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   "value": "<span class=\"S585 SB S2\" id=\"t5_12\">1.1. </span><span class=\"S586 SB S2\" id=\"t6_12\">General information </span><span class=\"S587 S5B9 S2\" id=\"t7_12\">OTP Bank Plc (the \u201cBank\u201d or \u201cOTP Bank\u201d) was established on 31 December 1990, when the previously State </span><span class=\"S588 SA7 S2\" id=\"t8_12\">- </span><span class=\"S589 S5B9 S2\" id=\"t9_12\">owned company was transformed into a limited liability company. The Bank\u2019s register </span><span class=\"S58A SA7 S2\" id=\"ta_12\">ed office address is 16, </span><span class=\"S58B SA7 S2\" id=\"tb_12\">Nador Street, Budapest 1051, Hungary. </span><span class=\"S58C SA7 S2\" id=\"tc_12\">Due to Hungarian legislation audit services are a statutory requirement for OTP Bank. Disclosure information </span><span class=\"S58D S5B9 S2\" id=\"td_12\">about the auditor: Ernst &amp; Young Audit Ltd. (001165), 1132 Budapest V\u00e1ci Street 20. </span><span class=\"S58E SA7 S2\" id=\"te_12\">Registered under 01-09- </span><span class=\"S58F SA7 S2\" id=\"tf_12\">267553 by Budapest-Capital Regional Court, as registry court. Statutory registered auditor: Zsuzsanna </span><span class=\"S590 S5B9 S2\" id=\"tg_12\">Nagyv\u00e1radin\u00e9 Sz\u00e9pfalvi, registration number: 005313. </span><span class=\"S591 SA7 S2\" id=\"th_12\">These Consolidated Financial Statements were approved by the Board of Directors and authorised for issue on 31 </span><span class=\"S592 S5B9 S2\" id=\"ti_12\">March 2023. The Bank\u2019s owners have the power to amend the Consolidated Financial Statements after issue if </span><span class=\"S593 SA7 S2\" id=\"tj_12\">applicable. </span><span class=\"S594 S5B9 S2\" id=\"tk_12\">The Bank\u2019s owners have th</span><span class=\"S595 SA7 S2\" id=\"tl_12\">e power to amend the Consolidated Financial Statements after issue if applicable. </span><span class=\"S596 SA7 S2\" id=\"tm_12\">In 1995, the shares of the Bank were introduced on the Budapest and the Luxembourg Stock Exchanges and were </span><span class=\"S597 SA7 S2\" id=\"tn_12\">also traded on the SEAQ board on the London Stock Exchange and on PORTAL in the USA. </span><span class=\"S598 SA7 S2\" id=\"to_12\">The structure of the Share capital by shareholders (%): </span><span class=\"S599 SB S2\" id=\"tp_12\">2022 </span><span class=\"S59A SB S2\" id=\"tq_12\">2021 </span><span class=\"S59B SA7 S2\" id=\"tr_12\">Domestic and foreign private and </span><span class=\"S59C SA7 S2\" id=\"ts_12\">institutional investors </span><span class=\"S59D SA7 S2\" id=\"tt_12\">99% </span><span class=\"S59E SA7 S2\" id=\"tu_12\">98% </span><span class=\"S59F SA7 S2\" id=\"tv_12\">Employees </span><span class=\"S5A0 SA7 S2\" id=\"tw_12\">1% </span><span class=\"S5A1 SA7 S2\" id=\"tx_12\">1% </span><span class=\"S5A2 SA7 S2\" id=\"ty_12\">Treasury shares </span><span class=\"S5A3 SA7 S2\" id=\"tz_12\">- </span><span class=\"S5A4 SA7 S2\" id=\"t10_12\">1% </span><span class=\"S5A5 SB S2\" id=\"t11_12\">Total </span><span class=\"S5A6 SB S2\" id=\"t12_12\">100% </span><span class=\"S5A7 SB S2\" id=\"t13_12\">100% </span><span class=\"S5A8 S5B9 S2\" id=\"t14_12\">The Bank\u2019s Registered Capital </span><span class=\"S5A9 SA7 S2\" id=\"t15_12\">consists of 280.000.010 pieces of ordinary shares with the nominal value of HUF </span><span class=\"S5AA SA7 S2\" id=\"t16_12\">100 each, representing the same rights to the shareholders. </span><span class=\"S5AB S5B9 S2\" id=\"t17_12\">The Bank and its subsidiaries (\u201cEntities of the Group\u201c, together the \u201cGroup\u201d or \u201cOTP Group\u201d) provide a full range </span><span class=\"S5AC SA7 S2\" id=\"t18_12\">of commercial banking services through a wide network of 1,392 branches in the following countries Hungary, </span><span class=\"S5AD SA7 S2\" id=\"t19_12\">Bulgaria, Serbia, Croatia, Russia, Romania, Ukraine, Albania, Montenegro, Moldova and Slovenia, as well as </span><span class=\"S5AE SA7 S2\" id=\"t1a_12\">provides other services in the Netherlands and Malta. </span><span class=\"S5AF SA7 S2\" id=\"t1b_12\">The number of the active employees without long-term breaks, and with part-time employees taken into account </span><span class=\"S5B0 SA7 S2\" id=\"t1c_12\">proportionately, and the average number of active employees on monthly basis at the Group: </span><span class=\"S5B1 SB S2\" id=\"t1d_12\">2022 </span><span class=\"S5B2 SB S2\" id=\"t1e_12\">2021 </span><span class=\"S5B3 SA7 S2\" id=\"t1f_12\">The number of employees at the Group </span><span class=\"S5B4 SA7 S2\" id=\"t1g_12\">35,976 </span><span class=\"S5B5 SA7 S2\" id=\"t1h_12\">37,866 </span><span class=\"S5B6 SA7 S2\" id=\"t1i_12\">The average number of employees at the Group </span><span class=\"S5B7 SA7 S2\" id=\"t1j_12\">36,168 </span><span class=\"S5B8 SA7 S2\" id=\"t1k_12\">37,890 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2273": {
   "value": "<span class=\"S585 SB S2\" id=\"t5_12\">1.1. </span><span class=\"S586 SB S2\" id=\"t6_12\">General information </span><span class=\"S587 S5B9 S2\" id=\"t7_12\">OTP Bank Plc (the \u201cBank\u201d or \u201cOTP Bank\u201d) was established on 31 December 1990, when the previously State </span><span class=\"S588 SA7 S2\" id=\"t8_12\">- </span><span class=\"S589 S5B9 S2\" id=\"t9_12\">owned company was transformed into a limited liability company. The Bank\u2019s register </span><span class=\"S58A SA7 S2\" id=\"ta_12\">ed office address is 16, </span><span class=\"S58B SA7 S2\" id=\"tb_12\">Nador Street, Budapest 1051, Hungary. </span><span class=\"S58C SA7 S2\" id=\"tc_12\">Due to Hungarian legislation audit services are a statutory requirement for OTP Bank. Disclosure information </span><span class=\"S58D S5B9 S2\" id=\"td_12\">about the auditor: Ernst &amp; Young Audit Ltd. (001165), 1132 Budapest V\u00e1ci Street 20. </span><span class=\"S58E SA7 S2\" id=\"te_12\">Registered under 01-09- </span><span class=\"S58F SA7 S2\" id=\"tf_12\">267553 by Budapest-Capital Regional Court, as registry court. Statutory registered auditor: Zsuzsanna </span><span class=\"S590 S5B9 S2\" id=\"tg_12\">Nagyv\u00e1radin\u00e9 Sz\u00e9pfalvi, registration number: 005313. </span><span class=\"S591 SA7 S2\" id=\"th_12\">These Consolidated Financial Statements were approved by the Board of Directors and authorised for issue on 31 </span><span class=\"S592 S5B9 S2\" id=\"ti_12\">March 2023. The Bank\u2019s owners have the power to amend the Consolidated Financial Statements after issue if </span><span class=\"S593 SA7 S2\" id=\"tj_12\">applicable. </span><span class=\"S594 S5B9 S2\" id=\"tk_12\">The Bank\u2019s owners have th</span><span class=\"S595 SA7 S2\" id=\"tl_12\">e power to amend the Consolidated Financial Statements after issue if applicable. </span><span class=\"S596 SA7 S2\" id=\"tm_12\">In 1995, the shares of the Bank were introduced on the Budapest and the Luxembourg Stock Exchanges and were </span><span class=\"S597 SA7 S2\" id=\"tn_12\">also traded on the SEAQ board on the London Stock Exchange and on PORTAL in the USA. </span><span class=\"S598 SA7 S2\" id=\"to_12\">The structure of the Share capital by shareholders (%): </span><span class=\"S599 SB S2\" id=\"tp_12\">2022 </span><span class=\"S59A SB S2\" id=\"tq_12\">2021 </span><span class=\"S59B SA7 S2\" id=\"tr_12\">Domestic and foreign private and </span><span class=\"S59C SA7 S2\" id=\"ts_12\">institutional investors </span><span class=\"S59D SA7 S2\" id=\"tt_12\">99% </span><span class=\"S59E SA7 S2\" id=\"tu_12\">98% </span><span class=\"S59F SA7 S2\" id=\"tv_12\">Employees </span><span class=\"S5A0 SA7 S2\" id=\"tw_12\">1% </span><span class=\"S5A1 SA7 S2\" id=\"tx_12\">1% </span><span class=\"S5A2 SA7 S2\" id=\"ty_12\">Treasury shares </span><span class=\"S5A3 SA7 S2\" id=\"tz_12\">- </span><span class=\"S5A4 SA7 S2\" id=\"t10_12\">1% </span><span class=\"S5A5 SB S2\" id=\"t11_12\">Total </span><span class=\"S5A6 SB S2\" id=\"t12_12\">100% </span><span class=\"S5A7 SB S2\" id=\"t13_12\">100% </span><span class=\"S5A8 S5B9 S2\" id=\"t14_12\">The Bank\u2019s Registered Capital </span><span class=\"S5A9 SA7 S2\" id=\"t15_12\">consists of 280.000.010 pieces of ordinary shares with the nominal value of HUF </span><span class=\"S5AA SA7 S2\" id=\"t16_12\">100 each, representing the same rights to the shareholders. </span><span class=\"S5AB S5B9 S2\" id=\"t17_12\">The Bank and its subsidiaries (\u201cEntities of the Group\u201c, together the \u201cGroup\u201d or \u201cOTP Group\u201d) provide a full range </span><span class=\"S5AC SA7 S2\" id=\"t18_12\">of commercial banking services through a wide network of 1,392 branches in the following countries Hungary, </span><span class=\"S5AD SA7 S2\" id=\"t19_12\">Bulgaria, Serbia, Croatia, Russia, Romania, Ukraine, Albania, Montenegro, Moldova and Slovenia, as well as </span><span class=\"S5AE SA7 S2\" id=\"t1a_12\">provides other services in the Netherlands and Malta. </span><span class=\"S5AF SA7 S2\" id=\"t1b_12\">The number of the active employees without long-term breaks, and with part-time employees taken into account </span><span class=\"S5B0 SA7 S2\" id=\"t1c_12\">proportionately, and the average number of active employees on monthly basis at the Group: </span><span class=\"S5B1 SB S2\" id=\"t1d_12\">2022 </span><span class=\"S5B2 SB S2\" id=\"t1e_12\">2021 </span><span class=\"S5B3 SA7 S2\" id=\"t1f_12\">The number of employees at the Group </span><span class=\"S5B4 SA7 S2\" id=\"t1g_12\">35,976 </span><span class=\"S5B5 SA7 S2\" id=\"t1h_12\">37,866 </span><span class=\"S5B6 SA7 S2\" id=\"t1i_12\">The average number of employees at the Group </span><span class=\"S5B7 SA7 S2\" id=\"t1j_12\">36,168 </span><span class=\"S5B8 SA7 S2\" id=\"t1k_12\">37,890 </span><span class=\"S5BC SB S2\" id=\"t6_13\">1.2. </span><span class=\"S5BD SB S2\" id=\"t7_13\">Basis of Accounting </span><span class=\"S5BE SA7 S2\" id=\"t8_13\">These Consolidated Financial Statements were prepared based on the assumptions of the Management that the </span><span class=\"S5BF SA7 S2\" id=\"t9_13\">Bank will remain in business for the foreseeable future and that the Bank will not be forced to halt operations and </span><span class=\"S5C0 SA7 S2\" id=\"ta_13\">liquidate its assets in the near term at what may be very low fire-sale prices. </span><span class=\"S5C1 SA7 S2\" id=\"tb_13\">The Entities of the Group maintain their accounting records and prepare their statutory accounts in accordance </span><span class=\"S5C2 SA7 S2\" id=\"tc_13\">with the commercial, banking and fiscal regulations prevailing in Hungary and in case of foreign subsidiaries in </span><span class=\"S5C3 SA7 S2\" id=\"td_13\">accordance with the commercial, banking and fiscal regulations of the country in which they are domiciled. </span><span class=\"S5C4 S5B9 S2\" id=\"te_13\">The Bank\u2019s functional currency is the Hungarian Forint (\u201cHUF\u201d). It is also presentation currency for the Group. </span><span class=\"S5C5 SA7 S2\" id=\"tf_13\">The financial statements of the subsidiaries used during the preparation of Consolidated Financial Statements of </span><span class=\"S5C6 SA7 S2\" id=\"tg_13\">the Group have the same reporting period </span><span class=\"S5C7 S5B9 S2\" id=\"th_13\">\u2013 </span><span class=\"S5C8 SA7 S2\" id=\"ti_13\">starting from 1 January ending as at 31 December </span><span class=\"S5C9 S5B9 S2\" id=\"tj_13\">\u2013 </span><span class=\"S5CA SA7 S2\" id=\"tk_13\">like the reporting </span><span class=\"S5CB SA7 S2\" id=\"tl_13\">period of the Group. </span><span class=\"S5CC SA7 S2\" id=\"tm_13\">Due to the fact that the Bank is listed on international and national stock exchanges, the Bank is obliged to present </span><span class=\"S5CD S5B9 S2\" id=\"tn_13\">its financial statements in accordance with International Financial Reporting Standards (\u201cIFRS\u201d) as adopted by </span><span class=\"S5CE S5B9 S2\" id=\"to_13\">the European Union (the \u201cEU\u201d). </span><span class=\"S5CF SA7 S2\" id=\"tp_13\">Certain adjustm</span><span class=\"S5D0 S5B9 S2\" id=\"tq_13\">ents have been made to the Entities\u2019 statutory accounts in order to present the Consolidated </span><span class=\"S5D1 SA7 S2\" id=\"tr_13\">Financial Statements of the Group in accordance with all standards and interpretations approved by the </span><span class=\"S5D2 S5B9 S2\" id=\"ts_13\">International Accounting Standards Board (\u201cIASB\u201d). </span><span class=\"S5D3 SA7 S2\" id=\"tt_13\">These Consolidated Financial Statements have been prepared in accordance with IFRS as adopted by the EU. </span><span class=\"S5D4 SA7 S2\" id=\"tu_13\">The accompanying Notes to these Consolidated Financial Statements form an integral part of these Consolidated </span><span class=\"S5D5 SA7 S2\" id=\"tv_13\">Financial Statements prepared in accordance with International Financial Reporting Standards as adopted by EU. </span><span class=\"S5D6 SB S2\" id=\"tw_13\">1.2.1. The effect of adopting new and revised International Financial Reporting Standards effective from </span><span class=\"S5D7 SB S2\" id=\"tx_13\">1 January 2022 </span><span class=\"S5D8 SA7 S2\" id=\"ty_13\">The following amendments to the existing standards and new interpretation issued by the International Accounting </span><span class=\"S5D9 SA7 S2\" id=\"tz_13\">Standards Board (IASB) and adopted by the EU are effective for the current reporting period: </span><span class=\"S5DA S602 S2\" id=\"t10_13\">\u2022 </span><span class=\"S5DB S603 S2\" id=\"t11_13\">Amendments to IFRS 1 \u201cFirst</span><span class=\"S5DC SB S2\" id=\"t12_13\">-</span><span class=\"S5DD S603 S2\" id=\"t13_13\">time Adoption of International Financial Reporting Standards\u201d, IFRS </span><span class=\"S5DE S603 S2\" id=\"t14_13\">9 \u201cFinancial </span><span class=\"S5DF S603 S2\" id=\"t15_13\">Instruments\u201d, IAS 41 \u201cAgriculture\u201d\u2013 </span><span class=\"S5E0 S603 S2\" id=\"t16_13\">\u201cAnnual Improvements to IFRSs 2018</span><span class=\"S5E1 SB S2\" id=\"t17_13\">-2020 </span><span class=\"S5E2 S603 S2\" id=\"t18_13\">Cycle\u201d </span><span class=\"S5E3 SA7 S2\" id=\"t19_13\">- adopted by EU on 28 June 2021 (effective for annual periods beginning on or after 1 January </span><span class=\"S5E4 SA7 S2\" id=\"t1a_13\">2022): </span><span class=\"S5E5 SA7 S2\" id=\"t1b_13\">o </span><span class=\"S5E6 SB S2\" id=\"t1c_13\">IFRS 1 First-time Adoption of International Financial Reporting Standards </span><span class=\"S5E7 S603 S2\" id=\"t1d_13\">\u2013 </span><span class=\"S5E8 SB S2\" id=\"t1e_13\">Subsidiary as a first- </span><span class=\"S5E9 SB S2\" id=\"t1f_13\">time adopter: </span><span class=\"S5EA SA7 S2\" id=\"t1g_13\">The amendment permits a subsidiary that elects to apply paragraph D16(a) of IFRS 1 to </span><span class=\"S5EB S5B9 S2\" id=\"t1h_13\">measure cumulative translation differences using the amounts reported in the parent\u2019s consolidated </span><span class=\"S5EC SA7 S2\" id=\"t1i_13\">financial sta</span><span class=\"S5ED S5B9 S2\" id=\"t1j_13\">tements, based on the parent\u2019s date of transition to IFRS, if no adjustments were made for </span><span class=\"S5EE SA7 S2\" id=\"t1k_13\">consolidation procedures and for the effects of the business combination in which the parent acquired </span><span class=\"S5EF SA7 S2\" id=\"t1l_13\">the subsidiary. This amendment is also applied to an associate or joint venture that elects to apply </span><span class=\"S5F0 SA7 S2\" id=\"t1m_13\">paragraph D16(a) of IFRS 1. These amendments had no impact on the consolidated financial statements </span><span class=\"S5F1 SA7 S2\" id=\"t1n_13\">of the Group as it is not a first-time adopter. </span><span class=\"S5F2 SA7 S2\" id=\"t1o_13\">o </span><span class=\"S5F3 SB S2\" id=\"t1p_13\">IFRS 9 Financial Instruments </span><span class=\"S5F4 S603 S2\" id=\"t1q_13\">\u2013 </span><span class=\"S5F5 S603 S2\" id=\"t1r_13\">Fees in the \u201910 per cent\u2019 test for </span><span class=\"S5F6 SB S2\" id=\"t1s_13\">derecognition of financial </span><span class=\"S5F7 SB S2\" id=\"t1t_13\">liabilities: </span><span class=\"S5F8 SA7 S2\" id=\"t1u_13\">The amendment clarifies the fees that an entity includes when assessing whether the terms </span><span class=\"S5F9 SA7 S2\" id=\"t1v_13\">of a new or modified financial liability are substantially different from the terms of the original financial </span><span class=\"S5FA SA7 S2\" id=\"t1w_13\">liability. These fees include only those paid or received between the borrower and the lender, including </span><span class=\"S5FB S5B9 S2\" id=\"t1x_13\">fees paid or received by either the borrower or lender on the other\u2019s behalf. There is no similar </span><span class=\"S5FC SA7 S2\" id=\"t1y_13\">amendment proposed for IAS 39 Financial Instruments: Recognition and Measurement. In accordance </span><span class=\"S5FD SA7 S2\" id=\"t1z_13\">with the transitional provisions, the Group applies the amendment to financial liabilities that are </span><span class=\"S5FE SA7 S2\" id=\"t20_13\">modified or exchanged on or after the beginning of the annual reporting period in which the entity first </span><span class=\"S5FF SA7 S2\" id=\"t21_13\">applies the amendment (the date of initial application). These amendments had no impact on the </span><span class=\"S600 SA7 S2\" id=\"t22_13\">consolidated financial statements of the Group as there were no fees charged or incurred related to </span><span class=\"S601 SA7 S2\" id=\"t23_13\">modifications during the period. </span><span class=\"S5BC SB S2\" id=\"t6_14\">1.2. </span><span class=\"S605 SB S2\" id=\"t7_14\">Basis of Accounting [continued] </span><span class=\"S606 SB S2\" id=\"t8_14\">1.2.1. The effect of adopting new and revised International Financial Reporting Standards effective from </span><span class=\"S607 SB S2\" id=\"t9_14\">1 January 2022 [continued] </span><span class=\"S608 S64A S2\" id=\"ta_14\">o </span><span class=\"S609 SB S2\" id=\"tb_14\">IAS 41 Agriculture </span><span class=\"S60A S603 S2\" id=\"tc_14\">\u2013 </span><span class=\"S60B SB S2\" id=\"td_14\">Taxation in fair value measurements: </span><span class=\"S60C SA7 S2\" id=\"te_14\">The amendment removes the requirement </span><span class=\"S60D SA7 S2\" id=\"tf_14\">in paragraph 22 of IAS 41 that entities exclude cash flows for taxation when measuring the fair value of </span><span class=\"S60E SA7 S2\" id=\"tg_14\">assets within the scope of IAS 41. These amendments had limited impact on the consolidated financial </span><span class=\"S60F SA7 S2\" id=\"th_14\">statements of the Group as it has limited assets in scope of IAS 41 as at the reporting date. </span><span class=\"S610 S602 S2\" id=\"ti_14\">\u2022 </span><span class=\"S611 S603 S2\" id=\"tj_14\">Amendments to IFRS 3 \u201cBusiness Combinations\u201d; IAS 16 \u201cProperty, Plant and Equipment\u201d; IAS 37 </span><span class=\"S612 S603 S2\" id=\"tk_14\">\u201cProvisions, Contingent Liabilities and Contingent Assets</span><span class=\"S613 S5B9 S2\" id=\"tl_14\">\u201d </span><span class=\"S614 SA7 S2\" id=\"tm_14\">- adopted by the EU on 28 June 2021 Annual </span><span class=\"S615 SA7 S2\" id=\"tn_14\">Improvements (effective for annual periods beginning on or after 1 January 2022): </span><span class=\"S616 SA7 S2\" id=\"to_14\">o </span><span class=\"S617 SB S2\" id=\"tp_14\">IFRS 3 Business Combinations (Amendments) </span><span class=\"S618 SA7 S2\" id=\"tq_14\">update a reference in IFRS 3 to the previous version of </span><span class=\"S619 S5B9 S2\" id=\"tr_14\">the IASB\u2019s Conceptual Framework for Financial Reporting to the current version issued in 2018 without </span><span class=\"S61A SA7 S2\" id=\"ts_14\">significantly changing the accounting requirements for business combinations. </span><span class=\"S61B SA7 S2\" id=\"tt_14\">o </span><span class=\"S61C SB S2\" id=\"tu_14\">IAS 16 Property, Plant and Equipment (Amendments) </span><span class=\"S61D SA7 S2\" id=\"tv_14\">prohibit a company from deducting from the </span><span class=\"S61E SA7 S2\" id=\"tw_14\">cost of property, plant and equipment any proceeds from the sale of items produced while bringing the </span><span class=\"S61F SA7 S2\" id=\"tx_14\">asset to the location and condition necessary for it be capable of operating in the manner intended by </span><span class=\"S620 SA7 S2\" id=\"ty_14\">management. Instead, a company recognizes such sales proceeds and related cost in profit or loss. </span><span class=\"S621 SA7 S2\" id=\"tz_14\">o </span><span class=\"S622 SB S2\" id=\"t10_14\">IAS 37 Provisions, Contingent Liabilities and Contingent Assets (Amendments) </span><span class=\"S623 SA7 S2\" id=\"t11_14\">specify which costs </span><span class=\"S624 SA7 S2\" id=\"t12_14\">a company includes in determining the cost of fulfilling a contract for the purpose of assessing whether a </span><span class=\"S625 SA7 S2\" id=\"t13_14\">contract is onerous. The amendments clarify, the costs that relate directly to a contract to provide goods </span><span class=\"S626 SA7 S2\" id=\"t14_14\">or services include both incremental costs and an allocation of costs directly related to the contract </span><span class=\"S627 SA7 S2\" id=\"t15_14\">activities. </span><span class=\"S628 S5B9 S2\" id=\"t16_14\">The adoption of these amendments to the existing standards has not led to any material changes in the Group\u2019s </span><span class=\"S629 SA7 S2\" id=\"t17_14\">Consolidated Financial Statements. </span><span class=\"S62A SB S2\" id=\"t18_14\">1.2.2. New and revised Standards and Interpretations issued by IASB and adopted by the EU but not yet </span><span class=\"S62B SB S2\" id=\"t19_14\">effective </span><span class=\"S62C SA7 S2\" id=\"t1a_14\">At the date of authorization of these financial statements there are new standards, amendments to the existing </span><span class=\"S62D SA7 S2\" id=\"t1b_14\">standards or interpretations which are issued by IASB and adopted by the EU which are not yet effective: </span><span class=\"S62E S602 S2\" id=\"t1c_14\">\u2022 </span><span class=\"S62F S603 S2\" id=\"t1d_14\">Amendments to IAS 1 \u201cPresentation of Financial Statements\u201d </span><span class=\"S630 SB S2\" id=\"t1e_14\">and IFRS Practice Statement 2 </span><span class=\"S631 S5B9 S2\" id=\"t1f_14\">\u2013 </span><span class=\"S632 SB S2\" id=\"t1g_14\">Disclosure of Accounting policies </span><span class=\"S633 S5B9 S2\" id=\"t1h_14\">\u2013 </span><span class=\"S634 SA7 S2\" id=\"t1i_14\">adopted by the EU on 2 March 2022 (effective for annual periods </span><span class=\"S635 SA7 S2\" id=\"t1j_14\">beginning on or after 1 January 2023; earlier application permitted): </span><span class=\"S636 S64A S2\" id=\"t1k_14\">o </span><span class=\"S637 SA7 S2\" id=\"t1l_14\">The amendments provide guidance on the application of materiality judgements to accounting policy </span><span class=\"S638 SA7 S2\" id=\"t1m_14\">disclosures. In particular, the amendments to IAS 1 repla </span><span class=\"S639 S5B9 S2\" id=\"t1n_14\">ce the requirement to disclose \u2018significant\u2019 </span><span class=\"S63A S5B9 S2\" id=\"t1o_14\">accounting policies with a requirement to disclose \u2018material\u2019 accounting policies. Also, guidance and </span><span class=\"S63B SA7 S2\" id=\"t1p_14\">illustrative examples are added in the Practice Statement to assist in the application of the materiality </span><span class=\"S63C SA7 S2\" id=\"t1q_14\">concept when making judgements about accounting policy disclosures. </span><span class=\"S63D S602 S2\" id=\"t1r_14\">\u2022 </span><span class=\"S63E S603 S2\" id=\"t1s_14\">Amendments to IAS 8 \u201cAccounting policies, Changes in Accounting Estimates and Errors\u201d </span><span class=\"S63F S5B9 S2\" id=\"t1t_14\">\u2013 </span><span class=\"S640 SB S2\" id=\"t1u_14\">Definition of Accounting Estimates </span><span class=\"S641 S5B9 S2\" id=\"t1v_14\">\u2013 </span><span class=\"S642 SA7 S2\" id=\"t1w_14\">adopted in the EU on 2 March 2022 (effective for annual periods </span><span class=\"S643 SA7 S2\" id=\"t1x_14\">beginning on or after 1 January 2023 with earlier application permitted and apply to changes in accounting </span><span class=\"S644 SA7 S2\" id=\"t1y_14\">policies and changes in accounting estimates that occur on or after the start of that period): </span><span class=\"S645 S64A S2\" id=\"t1z_14\">o </span><span class=\"S646 SA7 S2\" id=\"t20_14\">The amendments introduce a new definition of accounting estimates, defined as monetary amounts in </span><span class=\"S647 SA7 S2\" id=\"t21_14\">financial statements that are subject to measurement uncertainty, if they do not result from a correction </span><span class=\"S648 SA7 S2\" id=\"t22_14\">of prior period error. Also, the amendments clarify what changes in accounting estimates are and how </span><span class=\"S649 SA7 S2\" id=\"t23_14\">these differ from changes in accounting policies and corrections of errors. </span><span class=\"S5BC SB S2\" id=\"t6_15\">1.2. </span><span class=\"S605 SB S2\" id=\"t7_15\">Basis of Accounting [continued] </span><span class=\"S64B SB S2\" id=\"t8_15\">1.2.2. New and revised Standards and Interpretations issued by IASB and adopted by the EU but not yet </span><span class=\"S64C SB S2\" id=\"t9_15\">effective [continued] </span><span class=\"S64D S602 S2\" id=\"ta_15\">\u2022 </span><span class=\"S64E S603 S2\" id=\"tb_15\">Amendments to IFRS 17 \u201cInsurance Contracts\u201d </span><span class=\"S64F S603 S2\" id=\"tc_15\">\u2013 </span><span class=\"S650 SA7 S2\" id=\"td_15\">adopted by the EU on 19 November 2021 (effective </span><span class=\"S651 SA7 S2\" id=\"te_15\">for annual periods beginning on or after 1 January 2023). </span><span class=\"S652 S602 S2\" id=\"tf_15\">\u2022 </span><span class=\"S653 S603 S2\" id=\"tg_15\">Amendments to IFRS 17 \u201cInsurance Contracts\u201d </span><span class=\"S654 S603 S2\" id=\"th_15\">\u2013 </span><span class=\"S655 SB S2\" id=\"ti_15\">Initial application of IFRS 17 and IFRS 9 </span><span class=\"S656 S603 S2\" id=\"tj_15\">\u2013 </span><span class=\"S657 SB S2\" id=\"tk_15\">Comparative Information </span><span class=\"S658 S5B9 S2\" id=\"tl_15\">\u2013 </span><span class=\"S659 SA7 S2\" id=\"tm_15\">adopted by the EU on 8 September 2022 (effective date for annual periods </span><span class=\"S65A SA7 S2\" id=\"tn_15\">beginning on or after 1 January 2023 with earlier application permitted, provided the entity also applies </span><span class=\"S65B SA7 S2\" id=\"to_15\">IFRS 9 Financial Instruments on or before the date it first applies IFRS 17). </span><span class=\"S65C S602 S2\" id=\"tp_15\">\u2022 </span><span class=\"S65D S603 S2\" id=\"tq_15\">Amendments to IAS 12 \u201cIncome Taxes\u201d </span><span class=\"S65E S603 S2\" id=\"tr_15\">\u2013 </span><span class=\"S65F SB S2\" id=\"ts_15\">Deferred Tax related to Assets and Liabilities arising from </span><span class=\"S660 SB S2\" id=\"tt_15\">a Single Transaction </span><span class=\"S661 S5B9 S2\" id=\"tu_15\">\u2013 </span><span class=\"S662 SA7 S2\" id=\"tv_15\">adopted by the EU on 11 August 2022 (effective for annual periods beginning on </span><span class=\"S663 SA7 S2\" id=\"tw_15\">or after 1 January 2023; earlier application permitted): </span><span class=\"S664 SA7 S2\" id=\"tx_15\">o </span><span class=\"S665 SA7 S2\" id=\"ty_15\">The amendments narrow the scope of and provide further clarity on the initial recognition exception under </span><span class=\"S666 SA7 S2\" id=\"tz_15\">IAS 12 and specify how companies should account for deferred tax related to assets and liabilities arising </span><span class=\"S667 SA7 S2\" id=\"t10_15\">from a single transaction, such as leases and decommissioning obligations. The amendments clarify that </span><span class=\"S668 SA7 S2\" id=\"t11_15\">where payments that settle a liability are deductible for tax purposes, it is a matter of judgement, having </span><span class=\"S669 SA7 S2\" id=\"t12_15\">considered the applicable tax law, whether such deductions are attributable for tax purposes to the liability </span><span class=\"S66A SA7 S2\" id=\"t13_15\">or to the related asset component. Under the amendments, the initial recognition exception does not apply </span><span class=\"S66B SA7 S2\" id=\"t14_15\">to transactions that, on initial recognition, give rise to equal taxable and deductible temporary differences. </span><span class=\"S66C SA7 S2\" id=\"t15_15\">It only applies if the recognition of a lease asset and lease liability (or decommissioning liability and </span><span class=\"S66D SA7 S2\" id=\"t16_15\">decommissioning asset component) give rise to taxable and deductible temporary differences that are not </span><span class=\"S66E SA7 S2\" id=\"t17_15\">equal. </span><span class=\"S66F SA7 S2\" id=\"t18_15\">The Group does not adopt these new standards and amendments to existing standards before their effective date. </span><span class=\"S670 SA7 S2\" id=\"t19_15\">The Group anticipates that the adoption of these new standards, amendments to the existing standards and new </span><span class=\"S671 SA7 S2\" id=\"t1a_15\">interpretations will have no material impact on the Consolidated Financial Statements of the Group in the period </span><span class=\"S672 SA7 S2\" id=\"t1b_15\">of initial application. </span><span class=\"S673 SB S2\" id=\"t1c_15\">1.2.3. Standards and Interpretations issued by IASB, but not yet adopted by the EU </span><span class=\"S674 SA7 S2\" id=\"t1d_15\">At present, IFRS as adopted by the EU do not significantly differ from regulations adopted by the International </span><span class=\"S675 SA7 S2\" id=\"t1e_15\">Accounting Standards Board (IASB) except for the following new standards, amendments to the existing standards </span><span class=\"S676 SA7 S2\" id=\"t1f_15\">and new interpretation, which were not endorsed for use in EU as at the date of publication of these Consolidated </span><span class=\"S677 SA7 S2\" id=\"t1g_15\">Financial Statements: </span><span class=\"S678 S602 S2\" id=\"t1h_15\">\u2022 </span><span class=\"S679 S603 S2\" id=\"t1i_15\">Amendments to IAS 1 \u201cPresentation of Financial Statements\u201d </span><span class=\"S67A SB S2\" id=\"t1j_15\">- Classification of Liabilities as Current </span><span class=\"S67B SB S2\" id=\"t1k_15\">or Non-Current </span><span class=\"S67C SA7 S2\" id=\"t1l_15\">(effective for annual periods beginning on or after 1 January 2024; earlier application </span><span class=\"S67D SA7 S2\" id=\"t1m_15\">permitted): </span><span class=\"S67E S64A S2\" id=\"t1n_15\">o </span><span class=\"S67F SA7 S2\" id=\"t1o_15\">The objective of the amendments is to clarify the principles in IAS 1 for the classification of liabilities </span><span class=\"S680 SA7 S2\" id=\"t1p_15\">as either current or non-current. The amendments clarify the meaning of a right to defer settlement, the </span><span class=\"S681 SA7 S2\" id=\"t1q_15\">requirement for this right to exist at the end of the reporting period, that management intent does not </span><span class=\"S682 SA7 S2\" id=\"t1r_15\">affect current or non-current classification, that options by the counterparty that could result in </span><span class=\"S683 S5B9 S2\" id=\"t1s_15\">settlement by the transfer of the entity\u2019s own equity instruments do not affect current or non </span><span class=\"S684 SA7 S2\" id=\"t1t_15\">-current </span><span class=\"S685 SA7 S2\" id=\"t1u_15\">classification. Also, the amendments specify that only covenants with which an entity must comply on </span><span class=\"S686 SA7 S2\" id=\"t1v_15\">or b</span><span class=\"S687 S5B9 S2\" id=\"t1w_15\">efore the reporting date will affect a liability\u2019s classification. Additional disclosures are also required </span><span class=\"S688 SA7 S2\" id=\"t1x_15\">for non-current liabilities arising from loan arrangements that are subject to covenants to be complied </span><span class=\"S689 SA7 S2\" id=\"t1y_15\">with within twelve months after the reporting period. </span><span class=\"S5BC SB S2\" id=\"t6_16\">1.2. </span><span class=\"S605 SB S2\" id=\"t7_16\">Basis of Accounting [continued] </span><span class=\"S68A SB S2\" id=\"t8_16\">1.2.3. Standards and Interpretations issued by IASB, but not yet adopted by the EU [continued] </span><span class=\"S68B S602 S2\" id=\"t9_16\">\u2022 </span><span class=\"S68C S603 S2\" id=\"ta_16\">Amendments to IFRS 16 \u201cLeases\u201d \u2013 </span><span class=\"S68D SB S2\" id=\"tb_16\">Lease Liability in a Sale and Leaseback </span><span class=\"S68E S5B9 S2\" id=\"tc_16\">\u2013 </span><span class=\"S68F SA7 S2\" id=\"td_16\">issued by IASB on 22 </span><span class=\"S690 SA7 S2\" id=\"te_16\">September 2022 (effective for annual periods beginning on or after 1 January 2024; earlier application </span><span class=\"S691 SA7 S2\" id=\"tf_16\">permitted): </span><span class=\"S692 S64A S2\" id=\"tg_16\">o </span><span class=\"S693 SA7 S2\" id=\"th_16\">The amendments are intended to improve the requirements that a seller-lessee uses in measuring the </span><span class=\"S694 SA7 S2\" id=\"ti_16\">lease liability arising in a sale and leaseback transaction in IFRS 16, while it does not change the </span><span class=\"S695 SA7 S2\" id=\"tj_16\">accounting for leases unrelated to sale and leaseback transactions. In particular, the seller-lessee </span><span class=\"S696 S5B9 S2\" id=\"tk_16\">determines \u2018lease payments\u2019 or \u2018revised lease payments\u2019 in such a way that the seller </span><span class=\"S697 SA7 S2\" id=\"tl_16\">-lessee would not </span><span class=\"S698 SA7 S2\" id=\"tm_16\">recognize any amount of the gain or loss that relates to the right of use it retains. Applying these </span><span class=\"S699 SA7 S2\" id=\"tn_16\">requirements does not prevent the seller-lessee from recognizing, in profit or loss, any gain or loss </span><span class=\"S69A SA7 S2\" id=\"to_16\">relating to the partial or full termination of a lease. A seller-lessee applies the amendment retrospectively </span><span class=\"S69B SA7 S2\" id=\"tp_16\">in accordance with IAS 8 to sale and leaseback transactions entered into after the date of initial </span><span class=\"S69C SA7 S2\" id=\"tq_16\">application, being the beginning of the annual reporting period in which an entity first applied IFRS 16. </span><span class=\"S69D S602 S2\" id=\"tr_16\">\u2022 </span><span class=\"S69E S603 S2\" id=\"ts_16\">Amendments to IFRS 10 \u201cConsolidated Financial Statements\u201d </span><span class=\"S69F SB S2\" id=\"tt_16\">and </span><span class=\"S6A0 S603 S2\" id=\"tu_16\">IAS 28 \u201cInvestments in Associates </span><span class=\"S6A1 S603 S2\" id=\"tv_16\">and Joint Ventures\u201d \u2013 </span><span class=\"S6A2 SB S2\" id=\"tw_16\">Sale or Contribution of Assets between an Investor and its Associate or Joint </span><span class=\"S6A3 SB S2\" id=\"tx_16\">Venture and further amendments </span><span class=\"S6A4 SA7 S2\" id=\"ty_16\">(effective date deferred indefinitely until the research project on the </span><span class=\"S6A5 SA7 S2\" id=\"tz_16\">equity method has been concluded): </span><span class=\"S6A6 SA7 S2\" id=\"t10_16\">o </span><span class=\"S6A7 SA7 S2\" id=\"t11_16\">The amendments address an acknowledged inconsistency between the requirements in IFRS 10 and those </span><span class=\"S6A8 SA7 S2\" id=\"t12_16\">in IAS 28, in dealing with the sale or contribution of assets between an investor and its associate or joint </span><span class=\"S6A9 SA7 S2\" id=\"t13_16\">venture. The main consequence of the amendments is that a full gain or loss is recognized when a </span><span class=\"S6AA SA7 S2\" id=\"t14_16\">transaction involves a business (whether it is housed in a subsidiary or not). A partial gain or loss is </span><span class=\"S6AB SA7 S2\" id=\"t15_16\">recognized when a transaction involves assets that do not constitute a business, even if these assets are </span><span class=\"S6AC SA7 S2\" id=\"t16_16\">housed in a subsidiary. In December 2015 the IASB postponed the effective date of this amendment </span><span class=\"S6AD SA7 S2\" id=\"t17_16\">indefinitely pending the outcome of its research project on the equity method of accounting. </span><span class=\"S6AE SA7 S2\" id=\"t18_16\">The Group anticipates that the adoption of these new standards, amendments to the existing Standards and new </span><span class=\"S6AF SA7 S2\" id=\"t19_16\">interpretations will have no significant impact on the Consolidated Financial Statements of the Group in the period </span><span class=\"S6B0 SA7 S2\" id=\"t1a_16\">of initial application. </span><span class=\"S6B4 SB S2\" id=\"t7_17\">2.1. </span><span class=\"S6B5 SB S2\" id=\"t8_17\">Basis of Presentation </span><span class=\"S6B6 SA7 S2\" id=\"t9_17\">These Consolidated Financial Statements have been prepared under the historical cost convention with the </span><span class=\"S6B7 SA7 S2\" id=\"ta_17\">exception of certain financial instruments, which are recorded at fair value. Revenues and expenses are recorded </span><span class=\"S6B8 SA7 S2\" id=\"tb_17\">in the period in which they are earned or incurred. The Group does not offset assets and liabilities or income and </span><span class=\"S6B9 SA7 S2\" id=\"tc_17\">expenses unless it is required or permitted by an IFRS standard. </span><span class=\"S6BA SA7 S2\" id=\"td_17\">During the preparation of Consolidated Financial Statements assets and liabilities, income and expenses are </span><span class=\"S6BB SA7 S2\" id=\"te_17\">presented separately, except in certain cases, when one of the IFRS standards prescribes net presenting related to </span><span class=\"S6BC SA7 S2\" id=\"tf_17\">certain items (see note 2.8. below). </span><span class=\"S6BD SA7 S2\" id=\"tg_17\">The presentation of Consolidated Financial Statements in conformity with IFRS as adopted by the EU requires the </span><span class=\"S6BE SA7 S2\" id=\"th_17\">Management of the Group to make estimates and assumptions that affect the reported amounts of assets and </span><span class=\"S6BF SA7 S2\" id=\"ti_17\">liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and their </span><span class=\"S6C0 SA7 S2\" id=\"tj_17\">reported amounts of revenues and expenses during the reporting period. Actual results could differ from those </span><span class=\"S6C1 SA7 S2\" id=\"tk_17\">estimates. </span><span class=\"S6C2 SA7 S2\" id=\"tl_17\">Future changes in economic conditions, business strategies, regulatory requirements, accounting rules and other </span><span class=\"S6C3 SA7 S2\" id=\"tm_17\">factors could result in a change in estimates that could have a material impact on future financial statements. </span><span class=\"S6C4 SB S2\" id=\"tn_17\">2.2. </span><span class=\"S6C5 SB S2\" id=\"to_17\">Foreign currency translation </span><span class=\"S6C6 SA7 S2\" id=\"tp_17\">In preparing the financial statements of each individual group entity, transactions in currencies other than the </span><span class=\"S6C7 SA7 S2\" id=\"tq_17\">entity's functional currencies are translated into functional currencies at the rates of exchange prevailing at the </span><span class=\"S6C8 SA7 S2\" id=\"tr_17\">dates of the transactions. At the end of each reporting period, monetary items denominated in foreign currencies </span><span class=\"S6C9 SA7 S2\" id=\"ts_17\">are retranslated at the exchange rates q</span><span class=\"S6CA S5B9 S2\" id=\"tt_17\">uoted by the National Bank of Hungary (\u201cNBH\u201d), or if there is no official </span><span class=\"S6CB SA7 S2\" id=\"tu_17\">rate, at exchange rates quoted by OTP Bank as at the date of the Consolidated Financial Statements. </span><span class=\"S6CC SA7 S2\" id=\"tv_17\">Non-monetary items carried at fair value that are denominated in foreign currencies are retranslated at the rates </span><span class=\"S6CD SA7 S2\" id=\"tw_17\">prevailing at the date when the fair value was determined. Non-monetary items that are measured in terms of </span><span class=\"S6CE SA7 S2\" id=\"tx_17\">historical cost in a foreign currency are not retranslated. </span><span class=\"S6CF SA7 S2\" id=\"ty_17\">Exchange differences on monetary items are recognized in profit or loss in the period in which they arise except </span><span class=\"S6D0 SA7 S2\" id=\"tz_17\">for: </span><span class=\"S6D1 S6E3 S2\" id=\"t10_17\">- </span><span class=\"S6D2 SA7 S2\" id=\"t11_17\">exchange differences on foreign currency borrowings relating to assets under construction for future </span><span class=\"S6D3 SA7 S2\" id=\"t12_17\">productive use, which are included in the cost of those assets when they are regarded as an adjustment to </span><span class=\"S6D4 SA7 S2\" id=\"t13_17\">interest costs on those foreign currency borrowings; </span><span class=\"S6D5 S6E3 S2\" id=\"t14_17\">- </span><span class=\"S6D6 SA7 S2\" id=\"t15_17\">exchange differences on transactions entered into in order to hedge certain foreign currency risks (see note </span><span class=\"S6D7 SA7 S2\" id=\"t16_17\">2.7. below for hedging accounting policies); and </span><span class=\"S6D8 S6E3 S2\" id=\"t17_17\">- </span><span class=\"S6D9 SA7 S2\" id=\"t18_17\">exchange differences on monetary items receivable from or payable to a foreign operation for which </span><span class=\"S6DA SA7 S2\" id=\"t19_17\">settlement is neither planned nor likely to occur (therefore forming part of the net investment in the foreign </span><span class=\"S6DB SA7 S2\" id=\"t1a_17\">operation), which are recognized initially in Other Comprehensive Income and reclassified from equity to </span><span class=\"S6DC SA7 S2\" id=\"t1b_17\">profit or loss on repayment of the monetary items. </span><span class=\"S6DD SA7 S2\" id=\"t1c_17\">For the purposes of presenting Consolidated Financial Statements, the assets and liabilities of the Group's foreign </span><span class=\"S6DE SA7 S2\" id=\"t1d_17\">operations are translated into HUF using exchange rates prevailing at the end of each reporting period. Income and </span><span class=\"S6DF SA7 S2\" id=\"t1e_17\">expense items are translated at the average exchange rates for the period, unless exchange rates fluctuate </span><span class=\"S6E0 SA7 S2\" id=\"t1f_17\">significantly during that period, in which case the exchange rates at the dates of the transactions are used. Exchange </span><span class=\"S6E1 SA7 S2\" id=\"t1g_17\">differences arising, if any, are recognized in Other Comprehensive Income and accumulated in equity (attributed </span><span class=\"S6E2 SA7 S2\" id=\"t1h_17\">to non-controlling interests as appropriate). </span><span class=\"S585 SB S2\" id=\"t5_18\">2.2. </span><span class=\"S6E5 SB S2\" id=\"t6_18\">Foreign currency translation [continued] </span><span class=\"S6E6 SA7 S2\" id=\"t7_18\">On the disposal of a foreign operation (i.e. a disposal of the Group's entire interest in a foreign operation, or a </span><span class=\"S6E7 SA7 S2\" id=\"t8_18\">disposal involving loss of control over a subsidiary that includes a foreign operation, a disposal involving loss of </span><span class=\"S6E8 SA7 S2\" id=\"t9_18\">joint control over a jointly controlled entity that includes a foreign operation, or a disposal involving loss of </span><span class=\"S6E9 SA7 S2\" id=\"ta_18\">significant influence over an associate that includes a foreign operation), all of the exchange differences </span><span class=\"S6EA SA7 S2\" id=\"tb_18\">accumulated in equity in respect of that operation attributable to the owners of the Group are reclassified to profit </span><span class=\"S6EB SA7 S2\" id=\"tc_18\">or loss. </span><span class=\"S6EC SA7 S2\" id=\"td_18\">In addition, in relation to a partial disposal of a subsidiary that does not result in the Group losing control over the </span><span class=\"S6ED SA7 S2\" id=\"te_18\">subsidiary, the proportionate share of accumulated exchange differences are re-attributed to non-controlling </span><span class=\"S6EE SA7 S2\" id=\"tf_18\">interests and are not recognized in profit or loss. </span><span class=\"S6EF SA7 S2\" id=\"tg_18\">Goodwill and fair value adjustments on identifiable assets and liabilities acquired arising on the acquisition of a </span><span class=\"S6F0 SA7 S2\" id=\"th_18\">foreign operation are treated as assets and liabilities of the foreign operation and translated at the rate of exchange </span><span class=\"S6F1 SA7 S2\" id=\"ti_18\">prevailing at the end of each reporting period. Exchange differences arising are recognized in Other </span><span class=\"S6F2 SA7 S2\" id=\"tj_18\">Comprehensive Income and accumulated in equity. </span><span class=\"S6F3 SB S2\" id=\"tk_18\">2.3. </span><span class=\"S6F4 SB S2\" id=\"tl_18\">Principles of consolidation </span><span class=\"S6F5 SA7 S2\" id=\"tm_18\">As the ultimate parent, OTP Bank is preparing Consolidated Financial Statements of the Group. </span><span class=\"S6F6 SA7 S2\" id=\"tn_18\">These Consolidated Financial Statements combine the assets, liabilities, equity, income, expenses and cash flows </span><span class=\"S6F7 SA7 S2\" id=\"to_18\">of the Bank and of those subsidiaries of the Bank in which the Bank exercises control. </span><span class=\"S6F8 SA7 S2\" id=\"tp_18\">All intra-group transactions are consolidated fully on a line-by-line basis while under equity method other </span><span class=\"S6F9 SA7 S2\" id=\"tq_18\">consolidation rules are applied. Determination of the entities which are involved into the consolidation procedures </span><span class=\"S6FA S5B9 S2\" id=\"tr_18\">based on the determination of the Group\u2019s Control over </span><span class=\"S6FB SA7 S2\" id=\"ts_18\">another entity. Control exists when the Bank has power </span><span class=\"S6FC SA7 S2\" id=\"tt_18\">over the investee, is able to use this power and is exposed or has right to variable returns. Consolidation of a </span><span class=\"S6FD SA7 S2\" id=\"tu_18\">subsidiary should begin from the date when the Group obtains control and cease when the Group loses control. </span><span class=\"S6FE SA7 S2\" id=\"tv_18\">Therefore, income and expenses of a subsidiary should be included in the Consolidated Financial Statements from </span><span class=\"S6FF SA7 S2\" id=\"tw_18\">the date the Group gains control of the subsidiary until the date when the Group ceases to have control of the </span><span class=\"S700 SA7 S2\" id=\"tx_18\">subsidiary. </span><span class=\"S701 SA7 S2\" id=\"ty_18\">The list of the major fully consolidated subsidiaries, the percentage of issued capital owned by the Bank and the </span><span class=\"S702 SA7 S2\" id=\"tz_18\">description of their activities is provided in Note 43. </span><span class=\"S703 SB S2\" id=\"t10_18\">2.4. </span><span class=\"S704 SB S2\" id=\"t11_18\">Accounting for acquisitions </span><span class=\"S705 SA7 S2\" id=\"t12_18\">Business combinations are accounted for using the acquisition method. Any goodwill arising on acquisition is </span><span class=\"S706 SA7 S2\" id=\"t13_18\">recognized in the Consolidated Statement of Financial Position and accounted for as indicated below. </span><span class=\"S707 SA7 S2\" id=\"t14_18\">The acquisition date is the date on which the acquirer effectively obtains control over the acquiree. Before this </span><span class=\"S708 SA7 S2\" id=\"t15_18\">date, it should be presented as Advance for investments within Other assets. </span><span class=\"S709 SA7 S2\" id=\"t16_18\">Goodwill, which represents the residual cost of the acquisition after obtaining the control over the acquiree in the </span><span class=\"S70A SA7 S2\" id=\"t17_18\">fair value of the identifiable assets acquired and liabilities assumed is held as an intangible asset and recorded at </span><span class=\"S70B SA7 S2\" id=\"t18_18\">cost less any accumulated impairment losses in the Consolidated Financial Statements. The Group tests goodwill </span><span class=\"S70C SA7 S2\" id=\"t19_18\">for impairment by comparing its recoverable amount with its carrying amount, and recognising any excess of the </span><span class=\"S70D SA7 S2\" id=\"t1a_18\">carrying amount over the recoverable amount an impairment loss. The recoverable amount of goodwill is the </span><span class=\"S70E SA7 S2\" id=\"t1b_18\">higher of its fair value less costs of disposal and its value in use. </span><span class=\"S70F SA7 S2\" id=\"t1c_18\">If the Group loses control of a subsidiary, derecognizes the assets (including any goodwill) and liabilities of the </span><span class=\"S710 SA7 S2\" id=\"t1d_18\">subsidiary at their carrying amounts at the date when control is lost and recognizes any difference as a gain or loss </span><span class=\"S711 SA7 S2\" id=\"t1e_18\">on the sale attributable to the parent in the Consolidated Statement of Profit or Loss on Net income from </span><span class=\"S712 SA7 S2\" id=\"t1f_18\">discontinued operations. </span><span class=\"S713 SA7 S2\" id=\"t1g_18\">Goodwill acquired in a business combination is tested for impairment annually or more frequently if events or </span><span class=\"S714 SA7 S2\" id=\"t1h_18\">changes in circumstances indicate. The goodwill is allocated to the cash-generating units that are expected to </span><span class=\"S715 SA7 S2\" id=\"t1i_18\">benefit from the synergies of the combinations. </span><span class=\"S585 SB S2\" id=\"t5_19\">2.4. </span><span class=\"S716 SB S2\" id=\"t6_19\">Accounting for acquisition [continued] </span><span class=\"S717 SA7 S2\" id=\"t7_19\">The Group calculates the fair value of identified assets and liabilities assumed on discounted cash-flow model. </span><span class=\"S718 SA7 S2\" id=\"t8_19\">The 3 year period explicit cash-flow model serves as a basis for the impairment test by which the Group defines </span><span class=\"S719 SA7 S2\" id=\"t9_19\">the impairment need on goodwill based on the strategic factors and financial data of its cash-generating units. </span><span class=\"S71A SA7 S2\" id=\"ta_19\">The Group, in its strategic plan, has taken into consideration the effects of the present global economic situation, </span><span class=\"S71B SA7 S2\" id=\"tb_19\">the present economic growth and outlook, the associated risks and their possible effect on the financial sector as </span><span class=\"S71C SA7 S2\" id=\"tc_19\">well as the current and expected availability of wholesale funding. </span><span class=\"S71D SA7 S2\" id=\"td_19\">Negative goodwill (gain from bargain purchase), when the interest of the acquirer in the net fair value of the </span><span class=\"S71E SA7 S2\" id=\"te_19\">acquired identifiable net assets exceeds the cost of the business combination, is recognized immediately in the </span><span class=\"S71F S5B9 S2\" id=\"tf_19\">Consolidated Statement of Profit or Loss as \u201cOther income\u201d. </span><span class=\"S720 SB S2\" id=\"tg_19\">2.5. </span><span class=\"S721 SB S2\" id=\"th_19\">Securities at amortized cost </span><span class=\"S722 SA7 S2\" id=\"ti_19\">The Group measures at amortized cost those securities which are held for contractual cash collecting purposes, </span><span class=\"S723 SA7 S2\" id=\"tj_19\">and contractual terms of these securities give rise to cash flows that are solely payment of principal and interest </span><span class=\"S724 SA7 S2\" id=\"tk_19\">on the principal amount outstanding. The Group initially recognizes these securities at fair value. Securities at </span><span class=\"S725 S5B9 S2\" id=\"tl_19\">amortized cost are subsequently measured using the effective interest (\u201cEIR\u201d) method and are subject to </span><span class=\"S726 SA7 S2\" id=\"tm_19\">impairment. The amortisation of any discount or premium on the acquisition of a security at amortized cost is part </span><span class=\"S727 SA7 S2\" id=\"tn_19\">of the amortized cost and is recognized as interest income so that the revenue recognized in each period represents </span><span class=\"S728 SA7 S2\" id=\"to_19\">a constant yield on the investment. Securities at amortized cost are accounted for on a trade date basis. </span><span class=\"S729 SA7 S2\" id=\"tp_19\">Such securities comprise mainly securities issued by the Hungarian and foreign Governments, corporate bonds, </span><span class=\"S72A SA7 S2\" id=\"tq_19\">mortgage bonds and discounted treasury bills. </span><span class=\"S72B SB S2\" id=\"tr_19\">2.6. </span><span class=\"S72C SB S2\" id=\"ts_19\">Financial assets at fair value through profit or loss </span><span class=\"S72D SB S2\" id=\"tt_19\">2.6.1. </span><span class=\"S72E SB S2\" id=\"tu_19\">Securities held for trading </span><span class=\"S72F SA7 S2\" id=\"tv_19\">Investments in securities are accounted for on a trade date basis and are initially measured at fair value. Securities </span><span class=\"S730 SA7 S2\" id=\"tw_19\">held for trading are measured at subsequent reporting dates at fair value, so unrealized gains and losses on held for </span><span class=\"S731 SA7 S2\" id=\"tx_19\">trading securities are recognized in profit or loss and included in the Consolidated Statement of Profit or Loss for </span><span class=\"S732 SA7 S2\" id=\"ty_19\">the period. The Group holds held for trading securities within the business model to obtain short-term gains, </span><span class=\"S733 SA7 S2\" id=\"tz_19\">consequently realized and unrealized gains and losses are recognized in the net operating income, while interest </span><span class=\"S734 SA7 S2\" id=\"t10_19\">income is recognized in income similar to interest income. </span><span class=\"S735 SA7 S2\" id=\"t11_19\">Such securities consist of equity instruments, shares in investment funds, Hungarian and foreign government </span><span class=\"S736 SA7 S2\" id=\"t12_19\">bonds, corporate bonds, discounted treasury bills, mortgage bonds and other securities. </span><span class=\"S737 SB S2\" id=\"t13_19\">2.6.2. </span><span class=\"S738 SB S2\" id=\"t14_19\">Financial assets designated as fair value through profit or loss </span><span class=\"S739 SA7 S2\" id=\"t15_19\">The Group may - at initial recognition - irrevocable designate a financial asset as measured at fair value through </span><span class=\"S73A SA7 S2\" id=\"t16_19\">profit or loss that would otherwise be measured at fair value through other comprehensive income or at amortized </span><span class=\"S73B SA7 S2\" id=\"t17_19\">cost. </span><span class=\"S73C SA7 S2\" id=\"t18_19\">The Group uses fair value designation if the classification eliminates or significantly reduces a measurement or </span><span class=\"S73D SA7 S2\" id=\"t19_19\">recognition inconsistency that would otherwise arise from measuring assets or liabilities or recognising the gains </span><span class=\"S73E SA7 S2\" id=\"t1a_19\">and losses on them on different ba</span><span class=\"S73F S5B9 S2\" id=\"t1b_19\">ses (\u2018accounting mismatch\u2019). </span><span class=\"S740 SA7 S2\" id=\"t1c_19\">The use of the fair value designation is based only on direct decision of management of the Group. The Group </span><span class=\"S741 S5B9 S2\" id=\"t1d_19\">currently doesn\u2019t apply this method. </span><span class=\"S585 SB S2\" id=\"t5_20\">2.6. </span><span class=\"S742 SB S2\" id=\"t6_20\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S743 SB S2\" id=\"t7_20\">2.6.3. </span><span class=\"S744 SB S2\" id=\"t8_20\">Derivative financial instruments </span><span class=\"S745 SA7 S2\" id=\"t9_20\">In the normal course of business, the Group is a party to contracts for derivative financial instruments, which </span><span class=\"S746 SA7 S2\" id=\"ta_20\">represent a low initial investment compared to the notional value of the contract and their value depends on value </span><span class=\"S747 SA7 S2\" id=\"tb_20\">of underlying asset and are settled in the future. The derivative financial instruments used include interest rate </span><span class=\"S748 SA7 S2\" id=\"tc_20\">forward or swap agreements and currency forward or swap agreements and options. These financial instruments </span><span class=\"S749 SA7 S2\" id=\"td_20\">are used by the Group both for trading purposes and to hedge interest rate risk and currency exposures associated </span><span class=\"S74A SA7 S2\" id=\"te_20\">with its transactions in the financial markets (it is the so-called economic hedge, accounting hedge is described </span><span class=\"S74B SA7 S2\" id=\"tf_20\">later). </span><span class=\"S74C SA7 S2\" id=\"tg_20\">Derivative financial instruments are accounted for on a trade date basis and are initially measured at fair value and </span><span class=\"S74D SA7 S2\" id=\"th_20\">at subsequent reporting dates also at fair value. Fair values are obtained from quoted market prices, discounted </span><span class=\"S74E SA7 S2\" id=\"ti_20\">cash-flow models and option pricing models as appropriate. The Group adopts a multi curve valuation approach </span><span class=\"S74F SA7 S2\" id=\"tj_20\">for calculating the net present value of future cash-flows </span><span class=\"S750 S5B9 S2\" id=\"tk_20\">\u2013 </span><span class=\"S751 SA7 S2\" id=\"tl_20\">based on different curves used for determining forward </span><span class=\"S752 SA7 S2\" id=\"tm_20\">rates and used for discounting purposes. It shows the best estimation of such derivative deals that are collateralised </span><span class=\"S753 SA7 S2\" id=\"tn_20\">as the Group has almost all of its open derivative transactions collateralised. </span><span class=\"S754 SA7 S2\" id=\"to_20\">Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognized </span><span class=\"S755 SA7 S2\" id=\"tp_20\">in profit or loss and are included in the Consolidated Statement of Profit or Loss for the period. Each derivative </span><span class=\"S6C3 SA7 S2\" id=\"tq_20\">deal is determined as asset when fair value is positive and as liability when fair value is negative. </span><span class=\"S756 SA7 S2\" id=\"tr_20\">Certain derivative transactions, while providing effective economic hedges under the risk management policy of </span><span class=\"S757 SA7 S2\" id=\"ts_20\">the Group, do not qualify for hedge accounting under the specific rules of IFRS 9 and are therefore treated as </span><span class=\"S758 SA7 S2\" id=\"tt_20\">derivatives held for trading with fair value gains and losses charged directly to the Consolidated Statement of </span><span class=\"S759 SA7 S2\" id=\"tu_20\">Profit or Loss. </span><span class=\"S75A SC S2\" id=\"tv_20\">Foreign currency contracts </span><span class=\"S75B SA7 S2\" id=\"tw_20\">Foreign currency contracts are agreements to exchange specific amounts of currencies at a specified rate of </span><span class=\"S75C SA7 S2\" id=\"tx_20\">exchange, at a spot date (settlement occurs two days after the trade date) or at a forward date (settlement occurs </span><span class=\"S75D SA7 S2\" id=\"ty_20\">more than two days after the trade date). The notional amount of these forward contracts does not represent the </span><span class=\"S75E SA7 S2\" id=\"tz_20\">actual market or credit risk associated with these contracts. </span><span class=\"S75F SA7 S2\" id=\"t10_20\">Foreign currency contracts are used by the Group for risk management and trading purposes. The risk management </span><span class=\"S760 SA7 S2\" id=\"t11_20\">foreign currency contracts of the Group were used to hedge the exchange rate fluctuations of loans and deposits to </span><span class=\"S761 SA7 S2\" id=\"t12_20\">credit institutions denominated in foreign currency. </span><span class=\"S762 SC S2\" id=\"t13_20\">Foreign exchange swaps and interest rate swaps </span><span class=\"S763 S5B9 S2\" id=\"t14_20\">The Group enters into foreign exchange swap and interest rate swap (\u201cIRS\u201d) transactions. The swap transaction is </span><span class=\"S764 SA7 S2\" id=\"t15_20\">an agreement concerning the swap of certain financial instruments, which usually consists of spot and one or more </span><span class=\"S765 SA7 S2\" id=\"t16_20\">forward contracts. </span><span class=\"S766 SA7 S2\" id=\"t17_20\">IRS transactions oblige two parties to exchange one or more payments calculated with reference to fixed or </span><span class=\"S767 SA7 S2\" id=\"t18_20\">periodically reset rates of interest applied to a specific notional principal amount (the base of the interest </span><span class=\"S768 SA7 S2\" id=\"t19_20\">calculation). Notional principal is the amount upon which interest rates are applied to determine the payment </span><span class=\"S769 SA7 S2\" id=\"t1a_20\">streams under IRS transactions. Such notional principal amounts often are used to express the volume of these </span><span class=\"S76A SA7 S2\" id=\"t1b_20\">transactions but are not actually exchanged between the counterparties. </span><span class=\"S76B SA7 S2\" id=\"t1c_20\">IRS transactions are used by the Group for risk management and trading purposes. </span><span class=\"S76C SC S2\" id=\"t1d_20\">Cross-currency interest rate swaps </span><span class=\"S76D SA7 S2\" id=\"t1e_20\">The Group enters into cross-currency interest rate swap (CCIRS) transactions which have special attributes, i.e. </span><span class=\"S76E SA7 S2\" id=\"t1f_20\">the parties exchange the notional amount at the beginning and also at the maturity of the transaction. A special </span><span class=\"S76F SA7 S2\" id=\"t1g_20\">type of these deals is the mark-to-market CCIRS agreements. For these kind of transactions the parties </span><span class=\"S770 S5B9 S2\" id=\"t1h_20\">\u2013 </span><span class=\"S771 SA7 S2\" id=\"t1i_20\">in </span><span class=\"S772 SA7 S2\" id=\"t1j_20\">accordance with the foreign exchange prices </span><span class=\"S773 S5B9 S2\" id=\"t1k_20\">\u2013 </span><span class=\"S774 SA7 S2\" id=\"t1l_20\">revalue the notional amount during lifetime of the transaction. </span><span class=\"S585 SB S2\" id=\"t5_21\">2.6. </span><span class=\"S775 SB S2\" id=\"t6_21\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S776 SB S2\" id=\"t7_21\">2.6.3   Derivative financial instruments [continued] </span><span class=\"S777 SC S2\" id=\"t8_21\">Equity and commodity swaps </span><span class=\"S778 SA7 S2\" id=\"t9_21\">Equity swaps obligate two parties to exchange more payments calculated with reference to periodically reset rates </span><span class=\"S779 SA7 S2\" id=\"ta_21\">of interest and performance of indices. A specific notional principal amount is the base of the interest calculation. </span><span class=\"S77A SA7 S2\" id=\"tb_21\">The payment of index return is calculated on the basis of current market price compared to the previous market </span><span class=\"S77B SA7 S2\" id=\"tc_21\">price. In case of commodity swaps payments are calculated on the basis of the strike price of a predefined </span><span class=\"S77C SA7 S2\" id=\"td_21\">commodity compared to its average market price in a period. </span><span class=\"S77D SC S2\" id=\"te_21\">Forward rate agreements (FRA) </span><span class=\"S77E SA7 S2\" id=\"tf_21\">A forward rate agreement is an agreement to settle amounts at a specified future date based on the difference </span><span class=\"S77F SA7 S2\" id=\"tg_21\">between an interest rate index and an agreed upon fixed rate. Market risk arises from changes in the market value </span><span class=\"S780 SA7 S2\" id=\"th_21\">of contractual positions caused by movements in interest rates. </span><span class=\"S781 SA7 S2\" id=\"ti_21\">The Group limits its exposure to market risk by entering into generally matching or offsetting positions and by </span><span class=\"S782 SA7 S2\" id=\"tj_21\">establishing and monitoring limits on unmatched positions. Credit risk is managed through approval procedures </span><span class=\"S783 S5B9 S2\" id=\"tk_21\">that establish specific limits for individual counterparties. The Group\u2019s forward rate agreements were transacted </span><span class=\"S784 SA7 S2\" id=\"tl_21\">for management of interest rate exposures and have been accounted for at mark-to-market fair value. </span><span class=\"S785 SC S2\" id=\"tm_21\">Foreign exchange options </span><span class=\"S786 SA7 S2\" id=\"tn_21\">A foreign exchange option is a derivative financial instrument that gives the owner the right to exchange money </span><span class=\"S787 SA7 S2\" id=\"to_21\">denominated in one currency into another currency at a pre-agreed exchange rate at a specified future date. The </span><span class=\"S788 SA7 S2\" id=\"tp_21\">transaction, for a fee, guarantees a worst-case exchange rate for the futures purchase of one currency for another. </span><span class=\"S789 SA7 S2\" id=\"tq_21\">These options protect against unfavourable currency movements while preserving the ability to participate in </span><span class=\"S78A SA7 S2\" id=\"tr_21\">favourable movements. </span><span class=\"S78B SB S2\" id=\"ts_21\">2.7. </span><span class=\"S78C SB S2\" id=\"tt_21\">Hedge accounting </span><span class=\"S78D SB S2\" id=\"tu_21\">Derivative financial instruments designated as a fair-value hedge </span><span class=\"S78E SA7 S2\" id=\"tv_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instruments in fair value hedges </span><span class=\"S78F SA7 S2\" id=\"tw_21\">and that prove to be highly effective in relation to the hedged risk, are recorded in the Consolidated Statement of </span><span class=\"S790 SA7 S2\" id=\"tx_21\">Profit or Loss along with the corresponding change in fair value of the hedged asset or liability that is attributable </span><span class=\"S791 SA7 S2\" id=\"ty_21\">to the specific hedged risk. Changes in the fair value of hedging instrument in fair value hedges is charged directly </span><span class=\"S792 SA7 S2\" id=\"tz_21\">to the Consolidated Statement of Profit or Loss. </span><span class=\"S793 SA7 S2\" id=\"t10_21\">The conditions of hedge accounting applied by the Bank are the following: formally designated as hedge </span><span class=\"S794 SA7 S2\" id=\"t11_21\">relationship, proper hedge documentation is prepared, effectiveness test is performed and based on it the hedge is </span><span class=\"S795 SA7 S2\" id=\"t12_21\">qualified as effective. In the case of a financial instrument measured at amortised cost the Group recognises the </span><span class=\"S796 SA7 S2\" id=\"t13_21\">hedging gain or loss on the hedged item as the modification of its carrying amount and it is recognised in profit or </span><span class=\"S797 SA7 S2\" id=\"t14_21\">loss. These adjustments of the carrying amount are amortised to the profit or loss using the effective interest rate </span><span class=\"S798 SA7 S2\" id=\"t15_21\">method. The Group starts the amortisation when the hedged item is no longer adjusted by the hedging gains or </span><span class=\"S799 SA7 S2\" id=\"t16_21\">losses. If the hedged item is derecognised, the Group recognises the unamortised fair value in profit or loss </span><span class=\"S79A SA7 S2\" id=\"t17_21\">immediately. For fair value hedges inefficiencies and the net revaluation of hedged and hedging item are </span><span class=\"S79B SA7 S2\" id=\"t18_21\">recognized in the Net results on derivative instruments and hedge relationships. </span><span class=\"S79C SA7 S2\" id=\"t19_21\">The Group implemented hedge accounting rules prescribed by IFRS 9 in 2018. For further details please see Note </span><span class=\"S79D SA7 S2\" id=\"t1a_21\">48.3. </span><span class=\"S79E SB S2\" id=\"t1b_21\">Derivative financial instruments designated as cash-flow hedge </span><span class=\"S79F SA7 S2\" id=\"t1c_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instrument in cash-flow hedges </span><span class=\"S7A0 SA7 S2\" id=\"t1d_21\">and that prove to be highly effective in relation to the hedged risk are recognized in their effective portion as </span><span class=\"S7A1 SA7 S2\" id=\"t1e_21\">reserve in Other Comprehensive Income. The ineffective element of the changes in fair value of hedging </span><span class=\"S7A2 SA7 S2\" id=\"t1f_21\">instrument is charged directly to the Consolidated Statement of Profit or Loss. </span><span class=\"S585 SB S2\" id=\"t5_22\">2.7. </span><span class=\"S7A4 SB S2\" id=\"t6_22\">Hedge accounting [continued] </span><span class=\"S7A5 SB S2\" id=\"t7_22\">Derivative financial instruments designated as cash-flow hedge [continued] </span><span class=\"S7A6 SA7 S2\" id=\"t8_22\">The Group terminates the hedge relationship if the hedging instrument expires or is sold, terminated or exercised, </span><span class=\"S7A7 SA7 S2\" id=\"t9_22\">or the hedge no longer meets the criteria for hedge accounting. In the case of cash-flow hedges </span><span class=\"S7A8 S5B9 S2\" id=\"ta_22\">\u2013 </span><span class=\"S7A9 SA7 S2\" id=\"tb_22\">in line with the </span><span class=\"S7AA SA7 S2\" id=\"tc_22\">standard - hedge accounting is still applied by the Group as long as the underlying asset is derecognized or </span><span class=\"S7AB SA7 S2\" id=\"td_22\">terminated. When the Group discontinues hedge accounting to a cash-flow hedge the amount in the cash flow </span><span class=\"S7AC SA7 S2\" id=\"te_22\">hedge reserve is reclassified to the profit or loss if the hedged future cash flows are no longer expected to occur. </span><span class=\"S7AD SA7 S2\" id=\"tf_22\">If the hedged future cash flows are still expected to occur, the amount remains in the cashflow hedge reserve and </span><span class=\"S7AE SA7 S2\" id=\"tg_22\">reclassified to the profit and loss only when the future cash flows occur. </span><span class=\"S71F SB S2\" id=\"th_22\">Net investment hedge in foreign operations </span><span class=\"S7AF SA7 S2\" id=\"ti_22\">Hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as </span><span class=\"S7B0 SA7 S2\" id=\"tj_22\">part of the net investment, shall be accounted for similarly to cash flow hedges. </span><span class=\"S7B1 SA7 S2\" id=\"tk_22\">On the disposal of a foreign operation, the cumulative value of any gains and losses recognized in Other </span><span class=\"S7B2 SA7 S2\" id=\"tl_22\">Comprehensive Income is transferred to the Consolidated Statement of Profit or Loss. The Group has terminated </span><span class=\"S7B3 SA7 S2\" id=\"tm_22\">these transactions since 2020. </span><span class=\"S7B4 SB S2\" id=\"tn_22\">2.8. </span><span class=\"S7B5 SB S2\" id=\"to_22\">Offsetting </span><span class=\"S7B6 SA7 S2\" id=\"tp_22\">Financial assets and liabilities are offset and the net amount is reported in the Consolidated Statement of Financial </span><span class=\"S7B7 SA7 S2\" id=\"tq_22\">Position when the Group has a legally enforceable right to set off the recognized amounts and the transactions are </span><span class=\"S7B8 SA7 S2\" id=\"tr_22\">intended to be reported in the Consolidated Statement of Financial Position on a net basis. In case of the derivative </span><span class=\"S7B9 SA7 S2\" id=\"ts_22\">financial instruments the Group applies offsetting and net presentation in the Consolidated Statement of Financial </span><span class=\"S7BA SA7 S2\" id=\"tt_22\">Position when the Group has the right and the ability to settle these assets and liabilities on a net basis. </span><span class=\"S7BB SB S2\" id=\"tu_22\">2.9. </span><span class=\"S7BC SB S2\" id=\"tv_22\">Embedded derivatives </span><span class=\"S7BD SA7 S2\" id=\"tw_22\">Sometimes, a derivative may be a component of a combined or hybrid contract that includes a host contract and a </span><span class=\"S7BE SA7 S2\" id=\"tx_22\">derivative (the embedded derivative) affecting cash-flows or otherwise modifying the characteristics of the host </span><span class=\"S7BF SA7 S2\" id=\"ty_22\">instrument. An embedded derivative must be separated from the host instrument and accounted for as a separate </span><span class=\"S7C0 SA7 S2\" id=\"tz_22\">derivative if, and only if: </span><span class=\"S7C1 S602 S2\" id=\"t10_22\">\u2022 </span><span class=\"S7C2 SA7 S2\" id=\"t11_22\">The economic characteristics and risks of the embedded derivative are not closely related to the economic </span><span class=\"S7C3 SA7 S2\" id=\"t12_22\">characteristics and risks of the host contract; </span><span class=\"S7C4 S602 S2\" id=\"t13_22\">\u2022 </span><span class=\"S7C5 SA7 S2\" id=\"t14_22\">A separate financial instrument with the same terms as the embedded derivative would meet the definition </span><span class=\"S7C6 SA7 S2\" id=\"t15_22\">of a derivative as a stand-alone instrument; and </span><span class=\"S7C7 S602 S2\" id=\"t16_22\">\u2022 </span><span class=\"S7C8 SA7 S2\" id=\"t17_22\">The host instrument is not measured at fair value or is measured at fair value but changes in fair value are </span><span class=\"S7C9 SA7 S2\" id=\"t18_22\">recognized in Other Comprehensive Income. </span><span class=\"S7CA SA7 S2\" id=\"t19_22\">As long as a hybrid contract contains a host that is a financial asset the general accounting rules for classification, </span><span class=\"S7CB SA7 S2\" id=\"t1a_22\">recognition and measurement of financial assets are applicable for the whole contract and no embedded derivative </span><span class=\"S7CC SA7 S2\" id=\"t1b_22\">is separated. </span><span class=\"S7CD SA7 S2\" id=\"t1c_22\">Derivatives that are required to be separated are measured at fair value at initial recognition and subsequently. If </span><span class=\"S7CE SA7 S2\" id=\"t1d_22\">the Group is unable to measure the embedded derivative separately either at acquisition or at the end of a </span><span class=\"S7CF SA7 S2\" id=\"t1e_22\">subsequent financial reporting period, the Group shall designate the entire hybrid contract as at fair value through </span><span class=\"S7D0 SA7 S2\" id=\"t1f_22\">profit or loss. The Group shall assess whether an embedded derivative is required to be separated from the host </span><span class=\"S7D1 SA7 S2\" id=\"t1g_22\">contract and accounted for as a derivative when the Bank first becomes a party to the contract. </span><span class=\"S7D2 SA7 S2\" id=\"t1h_22\">The separation rules for embedded derivatives are only relevant for financial liabilities. </span><span class=\"S7D3 SB S2\" id=\"t1i_22\">2.10. </span><span class=\"S7D4 SB S2\" id=\"t1j_22\">Securities at fair value through other comprehensive income </span><span class=\"S7D5 SA7 S2\" id=\"t1k_22\">Securities at fair value through other comprehensive income are held within a business model whose objective is </span><span class=\"S7D6 SA7 S2\" id=\"t1l_22\">achieved by both collecting of contractual cash flows and selling securities. Furthermore, the contractual terms of </span><span class=\"S7D7 SA7 S2\" id=\"t1m_22\">these securities give rise on specified dates to cash flows that are solely payment of principal and interest on the </span><span class=\"S7D8 SA7 S2\" id=\"t1n_22\">principal amount outstanding. </span><span class=\"S7D9 SB S2\" id=\"t5_23\">2.10. </span><span class=\"S7DA SB S2\" id=\"t6_23\">Securities at fair value through other comprehensive income [continued] </span><span class=\"S7DB SB S2\" id=\"t7_23\">Debt instruments </span><span class=\"S7DC SA7 S2\" id=\"t8_23\">Investments in debt securities are accounted for on a trade date basis and are initially measured at fair value. </span><span class=\"S7DD SA7 S2\" id=\"t9_23\">Securities at fair value through other comprehensive income are measured at subsequent reporting dates at fair </span><span class=\"S7DE SA7 S2\" id=\"ta_23\">value. Unrealized gains and losses on securities at fair value through other comprehensive income are recognized </span><span class=\"S7DF SA7 S2\" id=\"tb_23\">directly in Other Comprehensive Income, except for interest and foreign exchange gains/losses on monetary items, </span><span class=\"S7E0 SA7 S2\" id=\"tc_23\">unless such financial asset at fair value through other comprehensive income is part of an effective hedge. Such </span><span class=\"S7E1 SA7 S2\" id=\"td_23\">gains and losses are reported when realized in Consolidated Statement of Profit or Loss for the applicable period. </span><span class=\"S7E2 SA7 S2\" id=\"te_23\">For debt securities at fair value through other comprehensive income the loss allowance is calculated based on </span><span class=\"S7E3 SA7 S2\" id=\"tf_23\">expected credit loss model. The expected credit loss is accounted for against Other Comprehensive Income. </span><span class=\"S7E4 SA7 S2\" id=\"tg_23\">Securities at fair value through other comprehensive income are remeasured at fair value based on quoted prices </span><span class=\"S7E5 SA7 S2\" id=\"th_23\">or amounts derived from cash-flow models. In circumstances where the quoted market prices are not readily </span><span class=\"S7E6 SA7 S2\" id=\"ti_23\">available, the fair value of debt securities is estimated using the present value of future cash-flows and the fair </span><span class=\"S7E7 SA7 S2\" id=\"tj_23\">value of any unquoted equity instruments are calculated using the EPS ratio. </span><span class=\"S7E8 SA7 S2\" id=\"tk_23\">Such securities consist of Hungarian and foreign government bonds, corporate bonds, mortgage bonds, interest- </span><span class=\"S7E9 SA7 S2\" id=\"tl_23\">bearing Treasury bills, securities issued by the NBH and other securities. </span><span class=\"S7EA SB S2\" id=\"tm_23\">Fair value through other comprehensive income option for equity instruments </span><span class=\"S7EB SA7 S2\" id=\"tn_23\">The Group has elected to present in the Statement of Other Comprehensive Income changes of fair value of those </span><span class=\"S7EC SA7 S2\" id=\"to_23\">equity instruments which are neither held for trading nor recognized as contingent consideration under IFRS 3. </span><span class=\"S7ED SA7 S2\" id=\"tp_23\">In some cases, the Group made an irrevocable election at initial recognition for certain equity instruments to </span><span class=\"S7EE SA7 S2\" id=\"tq_23\">present subsequent changes in fair value of these securities in the consolidated other comprehensive income instead </span><span class=\"S7EF SA7 S2\" id=\"tr_23\">of in profit or loss. </span><span class=\"S7F0 SA7 S2\" id=\"ts_23\">The use of the fair value option is based only on direct decision of management of the Group. </span><span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span><span class=\"S839 SB S2\" id=\"t5_25\">2.12. Modified assets </span><span class=\"S83A SA7 S2\" id=\"t6_25\">If the net present value of the contracted cash flows changes due to the modification of the contractual terms and </span><span class=\"S83B SA7 S2\" id=\"t7_25\">it is not qualified as derecognition, modification gain or loss should be calculated and accounted for in the </span><span class=\"S83C SA7 S2\" id=\"t8_25\">Consolidated Statement of Profit or Loss. Modification gain or loss is accounted in cases like restructuring </span><span class=\"S83D S5B9 S2\" id=\"t9_25\">\u2013 </span><span class=\"S83E SA7 S2\" id=\"ta_25\">as </span><span class=\"S83F SA7 S2\" id=\"tb_25\">defined in guidelines of the Group </span><span class=\"S840 S5B9 S2\" id=\"tc_25\">\u2013 </span><span class=\"S841 SA7 S2\" id=\"td_25\">prolongation, renewal with unchanged terms, renewal with shorter terms and </span><span class=\"S842 SA7 S2\" id=\"te_25\">prescribing capital repaymen</span><span class=\"S843 S5B9 S2\" id=\"tf_25\">t rate, if it doesn\u2019t exist or has not been earlier. </span><span class=\"S844 SA7 S2\" id=\"tg_25\">The changes of net present value should be calculated on portfolio level in case of retail exposures. Each retail </span><span class=\"S845 SA7 S2\" id=\"th_25\">contract is restructured based on restructuring frameworks. The Group has to evaluate these frameworks (and not </span><span class=\"S846 SA7 S2\" id=\"ti_25\">individual contracts). The changes of net present value should be calculated individually on contract level in case </span><span class=\"S847 SA7 S2\" id=\"tj_25\">of corporate portfolio. </span><span class=\"S848 SA7 S2\" id=\"tk_25\">Among the possible contract amendments, the Group considers as a derecognition and a new recognition when the </span><span class=\"S849 SA7 S2\" id=\"tl_25\">discounted present value </span><span class=\"S84A S5B9 S2\" id=\"tm_25\">\u2013 </span><span class=\"S84B SA7 S2\" id=\"tn_25\">discounted at the original effective interest rate </span><span class=\"S84C S5B9 S2\" id=\"to_25\">\u2013 </span><span class=\"S84D SA7 S2\" id=\"tp_25\">of the cash flows under the new terms </span><span class=\"S84E SA7 S2\" id=\"tq_25\">is at least 10 per cent different from the discounted present value of the remaining cash flows. In case of </span><span class=\"S84F SA7 S2\" id=\"tr_25\">derecognition and new recognition the unamortized fees of the derecognized asset should be presented as Income </span><span class=\"S850 SA7 S2\" id=\"ts_25\">similar to interest income. The newly recognized financial asset is initially measured at fair value and is placed in </span><span class=\"S851 SA7 S2\" id=\"tt_25\">stage 1 if the derecognized financial asset was in stage 1 or stage 2 portfolio. The newly recognized financial asset </span><span class=\"S852 S5B9 S2\" id=\"tu_25\">will be purchased or originated credit impaired financial asset (\u201cPOCI\u201d) if the derecognized financial asset was in </span><span class=\"S853 SA7 S2\" id=\"tv_25\">stage 3 portfolio or it was POCI. </span><span class=\"S854 SA7 S2\" id=\"tw_25\">The modification gain or loss shall be calculated at each contract amendments unless they are handled as a </span><span class=\"S855 SA7 S2\" id=\"tx_25\">derecognition and new recognition. In case of modification the Group recalculates the gross carrying amount of </span><span class=\"S856 SA7 S2\" id=\"ty_25\">the financial asset. To do this, the new contractual cash flows </span><span class=\"S857 S5B9 S2\" id=\"tz_25\">should be discounted using the financial asset\u2019s </span><span class=\"S858 SA7 S2\" id=\"t10_25\">original effective interest rate (or credit-adjusted effective interest rate for POCI financial asset). Any costs or fees </span><span class=\"S859 SA7 S2\" id=\"t11_25\">incurred adjust the carrying amount of the modified financial asset are amortized over the remaining term of the </span><span class=\"S85A SA7 S2\" id=\"t12_25\">modified financial asset. </span><span class=\"S85B SB S2\" id=\"t13_25\">2.13. </span><span class=\"S85C SB S2\" id=\"t14_25\">Purchased or originated credit impaired financial assets </span><span class=\"S85D SA7 S2\" id=\"t15_25\">Purchased or originated financial assets are credit-impaired on initial recognition. A financial asset is credit- </span><span class=\"S85E SA7 S2\" id=\"t16_25\">impaired when one or more events that have a detrimental impact on the estimated future cash flows of that </span><span class=\"S85F SA7 S2\" id=\"t17_25\">financial asset have occurred. </span><span class=\"S860 SA7 S2\" id=\"t18_25\">A purchased credit-impaired asset is likely to be acquired at a deep discount. In unusual circumstances, it may be </span><span class=\"S861 SA7 S2\" id=\"t19_25\">possible that an entity originates a credit-impaired asset, for example, following a substantial modification of a </span><span class=\"S862 SA7 S2\" id=\"t1a_25\">distressed financial asset that resulted in the derecogniton of the original financial asset. </span><span class=\"S863 SA7 S2\" id=\"t1b_25\">In the case of POCI financial assets, interest income is always recognized by applying the credit-adjusted effective </span><span class=\"S864 SA7 S2\" id=\"t1c_25\">interest rate. </span><span class=\"S7FC SA7 S2\" id=\"t1d_25\">For POCI financial assets, in subsequent reporting periods an entity is required to recognize: </span><span class=\"S865 SA7 S2\" id=\"t1e_25\">- </span><span class=\"S866 SA7 S2\" id=\"t1f_25\">the cumulative changes in lifetime expected credit losses since initial recognition as a loss allowance, </span><span class=\"S867 SA7 S2\" id=\"t1g_25\">- </span><span class=\"S868 SA7 S2\" id=\"t1h_25\">the impairment gain or loss which is the amount of any change in lifetime expected credit losses. </span><span class=\"S869 SA7 S2\" id=\"t1i_25\">An impairment gain is recognized (with the parallel increase of the net amortized cost of receivable) if due </span><span class=\"S86A SA7 S2\" id=\"t1j_25\">to the favourable changes after initial recognition the lifetime expected credit loss estimation is becoming </span><span class=\"S86B SA7 S2\" id=\"t1k_25\">lower than the original estimated credit losses at initial recognition. </span><span class=\"S86C S5B9 S2\" id=\"t1l_25\">The POCI qualification remains from initial recognition to derecognition in the Group\u2019s books. </span><span class=\"S86D SB S2\" id=\"t5_26\">2.14. Loss allowance </span><span class=\"S86E SA7 S2\" id=\"t6_26\">A loss allowance for loans and placements with other banks and repo receivables is recognized by the Group based </span><span class=\"S86F SA7 S2\" id=\"t7_26\">on the expected credit loss model in accordance with IFRS 9. Based on the three-stage model the recognized loss </span><span class=\"S870 SA7 S2\" id=\"t8_26\">allowance equals to 12-month expected credit loss from the initial recognition. On financial assets with </span><span class=\"S871 SA7 S2\" id=\"t9_26\">significantly increased credit risk or credit impaired financial assets (based on objective evidence) the recognized </span><span class=\"S872 SA7 S2\" id=\"ta_26\">loss allowance is the lifetime expected credit loss. </span><span class=\"S873 SA7 S2\" id=\"tb_26\">In the case of purchased or originated credit impaired financial assets, a loss allowance is recognized in the amount </span><span class=\"S874 SA7 S2\" id=\"tc_26\">of the lifetime expected credit loss since initial recognition. The impairment gain in the Consolidated Statement </span><span class=\"S875 SA7 S2\" id=\"td_26\">of Profit or Loss is recognized if lifetime expected credit loss for purchased or originated credit impaired financial </span><span class=\"S5C4 SA7 S2\" id=\"te_26\">assets at measurement date is less than the estimated credit loss at initial recognition. </span><span class=\"S876 S5B9 S2\" id=\"tf_26\">A loss allowance for loans and placements with other banks and repo receivables represents Management\u2019s </span><span class=\"S877 SA7 S2\" id=\"tg_26\">assessment for potential losses in relation to these activities. </span><span class=\"S878 SA7 S2\" id=\"th_26\">Loss allowance for loan and placements are determined at a level that provides coverage for individually identified </span><span class=\"S879 SA7 S2\" id=\"ti_26\">credit losses. For loans for which it is not possible to determine the amount of the individually identified credit </span><span class=\"S87A SA7 S2\" id=\"tj_26\">loss in the absence of objective evidence, a collective impairment loss is recognized. With this, the Group reduces </span><span class=\"S87B SA7 S2\" id=\"tk_26\">the carrying amount of financial asset portfolios with similar credit risk characteristics to the amount expected to </span><span class=\"S87C SA7 S2\" id=\"tl_26\">be recovered based on historical loss experience. </span><span class=\"S87D SA7 S2\" id=\"tm_26\">At subsequent measurement the Group rec</span><span class=\"S87E S5B9 S2\" id=\"tn_26\">ognizes an impairment gain or loss through \u201cImpairment gain on POCI </span><span class=\"S87F S5B9 S2\" id=\"to_26\">loans\u201d in the Consolidated Statement of Profit or Loss as part of \u201cRisk cost\u201d line as an amount of expected credit </span><span class=\"S880 SA7 S2\" id=\"tp_26\">losses or reversal which is required to adjust the loss allowance at the reporting date to the amount that is required </span><span class=\"S881 SA7 S2\" id=\"tq_26\">to be recognized in accordance with IFRS 9. If the reason for the impairment no longer exist the impairment is </span><span class=\"S882 SA7 S2\" id=\"tr_26\">released in the Consolidated Statement of Profit or Loss for the current period. </span><span class=\"S883 SA7 S2\" id=\"ts_26\">If a financial asset, for which previously there were no indicators of significant increase in credit risk (i.e. classified </span><span class=\"S884 SA7 S2\" id=\"tt_26\">in Stage 1) is subsequently classified in Stage 2 or Stage 3 then loss allowance is adjusted to lifetime expected </span><span class=\"S885 SA7 S2\" id=\"tu_26\">credit loss. If a financial asset, which was previously classified in Stage 2 or Stage 3 is subsequently classified in </span><span class=\"S827 SA7 S2\" id=\"tv_26\">Stage 1 then the loss allowance is adjusted to the level of 12 month expected credit loss. </span><span class=\"S886 SB S2\" id=\"tw_26\">Classification into risk classes </span><span class=\"S887 SA7 S2\" id=\"tx_26\">According to the requirements of the IFRS9 the Group classifies the financial assets measured at amortized cost, </span><span class=\"S888 SA7 S2\" id=\"ty_26\">at fair value through other comprehensive income and loan commitments and financial guarantees into the </span><span class=\"S762 SA7 S2\" id=\"tz_26\">following stages: </span><span class=\"S889 S602 S2\" id=\"t10_26\">\u2022 </span><span class=\"S88A SA7 S2\" id=\"t11_26\">Stage 1 </span><span class=\"S88B S5B9 S2\" id=\"t12_26\">\u2013 </span><span class=\"S88C SA7 S2\" id=\"t13_26\">performing financial instruments without significant increase in credit risk since initial </span><span class=\"S88D SA7 S2\" id=\"t14_26\">recognition </span><span class=\"S88E S602 S2\" id=\"t15_26\">\u2022 </span><span class=\"S88F SA7 S2\" id=\"t16_26\">Stage 2 </span><span class=\"S890 S5B9 S2\" id=\"t17_26\">\u2013 </span><span class=\"S891 SA7 S2\" id=\"t18_26\">performing financial instruments with significant increase in credit risk since initial recognition </span><span class=\"S892 SA7 S2\" id=\"t19_26\">but not credit-impaired </span><span class=\"S893 S602 S2\" id=\"t1a_26\">\u2022 </span><span class=\"S894 SA7 S2\" id=\"t1b_26\">Stage 3 </span><span class=\"S895 S5B9 S2\" id=\"t1c_26\">\u2013 </span><span class=\"S896 SA7 S2\" id=\"t1d_26\">non-performing, credit-impaired financial instruments </span><span class=\"S897 S602 S2\" id=\"t1e_26\">\u2022 </span><span class=\"S898 SA7 S2\" id=\"t1f_26\">POCI </span><span class=\"S899 S5B9 S2\" id=\"t1g_26\">\u2013 </span><span class=\"S89A SA7 S2\" id=\"t1h_26\">purchased or originated credit impaired </span><span class=\"S89B SA7 S2\" id=\"t1i_26\">In the case of trade receivables the Group applies the simplified approach and calculates only lifetime expected </span><span class=\"S89C SA7 S2\" id=\"t1j_26\">credit loss. The simplified approach is the following: </span><span class=\"S89D S6E3 S2\" id=\"t1k_26\">- </span><span class=\"S89E SA7 S2\" id=\"t1l_26\">for the past 3 years the average annual balance of receivables under simplified approach is calculated, </span><span class=\"S89F S6E3 S2\" id=\"t1m_26\">- </span><span class=\"S8A0 SA7 S2\" id=\"t1n_26\">the written-off receivables under simplified approach are determined in the past 3 years, </span><span class=\"S8A1 S6E3 S2\" id=\"t1o_26\">- </span><span class=\"S8A2 SA7 S2\" id=\"t1p_26\">historical losses are adjusted to reflect information about current conditions and reasonable forecasts of </span><span class=\"S8A3 SA7 S2\" id=\"t1q_26\">future economic conditions, </span><span class=\"S8A4 S6E3 S2\" id=\"t1r_26\">- </span><span class=\"S8A5 SA7 S2\" id=\"t1s_26\">the loss allowance ratio is the sum of the written-off amounts divided by the sum of the average balances, </span><span class=\"S8A6 S6E3 S2\" id=\"t1t_26\">- </span><span class=\"S8A7 SA7 S2\" id=\"t1u_26\">the loss allowance is multiplied by the end-of-year balance, it is the actual loss allowance on these </span><span class=\"S8A8 SA7 S2\" id=\"t1v_26\">receivables, </span><span class=\"S8A9 S6E3 S2\" id=\"t1w_26\">- </span><span class=\"S8AA SA7 S2\" id=\"t1x_26\">loss allowance should be recalculated annually. </span><span class=\"S8AB SB S2\" id=\"t5_27\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_27\">Classification into risk classes [continued] </span><span class=\"S8AD SA7 S2\" id=\"t7_27\">The Group assumes that the credit risk on a financial instrument has not increased significantly since initial </span><span class=\"S8AE SA7 S2\" id=\"t8_27\">recognition if the financial asset is determined to have low credit risk at the reporting date. This might occur if the </span><span class=\"S8AF SA7 S2\" id=\"t9_27\">financial asset has a low risk of default, the borrower has a strong capacity to meet its contractual cash flow </span><span class=\"S8B0 SA7 S2\" id=\"ta_27\">obligations in the near term and adverse changes in economic and business conditions in the longer term may, but </span><span class=\"S8B1 SA7 S2\" id=\"tb_27\">will not necessarily, reduce the ability of the borrower to fulfil its contractual cash flow obligations. The Group </span><span class=\"S8B2 SA7 S2\" id=\"tc_27\">considers sovereign exposures as having low credit risk. </span><span class=\"S8B3 SA7 S2\" id=\"td_27\">Stage 1: financial instruments for which the events and conditions specified in respect of Stage 2 and Stage 3 do </span><span class=\"S8B4 SA7 S2\" id=\"te_27\">not exist on the reporting date. </span><span class=\"S8B5 SA7 S2\" id=\"tf_27\">A client or loan must be qualified as default if one or both the following two conditions occur: </span><span class=\"S8B6 S602 S2\" id=\"tg_27\">\u2022 </span><span class=\"S8B7 SA7 S2\" id=\"th_27\">The client delays more than 90 days. This is considered a hard trigger. </span><span class=\"S8B8 S602 S2\" id=\"ti_27\">\u2022 </span><span class=\"S8B9 SA7 S2\" id=\"tj_27\">There is reasonable probability that the client will not pay all of its obligation. This condition is examined </span><span class=\"S8BA SA7 S2\" id=\"tk_27\">on the basis of probability criteria of default. </span><span class=\"S8BB SA7 S2\" id=\"tl_27\">The subject of default qualification is that exposure (on-balance and off-balance) which originates credit risk (so </span><span class=\"S8BC SA7 S2\" id=\"tm_27\">originated from loan commitments, risk-taking contracts). </span><span class=\"S8BD SA7 S2\" id=\"tn_27\">A financial instrument shows significant increase in credit risk, and is allocated to Stage 2, if in respect of which </span><span class=\"S8BE SA7 S2\" id=\"to_27\">any of the following triggers exist on the reporting date, without fulfilling any of the conditions for the allocation </span><span class=\"S8BF SA7 S2\" id=\"tp_27\">to the non-performing stage (stage 3): </span><span class=\"S8C0 S602 S2\" id=\"tq_27\">\u2022 </span><span class=\"S8C1 SA7 S2\" id=\"tr_27\">the payment delay exceeds 30 days, </span><span class=\"S8C2 S602 S2\" id=\"ts_27\">\u2022 </span><span class=\"S8C3 SA7 S2\" id=\"tt_27\">it is classified as performing forborne, </span><span class=\"S8C4 S602 S2\" id=\"tu_27\">\u2022 </span><span class=\"S8C5 SA7 S2\" id=\"tv_27\">based on individual decision, its currency suffered a significant \"shock\" since the disbursement of the loan, </span><span class=\"S8C6 S602 S2\" id=\"tw_27\">\u2022 </span><span class=\"S8C7 SA7 S2\" id=\"tx_27\">the transaction/client rating exceeds a predefined value or falls into a determined range, or compared to the </span><span class=\"S8C8 SA7 S2\" id=\"ty_27\">historic value it deteriorates to a predefined degree, </span><span class=\"S8C9 S602 S2\" id=\"tz_27\">\u2022 </span><span class=\"S8CA SA7 S2\" id=\"t10_27\">in the case retail mortgage loans, the loan-to-value ratio exceeds a predefined rate, </span><span class=\"S8CB S602 S2\" id=\"t11_27\">\u2022 </span><span class=\"S8CC SA7 S2\" id=\"t12_27\">default on another loan of the retail client, if no cross-default exists, </span><span class=\"S8CD S602 S2\" id=\"t13_27\">\u2022 </span><span class=\"S8CE SA7 S2\" id=\"t14_27\">monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8CF S6E3 S2\" id=\"t15_27\">- </span><span class=\"S8D0 SA7 S2\" id=\"t16_27\">financial difficulties at the debtor (capital adequacy, liquidity, deterioration of the instrument quality), </span><span class=\"S8D1 S6E3 S2\" id=\"t17_27\">- </span><span class=\"S8D2 SA7 S2\" id=\"t18_27\">significant decrease of the liquidity or the activity on the active market of the financial instrument can </span><span class=\"S8D3 SA7 S2\" id=\"t19_27\">be observed, </span><span class=\"S8D4 S6E3 S2\" id=\"t1a_27\">- </span><span class=\"S8D5 SA7 S2\" id=\"t1b_27\">the rating of the client reflects high risk, but it is better than the default one, </span><span class=\"S8D6 S6E3 S2\" id=\"t1c_27\">- </span><span class=\"S8D7 SA7 S2\" id=\"t1d_27\">significantly decrease in the value of the recovery from which the debtor would disburse the loan, </span><span class=\"S8D8 S6E3 S2\" id=\"t1e_27\">- </span><span class=\"S8D9 SA7 S2\" id=\"t1f_27\">clients under liquidation. </span><span class=\"S8DA SA7 S2\" id=\"t1g_27\">A financial instrument is non-performing and it is allocated to Stage 3 when any of the following events or </span><span class=\"S8DB SA7 S2\" id=\"t1h_27\">conditions exists on the reporting date: </span><span class=\"S8DC S602 S2\" id=\"t1i_27\">\u2022 </span><span class=\"S8DD SA7 S2\" id=\"t1j_27\">default (based on the group level default definition), </span><span class=\"S8DE S602 S2\" id=\"t1k_27\">\u2022 </span><span class=\"S8DF SA7 S2\" id=\"t1l_27\">classified as non-performing forborne (based on the group level forborne definition), </span><span class=\"S8E0 S602 S2\" id=\"t1m_27\">\u2022 </span><span class=\"S8E1 SA7 S2\" id=\"t1n_27\">the monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8E2 SA7 S2\" id=\"t1o_27\">level (including but not limited to): </span><span class=\"S8E3 S6E3 S2\" id=\"t1p_27\">- </span><span class=\"S8E4 SA7 S2\" id=\"t1q_27\">breaching of contracts, </span><span class=\"S8E5 S6E3 S2\" id=\"t1r_27\">- </span><span class=\"S8E6 SA7 S2\" id=\"t1s_27\">significant financial difficulties of the debtor (like capital adequacy, liquidity, deterioration of the </span><span class=\"S8E7 SA7 S2\" id=\"t1t_27\">instrument quality), </span><span class=\"S8E8 S6E3 S2\" id=\"t1u_27\">- </span><span class=\"S8E9 SA7 S2\" id=\"t1v_27\">bankruptcy, liquidation, debt settlement processes against debtor, </span><span class=\"S8EA S6E3 S2\" id=\"t1w_27\">- </span><span class=\"S8EB SA7 S2\" id=\"t1x_27\">forced strike-off started against debtor, </span><span class=\"S8EC S6E3 S2\" id=\"t1y_27\">- </span><span class=\"S8ED SA7 S2\" id=\"t1z_27\">termination of loan contract by the Bank, </span><span class=\"S8EE S6E3 S2\" id=\"t20_27\">- </span><span class=\"S8EF SA7 S2\" id=\"t21_27\">occurrence of fraud event, </span><span class=\"S8F0 S6E3 S2\" id=\"t22_27\">- </span><span class=\"S8F1 SA7 S2\" id=\"t23_27\">termination of the active market of the financial instrument. </span><span class=\"S8AB SB S2\" id=\"t5_28\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_28\">Classification into risk classes [continued] </span><span class=\"S8F2 SA7 S2\" id=\"t7_28\">If the exposure is no longer considered as credit impaired, the Group allocates this exposure to Stage 2. </span><span class=\"S6EA SA7 S2\" id=\"t8_28\">When loss allowance is calculated at exposures categorized into stages the following process is needed by stages: </span><span class=\"S8F3 S602 S2\" id=\"t9_28\">\u2022 </span><span class=\"S8F4 SA7 S2\" id=\"ta_28\">Stage 1 (performing): loss allowance at an amount equal to 12-month expected credit loss should be </span><span class=\"S8F5 SA7 S2\" id=\"tb_28\">recognized, </span><span class=\"S8F6 S602 S2\" id=\"tc_28\">\u2022 </span><span class=\"S8F7 SA7 S2\" id=\"td_28\">Stage 2 (significant increase in credit risk): loss allowance at an amount equal to lifetime expected credit </span><span class=\"S8F8 SA7 S2\" id=\"te_28\">loss should be recognized, </span><span class=\"S8F9 S602 S2\" id=\"tf_28\">\u2022 </span><span class=\"S8FA SA7 S2\" id=\"tg_28\">Stage 3 (non-performing): loss allowance at an amount equal to lifetime expected credit loss should be </span><span class=\"S8FB SA7 S2\" id=\"th_28\">recognized. </span><span class=\"S8FC SA7 S2\" id=\"ti_28\">For lifetime expected credit losses, an entity shall estimate the risk of a default occurring on the financial </span><span class=\"S8FD SA7 S2\" id=\"tj_28\">instrument during its expected life. 12-month expected credit losses are a portion of the lifetime expected credit </span><span class=\"S8FE SA7 S2\" id=\"tk_28\">losses and represent the lifetime cash shortfalls that will result if a default occurs in the 12 months after the </span><span class=\"S8FF SA7 S2\" id=\"tl_28\">reporting date (or a shorter period if the expected life of a financial instrument is less than 12 months), weighted </span><span class=\"S900 SA7 S2\" id=\"tm_28\">by the probability of that default occurring. </span><span class=\"S901 SA7 S2\" id=\"tn_28\">An entity shall measure expected credit losses of a financial instrument in a way that reflects: </span><span class=\"S902 SA7 S2\" id=\"to_28\">- </span><span class=\"S903 SA7 S2\" id=\"tp_28\">an unbiased and probability-weighted amount that is determined by evaluating a range of possible </span><span class=\"S904 SA7 S2\" id=\"tq_28\">outcomes </span><span class=\"S905 SA7 S2\" id=\"tr_28\">- </span><span class=\"S906 SA7 S2\" id=\"ts_28\">the time value of money and </span><span class=\"S907 SA7 S2\" id=\"tt_28\">- </span><span class=\"S908 SA7 S2\" id=\"tu_28\">reasonable and supportable information that is available without undue cost or effort at the reporting date </span><span class=\"S909 SA7 S2\" id=\"tv_28\">about past events, current conditions and forecasts of future economic conditions. </span><span class=\"S90A SB S2\" id=\"tw_28\">2.15. </span><span class=\"S90B SB S2\" id=\"tx_28\">Sale and repurchase agreements, security lending </span><span class=\"S90C SA7 S2\" id=\"ty_28\">Where debt or equity securities are sold under a commitment to repurchase them at a pre-determined price, they </span><span class=\"S90D SA7 S2\" id=\"tz_28\">remain on the Consolidated Statement of Financial Position and the consideration received is recorded in Other </span><span class=\"S90E SA7 S2\" id=\"t10_28\">liabilities or Amounts due to banks, the National Governments, deposits from the National Banks and other banks. </span><span class=\"S90F SA7 S2\" id=\"t11_28\">Conversely, debt or equity securities purchased under a commitment to resell are not recognized in the </span><span class=\"S910 SA7 S2\" id=\"t12_28\">Consolidated Statement of Financial Position and the consideration paid is recorded either in Placements with </span><span class=\"S911 SA7 S2\" id=\"t13_28\">other banks or Deposits from customers. Interest is accrued based on the effective interest method evenly over the </span><span class=\"S912 SA7 S2\" id=\"t14_28\">life of the repurchase agreement. </span><span class=\"S913 SA7 S2\" id=\"t15_28\">In the case of security lending transactions, the Group does not recognize or derecognize the securities because </span><span class=\"S914 SA7 S2\" id=\"t16_28\">believes that the transferor retains substantially all the risks and rewards of the ownership of the securities. Only a </span><span class=\"S915 SA7 S2\" id=\"t17_28\">financial liability or financial receivable is recognized for the consideration amount. </span><span class=\"S916 SB S2\" id=\"t18_28\">2.16. </span><span class=\"S917 SB S2\" id=\"t19_28\">Associates and other investments </span><span class=\"S918 SA7 S2\" id=\"t1a_28\">Companies where the Bank has the ability to exercise significant influence are accounted for using the equity </span><span class=\"S919 SA7 S2\" id=\"t1b_28\">method. Subsidiaries and associated companies that were not accounted for using the equity method and other </span><span class=\"S91A SA7 S2\" id=\"t1c_28\">investments where the Bank does not hold a significant interest are recorded according to IFRS 9. When an </span><span class=\"S91B SA7 S2\" id=\"t1d_28\">investment in an associate is held indirectly through an entity that is a venture capital fund, the Group elects to </span><span class=\"S91C SA7 S2\" id=\"t1e_28\">measure these investments in the associate at fair value through profit or loss in accordance with IFRS 9. </span><span class=\"S91D SA7 S2\" id=\"t1f_28\">Under the equity method, the investment is initially recognized at cost, and the carrying amount is adjusted </span><span class=\"S91E SA7 S2\" id=\"t1g_28\">subsequently for: </span><span class=\"S91F SA7 S2\" id=\"t1h_28\">- </span><span class=\"S920 S5B9 S2\" id=\"t1i_28\">the Group\u2019s share of the post</span><span class=\"S921 SA7 S2\" id=\"t1j_28\">-</span><span class=\"S922 S5B9 S2\" id=\"t1k_28\">acquisition profits or losses of the investee, which are recognized in the Group\u2019s </span><span class=\"S923 SA7 S2\" id=\"t1l_28\">Consolidated Statement of Profit or Loss; and </span><span class=\"S924 SA7 S2\" id=\"t1m_28\">- </span><span class=\"S925 SA7 S2\" id=\"t1n_28\">the distributions received from the investee, which reduce the carrying amount of the investment. </span><span class=\"S926 SB S2\" id=\"t5_29\">2.16.  Associates and other investments [continued] </span><span class=\"S927 S5B9 S2\" id=\"t6_29\">The Group\u2019s share of the profits or losses of the investee, or other changes in the investee\u2019s equi </span><span class=\"S928 SA7 S2\" id=\"t7_29\">ty, is determined </span><span class=\"S68A S5B9 S2\" id=\"t8_29\">on the basis of its proportionate ownership interest. The Group recognizes its share of the investee\u2019s income and </span><span class=\"S8F2 SA7 S2\" id=\"t9_29\">losses based on the percentage of the equity interest owned by the Group. </span><span class=\"S929 SA7 S2\" id=\"ta_29\">Gains and losses on the sale of investments are determined based on the specific identification of the cost of each </span><span class=\"S92A SA7 S2\" id=\"tb_29\">investment. </span><span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span><span class=\"S96B SB S2\" id=\"t5_30\">2.18. Inventories </span><span class=\"S96C SA7 S2\" id=\"t6_30\">Inventories are measured at the lower of cost and net realisable value. The cost of inventories comprises all costs </span><span class=\"S96D SA7 S2\" id=\"t7_30\">of purchase, costs of conversion and other costs incurred in bringing the inventories to their present location and </span><span class=\"S96E SA7 S2\" id=\"t8_30\">condition. </span><span class=\"S5C0 SA7 S2\" id=\"t9_30\">The Group uses generally FIFO formulas to the measurement of inventories. </span><span class=\"S96F SA7 S2\" id=\"ta_30\">Inventories are removed from books when they are sold, unusable or destroyed. When inventories are sold, the </span><span class=\"S970 SA7 S2\" id=\"tb_30\">carrying amount of those inventories are recognized as an expense in the period in which the related revenue is </span><span class=\"S971 SA7 S2\" id=\"tc_30\">recognized. </span><span class=\"S972 SA7 S2\" id=\"td_30\">Repossessed assets are classified as inventories. The Group's policy is to sell repossessed assets and not to use </span><span class=\"S973 SA7 S2\" id=\"te_30\">them for its internal operations. </span><span class=\"S974 SB S2\" id=\"tf_30\">2.19.  Government grants and government assistance </span><span class=\"S975 SA7 S2\" id=\"tg_30\">The Group recognise government grants only when there is a reasonable assurance that the grant will be received, </span><span class=\"S976 SA7 S2\" id=\"th_30\">and all attached conditions will be complied with. </span><span class=\"S977 SA7 S2\" id=\"ti_30\">The Group presents grants relating to assets as deferred income in the Consolidated Statement of Financial </span><span class=\"S978 SA7 S2\" id=\"tj_30\">Position, which is recognized in profit or loss on a systematic basis over the useful life of the asset. </span><span class=\"S979 SA7 S2\" id=\"tk_30\">Grants related to an expense item are recorded as another operating income in those periods when the related costs </span><span class=\"S97A SA7 S2\" id=\"tl_30\">were recognized. </span><span class=\"S97B SB S2\" id=\"tm_30\">2.20. Financial liabilities </span><span class=\"S97C SA7 S2\" id=\"tn_30\">The financial liabilities are presented within these lines in the Consolidated Financial Statements: </span><span class=\"S97D SA7 S2\" id=\"to_30\">- </span><span class=\"S97E SA7 S2\" id=\"tp_30\">Amount due to banks, the National Governments, deposits from the National Banks and other banks </span><span class=\"S97F SA7 S2\" id=\"tq_30\">- </span><span class=\"S980 SA7 S2\" id=\"tr_30\">Repo liabilities </span><span class=\"S981 SA7 S2\" id=\"ts_30\">- </span><span class=\"S982 SA7 S2\" id=\"tt_30\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S983 SA7 S2\" id=\"tu_30\">- </span><span class=\"S984 SA7 S2\" id=\"tv_30\">Deposits from customers </span><span class=\"S985 SA7 S2\" id=\"tw_30\">- </span><span class=\"S986 SA7 S2\" id=\"tx_30\">Liabilities from issued securities </span><span class=\"S987 SA7 S2\" id=\"ty_30\">- </span><span class=\"S988 SA7 S2\" id=\"tz_30\">Derivative financial liabilities held for trading </span><span class=\"S989 SA7 S2\" id=\"t10_30\">- </span><span class=\"S98A SA7 S2\" id=\"t11_30\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S98B SA7 S2\" id=\"t12_30\">- </span><span class=\"S98C SA7 S2\" id=\"t13_30\">Other financial liabilities </span><span class=\"S98D SA7 S2\" id=\"t14_30\">At initial recognition, the Group measures financial liabilities at fair value plus or minus </span><span class=\"S98E S5B9 S2\" id=\"t15_30\">\u2013 </span><span class=\"S98F SA7 S2\" id=\"t16_30\">in the case of a financial </span><span class=\"S990 SA7 S2\" id=\"t17_30\">liability not at fair value through profit or loss </span><span class=\"S991 S5B9 S2\" id=\"t18_30\">\u2013 </span><span class=\"S992 SA7 S2\" id=\"t19_30\">transaction costs that are directly attributable to the acquisition or </span><span class=\"S993 SA7 S2\" id=\"t1a_30\">issue of the financial liability. </span><span class=\"S994 SA7 S2\" id=\"t1b_30\">Usually, the initial fair value of financial liabilities equals to transaction value. However, when the amounts are </span><span class=\"S995 SA7 S2\" id=\"t1c_30\">not equal, the initial fair value difference should be recognized. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span><span class=\"S99B SA7 S2\" id=\"t1i_30\">Financial liabilities at fair value through profit or loss are either financial liabilities held for trading or they are </span><span class=\"S99C SA7 S2\" id=\"t1j_30\">designated upon initial recognition as at fair value through profit or loss. </span><span class=\"S99D SA7 S2\" id=\"t1k_30\">In connection to the derivative financial liabilities measured at fair value through profit or loss, the Group presents </span><span class=\"S99E SA7 S2\" id=\"t1l_30\">the amount of change in their fair value originated from the changes of market conditions and business </span><span class=\"S99F SA7 S2\" id=\"t1m_30\">environment. </span><span class=\"S9A0 SA7 S2\" id=\"t1n_30\">The Group designated some financial liabilities upon initial recognition to measure at fair value through profit or </span><span class=\"S9A1 SA7 S2\" id=\"t1o_30\">loss. This classification eliminates or significantly reduces a measurement or recognition inconsistency that would </span><span class=\"S9A2 SA7 S2\" id=\"t1p_30\">otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases </span><span class=\"S9A3 S5B9 S2\" id=\"t1q_30\">(\u201caccounting mismatch\u201d). </span><span class=\"S9A4 SA7 S2\" id=\"t1r_30\">The changes in fair value of these liabilities are recognized in profit or loss, except the </span><span class=\"S9A5 SA7 S2\" id=\"t1s_30\">fair value changes attributable to credit risk which are recognized among other comprehensive income. </span><span class=\"S7D9 SB S2\" id=\"t5_31\">2.20. </span><span class=\"S9A7 SB S2\" id=\"t6_31\">Financial liabilities [continued] </span><span class=\"S9A8 SA7 S2\" id=\"t7_31\">In the case of financial liabilities measured at amortized cost fees and commissions related to the origination of </span><span class=\"S9A9 SA7 S2\" id=\"t8_31\">the financial liability are recognized through profit or loss during the maturity of the instrument using effective </span><span class=\"S9AA SA7 S2\" id=\"t9_31\">interest method. In certain cases, the Group repurchases a part of financial liabilities (mainly issued securities or </span><span class=\"S9AB SA7 S2\" id=\"ta_31\">subordinated bonds) and the difference between the carrying amount of the financial liability and the amount paid </span><span class=\"S9AC SA7 S2\" id=\"tb_31\">for it is recognized in the net profit or loss for the period and included in other operating income. </span><span class=\"S9AD SB S2\" id=\"tc_31\">2.21. Leases </span><span class=\"S9AE SB S2\" id=\"td_31\">The Group as a lessor </span><span class=\"S9AF SA7 S2\" id=\"te_31\">Leases are classified as finance leases whenever the terms of the lease transfer substantially all the risks and </span><span class=\"S9B0 SA7 S2\" id=\"tf_31\">rewards of ownership to the lessee. All other leases are classified as operating leases. Lease classification is made </span><span class=\"S877 SA7 S2\" id=\"tg_31\">at the inception date and is reassessed only if there is a lease modification. </span><span class=\"S9B1 SB S2\" id=\"th_31\">Finance leases </span><span class=\"S9B2 SA7 S2\" id=\"ti_31\">At the commencement date, a lessor derecognizes the assets held under a finance lease in the Consolidated </span><span class=\"S9B3 SA7 S2\" id=\"tj_31\">Statement of Financial Position and present them as a receivable at an amount equal to the net investment in the </span><span class=\"S9B4 SA7 S2\" id=\"tk_31\">lease. The lessor shall use the interest rate implicit in the lease to measure the net investment in the lease. Direct </span><span class=\"S9B5 SA7 S2\" id=\"tl_31\">costs such as commissions are included in the initial measurement of the finance lease receivables. </span><span class=\"S9B6 SA7 S2\" id=\"tm_31\">The Group as a lessor recognizes finance income over the lease term, based on a pattern reflecting a constant </span><span class=\"S9B7 S5B9 S2\" id=\"tn_31\">periodic rate of return on the Group\u2019s net investment in the lease. The Group applies the lease payments relating </span><span class=\"S9B8 SA7 S2\" id=\"to_31\">to the period against the gross investment in the lease to reduce both the principal and the unearned finance income. </span><span class=\"S9B9 SA7 S2\" id=\"tp_31\">The Group applies the derecognition and impairment requirements in IFRS 9 to the net investment in the lease (for </span><span class=\"S9BA SA7 S2\" id=\"tq_31\">more details, see Note 2.14.). </span><span class=\"S9BB SB S2\" id=\"tr_31\">Operating leases </span><span class=\"S9BC SA7 S2\" id=\"ts_31\">The Group as a lessor recognizes lease payments from operating leases as income on either a straight-line basis or </span><span class=\"S9BD SA7 S2\" id=\"tt_31\">another systematic basis. </span><span class=\"S9BE SA7 S2\" id=\"tu_31\">Costs, including depreciation, incurred in earning the lease income are recognized as an </span><span class=\"S9BF SA7 S2\" id=\"tv_31\">expense. </span><span class=\"S9C0 SA7 S2\" id=\"tw_31\">Initial direct costs incurred in obtaining an operating lease are added to the carrying amount of the underlying asset </span><span class=\"S9C1 SA7 S2\" id=\"tx_31\">and recognized as an expense over the lease term on the same basis as the lease income. </span><span class=\"S9C2 S5B9 S2\" id=\"ty_31\">The depreciation policy for depreciable underlying assets subject to operating leases is consistent with the Group\u2019s </span><span class=\"S9C3 SA7 S2\" id=\"tz_31\">normal depreciation policy for similar assets. The Group accounts for a modification to an operating lease as a </span><span class=\"S9C4 SA7 S2\" id=\"t10_31\">new lease from the effective date of the modification, considering any prepaid or accrued lease payments relating </span><span class=\"S9C5 SA7 S2\" id=\"t11_31\">to the original lease as part of the lease payments for the new lease. </span><span class=\"S9C6 SB S2\" id=\"t12_31\">The Group as a  lessee </span><span class=\"S9C7 SA7 S2\" id=\"t13_31\">The Group recognizes a right-of-use asset and a lease liability at the commencement of the lease term except for </span><span class=\"S9C8 SA7 S2\" id=\"t14_31\">short-term leases and leases, where the underlying asset is of low value (less than USD 5,000). For these leases, </span><span class=\"S9C9 SA7 S2\" id=\"t15_31\">the Group recognizes the lease payments as an expense on either a straight-line basis over the lease term or another </span><span class=\"S9CA S5B9 S2\" id=\"t16_31\">systematic basis if that basis is more representative of the pattern of the lessee\u2019s benefit. </span><span class=\"S9CB SA7 S2\" id=\"t17_31\">Deferred tax implication if the Group is lessee: At the inception of the lease, there is no net lease asset or liability, </span><span class=\"S9CC SA7 S2\" id=\"t18_31\">no tax base and, therefore, no temporary difference. Subsequently, as depreciation on the right-of-use asset initially </span><span class=\"S9CD SA7 S2\" id=\"t19_31\">exceeds the rate at which the debt reduces, a net liability arises resulting in a deductible temporary difference on </span><span class=\"S9CE SA7 S2\" id=\"t1a_31\">which a deferred tax asset should be recognized if recoverable. Assuming that the lease liability is not repaid in </span><span class=\"S9CF SA7 S2\" id=\"t1b_31\">advance, the total discounted cash outflows should equal the total rental payments deductible for income tax </span><span class=\"S9D0 SA7 S2\" id=\"t1c_31\">purposes. </span><span class=\"S9D1 SB S2\" id=\"t5_32\">2.21.  Leases [continued] </span><span class=\"S7A5 SB S2\" id=\"t6_32\">Right-of-use asset </span><span class=\"S9D2 SA7 S2\" id=\"t7_32\">The right-of-use assets are presented separately in the Consolidated Statement of Financial Position and initially </span><span class=\"S9D3 SA7 S2\" id=\"t8_32\">measured at cost, subsequently the Group applies the cost model and these assets are depreciated on a straight line </span><span class=\"S9D4 SA7 S2\" id=\"t9_32\">basis from the commencement date to the earlier of the end of the useful life of the right-of-use asset or the end of </span><span class=\"S9D5 SA7 S2\" id=\"ta_32\">the lease term. If the lease transfers ownership of the underlying asset to the Group by the end of the lease term or </span><span class=\"S9D6 SA7 S2\" id=\"tb_32\">if the cost of the right-of-use asset reflects that the Group will exercise a purchase option, the right-of-use asset </span><span class=\"S5C3 SA7 S2\" id=\"tc_32\">are depreciated from the commencement date to the end of the useful life of the underlying asset. </span><span class=\"S9D7 SB S2\" id=\"td_32\">Lease liability </span><span class=\"S9D8 SA7 S2\" id=\"te_32\">At the commencement date, the lease liability is measured at the present value of the lease payments that are not </span><span class=\"S9D9 SA7 S2\" id=\"tf_32\">paid at that date discounted by using the rate implicit in the lease, or if this cannot be determined, by using the </span><span class=\"S9DA SA7 S2\" id=\"tg_32\">incremental borrowing rate of the Group.Variable lease payments that do not depend on an index or a rate but e.g. </span><span class=\"S9DB SA7 S2\" id=\"th_32\">on revenues or usage are recognized as an expense. The Group always separates the non-lease components of the </span><span class=\"S9DC SA7 S2\" id=\"ti_32\">lease contracts and accounts them as an expense. Lease payments must be included in the measurement of the </span><span class=\"S9DD SA7 S2\" id=\"tj_32\">lease liability without value added taxes. Non-deductible VAT is recognized as other expense. </span><span class=\"S9DE SA7 S2\" id=\"tk_32\">The lease liability is remeasured in the event of a reassessment of the lease liability or lease modification </span><span class=\"S9DF SB S2\" id=\"tl_32\">2.22. Investment properties </span><span class=\"S9E0 SA7 S2\" id=\"tm_32\">Investment properties of the Group are land, buildings, part of buildings which held (as the owner or as the lessee </span><span class=\"S9E1 SA7 S2\" id=\"tn_32\">under a finance lease) to earn rentals or for capital appreciation or both, rather than for use in the production or </span><span class=\"S9E2 SA7 S2\" id=\"to_32\">supply of services or for administrative purposes or sale in the ordinary course of business. The Group measures </span><span class=\"S9E3 SA7 S2\" id=\"tp_32\">the investment properties at cost less accumulated depreciation and impairment, if any. </span><span class=\"S9E4 SA7 S2\" id=\"tq_32\">The depreciable amount (book value less residual value) of the investment properties must be allocated over their </span><span class=\"S9E5 SA7 S2\" id=\"tr_32\">useful lives. The depreciation and amortization are computed using the straight-line method over the estimated </span><span class=\"S9E6 SA7 S2\" id=\"ts_32\">useful lives of the assets. </span><span class=\"S9E7 SA7 S2\" id=\"tt_32\">The Group discloses the fair value of the investment properties in Note 14 established mainly by external experts. </span><span class=\"S9E8 SB S2\" id=\"tu_32\">2.23. Share capital </span><span class=\"S9E9 SA7 S2\" id=\"tv_32\">Share capital is the capital determined in the Articles of Association and registered by the Budapest-Capital </span><span class=\"S9EA SA7 S2\" id=\"tw_32\">Regional Court. Share capital is the capital the Bank raised by issuing common stocks at the date the shares were </span><span class=\"S9EB SA7 S2\" id=\"tx_32\">issued. The amount of share capital has not changed over the current period. </span><span class=\"S9EC SB S2\" id=\"ty_32\">2.24. Treasury shares </span><span class=\"S9ED SA7 S2\" id=\"tz_32\">Treasury shares are shares which are purchased on the stock exchange and the over-the-counter market by the </span><span class=\"S9EE SA7 S2\" id=\"t10_32\">Bank and its subsidiaries and are presented in the Consolidated Statement of Financial Position at cost as a </span><span class=\"S9EF SA7 S2\" id=\"t11_32\">ded</span><span class=\"S9F0 S5B9 S2\" id=\"t12_32\">uction from Consolidated Shareholders\u2019 Equity. </span><span class=\"S9F1 S5B9 S2\" id=\"t13_32\">Gains and losses on the sale of treasury shares are credited or charged directly to shareholder\u2019s equity. </span><span class=\"S7D9 SB S2\" id=\"t5_33\">2.25. </span><span class=\"S9F2 SB S2\" id=\"t6_33\">Non-current assets held-for-sale and discontinued operations </span><span class=\"S9F3 SA7 S2\" id=\"t7_33\">A discontinued operation is a component of an entity that either has been disposed of or is classified as held-for- </span><span class=\"S9F4 SA7 S2\" id=\"t8_33\">sale. Hereinafter non-current assets classified as held-for-sale, disposal group and discontinued operations are </span><span class=\"S7A6 SA7 S2\" id=\"t9_33\">referred to as assets in accordance with IFRS 5. </span><span class=\"S9F5 SA7 S2\" id=\"ta_33\">The Group classifies assets under IFRS 5 if their carrying amount will be recovered principally through a sale </span><span class=\"S9F6 SA7 S2\" id=\"tb_33\">transaction rather than through continuing use. The Group does not account for an asset under IFRS 5 that has </span><span class=\"S9F7 SA7 S2\" id=\"tc_33\">been temporarily taken out of use as if it had been abandoned. </span><span class=\"S9F8 SA7 S2\" id=\"td_33\">The Group measures an asset under IFRS 5 at the lower of its carrying amount and fair value less costs to sell. </span><span class=\"S9F9 SA7 S2\" id=\"te_33\">When the sale is expected to occur beyond one year, the Group measures the costs to sell at their present value. </span><span class=\"S9FA SA7 S2\" id=\"tf_33\">Any increase in the present value of the costs to sell that arises from the passage of time shall be presented in profit </span><span class=\"S9FB SA7 S2\" id=\"tg_33\">or loss. Immediately before the initial classification of the asset under IFRS 5, the carrying amounts of the asset </span><span class=\"S9FC SA7 S2\" id=\"th_33\">(or all the assets and liabilities in the group) are measured in accordance with applicable IFRS. </span><span class=\"S9FD SA7 S2\" id=\"ti_33\">The Group does not depreciate (or amortize) an asset under IFRS 5 while it is classified as asset in accordance </span><span class=\"S9FE SA7 S2\" id=\"tj_33\">with IFRS 5. Interest and other expenses attributable to the liabilities of the asset under IFRS 5 shall continue to </span><span class=\"S9FF SA7 S2\" id=\"tk_33\">be recognized. </span><span class=\"SA00 SA7 S2\" id=\"tl_33\">If the Group has classified an asset under IFRS 5, but the criteria for that are no longer met, the Group ceases to </span><span class=\"SA01 SA7 S2\" id=\"tm_33\">classify the asset under IFRS 5. The Group measures these assets which cease to be classified as asset under IFRS </span><span class=\"SA02 SA7 S2\" id=\"tn_33\">5 at the lower of: </span><span class=\"SA03 SA7 S2\" id=\"to_33\">- its carrying amount before the asset was classified as asset under IFRS 5, adjusted for any depreciation, </span><span class=\"SA04 SA7 S2\" id=\"tp_33\">amortisation or revaluations that would have been recognized had the asset not been classified as asset under </span><span class=\"SA05 SA7 S2\" id=\"tq_33\">IFRS 5, and </span><span class=\"SA06 SA7 S2\" id=\"tr_33\">- its recoverable amount at the date of the subsequent decision not to sell. </span><span class=\"SA07 SA7 S2\" id=\"ts_33\">The Group presents an asset classified as asset under IFRS 5 separately from other assets in the Consolidated </span><span class=\"SA08 SA7 S2\" id=\"tt_33\">Statement of Financial Position. The liabilities of the asset under IFRS 5 are presented separately from other </span><span class=\"SA09 SA7 S2\" id=\"tu_33\">liabilities in the Consolidated Statement of Financial Position. Those assets and liabilities shall not be offset and </span><span class=\"SA0A SA7 S2\" id=\"tv_33\">presented as a single amount. The major classes of assets and liabilities classified as held for sale or discontinued </span><span class=\"SA0B SA7 S2\" id=\"tw_33\">operations are separately disclosed in the Notes. </span><span class=\"SA0C SA7 S2\" id=\"tx_33\">The Group presents separately any cumulative income or expense recognized in other comprehensive income </span><span class=\"SA0D SA7 S2\" id=\"ty_33\">relating to a non-current asset (or disposal group) classified as held for sale. Results from discontinued operations </span><span class=\"SA0E SA7 S2\" id=\"tz_33\">are reported separately in the Consolidated Statement of Profit or Loss as result from discontinued operations. </span><span class=\"SA0F SB S2\" id=\"t10_33\">2.26. </span><span class=\"SA10 SB S2\" id=\"t11_33\">Interest income and income similar to interest income and interest expense </span><span class=\"SA11 SA7 S2\" id=\"t12_33\">Interest income and expense are recognized in profit or loss in the period to which they relate, using the effective </span><span class=\"SA12 SA7 S2\" id=\"t13_33\">interest rate method. </span><span class=\"SA13 SA7 S2\" id=\"t14_33\">For exposures categorized into Stage 1 and Stage 2 the interest income is recognized on a gross basis. For </span><span class=\"SA14 SA7 S2\" id=\"t15_33\">exposures categorized into Stage 3 (using effective interest rate) and for POCI (using credit-adjusted effective </span><span class=\"SA15 SA7 S2\" id=\"t16_33\">interest rate) the interest income is recognized on a net basis. </span><span class=\"SA16 SA7 S2\" id=\"t17_33\">The time-proportional income similar to interest income of derivative financial instruments is calculated without </span><span class=\"SA17 SA7 S2\" id=\"t18_33\">using the effective interest method and the positive fair value adjustment of interest rate swaps are included in </span><span class=\"SA18 SA7 S2\" id=\"t19_33\">income similar to interest income. </span><span class=\"SA19 SA7 S2\" id=\"t1a_33\">Interest income of loans at fair value through profit or loss is calculated based on interest fixed in the contract and </span><span class=\"SA1A S5B9 S2\" id=\"t1b_33\">presented in \u201cIncome similar to interest income\u201d line. </span><span class=\"SA1B SA7 S2\" id=\"t1c_33\">Interest from loans and deposits are accrued on a daily basis. Interest income and expense include certain </span><span class=\"SA1C SA7 S2\" id=\"t1d_33\">transaction costs and the amortisation of any discount or premium between the initial carrying amount of an </span><span class=\"SA1D SA7 S2\" id=\"t1e_33\">interest-bearing instrument and its amount at maturity calculated on an effective interest rate basis. </span><span class=\"SA1E SA7 S2\" id=\"t1f_33\">All interest income and expense recognized are arising from loans, placements with other banks, repo receivables, </span><span class=\"SA1F SA7 S2\" id=\"t1g_33\">securities at fair value through other comprehensive income, securities at amortized cost and amounts due to banks, </span><span class=\"SA20 SA7 S2\" id=\"t1h_33\">repo liabilities, deposits from customers, liabilities from issued securities, subordinated bonds and loans are </span><span class=\"SA21 SA7 S2\" id=\"t1i_33\">presented under these lines of Consolidated Financial Statements. </span><span class=\"S7D9 SB S2\" id=\"t5_34\">2.27. </span><span class=\"S7A4 SB S2\" id=\"t6_34\">Fees and Commissions </span><span class=\"SA22 SA7 S2\" id=\"t7_34\">Fees and commissions that are not involved in the amortized cost model are recognized in the Consolidated </span><span class=\"SA23 SA7 S2\" id=\"t8_34\">Statement of Profit or Loss on an accrual basis according to IFRS 15 Revenue from contracts with customers (see </span><span class=\"SA24 SA7 S2\" id=\"t9_34\">more details in Note 32). These fees are related to deposits, cash withdrawals, security trading, bank card etc. </span><span class=\"SA25 SA7 S2\" id=\"ta_34\">The Group recognizes income if performance obligations related to the certain goods or services are satisfied, </span><span class=\"SA26 SA7 S2\" id=\"tb_34\">performed, and control over the asset is transferred to the customer, and it is probable that consideration payable </span><span class=\"SA27 SA7 S2\" id=\"tc_34\">will probably flow to the entity. In case of those services, where the Group transfers control over the asset </span><span class=\"S5C3 SA7 S2\" id=\"td_34\">continuously, income is recognised on accrual basis. </span><span class=\"SA28 SA7 S2\" id=\"te_34\">The Group provides foreign exchange trading services to its customers, the profit margin achieved on these </span><span class=\"SA29 SA7 S2\" id=\"tf_34\">transactions is presented as Net profit from fees and commissions in the Consolidated Statement of Profit or Loss. </span><span class=\"SA2A SB S2\" id=\"tg_34\">2.28. </span><span class=\"SA2B SB S2\" id=\"th_34\">Profit from associates </span><span class=\"SA2C SA7 S2\" id=\"ti_34\">Profit from associates refers to any distribution of an entity earnings to shareholders from stocks or mutual funds </span><span class=\"SA2D SA7 S2\" id=\"tj_34\">that is owned by the Group. The Group recognizes profit from associates in the Consolidated Financial Statements </span><span class=\"SA2E SA7 S2\" id=\"tk_34\">when its right to receive payment is established. </span><span class=\"SA2F SB S2\" id=\"tl_34\">2.29. Income tax </span><span class=\"SA30 SA7 S2\" id=\"tm_34\">The Group considers corporate income tax as current tax according to IAS 12. The Group also considers local </span><span class=\"SA31 SA7 S2\" id=\"tn_34\">business tax and the innovation contribution as income tax in Hungary. </span><span class=\"SA32 SA7 S2\" id=\"to_34\">The annual taxation charge is based on the tax payable under fiscal regulations prevailing in the country where the </span><span class=\"SA33 SA7 S2\" id=\"tp_34\">company is incorporated, adjusted for deferred taxation. Deferred taxation is accounted for using the balance sheet </span><span class=\"SA34 SA7 S2\" id=\"tq_34\">liability method in respect of temporary differences between the tax bases of assets and liabilities and their carrying </span><span class=\"SA35 SA7 S2\" id=\"tr_34\">value for financial reporting purposes, measured at the tax rates that apply to the future period when the asset is </span><span class=\"SA36 SA7 S2\" id=\"ts_34\">expected to be realized or the liability is settled. </span><span class=\"SA37 SA7 S2\" id=\"tt_34\">Current tax asset or current tax liability is presented related to income tax and innovation contribution separately </span><span class=\"SA38 SA7 S2\" id=\"tu_34\">in the Consolidated Statement of Financial Position. </span><span class=\"SA39 SA7 S2\" id=\"tv_34\">Deferred tax assets are recognized by the Group for the amounts of income taxes that are recoverable in future </span><span class=\"SA3A SA7 S2\" id=\"tw_34\">periods in respect of deductible temporary differences as well as the carryforward of unused tax losses and the </span><span class=\"SA3B SA7 S2\" id=\"tx_34\">carryforward of unused tax credits. </span><span class=\"SA3C SA7 S2\" id=\"ty_34\">The Group recognizes a deferred tax asset for all deductible temporary differences arising from investments in </span><span class=\"SA3D SA7 S2\" id=\"tz_34\">subsidiaries, branches and associates, and interests in joint arrangements, to the extent that, and only to the extent </span><span class=\"SA3E SA7 S2\" id=\"t10_34\">that, it is probable that: </span><span class=\"SA3F SA7 S2\" id=\"t11_34\">- the temporary difference will reverse in the foreseeable future; and </span><span class=\"SA40 SA7 S2\" id=\"t12_34\">- taxable profit will be available against which the temporary difference can be utilised. </span><span class=\"SA41 SA7 S2\" id=\"t13_34\">The Group considers the availability of qualifying taxable temporary differences and the probability of other future </span><span class=\"S9F1 SA7 S2\" id=\"t14_34\">taxable profits to determine whether future taxable profits will be available according to IAS 12. </span><span class=\"SA42 SA7 S2\" id=\"t15_34\">The Group recognizes a deferred tax liability for all taxable temporary differences associated with investments in </span><span class=\"SA43 SA7 S2\" id=\"t16_34\">subsidiaries, branches and associates, and interests in joint arrangements, except to the extent that both of the </span><span class=\"S76B SA7 S2\" id=\"t17_34\">following conditions are satisfied: </span><span class=\"SA44 SA7 S2\" id=\"t18_34\">- </span><span class=\"SA45 SA7 S2\" id=\"t19_34\">the Bank is able to control the timing of the reversal of the temporary difference, and </span><span class=\"SA46 SA7 S2\" id=\"t1a_34\">- </span><span class=\"SA47 SA7 S2\" id=\"t1b_34\">it is probable that the temporary difference will not reverse in the foreseeable future. </span><span class=\"SA1D SA7 S2\" id=\"t1c_34\">The Group only offsets its deferred tax liabilities against deferred tax assets when: </span><span class=\"SA48 SA7 S2\" id=\"t1d_34\">- </span><span class=\"SA49 SA7 S2\" id=\"t1e_34\">there is a legally enforceable right to set-off current tax liabilities against current tax assets, and </span><span class=\"SA4A SA7 S2\" id=\"t1f_34\">- </span><span class=\"SA4B SA7 S2\" id=\"t1g_34\">the taxes are levied by the same taxation authorities on either </span><span class=\"SA4C S602 S2\" id=\"t1h_34\">\u2022 </span><span class=\"SA4D SA7 S2\" id=\"t1i_34\">the same taxable entity or </span><span class=\"SA4E S602 S2\" id=\"t1j_34\">\u2022 </span><span class=\"SA4F SA7 S2\" id=\"t1k_34\">different taxable entities which intend to settle current tax liabilities and assets on a net basis. </span><span class=\"SA50 SB S2\" id=\"t5_35\">2.30. Banking tax </span><span class=\"SA51 SA7 S2\" id=\"t6_35\">The Bank and some of its subsidiaries are obliged to pay banking tax based on Act LIX of 2006. As the calculation </span><span class=\"SA52 SA7 S2\" id=\"t7_35\">is not based on the taxable profit but on the adjusted total assets as reported in the Separate Financial Statements </span><span class=\"SA53 SA7 S2\" id=\"t8_35\">of the Bank and its entities for the second period preceding the current tax year, therefore, the banking tax is </span><span class=\"SA54 SA7 S2\" id=\"t9_35\">considered as another administrative expense, not as income tax. Pursuant to Government Decree No. 197/2022 </span><span class=\"SA55 SA7 S2\" id=\"ta_35\">published on 4 June 2022, the Hungarian Government decided to impose a windfall tax on credit institutions and </span><span class=\"SA56 SA7 S2\" id=\"tb_35\">financial enterprises temporarily, that is for 2022 and 2023. As for 2022, the base of the windfall tax is the net </span><span class=\"SA57 SA7 S2\" id=\"tc_35\">revenues based on the 2021 financial statements, calculated according to local tax law, whereas the tax rate is 10%. </span><span class=\"SA58 SB S2\" id=\"td_35\">2.31. </span><span class=\"SA59 SB S2\" id=\"te_35\">Off-balance sheet commitments and contingent liabilities </span><span class=\"SA5A SA7 S2\" id=\"tf_35\">In the ordinary course of its business, the Group enters into off-balance sheet commitments such as guarantees, </span><span class=\"SA5B SA7 S2\" id=\"tg_35\">letters of credit, commitments to extend credit and transactions with financial instruments. The provision for off- </span><span class=\"SA5C SA7 S2\" id=\"th_35\">balance sheet commitments and contingent liabilities is maintained at a level adequate to absorb future cash </span><span class=\"SA5D SA7 S2\" id=\"ti_35\">outflows which are probable and relate to present obligations. </span><span class=\"SA5E SA7 S2\" id=\"tj_35\">In the case of commitments and contingent liabilities, the Management determines the adequacy of the loss </span><span class=\"SA5F SA7 S2\" id=\"tk_35\">allowance based upon reviews of individual items, recent loss experience, current economic conditions, the risk </span><span class=\"SA60 SA7 S2\" id=\"tl_35\">characteristics of the various categories of transactions and other pertinent factors. The Group recognizes provision </span><span class=\"SA61 SA7 S2\" id=\"tm_35\">for off-balance sheet commitment and contingent liabilities in accordance with IAS 37 when it has a present </span><span class=\"SA62 SA7 S2\" id=\"tn_35\">obligation as a result of a past event; it is probable that an outflow of resources embodying economic benefits will </span><span class=\"SA63 SA7 S2\" id=\"to_35\">be required to settle the obligation; and a reliable estimate can be made of the obligation. For financial guarantees </span><span class=\"SA64 SA7 S2\" id=\"tp_35\">and loan commitments given which are under IFRS 9 the expected credit loss model is applied when the provision </span><span class=\"SA65 SA7 S2\" id=\"tq_35\">is calculated (see more details in Note 2.14.). After initial recognition the Group subsequently measures those </span><span class=\"SA66 SA7 S2\" id=\"tr_35\">contracts at a higher of the amount of the loss allowance or of the amount initially recognised less the cumulative </span><span class=\"SA67 SA7 S2\" id=\"ts_35\">amount of income recognized in accordance with IFRS 15. </span><span class=\"SA68 SB S2\" id=\"tt_35\">2.32. Share-based payment </span><span class=\"SA69 SA7 S2\" id=\"tu_35\">The Group has applied the requirements of IFRS 2 Share-based Payment. </span><span class=\"SA6A SA7 S2\" id=\"tv_35\">The Group issues equity-settled share-based payment to certain employees. Equity-settled share-based payment is </span><span class=\"SA6B SA7 S2\" id=\"tw_35\">measured at fair value at the grant date. The fair value determined at the grant date of the equity-settled share- </span><span class=\"SA6C SA7 S2\" id=\"tx_35\">based payment is expensed on a straight-</span><span class=\"SA6D S5B9 S2\" id=\"ty_35\">line basis over the year, based on the Group\u2019s estimate of shares that will </span><span class=\"SA6E SA7 S2\" id=\"tz_35\">eventually vest. Share-based payment is recorded in Consolidated Statement of Profit or Loss as Personnel </span><span class=\"SA6F SA7 S2\" id=\"t10_35\">expenses. </span><span class=\"SA70 SA7 S2\" id=\"t11_35\">Fair value is measured by use of a binomial model. The expected life used in the model has been adjusted, based </span><span class=\"SA71 S5B9 S2\" id=\"t12_35\">on Management\u2019s best estimate, for the effects of non</span><span class=\"SA72 SA7 S2\" id=\"t13_35\">-transferability, exercise restrictions, and behavioural </span><span class=\"SA73 SA7 S2\" id=\"t14_35\">considerations. </span><span class=\"SA74 SB S2\" id=\"t15_35\">2.33. Employee benefits </span><span class=\"SA75 SA7 S2\" id=\"t16_35\">The Group has applied the requirement of IAS 19 Employee Benefits. These benefits are recognised as an expense </span><span class=\"SA76 SA7 S2\" id=\"t17_35\">and liability undiscounted in the Consolidated Financial Statements. Liabilities are regularly remeasured. Gains or </span><span class=\"SA77 SA7 S2\" id=\"t18_35\">losses due to the remeasurement are recognised in the Consolidated Statement of Profit or Loss. </span><span class=\"SA78 SA7 S2\" id=\"t19_35\">Short-term employee benefits are employee benefits (other than termination benefits) that are expected to be settled </span><span class=\"SA79 SA7 S2\" id=\"t1a_35\">wholly before twelve months after the end of the annual reporting period in which the employees render the related </span><span class=\"S99F SA7 S2\" id=\"t1b_35\">service. These can be wages, salaries and bonuses, premium, paid annual leave and paid sick leave and other free </span><span class=\"SA1D SA7 S2\" id=\"t1c_35\">services (health care, reward holiday). Long-term employee benefits are mostly the jubilee reward. </span><span class=\"SA7A SA7 S2\" id=\"t1d_35\">Post-employment benefits are employee benefits (other than termination and short-term employee benefits) that </span><span class=\"SA7B SA7 S2\" id=\"t1e_35\">are payable after the completion of employment. Post-employment benefit plans are formal or informal </span><span class=\"SA7C SA7 S2\" id=\"t1f_35\">arrangements under which an entity provides post-employment benefits for one or more employees. Post- </span><span class=\"SA7D SA7 S2\" id=\"t1g_35\">employment benefit plans are classified as either defined contribution plans or defined benefit plans, depending </span><span class=\"SA7E SA7 S2\" id=\"t1h_35\">on the economic substance of the plan as derived from its principal terms and conditions. </span><span class=\"SA7F SB S2\" id=\"t5_36\">2.33.  Employee benefits [continued] </span><span class=\"SA80 S5B9 S2\" id=\"t6_36\">Defined benefit plan is post\u2011employment benefit plans other than defined contribution plan. The Group's net </span><span class=\"SA81 SA7 S2\" id=\"t7_36\">obligation is calculated by estimating the amount of employee's future benefit based on their services for the </span><span class=\"SA82 SA7 S2\" id=\"t8_36\">current and prior periods. The future value of benefit is being discounted to present value. </span><span class=\"SA83 S5B9 S2\" id=\"t9_36\">Termination benefits are employee benefits provided in exchange for the termination of an employee\u2019s </span><span class=\"SA84 S5B9 S2\" id=\"ta_36\">employment as a result of either: an entity\u2019s decision to terminate an employee\u2019s employment before the normal </span><span class=\"SA85 S5B9 S2\" id=\"tb_36\">retirement date or an employee\u2019s decision to accept an offer of benefits in exchange for the termination of </span><span class=\"SA86 SA7 S2\" id=\"tc_36\">employment. Other long-term employee benefits are all employee benefits other than short-term employee </span><span class=\"SA87 SA7 S2\" id=\"td_36\">benefits, postemployment benefits and termination benefits. </span><span class=\"SA88 SB S2\" id=\"te_36\">2.34. </span><span class=\"SA89 SB S2\" id=\"tf_36\">Biological assets and agricultural produce </span><span class=\"SA8A SA7 S2\" id=\"tg_36\">The Group recognises a biological asset or agricultural produce according to IAS 41 only when it controls the asset </span><span class=\"SA8B SA7 S2\" id=\"th_36\">as a result of past events, it is probable that future economic benefits will flow and the fair value or the cost can </span><span class=\"SA8C SA7 S2\" id=\"ti_36\">be measured reliably. </span><span class=\"SA8D SA7 S2\" id=\"tj_36\">Biological assets are measured on initial recognition and at subsequent periods at fair value less estimated costs to </span><span class=\"SA8E SA7 S2\" id=\"tk_36\">sell unless fair value cannot be reliably measured. </span><span class=\"SA8F SA7 S2\" id=\"tl_36\">Agricultural produce is measured at fair value less estimated costs to sell at the point of harvest. </span><span class=\"SA90 SA7 S2\" id=\"tm_36\">The gain on initial recognition of biological assets at fair value less costs to sell, and changes in fair value less </span><span class=\"SA91 SA7 S2\" id=\"tn_36\">costs to sell of biological assets during a period are included in profit or loss for the period in which it arises as </span><span class=\"SA92 SA7 S2\" id=\"to_36\">other operating income. </span><span class=\"SA93 SB S2\" id=\"tp_36\">2.35. </span><span class=\"SA94 SB S2\" id=\"tq_36\">Consolidated Statement of Cash-flows </span><span class=\"SA95 SA7 S2\" id=\"tr_36\">Cash flows arising from the operating, investing or financing activities are reported in the Statement of Cash- </span><span class=\"SA96 SA7 S2\" id=\"ts_36\">Flows of the Group primarily on a gross basis. Net basis reporting are applied by the Group in the following cases: </span><span class=\"SA97 SA7 S2\" id=\"tt_36\">- </span><span class=\"SA98 SA7 S2\" id=\"tu_36\">when the cash flows reflect the activities of the customer rather than those of the Group, and </span><span class=\"SA99 SA7 S2\" id=\"tv_36\">- </span><span class=\"SA9A SA7 S2\" id=\"tw_36\">for items in which the turnover is quick, the amounts are large, and the maturities are short. </span><span class=\"SA9B SA7 S2\" id=\"tx_36\">For the purposes of reporting Consolidated Statement of Cash-flows, cash and cash equivalents include cash, due </span><span class=\"SA9C SA7 S2\" id=\"ty_36\">from banks and balances with the National Banks, excluding the compulsory reserve established by the National </span><span class=\"SA9D SA7 S2\" id=\"tz_36\">Banks. This line item shows balances of HUF and foreign currency cash amounts, and sight deposit from NBH </span><span class=\"SA9E SA7 S2\" id=\"t10_36\">and from other banks, furthermore, balances of current accounts. </span><span class=\"SA9F SA7 S2\" id=\"t11_36\">Consolidated cash-flows from hedging activities are classified in the same category as the item being hedged. The </span><span class=\"SAA0 SA7 S2\" id=\"t12_36\">unrealized gains and losses from the translation of monetary items to the closing foreign exchange rates and </span><span class=\"SAA1 SA7 S2\" id=\"t13_36\">unrealized gains and losses from derivative financial instruments are presented net as operating activity separately </span><span class=\"SAA2 SA7 S2\" id=\"t14_36\">in the Consolidated Statement of Cash-flows for the monetary items which have been revaluated. </span><span class=\"SAA3 SB S2\" id=\"t15_36\">2.36. Segment reporting </span><span class=\"SAA4 SA7 S2\" id=\"t16_36\">IFRS 8 Operating Segments requires operating segments to be identified on the basis of internal reports about </span><span class=\"SAA5 SA7 S2\" id=\"t17_36\">components of the Group that are regularly reviewed by the chief operating decision maker in order to allocate </span><span class=\"SAA6 SA7 S2\" id=\"t18_36\">resources to the segments and to assess their performance. </span><span class=\"SAA7 SA7 S2\" id=\"t19_36\">Based on the above, the segments identified by the Group are the business and geographical segments. </span><span class=\"SAA8 S5B9 S2\" id=\"t1a_36\">The Group\u2019s operating segments under IFRS 8 are therefore as follows: OTP Core Hungary, Russia, Ukraine, </span><span class=\"SAA9 SA7 S2\" id=\"t1b_36\">Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Merkantil Group, Asset </span><span class=\"SA1A SA7 S2\" id=\"t1c_36\">Management subsidiaries, Other subsidiaries, Corporate Center. </span><span class=\"SAAA SB S2\" id=\"t1d_36\">2.37. Comparative balances </span><span class=\"SAAB SA7 S2\" id=\"t1e_36\">These Consolidated Financial Statements are prepared in accordance with the same accounting policies in all </span><span class=\"SAAC SA7 S2\" id=\"t1f_36\">respects as the Consolidated Financial Statements prepared in accordance with IFRS as adopted by the European </span><span class=\"S9A2 SA7 S2\" id=\"t1g_36\">Union for the year ended 31 December 2021. </span><span class=\"SAAF SA7 S2\" id=\"t6_37\">The presentation of financial statements in conformity with IFRS as adopted by EU requires the Management of </span><span class=\"SAB0 SA7 S2\" id=\"t7_37\">the Group to make judgement about estimates and assumptions that affect the reported amounts of assets and </span><span class=\"SAB1 SA7 S2\" id=\"t8_37\">liabilities and the disclosure of contingent assets and liabilities as at the date of the financial statements and their </span><span class=\"SAB2 SA7 S2\" id=\"t9_37\">reported amounts of revenues and expenses during the reporting period. The estimates and associated assumptions </span><span class=\"SAB3 SA7 S2\" id=\"ta_37\">are based on the expected loss and other factors that are considered to be relevant. The estimates and underlying </span><span class=\"SAB4 SA7 S2\" id=\"tb_37\">assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognized in the period. </span><span class=\"S9F7 SA7 S2\" id=\"tc_37\">Actual results could differ from those estimates. Significant areas of subjective judgement include: </span><span class=\"SAB5 SB S2\" id=\"td_37\">3.1. </span><span class=\"SAB6 SB S2\" id=\"te_37\">Loss allowances on financial instruments exposed to credit risk </span><span class=\"SAB7 SA7 S2\" id=\"tf_37\">The Group regularly assesses its financial instruments portfolio for loss allowance. Management determines the </span><span class=\"SAB8 SA7 S2\" id=\"tg_37\">adequacy of the loss allowances based upon reviews of individual loans and placements, recent loss experience, </span><span class=\"SAB9 SA7 S2\" id=\"th_37\">current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. </span><span class=\"SABA SA7 S2\" id=\"ti_37\">The use of the three-stage model was implemented for IFRS 9 purposes. The impairment methodology is used to </span><span class=\"SABB SA7 S2\" id=\"tj_37\">classify financial instruments in order to determine whether credit risk has significantly increased since initial </span><span class=\"SABC SA7 S2\" id=\"tk_37\">recognition and to identify the credit-impaired assets. For instruments with credit-impairment or significant </span><span class=\"SABD SA7 S2\" id=\"tl_37\">increase of credit risk lifetime expected losses are recognized (see more details in Note 37.1.) </span><span class=\"SABE SB S2\" id=\"tm_37\">3.2. </span><span class=\"SABF SB S2\" id=\"tn_37\">Valuation of instruments without direct quotations </span><span class=\"SAC0 SA7 S2\" id=\"to_37\">Financial instruments without direct quotations in an active market are valued using the valuation model technique. </span><span class=\"SAC1 SA7 S2\" id=\"tp_37\">The models are regularly reviewed and each model is calibrated for the most recent available market data. While </span><span class=\"SAC2 SA7 S2\" id=\"tq_37\">the models are built only on available data, their use is subject to certain assumptions and estimates (e.g. </span><span class=\"SAC3 SA7 S2\" id=\"tr_37\">correlations, volatilities, etc.). Changes in the model assumptions may affect the reported fair value of the relevant </span><span class=\"SAC4 SA7 S2\" id=\"ts_37\">financial instruments. </span><span class=\"SAC5 SA7 S2\" id=\"tt_37\">IFRS 13 Fair Value Measurement seeks to increase the consistency and comparability in fair value measurements </span><span class=\"SAC6 SA7 S2\" id=\"tu_37\">and related disclosures through a 'fair value hierarchy'. The hierarchy categorises the inputs used in valuation </span><span class=\"SAC7 SA7 S2\" id=\"tv_37\">techniques into three levels. The hierarchy gives the highest priority to (unadjusted) quoted prices in active markets </span><span class=\"SAC8 SA7 S2\" id=\"tw_37\">for identical assets or liabilities and the lowest priority to unobservable inputs. The Group evaluates the levelling </span><span class=\"SA69 SA7 S2\" id=\"tx_37\">at each reporting period on an instrument-by-instrument basis and reclassifies instruments when necessary, based </span><span class=\"SAC9 SA7 S2\" id=\"ty_37\">on the facts at the beginning of the reporting period. The objective of a fair value measurement is to estimate the </span><span class=\"SACA SA7 S2\" id=\"tz_37\">price at which an orderly transaction to sell the asset or to transfer the liability would take place between market </span><span class=\"SACB SA7 S2\" id=\"t10_37\">participants at the measurement date under current market conditions. </span><span class=\"S703 SB S2\" id=\"t11_37\">3.3. </span><span class=\"SACC SB S2\" id=\"t12_37\">Provisions </span><span class=\"SACD SA7 S2\" id=\"t13_37\">Provision is recognized and measured for commitments to extend credit and for warranties arising from banking </span><span class=\"SACE SA7 S2\" id=\"t14_37\">activities based on IFRS 9 Financial Instruments. Provision for these instruments is recognized based on the credit </span><span class=\"SACF SA7 S2\" id=\"t15_37\">conversion factor, which shows the proportion of the undrawn credit line that will probably be drawn. </span><span class=\"SAD0 SA7 S2\" id=\"t16_37\">Other provisions are recognized and measured based on IAS 37 Provisions, Contingent Liabilities and Contingent </span><span class=\"SAD1 SA7 S2\" id=\"t17_37\">Assets. The Group is involved in a number of ongoing legal disputes. Based upon historical experience and expert </span><span class=\"SAD2 SA7 S2\" id=\"t18_37\">reports, the Group assesses the developments in these cases, and the likelihood and the amount of potential </span><span class=\"SAD3 SA7 S2\" id=\"t19_37\">financial losses which are appropriately provided for. (See Note 24.) </span><span class=\"SAD4 SA7 S2\" id=\"t1a_37\">Other provision includes provision for litigation, provision for retirement and expected liabilities and provision </span><span class=\"SA18 SA7 S2\" id=\"t1b_37\">for confirmed letter of credit. </span><span class=\"SAD5 SA7 S2\" id=\"t1c_37\">A provision is recognized by the Group when it has a present obligation as a result of a past event, it is probable </span><span class=\"SAD6 SA7 S2\" id=\"t1d_37\">that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable </span><span class=\"SAD7 SA7 S2\" id=\"t1e_37\">estimate can be made of the amount of the obligation. </span><span class=\"S5BC SB S2\" id=\"t6_38\">3.4. </span><span class=\"SAD9 SB S2\" id=\"t7_38\">Impairment on goodwill </span><span class=\"SADA SA7 S2\" id=\"t8_38\">Goodwill acquired in a business combination is tested for impairment annually or more frequently when there is </span><span class=\"S8F2 SA7 S2\" id=\"t9_38\">an indication that the unit might </span><span class=\"SADB S5B9 S2\" id=\"ta_38\">be impaired, in accordance with IAS 36 \u201cImpairment of assets\u201d. </span><span class=\"SADC SA7 S2\" id=\"tb_38\">The Group calculates the fair value based on discounted cash-flow model. The 3-year period explicit cash-flow </span><span class=\"SADD SA7 S2\" id=\"tc_38\">model serves as a basis for the impairment test by which the Group defines the impairment need on goodwill based </span><span class=\"SADE SA7 S2\" id=\"td_38\">on the strategic factors and financial data of its cash-generating units. In the calculation of the goodwill impairment, </span><span class=\"SADF SA7 S2\" id=\"te_38\">also the expectations about possible variations in the amount or timing of those future cash-flows, the time value </span><span class=\"SAE0 SA7 S2\" id=\"tf_38\">of money, represented by the current market risk-free rate of interest and other factors are reflected. </span><span class=\"SAE1 SB S2\" id=\"tg_38\">3.5. </span><span class=\"SAE2 SB S2\" id=\"th_38\">Business model </span><span class=\"SAE3 SA7 S2\" id=\"ti_38\">A business model refers to how the Group manages its financial instruments in order to generate cash flows. It is </span><span class=\"SAE4 SA7 S2\" id=\"tj_38\">determined at a level that reflects how groups of financial instruments are managed rather than at an instrument </span><span class=\"SAE5 SA7 S2\" id=\"tk_38\">level. </span><span class=\"SAE6 SA7 S2\" id=\"tl_38\">The financial assets held by the Group are classified into three categories depending on the business model within </span><span class=\"SAE7 SA7 S2\" id=\"tm_38\">the financial assets are managed. </span><span class=\"SAE8 S602 S2\" id=\"tn_38\">\u2022 </span><span class=\"SAE9 SA7 S2\" id=\"to_38\">Business model whose objective is to hold financial assets in order to collect contractual cash flows. Some </span><span class=\"SAEA SA7 S2\" id=\"tp_38\">sales can be consistent with hold to collect business model and the Group assesses the nature, frequency </span><span class=\"SAEB SA7 S2\" id=\"tq_38\">and significance of any sales occurring. The Group does not consider the sale frequent when at least six </span><span class=\"SAEC SA7 S2\" id=\"tr_38\">months have elapsed between sales. The significant sales are those when the sales exceed 2% of the total </span><span class=\"SAED SA7 S2\" id=\"ts_38\">hold to collect portfolio. Within this business model the Group manages mainly loans and advances and </span><span class=\"SAEE SA7 S2\" id=\"tt_38\">long-term securities and other financial assets. </span><span class=\"SAEF S602 S2\" id=\"tu_38\">\u2022 </span><span class=\"SAF0 SA7 S2\" id=\"tv_38\">Business model whose objective is achieved by both collecting contractual cash flows and selling </span><span class=\"SAF1 SA7 S2\" id=\"tw_38\">financial assets. Within this business model the Group only manages securities. </span><span class=\"SAF2 S602 S2\" id=\"tx_38\">\u2022 </span><span class=\"SAF3 SA7 S2\" id=\"ty_38\">Business model whose objective is to achieve gains in a short-term period. Within this business model </span><span class=\"SAF4 SA7 S2\" id=\"tz_38\">the Group manages securities and derivative financial instrument. </span><span class=\"SAF5 SA7 S2\" id=\"t10_38\">If cash flows are realised in a way that is different from the expectations at the date that the Bank/Group assessed </span><span class=\"SAF6 S5B9 S2\" id=\"t11_38\">the business model, that does not give rise to a prior error in the Group\u2019s financial statements nor does it change </span><span class=\"SAF7 SA7 S2\" id=\"t12_38\">the classification of the remaining financial assets held in that business model. </span><span class=\"SAF8 SA7 S2\" id=\"t13_38\">When, and only when the Group changes its business model for managing financial assets it reclassifies all affected </span><span class=\"SAF9 S5B9 S2\" id=\"t14_38\">assets. Such changes are determined by the Group\u2019s senior management as a result of external or internal changes </span><span class=\"SAFA S5B9 S2\" id=\"t15_38\">and must be significant to the Group\u2019s operations a</span><span class=\"SAFB SA7 S2\" id=\"t16_38\">nd demonstrable to external parties. The Group shall not </span><span class=\"SAFC SA7 S2\" id=\"t17_38\">reclassify any financial liability. </span><span class=\"SAFD SB S2\" id=\"t18_38\">3.6. </span><span class=\"SAFE SB S2\" id=\"t19_38\">Contractual cash-flow characteristics of financial assets </span><span class=\"SAFF SA7 S2\" id=\"t1a_38\">Classification of a financial asset is based on the characteristics of its contractual cash flows if the financial asset </span><span class=\"SB00 SA7 S2\" id=\"t1b_38\">is held within a business model whose objective is to hold assets to collect contractual cash flows or within a </span><span class=\"SB01 SA7 S2\" id=\"t1c_38\">business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. </span><span class=\"SB02 S5B9 S2\" id=\"t1d_38\">The Group should determine whether the asset\u2019s contractual cash flows are solely payments of principal and </span><span class=\"SB03 SA7 S2\" id=\"t1e_38\">interest on the principal amount outstanding (SPPI test). Contractual cash flows that are solely payments of </span><span class=\"SB04 SA7 S2\" id=\"t1f_38\">principal and interest on the principal amount outstanding are consistent with a basic lending arrangement. </span><span class=\"S5BC SB S2\" id=\"t6_39\">3.6. </span><span class=\"SB05 SB S2\" id=\"t7_39\">Contractual cash-flow characteristics of financial assets [continued] </span><span class=\"SB06 SA7 S2\" id=\"t8_39\">Contractual terms that introduce exposure to risks or volatility in the contractual cash flows that is unrelated to a </span><span class=\"SB07 SA7 S2\" id=\"t9_39\">basic lending arrangement, such as exposure to changes in equity prices or commodity prices, do not give rise to </span><span class=\"SB08 SA7 S2\" id=\"ta_39\">contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. The </span><span class=\"SB09 SA7 S2\" id=\"tb_39\">Group assesses whether contractual cash flows are solely payments of principal and interest on the principal </span><span class=\"S6B9 SA7 S2\" id=\"tc_39\">amount outstanding for the currency in which the financial asset is denominated. </span><span class=\"SB0A SA7 S2\" id=\"td_39\">The time value of money is the element of interest that provides consideration for only the passage of time. </span><span class=\"SB0B SA7 S2\" id=\"te_39\">However, in some cases, the time value of money element may be modified. In such cases, the Group assesses the </span><span class=\"SB0C SA7 S2\" id=\"tf_39\">modification to determine whether the contractual cash flows represent solely payments of principal and interest </span><span class=\"SB0D SA7 S2\" id=\"tg_39\">on the principal amount outstanding. </span><span class=\"SB0E SA7 S2\" id=\"th_39\">When assessing a modified time value of money element, the objective is to determine how different the </span><span class=\"SB0F SA7 S2\" id=\"ti_39\">undiscounted contractual cash flows could be from undiscounted cash flows that would arise if the time value of </span><span class=\"SB10 SA7 S2\" id=\"tj_39\">money element was not modified (the benchmark cash flows). The benchmark instrument can be an actual or a </span><span class=\"SA8E SA7 S2\" id=\"tk_39\">hypothetical financial asset. If the undiscounted contractual cash flows significantly </span><span class=\"SB11 S5B9 S2\" id=\"tl_39\">\u2013 </span><span class=\"SB12 SA7 S2\" id=\"tm_39\">above 2% </span><span class=\"SB13 S5B9 S2\" id=\"tn_39\">\u2013 </span><span class=\"SB14 SA7 S2\" id=\"to_39\">differ from the </span><span class=\"SB15 SA7 S2\" id=\"tp_39\">undiscounted benchmark cash flows, the financial asset should be subsequently measured at fair value through </span><span class=\"SB16 SA7 S2\" id=\"tq_39\">profit or loss. </span><span class=\"S583 SB S2\" id=\"t3_40\">NOTE 4: </span><span class=\"SB17 SB S2\" id=\"t4_40\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"SB18 SB S2\" id=\"t5_40\">The Covid-19 pandemic and the volatile economic environment in the post-Covid-19 era </span><span class=\"SB19 SA7 S2\" id=\"t6_40\">Since the outbreak of the COVID-19 pandemic, OTP Group has regularly updated its forecasts in light of the </span><span class=\"SB1A SA7 S2\" id=\"t7_40\">pandemic and the impact of the pandemic on the operations of OTP Group. However, the continuance of new </span><span class=\"SB1B SA7 S2\" id=\"t8_40\">waves of the pandemic emerging may require further revision by OTP Group to such macroeconomic scenarios </span><span class=\"SB1C SA7 S2\" id=\"t9_40\">and its estimations of credit impairments. </span><span class=\"SB1D SA7 S2\" id=\"ta_40\">Over the last 3 years, the COVID-19 pandemic severely impacted the evolution of the global economy. The supply- </span><span class=\"SB1E SA7 S2\" id=\"tb_40\">chain and logistic relationships were disrupted by periodic lockdowns and social distancing requirements and the </span><span class=\"SB1F SA7 S2\" id=\"tc_40\">supply of several key raw materials dropped significantly, leading to a more volatile economic environment </span><span class=\"SB20 SA7 S2\" id=\"td_40\">compared to previous years. Raw material and energy prices rose steeply, leading to higher inflation and interest </span><span class=\"S7AE S5B9 S2\" id=\"te_40\">rates in some of OTP Group\u2019s operating countries. The conflict betw</span><span class=\"SB21 SA7 S2\" id=\"tf_40\">een Russian and Ukraine and the subsequent </span><span class=\"SB22 SA7 S2\" id=\"tg_40\">implementation of sanctions on Russia have accelerated supply shortages and resulted in higher energy prices and </span><span class=\"SB23 SA7 S2\" id=\"th_40\">more broad-based inflation. Several major central banks have already raised or are considering raising interest </span><span class=\"SB24 SA7 S2\" id=\"ti_40\">rates earlier than previously expected. The Hungarian central bank has already hiked rates since the summer of </span><span class=\"SB25 SA7 S2\" id=\"tj_40\">2021. The risk of local currency devaluations versus EUR or USD has increased and could lead to a more volatile </span><span class=\"SB26 SA7 S2\" id=\"tk_40\">operating environment for OTP Group. </span><span class=\"SB27 S5B9 S2\" id=\"tl_40\">This volatile environment could cause financial difficulties for OTP Group\u2019s customers. The deteriorating credit </span><span class=\"SB28 S5B9 S2\" id=\"tm_40\">quality of OTP Group\u2019s customers may in particular result in increasing defaults and arrears in monthly payments </span><span class=\"SB29 SA7 S2\" id=\"tn_40\">on loans, higher credit impairments on the loan portfolios of OTP Group. Furthermore, lower demand for, and </span><span class=\"S7E9 S5B9 S2\" id=\"to_40\">origination of, new loans could have a material adverse effect on the OTP Group\u2019s results of operations. </span><span class=\"SB2A S5B9 S2\" id=\"tp_40\">The OTP Group\u2019s activities and the profitability of its o</span><span class=\"SB2B SA7 S2\" id=\"tq_40\">perations are strongly affected by the macroeconomic </span><span class=\"SB2C SA7 S2\" id=\"tr_40\">environment and the domestic and international perception of the economies in which it operates. </span><span class=\"SB2D SA7 S2\" id=\"ts_40\">Furthermore, the OTP Group relies on models to support a broad range of business and risk management activities, </span><span class=\"SB2E SA7 S2\" id=\"tt_40\">including informing business decisions and strategies, measuring and limiting risk, valuing exposures, conducting </span><span class=\"SB2F SA7 S2\" id=\"tu_40\">stress testing and assessing capital adequacy. Models are, by their nature, imperfect and incomplete representations </span><span class=\"SB30 SA7 S2\" id=\"tv_40\">of reality because they rely on assumptions and inputs, and as such assumptions may later potentially prove to be </span><span class=\"SB31 SA7 S2\" id=\"tw_40\">incorrect, this can affect the accuracy of their outputs. This may be exacerbated when dealing with unprecedented </span><span class=\"S75A SA7 S2\" id=\"tx_40\">scenarios, due to the lack of reliable historical reference points and data. </span><span class=\"SB32 S5B9 S2\" id=\"ty_40\">Any and all such events mentioned above could have a material adverse effect on the OTP Group\u2019s business, </span><span class=\"SB33 SA7 S2\" id=\"tz_40\">financial condition, results of operations, prospects, liquidity, capital position and credit ratings, as well as on the </span><span class=\"SB34 S5B9 S2\" id=\"t10_40\">OTP Group\u2019s customers, employees and suppliers. </span><span class=\"SB35 SB S2\" id=\"t11_40\">Macro economy and financial situation </span><span class=\"S703 SB S2\" id=\"t12_40\">Hungary </span><span class=\"SB36 SA7 S2\" id=\"t13_40\">The rapid recovery following the Covid crisis has created capacity bottlenecks in many sectors, which, coupled </span><span class=\"SB37 SA7 S2\" id=\"t14_40\">with rising commodity and energy prices, have significantly increased inflation in advanced economies. In the </span><span class=\"SB38 SA7 S2\" id=\"t15_40\">USA, the rate of inflation has not been at this level since the 1970s. The rapidly rising and increasingly broad- </span><span class=\"SB39 SA7 S2\" id=\"t16_40\">based inflation prompted the Fed to take action and to become the first major central bank to start raising interest </span><span class=\"SB3A SA7 S2\" id=\"t17_40\">rates. This move has significantly strengthened the dollar, and US 10-year yields rose to 4.3%. In the USA, </span><span class=\"SB3B SA7 S2\" id=\"t18_40\">inflation clearly peaked in mid-2022, and has been on a downward trend since then. Inflation also rose rapidly in </span><span class=\"SB3C SA7 S2\" id=\"t19_40\">Europe, where the dramatically growing gas and electricity prices posed the bigger problem. However, inflation </span><span class=\"SB3D SA7 S2\" id=\"t1a_40\">also peaked in the euro area by the end of 2022 and has been on a downward trend since October 2022. As the </span><span class=\"S9CA SA7 S2\" id=\"t1b_40\">Russia-Ukraine war had a much st</span><span class=\"SB3E S5B9 S2\" id=\"t1c_40\">ronger impact on Europe\u2019s economic outlook, and the labour market was much </span><span class=\"SB3F SA7 S2\" id=\"t1d_40\">less tight than in the USA, the ECB was slower to react to the rise in inflation. Still, European short-term interest </span><span class=\"SB40 SA7 S2\" id=\"t1e_40\">rates also rose to 2% by the end of 2022. </span><span class=\"SB41 SA7 S2\" id=\"t1f_40\">The USA went into a technical recession in the first half of 2022, but this turned out to be temporary, and the US </span><span class=\"SB42 SA7 S2\" id=\"t1g_40\">economy resumed growth in the second half-</span><span class=\"SB43 S5B9 S2\" id=\"t1h_40\">year. Europe\u2019s economies proved more resilient than had been </span><span class=\"SB44 SA7 S2\" id=\"t1i_40\">expected to the effects of the Russia-Ukraine war. In the first half of the year, growth benefited from the sectors </span><span class=\"SB45 SA7 S2\" id=\"t1j_40\">that recovered after the pandemic, but the currency area also avoided recession in the second half of the year and </span><span class=\"SB46 SA7 S2\" id=\"t1k_40\">grew by 3.5% in full year 2022. </span><span class=\"S583 SB S2\" id=\"t3_41\">NOTE 4: </span><span class=\"SB17 SB S2\" id=\"t4_41\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_41\">[continued] </span><span class=\"SB47 SB S2\" id=\"t6_41\">Macro economy and financial situation [continued] </span><span class=\"SB48 SB S2\" id=\"t7_41\">Hungary [continued] </span><span class=\"SB49 S5B9 S2\" id=\"t8_41\">The main factor that affected Hungary\u2019s economy in 2022 was the war in a neighbouring country. </span><span class=\"SB4A SA7 S2\" id=\"t9_41\">Although the </span><span class=\"SB4B SA7 S2\" id=\"ta_41\">Hungarian economy grew by 8.2% year-on-year in the first quarter and by 6.5% in the second, this was largely </span><span class=\"SB4C SA7 S2\" id=\"tb_41\">fuelled by massive one-off transfers at the beginning of 2022. By the second half of the year, however, the economy </span><span class=\"SB4D SA7 S2\" id=\"tc_41\">had lost steam and entered technical recession (two consecutive quarters of economic contraction) by the end of </span><span class=\"SB4E SA7 S2\" id=\"td_41\">2022. As a result, the Hungarian economy grew by 4.6% in 2022 as a whole. Inflation, which went beyond 20% </span><span class=\"SB4F SA7 S2\" id=\"te_41\">by the end of the year, played a significant role in the downturn, significantly eroding real income, and turning its </span><span class=\"SB50 SA7 S2\" id=\"tf_41\">growth negative by the end of 2022. </span><span class=\"SB51 SA7 S2\" id=\"tg_41\">The strong domestic demand at the beginning of the year allowed businesses to pass through the ongoing cost </span><span class=\"S819 SA7 S2\" id=\"th_41\">shocks to prices. From the second half of the year, a number of administrative measures (tightening of KATA tax </span><span class=\"SB52 SA7 S2\" id=\"ti_41\">rules, windfall taxes, increasing the public heath product tax, scrapping some price caps, etc.) also boosted </span><span class=\"SB53 S5B9 S2\" id=\"tj_41\">inflation. As a consequence, Hungary\u2019s inflation decoupled from the developments in </span><span class=\"SB54 SA7 S2\" id=\"tk_41\">the euro area, where inflation </span><span class=\"SB55 SA7 S2\" id=\"tl_41\">peaked around 10%, and from the CEE region, where it peaked at 15-17%. In Hungary, inflation did not peak in </span><span class=\"SB56 SA7 S2\" id=\"tm_41\">2022. </span><span class=\"SB57 SA7 S2\" id=\"tn_41\">Given that Hungary is a major net energy importer, the sharp rise in energy prices has significantly worsened the </span><span class=\"SB58 S5B9 S2\" id=\"to_41\">Hungarian economy\u2019s external balance, which put the forint under depreciation pressure. In addition, the continued </span><span class=\"SB59 S5B9 S2\" id=\"tp_41\">delay in agreeing on EU funds has increased the risk premium on HUF assets, which also contributed to the forint\u2019s </span><span class=\"SB5A SA7 S2\" id=\"tq_41\">weakening </span><span class=\"SB5B S5B9 S2\" id=\"tr_41\">\u2013 </span><span class=\"SB5C SA7 S2\" id=\"ts_41\">the MNB could reverse this only by a drastic interest rate hike, when the HUF/EUR was nearing 435. </span><span class=\"SB5D SA7 S2\" id=\"tt_41\">As a result, the effective reference rate rose to 18%. The falling gas prices, and the agreement reached with the EU </span><span class=\"SB5E SA7 S2\" id=\"tu_41\">at the end of 2022 had a benign effect on the HU</span><span class=\"SB5F S5B9 S2\" id=\"tv_41\">F\u2019s exchange rate. </span><span class=\"SB60 SA7 S2\" id=\"tw_41\">Falling real incomes and high interest rates have considerably slowed credit market growth. The housing loan </span><span class=\"SB61 SA7 S2\" id=\"tx_41\">market saw the sharpest slowdown: by the end of 2022 (as the Green Home Programme credit line ended), the </span><span class=\"SB62 SA7 S2\" id=\"ty_41\">contracted amount had fallen to half of the level seen in 2021. </span><span class=\"SB63 SA7 S2\" id=\"tz_41\">Despite the rapidly eroding real incomes, household consumption was still relatively buoyant. But this came at a </span><span class=\"SB64 S5B9 S2\" id=\"t10_41\">price: households\u2019 ability to save has sharply fallen. Outflows from demand deposits was particularly </span><span class=\"SB65 SA7 S2\" id=\"t11_41\">strong; these </span><span class=\"SB66 SA7 S2\" id=\"t12_41\">amounts flowed into foreign currency deposits and investment fund units. </span><span class=\"SB67 SB S2\" id=\"t13_41\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SB68 SB S2\" id=\"t14_41\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures </span><span class=\"S761 SB S2\" id=\"t15_41\">Going concern principle </span><span class=\"SB69 SA7 S2\" id=\"t16_41\">Russia launched an operation against Ukraine on 24 February 2022, which has not ended even as of the date of </span><span class=\"SB6A SA7 S2\" id=\"t17_41\">these Consolidated Financial Statements. Because of the armed conflict, many countries and the European Union </span><span class=\"S93D SA7 S2\" id=\"t18_41\">have imposed sanctions against Russia, Russian companies and citizens in several rounds. Russia responded to </span><span class=\"SB6B SA7 S2\" id=\"t19_41\">these sanctions with similar sanctions measures. </span><span class=\"S765 SA7 S2\" id=\"t1a_41\">Armed conflict and international sanctions significantly affect business and economic activity worldwide. </span><span class=\"SB6C SA7 S2\" id=\"t1b_41\">Under an unexpected and extremely negative scenario of deconsolidating the Ukrainian entity and writing down </span><span class=\"SB6D SA7 S2\" id=\"t1c_41\">the outstanding gross intragroup exposures as well, the effect for the consolidated CET1 ratio would be +1 bp, </span><span class=\"S942 SA7 S2\" id=\"t1d_41\">whereas in the case of Russia the impact would be -71 bps, based on the end of December 2022 numbers. </span><span class=\"SB6E S5B9 S2\" id=\"t1e_41\">OTP Group\u2019s Ukrainian operation incorporates the Ukrainian bank, as well as the leasing and factoring companies. </span><span class=\"SB6F SA7 S2\" id=\"t1f_41\">The country-consolidated Ukrainian total assets represented HUF 1,049 billion at the end of 2022 (3.2% of total </span><span class=\"SB70 SA7 S2\" id=\"t1g_41\">consolidated assets), while net loans comprised HUF 414 billion (2.2% of consolidated net loans) and </span><span class=\"SA1A S5B9 S2\" id=\"t1h_41\">shareholders\u2019 equity HUF 122 billion (3.7% of th</span><span class=\"SB71 SA7 S2\" id=\"t1i_41\">e consolidated total equity). </span><span class=\"SB72 SA7 S2\" id=\"t1j_41\">At the end of 2022 the gross intragroup funding towards the Ukrainian operation represented HUF 84 billion. </span><span class=\"S947 SA7 S2\" id=\"t1k_41\">In 2022 the Ukrainian operation posted an adjusted after-tax loss of HUF 15.9 billion. Regarding the trajectory of </span><span class=\"SB73 SA7 S2\" id=\"t1l_41\">the quarterly results, following the loss of HUF 34.4 billion realized in the first quarter, the financial performance </span><span class=\"SB74 SA7 S2\" id=\"t1m_41\">of the Ukrainian operation stabilized: in the second quarter around break-even result, then both in the third and the </span><span class=\"SB75 SA7 S2\" id=\"t1n_41\">fourth quarter a positive result was achieved. </span><span class=\"S583 SB S2\" id=\"t3_42\">NOTE 4: </span><span class=\"S584 SB S2\" id=\"t4_42\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_42\">[continued] </span><span class=\"SB76 SB S2\" id=\"t6_42\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SB77 SB S2\" id=\"t7_42\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"S719 SB S2\" id=\"t8_42\">Going concern principle [continued] </span><span class=\"SB78 SA7 S2\" id=\"t9_42\">The total assets of </span><span class=\"SB79 S5B9 S2\" id=\"ta_42\">the Group\u2019s Russian operation represented HUF 1,030 billion at the end of 2022 (3.1% of </span><span class=\"SB7A SA7 S2\" id=\"tb_42\">consolidated total assets), while net loans comprised HUF 612 billion (3.3% of consolidated net loans) and </span><span class=\"SB7B S5B9 S2\" id=\"tc_42\">shareholders\u2019 equity HUF 306 billion (9.2% of consolidated to</span><span class=\"SB7C SA7 S2\" id=\"td_42\">tal equity). As the Russian subsidiary repaid its </span><span class=\"SB7D SA7 S2\" id=\"te_42\">maturing intragroup loans in the fourth quarter of 2022, the gross intragroup funding towards the Russian operation </span><span class=\"SB7E SA7 S2\" id=\"tf_42\">declined from HUF 75 billion equivalent at the end of 2021 to HUF 10 billion equivalent at the end of 2022 (these </span><span class=\"SB7F SA7 S2\" id=\"tg_42\">figures are practically the same as the net group funding due to the lack of deposits placement by Russia in the </span><span class=\"SB80 SA7 S2\" id=\"th_42\">Group). The remaining intragroup exposure toward the Russian operation at the end of 2022 was a subordinated </span><span class=\"SB81 SA7 S2\" id=\"ti_42\">loan.The Russian operation posted HUF 42.5 billion adjusted profit in 2022. Within that, HUF 27.2 billion loss </span><span class=\"SB82 SA7 S2\" id=\"tj_42\">was suffered in the first quarter, followed by profitable quarters in the remaining part of the year. </span><span class=\"SB83 SA7 S2\" id=\"tk_42\">In the case of Ukraine and Russia OTP management app</span><span class=\"SB84 S5B9 S2\" id=\"tl_42\">lies a \u201egoing concern\u201d approach, however in Russia the </span><span class=\"SB85 SA7 S2\" id=\"tm_42\">management is still considering all strategic options, though a Russian Presidential decree in October 2022 </span><span class=\"SB86 SA7 S2\" id=\"tn_42\">prohibited the sale of foreign owned banks. </span><span class=\"SB87 SA7 S2\" id=\"to_42\">Based on the current evaluation of the Bank's management, the Ukrainian-Russian conflict does not have a </span><span class=\"SB88 SA7 S2\" id=\"tp_42\">significant negative impact on the OTP Group's business activities, financial situation, effectiveness of its </span><span class=\"SB89 SA7 S2\" id=\"tq_42\">activities, liquidity, and capital situation. Even after the recognition of the potential losses and write-offs outlined </span><span class=\"SB8A SA7 S2\" id=\"tr_42\">above, the Group's capital adequacy remains above the expected regulatory level. There is no sign of significant </span><span class=\"S728 SA7 S2\" id=\"ts_42\">uncertainties having been arisen regarding carrying out its business as a going concern. </span><span class=\"SB8B SB S2\" id=\"tt_42\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"SB8C SB S2\" id=\"tu_42\">Consolidated Financial Statements </span><span class=\"SB63 SA7 S2\" id=\"tv_42\">During the preparation of these Consolidated Financial Statements, the Group identified the following estimates, </span><span class=\"SB8D SA7 S2\" id=\"tw_42\">which were significantly affected by the Russian-Ukrainian conflict: </span><span class=\"SB8E SA7 S2\" id=\"tx_42\">1) </span><span class=\"SB8F SA7 S2\" id=\"ty_42\">Evaluation of Russian sovereign exposures (government securities) and related reserves for expected credit </span><span class=\"SB90 SA7 S2\" id=\"tz_42\">losses </span><span class=\"SB91 SA7 S2\" id=\"t10_42\">a) </span><span class=\"SB92 SA7 S2\" id=\"t11_42\">exposures of the Russian subsidiary bank </span><span class=\"SB93 SA7 S2\" id=\"t12_42\">b) </span><span class=\"SB94 SA7 S2\" id=\"t13_42\">exposures of other members of the group (parent company and subsidiaries) </span><span class=\"SB95 SA7 S2\" id=\"t14_42\">2) </span><span class=\"SB96 SA7 S2\" id=\"t15_42\">Evaluation of Ukrainian sovereign exposures (government securities) and related reserves for expected credit </span><span class=\"SB97 SA7 S2\" id=\"t16_42\">losses </span><span class=\"SB98 SA7 S2\" id=\"t17_42\">a) </span><span class=\"SB99 SA7 S2\" id=\"t18_42\">exposures of the Ukrainian subsidiary bank </span><span class=\"SB9A SA7 S2\" id=\"t19_42\">b) </span><span class=\"SB9B SA7 S2\" id=\"t1a_42\">exposures of other members of the group (parent company and subsidiaries) </span><span class=\"SB9C SA7 S2\" id=\"t1b_42\">3) </span><span class=\"SB9D SA7 S2\" id=\"t1c_42\">evaluation of derivative transactions denominated in Russian rubles </span><span class=\"SB9E SA7 S2\" id=\"t1d_42\">4) </span><span class=\"SB9F SA7 S2\" id=\"t1e_42\">evaluation of derivative transactions denominated in the Ukrainian hryvnia </span><span class=\"SBA0 SA7 S2\" id=\"t1f_42\">5) </span><span class=\"SBA1 SA7 S2\" id=\"t1g_42\">claims against Russian and Ukrainian central banks, provisions for expected credit losses related to Russian </span><span class=\"SBA2 SA7 S2\" id=\"t1h_42\">and Ukrainian interbank claims and customer loans </span><span class=\"SBA3 SA7 S2\" id=\"t1i_42\">a) </span><span class=\"SBA4 SA7 S2\" id=\"t1j_42\">the impact of the deterioration of the Russian and Ukrainian macro-environment </span><span class=\"SBA5 SA7 S2\" id=\"t1k_42\">b) </span><span class=\"SBA6 SA7 S2\" id=\"t1l_42\">following direct exposure to the Russian and Ukrainian markets, non-Russian and Ukrainian bank </span><span class=\"SBA7 SA7 S2\" id=\"t1m_42\">exposures </span><span class=\"SBA8 SA7 S2\" id=\"t1n_42\">c) </span><span class=\"SBA9 SA7 S2\" id=\"t1o_42\">exposures of Russian and Ukrainian subsidiary banks </span><span class=\"SBAA SA7 S2\" id=\"t1p_42\">6) </span><span class=\"SBAB SA7 S2\" id=\"t1q_42\">evaluation of goodwill </span><span class=\"SBAC SA7 S2\" id=\"t1r_42\">7) </span><span class=\"SBAD SA7 S2\" id=\"t1s_42\">deferred tax assets </span><span class=\"SBB0 SB S2\" id=\"t3_43\">NOTE 4: </span><span class=\"SBB1 SB S2\" id=\"t4_43\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP [continued] </span><span class=\"SBB2 SB S2\" id=\"t5_43\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 December 2022 in connection with the evaluation of Russian and </span><span class=\"SBB3 SB S2\" id=\"t6_43\">Ukrainian exposures [continued] </span><span class=\"SBB4 SB S2\" id=\"t7_43\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these Consolidated Financial Statements [continued] </span><span class=\"SBB5 SC43 S2\" id=\"t8_43\">Russia </span><span class=\"SBB6 SC43 S2\" id=\"t9_43\">Ukraine </span><span class=\"SBB7 SC43 S2\" id=\"ta_43\">Other countries </span><span class=\"SBB8 SC43 S2\" id=\"tb_43\">Reference </span><span class=\"SBB9 SC43 S2\" id=\"tc_43\">Gross value </span><span class=\"SBBA SC43 S2\" id=\"td_43\">Impairment / </span><span class=\"SBBB SC43 S2\" id=\"te_43\">Depreciation </span><span class=\"SBBC SC43 S2\" id=\"tf_43\">Reference </span><span class=\"SBBD SC43 S2\" id=\"tg_43\">Gross value </span><span class=\"SBBE SC43 S2\" id=\"th_43\">Impairment / </span><span class=\"SBBF SC43 S2\" id=\"ti_43\">Depreciation </span><span class=\"SBC0 SC43 S2\" id=\"tj_43\">Reference </span><span class=\"SBC1 SC43 S2\" id=\"tk_43\">Gross value </span><span class=\"SBC2 SC43 S2\" id=\"tl_43\">Impairment / </span><span class=\"SBC3 SC43 S2\" id=\"tm_43\">Depreciation </span><span class=\"SBC4 S483 S2\" id=\"tn_43\">Cash, amounts due from banks and balances </span><span class=\"SBC5 S483 S2\" id=\"to_43\">with the National Banks </span><span class=\"SBC6 S483 S2\" id=\"tp_43\">41,143 </span><span class=\"SBC7 S483 S2\" id=\"tq_43\">- </span><span class=\"SBC8 S483 S2\" id=\"tr_43\">48,537 </span><span class=\"SBC9 S483 S2\" id=\"ts_43\">- </span><span class=\"SBCA S483 S2\" id=\"tt_43\">- </span><span class=\"SBCB S483 S2\" id=\"tu_43\">- </span><span class=\"SBCC S483 S2\" id=\"tv_43\">Placements with other banks </span><span class=\"SBCD S483 S2\" id=\"tw_43\">5 </span><span class=\"SBCE S483 S2\" id=\"tx_43\">248,192 </span><span class=\"SBCF S483 S2\" id=\"ty_43\">- </span><span class=\"SBD0 S483 S2\" id=\"tz_43\">5 </span><span class=\"SBD1 S483 S2\" id=\"t10_43\">36,835 </span><span class=\"SBD2 S483 S2\" id=\"t11_43\">(250) </span><span class=\"SBD3 S483 S2\" id=\"t12_43\">- </span><span class=\"SBD4 S483 S2\" id=\"t13_43\">- </span><span class=\"SBD5 S483 S2\" id=\"t14_43\">Financial assets at fair value through </span><span class=\"SBD6 S483 S2\" id=\"t15_43\">profit or loss - derivatives </span><span class=\"SBD7 S483 S2\" id=\"t16_43\">3 </span><span class=\"SBD8 S483 S2\" id=\"t17_43\">366 </span><span class=\"SBD9 S483 S2\" id=\"t18_43\">- </span><span class=\"SBDA S483 S2\" id=\"t19_43\">4 </span><span class=\"SBDB S483 S2\" id=\"t1a_43\">14 </span><span class=\"SBDC S483 S2\" id=\"t1b_43\">- </span><span class=\"SBDD S483 S2\" id=\"t1c_43\">- </span><span class=\"SBDE S483 S2\" id=\"t1d_43\">- </span><span class=\"SBDF S483 S2\" id=\"t1e_43\">Securities at fair value through other </span><span class=\"SBE0 S483 S2\" id=\"t1f_43\">comprehensive income </span><span class=\"SBE1 S483 S2\" id=\"t1g_43\">1a </span><span class=\"SBE2 S483 S2\" id=\"t1h_43\">22,051 </span><span class=\"SBE3 S483 S2\" id=\"t1i_43\">- </span><span class=\"SBE4 S483 S2\" id=\"t1j_43\">2a </span><span class=\"SBE5 S483 S2\" id=\"t1k_43\">26,601 </span><span class=\"SBE6 S483 S2\" id=\"t1l_43\">- </span><span class=\"SBE7 S483 S2\" id=\"t1m_43\">1b; 2b </span><span class=\"SBE8 S483 S2\" id=\"t1n_43\">71,683 </span><span class=\"SBE9 S483 S2\" id=\"t1o_43\">(43,003) </span><span class=\"SBEA S483 S2\" id=\"t1p_43\">Securities at amortized cost </span><span class=\"SBEB S483 S2\" id=\"t1q_43\">- </span><span class=\"SBEC S483 S2\" id=\"t1r_43\">- </span><span class=\"SBED S483 S2\" id=\"t1s_43\">2a </span><span class=\"SBEE S483 S2\" id=\"t1t_43\">309,128 </span><span class=\"SBEF S483 S2\" id=\"t1u_43\">(14) </span><span class=\"SBF0 S483 S2\" id=\"t1v_43\">1b; 2b </span><span class=\"SBF1 S483 S2\" id=\"t1w_43\">50,962 </span><span class=\"SBF2 S483 S2\" id=\"t1x_43\">(17,635) </span><span class=\"SBF3 S483 S2\" id=\"t1y_43\">Loans at amortized cost </span><span class=\"SBF4 S483 S2\" id=\"t1z_43\">5 </span><span class=\"SBF5 S483 S2\" id=\"t20_43\">792,217 </span><span class=\"SBF6 S483 S2\" id=\"t21_43\">(180,364) </span><span class=\"SBF7 S483 S2\" id=\"t22_43\">5 </span><span class=\"SBF8 S483 S2\" id=\"t23_43\">373,560 </span><span class=\"SBF9 S483 S2\" id=\"t24_43\">(87,860) </span><span class=\"SBFA S483 S2\" id=\"t25_43\">5 </span><span class=\"SBFB S483 S2\" id=\"t26_43\">11,311 </span><span class=\"SBFC S483 S2\" id=\"t27_43\">(6,929) </span><span class=\"SBFD S483 S2\" id=\"t28_43\">Finance lease receivables </span><span class=\"SBFE S483 S2\" id=\"t29_43\">- </span><span class=\"SBFF S483 S2\" id=\"t2a_43\">- </span><span class=\"SC00 S483 S2\" id=\"t2b_43\">153,090 </span><span class=\"SC01 S483 S2\" id=\"t2c_43\">(24,899) </span><span class=\"SC02 S483 S2\" id=\"t2d_43\">- </span><span class=\"SC03 S483 S2\" id=\"t2e_43\">- </span><span class=\"SC04 S483 S2\" id=\"t2f_43\">Associates and other investments </span><span class=\"SC05 S483 S2\" id=\"t2g_43\">58 </span><span class=\"SC06 S483 S2\" id=\"t2h_43\">(2) </span><span class=\"SC07 S483 S2\" id=\"t2i_43\">Property and equipment </span><span class=\"SC08 S483 S2\" id=\"t2j_43\">39,583 </span><span class=\"SC09 S483 S2\" id=\"t2k_43\">(25,058) </span><span class=\"SC0A S483 S2\" id=\"t2l_43\">14,132 </span><span class=\"SC0B S483 S2\" id=\"t2m_43\">(6,827) </span><span class=\"SC0C S483 S2\" id=\"t2n_43\">- </span><span class=\"SC0D S483 S2\" id=\"t2o_43\">- </span><span class=\"SC0E S483 S2\" id=\"t2p_43\">Intangible assets and goodwill </span><span class=\"SC0F S483 S2\" id=\"t2q_43\">37,524 </span><span class=\"SC10 S483 S2\" id=\"t2r_43\">(17,927) </span><span class=\"SC11 S483 S2\" id=\"t2s_43\">9,760 </span><span class=\"SC12 S483 S2\" id=\"t2t_43\">(5,897) </span><span class=\"SC13 S483 S2\" id=\"t2u_43\">6 </span><span class=\"SC14 S483 S2\" id=\"t2v_43\">40,866 </span><span class=\"SC15 S483 S2\" id=\"t2w_43\">(40,866) </span><span class=\"SC16 S483 S2\" id=\"t2x_43\">Right-of-use assets </span><span class=\"SC17 S483 S2\" id=\"t2y_43\">19,741 </span><span class=\"SC18 S483 S2\" id=\"t2z_43\">(10,555) </span><span class=\"SC19 S483 S2\" id=\"t30_43\">6,311 </span><span class=\"SC1A S483 S2\" id=\"t31_43\">(3,007) </span><span class=\"SC1B S483 S2\" id=\"t32_43\">- </span><span class=\"SC1C S483 S2\" id=\"t33_43\">- </span><span class=\"SC1D S483 S2\" id=\"t34_43\">Investment properties </span><span class=\"SC1E S483 S2\" id=\"t35_43\">- </span><span class=\"SC1F S483 S2\" id=\"t36_43\">- </span><span class=\"SC20 S483 S2\" id=\"t37_43\">252 </span><span class=\"SC21 S483 S2\" id=\"t38_43\">- </span><span class=\"SC22 S483 S2\" id=\"t39_43\">- </span><span class=\"SC23 S483 S2\" id=\"t3a_43\">- </span><span class=\"SC24 S483 S2\" id=\"t3b_43\">Deferred tax assets </span><span class=\"SC25 S483 S2\" id=\"t3c_43\">7 </span><span class=\"SC26 S483 S2\" id=\"t3d_43\">20,719 </span><span class=\"SC27 S483 S2\" id=\"t3e_43\">- </span><span class=\"SC28 S483 S2\" id=\"t3f_43\">7 </span><span class=\"SC29 S483 S2\" id=\"t3g_43\">- </span><span class=\"SC2A S483 S2\" id=\"t3h_43\">- </span><span class=\"SC2B S483 S2\" id=\"t3i_43\">- </span><span class=\"SC2C S483 S2\" id=\"t3j_43\">- </span><span class=\"SC2D S483 S2\" id=\"t3k_43\">Other assets </span><span class=\"SC2E S483 S2\" id=\"t3l_43\">36,237 </span><span class=\"SC2F S483 S2\" id=\"t3m_43\">(7,378) </span><span class=\"SC30 S483 S2\" id=\"t3n_43\">13,231 </span><span class=\"SC31 S483 S2\" id=\"t3o_43\">(1,097) </span><span class=\"SC32 S483 S2\" id=\"t3p_43\">- </span><span class=\"SC33 S483 S2\" id=\"t3q_43\">- </span><span class=\"SC34 SC43 S2\" id=\"t3r_43\">TOTAL ASSETS </span><span class=\"SC35 SC43 S2\" id=\"t3s_43\">1,257,831 </span><span class=\"SC36 SC43 S2\" id=\"t3t_43\">(241,284) </span><span class=\"SC37 SC43 S2\" id=\"t3u_43\">991,451 </span><span class=\"SC38 SC43 S2\" id=\"t3v_43\">(129,851) </span><span class=\"SC39 SC43 S2\" id=\"t3w_43\">174,822 </span><span class=\"SC3A SC43 S2\" id=\"t3x_43\">(108,433) </span><span class=\"SC3B S483 S2\" id=\"t3y_43\">Amounts due to banks, the National Governments, </span><span class=\"SC3C S483 S2\" id=\"t3z_43\">deposits from the National Banks and other banks </span><span class=\"SC3D S483 S2\" id=\"t40_43\">18,415 </span><span class=\"SC3E S483 S2\" id=\"t41_43\">- </span><span class=\"SC3F S483 S2\" id=\"t42_43\">26,125 </span><span class=\"SC40 S483 S2\" id=\"t43_43\">- </span><span class=\"SC41 S483 S2\" id=\"t44_43\">- </span><span class=\"SC42 S483 S2\" id=\"t45_43\">- </span><span class=\"S583 SB S2\" id=\"t3_44\">NOTE 4: </span><span class=\"S584 SB S2\" id=\"t4_44\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_44\">[continued] </span><span class=\"SB76 SB S2\" id=\"t6_44\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_44\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC45 SB S2\" id=\"t8_44\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_44\">Consolidated Financial Statements [continued] </span><span class=\"S7DF SA7 S2\" id=\"ta_44\">During the evaluation of these assets, the Group applied the evaluation principles detailed below, which evaluation </span><span class=\"SC46 SA7 S2\" id=\"tb_44\">contains significant estimates on the part of the Management. The results of the estimates may vary significantly </span><span class=\"S7E1 SA7 S2\" id=\"tc_44\">depending on the development of the situation in the Russian-Ukrainian conflict. </span><span class=\"S5C4 SB S2\" id=\"td_44\">References </span><span class=\"SC47 SB S2\" id=\"te_44\">1a.  Evaluation of Russian sovereign exposures and related reserves for expected credit losses - exposures </span><span class=\"S819 SB S2\" id=\"tf_44\">of the Russian subsidiary bank </span><span class=\"SC48 SA7 S2\" id=\"tg_44\">Within Russia, Russian government securities are marketable, and their repayment is expected to take place in </span><span class=\"SC49 SA7 S2\" id=\"th_44\">accordance with the original conditions. The fair value calculation of securities is based on market prices available </span><span class=\"SC4A SA7 S2\" id=\"ti_44\">and observable on local trading platforms Due to the increased credit risk, the Bank classified these securities in </span><span class=\"S5CE SA7 S2\" id=\"tj_44\">the Stage 2 category. </span><span class=\"SC4B SB S2\" id=\"tk_44\">1b. Evaluation of Russian sovereign exposures and related reserves for expected credit losses - other </span><span class=\"SC4C SB S2\" id=\"tl_44\">exposures of the group </span><span class=\"SC4D SA7 S2\" id=\"tm_44\">Outside of Russia, the marketability of Russian government securities is significantly limited due to sanctions and </span><span class=\"SC4E SA7 S2\" id=\"tn_44\">capital market participants turning away from Russian securities. The credit rating of the Russian state was </span><span class=\"SC4F SA7 S2\" id=\"to_44\">withdrawn in 2022, the Group classifies the Russian state as non-performing, and in accordance with this, it </span><span class=\"SC50 SA7 S2\" id=\"tp_44\">assigned the affected exposures to the Stage 3 category. The Russian state not only recognizes its obligation and </span><span class=\"SC51 SA7 S2\" id=\"tq_44\">has the necessary financial reserves, but would also be willing to pay, so the increased loss potential is caused by </span><span class=\"SC52 SA7 S2\" id=\"tr_44\">non-traditional credit risks. In the case of a portfolio valued at fair value against other comprehensive income, the </span><span class=\"SC53 SA7 S2\" id=\"ts_44\">book value is determined based on the level 3 prices of IFRS13. Cash-flow estimation, current market benchmarks </span><span class=\"SC54 SA7 S2\" id=\"tt_44\">(provided by Bloomberg), liquidity and non-credit risk considerations were taken into account in fair value </span><span class=\"SC55 SA7 S2\" id=\"tu_44\">calculation. </span><span class=\"SC56 SB S2\" id=\"tv_44\">2a. Valuation of Ukrainian sovereign exposures and related reserves for expected credit losses - exposures </span><span class=\"S9C1 SB S2\" id=\"tw_44\">of the Ukrainian subsidiary bank </span><span class=\"SC57 SA7 S2\" id=\"tx_44\">The marketability of local government securities and the liquidity of the market are limited in Ukraine </span><span class=\"S762 SA7 S2\" id=\"ty_44\">Ukrainian government securities can only be found in the books of the Ukrainian subsidiary, due to the increased </span><span class=\"SC58 SA7 S2\" id=\"tz_44\">credit risk, these exposures are classified as Stage2. In the case of a portfolio valued at fair value against other </span><span class=\"SC59 SA7 S2\" id=\"t10_44\">comprehensive results, the book value is determined based on the level 3 prices of IFRS13. During the actual </span><span class=\"SC5A SA7 S2\" id=\"t11_44\">evaluation, the expected cash flow is discounted using yield curves observed based on current market benchmarks </span><span class=\"SC5B SA7 S2\" id=\"t12_44\">(published by the National Bank of Ukraine). </span><span class=\"SC5C SB S2\" id=\"t13_44\">2b. Valuation of Ukrainian sovereign exposures and related reserves for expected credit losses - other </span><span class=\"SC5D SB S2\" id=\"t14_44\">exposures of the group </span><span class=\"SC5E SA7 S2\" id=\"t15_44\">Ukrainian government securities are exclusively in the books of the Ukrainian subsidiary. </span><span class=\"SAD7 SB S2\" id=\"t16_44\">3. Valuation of Russian derivative transactions </span><span class=\"SC5F SA7 S2\" id=\"t17_44\">Similar to the bond market, in 2022 the money market inside and outside Russia will also be separated. In the case </span><span class=\"SC60 SA7 S2\" id=\"t18_44\">of futures contracts concluded with local partners on the Russian market, the evaluation is carried out using yield </span><span class=\"SC61 SA7 S2\" id=\"t19_44\">curves available and observable on the local market. In cases where one of the partners is not Russian, the </span><span class=\"SC62 SA7 S2\" id=\"t1a_44\">evaluation is done using yield curves available and observable on the international market. </span><span class=\"SC63 SA7 S2\" id=\"t1b_44\">In 2022, there was one case of non-performance, the impact of which was HUF 13.8 billion. </span><span class=\"S583 SB S2\" id=\"t3_45\">NOTE 4: </span><span class=\"S584 SB S2\" id=\"t4_45\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_45\">[continued] </span><span class=\"SB76 SB S2\" id=\"t6_45\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_45\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC64 SB S2\" id=\"t8_45\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_45\">Consolidated Financial Statements [continued] </span><span class=\"SC65 SB S2\" id=\"ta_45\">References [continued] </span><span class=\"S7E1 SB S2\" id=\"tb_45\">4. Valuation of Ukrainian derivatives </span><span class=\"SC66 SA7 S2\" id=\"tc_45\">Similar to the bond market, in 2022 the liquidity and number of transactions in the Ukrainian money market were </span><span class=\"SC67 SA7 S2\" id=\"td_45\">limited. The Treasury turnover of the Ukrainian bank is low, and a significant part of the derivative transactions </span><span class=\"SC68 SA7 S2\" id=\"te_45\">are related to the bank's risk management and concluded with the parent company. During the actual evaluation, </span><span class=\"SC69 SA7 S2\" id=\"tf_45\">the expected cash-flow is discounted using yield curves observed based on current market benchmarks (published </span><span class=\"S7B0 SA7 S2\" id=\"tg_45\">by the National Bank of Ukraine). </span><span class=\"SC6A SB S2\" id=\"th_45\">5. Claims against Russian and Ukrainian central banks, provisions for expected credit losses related to </span><span class=\"SC6B SB S2\" id=\"ti_45\">Russian and Ukrainian interbank claims and customer loans </span><span class=\"SC6C SA7 S2\" id=\"tj_45\">As part of the continuous monitoring activity, OTP Group has explored and analyzed the secondary and tertiary </span><span class=\"SC6D SA7 S2\" id=\"tk_45\">negative effects of the war in the corporate segment for Group members outside of Russia and Ukraine, including </span><span class=\"SC6E SA7 S2\" id=\"tl_45\">the effects of the current sanctions policy. In the case of the affected customers, if the increased risk was </span><span class=\"SC6F SA7 S2\" id=\"tm_45\">substantiated, they were classified in the Stage 2 category, while in the case of non-performance, the Group </span><span class=\"SC70 SA7 S2\" id=\"tn_45\">classified the given exposures in the Stage 3 rating category. </span><span class=\"SC71 SA7 S2\" id=\"to_45\">In the case of Group members in Russia, the impact of the deteriorating economic environment compared to </span><span class=\"SC72 SA7 S2\" id=\"tp_45\">previous years was taken into account when determining the expected loss, however, the Bank does not expect </span><span class=\"S9E3 SA7 S2\" id=\"tq_45\">any further substantial deterioration of the economic environment. As a result of the cessation of active corporate </span><span class=\"SC73 SA7 S2\" id=\"tr_45\">lending, the exposure of corporate loans in rubles decreased by 75% in 2022. The retail credit market started to </span><span class=\"SC74 SA7 S2\" id=\"ts_45\">pick up again from the second half of the year, although the dynamics of lending fell short of the similar period of </span><span class=\"SC75 SA7 S2\" id=\"tt_45\">the previous year. </span><span class=\"SC76 SA7 S2\" id=\"tu_45\">In the case of Ukrainian Group members, the proportion of customers with increased risk (Stage2) and non- </span><span class=\"SC77 SA7 S2\" id=\"tv_45\">performing (Stage3) increased significantly in 2022. When determining the expected loss, the drastically </span><span class=\"SC78 SA7 S2\" id=\"tw_45\">deteriorating external environment in 2022 was taken into account, compared to which the Bank does not expect </span><span class=\"SC79 SA7 S2\" id=\"tx_45\">any further significant deterioration in 2023. The identification of the increased risk </span><span class=\"SC7A S5B9 S2\" id=\"ty_45\">\u2013 </span><span class=\"SC7B SA7 S2\" id=\"tz_45\">given the special situation </span><span class=\"SC7C S5B9 S2\" id=\"t10_45\">\u2013 </span><span class=\"SC7D SA7 S2\" id=\"t11_45\">extends to regionally different war activity. In addition, the territorial distribution of exposures was also taken </span><span class=\"SC7E SA7 S2\" id=\"t12_45\">into account when evaluating the expected loss, in the areas directly and indirectly affected by the war, the Bank </span><span class=\"SC7F SA7 S2\" id=\"t13_45\">does not expect a significant return for non-performing customers, regardless of economic trends. Adjusted for </span><span class=\"SC80 SA7 S2\" id=\"t14_45\">exchange rates, the stock of residential loans due in 2022 (Stage 1+2) fell by approximately half. New corporate </span><span class=\"SC81 SA7 S2\" id=\"t15_45\">lending is predominantly limited to the refinancing of existing frameworks, the corporate loan portfolio decreased </span><span class=\"SC82 SA7 S2\" id=\"t16_45\">by 20% and the leasing portfolio by 28% adjusted for exchange rates last year. In the residential segment, the </span><span class=\"SC83 SA7 S2\" id=\"t17_45\">Bank's activity dropped to a fraction from the end of February, and in the second half of the year, there was already </span><span class=\"SC84 SA7 S2\" id=\"t18_45\">a small recovery in commodity lending. </span><span class=\"SC85 SB S2\" id=\"t19_45\">6. </span><span class=\"SC86 SB S2\" id=\"t1a_45\">Evaluation of goodwill </span><span class=\"SC87 SA7 S2\" id=\"t1b_45\">In connection with the involvement in the Russian-Ukrainian conflict, as a result of the company value review, the </span><span class=\"SC88 SA7 S2\" id=\"t1c_45\">Group considered it necessary to fully write off the existing goodwill in the case of the Russian subsidiary bank in </span><span class=\"SC89 SA7 S2\" id=\"t1d_45\">the first quarter of 2022, the value of which as at 31 December 2021 was HUF 40.9 billion. The effect of goodwill </span><span class=\"SC8A SA7 S2\" id=\"t1e_45\">write-off on the result was HUF 67.7 billion, and a HUF 26.8 billion loss was accounted for against equity. In the </span><span class=\"SC8B SA7 S2\" id=\"t1f_45\">case of Ukraine, there was no goodwill write-off. </span><span class=\"SC8C SA7 S2\" id=\"t1g_45\">Based on current experience, the Group takes into account the macroeconomic effects of the current geopolitical </span><span class=\"SC8D SA7 S2\" id=\"t1h_45\">situation in the mid- to long-term when determining the impairment of investments in the case of countries affected </span><span class=\"SC8E SA7 S2\" id=\"t1i_45\">by the conflict. In the case of Russian and Ukrainian operations, we currently do not consider it likely that the </span><span class=\"S809 SA7 S2\" id=\"t1j_45\">estimated investment value before the conflict (2021) will be reached during the 3-year explicit period. </span><span class=\"S583 SB S2\" id=\"t3_46\">NOTE 4: </span><span class=\"SC8F SB S2\" id=\"t4_46\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_46\">[continued] </span><span class=\"SC90 SB S2\" id=\"t6_46\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_46\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC64 SB S2\" id=\"t8_46\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_46\">Consolidated Financial Statements [continued] </span><span class=\"SC65 SB S2\" id=\"ta_46\">References [continued] </span><span class=\"SC91 SB S2\" id=\"tb_46\">7. </span><span class=\"SC92 SB S2\" id=\"tc_46\">Deferred tax </span><span class=\"SC93 SA7 S2\" id=\"td_46\">Due to the uncertainty of the expected return, the Group did not recognize deferred tax assets in Ukraine, while in </span><span class=\"SC94 SA7 S2\" id=\"te_46\">Russia, the Group recognized HUF 20.7 billion in deferred tax assets. There is no limit to unused tax credits in </span><span class=\"SC95 SA7 S2\" id=\"tf_46\">Russia. In addition, if the bank's taxable loss were to increase (if the impairment calculated according to local rules </span><span class=\"SC96 SA7 S2\" id=\"tg_46\">approached the higher level of impairment according to IFRS), the difference between the settlement and the tax </span><span class=\"SA8B SA7 S2\" id=\"th_46\">loss would decrease, thus reducing the deferred tax asset. As a result, the bank was able to utilize the temporary </span><span class=\"SC97 SA7 S2\" id=\"ti_46\">deferred tax asset both in the expected profitable operation and in a possible loss scenario. </span><span class=\"SC98 SB S2\" id=\"tj_46\">Summary of economic policy measures made and other relevant regulatory changes in the period under </span><span class=\"S6F5 SB S2\" id=\"tk_46\">review </span><span class=\"SC99 SA7 S2\" id=\"tl_46\">In the section below, the measures and developments which have been made since the beginning of 2022, and </span><span class=\"SC9A S5B9 S2\" id=\"tm_46\">\u2013 </span><span class=\"SC9B S5B9 S2\" id=\"tn_46\">in OTP Bank\u2019s view \u2013 </span><span class=\"SC9C SA7 S2\" id=\"to_46\">are relevant and have materially influenced / can materially influence the operation of the </span><span class=\"SC9D SA7 S2\" id=\"tp_46\">Group members. </span><span class=\"SC9E SA7 S2\" id=\"tq_46\">OTP Bank excludes any liability for the completeness and accuracy of the measures presented herein. </span><span class=\"SC9F SB S2\" id=\"tr_46\">Hungary </span><span class=\"SCA0 S602 S2\" id=\"ts_46\">\u2022 </span><span class=\"SCA1 SA7 S2\" id=\"tt_46\">On 5 April 2022 the National Bank of Hungary raised the available amount under the Green Home </span><span class=\"SCA2 SA7 S2\" id=\"tu_46\">Programme by an additional HUF 100 billion, up from the originally announced HUF 200 billion. </span><span class=\"SCA3 S602 S2\" id=\"tv_46\">\u2022 </span><span class=\"SCA4 SA7 S2\" id=\"tw_46\">Pursuant to Government Decree No. 150/2022 published on 14 April 2022, effective from 29 April the </span><span class=\"SCA5 SA7 S2\" id=\"tx_46\">intermediary and other fees paid by the State to commercial banks were amended in the case of the Housing </span><span class=\"SCA6 SA7 S2\" id=\"ty_46\">Subsidy for Families (CSOK), the VAT refund subsidy for newly built homes, the repayment by the State </span><span class=\"SCA7 SA7 S2\" id=\"tz_46\">of housing loan taken out by families with children, and the baby loans. These fees are now set as absolute </span><span class=\"SCA8 SA7 S2\" id=\"t10_46\">amounts, instead of the previous percentage terms. Furthermore, the interest subsidy paid by the state was </span><span class=\"SCA9 SA7 S2\" id=\"t11_46\">reduced by one percentage point in the case of baby loans requested after 29 April. </span><span class=\"SCAA S602 S2\" id=\"t12_46\">\u2022 </span><span class=\"SCAB SA7 S2\" id=\"t13_46\">According to the press release made by the National Bank of Hungary on 30 June 2022, the counter-cyclical </span><span class=\"SCAC SA7 S2\" id=\"t14_46\">capital buffer rate will be increased, for the first time since its introduction 6 years ago, to 0.5% effective from </span><span class=\"SCAD SA7 S2\" id=\"t15_46\">1 July 2023. </span><span class=\"SCAE S602 S2\" id=\"t16_46\">\u2022 </span><span class=\"SCAF SA7 S2\" id=\"t17_46\">The baby loan programme which was originally meant to expire by the end of 2022 was extended by 2 </span><span class=\"SCB0 SA7 S2\" id=\"t18_46\">years, till the end of 2024. </span><span class=\"SCB1 SB S2\" id=\"t19_46\">Interest rate cap </span><span class=\"SCB2 SA7 S2\" id=\"t1a_46\">For the period between 1 January and 30 June 2022 the Hungarian Government introduced an interest rate cap for </span><span class=\"SCB3 SA7 S2\" id=\"t1b_46\">variable-rate retail mortgage loans, and with its decision announced on 18 February for housing purposes financial </span><span class=\"SCB4 S5B9 S2\" id=\"t1c_46\">leasing contracts, too. Accordingly, the affected exposures\u2019 reference rate cannot be higher than the rel </span><span class=\"SCB5 SA7 S2\" id=\"t1d_46\">evant </span><span class=\"SCB6 SA7 S2\" id=\"t1e_46\">contractual reference rate as at 27 October 2021. The modification loss related to the interest rate cap for variable </span><span class=\"SCB7 S5B9 S2\" id=\"t1f_46\">rate mortgage loans announced was recognized in the Bank\u2019s 2021 financial accounts. The extension of the interest </span><span class=\"SCB8 SA7 S2\" id=\"t1g_46\">rate cap to housing purposes financial leasing contracts did not have a significant negative effect. </span><span class=\"SCB9 SA7 S2\" id=\"t1h_46\">Pursuant to Government Decree No. 215/2022 (issued on 17 June) the Government extended the interest rate cap </span><span class=\"SCBA SA7 S2\" id=\"t1i_46\">for variable-rate retail mortgage loans by an additional 6 months, i.e. until 31 December 2022. The expected one- </span><span class=\"SCBB SA7 S2\" id=\"t1j_46\">off effect of the extension of the interest rate cap amounted to -HUF 10.1 billion (after tax) and was booked in the </span><span class=\"SCBC SA7 S2\" id=\"t1k_46\">second quarter of 2022. </span><span class=\"S583 SB S2\" id=\"t3_47\">NOTE 4: </span><span class=\"SCBD SB S2\" id=\"t4_47\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_47\">[continued] </span><span class=\"SCBE SB S2\" id=\"t6_47\">Interest rate cap [continued] </span><span class=\"SA23 SA7 S2\" id=\"t7_47\">The details of the extension of the interest rate cap scheme were revealed on 14 October 2022. Firstly, the interest </span><span class=\"SCBF SA7 S2\" id=\"t8_47\">rate cap was further extended by 6 months, until the end of June 2023. Secondly, from 1 November 2022 the </span><span class=\"SCC0 SA7 S2\" id=\"t9_47\">provisions of the interest rate cap must applied to the market-based mortgages with up to 5 years interest rate </span><span class=\"SCC1 SA7 S2\" id=\"ta_47\">repricing period, too. </span><span class=\"SCC2 SA7 S2\" id=\"tb_47\">On 22 October 2022 the Government announced that starting from 15 November until 30 June 2023, the reference </span><span class=\"SCC3 SA7 S2\" id=\"tc_47\">rate of certain MSE loans will also be capped, as set out by Government Decree 415/2022 (X. 26.) published on </span><span class=\"SCC4 SA7 S2\" id=\"td_47\">26 October. Accordingly, the provisions shall be applied to HUF denominated, non-subsidized, floating rate loans </span><span class=\"SCC5 SA7 S2\" id=\"te_47\">to micro and small enterprises and financial lease contracts, excluding overdraft loan agreements. In this period, </span><span class=\"S6BB SA7 S2\" id=\"tf_47\">the reference rate of these exposures cannot be higher than the relevant reference rate as specified in the contract </span><span class=\"SCC6 SA7 S2\" id=\"tg_47\">as at 28 June 2022 (on that day the 3M BUBOR stood at 7.77%). The financial burden of the MSE rate cap must </span><span class=\"S819 SA7 S2\" id=\"th_47\">be shouldered by the banks. The cost of the rate cap scheme is borne by the banks. </span><span class=\"SCC7 SA7 S2\" id=\"ti_47\">The expected negative after tax effect of the measures taken in October 2022 amounted to HUF 26.4 billion and </span><span class=\"SCC8 SA7 S2\" id=\"tj_47\">was accounted for in the fourth quarter of 2022 in one sum. </span><span class=\"SCC9 SB S2\" id=\"tk_47\">Moratorium, one-off effect </span><span class=\"SCCA SA7 S2\" id=\"tl_47\">In Hungary the first phase of the moratorium on loan payments was effective from 19 March 2020 to 31 December </span><span class=\"SCCB SA7 S2\" id=\"tm_47\">2020. At the end of 2020 the moratorium was extended in unchanged form for the period between 1 January 2021 </span><span class=\"SCCC SA7 S2\" id=\"tn_47\">and 30 June 2021. Furthermore, according to Government Decree No. 317/2021. (VI. 9.) released on 9 June 2021 </span><span class=\"SCCD SA7 S2\" id=\"to_47\">the payment moratorium was extended with unchanged conditions until 30 September 2021. Pursuant to </span><span class=\"SCCE SA7 S2\" id=\"tp_47\">Government Decree 536/2021. (IX. 15.) published on 15 September, the Government decided to extend the debt </span><span class=\"SCCF SA7 S2\" id=\"tq_47\">repayment moratorium: the blanket moratorium was extended by an additional month, until the end of October, in </span><span class=\"SCD0 SA7 S2\" id=\"tr_47\">an unchanged form. Furthermore, from the beginning of November 2021 until 30 June 2022 only the eligible </span><span class=\"SCD1 SA7 S2\" id=\"ts_47\">borrowers can participate in the moratorium provided that they submitted a request to their banks about their </span><span class=\"SCD2 SA7 S2\" id=\"tt_47\">intention to stay. Similarly, with its Government Decree No. 216/2022 published on 17 June, the Government </span><span class=\"SCD3 SA7 S2\" id=\"tu_47\">further extended the expiry of the moratorium, until the end of 2022. Eligible clients had to notify their bank about </span><span class=\"SCD4 SA7 S2\" id=\"tv_47\">their intention to participate in the payment holiday until the end of July 2022. The general payment holiday </span><span class=\"SCD5 SA7 S2\" id=\"tw_47\">expired at the end of 2022. </span><span class=\"SCD6 SA7 S2\" id=\"tx_47\">Starting from September 2022 to the end of 2023, due to the severe draught, agricultural companies can enjoy a </span><span class=\"SCD7 SA7 S2\" id=\"ty_47\">payment moratorium on their working capital and investment loans. Eligible borrowers can decide whether to join </span><span class=\"SCD8 SA7 S2\" id=\"tz_47\">the scheme or not. At the end of 2022, HUF 41 billion worth of loans were subject to the moratorium for </span><span class=\"SCD9 S5B9 S2\" id=\"t10_47\">agricultural companies, making up 0.6% of OTP Core\u2019s total gross loan volume. </span><span class=\"SCDA SA7 S2\" id=\"t11_47\">During the term of the moratorium OTP Bank accrues the unpaid interest in its statement of recognized income, </span><span class=\"SCDB SA7 S2\" id=\"t12_47\">amongst the revenues. At the same time, due to the fact that interest cannot be charged on the unpaid interest, and </span><span class=\"SCDC SA7 S2\" id=\"t13_47\">the unpaid interest will be repaid later, in the course of 2020, 2021 and 2022 altogether HUF 44.1 billion one-off </span><span class=\"SA12 SA7 S2\" id=\"t14_47\">loss emerged in Hungary (after tax). </span><span class=\"SCDD SB S2\" id=\"t15_47\">Financial assets modified during the period related to moratorium in the Group for the year ended 31 </span><span class=\"SCDE SB S2\" id=\"t16_47\">December 2022 (in HUF mn) </span><span class=\"SC5D SB S2\" id=\"t17_47\">Modification due to prolongation of deadline of moratorium from 30 June until 31 July 2022 </span><span class=\"SCDF SB S2\" id=\"t18_47\">Group </span><span class=\"SCE0 SA7 S2\" id=\"t19_47\">Gross carrying amount before modification </span><span class=\"SCE1 SA7 S2\" id=\"t1a_47\">159,850 </span><span class=\"SCE2 SA7 S2\" id=\"t1b_47\">Loss allowance before modification </span><span class=\"SCE3 SA7 S2\" id=\"t1c_47\">(31,718) </span><span class=\"SCE4 SB S2\" id=\"t1d_47\">Net amortised cost before modification </span><span class=\"SCE5 SB S2\" id=\"t1e_47\">128,132 </span><span class=\"SCE6 SA7 S2\" id=\"t1f_47\">Modification loss </span><span class=\"SCE7 SA7 S2\" id=\"t1g_47\">(471) </span><span class=\"SCE8 SB S2\" id=\"t1h_47\">Net amortised cost after modification </span><span class=\"SCE9 SB S2\" id=\"t1i_47\">127,661 </span><span class=\"S583 SB S2\" id=\"t3_48\">NOTE 4: </span><span class=\"S584 SB S2\" id=\"t4_48\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_48\">[continued] </span><span class=\"SCEA SB S2\" id=\"t6_48\">Financial assets modified during the period related to moratorium in the Group for the year ended 31 </span><span class=\"SCEB SB S2\" id=\"t7_48\">December 2022 (in HUF mn) [continued] </span><span class=\"SCEC SB S2\" id=\"t8_48\">Modification due to prolongation of interest rate cap till 30 June 2022 </span><span class=\"SCED SB S2\" id=\"t9_48\">Group </span><span class=\"SCEE SA7 S2\" id=\"ta_48\">Gross carrying amount before modification </span><span class=\"SCEF SA7 S2\" id=\"tb_48\">289,630 </span><span class=\"SCF0 SA7 S2\" id=\"tc_48\">Loss allowance before modification </span><span class=\"SCF1 SA7 S2\" id=\"td_48\">(7,771) </span><span class=\"SCF2 SB S2\" id=\"te_48\">Net amortised cost before modification </span><span class=\"SCF3 SB S2\" id=\"tf_48\">281,859 </span><span class=\"SCF4 SA7 S2\" id=\"tg_48\">Modification loss </span><span class=\"SCF5 SA7 S2\" id=\"th_48\">(11,144) </span><span class=\"SCF6 SB S2\" id=\"ti_48\">Net amortised cost after modification </span><span class=\"SCF7 SB S2\" id=\"tj_48\">270,715 </span><span class=\"SCF8 SB S2\" id=\"tk_48\">Modification due to prolongation of deadline of moratorium till 30 September 2022 </span><span class=\"SCF9 SB S2\" id=\"tl_48\">Group </span><span class=\"SCFA SA7 S2\" id=\"tm_48\">Gross carrying amount before modification </span><span class=\"SCFB SA7 S2\" id=\"tn_48\">1,053 </span><span class=\"SCFC SA7 S2\" id=\"to_48\">Loss allowance before modification </span><span class=\"SCFD SA7 S2\" id=\"tp_48\">(108) </span><span class=\"SCFE SB S2\" id=\"tq_48\">Net amortised cost before modification </span><span class=\"SCFF SB S2\" id=\"tr_48\">945 </span><span class=\"SD00 SA7 S2\" id=\"ts_48\">Modification loss </span><span class=\"SD01 SA7 S2\" id=\"tt_48\">(5) </span><span class=\"SD02 SB S2\" id=\"tu_48\">Net amortised cost after modification </span><span class=\"SD03 SB S2\" id=\"tv_48\">940 </span><span class=\"SD04 SB S2\" id=\"tw_48\">Modification due to moratorium related to agriculture and prolongation of deadline of existing moratorium </span><span class=\"SD05 SB S2\" id=\"tx_48\">till 30 September 2022 </span><span class=\"SD06 SB S2\" id=\"ty_48\">Group </span><span class=\"SD07 SA7 S2\" id=\"tz_48\">Gross carrying amount before modification </span><span class=\"SD08 SA7 S2\" id=\"t10_48\">152,051 </span><span class=\"SD09 SA7 S2\" id=\"t11_48\">Loss allowance before modification </span><span class=\"SD0A SA7 S2\" id=\"t12_48\">(24,910) </span><span class=\"SD0B SB S2\" id=\"t13_48\">Net amortised cost before modification </span><span class=\"SD0C SB S2\" id=\"t14_48\">127,141 </span><span class=\"SD0D SA7 S2\" id=\"t15_48\">Modification loss </span><span class=\"SD0E SA7 S2\" id=\"t16_48\">(2,122) </span><span class=\"SD0F SB S2\" id=\"t17_48\">Net amortised cost after modification </span><span class=\"SD10 SB S2\" id=\"t18_48\">125,019 </span><span class=\"SD11 SB S2\" id=\"t19_48\">Modification due to prolongation of interest rate cap till 30 November 2022 </span><span class=\"SD12 SB S2\" id=\"t1a_48\">Group </span><span class=\"SD13 SA7 S2\" id=\"t1b_48\">Gross carrying amount before modification </span><span class=\"SD14 SA7 S2\" id=\"t1c_48\">154,421 </span><span class=\"SD15 SA7 S2\" id=\"t1d_48\">Loss allowance before modification </span><span class=\"SD16 SA7 S2\" id=\"t1e_48\">(6,184) </span><span class=\"SD17 SB S2\" id=\"t1f_48\">Net amortised cost before modification </span><span class=\"SD18 SB S2\" id=\"t1g_48\">148,237 </span><span class=\"SD19 SA7 S2\" id=\"t1h_48\">Modification loss </span><span class=\"SD1A SA7 S2\" id=\"t1i_48\">(536) </span><span class=\"SD1B SB S2\" id=\"t1j_48\">Net amortised cost after modification </span><span class=\"SD1C SB S2\" id=\"t1k_48\">147,701 </span><span class=\"SD1D SB S2\" id=\"t1l_48\">Modification due to scope extension (mortgage loans with 5-year fixing without subsidy) and prolongation </span><span class=\"SD1E SB S2\" id=\"t1m_48\">of the existing interest rate cap till 31 December 2022 </span><span class=\"SD1F SB S2\" id=\"t1n_48\">Group </span><span class=\"SD20 SA7 S2\" id=\"t1o_48\">Gross carrying amount before modification </span><span class=\"SD21 SA7 S2\" id=\"t1p_48\">422,201 </span><span class=\"SD22 SA7 S2\" id=\"t1q_48\">Loss allowance before modification </span><span class=\"SD23 SA7 S2\" id=\"t1r_48\">(12,604) </span><span class=\"SD24 SB S2\" id=\"t1s_48\">Net amortised cost before modification </span><span class=\"SD25 SB S2\" id=\"t1t_48\">409,597 </span><span class=\"SD26 SA7 S2\" id=\"t1u_48\">Modification loss </span><span class=\"SD27 SA7 S2\" id=\"t1v_48\">(22,860) </span><span class=\"SD28 SB S2\" id=\"t1w_48\">Net amortised cost after modification </span><span class=\"SD29 SB S2\" id=\"t1x_48\">386,737 </span><span class=\"S583 SB S2\" id=\"t3_49\">NOTE 4: </span><span class=\"S584 SB S2\" id=\"t4_49\">MACRO ENVIRONMENT, IMPACT OF ECONOMIC SITUATION ON THE GROUP </span><span class=\"S5BB SB S2\" id=\"t5_49\">[continued] </span><span class=\"SD2A SB S2\" id=\"t6_49\">Financial assets modified during the period related to moratorium in the Group for the year ended 31 </span><span class=\"SD2B SB S2\" id=\"t7_49\">December 2021 (in HUF mn) </span><span class=\"SD2C SA7 S2\" id=\"t8_49\">Modification due to prolongation of deadline of covid moratoria until 30 September: </span><span class=\"SD2D SB S2\" id=\"t9_49\">Group </span><span class=\"SD2E SA7 S2\" id=\"ta_49\">Gross carrying amount before modification </span><span class=\"SD2F SA7 S2\" id=\"tb_49\">1,175,230 </span><span class=\"SD30 SA7 S2\" id=\"tc_49\">Loss allowance before modification </span><span class=\"SD31 SA7 S2\" id=\"td_49\">(66,066) </span><span class=\"SD32 SB S2\" id=\"te_49\">Net amortised cost before modification </span><span class=\"SD33 SB S2\" id=\"tf_49\">1,109,164 </span><span class=\"SD34 SA7 S2\" id=\"tg_49\">Modification loss due to covid moratoria </span><span class=\"SD35 SA7 S2\" id=\"th_49\">(6,620) </span><span class=\"SD36 SB S2\" id=\"ti_49\">Net amortised cost after modification </span><span class=\"SD37 SB S2\" id=\"tj_49\">1,102,544 </span><span class=\"SD38 SA7 S2\" id=\"tk_49\">Modification due to prolongation of deadline of covid moratoria until 31 October: </span><span class=\"SD39 SB S2\" id=\"tl_49\">Group </span><span class=\"SD3A SA7 S2\" id=\"tm_49\">Gross carrying amount before modification </span><span class=\"SD3B SA7 S2\" id=\"tn_49\">1,166,115 </span><span class=\"SD3C SA7 S2\" id=\"to_49\">Loss allowance before modification </span><span class=\"SD3D SA7 S2\" id=\"tp_49\">(69,415) </span><span class=\"SD3E SB S2\" id=\"tq_49\">Net amortised cost before modification </span><span class=\"SD3F SB S2\" id=\"tr_49\">1,096,700 </span><span class=\"SD40 SA7 S2\" id=\"ts_49\">Modification loss due to covid moratoria </span><span class=\"SD41 SA7 S2\" id=\"tt_49\">(2,104) </span><span class=\"SD42 SB S2\" id=\"tu_49\">Net amortised cost after modification </span><span class=\"SD43 SB S2\" id=\"tv_49\">1,094,596 </span><span class=\"SD44 SA7 S2\" id=\"tw_49\">In the case of credit card and overdraft loans interest charged during the moratoria period should be refunded to </span><span class=\"SD45 SA7 S2\" id=\"tx_49\">the debtors in amount determined as a difference between the charged interest and a premoratoria personal loan </span><span class=\"SD46 SA7 S2\" id=\"ty_49\">interest at 11,99%. The Bank has managed this government measure as loan agreement modification in the </span><span class=\"SD47 SA7 S2\" id=\"tz_49\">financial statements. </span><span class=\"SD48 SB S2\" id=\"t10_49\">Group </span><span class=\"SD49 SA7 S2\" id=\"t11_49\">Gross carrying amount before modification </span><span class=\"SD4A SA7 S2\" id=\"t12_49\">57,892 </span><span class=\"SD4B SA7 S2\" id=\"t13_49\">Loss allowance before modification </span><span class=\"SD4C SA7 S2\" id=\"t14_49\">(9,234) </span><span class=\"SD4D SB S2\" id=\"t15_49\">Net amortised cost before modification </span><span class=\"SD4E SB S2\" id=\"t16_49\">48,658 </span><span class=\"SD4F SA7 S2\" id=\"t17_49\">Modification loss due to covid moratoria </span><span class=\"SD50 SA7 S2\" id=\"t18_49\">(1,983) </span><span class=\"SD51 SB S2\" id=\"t19_49\">Net amortised cost after modification </span><span class=\"SD52 SB S2\" id=\"t1a_49\">46,675 </span><span class=\"SD53 SA7 S2\" id=\"t1b_49\">Modification due to prolongation of deadline of covid moratoria until 30 June 2022: </span><span class=\"SD54 SB S2\" id=\"t1c_49\">Group </span><span class=\"SD55 SA7 S2\" id=\"t1d_49\">Gross carrying amount before modification </span><span class=\"SD56 SA7 S2\" id=\"t1e_49\">113,728 </span><span class=\"SD57 SA7 S2\" id=\"t1f_49\">Loss allowance before modification </span><span class=\"SD58 SA7 S2\" id=\"t1g_49\">(25,428) </span><span class=\"SD59 SB S2\" id=\"t1h_49\">Net amortised cost before modification </span><span class=\"SD5A SB S2\" id=\"t1i_49\">88,300 </span><span class=\"SD5B SA7 S2\" id=\"t1j_49\">Modification loss due to covid moratoria </span><span class=\"SD5C SA7 S2\" id=\"t1k_49\">(2,838) </span><span class=\"SD5D SB S2\" id=\"t1l_49\">Net amortised cost after modification </span><span class=\"SD5E SB S2\" id=\"t1m_49\">85,462 </span><span class=\"SD5F SA7 S2\" id=\"t1n_49\">Modification due to temporarily fixing of loan with variable interest rate: </span><span class=\"SD60 SA7 S2\" id=\"t1o_49\">On 24 December 2021 new regulation was issued on fixing of retail loan </span><span class=\"SD61 S5B9 S2\" id=\"t1p_49\">product\u2019s interest, under that interest </span><span class=\"SD62 SA7 S2\" id=\"t1q_49\">rates of mortgage loans with variable interest shall be fixed at reference rates of 27 October 2021, predictably till </span><span class=\"SD63 SA7 S2\" id=\"t1r_49\">30 June 2022. </span><span class=\"SD64 SB S2\" id=\"t1s_49\">Group </span><span class=\"SD65 SA7 S2\" id=\"t1t_49\">Gross carrying amount before modification </span><span class=\"SD66 SA7 S2\" id=\"t1u_49\">321,323 </span><span class=\"SD67 SA7 S2\" id=\"t1v_49\">Loss allowance before modification </span><span class=\"SD68 SA7 S2\" id=\"t1w_49\">(9,317) </span><span class=\"SD69 SB S2\" id=\"t1x_49\">Net amortised cost before modification </span><span class=\"SD6A SB S2\" id=\"t1y_49\">312,006 </span><span class=\"SD6B SA7 S2\" id=\"t1z_49\">Modification loss due to covid moratoria </span><span class=\"SD6C SA7 S2\" id=\"t20_49\">(3,397) </span><span class=\"SD6D SB S2\" id=\"t21_49\">Net amortised cost after modification </span><span class=\"SD6E SB S2\" id=\"t22_49\">308,609 </span><span class=\"S583 SB S2\" id=\"t3_50\">NOTE 5: </span><span class=\"SD6F SB S2\" id=\"t4_50\">CASH, AMOUNTS DUE FROM BANKS AND BALANCES WITH THE NATIONAL </span><span class=\"SD70 SB S2\" id=\"t5_50\">BANKS (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t6_50\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_50\">2021 </span><span class=\"SD73 SA7 S2\" id=\"t8_50\">Cash on hand </span><span class=\"SD74 SA7 S2\" id=\"t9_50\">In HUF </span><span class=\"SD75 SA7 S2\" id=\"ta_50\">92,526 </span><span class=\"SD76 SA7 S2\" id=\"tb_50\">87,489 </span><span class=\"SD77 SA7 S2\" id=\"tc_50\">In foreign currency </span><span class=\"SD78 SA7 S2\" id=\"td_50\">582,950 </span><span class=\"SD79 SA7 S2\" id=\"te_50\">409,045 </span><span class=\"SD7A SB S2\" id=\"tf_50\">675,476 </span><span class=\"SD7B SB S2\" id=\"tg_50\">496,534 </span><span class=\"SD7C SA7 S2\" id=\"th_50\">Amounts due from banks and balances with the National Banks </span><span class=\"SD7D SB S2\" id=\"ti_50\">2022 </span><span class=\"SD7E SB S2\" id=\"tj_50\">2021 </span><span class=\"SD7F SA7 S2\" id=\"tk_50\">Within one year </span><span class=\"SD80 SA7 S2\" id=\"tl_50\">In HUF </span><span class=\"SD81 SA7 S2\" id=\"tm_50\">732,956 </span><span class=\"SD82 SA7 S2\" id=\"tn_50\">83,540 </span><span class=\"SD83 SA7 S2\" id=\"to_50\">In foreign currency </span><span class=\"SD84 SA7 S2\" id=\"tp_50\">2,814,663 </span><span class=\"SD85 SA7 S2\" id=\"tq_50\">1,977,069 </span><span class=\"SD86 SB S2\" id=\"tr_50\">3,547,619 </span><span class=\"SD87 SB S2\" id=\"ts_50\">2,060,609 </span><span class=\"SD88 SA7 S2\" id=\"tt_50\">Over one year </span><span class=\"SD89 SA7 S2\" id=\"tu_50\">In HUF </span><span class=\"SD8A SA7 S2\" id=\"tv_50\">- </span><span class=\"SD8B SA7 S2\" id=\"tw_50\">- </span><span class=\"SD8C SA7 S2\" id=\"tx_50\">In foreign currency </span><span class=\"SD8D SA7 S2\" id=\"ty_50\">- </span><span class=\"SD8E SA7 S2\" id=\"tz_50\">- </span><span class=\"SD8F SB S2\" id=\"t10_50\">- </span><span class=\"SD90 SB S2\" id=\"t11_50\">- </span><span class=\"SD91 SA7 S2\" id=\"t12_50\">Loss allowance on amounts due from bank and </span><span class=\"SD92 SA7 S2\" id=\"t13_50\">balances with the National Banks </span><span class=\"SD93 SA7 S2\" id=\"t14_50\">(1,703) </span><span class=\"SD94 SA7 S2\" id=\"t15_50\">(1,108) </span><span class=\"SD95 SB S2\" id=\"t16_50\">Total </span><span class=\"SD96 SB S2\" id=\"t17_50\">4,221,392 </span><span class=\"SD97 SB S2\" id=\"t18_50\">2,556,035 </span><span class=\"SD98 SA7 S2\" id=\"t19_50\">Compulsory reserve set by </span><span class=\"SD99 SA7 S2\" id=\"t1a_50\">the National Banks </span><span class=\"SD9A SA7 S2\" id=\"t1b_50\">(1,623,704) </span><span class=\"SD9B SA7 S2\" id=\"t1c_50\">(854,474) </span><span class=\"SD9C SB S2\" id=\"t1d_50\">Cash and cash equivalents </span><span class=\"SD9D SB S2\" id=\"t1e_50\">2,597,688 </span><span class=\"SD9E SB S2\" id=\"t1f_50\">1,701,561 </span><span class=\"SD9F SA7 S2\" id=\"t1g_50\">Foreign subsidiary banks within the Group have to comply with country specific regulation of local National </span><span class=\"SDA0 SA7 S2\" id=\"t1h_50\">Banks. Each country within the Group has its own regulation for compulsory reserve calculation and maintenance. </span><span class=\"SDA1 SA7 S2\" id=\"t1i_50\">Based on those banks are obliged to place compulsory reserve at their National Bank in a specified percentage of </span><span class=\"SDA2 SA7 S2\" id=\"t1j_50\">their liabilities considered in compulsory reserve calculation. </span><span class=\"SDA3 SA7 S2\" id=\"t1k_50\">An analysis of the change in the loss allowance on amounts from banks and balances with the National Banks is </span><span class=\"SDA4 SA7 S2\" id=\"t1l_50\">as follows: </span><span class=\"SDA5 SB S2\" id=\"t1m_50\">2022 </span><span class=\"SDA6 SB S2\" id=\"t1n_50\">2021 </span><span class=\"SDA7 SB S2\" id=\"t1o_50\">Balance as at 1 January </span><span class=\"SDA8 SB S2\" id=\"t1p_50\">1,108 </span><span class=\"SDA9 SB S2\" id=\"t1q_50\">- </span><span class=\"SDAA SA7 S2\" id=\"t1r_50\">Loss allowance for the period </span><span class=\"SDAB SA7 S2\" id=\"t1s_50\">8,072 </span><span class=\"SDAC SA7 S2\" id=\"t1t_50\">952 </span><span class=\"SDAD SA7 S2\" id=\"t1u_50\">Release of loss allowance for the period </span><span class=\"SDAE SA7 S2\" id=\"t1v_50\">(7,697) </span><span class=\"SDAF SA7 S2\" id=\"t1w_50\">- </span><span class=\"SDB0 SA7 S2\" id=\"t1x_50\">Use of loss allowance for the period </span><span class=\"SDB1 SA7 S2\" id=\"t1y_50\">- </span><span class=\"SDB2 SA7 S2\" id=\"t1z_50\">- </span><span class=\"SDB3 SA7 S2\" id=\"t20_50\">Foreign currency translation difference </span><span class=\"SDB4 SA7 S2\" id=\"t21_50\">220 </span><span class=\"SDB5 SA7 S2\" id=\"t22_50\">156 </span><span class=\"SDB6 SB S2\" id=\"t23_50\">Closing balance </span><span class=\"SDB7 SB S2\" id=\"t24_50\">1,703 </span><span class=\"SDB8 SB S2\" id=\"t25_50\">1,108 </span><span class=\"S583 SB S2\" id=\"t3_51\">NOTE 6: </span><span class=\"SDB9 SB S2\" id=\"t4_51\">PLACEMENTS WITH OTHER BANKS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_51\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_51\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_51\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_51\">In HUF </span><span class=\"SDBE SA7 S2\" id=\"t9_51\">681,892 </span><span class=\"SDBF SA7 S2\" id=\"ta_51\">851,053 </span><span class=\"SDC0 SA7 S2\" id=\"tb_51\">In foreign currency </span><span class=\"SDC1 SA7 S2\" id=\"tc_51\">447,648 </span><span class=\"SDC2 SA7 S2\" id=\"td_51\">523,205 </span><span class=\"SDC3 SB S2\" id=\"te_51\">1,129,540 </span><span class=\"SDC4 SB S2\" id=\"tf_51\">1,374,258 </span><span class=\"SDC5 SA7 S2\" id=\"tg_51\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_51\">In HUF </span><span class=\"SDC7 SA7 S2\" id=\"ti_51\">199,056 </span><span class=\"SDC8 SA7 S2\" id=\"tj_51\">162,774 </span><span class=\"SDC9 SA7 S2\" id=\"tk_51\">In foreign currency </span><span class=\"SDCA SA7 S2\" id=\"tl_51\">26,323 </span><span class=\"SDCB SA7 S2\" id=\"tm_51\">50,823 </span><span class=\"SDCC SB S2\" id=\"tn_51\">225,379 </span><span class=\"SDCD SB S2\" id=\"to_51\">213,597 </span><span class=\"SDCE SA7 S2\" id=\"tp_51\">Loss allowance on placements </span><span class=\"SDCF SA7 S2\" id=\"tq_51\">(3,837) </span><span class=\"SDD0 SA7 S2\" id=\"tr_51\">(2,994) </span><span class=\"SDD1 SB S2\" id=\"ts_51\">Total </span><span class=\"SDD2 SB S2\" id=\"tt_51\">1,351,082 </span><span class=\"SDD3 SB S2\" id=\"tu_51\">1,584,861 </span><span class=\"SDD4 SA7 S2\" id=\"tv_51\">An analysis of the change in the loss allowance on placements with other banks is as follows: </span><span class=\"SDD5 SB S2\" id=\"tw_51\">2022 </span><span class=\"SDD6 SB S2\" id=\"tx_51\">2021 </span><span class=\"SDD7 SB S2\" id=\"ty_51\">Balance as at 1 January </span><span class=\"SDD8 SB S2\" id=\"tz_51\">2,994 </span><span class=\"SDD9 SB S2\" id=\"t10_51\">1,489 </span><span class=\"SDDA SA7 S2\" id=\"t11_51\">Loss allowance for the period </span><span class=\"SDDB SA7 S2\" id=\"t12_51\">38,314 </span><span class=\"SDDC SA7 S2\" id=\"t13_51\">25,133 </span><span class=\"SDDD SA7 S2\" id=\"t14_51\">Release of loss allowance for the period </span><span class=\"SDDE SA7 S2\" id=\"t15_51\">(38,378) </span><span class=\"SDDF SA7 S2\" id=\"t16_51\">(23,613) </span><span class=\"SDE0 SA7 S2\" id=\"t17_51\">Use of loss allowance for the period </span><span class=\"SDE1 SA7 S2\" id=\"t18_51\">(100) </span><span class=\"SDE2 SA7 S2\" id=\"t19_51\">(112) </span><span class=\"SDE3 SA7 S2\" id=\"t1a_51\">Foreign currency translation difference </span><span class=\"SDE4 SA7 S2\" id=\"t1b_51\">1,007 </span><span class=\"SDE5 SA7 S2\" id=\"t1c_51\">97 </span><span class=\"SDE6 SB S2\" id=\"t1d_51\">Closing balance </span><span class=\"SDE7 SB S2\" id=\"t1e_51\">3,837 </span><span class=\"SDE8 SB S2\" id=\"t1f_51\">2,994 </span><span class=\"SDE9 SA7 S2\" id=\"t1g_51\">Interest conditions of placements with other banks: </span><span class=\"SDEA SB S2\" id=\"t1h_51\">2022 </span><span class=\"SDEB SB S2\" id=\"t1i_51\">2021 </span><span class=\"SDEC SA7 S2\" id=\"t1j_51\">Interest rates on placements with other banks </span><span class=\"SDED SA7 S2\" id=\"t1k_51\">denominated in HUF </span><span class=\"SDEE SA7 S2\" id=\"t1l_51\">0.00% - 25.70% </span><span class=\"SDEF SA7 S2\" id=\"t1m_51\">(1.50)% - 5.90% </span><span class=\"SDF0 SA7 S2\" id=\"t1n_51\">Interest rates on placements with other banks </span><span class=\"SDF1 SA7 S2\" id=\"t1o_51\">denominated in foreign currency </span><span class=\"SDF2 SA7 S2\" id=\"t1p_51\">(1.5)% - 13.29% </span><span class=\"SDF3 SA7 S2\" id=\"t1q_51\">(5.00)% - 29.00% </span><span class=\"SDF4 SB S2\" id=\"t1r_51\">2022 </span><span class=\"SDF5 SB S2\" id=\"t1s_51\">2021 </span><span class=\"SDF6 SA7 S2\" id=\"t1t_51\">Average interest rates on placements </span><span class=\"SDF7 SA7 S2\" id=\"t1u_51\">with other banks (%) </span><span class=\"SDF8 SA7 S2\" id=\"t1v_51\">11.02% </span><span class=\"SDF9 SA7 S2\" id=\"t1w_51\">1.52% </span><span class=\"S583 SB S2\" id=\"t3_52\">NOTE 7: </span><span class=\"SDFA SB S2\" id=\"t4_52\">REPO RECEIVABLES (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t5_52\">2022 </span><span class=\"SD72 SB S2\" id=\"t6_52\">2021 </span><span class=\"SDFB SA7 S2\" id=\"t7_52\">Within one year </span><span class=\"SD74 SA7 S2\" id=\"t8_52\">In HUF </span><span class=\"SD75 SA7 S2\" id=\"t9_52\">41,250 </span><span class=\"SD76 SA7 S2\" id=\"ta_52\">33,710 </span><span class=\"SDFC SA7 S2\" id=\"tb_52\">In foreign currency </span><span class=\"SDFD SA7 S2\" id=\"tc_52\">- </span><span class=\"SDFE SA7 S2\" id=\"td_52\">27,632 </span><span class=\"SDFF SB S2\" id=\"te_52\">41,250 </span><span class=\"SE00 SB S2\" id=\"tf_52\">61,342 </span><span class=\"SE01 SA7 S2\" id=\"tg_52\">Over one year </span><span class=\"SE02 SA7 S2\" id=\"th_52\">In HUF </span><span class=\"SE03 SA7 S2\" id=\"ti_52\">- </span><span class=\"SE04 SA7 S2\" id=\"tj_52\">- </span><span class=\"SE05 SA7 S2\" id=\"tk_52\">In foreign currency </span><span class=\"SE06 SA7 S2\" id=\"tl_52\">- </span><span class=\"SE07 SA7 S2\" id=\"tm_52\">- </span><span class=\"SE08 SB S2\" id=\"tn_52\">- </span><span class=\"SE09 SB S2\" id=\"to_52\">- </span><span class=\"SE0A SA7 S2\" id=\"tp_52\">Loss allowance on repo receivables </span><span class=\"SE0B SA7 S2\" id=\"tq_52\">(241) </span><span class=\"SE0C SA7 S2\" id=\"tr_52\">(290) </span><span class=\"SE0D SB S2\" id=\"ts_52\">Total </span><span class=\"SE0E SB S2\" id=\"tt_52\">41,009 </span><span class=\"SE0F SB S2\" id=\"tu_52\">61,052 </span><span class=\"SE10 SA7 S2\" id=\"tv_52\">An analysis of the change in the loss allowance on repo receivables is as follows: </span><span class=\"SE11 SB S2\" id=\"tw_52\">2022 </span><span class=\"SE12 SB S2\" id=\"tx_52\">2021 </span><span class=\"SE13 SB S2\" id=\"ty_52\">Balance as at 1 January </span><span class=\"SE14 SB S2\" id=\"tz_52\">290 </span><span class=\"SE15 SB S2\" id=\"t10_52\">292 </span><span class=\"SE16 SA7 S2\" id=\"t11_52\">Loss allowance for the period </span><span class=\"SE17 SA7 S2\" id=\"t12_52\">4,744 </span><span class=\"SE18 SA7 S2\" id=\"t13_52\">1,112 </span><span class=\"SE19 SA7 S2\" id=\"t14_52\">Release of loss allowance for the period </span><span class=\"SE1A SA7 S2\" id=\"t15_52\">(4,794) </span><span class=\"SE1B SA7 S2\" id=\"t16_52\">(1,124) </span><span class=\"SE1C SA7 S2\" id=\"t17_52\">Use of loss allowance </span><span class=\"SE1D SA7 S2\" id=\"t18_52\">- </span><span class=\"SE1E SA7 S2\" id=\"t19_52\">- </span><span class=\"SE1F SA7 S2\" id=\"t1a_52\">Foreign currency translation difference </span><span class=\"SE20 SA7 S2\" id=\"t1b_52\">1 </span><span class=\"SE21 SA7 S2\" id=\"t1c_52\">10 </span><span class=\"SE22 SB S2\" id=\"t1d_52\">Closing balance </span><span class=\"SE23 SB S2\" id=\"t1e_52\">241 </span><span class=\"SE24 SB S2\" id=\"t1f_52\">290 </span><span class=\"SE25 SA7 S2\" id=\"t1g_52\">Interest conditions of repo receivables (%): </span><span class=\"SE26 SB S2\" id=\"t1h_52\">2022 </span><span class=\"SE27 SB S2\" id=\"t1i_52\">2021 </span><span class=\"SE28 SA7 S2\" id=\"t1j_52\">Interest rates on repo receivables denominated </span><span class=\"SE29 SA7 S2\" id=\"t1k_52\">in HUF </span><span class=\"SE2A SA7 S2\" id=\"t1l_52\">10.70% - 18.00% </span><span class=\"SE2B SA7 S2\" id=\"t1m_52\">3.04% - 3.20 % </span><span class=\"SE2C SA7 S2\" id=\"t1n_52\">Interest rates on repo receivables denominated </span><span class=\"SE2D SA7 S2\" id=\"t1o_52\">in foreign currency </span><span class=\"SE2E SA7 S2\" id=\"t1p_52\">- </span><span class=\"SE2F SA7 S2\" id=\"t1q_52\">(0.58)% - 9.62% </span><span class=\"S583 SB S2\" id=\"t3_53\">NOTE 8: </span><span class=\"S6B1 SB S2\" id=\"t4_53\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_53\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_53\">2021 </span><span class=\"SE30 SB S2\" id=\"t7_53\">Securities held for trading </span><span class=\"SE31 SA7 S2\" id=\"t8_53\">Government bonds </span><span class=\"SE32 SA7 S2\" id=\"t9_53\">78,897 </span><span class=\"SE33 SA7 S2\" id=\"ta_53\">97,531 </span><span class=\"SE34 SA7 S2\" id=\"tb_53\">Equity instruments and fund units </span><span class=\"SE35 SA7 S2\" id=\"tc_53\">385 </span><span class=\"SE36 SA7 S2\" id=\"td_53\">1,173 </span><span class=\"SE37 SA7 S2\" id=\"te_53\">Corporate bonds </span><span class=\"SE38 SA7 S2\" id=\"tf_53\">119 </span><span class=\"SE39 SA7 S2\" id=\"tg_53\">740 </span><span class=\"SE3A SA7 S2\" id=\"th_53\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"ti_53\">22,896 </span><span class=\"SE3C SA7 S2\" id=\"tj_53\">923 </span><span class=\"SE3D SA7 S2\" id=\"tk_53\">Mortgage bonds </span><span class=\"SE3E SA7 S2\" id=\"tl_53\">72 </span><span class=\"SE3F SA7 S2\" id=\"tm_53\">101 </span><span class=\"SDC9 SA7 S2\" id=\"tn_53\">Other interest-bearing securities </span><span class=\"SE40 SA7 S2\" id=\"to_53\">1,628 </span><span class=\"SE41 SA7 S2\" id=\"tp_53\">1,347 </span><span class=\"SE42 SA7 S2\" id=\"tq_53\">Other non-interest-bearing securities </span><span class=\"SE43 SA7 S2\" id=\"tr_53\">753 </span><span class=\"SE44 SA7 S2\" id=\"ts_53\">1,695 </span><span class=\"SE45 SB S2\" id=\"tt_53\">104,750 </span><span class=\"SE46 SB S2\" id=\"tu_53\">103,510 </span><span class=\"SE47 SB S2\" id=\"tv_53\">Non-trading securities mandatorily at </span><span class=\"SE48 SB S2\" id=\"tw_53\">fair value through profit or loss </span><span class=\"SE49 SA7 S2\" id=\"tx_53\">Equity instruments, shares and open-ended fund units </span><span class=\"SE4A SA7 S2\" id=\"ty_53\">49,746 </span><span class=\"SE4B SA7 S2\" id=\"tz_53\">44,894 </span><span class=\"SE4C SA7 S2\" id=\"t10_53\">Bonds </span><span class=\"SE4D SA7 S2\" id=\"t11_53\">5,409 </span><span class=\"SE4E SA7 S2\" id=\"t12_53\">8,509 </span><span class=\"SE4F SB S2\" id=\"t13_53\">55,155 </span><span class=\"SE50 SB S2\" id=\"t14_53\">53,403 </span><span class=\"SE51 SB S2\" id=\"t15_53\">Debt securities designated at </span><span class=\"SE52 SB S2\" id=\"t16_53\">fair value through profit or loss </span><span class=\"SE53 SB S2\" id=\"t17_53\">- </span><span class=\"SE54 SB S2\" id=\"t18_53\">- </span><span class=\"SE55 SB S2\" id=\"t19_53\">Total </span><span class=\"SE56 SB S2\" id=\"t1a_53\">159,905 </span><span class=\"SE57 SB S2\" id=\"t1b_53\">156,913 </span><span class=\"SE58 SB S2\" id=\"t1c_53\">Positive fair value of derivative financial assets held for trading </span><span class=\"SE59 SB S2\" id=\"t1d_53\">2022 </span><span class=\"SE5A SB S2\" id=\"t1e_53\">2021 </span><span class=\"S6CB SA7 S2\" id=\"t1f_53\">Foreign exchange swaps held for trading </span><span class=\"SE5B SA7 S2\" id=\"t1g_53\">79,395 </span><span class=\"SE5C SA7 S2\" id=\"t1h_53\">38,728 </span><span class=\"SE5D SA7 S2\" id=\"t1i_53\">Interest rate swaps held for trading </span><span class=\"SE5E SA7 S2\" id=\"t1j_53\">127,230 </span><span class=\"SE5F SA7 S2\" id=\"t1k_53\">59,504 </span><span class=\"SE60 SA7 S2\" id=\"t1l_53\">Commodity swaps </span><span class=\"SE61 SA7 S2\" id=\"t1m_53\">33,693 </span><span class=\"SE62 SA7 S2\" id=\"t1n_53\">51,523 </span><span class=\"SE63 SA7 S2\" id=\"t1o_53\">CCIRS and mark-to-market CCIRS </span><span class=\"SE64 SA7 S2\" id=\"t1p_53\">held-for-trading </span><span class=\"SE65 SE8B S2\" id=\"t1q_53\">1 </span><span class=\"SE66 SA7 S2\" id=\"t1r_53\">20,512 </span><span class=\"SE67 SA7 S2\" id=\"t1s_53\">11,758 </span><span class=\"SE68 SA7 S2\" id=\"t1t_53\">Foreign exchange forward contracts held for trading </span><span class=\"SE69 SA7 S2\" id=\"t1u_53\">13,085 </span><span class=\"SE6A SA7 S2\" id=\"t1v_53\">10,790 </span><span class=\"SE6B SA7 S2\" id=\"t1w_53\">Held-for-trading option contracts </span><span class=\"SE6C SA7 S2\" id=\"t1x_53\">2,122 </span><span class=\"SE6D SA7 S2\" id=\"t1y_53\">1,285 </span><span class=\"SE6E SA7 S2\" id=\"t1z_53\">Held-for-trading forward security agreement </span><span class=\"SE6F SA7 S2\" id=\"t20_53\">13 </span><span class=\"SE70 SA7 S2\" id=\"t21_53\">- </span><span class=\"SE71 SA7 S2\" id=\"t22_53\">Other derivative transactions held for trading </span><span class=\"SE72 SE8B S2\" id=\"t23_53\">2 </span><span class=\"SE73 SA7 S2\" id=\"t24_53\">432 </span><span class=\"SE74 SA7 S2\" id=\"t25_53\">10,896 </span><span class=\"SE75 SB S2\" id=\"t26_53\">Total </span><span class=\"SE76 SB S2\" id=\"t27_53\">276,482 </span><span class=\"SE77 SB S2\" id=\"t28_53\">184,484 </span><span class=\"SE78 SB S2\" id=\"t29_53\">Total </span><span class=\"SE79 SB S2\" id=\"t2a_53\">436,387 </span><span class=\"SE7A SB S2\" id=\"t2b_53\">341,397 </span><span class=\"SE7B S482 S2\" id=\"t2c_53\">1 </span><span class=\"SE7C S483 S2\" id=\"t2d_53\">CCIRS: Cross Currency Interest Rate Swaps (See Note 2.6.3.) </span><span class=\"SE7D S482 S2\" id=\"t2e_53\">2 </span><span class=\"SE7E S483 S2\" id=\"t2f_53\">Other category includes: fx spot, equity swaps, option and index futures. </span><span class=\"SE7F SA7 S2\" id=\"t2g_53\">An analysis of securities held for trading portfolio by currency (%): </span><span class=\"SE80 SB S2\" id=\"t2h_53\">2022 </span><span class=\"SE81 SB S2\" id=\"t2i_53\">2021 </span><span class=\"SE82 SA7 S2\" id=\"t2j_53\">Denominated in HUF </span><span class=\"SE83 SA7 S2\" id=\"t2k_53\">81.47% </span><span class=\"SE84 SA7 S2\" id=\"t2l_53\">30.46% </span><span class=\"SE85 SA7 S2\" id=\"t2m_53\">Denominated in foreign currency </span><span class=\"SE86 SA7 S2\" id=\"t2n_53\">18.53% </span><span class=\"SE87 SA7 S2\" id=\"t2o_53\">69.54% </span><span class=\"SE88 SB S2\" id=\"t2p_53\">Total </span><span class=\"SE89 SB S2\" id=\"t2q_53\">100.0% </span><span class=\"SE8A SB S2\" id=\"t2r_53\">100.0% </span><span class=\"S583 SB S2\" id=\"t3_54\">NOTE 8: </span><span class=\"SE8C SB S2\" id=\"t4_54\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_54\">[continued] </span><span class=\"SE8D SA7 S2\" id=\"t6_54\">An analysis of government bond portfolio by currency (%): </span><span class=\"SE8E SB S2\" id=\"t7_54\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_54\">2021 </span><span class=\"SE90 SA7 S2\" id=\"t9_54\">Denominated in HUF </span><span class=\"SE91 SA7 S2\" id=\"ta_54\">78.42% </span><span class=\"SE92 SA7 S2\" id=\"tb_54\">28.31% </span><span class=\"SE93 SA7 S2\" id=\"tc_54\">Denominated in foreign currency </span><span class=\"SE94 SA7 S2\" id=\"td_54\">21.58% </span><span class=\"SE95 SA7 S2\" id=\"te_54\">71.69% </span><span class=\"SE96 SB S2\" id=\"tf_54\">Total </span><span class=\"SE97 SB S2\" id=\"tg_54\">100.00% </span><span class=\"SE98 SB S2\" id=\"th_54\">100.00% </span><span class=\"SE99 SA7 S2\" id=\"ti_54\">Interest conditions of held for trading securities (%): </span><span class=\"SE9A SB S2\" id=\"tj_54\">2022 </span><span class=\"SE9B SB S2\" id=\"tk_54\">2021 </span><span class=\"SE9C SA7 S2\" id=\"tl_54\">Interest rates on securities held for trading </span><span class=\"SE9D SA7 S2\" id=\"tm_54\">denominated in HUF </span><span class=\"SE9E SA7 S2\" id=\"tn_54\">0.00% - 16.69% </span><span class=\"SE9F SA7 S2\" id=\"to_54\">0.00% - 6.75% </span><span class=\"SEA0 SA7 S2\" id=\"tp_54\">Interest rates on securities held for trading </span><span class=\"SEA1 SA7 S2\" id=\"tq_54\">denominated in foreign currency </span><span class=\"SEA2 SA7 S2\" id=\"tr_54\">0.00% - 7.63% </span><span class=\"SEA3 SA7 S2\" id=\"ts_54\">0.00% - 9.57% </span><span class=\"SEA4 SA7 S2\" id=\"tt_54\">Interest conditions and the remaining maturities of </span><span class=\"SEA5 SB S2\" id=\"tu_54\">securities held for trading </span><span class=\"SEA6 SA7 S2\" id=\"tv_54\">can be analysed as follows: </span><span class=\"SEA7 SB S2\" id=\"tw_54\">2022 </span><span class=\"SEA8 SB S2\" id=\"tx_54\">2021 </span><span class=\"SEA9 SA7 S2\" id=\"ty_54\">Within one year </span><span class=\"SEAA SA7 S2\" id=\"tz_54\">With variable interest </span><span class=\"SEAB SA7 S2\" id=\"t10_54\">3,041 </span><span class=\"SEAC SA7 S2\" id=\"t11_54\">111 </span><span class=\"SEAD SA7 S2\" id=\"t12_54\">With fixed interest </span><span class=\"SEAE SA7 S2\" id=\"t13_54\">29,025 </span><span class=\"SEAF SA7 S2\" id=\"t14_54\">44,011 </span><span class=\"SEB0 SB S2\" id=\"t15_54\">32,066 </span><span class=\"SEB1 SB S2\" id=\"t16_54\">44,122 </span><span class=\"SEB2 SA7 S2\" id=\"t17_54\">Over one year </span><span class=\"SEB3 SA7 S2\" id=\"t18_54\">With variable interest </span><span class=\"SEB4 SA7 S2\" id=\"t19_54\">9,535 </span><span class=\"SEB5 SA7 S2\" id=\"t1a_54\">1,544 </span><span class=\"SEB6 SA7 S2\" id=\"t1b_54\">With fixed interest </span><span class=\"SEB7 SA7 S2\" id=\"t1c_54\">62,011 </span><span class=\"SEB8 SA7 S2\" id=\"t1d_54\">54,976 </span><span class=\"SEB9 SB S2\" id=\"t1e_54\">71,546 </span><span class=\"SEBA SB S2\" id=\"t1f_54\">56,520 </span><span class=\"SEBB SA7 S2\" id=\"t1g_54\">Non-interest-bearing securities </span><span class=\"SEBC SA7 S2\" id=\"t1h_54\">1,138 </span><span class=\"SEBD SA7 S2\" id=\"t1i_54\">2,868 </span><span class=\"SEBE SB S2\" id=\"t1j_54\">Total </span><span class=\"SEBF SB S2\" id=\"t1k_54\">104,750 </span><span class=\"SEC0 SB S2\" id=\"t1l_54\">103,510 </span><span class=\"SEC1 SB S2\" id=\"t1m_54\">2022 </span><span class=\"SEC2 SB S2\" id=\"t1n_54\">2021 </span><span class=\"SEC3 SA7 S2\" id=\"t1o_54\">Profit from associates from shares measured </span><span class=\"SEC4 SA7 S2\" id=\"t1p_54\">at fair value through profit or loss </span><span class=\"SEC5 SA7 S2\" id=\"t1q_54\">12,216 </span><span class=\"SEC6 SA7 S2\" id=\"t1r_54\">3,893 </span><span class=\"SEC7 SA7 S2\" id=\"t1s_54\">An analysis of </span><span class=\"SEC8 SB S2\" id=\"t1t_54\">non-trading securities </span><span class=\"SEC9 SA7 S2\" id=\"t1u_54\">mandatorily measured at fair value through profit or loss portfolio by </span><span class=\"SECA SA7 S2\" id=\"t1v_54\">currency (%): </span><span class=\"SECB SB S2\" id=\"t1w_54\">2022 </span><span class=\"SECC SB S2\" id=\"t1x_54\">2021 </span><span class=\"SECD SA7 S2\" id=\"t1y_54\">Denominated in HUF </span><span class=\"SECE SA7 S2\" id=\"t1z_54\">60.69% </span><span class=\"SECF SA7 S2\" id=\"t20_54\">57.11% </span><span class=\"SED0 SA7 S2\" id=\"t21_54\">Denominated in foreign currency </span><span class=\"SED1 SA7 S2\" id=\"t22_54\">39.31% </span><span class=\"SED2 SA7 S2\" id=\"t23_54\">42.89% </span><span class=\"SED3 SB S2\" id=\"t24_54\">Total </span><span class=\"SED4 SB S2\" id=\"t25_54\">100.00% </span><span class=\"SED5 SB S2\" id=\"t26_54\">100.00% </span><span class=\"SED6 SB S2\" id=\"t27_54\">2022 </span><span class=\"SED7 SB S2\" id=\"t28_54\">2021 </span><span class=\"SED8 SA7 S2\" id=\"t29_54\">Interest rates on non-trading securities mandatorily </span><span class=\"SED9 SA7 S2\" id=\"t2a_54\">measured at fair value through profit or loss </span><span class=\"SEDA SA7 S2\" id=\"t2b_54\">0.00% - 0.00% </span><span class=\"SEDB SA7 S2\" id=\"t2c_54\">0.00% - 0.00% </span><span class=\"SEDC SB S2\" id=\"t3_55\">NOTE 9: </span><span class=\"SEDD SB S2\" id=\"t4_55\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (in </span><span class=\"SEDE SB S2\" id=\"t5_55\">HUF mn) </span><span class=\"SEDF SB S2\" id=\"t6_55\">2022 </span><span class=\"SEE0 SB S2\" id=\"t7_55\">2021 </span><span class=\"SEE1 SB S2\" id=\"t8_55\">Securities at fair value through other </span><span class=\"SEE2 SB S2\" id=\"t9_55\">comprehensive income </span><span class=\"SEE3 SA7 S2\" id=\"ta_55\">Government bonds </span><span class=\"SEE4 SA7 S2\" id=\"tb_55\">1,301,179 </span><span class=\"SEE5 SA7 S2\" id=\"tc_55\">1,765,172 </span><span class=\"SEE6 SA7 S2\" id=\"td_55\">Corporate bonds </span><span class=\"SE3B SA7 S2\" id=\"te_55\">82,651 </span><span class=\"SEE7 SA7 S2\" id=\"tf_55\">88,519 </span><span class=\"SEE8 SA7 S2\" id=\"tg_55\">Listed securities: </span><span class=\"SEE9 SF33 S2\" id=\"th_55\">In HUF </span><span class=\"SEEA SF33 S2\" id=\"ti_55\">- </span><span class=\"SEEB SF33 S2\" id=\"tj_55\">2,896 </span><span class=\"SEEC SF33 S2\" id=\"tk_55\">In foreign currency </span><span class=\"SEED SF33 S2\" id=\"tl_55\">13,626 </span><span class=\"SEEE SF33 S2\" id=\"tm_55\">51,882 </span><span class=\"SEEF SB S2\" id=\"tn_55\">13,626 </span><span class=\"SEF0 SB S2\" id=\"to_55\">54,778 </span><span class=\"SEF1 SA7 S2\" id=\"tp_55\">Non-listed securities: </span><span class=\"SEF2 SF33 S2\" id=\"tq_55\">In HUF </span><span class=\"SEF3 SF33 S2\" id=\"tr_55\">14,304 </span><span class=\"SEF4 SF33 S2\" id=\"ts_55\">15,487 </span><span class=\"SEF5 SF33 S2\" id=\"tt_55\">In foreign currency </span><span class=\"SEF6 SF33 S2\" id=\"tu_55\">54,721 </span><span class=\"SEF7 SF33 S2\" id=\"tv_55\">18,254 </span><span class=\"SEF8 SB S2\" id=\"tw_55\">69,025 </span><span class=\"SEF9 SB S2\" id=\"tx_55\">33,741 </span><span class=\"SEFA SA7 S2\" id=\"ty_55\">Mortgage bonds </span><span class=\"SEFB SA7 S2\" id=\"tz_55\">54,553 </span><span class=\"SEFC SA7 S2\" id=\"t10_55\">63,072 </span><span class=\"SEFD SA7 S2\" id=\"t11_55\">Discounted Treasury bills </span><span class=\"SEFE SA7 S2\" id=\"t12_55\">- </span><span class=\"SEFF SA7 S2\" id=\"t13_55\">96,625 </span><span class=\"SF00 SA7 S2\" id=\"t14_55\">Interest bearing treasury bills </span><span class=\"SF01 SA7 S2\" id=\"t15_55\">182,726 </span><span class=\"SF02 SA7 S2\" id=\"t16_55\">63,115 </span><span class=\"SF03 SA7 S2\" id=\"t17_55\">Securities issued by the National Bank of Hungary </span><span class=\"SF04 SA7 S2\" id=\"t18_55\">74,867 </span><span class=\"SF05 SA7 S2\" id=\"t19_55\">109,774 </span><span class=\"SF06 SA7 S2\" id=\"t1a_55\">Other securities </span><span class=\"SF07 SA7 S2\" id=\"t1b_55\">3,470 </span><span class=\"SF08 SA7 S2\" id=\"t1c_55\">3,257 </span><span class=\"SF09 SB S2\" id=\"t1d_55\">Total </span><span class=\"SF0A SB S2\" id=\"t1e_55\">1,699,446 </span><span class=\"SF0B SB S2\" id=\"t1f_55\">2,189,534 </span><span class=\"SF0C SB S2\" id=\"t1g_55\">2022 </span><span class=\"SF0D SB S2\" id=\"t1h_55\">2021 </span><span class=\"SF0E SB S2\" id=\"t1i_55\">Non-trading equity instruments to be measured </span><span class=\"SF0F SB S2\" id=\"t1j_55\">at fair value through other comprehensive income </span><span class=\"SF10 SA7 S2\" id=\"t1k_55\">Listed securities: </span><span class=\"SF11 SF33 S2\" id=\"t1l_55\">In HUF </span><span class=\"SF12 SF33 S2\" id=\"t1m_55\">- </span><span class=\"SF13 SF33 S2\" id=\"t1n_55\">- </span><span class=\"SF14 SF33 S2\" id=\"t1o_55\">In foreign currency </span><span class=\"SF15 SF33 S2\" id=\"t1p_55\">11,233 </span><span class=\"SF16 SF33 S2\" id=\"t1q_55\">8,416 </span><span class=\"SF17 SB S2\" id=\"t1r_55\">11,233 </span><span class=\"SF18 SB S2\" id=\"t1s_55\">8,416 </span><span class=\"SF19 SA7 S2\" id=\"t1t_55\">Non-listed securities: </span><span class=\"SF1A SF33 S2\" id=\"t1u_55\">In HUF </span><span class=\"SF1B SF33 S2\" id=\"t1v_55\">403 </span><span class=\"SF1C SF33 S2\" id=\"t1w_55\">403 </span><span class=\"SF1D SF33 S2\" id=\"t1x_55\">In foreign currency </span><span class=\"SF1E SF33 S2\" id=\"t1y_55\">28,521 </span><span class=\"SF1F SF33 S2\" id=\"t1z_55\">26,157 </span><span class=\"SF20 SB S2\" id=\"t20_55\">28,924 </span><span class=\"SF21 SB S2\" id=\"t21_55\">26,560 </span><span class=\"SF22 SB S2\" id=\"t22_55\">40,157 </span><span class=\"SF23 SB S2\" id=\"t23_55\">34,976 </span><span class=\"SF24 SB S2\" id=\"t24_55\">Total </span><span class=\"SF25 SB S2\" id=\"t25_55\">1,739,603 </span><span class=\"SF26 SB S2\" id=\"t26_55\">2,224,510 </span><span class=\"SF27 SA7 S2\" id=\"t27_55\">An analysis of securities at fair value through other comprehensive income by currency (%): </span><span class=\"SF28 SB S2\" id=\"t28_55\">2022 </span><span class=\"SF29 SB S2\" id=\"t29_55\">2021 </span><span class=\"SF2A SA7 S2\" id=\"t2a_55\">Denominated in HUF </span><span class=\"SF2B SA7 S2\" id=\"t2b_55\">36.47% </span><span class=\"SF2C SA7 S2\" id=\"t2c_55\">32.74% </span><span class=\"SF2D SA7 S2\" id=\"t2d_55\">Denominated in foreign currency </span><span class=\"SF2E SA7 S2\" id=\"t2e_55\">63.53% </span><span class=\"SF2F SA7 S2\" id=\"t2f_55\">67.26% </span><span class=\"SF30 SB S2\" id=\"t2g_55\">Total </span><span class=\"SF31 SB S2\" id=\"t2h_55\">100.00% </span><span class=\"SF32 SB S2\" id=\"t2i_55\">100.00% </span><span class=\"S583 SB S2\" id=\"t3_56\">NOTE 9: </span><span class=\"SF34 SB S2\" id=\"t4_56\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME </span><span class=\"SF35 SB S2\" id=\"t5_56\">(in HUF mn) [continued] </span><span class=\"SF36 SA7 S2\" id=\"t6_56\">Detailed information of the non-trading equity instruments to be measured at fair value through other </span><span class=\"SF37 SA7 S2\" id=\"t7_56\">comprehensive income: </span><span class=\"SF38 SB S2\" id=\"t8_56\">2022 </span><span class=\"SF39 SB S2\" id=\"t9_56\">2021 </span><span class=\"SF3A SB S2\" id=\"ta_56\">Strategic investments closely related to banking actitvity </span><span class=\"SF3B SA7 S2\" id=\"tb_56\">Fair value </span><span class=\"SF3C SA7 S2\" id=\"tc_56\">31,873 </span><span class=\"SF3D SA7 S2\" id=\"td_56\">29,320 </span><span class=\"SF3E SA7 S2\" id=\"te_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF3F SA7 S2\" id=\"tf_56\">1,120 </span><span class=\"SF40 SA7 S2\" id=\"tg_56\">438 </span><span class=\"SF41 SA7 S2\" id=\"th_56\">Derecognition </span><span class=\"SF42 SA7 S2\" id=\"ti_56\">Fair value of derecognized equity instrument, fund units </span><span class=\"SF43 SA7 S2\" id=\"tj_56\">- </span><span class=\"SF44 SA7 S2\" id=\"tk_56\">65 </span><span class=\"SF45 SA7 S2\" id=\"tl_56\">Cumulative gain / loss on disposal </span><span class=\"SF46 SA7 S2\" id=\"tm_56\">transferred to retained earnings </span><span class=\"SF47 SA7 S2\" id=\"tn_56\">- </span><span class=\"SF48 SA7 S2\" id=\"to_56\">29 </span><span class=\"SF49 SB S2\" id=\"tp_56\">Other strategic investments </span><span class=\"SF4A SA7 S2\" id=\"tq_56\">Fair value </span><span class=\"SF4B SA7 S2\" id=\"tr_56\">8,284 </span><span class=\"SF4C SA7 S2\" id=\"ts_56\">5,656 </span><span class=\"SF4D SA7 S2\" id=\"tt_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF4E SA7 S2\" id=\"tu_56\">59 </span><span class=\"SF4F SA7 S2\" id=\"tv_56\">29 </span><span class=\"SF50 SA7 S2\" id=\"tw_56\">Derecognition </span><span class=\"SF51 SA7 S2\" id=\"tx_56\">Cumulative gain / loss on disposal </span><span class=\"SF52 SA7 S2\" id=\"ty_56\">transferred to retained earnings </span><span class=\"SF53 SA7 S2\" id=\"tz_56\">- </span><span class=\"SF54 SA7 S2\" id=\"t10_56\">196 </span><span class=\"SF55 SB S2\" id=\"t11_56\">Total </span><span class=\"SF56 SB S2\" id=\"t12_56\">Total fair values </span><span class=\"SF57 SB S2\" id=\"t13_56\">40,157 </span><span class=\"SF58 SB S2\" id=\"t14_56\">34,976 </span><span class=\"SF59 SB S2\" id=\"t15_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF5A SB S2\" id=\"t16_56\">1,179 </span><span class=\"SF5B SB S2\" id=\"t17_56\">467 </span><span class=\"SF5C SB S2\" id=\"t18_56\">Fair value of derecognized equity instrument, fund units </span><span class=\"SF5D SB S2\" id=\"t19_56\">- </span><span class=\"SF5E SB S2\" id=\"t1a_56\">65 </span><span class=\"SF5F SB S2\" id=\"t1b_56\">Cumulative gain / loss on disposal </span><span class=\"SF60 SB S2\" id=\"t1c_56\">transferred to retained earnings </span><span class=\"SF61 SB S2\" id=\"t1d_56\">- </span><span class=\"SF62 SB S2\" id=\"t1e_56\">225 </span><span class=\"SF63 S5B9 S2\" id=\"t1f_56\">During the year ended 31 December 2022 there wasn\u2019t any sale transaction regarding equity instruments </span><span class=\"SF64 SA7 S2\" id=\"t1g_56\">designated to measure at fair value through other comprehensive income in the Group while during the year ended </span><span class=\"SF65 SA7 S2\" id=\"t1h_56\">31 December 2021 the Group sold HUF 65 million equity instruments designated to measure at fair value through </span><span class=\"SF66 SA7 S2\" id=\"t1i_56\">other comprehensive income </span><span class=\"SF67 SA7 S2\" id=\"t1j_56\">An analysis of government bonds by currency (%): </span><span class=\"SF68 SB S2\" id=\"t1k_56\">2022 </span><span class=\"SF69 SB S2\" id=\"t1l_56\">2021 </span><span class=\"SF6A SA7 S2\" id=\"t1m_56\">Denominated in HUF </span><span class=\"SF6B SA7 S2\" id=\"t1n_56\">23.64% </span><span class=\"SF6C SA7 S2\" id=\"t1o_56\">24.29% </span><span class=\"SF6D SA7 S2\" id=\"t1p_56\">Denominated in foreign currency </span><span class=\"SF6E SA7 S2\" id=\"t1q_56\">76.36% </span><span class=\"SF6F SA7 S2\" id=\"t1r_56\">75.71% </span><span class=\"SF70 SB S2\" id=\"t1s_56\">Total </span><span class=\"SF71 SB S2\" id=\"t1t_56\">100.00% </span><span class=\"SF72 SB S2\" id=\"t1u_56\">100.00% </span><span class=\"SF73 SA7 S2\" id=\"t1v_56\">Interest conditions of the security portfolio at fair value through other comprehensive income are as follows (%): </span><span class=\"SF74 SB S2\" id=\"t1w_56\">2022 </span><span class=\"SF75 SB S2\" id=\"t1x_56\">2021 </span><span class=\"SF76 SA7 S2\" id=\"t1y_56\">Interest rates on securities at fair value through </span><span class=\"SF77 SA7 S2\" id=\"t1z_56\">other comprehensive income denominated in HUF </span><span class=\"SF78 SA7 S2\" id=\"t20_56\">1.50% - 15.11% </span><span class=\"SF79 SA7 S2\" id=\"t21_56\">1.25% - 7.00% </span><span class=\"SF7A SA7 S2\" id=\"t22_56\">Interest rates on securities at fair value through </span><span class=\"SF7B SA7 S2\" id=\"t23_56\">other comprehensive income denominated </span><span class=\"SF7C SA7 S2\" id=\"t24_56\">in foreign currency </span><span class=\"SF7D SA7 S2\" id=\"t25_56\">0.00% - 18.24% </span><span class=\"SF7E SA7 S2\" id=\"t26_56\">0.00% - 17.25% </span><span class=\"SF7F SB S2\" id=\"t27_56\">2022 </span><span class=\"SF80 SB S2\" id=\"t28_56\">2021 </span><span class=\"SF81 SA7 S2\" id=\"t29_56\">Average interest rates securities at fair value through </span><span class=\"SF82 SA7 S2\" id=\"t2a_56\">other comprehensive income denominated in HUF (%) </span><span class=\"SF83 SA7 S2\" id=\"t2b_56\">3.31% </span><span class=\"SF84 SA7 S2\" id=\"t2c_56\">2.00% </span><span class=\"SF85 SA7 S2\" id=\"t2d_56\">Average interest rates on securities at fair value </span><span class=\"SF86 SA7 S2\" id=\"t2e_56\">through other comprehensive income denominated </span><span class=\"SF87 SA7 S2\" id=\"t2f_56\">in foreign currency (%) </span><span class=\"SF88 SA7 S2\" id=\"t2g_56\">2.55% </span><span class=\"SF89 SA7 S2\" id=\"t2h_56\">2.51% </span><span class=\"S583 SB S2\" id=\"t3_57\">NOTE 9: </span><span class=\"SF34 SB S2\" id=\"t4_57\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME </span><span class=\"SF35 SB S2\" id=\"t5_57\">(in HUF mn) [continued] </span><span class=\"SF8A SA7 S2\" id=\"t6_57\">Interest conditions and the remaining maturities of securities at fair value through other comprehensive income </span><span class=\"SF8B SA7 S2\" id=\"t7_57\">can be analysed as follows: </span><span class=\"SF38 SB S2\" id=\"t8_57\">2022 </span><span class=\"SF39 SB S2\" id=\"t9_57\">2021 </span><span class=\"SF8C SA7 S2\" id=\"ta_57\">Within one year </span><span class=\"SF8D SA7 S2\" id=\"tb_57\">With variable interest </span><span class=\"SF3C SA7 S2\" id=\"tc_57\">15,124 </span><span class=\"SF8E SA7 S2\" id=\"td_57\">1,091 </span><span class=\"SF8F SA7 S2\" id=\"te_57\">With fixed interest </span><span class=\"SF90 SA7 S2\" id=\"tf_57\">507,888 </span><span class=\"SF91 SA7 S2\" id=\"tg_57\">522,939 </span><span class=\"SF92 SB S2\" id=\"th_57\">523,012 </span><span class=\"SF93 SB S2\" id=\"ti_57\">524,030 </span><span class=\"SF94 SA7 S2\" id=\"tj_57\">Over one year </span><span class=\"SF95 SA7 S2\" id=\"tk_57\">With variable interest </span><span class=\"SF96 SA7 S2\" id=\"tl_57\">28,523 </span><span class=\"SF97 SA7 S2\" id=\"tm_57\">51,211 </span><span class=\"SF98 SA7 S2\" id=\"tn_57\">With fixed interest </span><span class=\"SF99 SA7 S2\" id=\"to_57\">1,147,911 </span><span class=\"SF9A SA7 S2\" id=\"tp_57\">1,614,293 </span><span class=\"SF9B SB S2\" id=\"tq_57\">1,176,434 </span><span class=\"SF9C SB S2\" id=\"tr_57\">1,665,504 </span><span class=\"SF9D SA7 S2\" id=\"ts_57\">Non-interest-bearing securities </span><span class=\"SF9E SA7 S2\" id=\"tt_57\">40,157 </span><span class=\"SF9F SA7 S2\" id=\"tu_57\">34,976 </span><span class=\"SFA0 SB S2\" id=\"tv_57\">Total </span><span class=\"SFA1 SB S2\" id=\"tw_57\">1,739,603 </span><span class=\"SFA2 SB S2\" id=\"tx_57\">2,224,510 </span><span class=\"SFA3 SA7 S2\" id=\"ty_57\">Certain securities are hedged against interest rate risk. See Note 37.4. </span><span class=\"SFA4 SB S2\" id=\"t3_58\">NOTE 10: </span><span class=\"SFA5 SB S2\" id=\"t4_58\">SECURITIES AT AMORTIZED COST (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_58\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_58\">2021 </span><span class=\"SFA6 SA7 S2\" id=\"t7_58\">Government bonds </span><span class=\"SFA7 SA7 S2\" id=\"t8_58\">4,375,085 </span><span class=\"SFA8 SA7 S2\" id=\"t9_58\">3,651,508 </span><span class=\"SFA9 SA7 S2\" id=\"ta_58\">Corporate bonds </span><span class=\"SFAA SA7 S2\" id=\"tb_58\">250,538 </span><span class=\"SDC2 SA7 S2\" id=\"tc_58\">172,526 </span><span class=\"SFAB SA7 S2\" id=\"td_58\">Bonds of Hungarian National Bank </span><span class=\"SFAC SA7 S2\" id=\"te_58\">177,679 </span><span class=\"SFAD SA7 S2\" id=\"tf_58\">- </span><span class=\"SFAE SA7 S2\" id=\"tg_58\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"th_58\">19,539 </span><span class=\"SEE7 SA7 S2\" id=\"ti_58\">15,705 </span><span class=\"SFAF SA7 S2\" id=\"tj_58\">Mortgage bonds </span><span class=\"SFB0 SA7 S2\" id=\"tk_58\">24,586 </span><span class=\"SFB1 SA7 S2\" id=\"tl_58\">24,356 </span><span class=\"SFB2 SA7 S2\" id=\"tm_58\">Interest bearing Treasury bills </span><span class=\"SE40 SA7 S2\" id=\"tn_58\">4,977 </span><span class=\"SFB3 SA7 S2\" id=\"to_58\">- </span><span class=\"SFB4 SA7 S2\" id=\"tp_58\">Other securities </span><span class=\"SEED SA7 S2\" id=\"tq_58\">82,583 </span><span class=\"SEEE SA7 S2\" id=\"tr_58\">36,353 </span><span class=\"SFB5 SB S2\" id=\"ts_58\">4,934,987 </span><span class=\"SFB6 SB S2\" id=\"tt_58\">3,900,448 </span><span class=\"SFB7 SA7 S2\" id=\"tu_58\">Loss allowance on securities at amortized cost </span><span class=\"SFB8 SA7 S2\" id=\"tv_58\">(43,049) </span><span class=\"SFB9 SA7 S2\" id=\"tw_58\">(9,113) </span><span class=\"SFBA SB S2\" id=\"tx_58\">Total </span><span class=\"SFBB SB S2\" id=\"ty_58\">4,891,938 </span><span class=\"SFBC SB S2\" id=\"tz_58\">3,891,335 </span><span class=\"SFBD SA7 S2\" id=\"t10_58\">Interest conditions and the remaining maturities of securities at amortized cost can be analysed as follows: </span><span class=\"SFBE SB S2\" id=\"t11_58\">2022 </span><span class=\"SFBF SB S2\" id=\"t12_58\">2021 </span><span class=\"SFC0 SA7 S2\" id=\"t13_58\">Within one year </span><span class=\"SFC1 SA7 S2\" id=\"t14_58\">With variable interest </span><span class=\"SFC2 SA7 S2\" id=\"t15_58\">159 </span><span class=\"SFC3 SA7 S2\" id=\"t16_58\">8,101 </span><span class=\"SFC4 SA7 S2\" id=\"t17_58\">With fixed interest </span><span class=\"SFC5 SA7 S2\" id=\"t18_58\">951,773 </span><span class=\"SFC6 SA7 S2\" id=\"t19_58\">480,296 </span><span class=\"SFC7 SB S2\" id=\"t1a_58\">951,932 </span><span class=\"SFC8 SB S2\" id=\"t1b_58\">488,397 </span><span class=\"SFC9 SA7 S2\" id=\"t1c_58\">Over one year </span><span class=\"SFCA SA7 S2\" id=\"t1d_58\">With variable interest </span><span class=\"SFCB SA7 S2\" id=\"t1e_58\">25,753 </span><span class=\"SFCC SA7 S2\" id=\"t1f_58\">5,122 </span><span class=\"SFCD SA7 S2\" id=\"t1g_58\">With fixed interest </span><span class=\"SFCE SA7 S2\" id=\"t1h_58\">3,957,302 </span><span class=\"SFCF SA7 S2\" id=\"t1i_58\">3,406,929 </span><span class=\"SFD0 SB S2\" id=\"t1j_58\">3,983,055 </span><span class=\"SFD1 SB S2\" id=\"t1k_58\">3,412,051 </span><span class=\"SFD2 SB S2\" id=\"t1l_58\">Total </span><span class=\"SFD3 SB S2\" id=\"t1m_58\">4,934,987 </span><span class=\"SFD4 SB S2\" id=\"t1n_58\">3,900,448 </span><span class=\"SFD5 SA7 S2\" id=\"t1o_58\">An analysis of securities at amortized cost by currency (%): </span><span class=\"SFD6 SB S2\" id=\"t1p_58\">2022 </span><span class=\"SFD7 SB S2\" id=\"t1q_58\">2021 </span><span class=\"SFD8 SA7 S2\" id=\"t1r_58\">Denominated in HUF </span><span class=\"SFD9 SA7 S2\" id=\"t1s_58\">63.50% </span><span class=\"SFDA SA7 S2\" id=\"t1t_58\">75.42% </span><span class=\"SFDB SA7 S2\" id=\"t1u_58\">Denominated in foreign currency </span><span class=\"SFDC SA7 S2\" id=\"t1v_58\">36.50% </span><span class=\"SFDD SA7 S2\" id=\"t1w_58\">24.58% </span><span class=\"SFDE SB S2\" id=\"t1x_58\">Total </span><span class=\"SFDF SB S2\" id=\"t1y_58\">100.00% </span><span class=\"SFE0 SB S2\" id=\"t1z_58\">100.00% </span><span class=\"SFE1 SA7 S2\" id=\"t20_58\">Interest conditions of securities at amortized cost (%): </span><span class=\"SFE2 SB S2\" id=\"t21_58\">2022 </span><span class=\"SFE3 SB S2\" id=\"t22_58\">2021 </span><span class=\"SFE4 SA7 S2\" id=\"t23_58\">Interest rates of securities at amortized cost </span><span class=\"SFE5 SA7 S2\" id=\"t24_58\">with variable interest </span><span class=\"SFE6 SA7 S2\" id=\"t25_58\">0.75% </span><span class=\"SFE7 SA7 S2\" id=\"t26_58\">- 17.74% </span><span class=\"SFE8 SA7 S2\" id=\"t27_58\">1.20% - 2.08% </span><span class=\"SFE9 SA7 S2\" id=\"t28_58\">Interest rates of securities at amortized cost </span><span class=\"SFEA SA7 S2\" id=\"t29_58\">with fixed interest </span><span class=\"SFEB SA7 S2\" id=\"t2a_58\">0.00% - 23.00% </span><span class=\"SFEC SA7 S2\" id=\"t2b_58\">0.00% - 9.00% </span><span class=\"SFED SB S2\" id=\"t2c_58\">2022 </span><span class=\"SFEE SB S2\" id=\"t2d_58\">2021 </span><span class=\"SFEF SA7 S2\" id=\"t2e_58\">Average interest rates on securities </span><span class=\"SFF0 SA7 S2\" id=\"t2f_58\">at amortized cost denominated in HUF (%) </span><span class=\"SFF1 SA7 S2\" id=\"t2g_58\">3.31% </span><span class=\"SFF2 SA7 S2\" id=\"t2h_58\">2.46% </span><span class=\"SFA4 SB S2\" id=\"t3_59\">NOTE 10: </span><span class=\"SFF3 SB S2\" id=\"t4_59\">SECURITIES AT AMORTIZED COST (in HUF mn) [continued] </span><span class=\"SFF4 SA7 S2\" id=\"t5_59\">An analysis of the change in the loss allowance on securities at amortized cost is as follows: </span><span class=\"SE8E SB S2\" id=\"t6_59\">2022 </span><span class=\"SE8F SB S2\" id=\"t7_59\">2021 </span><span class=\"SFF5 SB S2\" id=\"t8_59\">Balance as at 1 January </span><span class=\"SFF6 SB S2\" id=\"t9_59\">9,113 </span><span class=\"SFF7 SB S2\" id=\"ta_59\">5,657 </span><span class=\"SFF8 SA7 S2\" id=\"tb_59\">Opening change due to modification </span><span class=\"SFF9 SA7 S2\" id=\"tc_59\">- </span><span class=\"SFFA SA7 S2\" id=\"td_59\">1,281 </span><span class=\"SFFB SB S2\" id=\"te_59\">Balance as at 1 January after modification </span><span class=\"SFFC SB S2\" id=\"tf_59\">9,113 </span><span class=\"SFFD SB S2\" id=\"tg_59\">6,938 </span><span class=\"SFFE SA7 S2\" id=\"th_59\">Loss allowance for the period </span><span class=\"SFFF SA7 S2\" id=\"ti_59\">37,104 </span><span class=\"S1000 SA7 S2\" id=\"tj_59\">6,634 </span><span class=\"S1001 SA7 S2\" id=\"tk_59\">Release of loss allowance </span><span class=\"S1002 SA7 S2\" id=\"tl_59\">(5,603) </span><span class=\"S1003 SA7 S2\" id=\"tm_59\">(3,621) </span><span class=\"S1004 SA7 S2\" id=\"tn_59\">Use of loss allowance </span><span class=\"S1005 SA7 S2\" id=\"to_59\">- </span><span class=\"S1006 SA7 S2\" id=\"tp_59\">(992) </span><span class=\"S1007 SA7 S2\" id=\"tq_59\">Foreign currency translation difference </span><span class=\"S1008 SA7 S2\" id=\"tr_59\">2,435 </span><span class=\"S1009 SA7 S2\" id=\"ts_59\">154 </span><span class=\"S100A SB S2\" id=\"tt_59\">Closing balance </span><span class=\"S100B SB S2\" id=\"tu_59\">43,049 </span><span class=\"S100C SB S2\" id=\"tv_59\">9,113 </span><span class=\"SFA4 SB S2\" id=\"t3_60\">NOTE 11: </span><span class=\"S100D SB S2\" id=\"t4_60\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) </span><span class=\"S100E SB S2\" id=\"t5_60\">Loans at amortized cost </span><span class=\"SD71 SB S2\" id=\"t6_60\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_60\">2021 </span><span class=\"S100F SA7 S2\" id=\"t8_60\">Within one year </span><span class=\"S1010 SA7 S2\" id=\"t9_60\">In HUF </span><span class=\"S1011 SA7 S2\" id=\"ta_60\">1,422,663 </span><span class=\"S1012 SA7 S2\" id=\"tb_60\">1,243,635 </span><span class=\"S1013 SA7 S2\" id=\"tc_60\">In foreign currency </span><span class=\"S1014 SA7 S2\" id=\"td_60\">3,672,023 </span><span class=\"S1015 SA7 S2\" id=\"te_60\">2,901,682 </span><span class=\"S1016 SB S2\" id=\"tf_60\">5,094,686 </span><span class=\"S1017 SB S2\" id=\"tg_60\">4,145,317 </span><span class=\"S1018 SA7 S2\" id=\"th_60\">Over one year </span><span class=\"S1019 SA7 S2\" id=\"ti_60\">In HUF </span><span class=\"S101A SA7 S2\" id=\"tj_60\">2,425,793 </span><span class=\"S101B SA7 S2\" id=\"tk_60\">2,359,485 </span><span class=\"S101C SA7 S2\" id=\"tl_60\">In foreign currency </span><span class=\"S101D SA7 S2\" id=\"tm_60\">9,540,339 </span><span class=\"S101E SA7 S2\" id=\"tn_60\">7,840,375 </span><span class=\"S101F SB S2\" id=\"to_60\">11,966,132 </span><span class=\"S1020 SB S2\" id=\"tp_60\">10,199,860 </span><span class=\"S1021 SB S2\" id=\"tq_60\">17,060,818 </span><span class=\"S1022 SB S2\" id=\"tr_60\">14,345,177 </span><span class=\"S1023 SA7 S2\" id=\"ts_60\">Loss allowance on loans </span><span class=\"S1024 SA7 S2\" id=\"tt_60\">(966,360) </span><span class=\"S1025 SA7 S2\" id=\"tu_60\">(851,994) </span><span class=\"S1026 SB S2\" id=\"tv_60\">Total </span><span class=\"S1027 SB S2\" id=\"tw_60\">16,094,458 </span><span class=\"S1028 SB S2\" id=\"tx_60\">13,493,183 </span><span class=\"S1029 SA7 S2\" id=\"ty_60\">An analysis of the gross loan portfolio at amortized cost by currency (%): </span><span class=\"S102A SB S2\" id=\"tz_60\">2022 </span><span class=\"S102B SB S2\" id=\"t10_60\">2021 </span><span class=\"S102C SA7 S2\" id=\"t11_60\">In HUF </span><span class=\"S102D SA7 S2\" id=\"t12_60\">22.56% </span><span class=\"S102E SA7 S2\" id=\"t13_60\">25.12% </span><span class=\"S102F SA7 S2\" id=\"t14_60\">In foreign currency </span><span class=\"S1030 SA7 S2\" id=\"t15_60\">77.44% </span><span class=\"S1031 SA7 S2\" id=\"t16_60\">74.88% </span><span class=\"S1032 SB S2\" id=\"t17_60\">Total </span><span class=\"S1033 SB S2\" id=\"t18_60\">100.00% </span><span class=\"S1034 SB S2\" id=\"t19_60\">100.00% </span><span class=\"S1035 SA7 S2\" id=\"t1a_60\">Interest rates of the loan portfolio at amortized cost are as follows: </span><span class=\"S1036 SB S2\" id=\"t1b_60\">2022 </span><span class=\"S1037 SB S2\" id=\"t1c_60\">2021 </span><span class=\"S1038 SA7 S2\" id=\"t1d_60\">Loans at amortized cost denominated in HUF </span><span class=\"S1039 SE8B S2\" id=\"t1e_60\">1 </span><span class=\"S103A SA7 S2\" id=\"t1f_60\">0.00% - 43.70% </span><span class=\"S103B SA7 S2\" id=\"t1g_60\">0.00% - 52.00% </span><span class=\"S103C SA7 S2\" id=\"t1h_60\">Loans at amortized cost denominated in foreign currency </span><span class=\"S103D SE8B S2\" id=\"t1i_60\">2 </span><span class=\"S103E SA7 S2\" id=\"t1j_60\">(0.10)% - 90.00% </span><span class=\"S103F SA7 S2\" id=\"t1k_60\">(0.59)% - 90.00% </span><span class=\"S1040 S482 S2\" id=\"t1l_60\">1 </span><span class=\"S1041 S483 S2\" id=\"t1m_60\">The highest interest rate relates to HUF loan is overdraft loan, both in the current and in the previous years. </span><span class=\"S1042 S482 S2\" id=\"t1n_60\">2 </span><span class=\"S1043 S483 S2\" id=\"t1o_60\">The highest interest rate relates to loan in foreign currency regarding POS services in Russia both in the current and in the previous years. </span><span class=\"S1044 SB S2\" id=\"t1p_60\">2022 </span><span class=\"S1045 SB S2\" id=\"t1q_60\">2021 </span><span class=\"S1046 SA7 S2\" id=\"t1r_60\">Average interest rates on loans at amortized cost </span><span class=\"S1047 SA7 S2\" id=\"t1s_60\">denominated in HUF (%) </span><span class=\"S1048 SA7 S2\" id=\"t1t_60\">8.65% </span><span class=\"S1049 SA7 S2\" id=\"t1u_60\">6.23% </span><span class=\"S104A SA7 S2\" id=\"t1v_60\">Average interest rates on loans at amortized cost </span><span class=\"S104B SA7 S2\" id=\"t1w_60\">denominated in foreign currency (%) </span><span class=\"S104C SA7 S2\" id=\"t1x_60\">5.47% </span><span class=\"S104D SA7 S2\" id=\"t1y_60\">4.79% </span><span class=\"S104E SA7 S2\" id=\"t1z_60\">The amount of those loans which were written-off in the current year but they are still subject to enforcement </span><span class=\"S104F SA7 S2\" id=\"t20_60\">activity to be collected is still going on were HUF 117,357 million and HUF 104,940 million as at 31 December </span><span class=\"S1050 SA7 S2\" id=\"t21_60\">2022 and 2021, respectively. </span><span class=\"SFA4 SB S2\" id=\"t3_61\">NOTE 11: </span><span class=\"S1051 SB S2\" id=\"t4_61\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) [continued] </span><span class=\"S1052 SA7 S2\" id=\"t5_61\">An analysis of the change in the loss allowance on loans is as follows: </span><span class=\"S1053 SB S2\" id=\"t6_61\">2022 </span><span class=\"S1054 SB S2\" id=\"t7_61\">2021 </span><span class=\"S1055 SB S2\" id=\"t8_61\">Balance as at 1 January </span><span class=\"S1056 SB S2\" id=\"t9_61\">851,994 </span><span class=\"S1057 SB S2\" id=\"ta_61\">829,543 </span><span class=\"S1058 SA7 S2\" id=\"tb_61\">Opening change due to modification </span><span class=\"S1059 SA7 S2\" id=\"tc_61\">- </span><span class=\"S105A SA7 S2\" id=\"td_61\">(1,281) </span><span class=\"S105B SB S2\" id=\"te_61\">Balance as at 1 January after modification </span><span class=\"S105C SB S2\" id=\"tf_61\">851,994 </span><span class=\"S105D SB S2\" id=\"tg_61\">828,262 </span><span class=\"S105E SF33 S2\" id=\"th_61\">Loss allowance for the period </span><span class=\"S105F SF33 S2\" id=\"ti_61\">676,389 </span><span class=\"S1060 SF33 S2\" id=\"tj_61\">546,284 </span><span class=\"S1061 SF33 S2\" id=\"tk_61\">Release of loss allowance </span><span class=\"S1062 SF33 S2\" id=\"tl_61\">(469,929) </span><span class=\"S1063 SF33 S2\" id=\"tm_61\">(464,888) </span><span class=\"S1064 SA7 S2\" id=\"tn_61\">Loss allowance in the current period </span><span class=\"S1065 SA7 S2\" id=\"to_61\">206,460 </span><span class=\"S1066 SA7 S2\" id=\"tp_61\">81,396 </span><span class=\"S1067 SA7 S2\" id=\"tq_61\">from this: effect of change in parameters </span><span class=\"S1068 SA7 S2\" id=\"tr_61\">used for loss allowance calculation </span><span class=\"S1069 SA7 S2\" id=\"ts_61\">10,276 </span><span class=\"S106A SA7 S2\" id=\"tt_61\">(60,531) </span><span class=\"S106B SA7 S2\" id=\"tu_61\">Use of loss allowance </span><span class=\"S106C SA7 S2\" id=\"tv_61\">(92,004) </span><span class=\"S106D SA7 S2\" id=\"tw_61\">(66,784) </span><span class=\"S106E SA7 S2\" id=\"tx_61\">Partial write-off </span><span class=\"S106F SE8B S2\" id=\"ty_61\">1 </span><span class=\"S1070 SA7 S2\" id=\"tz_61\">(67,651) </span><span class=\"S1071 SA7 S2\" id=\"t10_61\">(17,936) </span><span class=\"S1072 SA7 S2\" id=\"t11_61\">Unwinding </span><span class=\"S1073 SA7 S2\" id=\"t12_61\">- </span><span class=\"S1074 SA7 S2\" id=\"t13_61\">345 </span><span class=\"S1075 SA7 S2\" id=\"t14_61\">Foreign currency translation difference </span><span class=\"S1076 SA7 S2\" id=\"t15_61\">67,561 </span><span class=\"S1077 SA7 S2\" id=\"t16_61\">26,711 </span><span class=\"S1078 SB S2\" id=\"t17_61\">Closing balance </span><span class=\"S1079 SB S2\" id=\"t18_61\">966,360 </span><span class=\"S107A SB S2\" id=\"t19_61\">851,994 </span><span class=\"S107B S482 S2\" id=\"t1a_61\">1 </span><span class=\"S107C S483 S2\" id=\"t1b_61\">See details in Note 2.11. </span><span class=\"S107D SA7 S2\" id=\"t1c_61\">Movement in loss allowance on loans and placements is summarized as below: </span><span class=\"S107E SB S2\" id=\"t1d_61\">2022 </span><span class=\"S107F SB S2\" id=\"t1e_61\">2021 </span><span class=\"S1080 SA7 S2\" id=\"t1f_61\">Loss allowance on placements and </span><span class=\"S1081 SA7 S2\" id=\"t1g_61\">gains from write-off and sale of placements </span><span class=\"S1082 SA7 S2\" id=\"t1h_61\">(39) </span><span class=\"S1083 SA7 S2\" id=\"t1i_61\">1,664 </span><span class=\"S1084 SA7 S2\" id=\"t1j_61\">Loss allowance on loans and gains from write-off </span><span class=\"S1085 SA7 S2\" id=\"t1k_61\">and sale of loans </span><span class=\"S1086 SA7 S2\" id=\"t1l_61\">114,163 </span><span class=\"S1087 SA7 S2\" id=\"t1m_61\">34,776 </span><span class=\"S1088 SB S2\" id=\"t1n_61\">Total </span><span class=\"S1089 S10A6 S2\" id=\"t1o_61\">2 </span><span class=\"S108A SB S2\" id=\"t1p_61\">114,124 </span><span class=\"S108B SB S2\" id=\"t1q_61\">36,440 </span><span class=\"S108C S482 S2\" id=\"t1r_61\">2 </span><span class=\"S108D S483 S2\" id=\"t1s_61\">See details in Note 31. </span><span class=\"S108E SB S2\" id=\"t1t_61\">Loans mandatorily at fair value through profit or loss </span><span class=\"S108F SB S2\" id=\"t1u_61\">2022 </span><span class=\"S1090 SB S2\" id=\"t1v_61\">2021 </span><span class=\"S1091 SA7 S2\" id=\"t1w_61\">Within one year </span><span class=\"S1092 SA7 S2\" id=\"t1x_61\">In HUF </span><span class=\"S1093 SA7 S2\" id=\"t1y_61\">70,883 </span><span class=\"S1094 SA7 S2\" id=\"t1z_61\">61,537 </span><span class=\"S1095 SA7 S2\" id=\"t20_61\">In foreign currency </span><span class=\"S1096 SA7 S2\" id=\"t21_61\">- </span><span class=\"S1097 SA7 S2\" id=\"t22_61\">- </span><span class=\"S1098 SB S2\" id=\"t23_61\">70,883 </span><span class=\"S1099 SB S2\" id=\"t24_61\">61,537 </span><span class=\"S109A SA7 S2\" id=\"t25_61\">Over one year </span><span class=\"S109B SA7 S2\" id=\"t26_61\">In HUF </span><span class=\"S109C SA7 S2\" id=\"t27_61\">1,176,531 </span><span class=\"S109D SA7 S2\" id=\"t28_61\">1,006,293 </span><span class=\"S109E SA7 S2\" id=\"t29_61\">In foreign currency </span><span class=\"S109F SA7 S2\" id=\"t2a_61\">- </span><span class=\"S10A0 SA7 S2\" id=\"t2b_61\">281 </span><span class=\"S10A1 SB S2\" id=\"t2c_61\">1,176,531 </span><span class=\"S10A2 SB S2\" id=\"t2d_61\">1,006,574 </span><span class=\"S10A3 SB S2\" id=\"t2e_61\">Total </span><span class=\"S10A4 SB S2\" id=\"t2f_61\">1,247,414 </span><span class=\"S10A5 SB S2\" id=\"t2g_61\">1,068,111 </span><span class=\"SFA4 SB S2\" id=\"t3_62\">NOTE 11: </span><span class=\"S10A7 SB S2\" id=\"t4_62\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) [continued] </span><span class=\"S10A8 SA7 S2\" id=\"t5_62\">An analysis of the loan portfolio mandatorily at fair value through profit or loss by currency (%): </span><span class=\"S10A9 SB S2\" id=\"t6_62\">2022 </span><span class=\"S10AA SB S2\" id=\"t7_62\">2021 </span><span class=\"S10AB SA7 S2\" id=\"t8_62\">In HUF </span><span class=\"S10AC SA7 S2\" id=\"t9_62\">100.00% </span><span class=\"S10AD SA7 S2\" id=\"ta_62\">99.17% </span><span class=\"S10AE SA7 S2\" id=\"tb_62\">In foreign currency </span><span class=\"S10AF SA7 S2\" id=\"tc_62\">0.00% </span><span class=\"S10B0 SA7 S2\" id=\"td_62\">0.83% </span><span class=\"S10B1 SB S2\" id=\"te_62\">Total </span><span class=\"S10B2 SB S2\" id=\"tf_62\">100.00% </span><span class=\"S10B3 SB S2\" id=\"tg_62\">100.00% </span><span class=\"S10B4 SA7 S2\" id=\"th_62\">Interest rates of the loan portfolio mandatorily at fair value through profit or loss are as follows (%): </span><span class=\"S10B5 SB S2\" id=\"ti_62\">2022 </span><span class=\"S10B6 SB S2\" id=\"tj_62\">2021 </span><span class=\"S10B7 SA7 S2\" id=\"tk_62\">Interest rates on loans denominated </span><span class=\"S10B8 SA7 S2\" id=\"tl_62\">in HUF </span><span class=\"S10B9 SA7 S2\" id=\"tm_62\">1.12% - 18.26% </span><span class=\"S10BA SA7 S2\" id=\"tn_62\">1.21% - 10.83% </span><span class=\"S10BB SA7 S2\" id=\"to_62\">Interest rates on loans denominated </span><span class=\"S10BC SA7 S2\" id=\"tp_62\">in foreign currency </span><span class=\"S10BD SA7 S2\" id=\"tq_62\">- </span><span class=\"S10BE SA7 S2\" id=\"tr_62\">4.00% - 4.00% </span><span class=\"SEA7 SB S2\" id=\"ts_62\">2022 </span><span class=\"SEA8 SB S2\" id=\"tt_62\">2021 </span><span class=\"S10BF SA7 S2\" id=\"tu_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C0 SA7 S2\" id=\"tv_62\">profit or loss denominated in HUF (%) </span><span class=\"S10C1 SA7 S2\" id=\"tw_62\">4.55% </span><span class=\"S10C2 SA7 S2\" id=\"tx_62\">4.17% </span><span class=\"S10C3 SA7 S2\" id=\"ty_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C4 SA7 S2\" id=\"tz_62\">profit or loss denominated in foreign currency (%) </span><span class=\"S10C5 SA7 S2\" id=\"t10_62\">0.04% </span><span class=\"S10C6 SA7 S2\" id=\"t11_62\">1.82% </span><span class=\"SFA4 SB S2\" id=\"t3_63\">NOTE 12: </span><span class=\"S7A3 SB S2\" id=\"t4_63\">ASSOCIATES AND OTHER INVESTMENTS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_63\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_63\">2021 </span><span class=\"S10C7 SA7 S2\" id=\"t7_63\">Investments </span><span class=\"S10C8 SA7 S2\" id=\"t8_63\">Investments in associates (non-listed) </span><span class=\"SE32 SA7 S2\" id=\"t9_63\">29,010 </span><span class=\"SE33 SA7 S2\" id=\"ta_63\">42,409 </span><span class=\"S10C9 SA7 S2\" id=\"tb_63\">Other investments (non-listed) </span><span class=\"S10CA SA7 S2\" id=\"tc_63\">56,919 </span><span class=\"S10CB SA7 S2\" id=\"td_63\">37,327 </span><span class=\"S10CC SB S2\" id=\"te_63\">85,929 </span><span class=\"S10CD SB S2\" id=\"tf_63\">79,736 </span><span class=\"S10CE SA7 S2\" id=\"tg_63\">Impairment on investments </span><span class=\"S10CF SA7 S2\" id=\"th_63\">(12,080) </span><span class=\"S10D0 SA7 S2\" id=\"ti_63\">(12,514) </span><span class=\"S10D1 SB S2\" id=\"tj_63\">Total </span><span class=\"SEED SB S2\" id=\"tk_63\">73,849 </span><span class=\"SEEE SB S2\" id=\"tl_63\">67,222 </span><span class=\"S10D2 SA7 S2\" id=\"tm_63\">An analysis of the change in the impairment on investments is as follows: </span><span class=\"S10D3 SB S2\" id=\"tn_63\">2022 </span><span class=\"S10D4 SB S2\" id=\"to_63\">2021 </span><span class=\"S10D5 SB S2\" id=\"tp_63\">Balance as at 1 January </span><span class=\"S10D6 SB S2\" id=\"tq_63\">12,514 </span><span class=\"S10D7 SB S2\" id=\"tr_63\">5,864 </span><span class=\"S10D8 SA7 S2\" id=\"ts_63\">Impairment for the period </span><span class=\"S10D9 SA7 S2\" id=\"tt_63\">1,312 </span><span class=\"S10DA SA7 S2\" id=\"tu_63\">7,266 </span><span class=\"S10DB SA7 S2\" id=\"tv_63\">Release of impairment for the period </span><span class=\"S10DC SA7 S2\" id=\"tw_63\">(411) </span><span class=\"S10DD SA7 S2\" id=\"tx_63\">(626) </span><span class=\"S10DE SA7 S2\" id=\"ty_63\">Modification due to merge </span><span class=\"S10DF SA7 S2\" id=\"tz_63\">(1,238) </span><span class=\"S10E0 SA7 S2\" id=\"t10_63\">28 </span><span class=\"S10E1 SA7 S2\" id=\"t11_63\">Use of impairment </span><span class=\"S10E2 SA7 S2\" id=\"t12_63\">- </span><span class=\"S10E3 SA7 S2\" id=\"t13_63\">- </span><span class=\"S10E4 SA7 S2\" id=\"t14_63\">Foreign currency translation difference </span><span class=\"S10E5 SA7 S2\" id=\"t15_63\">(97) </span><span class=\"S10E6 SA7 S2\" id=\"t16_63\">(18) </span><span class=\"S10E7 SB S2\" id=\"t17_63\">Closing balance </span><span class=\"S10E8 SB S2\" id=\"t18_63\">12,080 </span><span class=\"S10E9 SB S2\" id=\"t19_63\">12,514 </span><span class=\"SFA4 SB S2\" id=\"t3_64\">NOTE 13: </span><span class=\"S10EA SB S2\" id=\"t4_64\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) </span><span class=\"S10EB SA7 S2\" id=\"t5_64\">There are different kinds of tangible and intangible assets held by the Group. In the followings there are presented </span><span class=\"S10EC SA7 S2\" id=\"t6_64\">reasons of the changes from opening values to closing ones in the gross values, the accumulated depreciation and </span><span class=\"S10ED SA7 S2\" id=\"t7_64\">amortization and in the impairment of the tangible and intangible assets in the Group. Here can be found </span><span class=\"S10EE SA7 S2\" id=\"t8_64\">information about the fair values of the tangible assets and gross amounts of those assets which were fully </span><span class=\"S8F2 SA7 S2\" id=\"t9_64\">depreciated but which are still in use. </span><span class=\"S10EF SA7 S2\" id=\"ta_64\">Carrying amount of the temporarily idle properties was HUF 3,466 million and HUF 3,057 million as at 31 </span><span class=\"S10F0 SA7 S2\" id=\"tb_64\">December 2022 and 31 December 2021, respectively. </span><span class=\"S10F1 SA7 S2\" id=\"tc_64\">There were no restrictions on title and properties, plants or equipment pledged as security for liabilities as at 31 </span><span class=\"S10F2 SA7 S2\" id=\"td_64\">December 2022 and 2021. </span><span class=\"S10F3 SA7 S2\" id=\"te_64\">As at 31 December 2022 and 2021 the amount of contractual commitments for the acquisition of tangible and </span><span class=\"S5C4 SA7 S2\" id=\"tf_64\">intangible assets was HUF 21,116 million and HUF 1,595 million, respectively. </span><span class=\"S10F4 SA7 S2\" id=\"tg_64\">Impairment for the properties in the current period was needed as a result of the valuation performed by using the </span><span class=\"S10F5 SA7 S2\" id=\"th_64\">comparative value method (market analogy method) with direct comparison to the market price of other similar </span><span class=\"S10F6 SA7 S2\" id=\"ti_64\">properties. Actual market transactions were used based on the 6-month period prior to the valuation date where </span><span class=\"S10F7 S5B9 S2\" id=\"tj_64\">the market price of the analogous property is adjusted by an expert coefficient for market adaptation (\u201cECMA\u201d). </span><span class=\"S10F8 SA7 S2\" id=\"tk_64\">Usually this range is from -25% to +25% and reflects the availability of sufficient market information for similar </span><span class=\"S10F9 SA7 S2\" id=\"tl_64\">items but at these properties ECMA exceeded this range where the circumstances were exceptional although by </span><span class=\"S10FA SA7 S2\" id=\"tm_64\">decision of the appraiser it was used only for unique properties with characteristics similar to the appraised ones, </span><span class=\"S6F5 SA7 S2\" id=\"tn_64\">for which no sufficient market analogues are available. The price was adjusted by coefficients reflecting the area, </span><span class=\"S10FB SA7 S2\" id=\"to_64\">location, size and structure of the property, as well as a weighing factor reflecting the weight of the selected market </span><span class=\"S10FC SA7 S2\" id=\"tp_64\">analogies in the determined fair value. </span><span class=\"S10FD SA7 S2\" id=\"tq_64\">The Bank decided that the recoverable amount of goodwill is determined based on fair value less cost of disposal. </span><span class=\"S10FE SA7 S2\" id=\"tr_64\">When the Bank prepares goodwill impairment tests of the subsidiaries, the two methods which are used based on </span><span class=\"S10FF SA7 S2\" id=\"ts_64\">discounted cash-flow calculation that shows the same result; however, they represent different economical logics. </span><span class=\"S1100 SA7 S2\" id=\"tt_64\">Based on the internal regulation of the Bank as at 31 December 2021 impairment test was prepared where a three- </span><span class=\"S1101 SA7 S2\" id=\"tu_64\">year cash-flow model was applied with an explicit period between 2022-2024. The basis for the estimation was </span><span class=\"S1102 SA7 S2\" id=\"tv_64\">the actual data of May 2022 and based on the prepared medium-term (2022-2024) forecasts. When the Bank </span><span class=\"S1103 SA7 S2\" id=\"tw_64\">prepared the calculations for the period 2022-2024, it considered the actual worldwide economic situations, the </span><span class=\"S1104 SA7 S2\" id=\"tx_64\">expected economic growth for the following years, their possible effects on the financial sector, the plans for </span><span class=\"S1105 SA7 S2\" id=\"ty_64\">growing which result from these, and the expected changes of the mentioned factors. </span><span class=\"SB35 SB S2\" id=\"tz_64\">Present value calculation with the Free Cash-Flow method </span><span class=\"S1106 SA7 S2\" id=\"t10_64\">The Bank calculated the expected cash-flow for the given period based on the expected after-tax profit of the </span><span class=\"S1107 SA7 S2\" id=\"t11_64\">companies. The calculation is highly sensitive to the level of discount rate and growth rate used. As discount factor </span><span class=\"S1108 SA7 S2\" id=\"t12_64\">the Bank uses a zero coupon yield curve derived by the Headquarter Asse-Liability Management department. This </span><span class=\"S1109 S5B9 S2\" id=\"t13_64\">zero coupon curve is estimated for each related countries, based on the countries\u2019 issued bonds and segmented by </span><span class=\"S110A S5B9 S2\" id=\"t14_64\">the issuances\u2019 currencies. By subsidiaries where </span><span class=\"S110B SA7 S2\" id=\"t15_64\">the yield curves were not available (Ukraine) the daily Overnight </span><span class=\"S110C SA7 S2\" id=\"t16_64\">deposit yield was used as a benchmark, provided by National Bank of Ukraine as currently the only available </span><span class=\"S110D SA7 S2\" id=\"t17_64\">proxy for the hryvnia rate. </span><span class=\"S110E SA7 S2\" id=\"t18_64\">The Bank calculated risk premiums on the basis of information from the country risk premiums that are published </span><span class=\"S110F SA7 S2\" id=\"t19_64\">by Aswath Damodaran </span><span class=\"S1110 S5B9 S2\" id=\"t1a_64\">\u2013 </span><span class=\"S1111 S5B9 S2\" id=\"t1b_64\">New York STERN University, according to the Bank\u2019s assumption the risk</span><span class=\"S1112 SA7 S2\" id=\"t1c_64\">-free interest </span><span class=\"S1113 SA7 S2\" id=\"t1d_64\">rate includes the country-dependent risks in an implicit way. </span><span class=\"S1114 SA7 S2\" id=\"t1e_64\">When the subsidiary owns subordinated debt, the discount rate is calculated as a weighted average of the expected </span><span class=\"S1115 S5B9 S2\" id=\"t1f_64\">return on equity presented previously and the subordinated debt\u2019s interest rate. At the end of the calculation, the </span><span class=\"S1116 SA7 S2\" id=\"t1g_64\">value of subordinated debt is being subtracted from t </span><span class=\"S1117 S5B9 S2\" id=\"t1h_64\">he valuations\u2019 result. </span><span class=\"S1118 SA7 S2\" id=\"t1i_64\">The growth rate in the explicit period is the growth rate of the profit after tax adjusted by the interest rate of the </span><span class=\"S1119 SA7 S2\" id=\"t1j_64\">cash and subordinated loans. The supposed growth rates for the periods of residual values reflect the long-term </span><span class=\"S111A SA7 S2\" id=\"t1k_64\">economic expectations in case of every country. </span><span class=\"S111B SA7 S2\" id=\"t1l_64\">The values of the subsidiaries in the FCF method were then calculated as the sum of the discounted cash-flows of </span><span class=\"S111C SA7 S2\" id=\"t1m_64\">the explicit period, the present value of the terminal values and the initial free capital assuming an effective capital </span><span class=\"S111D SA7 S2\" id=\"t1n_64\">structure. </span><span class=\"S111E SB S2\" id=\"t1o_64\">Summary of the impairment test for the year ended 31 December 2022 and 2021 </span><span class=\"S111F SA7 S2\" id=\"t1p_64\">Based on the valuations of the subsidiaries for the year ended 31 December 2022 67,715 million HUF goodwill </span><span class=\"S1120 SA7 S2\" id=\"t1q_64\">impairment was needed to be recorde</span><span class=\"S1121 S5B9 S2\" id=\"t1r_64\">d by the Group for JSC \u201cOTP Bank\u201d (Russia) while for the year ended 31 </span><span class=\"S1122 SA7 S2\" id=\"t1s_64\">December 2021 no goodwill impairment was needed to be recorded by the Group. </span><span class=\"S1123 SB S2\" id=\"t3_65\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_65\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1125 SB S2\" id=\"t5_65\">For the year ended 31 December 2022 </span><span class=\"S1126 SB S2\" id=\"t6_65\">Cost </span><span class=\"S1127 SB S2\" id=\"t7_65\">Intangible </span><span class=\"S1128 SB S2\" id=\"t8_65\">assets </span><span class=\"S1129 SB S2\" id=\"t9_65\">Goodwill </span><span class=\"S112A SB S2\" id=\"ta_65\">Property </span><span class=\"S112B SB S2\" id=\"tb_65\">Machinery and </span><span class=\"S112C SB S2\" id=\"tc_65\">office equipment </span><span class=\"S112D SB S2\" id=\"td_65\">Vehicle </span><span class=\"S112E SB S2\" id=\"te_65\">Construction in </span><span class=\"S112F SB S2\" id=\"tf_65\">progress </span><span class=\"S1130 SB S2\" id=\"tg_65\">Tangible assets subject </span><span class=\"S1131 SB S2\" id=\"th_65\">to operating lease </span><span class=\"S1132 SB S2\" id=\"ti_65\">Total </span><span class=\"S1133 SB S2\" id=\"tj_65\">Balance as at 1 January </span><span class=\"S1134 SB S2\" id=\"tk_65\">408,003 </span><span class=\"S1135 SB S2\" id=\"tl_65\">105,640 </span><span class=\"S1136 SB S2\" id=\"tm_65\">304,922 </span><span class=\"S1137 SB S2\" id=\"tn_65\">243,731 </span><span class=\"S1138 SB S2\" id=\"to_65\">41,252 </span><span class=\"S1139 SB S2\" id=\"tp_65\">67,657 </span><span class=\"S113A SB S2\" id=\"tq_65\">30,833 </span><span class=\"S113B SB S2\" id=\"tr_65\">1,202,038 </span><span class=\"S113C SA7 S2\" id=\"ts_65\">Increase due to acquisition </span><span class=\"S113D SA7 S2\" id=\"tt_65\">706 </span><span class=\"S113E SA7 S2\" id=\"tu_65\">478 </span><span class=\"S113F SA7 S2\" id=\"tv_65\">933 </span><span class=\"S1140 SA7 S2\" id=\"tw_65\">522 </span><span class=\"S1141 SA7 S2\" id=\"tx_65\">- </span><span class=\"S1142 SA7 S2\" id=\"ty_65\">- </span><span class=\"S1143 SA7 S2\" id=\"tz_65\">- </span><span class=\"S1144 SA7 S2\" id=\"t10_65\">2,639 </span><span class=\"S1145 SA7 S2\" id=\"t11_65\">Additions </span><span class=\"S1146 SA7 S2\" id=\"t12_65\">111,397 </span><span class=\"S1147 SA7 S2\" id=\"t13_65\">- </span><span class=\"S1148 SA7 S2\" id=\"t14_65\">66,034 </span><span class=\"S1149 SA7 S2\" id=\"t15_65\">29,709 </span><span class=\"S114A SA7 S2\" id=\"t16_65\">2,728 </span><span class=\"S114B SA7 S2\" id=\"t17_65\">79,638 </span><span class=\"S114C SA7 S2\" id=\"t18_65\">12,892 </span><span class=\"S114D SA7 S2\" id=\"t19_65\">302,398 </span><span class=\"S114E SA7 S2\" id=\"t1a_65\">Foreign currency </span><span class=\"S114F SA7 S2\" id=\"t1b_65\">translation differences </span><span class=\"S1150 SA7 S2\" id=\"t1c_65\">16,350 </span><span class=\"S1151 SA7 S2\" id=\"t1d_65\">3,067 </span><span class=\"S1152 SA7 S2\" id=\"t1e_65\">15,936 </span><span class=\"S1153 SA7 S2\" id=\"t1f_65\">10,951 </span><span class=\"S1154 SA7 S2\" id=\"t1g_65\">408 </span><span class=\"S1155 SA7 S2\" id=\"t1h_65\">316 </span><span class=\"S1156 SA7 S2\" id=\"t1i_65\">1,952 </span><span class=\"S1157 SA7 S2\" id=\"t1j_65\">48,980 </span><span class=\"S1158 SA7 S2\" id=\"t1k_65\">Disposals </span><span class=\"S1159 SA7 S2\" id=\"t1l_65\">(65,036) </span><span class=\"S115A SA7 S2\" id=\"t1m_65\">(12,060) </span><span class=\"S115B SA7 S2\" id=\"t1n_65\">(13,034) </span><span class=\"S115C SA7 S2\" id=\"t1o_65\">(1,100) </span><span class=\"S115D SA7 S2\" id=\"t1p_65\">(94,067) </span><span class=\"S115E SA7 S2\" id=\"t1q_65\">(14,471) </span><span class=\"S115F SA7 S2\" id=\"t1r_65\">(199,768) </span><span class=\"SAF7 SB S2\" id=\"t1s_65\">Closing balance </span><span class=\"S1160 SB S2\" id=\"t1t_65\">471,420 </span><span class=\"S1161 SB S2\" id=\"t1u_65\">109,185 </span><span class=\"S1162 SB S2\" id=\"t1v_65\">375,765 </span><span class=\"S1163 SB S2\" id=\"t1w_65\">271,879 </span><span class=\"S1164 SB S2\" id=\"t1x_65\">43,288 </span><span class=\"S1165 SB S2\" id=\"t1y_65\">53,544 </span><span class=\"S1166 SB S2\" id=\"t1z_65\">31,206 </span><span class=\"S1167 SB S2\" id=\"t20_65\">1,356,287 </span><span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1123 SB S2\" id=\"t3_66\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_66\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1196 SB S2\" id=\"t5_66\">For the year ended 31 December 2022 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_66\">Impairment </span><span class=\"S1198 SB S2\" id=\"t7_66\">Intangible </span><span class=\"S1199 SB S2\" id=\"t8_66\">assets </span><span class=\"S119A SB S2\" id=\"t9_66\">Goodwill </span><span class=\"S119B SB S2\" id=\"ta_66\">Property </span><span class=\"S119C SB S2\" id=\"tb_66\">Machinery and </span><span class=\"S119D SB S2\" id=\"tc_66\">office equipment </span><span class=\"S119E SB S2\" id=\"td_66\">Tangible assets subject </span><span class=\"S119F SB S2\" id=\"te_66\">to operating lease </span><span class=\"S11A0 SB S2\" id=\"tf_66\">Total </span><span class=\"S11A1 SB S2\" id=\"tg_66\">Balance as at 1 January </span><span class=\"S11A2 SB S2\" id=\"th_66\">2,705 </span><span class=\"S11A3 SB S2\" id=\"ti_66\">- </span><span class=\"S11A4 SB S2\" id=\"tj_66\">3,553 </span><span class=\"S11A5 SB S2\" id=\"tk_66\">43 </span><span class=\"S11A6 SB S2\" id=\"tl_66\">137 </span><span class=\"S11A7 SB S2\" id=\"tm_66\">6,438 </span><span class=\"S11A8 SA7 S2\" id=\"tn_66\">Impairment for the period </span><span class=\"S11A9 SA7 S2\" id=\"to_66\">37 </span><span class=\"S11AA SA7 S2\" id=\"tp_66\">67,715 </span><span class=\"S11AB SA7 S2\" id=\"tq_66\">590 </span><span class=\"S11AC SA7 S2\" id=\"tr_66\">- </span><span class=\"S11AD SA7 S2\" id=\"ts_66\">- </span><span class=\"S11AE SA7 S2\" id=\"tt_66\">68,342 </span><span class=\"S6CB SA7 S2\" id=\"tu_66\">Release of impairment for the period </span><span class=\"S11AF SA7 S2\" id=\"tv_66\">- </span><span class=\"S11B0 SA7 S2\" id=\"tw_66\">- </span><span class=\"S11B1 SA7 S2\" id=\"tx_66\">- </span><span class=\"S11B2 SA7 S2\" id=\"ty_66\">(122) </span><span class=\"S11B3 SA7 S2\" id=\"tz_66\">(122) </span><span class=\"S11B4 SA7 S2\" id=\"t10_66\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"t11_66\">translation differences </span><span class=\"S11B6 SA7 S2\" id=\"t12_66\">54 </span><span class=\"S11B7 SA7 S2\" id=\"t13_66\">(26,849) </span><span class=\"S11B8 SA7 S2\" id=\"t14_66\">258 </span><span class=\"S11B9 SA7 S2\" id=\"t15_66\">3 </span><span class=\"S11BA SA7 S2\" id=\"t16_66\">7 </span><span class=\"S11BB SA7 S2\" id=\"t17_66\">(26,527) </span><span class=\"S11BC SA7 S2\" id=\"t18_66\">Use of impairment </span><span class=\"S11BD SA7 S2\" id=\"t19_66\">- </span><span class=\"S11BE SA7 S2\" id=\"t1a_66\">(150) </span><span class=\"S11BF SA7 S2\" id=\"t1b_66\">- </span><span class=\"S11C0 SA7 S2\" id=\"t1c_66\">(3) </span><span class=\"S11C1 SA7 S2\" id=\"t1d_66\">(153) </span><span class=\"S11C2 SB S2\" id=\"t1e_66\">Closing balance </span><span class=\"S11C3 SB S2\" id=\"t1f_66\">2,796 </span><span class=\"S11C4 SB S2\" id=\"t1g_66\">40,866 </span><span class=\"S11C5 SB S2\" id=\"t1h_66\">4,251 </span><span class=\"S11C6 SB S2\" id=\"t1i_66\">46 </span><span class=\"S11C7 SB S2\" id=\"t1j_66\">19 </span><span class=\"S11C8 SB S2\" id=\"t1k_66\">47,978 </span><span class=\"S11C9 SB S2\" id=\"t1l_66\">Intangible </span><span class=\"S11CA SB S2\" id=\"t1m_66\">assets </span><span class=\"S11CB SB S2\" id=\"t1n_66\">Goodwill </span><span class=\"S11CC SB S2\" id=\"t1o_66\">Property </span><span class=\"S11CD SB S2\" id=\"t1p_66\">Machinery and </span><span class=\"S11CE SB S2\" id=\"t1q_66\">office equipment </span><span class=\"S11CF SB S2\" id=\"t1r_66\">Vehicle </span><span class=\"S11D0 SB S2\" id=\"t1s_66\">Construction </span><span class=\"S11D1 SB S2\" id=\"t1t_66\">in progress </span><span class=\"S11D2 SB S2\" id=\"t1u_66\">Tangible assets subject </span><span class=\"S11D3 SB S2\" id=\"t1v_66\">to operating lease </span><span class=\"S11D4 SB S2\" id=\"t1w_66\">Total </span><span class=\"S11D5 SB S2\" id=\"t1x_66\">Carrying value </span><span class=\"S11D6 SB S2\" id=\"t1y_66\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t1z_66\">142,991 </span><span class=\"S11D8 SB S2\" id=\"t20_66\">105,640 </span><span class=\"S11D9 SB S2\" id=\"t21_66\">217,662 </span><span class=\"S11DA SB S2\" id=\"t22_66\">70,550 </span><span class=\"S11DB SB S2\" id=\"t23_66\">34,064 </span><span class=\"S11DC SB S2\" id=\"t24_66\">67,657 </span><span class=\"S11DD SB S2\" id=\"t25_66\">21,203 </span><span class=\"S11DE SB S2\" id=\"t26_66\">659,767 </span><span class=\"S11DF SB S2\" id=\"t27_66\">Closing balance </span><span class=\"S11E0 SB S2\" id=\"t28_66\">168,712 </span><span class=\"S11E1 SB S2\" id=\"t29_66\">68,319 </span><span class=\"S11E2 SB S2\" id=\"t2a_66\">278,226 </span><span class=\"S11E3 SB S2\" id=\"t2b_66\">76,219 </span><span class=\"S11E4 SB S2\" id=\"t2c_66\">34,148 </span><span class=\"S11E5 SB S2\" id=\"t2d_66\">53,544 </span><span class=\"S11E6 SB S2\" id=\"t2e_66\">22,332 </span><span class=\"S11E7 SB S2\" id=\"t2f_66\">701,500 </span><span class=\"S11E8 SB S2\" id=\"t2g_66\">Fair values </span><span class=\"S11E9 SB S2\" id=\"t2h_66\">- </span><span class=\"S11EA SB S2\" id=\"t2i_66\">- </span><span class=\"S11EB SB S2\" id=\"t2j_66\">308,375 </span><span class=\"S11EC SB S2\" id=\"t2k_66\">76,230 </span><span class=\"S11ED SB S2\" id=\"t2l_66\">34,122 </span><span class=\"S11EE SB S2\" id=\"t2m_66\">- </span><span class=\"S11EF SB S2\" id=\"t2n_66\">22,351 </span><span class=\"S11F0 SB S2\" id=\"t2o_66\">441,078 </span><span class=\"S11F1 SB S2\" id=\"t2p_66\">Gross amount of the fully </span><span class=\"S11F2 SB S2\" id=\"t2q_66\">depreciated assets that </span><span class=\"S11F3 SB S2\" id=\"t2r_66\">are still in use </span><span class=\"S11F4 SB S2\" id=\"t2s_66\">152,718 </span><span class=\"S11F5 SB S2\" id=\"t2t_66\">- </span><span class=\"S11F6 SB S2\" id=\"t2u_66\">26,007 </span><span class=\"S11F7 SB S2\" id=\"t2v_66\">144,310 </span><span class=\"S11F8 SB S2\" id=\"t2w_66\">1,504 </span><span class=\"S11F9 SB S2\" id=\"t2x_66\">- </span><span class=\"S11FA SB S2\" id=\"t2y_66\">- </span><span class=\"S11FB SB S2\" id=\"t2z_66\">324,539 </span><span class=\"S11FC SA7 S2\" id=\"t30_66\">An analysis of the intangible assets for the year ended 31 December 2022 is as follows: </span><span class=\"S11FD SB S2\" id=\"t31_66\">Intangible assets </span><span class=\"S11FE SB S2\" id=\"t32_66\">Self-developed </span><span class=\"S11FF SB S2\" id=\"t33_66\">Purchased </span><span class=\"S1200 SB S2\" id=\"t34_66\">Total </span><span class=\"S1201 SA7 S2\" id=\"t35_66\">Gross values </span><span class=\"S1202 SA7 S2\" id=\"t36_66\">14,704 </span><span class=\"S1203 SA7 S2\" id=\"t37_66\">456,716 </span><span class=\"S1204 SA7 S2\" id=\"t38_66\">471,420 </span><span class=\"S1205 SA7 S2\" id=\"t39_66\">Accumulated amortization </span><span class=\"S1206 SA7 S2\" id=\"t3a_66\">(5,508) </span><span class=\"S1207 SA7 S2\" id=\"t3b_66\">(294,404) </span><span class=\"S1208 SA7 S2\" id=\"t3c_66\">(299,912) </span><span class=\"S1209 SA7 S2\" id=\"t3d_66\">Impairment </span><span class=\"S120A SA7 S2\" id=\"t3e_66\">- </span><span class=\"S120B SA7 S2\" id=\"t3f_66\">(2,796) </span><span class=\"S120C SA7 S2\" id=\"t3g_66\">(2,796) </span><span class=\"S120D SB S2\" id=\"t3h_66\">Carrying value </span><span class=\"S120E SB S2\" id=\"t3i_66\">9,196 </span><span class=\"S120F SB S2\" id=\"t3j_66\">159,516 </span><span class=\"S1210 SB S2\" id=\"t3k_66\">168,712 </span><span class=\"S1123 SB S2\" id=\"t3_67\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_67\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1211 SB S2\" id=\"t5_67\">For the year ended 31 December 2022 [continued] </span><span class=\"S1212 SA7 S2\" id=\"t6_67\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1213 S27D S2\" id=\"t7_67\">Subsidiaries </span><span class=\"S1214 S27D S2\" id=\"t8_67\">Carrying </span><span class=\"S1215 S27D S2\" id=\"t9_67\">amounts of the </span><span class=\"S1216 S27D S2\" id=\"ta_67\">subsidiary in </span><span class=\"S1217 S27D S2\" id=\"tb_67\">HUF million </span><span class=\"S1218 S27D S2\" id=\"tc_67\">Goodwill </span><span class=\"S1219 S27D S2\" id=\"td_67\">values in </span><span class=\"S121A S27D S2\" id=\"te_67\">HUF million </span><span class=\"S121B S27D S2\" id=\"tf_67\">Goodwill values in </span><span class=\"S121C S27D S2\" id=\"tg_67\">million functional </span><span class=\"S121D S27D S2\" id=\"th_67\">currency </span><span class=\"S121E S27D S2\" id=\"ti_67\">Type of </span><span class=\"S121F S27D S2\" id=\"tj_67\">functional </span><span class=\"S1220 S27D S2\" id=\"tk_67\">currency </span><span class=\"S1221 S27D S2\" id=\"tl_67\">Consolidated </span><span class=\"S1222 S27D S2\" id=\"tm_67\">ownership </span><span class=\"S1223 S27D S2\" id=\"tn_67\">interest </span><span class=\"S1224 S27D S2\" id=\"to_67\">With ownership </span><span class=\"S1225 S27D S2\" id=\"tp_67\">adjusted company </span><span class=\"S1226 S27D S2\" id=\"tq_67\">value in HUF million </span><span class=\"S1227 S27D S2\" id=\"tr_67\">Applied long </span><span class=\"S1228 S27D S2\" id=\"ts_67\">term grow rate </span><span class=\"S1229 S27D S2\" id=\"tt_67\">Applied </span><span class=\"S122A S27D S2\" id=\"tu_67\">long term </span><span class=\"S122B S27D S2\" id=\"tv_67\">discount </span><span class=\"S122C S27D S2\" id=\"tw_67\">rate </span><span class=\"S122D S27E S2\" id=\"tx_67\">DSK Bank EAD </span><span class=\"S122E S27E S2\" id=\"ty_67\">280,722 </span><span class=\"S122F S27E S2\" id=\"tz_67\">44,375 </span><span class=\"S1230 S27E S2\" id=\"t10_67\">28,541 </span><span class=\"S1231 S27E S2\" id=\"t11_67\">HUF </span><span class=\"S1232 S27E S2\" id=\"t12_67\">99.92% </span><span class=\"S1233 S27E S2\" id=\"t13_67\">840,031 </span><span class=\"S1234 S27E S2\" id=\"t14_67\">3.00% </span><span class=\"S1235 S27E S2\" id=\"t15_67\">12.54% </span><span class=\"S1236 S27E S2\" id=\"t16_67\">(Bulgaria) </span><span class=\"S1237 S27E S2\" id=\"t17_67\">77 </span><span class=\"S1238 S27E S2\" id=\"t18_67\">BGN </span><span class=\"S1239 S27E S2\" id=\"t19_67\">OTP banka d.d. </span><span class=\"S123A S27E S2\" id=\"t1a_67\">(Croatia) </span><span class=\"S123B S27E S2\" id=\"t1b_67\">205,349 </span><span class=\"S123C S27E S2\" id=\"t1c_67\">23,235 </span><span class=\"S123D S27E S2\" id=\"t1d_67\">58 </span><span class=\"S123E S27E S2\" id=\"t1e_67\">EUR </span><span class=\"S123F S27E S2\" id=\"t1f_67\">100.00% </span><span class=\"S1240 S27E S2\" id=\"t1g_67\">410,711 </span><span class=\"S1241 S27E S2\" id=\"t1h_67\">2.69% </span><span class=\"S1242 S27E S2\" id=\"t1i_67\">10.69% </span><span class=\"S1243 S27E S2\" id=\"t1j_67\">POK-DSK Rodina a.d. </span><span class=\"S1244 S27E S2\" id=\"t1k_67\">(Bulgaria) </span><span class=\"S1245 S27E S2\" id=\"t1l_67\">1,680 </span><span class=\"S1246 S27E S2\" id=\"t1m_67\">11 </span><span class=\"S1247 S27E S2\" id=\"t1n_67\">11 </span><span class=\"S1248 S27E S2\" id=\"t1o_67\">HUF </span><span class=\"S1249 S27E S2\" id=\"t1p_67\">99.85% </span><span class=\"S124A S27E S2\" id=\"t1q_67\">16,564 </span><span class=\"S124B S27E S2\" id=\"t1r_67\">3.00% </span><span class=\"S124C S27E S2\" id=\"t1s_67\">12.54% </span><span class=\"S124D S27E S2\" id=\"t1t_67\">George Consult </span><span class=\"S124E S27E S2\" id=\"t1u_67\">(Croatia) </span><span class=\"S124F S27E S2\" id=\"t1v_67\">225 </span><span class=\"S1250 S27E S2\" id=\"t1w_67\">220 </span><span class=\"S1251 S27E S2\" id=\"t1x_67\">4 </span><span class=\"S1252 S27E S2\" id=\"t1y_67\">HRK </span><span class=\"S1253 S27E S2\" id=\"t1z_67\">76.00% </span><span class=\"S1254 S27E S2\" id=\"t20_67\">171 </span><span class=\"S1255 S27E S2\" id=\"t21_67\">2.69% </span><span class=\"S1256 S27E S2\" id=\"t22_67\">10.69% </span><span class=\"S1257 S27E S2\" id=\"t23_67\">OTP Home Solutions Llc. </span><span class=\"S1258 S27E S2\" id=\"t24_67\">(Hungary) </span><span class=\"S1259 S27E S2\" id=\"t25_67\">2,570 </span><span class=\"S125A S27E S2\" id=\"t26_67\">478 </span><span class=\"S125B S27E S2\" id=\"t27_67\">478 </span><span class=\"S125C S27E S2\" id=\"t28_67\">HUF </span><span class=\"S125D S27E S2\" id=\"t29_67\">100.00% </span><span class=\"S125E S27E S2\" id=\"t2a_67\">2,570 </span><span class=\"S125F S27E S2\" id=\"t2b_67\">3.00% </span><span class=\"S1260 S27E S2\" id=\"t2c_67\">16.26% </span><span class=\"S1261 S27D S2\" id=\"t2d_67\">490,546 </span><span class=\"S1262 S27D S2\" id=\"t2e_67\">68,319 </span><span class=\"S1123 SB S2\" id=\"t3_68\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_68\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1263 SB S2\" id=\"t5_68\">For the year ended 31 December 2021 </span><span class=\"S1264 SB S2\" id=\"t6_68\">Cost </span><span class=\"S1265 SB S2\" id=\"t7_68\">Intangible </span><span class=\"S1266 SB S2\" id=\"t8_68\">assets </span><span class=\"S1267 SB S2\" id=\"t9_68\">Goodwill </span><span class=\"S1268 SB S2\" id=\"ta_68\">Property </span><span class=\"S1269 SB S2\" id=\"tb_68\">Machinery and </span><span class=\"S126A SB S2\" id=\"tc_68\">office equipment </span><span class=\"S126B SB S2\" id=\"td_68\">Vehicle </span><span class=\"S126C SB S2\" id=\"te_68\">Construction </span><span class=\"S126D SB S2\" id=\"tf_68\">in progress </span><span class=\"S126E SB S2\" id=\"tg_68\">Tangible assets subject </span><span class=\"S126F SB S2\" id=\"th_68\">to operating lease </span><span class=\"S1270 SB S2\" id=\"ti_68\">Total </span><span class=\"S11A1 SB S2\" id=\"tj_68\">Balance as at 1 January </span><span class=\"S1271 SB S2\" id=\"tk_68\">364,495 </span><span class=\"S1272 SB S2\" id=\"tl_68\">101,393 </span><span class=\"S1273 SB S2\" id=\"tm_68\">285,506 </span><span class=\"S1274 SB S2\" id=\"tn_68\">212,105 </span><span class=\"S1275 SB S2\" id=\"to_68\">23,893 </span><span class=\"S1276 SB S2\" id=\"tp_68\">23,403 </span><span class=\"S1277 SB S2\" id=\"tq_68\">28,926 </span><span class=\"S1278 SB S2\" id=\"tr_68\">1,039,721 </span><span class=\"S1279 SA7 S2\" id=\"ts_68\">Increase due to acquisition </span><span class=\"S127A SA7 S2\" id=\"tt_68\">- </span><span class=\"S127B SA7 S2\" id=\"tu_68\">Additions </span><span class=\"S127C SA7 S2\" id=\"tv_68\">90,887 </span><span class=\"S127D SA7 S2\" id=\"tw_68\">- </span><span class=\"S127E SA7 S2\" id=\"tx_68\">28,684 </span><span class=\"S127F SA7 S2\" id=\"ty_68\">37,266 </span><span class=\"S1280 SA7 S2\" id=\"tz_68\">19,135 </span><span class=\"S1281 SA7 S2\" id=\"t10_68\">111,316 </span><span class=\"S1282 SA7 S2\" id=\"t11_68\">13,427 </span><span class=\"S1283 SA7 S2\" id=\"t12_68\">300,715 </span><span class=\"S11B4 SA7 S2\" id=\"t13_68\">Foreign currency </span><span class=\"S1284 SA7 S2\" id=\"t14_68\">translation differences </span><span class=\"S1285 SA7 S2\" id=\"t15_68\">4,656 </span><span class=\"S1286 SA7 S2\" id=\"t16_68\">4,247 </span><span class=\"S1287 SA7 S2\" id=\"t17_68\">3,609 </span><span class=\"S1288 SA7 S2\" id=\"t18_68\">3,237 </span><span class=\"S1289 SA7 S2\" id=\"t19_68\">163 </span><span class=\"S128A SA7 S2\" id=\"t1a_68\">136 </span><span class=\"S128B SA7 S2\" id=\"t1b_68\">422 </span><span class=\"S128C SA7 S2\" id=\"t1c_68\">16,470 </span><span class=\"S128D SA7 S2\" id=\"t1d_68\">Disposals </span><span class=\"S128E SA7 S2\" id=\"t1e_68\">(52,035) </span><span class=\"S128F SA7 S2\" id=\"t1f_68\">- </span><span class=\"S1290 SA7 S2\" id=\"t1g_68\">(12,877) </span><span class=\"S1291 SA7 S2\" id=\"t1h_68\">(8,877) </span><span class=\"S1292 SA7 S2\" id=\"t1i_68\">(1,939) </span><span class=\"S1293 SA7 S2\" id=\"t1j_68\">(67,198) </span><span class=\"S1294 SA7 S2\" id=\"t1k_68\">(11,942) </span><span class=\"S1295 SA7 S2\" id=\"t1l_68\">(154,868) </span><span class=\"S11C2 SB S2\" id=\"t1m_68\">Closing balance </span><span class=\"S1296 SB S2\" id=\"t1n_68\">408,003 </span><span class=\"S1297 SB S2\" id=\"t1o_68\">105,640 </span><span class=\"S1298 SB S2\" id=\"t1p_68\">304,922 </span><span class=\"S1299 SB S2\" id=\"t1q_68\">243,731 </span><span class=\"S129A SB S2\" id=\"t1r_68\">41,252 </span><span class=\"S129B SB S2\" id=\"t1s_68\">67,657 </span><span class=\"S129C SB S2\" id=\"t1t_68\">30,833 </span><span class=\"S129D SB S2\" id=\"t1u_68\">1,202,038 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span><span class=\"S1123 SB S2\" id=\"t3_69\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_69\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_69\">For the year ended 31 December 2021 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_69\">Impairment </span><span class=\"S12CB SB S2\" id=\"t7_69\">Intangible </span><span class=\"S12CC SB S2\" id=\"t8_69\">assets </span><span class=\"S12CD SB S2\" id=\"t9_69\">Property </span><span class=\"S12CE SB S2\" id=\"ta_69\">Machinery and </span><span class=\"S12CF SB S2\" id=\"tb_69\">office equipment </span><span class=\"S12D0 SB S2\" id=\"tc_69\">Tangible assets subject </span><span class=\"S12D1 SB S2\" id=\"td_69\">to operating lease </span><span class=\"S12D2 SB S2\" id=\"te_69\">Total </span><span class=\"S11A1 SB S2\" id=\"tf_69\">Balance as at 1 January </span><span class=\"S12D3 SB S2\" id=\"tg_69\">2,704 </span><span class=\"S12D4 SB S2\" id=\"th_69\">1,122 </span><span class=\"S12D5 SB S2\" id=\"ti_69\">42 </span><span class=\"S12D6 SB S2\" id=\"tj_69\">338 </span><span class=\"S12D7 SB S2\" id=\"tk_69\">4,206 </span><span class=\"S11A8 SA7 S2\" id=\"tl_69\">Impairment for the period </span><span class=\"S12D8 SA7 S2\" id=\"tm_69\">- </span><span class=\"S12D9 SA7 S2\" id=\"tn_69\">2,967 </span><span class=\"S12DA SA7 S2\" id=\"to_69\">- </span><span class=\"S12DB SA7 S2\" id=\"tp_69\">9 </span><span class=\"S12DC SA7 S2\" id=\"tq_69\">2,976 </span><span class=\"S12DD SA7 S2\" id=\"tr_69\">Release of impairment for the period </span><span class=\"S12DE SA7 S2\" id=\"ts_69\">- </span><span class=\"S12DF SA7 S2\" id=\"tt_69\">- </span><span class=\"S12E0 SA7 S2\" id=\"tu_69\">- </span><span class=\"S12E1 SA7 S2\" id=\"tv_69\">(204) </span><span class=\"S12E2 SA7 S2\" id=\"tw_69\">(204) </span><span class=\"S11B4 SA7 S2\" id=\"tx_69\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"ty_69\">translation differences </span><span class=\"S12E3 SA7 S2\" id=\"tz_69\">5 </span><span class=\"S12E4 SA7 S2\" id=\"t10_69\">55 </span><span class=\"S12E5 SA7 S2\" id=\"t11_69\">6 </span><span class=\"S12E6 SA7 S2\" id=\"t12_69\">(1) </span><span class=\"S12E7 SA7 S2\" id=\"t13_69\">65 </span><span class=\"S11BC SA7 S2\" id=\"t14_69\">Use of impairment </span><span class=\"S12E8 SA7 S2\" id=\"t15_69\">(4) </span><span class=\"S12E9 SA7 S2\" id=\"t16_69\">(591) </span><span class=\"S12EA SA7 S2\" id=\"t17_69\">(5) </span><span class=\"S1293 SA7 S2\" id=\"t18_69\">(5) </span><span class=\"S12EB SA7 S2\" id=\"t19_69\">(605) </span><span class=\"S11C2 SB S2\" id=\"t1a_69\">Closing balance </span><span class=\"S12EC SB S2\" id=\"t1b_69\">2,705 </span><span class=\"S12ED SB S2\" id=\"t1c_69\">3,553 </span><span class=\"S12EE SB S2\" id=\"t1d_69\">43 </span><span class=\"S12EF SB S2\" id=\"t1e_69\">137 </span><span class=\"S12F0 SB S2\" id=\"t1f_69\">6,438 </span><span class=\"S12F1 SB S2\" id=\"t1g_69\">Intangible </span><span class=\"S12F2 SB S2\" id=\"t1h_69\">assets </span><span class=\"S12F3 SB S2\" id=\"t1i_69\">Goodwill </span><span class=\"S12F4 SB S2\" id=\"t1j_69\">Property </span><span class=\"S12F5 SB S2\" id=\"t1k_69\">Machinery and </span><span class=\"S12F6 SB S2\" id=\"t1l_69\">office equipment </span><span class=\"S12F7 SB S2\" id=\"t1m_69\">Vehicle </span><span class=\"S12F8 SB S2\" id=\"t1n_69\">Construction in </span><span class=\"S12F9 SB S2\" id=\"t1o_69\">progress </span><span class=\"S12FA SB S2\" id=\"t1p_69\">Tangible assets subject </span><span class=\"S12FB SB S2\" id=\"t1q_69\">to operating lease </span><span class=\"S12FC SB S2\" id=\"t1r_69\">Total </span><span class=\"S12FD SB S2\" id=\"t1s_69\">Carrying value </span><span class=\"S12FE SB S2\" id=\"t1t_69\">Balance as at 1 January </span><span class=\"S12FF SB S2\" id=\"t1u_69\">137,611 </span><span class=\"S1300 SB S2\" id=\"t1v_69\">101,393 </span><span class=\"S1301 SB S2\" id=\"t1w_69\">206,631 </span><span class=\"S1302 SB S2\" id=\"t1x_69\">56,771 </span><span class=\"S1303 SB S2\" id=\"t1y_69\">17,652 </span><span class=\"S1304 SB S2\" id=\"t1z_69\">23,403 </span><span class=\"S1305 SB S2\" id=\"t20_69\">18,309 </span><span class=\"S1306 SB S2\" id=\"t21_69\">561,770 </span><span class=\"S1307 SB S2\" id=\"t22_69\">Closing balance </span><span class=\"S1308 SB S2\" id=\"t23_69\">142,991 </span><span class=\"S1309 SB S2\" id=\"t24_69\">105,640 </span><span class=\"S130A SB S2\" id=\"t25_69\">217,662 </span><span class=\"S130B SB S2\" id=\"t26_69\">70,550 </span><span class=\"S130C SB S2\" id=\"t27_69\">34,064 </span><span class=\"S130D SB S2\" id=\"t28_69\">67,657 </span><span class=\"S130E SB S2\" id=\"t29_69\">21,203 </span><span class=\"S130F SB S2\" id=\"t2a_69\">659,767 </span><span class=\"S1310 SB S2\" id=\"t2b_69\">Fair values </span><span class=\"S1311 SB S2\" id=\"t2c_69\">- </span><span class=\"S1312 SB S2\" id=\"t2d_69\">- </span><span class=\"S1313 SB S2\" id=\"t2e_69\">247,754 </span><span class=\"S1314 SB S2\" id=\"t2f_69\">70,258 </span><span class=\"S1315 SB S2\" id=\"t2g_69\">34,063 </span><span class=\"S1316 SB S2\" id=\"t2h_69\">- </span><span class=\"S1317 SB S2\" id=\"t2i_69\">21,339 </span><span class=\"S1318 SB S2\" id=\"t2j_69\">373,414 </span><span class=\"S1319 SB S2\" id=\"t2k_69\">Gross amount of the fully </span><span class=\"S131A SB S2\" id=\"t2l_69\">depreciated assets that </span><span class=\"S131B SB S2\" id=\"t2m_69\">are still in use </span><span class=\"S131C SB S2\" id=\"t2n_69\">129,805 </span><span class=\"S131D SB S2\" id=\"t2o_69\">- </span><span class=\"S131E SB S2\" id=\"t2p_69\">25,396 </span><span class=\"S131F SB S2\" id=\"t2q_69\">132,611 </span><span class=\"S1320 SB S2\" id=\"t2r_69\">924 </span><span class=\"S1321 SB S2\" id=\"t2s_69\">- </span><span class=\"S1322 SB S2\" id=\"t2t_69\">- </span><span class=\"S1323 SB S2\" id=\"t2u_69\">288,736 </span><span class=\"SA1A SA7 S2\" id=\"t2v_69\">An analysis of the intangible assets for the year ended 31 December 2021 is as follows: </span><span class=\"S1324 SB S2\" id=\"t2w_69\">Intangible assets </span><span class=\"S1325 SB S2\" id=\"t2x_69\">Self-developed </span><span class=\"S1326 SB S2\" id=\"t2y_69\">Purchased </span><span class=\"S1327 SB S2\" id=\"t2z_69\">Total </span><span class=\"S1328 SA7 S2\" id=\"t30_69\">Gross values </span><span class=\"S1329 SA7 S2\" id=\"t31_69\">12,700 </span><span class=\"S132A SA7 S2\" id=\"t32_69\">395,303 </span><span class=\"S132B SA7 S2\" id=\"t33_69\">408,003 </span><span class=\"S132C SA7 S2\" id=\"t34_69\">Accumulated amortization </span><span class=\"S132D SA7 S2\" id=\"t35_69\">(5,017) </span><span class=\"S132E SA7 S2\" id=\"t36_69\">(257,290) </span><span class=\"S132F SA7 S2\" id=\"t37_69\">(262,307) </span><span class=\"S1330 SA7 S2\" id=\"t38_69\">Impairment </span><span class=\"S1331 SA7 S2\" id=\"t39_69\">- </span><span class=\"S1332 SA7 S2\" id=\"t3a_69\">(2,705) </span><span class=\"S1333 SA7 S2\" id=\"t3b_69\">(2,705) </span><span class=\"S1334 SB S2\" id=\"t3c_69\">Carrying value </span><span class=\"S1335 SB S2\" id=\"t3d_69\">7,683 </span><span class=\"S1336 SB S2\" id=\"t3e_69\">135,308 </span><span class=\"S1337 SB S2\" id=\"t3f_69\">142,991 </span><span class=\"S1123 SB S2\" id=\"t3_70\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_70\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_70\">For the year ended 31 December 2021 [continued] </span><span class=\"S1338 SA7 S2\" id=\"t6_70\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1339 S27D S2\" id=\"t7_70\">Subsidiaries </span><span class=\"S133A S27D S2\" id=\"t8_70\">Carrying </span><span class=\"S133B S27D S2\" id=\"t9_70\">amounts of the </span><span class=\"S133C S27D S2\" id=\"ta_70\">subsidiary in </span><span class=\"S133D S27D S2\" id=\"tb_70\">HUF million </span><span class=\"S133E S27D S2\" id=\"tc_70\">Goodwill </span><span class=\"S133F S27D S2\" id=\"td_70\">values in </span><span class=\"S1340 S27D S2\" id=\"te_70\">HUF million </span><span class=\"S1341 S27D S2\" id=\"tf_70\">Goodwill values in </span><span class=\"S1342 S27D S2\" id=\"tg_70\">million functional </span><span class=\"S1343 S27D S2\" id=\"th_70\">currency </span><span class=\"S1344 S27D S2\" id=\"ti_70\">Type of </span><span class=\"S1345 S27D S2\" id=\"tj_70\">functional </span><span class=\"S1346 S27D S2\" id=\"tk_70\">currency </span><span class=\"S1347 S27D S2\" id=\"tl_70\">Consolidated </span><span class=\"S1348 S27D S2\" id=\"tm_70\">ownership </span><span class=\"S1349 S27D S2\" id=\"tn_70\">interest </span><span class=\"S134A S27D S2\" id=\"to_70\">With ownership </span><span class=\"S134B S27D S2\" id=\"tp_70\">adjusted company </span><span class=\"S134C S27D S2\" id=\"tq_70\">value in HUF million </span><span class=\"S134D S27D S2\" id=\"tr_70\">Applied long </span><span class=\"S134E S27D S2\" id=\"ts_70\">term grow rate </span><span class=\"S134F S27D S2\" id=\"tt_70\">Applied </span><span class=\"S1350 S27D S2\" id=\"tu_70\">long term </span><span class=\"S1351 S27D S2\" id=\"tv_70\">discount </span><span class=\"S1352 S27D S2\" id=\"tw_70\">rate </span><span class=\"S1353 S27E S2\" id=\"tx_70\">DSK Bank EAD </span><span class=\"S1354 S27E S2\" id=\"ty_70\">280,692 </span><span class=\"S1355 S27E S2\" id=\"tz_70\">43,138 </span><span class=\"S1356 S27E S2\" id=\"t10_70\">28,541 </span><span class=\"S1357 S27E S2\" id=\"t11_70\">HUF </span><span class=\"S1358 S27E S2\" id=\"t12_70\">99.91% </span><span class=\"S1359 S27E S2\" id=\"t13_70\">832,445 </span><span class=\"S135A S27E S2\" id=\"t14_70\">3.00% </span><span class=\"S135B S27E S2\" id=\"t15_70\">7.90% </span><span class=\"S135C S27E S2\" id=\"t16_70\">(Bulgaria) </span><span class=\"S135D S27E S2\" id=\"t17_70\">77 </span><span class=\"S135E S27E S2\" id=\"t18_70\">BGN </span><span class=\"S135F S27E S2\" id=\"t19_70\">OTP banka d.d. </span><span class=\"S1360 S27E S2\" id=\"t1a_70\">(Croatia) </span><span class=\"S1361 S27E S2\" id=\"t1b_70\">205,349 </span><span class=\"S1362 S27E S2\" id=\"t1c_70\">21,421 </span><span class=\"S1363 S27E S2\" id=\"t1d_70\">58 </span><span class=\"S1364 S27E S2\" id=\"t1e_70\">EUR </span><span class=\"S1365 S27E S2\" id=\"t1f_70\">100.00% </span><span class=\"S1366 S27E S2\" id=\"t1g_70\">361,995 </span><span class=\"S1367 S27E S2\" id=\"t1h_70\">2.69% </span><span class=\"S1368 S27E S2\" id=\"t1i_70\">8.83% </span><span class=\"S1369 S27F S2\" id=\"t1j_70\">JSC \u201cOTP Bank\u201d </span><span class=\"S136A S27E S2\" id=\"t1k_70\">(Russia) </span><span class=\"S136B S27E S2\" id=\"t1l_70\">124,411 </span><span class=\"S136C S27E S2\" id=\"t1m_70\">40,866 </span><span class=\"S136D S27E S2\" id=\"t1n_70\">9,395 </span><span class=\"S136E S27E S2\" id=\"t1o_70\">RUB </span><span class=\"S136F S27E S2\" id=\"t1p_70\">97.92% </span><span class=\"S1370 S27E S2\" id=\"t1q_70\">187,552 </span><span class=\"S1371 S27E S2\" id=\"t1r_70\">1.89% </span><span class=\"S1372 S27E S2\" id=\"t1s_70\">15.44% </span><span class=\"S1373 S27E S2\" id=\"t1t_70\">POK-DSK Rodina a.d. </span><span class=\"S1374 S27E S2\" id=\"t1u_70\">(Bulgaria) </span><span class=\"S1375 S27E S2\" id=\"t1v_70\">1,680 </span><span class=\"S1376 S27E S2\" id=\"t1w_70\">11 </span><span class=\"S1377 S27E S2\" id=\"t1x_70\">11 </span><span class=\"S1378 S27E S2\" id=\"t1y_70\">HUF </span><span class=\"S1379 S27E S2\" id=\"t1z_70\">99.85% </span><span class=\"S137A S27E S2\" id=\"t20_70\">15,299 </span><span class=\"S137B S27E S2\" id=\"t21_70\">3.00% </span><span class=\"S137C S27E S2\" id=\"t22_70\">7.90% </span><span class=\"S137D S27E S2\" id=\"t23_70\">George Consult </span><span class=\"S137E S27E S2\" id=\"t24_70\">(Croatia) </span><span class=\"S137F S27E S2\" id=\"t25_70\">225 </span><span class=\"S1380 S27E S2\" id=\"t26_70\">204 </span><span class=\"S1381 S27E S2\" id=\"t27_70\">4 </span><span class=\"S1382 S27E S2\" id=\"t28_70\">HRK </span><span class=\"S1383 S27E S2\" id=\"t29_70\">76.00% </span><span class=\"S1384 S27E S2\" id=\"t2a_70\">171 </span><span class=\"S1385 S27E S2\" id=\"t2b_70\">2.69% </span><span class=\"S1386 S27E S2\" id=\"t2c_70\">8.83% </span><span class=\"S1387 S27D S2\" id=\"t2d_70\">612,357 </span><span class=\"S1388 S27D S2\" id=\"t2e_70\">105,640 </span><span class=\"SFA4 SB S2\" id=\"t3_71\">NOTE 14: </span><span class=\"SDB9 SB S2\" id=\"t4_71\">INVESTMENT PROPERTIES (in HUF mn) </span><span class=\"S10A8 SA7 S2\" id=\"t5_71\">An analysis of the change in gross values of investment properties is as follows: </span><span class=\"S1389 SB S2\" id=\"t6_71\">Gross values </span><span class=\"SD71 SB S2\" id=\"t7_71\">2022 </span><span class=\"SD72 SB S2\" id=\"t8_71\">2021 </span><span class=\"S138A SB S2\" id=\"t9_71\">Balance as at 1 January </span><span class=\"S138B SB S2\" id=\"ta_71\">40,241 </span><span class=\"S138C SB S2\" id=\"tb_71\">54,154 </span><span class=\"S138D SA7 S2\" id=\"tc_71\">Increase due to transfer from inventories </span><span class=\"S138E SA7 S2\" id=\"td_71\">or owner-occupied properties </span><span class=\"S138F SA7 S2\" id=\"te_71\">1,830 </span><span class=\"S1390 SA7 S2\" id=\"tf_71\">3,425 </span><span class=\"S1391 SA7 S2\" id=\"tg_71\">Increase from purchase </span><span class=\"S1392 SA7 S2\" id=\"th_71\">20,935 </span><span class=\"S1393 SA7 S2\" id=\"ti_71\">134 </span><span class=\"S1394 SA7 S2\" id=\"tj_71\">Transfer to held-for-sale properties </span><span class=\"S1395 SA7 S2\" id=\"tk_71\">(321) </span><span class=\"S1396 SA7 S2\" id=\"tl_71\">(66) </span><span class=\"S1397 SA7 S2\" id=\"tm_71\">Transfer to inventories or owner-occupied properties </span><span class=\"S1398 SA7 S2\" id=\"tn_71\">(1,442) </span><span class=\"S1399 SA7 S2\" id=\"to_71\">(2,858) </span><span class=\"S139A SA7 S2\" id=\"tp_71\">Disposal due to sale </span><span class=\"S139B SA7 S2\" id=\"tq_71\">(1,798) </span><span class=\"S139C SA7 S2\" id=\"tr_71\">(14,993) </span><span class=\"S139D SA7 S2\" id=\"ts_71\">Foreign currency translation difference </span><span class=\"S139E SA7 S2\" id=\"tt_71\">1,901 </span><span class=\"S139F SA7 S2\" id=\"tu_71\">445 </span><span class=\"S13A0 SB S2\" id=\"tv_71\">Closing balance </span><span class=\"S13A1 SB S2\" id=\"tw_71\">61,346 </span><span class=\"S13A2 SB S2\" id=\"tx_71\">40,241 </span><span class=\"S13A3 SA7 S2\" id=\"ty_71\">The applied depreciation and amortization rates were as follows: </span><span class=\"S13A4 SB S2\" id=\"tz_71\">2022 </span><span class=\"S13A5 SB S2\" id=\"t10_71\">2021 </span><span class=\"S13A6 SA7 S2\" id=\"t11_71\">Depreciation and amortization rates </span><span class=\"S13A7 SA7 S2\" id=\"t12_71\">2.00% - 20.00% </span><span class=\"S13A8 SA7 S2\" id=\"t13_71\">1.00% - 20.00% </span><span class=\"S13A9 SA7 S2\" id=\"t14_71\">An analysis of the movement in the depreciation and amortization on investment properties is as follows: </span><span class=\"S13AA SB S2\" id=\"t15_71\">Depreciation and amortization </span><span class=\"S13AB SB S2\" id=\"t16_71\">2022 </span><span class=\"S13AC SB S2\" id=\"t17_71\">2021 </span><span class=\"S13AD SB S2\" id=\"t18_71\">Balance as at 1 January </span><span class=\"S13AE SB S2\" id=\"t19_71\">9,111 </span><span class=\"S13AF SB S2\" id=\"t1a_71\">11,383 </span><span class=\"S13B0 SA7 S2\" id=\"t1b_71\">Additions due to transfer from inventories </span><span class=\"S13B1 SA7 S2\" id=\"t1c_71\">or owner-occupied properties </span><span class=\"S13B2 SA7 S2\" id=\"t1d_71\">1,513 </span><span class=\"S13B3 SA7 S2\" id=\"t1e_71\">1,296 </span><span class=\"S13B4 SA7 S2\" id=\"t1f_71\">Charge for the period </span><span class=\"S13B5 SA7 S2\" id=\"t1g_71\">912 </span><span class=\"S13B6 SA7 S2\" id=\"t1h_71\">1,113 </span><span class=\"S13B7 SA7 S2\" id=\"t1i_71\">Transfer to inventories or owner-occupied properties </span><span class=\"S13B8 SA7 S2\" id=\"t1j_71\">(126) </span><span class=\"S13B9 SA7 S2\" id=\"t1k_71\">(236) </span><span class=\"S13BA SA7 S2\" id=\"t1l_71\">Disposal due to sale </span><span class=\"S13BB SA7 S2\" id=\"t1m_71\">(780) </span><span class=\"S13BC SA7 S2\" id=\"t1n_71\">(4,577) </span><span class=\"S13BD SA7 S2\" id=\"t1o_71\">Transfer to held-for-sale properties </span><span class=\"S13BE SA7 S2\" id=\"t1p_71\">(17) </span><span class=\"S13BF SA7 S2\" id=\"t1q_71\">- </span><span class=\"S13C0 SA7 S2\" id=\"t1r_71\">Foreign currency translation difference </span><span class=\"S13C1 SA7 S2\" id=\"t1s_71\">660 </span><span class=\"S13C2 SA7 S2\" id=\"t1t_71\">132 </span><span class=\"S13C3 SB S2\" id=\"t1u_71\">Closing balance </span><span class=\"S13C4 SB S2\" id=\"t1v_71\">11,273 </span><span class=\"S13C5 SB S2\" id=\"t1w_71\">9,111 </span><span class=\"S13C6 SA7 S2\" id=\"t1x_71\">An analysis of the movement in the impairment on investment properties is as follows: </span><span class=\"S13C7 SB S2\" id=\"t1y_71\">Impairment </span><span class=\"S13C8 SB S2\" id=\"t1z_71\">2022 </span><span class=\"S13C9 SB S2\" id=\"t20_71\">2021 </span><span class=\"S13CA SB S2\" id=\"t21_71\">Balance as at 1 January </span><span class=\"S13CB SB S2\" id=\"t22_71\">1,248 </span><span class=\"S13CC SB S2\" id=\"t23_71\">4,170 </span><span class=\"S13CD SA7 S2\" id=\"t24_71\">Impairment for the period </span><span class=\"S13CE SA7 S2\" id=\"t25_71\">1,389 </span><span class=\"S13CF SA7 S2\" id=\"t26_71\">54 </span><span class=\"S13D0 SA7 S2\" id=\"t27_71\">Release of impairment for the period </span><span class=\"S13D1 SA7 S2\" id=\"t28_71\">(63) </span><span class=\"S13D2 SA7 S2\" id=\"t29_71\">(297) </span><span class=\"S13D3 SA7 S2\" id=\"t2a_71\">Use of impairment </span><span class=\"S13D4 SA7 S2\" id=\"t2b_71\">(40) </span><span class=\"S13D5 SA7 S2\" id=\"t2c_71\">(2,726) </span><span class=\"S13D6 SA7 S2\" id=\"t2d_71\">Decrease due to transfer to inventories </span><span class=\"S13D7 SA7 S2\" id=\"t2e_71\">or owner-occupied properties </span><span class=\"S13D8 SA7 S2\" id=\"t2f_71\">(8) </span><span class=\"S13D9 SA7 S2\" id=\"t2g_71\">- </span><span class=\"S13DA SA7 S2\" id=\"t2h_71\">Foreign currency translation difference </span><span class=\"S13DB SA7 S2\" id=\"t2i_71\">95 </span><span class=\"S13DC SA7 S2\" id=\"t2j_71\">47 </span><span class=\"S13DD SB S2\" id=\"t2k_71\">Closing balance </span><span class=\"S13DE SB S2\" id=\"t2l_71\">2,621 </span><span class=\"S13DF SB S2\" id=\"t2m_71\">1,248 </span><span class=\"SFA4 SB S2\" id=\"t3_72\">NOTE 14: </span><span class=\"S13E0 SB S2\" id=\"t4_72\">INVESTMENT PROPERTIES (in HUF mn) [continued] </span><span class=\"S13E1 SB S2\" id=\"t5_72\">Carrying values </span><span class=\"SEDF SB S2\" id=\"t6_72\">2022 </span><span class=\"SEE0 SB S2\" id=\"t7_72\">2021 </span><span class=\"S13E2 SB S2\" id=\"t8_72\">Balance as at 1 January </span><span class=\"S13E3 SB S2\" id=\"t9_72\">29,882 </span><span class=\"S13E4 SB S2\" id=\"ta_72\">38,601 </span><span class=\"S13E5 SB S2\" id=\"tb_72\">Closing balance </span><span class=\"SD75 SB S2\" id=\"tc_72\">47,452 </span><span class=\"SD76 SB S2\" id=\"td_72\">29,882 </span><span class=\"S13E6 SB S2\" id=\"te_72\">Fair values </span><span class=\"S13E7 SB S2\" id=\"tf_72\">61,198 </span><span class=\"S13E8 SB S2\" id=\"tg_72\">34,257 </span><span class=\"S13E9 SA7 S2\" id=\"th_72\">The Group chose the cost model for measuring investment properties but estimates and reviews the fair value of </span><span class=\"S13EA SA7 S2\" id=\"ti_72\">the investment properties by external experts, these investment properties would have been presented on level 3 </span><span class=\"S13EB SA7 S2\" id=\"tj_72\">in the fair </span><span class=\"S13EC S5B9 S2\" id=\"tk_72\">value hierarchy if the Group didn\u2019t apply cost method for this recognition. </span><span class=\"S13ED SB S2\" id=\"tl_72\">Income and expenses </span><span class=\"S13EE SB S2\" id=\"tm_72\">2022 </span><span class=\"S13EF SB S2\" id=\"tn_72\">2021 </span><span class=\"S13F0 SA7 S2\" id=\"to_72\">Rental income </span><span class=\"S13F1 SA7 S2\" id=\"tp_72\">2,511 </span><span class=\"S13F2 SA7 S2\" id=\"tq_72\">2,621 </span><span class=\"S13F3 SA7 S2\" id=\"tr_72\">Direct operating expenses of investment properties </span><span class=\"S13F4 S5B9 S2\" id=\"ts_72\">\u2013 </span><span class=\"S13F5 SA7 S2\" id=\"tt_72\">income generating </span><span class=\"S13F6 SA7 S2\" id=\"tu_72\">426 </span><span class=\"S13F7 SA7 S2\" id=\"tv_72\">318 </span><span class=\"S13F8 SA7 S2\" id=\"tw_72\">Direct operating expenses of investment properties </span><span class=\"S13F9 S5B9 S2\" id=\"tx_72\">\u2013 </span><span class=\"S13FA SA7 S2\" id=\"ty_72\">non income generating </span><span class=\"S13FB SA7 S2\" id=\"tz_72\">82 </span><span class=\"S13FC SA7 S2\" id=\"t10_72\">14 </span><span class=\"SFA4 SB S2\" id=\"t3_73\">NOTE 15: </span><span class=\"S13FD SB S2\" id=\"t4_73\">DERIVATIVE FINANCIAL ASSETS DESIGNATED AS HEDGE ACCOUNTING (in </span><span class=\"S13FE SB S2\" id=\"t5_73\">HUF </span><span class=\"S13FF SB S2\" id=\"t6_73\">mn) </span><span class=\"SFF4 SA7 S2\" id=\"t7_73\">Positive fair value of derivative financial assets designated as fair value hedge </span><span class=\"S1400 SB S2\" id=\"t8_73\">2022 </span><span class=\"S1401 SB S2\" id=\"t9_73\">2021 </span><span class=\"S1402 SA7 S2\" id=\"ta_73\">CCIRS and mark-to-market CCIRS designated </span><span class=\"S1403 SA7 S2\" id=\"tb_73\">as fair value hedge </span><span class=\"S1404 SA7 S2\" id=\"tc_73\">20,732 </span><span class=\"S1405 SA7 S2\" id=\"td_73\">5,471 </span><span class=\"S1406 SA7 S2\" id=\"te_73\">Foreign exchange swap designated as fair value hedge </span><span class=\"S1407 SA7 S2\" id=\"tf_73\">1,696 </span><span class=\"S1408 SA7 S2\" id=\"tg_73\">- </span><span class=\"S1409 SA7 S2\" id=\"th_73\">Interest rate swaps designated as fair value hedge </span><span class=\"S140A SA7 S2\" id=\"ti_73\">25,819 </span><span class=\"S140B SA7 S2\" id=\"tj_73\">13,286 </span><span class=\"S140C SB S2\" id=\"tk_73\">Total </span><span class=\"S140D SB S2\" id=\"tl_73\">48,247 </span><span class=\"S140E SB S2\" id=\"tm_73\">18,757 </span><span class=\"SFA4 SB S2\" id=\"t3_74\">NOTE 16: </span><span class=\"S140F SB S2\" id=\"t4_74\">OTHER ASSETS (in HUF mn) </span><span class=\"S1410 SA7 S2\" id=\"t5_74\">Other assets are expected to be recovered or settled no more than twelve months after the reporting period. </span><span class=\"S1400 SB S2\" id=\"t6_74\">2022 </span><span class=\"S1401 SB S2\" id=\"t7_74\">2021 </span><span class=\"S1411 SB S2\" id=\"t8_74\">Other financial assets </span><span class=\"S1412 SA7 S2\" id=\"t9_74\">Receivables from card operations </span><span class=\"S1404 SA7 S2\" id=\"ta_74\">67,981 </span><span class=\"S1413 SA7 S2\" id=\"tb_74\">27,820 </span><span class=\"S1414 SA7 S2\" id=\"tc_74\">Prepayments and accrued income on other financial assets </span><span class=\"S1415 SA7 S2\" id=\"td_74\">29,284 </span><span class=\"S1416 SA7 S2\" id=\"te_74\">27,778 </span><span class=\"S1417 SA7 S2\" id=\"tf_74\">Trade receivables </span><span class=\"S140A SA7 S2\" id=\"tg_74\">37,777 </span><span class=\"S140B SA7 S2\" id=\"th_74\">24,951 </span><span class=\"S1418 SA7 S2\" id=\"ti_74\">Receivables from investment services </span><span class=\"S140D SA7 S2\" id=\"tj_74\">57,189 </span><span class=\"S140E SA7 S2\" id=\"tk_74\">15,077 </span><span class=\"S1419 SA7 S2\" id=\"tl_74\">Other advances </span><span class=\"S141A SA7 S2\" id=\"tm_74\">19,652 </span><span class=\"S141B SA7 S2\" id=\"tn_74\">21,043 </span><span class=\"S141C SA7 S2\" id=\"to_74\">Stock exchange deals </span><span class=\"S1069 SA7 S2\" id=\"tp_74\">31,234 </span><span class=\"S141D SA7 S2\" id=\"tq_74\">12,255 </span><span class=\"S141E SA7 S2\" id=\"tr_74\">Giro clearing accounts </span><span class=\"S141F SA7 S2\" id=\"ts_74\">12,593 </span><span class=\"S1420 SA7 S2\" id=\"tt_74\">2,635 </span><span class=\"S1421 SA7 S2\" id=\"tu_74\">Receivables due from pension funds and investment funds </span><span class=\"S1422 SA7 S2\" id=\"tv_74\">6,478 </span><span class=\"S1423 SA7 S2\" id=\"tw_74\">3,250 </span><span class=\"S1424 SA7 S2\" id=\"tx_74\">Receivables from leasing activities </span><span class=\"S1425 SA7 S2\" id=\"ty_74\">1,778 </span><span class=\"S1074 SA7 S2\" id=\"tz_74\">363 </span><span class=\"S1426 SA7 S2\" id=\"t10_74\">Advances for securities and investments </span><span class=\"S1427 SA7 S2\" id=\"t11_74\">358 </span><span class=\"S1428 SA7 S2\" id=\"t12_74\">525 </span><span class=\"S1429 SA7 S2\" id=\"t13_74\">Other financial assets </span><span class=\"S142A SA7 S2\" id=\"t14_74\">30,490 </span><span class=\"S142B SA7 S2\" id=\"t15_74\">17,019 </span><span class=\"S142C SA7 S2\" id=\"t16_74\">Loss allowance on other financial assets </span><span class=\"S142D SA7 S2\" id=\"t17_74\">(31,833) </span><span class=\"S142E SA7 S2\" id=\"t18_74\">(16,800) </span><span class=\"S142F SB S2\" id=\"t19_74\">Total </span><span class=\"S1430 SB S2\" id=\"t1a_74\">262,981 </span><span class=\"S1431 SB S2\" id=\"t1b_74\">135,916 </span><span class=\"S1432 SB S2\" id=\"t1c_74\">Other non-financial assets </span><span class=\"S1433 SB S2\" id=\"t1d_74\">2022 </span><span class=\"S1434 SB S2\" id=\"t1e_74\">2021 </span><span class=\"S1435 SA7 S2\" id=\"t1f_74\">Prepayments and accrued income on other non-financial assets </span><span class=\"S1436 SA7 S2\" id=\"t1g_74\">62,878 </span><span class=\"S1437 SA7 S2\" id=\"t1h_74\">46,418 </span><span class=\"S1438 SA7 S2\" id=\"t1i_74\">Receivables, subsidies from the State, Government </span><span class=\"S1439 SA7 S2\" id=\"t1j_74\">23,383 </span><span class=\"S143A SA7 S2\" id=\"t1k_74\">15,800 </span><span class=\"S143B SA7 S2\" id=\"t1l_74\">Settlement and suspense accounts </span><span class=\"S143C SA7 S2\" id=\"t1m_74\">40,066 </span><span class=\"S143D SA7 S2\" id=\"t1n_74\">14,974 </span><span class=\"S143E SA7 S2\" id=\"t1o_74\">Biological assets and agricultural produce </span><span class=\"S143F SA7 S2\" id=\"t1p_74\">8,366 </span><span class=\"S1440 SA7 S2\" id=\"t1q_74\">5,193 </span><span class=\"S1441 SA7 S2\" id=\"t1r_74\">Other non-financial assets </span><span class=\"S1442 SA7 S2\" id=\"t1s_74\">27,963 </span><span class=\"S1443 SA7 S2\" id=\"t1t_74\">15,495 </span><span class=\"S1444 SA7 S2\" id=\"t1u_74\">Impairment on other non-financial assets </span><span class=\"S1445 SA7 S2\" id=\"t1v_74\">(7,041) </span><span class=\"S1446 SA7 S2\" id=\"t1w_74\">(4,413) </span><span class=\"S1447 SB S2\" id=\"t1x_74\">Total </span><span class=\"S1448 SB S2\" id=\"t1y_74\">155,615 </span><span class=\"S1449 SB S2\" id=\"t1z_74\">93,467 </span><span class=\"S144A SB S2\" id=\"t20_74\">Other assets (under IAS 2) </span><span class=\"S144B SB S2\" id=\"t21_74\">2022 </span><span class=\"S144C SB S2\" id=\"t22_74\">2021 </span><span class=\"S144D SA7 S2\" id=\"t23_74\">Inventories </span><span class=\"S144E SA7 S2\" id=\"t24_74\">48,210 </span><span class=\"S144F SA7 S2\" id=\"t25_74\">43,843 </span><span class=\"S1450 SA7 S2\" id=\"t26_74\">Repossessed real estate </span><span class=\"S1451 SA7 S2\" id=\"t27_74\">6,985 </span><span class=\"S1452 SA7 S2\" id=\"t28_74\">6,354 </span><span class=\"S1453 SA7 S2\" id=\"t29_74\">Repossessed other non-financial assets </span><span class=\"S1454 SA7 S2\" id=\"t2a_74\">1,192 </span><span class=\"S1455 SA7 S2\" id=\"t2b_74\">1,069 </span><span class=\"S1456 SA7 S2\" id=\"t2c_74\">Write-down of the assets measured under IAS 2 </span><span class=\"S1457 SA7 S2\" id=\"t2d_74\">(3,864) </span><span class=\"S1458 SA7 S2\" id=\"t2e_74\">(3,864) </span><span class=\"S1459 SB S2\" id=\"t2f_74\">Total </span><span class=\"S145A SB S2\" id=\"t2g_74\">52,523 </span><span class=\"S145B SB S2\" id=\"t2h_74\">47,402 </span><span class=\"S145C SB S2\" id=\"t2i_74\">Total other assets </span><span class=\"S145D SB S2\" id=\"t2j_74\">471,119 </span><span class=\"S145E SB S2\" id=\"t2k_74\">276,785 </span><span class=\"SFA4 SB S2\" id=\"t3_75\">NOTE 16: </span><span class=\"S145F SB S2\" id=\"t4_75\">OTHER ASSETS (in HUF mn) [continued] </span><span class=\"SCBE SA7 S2\" id=\"t5_75\">An analysis of the movement in the loss allowance on </span><span class=\"S1460 SB S2\" id=\"t6_75\">other financial assets </span><span class=\"S1461 SA7 S2\" id=\"t7_75\">is as follows: </span><span class=\"S1400 SB S2\" id=\"t8_75\">2022 </span><span class=\"S1401 SB S2\" id=\"t9_75\">2021 </span><span class=\"S1462 SB S2\" id=\"ta_75\">Balance as at 1 January </span><span class=\"S1463 SB S2\" id=\"tb_75\">16,800 </span><span class=\"S1464 SB S2\" id=\"tc_75\">18,459 </span><span class=\"S1465 SA7 S2\" id=\"td_75\">Loss allowance for the period </span><span class=\"S1404 SA7 S2\" id=\"te_75\">22,472 </span><span class=\"S1405 SA7 S2\" id=\"tf_75\">8,569 </span><span class=\"S1466 SA7 S2\" id=\"tg_75\">Release of allowance for the period </span><span class=\"S1467 SA7 S2\" id=\"th_75\">(8,917) </span><span class=\"S1468 SA7 S2\" id=\"ti_75\">(6,903) </span><span class=\"S1469 SA7 S2\" id=\"tj_75\">Use of loss allowance </span><span class=\"S146A SA7 S2\" id=\"tk_75\">(2,083) </span><span class=\"S146B SA7 S2\" id=\"tl_75\">(3,767) </span><span class=\"S146C SA7 S2\" id=\"tm_75\">Reclassification </span><span class=\"S146D SA7 S2\" id=\"tn_75\">253 </span><span class=\"S146E SA7 S2\" id=\"to_75\">- </span><span class=\"S146F SA7 S2\" id=\"tp_75\">Foreign currency translation difference </span><span class=\"S1470 SA7 S2\" id=\"tq_75\">3,308 </span><span class=\"S1471 SA7 S2\" id=\"tr_75\">442 </span><span class=\"S1472 SB S2\" id=\"ts_75\">Closing balance </span><span class=\"S1069 SB S2\" id=\"tt_75\">31,833 </span><span class=\"S141D SB S2\" id=\"tu_75\">16,800 </span><span class=\"S1473 SA7 S2\" id=\"tv_75\">An analysis of the movement in the impairment on </span><span class=\"S1474 SB S2\" id=\"tw_75\">other non-financial assets </span><span class=\"S1475 SA7 S2\" id=\"tx_75\">is as follows: </span><span class=\"S1476 SB S2\" id=\"ty_75\">2022 </span><span class=\"S1477 SB S2\" id=\"tz_75\">2021 </span><span class=\"S1478 SB S2\" id=\"t10_75\">Balance as at 1 January </span><span class=\"S1479 SB S2\" id=\"t11_75\">4,413 </span><span class=\"S147A SB S2\" id=\"t12_75\">4,699 </span><span class=\"S147B SA7 S2\" id=\"t13_75\">Impairment for the period </span><span class=\"S147C SA7 S2\" id=\"t14_75\">3,304 </span><span class=\"S147D SA7 S2\" id=\"t15_75\">949 </span><span class=\"S147E SA7 S2\" id=\"t16_75\">Release of impairment for the period </span><span class=\"S147F SA7 S2\" id=\"t17_75\">(647) </span><span class=\"S1480 SA7 S2\" id=\"t18_75\">(653) </span><span class=\"S1481 SA7 S2\" id=\"t19_75\">Use of impairment </span><span class=\"S1482 SA7 S2\" id=\"t1a_75\">(324) </span><span class=\"S1483 SA7 S2\" id=\"t1b_75\">(751) </span><span class=\"S1484 SA7 S2\" id=\"t1c_75\">Reclassification </span><span class=\"S1485 SA7 S2\" id=\"t1d_75\">(253) </span><span class=\"S1486 SA7 S2\" id=\"t1e_75\">- </span><span class=\"S1487 SA7 S2\" id=\"t1f_75\">Foreign currency translation difference </span><span class=\"S1488 SA7 S2\" id=\"t1g_75\">548 </span><span class=\"S1489 SA7 S2\" id=\"t1h_75\">169 </span><span class=\"S148A SB S2\" id=\"t1i_75\">Closing balance </span><span class=\"S148B SB S2\" id=\"t1j_75\">7,041 </span><span class=\"S148C SB S2\" id=\"t1k_75\">4,413 </span><span class=\"SFA4 SB S2\" id=\"t3_76\">NOTE 17: </span><span class=\"SD6F SB S2\" id=\"t4_76\">AMOUNTS DUE TO BANKS, THE NATIONAL GOVERNMENTS, DEPOSITS FROM </span><span class=\"S148D SB S2\" id=\"t5_76\">THE NATIONAL BANKS AND OTHER BANKS (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t6_76\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_76\">2021 </span><span class=\"SDFB SA7 S2\" id=\"t8_76\">Within one year </span><span class=\"SD74 SA7 S2\" id=\"t9_76\">In HUF </span><span class=\"S148E SA7 S2\" id=\"ta_76\">369,015 </span><span class=\"S148F SA7 S2\" id=\"tb_76\">277,397 </span><span class=\"SD77 SA7 S2\" id=\"tc_76\">In foreign currency </span><span class=\"SD78 SA7 S2\" id=\"td_76\">218,611 </span><span class=\"SD79 SA7 S2\" id=\"te_76\">225,398 </span><span class=\"SD7A SB S2\" id=\"tf_76\">587,626 </span><span class=\"SD7B SB S2\" id=\"tg_76\">502,795 </span><span class=\"SE01 SA7 S2\" id=\"th_76\">Over one year </span><span class=\"SE02 SA7 S2\" id=\"ti_76\">In HUF </span><span class=\"S1490 SA7 S2\" id=\"tj_76\">689,579 </span><span class=\"S1491 SA7 S2\" id=\"tk_76\">900,948 </span><span class=\"SE05 SA7 S2\" id=\"tl_76\">In foreign currency </span><span class=\"S1492 SA7 S2\" id=\"tm_76\">185,953 </span><span class=\"S1493 SA7 S2\" id=\"tn_76\">163,605 </span><span class=\"S1494 SB S2\" id=\"to_76\">875,532 </span><span class=\"S101E SB S2\" id=\"tp_76\">1,064,553 </span><span class=\"S1495 SB S2\" id=\"tq_76\">Total </span><span class=\"S1496 SB S2\" id=\"tr_76\">1,463,158 </span><span class=\"S1497 SB S2\" id=\"ts_76\">1,567,348 </span><span class=\"S1498 SA7 S2\" id=\"tt_76\">Interest rates on amounts due to banks, the National Governments, deposits from the National Banks and other </span><span class=\"S1499 SA7 S2\" id=\"tu_76\">banks are as follows: </span><span class=\"S149A SB S2\" id=\"tv_76\">2022 </span><span class=\"S149B SB S2\" id=\"tw_76\">2021 </span><span class=\"S149C SA7 S2\" id=\"tx_76\">Within one year </span><span class=\"S149D SA7 S2\" id=\"ty_76\">In HUF </span><span class=\"S149E SA7 S2\" id=\"tz_76\">(2.40)% - 18.00% </span><span class=\"S149F SA7 S2\" id=\"t10_76\">(2.04)% - 4.66% </span><span class=\"S14A0 SA7 S2\" id=\"t11_76\">In foreign currency </span><span class=\"S14A1 SE8B S2\" id=\"t12_76\">1 </span><span class=\"S14A2 SA7 S2\" id=\"t13_76\">(2.32)% - 12.00% </span><span class=\"S14A3 SA7 S2\" id=\"t14_76\">(2.40)% - 17.60% </span><span class=\"S14A4 SA7 S2\" id=\"t15_76\">Over one year </span><span class=\"S14A5 SA7 S2\" id=\"t16_76\">In HUF </span><span class=\"S14A6 SA7 S2\" id=\"t17_76\">(2.40)% - 9.23% </span><span class=\"S14A7 SA7 S2\" id=\"t18_76\">(2.40)% - 4.66% </span><span class=\"S14A8 SA7 S2\" id=\"t19_76\">In foreign currency </span><span class=\"S14A9 SE8B S2\" id=\"t1a_76\">1 </span><span class=\"S14AA SA7 S2\" id=\"t1b_76\">(2.40)% - 13.76% </span><span class=\"S14AB SA7 S2\" id=\"t1c_76\">(2.40)% - 12.00% </span><span class=\"S14AC S482 S2\" id=\"t1d_76\">1 </span><span class=\"S14AD S483 S2\" id=\"t1e_76\">The highest interest rates for due to banks denominated in foreign exchange relate to loans taken from EBRD and Green for Growth Fund in </span><span class=\"S14AE S483 S2\" id=\"t1f_76\">Ukraine. </span><span class=\"S14AF SB S2\" id=\"t1g_76\">2022 </span><span class=\"S14B0 SB S2\" id=\"t1h_76\">2021 </span><span class=\"S14B1 SA7 S2\" id=\"t1i_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B2 SA7 S2\" id=\"t1j_76\">the National Governments, deposits from the </span><span class=\"S14B3 SA7 S2\" id=\"t1k_76\">National Banks and other banks denominated in HUF </span><span class=\"S14B4 SA7 S2\" id=\"t1l_76\">2.28% </span><span class=\"S14B5 SA7 S2\" id=\"t1m_76\">1.20% </span><span class=\"S14B6 SA7 S2\" id=\"t1n_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B7 SA7 S2\" id=\"t1o_76\">the National Governments, deposits from the </span><span class=\"S14B8 SA7 S2\" id=\"t1p_76\">National Banks and other banks denominated in </span><span class=\"S14B9 SA7 S2\" id=\"t1q_76\">in foreign currency </span><span class=\"S14BA SA7 S2\" id=\"t1r_76\">2.40% </span><span class=\"S14BB SA7 S2\" id=\"t1s_76\">1.49% </span><span class=\"SFA4 SB S2\" id=\"t3_77\">NOTE 18: </span><span class=\"S14BC SB S2\" id=\"t4_77\">REPO LIABILITIES (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_77\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_77\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_77\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_77\">In HUF </span><span class=\"SE32 SA7 S2\" id=\"t9_77\">29,147 </span><span class=\"SE33 SA7 S2\" id=\"ta_77\">49,726 </span><span class=\"SDC0 SA7 S2\" id=\"tb_77\">In foreign currency </span><span class=\"SE35 SA7 S2\" id=\"tc_77\">197 </span><span class=\"S10CB SA7 S2\" id=\"td_77\">29,321 </span><span class=\"S10CC SB S2\" id=\"te_77\">29,344 </span><span class=\"S10CD SB S2\" id=\"tf_77\">79,047 </span><span class=\"SDC5 SA7 S2\" id=\"tg_77\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_77\">In HUF </span><span class=\"SE3E SA7 S2\" id=\"ti_77\">96 </span><span class=\"S14BD SA7 S2\" id=\"tj_77\">- </span><span class=\"SDC9 SA7 S2\" id=\"tk_77\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_77\">187,929 </span><span class=\"SFB3 SA7 S2\" id=\"tm_77\">- </span><span class=\"S14BF SB S2\" id=\"tn_77\">188,025 </span><span class=\"S14C0 SB S2\" id=\"to_77\">- </span><span class=\"S14C1 SB S2\" id=\"tp_77\">Total </span><span class=\"S14C2 SB S2\" id=\"tq_77\">217,369 </span><span class=\"S14C3 SB S2\" id=\"tr_77\">79,047 </span><span class=\"S14C4 SA7 S2\" id=\"ts_77\">Interest rates on repo liabilities are as follows: </span><span class=\"S14C5 SB S2\" id=\"tt_77\">2022 </span><span class=\"S14C6 SB S2\" id=\"tu_77\">2021 </span><span class=\"S14C7 SA7 S2\" id=\"tv_77\">Interest rates on repo liabilities </span><span class=\"S14C8 SA7 S2\" id=\"tw_77\">denominated in HUF </span><span class=\"S14C9 SA7 S2\" id=\"tx_77\">4.75% - 15.47% </span><span class=\"S14CA SA7 S2\" id=\"ty_77\">0.00% - 2.80% </span><span class=\"S14CB SA7 S2\" id=\"tz_77\">Interest rates on repo liabilities </span><span class=\"S14CC SA7 S2\" id=\"t10_77\">denominated in foreign currency </span><span class=\"S14CD SA7 S2\" id=\"t11_77\">2.47% - 5.20% </span><span class=\"S14CE SA7 S2\" id=\"t12_77\">(0.95)% - 0.00% </span><span class=\"SFA4 SB S2\" id=\"t3_78\">NOTE 19: </span><span class=\"S13FD SB S2\" id=\"t4_78\">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR </span><span class=\"S14CF SB S2\" id=\"t5_78\">LOSS (in HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_78\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_78\">2021 </span><span class=\"S14D2 SA7 S2\" id=\"t8_78\">Within one year </span><span class=\"S14D3 SA7 S2\" id=\"t9_78\">In HUF </span><span class=\"S14D4 SA7 S2\" id=\"ta_78\">1,716 </span><span class=\"S14D5 SA7 S2\" id=\"tb_78\">1,784 </span><span class=\"S14D6 SA7 S2\" id=\"tc_78\">In foreign currency </span><span class=\"S14D7 SA7 S2\" id=\"td_78\">- </span><span class=\"S14D8 SA7 S2\" id=\"te_78\">- </span><span class=\"S14D9 SB S2\" id=\"tf_78\">1,716 </span><span class=\"S14DA SB S2\" id=\"tg_78\">1,784 </span><span class=\"S14DB SA7 S2\" id=\"th_78\">Over one year </span><span class=\"S14DC SA7 S2\" id=\"ti_78\">In HUF </span><span class=\"S14DD SA7 S2\" id=\"tj_78\">52,475 </span><span class=\"S14DE SA7 S2\" id=\"tk_78\">39,400 </span><span class=\"S14DF SA7 S2\" id=\"tl_78\">In foreign currency </span><span class=\"S14E0 SA7 S2\" id=\"tm_78\">- </span><span class=\"S14E1 SA7 S2\" id=\"tn_78\">- </span><span class=\"S14E2 SB S2\" id=\"to_78\">52,475 </span><span class=\"S14E3 SB S2\" id=\"tp_78\">39,400 </span><span class=\"S14E4 SB S2\" id=\"tq_78\">Total </span><span class=\"S14E5 SB S2\" id=\"tr_78\">54,191 </span><span class=\"S14E6 SB S2\" id=\"ts_78\">41,184 </span><span class=\"S14E7 SA7 S2\" id=\"tt_78\">Contractual amount outstanding </span><span class=\"S14E8 SA7 S2\" id=\"tu_78\">19,853 </span><span class=\"S14E9 SA7 S2\" id=\"tv_78\">21,479 </span><span class=\"S14EA SA7 S2\" id=\"tw_78\">Result from associated entity's measured </span><span class=\"S14EB SA7 S2\" id=\"tx_78\">at fair value attributable to the Group </span><span class=\"S14EC SA7 S2\" id=\"ty_78\">37,616 </span><span class=\"S14ED SA7 S2\" id=\"tz_78\">21,051 </span><span class=\"S14EE SA7 S2\" id=\"t10_78\">Interest conditions of financial liabilities designated at fair value through profit or loss can be analysed as follows: </span><span class=\"S14EF SB S2\" id=\"t11_78\">2022 </span><span class=\"S14F0 SB S2\" id=\"t12_78\">2021 </span><span class=\"S14F1 SA7 S2\" id=\"t13_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F2 SA7 S2\" id=\"t14_78\">fair value denominated in HUF within one year </span><span class=\"S14F3 SA7 S2\" id=\"t15_78\">2.19% - 3.96% </span><span class=\"S14F4 SA7 S2\" id=\"t16_78\">0.46% - 2.46% </span><span class=\"S14F5 SA7 S2\" id=\"t17_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F6 SA7 S2\" id=\"t18_78\">fair value denominated in HUF over one year </span><span class=\"S14F7 SA7 S2\" id=\"t19_78\">0.01% - 4.63% </span><span class=\"S14F8 SA7 S2\" id=\"t1a_78\">0.01% - 2.90% </span><span class=\"S14F9 S5B9 S2\" id=\"t1b_78\">Certain MFB (\u201cHungarian Development Bank\u201d) refinanced loan receivables are categorised as fair value through </span><span class=\"S14FA SA7 S2\" id=\"t1c_78\">profit or loss based on SPPI test. Related refinancing loans at the liability side are categorised as fair value through </span><span class=\"S14FB SA7 S2\" id=\"t1d_78\">profit or loss based on fair value option due to accounting mismatch as provided by the IFRS 9 standard. </span><span class=\"SC5A SA7 S2\" id=\"t1e_78\">The Group controls capital funds where it does not hold the 100% of the owner rights. The related non-controlling </span><span class=\"S14FC SA7 S2\" id=\"t1f_78\">interest is treated as financial liability designated at fair value through profit or loss as it is not considered equity </span><span class=\"S14FD SA7 S2\" id=\"t1g_78\">under IAS 32. </span><span class=\"SFA4 SB S2\" id=\"t3_79\">NOTE 20: </span><span class=\"S13FD SB S2\" id=\"t4_79\">DEPOSITS FROM CUSTOMERS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_79\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_79\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_79\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_79\">In HUF </span><span class=\"SFA7 SA7 S2\" id=\"t9_79\">7,910,448 </span><span class=\"SFA8 SA7 S2\" id=\"ta_79\">7,829,595 </span><span class=\"SDC0 SA7 S2\" id=\"tb_79\">In foreign currency </span><span class=\"S14FE SA7 S2\" id=\"tc_79\">16,757,984 </span><span class=\"S14FF SA7 S2\" id=\"td_79\">12,758,360 </span><span class=\"S1500 SB S2\" id=\"te_79\">24,668,432 </span><span class=\"S1501 SB S2\" id=\"tf_79\">20,587,955 </span><span class=\"SDC5 SA7 S2\" id=\"tg_79\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_79\">In HUF </span><span class=\"S1502 SA7 S2\" id=\"ti_79\">274,217 </span><span class=\"SDC8 SA7 S2\" id=\"tj_79\">293,606 </span><span class=\"SDC9 SA7 S2\" id=\"tk_79\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_79\">246,156 </span><span class=\"S1503 SA7 S2\" id=\"tm_79\">187,083 </span><span class=\"S14BF SB S2\" id=\"tn_79\">520,373 </span><span class=\"SDCD SB S2\" id=\"to_79\">480,689 </span><span class=\"S14C1 SB S2\" id=\"tp_79\">Total </span><span class=\"S1504 SB S2\" id=\"tq_79\">25,188,805 </span><span class=\"S1505 SB S2\" id=\"tr_79\">21,068,644 </span><span class=\"S1506 SA7 S2\" id=\"ts_79\">Interest rates on deposits from customers are as follows: </span><span class=\"S1507 SB S2\" id=\"tt_79\">2022 </span><span class=\"S1508 SB S2\" id=\"tu_79\">2021 </span><span class=\"S1509 SA7 S2\" id=\"tv_79\">Within one year </span><span class=\"S150A SA7 S2\" id=\"tw_79\">In HUF </span><span class=\"S150B SA7 S2\" id=\"tx_79\">0.00% - 17.95% </span><span class=\"S150C SA7 S2\" id=\"ty_79\">(2.48)% - 7.96% </span><span class=\"S150D SA7 S2\" id=\"tz_79\">In foreign currency </span><span class=\"S150E SE8B S2\" id=\"t10_79\">1 </span><span class=\"S150F SA7 S2\" id=\"t11_79\">(0.40)% - 45.10% </span><span class=\"S1510 SA7 S2\" id=\"t12_79\">(1.01)% - 17.20% </span><span class=\"S1511 SA7 S2\" id=\"t13_79\">Over one year </span><span class=\"S1512 SA7 S2\" id=\"t14_79\">In HUF </span><span class=\"S1513 SA7 S2\" id=\"t15_79\">0.00%- 13.00% </span><span class=\"S1514 SA7 S2\" id=\"t16_79\">0.01% - 3.00% </span><span class=\"SFC4 SA7 S2\" id=\"t17_79\">In foreign currency </span><span class=\"S1515 SA7 S2\" id=\"t18_79\">0.00% - 18.00% </span><span class=\"S1516 SA7 S2\" id=\"t19_79\">0.00% - 8.90% </span><span class=\"S1517 S482 S2\" id=\"t1a_79\">1 </span><span class=\"S1518 S483 S2\" id=\"t1b_79\">The highest interest rate regarding within-one-year deposits in foreign currency for the current and previous year relate to treasury deposit in </span><span class=\"S1519 S483 S2\" id=\"t1c_79\">Turkish lira in Hungary. </span><span class=\"S151A SB S2\" id=\"t1d_79\">2022 </span><span class=\"S151B SB S2\" id=\"t1e_79\">2021 </span><span class=\"S151C SA7 S2\" id=\"t1f_79\">Average interest rates on deposits from customers </span><span class=\"S151D SA7 S2\" id=\"t1g_79\">denominated in HUF </span><span class=\"S151E SA7 S2\" id=\"t1h_79\">2.21% </span><span class=\"S151F SA7 S2\" id=\"t1i_79\">0.18% </span><span class=\"S1520 SA7 S2\" id=\"t1j_79\">Average interest rates on deposits from customers </span><span class=\"S1521 SA7 S2\" id=\"t1k_79\">denominated in foreign currency </span><span class=\"S1522 SA7 S2\" id=\"t1l_79\">0.68% </span><span class=\"S1523 SA7 S2\" id=\"t1m_79\">0.34% </span><span class=\"S1524 SA7 S2\" id=\"t1n_79\">An analysis of deposits from customers by type is as follows: </span><span class=\"S1525 SB S2\" id=\"t1o_79\">2022 </span><span class=\"S1526 SB S2\" id=\"t1p_79\">2021 </span><span class=\"S1527 SA7 S2\" id=\"t1q_79\">Retail deposits </span><span class=\"S1528 SA7 S2\" id=\"t1r_79\">13,739,669 </span><span class=\"S1529 SA7 S2\" id=\"t1s_79\">54.55% </span><span class=\"S152A SA7 S2\" id=\"t1t_79\">11,982,784 </span><span class=\"S152B SA7 S2\" id=\"t1u_79\">56.88% </span><span class=\"S152C SA7 S2\" id=\"t1v_79\">Corporate deposits </span><span class=\"S152D SA7 S2\" id=\"t1w_79\">10,408,982 </span><span class=\"S152E SA7 S2\" id=\"t1x_79\">41.32% </span><span class=\"S152F SA7 S2\" id=\"t1y_79\">8,093,206 </span><span class=\"S1530 SA7 S2\" id=\"t1z_79\">38.41% </span><span class=\"S1531 SA7 S2\" id=\"t20_79\">Municipality deposits </span><span class=\"S1532 SA7 S2\" id=\"t21_79\">1,040,154 </span><span class=\"S1533 SA7 S2\" id=\"t22_79\">4.13% </span><span class=\"S1534 SA7 S2\" id=\"t23_79\">992,654 </span><span class=\"S1535 SA7 S2\" id=\"t24_79\">4.71% </span><span class=\"S1536 SB S2\" id=\"t25_79\">Total </span><span class=\"S1537 SB S2\" id=\"t26_79\">25,188,805 </span><span class=\"S1538 SB S2\" id=\"t27_79\">100.00% </span><span class=\"S1539 SB S2\" id=\"t28_79\">21,068,644 </span><span class=\"S153A SB S2\" id=\"t29_79\">100.00% </span><span class=\"SFA4 SB S2\" id=\"t3_80\">NOTE 21: </span><span class=\"S153B SB S2\" id=\"t4_80\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_80\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_80\">2021 </span><span class=\"S153C SA7 S2\" id=\"t7_80\">With original maturity </span><span class=\"S153D SA7 S2\" id=\"t8_80\">Within one year </span><span class=\"S153E SA7 S2\" id=\"t9_80\">In HUF </span><span class=\"S10CA SA7 S2\" id=\"ta_80\">48,755 </span><span class=\"SE36 SA7 S2\" id=\"tb_80\">9,332 </span><span class=\"S153F SA7 S2\" id=\"tc_80\">In foreign currency </span><span class=\"S1540 SA7 S2\" id=\"td_80\">6,427 </span><span class=\"S1541 SA7 S2\" id=\"te_80\">13 </span><span class=\"SE3B SB S2\" id=\"tf_80\">55,182 </span><span class=\"S1542 SB S2\" id=\"tg_80\">9,345 </span><span class=\"S1543 SA7 S2\" id=\"th_80\">Over one year </span><span class=\"S1544 SA7 S2\" id=\"ti_80\">In HUF </span><span class=\"S14BF SA7 S2\" id=\"tj_80\">373,645 </span><span class=\"SDCD SA7 S2\" id=\"tk_80\">426,929 </span><span class=\"S1545 SA7 S2\" id=\"tl_80\">In foreign currency </span><span class=\"SE45 SA7 S2\" id=\"tm_80\">441,855 </span><span class=\"S1546 SA7 S2\" id=\"tn_80\">51 </span><span class=\"S14C2 SB S2\" id=\"to_80\">815,500 </span><span class=\"S1547 SB S2\" id=\"tp_80\">426,980 </span><span class=\"SDD1 SB S2\" id=\"tq_80\">Total </span><span class=\"S1548 SB S2\" id=\"tr_80\">870,682 </span><span class=\"S1549 SB S2\" id=\"ts_80\">436,325 </span><span class=\"S154A SA7 S2\" id=\"tt_80\">Interest rates on liabilities from issued securities are as follows: </span><span class=\"S154B SB S2\" id=\"tu_80\">2022 </span><span class=\"S154C SB S2\" id=\"tv_80\">2021 </span><span class=\"S154D SA7 S2\" id=\"tw_80\">Issued securities denominated in HUF </span><span class=\"S154E SA7 S2\" id=\"tx_80\">0.60% - 15.00% </span><span class=\"S154F SA7 S2\" id=\"ty_80\">0.60% - 4.26% </span><span class=\"SD91 SA7 S2\" id=\"tz_80\">Issued securities denominated in foreign currency </span><span class=\"S1550 SA7 S2\" id=\"t10_80\">0.74% - 7.35% </span><span class=\"S1514 SA7 S2\" id=\"t11_80\">0.74% - 5.00% </span><span class=\"S1551 SB S2\" id=\"t12_80\">2022 </span><span class=\"S1552 SB S2\" id=\"t13_80\">2021 </span><span class=\"S1553 SA7 S2\" id=\"t14_80\">Average interest rates on issued securities </span><span class=\"S1554 SA7 S2\" id=\"t15_80\">denominated in HUF </span><span class=\"S1555 SA7 S2\" id=\"t16_80\">5.00% </span><span class=\"S1556 SA7 S2\" id=\"t17_80\">2.20% </span><span class=\"S1557 SA7 S2\" id=\"t18_80\">Average interest rates on issued securities </span><span class=\"S1558 SA7 S2\" id=\"t19_80\">denominated in foreign currency </span><span class=\"S1559 SA7 S2\" id=\"t1a_80\">2.95% </span><span class=\"S155A SA7 S2\" id=\"t1b_80\">0.25% </span><span class=\"S6D0 SB S2\" id=\"t1c_80\">Issued securities denominated in HUF as at 31 December 2022 (in HUF mn) </span><span class=\"S155B SC43 S2\" id=\"t1d_80\">Name </span><span class=\"S155C SC43 S2\" id=\"t1e_80\">Date of issue </span><span class=\"S155D SC43 S2\" id=\"t1f_80\">Maturity </span><span class=\"S155E SC43 S2\" id=\"t1g_80\">Nominal </span><span class=\"S155F SC43 S2\" id=\"t1h_80\">value </span><span class=\"S1560 SC43 S2\" id=\"t1i_80\">Amortized </span><span class=\"S1561 SC43 S2\" id=\"t1j_80\">cost </span><span class=\"S1562 SC43 S2\" id=\"t1k_80\">Interest conditions </span><span class=\"S1563 SC43 S2\" id=\"t1l_80\">Hedged </span><span class=\"S1564 SC43 S2\" id=\"t1m_80\">(in HUF mn) </span><span class=\"S1565 SC43 S2\" id=\"t1n_80\">(in HUF mn) </span><span class=\"S1566 SC43 S2\" id=\"t1o_80\">(actual interest </span><span class=\"S1567 SC43 S2\" id=\"t1p_80\">rate in % p.a.) </span><span class=\"S1568 S483 S2\" id=\"t1q_80\">1 </span><span class=\"S1569 S483 S2\" id=\"t1r_80\">OTPX2023A </span><span class=\"S156A S483 S2\" id=\"t1s_80\">22/03/2013 </span><span class=\"S156B S483 S2\" id=\"t1t_80\">24/03/2023 </span><span class=\"S156C S483 S2\" id=\"t1u_80\">312 </span><span class=\"S156D S483 S2\" id=\"t1v_80\">410 </span><span class=\"S156E S483 S2\" id=\"t1w_80\">indexed </span><span class=\"S156F S483 S2\" id=\"t1x_80\">1.70 </span><span class=\"S1570 S483 S2\" id=\"t1y_80\">hedged </span><span class=\"S1571 S483 S2\" id=\"t1z_80\">2 </span><span class=\"S1572 S483 S2\" id=\"t20_80\">OTPX2023B </span><span class=\"S1573 S483 S2\" id=\"t21_80\">28/06/2013 </span><span class=\"S1574 S483 S2\" id=\"t22_80\">26/06/2023 </span><span class=\"S1575 S483 S2\" id=\"t23_80\">198 </span><span class=\"S1576 S483 S2\" id=\"t24_80\">260 </span><span class=\"S1577 S483 S2\" id=\"t25_80\">indexed </span><span class=\"S1578 S483 S2\" id=\"t26_80\">0.60 </span><span class=\"S1579 S483 S2\" id=\"t27_80\">hedged </span><span class=\"S157A S483 S2\" id=\"t28_80\">3 </span><span class=\"S157B S483 S2\" id=\"t29_80\">OTPX2024A </span><span class=\"S157C S483 S2\" id=\"t2a_80\">18/06/2014 </span><span class=\"S157D S483 S2\" id=\"t2b_80\">21/06/2024 </span><span class=\"S157E S483 S2\" id=\"t2c_80\">241 </span><span class=\"S157F S483 S2\" id=\"t2d_80\">310 </span><span class=\"S1580 S483 S2\" id=\"t2e_80\">indexed </span><span class=\"S1581 S483 S2\" id=\"t2f_80\">1.30 </span><span class=\"S1582 S483 S2\" id=\"t2g_80\">hedged </span><span class=\"S1583 S483 S2\" id=\"t2h_80\">4 </span><span class=\"S1584 S483 S2\" id=\"t2i_80\">OTPX2024B </span><span class=\"S1585 S483 S2\" id=\"t2j_80\">10/10/2014 </span><span class=\"S1586 S483 S2\" id=\"t2k_80\">16/10/2024 </span><span class=\"S1587 S483 S2\" id=\"t2l_80\">295 </span><span class=\"S1588 S483 S2\" id=\"t2m_80\">378 </span><span class=\"S1589 S483 S2\" id=\"t2n_80\">indexed </span><span class=\"S158A S483 S2\" id=\"t2o_80\">0.70 </span><span class=\"S158B S483 S2\" id=\"t2p_80\">hedged </span><span class=\"S158C S483 S2\" id=\"t2q_80\">5 </span><span class=\"S158D S483 S2\" id=\"t2r_80\">OTPX2024C </span><span class=\"S158E S483 S2\" id=\"t2s_80\">15/12/2014 </span><span class=\"S158F S483 S2\" id=\"t2t_80\">20/12/2024 </span><span class=\"S1590 S483 S2\" id=\"t2u_80\">242 </span><span class=\"S1591 S483 S2\" id=\"t2v_80\">309 </span><span class=\"S1592 S483 S2\" id=\"t2w_80\">indexed </span><span class=\"S1593 S483 S2\" id=\"t2x_80\">0.60 </span><span class=\"S1594 S483 S2\" id=\"t2y_80\">hedged </span><span class=\"S1595 S483 S2\" id=\"t2z_80\">6 </span><span class=\"S1596 S483 S2\" id=\"t30_80\">OTP_HUF_25/1 </span><span class=\"S1597 S483 S2\" id=\"t31_80\">18/11/2022 </span><span class=\"S1598 S483 S2\" id=\"t32_80\">18/11/2025 </span><span class=\"S1599 S483 S2\" id=\"t33_80\">25,562 </span><span class=\"S159A S483 S2\" id=\"t34_80\">26,046 </span><span class=\"S159B S483 S2\" id=\"t35_80\">fix </span><span class=\"S159C S483 S2\" id=\"t36_80\">15.00 </span><span class=\"S159D S483 S2\" id=\"t37_80\">7 </span><span class=\"S159E S483 S2\" id=\"t38_80\">OTP_HUF_26/1 </span><span class=\"S159F S483 S2\" id=\"t39_80\">22/12/2022 </span><span class=\"S15A0 S483 S2\" id=\"t3a_80\">05/01/2026 </span><span class=\"S15A1 S483 S2\" id=\"t3b_80\">10,229 </span><span class=\"S15A2 S483 S2\" id=\"t3c_80\">10,270 </span><span class=\"S15A3 S483 S2\" id=\"t3d_80\">fix </span><span class=\"S15A4 S483 S2\" id=\"t3e_80\">12.00 </span><span class=\"S15A5 S483 S2\" id=\"t3f_80\">8 </span><span class=\"S15A6 S483 S2\" id=\"t3g_80\">OTPRF2023A </span><span class=\"S15A7 S483 S2\" id=\"t3h_80\">22/03/2013 </span><span class=\"S15A8 S483 S2\" id=\"t3i_80\">24/03/2023 </span><span class=\"S15A9 S483 S2\" id=\"t3j_80\">1,010 </span><span class=\"S15AA S483 S2\" id=\"t3k_80\">1,215 </span><span class=\"S15AB S483 S2\" id=\"t3l_80\">indexed </span><span class=\"S15AC S483 S2\" id=\"t3m_80\">1.70 </span><span class=\"S15AD S483 S2\" id=\"t3n_80\">hedged </span><span class=\"S15AE SC43 S2\" id=\"t3o_80\">Subtotal </span><span class=\"S15AF SC43 S2\" id=\"t3p_80\">38,089 </span><span class=\"S15B0 SC43 S2\" id=\"t3q_80\">39,198 </span><span class=\"SFA4 SB S2\" id=\"t3_81\">NOTE 21: </span><span class=\"S13E0 SB S2\" id=\"t4_81\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"S15B1 SB S2\" id=\"t5_81\">Issued securities denominated in HUF as at 31 December 2022 (in HUF mn) [continued] </span><span class=\"S15B2 SC43 S2\" id=\"t6_81\">Name </span><span class=\"S15B3 SC43 S2\" id=\"t7_81\">Date of issue </span><span class=\"S15B4 SC43 S2\" id=\"t8_81\">Maturity </span><span class=\"S15B5 SC43 S2\" id=\"t9_81\">Nominal </span><span class=\"S15B6 SC43 S2\" id=\"ta_81\">value </span><span class=\"S15B7 SC43 S2\" id=\"tb_81\">Amortized </span><span class=\"S15B8 SC43 S2\" id=\"tc_81\">cost </span><span class=\"S15B9 SC43 S2\" id=\"td_81\">Interest conditions </span><span class=\"S15BA SC43 S2\" id=\"te_81\">Hedged </span><span class=\"S15BB SC43 S2\" id=\"tf_81\">(in HUF mn) </span><span class=\"S15BC SC43 S2\" id=\"tg_81\">(in HUF mn) </span><span class=\"S15BD SC43 S2\" id=\"th_81\">(actual interest </span><span class=\"S15BE SC43 S2\" id=\"ti_81\">rate in % p.a.) </span><span class=\"S15BF S483 S2\" id=\"tj_81\">9 </span><span class=\"S15C0 S483 S2\" id=\"tk_81\">OJB2023_I </span><span class=\"S15C1 S483 S2\" id=\"tl_81\">05/04/2018 </span><span class=\"S15C2 S483 S2\" id=\"tm_81\">24/11/2023 </span><span class=\"S15C3 S483 S2\" id=\"tn_81\">44,120 </span><span class=\"S15C4 S483 S2\" id=\"to_81\">39,968 </span><span class=\"S15C5 S483 S2\" id=\"tp_81\">fix </span><span class=\"S15C6 S483 S2\" id=\"tq_81\">1.75 </span><span class=\"S15C7 S483 S2\" id=\"tr_81\">hedged </span><span class=\"S15C8 S483 S2\" id=\"ts_81\">10 </span><span class=\"S15C9 S483 S2\" id=\"tt_81\">OJB2024_A </span><span class=\"S15CA S483 S2\" id=\"tu_81\">17/09/2018 </span><span class=\"S15CB S483 S2\" id=\"tv_81\">20/05/2024 </span><span class=\"S15CC S483 S2\" id=\"tw_81\">53,732 </span><span class=\"S15CD S483 S2\" id=\"tx_81\">53,933 </span><span class=\"S15CE S483 S2\" id=\"ty_81\">floating </span><span class=\"S15CF S483 S2\" id=\"tz_81\">17.36 </span><span class=\"S15D0 S483 S2\" id=\"t10_81\">11 </span><span class=\"S15D1 S483 S2\" id=\"t11_81\">OJB2024_II </span><span class=\"S15D2 S483 S2\" id=\"t12_81\">10/10/2018 </span><span class=\"S15D3 S483 S2\" id=\"t13_81\">24/10/2024 </span><span class=\"S15D4 S483 S2\" id=\"t14_81\">96,800 </span><span class=\"S15D5 S483 S2\" id=\"t15_81\">79,228 </span><span class=\"S15D6 S483 S2\" id=\"t16_81\">fix </span><span class=\"S15D7 S483 S2\" id=\"t17_81\">2.50 </span><span class=\"S15D8 S483 S2\" id=\"t18_81\">hedged </span><span class=\"S15D9 S483 S2\" id=\"t19_81\">12 </span><span class=\"S15DA S483 S2\" id=\"t1a_81\">OJB2025_II </span><span class=\"S15DB S483 S2\" id=\"t1b_81\">03/02/2020 </span><span class=\"S15DC S483 S2\" id=\"t1c_81\">26/11/2025 </span><span class=\"S15DD S483 S2\" id=\"t1d_81\">22,550 </span><span class=\"S15DE S483 S2\" id=\"t1e_81\">16,193 </span><span class=\"S15DF S483 S2\" id=\"t1f_81\">fix </span><span class=\"S15E0 S483 S2\" id=\"t1g_81\">1.50 </span><span class=\"S15E1 S483 S2\" id=\"t1h_81\">hedged </span><span class=\"S15E2 S483 S2\" id=\"t1i_81\">13 </span><span class=\"S15E3 S483 S2\" id=\"t1j_81\">OJB2027_I </span><span class=\"S15E4 S483 S2\" id=\"t1k_81\">23/07/2020 </span><span class=\"S15E5 S483 S2\" id=\"t1l_81\">27/10/2027 </span><span class=\"S15E6 S483 S2\" id=\"t1m_81\">76,850 </span><span class=\"S15E7 S483 S2\" id=\"t1n_81\">52,608 </span><span class=\"S15E8 S483 S2\" id=\"t1o_81\">fix </span><span class=\"S15E9 S483 S2\" id=\"t1p_81\">1.25 </span><span class=\"S15EA S483 S2\" id=\"t1q_81\">hedged </span><span class=\"S15EB S483 S2\" id=\"t1r_81\">14 </span><span class=\"S15EC S483 S2\" id=\"t1s_81\">OJB2029_A </span><span class=\"S15ED S483 S2\" id=\"t1t_81\">25/07/2022 </span><span class=\"S15EE S483 S2\" id=\"t1u_81\">24/05/2029 </span><span class=\"S15EF S483 S2\" id=\"t1v_81\">91,510 </span><span class=\"S15F0 S483 S2\" id=\"t1w_81\">91,488 </span><span class=\"S15F1 S483 S2\" id=\"t1x_81\">floating </span><span class=\"S15F2 S483 S2\" id=\"t1y_81\">17.13 </span><span class=\"S15F3 S483 S2\" id=\"t1z_81\">15 </span><span class=\"S15F4 S483 S2\" id=\"t20_81\">OJB2031_I </span><span class=\"S15F5 S483 S2\" id=\"t21_81\">18/08/2021 </span><span class=\"S15F6 S483 S2\" id=\"t22_81\">22/10/2031 </span><span class=\"S15F7 S483 S2\" id=\"t23_81\">82,000 </span><span class=\"S15F8 S483 S2\" id=\"t24_81\">49,515 </span><span class=\"S15F9 S483 S2\" id=\"t25_81\">fix </span><span class=\"S15FA S483 S2\" id=\"t26_81\">2.50 </span><span class=\"S15FB S483 S2\" id=\"t27_81\">hedged </span><span class=\"S15FC S483 S2\" id=\"t28_81\">16 </span><span class=\"S15FD S483 S2\" id=\"t29_81\">Other </span><span class=\"S15FE S483 S2\" id=\"t2a_81\">269 </span><span class=\"S15FF S483 S2\" id=\"t2b_81\">269 </span><span class=\"S1600 SC43 S2\" id=\"t2c_81\">Total issued securities in HUF </span><span class=\"S1601 SC43 S2\" id=\"t2d_81\">505,920 </span><span class=\"S1602 SC43 S2\" id=\"t2e_81\">422,400 </span><span class=\"S1603 SB S2\" id=\"t2f_81\">Issued securities denominated in foreign currency as at 31 December 2022 </span><span class=\"S1604 SC43 S2\" id=\"t2g_81\">Name </span><span class=\"S1605 SC43 S2\" id=\"t2h_81\">Date of issue </span><span class=\"S1606 SC43 S2\" id=\"t2i_81\">Maturity </span><span class=\"S1607 SC43 S2\" id=\"t2j_81\">Type of </span><span class=\"S1608 SC43 S2\" id=\"t2k_81\">FX </span><span class=\"S1609 SC43 S2\" id=\"t2l_81\">Nominal value </span><span class=\"S160A SC43 S2\" id=\"t2m_81\">Amortized cost </span><span class=\"S160B SC43 S2\" id=\"t2n_81\">Interest conditions </span><span class=\"S160C SC43 S2\" id=\"t2o_81\">(FX mn) </span><span class=\"S160D SC43 S2\" id=\"t2p_81\">(FX mn) </span><span class=\"S160E SC43 S2\" id=\"t2q_81\">(actual interest rate in </span><span class=\"S160F SC43 S2\" id=\"t2r_81\">% p.a.) </span><span class=\"S1610 S483 S2\" id=\"t2s_81\">1 </span><span class=\"S1611 S483 S2\" id=\"t2t_81\">XS2560693181 </span><span class=\"S1612 S483 S2\" id=\"t2u_81\">01/12/2022 </span><span class=\"S1613 S483 S2\" id=\"t2v_81\">04/03/2026 </span><span class=\"S1614 S483 S2\" id=\"t2w_81\">EUR </span><span class=\"S1615 S483 S2\" id=\"t2x_81\">650 </span><span class=\"S1616 S483 S2\" id=\"t2y_81\">260,136 </span><span class=\"S1617 S483 S2\" id=\"t2z_81\">653 </span><span class=\"S1618 S483 S2\" id=\"t30_81\">261,341 </span><span class=\"S1619 S483 S2\" id=\"t31_81\">fix </span><span class=\"S161A S483 S2\" id=\"t32_81\">7.35 </span><span class=\"S161B S483 S2\" id=\"t33_81\">2 </span><span class=\"S161C S483 S2\" id=\"t34_81\">XS2499691330 </span><span class=\"S161D S483 S2\" id=\"t35_81\">13/07/2022 </span><span class=\"S161E S483 S2\" id=\"t36_81\">13/07/2025 </span><span class=\"S161F S483 S2\" id=\"t37_81\">EUR </span><span class=\"S1620 S483 S2\" id=\"t38_81\">399 </span><span class=\"S1621 S483 S2\" id=\"t39_81\">159,859 </span><span class=\"S1622 S483 S2\" id=\"t3a_81\">409 </span><span class=\"S1623 S483 S2\" id=\"t3b_81\">163,893 </span><span class=\"S1624 S483 S2\" id=\"t3c_81\">fix </span><span class=\"S1625 S483 S2\" id=\"t3d_81\">5.50 </span><span class=\"S1626 S483 S2\" id=\"t3e_81\">3 </span><span class=\"S1627 S483 S2\" id=\"t3f_81\">XS2536446649 </span><span class=\"S1628 S483 S2\" id=\"t3g_81\">29/09/2022 </span><span class=\"S1629 S483 S2\" id=\"t3h_81\">29/09/2026 </span><span class=\"S162A S483 S2\" id=\"t3i_81\">USD </span><span class=\"S162B S483 S2\" id=\"t3j_81\">60 </span><span class=\"S162C S483 S2\" id=\"t3k_81\">22,541 </span><span class=\"S162D S483 S2\" id=\"t3l_81\">61 </span><span class=\"S162E S483 S2\" id=\"t3m_81\">22,972 </span><span class=\"S162F S483 S2\" id=\"t3n_81\">fix </span><span class=\"S1630 S483 S2\" id=\"t3o_81\">7.25 </span><span class=\"S1631 S483 S2\" id=\"t3p_81\">4 </span><span class=\"S1632 S483 S2\" id=\"t3q_81\">Other </span><span class=\"S1633 S482 S2\" id=\"t3r_81\">1 </span><span class=\"S1634 S483 S2\" id=\"t3s_81\">12 </span><span class=\"S1635 S483 S2\" id=\"t3t_81\">60 </span><span class=\"S1636 S483 S2\" id=\"t3u_81\">15 </span><span class=\"S1637 S483 S2\" id=\"t3v_81\">76 </span><span class=\"S1638 SC43 S2\" id=\"t3w_81\">Total issued securities in FX </span><span class=\"S1639 SC43 S2\" id=\"t3x_81\">442,596 </span><span class=\"S163A SC43 S2\" id=\"t3y_81\">448,282 </span><span class=\"S163B SC43 S2\" id=\"t3z_81\">Total issued securities </span><span class=\"S163C SC43 S2\" id=\"t40_81\">870,682 </span><span class=\"S163D SE8B S2\" id=\"t41_81\">1 </span><span class=\"S163E SA7 S2\" id=\"t42_81\">Issued other </span><span class=\"S163F S5B9 S2\" id=\"t43_81\">securities denominated in foreign currency are promissory notes issued by JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S1640 SA7 S2\" id=\"t44_81\">in the amount of HUF 60 million as at 31 December 2022. </span><span class=\"S1641 SB S2\" id=\"t45_81\">Issued securities denominated in HUF as at 31 December 2021 (in HUF mn) </span><span class=\"S1642 SC43 S2\" id=\"t46_81\">Name </span><span class=\"S1643 SC43 S2\" id=\"t47_81\">Date of issue </span><span class=\"S1644 SC43 S2\" id=\"t48_81\">Maturity </span><span class=\"S1645 SC43 S2\" id=\"t49_81\">Nominal </span><span class=\"S1646 SC43 S2\" id=\"t4a_81\">value </span><span class=\"S1647 SC43 S2\" id=\"t4b_81\">Amortized </span><span class=\"S1648 SC43 S2\" id=\"t4c_81\">cost </span><span class=\"S1649 SC43 S2\" id=\"t4d_81\">Interest conditions </span><span class=\"S164A SC43 S2\" id=\"t4e_81\">Hedged </span><span class=\"S164B SC43 S2\" id=\"t4f_81\">(in HUF mn) </span><span class=\"S164C SC43 S2\" id=\"t4g_81\">(in HUF mn) </span><span class=\"S164D SC43 S2\" id=\"t4h_81\">(actual interest </span><span class=\"S164E SC43 S2\" id=\"t4i_81\">rate in % p.a.) </span><span class=\"S164F S483 S2\" id=\"t4j_81\">1 </span><span class=\"S1650 S483 S2\" id=\"t4k_81\">OTPX2022A </span><span class=\"S1651 S483 S2\" id=\"t4l_81\">22/03/2012 </span><span class=\"S1652 S483 S2\" id=\"t4m_81\">23/03/2022 </span><span class=\"S1653 S483 S2\" id=\"t4n_81\">175 </span><span class=\"S1654 S483 S2\" id=\"t4o_81\">236 </span><span class=\"S1655 S483 S2\" id=\"t4p_81\">indexed </span><span class=\"S1656 S483 S2\" id=\"t4q_81\">NaN </span><span class=\"S1657 S483 S2\" id=\"t4r_81\">hedged </span><span class=\"S1658 S483 S2\" id=\"t4s_81\">2 </span><span class=\"S1659 S483 S2\" id=\"t4t_81\">OTPX2022B </span><span class=\"S165A S483 S2\" id=\"t4u_81\">18/07/2012 </span><span class=\"S165B S483 S2\" id=\"t4v_81\">18/07/2022 </span><span class=\"S165C S483 S2\" id=\"t4w_81\">164 </span><span class=\"S165D S483 S2\" id=\"t4x_81\">549 </span><span class=\"S165E S483 S2\" id=\"t4y_81\">indexed </span><span class=\"S165F S483 S2\" id=\"t4z_81\">1.70 </span><span class=\"S1660 S483 S2\" id=\"t50_81\">hedged </span><span class=\"S1661 S483 S2\" id=\"t51_81\">3 </span><span class=\"S1662 S483 S2\" id=\"t52_81\">OTPX2022C </span><span class=\"S1663 S483 S2\" id=\"t53_81\">29/10/2012 </span><span class=\"S1664 S483 S2\" id=\"t54_81\">28/10/2022 </span><span class=\"S1665 S483 S2\" id=\"t55_81\">177 </span><span class=\"S1666 S483 S2\" id=\"t56_81\">317 </span><span class=\"S1667 S483 S2\" id=\"t57_81\">indexed </span><span class=\"S1668 S483 S2\" id=\"t58_81\">1.70 </span><span class=\"S1669 S483 S2\" id=\"t59_81\">hedged </span><span class=\"S166A S483 S2\" id=\"t5a_81\">4 </span><span class=\"S166B S483 S2\" id=\"t5b_81\">OTPX2022D </span><span class=\"S166C S483 S2\" id=\"t5c_81\">28/12/2012 </span><span class=\"S166D S483 S2\" id=\"t5d_81\">27/12/2022 </span><span class=\"S166E S483 S2\" id=\"t5e_81\">238 </span><span class=\"S166F S483 S2\" id=\"t5f_81\">290 </span><span class=\"S1670 S483 S2\" id=\"t5g_81\">indexed </span><span class=\"S1671 S483 S2\" id=\"t5h_81\">1.70 </span><span class=\"S1672 S483 S2\" id=\"t5i_81\">hedged </span><span class=\"S1673 S483 S2\" id=\"t5j_81\">5 </span><span class=\"S1674 S483 S2\" id=\"t5k_81\">OTPX2023A </span><span class=\"S1675 S483 S2\" id=\"t5l_81\">22/03/2013 </span><span class=\"S1676 S483 S2\" id=\"t5m_81\">24/03/2023 </span><span class=\"S1677 S483 S2\" id=\"t5n_81\">312 </span><span class=\"S1678 S483 S2\" id=\"t5o_81\">366 </span><span class=\"S1679 S483 S2\" id=\"t5p_81\">indexed </span><span class=\"S167A S483 S2\" id=\"t5q_81\">1.70 </span><span class=\"S167B S483 S2\" id=\"t5r_81\">hedged </span><span class=\"S167C S483 S2\" id=\"t5s_81\">6 </span><span class=\"S167D S483 S2\" id=\"t5t_81\">OTPX2023B </span><span class=\"S167E S483 S2\" id=\"t5u_81\">28/06/2013 </span><span class=\"S167F S483 S2\" id=\"t5v_81\">26/06/2023 </span><span class=\"S1680 S483 S2\" id=\"t5w_81\">198 </span><span class=\"S1681 S483 S2\" id=\"t5x_81\">272 </span><span class=\"S1682 S483 S2\" id=\"t5y_81\">indexed </span><span class=\"S1683 S483 S2\" id=\"t5z_81\">0.60 </span><span class=\"S1684 S483 S2\" id=\"t60_81\">hedged </span><span class=\"S1685 S483 S2\" id=\"t61_81\">7 </span><span class=\"S1686 S483 S2\" id=\"t62_81\">OTPX2024A </span><span class=\"S1687 S483 S2\" id=\"t63_81\">18/06/2014 </span><span class=\"S1688 S483 S2\" id=\"t64_81\">21/06/2024 </span><span class=\"S1689 S483 S2\" id=\"t65_81\">241 </span><span class=\"S168A S483 S2\" id=\"t66_81\">277 </span><span class=\"S168B S483 S2\" id=\"t67_81\">indexed </span><span class=\"S168C S483 S2\" id=\"t68_81\">1.30 </span><span class=\"S168D S483 S2\" id=\"t69_81\">hedged </span><span class=\"S168E S483 S2\" id=\"t6a_81\">8 </span><span class=\"S168F S483 S2\" id=\"t6b_81\">OTPX2024B </span><span class=\"S1690 S483 S2\" id=\"t6c_81\">10/10/2014 </span><span class=\"S1691 S483 S2\" id=\"t6d_81\">16/10/2024 </span><span class=\"S1692 S483 S2\" id=\"t6e_81\">295 </span><span class=\"S1693 S483 S2\" id=\"t6f_81\">336 </span><span class=\"S1694 S483 S2\" id=\"t6g_81\">indexed </span><span class=\"S1695 S483 S2\" id=\"t6h_81\">0.70 </span><span class=\"S1696 S483 S2\" id=\"t6i_81\">hedged </span><span class=\"S1697 S483 S2\" id=\"t6j_81\">9 </span><span class=\"S1698 S483 S2\" id=\"t6k_81\">OTPX2024C </span><span class=\"S1699 S483 S2\" id=\"t6l_81\">15/12/2014 </span><span class=\"S169A S483 S2\" id=\"t6m_81\">20/12/2024 </span><span class=\"S169B S483 S2\" id=\"t6n_81\">242 </span><span class=\"S169C S483 S2\" id=\"t6o_81\">275 </span><span class=\"S169D S483 S2\" id=\"t6p_81\">indexed </span><span class=\"S169E S483 S2\" id=\"t6q_81\">0.60 </span><span class=\"S169F S483 S2\" id=\"t6r_81\">hedged </span><span class=\"S16A0 S483 S2\" id=\"t6s_81\">10 </span><span class=\"S16A1 S483 S2\" id=\"t6t_81\">OTPRF2022A </span><span class=\"S16A2 S483 S2\" id=\"t6u_81\">22/03/2012 </span><span class=\"S16A3 S483 S2\" id=\"t6v_81\">23/03/2022 </span><span class=\"S16A4 S483 S2\" id=\"t6w_81\">2,321 </span><span class=\"S16A5 S483 S2\" id=\"t6x_81\">2,513 </span><span class=\"S16A6 S483 S2\" id=\"t6y_81\">indexed </span><span class=\"S16A7 S483 S2\" id=\"t6z_81\">1.70 </span><span class=\"S16A8 S483 S2\" id=\"t70_81\">hedged </span><span class=\"S16A9 S483 S2\" id=\"t71_81\">11 </span><span class=\"S16AA S483 S2\" id=\"t72_81\">OTPRF2022B </span><span class=\"S16AB S483 S2\" id=\"t73_81\">22/03/2012 </span><span class=\"S16AC S483 S2\" id=\"t74_81\">23/03/2022 </span><span class=\"S16AD S483 S2\" id=\"t75_81\">934 </span><span class=\"S16AE S483 S2\" id=\"t76_81\">1,011 </span><span class=\"S16AF S483 S2\" id=\"t77_81\">indexed </span><span class=\"S16B0 S483 S2\" id=\"t78_81\">1.70 </span><span class=\"S16B1 S483 S2\" id=\"t79_81\">hedged </span><span class=\"S16B2 S483 S2\" id=\"t7a_81\">12 </span><span class=\"S16B3 S483 S2\" id=\"t7b_81\">OTPRF2022C </span><span class=\"S16B4 S483 S2\" id=\"t7c_81\">28/06/2012 </span><span class=\"S16B5 S483 S2\" id=\"t7d_81\">28/06/2022 </span><span class=\"S16B6 S483 S2\" id=\"t7e_81\">209 </span><span class=\"S16B7 S483 S2\" id=\"t7f_81\">266 </span><span class=\"S16B8 S483 S2\" id=\"t7g_81\">indexed </span><span class=\"S16B9 S483 S2\" id=\"t7h_81\">1.70 </span><span class=\"S16BA S483 S2\" id=\"t7i_81\">hedged </span><span class=\"S16BB SC43 S2\" id=\"t7j_81\">Subtotal </span><span class=\"S16BC SC43 S2\" id=\"t7k_81\">5,506 </span><span class=\"S16BD SC43 S2\" id=\"t7l_81\">6,708 </span><span class=\"SFA4 SB S2\" id=\"t3_82\">NOTE 21: </span><span class=\"S13E0 SB S2\" id=\"t4_82\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"S15B1 SB S2\" id=\"t5_82\">Issued securities denominated in HUF as at 31 December 2021 (in HUF mn) [continued] </span><span class=\"S16BE SC43 S2\" id=\"t6_82\">Name </span><span class=\"S16BF SC43 S2\" id=\"t7_82\">Date of issue </span><span class=\"S16C0 SC43 S2\" id=\"t8_82\">Maturity </span><span class=\"S16C1 SC43 S2\" id=\"t9_82\">Nominal </span><span class=\"S16C2 SC43 S2\" id=\"ta_82\">value </span><span class=\"S16C3 SC43 S2\" id=\"tb_82\">Amortized </span><span class=\"S16C4 SC43 S2\" id=\"tc_82\">cost </span><span class=\"S16C5 SC43 S2\" id=\"td_82\">Interest conditions </span><span class=\"S16C6 SC43 S2\" id=\"te_82\">Hedged </span><span class=\"S16C7 SC43 S2\" id=\"tf_82\">(in HUF mn) </span><span class=\"S16C8 SC43 S2\" id=\"tg_82\">(in HUF mn) </span><span class=\"S16C9 SC43 S2\" id=\"th_82\">(actual interest </span><span class=\"S16CA SC43 S2\" id=\"ti_82\">rate in % p.a.) </span><span class=\"S16CB S483 S2\" id=\"tj_82\">13 </span><span class=\"S16CC S483 S2\" id=\"tk_82\">OTPRF2022D </span><span class=\"S16CD S483 S2\" id=\"tl_82\">28/06/2012 </span><span class=\"S16CE S483 S2\" id=\"tm_82\">28/06/2022 </span><span class=\"S16CF S483 S2\" id=\"tn_82\">286 </span><span class=\"S16D0 S483 S2\" id=\"to_82\">324 </span><span class=\"S16D1 S483 S2\" id=\"tp_82\">indexed </span><span class=\"S16D2 S483 S2\" id=\"tq_82\">1.70 </span><span class=\"S16D3 S483 S2\" id=\"tr_82\">hedged </span><span class=\"S16D4 S483 S2\" id=\"ts_82\">14 </span><span class=\"S16D5 S483 S2\" id=\"tt_82\">OTPRF2022E </span><span class=\"S16D6 S483 S2\" id=\"tu_82\">29/10/2012 </span><span class=\"S16D7 S483 S2\" id=\"tv_82\">31/10/2022 </span><span class=\"S16D8 S483 S2\" id=\"tw_82\">862 </span><span class=\"S16D9 S483 S2\" id=\"tx_82\">933 </span><span class=\"S16DA S483 S2\" id=\"ty_82\">indexed </span><span class=\"S16DB S483 S2\" id=\"tz_82\">1.70 </span><span class=\"S16DC S483 S2\" id=\"t10_82\">hedged </span><span class=\"S16DD S483 S2\" id=\"t11_82\">15 </span><span class=\"S16DE S483 S2\" id=\"t12_82\">OTPRF2022F </span><span class=\"S16DF S483 S2\" id=\"t13_82\">28/12/2012 </span><span class=\"S16E0 S483 S2\" id=\"t14_82\">28/12/2022 </span><span class=\"S16E1 S483 S2\" id=\"t15_82\">708 </span><span class=\"S16E2 S483 S2\" id=\"t16_82\">773 </span><span class=\"S16E3 S483 S2\" id=\"t17_82\">indexed </span><span class=\"S16E4 S483 S2\" id=\"t18_82\">1.70 </span><span class=\"S16E5 S483 S2\" id=\"t19_82\">hedged </span><span class=\"S16E6 S483 S2\" id=\"t1a_82\">16 </span><span class=\"S16E7 S483 S2\" id=\"t1b_82\">OTPRF2023A </span><span class=\"S16E8 S483 S2\" id=\"t1c_82\">22/03/2013 </span><span class=\"S16E9 S483 S2\" id=\"t1d_82\">24/03/2023 </span><span class=\"S16EA S483 S2\" id=\"t1e_82\">899 </span><span class=\"S16EB S483 S2\" id=\"t1f_82\">977 </span><span class=\"S16EC S483 S2\" id=\"t1g_82\">indexed </span><span class=\"S16ED S483 S2\" id=\"t1h_82\">1.70 </span><span class=\"S16EE S483 S2\" id=\"t1i_82\">hedged </span><span class=\"S16EF S483 S2\" id=\"t1j_82\">17 </span><span class=\"S16F0 S483 S2\" id=\"t1k_82\">OJB2023_I </span><span class=\"S16F1 S483 S2\" id=\"t1l_82\">05/04/2018 </span><span class=\"S16F2 S483 S2\" id=\"t1m_82\">24/11/2023 </span><span class=\"S16F3 S483 S2\" id=\"t1n_82\">44,120 </span><span class=\"S16F4 S483 S2\" id=\"t1o_82\">42,300 </span><span class=\"S16F5 S483 S2\" id=\"t1p_82\">1.75 </span><span class=\"S16F6 S483 S2\" id=\"t1q_82\">fix </span><span class=\"S16F7 S483 S2\" id=\"t1r_82\">18 </span><span class=\"S16F8 S483 S2\" id=\"t1s_82\">OJB2024_A </span><span class=\"S16F9 S483 S2\" id=\"t1t_82\">17/09/2018 </span><span class=\"S16FA S483 S2\" id=\"t1u_82\">20/05/2024 </span><span class=\"S16FB S483 S2\" id=\"t1v_82\">57,067 </span><span class=\"S16FC S483 S2\" id=\"t1w_82\">57,010 </span><span class=\"S16FD S483 S2\" id=\"t1x_82\">4.26 </span><span class=\"S16FE S483 S2\" id=\"t1y_82\">floating </span><span class=\"S16FF S483 S2\" id=\"t1z_82\">19 </span><span class=\"S1700 S483 S2\" id=\"t20_82\">OJB2024_C </span><span class=\"S1701 S483 S2\" id=\"t21_82\">24/02/2020 </span><span class=\"S1702 S483 S2\" id=\"t22_82\">24/10/2024 </span><span class=\"S1703 S483 S2\" id=\"t23_82\">80,125 </span><span class=\"S1704 S483 S2\" id=\"t24_82\">79,972 </span><span class=\"S1705 S483 S2\" id=\"t25_82\">3.95 </span><span class=\"S1706 S483 S2\" id=\"t26_82\">floating </span><span class=\"S1707 S483 S2\" id=\"t27_82\">20 </span><span class=\"S1708 S483 S2\" id=\"t28_82\">OJB2024_II </span><span class=\"S1709 S483 S2\" id=\"t29_82\">10/10/2018 </span><span class=\"S170A S483 S2\" id=\"t2a_82\">24/10/2024 </span><span class=\"S170B S483 S2\" id=\"t2b_82\">96,800 </span><span class=\"S170C S483 S2\" id=\"t2c_82\">89,138 </span><span class=\"S170D S483 S2\" id=\"t2d_82\">2.5 </span><span class=\"S170E S483 S2\" id=\"t2e_82\">fix </span><span class=\"S170F S483 S2\" id=\"t2f_82\">21 </span><span class=\"S1710 S483 S2\" id=\"t2g_82\">OJB2025_II </span><span class=\"S1711 S483 S2\" id=\"t2h_82\">03/02/2020 </span><span class=\"S1712 S483 S2\" id=\"t2i_82\">26/11/2025 </span><span class=\"S1713 S483 S2\" id=\"t2j_82\">22,550 </span><span class=\"S1714 S483 S2\" id=\"t2k_82\">20,003 </span><span class=\"S1715 S483 S2\" id=\"t2l_82\">1.5 </span><span class=\"S1716 S483 S2\" id=\"t2m_82\">fix </span><span class=\"S1717 S483 S2\" id=\"t2n_82\">hedged </span><span class=\"S1718 S483 S2\" id=\"t2o_82\">22 </span><span class=\"S1719 S483 S2\" id=\"t2p_82\">OJB2027_I </span><span class=\"S171A S483 S2\" id=\"t2q_82\">23/07/2020 </span><span class=\"S171B S483 S2\" id=\"t2r_82\">27/10/2027 </span><span class=\"S171C S483 S2\" id=\"t2s_82\">76,850 </span><span class=\"S171D S483 S2\" id=\"t2t_82\">67,257 </span><span class=\"S171E S483 S2\" id=\"t2u_82\">1.25 </span><span class=\"S171F S483 S2\" id=\"t2v_82\">fix </span><span class=\"S1720 S483 S2\" id=\"t2w_82\">23 </span><span class=\"S1721 S483 S2\" id=\"t2x_82\">OJB2031_I </span><span class=\"S1722 S483 S2\" id=\"t2y_82\">18/08/2021 </span><span class=\"S1723 S483 S2\" id=\"t2z_82\">22/10/2031 </span><span class=\"S1724 S483 S2\" id=\"t30_82\">82,000 </span><span class=\"S1725 S483 S2\" id=\"t31_82\">70,655 </span><span class=\"S1726 S483 S2\" id=\"t32_82\">2.5 </span><span class=\"S1727 S483 S2\" id=\"t33_82\">fix </span><span class=\"S1728 S483 S2\" id=\"t34_82\">33 </span><span class=\"S1729 S483 S2\" id=\"t35_82\">Other </span><span class=\"S172A S483 S2\" id=\"t36_82\">211 </span><span class=\"S172B S483 S2\" id=\"t37_82\">211 </span><span class=\"S172C SC43 S2\" id=\"t38_82\">Total issued securities in HUF </span><span class=\"S172D SC43 S2\" id=\"t39_82\">467,984 </span><span class=\"S172E SC43 S2\" id=\"t3a_82\">436,261 </span><span class=\"S172F S5B9 S2\" id=\"t3b_82\">Issued securities denominated in foreign currency are promissory notes issued by JSC \u201cOTP Bank\u201d (Russia) in the </span><span class=\"S1730 SA7 S2\" id=\"t3c_82\">amount of HUF 64 million as at 31 December 2021. </span><span class=\"S1731 SB S2\" id=\"t3d_82\">Hedge accounting </span><span class=\"S1732 S5B9 S2\" id=\"t3e_82\">Certain issued structured securities are hedged by the Bank with interest rate swaps (\u201cIRS\u201d) which exchange the </span><span class=\"S1733 SA7 S2\" id=\"t3f_82\">fixed and floating interest rate with the interest rate of the securities between the parties at a notional amount that </span><span class=\"S1734 SA7 S2\" id=\"t3g_82\">equals the nominal amount of the hedged securities. These are considered as fair value hedge relationships as they </span><span class=\"S1735 SA7 S2\" id=\"t3h_82\">cover the interest rate risk arising from the coupons of the hedged securities. OTP Bank does not intend to be </span><span class=\"S1736 SA7 S2\" id=\"t3i_82\">exposed to the risk embedded in the structured bonds, consequently as part of interest rate swap transaction the </span><span class=\"S1737 SA7 S2\" id=\"t3j_82\">structured interest payments are swapped to floating interest rate. </span><span class=\"S1738 SA7 S2\" id=\"t3k_82\">This hedging relationship meets all of the following hedge effectiveness requirements: </span><span class=\"S1739 S5B9 S2\" id=\"t3l_82\">\u2022 </span><span class=\"S173A SA7 S2\" id=\"t3m_82\">there is an economic relationship between the hedged item and the hedging instrument </span><span class=\"S173B S5B9 S2\" id=\"t3n_82\">\u2022 </span><span class=\"S173C SA7 S2\" id=\"t3o_82\">the effect of credit risk does not dominate the value changes that result from that economic relationship </span><span class=\"S173D S5B9 S2\" id=\"t3p_82\">\u2022 </span><span class=\"S173E SA7 S2\" id=\"t3q_82\">the hedge ratio of the hedging relationship is the same as that resulting from the quantity of the hedged item </span><span class=\"S173F SA7 S2\" id=\"t3r_82\">that the Bank actually hedges and the quantity of the hedging instrument that the Bank actually uses to </span><span class=\"S1740 SA7 S2\" id=\"t3s_82\">hedge that quantity of hedged item </span><span class=\"S1741 SA7 S2\" id=\"t3t_82\">The cash-flows of the fixed rate securities issued by the Bank are exposed to the changes in the HUF/EUR foreign </span><span class=\"S1742 SA7 S2\" id=\"t3u_82\">exchange rate and the volatility of the quoted interest rates of EUR and HUF. The interest rate risk and foreign </span><span class=\"S1743 SA7 S2\" id=\"t3v_82\">exchange risk related to these securities are hedged with EUR and HUF IRS transactions, where the fixed interests </span><span class=\"S1744 SA7 S2\" id=\"t3w_82\">were swapped to payments linked to 3-month HUF BUBOR and EURIBOR, resulting in a decrease in the interest </span><span class=\"S1745 SA7 S2\" id=\"t3x_82\">rate and foreign exchange exposure of issued securities. </span><span class=\"SFA4 SB S2\" id=\"t3_83\">NOTE 21: </span><span class=\"SFF3 SB S2\" id=\"t4_83\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"SB47 SB S2\" id=\"t5_83\">Term Note Program in the value of HUF 200 billion for the year of 2022/2023 </span><span class=\"S1746 SA7 S2\" id=\"t6_83\">On 10 May 2022 the Bank initiated term note program in the value of HUF 200 billion with the intention of issuing </span><span class=\"S1747 SA7 S2\" id=\"t7_83\">registered dematerialized bonds in public. On 10 August the National Bank of Hungary approved the prospectus </span><span class=\"S871 SA7 S2\" id=\"t8_83\">of Term Note Program. The prospectus is valid for 12 months following the disclosure. </span><span class=\"S1748 SA7 S2\" id=\"t9_83\">The Issuer can initiate to introduce the bonds issued under the program to the Hungarian and to other stock </span><span class=\"S1749 SA7 S2\" id=\"ta_83\">exchanges without any obligations. </span><span class=\"S174A SB S2\" id=\"tb_83\">Term Note Program in the value of HUF 200 billion for the year of 2021/2022 </span><span class=\"S174B SA7 S2\" id=\"tc_83\">On 28 May 2021 the Bank initiated term note program in the value of HUF 200 billion with the intention of </span><span class=\"S174C SA7 S2\" id=\"td_83\">issuing registered dematerialized bonds in public. On 8 July 2021, the National Bank of Hungary approved the </span><span class=\"S174D SA7 S2\" id=\"te_83\">prospectus of Term Note Program. The prospectus is valid for 12 months following the disclosure. </span><span class=\"S174E SA7 S2\" id=\"tf_83\">The Issuer can initiate to introduce the bonds issued under the program to the Hungarian and to other stock </span><span class=\"S174F SA7 S2\" id=\"tg_83\">exchanges without any obligations. </span><span class=\"S936 SB S2\" id=\"th_83\">Issuance of Green Senior Preferred Notes in the aggregate nominal amount of EUR 400 million </span><span class=\"S1750 S5B9 S2\" id=\"ti_83\">OTP Bank Plc have been issued \u201cgreen\u201d notes (ISIN: XS2499691330) on 13 July 2022 as value date in the </span><span class=\"S1751 SA7 S2\" id=\"tj_83\">aggregate nominal amount of EUR 400 million. The non-call 2 years senior preferred notes have a three-year term </span><span class=\"S1752 SA7 S2\" id=\"tk_83\">and carry an annually paid fixed coupon of 5.500% in the first two years. With respect to the third year, the </span><span class=\"S1753 SA7 S2\" id=\"tl_83\">quarterly coupon is calculated as the sum of the initial margin (of 426.5 basis points) and the 3-month EURIBOR </span><span class=\"S1754 S5B9 S2\" id=\"tm_83\">rate. The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by Scope Ratings GmbH. The notes </span><span class=\"S1755 SA7 S2\" id=\"tn_83\">are listed on the Luxembourg Stock Exchange. </span><span class=\"S1756 SB S2\" id=\"to_83\">Issuance of Green Senior Preferred Notes in the aggregate nominal amount of USD 60 million </span><span class=\"S1757 S5B9 S2\" id=\"tp_83\">OTP Bank Plc issued \u201cgreen\u201d notes (ISIN: </span><span class=\"S1758 SA7 S2\" id=\"tq_83\">XS2536446649) on 29 September 2022 as value date in the aggregate </span><span class=\"S1759 S5B9 S2\" id=\"tr_83\">nominal amount of USD 60 million. The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by </span><span class=\"S175A SA7 S2\" id=\"ts_83\">Scope Ratings GmbH. The notes are listed on the Luxembourg Stock Exchange. </span><span class=\"S175B SB S2\" id=\"tt_83\">Issuance of Senior Preferred Notes in the aggregate nominal amount of EUR 650 million </span><span class=\"S175C SA7 S2\" id=\"tu_83\">OTP Bank Plc have been issued the notes (ISIN: XS2560693181) on 1 December 2022 as value date in the </span><span class=\"S175D SA7 S2\" id=\"tv_83\">aggregate nominal amount of EUR 650 million. The 3.25 Non-Call 2.25 years Senior Preferred Notes were priced </span><span class=\"S175E SA7 S2\" id=\"tw_83\">on 23 November 2022. </span><span class=\"S175F S5B9 S2\" id=\"tx_83\">The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by Scope Ratings </span><span class=\"S1760 SA7 S2\" id=\"ty_83\">GmbH. The notes are listed on the Luxembourg Stock Exchange. </span><span class=\"SAA6 SA7 S2\" id=\"tz_83\">There was other issuance of notes denominated in USD after the balance sheet date. See details in Note 52. </span><span class=\"SFA4 SB S2\" id=\"t3_84\">NOTE 22: </span><span class=\"S6E4 SB S2\" id=\"t4_84\">DERIVATIVE FINANCIAL LIABILITIES HELD FOR TRADING (in HUF mn) </span><span class=\"S1761 SA7 S2\" id=\"t5_84\">Negative fair value of derivative financial liabilities held for trading by type of contracts </span><span class=\"S1762 SB S2\" id=\"t6_84\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_84\">2021 </span><span class=\"S1764 SA7 S2\" id=\"t8_84\">Foreign exchange swaps held for trading </span><span class=\"S1765 SA7 S2\" id=\"t9_84\">83,149 </span><span class=\"S1766 SA7 S2\" id=\"ta_84\">46,380 </span><span class=\"S1767 SA7 S2\" id=\"tb_84\">Commodity swaps </span><span class=\"S1768 SA7 S2\" id=\"tc_84\">31,632 </span><span class=\"S1769 SA7 S2\" id=\"td_84\">51,508 </span><span class=\"S176A SA7 S2\" id=\"te_84\">Interest rate swaps held for trading </span><span class=\"S176B SA7 S2\" id=\"tf_84\">237,269 </span><span class=\"S176C SA7 S2\" id=\"tg_84\">87,945 </span><span class=\"S176D SA7 S2\" id=\"th_84\">Foreign exchange forward contracts </span><span class=\"S176E SA7 S2\" id=\"ti_84\">held-for-trading </span><span class=\"S176F SA7 S2\" id=\"tj_84\">13,740 </span><span class=\"S1770 SA7 S2\" id=\"tk_84\">7,738 </span><span class=\"S1771 SA7 S2\" id=\"tl_84\">CCIRS and mark-to-market CCIRS </span><span class=\"S1772 SA7 S2\" id=\"tm_84\">held for trading </span><span class=\"S14E2 SA7 S2\" id=\"tn_84\">15,759 </span><span class=\"S1773 SA7 S2\" id=\"to_84\">7,789 </span><span class=\"S1774 SA7 S2\" id=\"tp_84\">Held for trading option contracts </span><span class=\"S1775 SA7 S2\" id=\"tq_84\">1,891 </span><span class=\"S1776 SA7 S2\" id=\"tr_84\">479 </span><span class=\"S1777 SA7 S2\" id=\"ts_84\">Held-for-trading forward security agreement </span><span class=\"S1778 SA7 S2\" id=\"tt_84\">- </span><span class=\"S1779 SA7 S2\" id=\"tu_84\">13 </span><span class=\"S177A SA7 S2\" id=\"tv_84\">Other derivative transactions held for trading </span><span class=\"S177B SE8B S2\" id=\"tw_84\">1 </span><span class=\"S177C SA7 S2\" id=\"tx_84\">2,307 </span><span class=\"S177D SA7 S2\" id=\"ty_84\">864 </span><span class=\"S177E SB S2\" id=\"tz_84\">Total </span><span class=\"S177F SB S2\" id=\"t10_84\">385,747 </span><span class=\"S1780 SB S2\" id=\"t11_84\">202,716 </span><span class=\"S1781 S482 S2\" id=\"t12_84\">1 </span><span class=\"S1782 S483 S2\" id=\"t13_84\">Other category includes: fx spot, equity swaps, forward rate agreement, options and index futures. </span><span class=\"SFA4 SB S2\" id=\"t3_85\">NOTE 23: </span><span class=\"S7A3 SB S2\" id=\"t4_85\">DERIVATIVE FINANCIAL LIABILITIES DESIGNATED AS HEDGE ACCOUNTING (in </span><span class=\"SEDE SB S2\" id=\"t5_85\">HUF mn) </span><span class=\"S1783 SA7 S2\" id=\"t6_85\">Negative fair value of derivative financial liabilities designated as hedge accounting by type of contracts </span><span class=\"S1053 SB S2\" id=\"t7_85\">2022 </span><span class=\"S1054 SB S2\" id=\"t8_85\">2021 </span><span class=\"S1784 SA7 S2\" id=\"t9_85\">CCIRS and mark-to-market CCIRS designated </span><span class=\"S1785 SA7 S2\" id=\"ta_85\">as fair value hedge </span><span class=\"S1786 SA7 S2\" id=\"tb_85\">5,398 </span><span class=\"S1787 SA7 S2\" id=\"tc_85\">5,451 </span><span class=\"S1058 SA7 S2\" id=\"td_85\">Foreign exchange swap designated as fair value hedge </span><span class=\"S1788 SA7 S2\" id=\"te_85\">16,199 </span><span class=\"S1789 SA7 S2\" id=\"tf_85\">- </span><span class=\"S178A SA7 S2\" id=\"tg_85\">Interest rate swaps designated as fair value hedge </span><span class=\"S178B SA7 S2\" id=\"th_85\">6,352 </span><span class=\"S178C SA7 S2\" id=\"ti_85\">5,777 </span><span class=\"S178D SB S2\" id=\"tj_85\">Total </span><span class=\"S178E SB S2\" id=\"tk_85\">27,949 </span><span class=\"S178F SB S2\" id=\"tl_85\">11,228 </span><span class=\"SFA4 SB S2\" id=\"t3_86\">NOTE 24: </span><span class=\"S1790 SB S2\" id=\"t4_86\">PROVISIONS AND OTHER LIABILITIES (in HUF mn) </span><span class=\"S1791 SA7 S2\" id=\"t5_86\">Other liabilities are expected to be recovered or settled no more than twelve months after the reporting period. </span><span class=\"S1792 SA7 S2\" id=\"t6_86\">Besides the total other liabilities mentioned above, which are expected to be recovered or settled more than twelve </span><span class=\"S1793 SA7 S2\" id=\"t7_86\">months after the reporting period are the following: accrued contractual liabilities, compulsory pension reserve, </span><span class=\"SA82 SA7 S2\" id=\"t8_86\">loans from government and liabilities from preferential dividend shares. </span><span class=\"S1794 SB S2\" id=\"t9_86\">2022 </span><span class=\"S1795 SB S2\" id=\"ta_86\">2021 </span><span class=\"S1796 SB S2\" id=\"tb_86\">Other financial liabilities </span><span class=\"S1797 SA7 S2\" id=\"tc_86\">Liabilities connected to Cafeteria benefits </span><span class=\"S1798 SA7 S2\" id=\"td_86\">91,001 </span><span class=\"S1799 SA7 S2\" id=\"te_86\">114,867 </span><span class=\"S179A SA7 S2\" id=\"tf_86\">Liabilities from investment services </span><span class=\"S179B SA7 S2\" id=\"tg_86\">108,513 </span><span class=\"S179C SA7 S2\" id=\"th_86\">92,612 </span><span class=\"S179D SA7 S2\" id=\"ti_86\">Accrued expenses on other financial liabilities </span><span class=\"S179E SA7 S2\" id=\"tj_86\">55,898 </span><span class=\"S179F SA7 S2\" id=\"tk_86\">58,247 </span><span class=\"S17A0 SA7 S2\" id=\"tl_86\">Liabilities from card transactions </span><span class=\"S17A1 SA7 S2\" id=\"tm_86\">75,544 </span><span class=\"S17A2 SA7 S2\" id=\"tn_86\">31,484 </span><span class=\"S17A3 SA7 S2\" id=\"to_86\">Accounts payable </span><span class=\"S17A4 SA7 S2\" id=\"tp_86\">56,828 </span><span class=\"S17A5 SA7 S2\" id=\"tq_86\">46,243 </span><span class=\"S17A6 SA7 S2\" id=\"tr_86\">Liabilities due to short positions </span><span class=\"S17A7 SA7 S2\" id=\"ts_86\">24,596 </span><span class=\"S17A8 SA7 S2\" id=\"tt_86\">16,904 </span><span class=\"S17A9 SA7 S2\" id=\"tu_86\">Giro clearing accounts </span><span class=\"S17AA SA7 S2\" id=\"tv_86\">32,133 </span><span class=\"S17AB SA7 S2\" id=\"tw_86\">14,830 </span><span class=\"S17AC SA7 S2\" id=\"tx_86\">Advances received from customers </span><span class=\"S17AD SA7 S2\" id=\"ty_86\">12,540 </span><span class=\"S17AE SA7 S2\" id=\"tz_86\">11,903 </span><span class=\"S17AF SA7 S2\" id=\"t10_86\">Liabilities from wages and other salary related payments </span><span class=\"S17B0 SA7 S2\" id=\"t11_86\">34,672 </span><span class=\"S17B1 SA7 S2\" id=\"t12_86\">13,092 </span><span class=\"S17B2 SA7 S2\" id=\"t13_86\">Loans from government </span><span class=\"S17B3 SA7 S2\" id=\"t14_86\">7,961 </span><span class=\"S17B4 SA7 S2\" id=\"t15_86\">5,851 </span><span class=\"S17B5 SA7 S2\" id=\"t16_86\">Dividend payable </span><span class=\"S17B6 SA7 S2\" id=\"t17_86\">207 </span><span class=\"S17B7 SA7 S2\" id=\"t18_86\">135 </span><span class=\"S17B8 SA7 S2\" id=\"t19_86\">Other financial liabilities </span><span class=\"S17B9 SA7 S2\" id=\"t1a_86\">82,387 </span><span class=\"S17BA SA7 S2\" id=\"t1b_86\">79,603 </span><span class=\"S17BB SB S2\" id=\"t1c_86\">Subtotal </span><span class=\"S17BC SB S2\" id=\"t1d_86\">582,280 </span><span class=\"S17BD SB S2\" id=\"t1e_86\">485,771 </span><span class=\"S17BE SB S2\" id=\"t1f_86\">Other non-financial liabilities </span><span class=\"S17BF SB S2\" id=\"t1g_86\">2022 </span><span class=\"S17C0 SB S2\" id=\"t1h_86\">2021 </span><span class=\"S17C1 SA7 S2\" id=\"t1i_86\">Clearing and giro settlement accounts </span><span class=\"S17C2 SA7 S2\" id=\"t1j_86\">46,800 </span><span class=\"S17C3 SA7 S2\" id=\"t1k_86\">48,715 </span><span class=\"S17C4 SA7 S2\" id=\"t1l_86\">Liabilities from social security contributions </span><span class=\"S17C5 SA7 S2\" id=\"t1m_86\">11,749 </span><span class=\"S17C6 SA7 S2\" id=\"t1n_86\">11,853 </span><span class=\"S17C7 SA7 S2\" id=\"t1o_86\">Accrued expenses on other non-financial liabilities </span><span class=\"S17C8 SA7 S2\" id=\"t1p_86\">13,647 </span><span class=\"S17C9 SA7 S2\" id=\"t1q_86\">13,029 </span><span class=\"S17CA SA7 S2\" id=\"t1r_86\">Liabilities related to housing loans </span><span class=\"S17CB SA7 S2\" id=\"t1s_86\">12,868 </span><span class=\"S17CC SA7 S2\" id=\"t1t_86\">11,428 </span><span class=\"S17CD SA7 S2\" id=\"t1u_86\">Insurance technical reserve </span><span class=\"S17CE SA7 S2\" id=\"t1v_86\">2,354 </span><span class=\"S17CF SA7 S2\" id=\"t1w_86\">3,416 </span><span class=\"S17D0 SA7 S2\" id=\"t1x_86\">Other non-financial liabilities </span><span class=\"S17D1 SA7 S2\" id=\"t1y_86\">37,956 </span><span class=\"S1449 SA7 S2\" id=\"t1z_86\">23,869 </span><span class=\"S17D2 SB S2\" id=\"t20_86\">Subtotal </span><span class=\"S17D3 SB S2\" id=\"t21_86\">125,374 </span><span class=\"S17D4 SB S2\" id=\"t22_86\">112,310 </span><span class=\"S17D5 SB S2\" id=\"t23_86\">Total </span><span class=\"S17D6 SB S2\" id=\"t24_86\">707,654 </span><span class=\"S17D7 SB S2\" id=\"t25_86\">598,081 </span><span class=\"SFA4 SB S2\" id=\"t3_87\">NOTE 24: </span><span class=\"S13E0 SB S2\" id=\"t4_87\">PROVISIONS AND OTHER LIABILITIES (in HUF mn) [continued] </span><span class=\"S17D8 SA7 S2\" id=\"t5_87\">The provisions are detailed as follows: </span><span class=\"S1053 SB S2\" id=\"t6_87\">2022 </span><span class=\"S1054 SB S2\" id=\"t7_87\">2021 </span><span class=\"S17D9 SA7 S2\" id=\"t8_87\">Commitments and guarantees given </span><span class=\"S17DA SA7 S2\" id=\"t9_87\">63,372 </span><span class=\"S17DB SA7 S2\" id=\"ta_87\">51,990 </span><span class=\"S17DC SB S2\" id=\"tb_87\">Total provision according to IFRS 9 </span><span class=\"S1788 SB S2\" id=\"tc_87\">63,372 </span><span class=\"S17DD SB S2\" id=\"td_87\">51,990 </span><span class=\"S17DE SA7 S2\" id=\"te_87\">Pending legal issues and tax litigation </span><span class=\"S178E SA7 S2\" id=\"tf_87\">37,043 </span><span class=\"S178F SA7 S2\" id=\"tg_87\">35,354 </span><span class=\"S17DF SA7 S2\" id=\"th_87\">Pensions and other retirement </span><span class=\"S17E0 SA7 S2\" id=\"ti_87\">benefit obligations </span><span class=\"S17E1 SA7 S2\" id=\"tj_87\">8,225 </span><span class=\"S17E2 SA7 S2\" id=\"tk_87\">9,308 </span><span class=\"S17E3 SA7 S2\" id=\"tl_87\">Other long-term employee benefits </span><span class=\"S17E4 SA7 S2\" id=\"tm_87\">1,331 </span><span class=\"S17E5 SA7 S2\" id=\"tn_87\">910 </span><span class=\"S17E6 SA7 S2\" id=\"to_87\">Restructuring </span><span class=\"S17E7 SA7 S2\" id=\"tp_87\">1,256 </span><span class=\"S17E8 SA7 S2\" id=\"tq_87\">1,801 </span><span class=\"S17E9 SA7 S2\" id=\"tr_87\">Provision due to CHF loans conversion </span><span class=\"S17EA SA7 S2\" id=\"ts_87\">at foreign subsidiaries </span><span class=\"S17EB SA7 S2\" id=\"tt_87\">900 </span><span class=\"S17EC SA7 S2\" id=\"tu_87\">1,285 </span><span class=\"S17ED SA7 S2\" id=\"tv_87\">Other provision </span><span class=\"S17EE SA7 S2\" id=\"tw_87\">19,494 </span><span class=\"S17EF SA7 S2\" id=\"tx_87\">19,151 </span><span class=\"S17F0 SB S2\" id=\"ty_87\">Total provision according to IAS 37 </span><span class=\"S1076 SB S2\" id=\"tz_87\">68,249 </span><span class=\"S1077 SB S2\" id=\"t10_87\">67,809 </span><span class=\"S17F1 SB S2\" id=\"t11_87\">Total </span><span class=\"S17F2 SB S2\" id=\"t12_87\">131,621 </span><span class=\"S17F3 SB S2\" id=\"t13_87\">119,799 </span><span class=\"S17F4 SA7 S2\" id=\"t14_87\">The movements of provisions according to IFRS 9 can be summarized as follows: </span><span class=\"S1433 SB S2\" id=\"t15_87\">2022 </span><span class=\"S1434 SB S2\" id=\"t16_87\">2021 </span><span class=\"S17F5 SB S2\" id=\"t17_87\">Balance as at 1 January </span><span class=\"S1436 SB S2\" id=\"t18_87\">51,990 </span><span class=\"S1437 SB S2\" id=\"t19_87\">54,810 </span><span class=\"S17F6 SA7 S2\" id=\"t1a_87\">Provision for the period </span><span class=\"S17F7 SA7 S2\" id=\"t1b_87\">102,928 </span><span class=\"S143A SA7 S2\" id=\"t1c_87\">28,869 </span><span class=\"S17F8 SA7 S2\" id=\"t1d_87\">Release of provision for the period </span><span class=\"S17F9 SA7 S2\" id=\"t1e_87\">(96,783) </span><span class=\"S17FA SA7 S2\" id=\"t1f_87\">(28,770) </span><span class=\"S17FB SA7 S2\" id=\"t1g_87\">Use of provision </span><span class=\"S17FC SA7 S2\" id=\"t1h_87\">(293) </span><span class=\"S17FD SA7 S2\" id=\"t1i_87\">(7) </span><span class=\"S17FE SA7 S2\" id=\"t1j_87\">Change due to acquisition </span><span class=\"S17FF SA7 S2\" id=\"t1k_87\">21 </span><span class=\"S1800 SA7 S2\" id=\"t1l_87\">- </span><span class=\"S1801 SA7 S2\" id=\"t1m_87\">Transfer </span><span class=\"S1802 SA7 S2\" id=\"t1n_87\">- </span><span class=\"S1446 SA7 S2\" id=\"t1o_87\">(4,426) </span><span class=\"S1803 SA7 S2\" id=\"t1p_87\">Foreign currency translation differences </span><span class=\"S1804 SA7 S2\" id=\"t1q_87\">5,509 </span><span class=\"S1805 SA7 S2\" id=\"t1r_87\">1,514 </span><span class=\"S1806 SB S2\" id=\"t1s_87\">Closing balance </span><span class=\"S1807 SB S2\" id=\"t1t_87\">63,372 </span><span class=\"S1808 SB S2\" id=\"t1u_87\">51,990 </span><span class=\"S1809 SA7 S2\" id=\"t1v_87\">The movements of provisions according to IAS 37 can be summarized as follows: </span><span class=\"S180A SB S2\" id=\"t1w_87\">2022 </span><span class=\"S180B SB S2\" id=\"t1x_87\">2021 </span><span class=\"S180C SB S2\" id=\"t1y_87\">Balance as at 1 January </span><span class=\"S180D SB S2\" id=\"t1z_87\">67,809 </span><span class=\"S180E SB S2\" id=\"t20_87\">61,657 </span><span class=\"S180F SA7 S2\" id=\"t21_87\">Provision for the period </span><span class=\"S1810 SA7 S2\" id=\"t22_87\">27,290 </span><span class=\"S1811 SA7 S2\" id=\"t23_87\">37,924 </span><span class=\"S1812 SA7 S2\" id=\"t24_87\">Release of provision for the period </span><span class=\"S1813 SA7 S2\" id=\"t25_87\">(24,846) </span><span class=\"S1814 SA7 S2\" id=\"t26_87\">(27,167) </span><span class=\"S1815 SA7 S2\" id=\"t27_87\">Use of provision </span><span class=\"S1816 SA7 S2\" id=\"t28_87\">(6,878) </span><span class=\"S1817 SA7 S2\" id=\"t29_87\">(10,953) </span><span class=\"S1818 SA7 S2\" id=\"t2a_87\">Change due to actuarial gains or losses </span><span class=\"S1819 SA7 S2\" id=\"t2b_87\">related to employee benefits </span><span class=\"S181A SA7 S2\" id=\"t2c_87\">(1,098) </span><span class=\"S181B SA7 S2\" id=\"t2d_87\">(42) </span><span class=\"S181C SA7 S2\" id=\"t2e_87\">Change due to acquisition </span><span class=\"S181D SA7 S2\" id=\"t2f_87\">57 </span><span class=\"S181E SA7 S2\" id=\"t2g_87\">- </span><span class=\"S181F SA7 S2\" id=\"t2h_87\">Unwinding of the discounted amount </span><span class=\"S1820 SA7 S2\" id=\"t2i_87\">16 </span><span class=\"S1821 SA7 S2\" id=\"t2j_87\">7 </span><span class=\"S1822 SA7 S2\" id=\"t2k_87\">Transfer </span><span class=\"S1823 SA7 S2\" id=\"t2l_87\">- </span><span class=\"S1824 SA7 S2\" id=\"t2m_87\">4,426 </span><span class=\"S1825 SA7 S2\" id=\"t2n_87\">Foreign currency translation differences </span><span class=\"S1826 SA7 S2\" id=\"t2o_87\">5,899 </span><span class=\"S1827 SA7 S2\" id=\"t2p_87\">1,957 </span><span class=\"S1828 SB S2\" id=\"t2q_87\">Closing balance </span><span class=\"S1829 SB S2\" id=\"t2r_87\">68,249 </span><span class=\"S182A SB S2\" id=\"t2s_87\">67,809 </span><span class=\"SFA4 SB S2\" id=\"t3_88\">NOTE 25: </span><span class=\"S182B SB S2\" id=\"t4_88\">SUBORDINATED BONDS AND LOANS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_88\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_88\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_88\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_88\">In HUF </span><span class=\"S182C SA7 S2\" id=\"t9_88\">- </span><span class=\"S182D SA7 S2\" id=\"ta_88\">- </span><span class=\"SDC0 SA7 S2\" id=\"tb_88\">In foreign currency </span><span class=\"S182E SA7 S2\" id=\"tc_88\">3,395 </span><span class=\"SE36 SA7 S2\" id=\"td_88\">2,841 </span><span class=\"S1540 SB S2\" id=\"te_88\">3,395 </span><span class=\"S182F SB S2\" id=\"tf_88\">2,841 </span><span class=\"SDC5 SA7 S2\" id=\"tg_88\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_88\">In HUF </span><span class=\"S1830 SA7 S2\" id=\"ti_88\">- </span><span class=\"S14BD SA7 S2\" id=\"tj_88\">- </span><span class=\"SDC9 SA7 S2\" id=\"tk_88\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_88\">298,589 </span><span class=\"S1503 SA7 S2\" id=\"tm_88\">275,493 </span><span class=\"S14BF SB S2\" id=\"tn_88\">298,589 </span><span class=\"SDCD SB S2\" id=\"to_88\">275,493 </span><span class=\"S14C1 SB S2\" id=\"tp_88\">Total </span><span class=\"S14C2 SB S2\" id=\"tq_88\">301,984 </span><span class=\"S1547 SB S2\" id=\"tr_88\">278,334 </span><span class=\"S1831 SA7 S2\" id=\"ts_88\">Types of subordinated bonds and loans are as follows: </span><span class=\"S1832 SB S2\" id=\"tt_88\">2022 </span><span class=\"S1833 SB S2\" id=\"tu_88\">2021 </span><span class=\"S1834 SA7 S2\" id=\"tv_88\">Debt securities issued </span><span class=\"S1835 SA7 S2\" id=\"tw_88\">7,798 </span><span class=\"S1836 SA7 S2\" id=\"tx_88\">6,558 </span><span class=\"S1837 SA7 S2\" id=\"ty_88\">Loan received </span><span class=\"S1838 SA7 S2\" id=\"tz_88\">294,186 </span><span class=\"S1839 SA7 S2\" id=\"t10_88\">271,776 </span><span class=\"S183A SB S2\" id=\"t11_88\">Total </span><span class=\"S183B SB S2\" id=\"t12_88\">301,984 </span><span class=\"S183C SB S2\" id=\"t13_88\">278,334 </span><span class=\"S183D SA7 S2\" id=\"t14_88\">Interest rates on subordinated bonds and loans are as follows: </span><span class=\"S14EF SB S2\" id=\"t15_88\">2022 </span><span class=\"S14F0 SB S2\" id=\"t16_88\">2021 </span><span class=\"S183E SA7 S2\" id=\"t17_88\">Denominated in HUF </span><span class=\"S183F SA7 S2\" id=\"t18_88\">- </span><span class=\"S1840 SA7 S2\" id=\"t19_88\">- </span><span class=\"S1841 SA7 S2\" id=\"t1a_88\">Denominated in foreign currency </span><span class=\"S14F3 SA7 S2\" id=\"t1b_88\">2.90% - 5.00% </span><span class=\"S14F4 SA7 S2\" id=\"t1c_88\">2.50% - 5.00% </span><span class=\"S1842 SB S2\" id=\"t1d_88\">2022 </span><span class=\"S1843 SB S2\" id=\"t1e_88\">2021 </span><span class=\"S1844 SA7 S2\" id=\"t1f_88\">Average interest rates on subordinated bonds </span><span class=\"S1845 SA7 S2\" id=\"t1g_88\">and loans denominated in foreign currency </span><span class=\"S1846 SA7 S2\" id=\"t1h_88\">3.10% </span><span class=\"S1847 SA7 S2\" id=\"t1i_88\">2.75% </span><span class=\"S82C SB S2\" id=\"t1j_88\">Subordinated bonds and loans can be detailed as follows: </span><span class=\"S1848 S27D S2\" id=\"t1k_88\">Type </span><span class=\"S1849 S27D S2\" id=\"t1l_88\">Nominal </span><span class=\"S184A S27D S2\" id=\"t1m_88\">value </span><span class=\"S184B S27D S2\" id=\"t1n_88\">Date of </span><span class=\"S184C S27D S2\" id=\"t1o_88\">issuance </span><span class=\"S184D S27D S2\" id=\"t1p_88\">Date of </span><span class=\"S184E S27D S2\" id=\"t1q_88\">maturity </span><span class=\"S184F S27D S2\" id=\"t1r_88\">Issue </span><span class=\"S1850 S27D S2\" id=\"t1s_88\">price </span><span class=\"S1851 S27D S2\" id=\"t1t_88\">Interest conditions </span><span class=\"S1852 S27D S2\" id=\"t1u_88\">Interest rate </span><span class=\"S1853 S27D S2\" id=\"t1v_88\">as at 31 </span><span class=\"S1854 S27D S2\" id=\"t1w_88\">December </span><span class=\"S1855 S27D S2\" id=\"t1x_88\">2022 </span><span class=\"S1856 S27E S2\" id=\"t1y_88\">Subordinated </span><span class=\"S1857 S27E S2\" id=\"t1z_88\">bond </span><span class=\"S1858 S27E S2\" id=\"t20_88\">EUR 231 </span><span class=\"S1859 S27E S2\" id=\"t21_88\">million </span><span class=\"S185A S27E S2\" id=\"t22_88\">07/11/2006 </span><span class=\"S185B S27E S2\" id=\"t23_88\">Perpetual </span><span class=\"S185C S27E S2\" id=\"t24_88\">99.375% </span><span class=\"S185D S27E S2\" id=\"t25_88\">Three-month EURIBOR + </span><span class=\"S185E S27E S2\" id=\"t26_88\">3%, variable after year 10 </span><span class=\"S185F S27E S2\" id=\"t27_88\">(payable quarterly) </span><span class=\"S1860 S27E S2\" id=\"t28_88\">4.742% </span><span class=\"S1861 S27E S2\" id=\"t29_88\">Subordinated </span><span class=\"S1862 S27E S2\" id=\"t2a_88\">bond </span><span class=\"S1863 S27E S2\" id=\"t2b_88\">EUR 499 </span><span class=\"S1864 S27E S2\" id=\"t2c_88\">million </span><span class=\"S1865 S27E S2\" id=\"t2d_88\">15/07/2019 </span><span class=\"S1866 S27E S2\" id=\"t2e_88\">15/07/2029 </span><span class=\"S1867 S27E S2\" id=\"t2f_88\">99.738% </span><span class=\"S1868 S27E S2\" id=\"t2g_88\">Fixed 2.875% annual in the </span><span class=\"S1869 S27E S2\" id=\"t2h_88\">first 5 years and callable after </span><span class=\"S186A S27E S2\" id=\"t2i_88\">5 years, starting from year 6 </span><span class=\"S186B S27E S2\" id=\"t2j_88\">fix coupon (payable annually) </span><span class=\"S186C S27E S2\" id=\"t2k_88\">is calculated as a sum of the </span><span class=\"S186D S27E S2\" id=\"t2l_88\">initial margin (320 basis </span><span class=\"S186E S27E S2\" id=\"t2m_88\">point) and the 5 year mid- </span><span class=\"S186F S27E S2\" id=\"t2n_88\">swap rate prevailing at the end </span><span class=\"S1870 S27E S2\" id=\"t2o_88\">of the 5 year. </span><span class=\"S1871 S27E S2\" id=\"t2p_88\">2.875% </span><span class=\"S1872 S27E S2\" id=\"t2q_88\">Subordinated </span><span class=\"S1873 S27E S2\" id=\"t2r_88\">loan </span><span class=\"S1874 S27E S2\" id=\"t2s_88\">USD 17.0 </span><span class=\"S1875 S27E S2\" id=\"t2t_88\">million </span><span class=\"S1876 S27E S2\" id=\"t2u_88\">05/06/2018 </span><span class=\"S1877 S27E S2\" id=\"t2v_88\">30/06/2025 </span><span class=\"S1878 S27E S2\" id=\"t2w_88\">100.00% </span><span class=\"S1879 S27E S2\" id=\"t2x_88\">Bullet repayment, once at the </span><span class=\"S187A S27E S2\" id=\"t2y_88\">end of the loan agreement </span><span class=\"S187B S27E S2\" id=\"t2z_88\">5.00% </span><span class=\"SFA4 SB S2\" id=\"t3_89\">NOTE 26: </span><span class=\"S187C SB S2\" id=\"t4_89\">SHARE CAPITAL (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_89\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_89\">2021 </span><span class=\"S187D SA7 S2\" id=\"t7_89\">Authorized, issued and fully paid: </span><span class=\"S187E SA7 S2\" id=\"t8_89\">Ordinary shares </span><span class=\"SE32 SA7 S2\" id=\"t9_89\">28,000 </span><span class=\"SE33 SA7 S2\" id=\"ta_89\">28,000 </span><span class=\"S187F S5B9 S2\" id=\"tb_89\">Share capital is the portion of the Bank\u2019s equity that has been obtained by the issue of </span><span class=\"S1880 SA7 S2\" id=\"tc_89\">shares in the corporation to </span><span class=\"S1881 SA7 S2\" id=\"td_89\">a shareholder, usually for cash. </span><span class=\"S1882 SA7 S2\" id=\"te_89\">The nominal value of the shares is HUF 100 per shares. All of the shares are ordinary shares representing the same </span><span class=\"S1883 SA7 S2\" id=\"tf_89\">rights to the shareholders. Furthermore, there are no restrictions on the distribution of dividends and the repayment </span><span class=\"S1884 SA7 S2\" id=\"tg_89\">of capital. </span><span class=\"SFA4 SB S2\" id=\"t3_90\">NOTE 27: </span><span class=\"S7A3 SB S2\" id=\"t4_90\">RETAINED EARNINGS AND RESERVES (in HUF mn) </span><span class=\"S1885 SA7 S2\" id=\"t5_90\">In 2021, the Bank did not pay dividend based on the earlier NBH warnings issued due to covid moratoria. In 2022 </span><span class=\"S1886 SA7 S2\" id=\"t6_90\">dividend of HUF 119 billion from the profit of years 2019 and 2020 and HUF 1 billion from the profit of year </span><span class=\"S1887 SA7 S2\" id=\"t7_90\">2021 (totally HUF 120 billion) was paid out, which meant HUF 425.89 (for the year 2019 and 2020) and HUF </span><span class=\"S1888 SA7 S2\" id=\"t8_90\">3.57 (for the year 2021) dividend per share payable to shareholders. </span><span class=\"S1889 SA7 S2\" id=\"t9_90\">In 2023 dividend of HUF 84,000 million are expected to be proposed by the Management from the profit of the </span><span class=\"S5C0 SA7 S2\" id=\"ta_90\">year 2022, which means HUF 300 dividend per share payable to the shareholders. </span><span class=\"S188A SA7 S2\" id=\"tb_90\">The retained earnings and reserves according to IFRS contains the retained earnings (HUF 774,151 million and </span><span class=\"S188B SA7 S2\" id=\"tc_90\">HUF 844,343 million) and reserves (HUF 2,621,064 million and HUF 2,265,166 million) as at 31 December 2022 </span><span class=\"S188C SA7 S2\" id=\"td_90\">and 2021, respectively. The reserves include mainly the option reserve, other reserves, the fair value adjustment </span><span class=\"S188D SA7 S2\" id=\"te_90\">of financial instruments at fair value through other comprehensive income, share-based payment reserve, fair value </span><span class=\"S188E S5B9 S2\" id=\"tf_90\">of hedge transactions, additional reserves of Income Certificates Exchangeable for Shares (\u201cICES\u201d), changes in </span><span class=\"S188F SA7 S2\" id=\"tg_90\">equity accumulated in the previous years at the subsidiaries and due to consolidation as well as translation of </span><span class=\"S1890 SA7 S2\" id=\"th_90\">foreign exchange differences. </span><span class=\"S1891 SA7 S2\" id=\"ti_90\">In the Consolidated Financial Statements, the Group recognizes the non-monetary items at historical cost. The </span><span class=\"S1892 SA7 S2\" id=\"tj_90\">difference between the historical cost of the non-monetary items in forint amount and the translated foreign </span><span class=\"S1893 SA7 S2\" id=\"tk_90\">currencies into the presentation currency using the exchange rate at the balance sheet date, is presented in the </span><span class=\"S1894 S5B9 S2\" id=\"tl_90\">shareholders\u2019 equity as a translation difference. </span><span class=\"S1895 SA7 S2\" id=\"tm_90\">The accumulated amounts of exchange differences were HUF </span><span class=\"S1896 SA7 S2\" id=\"tn_90\">237,853 million and HUF 58,164 million as at 31 December 2022 and 2021, respectively. </span><span class=\"S1897 SA7 S2\" id=\"to_90\">On 19 October 2006, the Bank sold 14.5 million Treasury shares owned by the Group through an issue of ICES. </span><span class=\"S10FB SA7 S2\" id=\"tp_90\">Within the transaction 10 million shares owned by OTP Bank, and a further 4.5 million shares owned by the Group </span><span class=\"S1898 SA7 S2\" id=\"tq_90\">were sold during the underwriting period of ICES on the weighted average market price (HUF 7,080) of the </span><span class=\"S1899 S5B9 S2\" id=\"tr_90\">Budapest Stock Exchange. The shares have been purchased by Opus Securities S.A. (\u201cOPUS\u201d), which issued an </span><span class=\"S189A SA7 S2\" id=\"ts_90\">exchangeable bond with a total face value of EUR 514,274,000 backed by those shares. The exchangeable bonds </span><span class=\"S189B SA7 S2\" id=\"tt_90\">have been sold at a 32% premium over the selling price of the shares. The EUR denominated exchangeable bonds </span><span class=\"S189C SA7 S2\" id=\"tu_90\">were perpetual and the investors could have exercised the conversion right between years 6 and 10. The bonds </span><span class=\"S189D SA7 S2\" id=\"tv_90\">carried a fixed coupon of 3.95% during the first 10 years, and thereafter the Issuer had the right to redeem the </span><span class=\"S189E SA7 S2\" id=\"tw_90\">bonds at face value. Following year 10, the bonds carried a coupon of 3-month EURIBOR +3%. </span><span class=\"S189F SA7 S2\" id=\"tx_90\">OTP Bank had </span><span class=\"S18A0 SA7 S2\" id=\"ty_90\">a discretional right to cancel the interest payments. The interest payable was non-cumulative. </span><span class=\"S18A1 SA7 S2\" id=\"tz_90\">Due to the conditions described above, ICES was accounted as an equity instrument and therefore any payment </span><span class=\"S18A2 SA7 S2\" id=\"t10_90\">was accounted as equity distribution paid to ICES holders. </span><span class=\"S18A3 SA7 S2\" id=\"t11_90\">On 14 September 2021 the Bank decided to terminate the subordinated swap agreement related to ICES transaction </span><span class=\"S18A4 SA7 S2\" id=\"t12_90\">as at 29 October 2021, and to exercise its option for repurchasing approximately 14.5 million OTP ordinary shares </span><span class=\"S18A5 SA7 S2\" id=\"t13_90\">held by Opus at market price based on the swap agreement. On the same day, the Bank recognised liability due to </span><span class=\"S18A6 S5B9 S2\" id=\"t14_90\">Opus as a reduction of EUR 514 million in the shareholder\u2019s equity. </span><span class=\"S18A7 SA7 S2\" id=\"t15_90\">Treasury shares were repurchased on 29 October 2021 on a price HUF 18,118 and on the same day the swap </span><span class=\"S18A8 SA7 S2\" id=\"t16_90\">transaction w</span><span class=\"S18A9 S5B9 S2\" id=\"t17_90\">as financially settled. As a result of the closure of the subordinated swap agreement the Bank\u2019s </span><span class=\"S18AA S5B9 S2\" id=\"t18_90\">shareholder\u2019s equity increased by HUF 75,421 million, the Group\u2019s shareholders\u2019 equity increased by HUF 35,063 </span><span class=\"S7FC SA7 S2\" id=\"t19_90\">million. </span><span class=\"S18AB SA7 S2\" id=\"t1a_90\">Approximately 12 million pieces of tre</span><span class=\"S18AC S5B9 S2\" id=\"t1b_90\">asury shares were sold to OTP SECOP I. (\u201cOTP Special Employee Stock </span><span class=\"S18AD S5B9 S2\" id=\"t1c_90\">Ownership Program\u201d) and OTP SECOP II. </span><span class=\"SFA4 SB S2\" id=\"t3_91\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_91\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S10EC SB S2\" id=\"t5_91\">Retained earnings </span><span class=\"S18AE SA7 S2\" id=\"t6_91\">Profit of previous years generated by the Group that are not distributed to shareholders as dividends. </span><span class=\"S18AF SB S2\" id=\"t7_91\">Other reserves </span><span class=\"S18B0 SA7 S2\" id=\"t8_91\">The other reserves contain separated reserves due to statutory provisions. </span><span class=\"S18B1 SB S2\" id=\"t9_91\">Option reserve </span><span class=\"S18B2 SA7 S2\" id=\"ta_91\">OTP Bank Plc and MOL Plc entered into a share swap agreement in 16 April 2009, whereby OTP has changed </span><span class=\"S18B3 S5B9 S2\" id=\"tb_91\">24,000,000 OTP ordinary shares for 5,010,501 \u201eA series\u201d MOL shares. The amended final maturity of the share </span><span class=\"S9FC SA7 S2\" id=\"tc_91\">swap agreement is 11 July 2027, until which any party can initiate cash or physical settlement of the transaction. </span><span class=\"S18B4 SA7 S2\" id=\"td_91\">Option reserve represents the written put option over OTP ordinary shares were accounted as a deduction from </span><span class=\"S18B5 SA7 S2\" id=\"te_91\">equity at the date of OTP-MOL share swap transaction. </span><span class=\"S18B6 SB S2\" id=\"tf_91\">Share-based payment reserve </span><span class=\"S18B7 SA7 S2\" id=\"tg_91\">Share-based payment reserve represents the increase in the equity due to the goods or services were received by </span><span class=\"S18B8 SA7 S2\" id=\"th_91\">the Bank in an equity-settled share-based payment transaction, valued at the fair value of the goods or services </span><span class=\"S18B9 SA7 S2\" id=\"ti_91\">received (see details in Note 40). </span><span class=\"S18BA SB S2\" id=\"tj_91\">Other comprehensive income </span><span class=\"S18BB SA7 S2\" id=\"tk_91\">Other comprehensive income comprises items of income and expense (including reclassification adjustments) that </span><span class=\"S18BC SA7 S2\" id=\"tl_91\">are not recognized in profit or loss as required or permitted by other IFRSs. </span><span class=\"S12DD SB S2\" id=\"tm_91\">Net investment hedge in foreign operations </span><span class=\"S18BD SA7 S2\" id=\"tn_91\">Reserve presented as net investment hedge in foreign operations in the sha</span><span class=\"S18BE S5B9 S2\" id=\"to_91\">rholders\u2019 equity is related to DSK Bank </span><span class=\"S18BF SA7 S2\" id=\"tp_91\">EAD, OTP banka d.d. and Crnogorska komercijalna banka a.d. </span><span class=\"SFA4 SB S2\" id=\"t3_92\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_92\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S18C0 SB S2\" id=\"t5_92\">Changes in equity accumulated in the previous year at the subsidiaries and due to consolidation </span><span class=\"S18C1 SA7 S2\" id=\"t6_92\">The accumulated changes at the subsidiaries contain the accumulated gains and losses of the subsidiaries from the </span><span class=\"S18C2 SA7 S2\" id=\"t7_92\">first day when they were included in the consolidation process. The changes due to consolidation contain the effect </span><span class=\"S18C3 SA7 S2\" id=\"t8_92\">on the result of the eliminations in the consolidation process of the previous years. </span><span class=\"S18C4 SB S2\" id=\"t9_92\">2022 </span><span class=\"S18C5 SB S2\" id=\"ta_92\">2021 </span><span class=\"S18C6 SA7 S2\" id=\"tb_92\">Retained earnings </span><span class=\"SF90 SA7 S2\" id=\"tc_92\">774,151 </span><span class=\"SF91 SA7 S2\" id=\"td_92\">844,343 </span><span class=\"S18C7 SA7 S2\" id=\"te_92\">Capital reserve </span><span class=\"S18C8 SA7 S2\" id=\"tf_92\">52 </span><span class=\"S18C9 SA7 S2\" id=\"tg_92\">52 </span><span class=\"S18CA SA7 S2\" id=\"th_92\">Option reserve </span><span class=\"S18CB SA7 S2\" id=\"ti_92\">(55,468) </span><span class=\"S18CC SA7 S2\" id=\"tj_92\">(55,468) </span><span class=\"S18CD SA7 S2\" id=\"tk_92\">Other reserves </span><span class=\"S18CE SA7 S2\" id=\"tl_92\">129,902 </span><span class=\"S18CF SA7 S2\" id=\"tm_92\">129,208 </span><span class=\"S18D0 SA7 S2\" id=\"tn_92\">Actuarial loss related to employee defined benefits </span><span class=\"S18D1 SA7 S2\" id=\"to_92\">544 </span><span class=\"S18D2 SA7 S2\" id=\"tp_92\">(471) </span><span class=\"S18D3 SA7 S2\" id=\"tq_92\">Fair value of financial instruments measured </span><span class=\"S18D4 SA7 S2\" id=\"tr_92\">at fair value through other comprehensive income </span><span class=\"S18D5 SA7 S2\" id=\"ts_92\">(107,676) </span><span class=\"S18D6 SA7 S2\" id=\"tt_92\">11,690 </span><span class=\"S18D7 SA7 S2\" id=\"tu_92\">Share-based payment reserve </span><span class=\"S18D8 SA7 S2\" id=\"tv_92\">49,110 </span><span class=\"S18D9 SA7 S2\" id=\"tw_92\">46,162 </span><span class=\"S18DA SA7 S2\" id=\"tx_92\">Net investment hedge in foreign operations </span><span class=\"S18DB SA7 S2\" id=\"ty_92\">(27,405) </span><span class=\"S18DC SA7 S2\" id=\"tz_92\">(27,405) </span><span class=\"S18DD SA7 S2\" id=\"t10_92\">Profit after income tax </span><span class=\"S18DE SA7 S2\" id=\"t11_92\">346,354 </span><span class=\"S18DF SA7 S2\" id=\"t12_92\">455,592 </span><span class=\"S18E0 SA7 S2\" id=\"t13_92\">Changes in equity accumulated in the previous </span><span class=\"S18E1 SA7 S2\" id=\"t14_92\">year at the subsidiaries and due to consolidation </span><span class=\"S18E2 SA7 S2\" id=\"t15_92\">2,047,798 </span><span class=\"S18E3 SA7 S2\" id=\"t16_92\">1,647,642 </span><span class=\"S18E4 SA7 S2\" id=\"t17_92\">Foreign currency translation differences </span><span class=\"S18E5 SA7 S2\" id=\"t18_92\">237,853 </span><span class=\"S18E6 SA7 S2\" id=\"t19_92\">58,164 </span><span class=\"S18E7 SB S2\" id=\"t1a_92\">Retained earnings and other reserves </span><span class=\"S18E8 S10A6 S2\" id=\"t1b_92\">1 </span><span class=\"S18E9 SB S2\" id=\"t1c_92\">3,395,215 </span><span class=\"S18EA SB S2\" id=\"t1d_92\">3,109,509 </span><span class=\"S18EB S482 S2\" id=\"t1e_92\">1 </span><span class=\"S18EC S483 S2\" id=\"t1f_92\">See more details in the Consolidated Statement of Comprehensive Income and in the Consolidated statement of </span><span class=\"S18ED S483 S2\" id=\"t1g_92\">Changes in equity on page </span><span class=\"S18EE S483 S2\" id=\"t1h_92\">6 and 7. </span><span class=\"S18EF SB S2\" id=\"t1i_92\">Fair value adjustment of securities at fair value </span><span class=\"S18F0 SB S2\" id=\"t1j_92\">through other comprehensive income </span><span class=\"S18F1 SB S2\" id=\"t1k_92\">2022 </span><span class=\"S18F2 SB S2\" id=\"t1l_92\">2021 </span><span class=\"S18F3 SB S2\" id=\"t1m_92\">Balance as at 1 January </span><span class=\"S18F4 SB S2\" id=\"t1n_92\">(7,653) </span><span class=\"S18F5 SB S2\" id=\"t1o_92\">43,958 </span><span class=\"S18F6 SA7 S2\" id=\"t1p_92\">Change of fair value </span><span class=\"S18F7 SA7 S2\" id=\"t1q_92\">(180,981) </span><span class=\"S18F8 SA7 S2\" id=\"t1r_92\">(49,621) </span><span class=\"S18F9 SA7 S2\" id=\"t1s_92\">Deferred tax related to change of fair value </span><span class=\"S18FA SA7 S2\" id=\"t1t_92\">22,401 </span><span class=\"S18FB SA7 S2\" id=\"t1u_92\">3,035 </span><span class=\"S18FC SA7 S2\" id=\"t1v_92\">Other transfer to retained earnings </span><span class=\"S18FD SA7 S2\" id=\"t1w_92\">- </span><span class=\"S18FE SA7 S2\" id=\"t1x_92\">(5,070) </span><span class=\"S18FF SA7 S2\" id=\"t1y_92\">Deferred tax related to other transfer to retained earnings </span><span class=\"S1900 SA7 S2\" id=\"t1z_92\">- </span><span class=\"S1901 SA7 S2\" id=\"t20_92\">457 </span><span class=\"S1902 SA7 S2\" id=\"t21_92\">Transfer to profit or loss due to derecognition </span><span class=\"S1903 SA7 S2\" id=\"t22_92\">1,040 </span><span class=\"S1904 SA7 S2\" id=\"t23_92\">(2,547) </span><span class=\"S1905 SA7 S2\" id=\"t24_92\">Deferred tax related to transfer to proft or loss </span><span class=\"S1906 SA7 S2\" id=\"t25_92\">(194) </span><span class=\"S1907 SA7 S2\" id=\"t26_92\">491 </span><span class=\"S1908 SA7 S2\" id=\"t27_92\">Foreign currency translation difference </span><span class=\"S1909 SA7 S2\" id=\"t28_92\">955 </span><span class=\"S190A SA7 S2\" id=\"t29_92\">1,644 </span><span class=\"S190B SB S2\" id=\"t2a_92\">Closing balance </span><span class=\"S190C SB S2\" id=\"t2b_92\">(164,432) </span><span class=\"S190D SB S2\" id=\"t2c_92\">(7,653) </span><span class=\"S190E SB S2\" id=\"t2d_92\">Expected credit loss on securities at fair value </span><span class=\"S190F SB S2\" id=\"t2e_92\">through other comprehensive income </span><span class=\"S1910 SB S2\" id=\"t2f_92\">2022 </span><span class=\"S1911 SB S2\" id=\"t2g_92\">2021 </span><span class=\"S1912 SB S2\" id=\"t2h_92\">Balance as at 1 January </span><span class=\"S1913 SB S2\" id=\"t2i_92\">6,710 </span><span class=\"S1914 SB S2\" id=\"t2j_92\">6,984 </span><span class=\"S1915 SA7 S2\" id=\"t2k_92\">Increase of loss allowance </span><span class=\"S1916 SA7 S2\" id=\"t2l_92\">40,664 </span><span class=\"S1917 SA7 S2\" id=\"t2m_92\">4,414 </span><span class=\"S1918 SA7 S2\" id=\"t2n_92\">Release of loss allowance </span><span class=\"S1919 SA7 S2\" id=\"t2o_92\">(11,391) </span><span class=\"S191A SA7 S2\" id=\"t2p_92\">(3,453) </span><span class=\"S191B SA7 S2\" id=\"t2q_92\">Decrease due to sale, derecognition </span><span class=\"S191C SA7 S2\" id=\"t2r_92\">(43) </span><span class=\"S191D SA7 S2\" id=\"t2s_92\">(1,749) </span><span class=\"S191E SA7 S2\" id=\"t2t_92\">Foreign currency translation difference </span><span class=\"S191F SA7 S2\" id=\"t2u_92\">3,685 </span><span class=\"S1920 SA7 S2\" id=\"t2v_92\">514 </span><span class=\"S1921 SB S2\" id=\"t2w_92\">Closing balance </span><span class=\"S1922 SB S2\" id=\"t2x_92\">39,625 </span><span class=\"S1923 SB S2\" id=\"t2y_92\">6,710 </span><span class=\"SFA4 SB S2\" id=\"t3_93\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_93\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S1924 SB S2\" id=\"t5_93\">Fair value changes of equity instruments as </span><span class=\"S1925 SB S2\" id=\"t6_93\">at fair value through other comprehensive income </span><span class=\"S1926 SB S2\" id=\"t7_93\">2022 </span><span class=\"S1927 SB S2\" id=\"t8_93\">2021 </span><span class=\"S1928 SB S2\" id=\"t9_93\">Balance as at 1 January </span><span class=\"S1768 SB S2\" id=\"ta_93\">12,633 </span><span class=\"S1769 SB S2\" id=\"tb_93\">10,454 </span><span class=\"S1929 SA7 S2\" id=\"tc_93\">Change of fair value </span><span class=\"S14D9 SA7 S2\" id=\"td_93\">5,394 </span><span class=\"S14DA SA7 S2\" id=\"te_93\">2,465 </span><span class=\"S192A SA7 S2\" id=\"tf_93\">Deferred tax related to change of fair value </span><span class=\"S192B SA7 S2\" id=\"tg_93\">(1,282) </span><span class=\"S192C SA7 S2\" id=\"th_93\">(361) </span><span class=\"S192D SA7 S2\" id=\"ti_93\">Transfer to retained earnings due to derecognition </span><span class=\"S192E SA7 S2\" id=\"tj_93\">- </span><span class=\"S192F SA7 S2\" id=\"tk_93\">(207) </span><span class=\"S1930 SA7 S2\" id=\"tl_93\">Foreign currency translation difference </span><span class=\"S1931 SA7 S2\" id=\"tm_93\">386 </span><span class=\"S1932 SA7 S2\" id=\"tn_93\">282 </span><span class=\"S1933 SB S2\" id=\"to_93\">Closing balance </span><span class=\"S14E2 SB S2\" id=\"tp_93\">17,131 </span><span class=\"S14E3 SB S2\" id=\"tq_93\">12,633 </span><span class=\"S1831 SB S2\" id=\"tr_93\">Actuarial loss related to defined employee benefits </span><span class=\"S1934 SB S2\" id=\"ts_93\">2022 </span><span class=\"S1935 SB S2\" id=\"tt_93\">2021 </span><span class=\"S1936 SB S2\" id=\"tu_93\">Balance as at 1 January </span><span class=\"S1937 SB S2\" id=\"tv_93\">(471) </span><span class=\"S1938 SB S2\" id=\"tw_93\">(513) </span><span class=\"S1939 SA7 S2\" id=\"tx_93\">Change of actuarial loss related to </span><span class=\"S193A SA7 S2\" id=\"ty_93\">employee benefits </span><span class=\"S193B SA7 S2\" id=\"tz_93\">1,097 </span><span class=\"S193C SA7 S2\" id=\"t10_93\">98 </span><span class=\"S193D SA7 S2\" id=\"t11_93\">Deferred tax related to change of actuarial loss related to </span><span class=\"S193E SA7 S2\" id=\"t12_93\">employee benefits </span><span class=\"S193F SA7 S2\" id=\"t13_93\">(43) </span><span class=\"S1940 SA7 S2\" id=\"t14_93\">(11) </span><span class=\"S1941 SA7 S2\" id=\"t15_93\">Foreign currency translation difference </span><span class=\"S1942 SA7 S2\" id=\"t16_93\">(39) </span><span class=\"S1943 SA7 S2\" id=\"t17_93\">(45) </span><span class=\"S1944 SB S2\" id=\"t18_93\">Closing balance </span><span class=\"S1945 SB S2\" id=\"t19_93\">544 </span><span class=\"S1946 SB S2\" id=\"t1a_93\">(471) </span><span class=\"S1947 SB S2\" id=\"t1b_93\">Foreign currency translation difference </span><span class=\"S1948 SB S2\" id=\"t1c_93\">2022 </span><span class=\"S1949 SB S2\" id=\"t1d_93\">2021 </span><span class=\"S194A SB S2\" id=\"t1e_93\">Balance as at 1 January </span><span class=\"S194B SB S2\" id=\"t1f_93\">58,164 </span><span class=\"S194C SB S2\" id=\"t1g_93\">(3,369) </span><span class=\"S194D SA7 S2\" id=\"t1h_93\">Change of foreign currency translation </span><span class=\"S194E SA7 S2\" id=\"t1i_93\">179,689 </span><span class=\"S194F SA7 S2\" id=\"t1j_93\">61,533 </span><span class=\"S1950 SB S2\" id=\"t1k_93\">Closing balance </span><span class=\"S1951 SB S2\" id=\"t1l_93\">237,853 </span><span class=\"S1952 SB S2\" id=\"t1m_93\">58,164 </span><span class=\"SFA4 SB S2\" id=\"t3_94\">NOTE 28: </span><span class=\"S1953 SB S2\" id=\"t4_94\">TREASURY SHARES (in HUF mn) </span><span class=\"SEDF SB S2\" id=\"t5_94\">2022 </span><span class=\"SEE0 SB S2\" id=\"t6_94\">2021 </span><span class=\"S1954 SA7 S2\" id=\"t7_94\">Nominal value (Ordinary shares) </span><span class=\"S1955 SA7 S2\" id=\"t8_94\">1,132 </span><span class=\"S1956 SA7 S2\" id=\"t9_94\">1,091 </span><span class=\"S13E5 SA7 S2\" id=\"ta_94\">Carrying value at acquisition cost </span><span class=\"S148E SA7 S2\" id=\"tb_94\">106,862 </span><span class=\"S148F SA7 S2\" id=\"tc_94\">106,941 </span><span class=\"S1957 SA7 S2\" id=\"td_94\">The changes in the carrying value of treasury shares are due to repurchase and sale transactions on market </span><span class=\"S1958 SA7 S2\" id=\"te_94\">authorised by the General Assembly. </span><span class=\"S1959 SA7 S2\" id=\"tf_94\">Change in number of shares: </span><span class=\"S195A SB S2\" id=\"tg_94\">2022 </span><span class=\"S195B SB S2\" id=\"th_94\">2021 </span><span class=\"S195C SB S2\" id=\"ti_94\">Number of shares as at 1 January </span><span class=\"S195D SB S2\" id=\"tj_94\">10,906,881 </span><span class=\"S195E SB S2\" id=\"tk_94\">23,924,900 </span><span class=\"S195F SA7 S2\" id=\"tl_94\">Additions </span><span class=\"S1960 SA7 S2\" id=\"tm_94\">1,801,256 </span><span class=\"S1961 SA7 S2\" id=\"tn_94\">16,251,451 </span><span class=\"S1962 SA7 S2\" id=\"to_94\">Disposals </span><span class=\"S1963 SA7 S2\" id=\"tp_94\">(1,390,041) </span><span class=\"S1964 SA7 S2\" id=\"tq_94\">(29,269,470) </span><span class=\"S1965 SB S2\" id=\"tr_94\">Closing number of shares </span><span class=\"S1966 SB S2\" id=\"ts_94\">11,318,096 </span><span class=\"S1967 SB S2\" id=\"tt_94\">10,906,881 </span><span class=\"S1968 SA7 S2\" id=\"tu_94\">Change in carrying value: </span><span class=\"S1969 SB S2\" id=\"tv_94\">2022 </span><span class=\"S196A SB S2\" id=\"tw_94\">2021 </span><span class=\"S196B SB S2\" id=\"tx_94\">Balance as at 1 January </span><span class=\"S196C SB S2\" id=\"ty_94\">106,941 </span><span class=\"S196D SB S2\" id=\"tz_94\">124,080 </span><span class=\"S196E SA7 S2\" id=\"t10_94\">Additions </span><span class=\"S196F SA7 S2\" id=\"t11_94\">16,268 </span><span class=\"S1970 SA7 S2\" id=\"t12_94\">276,433 </span><span class=\"S1971 SA7 S2\" id=\"t13_94\">Disposals </span><span class=\"S1972 SA7 S2\" id=\"t14_94\">(16,347) </span><span class=\"S1973 SA7 S2\" id=\"t15_94\">(293,572) </span><span class=\"S1974 SB S2\" id=\"t16_94\">Closing balance </span><span class=\"S1975 SB S2\" id=\"t17_94\">106,862 </span><span class=\"S1976 SB S2\" id=\"t18_94\">106,941 </span><span class=\"SFA4 SB S2\" id=\"t3_95\">NOTE 29: </span><span class=\"S6E4 SB S2\" id=\"t4_95\">NON-CONTROLLING INTEREST (in HUF mn) </span><span class=\"SEDF SB S2\" id=\"t5_95\">2022 </span><span class=\"SEE0 SB S2\" id=\"t6_95\">2021 </span><span class=\"S13E2 SB S2\" id=\"t7_95\">Balance as at 1 January </span><span class=\"S1977 SB S2\" id=\"t8_95\">6,198 </span><span class=\"S1978 SB S2\" id=\"t9_95\">4,116 </span><span class=\"S1979 SA7 S2\" id=\"ta_95\">Increase due to business combination </span><span class=\"S197A SA7 S2\" id=\"tb_95\">- </span><span class=\"S197B SA7 S2\" id=\"tc_95\">1,041 </span><span class=\"S197C SA7 S2\" id=\"td_95\">Non-controlling interest included in net profit for the period </span><span class=\"S197D SA7 S2\" id=\"te_95\">727 </span><span class=\"SE3C SA7 S2\" id=\"tf_95\">836 </span><span class=\"S197E SA7 S2\" id=\"tg_95\">Purchase of non-controlling interest </span><span class=\"S197F SA7 S2\" id=\"th_95\">(886) </span><span class=\"S1980 SA7 S2\" id=\"ti_95\">- </span><span class=\"S1981 SA7 S2\" id=\"tj_95\">Foreign currency translation difference </span><span class=\"S1982 SA7 S2\" id=\"tk_95\">(80) </span><span class=\"S1393 SA7 S2\" id=\"tl_95\">205 </span><span class=\"S1983 SB S2\" id=\"tm_95\">Closing balance </span><span class=\"S1984 SB S2\" id=\"tn_95\">5,959 </span><span class=\"SE44 SB S2\" id=\"to_95\">6,198 </span><span class=\"S1985 SA7 S2\" id=\"tp_95\">The non-controlling interest is not significant in respect of the whole OTP Group. </span><span class=\"SFA4 SB S2\" id=\"t3_96\">NOTE 30: </span><span class=\"S6B1 SB S2\" id=\"t4_96\">INTEREST INCOME, INCOME SIMILAR TO INTEREST INCOME AND EXPENSE (in </span><span class=\"SEDE SB S2\" id=\"t5_96\">HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_96\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_96\">2021 </span><span class=\"S1986 SB S2\" id=\"t8_96\">Interest income calculated using </span><span class=\"S1987 SB S2\" id=\"t9_96\">the effective interest method from / on </span><span class=\"S14D3 SA7 S2\" id=\"ta_96\">loans </span><span class=\"S1988 SA7 S2\" id=\"tb_96\">981,566 </span><span class=\"S1989 SA7 S2\" id=\"tc_96\">692,432 </span><span class=\"S198A SA7 S2\" id=\"td_96\">securities at amortized cost </span><span class=\"S198B SA7 S2\" id=\"te_96\">144,757 </span><span class=\"S198C SA7 S2\" id=\"tf_96\">79,602 </span><span class=\"S198D SA7 S2\" id=\"tg_96\">finance lease receivables </span><span class=\"S198E SA7 S2\" id=\"th_96\">78,262 </span><span class=\"S198F SA7 S2\" id=\"ti_96\">59,084 </span><span class=\"S1990 SA7 S2\" id=\"tj_96\">securities at fair value through other </span><span class=\"S1991 SA7 S2\" id=\"tk_96\">comprehensive income </span><span class=\"S14DD SA7 S2\" id=\"tl_96\">54,046 </span><span class=\"S14DE SA7 S2\" id=\"tm_96\">49,473 </span><span class=\"S1992 SA7 S2\" id=\"tn_96\">banks and balances with the National Banks </span><span class=\"S1993 SA7 S2\" id=\"to_96\">62,121 </span><span class=\"S1994 SA7 S2\" id=\"tp_96\">16,527 </span><span class=\"S1995 SA7 S2\" id=\"tq_96\">placements with other banks </span><span class=\"S1996 SA7 S2\" id=\"tr_96\">162,532 </span><span class=\"S14E3 SA7 S2\" id=\"ts_96\">20,922 </span><span class=\"S1997 SA7 S2\" id=\"tt_96\">liabilities (negative interest expense) </span><span class=\"S1998 SA7 S2\" id=\"tu_96\">20,505 </span><span class=\"S1999 SA7 S2\" id=\"tv_96\">3,672 </span><span class=\"S199A SA7 S2\" id=\"tw_96\">repo receivables </span><span class=\"S199B SA7 S2\" id=\"tx_96\">4,261 </span><span class=\"S199C SA7 S2\" id=\"ty_96\">827 </span><span class=\"S199D SB S2\" id=\"tz_96\">Subtotal </span><span class=\"S199E SB S2\" id=\"t10_96\">1,508,050 </span><span class=\"S199F SB S2\" id=\"t11_96\">922,539 </span><span class=\"S19A0 SB S2\" id=\"t12_96\">Income similar to interest income from </span><span class=\"S19A1 SA7 S2\" id=\"t13_96\">swap deals related to placements with other banks </span><span class=\"S19A2 SA7 S2\" id=\"t14_96\">364,496 </span><span class=\"S19A3 SA7 S2\" id=\"t15_96\">128,519 </span><span class=\"S19A4 SA7 S2\" id=\"t16_96\">loans mandatorily at fair value through profit or loss </span><span class=\"S19A5 SA7 S2\" id=\"t17_96\">54,036 </span><span class=\"S19A6 SA7 S2\" id=\"t18_96\">40,131 </span><span class=\"S19A7 SA7 S2\" id=\"t19_96\">swap deals related to credit institutions </span><span class=\"S19A8 SA7 S2\" id=\"t1a_96\">68,123 </span><span class=\"S19A9 SA7 S2\" id=\"t1b_96\">15,557 </span><span class=\"S19AA SA7 S2\" id=\"t1c_96\">rental income </span><span class=\"S19AB SA7 S2\" id=\"t1d_96\">9,264 </span><span class=\"S19AC SA7 S2\" id=\"t1e_96\">8,964 </span><span class=\"S19AD SA7 S2\" id=\"t1f_96\">non-trading securities mandatorily at fair value </span><span class=\"S19AE SA7 S2\" id=\"t1g_96\">through profit or loss </span><span class=\"S19AF SA7 S2\" id=\"t1h_96\">54 </span><span class=\"S19B0 SA7 S2\" id=\"t1i_96\">1,749 </span><span class=\"S19B1 SB S2\" id=\"t1j_96\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1k_96\">495,973 </span><span class=\"S19B3 SB S2\" id=\"t1l_96\">194,920 </span><span class=\"S19B4 SB S2\" id=\"t1m_96\">Total interest income and incomes similar </span><span class=\"S19B5 SB S2\" id=\"t1n_96\">to interest income </span><span class=\"S19B6 SB S2\" id=\"t1o_96\">2,004,023 </span><span class=\"S19B7 SB S2\" id=\"t1p_96\">1,117,459 </span><span class=\"S19B8 SB S2\" id=\"t1q_96\">2022 </span><span class=\"S19B9 SB S2\" id=\"t1r_96\">2021 </span><span class=\"S19BA SB S2\" id=\"t1s_96\">Interest expense due to / from / on </span><span class=\"S19BB SA7 S2\" id=\"t1t_96\">swaps related to banks, National Governments </span><span class=\"S19BC SA7 S2\" id=\"t1u_96\">and to deposits from the National Banks </span><span class=\"S19BD SA7 S2\" id=\"t1v_96\">390,375 </span><span class=\"S19BE SA7 S2\" id=\"t1w_96\">116,895 </span><span class=\"S19BF SA7 S2\" id=\"t1x_96\">deposits from customers </span><span class=\"S19C0 SA7 S2\" id=\"t1y_96\">270,407 </span><span class=\"S19C1 SA7 S2\" id=\"t1z_96\">50,645 </span><span class=\"S19C2 SA7 S2\" id=\"t20_96\">swaps related to deposits from customers </span><span class=\"S19C3 SA7 S2\" id=\"t21_96\">128,153 </span><span class=\"S19C4 SA7 S2\" id=\"t22_96\">23,860 </span><span class=\"S19C5 SA7 S2\" id=\"t23_96\">banks, National Governments and on deposits </span><span class=\"S19C6 SA7 S2\" id=\"t24_96\">from the National Banks </span><span class=\"S19C7 SA7 S2\" id=\"t25_96\">35,134 </span><span class=\"S19C8 SA7 S2\" id=\"t26_96\">17,467 </span><span class=\"S19C9 SA7 S2\" id=\"t27_96\">issued securities </span><span class=\"S19CA SA7 S2\" id=\"t28_96\">27,838 </span><span class=\"S19CB SA7 S2\" id=\"t29_96\">9,822 </span><span class=\"S19CC SA7 S2\" id=\"t2a_96\">subordinated and supplementary bonds and loans </span><span class=\"S19CD SA7 S2\" id=\"t2b_96\">8,986 </span><span class=\"S19CE SA7 S2\" id=\"t2c_96\">7,598 </span><span class=\"S19CF SA7 S2\" id=\"t2d_96\">financial assets (negative interest income) </span><span class=\"S19D0 SA7 S2\" id=\"t2e_96\">11,830 </span><span class=\"S19D1 SA7 S2\" id=\"t2f_96\">7,275 </span><span class=\"S19D2 SA7 S2\" id=\"t2g_96\">depreciation of assets subject to operating lease </span><span class=\"S19D3 SA7 S2\" id=\"t2h_96\">and investment properties </span><span class=\"S19D4 SA7 S2\" id=\"t2i_96\">5,161 </span><span class=\"S19D5 SA7 S2\" id=\"t2j_96\">5,325 </span><span class=\"S19D6 SA7 S2\" id=\"t2k_96\">leases </span><span class=\"S19D7 SA7 S2\" id=\"t2l_96\">2,386 </span><span class=\"S19D8 SA7 S2\" id=\"t2m_96\">1,556 </span><span class=\"S19D9 SA7 S2\" id=\"t2n_96\">repo liabilities </span><span class=\"S19DA SA7 S2\" id=\"t2o_96\">31,006 </span><span class=\"S19DB SA7 S2\" id=\"t2p_96\">2,299 </span><span class=\"S19DC SA7 S2\" id=\"t2q_96\">other </span><span class=\"S19DD SA7 S2\" id=\"t2r_96\">1,433 </span><span class=\"S19DE SA7 S2\" id=\"t2s_96\">407 </span><span class=\"S19DF SB S2\" id=\"t2t_96\">Total interest expense </span><span class=\"S19E0 SB S2\" id=\"t2u_96\">912,709 </span><span class=\"S19E1 SB S2\" id=\"t2v_96\">243,149 </span><span class=\"SFA4 SB S2\" id=\"t3_97\">NOTE 31: </span><span class=\"SDB9 SB S2\" id=\"t4_97\">LOSS ALLOWANCES / IMPAIRMENT / PROVISIONS (in HUF mn) </span><span class=\"S19E2 SB S2\" id=\"t5_97\">2022 </span><span class=\"S19E3 SB S2\" id=\"t6_97\">2021 </span><span class=\"S19E4 SB S2\" id=\"t7_97\">Loss allowance on loans </span><span class=\"S19E5 SA7 S2\" id=\"t8_97\">Loss allowance for the period </span><span class=\"S19E6 SA7 S2\" id=\"t9_97\">676,389 </span><span class=\"S19E7 SA7 S2\" id=\"ta_97\">546,284 </span><span class=\"S19E8 SA7 S2\" id=\"tb_97\">Release of loss allowance </span><span class=\"S19E9 SA7 S2\" id=\"tc_97\">(477,513) </span><span class=\"S19EA SA7 S2\" id=\"td_97\">(475,067) </span><span class=\"S19EB SA7 S2\" id=\"te_97\">from this: impairment gain </span><span class=\"S19EC SA7 S2\" id=\"tf_97\">9,517 </span><span class=\"S19ED SA7 S2\" id=\"tg_97\">10,179 </span><span class=\"S19EE SA7 S2\" id=\"th_97\">Income from loan recoveries </span><span class=\"S19EF SA7 S2\" id=\"ti_97\">(67,869) </span><span class=\"S19F0 SA7 S2\" id=\"tj_97\">(51,876) </span><span class=\"S19F1 SA7 S2\" id=\"tk_97\">Income from recoveries exceeding the gross loans </span><span class=\"S19F2 SA7 S2\" id=\"tl_97\">(8,658) </span><span class=\"S19F3 SA7 S2\" id=\"tm_97\">(8,752) </span><span class=\"S19F4 SA7 S2\" id=\"tn_97\">Impairment gain </span><span class=\"S19F5 SA7 S2\" id=\"to_97\">(50,715) </span><span class=\"S19F6 SA7 S2\" id=\"tp_97\">(35,194) </span><span class=\"S19F7 SA7 S2\" id=\"tq_97\">Income from provisions on loans before OTP acquisition </span><span class=\"S19F8 SA7 S2\" id=\"tr_97\">(1,664) </span><span class=\"S19F9 SA7 S2\" id=\"ts_97\">(1,622) </span><span class=\"S19FA SA7 S2\" id=\"tt_97\">Income from recoveries of written-off, </span><span class=\"S19FB SA7 S2\" id=\"tu_97\">but legally existing loans </span><span class=\"S19FC SA7 S2\" id=\"tv_97\">(6,832) </span><span class=\"S19FD SA7 S2\" id=\"tw_97\">(6,308) </span><span class=\"S19FE SA7 S2\" id=\"tx_97\">Change in the fair value attributable to changes in the </span><span class=\"S19FF SA7 S2\" id=\"ty_97\">credit risk of loans mandatorily measured </span><span class=\"S1A00 SA7 S2\" id=\"tz_97\">at fair value through profit of loss </span><span class=\"S1A01 SA7 S2\" id=\"t10_97\">(13,346) </span><span class=\"S1A02 SA7 S2\" id=\"t11_97\">16,289 </span><span class=\"S1A03 SA7 S2\" id=\"t12_97\">Loss allowance on finance lease </span><span class=\"S1A04 SA7 S2\" id=\"t13_97\">49,433 </span><span class=\"S1A05 SA7 S2\" id=\"t14_97\">20,694 </span><span class=\"S1A06 SA7 S2\" id=\"t15_97\">Release of loss allowance on finance lease </span><span class=\"S1A07 SA7 S2\" id=\"t16_97\">(25,020) </span><span class=\"S1A08 SA7 S2\" id=\"t17_97\">(14,918) </span><span class=\"S19A2 SB S2\" id=\"t18_97\">142,074 </span><span class=\"S14ED SB S2\" id=\"t19_97\">41,406 </span><span class=\"S1A09 SB S2\" id=\"t1a_97\">Loss allowance on due from banks, balances with </span><span class=\"S1A0A SB S2\" id=\"t1b_97\">National Banks, on placements and on repo receivables </span><span class=\"S1A0B SA7 S2\" id=\"t1c_97\">Allowance for the period </span><span class=\"S1A0C SA7 S2\" id=\"t1d_97\">51,130 </span><span class=\"S1A0D SA7 S2\" id=\"t1e_97\">27,341 </span><span class=\"S1A0E SA7 S2\" id=\"t1f_97\">Release of allowance </span><span class=\"S1A0F SA7 S2\" id=\"t1g_97\">(50,869) </span><span class=\"S1A10 SA7 S2\" id=\"t1h_97\">(24,737) </span><span class=\"S1A11 SB S2\" id=\"t1i_97\">261 </span><span class=\"S1A12 SB S2\" id=\"t1j_97\">2,604 </span><span class=\"S1A13 SB S2\" id=\"t1k_97\">Loss allowance on securities </span><span class=\"S1A14 SB S2\" id=\"t1l_97\">at fair value through other comprehensive income </span><span class=\"S1A15 SB S2\" id=\"t1m_97\">and on securities at amortized cost </span><span class=\"S1A16 SA7 S2\" id=\"t1n_97\">Allowance for the period </span><span class=\"S1A17 SA7 S2\" id=\"t1o_97\">77,768 </span><span class=\"S1A18 SA7 S2\" id=\"t1p_97\">11,048 </span><span class=\"S1A19 SA7 S2\" id=\"t1q_97\">Release of allowance </span><span class=\"S1A1A SA7 S2\" id=\"t1r_97\">(16,994) </span><span class=\"S1A1B SA7 S2\" id=\"t1s_97\">(7,074) </span><span class=\"S1A1C SB S2\" id=\"t1t_97\">60,774 </span><span class=\"S1A1D SB S2\" id=\"t1u_97\">3,974 </span><span class=\"S1A1E SB S2\" id=\"t1v_97\">Impairment / (Release of impairment) of intangible, </span><span class=\"S1A1F SB S2\" id=\"t1w_97\">tangible assets subject to operating lease </span><span class=\"S1A20 SB S2\" id=\"t1x_97\">and of investment properties </span><span class=\"S1A21 SA7 S2\" id=\"t1y_97\">Impairment for the period </span><span class=\"S1A22 SA7 S2\" id=\"t1z_97\">1,389 </span><span class=\"S1A23 SA7 S2\" id=\"t20_97\">63 </span><span class=\"S1A24 SA7 S2\" id=\"t21_97\">Release of impairment </span><span class=\"S1A25 SA7 S2\" id=\"t22_97\">(185) </span><span class=\"S1A26 SA7 S2\" id=\"t23_97\">(501) </span><span class=\"S1A27 SB S2\" id=\"t24_97\">1,204 </span><span class=\"S1A28 SB S2\" id=\"t25_97\">(438) </span><span class=\"S1A29 SB S2\" id=\"t26_97\">Provision for </span><span class=\"S14B3 SB S2\" id=\"t27_97\">commitments and guarantees given </span><span class=\"S1A2A SA7 S2\" id=\"t28_97\">Provision for the period </span><span class=\"S1A2B SA7 S2\" id=\"t29_97\">102,928 </span><span class=\"S1A2C SA7 S2\" id=\"t2a_97\">28,869 </span><span class=\"S1A2D SA7 S2\" id=\"t2b_97\">Release of provision </span><span class=\"S1A2E SA7 S2\" id=\"t2c_97\">(96,783) </span><span class=\"S1A2F SA7 S2\" id=\"t2d_97\">(28,770) </span><span class=\"S1A30 SB S2\" id=\"t2e_97\">6,145 </span><span class=\"S1A31 SB S2\" id=\"t2f_97\">99 </span><span class=\"S1A32 SB S2\" id=\"t2g_97\">Loss allowances / Impairment and provisions </span><span class=\"S1A33 SB S2\" id=\"t2h_97\">210,458 </span><span class=\"S1A34 SB S2\" id=\"t2i_97\">47,645 </span><span class=\"SFA4 SB S2\" id=\"t3_98\">NOTE 32: </span><span class=\"S584 SB S2\" id=\"t4_98\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) </span><span class=\"S1A35 SB S2\" id=\"t5_98\">Income from fees and commissions </span><span class=\"S19E2 SB S2\" id=\"t6_98\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_98\">2021 </span><span class=\"S1A36 SB S2\" id=\"t8_98\">Fees and commissions related to lending </span><span class=\"S1A37 S10A6 S2\" id=\"t9_98\">1 </span><span class=\"S1A38 SB S2\" id=\"ta_98\">43,179 </span><span class=\"S1A39 SB S2\" id=\"tb_98\">36,999 </span><span class=\"S1A3A SA7 S2\" id=\"tc_98\">Deposit and account maintenance </span><span class=\"S1A3B SA7 S2\" id=\"td_98\">fees and commissions </span><span class=\"S198B SA7 S2\" id=\"te_98\">251,684 </span><span class=\"S1A3C SA7 S2\" id=\"tf_98\">203,553 </span><span class=\"S1A3D SA7 S2\" id=\"tg_98\">Fees and commissions related to </span><span class=\"S1A3E SA7 S2\" id=\"th_98\">the issued bank cards </span><span class=\"S1A3F SA7 S2\" id=\"ti_98\">136,341 </span><span class=\"S1A40 SA7 S2\" id=\"tj_98\">99,766 </span><span class=\"S1A41 SA7 S2\" id=\"tk_98\">Currency exchange gains and losses </span><span class=\"S1A42 SA7 S2\" id=\"tl_98\">113,494 </span><span class=\"S14DE SA7 S2\" id=\"tm_98\">47,843 </span><span class=\"S1A43 SA7 S2\" id=\"tn_98\">Fees related to cash withdrawal </span><span class=\"S1A44 SA7 S2\" id=\"to_98\">61,738 </span><span class=\"S1A45 SA7 S2\" id=\"tp_98\">46,143 </span><span class=\"S1A46 SA7 S2\" id=\"tq_98\">Fees and commissions related </span><span class=\"S1A47 SA7 S2\" id=\"tr_98\">to security trading </span><span class=\"S1998 SA7 S2\" id=\"ts_98\">32,172 </span><span class=\"S1A48 SA7 S2\" id=\"tt_98\">30,224 </span><span class=\"S1A49 SA7 S2\" id=\"tu_98\">Fees and commissions related to fund management </span><span class=\"S1A4A SA7 S2\" id=\"tv_98\">29,906 </span><span class=\"S1A4B SA7 S2\" id=\"tw_98\">23,553 </span><span class=\"S1A4C SA7 S2\" id=\"tx_98\">Insurance fee income </span><span class=\"S1A4D SA7 S2\" id=\"ty_98\">19,588 </span><span class=\"S1A4E SA7 S2\" id=\"tz_98\">16,974 </span><span class=\"S1A4F SA7 S2\" id=\"t10_98\">Other </span><span class=\"S14E8 SA7 S2\" id=\"t11_98\">51,474 </span><span class=\"S14E9 SA7 S2\" id=\"t12_98\">49,058 </span><span class=\"S1A50 SB S2\" id=\"t13_98\">Fees and commissions from contracts with customers </span><span class=\"S1A51 SB S2\" id=\"t14_98\">696,397 </span><span class=\"S1A52 SB S2\" id=\"t15_98\">517,114 </span><span class=\"S1A53 SB S2\" id=\"t16_98\">Total </span><span class=\"S1A54 SB S2\" id=\"t17_98\">739,576 </span><span class=\"S1A55 SB S2\" id=\"t18_98\">554,113 </span><span class=\"S1A56 S482 S2\" id=\"t19_98\">1 </span><span class=\"S1A57 S1A84 S2\" id=\"t1a_98\">Such kinds of fees and commissions related to lending which aren\u2019t included in the effective interest rate calculation due to </span><span class=\"S1A58 S483 S2\" id=\"t1b_98\">their nature. </span><span class=\"S1A59 SB S2\" id=\"t1c_98\">Fee type </span><span class=\"S1A5A SB S2\" id=\"t1d_98\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A5B SB S2\" id=\"t1e_98\">payment terms </span><span class=\"S1A5C SB S2\" id=\"t1f_98\">Revenue recognition </span><span class=\"S1A5D SB S2\" id=\"t1g_98\">under IFRS 15 </span><span class=\"S1A5E SA7 S2\" id=\"t1h_98\">Deposit and </span><span class=\"S1A5F SA7 S2\" id=\"t1i_98\">account </span><span class=\"S1A60 SA7 S2\" id=\"t1j_98\">maintenance </span><span class=\"S1A61 SA7 S2\" id=\"t1k_98\">fees and </span><span class=\"S1A62 SA7 S2\" id=\"t1l_98\">commissions </span><span class=\"S1A63 SA7 S2\" id=\"t1m_98\">and fees </span><span class=\"S1A64 SA7 S2\" id=\"t1n_98\">related to cash </span><span class=\"S1A65 SA7 S2\" id=\"t1o_98\">withdrawal </span><span class=\"S1A66 SA7 S2\" id=\"t1p_98\">The Group provides a number of account management services for </span><span class=\"S1A67 SA7 S2\" id=\"t1q_98\">both retail and corporate customers in which they charge a fee. Fees </span><span class=\"S1A68 SA7 S2\" id=\"t1r_98\">related to these services can be typically account transaction fees </span><span class=\"S1A69 SA7 S2\" id=\"t1s_98\">(money transfer fees, direct debit fees, money standing order fees, </span><span class=\"S1A6A SA7 S2\" id=\"t1t_98\">etc.), internet banking fees (e.g. OTP Direct fee), account control fees </span><span class=\"S1A6B SA7 S2\" id=\"t1u_98\">(e.g. sms fee), or other fees for occasional services (account statement </span><span class=\"S1A6C SA7 S2\" id=\"t1v_98\">fees, other administration fees, etc.). </span><span class=\"S1A6D SA7 S2\" id=\"t1w_98\">Fees for ongoing account </span><span class=\"S1A6E SA7 S2\" id=\"t1x_98\">management services are </span><span class=\"S1A6F SA7 S2\" id=\"t1y_98\">charged on a monthly </span><span class=\"S1A70 SA7 S2\" id=\"t1z_98\">basis during the period </span><span class=\"S1A71 SA7 S2\" id=\"t20_98\">when they are provided. </span><span class=\"S1A72 SA7 S2\" id=\"t21_98\">Transaction-based </span><span class=\"S1A73 SA7 S2\" id=\"t22_98\">fees </span><span class=\"S1A74 SA7 S2\" id=\"t23_98\">are charged when the </span><span class=\"S1A75 SA7 S2\" id=\"t24_98\">transaction takes place or </span><span class=\"S1A76 SA7 S2\" id=\"t25_98\">charged monthly at the </span><span class=\"S1A77 SA7 S2\" id=\"t26_98\">end of the month. </span><span class=\"S1A78 SA7 S2\" id=\"t27_98\">Fees for ongoing account management services are charged to the </span><span class=\"S1A79 S5B9 S2\" id=\"t28_98\">customer\u2019s account on a monthly basis. The fees are commonly fixed </span><span class=\"S1A7A SA7 S2\" id=\"t29_98\">amounts that can be vary per account package and customer category. </span><span class=\"S1A7B SA7 S2\" id=\"t2a_98\">In the case of the transaction-based fees where the services include </span><span class=\"S1A7C SA7 S2\" id=\"t2b_98\">money transfer the fee is charged when the transaction takes place. The </span><span class=\"S1A7D SA7 S2\" id=\"t2c_98\">rate of the fee is typically determined in a certain % of the transaction </span><span class=\"S1A7E SA7 S2\" id=\"t2d_98\">amount. In the case of other transaction-based fees (e.g. SMS fee), the </span><span class=\"S1A7F SA7 S2\" id=\"t2e_98\">fee is settled monthly. </span><span class=\"S1A80 SA7 S2\" id=\"t2f_98\">In the case of occasional services, the Group basically charges the fees </span><span class=\"S1A81 SA7 S2\" id=\"t2g_98\">when the services are used by the customer. The fees can be fixed fees </span><span class=\"S1A82 SA7 S2\" id=\"t2h_98\">or they can be set in %. </span><span class=\"S1A83 SA7 S2\" id=\"t2i_98\">The rates are reviewed by the Group regularly. </span><span class=\"SFA4 SB S2\" id=\"t3_99\">NOTE 32: </span><span class=\"S1A85 SB S2\" id=\"t4_99\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) [continued] </span><span class=\"S1A86 SB S2\" id=\"t5_99\">Fee type </span><span class=\"S1A87 SB S2\" id=\"t6_99\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A88 SB S2\" id=\"t7_99\">payment terms </span><span class=\"S1A89 SB S2\" id=\"t8_99\">Revenue recognition </span><span class=\"S1A8A SB S2\" id=\"t9_99\">under IFRS 15 </span><span class=\"S1A8B SA7 S2\" id=\"ta_99\">Fees and </span><span class=\"S1A8C SA7 S2\" id=\"tb_99\">commission </span><span class=\"S1A8D SA7 S2\" id=\"tc_99\">related to the </span><span class=\"S1A8E SA7 S2\" id=\"td_99\">issued bank </span><span class=\"S1A8F SA7 S2\" id=\"te_99\">cards </span><span class=\"S1A90 SA7 S2\" id=\"tf_99\">The Group provides a variety of bank cards to its customers, for which </span><span class=\"S1A91 SA7 S2\" id=\"tg_99\">different fees are charged. The fees are basically charged in connection </span><span class=\"S1A92 SA7 S2\" id=\"th_99\">with the issuance of cards and the related card transactions. </span><span class=\"S1A93 SA7 S2\" id=\"ti_99\">Fees for ongoing services </span><span class=\"S1A94 SA7 S2\" id=\"tj_99\">are charged on a monthly </span><span class=\"S1A95 SA7 S2\" id=\"tk_99\">basis during the period </span><span class=\"S1A96 SA7 S2\" id=\"tl_99\">when they are provided. </span><span class=\"S1A97 SA7 S2\" id=\"tm_99\">Transaction-based </span><span class=\"S1A98 SA7 S2\" id=\"tn_99\">fees </span><span class=\"S1A99 SA7 S2\" id=\"to_99\">are charged when the </span><span class=\"S1A9A SA7 S2\" id=\"tp_99\">transaction takes place or </span><span class=\"S1A9B SA7 S2\" id=\"tq_99\">charged monthly at the </span><span class=\"S1A9C SA7 S2\" id=\"tr_99\">end of the month. </span><span class=\"S1A9D SA7 S2\" id=\"ts_99\">The annual fees of the cards are charged in advance in a fixed amount. </span><span class=\"S1A9E SA7 S2\" id=\"tt_99\">The amount of the annual card fee depends on the type of card. </span><span class=\"S1A9F SA7 S2\" id=\"tu_99\">In case of transaction-based fees (e.g. cash withdrawal/payment fee, </span><span class=\"S1AA0 SA7 S2\" id=\"tv_99\">merchant fee, interchange fee, etc.), the settlement of the fees will take </span><span class=\"S1AA1 SA7 S2\" id=\"tw_99\">place immediately after the transaction or on a monthly basis. The fee </span><span class=\"S1AA2 SA7 S2\" id=\"tx_99\">is typically determined in % of the transaction with a fixed minimum </span><span class=\"S1AA3 SA7 S2\" id=\"ty_99\">amount. </span><span class=\"S1AA4 SA7 S2\" id=\"tz_99\">For all other cases where the Group provides a continuous service to </span><span class=\"S1AA5 SA7 S2\" id=\"t10_99\">the customers (e.g. card closing fee), the fees are charged monthly. The </span><span class=\"S1AA6 SA7 S2\" id=\"t11_99\">fee is calculated in a fix amount. </span><span class=\"S1AA7 SA7 S2\" id=\"t12_99\">The rates are reviewed by the Group regularly. </span><span class=\"S1AA8 SA7 S2\" id=\"t13_99\">Fees and </span><span class=\"S1AA9 SA7 S2\" id=\"t14_99\">commissions </span><span class=\"S1AAA SA7 S2\" id=\"t15_99\">related to </span><span class=\"S1AAB SA7 S2\" id=\"t16_99\">security </span><span class=\"S1AAC SA7 S2\" id=\"t17_99\">account </span><span class=\"S1AAD SA7 S2\" id=\"t18_99\">management </span><span class=\"S1AAE SA7 S2\" id=\"t19_99\">services </span><span class=\"S1AAF SA7 S2\" id=\"t1a_99\">The Group provides its clients security account management services. </span><span class=\"S1AB0 SA7 S2\" id=\"t1b_99\">Fees will be charged for account management and transactions on </span><span class=\"S1AB1 SA7 S2\" id=\"t1c_99\">accounts. </span><span class=\"S1AB2 SA7 S2\" id=\"t1d_99\">Fees for ongoing services </span><span class=\"S1AB3 SA7 S2\" id=\"t1e_99\">are charged quarterly or </span><span class=\"S1AB4 SA7 S2\" id=\"t1f_99\">annually during the period </span><span class=\"S1AB5 SA7 S2\" id=\"t1g_99\">when they are provided. </span><span class=\"S1AB6 SA7 S2\" id=\"t1h_99\">The </span><span class=\"S1AB7 SA7 S2\" id=\"t1i_99\">fees </span><span class=\"S1AB8 SA7 S2\" id=\"t1j_99\">are </span><span class=\"S1AB9 SA7 S2\" id=\"t1k_99\">accrued </span><span class=\"S1ABA SA7 S2\" id=\"t1l_99\">monthly. </span><span class=\"S1ABB SA7 S2\" id=\"t1m_99\">Transaction-based </span><span class=\"S1ABC SA7 S2\" id=\"t1n_99\">fees </span><span class=\"S1ABD SA7 S2\" id=\"t1o_99\">are charged when the </span><span class=\"S1ABE SA7 S2\" id=\"t1p_99\">transaction takes place. </span><span class=\"S1ABF SA7 S2\" id=\"t1q_99\">Account management fees are typically charged quarterly or annually. </span><span class=\"S1AC0 SA7 S2\" id=\"t1r_99\">The amount is determined in %, based on the stocks of securities </span><span class=\"S1AC1 SA7 S2\" id=\"t1s_99\">managed by the clients on the account in a given period. </span><span class=\"S1AC2 SA7 S2\" id=\"t1t_99\">Fees for transactions on the securities account are charged immediately </span><span class=\"S1AC3 SA7 S2\" id=\"t1u_99\">after the transaction. They are determined in %, based on the </span><span class=\"S1AC4 SA7 S2\" id=\"t1v_99\">transaction amount. </span><span class=\"S1AC5 SA7 S2\" id=\"t1w_99\">Fees for complex services provided to clients (e.g. portfolio </span><span class=\"S1AC6 SA7 S2\" id=\"t1x_99\">management or custody) are typically charged monthly or annually. </span><span class=\"S1AC7 SA7 S2\" id=\"t1y_99\">The fees are fixed monthly amounts and in some cases a bonus fee are </span><span class=\"S1AC8 SA7 S2\" id=\"t1z_99\">charged. </span><span class=\"S1AC9 SA7 S2\" id=\"t20_99\">Fees and </span><span class=\"S1ACA SA7 S2\" id=\"t21_99\">commissions </span><span class=\"S1ACB SA7 S2\" id=\"t22_99\">related to fund </span><span class=\"S1ACC SA7 S2\" id=\"t23_99\">management </span><span class=\"S1ACD SA7 S2\" id=\"t24_99\">Fees from fund management services provided to investment funds </span><span class=\"S1ACE SA7 S2\" id=\"t25_99\">and from portfolio management provided to insurance companies, </span><span class=\"S1ACF SA7 S2\" id=\"t26_99\">funds. The fee income are calculated on the basis of net asset value of </span><span class=\"S1AD0 SA7 S2\" id=\"t27_99\">the portfolio and by the fee rates determined in the contracts about </span><span class=\"S1AD1 SA7 S2\" id=\"t28_99\">portfolio management. </span><span class=\"S1AD2 SA7 S2\" id=\"t29_99\">Fees for ongoing services </span><span class=\"S1AD3 SA7 S2\" id=\"t2a_99\">are charged usually on </span><span class=\"S1AD4 SA7 S2\" id=\"t2b_99\">monthly (mutual funds) or </span><span class=\"S1AD5 SA7 S2\" id=\"t2c_99\">semi-annually </span><span class=\"S1AD6 SA7 S2\" id=\"t2d_99\">(venture </span><span class=\"S1AD7 SA7 S2\" id=\"t2e_99\">capital funds) during the </span><span class=\"S1AD8 SA7 S2\" id=\"t2f_99\">period </span><span class=\"S1AD9 SA7 S2\" id=\"t2g_99\">when </span><span class=\"S1ADA SA7 S2\" id=\"t2h_99\">they </span><span class=\"S1ADB SA7 S2\" id=\"t2i_99\">are </span><span class=\"S1ADC SA7 S2\" id=\"t2j_99\">provided </span><span class=\"S1ADD SA7 S2\" id=\"t2k_99\">but </span><span class=\"S1ADE SA7 S2\" id=\"t2l_99\">accrued </span><span class=\"S1ADF SA7 S2\" id=\"t2m_99\">monthly. </span><span class=\"S1AE0 SA7 S2\" id=\"t2n_99\">Net insurance </span><span class=\"S1AE1 SA7 S2\" id=\"t2o_99\">fee income </span><span class=\"S1AE2 SA7 S2\" id=\"t2p_99\">Due to the fact that the Group rarely provides insurance services to its </span><span class=\"S1AE3 SA7 S2\" id=\"t2q_99\">clients, only acts as an agent, the fee income charged to the customers </span><span class=\"S1AE4 SA7 S2\" id=\"t2r_99\">and fees payable to the insurance company are presented net in the fee </span><span class=\"S1AE5 SA7 S2\" id=\"t2s_99\">income. </span><span class=\"S1AE6 SA7 S2\" id=\"t2t_99\">In addition, agency fee charged for the sale of insurance contracts is </span><span class=\"S1AE7 SA7 S2\" id=\"t2u_99\">also recorded in this line. The fee is charged on a monthly basis and </span><span class=\"S1AE8 SA7 S2\" id=\"t2v_99\">determined in %. </span><span class=\"S1AE9 SA7 S2\" id=\"t2w_99\">Fees for ongoing services </span><span class=\"S1AEA SA7 S2\" id=\"t2x_99\">are charged on a monthly </span><span class=\"S1AEB SA7 S2\" id=\"t2y_99\">basis during the period </span><span class=\"S1AEC SA7 S2\" id=\"t2z_99\">when they are provided. </span><span class=\"S1AED SA7 S2\" id=\"t30_99\">Other </span><span class=\"S1AEE SA7 S2\" id=\"t31_99\">Fees that are not significant in the Group total income are included in </span><span class=\"S1AEF SA7 S2\" id=\"t32_99\">Other fees category. Such fees are safe lease, special procedure fee, </span><span class=\"S1AF0 SA7 S2\" id=\"t33_99\">account rent fee, fee of a copy of document, etc. </span><span class=\"S1AF1 SA7 S2\" id=\"t34_99\">Other fees may include charges for continuous services or for ad hoc </span><span class=\"S1AF2 SA7 S2\" id=\"t35_99\">administration services. Continuous fees are charged monthly (e.g., </span><span class=\"S1AF3 SA7 S2\" id=\"t36_99\">safe lease fees) at the beginning of the period, typically at a fixed rate. </span><span class=\"S1AF4 SA7 S2\" id=\"t37_99\">Fees for ad hoc services are charged immediately after the service </span><span class=\"S1AF5 SA7 S2\" id=\"t38_99\">obligation were met, usually in a fixed amount. </span><span class=\"S1AF6 SA7 S2\" id=\"t39_99\">Fees for ongoing services </span><span class=\"S1AF7 SA7 S2\" id=\"t3a_99\">are charged on a monthly </span><span class=\"S1AF8 SA7 S2\" id=\"t3b_99\">basis during the period </span><span class=\"S1AF9 SA7 S2\" id=\"t3c_99\">when they are provided. </span><span class=\"S1AFA SA7 S2\" id=\"t3d_99\">Fees for ad hoc services </span><span class=\"S1AFB SA7 S2\" id=\"t3e_99\">are charged when the </span><span class=\"S1AFC SA7 S2\" id=\"t3f_99\">transaction takes place. </span><span class=\"SFA4 SB S2\" id=\"t3_100\">NOTE 32: </span><span class=\"SE8C SB S2\" id=\"t4_100\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) [continued] </span><span class=\"S1AFE SB S2\" id=\"t5_100\">Expense from fees and commissions </span><span class=\"S19E2 SB S2\" id=\"t6_100\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_100\">2021 </span><span class=\"S1AFF SA7 S2\" id=\"t8_100\">Fees and commissions related to issued bank cards </span><span class=\"S1B00 SA7 S2\" id=\"t9_100\">56,190 </span><span class=\"S1B01 SA7 S2\" id=\"ta_100\">42,662 </span><span class=\"S1B02 SA7 S2\" id=\"tb_100\">Interchange fees </span><span class=\"S1B03 SA7 S2\" id=\"tc_100\">30,470 </span><span class=\"S19ED SA7 S2\" id=\"td_100\">22,831 </span><span class=\"S1B04 SA7 S2\" id=\"te_100\">Fees and commissions paid on loans </span><span class=\"S1B05 SA7 S2\" id=\"tf_100\">9,164 </span><span class=\"S1B06 SA7 S2\" id=\"tg_100\">9,502 </span><span class=\"S1B07 SA7 S2\" id=\"th_100\">Fees and commissions related to deposits </span><span class=\"S1B08 SA7 S2\" id=\"ti_100\">9,834 </span><span class=\"S1B09 SA7 S2\" id=\"tj_100\">8,438 </span><span class=\"S1B0A SA7 S2\" id=\"tk_100\">Cash withdrawal transaction fees </span><span class=\"S1B0B SA7 S2\" id=\"tl_100\">5,292 </span><span class=\"S1B0C SA7 S2\" id=\"tm_100\">4,063 </span><span class=\"S1B0D SA7 S2\" id=\"tn_100\">Fees and commissions related to security trading </span><span class=\"S1B0E SA7 S2\" id=\"to_100\">4,263 </span><span class=\"S1B0F SA7 S2\" id=\"tp_100\">3,730 </span><span class=\"S1930 SA7 S2\" id=\"tq_100\">Insurance fees </span><span class=\"S1B10 SA7 S2\" id=\"tr_100\">1,578 </span><span class=\"S1B11 SA7 S2\" id=\"ts_100\">1,413 </span><span class=\"S1B12 SA7 S2\" id=\"tt_100\">Fees and commissions related to collection of loans </span><span class=\"S1B13 SA7 S2\" id=\"tu_100\">985 </span><span class=\"S1B14 SA7 S2\" id=\"tv_100\">830 </span><span class=\"S1B15 SA7 S2\" id=\"tw_100\">Postal fees </span><span class=\"S1B16 SA7 S2\" id=\"tx_100\">576 </span><span class=\"S1B17 SA7 S2\" id=\"ty_100\">590 </span><span class=\"S1B18 SA7 S2\" id=\"tz_100\">Money market transaction fees and commissions </span><span class=\"S1B19 SA7 S2\" id=\"t10_100\">333 </span><span class=\"S1B1A SA7 S2\" id=\"t11_100\">281 </span><span class=\"S1B1B SA7 S2\" id=\"t12_100\">Other agent fee </span><span class=\"S1B1C SA7 S2\" id=\"t13_100\">1,912 </span><span class=\"S1B1D SA7 S2\" id=\"t14_100\">1,335 </span><span class=\"S1A4F SA7 S2\" id=\"t15_100\">Other </span><span class=\"S14E8 SA7 S2\" id=\"t16_100\">18,619 </span><span class=\"S14E9 SA7 S2\" id=\"t17_100\">16,264 </span><span class=\"S1B1E SB S2\" id=\"t18_100\">Total </span><span class=\"S1A51 SB S2\" id=\"t19_100\">139,216 </span><span class=\"S1A52 SB S2\" id=\"t1a_100\">111,939 </span><span class=\"S1B1F SB S2\" id=\"t1b_100\">Net profit from fees and commissions </span><span class=\"S1A54 SB S2\" id=\"t1c_100\">600,360 </span><span class=\"S1A55 SB S2\" id=\"t1d_100\">442,174 </span><span class=\"SFA4 SB S2\" id=\"t3_101\">NOTE 33: </span><span class=\"SDB9 SB S2\" id=\"t4_101\">GAIN AND LOSSES BY TRANSACTIONS (in HUF mn) </span><span class=\"S1B20 SB S2\" id=\"t5_101\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_101\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_101\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_101\">Gain by transactions </span><span class=\"S1B22 SA7 S2\" id=\"t9_101\">7,173 </span><span class=\"S1B23 SA7 S2\" id=\"ta_101\">5,662 </span><span class=\"S1B24 SA7 S2\" id=\"tb_101\">Loss by transactions </span><span class=\"S1B25 SA7 S2\" id=\"tc_101\">(3,700) </span><span class=\"S1B26 SA7 S2\" id=\"td_101\">(4,808) </span><span class=\"S1B27 SB S2\" id=\"te_101\">Gain from sale of loans, placements, finance lease </span><span class=\"S19EC SB S2\" id=\"tf_101\">3,473 </span><span class=\"S1B28 SB S2\" id=\"tg_101\">854 </span><span class=\"S1B29 SA7 S2\" id=\"th_101\">Gain by transactions </span><span class=\"S1B2A SA7 S2\" id=\"ti_101\">41 </span><span class=\"S1B06 SA7 S2\" id=\"tj_101\">3,552 </span><span class=\"S1B2B SA7 S2\" id=\"tk_101\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_101\">(5,169) </span><span class=\"S19F3 SA7 S2\" id=\"tm_101\">(2,521) </span><span class=\"S1B2C SB S2\" id=\"tn_101\">(Loss) / Gain from derecognition of securities </span><span class=\"S1B2D SB S2\" id=\"to_101\">and other receivables at amortized cost </span><span class=\"S19F8 SB S2\" id=\"tp_101\">(5,128) </span><span class=\"S1B0F SB S2\" id=\"tq_101\">1,031 </span><span class=\"S1B2E SB S2\" id=\"tr_101\">(Loss) / Gain from derecognition of financial </span><span class=\"S1B2F SB S2\" id=\"ts_101\">assets at amortized cost </span><span class=\"S1B30 SB S2\" id=\"tt_101\">(1,655) </span><span class=\"S1B31 SB S2\" id=\"tu_101\">1,885 </span><span class=\"S1B32 SA7 S2\" id=\"tv_101\">Foreign exchange result consists of revaluation difference from converting assets and liabilities in foreign </span><span class=\"S1B33 SA7 S2\" id=\"tw_101\">currencies into the presentation currency of the consolidation financial statements. </span><span class=\"S1B34 SB S2\" id=\"tx_101\">Gains and losses by transactions </span><span class=\"S1B35 SB S2\" id=\"ty_101\">2022 </span><span class=\"S1B36 SB S2\" id=\"tz_101\">2021 </span><span class=\"S1B37 SA7 S2\" id=\"t10_101\">Gain by transactions </span><span class=\"S1B38 SA7 S2\" id=\"t11_101\">16,494 </span><span class=\"S1B39 SA7 S2\" id=\"t12_101\">9,553 </span><span class=\"S1B3A SA7 S2\" id=\"t13_101\">Loss by transactions </span><span class=\"S1B3B SA7 S2\" id=\"t14_101\">(19,645) </span><span class=\"S1B3C SA7 S2\" id=\"t15_101\">(4,537) </span><span class=\"S1B3D SB S2\" id=\"t16_101\">Fx (loss) / gain on securities at fair value through profit or loss </span><span class=\"S1B3E SB S2\" id=\"t17_101\">(3,151) </span><span class=\"S1B3F SB S2\" id=\"t18_101\">5,016 </span><span class=\"S1B40 SA7 S2\" id=\"t19_101\">Gain by transactions </span><span class=\"S1B41 SA7 S2\" id=\"t1a_101\">- </span><span class=\"S1B42 SA7 S2\" id=\"t1b_101\">2,405 </span><span class=\"S1B43 SA7 S2\" id=\"t1c_101\">Loss by transactions </span><span class=\"S1B44 SA7 S2\" id=\"t1d_101\">(323) </span><span class=\"S1B45 SA7 S2\" id=\"t1e_101\">(1,889) </span><span class=\"S1B46 SB S2\" id=\"t1f_101\">Fx (loss) / gain on derecognition of investment </span><span class=\"S1B47 SB S2\" id=\"t1g_101\">in subsidiaries, associates </span><span class=\"S1B48 SB S2\" id=\"t1h_101\">(323) </span><span class=\"S1B49 SB S2\" id=\"t1i_101\">516 </span><span class=\"S1B4A SA7 S2\" id=\"t1j_101\">Gain by transactions </span><span class=\"S1B4B SA7 S2\" id=\"t1k_101\">4,502 </span><span class=\"S1B4C SA7 S2\" id=\"t1l_101\">10,505 </span><span class=\"S1B4D SA7 S2\" id=\"t1m_101\">Loss by transactions </span><span class=\"S1B4E SA7 S2\" id=\"t1n_101\">(5,516) </span><span class=\"S1B4F SA7 S2\" id=\"t1o_101\">(13,092) </span><span class=\"S1B50 SB S2\" id=\"t1p_101\">Fx loss on securities at fair value </span><span class=\"S1B51 SB S2\" id=\"t1q_101\">through other comprehensive income </span><span class=\"S1B52 SB S2\" id=\"t1r_101\">(1,014) </span><span class=\"S1B53 SB S2\" id=\"t1s_101\">(2,587) </span><span class=\"S1B54 SA7 S2\" id=\"t1t_101\">Gain by transactions </span><span class=\"S1B55 SA7 S2\" id=\"t1u_101\">- </span><span class=\"S1B56 SA7 S2\" id=\"t1v_101\">2,847 </span><span class=\"S1B57 SA7 S2\" id=\"t1w_101\">Loss by transactions </span><span class=\"S1B58 SA7 S2\" id=\"t1x_101\">- </span><span class=\"S1B59 SA7 S2\" id=\"t1y_101\">(232) </span><span class=\"S1B5A SB S2\" id=\"t1z_101\">Fx gain on other securities </span><span class=\"S1B5B SB S2\" id=\"t20_101\">- </span><span class=\"S1B5C SB S2\" id=\"t21_101\">2,615 </span><span class=\"S1B5D SB S2\" id=\"t22_101\">(Loss) / Gain on securities, net </span><span class=\"S1B5E SB S2\" id=\"t23_101\">(4,488) </span><span class=\"S1B5F SB S2\" id=\"t24_101\">5,560 </span><span class=\"S1B60 SB S2\" id=\"t25_101\">Gains and losses by transactions </span><span class=\"S1B61 SB S2\" id=\"t26_101\">2022 </span><span class=\"S1B62 SB S2\" id=\"t27_101\">2021 </span><span class=\"S1B63 SA7 S2\" id=\"t28_101\">Gain by transactions </span><span class=\"S1B64 SA7 S2\" id=\"t29_101\">4,247 </span><span class=\"S1B65 SA7 S2\" id=\"t2a_101\">5,835 </span><span class=\"S1B66 SA7 S2\" id=\"t2b_101\">Loss by transactions </span><span class=\"S1B67 SA7 S2\" id=\"t2c_101\">(4,102) </span><span class=\"S1B68 SA7 S2\" id=\"t2d_101\">(1,023) </span><span class=\"S1B69 SB S2\" id=\"t2e_101\">Gain on non-trading securities mandatorily </span><span class=\"S1B6A SB S2\" id=\"t2f_101\">at fair value through profit or loss </span><span class=\"S1B6B SB S2\" id=\"t2g_101\">145 </span><span class=\"S1B6C SB S2\" id=\"t2h_101\">4,812 </span><span class=\"S1B6D SA7 S2\" id=\"t2i_101\">Gain by transactions </span><span class=\"S1B6E SA7 S2\" id=\"t2j_101\">50,693 </span><span class=\"S1B6F SA7 S2\" id=\"t2k_101\">36,591 </span><span class=\"S1B70 SA7 S2\" id=\"t2l_101\">Loss by transactions </span><span class=\"S1B71 SA7 S2\" id=\"t2m_101\">(60,234) </span><span class=\"S1B72 SA7 S2\" id=\"t2n_101\">(44,346) </span><span class=\"S1B73 SB S2\" id=\"t2o_101\">Loss on loans mandatorily at fair value through profit </span><span class=\"S1B74 SB S2\" id=\"t2p_101\">or loss (adjustment resulting from change in market factors) </span><span class=\"S1B75 SB S2\" id=\"t2q_101\">(9,541) </span><span class=\"S1B76 SB S2\" id=\"t2r_101\">(7,755) </span><span class=\"S1B77 SA7 S2\" id=\"t2s_101\">Gain by transactions </span><span class=\"S1B78 SA7 S2\" id=\"t2t_101\">7,809 </span><span class=\"S1B79 SA7 S2\" id=\"t2u_101\">2,868 </span><span class=\"S1B7A SA7 S2\" id=\"t2v_101\">Loss by transactions </span><span class=\"S1B7B SA7 S2\" id=\"t2w_101\">(2,577) </span><span class=\"S1B7C SA7 S2\" id=\"t2x_101\">(457) </span><span class=\"S1B7D SB S2\" id=\"t2y_101\">Gain on financial assets and liabilities </span><span class=\"S1B7E SB S2\" id=\"t2z_101\">designated at fair value through profit or loss </span><span class=\"S1B7F SB S2\" id=\"t30_101\">5,232 </span><span class=\"S1B80 SB S2\" id=\"t31_101\">2,411 </span><span class=\"S1B81 SB S2\" id=\"t32_101\">Fair value adjustment on financial instruments measured </span><span class=\"S1B82 SB S2\" id=\"t33_101\">at fair value through profit or loss </span><span class=\"S1B83 SB S2\" id=\"t34_101\">(4,164) </span><span class=\"S1B84 SB S2\" id=\"t35_101\">(532) </span><span class=\"SFA4 SB S2\" id=\"t3_102\">NOTE 33: </span><span class=\"S1B85 SB S2\" id=\"t4_102\">GAINS AND LOSSES (in HUF mn) [continued] </span><span class=\"S1B20 SB S2\" id=\"t5_102\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_102\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_102\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_102\">Gain by transactions </span><span class=\"S19E6 SA7 S2\" id=\"t9_102\">147,311 </span><span class=\"S1A39 SA7 S2\" id=\"ta_102\">74,582 </span><span class=\"S1B24 SA7 S2\" id=\"tb_102\">Loss by transactions </span><span class=\"S19E9 SA7 S2\" id=\"tc_102\">(150,804) </span><span class=\"S1B86 SA7 S2\" id=\"td_102\">(64,034) </span><span class=\"S1B87 SB S2\" id=\"te_102\">(Loss) / Gain from fx swap, swap and option deals </span><span class=\"S1B88 SB S2\" id=\"tf_102\">(3,493) </span><span class=\"S19ED SB S2\" id=\"tg_102\">10,548 </span><span class=\"S1B89 SA7 S2\" id=\"th_102\">Gain by transactions </span><span class=\"S1B05 SA7 S2\" id=\"ti_102\">4,156 </span><span class=\"S1B06 SA7 S2\" id=\"tj_102\">2,684 </span><span class=\"S1B8A SA7 S2\" id=\"tk_102\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_102\">(5,082) </span><span class=\"S19F3 SA7 S2\" id=\"tm_102\">(3,005) </span><span class=\"S1B8B SB S2\" id=\"tn_102\">Loss from option deals </span><span class=\"S1B8C SB S2\" id=\"to_102\">(926) </span><span class=\"S1B8D SB S2\" id=\"tp_102\">(321) </span><span class=\"S1B8E SA7 S2\" id=\"tq_102\">Gain by transactions </span><span class=\"S1A42 SA7 S2\" id=\"tr_102\">148,699 </span><span class=\"S14DE SA7 S2\" id=\"ts_102\">94,639 </span><span class=\"S1B8F SA7 S2\" id=\"tt_102\">Loss by transactions </span><span class=\"S1B90 SA7 S2\" id=\"tu_102\">(132,968) </span><span class=\"S1B91 SA7 S2\" id=\"tv_102\">(95,794) </span><span class=\"S1B92 SB S2\" id=\"tw_102\">Gain / (Loss) from commodities deals </span><span class=\"S1B93 SB S2\" id=\"tx_102\">15,731 </span><span class=\"S1B94 SB S2\" id=\"ty_102\">(1,155) </span><span class=\"S1B95 SA7 S2\" id=\"tz_102\">Gain by transactions </span><span class=\"S1B16 SA7 S2\" id=\"t10_102\">752 </span><span class=\"S1B17 SA7 S2\" id=\"t11_102\">745 </span><span class=\"S1B96 SA7 S2\" id=\"t12_102\">Loss by transactions </span><span class=\"S1B97 SA7 S2\" id=\"t13_102\">(1,506) </span><span class=\"S1B98 SA7 S2\" id=\"t14_102\">(3,019) </span><span class=\"S1B99 SB S2\" id=\"t15_102\">Loss from futures deals </span><span class=\"S1B9A SB S2\" id=\"t16_102\">(754) </span><span class=\"S1B9B SB S2\" id=\"t17_102\">(2,274) </span><span class=\"S1B9C SB S2\" id=\"t18_102\">Net results on derivative instruments and hedge relationships </span><span class=\"S14E8 SB S2\" id=\"t19_102\">10,558 </span><span class=\"S1B9D SB S2\" id=\"t1a_102\">6,798 </span><span class=\"S1B9E SA7 S2\" id=\"t1b_102\">Gains and losses attributable to the hedged risk on the hedged item and on the hedging instruments and </span><span class=\"S1B9F SA7 S2\" id=\"t1c_102\">ineffectiveness in case of fair value hedge on amortised cost line items are as follows: </span><span class=\"S1BA0 SB S2\" id=\"t1d_102\">Fair value hedge </span><span class=\"S1BA1 SB S2\" id=\"t1e_102\">2022 </span><span class=\"S1BA2 SB S2\" id=\"t1f_102\">2021 </span><span class=\"S1BA3 SA7 S2\" id=\"t1g_102\">Hedged items </span><span class=\"S1BA4 SA7 S2\" id=\"t1h_102\">6,750 </span><span class=\"S1BA5 SA7 S2\" id=\"t1i_102\">17,406 </span><span class=\"S1BA6 SA7 S2\" id=\"t1j_102\">Hedging instrument </span><span class=\"S1BA7 SA7 S2\" id=\"t1k_102\">(9,352) </span><span class=\"S1BA8 SA7 S2\" id=\"t1l_102\">(15,147) </span><span class=\"S1BA9 SA7 S2\" id=\"t1m_102\">Hedge effectiveness </span><span class=\"S1BAA SA7 S2\" id=\"t1n_102\">(2,602) </span><span class=\"S1BAB SA7 S2\" id=\"t1o_102\">2,259 </span><span class=\"SFA4 SB S2\" id=\"t3_103\">NOTE 34: </span><span class=\"S1BAC SB S2\" id=\"t4_103\">OTHER OPERATING INCOME AND EXPENSES AND OTHER ADMINISTRATIVE </span><span class=\"S1BAD SB S2\" id=\"t5_103\">EXPENSES (in HUF mn) </span><span class=\"S1BAE SB S2\" id=\"t6_103\">Other operating income </span><span class=\"S1053 SB S2\" id=\"t7_103\">2022 </span><span class=\"S1054 SB S2\" id=\"t8_103\">2021 </span><span class=\"S1BAF SA7 S2\" id=\"t9_103\">Income from agricultural activity </span><span class=\"S17DA SA7 S2\" id=\"ta_103\">62,809 </span><span class=\"S17DB SA7 S2\" id=\"tb_103\">42,526 </span><span class=\"S1BB0 SA7 S2\" id=\"tc_103\">Income from tourism activity </span><span class=\"S1788 SA7 S2\" id=\"td_103\">23,197 </span><span class=\"S1BB1 SA7 S2\" id=\"te_103\">8,588 </span><span class=\"S1BB2 SA7 S2\" id=\"tf_103\">Gains on transactions related to property activities </span><span class=\"S178B SA7 S2\" id=\"tg_103\">5,269 </span><span class=\"S178C SA7 S2\" id=\"th_103\">6,424 </span><span class=\"S178D SA7 S2\" id=\"ti_103\">Rental income </span><span class=\"S1BB3 SA7 S2\" id=\"tj_103\">2,175 </span><span class=\"S1BB4 SA7 S2\" id=\"tk_103\">2,132 </span><span class=\"S1BB5 SA7 S2\" id=\"tl_103\">Income from computer programming </span><span class=\"S1BB6 SA7 S2\" id=\"tm_103\">1,250 </span><span class=\"S1BB7 SA7 S2\" id=\"tn_103\">1,113 </span><span class=\"S1BB8 SA7 S2\" id=\"to_103\">Fair value adjustment of biological assets and agricultural produce </span><span class=\"S1BB9 SA7 S2\" id=\"tp_103\">(1,939) </span><span class=\"S1BBA SA7 S2\" id=\"tq_103\">(2,551) </span><span class=\"S1BBB SA7 S2\" id=\"tr_103\">Income from written-of receivable </span><span class=\"S17E4 SA7 S2\" id=\"ts_103\">3,727 </span><span class=\"S1BBC SA7 S2\" id=\"tt_103\">3,577 </span><span class=\"S1BBD SA7 S2\" id=\"tu_103\">Income from air passenger transport </span><span class=\"S17E7 SA7 S2\" id=\"tv_103\">1,863 </span><span class=\"S1BBE SA7 S2\" id=\"tw_103\">762 </span><span class=\"S1BBF SA7 S2\" id=\"tx_103\">Gains on transactions related to insurance activity </span><span class=\"S1BC0 SA7 S2\" id=\"ty_103\">1,369 </span><span class=\"S1BC1 SA7 S2\" id=\"tz_103\">657 </span><span class=\"S1BC2 SA7 S2\" id=\"t10_103\">Non-repayable assets received </span><span class=\"S17EB SA7 S2\" id=\"t11_103\">447 </span><span class=\"S1BC3 SA7 S2\" id=\"t12_103\">165 </span><span class=\"S1BC4 SA7 S2\" id=\"t13_103\">Negative goodwill due to acquisition </span><span class=\"S1425 SA7 S2\" id=\"t14_103\">3,784 </span><span class=\"S1BC5 SA7 S2\" id=\"t15_103\">31 </span><span class=\"S1BC6 SA7 S2\" id=\"t16_103\">Other income from non-financial activities </span><span class=\"S1076 SA7 S2\" id=\"t17_103\">21,464 </span><span class=\"S1077 SA7 S2\" id=\"t18_103\">17,904 </span><span class=\"S1BC7 SB S2\" id=\"t19_103\">Total </span><span class=\"S1079 SB S2\" id=\"t1a_103\">125,415 </span><span class=\"S1BC8 SB S2\" id=\"t1b_103\">81,328 </span><span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span><span class=\"SFA4 SB S2\" id=\"t3_104\">NOTE 34: </span><span class=\"S1BAC SB S2\" id=\"t4_104\">OTHER OPERATING INCOME AND EXPENSES AND OTHER ADMINISTRATIVE </span><span class=\"S14CF SB S2\" id=\"t5_104\">EXPENSES (in HUF mn) [continued] </span><span class=\"S1BFD SB S2\" id=\"t6_104\">Other administrative expenses </span><span class=\"S1762 SB S2\" id=\"t7_104\">2022 </span><span class=\"S1763 SB S2\" id=\"t8_104\">2021 </span><span class=\"S1BFE SA7 S2\" id=\"t9_104\">Personnel expenses </span><span class=\"S1BFF SA7 S2\" id=\"ta_104\">Wages </span><span class=\"S1C00 SA7 S2\" id=\"tb_104\">311,231 </span><span class=\"S1C01 SA7 S2\" id=\"tc_104\">271,497 </span><span class=\"S1C02 SA7 S2\" id=\"td_104\">Taxes related to personnel expenses </span><span class=\"S1C03 SA7 S2\" id=\"te_104\">49,015 </span><span class=\"S176C SA7 S2\" id=\"tf_104\">44,049 </span><span class=\"S1C04 SA7 S2\" id=\"tg_104\">Other personnel expenses </span><span class=\"S1C05 SA7 S2\" id=\"th_104\">42,317 </span><span class=\"S1C06 SA7 S2\" id=\"ti_104\">25,138 </span><span class=\"S1C07 SB S2\" id=\"tj_104\">Subtotal </span><span class=\"S1C08 SB S2\" id=\"tk_104\">402,563 </span><span class=\"S1C09 SB S2\" id=\"tl_104\">340,684 </span><span class=\"S1C0A SB S2\" id=\"tm_104\">Depreciation, amortization of tangible, intangible assets, </span><span class=\"S1C0B SB S2\" id=\"tn_104\">right-of-use assets </span><span class=\"S1C0C S10A6 S2\" id=\"to_104\">2 </span><span class=\"S1C0D SB S2\" id=\"tp_104\">107,588 </span><span class=\"S1C0E SB S2\" id=\"tq_104\">94,996 </span><span class=\"S1C0F SB S2\" id=\"tr_104\">Other administrative expenses </span><span class=\"S1C10 SA7 S2\" id=\"ts_104\">Taxes, other than income tax </span><span class=\"S1C11 SE8B S2\" id=\"tt_104\">3 </span><span class=\"S177F SA7 S2\" id=\"tu_104\">193,587 </span><span class=\"S1A05 SA7 S2\" id=\"tv_104\">93,678 </span><span class=\"S1C12 SA7 S2\" id=\"tw_104\">Services </span><span class=\"S1C13 SA7 S2\" id=\"tx_104\">150,505 </span><span class=\"S1C14 SA7 S2\" id=\"ty_104\">113,400 </span><span class=\"S1C15 SA7 S2\" id=\"tz_104\">Professional fees </span><span class=\"S14EC SA7 S2\" id=\"t10_104\">22,932 </span><span class=\"S14ED SA7 S2\" id=\"t11_104\">21,775 </span><span class=\"S1C16 SA7 S2\" id=\"t12_104\">Fees payable to authorities and other fees </span><span class=\"S1C17 SA7 S2\" id=\"t13_104\">54,751 </span><span class=\"S1C18 SA7 S2\" id=\"t14_104\">44,113 </span><span class=\"S1C19 SA7 S2\" id=\"t15_104\">Advertising </span><span class=\"S1C1A SA7 S2\" id=\"t16_104\">20,827 </span><span class=\"S1C1B SA7 S2\" id=\"t17_104\">19,457 </span><span class=\"S1C1C SA7 S2\" id=\"t18_104\">Administration expenses </span><span class=\"S1A0C SA7 S2\" id=\"t19_104\">17,211 </span><span class=\"S1A0D SA7 S2\" id=\"t1a_104\">14,662 </span><span class=\"S1C1D SA7 S2\" id=\"t1b_104\">Rental fees </span><span class=\"S1C1E SA7 S2\" id=\"t1c_104\">5,184 </span><span class=\"S1C1F SA7 S2\" id=\"t1d_104\">4,847 </span><span class=\"S1C20 SB S2\" id=\"t1e_104\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1f_104\">464,997 </span><span class=\"S19B3 SB S2\" id=\"t1g_104\">311,932 </span><span class=\"S1C21 SB S2\" id=\"t1h_104\">Total </span><span class=\"S1C22 SB S2\" id=\"t1i_104\">975,148 </span><span class=\"S1C23 SB S2\" id=\"t1j_104\">747,612 </span><span class=\"S1C24 S482 S2\" id=\"t1k_104\">2 </span><span class=\"S1C25 S483 S2\" id=\"t1l_104\">See details in Note 13 and Note 36. </span><span class=\"S1C26 S482 S2\" id=\"t1m_104\">3 </span><span class=\"S1C27 S483 S2\" id=\"t1n_104\">Special tax of financial institutions was paid by the Group in the amount of HUF 99,974 million for the year ended 31 December 2022 and </span><span class=\"S1C28 S483 S2\" id=\"t1o_104\">HUF 19,652 million for the year 2021, recognized as an expense thus decreased the corporate tax base. For the year ended 31 December 2022 </span><span class=\"S1C29 S483 S2\" id=\"t1p_104\">financial transaction duty was paid by the Bank in the amount of HUF 88,642 million while for the year ended 31 December 2021 the same </span><span class=\"S1C2A S483 S2\" id=\"t1q_104\">duty was HUF 68 billion. </span><span class=\"S1C2B SA7 S2\" id=\"t1r_104\">The table below contains the detailing of the fees for audit and non-audit services: </span><span class=\"S1C2C SB S2\" id=\"t1s_104\">Ernst &amp; Young Audit Ltd. </span><span class=\"S1C2D SB S2\" id=\"t1t_104\">2022 </span><span class=\"S1C2E SB S2\" id=\"t1u_104\">2021 </span><span class=\"S1C2F SB S2\" id=\"t1v_104\">In thousand EUR </span><span class=\"S1C30 SA7 S2\" id=\"t1w_104\">OTP </span><span class=\"S636 S5B9 S2\" id=\"t1x_104\">\u2013 </span><span class=\"S1C31 SA7 S2\" id=\"t1y_104\">annual audit </span><span class=\"S1C32 S5B9 S2\" id=\"t1z_104\">\u2013 </span><span class=\"S1C33 SA7 S2\" id=\"t20_104\">separate financial statements </span><span class=\"S1C34 SA7 S2\" id=\"t21_104\">458 </span><span class=\"S1C35 SA7 S2\" id=\"t22_104\">458 </span><span class=\"S1C36 SA7 S2\" id=\"t23_104\">OTP </span><span class=\"S1C37 S5B9 S2\" id=\"t24_104\">\u2013 </span><span class=\"S1C38 SA7 S2\" id=\"t25_104\">annual audit </span><span class=\"S1C39 S5B9 S2\" id=\"t26_104\">\u2013 </span><span class=\"S1C3A SA7 S2\" id=\"t27_104\">consolidated financial statements </span><span class=\"S1C3B SA7 S2\" id=\"t28_104\">738 </span><span class=\"S1C3C SA7 S2\" id=\"t29_104\">659 </span><span class=\"S1C3D SA7 S2\" id=\"t2a_104\">Other audit services based on statutory provisions to </span><span class=\"S1C3E SA7 S2\" id=\"t2b_104\">OTP Group members </span><span class=\"S1C3F SA7 S2\" id=\"t2c_104\">1,120 </span><span class=\"S1C40 SA7 S2\" id=\"t2d_104\">1,050 </span><span class=\"S1C41 SA7 S2\" id=\"t2e_104\">Other services providing assurance </span><span class=\"S1C42 SA7 S2\" id=\"t2f_104\">1,805 </span><span class=\"S1C43 SA7 S2\" id=\"t2g_104\">1,575 </span><span class=\"S1C44 SA7 S2\" id=\"t2h_104\">Other non-audit services </span><span class=\"S1C45 SA7 S2\" id=\"t2i_104\">426 </span><span class=\"S1C46 SA7 S2\" id=\"t2j_104\">316 </span><span class=\"S1459 SB S2\" id=\"t2k_104\">Total </span><span class=\"S1C47 SB S2\" id=\"t2l_104\">4,547 </span><span class=\"S1C48 SB S2\" id=\"t2m_104\">4,058 </span><span class=\"S1C49 SB S2\" id=\"t2n_104\">Ernst &amp; Young Network </span><span class=\"S1C4A SB S2\" id=\"t2o_104\">2022 </span><span class=\"S1C4B SB S2\" id=\"t2p_104\">2021 </span><span class=\"S1C4C SB S2\" id=\"t2q_104\">In thousand EUR </span><span class=\"S1C4D SA7 S2\" id=\"t2r_104\">Audit based on statutory provisions </span><span class=\"S1C4E SA7 S2\" id=\"t2s_104\">2,354 </span><span class=\"S1C4F SA7 S2\" id=\"t2t_104\">1,788 </span><span class=\"S1C50 SA7 S2\" id=\"t2u_104\">Other services providing assurance </span><span class=\"S1C51 SA7 S2\" id=\"t2v_104\">- </span><span class=\"S1C52 SA7 S2\" id=\"t2w_104\">- </span><span class=\"S1C53 SA7 S2\" id=\"t2x_104\">Tax consulting services </span><span class=\"S1C54 SA7 S2\" id=\"t2y_104\">209 </span><span class=\"S1C55 SA7 S2\" id=\"t2z_104\">29 </span><span class=\"S1C56 SA7 S2\" id=\"t30_104\">Other non-audit services </span><span class=\"S1C57 SA7 S2\" id=\"t31_104\">1,015 </span><span class=\"S1C58 SA7 S2\" id=\"t32_104\">209 </span><span class=\"S1C59 SB S2\" id=\"t33_104\">Total </span><span class=\"S1C5A SB S2\" id=\"t34_104\">3,578 </span><span class=\"S1C5B SB S2\" id=\"t35_104\">2,026 </span><span class=\"SFA4 SB S2\" id=\"t3_105\">NOTE 35: </span><span class=\"S153B SB S2\" id=\"t4_105\">INCOME TAXES (in HUF mn) </span><span class=\"S1C5C SA7 S2\" id=\"t5_105\">The Group is presently liable for income tax at rates between 9% and 35% of taxable income. </span><span class=\"S1C5D SA7 S2\" id=\"t6_105\">Deferred tax is calculated at the income tax rate of 9% in Hungary and Montenegro, 10% in Bulgaria, 12% in </span><span class=\"S1C5E SA7 S2\" id=\"t7_105\">Moldova, 15% in Serbia and Albania, 16% in Romania, 18% in Ukraine and Croatia, 19% in Slovenia, 20% in </span><span class=\"S1C5F SA7 S2\" id=\"t8_105\">Russia, 25.5% in the Netherlands and 35% in Malta. </span><span class=\"S1C60 SA7 S2\" id=\"t9_105\">The breakdown of the income tax expense is: </span><span class=\"S1C61 SB S2\" id=\"ta_105\">2022 </span><span class=\"S1C62 SB S2\" id=\"tb_105\">2021 </span><span class=\"S1C63 SA7 S2\" id=\"tc_105\">Current tax expense </span><span class=\"S1C64 SA7 S2\" id=\"td_105\">91,537 </span><span class=\"S1C65 SA7 S2\" id=\"te_105\">65,692 </span><span class=\"S1C66 SA7 S2\" id=\"tf_105\">Deferred tax (income) / expense </span><span class=\"S1C67 SA7 S2\" id=\"tg_105\">(32,286) </span><span class=\"S1C68 SA7 S2\" id=\"th_105\">6,431 </span><span class=\"S1C69 SB S2\" id=\"ti_105\">Total </span><span class=\"S1C6A SB S2\" id=\"tj_105\">59,251 </span><span class=\"S1C6B SB S2\" id=\"tk_105\">72,123 </span><span class=\"S1C6C SA7 S2\" id=\"tl_105\">A reconciliation of the net deferred tax asset/liability is as follows: </span><span class=\"S1C6D SB S2\" id=\"tm_105\">2022 </span><span class=\"S1C6E SB S2\" id=\"tn_105\">2021 </span><span class=\"S1C6F SB S2\" id=\"to_105\">Balance as at 1 January </span><span class=\"S1C70 SB S2\" id=\"tp_105\">(8,936) </span><span class=\"S1C71 SB S2\" id=\"tq_105\">(3,673) </span><span class=\"S1C72 SA7 S2\" id=\"tr_105\">Deferred tax income / (expense) in profit or loss </span><span class=\"S1C73 SA7 S2\" id=\"ts_105\">32,286 </span><span class=\"S1C74 SA7 S2\" id=\"tt_105\">(6,431) </span><span class=\"S1C75 SA7 S2\" id=\"tu_105\">Deferred tax receivable related to items </span><span class=\"S1C76 SA7 S2\" id=\"tv_105\">recognized directly in equity and in Comprehensive Income </span><span class=\"S1C77 SA7 S2\" id=\"tw_105\">14,591 </span><span class=\"S147A SA7 S2\" id=\"tx_105\">1,294 </span><span class=\"S1C78 SA7 S2\" id=\"ty_105\">Due to acquisition of subsidiary </span><span class=\"S1C79 SA7 S2\" id=\"tz_105\">- </span><span class=\"S1C7A SA7 S2\" id=\"t10_105\">(737) </span><span class=\"S1C7B SA7 S2\" id=\"t11_105\">Foreign currency translation difference </span><span class=\"S1C7C SA7 S2\" id=\"t12_105\">(2,614) </span><span class=\"S1C7D SA7 S2\" id=\"t13_105\">611 </span><span class=\"S1C7E SB S2\" id=\"t14_105\">Closing balance </span><span class=\"S1C7F SB S2\" id=\"t15_105\">35,327 </span><span class=\"S1C80 SB S2\" id=\"t16_105\">(8,936) </span><span class=\"S1C81 SA7 S2\" id=\"t17_105\">A breakdown of the deferred tax assets are as follows: </span><span class=\"S1C82 SB S2\" id=\"t18_105\">2022 </span><span class=\"S1C83 SB S2\" id=\"t19_105\">2021 </span><span class=\"S1C84 SA7 S2\" id=\"t1a_105\">Loss allowance on granted loans </span><span class=\"S1C85 SA7 S2\" id=\"t1b_105\">13,244 </span><span class=\"S1C86 SA7 S2\" id=\"t1c_105\">8,244 </span><span class=\"S1C87 SA7 S2\" id=\"t1d_105\">Provision for off-balance sheet commitments and </span><span class=\"S1C88 SA7 S2\" id=\"t1e_105\">contingent liabilities, derivative financial instruments </span><span class=\"S1C89 SA7 S2\" id=\"t1f_105\">7,668 </span><span class=\"S1C8A SA7 S2\" id=\"t1g_105\">7,688 </span><span class=\"S1C8B SA7 S2\" id=\"t1h_105\">Securities at amortized cost </span><span class=\"S1C8C SA7 S2\" id=\"t1i_105\">8 </span><span class=\"S1C8D SA7 S2\" id=\"t1j_105\">9 </span><span class=\"S1C8E SA7 S2\" id=\"t1k_105\">Difference in depreciation of tangible assets </span><span class=\"S1C8F SA7 S2\" id=\"t1l_105\">1,304 </span><span class=\"S1C90 SA7 S2\" id=\"t1m_105\">3,636 </span><span class=\"S1C91 SA7 S2\" id=\"t1n_105\">Fair value adjustment of non-trading instruments </span><span class=\"S1C92 SA7 S2\" id=\"t1o_105\">mandatorily at fair value though profit or loss </span><span class=\"S1C93 SA7 S2\" id=\"t1p_105\">214 </span><span class=\"S1C94 SA7 S2\" id=\"t1q_105\">256 </span><span class=\"S1C95 SA7 S2\" id=\"t1r_105\">Fair value adjustment of derivative financial instruments </span><span class=\"S1C96 SA7 S2\" id=\"t1s_105\">7,227 </span><span class=\"S1C97 SA7 S2\" id=\"t1t_105\">992 </span><span class=\"S1C98 SA7 S2\" id=\"t1u_105\">Provision on other financial, non-financial liabilities </span><span class=\"S1C99 SA7 S2\" id=\"t1v_105\">564 </span><span class=\"S1C9A SA7 S2\" id=\"t1w_105\">1,073 </span><span class=\"S1C9B SA7 S2\" id=\"t1x_105\">Difference in accounting for leases </span><span class=\"S1C9C SA7 S2\" id=\"t1y_105\">430 </span><span class=\"S1C9D SA7 S2\" id=\"t1z_105\">999 </span><span class=\"S1C9E SA7 S2\" id=\"t20_105\">Fair value adjustment of securities at fair value </span><span class=\"S1C9F SA7 S2\" id=\"t21_105\">through other comprehensive income </span><span class=\"S1CA0 SA7 S2\" id=\"t22_105\">7,563 </span><span class=\"S1CA1 SA7 S2\" id=\"t23_105\">202 </span><span class=\"S1CA2 SA7 S2\" id=\"t24_105\">Unused tax allowance </span><span class=\"S1CA3 SA7 S2\" id=\"t25_105\">12,103 </span><span class=\"S1CA4 SA7 S2\" id=\"t26_105\">- </span><span class=\"S1CA5 SA7 S2\" id=\"t27_105\">Loss allowance / impairment on other </span><span class=\"S1CA6 SA7 S2\" id=\"t28_105\">financial, non-financial assets </span><span class=\"S1CA7 SA7 S2\" id=\"t29_105\">159 </span><span class=\"S1CA8 SA7 S2\" id=\"t2a_105\">2,427 </span><span class=\"S1CA9 SA7 S2\" id=\"t2b_105\">Tax accrual caused by negative taxable income </span><span class=\"S1CAA SA7 S2\" id=\"t2c_105\">19,744 </span><span class=\"S1CAB SA7 S2\" id=\"t2d_105\">152 </span><span class=\"S1CAC SA7 S2\" id=\"t2e_105\">Difference in depreciation of right-of-use assets </span><span class=\"S1CAD SA7 S2\" id=\"t2f_105\">564 </span><span class=\"S1CAE SA7 S2\" id=\"t2g_105\">214 </span><span class=\"S1CAF SA7 S2\" id=\"t2h_105\">Loss allowance on investment </span><span class=\"S1CB0 SA7 S2\" id=\"t2i_105\">84 </span><span class=\"S1CB1 SA7 S2\" id=\"t2j_105\">77 </span><span class=\"S1CB2 SA7 S2\" id=\"t2k_105\">Fair value adjustment of securities at fair value </span><span class=\"S1CB3 SA7 S2\" id=\"t2l_105\">through profit or loss </span><span class=\"S13DE SA7 S2\" id=\"t2m_105\">4,023 </span><span class=\"S1CB4 SA7 S2\" id=\"t2n_105\">95 </span><span class=\"S1CB5 SA7 S2\" id=\"t2o_105\">Difference in accounting for investment properties </span><span class=\"S1CB6 SA7 S2\" id=\"t2p_105\">51 </span><span class=\"S1CB7 SA7 S2\" id=\"t2q_105\">4 </span><span class=\"S1CB8 SA7 S2\" id=\"t2r_105\">Amounts unenforceable by tax law </span><span class=\"S1CB9 SA7 S2\" id=\"t2s_105\">32 </span><span class=\"S1CBA SA7 S2\" id=\"t2t_105\">- </span><span class=\"S1CBB SA7 S2\" id=\"t2u_105\">Other </span><span class=\"S1CBC SA7 S2\" id=\"t2v_105\">477 </span><span class=\"S1CBD SA7 S2\" id=\"t2w_105\">3,980 </span><span class=\"S1CBE SB S2\" id=\"t2x_105\">Deferred tax asset </span><span class=\"S1CBF SB S2\" id=\"t2y_105\">75,459 </span><span class=\"S1CC0 SB S2\" id=\"t2z_105\">30,048 </span><span class=\"SFA4 SB S2\" id=\"t3_106\">NOTE 35: </span><span class=\"S13E0 SB S2\" id=\"t4_106\">INCOME TAXES (in HUF mn) [continued] </span><span class=\"S1CC1 SA7 S2\" id=\"t5_106\">A breakdown of the deferred tax liabilities are as follows: </span><span class=\"S1762 SB S2\" id=\"t6_106\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_106\">2021 </span><span class=\"S1CC2 SA7 S2\" id=\"t8_106\">Difference in depreciation of tangible assets </span><span class=\"S1CC3 SA7 S2\" id=\"t9_106\">(10,944) </span><span class=\"S1CC4 SA7 S2\" id=\"ta_106\">(10,245) </span><span class=\"S1CC5 SA7 S2\" id=\"tb_106\">Fair value adjustment of securities at fair value </span><span class=\"S1CC6 SA7 S2\" id=\"tc_106\">through other comprehensive income </span><span class=\"S1CC7 SA7 S2\" id=\"td_106\">(4,586) </span><span class=\"S1CC8 SA7 S2\" id=\"te_106\">(6,569) </span><span class=\"S1CC9 SA7 S2\" id=\"tf_106\">Fair value adjustment of securities at fair value </span><span class=\"S1CCA SA7 S2\" id=\"tg_106\">through profit or loss </span><span class=\"S1CCB SA7 S2\" id=\"th_106\">- </span><span class=\"S1CCC SA7 S2\" id=\"ti_106\">(2,781) </span><span class=\"S1CCD SA7 S2\" id=\"tj_106\">Loss allowance on investment </span><span class=\"S1CCE SA7 S2\" id=\"tk_106\">(1,293) </span><span class=\"S1CCF SA7 S2\" id=\"tl_106\">(1,142) </span><span class=\"S1CD0 SA7 S2\" id=\"tm_106\">Fair value adjustment of non-trading instruments </span><span class=\"S1CD1 SA7 S2\" id=\"tn_106\">mandatorily at fair value though profit or loss </span><span class=\"S1CD2 SA7 S2\" id=\"to_106\">(25) </span><span class=\"S1CD3 SA7 S2\" id=\"tp_106\">- </span><span class=\"S1CD4 SA7 S2\" id=\"tq_106\">Securities at amortized cost </span><span class=\"S1CD5 SA7 S2\" id=\"tr_106\">(959) </span><span class=\"S1CD6 SA7 S2\" id=\"ts_106\">(210) </span><span class=\"S1CD7 SA7 S2\" id=\"tt_106\">Provision for off-balance sheet commitments </span><span class=\"S1CD8 SA7 S2\" id=\"tu_106\">and contingent liabilities, derivative financial instruments </span><span class=\"S1CD9 SA7 S2\" id=\"tv_106\">(639) </span><span class=\"S1CDA SA7 S2\" id=\"tw_106\">(559) </span><span class=\"S1CDB SA7 S2\" id=\"tx_106\">Loss allowance on granted loans </span><span class=\"S1CDC SA7 S2\" id=\"ty_106\">(4,383) </span><span class=\"S1CDD SA7 S2\" id=\"tz_106\">(944) </span><span class=\"S1CDE SA7 S2\" id=\"t10_106\">Interbank placements and receivables </span><span class=\"S1CDF SA7 S2\" id=\"t11_106\">(1,269) </span><span class=\"S1CE0 SA7 S2\" id=\"t12_106\">(491) </span><span class=\"S1CE1 SA7 S2\" id=\"t13_106\">Fair value adjustment of derivative financial instruments </span><span class=\"S1CE2 SA7 S2\" id=\"t14_106\">- </span><span class=\"S1CE3 SA7 S2\" id=\"t15_106\">(214) </span><span class=\"S1CE4 SA7 S2\" id=\"t16_106\">Loss allowance / impairment on other </span><span class=\"S1CE5 SA7 S2\" id=\"t17_106\">financial, non-financial assets </span><span class=\"S1CE6 SA7 S2\" id=\"t18_106\">(91) </span><span class=\"S1CE7 SA7 S2\" id=\"t19_106\">(2,261) </span><span class=\"S1CE8 SA7 S2\" id=\"t1a_106\">Repurchase agreement and security lending </span><span class=\"S1CE9 SA7 S2\" id=\"t1b_106\">(265) </span><span class=\"S1CEA SA7 S2\" id=\"t1c_106\">- </span><span class=\"S1CEB SA7 S2\" id=\"t1d_106\">Provision on other financial, non-financial liabilities </span><span class=\"S1CEC SA7 S2\" id=\"t1e_106\">- </span><span class=\"S1CED SA7 S2\" id=\"t1f_106\">(1,875) </span><span class=\"S1CEE SA7 S2\" id=\"t1g_106\">Difference in accounting for investment properties </span><span class=\"S1CEF SA7 S2\" id=\"t1h_106\">(204) </span><span class=\"S1CF0 SA7 S2\" id=\"t1i_106\">(186) </span><span class=\"S1CF1 SA7 S2\" id=\"t1j_106\">Difference in depreciation of right-of-use assets </span><span class=\"S1CF2 SA7 S2\" id=\"t1k_106\">(272) </span><span class=\"S1CF3 SA7 S2\" id=\"t1l_106\">- </span><span class=\"S1CF4 SA7 S2\" id=\"t1m_106\">Other </span><span class=\"S1CF5 SA7 S2\" id=\"t1n_106\">(15,202) </span><span class=\"S1CF6 SA7 S2\" id=\"t1o_106\">(11,507) </span><span class=\"S1CF7 SB S2\" id=\"t1p_106\">Deferred tax liabilities </span><span class=\"S1CF8 SB S2\" id=\"t1q_106\">(40,132) </span><span class=\"S1CF9 SB S2\" id=\"t1r_106\">(38,984) </span><span class=\"S1CFA SB S2\" id=\"t1s_106\">2022 </span><span class=\"S1CFB SB S2\" id=\"t1t_106\">2021 </span><span class=\"S1CFC SB S2\" id=\"t1u_106\">Net deferred tax asset / (liability) </span><span class=\"S1CFD SB S2\" id=\"t1v_106\">35,327 </span><span class=\"S1CFE SB S2\" id=\"t1w_106\">(8,936) </span><span class=\"S1CFF SB S2\" id=\"t1x_106\">(amount presented in the </span><span class=\"S1D00 SB S2\" id=\"t1y_106\">consolidated statement of financial position) </span><span class=\"S1D01 SB S2\" id=\"t1z_106\">Deferred tax assets </span><span class=\"S1D02 SB S2\" id=\"t20_106\">75,421 </span><span class=\"S19C1 SB S2\" id=\"t21_106\">15,109 </span><span class=\"S1D03 SB S2\" id=\"t22_106\">Deferred tax liabilities </span><span class=\"S1D04 SB S2\" id=\"t23_106\">(40,094) </span><span class=\"S1D05 SB S2\" id=\"t24_106\">(24,045) </span><span class=\"S1D06 SA7 S2\" id=\"t25_106\">Among deferred tax assets the tax accruals are included the following accruals by entities: </span><span class=\"S1D07 SB S2\" id=\"t26_106\">Tax accrual caused by negative </span><span class=\"S1D08 SB S2\" id=\"t27_106\">2022 </span><span class=\"S1D09 SB S2\" id=\"t28_106\">2021 </span><span class=\"S1D0A SB S2\" id=\"t29_106\">Date until </span><span class=\"S1D0B SB S2\" id=\"t2a_106\">taxable income </span><span class=\"S1D0C SB S2\" id=\"t2b_106\">it can be used </span><span class=\"S1D0D SA7 S2\" id=\"t2c_106\">OTP Bank </span><span class=\"S1D0E SA7 S2\" id=\"t2d_106\">19,424 </span><span class=\"S1D0F SA7 S2\" id=\"t2e_106\">- </span><span class=\"S1D10 SA7 S2\" id=\"t2f_106\">31 December 2027 </span><span class=\"S1D11 SA7 S2\" id=\"t2g_106\">Merkantil Bank Ltd. </span><span class=\"S1D12 SA7 S2\" id=\"t2h_106\">- </span><span class=\"S1D13 SA7 S2\" id=\"t2i_106\">40 </span><span class=\"S1D14 SA7 S2\" id=\"t2j_106\">31 December 2030 </span><span class=\"S1D15 SA7 S2\" id=\"t2k_106\">OTP Real Estate Leasing Ltd. </span><span class=\"S1D16 SA7 S2\" id=\"t2l_106\">142 </span><span class=\"S1D17 SA7 S2\" id=\"t2m_106\">55 </span><span class=\"S1D18 SA7 S2\" id=\"t2n_106\">31 December 2030 </span><span class=\"S1D19 SA7 S2\" id=\"t2o_106\">Nagisz Ltd. </span><span class=\"S1D1A SA7 S2\" id=\"t2p_106\">55 </span><span class=\"S1D1B SA7 S2\" id=\"t2q_106\">- </span><span class=\"S1D1C SA7 S2\" id=\"t2r_106\">31 December 2025 </span><span class=\"S1D1D SA7 S2\" id=\"t2s_106\">Nagisz Ltd. </span><span class=\"S1D1E SA7 S2\" id=\"t2t_106\">56 </span><span class=\"S1D1F SA7 S2\" id=\"t2u_106\">- </span><span class=\"S1D20 SA7 S2\" id=\"t2v_106\">31 December 2026 </span><span class=\"S1D21 SA7 S2\" id=\"t2w_106\">Nagisz Ltd. </span><span class=\"S1D22 SA7 S2\" id=\"t2x_106\">67 </span><span class=\"S1D23 SA7 S2\" id=\"t2y_106\">57 </span><span class=\"S1D24 SA7 S2\" id=\"t2z_106\">31 December 2030 </span><span class=\"S1D25 SB S2\" id=\"t30_106\">19,744 </span><span class=\"S1D26 SB S2\" id=\"t31_106\">152 </span><span class=\"SFA4 SB S2\" id=\"t3_107\">NOTE 35: </span><span class=\"S13E0 SB S2\" id=\"t4_107\">INCOME TAXES (in HUF mn) [continued] </span><span class=\"S1052 SA7 S2\" id=\"t5_107\">A reconciliation of the income tax income / expense is as follows: </span><span class=\"S1762 SB S2\" id=\"t6_107\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_107\">2021 </span><span class=\"S1D27 SB S2\" id=\"t8_107\">Profit before income tax </span><span class=\"S1D28 SB S2\" id=\"t9_107\">394,888 </span><span class=\"S1D29 SB S2\" id=\"ta_107\">528,435 </span><span class=\"S1D2A SB S2\" id=\"tb_107\">Income tax expense at statutory tax rates </span><span class=\"S17DA SB S2\" id=\"tc_107\">53,933 </span><span class=\"S17DB SB S2\" id=\"td_107\">68,823 </span><span class=\"S1D2B SB S2\" id=\"te_107\">Income tax adjustments due to permanent </span><span class=\"S1D2C SB S2\" id=\"tf_107\">differences are as follows: </span><span class=\"S1CD0 SA7 S2\" id=\"tg_107\">Deferred use of tax allowance </span><span class=\"S1D2D SA7 S2\" id=\"th_107\">(12,102) </span><span class=\"S1D2E SA7 S2\" id=\"ti_107\">(8) </span><span class=\"S1D2F SA7 S2\" id=\"tj_107\">Tax effect of transaction costs related to share-based payment </span><span class=\"S1D30 SA7 S2\" id=\"tk_107\">recognized directly in shareholders' equity </span><span class=\"S1778 SA7 S2\" id=\"tl_107\">- </span><span class=\"S1D31 SA7 S2\" id=\"tm_107\">323 </span><span class=\"S1D32 SA7 S2\" id=\"tn_107\">Reversal of statutory general provision </span><span class=\"S1D33 SA7 S2\" id=\"to_107\">(5) </span><span class=\"S1D34 SA7 S2\" id=\"tp_107\">- </span><span class=\"S1BC2 SA7 S2\" id=\"tq_107\">Permanent differences from unused tax losses </span><span class=\"S1D35 SA7 S2\" id=\"tr_107\">(1,894) </span><span class=\"S1CDA SA7 S2\" id=\"ts_107\">(103) </span><span class=\"S1D36 SA7 S2\" id=\"tt_107\">Tax effect of transaction costs related to treasury share transaction </span><span class=\"S1D37 SA7 S2\" id=\"tu_107\">recognized directly in shareholders' equity </span><span class=\"S1D38 SA7 S2\" id=\"tv_107\">267 </span><span class=\"S1D39 SA7 S2\" id=\"tw_107\">- </span><span class=\"S1D3A SA7 S2\" id=\"tx_107\">Amounts unenforceable by tax law </span><span class=\"S1D3B SA7 S2\" id=\"ty_107\">61 </span><span class=\"S1CE3 SA7 S2\" id=\"tz_107\">(846) </span><span class=\"S1C19 SA7 S2\" id=\"t10_107\">Use of tax allowance in the current year </span><span class=\"S1D3C SA7 S2\" id=\"t11_107\">(23) </span><span class=\"S1D3D SA7 S2\" id=\"t12_107\">(4,036) </span><span class=\"S1D3E SA7 S2\" id=\"t13_107\">Other </span><span class=\"S1D3F SA7 S2\" id=\"t14_107\">(2,804) </span><span class=\"S1D40 SA7 S2\" id=\"t15_107\">(11,250) </span><span class=\"S1D41 SB S2\" id=\"t16_107\">Income tax expense </span><span class=\"S1D42 SB S2\" id=\"t17_107\">37,433 </span><span class=\"S1D43 SB S2\" id=\"t18_107\">52,903 </span><span class=\"S1D44 SB S2\" id=\"t19_107\">Effective tax rate </span><span class=\"S1D45 SB S2\" id=\"t1a_107\">9.48% </span><span class=\"S1D46 SB S2\" id=\"t1b_107\">10.01% </span><span class=\"S1D47 SB S2\" id=\"t1c_107\">Business tax and innovation contribution </span><span class=\"S1D48 SB S2\" id=\"t1d_107\">21,818 </span><span class=\"S1D49 SB S2\" id=\"t1e_107\">19,220 </span><span class=\"S1D4A SB S2\" id=\"t1f_107\">Total income tax expense </span><span class=\"S1D4B SB S2\" id=\"t1g_107\">59,251 </span><span class=\"S1D4C SB S2\" id=\"t1h_107\">72,123 </span><span class=\"S1D4D SB S2\" id=\"t1i_107\">2022 </span><span class=\"S1D4E SB S2\" id=\"t1j_107\">2021 </span><span class=\"S1D4F SB S2\" id=\"t1k_107\">Net current tax liability </span><span class=\"S1D50 SB S2\" id=\"t1l_107\">(23,216) </span><span class=\"S1D51 SB S2\" id=\"t1m_107\">(6,603) </span><span class=\"S1D52 SB S2\" id=\"t1n_107\">(amount presented in the consolidated statement </span><span class=\"S1D53 SB S2\" id=\"t1o_107\">of financial position) </span><span class=\"S1D54 SB S2\" id=\"t1p_107\">Current income tax receivables </span><span class=\"S1D55 SB S2\" id=\"t1q_107\">5,650 </span><span class=\"S1D56 SB S2\" id=\"t1r_107\">29,978 </span><span class=\"S1D57 SB S2\" id=\"t1s_107\">Current income tax payable </span><span class=\"S1D58 SB S2\" id=\"t1t_107\">(28,866) </span><span class=\"S1D59 SB S2\" id=\"t1u_107\">(36,581) </span><span class=\"SFA4 SB S2\" id=\"t3_108\">NOTE 36: </span><span class=\"S14BC SB S2\" id=\"t4_108\">LEASES (in HUF mn) </span><span class=\"S1CC1 SB S2\" id=\"t5_108\">The Group as a lessee: </span><span class=\"SC44 SA7 S2\" id=\"t6_108\">Right-of-use assets by class of underlying assets as at 31 December 2022: </span><span class=\"S1D5A SB S2\" id=\"t7_108\">2022 </span><span class=\"S1D5B SB S2\" id=\"t8_108\">Property </span><span class=\"S1D5C SB S2\" id=\"t9_108\">Office </span><span class=\"S1D5D SB S2\" id=\"ta_108\">equipment </span><span class=\"S1D5E SB S2\" id=\"tb_108\">and vehicles </span><span class=\"S1D5F SB S2\" id=\"tc_108\">Total </span><span class=\"S1D60 SA7 S2\" id=\"td_108\">Depreciation expense of right-of-use assets </span><span class=\"S1D61 SA7 S2\" id=\"te_108\">17,680 </span><span class=\"S1D62 SA7 S2\" id=\"tf_108\">328 </span><span class=\"S1D63 SA7 S2\" id=\"tg_108\">18,008 </span><span class=\"S1D64 SA7 S2\" id=\"th_108\">Additions to right-of-use assets </span><span class=\"S1D65 SA7 S2\" id=\"ti_108\">19,416 </span><span class=\"S1D66 SA7 S2\" id=\"tj_108\">1,931 </span><span class=\"S1D67 SA7 S2\" id=\"tk_108\">21,347 </span><span class=\"S1D68 SA7 S2\" id=\"tl_108\">Carrying amount of right-of-use assets </span><span class=\"S1D69 SA7 S2\" id=\"tm_108\">at the end of the reporting period </span><span class=\"S1D6A SA7 S2\" id=\"tn_108\">56,842 </span><span class=\"S1D6B SA7 S2\" id=\"to_108\">2,095 </span><span class=\"S1D6C SA7 S2\" id=\"tp_108\">58,937 </span><span class=\"S1D6D SA7 S2\" id=\"tq_108\">Right-of-use assets by class of underlying assets as at 31 December 2021: </span><span class=\"S1D6E SB S2\" id=\"tr_108\">2021 </span><span class=\"S1D6F SB S2\" id=\"ts_108\">Property </span><span class=\"S1D70 SB S2\" id=\"tt_108\">Office </span><span class=\"S1D71 SB S2\" id=\"tu_108\">equipment </span><span class=\"S1D72 SB S2\" id=\"tv_108\">and vehicles </span><span class=\"S1D73 SB S2\" id=\"tw_108\">Total </span><span class=\"S1D74 SA7 S2\" id=\"tx_108\">Depreciation expense of right-of-use assets </span><span class=\"S1D75 SA7 S2\" id=\"ty_108\">15,710 </span><span class=\"S1D76 SA7 S2\" id=\"tz_108\">355 </span><span class=\"S1D77 SA7 S2\" id=\"t10_108\">16,065 </span><span class=\"S1D78 SA7 S2\" id=\"t11_108\">Additions to right-of-use assets </span><span class=\"S1D79 SA7 S2\" id=\"t12_108\">13,915 </span><span class=\"S1D7A SA7 S2\" id=\"t13_108\">245 </span><span class=\"S1D7B SA7 S2\" id=\"t14_108\">14,160 </span><span class=\"S1D7C SA7 S2\" id=\"t15_108\">Carrying amount of right-of-use assets </span><span class=\"S1D7D SA7 S2\" id=\"t16_108\">at the end of the reporting period </span><span class=\"S1D7E SA7 S2\" id=\"t17_108\">50,265 </span><span class=\"S1D7F SA7 S2\" id=\"t18_108\">461 </span><span class=\"S1D80 SA7 S2\" id=\"t19_108\">50,726 </span><span class=\"S1D81 SA7 S2\" id=\"t1a_108\">The total cash outflow for leases was HUF 31,872 million as at 31 December 2022 and HUF 19,663 million as at </span><span class=\"S1D82 SA7 S2\" id=\"t1b_108\">31 December 2021. </span><span class=\"S1D83 SA7 S2\" id=\"t1c_108\">The Group mainly leases real estate, a significant part of its right-of-use assets are related to branch offices, a </span><span class=\"S1D84 SA7 S2\" id=\"t1d_108\">smaller part to office buildings and office space. </span><span class=\"S1D85 SA7 S2\" id=\"t1e_108\">Leasing liabilities by maturities: </span><span class=\"S1D86 SB S2\" id=\"t1f_108\">2022 </span><span class=\"S1D87 SB S2\" id=\"t1g_108\">2021 </span><span class=\"S1D88 SA7 S2\" id=\"t1h_108\">Within one year </span><span class=\"S1D89 SA7 S2\" id=\"t1i_108\">13,757 </span><span class=\"S1D8A SA7 S2\" id=\"t1j_108\">11,761 </span><span class=\"S1D8B SA7 S2\" id=\"t1k_108\">Over one year </span><span class=\"S1D8C SA7 S2\" id=\"t1l_108\">50,021 </span><span class=\"S1D8D SA7 S2\" id=\"t1m_108\">41,525 </span><span class=\"S1D8E SB S2\" id=\"t1n_108\">Total </span><span class=\"S1D8F SB S2\" id=\"t1o_108\">63,778 </span><span class=\"S1D90 SB S2\" id=\"t1p_108\">53,286 </span><span class=\"S1D91 SA7 S2\" id=\"t1q_108\">Lease liabilities by payments: </span><span class=\"S1D92 SB S2\" id=\"t1r_108\">2022 </span><span class=\"S1D93 SB S2\" id=\"t1s_108\">2021 </span><span class=\"S1D94 SA7 S2\" id=\"t1t_108\">Arising from fixed lease payments </span><span class=\"S1D95 SA7 S2\" id=\"t1u_108\">38,636 </span><span class=\"S1D96 SA7 S2\" id=\"t1v_108\">36,047 </span><span class=\"S1D97 SA7 S2\" id=\"t1w_108\">Arising from variable lease payments </span><span class=\"S1D98 SA7 S2\" id=\"t1x_108\">25,142 </span><span class=\"S1D99 SA7 S2\" id=\"t1y_108\">17,239 </span><span class=\"S1D9A SB S2\" id=\"t1z_108\">Total </span><span class=\"S1D9B SB S2\" id=\"t20_108\">63,778 </span><span class=\"S1D9C SB S2\" id=\"t21_108\">53,286 </span><span class=\"S1D9D SA7 S2\" id=\"t22_108\">On 31 December 2022 and 31 December 2021 HUF 44 million and HUF 123 million is the lease payment </span><span class=\"S1D9E SA7 S2\" id=\"t23_108\">respectively to be paid in the future due to leases not yet commenced to which the Group is committed. The future </span><span class=\"S1D9F SA7 S2\" id=\"t24_108\">lease payment not taken into account would be HUF 4,220 million as at 31 December 2022 and would have been </span><span class=\"S1DA0 SA7 S2\" id=\"t25_108\">HUF 4,041 million as at 31 December 2021 arising from extension options if they had been taken into account. </span><span class=\"S1DA1 SA7 S2\" id=\"t26_108\">The most typical indexes/rates on which the variable lease payments depend are: Consumer Price Index, Inflation </span><span class=\"S1DA2 SA7 S2\" id=\"t27_108\">Rate, BUBOR, EURIBOR. </span><span class=\"SFA4 SB S2\" id=\"t3_109\">NOTE 36: </span><span class=\"S1DA3 SB S2\" id=\"t4_109\">LEASES (in HUF mn) [continued] </span><span class=\"S1DA4 SB S2\" id=\"t5_109\">The Group as a lessee [continued]: </span><span class=\"S1DA5 SB S2\" id=\"t6_109\">Amounts recognized in profit and loss </span><span class=\"S1762 SB S2\" id=\"t7_109\">2022 </span><span class=\"S1763 SB S2\" id=\"t8_109\">2021 </span><span class=\"S1DA6 SA7 S2\" id=\"t9_109\">Interest expense on lease liabilities </span><span class=\"S14D4 SA7 S2\" id=\"ta_109\">2,386 </span><span class=\"S14D5 SA7 S2\" id=\"tb_109\">1,556 </span><span class=\"S1CC5 SA7 S2\" id=\"tc_109\">Expense relating to short-term leases </span><span class=\"S1DA7 SA7 S2\" id=\"td_109\">3,935 </span><span class=\"S1DA8 SA7 S2\" id=\"te_109\">3,885 </span><span class=\"S1DA9 SA7 S2\" id=\"tf_109\">Expense relating to leases of low value assets </span><span class=\"S1DAA SA7 S2\" id=\"tg_109\">919 </span><span class=\"S1DAB SA7 S2\" id=\"th_109\">694 </span><span class=\"S1DAC SA7 S2\" id=\"ti_109\">Expense relating to variable lease payments not included </span><span class=\"S1DAD SA7 S2\" id=\"tj_109\">in the measurement of lease liabilities </span><span class=\"S1CCB SA7 S2\" id=\"tk_109\">- </span><span class=\"S1DAE SA7 S2\" id=\"tl_109\">- </span><span class=\"S1DAF SA7 S2\" id=\"tm_109\">Income from subleasing right-of-use assets </span><span class=\"S1DB0 SA7 S2\" id=\"tn_109\">6 </span><span class=\"S1DB1 SA7 S2\" id=\"to_109\">11 </span><span class=\"S1DB2 SA7 S2\" id=\"tp_109\">Gains or losses arising from sale and leaseback transactions </span><span class=\"S1DB3 SA7 S2\" id=\"tq_109\">- </span><span class=\"S1DB4 SA7 S2\" id=\"tr_109\">- </span><span class=\"S1DB5 SB S2\" id=\"ts_109\">The Group as a lessor: </span><span class=\"S1DB6 S5B9 S2\" id=\"tt_109\">The Group\u2019s leasing activities are most significant in Hungary, Bulgaria, Slovenia, Ukraine and Croatia. The main </span><span class=\"S1DB7 SA7 S2\" id=\"tu_109\">activity of the leasing companies is finance leasing. About half of the underlying assets are passenger cars, besides </span><span class=\"S1473 SA7 S2\" id=\"tv_109\">this the Group leases mainly agricultural machinery, commercial vehicles, vessels and construction machinery. </span><span class=\"S1DB8 SA7 S2\" id=\"tw_109\">The Group manages the risk associated with the rights held in the underlying assets by, inter alia, buy-back </span><span class=\"S1DB9 SA7 S2\" id=\"tx_109\">agreements, determining the residual values on level lower than future market values and registering pledge on the </span><span class=\"S1DBA SA7 S2\" id=\"ty_109\">underlying asset. </span><span class=\"S1DBB SB S2\" id=\"tz_109\">The Group as a lessor, finance lease: </span><span class=\"S1DBC SB S2\" id=\"t10_109\">Amounts receivable under finance leases </span><span class=\"S1DBD SB S2\" id=\"t11_109\">2022 </span><span class=\"S1DBE SB S2\" id=\"t12_109\">2021 </span><span class=\"S1DBF SA7 S2\" id=\"t13_109\">In less than 1 year </span><span class=\"S196C SA7 S2\" id=\"t14_109\">438,205 </span><span class=\"S196D SA7 S2\" id=\"t15_109\">469,646 </span><span class=\"S1DC0 SA7 S2\" id=\"t16_109\">Between 1 and 2 years </span><span class=\"S1DC1 SA7 S2\" id=\"t17_109\">391,229 </span><span class=\"S1DC2 SA7 S2\" id=\"t18_109\">332,360 </span><span class=\"S1DC3 SA7 S2\" id=\"t19_109\">Between 2 and 3 years </span><span class=\"S1DC4 SA7 S2\" id=\"t1a_109\">265,744 </span><span class=\"S1DC5 SA7 S2\" id=\"t1b_109\">241,217 </span><span class=\"S1DC6 SA7 S2\" id=\"t1c_109\">Between 3 and 4 years </span><span class=\"S1DC7 SA7 S2\" id=\"t1d_109\">175,723 </span><span class=\"S1DC8 SA7 S2\" id=\"t1e_109\">159,306 </span><span class=\"S1DC9 SA7 S2\" id=\"t1f_109\">Between 4 and 5 years </span><span class=\"S1DCA SA7 S2\" id=\"t1g_109\">175,420 </span><span class=\"S1DCB SA7 S2\" id=\"t1h_109\">90,548 </span><span class=\"S1DCC SA7 S2\" id=\"t1i_109\">More than 5 years </span><span class=\"S1DCD SA7 S2\" id=\"t1j_109\">69,877 </span><span class=\"S1DCE SA7 S2\" id=\"t1k_109\">60,000 </span><span class=\"S1DCF SB S2\" id=\"t1l_109\">Total receivables from undiscounted lease payments </span><span class=\"S1DD0 SB S2\" id=\"t1m_109\">1,516,198 </span><span class=\"S1DD1 SB S2\" id=\"t1n_109\">1,353,077 </span><span class=\"S1DD2 SA7 S2\" id=\"t1o_109\">Unguaranteed residual values </span><span class=\"S1DD3 SA7 S2\" id=\"t1p_109\">395 </span><span class=\"S1DD4 SA7 S2\" id=\"t1q_109\">692 </span><span class=\"S1DD5 SB S2\" id=\"t1r_109\">Gross investment in the lease </span><span class=\"S1DD6 SB S2\" id=\"t1s_109\">1,516,593 </span><span class=\"S1DD7 SB S2\" id=\"t1t_109\">1,353,769 </span><span class=\"S1DD8 SA7 S2\" id=\"t1u_109\">Less: unearned finance income </span><span class=\"S1DD9 SA7 S2\" id=\"t1v_109\">(164,710) </span><span class=\"S1DDA SA7 S2\" id=\"t1w_109\">(141,138) </span><span class=\"S1DDB SB S2\" id=\"t1x_109\">Present value of minimum lease payments receivable </span><span class=\"S1DDC SB S2\" id=\"t1y_109\">1,351,883 </span><span class=\"S1DDD SB S2\" id=\"t1z_109\">1,212,631 </span><span class=\"S1DDE SA7 S2\" id=\"t20_109\">Loss allowance </span><span class=\"S1DDF SA7 S2\" id=\"t21_109\">(53,131) </span><span class=\"S1DE0 SA7 S2\" id=\"t22_109\">(30,003) </span><span class=\"SF6D SB S2\" id=\"t23_109\">Net investment in the lease </span><span class=\"S1DE1 SB S2\" id=\"t24_109\">1,298,752 </span><span class=\"S1DE2 SB S2\" id=\"t25_109\">1,182,628 </span><span class=\"S1DE3 SA7 S2\" id=\"t26_109\">An analysis of the change in the gross values on finance receivables is as follows: </span><span class=\"S1DE4 SB S2\" id=\"t27_109\">2022 </span><span class=\"S1DE5 SB S2\" id=\"t28_109\">2021 </span><span class=\"S1DE6 SB S2\" id=\"t29_109\">Balance as at 1 January </span><span class=\"S1DE7 SB S2\" id=\"t2a_109\">1,212,631 </span><span class=\"S1DE8 SB S2\" id=\"t2b_109\">1,075,742 </span><span class=\"S1DE9 SA7 S2\" id=\"t2c_109\">Additions due to new contracts </span><span class=\"S1DEA SA7 S2\" id=\"t2d_109\">662,694 </span><span class=\"S1DEB SA7 S2\" id=\"t2e_109\">656,055 </span><span class=\"S1DEC SA7 S2\" id=\"t2f_109\">Additions due to interest income and amortized fees </span><span class=\"S1DED SA7 S2\" id=\"t2g_109\">82,181 </span><span class=\"S1DEE SA7 S2\" id=\"t2h_109\">64,168 </span><span class=\"S1DEF SA7 S2\" id=\"t2i_109\">Decrease due to write-off </span><span class=\"S1DF0 SA7 S2\" id=\"t2j_109\">(484) </span><span class=\"S1DF1 SA7 S2\" id=\"t2k_109\">(543) </span><span class=\"S1DF2 SA7 S2\" id=\"t2l_109\">Decrease due to repossession of the asset </span><span class=\"S1DF3 SA7 S2\" id=\"t2m_109\">(3,616) </span><span class=\"S1DF4 SA7 S2\" id=\"t2n_109\">(3,174) </span><span class=\"S1DF5 SA7 S2\" id=\"t2o_109\">Decrease due to sale </span><span class=\"S1DF6 SA7 S2\" id=\"t2p_109\">(1,697) </span><span class=\"S1DF7 SA7 S2\" id=\"t2q_109\">(3,864) </span><span class=\"S1DF8 SA7 S2\" id=\"t2r_109\">Decrease due to early repayment </span><span class=\"S1DF9 SA7 S2\" id=\"t2s_109\">(77,500) </span><span class=\"S1DFA SA7 S2\" id=\"t2t_109\">(59,246) </span><span class=\"S1DFB SA7 S2\" id=\"t2u_109\">Decrease due to regular lease payment </span><span class=\"S1DFC SA7 S2\" id=\"t2v_109\">(572,293) </span><span class=\"S1DFD SA7 S2\" id=\"t2w_109\">(530,157) </span><span class=\"S1DFE SA7 S2\" id=\"t2x_109\">Foreign currency translation difference </span><span class=\"S1DFF SA7 S2\" id=\"t2y_109\">49,967 </span><span class=\"S1E00 SA7 S2\" id=\"t2z_109\">13,650 </span><span class=\"S1E01 SB S2\" id=\"t30_109\">Closing balance </span><span class=\"S1E02 SB S2\" id=\"t31_109\">1,351,883 </span><span class=\"S1E03 SB S2\" id=\"t32_109\">1,212,631 </span><span class=\"SFA4 SB S2\" id=\"t3_110\">NOTE 36: </span><span class=\"S1E04 SB S2\" id=\"t4_110\">LEASES (in HUF mn) [continued] </span><span class=\"S1E05 SB S2\" id=\"t5_110\">The Group as a lessor [continued]: </span><span class=\"S1E06 SB S2\" id=\"t6_110\">The Group as a lessor, finance lease [continued]: </span><span class=\"S8F2 SA7 S2\" id=\"t7_110\">An analysis of the change in the loss allowance on finance receivables is as follows: </span><span class=\"S1E07 SB S2\" id=\"t8_110\">2022 </span><span class=\"S1E08 SB S2\" id=\"t9_110\">2021 </span><span class=\"S1D64 SB S2\" id=\"ta_110\">Balance as at 1 January </span><span class=\"S1E09 SB S2\" id=\"tb_110\">30,003 </span><span class=\"S1E0A SB S2\" id=\"tc_110\">24,602 </span><span class=\"S1E0B SA7 S2\" id=\"td_110\">Loss allowance for the period </span><span class=\"S1E0C SA7 S2\" id=\"te_110\">49,433 </span><span class=\"S1E0D SA7 S2\" id=\"tf_110\">20,694 </span><span class=\"S1E0E SA7 S2\" id=\"tg_110\">Release of loss allowance </span><span class=\"S1E0F SA7 S2\" id=\"th_110\">(25,020) </span><span class=\"S1E10 SA7 S2\" id=\"ti_110\">(14,918) </span><span class=\"S1E11 SA7 S2\" id=\"tj_110\">Use of loss allowance </span><span class=\"S1E12 SA7 S2\" id=\"tk_110\">(319) </span><span class=\"S1E13 SA7 S2\" id=\"tl_110\">(257) </span><span class=\"S1E14 SA7 S2\" id=\"tm_110\">Partial write-off </span><span class=\"S1E15 SA7 S2\" id=\"tn_110\">(516) </span><span class=\"S1E16 SA7 S2\" id=\"to_110\">- </span><span class=\"S1E17 SA7 S2\" id=\"tp_110\">Decrease due to sale </span><span class=\"S1E18 SA7 S2\" id=\"tq_110\">(61) </span><span class=\"S1E19 SA7 S2\" id=\"tr_110\">(513) </span><span class=\"S1E1A SA7 S2\" id=\"ts_110\">Foreign currency translation difference </span><span class=\"S1E1B SA7 S2\" id=\"tt_110\">(389) </span><span class=\"S1E1C SA7 S2\" id=\"tu_110\">395 </span><span class=\"S1E1D SB S2\" id=\"tv_110\">Closing balance </span><span class=\"S1E1E SB S2\" id=\"tw_110\">53,131 </span><span class=\"S1E1F SB S2\" id=\"tx_110\">30,003 </span><span class=\"S1E20 SB S2\" id=\"ty_110\">Result from finance leases </span><span class=\"S1E21 SB S2\" id=\"tz_110\">2022 </span><span class=\"S1E22 SB S2\" id=\"t10_110\">2021 </span><span class=\"S1E23 SA7 S2\" id=\"t11_110\">Selling profit or loss </span><span class=\"S1E24 SA7 S2\" id=\"t12_110\">- </span><span class=\"S1E25 SA7 S2\" id=\"t13_110\">325 </span><span class=\"S1E26 SA7 S2\" id=\"t14_110\">Finance income on the net investment in the lease </span><span class=\"S1E27 SA7 S2\" id=\"t15_110\">78,262 </span><span class=\"S1E28 SA7 S2\" id=\"t16_110\">59,084 </span><span class=\"S1E29 SA7 S2\" id=\"t17_110\">Income relating to variable lease payments not included </span><span class=\"S1E2A SA7 S2\" id=\"t18_110\">in the measurement of the net investment in the lease </span><span class=\"S1E2B SA7 S2\" id=\"t19_110\">- </span><span class=\"S1E2C SA7 S2\" id=\"t1a_110\">- </span><span class=\"S1E2D SB S2\" id=\"t1b_110\">The Group as a lessor, operating lease: </span><span class=\"S1E2E SB S2\" id=\"t1c_110\">Amounts receivable under operating leases </span><span class=\"S1E2F SB S2\" id=\"t1d_110\">2022 </span><span class=\"S1E30 SB S2\" id=\"t1e_110\">2021 </span><span class=\"S1E31 SA7 S2\" id=\"t1f_110\">In less than 1 year </span><span class=\"S1E32 SA7 S2\" id=\"t1g_110\">6,636 </span><span class=\"S1E33 SA7 S2\" id=\"t1h_110\">10,383 </span><span class=\"S1E34 SA7 S2\" id=\"t1i_110\">Between 1 and 2 years </span><span class=\"S1C8F SA7 S2\" id=\"t1j_110\">6,177 </span><span class=\"S1C90 SA7 S2\" id=\"t1k_110\">5,172 </span><span class=\"S1E35 SA7 S2\" id=\"t1l_110\">Between 2 and 3 years </span><span class=\"S1E36 SA7 S2\" id=\"t1m_110\">4,782 </span><span class=\"S1E37 SA7 S2\" id=\"t1n_110\">3,527 </span><span class=\"S1E38 SA7 S2\" id=\"t1o_110\">Between 3 and 4 years </span><span class=\"S1E39 SA7 S2\" id=\"t1p_110\">3,481 </span><span class=\"S1E3A SA7 S2\" id=\"t1q_110\">2,704 </span><span class=\"S1E3B SA7 S2\" id=\"t1r_110\">Between 4 and 5 years </span><span class=\"S1C96 SA7 S2\" id=\"t1s_110\">2,644 </span><span class=\"S1E3C SA7 S2\" id=\"t1t_110\">2,019 </span><span class=\"S1E3D SA7 S2\" id=\"t1u_110\">More than 5 years </span><span class=\"S1E3E SA7 S2\" id=\"t1v_110\">2,173 </span><span class=\"S1E3F SA7 S2\" id=\"t1w_110\">904 </span><span class=\"S1E40 SB S2\" id=\"t1x_110\">Total receivables from undiscounted lease payments </span><span class=\"S1E41 SB S2\" id=\"t1y_110\">25,893 </span><span class=\"S1E42 SB S2\" id=\"t1z_110\">24,709 </span><span class=\"S1E43 SB S2\" id=\"t20_110\">Result from operating leases </span><span class=\"SF74 SB S2\" id=\"t21_110\">2022 </span><span class=\"SF75 SB S2\" id=\"t22_110\">2021 </span><span class=\"S1E44 SA7 S2\" id=\"t23_110\">Lease income </span><span class=\"S1DED SA7 S2\" id=\"t24_110\">11,439 </span><span class=\"S1DEE SA7 S2\" id=\"t25_110\">10,791 </span><span class=\"S1E45 SA7 S2\" id=\"t26_110\">Therein lease income relating to variable lease </span><span class=\"S1E46 SA7 S2\" id=\"t27_110\">payments that do not depend on an index or a rate </span><span class=\"S1E47 SA7 S2\" id=\"t28_110\">- </span><span class=\"S1E48 SA7 S2\" id=\"t29_110\">- </span><span class=\"SFA4 SB S2\" id=\"t3_111\">NOTE 37: </span><span class=\"S7A3 SB S2\" id=\"t4_111\">FINANCIAL RISK MANAGEMENT (in HUF mn) </span><span class=\"S1E49 SA7 S2\" id=\"t5_111\">A financial instrument is any contract that gives rise to a financial asset of one entity and a financial liability or </span><span class=\"S1E4A SA7 S2\" id=\"t6_111\">equity instrument of another entity. </span><span class=\"S1E4B SA7 S2\" id=\"t7_111\">Financial instruments may result in certain risks to the Group. The most significant risks the Group faces include: </span><span class=\"S1E4C SB S2\" id=\"t8_111\">37.1. Credit risk </span><span class=\"S1E4D SA7 S2\" id=\"t9_111\">The Group takes on exposure to credit risk which is the risk that a counter-party will be unable to pay amounts in </span><span class=\"S1E4E SA7 S2\" id=\"ta_111\">full when due. The Group structures the levels of credit risk it undertakes by placing limits on the amount of risk </span><span class=\"S7AD SA7 S2\" id=\"tb_111\">accepted in relation to one borrower, or banks of borrowers, and to geographical areas and loan types. Such risks </span><span class=\"S1E4F SA7 S2\" id=\"tc_111\">are monitored on a periodical basis and are subject to an annual or more frequent review. The exposure to any </span><span class=\"S1E50 SA7 S2\" id=\"td_111\">borrower including banks and brokers is further restricted by sub-limits covering on and off-balance sheet </span><span class=\"S1E51 SA7 S2\" id=\"te_111\">exposures and daily delivery risk limits in relation to trading items such as forward foreign exchange contracts. </span><span class=\"S1E52 SA7 S2\" id=\"tf_111\">Actual exposures against limits are monitored daily. </span><span class=\"S1E53 SA7 S2\" id=\"tg_111\">Exposure to credit risk is managed through regular analysis of the ability of borrowers and potential borrowers to </span><span class=\"S1E54 SA7 S2\" id=\"th_111\">meet interest and principal repayment obligations and by changing these lending limits when appropriate. </span><span class=\"S1E55 SA7 S2\" id=\"ti_111\">Exposure to credit risk is managed by obtaining collateral, corporate and personal guarantees. </span><span class=\"S1E56 SB S2\" id=\"tj_111\">Defining the expected credit loss on individual and collective basis </span><span class=\"SCCC SB S2\" id=\"tk_111\">On individual basis: </span><span class=\"S1E57 SA7 S2\" id=\"tl_111\">Individually assessed are the non-retail or non- micro- and small enterprise exposure of significant amount on a </span><span class=\"SAC4 SA7 S2\" id=\"tm_111\">stand-alone basis: </span><span class=\"S1E58 S602 S2\" id=\"tn_111\">\u2022 </span><span class=\"S1E59 SA7 S2\" id=\"to_111\">exposure in stage 3, </span><span class=\"S1E5A S602 S2\" id=\"tp_111\">\u2022 </span><span class=\"S1E5B SA7 S2\" id=\"tq_111\">exposure in workout management, </span><span class=\"S1E5C S602 S2\" id=\"tr_111\">\u2022 </span><span class=\"S1E5D SA7 S2\" id=\"ts_111\">purchased or originated credit-impaired instruments which are in accordance with the conditions mentioned </span><span class=\"S1E5E SA7 S2\" id=\"tt_111\">above. </span><span class=\"S1E5F SA7 S2\" id=\"tu_111\">The calculation of impairment must be prepared and approved by the risk management functional areas. The </span><span class=\"S1E60 SA7 S2\" id=\"tv_111\">calculation, all relevant factors (amortized cost, original and current EIR, contracted and expected cash flows (from </span><span class=\"S1E61 SA7 S2\" id=\"tw_111\">business and/or collateral) for the individual periods of the entire lifecycle, other essential information enforced </span><span class=\"S1E62 SA7 S2\" id=\"tx_111\">during the valuation) and the criteria thereof (including the factors underlying the classification as stage 3) must </span><span class=\"S1E63 SA7 S2\" id=\"ty_111\">be documented individually. </span><span class=\"S1E64 S5B9 S2\" id=\"tz_111\">The expected credit loss of the exposure equals the difference of the items\u2019 AC (gross book value) on the valuation </span><span class=\"S1E65 SA7 S2\" id=\"t10_111\">date and the present value of the receivable's expected cash flows discounted to the valuation date by the exposure's </span><span class=\"S1E66 SA7 S2\" id=\"t11_111\">original effective interest rate (EIR) (calculated at the initial recognition, or in the case of variable rate, recalculated </span><span class=\"S1E67 SA7 S2\" id=\"t12_111\">due to the last interest rate change). The estimation of the expected future cash flows should be forward looking, </span><span class=\"S1E68 SA7 S2\" id=\"t13_111\">it must also contain the effects of the possible change of macroeconomic outlook. </span><span class=\"S1E69 SA7 S2\" id=\"t14_111\">At least two scenarios must be used for the estimation of the expected cash flow. It should be at least one scenario </span><span class=\"S1E6A SA7 S2\" id=\"t15_111\">in which the entity anticipates that realized cash flows will be significantly different from the contractual cash </span><span class=\"S1E6B SA7 S2\" id=\"t16_111\">flows. Probability weights must be allocated to the individual scenarios. The estimation must reflect the probability </span><span class=\"S1E6C SA7 S2\" id=\"t17_111\">of the occurrence and non-occurrence of the credit loss, even if the most probable result is the non-occurrence of </span><span class=\"S1E6D SA7 S2\" id=\"t18_111\">the loss. </span><span class=\"S1E6F SB S2\" id=\"t5_112\">37.1.  Credit risk [continued] </span><span class=\"S1E70 SB S2\" id=\"t6_112\">Defining the expected credit loss on individual and collective basis [continued] </span><span class=\"S1E71 SB S2\" id=\"t7_112\">On collective basis: </span><span class=\"S1E72 SA7 S2\" id=\"t8_112\">The following exposures are subject to collective assessment: </span><span class=\"S1E73 S602 S2\" id=\"t9_112\">\u2022 </span><span class=\"S1E74 SA7 S2\" id=\"ta_112\">retail exposure irrespective of the amount, </span><span class=\"S1E75 S602 S2\" id=\"tb_112\">\u2022 </span><span class=\"S1E76 SA7 S2\" id=\"tc_112\">micro and small enterprise exposures irrespective of the amount, </span><span class=\"S1E77 S602 S2\" id=\"td_112\">\u2022 </span><span class=\"S1E78 SA7 S2\" id=\"te_112\">all other exposure which are insignificant on a stand-alone basis and not part of the workout management, </span><span class=\"S1E79 S602 S2\" id=\"tf_112\">\u2022 </span><span class=\"S1E7A SA7 S2\" id=\"tg_112\">exposure which are not in stage 3, significant on a stand-alone basis, </span><span class=\"S1E7B S602 S2\" id=\"th_112\">\u2022 </span><span class=\"S1E7C SA7 S2\" id=\"ti_112\">purchased or originated credit-impaired instruments which are in accordance with the conditions mentioned </span><span class=\"S1E7D SA7 S2\" id=\"tj_112\">above. </span><span class=\"S1E7E SA7 S2\" id=\"tk_112\">In the collective impairment methodology credit risk and the change of credit risk can be correctly captured by </span><span class=\"S1E7F SA7 S2\" id=\"tl_112\">understanding the risk characteristics of the portfolio. In order to achieve this, the main risk drivers shall be </span><span class=\"S1E80 SA7 S2\" id=\"tm_112\">identified and used to form homogeneous segments having similar risk characteristics. The segmentation is </span><span class=\"S1E81 SA7 S2\" id=\"tn_112\">expected to stay stable from month to month, however a regular (at least yearly) revision of the segmentation </span><span class=\"S1E82 SA7 S2\" id=\"to_112\">process should be set up to capture the change of risk characteristics. The segmentation must be performed </span><span class=\"S1E83 SA7 S2\" id=\"tp_112\">separately for each parameter, since in each case different factors may have relevance. </span><span class=\"S1E84 SA7 S2\" id=\"tq_112\">The Bank's Headquarter Group Reserve Committee stipulates the guidelines related to the collective impairment </span><span class=\"S1E85 SA7 S2\" id=\"tr_112\">methodology at group level. In addition, it has right of agreement in respect of the risk parameters (PD -probability </span><span class=\"S1E86 SA7 S2\" id=\"ts_112\">of default, LGD - loss given default, EAD </span><span class=\"S1E87 S5B9 S2\" id=\"tt_112\">\u2013 </span><span class=\"S1E88 SA7 S2\" id=\"tu_112\">exposure at default) and segmentation criteria proposed by the group </span><span class=\"S1E89 SA7 S2\" id=\"tv_112\">members. </span><span class=\"S1E8A SA7 S2\" id=\"tw_112\">The review of the parameters must be performed at least annually, and the results should be approved by the Group </span><span class=\"S1E8B SA7 S2\" id=\"tx_112\">Reserve Committee. Local Risk Managements are responsible for parameter estimations / updates, macroeconomic </span><span class=\"S1E8C SA7 S2\" id=\"ty_112\">scenarios are calculated by OTP Bank Headquarter for each subsidiary and each parameter. Based on the consensus </span><span class=\"S1E8D SA7 S2\" id=\"tz_112\">proposal of Local Risk Management and OTP Bank Headquarter, the Group Reserve Committee decides on the </span><span class=\"S1E8E SA7 S2\" id=\"t10_112\">modification of parameters (all parameters for impairment calculation). </span><span class=\"S1E8F SA7 S2\" id=\"t11_112\">At least on a yearly basis the impairment parameters should be back tested as well. </span><span class=\"S1E90 SA7 S2\" id=\"t12_112\">The expected loss calculation should be forward looking, including forecasts of future economic conditions. This </span><span class=\"S1E91 SA7 S2\" id=\"t13_112\">may be achieved by applying 3-5 different macroeconomic scenarios, which may be integrated in the PD, LGD </span><span class=\"S1E92 SA7 S2\" id=\"t14_112\">and EAD parameters. </span><span class=\"S1E93 SA7 S2\" id=\"t15_112\">In 2022 in Slovenia and Romania the PD parameter estimation was extended to estimate parameters based on </span><span class=\"S1E94 SA7 S2\" id=\"t16_112\">rating categories only. The more granular estimation resulted EUR 11 million less impairment in Slovenia, while </span><span class=\"S1E95 SA7 S2\" id=\"t17_112\">in Romania the RON 95 million impairment release outcome of the review was netted with a post model </span><span class=\"S1E96 SA7 S2\" id=\"t18_112\">adjustment resulting neutral overall effect. </span><span class=\"S1E99 SB S2\" id=\"t5_113\">37.1.  Credit risk [continued] </span><span class=\"S1E9A SB S2\" id=\"t6_113\">37.1.1.  Financial instruments by stages </span><span class=\"S1E9B SA7 S2\" id=\"t7_113\">Gross carrying amount and accumulated loss allowance of financial assets at amortized cost and of interest-bearing securities at fair value through other comprehensive </span><span class=\"S1E9C SA7 S2\" id=\"t8_113\">income and financial commitments and provision on them by stages as at 31 December 2022: </span><span class=\"S1E9D S27D S2\" id=\"t9_113\">Gross carrying amount / Notional value </span><span class=\"S1E9E S27D S2\" id=\"ta_113\">Accumulated loss allowance / Provision </span><span class=\"S1E9F S27D S2\" id=\"tb_113\">2022 </span><span class=\"S1EA0 S27D S2\" id=\"tc_113\">Carrying </span><span class=\"S1EA1 S27D S2\" id=\"td_113\">amount / </span><span class=\"S1EA2 S27D S2\" id=\"te_113\">Exposure </span><span class=\"S1EA3 S27D S2\" id=\"tf_113\">Stage 1 </span><span class=\"S1EA4 S27D S2\" id=\"tg_113\">Stage 2 </span><span class=\"S1EA5 S27D S2\" id=\"th_113\">Stage 3 </span><span class=\"S1EA6 S27D S2\" id=\"ti_113\">POCI </span><span class=\"S1EA7 S27D S2\" id=\"tj_113\">Total </span><span class=\"S1EA8 S27D S2\" id=\"tk_113\">Stage 1 </span><span class=\"S1EA9 S27D S2\" id=\"tl_113\">Stage 2 </span><span class=\"S1EAA S27D S2\" id=\"tm_113\">Stage 3 </span><span class=\"S1EAB S27D S2\" id=\"tn_113\">POCI </span><span class=\"S1EAC S27D S2\" id=\"to_113\">Total </span><span class=\"S1EAD S27E S2\" id=\"tp_113\">Placements with other banks </span><span class=\"S1EAE S27D S2\" id=\"tq_113\">1,351,082 </span><span class=\"S1EAF S27E S2\" id=\"tr_113\">1,354,832 </span><span class=\"S1EB0 S27E S2\" id=\"ts_113\">63 </span><span class=\"S1EB1 S27E S2\" id=\"tt_113\">24 </span><span class=\"S1EB2 S27E S2\" id=\"tu_113\">- </span><span class=\"S1EB3 S27D S2\" id=\"tv_113\">1,354,919 </span><span class=\"S1EB4 S27E S2\" id=\"tw_113\">3,801 </span><span class=\"S1EB5 S27E S2\" id=\"tx_113\">12 </span><span class=\"S1EB6 S27E S2\" id=\"ty_113\">24 </span><span class=\"S1EB7 S27E S2\" id=\"tz_113\">- </span><span class=\"S1EB8 S27D S2\" id=\"t10_113\">3,837 </span><span class=\"S1EB9 S27E S2\" id=\"t11_113\">Repo receivables </span><span class=\"S1EBA S27D S2\" id=\"t12_113\">41,009 </span><span class=\"S1EBB S27E S2\" id=\"t13_113\">41,250 </span><span class=\"S1EBC S27E S2\" id=\"t14_113\">- </span><span class=\"S1EBD S27E S2\" id=\"t15_113\">- </span><span class=\"S1EBE S27E S2\" id=\"t16_113\">- </span><span class=\"S1EBF S27D S2\" id=\"t17_113\">41,250 </span><span class=\"S1EC0 S27E S2\" id=\"t18_113\">241 </span><span class=\"S1EC1 S27E S2\" id=\"t19_113\">- </span><span class=\"S1EC2 S27E S2\" id=\"t1a_113\">- </span><span class=\"S1EC3 S27E S2\" id=\"t1b_113\">- </span><span class=\"S1EC4 S27D S2\" id=\"t1c_113\">241 </span><span class=\"S1EC5 S27E S2\" id=\"t1d_113\">Mortgage loans </span><span class=\"S1EC6 S27D S2\" id=\"t1e_113\">4,433,192 </span><span class=\"S1EC7 S27E S2\" id=\"t1f_113\">3,975,636 </span><span class=\"S1EC8 S27E S2\" id=\"t1g_113\">373,433 </span><span class=\"S1EC9 S27E S2\" id=\"t1h_113\">161,684 </span><span class=\"S1ECA S27E S2\" id=\"t1i_113\">53,844 </span><span class=\"S1ECB S27D S2\" id=\"t1j_113\">4,564,597 </span><span class=\"S1ECC S27E S2\" id=\"t1k_113\">12,638 </span><span class=\"S1ECD S27E S2\" id=\"t1l_113\">23,738 </span><span class=\"S1ECE S27E S2\" id=\"t1m_113\">78,932 </span><span class=\"S1ECF S27E S2\" id=\"t1n_113\">16,097 </span><span class=\"S1ED0 S27D S2\" id=\"t1o_113\">131,405 </span><span class=\"S1ED1 S27E S2\" id=\"t1p_113\">Loans to medium </span><span class=\"S1ED2 S27E S2\" id=\"t1q_113\">and large corporates </span><span class=\"S1ED3 S27D S2\" id=\"t1r_113\">6,824,520 </span><span class=\"S1ED4 S27E S2\" id=\"t1s_113\">5,912,383 </span><span class=\"S1ED5 S27E S2\" id=\"t1t_113\">996,292 </span><span class=\"S1ED6 S27E S2\" id=\"t1u_113\">202,188 </span><span class=\"S1ED7 S27E S2\" id=\"t1v_113\">25,350 </span><span class=\"S1ED8 S27D S2\" id=\"t1w_113\">7,136,213 </span><span class=\"S1ED9 S27E S2\" id=\"t1x_113\">64,479 </span><span class=\"S1EDA S27E S2\" id=\"t1y_113\">100,793 </span><span class=\"S1EDB S27E S2\" id=\"t1z_113\">138,877 </span><span class=\"S1EDC S27E S2\" id=\"t20_113\">7,544 </span><span class=\"S1EDD S27D S2\" id=\"t21_113\">311,693 </span><span class=\"S1EDE S27E S2\" id=\"t22_113\">Consumer loans </span><span class=\"S1EDF S27D S2\" id=\"t23_113\">3,199,520 </span><span class=\"S1EE0 S27E S2\" id=\"t24_113\">2,879,094 </span><span class=\"S1EE1 S27E S2\" id=\"t25_113\">363,047 </span><span class=\"S1EE2 S27E S2\" id=\"t26_113\">388,258 </span><span class=\"S1EE3 S27E S2\" id=\"t27_113\">13,495 </span><span class=\"S1EE4 S27D S2\" id=\"t28_113\">3,643,894 </span><span class=\"S1EE5 S27E S2\" id=\"t29_113\">61,424 </span><span class=\"S1EE6 S27E S2\" id=\"t2a_113\">81,256 </span><span class=\"S1EE7 S27E S2\" id=\"t2b_113\">294,251 </span><span class=\"S1EE8 S27E S2\" id=\"t2c_113\">7,443 </span><span class=\"S1EE9 S27D S2\" id=\"t2d_113\">444,374 </span><span class=\"S1EEA S27E S2\" id=\"t2e_113\">Loans to micro </span><span class=\"S1EEB S27E S2\" id=\"t2f_113\">and small enterprises </span><span class=\"S1EEC S27D S2\" id=\"t2g_113\">594,427 </span><span class=\"S1EED S27E S2\" id=\"t2h_113\">460,940 </span><span class=\"S1EEE S27E S2\" id=\"t2i_113\">114,173 </span><span class=\"S1EEF S27E S2\" id=\"t2j_113\">64,383 </span><span class=\"S1EF0 S27E S2\" id=\"t2k_113\">3,079 </span><span class=\"S1EF1 S27D S2\" id=\"t2l_113\">642,575 </span><span class=\"S1EF2 S27E S2\" id=\"t2m_113\">4,710 </span><span class=\"S1EF3 S27E S2\" id=\"t2n_113\">9,136 </span><span class=\"S1EF4 S27E S2\" id=\"t2o_113\">32,558 </span><span class=\"S1EF5 S27E S2\" id=\"t2p_113\">1,744 </span><span class=\"S1EF6 S27D S2\" id=\"t2q_113\">48,148 </span><span class=\"S1EF7 S27E S2\" id=\"t2r_113\">Car-finance loans </span><span class=\"S1EF8 S27D S2\" id=\"t2s_113\">512,580 </span><span class=\"S1EF9 S27E S2\" id=\"t2t_113\">433,316 </span><span class=\"S1EFA S27E S2\" id=\"t2u_113\">82,146 </span><span class=\"S1EFB S27E S2\" id=\"t2v_113\">20,705 </span><span class=\"S1EFC S27E S2\" id=\"t2w_113\">1,098 </span><span class=\"S1EFD S27D S2\" id=\"t2x_113\">537,265 </span><span class=\"S1EFE S27E S2\" id=\"t2y_113\">5,751 </span><span class=\"S1EFF S27E S2\" id=\"t2z_113\">6,830 </span><span class=\"S1F00 S27E S2\" id=\"t30_113\">11,199 </span><span class=\"S1F01 S27E S2\" id=\"t31_113\">905 </span><span class=\"S1F02 S27D S2\" id=\"t32_113\">24,685 </span><span class=\"S1F03 S27E S2\" id=\"t33_113\">Municipal loans </span><span class=\"S1F04 S27D S2\" id=\"t34_113\">530,219 </span><span class=\"S1F05 S27E S2\" id=\"t35_113\">515,299 </span><span class=\"S1F06 S27E S2\" id=\"t36_113\">20,229 </span><span class=\"S1F07 S27E S2\" id=\"t37_113\">746 </span><span class=\"S1F08 S27E S2\" id=\"t38_113\">- </span><span class=\"S1F09 S27D S2\" id=\"t39_113\">536,274 </span><span class=\"S1F0A S27E S2\" id=\"t3a_113\">3,187 </span><span class=\"S1F0B S27E S2\" id=\"t3b_113\">2,212 </span><span class=\"S1F0C S27E S2\" id=\"t3c_113\">656 </span><span class=\"S1F0D S27E S2\" id=\"t3d_113\">- </span><span class=\"S1F0E S27D S2\" id=\"t3e_113\">6,055 </span><span class=\"S1F0F S27D S2\" id=\"t3f_113\">Loans at amortized cost </span><span class=\"S1F10 S27D S2\" id=\"t3g_113\">16,094,458 </span><span class=\"S1F11 S27D S2\" id=\"t3h_113\">14,176,668 </span><span class=\"S1F12 S27D S2\" id=\"t3i_113\">1,949,320 </span><span class=\"S1F13 S27D S2\" id=\"t3j_113\">837,964 </span><span class=\"S1F14 S27D S2\" id=\"t3k_113\">96,866 </span><span class=\"S1F15 S27D S2\" id=\"t3l_113\">17,060,818 </span><span class=\"S1F16 S27D S2\" id=\"t3m_113\">152,189 </span><span class=\"S1F17 S27D S2\" id=\"t3n_113\">223,965 </span><span class=\"S1F18 S27D S2\" id=\"t3o_113\">556,473 </span><span class=\"S1F19 S27D S2\" id=\"t3p_113\">33,733 </span><span class=\"S1F1A S27D S2\" id=\"t3q_113\">966,360 </span><span class=\"S1F1B S27E S2\" id=\"t3r_113\">Finance lease receivable </span><span class=\"S1F1C S27D S2\" id=\"t3s_113\">1,298,752 </span><span class=\"S1F1D S27E S2\" id=\"t3t_113\">1,045,688 </span><span class=\"S1F1E S27E S2\" id=\"t3u_113\">235,817 </span><span class=\"S1F1F S27E S2\" id=\"t3v_113\">70,050 </span><span class=\"S1F20 S27E S2\" id=\"t3w_113\">328 </span><span class=\"S1F21 S27D S2\" id=\"t3x_113\">1,351,883 </span><span class=\"S1F22 S27E S2\" id=\"t3y_113\">4,797 </span><span class=\"S1F23 S27E S2\" id=\"t3z_113\">15,241 </span><span class=\"S1F24 S27E S2\" id=\"t40_113\">32,875 </span><span class=\"S1F25 S27E S2\" id=\"t41_113\">218 </span><span class=\"S1F26 S27D S2\" id=\"t42_113\">53,131 </span><span class=\"S1F27 S27E S2\" id=\"t43_113\">Interest bearing securities at </span><span class=\"S1F28 S27E S2\" id=\"t44_113\">fair value through other </span><span class=\"S1F29 S27E S2\" id=\"t45_113\">comprehensive income </span><span class=\"S1F2A S1F81 S2\" id=\"t46_113\">1 </span><span class=\"S1F2B S27D S2\" id=\"t47_113\">1,699,446 </span><span class=\"S1F2C S27E S2\" id=\"t48_113\">1,642,481 </span><span class=\"S1F2D S27E S2\" id=\"t49_113\">28,285 </span><span class=\"S1F2E S27E S2\" id=\"t4a_113\">28,680 </span><span class=\"S1F2F S27E S2\" id=\"t4b_113\">- </span><span class=\"S1F30 S27D S2\" id=\"t4c_113\">1,699,446 </span><span class=\"S1F31 S27E S2\" id=\"t4d_113\">13,754 </span><span class=\"S1F32 S27E S2\" id=\"t4e_113\">1,040 </span><span class=\"S1F33 S27E S2\" id=\"t4f_113\">24,831 </span><span class=\"S1F34 S27E S2\" id=\"t4g_113\">- </span><span class=\"S1F35 S27D S2\" id=\"t4h_113\">39,625 </span><span class=\"S1F36 S27E S2\" id=\"t4i_113\">Securities at amortized cost </span><span class=\"S1F37 S27D S2\" id=\"t4j_113\">4,891,938 </span><span class=\"S1F38 S27E S2\" id=\"t4k_113\">4,867,061 </span><span class=\"S1F39 S27E S2\" id=\"t4l_113\">15,141 </span><span class=\"S1F3A S27E S2\" id=\"t4m_113\">52,785 </span><span class=\"S1F3B S27E S2\" id=\"t4n_113\">- </span><span class=\"S1F3C S27D S2\" id=\"t4o_113\">4,934,987 </span><span class=\"S1F3D S27E S2\" id=\"t4p_113\">23,675 </span><span class=\"S1F3E S27E S2\" id=\"t4q_113\">611 </span><span class=\"S1F3F S27E S2\" id=\"t4r_113\">18,763 </span><span class=\"S1F40 S27E S2\" id=\"t4s_113\">- </span><span class=\"S1F41 S27D S2\" id=\"t4t_113\">43,049 </span><span class=\"S1F42 S27D S2\" id=\"t4u_113\">Financial assets total </span><span class=\"S1F43 S27D S2\" id=\"t4v_113\">25,376,685 </span><span class=\"S1F44 S27D S2\" id=\"t4w_113\">23,127,980 </span><span class=\"S1F45 S27D S2\" id=\"t4x_113\">2,228,626 </span><span class=\"S1F46 S27D S2\" id=\"t4y_113\">989,503 </span><span class=\"S1F47 S27D S2\" id=\"t4z_113\">97,194 </span><span class=\"S1F48 S27D S2\" id=\"t50_113\">26,443,303 </span><span class=\"S1F49 S27D S2\" id=\"t51_113\">198,457 </span><span class=\"S1F4A S27D S2\" id=\"t52_113\">240,869 </span><span class=\"S1F4B S27D S2\" id=\"t53_113\">632,966 </span><span class=\"S1F4C S27D S2\" id=\"t54_113\">33,951 </span><span class=\"S1F4D S27D S2\" id=\"t55_113\">1,106,243 </span><span class=\"S1F4E S27E S2\" id=\"t56_113\">Loan commitments given </span><span class=\"S1F4F S27D S2\" id=\"t57_113\">4,191,766 </span><span class=\"S1F50 S27E S2\" id=\"t58_113\">3,954,773 </span><span class=\"S1F51 S27E S2\" id=\"t59_113\">258,655 </span><span class=\"S1F52 S27E S2\" id=\"t5a_113\">16,660 </span><span class=\"S1F53 S27E S2\" id=\"t5b_113\">201 </span><span class=\"S1F54 S27D S2\" id=\"t5c_113\">4,230,289 </span><span class=\"S1F55 S27E S2\" id=\"t5d_113\">24,124 </span><span class=\"S1F56 S27E S2\" id=\"t5e_113\">11,285 </span><span class=\"S1F57 S27E S2\" id=\"t5f_113\">3,085 </span><span class=\"S1F58 S27E S2\" id=\"t5g_113\">29 </span><span class=\"S1F59 S27D S2\" id=\"t5h_113\">38,523 </span><span class=\"S1F5A S27E S2\" id=\"t5i_113\">Financial guarantees given </span><span class=\"S1F5B S27D S2\" id=\"t5j_113\">1,447,014 </span><span class=\"S1F5C S27E S2\" id=\"t5k_113\">1,378,871 </span><span class=\"S1F5D S27E S2\" id=\"t5l_113\">80,187 </span><span class=\"S1F5E S27E S2\" id=\"t5m_113\">7,515 </span><span class=\"S1F5F S27E S2\" id=\"t5n_113\">1 </span><span class=\"S1F60 S27D S2\" id=\"t5o_113\">1,466,574 </span><span class=\"S1F61 S27E S2\" id=\"t5p_113\">14,678 </span><span class=\"S1F62 S27E S2\" id=\"t5q_113\">2,932 </span><span class=\"S1F63 S27E S2\" id=\"t5r_113\">1,950 </span><span class=\"S1F64 S27E S2\" id=\"t5s_113\">- </span><span class=\"S1F65 S27D S2\" id=\"t5t_113\">19,560 </span><span class=\"S1F66 S27E S2\" id=\"t5u_113\">Other commitments given </span><span class=\"S1F67 S27D S2\" id=\"t5v_113\">559,224 </span><span class=\"S1F68 S27E S2\" id=\"t5w_113\">509,314 </span><span class=\"S1F69 S27E S2\" id=\"t5x_113\">20,394 </span><span class=\"S1F6A S27E S2\" id=\"t5y_113\">34,805 </span><span class=\"S1F6B S27E S2\" id=\"t5z_113\">- </span><span class=\"S1F6C S27D S2\" id=\"t60_113\">564,513 </span><span class=\"S1F6D S27E S2\" id=\"t61_113\">2,755 </span><span class=\"S1F6E S27E S2\" id=\"t62_113\">904 </span><span class=\"S1F6F S27E S2\" id=\"t63_113\">1,630 </span><span class=\"S1F70 S27E S2\" id=\"t64_113\">- </span><span class=\"S1F71 S27D S2\" id=\"t65_113\">5,289 </span><span class=\"S1F72 S27D S2\" id=\"t66_113\">Financial liabilities total </span><span class=\"S1F73 S27D S2\" id=\"t67_113\">6,198,004 </span><span class=\"S1F74 S27D S2\" id=\"t68_113\">5,842,958 </span><span class=\"S1F75 S27D S2\" id=\"t69_113\">359,236 </span><span class=\"S1F76 S27D S2\" id=\"t6a_113\">58,980 </span><span class=\"S1F77 S27D S2\" id=\"t6b_113\">202 </span><span class=\"S1F78 S27D S2\" id=\"t6c_113\">6,261,376 </span><span class=\"S1F79 S27D S2\" id=\"t6d_113\">41,557 </span><span class=\"S1F7A S27D S2\" id=\"t6e_113\">15,121 </span><span class=\"S1F7B S27D S2\" id=\"t6f_113\">6,665 </span><span class=\"S1F7C S27D S2\" id=\"t6g_113\">29 </span><span class=\"S1F7D S27D S2\" id=\"t6h_113\">63,372 </span><span class=\"S1F7E S482 S2\" id=\"t6i_113\">1 </span><span class=\"S1F7F S483 S2\" id=\"t6j_113\">Interest bearing securities at fair value through other comprehensive income are recognized in the Consolidated statement of financial position as at fair value (see in Note 9). Loss allowances for securities at fair value </span><span class=\"S1F80 S483 S2\" id=\"t6k_113\">through other comprehensive income that are in Stage 1 and / or in Stage 2 is recognized in the Other comprehensive income. It is included in the accumulated loss allowance of this table showed above. </span><span class=\"S1E99 SB S2\" id=\"t5_114\">37.1.  Credit risk [continued] </span><span class=\"S1F83 SB S2\" id=\"t6_114\">37.1.1.  Financial instruments by stages [continued] </span><span class=\"S1E9B SA7 S2\" id=\"t7_114\">Gross carrying amount and accumulated loss allowance of financial assets at amortized cost and of interest-bearing securities at fair value through other comprehensive </span><span class=\"S1E9C SA7 S2\" id=\"t8_114\">income and financial commitments and provision on them by stages as at 31 December 2021: </span><span class=\"S1E9D S27D S2\" id=\"t9_114\">Gross carrying amount / Notional value </span><span class=\"S1E9E S27D S2\" id=\"ta_114\">Accumulated loss allowance / Provision </span><span class=\"S1E9F S27D S2\" id=\"tb_114\">2021 </span><span class=\"S1F84 S27D S2\" id=\"tc_114\">Carrying </span><span class=\"S1EA1 S27D S2\" id=\"td_114\">amount / </span><span class=\"S1EA2 S27D S2\" id=\"te_114\">Exposure </span><span class=\"S1EA3 S27D S2\" id=\"tf_114\">Stage 1 </span><span class=\"S1EA4 S27D S2\" id=\"tg_114\">Stage 2 </span><span class=\"S1F85 S27D S2\" id=\"th_114\">Stage 3 </span><span class=\"S1EA6 S27D S2\" id=\"ti_114\">POCI </span><span class=\"S1EA7 S27D S2\" id=\"tj_114\">Total </span><span class=\"S1EA8 S27D S2\" id=\"tk_114\">Stage 1 </span><span class=\"S1EA9 S27D S2\" id=\"tl_114\">Stage 2 </span><span class=\"S1EAA S27D S2\" id=\"tm_114\">Stage 3 </span><span class=\"S1EAB S27D S2\" id=\"tn_114\">POCI </span><span class=\"S1EAC S27D S2\" id=\"to_114\">Total </span><span class=\"S1EAD S27E S2\" id=\"tp_114\">Placements with other banks </span><span class=\"S1EAE S27D S2\" id=\"tq_114\">1,584,861 </span><span class=\"S1F86 S27E S2\" id=\"tr_114\">1,587,827 </span><span class=\"S1F87 S27E S2\" id=\"ts_114\">- </span><span class=\"S1F88 S27E S2\" id=\"tt_114\">28 </span><span class=\"S1EB2 S27E S2\" id=\"tu_114\">- </span><span class=\"S1EB3 S27D S2\" id=\"tv_114\">1,587,855 </span><span class=\"S1EB4 S27E S2\" id=\"tw_114\">2,966 </span><span class=\"S1F89 S27E S2\" id=\"tx_114\">- </span><span class=\"S1EB6 S27E S2\" id=\"ty_114\">28 </span><span class=\"S1EB7 S27E S2\" id=\"tz_114\">- </span><span class=\"S1EB8 S27D S2\" id=\"t10_114\">2,994 </span><span class=\"S1EB9 S27E S2\" id=\"t11_114\">Repo receivables </span><span class=\"S1EBA S27D S2\" id=\"t12_114\">61,052 </span><span class=\"S1EBB S27E S2\" id=\"t13_114\">61,342 </span><span class=\"S1EBC S27E S2\" id=\"t14_114\">- </span><span class=\"S1EBD S27E S2\" id=\"t15_114\">- </span><span class=\"S1EBE S27E S2\" id=\"t16_114\">- </span><span class=\"S1EBF S27D S2\" id=\"t17_114\">61,342 </span><span class=\"S1EC0 S27E S2\" id=\"t18_114\">290 </span><span class=\"S1EC1 S27E S2\" id=\"t19_114\">- </span><span class=\"S1EC2 S27E S2\" id=\"t1a_114\">- </span><span class=\"S1EC3 S27E S2\" id=\"t1b_114\">- </span><span class=\"S1F8A S27D S2\" id=\"t1c_114\">290 </span><span class=\"S1EC5 S27E S2\" id=\"t1d_114\">Mortgage loans </span><span class=\"S1EC6 S27D S2\" id=\"t1e_114\">3,822,426 </span><span class=\"S1F8B S27E S2\" id=\"t1f_114\">3,173,491 </span><span class=\"S1EC8 S27E S2\" id=\"t1g_114\">559,939 </span><span class=\"S1F8C S27E S2\" id=\"t1h_114\">178,066 </span><span class=\"S1ECA S27E S2\" id=\"t1i_114\">57,988 </span><span class=\"S1ECB S27D S2\" id=\"t1j_114\">3,969,484 </span><span class=\"S1ECC S27E S2\" id=\"t1k_114\">10,450 </span><span class=\"S1F8D S27E S2\" id=\"t1l_114\">25,590 </span><span class=\"S1ECE S27E S2\" id=\"t1m_114\">84,937 </span><span class=\"S1ECF S27E S2\" id=\"t1n_114\">26,081 </span><span class=\"S1F8E S27D S2\" id=\"t1o_114\">147,058 </span><span class=\"S1ED1 S27E S2\" id=\"t1p_114\">Loans to medium </span><span class=\"S1ED2 S27E S2\" id=\"t1q_114\">and large corporates </span><span class=\"S1ED3 S27D S2\" id=\"t1r_114\">5,294,170 </span><span class=\"S1F8F S27E S2\" id=\"t1s_114\">4,680,180 </span><span class=\"S1ED5 S27E S2\" id=\"t1t_114\">657,586 </span><span class=\"S1F90 S27E S2\" id=\"t1u_114\">158,773 </span><span class=\"S1ED7 S27E S2\" id=\"t1v_114\">24,117 </span><span class=\"S1ED8 S27D S2\" id=\"t1w_114\">5,520,656 </span><span class=\"S1ED9 S27E S2\" id=\"t1x_114\">51,724 </span><span class=\"S1F91 S27E S2\" id=\"t1y_114\">69,724 </span><span class=\"S1F92 S27E S2\" id=\"t1z_114\">98,017 </span><span class=\"S1EDC S27E S2\" id=\"t20_114\">7,021 </span><span class=\"S1F93 S27D S2\" id=\"t21_114\">226,486 </span><span class=\"S1EDE S27E S2\" id=\"t22_114\">Consumer loans </span><span class=\"S1EDF S27D S2\" id=\"t23_114\">2,963,112 </span><span class=\"S1F94 S27E S2\" id=\"t24_114\">2,585,014 </span><span class=\"S1EE1 S27E S2\" id=\"t25_114\">422,975 </span><span class=\"S1F95 S27E S2\" id=\"t26_114\">356,485 </span><span class=\"S1EE3 S27E S2\" id=\"t27_114\">12,856 </span><span class=\"S1EE4 S27D S2\" id=\"t28_114\">3,377,330 </span><span class=\"S1EE5 S27E S2\" id=\"t29_114\">49,104 </span><span class=\"S1F96 S27E S2\" id=\"t2a_114\">84,158 </span><span class=\"S1EE7 S27E S2\" id=\"t2b_114\">274,098 </span><span class=\"S1EE8 S27E S2\" id=\"t2c_114\">6,858 </span><span class=\"S1F97 S27D S2\" id=\"t2d_114\">414,218 </span><span class=\"S1EEA S27E S2\" id=\"t2e_114\">Loans to micro </span><span class=\"S1EEB S27E S2\" id=\"t2f_114\">and small enterprises </span><span class=\"S1EEC S27D S2\" id=\"t2g_114\">500,991 </span><span class=\"S1EED S27E S2\" id=\"t2h_114\">412,247 </span><span class=\"S1F98 S27E S2\" id=\"t2i_114\">76,131 </span><span class=\"S1F99 S27E S2\" id=\"t2j_114\">54,458 </span><span class=\"S1EF0 S27E S2\" id=\"t2k_114\">2,339 </span><span class=\"S1EF1 S27D S2\" id=\"t2l_114\">545,175 </span><span class=\"S1EF2 S27E S2\" id=\"t2m_114\">4,751 </span><span class=\"S1EF3 S27E S2\" id=\"t2n_114\">9,707 </span><span class=\"S1EF4 S27E S2\" id=\"t2o_114\">28,351 </span><span class=\"S1EF5 S27E S2\" id=\"t2p_114\">1,375 </span><span class=\"S1F9A S27D S2\" id=\"t2q_114\">44,184 </span><span class=\"S1EF7 S27E S2\" id=\"t2r_114\">Car-finance loans </span><span class=\"S1EF8 S27D S2\" id=\"t2s_114\">446,341 </span><span class=\"S1EF9 S27E S2\" id=\"t2t_114\">370,790 </span><span class=\"S1EFA S27E S2\" id=\"t2u_114\">79,965 </span><span class=\"S1F9B S27E S2\" id=\"t2v_114\">9,675 </span><span class=\"S1EFC S27E S2\" id=\"t2w_114\">2,452 </span><span class=\"S1EFD S27D S2\" id=\"t2x_114\">462,882 </span><span class=\"S1EFE S27E S2\" id=\"t2y_114\">2,988 </span><span class=\"S1EFF S27E S2\" id=\"t2z_114\">4,978 </span><span class=\"S1F9C S27E S2\" id=\"t30_114\">6,508 </span><span class=\"S1F9D S27E S2\" id=\"t31_114\">2,067 </span><span class=\"S1F9E S27D S2\" id=\"t32_114\">16,541 </span><span class=\"S1F03 S27E S2\" id=\"t33_114\">Municipal loans </span><span class=\"S1F04 S27D S2\" id=\"t34_114\">466,143 </span><span class=\"S1F05 S27E S2\" id=\"t35_114\">444,944 </span><span class=\"S1F06 S27E S2\" id=\"t36_114\">23,890 </span><span class=\"S1F9F S27E S2\" id=\"t37_114\">816 </span><span class=\"S1F08 S27E S2\" id=\"t38_114\">- </span><span class=\"S1F09 S27D S2\" id=\"t39_114\">469,650 </span><span class=\"S1F0A S27E S2\" id=\"t3a_114\">1,372 </span><span class=\"S1F0B S27E S2\" id=\"t3b_114\">1,475 </span><span class=\"S1F0C S27E S2\" id=\"t3c_114\">660 </span><span class=\"S1F0D S27E S2\" id=\"t3d_114\">- </span><span class=\"S1F0E S27D S2\" id=\"t3e_114\">3,507 </span><span class=\"S1F0F S27D S2\" id=\"t3f_114\">Loans at amortized cost </span><span class=\"S1F10 S27D S2\" id=\"t3g_114\">13,493,183 </span><span class=\"S1FA0 S27D S2\" id=\"t3h_114\">11,666,666 </span><span class=\"S1F12 S27D S2\" id=\"t3i_114\">1,820,486 </span><span class=\"S1FA1 S27D S2\" id=\"t3j_114\">758,273 </span><span class=\"S1F14 S27D S2\" id=\"t3k_114\">99,752 </span><span class=\"S1F15 S27D S2\" id=\"t3l_114\">14,345,177 </span><span class=\"S1F16 S27D S2\" id=\"t3m_114\">120,389 </span><span class=\"S1FA2 S27D S2\" id=\"t3n_114\">195,632 </span><span class=\"S1F18 S27D S2\" id=\"t3o_114\">492,571 </span><span class=\"S1F19 S27D S2\" id=\"t3p_114\">43,402 </span><span class=\"S1FA3 S27D S2\" id=\"t3q_114\">851,994 </span><span class=\"S1F1B S27E S2\" id=\"t3r_114\">Finance lease receivable </span><span class=\"S1F1C S27D S2\" id=\"t3s_114\">1,182,628 </span><span class=\"S1FA4 S27E S2\" id=\"t3t_114\">959,361 </span><span class=\"S1F1E S27E S2\" id=\"t3u_114\">210,955 </span><span class=\"S1FA5 S27E S2\" id=\"t3v_114\">41,944 </span><span class=\"S1F20 S27E S2\" id=\"t3w_114\">371 </span><span class=\"S1F21 S27D S2\" id=\"t3x_114\">1,212,631 </span><span class=\"S1F22 S27E S2\" id=\"t3y_114\">4,432 </span><span class=\"S1FA6 S27E S2\" id=\"t3z_114\">11,140 </span><span class=\"S1F24 S27E S2\" id=\"t40_114\">14,243 </span><span class=\"S1F25 S27E S2\" id=\"t41_114\">188 </span><span class=\"S1FA7 S27D S2\" id=\"t42_114\">30,003 </span><span class=\"S1F27 S27E S2\" id=\"t43_114\">Interest bearing securities at </span><span class=\"S1F28 S27E S2\" id=\"t44_114\">fair value through other </span><span class=\"S1F29 S27E S2\" id=\"t45_114\">comprehensive income </span><span class=\"S1F2A S1F81 S2\" id=\"t46_114\">1 </span><span class=\"S1F2B S27D S2\" id=\"t47_114\">2,189,534 </span><span class=\"S1FA8 S27E S2\" id=\"t48_114\">2,187,835 </span><span class=\"S1FA9 S27E S2\" id=\"t49_114\">1,699 </span><span class=\"S1FAA S27E S2\" id=\"t4a_114\">- </span><span class=\"S1F2F S27E S2\" id=\"t4b_114\">- </span><span class=\"S1F30 S27D S2\" id=\"t4c_114\">2,189,534 </span><span class=\"S1FAB S27E S2\" id=\"t4d_114\">6,566 </span><span class=\"S1FAC S27E S2\" id=\"t4e_114\">144 </span><span class=\"S1FAD S27E S2\" id=\"t4f_114\">- </span><span class=\"S1F34 S27E S2\" id=\"t4g_114\">- </span><span class=\"S1FAE S27D S2\" id=\"t4h_114\">6,710 </span><span class=\"S1F36 S27E S2\" id=\"t4i_114\">Securities at amortized cost </span><span class=\"S1F37 S27D S2\" id=\"t4j_114\">3,891,335 </span><span class=\"S1FAF S27E S2\" id=\"t4k_114\">3,879,749 </span><span class=\"S1F39 S27E S2\" id=\"t4l_114\">20,699 </span><span class=\"S1FB0 S27E S2\" id=\"t4m_114\">- </span><span class=\"S1F3B S27E S2\" id=\"t4n_114\">- </span><span class=\"S1F3C S27D S2\" id=\"t4o_114\">3,900,448 </span><span class=\"S1FB1 S27E S2\" id=\"t4p_114\">7,789 </span><span class=\"S1FB2 S27E S2\" id=\"t4q_114\">1,324 </span><span class=\"S1FB3 S27E S2\" id=\"t4r_114\">- </span><span class=\"S1F40 S27E S2\" id=\"t4s_114\">- </span><span class=\"S1FB4 S27D S2\" id=\"t4t_114\">9,113 </span><span class=\"S1F42 S27D S2\" id=\"t4u_114\">Financial assets total </span><span class=\"S1F43 S27D S2\" id=\"t4v_114\">22,402,593 </span><span class=\"S1FB5 S27D S2\" id=\"t4w_114\">20,342,780 </span><span class=\"S1F45 S27D S2\" id=\"t4x_114\">2,053,839 </span><span class=\"S1FB6 S27D S2\" id=\"t4y_114\">800,245 </span><span class=\"S1FB7 S27D S2\" id=\"t4z_114\">100,123 </span><span class=\"S1F48 S27D S2\" id=\"t50_114\">23,296,987 </span><span class=\"S1F49 S27D S2\" id=\"t51_114\">142,432 </span><span class=\"S1FB8 S27D S2\" id=\"t52_114\">208,240 </span><span class=\"S1F4B S27D S2\" id=\"t53_114\">506,842 </span><span class=\"S1F4C S27D S2\" id=\"t54_114\">43,590 </span><span class=\"S1FB9 S27D S2\" id=\"t55_114\">901,104 </span><span class=\"S1F4E S27E S2\" id=\"t56_114\">Loan commitments given </span><span class=\"S1F4F S27D S2\" id=\"t57_114\">3,776,768 </span><span class=\"S1FBA S27E S2\" id=\"t58_114\">3,665,153 </span><span class=\"S1F51 S27E S2\" id=\"t59_114\">128,603 </span><span class=\"S1FBB S27E S2\" id=\"t5a_114\">14,805 </span><span class=\"S1F53 S27E S2\" id=\"t5b_114\">211 </span><span class=\"S1F54 S27D S2\" id=\"t5c_114\">3,808,772 </span><span class=\"S1F55 S27E S2\" id=\"t5d_114\">20,539 </span><span class=\"S1FBC S27E S2\" id=\"t5e_114\">7,482 </span><span class=\"S1F57 S27E S2\" id=\"t5f_114\">3,961 </span><span class=\"S1F58 S27E S2\" id=\"t5g_114\">22 </span><span class=\"S1FBD S27D S2\" id=\"t5h_114\">32,004 </span><span class=\"S1F5A S27E S2\" id=\"t5i_114\">Financial guarantees given </span><span class=\"S1FBE S27D S2\" id=\"t5j_114\">913,038 </span><span class=\"S1FBF S27E S2\" id=\"t5k_114\">887,585 </span><span class=\"S1F5D S27E S2\" id=\"t5l_114\">35,648 </span><span class=\"S1F5E S27E S2\" id=\"t5m_114\">4,568 </span><span class=\"S1F5F S27E S2\" id=\"t5n_114\">7 </span><span class=\"S1FC0 S27D S2\" id=\"t5o_114\">927,808 </span><span class=\"S1F61 S27E S2\" id=\"t5p_114\">11,814 </span><span class=\"S1F62 S27E S2\" id=\"t5q_114\">1,408 </span><span class=\"S1F63 S27E S2\" id=\"t5r_114\">1,542 </span><span class=\"S1FC1 S27E S2\" id=\"t5s_114\">6 </span><span class=\"S1FC2 S27D S2\" id=\"t5t_114\">14,770 </span><span class=\"S1F66 S27E S2\" id=\"t5u_114\">Other commitments given </span><span class=\"S1FC3 S27D S2\" id=\"t5v_114\">1,174,462 </span><span class=\"S1FC4 S27E S2\" id=\"t5w_114\">1,127,354 </span><span class=\"S1F69 S27E S2\" id=\"t5x_114\">44,064 </span><span class=\"S1FC5 S27E S2\" id=\"t5y_114\">8,260 </span><span class=\"S1F6B S27E S2\" id=\"t5z_114\">- </span><span class=\"S1FC6 S27D S2\" id=\"t60_114\">1,179,678 </span><span class=\"S1F6D S27E S2\" id=\"t61_114\">3,170 </span><span class=\"S1FC7 S27E S2\" id=\"t62_114\">1,140 </span><span class=\"S1FC8 S27E S2\" id=\"t63_114\">906 </span><span class=\"S1F70 S27E S2\" id=\"t64_114\">- </span><span class=\"S1F71 S27D S2\" id=\"t65_114\">5,216 </span><span class=\"S1F72 S27D S2\" id=\"t66_114\">Financial liabilities total </span><span class=\"S1F73 S27D S2\" id=\"t67_114\">5,864,268 </span><span class=\"S1FC9 S27D S2\" id=\"t68_114\">5,680,092 </span><span class=\"S1F75 S27D S2\" id=\"t69_114\">208,315 </span><span class=\"S1FCA S27D S2\" id=\"t6a_114\">27,633 </span><span class=\"S1F77 S27D S2\" id=\"t6b_114\">218 </span><span class=\"S1F78 S27D S2\" id=\"t6c_114\">5,916,258 </span><span class=\"S1F79 S27D S2\" id=\"t6d_114\">35,523 </span><span class=\"S1FCB S27D S2\" id=\"t6e_114\">10,030 </span><span class=\"S1F7B S27D S2\" id=\"t6f_114\">6,409 </span><span class=\"S1F7C S27D S2\" id=\"t6g_114\">28 </span><span class=\"S1FCC S27D S2\" id=\"t6h_114\">51,990 </span><span class=\"S1FCD S482 S2\" id=\"t6i_114\">1 </span><span class=\"S1FCE S483 S2\" id=\"t6j_114\">Interest bearing securities at fair value through other comprehensive income are recognized in the Consolidated statement of financial position as at fair value (see in Note 9). Loss allowances for securities at fair value </span><span class=\"S1FCF S483 S2\" id=\"t6k_114\">through other comprehensive income that are in Stage 1 and / or in Stage 2 is recognized in the Other comprehensive income. It is included in the accumulated loss allowance of this table showed above. </span><span class=\"S1FD0 SB S2\" id=\"t5_115\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_115\">37.1.2. </span><span class=\"S1FD2 SB S2\" id=\"t7_115\">Movement table of loss allowance / provision on financial instruments </span><span class=\"S1FD3 SA7 S2\" id=\"t8_115\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1FD4 SA7 S2\" id=\"t9_115\">financial commitments as at 31 December 2022: </span><span class=\"S1FD5 SC43 S2\" id=\"ta_115\">2022 </span><span class=\"S1FD6 SC43 S2\" id=\"tb_115\">Opening </span><span class=\"S1FD7 SC43 S2\" id=\"tc_115\">balance </span><span class=\"S1FD8 SC43 S2\" id=\"td_115\">Increases </span><span class=\"S1FD9 SC43 S2\" id=\"te_115\">due to </span><span class=\"S1FDA SC43 S2\" id=\"tf_115\">origination </span><span class=\"S1FDB SC43 S2\" id=\"tg_115\">and </span><span class=\"S1FDC SC43 S2\" id=\"th_115\">acquisition </span><span class=\"S1FDD SC43 S2\" id=\"ti_115\">Decreases due </span><span class=\"S1FDE SC43 S2\" id=\"tj_115\">to derecognition </span><span class=\"S1FDF SC43 S2\" id=\"tk_115\">Transfers </span><span class=\"S1FE0 SC43 S2\" id=\"tl_115\">between </span><span class=\"S1FE1 SC43 S2\" id=\"tm_115\">stages (net) </span><span class=\"S1FE2 SC43 S2\" id=\"tn_115\">Changes </span><span class=\"S1FE3 SC43 S2\" id=\"to_115\">due to </span><span class=\"S1FE4 SC43 S2\" id=\"tp_115\">change in </span><span class=\"S1FE5 SC43 S2\" id=\"tq_115\">credit risk </span><span class=\"S1FE6 SC43 S2\" id=\"tr_115\">(net) </span><span class=\"S1FE7 SC43 S2\" id=\"ts_115\">Changes due </span><span class=\"S1FE8 SC43 S2\" id=\"tt_115\">to </span><span class=\"S1FE9 SC43 S2\" id=\"tu_115\">modifications </span><span class=\"S1FEA SC43 S2\" id=\"tv_115\">without </span><span class=\"S1FEB SC43 S2\" id=\"tw_115\">derecognition </span><span class=\"S1FEC SC43 S2\" id=\"tx_115\">(net) </span><span class=\"S1FED SC43 S2\" id=\"ty_115\">Decrease in loss </span><span class=\"S1FEE SC43 S2\" id=\"tz_115\">allowance account </span><span class=\"S1FEF SC43 S2\" id=\"t10_115\">due to write-offs </span><span class=\"S1FF0 SC43 S2\" id=\"t11_115\">Other </span><span class=\"S1FF1 SC43 S2\" id=\"t12_115\">adjustments </span><span class=\"S1FF2 S20BA S2\" id=\"t13_115\">1 </span><span class=\"S1FF3 SC43 S2\" id=\"t14_115\">Closing </span><span class=\"S1FF4 SC43 S2\" id=\"t15_115\">balance </span><span class=\"S1FF5 SC43 S2\" id=\"t16_115\">Stage 1 </span><span class=\"S1FF6 SC43 S2\" id=\"t17_115\">142,432 </span><span class=\"S1FF7 SC43 S2\" id=\"t18_115\">138,017 </span><span class=\"S1FF8 SC43 S2\" id=\"t19_115\">(43,066) </span><span class=\"S1FF9 SC43 S2\" id=\"t1a_115\">(120,475) </span><span class=\"S1FFA SC43 S2\" id=\"t1b_115\">71,441 </span><span class=\"S1FFB SC43 S2\" id=\"t1c_115\">(4,547) </span><span class=\"S1FFC SC43 S2\" id=\"t1d_115\">(88) </span><span class=\"S1FFD SC43 S2\" id=\"t1e_115\">14,743 </span><span class=\"S1FFE SC43 S2\" id=\"t1f_115\">198,457 </span><span class=\"S1FFF S483 S2\" id=\"t1g_115\">Placements with other banks </span><span class=\"S2000 S483 S2\" id=\"t1h_115\">2,966 </span><span class=\"S2001 S483 S2\" id=\"t1i_115\">34,558 </span><span class=\"S2002 S483 S2\" id=\"t1j_115\">(11,574) </span><span class=\"S2003 S483 S2\" id=\"t1k_115\">(1,345) </span><span class=\"S2004 S483 S2\" id=\"t1l_115\">(20,902) </span><span class=\"S2005 S483 S2\" id=\"t1m_115\">- </span><span class=\"S2006 S483 S2\" id=\"t1n_115\">- </span><span class=\"S2007 S483 S2\" id=\"t1o_115\">98 </span><span class=\"S2008 S483 S2\" id=\"t1p_115\">3,801 </span><span class=\"S2009 S483 S2\" id=\"t1q_115\">Repo receivables </span><span class=\"S200A S483 S2\" id=\"t1r_115\">290 </span><span class=\"S200B S483 S2\" id=\"t1s_115\">4,457 </span><span class=\"S200C S483 S2\" id=\"t1t_115\">(389) </span><span class=\"S200D S483 S2\" id=\"t1u_115\">- </span><span class=\"S200E S483 S2\" id=\"t1v_115\">(1,044) </span><span class=\"S200F S483 S2\" id=\"t1w_115\">- </span><span class=\"S2010 S483 S2\" id=\"t1x_115\">- </span><span class=\"S2011 S483 S2\" id=\"t1y_115\">(3,073) </span><span class=\"S2012 S483 S2\" id=\"t1z_115\">241 </span><span class=\"S2013 S483 S2\" id=\"t20_115\">Loans at amortized cost </span><span class=\"S2014 S483 S2\" id=\"t21_115\">120,389 </span><span class=\"S2015 S483 S2\" id=\"t22_115\">93,238 </span><span class=\"S2016 S483 S2\" id=\"t23_115\">(28,281) </span><span class=\"S2017 S483 S2\" id=\"t24_115\">(101,521) </span><span class=\"S2018 S483 S2\" id=\"t25_115\">56,228 </span><span class=\"S2019 S483 S2\" id=\"t26_115\">(4,576) </span><span class=\"S201A S483 S2\" id=\"t27_115\">(88) </span><span class=\"S201B S483 S2\" id=\"t28_115\">16,800 </span><span class=\"S201C S483 S2\" id=\"t29_115\">152,189 </span><span class=\"S201D S483 S2\" id=\"t2a_115\">Finance lease receivables </span><span class=\"S201E S483 S2\" id=\"t2b_115\">4,432 </span><span class=\"S201F S483 S2\" id=\"t2c_115\">2,647 </span><span class=\"S2020 S483 S2\" id=\"t2d_115\">(1,105) </span><span class=\"S2021 S483 S2\" id=\"t2e_115\">1,668 </span><span class=\"S2022 S483 S2\" id=\"t2f_115\">(3,384) </span><span class=\"S2023 S483 S2\" id=\"t2g_115\">29 </span><span class=\"S2024 S483 S2\" id=\"t2h_115\">- </span><span class=\"S2025 S483 S2\" id=\"t2i_115\">510 </span><span class=\"S2026 S483 S2\" id=\"t2j_115\">4,797 </span><span class=\"S2027 S483 S2\" id=\"t2k_115\">Interest bearing securities at fair value through </span><span class=\"S2028 S483 S2\" id=\"t2l_115\">other comprehensive income and securities </span><span class=\"S2029 S483 S2\" id=\"t2m_115\">at amortized cost </span><span class=\"S202A S483 S2\" id=\"t2n_115\">14,355 </span><span class=\"S202B S483 S2\" id=\"t2o_115\">3,117 </span><span class=\"S202C S483 S2\" id=\"t2p_115\">(1,717) </span><span class=\"S202D S483 S2\" id=\"t2q_115\">(19,277) </span><span class=\"S202E S483 S2\" id=\"t2r_115\">40,543 </span><span class=\"S202F S483 S2\" id=\"t2s_115\">- </span><span class=\"S2030 S483 S2\" id=\"t2t_115\">408 </span><span class=\"S2031 S483 S2\" id=\"t2u_115\">37,429 </span><span class=\"S2032 SC43 S2\" id=\"t2v_115\">Stage 2 </span><span class=\"S2033 SC43 S2\" id=\"t2w_115\">208,240 </span><span class=\"S2034 SC43 S2\" id=\"t2x_115\">52,749 </span><span class=\"S2035 SC43 S2\" id=\"t2y_115\">(24,038) </span><span class=\"S2036 SC43 S2\" id=\"t2z_115\">9,927 </span><span class=\"S2037 SC43 S2\" id=\"t30_115\">(26,352) </span><span class=\"S2038 SC43 S2\" id=\"t31_115\">6,158 </span><span class=\"S2039 SC43 S2\" id=\"t32_115\">(959) </span><span class=\"S203A SC43 S2\" id=\"t33_115\">15,144 </span><span class=\"S203B SC43 S2\" id=\"t34_115\">240,869 </span><span class=\"S203C S483 S2\" id=\"t35_115\">Placements with other banks </span><span class=\"S203D S483 S2\" id=\"t36_115\">- </span><span class=\"S203E S483 S2\" id=\"t37_115\">- </span><span class=\"S203F S483 S2\" id=\"t38_115\">- </span><span class=\"S2040 S483 S2\" id=\"t39_115\">1,345 </span><span class=\"S2041 S483 S2\" id=\"t3a_115\">(1,518) </span><span class=\"S2042 S483 S2\" id=\"t3b_115\">- </span><span class=\"S2043 S483 S2\" id=\"t3c_115\">- </span><span class=\"S2044 S483 S2\" id=\"t3d_115\">185 </span><span class=\"S2045 S483 S2\" id=\"t3e_115\">12 </span><span class=\"S2046 S483 S2\" id=\"t3f_115\">Repo receivables </span><span class=\"S2047 S483 S2\" id=\"t3g_115\">- </span><span class=\"S2048 S483 S2\" id=\"t3h_115\">- </span><span class=\"S2049 S483 S2\" id=\"t3i_115\">- </span><span class=\"S204A S483 S2\" id=\"t3j_115\">- </span><span class=\"S204B S483 S2\" id=\"t3k_115\">- </span><span class=\"S204C S483 S2\" id=\"t3l_115\">- </span><span class=\"S204D S483 S2\" id=\"t3m_115\">- </span><span class=\"S204E S483 S2\" id=\"t3n_115\">- </span><span class=\"S204F S483 S2\" id=\"t3o_115\">- </span><span class=\"S2050 S483 S2\" id=\"t3p_115\">Loans at amortized cost </span><span class=\"S2051 S483 S2\" id=\"t3q_115\">195,632 </span><span class=\"S2052 S483 S2\" id=\"t3r_115\">42,790 </span><span class=\"S2053 S483 S2\" id=\"t3s_115\">(22,408) </span><span class=\"S2054 S483 S2\" id=\"t3t_115\">12,796 </span><span class=\"S2055 S483 S2\" id=\"t3u_115\">(23,558) </span><span class=\"S2056 S483 S2\" id=\"t3v_115\">6,174 </span><span class=\"S2057 S483 S2\" id=\"t3w_115\">(959) </span><span class=\"S2058 S483 S2\" id=\"t3x_115\">13,498 </span><span class=\"S2059 S483 S2\" id=\"t3y_115\">223,965 </span><span class=\"S205A S483 S2\" id=\"t3z_115\">Finance lease receivables </span><span class=\"S205B S483 S2\" id=\"t40_115\">11,140 </span><span class=\"S205C S483 S2\" id=\"t41_115\">6,646 </span><span class=\"S205D S483 S2\" id=\"t42_115\">(1,630) </span><span class=\"S205E S483 S2\" id=\"t43_115\">(4,296) </span><span class=\"S205F S483 S2\" id=\"t44_115\">2,102 </span><span class=\"S2060 S483 S2\" id=\"t45_115\">(16) </span><span class=\"S2061 S483 S2\" id=\"t46_115\">- </span><span class=\"S2062 S483 S2\" id=\"t47_115\">1,295 </span><span class=\"S2063 S483 S2\" id=\"t48_115\">15,241 </span><span class=\"S2064 S483 S2\" id=\"t49_115\">Interest bearing securities at fair value through </span><span class=\"S2065 S483 S2\" id=\"t4a_115\">other comprehensive income and securities </span><span class=\"S2066 S483 S2\" id=\"t4b_115\">at amortized cost </span><span class=\"S2067 S483 S2\" id=\"t4c_115\">1,468 </span><span class=\"S2068 S483 S2\" id=\"t4d_115\">3,313 </span><span class=\"S2069 S483 S2\" id=\"t4e_115\">- </span><span class=\"S206A S483 S2\" id=\"t4f_115\">82 </span><span class=\"S206B S483 S2\" id=\"t4g_115\">(3,378) </span><span class=\"S206C S483 S2\" id=\"t4h_115\">- </span><span class=\"S206D S483 S2\" id=\"t4i_115\">- </span><span class=\"S206E S483 S2\" id=\"t4j_115\">166 </span><span class=\"S206F S483 S2\" id=\"t4k_115\">1,651 </span><span class=\"S2070 SC43 S2\" id=\"t4l_115\">Stage 3 </span><span class=\"S2071 SC43 S2\" id=\"t4m_115\">506,842 </span><span class=\"S2072 SC43 S2\" id=\"t4n_115\">72,119 </span><span class=\"S2073 SC43 S2\" id=\"t4o_115\">(52,134) </span><span class=\"S2074 SC43 S2\" id=\"t4p_115\">110,548 </span><span class=\"S2075 SC43 S2\" id=\"t4q_115\">69,855 </span><span class=\"S2076 SC43 S2\" id=\"t4r_115\">743 </span><span class=\"S2077 SC43 S2\" id=\"t4s_115\">(124,057) </span><span class=\"S2078 SC43 S2\" id=\"t4t_115\">49,050 </span><span class=\"S2079 SC43 S2\" id=\"t4u_115\">632,966 </span><span class=\"S207A S483 S2\" id=\"t4v_115\">Placements with other banks </span><span class=\"S207B S483 S2\" id=\"t4w_115\">28 </span><span class=\"S207C S483 S2\" id=\"t4x_115\">11 </span><span class=\"S207D S483 S2\" id=\"t4y_115\">(14) </span><span class=\"S207E S483 S2\" id=\"t4z_115\">- </span><span class=\"S207F S483 S2\" id=\"t50_115\">(121) </span><span class=\"S2080 S483 S2\" id=\"t51_115\">- </span><span class=\"S2081 S483 S2\" id=\"t52_115\">(4) </span><span class=\"S2082 S483 S2\" id=\"t53_115\">124 </span><span class=\"S2083 S483 S2\" id=\"t54_115\">24 </span><span class=\"S2084 S483 S2\" id=\"t55_115\">Repo receivables </span><span class=\"S2085 S483 S2\" id=\"t56_115\">- </span><span class=\"S2086 S483 S2\" id=\"t57_115\">- </span><span class=\"S2087 S483 S2\" id=\"t58_115\">- </span><span class=\"S2088 S483 S2\" id=\"t59_115\">- </span><span class=\"S2089 S483 S2\" id=\"t5a_115\">- </span><span class=\"S208A S483 S2\" id=\"t5b_115\">- </span><span class=\"S208B S483 S2\" id=\"t5c_115\">- </span><span class=\"S208C S483 S2\" id=\"t5d_115\">- </span><span class=\"S208D S483 S2\" id=\"t5e_115\">- </span><span class=\"S208E S483 S2\" id=\"t5f_115\">Loans at amortized cost </span><span class=\"S208F S483 S2\" id=\"t5g_115\">492,571 </span><span class=\"S2090 S483 S2\" id=\"t5h_115\">34,977 </span><span class=\"S2091 S483 S2\" id=\"t5i_115\">(49,466) </span><span class=\"S2092 S483 S2\" id=\"t5j_115\">88,725 </span><span class=\"S2093 S483 S2\" id=\"t5k_115\">67,932 </span><span class=\"S2094 S483 S2\" id=\"t5l_115\">743 </span><span class=\"S2095 S483 S2\" id=\"t5m_115\">(122,687) </span><span class=\"S2096 S483 S2\" id=\"t5n_115\">43,678 </span><span class=\"S2097 S483 S2\" id=\"t5o_115\">556,473 </span><span class=\"S2098 S483 S2\" id=\"t5p_115\">Finance lease receivables </span><span class=\"S2099 S483 S2\" id=\"t5q_115\">14,243 </span><span class=\"S209A S483 S2\" id=\"t5r_115\">12,732 </span><span class=\"S209B S483 S2\" id=\"t5s_115\">(2,654) </span><span class=\"S209C S483 S2\" id=\"t5t_115\">2,628 </span><span class=\"S209D S483 S2\" id=\"t5u_115\">3,374 </span><span class=\"S209E S483 S2\" id=\"t5v_115\">- </span><span class=\"S209F S483 S2\" id=\"t5w_115\">(1,366) </span><span class=\"S20A0 S483 S2\" id=\"t5x_115\">3,918 </span><span class=\"S20A1 S483 S2\" id=\"t5y_115\">32,875 </span><span class=\"S20A2 S483 S2\" id=\"t5z_115\">Interest bearing securities at fair value through </span><span class=\"S20A3 S483 S2\" id=\"t60_115\">other comprehensive income and securities </span><span class=\"S20A4 S483 S2\" id=\"t61_115\">at amortized cost </span><span class=\"S20A5 S483 S2\" id=\"t62_115\">- </span><span class=\"S20A6 S483 S2\" id=\"t63_115\">24,399 </span><span class=\"S20A7 S483 S2\" id=\"t64_115\">- </span><span class=\"S20A8 S483 S2\" id=\"t65_115\">19,195 </span><span class=\"S20A9 S483 S2\" id=\"t66_115\">(1,330) </span><span class=\"S20AA S483 S2\" id=\"t67_115\">- </span><span class=\"S20AB S483 S2\" id=\"t68_115\">- </span><span class=\"S20AC S483 S2\" id=\"t69_115\">1,330 </span><span class=\"S20AD S483 S2\" id=\"t6a_115\">43,594 </span><span class=\"S20AE SC43 S2\" id=\"t6b_115\">Loss allowance on financial assets subtotal </span><span class=\"S20AF SC43 S2\" id=\"t6c_115\">857,514 </span><span class=\"S20B0 SC43 S2\" id=\"t6d_115\">262,885 </span><span class=\"S20B1 SC43 S2\" id=\"t6e_115\">(119,238) </span><span class=\"S20B2 SC43 S2\" id=\"t6f_115\">- </span><span class=\"S20B3 SC43 S2\" id=\"t6g_115\">114,944 </span><span class=\"S20B4 SC43 S2\" id=\"t6h_115\">2,354 </span><span class=\"S20B5 SC43 S2\" id=\"t6i_115\">(125,104) </span><span class=\"S20B6 SC43 S2\" id=\"t6j_115\">78,937 </span><span class=\"S20B7 SC43 S2\" id=\"t6k_115\">1,072,292 </span><span class=\"S20B8 S482 S2\" id=\"t6l_115\">1 </span><span class=\"S20B9 S483 S2\" id=\"t6m_115\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_116\">37.1.  Credit risk [continued] </span><span class=\"S20BB SB S2\" id=\"t6_116\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_116\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1E9C SA7 S2\" id=\"t8_116\">financial commitments as at 31 December 2022 [continued]: </span><span class=\"S1FD5 SC43 S2\" id=\"t9_116\">2022 </span><span class=\"S1FD6 SC43 S2\" id=\"ta_116\">Opening </span><span class=\"S1FD7 SC43 S2\" id=\"tb_116\">balance </span><span class=\"S1FD8 SC43 S2\" id=\"tc_116\">Increases </span><span class=\"S1FD9 SC43 S2\" id=\"td_116\">due to </span><span class=\"S1FDA SC43 S2\" id=\"te_116\">origination </span><span class=\"S20BC SC43 S2\" id=\"tf_116\">and </span><span class=\"S1FDC SC43 S2\" id=\"tg_116\">acquisition </span><span class=\"S1FDD SC43 S2\" id=\"th_116\">Decreases due </span><span class=\"S1FDE SC43 S2\" id=\"ti_116\">to derecognition </span><span class=\"S1FDF SC43 S2\" id=\"tj_116\">Transfers </span><span class=\"S1FE0 SC43 S2\" id=\"tk_116\">between </span><span class=\"S1FE1 SC43 S2\" id=\"tl_116\">stages (net) </span><span class=\"S1FE2 SC43 S2\" id=\"tm_116\">Changes </span><span class=\"S1FE3 SC43 S2\" id=\"tn_116\">due to </span><span class=\"S1FE4 SC43 S2\" id=\"to_116\">change in </span><span class=\"S1FE5 SC43 S2\" id=\"tp_116\">credit risk </span><span class=\"S1FE6 SC43 S2\" id=\"tq_116\">(net) </span><span class=\"S1FE7 SC43 S2\" id=\"tr_116\">Changes due </span><span class=\"S1FE8 SC43 S2\" id=\"ts_116\">to </span><span class=\"S1FE9 SC43 S2\" id=\"tt_116\">modifications </span><span class=\"S1FEA SC43 S2\" id=\"tu_116\">without </span><span class=\"S1FEB SC43 S2\" id=\"tv_116\">derecognition </span><span class=\"S1FEC SC43 S2\" id=\"tw_116\">(net) </span><span class=\"S1FED SC43 S2\" id=\"tx_116\">Decrease in loss </span><span class=\"S20BD SC43 S2\" id=\"ty_116\">allowance account </span><span class=\"S1FEF SC43 S2\" id=\"tz_116\">due to write-offs </span><span class=\"S1FF0 SC43 S2\" id=\"t10_116\">Other </span><span class=\"S1FF1 SC43 S2\" id=\"t11_116\">adjustments </span><span class=\"S1FF2 S20BA S2\" id=\"t12_116\">1 </span><span class=\"S1FF3 SC43 S2\" id=\"t13_116\">Closing </span><span class=\"S1FF4 SC43 S2\" id=\"t14_116\">balance </span><span class=\"S20BE SC43 S2\" id=\"t15_116\">POCI </span><span class=\"S20BF SC43 S2\" id=\"t16_116\">43,590 </span><span class=\"S20C0 SC43 S2\" id=\"t17_116\">- </span><span class=\"S20C1 SC43 S2\" id=\"t18_116\">(3,534) </span><span class=\"S20C2 SC43 S2\" id=\"t19_116\">- </span><span class=\"S20C3 SC43 S2\" id=\"t1a_116\">6,116 </span><span class=\"S20C4 SC43 S2\" id=\"t1b_116\">(138) </span><span class=\"S20C5 SC43 S2\" id=\"t1c_116\">(6,610) </span><span class=\"S20C6 SC43 S2\" id=\"t1d_116\">(5,473) </span><span class=\"S20C7 SC43 S2\" id=\"t1e_116\">33,951 </span><span class=\"S20C8 S483 S2\" id=\"t1f_116\">Placements with other banks </span><span class=\"S20C9 S483 S2\" id=\"t1g_116\">- </span><span class=\"S20CA S483 S2\" id=\"t1h_116\">- </span><span class=\"S20CB S483 S2\" id=\"t1i_116\">- </span><span class=\"S200D S483 S2\" id=\"t1j_116\">- </span><span class=\"S20CC S483 S2\" id=\"t1k_116\">- </span><span class=\"S200F S483 S2\" id=\"t1l_116\">- </span><span class=\"S2010 S483 S2\" id=\"t1m_116\">- </span><span class=\"S20CD S483 S2\" id=\"t1n_116\">- </span><span class=\"S20CE S483 S2\" id=\"t1o_116\">- </span><span class=\"S20CF S483 S2\" id=\"t1p_116\">Repo receivables </span><span class=\"S20D0 S483 S2\" id=\"t1q_116\">- </span><span class=\"S20D1 S483 S2\" id=\"t1r_116\">- </span><span class=\"S20D2 S483 S2\" id=\"t1s_116\">- </span><span class=\"S20D3 S483 S2\" id=\"t1t_116\">- </span><span class=\"S20D4 S483 S2\" id=\"t1u_116\">- </span><span class=\"S20D5 S483 S2\" id=\"t1v_116\">- </span><span class=\"S20D6 S483 S2\" id=\"t1w_116\">- </span><span class=\"S20D7 S483 S2\" id=\"t1x_116\">- </span><span class=\"S20D8 S483 S2\" id=\"t1y_116\">- </span><span class=\"S20D9 S483 S2\" id=\"t1z_116\">Loans at amortized cost </span><span class=\"S20DA S483 S2\" id=\"t20_116\">43,402 </span><span class=\"S2020 S483 S2\" id=\"t21_116\">(3,434) </span><span class=\"S20DB S483 S2\" id=\"t22_116\">- </span><span class=\"S20DC S483 S2\" id=\"t23_116\">6,098 </span><span class=\"S20DD S483 S2\" id=\"t24_116\">(138) </span><span class=\"S20DE S483 S2\" id=\"t25_116\">(6,572) </span><span class=\"S20DF S483 S2\" id=\"t26_116\">(5,623) </span><span class=\"S20E0 S483 S2\" id=\"t27_116\">33,733 </span><span class=\"S20E1 S483 S2\" id=\"t28_116\">Finance lease receivables </span><span class=\"S20E2 S483 S2\" id=\"t29_116\">188 </span><span class=\"S20E3 S483 S2\" id=\"t2a_116\">- </span><span class=\"S20E4 S483 S2\" id=\"t2b_116\">(100) </span><span class=\"S20E5 S483 S2\" id=\"t2c_116\">- </span><span class=\"S20E6 S483 S2\" id=\"t2d_116\">18 </span><span class=\"S20E7 S483 S2\" id=\"t2e_116\">- </span><span class=\"S20E8 S483 S2\" id=\"t2f_116\">(38) </span><span class=\"S20E9 S483 S2\" id=\"t2g_116\">150 </span><span class=\"S20EA S483 S2\" id=\"t2h_116\">218 </span><span class=\"S20EB S483 S2\" id=\"t2i_116\">Interest bearing securities at fair value through </span><span class=\"S20EC S483 S2\" id=\"t2j_116\">other comprehensive income and securities </span><span class=\"S20ED S483 S2\" id=\"t2k_116\">at amortized cost </span><span class=\"S20EE S483 S2\" id=\"t2l_116\">- </span><span class=\"S20EF S483 S2\" id=\"t2m_116\">- </span><span class=\"S20F0 S483 S2\" id=\"t2n_116\">- </span><span class=\"S20F1 S483 S2\" id=\"t2o_116\">- </span><span class=\"S20F2 S483 S2\" id=\"t2p_116\">- </span><span class=\"S20F3 S483 S2\" id=\"t2q_116\">- </span><span class=\"S20F4 S483 S2\" id=\"t2r_116\">- </span><span class=\"S20F5 S483 S2\" id=\"t2s_116\">- </span><span class=\"S20F6 S483 S2\" id=\"t2t_116\">- </span><span class=\"S20F7 SC43 S2\" id=\"t2u_116\">Loss allowance on financial assets total </span><span class=\"S20F8 SC43 S2\" id=\"t2v_116\">901,104 </span><span class=\"S20F9 SC43 S2\" id=\"t2w_116\">262,885 </span><span class=\"S20FA SC43 S2\" id=\"t2x_116\">(122,772) </span><span class=\"S20FB SC43 S2\" id=\"t2y_116\">- </span><span class=\"S20FC SC43 S2\" id=\"t2z_116\">121,060 </span><span class=\"S20FD SC43 S2\" id=\"t30_116\">2,216 </span><span class=\"S20FE SC43 S2\" id=\"t31_116\">(131,714) </span><span class=\"S20FF SC43 S2\" id=\"t32_116\">73,464 </span><span class=\"S2100 SC43 S2\" id=\"t33_116\">1,106,243 </span><span class=\"S2101 S483 S2\" id=\"t34_116\">Loan commitments and financial guarantees </span><span class=\"S2102 S483 S2\" id=\"t35_116\">given - stage 1 </span><span class=\"S205B S483 S2\" id=\"t36_116\">35,523 </span><span class=\"S2103 S483 S2\" id=\"t37_116\">22,118 </span><span class=\"S205D S483 S2\" id=\"t38_116\">(6,033) </span><span class=\"S2104 S483 S2\" id=\"t39_116\">(10,309) </span><span class=\"S2105 S483 S2\" id=\"t3a_116\">708 </span><span class=\"S2106 S483 S2\" id=\"t3b_116\">(1,368) </span><span class=\"S2061 S483 S2\" id=\"t3c_116\">- </span><span class=\"S2107 S483 S2\" id=\"t3d_116\">918 </span><span class=\"S2063 S483 S2\" id=\"t3e_116\">41,557 </span><span class=\"S2108 S483 S2\" id=\"t3f_116\">Loan commitments and financial guarantees </span><span class=\"S2109 S483 S2\" id=\"t3g_116\">given - stage 2 </span><span class=\"S210A S483 S2\" id=\"t3h_116\">10,030 </span><span class=\"S210B S483 S2\" id=\"t3i_116\">4,024 </span><span class=\"S210C S483 S2\" id=\"t3j_116\">(2,236) </span><span class=\"S210D S483 S2\" id=\"t3k_116\">6,939 </span><span class=\"S210E S483 S2\" id=\"t3l_116\">(6,070) </span><span class=\"S210F S483 S2\" id=\"t3m_116\">302 </span><span class=\"S2110 S483 S2\" id=\"t3n_116\">(11) </span><span class=\"S2111 S483 S2\" id=\"t3o_116\">2,143 </span><span class=\"S2112 S483 S2\" id=\"t3p_116\">15,121 </span><span class=\"S2113 S483 S2\" id=\"t3q_116\">Loan commitments and financial guarantees </span><span class=\"S2114 S483 S2\" id=\"t3r_116\">given - stage 3 </span><span class=\"S2115 S483 S2\" id=\"t3s_116\">6,409 </span><span class=\"S2116 S483 S2\" id=\"t3t_116\">1,975 </span><span class=\"S2117 S483 S2\" id=\"t3u_116\">(619) </span><span class=\"S2118 S483 S2\" id=\"t3v_116\">3,370 </span><span class=\"S2119 S483 S2\" id=\"t3w_116\">(4,728) </span><span class=\"S211A S483 S2\" id=\"t3x_116\">(156) </span><span class=\"S211B S483 S2\" id=\"t3y_116\">(1) </span><span class=\"S211C S483 S2\" id=\"t3z_116\">415 </span><span class=\"S211D S483 S2\" id=\"t40_116\">6,665 </span><span class=\"S211E S483 S2\" id=\"t41_116\">Loan commitments and financial guarantees </span><span class=\"S211F S483 S2\" id=\"t42_116\">given - poci </span><span class=\"S2120 S483 S2\" id=\"t43_116\">28 </span><span class=\"S2121 S483 S2\" id=\"t44_116\">5 </span><span class=\"S2122 S483 S2\" id=\"t45_116\">(9) </span><span class=\"S2088 S483 S2\" id=\"t46_116\">- </span><span class=\"S2123 S483 S2\" id=\"t47_116\">5 </span><span class=\"S208A S483 S2\" id=\"t48_116\">- </span><span class=\"S208B S483 S2\" id=\"t49_116\">- </span><span class=\"S208C S483 S2\" id=\"t4a_116\">- </span><span class=\"S2124 S483 S2\" id=\"t4b_116\">29 </span><span class=\"S2125 SC43 S2\" id=\"t4c_116\">Provision on financial liabilities total </span><span class=\"S2126 SC43 S2\" id=\"t4d_116\">51,990 </span><span class=\"S2090 SC43 S2\" id=\"t4e_116\">28,122 </span><span class=\"S2127 SC43 S2\" id=\"t4f_116\">(8,897) </span><span class=\"S2128 SC43 S2\" id=\"t4g_116\">- </span><span class=\"S2129 SC43 S2\" id=\"t4h_116\">(10,085) </span><span class=\"S212A SC43 S2\" id=\"t4i_116\">(1,222) </span><span class=\"S212B SC43 S2\" id=\"t4j_116\">(12) </span><span class=\"S212C SC43 S2\" id=\"t4k_116\">3,476 </span><span class=\"S212D SC43 S2\" id=\"t4l_116\">63,372 </span><span class=\"S212E S482 S2\" id=\"t4m_116\">1 </span><span class=\"S212F S483 S2\" id=\"t4n_116\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_117\">37.1.  Credit risk [continued] </span><span class=\"S2130 SB S2\" id=\"t6_117\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_117\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1FD4 SA7 S2\" id=\"t8_117\">financial commitments as at 31 December 2021: </span><span class=\"S2131 SC43 S2\" id=\"t9_117\">31/12/2021 </span><span class=\"S2132 SC43 S2\" id=\"ta_117\">Opening </span><span class=\"S2133 SC43 S2\" id=\"tb_117\">balance </span><span class=\"S2134 SC43 S2\" id=\"tc_117\">Modi- </span><span class=\"S2135 SC43 S2\" id=\"td_117\">fication </span><span class=\"S2136 SC43 S2\" id=\"te_117\">Increases due to </span><span class=\"S2137 SC43 S2\" id=\"tf_117\">origination and </span><span class=\"S2138 SC43 S2\" id=\"tg_117\">acquisition </span><span class=\"S2139 SC43 S2\" id=\"th_117\">Decreases </span><span class=\"S213A SC43 S2\" id=\"ti_117\">due to </span><span class=\"S213B SC43 S2\" id=\"tj_117\">derecognition </span><span class=\"S213C SC43 S2\" id=\"tk_117\">Transfers </span><span class=\"S213D SC43 S2\" id=\"tl_117\">between </span><span class=\"S213E SC43 S2\" id=\"tm_117\">stages (net) </span><span class=\"S213F SC43 S2\" id=\"tn_117\">Changes due </span><span class=\"S2140 SC43 S2\" id=\"to_117\">to change in </span><span class=\"S2141 SC43 S2\" id=\"tp_117\">credit risk </span><span class=\"S2142 SC43 S2\" id=\"tq_117\">(net) </span><span class=\"S2143 SC43 S2\" id=\"tr_117\">Changes due to </span><span class=\"S2144 SC43 S2\" id=\"ts_117\">modifications </span><span class=\"S2145 SC43 S2\" id=\"tt_117\">without </span><span class=\"S2146 SC43 S2\" id=\"tu_117\">derecognition (net) </span><span class=\"S2147 SC43 S2\" id=\"tv_117\">Decrease in </span><span class=\"S2148 SC43 S2\" id=\"tw_117\">loss allowance </span><span class=\"S2149 SC43 S2\" id=\"tx_117\">account due to </span><span class=\"S214A SC43 S2\" id=\"ty_117\">write-offs </span><span class=\"S214B SC43 S2\" id=\"tz_117\">Other </span><span class=\"S214C SC43 S2\" id=\"t10_117\">adjustments </span><span class=\"S214D S20BA S2\" id=\"t11_117\">1 </span><span class=\"S214E SC43 S2\" id=\"t12_117\">Closing </span><span class=\"S214F SC43 S2\" id=\"t13_117\">balance </span><span class=\"S2150 SC43 S2\" id=\"t14_117\">Stage 1 </span><span class=\"S2151 SC43 S2\" id=\"t15_117\">123,675 </span><span class=\"S2152 SC43 S2\" id=\"t16_117\">- </span><span class=\"S2153 SC43 S2\" id=\"t17_117\">141,894 </span><span class=\"S2154 SC43 S2\" id=\"t18_117\">(37,619) </span><span class=\"S2155 SC43 S2\" id=\"t19_117\">(103,930) </span><span class=\"S2156 SC43 S2\" id=\"t1a_117\">25,663 </span><span class=\"S2157 SC43 S2\" id=\"t1b_117\">(4,885) </span><span class=\"S2158 SC43 S2\" id=\"t1c_117\">(102) </span><span class=\"S2159 SC43 S2\" id=\"t1d_117\">(2,264) </span><span class=\"S215A SC43 S2\" id=\"t1e_117\">142,432 </span><span class=\"S215B S483 S2\" id=\"t1f_117\">Placements with other banks </span><span class=\"S215C S483 S2\" id=\"t1g_117\">1,377 </span><span class=\"S215D S483 S2\" id=\"t1h_117\">- </span><span class=\"S215E S483 S2\" id=\"t1i_117\">24,635 </span><span class=\"S215F S483 S2\" id=\"t1j_117\">(4,383) </span><span class=\"S2160 S483 S2\" id=\"t1k_117\">- </span><span class=\"S2161 S483 S2\" id=\"t1l_117\">(18,854) </span><span class=\"S2162 S483 S2\" id=\"t1m_117\">- </span><span class=\"S2163 S483 S2\" id=\"t1n_117\">- </span><span class=\"S2164 S483 S2\" id=\"t1o_117\">191 </span><span class=\"S2165 SC43 S2\" id=\"t1p_117\">2,966 </span><span class=\"S1FF5 S483 S2\" id=\"t1q_117\">Repo receivables </span><span class=\"S2166 S483 S2\" id=\"t1r_117\">292 </span><span class=\"S2167 S483 S2\" id=\"t1s_117\">- </span><span class=\"S2168 S483 S2\" id=\"t1t_117\">667 </span><span class=\"S2169 S483 S2\" id=\"t1u_117\">- </span><span class=\"S216A S483 S2\" id=\"t1v_117\">- </span><span class=\"S216B S483 S2\" id=\"t1w_117\">(669) </span><span class=\"S216C S483 S2\" id=\"t1x_117\">- </span><span class=\"S216D S483 S2\" id=\"t1y_117\">- </span><span class=\"S216E S483 S2\" id=\"t1z_117\">- </span><span class=\"S216F SC43 S2\" id=\"t20_117\">290 </span><span class=\"S2170 S483 S2\" id=\"t21_117\">Loans at amortized cost </span><span class=\"S2171 S483 S2\" id=\"t22_117\">106,151 </span><span class=\"S2172 S483 S2\" id=\"t23_117\">- </span><span class=\"S2173 S483 S2\" id=\"t24_117\">109,970 </span><span class=\"S2174 S483 S2\" id=\"t25_117\">(29,761) </span><span class=\"S2175 S483 S2\" id=\"t26_117\">(91,303) </span><span class=\"S2176 S483 S2\" id=\"t27_117\">33,215 </span><span class=\"S2177 S483 S2\" id=\"t28_117\">(4,442) </span><span class=\"S2178 S483 S2\" id=\"t29_117\">(102) </span><span class=\"S2179 S483 S2\" id=\"t2a_117\">(3,339) </span><span class=\"S217A SC43 S2\" id=\"t2b_117\">120,389 </span><span class=\"S217B S483 S2\" id=\"t2c_117\">Finance lease receivables </span><span class=\"S217C S483 S2\" id=\"t2d_117\">4,141 </span><span class=\"S217D S483 S2\" id=\"t2e_117\">- </span><span class=\"S217E S483 S2\" id=\"t2f_117\">2,643 </span><span class=\"S217F S483 S2\" id=\"t2g_117\">(255) </span><span class=\"S2180 S483 S2\" id=\"t2h_117\">(12,106) </span><span class=\"S2181 S483 S2\" id=\"t2i_117\">10,426 </span><span class=\"S2182 S483 S2\" id=\"t2j_117\">(443) </span><span class=\"S2183 S483 S2\" id=\"t2k_117\">- </span><span class=\"S2184 S483 S2\" id=\"t2l_117\">26 </span><span class=\"S2185 SC43 S2\" id=\"t2m_117\">4,432 </span><span class=\"S2186 S483 S2\" id=\"t2n_117\">Interest bearing securities at fair value through </span><span class=\"S2187 S483 S2\" id=\"t2o_117\">other comprehensive income and securities </span><span class=\"S2188 S483 S2\" id=\"t2p_117\">at amortized cost </span><span class=\"S2189 S483 S2\" id=\"t2q_117\">11,714 </span><span class=\"S218A S483 S2\" id=\"t2r_117\">- </span><span class=\"S218B S483 S2\" id=\"t2s_117\">3,979 </span><span class=\"S218C S483 S2\" id=\"t2t_117\">(3,220) </span><span class=\"S218D S483 S2\" id=\"t2u_117\">(521) </span><span class=\"S218E S483 S2\" id=\"t2v_117\">1,545 </span><span class=\"S218F S483 S2\" id=\"t2w_117\">- </span><span class=\"S20EA S483 S2\" id=\"t2x_117\">858 </span><span class=\"S2190 SC43 S2\" id=\"t2y_117\">14,355 </span><span class=\"S2191 SC43 S2\" id=\"t2z_117\">Stage 2 </span><span class=\"S2192 SC43 S2\" id=\"t30_117\">203,173 </span><span class=\"S2193 SC43 S2\" id=\"t31_117\">- </span><span class=\"S2194 SC43 S2\" id=\"t32_117\">29,705 </span><span class=\"S2195 SC43 S2\" id=\"t33_117\">(21,813) </span><span class=\"S2196 SC43 S2\" id=\"t34_117\">9,826 </span><span class=\"S2197 SC43 S2\" id=\"t35_117\">(27,800) </span><span class=\"S2198 SC43 S2\" id=\"t36_117\">8,202 </span><span class=\"S2199 SC43 S2\" id=\"t37_117\">(498) </span><span class=\"S219A SC43 S2\" id=\"t38_117\">7,445 </span><span class=\"S219B SC43 S2\" id=\"t39_117\">208,240 </span><span class=\"S219C S483 S2\" id=\"t3a_117\">Placements with other banks </span><span class=\"S219D S483 S2\" id=\"t3b_117\">1 </span><span class=\"S219E S483 S2\" id=\"t3c_117\">- </span><span class=\"S219F S483 S2\" id=\"t3d_117\">- </span><span class=\"S21A0 S483 S2\" id=\"t3e_117\">- </span><span class=\"S21A1 S483 S2\" id=\"t3f_117\">- </span><span class=\"S21A2 S483 S2\" id=\"t3g_117\">- </span><span class=\"S21A3 S483 S2\" id=\"t3h_117\">(1) </span><span class=\"S21A4 S483 S2\" id=\"t3i_117\">- </span><span class=\"S21A5 SC43 S2\" id=\"t3j_117\">- </span><span class=\"S21A6 S483 S2\" id=\"t3k_117\">Repo receivables </span><span class=\"S21A7 S483 S2\" id=\"t3l_117\">- </span><span class=\"S21A8 S483 S2\" id=\"t3m_117\">- </span><span class=\"S21A9 S483 S2\" id=\"t3n_117\">- </span><span class=\"S21AA S483 S2\" id=\"t3o_117\">- </span><span class=\"S21AB S483 S2\" id=\"t3p_117\">- </span><span class=\"S21AC S483 S2\" id=\"t3q_117\">- </span><span class=\"S21AD S483 S2\" id=\"t3r_117\">- </span><span class=\"S21AE S483 S2\" id=\"t3s_117\">- </span><span class=\"S20F6 S483 S2\" id=\"t3t_117\">- </span><span class=\"S21AF SC43 S2\" id=\"t3u_117\">- </span><span class=\"S21B0 S483 S2\" id=\"t3v_117\">Loans at amortized cost </span><span class=\"S21B1 S483 S2\" id=\"t3w_117\">194,941 </span><span class=\"S21B2 S483 S2\" id=\"t3x_117\">(1,281) </span><span class=\"S21B3 S483 S2\" id=\"t3y_117\">26,947 </span><span class=\"S21B4 S483 S2\" id=\"t3z_117\">(21,200) </span><span class=\"S2041 S483 S2\" id=\"t40_117\">3,766 </span><span class=\"S21B5 S483 S2\" id=\"t41_117\">(23,004) </span><span class=\"S21B6 S483 S2\" id=\"t42_117\">8,550 </span><span class=\"S21B7 S483 S2\" id=\"t43_117\">(497) </span><span class=\"S21B8 S483 S2\" id=\"t44_117\">7,410 </span><span class=\"S21B9 SC43 S2\" id=\"t45_117\">195,632 </span><span class=\"S21BA S483 S2\" id=\"t46_117\">Finance lease receivables </span><span class=\"S21BB S483 S2\" id=\"t47_117\">8,103 </span><span class=\"S21BC S483 S2\" id=\"t48_117\">- </span><span class=\"S21BD S483 S2\" id=\"t49_117\">2,696 </span><span class=\"S21BE S483 S2\" id=\"t4a_117\">(613) </span><span class=\"S21BF S483 S2\" id=\"t4b_117\">5,539 </span><span class=\"S21C0 S483 S2\" id=\"t4c_117\">(4,229) </span><span class=\"S21C1 S483 S2\" id=\"t4d_117\">(348) </span><span class=\"S21C2 S483 S2\" id=\"t4e_117\">- </span><span class=\"S21C3 S483 S2\" id=\"t4f_117\">(8) </span><span class=\"S21C4 SC43 S2\" id=\"t4g_117\">11,140 </span><span class=\"S21C5 S483 S2\" id=\"t4h_117\">Interest bearing securities at fair value through </span><span class=\"S21C6 S483 S2\" id=\"t4i_117\">other comprehensive income and securities </span><span class=\"S21C7 S483 S2\" id=\"t4j_117\">at amortized cost </span><span class=\"S21C8 S483 S2\" id=\"t4k_117\">128 </span><span class=\"S21C9 S483 S2\" id=\"t4l_117\">1,281 </span><span class=\"S21CA S483 S2\" id=\"t4m_117\">62 </span><span class=\"S21CB S483 S2\" id=\"t4n_117\">- </span><span class=\"S21CC S483 S2\" id=\"t4o_117\">521 </span><span class=\"S21CD S483 S2\" id=\"t4p_117\">(567) </span><span class=\"S21CE S483 S2\" id=\"t4q_117\">- </span><span class=\"S21CF S483 S2\" id=\"t4r_117\">- </span><span class=\"S21D0 S483 S2\" id=\"t4s_117\">43 </span><span class=\"S21D1 SC43 S2\" id=\"t4t_117\">1,468 </span><span class=\"S21D2 SC43 S2\" id=\"t4u_117\">Stage 3 </span><span class=\"S21D3 SC43 S2\" id=\"t4v_117\">476,668 </span><span class=\"S21D4 SC43 S2\" id=\"t4w_117\">- </span><span class=\"S21D5 SC43 S2\" id=\"t4x_117\">19,133 </span><span class=\"S21D6 SC43 S2\" id=\"t4y_117\">(44,871) </span><span class=\"S21D7 SC43 S2\" id=\"t4z_117\">94,104 </span><span class=\"S21D8 SC43 S2\" id=\"t50_117\">21,425 </span><span class=\"S21D9 SC43 S2\" id=\"t51_117\">8,856 </span><span class=\"S21DA SC43 S2\" id=\"t52_117\">(69,523) </span><span class=\"S21DB SC43 S2\" id=\"t53_117\">1,050 </span><span class=\"S21DC SC43 S2\" id=\"t54_117\">506,842 </span><span class=\"S21DD S483 S2\" id=\"t55_117\">Placements with other banks </span><span class=\"S21DE S483 S2\" id=\"t56_117\">111 </span><span class=\"S21DF S483 S2\" id=\"t57_117\">- </span><span class=\"S21E0 S483 S2\" id=\"t58_117\">- </span><span class=\"S21E1 S483 S2\" id=\"t59_117\">- </span><span class=\"S21E2 S483 S2\" id=\"t5a_117\">- </span><span class=\"S21E3 S483 S2\" id=\"t5b_117\">46 </span><span class=\"S21E4 S483 S2\" id=\"t5c_117\">- </span><span class=\"S21E5 S483 S2\" id=\"t5d_117\">(240) </span><span class=\"S21E6 S483 S2\" id=\"t5e_117\">111 </span><span class=\"S21E7 SC43 S2\" id=\"t5f_117\">28 </span><span class=\"S2070 S483 S2\" id=\"t5g_117\">Repo receivables </span><span class=\"S21E8 S483 S2\" id=\"t5h_117\">- </span><span class=\"S21E9 S483 S2\" id=\"t5i_117\">- </span><span class=\"S21EA S483 S2\" id=\"t5j_117\">- </span><span class=\"S21EB S483 S2\" id=\"t5k_117\">- </span><span class=\"S21EC S483 S2\" id=\"t5l_117\">- </span><span class=\"S21ED S483 S2\" id=\"t5m_117\">- </span><span class=\"S21EE S483 S2\" id=\"t5n_117\">- </span><span class=\"S21EF S483 S2\" id=\"t5o_117\">- </span><span class=\"S21F0 S483 S2\" id=\"t5p_117\">- </span><span class=\"S21F1 SC43 S2\" id=\"t5q_117\">- </span><span class=\"S21F2 S483 S2\" id=\"t5r_117\">Loans at amortized cost </span><span class=\"S21F3 S483 S2\" id=\"t5s_117\">463,570 </span><span class=\"S21F4 S483 S2\" id=\"t5t_117\">- </span><span class=\"S21F5 S483 S2\" id=\"t5u_117\">17,649 </span><span class=\"S21F6 S483 S2\" id=\"t5v_117\">(43,539) </span><span class=\"S21F7 S483 S2\" id=\"t5w_117\">87,537 </span><span class=\"S21F8 S483 S2\" id=\"t5x_117\">25,360 </span><span class=\"S21F9 S483 S2\" id=\"t5y_117\">9,852 </span><span class=\"S21FA S483 S2\" id=\"t5z_117\">(67,453) </span><span class=\"S21FB S483 S2\" id=\"t60_117\">(405) </span><span class=\"S21FC SC43 S2\" id=\"t61_117\">492,571 </span><span class=\"S21FD S483 S2\" id=\"t62_117\">Finance lease receivables </span><span class=\"S21FE S483 S2\" id=\"t63_117\">12,188 </span><span class=\"S21FF S483 S2\" id=\"t64_117\">- </span><span class=\"S2200 S483 S2\" id=\"t65_117\">1,484 </span><span class=\"S2201 S483 S2\" id=\"t66_117\">(1,332) </span><span class=\"S2202 S483 S2\" id=\"t67_117\">6,567 </span><span class=\"S2203 S483 S2\" id=\"t68_117\">(3,981) </span><span class=\"S2204 S483 S2\" id=\"t69_117\">(996) </span><span class=\"S2205 S483 S2\" id=\"t6a_117\">(1,022) </span><span class=\"S2206 S483 S2\" id=\"t6b_117\">1,335 </span><span class=\"S2207 SC43 S2\" id=\"t6c_117\">14,243 </span><span class=\"S2208 S483 S2\" id=\"t6d_117\">Interest bearing securities at fair value through </span><span class=\"S2209 S483 S2\" id=\"t6e_117\">other comprehensive income and securities </span><span class=\"S220A S483 S2\" id=\"t6f_117\">at amortized cost </span><span class=\"S220B S483 S2\" id=\"t6g_117\">799 </span><span class=\"S220C S483 S2\" id=\"t6h_117\">- </span><span class=\"S220D S483 S2\" id=\"t6i_117\">- </span><span class=\"S220E S483 S2\" id=\"t6j_117\">- </span><span class=\"S220F S483 S2\" id=\"t6k_117\">- </span><span class=\"S2210 S483 S2\" id=\"t6l_117\">- </span><span class=\"S2211 S483 S2\" id=\"t6m_117\">- </span><span class=\"S2212 S483 S2\" id=\"t6n_117\">(808) </span><span class=\"S2213 S483 S2\" id=\"t6o_117\">9 </span><span class=\"S2214 SC43 S2\" id=\"t6p_117\">- </span><span class=\"S2215 SC43 S2\" id=\"t6q_117\">Loss allowance on financial assets subtotal </span><span class=\"S2216 SC43 S2\" id=\"t6r_117\">803,516 </span><span class=\"S2217 SC43 S2\" id=\"t6s_117\">- </span><span class=\"S2218 SC43 S2\" id=\"t6t_117\">190,732 </span><span class=\"S2219 SC43 S2\" id=\"t6u_117\">(104,303) </span><span class=\"S221A SC43 S2\" id=\"t6v_117\">- </span><span class=\"S221B SC43 S2\" id=\"t6w_117\">19,288 </span><span class=\"S221C SC43 S2\" id=\"t6x_117\">12,173 </span><span class=\"S221D SC43 S2\" id=\"t6y_117\">(70,123) </span><span class=\"S221E SC43 S2\" id=\"t6z_117\">6,231 </span><span class=\"S221F SC43 S2\" id=\"t70_117\">857,514 </span><span class=\"S2220 S482 S2\" id=\"t71_117\">1 </span><span class=\"S2221 S483 S2\" id=\"t72_117\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_118\">37.1.  Credit risk [continued] </span><span class=\"S2222 SB S2\" id=\"t6_118\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_118\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S2223 SA7 S2\" id=\"t8_118\">financial commitments as at 31 December 2021 [continued]: </span><span class=\"S2224 SC43 S2\" id=\"t9_118\">31/12/2021 </span><span class=\"S2225 SC43 S2\" id=\"ta_118\">Opening </span><span class=\"S2226 SC43 S2\" id=\"tb_118\">balance </span><span class=\"S2227 SC43 S2\" id=\"tc_118\">Modi- </span><span class=\"S2228 SC43 S2\" id=\"td_118\">fication </span><span class=\"S2229 SC43 S2\" id=\"te_118\">Increases due to </span><span class=\"S222A SC43 S2\" id=\"tf_118\">origination and </span><span class=\"S222B SC43 S2\" id=\"tg_118\">acquisition </span><span class=\"S222C SC43 S2\" id=\"th_118\">Decreases </span><span class=\"S222D SC43 S2\" id=\"ti_118\">due to </span><span class=\"S222E SC43 S2\" id=\"tj_118\">derecognition </span><span class=\"S222F SC43 S2\" id=\"tk_118\">Transfers </span><span class=\"S2230 SC43 S2\" id=\"tl_118\">between </span><span class=\"S2231 SC43 S2\" id=\"tm_118\">stages (net) </span><span class=\"S2232 SC43 S2\" id=\"tn_118\">Changes due </span><span class=\"S2233 SC43 S2\" id=\"to_118\">to change in </span><span class=\"S2234 SC43 S2\" id=\"tp_118\">credit risk </span><span class=\"S2235 SC43 S2\" id=\"tq_118\">(net) </span><span class=\"S2236 SC43 S2\" id=\"tr_118\">Changes due to </span><span class=\"S2237 SC43 S2\" id=\"ts_118\">modifications </span><span class=\"S2238 SC43 S2\" id=\"tt_118\">without </span><span class=\"S2239 SC43 S2\" id=\"tu_118\">derecognition (net) </span><span class=\"S223A SC43 S2\" id=\"tv_118\">Decrease in </span><span class=\"S223B SC43 S2\" id=\"tw_118\">loss allowance </span><span class=\"S223C SC43 S2\" id=\"tx_118\">account due to </span><span class=\"S223D SC43 S2\" id=\"ty_118\">write-offs </span><span class=\"S223E SC43 S2\" id=\"tz_118\">Other </span><span class=\"S223F SC43 S2\" id=\"t10_118\">adjustments </span><span class=\"S2240 S20BA S2\" id=\"t11_118\">1 </span><span class=\"S2241 SC43 S2\" id=\"t12_118\">Closing </span><span class=\"S2242 SC43 S2\" id=\"t13_118\">balance </span><span class=\"S2243 SC43 S2\" id=\"t14_118\">POCI </span><span class=\"S2244 SC43 S2\" id=\"t15_118\">65,051 </span><span class=\"S2245 SC43 S2\" id=\"t16_118\">- </span><span class=\"S2246 SC43 S2\" id=\"t17_118\">- </span><span class=\"S2247 SC43 S2\" id=\"t18_118\">(2,929) </span><span class=\"S2248 SC43 S2\" id=\"t19_118\">- </span><span class=\"S2249 SC43 S2\" id=\"t1a_118\">(17,138) </span><span class=\"S224A SC43 S2\" id=\"t1b_118\">(129) </span><span class=\"S224B SC43 S2\" id=\"t1c_118\">(4,370) </span><span class=\"S224C SC43 S2\" id=\"t1d_118\">3,105 </span><span class=\"S224D SC43 S2\" id=\"t1e_118\">43,590 </span><span class=\"S224E S483 S2\" id=\"t1f_118\">Placements with other banks </span><span class=\"S224F S483 S2\" id=\"t1g_118\">- </span><span class=\"S2250 S483 S2\" id=\"t1h_118\">- </span><span class=\"S2251 S483 S2\" id=\"t1i_118\">- </span><span class=\"S2252 S483 S2\" id=\"t1j_118\">(2,929) </span><span class=\"S2253 S483 S2\" id=\"t1k_118\">- </span><span class=\"S2254 S483 S2\" id=\"t1l_118\">6,004 </span><span class=\"S2255 S483 S2\" id=\"t1m_118\">(129) </span><span class=\"S2256 S483 S2\" id=\"t1n_118\">(4,370) </span><span class=\"S2257 S483 S2\" id=\"t1o_118\">1,424 </span><span class=\"S2258 SC43 S2\" id=\"t1p_118\">- </span><span class=\"S2259 S483 S2\" id=\"t1q_118\">Repo receivables </span><span class=\"S225A S483 S2\" id=\"t1r_118\">- </span><span class=\"S225B S483 S2\" id=\"t1s_118\">- </span><span class=\"S225C S483 S2\" id=\"t1t_118\">- </span><span class=\"S225D S483 S2\" id=\"t1u_118\">- </span><span class=\"S225E S483 S2\" id=\"t1v_118\">- </span><span class=\"S225F S483 S2\" id=\"t1w_118\">- </span><span class=\"S2260 S483 S2\" id=\"t1x_118\">- </span><span class=\"S2261 S483 S2\" id=\"t1y_118\">- </span><span class=\"S2262 S483 S2\" id=\"t1z_118\">- </span><span class=\"S2263 SC43 S2\" id=\"t20_118\">- </span><span class=\"S2264 S483 S2\" id=\"t21_118\">Loans at amortized cost </span><span class=\"S2265 S483 S2\" id=\"t22_118\">64,881 </span><span class=\"S2266 S483 S2\" id=\"t23_118\">- </span><span class=\"S2267 S483 S2\" id=\"t24_118\">- </span><span class=\"S2268 S483 S2\" id=\"t25_118\">- </span><span class=\"S2269 S483 S2\" id=\"t26_118\">- </span><span class=\"S226A S483 S2\" id=\"t27_118\">(23,142) </span><span class=\"S226B S483 S2\" id=\"t28_118\">- </span><span class=\"S226C S483 S2\" id=\"t29_118\">- </span><span class=\"S226D S483 S2\" id=\"t2a_118\">1,663 </span><span class=\"S226E SC43 S2\" id=\"t2b_118\">43,402 </span><span class=\"S226F S483 S2\" id=\"t2c_118\">Finance lease receivables </span><span class=\"S2270 S483 S2\" id=\"t2d_118\">170 </span><span class=\"S2271 S483 S2\" id=\"t2e_118\">- </span><span class=\"S2272 S483 S2\" id=\"t2f_118\">- </span><span class=\"S2273 S483 S2\" id=\"t2g_118\">- </span><span class=\"S2274 S483 S2\" id=\"t2h_118\">- </span><span class=\"S2275 S483 S2\" id=\"t2i_118\">- </span><span class=\"S2276 S483 S2\" id=\"t2j_118\">- </span><span class=\"S2277 S483 S2\" id=\"t2k_118\">- </span><span class=\"S2278 S483 S2\" id=\"t2l_118\">18 </span><span class=\"S2279 SC43 S2\" id=\"t2m_118\">188 </span><span class=\"S227A S483 S2\" id=\"t2n_118\">Interest bearing securities at fair value through </span><span class=\"S227B S483 S2\" id=\"t2o_118\">other comprehensive income and securities </span><span class=\"S227C S483 S2\" id=\"t2p_118\">at amortized cost </span><span class=\"S227D S483 S2\" id=\"t2q_118\">- </span><span class=\"S227E S483 S2\" id=\"t2r_118\">- </span><span class=\"S227F S483 S2\" id=\"t2s_118\">- </span><span class=\"S2280 S483 S2\" id=\"t2t_118\">- </span><span class=\"S2281 S483 S2\" id=\"t2u_118\">- </span><span class=\"S2282 S483 S2\" id=\"t2v_118\">- </span><span class=\"S2283 S483 S2\" id=\"t2w_118\">- </span><span class=\"S2284 S483 S2\" id=\"t2x_118\">- </span><span class=\"S2285 S483 S2\" id=\"t2y_118\">- </span><span class=\"S2286 SC43 S2\" id=\"t2z_118\">- </span><span class=\"S2287 SC43 S2\" id=\"t30_118\">Loss allowance on financial assets total </span><span class=\"S2288 SC43 S2\" id=\"t31_118\">868,567 </span><span class=\"S2289 SC43 S2\" id=\"t32_118\">- </span><span class=\"S228A SC43 S2\" id=\"t33_118\">190,732 </span><span class=\"S228B SC43 S2\" id=\"t34_118\">(107,232) </span><span class=\"S228C SC43 S2\" id=\"t35_118\">- </span><span class=\"S228D SC43 S2\" id=\"t36_118\">2,150 </span><span class=\"S228E SC43 S2\" id=\"t37_118\">12,044 </span><span class=\"S228F SC43 S2\" id=\"t38_118\">(74,493) </span><span class=\"S2290 SC43 S2\" id=\"t39_118\">9,336 </span><span class=\"S2291 SC43 S2\" id=\"t3a_118\">901,104 </span><span class=\"S2292 S483 S2\" id=\"t3b_118\">Loan commitments and financial guarantees </span><span class=\"S2293 S483 S2\" id=\"t3c_118\">given - stage 1 </span><span class=\"S2294 S483 S2\" id=\"t3d_118\">37,297 </span><span class=\"S2295 S483 S2\" id=\"t3e_118\">- </span><span class=\"S2296 S483 S2\" id=\"t3f_118\">23,514 </span><span class=\"S2297 S483 S2\" id=\"t3g_118\">(5,522) </span><span class=\"S2298 S483 S2\" id=\"t3h_118\">1,446 </span><span class=\"S2299 S483 S2\" id=\"t3i_118\">(20,069) </span><span class=\"S229A S483 S2\" id=\"t3j_118\">(1,031) </span><span class=\"S229B S483 S2\" id=\"t3k_118\">- </span><span class=\"S229C S483 S2\" id=\"t3l_118\">(112) </span><span class=\"S229D SC43 S2\" id=\"t3m_118\">35,523 </span><span class=\"S229E S483 S2\" id=\"t3n_118\">Loan commitments and financial guarantees </span><span class=\"S229F S483 S2\" id=\"t3o_118\">given - stage 2 </span><span class=\"S22A0 S483 S2\" id=\"t3p_118\">11,055 </span><span class=\"S22A1 S483 S2\" id=\"t3q_118\">- </span><span class=\"S22A2 S483 S2\" id=\"t3r_118\">3,804 </span><span class=\"S22A3 S483 S2\" id=\"t3s_118\">(791) </span><span class=\"S22A4 S483 S2\" id=\"t3t_118\">(2,173) </span><span class=\"S22A5 S483 S2\" id=\"t3u_118\">(2,216) </span><span class=\"S22A6 S483 S2\" id=\"t3v_118\">436 </span><span class=\"S22A7 S483 S2\" id=\"t3w_118\">- </span><span class=\"S22A8 S483 S2\" id=\"t3x_118\">(85) </span><span class=\"S22A9 SC43 S2\" id=\"t3y_118\">10,030 </span><span class=\"S22AA S483 S2\" id=\"t3z_118\">Loan commitments and financial guarantees </span><span class=\"S22AB S483 S2\" id=\"t40_118\">given - stage 3 </span><span class=\"S22AC S483 S2\" id=\"t41_118\">6,458 </span><span class=\"S22AD S483 S2\" id=\"t42_118\">- </span><span class=\"S22AE S483 S2\" id=\"t43_118\">932 </span><span class=\"S22AF S483 S2\" id=\"t44_118\">(1,337) </span><span class=\"S22B0 S483 S2\" id=\"t45_118\">727 </span><span class=\"S22B1 S483 S2\" id=\"t46_118\">196 </span><span class=\"S22B2 S483 S2\" id=\"t47_118\">(65) </span><span class=\"S22B3 S483 S2\" id=\"t48_118\">- </span><span class=\"S22B4 S483 S2\" id=\"t49_118\">(502) </span><span class=\"S22B5 SC43 S2\" id=\"t4a_118\">6,409 </span><span class=\"S22B6 S483 S2\" id=\"t4b_118\">Loan commitments and financial guarantees </span><span class=\"S22B7 S483 S2\" id=\"t4c_118\">given - poci </span><span class=\"S22B8 S483 S2\" id=\"t4d_118\">- </span><span class=\"S22B9 S483 S2\" id=\"t4e_118\">- </span><span class=\"S22BA S483 S2\" id=\"t4f_118\">31 </span><span class=\"S22BB S483 S2\" id=\"t4g_118\">(4) </span><span class=\"S22BC S483 S2\" id=\"t4h_118\">- </span><span class=\"S22BD S483 S2\" id=\"t4i_118\">3 </span><span class=\"S22BE S483 S2\" id=\"t4j_118\">(1) </span><span class=\"S22BF S483 S2\" id=\"t4k_118\">- </span><span class=\"S22C0 S483 S2\" id=\"t4l_118\">(1) </span><span class=\"S22C1 SC43 S2\" id=\"t4m_118\">28 </span><span class=\"S22C2 SC43 S2\" id=\"t4n_118\">Provision on financial liabilities total </span><span class=\"S22C3 SC43 S2\" id=\"t4o_118\">54,810 </span><span class=\"S22C4 SC43 S2\" id=\"t4p_118\">- </span><span class=\"S22C5 SC43 S2\" id=\"t4q_118\">28,281 </span><span class=\"S22C6 SC43 S2\" id=\"t4r_118\">(7,654) </span><span class=\"S22C7 SC43 S2\" id=\"t4s_118\">- </span><span class=\"S22C8 SC43 S2\" id=\"t4t_118\">(22,086) </span><span class=\"S22C9 SC43 S2\" id=\"t4u_118\">(661) </span><span class=\"S22CA SC43 S2\" id=\"t4v_118\">- </span><span class=\"S22CB SC43 S2\" id=\"t4w_118\">(700) </span><span class=\"S22CC SC43 S2\" id=\"t4x_118\">51,990 </span><span class=\"S22CD S482 S2\" id=\"t4y_118\">1 </span><span class=\"S22CE S483 S2\" id=\"t4z_118\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S22CF SB S2\" id=\"t5_119\">37.1.   Credit risk [continued] </span><span class=\"S22D0 SB S2\" id=\"t6_119\">37.1.3. </span><span class=\"S22D1 SB S2\" id=\"t7_119\">Loan portfolio by internal ratings </span><span class=\"S22D2 SB S2\" id=\"t8_119\">2022 </span><span class=\"S22D3 SB S2\" id=\"t9_119\">Gross carrying amount </span><span class=\"S22D4 SB S2\" id=\"ta_119\">Internal rating grade </span><span class=\"S22D5 SB S2\" id=\"tb_119\">Stage 1 </span><span class=\"S22D6 SB S2\" id=\"tc_119\">Stage 2 </span><span class=\"S22D7 SB S2\" id=\"td_119\">Stage 3 </span><span class=\"S22D8 SB S2\" id=\"te_119\">POCI </span><span class=\"S22D9 SB S2\" id=\"tf_119\">Total </span><span class=\"S22DA SA7 S2\" id=\"tg_119\">Low risk grade (1-4) </span><span class=\"S22DB SA7 S2\" id=\"th_119\">9,947,741 </span><span class=\"S22DC SA7 S2\" id=\"ti_119\">569,504 </span><span class=\"S22DD SA7 S2\" id=\"tj_119\">- </span><span class=\"S22DE SA7 S2\" id=\"tk_119\">3,703 </span><span class=\"S22DF SA7 S2\" id=\"tl_119\">10,520,948 </span><span class=\"S22E0 SA7 S2\" id=\"tm_119\">Medium risk grade (5-7) </span><span class=\"S22E1 SA7 S2\" id=\"tn_119\">5,073,919 </span><span class=\"S22E2 SA7 S2\" id=\"to_119\">1,033,413 </span><span class=\"S22E3 SA7 S2\" id=\"tp_119\">- </span><span class=\"S22E4 SA7 S2\" id=\"tq_119\">36,259 </span><span class=\"S22E5 SA7 S2\" id=\"tr_119\">6,143,591 </span><span class=\"S22E6 SA7 S2\" id=\"ts_119\">High risk grade (8-9) </span><span class=\"S22E7 SA7 S2\" id=\"tt_119\">200,696 </span><span class=\"S22E8 SA7 S2\" id=\"tu_119\">582,220 </span><span class=\"S22E9 SA7 S2\" id=\"tv_119\">- </span><span class=\"S22EA SA7 S2\" id=\"tw_119\">2,913 </span><span class=\"S22EB SA7 S2\" id=\"tx_119\">785,829 </span><span class=\"S22EC SA7 S2\" id=\"ty_119\">Non-performing </span><span class=\"S22ED SA7 S2\" id=\"tz_119\">- </span><span class=\"S22EE SA7 S2\" id=\"t10_119\">- </span><span class=\"S22EF SA7 S2\" id=\"t11_119\">908,014 </span><span class=\"S22F0 SA7 S2\" id=\"t12_119\">54,319 </span><span class=\"S22F1 SA7 S2\" id=\"t13_119\">962,333 </span><span class=\"S22F2 SB S2\" id=\"t14_119\">Total loans at amortized cost </span><span class=\"S22F3 SB S2\" id=\"t15_119\">and finance lease receivable </span><span class=\"S22F4 SB S2\" id=\"t16_119\">15,222,356 </span><span class=\"S22F5 SB S2\" id=\"t17_119\">2,185,137 </span><span class=\"S22F6 SB S2\" id=\"t18_119\">908,014 </span><span class=\"S22F7 SB S2\" id=\"t19_119\">97,194 </span><span class=\"S22F8 SB S2\" id=\"t1a_119\">18,412,701 </span><span class=\"S22F9 SB S2\" id=\"t1b_119\">2022 </span><span class=\"S22FA SB S2\" id=\"t1c_119\">Accumulated loss allowance </span><span class=\"S22FB SB S2\" id=\"t1d_119\">Internal rating grade </span><span class=\"S22FC SB S2\" id=\"t1e_119\">Stage 1 </span><span class=\"S22FD SB S2\" id=\"t1f_119\">Stage 2 </span><span class=\"S22FE SB S2\" id=\"t1g_119\">Stage 3 </span><span class=\"S22FF SB S2\" id=\"t1h_119\">POCI </span><span class=\"S2300 SB S2\" id=\"t1i_119\">Total </span><span class=\"S2301 SA7 S2\" id=\"t1j_119\">Low risk grade (1-4) </span><span class=\"S2302 SA7 S2\" id=\"t1k_119\">(66,621) </span><span class=\"S2303 SA7 S2\" id=\"t1l_119\">(51,998) </span><span class=\"S2304 SA7 S2\" id=\"t1m_119\">- </span><span class=\"S2305 SA7 S2\" id=\"t1n_119\">(172) </span><span class=\"S2306 SA7 S2\" id=\"t1o_119\">(118,791) </span><span class=\"S2307 SA7 S2\" id=\"t1p_119\">Medium risk grade (5-7) </span><span class=\"S2308 SA7 S2\" id=\"t1q_119\">(82,554) </span><span class=\"S2309 SA7 S2\" id=\"t1r_119\">(121,985) </span><span class=\"S230A SA7 S2\" id=\"t1s_119\">- </span><span class=\"S230B SA7 S2\" id=\"t1t_119\">(6,235) </span><span class=\"S230C SA7 S2\" id=\"t1u_119\">(210,774) </span><span class=\"S230D SA7 S2\" id=\"t1v_119\">High risk grade (8-9) </span><span class=\"S230E SA7 S2\" id=\"t1w_119\">(7,811) </span><span class=\"S230F SA7 S2\" id=\"t1x_119\">(65,223) </span><span class=\"S2310 SA7 S2\" id=\"t1y_119\">- </span><span class=\"S2311 SA7 S2\" id=\"t1z_119\">(250) </span><span class=\"S2312 SA7 S2\" id=\"t20_119\">(73,284) </span><span class=\"S2313 SA7 S2\" id=\"t21_119\">Non-performing </span><span class=\"S2314 SA7 S2\" id=\"t22_119\">- </span><span class=\"S2315 SA7 S2\" id=\"t23_119\">- </span><span class=\"S2316 SA7 S2\" id=\"t24_119\">(589,348) </span><span class=\"S2317 SA7 S2\" id=\"t25_119\">(27,294) </span><span class=\"S2318 SA7 S2\" id=\"t26_119\">(616,642) </span><span class=\"S2319 SB S2\" id=\"t27_119\">Total loans at amortized cost </span><span class=\"S231A SB S2\" id=\"t28_119\">and finance lease receivable </span><span class=\"S231B SB S2\" id=\"t29_119\">(156,986) </span><span class=\"S231C SB S2\" id=\"t2a_119\">(239,206) </span><span class=\"S231D SB S2\" id=\"t2b_119\">(589,348) </span><span class=\"S231E SB S2\" id=\"t2c_119\">(33,951) </span><span class=\"S231F SB S2\" id=\"t2d_119\">(1,019,491) </span><span class=\"S2320 SB S2\" id=\"t2e_119\">2021 </span><span class=\"S2321 SB S2\" id=\"t2f_119\">Gross carrying amount </span><span class=\"S2322 SB S2\" id=\"t2g_119\">Internal rating grade </span><span class=\"S2323 SB S2\" id=\"t2h_119\">Stage 1 </span><span class=\"S2324 SB S2\" id=\"t2i_119\">Stage 2 </span><span class=\"S2325 SB S2\" id=\"t2j_119\">Stage 3 </span><span class=\"S2326 SB S2\" id=\"t2k_119\">POCI </span><span class=\"S2327 SB S2\" id=\"t2l_119\">Total </span><span class=\"S2328 SA7 S2\" id=\"t2m_119\">Low risk grade (1-4) </span><span class=\"S2329 SA7 S2\" id=\"t2n_119\">7,644,341 </span><span class=\"S232A SA7 S2\" id=\"t2o_119\">631,138 </span><span class=\"S232B SA7 S2\" id=\"t2p_119\">- </span><span class=\"S232C SA7 S2\" id=\"t2q_119\">2,921 </span><span class=\"S232D SA7 S2\" id=\"t2r_119\">8,278,400 </span><span class=\"S232E SA7 S2\" id=\"t2s_119\">Medium risk grade (5-7) </span><span class=\"S232F SA7 S2\" id=\"t2t_119\">4,692,656 </span><span class=\"S2330 SA7 S2\" id=\"t2u_119\">869,200 </span><span class=\"S2331 SA7 S2\" id=\"t2v_119\">- </span><span class=\"S2332 SA7 S2\" id=\"t2w_119\">46,708 </span><span class=\"S2333 SA7 S2\" id=\"t2x_119\">5,608,564 </span><span class=\"S2334 SA7 S2\" id=\"t2y_119\">High risk grade (8-9) </span><span class=\"S2335 SA7 S2\" id=\"t2z_119\">289,030 </span><span class=\"S2336 SA7 S2\" id=\"t30_119\">526,928 </span><span class=\"S2337 SA7 S2\" id=\"t31_119\">- </span><span class=\"S2338 SA7 S2\" id=\"t32_119\">2,563 </span><span class=\"S2339 SA7 S2\" id=\"t33_119\">818,521 </span><span class=\"SF24 SA7 S2\" id=\"t34_119\">Non-performing </span><span class=\"S233A SA7 S2\" id=\"t35_119\">- </span><span class=\"S233B SA7 S2\" id=\"t36_119\">4,175 </span><span class=\"S233C SA7 S2\" id=\"t37_119\">800,217 </span><span class=\"S233D SA7 S2\" id=\"t38_119\">47,931 </span><span class=\"S233E SA7 S2\" id=\"t39_119\">852,323 </span><span class=\"S233F SB S2\" id=\"t3a_119\">Total loans at amortized cost </span><span class=\"S2340 SB S2\" id=\"t3b_119\">and finance lease receivable </span><span class=\"S2341 SB S2\" id=\"t3c_119\">12,626,027 </span><span class=\"S2342 SB S2\" id=\"t3d_119\">2,031,441 </span><span class=\"S2343 SB S2\" id=\"t3e_119\">800,217 </span><span class=\"S2344 SB S2\" id=\"t3f_119\">100,123 </span><span class=\"S2345 SB S2\" id=\"t3g_119\">15,557,808 </span><span class=\"S2346 SB S2\" id=\"t3h_119\">2021 </span><span class=\"S2347 SB S2\" id=\"t3i_119\">Accumulated loss allowance </span><span class=\"S2348 SB S2\" id=\"t3j_119\">Internal rating grade </span><span class=\"S2349 SB S2\" id=\"t3k_119\">Stage 1 </span><span class=\"S234A SB S2\" id=\"t3l_119\">Stage 2 </span><span class=\"S234B SB S2\" id=\"t3m_119\">Stage 3 </span><span class=\"S234C SB S2\" id=\"t3n_119\">POCI </span><span class=\"S234D SB S2\" id=\"t3o_119\">Total </span><span class=\"S1536 SA7 S2\" id=\"t3p_119\">Low risk grade (1-4) </span><span class=\"S234E SA7 S2\" id=\"t3q_119\">52,654 </span><span class=\"S234F SA7 S2\" id=\"t3r_119\">42,988 </span><span class=\"S2350 SA7 S2\" id=\"t3s_119\">- </span><span class=\"S2351 SA7 S2\" id=\"t3t_119\">129 </span><span class=\"S2352 SA7 S2\" id=\"t3u_119\">95,771 </span><span class=\"S2353 SA7 S2\" id=\"t3v_119\">Medium risk grade (5-7) </span><span class=\"S2354 SA7 S2\" id=\"t3w_119\">57,421 </span><span class=\"S2355 SA7 S2\" id=\"t3x_119\">81,894 </span><span class=\"S2356 SA7 S2\" id=\"t3y_119\">- </span><span class=\"S2357 SA7 S2\" id=\"t3z_119\">13,009 </span><span class=\"S2358 SA7 S2\" id=\"t40_119\">152,324 </span><span class=\"S2359 SA7 S2\" id=\"t41_119\">High risk grade (8-9) </span><span class=\"S235A SA7 S2\" id=\"t42_119\">14,746 </span><span class=\"S235B SA7 S2\" id=\"t43_119\">78,111 </span><span class=\"S235C SA7 S2\" id=\"t44_119\">- </span><span class=\"S235D SA7 S2\" id=\"t45_119\">375 </span><span class=\"S235E SA7 S2\" id=\"t46_119\">93,232 </span><span class=\"S235F SA7 S2\" id=\"t47_119\">Non-performing </span><span class=\"S2360 SA7 S2\" id=\"t48_119\">- </span><span class=\"S2361 SA7 S2\" id=\"t49_119\">3,779 </span><span class=\"S2362 SA7 S2\" id=\"t4a_119\">506,814 </span><span class=\"S2363 SA7 S2\" id=\"t4b_119\">30,077 </span><span class=\"S2364 SA7 S2\" id=\"t4c_119\">540,670 </span><span class=\"S2365 SB S2\" id=\"t4d_119\">Total loans at amortized cost </span><span class=\"S2366 SB S2\" id=\"t4e_119\">and finance lease receivable </span><span class=\"S2367 SB S2\" id=\"t4f_119\">124,821 </span><span class=\"S2368 SB S2\" id=\"t4g_119\">206,772 </span><span class=\"S2369 SB S2\" id=\"t4h_119\">506,814 </span><span class=\"S236A SB S2\" id=\"t4i_119\">43,590 </span><span class=\"S236B SB S2\" id=\"t4j_119\">881,997 </span><span class=\"S236C SB S2\" id=\"t5_120\">37.1.   Credit risk [continued] </span><span class=\"S236D SB S2\" id=\"t6_120\">37.1.4. </span><span class=\"S236E SB S2\" id=\"t7_120\">Loan portfolio by countries </span><span class=\"S236F SA7 S2\" id=\"t8_120\">An analysis of the non-qualified and qualified gross loan portfolio at amortized cost, finance lease receivables, </span><span class=\"S2370 SA7 S2\" id=\"t9_120\">placements with other banks and repo receivables and their loss allowances by country is as follows: </span><span class=\"S2371 S27D S2\" id=\"ta_120\">2022 </span><span class=\"S2372 S27D S2\" id=\"tb_120\">2021 </span><span class=\"S2373 S27D S2\" id=\"tc_120\">Country </span><span class=\"S2374 S27D S2\" id=\"td_120\">Gross amount of </span><span class=\"S2375 S27D S2\" id=\"te_120\">exposure </span><span class=\"S2376 S27D S2\" id=\"tf_120\">Loss </span><span class=\"S2377 S27D S2\" id=\"tg_120\">allowance </span><span class=\"S2378 S27D S2\" id=\"th_120\">Gross amount of </span><span class=\"S2379 S27D S2\" id=\"ti_120\">exposure </span><span class=\"S237A S27D S2\" id=\"tj_120\">Loss </span><span class=\"S237B S27D S2\" id=\"tk_120\">allowance </span><span class=\"S237C S27E S2\" id=\"tl_120\">Hungary </span><span class=\"S237D S27E S2\" id=\"tm_120\">5,955,212 </span><span class=\"S237E S27E S2\" id=\"tn_120\">235,946 </span><span class=\"S237F S27E S2\" id=\"to_120\">5,528,516 </span><span class=\"S2380 S27E S2\" id=\"tp_120\">215,911 </span><span class=\"S2381 S27E S2\" id=\"tq_120\">Bulgaria </span><span class=\"S2382 S27E S2\" id=\"tr_120\">3,537,330 </span><span class=\"S2383 S27E S2\" id=\"ts_120\">159,412 </span><span class=\"S2384 S27E S2\" id=\"tt_120\">2,972,390 </span><span class=\"S2385 S27E S2\" id=\"tu_120\">206,233 </span><span class=\"S2386 S27E S2\" id=\"tv_120\">Croatia </span><span class=\"S2387 S27E S2\" id=\"tw_120\">2,279,085 </span><span class=\"S2388 S27E S2\" id=\"tx_120\">102,039 </span><span class=\"S2389 S27E S2\" id=\"ty_120\">1,826,233 </span><span class=\"S238A S27E S2\" id=\"tz_120\">101,067 </span><span class=\"S238B S27E S2\" id=\"t10_120\">Serbia </span><span class=\"S238C S27E S2\" id=\"t11_120\">2,127,646 </span><span class=\"S238D S27E S2\" id=\"t12_120\">70,779 </span><span class=\"S238E S27E S2\" id=\"t13_120\">1,729,147 </span><span class=\"S238F S27E S2\" id=\"t14_120\">47,085 </span><span class=\"S2390 S27E S2\" id=\"t15_120\">Romania </span><span class=\"S2391 S27E S2\" id=\"t16_120\">1,326,510 </span><span class=\"S2392 S27E S2\" id=\"t17_120\">65,646 </span><span class=\"S2393 S27E S2\" id=\"t18_120\">1,076,696 </span><span class=\"S2394 S27E S2\" id=\"t19_120\">57,665 </span><span class=\"S2395 S27E S2\" id=\"t1a_120\">Slovenia </span><span class=\"S2396 S27E S2\" id=\"t1b_120\">1,200,735 </span><span class=\"S2397 S27E S2\" id=\"t1c_120\">14,627 </span><span class=\"S2398 S27E S2\" id=\"t1d_120\">981,307 </span><span class=\"S2399 S27E S2\" id=\"t1e_120\">16,244 </span><span class=\"S239A S27E S2\" id=\"t1f_120\">Russia </span><span class=\"S239B S27E S2\" id=\"t1g_120\">1,053,208 </span><span class=\"S239C S27E S2\" id=\"t1h_120\">187,610 </span><span class=\"S239D S27E S2\" id=\"t1i_120\">812,070 </span><span class=\"S239E S27E S2\" id=\"t1j_120\">137,920 </span><span class=\"S239F S27E S2\" id=\"t1k_120\">Ukraine </span><span class=\"S23A0 S27E S2\" id=\"t1l_120\">543,159 </span><span class=\"S23A1 S27E S2\" id=\"t1m_120\">124,859 </span><span class=\"S23A2 S27E S2\" id=\"t1n_120\">684,030 </span><span class=\"S23A3 S27E S2\" id=\"t1o_120\">52,678 </span><span class=\"S23A4 S27E S2\" id=\"t1p_120\">Montenegro </span><span class=\"S23A5 S27E S2\" id=\"t1q_120\">454,567 </span><span class=\"S23A6 S27E S2\" id=\"t1r_120\">22,421 </span><span class=\"S23A7 S27E S2\" id=\"t1s_120\">385,342 </span><span class=\"S23A8 S27E S2\" id=\"t1t_120\">24,930 </span><span class=\"S23A9 S27E S2\" id=\"t1u_120\">France </span><span class=\"S23AA S27E S2\" id=\"t1v_120\">272,848 </span><span class=\"S23AB S27E S2\" id=\"t1w_120\">1,171 </span><span class=\"S23AC S27E S2\" id=\"t1x_120\">182,850 </span><span class=\"S23AD S27E S2\" id=\"t1y_120\">725 </span><span class=\"S23AE S27E S2\" id=\"t1z_120\">Albania </span><span class=\"S23AF S27E S2\" id=\"t20_120\">390,856 </span><span class=\"S23B0 S27E S2\" id=\"t21_120\">16,660 </span><span class=\"S23B1 S27E S2\" id=\"t22_120\">233,391 </span><span class=\"S23B2 S27E S2\" id=\"t23_120\">10,551 </span><span class=\"S23B3 S27E S2\" id=\"t24_120\">Moldova </span><span class=\"S23B4 S27E S2\" id=\"t25_120\">171,616 </span><span class=\"S23B5 S27E S2\" id=\"t26_120\">11,181 </span><span class=\"S23B6 S27E S2\" id=\"t27_120\">166,720 </span><span class=\"S23B7 S27E S2\" id=\"t28_120\">5,025 </span><span class=\"S23B8 S27E S2\" id=\"t29_120\">Germany </span><span class=\"S23B9 S27E S2\" id=\"t2a_120\">39,631 </span><span class=\"S23BA S27E S2\" id=\"t2b_120\">525 </span><span class=\"S23BB S27E S2\" id=\"t2c_120\">84,164 </span><span class=\"S23BC S27E S2\" id=\"t2d_120\">675 </span><span class=\"S23BD S27E S2\" id=\"t2e_120\">Belgium </span><span class=\"S23BE S27E S2\" id=\"t2f_120\">38,855 </span><span class=\"S23BF S27E S2\" id=\"t2g_120\">134 </span><span class=\"S23C0 S27E S2\" id=\"t2h_120\">80,434 </span><span class=\"S23C1 S27E S2\" id=\"t2i_120\">328 </span><span class=\"S23C2 S27E S2\" id=\"t2j_120\">Austria </span><span class=\"S23C3 S27E S2\" id=\"t2k_120\">3,182 </span><span class=\"S23C4 S27E S2\" id=\"t2l_120\">31 </span><span class=\"S23C5 S27E S2\" id=\"t2m_120\">40,426 </span><span class=\"S23C6 S27E S2\" id=\"t2n_120\">201 </span><span class=\"S23C7 S27E S2\" id=\"t2o_120\">Slovakia </span><span class=\"S23C8 S27E S2\" id=\"t2p_120\">121,591 </span><span class=\"S23C9 S27E S2\" id=\"t2q_120\">545 </span><span class=\"S23CA S27E S2\" id=\"t2r_120\">80,117 </span><span class=\"S23CB S27E S2\" id=\"t2s_120\">319 </span><span class=\"S23CC S27E S2\" id=\"t2t_120\">The Netherlands </span><span class=\"S23CD S27E S2\" id=\"t2u_120\">101,078 </span><span class=\"S23CE S27E S2\" id=\"t2v_120\">1,864 </span><span class=\"S23CF S27E S2\" id=\"t2w_120\">36,858 </span><span class=\"S23D0 S27E S2\" id=\"t2x_120\">622 </span><span class=\"S23D1 S27E S2\" id=\"t2y_120\">Switzerland </span><span class=\"S23D2 S27E S2\" id=\"t2z_120\">63,843 </span><span class=\"S23D3 S27E S2\" id=\"t30_120\">3,138 </span><span class=\"S23D4 S27E S2\" id=\"t31_120\">80,611 </span><span class=\"S23D5 S27E S2\" id=\"t32_120\">1,701 </span><span class=\"S23D6 S27E S2\" id=\"t33_120\">United Kingdom </span><span class=\"S23D7 S27E S2\" id=\"t34_120\">13,833 </span><span class=\"S23D8 S27E S2\" id=\"t35_120\">1,336 </span><span class=\"S23D9 S27E S2\" id=\"t36_120\">21,209 </span><span class=\"S23DA S27E S2\" id=\"t37_120\">1,763 </span><span class=\"S23DB S27E S2\" id=\"t38_120\">United States of America </span><span class=\"S23DC S27E S2\" id=\"t39_120\">45,232 </span><span class=\"S23DD S27E S2\" id=\"t3a_120\">205 </span><span class=\"S23DE S27E S2\" id=\"t3b_120\">106,347 </span><span class=\"S23DF S27E S2\" id=\"t3c_120\">419 </span><span class=\"S23E0 S27E S2\" id=\"t3d_120\">Luxembourg </span><span class=\"S23E1 S27E S2\" id=\"t3e_120\">3,477 </span><span class=\"S23E2 S27E S2\" id=\"t3f_120\">1,085 </span><span class=\"S23E3 S27E S2\" id=\"t3g_120\">33,251 </span><span class=\"S23E4 S27E S2\" id=\"t3h_120\">1,271 </span><span class=\"S23E5 S27E S2\" id=\"t3i_120\">Poland </span><span class=\"S23E6 S27E S2\" id=\"t3j_120\">34,012 </span><span class=\"S23E7 S27E S2\" id=\"t3k_120\">987 </span><span class=\"S23E8 S27E S2\" id=\"t3l_120\">19,203 </span><span class=\"S23E9 S27E S2\" id=\"t3m_120\">239 </span><span class=\"S23EA S27E S2\" id=\"t3n_120\">Italy </span><span class=\"S23EB S27E S2\" id=\"t3o_120\">9,330 </span><span class=\"S23EC S27E S2\" id=\"t3p_120\">235 </span><span class=\"S23ED S27E S2\" id=\"t3q_120\">10,558 </span><span class=\"S23EE S27E S2\" id=\"t3r_120\">239 </span><span class=\"S23EF S27E S2\" id=\"t3s_120\">Ireland </span><span class=\"S23F0 S27E S2\" id=\"t3t_120\">5,966 </span><span class=\"S23F1 S27E S2\" id=\"t3u_120\">116 </span><span class=\"S23F2 S27E S2\" id=\"t3v_120\">5,375 </span><span class=\"S23F3 S27E S2\" id=\"t3w_120\">106 </span><span class=\"S23F4 S27E S2\" id=\"t3x_120\">Cyprus </span><span class=\"S23F5 S27E S2\" id=\"t3y_120\">5,311 </span><span class=\"S23F6 S27E S2\" id=\"t3z_120\">217 </span><span class=\"S23F7 S27E S2\" id=\"t40_120\">8,646 </span><span class=\"S23F8 S27E S2\" id=\"t41_120\">562 </span><span class=\"S23F9 S27E S2\" id=\"t42_120\">Denmark </span><span class=\"S23FA S27E S2\" id=\"t43_120\">46 </span><span class=\"S23FB S27E S2\" id=\"t44_120\">7 </span><span class=\"S23FC S27E S2\" id=\"t45_120\">339 </span><span class=\"S23FD S27E S2\" id=\"t46_120\">16 </span><span class=\"S23FE S27E S2\" id=\"t47_120\">Czech Republic </span><span class=\"S23FF S27E S2\" id=\"t48_120\">739 </span><span class=\"S2400 S27E S2\" id=\"t49_120\">10 </span><span class=\"S2401 S27E S2\" id=\"t4a_120\">899 </span><span class=\"S2402 S27E S2\" id=\"t4b_120\">12 </span><span class=\"S2403 S27E S2\" id=\"t4c_120\">Canada </span><span class=\"S2404 S27E S2\" id=\"t4d_120\">74 </span><span class=\"S2405 S27E S2\" id=\"t4e_120\">4 </span><span class=\"S2406 S27E S2\" id=\"t4f_120\">4,823 </span><span class=\"S2407 S27E S2\" id=\"t4g_120\">16 </span><span class=\"S2408 S27E S2\" id=\"t4h_120\">Australia </span><span class=\"S2409 S27E S2\" id=\"t4i_120\">58 </span><span class=\"S240A S27E S2\" id=\"t4j_120\">13 </span><span class=\"S240B S27E S2\" id=\"t4k_120\">3,164 </span><span class=\"S240C S27E S2\" id=\"t4l_120\">10 </span><span class=\"S240D S27E S2\" id=\"t4m_120\">Greece </span><span class=\"S240E S27E S2\" id=\"t4n_120\">999 </span><span class=\"S240F S27E S2\" id=\"t4o_120\">122 </span><span class=\"S2410 S27E S2\" id=\"t4p_120\">1,808 </span><span class=\"S2411 S27E S2\" id=\"t4q_120\">192 </span><span class=\"S2412 S27E S2\" id=\"t4r_120\">Turkey </span><span class=\"S2413 S27E S2\" id=\"t4s_120\">1,418 </span><span class=\"S2414 S27E S2\" id=\"t4t_120\">63 </span><span class=\"S2415 S27E S2\" id=\"t4u_120\">1,810 </span><span class=\"S2416 S27E S2\" id=\"t4v_120\">95 </span><span class=\"S2417 S27E S2\" id=\"t4w_120\">Spain </span><span class=\"S2418 S27E S2\" id=\"t4x_120\">1,164 </span><span class=\"S2419 S27E S2\" id=\"t4y_120\">35 </span><span class=\"S241A S27E S2\" id=\"t4z_120\">1,095 </span><span class=\"S241B S27E S2\" id=\"t50_120\">25 </span><span class=\"S241C S27E S2\" id=\"t51_120\">Israel </span><span class=\"S241D S27E S2\" id=\"t52_120\">937 </span><span class=\"S241E S27E S2\" id=\"t53_120\">13 </span><span class=\"S241F S27E S2\" id=\"t54_120\">1,174 </span><span class=\"S2420 S27E S2\" id=\"t55_120\">15 </span><span class=\"S2421 S27E S2\" id=\"t56_120\">Bosnia and Herzegovina </span><span class=\"S2422 S27E S2\" id=\"t57_120\">673 </span><span class=\"S2423 S27E S2\" id=\"t58_120\">97 </span><span class=\"S2424 S27E S2\" id=\"t59_120\">467 </span><span class=\"S2425 S27E S2\" id=\"t5a_120\">76 </span><span class=\"S2426 S27E S2\" id=\"t5b_120\">Sweden </span><span class=\"S2427 S27E S2\" id=\"t5c_120\">542 </span><span class=\"S2428 S27E S2\" id=\"t5d_120\">30 </span><span class=\"S2429 S27E S2\" id=\"t5e_120\">810 </span><span class=\"S242A S27E S2\" id=\"t5f_120\">63 </span><span class=\"S242B S27E S2\" id=\"t5g_120\">Norway </span><span class=\"S242C S27E S2\" id=\"t5h_120\">107 </span><span class=\"S242D S27E S2\" id=\"t5i_120\">9 </span><span class=\"S242E S27E S2\" id=\"t5j_120\">334 </span><span class=\"S242F S27E S2\" id=\"t5k_120\">23 </span><span class=\"S2430 S27E S2\" id=\"t5l_120\">Saudi Arabia </span><span class=\"S2431 S27E S2\" id=\"t5m_120\">87 </span><span class=\"S2432 S27E S2\" id=\"t5n_120\">70 </span><span class=\"S2433 S27E S2\" id=\"t5o_120\">239 </span><span class=\"S2434 S27E S2\" id=\"t5p_120\">9 </span><span class=\"S2435 S27E S2\" id=\"t5q_120\">United Arab Emirates </span><span class=\"S2436 S27E S2\" id=\"t5r_120\">36 </span><span class=\"S2437 S27E S2\" id=\"t5s_120\">26 </span><span class=\"S2438 S27E S2\" id=\"t5t_120\">532 </span><span class=\"S2439 S27E S2\" id=\"t5u_120\">30 </span><span class=\"S243A S27E S2\" id=\"t5v_120\">Egypt </span><span class=\"S243B S27E S2\" id=\"t5w_120\">726 </span><span class=\"S243C S27E S2\" id=\"t5x_120\">14 </span><span class=\"S243D S27E S2\" id=\"t5y_120\">582 </span><span class=\"S243E S27E S2\" id=\"t5z_120\">15 </span><span class=\"S243F S27E S2\" id=\"t60_120\">Kazakhstan </span><span class=\"S2440 S27E S2\" id=\"t61_120\">224 </span><span class=\"S2441 S27E S2\" id=\"t62_120\">9 </span><span class=\"S2442 S27E S2\" id=\"t63_120\">209 </span><span class=\"S2443 S27E S2\" id=\"t64_120\">15 </span><span class=\"S2444 S27E S2\" id=\"t65_120\">Latvia </span><span class=\"S2445 S27E S2\" id=\"t66_120\">50 </span><span class=\"S2446 S27E S2\" id=\"t67_120\">30 </span><span class=\"S2447 S27E S2\" id=\"t68_120\">46 </span><span class=\"S2448 S27E S2\" id=\"t69_120\">26 </span><span class=\"S2449 S27E S2\" id=\"t6a_120\">Other </span><span class=\"S244A S1F81 S2\" id=\"t6b_120\">1 </span><span class=\"S244B S27E S2\" id=\"t6c_120\">2,877 </span><span class=\"S244C S27E S2\" id=\"t6d_120\">248 </span><span class=\"S244D S27E S2\" id=\"t6e_120\">2,783 </span><span class=\"S244E S27E S2\" id=\"t6f_120\">164 </span><span class=\"S244F S27D S2\" id=\"t6g_120\">Total </span><span class=\"S2450 S27D S2\" id=\"t6h_120\">19,808,870 </span><span class=\"S2451 S27D S2\" id=\"t6i_120\">1,023,569 </span><span class=\"S2452 S27D S2\" id=\"t6j_120\">17,207,005 </span><span class=\"S2453 S27D S2\" id=\"t6k_120\">885,281 </span><span class=\"S2454 S482 S2\" id=\"t6l_120\">1 </span><span class=\"S2455 S483 S2\" id=\"t6m_120\">Other category as at 31 December 2022 mainly includes e.g.: Japan, Macedonia, Portugal, China, Brazil, Lithuania, Republic of South- </span><span class=\"S2456 S483 S2\" id=\"t6n_120\">Africa, Armenia, Belorussia, Tunisia, Iran, Syria, Kosovo and other countries. </span><span class=\"S1E6F SB S2\" id=\"t5_121\">37.1.  Credit risk [continued] </span><span class=\"S2457 SB S2\" id=\"t6_121\">37.1.4.  Loan portfolio by countries [continued] </span><span class=\"S2458 SB S2\" id=\"t7_121\">Country </span><span class=\"SE8E SB S2\" id=\"t8_121\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_121\">2021 </span><span class=\"S2459 SA7 S2\" id=\"ta_121\">Hungary </span><span class=\"S245A SA7 S2\" id=\"tb_121\">1,247,401 </span><span class=\"S245B SA7 S2\" id=\"tc_121\">1,067,830 </span><span class=\"S245C SA7 S2\" id=\"td_121\">Croatia </span><span class=\"SFF9 SA7 S2\" id=\"te_121\">- </span><span class=\"S245D SA7 S2\" id=\"tf_121\">281 </span><span class=\"S245E SA7 S2\" id=\"tg_121\">Others </span><span class=\"S245F SA7 S2\" id=\"th_121\">13 </span><span class=\"S2460 SA7 S2\" id=\"ti_121\">- </span><span class=\"S2461 SB S2\" id=\"tj_121\">Total loans at fair value </span><span class=\"S2462 SB S2\" id=\"tk_121\">1,247,414 </span><span class=\"S2463 SB S2\" id=\"tl_121\">1,068,111 </span><span class=\"S2464 SB S2\" id=\"tm_121\">37.1.5.  Loan portfolio classification by economic activities </span><span class=\"S2465 SB S2\" id=\"tn_121\">Gross loan at amortized cost and finance lease </span><span class=\"S2466 SB S2\" id=\"to_121\">2022 </span><span class=\"S2467 SB S2\" id=\"tp_121\">2021 </span><span class=\"S2468 SB S2\" id=\"tq_121\">receivable portfolio by economic activities </span><span class=\"S2469 SA7 S2\" id=\"tr_121\">Retail </span><span class=\"S246A SA7 S2\" id=\"ts_121\">8,575,020 </span><span class=\"S246B SA7 S2\" id=\"tt_121\">7,826,752 </span><span class=\"S246C SA7 S2\" id=\"tu_121\">Agriculture, forestry and fishing </span><span class=\"S246D SA7 S2\" id=\"tv_121\">752,497 </span><span class=\"S246E SA7 S2\" id=\"tw_121\">610,270 </span><span class=\"S246F SA7 S2\" id=\"tx_121\">Manufacturing, mining and quarrying </span><span class=\"S2470 SA7 S2\" id=\"ty_121\">and other industry </span><span class=\"S2471 SA7 S2\" id=\"tz_121\">2,338,129 </span><span class=\"S2472 SA7 S2\" id=\"t10_121\">1,830,591 </span><span class=\"S2473 SA7 S2\" id=\"t11_121\">Construction </span><span class=\"S2474 SA7 S2\" id=\"t12_121\">734,908 </span><span class=\"S2475 SA7 S2\" id=\"t13_121\">600,945 </span><span class=\"S2476 SA7 S2\" id=\"t14_121\">Wholesale and retail trade, transportation and </span><span class=\"S2477 SA7 S2\" id=\"t15_121\">storage accommodation and food service activities </span><span class=\"S2478 SA7 S2\" id=\"t16_121\">2,948,392 </span><span class=\"S2479 SA7 S2\" id=\"t17_121\">2,525,942 </span><span class=\"S247A SA7 S2\" id=\"t18_121\">Information and communication </span><span class=\"S247B SA7 S2\" id=\"t19_121\">241,809 </span><span class=\"S247C SA7 S2\" id=\"t1a_121\">196,045 </span><span class=\"S247D SA7 S2\" id=\"t1b_121\">Financial and insurance activities </span><span class=\"S247E SA7 S2\" id=\"t1c_121\">354,235 </span><span class=\"S247F SA7 S2\" id=\"t1d_121\">273,817 </span><span class=\"S2480 SA7 S2\" id=\"t1e_121\">Real estate activities </span><span class=\"S2481 SA7 S2\" id=\"t1f_121\">841,069 </span><span class=\"S2482 SA7 S2\" id=\"t1g_121\">568,810 </span><span class=\"S2483 SA7 S2\" id=\"t1h_121\">Professional, scientific, technical, administration </span><span class=\"S2484 SA7 S2\" id=\"t1i_121\">and support service activities </span><span class=\"S2485 SA7 S2\" id=\"t1j_121\">657,055 </span><span class=\"S2486 SA7 S2\" id=\"t1k_121\">437,813 </span><span class=\"S2487 SA7 S2\" id=\"t1l_121\">Public administration, defence, education, </span><span class=\"S2488 SA7 S2\" id=\"t1m_121\">human health and social work activities </span><span class=\"S2489 SA7 S2\" id=\"t1n_121\">494,955 </span><span class=\"S248A SA7 S2\" id=\"t1o_121\">429,290 </span><span class=\"S248B SA7 S2\" id=\"t1p_121\">Other services </span><span class=\"S248C SA7 S2\" id=\"t1q_121\">474,632 </span><span class=\"S248D SA7 S2\" id=\"t1r_121\">257,533 </span><span class=\"S248E SB S2\" id=\"t1s_121\">Total gross loans and finance lease receivable </span><span class=\"S248F SB S2\" id=\"t1t_121\">18,412,701 </span><span class=\"S2490 SB S2\" id=\"t1u_121\">15,557,808 </span><span class=\"S1E6F SB S2\" id=\"t5_122\">37.1.  Credit risk [continued] </span><span class=\"S2492 SB S2\" id=\"t6_122\">37.1.5.  Loan portfolio classification by economic activities [continued] </span><span class=\"S2493 SB S2\" id=\"t7_122\">Loss allowance on loans at amortized cost and </span><span class=\"SE8E SB S2\" id=\"t8_122\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_122\">2021 </span><span class=\"S2494 SB S2\" id=\"ta_122\">finance lease receivable by economic activities </span><span class=\"S2495 SA7 S2\" id=\"tb_122\">Retail </span><span class=\"S2496 SA7 S2\" id=\"tc_122\">633,253 </span><span class=\"S2497 SA7 S2\" id=\"td_122\">599,650 </span><span class=\"S2498 SA7 S2\" id=\"te_122\">Agriculture, forestry and fishing </span><span class=\"S2499 SA7 S2\" id=\"tf_122\">39,200 </span><span class=\"S249A SA7 S2\" id=\"tg_122\">20,118 </span><span class=\"S249B SA7 S2\" id=\"th_122\">Manufacturing, mining and quarrying </span><span class=\"S249C SA7 S2\" id=\"ti_122\">and other industry </span><span class=\"SFFF SA7 S2\" id=\"tj_122\">94,324 </span><span class=\"S249D SA7 S2\" id=\"tk_122\">62,951 </span><span class=\"S249E SA7 S2\" id=\"tl_122\">Construction </span><span class=\"S249F SA7 S2\" id=\"tm_122\">26,040 </span><span class=\"S24A0 SA7 S2\" id=\"tn_122\">22,165 </span><span class=\"S24A1 SA7 S2\" id=\"to_122\">Wholesale and retail trade, transportation and </span><span class=\"S24A2 SA7 S2\" id=\"tp_122\">storage accommodation and food service activities </span><span class=\"S24A3 SA7 S2\" id=\"tq_122\">141,799 </span><span class=\"S24A4 SA7 S2\" id=\"tr_122\">105,934 </span><span class=\"S24A5 SA7 S2\" id=\"ts_122\">Information and communication </span><span class=\"S24A6 SA7 S2\" id=\"tt_122\">6,293 </span><span class=\"S100C SA7 S2\" id=\"tu_122\">5,117 </span><span class=\"S24A7 SA7 S2\" id=\"tv_122\">Financial and insurance activities </span><span class=\"S24A8 SA7 S2\" id=\"tw_122\">12,373 </span><span class=\"S24A9 SA7 S2\" id=\"tx_122\">12,945 </span><span class=\"S24AA SA7 S2\" id=\"ty_122\">Real estate activities </span><span class=\"S24AB SA7 S2\" id=\"tz_122\">29,500 </span><span class=\"S24AC SA7 S2\" id=\"t10_122\">21,363 </span><span class=\"S24AD SA7 S2\" id=\"t11_122\">Professional, scientific, technical, administration </span><span class=\"S24AE SA7 S2\" id=\"t12_122\">and support service activities </span><span class=\"S24AF SA7 S2\" id=\"t13_122\">18,079 </span><span class=\"S24B0 SA7 S2\" id=\"t14_122\">13,464 </span><span class=\"S24B1 SA7 S2\" id=\"t15_122\">Public administration, defence, education, </span><span class=\"S24B2 SA7 S2\" id=\"t16_122\">human health and social work activities </span><span class=\"S24B3 SA7 S2\" id=\"t17_122\">7,783 </span><span class=\"S24B4 SA7 S2\" id=\"t18_122\">4,828 </span><span class=\"S24B5 SA7 S2\" id=\"t19_122\">Other services </span><span class=\"SF57 SA7 S2\" id=\"t1a_122\">10,847 </span><span class=\"SF58 SA7 S2\" id=\"t1b_122\">13,462 </span><span class=\"S24B6 SB S2\" id=\"t1c_122\">Total loss allowance on loans and </span><span class=\"S24B7 SB S2\" id=\"t1d_122\">finance lease receivable </span><span class=\"S24B8 SB S2\" id=\"t1e_122\">1,019,491 </span><span class=\"S24B9 SB S2\" id=\"t1f_122\">881,997 </span><span class=\"S24BA SB S2\" id=\"t1g_122\">37.1.6.  Collateral </span><span class=\"S24BB SA7 S2\" id=\"t1h_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24BC SB S2\" id=\"t1i_122\">total collateral</span><span class=\"S24BD SA7 S2\" id=\"t1j_122\">). The collateral </span><span class=\"S24BE SA7 S2\" id=\"t1k_122\">covers loans as well as off-balance sheet exposures. </span><span class=\"S24BF SB S2\" id=\"t1l_122\">Types of collateral </span><span class=\"S1842 SB S2\" id=\"t1m_122\">2022 </span><span class=\"S1843 SB S2\" id=\"t1n_122\">2021 </span><span class=\"S24C0 SA7 S2\" id=\"t1o_122\">Mortgages </span><span class=\"S24C1 SA7 S2\" id=\"t1p_122\">16,332,892 </span><span class=\"S24C2 SA7 S2\" id=\"t1q_122\">13,367,891 </span><span class=\"S24C3 SA7 S2\" id=\"t1r_122\">Guarantees and warranties </span><span class=\"S24C4 SA7 S2\" id=\"t1s_122\">1,630,318 </span><span class=\"S24C5 SA7 S2\" id=\"t1t_122\">1,296,415 </span><span class=\"S24C6 SA7 S2\" id=\"t1u_122\">Guarantees of state or organizations owned by state </span><span class=\"S24C7 SA7 S2\" id=\"t1v_122\">1,635,382 </span><span class=\"S24C8 SA7 S2\" id=\"t1w_122\">1,070,479 </span><span class=\"S24C9 SA7 S2\" id=\"t1x_122\">Assignments (revenue or other receivables) </span><span class=\"S24CA SA7 S2\" id=\"t1y_122\">423,098 </span><span class=\"S24CB SA7 S2\" id=\"t1z_122\">422,030 </span><span class=\"S24CC SA7 S2\" id=\"t20_122\">Securities </span><span class=\"S24CD SA7 S2\" id=\"t21_122\">168,941 </span><span class=\"S24CE SA7 S2\" id=\"t22_122\">237,076 </span><span class=\"S24CF SA7 S2\" id=\"t23_122\">Cash deposits </span><span class=\"S24D0 SA7 S2\" id=\"t24_122\">208,487 </span><span class=\"S24D1 SA7 S2\" id=\"t25_122\">187,934 </span><span class=\"S24D2 SA7 S2\" id=\"t26_122\">Other </span><span class=\"S24D3 SA7 S2\" id=\"t27_122\">1,758,802 </span><span class=\"S24D4 SA7 S2\" id=\"t28_122\">2,211,671 </span><span class=\"S24D5 SB S2\" id=\"t29_122\">Total </span><span class=\"S24D6 SB S2\" id=\"t2a_122\">22,157,920 </span><span class=\"S24D7 SB S2\" id=\"t2b_122\">18,793,496 </span><span class=\"S24D8 SA7 S2\" id=\"t2c_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24D9 SB S2\" id=\"t2d_122\">to the extent of the exposures</span><span class=\"S24DA SA7 S2\" id=\"t2e_122\">). </span><span class=\"S24DB SA7 S2\" id=\"t2f_122\">The collaterals cover loans as well as off-balance sheet exposures. </span><span class=\"S24DC SB S2\" id=\"t2g_122\">Types of collateral </span><span class=\"S24DD SB S2\" id=\"t2h_122\">2022 </span><span class=\"S24DE SB S2\" id=\"t2i_122\">2021 </span><span class=\"S24DF SA7 S2\" id=\"t2j_122\">Mortgages </span><span class=\"S24E0 SA7 S2\" id=\"t2k_122\">8,044,836 </span><span class=\"S24E1 SA7 S2\" id=\"t2l_122\">6,479,871 </span><span class=\"S24E2 SA7 S2\" id=\"t2m_122\">Guarantees of state or organizations owned by state </span><span class=\"S24E3 SA7 S2\" id=\"t2n_122\">1,241,702 </span><span class=\"S24E4 SA7 S2\" id=\"t2o_122\">832,432 </span><span class=\"S24E5 SA7 S2\" id=\"t2p_122\">Guarantees and warranties </span><span class=\"S24E6 SA7 S2\" id=\"t2q_122\">1,016,672 </span><span class=\"S24E7 SA7 S2\" id=\"t2r_122\">799,775 </span><span class=\"S24E8 SA7 S2\" id=\"t2s_122\">Assignments (revenue or other receivables) </span><span class=\"S24E9 SA7 S2\" id=\"t2t_122\">220,062 </span><span class=\"S24EA SA7 S2\" id=\"t2u_122\">290,066 </span><span class=\"S24EB SA7 S2\" id=\"t2v_122\">Securities </span><span class=\"S24EC SA7 S2\" id=\"t2w_122\">99,345 </span><span class=\"S24ED SA7 S2\" id=\"t2x_122\">156,715 </span><span class=\"S24EE SA7 S2\" id=\"t2y_122\">Cash deposits </span><span class=\"S24EF SA7 S2\" id=\"t2z_122\">80,313 </span><span class=\"S24F0 SA7 S2\" id=\"t30_122\">76,338 </span><span class=\"S24F1 SA7 S2\" id=\"t31_122\">Other </span><span class=\"S24F2 SA7 S2\" id=\"t32_122\">752,241 </span><span class=\"S24F3 SA7 S2\" id=\"t33_122\">1,295,740 </span><span class=\"S24F4 SB S2\" id=\"t34_122\">Total </span><span class=\"S24F5 SB S2\" id=\"t35_122\">11,455,171 </span><span class=\"S24F6 SB S2\" id=\"t36_122\">9,930,937 </span><span class=\"S1E6F SB S2\" id=\"t5_123\">37.1.  Credit risk [continued] </span><span class=\"S24F7 SB S2\" id=\"t6_123\">37.1.6.  Collateral [continued] </span><span class=\"S24F8 SA7 S2\" id=\"t7_123\">The coverage level of the loan portfolio (total collateral) increased by 2.22 pps and the coverage level to the extent </span><span class=\"S746 SA7 S2\" id=\"t8_123\">of the exposures also increased by 0.06 pps as at 31 December 2022. </span><span class=\"S8B0 SA7 S2\" id=\"t9_123\">The values of collateral given and held by the Group according to which financial asset is recognized as collateral </span><span class=\"S24F9 SA7 S2\" id=\"ta_123\">are as follows: </span><span class=\"S24FA SB S2\" id=\"tb_123\">Financial assets as collaterals recognized in the </span><span class=\"S24FB SB S2\" id=\"tc_123\">2022 </span><span class=\"S24FC SB S2\" id=\"td_123\">2021 </span><span class=\"S24FD SB S2\" id=\"te_123\">consolidated statement of financial position </span><span class=\"S24FE SA7 S2\" id=\"tf_123\">Cash, amounts due from banks and balances </span><span class=\"S24FF SA7 S2\" id=\"tg_123\">with the National Banks </span><span class=\"S2500 SA7 S2\" id=\"th_123\">87,916 </span><span class=\"S2501 SA7 S2\" id=\"ti_123\">15,791 </span><span class=\"S2502 SA7 S2\" id=\"tj_123\">Placements with other banks </span><span class=\"S2503 SA7 S2\" id=\"tk_123\">11,313 </span><span class=\"S2504 SA7 S2\" id=\"tl_123\">9,590 </span><span class=\"S2505 SA7 S2\" id=\"tm_123\">Repo receivables </span><span class=\"S2506 SA7 S2\" id=\"tn_123\">13,253 </span><span class=\"S2507 SA7 S2\" id=\"to_123\">35,826 </span><span class=\"S2508 SA7 S2\" id=\"tp_123\">Securities at fair value through other comprehensive income </span><span class=\"S2509 SA7 S2\" id=\"tq_123\">- </span><span class=\"S250A SA7 S2\" id=\"tr_123\">16,546 </span><span class=\"S250B SA7 S2\" id=\"ts_123\">Securities at amortized cost </span><span class=\"S250C SA7 S2\" id=\"tt_123\">91,991 </span><span class=\"S250D SA7 S2\" id=\"tu_123\">42,233 </span><span class=\"S250E SA7 S2\" id=\"tv_123\">Loans at amortized cost </span><span class=\"S250F SA7 S2\" id=\"tw_123\">1,099,311 </span><span class=\"S2510 SA7 S2\" id=\"tx_123\">1,089,614 </span><span class=\"S2511 SA7 S2\" id=\"ty_123\">Finance lease receivables </span><span class=\"S2512 SA7 S2\" id=\"tz_123\">32,553 </span><span class=\"S2513 SA7 S2\" id=\"t10_123\">32,553 </span><span class=\"S2514 SB S2\" id=\"t11_123\">Total </span><span class=\"S2515 SB S2\" id=\"t12_123\">1,336,337 </span><span class=\"S2516 SB S2\" id=\"t13_123\">1,242,153 </span><span class=\"S2517 SB S2\" id=\"t14_123\">37.1.7.  Restructured loans </span><span class=\"S2518 SB S2\" id=\"t15_123\">2022 </span><span class=\"S2519 SB S2\" id=\"t16_123\">2021 </span><span class=\"S251A SB S2\" id=\"t17_123\">Gross </span><span class=\"S251B SB S2\" id=\"t18_123\">portfolio </span><span class=\"S251C SB S2\" id=\"t19_123\">Loss </span><span class=\"S251D SB S2\" id=\"t1a_123\">allowance </span><span class=\"S251E SB S2\" id=\"t1b_123\">Gross </span><span class=\"S251F SB S2\" id=\"t1c_123\">portfolio </span><span class=\"S2520 SB S2\" id=\"t1d_123\">Loss </span><span class=\"S2521 SB S2\" id=\"t1e_123\">allowance </span><span class=\"S2522 SA7 S2\" id=\"t1f_123\">Retail mortgage loans </span><span class=\"S2523 SA7 S2\" id=\"t1g_123\">89,167 </span><span class=\"S2524 SA7 S2\" id=\"t1h_123\">(5,803) </span><span class=\"S2525 SA7 S2\" id=\"t1i_123\">269,700 </span><span class=\"S2526 SA7 S2\" id=\"t1j_123\">(8,779) </span><span class=\"S2527 SA7 S2\" id=\"t1k_123\">Loans to medium and large corporations </span><span class=\"S2528 SA7 S2\" id=\"t1l_123\">403,643 </span><span class=\"S2529 SA7 S2\" id=\"t1m_123\">(59,453) </span><span class=\"S252A SA7 S2\" id=\"t1n_123\">276,796 </span><span class=\"S252B SA7 S2\" id=\"t1o_123\">(44,197) </span><span class=\"S252C SA7 S2\" id=\"t1p_123\">Retail consumer loans </span><span class=\"S252D SA7 S2\" id=\"t1q_123\">64,268 </span><span class=\"S252E SA7 S2\" id=\"t1r_123\">(21,346) </span><span class=\"S252F SA7 S2\" id=\"t1s_123\">149,469 </span><span class=\"S2530 SA7 S2\" id=\"t1t_123\">(32,850) </span><span class=\"S2531 SA7 S2\" id=\"t1u_123\">Loans to micro and small enterprises </span><span class=\"S2532 SA7 S2\" id=\"t1v_123\">59,096 </span><span class=\"S2533 SA7 S2\" id=\"t1w_123\">(4,750) </span><span class=\"S2534 SA7 S2\" id=\"t1x_123\">57,403 </span><span class=\"S2535 SA7 S2\" id=\"t1y_123\">(7,668) </span><span class=\"S2536 SA7 S2\" id=\"t1z_123\">Municipal </span><span class=\"S2537 SA7 S2\" id=\"t20_123\">- </span><span class=\"S2538 SA7 S2\" id=\"t21_123\">- </span><span class=\"S2539 SA7 S2\" id=\"t22_123\">75 </span><span class=\"S253A SA7 S2\" id=\"t23_123\">(8) </span><span class=\"S253B SA7 S2\" id=\"t24_123\">Other loans </span><span class=\"S253C SA7 S2\" id=\"t25_123\">3,417 </span><span class=\"S253D SA7 S2\" id=\"t26_123\">(1,361) </span><span class=\"S253E SA7 S2\" id=\"t27_123\">27,092 </span><span class=\"S253F SA7 S2\" id=\"t28_123\">(2,555) </span><span class=\"S2540 SB S2\" id=\"t29_123\">Total </span><span class=\"S2541 SB S2\" id=\"t2a_123\">619,591 </span><span class=\"S2542 SB S2\" id=\"t2b_123\">(92,713) </span><span class=\"S2543 SB S2\" id=\"t2c_123\">780,535 </span><span class=\"S2544 SB S2\" id=\"t2d_123\">(96,057) </span><span class=\"SA12 SA7 S2\" id=\"t2e_123\">The forborne definition used by the Group is based on EU 2015/227 regulation. </span><span class=\"S2545 SA7 S2\" id=\"t2f_123\">Restructuring (forbearance) is a modification of the contract </span><span class=\"S2546 S5B9 S2\" id=\"t2g_123\">\u2013 </span><span class=\"S2547 SA7 S2\" id=\"t2h_123\">initiated by either the client or the bank </span><span class=\"S2548 S5B9 S2\" id=\"t2i_123\">\u2013 </span><span class=\"S2549 SA7 S2\" id=\"t2j_123\">that </span><span class=\"S254A SA7 S2\" id=\"t2k_123\">provides a concession or </span><span class=\"S254B S5B9 S2\" id=\"t2l_123\">allowance towards the client in respect to the client\u2019s current or future financial </span><span class=\"S254C SA7 S2\" id=\"t2m_123\">difficulties. The table of restructured loans contains exposures classified as performing forborne. An exposure is </span><span class=\"S254D SA7 S2\" id=\"t2n_123\">considered performing forborne if the conditions of the non-performing status are not met at the time of the </span><span class=\"S254E SA7 S2\" id=\"t2o_123\">restructuring, or the exposure fulfilled the requirements of the minimum one-year cure period as non-performing </span><span class=\"S254F SA7 S2\" id=\"t2p_123\">forborne. </span><span class=\"S2550 SA7 S2\" id=\"t2q_123\">The loan volume of Hungarian entities classified as performing forborne exclusively due to moratoria participation </span><span class=\"S2551 SA7 S2\" id=\"t2r_123\">decreased significantly due the expiration of the probation period for retail exposures (a total decrease of HUF 320 </span><span class=\"S2552 SA7 S2\" id=\"t2s_123\">billion). This was partially offset by the increased volume of forborne exposures in Ukraine and Russia (a total </span><span class=\"S2553 SA7 S2\" id=\"t2t_123\">increase of HUF 132 billion). </span><span class=\"S1E99 SB S2\" id=\"t5_124\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_124\">37.1.8. </span><span class=\"S2554 S603 S2\" id=\"t7_124\">Financial instruments by Moody\u2019s rating categories </span><span class=\"S2555 SB S2\" id=\"t8_124\">Securities held for trading as at fair value through profit or loss </span><span class=\"S2556 S2669 S2\" id=\"t9_124\">2022 </span><span class=\"S2557 S2669 S2\" id=\"ta_124\">Aaa </span><span class=\"S2558 S2669 S2\" id=\"tb_124\">Aa2 </span><span class=\"S2559 S2669 S2\" id=\"tc_124\">Aa3 </span><span class=\"S255A S2669 S2\" id=\"td_124\">A1 </span><span class=\"S255B S2669 S2\" id=\"te_124\">A2 </span><span class=\"S255C S2669 S2\" id=\"tf_124\">A3 </span><span class=\"S255D S2669 S2\" id=\"tg_124\">Baa1 </span><span class=\"S255E S2669 S2\" id=\"th_124\">Baa2 </span><span class=\"S255F S2669 S2\" id=\"ti_124\">Baa3 </span><span class=\"S2560 S2669 S2\" id=\"tj_124\">Ba1 </span><span class=\"S2561 S2669 S2\" id=\"tk_124\">Ba2 </span><span class=\"S2562 S2669 S2\" id=\"tl_124\">Ba3 </span><span class=\"S2563 S2669 S2\" id=\"tm_124\">N/A </span><span class=\"S2564 S2669 S2\" id=\"tn_124\">Total </span><span class=\"S2565 S266A S2\" id=\"to_124\">Government bonds </span><span class=\"S2566 S266A S2\" id=\"tp_124\">346 </span><span class=\"S2567 S266A S2\" id=\"tq_124\">- </span><span class=\"S2568 S266A S2\" id=\"tr_124\">- </span><span class=\"S2569 S266A S2\" id=\"ts_124\">- </span><span class=\"S256A S266A S2\" id=\"tt_124\">197 </span><span class=\"S256B S266A S2\" id=\"tu_124\">- </span><span class=\"S256C S266A S2\" id=\"tv_124\">9,850 </span><span class=\"S256D S266A S2\" id=\"tw_124\">63,992 </span><span class=\"S256E S266A S2\" id=\"tx_124\">843 </span><span class=\"S256F S266A S2\" id=\"ty_124\">- </span><span class=\"S2570 S266A S2\" id=\"tz_124\">3,669 </span><span class=\"S2571 S266A S2\" id=\"t10_124\">- </span><span class=\"S2572 S266A S2\" id=\"t11_124\">- </span><span class=\"S2573 S2669 S2\" id=\"t12_124\">78,897 </span><span class=\"S2574 S266A S2\" id=\"t13_124\">Equity instruments </span><span class=\"S2575 S266A S2\" id=\"t14_124\">and fund units </span><span class=\"S2576 S266A S2\" id=\"t15_124\">- </span><span class=\"S2577 S266A S2\" id=\"t16_124\">- </span><span class=\"S2578 S266A S2\" id=\"t17_124\">20 </span><span class=\"S2579 S266A S2\" id=\"t18_124\">42 </span><span class=\"S257A S266A S2\" id=\"t19_124\">47 </span><span class=\"S257B S266A S2\" id=\"t1a_124\">29 </span><span class=\"S257C S266A S2\" id=\"t1b_124\">15 </span><span class=\"S257D S266A S2\" id=\"t1c_124\">24 </span><span class=\"S257E S266A S2\" id=\"t1d_124\">- </span><span class=\"S257F S266A S2\" id=\"t1e_124\">39 </span><span class=\"S2580 S266A S2\" id=\"t1f_124\">2 </span><span class=\"S2581 S266A S2\" id=\"t1g_124\">4 </span><span class=\"S2582 S266A S2\" id=\"t1h_124\">163 </span><span class=\"S2583 S2669 S2\" id=\"t1i_124\">385 </span><span class=\"S2584 S266A S2\" id=\"t1j_124\">Corporate bonds </span><span class=\"S2585 S266A S2\" id=\"t1k_124\">- </span><span class=\"S2586 S266A S2\" id=\"t1l_124\">- </span><span class=\"S2587 S266A S2\" id=\"t1m_124\">- </span><span class=\"S2588 S266A S2\" id=\"t1n_124\">- </span><span class=\"S2589 S266A S2\" id=\"t1o_124\">- </span><span class=\"S258A S266A S2\" id=\"t1p_124\">- </span><span class=\"S258B S266A S2\" id=\"t1q_124\">- </span><span class=\"S258C S266A S2\" id=\"t1r_124\">- </span><span class=\"S258D S266A S2\" id=\"t1s_124\">116 </span><span class=\"S258E S266A S2\" id=\"t1t_124\">- </span><span class=\"S258F S266A S2\" id=\"t1u_124\">- </span><span class=\"S2590 S266A S2\" id=\"t1v_124\">- </span><span class=\"S2591 S266A S2\" id=\"t1w_124\">3 </span><span class=\"S2592 S2669 S2\" id=\"t1x_124\">119 </span><span class=\"S2593 S266A S2\" id=\"t1y_124\">Discounted Treasury bills </span><span class=\"S2594 S266A S2\" id=\"t1z_124\">- </span><span class=\"S2595 S266A S2\" id=\"t20_124\">- </span><span class=\"S2596 S266A S2\" id=\"t21_124\">- </span><span class=\"S2597 S266A S2\" id=\"t22_124\">- </span><span class=\"S2598 S266A S2\" id=\"t23_124\">- </span><span class=\"S2599 S266A S2\" id=\"t24_124\">- </span><span class=\"S259A S266A S2\" id=\"t25_124\">- </span><span class=\"S259B S266A S2\" id=\"t26_124\">22,865 </span><span class=\"S259C S266A S2\" id=\"t27_124\">- </span><span class=\"S259D S266A S2\" id=\"t28_124\">- </span><span class=\"S259E S266A S2\" id=\"t29_124\">- </span><span class=\"S259F S266A S2\" id=\"t2a_124\">- </span><span class=\"S25A0 S266A S2\" id=\"t2b_124\">31 </span><span class=\"S25A1 S2669 S2\" id=\"t2c_124\">22,896 </span><span class=\"S25A2 S266A S2\" id=\"t2d_124\">Mortgage bonds </span><span class=\"S25A3 S266A S2\" id=\"t2e_124\">- </span><span class=\"S25A4 S266A S2\" id=\"t2f_124\">- </span><span class=\"S25A5 S266A S2\" id=\"t2g_124\">- </span><span class=\"S25A6 S266A S2\" id=\"t2h_124\">- </span><span class=\"S25A7 S266A S2\" id=\"t2i_124\">- </span><span class=\"S25A8 S266A S2\" id=\"t2j_124\">- </span><span class=\"S25A9 S266A S2\" id=\"t2k_124\">- </span><span class=\"S25AA S266A S2\" id=\"t2l_124\">- </span><span class=\"S25AB S266A S2\" id=\"t2m_124\">- </span><span class=\"S25AC S266A S2\" id=\"t2n_124\">- </span><span class=\"S25AD S266A S2\" id=\"t2o_124\">- </span><span class=\"S25AE S266A S2\" id=\"t2p_124\">- </span><span class=\"S25AF S266A S2\" id=\"t2q_124\">72 </span><span class=\"S25B0 S2669 S2\" id=\"t2r_124\">72 </span><span class=\"S25B1 S266A S2\" id=\"t2s_124\">Other interest </span><span class=\"S25B2 S266A S2\" id=\"t2t_124\">bearing securities </span><span class=\"S25B3 S266A S2\" id=\"t2u_124\">- </span><span class=\"S25B4 S266A S2\" id=\"t2v_124\">1 </span><span class=\"S25B5 S266A S2\" id=\"t2w_124\">- </span><span class=\"S25B6 S266A S2\" id=\"t2x_124\">- </span><span class=\"S25B7 S266A S2\" id=\"t2y_124\">- </span><span class=\"S25B8 S266A S2\" id=\"t2z_124\">- </span><span class=\"S25B9 S266A S2\" id=\"t30_124\">- </span><span class=\"S25BA S266A S2\" id=\"t31_124\">1,627 </span><span class=\"S25BB S266A S2\" id=\"t32_124\">- </span><span class=\"S25BC S266A S2\" id=\"t33_124\">- </span><span class=\"S25BD S266A S2\" id=\"t34_124\">- </span><span class=\"S25BE S266A S2\" id=\"t35_124\">- </span><span class=\"S25BF S266A S2\" id=\"t36_124\">- </span><span class=\"S25C0 S2669 S2\" id=\"t37_124\">1,628 </span><span class=\"S25C1 S266A S2\" id=\"t38_124\">Other non-interest </span><span class=\"S25C2 S266A S2\" id=\"t39_124\">bearing securities </span><span class=\"S25C3 S266A S2\" id=\"t3a_124\">479 </span><span class=\"S25C4 S266A S2\" id=\"t3b_124\">- </span><span class=\"S25C5 S266A S2\" id=\"t3c_124\">- </span><span class=\"S25C6 S266A S2\" id=\"t3d_124\">- </span><span class=\"S25C7 S266A S2\" id=\"t3e_124\">- </span><span class=\"S25C8 S266A S2\" id=\"t3f_124\">- </span><span class=\"S25C9 S266A S2\" id=\"t3g_124\">- </span><span class=\"S25CA S266A S2\" id=\"t3h_124\">- </span><span class=\"S25CB S266A S2\" id=\"t3i_124\">- </span><span class=\"S25CC S266A S2\" id=\"t3j_124\">- </span><span class=\"S25CD S266A S2\" id=\"t3k_124\">- </span><span class=\"S25CE S266A S2\" id=\"t3l_124\">- </span><span class=\"S25CF S266A S2\" id=\"t3m_124\">274 </span><span class=\"S25D0 S2669 S2\" id=\"t3n_124\">753 </span><span class=\"S25D1 S2669 S2\" id=\"t3o_124\">Total </span><span class=\"S25D2 S2669 S2\" id=\"t3p_124\">825 </span><span class=\"S25D3 S2669 S2\" id=\"t3q_124\">1 </span><span class=\"S25D4 S2669 S2\" id=\"t3r_124\">20 </span><span class=\"S25D5 S2669 S2\" id=\"t3s_124\">42 </span><span class=\"S25D6 S2669 S2\" id=\"t3t_124\">244 </span><span class=\"S25D7 S2669 S2\" id=\"t3u_124\">29 </span><span class=\"S25D8 S2669 S2\" id=\"t3v_124\">9,865 </span><span class=\"S25D9 S2669 S2\" id=\"t3w_124\">88,508 </span><span class=\"S25DA S2669 S2\" id=\"t3x_124\">959 </span><span class=\"S25DB S2669 S2\" id=\"t3y_124\">39 </span><span class=\"S25DC S2669 S2\" id=\"t3z_124\">3,671 </span><span class=\"S25DD S2669 S2\" id=\"t40_124\">4 </span><span class=\"S25DE S2669 S2\" id=\"t41_124\">543 </span><span class=\"S25DF S2669 S2\" id=\"t42_124\">104,750 </span><span class=\"S25E0 S2669 S2\" id=\"t43_124\">2021 </span><span class=\"S25E1 S2669 S2\" id=\"t44_124\">Aaa </span><span class=\"S25E2 S2669 S2\" id=\"t45_124\">Aa3 </span><span class=\"S25E3 S2669 S2\" id=\"t46_124\">A1 </span><span class=\"S25E4 S2669 S2\" id=\"t47_124\">A2 </span><span class=\"S25E5 S2669 S2\" id=\"t48_124\">A3 </span><span class=\"S25E6 S2669 S2\" id=\"t49_124\">Baa1 </span><span class=\"S25E7 S2669 S2\" id=\"t4a_124\">Baa2 </span><span class=\"S25E8 S2669 S2\" id=\"t4b_124\">Baa3 </span><span class=\"S25E9 S2669 S2\" id=\"t4c_124\">Ba1 </span><span class=\"S25EA S2669 S2\" id=\"t4d_124\">Ba2 </span><span class=\"S25EB S2669 S2\" id=\"t4e_124\">B1 </span><span class=\"S25EC S2669 S2\" id=\"t4f_124\">B3 </span><span class=\"S25ED S2669 S2\" id=\"t4g_124\">N/A </span><span class=\"S25EE S2669 S2\" id=\"t4h_124\">Total </span><span class=\"S25EF S266A S2\" id=\"t4i_124\">Government bonds </span><span class=\"S25F0 S266A S2\" id=\"t4j_124\">- </span><span class=\"S25F1 S266A S2\" id=\"t4k_124\">- </span><span class=\"S25F2 S266A S2\" id=\"t4l_124\">- </span><span class=\"S25F3 S266A S2\" id=\"t4m_124\">16 </span><span class=\"S25F4 S266A S2\" id=\"t4n_124\">- </span><span class=\"S25F5 S266A S2\" id=\"t4o_124\">18,747 </span><span class=\"S25F6 S266A S2\" id=\"t4p_124\">26,024 </span><span class=\"S25F7 S266A S2\" id=\"t4q_124\">11,282 </span><span class=\"S25F8 S266A S2\" id=\"t4r_124\">10,156 </span><span class=\"S25F9 S266A S2\" id=\"t4s_124\">31,306 </span><span class=\"S25FA S266A S2\" id=\"t4t_124\">- </span><span class=\"S25FB S266A S2\" id=\"t4u_124\">- </span><span class=\"S25FC S266A S2\" id=\"t4v_124\">- </span><span class=\"S25FD S2669 S2\" id=\"t4w_124\">97,531 </span><span class=\"S25FE S266A S2\" id=\"t4x_124\">Equity instruments </span><span class=\"S25FF S266A S2\" id=\"t4y_124\">and fund units </span><span class=\"S2600 S266A S2\" id=\"t4z_124\">569 </span><span class=\"S2601 S266A S2\" id=\"t50_124\">19 </span><span class=\"S2602 S266A S2\" id=\"t51_124\">49 </span><span class=\"S2603 S266A S2\" id=\"t52_124\">59 </span><span class=\"S2604 S266A S2\" id=\"t53_124\">35 </span><span class=\"S2605 S266A S2\" id=\"t54_124\">12 </span><span class=\"S2606 S266A S2\" id=\"t55_124\">24 </span><span class=\"S2607 S266A S2\" id=\"t56_124\">83 </span><span class=\"S2608 S266A S2\" id=\"t57_124\">- </span><span class=\"S2609 S266A S2\" id=\"t58_124\">2 </span><span class=\"S260A S266A S2\" id=\"t59_124\">6 </span><span class=\"S260B S266A S2\" id=\"t5a_124\">- </span><span class=\"S260C S266A S2\" id=\"t5b_124\">315 </span><span class=\"S260D S2669 S2\" id=\"t5c_124\">1,173 </span><span class=\"S260E S266A S2\" id=\"t5d_124\">Corporate bonds </span><span class=\"S260F S266A S2\" id=\"t5e_124\">- </span><span class=\"S2610 S266A S2\" id=\"t5f_124\">- </span><span class=\"S2611 S266A S2\" id=\"t5g_124\">- </span><span class=\"S2612 S266A S2\" id=\"t5h_124\">- </span><span class=\"S2613 S266A S2\" id=\"t5i_124\">485 </span><span class=\"S2614 S266A S2\" id=\"t5j_124\">- </span><span class=\"S2615 S266A S2\" id=\"t5k_124\">- </span><span class=\"S2616 S266A S2\" id=\"t5l_124\">97 </span><span class=\"S2617 S266A S2\" id=\"t5m_124\">- </span><span class=\"S2618 S266A S2\" id=\"t5n_124\">- </span><span class=\"S2619 S266A S2\" id=\"t5o_124\">- </span><span class=\"S261A S266A S2\" id=\"t5p_124\">- </span><span class=\"S261B S266A S2\" id=\"t5q_124\">158 </span><span class=\"S261C S2669 S2\" id=\"t5r_124\">740 </span><span class=\"S261D S266A S2\" id=\"t5s_124\">Discounted Treasury bills </span><span class=\"S261E S266A S2\" id=\"t5t_124\">- </span><span class=\"S261F S266A S2\" id=\"t5u_124\">- </span><span class=\"S2620 S266A S2\" id=\"t5v_124\">- </span><span class=\"S2621 S266A S2\" id=\"t5w_124\">- </span><span class=\"S2622 S266A S2\" id=\"t5x_124\">- </span><span class=\"S2623 S266A S2\" id=\"t5y_124\">- </span><span class=\"S2624 S266A S2\" id=\"t5z_124\">869 </span><span class=\"S2625 S266A S2\" id=\"t60_124\">- </span><span class=\"S2626 S266A S2\" id=\"t61_124\">- </span><span class=\"S2627 S266A S2\" id=\"t62_124\">- </span><span class=\"S2628 S266A S2\" id=\"t63_124\">- </span><span class=\"S2629 S266A S2\" id=\"t64_124\">54 </span><span class=\"S262A S266A S2\" id=\"t65_124\">- </span><span class=\"S262B S2669 S2\" id=\"t66_124\">923 </span><span class=\"S262C S266A S2\" id=\"t67_124\">Mortgage bonds </span><span class=\"S262D S266A S2\" id=\"t68_124\">- </span><span class=\"S262E S266A S2\" id=\"t69_124\">- </span><span class=\"S262F S266A S2\" id=\"t6a_124\">- </span><span class=\"S2630 S266A S2\" id=\"t6b_124\">- </span><span class=\"S2631 S266A S2\" id=\"t6c_124\">- </span><span class=\"S2632 S266A S2\" id=\"t6d_124\">- </span><span class=\"S2633 S266A S2\" id=\"t6e_124\">- </span><span class=\"S2634 S266A S2\" id=\"t6f_124\">- </span><span class=\"S2635 S266A S2\" id=\"t6g_124\">- </span><span class=\"S2636 S266A S2\" id=\"t6h_124\">- </span><span class=\"S2637 S266A S2\" id=\"t6i_124\">- </span><span class=\"S2638 S266A S2\" id=\"t6j_124\">101 </span><span class=\"S2639 S2669 S2\" id=\"t6k_124\">101 </span><span class=\"S263A S266A S2\" id=\"t6l_124\">Other interest </span><span class=\"S263B S266A S2\" id=\"t6m_124\">bearing securities </span><span class=\"S263C S266A S2\" id=\"t6n_124\">- </span><span class=\"S263D S266A S2\" id=\"t6o_124\">- </span><span class=\"S263E S266A S2\" id=\"t6p_124\">- </span><span class=\"S263F S266A S2\" id=\"t6q_124\">- </span><span class=\"S2640 S266A S2\" id=\"t6r_124\">- </span><span class=\"S2641 S266A S2\" id=\"t6s_124\">- </span><span class=\"S2642 S266A S2\" id=\"t6t_124\">1,347 </span><span class=\"S2643 S266A S2\" id=\"t6u_124\">- </span><span class=\"S2644 S266A S2\" id=\"t6v_124\">- </span><span class=\"S2645 S266A S2\" id=\"t6w_124\">- </span><span class=\"S2646 S266A S2\" id=\"t6x_124\">- </span><span class=\"S2647 S266A S2\" id=\"t6y_124\">- </span><span class=\"S2648 S266A S2\" id=\"t6z_124\">- </span><span class=\"S2649 S2669 S2\" id=\"t70_124\">1,347 </span><span class=\"S264A S266A S2\" id=\"t71_124\">Other non-interest </span><span class=\"S264B S266A S2\" id=\"t72_124\">bearing securities </span><span class=\"S264C S266A S2\" id=\"t73_124\">561 </span><span class=\"S264D S266A S2\" id=\"t74_124\">- </span><span class=\"S264E S266A S2\" id=\"t75_124\">- </span><span class=\"S264F S266A S2\" id=\"t76_124\">- </span><span class=\"S2650 S266A S2\" id=\"t77_124\">- </span><span class=\"S2651 S266A S2\" id=\"t78_124\">- </span><span class=\"S2652 S266A S2\" id=\"t79_124\">- </span><span class=\"S2653 S266A S2\" id=\"t7a_124\">- </span><span class=\"S2654 S266A S2\" id=\"t7b_124\">- </span><span class=\"S2655 S266A S2\" id=\"t7c_124\">- </span><span class=\"S2656 S266A S2\" id=\"t7d_124\">- </span><span class=\"S2657 S266A S2\" id=\"t7e_124\">- </span><span class=\"S2658 S266A S2\" id=\"t7f_124\">1,134 </span><span class=\"S2659 S2669 S2\" id=\"t7g_124\">1,695 </span><span class=\"S265A S2669 S2\" id=\"t7h_124\">Total </span><span class=\"S265B S2669 S2\" id=\"t7i_124\">1,130 </span><span class=\"S265C S2669 S2\" id=\"t7j_124\">19 </span><span class=\"S265D S2669 S2\" id=\"t7k_124\">49 </span><span class=\"S265E S2669 S2\" id=\"t7l_124\">75 </span><span class=\"S265F S2669 S2\" id=\"t7m_124\">520 </span><span class=\"S2660 S2669 S2\" id=\"t7n_124\">18,759 </span><span class=\"S2661 S2669 S2\" id=\"t7o_124\">28,264 </span><span class=\"S2662 S2669 S2\" id=\"t7p_124\">11,462 </span><span class=\"S2663 S2669 S2\" id=\"t7q_124\">10,156 </span><span class=\"S2664 S2669 S2\" id=\"t7r_124\">31,308 </span><span class=\"S2665 S2669 S2\" id=\"t7s_124\">6 </span><span class=\"S2666 S2669 S2\" id=\"t7t_124\">54 </span><span class=\"S2667 S2669 S2\" id=\"t7u_124\">1,708 </span><span class=\"S2668 S2669 S2\" id=\"t7v_124\">103,510 </span><span class=\"S1E99 SB S2\" id=\"t5_125\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_125\">37.1.8. </span><span class=\"S266B S603 S2\" id=\"t7_125\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S266C SB S2\" id=\"t8_125\">Non-trading securities mandatorily at fair value through profit or loss </span><span class=\"S266D SB S2\" id=\"t9_125\">2022 </span><span class=\"S266E SB S2\" id=\"ta_125\">Aaa </span><span class=\"S266F SB S2\" id=\"tb_125\">Aa3 </span><span class=\"S2670 SB S2\" id=\"tc_125\">A3 </span><span class=\"S2671 SB S2\" id=\"td_125\">Baa2 </span><span class=\"S2672 SB S2\" id=\"te_125\">Baa3 </span><span class=\"S2673 SB S2\" id=\"tf_125\">N/A </span><span class=\"S2674 SB S2\" id=\"tg_125\">Total </span><span class=\"S2675 SA7 S2\" id=\"th_125\">Non-trading equity instruments mandatorily at </span><span class=\"S2676 SA7 S2\" id=\"ti_125\">fair value through profit or loss </span><span class=\"S2677 SA7 S2\" id=\"tj_125\">- </span><span class=\"S2678 SA7 S2\" id=\"tk_125\">- </span><span class=\"S2679 SA7 S2\" id=\"tl_125\">- </span><span class=\"S267A SA7 S2\" id=\"tm_125\">8,152 </span><span class=\"S267B SA7 S2\" id=\"tn_125\">- </span><span class=\"S267C SA7 S2\" id=\"to_125\">41,594 </span><span class=\"S267D SB S2\" id=\"tp_125\">49,746 </span><span class=\"S267E SA7 S2\" id=\"tq_125\">Non-trading debt instruments mandatorily at </span><span class=\"S267F SA7 S2\" id=\"tr_125\">fair value through profit or loss </span><span class=\"S2680 SA7 S2\" id=\"ts_125\">949 </span><span class=\"S2681 SA7 S2\" id=\"tt_125\">797 </span><span class=\"S2682 SA7 S2\" id=\"tu_125\">6 </span><span class=\"S2683 SA7 S2\" id=\"tv_125\">1,182 </span><span class=\"S2684 SA7 S2\" id=\"tw_125\">1,006 </span><span class=\"S2685 SA7 S2\" id=\"tx_125\">1,469 </span><span class=\"S2686 SB S2\" id=\"ty_125\">5,409 </span><span class=\"S2687 SB S2\" id=\"tz_125\">Total </span><span class=\"S2688 SB S2\" id=\"t10_125\">949 </span><span class=\"S2689 SB S2\" id=\"t11_125\">797 </span><span class=\"S268A SB S2\" id=\"t12_125\">6 </span><span class=\"S268B SB S2\" id=\"t13_125\">9,334 </span><span class=\"S268C SB S2\" id=\"t14_125\">1,006 </span><span class=\"S268D SB S2\" id=\"t15_125\">43,063 </span><span class=\"S268E SB S2\" id=\"t16_125\">55,155 </span><span class=\"S268F SB S2\" id=\"t17_125\">2021 </span><span class=\"S2690 SB S2\" id=\"t18_125\">Aa3 </span><span class=\"S2691 SB S2\" id=\"t19_125\">Baa3 </span><span class=\"S2692 SB S2\" id=\"t1a_125\">Ba1 </span><span class=\"S2693 SB S2\" id=\"t1b_125\">N/A </span><span class=\"S2694 SB S2\" id=\"t1c_125\">Total </span><span class=\"S2695 SA7 S2\" id=\"t1d_125\">Non-trading equity instruments mandatorily at </span><span class=\"S2696 SA7 S2\" id=\"t1e_125\">fair value through profit or loss </span><span class=\"S2697 SA7 S2\" id=\"t1f_125\">- </span><span class=\"S2698 SA7 S2\" id=\"t1g_125\">- </span><span class=\"S2699 SA7 S2\" id=\"t1h_125\">7,811 </span><span class=\"S269A SA7 S2\" id=\"t1i_125\">37,083 </span><span class=\"S269B SB S2\" id=\"t1j_125\">44,894 </span><span class=\"S1CA5 SA7 S2\" id=\"t1k_125\">Non-trading debt instruments mandatorily at </span><span class=\"S269C SA7 S2\" id=\"t1l_125\">fair value through profit or loss </span><span class=\"S269D SA7 S2\" id=\"t1m_125\">3,498 </span><span class=\"S269E SA7 S2\" id=\"t1n_125\">1,043 </span><span class=\"S269F SA7 S2\" id=\"t1o_125\">56 </span><span class=\"S26A0 SA7 S2\" id=\"t1p_125\">3,912 </span><span class=\"S26A1 SB S2\" id=\"t1q_125\">8,509 </span><span class=\"S26A2 SB S2\" id=\"t1r_125\">Total </span><span class=\"S26A3 SB S2\" id=\"t1s_125\">3,498 </span><span class=\"S26A4 SB S2\" id=\"t1t_125\">1,043 </span><span class=\"S26A5 SB S2\" id=\"t1u_125\">7,867 </span><span class=\"S26A6 SB S2\" id=\"t1v_125\">40,995 </span><span class=\"S26A7 SB S2\" id=\"t1w_125\">53,403 </span><span class=\"S1E99 SB S2\" id=\"t5_126\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_126\">37.1.8. </span><span class=\"S266B S603 S2\" id=\"t7_126\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S1E9B SB S2\" id=\"t8_126\">Securities at fair value through other comprehensive income </span><span class=\"S26A8 S2669 S2\" id=\"t9_126\">2022 </span><span class=\"S26A9 S2669 S2\" id=\"ta_126\">Aaa </span><span class=\"S26AA S2669 S2\" id=\"tb_126\">Aa2 </span><span class=\"S26AB S2669 S2\" id=\"tc_126\">Aa3 </span><span class=\"S26AC S2669 S2\" id=\"td_126\">A1 </span><span class=\"S26AD S2669 S2\" id=\"te_126\">A2 </span><span class=\"S26AE S2669 S2\" id=\"tf_126\">A3 </span><span class=\"S26AF S2669 S2\" id=\"tg_126\">Baa1 </span><span class=\"S26B0 S2669 S2\" id=\"th_126\">Baa2 </span><span class=\"S26B1 S2669 S2\" id=\"ti_126\">Baa3 </span><span class=\"S26B2 S2669 S2\" id=\"tj_126\">Ba1 </span><span class=\"S26B3 S2669 S2\" id=\"tk_126\">Ba2 </span><span class=\"S26B4 S2669 S2\" id=\"tl_126\">B1 </span><span class=\"S26B5 S2669 S2\" id=\"tm_126\">Caa1 </span><span class=\"S26B6 S2669 S2\" id=\"tn_126\">Caa3 </span><span class=\"S26B7 S2669 S2\" id=\"to_126\">Not </span><span class=\"S26B8 S2669 S2\" id=\"tp_126\">rated </span><span class=\"S26B9 S2669 S2\" id=\"tq_126\">N/A </span><span class=\"S26BA S2669 S2\" id=\"tr_126\">Total </span><span class=\"S2565 S266A S2\" id=\"ts_126\">Government bonds </span><span class=\"S26BB S266A S2\" id=\"tt_126\">19,775 </span><span class=\"S26BC S266A S2\" id=\"tu_126\">6,773 </span><span class=\"S26BD S266A S2\" id=\"tv_126\">- </span><span class=\"S26BE S266A S2\" id=\"tw_126\">17,544 </span><span class=\"S26BF S266A S2\" id=\"tx_126\">24,234 </span><span class=\"S26C0 S266A S2\" id=\"ty_126\">80,968 </span><span class=\"S26C1 S266A S2\" id=\"tz_126\">138,811 </span><span class=\"S26C2 S266A S2\" id=\"t10_126\">534,476 </span><span class=\"S26C3 S266A S2\" id=\"t11_126\">120,053 </span><span class=\"S26C4 S266A S2\" id=\"t12_126\">10,198 </span><span class=\"S26C5 S266A S2\" id=\"t13_126\">157,469 </span><span class=\"S26C6 S266A S2\" id=\"t14_126\">105,049 </span><span class=\"S26C7 S266A S2\" id=\"t15_126\">145 </span><span class=\"S26C8 S266A S2\" id=\"t16_126\">26,597 </span><span class=\"S26C9 S266A S2\" id=\"t17_126\">31,672 </span><span class=\"S26CA S266A S2\" id=\"t18_126\">27,415 </span><span class=\"S26CB S2669 S2\" id=\"t19_126\">1,301,179 </span><span class=\"S26CC S266A S2\" id=\"t1a_126\">Corporate bonds </span><span class=\"S26CD S266A S2\" id=\"t1b_126\">- </span><span class=\"S26CE S266A S2\" id=\"t1c_126\">- </span><span class=\"S26CF S266A S2\" id=\"t1d_126\">- </span><span class=\"S26D0 S266A S2\" id=\"t1e_126\">- </span><span class=\"S26D1 S266A S2\" id=\"t1f_126\">1,691 </span><span class=\"S26D2 S266A S2\" id=\"t1g_126\">- </span><span class=\"S26D3 S266A S2\" id=\"t1h_126\">- </span><span class=\"S26D4 S266A S2\" id=\"t1i_126\">39,309 </span><span class=\"S26D5 S266A S2\" id=\"t1j_126\">3,820 </span><span class=\"S26D6 S266A S2\" id=\"t1k_126\">13,721 </span><span class=\"S26D7 S266A S2\" id=\"t1l_126\">9,262 </span><span class=\"S26D8 S266A S2\" id=\"t1m_126\">- </span><span class=\"S26D9 S266A S2\" id=\"t1n_126\">- </span><span class=\"S26DA S266A S2\" id=\"t1o_126\">14,848 </span><span class=\"S26DB S266A S2\" id=\"t1p_126\">- </span><span class=\"S26DC S2669 S2\" id=\"t1q_126\">82,651 </span><span class=\"S26DD S266A S2\" id=\"t1r_126\">Mortgage bonds </span><span class=\"S26DE S266A S2\" id=\"t1s_126\">- </span><span class=\"S26DF S266A S2\" id=\"t1t_126\">- </span><span class=\"S26E0 S266A S2\" id=\"t1u_126\">- </span><span class=\"S26E1 S266A S2\" id=\"t1v_126\">42,407 </span><span class=\"S26E2 S266A S2\" id=\"t1w_126\">- </span><span class=\"S26E3 S266A S2\" id=\"t1x_126\">- </span><span class=\"S26E4 S266A S2\" id=\"t1y_126\">- </span><span class=\"S26E5 S266A S2\" id=\"t1z_126\">- </span><span class=\"S26E6 S266A S2\" id=\"t20_126\">- </span><span class=\"S26E7 S266A S2\" id=\"t21_126\">- </span><span class=\"S26E8 S266A S2\" id=\"t22_126\">- </span><span class=\"S26E9 S266A S2\" id=\"t23_126\">- </span><span class=\"S26EA S266A S2\" id=\"t24_126\">- </span><span class=\"S26EB S266A S2\" id=\"t25_126\">- </span><span class=\"S26EC S266A S2\" id=\"t26_126\">12,146 </span><span class=\"S26ED S266A S2\" id=\"t27_126\">- </span><span class=\"S26EE S2669 S2\" id=\"t28_126\">54,553 </span><span class=\"S26EF S266A S2\" id=\"t29_126\">National Bank of </span><span class=\"S26F0 S266A S2\" id=\"t2a_126\">Hungary bonds </span><span class=\"S26F1 S266A S2\" id=\"t2b_126\">- </span><span class=\"S26F2 S266A S2\" id=\"t2c_126\">- </span><span class=\"S26F3 S266A S2\" id=\"t2d_126\">- </span><span class=\"S26F4 S266A S2\" id=\"t2e_126\">- </span><span class=\"S26F5 S266A S2\" id=\"t2f_126\">- </span><span class=\"S26F6 S266A S2\" id=\"t2g_126\">- </span><span class=\"S26F7 S266A S2\" id=\"t2h_126\">- </span><span class=\"S26F8 S266A S2\" id=\"t2i_126\">74,867 </span><span class=\"S259A S266A S2\" id=\"t2j_126\">- </span><span class=\"S26F9 S266A S2\" id=\"t2k_126\">- </span><span class=\"S26FA S266A S2\" id=\"t2l_126\">- </span><span class=\"S26FB S266A S2\" id=\"t2m_126\">- </span><span class=\"S26FC S266A S2\" id=\"t2n_126\">- </span><span class=\"S26FD S266A S2\" id=\"t2o_126\">- </span><span class=\"S26FE S266A S2\" id=\"t2p_126\">- </span><span class=\"S26FF S2669 S2\" id=\"t2q_126\">74,867 </span><span class=\"S2700 S266A S2\" id=\"t2r_126\">Interest bearing </span><span class=\"S2701 S266A S2\" id=\"t2s_126\">treasury bills </span><span class=\"S2702 S266A S2\" id=\"t2t_126\">- </span><span class=\"S2703 S266A S2\" id=\"t2u_126\">- </span><span class=\"S2704 S266A S2\" id=\"t2v_126\">- </span><span class=\"S2705 S266A S2\" id=\"t2w_126\">- </span><span class=\"S2706 S266A S2\" id=\"t2x_126\">- </span><span class=\"S2707 S266A S2\" id=\"t2y_126\">- </span><span class=\"S2708 S266A S2\" id=\"t2z_126\">- </span><span class=\"S2709 S266A S2\" id=\"t30_126\">182,726 </span><span class=\"S270A S266A S2\" id=\"t31_126\">- </span><span class=\"S270B S266A S2\" id=\"t32_126\">- </span><span class=\"S270C S266A S2\" id=\"t33_126\">- </span><span class=\"S270D S266A S2\" id=\"t34_126\">- </span><span class=\"S270E S266A S2\" id=\"t35_126\">- </span><span class=\"S270F S266A S2\" id=\"t36_126\">- </span><span class=\"S2710 S266A S2\" id=\"t37_126\">- </span><span class=\"S2711 S266A S2\" id=\"t38_126\">- </span><span class=\"S2712 S2669 S2\" id=\"t39_126\">182,726 </span><span class=\"S2713 S266A S2\" id=\"t3a_126\">Other securities </span><span class=\"S2714 S266A S2\" id=\"t3b_126\">- </span><span class=\"S2715 S266A S2\" id=\"t3c_126\">- </span><span class=\"S2716 S266A S2\" id=\"t3d_126\">- </span><span class=\"S2717 S266A S2\" id=\"t3e_126\">- </span><span class=\"S2718 S266A S2\" id=\"t3f_126\">- </span><span class=\"S2719 S266A S2\" id=\"t3g_126\">- </span><span class=\"S271A S266A S2\" id=\"t3h_126\">- </span><span class=\"S271B S266A S2\" id=\"t3i_126\">- </span><span class=\"S25B9 S266A S2\" id=\"t3j_126\">- </span><span class=\"S271C S266A S2\" id=\"t3k_126\">- </span><span class=\"S271D S266A S2\" id=\"t3l_126\">- </span><span class=\"S271E S266A S2\" id=\"t3m_126\">- </span><span class=\"S271F S266A S2\" id=\"t3n_126\">- </span><span class=\"S2720 S266A S2\" id=\"t3o_126\">- </span><span class=\"S2721 S266A S2\" id=\"t3p_126\">3,470 </span><span class=\"S2722 S266A S2\" id=\"t3q_126\">- </span><span class=\"S2723 S2669 S2\" id=\"t3r_126\">3,470 </span><span class=\"S2724 S266A S2\" id=\"t3s_126\">Non-trading </span><span class=\"S2725 S266A S2\" id=\"t3t_126\">equity instruments </span><span class=\"S2726 S266A S2\" id=\"t3u_126\">5,767 </span><span class=\"S2727 S266A S2\" id=\"t3v_126\">- </span><span class=\"S2728 S266A S2\" id=\"t3w_126\">3,036 </span><span class=\"S2729 S266A S2\" id=\"t3x_126\">388 </span><span class=\"S272A S266A S2\" id=\"t3y_126\">- </span><span class=\"S272B S266A S2\" id=\"t3z_126\">- </span><span class=\"S272C S266A S2\" id=\"t40_126\">- </span><span class=\"S272D S266A S2\" id=\"t41_126\">323 </span><span class=\"S272E S266A S2\" id=\"t42_126\">30 </span><span class=\"S272F S266A S2\" id=\"t43_126\">- </span><span class=\"S2730 S266A S2\" id=\"t44_126\">- </span><span class=\"S2731 S266A S2\" id=\"t45_126\">- </span><span class=\"S2732 S266A S2\" id=\"t46_126\">- </span><span class=\"S2733 S266A S2\" id=\"t47_126\">- </span><span class=\"S2734 S266A S2\" id=\"t48_126\">30,613 </span><span class=\"S2735 S266A S2\" id=\"t49_126\">- </span><span class=\"S2736 S2669 S2\" id=\"t4a_126\">40,157 </span><span class=\"S25D1 S2669 S2\" id=\"t4b_126\">Total </span><span class=\"S2737 S2669 S2\" id=\"t4c_126\">25,542 </span><span class=\"S2738 S2669 S2\" id=\"t4d_126\">6,773 </span><span class=\"S2739 S2669 S2\" id=\"t4e_126\">3,036 </span><span class=\"S273A S2669 S2\" id=\"t4f_126\">60,339 </span><span class=\"S273B S2669 S2\" id=\"t4g_126\">24,234 </span><span class=\"S273C S2669 S2\" id=\"t4h_126\">82,659 </span><span class=\"S273D S2669 S2\" id=\"t4i_126\">138,811 </span><span class=\"S273E S2669 S2\" id=\"t4j_126\">792,392 </span><span class=\"S273F S2669 S2\" id=\"t4k_126\">159,392 </span><span class=\"S2740 S2669 S2\" id=\"t4l_126\">14,018 </span><span class=\"S2741 S2669 S2\" id=\"t4m_126\">171,190 </span><span class=\"S2742 S2669 S2\" id=\"t4n_126\">114,311 </span><span class=\"S2743 S2669 S2\" id=\"t4o_126\">145 </span><span class=\"S2744 S2669 S2\" id=\"t4p_126\">26,597 </span><span class=\"S2745 S2669 S2\" id=\"t4q_126\">92,749 </span><span class=\"S2746 S2669 S2\" id=\"t4r_126\">27,415 </span><span class=\"S2747 S2669 S2\" id=\"t4s_126\">1,739,603 </span><span class=\"S2748 S2669 S2\" id=\"t4t_126\">2021 </span><span class=\"S2749 S2669 S2\" id=\"t4u_126\">Aaa </span><span class=\"S274A S2669 S2\" id=\"t4v_126\">Aa2 </span><span class=\"S274B S2669 S2\" id=\"t4w_126\">Aa3 </span><span class=\"S274C S2669 S2\" id=\"t4x_126\">A1 </span><span class=\"S274D S2669 S2\" id=\"t4y_126\">A2 </span><span class=\"S274E S2669 S2\" id=\"t4z_126\">A3 </span><span class=\"S274F S2669 S2\" id=\"t50_126\">Baa1 </span><span class=\"S2750 S2669 S2\" id=\"t51_126\">Baa2 </span><span class=\"S2751 S2669 S2\" id=\"t52_126\">Baa3 </span><span class=\"S2752 S2669 S2\" id=\"t53_126\">Ba1 </span><span class=\"S2753 S2669 S2\" id=\"t54_126\">Ba2 </span><span class=\"S2754 S2669 S2\" id=\"t55_126\">Ba3 </span><span class=\"S2755 S2669 S2\" id=\"t56_126\">B1 </span><span class=\"S2756 S2669 S2\" id=\"t57_126\">B3 </span><span class=\"S2757 S2669 S2\" id=\"t58_126\">Caa1 </span><span class=\"S2758 S2669 S2\" id=\"t59_126\">N/A </span><span class=\"S2759 S2669 S2\" id=\"t5a_126\">Total </span><span class=\"S25EF S266A S2\" id=\"t5b_126\">Government bonds </span><span class=\"S275A S266A S2\" id=\"t5c_126\">21,728 </span><span class=\"S275B S266A S2\" id=\"t5d_126\">7,849 </span><span class=\"S275C S266A S2\" id=\"t5e_126\">- </span><span class=\"S275D S266A S2\" id=\"t5f_126\">17,808 </span><span class=\"S275E S266A S2\" id=\"t5g_126\">28,492 </span><span class=\"S275F S266A S2\" id=\"t5h_126\">99,425 </span><span class=\"S2760 S266A S2\" id=\"t5i_126\">203,172 </span><span class=\"S2761 S266A S2\" id=\"t5j_126\">495,231 </span><span class=\"S2762 S266A S2\" id=\"t5k_126\">372,198 </span><span class=\"S2763 S266A S2\" id=\"t5l_126\">188,395 </span><span class=\"S2764 S266A S2\" id=\"t5m_126\">162,477 </span><span class=\"S2765 S266A S2\" id=\"t5n_126\">- </span><span class=\"S2766 S266A S2\" id=\"t5o_126\">76,732 </span><span class=\"S2767 S266A S2\" id=\"t5p_126\">91,487 </span><span class=\"S2768 S266A S2\" id=\"t5q_126\">178 </span><span class=\"S2769 S266A S2\" id=\"t5r_126\">- </span><span class=\"S276A S2669 S2\" id=\"t5s_126\">1,765,172 </span><span class=\"S276B S266A S2\" id=\"t5t_126\">Corporate bonds </span><span class=\"S276C S266A S2\" id=\"t5u_126\">- </span><span class=\"S276D S266A S2\" id=\"t5v_126\">- </span><span class=\"S276E S266A S2\" id=\"t5w_126\">- </span><span class=\"S276F S266A S2\" id=\"t5x_126\">- </span><span class=\"S2770 S266A S2\" id=\"t5y_126\">- </span><span class=\"S2771 S266A S2\" id=\"t5z_126\">2,896 </span><span class=\"S2772 S266A S2\" id=\"t60_126\">- </span><span class=\"S2773 S266A S2\" id=\"t61_126\">6,152 </span><span class=\"S2774 S266A S2\" id=\"t62_126\">44,606 </span><span class=\"S2775 S266A S2\" id=\"t63_126\">4,144 </span><span class=\"S2776 S266A S2\" id=\"t64_126\">12,630 </span><span class=\"S2777 S266A S2\" id=\"t65_126\">- </span><span class=\"S2778 S266A S2\" id=\"t66_126\">- </span><span class=\"S2779 S266A S2\" id=\"t67_126\">- </span><span class=\"S277A S266A S2\" id=\"t68_126\">- </span><span class=\"S277B S266A S2\" id=\"t69_126\">18,091 </span><span class=\"S277C S2669 S2\" id=\"t6a_126\">88,519 </span><span class=\"S277D S266A S2\" id=\"t6b_126\">Mortgage bonds </span><span class=\"S277E S266A S2\" id=\"t6c_126\">- </span><span class=\"S277F S266A S2\" id=\"t6d_126\">- </span><span class=\"S2780 S266A S2\" id=\"t6e_126\">- </span><span class=\"S2781 S266A S2\" id=\"t6f_126\">47,568 </span><span class=\"S2782 S266A S2\" id=\"t6g_126\">- </span><span class=\"S2783 S266A S2\" id=\"t6h_126\">- </span><span class=\"S2784 S266A S2\" id=\"t6i_126\">- </span><span class=\"S2785 S266A S2\" id=\"t6j_126\">- </span><span class=\"S2786 S266A S2\" id=\"t6k_126\">- </span><span class=\"S2787 S266A S2\" id=\"t6l_126\">- </span><span class=\"S2788 S266A S2\" id=\"t6m_126\">- </span><span class=\"S2789 S266A S2\" id=\"t6n_126\">- </span><span class=\"S278A S266A S2\" id=\"t6o_126\">- </span><span class=\"S278B S266A S2\" id=\"t6p_126\">- </span><span class=\"S278C S266A S2\" id=\"t6q_126\">- </span><span class=\"S278D S266A S2\" id=\"t6r_126\">15,504 </span><span class=\"S278E S2669 S2\" id=\"t6s_126\">63,072 </span><span class=\"S278F S266A S2\" id=\"t6t_126\">Discounted </span><span class=\"S2790 S266A S2\" id=\"t6u_126\">treasury bills </span><span class=\"S2791 S266A S2\" id=\"t6v_126\">- </span><span class=\"S2792 S266A S2\" id=\"t6w_126\">- </span><span class=\"S2793 S266A S2\" id=\"t6x_126\">- </span><span class=\"S2794 S266A S2\" id=\"t6y_126\">- </span><span class=\"S2621 S266A S2\" id=\"t6z_126\">- </span><span class=\"S2622 S266A S2\" id=\"t70_126\">- </span><span class=\"S2795 S266A S2\" id=\"t71_126\">- </span><span class=\"S2796 S266A S2\" id=\"t72_126\">44,924 </span><span class=\"S2797 S266A S2\" id=\"t73_126\">- </span><span class=\"S2798 S266A S2\" id=\"t74_126\">51,701 </span><span class=\"S2799 S266A S2\" id=\"t75_126\">- </span><span class=\"S279A S266A S2\" id=\"t76_126\">- </span><span class=\"S279B S266A S2\" id=\"t77_126\">- </span><span class=\"S279C S266A S2\" id=\"t78_126\">- </span><span class=\"S279D S266A S2\" id=\"t79_126\">- </span><span class=\"S279E S266A S2\" id=\"t7a_126\">- </span><span class=\"S279F S2669 S2\" id=\"t7b_126\">96,625 </span><span class=\"S27A0 S266A S2\" id=\"t7c_126\">National Bank of </span><span class=\"S27A1 S266A S2\" id=\"t7d_126\">Hungary bonds </span><span class=\"S27A2 S266A S2\" id=\"t7e_126\">- </span><span class=\"S27A3 S266A S2\" id=\"t7f_126\">- </span><span class=\"S27A4 S266A S2\" id=\"t7g_126\">- </span><span class=\"S27A5 S266A S2\" id=\"t7h_126\">- </span><span class=\"S27A6 S266A S2\" id=\"t7i_126\">- </span><span class=\"S27A7 S266A S2\" id=\"t7j_126\">- </span><span class=\"S27A8 S266A S2\" id=\"t7k_126\">- </span><span class=\"S27A9 S266A S2\" id=\"t7l_126\">- </span><span class=\"S27AA S266A S2\" id=\"t7m_126\">- </span><span class=\"S27AB S266A S2\" id=\"t7n_126\">- </span><span class=\"S27AC S266A S2\" id=\"t7o_126\">- </span><span class=\"S27AD S266A S2\" id=\"t7p_126\">109,774 </span><span class=\"S27AE S266A S2\" id=\"t7q_126\">- </span><span class=\"S27AF S266A S2\" id=\"t7r_126\">- </span><span class=\"S27B0 S266A S2\" id=\"t7s_126\">- </span><span class=\"S27B1 S266A S2\" id=\"t7t_126\">- </span><span class=\"S27B2 S2669 S2\" id=\"t7u_126\">109,774 </span><span class=\"S27B3 S266A S2\" id=\"t7v_126\">Interest bearing </span><span class=\"S27B4 S266A S2\" id=\"t7w_126\">treasury bills </span><span class=\"S27B5 S266A S2\" id=\"t7x_126\">- </span><span class=\"S27B6 S266A S2\" id=\"t7y_126\">- </span><span class=\"S27B7 S266A S2\" id=\"t7z_126\">- </span><span class=\"S27B8 S266A S2\" id=\"t80_126\">- </span><span class=\"S27B9 S266A S2\" id=\"t81_126\">- </span><span class=\"S27BA S266A S2\" id=\"t82_126\">- </span><span class=\"S27BB S266A S2\" id=\"t83_126\">- </span><span class=\"S27BC S266A S2\" id=\"t84_126\">63,115 </span><span class=\"S27BD S266A S2\" id=\"t85_126\">- </span><span class=\"S27BE S266A S2\" id=\"t86_126\">- </span><span class=\"S27BF S266A S2\" id=\"t87_126\">- </span><span class=\"S27C0 S266A S2\" id=\"t88_126\">- </span><span class=\"S27C1 S266A S2\" id=\"t89_126\">- </span><span class=\"S27C2 S266A S2\" id=\"t8a_126\">- </span><span class=\"S27C3 S266A S2\" id=\"t8b_126\">- </span><span class=\"S27C4 S266A S2\" id=\"t8c_126\">- </span><span class=\"S27C5 S2669 S2\" id=\"t8d_126\">63,115 </span><span class=\"S27C6 S266A S2\" id=\"t8e_126\">Other securities </span><span class=\"S27C7 S266A S2\" id=\"t8f_126\">- </span><span class=\"S27C8 S266A S2\" id=\"t8g_126\">- </span><span class=\"S27C9 S266A S2\" id=\"t8h_126\">- </span><span class=\"S27CA S266A S2\" id=\"t8i_126\">- </span><span class=\"S264F S266A S2\" id=\"t8j_126\">- </span><span class=\"S2650 S266A S2\" id=\"t8k_126\">- </span><span class=\"S27CB S266A S2\" id=\"t8l_126\">- </span><span class=\"S27CC S266A S2\" id=\"t8m_126\">- </span><span class=\"S27CD S266A S2\" id=\"t8n_126\">- </span><span class=\"S27CE S266A S2\" id=\"t8o_126\">- </span><span class=\"S27CF S266A S2\" id=\"t8p_126\">- </span><span class=\"S27D0 S266A S2\" id=\"t8q_126\">- </span><span class=\"S27D1 S266A S2\" id=\"t8r_126\">- </span><span class=\"S27D2 S266A S2\" id=\"t8s_126\">- </span><span class=\"S27D3 S266A S2\" id=\"t8t_126\">- </span><span class=\"S27D4 S266A S2\" id=\"t8u_126\">3,257 </span><span class=\"S27D5 S2669 S2\" id=\"t8v_126\">3,257 </span><span class=\"S265A S266A S2\" id=\"t8w_126\">Non-trading </span><span class=\"S27D6 S266A S2\" id=\"t8x_126\">equity instruments </span><span class=\"S27D7 S266A S2\" id=\"t8y_126\">- </span><span class=\"S27D8 S266A S2\" id=\"t8z_126\">- </span><span class=\"S27D9 S266A S2\" id=\"t90_126\">6,112 </span><span class=\"S27DA S266A S2\" id=\"t91_126\">349 </span><span class=\"S27DB S266A S2\" id=\"t92_126\">- </span><span class=\"S27DC S266A S2\" id=\"t93_126\">- </span><span class=\"S27DD S266A S2\" id=\"t94_126\">- </span><span class=\"S27DE S266A S2\" id=\"t95_126\">- </span><span class=\"S27DF S266A S2\" id=\"t96_126\">305 </span><span class=\"S27E0 S266A S2\" id=\"t97_126\">- </span><span class=\"S27E1 S266A S2\" id=\"t98_126\">- </span><span class=\"S27E2 S266A S2\" id=\"t99_126\">- </span><span class=\"S27E3 S266A S2\" id=\"t9a_126\">- </span><span class=\"S27E4 S266A S2\" id=\"t9b_126\">- </span><span class=\"S27E5 S266A S2\" id=\"t9c_126\">- </span><span class=\"S27E6 S266A S2\" id=\"t9d_126\">28,210 </span><span class=\"S27E7 S2669 S2\" id=\"t9e_126\">34,976 </span><span class=\"S27E8 S2669 S2\" id=\"t9f_126\">Total </span><span class=\"S27E9 S2669 S2\" id=\"t9g_126\">21,728 </span><span class=\"S27EA S2669 S2\" id=\"t9h_126\">7,849 </span><span class=\"S27EB S2669 S2\" id=\"t9i_126\">6,112 </span><span class=\"S27EC S2669 S2\" id=\"t9j_126\">65,725 </span><span class=\"S27ED S2669 S2\" id=\"t9k_126\">28,492 </span><span class=\"S27EE S2669 S2\" id=\"t9l_126\">102,321 </span><span class=\"S27EF S2669 S2\" id=\"t9m_126\">203,172 </span><span class=\"S27F0 S2669 S2\" id=\"t9n_126\">609,422 </span><span class=\"S27F1 S2669 S2\" id=\"t9o_126\">417,109 </span><span class=\"S27F2 S2669 S2\" id=\"t9p_126\">244,240 </span><span class=\"S27F3 S2669 S2\" id=\"t9q_126\">175,107 </span><span class=\"S27F4 S2669 S2\" id=\"t9r_126\">109,774 </span><span class=\"S27F5 S2669 S2\" id=\"t9s_126\">76,732 </span><span class=\"S27F6 S2669 S2\" id=\"t9t_126\">91,487 </span><span class=\"S27F7 S2669 S2\" id=\"t9u_126\">178 </span><span class=\"S27F8 S2669 S2\" id=\"t9v_126\">65,062 </span><span class=\"S27F9 S2669 S2\" id=\"t9w_126\">2,224,510 </span><span class=\"S1FD0 SB S2\" id=\"t5_127\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_127\">37.1.8. </span><span class=\"S27FA S603 S2\" id=\"t7_127\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S1FD3 SB S2\" id=\"t8_127\">Securities at amortized cost </span><span class=\"S27FB S2669 S2\" id=\"t9_127\">2022 </span><span class=\"S27FC S2669 S2\" id=\"ta_127\">Aaa </span><span class=\"S27FD S2669 S2\" id=\"tb_127\">Aa2 </span><span class=\"S27FE S2669 S2\" id=\"tc_127\">A1 </span><span class=\"S27FF S2669 S2\" id=\"td_127\">A2 </span><span class=\"S2800 S2669 S2\" id=\"te_127\">A3 </span><span class=\"S2801 S2669 S2\" id=\"tf_127\">Baa1 </span><span class=\"S2802 S2669 S2\" id=\"tg_127\">Baa2 </span><span class=\"S2803 S2669 S2\" id=\"th_127\">Baa3 </span><span class=\"S2804 S2669 S2\" id=\"ti_127\">Ba2 </span><span class=\"S2805 S2669 S2\" id=\"tj_127\">B1 </span><span class=\"S2806 S2669 S2\" id=\"tk_127\">B3 </span><span class=\"S2807 S2669 S2\" id=\"tl_127\">Caa3 </span><span class=\"S2808 S2669 S2\" id=\"tm_127\">Not </span><span class=\"S2809 S2669 S2\" id=\"tn_127\">rated </span><span class=\"S280A S2669 S2\" id=\"to_127\">N/A </span><span class=\"S280B S2669 S2\" id=\"tp_127\">Total </span><span class=\"S280C S266A S2\" id=\"tq_127\">Government bonds </span><span class=\"S280D S266A S2\" id=\"tr_127\">285,285 </span><span class=\"S280E S266A S2\" id=\"ts_127\">27,551 </span><span class=\"S280F S266A S2\" id=\"tt_127\">12,382 </span><span class=\"S2810 S266A S2\" id=\"tu_127\">26,341 </span><span class=\"S2811 S266A S2\" id=\"tv_127\">33,154 </span><span class=\"S2812 S266A S2\" id=\"tw_127\">218,408 </span><span class=\"S2813 S266A S2\" id=\"tx_127\">3,019,422 </span><span class=\"S2814 S266A S2\" id=\"ty_127\">154,043 </span><span class=\"S2815 S266A S2\" id=\"tz_127\">163,104 </span><span class=\"S2816 S266A S2\" id=\"t10_127\">39,470 </span><span class=\"S2817 S266A S2\" id=\"t11_127\">23,623 </span><span class=\"S2818 S266A S2\" id=\"t12_127\">308,798 </span><span class=\"S2819 S266A S2\" id=\"t13_127\">- </span><span class=\"S281A S266A S2\" id=\"t14_127\">24,427 </span><span class=\"S281B S2669 S2\" id=\"t15_127\">4,336,008 </span><span class=\"S281C S266A S2\" id=\"t16_127\">Corporate bonds </span><span class=\"S281D S266A S2\" id=\"t17_127\">- </span><span class=\"S281E S266A S2\" id=\"t18_127\">- </span><span class=\"S281F S266A S2\" id=\"t19_127\">- </span><span class=\"S2820 S266A S2\" id=\"t1a_127\">- </span><span class=\"S2821 S266A S2\" id=\"t1b_127\">- </span><span class=\"S2822 S266A S2\" id=\"t1c_127\">- </span><span class=\"S2823 S266A S2\" id=\"t1d_127\">- </span><span class=\"S2824 S266A S2\" id=\"t1e_127\">15,800 </span><span class=\"S2825 S266A S2\" id=\"t1f_127\">- </span><span class=\"S2826 S266A S2\" id=\"t1g_127\">2,839 </span><span class=\"S2827 S266A S2\" id=\"t1h_127\">- </span><span class=\"S2828 S266A S2\" id=\"t1i_127\">- </span><span class=\"S2829 S266A S2\" id=\"t1j_127\">229,322 </span><span class=\"S282A S266A S2\" id=\"t1k_127\">- </span><span class=\"S282B S2669 S2\" id=\"t1l_127\">247,961 </span><span class=\"S282C S266A S2\" id=\"t1m_127\">Bonds of Hungarian National Bank </span><span class=\"S282D S266A S2\" id=\"t1n_127\">- </span><span class=\"S282E S266A S2\" id=\"t1o_127\">- </span><span class=\"S282F S266A S2\" id=\"t1p_127\">- </span><span class=\"S2830 S266A S2\" id=\"t1q_127\">- </span><span class=\"S2831 S266A S2\" id=\"t1r_127\">- </span><span class=\"S2832 S266A S2\" id=\"t1s_127\">- </span><span class=\"S2833 S266A S2\" id=\"t1t_127\">- </span><span class=\"S2834 S266A S2\" id=\"t1u_127\">177,679 </span><span class=\"S2835 S266A S2\" id=\"t1v_127\">- </span><span class=\"S2836 S266A S2\" id=\"t1w_127\">- </span><span class=\"S2837 S266A S2\" id=\"t1x_127\">- </span><span class=\"S2838 S266A S2\" id=\"t1y_127\">- </span><span class=\"S2839 S266A S2\" id=\"t1z_127\">- </span><span class=\"S283A S266A S2\" id=\"t20_127\">- </span><span class=\"S283B S2669 S2\" id=\"t21_127\">177,679 </span><span class=\"S283C S266A S2\" id=\"t22_127\">Discounted Treasury bills </span><span class=\"S283D S266A S2\" id=\"t23_127\">- </span><span class=\"S283E S266A S2\" id=\"t24_127\">- </span><span class=\"S283F S266A S2\" id=\"t25_127\">- </span><span class=\"S2840 S266A S2\" id=\"t26_127\">- </span><span class=\"S2841 S266A S2\" id=\"t27_127\">- </span><span class=\"S2842 S266A S2\" id=\"t28_127\">- </span><span class=\"S2843 S266A S2\" id=\"t29_127\">- </span><span class=\"S2844 S266A S2\" id=\"t2a_127\">- </span><span class=\"S2845 S266A S2\" id=\"t2b_127\">- </span><span class=\"S2846 S266A S2\" id=\"t2c_127\">18,871 </span><span class=\"S2847 S266A S2\" id=\"t2d_127\">- </span><span class=\"S2848 S266A S2\" id=\"t2e_127\">- </span><span class=\"S2849 S266A S2\" id=\"t2f_127\">- </span><span class=\"S284A S2669 S2\" id=\"t2g_127\">18,871 </span><span class=\"S284B S266A S2\" id=\"t2h_127\">Mortgage bonds </span><span class=\"S284C S266A S2\" id=\"t2i_127\">- </span><span class=\"S284D S266A S2\" id=\"t2j_127\">- </span><span class=\"S284E S266A S2\" id=\"t2k_127\">12,966 </span><span class=\"S284F S266A S2\" id=\"t2l_127\">- </span><span class=\"S2850 S266A S2\" id=\"t2m_127\">- </span><span class=\"S2851 S266A S2\" id=\"t2n_127\">- </span><span class=\"S2852 S266A S2\" id=\"t2o_127\">- </span><span class=\"S2853 S266A S2\" id=\"t2p_127\">- </span><span class=\"S2854 S266A S2\" id=\"t2q_127\">- </span><span class=\"S2855 S266A S2\" id=\"t2r_127\">- </span><span class=\"S2856 S266A S2\" id=\"t2s_127\">- </span><span class=\"S2857 S266A S2\" id=\"t2t_127\">- </span><span class=\"S2858 S266A S2\" id=\"t2u_127\">11,518 </span><span class=\"S2859 S266A S2\" id=\"t2v_127\">- </span><span class=\"S285A S2669 S2\" id=\"t2w_127\">24,484 </span><span class=\"S285B S266A S2\" id=\"t2x_127\">Interest bearing Treasury bills </span><span class=\"S285C S266A S2\" id=\"t2y_127\">- </span><span class=\"S285D S266A S2\" id=\"t2z_127\">- </span><span class=\"S285E S266A S2\" id=\"t30_127\">- </span><span class=\"S285F S266A S2\" id=\"t31_127\">- </span><span class=\"S2860 S266A S2\" id=\"t32_127\">- </span><span class=\"S2861 S266A S2\" id=\"t33_127\">- </span><span class=\"S2862 S266A S2\" id=\"t34_127\">- </span><span class=\"S2863 S266A S2\" id=\"t35_127\">- </span><span class=\"S2864 S266A S2\" id=\"t36_127\">- </span><span class=\"S2865 S266A S2\" id=\"t37_127\">4,954 </span><span class=\"S2866 S266A S2\" id=\"t38_127\">- </span><span class=\"S2867 S266A S2\" id=\"t39_127\">- </span><span class=\"S2868 S266A S2\" id=\"t3a_127\">- </span><span class=\"S2869 S266A S2\" id=\"t3b_127\">- </span><span class=\"S286A S2669 S2\" id=\"t3c_127\">4,954 </span><span class=\"S2713 S266A S2\" id=\"t3d_127\">Other securities </span><span class=\"S286B S266A S2\" id=\"t3e_127\">- </span><span class=\"S286C S266A S2\" id=\"t3f_127\">- </span><span class=\"S286D S266A S2\" id=\"t3g_127\">1,911 </span><span class=\"S286E S266A S2\" id=\"t3h_127\">9,357 </span><span class=\"S286F S266A S2\" id=\"t3i_127\">403 </span><span class=\"S2870 S266A S2\" id=\"t3j_127\">11,874 </span><span class=\"S2871 S266A S2\" id=\"t3k_127\">3,971 </span><span class=\"S2872 S266A S2\" id=\"t3l_127\">13,223 </span><span class=\"S2873 S266A S2\" id=\"t3m_127\">1,968 </span><span class=\"S2874 S266A S2\" id=\"t3n_127\">- </span><span class=\"S2875 S266A S2\" id=\"t3o_127\">- </span><span class=\"S2876 S266A S2\" id=\"t3p_127\">- </span><span class=\"S2877 S266A S2\" id=\"t3q_127\">39,274 </span><span class=\"S2878 S266A S2\" id=\"t3r_127\">- </span><span class=\"S2879 S2669 S2\" id=\"t3s_127\">81,981 </span><span class=\"S2724 S2669 S2\" id=\"t3t_127\">Total </span><span class=\"S287A S2669 S2\" id=\"t3u_127\">285,285 </span><span class=\"S287B S2669 S2\" id=\"t3v_127\">27,551 </span><span class=\"S287C S2669 S2\" id=\"t3w_127\">27,259 </span><span class=\"S287D S2669 S2\" id=\"t3x_127\">35,698 </span><span class=\"S287E S2669 S2\" id=\"t3y_127\">33,557 </span><span class=\"S287F S2669 S2\" id=\"t3z_127\">230,282 </span><span class=\"S2880 S2669 S2\" id=\"t40_127\">3,023,393 </span><span class=\"S2881 S2669 S2\" id=\"t41_127\">360,745 </span><span class=\"S2882 S2669 S2\" id=\"t42_127\">165,072 </span><span class=\"S2883 S2669 S2\" id=\"t43_127\">47,263 </span><span class=\"S2884 S2669 S2\" id=\"t44_127\">42,494 </span><span class=\"S2885 S2669 S2\" id=\"t45_127\">308,798 </span><span class=\"S2886 S2669 S2\" id=\"t46_127\">280,114 </span><span class=\"S2887 S2669 S2\" id=\"t47_127\">24,427 </span><span class=\"S2888 S2669 S2\" id=\"t48_127\">4,891,938 </span><span class=\"S2889 S2669 S2\" id=\"t49_127\">2021 </span><span class=\"S288A S2669 S2\" id=\"t4a_127\">Aaa </span><span class=\"S288B S2669 S2\" id=\"t4b_127\">Aa2 </span><span class=\"S288C S2669 S2\" id=\"t4c_127\">A1 </span><span class=\"S288D S2669 S2\" id=\"t4d_127\">A2 </span><span class=\"S288E S2669 S2\" id=\"t4e_127\">A3 </span><span class=\"S288F S2669 S2\" id=\"t4f_127\">Baa1 </span><span class=\"S2890 S2669 S2\" id=\"t4g_127\">Baa2 </span><span class=\"S2891 S2669 S2\" id=\"t4h_127\">Baa3 </span><span class=\"S2892 S2669 S2\" id=\"t4i_127\">Ba1 </span><span class=\"S2893 S2669 S2\" id=\"t4j_127\">Ba2 </span><span class=\"S2894 S2669 S2\" id=\"t4k_127\">B1 </span><span class=\"S2895 S2669 S2\" id=\"t4l_127\">B3 </span><span class=\"S2896 S2669 S2\" id=\"t4m_127\">N/A </span><span class=\"S2897 S2669 S2\" id=\"t4n_127\">Total </span><span class=\"S2898 S266A S2\" id=\"t4o_127\">Government bonds </span><span class=\"S2899 S266A S2\" id=\"t4p_127\">185,261 </span><span class=\"S289A S266A S2\" id=\"t4q_127\">45,392 </span><span class=\"S289B S266A S2\" id=\"t4r_127\">20,043 </span><span class=\"S289C S266A S2\" id=\"t4s_127\">- </span><span class=\"S289D S266A S2\" id=\"t4t_127\">31,892 </span><span class=\"S289E S266A S2\" id=\"t4u_127\">172,502 </span><span class=\"S289F S266A S2\" id=\"t4v_127\">2,858,111 </span><span class=\"S28A0 S266A S2\" id=\"t4w_127\">174,929 </span><span class=\"S28A1 S266A S2\" id=\"t4x_127\">26,544 </span><span class=\"S28A2 S266A S2\" id=\"t4y_127\">12,617 </span><span class=\"S28A3 S266A S2\" id=\"t4z_127\">25,587 </span><span class=\"S28A4 S266A S2\" id=\"t50_127\">91,423 </span><span class=\"S28A5 S266A S2\" id=\"t51_127\">- </span><span class=\"S28A6 S2669 S2\" id=\"t52_127\">3,644,301 </span><span class=\"S28A7 S266A S2\" id=\"t53_127\">Corporate bonds </span><span class=\"S28A8 S266A S2\" id=\"t54_127\">- </span><span class=\"S28A9 S266A S2\" id=\"t55_127\">- </span><span class=\"S28AA S266A S2\" id=\"t56_127\">- </span><span class=\"S28AB S266A S2\" id=\"t57_127\">- </span><span class=\"S28AC S266A S2\" id=\"t58_127\">- </span><span class=\"S28AD S266A S2\" id=\"t59_127\">- </span><span class=\"S28AE S266A S2\" id=\"t5a_127\">- </span><span class=\"S28AF S266A S2\" id=\"t5b_127\">32,013 </span><span class=\"S28B0 S266A S2\" id=\"t5c_127\">- </span><span class=\"S28B1 S266A S2\" id=\"t5d_127\">- </span><span class=\"S28B2 S266A S2\" id=\"t5e_127\">- </span><span class=\"S28B3 S266A S2\" id=\"t5f_127\">- </span><span class=\"S28B4 S266A S2\" id=\"t5g_127\">138,862 </span><span class=\"S28B5 S2669 S2\" id=\"t5h_127\">170,875 </span><span class=\"S28B6 S266A S2\" id=\"t5i_127\">Discounted Treasury bills </span><span class=\"S28B7 S266A S2\" id=\"t5j_127\">- </span><span class=\"S28B8 S266A S2\" id=\"t5k_127\">- </span><span class=\"S28B9 S266A S2\" id=\"t5l_127\">- </span><span class=\"S28BA S266A S2\" id=\"t5m_127\">- </span><span class=\"S28BB S266A S2\" id=\"t5n_127\">- </span><span class=\"S28BC S266A S2\" id=\"t5o_127\">- </span><span class=\"S28BD S266A S2\" id=\"t5p_127\">6 </span><span class=\"S28BE S266A S2\" id=\"t5q_127\">- </span><span class=\"S28BF S266A S2\" id=\"t5r_127\">- </span><span class=\"S28C0 S266A S2\" id=\"t5s_127\">- </span><span class=\"S28C1 S266A S2\" id=\"t5t_127\">- </span><span class=\"S28C2 S266A S2\" id=\"t5u_127\">15,696 </span><span class=\"S28C3 S266A S2\" id=\"t5v_127\">- </span><span class=\"S28C4 S2669 S2\" id=\"t5w_127\">15,702 </span><span class=\"S28C5 S266A S2\" id=\"t5x_127\">Mortgage bonds </span><span class=\"S28C6 S266A S2\" id=\"t5y_127\">- </span><span class=\"S28C7 S266A S2\" id=\"t5z_127\">- </span><span class=\"S28C8 S266A S2\" id=\"t60_127\">12,992 </span><span class=\"S28C9 S266A S2\" id=\"t61_127\">- </span><span class=\"S28CA S266A S2\" id=\"t62_127\">- </span><span class=\"S28CB S266A S2\" id=\"t63_127\">- </span><span class=\"S28CC S266A S2\" id=\"t64_127\">- </span><span class=\"S28CD S266A S2\" id=\"t65_127\">47 </span><span class=\"S28CE S266A S2\" id=\"t66_127\">- </span><span class=\"S28CF S266A S2\" id=\"t67_127\">- </span><span class=\"S28D0 S266A S2\" id=\"t68_127\">- </span><span class=\"S28D1 S266A S2\" id=\"t69_127\">- </span><span class=\"S28D2 S266A S2\" id=\"t6a_127\">11,282 </span><span class=\"S28D3 S2669 S2\" id=\"t6b_127\">24,321 </span><span class=\"S28D4 S266A S2\" id=\"t6c_127\">Other securities </span><span class=\"S28D5 S266A S2\" id=\"t6d_127\">298 </span><span class=\"S28D6 S266A S2\" id=\"t6e_127\">- </span><span class=\"S28D7 S266A S2\" id=\"t6f_127\">- </span><span class=\"S28D8 S266A S2\" id=\"t6g_127\">8,210 </span><span class=\"S28D9 S266A S2\" id=\"t6h_127\">- </span><span class=\"S28DA S266A S2\" id=\"t6i_127\">7,343 </span><span class=\"S28DB S266A S2\" id=\"t6j_127\">3,682 </span><span class=\"S28DC S266A S2\" id=\"t6k_127\">- </span><span class=\"S28DD S266A S2\" id=\"t6l_127\">- </span><span class=\"S28DE S266A S2\" id=\"t6m_127\">- </span><span class=\"S28DF S266A S2\" id=\"t6n_127\">- </span><span class=\"S28E0 S266A S2\" id=\"t6o_127\">- </span><span class=\"S28E1 S266A S2\" id=\"t6p_127\">16,603 </span><span class=\"S28E2 S2669 S2\" id=\"t6q_127\">36,136 </span><span class=\"S28E3 S2669 S2\" id=\"t6r_127\">Total </span><span class=\"S28E4 S2669 S2\" id=\"t6s_127\">185,559 </span><span class=\"S28E5 S2669 S2\" id=\"t6t_127\">45,392 </span><span class=\"S28E6 S2669 S2\" id=\"t6u_127\">33,035 </span><span class=\"S28E7 S2669 S2\" id=\"t6v_127\">8,210 </span><span class=\"S28E8 S2669 S2\" id=\"t6w_127\">31,892 </span><span class=\"S28E9 S2669 S2\" id=\"t6x_127\">179,845 </span><span class=\"S28EA S2669 S2\" id=\"t6y_127\">2,861,799 </span><span class=\"S28EB S2669 S2\" id=\"t6z_127\">206,989 </span><span class=\"S28EC S2669 S2\" id=\"t70_127\">26,544 </span><span class=\"S28ED S2669 S2\" id=\"t71_127\">12,617 </span><span class=\"S28EE S2669 S2\" id=\"t72_127\">25,587 </span><span class=\"S28EF S2669 S2\" id=\"t73_127\">107,119 </span><span class=\"S28F0 S2669 S2\" id=\"t74_127\">166,747 </span><span class=\"S28F1 S2669 S2\" id=\"t75_127\">3,891,335 </span><span class=\"S7D9 SB S2\" id=\"t5_128\">37.2. </span><span class=\"S28F2 SB S2\" id=\"t6_128\">Maturity analysis of assets, liabilities and liquidity risk </span><span class=\"S28F3 SA7 S2\" id=\"t7_128\">Liquidity risk is a measure of the extent to which the Group may be required to raise funds to meet its commitments </span><span class=\"S28F4 SA7 S2\" id=\"t8_128\">associated with financial instruments. The Group maintains its liquidity position in accordance with regulations </span><span class=\"S28F5 SA7 S2\" id=\"t9_128\">prescribed by the NBH. </span><span class=\"S28F6 SA7 S2\" id=\"ta_128\">The essential aspect of the liquidity risk management strategy is to identify all relevant systemic and idiosyncratic </span><span class=\"S28F7 SA7 S2\" id=\"tb_128\">sources of liquidity risk and to measure the probability and severity of such events. During liquidity risk </span><span class=\"S28F8 SA7 S2\" id=\"tc_128\">management the Group considers the effect of liquidity risk events caused by reasons arising in the bank business </span><span class=\"S28F9 SA7 S2\" id=\"td_128\">line (deposit withdrawal), the national economy (exchange rate shock yield curve shock) and the global financial </span><span class=\"S28FA SA7 S2\" id=\"te_128\">system (capital market shock). </span><span class=\"S77D S5B9 S2\" id=\"tf_128\">In line with the Group\u2019s risk </span><span class=\"S28FB SA7 S2\" id=\"tg_128\">management policy liquidity risks are measured and managed on multiply hierarchy </span><span class=\"S28FC SA7 S2\" id=\"th_128\">levels and applying integrated unified VaR based methodology. The basic requirement is that the Group must keep </span><span class=\"S28FD SA7 S2\" id=\"ti_128\">high quality liquidity reserves which means it can fulfill all liabilities when they fall due without material additional </span><span class=\"S28FE SA7 S2\" id=\"tj_128\">costs. </span><span class=\"S28FF SA7 S2\" id=\"tk_128\">The liquidity reserves can be divided in two parts. There are separate decentralized liquid asset portfolios at </span><span class=\"S2900 SA7 S2\" id=\"tl_128\">subsidiary level and a centralized flexible liquidity pool at a Group level. The reserves at subsidiary levels are held </span><span class=\"S2901 SA7 S2\" id=\"tm_128\">to cover the relevant shocks of the subsidiaries which may arise in local currencies (deposit withdrawal, local </span><span class=\"S2902 SA7 S2\" id=\"tn_128\">capital market shock, unexpected business expansion), while the centralized liquidity pool is held to cover the </span><span class=\"S2903 S5B9 S2\" id=\"to_128\">Bank\u2019s separate shocks (deposit</span><span class=\"S2904 SA7 S2\" id=\"tp_128\">-, yield curve- </span><span class=\"S2905 S5B9 S2\" id=\"tq_128\">and exchange rate shocks) and all group member\u2019s potential shocks </span><span class=\"SA92 SA7 S2\" id=\"tr_128\">that may arise in foreign currencies (deposit withdrawal, capital market shock). </span><span class=\"S2906 SA7 S2\" id=\"ts_128\">The recalculation of shocks is made at least quarterly while the recalibration of shock measurement models and </span><span class=\"S2907 SA7 S2\" id=\"tt_128\">review of the risk management methodology is an annual process. The monitoring of liquidity reserves for both </span><span class=\"S18BC SA7 S2\" id=\"tu_128\">centralized and decentralized liquid asset portfolio has been built into the daily reporting process. </span><span class=\"S2908 SA7 S2\" id=\"tv_128\">Due to the balance sheet adjustment process (deleveraging) experienced in the last few years, the liquidity reserves </span><span class=\"S2909 SA7 S2\" id=\"tw_128\">of the Group increased significantly while the liquidity risk exposure has decreased considerably. Currently the </span><span class=\"S290A SA7 S2\" id=\"tx_128\">(over)coverage of potential liquidity risk exposure by high quality liquid assets is high. There were no material </span><span class=\"S290B SA7 S2\" id=\"ty_128\">changes in the liquidity risk management process for the year ended 31 December 2022. </span><span class=\"S290C SA7 S2\" id=\"tz_128\">The contractual amounts disclosed in the maturity analyses are the contractual undiscounted cash-flows like gross </span><span class=\"S290D SA7 S2\" id=\"t10_128\">finance lease obligations (before deducting finance charges); prices specified in forward agreements to purchase </span><span class=\"S290E SA7 S2\" id=\"t11_128\">financial assets for cash; net amounts for pay-floating/receive-fixed interest rate swaps for which net cash-flows </span><span class=\"S290F SA7 S2\" id=\"t12_128\">are exchanged; contractual amounts to be exchanged in a derivative financial instrument for which gross cash- </span><span class=\"S2910 SA7 S2\" id=\"t13_128\">flows are exchanged; gross loan commitments. </span><span class=\"S2911 SA7 S2\" id=\"t14_128\">Such undiscounted cash-flows differ from the amount included in the Consolidated Statement of Financial Position </span><span class=\"S2912 SA7 S2\" id=\"t15_128\">because the amount in that statement is based on discounted cash-flows. When the amount payable is not fixed, </span><span class=\"S2913 SA7 S2\" id=\"t16_128\">the amount disclosed is determined by reference to the conditions existing at the end of the reporting period. For </span><span class=\"S2914 SA7 S2\" id=\"t17_128\">example, when the amount payable varies with changes in an index, the amount disclosed may be based on the </span><span class=\"S2915 SA7 S2\" id=\"t18_128\">level of the index at the end of the period. </span><span class=\"S2916 SA7 S2\" id=\"t19_128\">The following tables provide an analysis of assets and liabilities about the non-discounted cash-flow into relevant </span><span class=\"S2917 SA7 S2\" id=\"t1a_128\">maturity groupings based on the remaining period from the balance sheet date to the contractual maturity date. It </span><span class=\"S2918 SA7 S2\" id=\"t1b_128\">is presented under the most prudent consideration of maturity dates where options or repayment schedules allow </span><span class=\"S2919 SA7 S2\" id=\"t1c_128\">for early repayment possibilities. </span><span class=\"S291A SB S2\" id=\"t5_129\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_129\">2022 </span><span class=\"S291C S27D S2\" id=\"t7_129\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_129\">months </span><span class=\"S291E S27D S2\" id=\"t9_129\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_129\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_129\">months </span><span class=\"S2921 S27D S2\" id=\"tc_129\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_129\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_129\">year </span><span class=\"S2924 S27D S2\" id=\"tf_129\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_129\">Without </span><span class=\"S2926 S27D S2\" id=\"th_129\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_129\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_129\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_129\">4,223,091 </span><span class=\"S292A S27E S2\" id=\"tl_129\">4 </span><span class=\"S292B S27E S2\" id=\"tm_129\">- </span><span class=\"S292C S27E S2\" id=\"tn_129\">- </span><span class=\"S292D S27E S2\" id=\"to_129\">- </span><span class=\"S292E S27E S2\" id=\"tp_129\">4,223,095 </span><span class=\"S292F S27E S2\" id=\"tq_129\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_129\">1,062,238 </span><span class=\"S2931 S27E S2\" id=\"ts_129\">67,317 </span><span class=\"S2932 S27E S2\" id=\"tt_129\">221,803 </span><span class=\"S2933 S27E S2\" id=\"tu_129\">2,969 </span><span class=\"S2934 S27E S2\" id=\"tv_129\">806 </span><span class=\"S2935 S27E S2\" id=\"tw_129\">1,355,133 </span><span class=\"S2936 S27E S2\" id=\"tx_129\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_129\">41,250 </span><span class=\"S2938 S27E S2\" id=\"tz_129\">- </span><span class=\"S2939 S27E S2\" id=\"t10_129\">- </span><span class=\"S293A S27E S2\" id=\"t11_129\">- </span><span class=\"S293B S27E S2\" id=\"t12_129\">- </span><span class=\"S293C S27E S2\" id=\"t13_129\">41,250 </span><span class=\"S293D S27E S2\" id=\"t14_129\">Trading securities at fair value through profit or loss </span><span class=\"S293E S27E S2\" id=\"t15_129\">5,350 </span><span class=\"S293F S27E S2\" id=\"t16_129\">29,118 </span><span class=\"S2940 S27E S2\" id=\"t17_129\">67,117 </span><span class=\"S2941 S27E S2\" id=\"t18_129\">11,794 </span><span class=\"S2942 S27E S2\" id=\"t19_129\">50 </span><span class=\"S2943 S27E S2\" id=\"t1a_129\">113,429 </span><span class=\"S2944 S27E S2\" id=\"t1b_129\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2945 S27E S2\" id=\"t1c_129\">594 </span><span class=\"S2946 S27E S2\" id=\"t1d_129\">1,127 </span><span class=\"S2947 S27E S2\" id=\"t1e_129\">9,163 </span><span class=\"S2948 S27E S2\" id=\"t1f_129\">20 </span><span class=\"S2949 S27E S2\" id=\"t1g_129\">34,490 </span><span class=\"S294A S27E S2\" id=\"t1h_129\">45,394 </span><span class=\"S294B S27E S2\" id=\"t1i_129\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_129\">254,204 </span><span class=\"S294D S27E S2\" id=\"t1k_129\">301,798 </span><span class=\"S294E S27E S2\" id=\"t1l_129\">996,103 </span><span class=\"S294F S27E S2\" id=\"t1m_129\">286,950 </span><span class=\"S2950 S27E S2\" id=\"t1n_129\">131,680 </span><span class=\"S2951 S27E S2\" id=\"t1o_129\">1,970,735 </span><span class=\"S2952 S27E S2\" id=\"t1p_129\">Securities at amortized cost </span><span class=\"S2953 S27E S2\" id=\"t1q_129\">534,388 </span><span class=\"S2954 S27E S2\" id=\"t1r_129\">439,296 </span><span class=\"S2955 S27E S2\" id=\"t1s_129\">2,423,815 </span><span class=\"S2956 S27E S2\" id=\"t1t_129\">1,585,672 </span><span class=\"S2957 S27E S2\" id=\"t1u_129\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_129\">4,983,171 </span><span class=\"S2959 S27E S2\" id=\"t1w_129\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_129\">2,013,234 </span><span class=\"S295B S27E S2\" id=\"t1y_129\">3,287,432 </span><span class=\"S295C S27E S2\" id=\"t1z_129\">6,141,665 </span><span class=\"S295D S27E S2\" id=\"t20_129\">6,441,001 </span><span class=\"S295E S27E S2\" id=\"t21_129\">30,584 </span><span class=\"S295F S27E S2\" id=\"t22_129\">17,913,916 </span><span class=\"S2960 S27E S2\" id=\"t23_129\">Finance lease receivable </span><span class=\"S2961 S27E S2\" id=\"t24_129\">87,867 </span><span class=\"S2962 S27E S2\" id=\"t25_129\">215,640 </span><span class=\"S2963 S27E S2\" id=\"t26_129\">1,007,512 </span><span class=\"S2964 S27E S2\" id=\"t27_129\">83,753 </span><span class=\"S2965 S27E S2\" id=\"t28_129\">- </span><span class=\"S2966 S27E S2\" id=\"t29_129\">1,394,772 </span><span class=\"S2967 S27E S2\" id=\"t2a_129\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_129\">40,151 </span><span class=\"S2969 S27E S2\" id=\"t2c_129\">38,038 </span><span class=\"S296A S27E S2\" id=\"t2d_129\">239,627 </span><span class=\"S296B S27E S2\" id=\"t2e_129\">973,060 </span><span class=\"S296C S27E S2\" id=\"t2f_129\">- </span><span class=\"S296D S27E S2\" id=\"t2g_129\">1,290,876 </span><span class=\"S296E S27E S2\" id=\"t2h_129\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_129\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_129\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_129\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_129\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_129\">85,929 </span><span class=\"S2974 S27E S2\" id=\"t2n_129\">85,929 </span><span class=\"S2975 S27E S2\" id=\"t2o_129\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_129\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_129\">271,648 </span><span class=\"S2978 S27E S2\" id=\"t2r_129\">4,039 </span><span class=\"S2979 S27E S2\" id=\"t2s_129\">3,917 </span><span class=\"S297A S27E S2\" id=\"t2t_129\">8,485 </span><span class=\"S297B S27E S2\" id=\"t2u_129\">6,726 </span><span class=\"S297C S27E S2\" id=\"t2v_129\">294,815 </span><span class=\"S297D S27D S2\" id=\"t2w_129\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_129\">8,534,015 </span><span class=\"S297F S27D S2\" id=\"t2y_129\">4,383,809 </span><span class=\"S2980 S27D S2\" id=\"t2z_129\">11,110,722 </span><span class=\"S2981 S27D S2\" id=\"t30_129\">9,393,704 </span><span class=\"S2982 S27D S2\" id=\"t31_129\">290,265 </span><span class=\"S2983 S27D S2\" id=\"t32_129\">33,712,515 </span><span class=\"S2984 S27E S2\" id=\"t33_129\">Amounts due to banks, the National Governments, </span><span class=\"S2985 S27E S2\" id=\"t34_129\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_129\">387,564 </span><span class=\"S2987 S27E S2\" id=\"t36_129\">213,599 </span><span class=\"S2988 S27E S2\" id=\"t37_129\">665,930 </span><span class=\"S2989 S27E S2\" id=\"t38_129\">296,766 </span><span class=\"S298A S27E S2\" id=\"t39_129\">- </span><span class=\"S298B S27E S2\" id=\"t3a_129\">1,563,859 </span><span class=\"S298C S27E S2\" id=\"t3b_129\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_129\">29,153 </span><span class=\"S298E S27E S2\" id=\"t3d_129\">191 </span><span class=\"S298F S27E S2\" id=\"t3e_129\">188,025 </span><span class=\"S2990 S27E S2\" id=\"t3f_129\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_129\">- </span><span class=\"S2992 S27E S2\" id=\"t3h_129\">217,369 </span><span class=\"S2993 S27E S2\" id=\"t3i_129\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_129\">583 </span><span class=\"S2995 S27E S2\" id=\"t3k_129\">1,133 </span><span class=\"S2996 S27E S2\" id=\"t3l_129\">5,535 </span><span class=\"S2997 S27E S2\" id=\"t3m_129\">50,218 </span><span class=\"S2998 S27E S2\" id=\"t3n_129\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_129\">57,469 </span><span class=\"S299A S27E S2\" id=\"t3p_129\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_129\">23,399,285 </span><span class=\"S299C S27E S2\" id=\"t3r_129\">1,275,142 </span><span class=\"S299D S27E S2\" id=\"t3s_129\">398,900 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_129\">123,290 </span><span class=\"S299E S27E S2\" id=\"t3u_129\">- </span><span class=\"S299F S27E S2\" id=\"t3v_129\">25,196,617 </span><span class=\"S29A0 S27E S2\" id=\"t3w_129\">Liabilities from issued securities </span><span class=\"S29A1 S27E S2\" id=\"t3x_129\">10,644 </span><span class=\"S29A2 S27E S2\" id=\"t3y_129\">44,375 </span><span class=\"S29A3 S27E S2\" id=\"t3z_129\">730,703 </span><span class=\"S29A4 S27E S2\" id=\"t40_129\">173,510 </span><span class=\"S29A5 S27E S2\" id=\"t41_129\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_129\">959,232 </span><span class=\"S29A7 S27E S2\" id=\"t43_129\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_129\">4,720 </span><span class=\"S29A9 S27E S2\" id=\"t45_129\">9,616 </span><span class=\"S29AA S27E S2\" id=\"t46_129\">33,534 </span><span class=\"S29AB S27E S2\" id=\"t47_129\">18,397 </span><span class=\"S29AC S27E S2\" id=\"t48_129\">72 </span><span class=\"S29AD S27E S2\" id=\"t49_129\">66,339 </span><span class=\"S29AE S27E S2\" id=\"t4a_129\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_129\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_129\">550,802 </span><span class=\"S29B1 S27E S2\" id=\"t4d_129\">34,748 </span><span class=\"S29B2 S27E S2\" id=\"t4e_129\">11,065 </span><span class=\"S29B3 S27E S2\" id=\"t4f_129\">817 </span><span class=\"S29B4 S27E S2\" id=\"t4g_129\">4,231 </span><span class=\"S29B5 S27E S2\" id=\"t4h_129\">601,663 </span><span class=\"S29B6 S27E S2\" id=\"t4i_129\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_129\">3,395 </span><span class=\"S29B8 S27E S2\" id=\"t4k_129\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_129\">8,603 </span><span class=\"S29BA S27E S2\" id=\"t4m_129\">291,801 </span><span class=\"S29BB S27E S2\" id=\"t4n_129\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_129\">303,799 </span><span class=\"S29BD S27D S2\" id=\"t4p_129\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_129\">24,386,146 </span><span class=\"S29BF S27D S2\" id=\"t4r_129\">1,578,804 </span><span class=\"S29C0 S27D S2\" id=\"t4s_129\">2,042,295 </span><span class=\"S29C1 S27D S2\" id=\"t4t_129\">954,799 </span><span class=\"S29C2 S27D S2\" id=\"t4u_129\">4,303 </span><span class=\"S29C3 S27D S2\" id=\"t4v_129\">28,966,347 </span><span class=\"S29C4 S27D S2\" id=\"t4w_129\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_129\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_129\">(15,852,131) </span><span class=\"S29C7 S27D S2\" id=\"t4z_129\">2,805,005 </span><span class=\"S29C8 S27D S2\" id=\"t50_129\">9,068,427 </span><span class=\"S29C9 S27D S2\" id=\"t51_129\">8,438,905 </span><span class=\"S29CA S27D S2\" id=\"t52_129\">285,962 </span><span class=\"S29CB S27D S2\" id=\"t53_129\">4,746,168 </span><span class=\"S29CC S482 S2\" id=\"t54_129\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_129\">Without derivative financial instruments. </span><span class=\"S29CE S482 S2\" id=\"t56_129\">2 </span><span class=\"S29CF S483 S2\" id=\"t57_129\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S29D0 S1A84 S2\" id=\"t58_129\">demand deposits are presented in the earliest (within 3 month) period category, however based on the Management\u2019s discretion </span><span class=\"S29D1 S483 S2\" id=\"t59_129\">the Group has appropriate liquidity reserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5a_129\">risk. </span><span class=\"S291A SB S2\" id=\"t5_130\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_130\">2022 </span><span class=\"S29D5 S27D S2\" id=\"t7_130\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_130\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_130\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_130\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_130\">months </span><span class=\"S29DA S27D S2\" id=\"tc_130\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_130\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_130\">year </span><span class=\"S29DD S27D S2\" id=\"tf_130\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_130\">Without </span><span class=\"S29DF S27D S2\" id=\"th_130\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_130\">Total </span><span class=\"S29E1 S27E S2\" id=\"tj_130\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_130\">7,242,836 </span><span class=\"S29E3 S27E S2\" id=\"tl_130\">1,270,841 </span><span class=\"S29E4 S27E S2\" id=\"tm_130\">476,343 </span><span class=\"S29E5 S27E S2\" id=\"tn_130\">186,089 </span><span class=\"S29E6 S27E S2\" id=\"to_130\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_130\">9,176,109 </span><span class=\"S29E8 S27E S2\" id=\"tq_130\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_130\">(7,885,403) </span><span class=\"S29EA S27E S2\" id=\"ts_130\">(1,623,033) </span><span class=\"S29EB S27E S2\" id=\"tt_130\">(499,998) </span><span class=\"S29EC S27E S2\" id=\"tu_130\">(192,979) </span><span class=\"S29ED S27E S2\" id=\"tv_130\">- </span><span class=\"S29EE S27E S2\" id=\"tw_130\">(10,201,413) </span><span class=\"S29EF S27D S2\" id=\"tx_130\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_130\">held for trading </span><span class=\"S29F1 S27D S2\" id=\"tz_130\">(642,567) </span><span class=\"S29F2 S27D S2\" id=\"t10_130\">(352,192) </span><span class=\"S29F3 S27D S2\" id=\"t11_130\">(23,655) </span><span class=\"S29F4 S27D S2\" id=\"t12_130\">(6,890) </span><span class=\"S29F5 S27D S2\" id=\"t13_130\">- </span><span class=\"S29F6 S27D S2\" id=\"t14_130\">(1,025,304) </span><span class=\"S29F7 S27E S2\" id=\"t15_130\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_130\">designated as hedge accounting </span><span class=\"S29F9 S27E S2\" id=\"t17_130\">316,440 </span><span class=\"S29FA S27E S2\" id=\"t18_130\">186,839 </span><span class=\"S29FB S27E S2\" id=\"t19_130\">784,159 </span><span class=\"S29FC S27E S2\" id=\"t1a_130\">15,859 </span><span class=\"S29FD S27E S2\" id=\"t1b_130\">- </span><span class=\"S29FE S27E S2\" id=\"t1c_130\">1,303,297 </span><span class=\"S29FF S27E S2\" id=\"t1d_130\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_130\">designated as hedge accounting </span><span class=\"S2A01 S27E S2\" id=\"t1f_130\">(297,714) </span><span class=\"S2A02 S27E S2\" id=\"t1g_130\">(217,102) </span><span class=\"S2A03 S27E S2\" id=\"t1h_130\">(2,031,727) </span><span class=\"S2A04 S27E S2\" id=\"t1i_130\">(13,425) </span><span class=\"S2A05 S27E S2\" id=\"t1j_130\">- </span><span class=\"S2A06 S27E S2\" id=\"t1k_130\">(2,559,968) </span><span class=\"S2A07 S27D S2\" id=\"t1l_130\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_130\">as hedge accounting </span><span class=\"S2A09 S27D S2\" id=\"t1n_130\">18,726 </span><span class=\"S2A0A S27D S2\" id=\"t1o_130\">(30,263) </span><span class=\"S2A0B S27D S2\" id=\"t1p_130\">(1,247,568) </span><span class=\"S2A0C S27D S2\" id=\"t1q_130\">2,434 </span><span class=\"S2A0D S27D S2\" id=\"t1r_130\">- </span><span class=\"S2A0E S27D S2\" id=\"t1s_130\">(1,256,671) </span><span class=\"S2A0F S27D S2\" id=\"t1t_130\">Net position of derivative financial instruments total </span><span class=\"S2A10 S27D S2\" id=\"t1u_130\">(623,841) </span><span class=\"S2A11 S27D S2\" id=\"t1v_130\">(382,455) </span><span class=\"S2A12 S27D S2\" id=\"t1w_130\">(1,271,223) </span><span class=\"S2A13 S27D S2\" id=\"t1x_130\">(4,456) </span><span class=\"S2A14 S27D S2\" id=\"t1y_130\">- </span><span class=\"S2A15 S27D S2\" id=\"t1z_130\">(2,281,975) </span><span class=\"S2A16 S27E S2\" id=\"t20_130\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_130\">3,937,023 </span><span class=\"S2A18 S27E S2\" id=\"t22_130\">236,103 </span><span class=\"S2A19 S27E S2\" id=\"t23_130\">54,355 </span><span class=\"S2A1A S27E S2\" id=\"t24_130\">2,808 </span><span class=\"S2A1B S27E S2\" id=\"t25_130\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_130\">4,230,289 </span><span class=\"S2A1D S27E S2\" id=\"t27_130\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_130\">602,335 </span><span class=\"S2A1F S27E S2\" id=\"t29_130\">308,787 </span><span class=\"S2A20 S27E S2\" id=\"t2a_130\">337,105 </span><span class=\"S2A21 S27E S2\" id=\"t2b_130\">164,790 </span><span class=\"S2A22 S27E S2\" id=\"t2c_130\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_130\">1,413,017 </span><span class=\"S2A24 S27E S2\" id=\"t2e_130\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_130\">47,631 </span><span class=\"S2A26 S27E S2\" id=\"t2g_130\">5,733 </span><span class=\"S2A27 S27E S2\" id=\"t2h_130\">193 </span><span class=\"S2A28 S27E S2\" id=\"t2i_130\">- </span><span class=\"S2A29 S27E S2\" id=\"t2j_130\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_130\">53,557 </span><span class=\"S2A2B S27E S2\" id=\"t2l_130\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_130\">414,585 </span><span class=\"S2A2D S27E S2\" id=\"t2n_130\">5,035 </span><span class=\"S2A2E S27E S2\" id=\"t2o_130\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_130\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_130\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_130\">419,620 </span><span class=\"S2A32 S27D S2\" id=\"t2s_130\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_130\">5,001,574 </span><span class=\"S2A34 S27D S2\" id=\"t2u_130\">555,658 </span><span class=\"S2A35 S27D S2\" id=\"t2v_130\">391,653 </span><span class=\"S2A36 S27D S2\" id=\"t2w_130\">167,598 </span><span class=\"S2A37 S27D S2\" id=\"t2x_130\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_130\">6,116,483 </span><span class=\"S291A SB S2\" id=\"t5_131\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_131\">2021 </span><span class=\"S291C S27D S2\" id=\"t7_131\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_131\">months </span><span class=\"S291E S27D S2\" id=\"t9_131\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_131\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_131\">months </span><span class=\"S2A39 S27D S2\" id=\"tc_131\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_131\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_131\">year </span><span class=\"S2924 S27D S2\" id=\"tf_131\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_131\">Without </span><span class=\"S2926 S27D S2\" id=\"th_131\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_131\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_131\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_131\">2,557,092 </span><span class=\"S2A3A S27E S2\" id=\"tl_131\">51 </span><span class=\"S292B S27E S2\" id=\"tm_131\">- </span><span class=\"S292C S27E S2\" id=\"tn_131\">- </span><span class=\"S292D S27E S2\" id=\"to_131\">- </span><span class=\"S292E S27E S2\" id=\"tp_131\">2,557,143 </span><span class=\"S292F S27E S2\" id=\"tq_131\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_131\">1,314,523 </span><span class=\"S2931 S27E S2\" id=\"ts_131\">61,455 </span><span class=\"S2932 S27E S2\" id=\"tt_131\">145,180 </span><span class=\"S2A3B S27E S2\" id=\"tu_131\">67,764 </span><span class=\"S2A3C S27E S2\" id=\"tv_131\">- </span><span class=\"S2935 S27E S2\" id=\"tw_131\">1,588,922 </span><span class=\"S2A3D S27E S2\" id=\"tx_131\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_131\">61,373 </span><span class=\"S2938 S27E S2\" id=\"tz_131\">- </span><span class=\"S2939 S27E S2\" id=\"t10_131\">- </span><span class=\"S293A S27E S2\" id=\"t11_131\">- </span><span class=\"S293B S27E S2\" id=\"t12_131\">- </span><span class=\"S293C S27E S2\" id=\"t13_131\">61,373 </span><span class=\"S2A3E S27E S2\" id=\"t14_131\">Trading securities at fair value through profit or loss </span><span class=\"S2A3F S27E S2\" id=\"t15_131\">29,714 </span><span class=\"S293F S27E S2\" id=\"t16_131\">21,975 </span><span class=\"S2940 S27E S2\" id=\"t17_131\">37,345 </span><span class=\"S2941 S27E S2\" id=\"t18_131\">13,530 </span><span class=\"S2A40 S27E S2\" id=\"t19_131\">1,738 </span><span class=\"S2943 S27E S2\" id=\"t1a_131\">104,302 </span><span class=\"S2944 S27E S2\" id=\"t1b_131\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2A41 S27E S2\" id=\"t1c_131\">- </span><span class=\"S2A42 S27E S2\" id=\"t1d_131\">- </span><span class=\"S2947 S27E S2\" id=\"t1e_131\">9,769 </span><span class=\"S2948 S27E S2\" id=\"t1f_131\">19 </span><span class=\"S2949 S27E S2\" id=\"t1g_131\">43,615 </span><span class=\"S294A S27E S2\" id=\"t1h_131\">53,403 </span><span class=\"S294B S27E S2\" id=\"t1i_131\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_131\">295,977 </span><span class=\"S294D S27E S2\" id=\"t1k_131\">249,131 </span><span class=\"S2A43 S27E S2\" id=\"t1l_131\">1,114,027 </span><span class=\"S294F S27E S2\" id=\"t1m_131\">544,167 </span><span class=\"S2A44 S27E S2\" id=\"t1n_131\">40,798 </span><span class=\"S2951 S27E S2\" id=\"t1o_131\">2,244,100 </span><span class=\"S2952 S27E S2\" id=\"t1p_131\">Securities at amortized cost </span><span class=\"S2A45 S27E S2\" id=\"t1q_131\">34,190 </span><span class=\"S2954 S27E S2\" id=\"t1r_131\">482,530 </span><span class=\"S2955 S27E S2\" id=\"t1s_131\">2,146,652 </span><span class=\"S2956 S27E S2\" id=\"t1t_131\">1,202,747 </span><span class=\"S2957 S27E S2\" id=\"t1u_131\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_131\">3,866,119 </span><span class=\"S2959 S27E S2\" id=\"t1w_131\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_131\">1,827,131 </span><span class=\"S295B S27E S2\" id=\"t1y_131\">2,599,854 </span><span class=\"S295C S27E S2\" id=\"t1z_131\">5,897,202 </span><span class=\"S295D S27E S2\" id=\"t20_131\">4,742,146 </span><span class=\"S2A46 S27E S2\" id=\"t21_131\">136,975 </span><span class=\"S295F S27E S2\" id=\"t22_131\">15,203,308 </span><span class=\"S2960 S27E S2\" id=\"t23_131\">Finance lease receivable </span><span class=\"S2A47 S27E S2\" id=\"t24_131\">124,074 </span><span class=\"S2962 S27E S2\" id=\"t25_131\">307,745 </span><span class=\"S2A48 S27E S2\" id=\"t26_131\">770,154 </span><span class=\"S2964 S27E S2\" id=\"t27_131\">48,636 </span><span class=\"S2965 S27E S2\" id=\"t28_131\">- </span><span class=\"S2966 S27E S2\" id=\"t29_131\">1,250,609 </span><span class=\"S2967 S27E S2\" id=\"t2a_131\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_131\">30,164 </span><span class=\"S2969 S27E S2\" id=\"t2c_131\">31,662 </span><span class=\"S296A S27E S2\" id=\"t2d_131\">221,069 </span><span class=\"S296B S27E S2\" id=\"t2e_131\">835,014 </span><span class=\"S296C S27E S2\" id=\"t2f_131\">- </span><span class=\"S296D S27E S2\" id=\"t2g_131\">1,117,909 </span><span class=\"S296E S27E S2\" id=\"t2h_131\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_131\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_131\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_131\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_131\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_131\">79,736 </span><span class=\"S2974 S27E S2\" id=\"t2n_131\">79,736 </span><span class=\"S2975 S27E S2\" id=\"t2o_131\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_131\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_131\">130,133 </span><span class=\"S2978 S27E S2\" id=\"t2r_131\">3,244 </span><span class=\"S2979 S27E S2\" id=\"t2s_131\">6,265 </span><span class=\"S297A S27E S2\" id=\"t2t_131\">3,270 </span><span class=\"S297B S27E S2\" id=\"t2u_131\">9,804 </span><span class=\"S297C S27E S2\" id=\"t2v_131\">152,716 </span><span class=\"S297D S27D S2\" id=\"t2w_131\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_131\">6,404,371 </span><span class=\"S297F S27D S2\" id=\"t2y_131\">3,757,647 </span><span class=\"S2980 S27D S2\" id=\"t2z_131\">10,347,663 </span><span class=\"S2981 S27D S2\" id=\"t30_131\">7,457,293 </span><span class=\"S2982 S27D S2\" id=\"t31_131\">312,666 </span><span class=\"S2983 S27D S2\" id=\"t32_131\">28,279,640 </span><span class=\"S2984 S27E S2\" id=\"t33_131\">Amounts due to banks, the National Governments, </span><span class=\"S2A49 S27E S2\" id=\"t34_131\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_131\">332,330 </span><span class=\"S2987 S27E S2\" id=\"t36_131\">173,171 </span><span class=\"S2988 S27E S2\" id=\"t37_131\">704,505 </span><span class=\"S2989 S27E S2\" id=\"t38_131\">366,025 </span><span class=\"S298A S27E S2\" id=\"t39_131\">- </span><span class=\"S298B S27E S2\" id=\"t3a_131\">1,576,031 </span><span class=\"S298C S27E S2\" id=\"t3b_131\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_131\">79,045 </span><span class=\"S2A4A S27E S2\" id=\"t3d_131\">- </span><span class=\"S2A4B S27E S2\" id=\"t3e_131\">2 </span><span class=\"S2990 S27E S2\" id=\"t3f_131\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_131\">- </span><span class=\"S2A4C S27E S2\" id=\"t3h_131\">79,047 </span><span class=\"S2993 S27E S2\" id=\"t3i_131\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_131\">530 </span><span class=\"S2995 S27E S2\" id=\"t3k_131\">1,253 </span><span class=\"S2996 S27E S2\" id=\"t3l_131\">4,421 </span><span class=\"S2997 S27E S2\" id=\"t3m_131\">34,980 </span><span class=\"S2998 S27E S2\" id=\"t3n_131\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_131\">41,184 </span><span class=\"S299A S27E S2\" id=\"t3p_131\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_131\">19,593,347 </span><span class=\"S2A4D S27E S2\" id=\"t3r_131\">997,565 </span><span class=\"S299D S27E S2\" id=\"t3s_131\">336,246 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_131\">148,580 </span><span class=\"S299E S27E S2\" id=\"t3u_131\">- </span><span class=\"S299F S27E S2\" id=\"t3v_131\">21,075,738 </span><span class=\"S29A0 S27E S2\" id=\"t3w_131\">Liabilities from issued securities </span><span class=\"S2A4E S27E S2\" id=\"t3x_131\">6,702 </span><span class=\"S2A4F S27E S2\" id=\"t3y_131\">2,664 </span><span class=\"S29A3 S27E S2\" id=\"t3z_131\">303,223 </span><span class=\"S29A4 S27E S2\" id=\"t40_131\">159,139 </span><span class=\"S29A5 S27E S2\" id=\"t41_131\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_131\">471,728 </span><span class=\"S29A7 S27E S2\" id=\"t43_131\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_131\">3,060 </span><span class=\"S29A9 S27E S2\" id=\"t45_131\">9,058 </span><span class=\"S29AA S27E S2\" id=\"t46_131\">27,307 </span><span class=\"S29AB S27E S2\" id=\"t47_131\">15,530 </span><span class=\"S2A50 S27E S2\" id=\"t48_131\">- </span><span class=\"S29AD S27E S2\" id=\"t49_131\">54,955 </span><span class=\"S29AE S27E S2\" id=\"t4a_131\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_131\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_131\">465,022 </span><span class=\"S29B1 S27E S2\" id=\"t4d_131\">26,311 </span><span class=\"S29B2 S27E S2\" id=\"t4e_131\">10,312 </span><span class=\"S29B3 S27E S2\" id=\"t4f_131\">674 </span><span class=\"S29B4 S27E S2\" id=\"t4g_131\">6,235 </span><span class=\"S29B5 S27E S2\" id=\"t4h_131\">508,554 </span><span class=\"S29B6 S27E S2\" id=\"t4i_131\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_131\">2,886 </span><span class=\"S29B8 S27E S2\" id=\"t4k_131\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_131\">7,495 </span><span class=\"S29BA S27E S2\" id=\"t4m_131\">269,698 </span><span class=\"S29BB S27E S2\" id=\"t4n_131\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_131\">280,079 </span><span class=\"S29BD S27D S2\" id=\"t4p_131\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_131\">20,482,922 </span><span class=\"S29BF S27D S2\" id=\"t4r_131\">1,210,022 </span><span class=\"S29C0 S27D S2\" id=\"t4s_131\">1,393,511 </span><span class=\"S29C1 S27D S2\" id=\"t4t_131\">994,626 </span><span class=\"S29C2 S27D S2\" id=\"t4u_131\">6,235 </span><span class=\"S29C3 S27D S2\" id=\"t4v_131\">24,087,316 </span><span class=\"S29C4 S27D S2\" id=\"t4w_131\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_131\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_131\">(14,078,551) </span><span class=\"S29C7 S27D S2\" id=\"t4z_131\">2,547,625 </span><span class=\"S29C8 S27D S2\" id=\"t50_131\">8,954,152 </span><span class=\"S29C9 S27D S2\" id=\"t51_131\">6,462,667 </span><span class=\"S29CA S27D S2\" id=\"t52_131\">306,431 </span><span class=\"S29CB S27D S2\" id=\"t53_131\">4,192,324 </span><span class=\"S29CC S482 S2\" id=\"t54_131\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_131\">Without derivative financial instruments </span><span class=\"S29CE S482 S2\" id=\"t56_131\">2 </span><span class=\"S2A51 S483 S2\" id=\"t57_131\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S2A52 S483 S2\" id=\"t58_131\">demand deposits are presented in the </span><span class=\"S2A53 S1A84 S2\" id=\"t59_131\">earliest (within 3 month) period category, however based on the Management\u2019s discretion the Group has appropriate liquidity r </span><span class=\"S2A54 S483 S2\" id=\"t5a_131\">eserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5b_131\">risk. </span><span class=\"S291A SB S2\" id=\"t5_132\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_132\">2021 </span><span class=\"S29D5 S27D S2\" id=\"t7_132\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_132\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_132\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_132\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_132\">months </span><span class=\"S29DA S27D S2\" id=\"tc_132\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_132\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_132\">year </span><span class=\"S29DD S27D S2\" id=\"tf_132\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_132\">Without </span><span class=\"S29DF S27D S2\" id=\"th_132\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_132\">Total </span><span class=\"S2A55 S27E S2\" id=\"tj_132\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_132\">4,396,050 </span><span class=\"S29E3 S27E S2\" id=\"tl_132\">1,993,311 </span><span class=\"S29E4 S27E S2\" id=\"tm_132\">302,924 </span><span class=\"S29E5 S27E S2\" id=\"tn_132\">151,959 </span><span class=\"S29E6 S27E S2\" id=\"to_132\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_132\">6,844,244 </span><span class=\"S29E8 S27E S2\" id=\"tq_132\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_132\">(4,349,598) </span><span class=\"S29EA S27E S2\" id=\"ts_132\">(1,991,763) </span><span class=\"S29EB S27E S2\" id=\"tt_132\">(296,648) </span><span class=\"S29EC S27E S2\" id=\"tu_132\">(146,398) </span><span class=\"S29ED S27E S2\" id=\"tv_132\">- </span><span class=\"S2A56 S27E S2\" id=\"tw_132\">(6,784,407) </span><span class=\"S29EF S27D S2\" id=\"tx_132\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_132\">held for trading </span><span class=\"S2A57 S27D S2\" id=\"tz_132\">46,452 </span><span class=\"S2A58 S27D S2\" id=\"t10_132\">1,548 </span><span class=\"S2A59 S27D S2\" id=\"t11_132\">6,276 </span><span class=\"S2A5A S27D S2\" id=\"t12_132\">5,561 </span><span class=\"S29F5 S27D S2\" id=\"t13_132\">- </span><span class=\"S2A5B S27D S2\" id=\"t14_132\">59,837 </span><span class=\"S29F7 S27E S2\" id=\"t15_132\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_132\">designated as hedge accounting </span><span class=\"S2A5C S27E S2\" id=\"t17_132\">5,693 </span><span class=\"S2A5D S27E S2\" id=\"t18_132\">37,815 </span><span class=\"S29FB S27E S2\" id=\"t19_132\">580,489 </span><span class=\"S29FC S27E S2\" id=\"t1a_132\">16,195 </span><span class=\"S29FD S27E S2\" id=\"t1b_132\">- </span><span class=\"S2A5E S27E S2\" id=\"t1c_132\">640,192 </span><span class=\"S2A5F S27E S2\" id=\"t1d_132\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_132\">designated as hedge accounting </span><span class=\"S2A60 S27E S2\" id=\"t1f_132\">(7,765) </span><span class=\"S2A61 S27E S2\" id=\"t1g_132\">(47,374) </span><span class=\"S2A62 S27E S2\" id=\"t1h_132\">(595,938) </span><span class=\"S2A04 S27E S2\" id=\"t1i_132\">(16,417) </span><span class=\"S2A05 S27E S2\" id=\"t1j_132\">- </span><span class=\"S2A63 S27E S2\" id=\"t1k_132\">(667,494) </span><span class=\"S2A07 S27D S2\" id=\"t1l_132\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_132\">as hedge accounting </span><span class=\"S2A64 S27D S2\" id=\"t1n_132\">(2,072) </span><span class=\"S2A65 S27D S2\" id=\"t1o_132\">(9,559) </span><span class=\"S2A66 S27D S2\" id=\"t1p_132\">(15,449) </span><span class=\"S2A67 S27D S2\" id=\"t1q_132\">(222) </span><span class=\"S2A0D S27D S2\" id=\"t1r_132\">- </span><span class=\"S2A68 S27D S2\" id=\"t1s_132\">(27,302) </span><span class=\"S2A69 S27D S2\" id=\"t1t_132\">Net position of derivative financial instruments total </span><span class=\"S2A6A S27D S2\" id=\"t1u_132\">44,380 </span><span class=\"S2A6B S27D S2\" id=\"t1v_132\">(8,011) </span><span class=\"S2A6C S27D S2\" id=\"t1w_132\">(9,173) </span><span class=\"S2A6D S27D S2\" id=\"t1x_132\">5,339 </span><span class=\"S2A14 S27D S2\" id=\"t1y_132\">- </span><span class=\"S2A6E S27D S2\" id=\"t1z_132\">32,535 </span><span class=\"S2A16 S27E S2\" id=\"t20_132\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_132\">3,749,199 </span><span class=\"S2A18 S27E S2\" id=\"t22_132\">234,503 </span><span class=\"S2A19 S27E S2\" id=\"t23_132\">74,915 </span><span class=\"S2A1A S27E S2\" id=\"t24_132\">6,385 </span><span class=\"S2A1B S27E S2\" id=\"t25_132\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_132\">4,065,002 </span><span class=\"S2A1D S27E S2\" id=\"t27_132\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_132\">532,445 </span><span class=\"S2A1F S27E S2\" id=\"t29_132\">347,448 </span><span class=\"S2A20 S27E S2\" id=\"t2a_132\">307,030 </span><span class=\"S2A21 S27E S2\" id=\"t2b_132\">106,918 </span><span class=\"S2A22 S27E S2\" id=\"t2c_132\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_132\">1,293,841 </span><span class=\"S2A6F S27E S2\" id=\"t2e_132\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_132\">61,124 </span><span class=\"S2A26 S27E S2\" id=\"t2g_132\">2,937 </span><span class=\"S2A27 S27E S2\" id=\"t2h_132\">853 </span><span class=\"S2A70 S27E S2\" id=\"t2i_132\">163 </span><span class=\"S2A29 S27E S2\" id=\"t2j_132\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_132\">65,077 </span><span class=\"S2A2B S27E S2\" id=\"t2l_132\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_132\">464,341 </span><span class=\"S2A71 S27E S2\" id=\"t2n_132\">- </span><span class=\"S2A2E S27E S2\" id=\"t2o_132\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_132\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_132\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_132\">464,341 </span><span class=\"S2A32 S27D S2\" id=\"t2s_132\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_132\">4,807,109 </span><span class=\"S2A34 S27D S2\" id=\"t2u_132\">584,888 </span><span class=\"S2A35 S27D S2\" id=\"t2v_132\">382,798 </span><span class=\"S2A36 S27D S2\" id=\"t2w_132\">113,466 </span><span class=\"S2A37 S27D S2\" id=\"t2x_132\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_132\">5,888,261 </span><span class=\"S7D9 SB S2\" id=\"t5_133\">37.3. </span><span class=\"S2A72 SB S2\" id=\"t6_133\">Net foreign currency position and foreign currency risk </span><span class=\"S2A73 SB S2\" id=\"t7_133\">2022 </span><span class=\"S2A74 SB S2\" id=\"t8_133\">USD </span><span class=\"S2A75 SB S2\" id=\"t9_133\">EUR </span><span class=\"S2A76 SB S2\" id=\"ta_133\">CHF </span><span class=\"S2A77 SB S2\" id=\"tb_133\">Other </span><span class=\"S2A78 SB S2\" id=\"tc_133\">Total </span><span class=\"S2A79 SA7 S2\" id=\"td_133\">Assets </span><span class=\"S2A7A SA7 S2\" id=\"te_133\">1,092,435 </span><span class=\"S2A7B SA7 S2\" id=\"tf_133\">9,990,818 </span><span class=\"S2A7C SA7 S2\" id=\"tg_133\">50,641 </span><span class=\"S2A7D SA7 S2\" id=\"th_133\">9,646,119 </span><span class=\"S2A7E SA7 S2\" id=\"ti_133\">20,780,013 </span><span class=\"S2A7F SA7 S2\" id=\"tj_133\">Liabilities </span><span class=\"S2A80 SA7 S2\" id=\"tk_133\">(1,523,947) </span><span class=\"S2A81 SA7 S2\" id=\"tl_133\">(9,320,156) </span><span class=\"S2A82 SA7 S2\" id=\"tm_133\">(148,570) </span><span class=\"S2A83 SA7 S2\" id=\"tn_133\">(7,646,515) </span><span class=\"S2A84 SA7 S2\" id=\"to_133\">(18,639,188) </span><span class=\"S2A85 SA7 S2\" id=\"tp_133\">Derivative financial </span><span class=\"S2A86 SA7 S2\" id=\"tq_133\">instruments </span><span class=\"S2A87 SA7 S2\" id=\"tr_133\">499,444 </span><span class=\"S2A88 SA7 S2\" id=\"ts_133\">1,014,423 </span><span class=\"S2A89 SA7 S2\" id=\"tt_133\">161,697 </span><span class=\"S2A8A SA7 S2\" id=\"tu_133\">(355,391) </span><span class=\"S2A8B SA7 S2\" id=\"tv_133\">1,320,173 </span><span class=\"S2A8C SB S2\" id=\"tw_133\">Net position </span><span class=\"S2A8D SB S2\" id=\"tx_133\">67,932 </span><span class=\"S2A8E SB S2\" id=\"ty_133\">1,685,085 </span><span class=\"S2A8F SB S2\" id=\"tz_133\">63,768 </span><span class=\"S2A90 SB S2\" id=\"t10_133\">1,644,213 </span><span class=\"S2A91 SB S2\" id=\"t11_133\">3,460,998 </span><span class=\"S2A92 SB S2\" id=\"t12_133\">2021 </span><span class=\"S2A93 SB S2\" id=\"t13_133\">USD </span><span class=\"S2A94 SB S2\" id=\"t14_133\">EUR </span><span class=\"S2A95 SB S2\" id=\"t15_133\">CHF </span><span class=\"S2A96 SB S2\" id=\"t16_133\">Other </span><span class=\"S2A97 SB S2\" id=\"t17_133\">Total </span><span class=\"S2A98 SA7 S2\" id=\"t18_133\">Assets </span><span class=\"S2A99 SA7 S2\" id=\"t19_133\">1,163,960 </span><span class=\"S2A9A SA7 S2\" id=\"t1a_133\">7,661,460 </span><span class=\"S2A9B SA7 S2\" id=\"t1b_133\">88,639 </span><span class=\"S2A9C SA7 S2\" id=\"t1c_133\">7,677,060 </span><span class=\"S2A9D SA7 S2\" id=\"t1d_133\">16,591,119 </span><span class=\"S2A9E SA7 S2\" id=\"t1e_133\">Liabilities </span><span class=\"S2A9F SA7 S2\" id=\"t1f_133\">(1,013,972) </span><span class=\"S2AA0 SA7 S2\" id=\"t1g_133\">(6,769,472) </span><span class=\"S2AA1 SA7 S2\" id=\"t1h_133\">(107,902) </span><span class=\"S2AA2 SA7 S2\" id=\"t1i_133\">(5,971,941) </span><span class=\"S2AA3 SA7 S2\" id=\"t1j_133\">(13,863,287) </span><span class=\"S2AA4 SA7 S2\" id=\"t1k_133\">Derivative financial </span><span class=\"S2AA5 SA7 S2\" id=\"t1l_133\">instruments </span><span class=\"S2AA6 SA7 S2\" id=\"t1m_133\">(186,774) </span><span class=\"S2AA7 SA7 S2\" id=\"t1n_133\">(371,225) </span><span class=\"S2AA8 SA7 S2\" id=\"t1o_133\">32,021 </span><span class=\"S2AA9 SA7 S2\" id=\"t1p_133\">(101,951) </span><span class=\"S2AAA SA7 S2\" id=\"t1q_133\">(627,929) </span><span class=\"S2AAB SB S2\" id=\"t1r_133\">Net position </span><span class=\"S2AAC SB S2\" id=\"t1s_133\">(36,786) </span><span class=\"S2AAD SB S2\" id=\"t1t_133\">520,763 </span><span class=\"S2AAE SB S2\" id=\"t1u_133\">12,758 </span><span class=\"S2AAF SB S2\" id=\"t1v_133\">1,603,168 </span><span class=\"S2AB0 SB S2\" id=\"t1w_133\">2,099,903 </span><span class=\"S2AB1 SA7 S2\" id=\"t1x_133\">The table above provides an analysis of the main foreign currency exposures of the Group that arise in the non- </span><span class=\"S2AB2 SA7 S2\" id=\"t1y_133\">functional currency of the entities constituting the Group. The remaining foreign currencies are shown within </span><span class=\"S2AB3 S5B9 S2\" id=\"t1z_133\">\u2018Others\u2019. \u2018Others\u2019 category contains mainly foreign currencies </span><span class=\"S2AB4 SA7 S2\" id=\"t20_133\">in RON, RSD, HRK, UAH, RUB, BGN, ALL and </span><span class=\"S2AB5 SA7 S2\" id=\"t21_133\">MDL. The Group monitors its foreign exchange position for compliance with the regulatory requirements of the </span><span class=\"S2AB6 SA7 S2\" id=\"t22_133\">National Banks and its own limit system established in respect of limits on open positions. The measurement of </span><span class=\"S2AB7 S5B9 S2\" id=\"t23_133\">the open foreign currency position of the Group involves monitoring the \u201cVaR\u201d limit on the foreign exchange </span><span class=\"S9E7 SA7 S2\" id=\"t24_133\">exposure of the Group. The derivative financial instruments detailed in the table above are presented at fair value. </span><span class=\"S7D9 SB S2\" id=\"t5_134\">37.4. </span><span class=\"S716 SB S2\" id=\"t6_134\">Interest rate risk management </span><span class=\"S1E4A SA7 S2\" id=\"t7_134\">Interest rate risk is the risk that the value of a financial instrument will fluctuate due to changes in market interest </span><span class=\"S2AB9 SA7 S2\" id=\"t8_134\">rates. The length of time for which the rate of interest is fixed on a financial instrument, therefore, indicates to </span><span class=\"S5BF SA7 S2\" id=\"t9_134\">what extent it is exposed to interest rate risk. </span><span class=\"S2ABA SA7 S2\" id=\"ta_134\">The majority of the interest-bearing assets and liabilities of the Group are structured to match either short-term </span><span class=\"S2ABB SA7 S2\" id=\"tb_134\">assets and short-term liabilities, or long-term assets and liabilities with repricing opportunities within one year, or </span><span class=\"S71C SA7 S2\" id=\"tc_134\">long-term assets and corresponding liabilities where repricing is performed simultaneously. </span><span class=\"S2ABC SA7 S2\" id=\"td_134\">In addition, the significant spread existing between the different types of interest-bearing assets and liabilities </span><span class=\"S2ABD SA7 S2\" id=\"te_134\">enables the Group to benefit from a high level of flexibility in adjusting for its interest rate matching and interest </span><span class=\"S2ABE SA7 S2\" id=\"tf_134\">rate risk exposure. </span><span class=\"S9D9 SA7 S2\" id=\"tg_134\">The following table presents the interest repricing periods of the assets and liabilities. Variable yield assets and </span><span class=\"S2ABF SA7 S2\" id=\"th_134\">liabilities have been reported in accordance with their next repricing date. Fixed income assets and liabilities have </span><span class=\"S2AC0 SA7 S2\" id=\"ti_134\">been reported in accordance with their maturity. </span><span class=\"S2AC1 SB S2\" id=\"t5_135\">37.4.  Interest rate risk management [continued] </span><span class=\"S2AC2 SB S2\" id=\"t6_135\">As at 31 December 2022 </span><span class=\"S2AC3 S2669 S2\" id=\"t7_135\">ASSETS </span><span class=\"S2AC4 S2669 S2\" id=\"t8_135\">Within 1 month </span><span class=\"S2AC5 S2669 S2\" id=\"t9_135\">Over 1 month and </span><span class=\"S2AC6 S2669 S2\" id=\"ta_135\">Within 3 months </span><span class=\"S2AC7 S2669 S2\" id=\"tb_135\">Over 3 months and </span><span class=\"S2AC8 S2669 S2\" id=\"tc_135\">Within 12 months </span><span class=\"S2AC9 S2669 S2\" id=\"td_135\">Over 1 year and </span><span class=\"S2ACA S2669 S2\" id=\"te_135\">Within 2 years </span><span class=\"S2ACB S2669 S2\" id=\"tf_135\">Over 2 years </span><span class=\"S2ACC S2669 S2\" id=\"tg_135\">Non-interest- </span><span class=\"S2ACD S2669 S2\" id=\"th_135\">bearing </span><span class=\"S2ACE S2669 S2\" id=\"ti_135\">Total </span><span class=\"S2ACF S2669 S2\" id=\"tj_135\">Total </span><span class=\"S2AD0 S2669 S2\" id=\"tk_135\">HUF </span><span class=\"S2AD1 S2669 S2\" id=\"tl_135\">Currency </span><span class=\"S2AD2 S2669 S2\" id=\"tm_135\">HUF </span><span class=\"S2AD3 S2669 S2\" id=\"tn_135\">Currency </span><span class=\"S2AD4 S2669 S2\" id=\"to_135\">HUF </span><span class=\"S2AD5 S2669 S2\" id=\"tp_135\">Currency </span><span class=\"S2AD6 S2669 S2\" id=\"tq_135\">HUF </span><span class=\"S2AD7 S2669 S2\" id=\"tr_135\">Currency </span><span class=\"S2AD8 S2669 S2\" id=\"ts_135\">HUF </span><span class=\"S2AD9 S2669 S2\" id=\"tt_135\">Currency </span><span class=\"S2ADA S2669 S2\" id=\"tu_135\">HUF </span><span class=\"S2ADB S2669 S2\" id=\"tv_135\">Currency </span><span class=\"S2ADC S2669 S2\" id=\"tw_135\">HUF </span><span class=\"S2ADD S2669 S2\" id=\"tx_135\">Currency </span><span class=\"S2ADE S2669 S2\" id=\"ty_135\">Cash, amounts due from banks and balances </span><span class=\"S2ADF S2669 S2\" id=\"tz_135\">with the </span><span class=\"S2AE0 S2669 S2\" id=\"t10_135\">National Banks </span><span class=\"S2AE1 S2669 S2\" id=\"t11_135\">641,960 </span><span class=\"S2AE2 S2669 S2\" id=\"t12_135\">1,166,289 </span><span class=\"S2AE3 S2669 S2\" id=\"t13_135\">309 </span><span class=\"S2AE4 S2669 S2\" id=\"t14_135\">14,649 </span><span class=\"S2AE5 S2669 S2\" id=\"t15_135\">- </span><span class=\"S2AE6 S2669 S2\" id=\"t16_135\">28,967 </span><span class=\"S2AE7 S2669 S2\" id=\"t17_135\">- </span><span class=\"S2AE8 S2669 S2\" id=\"t18_135\">20,323 </span><span class=\"S2AE9 S2669 S2\" id=\"t19_135\">- </span><span class=\"S2AEA S2669 S2\" id=\"t1a_135\">14,550 </span><span class=\"S2AEB S2669 S2\" id=\"t1b_135\">183,201 </span><span class=\"S2AEC S2669 S2\" id=\"t1c_135\">2,151,144 </span><span class=\"S2AED S2669 S2\" id=\"t1d_135\">825,470 </span><span class=\"S2AEE S2669 S2\" id=\"t1e_135\">3,395,922 </span><span class=\"S2AEF S2669 S2\" id=\"t1f_135\">4,221,392 </span><span class=\"S2AF0 S266A S2\" id=\"t1g_135\">fixed rate </span><span class=\"S2AF1 S266A S2\" id=\"t1h_135\">641,503 </span><span class=\"S2AF2 S266A S2\" id=\"t1i_135\">1,085,631 </span><span class=\"S2AF3 S266A S2\" id=\"t1j_135\">- </span><span class=\"S2AF4 S266A S2\" id=\"t1k_135\">- </span><span class=\"S2AF5 S266A S2\" id=\"t1l_135\">- </span><span class=\"S2AF6 S266A S2\" id=\"t1m_135\">4,941 </span><span class=\"S2AF7 S266A S2\" id=\"t1n_135\">- </span><span class=\"S2AF8 S266A S2\" id=\"t1o_135\">- </span><span class=\"S2AF9 S266A S2\" id=\"t1p_135\">- </span><span class=\"S2AFA S266A S2\" id=\"t1q_135\">- </span><span class=\"S2AFB S266A S2\" id=\"t1r_135\">- </span><span class=\"S2AFC S266A S2\" id=\"t1s_135\">- </span><span class=\"S2AFD S266A S2\" id=\"t1t_135\">641,503 </span><span class=\"S2AFE S266A S2\" id=\"t1u_135\">1,090,572 </span><span class=\"S2AFF S2669 S2\" id=\"t1v_135\">1,732,075 </span><span class=\"S2B00 S266A S2\" id=\"t1w_135\">variable rate </span><span class=\"S2B01 S266A S2\" id=\"t1x_135\">457 </span><span class=\"S2B02 S266A S2\" id=\"t1y_135\">80,658 </span><span class=\"S2B03 S266A S2\" id=\"t1z_135\">309 </span><span class=\"S2B04 S266A S2\" id=\"t20_135\">14,649 </span><span class=\"S2B05 S266A S2\" id=\"t21_135\">- </span><span class=\"S2B06 S266A S2\" id=\"t22_135\">24,026 </span><span class=\"S2B07 S266A S2\" id=\"t23_135\">- </span><span class=\"S2B08 S266A S2\" id=\"t24_135\">20,323 </span><span class=\"S2B09 S266A S2\" id=\"t25_135\">- </span><span class=\"S2B0A S266A S2\" id=\"t26_135\">14,550 </span><span class=\"S2B0B S266A S2\" id=\"t27_135\">- </span><span class=\"S2B0C S266A S2\" id=\"t28_135\">- </span><span class=\"S2B0D S266A S2\" id=\"t29_135\">766 </span><span class=\"S2B0E S266A S2\" id=\"t2a_135\">154,206 </span><span class=\"S2B0F S2669 S2\" id=\"t2b_135\">154,972 </span><span class=\"S2B10 S266A S2\" id=\"t2c_135\">non-interest-bearing </span><span class=\"S2B11 S266A S2\" id=\"t2d_135\">- </span><span class=\"S2B12 S266A S2\" id=\"t2e_135\">- </span><span class=\"S2B13 S266A S2\" id=\"t2f_135\">- </span><span class=\"S2B14 S266A S2\" id=\"t2g_135\">- </span><span class=\"S2B15 S266A S2\" id=\"t2h_135\">- </span><span class=\"S2B16 S266A S2\" id=\"t2i_135\">- </span><span class=\"S2B17 S266A S2\" id=\"t2j_135\">- </span><span class=\"S2B18 S266A S2\" id=\"t2k_135\">- </span><span class=\"S2B19 S266A S2\" id=\"t2l_135\">- </span><span class=\"S2B1A S266A S2\" id=\"t2m_135\">- </span><span class=\"S2B1B S266A S2\" id=\"t2n_135\">183,201 </span><span class=\"S2B1C S266A S2\" id=\"t2o_135\">2,151,144 </span><span class=\"S2B1D S266A S2\" id=\"t2p_135\">183,201 </span><span class=\"S2B1E S266A S2\" id=\"t2q_135\">2,151,144 </span><span class=\"S2B1F S2669 S2\" id=\"t2r_135\">2,334,345 </span><span class=\"S2B20 S2669 S2\" id=\"t2s_135\">Placements with other banks </span><span class=\"S2B21 S2669 S2\" id=\"t2t_135\">682,568 </span><span class=\"S2B22 S2669 S2\" id=\"t2u_135\">345,915 </span><span class=\"S2B23 S2669 S2\" id=\"t2v_135\">46,805 </span><span class=\"S2B24 S2669 S2\" id=\"t2w_135\">37,222 </span><span class=\"S2B25 S2669 S2\" id=\"t2x_135\">100,744 </span><span class=\"S2B26 S2669 S2\" id=\"t2y_135\">2,007 </span><span class=\"S2B27 S2669 S2\" id=\"t2z_135\">- </span><span class=\"S2B28 S2669 S2\" id=\"t30_135\">28 </span><span class=\"S2B29 S2669 S2\" id=\"t31_135\">- </span><span class=\"S2B2A S2669 S2\" id=\"t32_135\">22,016 </span><span class=\"S2B2B S2669 S2\" id=\"t33_135\">48,754 </span><span class=\"S2B2C S2669 S2\" id=\"t34_135\">65,023 </span><span class=\"S2B2D S2669 S2\" id=\"t35_135\">878,871 </span><span class=\"S2B2E S2669 S2\" id=\"t36_135\">472,211 </span><span class=\"S2B2F S2669 S2\" id=\"t37_135\">1,351,082 </span><span class=\"S2B30 S266A S2\" id=\"t38_135\">fixed rate </span><span class=\"S2B31 S266A S2\" id=\"t39_135\">2,151 </span><span class=\"S2B32 S266A S2\" id=\"t3a_135\">239,634 </span><span class=\"S2B33 S266A S2\" id=\"t3b_135\">6,542 </span><span class=\"S2B34 S266A S2\" id=\"t3c_135\">37,222 </span><span class=\"S2B35 S266A S2\" id=\"t3d_135\">352 </span><span class=\"S2B36 S266A S2\" id=\"t3e_135\">- </span><span class=\"S2B37 S266A S2\" id=\"t3f_135\">- </span><span class=\"S2B38 S266A S2\" id=\"t3g_135\">28 </span><span class=\"S2B39 S266A S2\" id=\"t3h_135\">- </span><span class=\"S2B3A S266A S2\" id=\"t3i_135\">22,016 </span><span class=\"S2B3B S266A S2\" id=\"t3j_135\">- </span><span class=\"S2B3C S266A S2\" id=\"t3k_135\">- </span><span class=\"S2B3D S266A S2\" id=\"t3l_135\">9,045 </span><span class=\"S2B3E S266A S2\" id=\"t3m_135\">298,900 </span><span class=\"S2B3F S2669 S2\" id=\"t3n_135\">307,945 </span><span class=\"S2B40 S266A S2\" id=\"t3o_135\">variable rate </span><span class=\"S2B41 S266A S2\" id=\"t3p_135\">680,417 </span><span class=\"S2B42 S266A S2\" id=\"t3q_135\">106,281 </span><span class=\"S2B43 S266A S2\" id=\"t3r_135\">40,263 </span><span class=\"S2B44 S266A S2\" id=\"t3s_135\">- </span><span class=\"S2B45 S266A S2\" id=\"t3t_135\">100,392 </span><span class=\"S2B46 S266A S2\" id=\"t3u_135\">2,007 </span><span class=\"S2B47 S266A S2\" id=\"t3v_135\">- </span><span class=\"S2B48 S266A S2\" id=\"t3w_135\">- </span><span class=\"S2B49 S266A S2\" id=\"t3x_135\">- </span><span class=\"S2B4A S266A S2\" id=\"t3y_135\">- </span><span class=\"S2B4B S266A S2\" id=\"t3z_135\">- </span><span class=\"S2B4C S266A S2\" id=\"t40_135\">- </span><span class=\"S2B4D S266A S2\" id=\"t41_135\">821,072 </span><span class=\"S2B4E S266A S2\" id=\"t42_135\">108,288 </span><span class=\"S2B4F S2669 S2\" id=\"t43_135\">929,360 </span><span class=\"S2B50 S266A S2\" id=\"t44_135\">non-interest-bearing </span><span class=\"S2B51 S266A S2\" id=\"t45_135\">- </span><span class=\"S2B52 S266A S2\" id=\"t46_135\">- </span><span class=\"S2B53 S266A S2\" id=\"t47_135\">- </span><span class=\"S2B54 S266A S2\" id=\"t48_135\">- </span><span class=\"S2B55 S266A S2\" id=\"t49_135\">- </span><span class=\"S2B56 S266A S2\" id=\"t4a_135\">- </span><span class=\"S268A S266A S2\" id=\"t4b_135\">- </span><span class=\"S2B57 S266A S2\" id=\"t4c_135\">- </span><span class=\"S2B58 S266A S2\" id=\"t4d_135\">- </span><span class=\"S2B59 S266A S2\" id=\"t4e_135\">- </span><span class=\"S2B5A S266A S2\" id=\"t4f_135\">48,754 </span><span class=\"S2B5B S266A S2\" id=\"t4g_135\">65,023 </span><span class=\"S2B5C S266A S2\" id=\"t4h_135\">48,754 </span><span class=\"S2B5D S266A S2\" id=\"t4i_135\">65,023 </span><span class=\"S2B5E S2669 S2\" id=\"t4j_135\">113,777 </span><span class=\"S2B5F S2669 S2\" id=\"t4k_135\">Repo receivables </span><span class=\"S2B60 S2669 S2\" id=\"t4l_135\">41,009 </span><span class=\"S2B61 S2669 S2\" id=\"t4m_135\">- </span><span class=\"S2B62 S2669 S2\" id=\"t4n_135\">- </span><span class=\"S2B63 S2669 S2\" id=\"t4o_135\">- </span><span class=\"S2B64 S2669 S2\" id=\"t4p_135\">- </span><span class=\"S2B65 S2669 S2\" id=\"t4q_135\">- </span><span class=\"S2B66 S2669 S2\" id=\"t4r_135\">- </span><span class=\"S2B67 S2669 S2\" id=\"t4s_135\">- </span><span class=\"S2B68 S2669 S2\" id=\"t4t_135\">- </span><span class=\"S2B69 S2669 S2\" id=\"t4u_135\">- </span><span class=\"S2B6A S2669 S2\" id=\"t4v_135\">- </span><span class=\"S2B6B S2669 S2\" id=\"t4w_135\">- </span><span class=\"S2B6C S2669 S2\" id=\"t4x_135\">41,009 </span><span class=\"S2B6D S2669 S2\" id=\"t4y_135\">- </span><span class=\"S2B6E S2669 S2\" id=\"t4z_135\">41,009 </span><span class=\"S2B6F S266A S2\" id=\"t50_135\">fixed rate </span><span class=\"S2B70 S266A S2\" id=\"t51_135\">41,009 </span><span class=\"S2B71 S266A S2\" id=\"t52_135\">- </span><span class=\"S2B72 S266A S2\" id=\"t53_135\">- </span><span class=\"S2B73 S266A S2\" id=\"t54_135\">- </span><span class=\"S2B74 S266A S2\" id=\"t55_135\">- </span><span class=\"S2B75 S266A S2\" id=\"t56_135\">- </span><span class=\"S2B76 S266A S2\" id=\"t57_135\">- </span><span class=\"S2B77 S266A S2\" id=\"t58_135\">- </span><span class=\"S2B78 S266A S2\" id=\"t59_135\">- </span><span class=\"S2B79 S266A S2\" id=\"t5a_135\">- </span><span class=\"S2B7A S266A S2\" id=\"t5b_135\">- </span><span class=\"S2B7B S266A S2\" id=\"t5c_135\">- </span><span class=\"S2B7C S266A S2\" id=\"t5d_135\">41,009 </span><span class=\"S2B7D S266A S2\" id=\"t5e_135\">- </span><span class=\"S2B7E S2669 S2\" id=\"t5f_135\">41,009 </span><span class=\"S2B7F S266A S2\" id=\"t5g_135\">variable rate </span><span class=\"S2B80 S266A S2\" id=\"t5h_135\">- </span><span class=\"S2B81 S266A S2\" id=\"t5i_135\">- </span><span class=\"S2B82 S266A S2\" id=\"t5j_135\">- </span><span class=\"S2B83 S266A S2\" id=\"t5k_135\">- </span><span class=\"S2B84 S266A S2\" id=\"t5l_135\">- </span><span class=\"S2B85 S266A S2\" id=\"t5m_135\">- </span><span class=\"S2B86 S266A S2\" id=\"t5n_135\">- </span><span class=\"S2B87 S266A S2\" id=\"t5o_135\">- </span><span class=\"S2B88 S266A S2\" id=\"t5p_135\">- </span><span class=\"S2B89 S266A S2\" id=\"t5q_135\">- </span><span class=\"S2B8A S266A S2\" id=\"t5r_135\">- </span><span class=\"S2B8B S266A S2\" id=\"t5s_135\">- </span><span class=\"S2B8C S266A S2\" id=\"t5t_135\">- </span><span class=\"S2B8D S266A S2\" id=\"t5u_135\">- </span><span class=\"S2B8E S2669 S2\" id=\"t5v_135\">- </span><span class=\"S2B8F S266A S2\" id=\"t5w_135\">non-interest-bearing </span><span class=\"S2B90 S266A S2\" id=\"t5x_135\">- </span><span class=\"S2B91 S266A S2\" id=\"t5y_135\">- </span><span class=\"S2B92 S266A S2\" id=\"t5z_135\">- </span><span class=\"S2B93 S266A S2\" id=\"t60_135\">- </span><span class=\"S2B94 S266A S2\" id=\"t61_135\">- </span><span class=\"S2B95 S266A S2\" id=\"t62_135\">- </span><span class=\"S2B96 S266A S2\" id=\"t63_135\">- </span><span class=\"S2B97 S266A S2\" id=\"t64_135\">- </span><span class=\"S2B98 S266A S2\" id=\"t65_135\">- </span><span class=\"S2B99 S266A S2\" id=\"t66_135\">- </span><span class=\"S2B9A S266A S2\" id=\"t67_135\">- </span><span class=\"S2B9B S266A S2\" id=\"t68_135\">- </span><span class=\"S2B9C S266A S2\" id=\"t69_135\">- </span><span class=\"S2B9D S266A S2\" id=\"t6a_135\">- </span><span class=\"S2B9E S2669 S2\" id=\"t6b_135\">- </span><span class=\"S2B9F S2669 S2\" id=\"t6c_135\">Trading instruments at fair value through </span><span class=\"S2BA0 S2669 S2\" id=\"t6d_135\">profit or loss </span><span class=\"S2BA1 S2669 S2\" id=\"t6e_135\">7,171 </span><span class=\"S2BA2 S2669 S2\" id=\"t6f_135\">1,234 </span><span class=\"S2BA3 S2669 S2\" id=\"t6g_135\">16,157 </span><span class=\"S2BA4 S2669 S2\" id=\"t6h_135\">661 </span><span class=\"S2BA5 S2669 S2\" id=\"t6i_135\">12,146 </span><span class=\"S2BA6 S2669 S2\" id=\"t6j_135\">4,265 </span><span class=\"S2BA7 S2669 S2\" id=\"t6k_135\">21,882 </span><span class=\"S2BA8 S2669 S2\" id=\"t6l_135\">2,436 </span><span class=\"S2BA9 S2669 S2\" id=\"t6m_135\">27,900 </span><span class=\"S2BAA S2669 S2\" id=\"t6n_135\">9,760 </span><span class=\"S2BAB S2669 S2\" id=\"t6o_135\">124 </span><span class=\"S2BAC S2669 S2\" id=\"t6p_135\">1,014 </span><span class=\"S2BAD S2669 S2\" id=\"t6q_135\">85,380 </span><span class=\"S2BAE S2669 S2\" id=\"t6r_135\">19,370 </span><span class=\"S2BAF S2669 S2\" id=\"t6s_135\">104,750 </span><span class=\"S2BB0 S266A S2\" id=\"t6t_135\">fixed rate </span><span class=\"S2BB1 S266A S2\" id=\"t6u_135\">7,156 </span><span class=\"S2BB2 S266A S2\" id=\"t6v_135\">1,234 </span><span class=\"S2BB3 S266A S2\" id=\"t6w_135\">11,967 </span><span class=\"S2BB4 S266A S2\" id=\"t6x_135\">661 </span><span class=\"S2BB5 S266A S2\" id=\"t6y_135\">3,775 </span><span class=\"S2BB6 S266A S2\" id=\"t6z_135\">4,265 </span><span class=\"S2BB7 S266A S2\" id=\"t70_135\">21,882 </span><span class=\"S2BB8 S266A S2\" id=\"t71_135\">2,436 </span><span class=\"S2BB9 S266A S2\" id=\"t72_135\">27,900 </span><span class=\"S2BBA S266A S2\" id=\"t73_135\">9,760 </span><span class=\"S2BBB S266A S2\" id=\"t74_135\">- </span><span class=\"S2BBC S266A S2\" id=\"t75_135\">- </span><span class=\"S2BBD S266A S2\" id=\"t76_135\">72,680 </span><span class=\"S2BBE S266A S2\" id=\"t77_135\">18,356 </span><span class=\"S2BBF S2669 S2\" id=\"t78_135\">91,036 </span><span class=\"S2BC0 S266A S2\" id=\"t79_135\">variable rate </span><span class=\"S2BC1 S266A S2\" id=\"t7a_135\">15 </span><span class=\"S2BC2 S266A S2\" id=\"t7b_135\">- </span><span class=\"S2BC3 S266A S2\" id=\"t7c_135\">4,190 </span><span class=\"S2BC4 S266A S2\" id=\"t7d_135\">- </span><span class=\"S2BC5 S266A S2\" id=\"t7e_135\">8,371 </span><span class=\"S2BC6 S266A S2\" id=\"t7f_135\">- </span><span class=\"S2BC7 S266A S2\" id=\"t7g_135\">- </span><span class=\"S2BC8 S266A S2\" id=\"t7h_135\">- </span><span class=\"S2BC9 S266A S2\" id=\"t7i_135\">- </span><span class=\"S2BCA S266A S2\" id=\"t7j_135\">- </span><span class=\"S2BCB S266A S2\" id=\"t7k_135\">- </span><span class=\"S2BCC S266A S2\" id=\"t7l_135\">- </span><span class=\"S2BCD S266A S2\" id=\"t7m_135\">12,576 </span><span class=\"S2BCE S266A S2\" id=\"t7n_135\">- </span><span class=\"S2BCF S2669 S2\" id=\"t7o_135\">12,576 </span><span class=\"S2BD0 S266A S2\" id=\"t7p_135\">non-interest-bearing </span><span class=\"S2BD1 S266A S2\" id=\"t7q_135\">- </span><span class=\"S2BD2 S266A S2\" id=\"t7r_135\">- </span><span class=\"S2BD3 S266A S2\" id=\"t7s_135\">- </span><span class=\"S2BD4 S266A S2\" id=\"t7t_135\">- </span><span class=\"S2BD5 S266A S2\" id=\"t7u_135\">- </span><span class=\"S2BD6 S266A S2\" id=\"t7v_135\">- </span><span class=\"S2BD7 S266A S2\" id=\"t7w_135\">- </span><span class=\"S2BD8 S266A S2\" id=\"t7x_135\">- </span><span class=\"S2BD9 S266A S2\" id=\"t7y_135\">- </span><span class=\"S2BDA S266A S2\" id=\"t7z_135\">- </span><span class=\"S2BDB S266A S2\" id=\"t80_135\">124 </span><span class=\"S2BDC S266A S2\" id=\"t81_135\">1,014 </span><span class=\"S2BDD S266A S2\" id=\"t82_135\">124 </span><span class=\"S2BDE S266A S2\" id=\"t83_135\">1,014 </span><span class=\"S2BDF S2669 S2\" id=\"t84_135\">1,138 </span><span class=\"S2BE0 S2669 S2\" id=\"t85_135\">Non-trading instruments mandatorily at fair </span><span class=\"S2BE1 S2669 S2\" id=\"t86_135\">value through profit or loss </span><span class=\"S2BE2 S2669 S2\" id=\"t87_135\">- </span><span class=\"S2BE3 S2669 S2\" id=\"t88_135\">- </span><span class=\"S2BE4 S2669 S2\" id=\"t89_135\">- </span><span class=\"S2BE5 S2669 S2\" id=\"t8a_135\">- </span><span class=\"S2BE6 S2669 S2\" id=\"t8b_135\">- </span><span class=\"S2BE7 S2669 S2\" id=\"t8c_135\">- </span><span class=\"S2BE8 S2669 S2\" id=\"t8d_135\">- </span><span class=\"S2BE9 S2669 S2\" id=\"t8e_135\">- </span><span class=\"S2BEA S2669 S2\" id=\"t8f_135\">- </span><span class=\"S2BEB S2669 S2\" id=\"t8g_135\">- </span><span class=\"S2BEC S2669 S2\" id=\"t8h_135\">30,057 </span><span class=\"S2BED S2669 S2\" id=\"t8i_135\">25,098 </span><span class=\"S2BEE S2669 S2\" id=\"t8j_135\">30,057 </span><span class=\"S2BEF S2669 S2\" id=\"t8k_135\">25,098 </span><span class=\"S2BF0 S2669 S2\" id=\"t8l_135\">55,155 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_135\">fixed rate </span><span class=\"S2BF2 S266A S2\" id=\"t8n_135\">- </span><span class=\"S2BF3 S266A S2\" id=\"t8o_135\">- </span><span class=\"S2BF4 S266A S2\" id=\"t8p_135\">- </span><span class=\"S2BF5 S266A S2\" id=\"t8q_135\">- </span><span class=\"S2BF6 S266A S2\" id=\"t8r_135\">- </span><span class=\"S2BF7 S266A S2\" id=\"t8s_135\">- </span><span class=\"S2BF8 S266A S2\" id=\"t8t_135\">- </span><span class=\"S2BF9 S266A S2\" id=\"t8u_135\">- </span><span class=\"S2BFA S266A S2\" id=\"t8v_135\">- </span><span class=\"S2BFB S266A S2\" id=\"t8w_135\">- </span><span class=\"S2BFC S266A S2\" id=\"t8x_135\">- </span><span class=\"S2BFD S266A S2\" id=\"t8y_135\">- </span><span class=\"S2BFE S266A S2\" id=\"t8z_135\">- </span><span class=\"S2BFF S266A S2\" id=\"t90_135\">- </span><span class=\"S2C00 S2669 S2\" id=\"t91_135\">- </span><span class=\"S2C01 S266A S2\" id=\"t92_135\">variable rate </span><span class=\"S2C02 S266A S2\" id=\"t93_135\">- </span><span class=\"S2C03 S266A S2\" id=\"t94_135\">- </span><span class=\"S2C04 S266A S2\" id=\"t95_135\">- </span><span class=\"S2C05 S266A S2\" id=\"t96_135\">- </span><span class=\"S2C06 S266A S2\" id=\"t97_135\">- </span><span class=\"S2C07 S266A S2\" id=\"t98_135\">- </span><span class=\"S2C08 S266A S2\" id=\"t99_135\">- </span><span class=\"S2C09 S266A S2\" id=\"t9a_135\">- </span><span class=\"S2C0A S266A S2\" id=\"t9b_135\">- </span><span class=\"S2C0B S266A S2\" id=\"t9c_135\">- </span><span class=\"S2C0C S266A S2\" id=\"t9d_135\">- </span><span class=\"S2C0D S266A S2\" id=\"t9e_135\">- </span><span class=\"S2C0E S266A S2\" id=\"t9f_135\">- </span><span class=\"S2C0F S266A S2\" id=\"t9g_135\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9h_135\">- </span><span class=\"S2C11 S266A S2\" id=\"t9i_135\">non-interest-bearing </span><span class=\"S2C12 S266A S2\" id=\"t9j_135\">- </span><span class=\"S2C13 S266A S2\" id=\"t9k_135\">- </span><span class=\"S2C14 S266A S2\" id=\"t9l_135\">- </span><span class=\"S2C15 S266A S2\" id=\"t9m_135\">- </span><span class=\"S2C16 S266A S2\" id=\"t9n_135\">- </span><span class=\"S2C17 S266A S2\" id=\"t9o_135\">- </span><span class=\"S2C18 S266A S2\" id=\"t9p_135\">- </span><span class=\"S2C19 S266A S2\" id=\"t9q_135\">- </span><span class=\"S2C1A S266A S2\" id=\"t9r_135\">- </span><span class=\"S2C1B S266A S2\" id=\"t9s_135\">- </span><span class=\"S2C1C S266A S2\" id=\"t9t_135\">30,057 </span><span class=\"S2C1D S266A S2\" id=\"t9u_135\">25,098 </span><span class=\"S2C1E S266A S2\" id=\"t9v_135\">30,057 </span><span class=\"S2C1F S266A S2\" id=\"t9w_135\">25,098 </span><span class=\"S2C20 S2669 S2\" id=\"t9x_135\">55,155 </span><span class=\"S2AC1 SB S2\" id=\"t5_136\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_136\">As at 31 December 2022 [continued] </span><span class=\"S2C22 S2669 S2\" id=\"t7_136\">ASSETS [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_136\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_136\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_136\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_136\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_136\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_136\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_136\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_136\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_136\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_136\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_136\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_136\">Total </span><span class=\"S2C2F S2669 S2\" id=\"tk_136\">HUF </span><span class=\"S2C30 S2669 S2\" id=\"tl_136\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tm_136\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_136\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_136\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_136\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_136\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_136\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_136\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_136\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_136\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_136\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_136\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_136\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_136\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_136\">comprehensive income </span><span class=\"S2C3E S2669 S2\" id=\"t10_136\">150,015 </span><span class=\"S2C3F S2669 S2\" id=\"t11_136\">194,093 </span><span class=\"S2C40 S2669 S2\" id=\"t12_136\">62,611 </span><span class=\"S2C41 S2669 S2\" id=\"t13_136\">57,998 </span><span class=\"S2C42 S2669 S2\" id=\"t14_136\">127,352 </span><span class=\"S2C43 S2669 S2\" id=\"t15_136\">134,675 </span><span class=\"S2C44 S2669 S2\" id=\"t16_136\">15,327 </span><span class=\"S2C45 S2669 S2\" id=\"t17_136\">101,052 </span><span class=\"S2C46 S2669 S2\" id=\"t18_136\">278,680 </span><span class=\"S2C47 S2669 S2\" id=\"t19_136\">577,643 </span><span class=\"S2C48 S2669 S2\" id=\"t1a_136\">265 </span><span class=\"S2C49 S2669 S2\" id=\"t1b_136\">39,892 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_136\">634,250 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_136\">1,105,353 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_136\">1,739,603 </span><span class=\"S2C4D S266A S2\" id=\"t1f_136\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1g_136\">120,553 </span><span class=\"S2C4F S266A S2\" id=\"t1h_136\">194,092 </span><span class=\"S2C50 S266A S2\" id=\"t1i_136\">62,610 </span><span class=\"S2C51 S266A S2\" id=\"t1j_136\">44,277 </span><span class=\"S2C52 S266A S2\" id=\"t1k_136\">127,345 </span><span class=\"S2C53 S266A S2\" id=\"t1l_136\">134,675 </span><span class=\"S2C54 S266A S2\" id=\"t1m_136\">15,327 </span><span class=\"S2C55 S266A S2\" id=\"t1n_136\">100,597 </span><span class=\"S2C56 S266A S2\" id=\"t1o_136\">278,680 </span><span class=\"S2C57 S266A S2\" id=\"t1p_136\">577,643 </span><span class=\"S2C58 S266A S2\" id=\"t1q_136\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_136\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_136\">604,515 </span><span class=\"S2C5B S266A S2\" id=\"t1t_136\">1,051,284 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_136\">1,655,799 </span><span class=\"S2C5C S266A S2\" id=\"t1v_136\">variable rate </span><span class=\"S2C5D S266A S2\" id=\"t1w_136\">29,462 </span><span class=\"S2C5E S266A S2\" id=\"t1x_136\">1 </span><span class=\"S2C5F S266A S2\" id=\"t1y_136\">1 </span><span class=\"S2C60 S266A S2\" id=\"t1z_136\">13,721 </span><span class=\"S2C61 S266A S2\" id=\"t20_136\">7 </span><span class=\"S2C62 S266A S2\" id=\"t21_136\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_136\">- </span><span class=\"S2C64 S266A S2\" id=\"t23_136\">455 </span><span class=\"S2C65 S266A S2\" id=\"t24_136\">- </span><span class=\"S2C66 S266A S2\" id=\"t25_136\">- </span><span class=\"S2C67 S266A S2\" id=\"t26_136\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_136\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_136\">29,470 </span><span class=\"S2C6A S266A S2\" id=\"t29_136\">14,177 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_136\">43,647 </span><span class=\"S2C6C S266A S2\" id=\"t2b_136\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2c_136\">- </span><span class=\"S2C6E S266A S2\" id=\"t2d_136\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_136\">- </span><span class=\"S2C70 S266A S2\" id=\"t2f_136\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_136\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_136\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_136\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_136\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_136\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_136\">- </span><span class=\"S2C77 S266A S2\" id=\"t2m_136\">265 </span><span class=\"S2C78 S266A S2\" id=\"t2n_136\">39,892 </span><span class=\"S2C79 S266A S2\" id=\"t2o_136\">265 </span><span class=\"S2C7A S266A S2\" id=\"t2p_136\">39,892 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_136\">40,157 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_136\">Securities at amortized cost </span><span class=\"S2C7D S2669 S2\" id=\"t2s_136\">197,317 </span><span class=\"S2C7E S2669 S2\" id=\"t2t_136\">364,928 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_136\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_136\">61,623 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_136\">375,979 </span><span class=\"S2C82 S2669 S2\" id=\"t2x_136\">216,496 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_136\">288,026 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_136\">48,565 </span><span class=\"S2C85 S2669 S2\" id=\"t30_136\">2,247,457 </span><span class=\"S2C86 S2669 S2\" id=\"t31_136\">1,091,547 </span><span class=\"S2C87 S2669 S2\" id=\"t32_136\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_136\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_136\">3,108,779 </span><span class=\"S2C8A S2669 S2\" id=\"t35_136\">1,783,159 </span><span class=\"S2B1F S2669 S2\" id=\"t36_136\">4,891,938 </span><span class=\"S2C8B S266A S2\" id=\"t37_136\">fixed rate </span><span class=\"S2C8C S266A S2\" id=\"t38_136\">177,967 </span><span class=\"S2C8D S266A S2\" id=\"t39_136\">364,928 </span><span class=\"S2C8E S266A S2\" id=\"t3a_136\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_136\">56,550 </span><span class=\"S2C90 S266A S2\" id=\"t3c_136\">375,979 </span><span class=\"S2C91 S266A S2\" id=\"t3d_136\">216,496 </span><span class=\"S2C92 S266A S2\" id=\"t3e_136\">288,026 </span><span class=\"S2C93 S266A S2\" id=\"t3f_136\">48,565 </span><span class=\"S2C94 S266A S2\" id=\"t3g_136\">2,247,457 </span><span class=\"S2C95 S266A S2\" id=\"t3h_136\">1,090,235 </span><span class=\"S2C96 S266A S2\" id=\"t3i_136\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_136\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_136\">3,089,429 </span><span class=\"S2C99 S266A S2\" id=\"t3l_136\">1,776,774 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_136\">4,866,203 </span><span class=\"S2C9A S266A S2\" id=\"t3n_136\">variable rate </span><span class=\"S2C9B S266A S2\" id=\"t3o_136\">19,350 </span><span class=\"S2C9C S266A S2\" id=\"t3p_136\">- </span><span class=\"S2C9D S266A S2\" id=\"t3q_136\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_136\">5,073 </span><span class=\"S2C9F S266A S2\" id=\"t3s_136\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_136\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_136\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_136\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_136\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3x_136\">1,312 </span><span class=\"S2CA5 S266A S2\" id=\"t3y_136\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_136\">- </span><span class=\"S2CA7 S266A S2\" id=\"t40_136\">19,350 </span><span class=\"S2CA8 S266A S2\" id=\"t41_136\">6,385 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_136\">25,735 </span><span class=\"S2CAA S266A S2\" id=\"t43_136\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t44_136\">- </span><span class=\"S2CAC S266A S2\" id=\"t45_136\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_136\">- </span><span class=\"S2CAE S266A S2\" id=\"t47_136\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_136\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_136\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_136\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_136\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_136\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_136\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_136\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_136\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_136\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_136\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_136\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_136\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_136\">allowance for loan losses </span><span class=\"S2CBC S2669 S2\" id=\"t4l_136\">186,499 </span><span class=\"S2CBD S2669 S2\" id=\"t4m_136\">6,653,388 </span><span class=\"S2CBE S2669 S2\" id=\"t4n_136\">2,251,999 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_136\">2,762,858 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_136\">77,681 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_136\">1,428,579 </span><span class=\"S2CC2 S2669 S2\" id=\"t4r_136\">38,430 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_136\">403,633 </span><span class=\"S2CC4 S2669 S2\" id=\"t4t_136\">961,205 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_136\">1,116,179 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_136\">129,999 </span><span class=\"S2CC7 S2669 S2\" id=\"t4w_136\">84,008 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_136\">3,645,813 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_136\">12,448,645 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_136\">16,094,458 </span><span class=\"S2B6F S266A S2\" id=\"t50_136\">fixed rate </span><span class=\"S2CCB S266A S2\" id=\"t51_136\">20,139 </span><span class=\"S2CCC S266A S2\" id=\"t52_136\">1,643,455 </span><span class=\"S2CCD S266A S2\" id=\"t53_136\">1,160,027 </span><span class=\"S2CCE S266A S2\" id=\"t54_136\">324,583 </span><span class=\"S2CCF S266A S2\" id=\"t55_136\">14,300 </span><span class=\"S2CD0 S266A S2\" id=\"t56_136\">565,806 </span><span class=\"S2CD1 S266A S2\" id=\"t57_136\">11,987 </span><span class=\"S2CD2 S266A S2\" id=\"t58_136\">344,884 </span><span class=\"S2CD3 S266A S2\" id=\"t59_136\">290,461 </span><span class=\"S2CD4 S266A S2\" id=\"t5a_136\">1,016,774 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_136\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_136\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_136\">1,496,914 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_136\">3,895,502 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_136\">5,392,416 </span><span class=\"S2B7F S266A S2\" id=\"t5g_136\">variable rate </span><span class=\"S2CDA S266A S2\" id=\"t5h_136\">166,360 </span><span class=\"S2CDB S266A S2\" id=\"t5i_136\">5,009,933 </span><span class=\"S2CDC S266A S2\" id=\"t5j_136\">1,091,972 </span><span class=\"S2CDD S266A S2\" id=\"t5k_136\">2,438,275 </span><span class=\"S2CDE S266A S2\" id=\"t5l_136\">63,381 </span><span class=\"S2CDF S266A S2\" id=\"t5m_136\">862,773 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_136\">26,443 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_136\">58,749 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_136\">670,744 </span><span class=\"S2CE3 S266A S2\" id=\"t5q_136\">99,405 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_136\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_136\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_136\">2,018,900 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_136\">8,469,135 </span><span class=\"S2CE8 S2669 S2\" id=\"t5v_136\">10,488,035 </span><span class=\"S2B8F S266A S2\" id=\"t5w_136\">non-interest-bearing </span><span class=\"S2CE9 S266A S2\" id=\"t5x_136\">- </span><span class=\"S2CEA S266A S2\" id=\"t5y_136\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_136\">- </span><span class=\"S2CEC S266A S2\" id=\"t60_136\">- </span><span class=\"S2CED S266A S2\" id=\"t61_136\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_136\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_136\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_136\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_136\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_136\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_136\">129,999 </span><span class=\"S2CF4 S266A S2\" id=\"t68_136\">84,008 </span><span class=\"S2CF5 S266A S2\" id=\"t69_136\">129,999 </span><span class=\"S2CF6 S266A S2\" id=\"t6a_136\">84,008 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_136\">214,007 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_136\">Finance lease receivables </span><span class=\"S2CF9 S2669 S2\" id=\"t6d_136\">70,923 </span><span class=\"S2CFA S2669 S2\" id=\"t6e_136\">326,963 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_136\">10,843 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_136\">147,623 </span><span class=\"S2CFD S2669 S2\" id=\"t6h_136\">21,539 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_136\">183,361 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_136\">30,106 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_136\">94,727 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_136\">217,805 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_136\">182,904 </span><span class=\"S2D03 S2669 S2\" id=\"t6n_136\">194 </span><span class=\"S2D04 S2669 S2\" id=\"t6o_136\">11,764 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_136\">351,410 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_136\">947,342 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_136\">1,298,752 </span><span class=\"S2D08 S266A S2\" id=\"t6s_136\">fixed rate </span><span class=\"S2D09 S266A S2\" id=\"t6t_136\">5,969 </span><span class=\"S2D0A S266A S2\" id=\"t6u_136\">144,070 </span><span class=\"S2D0B S266A S2\" id=\"t6v_136\">818 </span><span class=\"S2D0C S266A S2\" id=\"t6w_136\">8,234 </span><span class=\"S2D0D S266A S2\" id=\"t6x_136\">8,971 </span><span class=\"S2D0E S266A S2\" id=\"t6y_136\">36,041 </span><span class=\"S2D0F S266A S2\" id=\"t6z_136\">29,796 </span><span class=\"S2D10 S266A S2\" id=\"t70_136\">34,165 </span><span class=\"S2D11 S266A S2\" id=\"t71_136\">207,861 </span><span class=\"S2D12 S266A S2\" id=\"t72_136\">75,332 </span><span class=\"S2D13 S266A S2\" id=\"t73_136\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_136\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_136\">253,415 </span><span class=\"S2D16 S266A S2\" id=\"t76_136\">297,842 </span><span class=\"S2BAF S2669 S2\" id=\"t77_136\">551,257 </span><span class=\"S2D17 S266A S2\" id=\"t78_136\">variable rate </span><span class=\"S2D18 S266A S2\" id=\"t79_136\">64,954 </span><span class=\"S2D19 S266A S2\" id=\"t7a_136\">182,893 </span><span class=\"S2D1A S266A S2\" id=\"t7b_136\">10,025 </span><span class=\"S2D1B S266A S2\" id=\"t7c_136\">139,389 </span><span class=\"S2D1C S266A S2\" id=\"t7d_136\">12,568 </span><span class=\"S2D1D S266A S2\" id=\"t7e_136\">147,320 </span><span class=\"S2D1E S266A S2\" id=\"t7f_136\">310 </span><span class=\"S2D1F S266A S2\" id=\"t7g_136\">60,562 </span><span class=\"S2D20 S266A S2\" id=\"t7h_136\">9,944 </span><span class=\"S2D21 S266A S2\" id=\"t7i_136\">107,572 </span><span class=\"S2D22 S266A S2\" id=\"t7j_136\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_136\">- </span><span class=\"S2D24 S266A S2\" id=\"t7l_136\">97,801 </span><span class=\"S2D25 S266A S2\" id=\"t7m_136\">637,736 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_136\">735,537 </span><span class=\"S2D27 S266A S2\" id=\"t7o_136\">non-interest-bearing </span><span class=\"S2D28 S266A S2\" id=\"t7p_136\">- </span><span class=\"S2D29 S266A S2\" id=\"t7q_136\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_136\">- </span><span class=\"S2D2B S266A S2\" id=\"t7s_136\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_136\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_136\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_136\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_136\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_136\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_136\">- </span><span class=\"S2D32 S266A S2\" id=\"t7z_136\">194 </span><span class=\"S2D33 S266A S2\" id=\"t80_136\">11,764 </span><span class=\"S2D34 S266A S2\" id=\"t81_136\">194 </span><span class=\"S2D35 S266A S2\" id=\"t82_136\">11,764 </span><span class=\"S2BCF S2669 S2\" id=\"t83_136\">11,958 </span><span class=\"S2D36 S2669 S2\" id=\"t84_136\">Loans mandatorily at fair value </span><span class=\"S2D37 S2669 S2\" id=\"t85_136\">through profit or loss </span><span class=\"S2D38 S2669 S2\" id=\"t86_136\">26,449 </span><span class=\"S2D39 S2669 S2\" id=\"t87_136\">- </span><span class=\"S2D3A S2669 S2\" id=\"t88_136\">10,992 </span><span class=\"S2D3B S2669 S2\" id=\"t89_136\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_136\">70,371 </span><span class=\"S1381 S2669 S2\" id=\"t8b_136\">- </span><span class=\"S2D3D S2669 S2\" id=\"t8c_136\">231,141 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_136\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_136\">908,461 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_136\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_136\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_136\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_136\">1,247,414 </span><span class=\"S2D44 S2669 S2\" id=\"t8j_136\">- </span><span class=\"S2D45 S2669 S2\" id=\"t8k_136\">1,247,414 </span><span class=\"S2D46 S266A S2\" id=\"t8l_136\">fixed rate </span><span class=\"S2D47 S266A S2\" id=\"t8m_136\">- </span><span class=\"S2D48 S266A S2\" id=\"t8n_136\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_136\">- </span><span class=\"S240F S266A S2\" id=\"t8p_136\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_136\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_136\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_136\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_136\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_136\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_136\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_136\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_136\">- </span><span class=\"S2D52 S266A S2\" id=\"t8y_136\">- </span><span class=\"S2D53 S266A S2\" id=\"t8z_136\">- </span><span class=\"S2D54 S2669 S2\" id=\"t90_136\">- </span><span class=\"S2D55 S266A S2\" id=\"t91_136\">variable rate </span><span class=\"S2D56 S266A S2\" id=\"t92_136\">26,449 </span><span class=\"S2D57 S266A S2\" id=\"t93_136\">- </span><span class=\"S2D58 S266A S2\" id=\"t94_136\">10,992 </span><span class=\"S2D59 S266A S2\" id=\"t95_136\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_136\">70,371 </span><span class=\"S2D5B S266A S2\" id=\"t97_136\">- </span><span class=\"S2D5C S266A S2\" id=\"t98_136\">231,141 </span><span class=\"S2D5D S266A S2\" id=\"t99_136\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_136\">908,461 </span><span class=\"S2D5F S266A S2\" id=\"t9b_136\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_136\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_136\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_136\">1,247,414 </span><span class=\"S2D63 S266A S2\" id=\"t9f_136\">- </span><span class=\"S2D64 S2669 S2\" id=\"t9g_136\">1,247,414 </span><span class=\"S2D65 S266A S2\" id=\"t9h_136\">non-interest-bearing </span><span class=\"S2D66 S266A S2\" id=\"t9i_136\">- </span><span class=\"S2D67 S266A S2\" id=\"t9j_136\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_136\">- </span><span class=\"S2D69 S266A S2\" id=\"t9l_136\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_136\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_136\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_136\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_136\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_136\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_136\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_136\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_136\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_136\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_136\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_136\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_136\">Fair value adjustment of derivative </span><span class=\"S2D75 S2669 S2\" id=\"t9y_136\">financial instruments </span><span class=\"S2D76 S2669 S2\" id=\"t9z_136\">1,808,603 </span><span class=\"S2D77 S2669 S2\" id=\"ta0_136\">3,091,633 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_136\">906,446 </span><span class=\"S2D79 S2669 S2\" id=\"ta2_136\">1,424,864 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_136\">485,449 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_136\">545,738 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_136\">36,682 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_136\">35,986 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_136\">183,664 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_136\">98,654 </span><span class=\"S2D80 S2669 S2\" id=\"ta9_136\">28,204 </span><span class=\"S2D81 S2669 S2\" id=\"taa_136\">730,436 </span><span class=\"S2D82 S2669 S2\" id=\"tab_136\">3,449,048 </span><span class=\"S2D83 S2669 S2\" id=\"tac_136\">5,927,311 </span><span class=\"S2D84 S2669 S2\" id=\"tad_136\">9,376,359 </span><span class=\"S2D85 S266A S2\" id=\"tae_136\">fixed rate </span><span class=\"S2D86 S266A S2\" id=\"taf_136\">1,687,569 </span><span class=\"S2D87 S266A S2\" id=\"tag_136\">3,023,972 </span><span class=\"S2D88 S266A S2\" id=\"tah_136\">428,080 </span><span class=\"S2D89 S266A S2\" id=\"tai_136\">879,090 </span><span class=\"S2D8A S266A S2\" id=\"taj_136\">271,921 </span><span class=\"S2D8B S266A S2\" id=\"tak_136\">518,869 </span><span class=\"S2D8C S266A S2\" id=\"tal_136\">36,682 </span><span class=\"S2D8D S266A S2\" id=\"tam_136\">35,986 </span><span class=\"S2D8E S266A S2\" id=\"tan_136\">183,664 </span><span class=\"S2D8F S266A S2\" id=\"tao_136\">98,654 </span><span class=\"S2D90 S266A S2\" id=\"tap_136\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_136\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_136\">2,607,916 </span><span class=\"S2D93 S266A S2\" id=\"tas_136\">4,556,571 </span><span class=\"S2D94 S2669 S2\" id=\"tat_136\">7,164,487 </span><span class=\"S2D95 S266A S2\" id=\"tau_136\">variable rate </span><span class=\"S2D96 S266A S2\" id=\"tav_136\">121,034 </span><span class=\"S2D97 S266A S2\" id=\"taw_136\">67,661 </span><span class=\"S2D98 S266A S2\" id=\"tax_136\">478,366 </span><span class=\"S2D99 S266A S2\" id=\"tay_136\">545,774 </span><span class=\"S2D9A S266A S2\" id=\"taz_136\">213,528 </span><span class=\"S2D9B S266A S2\" id=\"tb0_136\">26,869 </span><span class=\"S2D9C S266A S2\" id=\"tb1_136\">- </span><span class=\"S2D9D S266A S2\" id=\"tb2_136\">- </span><span class=\"S2D9E S266A S2\" id=\"tb3_136\">- </span><span class=\"S2D9F S266A S2\" id=\"tb4_136\">- </span><span class=\"S2DA0 S266A S2\" id=\"tb5_136\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_136\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_136\">812,928 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_136\">640,304 </span><span class=\"S2DA4 S2669 S2\" id=\"tb9_136\">1,453,232 </span><span class=\"S2DA5 S266A S2\" id=\"tba_136\">non-interest-bearing </span><span class=\"S2DA6 S266A S2\" id=\"tbb_136\">- </span><span class=\"S2DA7 S266A S2\" id=\"tbc_136\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_136\">- </span><span class=\"S2DA9 S266A S2\" id=\"tbe_136\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_136\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_136\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_136\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_136\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_136\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_136\">- </span><span class=\"S2DB0 S266A S2\" id=\"tbl_136\">28,204 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_136\">730,436 </span><span class=\"S2DB2 S266A S2\" id=\"tbn_136\">28,204 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_136\">730,436 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_136\">758,640 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_136\">Other financial assets </span><span class=\"S2DB6 S2669 S2\" id=\"tbr_136\">2,217 </span><span class=\"S2DB7 S2669 S2\" id=\"tbs_136\">25,400 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_136\">2,703 </span><span class=\"S2DB9 S2669 S2\" id=\"tbu_136\">1,316 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_136\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_136\">712 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_136\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_136\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_136\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_136\">143 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_136\">93,577 </span><span class=\"S2DC1 S2669 S2\" id=\"tc2_136\">136,913 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_136\">98,497 </span><span class=\"S2DC3 S2669 S2\" id=\"tc4_136\">164,484 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_136\">262,981 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_136\">fixed rate </span><span class=\"S2DC6 S266A S2\" id=\"tc7_136\">2,217 </span><span class=\"S2DC7 S266A S2\" id=\"tc8_136\">14,552 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_136\">2,504 </span><span class=\"S2DC9 S266A S2\" id=\"tca_136\">1,018 </span><span class=\"S2DCA S266A S2\" id=\"tcb_136\">- </span><span class=\"S2DCB S266A S2\" id=\"tcc_136\">712 </span><span class=\"S2DCC S266A S2\" id=\"tcd_136\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_136\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_136\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_136\">123 </span><span class=\"S2DD0 S266A S2\" id=\"tch_136\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_136\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_136\">4,721 </span><span class=\"S2DD3 S266A S2\" id=\"tck_136\">16,405 </span><span class=\"S2DD4 S2669 S2\" id=\"tcl_136\">21,126 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_136\">variable rate </span><span class=\"S2DD6 S266A S2\" id=\"tcn_136\">- </span><span class=\"S2DD7 S266A S2\" id=\"tco_136\">10,848 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_136\">199 </span><span class=\"S2DD9 S266A S2\" id=\"tcq_136\">298 </span><span class=\"S2DDA S266A S2\" id=\"tcr_136\">- </span><span class=\"S2DDB S266A S2\" id=\"tcs_136\">- </span><span class=\"S2DDC S266A S2\" id=\"tct_136\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_136\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_136\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_136\">20 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_136\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_136\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_136\">199 </span><span class=\"S2DE3 S266A S2\" id=\"td0_136\">11,166 </span><span class=\"S2DE4 S2669 S2\" id=\"td1_136\">11,365 </span><span class=\"S2DE5 S266A S2\" id=\"td2_136\">non-interest-bearing </span><span class=\"S2DE6 S266A S2\" id=\"td3_136\">- </span><span class=\"S2DE7 S266A S2\" id=\"td4_136\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_136\">- </span><span class=\"S2DE9 S266A S2\" id=\"td6_136\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_136\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_136\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_136\">- </span><span class=\"S2DED S266A S2\" id=\"tda_136\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_136\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_136\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_136\">93,577 </span><span class=\"S2DF1 S266A S2\" id=\"tde_136\">136,913 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_136\">93,577 </span><span class=\"S2DF3 S266A S2\" id=\"tdg_136\">136,913 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_136\">230,490 </span><span class=\"S2AC1 SB S2\" id=\"t5_137\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_137\">As at 31 December 2022 [continued] </span><span class=\"S2DF6 S2669 S2\" id=\"t7_137\">LIABILITIES </span><span class=\"S2DF7 S2669 S2\" id=\"t8_137\">Within 1 month </span><span class=\"S2DF8 S2669 S2\" id=\"t9_137\">Over 1 month and </span><span class=\"S2DF9 S2669 S2\" id=\"ta_137\">Within 3 months </span><span class=\"S2DFA S2669 S2\" id=\"tb_137\">Over 3 months and </span><span class=\"S2DFB S2669 S2\" id=\"tc_137\">Within 12 months </span><span class=\"S2DFC S2669 S2\" id=\"td_137\">Over 1 year and </span><span class=\"S2DFD S2669 S2\" id=\"te_137\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_137\">Over 2 years </span><span class=\"S2DFF S2669 S2\" id=\"tg_137\">Non-interest- </span><span class=\"S2E00 S2669 S2\" id=\"th_137\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_137\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_137\">Total </span><span class=\"S2E01 S2669 S2\" id=\"tk_137\">HUF </span><span class=\"S2E02 S2669 S2\" id=\"tl_137\">Currency </span><span class=\"S2E03 S2669 S2\" id=\"tm_137\">HUF </span><span class=\"S2E04 S2669 S2\" id=\"tn_137\">Currency </span><span class=\"S2E05 S2669 S2\" id=\"to_137\">HUF </span><span class=\"S2E06 S2669 S2\" id=\"tp_137\">Currency </span><span class=\"S2E07 S2669 S2\" id=\"tq_137\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_137\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_137\">HUF </span><span class=\"S2E0A S2669 S2\" id=\"tt_137\">Currency </span><span class=\"S2E0B S2669 S2\" id=\"tu_137\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_137\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_137\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_137\">Currency </span><span class=\"S2E0C S2669 S2\" id=\"ty_137\">Amounts due to banks, the Hungarian </span><span class=\"S2E0D S2669 S2\" id=\"tz_137\">Government, deposits </span><span class=\"S2E0E S2669 S2\" id=\"t10_137\">from the National Bank of Hungary and </span><span class=\"S2E0F S2669 S2\" id=\"t11_137\">other banks </span><span class=\"S2E10 S2669 S2\" id=\"t12_137\">17,358 </span><span class=\"S2E11 S2669 S2\" id=\"t13_137\">187,834 </span><span class=\"S2E12 S2669 S2\" id=\"t14_137\">27,239 </span><span class=\"S2E13 S2669 S2\" id=\"t15_137\">55,363 </span><span class=\"S2E14 S2669 S2\" id=\"t16_137\">109,518 </span><span class=\"S2E15 S2669 S2\" id=\"t17_137\">80,566 </span><span class=\"S2E16 S2669 S2\" id=\"t18_137\">71,613 </span><span class=\"S2E17 S2669 S2\" id=\"t19_137\">5,187 </span><span class=\"S2E18 S2669 S2\" id=\"t1a_137\">751,109 </span><span class=\"S2E19 S2669 S2\" id=\"t1b_137\">42,918 </span><span class=\"S2E1A S2669 S2\" id=\"t1c_137\">81,757 </span><span class=\"S2E1B S2669 S2\" id=\"t1d_137\">32,696 </span><span class=\"S2E1C S2669 S2\" id=\"t1e_137\">1,058,594 </span><span class=\"S2E1D S2669 S2\" id=\"t1f_137\">404,564 </span><span class=\"S2AFF S2669 S2\" id=\"t1g_137\">1,463,158 </span><span class=\"S2E1E S266A S2\" id=\"t1h_137\">fixed rate </span><span class=\"S2E1F S266A S2\" id=\"t1i_137\">12,847 </span><span class=\"S2E20 S266A S2\" id=\"t1j_137\">62,086 </span><span class=\"S2E21 S266A S2\" id=\"t1k_137\">27,239 </span><span class=\"S2E22 S266A S2\" id=\"t1l_137\">5,079 </span><span class=\"S2E23 S266A S2\" id=\"t1m_137\">109,518 </span><span class=\"S2E24 S266A S2\" id=\"t1n_137\">70,661 </span><span class=\"S2E25 S266A S2\" id=\"t1o_137\">71,613 </span><span class=\"S2E26 S266A S2\" id=\"t1p_137\">5,182 </span><span class=\"S2E27 S266A S2\" id=\"t1q_137\">751,109 </span><span class=\"S2E28 S266A S2\" id=\"t1r_137\">42,913 </span><span class=\"S2E29 S266A S2\" id=\"t1s_137\">- </span><span class=\"S2E2A S266A S2\" id=\"t1t_137\">- </span><span class=\"S2E2B S266A S2\" id=\"t1u_137\">972,326 </span><span class=\"S2E2C S266A S2\" id=\"t1v_137\">185,921 </span><span class=\"S2E2D S2669 S2\" id=\"t1w_137\">1,158,247 </span><span class=\"S2E2E S266A S2\" id=\"t1x_137\">variable rate </span><span class=\"S2E2F S266A S2\" id=\"t1y_137\">4,511 </span><span class=\"S2E30 S266A S2\" id=\"t1z_137\">125,748 </span><span class=\"S2E31 S266A S2\" id=\"t20_137\">- </span><span class=\"S2E32 S266A S2\" id=\"t21_137\">50,284 </span><span class=\"S2E33 S266A S2\" id=\"t22_137\">- </span><span class=\"S2E34 S266A S2\" id=\"t23_137\">9,905 </span><span class=\"S2E35 S266A S2\" id=\"t24_137\">- </span><span class=\"S2E36 S266A S2\" id=\"t25_137\">5 </span><span class=\"S2E37 S266A S2\" id=\"t26_137\">- </span><span class=\"S2E38 S266A S2\" id=\"t27_137\">5 </span><span class=\"S2C87 S266A S2\" id=\"t28_137\">- </span><span class=\"S2C88 S266A S2\" id=\"t29_137\">- </span><span class=\"S2E39 S266A S2\" id=\"t2a_137\">4,511 </span><span class=\"S2E3A S266A S2\" id=\"t2b_137\">185,947 </span><span class=\"S2E3B S2669 S2\" id=\"t2c_137\">190,458 </span><span class=\"S2E3C S266A S2\" id=\"t2d_137\">non-interest-bearing </span><span class=\"S2E3D S266A S2\" id=\"t2e_137\">- </span><span class=\"S2E3E S266A S2\" id=\"t2f_137\">- </span><span class=\"S2E3F S266A S2\" id=\"t2g_137\">- </span><span class=\"S2E40 S266A S2\" id=\"t2h_137\">- </span><span class=\"S2E41 S266A S2\" id=\"t2i_137\">- </span><span class=\"S2E42 S266A S2\" id=\"t2j_137\">- </span><span class=\"S2E43 S266A S2\" id=\"t2k_137\">- </span><span class=\"S2E44 S266A S2\" id=\"t2l_137\">- </span><span class=\"S2E45 S266A S2\" id=\"t2m_137\">- </span><span class=\"S2E46 S266A S2\" id=\"t2n_137\">- </span><span class=\"S2E47 S266A S2\" id=\"t2o_137\">81,757 </span><span class=\"S2E48 S266A S2\" id=\"t2p_137\">32,696 </span><span class=\"S2E49 S266A S2\" id=\"t2q_137\">81,757 </span><span class=\"S2E4A S266A S2\" id=\"t2r_137\">32,696 </span><span class=\"S2E4B S2669 S2\" id=\"t2s_137\">114,453 </span><span class=\"S2E4C S2669 S2\" id=\"t2t_137\">Repo liabilities </span><span class=\"S2E4D S2669 S2\" id=\"t2u_137\">29,145 </span><span class=\"S2E4E S2669 S2\" id=\"t2v_137\">188,121 </span><span class=\"S2E4F S2669 S2\" id=\"t2w_137\">98 </span><span class=\"S2E50 S2669 S2\" id=\"t2x_137\">5 </span><span class=\"S2E51 S2669 S2\" id=\"t2y_137\">- </span><span class=\"S2E52 S2669 S2\" id=\"t2z_137\">- </span><span class=\"S2E53 S2669 S2\" id=\"t30_137\">- </span><span class=\"S2E54 S2669 S2\" id=\"t31_137\">- </span><span class=\"S2E55 S2669 S2\" id=\"t32_137\">- </span><span class=\"S2E56 S2669 S2\" id=\"t33_137\">- </span><span class=\"S2CA5 S2669 S2\" id=\"t34_137\">- </span><span class=\"S2CA6 S2669 S2\" id=\"t35_137\">- </span><span class=\"S2CA7 S2669 S2\" id=\"t36_137\">29,243 </span><span class=\"S2E57 S2669 S2\" id=\"t37_137\">188,126 </span><span class=\"S2B3F S2669 S2\" id=\"t38_137\">217,369 </span><span class=\"S2E58 S266A S2\" id=\"t39_137\">fixed rate </span><span class=\"S2E59 S266A S2\" id=\"t3a_137\">29,143 </span><span class=\"S2E5A S266A S2\" id=\"t3b_137\">5 </span><span class=\"S2E5B S266A S2\" id=\"t3c_137\">98 </span><span class=\"S2E5C S266A S2\" id=\"t3d_137\">5 </span><span class=\"S2E5D S266A S2\" id=\"t3e_137\">- </span><span class=\"S2E5E S266A S2\" id=\"t3f_137\">- </span><span class=\"S2E5F S266A S2\" id=\"t3g_137\">- </span><span class=\"S2E60 S266A S2\" id=\"t3h_137\">- </span><span class=\"S2E61 S266A S2\" id=\"t3i_137\">- </span><span class=\"S2E62 S266A S2\" id=\"t3j_137\">- </span><span class=\"S2CB5 S266A S2\" id=\"t3k_137\">- </span><span class=\"S2CB6 S266A S2\" id=\"t3l_137\">- </span><span class=\"S2E63 S266A S2\" id=\"t3m_137\">29,241 </span><span class=\"S2E64 S266A S2\" id=\"t3n_137\">10 </span><span class=\"S2E65 S2669 S2\" id=\"t3o_137\">29,251 </span><span class=\"S2E66 S266A S2\" id=\"t3p_137\">variable rate </span><span class=\"S2E67 S266A S2\" id=\"t3q_137\">2 </span><span class=\"S2E68 S266A S2\" id=\"t3r_137\">188,116 </span><span class=\"S2E69 S266A S2\" id=\"t3s_137\">- </span><span class=\"S2E6A S266A S2\" id=\"t3t_137\">- </span><span class=\"S2E6B S266A S2\" id=\"t3u_137\">- </span><span class=\"S2E6C S266A S2\" id=\"t3v_137\">- </span><span class=\"S2E6D S266A S2\" id=\"t3w_137\">- </span><span class=\"S2E6E S266A S2\" id=\"t3x_137\">- </span><span class=\"S2E6F S266A S2\" id=\"t3y_137\">- </span><span class=\"S2E70 S266A S2\" id=\"t3z_137\">- </span><span class=\"S2E71 S266A S2\" id=\"t40_137\">- </span><span class=\"S2E72 S266A S2\" id=\"t41_137\">- </span><span class=\"S2E73 S266A S2\" id=\"t42_137\">2 </span><span class=\"S2E74 S266A S2\" id=\"t43_137\">188,116 </span><span class=\"S2B5E S2669 S2\" id=\"t44_137\">188,118 </span><span class=\"S2E75 S266A S2\" id=\"t45_137\">non-interest-bearing </span><span class=\"S2E76 S266A S2\" id=\"t46_137\">- </span><span class=\"S2E77 S266A S2\" id=\"t47_137\">- </span><span class=\"S2E78 S266A S2\" id=\"t48_137\">- </span><span class=\"S2E79 S266A S2\" id=\"t49_137\">- </span><span class=\"S2E7A S266A S2\" id=\"t4a_137\">- </span><span class=\"S2E7B S266A S2\" id=\"t4b_137\">- </span><span class=\"S2E7C S266A S2\" id=\"t4c_137\">- </span><span class=\"S2E7D S266A S2\" id=\"t4d_137\">- </span><span class=\"S2E7E S266A S2\" id=\"t4e_137\">- </span><span class=\"S2E7F S266A S2\" id=\"t4f_137\">- </span><span class=\"S2E80 S266A S2\" id=\"t4g_137\">- </span><span class=\"S2E81 S266A S2\" id=\"t4h_137\">- </span><span class=\"S2E82 S266A S2\" id=\"t4i_137\">- </span><span class=\"S2E83 S266A S2\" id=\"t4j_137\">- </span><span class=\"S2E84 S2669 S2\" id=\"t4k_137\">- </span><span class=\"S2E85 S2669 S2\" id=\"t4l_137\">Financial liabilities designated at fair value </span><span class=\"S2E86 S2669 S2\" id=\"t4m_137\">through profit or loss </span><span class=\"S2E87 S2669 S2\" id=\"t4n_137\">16,575 </span><span class=\"S2E88 S2669 S2\" id=\"t4o_137\">- </span><span class=\"S2E89 S2669 S2\" id=\"t4p_137\">- </span><span class=\"S2E8A S2669 S2\" id=\"t4q_137\">- </span><span class=\"S2E8B S2669 S2\" id=\"t4r_137\">- </span><span class=\"S2E8C S2669 S2\" id=\"t4s_137\">- </span><span class=\"S2E8D S2669 S2\" id=\"t4t_137\">- </span><span class=\"S2E8E S2669 S2\" id=\"t4u_137\">- </span><span class=\"S2E8F S2669 S2\" id=\"t4v_137\">- </span><span class=\"S2E90 S2669 S2\" id=\"t4w_137\">- </span><span class=\"S2E91 S2669 S2\" id=\"t4x_137\">37,616 </span><span class=\"S2CE5 S2669 S2\" id=\"t4y_137\">- </span><span class=\"S2E92 S2669 S2\" id=\"t4z_137\">54,191 </span><span class=\"S2E93 S2669 S2\" id=\"t50_137\">- </span><span class=\"S2E94 S2669 S2\" id=\"t51_137\">54,191 </span><span class=\"S2E95 S266A S2\" id=\"t52_137\">fixed rate </span><span class=\"S2E96 S266A S2\" id=\"t53_137\">26 </span><span class=\"S2E97 S266A S2\" id=\"t54_137\">- </span><span class=\"S2E98 S266A S2\" id=\"t55_137\">- </span><span class=\"S2E99 S266A S2\" id=\"t56_137\">- </span><span class=\"S2E9A S266A S2\" id=\"t57_137\">- </span><span class=\"S2E9B S266A S2\" id=\"t58_137\">- </span><span class=\"S2E9C S266A S2\" id=\"t59_137\">- </span><span class=\"S2E9D S266A S2\" id=\"t5a_137\">- </span><span class=\"S2E9E S266A S2\" id=\"t5b_137\">- </span><span class=\"S2E9F S266A S2\" id=\"t5c_137\">- </span><span class=\"S2EA0 S266A S2\" id=\"t5d_137\">- </span><span class=\"S2EA1 S266A S2\" id=\"t5e_137\">- </span><span class=\"S2EA2 S266A S2\" id=\"t5f_137\">26 </span><span class=\"S2EA3 S266A S2\" id=\"t5g_137\">- </span><span class=\"S2EA4 S2669 S2\" id=\"t5h_137\">26 </span><span class=\"S2EA5 S266A S2\" id=\"t5i_137\">variable rate </span><span class=\"S2EA6 S266A S2\" id=\"t5j_137\">16,549 </span><span class=\"S2EA7 S266A S2\" id=\"t5k_137\">- </span><span class=\"S2EA8 S266A S2\" id=\"t5l_137\">- </span><span class=\"S2EA9 S266A S2\" id=\"t5m_137\">- </span><span class=\"S2EAA S266A S2\" id=\"t5n_137\">- </span><span class=\"S2EAB S266A S2\" id=\"t5o_137\">- </span><span class=\"S2EAC S266A S2\" id=\"t5p_137\">- </span><span class=\"S2EAD S266A S2\" id=\"t5q_137\">- </span><span class=\"S2EAE S266A S2\" id=\"t5r_137\">- </span><span class=\"S2EAF S266A S2\" id=\"t5s_137\">- </span><span class=\"S2EB0 S266A S2\" id=\"t5t_137\">- </span><span class=\"S2EB1 S266A S2\" id=\"t5u_137\">- </span><span class=\"S2EB2 S266A S2\" id=\"t5v_137\">16,549 </span><span class=\"S2EB3 S266A S2\" id=\"t5w_137\">- </span><span class=\"S2EB4 S2669 S2\" id=\"t5x_137\">16,549 </span><span class=\"S2EB5 S266A S2\" id=\"t5y_137\">non-interest-bearing </span><span class=\"S2EB6 S266A S2\" id=\"t5z_137\">- </span><span class=\"S2EB7 S266A S2\" id=\"t60_137\">- </span><span class=\"S2EB8 S266A S2\" id=\"t61_137\">- </span><span class=\"S2EB9 S266A S2\" id=\"t62_137\">- </span><span class=\"S2EBA S266A S2\" id=\"t63_137\">- </span><span class=\"S2EBB S266A S2\" id=\"t64_137\">- </span><span class=\"S2EBC S266A S2\" id=\"t65_137\">- </span><span class=\"S2EBD S266A S2\" id=\"t66_137\">- </span><span class=\"S2EBE S266A S2\" id=\"t67_137\">- </span><span class=\"S2EBF S266A S2\" id=\"t68_137\">- </span><span class=\"S2EC0 S266A S2\" id=\"t69_137\">37,616 </span><span class=\"S2D14 S266A S2\" id=\"t6a_137\">- </span><span class=\"S2EC1 S266A S2\" id=\"t6b_137\">37,616 </span><span class=\"S2EC2 S266A S2\" id=\"t6c_137\">- </span><span class=\"S2EC3 S2669 S2\" id=\"t6d_137\">37,616 </span><span class=\"S2EC4 S2669 S2\" id=\"t6e_137\">Deposits from customers </span><span class=\"S2EC5 S2669 S2\" id=\"t6f_137\">7,466,580 </span><span class=\"S2EC6 S2669 S2\" id=\"t6g_137\">13,217,695 </span><span class=\"S2EC7 S2669 S2\" id=\"t6h_137\">292,239 </span><span class=\"S2EC8 S2669 S2\" id=\"t6i_137\">1,746,958 </span><span class=\"S2EC9 S2669 S2\" id=\"t6j_137\">153,147 </span><span class=\"S2ECA S2669 S2\" id=\"t6k_137\">869,141 </span><span class=\"S2ECB S2669 S2\" id=\"t6l_137\">37,952 </span><span class=\"S2ECC S2669 S2\" id=\"t6m_137\">154,101 </span><span class=\"S2ECD S2669 S2\" id=\"t6n_137\">220,222 </span><span class=\"S2ECE S2669 S2\" id=\"t6o_137\">189,032 </span><span class=\"S2ECF S2669 S2\" id=\"t6p_137\">14,525 </span><span class=\"S2ED0 S2669 S2\" id=\"t6q_137\">827,213 </span><span class=\"S2ED1 S2669 S2\" id=\"t6r_137\">8,184,665 </span><span class=\"S2ED2 S2669 S2\" id=\"t6s_137\">17,004,140 </span><span class=\"S2ED3 S2669 S2\" id=\"t6t_137\">25,188,805 </span><span class=\"S2ED4 S266A S2\" id=\"t6u_137\">fixed rate </span><span class=\"S2ED5 S266A S2\" id=\"t6v_137\">1,097,639 </span><span class=\"S2ED6 S266A S2\" id=\"t6w_137\">6,265,835 </span><span class=\"S2ED7 S266A S2\" id=\"t6x_137\">292,239 </span><span class=\"S2ED8 S266A S2\" id=\"t6y_137\">1,746,958 </span><span class=\"S2ED9 S266A S2\" id=\"t6z_137\">153,147 </span><span class=\"S2EDA S266A S2\" id=\"t70_137\">869,141 </span><span class=\"S2EDB S266A S2\" id=\"t71_137\">37,952 </span><span class=\"S2EDC S266A S2\" id=\"t72_137\">151,009 </span><span class=\"S2EDD S266A S2\" id=\"t73_137\">220,222 </span><span class=\"S2EDE S266A S2\" id=\"t74_137\">189,032 </span><span class=\"S2EDF S266A S2\" id=\"t75_137\">- </span><span class=\"S2EE0 S266A S2\" id=\"t76_137\">- </span><span class=\"S2EE1 S266A S2\" id=\"t77_137\">1,801,199 </span><span class=\"S2EE2 S266A S2\" id=\"t78_137\">9,221,975 </span><span class=\"S2EE3 S2669 S2\" id=\"t79_137\">11,023,174 </span><span class=\"S2EE4 S266A S2\" id=\"t7a_137\">variable rate </span><span class=\"S2EE5 S266A S2\" id=\"t7b_137\">6,368,941 </span><span class=\"S2EE6 S266A S2\" id=\"t7c_137\">6,951,860 </span><span class=\"S2EE7 S266A S2\" id=\"t7d_137\">- </span><span class=\"S2EE8 S266A S2\" id=\"t7e_137\">- </span><span class=\"S2EE9 S266A S2\" id=\"t7f_137\">- </span><span class=\"S2EEA S266A S2\" id=\"t7g_137\">- </span><span class=\"S2EEB S266A S2\" id=\"t7h_137\">- </span><span class=\"S2EEC S266A S2\" id=\"t7i_137\">3,092 </span><span class=\"S2EED S266A S2\" id=\"t7j_137\">- </span><span class=\"S2EEE S266A S2\" id=\"t7k_137\">- </span><span class=\"S2EEF S266A S2\" id=\"t7l_137\">- </span><span class=\"S2EF0 S266A S2\" id=\"t7m_137\">- </span><span class=\"S2EF1 S266A S2\" id=\"t7n_137\">6,368,941 </span><span class=\"S2EF2 S266A S2\" id=\"t7o_137\">6,954,952 </span><span class=\"S2EF3 S2669 S2\" id=\"t7p_137\">13,323,893 </span><span class=\"S2EF4 S266A S2\" id=\"t7q_137\">non-interest-bearing </span><span class=\"S2EF5 S266A S2\" id=\"t7r_137\">- </span><span class=\"S2EF6 S266A S2\" id=\"t7s_137\">- </span><span class=\"S2EF7 S266A S2\" id=\"t7t_137\">- </span><span class=\"S2EF8 S266A S2\" id=\"t7u_137\">- </span><span class=\"S2EF9 S266A S2\" id=\"t7v_137\">- </span><span class=\"S2EFA S266A S2\" id=\"t7w_137\">- </span><span class=\"S2EFB S266A S2\" id=\"t7x_137\">- </span><span class=\"S2EFC S266A S2\" id=\"t7y_137\">- </span><span class=\"S2EFD S266A S2\" id=\"t7z_137\">- </span><span class=\"S2EFE S266A S2\" id=\"t80_137\">- </span><span class=\"S2EFF S266A S2\" id=\"t81_137\">14,525 </span><span class=\"S2F00 S266A S2\" id=\"t82_137\">827,213 </span><span class=\"S2F01 S266A S2\" id=\"t83_137\">14,525 </span><span class=\"S2F02 S266A S2\" id=\"t84_137\">827,213 </span><span class=\"S2F03 S2669 S2\" id=\"t85_137\">841,738 </span><span class=\"S2F04 S2669 S2\" id=\"t86_137\">Liabilities from issued securities </span><span class=\"S2F05 S2669 S2\" id=\"t87_137\">1,878 </span><span class=\"S2F06 S2669 S2\" id=\"t88_137\">- </span><span class=\"S2F07 S2669 S2\" id=\"t89_137\">1,215 </span><span class=\"S2F08 S2669 S2\" id=\"t8a_137\">18 </span><span class=\"S2F09 S2669 S2\" id=\"t8b_137\">194,515 </span><span class=\"S2F0A S2669 S2\" id=\"t8c_137\">41 </span><span class=\"S2F0B S2669 S2\" id=\"t8d_137\">79,497 </span><span class=\"S2F0C S2669 S2\" id=\"t8e_137\">- </span><span class=\"S2F0D S2669 S2\" id=\"t8f_137\">145,295 </span><span class=\"S2F0E S2669 S2\" id=\"t8g_137\">448,205 </span><span class=\"S2D50 S2669 S2\" id=\"t8h_137\">- </span><span class=\"S2F0F S2669 S2\" id=\"t8i_137\">18 </span><span class=\"S2F10 S2669 S2\" id=\"t8j_137\">422,400 </span><span class=\"S2F11 S2669 S2\" id=\"t8k_137\">448,282 </span><span class=\"S2F12 S2669 S2\" id=\"t8l_137\">870,682 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_137\">fixed rate </span><span class=\"S2F13 S266A S2\" id=\"t8n_137\">211 </span><span class=\"S2F14 S266A S2\" id=\"t8o_137\">- </span><span class=\"S2F15 S266A S2\" id=\"t8p_137\">- </span><span class=\"S2F16 S266A S2\" id=\"t8q_137\">18 </span><span class=\"S2F17 S266A S2\" id=\"t8r_137\">44,390 </span><span class=\"S2F18 S266A S2\" id=\"t8s_137\">41 </span><span class=\"S2F19 S266A S2\" id=\"t8t_137\">79,497 </span><span class=\"S2F1A S266A S2\" id=\"t8u_137\">- </span><span class=\"S2F1B S266A S2\" id=\"t8v_137\">145,295 </span><span class=\"S2F1C S266A S2\" id=\"t8w_137\">448,205 </span><span class=\"S2D60 S266A S2\" id=\"t8x_137\">- </span><span class=\"S2D61 S266A S2\" id=\"t8y_137\">- </span><span class=\"S2F1D S266A S2\" id=\"t8z_137\">269,393 </span><span class=\"S2F1E S266A S2\" id=\"t90_137\">448,264 </span><span class=\"S2F1F S2669 S2\" id=\"t91_137\">717,657 </span><span class=\"S2C01 S266A S2\" id=\"t92_137\">variable rate </span><span class=\"S2F20 S266A S2\" id=\"t93_137\">1,667 </span><span class=\"S2F21 S266A S2\" id=\"t94_137\">- </span><span class=\"S2F22 S266A S2\" id=\"t95_137\">1,215 </span><span class=\"S2F23 S266A S2\" id=\"t96_137\">- </span><span class=\"S2F24 S266A S2\" id=\"t97_137\">150,125 </span><span class=\"S2F25 S266A S2\" id=\"t98_137\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_137\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_137\">- </span><span class=\"S2F28 S266A S2\" id=\"t9b_137\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_137\">- </span><span class=\"S2D70 S266A S2\" id=\"t9d_137\">- </span><span class=\"S2D71 S266A S2\" id=\"t9e_137\">- </span><span class=\"S2F2A S266A S2\" id=\"t9f_137\">153,007 </span><span class=\"S2D73 S266A S2\" id=\"t9g_137\">- </span><span class=\"S2F2B S2669 S2\" id=\"t9h_137\">153,007 </span><span class=\"S2C11 S266A S2\" id=\"t9i_137\">non-interest-bearing </span><span class=\"S2F2C S266A S2\" id=\"t9j_137\">- </span><span class=\"S2F2D S266A S2\" id=\"t9k_137\">- </span><span class=\"S2F2E S266A S2\" id=\"t9l_137\">- </span><span class=\"S2F2F S266A S2\" id=\"t9m_137\">- </span><span class=\"S2F30 S266A S2\" id=\"t9n_137\">- </span><span class=\"S2F31 S266A S2\" id=\"t9o_137\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_137\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_137\">- </span><span class=\"S2F34 S266A S2\" id=\"t9r_137\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_137\">- </span><span class=\"S2F36 S266A S2\" id=\"t9t_137\">- </span><span class=\"S2F37 S266A S2\" id=\"t9u_137\">18 </span><span class=\"S2F38 S266A S2\" id=\"t9v_137\">- </span><span class=\"S2F39 S266A S2\" id=\"t9w_137\">18 </span><span class=\"S2F3A S2669 S2\" id=\"t9x_137\">18 </span><span class=\"S2AC1 SB S2\" id=\"t5_138\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_138\">As at 31 December 2022 [continued] </span><span class=\"S2F3B S2669 S2\" id=\"t7_138\">LIABILITIES [continued] </span><span class=\"S2F3C S2669 S2\" id=\"t8_138\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_138\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_138\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_138\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_138\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_138\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_138\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_138\">Over 2 years </span><span class=\"S2F3D S2669 S2\" id=\"tg_138\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_138\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_138\">Total </span><span class=\"S2F3F S2669 S2\" id=\"tj_138\">HUF </span><span class=\"S2F40 S2669 S2\" id=\"tk_138\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tl_138\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_138\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_138\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_138\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_138\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_138\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"tr_138\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_138\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_138\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_138\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_138\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_138\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_138\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_138\">financial instruments </span><span class=\"S2F47 S2669 S2\" id=\"tz_138\">2,868,787 </span><span class=\"S2F48 S2669 S2\" id=\"t10_138\">2,091,600 </span><span class=\"S2F49 S2669 S2\" id=\"t11_138\">478,930 </span><span class=\"S2F4A S2669 S2\" id=\"t12_138\">1,824,450 </span><span class=\"S2C42 S2669 S2\" id=\"t13_138\">577,862 </span><span class=\"S2F4B S2669 S2\" id=\"t14_138\">556,209 </span><span class=\"S2C44 S2669 S2\" id=\"t15_138\">22,780 </span><span class=\"S2F4C S2669 S2\" id=\"t16_138\">36,714 </span><span class=\"S2F4D S2669 S2\" id=\"t17_138\">118,071 </span><span class=\"S2C47 S2669 S2\" id=\"t18_138\">113,968 </span><span class=\"S2F4E S2669 S2\" id=\"t19_138\">246,135 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_138\">529,820 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_138\">4,312,565 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_138\">5,152,761 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_138\">9,465,326 </span><span class=\"S2C4D S266A S2\" id=\"t1e_138\">fixed rate </span><span class=\"S2F52 S266A S2\" id=\"t1f_138\">2,783,756 </span><span class=\"S2F53 S266A S2\" id=\"t1g_138\">1,945,423 </span><span class=\"S2F54 S266A S2\" id=\"t1h_138\">331,253 </span><span class=\"S2F55 S266A S2\" id=\"t1i_138\">972,676 </span><span class=\"S2C52 S266A S2\" id=\"t1j_138\">218,514 </span><span class=\"S2F56 S266A S2\" id=\"t1k_138\">531,863 </span><span class=\"S2C54 S266A S2\" id=\"t1l_138\">22,758 </span><span class=\"S2F57 S266A S2\" id=\"t1m_138\">36,714 </span><span class=\"S2F58 S266A S2\" id=\"t1n_138\">118,071 </span><span class=\"S2C57 S266A S2\" id=\"t1o_138\">113,968 </span><span class=\"S2F59 S266A S2\" id=\"t1p_138\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_138\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_138\">3,474,352 </span><span class=\"S2F5C S266A S2\" id=\"t1s_138\">3,600,644 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_138\">7,074,996 </span><span class=\"S2C5C S266A S2\" id=\"t1u_138\">variable rate </span><span class=\"S2F5D S266A S2\" id=\"t1v_138\">85,031 </span><span class=\"S2F5E S266A S2\" id=\"t1w_138\">146,177 </span><span class=\"S2F5F S266A S2\" id=\"t1x_138\">147,677 </span><span class=\"S2F60 S266A S2\" id=\"t1y_138\">851,774 </span><span class=\"S2F61 S266A S2\" id=\"t1z_138\">359,348 </span><span class=\"S2F62 S266A S2\" id=\"t20_138\">24,346 </span><span class=\"S2F63 S266A S2\" id=\"t21_138\">22 </span><span class=\"S2F64 S266A S2\" id=\"t22_138\">- </span><span class=\"S2C65 S266A S2\" id=\"t23_138\">- </span><span class=\"S2C66 S266A S2\" id=\"t24_138\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_138\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_138\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_138\">592,078 </span><span class=\"S2F68 S266A S2\" id=\"t28_138\">1,022,297 </span><span class=\"S2AFF S2669 S2\" id=\"t29_138\">1,614,375 </span><span class=\"S2C6C S266A S2\" id=\"t2a_138\">non-interest-bearing </span><span class=\"S2F69 S266A S2\" id=\"t2b_138\">- </span><span class=\"S2C6E S266A S2\" id=\"t2c_138\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_138\">- </span><span class=\"S2C70 S266A S2\" id=\"t2e_138\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_138\">- </span><span class=\"S2C72 S266A S2\" id=\"t2g_138\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_138\">- </span><span class=\"S2C74 S266A S2\" id=\"t2i_138\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_138\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_138\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_138\">246,135 </span><span class=\"S2F6B S266A S2\" id=\"t2m_138\">529,820 </span><span class=\"S2F6C S266A S2\" id=\"t2n_138\">246,135 </span><span class=\"S2F6D S266A S2\" id=\"t2o_138\">529,820 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_138\">775,955 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_138\">Leasing liabilities </span><span class=\"S2F6F S2669 S2\" id=\"t2r_138\">2,005 </span><span class=\"S2F70 S2669 S2\" id=\"t2s_138\">9,146 </span><span class=\"S2F71 S2669 S2\" id=\"t2t_138\">2 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_138\">1,329 </span><span class=\"S2F73 S2669 S2\" id=\"t2v_138\">- </span><span class=\"S2F74 S2669 S2\" id=\"t2w_138\">5,384 </span><span class=\"S2F75 S2669 S2\" id=\"t2x_138\">4 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_138\">7,647 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_138\">1,277 </span><span class=\"S2F78 S2669 S2\" id=\"t30_138\">31,084 </span><span class=\"S2F79 S2669 S2\" id=\"t31_138\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_138\">5,900 </span><span class=\"S2F7B S2669 S2\" id=\"t33_138\">3,288 </span><span class=\"S2F7C S2669 S2\" id=\"t34_138\">60,490 </span><span class=\"S2F7D S2669 S2\" id=\"t35_138\">63,778 </span><span class=\"S2C8B S266A S2\" id=\"t36_138\">fixed rate </span><span class=\"S2F7E S266A S2\" id=\"t37_138\">1,905 </span><span class=\"S2F7F S266A S2\" id=\"t38_138\">8,686 </span><span class=\"S2F80 S266A S2\" id=\"t39_138\">1 </span><span class=\"S2F81 S266A S2\" id=\"t3a_138\">408 </span><span class=\"S2F82 S266A S2\" id=\"t3b_138\">- </span><span class=\"S2F83 S266A S2\" id=\"t3c_138\">2,197 </span><span class=\"S2F84 S266A S2\" id=\"t3d_138\">4 </span><span class=\"S2F85 S266A S2\" id=\"t3e_138\">2,541 </span><span class=\"S2F86 S266A S2\" id=\"t3f_138\">1,277 </span><span class=\"S2F87 S266A S2\" id=\"t3g_138\">17,244 </span><span class=\"S2F88 S266A S2\" id=\"t3h_138\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_138\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_138\">3,187 </span><span class=\"S2F8B S266A S2\" id=\"t3k_138\">31,076 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_138\">34,263 </span><span class=\"S2C9A S266A S2\" id=\"t3m_138\">variable rate </span><span class=\"S2F8D S266A S2\" id=\"t3n_138\">100 </span><span class=\"S2F8E S266A S2\" id=\"t3o_138\">460 </span><span class=\"S2F8F S266A S2\" id=\"t3p_138\">1 </span><span class=\"S2F90 S266A S2\" id=\"t3q_138\">921 </span><span class=\"S2C9F S266A S2\" id=\"t3r_138\">- </span><span class=\"S2F91 S266A S2\" id=\"t3s_138\">3,187 </span><span class=\"S2CA1 S266A S2\" id=\"t3t_138\">- </span><span class=\"S2F92 S266A S2\" id=\"t3u_138\">5,106 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_138\">- </span><span class=\"S2F93 S266A S2\" id=\"t3w_138\">13,840 </span><span class=\"S2F94 S266A S2\" id=\"t3x_138\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_138\">- </span><span class=\"S2F96 S266A S2\" id=\"t3z_138\">101 </span><span class=\"S2F97 S266A S2\" id=\"t40_138\">23,514 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_138\">23,615 </span><span class=\"S2CAA S266A S2\" id=\"t42_138\">non-interest-bearing </span><span class=\"S2F98 S266A S2\" id=\"t43_138\">- </span><span class=\"S2CAC S266A S2\" id=\"t44_138\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_138\">- </span><span class=\"S2CAE S266A S2\" id=\"t46_138\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_138\">- </span><span class=\"S2CB0 S266A S2\" id=\"t48_138\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_138\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4a_138\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_138\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_138\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_138\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_138\">5,900 </span><span class=\"S2F9B S266A S2\" id=\"t4f_138\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_138\">5,900 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_138\">5,900 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_138\">Other financial liabilities </span><span class=\"S2F9F S2669 S2\" id=\"t4j_138\">93,677 </span><span class=\"S2FA0 S2669 S2\" id=\"t4k_138\">36,041 </span><span class=\"S2FA1 S2669 S2\" id=\"t4l_138\">2,247 </span><span class=\"S2FA2 S2669 S2\" id=\"t4m_138\">1,735 </span><span class=\"S2FA3 S2669 S2\" id=\"t4n_138\">11 </span><span class=\"S2FA4 S2669 S2\" id=\"t4o_138\">6,706 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_138\">- </span><span class=\"S2FA6 S2669 S2\" id=\"t4q_138\">2,494 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_138\">- </span><span class=\"S2FA8 S2669 S2\" id=\"t4s_138\">2,408 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_138\">288,478 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_138\">211,855 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_138\">384,413 </span><span class=\"S2FAC S2669 S2\" id=\"t4w_138\">261,239 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_138\">645,652 </span><span class=\"S2FAD S266A S2\" id=\"t4y_138\">fixed rate </span><span class=\"S2FAE S266A S2\" id=\"t4z_138\">93,668 </span><span class=\"S2FAF S266A S2\" id=\"t50_138\">35,843 </span><span class=\"S2FB0 S266A S2\" id=\"t51_138\">1,748 </span><span class=\"S2FB1 S266A S2\" id=\"t52_138\">1,735 </span><span class=\"S2FB2 S266A S2\" id=\"t53_138\">7 </span><span class=\"S2FB3 S266A S2\" id=\"t54_138\">3,283 </span><span class=\"S2FB4 S266A S2\" id=\"t55_138\">- </span><span class=\"S2FB5 S266A S2\" id=\"t56_138\">2,401 </span><span class=\"S2FB6 S266A S2\" id=\"t57_138\">- </span><span class=\"S2FB7 S266A S2\" id=\"t58_138\">2,319 </span><span class=\"S2FB8 S266A S2\" id=\"t59_138\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_138\">- </span><span class=\"S2FBA S266A S2\" id=\"t5b_138\">95,423 </span><span class=\"S2FBB S266A S2\" id=\"t5c_138\">45,581 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_138\">141,004 </span><span class=\"S2FBD S266A S2\" id=\"t5e_138\">variable rate </span><span class=\"S2FBE S266A S2\" id=\"t5f_138\">9 </span><span class=\"S2FBF S266A S2\" id=\"t5g_138\">198 </span><span class=\"S2FC0 S266A S2\" id=\"t5h_138\">499 </span><span class=\"S2FC1 S266A S2\" id=\"t5i_138\">- </span><span class=\"S2FC2 S266A S2\" id=\"t5j_138\">4 </span><span class=\"S2FC3 S266A S2\" id=\"t5k_138\">3,423 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_138\">- </span><span class=\"S2FC5 S266A S2\" id=\"t5m_138\">93 </span><span class=\"S2FC6 S266A S2\" id=\"t5n_138\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_138\">89 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_138\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_138\">- </span><span class=\"S2FCA S266A S2\" id=\"t5r_138\">512 </span><span class=\"S2FCB S266A S2\" id=\"t5s_138\">3,803 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_138\">4,315 </span><span class=\"S2FCD S266A S2\" id=\"t5u_138\">non-interest-bearing </span><span class=\"S2FCE S266A S2\" id=\"t5v_138\">- </span><span class=\"S2FCF S266A S2\" id=\"t5w_138\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_138\">- </span><span class=\"S2FD1 S266A S2\" id=\"t5y_138\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_138\">- </span><span class=\"S2FD3 S266A S2\" id=\"t60_138\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_138\">- </span><span class=\"S2FD5 S266A S2\" id=\"t62_138\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_138\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_138\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_138\">288,478 </span><span class=\"S2FD9 S266A S2\" id=\"t66_138\">211,855 </span><span class=\"S2FDA S266A S2\" id=\"t67_138\">288,478 </span><span class=\"S2FDB S266A S2\" id=\"t68_138\">211,855 </span><span class=\"S2FDC S2669 S2\" id=\"t69_138\">500,333 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_138\">Subordinated bonds and loans </span><span class=\"S2FDE S2669 S2\" id=\"t6b_138\">- </span><span class=\"S2CEA S2669 S2\" id=\"t6c_138\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_138\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_138\">93,110 </span><span class=\"S2CED S2669 S2\" id=\"t6f_138\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_138\">201,076 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_138\">- </span><span class=\"S2CF0 S2669 S2\" id=\"t6i_138\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_138\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_138\">7,798 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_138\">- </span><span class=\"S2FE3 S2669 S2\" id=\"t6m_138\">- </span><span class=\"S2FE4 S2669 S2\" id=\"t6n_138\">- </span><span class=\"S2FE5 S2669 S2\" id=\"t6o_138\">301,984 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_138\">301,984 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_138\">fixed rate </span><span class=\"S2FE7 S266A S2\" id=\"t6r_138\">- </span><span class=\"S2FE8 S266A S2\" id=\"t6s_138\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_138\">- </span><span class=\"S2FEA S266A S2\" id=\"t6u_138\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_138\">- </span><span class=\"S2FEC S266A S2\" id=\"t6w_138\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_138\">- </span><span class=\"S2FEE S266A S2\" id=\"t6y_138\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_138\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_138\">7,798 </span><span class=\"S2FF1 S266A S2\" id=\"t71_138\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_138\">- </span><span class=\"S2FF3 S266A S2\" id=\"t73_138\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_138\">7,798 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_138\">7,798 </span><span class=\"S2FF6 S266A S2\" id=\"t76_138\">variable rate </span><span class=\"S2FF7 S266A S2\" id=\"t77_138\">- </span><span class=\"S2FF8 S266A S2\" id=\"t78_138\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_138\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_138\">93,110 </span><span class=\"S2FFB S266A S2\" id=\"t7b_138\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_138\">201,076 </span><span class=\"S2FFD S266A S2\" id=\"t7d_138\">- </span><span class=\"S2FFE S266A S2\" id=\"t7e_138\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_138\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_138\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_138\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_138\">- </span><span class=\"S3003 S266A S2\" id=\"t7j_138\">- </span><span class=\"S3004 S266A S2\" id=\"t7k_138\">294,186 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_138\">294,186 </span><span class=\"S3005 S266A S2\" id=\"t7m_138\">non-interest-bearing </span><span class=\"S3006 S266A S2\" id=\"t7n_138\">- </span><span class=\"S3007 S266A S2\" id=\"t7o_138\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_138\">- </span><span class=\"S3009 S266A S2\" id=\"t7q_138\">- </span><span class=\"S300A S266A S2\" id=\"t7r_138\">- </span><span class=\"S300B S266A S2\" id=\"t7s_138\">- </span><span class=\"S300C S266A S2\" id=\"t7t_138\">- </span><span class=\"S300D S266A S2\" id=\"t7u_138\">- </span><span class=\"S300E S266A S2\" id=\"t7v_138\">- </span><span class=\"S300F S266A S2\" id=\"t7w_138\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_138\">- </span><span class=\"S3011 S266A S2\" id=\"t7y_138\">- </span><span class=\"S3012 S266A S2\" id=\"t7z_138\">- </span><span class=\"S3013 S266A S2\" id=\"t80_138\">- </span><span class=\"S3014 S2669 S2\" id=\"t81_138\">- </span><span class=\"S3015 S2669 S2\" id=\"t82_138\">Net position </span><span class=\"S3016 S2669 S2\" id=\"t83_138\">(6,681,274) </span><span class=\"S3017 S2669 S2\" id=\"t84_138\">(3,560,594) </span><span class=\"S3018 S2669 S2\" id=\"t85_138\">2,506,895 </span><span class=\"S3019 S2669 S2\" id=\"t86_138\">785,846 </span><span class=\"S301A S2669 S2\" id=\"t87_138\">236,208 </span><span class=\"S301B S2669 S2\" id=\"t88_138\">825,677 </span><span class=\"S301C S2669 S2\" id=\"t89_138\">449,748 </span><span class=\"S301D S2669 S2\" id=\"t8a_138\">500,607 </span><span class=\"S301E S2669 S2\" id=\"t8b_138\">3,589,198 </span><span class=\"S301F S2669 S2\" id=\"t8c_138\">2,277,983 </span><span class=\"S3020 S2669 S2\" id=\"t8d_138\">(154,136) </span><span class=\"S3021 S2669 S2\" id=\"t8e_138\">1,637,790 </span><span class=\"S3022 S2669 S2\" id=\"t8f_138\">(53,361) </span><span class=\"S3023 S2669 S2\" id=\"t8g_138\">2,467,309 </span><span class=\"S3024 S2669 S2\" id=\"t8h_138\">2,413,948 </span><span class=\"S3025 SB S2\" id=\"t5_139\">37.4.  Interest rate risk management [continued] </span><span class=\"S2AC2 SB S2\" id=\"t6_139\">As at 31 December 2021 </span><span class=\"S3026 S2669 S2\" id=\"t7_139\">ASSETS </span><span class=\"S3027 S2669 S2\" id=\"t8_139\">Within 1 month </span><span class=\"S3028 S2669 S2\" id=\"t9_139\">Over 1 month and </span><span class=\"S3029 S2669 S2\" id=\"ta_139\">Within 3 months </span><span class=\"S302A S2669 S2\" id=\"tb_139\">Over 3 months and </span><span class=\"S2DFB S2669 S2\" id=\"tc_139\">Within 12 months </span><span class=\"S2DFC S2669 S2\" id=\"td_139\">Over 1 year and </span><span class=\"S2DFD S2669 S2\" id=\"te_139\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_139\">Over 2 years </span><span class=\"S302B S2669 S2\" id=\"tg_139\">Non-interest- </span><span class=\"S302C S2669 S2\" id=\"th_139\">bearing </span><span class=\"S302D S2669 S2\" id=\"ti_139\">Total </span><span class=\"S2ACF S2669 S2\" id=\"tj_139\">Total </span><span class=\"S302E S2669 S2\" id=\"tk_139\">HUF </span><span class=\"S302F S2669 S2\" id=\"tl_139\">Currency </span><span class=\"S3030 S2669 S2\" id=\"tm_139\">HUF </span><span class=\"S3031 S2669 S2\" id=\"tn_139\">Currency </span><span class=\"S3032 S2669 S2\" id=\"to_139\">HUF </span><span class=\"S2E06 S2669 S2\" id=\"tp_139\">Currency </span><span class=\"S2E07 S2669 S2\" id=\"tq_139\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_139\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_139\">HUF </span><span class=\"S3033 S2669 S2\" id=\"tt_139\">Currency </span><span class=\"S3034 S2669 S2\" id=\"tu_139\">HUF </span><span class=\"S3035 S2669 S2\" id=\"tv_139\">Currency </span><span class=\"S3036 S2669 S2\" id=\"tw_139\">HUF </span><span class=\"S2ADD S2669 S2\" id=\"tx_139\">Currency </span><span class=\"S2ADE S2669 S2\" id=\"ty_139\">Cash, amounts due from banks and balances </span><span class=\"S2ADF S2669 S2\" id=\"tz_139\">with the </span><span class=\"S2AE0 S2669 S2\" id=\"t10_139\">National Banks </span><span class=\"S3037 S2669 S2\" id=\"t11_139\">37,712 </span><span class=\"S3038 S2669 S2\" id=\"t12_139\">821,501 </span><span class=\"S3039 S2669 S2\" id=\"t13_139\">- </span><span class=\"S303A S2669 S2\" id=\"t14_139\">28,183 </span><span class=\"S303B S2669 S2\" id=\"t15_139\">- </span><span class=\"S303C S2669 S2\" id=\"t16_139\">12,391 </span><span class=\"S303D S2669 S2\" id=\"t17_139\">- </span><span class=\"S303E S2669 S2\" id=\"t18_139\">6,697 </span><span class=\"S303F S2669 S2\" id=\"t19_139\">- </span><span class=\"S3040 S2669 S2\" id=\"t1a_139\">12,423 </span><span class=\"S3041 S2669 S2\" id=\"t1b_139\">133,248 </span><span class=\"S3042 S2669 S2\" id=\"t1c_139\">1,503,880 </span><span class=\"S2AED S2669 S2\" id=\"t1d_139\">170,960 </span><span class=\"S2AEE S2669 S2\" id=\"t1e_139\">2,385,075 </span><span class=\"S2AEF S2669 S2\" id=\"t1f_139\">2,556,035 </span><span class=\"S2AF0 S266A S2\" id=\"t1g_139\">fixed rate </span><span class=\"S3043 S266A S2\" id=\"t1h_139\">36,376 </span><span class=\"S3044 S266A S2\" id=\"t1i_139\">661,318 </span><span class=\"S3045 S266A S2\" id=\"t1j_139\">- </span><span class=\"S3046 S266A S2\" id=\"t1k_139\">28,183 </span><span class=\"S3047 S266A S2\" id=\"t1l_139\">- </span><span class=\"S2E15 S266A S2\" id=\"t1m_139\">12,391 </span><span class=\"S3048 S266A S2\" id=\"t1n_139\">- </span><span class=\"S2E17 S266A S2\" id=\"t1o_139\">6,697 </span><span class=\"S3049 S266A S2\" id=\"t1p_139\">- </span><span class=\"S2E19 S266A S2\" id=\"t1q_139\">12,423 </span><span class=\"S304A S266A S2\" id=\"t1r_139\">- </span><span class=\"S304B S266A S2\" id=\"t1s_139\">- </span><span class=\"S304C S266A S2\" id=\"t1t_139\">36,376 </span><span class=\"S304D S266A S2\" id=\"t1u_139\">721,012 </span><span class=\"S304E S2669 S2\" id=\"t1v_139\">757,388 </span><span class=\"S2B00 S266A S2\" id=\"t1w_139\">variable rate </span><span class=\"S304F S266A S2\" id=\"t1x_139\">1,336 </span><span class=\"S3050 S266A S2\" id=\"t1y_139\">160,183 </span><span class=\"S3051 S266A S2\" id=\"t1z_139\">- </span><span class=\"S3052 S266A S2\" id=\"t20_139\">- </span><span class=\"S3053 S266A S2\" id=\"t21_139\">- </span><span class=\"S3054 S266A S2\" id=\"t22_139\">- </span><span class=\"S3055 S266A S2\" id=\"t23_139\">- </span><span class=\"S3056 S266A S2\" id=\"t24_139\">- </span><span class=\"S3057 S266A S2\" id=\"t25_139\">- </span><span class=\"S3058 S266A S2\" id=\"t26_139\">- </span><span class=\"S3059 S266A S2\" id=\"t27_139\">- </span><span class=\"S305A S266A S2\" id=\"t28_139\">- </span><span class=\"S305B S266A S2\" id=\"t29_139\">1,336 </span><span class=\"S2B0E S266A S2\" id=\"t2a_139\">160,183 </span><span class=\"S2B0F S2669 S2\" id=\"t2b_139\">161,519 </span><span class=\"S2B10 S266A S2\" id=\"t2c_139\">non-interest-bearing </span><span class=\"S305C S266A S2\" id=\"t2d_139\">- </span><span class=\"S305D S266A S2\" id=\"t2e_139\">- </span><span class=\"S305E S266A S2\" id=\"t2f_139\">- </span><span class=\"S305F S266A S2\" id=\"t2g_139\">- </span><span class=\"S2E33 S266A S2\" id=\"t2h_139\">- </span><span class=\"S3060 S266A S2\" id=\"t2i_139\">- </span><span class=\"S2E35 S266A S2\" id=\"t2j_139\">- </span><span class=\"S3061 S266A S2\" id=\"t2k_139\">- </span><span class=\"S3062 S266A S2\" id=\"t2l_139\">- </span><span class=\"S3063 S266A S2\" id=\"t2m_139\">- </span><span class=\"S3064 S266A S2\" id=\"t2n_139\">133,248 </span><span class=\"S3065 S266A S2\" id=\"t2o_139\">1,503,880 </span><span class=\"S2B1D S266A S2\" id=\"t2p_139\">133,248 </span><span class=\"S2B1E S266A S2\" id=\"t2q_139\">1,503,880 </span><span class=\"S2B1F S2669 S2\" id=\"t2r_139\">1,637,128 </span><span class=\"S3066 S2669 S2\" id=\"t2s_139\">Placements with other banks </span><span class=\"S3067 S2669 S2\" id=\"t2t_139\">435,888 </span><span class=\"S3068 S2669 S2\" id=\"t2u_139\">360,795 </span><span class=\"S3069 S2669 S2\" id=\"t2v_139\">67,304 </span><span class=\"S306A S2669 S2\" id=\"t2w_139\">109,822 </span><span class=\"S306B S2669 S2\" id=\"t2x_139\">30,509 </span><span class=\"S306C S2669 S2\" id=\"t2y_139\">50,770 </span><span class=\"S306D S2669 S2\" id=\"t2z_139\">49,632 </span><span class=\"S306E S2669 S2\" id=\"t30_139\">27,234 </span><span class=\"S306F S2669 S2\" id=\"t31_139\">405,437 </span><span class=\"S3070 S2669 S2\" id=\"t32_139\">17,202 </span><span class=\"S3071 S2669 S2\" id=\"t33_139\">24,415 </span><span class=\"S3072 S2669 S2\" id=\"t34_139\">5,853 </span><span class=\"S3073 S2669 S2\" id=\"t35_139\">1,013,185 </span><span class=\"S2B2E S2669 S2\" id=\"t36_139\">571,676 </span><span class=\"S2B2F S2669 S2\" id=\"t37_139\">1,584,861 </span><span class=\"S2B30 S266A S2\" id=\"t38_139\">fixed rate </span><span class=\"S3074 S266A S2\" id=\"t39_139\">271,734 </span><span class=\"S3075 S266A S2\" id=\"t3a_139\">134,382 </span><span class=\"S3076 S266A S2\" id=\"t3b_139\">449 </span><span class=\"S3077 S266A S2\" id=\"t3c_139\">96,918 </span><span class=\"S3078 S266A S2\" id=\"t3d_139\">1,007 </span><span class=\"S3079 S266A S2\" id=\"t3e_139\">50,238 </span><span class=\"S307A S266A S2\" id=\"t3f_139\">49,632 </span><span class=\"S307B S266A S2\" id=\"t3g_139\">27,234 </span><span class=\"S307C S266A S2\" id=\"t3h_139\">254,065 </span><span class=\"S307D S266A S2\" id=\"t3i_139\">17,202 </span><span class=\"S307E S266A S2\" id=\"t3j_139\">- </span><span class=\"S307F S266A S2\" id=\"t3k_139\">- </span><span class=\"S3080 S266A S2\" id=\"t3l_139\">576,887 </span><span class=\"S2B3E S266A S2\" id=\"t3m_139\">325,974 </span><span class=\"S2B3F S2669 S2\" id=\"t3n_139\">902,861 </span><span class=\"S2B40 S266A S2\" id=\"t3o_139\">variable rate </span><span class=\"S3081 S266A S2\" id=\"t3p_139\">164,154 </span><span class=\"S3082 S266A S2\" id=\"t3q_139\">226,413 </span><span class=\"S3083 S266A S2\" id=\"t3r_139\">66,855 </span><span class=\"S3084 S266A S2\" id=\"t3s_139\">12,904 </span><span class=\"S3085 S266A S2\" id=\"t3t_139\">29,502 </span><span class=\"S3086 S266A S2\" id=\"t3u_139\">532 </span><span class=\"S2E5F S266A S2\" id=\"t3v_139\">- </span><span class=\"S2E60 S266A S2\" id=\"t3w_139\">- </span><span class=\"S3087 S266A S2\" id=\"t3x_139\">151,372 </span><span class=\"S2E62 S266A S2\" id=\"t3y_139\">- </span><span class=\"S3088 S266A S2\" id=\"t3z_139\">- </span><span class=\"S3089 S266A S2\" id=\"t40_139\">- </span><span class=\"S2B4D S266A S2\" id=\"t41_139\">411,883 </span><span class=\"S2B4E S266A S2\" id=\"t42_139\">239,849 </span><span class=\"S2B4F S2669 S2\" id=\"t43_139\">651,732 </span><span class=\"S2B50 S266A S2\" id=\"t44_139\">non-interest-bearing </span><span class=\"S308A S266A S2\" id=\"t45_139\">- </span><span class=\"S308B S266A S2\" id=\"t46_139\">- </span><span class=\"S308C S266A S2\" id=\"t47_139\">- </span><span class=\"S308D S266A S2\" id=\"t48_139\">- </span><span class=\"S2E6B S266A S2\" id=\"t49_139\">- </span><span class=\"S2E6C S266A S2\" id=\"t4a_139\">- </span><span class=\"S2E6D S266A S2\" id=\"t4b_139\">- </span><span class=\"S2E6E S266A S2\" id=\"t4c_139\">- </span><span class=\"S308E S266A S2\" id=\"t4d_139\">- </span><span class=\"S2E70 S266A S2\" id=\"t4e_139\">- </span><span class=\"S308F S266A S2\" id=\"t4f_139\">24,415 </span><span class=\"S3090 S266A S2\" id=\"t4g_139\">5,853 </span><span class=\"S2B5C S266A S2\" id=\"t4h_139\">24,415 </span><span class=\"S3091 S266A S2\" id=\"t4i_139\">5,853 </span><span class=\"S3092 S2669 S2\" id=\"t4j_139\">30,268 </span><span class=\"S3093 S2669 S2\" id=\"t4k_139\">Repo receivables </span><span class=\"S3094 S2669 S2\" id=\"t4l_139\">33,638 </span><span class=\"S3095 S2669 S2\" id=\"t4m_139\">21,535 </span><span class=\"S3096 S2669 S2\" id=\"t4n_139\">- </span><span class=\"S3097 S2669 S2\" id=\"t4o_139\">5,828 </span><span class=\"S2E7A S2669 S2\" id=\"t4p_139\">- </span><span class=\"S2E7B S2669 S2\" id=\"t4q_139\">- </span><span class=\"S2E7C S2669 S2\" id=\"t4r_139\">- </span><span class=\"S2E7D S2669 S2\" id=\"t4s_139\">- </span><span class=\"S3098 S2669 S2\" id=\"t4t_139\">- </span><span class=\"S2E7F S2669 S2\" id=\"t4u_139\">- </span><span class=\"S3099 S2669 S2\" id=\"t4v_139\">- </span><span class=\"S309A S2669 S2\" id=\"t4w_139\">51 </span><span class=\"S2B6C S2669 S2\" id=\"t4x_139\">33,638 </span><span class=\"S309B S2669 S2\" id=\"t4y_139\">27,414 </span><span class=\"S2B6E S2669 S2\" id=\"t4z_139\">61,052 </span><span class=\"S2B6F S266A S2\" id=\"t50_139\">fixed rate </span><span class=\"S309C S266A S2\" id=\"t51_139\">33,638 </span><span class=\"S309D S266A S2\" id=\"t52_139\">21,535 </span><span class=\"S309E S266A S2\" id=\"t53_139\">- </span><span class=\"S309F S266A S2\" id=\"t54_139\">5,828 </span><span class=\"S30A0 S266A S2\" id=\"t55_139\">- </span><span class=\"S30A1 S266A S2\" id=\"t56_139\">- </span><span class=\"S30A2 S266A S2\" id=\"t57_139\">- </span><span class=\"S30A3 S266A S2\" id=\"t58_139\">- </span><span class=\"S30A4 S266A S2\" id=\"t59_139\">- </span><span class=\"S30A5 S266A S2\" id=\"t5a_139\">- </span><span class=\"S30A6 S266A S2\" id=\"t5b_139\">- </span><span class=\"S30A7 S266A S2\" id=\"t5c_139\">- </span><span class=\"S2B7C S266A S2\" id=\"t5d_139\">33,638 </span><span class=\"S30A8 S266A S2\" id=\"t5e_139\">27,363 </span><span class=\"S2B7E S2669 S2\" id=\"t5f_139\">61,001 </span><span class=\"S2B7F S266A S2\" id=\"t5g_139\">variable rate </span><span class=\"S30A9 S266A S2\" id=\"t5h_139\">- </span><span class=\"S30AA S266A S2\" id=\"t5i_139\">- </span><span class=\"S30AB S266A S2\" id=\"t5j_139\">- </span><span class=\"S30AC S266A S2\" id=\"t5k_139\">- </span><span class=\"S2E8B S266A S2\" id=\"t5l_139\">- </span><span class=\"S2E8C S266A S2\" id=\"t5m_139\">- </span><span class=\"S2E8D S266A S2\" id=\"t5n_139\">- </span><span class=\"S2E8E S266A S2\" id=\"t5o_139\">- </span><span class=\"S30AD S266A S2\" id=\"t5p_139\">- </span><span class=\"S2E90 S266A S2\" id=\"t5q_139\">- </span><span class=\"S30AE S266A S2\" id=\"t5r_139\">- </span><span class=\"S30AF S266A S2\" id=\"t5s_139\">- </span><span class=\"S2B8C S266A S2\" id=\"t5t_139\">- </span><span class=\"S2B8D S266A S2\" id=\"t5u_139\">- </span><span class=\"S2B8E S2669 S2\" id=\"t5v_139\">- </span><span class=\"S2B8F S266A S2\" id=\"t5w_139\">non-interest-bearing </span><span class=\"S30B0 S266A S2\" id=\"t5x_139\">- </span><span class=\"S30B1 S266A S2\" id=\"t5y_139\">- </span><span class=\"S30B2 S266A S2\" id=\"t5z_139\">- </span><span class=\"S30B3 S266A S2\" id=\"t60_139\">- </span><span class=\"S2E9A S266A S2\" id=\"t61_139\">- </span><span class=\"S2E9B S266A S2\" id=\"t62_139\">- </span><span class=\"S2E9C S266A S2\" id=\"t63_139\">- </span><span class=\"S2E9D S266A S2\" id=\"t64_139\">- </span><span class=\"S30B4 S266A S2\" id=\"t65_139\">- </span><span class=\"S2E9F S266A S2\" id=\"t66_139\">- </span><span class=\"S30B5 S266A S2\" id=\"t67_139\">- </span><span class=\"S30B6 S266A S2\" id=\"t68_139\">51 </span><span class=\"S2B9C S266A S2\" id=\"t69_139\">- </span><span class=\"S30B7 S266A S2\" id=\"t6a_139\">51 </span><span class=\"S2EA4 S2669 S2\" id=\"t6b_139\">51 </span><span class=\"S30B8 S2669 S2\" id=\"t6c_139\">Trading instruments at fair value through </span><span class=\"S2BA0 S2669 S2\" id=\"t6d_139\">profit or loss </span><span class=\"S30B9 S2669 S2\" id=\"t6e_139\">1,237 </span><span class=\"S30BA S2669 S2\" id=\"t6f_139\">7,034 </span><span class=\"S30BB S2669 S2\" id=\"t6g_139\">664 </span><span class=\"S30BC S2669 S2\" id=\"t6h_139\">26,796 </span><span class=\"S30BD S2669 S2\" id=\"t6i_139\">2,506 </span><span class=\"S30BE S2669 S2\" id=\"t6j_139\">16,960 </span><span class=\"S30BF S2669 S2\" id=\"t6k_139\">360 </span><span class=\"S30C0 S2669 S2\" id=\"t6l_139\">6,634 </span><span class=\"S30C1 S2669 S2\" id=\"t6m_139\">25,036 </span><span class=\"S30C2 S2669 S2\" id=\"t6n_139\">13,415 </span><span class=\"S30C3 S2669 S2\" id=\"t6o_139\">1,770 </span><span class=\"S30C4 S2669 S2\" id=\"t6p_139\">1,098 </span><span class=\"S2BAD S2669 S2\" id=\"t6q_139\">31,573 </span><span class=\"S2BAE S2669 S2\" id=\"t6r_139\">71,937 </span><span class=\"S2BAF S2669 S2\" id=\"t6s_139\">103,510 </span><span class=\"S2BB0 S266A S2\" id=\"t6t_139\">fixed rate </span><span class=\"S30C5 S266A S2\" id=\"t6u_139\">32 </span><span class=\"S30C6 S266A S2\" id=\"t6v_139\">7,034 </span><span class=\"S30C7 S266A S2\" id=\"t6w_139\">487 </span><span class=\"S30C8 S266A S2\" id=\"t6x_139\">26,796 </span><span class=\"S30C9 S266A S2\" id=\"t6y_139\">2,233 </span><span class=\"S30CA S266A S2\" id=\"t6z_139\">16,960 </span><span class=\"S30CB S266A S2\" id=\"t70_139\">360 </span><span class=\"S30CC S266A S2\" id=\"t71_139\">6,634 </span><span class=\"S30CD S266A S2\" id=\"t72_139\">25,036 </span><span class=\"S30CE S266A S2\" id=\"t73_139\">13,415 </span><span class=\"S30CF S266A S2\" id=\"t74_139\">- </span><span class=\"S30D0 S266A S2\" id=\"t75_139\">- </span><span class=\"S2BBD S266A S2\" id=\"t76_139\">28,148 </span><span class=\"S2BBE S266A S2\" id=\"t77_139\">70,839 </span><span class=\"S2BBF S2669 S2\" id=\"t78_139\">98,987 </span><span class=\"S2BC0 S266A S2\" id=\"t79_139\">variable rate </span><span class=\"S30D1 S266A S2\" id=\"t7a_139\">1,205 </span><span class=\"S30D2 S266A S2\" id=\"t7b_139\">- </span><span class=\"S30D3 S266A S2\" id=\"t7c_139\">177 </span><span class=\"S30D4 S266A S2\" id=\"t7d_139\">- </span><span class=\"S30D5 S266A S2\" id=\"t7e_139\">273 </span><span class=\"S30D6 S266A S2\" id=\"t7f_139\">- </span><span class=\"S30D7 S266A S2\" id=\"t7g_139\">- </span><span class=\"S30D8 S266A S2\" id=\"t7h_139\">- </span><span class=\"S30D9 S266A S2\" id=\"t7i_139\">- </span><span class=\"S30DA S266A S2\" id=\"t7j_139\">- </span><span class=\"S30DB S266A S2\" id=\"t7k_139\">- </span><span class=\"S30DC S266A S2\" id=\"t7l_139\">- </span><span class=\"S30DD S266A S2\" id=\"t7m_139\">1,655 </span><span class=\"S2BCE S266A S2\" id=\"t7n_139\">- </span><span class=\"S30DE S2669 S2\" id=\"t7o_139\">1,655 </span><span class=\"S2BD0 S266A S2\" id=\"t7p_139\">non-interest-bearing </span><span class=\"S30DF S266A S2\" id=\"t7q_139\">- </span><span class=\"S30E0 S266A S2\" id=\"t7r_139\">- </span><span class=\"S30E1 S266A S2\" id=\"t7s_139\">- </span><span class=\"S30E2 S266A S2\" id=\"t7t_139\">- </span><span class=\"S2EE9 S266A S2\" id=\"t7u_139\">- </span><span class=\"S2EEA S266A S2\" id=\"t7v_139\">- </span><span class=\"S2EEB S266A S2\" id=\"t7w_139\">- </span><span class=\"S30E3 S266A S2\" id=\"t7x_139\">- </span><span class=\"S30E4 S266A S2\" id=\"t7y_139\">- </span><span class=\"S2EEE S266A S2\" id=\"t7z_139\">- </span><span class=\"S30E5 S266A S2\" id=\"t80_139\">1,770 </span><span class=\"S30E6 S266A S2\" id=\"t81_139\">1,098 </span><span class=\"S30E7 S266A S2\" id=\"t82_139\">1,770 </span><span class=\"S2BDE S266A S2\" id=\"t83_139\">1,098 </span><span class=\"S30E8 S2669 S2\" id=\"t84_139\">2,868 </span><span class=\"S2BE0 S2669 S2\" id=\"t85_139\">Non-trading instruments mandatorily at fair </span><span class=\"S2BE1 S2669 S2\" id=\"t86_139\">value through profit or loss </span><span class=\"S30E9 S2669 S2\" id=\"t87_139\">- </span><span class=\"S30EA S2669 S2\" id=\"t88_139\">- </span><span class=\"S30EB S2669 S2\" id=\"t89_139\">- </span><span class=\"S30EC S2669 S2\" id=\"t8a_139\">- </span><span class=\"S30ED S2669 S2\" id=\"t8b_139\">- </span><span class=\"S30EE S2669 S2\" id=\"t8c_139\">- </span><span class=\"S30EF S2669 S2\" id=\"t8d_139\">- </span><span class=\"S2F0C S2669 S2\" id=\"t8e_139\">- </span><span class=\"S30F0 S2669 S2\" id=\"t8f_139\">- </span><span class=\"S30F1 S2669 S2\" id=\"t8g_139\">- </span><span class=\"S30F2 S2669 S2\" id=\"t8h_139\">28,074 </span><span class=\"S30F3 S2669 S2\" id=\"t8i_139\">25,329 </span><span class=\"S2BEE S2669 S2\" id=\"t8j_139\">28,074 </span><span class=\"S2BEF S2669 S2\" id=\"t8k_139\">25,329 </span><span class=\"S2BF0 S2669 S2\" id=\"t8l_139\">53,403 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_139\">fixed rate </span><span class=\"S30F4 S266A S2\" id=\"t8n_139\">- </span><span class=\"S30F5 S266A S2\" id=\"t8o_139\">- </span><span class=\"S30F6 S266A S2\" id=\"t8p_139\">- </span><span class=\"S30F7 S266A S2\" id=\"t8q_139\">- </span><span class=\"S30F8 S266A S2\" id=\"t8r_139\">- </span><span class=\"S30F9 S266A S2\" id=\"t8s_139\">- </span><span class=\"S30FA S266A S2\" id=\"t8t_139\">- </span><span class=\"S2F1A S266A S2\" id=\"t8u_139\">- </span><span class=\"S30FB S266A S2\" id=\"t8v_139\">- </span><span class=\"S30FC S266A S2\" id=\"t8w_139\">- </span><span class=\"S30FD S266A S2\" id=\"t8x_139\">- </span><span class=\"S30FE S266A S2\" id=\"t8y_139\">- </span><span class=\"S2BFE S266A S2\" id=\"t8z_139\">- </span><span class=\"S2BFF S266A S2\" id=\"t90_139\">- </span><span class=\"S2C00 S2669 S2\" id=\"t91_139\">- </span><span class=\"S2C01 S266A S2\" id=\"t92_139\">variable rate </span><span class=\"S30FF S266A S2\" id=\"t93_139\">- </span><span class=\"S3100 S266A S2\" id=\"t94_139\">- </span><span class=\"S3101 S266A S2\" id=\"t95_139\">- </span><span class=\"S3102 S266A S2\" id=\"t96_139\">- </span><span class=\"S3103 S266A S2\" id=\"t97_139\">- </span><span class=\"S2F25 S266A S2\" id=\"t98_139\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_139\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_139\">- </span><span class=\"S3104 S266A S2\" id=\"t9b_139\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_139\">- </span><span class=\"S3105 S266A S2\" id=\"t9d_139\">- </span><span class=\"S3106 S266A S2\" id=\"t9e_139\">- </span><span class=\"S2C0E S266A S2\" id=\"t9f_139\">- </span><span class=\"S2C0F S266A S2\" id=\"t9g_139\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9h_139\">- </span><span class=\"S2C11 S266A S2\" id=\"t9i_139\">non-interest-bearing </span><span class=\"S3107 S266A S2\" id=\"t9j_139\">- </span><span class=\"S3108 S266A S2\" id=\"t9k_139\">- </span><span class=\"S3109 S266A S2\" id=\"t9l_139\">- </span><span class=\"S310A S266A S2\" id=\"t9m_139\">- </span><span class=\"S2F30 S266A S2\" id=\"t9n_139\">- </span><span class=\"S2F31 S266A S2\" id=\"t9o_139\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_139\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_139\">- </span><span class=\"S310B S266A S2\" id=\"t9r_139\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_139\">- </span><span class=\"S310C S266A S2\" id=\"t9t_139\">28,074 </span><span class=\"S310D S266A S2\" id=\"t9u_139\">25,329 </span><span class=\"S2C1E S266A S2\" id=\"t9v_139\">28,074 </span><span class=\"S2C1F S266A S2\" id=\"t9w_139\">25,329 </span><span class=\"S2C20 S2669 S2\" id=\"t9x_139\">53,403 </span><span class=\"S2AC1 SB S2\" id=\"t5_140\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_140\">As at 31 December 2021 [continued] </span><span class=\"S310E S2669 S2\" id=\"t7_140\">ASSETS [continued] </span><span class=\"S310F S2669 S2\" id=\"t8_140\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_140\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_140\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_140\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_140\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_140\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_140\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_140\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_140\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_140\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_140\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_140\">Total </span><span class=\"S3112 S2669 S2\" id=\"tk_140\">HUF </span><span class=\"S3113 S2669 S2\" id=\"tl_140\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tm_140\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_140\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_140\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_140\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_140\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_140\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_140\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_140\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_140\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_140\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_140\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_140\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_140\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_140\">comprehensive income </span><span class=\"S3115 S2669 S2\" id=\"t10_140\">205,473 </span><span class=\"S3116 S2669 S2\" id=\"t11_140\">291,988 </span><span class=\"S2C40 S2669 S2\" id=\"t12_140\">22,420 </span><span class=\"S2C41 S2669 S2\" id=\"t13_140\">92,258 </span><span class=\"S3117 S2669 S2\" id=\"t14_140\">97,202 </span><span class=\"S2C43 S2669 S2\" id=\"t15_140\">202,157 </span><span class=\"S2C44 S2669 S2\" id=\"t16_140\">40,289 </span><span class=\"S2C45 S2669 S2\" id=\"t17_140\">177,681 </span><span class=\"S2C46 S2669 S2\" id=\"t18_140\">362,610 </span><span class=\"S2C47 S2669 S2\" id=\"t19_140\">697,456 </span><span class=\"S3118 S2669 S2\" id=\"t1a_140\">(353) </span><span class=\"S2C49 S2669 S2\" id=\"t1b_140\">35,329 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_140\">727,641 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_140\">1,496,869 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_140\">2,224,510 </span><span class=\"S2C4D S266A S2\" id=\"t1f_140\">fixed rate </span><span class=\"S3119 S266A S2\" id=\"t1g_140\">157,136 </span><span class=\"S311A S266A S2\" id=\"t1h_140\">291,987 </span><span class=\"S311B S266A S2\" id=\"t1i_140\">6,897 </span><span class=\"S2C51 S266A S2\" id=\"t1j_140\">92,258 </span><span class=\"S311C S266A S2\" id=\"t1k_140\">88,628 </span><span class=\"S2C53 S266A S2\" id=\"t1l_140\">202,157 </span><span class=\"S2C54 S266A S2\" id=\"t1m_140\">40,289 </span><span class=\"S2C55 S266A S2\" id=\"t1n_140\">177,681 </span><span class=\"S2C56 S266A S2\" id=\"t1o_140\">395,460 </span><span class=\"S2C57 S266A S2\" id=\"t1p_140\">684,739 </span><span class=\"S2C58 S266A S2\" id=\"t1q_140\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_140\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_140\">688,410 </span><span class=\"S2C5B S266A S2\" id=\"t1t_140\">1,448,822 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_140\">2,137,232 </span><span class=\"S2C5C S266A S2\" id=\"t1v_140\">variable rate </span><span class=\"S311D S266A S2\" id=\"t1w_140\">48,337 </span><span class=\"S311E S266A S2\" id=\"t1x_140\">1 </span><span class=\"S311F S266A S2\" id=\"t1y_140\">15,523 </span><span class=\"S3120 S266A S2\" id=\"t1z_140\">- </span><span class=\"S3121 S266A S2\" id=\"t20_140\">8,574 </span><span class=\"S2C62 S266A S2\" id=\"t21_140\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_140\">- </span><span class=\"S2F64 S266A S2\" id=\"t23_140\">- </span><span class=\"S3122 S266A S2\" id=\"t24_140\">(32,850) </span><span class=\"S3123 S266A S2\" id=\"t25_140\">12,717 </span><span class=\"S2C67 S266A S2\" id=\"t26_140\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_140\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_140\">39,584 </span><span class=\"S2C6A S266A S2\" id=\"t29_140\">12,718 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_140\">52,302 </span><span class=\"S2C6C S266A S2\" id=\"t2b_140\">non-interest-bearing </span><span class=\"S3124 S266A S2\" id=\"t2c_140\">- </span><span class=\"S3125 S266A S2\" id=\"t2d_140\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_140\">- </span><span class=\"S3126 S266A S2\" id=\"t2f_140\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_140\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_140\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_140\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_140\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_140\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_140\">- </span><span class=\"S3127 S266A S2\" id=\"t2m_140\">(353) </span><span class=\"S2C78 S266A S2\" id=\"t2n_140\">35,329 </span><span class=\"S3128 S266A S2\" id=\"t2o_140\">(353) </span><span class=\"S2C7A S266A S2\" id=\"t2p_140\">35,329 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_140\">34,976 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_140\">Securities at amortized cost </span><span class=\"S3129 S2669 S2\" id=\"t2s_140\">117 </span><span class=\"S312A S2669 S2\" id=\"t2t_140\">124,634 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_140\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_140\">24,325 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_140\">365,576 </span><span class=\"S312B S2669 S2\" id=\"t2x_140\">28,559 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_140\">264,200 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_140\">56,712 </span><span class=\"S2C85 S2669 S2\" id=\"t30_140\">2,305,098 </span><span class=\"S312C S2669 S2\" id=\"t31_140\">722,114 </span><span class=\"S2C87 S2669 S2\" id=\"t32_140\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_140\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_140\">2,934,991 </span><span class=\"S2E3A S2669 S2\" id=\"t35_140\">956,344 </span><span class=\"S2B1F S2669 S2\" id=\"t36_140\">3,891,335 </span><span class=\"S2C8B S266A S2\" id=\"t37_140\">fixed rate </span><span class=\"S312D S266A S2\" id=\"t38_140\">- </span><span class=\"S312E S266A S2\" id=\"t39_140\">117,026 </span><span class=\"S2C8E S266A S2\" id=\"t3a_140\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_140\">19,513 </span><span class=\"S2C90 S266A S2\" id=\"t3c_140\">365,576 </span><span class=\"S312F S266A S2\" id=\"t3d_140\">28,559 </span><span class=\"S2C92 S266A S2\" id=\"t3e_140\">264,200 </span><span class=\"S2C93 S266A S2\" id=\"t3f_140\">56,712 </span><span class=\"S2C94 S266A S2\" id=\"t3g_140\">2,305,098 </span><span class=\"S3130 S266A S2\" id=\"t3h_140\">722,114 </span><span class=\"S2C96 S266A S2\" id=\"t3i_140\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_140\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_140\">2,934,874 </span><span class=\"S3131 S266A S2\" id=\"t3l_140\">943,924 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_140\">3,878,798 </span><span class=\"S2C9A S266A S2\" id=\"t3n_140\">variable rate </span><span class=\"S3074 S266A S2\" id=\"t3o_140\">117 </span><span class=\"S3132 S266A S2\" id=\"t3p_140\">7,608 </span><span class=\"S2C9D S266A S2\" id=\"t3q_140\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_140\">4,812 </span><span class=\"S2C9F S266A S2\" id=\"t3s_140\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_140\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_140\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_140\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_140\">- </span><span class=\"S3133 S266A S2\" id=\"t3x_140\">- </span><span class=\"S2CA5 S266A S2\" id=\"t3y_140\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_140\">- </span><span class=\"S3134 S266A S2\" id=\"t40_140\">117 </span><span class=\"S3135 S266A S2\" id=\"t41_140\">12,420 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_140\">12,537 </span><span class=\"S2CAA S266A S2\" id=\"t43_140\">non-interest-bearing </span><span class=\"S3136 S266A S2\" id=\"t44_140\">- </span><span class=\"S3137 S266A S2\" id=\"t45_140\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_140\">- </span><span class=\"S3138 S266A S2\" id=\"t47_140\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_140\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_140\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_140\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_140\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_140\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_140\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_140\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_140\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_140\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_140\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_140\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_140\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_140\">allowance for loan losses </span><span class=\"S3139 S2669 S2\" id=\"t4l_140\">800,665 </span><span class=\"S313A S2669 S2\" id=\"t4m_140\">5,419,263 </span><span class=\"S313B S2669 S2\" id=\"t4n_140\">534,858 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_140\">1,525,057 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_140\">60,259 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_140\">1,431,981 </span><span class=\"S313C S2669 S2\" id=\"t4r_140\">264,434 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_140\">410,199 </span><span class=\"S313D S2669 S2\" id=\"t4t_140\">1,636,001 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_140\">1,180,170 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_140\">121,187 </span><span class=\"S313E S2669 S2\" id=\"t4w_140\">109,109 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_140\">3,417,404 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_140\">10,075,779 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_140\">13,493,183 </span><span class=\"S2B6F S266A S2\" id=\"t50_140\">fixed rate </span><span class=\"S313F S266A S2\" id=\"t51_140\">51,410 </span><span class=\"S3140 S266A S2\" id=\"t52_140\">1,029,075 </span><span class=\"S3141 S266A S2\" id=\"t53_140\">2,075 </span><span class=\"S2CCE S266A S2\" id=\"t54_140\">260,668 </span><span class=\"S2CCF S266A S2\" id=\"t55_140\">16,048 </span><span class=\"S2CD0 S266A S2\" id=\"t56_140\">683,927 </span><span class=\"S3142 S266A S2\" id=\"t57_140\">187,209 </span><span class=\"S2CD2 S266A S2\" id=\"t58_140\">374,260 </span><span class=\"S2CD3 S266A S2\" id=\"t59_140\">942,294 </span><span class=\"S3143 S266A S2\" id=\"t5a_140\">835,327 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_140\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_140\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_140\">1,199,036 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_140\">3,183,257 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_140\">4,382,293 </span><span class=\"S2B7F S266A S2\" id=\"t5g_140\">variable rate </span><span class=\"S3144 S266A S2\" id=\"t5h_140\">749,255 </span><span class=\"S3145 S266A S2\" id=\"t5i_140\">4,390,188 </span><span class=\"S3146 S266A S2\" id=\"t5j_140\">532,783 </span><span class=\"S2CDD S266A S2\" id=\"t5k_140\">1,264,389 </span><span class=\"S2CDE S266A S2\" id=\"t5l_140\">44,211 </span><span class=\"S2CDF S266A S2\" id=\"t5m_140\">748,054 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_140\">77,225 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_140\">35,939 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_140\">693,707 </span><span class=\"S3147 S266A S2\" id=\"t5q_140\">344,843 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_140\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_140\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_140\">2,097,181 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_140\">6,783,413 </span><span class=\"S3148 S2669 S2\" id=\"t5v_140\">8,880,594 </span><span class=\"S2B8F S266A S2\" id=\"t5w_140\">non-interest-bearing </span><span class=\"S3149 S266A S2\" id=\"t5x_140\">- </span><span class=\"S314A S266A S2\" id=\"t5y_140\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_140\">- </span><span class=\"S314B S266A S2\" id=\"t60_140\">- </span><span class=\"S2CED S266A S2\" id=\"t61_140\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_140\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_140\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_140\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_140\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_140\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_140\">121,187 </span><span class=\"S314C S266A S2\" id=\"t68_140\">109,109 </span><span class=\"S2CF5 S266A S2\" id=\"t69_140\">121,187 </span><span class=\"S314D S266A S2\" id=\"t6a_140\">109,109 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_140\">230,296 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_140\">Finance lease receivables </span><span class=\"S314E S2669 S2\" id=\"t6d_140\">117,384 </span><span class=\"S314F S2669 S2\" id=\"t6e_140\">304,444 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_140\">16,580 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_140\">131,417 </span><span class=\"S3150 S2669 S2\" id=\"t6h_140\">5,736 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_140\">161,672 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_140\">20,288 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_140\">88,194 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_140\">197,583 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_140\">137,387 </span><span class=\"S2EB0 S2669 S2\" id=\"t6n_140\">- </span><span class=\"S3151 S2669 S2\" id=\"t6o_140\">1,943 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_140\">357,571 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_140\">825,057 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_140\">1,182,628 </span><span class=\"S2D08 S266A S2\" id=\"t6s_140\">fixed rate </span><span class=\"S3152 S266A S2\" id=\"t6t_140\">6,555 </span><span class=\"S3153 S266A S2\" id=\"t6u_140\">118,251 </span><span class=\"S2D0B S266A S2\" id=\"t6v_140\">440 </span><span class=\"S2D0C S266A S2\" id=\"t6w_140\">8,408 </span><span class=\"S2D0D S266A S2\" id=\"t6x_140\">5,736 </span><span class=\"S2D0E S266A S2\" id=\"t6y_140\">37,140 </span><span class=\"S2D0F S266A S2\" id=\"t6z_140\">20,288 </span><span class=\"S2D10 S266A S2\" id=\"t70_140\">40,715 </span><span class=\"S2D11 S266A S2\" id=\"t71_140\">188,967 </span><span class=\"S2D12 S266A S2\" id=\"t72_140\">64,125 </span><span class=\"S2D13 S266A S2\" id=\"t73_140\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_140\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_140\">221,986 </span><span class=\"S2D16 S266A S2\" id=\"t76_140\">268,639 </span><span class=\"S2BAF S2669 S2\" id=\"t77_140\">490,625 </span><span class=\"S2D17 S266A S2\" id=\"t78_140\">variable rate </span><span class=\"S3154 S266A S2\" id=\"t79_140\">110,829 </span><span class=\"S3155 S266A S2\" id=\"t7a_140\">186,193 </span><span class=\"S2D1A S266A S2\" id=\"t7b_140\">16,140 </span><span class=\"S2D1B S266A S2\" id=\"t7c_140\">123,009 </span><span class=\"S300A S266A S2\" id=\"t7d_140\">- </span><span class=\"S2D1D S266A S2\" id=\"t7e_140\">124,532 </span><span class=\"S300C S266A S2\" id=\"t7f_140\">- </span><span class=\"S2D1F S266A S2\" id=\"t7g_140\">47,479 </span><span class=\"S2D20 S266A S2\" id=\"t7h_140\">8,616 </span><span class=\"S3156 S266A S2\" id=\"t7i_140\">73,262 </span><span class=\"S2D22 S266A S2\" id=\"t7j_140\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_140\">- </span><span class=\"S3157 S266A S2\" id=\"t7l_140\">135,585 </span><span class=\"S2D25 S266A S2\" id=\"t7m_140\">554,475 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_140\">690,060 </span><span class=\"S2D27 S266A S2\" id=\"t7o_140\">non-interest-bearing </span><span class=\"S3158 S266A S2\" id=\"t7p_140\">- </span><span class=\"S3159 S266A S2\" id=\"t7q_140\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_140\">- </span><span class=\"S315A S266A S2\" id=\"t7s_140\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_140\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_140\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_140\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_140\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_140\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_140\">- </span><span class=\"S2EDF S266A S2\" id=\"t7z_140\">- </span><span class=\"S315B S266A S2\" id=\"t80_140\">1,943 </span><span class=\"S315C S266A S2\" id=\"t81_140\">- </span><span class=\"S315D S266A S2\" id=\"t82_140\">1,943 </span><span class=\"S315E S2669 S2\" id=\"t83_140\">1,943 </span><span class=\"S2D36 S2669 S2\" id=\"t84_140\">Loans mandatorily at fair value through </span><span class=\"S315F S2669 S2\" id=\"t85_140\">profit or loss </span><span class=\"S3160 S2669 S2\" id=\"t86_140\">27,185 </span><span class=\"S3161 S2669 S2\" id=\"t87_140\">281 </span><span class=\"S2D3A S2669 S2\" id=\"t88_140\">11,172 </span><span class=\"S3162 S2669 S2\" id=\"t89_140\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_140\">73,893 </span><span class=\"S1381 S2669 S2\" id=\"t8b_140\">- </span><span class=\"S3163 S2669 S2\" id=\"t8c_140\">29,473 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_140\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_140\">926,107 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_140\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_140\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_140\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_140\">1,067,830 </span><span class=\"S3164 S2669 S2\" id=\"t8j_140\">281 </span><span class=\"S2D45 S2669 S2\" id=\"t8k_140\">1,068,111 </span><span class=\"S2D46 S266A S2\" id=\"t8l_140\">fixed rate </span><span class=\"S3165 S266A S2\" id=\"t8m_140\">2 </span><span class=\"S3166 S266A S2\" id=\"t8n_140\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_140\">- </span><span class=\"S3167 S266A S2\" id=\"t8p_140\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_140\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_140\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_140\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_140\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_140\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_140\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_140\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_140\">- </span><span class=\"S3168 S266A S2\" id=\"t8y_140\">2 </span><span class=\"S2D53 S266A S2\" id=\"t8z_140\">- </span><span class=\"S3169 S2669 S2\" id=\"t90_140\">2 </span><span class=\"S2D55 S266A S2\" id=\"t91_140\">variable rate </span><span class=\"S316A S266A S2\" id=\"t92_140\">27,183 </span><span class=\"S316B S266A S2\" id=\"t93_140\">281 </span><span class=\"S2D58 S266A S2\" id=\"t94_140\">11,172 </span><span class=\"S316C S266A S2\" id=\"t95_140\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_140\">73,893 </span><span class=\"S2D5B S266A S2\" id=\"t97_140\">- </span><span class=\"S316D S266A S2\" id=\"t98_140\">29,473 </span><span class=\"S2D5D S266A S2\" id=\"t99_140\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_140\">926,107 </span><span class=\"S2D5F S266A S2\" id=\"t9b_140\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_140\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_140\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_140\">1,067,828 </span><span class=\"S316E S266A S2\" id=\"t9f_140\">281 </span><span class=\"S2D64 S2669 S2\" id=\"t9g_140\">1,068,109 </span><span class=\"S2D65 S266A S2\" id=\"t9h_140\">non-interest-bearing </span><span class=\"S316F S266A S2\" id=\"t9i_140\">- </span><span class=\"S3170 S266A S2\" id=\"t9j_140\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_140\">- </span><span class=\"S3171 S266A S2\" id=\"t9l_140\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_140\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_140\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_140\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_140\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_140\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_140\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_140\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_140\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_140\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_140\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_140\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_140\">Fair value adjustment of derivative </span><span class=\"S3172 S2669 S2\" id=\"t9y_140\">financial instruments </span><span class=\"S3173 S2669 S2\" id=\"t9z_140\">1,516,897 </span><span class=\"S3174 S2669 S2\" id=\"ta0_140\">1,249,024 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_140\">395,951 </span><span class=\"S3175 S2669 S2\" id=\"ta2_140\">937,234 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_140\">680,161 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_140\">863,886 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_140\">10,760 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_140\">57,580 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_140\">221,053 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_140\">17,693 </span><span class=\"S3176 S2669 S2\" id=\"ta9_140\">181,110 </span><span class=\"S2D81 S2669 S2\" id=\"taa_140\">672,531 </span><span class=\"S2D82 S2669 S2\" id=\"tab_140\">3,005,932 </span><span class=\"S2D83 S2669 S2\" id=\"tac_140\">3,797,948 </span><span class=\"S2D84 S2669 S2\" id=\"tad_140\">6,803,880 </span><span class=\"S2D85 S266A S2\" id=\"tae_140\">fixed rate </span><span class=\"S3177 S266A S2\" id=\"taf_140\">1,409,585 </span><span class=\"S3178 S266A S2\" id=\"tag_140\">1,125,415 </span><span class=\"S2D88 S266A S2\" id=\"tah_140\">188,029 </span><span class=\"S2D89 S266A S2\" id=\"tai_140\">551,410 </span><span class=\"S2D8A S266A S2\" id=\"taj_140\">574,143 </span><span class=\"S2D8B S266A S2\" id=\"tak_140\">862,177 </span><span class=\"S2D8C S266A S2\" id=\"tal_140\">10,760 </span><span class=\"S2D8D S266A S2\" id=\"tam_140\">57,521 </span><span class=\"S2D8E S266A S2\" id=\"tan_140\">221,053 </span><span class=\"S2D8F S266A S2\" id=\"tao_140\">17,681 </span><span class=\"S2D90 S266A S2\" id=\"tap_140\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_140\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_140\">2,403,570 </span><span class=\"S2D93 S266A S2\" id=\"tas_140\">2,614,204 </span><span class=\"S2D94 S2669 S2\" id=\"tat_140\">5,017,774 </span><span class=\"S2D95 S266A S2\" id=\"tau_140\">variable rate </span><span class=\"S3179 S266A S2\" id=\"tav_140\">107,312 </span><span class=\"S317A S266A S2\" id=\"taw_140\">123,609 </span><span class=\"S2D98 S266A S2\" id=\"tax_140\">207,922 </span><span class=\"S2D99 S266A S2\" id=\"tay_140\">385,824 </span><span class=\"S2D9A S266A S2\" id=\"taz_140\">106,018 </span><span class=\"S317B S266A S2\" id=\"tb0_140\">1,709 </span><span class=\"S2D9C S266A S2\" id=\"tb1_140\">- </span><span class=\"S317C S266A S2\" id=\"tb2_140\">59 </span><span class=\"S2D9E S266A S2\" id=\"tb3_140\">- </span><span class=\"S317D S266A S2\" id=\"tb4_140\">12 </span><span class=\"S2DA0 S266A S2\" id=\"tb5_140\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_140\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_140\">421,252 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_140\">511,213 </span><span class=\"S317E S2669 S2\" id=\"tb9_140\">932,465 </span><span class=\"S2DA5 S266A S2\" id=\"tba_140\">non-interest-bearing </span><span class=\"S317F S266A S2\" id=\"tbb_140\">- </span><span class=\"S3180 S266A S2\" id=\"tbc_140\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_140\">- </span><span class=\"S3181 S266A S2\" id=\"tbe_140\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_140\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_140\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_140\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_140\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_140\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_140\">- </span><span class=\"S3182 S266A S2\" id=\"tbl_140\">181,110 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_140\">672,531 </span><span class=\"S3183 S266A S2\" id=\"tbn_140\">181,110 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_140\">672,531 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_140\">853,641 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_140\">Other financial assets </span><span class=\"S3184 S2669 S2\" id=\"tbr_140\">3,395 </span><span class=\"S3185 S2669 S2\" id=\"tbs_140\">13,864 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_140\">1,261 </span><span class=\"S3186 S2669 S2\" id=\"tbu_140\">19 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_140\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_140\">212 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_140\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_140\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_140\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_140\">128 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_140\">49,086 </span><span class=\"S3187 S2669 S2\" id=\"tc2_140\">67,951 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_140\">53,742 </span><span class=\"S3188 S2669 S2\" id=\"tc4_140\">82,174 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_140\">135,916 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_140\">fixed rate </span><span class=\"S3189 S266A S2\" id=\"tc7_140\">3,393 </span><span class=\"S318A S266A S2\" id=\"tc8_140\">4,860 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_140\">1,155 </span><span class=\"S318B S266A S2\" id=\"tca_140\">13 </span><span class=\"S2DCA S266A S2\" id=\"tcb_140\">- </span><span class=\"S318C S266A S2\" id=\"tcc_140\">12 </span><span class=\"S2DCC S266A S2\" id=\"tcd_140\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_140\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_140\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_140\">103 </span><span class=\"S2DD0 S266A S2\" id=\"tch_140\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_140\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_140\">4,548 </span><span class=\"S318D S266A S2\" id=\"tck_140\">4,988 </span><span class=\"S318E S2669 S2\" id=\"tcl_140\">9,536 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_140\">variable rate </span><span class=\"S318F S266A S2\" id=\"tcn_140\">2 </span><span class=\"S3190 S266A S2\" id=\"tco_140\">9,004 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_140\">106 </span><span class=\"S3191 S266A S2\" id=\"tcq_140\">6 </span><span class=\"S2DDA S266A S2\" id=\"tcr_140\">- </span><span class=\"S3192 S266A S2\" id=\"tcs_140\">200 </span><span class=\"S2DDC S266A S2\" id=\"tct_140\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_140\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_140\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_140\">25 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_140\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_140\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_140\">108 </span><span class=\"S3193 S266A S2\" id=\"td0_140\">9,235 </span><span class=\"S3194 S2669 S2\" id=\"td1_140\">9,343 </span><span class=\"S2DE5 S266A S2\" id=\"td2_140\">non-interest-bearing </span><span class=\"S3195 S266A S2\" id=\"td3_140\">- </span><span class=\"S3196 S266A S2\" id=\"td4_140\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_140\">- </span><span class=\"S3197 S266A S2\" id=\"td6_140\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_140\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_140\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_140\">- </span><span class=\"S2DED S266A S2\" id=\"tda_140\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_140\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_140\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_140\">49,086 </span><span class=\"S3198 S266A S2\" id=\"tde_140\">67,951 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_140\">49,086 </span><span class=\"S3199 S266A S2\" id=\"tdg_140\">67,951 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_140\">117,037 </span><span class=\"S2AC1 SB S2\" id=\"t5_141\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_141\">As at 31 December 2021 [continued] </span><span class=\"S319A S2669 S2\" id=\"t7_141\">LIABILITIES </span><span class=\"S319B S2669 S2\" id=\"t8_141\">Within 1 month </span><span class=\"S319C S2669 S2\" id=\"t9_141\">Over 1 month and </span><span class=\"S319D S2669 S2\" id=\"ta_141\">Within 3 months </span><span class=\"S319E S2669 S2\" id=\"tb_141\">Over 3 months and </span><span class=\"S319F S2669 S2\" id=\"tc_141\">Within 12 months </span><span class=\"S31A0 S2669 S2\" id=\"td_141\">Over 1 year and </span><span class=\"S31A1 S2669 S2\" id=\"te_141\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_141\">Over 2 years </span><span class=\"S2DFF S2669 S2\" id=\"tg_141\">Non-interest- </span><span class=\"S2E00 S2669 S2\" id=\"th_141\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_141\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_141\">Total </span><span class=\"S31A2 S2669 S2\" id=\"tk_141\">HUF </span><span class=\"S31A3 S2669 S2\" id=\"tl_141\">Currency </span><span class=\"S31A4 S2669 S2\" id=\"tm_141\">HUF </span><span class=\"S31A5 S2669 S2\" id=\"tn_141\">Currency </span><span class=\"S31A6 S2669 S2\" id=\"to_141\">HUF </span><span class=\"S31A7 S2669 S2\" id=\"tp_141\">Currency </span><span class=\"S31A8 S2669 S2\" id=\"tq_141\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_141\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_141\">HUF </span><span class=\"S2E0A S2669 S2\" id=\"tt_141\">Currency </span><span class=\"S2E0B S2669 S2\" id=\"tu_141\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_141\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_141\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_141\">Currency </span><span class=\"S2E0C S2669 S2\" id=\"ty_141\">Amounts due to banks, the Hungarian </span><span class=\"S2E0D S2669 S2\" id=\"tz_141\">Government, deposits </span><span class=\"S31A9 S2669 S2\" id=\"t10_141\">from the National Bank of Hungary and </span><span class=\"S2E0F S2669 S2\" id=\"t11_141\">other banks </span><span class=\"S31AA S2669 S2\" id=\"t12_141\">103,123 </span><span class=\"S31AB S2669 S2\" id=\"t13_141\">200,292 </span><span class=\"S31AC S2669 S2\" id=\"t14_141\">41,404 </span><span class=\"S31AD S2669 S2\" id=\"t15_141\">56,912 </span><span class=\"S31AE S2669 S2\" id=\"t16_141\">26,730 </span><span class=\"S31AF S2669 S2\" id=\"t17_141\">79,200 </span><span class=\"S31B0 S2669 S2\" id=\"t18_141\">355,132 </span><span class=\"S31B1 S2669 S2\" id=\"t19_141\">26,401 </span><span class=\"S2E18 S2669 S2\" id=\"t1a_141\">616,005 </span><span class=\"S2E19 S2669 S2\" id=\"t1b_141\">12,724 </span><span class=\"S2E1A S2669 S2\" id=\"t1c_141\">35,951 </span><span class=\"S2E1B S2669 S2\" id=\"t1d_141\">13,474 </span><span class=\"S2E1C S2669 S2\" id=\"t1e_141\">1,178,345 </span><span class=\"S2E1D S2669 S2\" id=\"t1f_141\">389,003 </span><span class=\"S2AFF S2669 S2\" id=\"t1g_141\">1,567,348 </span><span class=\"S2E1E S266A S2\" id=\"t1h_141\">fixed rate </span><span class=\"S31B2 S266A S2\" id=\"t1i_141\">58,913 </span><span class=\"S31B3 S266A S2\" id=\"t1j_141\">103,240 </span><span class=\"S31B4 S266A S2\" id=\"t1k_141\">12,367 </span><span class=\"S31B5 S266A S2\" id=\"t1l_141\">23,208 </span><span class=\"S31B6 S266A S2\" id=\"t1m_141\">26,730 </span><span class=\"S31B7 S266A S2\" id=\"t1n_141\">52,310 </span><span class=\"S31B8 S266A S2\" id=\"t1o_141\">355,132 </span><span class=\"S31B9 S266A S2\" id=\"t1p_141\">26,356 </span><span class=\"S2E27 S266A S2\" id=\"t1q_141\">615,961 </span><span class=\"S2E28 S266A S2\" id=\"t1r_141\">12,724 </span><span class=\"S2E29 S266A S2\" id=\"t1s_141\">- </span><span class=\"S2E2A S266A S2\" id=\"t1t_141\">- </span><span class=\"S31BA S266A S2\" id=\"t1u_141\">1,069,103 </span><span class=\"S2E2C S266A S2\" id=\"t1v_141\">217,838 </span><span class=\"S2E2D S2669 S2\" id=\"t1w_141\">1,286,941 </span><span class=\"S2E2E S266A S2\" id=\"t1x_141\">variable rate </span><span class=\"S31BB S266A S2\" id=\"t1y_141\">44,210 </span><span class=\"S31BC S266A S2\" id=\"t1z_141\">97,052 </span><span class=\"S31BD S266A S2\" id=\"t20_141\">29,037 </span><span class=\"S31BE S266A S2\" id=\"t21_141\">33,704 </span><span class=\"S31BF S266A S2\" id=\"t22_141\">- </span><span class=\"S31C0 S266A S2\" id=\"t23_141\">26,890 </span><span class=\"S2E35 S266A S2\" id=\"t24_141\">- </span><span class=\"S31C1 S266A S2\" id=\"t25_141\">45 </span><span class=\"S31C2 S266A S2\" id=\"t26_141\">44 </span><span class=\"S3063 S266A S2\" id=\"t27_141\">- </span><span class=\"S2C87 S266A S2\" id=\"t28_141\">- </span><span class=\"S2C88 S266A S2\" id=\"t29_141\">- </span><span class=\"S31C3 S266A S2\" id=\"t2a_141\">73,291 </span><span class=\"S2E3A S266A S2\" id=\"t2b_141\">157,691 </span><span class=\"S2E3B S2669 S2\" id=\"t2c_141\">230,982 </span><span class=\"S2E3C S266A S2\" id=\"t2d_141\">non-interest-bearing </span><span class=\"S31C4 S266A S2\" id=\"t2e_141\">- </span><span class=\"S31C5 S266A S2\" id=\"t2f_141\">- </span><span class=\"S31C6 S266A S2\" id=\"t2g_141\">- </span><span class=\"S31C7 S266A S2\" id=\"t2h_141\">- </span><span class=\"S31C8 S266A S2\" id=\"t2i_141\">- </span><span class=\"S31C9 S266A S2\" id=\"t2j_141\">- </span><span class=\"S2E43 S266A S2\" id=\"t2k_141\">- </span><span class=\"S2E44 S266A S2\" id=\"t2l_141\">- </span><span class=\"S2E45 S266A S2\" id=\"t2m_141\">- </span><span class=\"S2E46 S266A S2\" id=\"t2n_141\">- </span><span class=\"S2E47 S266A S2\" id=\"t2o_141\">35,951 </span><span class=\"S2E48 S266A S2\" id=\"t2p_141\">13,474 </span><span class=\"S2E49 S266A S2\" id=\"t2q_141\">35,951 </span><span class=\"S2E4A S266A S2\" id=\"t2r_141\">13,474 </span><span class=\"S2F8C S2669 S2\" id=\"t2s_141\">49,425 </span><span class=\"S2E4C S2669 S2\" id=\"t2t_141\">Repo liabilities </span><span class=\"S31CA S2669 S2\" id=\"t2u_141\">49,726 </span><span class=\"S31CB S2669 S2\" id=\"t2v_141\">29,321 </span><span class=\"S31CC S2669 S2\" id=\"t2w_141\">- </span><span class=\"S31CD S2669 S2\" id=\"t2x_141\">- </span><span class=\"S31CE S2669 S2\" id=\"t2y_141\">- </span><span class=\"S31CF S2669 S2\" id=\"t2z_141\">- </span><span class=\"S2E53 S2669 S2\" id=\"t30_141\">- </span><span class=\"S2E54 S2669 S2\" id=\"t31_141\">- </span><span class=\"S2E55 S2669 S2\" id=\"t32_141\">- </span><span class=\"S2E56 S2669 S2\" id=\"t33_141\">- </span><span class=\"S2CA5 S2669 S2\" id=\"t34_141\">- </span><span class=\"S2CA6 S2669 S2\" id=\"t35_141\">- </span><span class=\"S2CA7 S2669 S2\" id=\"t36_141\">49,726 </span><span class=\"S3135 S2669 S2\" id=\"t37_141\">29,321 </span><span class=\"S2CA9 S2669 S2\" id=\"t38_141\">79,047 </span><span class=\"S2E58 S266A S2\" id=\"t39_141\">fixed rate </span><span class=\"S31D0 S266A S2\" id=\"t3a_141\">49,726 </span><span class=\"S31D1 S266A S2\" id=\"t3b_141\">29,321 </span><span class=\"S31D2 S266A S2\" id=\"t3c_141\">- </span><span class=\"S31D3 S266A S2\" id=\"t3d_141\">- </span><span class=\"S31D4 S266A S2\" id=\"t3e_141\">- </span><span class=\"S31D5 S266A S2\" id=\"t3f_141\">- </span><span class=\"S2E5F S266A S2\" id=\"t3g_141\">- </span><span class=\"S2E60 S266A S2\" id=\"t3h_141\">- </span><span class=\"S2E61 S266A S2\" id=\"t3i_141\">- </span><span class=\"S2E62 S266A S2\" id=\"t3j_141\">- </span><span class=\"S2CB5 S266A S2\" id=\"t3k_141\">- </span><span class=\"S2CB6 S266A S2\" id=\"t3l_141\">- </span><span class=\"S2E63 S266A S2\" id=\"t3m_141\">49,726 </span><span class=\"S31D6 S266A S2\" id=\"t3n_141\">29,321 </span><span class=\"S2E65 S2669 S2\" id=\"t3o_141\">79,047 </span><span class=\"S2E66 S266A S2\" id=\"t3p_141\">variable rate </span><span class=\"S31D7 S266A S2\" id=\"t3q_141\">- </span><span class=\"S31D8 S266A S2\" id=\"t3r_141\">- </span><span class=\"S31D9 S266A S2\" id=\"t3s_141\">- </span><span class=\"S31DA S266A S2\" id=\"t3t_141\">- </span><span class=\"S31DB S266A S2\" id=\"t3u_141\">- </span><span class=\"S31DC S266A S2\" id=\"t3v_141\">- </span><span class=\"S2E6D S266A S2\" id=\"t3w_141\">- </span><span class=\"S2E6E S266A S2\" id=\"t3x_141\">- </span><span class=\"S2E6F S266A S2\" id=\"t3y_141\">- </span><span class=\"S2E70 S266A S2\" id=\"t3z_141\">- </span><span class=\"S2E71 S266A S2\" id=\"t40_141\">- </span><span class=\"S2E72 S266A S2\" id=\"t41_141\">- </span><span class=\"S31DD S266A S2\" id=\"t42_141\">- </span><span class=\"S31DE S266A S2\" id=\"t43_141\">- </span><span class=\"S31DF S2669 S2\" id=\"t44_141\">- </span><span class=\"S2E75 S266A S2\" id=\"t45_141\">non-interest-bearing </span><span class=\"S31E0 S266A S2\" id=\"t46_141\">- </span><span class=\"S31E1 S266A S2\" id=\"t47_141\">- </span><span class=\"S31E2 S266A S2\" id=\"t48_141\">- </span><span class=\"S31E3 S266A S2\" id=\"t49_141\">- </span><span class=\"S31E4 S266A S2\" id=\"t4a_141\">- </span><span class=\"S31E5 S266A S2\" id=\"t4b_141\">- </span><span class=\"S2E7C S266A S2\" id=\"t4c_141\">- </span><span class=\"S2E7D S266A S2\" id=\"t4d_141\">- </span><span class=\"S2E7E S266A S2\" id=\"t4e_141\">- </span><span class=\"S2E7F S266A S2\" id=\"t4f_141\">- </span><span class=\"S2E80 S266A S2\" id=\"t4g_141\">- </span><span class=\"S2E81 S266A S2\" id=\"t4h_141\">- </span><span class=\"S2E82 S266A S2\" id=\"t4i_141\">- </span><span class=\"S2E83 S266A S2\" id=\"t4j_141\">- </span><span class=\"S2E84 S2669 S2\" id=\"t4k_141\">- </span><span class=\"S31E6 S2669 S2\" id=\"t4l_141\">Financial liabilities designated at fair </span><span class=\"S31E7 S2669 S2\" id=\"t4m_141\">value through profit or loss </span><span class=\"S31E8 S2669 S2\" id=\"t4n_141\">20,133 </span><span class=\"S31E9 S2669 S2\" id=\"t4o_141\">- </span><span class=\"S31EA S2669 S2\" id=\"t4p_141\">- </span><span class=\"S31EB S2669 S2\" id=\"t4q_141\">- </span><span class=\"S31EC S2669 S2\" id=\"t4r_141\">- </span><span class=\"S31ED S2669 S2\" id=\"t4s_141\">- </span><span class=\"S2E8D S2669 S2\" id=\"t4t_141\">- </span><span class=\"S2E8E S2669 S2\" id=\"t4u_141\">- </span><span class=\"S2E8F S2669 S2\" id=\"t4v_141\">- </span><span class=\"S2E90 S2669 S2\" id=\"t4w_141\">- </span><span class=\"S2E91 S2669 S2\" id=\"t4x_141\">21,051 </span><span class=\"S2CE5 S2669 S2\" id=\"t4y_141\">- </span><span class=\"S2E92 S2669 S2\" id=\"t4z_141\">41,184 </span><span class=\"S2E93 S2669 S2\" id=\"t50_141\">- </span><span class=\"S2E94 S2669 S2\" id=\"t51_141\">41,184 </span><span class=\"S2E95 S266A S2\" id=\"t52_141\">fixed rate </span><span class=\"S31EE S266A S2\" id=\"t53_141\">- </span><span class=\"S31EF S266A S2\" id=\"t54_141\">- </span><span class=\"S31F0 S266A S2\" id=\"t55_141\">- </span><span class=\"S31F1 S266A S2\" id=\"t56_141\">- </span><span class=\"S31F2 S266A S2\" id=\"t57_141\">- </span><span class=\"S31F3 S266A S2\" id=\"t58_141\">- </span><span class=\"S2E9C S266A S2\" id=\"t59_141\">- </span><span class=\"S2E9D S266A S2\" id=\"t5a_141\">- </span><span class=\"S2E9E S266A S2\" id=\"t5b_141\">- </span><span class=\"S2E9F S266A S2\" id=\"t5c_141\">- </span><span class=\"S2EA0 S266A S2\" id=\"t5d_141\">- </span><span class=\"S2EA1 S266A S2\" id=\"t5e_141\">- </span><span class=\"S31F4 S266A S2\" id=\"t5f_141\">- </span><span class=\"S2EA3 S266A S2\" id=\"t5g_141\">- </span><span class=\"S2B9E S2669 S2\" id=\"t5h_141\">- </span><span class=\"S2EA5 S266A S2\" id=\"t5i_141\">variable rate </span><span class=\"S31F5 S266A S2\" id=\"t5j_141\">20,133 </span><span class=\"S25C5 S266A S2\" id=\"t5k_141\">- </span><span class=\"S31F6 S266A S2\" id=\"t5l_141\">- </span><span class=\"S31F7 S266A S2\" id=\"t5m_141\">- </span><span class=\"S31F8 S266A S2\" id=\"t5n_141\">- </span><span class=\"S31F9 S266A S2\" id=\"t5o_141\">- </span><span class=\"S2EAC S266A S2\" id=\"t5p_141\">- </span><span class=\"S2EAD S266A S2\" id=\"t5q_141\">- </span><span class=\"S2EAE S266A S2\" id=\"t5r_141\">- </span><span class=\"S2EAF S266A S2\" id=\"t5s_141\">- </span><span class=\"S2EB0 S266A S2\" id=\"t5t_141\">- </span><span class=\"S2EB1 S266A S2\" id=\"t5u_141\">- </span><span class=\"S2EB2 S266A S2\" id=\"t5v_141\">20,133 </span><span class=\"S2EB3 S266A S2\" id=\"t5w_141\">- </span><span class=\"S2EB4 S2669 S2\" id=\"t5x_141\">20,133 </span><span class=\"S2EB5 S266A S2\" id=\"t5y_141\">non-interest-bearing </span><span class=\"S31FA S266A S2\" id=\"t5z_141\">- </span><span class=\"S31FB S266A S2\" id=\"t60_141\">- </span><span class=\"S31FC S266A S2\" id=\"t61_141\">- </span><span class=\"S31FD S266A S2\" id=\"t62_141\">- </span><span class=\"S31FE S266A S2\" id=\"t63_141\">- </span><span class=\"S31FF S266A S2\" id=\"t64_141\">- </span><span class=\"S2EBC S266A S2\" id=\"t65_141\">- </span><span class=\"S2EBD S266A S2\" id=\"t66_141\">- </span><span class=\"S2EBE S266A S2\" id=\"t67_141\">- </span><span class=\"S2EBF S266A S2\" id=\"t68_141\">- </span><span class=\"S2EC0 S266A S2\" id=\"t69_141\">21,051 </span><span class=\"S2D14 S266A S2\" id=\"t6a_141\">- </span><span class=\"S2EC1 S266A S2\" id=\"t6b_141\">21,051 </span><span class=\"S2EC2 S266A S2\" id=\"t6c_141\">- </span><span class=\"S2EC3 S2669 S2\" id=\"t6d_141\">21,051 </span><span class=\"S3200 S2669 S2\" id=\"t6e_141\">Deposits from customers </span><span class=\"S2D18 S2669 S2\" id=\"t6f_141\">7,533,566 </span><span class=\"S3201 S2669 S2\" id=\"t6g_141\">10,675,265 </span><span class=\"S3202 S2669 S2\" id=\"t6h_141\">198,955 </span><span class=\"S3203 S2669 S2\" id=\"t6i_141\">456,849 </span><span class=\"S3204 S2669 S2\" id=\"t6j_141\">94,140 </span><span class=\"S3205 S2669 S2\" id=\"t6k_141\">735,911 </span><span class=\"S2ECB S2669 S2\" id=\"t6l_141\">31,975 </span><span class=\"S3206 S2669 S2\" id=\"t6m_141\">75,104 </span><span class=\"S2ECD S2669 S2\" id=\"t6n_141\">248,209 </span><span class=\"S2ECE S2669 S2\" id=\"t6o_141\">120,403 </span><span class=\"S2ECF S2669 S2\" id=\"t6p_141\">16,356 </span><span class=\"S2ED0 S2669 S2\" id=\"t6q_141\">881,911 </span><span class=\"S2ED1 S2669 S2\" id=\"t6r_141\">8,123,201 </span><span class=\"S2ED2 S2669 S2\" id=\"t6s_141\">12,945,443 </span><span class=\"S2ED3 S2669 S2\" id=\"t6t_141\">21,068,644 </span><span class=\"S2ED4 S266A S2\" id=\"t6u_141\">fixed rate </span><span class=\"S3207 S266A S2\" id=\"t6v_141\">463,512 </span><span class=\"S3208 S266A S2\" id=\"t6w_141\">4,039,568 </span><span class=\"S3209 S266A S2\" id=\"t6x_141\">198,955 </span><span class=\"S320A S266A S2\" id=\"t6y_141\">456,849 </span><span class=\"S320B S266A S2\" id=\"t6z_141\">92,653 </span><span class=\"S320C S266A S2\" id=\"t70_141\">735,911 </span><span class=\"S2EDB S266A S2\" id=\"t71_141\">31,975 </span><span class=\"S320D S266A S2\" id=\"t72_141\">74,680 </span><span class=\"S2EDD S266A S2\" id=\"t73_141\">248,209 </span><span class=\"S2EDE S266A S2\" id=\"t74_141\">120,403 </span><span class=\"S2EDF S266A S2\" id=\"t75_141\">- </span><span class=\"S2EE0 S266A S2\" id=\"t76_141\">- </span><span class=\"S2EE1 S266A S2\" id=\"t77_141\">1,035,304 </span><span class=\"S2EE2 S266A S2\" id=\"t78_141\">5,427,411 </span><span class=\"S320E S2669 S2\" id=\"t79_141\">6,462,715 </span><span class=\"S2EE4 S266A S2\" id=\"t7a_141\">variable rate </span><span class=\"S320F S266A S2\" id=\"t7b_141\">7,070,054 </span><span class=\"S3210 S266A S2\" id=\"t7c_141\">6,635,697 </span><span class=\"S3211 S266A S2\" id=\"t7d_141\">- </span><span class=\"S3212 S266A S2\" id=\"t7e_141\">- </span><span class=\"S3213 S266A S2\" id=\"t7f_141\">1,487 </span><span class=\"S3214 S266A S2\" id=\"t7g_141\">- </span><span class=\"S2EEB S266A S2\" id=\"t7h_141\">- </span><span class=\"S3215 S266A S2\" id=\"t7i_141\">424 </span><span class=\"S2EED S266A S2\" id=\"t7j_141\">- </span><span class=\"S2EEE S266A S2\" id=\"t7k_141\">- </span><span class=\"S2EEF S266A S2\" id=\"t7l_141\">- </span><span class=\"S2EF0 S266A S2\" id=\"t7m_141\">- </span><span class=\"S2EF1 S266A S2\" id=\"t7n_141\">7,071,541 </span><span class=\"S2EF2 S266A S2\" id=\"t7o_141\">6,636,121 </span><span class=\"S2EF3 S2669 S2\" id=\"t7p_141\">13,707,662 </span><span class=\"S2EF4 S266A S2\" id=\"t7q_141\">non-interest-bearing </span><span class=\"S3216 S266A S2\" id=\"t7r_141\">- </span><span class=\"S3217 S266A S2\" id=\"t7s_141\">- </span><span class=\"S3218 S266A S2\" id=\"t7t_141\">- </span><span class=\"S3219 S266A S2\" id=\"t7u_141\">- </span><span class=\"S321A S266A S2\" id=\"t7v_141\">- </span><span class=\"S321B S266A S2\" id=\"t7w_141\">- </span><span class=\"S2EFB S266A S2\" id=\"t7x_141\">- </span><span class=\"S2EFC S266A S2\" id=\"t7y_141\">- </span><span class=\"S2EFD S266A S2\" id=\"t7z_141\">- </span><span class=\"S2EFE S266A S2\" id=\"t80_141\">- </span><span class=\"S2EFF S266A S2\" id=\"t81_141\">16,356 </span><span class=\"S2F00 S266A S2\" id=\"t82_141\">881,911 </span><span class=\"S2F01 S266A S2\" id=\"t83_141\">16,356 </span><span class=\"S2F02 S266A S2\" id=\"t84_141\">881,911 </span><span class=\"S2F03 S2669 S2\" id=\"t85_141\">898,267 </span><span class=\"S2F04 S2669 S2\" id=\"t86_141\">Liabilities from issued securities </span><span class=\"S321C S2669 S2\" id=\"t87_141\">864 </span><span class=\"S240E S2669 S2\" id=\"t88_141\">- </span><span class=\"S321D S2669 S2\" id=\"t89_141\">8,514 </span><span class=\"S321E S2669 S2\" id=\"t8a_141\">- </span><span class=\"S321F S2669 S2\" id=\"t8b_141\">170,732 </span><span class=\"S3220 S2669 S2\" id=\"t8c_141\">- </span><span class=\"S30EF S2669 S2\" id=\"t8d_141\">- </span><span class=\"S3221 S2669 S2\" id=\"t8e_141\">51 </span><span class=\"S2F0D S2669 S2\" id=\"t8f_141\">256,151 </span><span class=\"S30F1 S2669 S2\" id=\"t8g_141\">- </span><span class=\"S2D50 S2669 S2\" id=\"t8h_141\">- </span><span class=\"S2F0F S2669 S2\" id=\"t8i_141\">13 </span><span class=\"S2F10 S2669 S2\" id=\"t8j_141\">436,261 </span><span class=\"S3222 S2669 S2\" id=\"t8k_141\">64 </span><span class=\"S2F12 S2669 S2\" id=\"t8l_141\">436,325 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_141\">fixed rate </span><span class=\"S3223 S266A S2\" id=\"t8n_141\">211 </span><span class=\"S3224 S266A S2\" id=\"t8o_141\">- </span><span class=\"S3225 S266A S2\" id=\"t8p_141\">- </span><span class=\"S3226 S266A S2\" id=\"t8q_141\">- </span><span class=\"S3227 S266A S2\" id=\"t8r_141\">- </span><span class=\"S3228 S266A S2\" id=\"t8s_141\">- </span><span class=\"S30FA S266A S2\" id=\"t8t_141\">- </span><span class=\"S3229 S266A S2\" id=\"t8u_141\">51 </span><span class=\"S2F1B S266A S2\" id=\"t8v_141\">256,151 </span><span class=\"S30FC S266A S2\" id=\"t8w_141\">- </span><span class=\"S2D60 S266A S2\" id=\"t8x_141\">- </span><span class=\"S2D61 S266A S2\" id=\"t8y_141\">- </span><span class=\"S2F1D S266A S2\" id=\"t8z_141\">256,362 </span><span class=\"S322A S266A S2\" id=\"t90_141\">51 </span><span class=\"S2F1F S2669 S2\" id=\"t91_141\">256,413 </span><span class=\"S2C01 S266A S2\" id=\"t92_141\">variable rate </span><span class=\"S322B S266A S2\" id=\"t93_141\">653 </span><span class=\"S322C S266A S2\" id=\"t94_141\">- </span><span class=\"S322D S266A S2\" id=\"t95_141\">8,514 </span><span class=\"S322E S266A S2\" id=\"t96_141\">- </span><span class=\"S322F S266A S2\" id=\"t97_141\">170,732 </span><span class=\"S3230 S266A S2\" id=\"t98_141\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_141\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_141\">- </span><span class=\"S2F28 S266A S2\" id=\"t9b_141\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_141\">- </span><span class=\"S2D70 S266A S2\" id=\"t9d_141\">- </span><span class=\"S2D71 S266A S2\" id=\"t9e_141\">- </span><span class=\"S2F2A S266A S2\" id=\"t9f_141\">179,899 </span><span class=\"S2D73 S266A S2\" id=\"t9g_141\">- </span><span class=\"S2F2B S2669 S2\" id=\"t9h_141\">179,899 </span><span class=\"S2C11 S266A S2\" id=\"t9i_141\">non-interest-bearing </span><span class=\"S3231 S266A S2\" id=\"t9j_141\">- </span><span class=\"S3232 S266A S2\" id=\"t9k_141\">- </span><span class=\"S3233 S266A S2\" id=\"t9l_141\">- </span><span class=\"S3234 S266A S2\" id=\"t9m_141\">- </span><span class=\"S3235 S266A S2\" id=\"t9n_141\">- </span><span class=\"S3236 S266A S2\" id=\"t9o_141\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_141\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_141\">- </span><span class=\"S2F34 S266A S2\" id=\"t9r_141\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_141\">- </span><span class=\"S2F36 S266A S2\" id=\"t9t_141\">- </span><span class=\"S2F37 S266A S2\" id=\"t9u_141\">13 </span><span class=\"S2F38 S266A S2\" id=\"t9v_141\">- </span><span class=\"S2F39 S266A S2\" id=\"t9w_141\">13 </span><span class=\"S2F3A S2669 S2\" id=\"t9x_141\">13 </span><span class=\"S3237 SB S2\" id=\"t5_142\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_142\">As at 31 December 2021 [continued] </span><span class=\"S3238 S2669 S2\" id=\"t7_142\">LIABILITIES [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_142\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_142\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_142\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_142\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_142\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_142\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_142\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_142\">Over 2 years </span><span class=\"S3239 S2669 S2\" id=\"tg_142\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_142\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_142\">Total </span><span class=\"S323A S2669 S2\" id=\"tj_142\">HUF </span><span class=\"S323B S2669 S2\" id=\"tk_142\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tl_142\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_142\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_142\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_142\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_142\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_142\">Currency </span><span class=\"S323C S2669 S2\" id=\"tr_142\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_142\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_142\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_142\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_142\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_142\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_142\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_142\">financial instruments </span><span class=\"S2C3E S2669 S2\" id=\"tz_142\">941,607 </span><span class=\"S323D S2669 S2\" id=\"t10_142\">1,905,033 </span><span class=\"S323E S2669 S2\" id=\"t11_142\">220,057 </span><span class=\"S2F4A S2669 S2\" id=\"t12_142\">1,084,185 </span><span class=\"S2C42 S2669 S2\" id=\"t13_142\">709,948 </span><span class=\"S2F4B S2669 S2\" id=\"t14_142\">870,647 </span><span class=\"S2C44 S2669 S2\" id=\"t15_142\">12,943 </span><span class=\"S2F4C S2669 S2\" id=\"t16_142\">54,920 </span><span class=\"S323F S2669 S2\" id=\"t17_142\">96,381 </span><span class=\"S3240 S2669 S2\" id=\"t18_142\">77,044 </span><span class=\"S2F4E S2669 S2\" id=\"t19_142\">453,672 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_142\">388,146 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_142\">2,434,608 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_142\">4,379,975 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_142\">6,814,583 </span><span class=\"S2C4D S266A S2\" id=\"t1e_142\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1f_142\">721,374 </span><span class=\"S3241 S266A S2\" id=\"t1g_142\">1,714,718 </span><span class=\"S3242 S266A S2\" id=\"t1h_142\">151,795 </span><span class=\"S2F55 S266A S2\" id=\"t1i_142\">579,964 </span><span class=\"S2C52 S266A S2\" id=\"t1j_142\">526,007 </span><span class=\"S2F56 S266A S2\" id=\"t1k_142\">868,848 </span><span class=\"S2C54 S266A S2\" id=\"t1l_142\">12,398 </span><span class=\"S2F57 S266A S2\" id=\"t1m_142\">54,847 </span><span class=\"S3243 S266A S2\" id=\"t1n_142\">96,558 </span><span class=\"S3244 S266A S2\" id=\"t1o_142\">77,044 </span><span class=\"S2F59 S266A S2\" id=\"t1p_142\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_142\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_142\">1,508,132 </span><span class=\"S2F5C S266A S2\" id=\"t1s_142\">3,295,421 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_142\">4,803,553 </span><span class=\"S2C5C S266A S2\" id=\"t1u_142\">variable rate </span><span class=\"S3245 S266A S2\" id=\"t1v_142\">220,233 </span><span class=\"S3246 S266A S2\" id=\"t1w_142\">190,315 </span><span class=\"S311F S266A S2\" id=\"t1x_142\">68,262 </span><span class=\"S2F60 S266A S2\" id=\"t1y_142\">504,221 </span><span class=\"S2F61 S266A S2\" id=\"t1z_142\">183,941 </span><span class=\"S3247 S266A S2\" id=\"t20_142\">1,799 </span><span class=\"S3248 S266A S2\" id=\"t21_142\">545 </span><span class=\"S3249 S266A S2\" id=\"t22_142\">73 </span><span class=\"S324A S266A S2\" id=\"t23_142\">(177) </span><span class=\"S2C66 S266A S2\" id=\"t24_142\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_142\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_142\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_142\">472,804 </span><span class=\"S324B S266A S2\" id=\"t28_142\">696,408 </span><span class=\"S2AFF S2669 S2\" id=\"t29_142\">1,169,212 </span><span class=\"S2C6C S266A S2\" id=\"t2a_142\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2b_142\">- </span><span class=\"S3125 S266A S2\" id=\"t2c_142\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_142\">- </span><span class=\"S3126 S266A S2\" id=\"t2e_142\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_142\">- </span><span class=\"S324C S266A S2\" id=\"t2g_142\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_142\">- </span><span class=\"S324D S266A S2\" id=\"t2i_142\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_142\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_142\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_142\">453,672 </span><span class=\"S2F6B S266A S2\" id=\"t2m_142\">388,146 </span><span class=\"S2F6C S266A S2\" id=\"t2n_142\">453,672 </span><span class=\"S324E S266A S2\" id=\"t2o_142\">388,146 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_142\">841,818 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_142\">Leasing liabilities </span><span class=\"S324F S2669 S2\" id=\"t2r_142\">916 </span><span class=\"S3250 S2669 S2\" id=\"t2s_142\">7,401 </span><span class=\"S3251 S2669 S2\" id=\"t2t_142\">353 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_142\">1,076 </span><span class=\"S3252 S2669 S2\" id=\"t2v_142\">483 </span><span class=\"S2F74 S2669 S2\" id=\"t2w_142\">5,359 </span><span class=\"S3253 S2669 S2\" id=\"t2x_142\">892 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_142\">4,534 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_142\">1,011 </span><span class=\"S2F78 S2669 S2\" id=\"t30_142\">24,823 </span><span class=\"S2F79 S2669 S2\" id=\"t31_142\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_142\">6,438 </span><span class=\"S2F7B S2669 S2\" id=\"t33_142\">3,655 </span><span class=\"S2F7C S2669 S2\" id=\"t34_142\">49,631 </span><span class=\"S2F7D S2669 S2\" id=\"t35_142\">53,286 </span><span class=\"S2C8B S266A S2\" id=\"t36_142\">fixed rate </span><span class=\"S3254 S266A S2\" id=\"t37_142\">830 </span><span class=\"S3255 S266A S2\" id=\"t38_142\">6,948 </span><span class=\"S3256 S266A S2\" id=\"t39_142\">72 </span><span class=\"S2F81 S266A S2\" id=\"t3a_142\">435 </span><span class=\"S3257 S266A S2\" id=\"t3b_142\">7 </span><span class=\"S2F83 S266A S2\" id=\"t3c_142\">1,757 </span><span class=\"S3258 S266A S2\" id=\"t3d_142\">319 </span><span class=\"S2F85 S266A S2\" id=\"t3e_142\">2,582 </span><span class=\"S2F86 S266A S2\" id=\"t3f_142\">1,011 </span><span class=\"S2F87 S266A S2\" id=\"t3g_142\">17,403 </span><span class=\"S2F88 S266A S2\" id=\"t3h_142\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_142\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_142\">2,239 </span><span class=\"S2F8B S266A S2\" id=\"t3k_142\">29,125 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_142\">31,364 </span><span class=\"S2C9A S266A S2\" id=\"t3m_142\">variable rate </span><span class=\"S3259 S266A S2\" id=\"t3n_142\">86 </span><span class=\"S325A S266A S2\" id=\"t3o_142\">453 </span><span class=\"S325B S266A S2\" id=\"t3p_142\">281 </span><span class=\"S2F90 S266A S2\" id=\"t3q_142\">641 </span><span class=\"S325C S266A S2\" id=\"t3r_142\">476 </span><span class=\"S2F91 S266A S2\" id=\"t3s_142\">3,602 </span><span class=\"S325D S266A S2\" id=\"t3t_142\">573 </span><span class=\"S2F92 S266A S2\" id=\"t3u_142\">1,952 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_142\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3w_142\">7,420 </span><span class=\"S2F94 S266A S2\" id=\"t3x_142\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_142\">- </span><span class=\"S325E S266A S2\" id=\"t3z_142\">1,416 </span><span class=\"S2F97 S266A S2\" id=\"t40_142\">14,068 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_142\">15,484 </span><span class=\"S2CAA S266A S2\" id=\"t42_142\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t43_142\">- </span><span class=\"S3137 S266A S2\" id=\"t44_142\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_142\">- </span><span class=\"S3138 S266A S2\" id=\"t46_142\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_142\">- </span><span class=\"S325F S266A S2\" id=\"t48_142\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_142\">- </span><span class=\"S3260 S266A S2\" id=\"t4a_142\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_142\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_142\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_142\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_142\">6,438 </span><span class=\"S3261 S266A S2\" id=\"t4f_142\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_142\">6,438 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_142\">6,438 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_142\">Other financial liabilities </span><span class=\"S3262 S2669 S2\" id=\"t4j_142\">117,189 </span><span class=\"S3263 S2669 S2\" id=\"t4k_142\">50,063 </span><span class=\"S3264 S2669 S2\" id=\"t4l_142\">2,518 </span><span class=\"S3265 S2669 S2\" id=\"t4m_142\">672 </span><span class=\"S3266 S2669 S2\" id=\"t4n_142\">- </span><span class=\"S3267 S2669 S2\" id=\"t4o_142\">479 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_142\">- </span><span class=\"S3268 S2669 S2\" id=\"t4q_142\">133 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_142\">- </span><span class=\"S3269 S2669 S2\" id=\"t4s_142\">103 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_142\">173,503 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_142\">141,111 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_142\">293,210 </span><span class=\"S326A S2669 S2\" id=\"t4w_142\">192,561 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_142\">485,771 </span><span class=\"S2FAD S266A S2\" id=\"t4y_142\">fixed rate </span><span class=\"S2CBC S266A S2\" id=\"t4z_142\">117,185 </span><span class=\"S326B S266A S2\" id=\"t50_142\">50,046 </span><span class=\"S326C S266A S2\" id=\"t51_142\">907 </span><span class=\"S326D S266A S2\" id=\"t52_142\">564 </span><span class=\"S326E S266A S2\" id=\"t53_142\">- </span><span class=\"S326F S266A S2\" id=\"t54_142\">211 </span><span class=\"S2FB4 S266A S2\" id=\"t55_142\">- </span><span class=\"S3270 S266A S2\" id=\"t56_142\">133 </span><span class=\"S2FB6 S266A S2\" id=\"t57_142\">- </span><span class=\"S3271 S266A S2\" id=\"t58_142\">67 </span><span class=\"S2FB8 S266A S2\" id=\"t59_142\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_142\">- </span><span class=\"S3272 S266A S2\" id=\"t5b_142\">118,092 </span><span class=\"S2FBB S266A S2\" id=\"t5c_142\">51,021 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_142\">169,113 </span><span class=\"S2FBD S266A S2\" id=\"t5e_142\">variable rate </span><span class=\"S3273 S266A S2\" id=\"t5f_142\">4 </span><span class=\"S3274 S266A S2\" id=\"t5g_142\">17 </span><span class=\"S3275 S266A S2\" id=\"t5h_142\">1,611 </span><span class=\"S3276 S266A S2\" id=\"t5i_142\">108 </span><span class=\"S3277 S266A S2\" id=\"t5j_142\">- </span><span class=\"S3278 S266A S2\" id=\"t5k_142\">268 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_142\">- </span><span class=\"S3279 S266A S2\" id=\"t5m_142\">- </span><span class=\"S2FC6 S266A S2\" id=\"t5n_142\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_142\">36 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_142\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_142\">- </span><span class=\"S327A S266A S2\" id=\"t5r_142\">1,615 </span><span class=\"S327B S266A S2\" id=\"t5s_142\">429 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_142\">2,044 </span><span class=\"S2FCD S266A S2\" id=\"t5u_142\">non-interest-bearing </span><span class=\"S327C S266A S2\" id=\"t5v_142\">- </span><span class=\"S327D S266A S2\" id=\"t5w_142\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_142\">- </span><span class=\"S327E S266A S2\" id=\"t5y_142\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_142\">- </span><span class=\"S327F S266A S2\" id=\"t60_142\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_142\">- </span><span class=\"S3280 S266A S2\" id=\"t62_142\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_142\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_142\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_142\">173,503 </span><span class=\"S2FD9 S266A S2\" id=\"t66_142\">141,111 </span><span class=\"S2FDA S266A S2\" id=\"t67_142\">173,503 </span><span class=\"S3281 S266A S2\" id=\"t68_142\">141,111 </span><span class=\"S2FDC S2669 S2\" id=\"t69_142\">314,614 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_142\">Subordinated bonds and loans </span><span class=\"S2CE9 S2669 S2\" id=\"t6b_142\">- </span><span class=\"S314A S2669 S2\" id=\"t6c_142\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_142\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_142\">85,551 </span><span class=\"S2CED S2669 S2\" id=\"t6f_142\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_142\">186,225 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_142\">- </span><span class=\"S3282 S2669 S2\" id=\"t6i_142\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_142\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_142\">6,514 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_142\">- </span><span class=\"S3283 S2669 S2\" id=\"t6m_142\">44 </span><span class=\"S3284 S2669 S2\" id=\"t6n_142\">- </span><span class=\"S3285 S2669 S2\" id=\"t6o_142\">278,334 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_142\">278,334 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_142\">fixed rate </span><span class=\"S3286 S266A S2\" id=\"t6r_142\">- </span><span class=\"S3287 S266A S2\" id=\"t6s_142\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_142\">- </span><span class=\"S3288 S266A S2\" id=\"t6u_142\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_142\">- </span><span class=\"S3289 S266A S2\" id=\"t6w_142\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_142\">- </span><span class=\"S328A S266A S2\" id=\"t6y_142\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_142\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_142\">6,514 </span><span class=\"S2FF1 S266A S2\" id=\"t71_142\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_142\">- </span><span class=\"S328B S266A S2\" id=\"t73_142\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_142\">6,514 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_142\">6,514 </span><span class=\"S2FF6 S266A S2\" id=\"t76_142\">variable rate </span><span class=\"S328C S266A S2\" id=\"t77_142\">- </span><span class=\"S328D S266A S2\" id=\"t78_142\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_142\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_142\">85,551 </span><span class=\"S2FFB S266A S2\" id=\"t7b_142\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_142\">186,225 </span><span class=\"S2FFD S266A S2\" id=\"t7d_142\">- </span><span class=\"S328E S266A S2\" id=\"t7e_142\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_142\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_142\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_142\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_142\">- </span><span class=\"S328F S266A S2\" id=\"t7j_142\">- </span><span class=\"S3290 S266A S2\" id=\"t7k_142\">271,776 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_142\">271,776 </span><span class=\"S3005 S266A S2\" id=\"t7m_142\">non-interest-bearing </span><span class=\"S3291 S266A S2\" id=\"t7n_142\">- </span><span class=\"S3292 S266A S2\" id=\"t7o_142\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_142\">- </span><span class=\"S3293 S266A S2\" id=\"t7q_142\">- </span><span class=\"S300A S266A S2\" id=\"t7r_142\">- </span><span class=\"S3294 S266A S2\" id=\"t7s_142\">- </span><span class=\"S300C S266A S2\" id=\"t7t_142\">- </span><span class=\"S3295 S266A S2\" id=\"t7u_142\">- </span><span class=\"S300E S266A S2\" id=\"t7v_142\">- </span><span class=\"S300F S266A S2\" id=\"t7w_142\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_142\">- </span><span class=\"S3296 S266A S2\" id=\"t7y_142\">44 </span><span class=\"S3297 S266A S2\" id=\"t7z_142\">- </span><span class=\"S3298 S266A S2\" id=\"t80_142\">44 </span><span class=\"S3299 S2669 S2\" id=\"t81_142\">44 </span><span class=\"S329A S2669 S2\" id=\"t82_142\">Net position </span><span class=\"S329B S2669 S2\" id=\"t83_142\">(5,587,533) </span><span class=\"S329C S2669 S2\" id=\"t84_142\">(4,253,012) </span><span class=\"S329D S2669 S2\" id=\"t85_142\">578,409 </span><span class=\"S329E S2669 S2\" id=\"t86_142\">1,195,694 </span><span class=\"S301A S2669 S2\" id=\"t87_142\">313,809 </span><span class=\"S301B S2669 S2\" id=\"t88_142\">890,767 </span><span class=\"S329F S2669 S2\" id=\"t89_142\">278,494 </span><span class=\"S301D S2669 S2\" id=\"t8a_142\">669,788 </span><span class=\"S32A0 S2669 S2\" id=\"t8b_142\">4,861,168 </span><span class=\"S301F S2669 S2\" id=\"t8c_142\">2,556,377 </span><span class=\"S3020 S2669 S2\" id=\"t8d_142\">(161,996) </span><span class=\"S32A1 S2669 S2\" id=\"t8e_142\">991,937 </span><span class=\"S32A2 S2669 S2\" id=\"t8f_142\">282,351 </span><span class=\"S3023 S2669 S2\" id=\"t8g_142\">2,051,551 </span><span class=\"S3024 S2669 S2\" id=\"t8h_142\">2,333,902 </span><span class=\"SA50 SB S2\" id=\"t5_143\">37.5. Market risk </span><span class=\"S18C1 SA7 S2\" id=\"t6_143\">The Group takes on exposure to market risks. Market risks arise from open positions in interest rate, currency and </span><span class=\"S32A3 SA7 S2\" id=\"t7_143\">equity products, all of which </span><span class=\"S32A4 S5B9 S2\" id=\"t8_143\">are exposed to general and specific market movements. The Group applies a \u2018Value</span><span class=\"S32A5 SA7 S2\" id=\"t9_143\">- </span><span class=\"S32A6 SA7 S2\" id=\"ta_143\">at-</span><span class=\"S32A7 S5B9 S2\" id=\"tb_143\">Risk\u2019 (VaR) methodology to estimate the market risk of positions held and the maximum losses expected, based </span><span class=\"S32A8 SA7 S2\" id=\"tc_143\">upon a number of assumptions for various changes in market conditions. The Management Board sets limits on </span><span class=\"S96F SA7 S2\" id=\"td_143\">the value of risk that may be accepted, which is monitored on a daily basis. (Analysis of liquidity risk, foreign </span><span class=\"S32A9 SA7 S2\" id=\"te_143\">currency risk and interest rate risk is detailed in Notes 37.2., 37.3. and 37.4., respectively.) </span><span class=\"S28FA SB S2\" id=\"tf_143\">37.5.1. </span><span class=\"S32AA SB S2\" id=\"tg_143\">Market Risk sensitivity analysis </span><span class=\"S32AB SA7 S2\" id=\"th_143\">The VaR risk measure estimates the potential loss in pre-tax profit over a given holding period for a specified </span><span class=\"S819 SA7 S2\" id=\"ti_143\">confidence level. </span><span class=\"S32AC SA7 S2\" id=\"tj_143\">The VaR methodology is a statistically defined, probability-based approach that takes into account market </span><span class=\"S32AD SA7 S2\" id=\"tk_143\">volatilities as well as risk diversification by recognizing offsetting positions and correlations between products and </span><span class=\"S32AE SA7 S2\" id=\"tl_143\">markets. Risks can be measured consistently across all markets and products, and risk measures can be aggregated </span><span class=\"S32AF SA7 S2\" id=\"tm_143\">to arrive at a single risk number. The one-day 99% VaR number used by the Group reflects the 99% probability </span><span class=\"S32B0 SA7 S2\" id=\"tn_143\">that the daily loss will not exceed the reported VaR. </span><span class=\"S32B1 SA7 S2\" id=\"to_143\">VaR methodologies are employed to calculate daily risk numbers include the historical and variance-covariance </span><span class=\"S32B2 SA7 S2\" id=\"tp_143\">approach. The diversification effect has not been validated among the various market risk types when capital </span><span class=\"SA31 SA7 S2\" id=\"tq_143\">calculation happens. </span><span class=\"S32B3 SA7 S2\" id=\"tr_143\">In addition to these two methodologies, Monte Carlo simulations are applied to the various portfolios on a monthly </span><span class=\"S32B4 SA7 S2\" id=\"ts_143\">basis to determine potential future exposure. </span><span class=\"S75A SA7 S2\" id=\"tt_143\">The VaR of the trading portfolio can be summarized as follows (in HUF mn): </span><span class=\"S32B5 SB S2\" id=\"tu_143\">Historical VaR (99%, one-day) by risk type </span><span class=\"S32B6 SB S2\" id=\"tv_143\">Average VaR </span><span class=\"S32B7 SB S2\" id=\"tw_143\">2022 </span><span class=\"S32B8 SB S2\" id=\"tx_143\">2021 </span><span class=\"S32B9 SA7 S2\" id=\"ty_143\">Foreign exchange </span><span class=\"S32BA SA7 S2\" id=\"tz_143\">5,896 </span><span class=\"S32BB SA7 S2\" id=\"t10_143\">1,691 </span><span class=\"S32BC SA7 S2\" id=\"t11_143\">Interest rate </span><span class=\"S32BD SA7 S2\" id=\"t12_143\">890 </span><span class=\"S32BE SA7 S2\" id=\"t13_143\">212 </span><span class=\"S32BF SA7 S2\" id=\"t14_143\">Equity instruments </span><span class=\"S32C0 SA7 S2\" id=\"t15_143\">42 </span><span class=\"S32C1 SA7 S2\" id=\"t16_143\">20 </span><span class=\"S32C2 SA7 S2\" id=\"t17_143\">Diversification </span><span class=\"S32C3 SA7 S2\" id=\"t18_143\">- </span><span class=\"S32C4 SA7 S2\" id=\"t19_143\">- </span><span class=\"S32C5 SB S2\" id=\"t1a_143\">Total VaR exposure </span><span class=\"S32C6 SB S2\" id=\"t1b_143\">6,829 </span><span class=\"S32C7 SB S2\" id=\"t1c_143\">1,923 </span><span class=\"S32C8 SA7 S2\" id=\"t1d_143\">The table above shows the VaR figures by asset classes. Since processes driving the value of the major asset classes </span><span class=\"S32C9 SA7 S2\" id=\"t1e_143\">are not independent (for example the depreciation of HUF against the EUR mostly coincide with the increase of </span><span class=\"S32CA SA7 S2\" id=\"t1f_143\">the yields of Hungarian Government Bonds), a diversification impact emerges, so the overall VaR is less than the </span><span class=\"S32CB SA7 S2\" id=\"t1g_143\">sum of the VaR of each individual asset class. </span><span class=\"S32CC S5B9 S2\" id=\"t1h_143\">While VaR captures the Group\u2019s daily exposure to currency and interest rate risk, sensitivity analysis evaluates </span><span class=\"S32CD SA7 S2\" id=\"t1i_143\">the impact of a reasonably possible change in interest or foreign currency rates over a year. The longer time frame </span><span class=\"S32CE SA7 S2\" id=\"t1j_143\">of sensitivity analysis complements VaR and helps the Group to assess its market risk exposures. Details of </span><span class=\"S32CF SA7 S2\" id=\"t1k_143\">sensitivity analysis for foreign currency risk are set out in Note 37.5.2., for interest rate risk in Note 37.5.3., and </span><span class=\"SDB6 SA7 S2\" id=\"t1l_143\">for equity price sensitivity analysis in Note 37.5.4. </span><span class=\"SA7F SB S2\" id=\"t5_144\">37.5.  Market risk [continued] </span><span class=\"S32D0 SB S2\" id=\"t6_144\">37.5.2.  Foreign currency sensitivity analysis </span><span class=\"S32D1 SA7 S2\" id=\"t7_144\">The Bank changed its methodology of foreign currency sensitivity analysis and has been using a historical VaR </span><span class=\"S32D2 S5B9 S2\" id=\"t8_144\">calculation since 31 March 2021. The former Monte Carlo simulation represented the Group\u2019s sensitivity to the </span><span class=\"S32D3 SA7 S2\" id=\"t9_144\">rise and fall in the HUF exchange rate against EUR, over a 3-month period. The sensitivity analysis included only </span><span class=\"S32D4 SA7 S2\" id=\"ta_144\">outstanding foreign currency denominated monetary items as strategic open positions related to foreign activities. </span><span class=\"S32D5 SA7 S2\" id=\"tb_144\">In line with the Management's intention, the former EUR (310) million strategic open position was fully closed as </span><span class=\"S846 SA7 S2\" id=\"tc_144\">at 31 March 2021. </span><span class=\"S32D6 SA7 S2\" id=\"td_144\">Since the closing of the strategic open position, the Group has been using a historical VaR calculation with a 1 day </span><span class=\"S32D7 SA7 S2\" id=\"te_144\">holding period. The analysis includes the same net open foreign exchange position as used under the internal </span><span class=\"S32D8 SA7 S2\" id=\"tf_144\">capital adequacy assessment process (ICAAP). The VaR methodology is a statistically defined, probability-based </span><span class=\"S32D9 SA7 S2\" id=\"tg_144\">approach that takes into account market volatilities as well as risk diversification by recognizing offsetting </span><span class=\"S32DA SA7 S2\" id=\"th_144\">positions and correlations between products and markets. </span><span class=\"S9DA SA7 S2\" id=\"ti_144\">Additionally, the Bank determines the foreign currency risk of assets evaluated through the Other Comprehensive </span><span class=\"S1893 SA7 S2\" id=\"tj_144\">Income, which includes securities valuated on fair value through other comprehensive income and the foreign </span><span class=\"S32DB SA7 S2\" id=\"tk_144\">currency translation reserves. </span><span class=\"S32DC SA7 S2\" id=\"tl_144\">The following table shows the result of the foreign currency sensitivity analysis. </span><span class=\"S1E56 SA7 S2\" id=\"tm_144\">The numbers below indicate the expected daily profit or loss of the portfolio beside the given confidence level. </span><span class=\"S32DD SB S2\" id=\"tn_144\">Probability </span><span class=\"S32DE SB S2\" id=\"to_144\">Effects to the Consolidated </span><span class=\"S32DF SB S2\" id=\"tp_144\">Statement of Profit or Loss </span><span class=\"S32E0 SB S2\" id=\"tq_144\">Effects to the Consolidated </span><span class=\"S32E1 SB S2\" id=\"tr_144\">Statement of Other </span><span class=\"S32E2 SB S2\" id=\"ts_144\">Comprehensive Income </span><span class=\"S32E3 SB S2\" id=\"tt_144\">In HUF million </span><span class=\"S32E4 SB S2\" id=\"tu_144\">In HUF million </span><span class=\"S32E5 SB S2\" id=\"tv_144\">2022 </span><span class=\"S32E6 SB S2\" id=\"tw_144\">2021 </span><span class=\"S32E7 SB S2\" id=\"tx_144\">2022 </span><span class=\"S32E8 SB S2\" id=\"ty_144\">2021 </span><span class=\"S32E9 SA7 S2\" id=\"tz_144\">1% </span><span class=\"S32EA SA7 S2\" id=\"t10_144\">(4,746) </span><span class=\"S32EB SA7 S2\" id=\"t11_144\">(194) </span><span class=\"S32EC SA7 S2\" id=\"t12_144\">(5,604) </span><span class=\"S32ED SA7 S2\" id=\"t13_144\">(1,707) </span><span class=\"S32EE SA7 S2\" id=\"t14_144\">5% </span><span class=\"S32EF SA7 S2\" id=\"t15_144\">(2,542) </span><span class=\"S32F0 SA7 S2\" id=\"t16_144\">(132) </span><span class=\"S32F1 SA7 S2\" id=\"t17_144\">(2,992) </span><span class=\"S32F2 SA7 S2\" id=\"t18_144\">(1,038) </span><span class=\"S32F3 SA7 S2\" id=\"t19_144\">25% </span><span class=\"S32F4 SA7 S2\" id=\"t1a_144\">(843) </span><span class=\"S32F5 SA7 S2\" id=\"t1b_144\">(50) </span><span class=\"S32F6 SA7 S2\" id=\"t1c_144\">(1,190) </span><span class=\"S32F7 SA7 S2\" id=\"t1d_144\">(398) </span><span class=\"S32F8 SA7 S2\" id=\"t1e_144\">50% </span><span class=\"S32F9 SA7 S2\" id=\"t1f_144\">(15) </span><span class=\"S32FA SA7 S2\" id=\"t1g_144\">(1) </span><span class=\"S32FB SA7 S2\" id=\"t1h_144\">(235) </span><span class=\"S32FC SA7 S2\" id=\"t1i_144\">98 </span><span class=\"S32FD SA7 S2\" id=\"t1j_144\">25% </span><span class=\"S32FE SA7 S2\" id=\"t1k_144\">990 </span><span class=\"S32FF SA7 S2\" id=\"t1l_144\">53 </span><span class=\"S3300 SA7 S2\" id=\"t1m_144\">834 </span><span class=\"S3301 SA7 S2\" id=\"t1n_144\">531 </span><span class=\"S3302 SA7 S2\" id=\"t1o_144\">5% </span><span class=\"S3303 SA7 S2\" id=\"t1p_144\">2,837 </span><span class=\"S3304 SA7 S2\" id=\"t1q_144\">142 </span><span class=\"S3305 SA7 S2\" id=\"t1r_144\">2,415 </span><span class=\"S3306 SA7 S2\" id=\"t1s_144\">1,215 </span><span class=\"S3307 SA7 S2\" id=\"t1t_144\">1% </span><span class=\"S3308 SA7 S2\" id=\"t1u_144\">4,245 </span><span class=\"S3309 SA7 S2\" id=\"t1v_144\">221 </span><span class=\"S330A SA7 S2\" id=\"t1w_144\">4,767 </span><span class=\"S330B SA7 S2\" id=\"t1x_144\">1,509 </span><span class=\"S330C SA7 S2\" id=\"t1y_144\">Note: </span><span class=\"S330D SA7 S2\" id=\"t1z_144\">(1) Historical VaR simulation is based on the empirical distribution of the historical exchange rate movements </span><span class=\"S330E SA7 S2\" id=\"t20_144\">between 31 December 2021 and 2022. </span><span class=\"SA7F SB S2\" id=\"t5_145\">37.5.  Market risk [continued] </span><span class=\"S330F SB S2\" id=\"t6_145\">37.5.3.  Interest rate sensitivity analysis </span><span class=\"S3310 SA7 S2\" id=\"t7_145\">The sensitivity analyses below have been determined based on the exposure to interest rates for both derivatives </span><span class=\"S3311 SA7 S2\" id=\"t8_145\">and non-derivative instruments at the balance sheet date. The analysis is prepared assuming the amount of assets </span><span class=\"S3312 SA7 S2\" id=\"t9_145\">and liabilities outstanding at the balance sheet date was outstanding for the whole year. The analysis was prepared </span><span class=\"S10F0 SA7 S2\" id=\"ta_145\">by assuming only adverse interest rate changes. The main assumptions were as follows: </span><span class=\"S3313 S602 S2\" id=\"tb_145\">\u2022 </span><span class=\"S3314 SA7 S2\" id=\"tc_145\">Floating rate assets and liabilities were repriced to the modelled benchmark yields at the repricing dates </span><span class=\"S3315 SA7 S2\" id=\"td_145\">assuming the unchanged margin compared to the last repricing. </span><span class=\"S3316 S602 S2\" id=\"te_145\">\u2022 </span><span class=\"S3317 SA7 S2\" id=\"tf_145\">Fixed rate assets and liabilities were repriced at the contractual maturity date. </span><span class=\"S3318 S602 S2\" id=\"tg_145\">\u2022 </span><span class=\"S3319 SA7 S2\" id=\"th_145\">As for liabilities with discretionary repricing feature by the Bank were assumed to be repriced with two- </span><span class=\"S331A SA7 S2\" id=\"ti_145\">weeks delay, assuming no change in the margin compared to the last repricing date. </span><span class=\"S331B S602 S2\" id=\"tj_145\">\u2022 </span><span class=\"S331C SA7 S2\" id=\"tk_145\">Deposits with an interest rate lower than 0.3% even at high market rates were assumed to be unchanged </span><span class=\"S331D SA7 S2\" id=\"tl_145\">for the whole period. </span><span class=\"S331E SA7 S2\" id=\"tm_145\">The sensitivity of interest income to changes in BUBOR was analysed by assuming two interest rate path scenarios: </span><span class=\"S331F SA7 S2\" id=\"tn_145\">(1) BUBOR increases gradually by 100 bps over the next year (probable scenario) </span><span class=\"S3320 SA7 S2\" id=\"to_145\">(2) BUBOR decreases gradually by 50 bps over the next year (alternative scenario) </span><span class=\"S3321 SA7 S2\" id=\"tp_145\">The net interest income in a one-year period after 1 January 2023 would be decreased by HUF (9,002) million </span><span class=\"S3322 SA7 S2\" id=\"tq_145\">(probable scenario) and increased by HUF 4,306 million (alternative scenario) as a result of these simulation. A </span><span class=\"S3323 SA7 S2\" id=\"tr_145\">similar simulation indicated HUF 1,487 million increase (probable scenario) and HUF (1,025) million (alternative </span><span class=\"S3324 SA7 S2\" id=\"ts_145\">scenario) decrease in the Net interest income in a one-year period after 1 January 2022. </span><span class=\"S3325 SA7 S2\" id=\"tt_145\">This effect is further enhanced by capital results HUF (350) million (for probable scenario) and HUF 181 million </span><span class=\"S3326 SA7 S2\" id=\"tu_145\">(for alternative scenario) as at 31 December 2022, the comparative results were (HUF (619) million for probable </span><span class=\"S3327 SA7 S2\" id=\"tv_145\">scenario, HUF 322 million for alternative scenario as at 31 December 2021) on the government bond portfolio </span><span class=\"S3328 SA7 S2\" id=\"tw_145\">held for hedging (economic). </span><span class=\"S3329 SA7 S2\" id=\"tx_145\">Furthermore, the effects of an instant 10bps parallel shift of the HUF, EUR and USD yield-curves on net interest </span><span class=\"S332A SA7 S2\" id=\"ty_145\">income over a one-year period and on the market value of the hedge government bond at fair value through other </span><span class=\"S332B SA7 S2\" id=\"tz_145\">comprehensive income portfolio booked against capital was analysed. The results can be summarized as follows </span><span class=\"S332C SA7 S2\" id=\"t10_145\">(in HUF million): </span><span class=\"S332D SB S2\" id=\"t11_145\">2022 </span><span class=\"S332E SB S2\" id=\"t12_145\">2021 </span><span class=\"S332F SB S2\" id=\"t13_145\">Description </span><span class=\"S3330 SB S2\" id=\"t14_145\">Effects to the </span><span class=\"S3331 SB S2\" id=\"t15_145\">net interest </span><span class=\"S3332 SB S2\" id=\"t16_145\">income </span><span class=\"S3333 SB S2\" id=\"t17_145\">Effects to </span><span class=\"S3334 SB S2\" id=\"t18_145\">capital </span><span class=\"S3335 SB S2\" id=\"t19_145\">Effects to the </span><span class=\"S3336 SB S2\" id=\"t1a_145\">net interest </span><span class=\"S3337 SB S2\" id=\"t1b_145\">income </span><span class=\"S3338 SB S2\" id=\"t1c_145\">Effects to </span><span class=\"S3339 SB S2\" id=\"t1d_145\">capital </span><span class=\"S333A SA7 S2\" id=\"t1e_145\">HUF (0.1%) parallel shift </span><span class=\"S333B SA7 S2\" id=\"t1f_145\">1,669 </span><span class=\"S333C SA7 S2\" id=\"t1g_145\">36 </span><span class=\"S333D SA7 S2\" id=\"t1h_145\">(105) </span><span class=\"S333E SA7 S2\" id=\"t1i_145\">64 </span><span class=\"S333F SA7 S2\" id=\"t1j_145\">HUF 0.1% parallel shift </span><span class=\"S3340 SA7 S2\" id=\"t1k_145\">(1,667) </span><span class=\"S3341 SA7 S2\" id=\"t1l_145\">(36) </span><span class=\"S3342 SA7 S2\" id=\"t1m_145\">44 </span><span class=\"S3343 SA7 S2\" id=\"t1n_145\">(64) </span><span class=\"S3344 SA7 S2\" id=\"t1o_145\">EUR (0.1%) parallel shift </span><span class=\"S3345 SA7 S2\" id=\"t1p_145\">(3,661) </span><span class=\"S3346 SA7 S2\" id=\"t1q_145\">- </span><span class=\"S3347 SA7 S2\" id=\"t1r_145\">(1,989) </span><span class=\"S3348 SA7 S2\" id=\"t1s_145\">- </span><span class=\"S3349 SA7 S2\" id=\"t1t_145\">USD (0.1%) parallel shift </span><span class=\"S334A SA7 S2\" id=\"t1u_145\">119 </span><span class=\"S334B SA7 S2\" id=\"t1v_145\">- </span><span class=\"S334C SA7 S2\" id=\"t1w_145\">(257) </span><span class=\"S334D SA7 S2\" id=\"t1x_145\">- </span><span class=\"S334E SA7 S2\" id=\"t1y_145\">USD 0.1% parallel shift </span><span class=\"S334F SA7 S2\" id=\"t1z_145\">(290) </span><span class=\"S3350 SA7 S2\" id=\"t20_145\">- </span><span class=\"S3351 SA7 S2\" id=\"t21_145\">85 </span><span class=\"S3352 SA7 S2\" id=\"t22_145\">- </span><span class=\"SA7F SB S2\" id=\"t5_146\">37.5.  Market risk [continued] </span><span class=\"S3353 SB S2\" id=\"t6_146\">37.5.4.  Equity price sensitivity analysis </span><span class=\"S3354 SA7 S2\" id=\"t7_146\">The following table shows the effect of the equity price sensitivity. The Group uses VaR calculation with 1 day </span><span class=\"S3355 SA7 S2\" id=\"t8_146\">holding period and a 99% confidence level. The VaR methodology is a statistically defined, probability-based </span><span class=\"S3356 SA7 S2\" id=\"t9_146\">approach that takes into account market volatilities as well as risk diversification by recognizing offsetting </span><span class=\"S3357 SA7 S2\" id=\"ta_146\">positions and correlations between products and markets. The daily loss will not exceed the reported VaR number </span><span class=\"S8B2 SA7 S2\" id=\"tb_146\">with 99% of probability. </span><span class=\"S3358 SA7 S2\" id=\"tc_146\">The stress test assumes the largest price movement of the last year and calculates with it as the adverse direction. </span><span class=\"S3359 SA7 S2\" id=\"td_146\">These scenarios show the loss of the portfolio when all prices change with the maximum amount of the last year. </span><span class=\"S335A SB S2\" id=\"te_146\">Description </span><span class=\"S335B SB S2\" id=\"tf_146\">2022 </span><span class=\"S335C SB S2\" id=\"tg_146\">2021 </span><span class=\"S335D SA7 S2\" id=\"th_146\">VaR (99%, one day, HUF million) </span><span class=\"S335E SA7 S2\" id=\"ti_146\">15 </span><span class=\"S335F SA7 S2\" id=\"tj_146\">12 </span><span class=\"S3360 SA7 S2\" id=\"tk_146\">Stress test (HUF million) </span><span class=\"S3361 SA7 S2\" id=\"tl_146\">(26) </span><span class=\"S3362 SA7 S2\" id=\"tm_146\">(21) </span><span class=\"S3363 SB S2\" id=\"t5_147\">37.6. Capital management </span><span class=\"S3364 SB S2\" id=\"t6_147\">Capital management </span><span class=\"S3365 SA7 S2\" id=\"t7_147\">The primary objective of the capital management of the Group is to ensure the prudent operation, the entire </span><span class=\"S3366 SA7 S2\" id=\"t8_147\">compliance with the prescriptions of the regulator for a persistent business operation and maximising the </span><span class=\"S3367 SA7 S2\" id=\"t9_147\">shareholder value, accompanied by an optimal financing structure. </span><span class=\"S3368 SA7 S2\" id=\"ta_147\">The capital management of the Group members includes the management and evaluation of the shareholders` </span><span class=\"S3369 SA7 S2\" id=\"tb_147\">equity and other types of funds available for hedging risks, to be recorded in the equity and all material risks to be </span><span class=\"S336A SA7 S2\" id=\"tc_147\">covered by the capital. </span><span class=\"S336B SA7 S2\" id=\"td_147\">The basis of the capital management of the Group members in the short run is the continuous monitoring of their </span><span class=\"S336C SA7 S2\" id=\"te_147\">capital position, in the long run the strategic and the business planning, which includes the monitoring and forecast </span><span class=\"S976 SA7 S2\" id=\"tf_147\">of the capital position. </span><span class=\"S336D SA7 S2\" id=\"tg_147\">The Group members maintain the capital adequacy required by the regulatory bodies and the planned risk taking </span><span class=\"S336E SA7 S2\" id=\"th_147\">mainly by means of ensuring and developing their profitability. In the event that the planned risk level of a Group </span><span class=\"S336F SA7 S2\" id=\"ti_147\">member exceeded its Core and the previously raised Supplementary capital, it ensures the prudent operation by </span><span class=\"S3370 SA7 S2\" id=\"tj_147\">occasional measures. A further tool in the capital management of the Bank is the dividend policy, and the </span><span class=\"S3371 SA7 S2\" id=\"tk_147\">transactions performed with the treasury shares. </span><span class=\"S3372 SB S2\" id=\"tl_147\">Capital adequacy </span><span class=\"S3373 SA7 S2\" id=\"tm_147\">The Capital Requirements Directive package (CRDIV/CRR) transposes the new global standards on banking </span><span class=\"S3374 SA7 S2\" id=\"tn_147\">regulation (known as the Basel III agreement) into the EU legal framework. The new rules are applied from 1 </span><span class=\"S3375 SA7 S2\" id=\"to_147\">January 2014. They set stronger prudential requirements for institutions, requiring them to keep sufficient capital </span><span class=\"S18BD SA7 S2\" id=\"tp_147\">reserves and liquidity. This new framework makes institutions in the EU more solid and strengthens their capacity </span><span class=\"SA38 SA7 S2\" id=\"tq_147\">to adequately manage the risks linked to their activities and absorb any losses they may incur in doing business. </span><span class=\"S3376 SA7 S2\" id=\"tr_147\">The capital adequacy of the Group is supervised based on the financial statements data prepared in accordance </span><span class=\"S5D9 SA7 S2\" id=\"ts_147\">with IFRS applying the current directives, rulings and indicators from 1 January 2014. </span><span class=\"S3377 SA7 S2\" id=\"tt_147\">The Group uses the standard method for determining the regulatory capital requirements of the credit risk and </span><span class=\"S3378 S5B9 S2\" id=\"tu_147\">market risk, and parallel to that, the base indicator method, and the advanced method (\u201cAMA\u201d) in case of the </span><span class=\"S3379 SA7 S2\" id=\"tv_147\">operational risk. </span><span class=\"S337A SA7 S2\" id=\"tw_147\">For international comparison purposes, the Group calculated the Regulatory capital based on IFRS data as adopted </span><span class=\"S337B SA7 S2\" id=\"tx_147\">by the EU, and the consolidated Capital adequacy ratio based on this in accordance with the regulations of Basel </span><span class=\"S337C SA7 S2\" id=\"ty_147\">III. The Capital adequacy ratio of the Group (IFRS) was 17.5%, the Regulatory capital was HUF 3,565,933 million </span><span class=\"S337D SA7 S2\" id=\"tz_147\">and the Total regulatory capital requirement was HUF 1,632,426 million as at 31 December 2022. The same ratios </span><span class=\"S337E SA7 S2\" id=\"t10_147\">calculated as at 31 December 2021 were the following: 19.1%, HUF 3,191,765 million and HUF 1,335,305 </span><span class=\"S2916 SA7 S2\" id=\"t11_147\">million. </span><span class=\"SA7F SB S2\" id=\"t5_148\">37.6.  Capital management [continued] </span><span class=\"SC44 SB S2\" id=\"t6_148\">Capital adequacy [continued] </span><span class=\"S337F SB S2\" id=\"t7_148\">Calculation on IFRS basis (in HUF million) </span><span class=\"SE8E SB S2\" id=\"t8_148\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_148\">2021 </span><span class=\"S3380 SB S2\" id=\"ta_148\">Core capital (Tier 1) = </span><span class=\"S3381 SB S2\" id=\"tb_148\">3,277,984 </span><span class=\"S3382 SB S2\" id=\"tc_148\">2,926,882 </span><span class=\"S3383 SB S2\" id=\"td_148\">Common Equity Tier 1 (CET 1) </span><span class=\"S249C SA7 S2\" id=\"te_148\">Issued capital </span><span class=\"SFFF SA7 S2\" id=\"tf_148\">28,000 </span><span class=\"S249D SA7 S2\" id=\"tg_148\">28,000 </span><span class=\"S3384 SA7 S2\" id=\"th_148\">Reserves </span><span class=\"S3385 SE8B S2\" id=\"ti_148\">1 </span><span class=\"S3386 SA7 S2\" id=\"tj_148\">3,154,801 </span><span class=\"S3387 SA7 S2\" id=\"tk_148\">2,896,118 </span><span class=\"S3388 SA7 S2\" id=\"tl_148\">Fair value adjustments </span><span class=\"S3389 SA7 S2\" id=\"tm_148\">(135,081) </span><span class=\"S338A SA7 S2\" id=\"tn_148\">(15,715) </span><span class=\"S338B SA7 S2\" id=\"to_148\">Other capital components </span><span class=\"S24A3 SA7 S2\" id=\"tp_148\">286,963 </span><span class=\"S24A4 SA7 S2\" id=\"tq_148\">104,326 </span><span class=\"S338C SA7 S2\" id=\"tr_148\">Non-controlling interests </span><span class=\"S24A6 SA7 S2\" id=\"ts_148\">2,485 </span><span class=\"S100C SA7 S2\" id=\"tt_148\">1,996 </span><span class=\"S338D SA7 S2\" id=\"tu_148\">Treasury shares </span><span class=\"S338E SA7 S2\" id=\"tv_148\">(119,138) </span><span class=\"S338F SA7 S2\" id=\"tw_148\">(121,941) </span><span class=\"S3390 SA7 S2\" id=\"tx_148\">Goodwill and other intangible assets </span><span class=\"S3391 SA7 S2\" id=\"ty_148\">(170,344) </span><span class=\"S3392 SA7 S2\" id=\"tz_148\">(183,440) </span><span class=\"S3393 SA7 S2\" id=\"t10_148\">Other adjustments </span><span class=\"S3394 SA7 S2\" id=\"t11_148\">230,298 </span><span class=\"S3395 SA7 S2\" id=\"t12_148\">217,538 </span><span class=\"S3396 SA7 S2\" id=\"t13_148\">Additional Tier 1 (AT1) </span><span class=\"S3397 SA7 S2\" id=\"t14_148\">- </span><span class=\"S3398 SA7 S2\" id=\"t15_148\">- </span><span class=\"S3399 SB S2\" id=\"t16_148\">Supplementary capital (Tier 2) </span><span class=\"S339A SB S2\" id=\"t17_148\">287,949 </span><span class=\"S339B SB S2\" id=\"t18_148\">264,883 </span><span class=\"S339C SA7 S2\" id=\"t19_148\">Subordinated bonds and loans </span><span class=\"S183B SA7 S2\" id=\"t1a_148\">287,362 </span><span class=\"S183C SA7 S2\" id=\"t1b_148\">264,397 </span><span class=\"S339D SA7 S2\" id=\"t1c_148\">Other issued capital components </span><span class=\"S339E SA7 S2\" id=\"t1d_148\">- </span><span class=\"S339F SA7 S2\" id=\"t1e_148\">- </span><span class=\"S33A0 SA7 S2\" id=\"t1f_148\">Components recognized in T2 capital </span><span class=\"S33A1 SA7 S2\" id=\"t1g_148\">issued by subsidiaries </span><span class=\"S33A2 SA7 S2\" id=\"t1h_148\">587 </span><span class=\"S33A3 SA7 S2\" id=\"t1i_148\">486 </span><span class=\"S33A4 SB S2\" id=\"t1j_148\">Regulatory capital </span><span class=\"S33A5 SB S2\" id=\"t1k_148\">3,565,933 </span><span class=\"S33A6 SB S2\" id=\"t1l_148\">3,191,765 </span><span class=\"S33A7 SA7 S2\" id=\"t1m_148\">Credit risk capital requirement </span><span class=\"S33A8 SA7 S2\" id=\"t1n_148\">1,478,168 </span><span class=\"S33A9 SA7 S2\" id=\"t1o_148\">1,199,423 </span><span class=\"S33AA SA7 S2\" id=\"t1p_148\">Market risk capital requirement </span><span class=\"S33AB SA7 S2\" id=\"t1q_148\">29,322 </span><span class=\"S33AC SA7 S2\" id=\"t1r_148\">13,440 </span><span class=\"S33AD SA7 S2\" id=\"t1s_148\">Operational risk capital requirement </span><span class=\"S33AE SA7 S2\" id=\"t1t_148\">124,936 </span><span class=\"S33AF SA7 S2\" id=\"t1u_148\">122,442 </span><span class=\"S33B0 SB S2\" id=\"t1v_148\">Total requirement regulatory capital </span><span class=\"S33B1 SB S2\" id=\"t1w_148\">1,632,426 </span><span class=\"S33B2 SB S2\" id=\"t1x_148\">1,335,305 </span><span class=\"S33B3 SB S2\" id=\"t1y_148\">Surplus capital </span><span class=\"S33B4 SB S2\" id=\"t1z_148\">1,933,507 </span><span class=\"S33B5 SB S2\" id=\"t20_148\">1,856,460 </span><span class=\"S33B6 SA7 S2\" id=\"t21_148\">CET 1 ratio </span><span class=\"S33B7 SA7 S2\" id=\"t22_148\">16.10% </span><span class=\"S33B8 SA7 S2\" id=\"t23_148\">17.50% </span><span class=\"S33B9 SA7 S2\" id=\"t24_148\">Tier 1 ratio </span><span class=\"S33BA SA7 S2\" id=\"t25_148\">16.10% </span><span class=\"S33BB SA7 S2\" id=\"t26_148\">17.50% </span><span class=\"S33BC SB S2\" id=\"t27_148\">Capital adequacy ratio </span><span class=\"S33BD SB S2\" id=\"t28_148\">17.50% </span><span class=\"S33BE SB S2\" id=\"t29_148\">19.10% </span><span class=\"S33BF S482 S2\" id=\"t2a_148\">1 </span><span class=\"S33C0 S483 S2\" id=\"t2b_148\">The dividend amount planned to pay out / paid out is deducted from reserves. </span><span class=\"S33C1 SB S2\" id=\"t2c_148\">Basel III </span><span class=\"S33C2 SA7 S2\" id=\"t2d_148\">The components of the Common Equity Tier 1 capital (CET 1) are the following: Issued capital, Reserves </span><span class=\"S33C3 SA7 S2\" id=\"t2e_148\">(Retained earnings, Other reserves, Changes in the equity of subsidiaries, Net Profit for the year, Changes due to </span><span class=\"S33C4 SA7 S2\" id=\"t2f_148\">consolidation) Fair value adjustments, Other capital components, (Revaluation reserves, Share based payments, </span><span class=\"S33C5 SA7 S2\" id=\"t2g_148\">Cash-flow hedges, Net investment hedge in foreign operations), Non-controlling interest, Treasury shares, </span><span class=\"S33C6 SA7 S2\" id=\"t2h_148\">Goodwill and other Intangible assets, other adjustments (due to prudential filters, due to deferred tax receivables, </span><span class=\"S33C7 SA7 S2\" id=\"t2i_148\">due to temporary regulations). </span><span class=\"S33C8 SA7 S2\" id=\"t2j_148\">Supplementary capital (Tier 2): Subordinated loan capital, Supplementary loan capital, Other issued capital </span><span class=\"S33C9 SA7 S2\" id=\"t2k_148\">components, Components recognized in T2 capital issued by subsidiaries. </span><span class=\"S33CA SA7 S2\" id=\"t2l_148\">For regulatory compliance the capital adequacy ratios according to regulatory scope of consolidation are relevant. </span><span class=\"S33CB SA7 S2\" id=\"t2m_148\">The Pillar3 Disclosure of OTP Group contains the capital adequacy ratios calculated under regulatory scope of </span><span class=\"S33CC SA7 S2\" id=\"t2n_148\">consolidation. </span><span class=\"S33CD SA7 S2\" id=\"t2o_148\">The Group has entirely complied with the regulatory capital requirements in the year ended as at 31 December </span><span class=\"S33CE SA7 S2\" id=\"t2p_148\">2022 as well as 2021. </span><span class=\"SFA4 SB S2\" id=\"t3_149\">NOTE 38: </span><span class=\"S5BA SB S2\" id=\"t4_149\">TRANSFER OF FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S33CF SB S2\" id=\"t5_149\">Financial assets transferred but not derecognized </span><span class=\"S33D0 SB S2\" id=\"t6_149\">Transferred </span><span class=\"S33D1 SB S2\" id=\"t7_149\">assets </span><span class=\"S33D2 SB S2\" id=\"t8_149\">Associated </span><span class=\"S33D3 SB S2\" id=\"t9_149\">liabilities </span><span class=\"S33D4 SB S2\" id=\"ta_149\">Transferred </span><span class=\"S33D5 SB S2\" id=\"tb_149\">assets </span><span class=\"S33D6 SB S2\" id=\"tc_149\">Associated </span><span class=\"S33D7 SB S2\" id=\"td_149\">liabilities </span><span class=\"S33D8 SB S2\" id=\"te_149\">Carrying amount </span><span class=\"S33D9 SB S2\" id=\"tf_149\">Carrying amount </span><span class=\"S33DA SB S2\" id=\"tg_149\">2022 </span><span class=\"S33DB SB S2\" id=\"th_149\">2021 </span><span class=\"S33DC SB S2\" id=\"ti_149\">Financial assets at fair value </span><span class=\"S33DD SB S2\" id=\"tj_149\">through other comprehensive income </span><span class=\"S33DE SA7 S2\" id=\"tk_149\">Debt securities </span><span class=\"S33DF SA7 S2\" id=\"tl_149\">- </span><span class=\"S33E0 SA7 S2\" id=\"tm_149\">- </span><span class=\"S33E1 SA7 S2\" id=\"tn_149\">52,371 </span><span class=\"S33E2 SA7 S2\" id=\"to_149\">45,484 </span><span class=\"S33E3 SB S2\" id=\"tp_149\">Total </span><span class=\"S33E4 SB S2\" id=\"tq_149\">- </span><span class=\"S33E5 SB S2\" id=\"tr_149\">- </span><span class=\"S33E6 SB S2\" id=\"ts_149\">52,371 </span><span class=\"S33E7 SB S2\" id=\"tt_149\">45,484 </span><span class=\"S33E8 SB S2\" id=\"tu_149\">Financial assets at amortized cost </span><span class=\"S33E9 SA7 S2\" id=\"tv_149\">Debt securities </span><span class=\"S33EA SA7 S2\" id=\"tw_149\">332,082 </span><span class=\"S33EB SA7 S2\" id=\"tx_149\">282,227 </span><span class=\"S33EC SA7 S2\" id=\"ty_149\">92,765 </span><span class=\"S33ED SA7 S2\" id=\"tz_149\">90,986 </span><span class=\"S33EE SA7 S2\" id=\"t10_149\">Loans and advances </span><span class=\"S33EF SA7 S2\" id=\"t11_149\">3,534 </span><span class=\"S33F0 SA7 S2\" id=\"t12_149\">1,647 </span><span class=\"S33F1 SA7 S2\" id=\"t13_149\">833 </span><span class=\"S33F2 SA7 S2\" id=\"t14_149\">1,056 </span><span class=\"S33F3 SB S2\" id=\"t15_149\">Total </span><span class=\"S33F4 SB S2\" id=\"t16_149\">335,616 </span><span class=\"S33F5 SB S2\" id=\"t17_149\">283,874 </span><span class=\"S33F6 SB S2\" id=\"t18_149\">93,598 </span><span class=\"S33F7 SB S2\" id=\"t19_149\">92,042 </span><span class=\"S17B5 SB S2\" id=\"t1a_149\">Total </span><span class=\"S33F8 SB S2\" id=\"t1b_149\">335,616 </span><span class=\"S33F9 SB S2\" id=\"t1c_149\">283,874 </span><span class=\"S33FA SB S2\" id=\"t1d_149\">145,969 </span><span class=\"S33FB SB S2\" id=\"t1e_149\">137,526 </span><span class=\"S33FC SA7 S2\" id=\"t1f_149\">As at 31 December 2022 and 2021, the Group had an obligation from repurchase agreements (repo liability) of </span><span class=\"S33FD SA7 S2\" id=\"t1g_149\">HUF 217,264 million and HUF 79,045 million respectively. Securities sold temporarily under repurchase </span><span class=\"S33FE SA7 S2\" id=\"t1h_149\">agreements will continue to be recognized in the Consolidated Statement of Financial Position of the Group in the </span><span class=\"S33FF SA7 S2\" id=\"t1i_149\">appropriate securities category. The related liability is measured at amortized cost in the Consolidated Statement </span><span class=\"S3400 S5B9 S2\" id=\"t1j_149\">of Financial Position as \u201cAmounts due to the National Governments, to the National Banks and other banks and </span><span class=\"S3401 S5B9 S2\" id=\"t1k_149\">repo liabilities\u201d. </span><span class=\"S3402 SB S2\" id=\"t1l_149\">Financial assets transferred, derecognized with continuing involvement </span><span class=\"S3403 SA7 S2\" id=\"t1m_149\">Financial assets which would have been derecognized but would be represented the continuing involvement are </span><span class=\"S3404 SA7 S2\" id=\"t1n_149\">not recognized in the Consolidated Statement of Financial Position as at 31 December 2022 or as at 31 December </span><span class=\"S3405 SA7 S2\" id=\"t1o_149\">2021. </span><span class=\"SFA4 SB S2\" id=\"t3_150\">NOTE 39: </span><span class=\"S584 SB S2\" id=\"t4_150\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S3406 SB S2\" id=\"t5_150\">HUF mn) </span><span class=\"S3407 SA7 S2\" id=\"t6_150\">In the normal course of business, the Group becomes a party to various financial transactions that are not reflected </span><span class=\"S3408 SA7 S2\" id=\"t7_150\">on the Consolidated statement of financial position and are referred to as off-balance sheet financial instruments. </span><span class=\"S3409 SA7 S2\" id=\"t8_150\">The following represent notional amounts of these off-balance sheet financial instruments, unless stated otherwise. </span><span class=\"S340A SB S2\" id=\"t9_150\">Contingent liabilities </span><span class=\"SF38 SB S2\" id=\"ta_150\">2022 </span><span class=\"SF39 SB S2\" id=\"tb_150\">2021 </span><span class=\"S340B SA7 S2\" id=\"tc_150\">Commitments to extend credit </span><span class=\"S340C SA7 S2\" id=\"td_150\">4,230,289 </span><span class=\"S340D SA7 S2\" id=\"te_150\">4,065,002 </span><span class=\"S340E SA7 S2\" id=\"tf_150\">Guarantees arising from banking activities </span><span class=\"S340F SA7 S2\" id=\"tg_150\">1,413,017 </span><span class=\"S3410 SA7 S2\" id=\"th_150\">1,293,841 </span><span class=\"SF41 SA7 S2\" id=\"ti_150\">Factoring loan commitment </span><span class=\"SF92 SA7 S2\" id=\"tj_150\">419,620 </span><span class=\"SF93 SA7 S2\" id=\"tk_150\">464,341 </span><span class=\"S3411 SA7 S2\" id=\"tl_150\">Confirmed letters of credit </span><span class=\"S3412 SA7 S2\" id=\"tm_150\">53,557 </span><span class=\"S3413 SA7 S2\" id=\"tn_150\">65,077 </span><span class=\"S3414 SA7 S2\" id=\"to_150\">Other </span><span class=\"S18CE SA7 S2\" id=\"tp_150\">144,893 </span><span class=\"SF97 SA7 S2\" id=\"tq_150\">27,997 </span><span class=\"S3415 SB S2\" id=\"tr_150\">Contingent liabilities and commitments total </span><span class=\"S3416 SB S2\" id=\"ts_150\">in accordance with IFRS 9 </span><span class=\"SF9B SB S2\" id=\"tt_150\">6,261,376 </span><span class=\"SF9C SB S2\" id=\"tu_150\">5,916,258 </span><span class=\"S3417 SA7 S2\" id=\"tv_150\">Legal disputes (disputed value) </span><span class=\"SF9E SA7 S2\" id=\"tw_150\">86,137 </span><span class=\"SF9F SA7 S2\" id=\"tx_150\">75,453 </span><span class=\"SF50 SA7 S2\" id=\"ty_150\">Underwriting guarantees </span><span class=\"S3418 SA7 S2\" id=\"tz_150\">1,397 </span><span class=\"S3419 SA7 S2\" id=\"t10_150\">- </span><span class=\"S341A SA7 S2\" id=\"t11_150\">Other </span><span class=\"S1835 SA7 S2\" id=\"t12_150\">5,393 </span><span class=\"S1836 SA7 S2\" id=\"t13_150\">5,410 </span><span class=\"S341B SB S2\" id=\"t14_150\">Contingent liabilities and commitments </span><span class=\"S341C SB S2\" id=\"t15_150\">total in accordance with IAS 37 </span><span class=\"S341D SB S2\" id=\"t16_150\">92,927 </span><span class=\"S341E SB S2\" id=\"t17_150\">80,863 </span><span class=\"S341F SB S2\" id=\"t18_150\">Total </span><span class=\"S3420 SB S2\" id=\"t19_150\">6,354,303 </span><span class=\"S3421 SB S2\" id=\"t1a_150\">5,997,121 </span><span class=\"S3422 SB S2\" id=\"t1b_150\">Legal disputes </span><span class=\"S3423 SA7 S2\" id=\"t1c_150\">At the balance sheet date, the Group was involved in various claims and legal proceedings of a nature considered </span><span class=\"S3424 SA7 S2\" id=\"t1d_150\">normal to its business. The amount of these claims and legal proceedings corresponds to the amount of claims and </span><span class=\"S3425 SA7 S2\" id=\"t1e_150\">legal proceedings in previous years. </span><span class=\"S3426 SA7 S2\" id=\"t1f_150\">The Group believes that the various asserted claims and litigations in which it is involved will not materially affect </span><span class=\"S3427 SA7 S2\" id=\"t1g_150\">its financial position, future operating results or cash-flows, although no assurance can be given with respect to </span><span class=\"S3428 SA7 S2\" id=\"t1h_150\">the ultimate outcome of any such claim or litigation. Provisions due to legal disputes were HUF 37,043 million as </span><span class=\"S3429 SA7 S2\" id=\"t1i_150\">at 31 December 2022 and HUF 35,354 million as at 31 December 2021, respectively. (See Note 24.) </span><span class=\"S342A SB S2\" id=\"t1j_150\">Commitments to extend credit, guarantees and letters of credit </span><span class=\"S342B SA7 S2\" id=\"t1k_150\">The primary purpose of these instruments is to ensure that funds are available to a customer as required. Guarantees </span><span class=\"S342C SA7 S2\" id=\"t1l_150\">and standby letters of credit, which represent irrevocable assurances that the Group will make payments in the </span><span class=\"S342D SA7 S2\" id=\"t1m_150\">event that a customer cannot meet its obligations to third parties, carry the same credit risk as loans. </span><span class=\"S342E SA7 S2\" id=\"t1n_150\">Documentary and commercial letters of credit, which are written undertakings by the Group on behalf of a </span><span class=\"S342F SA7 S2\" id=\"t1o_150\">customer authorising a third party to draw drafts on the Group up to a stipulated amount under specific terms and </span><span class=\"S3430 SA7 S2\" id=\"t1p_150\">conditions, are collateralised by the underlying shipments of goods to which they relate and therefore carry less </span><span class=\"S3431 SA7 S2\" id=\"t1q_150\">risk than a direct borrowing. </span><span class=\"S3432 SA7 S2\" id=\"t1r_150\">Commitments to extend credit represent unused portions of authorisations to extend credit in the form of loans, </span><span class=\"S3433 SA7 S2\" id=\"t1s_150\">guarantees or letters of credit. With respect to credit risk on commitments to extend credit, the Group is potentially </span><span class=\"S3434 SA7 S2\" id=\"t1t_150\">exposed to loss in an amount equal to the total unused commitments. However, the likely amount of loss is less </span><span class=\"S3435 SA7 S2\" id=\"t1u_150\">than the total unused commitments since most commitments to extend credit are contingent upon customers </span><span class=\"S3436 SA7 S2\" id=\"t1v_150\">maintaining specific credit standards. </span><span class=\"S3437 SA7 S2\" id=\"t1w_150\">Guarantees, irrevocable letters of credit and undrawn loan commitments are subject to similar credit risk </span><span class=\"S3438 SA7 S2\" id=\"t1x_150\">monitoring and credit policies as utilised in the extension of loans. The Management of the Group believes the </span><span class=\"S3439 SA7 S2\" id=\"t1y_150\">market risk associated with guarantees, irrevocable letters of credit and undrawn loan commitments are minimal. </span><span class=\"SFA4 SB S2\" id=\"t3_151\">NOTE 39: </span><span class=\"S13FD SB S2\" id=\"t4_151\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S343A SB S2\" id=\"t5_151\">HUF mn) [continued] </span><span class=\"S343B SB S2\" id=\"t6_151\">Guarantees, payment undertakings arising from banking activities </span><span class=\"S343C SA7 S2\" id=\"t7_151\">Payment undertaking is a promise  by the Group to assume responsibility for the debt obligation of a borrower if </span><span class=\"S343D SA7 S2\" id=\"t8_151\">that borrower defaults until a determined amount, until a determined date, in case of fulfilling conditions, without </span><span class=\"S343E SA7 S2\" id=\"t9_151\">checking the unde</span><span class=\"S343F S5B9 S2\" id=\"ta_151\">rlying transactions. The guarantee\u2019s liability is joint and primary with the principal, in case of </span><span class=\"S3440 SA7 S2\" id=\"tb_151\">payment undertaking, while the Group assumes the obligation derived from guarantee independently by the </span><span class=\"S7DF SA7 S2\" id=\"tc_151\">conditions established by the Group. A guarantee is most typically required when the ability of the primary obligor </span><span class=\"S3441 SA7 S2\" id=\"td_151\">to perform its obligations under a contract is in question, or when there is some public or private interest which </span><span class=\"S9F9 SA7 S2\" id=\"te_151\">requires protection from the consequences of the principal's default or delinquency. </span><span class=\"S3442 SA7 S2\" id=\"tf_151\">A contract of guarantee is subject to the statute of frauds (or its equivalent local laws) which has maturity and is </span><span class=\"S3443 SA7 S2\" id=\"tg_151\">only enforceable if recorded in writing and signed by the surety and the principal. This means that if the beneficiary </span><span class=\"S3444 SA7 S2\" id=\"th_151\">has not exercised his rights against the surety or guarantor by the deadline indicated, he automatically forfeits all </span><span class=\"S877 SA7 S2\" id=\"ti_151\">his claims against the guarantor or surety. </span><span class=\"S3445 SA7 S2\" id=\"tj_151\">In the case of a simple surety, the beneficiary is obliged to seek recovery of the debt from the debtor, because as </span><span class=\"S3446 SA7 S2\" id=\"tk_151\">long as the debt is recoverable from the debtor, the guarantor can refuse to pay, whereas in the case of a cash </span><span class=\"S3447 SA7 S2\" id=\"tl_151\">surety, the beneficiary can also go to the guarantor immediately, there being no objection to enforcement. </span><span class=\"S936 SB S2\" id=\"tm_151\">Derivatives </span><span class=\"S3448 SA7 S2\" id=\"tn_151\">The Group maintains strict control limits on net open derivative positions, that is the difference between purchase </span><span class=\"S3449 SA7 S2\" id=\"to_151\">and sale contracts, regarding both the amount and the term. At any time the amount subject to credit risk is limited </span><span class=\"S344A SA7 S2\" id=\"tp_151\">to the current fair value of instruments that are favourable to the Group (i.e. assets), which in relation to derivatives </span><span class=\"S344B SA7 S2\" id=\"tq_151\">is only a small fraction of the contract or notional values used to express the volume of instruments outstanding. </span><span class=\"S344C SA7 S2\" id=\"tr_151\">This credit risk exposure is managed as part of the overall lending limits with customers, together with potential </span><span class=\"S344D SA7 S2\" id=\"ts_151\">exposures from market movements. Collateral or other security is not usually obtained for credit risk exposures </span><span class=\"S344E SA7 S2\" id=\"tt_151\">on these instruments, except for trading with clients, where the Group in most of the cases requires margin deposits. </span><span class=\"SFA4 SB S2\" id=\"t3_152\">NOTE 40: </span><span class=\"S100D SB S2\" id=\"t4_152\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) </span><span class=\"S344F SA7 S2\" id=\"t5_152\">The previously approved option program required a modification due to the introduction of the Bank Group Policy </span><span class=\"S3450 SA7 S2\" id=\"t6_152\">on Payments accepted in resolution of Annual General Meeting regarding to the amendment of CRD III. Directives </span><span class=\"S8AC SA7 S2\" id=\"t7_152\">and Act on Credit Institutions and Financial Enterprises. </span><span class=\"S3451 SA7 S2\" id=\"t8_152\">Key management personnel affected by the Bank Group Policy receive compensation based on performance </span><span class=\"S3452 SA7 S2\" id=\"t9_152\">assessment generally in the form of cash bonus and equity shares in a ratio of 50-50%. Assignment is based on </span><span class=\"S3453 SA7 S2\" id=\"ta_152\">OTP shares, furthermore performance-based payments are deferred in accordance with the rules of Credit </span><span class=\"S3454 SA7 S2\" id=\"tb_152\">Institutions Act. </span><span class=\"S3455 SA7 S2\" id=\"tc_152\">The Bank ensures the share-based payment part for the management personnel of the Group members. </span><span class=\"S3456 SA7 S2\" id=\"td_152\">During implementation of the Remuneration Policy of the Group appeared that in case of certain foreign </span><span class=\"S3457 SA7 S2\" id=\"te_152\">subsidiaries it is not possible to ensure the originally determined share-based payment because of legal reasons </span><span class=\"S3458 S5B9 S2\" id=\"tf_152\">\u2013 </span><span class=\"S3459 SA7 S2\" id=\"tg_152\">incompatible with relevant EU-directives </span><span class=\"S345A S5B9 S2\" id=\"th_152\">\u2013</span><span class=\"S345B SA7 S2\" id=\"ti_152\">, therefore a decision was made to cancel the share-based payment in </span><span class=\"S345C SA7 S2\" id=\"tj_152\">affected countries, and virtual share-based payment </span><span class=\"S345D S5B9 S2\" id=\"tk_152\">\u2013 </span><span class=\"S345E SA7 S2\" id=\"tl_152\">cash payment fixed to share price - was made from 2017. In </span><span class=\"S7E3 SA7 S2\" id=\"tm_152\">case of foreign subsidiaries virtual share-based payment was made uniformly from 2021 (in the case of payments </span><span class=\"S9FC SA7 S2\" id=\"tn_152\">related to 2021). </span><span class=\"S345F SA7 S2\" id=\"to_152\">The quantity of usable shares for individuals calculated for settlement of share-based payment shall be determined </span><span class=\"S3460 SA7 S2\" id=\"tp_152\">as the ratio of the amount of share-based payment and share price determined by Supervisory Board (until the end </span><span class=\"S3461 SA7 S2\" id=\"tq_152\">of 2014 by Board of Directors). </span><span class=\"SA2D SA7 S2\" id=\"tr_152\">The value of the share-based payment at the performance assessment is determined within 10 days by Supervisory </span><span class=\"S3462 S5B9 S2\" id=\"ts_152\">Board based on the average of the three previous trade day\u2019s middle rate of OTP Bank\u2019s equity shares fixed on the </span><span class=\"S3463 SA7 S2\" id=\"tt_152\">Budapest Stock Exchange. </span><span class=\"S3464 SA7 S2\" id=\"tu_152\">At the same time the conditions of discounted share-based payment are determined, and share-based payment shall </span><span class=\"S3465 SA7 S2\" id=\"tv_152\">contain maximum HUF 6,000 discount at the assessment date, and earnings for the shares at the payment date is </span><span class=\"S3466 SA7 S2\" id=\"tw_152\">maximum HUF 12,000. Employee </span><span class=\"S3467 SA7 S2\" id=\"tx_152\">benefits are all forms of consideration given by an entity in exchange for service </span><span class=\"S3468 SA7 S2\" id=\"ty_152\">rendered by employees or for the termination of employment. IAS 19 Employee Benefits shall be applied in </span><span class=\"S3469 SA7 S2\" id=\"tz_152\">accounting for all employee benefits, except those to which IFRS 2 Share-based Payment applies. </span><span class=\"S346A SA7 S2\" id=\"t10_152\">The parameters for the share-based payment relating to ongoing years 2017-2019 by the Supervisory Board for </span><span class=\"SB66 SA7 S2\" id=\"t11_152\">periods of each year as follows: </span><span class=\"S346B S27D S2\" id=\"t12_152\">Year </span><span class=\"S346C S27D S2\" id=\"t13_152\">Share purchasing at </span><span class=\"S346D S27D S2\" id=\"t14_152\">a discounted price </span><span class=\"S346E S27E S2\" id=\"t15_152\">Price of </span><span class=\"S346F S27E S2\" id=\"t16_152\">remuneration </span><span class=\"S3470 S27E S2\" id=\"t17_152\">exchanged to </span><span class=\"S3471 S27E S2\" id=\"t18_152\">share </span><span class=\"S3472 S27D S2\" id=\"t19_152\">Share purchasing at </span><span class=\"S3473 S27D S2\" id=\"t1a_152\">a discounted price </span><span class=\"S3474 S27E S2\" id=\"t1b_152\">Price of </span><span class=\"S3475 S27E S2\" id=\"t1c_152\">remuneration </span><span class=\"S3476 S27E S2\" id=\"t1d_152\">exchanged to </span><span class=\"S3477 S27E S2\" id=\"t1e_152\">share </span><span class=\"S3478 S27D S2\" id=\"t1f_152\">Share purchasing at </span><span class=\"S3479 S27D S2\" id=\"t1g_152\">a discounted price </span><span class=\"S347A S27E S2\" id=\"t1h_152\">Price of </span><span class=\"S347B S27E S2\" id=\"t1i_152\">remuneration </span><span class=\"S347C S27E S2\" id=\"t1j_152\">exchanged to </span><span class=\"S347D S27E S2\" id=\"t1k_152\">share </span><span class=\"S347E S27E S2\" id=\"t1l_152\">Exercise </span><span class=\"S347F S27E S2\" id=\"t1m_152\">price </span><span class=\"S3480 S27E S2\" id=\"t1n_152\">Maximum </span><span class=\"S3481 S27E S2\" id=\"t1o_152\">earnings </span><span class=\"S3482 S27E S2\" id=\"t1p_152\">Exercise </span><span class=\"S3483 S27E S2\" id=\"t1q_152\">price </span><span class=\"S3484 S27E S2\" id=\"t1r_152\">Maximum </span><span class=\"S3485 S27E S2\" id=\"t1s_152\">earnings </span><span class=\"S3486 S27E S2\" id=\"t1t_152\">Exercise </span><span class=\"S3487 S27E S2\" id=\"t1u_152\">price </span><span class=\"S3488 S27E S2\" id=\"t1v_152\">Maximum </span><span class=\"S3489 S27E S2\" id=\"t1w_152\">earnings </span><span class=\"S348A S27D S2\" id=\"t1x_152\">HUF per share </span><span class=\"S348B S27D S2\" id=\"t1y_152\">for the year 2017 </span><span class=\"S348C S27D S2\" id=\"t1z_152\">for the year 2018 </span><span class=\"S348D S27D S2\" id=\"t20_152\">for the year 2019 </span><span class=\"S348E S27E S2\" id=\"t21_152\">2018 </span><span class=\"S348F S27E S2\" id=\"t22_152\">8,064 </span><span class=\"S3490 S27E S2\" id=\"t23_152\">3,000 </span><span class=\"S3491 S27E S2\" id=\"t24_152\">10,064 </span><span class=\"S3492 S27E S2\" id=\"t25_152\">- </span><span class=\"S3493 S27E S2\" id=\"t26_152\">- </span><span class=\"S3494 S27E S2\" id=\"t27_152\">- </span><span class=\"S3495 S27E S2\" id=\"t28_152\">- </span><span class=\"S3496 S27E S2\" id=\"t29_152\">- </span><span class=\"S3497 S27E S2\" id=\"t2a_152\">- </span><span class=\"S3498 S27E S2\" id=\"t2b_152\">2019 </span><span class=\"S3499 S27E S2\" id=\"t2c_152\">8,064 </span><span class=\"S349A S27E S2\" id=\"t2d_152\">3,500 </span><span class=\"S349B S27E S2\" id=\"t2e_152\">10,064 </span><span class=\"S349C S27E S2\" id=\"t2f_152\">10,413 </span><span class=\"S349D S27E S2\" id=\"t2g_152\">4,000 </span><span class=\"S349E S27E S2\" id=\"t2h_152\">12,413 </span><span class=\"S349F S27E S2\" id=\"t2i_152\">- </span><span class=\"S34A0 S27E S2\" id=\"t2j_152\">- </span><span class=\"S34A1 S27E S2\" id=\"t2k_152\">- </span><span class=\"S34A2 S27E S2\" id=\"t2l_152\">2020 </span><span class=\"S34A3 S27E S2\" id=\"t2m_152\">8,064 </span><span class=\"S34A4 S27E S2\" id=\"t2n_152\">4,000 </span><span class=\"S34A5 S27E S2\" id=\"t2o_152\">10,064 </span><span class=\"S34A6 S27E S2\" id=\"t2p_152\">10,413 </span><span class=\"S34A7 S27E S2\" id=\"t2q_152\">4,000 </span><span class=\"S34A8 S27E S2\" id=\"t2r_152\">12,413 </span><span class=\"S34A9 S27E S2\" id=\"t2s_152\">9,553 </span><span class=\"S34AA S27E S2\" id=\"t2t_152\">4,000 </span><span class=\"S34AB S27E S2\" id=\"t2u_152\">11,553 </span><span class=\"S34AC S27E S2\" id=\"t2v_152\">2021 </span><span class=\"S34AD S27E S2\" id=\"t2w_152\">8,064 </span><span class=\"S34AE S27E S2\" id=\"t2x_152\">4,000 </span><span class=\"S34AF S27E S2\" id=\"t2y_152\">10,064 </span><span class=\"S34B0 S27E S2\" id=\"t2z_152\">10,413 </span><span class=\"S34B1 S27E S2\" id=\"t30_152\">4,000 </span><span class=\"S34B2 S27E S2\" id=\"t31_152\">12,413 </span><span class=\"S34B3 S27E S2\" id=\"t32_152\">9,553 </span><span class=\"S34B4 S27E S2\" id=\"t33_152\">4,000 </span><span class=\"S34B5 S27E S2\" id=\"t34_152\">11,553 </span><span class=\"S34B6 S27E S2\" id=\"t35_152\">2022 </span><span class=\"S34B7 S27E S2\" id=\"t36_152\">8,064 </span><span class=\"S34B8 S27E S2\" id=\"t37_152\">4,000 </span><span class=\"S34B9 S27E S2\" id=\"t38_152\">10,064 </span><span class=\"S34BA S27E S2\" id=\"t39_152\">10,913 </span><span class=\"S34BB S27E S2\" id=\"t3a_152\">4,000 </span><span class=\"S34BC S27E S2\" id=\"t3b_152\">12,413 </span><span class=\"S34BD S27E S2\" id=\"t3c_152\">9,553 </span><span class=\"S34BE S27E S2\" id=\"t3d_152\">4,000 </span><span class=\"S34BF S27E S2\" id=\"t3e_152\">11,553 </span><span class=\"S34C0 S27E S2\" id=\"t3f_152\">2023 </span><span class=\"S34C1 S27E S2\" id=\"t3g_152\">- </span><span class=\"S34C2 S27E S2\" id=\"t3h_152\">- </span><span class=\"S34C3 S27E S2\" id=\"t3i_152\">- </span><span class=\"S34C4 S27E S2\" id=\"t3j_152\">10,913 </span><span class=\"S34C5 S27E S2\" id=\"t3k_152\">4,000 </span><span class=\"S34C6 S27E S2\" id=\"t3l_152\">12,413 </span><span class=\"S34C7 S27E S2\" id=\"t3m_152\">9,553 </span><span class=\"S34C8 S27E S2\" id=\"t3n_152\">4,000 </span><span class=\"S34C9 S27E S2\" id=\"t3o_152\">11,553 </span><span class=\"S34CA S27E S2\" id=\"t3p_152\">2024 </span><span class=\"S34CB S27E S2\" id=\"t3q_152\">- </span><span class=\"S34CC S27E S2\" id=\"t3r_152\">- </span><span class=\"S34CD S27E S2\" id=\"t3s_152\">- </span><span class=\"S34CE S27E S2\" id=\"t3t_152\">10,913 </span><span class=\"S34CF S27E S2\" id=\"t3u_152\">4,000 </span><span class=\"S34D0 S27E S2\" id=\"t3v_152\">12,413 </span><span class=\"S34D1 S27E S2\" id=\"t3w_152\">9,553 </span><span class=\"S34D2 S27E S2\" id=\"t3x_152\">4,000 </span><span class=\"S34D3 S27E S2\" id=\"t3y_152\">11,553 </span><span class=\"S34D4 S27E S2\" id=\"t3z_152\">2025 </span><span class=\"S34D5 S27E S2\" id=\"t40_152\">- </span><span class=\"S34D6 S27E S2\" id=\"t41_152\">- </span><span class=\"S34D7 S27E S2\" id=\"t42_152\">- </span><span class=\"S34D8 S27E S2\" id=\"t43_152\">10,913 </span><span class=\"S34D9 S27E S2\" id=\"t44_152\">4,000 </span><span class=\"S34DA S27E S2\" id=\"t45_152\">12,413 </span><span class=\"S34DB S27E S2\" id=\"t46_152\">9,553 </span><span class=\"S34DC S27E S2\" id=\"t47_152\">4,000 </span><span class=\"S34DD S27E S2\" id=\"t48_152\">11,553 </span><span class=\"S34DE S27E S2\" id=\"t49_152\">2026 </span><span class=\"S34DF S27E S2\" id=\"t4a_152\">- </span><span class=\"S34E0 S27E S2\" id=\"t4b_152\">- </span><span class=\"S34E1 S27E S2\" id=\"t4c_152\">- </span><span class=\"S34E2 S27E S2\" id=\"t4d_152\">- </span><span class=\"S34E3 S27E S2\" id=\"t4e_152\">- </span><span class=\"S34E4 S27E S2\" id=\"t4f_152\">- </span><span class=\"S34E5 S27E S2\" id=\"t4g_152\">9,553 </span><span class=\"S34E6 S27E S2\" id=\"t4h_152\">4,000 </span><span class=\"S34E7 S27E S2\" id=\"t4i_152\">11,553 </span><span class=\"SFA4 SB S2\" id=\"t3_153\">NOTE 40: </span><span class=\"S182B SB S2\" id=\"t4_153\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S34E8 SA7 S2\" id=\"t5_153\">The parameters for the share-based payment relating to ongoing years 2020-2021 by the Supervisory Board for </span><span class=\"S34E9 SA7 S2\" id=\"t6_153\">periods of each year as follows: </span><span class=\"S34EA S27D S2\" id=\"t7_153\">Year </span><span class=\"S34EB S27D S2\" id=\"t8_153\">Share purchasing at </span><span class=\"S34EC S27D S2\" id=\"t9_153\">a discounted price </span><span class=\"S34ED S27E S2\" id=\"ta_153\">Price of </span><span class=\"S34EE S27E S2\" id=\"tb_153\">remuneration </span><span class=\"S34EF S27E S2\" id=\"tc_153\">exchanged to </span><span class=\"S34F0 S27E S2\" id=\"td_153\">share </span><span class=\"S34F1 S27D S2\" id=\"te_153\">Share purchasing at </span><span class=\"S34F2 S27D S2\" id=\"tf_153\">a discounted price </span><span class=\"S34F3 S27E S2\" id=\"tg_153\">Price of </span><span class=\"S34F4 S27E S2\" id=\"th_153\">remuneration </span><span class=\"S34F5 S27E S2\" id=\"ti_153\">exchanged to </span><span class=\"S34F6 S27E S2\" id=\"tj_153\">share </span><span class=\"S34F7 S27E S2\" id=\"tk_153\">Exercise </span><span class=\"S34F8 S27E S2\" id=\"tl_153\">price </span><span class=\"S34F9 S27E S2\" id=\"tm_153\">Maximum </span><span class=\"S34FA S27E S2\" id=\"tn_153\">earnings </span><span class=\"S34FB S27E S2\" id=\"to_153\">Exercise </span><span class=\"S34FC S27E S2\" id=\"tp_153\">price </span><span class=\"S34FD S27E S2\" id=\"tq_153\">Maximum </span><span class=\"S34FE S27E S2\" id=\"tr_153\">earnings </span><span class=\"S34FF S27D S2\" id=\"ts_153\">HUF per share </span><span class=\"S3500 S27D S2\" id=\"tt_153\">for the year 2020 </span><span class=\"S3501 S27D S2\" id=\"tu_153\">for the year 2021 </span><span class=\"S3502 S27E S2\" id=\"tv_153\">2021 </span><span class=\"S3503 S27E S2\" id=\"tw_153\">12,644 </span><span class=\"S3504 S27E S2\" id=\"tx_153\">9,000 </span><span class=\"S3505 S27E S2\" id=\"ty_153\">16,644 </span><span class=\"S3506 S27E S2\" id=\"tz_153\">- </span><span class=\"S3507 S27E S2\" id=\"t10_153\">- </span><span class=\"S3508 S27E S2\" id=\"t11_153\">- </span><span class=\"S3509 S27E S2\" id=\"t12_153\">2022 </span><span class=\"S350A S27E S2\" id=\"t13_153\">12,644 </span><span class=\"S350B S27E S2\" id=\"t14_153\">8,000 </span><span class=\"S350C S27E S2\" id=\"t15_153\">16,644 </span><span class=\"S350D S27E S2\" id=\"t16_153\">5,912 </span><span class=\"S350E S27E S2\" id=\"t17_153\">6,000 </span><span class=\"S350F S27E S2\" id=\"t18_153\">8,912 </span><span class=\"S3510 S27E S2\" id=\"t19_153\">2023 </span><span class=\"S3511 S27E S2\" id=\"t1a_153\">13,644 </span><span class=\"S3512 S27E S2\" id=\"t1b_153\">8,000 </span><span class=\"S3513 S27E S2\" id=\"t1c_153\">16,644 </span><span class=\"S3514 S27E S2\" id=\"t1d_153\">6,912 </span><span class=\"S3515 S27E S2\" id=\"t1e_153\">7,000 </span><span class=\"S3516 S27E S2\" id=\"t1f_153\">8,912 </span><span class=\"S3517 S27E S2\" id=\"t1g_153\">2024 </span><span class=\"S3518 S27E S2\" id=\"t1h_153\">13,644 </span><span class=\"S3519 S27E S2\" id=\"t1i_153\">8,000 </span><span class=\"S351A S27E S2\" id=\"t1j_153\">16,644 </span><span class=\"S351B S27E S2\" id=\"t1k_153\">6,912 </span><span class=\"S351C S27E S2\" id=\"t1l_153\">8,000 </span><span class=\"S351D S27E S2\" id=\"t1m_153\">8,912 </span><span class=\"S351E S27E S2\" id=\"t1n_153\">2025 </span><span class=\"S351F S27E S2\" id=\"t1o_153\">13,644 </span><span class=\"S3520 S27E S2\" id=\"t1p_153\">8,000 </span><span class=\"S3521 S27E S2\" id=\"t1q_153\">16,644 </span><span class=\"S3522 S27E S2\" id=\"t1r_153\">6,912 </span><span class=\"S3523 S27E S2\" id=\"t1s_153\">9,000 </span><span class=\"S3524 S27E S2\" id=\"t1t_153\">8,912 </span><span class=\"S3525 S27E S2\" id=\"t1u_153\">2026 </span><span class=\"S3526 S27E S2\" id=\"t1v_153\">13,644 </span><span class=\"S3527 S27E S2\" id=\"t1w_153\">8,000 </span><span class=\"S3528 S27E S2\" id=\"t1x_153\">16,644 </span><span class=\"S3529 S27E S2\" id=\"t1y_153\">6,912 </span><span class=\"S352A S27E S2\" id=\"t1z_153\">10,000 </span><span class=\"S352B S27E S2\" id=\"t20_153\">8,912 </span><span class=\"S352C S27E S2\" id=\"t21_153\">2027 </span><span class=\"S352D S27E S2\" id=\"t22_153\">13,644 </span><span class=\"S352E S27E S2\" id=\"t23_153\">8,000 </span><span class=\"S352F S27E S2\" id=\"t24_153\">16,644 </span><span class=\"S3530 S27E S2\" id=\"t25_153\">6,912 </span><span class=\"S3531 S27E S2\" id=\"t26_153\">10,000 </span><span class=\"S3532 S27E S2\" id=\"t27_153\">8,912 </span><span class=\"S3533 S27E S2\" id=\"t28_153\">2028 </span><span class=\"S3534 S1F81 S2\" id=\"t29_153\">1 </span><span class=\"S3535 S27E S2\" id=\"t2a_153\">- </span><span class=\"S3536 S27E S2\" id=\"t2b_153\">- </span><span class=\"S3537 S27E S2\" id=\"t2c_153\">- </span><span class=\"S3538 S27E S2\" id=\"t2d_153\">6,912 </span><span class=\"S3539 S27E S2\" id=\"t2e_153\">10,000 </span><span class=\"S353A S27E S2\" id=\"t2f_153\">8,912 </span><span class=\"S353B S482 S2\" id=\"t2g_153\">1 </span><span class=\"S353C S483 S2\" id=\"t2h_153\">Parameters of benefits for year after 2021 due in 2028 only is applicable to foreign companies and for virtual benefits. </span><span class=\"S5D3 SA7 S2\" id=\"t2i_153\">Relevant factors considered during measurement of fair value related to share-based payment as follows: </span><span class=\"S353D S27D S2\" id=\"t2j_153\">Year </span><span class=\"S353E S27D S2\" id=\"t2k_153\">Reference </span><span class=\"S353F S27D S2\" id=\"t2l_153\">price </span><span class=\"S3540 S27D S2\" id=\"t2m_153\">Assumed </span><span class=\"S3541 S27D S2\" id=\"t2n_153\">volatility </span><span class=\"S3542 S27D S2\" id=\"t2o_153\">Risk-free interest rate (HUF) </span><span class=\"S3543 S27D S2\" id=\"t2p_153\">1-year </span><span class=\"S3544 S27D S2\" id=\"t2q_153\">2-year </span><span class=\"S3545 S27D S2\" id=\"t2r_153\">3-year </span><span class=\"S3546 S27D S2\" id=\"t2s_153\">4-year </span><span class=\"S3547 S27D S2\" id=\"t2t_153\">5-year </span><span class=\"S3548 S27D S2\" id=\"t2u_153\">6-year </span><span class=\"S3549 S27D S2\" id=\"t2v_153\">7-year </span><span class=\"S354A S27E S2\" id=\"t2w_153\">2017 </span><span class=\"S354B S27E S2\" id=\"t2x_153\">9,200 </span><span class=\"S354C S27E S2\" id=\"t2y_153\">21.30% </span><span class=\"S354D S27E S2\" id=\"t2z_153\">0.10% </span><span class=\"S354E S27E S2\" id=\"t30_153\">0.50% </span><span class=\"S354F S27E S2\" id=\"t31_153\">0.70% </span><span class=\"S3550 S27E S2\" id=\"t32_153\">1.00% </span><span class=\"S3551 S27E S2\" id=\"t33_153\">1.30% </span><span class=\"S3552 S27E S2\" id=\"t34_153\">1.30% </span><span class=\"S3553 S27E S2\" id=\"t35_153\">1.30% </span><span class=\"S3554 S27E S2\" id=\"t36_153\">2018 </span><span class=\"S3555 S27E S2\" id=\"t37_153\">10,064 </span><span class=\"S3556 S27E S2\" id=\"t38_153\">26.00% </span><span class=\"S3557 S27E S2\" id=\"t39_153\">0.20% </span><span class=\"S3558 S27E S2\" id=\"t3a_153\">0.60% </span><span class=\"S3559 S27E S2\" id=\"t3b_153\">1.00% </span><span class=\"S355A S27E S2\" id=\"t3c_153\">1.30% </span><span class=\"S355B S27E S2\" id=\"t3d_153\">1.60% </span><span class=\"S355C S27E S2\" id=\"t3e_153\">1.90% </span><span class=\"S355D S27E S2\" id=\"t3f_153\">2.10% </span><span class=\"S355E S27E S2\" id=\"t3g_153\">2019 </span><span class=\"S355F S27E S2\" id=\"t3h_153\">12,413 </span><span class=\"S3560 S27E S2\" id=\"t3i_153\">19.20% </span><span class=\"S3561 S27E S2\" id=\"t3j_153\">0.20% </span><span class=\"S3562 S27E S2\" id=\"t3k_153\">0.70% </span><span class=\"S3563 S27E S2\" id=\"t3l_153\">0.90% </span><span class=\"S3564 S27E S2\" id=\"t3m_153\">1.10% </span><span class=\"S3565 S27E S2\" id=\"t3n_153\">1.30% </span><span class=\"S3566 S27E S2\" id=\"t3o_153\">1.40% </span><span class=\"S3567 S27E S2\" id=\"t3p_153\">1.60% </span><span class=\"S3568 S27E S2\" id=\"t3q_153\">2020 </span><span class=\"S3569 S27E S2\" id=\"t3r_153\">11,553 </span><span class=\"S356A S27E S2\" id=\"t3s_153\">33.60% </span><span class=\"S356B S27E S2\" id=\"t3t_153\">0.60% </span><span class=\"S356C S27E S2\" id=\"t3u_153\">0.40% </span><span class=\"S356D S27E S2\" id=\"t3v_153\">0.50% </span><span class=\"S356E S27E S2\" id=\"t3w_153\">0.60% </span><span class=\"S356F S27E S2\" id=\"t3x_153\">0.80% </span><span class=\"S3570 S27E S2\" id=\"t3y_153\">0.90% </span><span class=\"S3571 S27E S2\" id=\"t3z_153\">1.00% </span><span class=\"S3572 S27E S2\" id=\"t40_153\">2021 </span><span class=\"S3573 S27E S2\" id=\"t41_153\">16,644 </span><span class=\"S3574 S27E S2\" id=\"t42_153\">28.60% </span><span class=\"S3575 S27E S2\" id=\"t43_153\">1.00% </span><span class=\"S3576 S27E S2\" id=\"t44_153\">1.60% </span><span class=\"S3577 S27E S2\" id=\"t45_153\">1.80% </span><span class=\"S3578 S27E S2\" id=\"t46_153\">1.90% </span><span class=\"S3579 S27E S2\" id=\"t47_153\">2.00% </span><span class=\"S357A S27E S2\" id=\"t48_153\">2.10% </span><span class=\"S357B S27E S2\" id=\"t49_153\">2.10% </span><span class=\"S357C S27E S2\" id=\"t4a_153\">2022 </span><span class=\"S357D S27E S2\" id=\"t4b_153\">8,912 </span><span class=\"S357E S27E S2\" id=\"t4c_153\">42.60% </span><span class=\"S357F S27E S2\" id=\"t4d_153\">7.10% </span><span class=\"S3580 S27E S2\" id=\"t4e_153\">7.90% </span><span class=\"S3581 S27E S2\" id=\"t4f_153\">7.60% </span><span class=\"S3582 S27E S2\" id=\"t4g_153\">7.30% </span><span class=\"S3583 S27E S2\" id=\"t4h_153\">7.10% </span><span class=\"S3584 S27E S2\" id=\"t4i_153\">7.00% </span><span class=\"S3585 S27E S2\" id=\"t4j_153\">6.90% </span><span class=\"S3586 S27D S2\" id=\"t4k_153\">Year </span><span class=\"S3587 S27D S2\" id=\"t4l_153\">Expected dividends (HUF/Share) </span><span class=\"S3588 S27D S2\" id=\"t4m_153\">Pricing model </span><span class=\"S3589 S27D S2\" id=\"t4n_153\">1 -year </span><span class=\"S358A S27D S2\" id=\"t4o_153\">2-year </span><span class=\"S358B S27D S2\" id=\"t4p_153\">3-year </span><span class=\"S358C S27D S2\" id=\"t4q_153\">4-year </span><span class=\"S358D S27D S2\" id=\"t4r_153\">5-year </span><span class=\"S358E S27D S2\" id=\"t4s_153\">6-year </span><span class=\"S358F S27D S2\" id=\"t4t_153\">7-year </span><span class=\"S3590 S27E S2\" id=\"t4u_153\">2017 </span><span class=\"S3591 S27E S2\" id=\"t4v_153\">219 </span><span class=\"S3592 S27E S2\" id=\"t4w_153\">219 </span><span class=\"S3593 S27E S2\" id=\"t4x_153\">252 </span><span class=\"S3594 S27E S2\" id=\"t4y_153\">290 </span><span class=\"S3595 S27E S2\" id=\"t4z_153\">334 </span><span class=\"S3596 S27E S2\" id=\"t50_153\">384 </span><span class=\"S3597 S27E S2\" id=\"t51_153\">442 </span><span class=\"S3598 S27E S2\" id=\"t52_153\">Binomial </span><span class=\"S3599 S27E S2\" id=\"t53_153\">2018 </span><span class=\"S359A S27E S2\" id=\"t54_153\">219 </span><span class=\"S359B S27E S2\" id=\"t55_153\">219 </span><span class=\"S359C S27E S2\" id=\"t56_153\">219 </span><span class=\"S359D S27E S2\" id=\"t57_153\">219 </span><span class=\"S359E S27E S2\" id=\"t58_153\">219 </span><span class=\"S359F S27E S2\" id=\"t59_153\">219 </span><span class=\"S35A0 S27E S2\" id=\"t5a_153\">219 </span><span class=\"S35A1 S27E S2\" id=\"t5b_153\">Binomial </span><span class=\"S35A2 S27E S2\" id=\"t5c_153\">2019 </span><span class=\"S35A3 S27E S2\" id=\"t5d_153\">252 </span><span class=\"S35A4 S27E S2\" id=\"t5e_153\">290 </span><span class=\"S35A5 S27E S2\" id=\"t5f_153\">333 </span><span class=\"S35A6 S27E S2\" id=\"t5g_153\">383 </span><span class=\"S35A7 S27E S2\" id=\"t5h_153\">440 </span><span class=\"S35A8 S27E S2\" id=\"t5i_153\">507 </span><span class=\"S35A9 S27E S2\" id=\"t5j_153\">583 </span><span class=\"S35AA S27E S2\" id=\"t5k_153\">Binomial </span><span class=\"S35AB S27E S2\" id=\"t5l_153\">2020 </span><span class=\"S35AC S27E S2\" id=\"t5m_153\">219 </span><span class=\"S35AD S27E S2\" id=\"t5n_153\">252 </span><span class=\"S35AE S27E S2\" id=\"t5o_153\">290 </span><span class=\"S35AF S27E S2\" id=\"t5p_153\">333 </span><span class=\"S35B0 S27E S2\" id=\"t5q_153\">383 </span><span class=\"S35B1 S27E S2\" id=\"t5r_153\">440 </span><span class=\"S35B2 S27E S2\" id=\"t5s_153\">507 </span><span class=\"S35B3 S27E S2\" id=\"t5t_153\">Binomial </span><span class=\"S35B4 S27E S2\" id=\"t5u_153\">2021 </span><span class=\"S35B5 S27E S2\" id=\"t5v_153\">371 </span><span class=\"S35B6 S27E S2\" id=\"t5w_153\">321 </span><span class=\"S35B7 S27E S2\" id=\"t5x_153\">357 </span><span class=\"S35B8 S27E S2\" id=\"t5y_153\">393 </span><span class=\"S35B9 S27E S2\" id=\"t5z_153\">432 </span><span class=\"S35BA S27E S2\" id=\"t60_153\">475 </span><span class=\"S35BB S27E S2\" id=\"t61_153\">523 </span><span class=\"S35BC S27E S2\" id=\"t62_153\">Binomial </span><span class=\"S35BD S27E S2\" id=\"t63_153\">2022 </span><span class=\"S35BE S27E S2\" id=\"t64_153\">452 </span><span class=\"S35BF S27E S2\" id=\"t65_153\">497 </span><span class=\"S35C0 S27E S2\" id=\"t66_153\">547 </span><span class=\"S35C1 S27E S2\" id=\"t67_153\">601 </span><span class=\"S35C2 S27E S2\" id=\"t68_153\">661 </span><span class=\"S35C3 S27E S2\" id=\"t69_153\">728 </span><span class=\"S35C4 S27E S2\" id=\"t6a_153\">800 </span><span class=\"S35C5 S27E S2\" id=\"t6b_153\">Binomial </span><span class=\"SFA4 SB S2\" id=\"t3_154\">NOTE 40: </span><span class=\"S10A7 SB S2\" id=\"t4_154\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S35C6 SA7 S2\" id=\"t5_154\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S35C7 SB S2\" id=\"t6_154\">2017 </span><span class=\"S35C8 SA7 S2\" id=\"t7_154\">effective pieces are as follows as at </span><span class=\"S743 SA7 S2\" id=\"t8_154\">31 December 2022: </span><span class=\"S35C9 S27D S2\" id=\"t9_154\">Approved </span><span class=\"S35CA S27D S2\" id=\"ta_154\">pieces of </span><span class=\"S35CB S27D S2\" id=\"tb_154\">shares </span><span class=\"S35CC S27D S2\" id=\"tc_154\">Exercised </span><span class=\"S35CD S27D S2\" id=\"td_154\">until 31 </span><span class=\"S35CE S27D S2\" id=\"te_154\">December </span><span class=\"S35CF S27D S2\" id=\"tf_154\">2022 </span><span class=\"S35D0 S27D S2\" id=\"tg_154\">Weighted average </span><span class=\"S35D1 S27D S2\" id=\"th_154\">share price at the date </span><span class=\"S35D2 S27D S2\" id=\"ti_154\">of exercise (in HUF) </span><span class=\"S35D3 S27D S2\" id=\"tj_154\">Expired </span><span class=\"S35D4 S27D S2\" id=\"tk_154\">pieces </span><span class=\"S35D5 S27D S2\" id=\"tl_154\">Exercisable </span><span class=\"S35D6 S27D S2\" id=\"tm_154\">as at 31 </span><span class=\"S35D7 S27D S2\" id=\"tn_154\">December </span><span class=\"S35D8 S27D S2\" id=\"to_154\">2022 </span><span class=\"S35D9 S27E S2\" id=\"tp_154\">Share purchasing period </span><span class=\"S35DA S27E S2\" id=\"tq_154\">started in 2018 </span><span class=\"S35DB S27E S2\" id=\"tr_154\">108,243 </span><span class=\"S35DC S27E S2\" id=\"ts_154\">108,243 </span><span class=\"S35DD S27E S2\" id=\"tt_154\">11,005 </span><span class=\"S35DE S27E S2\" id=\"tu_154\">- </span><span class=\"S35DF S27E S2\" id=\"tv_154\">- </span><span class=\"S35E0 S27E S2\" id=\"tw_154\">Remuneration exchanged to share </span><span class=\"S35E1 S27E S2\" id=\"tx_154\">provided in 2018 </span><span class=\"S35E2 S27E S2\" id=\"ty_154\">11,926 </span><span class=\"S35E3 S27E S2\" id=\"tz_154\">11,926 </span><span class=\"S35E4 S27E S2\" id=\"t10_154\">10,098 </span><span class=\"S35E5 S27E S2\" id=\"t11_154\">- </span><span class=\"S35E6 S27E S2\" id=\"t12_154\">- </span><span class=\"S35E7 S27E S2\" id=\"t13_154\">Share purchasing period </span><span class=\"S35E8 S27E S2\" id=\"t14_154\">started in 2019 </span><span class=\"S35E9 S27E S2\" id=\"t15_154\">212,282 </span><span class=\"S35EA S27E S2\" id=\"t16_154\">212,282 </span><span class=\"S35EB S27E S2\" id=\"t17_154\">12,096 </span><span class=\"S35EC S27E S2\" id=\"t18_154\">- </span><span class=\"S35ED S27E S2\" id=\"t19_154\">- </span><span class=\"S35EE S27E S2\" id=\"t1a_154\">Remuneration exchanged to share </span><span class=\"S35EF S27E S2\" id=\"t1b_154\">provided in 2019 </span><span class=\"S35F0 S27E S2\" id=\"t1c_154\">26,538 </span><span class=\"S35F1 S27E S2\" id=\"t1d_154\">26,538 </span><span class=\"S35F2 S27E S2\" id=\"t1e_154\">11,813 </span><span class=\"S35F3 S27E S2\" id=\"t1f_154\">- </span><span class=\"S35F4 S27E S2\" id=\"t1g_154\">- </span><span class=\"S35F5 S27E S2\" id=\"t1h_154\">Share purchasing period </span><span class=\"S35F6 S27E S2\" id=\"t1i_154\">started in 2020 </span><span class=\"S35F7 S27E S2\" id=\"t1j_154\">101,571 </span><span class=\"S35F8 S27E S2\" id=\"t1k_154\">101,565 </span><span class=\"S35F9 S27E S2\" id=\"t1l_154\">12,084 </span><span class=\"S35FA S27E S2\" id=\"t1m_154\">6 </span><span class=\"S35FB S27E S2\" id=\"t1n_154\">- </span><span class=\"S35FC S27E S2\" id=\"t1o_154\">Remuneration exchanged to share </span><span class=\"S35FD S27E S2\" id=\"t1p_154\">provided in 2020 </span><span class=\"S35FE S27E S2\" id=\"t1q_154\">11,584 </span><span class=\"S35FF S27E S2\" id=\"t1r_154\">11,584 </span><span class=\"S3600 S27E S2\" id=\"t1s_154\">11,897 </span><span class=\"S3601 S27E S2\" id=\"t1t_154\">- </span><span class=\"S3602 S27E S2\" id=\"t1u_154\">- </span><span class=\"S3603 S27E S2\" id=\"t1v_154\">Share purchasing period </span><span class=\"S3604 S27E S2\" id=\"t1w_154\">started in 2021 </span><span class=\"S3605 S27E S2\" id=\"t1x_154\">109,460 </span><span class=\"S3606 S27E S2\" id=\"t1y_154\">109,460 </span><span class=\"S3607 S27E S2\" id=\"t1z_154\">16,288 </span><span class=\"S3608 S27E S2\" id=\"t20_154\">- </span><span class=\"S3609 S27E S2\" id=\"t21_154\">- </span><span class=\"S360A S27E S2\" id=\"t22_154\">Remuneration exchanged to share </span><span class=\"S360B S27E S2\" id=\"t23_154\">provided in 2021 </span><span class=\"S360C S27E S2\" id=\"t24_154\">11,531 </span><span class=\"S360D S27E S2\" id=\"t25_154\">11,531 </span><span class=\"S360E S27E S2\" id=\"t26_154\">16,477 </span><span class=\"S360F S27E S2\" id=\"t27_154\">- </span><span class=\"S3610 S27E S2\" id=\"t28_154\">- </span><span class=\"S3611 S27E S2\" id=\"t29_154\">Share purchasing period </span><span class=\"S3612 S27E S2\" id=\"t2a_154\">started in 2022 </span><span class=\"S3613 S27E S2\" id=\"t2b_154\">42,820 </span><span class=\"S3614 S27E S2\" id=\"t2c_154\">- </span><span class=\"S3615 S27E S2\" id=\"t2d_154\">- </span><span class=\"S3616 S27E S2\" id=\"t2e_154\">- </span><span class=\"S3617 S27E S2\" id=\"t2f_154\">42,820 </span><span class=\"S3618 S27E S2\" id=\"t2g_154\">Remuneration exchanged to share </span><span class=\"S3619 S27E S2\" id=\"t2h_154\">provided in 2022 </span><span class=\"S361A S27E S2\" id=\"t2i_154\">2,950 </span><span class=\"S361B S27E S2\" id=\"t2j_154\">2,950 </span><span class=\"S361C S27E S2\" id=\"t2k_154\">8,529 </span><span class=\"S361D S27E S2\" id=\"t2l_154\">- </span><span class=\"S361E S27E S2\" id=\"t2m_154\">- </span><span class=\"S361F SA7 S2\" id=\"t2n_154\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S3620 SB S2\" id=\"t2o_154\">2018 </span><span class=\"S3621 SA7 S2\" id=\"t2p_154\">effective pieces are as follows as at </span><span class=\"S3622 SA7 S2\" id=\"t2q_154\">31 December 2022: </span><span class=\"S3623 S27D S2\" id=\"t2r_154\">Approved </span><span class=\"S3624 S27D S2\" id=\"t2s_154\">pieces of </span><span class=\"S3625 S27D S2\" id=\"t2t_154\">shares </span><span class=\"S3626 S27D S2\" id=\"t2u_154\">Exercised </span><span class=\"S3627 S27D S2\" id=\"t2v_154\">until 31 </span><span class=\"S3628 S27D S2\" id=\"t2w_154\">December </span><span class=\"S3629 S27D S2\" id=\"t2x_154\">2022 </span><span class=\"S362A S27D S2\" id=\"t2y_154\">Weighted average </span><span class=\"S362B S27D S2\" id=\"t2z_154\">share price at the date </span><span class=\"S362C S27D S2\" id=\"t30_154\">of exercise (in HUF) </span><span class=\"S362D S27D S2\" id=\"t31_154\">Expired </span><span class=\"S362E S27D S2\" id=\"t32_154\">pieces </span><span class=\"S362F S27D S2\" id=\"t33_154\">Exercisable </span><span class=\"S3630 S27D S2\" id=\"t34_154\">as at 31 </span><span class=\"S3631 S27D S2\" id=\"t35_154\">December </span><span class=\"S3632 S27D S2\" id=\"t36_154\">2022 </span><span class=\"S3633 S27E S2\" id=\"t37_154\">Share purchasing period </span><span class=\"S3634 S27E S2\" id=\"t38_154\">started in 2019 </span><span class=\"S3635 S27E S2\" id=\"t39_154\">82,854 </span><span class=\"S3636 S27E S2\" id=\"t3a_154\">82,854 </span><span class=\"S3637 S27E S2\" id=\"t3b_154\">13,843 </span><span class=\"S3638 S27E S2\" id=\"t3c_154\">- </span><span class=\"S3639 S27E S2\" id=\"t3d_154\">- </span><span class=\"S363A S27E S2\" id=\"t3e_154\">Remuneration exchanged to share </span><span class=\"S363B S27E S2\" id=\"t3f_154\">provided in 2019 </span><span class=\"S363C S27E S2\" id=\"t3g_154\">17,017 </span><span class=\"S363D S27E S2\" id=\"t3h_154\">17,017 </span><span class=\"S363E S27E S2\" id=\"t3i_154\">11,829 </span><span class=\"S363F S27E S2\" id=\"t3j_154\">- </span><span class=\"S3640 S27E S2\" id=\"t3k_154\">- </span><span class=\"S3641 S27E S2\" id=\"t3l_154\">Share purchasing period </span><span class=\"S3642 S27E S2\" id=\"t3m_154\">started in 2020 </span><span class=\"S3643 S27E S2\" id=\"t3n_154\">150,230 </span><span class=\"S3644 S27E S2\" id=\"t3o_154\">150,230 </span><span class=\"S3645 S27E S2\" id=\"t3p_154\">14,294 </span><span class=\"S3646 S27E S2\" id=\"t3q_154\">- </span><span class=\"S3647 S27E S2\" id=\"t3r_154\">- </span><span class=\"S3648 S27E S2\" id=\"t3s_154\">Remuneration exchanged to share </span><span class=\"S3649 S27E S2\" id=\"t3t_154\">provided in 2020 </span><span class=\"S364A S27E S2\" id=\"t3u_154\">33,024 </span><span class=\"S364B S27E S2\" id=\"t3v_154\">33,024 </span><span class=\"S364C S27E S2\" id=\"t3w_154\">11,897 </span><span class=\"S364D S27E S2\" id=\"t3x_154\">- </span><span class=\"S364E S27E S2\" id=\"t3y_154\">- </span><span class=\"S364F S27E S2\" id=\"t3z_154\">Share purchasing period </span><span class=\"S3650 S27E S2\" id=\"t40_154\">started in 2021 </span><span class=\"S3651 S27E S2\" id=\"t41_154\">73,799 </span><span class=\"S3652 S27E S2\" id=\"t42_154\">73,799 </span><span class=\"S3653 S27E S2\" id=\"t43_154\">16,314 </span><span class=\"S3654 S27E S2\" id=\"t44_154\">- </span><span class=\"S3655 S27E S2\" id=\"t45_154\">- </span><span class=\"S3656 S27E S2\" id=\"t46_154\">Remuneration exchanged to share </span><span class=\"S3657 S27E S2\" id=\"t47_154\">provided in 2021 </span><span class=\"S3658 S27E S2\" id=\"t48_154\">14,618 </span><span class=\"S3659 S27E S2\" id=\"t49_154\">14,618 </span><span class=\"S365A S27E S2\" id=\"t4a_154\">16,468 </span><span class=\"S365B S27E S2\" id=\"t4b_154\">- </span><span class=\"S365C S27E S2\" id=\"t4c_154\">- </span><span class=\"S365D S27E S2\" id=\"t4d_154\">Share purchasing period </span><span class=\"S365E S27E S2\" id=\"t4e_154\">started in 2022 </span><span class=\"S365F S27E S2\" id=\"t4f_154\">86,456 </span><span class=\"S3660 S27E S2\" id=\"t4g_154\">- </span><span class=\"S3661 S27E S2\" id=\"t4h_154\">- </span><span class=\"S3662 S27E S2\" id=\"t4i_154\">- </span><span class=\"S3663 S27E S2\" id=\"t4j_154\">86,456 </span><span class=\"S3664 S27E S2\" id=\"t4k_154\">Remuneration exchanged to share </span><span class=\"S3665 S27E S2\" id=\"t4l_154\">provided in 2022 </span><span class=\"S3666 S27E S2\" id=\"t4m_154\">13,858 </span><span class=\"S3667 S27E S2\" id=\"t4n_154\">13,858 </span><span class=\"S3668 S27E S2\" id=\"t4o_154\">8,529 </span><span class=\"S3669 S27E S2\" id=\"t4p_154\">- </span><span class=\"S366A S27E S2\" id=\"t4q_154\">- </span><span class=\"S366B S27E S2\" id=\"t4r_154\">Share purchasing period </span><span class=\"S366C S27E S2\" id=\"t4s_154\">starting in 2023 </span><span class=\"S366D S27E S2\" id=\"t4t_154\">- </span><span class=\"S366E S27E S2\" id=\"t4u_154\">- </span><span class=\"S366F S27E S2\" id=\"t4v_154\">- </span><span class=\"S3670 S27E S2\" id=\"t4w_154\">- </span><span class=\"S3671 S27E S2\" id=\"t4x_154\">45,155 </span><span class=\"S3672 S27E S2\" id=\"t4y_154\">Remuneration exchanged to share </span><span class=\"S3673 S27E S2\" id=\"t4z_154\">applying in 2023 </span><span class=\"S3674 S27E S2\" id=\"t50_154\">- </span><span class=\"S3675 S27E S2\" id=\"t51_154\">- </span><span class=\"S3676 S27E S2\" id=\"t52_154\">- </span><span class=\"S3677 S27E S2\" id=\"t53_154\">- </span><span class=\"S3678 S27E S2\" id=\"t54_154\">4,114 </span><span class=\"S3679 S27E S2\" id=\"t55_154\">Remuneration exchanged to share </span><span class=\"S367A S27E S2\" id=\"t56_154\">applying in 2024 </span><span class=\"S367B S27E S2\" id=\"t57_154\">- </span><span class=\"S367C S27E S2\" id=\"t58_154\">- </span><span class=\"S367D S27E S2\" id=\"t59_154\">- </span><span class=\"S367E S27E S2\" id=\"t5a_154\">- </span><span class=\"S367F S27E S2\" id=\"t5b_154\">864 </span><span class=\"S3680 S27E S2\" id=\"t5c_154\">Remuneration exchanged to share </span><span class=\"S3681 S27E S2\" id=\"t5d_154\">applying in 2025 </span><span class=\"S3682 S27E S2\" id=\"t5e_154\">- </span><span class=\"S3683 S27E S2\" id=\"t5f_154\">- </span><span class=\"S3684 S27E S2\" id=\"t5g_154\">- </span><span class=\"S3685 S27E S2\" id=\"t5h_154\">- </span><span class=\"S3686 S27E S2\" id=\"t5i_154\">432 </span><span class=\"SFA4 SB S2\" id=\"t3_155\">NOTE 40: </span><span class=\"S10A7 SB S2\" id=\"t4_155\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S35C6 SA7 S2\" id=\"t5_155\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S3687 SB S2\" id=\"t6_155\">2019 </span><span class=\"S35C8 SA7 S2\" id=\"t7_155\">effective pieces are as follows as at </span><span class=\"S3688 SA7 S2\" id=\"t8_155\">31 December 2022: </span><span class=\"S35C9 S27D S2\" id=\"t9_155\">Approved </span><span class=\"S35CA S27D S2\" id=\"ta_155\">pieces of </span><span class=\"S35CB S27D S2\" id=\"tb_155\">shares </span><span class=\"S35CC S27D S2\" id=\"tc_155\">Exercised </span><span class=\"S35CD S27D S2\" id=\"td_155\">until 31 </span><span class=\"S35CE S27D S2\" id=\"te_155\">December </span><span class=\"S35CF S27D S2\" id=\"tf_155\">2022 </span><span class=\"S35D0 S27D S2\" id=\"tg_155\">Weighted average </span><span class=\"S35D1 S27D S2\" id=\"th_155\">share price at the date </span><span class=\"S35D2 S27D S2\" id=\"ti_155\">of exercise (in HUF) </span><span class=\"S35D3 S27D S2\" id=\"tj_155\">Expired </span><span class=\"S35D4 S27D S2\" id=\"tk_155\">pieces </span><span class=\"S35D5 S27D S2\" id=\"tl_155\">Exercisable </span><span class=\"S35D6 S27D S2\" id=\"tm_155\">as at 31 </span><span class=\"S35D7 S27D S2\" id=\"tn_155\">December </span><span class=\"S35D8 S27D S2\" id=\"to_155\">2022 </span><span class=\"S35D9 S27E S2\" id=\"tp_155\">Share purchasing period </span><span class=\"S35DA S27E S2\" id=\"tq_155\">started in 2020 </span><span class=\"S3689 S27E S2\" id=\"tr_155\">91,403 </span><span class=\"S368A S27E S2\" id=\"ts_155\">91,403 </span><span class=\"S35DD S27E S2\" id=\"tt_155\">12,218 </span><span class=\"S35DE S27E S2\" id=\"tu_155\">- </span><span class=\"S35DF S27E S2\" id=\"tv_155\">- </span><span class=\"S35E0 S27E S2\" id=\"tw_155\">Remuneration exchanged to share </span><span class=\"S368B S27E S2\" id=\"tx_155\">provided in 2020 </span><span class=\"S35E2 S27E S2\" id=\"ty_155\">22,806 </span><span class=\"S35E3 S27E S2\" id=\"tz_155\">22,806 </span><span class=\"S35E4 S27E S2\" id=\"t10_155\">11,897 </span><span class=\"S35E5 S27E S2\" id=\"t11_155\">- </span><span class=\"S35E6 S27E S2\" id=\"t12_155\">- </span><span class=\"S35E7 S27E S2\" id=\"t13_155\">Share purchasing period </span><span class=\"S35E8 S27E S2\" id=\"t14_155\">started in 2021 </span><span class=\"S35E9 S27E S2\" id=\"t15_155\">201,273 </span><span class=\"S35EA S27E S2\" id=\"t16_155\">201,273 </span><span class=\"S35EB S27E S2\" id=\"t17_155\">16,298 </span><span class=\"S35EC S27E S2\" id=\"t18_155\">- </span><span class=\"S35ED S27E S2\" id=\"t19_155\">- </span><span class=\"S35EE S27E S2\" id=\"t1a_155\">Remuneration exchanged to share </span><span class=\"S35EF S27E S2\" id=\"t1b_155\">provided in 2021 </span><span class=\"S35F0 S27E S2\" id=\"t1c_155\">30,834 </span><span class=\"S35F1 S27E S2\" id=\"t1d_155\">30,834 </span><span class=\"S35F2 S27E S2\" id=\"t1e_155\">17,618 </span><span class=\"S35F3 S27E S2\" id=\"t1f_155\">- </span><span class=\"S35F4 S27E S2\" id=\"t1g_155\">- </span><span class=\"S35F5 S27E S2\" id=\"t1h_155\">Share purchasing period </span><span class=\"S35F6 S27E S2\" id=\"t1i_155\">started in 2022 </span><span class=\"S35F7 S27E S2\" id=\"t1j_155\">107,760 </span><span class=\"S368C S27E S2\" id=\"t1k_155\">- </span><span class=\"S368D S27E S2\" id=\"t1l_155\">- </span><span class=\"S368E S27E S2\" id=\"t1m_155\">1,335 </span><span class=\"S368F S27E S2\" id=\"t1n_155\">106,425 </span><span class=\"S35FC S27E S2\" id=\"t1o_155\">Remuneration exchanged to share </span><span class=\"S35FD S27E S2\" id=\"t1p_155\">provided in 2022 </span><span class=\"S35FE S27E S2\" id=\"t1q_155\">10,564 </span><span class=\"S35FF S27E S2\" id=\"t1r_155\">10,564 </span><span class=\"S3690 S27E S2\" id=\"t1s_155\">8,529 </span><span class=\"S3601 S27E S2\" id=\"t1t_155\">- </span><span class=\"S3602 S27E S2\" id=\"t1u_155\">- </span><span class=\"S3603 S27E S2\" id=\"t1v_155\">Share purchasing period </span><span class=\"S3604 S27E S2\" id=\"t1w_155\">starting in 2023 </span><span class=\"S3691 S27E S2\" id=\"t1x_155\">- </span><span class=\"S3692 S27E S2\" id=\"t1y_155\">- </span><span class=\"S3693 S27E S2\" id=\"t1z_155\">- </span><span class=\"S3608 S27E S2\" id=\"t20_155\">- </span><span class=\"S3694 S27E S2\" id=\"t21_155\">125,771 </span><span class=\"S360A S27E S2\" id=\"t22_155\">Remuneration exchanged to share </span><span class=\"S360B S27E S2\" id=\"t23_155\">applying in 2023 </span><span class=\"S3695 S27E S2\" id=\"t24_155\">- </span><span class=\"S3696 S27E S2\" id=\"t25_155\">- </span><span class=\"S3697 S27E S2\" id=\"t26_155\">- </span><span class=\"S360F S27E S2\" id=\"t27_155\">- </span><span class=\"S3698 S27E S2\" id=\"t28_155\">18,025 </span><span class=\"S3611 S27E S2\" id=\"t29_155\">Share purchasing period </span><span class=\"S3612 S27E S2\" id=\"t2a_155\">starting in 2024 </span><span class=\"S3699 S27E S2\" id=\"t2b_155\">- </span><span class=\"S3614 S27E S2\" id=\"t2c_155\">- </span><span class=\"S3615 S27E S2\" id=\"t2d_155\">- </span><span class=\"S3616 S27E S2\" id=\"t2e_155\">- </span><span class=\"S3617 S27E S2\" id=\"t2f_155\">44,421 </span><span class=\"S3618 S27E S2\" id=\"t2g_155\">Remuneration exchanged to share </span><span class=\"S3619 S27E S2\" id=\"t2h_155\">applying in 2024 </span><span class=\"S369A S27E S2\" id=\"t2i_155\">- </span><span class=\"S369B S27E S2\" id=\"t2j_155\">- </span><span class=\"S369C S27E S2\" id=\"t2k_155\">- </span><span class=\"S361D S27E S2\" id=\"t2l_155\">- </span><span class=\"S369D S27E S2\" id=\"t2m_155\">6,279 </span><span class=\"S369E S27E S2\" id=\"t2n_155\">Remuneration exchanged to share </span><span class=\"S369F S27E S2\" id=\"t2o_155\">applying in 2025 </span><span class=\"S36A0 S27E S2\" id=\"t2p_155\">- </span><span class=\"S36A1 S27E S2\" id=\"t2q_155\">- </span><span class=\"S36A2 S27E S2\" id=\"t2r_155\">- </span><span class=\"S36A3 S27E S2\" id=\"t2s_155\">- </span><span class=\"S36A4 S27E S2\" id=\"t2t_155\">1,000 </span><span class=\"S36A5 S27E S2\" id=\"t2u_155\">Remuneration exchanged to share </span><span class=\"S36A6 S27E S2\" id=\"t2v_155\">applying in 2026 </span><span class=\"S36A7 S27E S2\" id=\"t2w_155\">- </span><span class=\"S36A8 S27E S2\" id=\"t2x_155\">- </span><span class=\"S36A9 S27E S2\" id=\"t2y_155\">- </span><span class=\"S36AA S27E S2\" id=\"t2z_155\">- </span><span class=\"S36AB S27E S2\" id=\"t30_155\">500 </span><span class=\"S36AC SA7 S2\" id=\"t31_155\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S36AD SB S2\" id=\"t32_155\">2020 </span><span class=\"S36AE SA7 S2\" id=\"t33_155\">effective pieces are as follows as at </span><span class=\"S36AF SA7 S2\" id=\"t34_155\">31 December 2022: </span><span class=\"S36B0 S27D S2\" id=\"t35_155\">Approved </span><span class=\"S36B1 S27D S2\" id=\"t36_155\">pieces of </span><span class=\"S36B2 S27D S2\" id=\"t37_155\">shares </span><span class=\"S36B3 S27D S2\" id=\"t38_155\">Exercised </span><span class=\"S36B4 S27D S2\" id=\"t39_155\">until 31 </span><span class=\"S36B5 S27D S2\" id=\"t3a_155\">December </span><span class=\"S36B6 S27D S2\" id=\"t3b_155\">2022 </span><span class=\"S36B7 S27D S2\" id=\"t3c_155\">Weighted average </span><span class=\"S36B8 S27D S2\" id=\"t3d_155\">share price at the date </span><span class=\"S36B9 S27D S2\" id=\"t3e_155\">of exercise (in HUF) </span><span class=\"S36BA S27D S2\" id=\"t3f_155\">Expired </span><span class=\"S36BB S27D S2\" id=\"t3g_155\">pieces </span><span class=\"S36BC S27D S2\" id=\"t3h_155\">Exercisable </span><span class=\"S36BD S27D S2\" id=\"t3i_155\">as at 31 </span><span class=\"S36BE S27D S2\" id=\"t3j_155\">December </span><span class=\"S36BF S27D S2\" id=\"t3k_155\">2022 </span><span class=\"S3641 S27E S2\" id=\"t3l_155\">Share purchasing period </span><span class=\"S3642 S27E S2\" id=\"t3m_155\">started in 2021 </span><span class=\"S36C0 S27E S2\" id=\"t3n_155\">41,098 </span><span class=\"S36C1 S27E S2\" id=\"t3o_155\">14,142 </span><span class=\"S3645 S27E S2\" id=\"t3p_155\">17,997 </span><span class=\"S36C2 S27E S2\" id=\"t3q_155\">26,956 </span><span class=\"S3647 S27E S2\" id=\"t3r_155\">- </span><span class=\"S3648 S27E S2\" id=\"t3s_155\">Remuneration exchanged to share </span><span class=\"S36C3 S27E S2\" id=\"t3t_155\">provided in 2021 </span><span class=\"S364A S27E S2\" id=\"t3u_155\">17,881 </span><span class=\"S364B S27E S2\" id=\"t3v_155\">17,881 </span><span class=\"S364C S27E S2\" id=\"t3w_155\">17,498 </span><span class=\"S364D S27E S2\" id=\"t3x_155\">- </span><span class=\"S364E S27E S2\" id=\"t3y_155\">- </span><span class=\"S364F S27E S2\" id=\"t3z_155\">Share purchasing period </span><span class=\"S3650 S27E S2\" id=\"t40_155\">started in 2022 </span><span class=\"S3651 S27E S2\" id=\"t41_155\">83,688 </span><span class=\"S36C4 S27E S2\" id=\"t42_155\">- </span><span class=\"S36C5 S27E S2\" id=\"t43_155\">- </span><span class=\"S36C6 S27E S2\" id=\"t44_155\">1,288 </span><span class=\"S36C7 S27E S2\" id=\"t45_155\">82,400 </span><span class=\"S3656 S27E S2\" id=\"t46_155\">Remuneration exchanged to share </span><span class=\"S3657 S27E S2\" id=\"t47_155\">provided in 2022 </span><span class=\"S3658 S27E S2\" id=\"t48_155\">15,232 </span><span class=\"S3659 S27E S2\" id=\"t49_155\">14,743 </span><span class=\"S36C8 S27E S2\" id=\"t4a_155\">8,529 </span><span class=\"S365B S27E S2\" id=\"t4b_155\">- </span><span class=\"S36C9 S27E S2\" id=\"t4c_155\">489 </span><span class=\"S365D S27E S2\" id=\"t4d_155\">Share purchasing period </span><span class=\"S365E S27E S2\" id=\"t4e_155\">starting in 2023 </span><span class=\"S36CA S27E S2\" id=\"t4f_155\">- </span><span class=\"S3660 S27E S2\" id=\"t4g_155\">- </span><span class=\"S3661 S27E S2\" id=\"t4h_155\">- </span><span class=\"S3662 S27E S2\" id=\"t4i_155\">- </span><span class=\"S3663 S27E S2\" id=\"t4j_155\">47,826 </span><span class=\"S3664 S27E S2\" id=\"t4k_155\">Remuneration exchanged to share </span><span class=\"S36CB S27E S2\" id=\"t4l_155\">applying in 2023 </span><span class=\"S36CC S27E S2\" id=\"t4m_155\">- </span><span class=\"S36CD S27E S2\" id=\"t4n_155\">- </span><span class=\"S36CE S27E S2\" id=\"t4o_155\">- </span><span class=\"S3669 S27E S2\" id=\"t4p_155\">- </span><span class=\"S36CF S27E S2\" id=\"t4q_155\">9,292 </span><span class=\"S366B S27E S2\" id=\"t4r_155\">Share purchasing period </span><span class=\"S366C S27E S2\" id=\"t4s_155\">starting in 2024 </span><span class=\"S366D S27E S2\" id=\"t4t_155\">- </span><span class=\"S366E S27E S2\" id=\"t4u_155\">- </span><span class=\"S366F S27E S2\" id=\"t4v_155\">- </span><span class=\"S3670 S27E S2\" id=\"t4w_155\">- </span><span class=\"S3671 S27E S2\" id=\"t4x_155\">51,002 </span><span class=\"S3672 S27E S2\" id=\"t4y_155\">Remuneration exchanged to share </span><span class=\"S3673 S27E S2\" id=\"t4z_155\">applying in 2024 </span><span class=\"S3674 S27E S2\" id=\"t50_155\">- </span><span class=\"S3675 S27E S2\" id=\"t51_155\">- </span><span class=\"S3676 S27E S2\" id=\"t52_155\">- </span><span class=\"S3677 S27E S2\" id=\"t53_155\">- </span><span class=\"S36D0 S27E S2\" id=\"t54_155\">9,518 </span><span class=\"S3679 S27E S2\" id=\"t55_155\">Share purchasing period </span><span class=\"S36D1 S27E S2\" id=\"t56_155\">starting in 2025 </span><span class=\"S367B S27E S2\" id=\"t57_155\">- </span><span class=\"S367C S27E S2\" id=\"t58_155\">- </span><span class=\"S367D S27E S2\" id=\"t59_155\">- </span><span class=\"S367E S27E S2\" id=\"t5a_155\">- </span><span class=\"S36D2 S27E S2\" id=\"t5b_155\">13,080 </span><span class=\"S3680 S27E S2\" id=\"t5c_155\">Remuneration exchanged to share </span><span class=\"S3681 S27E S2\" id=\"t5d_155\">applying in 2025 </span><span class=\"S3682 S27E S2\" id=\"t5e_155\">- </span><span class=\"S3683 S27E S2\" id=\"t5f_155\">- </span><span class=\"S3684 S27E S2\" id=\"t5g_155\">- </span><span class=\"S3685 S27E S2\" id=\"t5h_155\">- </span><span class=\"S36D3 S27E S2\" id=\"t5i_155\">3,443 </span><span class=\"S36D4 S27E S2\" id=\"t5j_155\">Remuneration exchanged to share </span><span class=\"S36D5 S27E S2\" id=\"t5k_155\">applying in 2026 </span><span class=\"S36D6 S27E S2\" id=\"t5l_155\">- </span><span class=\"S36D7 S27E S2\" id=\"t5m_155\">- </span><span class=\"S36D8 S27E S2\" id=\"t5n_155\">- </span><span class=\"S36D9 S27E S2\" id=\"t5o_155\">- </span><span class=\"S36DA S27E S2\" id=\"t5p_155\">680 </span><span class=\"S36DB S27E S2\" id=\"t5q_155\">Remuneration exchanged to share </span><span class=\"S36DC S27E S2\" id=\"t5r_155\">applying in 2027 </span><span class=\"S36DD S27E S2\" id=\"t5s_155\">- </span><span class=\"S36DE S27E S2\" id=\"t5t_155\">- </span><span class=\"S36DF S27E S2\" id=\"t5u_155\">- </span><span class=\"S36E0 S27E S2\" id=\"t5v_155\">- </span><span class=\"S36E1 S27E S2\" id=\"t5w_155\">680 </span><span class=\"SFA4 SB S2\" id=\"t3_156\">NOTE 40: </span><span class=\"S1051 SB S2\" id=\"t4_156\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S35C6 SA7 S2\" id=\"t5_156\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S3687 SB S2\" id=\"t6_156\">2021 </span><span class=\"S35C8 SA7 S2\" id=\"t7_156\">effective pieces are as follows as at </span><span class=\"S3688 SA7 S2\" id=\"t8_156\">31 December 2022: </span><span class=\"S35C9 S27D S2\" id=\"t9_156\">Approved </span><span class=\"S35CA S27D S2\" id=\"ta_156\">pieces of </span><span class=\"S35CB S27D S2\" id=\"tb_156\">shares </span><span class=\"S35CC S27D S2\" id=\"tc_156\">Exercised </span><span class=\"S35CD S27D S2\" id=\"td_156\">until 31 </span><span class=\"S35CE S27D S2\" id=\"te_156\">December </span><span class=\"S35CF S27D S2\" id=\"tf_156\">2022 </span><span class=\"S35D0 S27D S2\" id=\"tg_156\">Weighted average </span><span class=\"S36E2 S27D S2\" id=\"th_156\">share price at the date </span><span class=\"S35D2 S27D S2\" id=\"ti_156\">of exercise (in HUF) </span><span class=\"S35D3 S27D S2\" id=\"tj_156\">Expired </span><span class=\"S35D4 S27D S2\" id=\"tk_156\">pieces </span><span class=\"S35D5 S27D S2\" id=\"tl_156\">Exercisable </span><span class=\"S35D6 S27D S2\" id=\"tm_156\">as at 31 </span><span class=\"S35D7 S27D S2\" id=\"tn_156\">December </span><span class=\"S35D8 S27D S2\" id=\"to_156\">2022 </span><span class=\"S35D9 S27E S2\" id=\"tp_156\">Share purchasing period </span><span class=\"S35DA S27E S2\" id=\"tq_156\">started in 2022 </span><span class=\"S3689 S27E S2\" id=\"tr_156\">60,018 </span><span class=\"S368A S27E S2\" id=\"ts_156\">59,776 </span><span class=\"S35DD S27E S2\" id=\"tt_156\">10,122 </span><span class=\"S36E3 S27E S2\" id=\"tu_156\">242 </span><span class=\"S35DF S27E S2\" id=\"tv_156\">- </span><span class=\"S35E0 S27E S2\" id=\"tw_156\">Remuneration exchanged to share </span><span class=\"S35E1 S27E S2\" id=\"tx_156\">provided in 2022 </span><span class=\"S35E2 S27E S2\" id=\"ty_156\">11,028 </span><span class=\"S35E3 S27E S2\" id=\"tz_156\">10,708 </span><span class=\"S36E4 S27E S2\" id=\"t10_156\">8,537 </span><span class=\"S35E5 S27E S2\" id=\"t11_156\">- </span><span class=\"S36E5 S27E S2\" id=\"t12_156\">320 </span><span class=\"S35E7 S27E S2\" id=\"t13_156\">Share purchasing period </span><span class=\"S35E8 S27E S2\" id=\"t14_156\">starting in 2023 </span><span class=\"S36E6 S27E S2\" id=\"t15_156\">- </span><span class=\"S36E7 S27E S2\" id=\"t16_156\">- </span><span class=\"S36E8 S27E S2\" id=\"t17_156\">- </span><span class=\"S35EC S27E S2\" id=\"t18_156\">- </span><span class=\"S36E9 S27E S2\" id=\"t19_156\">117,276 </span><span class=\"S35EE S27E S2\" id=\"t1a_156\">Remuneration exchanged to share </span><span class=\"S35EF S27E S2\" id=\"t1b_156\">applying in 2023 </span><span class=\"S36EA S27E S2\" id=\"t1c_156\">- </span><span class=\"S36EB S27E S2\" id=\"t1d_156\">- </span><span class=\"S36EC S27E S2\" id=\"t1e_156\">- </span><span class=\"S35F3 S27E S2\" id=\"t1f_156\">- </span><span class=\"S36ED S27E S2\" id=\"t1g_156\">10,824 </span><span class=\"S35F5 S27E S2\" id=\"t1h_156\">Share purchasing period </span><span class=\"S35F6 S27E S2\" id=\"t1i_156\">starting in 2024 </span><span class=\"S36EE S27E S2\" id=\"t1j_156\">- </span><span class=\"S368C S27E S2\" id=\"t1k_156\">- </span><span class=\"S368D S27E S2\" id=\"t1l_156\">- </span><span class=\"S36EF S27E S2\" id=\"t1m_156\">- </span><span class=\"S36F0 S27E S2\" id=\"t1n_156\">50,829 </span><span class=\"S35FC S27E S2\" id=\"t1o_156\">Remuneration exchanged to share </span><span class=\"S35FD S27E S2\" id=\"t1p_156\">applying in 2024 </span><span class=\"S36F1 S27E S2\" id=\"t1q_156\">- </span><span class=\"S36F2 S27E S2\" id=\"t1r_156\">- </span><span class=\"S36F3 S27E S2\" id=\"t1s_156\">- </span><span class=\"S3601 S27E S2\" id=\"t1t_156\">- </span><span class=\"S36F4 S27E S2\" id=\"t1u_156\">4,942 </span><span class=\"S3603 S27E S2\" id=\"t1v_156\">Share purchasing period </span><span class=\"S3604 S27E S2\" id=\"t1w_156\">starting in 2025 </span><span class=\"S3691 S27E S2\" id=\"t1x_156\">- </span><span class=\"S3692 S27E S2\" id=\"t1y_156\">- </span><span class=\"S3693 S27E S2\" id=\"t1z_156\">- </span><span class=\"S3608 S27E S2\" id=\"t20_156\">- </span><span class=\"S36F5 S27E S2\" id=\"t21_156\">54,324 </span><span class=\"S360A S27E S2\" id=\"t22_156\">Remuneration exchanged to share </span><span class=\"S360B S27E S2\" id=\"t23_156\">applying in 2025 </span><span class=\"S3695 S27E S2\" id=\"t24_156\">- </span><span class=\"S3696 S27E S2\" id=\"t25_156\">- </span><span class=\"S3697 S27E S2\" id=\"t26_156\">- </span><span class=\"S360F S27E S2\" id=\"t27_156\">- </span><span class=\"S36F6 S27E S2\" id=\"t28_156\">4,942 </span><span class=\"S3611 S27E S2\" id=\"t29_156\">Share purchasing period </span><span class=\"S36F7 S27E S2\" id=\"t2a_156\">starting in 2026 </span><span class=\"S3699 S27E S2\" id=\"t2b_156\">- </span><span class=\"S3614 S27E S2\" id=\"t2c_156\">- </span><span class=\"S3615 S27E S2\" id=\"t2d_156\">- </span><span class=\"S3616 S27E S2\" id=\"t2e_156\">- </span><span class=\"S3617 S27E S2\" id=\"t2f_156\">58,222 </span><span class=\"S3618 S27E S2\" id=\"t2g_156\">Remuneration exchanged to share </span><span class=\"S3619 S27E S2\" id=\"t2h_156\">applying in 2026 </span><span class=\"S369A S27E S2\" id=\"t2i_156\">- </span><span class=\"S369B S27E S2\" id=\"t2j_156\">- </span><span class=\"S369C S27E S2\" id=\"t2k_156\">- </span><span class=\"S361D S27E S2\" id=\"t2l_156\">- </span><span class=\"S36F8 S27E S2\" id=\"t2m_156\">4,942 </span><span class=\"S369E S27E S2\" id=\"t2n_156\">Share purchasing period </span><span class=\"S36F9 S27E S2\" id=\"t2o_156\">starting in 2027 </span><span class=\"S36A0 S27E S2\" id=\"t2p_156\">- </span><span class=\"S36A1 S27E S2\" id=\"t2q_156\">- </span><span class=\"S36A2 S27E S2\" id=\"t2r_156\">- </span><span class=\"S36A3 S27E S2\" id=\"t2s_156\">- </span><span class=\"S36FA S27E S2\" id=\"t2t_156\">25,305 </span><span class=\"S36A5 S27E S2\" id=\"t2u_156\">Remuneration exchanged to share </span><span class=\"S36A6 S27E S2\" id=\"t2v_156\">applying in 2027 </span><span class=\"S36A7 S27E S2\" id=\"t2w_156\">- </span><span class=\"S36A8 S27E S2\" id=\"t2x_156\">- </span><span class=\"S36A9 S27E S2\" id=\"t2y_156\">- </span><span class=\"S36AA S27E S2\" id=\"t2z_156\">- </span><span class=\"S36FB S27E S2\" id=\"t30_156\">631 </span><span class=\"S36FC SA7 S2\" id=\"t31_156\">Effective pieces relating to the periods starting in 2023-2027 settled during valuation of performance of year 2018- </span><span class=\"S36FD SA7 S2\" id=\"t32_156\">2021, can be modified based on risk assessment and personal changes. </span><span class=\"S36FE SA7 S2\" id=\"t33_156\">In connection with the share-based compensation for Board of Directors and connecting compensation, shares </span><span class=\"S36FF SA7 S2\" id=\"t34_156\">given as a part of payments detailed above and for the year 2022 based on performance assessment accounted as </span><span class=\"S3700 SA7 S2\" id=\"t35_156\">equity-settled share-based transactions, HUF 2,948 million and HUF 3,589 million was recognized as expense for </span><span class=\"S3701 SA7 S2\" id=\"t36_156\">the year ended 31 December 2022 and 2021 respectively. </span><span class=\"S3702 SB S2\" id=\"t37_156\">Defined benefit plan </span><span class=\"S3703 SA7 S2\" id=\"t38_156\">Defined benefit plan is post</span><span class=\"S3704 S370C S2\" id=\"t39_156\">\u2011</span><span class=\"S3705 SA7 S2\" id=\"t3a_156\">employment benefit plans other than defined contribution plan. The Group's net </span><span class=\"S3706 SA7 S2\" id=\"t3b_156\">obligation is calculated by estimating the amount of employee's future benefit based on their servicies for the </span><span class=\"S3707 SA7 S2\" id=\"t3c_156\">current and prior periods. The future value of benefit is being discounted to present value. </span><span class=\"S3708 SA7 S2\" id=\"t3d_156\">The Group has small number of plans and mainly in Bulgaria, Serbia, Montenegro, Croatia and Slovenia. These </span><span class=\"S3709 SA7 S2\" id=\"t3e_156\">plans are providing retirement benefits upon pension age as lump-sum payment based either on fixed amounts or </span><span class=\"S370A SA7 S2\" id=\"t3f_156\">certain months of salary. </span><span class=\"S370B SA7 S2\" id=\"t3g_156\">These plans are unfunded consequently there are no significant plan assets associated with these plans. </span><span class=\"S2AB8 SB S2\" id=\"t3_157\">NOTE 40: </span><span class=\"S10A7 SB S2\" id=\"t4_157\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S370D SB S2\" id=\"t5_157\">Defined benefit plan [continued] </span><span class=\"S8AC SA7 S2\" id=\"t6_157\">The movements of defined benefit obligation can be summarized as follows: </span><span class=\"SE8E SB S2\" id=\"t7_157\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_157\">2021 </span><span class=\"SFF5 SB S2\" id=\"t9_157\">Balance as at 1 January </span><span class=\"SFF6 SB S2\" id=\"ta_157\">5,264 </span><span class=\"SFF7 SB S2\" id=\"tb_157\">5,022 </span><span class=\"S370E SA7 S2\" id=\"tc_157\">Current service cost </span><span class=\"S370F SA7 S2\" id=\"td_157\">432 </span><span class=\"S245D SA7 S2\" id=\"te_157\">457 </span><span class=\"S3710 SA7 S2\" id=\"tf_157\">Interest cost </span><span class=\"S3711 SA7 S2\" id=\"tg_157\">105 </span><span class=\"S3712 SA7 S2\" id=\"th_157\">61 </span><span class=\"S3713 SA7 S2\" id=\"ti_157\">Actuarial gains from changes </span><span class=\"S3714 SA7 S2\" id=\"tj_157\">in demographic assumptions </span><span class=\"S3715 SA7 S2\" id=\"tk_157\">(110) </span><span class=\"S3716 SA7 S2\" id=\"tl_157\">(6) </span><span class=\"S1004 SA7 S2\" id=\"tm_157\">Actuarial gains from </span><span class=\"S3717 SA7 S2\" id=\"tn_157\">changes in financial assumptions </span><span class=\"S3718 SA7 S2\" id=\"to_157\">(1,179) </span><span class=\"S3719 SA7 S2\" id=\"tp_157\">(122) </span><span class=\"S371A SA7 S2\" id=\"tq_157\">Benefits paid </span><span class=\"S371B SA7 S2\" id=\"tr_157\">(271) </span><span class=\"S371C SA7 S2\" id=\"ts_157\">(225) </span><span class=\"S371D SA7 S2\" id=\"tt_157\">Past service cost </span><span class=\"S371E SA7 S2\" id=\"tu_157\">47 </span><span class=\"S371F SA7 S2\" id=\"tv_157\">(164) </span><span class=\"S3720 SA7 S2\" id=\"tw_157\">Other decreases (-) / increases (+) </span><span class=\"S3721 SA7 S2\" id=\"tx_157\">(19) </span><span class=\"S3722 SA7 S2\" id=\"ty_157\">252 </span><span class=\"S3723 SA7 S2\" id=\"tz_157\">Revaluation difference </span><span class=\"S3724 SA7 S2\" id=\"t10_157\">459 </span><span class=\"S3725 SA7 S2\" id=\"t11_157\">(11) </span><span class=\"S3726 SB S2\" id=\"t12_157\">Closing balance </span><span class=\"S1835 SB S2\" id=\"t13_157\">4,728 </span><span class=\"S1836 SB S2\" id=\"t14_157\">5,264 </span><span class=\"S3727 SB S2\" id=\"t15_157\">Amounts recognized in profit and loss </span><span class=\"S1BA1 SB S2\" id=\"t16_157\">2022 </span><span class=\"S1BA2 SB S2\" id=\"t17_157\">2021 </span><span class=\"S3728 SA7 S2\" id=\"t18_157\">Current service cost </span><span class=\"S3729 SA7 S2\" id=\"t19_157\">432 </span><span class=\"S372A SA7 S2\" id=\"t1a_157\">457 </span><span class=\"S1432 SA7 S2\" id=\"t1b_157\">Net interest expense </span><span class=\"S372B SA7 S2\" id=\"t1c_157\">105 </span><span class=\"S372C SA7 S2\" id=\"t1d_157\">61 </span><span class=\"S1BCC SA7 S2\" id=\"t1e_157\">Past service cost </span><span class=\"S372D SA7 S2\" id=\"t1f_157\">47 </span><span class=\"S372E SA7 S2\" id=\"t1g_157\">(164) </span><span class=\"S372F SA7 S2\" id=\"t1h_157\">Actuarial losses </span><span class=\"S3730 SA7 S2\" id=\"t1i_157\">(288) </span><span class=\"S3731 SA7 S2\" id=\"t1j_157\">(78) </span><span class=\"S3732 SA7 S2\" id=\"t1k_157\">Other cost </span><span class=\"S3733 SA7 S2\" id=\"t1l_157\">(129) </span><span class=\"S3734 SA7 S2\" id=\"t1m_157\">44 </span><span class=\"S3735 SB S2\" id=\"t1n_157\">Total </span><span class=\"S3736 SB S2\" id=\"t1o_157\">167 </span><span class=\"S3737 SB S2\" id=\"t1p_157\">320 </span><span class=\"S3738 SB S2\" id=\"t1q_157\">Maturity analysis of the present value of defined </span><span class=\"S3739 SB S2\" id=\"t1r_157\">2022 </span><span class=\"S373A SB S2\" id=\"t1s_157\">2021 </span><span class=\"S373B SB S2\" id=\"t1t_157\">benefit obligations </span><span class=\"S373C SA7 S2\" id=\"t1u_157\">Within one year </span><span class=\"S373D SA7 S2\" id=\"t1v_157\">575 </span><span class=\"S373E SA7 S2\" id=\"t1w_157\">127 </span><span class=\"S373F SA7 S2\" id=\"t1x_157\">Within 5 years and over one year </span><span class=\"S3740 SA7 S2\" id=\"t1y_157\">1,285 </span><span class=\"S3741 SA7 S2\" id=\"t1z_157\">1,237 </span><span class=\"S3742 SA7 S2\" id=\"t20_157\">Within 10 years and over 5 years </span><span class=\"S3743 SA7 S2\" id=\"t21_157\">1,470 </span><span class=\"S1BDE SA7 S2\" id=\"t22_157\">2,210 </span><span class=\"S3744 SA7 S2\" id=\"t23_157\">Over 10 years </span><span class=\"S3745 SA7 S2\" id=\"t24_157\">1,398 </span><span class=\"S3746 SA7 S2\" id=\"t25_157\">1,688 </span><span class=\"S3747 SB S2\" id=\"t26_157\">Total present value </span><span class=\"S3748 SB S2\" id=\"t27_157\">4,728 </span><span class=\"S3749 SB S2\" id=\"t28_157\">5,262 </span><span class=\"S374A SB S2\" id=\"t29_157\">Actuarial assumptions </span><span class=\"S374B SB S2\" id=\"t2a_157\">2022 </span><span class=\"S374C SB S2\" id=\"t2b_157\">2021 </span><span class=\"S374D SA7 S2\" id=\"t2c_157\">Discount rate </span><span class=\"S374E SA7 S2\" id=\"t2d_157\">1.80% - 6.00% </span><span class=\"S374F SA7 S2\" id=\"t2e_157\">0.35% - 4.50% </span><span class=\"S3750 SA7 S2\" id=\"t2f_157\">Future salary increases </span><span class=\"S3751 SA7 S2\" id=\"t2g_157\">0.75% - 8.00% </span><span class=\"S3752 SA7 S2\" id=\"t2h_157\">0.75% - 8.00% </span><span class=\"S3753 SA7 S2\" id=\"t2i_157\">Since plan asset is not recognized in the Consolidated Financial Statements, the effect of the asset ceiling, the </span><span class=\"S3754 SA7 S2\" id=\"t2j_157\">effect of changes in foreign exchange rates and the return on plan assets, excluding amounts included in interest </span><span class=\"S3755 SA7 S2\" id=\"t2k_157\">accounts are also not recognized and therefore not presented. </span><span class=\"S3756 SA7 S2\" id=\"t2l_157\">OTP Group made an insignificant amount of contribution to the defined benefit plans during the year ended 31 </span><span class=\"S3757 SA7 S2\" id=\"t2m_157\">December 2022 and 2021. </span><span class=\"SFA4 SB S2\" id=\"t3_158\">NOTE 41: </span><span class=\"S7A3 SB S2\" id=\"t4_158\">RELATED PARTY TRANSACTIONS (in HUF mn) </span><span class=\"S3758 SA7 S2\" id=\"t5_158\">The compensation of key management personnel, such as the members of the Board of Directors, members of the </span><span class=\"S3759 SA7 S2\" id=\"t6_158\">Supervisory Board, key employees of the Bank and its major subsidiaries involved in the decision-making process </span><span class=\"S375A SA7 S2\" id=\"t7_158\">in accordance with the compensation categories defined in IAS 24 Related Party Disclosures, is summarised </span><span class=\"S375B SA7 S2\" id=\"t8_158\">below: </span><span class=\"S375C SB S2\" id=\"t9_158\">Compensations </span><span class=\"SF38 SB S2\" id=\"ta_158\">2022 </span><span class=\"SF39 SB S2\" id=\"tb_158\">2021 </span><span class=\"S375D SA7 S2\" id=\"tc_158\">Short-term employee benefits </span><span class=\"S375E SA7 S2\" id=\"td_158\">9,790 </span><span class=\"SF8E SA7 S2\" id=\"te_158\">8,881 </span><span class=\"S375F SA7 S2\" id=\"tf_158\">Share-based payment </span><span class=\"SF3F SA7 S2\" id=\"tg_158\">2,638 </span><span class=\"S3760 SA7 S2\" id=\"th_158\">3,110 </span><span class=\"S3761 SA7 S2\" id=\"ti_158\">Other long-term employee benefits </span><span class=\"S3762 SA7 S2\" id=\"tj_158\">875 </span><span class=\"S3763 SA7 S2\" id=\"tk_158\">743 </span><span class=\"S3764 SA7 S2\" id=\"tl_158\">Termination benefits </span><span class=\"S3765 SA7 S2\" id=\"tm_158\">293 </span><span class=\"S3766 SA7 S2\" id=\"tn_158\">- </span><span class=\"S3767 SA7 S2\" id=\"to_158\">Post-employment benefits </span><span class=\"S3768 SA7 S2\" id=\"tp_158\">1 </span><span class=\"S3769 SA7 S2\" id=\"tq_158\">112 </span><span class=\"S376A SB S2\" id=\"tr_158\">Total </span><span class=\"S376B SB S2\" id=\"ts_158\">13,597 </span><span class=\"S376C SB S2\" id=\"tt_158\">12,846 </span><span class=\"S376D SA7 S2\" id=\"tu_158\">Share based compensations to the members of the Board of Directors, Supervisory Board or key employees of the </span><span class=\"S376E SA7 S2\" id=\"tv_158\">Bank and its major subsidiaries are detailed in Note 40 Share-based payments. </span><span class=\"S376F SA7 S2\" id=\"tw_158\">An analysis of payment to executives of the Group related to their activity in Board of Directors and Supervisory </span><span class=\"S3770 SA7 S2\" id=\"tx_158\">Board is as follows: </span><span class=\"S3771 SB S2\" id=\"ty_158\">2022 </span><span class=\"S3772 SB S2\" id=\"tz_158\">2021 </span><span class=\"S3773 SA7 S2\" id=\"t10_158\">Members of Board of Directors </span><span class=\"S3774 SA7 S2\" id=\"t11_158\">3,049 </span><span class=\"S3775 SA7 S2\" id=\"t12_158\">3,023 </span><span class=\"S3776 SA7 S2\" id=\"t13_158\">Members of Supervisory Board </span><span class=\"S3777 SA7 S2\" id=\"t14_158\">386 </span><span class=\"S3778 SA7 S2\" id=\"t15_158\">283 </span><span class=\"S3779 SB S2\" id=\"t16_158\">Total </span><span class=\"S377A SB S2\" id=\"t17_158\">3,435 </span><span class=\"S377B SB S2\" id=\"t18_158\">3,306 </span><span class=\"S1123 SB S2\" id=\"t3_159\">NOTE 41: </span><span class=\"S1F82 SB S2\" id=\"t4_159\">RELATED PARTY TRANSACTIONS (in HUF mn) [continued] </span><span class=\"S377C SA7 S2\" id=\"t5_159\">Connections with related party (key management personnel and their close family member and companies) by which line of the consolidated statement of financial position and </span><span class=\"SBB3 SA7 S2\" id=\"t6_159\">off-balance sheet is presented: </span><span class=\"S377D S27D S2\" id=\"t7_159\">2022 </span><span class=\"S377E S27D S2\" id=\"t8_159\">2021 </span><span class=\"S377F S27D S2\" id=\"t9_159\">Assets </span><span class=\"S3780 S27D S2\" id=\"ta_159\">Other </span><span class=\"S3781 S27D S2\" id=\"tb_159\">related </span><span class=\"S3782 S27D S2\" id=\"tc_159\">parties </span><span class=\"S3783 S27D S2\" id=\"td_159\">Associated </span><span class=\"S3784 S27D S2\" id=\"te_159\">companies </span><span class=\"S3785 S27D S2\" id=\"tf_159\">Other </span><span class=\"S3786 S27D S2\" id=\"tg_159\">companies </span><span class=\"S3787 S27D S2\" id=\"th_159\">Total </span><span class=\"S3788 S27D S2\" id=\"ti_159\">Other </span><span class=\"S3789 S27D S2\" id=\"tj_159\">related </span><span class=\"S378A S27D S2\" id=\"tk_159\">parties </span><span class=\"S378B S27D S2\" id=\"tl_159\">Associated </span><span class=\"S378C S27D S2\" id=\"tm_159\">companies </span><span class=\"S378D S27D S2\" id=\"tn_159\">Other </span><span class=\"S378E S27D S2\" id=\"to_159\">companies </span><span class=\"S378F S27D S2\" id=\"tp_159\">Total </span><span class=\"S3790 S27E S2\" id=\"tq_159\">Securities </span><span class=\"S3791 S27E S2\" id=\"tr_159\">601 </span><span class=\"S3792 S27E S2\" id=\"ts_159\">- </span><span class=\"S3793 S27E S2\" id=\"tt_159\">- </span><span class=\"S3794 S27E S2\" id=\"tu_159\">601 </span><span class=\"S3795 S27E S2\" id=\"tv_159\">596 </span><span class=\"S3796 S27E S2\" id=\"tw_159\">- </span><span class=\"S3797 S27E S2\" id=\"tx_159\">- </span><span class=\"S3798 S27E S2\" id=\"ty_159\">596 </span><span class=\"S3799 S27E S2\" id=\"tz_159\">Loans at amortized cost (gross value) </span><span class=\"S379A S27E S2\" id=\"t10_159\">75,704 </span><span class=\"S379B S27E S2\" id=\"t11_159\">23,554 </span><span class=\"S379C S27E S2\" id=\"t12_159\">4,067 </span><span class=\"S379D S27E S2\" id=\"t13_159\">103,325 </span><span class=\"S379E S27E S2\" id=\"t14_159\">111,529 </span><span class=\"S379F S27E S2\" id=\"t15_159\">1,828 </span><span class=\"S37A0 S27E S2\" id=\"t16_159\">1,798 </span><span class=\"S37A1 S27E S2\" id=\"t17_159\">115,155 </span><span class=\"S37A2 S27E S2\" id=\"t18_159\">Loss allowance on loans at amortized cost </span><span class=\"S37A3 S27E S2\" id=\"t19_159\">- </span><span class=\"S37A4 S27E S2\" id=\"t1a_159\">- </span><span class=\"S37A5 S27E S2\" id=\"t1b_159\">- </span><span class=\"S37A6 S27E S2\" id=\"t1c_159\">- </span><span class=\"S37A7 S27E S2\" id=\"t1d_159\">(3,197) </span><span class=\"S37A8 S27E S2\" id=\"t1e_159\">(669) </span><span class=\"S37A9 S27E S2\" id=\"t1f_159\">(6) </span><span class=\"S37AA S27E S2\" id=\"t1g_159\">(3,872) </span><span class=\"S37AB S27E S2\" id=\"t1h_159\">Finance lease receivable </span><span class=\"S37AC S27E S2\" id=\"t1i_159\">- </span><span class=\"S37AD S27E S2\" id=\"t1j_159\">22 </span><span class=\"S37AE S27E S2\" id=\"t1k_159\">- </span><span class=\"S37AF S27E S2\" id=\"t1l_159\">22 </span><span class=\"S37B0 S27E S2\" id=\"t1m_159\">- </span><span class=\"S37B1 S27E S2\" id=\"t1n_159\">- </span><span class=\"S37B2 S27E S2\" id=\"t1o_159\">- </span><span class=\"S37B3 S27E S2\" id=\"t1p_159\">- </span><span class=\"S37B4 S27E S2\" id=\"t1q_159\">Loans at fair value through profit or loss </span><span class=\"S37B5 S27E S2\" id=\"t1r_159\">164 </span><span class=\"S37B6 S27E S2\" id=\"t1s_159\">- </span><span class=\"S37B7 S27E S2\" id=\"t1t_159\">- </span><span class=\"S37B8 S27E S2\" id=\"t1u_159\">164 </span><span class=\"S37B9 S27E S2\" id=\"t1v_159\">108 </span><span class=\"S37BA S27E S2\" id=\"t1w_159\">- </span><span class=\"S37BB S27E S2\" id=\"t1x_159\">- </span><span class=\"S37BC S27E S2\" id=\"t1y_159\">108 </span><span class=\"S37BD S27D S2\" id=\"t1z_159\">Total assets </span><span class=\"S37BE S27D S2\" id=\"t20_159\">76,469 </span><span class=\"S37BF S27D S2\" id=\"t21_159\">23,576 </span><span class=\"S37C0 S27D S2\" id=\"t22_159\">4,067 </span><span class=\"S37C1 S27D S2\" id=\"t23_159\">104,112 </span><span class=\"S37C2 S27D S2\" id=\"t24_159\">109,036 </span><span class=\"S37C3 S27D S2\" id=\"t25_159\">1,159 </span><span class=\"S37C4 S27D S2\" id=\"t26_159\">1,792 </span><span class=\"S37C5 S27D S2\" id=\"t27_159\">111,987 </span><span class=\"S37C6 S27D S2\" id=\"t28_159\">Liabilities </span><span class=\"S37C7 S27E S2\" id=\"t29_159\">Deposits from customers and loan liabilities </span><span class=\"S37C8 S27E S2\" id=\"t2a_159\">54,002 </span><span class=\"S37C9 S27E S2\" id=\"t2b_159\">12,490 </span><span class=\"S37CA S27E S2\" id=\"t2c_159\">2,104 </span><span class=\"S37CB S27E S2\" id=\"t2d_159\">68,596 </span><span class=\"S37CC S27E S2\" id=\"t2e_159\">39,872 </span><span class=\"S37CD S27E S2\" id=\"t2f_159\">4,280 </span><span class=\"S37CE S27E S2\" id=\"t2g_159\">2,732 </span><span class=\"S37CF S27E S2\" id=\"t2h_159\">46,884 </span><span class=\"S37D0 S27E S2\" id=\"t2i_159\">Fair value adjustment of </span><span class=\"S37D1 S27E S2\" id=\"t2j_159\">derivative financial instruments </span><span class=\"S37D2 S27E S2\" id=\"t2k_159\">- </span><span class=\"S37D3 S27E S2\" id=\"t2l_159\">46 </span><span class=\"S37D4 S27E S2\" id=\"t2m_159\">- </span><span class=\"S37D5 S27E S2\" id=\"t2n_159\">46 </span><span class=\"S37D6 S27E S2\" id=\"t2o_159\">- </span><span class=\"S37D7 S27E S2\" id=\"t2p_159\">- </span><span class=\"S37D8 S27E S2\" id=\"t2q_159\">- </span><span class=\"S37D9 S27E S2\" id=\"t2r_159\">- </span><span class=\"S37DA S27D S2\" id=\"t2s_159\">Total liabilities </span><span class=\"S37DB S27D S2\" id=\"t2t_159\">54,002 </span><span class=\"S37DC S27D S2\" id=\"t2u_159\">12,536 </span><span class=\"S37DD S27D S2\" id=\"t2v_159\">2,104 </span><span class=\"S37DE S27D S2\" id=\"t2w_159\">68,642 </span><span class=\"S37DF S27D S2\" id=\"t2x_159\">39,872 </span><span class=\"S37E0 S27D S2\" id=\"t2y_159\">4,280 </span><span class=\"S37E1 S27D S2\" id=\"t2z_159\">2,732 </span><span class=\"S37E2 S27D S2\" id=\"t30_159\">46,884 </span><span class=\"S1123 SB S2\" id=\"t3_160\">NOTE 41: </span><span class=\"S1F82 SB S2\" id=\"t4_160\">RELATED PARTY TRANSACTIONS (in HUF mn) [continued] </span><span class=\"S377C SA7 S2\" id=\"t5_160\">Connections with related party (key management personnel and their close family member and companies) by which line of the consolidated statement of financial position and </span><span class=\"S37E3 SA7 S2\" id=\"t6_160\">off-balance sheet is presented [continued]: </span><span class=\"S37E4 S27D S2\" id=\"t7_160\">2022 </span><span class=\"S37E5 S27D S2\" id=\"t8_160\">2021 </span><span class=\"S37E6 S27D S2\" id=\"t9_160\">Off-balance sheet items </span><span class=\"S37E7 S27D S2\" id=\"ta_160\">Other </span><span class=\"S37E8 S27D S2\" id=\"tb_160\">related </span><span class=\"S37E9 S27D S2\" id=\"tc_160\">parties </span><span class=\"S37EA S27D S2\" id=\"td_160\">Associated </span><span class=\"S37EB S27D S2\" id=\"te_160\">companies </span><span class=\"S37EC S27D S2\" id=\"tf_160\">Other </span><span class=\"S37ED S27D S2\" id=\"tg_160\">companies </span><span class=\"S37EE S27D S2\" id=\"th_160\">Total </span><span class=\"S37EF S27D S2\" id=\"ti_160\">Other </span><span class=\"S37F0 S27D S2\" id=\"tj_160\">related </span><span class=\"S37F1 S27D S2\" id=\"tk_160\">parties </span><span class=\"S37F2 S27D S2\" id=\"tl_160\">Associated </span><span class=\"S37F3 S27D S2\" id=\"tm_160\">companies </span><span class=\"S37F4 S27D S2\" id=\"tn_160\">Other </span><span class=\"S37F5 S27D S2\" id=\"to_160\">companies </span><span class=\"S37F6 S27D S2\" id=\"tp_160\">Total </span><span class=\"S37F7 S27E S2\" id=\"tq_160\">Undrawn line of credit </span><span class=\"S37F8 S27E S2\" id=\"tr_160\">47,522 </span><span class=\"S37F9 S27E S2\" id=\"ts_160\">322 </span><span class=\"S37FA S27E S2\" id=\"tt_160\">2,209 </span><span class=\"S37FB S27E S2\" id=\"tu_160\">50,053 </span><span class=\"S37FC S27E S2\" id=\"tv_160\">30,369 </span><span class=\"S37FD S27E S2\" id=\"tw_160\">1,913 </span><span class=\"S37FE S27E S2\" id=\"tx_160\">1,176 </span><span class=\"S37FF S27E S2\" id=\"ty_160\">33,458 </span><span class=\"S3800 S27E S2\" id=\"tz_160\">Bank Guarantee </span><span class=\"S3801 S27E S2\" id=\"t10_160\">8,455 </span><span class=\"S3802 S27E S2\" id=\"t11_160\">- </span><span class=\"S3803 S27E S2\" id=\"t12_160\">2,652 </span><span class=\"S3804 S27E S2\" id=\"t13_160\">11,107 </span><span class=\"S3805 S27E S2\" id=\"t14_160\">6,220 </span><span class=\"S3806 S27E S2\" id=\"t15_160\">- </span><span class=\"S3807 S27E S2\" id=\"t16_160\">551 </span><span class=\"S3808 S27E S2\" id=\"t17_160\">6,771 </span><span class=\"S3809 S27E S2\" id=\"t18_160\">Commitments and guarantees given </span><span class=\"S380A S27E S2\" id=\"t19_160\">24 </span><span class=\"S380B S27E S2\" id=\"t1a_160\">- </span><span class=\"S380C S27E S2\" id=\"t1b_160\">- </span><span class=\"S380D S27E S2\" id=\"t1c_160\">24 </span><span class=\"S380E S27E S2\" id=\"t1d_160\">- </span><span class=\"S380F S27E S2\" id=\"t1e_160\">- </span><span class=\"S3810 S27E S2\" id=\"t1f_160\">- </span><span class=\"S3811 S27E S2\" id=\"t1g_160\">- </span><span class=\"S3812 S27D S2\" id=\"t1h_160\">Total off-balance sheet items </span><span class=\"S3813 S27D S2\" id=\"t1i_160\">56,001 </span><span class=\"S3814 S27D S2\" id=\"t1j_160\">322 </span><span class=\"S3815 S27D S2\" id=\"t1k_160\">4,861 </span><span class=\"S3816 S27D S2\" id=\"t1l_160\">61,184 </span><span class=\"S3817 S27D S2\" id=\"t1m_160\">36,589 </span><span class=\"S3818 S27D S2\" id=\"t1n_160\">1,913 </span><span class=\"S3819 S27D S2\" id=\"t1o_160\">1,727 </span><span class=\"S381A S27D S2\" id=\"t1p_160\">40,229 </span><span class=\"S381B SB S2\" id=\"t1q_160\">Statement of profit or loss </span><span class=\"S381C SB S2\" id=\"t1r_160\">2022 </span><span class=\"S381D SB S2\" id=\"t1s_160\">2021 </span><span class=\"S381E SB S2\" id=\"t1t_160\">(turnover during the current period) </span><span class=\"S381F SA7 S2\" id=\"t1u_160\">Interest income </span><span class=\"S3820 SA7 S2\" id=\"t1v_160\">860 </span><span class=\"S3821 SA7 S2\" id=\"t1w_160\">167 </span><span class=\"S3822 SA7 S2\" id=\"t1x_160\">Fees and commissions </span><span class=\"S3823 SA7 S2\" id=\"t1y_160\">117 </span><span class=\"S3824 SA7 S2\" id=\"t1z_160\">61 </span><span class=\"S3825 SA7 S2\" id=\"t20_160\">Interest expense </span><span class=\"S3826 SA7 S2\" id=\"t21_160\">(243) </span><span class=\"S3827 SA7 S2\" id=\"t22_160\">(13) </span><span class=\"S3828 SA7 S2\" id=\"t23_160\">Fees and commission expenses </span><span class=\"S3829 SA7 S2\" id=\"t24_160\">(7) </span><span class=\"S382A SA7 S2\" id=\"t25_160\">(22) </span><span class=\"S382B SA7 S2\" id=\"t26_160\">Loss allowance / Provision </span><span class=\"S382C SA7 S2\" id=\"t27_160\">on loans, placements, for commitments and guarantees given </span><span class=\"S382D SA7 S2\" id=\"t28_160\">(29) </span><span class=\"S382E SA7 S2\" id=\"t29_160\">(652) </span><span class=\"S382F SA7 S2\" id=\"t2a_160\">Operational costs </span><span class=\"S3830 SA7 S2\" id=\"t2b_160\">(1,852) </span><span class=\"S3831 SA7 S2\" id=\"t2c_160\">(224) </span><span class=\"S3832 SA7 S2\" id=\"t2d_160\">In the normal course of business, the Bank enters into other transactions with its unconsolidated subsidiaries of the Group, the amounts and volumes of which are not significant </span><span class=\"S3833 SA7 S2\" id=\"t2e_160\">to these Consolidated Financial Statements taken as a whole. Related party transactions were made on t </span><span class=\"S3834 S5B9 S2\" id=\"t2f_160\">erms equivalent to those that prevail in arm\u2019s length transactions and </span><span class=\"S3835 SA7 S2\" id=\"t2g_160\">such terms can be substantiated. </span><span class=\"SFA4 SB S2\" id=\"t3_161\">NOTE 42: </span><span class=\"S13E0 SB S2\" id=\"t4_161\">ACQUISITION (in HUF mn) </span><span class=\"S3836 SB S2\" id=\"t5_161\">Purchase and consolidation of subsidiaries </span><span class=\"S3837 SA7 S2\" id=\"t6_161\">On 6 December 2021 OTP Bank signed an acquisition agreement with Alpha International Holdings Single </span><span class=\"S3838 SA7 S2\" id=\"t7_161\">Member S.A. on purchasing 100% shareholding of Alpha Bank SH.A., the Albanian subsidiary of the Greek Alpha </span><span class=\"S3839 SA7 S2\" id=\"t8_161\">Bank S.A. The purchase price has been agreed at EUR 55 million. The financial closing of the transaction was </span><span class=\"S383A SA7 S2\" id=\"t9_161\">completed on 18 July 2022. </span><span class=\"S383B SA7 S2\" id=\"ta_161\">The Seller shall, on an after-tax basis, indemnify and keep indemnified OTP Bank (the Purchaser) against all losses </span><span class=\"S383C SA7 S2\" id=\"tb_161\">suffered or incurred by it arising directly out of two lawsuits. The aggregate liability of the Seller for all indemnity </span><span class=\"S383D SA7 S2\" id=\"tc_161\">claims shall not exceed three million euros. </span><span class=\"S383E SA7 S2\" id=\"td_161\">The Seller made a strategic decision to dispose of its Albanian subsidiary. Purchasing an entity with negative </span><span class=\"S383F SA7 S2\" id=\"te_161\">goodwill is reasoned by altogether the expected cost synergies arising from the market situation in Albania. </span><span class=\"S3840 SA7 S2\" id=\"tf_161\">On 31 May 2021, OTP Bank signed a share sale and purchase agreement on purchasing 100% shareholding of </span><span class=\"S3841 SA7 S2\" id=\"tg_161\">Nova KBM d.d. and its subsidiaries, which are 80% owned by funds managed by affiliates of Apollo Global </span><span class=\"S3842 SA7 S2\" id=\"th_161\">Management, Inc. and 20% by EBRD. The financial closing of the transaction took place on 6 February 2023, </span><span class=\"S7B0 SA7 S2\" id=\"ti_161\">after obtaining all the necessary regulatory approvals. </span><span class=\"S3843 SA7 S2\" id=\"tj_161\">The Nova KBM acquisition completed in February 2023 and the pending acquisition of Ipoteka Bank in </span><span class=\"S3844 SA7 S2\" id=\"tk_161\">Uzbekistan (expected to be financially closed in the second quarter) may substantially contribute to the </span><span class=\"S3845 SA7 S2\" id=\"tl_161\">consolidated profit after tax; in addition to this, the expected positive after-tax effect of one-off items to be booked </span><span class=\"S1E56 SA7 S2\" id=\"tm_161\">in relation to the consolidation of Nova KBM (badwill, PPA, initial risk cost, etc.) might reach EUR 230 million. </span><span class=\"S3846 SA7 S2\" id=\"tn_161\">The fair value of the assets and liabilities acquired is as follows: </span><span class=\"S3847 SB S2\" id=\"to_161\">Alpha Bank SH.A. </span><span class=\"S3848 SA7 S2\" id=\"tp_161\">Cash amounts and due from banks and </span><span class=\"S3849 SA7 S2\" id=\"tq_161\">balances with the National Banks </span><span class=\"S384A SA7 S2\" id=\"tr_161\">(58,880) </span><span class=\"S384B SA7 S2\" id=\"ts_161\">Placements with other banks, repo receivables </span><span class=\"S384C SA7 S2\" id=\"tt_161\">(26,500) </span><span class=\"S384D SA7 S2\" id=\"tu_161\">Financial assets at fair value through profit or loss </span><span class=\"S384E SA7 S2\" id=\"tv_161\">- </span><span class=\"S384F SA7 S2\" id=\"tw_161\">Securities at fair value through other comprehensive income </span><span class=\"S3850 SA7 S2\" id=\"tx_161\">(46,003) </span><span class=\"S3851 SA7 S2\" id=\"ty_161\">Loans at amortized cost </span><span class=\"S3852 SA7 S2\" id=\"tz_161\">(101,642) </span><span class=\"S3853 SA7 S2\" id=\"t10_161\">Loans mandatorily at fair value through profit or loss </span><span class=\"S3854 SA7 S2\" id=\"t11_161\">- </span><span class=\"S3855 SA7 S2\" id=\"t12_161\">Associates and other investments </span><span class=\"S3856 SA7 S2\" id=\"t13_161\">- </span><span class=\"S3857 SA7 S2\" id=\"t14_161\">Securities at amortized cost </span><span class=\"S3858 SA7 S2\" id=\"t15_161\">(3,038) </span><span class=\"S3859 SA7 S2\" id=\"t16_161\">Property and equipment </span><span class=\"S385A SA7 S2\" id=\"t17_161\">(1,063) </span><span class=\"S385B SA7 S2\" id=\"t18_161\">Intangible assets </span><span class=\"S385C SA7 S2\" id=\"t19_161\">(1,391) </span><span class=\"S385D SA7 S2\" id=\"t1a_161\">Right-of-use assets </span><span class=\"S385E SA7 S2\" id=\"t1b_161\">(3,209) </span><span class=\"S385F SA7 S2\" id=\"t1c_161\">Investment properties </span><span class=\"S3860 SA7 S2\" id=\"t1d_161\">- </span><span class=\"S3861 SA7 S2\" id=\"t1e_161\">Derivative financial assets designated as hedge accounting </span><span class=\"S3862 SA7 S2\" id=\"t1f_161\">- </span><span class=\"S3863 SA7 S2\" id=\"t1g_161\">Other assets </span><span class=\"S3864 SA7 S2\" id=\"t1h_161\">(6,852) </span><span class=\"S3865 SB S2\" id=\"t1i_161\">Total assets </span><span class=\"S3866 SB S2\" id=\"t1j_161\">(248,579) </span><span class=\"SFA4 SB S2\" id=\"t3_162\">NOTE 42: </span><span class=\"S3867 SB S2\" id=\"t4_162\">ACQUISITION (in HUF mn) [continued] </span><span class=\"S3868 SA7 S2\" id=\"t5_162\">The fair value of the assets and liabilities acquired is as follows [continued]: </span><span class=\"S3869 SB S2\" id=\"t6_162\">Alpha Bank SH.A. </span><span class=\"S386A SA7 S2\" id=\"t7_162\">Amounts due to the banks, the National Governments, deposits </span><span class=\"S386B SA7 S2\" id=\"t8_162\">from the National Banks and other banks and repo liabilities </span><span class=\"S386C SA7 S2\" id=\"t9_162\">1,969 </span><span class=\"S386D SA7 S2\" id=\"ta_162\">Financial liabilities designated at fair value through profit or loss </span><span class=\"SDFD SA7 S2\" id=\"tb_162\">- </span><span class=\"S386E SA7 S2\" id=\"tc_162\">Deposits from customers </span><span class=\"SD7A SA7 S2\" id=\"td_162\">213,400 </span><span class=\"S386F SA7 S2\" id=\"te_162\">Liabilities from issued securities </span><span class=\"SEEA SA7 S2\" id=\"tf_162\">- </span><span class=\"S3870 SA7 S2\" id=\"tg_162\">Derivative financial liabilities held for trading </span><span class=\"SE03 SA7 S2\" id=\"th_162\">- </span><span class=\"S3871 SA7 S2\" id=\"ti_162\">Derivative financial liabilities designated as hedge accounting </span><span class=\"SE06 SA7 S2\" id=\"tj_162\">- </span><span class=\"S3872 SA7 S2\" id=\"tk_162\">Leasing liabilities </span><span class=\"S3873 SA7 S2\" id=\"tl_162\">3,346 </span><span class=\"S3874 SA7 S2\" id=\"tm_162\">Other liabilities </span><span class=\"S139E SA7 S2\" id=\"tn_162\">6,089 </span><span class=\"S3875 SA7 S2\" id=\"to_162\">Subordinated bonds and loans </span><span class=\"S3876 SA7 S2\" id=\"tp_162\">- </span><span class=\"S3877 SB S2\" id=\"tq_162\">Total liabilities </span><span class=\"S3878 SB S2\" id=\"tr_162\">224,804 </span><span class=\"S3879 SB S2\" id=\"ts_162\">Net assets </span><span class=\"S387A SB S2\" id=\"tt_162\">(23,775) </span><span class=\"S387B SB S2\" id=\"tu_162\">2022 </span><span class=\"S387C SA7 S2\" id=\"tv_162\">Net assets total </span><span class=\"S387D SA7 S2\" id=\"tw_162\">(23,775) </span><span class=\"S387E SA7 S2\" id=\"tx_162\">Non-controlling interest </span><span class=\"S339E SA7 S2\" id=\"ty_162\">- </span><span class=\"S387F SA7 S2\" id=\"tz_162\">Negative goodwill </span><span class=\"S3880 SA7 S2\" id=\"t10_162\">3,784 </span><span class=\"S3881 SB S2\" id=\"t11_162\">Net cash </span><span class=\"S3882 SB S2\" id=\"t12_162\">(19,991) </span><span class=\"S3883 SA7 S2\" id=\"t13_162\">Cash acquired on purchase </span><span class=\"S3884 SA7 S2\" id=\"t14_162\">58,880 </span><span class=\"S3885 SB S2\" id=\"t15_162\">Net cash paid for acquisition </span><span class=\"S3886 SB S2\" id=\"t16_162\">38,889 </span><span class=\"S3887 S5B9 S2\" id=\"t17_162\">Breakdown of the acquired entity\u2019s income, </span><span class=\"S3888 SA7 S2\" id=\"t18_162\">profit / loss from the date of the acquisition: </span><span class=\"S3889 SB S2\" id=\"t19_162\">Interest income </span><span class=\"S388A SB S2\" id=\"t1a_162\">Net result </span><span class=\"S388B SA7 S2\" id=\"t1b_162\">Alpha Bank SH.A. </span><span class=\"S388C SA7 S2\" id=\"t1c_162\">2,704 </span><span class=\"S388D SA7 S2\" id=\"t1d_162\">(5,920) </span><span class=\"S388E S5B9 S2\" id=\"t1e_162\">Breakdown of the acquired entity\u2019s income, profit / loss if the Group would have acquired from the beginning of </span><span class=\"S388F SA7 S2\" id=\"t1f_162\">year 2022: </span><span class=\"S3890 SB S2\" id=\"t1g_162\">Interest income </span><span class=\"S3891 SB S2\" id=\"t1h_162\">Net result </span><span class=\"S3892 SA7 S2\" id=\"t1i_162\">Alpha Bank SH.A. </span><span class=\"S3893 SA7 S2\" id=\"t1j_162\">6,889 </span><span class=\"S3894 SA7 S2\" id=\"t1k_162\">(11,572) </span><span class=\"S3895 SA7 S2\" id=\"t1l_162\">With the acquisition the following shares were purchased: </span><span class=\"S3896 SB S2\" id=\"t1m_162\">Number of </span><span class=\"S3897 SB S2\" id=\"t1n_162\">shares </span><span class=\"S3898 SB S2\" id=\"t1o_162\">Type </span><span class=\"S3899 SB S2\" id=\"t1p_162\">Voting rights </span><span class=\"S389A SA7 S2\" id=\"t1q_162\">ALPHAALTECH1 </span><span class=\"S389B SA7 S2\" id=\"t1r_162\">5,720,372 </span><span class=\"S389C SA7 S2\" id=\"t1s_162\">Common stock </span><span class=\"S389D SA7 S2\" id=\"t1t_162\">100.00% </span><span class=\"SFA4 SB S2\" id=\"t3_163\">NOTE 43: </span><span class=\"S153B SB S2\" id=\"t4_163\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) </span><span class=\"S389E SA7 S2\" id=\"t5_163\">The control is established when the Group has the right and exposure over the variable positive yield of the investee </span><span class=\"S389F SA7 S2\" id=\"t6_163\">but the same time put up with the consequences of the negative returns and the Group by its decisions is able to </span><span class=\"S38A0 SA7 S2\" id=\"t7_163\">influence the extent of the yields. </span><span class=\"S38A1 SA7 S2\" id=\"t8_163\">The Group primarily considering the following factors in the process of determining the existing of the control: </span><span class=\"S38A2 SA7 S2\" id=\"t9_163\">- investigation of the decision-making mechanism of the entity, </span><span class=\"S38A3 SA7 S2\" id=\"ta_163\">- authority of the Board of Directors, Supervisory Board and General meeting based on the deed of association, </span><span class=\"S38A4 SA7 S2\" id=\"tb_163\">- existence of investments with preferential voting rights. </span><span class=\"S779 S5B9 S2\" id=\"tc_163\">If the control can\u2019t be obviously determined, then it should be supposed that the control does </span><span class=\"S38A5 SA7 S2\" id=\"td_163\">not exist. </span><span class=\"S38A6 SA7 S2\" id=\"te_163\">Significant influence is presumed by the Group to exist </span><span class=\"S38A7 S5B9 S2\" id=\"tf_163\">\u2013 </span><span class=\"S38A8 SA7 S2\" id=\"tg_163\">unless the contrary case is proven </span><span class=\"S38A9 S5B9 S2\" id=\"th_163\">\u2013 </span><span class=\"S38AA SA7 S2\" id=\"ti_163\">when the Group </span><span class=\"S9F9 SA7 S2\" id=\"tj_163\">holds 20% or more of the voting power of an investee but does not have a control. </span><span class=\"S38AB SA7 S2\" id=\"tk_163\">Investments in companies in which the Bank has a controlling interest are detailed below. They are fully </span><span class=\"S38AC SA7 S2\" id=\"tl_163\">consolidated companies and incorporated in Hungary unless otherwise stated. The Group considers a subsidiary </span><span class=\"S38AD SA7 S2\" id=\"tm_163\">significant when it is a financial institution or when the subsidiary contributes to the Grou</span><span class=\"S38AE S5B9 S2\" id=\"tn_163\">ps\u2019 total balance sheet </span><span class=\"S38AF SA7 S2\" id=\"to_163\">with higher amount. The Bank considers the subsidiaries as cash generating units. </span><span class=\"S1123 SB S2\" id=\"t3_164\">NOTE 43: </span><span class=\"S38B0 SB S2\" id=\"t4_164\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S38B1 SB S2\" id=\"t5_164\">Significant subsidiaries </span><span class=\"S38B2 SB S2\" id=\"t6_164\">Name </span><span class=\"S38B3 SB S2\" id=\"t7_164\">Ownership (Direct and </span><span class=\"S38B4 SB S2\" id=\"t8_164\">Indirect) </span><span class=\"S38B5 SB S2\" id=\"t9_164\">Activity </span><span class=\"S38B6 SB S2\" id=\"ta_164\">2022 </span><span class=\"S38B7 SB S2\" id=\"tb_164\">2021 </span><span class=\"S38B8 SA7 S2\" id=\"tc_164\">DSK Bank AD (Bulgaria) </span><span class=\"S38B9 SA7 S2\" id=\"td_164\">99.92% </span><span class=\"S38BA SA7 S2\" id=\"te_164\">99.91% </span><span class=\"S38BB SA7 S2\" id=\"tf_164\">commercial banking services </span><span class=\"S38BC SA7 S2\" id=\"tg_164\">OTP Bank JSC (Ukraine) </span><span class=\"S38BD SA7 S2\" id=\"th_164\">100.00% </span><span class=\"S38BE SA7 S2\" id=\"ti_164\">100.00% </span><span class=\"S38BF SA7 S2\" id=\"tj_164\">commercial banking services </span><span class=\"S38C0 S5B9 S2\" id=\"tk_164\">JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S38C1 SA7 S2\" id=\"tl_164\">97.92% </span><span class=\"S38C2 SA7 S2\" id=\"tm_164\">97.92% </span><span class=\"S38C3 SA7 S2\" id=\"tn_164\">commercial banking services </span><span class=\"S38C4 SA7 S2\" id=\"to_164\">OTP banka d.d. (Croatia) </span><span class=\"S38C5 SA7 S2\" id=\"tp_164\">100.00% </span><span class=\"S38C6 SA7 S2\" id=\"tq_164\">100.00% </span><span class=\"S38C7 SA7 S2\" id=\"tr_164\">commercial banking services </span><span class=\"S38C8 SA7 S2\" id=\"ts_164\">OTP Bank Romania S.A. (Romania) </span><span class=\"S38C9 SA7 S2\" id=\"tt_164\">100.00% </span><span class=\"S38CA SA7 S2\" id=\"tu_164\">100.00% </span><span class=\"S38CB SA7 S2\" id=\"tv_164\">commercial banking services </span><span class=\"S20BE SA7 S2\" id=\"tw_164\">OTP banka Srbija a.d. Novi Sad (Serbia) </span><span class=\"S38CC SA7 S2\" id=\"tx_164\">100.00% </span><span class=\"S38CD SA7 S2\" id=\"ty_164\">100.00% </span><span class=\"S38CE SA7 S2\" id=\"tz_164\">commercial banking services </span><span class=\"S38CF SA7 S2\" id=\"t10_164\">Crnogorska komercijalna banka a.d. (Montenegro) </span><span class=\"S38D0 SA7 S2\" id=\"t11_164\">100.00% </span><span class=\"S38D1 SA7 S2\" id=\"t12_164\">100.00% </span><span class=\"S38D2 SA7 S2\" id=\"t13_164\">commercial banking services </span><span class=\"S38D3 SA7 S2\" id=\"t14_164\">Banka OTP Albania SH.A. (Albania) </span><span class=\"S38D4 SA7 S2\" id=\"t15_164\">100.00% </span><span class=\"S38D5 SA7 S2\" id=\"t16_164\">100.00% </span><span class=\"S38D6 SA7 S2\" id=\"t17_164\">commercial banking services </span><span class=\"S38D7 SA7 S2\" id=\"t18_164\">OTP Bank S.A. (Moldova) </span><span class=\"S38D8 SA7 S2\" id=\"t19_164\">98.26% </span><span class=\"S38D9 SA7 S2\" id=\"t1a_164\">98.26% </span><span class=\"S38DA SA7 S2\" id=\"t1b_164\">commercial banking services </span><span class=\"S38DB SA7 S2\" id=\"t1c_164\">SKB Banka d.d. Ljubljana (Slovenia) </span><span class=\"S38DC SA7 S2\" id=\"t1d_164\">100.00% </span><span class=\"S38DD SA7 S2\" id=\"t1e_164\">100.00% </span><span class=\"S38DE SA7 S2\" id=\"t1f_164\">commercial banking services </span><span class=\"S38DF SA7 S2\" id=\"t1g_164\">OTP Financing Malta Company Ltd. (Malta) </span><span class=\"S38E0 SA7 S2\" id=\"t1h_164\">100.00% </span><span class=\"S38E1 SA7 S2\" id=\"t1i_164\">100.00% </span><span class=\"S38E2 SA7 S2\" id=\"t1j_164\">refinancing activities </span><span class=\"S38E3 SA7 S2\" id=\"t1k_164\">OTP Financing Netherlands B.V. (the Netherlands) </span><span class=\"S38E4 SA7 S2\" id=\"t1l_164\">100.00% </span><span class=\"S38E5 SA7 S2\" id=\"t1m_164\">100.00% </span><span class=\"S38E6 SA7 S2\" id=\"t1n_164\">refinancing activities </span><span class=\"S38E7 SA7 S2\" id=\"t1o_164\">OTP Holding Ltd. (Cyprus) </span><span class=\"S38E8 SA7 S2\" id=\"t1p_164\">100.00% </span><span class=\"S38E9 SA7 S2\" id=\"t1q_164\">100.00% </span><span class=\"S38EA SA7 S2\" id=\"t1r_164\">refinancing activities </span><span class=\"S38EB SA7 S2\" id=\"t1s_164\">OTP Factoring Ltd. </span><span class=\"S38EC SA7 S2\" id=\"t1t_164\">100.00% </span><span class=\"S38ED SA7 S2\" id=\"t1u_164\">100.00% </span><span class=\"S38EE SA7 S2\" id=\"t1v_164\">work-out </span><span class=\"S38EF SA7 S2\" id=\"t1w_164\">OTP Mortgage Bank Ltd. </span><span class=\"S38F0 SA7 S2\" id=\"t1x_164\">100.00% </span><span class=\"S38F1 SA7 S2\" id=\"t1y_164\">100.00% </span><span class=\"S38F2 SA7 S2\" id=\"t1z_164\">mortgage lending </span><span class=\"S38F3 SA7 S2\" id=\"t20_164\">OTP Real Estate Ltd. </span><span class=\"S38F4 SA7 S2\" id=\"t21_164\">100.00% </span><span class=\"S38F5 SA7 S2\" id=\"t22_164\">100.00% </span><span class=\"S38F6 SA7 S2\" id=\"t23_164\">real estate management and development </span><span class=\"S38F7 SA7 S2\" id=\"t24_164\">Merkantil Bank Ltd. </span><span class=\"S38F8 SA7 S2\" id=\"t25_164\">100.00% </span><span class=\"S38F9 SA7 S2\" id=\"t26_164\">100.00% </span><span class=\"S38FA SA7 S2\" id=\"t27_164\">finance lease </span><span class=\"S38FB SA7 S2\" id=\"t28_164\">OTP Building Society Ltd. </span><span class=\"S38FC SA7 S2\" id=\"t29_164\">100.00% </span><span class=\"S38FD SA7 S2\" id=\"t2a_164\">100.00% </span><span class=\"S38FE SA7 S2\" id=\"t2b_164\">housing savings and loan </span><span class=\"S38FF SA7 S2\" id=\"t2c_164\">OTP Fund Management Ltd. </span><span class=\"S3900 SA7 S2\" id=\"t2d_164\">100.00% </span><span class=\"S3901 SA7 S2\" id=\"t2e_164\">100.00% </span><span class=\"S3902 SA7 S2\" id=\"t2f_164\">fund management </span><span class=\"S3903 SA7 S2\" id=\"t2g_164\">Bank Center No. 1. Ltd. </span><span class=\"S3904 SA7 S2\" id=\"t2h_164\">100.00% </span><span class=\"S3905 SA7 S2\" id=\"t2i_164\">100.00% </span><span class=\"S3906 SA7 S2\" id=\"t2j_164\">real estate lease </span><span class=\"S3907 S5B9 S2\" id=\"t2k_164\">Inga Kett\u0151 </span><span class=\"S3908 SA7 S2\" id=\"t2l_164\">Ltd. </span><span class=\"S3909 SA7 S2\" id=\"t2m_164\">100.00% </span><span class=\"S390A SA7 S2\" id=\"t2n_164\">100.00% </span><span class=\"S390B SA7 S2\" id=\"t2o_164\">property management </span><span class=\"S390C SA7 S2\" id=\"t2p_164\">OTP Funds Servicing and Consulting Ltd. </span><span class=\"S390D SA7 S2\" id=\"t2q_164\">100.00% </span><span class=\"S390E SA7 S2\" id=\"t2r_164\">100.00% </span><span class=\"S390F SA7 S2\" id=\"t2s_164\">fund services </span><span class=\"S3910 SA7 S2\" id=\"t2t_164\">OTP Real Estate Leasing Ltd. </span><span class=\"S3911 SA7 S2\" id=\"t2u_164\">100.00% </span><span class=\"S3912 SA7 S2\" id=\"t2v_164\">100.00% </span><span class=\"S3913 SA7 S2\" id=\"t2w_164\">real estate leasing </span><span class=\"S3914 SB S2\" id=\"t3_165\">NOTE 43: </span><span class=\"S3915 SB S2\" id=\"t4_165\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S3916 SB S2\" id=\"t5_165\">Significant associates and joint ventures </span><span class=\"S3917 SA7 S2\" id=\"t6_165\">Summarized financial and non-financial information of associates which are accounted according to IAS 28 and in line with IFRS 9 as at 31 December 2022 is as follows: </span><span class=\"S3918 S27D S2\" id=\"t7_165\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t8_165\">Carrying </span><span class=\"S391A S27D S2\" id=\"t9_165\">amount </span><span class=\"S391B S27D S2\" id=\"ta_165\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tb_165\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"tc_165\">Profit after </span><span class=\"S391E S27D S2\" id=\"td_165\">tax </span><span class=\"S391F S27D S2\" id=\"te_165\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tf_165\">Activity </span><span class=\"S3921 S27E S2\" id=\"tg_165\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"th_165\">520 </span><span class=\"S3923 S27E S2\" id=\"ti_165\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tj_165\">(52) </span><span class=\"S3925 S27E S2\" id=\"tk_165\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tl_165\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tm_165\">OTP-</span><span class=\"S3928 S27F S2\" id=\"tn_165\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"to_165\">683 </span><span class=\"S392A S27E S2\" id=\"tp_165\">22.00% </span><span class=\"S392B S27E S2\" id=\"tq_165\">13 </span><span class=\"S392C S27E S2\" id=\"tr_165\">Hungary /Budapest </span><span class=\"S392D S27E S2\" id=\"ts_165\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tt_165\">D-</span><span class=\"S392F S27F S2\" id=\"tu_165\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tv_165\">- </span><span class=\"S3931 S27E S2\" id=\"tw_165\">46.99% </span><span class=\"S3932 S27E S2\" id=\"tx_165\">- </span><span class=\"S3933 S27F S2\" id=\"ty_165\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"tz_165\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t10_165\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t11_165\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t12_165\">392 </span><span class=\"S3938 S27E S2\" id=\"t13_165\">25.00% </span><span class=\"S3939 S27E S2\" id=\"t14_165\">183 </span><span class=\"S393A S27E S2\" id=\"t15_165\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t16_165\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t17_165\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t18_165\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t19_165\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1a_165\">822 </span><span class=\"S3940 S27E S2\" id=\"t1b_165\">23.54% </span><span class=\"S3941 S27E S2\" id=\"t1c_165\">(516) </span><span class=\"S3942 S27E S2\" id=\"t1d_165\">Poland / Krakow </span><span class=\"S3943 S27E S2\" id=\"t1e_165\">Computer programming activities </span><span class=\"S3944 S27E S2\" id=\"t1f_165\">NovaKid Inc. </span><span class=\"S3945 S27E S2\" id=\"t1g_165\">1,723 </span><span class=\"S3946 S27E S2\" id=\"t1h_165\">4.07% </span><span class=\"S3947 S27E S2\" id=\"t1i_165\">(5,409) </span><span class=\"S3948 S27E S2\" id=\"t1j_165\">USA / San Francisco </span><span class=\"S3949 S27E S2\" id=\"t1k_165\">Online kids English learning platform operator </span><span class=\"S394A S27E S2\" id=\"t1l_165\">Banzai Cloud Closed Co. Plc </span><span class=\"S394B S27E S2\" id=\"t1m_165\">216 </span><span class=\"S394C S27E S2\" id=\"t1n_165\">17.42% </span><span class=\"S394D S27E S2\" id=\"t1o_165\">267 </span><span class=\"S394E S27E S2\" id=\"t1p_165\">Hungary /Budapest </span><span class=\"S394F S27E S2\" id=\"t1q_165\">Computer programming activities </span><span class=\"S3950 S27E S2\" id=\"t1r_165\">ClodeCool Ltd </span><span class=\"S3951 S27E S2\" id=\"t1s_165\">1,323 </span><span class=\"S3952 S27E S2\" id=\"t1t_165\">20.15% </span><span class=\"S3953 S27E S2\" id=\"t1u_165\">1 </span><span class=\"S3954 S27E S2\" id=\"t1v_165\">Hungary /Budapest </span><span class=\"S3955 S27E S2\" id=\"t1w_165\">Other education </span><span class=\"S3956 S27E S2\" id=\"t1x_165\">Pepita.hu Closed Co. Plc </span><span class=\"S3957 S27E S2\" id=\"t1y_165\">1,323 </span><span class=\"S3958 S27E S2\" id=\"t1z_165\">40.00% </span><span class=\"S3959 S27E S2\" id=\"t20_165\">(157) </span><span class=\"S395A S27E S2\" id=\"t21_165\">Hungary / Szeghalom </span><span class=\"S395B S27E S2\" id=\"t22_165\">Retail sale via mail order houses or via Internet </span><span class=\"S395C S27E S2\" id=\"t23_165\">Seon Holdings Ltd </span><span class=\"S395D S27E S2\" id=\"t24_165\">8,689 </span><span class=\"S395E S27E S2\" id=\"t25_165\">19.26% </span><span class=\"S395F S27E S2\" id=\"t26_165\">(3) </span><span class=\"S3960 S27E S2\" id=\"t27_165\">UK / London </span><span class=\"S3961 S27E S2\" id=\"t28_165\">Computer programming activities </span><span class=\"S3962 S27E S2\" id=\"t29_165\">VCC Live Group Closed Co. Plc </span><span class=\"S3963 S27E S2\" id=\"t2a_165\">1,308 </span><span class=\"S3964 S27E S2\" id=\"t2b_165\">24.75% </span><span class=\"S3965 S27E S2\" id=\"t2c_165\">(226) </span><span class=\"S3966 S27E S2\" id=\"t2d_165\">Hungary /Budapest </span><span class=\"S3967 S27E S2\" id=\"t2e_165\">Computer programming activities </span><span class=\"S3968 S27E S2\" id=\"t2f_165\">Cursor Insight Ltd </span><span class=\"S3969 S27E S2\" id=\"t2g_165\">75 </span><span class=\"S396A S27E S2\" id=\"t2h_165\">6.75% </span><span class=\"S396B S27E S2\" id=\"t2i_165\">n.a. </span><span class=\"S396C S27E S2\" id=\"t2j_165\">UK / London </span><span class=\"S396D S27E S2\" id=\"t2k_165\">Computer programming activities </span><span class=\"S396E S27E S2\" id=\"t2l_165\">Fabetker Ltd </span><span class=\"S396F S27E S2\" id=\"t2m_165\">1 </span><span class=\"S3970 S27E S2\" id=\"t2n_165\">20.48% </span><span class=\"S3971 S27E S2\" id=\"t2o_165\">135 </span><span class=\"S3972 S27F S2\" id=\"t2p_165\">Hungary / N\u00e1dudvar </span><span class=\"S3973 S27E S2\" id=\"t2q_165\">Manufacture of concrete products for construction purposes </span><span class=\"S3974 S27E S2\" id=\"t2r_165\">OneSoil Ag. </span><span class=\"S3975 S27E S2\" id=\"t2s_165\">362 </span><span class=\"S3976 S27E S2\" id=\"t2t_165\">3.72% </span><span class=\"S3977 S27E S2\" id=\"t2u_165\">(514) </span><span class=\"S3978 S27E S2\" id=\"t2v_165\">Switzerland / Zurich </span><span class=\"S3979 S27E S2\" id=\"t2w_165\">Computer programming activities </span><span class=\"S397A S27F S2\" id=\"t2x_165\">Packhelp Sp\u00f3\u0142ka Akcyjna </span><span class=\"S397B S27E S2\" id=\"t2y_165\">1,168 </span><span class=\"S397C S27E S2\" id=\"t2z_165\">3.15% </span><span class=\"S397D S27E S2\" id=\"t30_165\">(3,385) </span><span class=\"S397E S27E S2\" id=\"t31_165\">Poland / Warsaw </span><span class=\"S397F S27E S2\" id=\"t32_165\">Manufacture of corrugated paper and paperboard </span><span class=\"S3980 S27E S2\" id=\"t33_165\">and of containers of paper and paperboard </span><span class=\"S3981 S27E S2\" id=\"t34_165\">Phoenix Play Invest closed Co. Plc </span><span class=\"S3982 S27E S2\" id=\"t35_165\">2,350 </span><span class=\"S3983 S27E S2\" id=\"t36_165\">21.69% </span><span class=\"S3984 S27E S2\" id=\"t37_165\">(1) </span><span class=\"S3985 S27E S2\" id=\"t38_165\">Hungary /Budapest </span><span class=\"S3986 S27E S2\" id=\"t39_165\">Activities of holding companies </span><span class=\"S3987 S27E S2\" id=\"t3a_165\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3988 S27E S2\" id=\"t3b_165\">8,195 </span><span class=\"S3989 S27E S2\" id=\"t3c_165\">21.69% </span><span class=\"S398A S27E S2\" id=\"t3d_165\">792 </span><span class=\"S398B S27E S2\" id=\"t3e_165\">Hungary /Budapest </span><span class=\"S398C S27E S2\" id=\"t3f_165\">Activities of holding companies </span><span class=\"S398D S27E S2\" id=\"t3g_165\">NGY Propertiers Investment SRL </span><span class=\"S398E S27E S2\" id=\"t3h_165\">11,735 </span><span class=\"S398F S27E S2\" id=\"t3i_165\">14.54% </span><span class=\"S3990 S27E S2\" id=\"t3j_165\">(22,567) </span><span class=\"S3991 S27E S2\" id=\"t3k_165\">Romania / Bucharest </span><span class=\"S3992 S27E S2\" id=\"t3l_165\">Renting and operating of own or leased real estate </span><span class=\"S3993 S27E S2\" id=\"t3m_165\">Deligo Vision Technologies Ltd </span><span class=\"S3994 S27E S2\" id=\"t3n_165\">205 </span><span class=\"S3995 S27E S2\" id=\"t3o_165\">2.50% </span><span class=\"S3996 S27E S2\" id=\"t3p_165\">(15) </span><span class=\"S3997 S27E S2\" id=\"t3q_165\">Hungary /Budapest </span><span class=\"S3998 S27E S2\" id=\"t3r_165\">Other information service activities </span><span class=\"S3999 S27E S2\" id=\"t3s_165\">GRADUW Invest Closed Co. Plc </span><span class=\"S399A S27E S2\" id=\"t3t_165\">4,803 </span><span class=\"S399B S27E S2\" id=\"t3u_165\">3.81% </span><span class=\"S399C S27E S2\" id=\"t3v_165\">131 </span><span class=\"S399D S27E S2\" id=\"t3w_165\">Hungary /Budapest </span><span class=\"S399E S27E S2\" id=\"t3x_165\">Sale and purchase of own real estate </span><span class=\"S399F S27E S2\" id=\"t3y_165\">SEH-Partner Ltd </span><span class=\"S39A0 S27E S2\" id=\"t3z_165\">6,403 </span><span class=\"S39A1 S27E S2\" id=\"t40_165\">30.56% </span><span class=\"S39A2 S27E S2\" id=\"t41_165\">n.a. </span><span class=\"S39A3 S27E S2\" id=\"t42_165\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t43_165\">Activities of holding companies </span><span class=\"S39A5 S27F S2\" id=\"t44_165\">Simonyi \u00fat 20. Ingatlanhasznos\u00edt\u00f3 Ltd </span><span class=\"S39A6 S27E S2\" id=\"t45_165\">90 </span><span class=\"S39A7 S27E S2\" id=\"t46_165\">47.62% </span><span class=\"S39A8 S27E S2\" id=\"t47_165\">- </span><span class=\"S39A9 S27E S2\" id=\"t48_165\">Hungary /Debrecen </span><span class=\"S39AA S27E S2\" id=\"t49_165\">Renting and operating of own or leased real estate </span><span class=\"S39AB S27E S2\" id=\"t4a_165\">Fintech CEE Software Invest Ltd </span><span class=\"S39AC S27E S2\" id=\"t4b_165\">127 </span><span class=\"S39AD S27E S2\" id=\"t4c_165\">20.04% </span><span class=\"S39AE S27E S2\" id=\"t4d_165\">n.a. </span><span class=\"S39AF S27E S2\" id=\"t4e_165\">Hungary /Budapest </span><span class=\"S39B0 S27E S2\" id=\"t4f_165\">Activities of holding companies </span><span class=\"S39B1 S27E S2\" id=\"t4g_165\">New Frontier Technology Invest SARL </span><span class=\"S39B2 S27E S2\" id=\"t4h_165\">3,393 </span><span class=\"S39B3 S27E S2\" id=\"t4i_165\">14.01% </span><span class=\"S39B4 S27E S2\" id=\"t4j_165\">n.a. </span><span class=\"S39B5 S27E S2\" id=\"t4k_165\">Luxemburg / Luxembourg </span><span class=\"S39B6 S27E S2\" id=\"t4l_165\">Activities of holding companies </span><span class=\"S39B7 S27E S2\" id=\"t4m_165\">Mindgram sp. z.o.o </span><span class=\"S39B8 S27E S2\" id=\"t4n_165\">200 </span><span class=\"S39B9 S27E S2\" id=\"t4o_165\">2.38% </span><span class=\"S39BA S27E S2\" id=\"t4p_165\">(328) </span><span class=\"S39BB S27E S2\" id=\"t4q_165\">Poland / Warsaw </span><span class=\"S39BC S27E S2\" id=\"t4r_165\">Other human health activities </span><span class=\"S1123 SB S2\" id=\"t3_166\">NOTE 43: </span><span class=\"S38B0 SB S2\" id=\"t4_166\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S39BD SB S2\" id=\"t5_166\">Significant associates and joint ventures [continued] </span><span class=\"S39BE SA7 S2\" id=\"t6_166\">The Group made significant investments into associates during 2021. Venture capital funds under the control of the Group obtained ownership interest in Phoenix Play Invest </span><span class=\"S1FD1 SA7 S2\" id=\"t7_166\">Co.Plc, in Algorithmiq Invest Closed Co. Plc and in NGY Propertiers Investment SRL. </span><span class=\"S3918 S27D S2\" id=\"t8_166\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t9_166\">Carrying </span><span class=\"S39BF S27D S2\" id=\"ta_166\">amount </span><span class=\"S391B S27D S2\" id=\"tb_166\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tc_166\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"td_166\">Profit after </span><span class=\"S391E S27D S2\" id=\"te_166\">tax </span><span class=\"S391F S27D S2\" id=\"tf_166\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tg_166\">Activity </span><span class=\"S3921 S27E S2\" id=\"th_166\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"ti_166\">526 </span><span class=\"S3923 S27E S2\" id=\"tj_166\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tk_166\">(52) </span><span class=\"S3925 S27E S2\" id=\"tl_166\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tm_166\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tn_166\">OTP-</span><span class=\"S3928 S27F S2\" id=\"to_166\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"tp_166\">288 </span><span class=\"S392A S27E S2\" id=\"tq_166\">22.00% </span><span class=\"S392B S27E S2\" id=\"tr_166\">13 </span><span class=\"S392C S27E S2\" id=\"ts_166\">Hungary /Budapest </span><span class=\"S39C0 S27E S2\" id=\"tt_166\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tu_166\">D-</span><span class=\"S392F S27F S2\" id=\"tv_166\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tw_166\">- </span><span class=\"S3931 S27E S2\" id=\"tx_166\">46.99% </span><span class=\"S3932 S27E S2\" id=\"ty_166\">- </span><span class=\"S3933 S27F S2\" id=\"tz_166\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"t10_166\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t11_166\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t12_166\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t13_166\">392 </span><span class=\"S3938 S27E S2\" id=\"t14_166\">25.00% </span><span class=\"S39C1 S27E S2\" id=\"t15_166\">(183) </span><span class=\"S393A S27E S2\" id=\"t16_166\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t17_166\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t18_166\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t19_166\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t1a_166\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1b_166\">779 </span><span class=\"S3940 S27E S2\" id=\"t1c_166\">17.34% </span><span class=\"S3941 S27E S2\" id=\"t1d_166\">(293) </span><span class=\"S3942 S27E S2\" id=\"t1e_166\">Poland / Krakow </span><span class=\"S39C2 S27E S2\" id=\"t1f_166\">Computer programming activities </span><span class=\"S39C3 S27E S2\" id=\"t1g_166\">Graboplast Closed Co. Plc </span><span class=\"S39C4 S27E S2\" id=\"t1h_166\">700 </span><span class=\"S3946 S27E S2\" id=\"t1i_166\">7.00% </span><span class=\"S39C5 S27E S2\" id=\"t1j_166\">n.a. </span><span class=\"S39C6 S27E S2\" id=\"t1k_166\">Hungary / </span><span class=\"S39C7 S27F S2\" id=\"t1l_166\">Gy\u0151r </span><span class=\"S39C8 S27F S2\" id=\"t1m_166\">Manufacture of builders\u2019 ware of plastic </span><span class=\"S39C9 S27E S2\" id=\"t1n_166\">NovaKid Inc. </span><span class=\"S39CA S27E S2\" id=\"t1o_166\">2,006 </span><span class=\"S39CB S27E S2\" id=\"t1p_166\">4.17% </span><span class=\"S39CC S27E S2\" id=\"t1q_166\">(4,621) </span><span class=\"S39CD S27E S2\" id=\"t1r_166\">USA / San Francisco </span><span class=\"S39CE S27E S2\" id=\"t1s_166\">Online kids English learning platform operator </span><span class=\"S39CF S27E S2\" id=\"t1t_166\">Banzai Cloud Closed Co. Plc </span><span class=\"S39D0 S27E S2\" id=\"t1u_166\">374 </span><span class=\"S3952 S27E S2\" id=\"t1v_166\">17.42% </span><span class=\"S39D1 S27E S2\" id=\"t1w_166\">n.a. </span><span class=\"S3954 S27E S2\" id=\"t1x_166\">Hungary /Budapest </span><span class=\"S39D2 S27E S2\" id=\"t1y_166\">Computer programming activities </span><span class=\"S39D3 S27E S2\" id=\"t1z_166\">ClodeCool Ltd </span><span class=\"S3957 S27E S2\" id=\"t20_166\">1,770 </span><span class=\"S3958 S27E S2\" id=\"t21_166\">20.15% </span><span class=\"S39D4 S27E S2\" id=\"t22_166\">1 </span><span class=\"S39D5 S27E S2\" id=\"t23_166\">Hungary /Budapest </span><span class=\"S39D6 S27E S2\" id=\"t24_166\">Other education </span><span class=\"S39D7 S27E S2\" id=\"t25_166\">Pepita.hu Closed Co. Plc </span><span class=\"S39D8 S27E S2\" id=\"t26_166\">516 </span><span class=\"S395E S27E S2\" id=\"t27_166\">34.00% </span><span class=\"S39D9 S27E S2\" id=\"t28_166\">(132) </span><span class=\"S39DA S27E S2\" id=\"t29_166\">Hungary / Szeghalom </span><span class=\"S39DB S27E S2\" id=\"t2a_166\">Retail sale via mail order houses or via Internet </span><span class=\"S39DC S27E S2\" id=\"t2b_166\">Seon Holdings Ltd </span><span class=\"S3963 S27E S2\" id=\"t2c_166\">4,756 </span><span class=\"S3964 S27E S2\" id=\"t2d_166\">23.86% </span><span class=\"S39DD S27E S2\" id=\"t2e_166\">(4) </span><span class=\"S39DE S27E S2\" id=\"t2f_166\">UK / London </span><span class=\"S39DF S27E S2\" id=\"t2g_166\">Computer programming activities </span><span class=\"S39E0 S27E S2\" id=\"t2h_166\">Starschema Ltd </span><span class=\"S39E1 S27E S2\" id=\"t2i_166\">3,944 </span><span class=\"S39E2 S27E S2\" id=\"t2j_166\">36.19% </span><span class=\"S396B S27E S2\" id=\"t2k_166\">n.a. </span><span class=\"S39E3 S27E S2\" id=\"t2l_166\">Hungary /Budapest </span><span class=\"S39E4 S27E S2\" id=\"t2m_166\">Computer consultancy activities </span><span class=\"S39E5 S27E S2\" id=\"t2n_166\">VCC Live Group Closed Co. Plc </span><span class=\"S39E6 S27E S2\" id=\"t2o_166\">1,672 </span><span class=\"S3970 S27E S2\" id=\"t2p_166\">49.56% </span><span class=\"S39E7 S27E S2\" id=\"t2q_166\">(203) </span><span class=\"S39E8 S27E S2\" id=\"t2r_166\">Hungary /Budapest </span><span class=\"S39E9 S27E S2\" id=\"t2s_166\">Computer programming activities </span><span class=\"S39EA S27E S2\" id=\"t2t_166\">Virtual Solutaion Ltd </span><span class=\"S39EB S27E S2\" id=\"t2u_166\">n.a. </span><span class=\"S3976 S27E S2\" id=\"t2v_166\">8.33% </span><span class=\"S39EC S27E S2\" id=\"t2w_166\">n.a. </span><span class=\"S39ED S27E S2\" id=\"t2x_166\">Hungary /Budapest </span><span class=\"S3979 S27E S2\" id=\"t2y_166\">Computer programming activities </span><span class=\"S39EE S27E S2\" id=\"t2z_166\">Yieldigo s.r.o. </span><span class=\"S39EF S27E S2\" id=\"t30_166\">76 </span><span class=\"S397C S27E S2\" id=\"t31_166\">1.97% </span><span class=\"S39F0 S27E S2\" id=\"t32_166\">(168) </span><span class=\"S39F1 S27E S2\" id=\"t33_166\">Czech Republic / Prague </span><span class=\"S397F S27E S2\" id=\"t34_166\">Computer programming activities </span><span class=\"S39F2 S27E S2\" id=\"t35_166\">Szallas.hu Closed Co. Plc </span><span class=\"S39F3 S1F81 S2\" id=\"t36_166\">1 </span><span class=\"S39F4 S27E S2\" id=\"t37_166\">8,809 </span><span class=\"S39F5 S27E S2\" id=\"t38_166\">51.19% </span><span class=\"S39F6 S27E S2\" id=\"t39_166\">1,278 </span><span class=\"S39F7 S27E S2\" id=\"t3a_166\">Hungary / Miskolc </span><span class=\"S39F8 S27E S2\" id=\"t3b_166\">Web portals </span><span class=\"S39F9 S27E S2\" id=\"t3c_166\">Cursor Insight Ltd </span><span class=\"S39FA S27E S2\" id=\"t3d_166\">146 </span><span class=\"S39FB S27E S2\" id=\"t3e_166\">6.75% </span><span class=\"S39FC S27E S2\" id=\"t3f_166\">(247) </span><span class=\"S39FD S27E S2\" id=\"t3g_166\">UK / London </span><span class=\"S39FE S27E S2\" id=\"t3h_166\">Computer programming activities </span><span class=\"S39FF S27E S2\" id=\"t3i_166\">Fabetker Ltd </span><span class=\"S3A00 S27E S2\" id=\"t3j_166\">1 </span><span class=\"S3989 S27E S2\" id=\"t3k_166\">20.48% </span><span class=\"S398A S27E S2\" id=\"t3l_166\">132 </span><span class=\"S3A01 S27F S2\" id=\"t3m_166\">Hungary / N\u00e1dudvar </span><span class=\"S3A02 S27E S2\" id=\"t3n_166\">Manufacture of concrete products for construction purposes </span><span class=\"S3A03 S27E S2\" id=\"t3o_166\">OneSoil Ag. </span><span class=\"S3A04 S27E S2\" id=\"t3p_166\">318 </span><span class=\"S3A05 S27E S2\" id=\"t3q_166\">3.72% </span><span class=\"S3A06 S27E S2\" id=\"t3r_166\">(1,058) </span><span class=\"S3A07 S27E S2\" id=\"t3s_166\">Switzerland / Zurich </span><span class=\"S3A08 S27E S2\" id=\"t3t_166\">Computer programming activities </span><span class=\"S3A09 S27F S2\" id=\"t3u_166\">Packhelp Sp\u00f3\u0142ka </span><span class=\"S3A0A S27E S2\" id=\"t3v_166\">Akcyjna </span><span class=\"S3A0B S27E S2\" id=\"t3w_166\">2,160 </span><span class=\"S3995 S27E S2\" id=\"t3x_166\">1.00% </span><span class=\"S3A0C S27E S2\" id=\"t3y_166\">(3,038) </span><span class=\"S3A0D S27E S2\" id=\"t3z_166\">Poland / Warsaw </span><span class=\"S3A0E S27E S2\" id=\"t40_166\">Manufacture of corrugated paper and paperboard </span><span class=\"S3A0F S27E S2\" id=\"t41_166\">and of containers of paper and paperboard </span><span class=\"S3A10 S27E S2\" id=\"t42_166\">Phoenix Play Invest closed Co. Plc </span><span class=\"S39A0 S27E S2\" id=\"t43_166\">3,081 </span><span class=\"S39A1 S27E S2\" id=\"t44_166\">21.69% </span><span class=\"S3A11 S27E S2\" id=\"t45_166\">(1) </span><span class=\"S39A3 S27E S2\" id=\"t46_166\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t47_166\">Activities of holding companies </span><span class=\"S3A12 S27E S2\" id=\"t48_166\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3A13 S27E S2\" id=\"t49_166\">8,996 </span><span class=\"S39A7 S27E S2\" id=\"t4a_166\">21.69% </span><span class=\"S3A14 S27E S2\" id=\"t4b_166\">792 </span><span class=\"S3A15 S27E S2\" id=\"t4c_166\">Hungary /Budapest </span><span class=\"S3A16 S27E S2\" id=\"t4d_166\">Activities of holding companies </span><span class=\"S3A17 S27E S2\" id=\"t4e_166\">NGY Propertiers Investment SRL </span><span class=\"S3A18 S27E S2\" id=\"t4f_166\">12,331 </span><span class=\"S39AD S27E S2\" id=\"t4g_166\">14.54% </span><span class=\"S3A19 S27E S2\" id=\"t4h_166\">(22,567) </span><span class=\"S3A1A S27E S2\" id=\"t4i_166\">Romania / Bucharest </span><span class=\"S3A1B S27E S2\" id=\"t4j_166\">Renting and operating of own or leased real estate </span><span class=\"S3A1C S482 S2\" id=\"t4k_166\">1 </span><span class=\"S3A1D S483 S2\" id=\"t4l_166\">It does not control another entity even though it holds more than half of the voting rights. </span><span class=\"SFA4 SB S2\" id=\"t3_167\">NOTE 44: </span><span class=\"S153B SB S2\" id=\"t4_167\">TRUST ACTIVITIES (in HUF mn) </span><span class=\"S3A1E SA7 S2\" id=\"t5_167\">The Bank acts as a trustee for certain loans granted by companies or employers to their employees, mainly for </span><span class=\"S3A1F SA7 S2\" id=\"t6_167\">housing purposes. The ultimate risk for these loans rests with the party advancing the funds. As these loans and </span><span class=\"S3A20 SA7 S2\" id=\"t7_167\">related funds are not considered to be assets or liabilities of the Group, they have been excluded from the </span><span class=\"SF8B SA7 S2\" id=\"t8_167\">accompanying Consolidated Statement of Financial Position. </span><span class=\"S1794 SB S2\" id=\"t9_167\">2022 </span><span class=\"S1795 SB S2\" id=\"ta_167\">2021 </span><span class=\"S3A21 SA7 S2\" id=\"tb_167\">The amount of loans managed by the Group as a trustee </span><span class=\"S3A22 SA7 S2\" id=\"tc_167\">37,714 </span><span class=\"S3A23 SA7 S2\" id=\"td_167\">36,517 </span><span class=\"SFA4 SB S2\" id=\"t3_168\">NOTE 45: </span><span class=\"S100D SB S2\" id=\"t4_168\">CONCENTRATION OF ASSETS AND LIABILITIES </span><span class=\"S19E2 SB S2\" id=\"t5_168\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_168\">2021 </span><span class=\"S187D SB S2\" id=\"t7_168\">In the percentage of the total assets </span><span class=\"S3A24 SA7 S2\" id=\"t8_168\">Receivables from, or securities issued by </span><span class=\"S3A25 SA7 S2\" id=\"t9_168\">the Hungarian Government or the NBH </span><span class=\"S3A26 SA7 S2\" id=\"ta_168\">14.75% </span><span class=\"S3A27 SA7 S2\" id=\"tb_168\">15.87% </span><span class=\"S3A28 SA7 S2\" id=\"tc_168\">There were no other significant concentrations of the assets or liabilities of the Group either as at 31 December </span><span class=\"S3A29 SA7 S2\" id=\"td_168\">2022 or as at 31 December 2021. </span><span class=\"S3A2A SA7 S2\" id=\"te_168\">The Group continuously provides the NBH with reports on the extent of dependency on large depositors as well </span><span class=\"S3A2B SA7 S2\" id=\"tf_168\">as the exposure of the biggest 50 depositors towards the Group. </span><span class=\"S3A2C SA7 S2\" id=\"tg_168\">Further to this obligatory reporting to the NBH, the Group pays particular attention on the exposure of its largest </span><span class=\"S3A2D SA7 S2\" id=\"th_168\">partners and cares for maintaining a closer relationship with these partners in order to secure the stability of the </span><span class=\"S3A2E SA7 S2\" id=\"ti_168\">level of deposits. </span><span class=\"S3A2F SA7 S2\" id=\"tj_168\">The organisational unit of the Bank in charge of partner-risk management analyses the biggest partners on a </span><span class=\"S3A30 S5B9 S2\" id=\"tk_168\">constant basis and sets limits on the Bank\u2019s and the Group\u2019s exposure separately partner </span><span class=\"S3A31 SA7 S2\" id=\"tl_168\">-by-partner. If necessary, </span><span class=\"S3A32 SA7 S2\" id=\"tm_168\">it modifies partner-limits in due course thereby reducing the room for manoeuvring of the Treasury and other </span><span class=\"S3A33 SA7 S2\" id=\"tn_168\">business areas. </span><span class=\"S3A34 S5B9 S2\" id=\"to_168\">The Bank\u2019s internal regulation (Limit</span><span class=\"S3A35 SA7 S2\" id=\"tp_168\">-management regulation) controls risk management related to exposures of </span><span class=\"S3A36 SA7 S2\" id=\"tq_168\">clients. The Bank makes a difference between clients or clients who are economically connected with each other, </span><span class=\"S3A37 SA7 S2\" id=\"tr_168\">partners, partners operating in the same geographical region or in the same economic sector, exposures from </span><span class=\"S3A38 SA7 S2\" id=\"ts_168\">customers. Limit-management regulation includes a specific range provision system used by the Bank to control </span><span class=\"S3A39 SA7 S2\" id=\"tt_168\">risk exposures. This regulation has to be used by the Bank for its business (lending) risk-taking activity both in </span><span class=\"S3A3A SA7 S2\" id=\"tu_168\">retail and corporate sector. </span><span class=\"S3A3B SA7 S2\" id=\"tv_168\">To specify credit risk limits Group strives their clients get an acceptable margin of risk based on their financial </span><span class=\"S3A3C SA7 S2\" id=\"tw_168\">situation. In the Group limit system has to be provided a lower-level decision-making delegation. </span><span class=\"S3A3D SA7 S2\" id=\"tx_168\">If a Group member takes risk against a client or group of clients (either inside the local economy or outside), the </span><span class=\"S3A3E SA7 S2\" id=\"ty_168\">client will be qualified as a group level risk and these limits will be specified at group level. </span><span class=\"S3A3F SA7 S2\" id=\"tz_168\">The validity period of this policy is 12 months. The limit shall be reviewed prior to the expiry date but at least </span><span class=\"S3A40 SA7 S2\" id=\"t10_168\">once a year - based on the relevant information required to limit calculations. </span><span class=\"SFA4 SB S2\" id=\"t3_169\">NOTE 46: </span><span class=\"S3A41 SB S2\" id=\"t4_169\">EARNINGS PER SHARE </span><span class=\"S3A42 SA7 S2\" id=\"t5_169\">Consolidated Earnings per share attributable to the ordinary shares of the Group are determined by dividing </span><span class=\"S3A43 SA7 S2\" id=\"t6_169\">consolidated Net profit for the year attributable to ordinary shareholders, after the deduction of declared preference </span><span class=\"S3A44 SA7 S2\" id=\"t7_169\">dividends, by the weighted average number of ordinary shares outstanding during the year. Dilutive potential </span><span class=\"S3A45 SA7 S2\" id=\"t8_169\">ordinary shares are deemed to have been converted into ordinary shares. </span><span class=\"S3A46 SB S2\" id=\"t9_169\">Earnings per share from continuing </span><span class=\"S3A47 SB S2\" id=\"ta_169\">and discontinued operations </span><span class=\"S3A48 SB S2\" id=\"tb_169\">2022 </span><span class=\"S3A49 SB S2\" id=\"tc_169\">2021 </span><span class=\"S3A4A SA7 S2\" id=\"td_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A4B SA7 S2\" id=\"te_169\">to ordinary shareholders (in HUF mn) </span><span class=\"SF92 SA7 S2\" id=\"tf_169\">346,354 </span><span class=\"SF93 SA7 S2\" id=\"tg_169\">455,592 </span><span class=\"S3A4C SA7 S2\" id=\"th_169\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A4D SA7 S2\" id=\"ti_169\">during the year for calculating basic EPS (number of share) </span><span class=\"S3A4E SA7 S2\" id=\"tj_169\">268,790,272 </span><span class=\"S3A4F SA7 S2\" id=\"tk_169\">262,017,836 </span><span class=\"S3A50 SB S2\" id=\"tl_169\">Basic Earnings per share (in HUF) </span><span class=\"S3A51 SB S2\" id=\"tm_169\">1,289 </span><span class=\"S3A52 SB S2\" id=\"tn_169\">1,738 </span><span class=\"S3A53 SA7 S2\" id=\"to_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A54 SA7 S2\" id=\"tp_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A55 SA7 S2\" id=\"tq_169\">346,354 </span><span class=\"S3A56 SA7 S2\" id=\"tr_169\">455,592 </span><span class=\"S3A57 SA7 S2\" id=\"ts_169\">Modified weighted average number of </span><span class=\"S3A58 SA7 S2\" id=\"tt_169\">ordinary shares outstanding during the year </span><span class=\"S3A59 SA7 S2\" id=\"tu_169\">for calculating diluted EPS (number of share) </span><span class=\"S3A5A SA7 S2\" id=\"tv_169\">268,873,185 </span><span class=\"S3A5B SA7 S2\" id=\"tw_169\">262,094,958 </span><span class=\"S3A5C SB S2\" id=\"tx_169\">Diluted Earnings per share (in HUF) </span><span class=\"S3A5D SB S2\" id=\"ty_169\">1,288 </span><span class=\"S3A5E SB S2\" id=\"tz_169\">1,738 </span><span class=\"S3A5F SB S2\" id=\"t10_169\">Earnings per share from continuing operations </span><span class=\"S14EF SB S2\" id=\"t11_169\">2022 </span><span class=\"S14F0 SB S2\" id=\"t12_169\">2021 </span><span class=\"S3A60 SA7 S2\" id=\"t13_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A61 SA7 S2\" id=\"t14_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A62 SA7 S2\" id=\"t15_169\">334,910 </span><span class=\"S3A63 SA7 S2\" id=\"t16_169\">455,476 </span><span class=\"S3A64 SA7 S2\" id=\"t17_169\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A65 SA7 S2\" id=\"t18_169\">during the year for calculating basic EPS (number of share) </span><span class=\"S3A66 SA7 S2\" id=\"t19_169\">268,790,272 </span><span class=\"S3A67 SA7 S2\" id=\"t1a_169\">262,017,836 </span><span class=\"S3A68 SB S2\" id=\"t1b_169\">Basic Earnings per share (in HUF) </span><span class=\"S3A69 SB S2\" id=\"t1c_169\">1,246 </span><span class=\"S3A6A SB S2\" id=\"t1d_169\">1,738 </span><span class=\"S3A6B SA7 S2\" id=\"t1e_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A6C SA7 S2\" id=\"t1f_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A6D SA7 S2\" id=\"t1g_169\">334,910 </span><span class=\"S3A6E SA7 S2\" id=\"t1h_169\">455,476 </span><span class=\"S3A6F SA7 S2\" id=\"t1i_169\">Modified weighted average number of </span><span class=\"S3A70 SA7 S2\" id=\"t1j_169\">ordinary shares outstanding during the year </span><span class=\"S3A71 SA7 S2\" id=\"t1k_169\">for calculating diluted EPS (number of share) </span><span class=\"S3A72 SA7 S2\" id=\"t1l_169\">268,873,185 </span><span class=\"S3A73 SA7 S2\" id=\"t1m_169\">262,094,958 </span><span class=\"S3A74 SB S2\" id=\"t1n_169\">Diluted Earnings per share (in HUF) </span><span class=\"S3A75 SB S2\" id=\"t1o_169\">1,246 </span><span class=\"S3A76 SB S2\" id=\"t1p_169\">1,738 </span><span class=\"S3A77 SB S2\" id=\"t1q_169\">Earnings per share from discontinued operations </span><span class=\"S3A78 SB S2\" id=\"t1r_169\">2022 </span><span class=\"S3A79 SB S2\" id=\"t1s_169\">2021 </span><span class=\"S3A7A SA7 S2\" id=\"t1t_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A7B SA7 S2\" id=\"t1u_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A7C SA7 S2\" id=\"t1v_169\">11,444 </span><span class=\"S3A7D SA7 S2\" id=\"t1w_169\">116 </span><span class=\"S3A7E SA7 S2\" id=\"t1x_169\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A7F SA7 S2\" id=\"t1y_169\">during the year for calculating basic EPS (number of share) </span><span class=\"S3A80 SA7 S2\" id=\"t1z_169\">268,790,272 </span><span class=\"S3A81 SA7 S2\" id=\"t20_169\">262,017,836 </span><span class=\"S3A82 SB S2\" id=\"t21_169\">Basic Earnings per share (in HUF) </span><span class=\"S3A83 SB S2\" id=\"t22_169\">43 </span><span class=\"S3A84 SB S2\" id=\"t23_169\">- </span><span class=\"S3A85 SA7 S2\" id=\"t24_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A86 SA7 S2\" id=\"t25_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A87 SA7 S2\" id=\"t26_169\">11,444 </span><span class=\"S3A88 SA7 S2\" id=\"t27_169\">116 </span><span class=\"S3A89 SA7 S2\" id=\"t28_169\">Modified weighted average number of </span><span class=\"S3A8A SA7 S2\" id=\"t29_169\">ordinary shares outstanding during the year </span><span class=\"S3A8B SA7 S2\" id=\"t2a_169\">for calculating diluted EPS (number of share) </span><span class=\"S3A8C SA7 S2\" id=\"t2b_169\">268,873,185 </span><span class=\"S3A8D SA7 S2\" id=\"t2c_169\">262,094,958 </span><span class=\"S3A8E SB S2\" id=\"t2d_169\">Diluted Earnings per share (in HUF) </span><span class=\"S3A8F SB S2\" id=\"t2e_169\">43 </span><span class=\"S3A90 SB S2\" id=\"t2f_169\">- </span><span class=\"SFA4 SB S2\" id=\"t3_170\">NOTE 46: </span><span class=\"S2491 SB S2\" id=\"t4_170\">EARNINGS PER SHARE [continued] </span><span class=\"S14D0 SB S2\" id=\"t5_170\">2022 </span><span class=\"S14D1 SB S2\" id=\"t6_170\">2021 </span><span class=\"S3A91 SA7 S2\" id=\"t7_170\">Weighted average number of ordinary shares </span><span class=\"S3A92 SA7 S2\" id=\"t8_170\">280,000,010 </span><span class=\"S3A93 SA7 S2\" id=\"t9_170\">280,000,010 </span><span class=\"S1D27 SA7 S2\" id=\"ta_170\">Average number of Treasury shares </span><span class=\"S3A94 SA7 S2\" id=\"tb_170\">11,209,738 </span><span class=\"S3A95 SA7 S2\" id=\"tc_170\">17,982,174 </span><span class=\"S3A96 SB S2\" id=\"td_170\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A97 SB S2\" id=\"te_170\">during the year for calculating basic EPS </span><span class=\"S3A98 SB S2\" id=\"tf_170\">268,790,272 </span><span class=\"S3A99 SB S2\" id=\"tg_170\">262,017,836 </span><span class=\"S3A9A SA7 S2\" id=\"th_170\">Dilutive effects of options issued in accordance with the </span><span class=\"S3A9B SA7 S2\" id=\"ti_170\">remuneration policy and convertible into ordinary shares </span><span class=\"S3A9C SE8B S2\" id=\"tj_170\">1 </span><span class=\"S14DD SA7 S2\" id=\"tk_170\">82,913 </span><span class=\"S14DE SA7 S2\" id=\"tl_170\">77,122 </span><span class=\"S3A9D SB S2\" id=\"tm_170\">The modified weighted average number of ordinary shares </span><span class=\"S3A9E SB S2\" id=\"tn_170\">outstanding during the year for calculating diluted EPS </span><span class=\"S3A9F SB S2\" id=\"to_170\">268,873,185 </span><span class=\"S3AA0 SB S2\" id=\"tp_170\">262,094,958 </span><span class=\"S3AA1 S482 S2\" id=\"tq_170\">1 </span><span class=\"S3AA2 S483 S2\" id=\"tr_170\">Both in the year 2022 and 2021 the dilutive effect is in connection with the Remuneration Policy and the Management Option Program. </span><span class=\"SFA4 SB S2\" id=\"t3_171\">NOTE 47: </span><span class=\"SFA5 SB S2\" id=\"t4_171\">NET GAIN OR LOSS REALIZED ON FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S3AA3 SB S2\" id=\"t5_171\">2022 </span><span class=\"S3AA4 SB S2\" id=\"t6_171\">Net interest / </span><span class=\"S3AA5 SB S2\" id=\"t7_171\">similar to </span><span class=\"S3AA6 SB S2\" id=\"t8_171\">interest gain </span><span class=\"S3AA7 SB S2\" id=\"t9_171\">and loss </span><span class=\"S3AA8 SB S2\" id=\"ta_171\">Net non- </span><span class=\"S3AA9 SB S2\" id=\"tb_171\">interest gain </span><span class=\"S3AAA SB S2\" id=\"tc_171\">and loss </span><span class=\"S3AAB SB S2\" id=\"td_171\">Loss </span><span class=\"S3AAC SB S2\" id=\"te_171\">allowance </span><span class=\"S3AAD SB S2\" id=\"tf_171\">Other </span><span class=\"S3AAE SB S2\" id=\"tg_171\">Compre- </span><span class=\"S3AAF SB S2\" id=\"th_171\">hensive </span><span class=\"S3AB0 SB S2\" id=\"ti_171\">Income </span><span class=\"S3AB1 SA7 S2\" id=\"tj_171\">Cash, amounts due from banks and </span><span class=\"S3AB2 SA7 S2\" id=\"tk_171\">balances with the National Banks </span><span class=\"S3AB3 SA7 S2\" id=\"tl_171\">62,121 </span><span class=\"S3AB4 SA7 S2\" id=\"tm_171\">- </span><span class=\"S3AB5 SA7 S2\" id=\"tn_171\">(375) </span><span class=\"S3AB6 SA7 S2\" id=\"to_171\">- </span><span class=\"S3AB7 SA7 S2\" id=\"tp_171\">Placements with other banks </span><span class=\"S3AB8 SA7 S2\" id=\"tq_171\">154,231 </span><span class=\"S3AB9 SA7 S2\" id=\"tr_171\">- </span><span class=\"S3ABA SA7 S2\" id=\"ts_171\">39 </span><span class=\"S3ABB SA7 S2\" id=\"tt_171\">- </span><span class=\"S3ABC SA7 S2\" id=\"tu_171\">Repo receivables </span><span class=\"S3ABD SA7 S2\" id=\"tv_171\">4,261 </span><span class=\"S3ABE SA7 S2\" id=\"tw_171\">- </span><span class=\"S3ABF SA7 S2\" id=\"tx_171\">50 </span><span class=\"S3AC0 SA7 S2\" id=\"ty_171\">- </span><span class=\"S3AC1 SA7 S2\" id=\"tz_171\">Trading securities at fair value </span><span class=\"S3AC2 SA7 S2\" id=\"t10_171\">through profit or loss </span><span class=\"S33E4 SA7 S2\" id=\"t11_171\">- </span><span class=\"S3AC3 SA7 S2\" id=\"t12_171\">(3,151) </span><span class=\"S3AC4 SA7 S2\" id=\"t13_171\">- </span><span class=\"S3AC5 SA7 S2\" id=\"t14_171\">- </span><span class=\"S3AC6 SA7 S2\" id=\"t15_171\">Non-trading instruments mandatorily </span><span class=\"S3AC7 SA7 S2\" id=\"t16_171\">at fair value through profit or loss </span><span class=\"S3AC8 SA7 S2\" id=\"t17_171\">54 </span><span class=\"S3AC9 SA7 S2\" id=\"t18_171\">145 </span><span class=\"S3ACA SA7 S2\" id=\"t19_171\">- </span><span class=\"S3ACB SA7 S2\" id=\"t1a_171\">- </span><span class=\"S3ACC SA7 S2\" id=\"t1b_171\">Securities at fair value through </span><span class=\"S3ACD SA7 S2\" id=\"t1c_171\">other comprehensive income </span><span class=\"S3ACE SE8B S2\" id=\"t1d_171\">1 </span><span class=\"S3ACF SA7 S2\" id=\"t1e_171\">54,046 </span><span class=\"S3AD0 SA7 S2\" id=\"t1f_171\">(1,014) </span><span class=\"S3AD1 SA7 S2\" id=\"t1g_171\">(29,273) </span><span class=\"S3AD2 SA7 S2\" id=\"t1h_171\">(119,377) </span><span class=\"S3AD3 SA7 S2\" id=\"t1i_171\">Securities at amortized cost </span><span class=\"S33F4 SA7 S2\" id=\"t1j_171\">144,757 </span><span class=\"S3AD4 SA7 S2\" id=\"t1k_171\">(4,636) </span><span class=\"S3AD5 SA7 S2\" id=\"t1l_171\">(31,501) </span><span class=\"S3AD6 SA7 S2\" id=\"t1m_171\">- </span><span class=\"S3AD7 SA7 S2\" id=\"t1n_171\">Loans at amortized cost </span><span class=\"S3AD8 SA7 S2\" id=\"t1o_171\">978,037 </span><span class=\"S3AD9 SA7 S2\" id=\"t1p_171\">32,572 </span><span class=\"S3ADA SA7 S2\" id=\"t1q_171\">(167,506) </span><span class=\"S3ADB SA7 S2\" id=\"t1r_171\">- </span><span class=\"S3ADC SA7 S2\" id=\"t1s_171\">Finance lease receivables </span><span class=\"S3ADD SA7 S2\" id=\"t1t_171\">78,262 </span><span class=\"S3ADE SA7 S2\" id=\"t1u_171\">- </span><span class=\"S3ADF SA7 S2\" id=\"t1v_171\">(24,413) </span><span class=\"S3AE0 SA7 S2\" id=\"t1w_171\">- </span><span class=\"S3AE1 SA7 S2\" id=\"t1x_171\">Loans mandatorily at fair value </span><span class=\"S3AE2 SA7 S2\" id=\"t1y_171\">through profit or loss </span><span class=\"S3AE3 SA7 S2\" id=\"t1z_171\">54,036 </span><span class=\"S3AE4 SA7 S2\" id=\"t20_171\">(5,951) </span><span class=\"S3AE5 SA7 S2\" id=\"t21_171\">13,346 </span><span class=\"S3AE6 SA7 S2\" id=\"t22_171\">- </span><span class=\"S3AE7 SA7 S2\" id=\"t23_171\">Other financial assets </span><span class=\"S3AE8 SE8B S2\" id=\"t24_171\">2 </span><span class=\"S3AE9 SA7 S2\" id=\"t25_171\">4,103 </span><span class=\"S3AEA SA7 S2\" id=\"t26_171\">- </span><span class=\"S3AEB SA7 S2\" id=\"t27_171\">(1,204) </span><span class=\"S3AEC SA7 S2\" id=\"t28_171\">- </span><span class=\"S3AED SA7 S2\" id=\"t29_171\">Derivative financial instruments </span><span class=\"S3AEE SE8B S2\" id=\"t2a_171\">2 </span><span class=\"S3AEF SA7 S2\" id=\"t2b_171\">(85,909) </span><span class=\"S3AF0 SA7 S2\" id=\"t2c_171\">10,558 </span><span class=\"S3AF1 SA7 S2\" id=\"t2d_171\">- </span><span class=\"S3AF2 SA7 S2\" id=\"t2e_171\">- </span><span class=\"S3AF3 SB S2\" id=\"t2f_171\">Total result on financial assets </span><span class=\"S3AF4 SB S2\" id=\"t2g_171\">1,447,999 </span><span class=\"S3AF5 SB S2\" id=\"t2h_171\">28,523 </span><span class=\"S3AF6 SB S2\" id=\"t2i_171\">(240,837) </span><span class=\"S3AF7 SB S2\" id=\"t2j_171\">(119,377) </span><span class=\"S3AF8 SA7 S2\" id=\"t2k_171\">Amounts due to banks, the National </span><span class=\"S3AF9 SA7 S2\" id=\"t2l_171\">Governments, deposits from the </span><span class=\"S3AFA SA7 S2\" id=\"t2m_171\">National Banks and other banks </span><span class=\"S3AFB SA7 S2\" id=\"t2n_171\">(16,315) </span><span class=\"S3AFC SA7 S2\" id=\"t2o_171\">- </span><span class=\"S3AFD SA7 S2\" id=\"t2p_171\">- </span><span class=\"S3AFE SA7 S2\" id=\"t2q_171\">- </span><span class=\"S3AFF SA7 S2\" id=\"t2r_171\">Repo liabilities </span><span class=\"S3B00 SA7 S2\" id=\"t2s_171\">(31,006) </span><span class=\"S3B01 SA7 S2\" id=\"t2t_171\">- </span><span class=\"S3B02 SA7 S2\" id=\"t2u_171\">- </span><span class=\"S3B03 SA7 S2\" id=\"t2v_171\">- </span><span class=\"S3B04 SA7 S2\" id=\"t2w_171\">Financial liabilities designated </span><span class=\"S3B05 SA7 S2\" id=\"t2x_171\">at fair value through profit or loss </span><span class=\"S3B06 SA7 S2\" id=\"t2y_171\">(562) </span><span class=\"S3B07 SA7 S2\" id=\"t2z_171\">1,932 </span><span class=\"S3B08 SA7 S2\" id=\"t30_171\">- </span><span class=\"S3B09 SA7 S2\" id=\"t31_171\">- </span><span class=\"S3B0A SA7 S2\" id=\"t32_171\">Deposits from customers </span><span class=\"S3B0B SA7 S2\" id=\"t33_171\">(269,592) </span><span class=\"S3B0C SA7 S2\" id=\"t34_171\">342,427 </span><span class=\"S3B0D SA7 S2\" id=\"t35_171\">- </span><span class=\"S3B0E SA7 S2\" id=\"t36_171\">- </span><span class=\"S3B0F SA7 S2\" id=\"t37_171\">Liabilities from issued securities </span><span class=\"S3B10 SA7 S2\" id=\"t38_171\">(27,838) </span><span class=\"S3B11 SA7 S2\" id=\"t39_171\">- </span><span class=\"S3B12 SA7 S2\" id=\"t3a_171\">- </span><span class=\"S3B13 SA7 S2\" id=\"t3b_171\">- </span><span class=\"S3B14 SA7 S2\" id=\"t3c_171\">Leasing liabilities </span><span class=\"S3B15 SA7 S2\" id=\"t3d_171\">(2,386) </span><span class=\"S3B16 SA7 S2\" id=\"t3e_171\">- </span><span class=\"S3B17 SA7 S2\" id=\"t3f_171\">- </span><span class=\"S3B18 SA7 S2\" id=\"t3g_171\">- </span><span class=\"S3B19 SA7 S2\" id=\"t3h_171\">Subordinated bonds and loans </span><span class=\"S3B1A SA7 S2\" id=\"t3i_171\">(8,986) </span><span class=\"S3B1B SA7 S2\" id=\"t3j_171\">- </span><span class=\"S3B1C SA7 S2\" id=\"t3k_171\">- </span><span class=\"S3B1D SA7 S2\" id=\"t3l_171\">- </span><span class=\"S3B1E SB S2\" id=\"t3m_171\">Total result on financial liabilities </span><span class=\"S3B1F SB S2\" id=\"t3n_171\">(356,685) </span><span class=\"S3B20 SB S2\" id=\"t3o_171\">344,359 </span><span class=\"S3B21 SB S2\" id=\"t3p_171\">- </span><span class=\"S3B22 SB S2\" id=\"t3q_171\">- </span><span class=\"S3B23 SB S2\" id=\"t3r_171\">Total result on financial instruments </span><span class=\"S3B24 SB S2\" id=\"t3s_171\">1,091,314 </span><span class=\"S3B25 SB S2\" id=\"t3t_171\">372,882 </span><span class=\"S3B26 SB S2\" id=\"t3u_171\">(240,837) </span><span class=\"S3B27 SB S2\" id=\"t3v_171\">(119,377) </span><span class=\"S3B28 S482 S2\" id=\"t3w_171\">1 </span><span class=\"S3B29 S483 S2\" id=\"t3x_171\">For the year 2022 HUF (1,014) million net non-interest gain on securities at fair value through other comprehensive income was transferred </span><span class=\"S3B2A S483 S2\" id=\"t3y_171\">from other comprehensive income to profit or loss. </span><span class=\"S1658 S482 S2\" id=\"t3z_171\">2 </span><span class=\"S3B2B S483 S2\" id=\"t40_171\">Gains from other financial assets and derivative financial instruments recognized in net interest income as Income similar to interest income. </span><span class=\"SFA4 SB S2\" id=\"t3_172\">NOTE 47: </span><span class=\"SFA5 SB S2\" id=\"t4_172\">NET GAIN OR LOSS REALIZED ON FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_172\">[continued] </span><span class=\"S3AA3 SB S2\" id=\"t6_172\">2021 </span><span class=\"S3B2C SB S2\" id=\"t7_172\">Net interest / </span><span class=\"S3AA5 SB S2\" id=\"t8_172\">similar to </span><span class=\"S3AA6 SB S2\" id=\"t9_172\">interest gain </span><span class=\"S3B2D SB S2\" id=\"ta_172\">and loss </span><span class=\"S3AA8 SB S2\" id=\"tb_172\">Net non- </span><span class=\"S3AA9 SB S2\" id=\"tc_172\">interest gain </span><span class=\"S3AAA SB S2\" id=\"td_172\">and loss </span><span class=\"S3AAB SB S2\" id=\"te_172\">Loss </span><span class=\"S3AAC SB S2\" id=\"tf_172\">allowance </span><span class=\"S3AAD SB S2\" id=\"tg_172\">Other </span><span class=\"S3AAE SB S2\" id=\"th_172\">Compre- </span><span class=\"S3AAF SB S2\" id=\"ti_172\">hensive </span><span class=\"S3AB0 SB S2\" id=\"tj_172\">Income </span><span class=\"S3AB1 SA7 S2\" id=\"tk_172\">Cash, amounts due from banks and </span><span class=\"S3AB2 SA7 S2\" id=\"tl_172\">balances with the National Banks </span><span class=\"S3AB3 SA7 S2\" id=\"tm_172\">16,527 </span><span class=\"S3AB4 SA7 S2\" id=\"tn_172\">- </span><span class=\"S3AB5 SA7 S2\" id=\"to_172\">(952) </span><span class=\"S3AB6 SA7 S2\" id=\"tp_172\">- </span><span class=\"S3AB7 SA7 S2\" id=\"tq_172\">Placements with other banks </span><span class=\"S3B2E SA7 S2\" id=\"tr_172\">24,594 </span><span class=\"S3AB9 SA7 S2\" id=\"ts_172\">- </span><span class=\"S3B2F SA7 S2\" id=\"tt_172\">(1,664) </span><span class=\"S3ABB SA7 S2\" id=\"tu_172\">- </span><span class=\"S3ABC SA7 S2\" id=\"tv_172\">Repo receivables </span><span class=\"S3B30 SA7 S2\" id=\"tw_172\">827 </span><span class=\"S3ABE SA7 S2\" id=\"tx_172\">- </span><span class=\"S3ABF SA7 S2\" id=\"ty_172\">12 </span><span class=\"S3AC0 SA7 S2\" id=\"tz_172\">- </span><span class=\"S3AC1 SA7 S2\" id=\"t10_172\">Trading securities at fair value </span><span class=\"S3AC2 SA7 S2\" id=\"t11_172\">through profit or loss </span><span class=\"S33E4 SA7 S2\" id=\"t12_172\">- </span><span class=\"S3B31 SA7 S2\" id=\"t13_172\">5,016 </span><span class=\"S3AC4 SA7 S2\" id=\"t14_172\">- </span><span class=\"S3AC5 SA7 S2\" id=\"t15_172\">- </span><span class=\"S3AC6 SA7 S2\" id=\"t16_172\">Non-trading instruments mandatorily </span><span class=\"S3AC7 SA7 S2\" id=\"t17_172\">at fair value through profit or loss </span><span class=\"S3B32 SA7 S2\" id=\"t18_172\">1,749 </span><span class=\"S3B33 SA7 S2\" id=\"t19_172\">4,812 </span><span class=\"S3ACA SA7 S2\" id=\"t1a_172\">- </span><span class=\"S3ACB SA7 S2\" id=\"t1b_172\">- </span><span class=\"S3ACC SA7 S2\" id=\"t1c_172\">Securities at fair value through </span><span class=\"S3ACD SA7 S2\" id=\"t1d_172\">other comprehensive income </span><span class=\"S3ACE SE8B S2\" id=\"t1e_172\">1 </span><span class=\"S3ACF SA7 S2\" id=\"t1f_172\">49,473 </span><span class=\"S3AD0 SA7 S2\" id=\"t1g_172\">(2,587) </span><span class=\"S3B34 SA7 S2\" id=\"t1h_172\">(961) </span><span class=\"S3B35 SA7 S2\" id=\"t1i_172\">(44,877) </span><span class=\"S3AD3 SA7 S2\" id=\"t1j_172\">Securities at amortized cost </span><span class=\"S3B36 SA7 S2\" id=\"t1k_172\">79,602 </span><span class=\"S3B37 SA7 S2\" id=\"t1l_172\">1,031 </span><span class=\"S3B38 SA7 S2\" id=\"t1m_172\">(3,013) </span><span class=\"S3AD6 SA7 S2\" id=\"t1n_172\">- </span><span class=\"S3AD7 SA7 S2\" id=\"t1o_172\">Loans at amortized cost </span><span class=\"S3AD8 SA7 S2\" id=\"t1p_172\">692,432 </span><span class=\"S3AD9 SA7 S2\" id=\"t1q_172\">26,354 </span><span class=\"S3B39 SA7 S2\" id=\"t1r_172\">(32,159) </span><span class=\"S3ADB SA7 S2\" id=\"t1s_172\">- </span><span class=\"S3ADC SA7 S2\" id=\"t1t_172\">Finance lease receivables </span><span class=\"S3ADD SA7 S2\" id=\"t1u_172\">59,084 </span><span class=\"S3ADE SA7 S2\" id=\"t1v_172\">- </span><span class=\"S3B3A SA7 S2\" id=\"t1w_172\">(5,776) </span><span class=\"S3AE0 SA7 S2\" id=\"t1x_172\">- </span><span class=\"S3AE1 SA7 S2\" id=\"t1y_172\">Loans mandatorily at fair value </span><span class=\"S3AE2 SA7 S2\" id=\"t1z_172\">through profit or loss </span><span class=\"S3AE3 SA7 S2\" id=\"t20_172\">40,131 </span><span class=\"S3B3B SA7 S2\" id=\"t21_172\">4,459 </span><span class=\"S3B3C SA7 S2\" id=\"t22_172\">(16,289) </span><span class=\"S3AE6 SA7 S2\" id=\"t23_172\">- </span><span class=\"S3AE7 SA7 S2\" id=\"t24_172\">Other financial assets </span><span class=\"S3B3D SE8B S2\" id=\"t25_172\">2 </span><span class=\"S3AE9 SA7 S2\" id=\"t26_172\">3,639 </span><span class=\"S3AEA SA7 S2\" id=\"t27_172\">- </span><span class=\"S3B3E SA7 S2\" id=\"t28_172\">438 </span><span class=\"S3AEC SA7 S2\" id=\"t29_172\">- </span><span class=\"S3AED SA7 S2\" id=\"t2a_172\">Derivative financial instruments </span><span class=\"S3AEE SE8B S2\" id=\"t2b_172\">2 </span><span class=\"S3B3F SA7 S2\" id=\"t2c_172\">3,321 </span><span class=\"S3B40 SA7 S2\" id=\"t2d_172\">9,412 </span><span class=\"S3AF1 SA7 S2\" id=\"t2e_172\">- </span><span class=\"S3AF2 SA7 S2\" id=\"t2f_172\">- </span><span class=\"S3AF3 SB S2\" id=\"t2g_172\">Total result on financial assets </span><span class=\"S3B41 SB S2\" id=\"t2h_172\">971,379 </span><span class=\"S3AF5 SB S2\" id=\"t2i_172\">48,497 </span><span class=\"S3B42 SB S2\" id=\"t2j_172\">(60,364) </span><span class=\"S3B43 SB S2\" id=\"t2k_172\">(44,877) </span><span class=\"S3AF8 SA7 S2\" id=\"t2l_172\">Amounts due to banks, the National </span><span class=\"S3AF9 SA7 S2\" id=\"t2m_172\">Governments, deposits from the </span><span class=\"S3AFA SA7 S2\" id=\"t2n_172\">National Banks and other banks </span><span class=\"S3AFB SA7 S2\" id=\"t2o_172\">(24,249) </span><span class=\"S3AFC SA7 S2\" id=\"t2p_172\">- </span><span class=\"S3AFD SA7 S2\" id=\"t2q_172\">- </span><span class=\"S3AFE SA7 S2\" id=\"t2r_172\">- </span><span class=\"S3AFF SA7 S2\" id=\"t2s_172\">Repo liabilities </span><span class=\"S3B44 SA7 S2\" id=\"t2t_172\">(2,299) </span><span class=\"S3B01 SA7 S2\" id=\"t2u_172\">- </span><span class=\"S3B02 SA7 S2\" id=\"t2v_172\">- </span><span class=\"S3B03 SA7 S2\" id=\"t2w_172\">- </span><span class=\"S3B04 SA7 S2\" id=\"t2x_172\">Financial liabilities designated </span><span class=\"S3B05 SA7 S2\" id=\"t2y_172\">at fair value through profit or loss </span><span class=\"S3B06 SA7 S2\" id=\"t2z_172\">(493) </span><span class=\"S3B45 SA7 S2\" id=\"t30_172\">(3,916) </span><span class=\"S3B08 SA7 S2\" id=\"t31_172\">- </span><span class=\"S3B09 SA7 S2\" id=\"t32_172\">- </span><span class=\"S3B0A SA7 S2\" id=\"t33_172\">Deposits from customers </span><span class=\"S3B46 SA7 S2\" id=\"t34_172\">(51,052) </span><span class=\"S3B0C SA7 S2\" id=\"t35_172\">267,033 </span><span class=\"S3B0D SA7 S2\" id=\"t36_172\">- </span><span class=\"S3B0E SA7 S2\" id=\"t37_172\">- </span><span class=\"S3B0F SA7 S2\" id=\"t38_172\">Liabilities from issued securities </span><span class=\"S3B47 SA7 S2\" id=\"t39_172\">(9,822) </span><span class=\"S3B11 SA7 S2\" id=\"t3a_172\">- </span><span class=\"S3B12 SA7 S2\" id=\"t3b_172\">- </span><span class=\"S3B13 SA7 S2\" id=\"t3c_172\">- </span><span class=\"S3B14 SA7 S2\" id=\"t3d_172\">Leasing liabilities </span><span class=\"S3B15 SA7 S2\" id=\"t3e_172\">(1,556) </span><span class=\"S3B16 SA7 S2\" id=\"t3f_172\">- </span><span class=\"S3B17 SA7 S2\" id=\"t3g_172\">- </span><span class=\"S3B18 SA7 S2\" id=\"t3h_172\">- </span><span class=\"S3B19 SA7 S2\" id=\"t3i_172\">Subordinated bonds and loans </span><span class=\"S3B1A SA7 S2\" id=\"t3j_172\">(7,598) </span><span class=\"S3B1B SA7 S2\" id=\"t3k_172\">- </span><span class=\"S3B1C SA7 S2\" id=\"t3l_172\">- </span><span class=\"S3B1D SA7 S2\" id=\"t3m_172\">- </span><span class=\"S3B1E SB S2\" id=\"t3n_172\">Total result on financial liabilities </span><span class=\"S3B48 SB S2\" id=\"t3o_172\">(97,069) </span><span class=\"S3B20 SB S2\" id=\"t3p_172\">263,117 </span><span class=\"S3B21 SB S2\" id=\"t3q_172\">- </span><span class=\"S3B22 SB S2\" id=\"t3r_172\">- </span><span class=\"S3B49 SB S2\" id=\"t3s_172\">Total result on financial instruments </span><span class=\"S3B4A SB S2\" id=\"t3t_172\">874,310 </span><span class=\"S3B25 SB S2\" id=\"t3u_172\">311,614 </span><span class=\"S3B4B SB S2\" id=\"t3v_172\">(60,364) </span><span class=\"S3B4C SB S2\" id=\"t3w_172\">(44,877) </span><span class=\"S3B28 S482 S2\" id=\"t3x_172\">1 </span><span class=\"S3B4D S483 S2\" id=\"t3y_172\">For the year of 2021 HUF (2,587) million net non-interest gain on securities at fair value through other comprehensive income was transferred </span><span class=\"S3B2A S483 S2\" id=\"t3z_172\">from other comprehensive income to profit or loss. </span><span class=\"S1658 S482 S2\" id=\"t40_172\">2 </span><span class=\"S3B4E S483 S2\" id=\"t41_172\">Gains from other financial assets and derivative financial instruments recognized in net interest income as Income similar to interest income. </span><span class=\"SFA4 SB S2\" id=\"t3_173\">NOTE 48: </span><span class=\"SDB9 SB S2\" id=\"t4_173\">FAIR VALUE OF FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S3B4F SA7 S2\" id=\"t5_173\">In determining the fair value of a financial asset or liability the Group uses the market price in the case of </span><span class=\"S3B50 SA7 S2\" id=\"t6_173\">instruments that are quoted on an active market. In most cases market price is not publicly available, so the Group </span><span class=\"S3B51 SA7 S2\" id=\"t7_173\">has to make assumptions or use valuation techniques to determine the fair value of a financial instrument. See </span><span class=\"S3B52 SA7 S2\" id=\"t8_173\">Note 48.4. for more information about fair value classes applied for financial assets and liabilities measured at fair </span><span class=\"S3B53 SA7 S2\" id=\"t9_173\">value in these financial statements. </span><span class=\"S3B54 SA7 S2\" id=\"ta_173\">To provide a reliable estimate of the fair value of those financial instruments that are originally measured at </span><span class=\"S3B55 SA7 S2\" id=\"tb_173\">amortized cost, the Group used the discounted cash-flow analyses (loans, placements with other banks, repo </span><span class=\"S3B56 SA7 S2\" id=\"tc_173\">receivables, amounts due to banks, repo liabilities, deposits from customers). The fair value of issued securities </span><span class=\"S3B57 SA7 S2\" id=\"td_173\">and subordinated bonds is based on quoted prices (e.g. Reuters). Cash and amounts due from banks and balances </span><span class=\"S3B58 SA7 S2\" id=\"te_173\">with the National Banks represent amounts available immediately thus the fair value equals to the cost. </span><span class=\"S3B59 SA7 S2\" id=\"tf_173\">The assumptions used when calculating the fair value of financial assets and liabilities when using valuation </span><span class=\"S3B5A SA7 S2\" id=\"tg_173\">technique are the following: </span><span class=\"S3B5B S602 S2\" id=\"th_173\">\u2022 </span><span class=\"S3B5C SA7 S2\" id=\"ti_173\">the discount rates are the risk-free rates related to the denomination currency adjusted by the appropriate </span><span class=\"S3B5D SA7 S2\" id=\"tj_173\">risk premium as of the end of the reporting period, </span><span class=\"S3B5E S602 S2\" id=\"tk_173\">\u2022 </span><span class=\"S3B5F SA7 S2\" id=\"tl_173\">the contractual cash-flows are considered for the performing loans and for the non-performing loans, the </span><span class=\"S3B60 SA7 S2\" id=\"tm_173\">amortized cost less impairment is considered as fair value, </span><span class=\"S3B61 S602 S2\" id=\"tn_173\">\u2022 </span><span class=\"S3B62 SA7 S2\" id=\"to_173\">the future cash-flows for floating interest rate instruments are estimated from the yield curves as of the </span><span class=\"S3B63 SA7 S2\" id=\"tp_173\">end of the reporting period, </span><span class=\"S3B64 S602 S2\" id=\"tq_173\">\u2022 </span><span class=\"S3B65 SA7 S2\" id=\"tr_173\">the fair value of the deposit which can be due in demand cannot be lower than the amount payable on </span><span class=\"S3B66 SA7 S2\" id=\"ts_173\">demand. </span><span class=\"S3B67 SA7 S2\" id=\"tt_173\">Classes of assets and liabilities not measured at fair value in the Consolidated Statement of Financial Position, the </span><span class=\"S3B68 SA7 S2\" id=\"tu_173\">income approach was used to convert future cash-flows to a single current amount. Fair value of current assets is </span><span class=\"S3B69 SA7 S2\" id=\"tv_173\">equal to carrying amount, fair value of liabilities from issued securities and other bond-type classes of assets and </span><span class=\"S3B6A SA7 S2\" id=\"tw_173\">liabilities not measured at fair value measured based on Reuters market rates, and the fair value of other classes </span><span class=\"S3B6B SA7 S2\" id=\"tx_173\">not measured at fair value of the Consolidated Statement of Financial Position is measured at discounted cash- </span><span class=\"S3B6C SA7 S2\" id=\"ty_173\">flow method. Fair value of loans, net of loss allowance for loans measured at discount rate adjustment technique, </span><span class=\"S3B6D SA7 S2\" id=\"tz_173\">the discount rate is derived from observed rates of return for comparable assets or liabilities that are traded in the </span><span class=\"S3B6E SA7 S2\" id=\"t10_173\">market. </span><span class=\"S3B6F SA7 S2\" id=\"t11_173\">Fair value measurements </span><span class=\"S3B70 S5B9 S2\" id=\"t12_173\">\u2013 </span><span class=\"S3B71 SA7 S2\" id=\"t13_173\">in relation to instruments measured not at fair value </span><span class=\"S3B72 S5B9 S2\" id=\"t14_173\">\u2013 </span><span class=\"S3B73 SA7 S2\" id=\"t15_173\">are mainly categorized in level </span><span class=\"S3B74 SA7 S2\" id=\"t16_173\">3 of the fair value hierarchy. </span><span class=\"S3B75 SB S2\" id=\"t17_173\">Use of modified yield curve </span><span class=\"S3B76 SA7 S2\" id=\"t18_173\">During the year ended 31 December 2022 yield curves derived from Hu</span><span class=\"S3B77 S5B9 S2\" id=\"t19_173\">ngarian government bonds (\u201c\u00c1KK curve\u201d) </span><span class=\"S3B78 SA7 S2\" id=\"t1a_173\">have become distorted due to certain market events, which means that real liquidity has concentrated on certain </span><span class=\"S3B79 SA7 S2\" id=\"t1b_173\">part of the yield curve. Therefore, a modified yield curve - which is not observable on the market - has been used </span><span class=\"S3B7A SA7 S2\" id=\"t1c_173\">at the concerning fair value calculations. This yield curve is based on the relevant yield curve points of the original </span><span class=\"S3B7B S5B9 S2\" id=\"t1d_173\">\u00c1KK curve. Based on Management\u2019s discretion fair value calculated with modified yield curves can represent the </span><span class=\"S3B7C SA7 S2\" id=\"t1e_173\">perspective of market participants reliable at current market conditions. </span><span class=\"S3B7D S5B9 S2\" id=\"t1f_173\">Modified yield curve was used for calculating fair value in case of subsidized personal loans represented in \u201cLoans </span><span class=\"S3B7E S5B9 S2\" id=\"t1g_173\">mandatorily measured at fair value through profit or loss\u201d line. </span><span class=\"S3B80 SB S2\" id=\"t5_174\">48.1. </span><span class=\"S3B81 SB S2\" id=\"t6_174\">Fair value of financial assets and liabilities </span><span class=\"S3B82 S27D S2\" id=\"t7_174\">2022 </span><span class=\"S3B83 S27D S2\" id=\"t8_174\">2021 </span><span class=\"S3B84 S27D S2\" id=\"t9_174\">Carrying amount </span><span class=\"S3B85 S27D S2\" id=\"ta_174\">Fair value </span><span class=\"S3B86 S27D S2\" id=\"tb_174\">Carrying amount </span><span class=\"S3B87 S27D S2\" id=\"tc_174\">Fair value </span><span class=\"S3B88 S27E S2\" id=\"td_174\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S3B89 S27E S2\" id=\"te_174\">4,221,392 </span><span class=\"S3B8A S27E S2\" id=\"tf_174\">4,221,392 </span><span class=\"S3B8B S27E S2\" id=\"tg_174\">2,556,035 </span><span class=\"S3B8C S27E S2\" id=\"th_174\">2,556,035 </span><span class=\"S3B8D S27E S2\" id=\"ti_174\">Placements with other banks </span><span class=\"S3B8E S27E S2\" id=\"tj_174\">1,351,082 </span><span class=\"S3B8F S27E S2\" id=\"tk_174\">1,322,560 </span><span class=\"S3B90 S27E S2\" id=\"tl_174\">1,584,861 </span><span class=\"S3B91 S27E S2\" id=\"tm_174\">1,566,458 </span><span class=\"S3B92 S27E S2\" id=\"tn_174\">Repo receivables </span><span class=\"S3B93 S27E S2\" id=\"to_174\">41,009 </span><span class=\"S3B94 S27E S2\" id=\"tp_174\">42,993 </span><span class=\"S3B95 S27E S2\" id=\"tq_174\">61,052 </span><span class=\"S3B96 S27E S2\" id=\"tr_174\">61,121 </span><span class=\"S3B97 S27E S2\" id=\"ts_174\">Securities at amortized cost </span><span class=\"S3B98 S27E S2\" id=\"tt_174\">4,891,938 </span><span class=\"S3B99 S27E S2\" id=\"tu_174\">4,048,877 </span><span class=\"S3B9A S27E S2\" id=\"tv_174\">3,891,335 </span><span class=\"S3B9B S27E S2\" id=\"tw_174\">3,645,046 </span><span class=\"S3B9C S27E S2\" id=\"tx_174\">Loans at amortized cost </span><span class=\"S3B9D S27E S2\" id=\"ty_174\">16,094,458 </span><span class=\"S3B9E S27E S2\" id=\"tz_174\">15,557,928 </span><span class=\"S3B9F S27E S2\" id=\"t10_174\">13,493,183 </span><span class=\"S3BA0 S27E S2\" id=\"t11_174\">13,106,425 </span><span class=\"S3BA1 S27E S2\" id=\"t12_174\">Finance lease receivables </span><span class=\"S3BA2 S27E S2\" id=\"t13_174\">1,298,752 </span><span class=\"S3BA3 S27E S2\" id=\"t14_174\">1,320,286 </span><span class=\"S3BA4 S27E S2\" id=\"t15_174\">1,182,628 </span><span class=\"S3BA5 S27E S2\" id=\"t16_174\">1,183,089 </span><span class=\"S3BA6 S27E S2\" id=\"t17_174\">Other financial assets </span><span class=\"S3BA7 S27E S2\" id=\"t18_174\">262,981 </span><span class=\"S3BA8 S27E S2\" id=\"t19_174\">262,981 </span><span class=\"S3BA9 S27E S2\" id=\"t1a_174\">135,916 </span><span class=\"S3BAA S27E S2\" id=\"t1b_174\">135,916 </span><span class=\"S3BAB S27D S2\" id=\"t1c_174\">Total assets not measured at fair value </span><span class=\"S3BAC S27D S2\" id=\"t1d_174\">28,161,612 </span><span class=\"S3BAD S27D S2\" id=\"t1e_174\">26,777,017 </span><span class=\"S3BAE S27D S2\" id=\"t1f_174\">22,905,010 </span><span class=\"S3BAF S27D S2\" id=\"t1g_174\">22,254,090 </span><span class=\"S3BB0 S27E S2\" id=\"t1h_174\">Financial assets at fair value through profit or loss </span><span class=\"S3BB1 S27E S2\" id=\"t1i_174\">436,387 </span><span class=\"S3BB2 S27E S2\" id=\"t1j_174\">436,387 </span><span class=\"S3BB3 S27E S2\" id=\"t1k_174\">341,397 </span><span class=\"S3BB4 S27E S2\" id=\"t1l_174\">341,397 </span><span class=\"S3BB5 S3C28 S2\" id=\"t1m_174\">Trading securities at fair value through profit or loss </span><span class=\"S3BB6 S3C28 S2\" id=\"t1n_174\">104,750 </span><span class=\"S3BB7 S3C28 S2\" id=\"t1o_174\">104,750 </span><span class=\"S3BB8 S3C28 S2\" id=\"t1p_174\">103,510 </span><span class=\"S3BB9 S3C28 S2\" id=\"t1q_174\">103,510 </span><span class=\"S3BBA S3C28 S2\" id=\"t1r_174\">Fair value of derivative financial assets held for trading </span><span class=\"S3BBB S3C28 S2\" id=\"t1s_174\">276,482 </span><span class=\"S3BBC S3C28 S2\" id=\"t1t_174\">276,482 </span><span class=\"S3BBD S3C28 S2\" id=\"t1u_174\">184,484 </span><span class=\"S3BBE S3C28 S2\" id=\"t1v_174\">184,484 </span><span class=\"S3BBF S3C28 S2\" id=\"t1w_174\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S3BC0 S3C28 S2\" id=\"t1x_174\">55,155 </span><span class=\"S3BC1 S3C28 S2\" id=\"t1y_174\">55,155 </span><span class=\"S3BC2 S3C28 S2\" id=\"t1z_174\">53,403 </span><span class=\"S3BC3 S3C28 S2\" id=\"t20_174\">53,403 </span><span class=\"S3BC4 S3C28 S2\" id=\"t21_174\">Financial assets designated at fair value through profit or loss </span><span class=\"S3BC5 S3C28 S2\" id=\"t22_174\">- </span><span class=\"S3BC6 S3C28 S2\" id=\"t23_174\">- </span><span class=\"S3BC7 S3C28 S2\" id=\"t24_174\">- </span><span class=\"S3BC8 S3C28 S2\" id=\"t25_174\">- </span><span class=\"S3BC9 S27E S2\" id=\"t26_174\">Equity instruments at fair value through other comprehensive income </span><span class=\"S3BCA S27E S2\" id=\"t27_174\">40,157 </span><span class=\"S3BCB S27E S2\" id=\"t28_174\">40,157 </span><span class=\"S3BCC S27E S2\" id=\"t29_174\">34,976 </span><span class=\"S3BCD S27E S2\" id=\"t2a_174\">34,976 </span><span class=\"S3BCE S27E S2\" id=\"t2b_174\">Securities at fair value through other comprehensive income </span><span class=\"S3BCF S27E S2\" id=\"t2c_174\">1,699,446 </span><span class=\"S3BD0 S27E S2\" id=\"t2d_174\">1,699,446 </span><span class=\"S3BD1 S27E S2\" id=\"t2e_174\">2,189,534 </span><span class=\"S3BD2 S27E S2\" id=\"t2f_174\">2,189,534 </span><span class=\"S3BD3 S27E S2\" id=\"t2g_174\">Loans mandatorily at fair value through profit or loss </span><span class=\"S3BD4 S27E S2\" id=\"t2h_174\">1,247,414 </span><span class=\"S3BD5 S27E S2\" id=\"t2i_174\">1,247,414 </span><span class=\"S3BD6 S27E S2\" id=\"t2j_174\">1,068,111 </span><span class=\"S3BD7 S27E S2\" id=\"t2k_174\">1,068,111 </span><span class=\"S3BD8 S27E S2\" id=\"t2l_174\">Derivative financial assets designated as hedge accounting </span><span class=\"S3BD9 S27E S2\" id=\"t2m_174\">48,247 </span><span class=\"S3BDA S27E S2\" id=\"t2n_174\">48,247 </span><span class=\"S3BDB S27E S2\" id=\"t2o_174\">18,757 </span><span class=\"S3BDC S27E S2\" id=\"t2p_174\">18,757 </span><span class=\"S3BDD S27D S2\" id=\"t2q_174\">Total assets measured at fair value </span><span class=\"S3BDE S27D S2\" id=\"t2r_174\">3,471,651 </span><span class=\"S3BDF S27D S2\" id=\"t2s_174\">3,471,651 </span><span class=\"S3BE0 S27D S2\" id=\"t2t_174\">3,652,775 </span><span class=\"S3BE1 S27D S2\" id=\"t2u_174\">3,652,775 </span><span class=\"S3BE2 S27D S2\" id=\"t2v_174\">Financial assets total </span><span class=\"S3BE3 S27D S2\" id=\"t2w_174\">31,633,263 </span><span class=\"S3BE4 S27D S2\" id=\"t2x_174\">30,248,668 </span><span class=\"S3BE5 S27D S2\" id=\"t2y_174\">26,557,785 </span><span class=\"S3BE6 S27D S2\" id=\"t2z_174\">25,906,865 </span><span class=\"S3BE7 S27E S2\" id=\"t30_174\">Amounts due to the National Governments, to the National Banks and other banks </span><span class=\"S3BE8 S27E S2\" id=\"t31_174\">1,463,158 </span><span class=\"S3BE9 S27E S2\" id=\"t32_174\">1,109,924 </span><span class=\"S3BEA S27E S2\" id=\"t33_174\">1,567,348 </span><span class=\"S3BEB S27E S2\" id=\"t34_174\">1,446,036 </span><span class=\"S3BEC S27E S2\" id=\"t35_174\">Repo liabilities </span><span class=\"S3BED S27E S2\" id=\"t36_174\">217,369 </span><span class=\"S3BEE S27E S2\" id=\"t37_174\">227,669 </span><span class=\"S3BEF S27E S2\" id=\"t38_174\">79,047 </span><span class=\"S3BF0 S27E S2\" id=\"t39_174\">79,010 </span><span class=\"S3BF1 S27E S2\" id=\"t3a_174\">Deposits from customers </span><span class=\"S3BF2 S27E S2\" id=\"t3b_174\">25,188,805 </span><span class=\"S3BF3 S27E S2\" id=\"t3c_174\">25,056,412 </span><span class=\"S3BF4 S27E S2\" id=\"t3d_174\">21,068,644 </span><span class=\"S3BF5 S27E S2\" id=\"t3e_174\">21,002,125 </span><span class=\"S3BF6 S27E S2\" id=\"t3f_174\">Liabilities from issued securities </span><span class=\"S3BF7 S27E S2\" id=\"t3g_174\">870,682 </span><span class=\"S3BF8 S27E S2\" id=\"t3h_174\">743,907 </span><span class=\"S3BF9 S27E S2\" id=\"t3i_174\">436,325 </span><span class=\"S3BFA S27E S2\" id=\"t3j_174\">400,071 </span><span class=\"S3BFB S27E S2\" id=\"t3k_174\">Leasing liabilities </span><span class=\"S3BFC S27E S2\" id=\"t3l_174\">63,778 </span><span class=\"S3BFD S27E S2\" id=\"t3m_174\">63,791 </span><span class=\"S3BFE S27E S2\" id=\"t3n_174\">53,286 </span><span class=\"S3BFF S27E S2\" id=\"t3o_174\">53,447 </span><span class=\"S3C00 S27E S2\" id=\"t3p_174\">Other financial liabilities </span><span class=\"S3C01 S27E S2\" id=\"t3q_174\">645,652 </span><span class=\"S3C02 S27E S2\" id=\"t3r_174\">645,652 </span><span class=\"S3C03 S27E S2\" id=\"t3s_174\">485,771 </span><span class=\"S3C04 S27E S2\" id=\"t3t_174\">485,771 </span><span class=\"S3C05 S27E S2\" id=\"t3u_174\">Subordinated bonds and loans </span><span class=\"S3C06 S27E S2\" id=\"t3v_174\">301,984 </span><span class=\"S3C07 S27E S2\" id=\"t3w_174\">268,911 </span><span class=\"S3C08 S27E S2\" id=\"t3x_174\">278,334 </span><span class=\"S3C09 S27E S2\" id=\"t3y_174\">284,709 </span><span class=\"S3C0A S27D S2\" id=\"t3z_174\">Total liabilities not measured at fair value </span><span class=\"S3C0B S27D S2\" id=\"t40_174\">28,751,428 </span><span class=\"S3C0C S27D S2\" id=\"t41_174\">28,116,265 </span><span class=\"S3C0D S27D S2\" id=\"t42_174\">23,968,755 </span><span class=\"S3C0E S27D S2\" id=\"t43_174\">23,751,169 </span><span class=\"S3C0F S27E S2\" id=\"t44_174\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S3C10 S27E S2\" id=\"t45_174\">54,191 </span><span class=\"S3C11 S27E S2\" id=\"t46_174\">54,191 </span><span class=\"S3C12 S27E S2\" id=\"t47_174\">41,184 </span><span class=\"S3C13 S27E S2\" id=\"t48_174\">41,184 </span><span class=\"S3C14 S27E S2\" id=\"t49_174\">Held for trading derivative financial liabilities </span><span class=\"S3C15 S27E S2\" id=\"t4a_174\">385,747 </span><span class=\"S3C16 S27E S2\" id=\"t4b_174\">385,747 </span><span class=\"S3C17 S27E S2\" id=\"t4c_174\">202,716 </span><span class=\"S3C18 S27E S2\" id=\"t4d_174\">202,716 </span><span class=\"S3C19 S27E S2\" id=\"t4e_174\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S3C1A S27E S2\" id=\"t4f_174\">27,949 </span><span class=\"S3C1B S27E S2\" id=\"t4g_174\">27,949 </span><span class=\"S3C1C S27E S2\" id=\"t4h_174\">11,228 </span><span class=\"S3C1D S27E S2\" id=\"t4i_174\">11,228 </span><span class=\"S3C1E S27D S2\" id=\"t4j_174\">Total liabilities measured at fair value </span><span class=\"S3C1F S27D S2\" id=\"t4k_174\">467,887 </span><span class=\"S3C20 S27D S2\" id=\"t4l_174\">467,887 </span><span class=\"S3C21 S27D S2\" id=\"t4m_174\">255,128 </span><span class=\"S3C22 S27D S2\" id=\"t4n_174\">255,128 </span><span class=\"S3C23 S27D S2\" id=\"t4o_174\">Financial liabilities total </span><span class=\"S3C24 S27D S2\" id=\"t4p_174\">29,219,315 </span><span class=\"S3C25 S27D S2\" id=\"t4q_174\">28,584,152 </span><span class=\"S3C29 SB S2\" id=\"t5_175\">48.2.  Fair value of derivative instruments </span><span class=\"S3C2A SA7 S2\" id=\"t6_175\">The Group regularly enters into hedging transactions in order to decrease its financial risks. However some </span><span class=\"S3C2B SA7 S2\" id=\"t7_175\">economically hedging transaction do not meet the criteria to qualify as hedge accounting, therefore these </span><span class=\"S3C2C SA7 S2\" id=\"t8_175\">transactions were accounted for as derivatives held for trading. </span><span class=\"S3C2D SA7 S2\" id=\"t9_175\">The assessment of the hedge effectiveness (both for fair value hedges and cash flow hedges) to determine the </span><span class=\"S3C2E SA7 S2\" id=\"ta_175\">economic relationship between the hedged item and the hedging instrument is accomplished with prospective </span><span class=\"S3C2F SA7 S2\" id=\"tb_175\">scenario analysis via different rate shift scenarios of the relevant risk factor(s) of the hedged risk component(s). </span><span class=\"S3C30 SA7 S2\" id=\"tc_175\">The fair value change of the hedged item and the hedging instrument is compared in the different scenarios. </span><span class=\"S3C31 SA7 S2\" id=\"td_175\">Economic relationship is justified if the change of the fair value of the hedged item and the hedging instrument are </span><span class=\"S3358 SA7 S2\" id=\"te_175\">in the opposite direction and the absolute changes are similar amounts. The hedge ratio is determined as the ratio </span><span class=\"S3C32 SA7 S2\" id=\"tf_175\">of the notional of the hedged item and the notional of the hedging instrument. The sources of hedge ineffectiveness </span><span class=\"S3C33 SA7 S2\" id=\"tg_175\">are the not hedged risk components (e.g. change of cross currency basis spreads in case of interest rate risk hedges), </span><span class=\"S3C34 SA7 S2\" id=\"th_175\">slight differences in maturity dates and interest payment dates in case of fair value hedges, and differences between </span><span class=\"S3C35 SA7 S2\" id=\"ti_175\">the carrying amount of the hedged item and the carrying amount of the hedging instrument in case of FX hedges </span><span class=\"S976 SA7 S2\" id=\"tj_175\">(e.g. caused by interest rate risk components in the fair value of the hedging instrument). </span><span class=\"S3C36 SA7 S2\" id=\"tk_175\">The summary of the derivatives held for trading and derivatives designated as hedge accounting of the Group are </span><span class=\"S3C37 SA7 S2\" id=\"tl_175\">as follows: </span><span class=\"S3B80 SB S2\" id=\"t5_176\">48.2. </span><span class=\"S3C38 SB S2\" id=\"t6_176\">Fair value of derivative instruments [continued] </span><span class=\"S3C39 S27D S2\" id=\"t7_176\">2022 </span><span class=\"S3C3A S27D S2\" id=\"t8_176\">2021 </span><span class=\"S3C3B S27D S2\" id=\"t9_176\">Before netting </span><span class=\"S3C3C S27D S2\" id=\"ta_176\">Netting </span><span class=\"S3C3D S27D S2\" id=\"tb_176\">After netting </span><span class=\"S3C3E S27D S2\" id=\"tc_176\">Before netting </span><span class=\"S3C3F S27D S2\" id=\"td_176\">Netting </span><span class=\"S3C40 S27D S2\" id=\"te_176\">After netting </span><span class=\"S3C41 S27D S2\" id=\"tf_176\">Assets </span><span class=\"S3C42 S27D S2\" id=\"tg_176\">Liabilities </span><span class=\"S3C43 S27D S2\" id=\"th_176\">Assets </span><span class=\"S3C44 S27D S2\" id=\"ti_176\">Liabilities </span><span class=\"S3C45 S27D S2\" id=\"tj_176\">Assets </span><span class=\"S3C46 S27D S2\" id=\"tk_176\">Liabilities </span><span class=\"S3C47 S27D S2\" id=\"tl_176\">Assets </span><span class=\"S3C48 S27D S2\" id=\"tm_176\">Liabilities </span><span class=\"S3C49 S27D S2\" id=\"tn_176\">Held for trading derivative financial </span><span class=\"S3C4A S27D S2\" id=\"to_176\">instruments </span><span class=\"S3C4B S27D S2\" id=\"tp_176\">Interest rate derivatives </span><span class=\"S3C4C S27E S2\" id=\"tq_176\">Interest rate swaps </span><span class=\"S3C4D S27E S2\" id=\"tr_176\">165,478 </span><span class=\"S3C4E S27E S2\" id=\"ts_176\">(171,706) </span><span class=\"S3C4F S27E S2\" id=\"tt_176\">155,468 </span><span class=\"S3C50 S27E S2\" id=\"tu_176\">10,010 </span><span class=\"S3C51 S27E S2\" id=\"tv_176\">(16,238) </span><span class=\"S3C52 S27E S2\" id=\"tw_176\">58,512 </span><span class=\"S3C53 S27E S2\" id=\"tx_176\">(56,070) </span><span class=\"S3C54 S27E S2\" id=\"ty_176\">40,783 </span><span class=\"S3C55 S27E S2\" id=\"tz_176\">17,729 </span><span class=\"S3C56 S27E S2\" id=\"t10_176\">(15,287) </span><span class=\"S3C57 S27E S2\" id=\"t11_176\">Cross currency interest rate swaps </span><span class=\"S3C58 S27E S2\" id=\"t12_176\">11,332 </span><span class=\"S3C59 S27E S2\" id=\"t13_176\">(12,139) </span><span class=\"S3C5A S27E S2\" id=\"t14_176\">- </span><span class=\"S3C5B S27E S2\" id=\"t15_176\">11,332 </span><span class=\"S3C5C S27E S2\" id=\"t16_176\">(12,139) </span><span class=\"S3C5D S27E S2\" id=\"t17_176\">7,316 </span><span class=\"S3C5E S27E S2\" id=\"t18_176\">(7,621) </span><span class=\"S3C5F S27E S2\" id=\"t19_176\">- </span><span class=\"S3C60 S27E S2\" id=\"t1a_176\">7,316 </span><span class=\"S3C61 S27E S2\" id=\"t1b_176\">(7,621) </span><span class=\"S3C62 S27E S2\" id=\"t1c_176\">OTC options </span><span class=\"S3C63 S27E S2\" id=\"t1d_176\">1,074 </span><span class=\"S3C64 S27E S2\" id=\"t1e_176\">(1,069) </span><span class=\"S3C65 S27E S2\" id=\"t1f_176\">- </span><span class=\"S3C66 S27E S2\" id=\"t1g_176\">1,074 </span><span class=\"S3C67 S27E S2\" id=\"t1h_176\">(1,069) </span><span class=\"S3C68 S27E S2\" id=\"t1i_176\">484 </span><span class=\"S3C69 S27E S2\" id=\"t1j_176\">(299) </span><span class=\"S3C6A S27E S2\" id=\"t1k_176\">- </span><span class=\"S3C6B S27E S2\" id=\"t1l_176\">484 </span><span class=\"S3C6C S27E S2\" id=\"t1m_176\">(299) </span><span class=\"S3C6D S27E S2\" id=\"t1n_176\">Forward rate agreement </span><span class=\"S3C6E S27E S2\" id=\"t1o_176\">505 </span><span class=\"S3C6F S27E S2\" id=\"t1p_176\">(3) </span><span class=\"S3C70 S27E S2\" id=\"t1q_176\">505 </span><span class=\"S3C71 S27E S2\" id=\"t1r_176\">- </span><span class=\"S3C72 S27E S2\" id=\"t1s_176\">502 </span><span class=\"S3C73 S27E S2\" id=\"t1t_176\">- </span><span class=\"S3C74 S27E S2\" id=\"t1u_176\">- </span><span class=\"S3C75 S27E S2\" id=\"t1v_176\">- </span><span class=\"S3C76 S27E S2\" id=\"t1w_176\">- </span><span class=\"S3C77 S27E S2\" id=\"t1x_176\">- </span><span class=\"S3C78 S27D S2\" id=\"t1y_176\">Total interest rate derivatives (OTC derivatives) </span><span class=\"S3C79 S27D S2\" id=\"t1z_176\">178,389 </span><span class=\"S3C7A S27D S2\" id=\"t20_176\">(184,917) </span><span class=\"S3C7B S27D S2\" id=\"t21_176\">155,973 </span><span class=\"S3C7C S27D S2\" id=\"t22_176\">22,416 </span><span class=\"S3C7D S27D S2\" id=\"t23_176\">(28,944) </span><span class=\"S3C7E S27D S2\" id=\"t24_176\">66,312 </span><span class=\"S3C7F S27D S2\" id=\"t25_176\">(63,990) </span><span class=\"S3C80 S27D S2\" id=\"t26_176\">40,783 </span><span class=\"S3C81 S27D S2\" id=\"t27_176\">25,529 </span><span class=\"S3C82 S27D S2\" id=\"t28_176\">(23,207) </span><span class=\"S3C83 S27D S2\" id=\"t29_176\">Foreign exchange derivatives </span><span class=\"S3C84 S27E S2\" id=\"t2a_176\">Foreign exchange swaps </span><span class=\"S3C85 S27E S2\" id=\"t2b_176\">76,881 </span><span class=\"S3C86 S27E S2\" id=\"t2c_176\">(72,959) </span><span class=\"S3C87 S27E S2\" id=\"t2d_176\">- </span><span class=\"S3C88 S27E S2\" id=\"t2e_176\">76,881 </span><span class=\"S3C89 S27E S2\" id=\"t2f_176\">(72,959) </span><span class=\"S3C8A S27E S2\" id=\"t2g_176\">37,638 </span><span class=\"S3C8B S27E S2\" id=\"t2h_176\">(42,272) </span><span class=\"S3C8C S27E S2\" id=\"t2i_176\">- </span><span class=\"S3C8D S27E S2\" id=\"t2j_176\">37,638 </span><span class=\"S3C8E S27E S2\" id=\"t2k_176\">(42,272) </span><span class=\"S3C8F S27E S2\" id=\"t2l_176\">Foreign exchange forward contracts </span><span class=\"S3C90 S27E S2\" id=\"t2m_176\">13,085 </span><span class=\"S3C91 S27E S2\" id=\"t2n_176\">(13,740) </span><span class=\"S3C92 S27E S2\" id=\"t2o_176\">- </span><span class=\"S3C93 S27E S2\" id=\"t2p_176\">13,085 </span><span class=\"S3C94 S27E S2\" id=\"t2q_176\">(13,740) </span><span class=\"S3C95 S27E S2\" id=\"t2r_176\">10,790 </span><span class=\"S3C96 S27E S2\" id=\"t2s_176\">(7,738) </span><span class=\"S3C97 S27E S2\" id=\"t2t_176\">- </span><span class=\"S3C98 S27E S2\" id=\"t2u_176\">10,790 </span><span class=\"S3C99 S27E S2\" id=\"t2v_176\">(7,738) </span><span class=\"S3C9A S27E S2\" id=\"t2w_176\">OTC options </span><span class=\"S3C9B S27E S2\" id=\"t2x_176\">1,048 </span><span class=\"S3C9C S27E S2\" id=\"t2y_176\">(822) </span><span class=\"S3C9D S27E S2\" id=\"t2z_176\">- </span><span class=\"S3C9E S27E S2\" id=\"t30_176\">1,048 </span><span class=\"S3C9F S27E S2\" id=\"t31_176\">(822) </span><span class=\"S3CA0 S27E S2\" id=\"t32_176\">801 </span><span class=\"S3CA1 S27E S2\" id=\"t33_176\">(180) </span><span class=\"S3CA2 S27E S2\" id=\"t34_176\">- </span><span class=\"S3CA3 S27E S2\" id=\"t35_176\">801 </span><span class=\"S3CA4 S27E S2\" id=\"t36_176\">(180) </span><span class=\"S3CA5 S27E S2\" id=\"t37_176\">Foreign exchange spot conversion </span><span class=\"S3CA6 S27E S2\" id=\"t38_176\">177 </span><span class=\"S3CA7 S27E S2\" id=\"t39_176\">(177) </span><span class=\"S3CA8 S27E S2\" id=\"t3a_176\">- </span><span class=\"S3CA9 S27E S2\" id=\"t3b_176\">177 </span><span class=\"S3CAA S27E S2\" id=\"t3c_176\">(177) </span><span class=\"S3CAB S27E S2\" id=\"t3d_176\">187 </span><span class=\"S3CAC S27E S2\" id=\"t3e_176\">(242) </span><span class=\"S3CAD S27E S2\" id=\"t3f_176\">- </span><span class=\"S3CAE S27E S2\" id=\"t3g_176\">187 </span><span class=\"S3CAF S27E S2\" id=\"t3h_176\">(242) </span><span class=\"S3CB0 S27D S2\" id=\"t3i_176\">Total foreign exchange derivatives </span><span class=\"S3CB1 S27D S2\" id=\"t3j_176\">(OTC derivatives) </span><span class=\"S3CB2 S27D S2\" id=\"t3k_176\">91,191 </span><span class=\"S3CB3 S27D S2\" id=\"t3l_176\">(87,698) </span><span class=\"S3CB4 S27D S2\" id=\"t3m_176\">- </span><span class=\"S3CB5 S27D S2\" id=\"t3n_176\">91,191 </span><span class=\"S3CB6 S27D S2\" id=\"t3o_176\">(87,698) </span><span class=\"S3CB7 S27D S2\" id=\"t3p_176\">49,416 </span><span class=\"S3CB8 S27D S2\" id=\"t3q_176\">(50,432) </span><span class=\"S3CB9 S27D S2\" id=\"t3r_176\">- </span><span class=\"S3CBA S27D S2\" id=\"t3s_176\">49,416 </span><span class=\"S3CBB S27D S2\" id=\"t3t_176\">(50,432) </span><span class=\"S3CBC S27D S2\" id=\"t3u_176\">Equity stock and index derivatives </span><span class=\"S3CBD S27E S2\" id=\"t3v_176\">Commodity Swaps </span><span class=\"S3CBE S27E S2\" id=\"t3w_176\">33,693 </span><span class=\"S3CBF S27E S2\" id=\"t3x_176\">(31,632) </span><span class=\"S3CC0 S27E S2\" id=\"t3y_176\">- </span><span class=\"S3CC1 S27E S2\" id=\"t3z_176\">33,693 </span><span class=\"S3CC2 S27E S2\" id=\"t40_176\">(31,632) </span><span class=\"S3CC3 S27E S2\" id=\"t41_176\">51,523 </span><span class=\"S3CC4 S27E S2\" id=\"t42_176\">(51,508) </span><span class=\"S3CC5 S27E S2\" id=\"t43_176\">- </span><span class=\"S3CC6 S27E S2\" id=\"t44_176\">51,523 </span><span class=\"S3CC7 S27E S2\" id=\"t45_176\">(51,508) </span><span class=\"S3CC8 S27E S2\" id=\"t46_176\">Equity swaps </span><span class=\"S3CC9 S27E S2\" id=\"t47_176\">54 </span><span class=\"S3CCA S27E S2\" id=\"t48_176\">(702) </span><span class=\"S3CCB S27E S2\" id=\"t49_176\">- </span><span class=\"S3CCC S27E S2\" id=\"t4a_176\">54 </span><span class=\"S3CCD S27E S2\" id=\"t4b_176\">(702) </span><span class=\"S3CCE S27E S2\" id=\"t4c_176\">10,538 </span><span class=\"S3CCF S27E S2\" id=\"t4d_176\">(357) </span><span class=\"S3CD0 S27E S2\" id=\"t4e_176\">- </span><span class=\"S3CD1 S27E S2\" id=\"t4f_176\">10,538 </span><span class=\"S3CD2 S27E S2\" id=\"t4g_176\">(357) </span><span class=\"S3CD3 S27D S2\" id=\"t4h_176\">OTC derivatives total </span><span class=\"S3CD4 S27D S2\" id=\"t4i_176\">33,747 </span><span class=\"S3CD5 S27D S2\" id=\"t4j_176\">(32,334) </span><span class=\"S3CD6 S27D S2\" id=\"t4k_176\">- </span><span class=\"S3CD7 S27D S2\" id=\"t4l_176\">33,747 </span><span class=\"S3CD8 S27D S2\" id=\"t4m_176\">(32,334) </span><span class=\"S3CD9 S27D S2\" id=\"t4n_176\">62,061 </span><span class=\"S3CDA S27D S2\" id=\"t4o_176\">(51,865) </span><span class=\"S3CDB S27D S2\" id=\"t4p_176\">- </span><span class=\"S3CDC S27D S2\" id=\"t4q_176\">62,061 </span><span class=\"S3CDD S27D S2\" id=\"t4r_176\">(51,865) </span><span class=\"S3CDE S27E S2\" id=\"t4s_176\">Exchange traded futures and options </span><span class=\"S3CDF S27E S2\" id=\"t4t_176\">214 </span><span class=\"S3CE0 S27E S2\" id=\"t4u_176\">(1,887) </span><span class=\"S3CE1 S27E S2\" id=\"t4v_176\">- </span><span class=\"S3CE2 S27E S2\" id=\"t4w_176\">214 </span><span class=\"S3CE3 S27E S2\" id=\"t4x_176\">(1,887) </span><span class=\"S3CE4 S27E S2\" id=\"t4y_176\">171 </span><span class=\"S3CE5 S27E S2\" id=\"t4z_176\">(278) </span><span class=\"S3CE6 S27E S2\" id=\"t50_176\">- </span><span class=\"S3CE7 S27E S2\" id=\"t51_176\">171 </span><span class=\"S3CE8 S27E S2\" id=\"t52_176\">(278) </span><span class=\"S3CE9 S27D S2\" id=\"t53_176\">Total equity stock and index derivatives </span><span class=\"S3CEA S27D S2\" id=\"t54_176\">33,961 </span><span class=\"S3CEB S27D S2\" id=\"t55_176\">(34,221) </span><span class=\"S3CEC S27D S2\" id=\"t56_176\">- </span><span class=\"S3CED S27D S2\" id=\"t57_176\">33,961 </span><span class=\"S3CEE S27D S2\" id=\"t58_176\">(34,221) </span><span class=\"S3CEF S27D S2\" id=\"t59_176\">62,232 </span><span class=\"S3CF0 S27D S2\" id=\"t5a_176\">(52,143) </span><span class=\"S3CF1 S27D S2\" id=\"t5b_176\">- </span><span class=\"S3CF2 S27D S2\" id=\"t5c_176\">62,232 </span><span class=\"S3CF3 S27D S2\" id=\"t5d_176\">(52,143) </span><span class=\"S3CF4 S27D S2\" id=\"t5e_176\">Derivatives held for risk management </span><span class=\"S3CF5 S27D S2\" id=\"t5f_176\">not designated in hedge </span><span class=\"S3CF6 S27E S2\" id=\"t5g_176\">Interest rate swaps </span><span class=\"S3CF7 S27E S2\" id=\"t5h_176\">136,164 </span><span class=\"S3CF8 S27E S2\" id=\"t5i_176\">(239,975) </span><span class=\"S3CF9 S27E S2\" id=\"t5j_176\">18,944 </span><span class=\"S3CFA S27E S2\" id=\"t5k_176\">117,220 </span><span class=\"S3CFB S27E S2\" id=\"t5l_176\">(221,031) </span><span class=\"S3CFC S27E S2\" id=\"t5m_176\">47,457 </span><span class=\"S3CFD S27E S2\" id=\"t5n_176\">(78,340) </span><span class=\"S3CFE S27E S2\" id=\"t5o_176\">5,682 </span><span class=\"S3CFF S27E S2\" id=\"t5p_176\">41,775 </span><span class=\"S3D00 S27E S2\" id=\"t5q_176\">(72,658) </span><span class=\"S3D01 S27E S2\" id=\"t5r_176\">Foreign exchange swaps </span><span class=\"S3D02 S27E S2\" id=\"t5s_176\">2,514 </span><span class=\"S3D03 S27E S2\" id=\"t5t_176\">(10,190) </span><span class=\"S3D04 S27E S2\" id=\"t5u_176\">- </span><span class=\"S3D05 S27E S2\" id=\"t5v_176\">2,514 </span><span class=\"S3D06 S27E S2\" id=\"t5w_176\">(10,190) </span><span class=\"S3D07 S27E S2\" id=\"t5x_176\">1,090 </span><span class=\"S3D08 S27E S2\" id=\"t5y_176\">(4,108) </span><span class=\"S3D09 S27E S2\" id=\"t5z_176\">- </span><span class=\"S3D0A S27E S2\" id=\"t60_176\">1,090 </span><span class=\"S3D0B S27E S2\" id=\"t61_176\">(4,108) </span><span class=\"S3D0C S27E S2\" id=\"t62_176\">Foreign exchange spot </span><span class=\"S3D0D S27E S2\" id=\"t63_176\">- </span><span class=\"S3D0E S27E S2\" id=\"t64_176\">(43) </span><span class=\"S3D0F S27E S2\" id=\"t65_176\">- </span><span class=\"S3D10 S27E S2\" id=\"t66_176\">- </span><span class=\"S3D11 S27E S2\" id=\"t67_176\">(43) </span><span class=\"S3D12 S27E S2\" id=\"t68_176\">- </span><span class=\"S3D13 S27E S2\" id=\"t69_176\">- </span><span class=\"S3D14 S27E S2\" id=\"t6a_176\">- </span><span class=\"S3D15 S27E S2\" id=\"t6b_176\">- </span><span class=\"S3D16 S27E S2\" id=\"t6c_176\">- </span><span class=\"S3D17 S27E S2\" id=\"t6d_176\">Cross currency interest rate swaps </span><span class=\"S3D18 S27E S2\" id=\"t6e_176\">9,180 </span><span class=\"S3D19 S27E S2\" id=\"t6f_176\">(3,620) </span><span class=\"S3D1A S27E S2\" id=\"t6g_176\">- </span><span class=\"S3D1B S27E S2\" id=\"t6h_176\">9,180 </span><span class=\"S3D1C S27E S2\" id=\"t6i_176\">(3,620) </span><span class=\"S3D1D S27E S2\" id=\"t6j_176\">4,442 </span><span class=\"S3D1E S27E S2\" id=\"t6k_176\">(168) </span><span class=\"S3D1F S27E S2\" id=\"t6l_176\">- </span><span class=\"S3D20 S27E S2\" id=\"t6m_176\">4,442 </span><span class=\"S3D21 S27E S2\" id=\"t6n_176\">(168) </span><span class=\"S3D22 S27D S2\" id=\"t6o_176\">Total derivatives held for risk </span><span class=\"S3D23 S27D S2\" id=\"t6p_176\">management not designated in hedge </span><span class=\"S3D24 S27D S2\" id=\"t6q_176\">147,858 </span><span class=\"S3D25 S27D S2\" id=\"t6r_176\">(253,828) </span><span class=\"S3D26 S27D S2\" id=\"t6s_176\">18,944 </span><span class=\"S3D27 S27D S2\" id=\"t6t_176\">128,914 </span><span class=\"S3D28 S27D S2\" id=\"t6u_176\">(234,884) </span><span class=\"S3D29 S27D S2\" id=\"t6v_176\">52,989 </span><span class=\"S3D2A S27D S2\" id=\"t6w_176\">(82,616) </span><span class=\"S3D2B S27D S2\" id=\"t6x_176\">5,682 </span><span class=\"S3D2C S27D S2\" id=\"t6y_176\">47,307 </span><span class=\"S3D2D S27D S2\" id=\"t6z_176\">(76,934) </span><span class=\"S3D2E S27D S2\" id=\"t70_176\">Total held for trading derivative </span><span class=\"S3D2F S27D S2\" id=\"t71_176\">financial instruments </span><span class=\"S3D30 S27D S2\" id=\"t72_176\">451,399 </span><span class=\"S3D31 S27D S2\" id=\"t73_176\">(560,664) </span><span class=\"S3D32 S27D S2\" id=\"t74_176\">174,917 </span><span class=\"S3D33 S27D S2\" id=\"t75_176\">276,482 </span><span class=\"S3D34 S27D S2\" id=\"t76_176\">(385,747) </span><span class=\"S3D35 S27D S2\" id=\"t77_176\">230,949 </span><span class=\"S3D36 S27D S2\" id=\"t78_176\">(249,181) </span><span class=\"S3D37 S27D S2\" id=\"t79_176\">46,465 </span><span class=\"S3D38 S27D S2\" id=\"t7a_176\">184,484 </span><span class=\"S3D39 S27D S2\" id=\"t7b_176\">(202,716) </span><span class=\"S3D3B SB S2\" id=\"t5_177\">48.2.  Fair value of derivative instruments [continued] </span><span class=\"S3D3C S27D S2\" id=\"t6_177\">2022 </span><span class=\"S3D3D S27D S2\" id=\"t7_177\">2021 </span><span class=\"S3D3E S27D S2\" id=\"t8_177\">Before netting </span><span class=\"S3D3F S27D S2\" id=\"t9_177\">Netting </span><span class=\"S3D40 S27D S2\" id=\"ta_177\">After netting </span><span class=\"S3D41 S27D S2\" id=\"tb_177\">Before netting </span><span class=\"S3D42 S27D S2\" id=\"tc_177\">Netting </span><span class=\"S3D43 S27D S2\" id=\"td_177\">After netting </span><span class=\"S3D44 S27D S2\" id=\"te_177\">Assets </span><span class=\"S3D45 S27D S2\" id=\"tf_177\">Liabilities </span><span class=\"S3D46 S27D S2\" id=\"tg_177\">Assets </span><span class=\"S3D47 S27D S2\" id=\"th_177\">Liabilities </span><span class=\"S3D48 S27D S2\" id=\"ti_177\">Assets </span><span class=\"S3D49 S27D S2\" id=\"tj_177\">Liabilities </span><span class=\"S3D4A S27D S2\" id=\"tk_177\">Assets </span><span class=\"S3D4B S27D S2\" id=\"tl_177\">Liabilities </span><span class=\"S3D4C S27D S2\" id=\"tm_177\">Derivative financial instruments designated </span><span class=\"S3D4D S27D S2\" id=\"tn_177\">as hedge accounting </span><span class=\"S3D4E S27D S2\" id=\"to_177\">Derivatives designated in cash flow hedges </span><span class=\"S3D4F S27E S2\" id=\"tp_177\">Interest rate swaps </span><span class=\"S3D50 S27E S2\" id=\"tq_177\">2,651 </span><span class=\"S3D51 S27E S2\" id=\"tr_177\">(2,651) </span><span class=\"S3D52 S27E S2\" id=\"ts_177\">2,651 </span><span class=\"S3D53 S27E S2\" id=\"tt_177\">- </span><span class=\"S3D54 S27E S2\" id=\"tu_177\">- </span><span class=\"S3D55 S27E S2\" id=\"tv_177\">1,020 </span><span class=\"S3D56 S27E S2\" id=\"tw_177\">(1,020) </span><span class=\"S3D57 S27E S2\" id=\"tx_177\">1,020 </span><span class=\"S3D58 S27E S2\" id=\"ty_177\">- </span><span class=\"S3D59 S27E S2\" id=\"tz_177\">- </span><span class=\"S3D5A S27D S2\" id=\"t10_177\">Total derivatives designated in cash flow hedges </span><span class=\"S3D5B S27D S2\" id=\"t11_177\">2,651 </span><span class=\"S3D5C S27D S2\" id=\"t12_177\">(2,651) </span><span class=\"S3D5D S27D S2\" id=\"t13_177\">2,651 </span><span class=\"S3D5E S27D S2\" id=\"t14_177\">- </span><span class=\"S3D5F S27D S2\" id=\"t15_177\">- </span><span class=\"S3D60 S27D S2\" id=\"t16_177\">1,020 </span><span class=\"S3D61 S27D S2\" id=\"t17_177\">(1,020) </span><span class=\"S3D62 S27D S2\" id=\"t18_177\">1,020 </span><span class=\"S3D63 S27D S2\" id=\"t19_177\">- </span><span class=\"S3D64 S27D S2\" id=\"t1a_177\">- </span><span class=\"S3D65 S27D S2\" id=\"t1b_177\">Derivatives designated in fair value hedges </span><span class=\"S3D66 S27E S2\" id=\"t1c_177\">Interest rate swaps </span><span class=\"S3D67 S27E S2\" id=\"t1d_177\">56,757 </span><span class=\"S3D68 S27E S2\" id=\"t1e_177\">(37,290) </span><span class=\"S3D69 S27E S2\" id=\"t1f_177\">30,938 </span><span class=\"S3D6A S27E S2\" id=\"t1g_177\">25,819 </span><span class=\"S3D6B S27E S2\" id=\"t1h_177\">(6,352) </span><span class=\"S3D6C S27E S2\" id=\"t1i_177\">25,417 </span><span class=\"S3D6D S27E S2\" id=\"t1j_177\">(17,908) </span><span class=\"S3D6E S27E S2\" id=\"t1k_177\">12,131 </span><span class=\"S3D6F S27E S2\" id=\"t1l_177\">13,286 </span><span class=\"S3D70 S27E S2\" id=\"t1m_177\">(5,777) </span><span class=\"S3D71 S27E S2\" id=\"t1n_177\">Cross currency interest rate swaps </span><span class=\"S3D72 S27E S2\" id=\"t1o_177\">20,732 </span><span class=\"S3D73 S27E S2\" id=\"t1p_177\">(5,398) </span><span class=\"S3D74 S27E S2\" id=\"t1q_177\">- </span><span class=\"S3D75 S27E S2\" id=\"t1r_177\">20,732 </span><span class=\"S3D76 S27E S2\" id=\"t1s_177\">(5,398) </span><span class=\"S3D77 S27E S2\" id=\"t1t_177\">5,471 </span><span class=\"S3D78 S27E S2\" id=\"t1u_177\">(5,451) </span><span class=\"S3D79 S27E S2\" id=\"t1v_177\">- </span><span class=\"S3D7A S27E S2\" id=\"t1w_177\">5,471 </span><span class=\"S3D7B S27E S2\" id=\"t1x_177\">(5,451) </span><span class=\"S3D7C S27E S2\" id=\"t1y_177\">Foreign exchange swaps </span><span class=\"S3D7D S27E S2\" id=\"t1z_177\">1,696 </span><span class=\"S3D7E S27E S2\" id=\"t20_177\">(16,199) </span><span class=\"S3D7F S27E S2\" id=\"t21_177\">- </span><span class=\"S3D80 S27E S2\" id=\"t22_177\">1,696 </span><span class=\"S3D81 S27E S2\" id=\"t23_177\">(16,199) </span><span class=\"S3D82 S27E S2\" id=\"t24_177\">- </span><span class=\"S3D83 S27E S2\" id=\"t25_177\">- </span><span class=\"S3D84 S27E S2\" id=\"t26_177\">- </span><span class=\"S3D85 S27E S2\" id=\"t27_177\">- </span><span class=\"S3D86 S27E S2\" id=\"t28_177\">- </span><span class=\"S3D87 S27D S2\" id=\"t29_177\">Total derivatives designated in fair value hedges </span><span class=\"S3D88 S27D S2\" id=\"t2a_177\">79,185 </span><span class=\"S3D89 S27D S2\" id=\"t2b_177\">(58,887) </span><span class=\"S3D8A S27D S2\" id=\"t2c_177\">30,938 </span><span class=\"S3D8B S27D S2\" id=\"t2d_177\">48,247 </span><span class=\"S3D8C S27D S2\" id=\"t2e_177\">(27,949) </span><span class=\"S3D8D S27D S2\" id=\"t2f_177\">30,888 </span><span class=\"S3D8E S27D S2\" id=\"t2g_177\">(23,359) </span><span class=\"S3D8F S27D S2\" id=\"t2h_177\">12,131 </span><span class=\"S3D90 S27D S2\" id=\"t2i_177\">18,757 </span><span class=\"S3D91 S27D S2\" id=\"t2j_177\">(11,228) </span><span class=\"S3D92 S27D S2\" id=\"t2k_177\">Total derivatives held for risk management </span><span class=\"S3D93 S27D S2\" id=\"t2l_177\">(OTC derivatives) </span><span class=\"S3D94 S27D S2\" id=\"t2m_177\">81,836 </span><span class=\"S3D95 S27D S2\" id=\"t2n_177\">(61,538) </span><span class=\"S3D96 S27D S2\" id=\"t2o_177\">33,589 </span><span class=\"S3D97 S27D S2\" id=\"t2p_177\">48,247 </span><span class=\"S3D98 S27D S2\" id=\"t2q_177\">(27,949) </span><span class=\"S3D99 S27D S2\" id=\"t2r_177\">31,908 </span><span class=\"S3D9A S27D S2\" id=\"t2s_177\">(24,379) </span><span class=\"S3D9B S27D S2\" id=\"t2t_177\">13,151 </span><span class=\"S3D9C S27D S2\" id=\"t2u_177\">18,757 </span><span class=\"S3D9D S27D S2\" id=\"t2v_177\">(11,228) </span><span class=\"S3D9E SB S2\" id=\"t5_178\">48.3.  Types of hedge accounting </span><span class=\"S3D9F SA7 S2\" id=\"t6_178\">Interest rate risk management is centralized at the Group. Interest rate risk exposures in major currencies are </span><span class=\"S3DA0 SA7 S2\" id=\"t7_178\">managed at OTP Headquarter on a consolidated level. Although risk exposures in local currencies are managed at </span><span class=\"S3DA1 SA7 S2\" id=\"t8_178\">subsidiary level, the respective decisions are subject to Headquarter ALCO approval. Interest rate risk is measured </span><span class=\"S3DA2 SA7 S2\" id=\"t9_178\">by simulating NII and EVE under different stress and plan scenarios, the established risk limits are described in </span><span class=\"S3DA3 S5B9 S2\" id=\"ta_178\">\u201eOTP Bank\u2019s Group</span><span class=\"S3DA4 SA7 S2\" id=\"tb_178\">-Level Regulations on the Management of Liquidity Risk and Interest Rate Risk of Banking </span><span class=\"S24F9 S5B9 S2\" id=\"tc_178\">Book\u201d. The interest rate risk management activity aims to stabilize NII within the approved risk </span><span class=\"S3DA5 SA7 S2\" id=\"td_178\">limits </span><span class=\"S3DA6 SA7 S2\" id=\"te_178\">The risk management objective of these hedge relationships is to mitigate the risk of clean fair value (i.e. excluding </span><span class=\"S5C4 SA7 S2\" id=\"tf_178\">accrued interest) change of MIRS loans due to the change of interest rate reference indices (BUBOR, EURIBOR, </span><span class=\"S3DA7 SA7 S2\" id=\"tg_178\">LIBOR, etc.) of the respective currency. </span><span class=\"S3DA8 SA7 S2\" id=\"th_178\">The ineffective part of fair value hedge accounting is presented on Interest income / Interest expense in the </span><span class=\"S18B5 SA7 S2\" id=\"ti_178\">Consolidated Statement of Profit or Loss. </span><span class=\"S3B80 SB S2\" id=\"t5_179\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_179\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_179\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_179\">\u2013 </span><span class=\"S3DAD SB S2\" id=\"t9_179\">hedging instruments as at 31 December 2022 (in fx million) </span><span class=\"S3DAE S27D S2\" id=\"ta_179\">Type of hedge </span><span class=\"S3DAF S27D S2\" id=\"tb_179\">Type of risk </span><span class=\"S3DB0 S27D S2\" id=\"tc_179\">Type of instrument </span><span class=\"S3DB1 S27D S2\" id=\"td_179\">Within one </span><span class=\"S3DB2 S27D S2\" id=\"te_179\">month </span><span class=\"S3DB3 S27D S2\" id=\"tf_179\">Within three </span><span class=\"S3DB4 S27D S2\" id=\"tg_179\">months and </span><span class=\"S3DB5 S27D S2\" id=\"th_179\">over one </span><span class=\"S3DB6 S27D S2\" id=\"ti_179\">month </span><span class=\"S3DB7 S27D S2\" id=\"tj_179\">Within one </span><span class=\"S3DB8 S27D S2\" id=\"tk_179\">year and over </span><span class=\"S3DB9 S27D S2\" id=\"tl_179\">three months </span><span class=\"S3DBA S27D S2\" id=\"tm_179\">Within five </span><span class=\"S3DBB S27D S2\" id=\"tn_179\">years and </span><span class=\"S3DBC S27D S2\" id=\"to_179\">over one year </span><span class=\"S3DBD S27D S2\" id=\"tp_179\">More than </span><span class=\"S3DBE S27D S2\" id=\"tq_179\">five years </span><span class=\"S3DBF S27D S2\" id=\"tr_179\">Total </span><span class=\"S3DC0 S27D S2\" id=\"ts_179\">Fair Value </span><span class=\"S3DC1 S27D S2\" id=\"tt_179\">Hedge </span><span class=\"S3DC2 S27D S2\" id=\"tu_179\">Interest rate </span><span class=\"S3DC3 S27D S2\" id=\"tv_179\">risk </span><span class=\"S3DC4 S27D S2\" id=\"tw_179\">Interest rate swap </span><span class=\"S3DC5 S27E S2\" id=\"tx_179\">HUF </span><span class=\"S3DC6 S27E S2\" id=\"ty_179\">Notional </span><span class=\"S3DC7 S27E S2\" id=\"tz_179\">- </span><span class=\"S3DC8 S27E S2\" id=\"t10_179\">- </span><span class=\"S3DC9 S27E S2\" id=\"t11_179\">- </span><span class=\"S3DCA S27E S2\" id=\"t12_179\">(64,875) </span><span class=\"S3DCB S27E S2\" id=\"t13_179\">30,300 </span><span class=\"S3DCC S27D S2\" id=\"t14_179\">(34,575) </span><span class=\"S3DCD S27E S2\" id=\"t15_179\">Average Interest Rate (%) </span><span class=\"S3DCE S27E S2\" id=\"t16_179\">- </span><span class=\"S3DCF S27E S2\" id=\"t17_179\">- </span><span class=\"S3DD0 S27E S2\" id=\"t18_179\">- </span><span class=\"S3DD1 S27E S2\" id=\"t19_179\">7.15% </span><span class=\"S3DD2 S27E S2\" id=\"t1a_179\">1.40% </span><span class=\"S3DD3 S27E S2\" id=\"t1b_179\">EUR </span><span class=\"S3DD4 S27E S2\" id=\"t1c_179\">Notional </span><span class=\"S3DD5 S27E S2\" id=\"t1d_179\">- </span><span class=\"S3DD6 S27E S2\" id=\"t1e_179\">- </span><span class=\"S3DD7 S27E S2\" id=\"t1f_179\">101 </span><span class=\"S3DD8 S27E S2\" id=\"t1g_179\">10 </span><span class=\"S3DD9 S27E S2\" id=\"t1h_179\">50 </span><span class=\"S3DDA S27D S2\" id=\"t1i_179\">161 </span><span class=\"S3DDB S27E S2\" id=\"t1j_179\">Average Interest Rate (%) </span><span class=\"S3DDC S27E S2\" id=\"t1k_179\">- </span><span class=\"S3DDD S27E S2\" id=\"t1l_179\">- </span><span class=\"S3DDE S27E S2\" id=\"t1m_179\">0.24% </span><span class=\"S3DDF S27E S2\" id=\"t1n_179\">0.22% </span><span class=\"S3DE0 S27E S2\" id=\"t1o_179\">0.05% </span><span class=\"S3DE1 S27E S2\" id=\"t1p_179\">USD </span><span class=\"S3DE2 S27E S2\" id=\"t1q_179\">Notional </span><span class=\"S3DE3 S27E S2\" id=\"t1r_179\">- </span><span class=\"S3DE4 S27E S2\" id=\"t1s_179\">90 </span><span class=\"S3DE5 S27E S2\" id=\"t1t_179\">- </span><span class=\"S3DE6 S27E S2\" id=\"t1u_179\">29 </span><span class=\"S3DE7 S27E S2\" id=\"t1v_179\">47 </span><span class=\"S3DE8 S27D S2\" id=\"t1w_179\">166 </span><span class=\"S3DE9 S27E S2\" id=\"t1x_179\">Average Interest Rate (%) </span><span class=\"S3DEA S27E S2\" id=\"t1y_179\">- </span><span class=\"S3DEB S27E S2\" id=\"t1z_179\">2.60% </span><span class=\"S3DEC S27E S2\" id=\"t20_179\">- </span><span class=\"S3DED S27E S2\" id=\"t21_179\">2.35% </span><span class=\"S3DEE S27E S2\" id=\"t22_179\">4.18% </span><span class=\"S3DEF S27E S2\" id=\"t23_179\">JPY </span><span class=\"S3DF0 S27E S2\" id=\"t24_179\">Notional </span><span class=\"S3DF1 S27E S2\" id=\"t25_179\">- </span><span class=\"S3DF2 S27E S2\" id=\"t26_179\">- </span><span class=\"S3DF3 S27E S2\" id=\"t27_179\">- </span><span class=\"S3DF4 S27E S2\" id=\"t28_179\">4,500 </span><span class=\"S3DF5 S27E S2\" id=\"t29_179\">- </span><span class=\"S3DF6 S27D S2\" id=\"t2a_179\">4,500 </span><span class=\"S3DF7 S27E S2\" id=\"t2b_179\">Average Interest Rate (%) </span><span class=\"S3DF8 S27E S2\" id=\"t2c_179\">- </span><span class=\"S3DF9 S27E S2\" id=\"t2d_179\">- </span><span class=\"S3DFA S27E S2\" id=\"t2e_179\">- </span><span class=\"S3DFB S27E S2\" id=\"t2f_179\">0.22% </span><span class=\"S3DFC S27E S2\" id=\"t2g_179\">- </span><span class=\"S3DFD S27D S2\" id=\"t2h_179\">Fair Value </span><span class=\"S3DFE S27D S2\" id=\"t2i_179\">Hedge </span><span class=\"S3DFF S27D S2\" id=\"t2j_179\">Foreign </span><span class=\"S3E00 S27D S2\" id=\"t2k_179\">exchange &amp; </span><span class=\"S3E01 S27D S2\" id=\"t2l_179\">Interest rate </span><span class=\"S3E02 S27D S2\" id=\"t2m_179\">risk </span><span class=\"S3E03 S27D S2\" id=\"t2n_179\">Cross currency interest rate </span><span class=\"S3E04 S27D S2\" id=\"t2o_179\">swap </span><span class=\"S3E05 S27E S2\" id=\"t2p_179\">EUR/HUF </span><span class=\"S3E06 S27E S2\" id=\"t2q_179\">Notional </span><span class=\"S3E07 S27E S2\" id=\"t2r_179\">- </span><span class=\"S3E08 S27E S2\" id=\"t2s_179\">1 </span><span class=\"S3E09 S27E S2\" id=\"t2t_179\">2 </span><span class=\"S3E0A S27E S2\" id=\"t2u_179\">10 </span><span class=\"S3E0B S27E S2\" id=\"t2v_179\">11 </span><span class=\"S3E0C S27D S2\" id=\"t2w_179\">24 </span><span class=\"S3E0D S27E S2\" id=\"t2x_179\">Average Interest Rate (%) </span><span class=\"S3E0E S27E S2\" id=\"t2y_179\">(1.64%) </span><span class=\"S3E0F S27E S2\" id=\"t2z_179\">(1.68%) </span><span class=\"S3E10 S27E S2\" id=\"t30_179\">(1.68%) </span><span class=\"S3E11 S27E S2\" id=\"t31_179\">(1.71%) </span><span class=\"S3E12 S27E S2\" id=\"t32_179\">(1.82%) </span><span class=\"S3E13 S27E S2\" id=\"t33_179\">Average FX Rate </span><span class=\"S3E14 S27E S2\" id=\"t34_179\">310.41 </span><span class=\"S3E15 S27E S2\" id=\"t35_179\">310.17 </span><span class=\"S3E16 S27E S2\" id=\"t36_179\">310.20 </span><span class=\"S3E17 S27E S2\" id=\"t37_179\">309.74 </span><span class=\"S3E18 S27E S2\" id=\"t38_179\">307.71 </span><span class=\"S3B80 SB S2\" id=\"t5_180\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_180\">Types of hedge accounting [continued] </span><span class=\"S3E19 SB S2\" id=\"t7_180\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_180\">\u2013 </span><span class=\"S3E1A SB S2\" id=\"t9_180\">hedging instruments as at 31 December 2022 (in fx million) [continued] </span><span class=\"S3E1B S27D S2\" id=\"ta_180\">Type of hedge </span><span class=\"S3E1C S27D S2\" id=\"tb_180\">Type of risk </span><span class=\"S3E1D S27D S2\" id=\"tc_180\">Type of instrument </span><span class=\"S3E1E S27D S2\" id=\"td_180\">Within one </span><span class=\"S3E1F S27D S2\" id=\"te_180\">month </span><span class=\"S3E20 S27D S2\" id=\"tf_180\">Within three </span><span class=\"S3E21 S27D S2\" id=\"tg_180\">months and </span><span class=\"S3E22 S27D S2\" id=\"th_180\">over one </span><span class=\"S3E23 S27D S2\" id=\"ti_180\">month </span><span class=\"S3E24 S27D S2\" id=\"tj_180\">Within one </span><span class=\"S3E25 S27D S2\" id=\"tk_180\">year and over </span><span class=\"S3E26 S27D S2\" id=\"tl_180\">three months </span><span class=\"S3E27 S27D S2\" id=\"tm_180\">Within five </span><span class=\"S3E28 S27D S2\" id=\"tn_180\">years and </span><span class=\"S3E29 S27D S2\" id=\"to_180\">over one year </span><span class=\"S3E2A S27D S2\" id=\"tp_180\">More than </span><span class=\"S3E2B S27D S2\" id=\"tq_180\">five years </span><span class=\"S3E2C S27D S2\" id=\"tr_180\">Total </span><span class=\"S3E2D S27D S2\" id=\"ts_180\">Fair Value </span><span class=\"S3E2E S27D S2\" id=\"tt_180\">Hedge </span><span class=\"S3E2F S27D S2\" id=\"tu_180\">Foreign </span><span class=\"S3E30 S27D S2\" id=\"tv_180\">exchange risk </span><span class=\"S3E31 S27D S2\" id=\"tw_180\">Cross currency interest rate </span><span class=\"S3E32 S27D S2\" id=\"tx_180\">swap </span><span class=\"S3E33 S27E S2\" id=\"ty_180\">EUR/HUF </span><span class=\"S3E34 S27E S2\" id=\"tz_180\">Notional </span><span class=\"S3E35 S27E S2\" id=\"t10_180\">- </span><span class=\"S3E36 S27E S2\" id=\"t11_180\">(10) </span><span class=\"S3E37 S27E S2\" id=\"t12_180\">125 </span><span class=\"S3E38 S27E S2\" id=\"t13_180\">878 </span><span class=\"S3E39 S27E S2\" id=\"t14_180\">- </span><span class=\"S3E3A S27D S2\" id=\"t15_180\">993 </span><span class=\"S3E3B S27E S2\" id=\"t16_180\">Average FX Rate </span><span class=\"S3E3C S27E S2\" id=\"t17_180\">363.88 </span><span class=\"S3E3D S27E S2\" id=\"t18_180\">407.57 </span><span class=\"S3E3E S27E S2\" id=\"t19_180\">362.11 </span><span class=\"S3E3F S27E S2\" id=\"t1a_180\">373.88 </span><span class=\"S3E40 S27E S2\" id=\"t1b_180\">- </span><span class=\"S3E41 S27E S2\" id=\"t1c_180\">RON/HUF </span><span class=\"S3E42 S27E S2\" id=\"t1d_180\">Notional </span><span class=\"S3E43 S27E S2\" id=\"t1e_180\">- </span><span class=\"S3E44 S27E S2\" id=\"t1f_180\">- </span><span class=\"S3E45 S27E S2\" id=\"t1g_180\">400 </span><span class=\"S3E46 S27E S2\" id=\"t1h_180\">3,121 </span><span class=\"S3E47 S27E S2\" id=\"t1i_180\">- </span><span class=\"S3E48 S27D S2\" id=\"t1j_180\">3,521 </span><span class=\"S3E49 S27E S2\" id=\"t1k_180\">Average FX Rate </span><span class=\"S3E4A S27E S2\" id=\"t1l_180\">- </span><span class=\"S3E4B S27E S2\" id=\"t1m_180\">- </span><span class=\"S3E4C S27E S2\" id=\"t1n_180\">72.92 </span><span class=\"S3E4D S27E S2\" id=\"t1o_180\">75.08 </span><span class=\"S3E4E S27E S2\" id=\"t1p_180\">- </span><span class=\"S3E4F S27E S2\" id=\"t1q_180\">JPY/HUF </span><span class=\"S3E50 S27E S2\" id=\"t1r_180\">Notional </span><span class=\"S3E51 S27E S2\" id=\"t1s_180\">- </span><span class=\"S3E52 S27E S2\" id=\"t1t_180\">- </span><span class=\"S3E53 S27E S2\" id=\"t1u_180\">- </span><span class=\"S3E54 S27E S2\" id=\"t1v_180\">4,500 </span><span class=\"S3E55 S27E S2\" id=\"t1w_180\">- </span><span class=\"S3E56 S27D S2\" id=\"t1x_180\">4,500 </span><span class=\"S3E57 S27E S2\" id=\"t1y_180\">Average FX Rate </span><span class=\"S3E58 S27E S2\" id=\"t1z_180\">- </span><span class=\"S3E59 S27E S2\" id=\"t20_180\">- </span><span class=\"S3E5A S27E S2\" id=\"t21_180\">- </span><span class=\"S3E5B S27E S2\" id=\"t22_180\">2.79 </span><span class=\"S3E5C S27E S2\" id=\"t23_180\">- </span><span class=\"S3E5D S27E S2\" id=\"t24_180\">USD/HUF </span><span class=\"S3E5E S27E S2\" id=\"t25_180\">Notional </span><span class=\"S3E5F S27E S2\" id=\"t26_180\">- </span><span class=\"S3E60 S27E S2\" id=\"t27_180\">(7) </span><span class=\"S3E61 S27E S2\" id=\"t28_180\">144 </span><span class=\"S3E62 S27E S2\" id=\"t29_180\">146 </span><span class=\"S3E63 S27E S2\" id=\"t2a_180\">- </span><span class=\"S3E64 S27D S2\" id=\"t2b_180\">283 </span><span class=\"S3E65 S27E S2\" id=\"t2c_180\">Average FX Rate </span><span class=\"S3E66 S27E S2\" id=\"t2d_180\">- </span><span class=\"S3E67 S27E S2\" id=\"t2e_180\">323.77 </span><span class=\"S3E68 S27E S2\" id=\"t2f_180\">323.77 </span><span class=\"S3E69 S27E S2\" id=\"t2g_180\">323.77 </span><span class=\"S3E6A S27E S2\" id=\"t2h_180\">- </span><span class=\"S3B80 SB S2\" id=\"t5_182\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_182\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_182\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_182\">\u2013 </span><span class=\"S3E1A SB S2\" id=\"t9_182\">hedging instruments as at 31 December 2021 (in fx million) [continued] </span><span class=\"S3E6C S27D S2\" id=\"ta_182\">Type of hedge </span><span class=\"S3E6D S27D S2\" id=\"tb_182\">Type of risk </span><span class=\"S3E6E S27D S2\" id=\"tc_182\">Type of instrument </span><span class=\"S3E6F S27D S2\" id=\"td_182\">Within one </span><span class=\"S3E70 S27D S2\" id=\"te_182\">month </span><span class=\"S3E71 S27D S2\" id=\"tf_182\">Within three </span><span class=\"S3E72 S27D S2\" id=\"tg_182\">months and </span><span class=\"S3E73 S27D S2\" id=\"th_182\">over one </span><span class=\"S3E74 S27D S2\" id=\"ti_182\">month </span><span class=\"S3E75 S27D S2\" id=\"tj_182\">Within one </span><span class=\"S3E76 S27D S2\" id=\"tk_182\">year and over </span><span class=\"S3E77 S27D S2\" id=\"tl_182\">three months </span><span class=\"S3E78 S27D S2\" id=\"tm_182\">Within five </span><span class=\"S3E79 S27D S2\" id=\"tn_182\">years and </span><span class=\"S3E7A S27D S2\" id=\"to_182\">over one year </span><span class=\"S3E7B S27D S2\" id=\"tp_182\">More than </span><span class=\"S3E7C S27D S2\" id=\"tq_182\">five years </span><span class=\"S3E7D S27D S2\" id=\"tr_182\">Total </span><span class=\"S3E7E S27D S2\" id=\"ts_182\">Fair Value </span><span class=\"S3E7F S27D S2\" id=\"tt_182\">Hedge </span><span class=\"S3ED7 S27D S2\" id=\"tu_182\">Foreign </span><span class=\"S3ED8 S27D S2\" id=\"tv_182\">exchange risk </span><span class=\"S3ED9 S27D S2\" id=\"tw_182\">Cross currency interest rate </span><span class=\"S3EDA S27D S2\" id=\"tx_182\">swap </span><span class=\"S3EDB S27E S2\" id=\"ty_182\">EUR/HUF </span><span class=\"S3E84 S27E S2\" id=\"tz_182\">Notional </span><span class=\"S3E85 S27E S2\" id=\"t10_182\">- </span><span class=\"S3EDC S27E S2\" id=\"t11_182\">(6) </span><span class=\"S3EDD S27E S2\" id=\"t12_182\">35 </span><span class=\"S3EDE S27E S2\" id=\"t13_182\">572 </span><span class=\"S3EDF S27E S2\" id=\"t14_182\">- </span><span class=\"S3EE0 S27D S2\" id=\"t15_182\">601 </span><span class=\"S3EE1 S27E S2\" id=\"t16_182\">Average FX Rate </span><span class=\"S3EE2 S27E S2\" id=\"t17_182\">363.88 </span><span class=\"S3EE3 S27E S2\" id=\"t18_182\">354.22 </span><span class=\"S3EE4 S27E S2\" id=\"t19_182\">356.94 </span><span class=\"S3EE5 S27E S2\" id=\"t1a_182\">355.93 </span><span class=\"S3EE6 S27E S2\" id=\"t1b_182\">- </span><span class=\"S3EE7 S27E S2\" id=\"t1c_182\">RON/HUF </span><span class=\"S3E92 S27E S2\" id=\"t1d_182\">Notional </span><span class=\"S3E93 S27E S2\" id=\"t1e_182\">- </span><span class=\"S3E94 S27E S2\" id=\"t1f_182\">- </span><span class=\"S3EE8 S27E S2\" id=\"t1g_182\">200 </span><span class=\"S3EE9 S27E S2\" id=\"t1h_182\">2,225 </span><span class=\"S3EEA S27E S2\" id=\"t1i_182\">- </span><span class=\"S3EEB S27D S2\" id=\"t1j_182\">2,425 </span><span class=\"S3EEC S27E S2\" id=\"t1k_182\">Average FX Rate </span><span class=\"S3E9A S27E S2\" id=\"t1l_182\">- </span><span class=\"S3E9B S27E S2\" id=\"t1m_182\">- </span><span class=\"S3EED S27E S2\" id=\"t1n_182\">66.21 </span><span class=\"S3EEE S27E S2\" id=\"t1o_182\">73.08 </span><span class=\"S3EEF S27E S2\" id=\"t1p_182\">- </span><span class=\"S3EF0 S27E S2\" id=\"t1q_182\">RUB/HUF </span><span class=\"S3EA0 S27E S2\" id=\"t1r_182\">Notional </span><span class=\"S3EA1 S27E S2\" id=\"t1s_182\">- </span><span class=\"S3EA2 S27E S2\" id=\"t1t_182\">- </span><span class=\"S3EA3 S27E S2\" id=\"t1u_182\">- </span><span class=\"S3EF1 S27E S2\" id=\"t1v_182\">11,200 </span><span class=\"S3EF2 S27E S2\" id=\"t1w_182\">- </span><span class=\"S3EF3 S27D S2\" id=\"t1x_182\">11,200 </span><span class=\"S3EF4 S27E S2\" id=\"t1y_182\">Average FX Rate </span><span class=\"S3EA8 S27E S2\" id=\"t1z_182\">- </span><span class=\"S3EA9 S27E S2\" id=\"t20_182\">- </span><span class=\"S3EAA S27E S2\" id=\"t21_182\">- </span><span class=\"S3EF5 S27E S2\" id=\"t22_182\">4.15 </span><span class=\"S3EF6 S27E S2\" id=\"t23_182\">- </span><span class=\"S3EF7 S27E S2\" id=\"t24_182\">JPY/HUF </span><span class=\"S3EAE S27E S2\" id=\"t25_182\">Notional </span><span class=\"S3EAF S27E S2\" id=\"t26_182\">- </span><span class=\"S3EB0 S27E S2\" id=\"t27_182\">- </span><span class=\"S3EB1 S27E S2\" id=\"t28_182\">- </span><span class=\"S3EB2 S27E S2\" id=\"t29_182\">4,500 </span><span class=\"S3EB3 S27E S2\" id=\"t2a_182\">- </span><span class=\"S3EB4 S27D S2\" id=\"t2b_182\">4,500 </span><span class=\"S3EF8 S27E S2\" id=\"t2c_182\">Average FX Rate </span><span class=\"S3EB6 S27E S2\" id=\"t2d_182\">- </span><span class=\"S3EB7 S27E S2\" id=\"t2e_182\">- </span><span class=\"S3EB8 S27E S2\" id=\"t2f_182\">- </span><span class=\"S3EF9 S27E S2\" id=\"t2g_182\">2.79 </span><span class=\"S3EBA S27E S2\" id=\"t2h_182\">- </span><span class=\"S3EFA S27E S2\" id=\"t2i_182\">USD/HUF </span><span class=\"S3EFB S27E S2\" id=\"t2j_182\">Notional </span><span class=\"S3EFC S27E S2\" id=\"t2k_182\">- </span><span class=\"S3EFD S27E S2\" id=\"t2l_182\">- </span><span class=\"S3EFE S27E S2\" id=\"t2m_182\">(3) </span><span class=\"S3EFF S27E S2\" id=\"t2n_182\">306 </span><span class=\"S3F00 S27E S2\" id=\"t2o_182\">- </span><span class=\"S3F01 S27D S2\" id=\"t2p_182\">303 </span><span class=\"S3F02 S27E S2\" id=\"t2q_182\">Average FX Rate </span><span class=\"S3F03 S27E S2\" id=\"t2r_182\">- </span><span class=\"S3F04 S27E S2\" id=\"t2s_182\">323.77 </span><span class=\"S3F05 S27E S2\" id=\"t2t_182\">323.77 </span><span class=\"S3F06 S27E S2\" id=\"t2u_182\">323.77 </span><span class=\"S3F07 S27E S2\" id=\"t2v_182\">- </span><span class=\"S3F08 S27D S2\" id=\"t2w_182\">Other </span><span class=\"S3F09 S27D S2\" id=\"t2x_182\">Interest rate swap </span><span class=\"S3F0A S27E S2\" id=\"t2y_182\">HUF </span><span class=\"S3F0B S27E S2\" id=\"t2z_182\">Notional </span><span class=\"S3F0C S27E S2\" id=\"t30_182\">- </span><span class=\"S3F0D S27E S2\" id=\"t31_182\">3,345 </span><span class=\"S3F0E S27E S2\" id=\"t32_182\">1,823 </span><span class=\"S3F0F S27E S2\" id=\"t33_182\">3,093 </span><span class=\"S3F10 S27E S2\" id=\"t34_182\">- </span><span class=\"S3F11 S27D S2\" id=\"t35_182\">8,261 </span><span class=\"S3B80 SB S2\" id=\"t5_183\">48.3. </span><span class=\"S3F12 SB S2\" id=\"t6_183\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_183\">As at 31 December 2022 is as follows: </span><span class=\"S3F14 S27D S2\" id=\"t8_183\">Type of </span><span class=\"S3F15 S27D S2\" id=\"t9_183\">hedge </span><span class=\"S3F16 S27D S2\" id=\"ta_183\">Type of </span><span class=\"S3F17 S27D S2\" id=\"tb_183\">instrument </span><span class=\"S3F18 S27D S2\" id=\"tc_183\">Type of </span><span class=\"S3F19 S27D S2\" id=\"td_183\">risk </span><span class=\"S3F1A S27D S2\" id=\"te_183\">Nominal amount </span><span class=\"S3F1B S27D S2\" id=\"tf_183\">of the hedging </span><span class=\"S3F1C S27D S2\" id=\"tg_183\">instrument </span><span class=\"S3F1D S27D S2\" id=\"th_183\">Carrying amount of the hedging instrument as at 31 </span><span class=\"S3F1E S27D S2\" id=\"ti_183\">December 2022 </span><span class=\"S3F1F S27D S2\" id=\"tj_183\">Line item in the consolidated </span><span class=\"S3F20 S27D S2\" id=\"tk_183\">statement of financial position </span><span class=\"S3F21 S27D S2\" id=\"tl_183\">where the hedging instrument </span><span class=\"S3F22 S27D S2\" id=\"tm_183\">is located </span><span class=\"S3F23 S27D S2\" id=\"tn_183\">Changes in fair value </span><span class=\"S3F24 S27D S2\" id=\"to_183\">used for calculating </span><span class=\"S3F25 S27D S2\" id=\"tp_183\">hedge ineffectiveness </span><span class=\"S3F26 S27D S2\" id=\"tq_183\">for the six-month </span><span class=\"S3F27 S27D S2\" id=\"tr_183\">period ended as at 31 </span><span class=\"S3F28 S27D S2\" id=\"ts_183\">December 2022 </span><span class=\"S3F29 S27D S2\" id=\"tt_183\">Before netting </span><span class=\"S3F2A S27D S2\" id=\"tu_183\">Netting </span><span class=\"S3F2B S27D S2\" id=\"tv_183\">After netting </span><span class=\"S3F2C S27D S2\" id=\"tw_183\">Assets </span><span class=\"S3F2D S27D S2\" id=\"tx_183\">Liabilities </span><span class=\"S3F2E S27D S2\" id=\"ty_183\">Assets </span><span class=\"S3F2F S27D S2\" id=\"tz_183\">Liabilities </span><span class=\"S3F30 S27D S2\" id=\"t10_183\">Fair value </span><span class=\"S3F31 S27D S2\" id=\"t11_183\">hedge </span><span class=\"S3F32 S27E S2\" id=\"t12_183\">IRS </span><span class=\"S3F33 S27E S2\" id=\"t13_183\">Interest </span><span class=\"S3F34 S27E S2\" id=\"t14_183\">rate risk </span><span class=\"S3F35 S27E S2\" id=\"t15_183\">444,627 </span><span class=\"S3F36 S27E S2\" id=\"t16_183\">56,636 </span><span class=\"S3F37 S27E S2\" id=\"t17_183\">(37,258) </span><span class=\"S3F38 S27E S2\" id=\"t18_183\">30,938 </span><span class=\"S3F39 S27E S2\" id=\"t19_183\">25,698 </span><span class=\"S3F3A S27E S2\" id=\"t1a_183\">(6,320) </span><span class=\"S3F3B S27E S2\" id=\"t1b_183\">Derivative financial instruments </span><span class=\"S3F3C S27E S2\" id=\"t1c_183\">12,873 </span><span class=\"S3F3D S27E S2\" id=\"t1d_183\">designated as hedge </span><span class=\"S3F3E S27E S2\" id=\"t1e_183\">accounting </span><span class=\"S3F3F S27E S2\" id=\"t1f_183\">CCIRS </span><span class=\"S3F40 S27E S2\" id=\"t1g_183\">FX &amp; </span><span class=\"S3F41 S27E S2\" id=\"t1h_183\">IR risk </span><span class=\"S3F42 S27E S2\" id=\"t1i_183\">7,292 </span><span class=\"S3F43 S27E S2\" id=\"t1j_183\">- </span><span class=\"S3F44 S27E S2\" id=\"t1k_183\">(2,679) </span><span class=\"S3F45 S27E S2\" id=\"t1l_183\">- </span><span class=\"S3F46 S27E S2\" id=\"t1m_183\">- </span><span class=\"S3F47 S27E S2\" id=\"t1n_183\">(2,679) </span><span class=\"S3F48 S27E S2\" id=\"t1o_183\">Derivative financial instruments </span><span class=\"S3F49 S27E S2\" id=\"t1p_183\">3 </span><span class=\"S3F4A S27E S2\" id=\"t1q_183\">designated as hedge </span><span class=\"S3F4B S27E S2\" id=\"t1r_183\">accounting </span><span class=\"S3F4C S27E S2\" id=\"t1s_183\">CCIRS </span><span class=\"S3F4D S27E S2\" id=\"t1t_183\">FX risk </span><span class=\"S3F4E S27E S2\" id=\"t1u_183\">813,430 </span><span class=\"S3F4F S27E S2\" id=\"t1v_183\">20,732 </span><span class=\"S3F50 S27E S2\" id=\"t1w_183\">(2,719) </span><span class=\"S3F51 S27E S2\" id=\"t1x_183\">- </span><span class=\"S3F52 S27E S2\" id=\"t1y_183\">20,732 </span><span class=\"S3F53 S27E S2\" id=\"t1z_183\">(2,719) </span><span class=\"S3F54 S27E S2\" id=\"t20_183\">Derivative financial instruments </span><span class=\"S3F55 S27E S2\" id=\"t21_183\">(6,087) </span><span class=\"S3F56 S27E S2\" id=\"t22_183\">designated as hedge </span><span class=\"S3F57 S27E S2\" id=\"t23_183\">accounting </span><span class=\"S3F58 S27E S2\" id=\"t24_183\">FX swap </span><span class=\"S3F59 S27E S2\" id=\"t25_183\">FX risk </span><span class=\"S3F5A S27E S2\" id=\"t26_183\">290,982 </span><span class=\"S3F5B S27E S2\" id=\"t27_183\">1,696 </span><span class=\"S3F5C S27E S2\" id=\"t28_183\">(16,199) </span><span class=\"S3F5D S27E S2\" id=\"t29_183\">- </span><span class=\"S3F5E S27E S2\" id=\"t2a_183\">1,696 </span><span class=\"S3F5F S27E S2\" id=\"t2b_183\">(16,199) </span><span class=\"S3F60 S27E S2\" id=\"t2c_183\">Derivative financial instruments </span><span class=\"S3F61 S27E S2\" id=\"t2d_183\">- </span><span class=\"S3F62 S27E S2\" id=\"t2e_183\">designated as hedge </span><span class=\"S3F63 S27E S2\" id=\"t2f_183\">accounting </span><span class=\"S3F64 S27E S2\" id=\"t2g_183\">IRS </span><span class=\"S3F65 S27E S2\" id=\"t2h_183\">Other </span><span class=\"S3F66 S27E S2\" id=\"t2i_183\">5,584 </span><span class=\"S3F67 S27E S2\" id=\"t2j_183\">121 </span><span class=\"S3F68 S27E S2\" id=\"t2k_183\">(32) </span><span class=\"S3F69 S27E S2\" id=\"t2l_183\">- </span><span class=\"S3F6A S27E S2\" id=\"t2m_183\">121 </span><span class=\"S3F6B S27E S2\" id=\"t2n_183\">(32) </span><span class=\"S3F6C S27E S2\" id=\"t2o_183\">Derivative financial instruments </span><span class=\"S3F6D S27E S2\" id=\"t2p_183\">1 </span><span class=\"S3F6E S27E S2\" id=\"t2q_183\">designated as hedge </span><span class=\"S3F6F S27E S2\" id=\"t2r_183\">accounting </span><span class=\"S3F70 S27D S2\" id=\"t2s_183\">Fair value hedges total </span><span class=\"S3F71 S27D S2\" id=\"t2t_183\">1,561,915 </span><span class=\"S3F72 S27D S2\" id=\"t2u_183\">79,185 </span><span class=\"S3F73 S27D S2\" id=\"t2v_183\">(58,887) </span><span class=\"S3F74 S27D S2\" id=\"t2w_183\">30,938 </span><span class=\"S3F75 S27D S2\" id=\"t2x_183\">48,247 </span><span class=\"S3F76 S27D S2\" id=\"t2y_183\">(27,949) </span><span class=\"S3F77 S27D S2\" id=\"t2z_183\">6,790 </span><span class=\"S3B80 SB S2\" id=\"t5_184\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_184\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_184\">As at 31 December 2021 is as follows: </span><span class=\"S3F14 S27D S2\" id=\"t8_184\">Type of </span><span class=\"S3F15 S27D S2\" id=\"t9_184\">hedge </span><span class=\"S3F16 S27D S2\" id=\"ta_184\">Type of </span><span class=\"S3F17 S27D S2\" id=\"tb_184\">instrument </span><span class=\"S3F18 S27D S2\" id=\"tc_184\">Type of </span><span class=\"S3F19 S27D S2\" id=\"td_184\">risk </span><span class=\"S3F1A S27D S2\" id=\"te_184\">Nominal amount </span><span class=\"S3F1B S27D S2\" id=\"tf_184\">of the hedging </span><span class=\"S3F1C S27D S2\" id=\"tg_184\">instrument </span><span class=\"S3F1D S27D S2\" id=\"th_184\">Carrying amount of the hedging instrument as at 31 </span><span class=\"S3F1E S27D S2\" id=\"ti_184\">December 2021 </span><span class=\"S3F1F S27D S2\" id=\"tj_184\">Line item in the consolidated </span><span class=\"S3F20 S27D S2\" id=\"tk_184\">statement of financial position </span><span class=\"S3F21 S27D S2\" id=\"tl_184\">where the hedging instrument </span><span class=\"S3F22 S27D S2\" id=\"tm_184\">is located </span><span class=\"S3F23 S27D S2\" id=\"tn_184\">Changes in fair value </span><span class=\"S3F24 S27D S2\" id=\"to_184\">used for calculating </span><span class=\"S3F25 S27D S2\" id=\"tp_184\">hedge ineffectiveness </span><span class=\"S3F78 S27D S2\" id=\"tq_184\">for the year ended as </span><span class=\"S3F79 S27D S2\" id=\"tr_184\">at 31 December 2021 </span><span class=\"S3F7A S27D S2\" id=\"ts_184\">Before netting </span><span class=\"S3F7B S27D S2\" id=\"tt_184\">Netting </span><span class=\"S3F7C S27D S2\" id=\"tu_184\">After netting </span><span class=\"S3F7D S27D S2\" id=\"tv_184\">Assets </span><span class=\"S3F7E S27D S2\" id=\"tw_184\">Liabilities </span><span class=\"S3F7F S27D S2\" id=\"tx_184\">Assets </span><span class=\"S3F80 S27D S2\" id=\"ty_184\">Liabilities </span><span class=\"S3F81 S27D S2\" id=\"tz_184\">Fair value </span><span class=\"S3F82 S27D S2\" id=\"t10_184\">hedge </span><span class=\"S3F83 S27E S2\" id=\"t11_184\">IRS </span><span class=\"S3F84 S27E S2\" id=\"t12_184\">Interest </span><span class=\"S3F33 S27E S2\" id=\"t13_184\">rate risk </span><span class=\"S3F85 S27E S2\" id=\"t14_184\">409,595 </span><span class=\"S3F86 S27E S2\" id=\"t15_184\">23,986 </span><span class=\"S3F87 S27E S2\" id=\"t16_184\">(17,908) </span><span class=\"S3F88 S27E S2\" id=\"t17_184\">12,131 </span><span class=\"S3F89 S27E S2\" id=\"t18_184\">11,855 </span><span class=\"S3F8A S27E S2\" id=\"t19_184\">(5,777) </span><span class=\"S3F8B S27E S2\" id=\"t1a_184\">Derivative financial instruments </span><span class=\"S3F8C S27E S2\" id=\"t1b_184\">6,494 </span><span class=\"S3F8D S27E S2\" id=\"t1c_184\">designated as hedge </span><span class=\"S3F8E S27E S2\" id=\"t1d_184\">accounting </span><span class=\"S3F8F S27E S2\" id=\"t1e_184\">CCIRS </span><span class=\"S3F90 S27E S2\" id=\"t1f_184\">FX &amp; </span><span class=\"S3F91 S27E S2\" id=\"t1g_184\">IR risk </span><span class=\"S3F92 S27E S2\" id=\"t1h_184\">8,175 </span><span class=\"SBEB S27E S2\" id=\"t1i_184\">- </span><span class=\"S3F93 S27E S2\" id=\"t1j_184\">(2,375) </span><span class=\"S3F94 S27E S2\" id=\"t1k_184\">- </span><span class=\"S3F95 S27E S2\" id=\"t1l_184\">- </span><span class=\"S3F96 S27E S2\" id=\"t1m_184\">(2,375) </span><span class=\"S3F97 S27E S2\" id=\"t1n_184\">Derivative financial instruments </span><span class=\"S3F98 S27E S2\" id=\"t1o_184\">4 </span><span class=\"S3F99 S27E S2\" id=\"t1p_184\">designated as hedge </span><span class=\"S3F9A S27E S2\" id=\"t1q_184\">accounting </span><span class=\"S3F9B S27E S2\" id=\"t1r_184\">CCIRS </span><span class=\"S3F9C S27E S2\" id=\"t1s_184\">FX risk </span><span class=\"S3F9D S27E S2\" id=\"t1t_184\">566,936 </span><span class=\"S3F9E S27E S2\" id=\"t1u_184\">5,471 </span><span class=\"S3F9F S27E S2\" id=\"t1v_184\">(3,076) </span><span class=\"S3FA0 S27E S2\" id=\"t1w_184\">- </span><span class=\"S3FA1 S27E S2\" id=\"t1x_184\">5,471 </span><span class=\"S3FA2 S27E S2\" id=\"t1y_184\">(3,076) </span><span class=\"S3FA3 S27E S2\" id=\"t1z_184\">Derivative financial instruments </span><span class=\"S3FA4 S27E S2\" id=\"t20_184\">(1,687) </span><span class=\"S3FA5 S27E S2\" id=\"t21_184\">designated as hedge </span><span class=\"S3FA6 S27E S2\" id=\"t22_184\">accounting </span><span class=\"S3FA7 S27E S2\" id=\"t23_184\">IRS </span><span class=\"S3FA8 S27E S2\" id=\"t24_184\">Other </span><span class=\"S3FA9 S27E S2\" id=\"t25_184\">8,261 </span><span class=\"S3FAA S27E S2\" id=\"t26_184\">1,431 </span><span class=\"S3FAB S27E S2\" id=\"t27_184\">- </span><span class=\"S3FAC S27E S2\" id=\"t28_184\">- </span><span class=\"S3FAD S27E S2\" id=\"t29_184\">1,431 </span><span class=\"S3FAE S27E S2\" id=\"t2a_184\">- </span><span class=\"S3FAF S27E S2\" id=\"t2b_184\">Derivative financial instruments </span><span class=\"S3FB0 S27E S2\" id=\"t2c_184\">3 </span><span class=\"S3FB1 S27E S2\" id=\"t2d_184\">designated as hedge </span><span class=\"S3FB2 S27E S2\" id=\"t2e_184\">accounting </span><span class=\"S3FB3 S27D S2\" id=\"t2f_184\">Fair value hedges total </span><span class=\"S3FB4 S27D S2\" id=\"t2g_184\">992,967 </span><span class=\"S3FB5 S27D S2\" id=\"t2h_184\">30,888 </span><span class=\"S3FB6 S27D S2\" id=\"t2i_184\">(23,359) </span><span class=\"S3FB7 S27D S2\" id=\"t2j_184\">12,131 </span><span class=\"S3FB8 S27D S2\" id=\"t2k_184\">18,757 </span><span class=\"S3FB9 S27D S2\" id=\"t2l_184\">(11,228) </span><span class=\"S3FBA S27D S2\" id=\"t2m_184\">4,814 </span><span class=\"S3FBB SB S2\" id=\"t5_185\">48.3.  Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t6_185\">As at 31 December 2022 is as follows: </span><span class=\"S3E6C S27D S2\" id=\"t7_185\">Type of hedge </span><span class=\"S3FBC S27D S2\" id=\"t8_185\">Type of risk </span><span class=\"S3FBD S27D S2\" id=\"t9_185\">Carrying amount of the </span><span class=\"S3FBE S27D S2\" id=\"ta_185\">hedged item as at 31 </span><span class=\"S3FBF S27D S2\" id=\"tb_185\">December 2022 </span><span class=\"S3FC0 S27D S2\" id=\"tc_185\">Amount of fair value hedge adjustments </span><span class=\"S3FC1 S27D S2\" id=\"td_185\">on the hedged item included in the </span><span class=\"S3FC2 S27D S2\" id=\"te_185\">carrying amount of the hedged item for </span><span class=\"S3FC3 S27D S2\" id=\"tf_185\">the year ended 31 December 2022 </span><span class=\"S3FC4 S27D S2\" id=\"tg_185\">Line item in the consolidated statement of </span><span class=\"S3FC5 S27D S2\" id=\"th_185\">financial position in which the hedged item is </span><span class=\"S3FC6 S27D S2\" id=\"ti_185\">included </span><span class=\"S3FC7 S27D S2\" id=\"tj_185\">Fair value hedges </span><span class=\"S3FC8 S27D S2\" id=\"tk_185\">Assets </span><span class=\"S3FC9 S27D S2\" id=\"tl_185\">Liabilities </span><span class=\"S3FCA S27D S2\" id=\"tm_185\">Assets </span><span class=\"S3FCB S27D S2\" id=\"tn_185\">Liabilities </span><span class=\"S3FCC S27E S2\" id=\"to_185\">- Loans </span><span class=\"S3FCD S27E S2\" id=\"tp_185\">Interest rate risk </span><span class=\"S3FCE S27E S2\" id=\"tq_185\">64,596 </span><span class=\"S3FCF S27E S2\" id=\"tr_185\">- </span><span class=\"S3FD0 S27E S2\" id=\"ts_185\">(5,033) </span><span class=\"S3FD1 S27E S2\" id=\"tt_185\">- </span><span class=\"S3FD2 S27E S2\" id=\"tu_185\">Loans </span><span class=\"S3FD3 S27E S2\" id=\"tv_185\">- Loans </span><span class=\"S3FD4 S27E S2\" id=\"tw_185\">Interest rate risk </span><span class=\"S3FD5 S27E S2\" id=\"tx_185\">- </span><span class=\"S3FD6 S27E S2\" id=\"ty_185\">143,208 </span><span class=\"S3FD7 S27E S2\" id=\"tz_185\">- </span><span class=\"S3FD8 S27E S2\" id=\"t10_185\">(34,149) </span><span class=\"S3FD9 S27E S2\" id=\"t11_185\">Amounts due to banks, the National Governments, </span><span class=\"S3FDA S27E S2\" id=\"t12_185\">deposits from the National Banks and other banks </span><span class=\"S3FDB S27E S2\" id=\"t13_185\">- Government bonds </span><span class=\"S3FDC S27E S2\" id=\"t14_185\">Interest rate risk </span><span class=\"S3FDD S27E S2\" id=\"t15_185\">14,814 </span><span class=\"S3FDE S27E S2\" id=\"t16_185\">- </span><span class=\"S3FDF S27E S2\" id=\"t17_185\">(4,601) </span><span class=\"S3FE0 S27E S2\" id=\"t18_185\">- </span><span class=\"S3FE1 S27E S2\" id=\"t19_185\">Securities at amortized cost </span><span class=\"S3FE2 S27E S2\" id=\"t1a_185\">- Government bonds </span><span class=\"S3FE3 S27E S2\" id=\"t1b_185\">Interest rate risk </span><span class=\"S3FE4 S27E S2\" id=\"t1c_185\">151,501 </span><span class=\"S3FE5 S27E S2\" id=\"t1d_185\">- </span><span class=\"S3FE6 S27E S2\" id=\"t1e_185\">(45,319) </span><span class=\"S3FE7 S27E S2\" id=\"t1f_185\">- </span><span class=\"S3FE8 S27E S2\" id=\"t1g_185\">Securities at fair value through </span><span class=\"S3FE9 S27E S2\" id=\"t1h_185\">other comprehensive income </span><span class=\"S3FEA S27E S2\" id=\"t1i_185\">- Government bonds </span><span class=\"S3FEB S27E S2\" id=\"t1j_185\">Interest rate risk </span><span class=\"S3FEC S27E S2\" id=\"t1k_185\">- </span><span class=\"S3FED S27E S2\" id=\"t1l_185\">- </span><span class=\"S3FEE S27E S2\" id=\"t1m_185\">- </span><span class=\"S3FEF S27E S2\" id=\"t1n_185\">- </span><span class=\"S3FF0 S27E S2\" id=\"t1o_185\">Financial assets at fair value </span><span class=\"S3FF1 S27E S2\" id=\"t1p_185\">through profit or loss </span><span class=\"S3FF2 S27E S2\" id=\"t1q_185\">- Other bonds </span><span class=\"S3FF3 S27E S2\" id=\"t1r_185\">Interest rate risk </span><span class=\"S3FF4 S27E S2\" id=\"t1s_185\">44,508 </span><span class=\"S3FF5 S27E S2\" id=\"t1t_185\">- </span><span class=\"S3FF6 S27E S2\" id=\"t1u_185\">(638) </span><span class=\"S3FF7 S27E S2\" id=\"t1v_185\">- </span><span class=\"S3FF8 S27E S2\" id=\"t1w_185\">Securities at fair value through </span><span class=\"S3FF9 S27E S2\" id=\"t1x_185\">other comprehensive income </span><span class=\"S3FFA S27E S2\" id=\"t1y_185\">- Other bonds </span><span class=\"S3FFB S27E S2\" id=\"t1z_185\">Interest rate risk </span><span class=\"S3FFC S27E S2\" id=\"t20_185\">- </span><span class=\"S3FFD S27E S2\" id=\"t21_185\">25,563 </span><span class=\"S3FFE S27E S2\" id=\"t22_185\">- </span><span class=\"S3FFF S27E S2\" id=\"t23_185\">448 </span><span class=\"S4000 S27E S2\" id=\"t24_185\">Liabilities from issued securities </span><span class=\"S4001 S27E S2\" id=\"t25_185\">- Loans </span><span class=\"S4002 S27E S2\" id=\"t26_185\">Foreign exchange &amp; </span><span class=\"S4003 S27E S2\" id=\"t27_185\">Interest rate risk </span><span class=\"S4004 S27E S2\" id=\"t28_185\">9,099 </span><span class=\"S4005 S27E S2\" id=\"t29_185\">- </span><span class=\"S4006 S27E S2\" id=\"t2a_185\">503 </span><span class=\"S4007 S27E S2\" id=\"t2b_185\">- </span><span class=\"S4008 S27E S2\" id=\"t2c_185\">Loans </span><span class=\"S4009 S27E S2\" id=\"t2d_185\">- Loans </span><span class=\"S400A S27E S2\" id=\"t2e_185\">Foreign exchange risk </span><span class=\"S400B S27E S2\" id=\"t2f_185\">716,841 </span><span class=\"S400C S27E S2\" id=\"t2g_185\">- </span><span class=\"S400D S27E S2\" id=\"t2h_185\">- </span><span class=\"S400E S27E S2\" id=\"t2i_185\">- </span><span class=\"S400F S27E S2\" id=\"t2j_185\">Loans </span><span class=\"S4010 S27E S2\" id=\"t2k_185\">- Government bonds </span><span class=\"S4011 S27E S2\" id=\"t2l_185\">Foreign exchange risk </span><span class=\"S4012 S27E S2\" id=\"t2m_185\">12,797 </span><span class=\"S4013 S27E S2\" id=\"t2n_185\">- </span><span class=\"S4014 S27E S2\" id=\"t2o_185\">- </span><span class=\"S4015 S27E S2\" id=\"t2p_185\">- </span><span class=\"S4016 S27E S2\" id=\"t2q_185\">Securities at fair value through </span><span class=\"S4017 S27E S2\" id=\"t2r_185\">other comprehensive income </span><span class=\"S4018 S27E S2\" id=\"t2s_185\">- Government bonds </span><span class=\"S4019 S27E S2\" id=\"t2t_185\">Foreign exchange risk </span><span class=\"S401A S27E S2\" id=\"t2u_185\">113,806 </span><span class=\"S401B S27E S2\" id=\"t2v_185\">- </span><span class=\"S401C S27E S2\" id=\"t2w_185\">- </span><span class=\"S401D S27E S2\" id=\"t2x_185\">- </span><span class=\"S401E S27E S2\" id=\"t2y_185\">Securities at amortized cost </span><span class=\"S401F S27E S2\" id=\"t2z_185\">- Other securities </span><span class=\"S4020 S27E S2\" id=\"t30_185\">Other risk </span><span class=\"S4021 S27E S2\" id=\"t31_185\">- </span><span class=\"S4022 S27E S2\" id=\"t32_185\">2,299 </span><span class=\"S4023 S27E S2\" id=\"t33_185\">- </span><span class=\"S4024 S27E S2\" id=\"t34_185\">(218) </span><span class=\"S4025 S27E S2\" id=\"t35_185\">Liabilities from issued securities </span><span class=\"S3F70 S27D S2\" id=\"t36_185\">Fair value hedges total </span><span class=\"S4026 S27D S2\" id=\"t37_185\">1,127,962 </span><span class=\"S4027 S27D S2\" id=\"t38_185\">171,070 </span><span class=\"S4028 S27D S2\" id=\"t39_185\">(55,088) </span><span class=\"S4029 S27D S2\" id=\"t3a_185\">(33,919) </span><span class=\"S3B80 SB S2\" id=\"t5_186\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_186\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_186\">As at 31 December 2021 is as follows: </span><span class=\"S3E6C S27D S2\" id=\"t8_186\">Type of hedge </span><span class=\"S3FBC S27D S2\" id=\"t9_186\">Type of risk </span><span class=\"S402A S27D S2\" id=\"ta_186\">Carrying amount of the </span><span class=\"S3FBE S27D S2\" id=\"tb_186\">hedged item as at 31 </span><span class=\"S3FBF S27D S2\" id=\"tc_186\">December 2021 </span><span class=\"S3FC0 S27D S2\" id=\"td_186\">Amount of fair value hedge adjustments </span><span class=\"S3FC1 S27D S2\" id=\"te_186\">on the hedged item included in the </span><span class=\"S402B S27D S2\" id=\"tf_186\">carrying amount of the hedged item for </span><span class=\"S3FC3 S27D S2\" id=\"tg_186\">the year ended 31 December 2021 </span><span class=\"S3FC4 S27D S2\" id=\"th_186\">Line item in the consolidated statement of </span><span class=\"S402C S27D S2\" id=\"ti_186\">financial position in which the hedged item is </span><span class=\"S3FC6 S27D S2\" id=\"tj_186\">included </span><span class=\"S3FC7 S27D S2\" id=\"tk_186\">Fair value hedges </span><span class=\"S3FC8 S27D S2\" id=\"tl_186\">Assets </span><span class=\"S3FC9 S27D S2\" id=\"tm_186\">Liabilities </span><span class=\"S3FCA S27D S2\" id=\"tn_186\">Assets </span><span class=\"S3FCB S27D S2\" id=\"to_186\">Liabilities </span><span class=\"S3FCC S27E S2\" id=\"tp_186\">- Loans </span><span class=\"S3FCD S27E S2\" id=\"tq_186\">Interest rate risk </span><span class=\"S3FCE S27E S2\" id=\"tr_186\">57,176 </span><span class=\"S3FCF S27E S2\" id=\"ts_186\">- </span><span class=\"S402D S27E S2\" id=\"tt_186\">637 </span><span class=\"S3FD1 S27E S2\" id=\"tu_186\">- </span><span class=\"S3FD2 S27E S2\" id=\"tv_186\">Loans </span><span class=\"S3FD3 S27E S2\" id=\"tw_186\">- Loans </span><span class=\"S3FD4 S27E S2\" id=\"tx_186\">Interest rate risk </span><span class=\"S3FD5 S27E S2\" id=\"ty_186\">- </span><span class=\"S3FD6 S27E S2\" id=\"tz_186\">142,649 </span><span class=\"S3FD7 S27E S2\" id=\"t10_186\">- </span><span class=\"S3FD8 S27E S2\" id=\"t11_186\">(16,858) </span><span class=\"S3FD9 S27E S2\" id=\"t12_186\">Amounts due to banks, the National Governments, </span><span class=\"S402E S27E S2\" id=\"t13_186\">deposits from the National Banks and other banks </span><span class=\"S3FDB S27E S2\" id=\"t14_186\">- Government bonds </span><span class=\"S3FDC S27E S2\" id=\"t15_186\">Interest rate risk </span><span class=\"S3FDD S27E S2\" id=\"t16_186\">13,921 </span><span class=\"S3FDE S27E S2\" id=\"t17_186\">- </span><span class=\"S402F S27E S2\" id=\"t18_186\">1,230 </span><span class=\"S3FE0 S27E S2\" id=\"t19_186\">- </span><span class=\"S3FE1 S27E S2\" id=\"t1a_186\">Securities at amortized cost </span><span class=\"S3FE2 S27E S2\" id=\"t1b_186\">- Government bonds </span><span class=\"S3FE3 S27E S2\" id=\"t1c_186\">Interest rate risk </span><span class=\"S3FE4 S27E S2\" id=\"t1d_186\">152,830 </span><span class=\"S3FE5 S27E S2\" id=\"t1e_186\">- </span><span class=\"S4030 S27E S2\" id=\"t1f_186\">22,457 </span><span class=\"S3FE7 S27E S2\" id=\"t1g_186\">- </span><span class=\"S3FE8 S27E S2\" id=\"t1h_186\">Securities at fair value through </span><span class=\"S3FE9 S27E S2\" id=\"t1i_186\">other comprehensive income </span><span class=\"S4031 S27E S2\" id=\"t1j_186\">- Other bonds </span><span class=\"S3FEB S27E S2\" id=\"t1k_186\">Interest rate risk </span><span class=\"S4032 S27E S2\" id=\"t1l_186\">42,008 </span><span class=\"S3FED S27E S2\" id=\"t1m_186\">- </span><span class=\"S4033 S27E S2\" id=\"t1n_186\">318 </span><span class=\"S3FEF S27E S2\" id=\"t1o_186\">- </span><span class=\"S4034 S27E S2\" id=\"t1p_186\">Securities at fair value through </span><span class=\"S4035 S27E S2\" id=\"t1q_186\">other comprehensive income </span><span class=\"S4036 S27E S2\" id=\"t1r_186\">- Loans </span><span class=\"S4037 S27E S2\" id=\"t1s_186\">Foreign exchange &amp; </span><span class=\"S4038 S27E S2\" id=\"t1t_186\">Interest rate risk </span><span class=\"S4039 S27E S2\" id=\"t1u_186\">101,934 </span><span class=\"S403A S27E S2\" id=\"t1v_186\">- </span><span class=\"S403B S27E S2\" id=\"t1w_186\">611 </span><span class=\"S403C S27E S2\" id=\"t1x_186\">(1,114) </span><span class=\"S403D S27E S2\" id=\"t1y_186\">Loans </span><span class=\"S403E S27E S2\" id=\"t1z_186\">- Loans </span><span class=\"S403F S27E S2\" id=\"t20_186\">Foreign exchange risk </span><span class=\"S4040 S27E S2\" id=\"t21_186\">458,312 </span><span class=\"S4041 S27E S2\" id=\"t22_186\">- </span><span class=\"S3FFE S27E S2\" id=\"t23_186\">- </span><span class=\"S4042 S27E S2\" id=\"t24_186\">- </span><span class=\"S4043 S27E S2\" id=\"t25_186\">Loans </span><span class=\"S4044 S27E S2\" id=\"t26_186\">- Government bonds </span><span class=\"S4045 S27E S2\" id=\"t27_186\">Foreign exchange risk </span><span class=\"S4046 S27E S2\" id=\"t28_186\">12,811 </span><span class=\"S4047 S27E S2\" id=\"t29_186\">- </span><span class=\"S4048 S27E S2\" id=\"t2a_186\">- </span><span class=\"S4049 S27E S2\" id=\"t2b_186\">- </span><span class=\"S404A S27E S2\" id=\"t2c_186\">Securities at fair value through </span><span class=\"S404B S27E S2\" id=\"t2d_186\">other comprehensive income </span><span class=\"S404C S27E S2\" id=\"t2e_186\">- Government bonds </span><span class=\"S404D S27E S2\" id=\"t2f_186\">Foreign exchange risk </span><span class=\"S404E S27E S2\" id=\"t2g_186\">98,668 </span><span class=\"S400C S27E S2\" id=\"t2h_186\">- </span><span class=\"S400D S27E S2\" id=\"t2i_186\">- </span><span class=\"S400E S27E S2\" id=\"t2j_186\">- </span><span class=\"S404F S27E S2\" id=\"t2k_186\">Securities at amortized cost </span><span class=\"S4050 S27E S2\" id=\"t2l_186\">- Other securities </span><span class=\"S4051 S27E S2\" id=\"t2m_186\">Other risk </span><span class=\"S4052 S27E S2\" id=\"t2n_186\">- </span><span class=\"S4053 S27E S2\" id=\"t2o_186\">8,261 </span><span class=\"S4014 S27E S2\" id=\"t2p_186\">- </span><span class=\"S4054 S27E S2\" id=\"t2q_186\">(161) </span><span class=\"S4055 S27E S2\" id=\"t2r_186\">Liabilities from issued securities </span><span class=\"S4056 S27D S2\" id=\"t2s_186\">Fair value hedges total </span><span class=\"S4057 S27D S2\" id=\"t2t_186\">937,660 </span><span class=\"S4058 S27D S2\" id=\"t2u_186\">150,910 </span><span class=\"S4059 S27D S2\" id=\"t2v_186\">25,253 </span><span class=\"S405A S27D S2\" id=\"t2w_186\">(18,133) </span><span class=\"S3B80 SB S2\" id=\"t5_187\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_187\">Types of hedge accounting [continued] </span><span class=\"S405B SA7 S2\" id=\"t7_187\">Change in basis swap spread recognised in the consolidated other comprehensive income related fair value hedges as follows: </span><span class=\"S405C S27D S2\" id=\"t8_187\">Type of risk </span><span class=\"S405D S27D S2\" id=\"t9_187\">Carrying amount of the hedged item </span><span class=\"S405E S27D S2\" id=\"ta_187\">Items recognized in the </span><span class=\"S405F S27D S2\" id=\"tb_187\">consolidated other comprehensive </span><span class=\"S4060 S27D S2\" id=\"tc_187\">income for the year ended 31 </span><span class=\"S4061 S27D S2\" id=\"td_187\">December 2022 </span><span class=\"S4062 S27D S2\" id=\"te_187\">Change in the items recognized in </span><span class=\"S4063 S27D S2\" id=\"tf_187\">other comprehensive income for </span><span class=\"S4064 S27D S2\" id=\"tg_187\">the year ended 31 December 2022 </span><span class=\"S4065 S27D S2\" id=\"th_187\">Line item in the consolidated </span><span class=\"S4066 S27D S2\" id=\"ti_187\">statement of financial position in </span><span class=\"S4067 S27D S2\" id=\"tj_187\">which the hedged item is included </span><span class=\"S4068 S27D S2\" id=\"tk_187\">Assets </span><span class=\"S4069 S27D S2\" id=\"tl_187\">Liabilities </span><span class=\"S406A S27E S2\" id=\"tm_187\">FX risk </span><span class=\"S406B S27E S2\" id=\"tn_187\">716,841 </span><span class=\"S406C S27E S2\" id=\"to_187\">- </span><span class=\"S406D S27E S2\" id=\"tp_187\">(363) </span><span class=\"S406E S27E S2\" id=\"tq_187\">605 </span><span class=\"S406F S27E S2\" id=\"tr_187\">Loans at amortised cost </span><span class=\"S4070 S27E S2\" id=\"ts_187\">FX risk </span><span class=\"S4071 S27E S2\" id=\"tt_187\">12,797 </span><span class=\"S4072 S27E S2\" id=\"tu_187\">- </span><span class=\"S4073 S27E S2\" id=\"tv_187\">(52) </span><span class=\"S4074 S27E S2\" id=\"tw_187\">- </span><span class=\"S4075 S27E S2\" id=\"tx_187\">Securities at fair value through </span><span class=\"S4076 S27E S2\" id=\"ty_187\">other comprehensive income </span><span class=\"S4077 S27D S2\" id=\"tz_187\">Total </span><span class=\"S4078 S27D S2\" id=\"t10_187\">729,638 </span><span class=\"S4079 S27D S2\" id=\"t11_187\">- </span><span class=\"S407A S27D S2\" id=\"t12_187\">(415) </span><span class=\"S407B S27D S2\" id=\"t13_187\">605 </span><span class=\"S407C S27D S2\" id=\"t14_187\">Type of risk </span><span class=\"S407D S27D S2\" id=\"t15_187\">Carrying amount of the hedged item </span><span class=\"S407E S27D S2\" id=\"t16_187\">Items recognised in the </span><span class=\"S407F S27D S2\" id=\"t17_187\">consolidated other comprehensive </span><span class=\"S4080 S27D S2\" id=\"t18_187\">income for the </span><span class=\"S4081 S27D S2\" id=\"t19_187\">year 2021 </span><span class=\"S4082 S27D S2\" id=\"t1a_187\">Change in the items recognized in </span><span class=\"S4083 S27D S2\" id=\"t1b_187\">other comprehensive income for </span><span class=\"S4084 S27D S2\" id=\"t1c_187\">the year 2021 </span><span class=\"S4085 S27D S2\" id=\"t1d_187\">Line item in the consolidated </span><span class=\"S4086 S27D S2\" id=\"t1e_187\">statement of financial position in </span><span class=\"S4087 S27D S2\" id=\"t1f_187\">which the hedged item is included </span><span class=\"S4088 S27D S2\" id=\"t1g_187\">Assets </span><span class=\"S4089 S27D S2\" id=\"t1h_187\">Liabilities </span><span class=\"S408A S27E S2\" id=\"t1i_187\">FX risk </span><span class=\"S408B S27E S2\" id=\"t1j_187\">458,312 </span><span class=\"S408C S27E S2\" id=\"t1k_187\">- </span><span class=\"S408D S27E S2\" id=\"t1l_187\">(1,032) </span><span class=\"S408E S27E S2\" id=\"t1m_187\">(1,681) </span><span class=\"S408F S27E S2\" id=\"t1n_187\">Loans at amortised cost </span><span class=\"S4090 S27E S2\" id=\"t1o_187\">FX risk </span><span class=\"S4091 S27E S2\" id=\"t1p_187\">12,811 </span><span class=\"S4092 S27E S2\" id=\"t1q_187\">- </span><span class=\"S4093 S27E S2\" id=\"t1r_187\">64 </span><span class=\"S4094 S27E S2\" id=\"t1s_187\">- </span><span class=\"S4095 S27E S2\" id=\"t1t_187\">Securities at fair value through </span><span class=\"S4096 S27E S2\" id=\"t1u_187\">other comprehensive income </span><span class=\"S4097 S27D S2\" id=\"t1v_187\">Total </span><span class=\"S4098 S27D S2\" id=\"t1w_187\">471,123 </span><span class=\"S4099 S27D S2\" id=\"t1x_187\">- </span><span class=\"S409A S27D S2\" id=\"t1y_187\">(968) </span><span class=\"S409B S27D S2\" id=\"t1z_187\">(1,681) </span><span class=\"S409C S5B9 S2\" id=\"t20_187\">On Group level there weren\u2019t any cash</span><span class=\"S409D SA7 S2\" id=\"t21_187\">-flow hedges for the year ended as at 31 December 2022 and 2021. </span><span class=\"S409E SA7 S2\" id=\"t22_187\">Neither at the end of 31 December 2022 nor at the end of 31 December 2021 regarding net investment hedges for foreign subsidi </span><span class=\"S409F S5B9 S2\" id=\"t23_187\">aries there aren\u2019t any disclosure requirements </span><span class=\"S40A0 SA7 S2\" id=\"t24_187\">to be presented. </span><span class=\"S40A2 SB S2\" id=\"t5_188\">48.4.  Fair value levels </span><span class=\"S40A3 SA7 S2\" id=\"t6_188\">Methods and significant assumptions used to determine fair value of the different levels of financial instruments: </span><span class=\"S40A4 S40F7 S2\" id=\"t7_188\">- </span><span class=\"S40A5 SA7 S2\" id=\"t8_188\">Level 1: quoted prices (unadjusted) in active markets for identical assets or liabilities; </span><span class=\"S40A6 S40F7 S2\" id=\"t9_188\">- </span><span class=\"S40A7 SA7 S2\" id=\"ta_188\">Level 2: inputs other than quoted prices included within Level 1, that are observable for the asset or liability either directly or indirectly. Fair value measurements </span><span class=\"S40A8 S5B9 S2\" id=\"tb_188\">\u2013 </span><span class=\"S40A9 SA7 S2\" id=\"tc_188\">in </span><span class=\"S40AA SA7 S2\" id=\"td_188\">relation with instruments measured not at fair value </span><span class=\"S40AB S5B9 S2\" id=\"te_188\">\u2013 </span><span class=\"S40AC SA7 S2\" id=\"tf_188\">are categorized in level 2; </span><span class=\"S40AD S40F7 S2\" id=\"tg_188\">- </span><span class=\"S40AE SA7 S2\" id=\"th_188\">Level 3: inputs for the asset or liability that are not based on observable market data (unobservable inputs). </span><span class=\"S40AF SA7 S2\" id=\"ti_188\">The following table shows an analysis of financial instruments recorded at fair value by level of the fair value hierarchy: </span><span class=\"S40B0 S27D S2\" id=\"tj_188\">2022 </span><span class=\"S40B1 S27D S2\" id=\"tk_188\">Total </span><span class=\"S40B2 S27D S2\" id=\"tl_188\">Level 1 </span><span class=\"S40B3 S27D S2\" id=\"tm_188\">Level 2 </span><span class=\"S40B4 S27D S2\" id=\"tn_188\">Level 3 </span><span class=\"S40B5 S27D S2\" id=\"to_188\">Financial assets at fair value through profit or loss </span><span class=\"S40B6 S27D S2\" id=\"tp_188\">436,387 </span><span class=\"S40B7 S27D S2\" id=\"tq_188\">85,339 </span><span class=\"S40B8 S27D S2\" id=\"tr_188\">339,060 </span><span class=\"S40B9 S27D S2\" id=\"ts_188\">11,988 </span><span class=\"S40BA S3C28 S2\" id=\"tt_188\">Trading securities at fair value through profit or loss </span><span class=\"S40BB S3C28 S2\" id=\"tu_188\">104,750 </span><span class=\"S40BC S3C28 S2\" id=\"tv_188\">50,131 </span><span class=\"S40BD S3C28 S2\" id=\"tw_188\">54,619 </span><span class=\"S40BE S3C28 S2\" id=\"tx_188\">- </span><span class=\"S40BF S3C28 S2\" id=\"ty_188\">Positive fair value of derivative financial assets held for trading </span><span class=\"S40C0 S3C28 S2\" id=\"tz_188\">276,482 </span><span class=\"S40C1 S3C28 S2\" id=\"t10_188\">214 </span><span class=\"S40C2 S3C28 S2\" id=\"t11_188\">276,268 </span><span class=\"S40C3 S3C28 S2\" id=\"t12_188\">- </span><span class=\"S40C4 S3C28 S2\" id=\"t13_188\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S40C5 S40F8 S2\" id=\"t14_188\">1 </span><span class=\"S40C6 S3C28 S2\" id=\"t15_188\">55,155 </span><span class=\"S40C7 S3C28 S2\" id=\"t16_188\">34,994 </span><span class=\"S40C8 S3C28 S2\" id=\"t17_188\">8,173 </span><span class=\"S40C9 S3C28 S2\" id=\"t18_188\">11,988 </span><span class=\"S40CA S27E S2\" id=\"t19_188\">Securities at fair value through other comprehensive income </span><span class=\"S40CB S1F81 S2\" id=\"t1a_188\">2 </span><span class=\"S40CC S27E S2\" id=\"t1b_188\">1,739,603 </span><span class=\"S40CD S27E S2\" id=\"t1c_188\">562,081 </span><span class=\"S40CE S27E S2\" id=\"t1d_188\">1,103,082 </span><span class=\"S40CF S27E S2\" id=\"t1e_188\">74,440 </span><span class=\"S3974 S27E S2\" id=\"t1f_188\">Loans mandatorily measured at fair value through profit or loss </span><span class=\"S40D0 S27E S2\" id=\"t1g_188\">1,247,414 </span><span class=\"S40D1 S27E S2\" id=\"t1h_188\">- </span><span class=\"S40D2 S27E S2\" id=\"t1i_188\">- </span><span class=\"S40D3 S27E S2\" id=\"t1j_188\">1,247,414 </span><span class=\"S40D4 S27E S2\" id=\"t1k_188\">Positive fair value of derivative financial assets designated as fair value hedge </span><span class=\"S40D5 S27E S2\" id=\"t1l_188\">48,247 </span><span class=\"S40D6 S27E S2\" id=\"t1m_188\">- </span><span class=\"S40D7 S27E S2\" id=\"t1n_188\">48,247 </span><span class=\"S40D8 S27E S2\" id=\"t1o_188\">- </span><span class=\"S40D9 S27D S2\" id=\"t1p_188\">Financial assets measured at fair value total </span><span class=\"S40DA S27D S2\" id=\"t1q_188\">3,471,651 </span><span class=\"S40DB S27D S2\" id=\"t1r_188\">647,420 </span><span class=\"S40DC S27D S2\" id=\"t1s_188\">1,490,389 </span><span class=\"S40DD S27D S2\" id=\"t1t_188\">1,333,842 </span><span class=\"S40DE S27E S2\" id=\"t1u_188\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S40DF S27E S2\" id=\"t1v_188\">54,191 </span><span class=\"S40E0 S27E S2\" id=\"t1w_188\">- </span><span class=\"S40E1 S27E S2\" id=\"t1x_188\">- </span><span class=\"S40E2 S27E S2\" id=\"t1y_188\">54,191 </span><span class=\"S40E3 S27E S2\" id=\"t1z_188\">Negative fair value of held-for-trading derivative financial liabilities </span><span class=\"S40E4 S27E S2\" id=\"t20_188\">385,747 </span><span class=\"S40E5 S27E S2\" id=\"t21_188\">1,886 </span><span class=\"S40E6 S27E S2\" id=\"t22_188\">383,211 </span><span class=\"S40E7 S27E S2\" id=\"t23_188\">650 </span><span class=\"S40E8 S27E S2\" id=\"t24_188\">Negative fair value of derivative financial liabilities designated as fair value hedge </span><span class=\"S40E9 S27E S2\" id=\"t25_188\">27,949 </span><span class=\"S40EA S27E S2\" id=\"t26_188\">- </span><span class=\"S40EB S27E S2\" id=\"t27_188\">27,949 </span><span class=\"S40EC S27E S2\" id=\"t28_188\">- </span><span class=\"S40ED S27D S2\" id=\"t29_188\">Financial liabilities measured at fair value total </span><span class=\"S40EE S27D S2\" id=\"t2a_188\">467,887 </span><span class=\"S40EF S27D S2\" id=\"t2b_188\">1,886 </span><span class=\"S40F0 S27D S2\" id=\"t2c_188\">411,160 </span><span class=\"S40F1 S27D S2\" id=\"t2d_188\">54,841 </span><span class=\"S40F2 S482 S2\" id=\"t2e_188\">1 </span><span class=\"S40F3 S483 S2\" id=\"t2f_188\">The portfolio in level 3 includes Visa C shares. </span><span class=\"S40F4 S482 S2\" id=\"t2g_188\">2 </span><span class=\"S40F5 S483 S2\" id=\"t2h_188\">The portfolio in level 3 includes HUF 26,571 million Ukrainian and HUF 27,415 million Russian government bonds. </span><span class=\"S40F6 SA7 S2\" id=\"t2i_188\">The fair value of investment properties is presented in Note 14 and they are categorized in level 3. </span><span class=\"S3B80 SB S2\" id=\"t5_189\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_189\">Fair value levels [continued] </span><span class=\"S40FA S27D S2\" id=\"t7_189\">2021 </span><span class=\"S40FB S27D S2\" id=\"t8_189\">Total </span><span class=\"S40FC S27D S2\" id=\"t9_189\">Level 1 </span><span class=\"S40FD S27D S2\" id=\"ta_189\">Level 2 </span><span class=\"S40FE S27D S2\" id=\"tb_189\">Level 3 </span><span class=\"S40FF S27D S2\" id=\"tc_189\">Financial assets at fair value through profit or loss </span><span class=\"S4100 S27D S2\" id=\"td_189\">341,397 </span><span class=\"S4101 S27D S2\" id=\"te_189\">90,877 </span><span class=\"S4102 S27D S2\" id=\"tf_189\">227,153 </span><span class=\"S4103 S27D S2\" id=\"tg_189\">23,367 </span><span class=\"S4104 S3C28 S2\" id=\"th_189\">Trading securities at fair value through profit or loss </span><span class=\"S4105 S3C28 S2\" id=\"ti_189\">103,510 </span><span class=\"S4106 S3C28 S2\" id=\"tj_189\">58,727 </span><span class=\"S4107 S3C28 S2\" id=\"tk_189\">44,777 </span><span class=\"S4108 S3C28 S2\" id=\"tl_189\">6 </span><span class=\"S4109 S3C28 S2\" id=\"tm_189\">Positive fair value of derivative financial assets held for trading </span><span class=\"S410A S3C28 S2\" id=\"tn_189\">184,484 </span><span class=\"S410B S3C28 S2\" id=\"to_189\">171 </span><span class=\"S410C S3C28 S2\" id=\"tp_189\">174,143 </span><span class=\"S410D S3C28 S2\" id=\"tq_189\">10,170 </span><span class=\"S410E S3C28 S2\" id=\"tr_189\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S410F S40F8 S2\" id=\"ts_189\">1 </span><span class=\"S4110 S3C28 S2\" id=\"tt_189\">53,403 </span><span class=\"S4111 S3C28 S2\" id=\"tu_189\">31,979 </span><span class=\"S4112 S3C28 S2\" id=\"tv_189\">8,233 </span><span class=\"S4113 S3C28 S2\" id=\"tw_189\">13,191 </span><span class=\"S4114 S27E S2\" id=\"tx_189\">Securities at fair value through other comprehensive income </span><span class=\"S4115 S1F81 S2\" id=\"ty_189\">2 </span><span class=\"S4116 S27E S2\" id=\"tz_189\">2,224,510 </span><span class=\"S4117 S27E S2\" id=\"t10_189\">910,324 </span><span class=\"S4118 S27E S2\" id=\"t11_189\">1,250,833 </span><span class=\"S4119 S27E S2\" id=\"t12_189\">63,353 </span><span class=\"S411A S27E S2\" id=\"t13_189\">Loans mandatorily measured at fair value through profit or loss </span><span class=\"S411B S27E S2\" id=\"t14_189\">1,068,111 </span><span class=\"S411C S27E S2\" id=\"t15_189\">281 </span><span class=\"S411D S27E S2\" id=\"t16_189\">- </span><span class=\"S411E S27E S2\" id=\"t17_189\">1,067,830 </span><span class=\"S411F S27E S2\" id=\"t18_189\">Positive fair value of derivative financial assets designated as fair value hedge </span><span class=\"S4120 S27E S2\" id=\"t19_189\">18,757 </span><span class=\"S4121 S27E S2\" id=\"t1a_189\">- </span><span class=\"S4122 S27E S2\" id=\"t1b_189\">18,757 </span><span class=\"S4123 S27E S2\" id=\"t1c_189\">- </span><span class=\"S4124 S27D S2\" id=\"t1d_189\">Financial assets measured at fair value total </span><span class=\"S4125 S27D S2\" id=\"t1e_189\">3,652,775 </span><span class=\"S4126 S27D S2\" id=\"t1f_189\">1,001,482 </span><span class=\"S4127 S27D S2\" id=\"t1g_189\">1,496,743 </span><span class=\"S4128 S27D S2\" id=\"t1h_189\">1,154,550 </span><span class=\"S4129 S27E S2\" id=\"t1i_189\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S412A S27E S2\" id=\"t1j_189\">41,184 </span><span class=\"S412B S27E S2\" id=\"t1k_189\">- </span><span class=\"S412C S27E S2\" id=\"t1l_189\">- </span><span class=\"S412D S27E S2\" id=\"t1m_189\">41,184 </span><span class=\"S412E S27E S2\" id=\"t1n_189\">Negative fair value of held-for-trading derivative financial liabilities </span><span class=\"S412F S27E S2\" id=\"t1o_189\">202,716 </span><span class=\"S4130 S27E S2\" id=\"t1p_189\">278 </span><span class=\"S4131 S27E S2\" id=\"t1q_189\">202,438 </span><span class=\"S4132 S27E S2\" id=\"t1r_189\">- </span><span class=\"S4133 S27E S2\" id=\"t1s_189\">Negative fair value of derivative financial liabilities designated as fair value hedge </span><span class=\"S4134 S27E S2\" id=\"t1t_189\">11,228 </span><span class=\"S4135 S27E S2\" id=\"t1u_189\">- </span><span class=\"S4136 S27E S2\" id=\"t1v_189\">11,228 </span><span class=\"S4137 S27E S2\" id=\"t1w_189\">- </span><span class=\"S4138 S27D S2\" id=\"t1x_189\">Financial liabilities measured at fair value total </span><span class=\"S4139 S27D S2\" id=\"t1y_189\">255,128 </span><span class=\"S413A S27D S2\" id=\"t1z_189\">278 </span><span class=\"S413B S27D S2\" id=\"t20_189\">213,666 </span><span class=\"S413C S27D S2\" id=\"t21_189\">41,184 </span><span class=\"S413D S482 S2\" id=\"t22_189\">1 </span><span class=\"S413E S483 S2\" id=\"t23_189\">The portfolio in level 3 includes mainly Visa C shares. </span><span class=\"S413F S482 S2\" id=\"t24_189\">2 </span><span class=\"S4140 S483 S2\" id=\"t25_189\">The portfolio in level 3 includes HUF 55,476 million Ukrainian government bonds. </span><span class=\"S4141 SA7 S2\" id=\"t26_189\">The fair value of investment properties is presented in Note 14 and they are categorized in level 3. </span><span class=\"S3B80 SB S2\" id=\"t5_190\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_190\">Fair value levels [continued] </span><span class=\"S3917 SB S2\" id=\"t7_190\">Movements in Level 3 financial instruments measured at fair value </span><span class=\"S1E9B SA7 S2\" id=\"t8_190\">The following table shows a reconciliation of the opening and closing amount of Level 3 financial assets and liabilities which are recorded at fair value: </span><span class=\"S1FD5 SC43 S2\" id=\"t9_190\">2022 </span><span class=\"S4142 SC43 S2\" id=\"ta_190\">Opening </span><span class=\"S4143 SC43 S2\" id=\"tb_190\">balance </span><span class=\"S4144 SC43 S2\" id=\"tc_190\">Purchase </span><span class=\"S4145 SC43 S2\" id=\"td_190\">(+) </span><span class=\"S4146 SC43 S2\" id=\"te_190\">Issuance </span><span class=\"S4147 SC43 S2\" id=\"tf_190\">/Disbursement </span><span class=\"S4148 SC43 S2\" id=\"tg_190\">(+) </span><span class=\"S4149 SC43 S2\" id=\"th_190\">Settlement / </span><span class=\"S414A SC43 S2\" id=\"ti_190\">Close (-) </span><span class=\"S414B SC43 S2\" id=\"tj_190\">Sale (-) </span><span class=\"S414C SC43 S2\" id=\"tk_190\">FVA (+/-) </span><span class=\"S414D SC43 S2\" id=\"tl_190\">Transfer (+/-) </span><span class=\"S414E SC43 S2\" id=\"tm_190\">Fx effect / </span><span class=\"S414F SC43 S2\" id=\"tn_190\">Revaluation </span><span class=\"S4150 SC43 S2\" id=\"to_190\">Other </span><span class=\"S4151 SC43 S2\" id=\"tp_190\">Closing </span><span class=\"S4152 SC43 S2\" id=\"tq_190\">balance </span><span class=\"S4153 S483 S2\" id=\"tr_190\">Trading securities at fair value </span><span class=\"S4154 S483 S2\" id=\"ts_190\">through profit or loss </span><span class=\"S4155 S483 S2\" id=\"tt_190\">6 </span><span class=\"S4156 S483 S2\" id=\"tu_190\">- </span><span class=\"S4157 S483 S2\" id=\"tv_190\">- </span><span class=\"S4158 S483 S2\" id=\"tw_190\">- </span><span class=\"S4159 S483 S2\" id=\"tx_190\">- </span><span class=\"S415A S483 S2\" id=\"ty_190\">- </span><span class=\"S415B S483 S2\" id=\"tz_190\">- </span><span class=\"S415C S483 S2\" id=\"t10_190\">- </span><span class=\"S415D S483 S2\" id=\"t11_190\">(6) </span><span class=\"S415E SC43 S2\" id=\"t12_190\">- </span><span class=\"S415F S483 S2\" id=\"t13_190\">Positive fair value of derivative </span><span class=\"S4160 S483 S2\" id=\"t14_190\">financial assets held for trading </span><span class=\"S4161 S483 S2\" id=\"t15_190\">10,170 </span><span class=\"S4162 S483 S2\" id=\"t16_190\">- </span><span class=\"S4163 S483 S2\" id=\"t17_190\">- </span><span class=\"S4164 S483 S2\" id=\"t18_190\">- </span><span class=\"S4165 S483 S2\" id=\"t19_190\">- </span><span class=\"S4166 S483 S2\" id=\"t1a_190\">(10,170) </span><span class=\"S4167 S483 S2\" id=\"t1b_190\">- </span><span class=\"S4168 S483 S2\" id=\"t1c_190\">- </span><span class=\"S4169 S483 S2\" id=\"t1d_190\">- </span><span class=\"S416A SC43 S2\" id=\"t1e_190\">- </span><span class=\"S416B S483 S2\" id=\"t1f_190\">Non-trading securities mandatorily </span><span class=\"S416C S483 S2\" id=\"t1g_190\">at fair value through profit or loss </span><span class=\"S416D S483 S2\" id=\"t1h_190\">13,191 </span><span class=\"S416E S483 S2\" id=\"t1i_190\">- </span><span class=\"S416F S483 S2\" id=\"t1j_190\">1,171 </span><span class=\"S4170 S483 S2\" id=\"t1k_190\">- </span><span class=\"S4171 S483 S2\" id=\"t1l_190\">- </span><span class=\"S4172 S483 S2\" id=\"t1m_190\">(1,745) </span><span class=\"S4173 S483 S2\" id=\"t1n_190\">- </span><span class=\"S4174 S483 S2\" id=\"t1o_190\">482 </span><span class=\"S4175 S483 S2\" id=\"t1p_190\">(1,111) </span><span class=\"S4176 SC43 S2\" id=\"t1q_190\">11,988 </span><span class=\"S4177 S483 S2\" id=\"t1r_190\">Securities at fair value through </span><span class=\"S4178 S483 S2\" id=\"t1s_190\">other comprehensive income </span><span class=\"S4179 S483 S2\" id=\"t1t_190\">63,353 </span><span class=\"S417A S483 S2\" id=\"t1u_190\">981 </span><span class=\"S417B S483 S2\" id=\"t1v_190\">- </span><span class=\"S417C S483 S2\" id=\"t1w_190\">- </span><span class=\"S417D S483 S2\" id=\"t1x_190\">(33,288) </span><span class=\"S417E S483 S2\" id=\"t1y_190\">15,310 </span><span class=\"S417F S483 S2\" id=\"t1z_190\">19,678 </span><span class=\"S4180 S483 S2\" id=\"t20_190\">(1,051) </span><span class=\"S4181 S483 S2\" id=\"t21_190\">9,457 </span><span class=\"S4182 SC43 S2\" id=\"t22_190\">74,440 </span><span class=\"S4183 S483 S2\" id=\"t23_190\">Loans mandatorily measured at </span><span class=\"S4184 S483 S2\" id=\"t24_190\">fair value through profit or loss </span><span class=\"S4185 S482 S2\" id=\"t25_190\">1 </span><span class=\"S4186 S483 S2\" id=\"t26_190\">1,067,830 </span><span class=\"S4187 S483 S2\" id=\"t27_190\">- </span><span class=\"S4188 S483 S2\" id=\"t28_190\">258,658 </span><span class=\"S4189 S483 S2\" id=\"t29_190\">(81,764) </span><span class=\"S418A S483 S2\" id=\"t2a_190\">(1,490) </span><span class=\"S418B S483 S2\" id=\"t2b_190\">3,885 </span><span class=\"S418C S483 S2\" id=\"t2c_190\">- </span><span class=\"S418D S483 S2\" id=\"t2d_190\">(11) </span><span class=\"S418E S483 S2\" id=\"t2e_190\">306 </span><span class=\"S418F SC43 S2\" id=\"t2f_190\">1,247,414 </span><span class=\"S4190 SC43 S2\" id=\"t2g_190\">Financial assets measured </span><span class=\"S4191 SC43 S2\" id=\"t2h_190\">at fair value total </span><span class=\"S4192 SC43 S2\" id=\"t2i_190\">1,154,550 </span><span class=\"S4193 SC43 S2\" id=\"t2j_190\">981 </span><span class=\"S4194 SC43 S2\" id=\"t2k_190\">259,829 </span><span class=\"S4195 SC43 S2\" id=\"t2l_190\">(81,764) </span><span class=\"S4196 SC43 S2\" id=\"t2m_190\">(34,778) </span><span class=\"S4197 SC43 S2\" id=\"t2n_190\">7,280 </span><span class=\"S4198 SC43 S2\" id=\"t2o_190\">19,678 </span><span class=\"S4199 SC43 S2\" id=\"t2p_190\">(580) </span><span class=\"S419A SC43 S2\" id=\"t2q_190\">8,646 </span><span class=\"S419B SC43 S2\" id=\"t2r_190\">1,333,842 </span><span class=\"S419C S483 S2\" id=\"t2s_190\">Financial liabilities </span><span class=\"S419D S483 S2\" id=\"t2t_190\">designated at fair value </span><span class=\"S419E S483 S2\" id=\"t2u_190\">through profit or loss </span><span class=\"S419F S483 S2\" id=\"t2v_190\">41,184 </span><span class=\"S41A0 S483 S2\" id=\"t2w_190\">- </span><span class=\"S41A1 S483 S2\" id=\"t2x_190\">- </span><span class=\"S41A2 S483 S2\" id=\"t2y_190\">(1,624) </span><span class=\"S41A3 S483 S2\" id=\"t2z_190\">- </span><span class=\"S41A4 S483 S2\" id=\"t30_190\">(1,934) </span><span class=\"S41A5 S483 S2\" id=\"t31_190\">- </span><span class=\"S41A6 S483 S2\" id=\"t32_190\">- </span><span class=\"S41A7 S483 S2\" id=\"t33_190\">16,565 </span><span class=\"S41A8 SC43 S2\" id=\"t34_190\">54,191 </span><span class=\"S41A9 S483 S2\" id=\"t35_190\">Negative fair value of held-for-trading </span><span class=\"S41AA S483 S2\" id=\"t36_190\">derivative financial liabilities </span><span class=\"S41AB S483 S2\" id=\"t37_190\">- </span><span class=\"S41AC S483 S2\" id=\"t38_190\">- </span><span class=\"S41AD S483 S2\" id=\"t39_190\">- </span><span class=\"S41AE S483 S2\" id=\"t3a_190\">- </span><span class=\"S41AF S483 S2\" id=\"t3b_190\">- </span><span class=\"S41B0 S483 S2\" id=\"t3c_190\">650 </span><span class=\"S41B1 S483 S2\" id=\"t3d_190\">- </span><span class=\"S41B2 S483 S2\" id=\"t3e_190\">- </span><span class=\"S41B3 S483 S2\" id=\"t3f_190\">- </span><span class=\"S41B4 SC43 S2\" id=\"t3g_190\">650 </span><span class=\"S41B5 SC43 S2\" id=\"t3h_190\">Financial liabilities designated </span><span class=\"S41B6 SC43 S2\" id=\"t3i_190\">at fair value total </span><span class=\"S41B7 SC43 S2\" id=\"t3j_190\">41,184 </span><span class=\"S41B8 SC43 S2\" id=\"t3k_190\">- </span><span class=\"S41B9 SC43 S2\" id=\"t3l_190\">- </span><span class=\"S41BA SC43 S2\" id=\"t3m_190\">(1,624) </span><span class=\"S41BB SC43 S2\" id=\"t3n_190\">- </span><span class=\"S41BC SC43 S2\" id=\"t3o_190\">(1,284) </span><span class=\"S41BD SC43 S2\" id=\"t3p_190\">- </span><span class=\"S41BE SC43 S2\" id=\"t3q_190\">- </span><span class=\"S41BF SC43 S2\" id=\"t3r_190\">16,565 </span><span class=\"S41C0 SC43 S2\" id=\"t3s_190\">54,841 </span><span class=\"S41C1 S482 S2\" id=\"t3t_190\">1 </span><span class=\"S41C2 S483 S2\" id=\"t3u_190\">HUF 13,346 million fair value adjustment resulting from risk factors and HUF (9,991) million adjustment resulting from market factors.are included into FVA change for the current year at loans mandatorily measured </span><span class=\"S41C3 S483 S2\" id=\"t3v_190\">at fair value through profit or loss. </span><span class=\"S3B80 SB S2\" id=\"t5_191\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_191\">Fair value levels [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_191\">Movements in Level 3 financial instruments measured at fair value [continued] </span><span class=\"S41C4 SA7 S2\" id=\"t8_191\">The following table shows a reconciliation of the opening and closing amount of Level 3 financial assets and liabilities which are recorded at fair value: </span><span class=\"S1FD5 SC43 S2\" id=\"t9_191\">2021 </span><span class=\"S4142 SC43 S2\" id=\"ta_191\">Opening </span><span class=\"S4143 SC43 S2\" id=\"tb_191\">balance </span><span class=\"S4144 SC43 S2\" id=\"tc_191\">Purchase </span><span class=\"S4145 SC43 S2\" id=\"td_191\">(+) </span><span class=\"S4146 SC43 S2\" id=\"te_191\">Issuance </span><span class=\"S4147 SC43 S2\" id=\"tf_191\">/Disbursement </span><span class=\"S4148 SC43 S2\" id=\"tg_191\">(+) </span><span class=\"S4149 SC43 S2\" id=\"th_191\">Settlement / </span><span class=\"S414A SC43 S2\" id=\"ti_191\">Close (-) </span><span class=\"S414B SC43 S2\" id=\"tj_191\">Sale (-) </span><span class=\"S414C SC43 S2\" id=\"tk_191\">FVA (+/-) </span><span class=\"S414D SC43 S2\" id=\"tl_191\">Transfer (+/-) </span><span class=\"S414E SC43 S2\" id=\"tm_191\">Fx effect / </span><span class=\"S414F SC43 S2\" id=\"tn_191\">Revaluation </span><span class=\"S4150 SC43 S2\" id=\"to_191\">Other </span><span class=\"S4151 SC43 S2\" id=\"tp_191\">Closing </span><span class=\"S4152 SC43 S2\" id=\"tq_191\">balance </span><span class=\"S41C5 S483 S2\" id=\"tr_191\">Trading securities at fair value </span><span class=\"S4154 S483 S2\" id=\"ts_191\">through profit or loss </span><span class=\"S41C6 S483 S2\" id=\"tt_191\">12 </span><span class=\"S4156 S483 S2\" id=\"tu_191\">- </span><span class=\"S4157 S483 S2\" id=\"tv_191\">- </span><span class=\"S4158 S483 S2\" id=\"tw_191\">- </span><span class=\"S41C7 S483 S2\" id=\"tx_191\">- </span><span class=\"S415A S483 S2\" id=\"ty_191\">- </span><span class=\"S415B S483 S2\" id=\"tz_191\">- </span><span class=\"S415C S483 S2\" id=\"t10_191\">- </span><span class=\"S415D S483 S2\" id=\"t11_191\">(6) </span><span class=\"S41C8 SC43 S2\" id=\"t12_191\">6 </span><span class=\"S415F S483 S2\" id=\"t13_191\">Positive fair value of derivative </span><span class=\"S4160 S483 S2\" id=\"t14_191\">financial assets held for trading </span><span class=\"S41C9 S483 S2\" id=\"t15_191\">6,586 </span><span class=\"S4162 S483 S2\" id=\"t16_191\">- </span><span class=\"S4163 S483 S2\" id=\"t17_191\">- </span><span class=\"S4164 S483 S2\" id=\"t18_191\">- </span><span class=\"S216A S483 S2\" id=\"t19_191\">- </span><span class=\"S41CA S483 S2\" id=\"t1a_191\">3,584 </span><span class=\"S4167 S483 S2\" id=\"t1b_191\">- </span><span class=\"S4168 S483 S2\" id=\"t1c_191\">- </span><span class=\"S4169 S483 S2\" id=\"t1d_191\">- </span><span class=\"S41CB SC43 S2\" id=\"t1e_191\">10,170 </span><span class=\"S416B S483 S2\" id=\"t1f_191\">Non-trading securities mandatorily </span><span class=\"S416C S483 S2\" id=\"t1g_191\">at fair value through profit or loss </span><span class=\"S41CC S483 S2\" id=\"t1h_191\">15,433 </span><span class=\"S416E S483 S2\" id=\"t1i_191\">- </span><span class=\"S41CD S483 S2\" id=\"t1j_191\">390 </span><span class=\"S4170 S483 S2\" id=\"t1k_191\">- </span><span class=\"S41CE S483 S2\" id=\"t1l_191\">(4,501) </span><span class=\"S41CF S483 S2\" id=\"t1m_191\">640 </span><span class=\"S41D0 S483 S2\" id=\"t1n_191\">(57) </span><span class=\"S4174 S483 S2\" id=\"t1o_191\">256 </span><span class=\"S41D1 S483 S2\" id=\"t1p_191\">1,030 </span><span class=\"S4176 SC43 S2\" id=\"t1q_191\">13,191 </span><span class=\"S4177 S483 S2\" id=\"t1r_191\">Securities at fair value through </span><span class=\"S4178 S483 S2\" id=\"t1s_191\">other comprehensive income </span><span class=\"S41D2 S483 S2\" id=\"t1t_191\">56,906 </span><span class=\"S41D3 S483 S2\" id=\"t1u_191\">81,795 </span><span class=\"S417B S483 S2\" id=\"t1v_191\">- </span><span class=\"S41D4 S483 S2\" id=\"t1w_191\">(5,544) </span><span class=\"S41D5 S483 S2\" id=\"t1x_191\">(2,018) </span><span class=\"S41D6 S483 S2\" id=\"t1y_191\">(91) </span><span class=\"S41D7 S483 S2\" id=\"t1z_191\">(69,636) </span><span class=\"S20DF S483 S2\" id=\"t20_191\">1,813 </span><span class=\"S41D8 S483 S2\" id=\"t21_191\">128 </span><span class=\"S4182 SC43 S2\" id=\"t22_191\">63,353 </span><span class=\"S4183 S483 S2\" id=\"t23_191\">Loans mandatorily measured at </span><span class=\"S4184 S483 S2\" id=\"t24_191\">fair value through profit or loss </span><span class=\"S4185 S482 S2\" id=\"t25_191\">1 </span><span class=\"S41D9 S483 S2\" id=\"t26_191\">798,981 </span><span class=\"S4187 S483 S2\" id=\"t27_191\">- </span><span class=\"S4188 S483 S2\" id=\"t28_191\">333,931 </span><span class=\"S4189 S483 S2\" id=\"t29_191\">(41,038) </span><span class=\"S41DA S483 S2\" id=\"t2a_191\">- </span><span class=\"S41DB S483 S2\" id=\"t2b_191\">(24,044) </span><span class=\"S418C S483 S2\" id=\"t2c_191\">- </span><span class=\"S41DC S483 S2\" id=\"t2d_191\">- </span><span class=\"S41DD S483 S2\" id=\"t2e_191\">- </span><span class=\"S418F SC43 S2\" id=\"t2f_191\">1,067,830 </span><span class=\"S4190 SC43 S2\" id=\"t2g_191\">Financial assets measured </span><span class=\"S4191 SC43 S2\" id=\"t2h_191\">at fair value total </span><span class=\"S41DE SC43 S2\" id=\"t2i_191\">877,918 </span><span class=\"S41DF SC43 S2\" id=\"t2j_191\">81,795 </span><span class=\"S4194 SC43 S2\" id=\"t2k_191\">334,321 </span><span class=\"S4195 SC43 S2\" id=\"t2l_191\">(46,582) </span><span class=\"S41E0 SC43 S2\" id=\"t2m_191\">(6,519) </span><span class=\"S41E1 SC43 S2\" id=\"t2n_191\">(19,911) </span><span class=\"S41E2 SC43 S2\" id=\"t2o_191\">(69,693) </span><span class=\"S41E3 SC43 S2\" id=\"t2p_191\">2,069 </span><span class=\"S419A SC43 S2\" id=\"t2q_191\">1,152 </span><span class=\"S419B SC43 S2\" id=\"t2r_191\">1,154,550 </span><span class=\"S419C S483 S2\" id=\"t2s_191\">Financial liabilities </span><span class=\"S419D S483 S2\" id=\"t2t_191\">designated at fair value </span><span class=\"S419E S483 S2\" id=\"t2u_191\">through profit or loss </span><span class=\"S41E4 S483 S2\" id=\"t2v_191\">31,896 </span><span class=\"S41A0 S483 S2\" id=\"t2w_191\">- </span><span class=\"S41A1 S483 S2\" id=\"t2x_191\">- </span><span class=\"S41A2 S483 S2\" id=\"t2y_191\">(9,685) </span><span class=\"S41E5 S483 S2\" id=\"t2z_191\">- </span><span class=\"S41E6 S483 S2\" id=\"t30_191\">3,916 </span><span class=\"S41A5 S483 S2\" id=\"t31_191\">- </span><span class=\"S41A6 S483 S2\" id=\"t32_191\">- </span><span class=\"S41A7 S483 S2\" id=\"t33_191\">15,057 </span><span class=\"S41A8 SC43 S2\" id=\"t34_191\">41,184 </span><span class=\"S41E7 SC43 S2\" id=\"t35_191\">Financial liabilities designated </span><span class=\"S41E8 SC43 S2\" id=\"t36_191\">fair value total </span><span class=\"S41E9 SC43 S2\" id=\"t37_191\">31,896 </span><span class=\"S41AC SC43 S2\" id=\"t38_191\">- </span><span class=\"S41AD SC43 S2\" id=\"t39_191\">- </span><span class=\"S41EA SC43 S2\" id=\"t3a_191\">(9,685) </span><span class=\"S41EB SC43 S2\" id=\"t3b_191\">- </span><span class=\"S41EC SC43 S2\" id=\"t3c_191\">3,916 </span><span class=\"S41B1 SC43 S2\" id=\"t3d_191\">- </span><span class=\"S41B2 SC43 S2\" id=\"t3e_191\">- </span><span class=\"S41ED SC43 S2\" id=\"t3f_191\">15,057 </span><span class=\"S41EE SC43 S2\" id=\"t3g_191\">41,184 </span><span class=\"S41EF S482 S2\" id=\"t3h_191\">1 </span><span class=\"S41F0 S483 S2\" id=\"t3i_191\">FVA change for the previous period at loans mandatorily measured at fair value through profit or loss consists of HUF 16,289 million adjustment resulting from risk factors and HUF 7,755 million adjustment resulting </span><span class=\"S41F1 S483 S2\" id=\"t3j_191\">from market factors. </span><span class=\"S3B80 SB S2\" id=\"t5_192\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_192\">Fair value levels [continued] </span><span class=\"S1FD1 SB S2\" id=\"t7_192\">Valuation techniques on Level 2 instruments </span><span class=\"S41F2 SA7 S2\" id=\"t8_192\">The fair value of Level 2 instruments is calculated by discounting their expected interest and capital cash flows. Discounting is done with the respective swap curve of each </span><span class=\"S41F3 SA7 S2\" id=\"t9_192\">currency. </span><span class=\"S41F4 SB S2\" id=\"ta_192\">Valuation techniques and sensitivity analysis on Level 3 instruments </span><span class=\"S41F5 SA7 S2\" id=\"tb_192\">Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity </span><span class=\"S41F6 SA7 S2\" id=\"tc_192\">methodologies applied take account of the nature of the valuation techniques used, as well as the availability and reliability of observable proxy and historical date and the </span><span class=\"S41F7 SA7 S2\" id=\"td_192\">impact of using alternative models. </span><span class=\"S41F8 SA7 S2\" id=\"te_192\">The calculation is based on a range or spread data of reliable reference source or a scenario based on relevant market analysis alongside the impact of using alternative models. </span><span class=\"S41F9 SA7 S2\" id=\"tf_192\">Sensitivities are calculated without reflecting the impact of any diversification in the portfolio. </span><span class=\"S41FA SB S2\" id=\"tg_192\">Unobservable inputs used in measuring fair value </span><span class=\"S41FB SA7 S2\" id=\"th_192\">Type of financial instrument </span><span class=\"S41FC SA7 S2\" id=\"ti_192\">Valuation technique </span><span class=\"S41FD SA7 S2\" id=\"tj_192\">Significant unobservable input </span><span class=\"S41FE SA7 S2\" id=\"tk_192\">Range of estimates for </span><span class=\"S41FF SA7 S2\" id=\"tl_192\">unobservable input </span><span class=\"S4200 SA7 S2\" id=\"tm_192\">VISA C shares </span><span class=\"S4201 SA7 S2\" id=\"tn_192\">Market approach combined with expert </span><span class=\"S4202 SA7 S2\" id=\"to_192\">judgement. </span><span class=\"S4203 SA7 S2\" id=\"tp_192\">Illiquidity </span><span class=\"S4204 SA7 S2\" id=\"tq_192\">+12% / (12%) </span><span class=\"S4205 SA7 S2\" id=\"tr_192\">MFB refinancing loans </span><span class=\"S4206 SA7 S2\" id=\"ts_192\">Discounted cash flow model </span><span class=\"S4207 SA7 S2\" id=\"tt_192\">Probability of default </span><span class=\"S4208 SA7 S2\" id=\"tu_192\">+/ (20)% </span><span class=\"S4209 SA7 S2\" id=\"tv_192\">Subsidized personal loans </span><span class=\"S420A SA7 S2\" id=\"tw_192\">Discounted cash flow model </span><span class=\"S420B SA7 S2\" id=\"tx_192\">Probability of default </span><span class=\"S420C SA7 S2\" id=\"ty_192\">+/ (20)% </span><span class=\"S420D SA7 S2\" id=\"tz_192\">Subsidized personal loans </span><span class=\"S420E SA7 S2\" id=\"t10_192\">Discounted cash flow model </span><span class=\"S420F SA7 S2\" id=\"t11_192\">Operational costs </span><span class=\"S4210 SA7 S2\" id=\"t12_192\">+/ (20)% </span><span class=\"S4211 SA7 S2\" id=\"t13_192\">Subsidized personal loans </span><span class=\"S4212 SA7 S2\" id=\"t14_192\">Discounted cash flow model </span><span class=\"S4213 SA7 S2\" id=\"t15_192\">Demography </span><span class=\"S4214 SA7 S2\" id=\"t16_192\">Change in the cash flow estimation </span><span class=\"S4215 SA7 S2\" id=\"t17_192\">+/(5)% </span><span class=\"S4216 SA7 S2\" id=\"t18_192\">Ministry of Finance of Russia </span><span class=\"S4217 SA7 S2\" id=\"t19_192\">Discounted cash flow model </span><span class=\"S4218 SA7 S2\" id=\"t1a_192\">Credit risk </span><span class=\"S4219 SA7 S2\" id=\"t1b_192\">+/ (15)% </span><span class=\"S3903 SA7 S2\" id=\"t1c_192\">Ministry of Finance of Ukraine </span><span class=\"S421A SA7 S2\" id=\"t1d_192\">Discounted cash flow model </span><span class=\"S421B SA7 S2\" id=\"t1e_192\">Credit risk </span><span class=\"S421C SA7 S2\" id=\"t1f_192\">+/ (1)% </span><span class=\"S3B80 SB S2\" id=\"t5_193\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_193\">Fair value levels [continued] </span><span class=\"S421E SB S2\" id=\"t7_193\">The effect of unobservable inputs on fair value measurement </span><span class=\"S421F SA7 S2\" id=\"t8_193\">Although the Group believes that its estimates of fair value are appropriate, the use of different methodologies or assumptions could lead to different measurements of fair value. </span><span class=\"S4220 SA7 S2\" id=\"t9_193\">For fair value measurements in Level 3 changing the assumptions used to reasonably possible alternative assumptions would have the following effects. </span><span class=\"S4221 S27D S2\" id=\"ta_193\">2022 </span><span class=\"S4222 S27D S2\" id=\"tb_193\">Presentation in the Statement of Financial Position </span><span class=\"S4223 S27D S2\" id=\"tc_193\">Unobservable inputs </span><span class=\"S4224 S27D S2\" id=\"td_193\">Book value </span><span class=\"S4225 S27D S2\" id=\"te_193\">Fair values </span><span class=\"S4226 S27D S2\" id=\"tf_193\">Effect on profit and loss </span><span class=\"S4227 S27D S2\" id=\"tg_193\">Favourable </span><span class=\"S4228 S27D S2\" id=\"th_193\">Unfavourable </span><span class=\"S4229 S27D S2\" id=\"ti_193\">Favourable </span><span class=\"S422A S27D S2\" id=\"tj_193\">Unfavourable </span><span class=\"S422B S27E S2\" id=\"tk_193\">VISA C shares </span><span class=\"S422C S27E S2\" id=\"tl_193\">Non-trading instruments mandatorily at fair value </span><span class=\"S422D S27E S2\" id=\"tm_193\">through profit or loss </span><span class=\"S422E S27E S2\" id=\"tn_193\">Illiquidity </span><span class=\"S422F S27E S2\" id=\"to_193\">2,951 </span><span class=\"S4230 S27E S2\" id=\"tp_193\">3,430 </span><span class=\"S4231 S27E S2\" id=\"tq_193\">2,472 </span><span class=\"S4232 S27E S2\" id=\"tr_193\">479 </span><span class=\"S4233 S27E S2\" id=\"ts_193\">(479) </span><span class=\"S4234 S27E S2\" id=\"tt_193\">MFB refinancing loans </span><span class=\"S4235 S27E S2\" id=\"tu_193\">Financial liabilities designated at fair value through </span><span class=\"S4236 S27E S2\" id=\"tv_193\">profit or loss </span><span class=\"S4237 S27E S2\" id=\"tw_193\">Probability of default </span><span class=\"S4238 S27E S2\" id=\"tx_193\">15,483 </span><span class=\"S4239 S27E S2\" id=\"ty_193\">15,602 </span><span class=\"S423A S27E S2\" id=\"tz_193\">15,364 </span><span class=\"S423B S27E S2\" id=\"t10_193\">119 </span><span class=\"S423C S27E S2\" id=\"t11_193\">(119) </span><span class=\"S423D S27E S2\" id=\"t12_193\">Subsidised personal loans </span><span class=\"S423E S27E S2\" id=\"t13_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S423F S27E S2\" id=\"t14_193\">Probability of default </span><span class=\"S4240 S27E S2\" id=\"t15_193\">772,094 </span><span class=\"S4241 S27E S2\" id=\"t16_193\">773,281 </span><span class=\"S4242 S27E S2\" id=\"t17_193\">770,911 </span><span class=\"S4243 S27E S2\" id=\"t18_193\">1,187 </span><span class=\"S4244 S27E S2\" id=\"t19_193\">(1,183) </span><span class=\"S4245 S27E S2\" id=\"t1a_193\">Subsidised personal loans </span><span class=\"S4246 S27E S2\" id=\"t1b_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S4247 S27E S2\" id=\"t1c_193\">Operational costs </span><span class=\"S4248 S27E S2\" id=\"t1d_193\">772,094 </span><span class=\"S4249 S27E S2\" id=\"t1e_193\">777,898 </span><span class=\"S424A S27E S2\" id=\"t1f_193\">769,012 </span><span class=\"S424B S27E S2\" id=\"t1g_193\">5,804 </span><span class=\"S424C S27E S2\" id=\"t1h_193\">(3,082) </span><span class=\"S424D S27E S2\" id=\"t1i_193\">Subsidised personal loans </span><span class=\"S424E S27E S2\" id=\"t1j_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S424F S27E S2\" id=\"t1k_193\">Demography </span><span class=\"S4250 S27E S2\" id=\"t1l_193\">772,094 </span><span class=\"S4251 S27E S2\" id=\"t1m_193\">774,528 </span><span class=\"S4252 S27E S2\" id=\"t1n_193\">769,544 </span><span class=\"S4253 S27E S2\" id=\"t1o_193\">2,434 </span><span class=\"S4254 S27E S2\" id=\"t1p_193\">(2,550) </span><span class=\"S4255 S27E S2\" id=\"t1q_193\">Russian government bonds </span><span class=\"S4256 S27E S2\" id=\"t1r_193\">Trading securities at fair value through other </span><span class=\"S4257 S27E S2\" id=\"t1s_193\">comprehensive income </span><span class=\"S4258 S27E S2\" id=\"t1t_193\">Credit risk </span><span class=\"S4259 S27E S2\" id=\"t1u_193\">37,580 </span><span class=\"S425A S27E S2\" id=\"t1v_193\">50,468 </span><span class=\"S425B S27E S2\" id=\"t1w_193\">24,692 </span><span class=\"S425C S27E S2\" id=\"t1x_193\">12,888 </span><span class=\"S425D S27E S2\" id=\"t1y_193\">(12,888) </span><span class=\"S425E S27E S2\" id=\"t1z_193\">Ukrainian government </span><span class=\"S425F S27E S2\" id=\"t20_193\">bonds </span><span class=\"S4260 S27E S2\" id=\"t21_193\">Trading securities at fair value through other </span><span class=\"S4261 S27E S2\" id=\"t22_193\">comprehensive income </span><span class=\"S4262 S27E S2\" id=\"t23_193\">Credit risk </span><span class=\"S4263 S27E S2\" id=\"t24_193\">26,571 </span><span class=\"S4264 S27E S2\" id=\"t25_193\">26,571 </span><span class=\"S4265 S27E S2\" id=\"t26_193\">26,571 </span><span class=\"S4266 S27E S2\" id=\"t27_193\">- </span><span class=\"S4267 S27E S2\" id=\"t28_193\">- </span><span class=\"S4268 S27E S2\" id=\"t29_193\">Loans mandatorily at fair </span><span class=\"S4269 S27E S2\" id=\"t2a_193\">value through profit or loss </span><span class=\"S426A S27E S2\" id=\"t2b_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S426B S27E S2\" id=\"t2c_193\">Probability of default </span><span class=\"S426C S27E S2\" id=\"t2d_193\">454,164 </span><span class=\"S426D S27E S2\" id=\"t2e_193\">454,383 </span><span class=\"S426E S27E S2\" id=\"t2f_193\">453,945 </span><span class=\"S426F S27E S2\" id=\"t2g_193\">219 </span><span class=\"S4270 S27E S2\" id=\"t2h_193\">(219) </span><span class=\"S4271 S27E S2\" id=\"t2i_193\">Loans mandatorily at fair </span><span class=\"S4272 S27E S2\" id=\"t2j_193\">value through profit or loss </span><span class=\"S4273 S27E S2\" id=\"t2k_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S4274 S27E S2\" id=\"t2l_193\">Operational costs </span><span class=\"S4275 S27E S2\" id=\"t2m_193\">454,164 </span><span class=\"S4276 S27E S2\" id=\"t2n_193\">459,950 </span><span class=\"S4277 S27E S2\" id=\"t2o_193\">448,558 </span><span class=\"S4278 S27E S2\" id=\"t2p_193\">5,786 </span><span class=\"S4279 S27E S2\" id=\"t2q_193\">(5,606) </span><span class=\"S427A S27D S2\" id=\"t2r_193\">Total </span><span class=\"S427B S27D S2\" id=\"t2s_193\">3,307,195 </span><span class=\"S427C S27D S2\" id=\"t2t_193\">3,336,111 </span><span class=\"S427D S27D S2\" id=\"t2u_193\">3,281,069 </span><span class=\"S427E S27D S2\" id=\"t2v_193\">28,916 </span><span class=\"S427F S27D S2\" id=\"t2w_193\">(26,126) </span><span class=\"S4280 S27D S2\" id=\"t2x_193\">2021 </span><span class=\"S4281 S27D S2\" id=\"t2y_193\">Presentation in the Statement of Financial Position </span><span class=\"S4282 S27D S2\" id=\"t2z_193\">Unobservable </span><span class=\"S4283 S27D S2\" id=\"t30_193\">Book value </span><span class=\"S4284 S27D S2\" id=\"t31_193\">Fair values </span><span class=\"S4285 S27D S2\" id=\"t32_193\">Effect on profit and loss </span><span class=\"S4286 S27D S2\" id=\"t33_193\">Favourable </span><span class=\"S4287 S27D S2\" id=\"t34_193\">Unfavourable </span><span class=\"S4288 S27D S2\" id=\"t35_193\">Favourable </span><span class=\"S4289 S27D S2\" id=\"t36_193\">Unfavourable </span><span class=\"S428A S27E S2\" id=\"t37_193\">VISA C shares </span><span class=\"S428B S27E S2\" id=\"t38_193\">Non-trading instruments mandatorily at fair value </span><span class=\"S428C S27E S2\" id=\"t39_193\">through profit or loss </span><span class=\"S428D S27E S2\" id=\"t3a_193\">Illiquidity </span><span class=\"S428E S27E S2\" id=\"t3b_193\">5,891 </span><span class=\"S428F S27E S2\" id=\"t3c_193\">6,704 </span><span class=\"S4290 S27E S2\" id=\"t3d_193\">5,078 </span><span class=\"S4291 S27E S2\" id=\"t3e_193\">813 </span><span class=\"S4292 S27E S2\" id=\"t3f_193\">(813) </span><span class=\"S4293 S27E S2\" id=\"t3g_193\">MFB refinancing loans </span><span class=\"S4294 S27E S2\" id=\"t3h_193\">Financial liabilities designated at fair value through </span><span class=\"S4295 S27E S2\" id=\"t3i_193\">profit or loss </span><span class=\"S4296 S27E S2\" id=\"t3j_193\">Probability of default </span><span class=\"S4297 S27E S2\" id=\"t3k_193\">19,095 </span><span class=\"S4298 S27E S2\" id=\"t3l_193\">19,218 </span><span class=\"S4299 S27E S2\" id=\"t3m_193\">18,972 </span><span class=\"S429A S27E S2\" id=\"t3n_193\">123 </span><span class=\"S429B S27E S2\" id=\"t3o_193\">(123) </span><span class=\"S429C S27E S2\" id=\"t3p_193\">Subsidised personal loans </span><span class=\"S429D S27E S2\" id=\"t3q_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S429E S27E S2\" id=\"t3r_193\">Probability of default </span><span class=\"S429F S27E S2\" id=\"t3s_193\">635,416 </span><span class=\"S42A0 S27E S2\" id=\"t3t_193\">639,006 </span><span class=\"S42A1 S27E S2\" id=\"t3u_193\">631,855 </span><span class=\"S42A2 S27E S2\" id=\"t3v_193\">3,590 </span><span class=\"S42A3 S27E S2\" id=\"t3w_193\">(3,561) </span><span class=\"S42A4 S27E S2\" id=\"t3x_193\">Subsidised personal loans </span><span class=\"S42A5 S27E S2\" id=\"t3y_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42A6 S27E S2\" id=\"t3z_193\">Operational costs </span><span class=\"S42A7 S27E S2\" id=\"t40_193\">635,416 </span><span class=\"S42A8 S27E S2\" id=\"t41_193\">647,291 </span><span class=\"S42A9 S27E S2\" id=\"t42_193\">623,933 </span><span class=\"S42AA S27E S2\" id=\"t43_193\">11,875 </span><span class=\"S42AB S27E S2\" id=\"t44_193\">(11,483) </span><span class=\"S42AC S27E S2\" id=\"t45_193\">Subsidised personal loans </span><span class=\"S42AD S27E S2\" id=\"t46_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42AE S27E S2\" id=\"t47_193\">Demography </span><span class=\"S42AF S27E S2\" id=\"t48_193\">635,416 </span><span class=\"S42B0 S27E S2\" id=\"t49_193\">635,484 </span><span class=\"S42B1 S27E S2\" id=\"t4a_193\">635,387 </span><span class=\"S42B2 S27E S2\" id=\"t4b_193\">68 </span><span class=\"S42B3 S27E S2\" id=\"t4c_193\">(29) </span><span class=\"S42B4 S27E S2\" id=\"t4d_193\">Ukrainian government </span><span class=\"S42B5 S27E S2\" id=\"t4e_193\">bonds </span><span class=\"S42B6 S27E S2\" id=\"t4f_193\">Trading securities at fair value through other </span><span class=\"S42B7 S27E S2\" id=\"t4g_193\">comprehensive income </span><span class=\"S42B8 S27E S2\" id=\"t4h_193\">Credit risk </span><span class=\"S42B9 S27E S2\" id=\"t4i_193\">55,475 </span><span class=\"S42BA S27E S2\" id=\"t4j_193\">55,475 </span><span class=\"S42BB S27E S2\" id=\"t4k_193\">55,475 </span><span class=\"S42BC S27E S2\" id=\"t4l_193\">- </span><span class=\"S42BD S27E S2\" id=\"t4m_193\">- </span><span class=\"S42BE S27E S2\" id=\"t4n_193\">Loans mandatorily at fair </span><span class=\"S42BF S27E S2\" id=\"t4o_193\">value through profit or loss </span><span class=\"S42C0 S27E S2\" id=\"t4p_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42C1 S27E S2\" id=\"t4q_193\">Probability of default </span><span class=\"S42C2 S27E S2\" id=\"t4r_193\">405,819 </span><span class=\"S42C3 S27E S2\" id=\"t4s_193\">406,368 </span><span class=\"S42C4 S27E S2\" id=\"t4t_193\">405,272 </span><span class=\"S42C5 S27E S2\" id=\"t4u_193\">549 </span><span class=\"S42C6 S27E S2\" id=\"t4v_193\">(547) </span><span class=\"S42C7 S27E S2\" id=\"t4w_193\">Loans mandatorily at fair </span><span class=\"S42C8 S27E S2\" id=\"t4x_193\">value through profit or loss </span><span class=\"S42C9 S27E S2\" id=\"t4y_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42CA S27E S2\" id=\"t4z_193\">Operational costs </span><span class=\"S42CB S27E S2\" id=\"t50_193\">405,819 </span><span class=\"S42CC S27E S2\" id=\"t51_193\">412,873 </span><span class=\"S42CD S27E S2\" id=\"t52_193\">399,025 </span><span class=\"S42CE S27E S2\" id=\"t53_193\">7,054 </span><span class=\"S42CF S27E S2\" id=\"t54_193\">(6,794) </span><span class=\"S42D0 S27D S2\" id=\"t55_193\">Total </span><span class=\"S42D1 S27D S2\" id=\"t56_193\">2,798,347 </span><span class=\"S42D2 S27D S2\" id=\"t57_193\">2,822,419 </span><span class=\"S42D3 S27D S2\" id=\"t58_193\">2,774,997 </span><span class=\"S42D4 S27D S2\" id=\"t59_193\">24,072 </span><span class=\"S42D5 S27D S2\" id=\"t5a_193\">(23,350) </span><span class=\"S7D9 SB S2\" id=\"t5_194\">48.4. </span><span class=\"S6E5 SB S2\" id=\"t6_194\">Fair value levels [continued] </span><span class=\"S42D6 SB S2\" id=\"t7_194\">The effect of unobservable inputs on fair value measurement [continued] </span><span class=\"S5BF SA7 S2\" id=\"t8_194\">The favourable and unfavourable effects of using reasonably possible alternative assumptions for the valuation of </span><span class=\"S42D7 SA7 S2\" id=\"t9_194\">Visa C shares have been calculated by modifying the discount rate used for the valuation by +/-12% as being the </span><span class=\"S842 SA7 S2\" id=\"ta_194\">best estimates of the management as at 31 December 2022 and 31 December 2021 respectively. </span><span class=\"S42D8 S5B9 S2\" id=\"tb_194\">In the case of Hungarian Development Bank (\u201cMFB\u201d) refinancing loans and subsidised personal loans the Bank </span><span class=\"S42D9 SA7 S2\" id=\"tc_194\">calculated the favourable and unfavourable effects of using reasonably possible alternative assumptions by </span><span class=\"S383F SA7 S2\" id=\"td_194\">modifying the rates of probability of default by +/- 20% as one of the most significant unobservable inputs. </span><span class=\"S42DA SA7 S2\" id=\"te_194\">In case of subsidised personal loans operational cost and factors related to demography are considered as </span><span class=\"S7E3 SA7 S2\" id=\"tf_194\">unobservable inputs to the applied fair value calculation model in addition to credit risk. </span><span class=\"S42DB SA7 S2\" id=\"tg_194\">The Bank calculated the favourable and unfavourable effects of using reasonably possible alternative assumptions </span><span class=\"S38AF SA7 S2\" id=\"th_194\">by modifying the rates of operational costs by +/- 20% as one of the most significant unobservable inputs. </span><span class=\"SC97 SA7 S2\" id=\"ti_194\">In case of subsidised personal loans cash flow estimation are based on assumption related to the future number of </span><span class=\"S42DC SA7 S2\" id=\"tj_194\">childbirths performed by the debtors both in the current and the comparative period. According to the assumptions </span><span class=\"S42DD SA7 S2\" id=\"tk_194\">used in comparative period 15% of the debtors will not fulfill the conditions of the subsidy determined by the </span><span class=\"S42DE S5B9 S2\" id=\"tl_194\">government after 5 years (\u201cbreach of conditions\u201d), thereby debtors will be obliged to pay back the interest subsidy </span><span class=\"S42DF SA7 S2\" id=\"tm_194\">given in advance. Furthermore, in this case subsidised loans are converted to loans provided based on market </span><span class=\"S42E0 SA7 S2\" id=\"tn_194\">conditions. Loans are prepaid by the government as part of the subsidy after the second and the third childbirth </span><span class=\"S42E1 SA7 S2\" id=\"to_194\">following the signatory of the loan contract. The Bank calculated the favourable and unfavourable effects of using </span><span class=\"S42E2 SA7 S2\" id=\"tp_194\">reasonably possible alternative assumptions by modifying the demographical assumption of breach of conditions </span><span class=\"S1753 SA7 S2\" id=\"tq_194\">by +/- 5% as the most significant unobservable input in the cash flow estimation. </span><span class=\"S42E3 SA7 S2\" id=\"tr_194\">For the year ended 31 December 2022 the Bank used a new and more detailed model for cash flow calculations of </span><span class=\"S42E4 SA7 S2\" id=\"ts_194\">the subsidised personal loans. The new model uses more scenarios compared to the previous one. These scenarios </span><span class=\"S42E5 SA7 S2\" id=\"tt_194\">based on the above-mentioned events (child births after signatory and breach of conditions) and also the event of </span><span class=\"S42E6 SA7 S2\" id=\"tu_194\">divorce. The model uses public statistical information for these events to estimate. The Bank calculated the </span><span class=\"S42E7 SA7 S2\" id=\"tv_194\">favourable and unfavourable effects of using reasonably possible alternative assumptions by modifying the </span><span class=\"S42E8 SA7 S2\" id=\"tw_194\">demographical assumption of future child births by +/-5% as one of the most significant unobservable inputs in </span><span class=\"S42E9 SA7 S2\" id=\"tx_194\">the cash flow estimation. </span><span class=\"S42EA SA7 S2\" id=\"ty_194\">The favourable and unfavourable effects of using reasonably possible alternative assumptions for the valuation of </span><span class=\"S42EB SA7 S2\" id=\"tz_194\">FVOCI securities have been calculated by modifying the discount rate used for the valuation by +/-15% and +/- </span><span class=\"S42EC SA7 S2\" id=\"t10_194\">1% as being the best estimates of the management as at 31 December 2022 and 2021 respectively. </span><span class=\"SFA4 SB S2\" id=\"t3_195\">NOTE 49: </span><span class=\"S42ED SB S2\" id=\"t4_195\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF </span><span class=\"S42EE SB S2\" id=\"t5_195\">mn) </span><span class=\"S42EF SA7 S2\" id=\"t6_195\">The Group distinguishes business and geographical segments. The report on the base of the business and </span><span class=\"S7DB SA7 S2\" id=\"t7_195\">geographical segments is reported below. </span><span class=\"S42F0 SA7 S2\" id=\"t8_195\">The reportable segments of the Group on the base of IFRS 8 are as the follows: </span><span class=\"S42F1 SA7 S2\" id=\"t9_195\">OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, </span><span class=\"S7DE SA7 S2\" id=\"ta_195\">Slovenia, Merkantil Group, Asset Management subsidiaries, Other subsidiaries and Corporate Center. </span><span class=\"S42F2 SA7 S2\" id=\"tb_195\">OTP Core is an economic unit for measuring the result of core business activity of the Group in Hungary. </span><span class=\"S42F3 SA7 S2\" id=\"tc_195\">Financials for OTP Core are calculated from the partially Consolidated Financial Statements of the companies </span><span class=\"S42F4 S5B9 S2\" id=\"td_195\">engaged in the Group\u2019s underlying banking operation in Hungary. These companies inc </span><span class=\"S42F5 SA7 S2\" id=\"te_195\">lude OTP Bank Hungary </span><span class=\"S42F6 SA7 S2\" id=\"tf_195\">Plc, OTP Mortgage Bank Ltd., OTP Building Society Ltd., OTP Factoring Ltd., OTP Financial Point Ltd., and </span><span class=\"S848 SA7 S2\" id=\"tg_195\">companies providing intragroup financing. The Bank Employee Stock Ownership Plan Organization was included </span><span class=\"S42F7 SA7 S2\" id=\"th_195\">from the fourth quarter of 2016; OTP Card Factory Ltd., OTP Facility Management Llc., Monicomp Ltd. and OTP </span><span class=\"S42F8 SA7 S2\" id=\"ti_195\">Real Estate Lease Ltd. were included from the first quarter of 2017 (from the first quarter of 2019 OTP Real Estate </span><span class=\"S42F9 SA7 S2\" id=\"tj_195\">Lease Ltd. was eliminated from OTP Core); OTP Mobile Service Llc., OTP Ingatlanpont Llc. were included from </span><span class=\"S42FA SA7 S2\" id=\"tk_195\">the first quarter of 2019, OTP Ecosystem Ltd. (previous name: OTP eBIZ Ltd.) from the first quarter of 2020 and </span><span class=\"S42FB SA7 S2\" id=\"tl_195\">OTP Home Solutions Ltd. was included from the second quarter of 2021. The consolidated accounting results of </span><span class=\"SAE7 SA7 S2\" id=\"tm_195\">these companies are segmented into OTP Core and Corporate Centre. The latter is a virtual entity. </span><span class=\"S42FC SA7 S2\" id=\"tn_195\">Within the Group, the Corporate Centre acts as a virtual entity established by the equity investment of OTP Core </span><span class=\"S42FD SA7 S2\" id=\"to_195\">for managing the wholesale financing activity for all the subsidiaries within the Group but outside OTP Core. </span><span class=\"S42FE SA7 S2\" id=\"tp_195\">Therefore, the balance sheet of the Corporate Centre is funded by the equity and intragroup lending received from </span><span class=\"S42FF SA7 S2\" id=\"tq_195\">OTP Core, the intragroup lending received from other subsidiaries, and the subordinated debt and senior notes </span><span class=\"S4300 SA7 S2\" id=\"tr_195\">arranged by OTP under its running EMTN program. </span><span class=\"S4301 SA7 S2\" id=\"ts_195\">From this funding pool, the Corporate Centre is to provide intragroup lending to, and hold equity stakes in OTP </span><span class=\"S4302 SA7 S2\" id=\"tt_195\">subsidiaries outside OTP Core. Main subsidiaries financed by Corporate Centre are as follows: Hungarians: </span><span class=\"S4303 SA7 S2\" id=\"tu_195\">Merkantil Bank Ltd, OTP Real Estate Lease Ltd, OTP Fund Management Ltd, OTP Real Estate Investment Fund </span><span class=\"S4304 SA7 S2\" id=\"tv_195\">Management Ltd, OTP Life Annuity Ltd; foreigners: banks, leasing companies, factoring companies. </span><span class=\"S4305 SA7 S2\" id=\"tw_195\">The results of foreign factoring companies (OTP Factoring Ukraine LLC, OTP Factoring SRL, OTP Factoring </span><span class=\"S4306 SA7 S2\" id=\"tx_195\">Bulgaria LLC, OTP Factoring Serbia d.o.o., and OTP Debt Collection d.o.o. (formerly known as: OTP Factoring </span><span class=\"S4307 SA7 S2\" id=\"ty_195\">Montenegro d.o.o.), as well as the foreign leasing companies are included into the relevant foreign bank</span><span class=\"S4308 S5B9 S2\" id=\"tz_195\">\u2019</span><span class=\"S4309 SA7 S2\" id=\"t10_195\">s segment. </span><span class=\"S430A SA7 S2\" id=\"t11_195\">The Other subsidiaries include, among others: OTP Real Estate Ltd., OTP Life Annuity Ltd, OTP Funds Servicing </span><span class=\"S18A6 SA7 S2\" id=\"t12_195\">and Consulting Ltd. </span><span class=\"S430B SA7 S2\" id=\"t13_195\">The reportable business and geographical segments of the Group are those components where: </span><span class=\"S430C S40F7 S2\" id=\"t14_195\">- </span><span class=\"S430D SA7 S2\" id=\"t15_195\">separated income and expenses, assets and liabilities can be identified and assignable to the segments, </span><span class=\"S430E S40F7 S2\" id=\"t16_195\">- </span><span class=\"S430F SA7 S2\" id=\"t17_195\">transactions between the different segments were eliminated, </span><span class=\"S4310 S40F7 S2\" id=\"t18_195\">- </span><span class=\"S4311 SA7 S2\" id=\"t19_195\">the main decisive board of the Group regularly controls the operating results, </span><span class=\"S4312 S40F7 S2\" id=\"t1a_195\">- </span><span class=\"S4313 SA7 S2\" id=\"t1b_195\">separated financial information is available. </span><span class=\"SFA4 SB S2\" id=\"t3_196\">NOTE 49: </span><span class=\"S13FD SB S2\" id=\"t4_196\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF </span><span class=\"S4314 SB S2\" id=\"t5_196\">mn) [continued] </span><span class=\"S4315 SB S2\" id=\"t6_196\">Adjustments </span><span class=\"S375B SB S2\" id=\"t7_196\">Goodwill / investment impairment and their tax shield effect: </span><span class=\"S4316 SA7 S2\" id=\"t8_196\">According to the accounting standards the effect of the goodwill impairment of JSC </span><span class=\"S4317 S5B9 S2\" id=\"t9_196\">\u201c</span><span class=\"S4318 SA7 S2\" id=\"ta_196\">OTP Bank</span><span class=\"S4319 S5B9 S2\" id=\"tb_196\">\u201d </span><span class=\"S431A SA7 S2\" id=\"tc_196\">(Russia) was </span><span class=\"S431B SA7 S2\" id=\"td_196\">HUF 67,714 million in the first quarter of 2022, which equals to the original RUB 9,395 million amount and the </span><span class=\"S431C SA7 S2\" id=\"te_196\">historic FX rate at the time of entry. However, due to the change in RUB exchange rate against HUF until the </span><span class=\"S431D SA7 S2\" id=\"tf_196\">booking of the goodwill impairment, there was a revaluation gain of HUF 26,848 million booked directly against </span><span class=\"S431E S5B9 S2\" id=\"tg_196\">equity. Thus, the goodwill impairment\u2019s net impact on the shareholders\u2019 equity was HUF (40,866) million (before </span><span class=\"S7AE SA7 S2\" id=\"th_196\">tax). </span><span class=\"S431F SA7 S2\" id=\"ti_196\">Furthermore, in the first quarter of 2022 investment impairment was booked in relation to the Russian, Ukrainian </span><span class=\"S4320 SA7 S2\" id=\"tj_196\">and Moldovan subsidiary banks. The impairments themselves are eliminated on consolidated level, therefore they </span><span class=\"S4321 SA7 S2\" id=\"tk_196\">do not have an effect for the consolidated profit or loss, but their positive tax shield is still recognized in the </span><span class=\"S4322 SA7 S2\" id=\"tl_196\">consolidated profit or loss (+HUF 11,400 million effect). </span><span class=\"S4323 SA7 S2\" id=\"tm_196\">In the third quarter of 2022 HUF 1.8 billion corporate tax effect emerged in the wake of the impairment booked in </span><span class=\"S4324 SA7 S2\" id=\"tn_196\">relation to the revaluation of the subsidiary investment in OTP Mortgage Bank. </span><span class=\"S4325 SA7 S2\" id=\"to_196\">In the fourth quarter of 2022 HUF (4.8) billion corporate tax effect emerged due to the reversal of impairment </span><span class=\"SA2E SA7 S2\" id=\"tp_196\">booked mainly in relation to the revaluation of the investment in the Russian and Serbian subsidiaries. </span><span class=\"S4326 SA7 S2\" id=\"tq_196\">As at 31 December 2021 HUF 39,546 million impairment was booked on the investment in OTP Bank Romania </span><span class=\"S4327 SA7 S2\" id=\"tr_196\">S.A. on which HUF 3,559 million positive tax effect was recognized, HUF 9,906 million impairment release was </span><span class=\"S4328 SA7 S2\" id=\"ts_196\">booked on OTP Banka Srbija a.d. on which HUF 892 million negative tax effect was recognized, 16,628 million </span><span class=\"S4329 SA7 S2\" id=\"tt_196\">impairment release was booked on Crnogorska komercjalna banka a.d. on which HUF 1,496 million negative tax </span><span class=\"S432A SA7 S2\" id=\"tu_196\">effect was recognized, 8,463 million impairment was booked on Monicomp Ltd. on which HUF 763 million </span><span class=\"S1CF4 SA7 S2\" id=\"tv_196\">positive tax effect was recognized. </span><span class=\"S75A SB S2\" id=\"tw_196\">Special taxes on financial institutions (after income tax): </span><span class=\"S432B SA7 S2\" id=\"tx_196\">The after-tax effect of the special tax on financial institutions payable in Hungary since 2010 reached HUF 20.2 </span><span class=\"S432C SA7 S2\" id=\"ty_196\">billion for full-year 2022, the whole amount was booked in the first quarter. Furthermore, for 2022 the after-tax </span><span class=\"S432D SA7 S2\" id=\"tz_196\">burden of the windfall tax (announced by the Hungarian Government on 4 June and payable temporarily in 2022 </span><span class=\"S432E SA7 S2\" id=\"t10_196\">and 2023) was HUF 67.9 billion, accounted for in a lump sum in the second quarter. Thirdly, the newly introduced </span><span class=\"S432F SA7 S2\" id=\"t11_196\">special tax on certain companies in Croatia was booked in the fourth quarter of 2022 with an after-tax effect of </span><span class=\"S4330 SA7 S2\" id=\"t12_196\">HUF (3.2) billion. </span><span class=\"S4331 SB S2\" id=\"t13_196\">Effect of acquisitions (after income tax): </span><span class=\"S4332 SA7 S2\" id=\"t14_196\">The following main items appeared on this line in the period under review: the integration costs of the acquired </span><span class=\"S4333 SA7 S2\" id=\"t15_196\">banks and other direct effects related to the acquisitions (such as customer base value amortisation). </span><span class=\"S4334 SB S2\" id=\"t16_196\">Moratorium one-off effect: </span><span class=\"SB3C SA7 S2\" id=\"t17_196\">During the term of the moratorium OTP Bank accrues the unpaid interest in its statement of recognized income, </span><span class=\"S4335 SA7 S2\" id=\"t18_196\">amongst the revenues. At the same time, due to the fact that interest cannot be charged on the unpaid interest, and </span><span class=\"S2916 SA7 S2\" id=\"t19_196\">the </span><span class=\"S4336 SA7 S2\" id=\"t1a_196\">unpaid </span><span class=\"S4337 SA7 S2\" id=\"t1b_196\">interest </span><span class=\"S4338 SA7 S2\" id=\"t1c_196\">will </span><span class=\"S4339 SA7 S2\" id=\"t1d_196\">be </span><span class=\"S433A SA7 S2\" id=\"t1e_196\">repaid </span><span class=\"S433B SA7 S2\" id=\"t1f_196\">later, </span><span class=\"S433C SA7 S2\" id=\"t1g_196\">in </span><span class=\"S433D SA7 S2\" id=\"t1h_196\">the </span><span class=\"S433E SA7 S2\" id=\"t1i_196\">course </span><span class=\"S433F SA7 S2\" id=\"t1j_196\">of </span><span class=\"S4340 SA7 S2\" id=\"t1k_196\">2020, </span><span class=\"S4341 SA7 S2\" id=\"t1l_196\">2021 </span><span class=\"S4342 SA7 S2\" id=\"t1m_196\">and </span><span class=\"S4343 SA7 S2\" id=\"t1n_196\">2022 </span><span class=\"S4344 SA7 S2\" id=\"t1o_196\">altogether </span><span class=\"S4345 SA7 S2\" id=\"t1p_196\">HUF 44.1 billion one-off after tax loss emerged in Hungary. </span><span class=\"SFA4 SB S2\" id=\"t3_197\">NOTE 49: </span><span class=\"S13FD SB S2\" id=\"t4_197\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF </span><span class=\"S4314 SB S2\" id=\"t5_197\">mn) [continued] </span><span class=\"S17D8 SB S2\" id=\"t6_197\">Adjustments [continued] </span><span class=\"S6B4 SB S2\" id=\"t7_197\">Impairments on Russian government bonds at OTP Core and DSK Bank: </span><span class=\"S4346 SA7 S2\" id=\"t8_197\">As at 31 December 2022 the face value of Russian government bonds held by OTP Bank and DSK Bank comprised </span><span class=\"S4347 SA7 S2\" id=\"t9_197\">HUF 135.7 billion. </span><span class=\"S4348 SA7 S2\" id=\"ta_197\">During the first quarter those exposures were shifted into the Stage 3 category, and altogether HUF 38.3 billion </span><span class=\"S4349 SA7 S2\" id=\"tb_197\">impairments were recognized in the course of 2022 (mainly in the first quarter) in relation to those exposures, </span><span class=\"S8B2 SA7 S2\" id=\"tc_197\">resulting in an after-tax negative effect of HUF 34.8 billion. </span><span class=\"S434A SA7 S2\" id=\"td_197\">Also, the fair value of those exposures that are measured at fair value was reduced through a negative fair value </span><span class=\"S434B SA7 S2\" id=\"te_197\">adjustment recognized within the comprehensive income statement. As a combined effect of the above two factors, </span><span class=\"S434C SA7 S2\" id=\"tf_197\">the net book value of these Russian bonds held by OTP Bank in Hungary and DSK Bank in Bulgaria stood at HUF </span><span class=\"S1E52 SA7 S2\" id=\"tg_197\">62 billion. </span><span class=\"S84F SB S2\" id=\"th_197\">Effect of the liquidation of Sberbank Hungary: </span><span class=\"S434D SA7 S2\" id=\"ti_197\">The liquidation of Sberbank Hungary resulted in an after-tax effect of HUF (10.4) billion. In the second quarter </span><span class=\"S434E SA7 S2\" id=\"tj_197\">the Hungarian Group members were obliged to pay HUF 28.5 billion extraordinary contribution to the National </span><span class=\"S434F SA7 S2\" id=\"tk_197\">Deposit Insurance Fund. At the same time this amount was offset by the expected recovery from the already </span><span class=\"S4350 S5B9 S2\" id=\"tl_197\">completed sale of Sberbank\u2019s assets. </span><span class=\"S4351 SB S2\" id=\"tm_197\">Interest rate cap Hungary: </span><span class=\"S4352 SA7 S2\" id=\"tn_197\">For the period between 1 January and 30 June 2022 the Hungarian Government introduced an interest rate cap for </span><span class=\"S4353 SA7 S2\" id=\"to_197\">variable-rate retail mortgage loans, and for housing purposes financial leasing contracts, too. </span><span class=\"S4354 SA7 S2\" id=\"tp_197\">Pursuant to </span><span class=\"S4355 SA7 S2\" id=\"tq_197\">Government Decree, the Government extended the interest rate cap by an additional 6 months, that is until 31 </span><span class=\"S4356 SA7 S2\" id=\"tr_197\">December 2022. The expected one-off effect of the extension of the interest rate cap amounted to HUF (10.1) </span><span class=\"S9E4 SA7 S2\" id=\"ts_197\">billion (after tax) and was booked in the second quarter of 2022. On 22 October 2022 the Government announced </span><span class=\"S4357 SA7 S2\" id=\"tt_197\">that starting from 15 November until 30 June 2023, the reference rate of certain MSE loans will also be capped </span><span class=\"S4358 SA7 S2\" id=\"tu_197\">and the provisions shall be applied to HUF denominated, non-subsidized, floating rate loans to micro and small </span><span class=\"S4359 SA7 S2\" id=\"tv_197\">enterprises and financial lease contracts, excluding overdraft loan agreements. The expected negative after tax </span><span class=\"S435A SA7 S2\" id=\"tw_197\">effect of the measures taken in October 2022 amounted to HUF 26.4 billion and was accounted for in the fourth </span><span class=\"S5D9 SA7 S2\" id=\"tx_197\">quarter of 2022 in one sum. </span><span class=\"S435B SB S2\" id=\"ty_197\">Explanation to the segments in the following table below: </span><span class=\"S435C SB S2\" id=\"tz_197\">3; 4; 6: </span><span class=\"S435D SA7 S2\" id=\"t10_197\">The segments distinguished by geographical basis contain banks in that country and sometimes other </span><span class=\"S435E SA7 S2\" id=\"t11_197\">financial institutions (like leasing or factoring companies) or other companies. The incomes mainly arises from </span><span class=\"S435F SA7 S2\" id=\"t12_197\">providing financial services like: collecting deposits, granting loans, leasing and treasury activities, payment and </span><span class=\"S4360 SA7 S2\" id=\"t13_197\">investment services and other financial services. </span><span class=\"S4361 SB S2\" id=\"t14_197\">7: </span><span class=\"S4362 SA7 S2\" id=\"t15_197\">Merkantil Group conducts leasing activities in Hungary, originates its income from providing leasing services </span><span class=\"S3B49 SA7 S2\" id=\"t16_197\">(financing cars and production equipment). </span><span class=\"S4363 SB S2\" id=\"t17_197\">8: </span><span class=\"S4364 SA7 S2\" id=\"t18_197\">Incomes arising in this segment is mainly fee income of fund management companies in Hungary, Bulgaria, </span><span class=\"SAA6 SA7 S2\" id=\"t19_197\">Romania, Ukraine based on capital in investment funds or assets in funds. </span><span class=\"S4365 SB S2\" id=\"t1a_197\">9: </span><span class=\"S4366 SA7 S2\" id=\"t1b_197\">The activities of other Hungarian and foreign subsidiaries are very divergent, so their income also originates </span><span class=\"S4367 SA7 S2\" id=\"t1c_197\">from different sources. The main part of the income in the Other subsidiaries segment comes from the activities </span><span class=\"S4368 SA7 S2\" id=\"t1d_197\">of OTP Funds Servicing and Consulting, OTP Real Estate, OTP Real Estate Fund Management and PortfoLion </span><span class=\"S4369 SA7 S2\" id=\"t1e_197\">Funds. </span><span class=\"S436A SB S2\" id=\"t1f_197\">10: </span><span class=\"S436B SA7 S2\" id=\"t1g_197\">Net interest income of Corporate Centre includes interest expense on liabilities and interest income on assets </span><span class=\"S436C SA7 S2\" id=\"t1h_197\">allocated into this segment. </span><span class=\"S1123 SB S2\" id=\"t3_198\">NOTE 49: </span><span class=\"S436D SB S2\" id=\"t4_198\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_198\">Information regarding the Group\u2019s reportable segments is presented below: </span><span class=\"S436F SB S2\" id=\"t6_198\">As at 31 December 2022 </span><span class=\"S4370 S27D S2\" id=\"t7_198\">Main components of the consolidated statement of profit or loss in HUF million </span><span class=\"S4371 S27D S2\" id=\"t8_198\">OTP Group - in the </span><span class=\"S4372 S27D S2\" id=\"t9_198\">consolidated statement of </span><span class=\"S4373 S27D S2\" id=\"ta_198\">profit or loss - structure of </span><span class=\"S4374 S27D S2\" id=\"tb_198\">accounting reports </span><span class=\"S4375 S27E S2\" id=\"tc_198\">Adjustments on the </span><span class=\"S4376 S27E S2\" id=\"td_198\">accounting in Recognized </span><span class=\"S4377 S27E S2\" id=\"te_198\">Income </span><span class=\"S4378 S27D S2\" id=\"tf_198\">OTP Group - in the </span><span class=\"S4379 S27D S2\" id=\"tg_198\">consolidated statement of </span><span class=\"S437A S27D S2\" id=\"th_198\">profit or loss - structure of </span><span class=\"S437B S27D S2\" id=\"ti_198\">management reports </span><span class=\"S437C S27D S2\" id=\"tj_198\">a </span><span class=\"S437D S27E S2\" id=\"tk_198\">b </span><span class=\"S437E S27D S2\" id=\"tl_198\">1=a+b </span><span class=\"S437F S27D S2\" id=\"tm_198\">Profit after income tax for the year from continued and </span><span class=\"S4380 S27D S2\" id=\"tn_198\">discontinued operations </span><span class=\"S3F80 S27D S2\" id=\"to_198\">347,081 </span><span class=\"S4381 S27D S2\" id=\"tp_198\">347,081 </span><span class=\"S4382 S27D S2\" id=\"tq_198\">Profit after income tax for the year from discontinued operations </span><span class=\"S4383 S27D S2\" id=\"tr_198\">11,444 </span><span class=\"S4384 S27D S2\" id=\"ts_198\">11,444 </span><span class=\"S4385 S27D S2\" id=\"tt_198\">Profit after income tax for the year from continued operations </span><span class=\"S4386 S27D S2\" id=\"tu_198\">335,637 </span><span class=\"S4387 S27D S2\" id=\"tv_198\">335,637 </span><span class=\"S4388 S27D S2\" id=\"tw_198\">Adjustments (total) </span><span class=\"S4389 S27D S2\" id=\"tx_198\">(245,468) </span><span class=\"S438A S27D S2\" id=\"ty_198\">(245,468) </span><span class=\"S438B S27E S2\" id=\"tz_198\">Dividends and net cash transfers (after income tax) </span><span class=\"S438C S27E S2\" id=\"t10_198\">1,927 </span><span class=\"S438D S27E S2\" id=\"t11_198\">1,927 </span><span class=\"S438E S27E S2\" id=\"t12_198\">Goodwill /investment impairment (after income tax) </span><span class=\"S438F S27E S2\" id=\"t13_198\">(59,254) </span><span class=\"S4390 S27E S2\" id=\"t14_198\">(59,254) </span><span class=\"S4391 S27E S2\" id=\"t15_198\">Special tax on financial institutions (after income tax) </span><span class=\"S4392 S27E S2\" id=\"t16_198\">(91,353) </span><span class=\"S4393 S27E S2\" id=\"t17_198\">(91,353) </span><span class=\"S4394 S27E S2\" id=\"t18_198\">Effect of acquisition (after income tax) </span><span class=\"S4395 S27E S2\" id=\"t19_198\">(15,594) </span><span class=\"S4396 S27E S2\" id=\"t1a_198\">(15,594) </span><span class=\"S4397 S27E S2\" id=\"t1b_198\">Expected one-off negative effect of the debt repayment </span><span class=\"S4398 S27E S2\" id=\"t1c_198\">moratorium in Hungary (after income tax) </span><span class=\"S4399 S27E S2\" id=\"t1d_198\">(2,473) </span><span class=\"S439A S27E S2\" id=\"t1e_198\">(2,473) </span><span class=\"S439B S27E S2\" id=\"t1f_198\">Result of the treasury share swap agreement </span><span class=\"S439C S27E S2\" id=\"t1g_198\">at OTP Core (after income tax) </span><span class=\"S439D S27E S2\" id=\"t1h_198\">3,028 </span><span class=\"S439E S27E S2\" id=\"t1i_198\">3,028 </span><span class=\"S439F S27E S2\" id=\"t1j_198\">Loss allowance on Russian government bonds at OTP Core and DSK Bank </span><span class=\"S43A0 S27E S2\" id=\"t1k_198\">(after income tax) </span><span class=\"S43A1 S27E S2\" id=\"t1l_198\">(34,775) </span><span class=\"S43A2 S27E S2\" id=\"t1m_198\">(34,775) </span><span class=\"S43A3 S27E S2\" id=\"t1n_198\">Effect of the winding up of Sberbank Hungary (after income tax) </span><span class=\"S43A4 S27E S2\" id=\"t1o_198\">(10,389) </span><span class=\"S43A5 S27E S2\" id=\"t1p_198\">(10,389) </span><span class=\"S43A6 S27E S2\" id=\"t1q_198\">Expected one-off effect of the extension of the interest rate cap </span><span class=\"S43A7 S27E S2\" id=\"t1r_198\">for certain retail loans in Hungary (after income tax) </span><span class=\"S43A8 S27E S2\" id=\"t1s_198\">(36,585) </span><span class=\"S43A9 S27E S2\" id=\"t1t_198\">(36,585) </span><span class=\"S43AA S483 S2\" id=\"t1u_198\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_199\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_199\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_199\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t6_199\">As at 31 December 2022 [continued] </span><span class=\"S43AD SC43 S2\" id=\"t7_199\">Main components of the consolidated statement of profit or loss </span><span class=\"S43AE SC43 S2\" id=\"t8_199\">in HUF million </span><span class=\"S43AF SC43 S2\" id=\"t9_199\">OTP Group - in the </span><span class=\"S43B0 SC43 S2\" id=\"ta_199\">consolidated statement </span><span class=\"S43B1 SC43 S2\" id=\"tb_199\">of profit or loss - </span><span class=\"S43B2 SC43 S2\" id=\"tc_199\">structure of accounting </span><span class=\"S43B3 SC43 S2\" id=\"td_199\">reports </span><span class=\"S43B4 S483 S2\" id=\"te_199\">Adjustments </span><span class=\"S43B5 S483 S2\" id=\"tf_199\">on the </span><span class=\"S43B6 S483 S2\" id=\"tg_199\">accounting in </span><span class=\"S43B7 S483 S2\" id=\"th_199\">Recognized </span><span class=\"S43B8 S483 S2\" id=\"ti_199\">Income </span><span class=\"S43B9 SC43 S2\" id=\"tj_199\">OTP Group - in the </span><span class=\"S43BA SC43 S2\" id=\"tk_199\">consolidated </span><span class=\"S43BB SC43 S2\" id=\"tl_199\">statement of profit or </span><span class=\"S43BC SC43 S2\" id=\"tm_199\">loss - structure of </span><span class=\"S43BD SC43 S2\" id=\"tn_199\">management reports </span><span class=\"S43BE S483 S2\" id=\"to_199\">Hungarian segment and </span><span class=\"S43BF S483 S2\" id=\"tp_199\">other foreign </span><span class=\"S43C0 S483 S2\" id=\"tq_199\">subsidiaries not reported </span><span class=\"S43C1 S483 S2\" id=\"tr_199\">in \"Foreign bank </span><span class=\"S43C2 S483 S2\" id=\"ts_199\">segment\" subtotal </span><span class=\"S43C3 S483 S2\" id=\"tt_199\">(without adjustments) </span><span class=\"S43C4 S483 S2\" id=\"tu_199\">Foreign banks in </span><span class=\"S43C5 S483 S2\" id=\"tv_199\">EU subtotal </span><span class=\"S43C6 S483 S2\" id=\"tw_199\">(without </span><span class=\"S43C7 S483 S2\" id=\"tx_199\">adjustments) </span><span class=\"S43C8 S483 S2\" id=\"ty_199\">Foreign banks </span><span class=\"S43C9 S483 S2\" id=\"tz_199\">not in EU </span><span class=\"S43CA S483 S2\" id=\"t10_199\">subtotal </span><span class=\"S43CB S483 S2\" id=\"t11_199\">(without </span><span class=\"S43CC S483 S2\" id=\"t12_199\">adjustments) </span><span class=\"S43CD S483 S2\" id=\"t13_199\">Eliminations </span><span class=\"S43CE S483 S2\" id=\"t14_199\">and </span><span class=\"S43CF S483 S2\" id=\"t15_199\">adjustments </span><span class=\"S43D0 SC43 S2\" id=\"t16_199\">a </span><span class=\"S43D1 S483 S2\" id=\"t17_199\">b </span><span class=\"S43D2 SC43 S2\" id=\"t18_199\">1=a+b; 1=2+3+4+5 </span><span class=\"S43D3 S483 S2\" id=\"t19_199\">2 </span><span class=\"S43D4 S483 S2\" id=\"t1a_199\">3 </span><span class=\"S43D5 S483 S2\" id=\"t1b_199\">4 </span><span class=\"S43D6 S483 S2\" id=\"t1c_199\">5 </span><span class=\"S43D7 SC43 S2\" id=\"t1d_199\">Consolidated adjusted profit after income tax for the year </span><span class=\"S43D8 SC43 S2\" id=\"t1e_199\">335,637 </span><span class=\"S43D9 SC43 S2\" id=\"t1f_199\">256,911 </span><span class=\"S43DA SC43 S2\" id=\"t1g_199\">592,548 </span><span class=\"S43DB SC43 S2\" id=\"t1h_199\">304,293 </span><span class=\"S43DC SC43 S2\" id=\"t1i_199\">189,617 </span><span class=\"S43DD SC43 S2\" id=\"t1j_199\">92,869 </span><span class=\"S43DE SC43 S2\" id=\"t1k_199\">5,769 </span><span class=\"S43DF SC43 S2\" id=\"t1l_199\">Profit before income tax </span><span class=\"S43E0 SC43 S2\" id=\"t1m_199\">394,888 </span><span class=\"S43E1 SC43 S2\" id=\"t1n_199\">295,134 </span><span class=\"S43E2 SC43 S2\" id=\"t1o_199\">690,022 </span><span class=\"S43E3 SC43 S2\" id=\"t1p_199\">353,561 </span><span class=\"S43E4 SC43 S2\" id=\"t1q_199\">217,950 </span><span class=\"S43E5 SC43 S2\" id=\"t1r_199\">110,918 </span><span class=\"S43E6 SC43 S2\" id=\"t1s_199\">7,593 </span><span class=\"S43E7 SC43 S2\" id=\"t1t_199\">Adjusted operating profit </span><span class=\"S43E8 SC43 S2\" id=\"t1u_199\">734,658 </span><span class=\"S43E9 SC43 S2\" id=\"t1v_199\">138,957 </span><span class=\"S43EA SC43 S2\" id=\"t1w_199\">873,615 </span><span class=\"S43EB SC43 S2\" id=\"t1x_199\">361,426 </span><span class=\"S43EC SC43 S2\" id=\"t1y_199\">232,797 </span><span class=\"S43ED SC43 S2\" id=\"t1z_199\">278,563 </span><span class=\"S43EE SC43 S2\" id=\"t20_199\">829 </span><span class=\"S43EF SC43 S2\" id=\"t21_199\">Adjusted total income </span><span class=\"S43F0 SC43 S2\" id=\"t22_199\">1,709,806 </span><span class=\"S43F1 SC43 S2\" id=\"t23_199\">(48,107) </span><span class=\"S43F2 SC43 S2\" id=\"t24_199\">1,661,699 </span><span class=\"S43F3 SC43 S2\" id=\"t25_199\">759,142 </span><span class=\"S43F4 SC43 S2\" id=\"t26_199\">446,844 </span><span class=\"S43F5 SC43 S2\" id=\"t27_199\">470,700 </span><span class=\"S43F6 SC43 S2\" id=\"t28_199\">(14,987) </span><span class=\"S43F7 S266A S2\" id=\"t29_199\">Adjusted net interest income </span><span class=\"S43F8 S266A S2\" id=\"t2a_199\">1,091,314 </span><span class=\"S43F9 S266A S2\" id=\"t2b_199\">2,265 </span><span class=\"S43FA S266A S2\" id=\"t2c_199\">1,093,579 </span><span class=\"S43FB S266A S2\" id=\"t2d_199\">448,001 </span><span class=\"S43FC S266A S2\" id=\"t2e_199\">303,256 </span><span class=\"S43FD S266A S2\" id=\"t2f_199\">341,577 </span><span class=\"S43FE S266A S2\" id=\"t2g_199\">745 </span><span class=\"S43FF S266A S2\" id=\"t2h_199\">Adjusted net profit </span><span class=\"S4400 S266A S2\" id=\"t2i_199\">- </span><span class=\"S4401 S266A S2\" id=\"t2j_199\">- </span><span class=\"S4402 S266A S2\" id=\"t2k_199\">from fees and commissions </span><span class=\"S4403 S266A S2\" id=\"t2l_199\">600,360 </span><span class=\"S4404 S266A S2\" id=\"t2m_199\">(203,242) </span><span class=\"S4405 S266A S2\" id=\"t2n_199\">397,118 </span><span class=\"S4406 S266A S2\" id=\"t2o_199\">207,941 </span><span class=\"S4407 S266A S2\" id=\"t2p_199\">113,606 </span><span class=\"S4408 S266A S2\" id=\"t2q_199\">78,675 </span><span class=\"S4409 S266A S2\" id=\"t2r_199\">(3,104) </span><span class=\"S440A S266A S2\" id=\"t2s_199\">Adjusted other net non-interest income </span><span class=\"S440B S266A S2\" id=\"t2t_199\">18,132 </span><span class=\"S440C S266A S2\" id=\"t2u_199\">152,870 </span><span class=\"S440D S266A S2\" id=\"t2v_199\">171,002 </span><span class=\"S440E S266A S2\" id=\"t2w_199\">103,200 </span><span class=\"S440F S266A S2\" id=\"t2x_199\">29,982 </span><span class=\"S4410 S266A S2\" id=\"t2y_199\">50,448 </span><span class=\"S4411 S266A S2\" id=\"t2z_199\">(12,628) </span><span class=\"S4412 SC43 S2\" id=\"t30_199\">Adjusted other administrative expenses </span><span class=\"S4413 SC43 S2\" id=\"t31_199\">(975,148) </span><span class=\"S4414 SC43 S2\" id=\"t32_199\">187,064 </span><span class=\"S4415 SC43 S2\" id=\"t33_199\">(788,084) </span><span class=\"S4416 SC43 S2\" id=\"t34_199\">(397,716) </span><span class=\"S4417 SC43 S2\" id=\"t35_199\">(214,047) </span><span class=\"S4418 SC43 S2\" id=\"t36_199\">(192,137) </span><span class=\"S4419 SC43 S2\" id=\"t37_199\">15,816 </span><span class=\"S441A S266A S2\" id=\"t38_199\">Personnel expenses </span><span class=\"S441B S266A S2\" id=\"t39_199\">(402,563) </span><span class=\"S441C S266A S2\" id=\"t3a_199\">6,259 </span><span class=\"S441D S266A S2\" id=\"t3b_199\">(396,304) </span><span class=\"S441E S266A S2\" id=\"t3c_199\">(179,651) </span><span class=\"S441F S266A S2\" id=\"t3d_199\">(108,850) </span><span class=\"S4420 S266A S2\" id=\"t3e_199\">(108,716) </span><span class=\"S4421 S266A S2\" id=\"t3f_199\">913 </span><span class=\"S4422 S266A S2\" id=\"t3g_199\">Depreciation and amortization </span><span class=\"S4423 S266A S2\" id=\"t3h_199\">(107,588) </span><span class=\"S4424 S266A S2\" id=\"t3i_199\">22,925 </span><span class=\"S4425 S266A S2\" id=\"t3j_199\">(84,663) </span><span class=\"S4426 S266A S2\" id=\"t3k_199\">(46,891) </span><span class=\"S4427 S266A S2\" id=\"t3l_199\">(18,928) </span><span class=\"S4428 S266A S2\" id=\"t3m_199\">(18,482) </span><span class=\"S4429 S266A S2\" id=\"t3n_199\">(362) </span><span class=\"S442A S266A S2\" id=\"t3o_199\">Other general expenses </span><span class=\"S442B S266A S2\" id=\"t3p_199\">(464,997) </span><span class=\"S442C S266A S2\" id=\"t3q_199\">157,880 </span><span class=\"S442D S266A S2\" id=\"t3r_199\">(307,117) </span><span class=\"S442E S266A S2\" id=\"t3s_199\">(171,174) </span><span class=\"S442F S266A S2\" id=\"t3t_199\">(86,269) </span><span class=\"S4430 S266A S2\" id=\"t3u_199\">(64,939) </span><span class=\"S4431 S266A S2\" id=\"t3v_199\">15,265 </span><span class=\"S4432 SC43 S2\" id=\"t3w_199\">Gains from derecognition of </span><span class=\"S4433 SC43 S2\" id=\"t3x_199\">financial assets at amortized cost </span><span class=\"S4434 SC43 S2\" id=\"t3y_199\">(1,655) </span><span class=\"S4435 SC43 S2\" id=\"t3z_199\">- </span><span class=\"S4436 SC43 S2\" id=\"t40_199\">(1,655) </span><span class=\"S4437 SC43 S2\" id=\"t41_199\">(7,342) </span><span class=\"S4438 SC43 S2\" id=\"t42_199\">1,746 </span><span class=\"S4439 SC43 S2\" id=\"t43_199\">3,933 </span><span class=\"S443A SC43 S2\" id=\"t44_199\">8 </span><span class=\"S443B SC43 S2\" id=\"t45_199\">Modification loss </span><span class=\"S443C SC43 S2\" id=\"t46_199\">(39,997) </span><span class=\"S443D SC43 S2\" id=\"t47_199\">40,822 </span><span class=\"S443E SC43 S2\" id=\"t48_199\">825 </span><span class=\"S443F SC43 S2\" id=\"t49_199\">- </span><span class=\"S4440 SC43 S2\" id=\"t4a_199\">20 </span><span class=\"S4441 SC43 S2\" id=\"t4b_199\">805 </span><span class=\"S4442 SC43 S2\" id=\"t4c_199\">- </span><span class=\"S4443 SC43 S2\" id=\"t4d_199\">Total risk costs </span><span class=\"S4444 SC43 S2\" id=\"t4e_199\">(298,118) </span><span class=\"S4445 SC43 S2\" id=\"t4f_199\">115,355 </span><span class=\"S4446 SC43 S2\" id=\"t4g_199\">(182,763) </span><span class=\"S4447 SC43 S2\" id=\"t4h_199\">(523) </span><span class=\"S4448 SC43 S2\" id=\"t4i_199\">(16,613) </span><span class=\"S4449 SC43 S2\" id=\"t4j_199\">(172,383) </span><span class=\"S444A SC43 S2\" id=\"t4k_199\">6,756 </span><span class=\"S444B S266A S2\" id=\"t4l_199\">Adjusted loss allowance on </span><span class=\"S444C S266A S2\" id=\"t4m_199\">financial assets and liabilities </span><span class=\"S444D S266A S2\" id=\"t4n_199\">(without the effect of revaluation of FX) </span><span class=\"S444E S266A S2\" id=\"t4o_199\">(210,458) </span><span class=\"S444F S266A S2\" id=\"t4p_199\">70,929 </span><span class=\"S4450 S266A S2\" id=\"t4q_199\">(139,529) </span><span class=\"S4451 S266A S2\" id=\"t4r_199\">34,015 </span><span class=\"S4452 S266A S2\" id=\"t4s_199\">(9,672) </span><span class=\"S4453 S266A S2\" id=\"t4t_199\">(163,792) </span><span class=\"S4454 S266A S2\" id=\"t4u_199\">(80) </span><span class=\"S4455 S266A S2\" id=\"t4v_199\">Goodwill impairment </span><span class=\"S4456 S266A S2\" id=\"t4w_199\">(67,715) </span><span class=\"S4457 S266A S2\" id=\"t4x_199\">67,715 </span><span class=\"S4458 S266A S2\" id=\"t4y_199\">- </span><span class=\"S4459 S266A S2\" id=\"t4z_199\">- </span><span class=\"S445A S266A S2\" id=\"t50_199\">- </span><span class=\"S445B S266A S2\" id=\"t51_199\">- </span><span class=\"S445C S266A S2\" id=\"t52_199\">- </span><span class=\"S445D S266A S2\" id=\"t53_199\">Other impairment (adjustment) </span><span class=\"S445E S266A S2\" id=\"t54_199\">(19,945) </span><span class=\"S445F S266A S2\" id=\"t55_199\">(23,289) </span><span class=\"S4460 S266A S2\" id=\"t56_199\">(43,234) </span><span class=\"S4461 S266A S2\" id=\"t57_199\">(34,538) </span><span class=\"S4462 S266A S2\" id=\"t58_199\">(6,941) </span><span class=\"S4463 S266A S2\" id=\"t59_199\">(8,591) </span><span class=\"S4464 S266A S2\" id=\"t5a_199\">6,836 </span><span class=\"S4465 S266A S2\" id=\"t5b_199\">from this: Adjusted impairment under IAS 36 </span><span class=\"S4466 S266A S2\" id=\"t5c_199\">(4,185) </span><span class=\"S4467 S266A S2\" id=\"t5d_199\">888 </span><span class=\"S4468 S266A S2\" id=\"t5e_199\">(3,297) </span><span class=\"S4469 S266A S2\" id=\"t5f_199\">(1,356) </span><span class=\"S446A S266A S2\" id=\"t5g_199\">(774) </span><span class=\"S446B S266A S2\" id=\"t5h_199\">(1,166) </span><span class=\"S446C S266A S2\" id=\"t5i_199\">(1) </span><span class=\"S446D SC43 S2\" id=\"t5j_199\">Income tax </span><span class=\"S446E SC43 S2\" id=\"t5k_199\">(59,251) </span><span class=\"S446F SC43 S2\" id=\"t5l_199\">(38,223) </span><span class=\"S4470 SC43 S2\" id=\"t5m_199\">(97,474) </span><span class=\"S4471 SC43 S2\" id=\"t5n_199\">(49,268) </span><span class=\"S4472 SC43 S2\" id=\"t5o_199\">(28,333) </span><span class=\"S4473 SC43 S2\" id=\"t5p_199\">(18,049) </span><span class=\"S4474 SC43 S2\" id=\"t5q_199\">(1,824) </span><span class=\"S4475 S266A S2\" id=\"t5r_199\">- </span><span class=\"S4476 S266A S2\" id=\"t5s_199\">- </span><span class=\"S4477 S266A S2\" id=\"t5t_199\">- </span><span class=\"S4478 SC43 S2\" id=\"t5u_199\">Total Assets </span><span class=\"S4479 SC43 S2\" id=\"t5v_199\">32,804,210 </span><span class=\"S447A SC43 S2\" id=\"t5w_199\">- </span><span class=\"S447B SC43 S2\" id=\"t5x_199\">32,804,210 </span><span class=\"S447C SC43 S2\" id=\"t5y_199\">21,275,751 </span><span class=\"S447D SC43 S2\" id=\"t5z_199\">12,650,295 </span><span class=\"S447E SC43 S2\" id=\"t60_199\">6,452,844 </span><span class=\"S447F SC43 S2\" id=\"t61_199\">(7,574,680) </span><span class=\"S4480 SC43 S2\" id=\"t62_199\">Total Liabilities </span><span class=\"S4481 SC43 S2\" id=\"t63_199\">29,481,898 </span><span class=\"S4482 SC43 S2\" id=\"t64_199\">- </span><span class=\"S4483 SC43 S2\" id=\"t65_199\">29,481,898 </span><span class=\"S4484 SC43 S2\" id=\"t66_199\">17,337,096 </span><span class=\"S4485 SC43 S2\" id=\"t67_199\">11,104,567 </span><span class=\"S4486 SC43 S2\" id=\"t68_199\">5,452,540 </span><span class=\"S4487 SC43 S2\" id=\"t69_199\">(4,412,305) </span><span class=\"S4488 S483 S2\" id=\"t6a_199\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_200\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_200\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_200\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S4489 SB S2\" id=\"t6_200\">As at 31 December 2022 [continued] </span><span class=\"S448A S27D S2\" id=\"t7_200\">Main components of the consolidated statement of profit or loss </span><span class=\"S448B S27D S2\" id=\"t8_200\">in HUF million [continued] </span><span class=\"S448C S27D S2\" id=\"t9_200\">Hungarian segment and other </span><span class=\"S448D S27D S2\" id=\"ta_200\">foreign subsidiaries not </span><span class=\"S448E S27D S2\" id=\"tb_200\">reported in \"Foreign bank </span><span class=\"S448F S27D S2\" id=\"tc_200\">segment\" subtotal (without </span><span class=\"S4490 S27D S2\" id=\"td_200\">adjustments) </span><span class=\"S4491 S27E S2\" id=\"te_200\">OTP CORE </span><span class=\"S4492 S27E S2\" id=\"tf_200\">(Hungary) </span><span class=\"S4493 S27E S2\" id=\"tg_200\">Merkantil </span><span class=\"S4494 S27E S2\" id=\"th_200\">Group </span><span class=\"S4495 S27E S2\" id=\"ti_200\">(Hungary) </span><span class=\"S4496 S27E S2\" id=\"tj_200\">Asset </span><span class=\"S4497 S27E S2\" id=\"tk_200\">Management </span><span class=\"S4498 S27E S2\" id=\"tl_200\">subsidiaries </span><span class=\"S4499 S27E S2\" id=\"tm_200\">Other </span><span class=\"S449A S27E S2\" id=\"tn_200\">subsidiaries </span><span class=\"S449B S27E S2\" id=\"to_200\">Corporate </span><span class=\"S449C S27E S2\" id=\"tp_200\">Centre </span><span class=\"S449D S453A S2\" id=\"tq_200\">2=6+\u2026+10 </span><span class=\"S449E S27E S2\" id=\"tr_200\">6 </span><span class=\"S449F S27E S2\" id=\"ts_200\">7 </span><span class=\"S44A0 S27E S2\" id=\"tt_200\">8 </span><span class=\"S44A1 S27E S2\" id=\"tu_200\">9 </span><span class=\"S44A2 S27E S2\" id=\"tv_200\">10 </span><span class=\"S44A3 S27D S2\" id=\"tw_200\">Consolidated adjusted profit after income tax for the year </span><span class=\"S44A4 S27D S2\" id=\"tx_200\">304,293 </span><span class=\"S44A5 S27D S2\" id=\"ty_200\">253,230 </span><span class=\"S44A6 S27D S2\" id=\"tz_200\">10,971 </span><span class=\"S44A7 S27D S2\" id=\"t10_200\">9,619 </span><span class=\"S44A8 S27D S2\" id=\"t11_200\">27,505 </span><span class=\"S44A9 S27D S2\" id=\"t12_200\">2,968 </span><span class=\"S44AA S27D S2\" id=\"t13_200\">Profit before income tax </span><span class=\"S44AB S27D S2\" id=\"t14_200\">353,561 </span><span class=\"S44AC S27D S2\" id=\"t15_200\">296,670 </span><span class=\"S44AD S27D S2\" id=\"t16_200\">12,616 </span><span class=\"S44AE S27D S2\" id=\"t17_200\">10,870 </span><span class=\"S44AF S27D S2\" id=\"t18_200\">29,982 </span><span class=\"S44B0 S27D S2\" id=\"t19_200\">3,423 </span><span class=\"S44B1 S27D S2\" id=\"t1a_200\">Adjusted operating profit </span><span class=\"S44B2 S27D S2\" id=\"t1b_200\">361,426 </span><span class=\"S44B3 S27D S2\" id=\"t1c_200\">299,378 </span><span class=\"S44B4 S27D S2\" id=\"t1d_200\">13,945 </span><span class=\"S44B5 S27D S2\" id=\"t1e_200\">10,955 </span><span class=\"S44B6 S27D S2\" id=\"t1f_200\">33,725 </span><span class=\"S44B7 S27D S2\" id=\"t1g_200\">3,423 </span><span class=\"S44B8 S27D S2\" id=\"t1h_200\">Adjusted total income </span><span class=\"S44B9 S27D S2\" id=\"t1i_200\">759,142 </span><span class=\"S44BA S27D S2\" id=\"t1j_200\">642,591 </span><span class=\"S44BB S27D S2\" id=\"t1k_200\">24,780 </span><span class=\"S44BC S27D S2\" id=\"t1l_200\">15,799 </span><span class=\"S44BD S27D S2\" id=\"t1m_200\">70,921 </span><span class=\"S44BE S27D S2\" id=\"t1n_200\">5,051 </span><span class=\"S44BF S27E S2\" id=\"t1o_200\">Adjusted net interest income </span><span class=\"S44C0 S27E S2\" id=\"t1p_200\">448,001 </span><span class=\"S44C1 S27E S2\" id=\"t1q_200\">412,611 </span><span class=\"S44C2 S27E S2\" id=\"t1r_200\">22,537 </span><span class=\"S44C3 S27E S2\" id=\"t1s_200\">32 </span><span class=\"S44C4 S27E S2\" id=\"t1t_200\">7,770 </span><span class=\"S438D S27E S2\" id=\"t1u_200\">5,051 </span><span class=\"S44C5 S27E S2\" id=\"t1v_200\">Adjusted net profit </span><span class=\"S44C6 S27E S2\" id=\"t1w_200\">from fees and commissions </span><span class=\"S44C7 S27E S2\" id=\"t1x_200\">207,941 </span><span class=\"S44C8 S27E S2\" id=\"t1y_200\">176,830 </span><span class=\"S44C9 S27E S2\" id=\"t1z_200\">921 </span><span class=\"S44CA S27E S2\" id=\"t20_200\">15,242 </span><span class=\"S44CB S27E S2\" id=\"t21_200\">14,948 </span><span class=\"S44CC S27E S2\" id=\"t22_200\">- </span><span class=\"S44CD S27E S2\" id=\"t23_200\">Adjusted other net non-interest income </span><span class=\"S44CE S27E S2\" id=\"t24_200\">103,200 </span><span class=\"S44CF S27E S2\" id=\"t25_200\">53,150 </span><span class=\"S44D0 S27E S2\" id=\"t26_200\">1,322 </span><span class=\"S44D1 S27E S2\" id=\"t27_200\">525 </span><span class=\"S44D2 S27E S2\" id=\"t28_200\">48,203 </span><span class=\"S44D3 S27E S2\" id=\"t29_200\">- </span><span class=\"S44D4 S27D S2\" id=\"t2a_200\">Adjusted other administrative expenses </span><span class=\"S44D5 S27D S2\" id=\"t2b_200\">(397,716) </span><span class=\"S44D6 S27D S2\" id=\"t2c_200\">(343,213) </span><span class=\"S44D7 S27D S2\" id=\"t2d_200\">(10,835) </span><span class=\"S44D8 S27D S2\" id=\"t2e_200\">(4,844) </span><span class=\"S44D9 S27D S2\" id=\"t2f_200\">(37,196) </span><span class=\"S44DA S27D S2\" id=\"t2g_200\">(1,628) </span><span class=\"S44DB S27E S2\" id=\"t2h_200\">Personnel expenses </span><span class=\"S44DC S27E S2\" id=\"t2i_200\">(179,651) </span><span class=\"S44DD S27E S2\" id=\"t2j_200\">(157,512) </span><span class=\"S44DE S27E S2\" id=\"t2k_200\">(5,371) </span><span class=\"S44DF S27E S2\" id=\"t2l_200\">(2,905) </span><span class=\"S44E0 S27E S2\" id=\"t2m_200\">(13,752) </span><span class=\"S44E1 S27E S2\" id=\"t2n_200\">(111) </span><span class=\"S44E2 S27E S2\" id=\"t2o_200\">Depreciation and amortization </span><span class=\"S44E3 S27E S2\" id=\"t2p_200\">(46,891) </span><span class=\"S44E4 S27E S2\" id=\"t2q_200\">(40,536) </span><span class=\"S44E5 S27E S2\" id=\"t2r_200\">(1,462) </span><span class=\"S44E6 S27E S2\" id=\"t2s_200\">(251) </span><span class=\"S44E7 S27E S2\" id=\"t2t_200\">(4,640) </span><span class=\"S44E8 S27E S2\" id=\"t2u_200\">(2) </span><span class=\"S44E9 S27E S2\" id=\"t2v_200\">Other general expenses </span><span class=\"S44EA S27E S2\" id=\"t2w_200\">(171,174) </span><span class=\"S44EB S27E S2\" id=\"t2x_200\">(145,165) </span><span class=\"S44EC S27E S2\" id=\"t2y_200\">(4,002) </span><span class=\"S44ED S27E S2\" id=\"t2z_200\">(1,688) </span><span class=\"S44EE S27E S2\" id=\"t30_200\">(18,804) </span><span class=\"S44EF S27E S2\" id=\"t31_200\">(1,515) </span><span class=\"S44F0 S27D S2\" id=\"t32_200\">Gains from derecognition of </span><span class=\"S44F1 S27D S2\" id=\"t33_200\">financial assets at amortized cost </span><span class=\"S44F2 S27D S2\" id=\"t34_200\">(7,342) </span><span class=\"S44F3 S27D S2\" id=\"t35_200\">(7,198) </span><span class=\"S44F4 S27D S2\" id=\"t36_200\">(144) </span><span class=\"S44F5 S27D S2\" id=\"t37_200\">- </span><span class=\"S44F6 S27D S2\" id=\"t38_200\">- </span><span class=\"S44F7 S27D S2\" id=\"t39_200\">- </span><span class=\"S44F8 S27D S2\" id=\"t3a_200\">Modification loss </span><span class=\"S44F9 S27D S2\" id=\"t3b_200\">- </span><span class=\"S44FA S27D S2\" id=\"t3c_200\">- </span><span class=\"S44FB S27D S2\" id=\"t3d_200\">- </span><span class=\"S44FC S27D S2\" id=\"t3e_200\">- </span><span class=\"S44FD S27D S2\" id=\"t3f_200\">- </span><span class=\"S44FE S27D S2\" id=\"t3g_200\">- </span><span class=\"S44FF S27D S2\" id=\"t3h_200\">Total risk costs </span><span class=\"S4500 S27D S2\" id=\"t3i_200\">(523) </span><span class=\"S4501 S27D S2\" id=\"t3j_200\">4,490 </span><span class=\"S4502 S27D S2\" id=\"t3k_200\">(1,185) </span><span class=\"S4503 S27D S2\" id=\"t3l_200\">(85) </span><span class=\"S4504 S27D S2\" id=\"t3m_200\">(3,743) </span><span class=\"S4505 S27D S2\" id=\"t3n_200\">- </span><span class=\"S4506 S27E S2\" id=\"t3o_200\">Adjusted loss allowance on </span><span class=\"S4507 S27E S2\" id=\"t3p_200\">financial assets and liabilities </span><span class=\"S4508 S27E S2\" id=\"t3q_200\">(without the effect of revaluation of FX) </span><span class=\"S4509 S27E S2\" id=\"t3r_200\">34,015 </span><span class=\"S450A S27E S2\" id=\"t3s_200\">34,925 </span><span class=\"S450B S27E S2\" id=\"t3t_200\">(939) </span><span class=\"S450C S27E S2\" id=\"t3u_200\">- </span><span class=\"S450D S27E S2\" id=\"t3v_200\">29 </span><span class=\"S450E S27E S2\" id=\"t3w_200\">- </span><span class=\"S450F S27E S2\" id=\"t3x_200\">Goodwill impairment </span><span class=\"S4510 S27E S2\" id=\"t3y_200\">- </span><span class=\"S4511 S27E S2\" id=\"t3z_200\">- </span><span class=\"S4512 S27E S2\" id=\"t40_200\">- </span><span class=\"S4513 S27E S2\" id=\"t41_200\">- </span><span class=\"S4514 S27E S2\" id=\"t42_200\">- </span><span class=\"S4515 S27E S2\" id=\"t43_200\">- </span><span class=\"S4516 S27E S2\" id=\"t44_200\">Other impairment (adjustment) </span><span class=\"S4517 S27E S2\" id=\"t45_200\">(34,538) </span><span class=\"S4518 S27E S2\" id=\"t46_200\">(30,435) </span><span class=\"S4519 S27E S2\" id=\"t47_200\">(246) </span><span class=\"S451A S27E S2\" id=\"t48_200\">(85) </span><span class=\"S451B S27E S2\" id=\"t49_200\">(3,772) </span><span class=\"S451C S27E S2\" id=\"t4a_200\">- </span><span class=\"S451D S27E S2\" id=\"t4b_200\">from this: Adjusted impairment under IAS 36 </span><span class=\"S451E S27E S2\" id=\"t4c_200\">(1,356) </span><span class=\"S451F S27E S2\" id=\"t4d_200\">(58) </span><span class=\"S4520 S27E S2\" id=\"t4e_200\">(18) </span><span class=\"S4521 S27E S2\" id=\"t4f_200\">14 </span><span class=\"S4522 S27E S2\" id=\"t4g_200\">(1,294) </span><span class=\"S4523 S27E S2\" id=\"t4h_200\">- </span><span class=\"S4524 S27D S2\" id=\"t4i_200\">Income tax </span><span class=\"S4525 S27D S2\" id=\"t4j_200\">(49,268) </span><span class=\"S4526 S27D S2\" id=\"t4k_200\">(43,440) </span><span class=\"S4527 S27D S2\" id=\"t4l_200\">(1,645) </span><span class=\"S4528 S27D S2\" id=\"t4m_200\">(1,251) </span><span class=\"S4529 S27D S2\" id=\"t4n_200\">(2,477) </span><span class=\"S452A S27D S2\" id=\"t4o_200\">(455) </span><span class=\"S452B S27D S2\" id=\"t4p_200\">Total Assets </span><span class=\"S452C S27D S2\" id=\"t4q_200\">21,275,751 </span><span class=\"S452D S27D S2\" id=\"t4r_200\">15,758,292 </span><span class=\"S452E S27D S2\" id=\"t4s_200\">948,735 </span><span class=\"S452F S27D S2\" id=\"t4t_200\">29,916 </span><span class=\"S4530 S27D S2\" id=\"t4u_200\">690,628 </span><span class=\"S4531 S27D S2\" id=\"t4v_200\">3,848,180 </span><span class=\"S4532 S27D S2\" id=\"t4w_200\">Total Liabilities </span><span class=\"S4533 S27D S2\" id=\"t4x_200\">17,337,096 </span><span class=\"S4534 S27D S2\" id=\"t4y_200\">13,742,272 </span><span class=\"S4535 S27D S2\" id=\"t4z_200\">891,144 </span><span class=\"S4536 S27D S2\" id=\"t50_200\">11,180 </span><span class=\"S4537 S27D S2\" id=\"t51_200\">293,169 </span><span class=\"S4538 S27D S2\" id=\"t52_200\">2,399,331 </span><span class=\"S4539 S483 S2\" id=\"t53_200\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_201\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_201\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_201\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S4489 SB S2\" id=\"t6_201\">As at 31 December 2022 [continued] </span><span class=\"S453B S27D S2\" id=\"t7_201\">Main components of the consolidated statement of profit or loss in </span><span class=\"S453C S27D S2\" id=\"t8_201\">HUF million [continued] </span><span class=\"S453D S27D S2\" id=\"t9_201\">Foreign banks in EU </span><span class=\"S453E S27D S2\" id=\"ta_201\">subtotal (without </span><span class=\"S453F S27D S2\" id=\"tb_201\">adjustments) </span><span class=\"S4540 S27E S2\" id=\"tc_201\">DSK Bank AD </span><span class=\"S4541 S27E S2\" id=\"td_201\">(Bulgaria) </span><span class=\"S4542 S27E S2\" id=\"te_201\">OTP banka d.d. </span><span class=\"S4543 S27E S2\" id=\"tf_201\">(Croatia) </span><span class=\"S4544 S27E S2\" id=\"tg_201\">SKB Banka d.d. </span><span class=\"S4545 S27E S2\" id=\"th_201\">(Slovenia) </span><span class=\"S4546 S27E S2\" id=\"ti_201\">OTP Bank </span><span class=\"S4547 S27E S2\" id=\"tj_201\">Romania S.A. </span><span class=\"S4548 S27E S2\" id=\"tk_201\">(Romania) </span><span class=\"S4549 S453A S2\" id=\"tl_201\">3=11+\u2026+14 </span><span class=\"S454A S27E S2\" id=\"tm_201\">11 </span><span class=\"S454B S27E S2\" id=\"tn_201\">12 </span><span class=\"S454C S27E S2\" id=\"to_201\">13 </span><span class=\"S454D S27E S2\" id=\"tp_201\">14 </span><span class=\"S454E S27D S2\" id=\"tq_201\">Consolidated adjusted profit after income tax for the year </span><span class=\"S454F S27D S2\" id=\"tr_201\">189,617 </span><span class=\"S4550 S27D S2\" id=\"ts_201\">119,884 </span><span class=\"S4551 S27D S2\" id=\"tt_201\">42,801 </span><span class=\"S4552 S27D S2\" id=\"tu_201\">23,859 </span><span class=\"S4553 S27D S2\" id=\"tv_201\">3,073 </span><span class=\"S4554 S27D S2\" id=\"tw_201\">Profit before income tax </span><span class=\"S4555 S27D S2\" id=\"tx_201\">217,950 </span><span class=\"S4556 S27D S2\" id=\"ty_201\">132,564 </span><span class=\"S4557 S27D S2\" id=\"tz_201\">52,095 </span><span class=\"S4558 S27D S2\" id=\"t10_201\">29,569 </span><span class=\"S4559 S27D S2\" id=\"t11_201\">3,722 </span><span class=\"S455A S27D S2\" id=\"t12_201\">Adjusted operating profit </span><span class=\"S455B S27D S2\" id=\"t13_201\">232,797 </span><span class=\"S455C S27D S2\" id=\"t14_201\">142,393 </span><span class=\"S455D S27D S2\" id=\"t15_201\">48,973 </span><span class=\"S455E S27D S2\" id=\"t16_201\">24,046 </span><span class=\"S455F S27D S2\" id=\"t17_201\">17,385 </span><span class=\"S4560 S27D S2\" id=\"t18_201\">Adjusted total income </span><span class=\"S4561 S27D S2\" id=\"t19_201\">446,844 </span><span class=\"S4562 S27D S2\" id=\"t1a_201\">230,844 </span><span class=\"S4563 S27D S2\" id=\"t1b_201\">102,001 </span><span class=\"S4564 S27D S2\" id=\"t1c_201\">51,403 </span><span class=\"S4565 S27D S2\" id=\"t1d_201\">62,596 </span><span class=\"S4566 S27E S2\" id=\"t1e_201\">Adjusted net interest income </span><span class=\"S4567 S27E S2\" id=\"t1f_201\">303,256 </span><span class=\"S4568 S27E S2\" id=\"t1g_201\">145,461 </span><span class=\"S4569 S27E S2\" id=\"t1h_201\">70,547 </span><span class=\"S456A S27E S2\" id=\"t1i_201\">33,688 </span><span class=\"S456B S27E S2\" id=\"t1j_201\">53,560 </span><span class=\"S456C S27E S2\" id=\"t1k_201\">Adjusted net profit </span><span class=\"S456D S27E S2\" id=\"t1l_201\">from fees and commissions </span><span class=\"S456E S27E S2\" id=\"t1m_201\">113,606 </span><span class=\"S456F S27E S2\" id=\"t1n_201\">68,755 </span><span class=\"S4570 S27E S2\" id=\"t1o_201\">24,692 </span><span class=\"S4571 S27E S2\" id=\"t1p_201\">15,416 </span><span class=\"S4572 S27E S2\" id=\"t1q_201\">4,743 </span><span class=\"S4573 S27E S2\" id=\"t1r_201\">Adjusted other net non-interest income </span><span class=\"S4574 S27E S2\" id=\"t1s_201\">29,982 </span><span class=\"S4575 S27E S2\" id=\"t1t_201\">16,628 </span><span class=\"S4576 S27E S2\" id=\"t1u_201\">6,762 </span><span class=\"S4577 S27E S2\" id=\"t1v_201\">2,299 </span><span class=\"S4578 S27E S2\" id=\"t1w_201\">4,293 </span><span class=\"S4579 S27D S2\" id=\"t1x_201\">Adjusted other administrative expenses </span><span class=\"S457A S27D S2\" id=\"t1y_201\">(214,047) </span><span class=\"S457B S27D S2\" id=\"t1z_201\">(88,451) </span><span class=\"S457C S27D S2\" id=\"t20_201\">(53,028) </span><span class=\"S457D S27D S2\" id=\"t21_201\">(27,357) </span><span class=\"S457E S27D S2\" id=\"t22_201\">(45,211) </span><span class=\"S457F S27E S2\" id=\"t23_201\">Personnel expenses </span><span class=\"S4580 S27E S2\" id=\"t24_201\">(108,850) </span><span class=\"S4581 S27E S2\" id=\"t25_201\">(41,946) </span><span class=\"S4582 S27E S2\" id=\"t26_201\">(27,020) </span><span class=\"S4583 S27E S2\" id=\"t27_201\">(15,278) </span><span class=\"S4584 S27E S2\" id=\"t28_201\">(24,606) </span><span class=\"S4585 S27E S2\" id=\"t29_201\">Depreciation and amortization </span><span class=\"S4586 S27E S2\" id=\"t2a_201\">(18,928) </span><span class=\"S4587 S27E S2\" id=\"t2b_201\">(7,831) </span><span class=\"S4588 S27E S2\" id=\"t2c_201\">(4,845) </span><span class=\"S4589 S27E S2\" id=\"t2d_201\">(1,671) </span><span class=\"S458A S27E S2\" id=\"t2e_201\">(4,581) </span><span class=\"S458B S27E S2\" id=\"t2f_201\">Other general expenses </span><span class=\"S458C S27E S2\" id=\"t2g_201\">(86,269) </span><span class=\"S458D S27E S2\" id=\"t2h_201\">(38,674) </span><span class=\"S458E S27E S2\" id=\"t2i_201\">(21,163) </span><span class=\"S458F S27E S2\" id=\"t2j_201\">(10,408) </span><span class=\"S4590 S27E S2\" id=\"t2k_201\">(16,024) </span><span class=\"S4591 S27D S2\" id=\"t2l_201\">Gains from derecognition of </span><span class=\"S4592 S27D S2\" id=\"t2m_201\">financial assets at amortized cost </span><span class=\"S4593 S27D S2\" id=\"t2n_201\">1,746 </span><span class=\"S4594 S27D S2\" id=\"t2o_201\">1,249 </span><span class=\"S4595 S27D S2\" id=\"t2p_201\">578 </span><span class=\"S4596 S27D S2\" id=\"t2q_201\">- </span><span class=\"S4597 S27D S2\" id=\"t2r_201\">(81) </span><span class=\"S4598 S27D S2\" id=\"t2s_201\">Modification loss </span><span class=\"S4599 S27D S2\" id=\"t2t_201\">20 </span><span class=\"S459A S27D S2\" id=\"t2u_201\">- </span><span class=\"S459B S27D S2\" id=\"t2v_201\">- </span><span class=\"S459C S27D S2\" id=\"t2w_201\">20 </span><span class=\"S459D S27D S2\" id=\"t2x_201\">- </span><span class=\"S459E S27D S2\" id=\"t2y_201\">Total risk costs </span><span class=\"S459F S27D S2\" id=\"t2z_201\">(16,613) </span><span class=\"S45A0 S27D S2\" id=\"t30_201\">(11,078) </span><span class=\"S45A1 S27D S2\" id=\"t31_201\">2,544 </span><span class=\"S45A2 S27D S2\" id=\"t32_201\">5,503 </span><span class=\"S45A3 S27D S2\" id=\"t33_201\">(13,582) </span><span class=\"S45A4 S27E S2\" id=\"t34_201\">Adjusted loss allowance on </span><span class=\"S45A5 S27E S2\" id=\"t35_201\">financial assets and liabilities </span><span class=\"S45A6 S27E S2\" id=\"t36_201\">(without the effect of revaluation of FX) </span><span class=\"S45A7 S27E S2\" id=\"t37_201\">(9,672) </span><span class=\"S45A8 S27E S2\" id=\"t38_201\">(12,251) </span><span class=\"S45A9 S27E S2\" id=\"t39_201\">6,564 </span><span class=\"S45AA S27E S2\" id=\"t3a_201\">7,028 </span><span class=\"S45AB S27E S2\" id=\"t3b_201\">(11,013) </span><span class=\"S45AC S27E S2\" id=\"t3c_201\">Goodwill impairment </span><span class=\"S45AD S27E S2\" id=\"t3d_201\">- </span><span class=\"S45AE S27E S2\" id=\"t3e_201\">- </span><span class=\"S45AF S27E S2\" id=\"t3f_201\">- </span><span class=\"S45B0 S27E S2\" id=\"t3g_201\">- </span><span class=\"S45B1 S27E S2\" id=\"t3h_201\">Other impairment (adjustment) </span><span class=\"S45B2 S27E S2\" id=\"t3i_201\">(6,941) </span><span class=\"S45B3 S27E S2\" id=\"t3j_201\">1,173 </span><span class=\"S45B4 S27E S2\" id=\"t3k_201\">(4,020) </span><span class=\"S45B5 S27E S2\" id=\"t3l_201\">(1,525) </span><span class=\"S45B6 S27E S2\" id=\"t3m_201\">(2,569) </span><span class=\"S45B7 S27E S2\" id=\"t3n_201\">from this: Adjusted impairment under IAS 36 </span><span class=\"S45B8 S27E S2\" id=\"t3o_201\">(774) </span><span class=\"S45B9 S27E S2\" id=\"t3p_201\">(367) </span><span class=\"S45BA S27E S2\" id=\"t3q_201\">122 </span><span class=\"S45BB S27E S2\" id=\"t3r_201\">(53) </span><span class=\"S45BC S27E S2\" id=\"t3s_201\">(476) </span><span class=\"S45BD S27D S2\" id=\"t3t_201\">Income tax </span><span class=\"S45BE S27D S2\" id=\"t3u_201\">(28,333) </span><span class=\"S45BF S27D S2\" id=\"t3v_201\">(12,680) </span><span class=\"S45C0 S27D S2\" id=\"t3w_201\">(9,294) </span><span class=\"S45C1 S27D S2\" id=\"t3x_201\">(5,710) </span><span class=\"S45C2 S27D S2\" id=\"t3y_201\">(649) </span><span class=\"S45C3 S27D S2\" id=\"t3z_201\">Total Assets </span><span class=\"S45C4 S27D S2\" id=\"t40_201\">12,650,295 </span><span class=\"S45C5 S27D S2\" id=\"t41_201\">5,946,815 </span><span class=\"S45C6 S27D S2\" id=\"t42_201\">3,224,955 </span><span class=\"S45C7 S27D S2\" id=\"t43_201\">1,790,944 </span><span class=\"S45C8 S27D S2\" id=\"t44_201\">1,687,581 </span><span class=\"S45C9 S27D S2\" id=\"t45_201\">Total Liabilities </span><span class=\"S45CA S27D S2\" id=\"t46_201\">11,104,567 </span><span class=\"S45CB S27D S2\" id=\"t47_201\">5,167,720 </span><span class=\"S45CC S27D S2\" id=\"t48_201\">2,834,372 </span><span class=\"S45CD S27D S2\" id=\"t49_201\">1,596,100 </span><span class=\"S45CE S27D S2\" id=\"t4a_201\">1,506,375 </span><span class=\"S45CF S483 S2\" id=\"t4b_201\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_202\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_202\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S45D0 SB S2\" id=\"t5_202\">Information regarding the </span><span class=\"S45D1 S603 S2\" id=\"t6_202\">Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t7_202\">As at 31 December 2022 [continued] </span><span class=\"S45D2 SC43 S2\" id=\"t8_202\">Main components of the consolidated statement of profit or loss in </span><span class=\"S45D3 SC43 S2\" id=\"t9_202\">HUF million [continued] </span><span class=\"S45D4 SC43 S2\" id=\"ta_202\">Foreign banks not in EU </span><span class=\"S45D5 SC43 S2\" id=\"tb_202\">subtotal (without </span><span class=\"S45D6 SC43 S2\" id=\"tc_202\">adjustments) </span><span class=\"S45D7 S483 S2\" id=\"td_202\">OTP banka </span><span class=\"S45D8 S483 S2\" id=\"te_202\">Srbija a.d. </span><span class=\"S45D9 S483 S2\" id=\"tf_202\">(Serbia) </span><span class=\"S45DA S483 S2\" id=\"tg_202\">OTP Bank </span><span class=\"S45DB S483 S2\" id=\"th_202\">JSC </span><span class=\"S45DC S483 S2\" id=\"ti_202\">(Ukraine) </span><span class=\"S45DD S483 S2\" id=\"tj_202\">JSC \"OTP </span><span class=\"S45DE S483 S2\" id=\"tk_202\">Bank\" (Russia) </span><span class=\"S45DF S483 S2\" id=\"tl_202\">and Touch Bank </span><span class=\"S45E0 S483 S2\" id=\"tm_202\">Crnogorska </span><span class=\"S45E1 S483 S2\" id=\"tn_202\">komercijalna banka </span><span class=\"S45E2 S483 S2\" id=\"to_202\">a.d. (Montenegro) </span><span class=\"S45E3 S483 S2\" id=\"tp_202\">Banka OTP </span><span class=\"S45E4 S483 S2\" id=\"tq_202\">Albania SHA </span><span class=\"S45E5 S483 S2\" id=\"tr_202\">(Albania) </span><span class=\"S45E6 S483 S2\" id=\"ts_202\">OTP Bank </span><span class=\"S45E7 S483 S2\" id=\"tt_202\">S.A. </span><span class=\"S45E8 S483 S2\" id=\"tu_202\">(Moldova) </span><span class=\"S45E9 S469C S2\" id=\"tv_202\">4=15+\u2026+20 </span><span class=\"S45EA S483 S2\" id=\"tw_202\">15 </span><span class=\"S45EB S483 S2\" id=\"tx_202\">16 </span><span class=\"S45EC S483 S2\" id=\"ty_202\">17 </span><span class=\"S45ED S483 S2\" id=\"tz_202\">18 </span><span class=\"S45EE S483 S2\" id=\"t10_202\">19 </span><span class=\"S45EF S483 S2\" id=\"t11_202\">20 </span><span class=\"S45F0 SC43 S2\" id=\"t12_202\">Consolidated adjusted profit after income tax for the year </span><span class=\"S45F1 SC43 S2\" id=\"t13_202\">92,869 </span><span class=\"S45F2 SC43 S2\" id=\"t14_202\">36,873 </span><span class=\"S45F3 SC43 S2\" id=\"t15_202\">(15,923) </span><span class=\"S45F4 SC43 S2\" id=\"t16_202\">42,548 </span><span class=\"S45F5 SC43 S2\" id=\"t17_202\">9,792 </span><span class=\"S45F6 SC43 S2\" id=\"t18_202\">10,174 </span><span class=\"S45F7 SC43 S2\" id=\"t19_202\">9,405 </span><span class=\"S45F8 SC43 S2\" id=\"t1a_202\">Profit before income tax </span><span class=\"S45F9 SC43 S2\" id=\"t1b_202\">110,918 </span><span class=\"S45FA SC43 S2\" id=\"t1c_202\">42,991 </span><span class=\"S45FB SC43 S2\" id=\"t1d_202\">(13,205) </span><span class=\"S45FC SC43 S2\" id=\"t1e_202\">46,180 </span><span class=\"S45FD SC43 S2\" id=\"t1f_202\">11,976 </span><span class=\"S45FE SC43 S2\" id=\"t1g_202\">12,187 </span><span class=\"S45FF SC43 S2\" id=\"t1h_202\">10,789 </span><span class=\"S4600 SC43 S2\" id=\"t1i_202\">Adjusted operating profit </span><span class=\"S4601 SC43 S2\" id=\"t1j_202\">278,563 </span><span class=\"S4602 SC43 S2\" id=\"t1k_202\">58,543 </span><span class=\"S4603 SC43 S2\" id=\"t1l_202\">79,862 </span><span class=\"S4604 SC43 S2\" id=\"t1m_202\">98,137 </span><span class=\"S4605 SC43 S2\" id=\"t1n_202\">15,134 </span><span class=\"S4606 SC43 S2\" id=\"t1o_202\">9,335 </span><span class=\"S4607 SC43 S2\" id=\"t1p_202\">17,552 </span><span class=\"S4608 SC43 S2\" id=\"t1q_202\">Adjusted total income </span><span class=\"S4609 SC43 S2\" id=\"t1r_202\">470,700 </span><span class=\"S460A SC43 S2\" id=\"t1s_202\">104,523 </span><span class=\"S460B SC43 S2\" id=\"t1t_202\">110,805 </span><span class=\"S460C SC43 S2\" id=\"t1u_202\">178,494 </span><span class=\"S460D SC43 S2\" id=\"t1v_202\">28,816 </span><span class=\"S460E SC43 S2\" id=\"t1w_202\">20,232 </span><span class=\"S460F SC43 S2\" id=\"t1x_202\">27,830 </span><span class=\"S4610 S483 S2\" id=\"t1y_202\">Adjusted net interest income </span><span class=\"S4611 S483 S2\" id=\"t1z_202\">341,577 </span><span class=\"S4612 S483 S2\" id=\"t20_202\">76,635 </span><span class=\"S4613 S483 S2\" id=\"t21_202\">90,007 </span><span class=\"S4614 S483 S2\" id=\"t22_202\">118,004 </span><span class=\"S4615 S483 S2\" id=\"t23_202\">20,832 </span><span class=\"S4616 S483 S2\" id=\"t24_202\">16,927 </span><span class=\"S4617 S483 S2\" id=\"t25_202\">19,172 </span><span class=\"S4618 S483 S2\" id=\"t26_202\">Adjusted net profit </span><span class=\"S4619 S483 S2\" id=\"t27_202\">from fees and commissions </span><span class=\"S461A S483 S2\" id=\"t28_202\">78,675 </span><span class=\"S461B S483 S2\" id=\"t29_202\">17,954 </span><span class=\"S461C S483 S2\" id=\"t2a_202\">12,673 </span><span class=\"S461D S483 S2\" id=\"t2b_202\">35,251 </span><span class=\"S461E S483 S2\" id=\"t2c_202\">7,106 </span><span class=\"S461F S483 S2\" id=\"t2d_202\">3,067 </span><span class=\"S4620 S483 S2\" id=\"t2e_202\">2,624 </span><span class=\"S4621 S483 S2\" id=\"t2f_202\">Adjusted other net non-interest income </span><span class=\"S4622 S483 S2\" id=\"t2g_202\">50,448 </span><span class=\"S4623 S483 S2\" id=\"t2h_202\">9,934 </span><span class=\"S4624 S483 S2\" id=\"t2i_202\">8,125 </span><span class=\"S4625 S483 S2\" id=\"t2j_202\">25,239 </span><span class=\"S4626 S483 S2\" id=\"t2k_202\">878 </span><span class=\"S4627 S483 S2\" id=\"t2l_202\">238 </span><span class=\"S4628 S483 S2\" id=\"t2m_202\">6,034 </span><span class=\"S4629 SC43 S2\" id=\"t2n_202\">Adjusted other administrative expenses </span><span class=\"S462A SC43 S2\" id=\"t2o_202\">(192,137) </span><span class=\"S462B SC43 S2\" id=\"t2p_202\">(45,980) </span><span class=\"S462C SC43 S2\" id=\"t2q_202\">(30,943) </span><span class=\"S462D SC43 S2\" id=\"t2r_202\">(80,357) </span><span class=\"S462E SC43 S2\" id=\"t2s_202\">(13,682) </span><span class=\"S462F SC43 S2\" id=\"t2t_202\">(10,897) </span><span class=\"S4630 SC43 S2\" id=\"t2u_202\">(10,278) </span><span class=\"S4631 S483 S2\" id=\"t2v_202\">Personnel expenses </span><span class=\"S4632 S483 S2\" id=\"t2w_202\">(108,716) </span><span class=\"S4633 S483 S2\" id=\"t2x_202\">(23,342) </span><span class=\"S4634 S483 S2\" id=\"t2y_202\">(18,170) </span><span class=\"S4635 S483 S2\" id=\"t2z_202\">(50,404) </span><span class=\"S4636 S483 S2\" id=\"t30_202\">(6,529) </span><span class=\"S4637 S483 S2\" id=\"t31_202\">(4,318) </span><span class=\"S4638 S483 S2\" id=\"t32_202\">(5,953) </span><span class=\"S4639 S483 S2\" id=\"t33_202\">Depreciation and amortization </span><span class=\"S463A S483 S2\" id=\"t34_202\">(18,482) </span><span class=\"S463B S483 S2\" id=\"t35_202\">(3,342) </span><span class=\"S463C S483 S2\" id=\"t36_202\">(2,570) </span><span class=\"S463D S483 S2\" id=\"t37_202\">(8,712) </span><span class=\"S463E S483 S2\" id=\"t38_202\">(1,711) </span><span class=\"S463F S483 S2\" id=\"t39_202\">(1,023) </span><span class=\"S4640 S483 S2\" id=\"t3a_202\">(1,124) </span><span class=\"S4641 S483 S2\" id=\"t3b_202\">Other general expenses </span><span class=\"S4642 S483 S2\" id=\"t3c_202\">(64,939) </span><span class=\"S4643 S483 S2\" id=\"t3d_202\">(19,296) </span><span class=\"S4644 S483 S2\" id=\"t3e_202\">(10,203) </span><span class=\"S4645 S483 S2\" id=\"t3f_202\">(21,241) </span><span class=\"S4646 S483 S2\" id=\"t3g_202\">(5,442) </span><span class=\"S4647 S483 S2\" id=\"t3h_202\">(5,556) </span><span class=\"S4648 S483 S2\" id=\"t3i_202\">(3,201) </span><span class=\"S4649 SC43 S2\" id=\"t3j_202\">Gains from derecognition of </span><span class=\"S464A SC43 S2\" id=\"t3k_202\">financial assets at amortized cost </span><span class=\"S464B SC43 S2\" id=\"t3l_202\">3,933 </span><span class=\"S464C SC43 S2\" id=\"t3m_202\">1,300 </span><span class=\"S464D SC43 S2\" id=\"t3n_202\">286 </span><span class=\"S464E SC43 S2\" id=\"t3o_202\">3,284 </span><span class=\"S464F SC43 S2\" id=\"t3p_202\">(80) </span><span class=\"S4650 SC43 S2\" id=\"t3q_202\">(671) </span><span class=\"S4651 SC43 S2\" id=\"t3r_202\">(186) </span><span class=\"S4652 SC43 S2\" id=\"t3s_202\">Modification loss </span><span class=\"S4653 SC43 S2\" id=\"t3t_202\">805 </span><span class=\"S4654 SC43 S2\" id=\"t3u_202\">2,062 </span><span class=\"S4655 SC43 S2\" id=\"t3v_202\">(1,245) </span><span class=\"S4656 SC43 S2\" id=\"t3w_202\">- </span><span class=\"S4657 SC43 S2\" id=\"t3x_202\">(12) </span><span class=\"S4658 SC43 S2\" id=\"t3y_202\">- </span><span class=\"S4659 SC43 S2\" id=\"t3z_202\">- </span><span class=\"S465A SC43 S2\" id=\"t40_202\">Total risk costs </span><span class=\"S465B SC43 S2\" id=\"t41_202\">(172,383) </span><span class=\"S465C SC43 S2\" id=\"t42_202\">(18,914) </span><span class=\"S465D SC43 S2\" id=\"t43_202\">(92,108) </span><span class=\"S465E SC43 S2\" id=\"t44_202\">(55,241) </span><span class=\"S465F SC43 S2\" id=\"t45_202\">(3,066) </span><span class=\"S4660 SC43 S2\" id=\"t46_202\">3,523 </span><span class=\"S4661 SC43 S2\" id=\"t47_202\">(6,577) </span><span class=\"S4662 S483 S2\" id=\"t48_202\">Adjusted loss allowance on </span><span class=\"S4663 S483 S2\" id=\"t49_202\">financial assets and liabilities </span><span class=\"S4664 S483 S2\" id=\"t4a_202\">(without the effect of revaluation of FX) </span><span class=\"S4665 S483 S2\" id=\"t4b_202\">(163,792) </span><span class=\"S4666 S483 S2\" id=\"t4c_202\">(17,783) </span><span class=\"S4667 S483 S2\" id=\"t4d_202\">(89,877) </span><span class=\"S4668 S483 S2\" id=\"t4e_202\">(54,330) </span><span class=\"S4669 S483 S2\" id=\"t4f_202\">731 </span><span class=\"S466A S483 S2\" id=\"t4g_202\">3,176 </span><span class=\"S466B S483 S2\" id=\"t4h_202\">(5,709) </span><span class=\"S466C S483 S2\" id=\"t4i_202\">Goodwill impairment </span><span class=\"S466D S483 S2\" id=\"t4j_202\">- </span><span class=\"S466E S483 S2\" id=\"t4k_202\">- </span><span class=\"S466F S483 S2\" id=\"t4l_202\">- </span><span class=\"S4670 S483 S2\" id=\"t4m_202\">- </span><span class=\"S4671 S483 S2\" id=\"t4n_202\">- </span><span class=\"S4672 S483 S2\" id=\"t4o_202\">- </span><span class=\"S4673 S483 S2\" id=\"t4p_202\">Other impairment (adjustment) </span><span class=\"S4674 S483 S2\" id=\"t4q_202\">(8,591) </span><span class=\"S4675 S483 S2\" id=\"t4r_202\">(1,131) </span><span class=\"S4676 S483 S2\" id=\"t4s_202\">(2,231) </span><span class=\"S4677 S483 S2\" id=\"t4t_202\">(911) </span><span class=\"S4678 S483 S2\" id=\"t4u_202\">(3,797) </span><span class=\"S4679 S483 S2\" id=\"t4v_202\">347 </span><span class=\"S467A S483 S2\" id=\"t4w_202\">(868) </span><span class=\"S467B S483 S2\" id=\"t4x_202\">from this: Adjusted impairment under IAS 36 </span><span class=\"S467C S483 S2\" id=\"t4y_202\">(1,166) </span><span class=\"S467D S483 S2\" id=\"t4z_202\">(151) </span><span class=\"S467E S483 S2\" id=\"t50_202\">(33) </span><span class=\"S467F S483 S2\" id=\"t51_202\">(263) </span><span class=\"S4680 S483 S2\" id=\"t52_202\">(677) </span><span class=\"S4681 S483 S2\" id=\"t53_202\">- </span><span class=\"S4682 S483 S2\" id=\"t54_202\">(42) </span><span class=\"S4683 SC43 S2\" id=\"t55_202\">Income tax </span><span class=\"S4684 SC43 S2\" id=\"t56_202\">(18,049) </span><span class=\"S4685 SC43 S2\" id=\"t57_202\">(6,118) </span><span class=\"S4686 SC43 S2\" id=\"t58_202\">(2,718) </span><span class=\"S4687 SC43 S2\" id=\"t59_202\">(3,632) </span><span class=\"S4688 SC43 S2\" id=\"t5a_202\">(2,184) </span><span class=\"S4689 SC43 S2\" id=\"t5b_202\">(2,013) </span><span class=\"S468A SC43 S2\" id=\"t5c_202\">(1,384) </span><span class=\"S468B SC43 S2\" id=\"t5d_202\">Total Assets </span><span class=\"S468C SC43 S2\" id=\"t5e_202\">6,452,844 </span><span class=\"S468D SC43 S2\" id=\"t5f_202\">2,708,993 </span><span class=\"S468E SC43 S2\" id=\"t5g_202\">1,048,713 </span><span class=\"S468F SC43 S2\" id=\"t5h_202\">1,029,721 </span><span class=\"S4690 SC43 S2\" id=\"t5i_202\">664,395 </span><span class=\"S4691 SC43 S2\" id=\"t5j_202\">635,364 </span><span class=\"S4692 SC43 S2\" id=\"t5k_202\">365,658 </span><span class=\"S4693 SC43 S2\" id=\"t5l_202\">Total Liabilities </span><span class=\"S4694 SC43 S2\" id=\"t5m_202\">5,452,540 </span><span class=\"S4695 SC43 S2\" id=\"t5n_202\">2,350,873 </span><span class=\"S4696 SC43 S2\" id=\"t5o_202\">926,221 </span><span class=\"S4697 SC43 S2\" id=\"t5p_202\">723,417 </span><span class=\"S4698 SC43 S2\" id=\"t5q_202\">565,264 </span><span class=\"S4699 SC43 S2\" id=\"t5r_202\">574,537 </span><span class=\"S469A SC43 S2\" id=\"t5s_202\">312,228 </span><span class=\"S469B S483 S2\" id=\"t5t_202\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_203\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_203\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_203\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S436F SB S2\" id=\"t6_203\">As at 31 December 2021 </span><span class=\"S469D S27D S2\" id=\"t7_203\">Main components of the consolidated statement of profit or loss in HUF million </span><span class=\"S469E S27D S2\" id=\"t8_203\">OTP Group - in the </span><span class=\"S469F S27D S2\" id=\"t9_203\">consolidated statement of </span><span class=\"S46A0 S27D S2\" id=\"ta_203\">profit or loss - structure of </span><span class=\"S46A1 S27D S2\" id=\"tb_203\">accounting reports </span><span class=\"S46A2 S27E S2\" id=\"tc_203\">Adjustments on the </span><span class=\"S46A3 S27E S2\" id=\"td_203\">accounting in Recognized </span><span class=\"S46A4 S27E S2\" id=\"te_203\">Income </span><span class=\"S46A5 S27D S2\" id=\"tf_203\">OTP Group - in the </span><span class=\"S46A6 S27D S2\" id=\"tg_203\">consolidated statement of </span><span class=\"S46A7 S27D S2\" id=\"th_203\">profit or loss - structure of </span><span class=\"S46A8 S27D S2\" id=\"ti_203\">management reports </span><span class=\"S46A9 S27D S2\" id=\"tj_203\">a </span><span class=\"S46AA S27E S2\" id=\"tk_203\">b </span><span class=\"S46AB S27D S2\" id=\"tl_203\">1=a+b </span><span class=\"S46AC S27D S2\" id=\"tm_203\">Profit after income tax for the year from continued and </span><span class=\"S46AD S27D S2\" id=\"tn_203\">discontinued operations </span><span class=\"S46AE S27D S2\" id=\"to_203\">456,428 </span><span class=\"S46AF S27D S2\" id=\"tp_203\">456,428 </span><span class=\"S46B0 S27D S2\" id=\"tq_203\">Profit after income tax for the year from discontinued operations </span><span class=\"S46B1 S27D S2\" id=\"tr_203\">116 </span><span class=\"S46B2 S27D S2\" id=\"ts_203\">116 </span><span class=\"S294B S27D S2\" id=\"tt_203\">Profit after income tax for the year from continued operations </span><span class=\"S46B3 S27D S2\" id=\"tu_203\">456,312 </span><span class=\"S46B4 S27D S2\" id=\"tv_203\">456,312 </span><span class=\"S46B5 S27D S2\" id=\"tw_203\">Adjustments (total) </span><span class=\"S46B6 S27D S2\" id=\"tx_203\">(40,475) </span><span class=\"S46B7 S27D S2\" id=\"ty_203\">(40,475) </span><span class=\"S46B8 S27E S2\" id=\"tz_203\">Dividends and net cash transfers (after income tax) </span><span class=\"S46B9 S27E S2\" id=\"t10_203\">729 </span><span class=\"S46BA S27E S2\" id=\"t11_203\">729 </span><span class=\"S46BB S27E S2\" id=\"t12_203\">Goodwill /investment impairment (after income tax) </span><span class=\"S46BC S27E S2\" id=\"t13_203\">1,909 </span><span class=\"S4578 S27E S2\" id=\"t14_203\">1,909 </span><span class=\"S46BD S27E S2\" id=\"t15_203\">Bank tax on financial institutions (after income tax) </span><span class=\"S46BE S27E S2\" id=\"t16_203\">(18,893) </span><span class=\"S457E S27E S2\" id=\"t17_203\">(18,893) </span><span class=\"S46BF S27E S2\" id=\"t18_203\">Effect of acquisition (after income tax) </span><span class=\"S46C0 S27E S2\" id=\"t19_203\">(15,506) </span><span class=\"S4584 S27E S2\" id=\"t1a_203\">(15,506) </span><span class=\"S46C1 S27E S2\" id=\"t1b_203\">Expected one-off negative effect of the debt re- </span><span class=\"S46C2 S27E S2\" id=\"t1c_203\">payment moratorium in Hungary (after income tax) </span><span class=\"S46C3 S27E S2\" id=\"t1d_203\">(15,040) </span><span class=\"S4590 S27E S2\" id=\"t1e_203\">(15,040) </span><span class=\"S46C4 S27E S2\" id=\"t1f_203\">Result of the treasury share swap agreement </span><span class=\"S46C5 S27E S2\" id=\"t1g_203\">at OTP Core (after income tax) </span><span class=\"S46C6 S27E S2\" id=\"t1h_203\">6,326 </span><span class=\"S46C7 S27E S2\" id=\"t1i_203\">6,326 </span><span class=\"S46C8 S483 S2\" id=\"t1j_203\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_204\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_204\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_204\">Information regarding the Group\u2019s reportable segments is presented below </span><span class=\"S46C9 SB S2\" id=\"t6_204\">[continued]: </span><span class=\"S43AC SB S2\" id=\"t7_204\">As at 31 December 2021 [continued] </span><span class=\"S46CA SC43 S2\" id=\"t8_204\">Main components of the consolidated statement of profit or loss </span><span class=\"S46CB SC43 S2\" id=\"t9_204\">in HUF million </span><span class=\"S46CC SC43 S2\" id=\"ta_204\">OTP Group - in the </span><span class=\"S46CD SC43 S2\" id=\"tb_204\">consolidated statement </span><span class=\"S46CE SC43 S2\" id=\"tc_204\">of profit or loss - </span><span class=\"S46CF SC43 S2\" id=\"td_204\">structure of accounting </span><span class=\"S46D0 SC43 S2\" id=\"te_204\">reports </span><span class=\"S46D1 S483 S2\" id=\"tf_204\">Adjustments </span><span class=\"S46D2 S483 S2\" id=\"tg_204\">on the </span><span class=\"S46D3 S483 S2\" id=\"th_204\">accounting in </span><span class=\"S46D4 S483 S2\" id=\"ti_204\">Recognized </span><span class=\"S46D5 S483 S2\" id=\"tj_204\">Income </span><span class=\"S46D6 SC43 S2\" id=\"tk_204\">OTP Group - in the </span><span class=\"S46D7 SC43 S2\" id=\"tl_204\">consolidated </span><span class=\"S46D8 SC43 S2\" id=\"tm_204\">statement of profit or </span><span class=\"S46D9 SC43 S2\" id=\"tn_204\">loss - structure of </span><span class=\"S46DA SC43 S2\" id=\"to_204\">management reports </span><span class=\"S46DB S483 S2\" id=\"tp_204\">Hungarian segment and </span><span class=\"S46DC S483 S2\" id=\"tq_204\">other foreign </span><span class=\"S46DD S483 S2\" id=\"tr_204\">subsidiaries not reported </span><span class=\"S46DE S483 S2\" id=\"ts_204\">in \"Foreign bank </span><span class=\"S46DF S483 S2\" id=\"tt_204\">segment\" subtotal </span><span class=\"S46E0 S483 S2\" id=\"tu_204\">(without adjustments) </span><span class=\"S46E1 S483 S2\" id=\"tv_204\">Foreign banks in </span><span class=\"S46E2 S483 S2\" id=\"tw_204\">EU subtotal </span><span class=\"S46E3 S483 S2\" id=\"tx_204\">(without </span><span class=\"S46E4 S483 S2\" id=\"ty_204\">adjustments) </span><span class=\"S46E5 S483 S2\" id=\"tz_204\">Foreign banks </span><span class=\"S46E6 S483 S2\" id=\"t10_204\">not in EU </span><span class=\"S46E7 S483 S2\" id=\"t11_204\">subtotal </span><span class=\"S46E8 S483 S2\" id=\"t12_204\">(without </span><span class=\"S46E9 S483 S2\" id=\"t13_204\">adjustments) </span><span class=\"S46EA S483 S2\" id=\"t14_204\">Eliminations </span><span class=\"S46EB S483 S2\" id=\"t15_204\">and </span><span class=\"S46EC S483 S2\" id=\"t16_204\">adjustments </span><span class=\"S46ED SC43 S2\" id=\"t17_204\">a </span><span class=\"S46EE S483 S2\" id=\"t18_204\">b </span><span class=\"S46EF SC43 S2\" id=\"t19_204\">1=a+b; 1=2+3+4+5 </span><span class=\"S46F0 S483 S2\" id=\"t1a_204\">2 </span><span class=\"S46F1 S483 S2\" id=\"t1b_204\">3 </span><span class=\"S46F2 S483 S2\" id=\"t1c_204\">4 </span><span class=\"S46F3 S483 S2\" id=\"t1d_204\">5 </span><span class=\"S46F4 SC43 S2\" id=\"t1e_204\">Consolidated adjusted profit after income tax for the year </span><span class=\"S46F5 SC43 S2\" id=\"t1f_204\">456,312 </span><span class=\"S46F6 SC43 S2\" id=\"t1g_204\">44,071 </span><span class=\"S46F7 SC43 S2\" id=\"t1h_204\">500,383 </span><span class=\"S46F8 SC43 S2\" id=\"t1i_204\">240,838 </span><span class=\"S46F9 SC43 S2\" id=\"t1j_204\">131,309 </span><span class=\"S46FA SC43 S2\" id=\"t1k_204\">124,272 </span><span class=\"S46FB SC43 S2\" id=\"t1l_204\">3,964 </span><span class=\"S46FC SC43 S2\" id=\"t1m_204\">Profit before income tax </span><span class=\"S46FD SC43 S2\" id=\"t1n_204\">528,435 </span><span class=\"S46FE SC43 S2\" id=\"t1o_204\">62,899 </span><span class=\"S46FF SC43 S2\" id=\"t1p_204\">591,334 </span><span class=\"S4700 SC43 S2\" id=\"t1q_204\">284,803 </span><span class=\"S4701 SC43 S2\" id=\"t1r_204\">152,663 </span><span class=\"S4702 SC43 S2\" id=\"t1s_204\">148,419 </span><span class=\"S4703 SC43 S2\" id=\"t1t_204\">5,449 </span><span class=\"S4704 SC43 S2\" id=\"t1u_204\">Adjusted operating profit </span><span class=\"S4705 SC43 S2\" id=\"t1v_204\">597,770 </span><span class=\"S4706 SC43 S2\" id=\"t1w_204\">61,589 </span><span class=\"S4707 SC43 S2\" id=\"t1x_204\">659,359 </span><span class=\"S4708 SC43 S2\" id=\"t1y_204\">299,431 </span><span class=\"S4709 SC43 S2\" id=\"t1z_204\">178,192 </span><span class=\"S470A SC43 S2\" id=\"t20_204\">183,171 </span><span class=\"S470B SC43 S2\" id=\"t21_204\">(1,435) </span><span class=\"S470C SC43 S2\" id=\"t22_204\">Adjusted total income </span><span class=\"S470D SC43 S2\" id=\"t23_204\">1,345,382 </span><span class=\"S470E SC43 S2\" id=\"t24_204\">(33,290) </span><span class=\"S470F SC43 S2\" id=\"t25_204\">1,312,092 </span><span class=\"S4710 SC43 S2\" id=\"t26_204\">632,013 </span><span class=\"S4711 SC43 S2\" id=\"t27_204\">356,257 </span><span class=\"S4712 SC43 S2\" id=\"t28_204\">335,934 </span><span class=\"S4713 SC43 S2\" id=\"t29_204\">(12,112) </span><span class=\"S4714 S266A S2\" id=\"t2a_204\">Adjusted net interest income </span><span class=\"S4715 S266A S2\" id=\"t2b_204\">874,310 </span><span class=\"S4716 S266A S2\" id=\"t2c_204\">9,702 </span><span class=\"S4717 S266A S2\" id=\"t2d_204\">884,012 </span><span class=\"S4718 S266A S2\" id=\"t2e_204\">392,588 </span><span class=\"S4719 S266A S2\" id=\"t2f_204\">237,745 </span><span class=\"S471A S266A S2\" id=\"t2g_204\">252,782 </span><span class=\"S471B S266A S2\" id=\"t2h_204\">897 </span><span class=\"S471C S266A S2\" id=\"t2i_204\">Adjusted net profit </span><span class=\"S471D S266A S2\" id=\"t2j_204\">from fees and commissions </span><span class=\"S471E S266A S2\" id=\"t2k_204\">442,174 </span><span class=\"S3267 S266A S2\" id=\"t2l_204\">(116,626) </span><span class=\"S471F S266A S2\" id=\"t2m_204\">325,548 </span><span class=\"S4720 S266A S2\" id=\"t2n_204\">177,034 </span><span class=\"S4721 S266A S2\" id=\"t2o_204\">90,092 </span><span class=\"S4722 S266A S2\" id=\"t2p_204\">63,699 </span><span class=\"S4723 S266A S2\" id=\"t2q_204\">(5,277) </span><span class=\"S4724 S266A S2\" id=\"t2r_204\">Adjusted other net non-interest income </span><span class=\"S2CC0 S266A S2\" id=\"t2s_204\">28,898 </span><span class=\"S4725 S266A S2\" id=\"t2t_204\">73,634 </span><span class=\"S4726 S266A S2\" id=\"t2u_204\">102,532 </span><span class=\"S4727 S266A S2\" id=\"t2v_204\">62,391 </span><span class=\"S4728 S266A S2\" id=\"t2w_204\">28,420 </span><span class=\"S4729 S266A S2\" id=\"t2x_204\">19,453 </span><span class=\"S472A S266A S2\" id=\"t2y_204\">(7,732) </span><span class=\"S472B SC43 S2\" id=\"t2z_204\">Adjusted other administrative expenses </span><span class=\"S472C SC43 S2\" id=\"t30_204\">(747,612) </span><span class=\"S472D SC43 S2\" id=\"t31_204\">94,879 </span><span class=\"S472E SC43 S2\" id=\"t32_204\">(652,733) </span><span class=\"S472F SC43 S2\" id=\"t33_204\">(332,582) </span><span class=\"S4730 SC43 S2\" id=\"t34_204\">(178,065) </span><span class=\"S4731 SC43 S2\" id=\"t35_204\">(152,763) </span><span class=\"S4732 SC43 S2\" id=\"t36_204\">10,677 </span><span class=\"S4733 S266A S2\" id=\"t37_204\">Personnel expenses </span><span class=\"S4734 S266A S2\" id=\"t38_204\">(340,684) </span><span class=\"S4735 S266A S2\" id=\"t39_204\">483 </span><span class=\"S4736 S266A S2\" id=\"t3a_204\">(340,201) </span><span class=\"S4737 S266A S2\" id=\"t3b_204\">(163,957) </span><span class=\"S4738 S266A S2\" id=\"t3c_204\">(91,350) </span><span class=\"S4739 S266A S2\" id=\"t3d_204\">(85,606) </span><span class=\"S473A S266A S2\" id=\"t3e_204\">712 </span><span class=\"S473B S266A S2\" id=\"t3f_204\">Depreciation and amortization </span><span class=\"S473C S266A S2\" id=\"t3g_204\">(94,996) </span><span class=\"S473D S266A S2\" id=\"t3h_204\">22,180 </span><span class=\"S473E S266A S2\" id=\"t3i_204\">(72,816) </span><span class=\"S473F S266A S2\" id=\"t3j_204\">(42,088) </span><span class=\"S4740 S266A S2\" id=\"t3k_204\">(16,383) </span><span class=\"S4741 S266A S2\" id=\"t3l_204\">(13,966) </span><span class=\"S4742 S266A S2\" id=\"t3m_204\">(379) </span><span class=\"S4743 S266A S2\" id=\"t3n_204\">Other general expenses </span><span class=\"S4744 S266A S2\" id=\"t3o_204\">(311,932) </span><span class=\"S4745 S266A S2\" id=\"t3p_204\">72,216 </span><span class=\"S4746 S266A S2\" id=\"t3q_204\">(239,716) </span><span class=\"S4747 S266A S2\" id=\"t3r_204\">(126,537) </span><span class=\"S4748 S266A S2\" id=\"t3s_204\">(70,332) </span><span class=\"S4749 S266A S2\" id=\"t3t_204\">(53,191) </span><span class=\"S474A S266A S2\" id=\"t3u_204\">10,344 </span><span class=\"S474B SC43 S2\" id=\"t3v_204\">Gains from derecognition of </span><span class=\"S474C SC43 S2\" id=\"t3w_204\">financial assets at amortized cost </span><span class=\"S474D SC43 S2\" id=\"t3x_204\">1,885 </span><span class=\"S474E SC43 S2\" id=\"t3y_204\">(1) </span><span class=\"S474F SC43 S2\" id=\"t3z_204\">1,884 </span><span class=\"S4750 SC43 S2\" id=\"t40_204\">(1,791) </span><span class=\"S4751 SC43 S2\" id=\"t41_204\">1,814 </span><span class=\"S4752 SC43 S2\" id=\"t42_204\">1,862 </span><span class=\"S4753 SC43 S2\" id=\"t43_204\">(1) </span><span class=\"S4754 SC43 S2\" id=\"t44_204\">Modification loss </span><span class=\"S4755 SC43 S2\" id=\"t45_204\">(13,672) </span><span class=\"S4756 SC43 S2\" id=\"t46_204\">10,131 </span><span class=\"S4757 SC43 S2\" id=\"t47_204\">(3,541) </span><span class=\"S4758 SC43 S2\" id=\"t48_204\">(3,397) </span><span class=\"S4759 SC43 S2\" id=\"t49_204\">(14) </span><span class=\"S475A SC43 S2\" id=\"t4a_204\">(130) </span><span class=\"S475B SC43 S2\" id=\"t4b_204\">- </span><span class=\"S475C SC43 S2\" id=\"t4c_204\">Total risk costs </span><span class=\"S475D SC43 S2\" id=\"t4d_204\">(57,548) </span><span class=\"S475E SC43 S2\" id=\"t4e_204\">(8,820) </span><span class=\"S475F SC43 S2\" id=\"t4f_204\">(66,368) </span><span class=\"S4760 SC43 S2\" id=\"t4g_204\">(9,440) </span><span class=\"S4761 SC43 S2\" id=\"t4h_204\">(27,329) </span><span class=\"S4762 SC43 S2\" id=\"t4i_204\">(36,484) </span><span class=\"S4763 SC43 S2\" id=\"t4j_204\">6,885 </span><span class=\"S4764 S266A S2\" id=\"t4k_204\">Adjusted loss allowance on </span><span class=\"S4765 S266A S2\" id=\"t4l_204\">financial assets and liabilities </span><span class=\"S4766 S266A S2\" id=\"t4m_204\">(without the effect of revaluation of FX) </span><span class=\"S4767 S266A S2\" id=\"t4n_204\">(47,645) </span><span class=\"S4768 S266A S2\" id=\"t4o_204\">7,809 </span><span class=\"S4769 S266A S2\" id=\"t4p_204\">(39,836) </span><span class=\"S476A S266A S2\" id=\"t4q_204\">2,010 </span><span class=\"S476B S266A S2\" id=\"t4r_204\">(23,973) </span><span class=\"S476C S266A S2\" id=\"t4s_204\">(21,918) </span><span class=\"S476D S266A S2\" id=\"t4t_204\">4,045 </span><span class=\"S476E S266A S2\" id=\"t4u_204\">Other impairment (adjustment) </span><span class=\"S476F S266A S2\" id=\"t4v_204\">(9,903) </span><span class=\"S4770 S266A S2\" id=\"t4w_204\">(16,629) </span><span class=\"S4771 S266A S2\" id=\"t4x_204\">(26,532) </span><span class=\"S4772 S266A S2\" id=\"t4y_204\">(11,450) </span><span class=\"S4773 S266A S2\" id=\"t4z_204\">(3,356) </span><span class=\"S4774 S266A S2\" id=\"t50_204\">(14,566) </span><span class=\"S4775 S266A S2\" id=\"t51_204\">2,840 </span><span class=\"S4776 S266A S2\" id=\"t52_204\">from this: adjusted impairment under IAS 36 </span><span class=\"S4777 S266A S2\" id=\"t53_204\">(9,903) </span><span class=\"S4778 S266A S2\" id=\"t54_204\">437 </span><span class=\"S4779 S266A S2\" id=\"t55_204\">(9,466) </span><span class=\"S477A S266A S2\" id=\"t56_204\">(6,190) </span><span class=\"S477B S266A S2\" id=\"t57_204\">(3,001) </span><span class=\"S477C S266A S2\" id=\"t58_204\">(274) </span><span class=\"S477D S266A S2\" id=\"t59_204\">(1) </span><span class=\"S477E SC43 S2\" id=\"t5a_204\">Income tax </span><span class=\"S477F SC43 S2\" id=\"t5b_204\">(72,123) </span><span class=\"S4780 SC43 S2\" id=\"t5c_204\">(18,828) </span><span class=\"S4781 SC43 S2\" id=\"t5d_204\">(90,951) </span><span class=\"S4782 SC43 S2\" id=\"t5e_204\">(43,965) </span><span class=\"S4783 SC43 S2\" id=\"t5f_204\">(21,354) </span><span class=\"S4784 SC43 S2\" id=\"t5g_204\">(24,147) </span><span class=\"S4785 SC43 S2\" id=\"t5h_204\">(1,485) </span><span class=\"S4786 SC43 S2\" id=\"t5i_204\">Total Assets </span><span class=\"S4787 S20BA S2\" id=\"t5j_204\">1 </span><span class=\"S4788 SC43 S2\" id=\"t5k_204\">27,551,338 </span><span class=\"S4789 SC43 S2\" id=\"t5l_204\">- </span><span class=\"S478A SC43 S2\" id=\"t5m_204\">27,551,338 </span><span class=\"S478B SC43 S2\" id=\"t5n_204\">18,637,440 </span><span class=\"S478C SC43 S2\" id=\"t5o_204\">10,075,267 </span><span class=\"S478D SC43 S2\" id=\"t5p_204\">5,183,118 </span><span class=\"S478E SC43 S2\" id=\"t5q_204\">(6,344,487) </span><span class=\"S478F SC43 S2\" id=\"t5r_204\">Total Liabilities </span><span class=\"S4790 SC43 S2\" id=\"t5s_204\">24,516,618 </span><span class=\"S4791 SC43 S2\" id=\"t5t_204\">- </span><span class=\"S4792 SC43 S2\" id=\"t5u_204\">24,516,618 </span><span class=\"S4793 SC43 S2\" id=\"t5v_204\">14,861,117 </span><span class=\"S4794 SC43 S2\" id=\"t5w_204\">8,680,440 </span><span class=\"S4795 SC43 S2\" id=\"t5x_204\">4,316,145 </span><span class=\"S4796 SC43 S2\" id=\"t5y_204\">(3,341,084) </span><span class=\"S4797 S482 S2\" id=\"t5z_204\">1 </span><span class=\"S4798 S483 S2\" id=\"t60_204\">Relating to the discontinued operations the assets were HUF 2,046 million. </span><span class=\"S4799 S483 S2\" id=\"t61_204\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_205\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_205\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_205\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S479A SB S2\" id=\"t6_205\">As at 31 December 2021 [continued] </span><span class=\"S479B S27D S2\" id=\"t7_205\">Main components of the consolidated statement of profit or loss </span><span class=\"S479C S27D S2\" id=\"t8_205\">in HUF million [continued] </span><span class=\"S479D S27D S2\" id=\"t9_205\">Hungarian segment and other </span><span class=\"S479E S27D S2\" id=\"ta_205\">foreign subsidiaries not </span><span class=\"S479F S27D S2\" id=\"tb_205\">reported in \"Foreign bank </span><span class=\"S47A0 S27D S2\" id=\"tc_205\">segment\" subtotal (without </span><span class=\"S47A1 S27D S2\" id=\"td_205\">adjustments) </span><span class=\"S47A2 S27E S2\" id=\"te_205\">OTP CORE </span><span class=\"S47A3 S27E S2\" id=\"tf_205\">(Hungary) </span><span class=\"S47A4 S27E S2\" id=\"tg_205\">Merkantil </span><span class=\"S47A5 S27E S2\" id=\"th_205\">Group </span><span class=\"S47A6 S27E S2\" id=\"ti_205\">(Hungary) </span><span class=\"S47A7 S27E S2\" id=\"tj_205\">Asset </span><span class=\"S47A8 S27E S2\" id=\"tk_205\">Management </span><span class=\"S47A9 S27E S2\" id=\"tl_205\">subsidiaries </span><span class=\"S47AA S27E S2\" id=\"tm_205\">Other </span><span class=\"S47AB S27E S2\" id=\"tn_205\">subsidiaries </span><span class=\"S47AC S27E S2\" id=\"to_205\">Corporate </span><span class=\"S47AD S27E S2\" id=\"tp_205\">Centre </span><span class=\"S47AE S453A S2\" id=\"tq_205\">2=6+\u2026+10 </span><span class=\"S47AF S27E S2\" id=\"tr_205\">6 </span><span class=\"S47B0 S27E S2\" id=\"ts_205\">7 </span><span class=\"S47B1 S27E S2\" id=\"tt_205\">8 </span><span class=\"S47B2 S27E S2\" id=\"tu_205\">9 </span><span class=\"S47B3 S27E S2\" id=\"tv_205\">10 </span><span class=\"S47B4 S27D S2\" id=\"tw_205\">Consolidated adjusted profit after income tax for the year </span><span class=\"S47B5 S27D S2\" id=\"tx_205\">240,838 </span><span class=\"S47B6 S27D S2\" id=\"ty_205\">213,378 </span><span class=\"S47B7 S27D S2\" id=\"tz_205\">7,998 </span><span class=\"S47B8 S27D S2\" id=\"t10_205\">6,321 </span><span class=\"S47B9 S27D S2\" id=\"t11_205\">10,254 </span><span class=\"S47BA S27D S2\" id=\"t12_205\">2,887 </span><span class=\"S47BB S27D S2\" id=\"t13_205\">Profit before income tax </span><span class=\"S47BC S27D S2\" id=\"t14_205\">284,803 </span><span class=\"S47BD S27D S2\" id=\"t15_205\">253,972 </span><span class=\"S47BE S27D S2\" id=\"t16_205\">8,916 </span><span class=\"S47BF S27D S2\" id=\"t17_205\">7,138 </span><span class=\"S47C0 S27D S2\" id=\"t18_205\">11,777 </span><span class=\"S47C1 S27D S2\" id=\"t19_205\">3,000 </span><span class=\"S47C2 S27D S2\" id=\"t1a_205\">Adjusted operating profit </span><span class=\"S47C3 S27D S2\" id=\"t1b_205\">299,431 </span><span class=\"S47C4 S27D S2\" id=\"t1c_205\">256,151 </span><span class=\"S47C5 S27D S2\" id=\"t1d_205\">11,961 </span><span class=\"S47C6 S27D S2\" id=\"t1e_205\">7,141 </span><span class=\"S47C7 S27D S2\" id=\"t1f_205\">23,938 </span><span class=\"S47C8 S27D S2\" id=\"t1g_205\">240 </span><span class=\"S47C9 S27D S2\" id=\"t1h_205\">Adjusted total income </span><span class=\"S47CA S27D S2\" id=\"t1i_205\">632,013 </span><span class=\"S47CB S27D S2\" id=\"t1j_205\">545,185 </span><span class=\"S47CC S27D S2\" id=\"t1k_205\">23,291 </span><span class=\"S47CD S27D S2\" id=\"t1l_205\">11,064 </span><span class=\"S47CE S27D S2\" id=\"t1m_205\">51,213 </span><span class=\"S47CF S27D S2\" id=\"t1n_205\">1,260 </span><span class=\"S47D0 S27E S2\" id=\"t1o_205\">Adjusted net interest income </span><span class=\"S47D1 S27E S2\" id=\"t1p_205\">392,588 </span><span class=\"S47D2 S27E S2\" id=\"t1q_205\">369,309 </span><span class=\"S47D3 S27E S2\" id=\"t1r_205\">20,680 </span><span class=\"S47D4 S27E S2\" id=\"t1s_205\">4 </span><span class=\"S47D5 S27E S2\" id=\"t1t_205\">1,335 </span><span class=\"S4572 S27E S2\" id=\"t1u_205\">1,260 </span><span class=\"S47D6 S27E S2\" id=\"t1v_205\">Adjusted net profit </span><span class=\"S47D7 S27E S2\" id=\"t1w_205\">from fees and commissions </span><span class=\"S47D8 S27E S2\" id=\"t1x_205\">177,034 </span><span class=\"S47D9 S27E S2\" id=\"t1y_205\">150,578 </span><span class=\"S47DA S27E S2\" id=\"t1z_205\">116 </span><span class=\"S47DB S27E S2\" id=\"t20_205\">10,786 </span><span class=\"S47DC S27E S2\" id=\"t21_205\">15,554 </span><span class=\"S47DD S27E S2\" id=\"t22_205\">- </span><span class=\"S47DE S27E S2\" id=\"t23_205\">Adjusted other net non-interest income </span><span class=\"S47DF S27E S2\" id=\"t24_205\">62,391 </span><span class=\"S47E0 S27E S2\" id=\"t25_205\">25,298 </span><span class=\"S47E1 S27E S2\" id=\"t26_205\">2,495 </span><span class=\"S47E2 S27E S2\" id=\"t27_205\">274 </span><span class=\"S47E3 S27E S2\" id=\"t28_205\">34,324 </span><span class=\"S47E4 S27E S2\" id=\"t29_205\">- </span><span class=\"S47E5 S27D S2\" id=\"t2a_205\">Adjusted other administrative expenses </span><span class=\"S47E6 S27D S2\" id=\"t2b_205\">(332,582) </span><span class=\"S47E7 S27D S2\" id=\"t2c_205\">(289,034) </span><span class=\"S47E8 S27D S2\" id=\"t2d_205\">(11,330) </span><span class=\"S47E9 S27D S2\" id=\"t2e_205\">(3,923) </span><span class=\"S47EA S27D S2\" id=\"t2f_205\">(27,275) </span><span class=\"S458A S27D S2\" id=\"t2g_205\">(1,020) </span><span class=\"S47EB S27E S2\" id=\"t2h_205\">Personnel expenses </span><span class=\"S47EC S27E S2\" id=\"t2i_205\">(163,957) </span><span class=\"S47ED S27E S2\" id=\"t2j_205\">(143,234) </span><span class=\"S47EE S27E S2\" id=\"t2k_205\">(4,654) </span><span class=\"S47EF S27E S2\" id=\"t2l_205\">(2,443) </span><span class=\"S47F0 S27E S2\" id=\"t2m_205\">(13,531) </span><span class=\"S47F1 S27E S2\" id=\"t2n_205\">(95) </span><span class=\"S47F2 S27E S2\" id=\"t2o_205\">Depreciation and amortization </span><span class=\"S47F3 S27E S2\" id=\"t2p_205\">(42,088) </span><span class=\"S47F4 S27E S2\" id=\"t2q_205\">(36,926) </span><span class=\"S47F5 S27E S2\" id=\"t2r_205\">(1,428) </span><span class=\"S47F6 S27E S2\" id=\"t2s_205\">(231) </span><span class=\"S47F7 S27E S2\" id=\"t2t_205\">(3,501) </span><span class=\"S47F8 S27E S2\" id=\"t2u_205\">(2) </span><span class=\"S47F9 S27E S2\" id=\"t2v_205\">Other general expenses </span><span class=\"S47FA S27E S2\" id=\"t2w_205\">(126,537) </span><span class=\"S47FB S27E S2\" id=\"t2x_205\">(108,874) </span><span class=\"S47FC S27E S2\" id=\"t2y_205\">(5,248) </span><span class=\"S47FD S27E S2\" id=\"t2z_205\">(1,249) </span><span class=\"S47FE S27E S2\" id=\"t30_205\">(10,243) </span><span class=\"S47FF S27E S2\" id=\"t31_205\">(923) </span><span class=\"S4800 S27D S2\" id=\"t32_205\">Gains from derecognition of </span><span class=\"S4801 S27D S2\" id=\"t33_205\">financial assets at amortized cost </span><span class=\"S4802 S27D S2\" id=\"t34_205\">(1,791) </span><span class=\"S4803 S27D S2\" id=\"t35_205\">(1,598) </span><span class=\"S4804 S27D S2\" id=\"t36_205\">(193) </span><span class=\"S4805 S27D S2\" id=\"t37_205\">- </span><span class=\"S4806 S27D S2\" id=\"t38_205\">- </span><span class=\"S4807 S27D S2\" id=\"t39_205\">- </span><span class=\"S4808 S27D S2\" id=\"t3a_205\">Modification loss </span><span class=\"S4809 S27D S2\" id=\"t3b_205\">(3,397) </span><span class=\"S480A S27D S2\" id=\"t3c_205\">(3,397) </span><span class=\"S480B S27D S2\" id=\"t3d_205\">- </span><span class=\"S480C S27D S2\" id=\"t3e_205\">- </span><span class=\"S480D S27D S2\" id=\"t3f_205\">- </span><span class=\"S480E S27D S2\" id=\"t3g_205\">- </span><span class=\"S480F S27D S2\" id=\"t3h_205\">Total risk costs </span><span class=\"S4810 S27D S2\" id=\"t3i_205\">(9,440) </span><span class=\"S4811 S27D S2\" id=\"t3j_205\">2,816 </span><span class=\"S4812 S27D S2\" id=\"t3k_205\">(2,852) </span><span class=\"S4813 S27D S2\" id=\"t3l_205\">(3) </span><span class=\"S4814 S27D S2\" id=\"t3m_205\">(12,161) </span><span class=\"S4815 S27D S2\" id=\"t3n_205\">2,760 </span><span class=\"S4816 S27E S2\" id=\"t3o_205\">Adjusted loss allowance on </span><span class=\"S4817 S27E S2\" id=\"t3p_205\">financial assets and liabilities </span><span class=\"S4818 S27E S2\" id=\"t3q_205\">(without the effect of revaluation of FX) </span><span class=\"S4819 S27E S2\" id=\"t3r_205\">2,010 </span><span class=\"S481A S27E S2\" id=\"t3s_205\">4,910 </span><span class=\"S481B S27E S2\" id=\"t3t_205\">(2,900) </span><span class=\"S481C S27E S2\" id=\"t3u_205\">- </span><span class=\"S481D S27E S2\" id=\"t3v_205\">- </span><span class=\"S481E S27E S2\" id=\"t3w_205\">- </span><span class=\"S481F S27E S2\" id=\"t3x_205\">Other impairment (adjustment) </span><span class=\"S4820 S27E S2\" id=\"t3y_205\">(11,450) </span><span class=\"S4821 S27E S2\" id=\"t3z_205\">(2,094) </span><span class=\"S4822 S27E S2\" id=\"t40_205\">48 </span><span class=\"S4823 S27E S2\" id=\"t41_205\">(3) </span><span class=\"S4824 S27E S2\" id=\"t42_205\">(12,161) </span><span class=\"S4825 S27E S2\" id=\"t43_205\">2,760 </span><span class=\"S4826 S27E S2\" id=\"t44_205\">from this: adjusted impairment under IAS 36 </span><span class=\"S4827 S27E S2\" id=\"t45_205\">(6,190) </span><span class=\"S4828 S27E S2\" id=\"t46_205\">70 </span><span class=\"S4829 S27E S2\" id=\"t47_205\">179 </span><span class=\"S482A S27E S2\" id=\"t48_205\">(14) </span><span class=\"S482B S27E S2\" id=\"t49_205\">(6,425) </span><span class=\"S482C S27E S2\" id=\"t4a_205\">- </span><span class=\"S482D S27D S2\" id=\"t4b_205\">Income tax </span><span class=\"S482E S27D S2\" id=\"t4c_205\">(43,965) </span><span class=\"S482F S27D S2\" id=\"t4d_205\">(40,594) </span><span class=\"S4830 S27D S2\" id=\"t4e_205\">(918) </span><span class=\"S4831 S27D S2\" id=\"t4f_205\">(817) </span><span class=\"S4832 S27D S2\" id=\"t4g_205\">(1,523) </span><span class=\"S4833 S27D S2\" id=\"t4h_205\">(113) </span><span class=\"S4834 S27D S2\" id=\"t4i_205\">Total Assets </span><span class=\"S4835 S27D S2\" id=\"t4j_205\">18,637,440 </span><span class=\"S4836 S27D S2\" id=\"t4k_205\">14,205,354 </span><span class=\"S4837 S27D S2\" id=\"t4l_205\">782,222 </span><span class=\"S4838 S27D S2\" id=\"t4m_205\">27,753 </span><span class=\"S4839 S27D S2\" id=\"t4n_205\">512,742 </span><span class=\"S45CE S27D S2\" id=\"t4o_205\">3,109,369 </span><span class=\"S483A S27D S2\" id=\"t4p_205\">Total Liabilities </span><span class=\"S483B S27D S2\" id=\"t4q_205\">14,861,117 </span><span class=\"S483C S27D S2\" id=\"t4r_205\">12,195,467 </span><span class=\"S483D S27D S2\" id=\"t4s_205\">722,976 </span><span class=\"S483E S27D S2\" id=\"t4t_205\">12,610 </span><span class=\"S483F S27D S2\" id=\"t4u_205\">236,701 </span><span class=\"S4840 S27D S2\" id=\"t4v_205\">1,693,363 </span><span class=\"S4841 S483 S2\" id=\"t4w_205\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_206\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_206\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_206\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t6_206\">As at 31 December 2021 [continued] </span><span class=\"S4842 S27D S2\" id=\"t7_206\">Main components of the consolidated statement of profit or loss in </span><span class=\"S453C S27D S2\" id=\"t8_206\">HUF million [continued] </span><span class=\"S453D S27D S2\" id=\"t9_206\">Foreign banks in EU </span><span class=\"S453E S27D S2\" id=\"ta_206\">subtotal (without </span><span class=\"S453F S27D S2\" id=\"tb_206\">adjustments) </span><span class=\"S4540 S27E S2\" id=\"tc_206\">DSK Bank AD </span><span class=\"S4541 S27E S2\" id=\"td_206\">(Bulgaria) </span><span class=\"S4542 S27E S2\" id=\"te_206\">OTP banka d.d. </span><span class=\"S4543 S27E S2\" id=\"tf_206\">(Croatia) </span><span class=\"S4544 S27E S2\" id=\"tg_206\">SKB Banka d.d. </span><span class=\"S4545 S27E S2\" id=\"th_206\">(Slovenia) </span><span class=\"S4546 S27E S2\" id=\"ti_206\">OTP Bank </span><span class=\"S4547 S27E S2\" id=\"tj_206\">Romania S.A. </span><span class=\"S4548 S27E S2\" id=\"tk_206\">(Romania) </span><span class=\"S4549 S453A S2\" id=\"tl_206\">3=11+\u2026+14 </span><span class=\"S454A S27E S2\" id=\"tm_206\">11 </span><span class=\"S454B S27E S2\" id=\"tn_206\">12 </span><span class=\"S454C S27E S2\" id=\"to_206\">13 </span><span class=\"S454D S27E S2\" id=\"tp_206\">14 </span><span class=\"S454E S27D S2\" id=\"tq_206\">Consolidated adjusted profit after income tax for the year </span><span class=\"S454F S27D S2\" id=\"tr_206\">131,309 </span><span class=\"S4843 S27D S2\" id=\"ts_206\">76,789 </span><span class=\"S4551 S27D S2\" id=\"tt_206\">33,446 </span><span class=\"S4552 S27D S2\" id=\"tu_206\">16,822 </span><span class=\"S4553 S27D S2\" id=\"tv_206\">4,252 </span><span class=\"S4554 S27D S2\" id=\"tw_206\">Profit before income tax </span><span class=\"S4555 S27D S2\" id=\"tx_206\">152,663 </span><span class=\"S4844 S27D S2\" id=\"ty_206\">85,243 </span><span class=\"S4557 S27D S2\" id=\"tz_206\">41,064 </span><span class=\"S4558 S27D S2\" id=\"t10_206\">20,660 </span><span class=\"S4559 S27D S2\" id=\"t11_206\">5,696 </span><span class=\"S455A S27D S2\" id=\"t12_206\">Adjusted operating profit </span><span class=\"S455B S27D S2\" id=\"t13_206\">178,192 </span><span class=\"S455C S27D S2\" id=\"t14_206\">106,240 </span><span class=\"S455D S27D S2\" id=\"t15_206\">43,421 </span><span class=\"S455E S27D S2\" id=\"t16_206\">19,595 </span><span class=\"S47BA S27D S2\" id=\"t17_206\">8,936 </span><span class=\"S4560 S27D S2\" id=\"t18_206\">Adjusted total income </span><span class=\"S4561 S27D S2\" id=\"t19_206\">356,257 </span><span class=\"S4562 S27D S2\" id=\"t1a_206\">178,470 </span><span class=\"S4845 S27D S2\" id=\"t1b_206\">88,735 </span><span class=\"S4564 S27D S2\" id=\"t1c_206\">42,354 </span><span class=\"S4565 S27D S2\" id=\"t1d_206\">46,698 </span><span class=\"S4566 S27E S2\" id=\"t1e_206\">Adjusted net interest income </span><span class=\"S4567 S27E S2\" id=\"t1f_206\">237,745 </span><span class=\"S4568 S27E S2\" id=\"t1g_206\">112,869 </span><span class=\"S4569 S27E S2\" id=\"t1h_206\">60,933 </span><span class=\"S456A S27E S2\" id=\"t1i_206\">27,673 </span><span class=\"S456B S27E S2\" id=\"t1j_206\">36,270 </span><span class=\"S456C S27E S2\" id=\"t1k_206\">Adjusted net profit </span><span class=\"S456D S27E S2\" id=\"t1l_206\">from fees and commissions </span><span class=\"S4846 S27E S2\" id=\"t1m_206\">90,092 </span><span class=\"S456F S27E S2\" id=\"t1n_206\">54,508 </span><span class=\"S4570 S27E S2\" id=\"t1o_206\">18,183 </span><span class=\"S4571 S27E S2\" id=\"t1p_206\">13,258 </span><span class=\"S4572 S27E S2\" id=\"t1q_206\">4,143 </span><span class=\"S4573 S27E S2\" id=\"t1r_206\">Adjusted other net non-interest income </span><span class=\"S4574 S27E S2\" id=\"t1s_206\">28,420 </span><span class=\"S4575 S27E S2\" id=\"t1t_206\">11,093 </span><span class=\"S4576 S27E S2\" id=\"t1u_206\">9,619 </span><span class=\"S4577 S27E S2\" id=\"t1v_206\">1,423 </span><span class=\"S4578 S27E S2\" id=\"t1w_206\">6,285 </span><span class=\"S4579 S27D S2\" id=\"t1x_206\">Adjusted other administrative expenses </span><span class=\"S457A S27D S2\" id=\"t1y_206\">(178,065) </span><span class=\"S457B S27D S2\" id=\"t1z_206\">(72,230) </span><span class=\"S457C S27D S2\" id=\"t20_206\">(45,314) </span><span class=\"S457D S27D S2\" id=\"t21_206\">(22,759) </span><span class=\"S457E S27D S2\" id=\"t22_206\">(37,762) </span><span class=\"S457F S27E S2\" id=\"t23_206\">Personnel expenses </span><span class=\"S4847 S27E S2\" id=\"t24_206\">(91,350) </span><span class=\"S4581 S27E S2\" id=\"t25_206\">(34,284) </span><span class=\"S4582 S27E S2\" id=\"t26_206\">(23,111) </span><span class=\"S4583 S27E S2\" id=\"t27_206\">(13,015) </span><span class=\"S4584 S27E S2\" id=\"t28_206\">(20,940) </span><span class=\"S4585 S27E S2\" id=\"t29_206\">Depreciation and amortization </span><span class=\"S4586 S27E S2\" id=\"t2a_206\">(16,383) </span><span class=\"S4587 S27E S2\" id=\"t2b_206\">(7,160) </span><span class=\"S4588 S27E S2\" id=\"t2c_206\">(4,392) </span><span class=\"S4589 S27E S2\" id=\"t2d_206\">(1,350) </span><span class=\"S458A S27E S2\" id=\"t2e_206\">(3,481) </span><span class=\"S458B S27E S2\" id=\"t2f_206\">Other general expenses </span><span class=\"S458C S27E S2\" id=\"t2g_206\">(70,332) </span><span class=\"S458D S27E S2\" id=\"t2h_206\">(30,786) </span><span class=\"S458E S27E S2\" id=\"t2i_206\">(17,811) </span><span class=\"S4848 S27E S2\" id=\"t2j_206\">(8,394) </span><span class=\"S4590 S27E S2\" id=\"t2k_206\">(13,341) </span><span class=\"S4591 S27D S2\" id=\"t2l_206\">Gains from derecognition of </span><span class=\"S4592 S27D S2\" id=\"t2m_206\">financial assets at amortized cost </span><span class=\"S4593 S27D S2\" id=\"t2n_206\">1,814 </span><span class=\"S4594 S27D S2\" id=\"t2o_206\">1,893 </span><span class=\"S4849 S27D S2\" id=\"t2p_206\">1,449 </span><span class=\"S4596 S27D S2\" id=\"t2q_206\">- </span><span class=\"S484A S27D S2\" id=\"t2r_206\">(1,528) </span><span class=\"S4598 S27D S2\" id=\"t2s_206\">Modification loss </span><span class=\"S484B S27D S2\" id=\"t2t_206\">(14) </span><span class=\"S459A S27D S2\" id=\"t2u_206\">- </span><span class=\"S459B S27D S2\" id=\"t2v_206\">- </span><span class=\"S484C S27D S2\" id=\"t2w_206\">(14) </span><span class=\"S459D S27D S2\" id=\"t2x_206\">- </span><span class=\"S459E S27D S2\" id=\"t2y_206\">Total risk costs </span><span class=\"S459F S27D S2\" id=\"t2z_206\">(27,329) </span><span class=\"S45A0 S27D S2\" id=\"t30_206\">(22,890) </span><span class=\"S484D S27D S2\" id=\"t31_206\">(3,806) </span><span class=\"S45A2 S27D S2\" id=\"t32_206\">1,079 </span><span class=\"S484E S27D S2\" id=\"t33_206\">(1,712) </span><span class=\"S45A4 S27E S2\" id=\"t34_206\">Adjusted loss allowance on </span><span class=\"S45A5 S27E S2\" id=\"t35_206\">financial assets and liabilities </span><span class=\"S45A6 S27E S2\" id=\"t36_206\">(without the effect of revaluation of FX) </span><span class=\"S484F S27E S2\" id=\"t37_206\">(23,973) </span><span class=\"S45A8 S27E S2\" id=\"t38_206\">(20,831) </span><span class=\"S4850 S27E S2\" id=\"t39_206\">318 </span><span class=\"S45AA S27E S2\" id=\"t3a_206\">1,833 </span><span class=\"S4851 S27E S2\" id=\"t3b_206\">(5,293) </span><span class=\"S4852 S27E S2\" id=\"t3c_206\">Other impairment (adjustment) </span><span class=\"S4853 S27E S2\" id=\"t3d_206\">(3,356) </span><span class=\"S4854 S27E S2\" id=\"t3e_206\">(2,059) </span><span class=\"S4855 S27E S2\" id=\"t3f_206\">(4,124) </span><span class=\"S4856 S27E S2\" id=\"t3g_206\">(754) </span><span class=\"S4857 S27E S2\" id=\"t3h_206\">3,581 </span><span class=\"S4858 S27E S2\" id=\"t3i_206\">from this: adjusted impairment under IAS 36 </span><span class=\"S45B2 S27E S2\" id=\"t3j_206\">(3,001) </span><span class=\"S4859 S27E S2\" id=\"t3k_206\">(2,401) </span><span class=\"S485A S27E S2\" id=\"t3l_206\">(135) </span><span class=\"S485B S27E S2\" id=\"t3m_206\">- </span><span class=\"S485C S27E S2\" id=\"t3n_206\">(465) </span><span class=\"S485D S27D S2\" id=\"t3o_206\">Income tax </span><span class=\"S485E S27D S2\" id=\"t3p_206\">(21,354) </span><span class=\"S485F S27D S2\" id=\"t3q_206\">(8,454) </span><span class=\"S4860 S27D S2\" id=\"t3r_206\">(7,618) </span><span class=\"S4861 S27D S2\" id=\"t3s_206\">(3,838) </span><span class=\"S4862 S27D S2\" id=\"t3t_206\">(1,444) </span><span class=\"S4863 S27D S2\" id=\"t3u_206\">Total Assets </span><span class=\"S4864 S27D S2\" id=\"t3v_206\">10,075,267 </span><span class=\"S4865 S27D S2\" id=\"t3w_206\">4,627,132 </span><span class=\"S4866 S27D S2\" id=\"t3x_206\">2,576,445 </span><span class=\"S4867 S27D S2\" id=\"t3y_206\">1,433,206 </span><span class=\"S4868 S27D S2\" id=\"t3z_206\">1,438,484 </span><span class=\"S4869 S27D S2\" id=\"t40_206\">Total Liabilities </span><span class=\"S486A S27D S2\" id=\"t41_206\">8,680,440 </span><span class=\"S45C5 S27D S2\" id=\"t42_206\">3,927,757 </span><span class=\"S45C6 S27D S2\" id=\"t43_206\">2,225,422 </span><span class=\"S45C7 S27D S2\" id=\"t44_206\">1,253,691 </span><span class=\"S45C8 S27D S2\" id=\"t45_206\">1,273,570 </span><span class=\"S486B S483 S2\" id=\"t46_206\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_207\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_207\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S45D0 SB S2\" id=\"t5_207\">Information regarding the </span><span class=\"S45D1 S603 S2\" id=\"t6_207\">Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t7_207\">As at 31 December 2021 [continued] </span><span class=\"S486C SC43 S2\" id=\"t8_207\">Main components of the consolidated statement of profit or loss in </span><span class=\"S486D SC43 S2\" id=\"t9_207\">HUF million [continued] </span><span class=\"S486E SC43 S2\" id=\"ta_207\">Foreign banks not in EU </span><span class=\"S486F SC43 S2\" id=\"tb_207\">subtotal (without </span><span class=\"S4870 SC43 S2\" id=\"tc_207\">adjustments) </span><span class=\"S4871 S483 S2\" id=\"td_207\">OTP banka </span><span class=\"S4872 S483 S2\" id=\"te_207\">Srbija a.d. </span><span class=\"S4873 S483 S2\" id=\"tf_207\">(Serbia) </span><span class=\"S4874 S483 S2\" id=\"tg_207\">OTP Bank </span><span class=\"S4875 S483 S2\" id=\"th_207\">JSC </span><span class=\"S4876 S483 S2\" id=\"ti_207\">(Ukraine) </span><span class=\"S4877 S483 S2\" id=\"tj_207\">JSC \"OTP </span><span class=\"S4878 S483 S2\" id=\"tk_207\">Bank\" (Russia) </span><span class=\"S4879 S483 S2\" id=\"tl_207\">and Touch Bank </span><span class=\"S487A S483 S2\" id=\"tm_207\">Crnogorska </span><span class=\"S487B S483 S2\" id=\"tn_207\">komercijalna banka </span><span class=\"S487C S483 S2\" id=\"to_207\">a.d. (Montenegro) </span><span class=\"S487D S483 S2\" id=\"tp_207\">Banka OTP </span><span class=\"S487E S483 S2\" id=\"tq_207\">Albania SHA </span><span class=\"S487F S483 S2\" id=\"tr_207\">(Albania) </span><span class=\"S4880 S483 S2\" id=\"ts_207\">OTP Bank </span><span class=\"S4881 S483 S2\" id=\"tt_207\">S.A. </span><span class=\"S4882 S483 S2\" id=\"tu_207\">(Moldova) </span><span class=\"S4883 S469C S2\" id=\"tv_207\">4=15+\u2026+20 </span><span class=\"S4884 S483 S2\" id=\"tw_207\">15 </span><span class=\"S4885 S483 S2\" id=\"tx_207\">16 </span><span class=\"S4886 S483 S2\" id=\"ty_207\">17 </span><span class=\"S4887 S483 S2\" id=\"tz_207\">18 </span><span class=\"S4888 S483 S2\" id=\"t10_207\">19 </span><span class=\"S4889 S483 S2\" id=\"t11_207\">20 </span><span class=\"S488A SC43 S2\" id=\"t12_207\">Consolidated adjusted profit after income tax for the year </span><span class=\"S488B SC43 S2\" id=\"t13_207\">124,272 </span><span class=\"S488C SC43 S2\" id=\"t14_207\">32,104 </span><span class=\"S488D SC43 S2\" id=\"t15_207\">39,025 </span><span class=\"S488E SC43 S2\" id=\"t16_207\">37,624 </span><span class=\"S488F SC43 S2\" id=\"t17_207\">4,139 </span><span class=\"S4890 SC43 S2\" id=\"t18_207\">5,521 </span><span class=\"S4151 SC43 S2\" id=\"t19_207\">5,859 </span><span class=\"S4891 SC43 S2\" id=\"t1a_207\">Profit before income tax </span><span class=\"S4892 SC43 S2\" id=\"t1b_207\">148,419 </span><span class=\"S4893 SC43 S2\" id=\"t1c_207\">35,714 </span><span class=\"S4894 SC43 S2\" id=\"t1d_207\">47,267 </span><span class=\"S4895 SC43 S2\" id=\"t1e_207\">47,314 </span><span class=\"S4896 SC43 S2\" id=\"t1f_207\">4,956 </span><span class=\"S4897 SC43 S2\" id=\"t1g_207\">6,507 </span><span class=\"S4898 SC43 S2\" id=\"t1h_207\">6,661 </span><span class=\"S4899 SC43 S2\" id=\"t1i_207\">Adjusted operating profit </span><span class=\"S489A SC43 S2\" id=\"t1j_207\">183,171 </span><span class=\"S489B SC43 S2\" id=\"t1k_207\">40,754 </span><span class=\"S489C SC43 S2\" id=\"t1l_207\">54,761 </span><span class=\"S489D SC43 S2\" id=\"t1m_207\">62,368 </span><span class=\"S489E SC43 S2\" id=\"t1n_207\">10,240 </span><span class=\"S489F SC43 S2\" id=\"t1o_207\">7,212 </span><span class=\"S48A0 SC43 S2\" id=\"t1p_207\">7,836 </span><span class=\"S48A1 SC43 S2\" id=\"t1q_207\">Adjusted total income </span><span class=\"S48A2 SC43 S2\" id=\"t1r_207\">335,934 </span><span class=\"S48A3 SC43 S2\" id=\"t1s_207\">83,493 </span><span class=\"S48A4 SC43 S2\" id=\"t1t_207\">83,567 </span><span class=\"S48A5 SC43 S2\" id=\"t1u_207\">118,158 </span><span class=\"S48A6 SC43 S2\" id=\"t1v_207\">22,046 </span><span class=\"S48A7 SC43 S2\" id=\"t1w_207\">13,398 </span><span class=\"S48A8 SC43 S2\" id=\"t1x_207\">15,272 </span><span class=\"S48A9 S483 S2\" id=\"t1y_207\">Adjusted net interest income </span><span class=\"S48AA S483 S2\" id=\"t1z_207\">252,782 </span><span class=\"S48AB S483 S2\" id=\"t20_207\">62,497 </span><span class=\"S48AC S483 S2\" id=\"t21_207\">62,051 </span><span class=\"S48AD S483 S2\" id=\"t22_207\">91,364 </span><span class=\"S48AE S483 S2\" id=\"t23_207\">16,553 </span><span class=\"S48AF S483 S2\" id=\"t24_207\">10,619 </span><span class=\"S48B0 S483 S2\" id=\"t25_207\">9,698 </span><span class=\"S48B1 S483 S2\" id=\"t26_207\">Adjusted net profit </span><span class=\"S48B2 S483 S2\" id=\"t27_207\">from fees and commissions </span><span class=\"S48B3 S483 S2\" id=\"t28_207\">63,699 </span><span class=\"S48B4 S483 S2\" id=\"t29_207\">14,410 </span><span class=\"S48B5 S483 S2\" id=\"t2a_207\">14,494 </span><span class=\"S48B6 S483 S2\" id=\"t2b_207\">25,728 </span><span class=\"S48B7 S483 S2\" id=\"t2c_207\">4,880 </span><span class=\"S48B8 S483 S2\" id=\"t2d_207\">1,843 </span><span class=\"S48B9 S483 S2\" id=\"t2e_207\">2,344 </span><span class=\"S48BA S483 S2\" id=\"t2f_207\">Adjusted other net non-interest income </span><span class=\"S48BB S483 S2\" id=\"t2g_207\">19,453 </span><span class=\"S48BC S483 S2\" id=\"t2h_207\">6,586 </span><span class=\"S48BD S483 S2\" id=\"t2i_207\">7,022 </span><span class=\"S48BE S483 S2\" id=\"t2j_207\">1,066 </span><span class=\"S48BF S483 S2\" id=\"t2k_207\">613 </span><span class=\"S48C0 S483 S2\" id=\"t2l_207\">936 </span><span class=\"S48C1 S483 S2\" id=\"t2m_207\">3,230 </span><span class=\"S48C2 SC43 S2\" id=\"t2n_207\">Adjusted other administrative expenses </span><span class=\"S48C3 SC43 S2\" id=\"t2o_207\">(152,763) </span><span class=\"S48C4 SC43 S2\" id=\"t2p_207\">(42,739) </span><span class=\"S48C5 SC43 S2\" id=\"t2q_207\">(28,806) </span><span class=\"S48C6 SC43 S2\" id=\"t2r_207\">(55,790) </span><span class=\"S48C7 SC43 S2\" id=\"t2s_207\">(11,806) </span><span class=\"S48C8 SC43 S2\" id=\"t2t_207\">(6,186) </span><span class=\"S48C9 SC43 S2\" id=\"t2u_207\">(7,436) </span><span class=\"S48CA S483 S2\" id=\"t2v_207\">Personnel expenses </span><span class=\"S48CB S483 S2\" id=\"t2w_207\">(85,606) </span><span class=\"S48CC S483 S2\" id=\"t2x_207\">(22,569) </span><span class=\"S48CD S483 S2\" id=\"t2y_207\">(16,580) </span><span class=\"S48CE S483 S2\" id=\"t2z_207\">(33,773) </span><span class=\"S48CF S483 S2\" id=\"t30_207\">(5,805) </span><span class=\"S48D0 S483 S2\" id=\"t31_207\">(2,794) </span><span class=\"S48D1 S483 S2\" id=\"t32_207\">(4,085) </span><span class=\"S48D2 S483 S2\" id=\"t33_207\">Depreciation and amortization </span><span class=\"S48D3 S483 S2\" id=\"t34_207\">(13,966) </span><span class=\"S48D4 S483 S2\" id=\"t35_207\">(2,820) </span><span class=\"S48D5 S483 S2\" id=\"t36_207\">(2,131) </span><span class=\"S48D6 S483 S2\" id=\"t37_207\">(6,263) </span><span class=\"S48D7 S483 S2\" id=\"t38_207\">(1,461) </span><span class=\"S48D8 S483 S2\" id=\"t39_207\">(559) </span><span class=\"S48D9 S483 S2\" id=\"t3a_207\">(732) </span><span class=\"S48DA S483 S2\" id=\"t3b_207\">Other general expenses </span><span class=\"S48DB S483 S2\" id=\"t3c_207\">(53,191) </span><span class=\"S48DC S483 S2\" id=\"t3d_207\">(17,350) </span><span class=\"S48DD S483 S2\" id=\"t3e_207\">(10,095) </span><span class=\"S48DE S483 S2\" id=\"t3f_207\">(15,754) </span><span class=\"S48DF S483 S2\" id=\"t3g_207\">(4,540) </span><span class=\"S48E0 S483 S2\" id=\"t3h_207\">(2,833) </span><span class=\"S48E1 S483 S2\" id=\"t3i_207\">(2,619) </span><span class=\"S48E2 SC43 S2\" id=\"t3j_207\">Gains from derecognition of </span><span class=\"S48E3 SC43 S2\" id=\"t3k_207\">financial assets at amortized cost </span><span class=\"S48E4 SC43 S2\" id=\"t3l_207\">1,862 </span><span class=\"S48E5 SC43 S2\" id=\"t3m_207\">554 </span><span class=\"S48E6 SC43 S2\" id=\"t3n_207\">916 </span><span class=\"S48E7 SC43 S2\" id=\"t3o_207\">467 </span><span class=\"S48E8 SC43 S2\" id=\"t3p_207\">(31) </span><span class=\"S48E9 SC43 S2\" id=\"t3q_207\">(33) </span><span class=\"S48EA SC43 S2\" id=\"t3r_207\">(11) </span><span class=\"S48EB SC43 S2\" id=\"t3s_207\">Modification loss </span><span class=\"S48EC SC43 S2\" id=\"t3t_207\">(130) </span><span class=\"S48ED SC43 S2\" id=\"t3u_207\">- </span><span class=\"S48EE SC43 S2\" id=\"t3v_207\">(130) </span><span class=\"S48EF SC43 S2\" id=\"t3w_207\">- </span><span class=\"S48F0 SC43 S2\" id=\"t3x_207\">- </span><span class=\"S48F1 SC43 S2\" id=\"t3y_207\">- </span><span class=\"S48F2 SC43 S2\" id=\"t3z_207\">- </span><span class=\"S48F3 SC43 S2\" id=\"t40_207\">Total risk costs </span><span class=\"S48F4 SC43 S2\" id=\"t41_207\">(36,484) </span><span class=\"S48F5 SC43 S2\" id=\"t42_207\">(5,594) </span><span class=\"S48F6 SC43 S2\" id=\"t43_207\">(8,280) </span><span class=\"S48F7 SC43 S2\" id=\"t44_207\">(15,521) </span><span class=\"S48F8 SC43 S2\" id=\"t45_207\">(5,253) </span><span class=\"S48F9 SC43 S2\" id=\"t46_207\">(672) </span><span class=\"S48FA SC43 S2\" id=\"t47_207\">(1,164) </span><span class=\"S48FB S483 S2\" id=\"t48_207\">Adjusted loss allowance on </span><span class=\"S48FC S483 S2\" id=\"t49_207\">financial assets and liabilities </span><span class=\"S48FD S483 S2\" id=\"t4a_207\">(without the effect of revaluation of FX) </span><span class=\"S48FE S483 S2\" id=\"t4b_207\">(21,918) </span><span class=\"S48FF S483 S2\" id=\"t4c_207\">(941) </span><span class=\"S4900 S483 S2\" id=\"t4d_207\">(6,613) </span><span class=\"S4901 S483 S2\" id=\"t4e_207\">(13,542) </span><span class=\"S4902 S483 S2\" id=\"t4f_207\">677 </span><span class=\"S4903 S483 S2\" id=\"t4g_207\">(847) </span><span class=\"S4904 S483 S2\" id=\"t4h_207\">(652) </span><span class=\"S4905 S483 S2\" id=\"t4i_207\">Other impairment (adjustment) </span><span class=\"S4906 S483 S2\" id=\"t4j_207\">(14,566) </span><span class=\"S4907 S483 S2\" id=\"t4k_207\">(4,653) </span><span class=\"S4908 S483 S2\" id=\"t4l_207\">(1,667) </span><span class=\"S4909 S483 S2\" id=\"t4m_207\">(1,979) </span><span class=\"S490A S483 S2\" id=\"t4n_207\">(5,930) </span><span class=\"S490B S483 S2\" id=\"t4o_207\">175 </span><span class=\"S490C S483 S2\" id=\"t4p_207\">(512) </span><span class=\"S490D S483 S2\" id=\"t4q_207\">from this: adjusted impairment under IAS 36 </span><span class=\"S490E S483 S2\" id=\"t4r_207\">(274) </span><span class=\"S490F S483 S2\" id=\"t4s_207\">(245) </span><span class=\"S4910 S483 S2\" id=\"t4t_207\">(3) </span><span class=\"S4911 S483 S2\" id=\"t4u_207\">24 </span><span class=\"S4912 S483 S2\" id=\"t4v_207\">(51) </span><span class=\"S4913 S483 S2\" id=\"t4w_207\">1 </span><span class=\"S4914 S483 S2\" id=\"t4x_207\">- </span><span class=\"S4915 SC43 S2\" id=\"t4y_207\">Income tax </span><span class=\"S4916 SC43 S2\" id=\"t4z_207\">(24,147) </span><span class=\"S4917 SC43 S2\" id=\"t50_207\">(3,610) </span><span class=\"S4918 SC43 S2\" id=\"t51_207\">(8,242) </span><span class=\"S4919 SC43 S2\" id=\"t52_207\">(9,690) </span><span class=\"S491A SC43 S2\" id=\"t53_207\">(817) </span><span class=\"S491B SC43 S2\" id=\"t54_207\">(986) </span><span class=\"S491C SC43 S2\" id=\"t55_207\">(802) </span><span class=\"S491D SC43 S2\" id=\"t56_207\">Total Assets </span><span class=\"S491E SC43 S2\" id=\"t57_207\">5,183,118 </span><span class=\"S491F SC43 S2\" id=\"t58_207\">2,224,715 </span><span class=\"S4920 SC43 S2\" id=\"t59_207\">983,557 </span><span class=\"S4921 SC43 S2\" id=\"t5a_207\">799,965 </span><span class=\"S4922 SC43 S2\" id=\"t5b_207\">513,522 </span><span class=\"S4923 SC43 S2\" id=\"t5c_207\">350,848 </span><span class=\"S4924 SC43 S2\" id=\"t5d_207\">310,511 </span><span class=\"S4925 SC43 S2\" id=\"t5e_207\">Total Liabilities </span><span class=\"S4926 SC43 S2\" id=\"t5f_207\">4,316,145 </span><span class=\"S4927 SC43 S2\" id=\"t5g_207\">1,918,085 </span><span class=\"S4928 SC43 S2\" id=\"t5h_207\">823,801 </span><span class=\"S4929 SC43 S2\" id=\"t5i_207\">559,241 </span><span class=\"S492A SC43 S2\" id=\"t5j_207\">431,495 </span><span class=\"S492B SC43 S2\" id=\"t5k_207\">315,713 </span><span class=\"S492C SC43 S2\" id=\"t5l_207\">267,810 </span><span class=\"S492D S483 S2\" id=\"t5m_207\">( ) used at: provisions, impairment and expenses </span><span class=\"SFA4 SB S2\" id=\"t3_208\">NOTE 50: </span><span class=\"S1BAC SB S2\" id=\"t4_208\">ASSET CLASSIFIED AS HELD-FOR-SALE AND DISCONTINUED OPERATIONS (in </span><span class=\"SEDE SB S2\" id=\"t5_208\">HUF mn) </span><span class=\"S492E SB S2\" id=\"t6_208\">Discontinued operation </span><span class=\"S719 SA7 S2\" id=\"t7_208\">The Serbian Pevec d.o.o. Beograd company as the investment of OTP Factoring Ltd. was classified as asset held- </span><span class=\"S492F SA7 S2\" id=\"t8_208\">for-sale by the Group as at 31 December, 2021. This investment was not revalued in the Consolidated Financial </span><span class=\"S4930 SA7 S2\" id=\"t9_208\">Statements. Classification as asset held-for-sale was needed due to the purchase agreement had been concluded </span><span class=\"S4931 SA7 S2\" id=\"ta_208\">already in 2021 for the real estates in the ownership of Pevec. In the first half year of 2022, the purchase price was </span><span class=\"S4932 SA7 S2\" id=\"tb_208\">paid out and the transfer of ownership happened. The purchase price of the sold real estate was EUR 9,918,995. </span><span class=\"S4933 S5B9 S2\" id=\"tc_208\">the estimated value of those real estates which weren\u2019t sold was defined in the amount of EUR 300,000 by a value </span><span class=\"S4934 SA7 S2\" id=\"td_208\">assessment in January 2021. These assets which were classified as held-for-sale in the amount of HUF 2,046 </span><span class=\"S4935 SA7 S2\" id=\"te_208\">million at the end of 31 December 2021 were eliminated during the first half year of 2022 from these Consolidated </span><span class=\"S2ABE SA7 S2\" id=\"tf_208\">Financial Statements. </span><span class=\"S4322 SB S2\" id=\"tg_208\">Asset classified as held-for-sale </span><span class=\"S4936 S5B9 S2\" id=\"th_208\">On 2 November 2022, the Group sold its share in the associated company Sz\u00e1ll\u00e1s.hu Zrt. to the Polish Wirtualna </span><span class=\"S4937 SA7 S2\" id=\"ti_208\">Polska Media S.A. The whole company was sold for EUR 83 million. The Group's gain recognized in the year </span><span class=\"S4938 SA7 S2\" id=\"tj_208\">under review related to the transaction was HUF 10,458 million, which is presented in the Other income. </span><span class=\"SFA4 SB S2\" id=\"t3_209\">NOTE 51: </span><span class=\"S6B1 SB S2\" id=\"t4_209\">SIGNIFICANT EVENTS DURING THE YEAR ENDED 31 DECEMBER 2022 </span><span class=\"S4939 SB S2\" id=\"t5_209\">1) </span><span class=\"S493A SB S2\" id=\"t6_209\">Term Note Program </span><span class=\"S1E4A SA7 S2\" id=\"t7_209\">See details in Note 21. </span><span class=\"S493B SB S2\" id=\"t8_209\">2) </span><span class=\"S493C SB S2\" id=\"t9_209\">Purchase of the majority stake in the Uzbek Ipoteka Bank </span><span class=\"S493D SA7 S2\" id=\"ta_209\">On 12 December 2022 OTP Bank signed a purchase and sale contract for the purchase of the majority stake of </span><span class=\"S493E SA7 S2\" id=\"tb_209\">Ipoteka Bank and its subsidiaries with the Ministry of Finance of the Republic of Uzbekistan. OTP Bank will </span><span class=\"S493F SA7 S2\" id=\"tc_209\">purchase 100% of the shares held by the Ministry of Finance of the Republic of Uzbekistan (nearly 97% total </span><span class=\"S4940 SA7 S2\" id=\"td_209\">shareholding) in two steps: 75% of the shares now and the remaining 25% three years after the financial closing </span><span class=\"S4941 SA7 S2\" id=\"te_209\">of the first transaction. Ipoteka Bank is the fifth largest bank in Uzbekistan, with a market share of 8.5% based on </span><span class=\"S5C4 SA7 S2\" id=\"tf_209\">total assets on 1 October 2022, with more than 1.6 million retail customers and a significant corporate clientele. </span><span class=\"S4942 SA7 S2\" id=\"tg_209\">The financial closure of the first transaction is expected in the second quarter of 2023 subject to obtaining all the </span><span class=\"S9FC SA7 S2\" id=\"th_209\">necessary regulatory approvals. </span><span class=\"S4943 SB S2\" id=\"ti_209\">3) </span><span class=\"S4944 SB S2\" id=\"tj_209\">Joint venture company in China </span><span class=\"S4945 SA7 S2\" id=\"tk_209\">On 2 June 2022 OTP Bank Plc executed transaction agreements with its partners to establish a consumer finance </span><span class=\"S4946 SA7 S2\" id=\"tl_209\">joint venture company as a greenfield investment in China, with a 15% shareholding. </span><span class=\"S4947 SB S2\" id=\"tm_209\">4) </span><span class=\"S4948 SB S2\" id=\"tn_209\">Special taxes on financial institutions </span><span class=\"S4949 SA7 S2\" id=\"to_209\">Pursuant to Government Decree No. 197/2022 published on 4 June 2022, the Hungarian Government decided to </span><span class=\"S6F7 SA7 S2\" id=\"tp_209\">impose a windfall tax on credit institutions and financial enterprises temporarily, that is for 2022 and 2023. </span><span class=\"S494A SA7 S2\" id=\"tq_209\">As for 2022, the base of the windfall tax is the net revenues based on the 2021 financial statements, calculated </span><span class=\"S32B4 SA7 S2\" id=\"tr_209\">according to local tax law, whereas the tax rate is 10%. </span><span class=\"S494B SA7 S2\" id=\"ts_209\">The after-tax effect of the special tax on financial institutions payable in Hungary since 2010 reached HUF 20.2 </span><span class=\"S494C SA7 S2\" id=\"tt_209\">billion for full-year 2022, the whole amount was booked in the first quarter. Furthermore, for 2022 the after-tax </span><span class=\"S494D SA7 S2\" id=\"tu_209\">burden of the windfall tax was HUF 67.9 billion, accounted for in a lump sum in the second quarter. Thirdly, the </span><span class=\"S5D6 SA7 S2\" id=\"tv_209\">newly introduced special tax on certain companies in Croatia was booked in the fourth quarter of 2022 with an </span><span class=\"S494E SA7 S2\" id=\"tw_209\">after-tax effect of HUF (3.2) billion. </span><span class=\"S494F SB S2\" id=\"tx_209\">5) </span><span class=\"S4950 SB S2\" id=\"ty_209\">Maturity of OTP MOL Swap </span><span class=\"S4951 S5B9 S2\" id=\"tz_209\">The amended final maturity of the share swap agreement concluded with MOL Plc (\u201cMOL\u201d) on 16 April 2009 \u2013 </span><span class=\"S4952 SA7 S2\" id=\"t10_209\">whereby OTP has exchanged 24.000.000 OTP ordinary shares for 5.010.501 (from 28 September 2017 for </span><span class=\"S4953 S5B9 S2\" id=\"t11_209\">40.084.008) \u201eA\u201d series MOL ordinary shares \u2013 </span><span class=\"S4954 SA7 S2\" id=\"t12_209\">is 11 July 2027, until which each party can initiate cash or physical </span><span class=\"S762 SA7 S2\" id=\"t13_209\">settlement of the transaction. </span><span class=\"SB9E SB S2\" id=\"t14_209\">6) </span><span class=\"S4955 SB S2\" id=\"t15_209\">Prolongation of deadline of loan moratorium and interest rate cap </span><span class=\"S4956 SA7 S2\" id=\"t16_209\">See details in Note 4. </span><span class=\"S4363 SB S2\" id=\"t17_209\">7) </span><span class=\"S4957 SB S2\" id=\"t18_209\">Interest benchmark reform </span><span class=\"S4958 SA7 S2\" id=\"t19_209\">The Group was actively involved in industry efforts supporting transition to IBOR alternatives. The Group has </span><span class=\"S4959 SA7 S2\" id=\"t1a_209\">taken extensive steps to prepare for the discontinuation of IBORs and worked closely with clients to ensure </span><span class=\"S495A SA7 S2\" id=\"t1b_209\">awareness and support transition activities. As the transition is complex, time-consuming process and relevant for </span><span class=\"S495B SA7 S2\" id=\"t1c_209\">the whole Group, the management of Group has evaluated the impacts of the interest rate benchmarks reform, </span><span class=\"S495C SA7 S2\" id=\"t1d_209\">preparing itself for the transition through a dedicated internal group-</span><span class=\"S495D S5B9 S2\" id=\"t1e_209\">wide project. As LIBOR\u2019s five currencies </span><span class=\"S495E SA7 S2\" id=\"t1f_209\">(USD, GBP, EUR, JPY and CHF) and EONIA will be replaced by Risk Free Rates </span><span class=\"S495F S5B9 S2\" id=\"t1g_209\">\u2013 </span><span class=\"S4960 SA7 S2\" id=\"t1h_209\">which are different in nature </span><span class=\"S712 SA7 S2\" id=\"t1i_209\">compared to IBOR rates </span><span class=\"S4961 S5B9 S2\" id=\"t1j_209\">\u2013 </span><span class=\"S4962 SA7 S2\" id=\"t1k_209\">OTP Group has implemented the relevant rates into the IT systems and reached out the </span><span class=\"S4963 S5B9 S2\" id=\"t1l_209\">clients. The Group\u2019s priority was to ensure that the Group can continue to offer clients the products and services </span><span class=\"S4964 SA7 S2\" id=\"t1m_209\">they need, while also supporting them in the transition to the new alternative Risk-Free Rates. </span><span class=\"SFA4 SB S2\" id=\"t3_210\">NOTE 51: </span><span class=\"S6E4 SB S2\" id=\"t4_210\">SIGNIFICANT EVENTS DURING THE YEAR ENDED 31 DECEMBER 2022 [continued] </span><span class=\"S4939 SB S2\" id=\"t5_210\">7) </span><span class=\"S4965 SB S2\" id=\"t6_210\">Interest benchmark reform [continued] </span><span class=\"S4966 SA7 S2\" id=\"t7_210\">During the IBOR reform the Group identified several risks at the beginning of 2021, which the project had to </span><span class=\"S3A45 SA7 S2\" id=\"t8_210\">manage and monitor closely. These risks include but are not limited to the following: </span><span class=\"S68B S602 S2\" id=\"t9_210\">\u2022 </span><span class=\"S4967 SA7 S2\" id=\"ta_210\">The abolution of LIBOR affected several transactions that may require automated IT solutions, </span><span class=\"S4968 S602 S2\" id=\"tb_210\">\u2022 </span><span class=\"S4969 SA7 S2\" id=\"tc_210\">The new reference rates are different in nature from LIBOR that cause difficulties to settle the value </span><span class=\"S496A SA7 S2\" id=\"td_210\">differences with the customers, </span><span class=\"S496B S602 S2\" id=\"te_210\">\u2022 </span><span class=\"S496C SA7 S2\" id=\"tf_210\">It was necessary to implement new processes not to develop LIBOR based products, and to develop a strategy </span><span class=\"S496D SA7 S2\" id=\"tg_210\">for removing or modifying the affected products handled by the Group, </span><span class=\"S496E S602 S2\" id=\"th_210\">\u2022 </span><span class=\"S496F SA7 S2\" id=\"ti_210\">After the termination of LIBOR, the Group has to act under the \"Fallback clauses\", the clauses that regulate </span><span class=\"S4970 SA7 S2\" id=\"tj_210\">the replacement of the reference interest rates in the contract and the use of an alternative interest as a </span><span class=\"S4971 SA7 S2\" id=\"tk_210\">reference. The content of these clauses needs to be clearly defined and checked from a business point of view, </span><span class=\"S4972 SA7 S2\" id=\"tl_210\">ie which reference interest rate will be applied instead of LIBOR for the given contract and whether it is </span><span class=\"S4973 SA7 S2\" id=\"tm_210\">commercially appropriate. In defining the fallback clauses, efforts had to be made to provide a viable </span><span class=\"S4974 SA7 S2\" id=\"tn_210\">alternative to the termination of LIBOR that would not result in a business loss for the Group. </span><span class=\"S4975 S602 S2\" id=\"to_210\">\u2022 </span><span class=\"S4976 SA7 S2\" id=\"tp_210\">Legal risks related to the termination of LIBOR. Such risks can arise when Fallback clauses are not included </span><span class=\"S4977 S5B9 S2\" id=\"tq_210\">in the contracts, or the law governing the contract doesn\u2019t contain a statutory reference rate. In these cases, </span><span class=\"S4978 SA7 S2\" id=\"tr_210\">the contracts can be cancelled due to impossibility or the termination by either party. </span><span class=\"S4979 S602 S2\" id=\"ts_210\">\u2022 </span><span class=\"S497A SA7 S2\" id=\"tt_210\">Missing of contractual interest rates can result in settlement disputes, compensation cases or litigation. </span><span class=\"S497B S602 S2\" id=\"tu_210\">\u2022 </span><span class=\"S497C SA7 S2\" id=\"tv_210\">Business risks of the termination of LIBOR. The most significant of these are: </span><span class=\"S497D S49BD S2\" id=\"tw_210\">\u25aa </span><span class=\"S497E SA7 S2\" id=\"tx_210\">the law governing the contract can set the applicable interest rate that can be result in a business loss for </span><span class=\"S497F SA7 S2\" id=\"ty_210\">the Group, </span><span class=\"S4980 S49BD S2\" id=\"tz_210\">\u25aa </span><span class=\"S4981 SA7 S2\" id=\"t10_210\">business loss due to negative customer experience, </span><span class=\"S4982 S49BD S2\" id=\"t11_210\">\u25aa </span><span class=\"S4983 SA7 S2\" id=\"t12_210\">operational risk, when several unique contracts must be handled in a short time. </span><span class=\"S4984 SB S2\" id=\"t13_210\">Terminating interest rates </span><span class=\"S4985 SB S2\" id=\"t14_210\">Alternative Reference Rates </span><span class=\"S4986 SA7 S2\" id=\"t15_210\">LIBOR USD </span><span class=\"S4987 SE8B S2\" id=\"t16_210\">1 </span><span class=\"S4988 SA7 S2\" id=\"t17_210\">(1 week and 2 months settings), FedFund Rate </span><span class=\"S4989 SA7 S2\" id=\"t18_210\">SOFR </span><span class=\"S498A SA7 S2\" id=\"t19_210\">LIBOR GBP </span><span class=\"S498B SA7 S2\" id=\"t1a_210\">SONIA </span><span class=\"S498C SA7 S2\" id=\"t1b_210\">LIBOR JPY </span><span class=\"S498D SA7 S2\" id=\"t1c_210\">TONA </span><span class=\"S498E SA7 S2\" id=\"t1d_210\">LIBOR EUR </span><span class=\"S498F SA7 S2\" id=\"t1e_210\">EURIBOR </span><span class=\"S4990 SA7 S2\" id=\"t1f_210\">LIBOR CHF </span><span class=\"S4991 SE8B S2\" id=\"t1g_210\">2 </span><span class=\"S4992 SA7 S2\" id=\"t1h_210\">SARON </span><span class=\"S4993 SA7 S2\" id=\"t1i_210\">EONIA </span><span class=\"S4994 S5B9 S2\" id=\"t1j_210\">\u20acSTR </span><span class=\"S4995 S482 S2\" id=\"t1k_210\">1 </span><span class=\"S4996 S483 S2\" id=\"t1l_210\">The following USD LIBOR settings will be terminated after June 30, 2023: overnight and 1, 3, 6 and 12 Months. The affected USD LIBOR </span><span class=\"S4997 S1A84 S2\" id=\"t1m_210\">contracts will be handled on an ongoing basis until the remaining USD LIBOR settings\u2019 cessation date. </span><span class=\"S4998 S482 S2\" id=\"t1n_210\">2 </span><span class=\"S4999 S483 S2\" id=\"t1o_210\">In the case of CHF LIBOR, OTP Bank acts in accordance with the implementing regulation of the European Commission (https://eur- </span><span class=\"S499A S483 S2\" id=\"t1p_210\">lex.europa.eu/legal-content/EN/TXT/PDF/?uri=PI_COM:C(2021)7488&amp;from=EN). </span><span class=\"S499B SB S2\" id=\"t1q_210\">Amounts effected by IBOR reform as at 31 December 2022 </span><span class=\"S499C SB S2\" id=\"t1r_210\">Reference rate </span><span class=\"S499D SB S2\" id=\"t1s_210\">Type of the contract </span><span class=\"S499E SB S2\" id=\"t1t_210\">Nominal value of the </span><span class=\"S499F SB S2\" id=\"t1u_210\">contract </span><span class=\"S49A0 SB S2\" id=\"t1v_210\">Pieces of contracts </span><span class=\"S49A1 SA7 S2\" id=\"t1w_210\">USD LIBOR </span><span class=\"S49A2 SA7 S2\" id=\"t1x_210\">Loan </span><span class=\"S49A3 SA7 S2\" id=\"t1y_210\">139,883 </span><span class=\"S49A4 SA7 S2\" id=\"t1z_210\">2,299 </span><span class=\"S49A5 SA7 S2\" id=\"t20_210\">USD LIBOR </span><span class=\"S49A6 SA7 S2\" id=\"t21_210\">Deposit </span><span class=\"S49A7 SA7 S2\" id=\"t22_210\">27,697 </span><span class=\"S49A8 SA7 S2\" id=\"t23_210\">43 </span><span class=\"S49A9 SA7 S2\" id=\"t24_210\">USD LIBOR </span><span class=\"S49AA SA7 S2\" id=\"t25_210\">Derivatives </span><span class=\"S49AB SA7 S2\" id=\"t26_210\">451,042 </span><span class=\"S49AC SA7 S2\" id=\"t27_210\">113 </span><span class=\"S49AD SA7 S2\" id=\"t28_210\">Other LIBOR </span><span class=\"S49AE SA7 S2\" id=\"t29_210\">Loan </span><span class=\"S49AF SA7 S2\" id=\"t2a_210\">16,065 </span><span class=\"S49B0 SA7 S2\" id=\"t2b_210\">1,293 </span><span class=\"S49B1 SA7 S2\" id=\"t2c_210\">Other LIBOR </span><span class=\"S49B2 SA7 S2\" id=\"t2d_210\">Derivatives </span><span class=\"S49B3 SA7 S2\" id=\"t2e_210\">25,593 </span><span class=\"S49B4 SA7 S2\" id=\"t2f_210\">4 </span><span class=\"SCE4 SA7 S2\" id=\"t2g_210\">Other LIBOR </span><span class=\"S49B5 SA7 S2\" id=\"t2h_210\">Bonds (assets) </span><span class=\"S49B6 SA7 S2\" id=\"t2i_210\">5,319 </span><span class=\"S49B7 SA7 S2\" id=\"t2j_210\">1 </span><span class=\"S49B8 SB S2\" id=\"t2k_210\">Total </span><span class=\"S49B9 SB S2\" id=\"t2l_210\">665,599 </span><span class=\"S49BA SB S2\" id=\"t2m_210\">3,753 </span><span class=\"S49BB SA7 S2\" id=\"t2n_210\">The above LIBOR-based amounts outstanding as at 31 December 2022 will be managed at the next first interest </span><span class=\"S49BC SA7 S2\" id=\"t2o_210\">period therefore they do not cause a risk to the Group or to the customers. </span><span class=\"SFA4 SB S2\" id=\"t3_211\">NOTE 51: </span><span class=\"S6E4 SB S2\" id=\"t4_211\">SIGNIFICANT EVENTS DURING THE YEAR ENDED 31 DECEMBER 2022 [continued] </span><span class=\"S4939 SB S2\" id=\"t5_211\">8) </span><span class=\"S9F2 SB S2\" id=\"t6_211\">Risk relating to the Russian-Ukrainian armed conflict </span><span class=\"S49BE SA7 S2\" id=\"t7_211\">On 24 February 2022 Russia launched a military operation against Ukraine which is still ongoing at the date of </span><span class=\"S49BF SA7 S2\" id=\"t8_211\">this Report. Until now many countries, as well as the European Union imposed sanctions due to the armed conflict </span><span class=\"S719 SA7 S2\" id=\"t9_211\">on Russia and Russian businesses and citizens. Russia responded to these sanctions with similar measures. </span><span class=\"S871 SA7 S2\" id=\"ta_211\">The armed conflict and the international sanctions influence the business and economic activities significantly all </span><span class=\"S747 SA7 S2\" id=\"tb_211\">around the world. There are a number of factors associated with the Russian-Ukrainian armed conflict and the </span><span class=\"S49C0 SA7 S2\" id=\"tc_211\">international sanctions as well as their impact on global economies that could have a material adverse effect on </span><span class=\"S971 SA7 S2\" id=\"td_211\">(among other things) the profitability, capital and liquidity of financial institutions such as the OTP Group. </span><span class=\"S49C1 SA7 S2\" id=\"te_211\">The armed conflict and the international sanctions cause significant economic damage to the affected parties and </span><span class=\"S49C2 SA7 S2\" id=\"tf_211\">in addition they cause disruptions in the global economic processes, of which the precise consequences (inter alia </span><span class=\"S49C3 SA7 S2\" id=\"tg_211\">the effects on energy and grain markets, the global transport routes and international trade as well as tourism) are </span><span class=\"S49C4 SA7 S2\" id=\"th_211\">difficult to be estimated at the moment. </span><span class=\"S49C5 SA7 S2\" id=\"ti_211\">It remains unclear how this will evolve through 2022 and the OTP Group continues to monitor the situation closely. </span><span class=\"S49C6 SA7 S2\" id=\"tj_211\">However, the OTP Group's ability to conduct business may be adversely affected by disruptions to its </span><span class=\"S49C7 SA7 S2\" id=\"tk_211\">infrastructure, business processes and technology services. This may cause significant customer detriment, costs </span><span class=\"S2AC0 S5B9 S2\" id=\"tl_211\">to reimburse losses incurred by the OTP Group\u2019s customers, and reputational damage. </span><span class=\"S49C8 SA7 S2\" id=\"tm_211\">Furthermore, the OTP Group relies on models to support a broad range of business and risk management activities, </span><span class=\"S49C9 SA7 S2\" id=\"tn_211\">including informing business decisions and strategies, measuring and limiting risk, valuing exposures, conducting </span><span class=\"SA60 SA7 S2\" id=\"to_211\">stress testing and assessing capital adequacy. Models are, by their nature, imperfect and incomplete representations </span><span class=\"S49CA SA7 S2\" id=\"tp_211\">of reality because they rely on assumptions and inputs, and as such assumptions may later potentially prove to be </span><span class=\"S49CB SA7 S2\" id=\"tq_211\">incorrect, this can affect the accuracy of their outputs. This may be exacerbated when dealing with unprecedented </span><span class=\"S49CC SA7 S2\" id=\"tr_211\">scenarios, such as the Russian-Ukrainian armed conflict and the international sanctions, due to the lack of reliable </span><span class=\"S49CD SA7 S2\" id=\"ts_211\">historical reference points and data. </span><span class=\"S49CE S5B9 S2\" id=\"tt_211\">Any and all such events mentioned above could have a material adverse effect on the OTP Group\u2019s business, </span><span class=\"S49CF SA7 S2\" id=\"tu_211\">financial condition, results of operations, prospects, liquidity, capital position and credit ratings, as well as on the </span><span class=\"SC9E S5B9 S2\" id=\"tv_211\">OTP Group\u2019s customers, employees and suppliers. </span><span class=\"SFA4 SB S2\" id=\"t3_212\">NOTE 52: </span><span class=\"S6B1 SB S2\" id=\"t4_212\">POST BALANCE SHEET EVENTS </span><span class=\"S49D0 SB S2\" id=\"t5_212\">Summary of economic policy measures made and other relevant regulatory changes as post-balance sheet </span><span class=\"S1924 SB S2\" id=\"t6_212\">events </span><span class=\"S49D1 SA7 S2\" id=\"t7_212\">In the section below, the measures and developments which have been made since the balance sheet date, and </span><span class=\"S49D2 S5B9 S2\" id=\"t8_212\">\u2013 </span><span class=\"S49D3 SA7 S2\" id=\"t9_212\">in </span><span class=\"S49D4 S5B9 S2\" id=\"ta_212\">OTP Bank\u2019s view \u2013 </span><span class=\"S49D5 SA7 S2\" id=\"tb_212\">are relevant and have materially influenced / can materially influence the operation of the </span><span class=\"S49D6 SA7 S2\" id=\"tc_212\">Group members. </span><span class=\"S7DE SA7 S2\" id=\"td_212\">OTP Bank excludes any liability for the completeness and accuracy of the measures presented herein. </span><span class=\"S431D SB S2\" id=\"te_212\">Hungary </span><span class=\"S49D7 S602 S2\" id=\"tf_212\">\u2022 </span><span class=\"S49D8 SA7 S2\" id=\"tg_212\">On 4 January 2023 OTP Bank announced that the National Bank of Hungary imposed the below additional </span><span class=\"S49D9 SA7 S2\" id=\"th_212\">capital requirements for OTP Group, on consolidated level, effective from 1 January 2023 until the next </span><span class=\"S49DA SA7 S2\" id=\"ti_212\">review: </span><span class=\"S49DB S64A S2\" id=\"tj_212\">o </span><span class=\"S49DC SA7 S2\" id=\"tk_212\">1.13%-points in case of the Common Equity Tier1 (CET1) capital, accordingly the minimum </span><span class=\"S49DD SA7 S2\" id=\"tl_212\">requirement for the consolidated CET1 ratio is 5.63% (without regulatory capital buffers); </span><span class=\"S49DE S64A S2\" id=\"tm_212\">o </span><span class=\"S49DF SA7 S2\" id=\"tn_212\">1.50%-points in case of the Tier1 capital, accordingly the minimum requirement for the </span><span class=\"S49E0 SA7 S2\" id=\"to_212\">consolidated Tier1 ratio is 7.50% (without regulatory capital buffers); </span><span class=\"S49E1 S64A S2\" id=\"tp_212\">o </span><span class=\"S49E2 SA7 S2\" id=\"tq_212\">2.00%-points in case of the Total SREP Capital Requirement (TSCR), accordingly the minimum </span><span class=\"S49E3 SA7 S2\" id=\"tr_212\">requirement for the consolidated capital adequacy ratio is 10.00% (without regulatory capital </span><span class=\"S49E4 SA7 S2\" id=\"ts_212\">buffers). </span><span class=\"S49E5 S602 S2\" id=\"tt_212\">\u2022 </span><span class=\"S49E6 S5B9 S2\" id=\"tu_212\">On 23 January 2023 the Ministry of Economic Development announced that the G\u00e1bor Baross </span><span class=\"S49E7 SA7 S2\" id=\"tv_212\">Reindustrialization Loan Programme will be launched from February by Eximbank, with a total available </span><span class=\"S49E8 SA7 S2\" id=\"tw_212\">amount of HUF 700 billion. Under the scheme, the HUF and EUR denominated loans will be available for </span><span class=\"S49E9 SA7 S2\" id=\"tx_212\">all purposes, depending on the loan amount either through commercial banks or directly through Eximbank, </span><span class=\"S49EA SA7 S2\" id=\"ty_212\">but all the funding need will be provided or refinanced by Eximbank. The interest rate of the loans will be </span><span class=\"S49EB SA7 S2\" id=\"tz_212\">fixed throughout the whole tenor and will be typically maximum 6% in the case of HUF loans and maximum </span><span class=\"S49EC SA7 S2\" id=\"t10_212\">3.5% in the case of EUR loans. </span><span class=\"S1C26 S602 S2\" id=\"t11_212\">\u2022 </span><span class=\"S49ED SA7 S2\" id=\"t12_212\">On 24 January 2023 the National Bank of Hungary kept the reference rates unchanged. The NBH held a </span><span class=\"S49EE SA7 S2\" id=\"t13_212\">long-term deposit tender on 25 January, and from 1 February discount bill auctions are held on a weekly </span><span class=\"S49EF SA7 S2\" id=\"t14_212\">basis. The NBH said that it will continue to meet foreign currency liquidity needs in the coming months to </span><span class=\"S49F0 SA7 S2\" id=\"t15_212\">reach market balance related to the energy account. Furthermore, the Deputy Governor announced that </span><span class=\"S49F1 SA7 S2\" id=\"t16_212\">effective from April the mandatory reserve requirement for banks will be increased from 5% to 10%. </span><span class=\"S49F2 S602 S2\" id=\"t17_212\">\u2022 </span><span class=\"S49F3 SA7 S2\" id=\"t18_212\">On 27 January 2023 S&amp;P Global Ratings lowered the long- and short-term foreign and local currency </span><span class=\"S49F4 SA7 S2\" id=\"t19_212\">sovereign credit ratings on Hungary to 'BBB-/A-3' from 'BBB/A-2'. The outlook on the long-term ratings </span><span class=\"S49F5 SA7 S2\" id=\"t1a_212\">is stable. </span><span class=\"S49F6 S602 S2\" id=\"t1b_212\">\u2022 </span><span class=\"S49F7 SA7 S2\" id=\"t1c_212\">According to the press release published on 30 January 2023 by S&amp;P Global Ratings, the rating agency </span><span class=\"S49F8 SA7 S2\" id=\"t1d_212\">downgraded its long- and short-term issuer credit ratings, as well as the long- and short-term resolution </span><span class=\"S49F9 SA7 S2\" id=\"t1e_212\">counterparty ratings on OTP Bank Plc and OTP Mortgage Bank Ltd. to 'BBB-/A-3' from 'BBB/A-2', and </span><span class=\"S49FA SA7 S2\" id=\"t1f_212\">the senior preferred debt rating of OTP Bank Plc was also downgraded by one notch to 'BBB-'. The outlook </span><span class=\"S49FB SA7 S2\" id=\"t1g_212\">on the long-term issuer ratings is stable. </span><span class=\"S49FC S602 S2\" id=\"t1h_212\">\u2022 </span><span class=\"S49FD SA7 S2\" id=\"t1i_212\">The financial completion of the transaction to purchase 100% shareholding of Nova KBM d.d. and its </span><span class=\"S49FE SA7 S2\" id=\"t1j_212\">subsidiary in Slovenia </span><span class=\"S49FF S5B9 S2\" id=\"t1k_212\">\u2013 </span><span class=\"S4A00 SA7 S2\" id=\"t1l_212\">after obtaining all necessary regulatory approvals </span><span class=\"S4A01 S5B9 S2\" id=\"t1m_212\">\u2013 </span><span class=\"S4A02 SA7 S2\" id=\"t1n_212\">has been completed on 6 </span><span class=\"S4A03 SA7 S2\" id=\"t1o_212\">February 2023. </span><span class=\"S4A04 S602 S2\" id=\"t1p_212\">\u2022 </span><span class=\"S4A05 S5B9 S2\" id=\"t1q_212\">According to the press release published on 6 February 2023 by Moody\u2019s Investors Service, the rating </span><span class=\"S4A06 S5B9 S2\" id=\"t1r_212\">agency concluded the ratings review initiated in July 2021. The rating agency downgraded OTP Bank\u2019s </span><span class=\"S4A07 SA7 S2\" id=\"t1s_212\">subordinated bond rating by one notch to 'Ba2' from 'Ba1'. All other ratings and assessments of OTP Bank </span><span class=\"S4A08 SA7 S2\" id=\"t1t_212\">have been affirmed. Outlook is stable. </span><span class=\"S4A09 S602 S2\" id=\"t1u_212\">\u2022 </span><span class=\"S4A0A S5B9 S2\" id=\"t1v_212\">At the same time, Moody\u2019s Investors Service downgraded the backed long </span><span class=\"S4A0B SA7 S2\" id=\"t1w_212\">-term domestic currency issuer </span><span class=\"S4A0C SA7 S2\" id=\"t1x_212\">rating of OTP Mortgage Bank to 'Baa3' from 'Baa2'. All other ratings and assessments of OTP Mortgage </span><span class=\"S4A0D SA7 S2\" id=\"t1y_212\">Bank have been affirmed. Outlook is stable. </span><span class=\"S1685 S602 S2\" id=\"t1z_212\">\u2022 </span><span class=\"S4A0E SA7 S2\" id=\"t20_212\">On 15 February 2023 as value date OTP Bank issued Tier 2 Notes in the aggregate nominal amount of USD </span><span class=\"S4A0F SA7 S2\" id=\"t21_212\">650 million. The Tier 2 Notes with 10.25 years maturity, redeemable at par any time during the 3-month </span><span class=\"S4A10 SA7 S2\" id=\"t22_212\">period prior to the Reset Date at 5.25 years, were priced on 8 February 2023. </span><span class=\"SFA4 SB S2\" id=\"t3_213\">NOTE 52: </span><span class=\"S13E0 SB S2\" id=\"t4_213\">POST BALANCE SHEET EVENTS [continued] </span><span class=\"S4A11 SB S2\" id=\"t5_213\">Summary of economic policy measures made and other relevant regulatory changes as post-balance sheet </span><span class=\"SCBE SB S2\" id=\"t6_213\">events [continued] </span><span class=\"S7A6 SB S2\" id=\"t7_213\">Bulgaria </span><span class=\"S4A12 S602 S2\" id=\"t8_213\">\u2022 </span><span class=\"S4A13 SA7 S2\" id=\"t9_213\">On 17 February 2023 the Minister of Finance announced that the originally planned accession date to the </span><span class=\"S4A14 SA7 S2\" id=\"ta_213\">Eurozone of 1 January 2024 will be postponed. The new target date will be declared by the new Parliament </span><span class=\"S4A15 SA7 S2\" id=\"tb_213\">formed after the elections scheduled to 2 April. </span><span class=\"S4A16 SB S2\" id=\"tc_213\">Serbia </span><span class=\"S4A17 S602 S2\" id=\"td_213\">\u2022 </span><span class=\"S4A18 SA7 S2\" id=\"te_213\">On 12 January 2023 the central bank hiked the base rate by 25 bps to 5.25%. </span><span class=\"S4A19 S602 S2\" id=\"tf_213\">\u2022 </span><span class=\"S4A1A SA7 S2\" id=\"tg_213\">On 9 February 2023 the central bank hiked the base rate by 25 bps to 5.5%. </span><span class=\"S4A1B SB S2\" id=\"th_213\">Slovenia </span><span class=\"S4A1C S602 S2\" id=\"ti_213\">\u2022 </span><span class=\"S4A1D SA7 S2\" id=\"tj_213\">On 2 February 2023 the ECB hiked its key interest rate by 50 bps to 3.0%. </span><span class=\"S4A1E S602 S2\" id=\"tk_213\">\u2022 </span><span class=\"S4A1F S5B9 S2\" id=\"tl_213\">On 7 February 2023 Moody\u2019s upgraded the deposit rating of NKBM to \u2019A3\u2019, the outlook is stable. At the </span><span class=\"S4A20 S5B9 S2\" id=\"tm_213\">same time, the Bank\u2019s unsecured non </span><span class=\"S4A21 SA7 S2\" id=\"tn_213\">-preferred deb</span><span class=\"S4A22 S5B9 S2\" id=\"to_213\">t rating was upgraded to \u2019Baa3\u2019. </span><span class=\"S4A23 SB S2\" id=\"tp_213\">Romania </span><span class=\"S4A24 S602 S2\" id=\"tq_213\">\u2022 </span><span class=\"S4A25 SA7 S2\" id=\"tr_213\">On 20 January 2023 the central bank hiked the base rate by 25 bps to 7%. </span><span class=\"S1CF4 SB S2\" id=\"ts_213\">Russia </span><span class=\"S4A26 S602 S2\" id=\"tt_213\">\u2022 </span><span class=\"S4A27 SA7 S2\" id=\"tu_213\">Effective from 1 January 2023 the capital conservation buffer in Russia decreased temporarily to 0% from </span><span class=\"S4A28 SA7 S2\" id=\"tv_213\">2.5%, which does not affect the minimum requirement for OTP Group. </span><span class=\"S4A29 SB S2\" id=\"tw_213\">Ukraine </span><span class=\"SCA3 S602 S2\" id=\"tx_213\">\u2022 </span><span class=\"S4A2A SA7 S2\" id=\"ty_213\">Effective from 1 January 2023 the Ukrainian central bank raised the mandatory reserve requirement for </span><span class=\"S4A2B SA7 S2\" id=\"tz_213\">local and foreign currency denominated deposits by 5-5 pps each, to 5% and 15%, respectively. </span><span class=\"S4A2C S602 S2\" id=\"t10_213\">\u2022 </span><span class=\"S4A2D S5B9 S2\" id=\"t11_213\">On 10 February 2023 Moody\u2019s downgraded the Ukrainian sovereign credit rating from \u2019Caa\u2019 to \u2019Ca\u2019, the </span><span class=\"S4A2E SA7 S2\" id=\"t12_213\">outlook is stable. </span><span class=\"S4A2F SB S2\" id=\"t13_213\">Moldova </span><span class=\"S4A30 S602 S2\" id=\"t14_213\">\u2022 </span><span class=\"S4A31 SA7 S2\" id=\"t15_213\">On 7 February 2023 Moldova's central bank cut its key rate to 17% from 20%. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNotesAndOtherExplanatoryInformationExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2277": {
   "value": "OTP Bank Plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2278": {
   "value": "(",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfChangeInNameOfReportingEntityOrOtherMeansOfIdentificationFromEndOfPrecedingReportingPeriod",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2281": {
   "value": "limited liability company",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2283": {
   "value": "16, Nador Street, Budapest 1051, Hungary",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2286": {
   "value": "Hungary",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2287": {
   "value": "Hungary",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2288": {
   "value": "Hungary",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2294": {
   "value": "<span class=\"S591 SA7 S2\" id=\"th_12\">These Consolidated Financial Statements were approved by the Board of Directors and authorised for issue on 31 </span>March 2023.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2323": {
   "value": "provide a full range of commercial banking services",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2328": {
   "value": "<span class=\"S5AF SA7 S2\" id=\"t1b_12\">The number of the active employees without long-term breaks, and with part-time employees taken into account </span><span class=\"S5B0 SA7 S2\" id=\"t1c_12\">proportionately, and the average number of active employees on monthly basis at the Group: </span><span class=\"S5B1 SB S2\" id=\"t1d_12\">2022 </span><span class=\"S5B2 SB S2\" id=\"t1e_12\">2021 </span><span class=\"S5B3 SA7 S2\" id=\"t1f_12\">The number of employees at the Group </span><span class=\"S5B4 SA7 S2\" id=\"t1g_12\">35,976 </span><span class=\"S5B5 SA7 S2\" id=\"t1h_12\">37,866 </span><span class=\"S5B6 SA7 S2\" id=\"t1i_12\">The average number of employees at the Group </span><span class=\"S5B7 SA7 S2\" id=\"t1j_12\">36,168 </span><span class=\"S5B8 SA7 S2\" id=\"t1k_12\">37,890 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2350": {
   "value": "<span class=\"S5BC SB S2\" id=\"t6_13\">1.2. </span><span class=\"S5BD SB S2\" id=\"t7_13\">Basis of Accounting </span><span class=\"S5BE SA7 S2\" id=\"t8_13\">These Consolidated Financial Statements were prepared based on the assumptions of the Management that the </span><span class=\"S5BF SA7 S2\" id=\"t9_13\">Bank will remain in business for the foreseeable future and that the Bank will not be forced to halt operations and </span><span class=\"S5C0 SA7 S2\" id=\"ta_13\">liquidate its assets in the near term at what may be very low fire-sale prices. </span><span class=\"S5C1 SA7 S2\" id=\"tb_13\">The Entities of the Group maintain their accounting records and prepare their statutory accounts in accordance </span><span class=\"S5C2 SA7 S2\" id=\"tc_13\">with the commercial, banking and fiscal regulations prevailing in Hungary and in case of foreign subsidiaries in </span><span class=\"S5C3 SA7 S2\" id=\"td_13\">accordance with the commercial, banking and fiscal regulations of the country in which they are domiciled. </span><span class=\"S5C4 S5B9 S2\" id=\"te_13\">The Bank\u2019s functional currency is the Hungarian Forint (\u201cHUF\u201d). It is also presentation currency for the Group. </span><span class=\"S5C5 SA7 S2\" id=\"tf_13\">The financial statements of the subsidiaries used during the preparation of Consolidated Financial Statements of </span><span class=\"S5C6 SA7 S2\" id=\"tg_13\">the Group have the same reporting period </span><span class=\"S5C7 S5B9 S2\" id=\"th_13\">\u2013 </span><span class=\"S5C8 SA7 S2\" id=\"ti_13\">starting from 1 January ending as at 31 December </span><span class=\"S5C9 S5B9 S2\" id=\"tj_13\">\u2013 </span><span class=\"S5CA SA7 S2\" id=\"tk_13\">like the reporting </span><span class=\"S5CB SA7 S2\" id=\"tl_13\">period of the Group. </span><span class=\"S5CC SA7 S2\" id=\"tm_13\">Due to the fact that the Bank is listed on international and national stock exchanges, the Bank is obliged to present </span><span class=\"S5CD S5B9 S2\" id=\"tn_13\">its financial statements in accordance with International Financial Reporting Standards (\u201cIFRS\u201d) as adopted by </span><span class=\"S5CE S5B9 S2\" id=\"to_13\">the European Union (the \u201cEU\u201d). </span><span class=\"S5CF SA7 S2\" id=\"tp_13\">Certain adjustm</span><span class=\"S5D0 S5B9 S2\" id=\"tq_13\">ents have been made to the Entities\u2019 statutory accounts in order to present the Consolidated </span><span class=\"S5D1 SA7 S2\" id=\"tr_13\">Financial Statements of the Group in accordance with all standards and interpretations approved by the </span><span class=\"S5D2 S5B9 S2\" id=\"ts_13\">International Accounting Standards Board (\u201cIASB\u201d). </span><span class=\"S5D3 SA7 S2\" id=\"tt_13\">These Consolidated Financial Statements have been prepared in accordance with IFRS as adopted by the EU. </span><span class=\"S5D4 SA7 S2\" id=\"tu_13\">The accompanying Notes to these Consolidated Financial Statements form an integral part of these Consolidated </span><span class=\"S5D5 SA7 S2\" id=\"tv_13\">Financial Statements prepared in accordance with International Financial Reporting Standards as adopted by EU. </span><span class=\"S6B4 SB S2\" id=\"t7_17\">2.1. </span><span class=\"S6B5 SB S2\" id=\"t8_17\">Basis of Presentation </span><span class=\"S6B6 SA7 S2\" id=\"t9_17\">These Consolidated Financial Statements have been prepared under the historical cost convention with the </span><span class=\"S6B7 SA7 S2\" id=\"ta_17\">exception of certain financial instruments, which are recorded at fair value. Revenues and expenses are recorded </span><span class=\"S6B8 SA7 S2\" id=\"tb_17\">in the period in which they are earned or incurred. The Group does not offset assets and liabilities or income and </span><span class=\"S6B9 SA7 S2\" id=\"tc_17\">expenses unless it is required or permitted by an IFRS standard. </span><span class=\"S6BA SA7 S2\" id=\"td_17\">During the preparation of Consolidated Financial Statements assets and liabilities, income and expenses are </span><span class=\"S6BB SA7 S2\" id=\"te_17\">presented separately, except in certain cases, when one of the IFRS standards prescribes net presenting related to </span><span class=\"S6BC SA7 S2\" id=\"tf_17\">certain items (see note 2.8. below). </span><span class=\"S6BD SA7 S2\" id=\"tg_17\">The presentation of Consolidated Financial Statements in conformity with IFRS as adopted by the EU requires the </span><span class=\"S6BE SA7 S2\" id=\"th_17\">Management of the Group to make estimates and assumptions that affect the reported amounts of assets and </span><span class=\"S6BF SA7 S2\" id=\"ti_17\">liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and their </span><span class=\"S6C0 SA7 S2\" id=\"tj_17\">reported amounts of revenues and expenses during the reporting period. Actual results could differ from those </span><span class=\"S6C1 SA7 S2\" id=\"tk_17\">estimates. </span><span class=\"S6C2 SA7 S2\" id=\"tl_17\">Future changes in economic conditions, business strategies, regulatory requirements, accounting rules and other </span><span class=\"S6C3 SA7 S2\" id=\"tm_17\">factors could result in a change in estimates that could have a material impact on future financial statements. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2353": {
   "value": "<span class=\"S5BE SA7 S2\" id=\"t8_13\">These Consolidated Financial Statements were prepared based on the assumptions of the Management that the </span><span class=\"S5BF SA7 S2\" id=\"t9_13\">Bank will remain in business for the foreseeable future and that the Bank will not be forced to halt operations and </span><span class=\"S5C0 SA7 S2\" id=\"ta_13\">liquidate its assets in the near term at what may be very low fire-sale prices. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2360": {
   "value": "<span class=\"S5C4 S5B9 S2\" id=\"te_13\">The Bank\u2019s functional currency is the Hungarian Forint (\u201cHUF\u201d). It is also presentation currency for the Group. </span><span class=\"S6C4 SB S2\" id=\"tn_17\">2.2. </span><span class=\"S6C5 SB S2\" id=\"to_17\">Foreign currency translation </span><span class=\"S6C6 SA7 S2\" id=\"tp_17\">In preparing the financial statements of each individual group entity, transactions in currencies other than the </span><span class=\"S6C7 SA7 S2\" id=\"tq_17\">entity's functional currencies are translated into functional currencies at the rates of exchange prevailing at the </span><span class=\"S6C8 SA7 S2\" id=\"tr_17\">dates of the transactions. At the end of each reporting period, monetary items denominated in foreign currencies </span><span class=\"S6C9 SA7 S2\" id=\"ts_17\">are retranslated at the exchange rates q</span><span class=\"S6CA S5B9 S2\" id=\"tt_17\">uoted by the National Bank of Hungary (\u201cNBH\u201d), or if there is no official </span><span class=\"S6CB SA7 S2\" id=\"tu_17\">rate, at exchange rates quoted by OTP Bank as at the date of the Consolidated Financial Statements. </span><span class=\"S6CC SA7 S2\" id=\"tv_17\">Non-monetary items carried at fair value that are denominated in foreign currencies are retranslated at the rates </span><span class=\"S6CD SA7 S2\" id=\"tw_17\">prevailing at the date when the fair value was determined. Non-monetary items that are measured in terms of </span><span class=\"S6CE SA7 S2\" id=\"tx_17\">historical cost in a foreign currency are not retranslated. </span><span class=\"S6CF SA7 S2\" id=\"ty_17\">Exchange differences on monetary items are recognized in profit or loss in the period in which they arise except </span><span class=\"S6D0 SA7 S2\" id=\"tz_17\">for: </span><span class=\"S6D1 S6E3 S2\" id=\"t10_17\">- </span><span class=\"S6D2 SA7 S2\" id=\"t11_17\">exchange differences on foreign currency borrowings relating to assets under construction for future </span><span class=\"S6D3 SA7 S2\" id=\"t12_17\">productive use, which are included in the cost of those assets when they are regarded as an adjustment to </span><span class=\"S6D4 SA7 S2\" id=\"t13_17\">interest costs on those foreign currency borrowings; </span><span class=\"S6D5 S6E3 S2\" id=\"t14_17\">- </span><span class=\"S6D6 SA7 S2\" id=\"t15_17\">exchange differences on transactions entered into in order to hedge certain foreign currency risks (see note </span><span class=\"S6D7 SA7 S2\" id=\"t16_17\">2.7. below for hedging accounting policies); and </span><span class=\"S6D8 S6E3 S2\" id=\"t17_17\">- </span><span class=\"S6D9 SA7 S2\" id=\"t18_17\">exchange differences on monetary items receivable from or payable to a foreign operation for which </span><span class=\"S6DA SA7 S2\" id=\"t19_17\">settlement is neither planned nor likely to occur (therefore forming part of the net investment in the foreign </span><span class=\"S6DB SA7 S2\" id=\"t1a_17\">operation), which are recognized initially in Other Comprehensive Income and reclassified from equity to </span><span class=\"S6DC SA7 S2\" id=\"t1b_17\">profit or loss on repayment of the monetary items. </span><span class=\"S6DD SA7 S2\" id=\"t1c_17\">For the purposes of presenting Consolidated Financial Statements, the assets and liabilities of the Group's foreign </span><span class=\"S6DE SA7 S2\" id=\"t1d_17\">operations are translated into HUF using exchange rates prevailing at the end of each reporting period. Income and </span><span class=\"S6DF SA7 S2\" id=\"t1e_17\">expense items are translated at the average exchange rates for the period, unless exchange rates fluctuate </span><span class=\"S6E0 SA7 S2\" id=\"t1f_17\">significantly during that period, in which case the exchange rates at the dates of the transactions are used. Exchange </span><span class=\"S6E1 SA7 S2\" id=\"t1g_17\">differences arising, if any, are recognized in Other Comprehensive Income and accumulated in equity (attributed </span><span class=\"S6E2 SA7 S2\" id=\"t1h_17\">to non-controlling interests as appropriate). </span><span class=\"S585 SB S2\" id=\"t5_18\">2.2. </span><span class=\"S6E5 SB S2\" id=\"t6_18\">Foreign currency translation [continued] </span><span class=\"S6E6 SA7 S2\" id=\"t7_18\">On the disposal of a foreign operation (i.e. a disposal of the Group's entire interest in a foreign operation, or a </span><span class=\"S6E7 SA7 S2\" id=\"t8_18\">disposal involving loss of control over a subsidiary that includes a foreign operation, a disposal involving loss of </span><span class=\"S6E8 SA7 S2\" id=\"t9_18\">joint control over a jointly controlled entity that includes a foreign operation, or a disposal involving loss of </span><span class=\"S6E9 SA7 S2\" id=\"ta_18\">significant influence over an associate that includes a foreign operation), all of the exchange differences </span><span class=\"S6EA SA7 S2\" id=\"tb_18\">accumulated in equity in respect of that operation attributable to the owners of the Group are reclassified to profit </span><span class=\"S6EB SA7 S2\" id=\"tc_18\">or loss. </span><span class=\"S6EC SA7 S2\" id=\"td_18\">In addition, in relation to a partial disposal of a subsidiary that does not result in the Group losing control over the </span><span class=\"S6ED SA7 S2\" id=\"te_18\">subsidiary, the proportionate share of accumulated exchange differences are re-attributed to non-controlling </span><span class=\"S6EE SA7 S2\" id=\"tf_18\">interests and are not recognized in profit or loss. </span><span class=\"S6EF SA7 S2\" id=\"tg_18\">Goodwill and fair value adjustments on identifiable assets and liabilities acquired arising on the acquisition of a </span><span class=\"S6F0 SA7 S2\" id=\"th_18\">foreign operation are treated as assets and liabilities of the foreign operation and translated at the rate of exchange </span><span class=\"S6F1 SA7 S2\" id=\"ti_18\">prevailing at the end of each reporting period. Exchange differences arising are recognized in Other </span><span class=\"S6F2 SA7 S2\" id=\"tj_18\">Comprehensive Income and accumulated in equity. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2376": {
   "value": "<span class=\"S5D3 SA7 S2\" id=\"tt_13\">These Consolidated Financial Statements have been prepared in accordance with IFRS as adopted by the EU. </span><span class=\"S5D4 SA7 S2\" id=\"tu_13\">The accompanying Notes to these Consolidated Financial Statements form an integral part of these Consolidated </span><span class=\"S5D5 SA7 S2\" id=\"tv_13\">Financial Statements prepared in accordance with International Financial Reporting Standards as adopted by EU. </span>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2380": {
   "value": "<span class=\"S5D6 SB S2\" id=\"tw_13\">1.2.1. The effect of adopting new and revised International Financial Reporting Standards effective from </span><span class=\"S5D7 SB S2\" id=\"tx_13\">1 January 2022 </span><span class=\"S5D8 SA7 S2\" id=\"ty_13\">The following amendments to the existing standards and new interpretation issued by the International Accounting </span><span class=\"S5D9 SA7 S2\" id=\"tz_13\">Standards Board (IASB) and adopted by the EU are effective for the current reporting period: </span><span class=\"S5DA S602 S2\" id=\"t10_13\">\u2022 </span><span class=\"S5DB S603 S2\" id=\"t11_13\">Amendments to IFRS 1 \u201cFirst</span><span class=\"S5DC SB S2\" id=\"t12_13\">-</span><span class=\"S5DD S603 S2\" id=\"t13_13\">time Adoption of International Financial Reporting Standards\u201d, IFRS </span><span class=\"S5DE S603 S2\" id=\"t14_13\">9 \u201cFinancial </span><span class=\"S5DF S603 S2\" id=\"t15_13\">Instruments\u201d, IAS 41 \u201cAgriculture\u201d\u2013 </span><span class=\"S5E0 S603 S2\" id=\"t16_13\">\u201cAnnual Improvements to IFRSs 2018</span><span class=\"S5E1 SB S2\" id=\"t17_13\">-2020 </span><span class=\"S5E2 S603 S2\" id=\"t18_13\">Cycle\u201d </span><span class=\"S5E3 SA7 S2\" id=\"t19_13\">- adopted by EU on 28 June 2021 (effective for annual periods beginning on or after 1 January </span><span class=\"S5E4 SA7 S2\" id=\"t1a_13\">2022): </span><span class=\"S5E5 SA7 S2\" id=\"t1b_13\">o </span><span class=\"S5E6 SB S2\" id=\"t1c_13\">IFRS 1 First-time Adoption of International Financial Reporting Standards </span><span class=\"S5E7 S603 S2\" id=\"t1d_13\">\u2013 </span><span class=\"S5E8 SB S2\" id=\"t1e_13\">Subsidiary as a first- </span><span class=\"S5E9 SB S2\" id=\"t1f_13\">time adopter: </span><span class=\"S5EA SA7 S2\" id=\"t1g_13\">The amendment permits a subsidiary that elects to apply paragraph D16(a) of IFRS 1 to </span><span class=\"S5EB S5B9 S2\" id=\"t1h_13\">measure cumulative translation differences using the amounts reported in the parent\u2019s consolidated </span><span class=\"S5EC SA7 S2\" id=\"t1i_13\">financial sta</span><span class=\"S5ED S5B9 S2\" id=\"t1j_13\">tements, based on the parent\u2019s date of transition to IFRS, if no adjustments were made for </span><span class=\"S5EE SA7 S2\" id=\"t1k_13\">consolidation procedures and for the effects of the business combination in which the parent acquired </span><span class=\"S5EF SA7 S2\" id=\"t1l_13\">the subsidiary. This amendment is also applied to an associate or joint venture that elects to apply </span><span class=\"S5F0 SA7 S2\" id=\"t1m_13\">paragraph D16(a) of IFRS 1. These amendments had no impact on the consolidated financial statements </span><span class=\"S5F1 SA7 S2\" id=\"t1n_13\">of the Group as it is not a first-time adopter. </span><span class=\"S5F2 SA7 S2\" id=\"t1o_13\">o </span><span class=\"S5F3 SB S2\" id=\"t1p_13\">IFRS 9 Financial Instruments </span><span class=\"S5F4 S603 S2\" id=\"t1q_13\">\u2013 </span><span class=\"S5F5 S603 S2\" id=\"t1r_13\">Fees in the \u201910 per cent\u2019 test for </span><span class=\"S5F6 SB S2\" id=\"t1s_13\">derecognition of financial </span><span class=\"S5F7 SB S2\" id=\"t1t_13\">liabilities: </span><span class=\"S5F8 SA7 S2\" id=\"t1u_13\">The amendment clarifies the fees that an entity includes when assessing whether the terms </span><span class=\"S5F9 SA7 S2\" id=\"t1v_13\">of a new or modified financial liability are substantially different from the terms of the original financial </span><span class=\"S5FA SA7 S2\" id=\"t1w_13\">liability. These fees include only those paid or received between the borrower and the lender, including </span><span class=\"S5FB S5B9 S2\" id=\"t1x_13\">fees paid or received by either the borrower or lender on the other\u2019s behalf. There is no similar </span><span class=\"S5FC SA7 S2\" id=\"t1y_13\">amendment proposed for IAS 39 Financial Instruments: Recognition and Measurement. In accordance </span><span class=\"S5FD SA7 S2\" id=\"t1z_13\">with the transitional provisions, the Group applies the amendment to financial liabilities that are </span><span class=\"S5FE SA7 S2\" id=\"t20_13\">modified or exchanged on or after the beginning of the annual reporting period in which the entity first </span><span class=\"S5FF SA7 S2\" id=\"t21_13\">applies the amendment (the date of initial application). These amendments had no impact on the </span><span class=\"S600 SA7 S2\" id=\"t22_13\">consolidated financial statements of the Group as there were no fees charged or incurred related to </span><span class=\"S601 SA7 S2\" id=\"t23_13\">modifications during the period. </span><span class=\"S606 SB S2\" id=\"t8_14\">1.2.1. The effect of adopting new and revised International Financial Reporting Standards effective from </span><span class=\"S607 SB S2\" id=\"t9_14\">1 January 2022 [continued] </span><span class=\"S608 S64A S2\" id=\"ta_14\">o </span><span class=\"S609 SB S2\" id=\"tb_14\">IAS 41 Agriculture </span><span class=\"S60A S603 S2\" id=\"tc_14\">\u2013 </span><span class=\"S60B SB S2\" id=\"td_14\">Taxation in fair value measurements: </span><span class=\"S60C SA7 S2\" id=\"te_14\">The amendment removes the requirement </span><span class=\"S60D SA7 S2\" id=\"tf_14\">in paragraph 22 of IAS 41 that entities exclude cash flows for taxation when measuring the fair value of </span><span class=\"S60E SA7 S2\" id=\"tg_14\">assets within the scope of IAS 41. These amendments had limited impact on the consolidated financial </span><span class=\"S60F SA7 S2\" id=\"th_14\">statements of the Group as it has limited assets in scope of IAS 41 as at the reporting date. </span><span class=\"S610 S602 S2\" id=\"ti_14\">\u2022 </span><span class=\"S611 S603 S2\" id=\"tj_14\">Amendments to IFRS 3 \u201cBusiness Combinations\u201d; IAS 16 \u201cProperty, Plant and Equipment\u201d; IAS 37 </span><span class=\"S612 S603 S2\" id=\"tk_14\">\u201cProvisions, Contingent Liabilities and Contingent Assets</span><span class=\"S613 S5B9 S2\" id=\"tl_14\">\u201d </span><span class=\"S614 SA7 S2\" id=\"tm_14\">- adopted by the EU on 28 June 2021 Annual </span><span class=\"S615 SA7 S2\" id=\"tn_14\">Improvements (effective for annual periods beginning on or after 1 January 2022): </span><span class=\"S616 SA7 S2\" id=\"to_14\">o </span><span class=\"S617 SB S2\" id=\"tp_14\">IFRS 3 Business Combinations (Amendments) </span><span class=\"S618 SA7 S2\" id=\"tq_14\">update a reference in IFRS 3 to the previous version of </span><span class=\"S619 S5B9 S2\" id=\"tr_14\">the IASB\u2019s Conceptual Framework for Financial Reporting to the current version issued in 2018 without </span><span class=\"S61A SA7 S2\" id=\"ts_14\">significantly changing the accounting requirements for business combinations. </span><span class=\"S61B SA7 S2\" id=\"tt_14\">o </span><span class=\"S61C SB S2\" id=\"tu_14\">IAS 16 Property, Plant and Equipment (Amendments) </span><span class=\"S61D SA7 S2\" id=\"tv_14\">prohibit a company from deducting from the </span><span class=\"S61E SA7 S2\" id=\"tw_14\">cost of property, plant and equipment any proceeds from the sale of items produced while bringing the </span><span class=\"S61F SA7 S2\" id=\"tx_14\">asset to the location and condition necessary for it be capable of operating in the manner intended by </span><span class=\"S620 SA7 S2\" id=\"ty_14\">management. Instead, a company recognizes such sales proceeds and related cost in profit or loss. </span><span class=\"S621 SA7 S2\" id=\"tz_14\">o </span><span class=\"S622 SB S2\" id=\"t10_14\">IAS 37 Provisions, Contingent Liabilities and Contingent Assets (Amendments) </span><span class=\"S623 SA7 S2\" id=\"t11_14\">specify which costs </span><span class=\"S624 SA7 S2\" id=\"t12_14\">a company includes in determining the cost of fulfilling a contract for the purpose of assessing whether a </span><span class=\"S625 SA7 S2\" id=\"t13_14\">contract is onerous. The amendments clarify, the costs that relate directly to a contract to provide goods </span><span class=\"S626 SA7 S2\" id=\"t14_14\">or services include both incremental costs and an allocation of costs directly related to the contract </span><span class=\"S627 SA7 S2\" id=\"t15_14\">activities. </span><span class=\"S628 S5B9 S2\" id=\"t16_14\">The adoption of these amendments to the existing standards has not led to any material changes in the Group\u2019s </span><span class=\"S629 SA7 S2\" id=\"t17_14\">Consolidated Financial Statements. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2647": {
   "value": "<span class=\"S6B4 SB S2\" id=\"t7_17\">2.1. </span><span class=\"S6B5 SB S2\" id=\"t8_17\">Basis of Presentation </span><span class=\"S6B6 SA7 S2\" id=\"t9_17\">These Consolidated Financial Statements have been prepared under the historical cost convention with the </span><span class=\"S6B7 SA7 S2\" id=\"ta_17\">exception of certain financial instruments, which are recorded at fair value. Revenues and expenses are recorded </span><span class=\"S6B8 SA7 S2\" id=\"tb_17\">in the period in which they are earned or incurred. The Group does not offset assets and liabilities or income and </span><span class=\"S6B9 SA7 S2\" id=\"tc_17\">expenses unless it is required or permitted by an IFRS standard. </span><span class=\"S6BA SA7 S2\" id=\"td_17\">During the preparation of Consolidated Financial Statements assets and liabilities, income and expenses are </span><span class=\"S6BB SA7 S2\" id=\"te_17\">presented separately, except in certain cases, when one of the IFRS standards prescribes net presenting related to </span><span class=\"S6BC SA7 S2\" id=\"tf_17\">certain items (see note 2.8. below). </span><span class=\"S6BD SA7 S2\" id=\"tg_17\">The presentation of Consolidated Financial Statements in conformity with IFRS as adopted by the EU requires the </span><span class=\"S6BE SA7 S2\" id=\"th_17\">Management of the Group to make estimates and assumptions that affect the reported amounts of assets and </span><span class=\"S6BF SA7 S2\" id=\"ti_17\">liabilities and disclosure of contingent assets and liabilities as of the date of the financial statements and their </span><span class=\"S6C0 SA7 S2\" id=\"tj_17\">reported amounts of revenues and expenses during the reporting period. Actual results could differ from those </span><span class=\"S6C1 SA7 S2\" id=\"tk_17\">estimates. </span><span class=\"S6C2 SA7 S2\" id=\"tl_17\">Future changes in economic conditions, business strategies, regulatory requirements, accounting rules and other </span><span class=\"S6C3 SA7 S2\" id=\"tm_17\">factors could result in a change in estimates that could have a material impact on future financial statements. </span><span class=\"S6C4 SB S2\" id=\"tn_17\">2.2. </span><span class=\"S6C5 SB S2\" id=\"to_17\">Foreign currency translation </span><span class=\"S6C6 SA7 S2\" id=\"tp_17\">In preparing the financial statements of each individual group entity, transactions in currencies other than the </span><span class=\"S6C7 SA7 S2\" id=\"tq_17\">entity's functional currencies are translated into functional currencies at the rates of exchange prevailing at the </span><span class=\"S6C8 SA7 S2\" id=\"tr_17\">dates of the transactions. At the end of each reporting period, monetary items denominated in foreign currencies </span><span class=\"S6C9 SA7 S2\" id=\"ts_17\">are retranslated at the exchange rates q</span><span class=\"S6CA S5B9 S2\" id=\"tt_17\">uoted by the National Bank of Hungary (\u201cNBH\u201d), or if there is no official </span><span class=\"S6CB SA7 S2\" id=\"tu_17\">rate, at exchange rates quoted by OTP Bank as at the date of the Consolidated Financial Statements. </span><span class=\"S6CC SA7 S2\" id=\"tv_17\">Non-monetary items carried at fair value that are denominated in foreign currencies are retranslated at the rates </span><span class=\"S6CD SA7 S2\" id=\"tw_17\">prevailing at the date when the fair value was determined. Non-monetary items that are measured in terms of </span><span class=\"S6CE SA7 S2\" id=\"tx_17\">historical cost in a foreign currency are not retranslated. </span><span class=\"S6CF SA7 S2\" id=\"ty_17\">Exchange differences on monetary items are recognized in profit or loss in the period in which they arise except </span><span class=\"S6D0 SA7 S2\" id=\"tz_17\">for: </span><span class=\"S6D1 S6E3 S2\" id=\"t10_17\">- </span><span class=\"S6D2 SA7 S2\" id=\"t11_17\">exchange differences on foreign currency borrowings relating to assets under construction for future </span><span class=\"S6D3 SA7 S2\" id=\"t12_17\">productive use, which are included in the cost of those assets when they are regarded as an adjustment to </span><span class=\"S6D4 SA7 S2\" id=\"t13_17\">interest costs on those foreign currency borrowings; </span><span class=\"S6D5 S6E3 S2\" id=\"t14_17\">- </span><span class=\"S6D6 SA7 S2\" id=\"t15_17\">exchange differences on transactions entered into in order to hedge certain foreign currency risks (see note </span><span class=\"S6D7 SA7 S2\" id=\"t16_17\">2.7. below for hedging accounting policies); and </span><span class=\"S6D8 S6E3 S2\" id=\"t17_17\">- </span><span class=\"S6D9 SA7 S2\" id=\"t18_17\">exchange differences on monetary items receivable from or payable to a foreign operation for which </span><span class=\"S6DA SA7 S2\" id=\"t19_17\">settlement is neither planned nor likely to occur (therefore forming part of the net investment in the foreign </span><span class=\"S6DB SA7 S2\" id=\"t1a_17\">operation), which are recognized initially in Other Comprehensive Income and reclassified from equity to </span><span class=\"S6DC SA7 S2\" id=\"t1b_17\">profit or loss on repayment of the monetary items. </span><span class=\"S6DD SA7 S2\" id=\"t1c_17\">For the purposes of presenting Consolidated Financial Statements, the assets and liabilities of the Group's foreign </span><span class=\"S6DE SA7 S2\" id=\"t1d_17\">operations are translated into HUF using exchange rates prevailing at the end of each reporting period. Income and </span><span class=\"S6DF SA7 S2\" id=\"t1e_17\">expense items are translated at the average exchange rates for the period, unless exchange rates fluctuate </span><span class=\"S6E0 SA7 S2\" id=\"t1f_17\">significantly during that period, in which case the exchange rates at the dates of the transactions are used. Exchange </span><span class=\"S6E1 SA7 S2\" id=\"t1g_17\">differences arising, if any, are recognized in Other Comprehensive Income and accumulated in equity (attributed </span><span class=\"S6E2 SA7 S2\" id=\"t1h_17\">to non-controlling interests as appropriate). </span><span class=\"S585 SB S2\" id=\"t5_18\">2.2. </span><span class=\"S6E5 SB S2\" id=\"t6_18\">Foreign currency translation [continued] </span><span class=\"S6E6 SA7 S2\" id=\"t7_18\">On the disposal of a foreign operation (i.e. a disposal of the Group's entire interest in a foreign operation, or a </span><span class=\"S6E7 SA7 S2\" id=\"t8_18\">disposal involving loss of control over a subsidiary that includes a foreign operation, a disposal involving loss of </span><span class=\"S6E8 SA7 S2\" id=\"t9_18\">joint control over a jointly controlled entity that includes a foreign operation, or a disposal involving loss of </span><span class=\"S6E9 SA7 S2\" id=\"ta_18\">significant influence over an associate that includes a foreign operation), all of the exchange differences </span><span class=\"S6EA SA7 S2\" id=\"tb_18\">accumulated in equity in respect of that operation attributable to the owners of the Group are reclassified to profit </span><span class=\"S6EB SA7 S2\" id=\"tc_18\">or loss. </span><span class=\"S6EC SA7 S2\" id=\"td_18\">In addition, in relation to a partial disposal of a subsidiary that does not result in the Group losing control over the </span><span class=\"S6ED SA7 S2\" id=\"te_18\">subsidiary, the proportionate share of accumulated exchange differences are re-attributed to non-controlling </span><span class=\"S6EE SA7 S2\" id=\"tf_18\">interests and are not recognized in profit or loss. </span><span class=\"S6EF SA7 S2\" id=\"tg_18\">Goodwill and fair value adjustments on identifiable assets and liabilities acquired arising on the acquisition of a </span><span class=\"S6F0 SA7 S2\" id=\"th_18\">foreign operation are treated as assets and liabilities of the foreign operation and translated at the rate of exchange </span><span class=\"S6F1 SA7 S2\" id=\"ti_18\">prevailing at the end of each reporting period. Exchange differences arising are recognized in Other </span><span class=\"S6F2 SA7 S2\" id=\"tj_18\">Comprehensive Income and accumulated in equity. </span><span class=\"S6F3 SB S2\" id=\"tk_18\">2.3. </span><span class=\"S6F4 SB S2\" id=\"tl_18\">Principles of consolidation </span><span class=\"S6F5 SA7 S2\" id=\"tm_18\">As the ultimate parent, OTP Bank is preparing Consolidated Financial Statements of the Group. </span><span class=\"S6F6 SA7 S2\" id=\"tn_18\">These Consolidated Financial Statements combine the assets, liabilities, equity, income, expenses and cash flows </span><span class=\"S6F7 SA7 S2\" id=\"to_18\">of the Bank and of those subsidiaries of the Bank in which the Bank exercises control. </span><span class=\"S6F8 SA7 S2\" id=\"tp_18\">All intra-group transactions are consolidated fully on a line-by-line basis while under equity method other </span><span class=\"S6F9 SA7 S2\" id=\"tq_18\">consolidation rules are applied. Determination of the entities which are involved into the consolidation procedures </span><span class=\"S6FA S5B9 S2\" id=\"tr_18\">based on the determination of the Group\u2019s Control over </span><span class=\"S6FB SA7 S2\" id=\"ts_18\">another entity. Control exists when the Bank has power </span><span class=\"S6FC SA7 S2\" id=\"tt_18\">over the investee, is able to use this power and is exposed or has right to variable returns. Consolidation of a </span><span class=\"S6FD SA7 S2\" id=\"tu_18\">subsidiary should begin from the date when the Group obtains control and cease when the Group loses control. </span><span class=\"S6FE SA7 S2\" id=\"tv_18\">Therefore, income and expenses of a subsidiary should be included in the Consolidated Financial Statements from </span><span class=\"S6FF SA7 S2\" id=\"tw_18\">the date the Group gains control of the subsidiary until the date when the Group ceases to have control of the </span><span class=\"S700 SA7 S2\" id=\"tx_18\">subsidiary. </span><span class=\"S701 SA7 S2\" id=\"ty_18\">The list of the major fully consolidated subsidiaries, the percentage of issued capital owned by the Bank and the </span><span class=\"S702 SA7 S2\" id=\"tz_18\">description of their activities is provided in Note 43. </span><span class=\"S703 SB S2\" id=\"t10_18\">2.4. </span><span class=\"S704 SB S2\" id=\"t11_18\">Accounting for acquisitions </span><span class=\"S705 SA7 S2\" id=\"t12_18\">Business combinations are accounted for using the acquisition method. Any goodwill arising on acquisition is </span><span class=\"S706 SA7 S2\" id=\"t13_18\">recognized in the Consolidated Statement of Financial Position and accounted for as indicated below. </span><span class=\"S707 SA7 S2\" id=\"t14_18\">The acquisition date is the date on which the acquirer effectively obtains control over the acquiree. Before this </span><span class=\"S708 SA7 S2\" id=\"t15_18\">date, it should be presented as Advance for investments within Other assets. </span><span class=\"S709 SA7 S2\" id=\"t16_18\">Goodwill, which represents the residual cost of the acquisition after obtaining the control over the acquiree in the </span><span class=\"S70A SA7 S2\" id=\"t17_18\">fair value of the identifiable assets acquired and liabilities assumed is held as an intangible asset and recorded at </span><span class=\"S70B SA7 S2\" id=\"t18_18\">cost less any accumulated impairment losses in the Consolidated Financial Statements. The Group tests goodwill </span><span class=\"S70C SA7 S2\" id=\"t19_18\">for impairment by comparing its recoverable amount with its carrying amount, and recognising any excess of the </span><span class=\"S70D SA7 S2\" id=\"t1a_18\">carrying amount over the recoverable amount an impairment loss. The recoverable amount of goodwill is the </span><span class=\"S70E SA7 S2\" id=\"t1b_18\">higher of its fair value less costs of disposal and its value in use. </span><span class=\"S70F SA7 S2\" id=\"t1c_18\">If the Group loses control of a subsidiary, derecognizes the assets (including any goodwill) and liabilities of the </span><span class=\"S710 SA7 S2\" id=\"t1d_18\">subsidiary at their carrying amounts at the date when control is lost and recognizes any difference as a gain or loss </span><span class=\"S711 SA7 S2\" id=\"t1e_18\">on the sale attributable to the parent in the Consolidated Statement of Profit or Loss on Net income from </span><span class=\"S712 SA7 S2\" id=\"t1f_18\">discontinued operations. </span><span class=\"S713 SA7 S2\" id=\"t1g_18\">Goodwill acquired in a business combination is tested for impairment annually or more frequently if events or </span><span class=\"S714 SA7 S2\" id=\"t1h_18\">changes in circumstances indicate. The goodwill is allocated to the cash-generating units that are expected to </span><span class=\"S715 SA7 S2\" id=\"t1i_18\">benefit from the synergies of the combinations. </span><span class=\"S585 SB S2\" id=\"t5_19\">2.4. </span><span class=\"S716 SB S2\" id=\"t6_19\">Accounting for acquisition [continued] </span><span class=\"S717 SA7 S2\" id=\"t7_19\">The Group calculates the fair value of identified assets and liabilities assumed on discounted cash-flow model. </span><span class=\"S718 SA7 S2\" id=\"t8_19\">The 3 year period explicit cash-flow model serves as a basis for the impairment test by which the Group defines </span><span class=\"S719 SA7 S2\" id=\"t9_19\">the impairment need on goodwill based on the strategic factors and financial data of its cash-generating units. </span><span class=\"S71A SA7 S2\" id=\"ta_19\">The Group, in its strategic plan, has taken into consideration the effects of the present global economic situation, </span><span class=\"S71B SA7 S2\" id=\"tb_19\">the present economic growth and outlook, the associated risks and their possible effect on the financial sector as </span><span class=\"S71C SA7 S2\" id=\"tc_19\">well as the current and expected availability of wholesale funding. </span><span class=\"S71D SA7 S2\" id=\"td_19\">Negative goodwill (gain from bargain purchase), when the interest of the acquirer in the net fair value of the </span><span class=\"S71E SA7 S2\" id=\"te_19\">acquired identifiable net assets exceeds the cost of the business combination, is recognized immediately in the </span><span class=\"S71F S5B9 S2\" id=\"tf_19\">Consolidated Statement of Profit or Loss as \u201cOther income\u201d. </span><span class=\"S720 SB S2\" id=\"tg_19\">2.5. </span><span class=\"S721 SB S2\" id=\"th_19\">Securities at amortized cost </span><span class=\"S722 SA7 S2\" id=\"ti_19\">The Group measures at amortized cost those securities which are held for contractual cash collecting purposes, </span><span class=\"S723 SA7 S2\" id=\"tj_19\">and contractual terms of these securities give rise to cash flows that are solely payment of principal and interest </span><span class=\"S724 SA7 S2\" id=\"tk_19\">on the principal amount outstanding. The Group initially recognizes these securities at fair value. Securities at </span><span class=\"S725 S5B9 S2\" id=\"tl_19\">amortized cost are subsequently measured using the effective interest (\u201cEIR\u201d) method and are subject to </span><span class=\"S726 SA7 S2\" id=\"tm_19\">impairment. The amortisation of any discount or premium on the acquisition of a security at amortized cost is part </span><span class=\"S727 SA7 S2\" id=\"tn_19\">of the amortized cost and is recognized as interest income so that the revenue recognized in each period represents </span><span class=\"S728 SA7 S2\" id=\"to_19\">a constant yield on the investment. Securities at amortized cost are accounted for on a trade date basis. </span><span class=\"S729 SA7 S2\" id=\"tp_19\">Such securities comprise mainly securities issued by the Hungarian and foreign Governments, corporate bonds, </span><span class=\"S72A SA7 S2\" id=\"tq_19\">mortgage bonds and discounted treasury bills. </span><span class=\"S72B SB S2\" id=\"tr_19\">2.6. </span><span class=\"S72C SB S2\" id=\"ts_19\">Financial assets at fair value through profit or loss </span><span class=\"S72D SB S2\" id=\"tt_19\">2.6.1. </span><span class=\"S72E SB S2\" id=\"tu_19\">Securities held for trading </span><span class=\"S72F SA7 S2\" id=\"tv_19\">Investments in securities are accounted for on a trade date basis and are initially measured at fair value. Securities </span><span class=\"S730 SA7 S2\" id=\"tw_19\">held for trading are measured at subsequent reporting dates at fair value, so unrealized gains and losses on held for </span><span class=\"S731 SA7 S2\" id=\"tx_19\">trading securities are recognized in profit or loss and included in the Consolidated Statement of Profit or Loss for </span><span class=\"S732 SA7 S2\" id=\"ty_19\">the period. The Group holds held for trading securities within the business model to obtain short-term gains, </span><span class=\"S733 SA7 S2\" id=\"tz_19\">consequently realized and unrealized gains and losses are recognized in the net operating income, while interest </span><span class=\"S734 SA7 S2\" id=\"t10_19\">income is recognized in income similar to interest income. </span><span class=\"S735 SA7 S2\" id=\"t11_19\">Such securities consist of equity instruments, shares in investment funds, Hungarian and foreign government </span><span class=\"S736 SA7 S2\" id=\"t12_19\">bonds, corporate bonds, discounted treasury bills, mortgage bonds and other securities. </span><span class=\"S737 SB S2\" id=\"t13_19\">2.6.2. </span><span class=\"S738 SB S2\" id=\"t14_19\">Financial assets designated as fair value through profit or loss </span><span class=\"S739 SA7 S2\" id=\"t15_19\">The Group may - at initial recognition - irrevocable designate a financial asset as measured at fair value through </span><span class=\"S73A SA7 S2\" id=\"t16_19\">profit or loss that would otherwise be measured at fair value through other comprehensive income or at amortized </span><span class=\"S73B SA7 S2\" id=\"t17_19\">cost. </span><span class=\"S73C SA7 S2\" id=\"t18_19\">The Group uses fair value designation if the classification eliminates or significantly reduces a measurement or </span><span class=\"S73D SA7 S2\" id=\"t19_19\">recognition inconsistency that would otherwise arise from measuring assets or liabilities or recognising the gains </span><span class=\"S73E SA7 S2\" id=\"t1a_19\">and losses on them on different ba</span><span class=\"S73F S5B9 S2\" id=\"t1b_19\">ses (\u2018accounting mismatch\u2019). </span><span class=\"S740 SA7 S2\" id=\"t1c_19\">The use of the fair value designation is based only on direct decision of management of the Group. The Group </span><span class=\"S741 S5B9 S2\" id=\"t1d_19\">currently doesn\u2019t apply this method. </span><span class=\"S585 SB S2\" id=\"t5_20\">2.6. </span><span class=\"S742 SB S2\" id=\"t6_20\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S743 SB S2\" id=\"t7_20\">2.6.3. </span><span class=\"S744 SB S2\" id=\"t8_20\">Derivative financial instruments </span><span class=\"S745 SA7 S2\" id=\"t9_20\">In the normal course of business, the Group is a party to contracts for derivative financial instruments, which </span><span class=\"S746 SA7 S2\" id=\"ta_20\">represent a low initial investment compared to the notional value of the contract and their value depends on value </span><span class=\"S747 SA7 S2\" id=\"tb_20\">of underlying asset and are settled in the future. The derivative financial instruments used include interest rate </span><span class=\"S748 SA7 S2\" id=\"tc_20\">forward or swap agreements and currency forward or swap agreements and options. These financial instruments </span><span class=\"S749 SA7 S2\" id=\"td_20\">are used by the Group both for trading purposes and to hedge interest rate risk and currency exposures associated </span><span class=\"S74A SA7 S2\" id=\"te_20\">with its transactions in the financial markets (it is the so-called economic hedge, accounting hedge is described </span><span class=\"S74B SA7 S2\" id=\"tf_20\">later). </span><span class=\"S74C SA7 S2\" id=\"tg_20\">Derivative financial instruments are accounted for on a trade date basis and are initially measured at fair value and </span><span class=\"S74D SA7 S2\" id=\"th_20\">at subsequent reporting dates also at fair value. Fair values are obtained from quoted market prices, discounted </span><span class=\"S74E SA7 S2\" id=\"ti_20\">cash-flow models and option pricing models as appropriate. The Group adopts a multi curve valuation approach </span><span class=\"S74F SA7 S2\" id=\"tj_20\">for calculating the net present value of future cash-flows </span><span class=\"S750 S5B9 S2\" id=\"tk_20\">\u2013 </span><span class=\"S751 SA7 S2\" id=\"tl_20\">based on different curves used for determining forward </span><span class=\"S752 SA7 S2\" id=\"tm_20\">rates and used for discounting purposes. It shows the best estimation of such derivative deals that are collateralised </span><span class=\"S753 SA7 S2\" id=\"tn_20\">as the Group has almost all of its open derivative transactions collateralised. </span><span class=\"S754 SA7 S2\" id=\"to_20\">Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognized </span><span class=\"S755 SA7 S2\" id=\"tp_20\">in profit or loss and are included in the Consolidated Statement of Profit or Loss for the period. Each derivative </span><span class=\"S6C3 SA7 S2\" id=\"tq_20\">deal is determined as asset when fair value is positive and as liability when fair value is negative. </span><span class=\"S756 SA7 S2\" id=\"tr_20\">Certain derivative transactions, while providing effective economic hedges under the risk management policy of </span><span class=\"S757 SA7 S2\" id=\"ts_20\">the Group, do not qualify for hedge accounting under the specific rules of IFRS 9 and are therefore treated as </span><span class=\"S758 SA7 S2\" id=\"tt_20\">derivatives held for trading with fair value gains and losses charged directly to the Consolidated Statement of </span><span class=\"S759 SA7 S2\" id=\"tu_20\">Profit or Loss. </span><span class=\"S75A SC S2\" id=\"tv_20\">Foreign currency contracts </span><span class=\"S75B SA7 S2\" id=\"tw_20\">Foreign currency contracts are agreements to exchange specific amounts of currencies at a specified rate of </span><span class=\"S75C SA7 S2\" id=\"tx_20\">exchange, at a spot date (settlement occurs two days after the trade date) or at a forward date (settlement occurs </span><span class=\"S75D SA7 S2\" id=\"ty_20\">more than two days after the trade date). The notional amount of these forward contracts does not represent the </span><span class=\"S75E SA7 S2\" id=\"tz_20\">actual market or credit risk associated with these contracts. </span><span class=\"S75F SA7 S2\" id=\"t10_20\">Foreign currency contracts are used by the Group for risk management and trading purposes. The risk management </span><span class=\"S760 SA7 S2\" id=\"t11_20\">foreign currency contracts of the Group were used to hedge the exchange rate fluctuations of loans and deposits to </span><span class=\"S761 SA7 S2\" id=\"t12_20\">credit institutions denominated in foreign currency. </span><span class=\"S762 SC S2\" id=\"t13_20\">Foreign exchange swaps and interest rate swaps </span><span class=\"S763 S5B9 S2\" id=\"t14_20\">The Group enters into foreign exchange swap and interest rate swap (\u201cIRS\u201d) transactions. The swap transaction is </span><span class=\"S764 SA7 S2\" id=\"t15_20\">an agreement concerning the swap of certain financial instruments, which usually consists of spot and one or more </span><span class=\"S765 SA7 S2\" id=\"t16_20\">forward contracts. </span><span class=\"S766 SA7 S2\" id=\"t17_20\">IRS transactions oblige two parties to exchange one or more payments calculated with reference to fixed or </span><span class=\"S767 SA7 S2\" id=\"t18_20\">periodically reset rates of interest applied to a specific notional principal amount (the base of the interest </span><span class=\"S768 SA7 S2\" id=\"t19_20\">calculation). Notional principal is the amount upon which interest rates are applied to determine the payment </span><span class=\"S769 SA7 S2\" id=\"t1a_20\">streams under IRS transactions. Such notional principal amounts often are used to express the volume of these </span><span class=\"S76A SA7 S2\" id=\"t1b_20\">transactions but are not actually exchanged between the counterparties. </span><span class=\"S76B SA7 S2\" id=\"t1c_20\">IRS transactions are used by the Group for risk management and trading purposes. </span><span class=\"S76C SC S2\" id=\"t1d_20\">Cross-currency interest rate swaps </span><span class=\"S76D SA7 S2\" id=\"t1e_20\">The Group enters into cross-currency interest rate swap (CCIRS) transactions which have special attributes, i.e. </span><span class=\"S76E SA7 S2\" id=\"t1f_20\">the parties exchange the notional amount at the beginning and also at the maturity of the transaction. A special </span><span class=\"S76F SA7 S2\" id=\"t1g_20\">type of these deals is the mark-to-market CCIRS agreements. For these kind of transactions the parties </span><span class=\"S770 S5B9 S2\" id=\"t1h_20\">\u2013 </span><span class=\"S771 SA7 S2\" id=\"t1i_20\">in </span><span class=\"S772 SA7 S2\" id=\"t1j_20\">accordance with the foreign exchange prices </span><span class=\"S773 S5B9 S2\" id=\"t1k_20\">\u2013 </span><span class=\"S774 SA7 S2\" id=\"t1l_20\">revalue the notional amount during lifetime of the transaction. </span><span class=\"S585 SB S2\" id=\"t5_21\">2.6. </span><span class=\"S775 SB S2\" id=\"t6_21\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S776 SB S2\" id=\"t7_21\">2.6.3   Derivative financial instruments [continued] </span><span class=\"S777 SC S2\" id=\"t8_21\">Equity and commodity swaps </span><span class=\"S778 SA7 S2\" id=\"t9_21\">Equity swaps obligate two parties to exchange more payments calculated with reference to periodically reset rates </span><span class=\"S779 SA7 S2\" id=\"ta_21\">of interest and performance of indices. A specific notional principal amount is the base of the interest calculation. </span><span class=\"S77A SA7 S2\" id=\"tb_21\">The payment of index return is calculated on the basis of current market price compared to the previous market </span><span class=\"S77B SA7 S2\" id=\"tc_21\">price. In case of commodity swaps payments are calculated on the basis of the strike price of a predefined </span><span class=\"S77C SA7 S2\" id=\"td_21\">commodity compared to its average market price in a period. </span><span class=\"S77D SC S2\" id=\"te_21\">Forward rate agreements (FRA) </span><span class=\"S77E SA7 S2\" id=\"tf_21\">A forward rate agreement is an agreement to settle amounts at a specified future date based on the difference </span><span class=\"S77F SA7 S2\" id=\"tg_21\">between an interest rate index and an agreed upon fixed rate. Market risk arises from changes in the market value </span><span class=\"S780 SA7 S2\" id=\"th_21\">of contractual positions caused by movements in interest rates. </span><span class=\"S781 SA7 S2\" id=\"ti_21\">The Group limits its exposure to market risk by entering into generally matching or offsetting positions and by </span><span class=\"S782 SA7 S2\" id=\"tj_21\">establishing and monitoring limits on unmatched positions. Credit risk is managed through approval procedures </span><span class=\"S783 S5B9 S2\" id=\"tk_21\">that establish specific limits for individual counterparties. The Group\u2019s forward rate agreements were transacted </span><span class=\"S784 SA7 S2\" id=\"tl_21\">for management of interest rate exposures and have been accounted for at mark-to-market fair value. </span><span class=\"S785 SC S2\" id=\"tm_21\">Foreign exchange options </span><span class=\"S786 SA7 S2\" id=\"tn_21\">A foreign exchange option is a derivative financial instrument that gives the owner the right to exchange money </span><span class=\"S787 SA7 S2\" id=\"to_21\">denominated in one currency into another currency at a pre-agreed exchange rate at a specified future date. The </span><span class=\"S788 SA7 S2\" id=\"tp_21\">transaction, for a fee, guarantees a worst-case exchange rate for the futures purchase of one currency for another. </span><span class=\"S789 SA7 S2\" id=\"tq_21\">These options protect against unfavourable currency movements while preserving the ability to participate in </span><span class=\"S78A SA7 S2\" id=\"tr_21\">favourable movements. </span><span class=\"S78B SB S2\" id=\"ts_21\">2.7. </span><span class=\"S78C SB S2\" id=\"tt_21\">Hedge accounting </span><span class=\"S78D SB S2\" id=\"tu_21\">Derivative financial instruments designated as a fair-value hedge </span><span class=\"S78E SA7 S2\" id=\"tv_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instruments in fair value hedges </span><span class=\"S78F SA7 S2\" id=\"tw_21\">and that prove to be highly effective in relation to the hedged risk, are recorded in the Consolidated Statement of </span><span class=\"S790 SA7 S2\" id=\"tx_21\">Profit or Loss along with the corresponding change in fair value of the hedged asset or liability that is attributable </span><span class=\"S791 SA7 S2\" id=\"ty_21\">to the specific hedged risk. Changes in the fair value of hedging instrument in fair value hedges is charged directly </span><span class=\"S792 SA7 S2\" id=\"tz_21\">to the Consolidated Statement of Profit or Loss. </span><span class=\"S793 SA7 S2\" id=\"t10_21\">The conditions of hedge accounting applied by the Bank are the following: formally designated as hedge </span><span class=\"S794 SA7 S2\" id=\"t11_21\">relationship, proper hedge documentation is prepared, effectiveness test is performed and based on it the hedge is </span><span class=\"S795 SA7 S2\" id=\"t12_21\">qualified as effective. In the case of a financial instrument measured at amortised cost the Group recognises the </span><span class=\"S796 SA7 S2\" id=\"t13_21\">hedging gain or loss on the hedged item as the modification of its carrying amount and it is recognised in profit or </span><span class=\"S797 SA7 S2\" id=\"t14_21\">loss. These adjustments of the carrying amount are amortised to the profit or loss using the effective interest rate </span><span class=\"S798 SA7 S2\" id=\"t15_21\">method. The Group starts the amortisation when the hedged item is no longer adjusted by the hedging gains or </span><span class=\"S799 SA7 S2\" id=\"t16_21\">losses. If the hedged item is derecognised, the Group recognises the unamortised fair value in profit or loss </span><span class=\"S79A SA7 S2\" id=\"t17_21\">immediately. For fair value hedges inefficiencies and the net revaluation of hedged and hedging item are </span><span class=\"S79B SA7 S2\" id=\"t18_21\">recognized in the Net results on derivative instruments and hedge relationships. </span><span class=\"S79C SA7 S2\" id=\"t19_21\">The Group implemented hedge accounting rules prescribed by IFRS 9 in 2018. For further details please see Note </span><span class=\"S79D SA7 S2\" id=\"t1a_21\">48.3. </span><span class=\"S79E SB S2\" id=\"t1b_21\">Derivative financial instruments designated as cash-flow hedge </span><span class=\"S79F SA7 S2\" id=\"t1c_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instrument in cash-flow hedges </span><span class=\"S7A0 SA7 S2\" id=\"t1d_21\">and that prove to be highly effective in relation to the hedged risk are recognized in their effective portion as </span><span class=\"S7A1 SA7 S2\" id=\"t1e_21\">reserve in Other Comprehensive Income. The ineffective element of the changes in fair value of hedging </span><span class=\"S7A2 SA7 S2\" id=\"t1f_21\">instrument is charged directly to the Consolidated Statement of Profit or Loss. </span><span class=\"S585 SB S2\" id=\"t5_22\">2.7. </span><span class=\"S7A4 SB S2\" id=\"t6_22\">Hedge accounting [continued] </span><span class=\"S7A5 SB S2\" id=\"t7_22\">Derivative financial instruments designated as cash-flow hedge [continued] </span><span class=\"S7A6 SA7 S2\" id=\"t8_22\">The Group terminates the hedge relationship if the hedging instrument expires or is sold, terminated or exercised, </span><span class=\"S7A7 SA7 S2\" id=\"t9_22\">or the hedge no longer meets the criteria for hedge accounting. In the case of cash-flow hedges </span><span class=\"S7A8 S5B9 S2\" id=\"ta_22\">\u2013 </span><span class=\"S7A9 SA7 S2\" id=\"tb_22\">in line with the </span><span class=\"S7AA SA7 S2\" id=\"tc_22\">standard - hedge accounting is still applied by the Group as long as the underlying asset is derecognized or </span><span class=\"S7AB SA7 S2\" id=\"td_22\">terminated. When the Group discontinues hedge accounting to a cash-flow hedge the amount in the cash flow </span><span class=\"S7AC SA7 S2\" id=\"te_22\">hedge reserve is reclassified to the profit or loss if the hedged future cash flows are no longer expected to occur. </span><span class=\"S7AD SA7 S2\" id=\"tf_22\">If the hedged future cash flows are still expected to occur, the amount remains in the cashflow hedge reserve and </span><span class=\"S7AE SA7 S2\" id=\"tg_22\">reclassified to the profit and loss only when the future cash flows occur. </span><span class=\"S71F SB S2\" id=\"th_22\">Net investment hedge in foreign operations </span><span class=\"S7AF SA7 S2\" id=\"ti_22\">Hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as </span><span class=\"S7B0 SA7 S2\" id=\"tj_22\">part of the net investment, shall be accounted for similarly to cash flow hedges. </span><span class=\"S7B1 SA7 S2\" id=\"tk_22\">On the disposal of a foreign operation, the cumulative value of any gains and losses recognized in Other </span><span class=\"S7B2 SA7 S2\" id=\"tl_22\">Comprehensive Income is transferred to the Consolidated Statement of Profit or Loss. The Group has terminated </span><span class=\"S7B3 SA7 S2\" id=\"tm_22\">these transactions since 2020. </span><span class=\"S7B4 SB S2\" id=\"tn_22\">2.8. </span><span class=\"S7B5 SB S2\" id=\"to_22\">Offsetting </span><span class=\"S7B6 SA7 S2\" id=\"tp_22\">Financial assets and liabilities are offset and the net amount is reported in the Consolidated Statement of Financial </span><span class=\"S7B7 SA7 S2\" id=\"tq_22\">Position when the Group has a legally enforceable right to set off the recognized amounts and the transactions are </span><span class=\"S7B8 SA7 S2\" id=\"tr_22\">intended to be reported in the Consolidated Statement of Financial Position on a net basis. In case of the derivative </span><span class=\"S7B9 SA7 S2\" id=\"ts_22\">financial instruments the Group applies offsetting and net presentation in the Consolidated Statement of Financial </span><span class=\"S7BA SA7 S2\" id=\"tt_22\">Position when the Group has the right and the ability to settle these assets and liabilities on a net basis. </span><span class=\"S7BB SB S2\" id=\"tu_22\">2.9. </span><span class=\"S7BC SB S2\" id=\"tv_22\">Embedded derivatives </span><span class=\"S7BD SA7 S2\" id=\"tw_22\">Sometimes, a derivative may be a component of a combined or hybrid contract that includes a host contract and a </span><span class=\"S7BE SA7 S2\" id=\"tx_22\">derivative (the embedded derivative) affecting cash-flows or otherwise modifying the characteristics of the host </span><span class=\"S7BF SA7 S2\" id=\"ty_22\">instrument. An embedded derivative must be separated from the host instrument and accounted for as a separate </span><span class=\"S7C0 SA7 S2\" id=\"tz_22\">derivative if, and only if: </span><span class=\"S7C1 S602 S2\" id=\"t10_22\">\u2022 </span><span class=\"S7C2 SA7 S2\" id=\"t11_22\">The economic characteristics and risks of the embedded derivative are not closely related to the economic </span><span class=\"S7C3 SA7 S2\" id=\"t12_22\">characteristics and risks of the host contract; </span><span class=\"S7C4 S602 S2\" id=\"t13_22\">\u2022 </span><span class=\"S7C5 SA7 S2\" id=\"t14_22\">A separate financial instrument with the same terms as the embedded derivative would meet the definition </span><span class=\"S7C6 SA7 S2\" id=\"t15_22\">of a derivative as a stand-alone instrument; and </span><span class=\"S7C7 S602 S2\" id=\"t16_22\">\u2022 </span><span class=\"S7C8 SA7 S2\" id=\"t17_22\">The host instrument is not measured at fair value or is measured at fair value but changes in fair value are </span><span class=\"S7C9 SA7 S2\" id=\"t18_22\">recognized in Other Comprehensive Income. </span><span class=\"S7CA SA7 S2\" id=\"t19_22\">As long as a hybrid contract contains a host that is a financial asset the general accounting rules for classification, </span><span class=\"S7CB SA7 S2\" id=\"t1a_22\">recognition and measurement of financial assets are applicable for the whole contract and no embedded derivative </span><span class=\"S7CC SA7 S2\" id=\"t1b_22\">is separated. </span><span class=\"S7CD SA7 S2\" id=\"t1c_22\">Derivatives that are required to be separated are measured at fair value at initial recognition and subsequently. If </span><span class=\"S7CE SA7 S2\" id=\"t1d_22\">the Group is unable to measure the embedded derivative separately either at acquisition or at the end of a </span><span class=\"S7CF SA7 S2\" id=\"t1e_22\">subsequent financial reporting period, the Group shall designate the entire hybrid contract as at fair value through </span><span class=\"S7D0 SA7 S2\" id=\"t1f_22\">profit or loss. The Group shall assess whether an embedded derivative is required to be separated from the host </span><span class=\"S7D1 SA7 S2\" id=\"t1g_22\">contract and accounted for as a derivative when the Bank first becomes a party to the contract. </span><span class=\"S7D2 SA7 S2\" id=\"t1h_22\">The separation rules for embedded derivatives are only relevant for financial liabilities. </span><span class=\"S7D3 SB S2\" id=\"t1i_22\">2.10. </span><span class=\"S7D4 SB S2\" id=\"t1j_22\">Securities at fair value through other comprehensive income </span><span class=\"S7D5 SA7 S2\" id=\"t1k_22\">Securities at fair value through other comprehensive income are held within a business model whose objective is </span><span class=\"S7D6 SA7 S2\" id=\"t1l_22\">achieved by both collecting of contractual cash flows and selling securities. Furthermore, the contractual terms of </span><span class=\"S7D7 SA7 S2\" id=\"t1m_22\">these securities give rise on specified dates to cash flows that are solely payment of principal and interest on the </span><span class=\"S7D8 SA7 S2\" id=\"t1n_22\">principal amount outstanding. </span><span class=\"S7D9 SB S2\" id=\"t5_23\">2.10. </span><span class=\"S7DA SB S2\" id=\"t6_23\">Securities at fair value through other comprehensive income [continued] </span><span class=\"S7DB SB S2\" id=\"t7_23\">Debt instruments </span><span class=\"S7DC SA7 S2\" id=\"t8_23\">Investments in debt securities are accounted for on a trade date basis and are initially measured at fair value. </span><span class=\"S7DD SA7 S2\" id=\"t9_23\">Securities at fair value through other comprehensive income are measured at subsequent reporting dates at fair </span><span class=\"S7DE SA7 S2\" id=\"ta_23\">value. Unrealized gains and losses on securities at fair value through other comprehensive income are recognized </span><span class=\"S7DF SA7 S2\" id=\"tb_23\">directly in Other Comprehensive Income, except for interest and foreign exchange gains/losses on monetary items, </span><span class=\"S7E0 SA7 S2\" id=\"tc_23\">unless such financial asset at fair value through other comprehensive income is part of an effective hedge. Such </span><span class=\"S7E1 SA7 S2\" id=\"td_23\">gains and losses are reported when realized in Consolidated Statement of Profit or Loss for the applicable period. </span><span class=\"S7E2 SA7 S2\" id=\"te_23\">For debt securities at fair value through other comprehensive income the loss allowance is calculated based on </span><span class=\"S7E3 SA7 S2\" id=\"tf_23\">expected credit loss model. The expected credit loss is accounted for against Other Comprehensive Income. </span><span class=\"S7E4 SA7 S2\" id=\"tg_23\">Securities at fair value through other comprehensive income are remeasured at fair value based on quoted prices </span><span class=\"S7E5 SA7 S2\" id=\"th_23\">or amounts derived from cash-flow models. In circumstances where the quoted market prices are not readily </span><span class=\"S7E6 SA7 S2\" id=\"ti_23\">available, the fair value of debt securities is estimated using the present value of future cash-flows and the fair </span><span class=\"S7E7 SA7 S2\" id=\"tj_23\">value of any unquoted equity instruments are calculated using the EPS ratio. </span><span class=\"S7E8 SA7 S2\" id=\"tk_23\">Such securities consist of Hungarian and foreign government bonds, corporate bonds, mortgage bonds, interest- </span><span class=\"S7E9 SA7 S2\" id=\"tl_23\">bearing Treasury bills, securities issued by the NBH and other securities. </span><span class=\"S7EA SB S2\" id=\"tm_23\">Fair value through other comprehensive income option for equity instruments </span><span class=\"S7EB SA7 S2\" id=\"tn_23\">The Group has elected to present in the Statement of Other Comprehensive Income changes of fair value of those </span><span class=\"S7EC SA7 S2\" id=\"to_23\">equity instruments which are neither held for trading nor recognized as contingent consideration under IFRS 3. </span><span class=\"S7ED SA7 S2\" id=\"tp_23\">In some cases, the Group made an irrevocable election at initial recognition for certain equity instruments to </span><span class=\"S7EE SA7 S2\" id=\"tq_23\">present subsequent changes in fair value of these securities in the consolidated other comprehensive income instead </span><span class=\"S7EF SA7 S2\" id=\"tr_23\">of in profit or loss. </span><span class=\"S7F0 SA7 S2\" id=\"ts_23\">The use of the fair value option is based only on direct decision of management of the Group. </span><span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span><span class=\"S839 SB S2\" id=\"t5_25\">2.12. Modified assets </span><span class=\"S83A SA7 S2\" id=\"t6_25\">If the net present value of the contracted cash flows changes due to the modification of the contractual terms and </span><span class=\"S83B SA7 S2\" id=\"t7_25\">it is not qualified as derecognition, modification gain or loss should be calculated and accounted for in the </span><span class=\"S83C SA7 S2\" id=\"t8_25\">Consolidated Statement of Profit or Loss. Modification gain or loss is accounted in cases like restructuring </span><span class=\"S83D S5B9 S2\" id=\"t9_25\">\u2013 </span><span class=\"S83E SA7 S2\" id=\"ta_25\">as </span><span class=\"S83F SA7 S2\" id=\"tb_25\">defined in guidelines of the Group </span><span class=\"S840 S5B9 S2\" id=\"tc_25\">\u2013 </span><span class=\"S841 SA7 S2\" id=\"td_25\">prolongation, renewal with unchanged terms, renewal with shorter terms and </span><span class=\"S842 SA7 S2\" id=\"te_25\">prescribing capital repaymen</span><span class=\"S843 S5B9 S2\" id=\"tf_25\">t rate, if it doesn\u2019t exist or has not been earlier. </span><span class=\"S844 SA7 S2\" id=\"tg_25\">The changes of net present value should be calculated on portfolio level in case of retail exposures. Each retail </span><span class=\"S845 SA7 S2\" id=\"th_25\">contract is restructured based on restructuring frameworks. The Group has to evaluate these frameworks (and not </span><span class=\"S846 SA7 S2\" id=\"ti_25\">individual contracts). The changes of net present value should be calculated individually on contract level in case </span><span class=\"S847 SA7 S2\" id=\"tj_25\">of corporate portfolio. </span><span class=\"S848 SA7 S2\" id=\"tk_25\">Among the possible contract amendments, the Group considers as a derecognition and a new recognition when the </span><span class=\"S849 SA7 S2\" id=\"tl_25\">discounted present value </span><span class=\"S84A S5B9 S2\" id=\"tm_25\">\u2013 </span><span class=\"S84B SA7 S2\" id=\"tn_25\">discounted at the original effective interest rate </span><span class=\"S84C S5B9 S2\" id=\"to_25\">\u2013 </span><span class=\"S84D SA7 S2\" id=\"tp_25\">of the cash flows under the new terms </span><span class=\"S84E SA7 S2\" id=\"tq_25\">is at least 10 per cent different from the discounted present value of the remaining cash flows. In case of </span><span class=\"S84F SA7 S2\" id=\"tr_25\">derecognition and new recognition the unamortized fees of the derecognized asset should be presented as Income </span><span class=\"S850 SA7 S2\" id=\"ts_25\">similar to interest income. The newly recognized financial asset is initially measured at fair value and is placed in </span><span class=\"S851 SA7 S2\" id=\"tt_25\">stage 1 if the derecognized financial asset was in stage 1 or stage 2 portfolio. The newly recognized financial asset </span><span class=\"S852 S5B9 S2\" id=\"tu_25\">will be purchased or originated credit impaired financial asset (\u201cPOCI\u201d) if the derecognized financial asset was in </span><span class=\"S853 SA7 S2\" id=\"tv_25\">stage 3 portfolio or it was POCI. </span><span class=\"S854 SA7 S2\" id=\"tw_25\">The modification gain or loss shall be calculated at each contract amendments unless they are handled as a </span><span class=\"S855 SA7 S2\" id=\"tx_25\">derecognition and new recognition. In case of modification the Group recalculates the gross carrying amount of </span><span class=\"S856 SA7 S2\" id=\"ty_25\">the financial asset. To do this, the new contractual cash flows </span><span class=\"S857 S5B9 S2\" id=\"tz_25\">should be discounted using the financial asset\u2019s </span><span class=\"S858 SA7 S2\" id=\"t10_25\">original effective interest rate (or credit-adjusted effective interest rate for POCI financial asset). Any costs or fees </span><span class=\"S859 SA7 S2\" id=\"t11_25\">incurred adjust the carrying amount of the modified financial asset are amortized over the remaining term of the </span><span class=\"S85A SA7 S2\" id=\"t12_25\">modified financial asset. </span><span class=\"S85B SB S2\" id=\"t13_25\">2.13. </span><span class=\"S85C SB S2\" id=\"t14_25\">Purchased or originated credit impaired financial assets </span><span class=\"S85D SA7 S2\" id=\"t15_25\">Purchased or originated financial assets are credit-impaired on initial recognition. A financial asset is credit- </span><span class=\"S85E SA7 S2\" id=\"t16_25\">impaired when one or more events that have a detrimental impact on the estimated future cash flows of that </span><span class=\"S85F SA7 S2\" id=\"t17_25\">financial asset have occurred. </span><span class=\"S860 SA7 S2\" id=\"t18_25\">A purchased credit-impaired asset is likely to be acquired at a deep discount. In unusual circumstances, it may be </span><span class=\"S861 SA7 S2\" id=\"t19_25\">possible that an entity originates a credit-impaired asset, for example, following a substantial modification of a </span><span class=\"S862 SA7 S2\" id=\"t1a_25\">distressed financial asset that resulted in the derecogniton of the original financial asset. </span><span class=\"S863 SA7 S2\" id=\"t1b_25\">In the case of POCI financial assets, interest income is always recognized by applying the credit-adjusted effective </span><span class=\"S864 SA7 S2\" id=\"t1c_25\">interest rate. </span><span class=\"S7FC SA7 S2\" id=\"t1d_25\">For POCI financial assets, in subsequent reporting periods an entity is required to recognize: </span><span class=\"S865 SA7 S2\" id=\"t1e_25\">- </span><span class=\"S866 SA7 S2\" id=\"t1f_25\">the cumulative changes in lifetime expected credit losses since initial recognition as a loss allowance, </span><span class=\"S867 SA7 S2\" id=\"t1g_25\">- </span><span class=\"S868 SA7 S2\" id=\"t1h_25\">the impairment gain or loss which is the amount of any change in lifetime expected credit losses. </span><span class=\"S869 SA7 S2\" id=\"t1i_25\">An impairment gain is recognized (with the parallel increase of the net amortized cost of receivable) if due </span><span class=\"S86A SA7 S2\" id=\"t1j_25\">to the favourable changes after initial recognition the lifetime expected credit loss estimation is becoming </span><span class=\"S86B SA7 S2\" id=\"t1k_25\">lower than the original estimated credit losses at initial recognition. </span><span class=\"S86C S5B9 S2\" id=\"t1l_25\">The POCI qualification remains from initial recognition to derecognition in the Group\u2019s books. </span><span class=\"S86D SB S2\" id=\"t5_26\">2.14. Loss allowance </span><span class=\"S86E SA7 S2\" id=\"t6_26\">A loss allowance for loans and placements with other banks and repo receivables is recognized by the Group based </span><span class=\"S86F SA7 S2\" id=\"t7_26\">on the expected credit loss model in accordance with IFRS 9. Based on the three-stage model the recognized loss </span><span class=\"S870 SA7 S2\" id=\"t8_26\">allowance equals to 12-month expected credit loss from the initial recognition. On financial assets with </span><span class=\"S871 SA7 S2\" id=\"t9_26\">significantly increased credit risk or credit impaired financial assets (based on objective evidence) the recognized </span><span class=\"S872 SA7 S2\" id=\"ta_26\">loss allowance is the lifetime expected credit loss. </span><span class=\"S873 SA7 S2\" id=\"tb_26\">In the case of purchased or originated credit impaired financial assets, a loss allowance is recognized in the amount </span><span class=\"S874 SA7 S2\" id=\"tc_26\">of the lifetime expected credit loss since initial recognition. The impairment gain in the Consolidated Statement </span><span class=\"S875 SA7 S2\" id=\"td_26\">of Profit or Loss is recognized if lifetime expected credit loss for purchased or originated credit impaired financial </span><span class=\"S5C4 SA7 S2\" id=\"te_26\">assets at measurement date is less than the estimated credit loss at initial recognition. </span><span class=\"S876 S5B9 S2\" id=\"tf_26\">A loss allowance for loans and placements with other banks and repo receivables represents Management\u2019s </span><span class=\"S877 SA7 S2\" id=\"tg_26\">assessment for potential losses in relation to these activities. </span><span class=\"S878 SA7 S2\" id=\"th_26\">Loss allowance for loan and placements are determined at a level that provides coverage for individually identified </span><span class=\"S879 SA7 S2\" id=\"ti_26\">credit losses. For loans for which it is not possible to determine the amount of the individually identified credit </span><span class=\"S87A SA7 S2\" id=\"tj_26\">loss in the absence of objective evidence, a collective impairment loss is recognized. With this, the Group reduces </span><span class=\"S87B SA7 S2\" id=\"tk_26\">the carrying amount of financial asset portfolios with similar credit risk characteristics to the amount expected to </span><span class=\"S87C SA7 S2\" id=\"tl_26\">be recovered based on historical loss experience. </span><span class=\"S87D SA7 S2\" id=\"tm_26\">At subsequent measurement the Group rec</span><span class=\"S87E S5B9 S2\" id=\"tn_26\">ognizes an impairment gain or loss through \u201cImpairment gain on POCI </span><span class=\"S87F S5B9 S2\" id=\"to_26\">loans\u201d in the Consolidated Statement of Profit or Loss as part of \u201cRisk cost\u201d line as an amount of expected credit </span><span class=\"S880 SA7 S2\" id=\"tp_26\">losses or reversal which is required to adjust the loss allowance at the reporting date to the amount that is required </span><span class=\"S881 SA7 S2\" id=\"tq_26\">to be recognized in accordance with IFRS 9. If the reason for the impairment no longer exist the impairment is </span><span class=\"S882 SA7 S2\" id=\"tr_26\">released in the Consolidated Statement of Profit or Loss for the current period. </span><span class=\"S883 SA7 S2\" id=\"ts_26\">If a financial asset, for which previously there were no indicators of significant increase in credit risk (i.e. classified </span><span class=\"S884 SA7 S2\" id=\"tt_26\">in Stage 1) is subsequently classified in Stage 2 or Stage 3 then loss allowance is adjusted to lifetime expected </span><span class=\"S885 SA7 S2\" id=\"tu_26\">credit loss. If a financial asset, which was previously classified in Stage 2 or Stage 3 is subsequently classified in </span><span class=\"S827 SA7 S2\" id=\"tv_26\">Stage 1 then the loss allowance is adjusted to the level of 12 month expected credit loss. </span><span class=\"S886 SB S2\" id=\"tw_26\">Classification into risk classes </span><span class=\"S887 SA7 S2\" id=\"tx_26\">According to the requirements of the IFRS9 the Group classifies the financial assets measured at amortized cost, </span><span class=\"S888 SA7 S2\" id=\"ty_26\">at fair value through other comprehensive income and loan commitments and financial guarantees into the </span><span class=\"S762 SA7 S2\" id=\"tz_26\">following stages: </span><span class=\"S889 S602 S2\" id=\"t10_26\">\u2022 </span><span class=\"S88A SA7 S2\" id=\"t11_26\">Stage 1 </span><span class=\"S88B S5B9 S2\" id=\"t12_26\">\u2013 </span><span class=\"S88C SA7 S2\" id=\"t13_26\">performing financial instruments without significant increase in credit risk since initial </span><span class=\"S88D SA7 S2\" id=\"t14_26\">recognition </span><span class=\"S88E S602 S2\" id=\"t15_26\">\u2022 </span><span class=\"S88F SA7 S2\" id=\"t16_26\">Stage 2 </span><span class=\"S890 S5B9 S2\" id=\"t17_26\">\u2013 </span><span class=\"S891 SA7 S2\" id=\"t18_26\">performing financial instruments with significant increase in credit risk since initial recognition </span><span class=\"S892 SA7 S2\" id=\"t19_26\">but not credit-impaired </span><span class=\"S893 S602 S2\" id=\"t1a_26\">\u2022 </span><span class=\"S894 SA7 S2\" id=\"t1b_26\">Stage 3 </span><span class=\"S895 S5B9 S2\" id=\"t1c_26\">\u2013 </span><span class=\"S896 SA7 S2\" id=\"t1d_26\">non-performing, credit-impaired financial instruments </span><span class=\"S897 S602 S2\" id=\"t1e_26\">\u2022 </span><span class=\"S898 SA7 S2\" id=\"t1f_26\">POCI </span><span class=\"S899 S5B9 S2\" id=\"t1g_26\">\u2013 </span><span class=\"S89A SA7 S2\" id=\"t1h_26\">purchased or originated credit impaired </span><span class=\"S89B SA7 S2\" id=\"t1i_26\">In the case of trade receivables the Group applies the simplified approach and calculates only lifetime expected </span><span class=\"S89C SA7 S2\" id=\"t1j_26\">credit loss. The simplified approach is the following: </span><span class=\"S89D S6E3 S2\" id=\"t1k_26\">- </span><span class=\"S89E SA7 S2\" id=\"t1l_26\">for the past 3 years the average annual balance of receivables under simplified approach is calculated, </span><span class=\"S89F S6E3 S2\" id=\"t1m_26\">- </span><span class=\"S8A0 SA7 S2\" id=\"t1n_26\">the written-off receivables under simplified approach are determined in the past 3 years, </span><span class=\"S8A1 S6E3 S2\" id=\"t1o_26\">- </span><span class=\"S8A2 SA7 S2\" id=\"t1p_26\">historical losses are adjusted to reflect information about current conditions and reasonable forecasts of </span><span class=\"S8A3 SA7 S2\" id=\"t1q_26\">future economic conditions, </span><span class=\"S8A4 S6E3 S2\" id=\"t1r_26\">- </span><span class=\"S8A5 SA7 S2\" id=\"t1s_26\">the loss allowance ratio is the sum of the written-off amounts divided by the sum of the average balances, </span><span class=\"S8A6 S6E3 S2\" id=\"t1t_26\">- </span><span class=\"S8A7 SA7 S2\" id=\"t1u_26\">the loss allowance is multiplied by the end-of-year balance, it is the actual loss allowance on these </span><span class=\"S8A8 SA7 S2\" id=\"t1v_26\">receivables, </span><span class=\"S8A9 S6E3 S2\" id=\"t1w_26\">- </span><span class=\"S8AA SA7 S2\" id=\"t1x_26\">loss allowance should be recalculated annually. </span><span class=\"S8AB SB S2\" id=\"t5_27\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_27\">Classification into risk classes [continued] </span><span class=\"S8AD SA7 S2\" id=\"t7_27\">The Group assumes that the credit risk on a financial instrument has not increased significantly since initial </span><span class=\"S8AE SA7 S2\" id=\"t8_27\">recognition if the financial asset is determined to have low credit risk at the reporting date. This might occur if the </span><span class=\"S8AF SA7 S2\" id=\"t9_27\">financial asset has a low risk of default, the borrower has a strong capacity to meet its contractual cash flow </span><span class=\"S8B0 SA7 S2\" id=\"ta_27\">obligations in the near term and adverse changes in economic and business conditions in the longer term may, but </span><span class=\"S8B1 SA7 S2\" id=\"tb_27\">will not necessarily, reduce the ability of the borrower to fulfil its contractual cash flow obligations. The Group </span><span class=\"S8B2 SA7 S2\" id=\"tc_27\">considers sovereign exposures as having low credit risk. </span><span class=\"S8B3 SA7 S2\" id=\"td_27\">Stage 1: financial instruments for which the events and conditions specified in respect of Stage 2 and Stage 3 do </span><span class=\"S8B4 SA7 S2\" id=\"te_27\">not exist on the reporting date. </span><span class=\"S8B5 SA7 S2\" id=\"tf_27\">A client or loan must be qualified as default if one or both the following two conditions occur: </span><span class=\"S8B6 S602 S2\" id=\"tg_27\">\u2022 </span><span class=\"S8B7 SA7 S2\" id=\"th_27\">The client delays more than 90 days. This is considered a hard trigger. </span><span class=\"S8B8 S602 S2\" id=\"ti_27\">\u2022 </span><span class=\"S8B9 SA7 S2\" id=\"tj_27\">There is reasonable probability that the client will not pay all of its obligation. This condition is examined </span><span class=\"S8BA SA7 S2\" id=\"tk_27\">on the basis of probability criteria of default. </span><span class=\"S8BB SA7 S2\" id=\"tl_27\">The subject of default qualification is that exposure (on-balance and off-balance) which originates credit risk (so </span><span class=\"S8BC SA7 S2\" id=\"tm_27\">originated from loan commitments, risk-taking contracts). </span><span class=\"S8BD SA7 S2\" id=\"tn_27\">A financial instrument shows significant increase in credit risk, and is allocated to Stage 2, if in respect of which </span><span class=\"S8BE SA7 S2\" id=\"to_27\">any of the following triggers exist on the reporting date, without fulfilling any of the conditions for the allocation </span><span class=\"S8BF SA7 S2\" id=\"tp_27\">to the non-performing stage (stage 3): </span><span class=\"S8C0 S602 S2\" id=\"tq_27\">\u2022 </span><span class=\"S8C1 SA7 S2\" id=\"tr_27\">the payment delay exceeds 30 days, </span><span class=\"S8C2 S602 S2\" id=\"ts_27\">\u2022 </span><span class=\"S8C3 SA7 S2\" id=\"tt_27\">it is classified as performing forborne, </span><span class=\"S8C4 S602 S2\" id=\"tu_27\">\u2022 </span><span class=\"S8C5 SA7 S2\" id=\"tv_27\">based on individual decision, its currency suffered a significant \"shock\" since the disbursement of the loan, </span><span class=\"S8C6 S602 S2\" id=\"tw_27\">\u2022 </span><span class=\"S8C7 SA7 S2\" id=\"tx_27\">the transaction/client rating exceeds a predefined value or falls into a determined range, or compared to the </span><span class=\"S8C8 SA7 S2\" id=\"ty_27\">historic value it deteriorates to a predefined degree, </span><span class=\"S8C9 S602 S2\" id=\"tz_27\">\u2022 </span><span class=\"S8CA SA7 S2\" id=\"t10_27\">in the case retail mortgage loans, the loan-to-value ratio exceeds a predefined rate, </span><span class=\"S8CB S602 S2\" id=\"t11_27\">\u2022 </span><span class=\"S8CC SA7 S2\" id=\"t12_27\">default on another loan of the retail client, if no cross-default exists, </span><span class=\"S8CD S602 S2\" id=\"t13_27\">\u2022 </span><span class=\"S8CE SA7 S2\" id=\"t14_27\">monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8CF S6E3 S2\" id=\"t15_27\">- </span><span class=\"S8D0 SA7 S2\" id=\"t16_27\">financial difficulties at the debtor (capital adequacy, liquidity, deterioration of the instrument quality), </span><span class=\"S8D1 S6E3 S2\" id=\"t17_27\">- </span><span class=\"S8D2 SA7 S2\" id=\"t18_27\">significant decrease of the liquidity or the activity on the active market of the financial instrument can </span><span class=\"S8D3 SA7 S2\" id=\"t19_27\">be observed, </span><span class=\"S8D4 S6E3 S2\" id=\"t1a_27\">- </span><span class=\"S8D5 SA7 S2\" id=\"t1b_27\">the rating of the client reflects high risk, but it is better than the default one, </span><span class=\"S8D6 S6E3 S2\" id=\"t1c_27\">- </span><span class=\"S8D7 SA7 S2\" id=\"t1d_27\">significantly decrease in the value of the recovery from which the debtor would disburse the loan, </span><span class=\"S8D8 S6E3 S2\" id=\"t1e_27\">- </span><span class=\"S8D9 SA7 S2\" id=\"t1f_27\">clients under liquidation. </span><span class=\"S8DA SA7 S2\" id=\"t1g_27\">A financial instrument is non-performing and it is allocated to Stage 3 when any of the following events or </span><span class=\"S8DB SA7 S2\" id=\"t1h_27\">conditions exists on the reporting date: </span><span class=\"S8DC S602 S2\" id=\"t1i_27\">\u2022 </span><span class=\"S8DD SA7 S2\" id=\"t1j_27\">default (based on the group level default definition), </span><span class=\"S8DE S602 S2\" id=\"t1k_27\">\u2022 </span><span class=\"S8DF SA7 S2\" id=\"t1l_27\">classified as non-performing forborne (based on the group level forborne definition), </span><span class=\"S8E0 S602 S2\" id=\"t1m_27\">\u2022 </span><span class=\"S8E1 SA7 S2\" id=\"t1n_27\">the monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8E2 SA7 S2\" id=\"t1o_27\">level (including but not limited to): </span><span class=\"S8E3 S6E3 S2\" id=\"t1p_27\">- </span><span class=\"S8E4 SA7 S2\" id=\"t1q_27\">breaching of contracts, </span><span class=\"S8E5 S6E3 S2\" id=\"t1r_27\">- </span><span class=\"S8E6 SA7 S2\" id=\"t1s_27\">significant financial difficulties of the debtor (like capital adequacy, liquidity, deterioration of the </span><span class=\"S8E7 SA7 S2\" id=\"t1t_27\">instrument quality), </span><span class=\"S8E8 S6E3 S2\" id=\"t1u_27\">- </span><span class=\"S8E9 SA7 S2\" id=\"t1v_27\">bankruptcy, liquidation, debt settlement processes against debtor, </span><span class=\"S8EA S6E3 S2\" id=\"t1w_27\">- </span><span class=\"S8EB SA7 S2\" id=\"t1x_27\">forced strike-off started against debtor, </span><span class=\"S8EC S6E3 S2\" id=\"t1y_27\">- </span><span class=\"S8ED SA7 S2\" id=\"t1z_27\">termination of loan contract by the Bank, </span><span class=\"S8EE S6E3 S2\" id=\"t20_27\">- </span><span class=\"S8EF SA7 S2\" id=\"t21_27\">occurrence of fraud event, </span><span class=\"S8F0 S6E3 S2\" id=\"t22_27\">- </span><span class=\"S8F1 SA7 S2\" id=\"t23_27\">termination of the active market of the financial instrument. </span><span class=\"S8AB SB S2\" id=\"t5_28\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_28\">Classification into risk classes [continued] </span><span class=\"S8F2 SA7 S2\" id=\"t7_28\">If the exposure is no longer considered as credit impaired, the Group allocates this exposure to Stage 2. </span><span class=\"S6EA SA7 S2\" id=\"t8_28\">When loss allowance is calculated at exposures categorized into stages the following process is needed by stages: </span><span class=\"S8F3 S602 S2\" id=\"t9_28\">\u2022 </span><span class=\"S8F4 SA7 S2\" id=\"ta_28\">Stage 1 (performing): loss allowance at an amount equal to 12-month expected credit loss should be </span><span class=\"S8F5 SA7 S2\" id=\"tb_28\">recognized, </span><span class=\"S8F6 S602 S2\" id=\"tc_28\">\u2022 </span><span class=\"S8F7 SA7 S2\" id=\"td_28\">Stage 2 (significant increase in credit risk): loss allowance at an amount equal to lifetime expected credit </span><span class=\"S8F8 SA7 S2\" id=\"te_28\">loss should be recognized, </span><span class=\"S8F9 S602 S2\" id=\"tf_28\">\u2022 </span><span class=\"S8FA SA7 S2\" id=\"tg_28\">Stage 3 (non-performing): loss allowance at an amount equal to lifetime expected credit loss should be </span><span class=\"S8FB SA7 S2\" id=\"th_28\">recognized. </span><span class=\"S8FC SA7 S2\" id=\"ti_28\">For lifetime expected credit losses, an entity shall estimate the risk of a default occurring on the financial </span><span class=\"S8FD SA7 S2\" id=\"tj_28\">instrument during its expected life. 12-month expected credit losses are a portion of the lifetime expected credit </span><span class=\"S8FE SA7 S2\" id=\"tk_28\">losses and represent the lifetime cash shortfalls that will result if a default occurs in the 12 months after the </span><span class=\"S8FF SA7 S2\" id=\"tl_28\">reporting date (or a shorter period if the expected life of a financial instrument is less than 12 months), weighted </span><span class=\"S900 SA7 S2\" id=\"tm_28\">by the probability of that default occurring. </span><span class=\"S901 SA7 S2\" id=\"tn_28\">An entity shall measure expected credit losses of a financial instrument in a way that reflects: </span><span class=\"S902 SA7 S2\" id=\"to_28\">- </span><span class=\"S903 SA7 S2\" id=\"tp_28\">an unbiased and probability-weighted amount that is determined by evaluating a range of possible </span><span class=\"S904 SA7 S2\" id=\"tq_28\">outcomes </span><span class=\"S905 SA7 S2\" id=\"tr_28\">- </span><span class=\"S906 SA7 S2\" id=\"ts_28\">the time value of money and </span><span class=\"S907 SA7 S2\" id=\"tt_28\">- </span><span class=\"S908 SA7 S2\" id=\"tu_28\">reasonable and supportable information that is available without undue cost or effort at the reporting date </span><span class=\"S909 SA7 S2\" id=\"tv_28\">about past events, current conditions and forecasts of future economic conditions. </span><span class=\"S90A SB S2\" id=\"tw_28\">2.15. </span><span class=\"S90B SB S2\" id=\"tx_28\">Sale and repurchase agreements, security lending </span><span class=\"S90C SA7 S2\" id=\"ty_28\">Where debt or equity securities are sold under a commitment to repurchase them at a pre-determined price, they </span><span class=\"S90D SA7 S2\" id=\"tz_28\">remain on the Consolidated Statement of Financial Position and the consideration received is recorded in Other </span><span class=\"S90E SA7 S2\" id=\"t10_28\">liabilities or Amounts due to banks, the National Governments, deposits from the National Banks and other banks. </span><span class=\"S90F SA7 S2\" id=\"t11_28\">Conversely, debt or equity securities purchased under a commitment to resell are not recognized in the </span><span class=\"S910 SA7 S2\" id=\"t12_28\">Consolidated Statement of Financial Position and the consideration paid is recorded either in Placements with </span><span class=\"S911 SA7 S2\" id=\"t13_28\">other banks or Deposits from customers. Interest is accrued based on the effective interest method evenly over the </span><span class=\"S912 SA7 S2\" id=\"t14_28\">life of the repurchase agreement. </span><span class=\"S913 SA7 S2\" id=\"t15_28\">In the case of security lending transactions, the Group does not recognize or derecognize the securities because </span><span class=\"S914 SA7 S2\" id=\"t16_28\">believes that the transferor retains substantially all the risks and rewards of the ownership of the securities. Only a </span><span class=\"S915 SA7 S2\" id=\"t17_28\">financial liability or financial receivable is recognized for the consideration amount. </span><span class=\"S916 SB S2\" id=\"t18_28\">2.16. </span><span class=\"S917 SB S2\" id=\"t19_28\">Associates and other investments </span><span class=\"S918 SA7 S2\" id=\"t1a_28\">Companies where the Bank has the ability to exercise significant influence are accounted for using the equity </span><span class=\"S919 SA7 S2\" id=\"t1b_28\">method. Subsidiaries and associated companies that were not accounted for using the equity method and other </span><span class=\"S91A SA7 S2\" id=\"t1c_28\">investments where the Bank does not hold a significant interest are recorded according to IFRS 9. When an </span><span class=\"S91B SA7 S2\" id=\"t1d_28\">investment in an associate is held indirectly through an entity that is a venture capital fund, the Group elects to </span><span class=\"S91C SA7 S2\" id=\"t1e_28\">measure these investments in the associate at fair value through profit or loss in accordance with IFRS 9. </span><span class=\"S91D SA7 S2\" id=\"t1f_28\">Under the equity method, the investment is initially recognized at cost, and the carrying amount is adjusted </span><span class=\"S91E SA7 S2\" id=\"t1g_28\">subsequently for: </span><span class=\"S91F SA7 S2\" id=\"t1h_28\">- </span><span class=\"S920 S5B9 S2\" id=\"t1i_28\">the Group\u2019s share of the post</span><span class=\"S921 SA7 S2\" id=\"t1j_28\">-</span><span class=\"S922 S5B9 S2\" id=\"t1k_28\">acquisition profits or losses of the investee, which are recognized in the Group\u2019s </span><span class=\"S923 SA7 S2\" id=\"t1l_28\">Consolidated Statement of Profit or Loss; and </span><span class=\"S924 SA7 S2\" id=\"t1m_28\">- </span><span class=\"S925 SA7 S2\" id=\"t1n_28\">the distributions received from the investee, which reduce the carrying amount of the investment. </span><span class=\"S926 SB S2\" id=\"t5_29\">2.16.  Associates and other investments [continued] </span><span class=\"S927 S5B9 S2\" id=\"t6_29\">The Group\u2019s share of the profits or losses of the investee, or other changes in the investee\u2019s equi </span><span class=\"S928 SA7 S2\" id=\"t7_29\">ty, is determined </span><span class=\"S68A S5B9 S2\" id=\"t8_29\">on the basis of its proportionate ownership interest. The Group recognizes its share of the investee\u2019s income and </span><span class=\"S8F2 SA7 S2\" id=\"t9_29\">losses based on the percentage of the equity interest owned by the Group. </span><span class=\"S929 SA7 S2\" id=\"ta_29\">Gains and losses on the sale of investments are determined based on the specific identification of the cost of each </span><span class=\"S92A SA7 S2\" id=\"tb_29\">investment. </span><span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span><span class=\"S96B SB S2\" id=\"t5_30\">2.18. Inventories </span><span class=\"S96C SA7 S2\" id=\"t6_30\">Inventories are measured at the lower of cost and net realisable value. The cost of inventories comprises all costs </span><span class=\"S96D SA7 S2\" id=\"t7_30\">of purchase, costs of conversion and other costs incurred in bringing the inventories to their present location and </span><span class=\"S96E SA7 S2\" id=\"t8_30\">condition. </span><span class=\"S5C0 SA7 S2\" id=\"t9_30\">The Group uses generally FIFO formulas to the measurement of inventories. </span><span class=\"S96F SA7 S2\" id=\"ta_30\">Inventories are removed from books when they are sold, unusable or destroyed. When inventories are sold, the </span><span class=\"S970 SA7 S2\" id=\"tb_30\">carrying amount of those inventories are recognized as an expense in the period in which the related revenue is </span><span class=\"S971 SA7 S2\" id=\"tc_30\">recognized. </span><span class=\"S972 SA7 S2\" id=\"td_30\">Repossessed assets are classified as inventories. The Group's policy is to sell repossessed assets and not to use </span><span class=\"S973 SA7 S2\" id=\"te_30\">them for its internal operations. </span><span class=\"S974 SB S2\" id=\"tf_30\">2.19.  Government grants and government assistance </span><span class=\"S975 SA7 S2\" id=\"tg_30\">The Group recognise government grants only when there is a reasonable assurance that the grant will be received, </span><span class=\"S976 SA7 S2\" id=\"th_30\">and all attached conditions will be complied with. </span><span class=\"S977 SA7 S2\" id=\"ti_30\">The Group presents grants relating to assets as deferred income in the Consolidated Statement of Financial </span><span class=\"S978 SA7 S2\" id=\"tj_30\">Position, which is recognized in profit or loss on a systematic basis over the useful life of the asset. </span><span class=\"S979 SA7 S2\" id=\"tk_30\">Grants related to an expense item are recorded as another operating income in those periods when the related costs </span><span class=\"S97A SA7 S2\" id=\"tl_30\">were recognized. </span><span class=\"S97B SB S2\" id=\"tm_30\">2.20. Financial liabilities </span><span class=\"S97C SA7 S2\" id=\"tn_30\">The financial liabilities are presented within these lines in the Consolidated Financial Statements: </span><span class=\"S97D SA7 S2\" id=\"to_30\">- </span><span class=\"S97E SA7 S2\" id=\"tp_30\">Amount due to banks, the National Governments, deposits from the National Banks and other banks </span><span class=\"S97F SA7 S2\" id=\"tq_30\">- </span><span class=\"S980 SA7 S2\" id=\"tr_30\">Repo liabilities </span><span class=\"S981 SA7 S2\" id=\"ts_30\">- </span><span class=\"S982 SA7 S2\" id=\"tt_30\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S983 SA7 S2\" id=\"tu_30\">- </span><span class=\"S984 SA7 S2\" id=\"tv_30\">Deposits from customers </span><span class=\"S985 SA7 S2\" id=\"tw_30\">- </span><span class=\"S986 SA7 S2\" id=\"tx_30\">Liabilities from issued securities </span><span class=\"S987 SA7 S2\" id=\"ty_30\">- </span><span class=\"S988 SA7 S2\" id=\"tz_30\">Derivative financial liabilities held for trading </span><span class=\"S989 SA7 S2\" id=\"t10_30\">- </span><span class=\"S98A SA7 S2\" id=\"t11_30\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S98B SA7 S2\" id=\"t12_30\">- </span><span class=\"S98C SA7 S2\" id=\"t13_30\">Other financial liabilities </span><span class=\"S98D SA7 S2\" id=\"t14_30\">At initial recognition, the Group measures financial liabilities at fair value plus or minus </span><span class=\"S98E S5B9 S2\" id=\"t15_30\">\u2013 </span><span class=\"S98F SA7 S2\" id=\"t16_30\">in the case of a financial </span><span class=\"S990 SA7 S2\" id=\"t17_30\">liability not at fair value through profit or loss </span><span class=\"S991 S5B9 S2\" id=\"t18_30\">\u2013 </span><span class=\"S992 SA7 S2\" id=\"t19_30\">transaction costs that are directly attributable to the acquisition or </span><span class=\"S993 SA7 S2\" id=\"t1a_30\">issue of the financial liability. </span><span class=\"S994 SA7 S2\" id=\"t1b_30\">Usually, the initial fair value of financial liabilities equals to transaction value. However, when the amounts are </span><span class=\"S995 SA7 S2\" id=\"t1c_30\">not equal, the initial fair value difference should be recognized. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span><span class=\"S99B SA7 S2\" id=\"t1i_30\">Financial liabilities at fair value through profit or loss are either financial liabilities held for trading or they are </span><span class=\"S99C SA7 S2\" id=\"t1j_30\">designated upon initial recognition as at fair value through profit or loss. </span><span class=\"S99D SA7 S2\" id=\"t1k_30\">In connection to the derivative financial liabilities measured at fair value through profit or loss, the Group presents </span><span class=\"S99E SA7 S2\" id=\"t1l_30\">the amount of change in their fair value originated from the changes of market conditions and business </span><span class=\"S99F SA7 S2\" id=\"t1m_30\">environment. </span><span class=\"S9A0 SA7 S2\" id=\"t1n_30\">The Group designated some financial liabilities upon initial recognition to measure at fair value through profit or </span><span class=\"S9A1 SA7 S2\" id=\"t1o_30\">loss. This classification eliminates or significantly reduces a measurement or recognition inconsistency that would </span><span class=\"S9A2 SA7 S2\" id=\"t1p_30\">otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases </span><span class=\"S9A3 S5B9 S2\" id=\"t1q_30\">(\u201caccounting mismatch\u201d). </span><span class=\"S9A4 SA7 S2\" id=\"t1r_30\">The changes in fair value of these liabilities are recognized in profit or loss, except the </span><span class=\"S9A5 SA7 S2\" id=\"t1s_30\">fair value changes attributable to credit risk which are recognized among other comprehensive income. </span><span class=\"S7D9 SB S2\" id=\"t5_31\">2.20. </span><span class=\"S9A7 SB S2\" id=\"t6_31\">Financial liabilities [continued] </span><span class=\"S9A8 SA7 S2\" id=\"t7_31\">In the case of financial liabilities measured at amortized cost fees and commissions related to the origination of </span><span class=\"S9A9 SA7 S2\" id=\"t8_31\">the financial liability are recognized through profit or loss during the maturity of the instrument using effective </span><span class=\"S9AA SA7 S2\" id=\"t9_31\">interest method. In certain cases, the Group repurchases a part of financial liabilities (mainly issued securities or </span><span class=\"S9AB SA7 S2\" id=\"ta_31\">subordinated bonds) and the difference between the carrying amount of the financial liability and the amount paid </span><span class=\"S9AC SA7 S2\" id=\"tb_31\">for it is recognized in the net profit or loss for the period and included in other operating income. </span><span class=\"S9AD SB S2\" id=\"tc_31\">2.21. Leases </span><span class=\"S9AE SB S2\" id=\"td_31\">The Group as a lessor </span><span class=\"S9AF SA7 S2\" id=\"te_31\">Leases are classified as finance leases whenever the terms of the lease transfer substantially all the risks and </span><span class=\"S9B0 SA7 S2\" id=\"tf_31\">rewards of ownership to the lessee. All other leases are classified as operating leases. Lease classification is made </span><span class=\"S877 SA7 S2\" id=\"tg_31\">at the inception date and is reassessed only if there is a lease modification. </span><span class=\"S9B1 SB S2\" id=\"th_31\">Finance leases </span><span class=\"S9B2 SA7 S2\" id=\"ti_31\">At the commencement date, a lessor derecognizes the assets held under a finance lease in the Consolidated </span><span class=\"S9B3 SA7 S2\" id=\"tj_31\">Statement of Financial Position and present them as a receivable at an amount equal to the net investment in the </span><span class=\"S9B4 SA7 S2\" id=\"tk_31\">lease. The lessor shall use the interest rate implicit in the lease to measure the net investment in the lease. Direct </span><span class=\"S9B5 SA7 S2\" id=\"tl_31\">costs such as commissions are included in the initial measurement of the finance lease receivables. </span><span class=\"S9B6 SA7 S2\" id=\"tm_31\">The Group as a lessor recognizes finance income over the lease term, based on a pattern reflecting a constant </span><span class=\"S9B7 S5B9 S2\" id=\"tn_31\">periodic rate of return on the Group\u2019s net investment in the lease. The Group applies the lease payments relating </span><span class=\"S9B8 SA7 S2\" id=\"to_31\">to the period against the gross investment in the lease to reduce both the principal and the unearned finance income. </span><span class=\"S9B9 SA7 S2\" id=\"tp_31\">The Group applies the derecognition and impairment requirements in IFRS 9 to the net investment in the lease (for </span><span class=\"S9BA SA7 S2\" id=\"tq_31\">more details, see Note 2.14.). </span><span class=\"S9BB SB S2\" id=\"tr_31\">Operating leases </span><span class=\"S9BC SA7 S2\" id=\"ts_31\">The Group as a lessor recognizes lease payments from operating leases as income on either a straight-line basis or </span><span class=\"S9BD SA7 S2\" id=\"tt_31\">another systematic basis. </span><span class=\"S9BE SA7 S2\" id=\"tu_31\">Costs, including depreciation, incurred in earning the lease income are recognized as an </span><span class=\"S9BF SA7 S2\" id=\"tv_31\">expense. </span><span class=\"S9C0 SA7 S2\" id=\"tw_31\">Initial direct costs incurred in obtaining an operating lease are added to the carrying amount of the underlying asset </span><span class=\"S9C1 SA7 S2\" id=\"tx_31\">and recognized as an expense over the lease term on the same basis as the lease income. </span><span class=\"S9C2 S5B9 S2\" id=\"ty_31\">The depreciation policy for depreciable underlying assets subject to operating leases is consistent with the Group\u2019s </span><span class=\"S9C3 SA7 S2\" id=\"tz_31\">normal depreciation policy for similar assets. The Group accounts for a modification to an operating lease as a </span><span class=\"S9C4 SA7 S2\" id=\"t10_31\">new lease from the effective date of the modification, considering any prepaid or accrued lease payments relating </span><span class=\"S9C5 SA7 S2\" id=\"t11_31\">to the original lease as part of the lease payments for the new lease. </span><span class=\"S9C6 SB S2\" id=\"t12_31\">The Group as a  lessee </span><span class=\"S9C7 SA7 S2\" id=\"t13_31\">The Group recognizes a right-of-use asset and a lease liability at the commencement of the lease term except for </span><span class=\"S9C8 SA7 S2\" id=\"t14_31\">short-term leases and leases, where the underlying asset is of low value (less than USD 5,000). For these leases, </span><span class=\"S9C9 SA7 S2\" id=\"t15_31\">the Group recognizes the lease payments as an expense on either a straight-line basis over the lease term or another </span><span class=\"S9CA S5B9 S2\" id=\"t16_31\">systematic basis if that basis is more representative of the pattern of the lessee\u2019s benefit. </span><span class=\"S9CB SA7 S2\" id=\"t17_31\">Deferred tax implication if the Group is lessee: At the inception of the lease, there is no net lease asset or liability, </span><span class=\"S9CC SA7 S2\" id=\"t18_31\">no tax base and, therefore, no temporary difference. Subsequently, as depreciation on the right-of-use asset initially </span><span class=\"S9CD SA7 S2\" id=\"t19_31\">exceeds the rate at which the debt reduces, a net liability arises resulting in a deductible temporary difference on </span><span class=\"S9CE SA7 S2\" id=\"t1a_31\">which a deferred tax asset should be recognized if recoverable. Assuming that the lease liability is not repaid in </span><span class=\"S9CF SA7 S2\" id=\"t1b_31\">advance, the total discounted cash outflows should equal the total rental payments deductible for income tax </span><span class=\"S9D0 SA7 S2\" id=\"t1c_31\">purposes. </span><span class=\"S9D1 SB S2\" id=\"t5_32\">2.21.  Leases [continued] </span><span class=\"S7A5 SB S2\" id=\"t6_32\">Right-of-use asset </span><span class=\"S9D2 SA7 S2\" id=\"t7_32\">The right-of-use assets are presented separately in the Consolidated Statement of Financial Position and initially </span><span class=\"S9D3 SA7 S2\" id=\"t8_32\">measured at cost, subsequently the Group applies the cost model and these assets are depreciated on a straight line </span><span class=\"S9D4 SA7 S2\" id=\"t9_32\">basis from the commencement date to the earlier of the end of the useful life of the right-of-use asset or the end of </span><span class=\"S9D5 SA7 S2\" id=\"ta_32\">the lease term. If the lease transfers ownership of the underlying asset to the Group by the end of the lease term or </span><span class=\"S9D6 SA7 S2\" id=\"tb_32\">if the cost of the right-of-use asset reflects that the Group will exercise a purchase option, the right-of-use asset </span><span class=\"S5C3 SA7 S2\" id=\"tc_32\">are depreciated from the commencement date to the end of the useful life of the underlying asset. </span><span class=\"S9D7 SB S2\" id=\"td_32\">Lease liability </span><span class=\"S9D8 SA7 S2\" id=\"te_32\">At the commencement date, the lease liability is measured at the present value of the lease payments that are not </span><span class=\"S9D9 SA7 S2\" id=\"tf_32\">paid at that date discounted by using the rate implicit in the lease, or if this cannot be determined, by using the </span><span class=\"S9DA SA7 S2\" id=\"tg_32\">incremental borrowing rate of the Group.Variable lease payments that do not depend on an index or a rate but e.g. </span><span class=\"S9DB SA7 S2\" id=\"th_32\">on revenues or usage are recognized as an expense. The Group always separates the non-lease components of the </span><span class=\"S9DC SA7 S2\" id=\"ti_32\">lease contracts and accounts them as an expense. Lease payments must be included in the measurement of the </span><span class=\"S9DD SA7 S2\" id=\"tj_32\">lease liability without value added taxes. Non-deductible VAT is recognized as other expense. </span><span class=\"S9DE SA7 S2\" id=\"tk_32\">The lease liability is remeasured in the event of a reassessment of the lease liability or lease modification </span><span class=\"S9DF SB S2\" id=\"tl_32\">2.22. Investment properties </span><span class=\"S9E0 SA7 S2\" id=\"tm_32\">Investment properties of the Group are land, buildings, part of buildings which held (as the owner or as the lessee </span><span class=\"S9E1 SA7 S2\" id=\"tn_32\">under a finance lease) to earn rentals or for capital appreciation or both, rather than for use in the production or </span><span class=\"S9E2 SA7 S2\" id=\"to_32\">supply of services or for administrative purposes or sale in the ordinary course of business. The Group measures </span><span class=\"S9E3 SA7 S2\" id=\"tp_32\">the investment properties at cost less accumulated depreciation and impairment, if any. </span><span class=\"S9E4 SA7 S2\" id=\"tq_32\">The depreciable amount (book value less residual value) of the investment properties must be allocated over their </span><span class=\"S9E5 SA7 S2\" id=\"tr_32\">useful lives. The depreciation and amortization are computed using the straight-line method over the estimated </span><span class=\"S9E6 SA7 S2\" id=\"ts_32\">useful lives of the assets. </span><span class=\"S9E7 SA7 S2\" id=\"tt_32\">The Group discloses the fair value of the investment properties in Note 14 established mainly by external experts. </span><span class=\"S9E8 SB S2\" id=\"tu_32\">2.23. Share capital </span><span class=\"S9E9 SA7 S2\" id=\"tv_32\">Share capital is the capital determined in the Articles of Association and registered by the Budapest-Capital </span><span class=\"S9EA SA7 S2\" id=\"tw_32\">Regional Court. Share capital is the capital the Bank raised by issuing common stocks at the date the shares were </span><span class=\"S9EB SA7 S2\" id=\"tx_32\">issued. The amount of share capital has not changed over the current period. </span><span class=\"S9EC SB S2\" id=\"ty_32\">2.24. Treasury shares </span><span class=\"S9ED SA7 S2\" id=\"tz_32\">Treasury shares are shares which are purchased on the stock exchange and the over-the-counter market by the </span><span class=\"S9EE SA7 S2\" id=\"t10_32\">Bank and its subsidiaries and are presented in the Consolidated Statement of Financial Position at cost as a </span><span class=\"S9EF SA7 S2\" id=\"t11_32\">ded</span><span class=\"S9F0 S5B9 S2\" id=\"t12_32\">uction from Consolidated Shareholders\u2019 Equity. </span><span class=\"S9F1 S5B9 S2\" id=\"t13_32\">Gains and losses on the sale of treasury shares are credited or charged directly to shareholder\u2019s equity. </span><span class=\"S7D9 SB S2\" id=\"t5_33\">2.25. </span><span class=\"S9F2 SB S2\" id=\"t6_33\">Non-current assets held-for-sale and discontinued operations </span><span class=\"S9F3 SA7 S2\" id=\"t7_33\">A discontinued operation is a component of an entity that either has been disposed of or is classified as held-for- </span><span class=\"S9F4 SA7 S2\" id=\"t8_33\">sale. Hereinafter non-current assets classified as held-for-sale, disposal group and discontinued operations are </span><span class=\"S7A6 SA7 S2\" id=\"t9_33\">referred to as assets in accordance with IFRS 5. </span><span class=\"S9F5 SA7 S2\" id=\"ta_33\">The Group classifies assets under IFRS 5 if their carrying amount will be recovered principally through a sale </span><span class=\"S9F6 SA7 S2\" id=\"tb_33\">transaction rather than through continuing use. The Group does not account for an asset under IFRS 5 that has </span><span class=\"S9F7 SA7 S2\" id=\"tc_33\">been temporarily taken out of use as if it had been abandoned. </span><span class=\"S9F8 SA7 S2\" id=\"td_33\">The Group measures an asset under IFRS 5 at the lower of its carrying amount and fair value less costs to sell. </span><span class=\"S9F9 SA7 S2\" id=\"te_33\">When the sale is expected to occur beyond one year, the Group measures the costs to sell at their present value. </span><span class=\"S9FA SA7 S2\" id=\"tf_33\">Any increase in the present value of the costs to sell that arises from the passage of time shall be presented in profit </span><span class=\"S9FB SA7 S2\" id=\"tg_33\">or loss. Immediately before the initial classification of the asset under IFRS 5, the carrying amounts of the asset </span><span class=\"S9FC SA7 S2\" id=\"th_33\">(or all the assets and liabilities in the group) are measured in accordance with applicable IFRS. </span><span class=\"S9FD SA7 S2\" id=\"ti_33\">The Group does not depreciate (or amortize) an asset under IFRS 5 while it is classified as asset in accordance </span><span class=\"S9FE SA7 S2\" id=\"tj_33\">with IFRS 5. Interest and other expenses attributable to the liabilities of the asset under IFRS 5 shall continue to </span><span class=\"S9FF SA7 S2\" id=\"tk_33\">be recognized. </span><span class=\"SA00 SA7 S2\" id=\"tl_33\">If the Group has classified an asset under IFRS 5, but the criteria for that are no longer met, the Group ceases to </span><span class=\"SA01 SA7 S2\" id=\"tm_33\">classify the asset under IFRS 5. The Group measures these assets which cease to be classified as asset under IFRS </span><span class=\"SA02 SA7 S2\" id=\"tn_33\">5 at the lower of: </span><span class=\"SA03 SA7 S2\" id=\"to_33\">- its carrying amount before the asset was classified as asset under IFRS 5, adjusted for any depreciation, </span><span class=\"SA04 SA7 S2\" id=\"tp_33\">amortisation or revaluations that would have been recognized had the asset not been classified as asset under </span><span class=\"SA05 SA7 S2\" id=\"tq_33\">IFRS 5, and </span><span class=\"SA06 SA7 S2\" id=\"tr_33\">- its recoverable amount at the date of the subsequent decision not to sell. </span><span class=\"SA07 SA7 S2\" id=\"ts_33\">The Group presents an asset classified as asset under IFRS 5 separately from other assets in the Consolidated </span><span class=\"SA08 SA7 S2\" id=\"tt_33\">Statement of Financial Position. The liabilities of the asset under IFRS 5 are presented separately from other </span><span class=\"SA09 SA7 S2\" id=\"tu_33\">liabilities in the Consolidated Statement of Financial Position. Those assets and liabilities shall not be offset and </span><span class=\"SA0A SA7 S2\" id=\"tv_33\">presented as a single amount. The major classes of assets and liabilities classified as held for sale or discontinued </span><span class=\"SA0B SA7 S2\" id=\"tw_33\">operations are separately disclosed in the Notes. </span><span class=\"SA0C SA7 S2\" id=\"tx_33\">The Group presents separately any cumulative income or expense recognized in other comprehensive income </span><span class=\"SA0D SA7 S2\" id=\"ty_33\">relating to a non-current asset (or disposal group) classified as held for sale. Results from discontinued operations </span><span class=\"SA0E SA7 S2\" id=\"tz_33\">are reported separately in the Consolidated Statement of Profit or Loss as result from discontinued operations. </span><span class=\"SA0F SB S2\" id=\"t10_33\">2.26. </span><span class=\"SA10 SB S2\" id=\"t11_33\">Interest income and income similar to interest income and interest expense </span><span class=\"SA11 SA7 S2\" id=\"t12_33\">Interest income and expense are recognized in profit or loss in the period to which they relate, using the effective </span><span class=\"SA12 SA7 S2\" id=\"t13_33\">interest rate method. </span><span class=\"SA13 SA7 S2\" id=\"t14_33\">For exposures categorized into Stage 1 and Stage 2 the interest income is recognized on a gross basis. For </span><span class=\"SA14 SA7 S2\" id=\"t15_33\">exposures categorized into Stage 3 (using effective interest rate) and for POCI (using credit-adjusted effective </span><span class=\"SA15 SA7 S2\" id=\"t16_33\">interest rate) the interest income is recognized on a net basis. </span><span class=\"SA16 SA7 S2\" id=\"t17_33\">The time-proportional income similar to interest income of derivative financial instruments is calculated without </span><span class=\"SA17 SA7 S2\" id=\"t18_33\">using the effective interest method and the positive fair value adjustment of interest rate swaps are included in </span><span class=\"SA18 SA7 S2\" id=\"t19_33\">income similar to interest income. </span><span class=\"SA19 SA7 S2\" id=\"t1a_33\">Interest income of loans at fair value through profit or loss is calculated based on interest fixed in the contract and </span><span class=\"SA1A S5B9 S2\" id=\"t1b_33\">presented in \u201cIncome similar to interest income\u201d line. </span><span class=\"SA1B SA7 S2\" id=\"t1c_33\">Interest from loans and deposits are accrued on a daily basis. Interest income and expense include certain </span><span class=\"SA1C SA7 S2\" id=\"t1d_33\">transaction costs and the amortisation of any discount or premium between the initial carrying amount of an </span><span class=\"SA1D SA7 S2\" id=\"t1e_33\">interest-bearing instrument and its amount at maturity calculated on an effective interest rate basis. </span><span class=\"SA1E SA7 S2\" id=\"t1f_33\">All interest income and expense recognized are arising from loans, placements with other banks, repo receivables, </span><span class=\"SA1F SA7 S2\" id=\"t1g_33\">securities at fair value through other comprehensive income, securities at amortized cost and amounts due to banks, </span><span class=\"SA20 SA7 S2\" id=\"t1h_33\">repo liabilities, deposits from customers, liabilities from issued securities, subordinated bonds and loans are </span><span class=\"SA21 SA7 S2\" id=\"t1i_33\">presented under these lines of Consolidated Financial Statements. </span><span class=\"S7D9 SB S2\" id=\"t5_34\">2.27. </span><span class=\"S7A4 SB S2\" id=\"t6_34\">Fees and Commissions </span><span class=\"SA22 SA7 S2\" id=\"t7_34\">Fees and commissions that are not involved in the amortized cost model are recognized in the Consolidated </span><span class=\"SA23 SA7 S2\" id=\"t8_34\">Statement of Profit or Loss on an accrual basis according to IFRS 15 Revenue from contracts with customers (see </span><span class=\"SA24 SA7 S2\" id=\"t9_34\">more details in Note 32). These fees are related to deposits, cash withdrawals, security trading, bank card etc. </span><span class=\"SA25 SA7 S2\" id=\"ta_34\">The Group recognizes income if performance obligations related to the certain goods or services are satisfied, </span><span class=\"SA26 SA7 S2\" id=\"tb_34\">performed, and control over the asset is transferred to the customer, and it is probable that consideration payable </span><span class=\"SA27 SA7 S2\" id=\"tc_34\">will probably flow to the entity. In case of those services, where the Group transfers control over the asset </span><span class=\"S5C3 SA7 S2\" id=\"td_34\">continuously, income is recognised on accrual basis. </span><span class=\"SA28 SA7 S2\" id=\"te_34\">The Group provides foreign exchange trading services to its customers, the profit margin achieved on these </span><span class=\"SA29 SA7 S2\" id=\"tf_34\">transactions is presented as Net profit from fees and commissions in the Consolidated Statement of Profit or Loss. </span><span class=\"SA2A SB S2\" id=\"tg_34\">2.28. </span><span class=\"SA2B SB S2\" id=\"th_34\">Profit from associates </span><span class=\"SA2C SA7 S2\" id=\"ti_34\">Profit from associates refers to any distribution of an entity earnings to shareholders from stocks or mutual funds </span><span class=\"SA2D SA7 S2\" id=\"tj_34\">that is owned by the Group. The Group recognizes profit from associates in the Consolidated Financial Statements </span><span class=\"SA2E SA7 S2\" id=\"tk_34\">when its right to receive payment is established. </span><span class=\"SA2F SB S2\" id=\"tl_34\">2.29. Income tax </span><span class=\"SA30 SA7 S2\" id=\"tm_34\">The Group considers corporate income tax as current tax according to IAS 12. The Group also considers local </span><span class=\"SA31 SA7 S2\" id=\"tn_34\">business tax and the innovation contribution as income tax in Hungary. </span><span class=\"SA32 SA7 S2\" id=\"to_34\">The annual taxation charge is based on the tax payable under fiscal regulations prevailing in the country where the </span><span class=\"SA33 SA7 S2\" id=\"tp_34\">company is incorporated, adjusted for deferred taxation. Deferred taxation is accounted for using the balance sheet </span><span class=\"SA34 SA7 S2\" id=\"tq_34\">liability method in respect of temporary differences between the tax bases of assets and liabilities and their carrying </span><span class=\"SA35 SA7 S2\" id=\"tr_34\">value for financial reporting purposes, measured at the tax rates that apply to the future period when the asset is </span><span class=\"SA36 SA7 S2\" id=\"ts_34\">expected to be realized or the liability is settled. </span><span class=\"SA37 SA7 S2\" id=\"tt_34\">Current tax asset or current tax liability is presented related to income tax and innovation contribution separately </span><span class=\"SA38 SA7 S2\" id=\"tu_34\">in the Consolidated Statement of Financial Position. </span><span class=\"SA39 SA7 S2\" id=\"tv_34\">Deferred tax assets are recognized by the Group for the amounts of income taxes that are recoverable in future </span><span class=\"SA3A SA7 S2\" id=\"tw_34\">periods in respect of deductible temporary differences as well as the carryforward of unused tax losses and the </span><span class=\"SA3B SA7 S2\" id=\"tx_34\">carryforward of unused tax credits. </span><span class=\"SA3C SA7 S2\" id=\"ty_34\">The Group recognizes a deferred tax asset for all deductible temporary differences arising from investments in </span><span class=\"SA3D SA7 S2\" id=\"tz_34\">subsidiaries, branches and associates, and interests in joint arrangements, to the extent that, and only to the extent </span><span class=\"SA3E SA7 S2\" id=\"t10_34\">that, it is probable that: </span><span class=\"SA3F SA7 S2\" id=\"t11_34\">- the temporary difference will reverse in the foreseeable future; and </span><span class=\"SA40 SA7 S2\" id=\"t12_34\">- taxable profit will be available against which the temporary difference can be utilised. </span><span class=\"SA41 SA7 S2\" id=\"t13_34\">The Group considers the availability of qualifying taxable temporary differences and the probability of other future </span><span class=\"S9F1 SA7 S2\" id=\"t14_34\">taxable profits to determine whether future taxable profits will be available according to IAS 12. </span><span class=\"SA42 SA7 S2\" id=\"t15_34\">The Group recognizes a deferred tax liability for all taxable temporary differences associated with investments in </span><span class=\"SA43 SA7 S2\" id=\"t16_34\">subsidiaries, branches and associates, and interests in joint arrangements, except to the extent that both of the </span><span class=\"S76B SA7 S2\" id=\"t17_34\">following conditions are satisfied: </span><span class=\"SA44 SA7 S2\" id=\"t18_34\">- </span><span class=\"SA45 SA7 S2\" id=\"t19_34\">the Bank is able to control the timing of the reversal of the temporary difference, and </span><span class=\"SA46 SA7 S2\" id=\"t1a_34\">- </span><span class=\"SA47 SA7 S2\" id=\"t1b_34\">it is probable that the temporary difference will not reverse in the foreseeable future. </span><span class=\"SA1D SA7 S2\" id=\"t1c_34\">The Group only offsets its deferred tax liabilities against deferred tax assets when: </span><span class=\"SA48 SA7 S2\" id=\"t1d_34\">- </span><span class=\"SA49 SA7 S2\" id=\"t1e_34\">there is a legally enforceable right to set-off current tax liabilities against current tax assets, and </span><span class=\"SA4A SA7 S2\" id=\"t1f_34\">- </span><span class=\"SA4B SA7 S2\" id=\"t1g_34\">the taxes are levied by the same taxation authorities on either </span><span class=\"SA4C S602 S2\" id=\"t1h_34\">\u2022 </span><span class=\"SA4D SA7 S2\" id=\"t1i_34\">the same taxable entity or </span><span class=\"SA4E S602 S2\" id=\"t1j_34\">\u2022 </span><span class=\"SA4F SA7 S2\" id=\"t1k_34\">different taxable entities which intend to settle current tax liabilities and assets on a net basis. </span><span class=\"SA50 SB S2\" id=\"t5_35\">2.30. Banking tax </span><span class=\"SA51 SA7 S2\" id=\"t6_35\">The Bank and some of its subsidiaries are obliged to pay banking tax based on Act LIX of 2006. As the calculation </span><span class=\"SA52 SA7 S2\" id=\"t7_35\">is not based on the taxable profit but on the adjusted total assets as reported in the Separate Financial Statements </span><span class=\"SA53 SA7 S2\" id=\"t8_35\">of the Bank and its entities for the second period preceding the current tax year, therefore, the banking tax is </span><span class=\"SA54 SA7 S2\" id=\"t9_35\">considered as another administrative expense, not as income tax. Pursuant to Government Decree No. 197/2022 </span><span class=\"SA55 SA7 S2\" id=\"ta_35\">published on 4 June 2022, the Hungarian Government decided to impose a windfall tax on credit institutions and </span><span class=\"SA56 SA7 S2\" id=\"tb_35\">financial enterprises temporarily, that is for 2022 and 2023. As for 2022, the base of the windfall tax is the net </span><span class=\"SA57 SA7 S2\" id=\"tc_35\">revenues based on the 2021 financial statements, calculated according to local tax law, whereas the tax rate is 10%. </span><span class=\"SA58 SB S2\" id=\"td_35\">2.31. </span><span class=\"SA59 SB S2\" id=\"te_35\">Off-balance sheet commitments and contingent liabilities </span><span class=\"SA5A SA7 S2\" id=\"tf_35\">In the ordinary course of its business, the Group enters into off-balance sheet commitments such as guarantees, </span><span class=\"SA5B SA7 S2\" id=\"tg_35\">letters of credit, commitments to extend credit and transactions with financial instruments. The provision for off- </span><span class=\"SA5C SA7 S2\" id=\"th_35\">balance sheet commitments and contingent liabilities is maintained at a level adequate to absorb future cash </span><span class=\"SA5D SA7 S2\" id=\"ti_35\">outflows which are probable and relate to present obligations. </span><span class=\"SA5E SA7 S2\" id=\"tj_35\">In the case of commitments and contingent liabilities, the Management determines the adequacy of the loss </span><span class=\"SA5F SA7 S2\" id=\"tk_35\">allowance based upon reviews of individual items, recent loss experience, current economic conditions, the risk </span><span class=\"SA60 SA7 S2\" id=\"tl_35\">characteristics of the various categories of transactions and other pertinent factors. The Group recognizes provision </span><span class=\"SA61 SA7 S2\" id=\"tm_35\">for off-balance sheet commitment and contingent liabilities in accordance with IAS 37 when it has a present </span><span class=\"SA62 SA7 S2\" id=\"tn_35\">obligation as a result of a past event; it is probable that an outflow of resources embodying economic benefits will </span><span class=\"SA63 SA7 S2\" id=\"to_35\">be required to settle the obligation; and a reliable estimate can be made of the obligation. For financial guarantees </span><span class=\"SA64 SA7 S2\" id=\"tp_35\">and loan commitments given which are under IFRS 9 the expected credit loss model is applied when the provision </span><span class=\"SA65 SA7 S2\" id=\"tq_35\">is calculated (see more details in Note 2.14.). After initial recognition the Group subsequently measures those </span><span class=\"SA66 SA7 S2\" id=\"tr_35\">contracts at a higher of the amount of the loss allowance or of the amount initially recognised less the cumulative </span><span class=\"SA67 SA7 S2\" id=\"ts_35\">amount of income recognized in accordance with IFRS 15. </span><span class=\"SA68 SB S2\" id=\"tt_35\">2.32. Share-based payment </span><span class=\"SA69 SA7 S2\" id=\"tu_35\">The Group has applied the requirements of IFRS 2 Share-based Payment. </span><span class=\"SA6A SA7 S2\" id=\"tv_35\">The Group issues equity-settled share-based payment to certain employees. Equity-settled share-based payment is </span><span class=\"SA6B SA7 S2\" id=\"tw_35\">measured at fair value at the grant date. The fair value determined at the grant date of the equity-settled share- </span><span class=\"SA6C SA7 S2\" id=\"tx_35\">based payment is expensed on a straight-</span><span class=\"SA6D S5B9 S2\" id=\"ty_35\">line basis over the year, based on the Group\u2019s estimate of shares that will </span><span class=\"SA6E SA7 S2\" id=\"tz_35\">eventually vest. Share-based payment is recorded in Consolidated Statement of Profit or Loss as Personnel </span><span class=\"SA6F SA7 S2\" id=\"t10_35\">expenses. </span><span class=\"SA70 SA7 S2\" id=\"t11_35\">Fair value is measured by use of a binomial model. The expected life used in the model has been adjusted, based </span><span class=\"SA71 S5B9 S2\" id=\"t12_35\">on Management\u2019s best estimate, for the effects of non</span><span class=\"SA72 SA7 S2\" id=\"t13_35\">-transferability, exercise restrictions, and behavioural </span><span class=\"SA73 SA7 S2\" id=\"t14_35\">considerations. </span><span class=\"SA74 SB S2\" id=\"t15_35\">2.33. Employee benefits </span><span class=\"SA75 SA7 S2\" id=\"t16_35\">The Group has applied the requirement of IAS 19 Employee Benefits. These benefits are recognised as an expense </span><span class=\"SA76 SA7 S2\" id=\"t17_35\">and liability undiscounted in the Consolidated Financial Statements. Liabilities are regularly remeasured. Gains or </span><span class=\"SA77 SA7 S2\" id=\"t18_35\">losses due to the remeasurement are recognised in the Consolidated Statement of Profit or Loss. </span><span class=\"SA78 SA7 S2\" id=\"t19_35\">Short-term employee benefits are employee benefits (other than termination benefits) that are expected to be settled </span><span class=\"SA79 SA7 S2\" id=\"t1a_35\">wholly before twelve months after the end of the annual reporting period in which the employees render the related </span><span class=\"S99F SA7 S2\" id=\"t1b_35\">service. These can be wages, salaries and bonuses, premium, paid annual leave and paid sick leave and other free </span><span class=\"SA1D SA7 S2\" id=\"t1c_35\">services (health care, reward holiday). Long-term employee benefits are mostly the jubilee reward. </span><span class=\"SA7A SA7 S2\" id=\"t1d_35\">Post-employment benefits are employee benefits (other than termination and short-term employee benefits) that </span><span class=\"SA7B SA7 S2\" id=\"t1e_35\">are payable after the completion of employment. Post-employment benefit plans are formal or informal </span><span class=\"SA7C SA7 S2\" id=\"t1f_35\">arrangements under which an entity provides post-employment benefits for one or more employees. Post- </span><span class=\"SA7D SA7 S2\" id=\"t1g_35\">employment benefit plans are classified as either defined contribution plans or defined benefit plans, depending </span><span class=\"SA7E SA7 S2\" id=\"t1h_35\">on the economic substance of the plan as derived from its principal terms and conditions. </span><span class=\"SA7F SB S2\" id=\"t5_36\">2.33.  Employee benefits [continued] </span><span class=\"SA80 S5B9 S2\" id=\"t6_36\">Defined benefit plan is post\u2011employment benefit plans other than defined contribution plan. The Group's net </span><span class=\"SA81 SA7 S2\" id=\"t7_36\">obligation is calculated by estimating the amount of employee's future benefit based on their services for the </span><span class=\"SA82 SA7 S2\" id=\"t8_36\">current and prior periods. The future value of benefit is being discounted to present value. </span><span class=\"SA83 S5B9 S2\" id=\"t9_36\">Termination benefits are employee benefits provided in exchange for the termination of an employee\u2019s </span><span class=\"SA84 S5B9 S2\" id=\"ta_36\">employment as a result of either: an entity\u2019s decision to terminate an employee\u2019s employment before the normal </span><span class=\"SA85 S5B9 S2\" id=\"tb_36\">retirement date or an employee\u2019s decision to accept an offer of benefits in exchange for the termination of </span><span class=\"SA86 SA7 S2\" id=\"tc_36\">employment. Other long-term employee benefits are all employee benefits other than short-term employee </span><span class=\"SA87 SA7 S2\" id=\"td_36\">benefits, postemployment benefits and termination benefits. </span><span class=\"SA88 SB S2\" id=\"te_36\">2.34. </span><span class=\"SA89 SB S2\" id=\"tf_36\">Biological assets and agricultural produce </span><span class=\"SA8A SA7 S2\" id=\"tg_36\">The Group recognises a biological asset or agricultural produce according to IAS 41 only when it controls the asset </span><span class=\"SA8B SA7 S2\" id=\"th_36\">as a result of past events, it is probable that future economic benefits will flow and the fair value or the cost can </span><span class=\"SA8C SA7 S2\" id=\"ti_36\">be measured reliably. </span><span class=\"SA8D SA7 S2\" id=\"tj_36\">Biological assets are measured on initial recognition and at subsequent periods at fair value less estimated costs to </span><span class=\"SA8E SA7 S2\" id=\"tk_36\">sell unless fair value cannot be reliably measured. </span><span class=\"SA8F SA7 S2\" id=\"tl_36\">Agricultural produce is measured at fair value less estimated costs to sell at the point of harvest. </span><span class=\"SA90 SA7 S2\" id=\"tm_36\">The gain on initial recognition of biological assets at fair value less costs to sell, and changes in fair value less </span><span class=\"SA91 SA7 S2\" id=\"tn_36\">costs to sell of biological assets during a period are included in profit or loss for the period in which it arises as </span><span class=\"SA92 SA7 S2\" id=\"to_36\">other operating income. </span><span class=\"SA93 SB S2\" id=\"tp_36\">2.35. </span><span class=\"SA94 SB S2\" id=\"tq_36\">Consolidated Statement of Cash-flows </span><span class=\"SA95 SA7 S2\" id=\"tr_36\">Cash flows arising from the operating, investing or financing activities are reported in the Statement of Cash- </span><span class=\"SA96 SA7 S2\" id=\"ts_36\">Flows of the Group primarily on a gross basis. Net basis reporting are applied by the Group in the following cases: </span><span class=\"SA97 SA7 S2\" id=\"tt_36\">- </span><span class=\"SA98 SA7 S2\" id=\"tu_36\">when the cash flows reflect the activities of the customer rather than those of the Group, and </span><span class=\"SA99 SA7 S2\" id=\"tv_36\">- </span><span class=\"SA9A SA7 S2\" id=\"tw_36\">for items in which the turnover is quick, the amounts are large, and the maturities are short. </span><span class=\"SA9B SA7 S2\" id=\"tx_36\">For the purposes of reporting Consolidated Statement of Cash-flows, cash and cash equivalents include cash, due </span><span class=\"SA9C SA7 S2\" id=\"ty_36\">from banks and balances with the National Banks, excluding the compulsory reserve established by the National </span><span class=\"SA9D SA7 S2\" id=\"tz_36\">Banks. This line item shows balances of HUF and foreign currency cash amounts, and sight deposit from NBH </span><span class=\"SA9E SA7 S2\" id=\"t10_36\">and from other banks, furthermore, balances of current accounts. </span><span class=\"SA9F SA7 S2\" id=\"t11_36\">Consolidated cash-flows from hedging activities are classified in the same category as the item being hedged. The </span><span class=\"SAA0 SA7 S2\" id=\"t12_36\">unrealized gains and losses from the translation of monetary items to the closing foreign exchange rates and </span><span class=\"SAA1 SA7 S2\" id=\"t13_36\">unrealized gains and losses from derivative financial instruments are presented net as operating activity separately </span><span class=\"SAA2 SA7 S2\" id=\"t14_36\">in the Consolidated Statement of Cash-flows for the monetary items which have been revaluated. </span><span class=\"SAA3 SB S2\" id=\"t15_36\">2.36. Segment reporting </span><span class=\"SAA4 SA7 S2\" id=\"t16_36\">IFRS 8 Operating Segments requires operating segments to be identified on the basis of internal reports about </span><span class=\"SAA5 SA7 S2\" id=\"t17_36\">components of the Group that are regularly reviewed by the chief operating decision maker in order to allocate </span><span class=\"SAA6 SA7 S2\" id=\"t18_36\">resources to the segments and to assess their performance. </span><span class=\"SAA7 SA7 S2\" id=\"t19_36\">Based on the above, the segments identified by the Group are the business and geographical segments. </span><span class=\"SAA8 S5B9 S2\" id=\"t1a_36\">The Group\u2019s operating segments under IFRS 8 are therefore as follows: OTP Core Hungary, Russia, Ukraine, </span><span class=\"SAA9 SA7 S2\" id=\"t1b_36\">Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Merkantil Group, Asset </span><span class=\"SA1A SA7 S2\" id=\"t1c_36\">Management subsidiaries, Other subsidiaries, Corporate Center. </span><span class=\"SAAA SB S2\" id=\"t1d_36\">2.37. Comparative balances </span><span class=\"SAAB SA7 S2\" id=\"t1e_36\">These Consolidated Financial Statements are prepared in accordance with the same accounting policies in all </span><span class=\"SAAC SA7 S2\" id=\"t1f_36\">respects as the Consolidated Financial Statements prepared in accordance with IFRS as adopted by the European </span><span class=\"S9A2 SA7 S2\" id=\"t1g_36\">Union for the year ended 31 December 2021. </span><span class=\"S583 SB S2\" id=\"t3_37\">NOTE 3: </span><span class=\"SAAD SB S2\" id=\"t4_37\">SIGNIFICANT ACCOUNTING ESTIMATES AND DECISIONS IN THE APPLICATION </span><span class=\"SAAE SB S2\" id=\"t5_37\">OF ACCOUNTING POLICIES </span><span class=\"SAAF SA7 S2\" id=\"t6_37\">The presentation of financial statements in conformity with IFRS as adopted by EU requires the Management of </span><span class=\"SAB0 SA7 S2\" id=\"t7_37\">the Group to make judgement about estimates and assumptions that affect the reported amounts of assets and </span><span class=\"SAB1 SA7 S2\" id=\"t8_37\">liabilities and the disclosure of contingent assets and liabilities as at the date of the financial statements and their </span><span class=\"SAB2 SA7 S2\" id=\"t9_37\">reported amounts of revenues and expenses during the reporting period. The estimates and associated assumptions </span><span class=\"SAB3 SA7 S2\" id=\"ta_37\">are based on the expected loss and other factors that are considered to be relevant. The estimates and underlying </span><span class=\"SAB4 SA7 S2\" id=\"tb_37\">assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognized in the period. </span><span class=\"S9F7 SA7 S2\" id=\"tc_37\">Actual results could differ from those estimates. Significant areas of subjective judgement include: </span><span class=\"SAB5 SB S2\" id=\"td_37\">3.1. </span><span class=\"SAB6 SB S2\" id=\"te_37\">Loss allowances on financial instruments exposed to credit risk </span><span class=\"SAB7 SA7 S2\" id=\"tf_37\">The Group regularly assesses its financial instruments portfolio for loss allowance. Management determines the </span><span class=\"SAB8 SA7 S2\" id=\"tg_37\">adequacy of the loss allowances based upon reviews of individual loans and placements, recent loss experience, </span><span class=\"SAB9 SA7 S2\" id=\"th_37\">current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. </span><span class=\"SABA SA7 S2\" id=\"ti_37\">The use of the three-stage model was implemented for IFRS 9 purposes. The impairment methodology is used to </span><span class=\"SABB SA7 S2\" id=\"tj_37\">classify financial instruments in order to determine whether credit risk has significantly increased since initial </span><span class=\"SABC SA7 S2\" id=\"tk_37\">recognition and to identify the credit-impaired assets. For instruments with credit-impairment or significant </span><span class=\"SABD SA7 S2\" id=\"tl_37\">increase of credit risk lifetime expected losses are recognized (see more details in Note 37.1.) </span><span class=\"SABE SB S2\" id=\"tm_37\">3.2. </span><span class=\"SABF SB S2\" id=\"tn_37\">Valuation of instruments without direct quotations </span><span class=\"SAC0 SA7 S2\" id=\"to_37\">Financial instruments without direct quotations in an active market are valued using the valuation model technique. </span><span class=\"SAC1 SA7 S2\" id=\"tp_37\">The models are regularly reviewed and each model is calibrated for the most recent available market data. While </span><span class=\"SAC2 SA7 S2\" id=\"tq_37\">the models are built only on available data, their use is subject to certain assumptions and estimates (e.g. </span><span class=\"SAC3 SA7 S2\" id=\"tr_37\">correlations, volatilities, etc.). Changes in the model assumptions may affect the reported fair value of the relevant </span><span class=\"SAC4 SA7 S2\" id=\"ts_37\">financial instruments. </span><span class=\"SAC5 SA7 S2\" id=\"tt_37\">IFRS 13 Fair Value Measurement seeks to increase the consistency and comparability in fair value measurements </span><span class=\"SAC6 SA7 S2\" id=\"tu_37\">and related disclosures through a 'fair value hierarchy'. The hierarchy categorises the inputs used in valuation </span><span class=\"SAC7 SA7 S2\" id=\"tv_37\">techniques into three levels. The hierarchy gives the highest priority to (unadjusted) quoted prices in active markets </span><span class=\"SAC8 SA7 S2\" id=\"tw_37\">for identical assets or liabilities and the lowest priority to unobservable inputs. The Group evaluates the levelling </span><span class=\"SA69 SA7 S2\" id=\"tx_37\">at each reporting period on an instrument-by-instrument basis and reclassifies instruments when necessary, based </span><span class=\"SAC9 SA7 S2\" id=\"ty_37\">on the facts at the beginning of the reporting period. The objective of a fair value measurement is to estimate the </span><span class=\"SACA SA7 S2\" id=\"tz_37\">price at which an orderly transaction to sell the asset or to transfer the liability would take place between market </span><span class=\"SACB SA7 S2\" id=\"t10_37\">participants at the measurement date under current market conditions. </span><span class=\"S703 SB S2\" id=\"t11_37\">3.3. </span><span class=\"SACC SB S2\" id=\"t12_37\">Provisions </span><span class=\"SACD SA7 S2\" id=\"t13_37\">Provision is recognized and measured for commitments to extend credit and for warranties arising from banking </span><span class=\"SACE SA7 S2\" id=\"t14_37\">activities based on IFRS 9 Financial Instruments. Provision for these instruments is recognized based on the credit </span><span class=\"SACF SA7 S2\" id=\"t15_37\">conversion factor, which shows the proportion of the undrawn credit line that will probably be drawn. </span><span class=\"SAD0 SA7 S2\" id=\"t16_37\">Other provisions are recognized and measured based on IAS 37 Provisions, Contingent Liabilities and Contingent </span><span class=\"SAD1 SA7 S2\" id=\"t17_37\">Assets. The Group is involved in a number of ongoing legal disputes. Based upon historical experience and expert </span><span class=\"SAD2 SA7 S2\" id=\"t18_37\">reports, the Group assesses the developments in these cases, and the likelihood and the amount of potential </span><span class=\"SAD3 SA7 S2\" id=\"t19_37\">financial losses which are appropriately provided for. (See Note 24.) </span><span class=\"SAD4 SA7 S2\" id=\"t1a_37\">Other provision includes provision for litigation, provision for retirement and expected liabilities and provision </span><span class=\"SA18 SA7 S2\" id=\"t1b_37\">for confirmed letter of credit. </span><span class=\"SAD5 SA7 S2\" id=\"t1c_37\">A provision is recognized by the Group when it has a present obligation as a result of a past event, it is probable </span><span class=\"SAD6 SA7 S2\" id=\"t1d_37\">that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable </span><span class=\"SAD7 SA7 S2\" id=\"t1e_37\">estimate can be made of the amount of the obligation. </span><span class=\"S5BC SB S2\" id=\"t6_38\">3.4. </span><span class=\"SAD9 SB S2\" id=\"t7_38\">Impairment on goodwill </span><span class=\"SADA SA7 S2\" id=\"t8_38\">Goodwill acquired in a business combination is tested for impairment annually or more frequently when there is </span><span class=\"S8F2 SA7 S2\" id=\"t9_38\">an indication that the unit might </span><span class=\"SADB S5B9 S2\" id=\"ta_38\">be impaired, in accordance with IAS 36 \u201cImpairment of assets\u201d. </span><span class=\"SADC SA7 S2\" id=\"tb_38\">The Group calculates the fair value based on discounted cash-flow model. The 3-year period explicit cash-flow </span><span class=\"SADD SA7 S2\" id=\"tc_38\">model serves as a basis for the impairment test by which the Group defines the impairment need on goodwill based </span><span class=\"SADE SA7 S2\" id=\"td_38\">on the strategic factors and financial data of its cash-generating units. In the calculation of the goodwill impairment, </span><span class=\"SADF SA7 S2\" id=\"te_38\">also the expectations about possible variations in the amount or timing of those future cash-flows, the time value </span><span class=\"SAE0 SA7 S2\" id=\"tf_38\">of money, represented by the current market risk-free rate of interest and other factors are reflected. </span><span class=\"SAE1 SB S2\" id=\"tg_38\">3.5. </span><span class=\"SAE2 SB S2\" id=\"th_38\">Business model </span><span class=\"SAE3 SA7 S2\" id=\"ti_38\">A business model refers to how the Group manages its financial instruments in order to generate cash flows. It is </span><span class=\"SAE4 SA7 S2\" id=\"tj_38\">determined at a level that reflects how groups of financial instruments are managed rather than at an instrument </span><span class=\"SAE5 SA7 S2\" id=\"tk_38\">level. </span><span class=\"SAE6 SA7 S2\" id=\"tl_38\">The financial assets held by the Group are classified into three categories depending on the business model within </span><span class=\"SAE7 SA7 S2\" id=\"tm_38\">the financial assets are managed. </span><span class=\"SAE8 S602 S2\" id=\"tn_38\">\u2022 </span><span class=\"SAE9 SA7 S2\" id=\"to_38\">Business model whose objective is to hold financial assets in order to collect contractual cash flows. Some </span><span class=\"SAEA SA7 S2\" id=\"tp_38\">sales can be consistent with hold to collect business model and the Group assesses the nature, frequency </span><span class=\"SAEB SA7 S2\" id=\"tq_38\">and significance of any sales occurring. The Group does not consider the sale frequent when at least six </span><span class=\"SAEC SA7 S2\" id=\"tr_38\">months have elapsed between sales. The significant sales are those when the sales exceed 2% of the total </span><span class=\"SAED SA7 S2\" id=\"ts_38\">hold to collect portfolio. Within this business model the Group manages mainly loans and advances and </span><span class=\"SAEE SA7 S2\" id=\"tt_38\">long-term securities and other financial assets. </span><span class=\"SAEF S602 S2\" id=\"tu_38\">\u2022 </span><span class=\"SAF0 SA7 S2\" id=\"tv_38\">Business model whose objective is achieved by both collecting contractual cash flows and selling </span><span class=\"SAF1 SA7 S2\" id=\"tw_38\">financial assets. Within this business model the Group only manages securities. </span><span class=\"SAF2 S602 S2\" id=\"tx_38\">\u2022 </span><span class=\"SAF3 SA7 S2\" id=\"ty_38\">Business model whose objective is to achieve gains in a short-term period. Within this business model </span><span class=\"SAF4 SA7 S2\" id=\"tz_38\">the Group manages securities and derivative financial instrument. </span><span class=\"SAF5 SA7 S2\" id=\"t10_38\">If cash flows are realised in a way that is different from the expectations at the date that the Bank/Group assessed </span><span class=\"SAF6 S5B9 S2\" id=\"t11_38\">the business model, that does not give rise to a prior error in the Group\u2019s financial statements nor does it change </span><span class=\"SAF7 SA7 S2\" id=\"t12_38\">the classification of the remaining financial assets held in that business model. </span><span class=\"SAF8 SA7 S2\" id=\"t13_38\">When, and only when the Group changes its business model for managing financial assets it reclassifies all affected </span><span class=\"SAF9 S5B9 S2\" id=\"t14_38\">assets. Such changes are determined by the Group\u2019s senior management as a result of external or internal changes </span><span class=\"SAFA S5B9 S2\" id=\"t15_38\">and must be significant to the Group\u2019s operations a</span><span class=\"SAFB SA7 S2\" id=\"t16_38\">nd demonstrable to external parties. The Group shall not </span><span class=\"SAFC SA7 S2\" id=\"t17_38\">reclassify any financial liability. </span><span class=\"SAFD SB S2\" id=\"t18_38\">3.6. </span><span class=\"SAFE SB S2\" id=\"t19_38\">Contractual cash-flow characteristics of financial assets </span><span class=\"SAFF SA7 S2\" id=\"t1a_38\">Classification of a financial asset is based on the characteristics of its contractual cash flows if the financial asset </span><span class=\"SB00 SA7 S2\" id=\"t1b_38\">is held within a business model whose objective is to hold assets to collect contractual cash flows or within a </span><span class=\"SB01 SA7 S2\" id=\"t1c_38\">business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. </span><span class=\"SB02 S5B9 S2\" id=\"t1d_38\">The Group should determine whether the asset\u2019s contractual cash flows are solely payments of principal and </span><span class=\"SB03 SA7 S2\" id=\"t1e_38\">interest on the principal amount outstanding (SPPI test). Contractual cash flows that are solely payments of </span><span class=\"SB04 SA7 S2\" id=\"t1f_38\">principal and interest on the principal amount outstanding are consistent with a basic lending arrangement. </span><span class=\"S5BC SB S2\" id=\"t6_39\">3.6. </span><span class=\"SB05 SB S2\" id=\"t7_39\">Contractual cash-flow characteristics of financial assets [continued] </span><span class=\"SB06 SA7 S2\" id=\"t8_39\">Contractual terms that introduce exposure to risks or volatility in the contractual cash flows that is unrelated to a </span><span class=\"SB07 SA7 S2\" id=\"t9_39\">basic lending arrangement, such as exposure to changes in equity prices or commodity prices, do not give rise to </span><span class=\"SB08 SA7 S2\" id=\"ta_39\">contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. The </span><span class=\"SB09 SA7 S2\" id=\"tb_39\">Group assesses whether contractual cash flows are solely payments of principal and interest on the principal </span><span class=\"S6B9 SA7 S2\" id=\"tc_39\">amount outstanding for the currency in which the financial asset is denominated. </span><span class=\"SB0A SA7 S2\" id=\"td_39\">The time value of money is the element of interest that provides consideration for only the passage of time. </span><span class=\"SB0B SA7 S2\" id=\"te_39\">However, in some cases, the time value of money element may be modified. In such cases, the Group assesses the </span><span class=\"SB0C SA7 S2\" id=\"tf_39\">modification to determine whether the contractual cash flows represent solely payments of principal and interest </span><span class=\"SB0D SA7 S2\" id=\"tg_39\">on the principal amount outstanding. </span><span class=\"SB0E SA7 S2\" id=\"th_39\">When assessing a modified time value of money element, the objective is to determine how different the </span><span class=\"SB0F SA7 S2\" id=\"ti_39\">undiscounted contractual cash flows could be from undiscounted cash flows that would arise if the time value of </span><span class=\"SB10 SA7 S2\" id=\"tj_39\">money element was not modified (the benchmark cash flows). The benchmark instrument can be an actual or a </span><span class=\"SA8E SA7 S2\" id=\"tk_39\">hypothetical financial asset. If the undiscounted contractual cash flows significantly </span><span class=\"SB11 S5B9 S2\" id=\"tl_39\">\u2013 </span><span class=\"SB12 SA7 S2\" id=\"tm_39\">above 2% </span><span class=\"SB13 S5B9 S2\" id=\"tn_39\">\u2013 </span><span class=\"SB14 SA7 S2\" id=\"to_39\">differ from the </span><span class=\"SB15 SA7 S2\" id=\"tp_39\">undiscounted benchmark cash flows, the financial asset should be subsequently measured at fair value through </span><span class=\"SB16 SA7 S2\" id=\"tq_39\">profit or loss. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2666": {
   "value": "<span class=\"S6C4 SB S2\" id=\"tn_17\">2.2. </span><span class=\"S6C5 SB S2\" id=\"to_17\">Foreign currency translation </span><span class=\"S6C6 SA7 S2\" id=\"tp_17\">In preparing the financial statements of each individual group entity, transactions in currencies other than the </span><span class=\"S6C7 SA7 S2\" id=\"tq_17\">entity's functional currencies are translated into functional currencies at the rates of exchange prevailing at the </span><span class=\"S6C8 SA7 S2\" id=\"tr_17\">dates of the transactions. At the end of each reporting period, monetary items denominated in foreign currencies </span><span class=\"S6C9 SA7 S2\" id=\"ts_17\">are retranslated at the exchange rates q</span><span class=\"S6CA S5B9 S2\" id=\"tt_17\">uoted by the National Bank of Hungary (\u201cNBH\u201d), or if there is no official </span><span class=\"S6CB SA7 S2\" id=\"tu_17\">rate, at exchange rates quoted by OTP Bank as at the date of the Consolidated Financial Statements. </span><span class=\"S6CC SA7 S2\" id=\"tv_17\">Non-monetary items carried at fair value that are denominated in foreign currencies are retranslated at the rates </span><span class=\"S6CD SA7 S2\" id=\"tw_17\">prevailing at the date when the fair value was determined. Non-monetary items that are measured in terms of </span><span class=\"S6CE SA7 S2\" id=\"tx_17\">historical cost in a foreign currency are not retranslated. </span><span class=\"S6CF SA7 S2\" id=\"ty_17\">Exchange differences on monetary items are recognized in profit or loss in the period in which they arise except </span><span class=\"S6D0 SA7 S2\" id=\"tz_17\">for: </span><span class=\"S6D1 S6E3 S2\" id=\"t10_17\">- </span><span class=\"S6D2 SA7 S2\" id=\"t11_17\">exchange differences on foreign currency borrowings relating to assets under construction for future </span><span class=\"S6D3 SA7 S2\" id=\"t12_17\">productive use, which are included in the cost of those assets when they are regarded as an adjustment to </span><span class=\"S6D4 SA7 S2\" id=\"t13_17\">interest costs on those foreign currency borrowings; </span><span class=\"S6D5 S6E3 S2\" id=\"t14_17\">- </span><span class=\"S6D6 SA7 S2\" id=\"t15_17\">exchange differences on transactions entered into in order to hedge certain foreign currency risks (see note </span><span class=\"S6D7 SA7 S2\" id=\"t16_17\">2.7. below for hedging accounting policies); and </span><span class=\"S6D8 S6E3 S2\" id=\"t17_17\">- </span><span class=\"S6D9 SA7 S2\" id=\"t18_17\">exchange differences on monetary items receivable from or payable to a foreign operation for which </span><span class=\"S6DA SA7 S2\" id=\"t19_17\">settlement is neither planned nor likely to occur (therefore forming part of the net investment in the foreign </span><span class=\"S6DB SA7 S2\" id=\"t1a_17\">operation), which are recognized initially in Other Comprehensive Income and reclassified from equity to </span><span class=\"S6DC SA7 S2\" id=\"t1b_17\">profit or loss on repayment of the monetary items. </span><span class=\"S6DD SA7 S2\" id=\"t1c_17\">For the purposes of presenting Consolidated Financial Statements, the assets and liabilities of the Group's foreign </span><span class=\"S6DE SA7 S2\" id=\"t1d_17\">operations are translated into HUF using exchange rates prevailing at the end of each reporting period. Income and </span><span class=\"S6DF SA7 S2\" id=\"t1e_17\">expense items are translated at the average exchange rates for the period, unless exchange rates fluctuate </span><span class=\"S6E0 SA7 S2\" id=\"t1f_17\">significantly during that period, in which case the exchange rates at the dates of the transactions are used. Exchange </span><span class=\"S6E1 SA7 S2\" id=\"t1g_17\">differences arising, if any, are recognized in Other Comprehensive Income and accumulated in equity (attributed </span><span class=\"S6E2 SA7 S2\" id=\"t1h_17\">to non-controlling interests as appropriate). </span><span class=\"S585 SB S2\" id=\"t5_18\">2.2. </span><span class=\"S6E5 SB S2\" id=\"t6_18\">Foreign currency translation [continued] </span><span class=\"S6E6 SA7 S2\" id=\"t7_18\">On the disposal of a foreign operation (i.e. a disposal of the Group's entire interest in a foreign operation, or a </span><span class=\"S6E7 SA7 S2\" id=\"t8_18\">disposal involving loss of control over a subsidiary that includes a foreign operation, a disposal involving loss of </span><span class=\"S6E8 SA7 S2\" id=\"t9_18\">joint control over a jointly controlled entity that includes a foreign operation, or a disposal involving loss of </span><span class=\"S6E9 SA7 S2\" id=\"ta_18\">significant influence over an associate that includes a foreign operation), all of the exchange differences </span><span class=\"S6EA SA7 S2\" id=\"tb_18\">accumulated in equity in respect of that operation attributable to the owners of the Group are reclassified to profit </span><span class=\"S6EB SA7 S2\" id=\"tc_18\">or loss. </span><span class=\"S6EC SA7 S2\" id=\"td_18\">In addition, in relation to a partial disposal of a subsidiary that does not result in the Group losing control over the </span><span class=\"S6ED SA7 S2\" id=\"te_18\">subsidiary, the proportionate share of accumulated exchange differences are re-attributed to non-controlling </span><span class=\"S6EE SA7 S2\" id=\"tf_18\">interests and are not recognized in profit or loss. </span><span class=\"S6EF SA7 S2\" id=\"tg_18\">Goodwill and fair value adjustments on identifiable assets and liabilities acquired arising on the acquisition of a </span><span class=\"S6F0 SA7 S2\" id=\"th_18\">foreign operation are treated as assets and liabilities of the foreign operation and translated at the rate of exchange </span><span class=\"S6F1 SA7 S2\" id=\"ti_18\">prevailing at the end of each reporting period. Exchange differences arising are recognized in Other </span><span class=\"S6F2 SA7 S2\" id=\"tj_18\">Comprehensive Income and accumulated in equity. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2681": {
   "value": "<span class=\"S6D2 SA7 S2\" id=\"t11_17\">exchange differences on foreign currency borrowings relating to assets under construction for future </span><span class=\"S6D3 SA7 S2\" id=\"t12_17\">productive use, which are included in the cost of those assets when they are regarded as an adjustment to </span><span class=\"S6D4 SA7 S2\" id=\"t13_17\">interest costs on those foreign currency borrowings; </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingCostsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2723": {
   "value": "<span class=\"S6EF SA7 S2\" id=\"tg_18\">Goodwill and fair value adjustments on identifiable assets and liabilities acquired arising on the acquisition of a </span><span class=\"S6F0 SA7 S2\" id=\"th_18\">foreign operation are treated as assets and liabilities of the foreign operation and translated at the rate of exchange </span><span class=\"S6F1 SA7 S2\" id=\"ti_18\">prevailing at the end of each reporting period. Exchange differences arising are recognized in Other </span><span class=\"S6F2 SA7 S2\" id=\"tj_18\">Comprehensive Income and accumulated in equity. </span><span class=\"S703 SB S2\" id=\"t10_18\">2.4. </span><span class=\"S704 SB S2\" id=\"t11_18\">Accounting for acquisitions </span><span class=\"S705 SA7 S2\" id=\"t12_18\">Business combinations are accounted for using the acquisition method. Any goodwill arising on acquisition is </span><span class=\"S706 SA7 S2\" id=\"t13_18\">recognized in the Consolidated Statement of Financial Position and accounted for as indicated below. </span><span class=\"S707 SA7 S2\" id=\"t14_18\">The acquisition date is the date on which the acquirer effectively obtains control over the acquiree. Before this </span><span class=\"S708 SA7 S2\" id=\"t15_18\">date, it should be presented as Advance for investments within Other assets. </span><span class=\"S709 SA7 S2\" id=\"t16_18\">Goodwill, which represents the residual cost of the acquisition after obtaining the control over the acquiree in the </span><span class=\"S70A SA7 S2\" id=\"t17_18\">fair value of the identifiable assets acquired and liabilities assumed is held as an intangible asset and recorded at </span><span class=\"S70B SA7 S2\" id=\"t18_18\">cost less any accumulated impairment losses in the Consolidated Financial Statements. The Group tests goodwill </span><span class=\"S70C SA7 S2\" id=\"t19_18\">for impairment by comparing its recoverable amount with its carrying amount, and recognising any excess of the </span><span class=\"S70D SA7 S2\" id=\"t1a_18\">carrying amount over the recoverable amount an impairment loss. The recoverable amount of goodwill is the </span><span class=\"S70E SA7 S2\" id=\"t1b_18\">higher of its fair value less costs of disposal and its value in use. </span><span class=\"S70F SA7 S2\" id=\"t1c_18\">If the Group loses control of a subsidiary, derecognizes the assets (including any goodwill) and liabilities of the </span><span class=\"S710 SA7 S2\" id=\"t1d_18\">subsidiary at their carrying amounts at the date when control is lost and recognizes any difference as a gain or loss </span><span class=\"S711 SA7 S2\" id=\"t1e_18\">on the sale attributable to the parent in the Consolidated Statement of Profit or Loss on Net income from </span><span class=\"S712 SA7 S2\" id=\"t1f_18\">discontinued operations. </span><span class=\"S713 SA7 S2\" id=\"t1g_18\">Goodwill acquired in a business combination is tested for impairment annually or more frequently if events or </span><span class=\"S714 SA7 S2\" id=\"t1h_18\">changes in circumstances indicate. The goodwill is allocated to the cash-generating units that are expected to </span><span class=\"S715 SA7 S2\" id=\"t1i_18\">benefit from the synergies of the combinations. </span><span class=\"S585 SB S2\" id=\"t5_19\">2.4. </span><span class=\"S716 SB S2\" id=\"t6_19\">Accounting for acquisition [continued] </span><span class=\"S717 SA7 S2\" id=\"t7_19\">The Group calculates the fair value of identified assets and liabilities assumed on discounted cash-flow model. </span><span class=\"S718 SA7 S2\" id=\"t8_19\">The 3 year period explicit cash-flow model serves as a basis for the impairment test by which the Group defines </span><span class=\"S719 SA7 S2\" id=\"t9_19\">the impairment need on goodwill based on the strategic factors and financial data of its cash-generating units. </span><span class=\"S71A SA7 S2\" id=\"ta_19\">The Group, in its strategic plan, has taken into consideration the effects of the present global economic situation, </span><span class=\"S71B SA7 S2\" id=\"tb_19\">the present economic growth and outlook, the associated risks and their possible effect on the financial sector as </span><span class=\"S71C SA7 S2\" id=\"tc_19\">well as the current and expected availability of wholesale funding. </span><span class=\"S71D SA7 S2\" id=\"td_19\">Negative goodwill (gain from bargain purchase), when the interest of the acquirer in the net fair value of the </span><span class=\"S71E SA7 S2\" id=\"te_19\">acquired identifiable net assets exceeds the cost of the business combination, is recognized immediately in the </span><span class=\"S71F S5B9 S2\" id=\"tf_19\">Consolidated Statement of Profit or Loss as \u201cOther income\u201d. </span><span class=\"S5BC SB S2\" id=\"t6_38\">3.4. </span><span class=\"SAD9 SB S2\" id=\"t7_38\">Impairment on goodwill </span><span class=\"SADA SA7 S2\" id=\"t8_38\">Goodwill acquired in a business combination is tested for impairment annually or more frequently when there is </span><span class=\"S8F2 SA7 S2\" id=\"t9_38\">an indication that the unit might </span><span class=\"SADB S5B9 S2\" id=\"ta_38\">be impaired, in accordance with IAS 36 \u201cImpairment of assets\u201d. </span><span class=\"SADC SA7 S2\" id=\"tb_38\">The Group calculates the fair value based on discounted cash-flow model. The 3-year period explicit cash-flow </span><span class=\"SADD SA7 S2\" id=\"tc_38\">model serves as a basis for the impairment test by which the Group defines the impairment need on goodwill based </span><span class=\"SADE SA7 S2\" id=\"td_38\">on the strategic factors and financial data of its cash-generating units. In the calculation of the goodwill impairment, </span><span class=\"SADF SA7 S2\" id=\"te_38\">also the expectations about possible variations in the amount or timing of those future cash-flows, the time value </span><span class=\"SAE0 SA7 S2\" id=\"tf_38\">of money, represented by the current market risk-free rate of interest and other factors are reflected. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2728": {
   "value": "<span class=\"S6F3 SB S2\" id=\"tk_18\">2.3. </span><span class=\"S6F4 SB S2\" id=\"tl_18\">Principles of consolidation </span><span class=\"S6F5 SA7 S2\" id=\"tm_18\">As the ultimate parent, OTP Bank is preparing Consolidated Financial Statements of the Group. </span><span class=\"S6F6 SA7 S2\" id=\"tn_18\">These Consolidated Financial Statements combine the assets, liabilities, equity, income, expenses and cash flows </span><span class=\"S6F7 SA7 S2\" id=\"to_18\">of the Bank and of those subsidiaries of the Bank in which the Bank exercises control. </span><span class=\"S6F8 SA7 S2\" id=\"tp_18\">All intra-group transactions are consolidated fully on a line-by-line basis while under equity method other </span><span class=\"S6F9 SA7 S2\" id=\"tq_18\">consolidation rules are applied. Determination of the entities which are involved into the consolidation procedures </span><span class=\"S6FA S5B9 S2\" id=\"tr_18\">based on the determination of the Group\u2019s Control over </span><span class=\"S6FB SA7 S2\" id=\"ts_18\">another entity. Control exists when the Bank has power </span><span class=\"S6FC SA7 S2\" id=\"tt_18\">over the investee, is able to use this power and is exposed or has right to variable returns. Consolidation of a </span><span class=\"S6FD SA7 S2\" id=\"tu_18\">subsidiary should begin from the date when the Group obtains control and cease when the Group loses control. </span><span class=\"S6FE SA7 S2\" id=\"tv_18\">Therefore, income and expenses of a subsidiary should be included in the Consolidated Financial Statements from </span><span class=\"S6FF SA7 S2\" id=\"tw_18\">the date the Group gains control of the subsidiary until the date when the Group ceases to have control of the </span><span class=\"S700 SA7 S2\" id=\"tx_18\">subsidiary. </span><span class=\"S701 SA7 S2\" id=\"ty_18\">The list of the major fully consolidated subsidiaries, the percentage of issued capital owned by the Bank and the </span><span class=\"S702 SA7 S2\" id=\"tz_18\">description of their activities is provided in Note 43. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2732": {
   "value": "OTP Bank",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2733": {
   "value": "OTP Bank",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2747": {
   "value": "<span class=\"S703 SB S2\" id=\"t10_18\">2.4. </span><span class=\"S704 SB S2\" id=\"t11_18\">Accounting for acquisitions </span><span class=\"S705 SA7 S2\" id=\"t12_18\">Business combinations are accounted for using the acquisition method. Any goodwill arising on acquisition is </span><span class=\"S706 SA7 S2\" id=\"t13_18\">recognized in the Consolidated Statement of Financial Position and accounted for as indicated below. </span><span class=\"S707 SA7 S2\" id=\"t14_18\">The acquisition date is the date on which the acquirer effectively obtains control over the acquiree. Before this </span><span class=\"S708 SA7 S2\" id=\"t15_18\">date, it should be presented as Advance for investments within Other assets. </span><span class=\"S709 SA7 S2\" id=\"t16_18\">Goodwill, which represents the residual cost of the acquisition after obtaining the control over the acquiree in the </span><span class=\"S70A SA7 S2\" id=\"t17_18\">fair value of the identifiable assets acquired and liabilities assumed is held as an intangible asset and recorded at </span><span class=\"S70B SA7 S2\" id=\"t18_18\">cost less any accumulated impairment losses in the Consolidated Financial Statements. The Group tests goodwill </span><span class=\"S70C SA7 S2\" id=\"t19_18\">for impairment by comparing its recoverable amount with its carrying amount, and recognising any excess of the </span><span class=\"S70D SA7 S2\" id=\"t1a_18\">carrying amount over the recoverable amount an impairment loss. The recoverable amount of goodwill is the </span><span class=\"S70E SA7 S2\" id=\"t1b_18\">higher of its fair value less costs of disposal and its value in use. </span><span class=\"S70F SA7 S2\" id=\"t1c_18\">If the Group loses control of a subsidiary, derecognizes the assets (including any goodwill) and liabilities of the </span><span class=\"S710 SA7 S2\" id=\"t1d_18\">subsidiary at their carrying amounts at the date when control is lost and recognizes any difference as a gain or loss </span><span class=\"S711 SA7 S2\" id=\"t1e_18\">on the sale attributable to the parent in the Consolidated Statement of Profit or Loss on Net income from </span><span class=\"S712 SA7 S2\" id=\"t1f_18\">discontinued operations. </span><span class=\"S713 SA7 S2\" id=\"t1g_18\">Goodwill acquired in a business combination is tested for impairment annually or more frequently if events or </span><span class=\"S714 SA7 S2\" id=\"t1h_18\">changes in circumstances indicate. The goodwill is allocated to the cash-generating units that are expected to </span><span class=\"S715 SA7 S2\" id=\"t1i_18\">benefit from the synergies of the combinations. </span><span class=\"S585 SB S2\" id=\"t5_19\">2.4. </span><span class=\"S716 SB S2\" id=\"t6_19\">Accounting for acquisition [continued] </span><span class=\"S717 SA7 S2\" id=\"t7_19\">The Group calculates the fair value of identified assets and liabilities assumed on discounted cash-flow model. </span><span class=\"S718 SA7 S2\" id=\"t8_19\">The 3 year period explicit cash-flow model serves as a basis for the impairment test by which the Group defines </span><span class=\"S719 SA7 S2\" id=\"t9_19\">the impairment need on goodwill based on the strategic factors and financial data of its cash-generating units. </span><span class=\"S71A SA7 S2\" id=\"ta_19\">The Group, in its strategic plan, has taken into consideration the effects of the present global economic situation, </span><span class=\"S71B SA7 S2\" id=\"tb_19\">the present economic growth and outlook, the associated risks and their possible effect on the financial sector as </span><span class=\"S71C SA7 S2\" id=\"tc_19\">well as the current and expected availability of wholesale funding. </span><span class=\"S71D SA7 S2\" id=\"td_19\">Negative goodwill (gain from bargain purchase), when the interest of the acquirer in the net fair value of the </span><span class=\"S71E SA7 S2\" id=\"te_19\">acquired identifiable net assets exceeds the cost of the business combination, is recognized immediately in the </span><span class=\"S71F S5B9 S2\" id=\"tf_19\">Consolidated Statement of Profit or Loss as \u201cOther income\u201d. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2748": {
   "value": "<span class=\"S703 SB S2\" id=\"t10_18\">2.4. </span><span class=\"S704 SB S2\" id=\"t11_18\">Accounting for acquisitions </span><span class=\"S705 SA7 S2\" id=\"t12_18\">Business combinations are accounted for using the acquisition method. Any goodwill arising on acquisition is </span><span class=\"S706 SA7 S2\" id=\"t13_18\">recognized in the Consolidated Statement of Financial Position and accounted for as indicated below. </span><span class=\"S707 SA7 S2\" id=\"t14_18\">The acquisition date is the date on which the acquirer effectively obtains control over the acquiree. Before this </span><span class=\"S708 SA7 S2\" id=\"t15_18\">date, it should be presented as Advance for investments within Other assets. </span><span class=\"S709 SA7 S2\" id=\"t16_18\">Goodwill, which represents the residual cost of the acquisition after obtaining the control over the acquiree in the </span><span class=\"S70A SA7 S2\" id=\"t17_18\">fair value of the identifiable assets acquired and liabilities assumed is held as an intangible asset and recorded at </span><span class=\"S70B SA7 S2\" id=\"t18_18\">cost less any accumulated impairment losses in the Consolidated Financial Statements. The Group tests goodwill </span><span class=\"S70C SA7 S2\" id=\"t19_18\">for impairment by comparing its recoverable amount with its carrying amount, and recognising any excess of the </span><span class=\"S70D SA7 S2\" id=\"t1a_18\">carrying amount over the recoverable amount an impairment loss. The recoverable amount of goodwill is the </span><span class=\"S70E SA7 S2\" id=\"t1b_18\">higher of its fair value less costs of disposal and its value in use. </span><span class=\"S70F SA7 S2\" id=\"t1c_18\">If the Group loses control of a subsidiary, derecognizes the assets (including any goodwill) and liabilities of the </span><span class=\"S710 SA7 S2\" id=\"t1d_18\">subsidiary at their carrying amounts at the date when control is lost and recognizes any difference as a gain or loss </span><span class=\"S711 SA7 S2\" id=\"t1e_18\">on the sale attributable to the parent in the Consolidated Statement of Profit or Loss on Net income from </span><span class=\"S712 SA7 S2\" id=\"t1f_18\">discontinued operations. </span><span class=\"S713 SA7 S2\" id=\"t1g_18\">Goodwill acquired in a business combination is tested for impairment annually or more frequently if events or </span><span class=\"S714 SA7 S2\" id=\"t1h_18\">changes in circumstances indicate. The goodwill is allocated to the cash-generating units that are expected to </span><span class=\"S715 SA7 S2\" id=\"t1i_18\">benefit from the synergies of the combinations. </span><span class=\"S585 SB S2\" id=\"t5_19\">2.4. </span><span class=\"S716 SB S2\" id=\"t6_19\">Accounting for acquisition [continued] </span><span class=\"S717 SA7 S2\" id=\"t7_19\">The Group calculates the fair value of identified assets and liabilities assumed on discounted cash-flow model. </span><span class=\"S718 SA7 S2\" id=\"t8_19\">The 3 year period explicit cash-flow model serves as a basis for the impairment test by which the Group defines </span><span class=\"S719 SA7 S2\" id=\"t9_19\">the impairment need on goodwill based on the strategic factors and financial data of its cash-generating units. </span><span class=\"S71A SA7 S2\" id=\"ta_19\">The Group, in its strategic plan, has taken into consideration the effects of the present global economic situation, </span><span class=\"S71B SA7 S2\" id=\"tb_19\">the present economic growth and outlook, the associated risks and their possible effect on the financial sector as </span><span class=\"S71C SA7 S2\" id=\"tc_19\">well as the current and expected availability of wholesale funding. </span><span class=\"S71D SA7 S2\" id=\"td_19\">Negative goodwill (gain from bargain purchase), when the interest of the acquirer in the net fair value of the </span><span class=\"S71E SA7 S2\" id=\"te_19\">acquired identifiable net assets exceeds the cost of the business combination, is recognized immediately in the </span><span class=\"S71F S5B9 S2\" id=\"tf_19\">Consolidated Statement of Profit or Loss as \u201cOther income\u201d. </span><span class=\"S5BC SB S2\" id=\"t6_38\">3.4. </span><span class=\"SAD9 SB S2\" id=\"t7_38\">Impairment on goodwill </span><span class=\"SADA SA7 S2\" id=\"t8_38\">Goodwill acquired in a business combination is tested for impairment annually or more frequently when there is </span><span class=\"S8F2 SA7 S2\" id=\"t9_38\">an indication that the unit might </span><span class=\"SADB S5B9 S2\" id=\"ta_38\">be impaired, in accordance with IAS 36 \u201cImpairment of assets\u201d. </span><span class=\"SADC SA7 S2\" id=\"tb_38\">The Group calculates the fair value based on discounted cash-flow model. The 3-year period explicit cash-flow </span><span class=\"SADD SA7 S2\" id=\"tc_38\">model serves as a basis for the impairment test by which the Group defines the impairment need on goodwill based </span><span class=\"SADE SA7 S2\" id=\"td_38\">on the strategic factors and financial data of its cash-generating units. In the calculation of the goodwill impairment, </span><span class=\"SADF SA7 S2\" id=\"te_38\">also the expectations about possible variations in the amount or timing of those future cash-flows, the time value </span><span class=\"SAE0 SA7 S2\" id=\"tf_38\">of money, represented by the current market risk-free rate of interest and other factors are reflected. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2749": {
   "value": "<span class=\"S703 SB S2\" id=\"t10_18\">2.4. </span><span class=\"S704 SB S2\" id=\"t11_18\">Accounting for acquisitions </span><span class=\"S705 SA7 S2\" id=\"t12_18\">Business combinations are accounted for using the acquisition method. Any goodwill arising on acquisition is </span><span class=\"S706 SA7 S2\" id=\"t13_18\">recognized in the Consolidated Statement of Financial Position and accounted for as indicated below. </span><span class=\"S707 SA7 S2\" id=\"t14_18\">The acquisition date is the date on which the acquirer effectively obtains control over the acquiree. Before this </span><span class=\"S708 SA7 S2\" id=\"t15_18\">date, it should be presented as Advance for investments within Other assets. </span><span class=\"S709 SA7 S2\" id=\"t16_18\">Goodwill, which represents the residual cost of the acquisition after obtaining the control over the acquiree in the </span><span class=\"S70A SA7 S2\" id=\"t17_18\">fair value of the identifiable assets acquired and liabilities assumed is held as an intangible asset and recorded at </span><span class=\"S70B SA7 S2\" id=\"t18_18\">cost less any accumulated impairment losses in the Consolidated Financial Statements. The Group tests goodwill </span><span class=\"S70C SA7 S2\" id=\"t19_18\">for impairment by comparing its recoverable amount with its carrying amount, and recognising any excess of the </span><span class=\"S70D SA7 S2\" id=\"t1a_18\">carrying amount over the recoverable amount an impairment loss. The recoverable amount of goodwill is the </span><span class=\"S70E SA7 S2\" id=\"t1b_18\">higher of its fair value less costs of disposal and its value in use. </span><span class=\"S70F SA7 S2\" id=\"t1c_18\">If the Group loses control of a subsidiary, derecognizes the assets (including any goodwill) and liabilities of the </span><span class=\"S710 SA7 S2\" id=\"t1d_18\">subsidiary at their carrying amounts at the date when control is lost and recognizes any difference as a gain or loss </span><span class=\"S711 SA7 S2\" id=\"t1e_18\">on the sale attributable to the parent in the Consolidated Statement of Profit or Loss on Net income from </span><span class=\"S712 SA7 S2\" id=\"t1f_18\">discontinued operations. </span><span class=\"S713 SA7 S2\" id=\"t1g_18\">Goodwill acquired in a business combination is tested for impairment annually or more frequently if events or </span><span class=\"S714 SA7 S2\" id=\"t1h_18\">changes in circumstances indicate. The goodwill is allocated to the cash-generating units that are expected to </span><span class=\"S715 SA7 S2\" id=\"t1i_18\">benefit from the synergies of the combinations. </span><span class=\"S585 SB S2\" id=\"t5_19\">2.4. </span><span class=\"S716 SB S2\" id=\"t6_19\">Accounting for acquisition [continued] </span><span class=\"S717 SA7 S2\" id=\"t7_19\">The Group calculates the fair value of identified assets and liabilities assumed on discounted cash-flow model. </span><span class=\"S718 SA7 S2\" id=\"t8_19\">The 3 year period explicit cash-flow model serves as a basis for the impairment test by which the Group defines </span><span class=\"S719 SA7 S2\" id=\"t9_19\">the impairment need on goodwill based on the strategic factors and financial data of its cash-generating units. </span><span class=\"S71A SA7 S2\" id=\"ta_19\">The Group, in its strategic plan, has taken into consideration the effects of the present global economic situation, </span><span class=\"S71B SA7 S2\" id=\"tb_19\">the present economic growth and outlook, the associated risks and their possible effect on the financial sector as </span><span class=\"S71C SA7 S2\" id=\"tc_19\">well as the current and expected availability of wholesale funding. </span><span class=\"S71D SA7 S2\" id=\"td_19\">Negative goodwill (gain from bargain purchase), when the interest of the acquirer in the net fair value of the </span><span class=\"S71E SA7 S2\" id=\"te_19\">acquired identifiable net assets exceeds the cost of the business combination, is recognized immediately in the </span><span class=\"S71F S5B9 S2\" id=\"tf_19\">Consolidated Statement of Profit or Loss as \u201cOther income\u201d. </span><span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span><span class=\"S5BC SB S2\" id=\"t6_38\">3.4. </span><span class=\"SAD9 SB S2\" id=\"t7_38\">Impairment on goodwill </span><span class=\"SADA SA7 S2\" id=\"t8_38\">Goodwill acquired in a business combination is tested for impairment annually or more frequently when there is </span><span class=\"S8F2 SA7 S2\" id=\"t9_38\">an indication that the unit might </span><span class=\"SADB S5B9 S2\" id=\"ta_38\">be impaired, in accordance with IAS 36 \u201cImpairment of assets\u201d. </span><span class=\"SADC SA7 S2\" id=\"tb_38\">The Group calculates the fair value based on discounted cash-flow model. The 3-year period explicit cash-flow </span><span class=\"SADD SA7 S2\" id=\"tc_38\">model serves as a basis for the impairment test by which the Group defines the impairment need on goodwill based </span><span class=\"SADE SA7 S2\" id=\"td_38\">on the strategic factors and financial data of its cash-generating units. In the calculation of the goodwill impairment, </span><span class=\"SADF SA7 S2\" id=\"te_38\">also the expectations about possible variations in the amount or timing of those future cash-flows, the time value </span><span class=\"SAE0 SA7 S2\" id=\"tf_38\">of money, represented by the current market risk-free rate of interest and other factors are reflected. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2796": {
   "value": "<span class=\"S720 SB S2\" id=\"tg_19\">2.5. </span><span class=\"S721 SB S2\" id=\"th_19\">Securities at amortized cost </span><span class=\"S722 SA7 S2\" id=\"ti_19\">The Group measures at amortized cost those securities which are held for contractual cash collecting purposes, </span><span class=\"S723 SA7 S2\" id=\"tj_19\">and contractual terms of these securities give rise to cash flows that are solely payment of principal and interest </span><span class=\"S724 SA7 S2\" id=\"tk_19\">on the principal amount outstanding. The Group initially recognizes these securities at fair value. Securities at </span><span class=\"S725 S5B9 S2\" id=\"tl_19\">amortized cost are subsequently measured using the effective interest (\u201cEIR\u201d) method and are subject to </span><span class=\"S726 SA7 S2\" id=\"tm_19\">impairment. The amortisation of any discount or premium on the acquisition of a security at amortized cost is part </span><span class=\"S727 SA7 S2\" id=\"tn_19\">of the amortized cost and is recognized as interest income so that the revenue recognized in each period represents </span><span class=\"S728 SA7 S2\" id=\"to_19\">a constant yield on the investment. Securities at amortized cost are accounted for on a trade date basis. </span><span class=\"S729 SA7 S2\" id=\"tp_19\">Such securities comprise mainly securities issued by the Hungarian and foreign Governments, corporate bonds, </span><span class=\"S72A SA7 S2\" id=\"tq_19\">mortgage bonds and discounted treasury bills. </span><span class=\"S72B SB S2\" id=\"tr_19\">2.6. </span><span class=\"S72C SB S2\" id=\"ts_19\">Financial assets at fair value through profit or loss </span><span class=\"S72D SB S2\" id=\"tt_19\">2.6.1. </span><span class=\"S72E SB S2\" id=\"tu_19\">Securities held for trading </span><span class=\"S72F SA7 S2\" id=\"tv_19\">Investments in securities are accounted for on a trade date basis and are initially measured at fair value. Securities </span><span class=\"S730 SA7 S2\" id=\"tw_19\">held for trading are measured at subsequent reporting dates at fair value, so unrealized gains and losses on held for </span><span class=\"S731 SA7 S2\" id=\"tx_19\">trading securities are recognized in profit or loss and included in the Consolidated Statement of Profit or Loss for </span><span class=\"S732 SA7 S2\" id=\"ty_19\">the period. The Group holds held for trading securities within the business model to obtain short-term gains, </span><span class=\"S733 SA7 S2\" id=\"tz_19\">consequently realized and unrealized gains and losses are recognized in the net operating income, while interest </span><span class=\"S734 SA7 S2\" id=\"t10_19\">income is recognized in income similar to interest income. </span><span class=\"S735 SA7 S2\" id=\"t11_19\">Such securities consist of equity instruments, shares in investment funds, Hungarian and foreign government </span><span class=\"S736 SA7 S2\" id=\"t12_19\">bonds, corporate bonds, discounted treasury bills, mortgage bonds and other securities. </span><span class=\"S737 SB S2\" id=\"t13_19\">2.6.2. </span><span class=\"S738 SB S2\" id=\"t14_19\">Financial assets designated as fair value through profit or loss </span><span class=\"S739 SA7 S2\" id=\"t15_19\">The Group may - at initial recognition - irrevocable designate a financial asset as measured at fair value through </span><span class=\"S73A SA7 S2\" id=\"t16_19\">profit or loss that would otherwise be measured at fair value through other comprehensive income or at amortized </span><span class=\"S73B SA7 S2\" id=\"t17_19\">cost. </span><span class=\"S73C SA7 S2\" id=\"t18_19\">The Group uses fair value designation if the classification eliminates or significantly reduces a measurement or </span><span class=\"S73D SA7 S2\" id=\"t19_19\">recognition inconsistency that would otherwise arise from measuring assets or liabilities or recognising the gains </span><span class=\"S73E SA7 S2\" id=\"t1a_19\">and losses on them on different ba</span><span class=\"S73F S5B9 S2\" id=\"t1b_19\">ses (\u2018accounting mismatch\u2019). </span><span class=\"S740 SA7 S2\" id=\"t1c_19\">The use of the fair value designation is based only on direct decision of management of the Group. The Group </span><span class=\"S741 S5B9 S2\" id=\"t1d_19\">currently doesn\u2019t apply this method. </span><span class=\"S585 SB S2\" id=\"t5_20\">2.6. </span><span class=\"S742 SB S2\" id=\"t6_20\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S743 SB S2\" id=\"t7_20\">2.6.3. </span><span class=\"S744 SB S2\" id=\"t8_20\">Derivative financial instruments </span><span class=\"S745 SA7 S2\" id=\"t9_20\">In the normal course of business, the Group is a party to contracts for derivative financial instruments, which </span><span class=\"S746 SA7 S2\" id=\"ta_20\">represent a low initial investment compared to the notional value of the contract and their value depends on value </span><span class=\"S747 SA7 S2\" id=\"tb_20\">of underlying asset and are settled in the future. The derivative financial instruments used include interest rate </span><span class=\"S748 SA7 S2\" id=\"tc_20\">forward or swap agreements and currency forward or swap agreements and options. These financial instruments </span><span class=\"S749 SA7 S2\" id=\"td_20\">are used by the Group both for trading purposes and to hedge interest rate risk and currency exposures associated </span><span class=\"S74A SA7 S2\" id=\"te_20\">with its transactions in the financial markets (it is the so-called economic hedge, accounting hedge is described </span><span class=\"S74B SA7 S2\" id=\"tf_20\">later). </span><span class=\"S74C SA7 S2\" id=\"tg_20\">Derivative financial instruments are accounted for on a trade date basis and are initially measured at fair value and </span><span class=\"S74D SA7 S2\" id=\"th_20\">at subsequent reporting dates also at fair value. Fair values are obtained from quoted market prices, discounted </span><span class=\"S74E SA7 S2\" id=\"ti_20\">cash-flow models and option pricing models as appropriate. The Group adopts a multi curve valuation approach </span><span class=\"S74F SA7 S2\" id=\"tj_20\">for calculating the net present value of future cash-flows </span><span class=\"S750 S5B9 S2\" id=\"tk_20\">\u2013 </span><span class=\"S751 SA7 S2\" id=\"tl_20\">based on different curves used for determining forward </span><span class=\"S752 SA7 S2\" id=\"tm_20\">rates and used for discounting purposes. It shows the best estimation of such derivative deals that are collateralised </span><span class=\"S753 SA7 S2\" id=\"tn_20\">as the Group has almost all of its open derivative transactions collateralised. </span><span class=\"S754 SA7 S2\" id=\"to_20\">Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognized </span><span class=\"S755 SA7 S2\" id=\"tp_20\">in profit or loss and are included in the Consolidated Statement of Profit or Loss for the period. Each derivative </span><span class=\"S6C3 SA7 S2\" id=\"tq_20\">deal is determined as asset when fair value is positive and as liability when fair value is negative. </span><span class=\"S756 SA7 S2\" id=\"tr_20\">Certain derivative transactions, while providing effective economic hedges under the risk management policy of </span><span class=\"S757 SA7 S2\" id=\"ts_20\">the Group, do not qualify for hedge accounting under the specific rules of IFRS 9 and are therefore treated as </span><span class=\"S758 SA7 S2\" id=\"tt_20\">derivatives held for trading with fair value gains and losses charged directly to the Consolidated Statement of </span><span class=\"S759 SA7 S2\" id=\"tu_20\">Profit or Loss. </span><span class=\"S75A SC S2\" id=\"tv_20\">Foreign currency contracts </span><span class=\"S75B SA7 S2\" id=\"tw_20\">Foreign currency contracts are agreements to exchange specific amounts of currencies at a specified rate of </span><span class=\"S75C SA7 S2\" id=\"tx_20\">exchange, at a spot date (settlement occurs two days after the trade date) or at a forward date (settlement occurs </span><span class=\"S75D SA7 S2\" id=\"ty_20\">more than two days after the trade date). The notional amount of these forward contracts does not represent the </span><span class=\"S75E SA7 S2\" id=\"tz_20\">actual market or credit risk associated with these contracts. </span><span class=\"S75F SA7 S2\" id=\"t10_20\">Foreign currency contracts are used by the Group for risk management and trading purposes. The risk management </span><span class=\"S760 SA7 S2\" id=\"t11_20\">foreign currency contracts of the Group were used to hedge the exchange rate fluctuations of loans and deposits to </span><span class=\"S761 SA7 S2\" id=\"t12_20\">credit institutions denominated in foreign currency. </span><span class=\"S762 SC S2\" id=\"t13_20\">Foreign exchange swaps and interest rate swaps </span><span class=\"S763 S5B9 S2\" id=\"t14_20\">The Group enters into foreign exchange swap and interest rate swap (\u201cIRS\u201d) transactions. The swap transaction is </span><span class=\"S764 SA7 S2\" id=\"t15_20\">an agreement concerning the swap of certain financial instruments, which usually consists of spot and one or more </span><span class=\"S765 SA7 S2\" id=\"t16_20\">forward contracts. </span><span class=\"S766 SA7 S2\" id=\"t17_20\">IRS transactions oblige two parties to exchange one or more payments calculated with reference to fixed or </span><span class=\"S767 SA7 S2\" id=\"t18_20\">periodically reset rates of interest applied to a specific notional principal amount (the base of the interest </span><span class=\"S768 SA7 S2\" id=\"t19_20\">calculation). Notional principal is the amount upon which interest rates are applied to determine the payment </span><span class=\"S769 SA7 S2\" id=\"t1a_20\">streams under IRS transactions. Such notional principal amounts often are used to express the volume of these </span><span class=\"S76A SA7 S2\" id=\"t1b_20\">transactions but are not actually exchanged between the counterparties. </span><span class=\"S76B SA7 S2\" id=\"t1c_20\">IRS transactions are used by the Group for risk management and trading purposes. </span><span class=\"S76C SC S2\" id=\"t1d_20\">Cross-currency interest rate swaps </span><span class=\"S76D SA7 S2\" id=\"t1e_20\">The Group enters into cross-currency interest rate swap (CCIRS) transactions which have special attributes, i.e. </span><span class=\"S76E SA7 S2\" id=\"t1f_20\">the parties exchange the notional amount at the beginning and also at the maturity of the transaction. A special </span><span class=\"S76F SA7 S2\" id=\"t1g_20\">type of these deals is the mark-to-market CCIRS agreements. For these kind of transactions the parties </span><span class=\"S770 S5B9 S2\" id=\"t1h_20\">\u2013 </span><span class=\"S771 SA7 S2\" id=\"t1i_20\">in </span><span class=\"S772 SA7 S2\" id=\"t1j_20\">accordance with the foreign exchange prices </span><span class=\"S773 S5B9 S2\" id=\"t1k_20\">\u2013 </span><span class=\"S774 SA7 S2\" id=\"t1l_20\">revalue the notional amount during lifetime of the transaction. </span><span class=\"S585 SB S2\" id=\"t5_21\">2.6. </span><span class=\"S775 SB S2\" id=\"t6_21\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S776 SB S2\" id=\"t7_21\">2.6.3   Derivative financial instruments [continued] </span><span class=\"S777 SC S2\" id=\"t8_21\">Equity and commodity swaps </span><span class=\"S778 SA7 S2\" id=\"t9_21\">Equity swaps obligate two parties to exchange more payments calculated with reference to periodically reset rates </span><span class=\"S779 SA7 S2\" id=\"ta_21\">of interest and performance of indices. A specific notional principal amount is the base of the interest calculation. </span><span class=\"S77A SA7 S2\" id=\"tb_21\">The payment of index return is calculated on the basis of current market price compared to the previous market </span><span class=\"S77B SA7 S2\" id=\"tc_21\">price. In case of commodity swaps payments are calculated on the basis of the strike price of a predefined </span><span class=\"S77C SA7 S2\" id=\"td_21\">commodity compared to its average market price in a period. </span><span class=\"S77D SC S2\" id=\"te_21\">Forward rate agreements (FRA) </span><span class=\"S77E SA7 S2\" id=\"tf_21\">A forward rate agreement is an agreement to settle amounts at a specified future date based on the difference </span><span class=\"S77F SA7 S2\" id=\"tg_21\">between an interest rate index and an agreed upon fixed rate. Market risk arises from changes in the market value </span><span class=\"S780 SA7 S2\" id=\"th_21\">of contractual positions caused by movements in interest rates. </span><span class=\"S781 SA7 S2\" id=\"ti_21\">The Group limits its exposure to market risk by entering into generally matching or offsetting positions and by </span><span class=\"S782 SA7 S2\" id=\"tj_21\">establishing and monitoring limits on unmatched positions. Credit risk is managed through approval procedures </span><span class=\"S783 S5B9 S2\" id=\"tk_21\">that establish specific limits for individual counterparties. The Group\u2019s forward rate agreements were transacted </span><span class=\"S784 SA7 S2\" id=\"tl_21\">for management of interest rate exposures and have been accounted for at mark-to-market fair value. </span><span class=\"S785 SC S2\" id=\"tm_21\">Foreign exchange options </span><span class=\"S786 SA7 S2\" id=\"tn_21\">A foreign exchange option is a derivative financial instrument that gives the owner the right to exchange money </span><span class=\"S787 SA7 S2\" id=\"to_21\">denominated in one currency into another currency at a pre-agreed exchange rate at a specified future date. The </span><span class=\"S788 SA7 S2\" id=\"tp_21\">transaction, for a fee, guarantees a worst-case exchange rate for the futures purchase of one currency for another. </span><span class=\"S789 SA7 S2\" id=\"tq_21\">These options protect against unfavourable currency movements while preserving the ability to participate in </span><span class=\"S78A SA7 S2\" id=\"tr_21\">favourable movements. </span><span class=\"S78B SB S2\" id=\"ts_21\">2.7. </span><span class=\"S78C SB S2\" id=\"tt_21\">Hedge accounting </span><span class=\"S78D SB S2\" id=\"tu_21\">Derivative financial instruments designated as a fair-value hedge </span><span class=\"S78E SA7 S2\" id=\"tv_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instruments in fair value hedges </span><span class=\"S78F SA7 S2\" id=\"tw_21\">and that prove to be highly effective in relation to the hedged risk, are recorded in the Consolidated Statement of </span><span class=\"S790 SA7 S2\" id=\"tx_21\">Profit or Loss along with the corresponding change in fair value of the hedged asset or liability that is attributable </span><span class=\"S791 SA7 S2\" id=\"ty_21\">to the specific hedged risk. Changes in the fair value of hedging instrument in fair value hedges is charged directly </span><span class=\"S792 SA7 S2\" id=\"tz_21\">to the Consolidated Statement of Profit or Loss. </span><span class=\"S793 SA7 S2\" id=\"t10_21\">The conditions of hedge accounting applied by the Bank are the following: formally designated as hedge </span><span class=\"S794 SA7 S2\" id=\"t11_21\">relationship, proper hedge documentation is prepared, effectiveness test is performed and based on it the hedge is </span><span class=\"S795 SA7 S2\" id=\"t12_21\">qualified as effective. In the case of a financial instrument measured at amortised cost the Group recognises the </span><span class=\"S796 SA7 S2\" id=\"t13_21\">hedging gain or loss on the hedged item as the modification of its carrying amount and it is recognised in profit or </span><span class=\"S797 SA7 S2\" id=\"t14_21\">loss. These adjustments of the carrying amount are amortised to the profit or loss using the effective interest rate </span><span class=\"S798 SA7 S2\" id=\"t15_21\">method. The Group starts the amortisation when the hedged item is no longer adjusted by the hedging gains or </span><span class=\"S799 SA7 S2\" id=\"t16_21\">losses. If the hedged item is derecognised, the Group recognises the unamortised fair value in profit or loss </span><span class=\"S79A SA7 S2\" id=\"t17_21\">immediately. For fair value hedges inefficiencies and the net revaluation of hedged and hedging item are </span><span class=\"S79B SA7 S2\" id=\"t18_21\">recognized in the Net results on derivative instruments and hedge relationships. </span><span class=\"S79C SA7 S2\" id=\"t19_21\">The Group implemented hedge accounting rules prescribed by IFRS 9 in 2018. For further details please see Note </span><span class=\"S79D SA7 S2\" id=\"t1a_21\">48.3. </span><span class=\"S79E SB S2\" id=\"t1b_21\">Derivative financial instruments designated as cash-flow hedge </span><span class=\"S79F SA7 S2\" id=\"t1c_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instrument in cash-flow hedges </span><span class=\"S7A0 SA7 S2\" id=\"t1d_21\">and that prove to be highly effective in relation to the hedged risk are recognized in their effective portion as </span><span class=\"S7A1 SA7 S2\" id=\"t1e_21\">reserve in Other Comprehensive Income. The ineffective element of the changes in fair value of hedging </span><span class=\"S7A2 SA7 S2\" id=\"t1f_21\">instrument is charged directly to the Consolidated Statement of Profit or Loss. </span><span class=\"S585 SB S2\" id=\"t5_22\">2.7. </span><span class=\"S7A4 SB S2\" id=\"t6_22\">Hedge accounting [continued] </span><span class=\"S7A5 SB S2\" id=\"t7_22\">Derivative financial instruments designated as cash-flow hedge [continued] </span><span class=\"S7A6 SA7 S2\" id=\"t8_22\">The Group terminates the hedge relationship if the hedging instrument expires or is sold, terminated or exercised, </span><span class=\"S7A7 SA7 S2\" id=\"t9_22\">or the hedge no longer meets the criteria for hedge accounting. In the case of cash-flow hedges </span><span class=\"S7A8 S5B9 S2\" id=\"ta_22\">\u2013 </span><span class=\"S7A9 SA7 S2\" id=\"tb_22\">in line with the </span><span class=\"S7AA SA7 S2\" id=\"tc_22\">standard - hedge accounting is still applied by the Group as long as the underlying asset is derecognized or </span><span class=\"S7AB SA7 S2\" id=\"td_22\">terminated. When the Group discontinues hedge accounting to a cash-flow hedge the amount in the cash flow </span><span class=\"S7AC SA7 S2\" id=\"te_22\">hedge reserve is reclassified to the profit or loss if the hedged future cash flows are no longer expected to occur. </span><span class=\"S7AD SA7 S2\" id=\"tf_22\">If the hedged future cash flows are still expected to occur, the amount remains in the cashflow hedge reserve and </span><span class=\"S7AE SA7 S2\" id=\"tg_22\">reclassified to the profit and loss only when the future cash flows occur. </span><span class=\"S71F SB S2\" id=\"th_22\">Net investment hedge in foreign operations </span><span class=\"S7AF SA7 S2\" id=\"ti_22\">Hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as </span><span class=\"S7B0 SA7 S2\" id=\"tj_22\">part of the net investment, shall be accounted for similarly to cash flow hedges. </span><span class=\"S7B1 SA7 S2\" id=\"tk_22\">On the disposal of a foreign operation, the cumulative value of any gains and losses recognized in Other </span><span class=\"S7B2 SA7 S2\" id=\"tl_22\">Comprehensive Income is transferred to the Consolidated Statement of Profit or Loss. The Group has terminated </span><span class=\"S7B3 SA7 S2\" id=\"tm_22\">these transactions since 2020. </span><span class=\"S7B4 SB S2\" id=\"tn_22\">2.8. </span><span class=\"S7B5 SB S2\" id=\"to_22\">Offsetting </span><span class=\"S7B6 SA7 S2\" id=\"tp_22\">Financial assets and liabilities are offset and the net amount is reported in the Consolidated Statement of Financial </span><span class=\"S7B7 SA7 S2\" id=\"tq_22\">Position when the Group has a legally enforceable right to set off the recognized amounts and the transactions are </span><span class=\"S7B8 SA7 S2\" id=\"tr_22\">intended to be reported in the Consolidated Statement of Financial Position on a net basis. In case of the derivative </span><span class=\"S7B9 SA7 S2\" id=\"ts_22\">financial instruments the Group applies offsetting and net presentation in the Consolidated Statement of Financial </span><span class=\"S7BA SA7 S2\" id=\"tt_22\">Position when the Group has the right and the ability to settle these assets and liabilities on a net basis. </span><span class=\"S7BB SB S2\" id=\"tu_22\">2.9. </span><span class=\"S7BC SB S2\" id=\"tv_22\">Embedded derivatives </span><span class=\"S7BD SA7 S2\" id=\"tw_22\">Sometimes, a derivative may be a component of a combined or hybrid contract that includes a host contract and a </span><span class=\"S7BE SA7 S2\" id=\"tx_22\">derivative (the embedded derivative) affecting cash-flows or otherwise modifying the characteristics of the host </span><span class=\"S7BF SA7 S2\" id=\"ty_22\">instrument. An embedded derivative must be separated from the host instrument and accounted for as a separate </span><span class=\"S7C0 SA7 S2\" id=\"tz_22\">derivative if, and only if: </span><span class=\"S7C1 S602 S2\" id=\"t10_22\">\u2022 </span><span class=\"S7C2 SA7 S2\" id=\"t11_22\">The economic characteristics and risks of the embedded derivative are not closely related to the economic </span><span class=\"S7C3 SA7 S2\" id=\"t12_22\">characteristics and risks of the host contract; </span><span class=\"S7C4 S602 S2\" id=\"t13_22\">\u2022 </span><span class=\"S7C5 SA7 S2\" id=\"t14_22\">A separate financial instrument with the same terms as the embedded derivative would meet the definition </span><span class=\"S7C6 SA7 S2\" id=\"t15_22\">of a derivative as a stand-alone instrument; and </span><span class=\"S7C7 S602 S2\" id=\"t16_22\">\u2022 </span><span class=\"S7C8 SA7 S2\" id=\"t17_22\">The host instrument is not measured at fair value or is measured at fair value but changes in fair value are </span><span class=\"S7C9 SA7 S2\" id=\"t18_22\">recognized in Other Comprehensive Income. </span><span class=\"S7CA SA7 S2\" id=\"t19_22\">As long as a hybrid contract contains a host that is a financial asset the general accounting rules for classification, </span><span class=\"S7CB SA7 S2\" id=\"t1a_22\">recognition and measurement of financial assets are applicable for the whole contract and no embedded derivative </span><span class=\"S7CC SA7 S2\" id=\"t1b_22\">is separated. </span><span class=\"S7CD SA7 S2\" id=\"t1c_22\">Derivatives that are required to be separated are measured at fair value at initial recognition and subsequently. If </span><span class=\"S7CE SA7 S2\" id=\"t1d_22\">the Group is unable to measure the embedded derivative separately either at acquisition or at the end of a </span><span class=\"S7CF SA7 S2\" id=\"t1e_22\">subsequent financial reporting period, the Group shall designate the entire hybrid contract as at fair value through </span><span class=\"S7D0 SA7 S2\" id=\"t1f_22\">profit or loss. The Group shall assess whether an embedded derivative is required to be separated from the host </span><span class=\"S7D1 SA7 S2\" id=\"t1g_22\">contract and accounted for as a derivative when the Bank first becomes a party to the contract. </span><span class=\"S7D2 SA7 S2\" id=\"t1h_22\">The separation rules for embedded derivatives are only relevant for financial liabilities. </span><span class=\"S7D3 SB S2\" id=\"t1i_22\">2.10. </span><span class=\"S7D4 SB S2\" id=\"t1j_22\">Securities at fair value through other comprehensive income </span><span class=\"S7D5 SA7 S2\" id=\"t1k_22\">Securities at fair value through other comprehensive income are held within a business model whose objective is </span><span class=\"S7D6 SA7 S2\" id=\"t1l_22\">achieved by both collecting of contractual cash flows and selling securities. Furthermore, the contractual terms of </span><span class=\"S7D7 SA7 S2\" id=\"t1m_22\">these securities give rise on specified dates to cash flows that are solely payment of principal and interest on the </span><span class=\"S7D8 SA7 S2\" id=\"t1n_22\">principal amount outstanding. </span><span class=\"S7D9 SB S2\" id=\"t5_23\">2.10. </span><span class=\"S7DA SB S2\" id=\"t6_23\">Securities at fair value through other comprehensive income [continued] </span><span class=\"S7DB SB S2\" id=\"t7_23\">Debt instruments </span><span class=\"S7DC SA7 S2\" id=\"t8_23\">Investments in debt securities are accounted for on a trade date basis and are initially measured at fair value. </span><span class=\"S7DD SA7 S2\" id=\"t9_23\">Securities at fair value through other comprehensive income are measured at subsequent reporting dates at fair </span><span class=\"S7DE SA7 S2\" id=\"ta_23\">value. Unrealized gains and losses on securities at fair value through other comprehensive income are recognized </span><span class=\"S7DF SA7 S2\" id=\"tb_23\">directly in Other Comprehensive Income, except for interest and foreign exchange gains/losses on monetary items, </span><span class=\"S7E0 SA7 S2\" id=\"tc_23\">unless such financial asset at fair value through other comprehensive income is part of an effective hedge. Such </span><span class=\"S7E1 SA7 S2\" id=\"td_23\">gains and losses are reported when realized in Consolidated Statement of Profit or Loss for the applicable period. </span><span class=\"S7E2 SA7 S2\" id=\"te_23\">For debt securities at fair value through other comprehensive income the loss allowance is calculated based on </span><span class=\"S7E3 SA7 S2\" id=\"tf_23\">expected credit loss model. The expected credit loss is accounted for against Other Comprehensive Income. </span><span class=\"S7E4 SA7 S2\" id=\"tg_23\">Securities at fair value through other comprehensive income are remeasured at fair value based on quoted prices </span><span class=\"S7E5 SA7 S2\" id=\"th_23\">or amounts derived from cash-flow models. In circumstances where the quoted market prices are not readily </span><span class=\"S7E6 SA7 S2\" id=\"ti_23\">available, the fair value of debt securities is estimated using the present value of future cash-flows and the fair </span><span class=\"S7E7 SA7 S2\" id=\"tj_23\">value of any unquoted equity instruments are calculated using the EPS ratio. </span><span class=\"S7E8 SA7 S2\" id=\"tk_23\">Such securities consist of Hungarian and foreign government bonds, corporate bonds, mortgage bonds, interest- </span><span class=\"S7E9 SA7 S2\" id=\"tl_23\">bearing Treasury bills, securities issued by the NBH and other securities. </span><span class=\"S7EA SB S2\" id=\"tm_23\">Fair value through other comprehensive income option for equity instruments </span><span class=\"S7EB SA7 S2\" id=\"tn_23\">The Group has elected to present in the Statement of Other Comprehensive Income changes of fair value of those </span><span class=\"S7EC SA7 S2\" id=\"to_23\">equity instruments which are neither held for trading nor recognized as contingent consideration under IFRS 3. </span><span class=\"S7ED SA7 S2\" id=\"tp_23\">In some cases, the Group made an irrevocable election at initial recognition for certain equity instruments to </span><span class=\"S7EE SA7 S2\" id=\"tq_23\">present subsequent changes in fair value of these securities in the consolidated other comprehensive income instead </span><span class=\"S7EF SA7 S2\" id=\"tr_23\">of in profit or loss. </span><span class=\"S7F0 SA7 S2\" id=\"ts_23\">The use of the fair value option is based only on direct decision of management of the Group. </span><span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span><span class=\"S839 SB S2\" id=\"t5_25\">2.12. Modified assets </span><span class=\"S83A SA7 S2\" id=\"t6_25\">If the net present value of the contracted cash flows changes due to the modification of the contractual terms and </span><span class=\"S83B SA7 S2\" id=\"t7_25\">it is not qualified as derecognition, modification gain or loss should be calculated and accounted for in the </span><span class=\"S83C SA7 S2\" id=\"t8_25\">Consolidated Statement of Profit or Loss. Modification gain or loss is accounted in cases like restructuring </span><span class=\"S83D S5B9 S2\" id=\"t9_25\">\u2013 </span><span class=\"S83E SA7 S2\" id=\"ta_25\">as </span><span class=\"S83F SA7 S2\" id=\"tb_25\">defined in guidelines of the Group </span><span class=\"S840 S5B9 S2\" id=\"tc_25\">\u2013 </span><span class=\"S841 SA7 S2\" id=\"td_25\">prolongation, renewal with unchanged terms, renewal with shorter terms and </span><span class=\"S842 SA7 S2\" id=\"te_25\">prescribing capital repaymen</span><span class=\"S843 S5B9 S2\" id=\"tf_25\">t rate, if it doesn\u2019t exist or has not been earlier. </span><span class=\"S844 SA7 S2\" id=\"tg_25\">The changes of net present value should be calculated on portfolio level in case of retail exposures. Each retail </span><span class=\"S845 SA7 S2\" id=\"th_25\">contract is restructured based on restructuring frameworks. The Group has to evaluate these frameworks (and not </span><span class=\"S846 SA7 S2\" id=\"ti_25\">individual contracts). The changes of net present value should be calculated individually on contract level in case </span><span class=\"S847 SA7 S2\" id=\"tj_25\">of corporate portfolio. </span><span class=\"S848 SA7 S2\" id=\"tk_25\">Among the possible contract amendments, the Group considers as a derecognition and a new recognition when the </span><span class=\"S849 SA7 S2\" id=\"tl_25\">discounted present value </span><span class=\"S84A S5B9 S2\" id=\"tm_25\">\u2013 </span><span class=\"S84B SA7 S2\" id=\"tn_25\">discounted at the original effective interest rate </span><span class=\"S84C S5B9 S2\" id=\"to_25\">\u2013 </span><span class=\"S84D SA7 S2\" id=\"tp_25\">of the cash flows under the new terms </span><span class=\"S84E SA7 S2\" id=\"tq_25\">is at least 10 per cent different from the discounted present value of the remaining cash flows. In case of </span><span class=\"S84F SA7 S2\" id=\"tr_25\">derecognition and new recognition the unamortized fees of the derecognized asset should be presented as Income </span><span class=\"S850 SA7 S2\" id=\"ts_25\">similar to interest income. The newly recognized financial asset is initially measured at fair value and is placed in </span><span class=\"S851 SA7 S2\" id=\"tt_25\">stage 1 if the derecognized financial asset was in stage 1 or stage 2 portfolio. The newly recognized financial asset </span><span class=\"S852 S5B9 S2\" id=\"tu_25\">will be purchased or originated credit impaired financial asset (\u201cPOCI\u201d) if the derecognized financial asset was in </span><span class=\"S853 SA7 S2\" id=\"tv_25\">stage 3 portfolio or it was POCI. </span><span class=\"S854 SA7 S2\" id=\"tw_25\">The modification gain or loss shall be calculated at each contract amendments unless they are handled as a </span><span class=\"S855 SA7 S2\" id=\"tx_25\">derecognition and new recognition. In case of modification the Group recalculates the gross carrying amount of </span><span class=\"S856 SA7 S2\" id=\"ty_25\">the financial asset. To do this, the new contractual cash flows </span><span class=\"S857 S5B9 S2\" id=\"tz_25\">should be discounted using the financial asset\u2019s </span><span class=\"S858 SA7 S2\" id=\"t10_25\">original effective interest rate (or credit-adjusted effective interest rate for POCI financial asset). Any costs or fees </span><span class=\"S859 SA7 S2\" id=\"t11_25\">incurred adjust the carrying amount of the modified financial asset are amortized over the remaining term of the </span><span class=\"S85A SA7 S2\" id=\"t12_25\">modified financial asset. </span><span class=\"S85B SB S2\" id=\"t13_25\">2.13. </span><span class=\"S85C SB S2\" id=\"t14_25\">Purchased or originated credit impaired financial assets </span><span class=\"S85D SA7 S2\" id=\"t15_25\">Purchased or originated financial assets are credit-impaired on initial recognition. A financial asset is credit- </span><span class=\"S85E SA7 S2\" id=\"t16_25\">impaired when one or more events that have a detrimental impact on the estimated future cash flows of that </span><span class=\"S85F SA7 S2\" id=\"t17_25\">financial asset have occurred. </span><span class=\"S860 SA7 S2\" id=\"t18_25\">A purchased credit-impaired asset is likely to be acquired at a deep discount. In unusual circumstances, it may be </span><span class=\"S861 SA7 S2\" id=\"t19_25\">possible that an entity originates a credit-impaired asset, for example, following a substantial modification of a </span><span class=\"S862 SA7 S2\" id=\"t1a_25\">distressed financial asset that resulted in the derecogniton of the original financial asset. </span><span class=\"S863 SA7 S2\" id=\"t1b_25\">In the case of POCI financial assets, interest income is always recognized by applying the credit-adjusted effective </span><span class=\"S864 SA7 S2\" id=\"t1c_25\">interest rate. </span><span class=\"S7FC SA7 S2\" id=\"t1d_25\">For POCI financial assets, in subsequent reporting periods an entity is required to recognize: </span><span class=\"S865 SA7 S2\" id=\"t1e_25\">- </span><span class=\"S866 SA7 S2\" id=\"t1f_25\">the cumulative changes in lifetime expected credit losses since initial recognition as a loss allowance, </span><span class=\"S867 SA7 S2\" id=\"t1g_25\">- </span><span class=\"S868 SA7 S2\" id=\"t1h_25\">the impairment gain or loss which is the amount of any change in lifetime expected credit losses. </span><span class=\"S869 SA7 S2\" id=\"t1i_25\">An impairment gain is recognized (with the parallel increase of the net amortized cost of receivable) if due </span><span class=\"S86A SA7 S2\" id=\"t1j_25\">to the favourable changes after initial recognition the lifetime expected credit loss estimation is becoming </span><span class=\"S86B SA7 S2\" id=\"t1k_25\">lower than the original estimated credit losses at initial recognition. </span><span class=\"S86C S5B9 S2\" id=\"t1l_25\">The POCI qualification remains from initial recognition to derecognition in the Group\u2019s books. </span><span class=\"S86D SB S2\" id=\"t5_26\">2.14. Loss allowance </span><span class=\"S86E SA7 S2\" id=\"t6_26\">A loss allowance for loans and placements with other banks and repo receivables is recognized by the Group based </span><span class=\"S86F SA7 S2\" id=\"t7_26\">on the expected credit loss model in accordance with IFRS 9. Based on the three-stage model the recognized loss </span><span class=\"S870 SA7 S2\" id=\"t8_26\">allowance equals to 12-month expected credit loss from the initial recognition. On financial assets with </span><span class=\"S871 SA7 S2\" id=\"t9_26\">significantly increased credit risk or credit impaired financial assets (based on objective evidence) the recognized </span><span class=\"S872 SA7 S2\" id=\"ta_26\">loss allowance is the lifetime expected credit loss. </span><span class=\"S873 SA7 S2\" id=\"tb_26\">In the case of purchased or originated credit impaired financial assets, a loss allowance is recognized in the amount </span><span class=\"S874 SA7 S2\" id=\"tc_26\">of the lifetime expected credit loss since initial recognition. The impairment gain in the Consolidated Statement </span><span class=\"S875 SA7 S2\" id=\"td_26\">of Profit or Loss is recognized if lifetime expected credit loss for purchased or originated credit impaired financial </span><span class=\"S5C4 SA7 S2\" id=\"te_26\">assets at measurement date is less than the estimated credit loss at initial recognition. </span><span class=\"S876 S5B9 S2\" id=\"tf_26\">A loss allowance for loans and placements with other banks and repo receivables represents Management\u2019s </span><span class=\"S877 SA7 S2\" id=\"tg_26\">assessment for potential losses in relation to these activities. </span><span class=\"S878 SA7 S2\" id=\"th_26\">Loss allowance for loan and placements are determined at a level that provides coverage for individually identified </span><span class=\"S879 SA7 S2\" id=\"ti_26\">credit losses. For loans for which it is not possible to determine the amount of the individually identified credit </span><span class=\"S87A SA7 S2\" id=\"tj_26\">loss in the absence of objective evidence, a collective impairment loss is recognized. With this, the Group reduces </span><span class=\"S87B SA7 S2\" id=\"tk_26\">the carrying amount of financial asset portfolios with similar credit risk characteristics to the amount expected to </span><span class=\"S87C SA7 S2\" id=\"tl_26\">be recovered based on historical loss experience. </span><span class=\"S87D SA7 S2\" id=\"tm_26\">At subsequent measurement the Group rec</span><span class=\"S87E S5B9 S2\" id=\"tn_26\">ognizes an impairment gain or loss through \u201cImpairment gain on POCI </span><span class=\"S87F S5B9 S2\" id=\"to_26\">loans\u201d in the Consolidated Statement of Profit or Loss as part of \u201cRisk cost\u201d line as an amount of expected credit </span><span class=\"S880 SA7 S2\" id=\"tp_26\">losses or reversal which is required to adjust the loss allowance at the reporting date to the amount that is required </span><span class=\"S881 SA7 S2\" id=\"tq_26\">to be recognized in accordance with IFRS 9. If the reason for the impairment no longer exist the impairment is </span><span class=\"S882 SA7 S2\" id=\"tr_26\">released in the Consolidated Statement of Profit or Loss for the current period. </span><span class=\"S883 SA7 S2\" id=\"ts_26\">If a financial asset, for which previously there were no indicators of significant increase in credit risk (i.e. classified </span><span class=\"S884 SA7 S2\" id=\"tt_26\">in Stage 1) is subsequently classified in Stage 2 or Stage 3 then loss allowance is adjusted to lifetime expected </span><span class=\"S885 SA7 S2\" id=\"tu_26\">credit loss. If a financial asset, which was previously classified in Stage 2 or Stage 3 is subsequently classified in </span><span class=\"S827 SA7 S2\" id=\"tv_26\">Stage 1 then the loss allowance is adjusted to the level of 12 month expected credit loss. </span><span class=\"S886 SB S2\" id=\"tw_26\">Classification into risk classes </span><span class=\"S887 SA7 S2\" id=\"tx_26\">According to the requirements of the IFRS9 the Group classifies the financial assets measured at amortized cost, </span><span class=\"S888 SA7 S2\" id=\"ty_26\">at fair value through other comprehensive income and loan commitments and financial guarantees into the </span><span class=\"S762 SA7 S2\" id=\"tz_26\">following stages: </span><span class=\"S889 S602 S2\" id=\"t10_26\">\u2022 </span><span class=\"S88A SA7 S2\" id=\"t11_26\">Stage 1 </span><span class=\"S88B S5B9 S2\" id=\"t12_26\">\u2013 </span><span class=\"S88C SA7 S2\" id=\"t13_26\">performing financial instruments without significant increase in credit risk since initial </span><span class=\"S88D SA7 S2\" id=\"t14_26\">recognition </span><span class=\"S88E S602 S2\" id=\"t15_26\">\u2022 </span><span class=\"S88F SA7 S2\" id=\"t16_26\">Stage 2 </span><span class=\"S890 S5B9 S2\" id=\"t17_26\">\u2013 </span><span class=\"S891 SA7 S2\" id=\"t18_26\">performing financial instruments with significant increase in credit risk since initial recognition </span><span class=\"S892 SA7 S2\" id=\"t19_26\">but not credit-impaired </span><span class=\"S893 S602 S2\" id=\"t1a_26\">\u2022 </span><span class=\"S894 SA7 S2\" id=\"t1b_26\">Stage 3 </span><span class=\"S895 S5B9 S2\" id=\"t1c_26\">\u2013 </span><span class=\"S896 SA7 S2\" id=\"t1d_26\">non-performing, credit-impaired financial instruments </span><span class=\"S897 S602 S2\" id=\"t1e_26\">\u2022 </span><span class=\"S898 SA7 S2\" id=\"t1f_26\">POCI </span><span class=\"S899 S5B9 S2\" id=\"t1g_26\">\u2013 </span><span class=\"S89A SA7 S2\" id=\"t1h_26\">purchased or originated credit impaired </span><span class=\"S89B SA7 S2\" id=\"t1i_26\">In the case of trade receivables the Group applies the simplified approach and calculates only lifetime expected </span><span class=\"S89C SA7 S2\" id=\"t1j_26\">credit loss. The simplified approach is the following: </span><span class=\"S89D S6E3 S2\" id=\"t1k_26\">- </span><span class=\"S89E SA7 S2\" id=\"t1l_26\">for the past 3 years the average annual balance of receivables under simplified approach is calculated, </span><span class=\"S89F S6E3 S2\" id=\"t1m_26\">- </span><span class=\"S8A0 SA7 S2\" id=\"t1n_26\">the written-off receivables under simplified approach are determined in the past 3 years, </span><span class=\"S8A1 S6E3 S2\" id=\"t1o_26\">- </span><span class=\"S8A2 SA7 S2\" id=\"t1p_26\">historical losses are adjusted to reflect information about current conditions and reasonable forecasts of </span><span class=\"S8A3 SA7 S2\" id=\"t1q_26\">future economic conditions, </span><span class=\"S8A4 S6E3 S2\" id=\"t1r_26\">- </span><span class=\"S8A5 SA7 S2\" id=\"t1s_26\">the loss allowance ratio is the sum of the written-off amounts divided by the sum of the average balances, </span><span class=\"S8A6 S6E3 S2\" id=\"t1t_26\">- </span><span class=\"S8A7 SA7 S2\" id=\"t1u_26\">the loss allowance is multiplied by the end-of-year balance, it is the actual loss allowance on these </span><span class=\"S8A8 SA7 S2\" id=\"t1v_26\">receivables, </span><span class=\"S8A9 S6E3 S2\" id=\"t1w_26\">- </span><span class=\"S8AA SA7 S2\" id=\"t1x_26\">loss allowance should be recalculated annually. </span><span class=\"S8AB SB S2\" id=\"t5_27\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_27\">Classification into risk classes [continued] </span><span class=\"S8AD SA7 S2\" id=\"t7_27\">The Group assumes that the credit risk on a financial instrument has not increased significantly since initial </span><span class=\"S8AE SA7 S2\" id=\"t8_27\">recognition if the financial asset is determined to have low credit risk at the reporting date. This might occur if the </span><span class=\"S8AF SA7 S2\" id=\"t9_27\">financial asset has a low risk of default, the borrower has a strong capacity to meet its contractual cash flow </span><span class=\"S8B0 SA7 S2\" id=\"ta_27\">obligations in the near term and adverse changes in economic and business conditions in the longer term may, but </span><span class=\"S8B1 SA7 S2\" id=\"tb_27\">will not necessarily, reduce the ability of the borrower to fulfil its contractual cash flow obligations. The Group </span><span class=\"S8B2 SA7 S2\" id=\"tc_27\">considers sovereign exposures as having low credit risk. </span><span class=\"S8B3 SA7 S2\" id=\"td_27\">Stage 1: financial instruments for which the events and conditions specified in respect of Stage 2 and Stage 3 do </span><span class=\"S8B4 SA7 S2\" id=\"te_27\">not exist on the reporting date. </span><span class=\"S8B5 SA7 S2\" id=\"tf_27\">A client or loan must be qualified as default if one or both the following two conditions occur: </span><span class=\"S8B6 S602 S2\" id=\"tg_27\">\u2022 </span><span class=\"S8B7 SA7 S2\" id=\"th_27\">The client delays more than 90 days. This is considered a hard trigger. </span><span class=\"S8B8 S602 S2\" id=\"ti_27\">\u2022 </span><span class=\"S8B9 SA7 S2\" id=\"tj_27\">There is reasonable probability that the client will not pay all of its obligation. This condition is examined </span><span class=\"S8BA SA7 S2\" id=\"tk_27\">on the basis of probability criteria of default. </span><span class=\"S8BB SA7 S2\" id=\"tl_27\">The subject of default qualification is that exposure (on-balance and off-balance) which originates credit risk (so </span><span class=\"S8BC SA7 S2\" id=\"tm_27\">originated from loan commitments, risk-taking contracts). </span><span class=\"S8BD SA7 S2\" id=\"tn_27\">A financial instrument shows significant increase in credit risk, and is allocated to Stage 2, if in respect of which </span><span class=\"S8BE SA7 S2\" id=\"to_27\">any of the following triggers exist on the reporting date, without fulfilling any of the conditions for the allocation </span><span class=\"S8BF SA7 S2\" id=\"tp_27\">to the non-performing stage (stage 3): </span><span class=\"S8C0 S602 S2\" id=\"tq_27\">\u2022 </span><span class=\"S8C1 SA7 S2\" id=\"tr_27\">the payment delay exceeds 30 days, </span><span class=\"S8C2 S602 S2\" id=\"ts_27\">\u2022 </span><span class=\"S8C3 SA7 S2\" id=\"tt_27\">it is classified as performing forborne, </span><span class=\"S8C4 S602 S2\" id=\"tu_27\">\u2022 </span><span class=\"S8C5 SA7 S2\" id=\"tv_27\">based on individual decision, its currency suffered a significant \"shock\" since the disbursement of the loan, </span><span class=\"S8C6 S602 S2\" id=\"tw_27\">\u2022 </span><span class=\"S8C7 SA7 S2\" id=\"tx_27\">the transaction/client rating exceeds a predefined value or falls into a determined range, or compared to the </span><span class=\"S8C8 SA7 S2\" id=\"ty_27\">historic value it deteriorates to a predefined degree, </span><span class=\"S8C9 S602 S2\" id=\"tz_27\">\u2022 </span><span class=\"S8CA SA7 S2\" id=\"t10_27\">in the case retail mortgage loans, the loan-to-value ratio exceeds a predefined rate, </span><span class=\"S8CB S602 S2\" id=\"t11_27\">\u2022 </span><span class=\"S8CC SA7 S2\" id=\"t12_27\">default on another loan of the retail client, if no cross-default exists, </span><span class=\"S8CD S602 S2\" id=\"t13_27\">\u2022 </span><span class=\"S8CE SA7 S2\" id=\"t14_27\">monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8CF S6E3 S2\" id=\"t15_27\">- </span><span class=\"S8D0 SA7 S2\" id=\"t16_27\">financial difficulties at the debtor (capital adequacy, liquidity, deterioration of the instrument quality), </span><span class=\"S8D1 S6E3 S2\" id=\"t17_27\">- </span><span class=\"S8D2 SA7 S2\" id=\"t18_27\">significant decrease of the liquidity or the activity on the active market of the financial instrument can </span><span class=\"S8D3 SA7 S2\" id=\"t19_27\">be observed, </span><span class=\"S8D4 S6E3 S2\" id=\"t1a_27\">- </span><span class=\"S8D5 SA7 S2\" id=\"t1b_27\">the rating of the client reflects high risk, but it is better than the default one, </span><span class=\"S8D6 S6E3 S2\" id=\"t1c_27\">- </span><span class=\"S8D7 SA7 S2\" id=\"t1d_27\">significantly decrease in the value of the recovery from which the debtor would disburse the loan, </span><span class=\"S8D8 S6E3 S2\" id=\"t1e_27\">- </span><span class=\"S8D9 SA7 S2\" id=\"t1f_27\">clients under liquidation. </span><span class=\"S8DA SA7 S2\" id=\"t1g_27\">A financial instrument is non-performing and it is allocated to Stage 3 when any of the following events or </span><span class=\"S8DB SA7 S2\" id=\"t1h_27\">conditions exists on the reporting date: </span><span class=\"S8DC S602 S2\" id=\"t1i_27\">\u2022 </span><span class=\"S8DD SA7 S2\" id=\"t1j_27\">default (based on the group level default definition), </span><span class=\"S8DE S602 S2\" id=\"t1k_27\">\u2022 </span><span class=\"S8DF SA7 S2\" id=\"t1l_27\">classified as non-performing forborne (based on the group level forborne definition), </span><span class=\"S8E0 S602 S2\" id=\"t1m_27\">\u2022 </span><span class=\"S8E1 SA7 S2\" id=\"t1n_27\">the monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8E2 SA7 S2\" id=\"t1o_27\">level (including but not limited to): </span><span class=\"S8E3 S6E3 S2\" id=\"t1p_27\">- </span><span class=\"S8E4 SA7 S2\" id=\"t1q_27\">breaching of contracts, </span><span class=\"S8E5 S6E3 S2\" id=\"t1r_27\">- </span><span class=\"S8E6 SA7 S2\" id=\"t1s_27\">significant financial difficulties of the debtor (like capital adequacy, liquidity, deterioration of the </span><span class=\"S8E7 SA7 S2\" id=\"t1t_27\">instrument quality), </span><span class=\"S8E8 S6E3 S2\" id=\"t1u_27\">- </span><span class=\"S8E9 SA7 S2\" id=\"t1v_27\">bankruptcy, liquidation, debt settlement processes against debtor, </span><span class=\"S8EA S6E3 S2\" id=\"t1w_27\">- </span><span class=\"S8EB SA7 S2\" id=\"t1x_27\">forced strike-off started against debtor, </span><span class=\"S8EC S6E3 S2\" id=\"t1y_27\">- </span><span class=\"S8ED SA7 S2\" id=\"t1z_27\">termination of loan contract by the Bank, </span><span class=\"S8EE S6E3 S2\" id=\"t20_27\">- </span><span class=\"S8EF SA7 S2\" id=\"t21_27\">occurrence of fraud event, </span><span class=\"S8F0 S6E3 S2\" id=\"t22_27\">- </span><span class=\"S8F1 SA7 S2\" id=\"t23_27\">termination of the active market of the financial instrument. </span><span class=\"S8AB SB S2\" id=\"t5_28\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_28\">Classification into risk classes [continued] </span><span class=\"S8F2 SA7 S2\" id=\"t7_28\">If the exposure is no longer considered as credit impaired, the Group allocates this exposure to Stage 2. </span><span class=\"S6EA SA7 S2\" id=\"t8_28\">When loss allowance is calculated at exposures categorized into stages the following process is needed by stages: </span><span class=\"S8F3 S602 S2\" id=\"t9_28\">\u2022 </span><span class=\"S8F4 SA7 S2\" id=\"ta_28\">Stage 1 (performing): loss allowance at an amount equal to 12-month expected credit loss should be </span><span class=\"S8F5 SA7 S2\" id=\"tb_28\">recognized, </span><span class=\"S8F6 S602 S2\" id=\"tc_28\">\u2022 </span><span class=\"S8F7 SA7 S2\" id=\"td_28\">Stage 2 (significant increase in credit risk): loss allowance at an amount equal to lifetime expected credit </span><span class=\"S8F8 SA7 S2\" id=\"te_28\">loss should be recognized, </span><span class=\"S8F9 S602 S2\" id=\"tf_28\">\u2022 </span><span class=\"S8FA SA7 S2\" id=\"tg_28\">Stage 3 (non-performing): loss allowance at an amount equal to lifetime expected credit loss should be </span><span class=\"S8FB SA7 S2\" id=\"th_28\">recognized. </span><span class=\"S8FC SA7 S2\" id=\"ti_28\">For lifetime expected credit losses, an entity shall estimate the risk of a default occurring on the financial </span><span class=\"S8FD SA7 S2\" id=\"tj_28\">instrument during its expected life. 12-month expected credit losses are a portion of the lifetime expected credit </span><span class=\"S8FE SA7 S2\" id=\"tk_28\">losses and represent the lifetime cash shortfalls that will result if a default occurs in the 12 months after the </span><span class=\"S8FF SA7 S2\" id=\"tl_28\">reporting date (or a shorter period if the expected life of a financial instrument is less than 12 months), weighted </span><span class=\"S900 SA7 S2\" id=\"tm_28\">by the probability of that default occurring. </span><span class=\"S901 SA7 S2\" id=\"tn_28\">An entity shall measure expected credit losses of a financial instrument in a way that reflects: </span><span class=\"S902 SA7 S2\" id=\"to_28\">- </span><span class=\"S903 SA7 S2\" id=\"tp_28\">an unbiased and probability-weighted amount that is determined by evaluating a range of possible </span><span class=\"S904 SA7 S2\" id=\"tq_28\">outcomes </span><span class=\"S905 SA7 S2\" id=\"tr_28\">- </span><span class=\"S906 SA7 S2\" id=\"ts_28\">the time value of money and </span><span class=\"S907 SA7 S2\" id=\"tt_28\">- </span><span class=\"S908 SA7 S2\" id=\"tu_28\">reasonable and supportable information that is available without undue cost or effort at the reporting date </span><span class=\"S909 SA7 S2\" id=\"tv_28\">about past events, current conditions and forecasts of future economic conditions. </span><span class=\"S90A SB S2\" id=\"tw_28\">2.15. </span><span class=\"S90B SB S2\" id=\"tx_28\">Sale and repurchase agreements, security lending </span><span class=\"S90C SA7 S2\" id=\"ty_28\">Where debt or equity securities are sold under a commitment to repurchase them at a pre-determined price, they </span><span class=\"S90D SA7 S2\" id=\"tz_28\">remain on the Consolidated Statement of Financial Position and the consideration received is recorded in Other </span><span class=\"S90E SA7 S2\" id=\"t10_28\">liabilities or Amounts due to banks, the National Governments, deposits from the National Banks and other banks. </span><span class=\"S90F SA7 S2\" id=\"t11_28\">Conversely, debt or equity securities purchased under a commitment to resell are not recognized in the </span><span class=\"S910 SA7 S2\" id=\"t12_28\">Consolidated Statement of Financial Position and the consideration paid is recorded either in Placements with </span><span class=\"S911 SA7 S2\" id=\"t13_28\">other banks or Deposits from customers. Interest is accrued based on the effective interest method evenly over the </span><span class=\"S912 SA7 S2\" id=\"t14_28\">life of the repurchase agreement. </span><span class=\"S913 SA7 S2\" id=\"t15_28\">In the case of security lending transactions, the Group does not recognize or derecognize the securities because </span><span class=\"S914 SA7 S2\" id=\"t16_28\">believes that the transferor retains substantially all the risks and rewards of the ownership of the securities. Only a </span><span class=\"S915 SA7 S2\" id=\"t17_28\">financial liability or financial receivable is recognized for the consideration amount. </span><span class=\"S916 SB S2\" id=\"t18_28\">2.16. </span><span class=\"S917 SB S2\" id=\"t19_28\">Associates and other investments </span><span class=\"S918 SA7 S2\" id=\"t1a_28\">Companies where the Bank has the ability to exercise significant influence are accounted for using the equity </span><span class=\"S919 SA7 S2\" id=\"t1b_28\">method. Subsidiaries and associated companies that were not accounted for using the equity method and other </span><span class=\"S91A SA7 S2\" id=\"t1c_28\">investments where the Bank does not hold a significant interest are recorded according to IFRS 9. When an </span><span class=\"S91B SA7 S2\" id=\"t1d_28\">investment in an associate is held indirectly through an entity that is a venture capital fund, the Group elects to </span><span class=\"S91C SA7 S2\" id=\"t1e_28\">measure these investments in the associate at fair value through profit or loss in accordance with IFRS 9. </span><span class=\"S91D SA7 S2\" id=\"t1f_28\">Under the equity method, the investment is initially recognized at cost, and the carrying amount is adjusted </span><span class=\"S91E SA7 S2\" id=\"t1g_28\">subsequently for: </span><span class=\"S91F SA7 S2\" id=\"t1h_28\">- </span><span class=\"S920 S5B9 S2\" id=\"t1i_28\">the Group\u2019s share of the post</span><span class=\"S921 SA7 S2\" id=\"t1j_28\">-</span><span class=\"S922 S5B9 S2\" id=\"t1k_28\">acquisition profits or losses of the investee, which are recognized in the Group\u2019s </span><span class=\"S923 SA7 S2\" id=\"t1l_28\">Consolidated Statement of Profit or Loss; and </span><span class=\"S924 SA7 S2\" id=\"t1m_28\">- </span><span class=\"S925 SA7 S2\" id=\"t1n_28\">the distributions received from the investee, which reduce the carrying amount of the investment. </span><span class=\"S926 SB S2\" id=\"t5_29\">2.16.  Associates and other investments [continued] </span><span class=\"S927 S5B9 S2\" id=\"t6_29\">The Group\u2019s share of the profits or losses of the investee, or other changes in the investee\u2019s equi </span><span class=\"S928 SA7 S2\" id=\"t7_29\">ty, is determined </span><span class=\"S68A S5B9 S2\" id=\"t8_29\">on the basis of its proportionate ownership interest. The Group recognizes its share of the investee\u2019s income and </span><span class=\"S8F2 SA7 S2\" id=\"t9_29\">losses based on the percentage of the equity interest owned by the Group. </span><span class=\"S929 SA7 S2\" id=\"ta_29\">Gains and losses on the sale of investments are determined based on the specific identification of the cost of each </span><span class=\"S92A SA7 S2\" id=\"tb_29\">investment. </span><span class=\"SAE1 SB S2\" id=\"tg_38\">3.5. </span><span class=\"SAE2 SB S2\" id=\"th_38\">Business model </span><span class=\"SAE3 SA7 S2\" id=\"ti_38\">A business model refers to how the Group manages its financial instruments in order to generate cash flows. It is </span><span class=\"SAE4 SA7 S2\" id=\"tj_38\">determined at a level that reflects how groups of financial instruments are managed rather than at an instrument </span><span class=\"SAE5 SA7 S2\" id=\"tk_38\">level. </span><span class=\"SAE6 SA7 S2\" id=\"tl_38\">The financial assets held by the Group are classified into three categories depending on the business model within </span><span class=\"SAE7 SA7 S2\" id=\"tm_38\">the financial assets are managed. </span><span class=\"SAE8 S602 S2\" id=\"tn_38\">\u2022 </span><span class=\"SAE9 SA7 S2\" id=\"to_38\">Business model whose objective is to hold financial assets in order to collect contractual cash flows. Some </span><span class=\"SAEA SA7 S2\" id=\"tp_38\">sales can be consistent with hold to collect business model and the Group assesses the nature, frequency </span><span class=\"SAEB SA7 S2\" id=\"tq_38\">and significance of any sales occurring. The Group does not consider the sale frequent when at least six </span><span class=\"SAEC SA7 S2\" id=\"tr_38\">months have elapsed between sales. The significant sales are those when the sales exceed 2% of the total </span><span class=\"SAED SA7 S2\" id=\"ts_38\">hold to collect portfolio. Within this business model the Group manages mainly loans and advances and </span><span class=\"SAEE SA7 S2\" id=\"tt_38\">long-term securities and other financial assets. </span><span class=\"SAEF S602 S2\" id=\"tu_38\">\u2022 </span><span class=\"SAF0 SA7 S2\" id=\"tv_38\">Business model whose objective is achieved by both collecting contractual cash flows and selling </span><span class=\"SAF1 SA7 S2\" id=\"tw_38\">financial assets. Within this business model the Group only manages securities. </span><span class=\"SAF2 S602 S2\" id=\"tx_38\">\u2022 </span><span class=\"SAF3 SA7 S2\" id=\"ty_38\">Business model whose objective is to achieve gains in a short-term period. Within this business model </span><span class=\"SAF4 SA7 S2\" id=\"tz_38\">the Group manages securities and derivative financial instrument. </span><span class=\"SAF5 SA7 S2\" id=\"t10_38\">If cash flows are realised in a way that is different from the expectations at the date that the Bank/Group assessed </span><span class=\"SAF6 S5B9 S2\" id=\"t11_38\">the business model, that does not give rise to a prior error in the Group\u2019s financial statements nor does it change </span><span class=\"SAF7 SA7 S2\" id=\"t12_38\">the classification of the remaining financial assets held in that business model. </span><span class=\"SAF8 SA7 S2\" id=\"t13_38\">When, and only when the Group changes its business model for managing financial assets it reclassifies all affected </span><span class=\"SAF9 S5B9 S2\" id=\"t14_38\">assets. Such changes are determined by the Group\u2019s senior management as a result of external or internal changes </span><span class=\"SAFA S5B9 S2\" id=\"t15_38\">and must be significant to the Group\u2019s operations a</span><span class=\"SAFB SA7 S2\" id=\"t16_38\">nd demonstrable to external parties. The Group shall not </span><span class=\"SAFC SA7 S2\" id=\"t17_38\">reclassify any financial liability. </span><span class=\"SAFD SB S2\" id=\"t18_38\">3.6. </span><span class=\"SAFE SB S2\" id=\"t19_38\">Contractual cash-flow characteristics of financial assets </span><span class=\"SAFF SA7 S2\" id=\"t1a_38\">Classification of a financial asset is based on the characteristics of its contractual cash flows if the financial asset </span><span class=\"SB00 SA7 S2\" id=\"t1b_38\">is held within a business model whose objective is to hold assets to collect contractual cash flows or within a </span><span class=\"SB01 SA7 S2\" id=\"t1c_38\">business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. </span><span class=\"SB02 S5B9 S2\" id=\"t1d_38\">The Group should determine whether the asset\u2019s contractual cash flows are solely payments of principal and </span><span class=\"SB03 SA7 S2\" id=\"t1e_38\">interest on the principal amount outstanding (SPPI test). Contractual cash flows that are solely payments of </span><span class=\"SB04 SA7 S2\" id=\"t1f_38\">principal and interest on the principal amount outstanding are consistent with a basic lending arrangement. </span><span class=\"S5BC SB S2\" id=\"t6_39\">3.6. </span><span class=\"SB05 SB S2\" id=\"t7_39\">Contractual cash-flow characteristics of financial assets [continued] </span><span class=\"SB06 SA7 S2\" id=\"t8_39\">Contractual terms that introduce exposure to risks or volatility in the contractual cash flows that is unrelated to a </span><span class=\"SB07 SA7 S2\" id=\"t9_39\">basic lending arrangement, such as exposure to changes in equity prices or commodity prices, do not give rise to </span><span class=\"SB08 SA7 S2\" id=\"ta_39\">contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. The </span><span class=\"SB09 SA7 S2\" id=\"tb_39\">Group assesses whether contractual cash flows are solely payments of principal and interest on the principal </span><span class=\"S6B9 SA7 S2\" id=\"tc_39\">amount outstanding for the currency in which the financial asset is denominated. </span><span class=\"SB0A SA7 S2\" id=\"td_39\">The time value of money is the element of interest that provides consideration for only the passage of time. </span><span class=\"SB0B SA7 S2\" id=\"te_39\">However, in some cases, the time value of money element may be modified. In such cases, the Group assesses the </span><span class=\"SB0C SA7 S2\" id=\"tf_39\">modification to determine whether the contractual cash flows represent solely payments of principal and interest </span><span class=\"SB0D SA7 S2\" id=\"tg_39\">on the principal amount outstanding. </span><span class=\"SB0E SA7 S2\" id=\"th_39\">When assessing a modified time value of money element, the objective is to determine how different the </span><span class=\"SB0F SA7 S2\" id=\"ti_39\">undiscounted contractual cash flows could be from undiscounted cash flows that would arise if the time value of </span><span class=\"SB10 SA7 S2\" id=\"tj_39\">money element was not modified (the benchmark cash flows). The benchmark instrument can be an actual or a </span><span class=\"SA8E SA7 S2\" id=\"tk_39\">hypothetical financial asset. If the undiscounted contractual cash flows significantly </span><span class=\"SB11 S5B9 S2\" id=\"tl_39\">\u2013 </span><span class=\"SB12 SA7 S2\" id=\"tm_39\">above 2% </span><span class=\"SB13 S5B9 S2\" id=\"tn_39\">\u2013 </span><span class=\"SB14 SA7 S2\" id=\"to_39\">differ from the </span><span class=\"SB15 SA7 S2\" id=\"tp_39\">undiscounted benchmark cash flows, the financial asset should be subsequently measured at fair value through </span><span class=\"SB16 SA7 S2\" id=\"tq_39\">profit or loss. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2797": {
   "value": "<span class=\"S720 SB S2\" id=\"tg_19\">2.5. </span><span class=\"S721 SB S2\" id=\"th_19\">Securities at amortized cost </span><span class=\"S722 SA7 S2\" id=\"ti_19\">The Group measures at amortized cost those securities which are held for contractual cash collecting purposes, </span><span class=\"S723 SA7 S2\" id=\"tj_19\">and contractual terms of these securities give rise to cash flows that are solely payment of principal and interest </span><span class=\"S724 SA7 S2\" id=\"tk_19\">on the principal amount outstanding. The Group initially recognizes these securities at fair value. Securities at </span><span class=\"S725 S5B9 S2\" id=\"tl_19\">amortized cost are subsequently measured using the effective interest (\u201cEIR\u201d) method and are subject to </span><span class=\"S726 SA7 S2\" id=\"tm_19\">impairment. The amortisation of any discount or premium on the acquisition of a security at amortized cost is part </span><span class=\"S727 SA7 S2\" id=\"tn_19\">of the amortized cost and is recognized as interest income so that the revenue recognized in each period represents </span><span class=\"S728 SA7 S2\" id=\"to_19\">a constant yield on the investment. Securities at amortized cost are accounted for on a trade date basis. </span><span class=\"S729 SA7 S2\" id=\"tp_19\">Such securities comprise mainly securities issued by the Hungarian and foreign Governments, corporate bonds, </span><span class=\"S72A SA7 S2\" id=\"tq_19\">mortgage bonds and discounted treasury bills. </span><span class=\"S72B SB S2\" id=\"tr_19\">2.6. </span><span class=\"S72C SB S2\" id=\"ts_19\">Financial assets at fair value through profit or loss </span><span class=\"S72D SB S2\" id=\"tt_19\">2.6.1. </span><span class=\"S72E SB S2\" id=\"tu_19\">Securities held for trading </span><span class=\"S72F SA7 S2\" id=\"tv_19\">Investments in securities are accounted for on a trade date basis and are initially measured at fair value. Securities </span><span class=\"S730 SA7 S2\" id=\"tw_19\">held for trading are measured at subsequent reporting dates at fair value, so unrealized gains and losses on held for </span><span class=\"S731 SA7 S2\" id=\"tx_19\">trading securities are recognized in profit or loss and included in the Consolidated Statement of Profit or Loss for </span><span class=\"S732 SA7 S2\" id=\"ty_19\">the period. The Group holds held for trading securities within the business model to obtain short-term gains, </span><span class=\"S733 SA7 S2\" id=\"tz_19\">consequently realized and unrealized gains and losses are recognized in the net operating income, while interest </span><span class=\"S734 SA7 S2\" id=\"t10_19\">income is recognized in income similar to interest income. </span><span class=\"S735 SA7 S2\" id=\"t11_19\">Such securities consist of equity instruments, shares in investment funds, Hungarian and foreign government </span><span class=\"S736 SA7 S2\" id=\"t12_19\">bonds, corporate bonds, discounted treasury bills, mortgage bonds and other securities. </span><span class=\"S737 SB S2\" id=\"t13_19\">2.6.2. </span><span class=\"S738 SB S2\" id=\"t14_19\">Financial assets designated as fair value through profit or loss </span><span class=\"S739 SA7 S2\" id=\"t15_19\">The Group may - at initial recognition - irrevocable designate a financial asset as measured at fair value through </span><span class=\"S73A SA7 S2\" id=\"t16_19\">profit or loss that would otherwise be measured at fair value through other comprehensive income or at amortized </span><span class=\"S73B SA7 S2\" id=\"t17_19\">cost. </span><span class=\"S73C SA7 S2\" id=\"t18_19\">The Group uses fair value designation if the classification eliminates or significantly reduces a measurement or </span><span class=\"S73D SA7 S2\" id=\"t19_19\">recognition inconsistency that would otherwise arise from measuring assets or liabilities or recognising the gains </span><span class=\"S73E SA7 S2\" id=\"t1a_19\">and losses on them on different ba</span><span class=\"S73F S5B9 S2\" id=\"t1b_19\">ses (\u2018accounting mismatch\u2019). </span><span class=\"S740 SA7 S2\" id=\"t1c_19\">The use of the fair value designation is based only on direct decision of management of the Group. The Group </span><span class=\"S741 S5B9 S2\" id=\"t1d_19\">currently doesn\u2019t apply this method. </span><span class=\"S585 SB S2\" id=\"t5_20\">2.6. </span><span class=\"S742 SB S2\" id=\"t6_20\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S743 SB S2\" id=\"t7_20\">2.6.3. </span><span class=\"S744 SB S2\" id=\"t8_20\">Derivative financial instruments </span><span class=\"S745 SA7 S2\" id=\"t9_20\">In the normal course of business, the Group is a party to contracts for derivative financial instruments, which </span><span class=\"S746 SA7 S2\" id=\"ta_20\">represent a low initial investment compared to the notional value of the contract and their value depends on value </span><span class=\"S747 SA7 S2\" id=\"tb_20\">of underlying asset and are settled in the future. The derivative financial instruments used include interest rate </span><span class=\"S748 SA7 S2\" id=\"tc_20\">forward or swap agreements and currency forward or swap agreements and options. These financial instruments </span><span class=\"S749 SA7 S2\" id=\"td_20\">are used by the Group both for trading purposes and to hedge interest rate risk and currency exposures associated </span><span class=\"S74A SA7 S2\" id=\"te_20\">with its transactions in the financial markets (it is the so-called economic hedge, accounting hedge is described </span><span class=\"S74B SA7 S2\" id=\"tf_20\">later). </span><span class=\"S74C SA7 S2\" id=\"tg_20\">Derivative financial instruments are accounted for on a trade date basis and are initially measured at fair value and </span><span class=\"S74D SA7 S2\" id=\"th_20\">at subsequent reporting dates also at fair value. Fair values are obtained from quoted market prices, discounted </span><span class=\"S74E SA7 S2\" id=\"ti_20\">cash-flow models and option pricing models as appropriate. The Group adopts a multi curve valuation approach </span><span class=\"S74F SA7 S2\" id=\"tj_20\">for calculating the net present value of future cash-flows </span><span class=\"S750 S5B9 S2\" id=\"tk_20\">\u2013 </span><span class=\"S751 SA7 S2\" id=\"tl_20\">based on different curves used for determining forward </span><span class=\"S752 SA7 S2\" id=\"tm_20\">rates and used for discounting purposes. It shows the best estimation of such derivative deals that are collateralised </span><span class=\"S753 SA7 S2\" id=\"tn_20\">as the Group has almost all of its open derivative transactions collateralised. </span><span class=\"S754 SA7 S2\" id=\"to_20\">Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognized </span><span class=\"S755 SA7 S2\" id=\"tp_20\">in profit or loss and are included in the Consolidated Statement of Profit or Loss for the period. Each derivative </span><span class=\"S6C3 SA7 S2\" id=\"tq_20\">deal is determined as asset when fair value is positive and as liability when fair value is negative. </span><span class=\"S756 SA7 S2\" id=\"tr_20\">Certain derivative transactions, while providing effective economic hedges under the risk management policy of </span><span class=\"S757 SA7 S2\" id=\"ts_20\">the Group, do not qualify for hedge accounting under the specific rules of IFRS 9 and are therefore treated as </span><span class=\"S758 SA7 S2\" id=\"tt_20\">derivatives held for trading with fair value gains and losses charged directly to the Consolidated Statement of </span><span class=\"S759 SA7 S2\" id=\"tu_20\">Profit or Loss. </span><span class=\"S75A SC S2\" id=\"tv_20\">Foreign currency contracts </span><span class=\"S75B SA7 S2\" id=\"tw_20\">Foreign currency contracts are agreements to exchange specific amounts of currencies at a specified rate of </span><span class=\"S75C SA7 S2\" id=\"tx_20\">exchange, at a spot date (settlement occurs two days after the trade date) or at a forward date (settlement occurs </span><span class=\"S75D SA7 S2\" id=\"ty_20\">more than two days after the trade date). The notional amount of these forward contracts does not represent the </span><span class=\"S75E SA7 S2\" id=\"tz_20\">actual market or credit risk associated with these contracts. </span><span class=\"S75F SA7 S2\" id=\"t10_20\">Foreign currency contracts are used by the Group for risk management and trading purposes. The risk management </span><span class=\"S760 SA7 S2\" id=\"t11_20\">foreign currency contracts of the Group were used to hedge the exchange rate fluctuations of loans and deposits to </span><span class=\"S761 SA7 S2\" id=\"t12_20\">credit institutions denominated in foreign currency. </span><span class=\"S762 SC S2\" id=\"t13_20\">Foreign exchange swaps and interest rate swaps </span><span class=\"S763 S5B9 S2\" id=\"t14_20\">The Group enters into foreign exchange swap and interest rate swap (\u201cIRS\u201d) transactions. The swap transaction is </span><span class=\"S764 SA7 S2\" id=\"t15_20\">an agreement concerning the swap of certain financial instruments, which usually consists of spot and one or more </span><span class=\"S765 SA7 S2\" id=\"t16_20\">forward contracts. </span><span class=\"S766 SA7 S2\" id=\"t17_20\">IRS transactions oblige two parties to exchange one or more payments calculated with reference to fixed or </span><span class=\"S767 SA7 S2\" id=\"t18_20\">periodically reset rates of interest applied to a specific notional principal amount (the base of the interest </span><span class=\"S768 SA7 S2\" id=\"t19_20\">calculation). Notional principal is the amount upon which interest rates are applied to determine the payment </span><span class=\"S769 SA7 S2\" id=\"t1a_20\">streams under IRS transactions. Such notional principal amounts often are used to express the volume of these </span><span class=\"S76A SA7 S2\" id=\"t1b_20\">transactions but are not actually exchanged between the counterparties. </span><span class=\"S76B SA7 S2\" id=\"t1c_20\">IRS transactions are used by the Group for risk management and trading purposes. </span><span class=\"S76C SC S2\" id=\"t1d_20\">Cross-currency interest rate swaps </span><span class=\"S76D SA7 S2\" id=\"t1e_20\">The Group enters into cross-currency interest rate swap (CCIRS) transactions which have special attributes, i.e. </span><span class=\"S76E SA7 S2\" id=\"t1f_20\">the parties exchange the notional amount at the beginning and also at the maturity of the transaction. A special </span><span class=\"S76F SA7 S2\" id=\"t1g_20\">type of these deals is the mark-to-market CCIRS agreements. For these kind of transactions the parties </span><span class=\"S770 S5B9 S2\" id=\"t1h_20\">\u2013 </span><span class=\"S771 SA7 S2\" id=\"t1i_20\">in </span><span class=\"S772 SA7 S2\" id=\"t1j_20\">accordance with the foreign exchange prices </span><span class=\"S773 S5B9 S2\" id=\"t1k_20\">\u2013 </span><span class=\"S774 SA7 S2\" id=\"t1l_20\">revalue the notional amount during lifetime of the transaction. </span><span class=\"S585 SB S2\" id=\"t5_21\">2.6. </span><span class=\"S775 SB S2\" id=\"t6_21\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S776 SB S2\" id=\"t7_21\">2.6.3   Derivative financial instruments [continued] </span><span class=\"S777 SC S2\" id=\"t8_21\">Equity and commodity swaps </span><span class=\"S778 SA7 S2\" id=\"t9_21\">Equity swaps obligate two parties to exchange more payments calculated with reference to periodically reset rates </span><span class=\"S779 SA7 S2\" id=\"ta_21\">of interest and performance of indices. A specific notional principal amount is the base of the interest calculation. </span><span class=\"S77A SA7 S2\" id=\"tb_21\">The payment of index return is calculated on the basis of current market price compared to the previous market </span><span class=\"S77B SA7 S2\" id=\"tc_21\">price. In case of commodity swaps payments are calculated on the basis of the strike price of a predefined </span><span class=\"S77C SA7 S2\" id=\"td_21\">commodity compared to its average market price in a period. </span><span class=\"S77D SC S2\" id=\"te_21\">Forward rate agreements (FRA) </span><span class=\"S77E SA7 S2\" id=\"tf_21\">A forward rate agreement is an agreement to settle amounts at a specified future date based on the difference </span><span class=\"S77F SA7 S2\" id=\"tg_21\">between an interest rate index and an agreed upon fixed rate. Market risk arises from changes in the market value </span><span class=\"S780 SA7 S2\" id=\"th_21\">of contractual positions caused by movements in interest rates. </span><span class=\"S781 SA7 S2\" id=\"ti_21\">The Group limits its exposure to market risk by entering into generally matching or offsetting positions and by </span><span class=\"S782 SA7 S2\" id=\"tj_21\">establishing and monitoring limits on unmatched positions. Credit risk is managed through approval procedures </span><span class=\"S783 S5B9 S2\" id=\"tk_21\">that establish specific limits for individual counterparties. The Group\u2019s forward rate agreements were transacted </span><span class=\"S784 SA7 S2\" id=\"tl_21\">for management of interest rate exposures and have been accounted for at mark-to-market fair value. </span><span class=\"S785 SC S2\" id=\"tm_21\">Foreign exchange options </span><span class=\"S786 SA7 S2\" id=\"tn_21\">A foreign exchange option is a derivative financial instrument that gives the owner the right to exchange money </span><span class=\"S787 SA7 S2\" id=\"to_21\">denominated in one currency into another currency at a pre-agreed exchange rate at a specified future date. The </span><span class=\"S788 SA7 S2\" id=\"tp_21\">transaction, for a fee, guarantees a worst-case exchange rate for the futures purchase of one currency for another. </span><span class=\"S789 SA7 S2\" id=\"tq_21\">These options protect against unfavourable currency movements while preserving the ability to participate in </span><span class=\"S78A SA7 S2\" id=\"tr_21\">favourable movements. </span><span class=\"S78B SB S2\" id=\"ts_21\">2.7. </span><span class=\"S78C SB S2\" id=\"tt_21\">Hedge accounting </span><span class=\"S78D SB S2\" id=\"tu_21\">Derivative financial instruments designated as a fair-value hedge </span><span class=\"S78E SA7 S2\" id=\"tv_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instruments in fair value hedges </span><span class=\"S78F SA7 S2\" id=\"tw_21\">and that prove to be highly effective in relation to the hedged risk, are recorded in the Consolidated Statement of </span><span class=\"S790 SA7 S2\" id=\"tx_21\">Profit or Loss along with the corresponding change in fair value of the hedged asset or liability that is attributable </span><span class=\"S791 SA7 S2\" id=\"ty_21\">to the specific hedged risk. Changes in the fair value of hedging instrument in fair value hedges is charged directly </span><span class=\"S792 SA7 S2\" id=\"tz_21\">to the Consolidated Statement of Profit or Loss. </span><span class=\"S793 SA7 S2\" id=\"t10_21\">The conditions of hedge accounting applied by the Bank are the following: formally designated as hedge </span><span class=\"S794 SA7 S2\" id=\"t11_21\">relationship, proper hedge documentation is prepared, effectiveness test is performed and based on it the hedge is </span><span class=\"S795 SA7 S2\" id=\"t12_21\">qualified as effective. In the case of a financial instrument measured at amortised cost the Group recognises the </span><span class=\"S796 SA7 S2\" id=\"t13_21\">hedging gain or loss on the hedged item as the modification of its carrying amount and it is recognised in profit or </span><span class=\"S797 SA7 S2\" id=\"t14_21\">loss. These adjustments of the carrying amount are amortised to the profit or loss using the effective interest rate </span><span class=\"S798 SA7 S2\" id=\"t15_21\">method. The Group starts the amortisation when the hedged item is no longer adjusted by the hedging gains or </span><span class=\"S799 SA7 S2\" id=\"t16_21\">losses. If the hedged item is derecognised, the Group recognises the unamortised fair value in profit or loss </span><span class=\"S79A SA7 S2\" id=\"t17_21\">immediately. For fair value hedges inefficiencies and the net revaluation of hedged and hedging item are </span><span class=\"S79B SA7 S2\" id=\"t18_21\">recognized in the Net results on derivative instruments and hedge relationships. </span><span class=\"S79C SA7 S2\" id=\"t19_21\">The Group implemented hedge accounting rules prescribed by IFRS 9 in 2018. For further details please see Note </span><span class=\"S79D SA7 S2\" id=\"t1a_21\">48.3. </span><span class=\"S79E SB S2\" id=\"t1b_21\">Derivative financial instruments designated as cash-flow hedge </span><span class=\"S79F SA7 S2\" id=\"t1c_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instrument in cash-flow hedges </span><span class=\"S7A0 SA7 S2\" id=\"t1d_21\">and that prove to be highly effective in relation to the hedged risk are recognized in their effective portion as </span><span class=\"S7A1 SA7 S2\" id=\"t1e_21\">reserve in Other Comprehensive Income. The ineffective element of the changes in fair value of hedging </span><span class=\"S7A2 SA7 S2\" id=\"t1f_21\">instrument is charged directly to the Consolidated Statement of Profit or Loss. </span><span class=\"S585 SB S2\" id=\"t5_22\">2.7. </span><span class=\"S7A4 SB S2\" id=\"t6_22\">Hedge accounting [continued] </span><span class=\"S7A5 SB S2\" id=\"t7_22\">Derivative financial instruments designated as cash-flow hedge [continued] </span><span class=\"S7A6 SA7 S2\" id=\"t8_22\">The Group terminates the hedge relationship if the hedging instrument expires or is sold, terminated or exercised, </span><span class=\"S7A7 SA7 S2\" id=\"t9_22\">or the hedge no longer meets the criteria for hedge accounting. In the case of cash-flow hedges </span><span class=\"S7A8 S5B9 S2\" id=\"ta_22\">\u2013 </span><span class=\"S7A9 SA7 S2\" id=\"tb_22\">in line with the </span><span class=\"S7AA SA7 S2\" id=\"tc_22\">standard - hedge accounting is still applied by the Group as long as the underlying asset is derecognized or </span><span class=\"S7AB SA7 S2\" id=\"td_22\">terminated. When the Group discontinues hedge accounting to a cash-flow hedge the amount in the cash flow </span><span class=\"S7AC SA7 S2\" id=\"te_22\">hedge reserve is reclassified to the profit or loss if the hedged future cash flows are no longer expected to occur. </span><span class=\"S7AD SA7 S2\" id=\"tf_22\">If the hedged future cash flows are still expected to occur, the amount remains in the cashflow hedge reserve and </span><span class=\"S7AE SA7 S2\" id=\"tg_22\">reclassified to the profit and loss only when the future cash flows occur. </span><span class=\"S71F SB S2\" id=\"th_22\">Net investment hedge in foreign operations </span><span class=\"S7AF SA7 S2\" id=\"ti_22\">Hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as </span><span class=\"S7B0 SA7 S2\" id=\"tj_22\">part of the net investment, shall be accounted for similarly to cash flow hedges. </span><span class=\"S7B1 SA7 S2\" id=\"tk_22\">On the disposal of a foreign operation, the cumulative value of any gains and losses recognized in Other </span><span class=\"S7B2 SA7 S2\" id=\"tl_22\">Comprehensive Income is transferred to the Consolidated Statement of Profit or Loss. The Group has terminated </span><span class=\"S7B3 SA7 S2\" id=\"tm_22\">these transactions since 2020. </span><span class=\"S7B4 SB S2\" id=\"tn_22\">2.8. </span><span class=\"S7B5 SB S2\" id=\"to_22\">Offsetting </span><span class=\"S7B6 SA7 S2\" id=\"tp_22\">Financial assets and liabilities are offset and the net amount is reported in the Consolidated Statement of Financial </span><span class=\"S7B7 SA7 S2\" id=\"tq_22\">Position when the Group has a legally enforceable right to set off the recognized amounts and the transactions are </span><span class=\"S7B8 SA7 S2\" id=\"tr_22\">intended to be reported in the Consolidated Statement of Financial Position on a net basis. In case of the derivative </span><span class=\"S7B9 SA7 S2\" id=\"ts_22\">financial instruments the Group applies offsetting and net presentation in the Consolidated Statement of Financial </span><span class=\"S7BA SA7 S2\" id=\"tt_22\">Position when the Group has the right and the ability to settle these assets and liabilities on a net basis. </span><span class=\"S7BB SB S2\" id=\"tu_22\">2.9. </span><span class=\"S7BC SB S2\" id=\"tv_22\">Embedded derivatives </span><span class=\"S7BD SA7 S2\" id=\"tw_22\">Sometimes, a derivative may be a component of a combined or hybrid contract that includes a host contract and a </span><span class=\"S7BE SA7 S2\" id=\"tx_22\">derivative (the embedded derivative) affecting cash-flows or otherwise modifying the characteristics of the host </span><span class=\"S7BF SA7 S2\" id=\"ty_22\">instrument. An embedded derivative must be separated from the host instrument and accounted for as a separate </span><span class=\"S7C0 SA7 S2\" id=\"tz_22\">derivative if, and only if: </span><span class=\"S7C1 S602 S2\" id=\"t10_22\">\u2022 </span><span class=\"S7C2 SA7 S2\" id=\"t11_22\">The economic characteristics and risks of the embedded derivative are not closely related to the economic </span><span class=\"S7C3 SA7 S2\" id=\"t12_22\">characteristics and risks of the host contract; </span><span class=\"S7C4 S602 S2\" id=\"t13_22\">\u2022 </span><span class=\"S7C5 SA7 S2\" id=\"t14_22\">A separate financial instrument with the same terms as the embedded derivative would meet the definition </span><span class=\"S7C6 SA7 S2\" id=\"t15_22\">of a derivative as a stand-alone instrument; and </span><span class=\"S7C7 S602 S2\" id=\"t16_22\">\u2022 </span><span class=\"S7C8 SA7 S2\" id=\"t17_22\">The host instrument is not measured at fair value or is measured at fair value but changes in fair value are </span><span class=\"S7C9 SA7 S2\" id=\"t18_22\">recognized in Other Comprehensive Income. </span><span class=\"S7CA SA7 S2\" id=\"t19_22\">As long as a hybrid contract contains a host that is a financial asset the general accounting rules for classification, </span><span class=\"S7CB SA7 S2\" id=\"t1a_22\">recognition and measurement of financial assets are applicable for the whole contract and no embedded derivative </span><span class=\"S7CC SA7 S2\" id=\"t1b_22\">is separated. </span><span class=\"S7CD SA7 S2\" id=\"t1c_22\">Derivatives that are required to be separated are measured at fair value at initial recognition and subsequently. If </span><span class=\"S7CE SA7 S2\" id=\"t1d_22\">the Group is unable to measure the embedded derivative separately either at acquisition or at the end of a </span><span class=\"S7CF SA7 S2\" id=\"t1e_22\">subsequent financial reporting period, the Group shall designate the entire hybrid contract as at fair value through </span><span class=\"S7D0 SA7 S2\" id=\"t1f_22\">profit or loss. The Group shall assess whether an embedded derivative is required to be separated from the host </span><span class=\"S7D1 SA7 S2\" id=\"t1g_22\">contract and accounted for as a derivative when the Bank first becomes a party to the contract. </span><span class=\"S7D2 SA7 S2\" id=\"t1h_22\">The separation rules for embedded derivatives are only relevant for financial liabilities. </span><span class=\"S7D3 SB S2\" id=\"t1i_22\">2.10. </span><span class=\"S7D4 SB S2\" id=\"t1j_22\">Securities at fair value through other comprehensive income </span><span class=\"S7D5 SA7 S2\" id=\"t1k_22\">Securities at fair value through other comprehensive income are held within a business model whose objective is </span><span class=\"S7D6 SA7 S2\" id=\"t1l_22\">achieved by both collecting of contractual cash flows and selling securities. Furthermore, the contractual terms of </span><span class=\"S7D7 SA7 S2\" id=\"t1m_22\">these securities give rise on specified dates to cash flows that are solely payment of principal and interest on the </span><span class=\"S7D8 SA7 S2\" id=\"t1n_22\">principal amount outstanding. </span><span class=\"S7D9 SB S2\" id=\"t5_23\">2.10. </span><span class=\"S7DA SB S2\" id=\"t6_23\">Securities at fair value through other comprehensive income [continued] </span><span class=\"S7DB SB S2\" id=\"t7_23\">Debt instruments </span><span class=\"S7DC SA7 S2\" id=\"t8_23\">Investments in debt securities are accounted for on a trade date basis and are initially measured at fair value. </span><span class=\"S7DD SA7 S2\" id=\"t9_23\">Securities at fair value through other comprehensive income are measured at subsequent reporting dates at fair </span><span class=\"S7DE SA7 S2\" id=\"ta_23\">value. Unrealized gains and losses on securities at fair value through other comprehensive income are recognized </span><span class=\"S7DF SA7 S2\" id=\"tb_23\">directly in Other Comprehensive Income, except for interest and foreign exchange gains/losses on monetary items, </span><span class=\"S7E0 SA7 S2\" id=\"tc_23\">unless such financial asset at fair value through other comprehensive income is part of an effective hedge. Such </span><span class=\"S7E1 SA7 S2\" id=\"td_23\">gains and losses are reported when realized in Consolidated Statement of Profit or Loss for the applicable period. </span><span class=\"S7E2 SA7 S2\" id=\"te_23\">For debt securities at fair value through other comprehensive income the loss allowance is calculated based on </span><span class=\"S7E3 SA7 S2\" id=\"tf_23\">expected credit loss model. The expected credit loss is accounted for against Other Comprehensive Income. </span><span class=\"S7E4 SA7 S2\" id=\"tg_23\">Securities at fair value through other comprehensive income are remeasured at fair value based on quoted prices </span><span class=\"S7E5 SA7 S2\" id=\"th_23\">or amounts derived from cash-flow models. In circumstances where the quoted market prices are not readily </span><span class=\"S7E6 SA7 S2\" id=\"ti_23\">available, the fair value of debt securities is estimated using the present value of future cash-flows and the fair </span><span class=\"S7E7 SA7 S2\" id=\"tj_23\">value of any unquoted equity instruments are calculated using the EPS ratio. </span><span class=\"S7E8 SA7 S2\" id=\"tk_23\">Such securities consist of Hungarian and foreign government bonds, corporate bonds, mortgage bonds, interest- </span><span class=\"S7E9 SA7 S2\" id=\"tl_23\">bearing Treasury bills, securities issued by the NBH and other securities. </span><span class=\"S7EA SB S2\" id=\"tm_23\">Fair value through other comprehensive income option for equity instruments </span><span class=\"S7EB SA7 S2\" id=\"tn_23\">The Group has elected to present in the Statement of Other Comprehensive Income changes of fair value of those </span><span class=\"S7EC SA7 S2\" id=\"to_23\">equity instruments which are neither held for trading nor recognized as contingent consideration under IFRS 3. </span><span class=\"S7ED SA7 S2\" id=\"tp_23\">In some cases, the Group made an irrevocable election at initial recognition for certain equity instruments to </span><span class=\"S7EE SA7 S2\" id=\"tq_23\">present subsequent changes in fair value of these securities in the consolidated other comprehensive income instead </span><span class=\"S7EF SA7 S2\" id=\"tr_23\">of in profit or loss. </span><span class=\"S7F0 SA7 S2\" id=\"ts_23\">The use of the fair value option is based only on direct decision of management of the Group. </span><span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span><span class=\"S839 SB S2\" id=\"t5_25\">2.12. Modified assets </span><span class=\"S83A SA7 S2\" id=\"t6_25\">If the net present value of the contracted cash flows changes due to the modification of the contractual terms and </span><span class=\"S83B SA7 S2\" id=\"t7_25\">it is not qualified as derecognition, modification gain or loss should be calculated and accounted for in the </span><span class=\"S83C SA7 S2\" id=\"t8_25\">Consolidated Statement of Profit or Loss. Modification gain or loss is accounted in cases like restructuring </span><span class=\"S83D S5B9 S2\" id=\"t9_25\">\u2013 </span><span class=\"S83E SA7 S2\" id=\"ta_25\">as </span><span class=\"S83F SA7 S2\" id=\"tb_25\">defined in guidelines of the Group </span><span class=\"S840 S5B9 S2\" id=\"tc_25\">\u2013 </span><span class=\"S841 SA7 S2\" id=\"td_25\">prolongation, renewal with unchanged terms, renewal with shorter terms and </span><span class=\"S842 SA7 S2\" id=\"te_25\">prescribing capital repaymen</span><span class=\"S843 S5B9 S2\" id=\"tf_25\">t rate, if it doesn\u2019t exist or has not been earlier. </span><span class=\"S844 SA7 S2\" id=\"tg_25\">The changes of net present value should be calculated on portfolio level in case of retail exposures. Each retail </span><span class=\"S845 SA7 S2\" id=\"th_25\">contract is restructured based on restructuring frameworks. The Group has to evaluate these frameworks (and not </span><span class=\"S846 SA7 S2\" id=\"ti_25\">individual contracts). The changes of net present value should be calculated individually on contract level in case </span><span class=\"S847 SA7 S2\" id=\"tj_25\">of corporate portfolio. </span><span class=\"S848 SA7 S2\" id=\"tk_25\">Among the possible contract amendments, the Group considers as a derecognition and a new recognition when the </span><span class=\"S849 SA7 S2\" id=\"tl_25\">discounted present value </span><span class=\"S84A S5B9 S2\" id=\"tm_25\">\u2013 </span><span class=\"S84B SA7 S2\" id=\"tn_25\">discounted at the original effective interest rate </span><span class=\"S84C S5B9 S2\" id=\"to_25\">\u2013 </span><span class=\"S84D SA7 S2\" id=\"tp_25\">of the cash flows under the new terms </span><span class=\"S84E SA7 S2\" id=\"tq_25\">is at least 10 per cent different from the discounted present value of the remaining cash flows. In case of </span><span class=\"S84F SA7 S2\" id=\"tr_25\">derecognition and new recognition the unamortized fees of the derecognized asset should be presented as Income </span><span class=\"S850 SA7 S2\" id=\"ts_25\">similar to interest income. The newly recognized financial asset is initially measured at fair value and is placed in </span><span class=\"S851 SA7 S2\" id=\"tt_25\">stage 1 if the derecognized financial asset was in stage 1 or stage 2 portfolio. The newly recognized financial asset </span><span class=\"S852 S5B9 S2\" id=\"tu_25\">will be purchased or originated credit impaired financial asset (\u201cPOCI\u201d) if the derecognized financial asset was in </span><span class=\"S853 SA7 S2\" id=\"tv_25\">stage 3 portfolio or it was POCI. </span><span class=\"S854 SA7 S2\" id=\"tw_25\">The modification gain or loss shall be calculated at each contract amendments unless they are handled as a </span><span class=\"S855 SA7 S2\" id=\"tx_25\">derecognition and new recognition. In case of modification the Group recalculates the gross carrying amount of </span><span class=\"S856 SA7 S2\" id=\"ty_25\">the financial asset. To do this, the new contractual cash flows </span><span class=\"S857 S5B9 S2\" id=\"tz_25\">should be discounted using the financial asset\u2019s </span><span class=\"S858 SA7 S2\" id=\"t10_25\">original effective interest rate (or credit-adjusted effective interest rate for POCI financial asset). Any costs or fees </span><span class=\"S859 SA7 S2\" id=\"t11_25\">incurred adjust the carrying amount of the modified financial asset are amortized over the remaining term of the </span><span class=\"S85A SA7 S2\" id=\"t12_25\">modified financial asset. </span><span class=\"S85B SB S2\" id=\"t13_25\">2.13. </span><span class=\"S85C SB S2\" id=\"t14_25\">Purchased or originated credit impaired financial assets </span><span class=\"S85D SA7 S2\" id=\"t15_25\">Purchased or originated financial assets are credit-impaired on initial recognition. A financial asset is credit- </span><span class=\"S85E SA7 S2\" id=\"t16_25\">impaired when one or more events that have a detrimental impact on the estimated future cash flows of that </span><span class=\"S85F SA7 S2\" id=\"t17_25\">financial asset have occurred. </span><span class=\"S860 SA7 S2\" id=\"t18_25\">A purchased credit-impaired asset is likely to be acquired at a deep discount. In unusual circumstances, it may be </span><span class=\"S861 SA7 S2\" id=\"t19_25\">possible that an entity originates a credit-impaired asset, for example, following a substantial modification of a </span><span class=\"S862 SA7 S2\" id=\"t1a_25\">distressed financial asset that resulted in the derecogniton of the original financial asset. </span><span class=\"S863 SA7 S2\" id=\"t1b_25\">In the case of POCI financial assets, interest income is always recognized by applying the credit-adjusted effective </span><span class=\"S864 SA7 S2\" id=\"t1c_25\">interest rate. </span><span class=\"S7FC SA7 S2\" id=\"t1d_25\">For POCI financial assets, in subsequent reporting periods an entity is required to recognize: </span><span class=\"S865 SA7 S2\" id=\"t1e_25\">- </span><span class=\"S866 SA7 S2\" id=\"t1f_25\">the cumulative changes in lifetime expected credit losses since initial recognition as a loss allowance, </span><span class=\"S867 SA7 S2\" id=\"t1g_25\">- </span><span class=\"S868 SA7 S2\" id=\"t1h_25\">the impairment gain or loss which is the amount of any change in lifetime expected credit losses. </span><span class=\"S869 SA7 S2\" id=\"t1i_25\">An impairment gain is recognized (with the parallel increase of the net amortized cost of receivable) if due </span><span class=\"S86A SA7 S2\" id=\"t1j_25\">to the favourable changes after initial recognition the lifetime expected credit loss estimation is becoming </span><span class=\"S86B SA7 S2\" id=\"t1k_25\">lower than the original estimated credit losses at initial recognition. </span><span class=\"S86C S5B9 S2\" id=\"t1l_25\">The POCI qualification remains from initial recognition to derecognition in the Group\u2019s books. </span><span class=\"S86D SB S2\" id=\"t5_26\">2.14. Loss allowance </span><span class=\"S86E SA7 S2\" id=\"t6_26\">A loss allowance for loans and placements with other banks and repo receivables is recognized by the Group based </span><span class=\"S86F SA7 S2\" id=\"t7_26\">on the expected credit loss model in accordance with IFRS 9. Based on the three-stage model the recognized loss </span><span class=\"S870 SA7 S2\" id=\"t8_26\">allowance equals to 12-month expected credit loss from the initial recognition. On financial assets with </span><span class=\"S871 SA7 S2\" id=\"t9_26\">significantly increased credit risk or credit impaired financial assets (based on objective evidence) the recognized </span><span class=\"S872 SA7 S2\" id=\"ta_26\">loss allowance is the lifetime expected credit loss. </span><span class=\"S873 SA7 S2\" id=\"tb_26\">In the case of purchased or originated credit impaired financial assets, a loss allowance is recognized in the amount </span><span class=\"S874 SA7 S2\" id=\"tc_26\">of the lifetime expected credit loss since initial recognition. The impairment gain in the Consolidated Statement </span><span class=\"S875 SA7 S2\" id=\"td_26\">of Profit or Loss is recognized if lifetime expected credit loss for purchased or originated credit impaired financial </span><span class=\"S5C4 SA7 S2\" id=\"te_26\">assets at measurement date is less than the estimated credit loss at initial recognition. </span><span class=\"S876 S5B9 S2\" id=\"tf_26\">A loss allowance for loans and placements with other banks and repo receivables represents Management\u2019s </span><span class=\"S877 SA7 S2\" id=\"tg_26\">assessment for potential losses in relation to these activities. </span><span class=\"S878 SA7 S2\" id=\"th_26\">Loss allowance for loan and placements are determined at a level that provides coverage for individually identified </span><span class=\"S879 SA7 S2\" id=\"ti_26\">credit losses. For loans for which it is not possible to determine the amount of the individually identified credit </span><span class=\"S87A SA7 S2\" id=\"tj_26\">loss in the absence of objective evidence, a collective impairment loss is recognized. With this, the Group reduces </span><span class=\"S87B SA7 S2\" id=\"tk_26\">the carrying amount of financial asset portfolios with similar credit risk characteristics to the amount expected to </span><span class=\"S87C SA7 S2\" id=\"tl_26\">be recovered based on historical loss experience. </span><span class=\"S87D SA7 S2\" id=\"tm_26\">At subsequent measurement the Group rec</span><span class=\"S87E S5B9 S2\" id=\"tn_26\">ognizes an impairment gain or loss through \u201cImpairment gain on POCI </span><span class=\"S87F S5B9 S2\" id=\"to_26\">loans\u201d in the Consolidated Statement of Profit or Loss as part of \u201cRisk cost\u201d line as an amount of expected credit </span><span class=\"S880 SA7 S2\" id=\"tp_26\">losses or reversal which is required to adjust the loss allowance at the reporting date to the amount that is required </span><span class=\"S881 SA7 S2\" id=\"tq_26\">to be recognized in accordance with IFRS 9. If the reason for the impairment no longer exist the impairment is </span><span class=\"S882 SA7 S2\" id=\"tr_26\">released in the Consolidated Statement of Profit or Loss for the current period. </span><span class=\"S883 SA7 S2\" id=\"ts_26\">If a financial asset, for which previously there were no indicators of significant increase in credit risk (i.e. classified </span><span class=\"S884 SA7 S2\" id=\"tt_26\">in Stage 1) is subsequently classified in Stage 2 or Stage 3 then loss allowance is adjusted to lifetime expected </span><span class=\"S885 SA7 S2\" id=\"tu_26\">credit loss. If a financial asset, which was previously classified in Stage 2 or Stage 3 is subsequently classified in </span><span class=\"S827 SA7 S2\" id=\"tv_26\">Stage 1 then the loss allowance is adjusted to the level of 12 month expected credit loss. </span><span class=\"S886 SB S2\" id=\"tw_26\">Classification into risk classes </span><span class=\"S887 SA7 S2\" id=\"tx_26\">According to the requirements of the IFRS9 the Group classifies the financial assets measured at amortized cost, </span><span class=\"S888 SA7 S2\" id=\"ty_26\">at fair value through other comprehensive income and loan commitments and financial guarantees into the </span><span class=\"S762 SA7 S2\" id=\"tz_26\">following stages: </span><span class=\"S889 S602 S2\" id=\"t10_26\">\u2022 </span><span class=\"S88A SA7 S2\" id=\"t11_26\">Stage 1 </span><span class=\"S88B S5B9 S2\" id=\"t12_26\">\u2013 </span><span class=\"S88C SA7 S2\" id=\"t13_26\">performing financial instruments without significant increase in credit risk since initial </span><span class=\"S88D SA7 S2\" id=\"t14_26\">recognition </span><span class=\"S88E S602 S2\" id=\"t15_26\">\u2022 </span><span class=\"S88F SA7 S2\" id=\"t16_26\">Stage 2 </span><span class=\"S890 S5B9 S2\" id=\"t17_26\">\u2013 </span><span class=\"S891 SA7 S2\" id=\"t18_26\">performing financial instruments with significant increase in credit risk since initial recognition </span><span class=\"S892 SA7 S2\" id=\"t19_26\">but not credit-impaired </span><span class=\"S893 S602 S2\" id=\"t1a_26\">\u2022 </span><span class=\"S894 SA7 S2\" id=\"t1b_26\">Stage 3 </span><span class=\"S895 S5B9 S2\" id=\"t1c_26\">\u2013 </span><span class=\"S896 SA7 S2\" id=\"t1d_26\">non-performing, credit-impaired financial instruments </span><span class=\"S897 S602 S2\" id=\"t1e_26\">\u2022 </span><span class=\"S898 SA7 S2\" id=\"t1f_26\">POCI </span><span class=\"S899 S5B9 S2\" id=\"t1g_26\">\u2013 </span><span class=\"S89A SA7 S2\" id=\"t1h_26\">purchased or originated credit impaired </span><span class=\"S89B SA7 S2\" id=\"t1i_26\">In the case of trade receivables the Group applies the simplified approach and calculates only lifetime expected </span><span class=\"S89C SA7 S2\" id=\"t1j_26\">credit loss. The simplified approach is the following: </span><span class=\"S89D S6E3 S2\" id=\"t1k_26\">- </span><span class=\"S89E SA7 S2\" id=\"t1l_26\">for the past 3 years the average annual balance of receivables under simplified approach is calculated, </span><span class=\"S89F S6E3 S2\" id=\"t1m_26\">- </span><span class=\"S8A0 SA7 S2\" id=\"t1n_26\">the written-off receivables under simplified approach are determined in the past 3 years, </span><span class=\"S8A1 S6E3 S2\" id=\"t1o_26\">- </span><span class=\"S8A2 SA7 S2\" id=\"t1p_26\">historical losses are adjusted to reflect information about current conditions and reasonable forecasts of </span><span class=\"S8A3 SA7 S2\" id=\"t1q_26\">future economic conditions, </span><span class=\"S8A4 S6E3 S2\" id=\"t1r_26\">- </span><span class=\"S8A5 SA7 S2\" id=\"t1s_26\">the loss allowance ratio is the sum of the written-off amounts divided by the sum of the average balances, </span><span class=\"S8A6 S6E3 S2\" id=\"t1t_26\">- </span><span class=\"S8A7 SA7 S2\" id=\"t1u_26\">the loss allowance is multiplied by the end-of-year balance, it is the actual loss allowance on these </span><span class=\"S8A8 SA7 S2\" id=\"t1v_26\">receivables, </span><span class=\"S8A9 S6E3 S2\" id=\"t1w_26\">- </span><span class=\"S8AA SA7 S2\" id=\"t1x_26\">loss allowance should be recalculated annually. </span><span class=\"S8AB SB S2\" id=\"t5_27\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_27\">Classification into risk classes [continued] </span><span class=\"S8AD SA7 S2\" id=\"t7_27\">The Group assumes that the credit risk on a financial instrument has not increased significantly since initial </span><span class=\"S8AE SA7 S2\" id=\"t8_27\">recognition if the financial asset is determined to have low credit risk at the reporting date. This might occur if the </span><span class=\"S8AF SA7 S2\" id=\"t9_27\">financial asset has a low risk of default, the borrower has a strong capacity to meet its contractual cash flow </span><span class=\"S8B0 SA7 S2\" id=\"ta_27\">obligations in the near term and adverse changes in economic and business conditions in the longer term may, but </span><span class=\"S8B1 SA7 S2\" id=\"tb_27\">will not necessarily, reduce the ability of the borrower to fulfil its contractual cash flow obligations. The Group </span><span class=\"S8B2 SA7 S2\" id=\"tc_27\">considers sovereign exposures as having low credit risk. </span><span class=\"S8B3 SA7 S2\" id=\"td_27\">Stage 1: financial instruments for which the events and conditions specified in respect of Stage 2 and Stage 3 do </span><span class=\"S8B4 SA7 S2\" id=\"te_27\">not exist on the reporting date. </span><span class=\"S8B5 SA7 S2\" id=\"tf_27\">A client or loan must be qualified as default if one or both the following two conditions occur: </span><span class=\"S8B6 S602 S2\" id=\"tg_27\">\u2022 </span><span class=\"S8B7 SA7 S2\" id=\"th_27\">The client delays more than 90 days. This is considered a hard trigger. </span><span class=\"S8B8 S602 S2\" id=\"ti_27\">\u2022 </span><span class=\"S8B9 SA7 S2\" id=\"tj_27\">There is reasonable probability that the client will not pay all of its obligation. This condition is examined </span><span class=\"S8BA SA7 S2\" id=\"tk_27\">on the basis of probability criteria of default. </span><span class=\"S8BB SA7 S2\" id=\"tl_27\">The subject of default qualification is that exposure (on-balance and off-balance) which originates credit risk (so </span><span class=\"S8BC SA7 S2\" id=\"tm_27\">originated from loan commitments, risk-taking contracts). </span><span class=\"S8BD SA7 S2\" id=\"tn_27\">A financial instrument shows significant increase in credit risk, and is allocated to Stage 2, if in respect of which </span><span class=\"S8BE SA7 S2\" id=\"to_27\">any of the following triggers exist on the reporting date, without fulfilling any of the conditions for the allocation </span><span class=\"S8BF SA7 S2\" id=\"tp_27\">to the non-performing stage (stage 3): </span><span class=\"S8C0 S602 S2\" id=\"tq_27\">\u2022 </span><span class=\"S8C1 SA7 S2\" id=\"tr_27\">the payment delay exceeds 30 days, </span><span class=\"S8C2 S602 S2\" id=\"ts_27\">\u2022 </span><span class=\"S8C3 SA7 S2\" id=\"tt_27\">it is classified as performing forborne, </span><span class=\"S8C4 S602 S2\" id=\"tu_27\">\u2022 </span><span class=\"S8C5 SA7 S2\" id=\"tv_27\">based on individual decision, its currency suffered a significant \"shock\" since the disbursement of the loan, </span><span class=\"S8C6 S602 S2\" id=\"tw_27\">\u2022 </span><span class=\"S8C7 SA7 S2\" id=\"tx_27\">the transaction/client rating exceeds a predefined value or falls into a determined range, or compared to the </span><span class=\"S8C8 SA7 S2\" id=\"ty_27\">historic value it deteriorates to a predefined degree, </span><span class=\"S8C9 S602 S2\" id=\"tz_27\">\u2022 </span><span class=\"S8CA SA7 S2\" id=\"t10_27\">in the case retail mortgage loans, the loan-to-value ratio exceeds a predefined rate, </span><span class=\"S8CB S602 S2\" id=\"t11_27\">\u2022 </span><span class=\"S8CC SA7 S2\" id=\"t12_27\">default on another loan of the retail client, if no cross-default exists, </span><span class=\"S8CD S602 S2\" id=\"t13_27\">\u2022 </span><span class=\"S8CE SA7 S2\" id=\"t14_27\">monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8CF S6E3 S2\" id=\"t15_27\">- </span><span class=\"S8D0 SA7 S2\" id=\"t16_27\">financial difficulties at the debtor (capital adequacy, liquidity, deterioration of the instrument quality), </span><span class=\"S8D1 S6E3 S2\" id=\"t17_27\">- </span><span class=\"S8D2 SA7 S2\" id=\"t18_27\">significant decrease of the liquidity or the activity on the active market of the financial instrument can </span><span class=\"S8D3 SA7 S2\" id=\"t19_27\">be observed, </span><span class=\"S8D4 S6E3 S2\" id=\"t1a_27\">- </span><span class=\"S8D5 SA7 S2\" id=\"t1b_27\">the rating of the client reflects high risk, but it is better than the default one, </span><span class=\"S8D6 S6E3 S2\" id=\"t1c_27\">- </span><span class=\"S8D7 SA7 S2\" id=\"t1d_27\">significantly decrease in the value of the recovery from which the debtor would disburse the loan, </span><span class=\"S8D8 S6E3 S2\" id=\"t1e_27\">- </span><span class=\"S8D9 SA7 S2\" id=\"t1f_27\">clients under liquidation. </span><span class=\"S8DA SA7 S2\" id=\"t1g_27\">A financial instrument is non-performing and it is allocated to Stage 3 when any of the following events or </span><span class=\"S8DB SA7 S2\" id=\"t1h_27\">conditions exists on the reporting date: </span><span class=\"S8DC S602 S2\" id=\"t1i_27\">\u2022 </span><span class=\"S8DD SA7 S2\" id=\"t1j_27\">default (based on the group level default definition), </span><span class=\"S8DE S602 S2\" id=\"t1k_27\">\u2022 </span><span class=\"S8DF SA7 S2\" id=\"t1l_27\">classified as non-performing forborne (based on the group level forborne definition), </span><span class=\"S8E0 S602 S2\" id=\"t1m_27\">\u2022 </span><span class=\"S8E1 SA7 S2\" id=\"t1n_27\">the monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8E2 SA7 S2\" id=\"t1o_27\">level (including but not limited to): </span><span class=\"S8E3 S6E3 S2\" id=\"t1p_27\">- </span><span class=\"S8E4 SA7 S2\" id=\"t1q_27\">breaching of contracts, </span><span class=\"S8E5 S6E3 S2\" id=\"t1r_27\">- </span><span class=\"S8E6 SA7 S2\" id=\"t1s_27\">significant financial difficulties of the debtor (like capital adequacy, liquidity, deterioration of the </span><span class=\"S8E7 SA7 S2\" id=\"t1t_27\">instrument quality), </span><span class=\"S8E8 S6E3 S2\" id=\"t1u_27\">- </span><span class=\"S8E9 SA7 S2\" id=\"t1v_27\">bankruptcy, liquidation, debt settlement processes against debtor, </span><span class=\"S8EA S6E3 S2\" id=\"t1w_27\">- </span><span class=\"S8EB SA7 S2\" id=\"t1x_27\">forced strike-off started against debtor, </span><span class=\"S8EC S6E3 S2\" id=\"t1y_27\">- </span><span class=\"S8ED SA7 S2\" id=\"t1z_27\">termination of loan contract by the Bank, </span><span class=\"S8EE S6E3 S2\" id=\"t20_27\">- </span><span class=\"S8EF SA7 S2\" id=\"t21_27\">occurrence of fraud event, </span><span class=\"S8F0 S6E3 S2\" id=\"t22_27\">- </span><span class=\"S8F1 SA7 S2\" id=\"t23_27\">termination of the active market of the financial instrument. </span><span class=\"S8AB SB S2\" id=\"t5_28\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_28\">Classification into risk classes [continued] </span><span class=\"S8F2 SA7 S2\" id=\"t7_28\">If the exposure is no longer considered as credit impaired, the Group allocates this exposure to Stage 2. </span><span class=\"S6EA SA7 S2\" id=\"t8_28\">When loss allowance is calculated at exposures categorized into stages the following process is needed by stages: </span><span class=\"S8F3 S602 S2\" id=\"t9_28\">\u2022 </span><span class=\"S8F4 SA7 S2\" id=\"ta_28\">Stage 1 (performing): loss allowance at an amount equal to 12-month expected credit loss should be </span><span class=\"S8F5 SA7 S2\" id=\"tb_28\">recognized, </span><span class=\"S8F6 S602 S2\" id=\"tc_28\">\u2022 </span><span class=\"S8F7 SA7 S2\" id=\"td_28\">Stage 2 (significant increase in credit risk): loss allowance at an amount equal to lifetime expected credit </span><span class=\"S8F8 SA7 S2\" id=\"te_28\">loss should be recognized, </span><span class=\"S8F9 S602 S2\" id=\"tf_28\">\u2022 </span><span class=\"S8FA SA7 S2\" id=\"tg_28\">Stage 3 (non-performing): loss allowance at an amount equal to lifetime expected credit loss should be </span><span class=\"S8FB SA7 S2\" id=\"th_28\">recognized. </span><span class=\"S8FC SA7 S2\" id=\"ti_28\">For lifetime expected credit losses, an entity shall estimate the risk of a default occurring on the financial </span><span class=\"S8FD SA7 S2\" id=\"tj_28\">instrument during its expected life. 12-month expected credit losses are a portion of the lifetime expected credit </span><span class=\"S8FE SA7 S2\" id=\"tk_28\">losses and represent the lifetime cash shortfalls that will result if a default occurs in the 12 months after the </span><span class=\"S8FF SA7 S2\" id=\"tl_28\">reporting date (or a shorter period if the expected life of a financial instrument is less than 12 months), weighted </span><span class=\"S900 SA7 S2\" id=\"tm_28\">by the probability of that default occurring. </span><span class=\"S901 SA7 S2\" id=\"tn_28\">An entity shall measure expected credit losses of a financial instrument in a way that reflects: </span><span class=\"S902 SA7 S2\" id=\"to_28\">- </span><span class=\"S903 SA7 S2\" id=\"tp_28\">an unbiased and probability-weighted amount that is determined by evaluating a range of possible </span><span class=\"S904 SA7 S2\" id=\"tq_28\">outcomes </span><span class=\"S905 SA7 S2\" id=\"tr_28\">- </span><span class=\"S906 SA7 S2\" id=\"ts_28\">the time value of money and </span><span class=\"S907 SA7 S2\" id=\"tt_28\">- </span><span class=\"S908 SA7 S2\" id=\"tu_28\">reasonable and supportable information that is available without undue cost or effort at the reporting date </span><span class=\"S909 SA7 S2\" id=\"tv_28\">about past events, current conditions and forecasts of future economic conditions. </span><span class=\"S90A SB S2\" id=\"tw_28\">2.15. </span><span class=\"S90B SB S2\" id=\"tx_28\">Sale and repurchase agreements, security lending </span><span class=\"S90C SA7 S2\" id=\"ty_28\">Where debt or equity securities are sold under a commitment to repurchase them at a pre-determined price, they </span><span class=\"S90D SA7 S2\" id=\"tz_28\">remain on the Consolidated Statement of Financial Position and the consideration received is recorded in Other </span><span class=\"S90E SA7 S2\" id=\"t10_28\">liabilities or Amounts due to banks, the National Governments, deposits from the National Banks and other banks. </span><span class=\"S90F SA7 S2\" id=\"t11_28\">Conversely, debt or equity securities purchased under a commitment to resell are not recognized in the </span><span class=\"S910 SA7 S2\" id=\"t12_28\">Consolidated Statement of Financial Position and the consideration paid is recorded either in Placements with </span><span class=\"S911 SA7 S2\" id=\"t13_28\">other banks or Deposits from customers. Interest is accrued based on the effective interest method evenly over the </span><span class=\"S912 SA7 S2\" id=\"t14_28\">life of the repurchase agreement. </span><span class=\"S913 SA7 S2\" id=\"t15_28\">In the case of security lending transactions, the Group does not recognize or derecognize the securities because </span><span class=\"S914 SA7 S2\" id=\"t16_28\">believes that the transferor retains substantially all the risks and rewards of the ownership of the securities. Only a </span><span class=\"S915 SA7 S2\" id=\"t17_28\">financial liability or financial receivable is recognized for the consideration amount. </span><span class=\"S916 SB S2\" id=\"t18_28\">2.16. </span><span class=\"S917 SB S2\" id=\"t19_28\">Associates and other investments </span><span class=\"S918 SA7 S2\" id=\"t1a_28\">Companies where the Bank has the ability to exercise significant influence are accounted for using the equity </span><span class=\"S919 SA7 S2\" id=\"t1b_28\">method. Subsidiaries and associated companies that were not accounted for using the equity method and other </span><span class=\"S91A SA7 S2\" id=\"t1c_28\">investments where the Bank does not hold a significant interest are recorded according to IFRS 9. When an </span><span class=\"S91B SA7 S2\" id=\"t1d_28\">investment in an associate is held indirectly through an entity that is a venture capital fund, the Group elects to </span><span class=\"S91C SA7 S2\" id=\"t1e_28\">measure these investments in the associate at fair value through profit or loss in accordance with IFRS 9. </span><span class=\"S91D SA7 S2\" id=\"t1f_28\">Under the equity method, the investment is initially recognized at cost, and the carrying amount is adjusted </span><span class=\"S91E SA7 S2\" id=\"t1g_28\">subsequently for: </span><span class=\"S91F SA7 S2\" id=\"t1h_28\">- </span><span class=\"S920 S5B9 S2\" id=\"t1i_28\">the Group\u2019s share of the post</span><span class=\"S921 SA7 S2\" id=\"t1j_28\">-</span><span class=\"S922 S5B9 S2\" id=\"t1k_28\">acquisition profits or losses of the investee, which are recognized in the Group\u2019s </span><span class=\"S923 SA7 S2\" id=\"t1l_28\">Consolidated Statement of Profit or Loss; and </span><span class=\"S924 SA7 S2\" id=\"t1m_28\">- </span><span class=\"S925 SA7 S2\" id=\"t1n_28\">the distributions received from the investee, which reduce the carrying amount of the investment. </span><span class=\"S926 SB S2\" id=\"t5_29\">2.16.  Associates and other investments [continued] </span><span class=\"S927 S5B9 S2\" id=\"t6_29\">The Group\u2019s share of the profits or losses of the investee, or other changes in the investee\u2019s equi </span><span class=\"S928 SA7 S2\" id=\"t7_29\">ty, is determined </span><span class=\"S68A S5B9 S2\" id=\"t8_29\">on the basis of its proportionate ownership interest. The Group recognizes its share of the investee\u2019s income and </span><span class=\"S8F2 SA7 S2\" id=\"t9_29\">losses based on the percentage of the equity interest owned by the Group. </span><span class=\"S929 SA7 S2\" id=\"ta_29\">Gains and losses on the sale of investments are determined based on the specific identification of the cost of each </span><span class=\"S92A SA7 S2\" id=\"tb_29\">investment. </span><span class=\"S97B SB S2\" id=\"tm_30\">2.20. Financial liabilities </span><span class=\"S97C SA7 S2\" id=\"tn_30\">The financial liabilities are presented within these lines in the Consolidated Financial Statements: </span><span class=\"S97D SA7 S2\" id=\"to_30\">- </span><span class=\"S97E SA7 S2\" id=\"tp_30\">Amount due to banks, the National Governments, deposits from the National Banks and other banks </span><span class=\"S97F SA7 S2\" id=\"tq_30\">- </span><span class=\"S980 SA7 S2\" id=\"tr_30\">Repo liabilities </span><span class=\"S981 SA7 S2\" id=\"ts_30\">- </span><span class=\"S982 SA7 S2\" id=\"tt_30\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S983 SA7 S2\" id=\"tu_30\">- </span><span class=\"S984 SA7 S2\" id=\"tv_30\">Deposits from customers </span><span class=\"S985 SA7 S2\" id=\"tw_30\">- </span><span class=\"S986 SA7 S2\" id=\"tx_30\">Liabilities from issued securities </span><span class=\"S987 SA7 S2\" id=\"ty_30\">- </span><span class=\"S988 SA7 S2\" id=\"tz_30\">Derivative financial liabilities held for trading </span><span class=\"S989 SA7 S2\" id=\"t10_30\">- </span><span class=\"S98A SA7 S2\" id=\"t11_30\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S98B SA7 S2\" id=\"t12_30\">- </span><span class=\"S98C SA7 S2\" id=\"t13_30\">Other financial liabilities </span><span class=\"S98D SA7 S2\" id=\"t14_30\">At initial recognition, the Group measures financial liabilities at fair value plus or minus </span><span class=\"S98E S5B9 S2\" id=\"t15_30\">\u2013 </span><span class=\"S98F SA7 S2\" id=\"t16_30\">in the case of a financial </span><span class=\"S990 SA7 S2\" id=\"t17_30\">liability not at fair value through profit or loss </span><span class=\"S991 S5B9 S2\" id=\"t18_30\">\u2013 </span><span class=\"S992 SA7 S2\" id=\"t19_30\">transaction costs that are directly attributable to the acquisition or </span><span class=\"S993 SA7 S2\" id=\"t1a_30\">issue of the financial liability. </span><span class=\"S994 SA7 S2\" id=\"t1b_30\">Usually, the initial fair value of financial liabilities equals to transaction value. However, when the amounts are </span><span class=\"S995 SA7 S2\" id=\"t1c_30\">not equal, the initial fair value difference should be recognized. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span><span class=\"S99B SA7 S2\" id=\"t1i_30\">Financial liabilities at fair value through profit or loss are either financial liabilities held for trading or they are </span><span class=\"S99C SA7 S2\" id=\"t1j_30\">designated upon initial recognition as at fair value through profit or loss. </span><span class=\"S99D SA7 S2\" id=\"t1k_30\">In connection to the derivative financial liabilities measured at fair value through profit or loss, the Group presents </span><span class=\"S99E SA7 S2\" id=\"t1l_30\">the amount of change in their fair value originated from the changes of market conditions and business </span><span class=\"S99F SA7 S2\" id=\"t1m_30\">environment. </span><span class=\"S9A0 SA7 S2\" id=\"t1n_30\">The Group designated some financial liabilities upon initial recognition to measure at fair value through profit or </span><span class=\"S9A1 SA7 S2\" id=\"t1o_30\">loss. This classification eliminates or significantly reduces a measurement or recognition inconsistency that would </span><span class=\"S9A2 SA7 S2\" id=\"t1p_30\">otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases </span><span class=\"S9A3 S5B9 S2\" id=\"t1q_30\">(\u201caccounting mismatch\u201d). </span><span class=\"S9A4 SA7 S2\" id=\"t1r_30\">The changes in fair value of these liabilities are recognized in profit or loss, except the </span><span class=\"S9A5 SA7 S2\" id=\"t1s_30\">fair value changes attributable to credit risk which are recognized among other comprehensive income. </span><span class=\"S7D9 SB S2\" id=\"t5_31\">2.20. </span><span class=\"S9A7 SB S2\" id=\"t6_31\">Financial liabilities [continued] </span><span class=\"S9A8 SA7 S2\" id=\"t7_31\">In the case of financial liabilities measured at amortized cost fees and commissions related to the origination of </span><span class=\"S9A9 SA7 S2\" id=\"t8_31\">the financial liability are recognized through profit or loss during the maturity of the instrument using effective </span><span class=\"S9AA SA7 S2\" id=\"t9_31\">interest method. In certain cases, the Group repurchases a part of financial liabilities (mainly issued securities or </span><span class=\"S9AB SA7 S2\" id=\"ta_31\">subordinated bonds) and the difference between the carrying amount of the financial liability and the amount paid </span><span class=\"S9AC SA7 S2\" id=\"tb_31\">for it is recognized in the net profit or loss for the period and included in other operating income. </span><span class=\"SAB5 SB S2\" id=\"td_37\">3.1. </span><span class=\"SAB6 SB S2\" id=\"te_37\">Loss allowances on financial instruments exposed to credit risk </span><span class=\"SAB7 SA7 S2\" id=\"tf_37\">The Group regularly assesses its financial instruments portfolio for loss allowance. Management determines the </span><span class=\"SAB8 SA7 S2\" id=\"tg_37\">adequacy of the loss allowances based upon reviews of individual loans and placements, recent loss experience, </span><span class=\"SAB9 SA7 S2\" id=\"th_37\">current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. </span><span class=\"SABA SA7 S2\" id=\"ti_37\">The use of the three-stage model was implemented for IFRS 9 purposes. The impairment methodology is used to </span><span class=\"SABB SA7 S2\" id=\"tj_37\">classify financial instruments in order to determine whether credit risk has significantly increased since initial </span><span class=\"SABC SA7 S2\" id=\"tk_37\">recognition and to identify the credit-impaired assets. For instruments with credit-impairment or significant </span><span class=\"SABD SA7 S2\" id=\"tl_37\">increase of credit risk lifetime expected losses are recognized (see more details in Note 37.1.) </span><span class=\"SABE SB S2\" id=\"tm_37\">3.2. </span><span class=\"SABF SB S2\" id=\"tn_37\">Valuation of instruments without direct quotations </span><span class=\"SAC0 SA7 S2\" id=\"to_37\">Financial instruments without direct quotations in an active market are valued using the valuation model technique. </span><span class=\"SAC1 SA7 S2\" id=\"tp_37\">The models are regularly reviewed and each model is calibrated for the most recent available market data. While </span><span class=\"SAC2 SA7 S2\" id=\"tq_37\">the models are built only on available data, their use is subject to certain assumptions and estimates (e.g. </span><span class=\"SAC3 SA7 S2\" id=\"tr_37\">correlations, volatilities, etc.). Changes in the model assumptions may affect the reported fair value of the relevant </span><span class=\"SAC4 SA7 S2\" id=\"ts_37\">financial instruments. </span><span class=\"SAC5 SA7 S2\" id=\"tt_37\">IFRS 13 Fair Value Measurement seeks to increase the consistency and comparability in fair value measurements </span><span class=\"SAC6 SA7 S2\" id=\"tu_37\">and related disclosures through a 'fair value hierarchy'. The hierarchy categorises the inputs used in valuation </span><span class=\"SAC7 SA7 S2\" id=\"tv_37\">techniques into three levels. The hierarchy gives the highest priority to (unadjusted) quoted prices in active markets </span><span class=\"SAC8 SA7 S2\" id=\"tw_37\">for identical assets or liabilities and the lowest priority to unobservable inputs. The Group evaluates the levelling </span><span class=\"SA69 SA7 S2\" id=\"tx_37\">at each reporting period on an instrument-by-instrument basis and reclassifies instruments when necessary, based </span><span class=\"SAC9 SA7 S2\" id=\"ty_37\">on the facts at the beginning of the reporting period. The objective of a fair value measurement is to estimate the </span><span class=\"SACA SA7 S2\" id=\"tz_37\">price at which an orderly transaction to sell the asset or to transfer the liability would take place between market </span><span class=\"SACB SA7 S2\" id=\"t10_37\">participants at the measurement date under current market conditions. </span><span class=\"SAE1 SB S2\" id=\"tg_38\">3.5. </span><span class=\"SAE2 SB S2\" id=\"th_38\">Business model </span><span class=\"SAE3 SA7 S2\" id=\"ti_38\">A business model refers to how the Group manages its financial instruments in order to generate cash flows. It is </span><span class=\"SAE4 SA7 S2\" id=\"tj_38\">determined at a level that reflects how groups of financial instruments are managed rather than at an instrument </span><span class=\"SAE5 SA7 S2\" id=\"tk_38\">level. </span><span class=\"SAE6 SA7 S2\" id=\"tl_38\">The financial assets held by the Group are classified into three categories depending on the business model within </span><span class=\"SAE7 SA7 S2\" id=\"tm_38\">the financial assets are managed. </span><span class=\"SAE8 S602 S2\" id=\"tn_38\">\u2022 </span><span class=\"SAE9 SA7 S2\" id=\"to_38\">Business model whose objective is to hold financial assets in order to collect contractual cash flows. Some </span><span class=\"SAEA SA7 S2\" id=\"tp_38\">sales can be consistent with hold to collect business model and the Group assesses the nature, frequency </span><span class=\"SAEB SA7 S2\" id=\"tq_38\">and significance of any sales occurring. The Group does not consider the sale frequent when at least six </span><span class=\"SAEC SA7 S2\" id=\"tr_38\">months have elapsed between sales. The significant sales are those when the sales exceed 2% of the total </span><span class=\"SAED SA7 S2\" id=\"ts_38\">hold to collect portfolio. Within this business model the Group manages mainly loans and advances and </span><span class=\"SAEE SA7 S2\" id=\"tt_38\">long-term securities and other financial assets. </span><span class=\"SAEF S602 S2\" id=\"tu_38\">\u2022 </span><span class=\"SAF0 SA7 S2\" id=\"tv_38\">Business model whose objective is achieved by both collecting contractual cash flows and selling </span><span class=\"SAF1 SA7 S2\" id=\"tw_38\">financial assets. Within this business model the Group only manages securities. </span><span class=\"SAF2 S602 S2\" id=\"tx_38\">\u2022 </span><span class=\"SAF3 SA7 S2\" id=\"ty_38\">Business model whose objective is to achieve gains in a short-term period. Within this business model </span><span class=\"SAF4 SA7 S2\" id=\"tz_38\">the Group manages securities and derivative financial instrument. </span><span class=\"SAF5 SA7 S2\" id=\"t10_38\">If cash flows are realised in a way that is different from the expectations at the date that the Bank/Group assessed </span><span class=\"SAF6 S5B9 S2\" id=\"t11_38\">the business model, that does not give rise to a prior error in the Group\u2019s financial statements nor does it change </span><span class=\"SAF7 SA7 S2\" id=\"t12_38\">the classification of the remaining financial assets held in that business model. </span><span class=\"SAF8 SA7 S2\" id=\"t13_38\">When, and only when the Group changes its business model for managing financial assets it reclassifies all affected </span><span class=\"SAF9 S5B9 S2\" id=\"t14_38\">assets. Such changes are determined by the Group\u2019s senior management as a result of external or internal changes </span><span class=\"SAFA S5B9 S2\" id=\"t15_38\">and must be significant to the Group\u2019s operations a</span><span class=\"SAFB SA7 S2\" id=\"t16_38\">nd demonstrable to external parties. The Group shall not </span><span class=\"SAFC SA7 S2\" id=\"t17_38\">reclassify any financial liability. </span><span class=\"SAFD SB S2\" id=\"t18_38\">3.6. </span><span class=\"SAFE SB S2\" id=\"t19_38\">Contractual cash-flow characteristics of financial assets </span><span class=\"SAFF SA7 S2\" id=\"t1a_38\">Classification of a financial asset is based on the characteristics of its contractual cash flows if the financial asset </span><span class=\"SB00 SA7 S2\" id=\"t1b_38\">is held within a business model whose objective is to hold assets to collect contractual cash flows or within a </span><span class=\"SB01 SA7 S2\" id=\"t1c_38\">business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. </span><span class=\"SB02 S5B9 S2\" id=\"t1d_38\">The Group should determine whether the asset\u2019s contractual cash flows are solely payments of principal and </span><span class=\"SB03 SA7 S2\" id=\"t1e_38\">interest on the principal amount outstanding (SPPI test). Contractual cash flows that are solely payments of </span><span class=\"SB04 SA7 S2\" id=\"t1f_38\">principal and interest on the principal amount outstanding are consistent with a basic lending arrangement. </span><span class=\"S5BC SB S2\" id=\"t6_39\">3.6. </span><span class=\"SB05 SB S2\" id=\"t7_39\">Contractual cash-flow characteristics of financial assets [continued] </span><span class=\"SB06 SA7 S2\" id=\"t8_39\">Contractual terms that introduce exposure to risks or volatility in the contractual cash flows that is unrelated to a </span><span class=\"SB07 SA7 S2\" id=\"t9_39\">basic lending arrangement, such as exposure to changes in equity prices or commodity prices, do not give rise to </span><span class=\"SB08 SA7 S2\" id=\"ta_39\">contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. The </span><span class=\"SB09 SA7 S2\" id=\"tb_39\">Group assesses whether contractual cash flows are solely payments of principal and interest on the principal </span><span class=\"S6B9 SA7 S2\" id=\"tc_39\">amount outstanding for the currency in which the financial asset is denominated. </span><span class=\"SB0A SA7 S2\" id=\"td_39\">The time value of money is the element of interest that provides consideration for only the passage of time. </span><span class=\"SB0B SA7 S2\" id=\"te_39\">However, in some cases, the time value of money element may be modified. In such cases, the Group assesses the </span><span class=\"SB0C SA7 S2\" id=\"tf_39\">modification to determine whether the contractual cash flows represent solely payments of principal and interest </span><span class=\"SB0D SA7 S2\" id=\"tg_39\">on the principal amount outstanding. </span><span class=\"SB0E SA7 S2\" id=\"th_39\">When assessing a modified time value of money element, the objective is to determine how different the </span><span class=\"SB0F SA7 S2\" id=\"ti_39\">undiscounted contractual cash flows could be from undiscounted cash flows that would arise if the time value of </span><span class=\"SB10 SA7 S2\" id=\"tj_39\">money element was not modified (the benchmark cash flows). The benchmark instrument can be an actual or a </span><span class=\"SA8E SA7 S2\" id=\"tk_39\">hypothetical financial asset. If the undiscounted contractual cash flows significantly </span><span class=\"SB11 S5B9 S2\" id=\"tl_39\">\u2013 </span><span class=\"SB12 SA7 S2\" id=\"tm_39\">above 2% </span><span class=\"SB13 S5B9 S2\" id=\"tn_39\">\u2013 </span><span class=\"SB14 SA7 S2\" id=\"to_39\">differ from the </span><span class=\"SB15 SA7 S2\" id=\"tp_39\">undiscounted benchmark cash flows, the financial asset should be subsequently measured at fair value through </span><span class=\"SB16 SA7 S2\" id=\"tq_39\">profit or loss. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2809": {
   "value": "<span class=\"S72B SB S2\" id=\"tr_19\">2.6. </span><span class=\"S72C SB S2\" id=\"ts_19\">Financial assets at fair value through profit or loss </span><span class=\"S72D SB S2\" id=\"tt_19\">2.6.1. </span><span class=\"S72E SB S2\" id=\"tu_19\">Securities held for trading </span><span class=\"S72F SA7 S2\" id=\"tv_19\">Investments in securities are accounted for on a trade date basis and are initially measured at fair value. Securities </span><span class=\"S730 SA7 S2\" id=\"tw_19\">held for trading are measured at subsequent reporting dates at fair value, so unrealized gains and losses on held for </span><span class=\"S731 SA7 S2\" id=\"tx_19\">trading securities are recognized in profit or loss and included in the Consolidated Statement of Profit or Loss for </span><span class=\"S732 SA7 S2\" id=\"ty_19\">the period. The Group holds held for trading securities within the business model to obtain short-term gains, </span><span class=\"S733 SA7 S2\" id=\"tz_19\">consequently realized and unrealized gains and losses are recognized in the net operating income, while interest </span><span class=\"S734 SA7 S2\" id=\"t10_19\">income is recognized in income similar to interest income. </span><span class=\"S735 SA7 S2\" id=\"t11_19\">Such securities consist of equity instruments, shares in investment funds, Hungarian and foreign government </span><span class=\"S736 SA7 S2\" id=\"t12_19\">bonds, corporate bonds, discounted treasury bills, mortgage bonds and other securities. </span><span class=\"S737 SB S2\" id=\"t13_19\">2.6.2. </span><span class=\"S738 SB S2\" id=\"t14_19\">Financial assets designated as fair value through profit or loss </span><span class=\"S739 SA7 S2\" id=\"t15_19\">The Group may - at initial recognition - irrevocable designate a financial asset as measured at fair value through </span><span class=\"S73A SA7 S2\" id=\"t16_19\">profit or loss that would otherwise be measured at fair value through other comprehensive income or at amortized </span><span class=\"S73B SA7 S2\" id=\"t17_19\">cost. </span><span class=\"S73C SA7 S2\" id=\"t18_19\">The Group uses fair value designation if the classification eliminates or significantly reduces a measurement or </span><span class=\"S73D SA7 S2\" id=\"t19_19\">recognition inconsistency that would otherwise arise from measuring assets or liabilities or recognising the gains </span><span class=\"S73E SA7 S2\" id=\"t1a_19\">and losses on them on different ba</span><span class=\"S73F S5B9 S2\" id=\"t1b_19\">ses (\u2018accounting mismatch\u2019). </span><span class=\"S740 SA7 S2\" id=\"t1c_19\">The use of the fair value designation is based only on direct decision of management of the Group. The Group </span><span class=\"S741 S5B9 S2\" id=\"t1d_19\">currently doesn\u2019t apply this method. </span><span class=\"S585 SB S2\" id=\"t5_20\">2.6. </span><span class=\"S742 SB S2\" id=\"t6_20\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S743 SB S2\" id=\"t7_20\">2.6.3. </span><span class=\"S744 SB S2\" id=\"t8_20\">Derivative financial instruments </span><span class=\"S745 SA7 S2\" id=\"t9_20\">In the normal course of business, the Group is a party to contracts for derivative financial instruments, which </span><span class=\"S746 SA7 S2\" id=\"ta_20\">represent a low initial investment compared to the notional value of the contract and their value depends on value </span><span class=\"S747 SA7 S2\" id=\"tb_20\">of underlying asset and are settled in the future. The derivative financial instruments used include interest rate </span><span class=\"S748 SA7 S2\" id=\"tc_20\">forward or swap agreements and currency forward or swap agreements and options. These financial instruments </span><span class=\"S749 SA7 S2\" id=\"td_20\">are used by the Group both for trading purposes and to hedge interest rate risk and currency exposures associated </span><span class=\"S74A SA7 S2\" id=\"te_20\">with its transactions in the financial markets (it is the so-called economic hedge, accounting hedge is described </span><span class=\"S74B SA7 S2\" id=\"tf_20\">later). </span><span class=\"S74C SA7 S2\" id=\"tg_20\">Derivative financial instruments are accounted for on a trade date basis and are initially measured at fair value and </span><span class=\"S74D SA7 S2\" id=\"th_20\">at subsequent reporting dates also at fair value. Fair values are obtained from quoted market prices, discounted </span><span class=\"S74E SA7 S2\" id=\"ti_20\">cash-flow models and option pricing models as appropriate. The Group adopts a multi curve valuation approach </span><span class=\"S74F SA7 S2\" id=\"tj_20\">for calculating the net present value of future cash-flows </span><span class=\"S750 S5B9 S2\" id=\"tk_20\">\u2013 </span><span class=\"S751 SA7 S2\" id=\"tl_20\">based on different curves used for determining forward </span><span class=\"S752 SA7 S2\" id=\"tm_20\">rates and used for discounting purposes. It shows the best estimation of such derivative deals that are collateralised </span><span class=\"S753 SA7 S2\" id=\"tn_20\">as the Group has almost all of its open derivative transactions collateralised. </span><span class=\"S754 SA7 S2\" id=\"to_20\">Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognized </span><span class=\"S755 SA7 S2\" id=\"tp_20\">in profit or loss and are included in the Consolidated Statement of Profit or Loss for the period. Each derivative </span><span class=\"S6C3 SA7 S2\" id=\"tq_20\">deal is determined as asset when fair value is positive and as liability when fair value is negative. </span><span class=\"S756 SA7 S2\" id=\"tr_20\">Certain derivative transactions, while providing effective economic hedges under the risk management policy of </span><span class=\"S757 SA7 S2\" id=\"ts_20\">the Group, do not qualify for hedge accounting under the specific rules of IFRS 9 and are therefore treated as </span><span class=\"S758 SA7 S2\" id=\"tt_20\">derivatives held for trading with fair value gains and losses charged directly to the Consolidated Statement of </span><span class=\"S759 SA7 S2\" id=\"tu_20\">Profit or Loss. </span><span class=\"S75A SC S2\" id=\"tv_20\">Foreign currency contracts </span><span class=\"S75B SA7 S2\" id=\"tw_20\">Foreign currency contracts are agreements to exchange specific amounts of currencies at a specified rate of </span><span class=\"S75C SA7 S2\" id=\"tx_20\">exchange, at a spot date (settlement occurs two days after the trade date) or at a forward date (settlement occurs </span><span class=\"S75D SA7 S2\" id=\"ty_20\">more than two days after the trade date). The notional amount of these forward contracts does not represent the </span><span class=\"S75E SA7 S2\" id=\"tz_20\">actual market or credit risk associated with these contracts. </span><span class=\"S75F SA7 S2\" id=\"t10_20\">Foreign currency contracts are used by the Group for risk management and trading purposes. The risk management </span><span class=\"S760 SA7 S2\" id=\"t11_20\">foreign currency contracts of the Group were used to hedge the exchange rate fluctuations of loans and deposits to </span><span class=\"S761 SA7 S2\" id=\"t12_20\">credit institutions denominated in foreign currency. </span><span class=\"S762 SC S2\" id=\"t13_20\">Foreign exchange swaps and interest rate swaps </span><span class=\"S763 S5B9 S2\" id=\"t14_20\">The Group enters into foreign exchange swap and interest rate swap (\u201cIRS\u201d) transactions. The swap transaction is </span><span class=\"S764 SA7 S2\" id=\"t15_20\">an agreement concerning the swap of certain financial instruments, which usually consists of spot and one or more </span><span class=\"S765 SA7 S2\" id=\"t16_20\">forward contracts. </span><span class=\"S766 SA7 S2\" id=\"t17_20\">IRS transactions oblige two parties to exchange one or more payments calculated with reference to fixed or </span><span class=\"S767 SA7 S2\" id=\"t18_20\">periodically reset rates of interest applied to a specific notional principal amount (the base of the interest </span><span class=\"S768 SA7 S2\" id=\"t19_20\">calculation). Notional principal is the amount upon which interest rates are applied to determine the payment </span><span class=\"S769 SA7 S2\" id=\"t1a_20\">streams under IRS transactions. Such notional principal amounts often are used to express the volume of these </span><span class=\"S76A SA7 S2\" id=\"t1b_20\">transactions but are not actually exchanged between the counterparties. </span><span class=\"S76B SA7 S2\" id=\"t1c_20\">IRS transactions are used by the Group for risk management and trading purposes. </span><span class=\"S76C SC S2\" id=\"t1d_20\">Cross-currency interest rate swaps </span><span class=\"S76D SA7 S2\" id=\"t1e_20\">The Group enters into cross-currency interest rate swap (CCIRS) transactions which have special attributes, i.e. </span><span class=\"S76E SA7 S2\" id=\"t1f_20\">the parties exchange the notional amount at the beginning and also at the maturity of the transaction. A special </span><span class=\"S76F SA7 S2\" id=\"t1g_20\">type of these deals is the mark-to-market CCIRS agreements. For these kind of transactions the parties </span><span class=\"S770 S5B9 S2\" id=\"t1h_20\">\u2013 </span><span class=\"S771 SA7 S2\" id=\"t1i_20\">in </span><span class=\"S772 SA7 S2\" id=\"t1j_20\">accordance with the foreign exchange prices </span><span class=\"S773 S5B9 S2\" id=\"t1k_20\">\u2013 </span><span class=\"S774 SA7 S2\" id=\"t1l_20\">revalue the notional amount during lifetime of the transaction. </span><span class=\"S585 SB S2\" id=\"t5_21\">2.6. </span><span class=\"S775 SB S2\" id=\"t6_21\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S776 SB S2\" id=\"t7_21\">2.6.3   Derivative financial instruments [continued] </span><span class=\"S777 SC S2\" id=\"t8_21\">Equity and commodity swaps </span><span class=\"S778 SA7 S2\" id=\"t9_21\">Equity swaps obligate two parties to exchange more payments calculated with reference to periodically reset rates </span><span class=\"S779 SA7 S2\" id=\"ta_21\">of interest and performance of indices. A specific notional principal amount is the base of the interest calculation. </span><span class=\"S77A SA7 S2\" id=\"tb_21\">The payment of index return is calculated on the basis of current market price compared to the previous market </span><span class=\"S77B SA7 S2\" id=\"tc_21\">price. In case of commodity swaps payments are calculated on the basis of the strike price of a predefined </span><span class=\"S77C SA7 S2\" id=\"td_21\">commodity compared to its average market price in a period. </span><span class=\"S77D SC S2\" id=\"te_21\">Forward rate agreements (FRA) </span><span class=\"S77E SA7 S2\" id=\"tf_21\">A forward rate agreement is an agreement to settle amounts at a specified future date based on the difference </span><span class=\"S77F SA7 S2\" id=\"tg_21\">between an interest rate index and an agreed upon fixed rate. Market risk arises from changes in the market value </span><span class=\"S780 SA7 S2\" id=\"th_21\">of contractual positions caused by movements in interest rates. </span><span class=\"S781 SA7 S2\" id=\"ti_21\">The Group limits its exposure to market risk by entering into generally matching or offsetting positions and by </span><span class=\"S782 SA7 S2\" id=\"tj_21\">establishing and monitoring limits on unmatched positions. Credit risk is managed through approval procedures </span><span class=\"S783 S5B9 S2\" id=\"tk_21\">that establish specific limits for individual counterparties. The Group\u2019s forward rate agreements were transacted </span><span class=\"S784 SA7 S2\" id=\"tl_21\">for management of interest rate exposures and have been accounted for at mark-to-market fair value. </span><span class=\"S785 SC S2\" id=\"tm_21\">Foreign exchange options </span><span class=\"S786 SA7 S2\" id=\"tn_21\">A foreign exchange option is a derivative financial instrument that gives the owner the right to exchange money </span><span class=\"S787 SA7 S2\" id=\"to_21\">denominated in one currency into another currency at a pre-agreed exchange rate at a specified future date. The </span><span class=\"S788 SA7 S2\" id=\"tp_21\">transaction, for a fee, guarantees a worst-case exchange rate for the futures purchase of one currency for another. </span><span class=\"S789 SA7 S2\" id=\"tq_21\">These options protect against unfavourable currency movements while preserving the ability to participate in </span><span class=\"S78A SA7 S2\" id=\"tr_21\">favourable movements. </span><span class=\"S7BB SB S2\" id=\"tu_22\">2.9. </span><span class=\"S7BC SB S2\" id=\"tv_22\">Embedded derivatives </span><span class=\"S7BD SA7 S2\" id=\"tw_22\">Sometimes, a derivative may be a component of a combined or hybrid contract that includes a host contract and a </span><span class=\"S7BE SA7 S2\" id=\"tx_22\">derivative (the embedded derivative) affecting cash-flows or otherwise modifying the characteristics of the host </span><span class=\"S7BF SA7 S2\" id=\"ty_22\">instrument. An embedded derivative must be separated from the host instrument and accounted for as a separate </span><span class=\"S7C0 SA7 S2\" id=\"tz_22\">derivative if, and only if: </span><span class=\"S7C1 S602 S2\" id=\"t10_22\">\u2022 </span><span class=\"S7C2 SA7 S2\" id=\"t11_22\">The economic characteristics and risks of the embedded derivative are not closely related to the economic </span><span class=\"S7C3 SA7 S2\" id=\"t12_22\">characteristics and risks of the host contract; </span><span class=\"S7C4 S602 S2\" id=\"t13_22\">\u2022 </span><span class=\"S7C5 SA7 S2\" id=\"t14_22\">A separate financial instrument with the same terms as the embedded derivative would meet the definition </span><span class=\"S7C6 SA7 S2\" id=\"t15_22\">of a derivative as a stand-alone instrument; and </span><span class=\"S7C7 S602 S2\" id=\"t16_22\">\u2022 </span><span class=\"S7C8 SA7 S2\" id=\"t17_22\">The host instrument is not measured at fair value or is measured at fair value but changes in fair value are </span><span class=\"S7C9 SA7 S2\" id=\"t18_22\">recognized in Other Comprehensive Income. </span><span class=\"S7CA SA7 S2\" id=\"t19_22\">As long as a hybrid contract contains a host that is a financial asset the general accounting rules for classification, </span><span class=\"S7CB SA7 S2\" id=\"t1a_22\">recognition and measurement of financial assets are applicable for the whole contract and no embedded derivative </span><span class=\"S7CC SA7 S2\" id=\"t1b_22\">is separated. </span><span class=\"S7CD SA7 S2\" id=\"t1c_22\">Derivatives that are required to be separated are measured at fair value at initial recognition and subsequently. If </span><span class=\"S7CE SA7 S2\" id=\"t1d_22\">the Group is unable to measure the embedded derivative separately either at acquisition or at the end of a </span><span class=\"S7CF SA7 S2\" id=\"t1e_22\">subsequent financial reporting period, the Group shall designate the entire hybrid contract as at fair value through </span><span class=\"S7D0 SA7 S2\" id=\"t1f_22\">profit or loss. The Group shall assess whether an embedded derivative is required to be separated from the host </span><span class=\"S7D1 SA7 S2\" id=\"t1g_22\">contract and accounted for as a derivative when the Bank first becomes a party to the contract. </span><span class=\"S7D2 SA7 S2\" id=\"t1h_22\">The separation rules for embedded derivatives are only relevant for financial liabilities. </span><span class=\"S97B SB S2\" id=\"tm_30\">2.20. Financial liabilities </span><span class=\"S97C SA7 S2\" id=\"tn_30\">The financial liabilities are presented within these lines in the Consolidated Financial Statements: </span><span class=\"S97D SA7 S2\" id=\"to_30\">- </span><span class=\"S97E SA7 S2\" id=\"tp_30\">Amount due to banks, the National Governments, deposits from the National Banks and other banks </span><span class=\"S97F SA7 S2\" id=\"tq_30\">- </span><span class=\"S980 SA7 S2\" id=\"tr_30\">Repo liabilities </span><span class=\"S981 SA7 S2\" id=\"ts_30\">- </span><span class=\"S982 SA7 S2\" id=\"tt_30\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S983 SA7 S2\" id=\"tu_30\">- </span><span class=\"S984 SA7 S2\" id=\"tv_30\">Deposits from customers </span><span class=\"S985 SA7 S2\" id=\"tw_30\">- </span><span class=\"S986 SA7 S2\" id=\"tx_30\">Liabilities from issued securities </span><span class=\"S987 SA7 S2\" id=\"ty_30\">- </span><span class=\"S988 SA7 S2\" id=\"tz_30\">Derivative financial liabilities held for trading </span><span class=\"S989 SA7 S2\" id=\"t10_30\">- </span><span class=\"S98A SA7 S2\" id=\"t11_30\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S98B SA7 S2\" id=\"t12_30\">- </span><span class=\"S98C SA7 S2\" id=\"t13_30\">Other financial liabilities </span><span class=\"S98D SA7 S2\" id=\"t14_30\">At initial recognition, the Group measures financial liabilities at fair value plus or minus </span><span class=\"S98E S5B9 S2\" id=\"t15_30\">\u2013 </span><span class=\"S98F SA7 S2\" id=\"t16_30\">in the case of a financial </span><span class=\"S990 SA7 S2\" id=\"t17_30\">liability not at fair value through profit or loss </span><span class=\"S991 S5B9 S2\" id=\"t18_30\">\u2013 </span><span class=\"S992 SA7 S2\" id=\"t19_30\">transaction costs that are directly attributable to the acquisition or </span><span class=\"S993 SA7 S2\" id=\"t1a_30\">issue of the financial liability. </span><span class=\"S994 SA7 S2\" id=\"t1b_30\">Usually, the initial fair value of financial liabilities equals to transaction value. However, when the amounts are </span><span class=\"S995 SA7 S2\" id=\"t1c_30\">not equal, the initial fair value difference should be recognized. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span><span class=\"S99B SA7 S2\" id=\"t1i_30\">Financial liabilities at fair value through profit or loss are either financial liabilities held for trading or they are </span><span class=\"S99C SA7 S2\" id=\"t1j_30\">designated upon initial recognition as at fair value through profit or loss. </span><span class=\"S99D SA7 S2\" id=\"t1k_30\">In connection to the derivative financial liabilities measured at fair value through profit or loss, the Group presents </span><span class=\"S99E SA7 S2\" id=\"t1l_30\">the amount of change in their fair value originated from the changes of market conditions and business </span><span class=\"S99F SA7 S2\" id=\"t1m_30\">environment. </span><span class=\"S9A0 SA7 S2\" id=\"t1n_30\">The Group designated some financial liabilities upon initial recognition to measure at fair value through profit or </span><span class=\"S9A1 SA7 S2\" id=\"t1o_30\">loss. This classification eliminates or significantly reduces a measurement or recognition inconsistency that would </span><span class=\"S9A2 SA7 S2\" id=\"t1p_30\">otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases </span><span class=\"S9A3 S5B9 S2\" id=\"t1q_30\">(\u201caccounting mismatch\u201d). </span><span class=\"S9A4 SA7 S2\" id=\"t1r_30\">The changes in fair value of these liabilities are recognized in profit or loss, except the </span><span class=\"S9A5 SA7 S2\" id=\"t1s_30\">fair value changes attributable to credit risk which are recognized among other comprehensive income. </span><span class=\"S7D9 SB S2\" id=\"t5_31\">2.20. </span><span class=\"S9A7 SB S2\" id=\"t6_31\">Financial liabilities [continued] </span><span class=\"S9A8 SA7 S2\" id=\"t7_31\">In the case of financial liabilities measured at amortized cost fees and commissions related to the origination of </span><span class=\"S9A9 SA7 S2\" id=\"t8_31\">the financial liability are recognized through profit or loss during the maturity of the instrument using effective </span><span class=\"S9AA SA7 S2\" id=\"t9_31\">interest method. In certain cases, the Group repurchases a part of financial liabilities (mainly issued securities or </span><span class=\"S9AB SA7 S2\" id=\"ta_31\">subordinated bonds) and the difference between the carrying amount of the financial liability and the amount paid </span><span class=\"S9AC SA7 S2\" id=\"tb_31\">for it is recognized in the net profit or loss for the period and included in other operating income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2810": {
   "value": "<span class=\"S72B SB S2\" id=\"tr_19\">2.6. </span><span class=\"S72C SB S2\" id=\"ts_19\">Financial assets at fair value through profit or loss </span><span class=\"S72D SB S2\" id=\"tt_19\">2.6.1. </span><span class=\"S72E SB S2\" id=\"tu_19\">Securities held for trading </span><span class=\"S72F SA7 S2\" id=\"tv_19\">Investments in securities are accounted for on a trade date basis and are initially measured at fair value. Securities </span><span class=\"S730 SA7 S2\" id=\"tw_19\">held for trading are measured at subsequent reporting dates at fair value, so unrealized gains and losses on held for </span><span class=\"S731 SA7 S2\" id=\"tx_19\">trading securities are recognized in profit or loss and included in the Consolidated Statement of Profit or Loss for </span><span class=\"S732 SA7 S2\" id=\"ty_19\">the period. The Group holds held for trading securities within the business model to obtain short-term gains, </span><span class=\"S733 SA7 S2\" id=\"tz_19\">consequently realized and unrealized gains and losses are recognized in the net operating income, while interest </span><span class=\"S734 SA7 S2\" id=\"t10_19\">income is recognized in income similar to interest income. </span><span class=\"S735 SA7 S2\" id=\"t11_19\">Such securities consist of equity instruments, shares in investment funds, Hungarian and foreign government </span><span class=\"S736 SA7 S2\" id=\"t12_19\">bonds, corporate bonds, discounted treasury bills, mortgage bonds and other securities. </span><span class=\"S737 SB S2\" id=\"t13_19\">2.6.2. </span><span class=\"S738 SB S2\" id=\"t14_19\">Financial assets designated as fair value through profit or loss </span><span class=\"S739 SA7 S2\" id=\"t15_19\">The Group may - at initial recognition - irrevocable designate a financial asset as measured at fair value through </span><span class=\"S73A SA7 S2\" id=\"t16_19\">profit or loss that would otherwise be measured at fair value through other comprehensive income or at amortized </span><span class=\"S73B SA7 S2\" id=\"t17_19\">cost. </span><span class=\"S73C SA7 S2\" id=\"t18_19\">The Group uses fair value designation if the classification eliminates or significantly reduces a measurement or </span><span class=\"S73D SA7 S2\" id=\"t19_19\">recognition inconsistency that would otherwise arise from measuring assets or liabilities or recognising the gains </span><span class=\"S73E SA7 S2\" id=\"t1a_19\">and losses on them on different ba</span><span class=\"S73F S5B9 S2\" id=\"t1b_19\">ses (\u2018accounting mismatch\u2019). </span><span class=\"S740 SA7 S2\" id=\"t1c_19\">The use of the fair value designation is based only on direct decision of management of the Group. The Group </span><span class=\"S741 S5B9 S2\" id=\"t1d_19\">currently doesn\u2019t apply this method. </span><span class=\"S585 SB S2\" id=\"t5_20\">2.6. </span><span class=\"S742 SB S2\" id=\"t6_20\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S743 SB S2\" id=\"t7_20\">2.6.3. </span><span class=\"S744 SB S2\" id=\"t8_20\">Derivative financial instruments </span><span class=\"S745 SA7 S2\" id=\"t9_20\">In the normal course of business, the Group is a party to contracts for derivative financial instruments, which </span><span class=\"S746 SA7 S2\" id=\"ta_20\">represent a low initial investment compared to the notional value of the contract and their value depends on value </span><span class=\"S747 SA7 S2\" id=\"tb_20\">of underlying asset and are settled in the future. The derivative financial instruments used include interest rate </span><span class=\"S748 SA7 S2\" id=\"tc_20\">forward or swap agreements and currency forward or swap agreements and options. These financial instruments </span><span class=\"S749 SA7 S2\" id=\"td_20\">are used by the Group both for trading purposes and to hedge interest rate risk and currency exposures associated </span><span class=\"S74A SA7 S2\" id=\"te_20\">with its transactions in the financial markets (it is the so-called economic hedge, accounting hedge is described </span><span class=\"S74B SA7 S2\" id=\"tf_20\">later). </span><span class=\"S74C SA7 S2\" id=\"tg_20\">Derivative financial instruments are accounted for on a trade date basis and are initially measured at fair value and </span><span class=\"S74D SA7 S2\" id=\"th_20\">at subsequent reporting dates also at fair value. Fair values are obtained from quoted market prices, discounted </span><span class=\"S74E SA7 S2\" id=\"ti_20\">cash-flow models and option pricing models as appropriate. The Group adopts a multi curve valuation approach </span><span class=\"S74F SA7 S2\" id=\"tj_20\">for calculating the net present value of future cash-flows </span><span class=\"S750 S5B9 S2\" id=\"tk_20\">\u2013 </span><span class=\"S751 SA7 S2\" id=\"tl_20\">based on different curves used for determining forward </span><span class=\"S752 SA7 S2\" id=\"tm_20\">rates and used for discounting purposes. It shows the best estimation of such derivative deals that are collateralised </span><span class=\"S753 SA7 S2\" id=\"tn_20\">as the Group has almost all of its open derivative transactions collateralised. </span><span class=\"S754 SA7 S2\" id=\"to_20\">Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognized </span><span class=\"S755 SA7 S2\" id=\"tp_20\">in profit or loss and are included in the Consolidated Statement of Profit or Loss for the period. Each derivative </span><span class=\"S6C3 SA7 S2\" id=\"tq_20\">deal is determined as asset when fair value is positive and as liability when fair value is negative. </span><span class=\"S756 SA7 S2\" id=\"tr_20\">Certain derivative transactions, while providing effective economic hedges under the risk management policy of </span><span class=\"S757 SA7 S2\" id=\"ts_20\">the Group, do not qualify for hedge accounting under the specific rules of IFRS 9 and are therefore treated as </span><span class=\"S758 SA7 S2\" id=\"tt_20\">derivatives held for trading with fair value gains and losses charged directly to the Consolidated Statement of </span><span class=\"S759 SA7 S2\" id=\"tu_20\">Profit or Loss. </span><span class=\"S75A SC S2\" id=\"tv_20\">Foreign currency contracts </span><span class=\"S75B SA7 S2\" id=\"tw_20\">Foreign currency contracts are agreements to exchange specific amounts of currencies at a specified rate of </span><span class=\"S75C SA7 S2\" id=\"tx_20\">exchange, at a spot date (settlement occurs two days after the trade date) or at a forward date (settlement occurs </span><span class=\"S75D SA7 S2\" id=\"ty_20\">more than two days after the trade date). The notional amount of these forward contracts does not represent the </span><span class=\"S75E SA7 S2\" id=\"tz_20\">actual market or credit risk associated with these contracts. </span><span class=\"S75F SA7 S2\" id=\"t10_20\">Foreign currency contracts are used by the Group for risk management and trading purposes. The risk management </span><span class=\"S760 SA7 S2\" id=\"t11_20\">foreign currency contracts of the Group were used to hedge the exchange rate fluctuations of loans and deposits to </span><span class=\"S761 SA7 S2\" id=\"t12_20\">credit institutions denominated in foreign currency. </span><span class=\"S762 SC S2\" id=\"t13_20\">Foreign exchange swaps and interest rate swaps </span><span class=\"S763 S5B9 S2\" id=\"t14_20\">The Group enters into foreign exchange swap and interest rate swap (\u201cIRS\u201d) transactions. The swap transaction is </span><span class=\"S764 SA7 S2\" id=\"t15_20\">an agreement concerning the swap of certain financial instruments, which usually consists of spot and one or more </span><span class=\"S765 SA7 S2\" id=\"t16_20\">forward contracts. </span><span class=\"S766 SA7 S2\" id=\"t17_20\">IRS transactions oblige two parties to exchange one or more payments calculated with reference to fixed or </span><span class=\"S767 SA7 S2\" id=\"t18_20\">periodically reset rates of interest applied to a specific notional principal amount (the base of the interest </span><span class=\"S768 SA7 S2\" id=\"t19_20\">calculation). Notional principal is the amount upon which interest rates are applied to determine the payment </span><span class=\"S769 SA7 S2\" id=\"t1a_20\">streams under IRS transactions. Such notional principal amounts often are used to express the volume of these </span><span class=\"S76A SA7 S2\" id=\"t1b_20\">transactions but are not actually exchanged between the counterparties. </span><span class=\"S76B SA7 S2\" id=\"t1c_20\">IRS transactions are used by the Group for risk management and trading purposes. </span><span class=\"S76C SC S2\" id=\"t1d_20\">Cross-currency interest rate swaps </span><span class=\"S76D SA7 S2\" id=\"t1e_20\">The Group enters into cross-currency interest rate swap (CCIRS) transactions which have special attributes, i.e. </span><span class=\"S76E SA7 S2\" id=\"t1f_20\">the parties exchange the notional amount at the beginning and also at the maturity of the transaction. A special </span><span class=\"S76F SA7 S2\" id=\"t1g_20\">type of these deals is the mark-to-market CCIRS agreements. For these kind of transactions the parties </span><span class=\"S770 S5B9 S2\" id=\"t1h_20\">\u2013 </span><span class=\"S771 SA7 S2\" id=\"t1i_20\">in </span><span class=\"S772 SA7 S2\" id=\"t1j_20\">accordance with the foreign exchange prices </span><span class=\"S773 S5B9 S2\" id=\"t1k_20\">\u2013 </span><span class=\"S774 SA7 S2\" id=\"t1l_20\">revalue the notional amount during lifetime of the transaction. </span><span class=\"S585 SB S2\" id=\"t5_21\">2.6. </span><span class=\"S775 SB S2\" id=\"t6_21\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S776 SB S2\" id=\"t7_21\">2.6.3   Derivative financial instruments [continued] </span><span class=\"S777 SC S2\" id=\"t8_21\">Equity and commodity swaps </span><span class=\"S778 SA7 S2\" id=\"t9_21\">Equity swaps obligate two parties to exchange more payments calculated with reference to periodically reset rates </span><span class=\"S779 SA7 S2\" id=\"ta_21\">of interest and performance of indices. A specific notional principal amount is the base of the interest calculation. </span><span class=\"S77A SA7 S2\" id=\"tb_21\">The payment of index return is calculated on the basis of current market price compared to the previous market </span><span class=\"S77B SA7 S2\" id=\"tc_21\">price. In case of commodity swaps payments are calculated on the basis of the strike price of a predefined </span><span class=\"S77C SA7 S2\" id=\"td_21\">commodity compared to its average market price in a period. </span><span class=\"S77D SC S2\" id=\"te_21\">Forward rate agreements (FRA) </span><span class=\"S77E SA7 S2\" id=\"tf_21\">A forward rate agreement is an agreement to settle amounts at a specified future date based on the difference </span><span class=\"S77F SA7 S2\" id=\"tg_21\">between an interest rate index and an agreed upon fixed rate. Market risk arises from changes in the market value </span><span class=\"S780 SA7 S2\" id=\"th_21\">of contractual positions caused by movements in interest rates. </span><span class=\"S781 SA7 S2\" id=\"ti_21\">The Group limits its exposure to market risk by entering into generally matching or offsetting positions and by </span><span class=\"S782 SA7 S2\" id=\"tj_21\">establishing and monitoring limits on unmatched positions. Credit risk is managed through approval procedures </span><span class=\"S783 S5B9 S2\" id=\"tk_21\">that establish specific limits for individual counterparties. The Group\u2019s forward rate agreements were transacted </span><span class=\"S784 SA7 S2\" id=\"tl_21\">for management of interest rate exposures and have been accounted for at mark-to-market fair value. </span><span class=\"S785 SC S2\" id=\"tm_21\">Foreign exchange options </span><span class=\"S786 SA7 S2\" id=\"tn_21\">A foreign exchange option is a derivative financial instrument that gives the owner the right to exchange money </span><span class=\"S787 SA7 S2\" id=\"to_21\">denominated in one currency into another currency at a pre-agreed exchange rate at a specified future date. The </span><span class=\"S788 SA7 S2\" id=\"tp_21\">transaction, for a fee, guarantees a worst-case exchange rate for the futures purchase of one currency for another. </span><span class=\"S789 SA7 S2\" id=\"tq_21\">These options protect against unfavourable currency movements while preserving the ability to participate in </span><span class=\"S78A SA7 S2\" id=\"tr_21\">favourable movements. </span><span class=\"S7BB SB S2\" id=\"tu_22\">2.9. </span><span class=\"S7BC SB S2\" id=\"tv_22\">Embedded derivatives </span><span class=\"S7BD SA7 S2\" id=\"tw_22\">Sometimes, a derivative may be a component of a combined or hybrid contract that includes a host contract and a </span><span class=\"S7BE SA7 S2\" id=\"tx_22\">derivative (the embedded derivative) affecting cash-flows or otherwise modifying the characteristics of the host </span><span class=\"S7BF SA7 S2\" id=\"ty_22\">instrument. An embedded derivative must be separated from the host instrument and accounted for as a separate </span><span class=\"S7C0 SA7 S2\" id=\"tz_22\">derivative if, and only if: </span><span class=\"S7C1 S602 S2\" id=\"t10_22\">\u2022 </span><span class=\"S7C2 SA7 S2\" id=\"t11_22\">The economic characteristics and risks of the embedded derivative are not closely related to the economic </span><span class=\"S7C3 SA7 S2\" id=\"t12_22\">characteristics and risks of the host contract; </span><span class=\"S7C4 S602 S2\" id=\"t13_22\">\u2022 </span><span class=\"S7C5 SA7 S2\" id=\"t14_22\">A separate financial instrument with the same terms as the embedded derivative would meet the definition </span><span class=\"S7C6 SA7 S2\" id=\"t15_22\">of a derivative as a stand-alone instrument; and </span><span class=\"S7C7 S602 S2\" id=\"t16_22\">\u2022 </span><span class=\"S7C8 SA7 S2\" id=\"t17_22\">The host instrument is not measured at fair value or is measured at fair value but changes in fair value are </span><span class=\"S7C9 SA7 S2\" id=\"t18_22\">recognized in Other Comprehensive Income. </span><span class=\"S7CA SA7 S2\" id=\"t19_22\">As long as a hybrid contract contains a host that is a financial asset the general accounting rules for classification, </span><span class=\"S7CB SA7 S2\" id=\"t1a_22\">recognition and measurement of financial assets are applicable for the whole contract and no embedded derivative </span><span class=\"S7CC SA7 S2\" id=\"t1b_22\">is separated. </span><span class=\"S7CD SA7 S2\" id=\"t1c_22\">Derivatives that are required to be separated are measured at fair value at initial recognition and subsequently. If </span><span class=\"S7CE SA7 S2\" id=\"t1d_22\">the Group is unable to measure the embedded derivative separately either at acquisition or at the end of a </span><span class=\"S7CF SA7 S2\" id=\"t1e_22\">subsequent financial reporting period, the Group shall designate the entire hybrid contract as at fair value through </span><span class=\"S7D0 SA7 S2\" id=\"t1f_22\">profit or loss. The Group shall assess whether an embedded derivative is required to be separated from the host </span><span class=\"S7D1 SA7 S2\" id=\"t1g_22\">contract and accounted for as a derivative when the Bank first becomes a party to the contract. </span><span class=\"S7D2 SA7 S2\" id=\"t1h_22\">The separation rules for embedded derivatives are only relevant for financial liabilities. </span><span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span><span class=\"S97B SB S2\" id=\"tm_30\">2.20. Financial liabilities </span><span class=\"S97C SA7 S2\" id=\"tn_30\">The financial liabilities are presented within these lines in the Consolidated Financial Statements: </span><span class=\"S97D SA7 S2\" id=\"to_30\">- </span><span class=\"S97E SA7 S2\" id=\"tp_30\">Amount due to banks, the National Governments, deposits from the National Banks and other banks </span><span class=\"S97F SA7 S2\" id=\"tq_30\">- </span><span class=\"S980 SA7 S2\" id=\"tr_30\">Repo liabilities </span><span class=\"S981 SA7 S2\" id=\"ts_30\">- </span><span class=\"S982 SA7 S2\" id=\"tt_30\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S983 SA7 S2\" id=\"tu_30\">- </span><span class=\"S984 SA7 S2\" id=\"tv_30\">Deposits from customers </span><span class=\"S985 SA7 S2\" id=\"tw_30\">- </span><span class=\"S986 SA7 S2\" id=\"tx_30\">Liabilities from issued securities </span><span class=\"S987 SA7 S2\" id=\"ty_30\">- </span><span class=\"S988 SA7 S2\" id=\"tz_30\">Derivative financial liabilities held for trading </span><span class=\"S989 SA7 S2\" id=\"t10_30\">- </span><span class=\"S98A SA7 S2\" id=\"t11_30\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S98B SA7 S2\" id=\"t12_30\">- </span><span class=\"S98C SA7 S2\" id=\"t13_30\">Other financial liabilities </span><span class=\"S98D SA7 S2\" id=\"t14_30\">At initial recognition, the Group measures financial liabilities at fair value plus or minus </span><span class=\"S98E S5B9 S2\" id=\"t15_30\">\u2013 </span><span class=\"S98F SA7 S2\" id=\"t16_30\">in the case of a financial </span><span class=\"S990 SA7 S2\" id=\"t17_30\">liability not at fair value through profit or loss </span><span class=\"S991 S5B9 S2\" id=\"t18_30\">\u2013 </span><span class=\"S992 SA7 S2\" id=\"t19_30\">transaction costs that are directly attributable to the acquisition or </span><span class=\"S993 SA7 S2\" id=\"t1a_30\">issue of the financial liability. </span><span class=\"S994 SA7 S2\" id=\"t1b_30\">Usually, the initial fair value of financial liabilities equals to transaction value. However, when the amounts are </span><span class=\"S995 SA7 S2\" id=\"t1c_30\">not equal, the initial fair value difference should be recognized. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span><span class=\"S99B SA7 S2\" id=\"t1i_30\">Financial liabilities at fair value through profit or loss are either financial liabilities held for trading or they are </span><span class=\"S99C SA7 S2\" id=\"t1j_30\">designated upon initial recognition as at fair value through profit or loss. </span><span class=\"S99D SA7 S2\" id=\"t1k_30\">In connection to the derivative financial liabilities measured at fair value through profit or loss, the Group presents </span><span class=\"S99E SA7 S2\" id=\"t1l_30\">the amount of change in their fair value originated from the changes of market conditions and business </span><span class=\"S99F SA7 S2\" id=\"t1m_30\">environment. </span><span class=\"S9A0 SA7 S2\" id=\"t1n_30\">The Group designated some financial liabilities upon initial recognition to measure at fair value through profit or </span><span class=\"S9A1 SA7 S2\" id=\"t1o_30\">loss. This classification eliminates or significantly reduces a measurement or recognition inconsistency that would </span><span class=\"S9A2 SA7 S2\" id=\"t1p_30\">otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases </span><span class=\"S9A3 S5B9 S2\" id=\"t1q_30\">(\u201caccounting mismatch\u201d). </span><span class=\"S9A4 SA7 S2\" id=\"t1r_30\">The changes in fair value of these liabilities are recognized in profit or loss, except the </span><span class=\"S9A5 SA7 S2\" id=\"t1s_30\">fair value changes attributable to credit risk which are recognized among other comprehensive income. </span><span class=\"S7D9 SB S2\" id=\"t5_31\">2.20. </span><span class=\"S9A7 SB S2\" id=\"t6_31\">Financial liabilities [continued] </span><span class=\"S9A8 SA7 S2\" id=\"t7_31\">In the case of financial liabilities measured at amortized cost fees and commissions related to the origination of </span><span class=\"S9A9 SA7 S2\" id=\"t8_31\">the financial liability are recognized through profit or loss during the maturity of the instrument using effective </span><span class=\"S9AA SA7 S2\" id=\"t9_31\">interest method. In certain cases, the Group repurchases a part of financial liabilities (mainly issued securities or </span><span class=\"S9AB SA7 S2\" id=\"ta_31\">subordinated bonds) and the difference between the carrying amount of the financial liability and the amount paid </span><span class=\"S9AC SA7 S2\" id=\"tb_31\">for it is recognized in the net profit or loss for the period and included in other operating income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2843": {
   "value": "<span class=\"S585 SB S2\" id=\"t5_20\">2.6. </span><span class=\"S742 SB S2\" id=\"t6_20\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S743 SB S2\" id=\"t7_20\">2.6.3. </span><span class=\"S744 SB S2\" id=\"t8_20\">Derivative financial instruments </span><span class=\"S745 SA7 S2\" id=\"t9_20\">In the normal course of business, the Group is a party to contracts for derivative financial instruments, which </span><span class=\"S746 SA7 S2\" id=\"ta_20\">represent a low initial investment compared to the notional value of the contract and their value depends on value </span><span class=\"S747 SA7 S2\" id=\"tb_20\">of underlying asset and are settled in the future. The derivative financial instruments used include interest rate </span><span class=\"S748 SA7 S2\" id=\"tc_20\">forward or swap agreements and currency forward or swap agreements and options. These financial instruments </span><span class=\"S749 SA7 S2\" id=\"td_20\">are used by the Group both for trading purposes and to hedge interest rate risk and currency exposures associated </span><span class=\"S74A SA7 S2\" id=\"te_20\">with its transactions in the financial markets (it is the so-called economic hedge, accounting hedge is described </span><span class=\"S74B SA7 S2\" id=\"tf_20\">later). </span><span class=\"S74C SA7 S2\" id=\"tg_20\">Derivative financial instruments are accounted for on a trade date basis and are initially measured at fair value and </span><span class=\"S74D SA7 S2\" id=\"th_20\">at subsequent reporting dates also at fair value. Fair values are obtained from quoted market prices, discounted </span><span class=\"S74E SA7 S2\" id=\"ti_20\">cash-flow models and option pricing models as appropriate. The Group adopts a multi curve valuation approach </span><span class=\"S74F SA7 S2\" id=\"tj_20\">for calculating the net present value of future cash-flows </span><span class=\"S750 S5B9 S2\" id=\"tk_20\">\u2013 </span><span class=\"S751 SA7 S2\" id=\"tl_20\">based on different curves used for determining forward </span><span class=\"S752 SA7 S2\" id=\"tm_20\">rates and used for discounting purposes. It shows the best estimation of such derivative deals that are collateralised </span><span class=\"S753 SA7 S2\" id=\"tn_20\">as the Group has almost all of its open derivative transactions collateralised. </span><span class=\"S754 SA7 S2\" id=\"to_20\">Changes in the fair value of derivative financial instruments that do not qualify for hedge accounting are recognized </span><span class=\"S755 SA7 S2\" id=\"tp_20\">in profit or loss and are included in the Consolidated Statement of Profit or Loss for the period. Each derivative </span><span class=\"S6C3 SA7 S2\" id=\"tq_20\">deal is determined as asset when fair value is positive and as liability when fair value is negative. </span><span class=\"S756 SA7 S2\" id=\"tr_20\">Certain derivative transactions, while providing effective economic hedges under the risk management policy of </span><span class=\"S757 SA7 S2\" id=\"ts_20\">the Group, do not qualify for hedge accounting under the specific rules of IFRS 9 and are therefore treated as </span><span class=\"S758 SA7 S2\" id=\"tt_20\">derivatives held for trading with fair value gains and losses charged directly to the Consolidated Statement of </span><span class=\"S759 SA7 S2\" id=\"tu_20\">Profit or Loss. </span><span class=\"S75A SC S2\" id=\"tv_20\">Foreign currency contracts </span><span class=\"S75B SA7 S2\" id=\"tw_20\">Foreign currency contracts are agreements to exchange specific amounts of currencies at a specified rate of </span><span class=\"S75C SA7 S2\" id=\"tx_20\">exchange, at a spot date (settlement occurs two days after the trade date) or at a forward date (settlement occurs </span><span class=\"S75D SA7 S2\" id=\"ty_20\">more than two days after the trade date). The notional amount of these forward contracts does not represent the </span><span class=\"S75E SA7 S2\" id=\"tz_20\">actual market or credit risk associated with these contracts. </span><span class=\"S75F SA7 S2\" id=\"t10_20\">Foreign currency contracts are used by the Group for risk management and trading purposes. The risk management </span><span class=\"S760 SA7 S2\" id=\"t11_20\">foreign currency contracts of the Group were used to hedge the exchange rate fluctuations of loans and deposits to </span><span class=\"S761 SA7 S2\" id=\"t12_20\">credit institutions denominated in foreign currency. </span><span class=\"S762 SC S2\" id=\"t13_20\">Foreign exchange swaps and interest rate swaps </span><span class=\"S763 S5B9 S2\" id=\"t14_20\">The Group enters into foreign exchange swap and interest rate swap (\u201cIRS\u201d) transactions. The swap transaction is </span><span class=\"S764 SA7 S2\" id=\"t15_20\">an agreement concerning the swap of certain financial instruments, which usually consists of spot and one or more </span><span class=\"S765 SA7 S2\" id=\"t16_20\">forward contracts. </span><span class=\"S766 SA7 S2\" id=\"t17_20\">IRS transactions oblige two parties to exchange one or more payments calculated with reference to fixed or </span><span class=\"S767 SA7 S2\" id=\"t18_20\">periodically reset rates of interest applied to a specific notional principal amount (the base of the interest </span><span class=\"S768 SA7 S2\" id=\"t19_20\">calculation). Notional principal is the amount upon which interest rates are applied to determine the payment </span><span class=\"S769 SA7 S2\" id=\"t1a_20\">streams under IRS transactions. Such notional principal amounts often are used to express the volume of these </span><span class=\"S76A SA7 S2\" id=\"t1b_20\">transactions but are not actually exchanged between the counterparties. </span><span class=\"S76B SA7 S2\" id=\"t1c_20\">IRS transactions are used by the Group for risk management and trading purposes. </span><span class=\"S76C SC S2\" id=\"t1d_20\">Cross-currency interest rate swaps </span><span class=\"S76D SA7 S2\" id=\"t1e_20\">The Group enters into cross-currency interest rate swap (CCIRS) transactions which have special attributes, i.e. </span><span class=\"S76E SA7 S2\" id=\"t1f_20\">the parties exchange the notional amount at the beginning and also at the maturity of the transaction. A special </span><span class=\"S76F SA7 S2\" id=\"t1g_20\">type of these deals is the mark-to-market CCIRS agreements. For these kind of transactions the parties </span><span class=\"S770 S5B9 S2\" id=\"t1h_20\">\u2013 </span><span class=\"S771 SA7 S2\" id=\"t1i_20\">in </span><span class=\"S772 SA7 S2\" id=\"t1j_20\">accordance with the foreign exchange prices </span><span class=\"S773 S5B9 S2\" id=\"t1k_20\">\u2013 </span><span class=\"S774 SA7 S2\" id=\"t1l_20\">revalue the notional amount during lifetime of the transaction. </span><span class=\"S585 SB S2\" id=\"t5_21\">2.6. </span><span class=\"S775 SB S2\" id=\"t6_21\">Financial assets at fair value through profit or loss [continued] </span><span class=\"S776 SB S2\" id=\"t7_21\">2.6.3   Derivative financial instruments [continued] </span><span class=\"S777 SC S2\" id=\"t8_21\">Equity and commodity swaps </span><span class=\"S778 SA7 S2\" id=\"t9_21\">Equity swaps obligate two parties to exchange more payments calculated with reference to periodically reset rates </span><span class=\"S779 SA7 S2\" id=\"ta_21\">of interest and performance of indices. A specific notional principal amount is the base of the interest calculation. </span><span class=\"S77A SA7 S2\" id=\"tb_21\">The payment of index return is calculated on the basis of current market price compared to the previous market </span><span class=\"S77B SA7 S2\" id=\"tc_21\">price. In case of commodity swaps payments are calculated on the basis of the strike price of a predefined </span><span class=\"S77C SA7 S2\" id=\"td_21\">commodity compared to its average market price in a period. </span><span class=\"S77D SC S2\" id=\"te_21\">Forward rate agreements (FRA) </span><span class=\"S77E SA7 S2\" id=\"tf_21\">A forward rate agreement is an agreement to settle amounts at a specified future date based on the difference </span><span class=\"S77F SA7 S2\" id=\"tg_21\">between an interest rate index and an agreed upon fixed rate. Market risk arises from changes in the market value </span><span class=\"S780 SA7 S2\" id=\"th_21\">of contractual positions caused by movements in interest rates. </span><span class=\"S781 SA7 S2\" id=\"ti_21\">The Group limits its exposure to market risk by entering into generally matching or offsetting positions and by </span><span class=\"S782 SA7 S2\" id=\"tj_21\">establishing and monitoring limits on unmatched positions. Credit risk is managed through approval procedures </span><span class=\"S783 S5B9 S2\" id=\"tk_21\">that establish specific limits for individual counterparties. The Group\u2019s forward rate agreements were transacted </span><span class=\"S784 SA7 S2\" id=\"tl_21\">for management of interest rate exposures and have been accounted for at mark-to-market fair value. </span><span class=\"S785 SC S2\" id=\"tm_21\">Foreign exchange options </span><span class=\"S786 SA7 S2\" id=\"tn_21\">A foreign exchange option is a derivative financial instrument that gives the owner the right to exchange money </span><span class=\"S787 SA7 S2\" id=\"to_21\">denominated in one currency into another currency at a pre-agreed exchange rate at a specified future date. The </span><span class=\"S788 SA7 S2\" id=\"tp_21\">transaction, for a fee, guarantees a worst-case exchange rate for the futures purchase of one currency for another. </span><span class=\"S789 SA7 S2\" id=\"tq_21\">These options protect against unfavourable currency movements while preserving the ability to participate in </span><span class=\"S78A SA7 S2\" id=\"tr_21\">favourable movements. </span><span class=\"S78B SB S2\" id=\"ts_21\">2.7. </span><span class=\"S78C SB S2\" id=\"tt_21\">Hedge accounting </span><span class=\"S78D SB S2\" id=\"tu_21\">Derivative financial instruments designated as a fair-value hedge </span><span class=\"S78E SA7 S2\" id=\"tv_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instruments in fair value hedges </span><span class=\"S78F SA7 S2\" id=\"tw_21\">and that prove to be highly effective in relation to the hedged risk, are recorded in the Consolidated Statement of </span><span class=\"S790 SA7 S2\" id=\"tx_21\">Profit or Loss along with the corresponding change in fair value of the hedged asset or liability that is attributable </span><span class=\"S791 SA7 S2\" id=\"ty_21\">to the specific hedged risk. Changes in the fair value of hedging instrument in fair value hedges is charged directly </span><span class=\"S792 SA7 S2\" id=\"tz_21\">to the Consolidated Statement of Profit or Loss. </span><span class=\"S793 SA7 S2\" id=\"t10_21\">The conditions of hedge accounting applied by the Bank are the following: formally designated as hedge </span><span class=\"S794 SA7 S2\" id=\"t11_21\">relationship, proper hedge documentation is prepared, effectiveness test is performed and based on it the hedge is </span><span class=\"S795 SA7 S2\" id=\"t12_21\">qualified as effective. In the case of a financial instrument measured at amortised cost the Group recognises the </span><span class=\"S796 SA7 S2\" id=\"t13_21\">hedging gain or loss on the hedged item as the modification of its carrying amount and it is recognised in profit or </span><span class=\"S797 SA7 S2\" id=\"t14_21\">loss. These adjustments of the carrying amount are amortised to the profit or loss using the effective interest rate </span><span class=\"S798 SA7 S2\" id=\"t15_21\">method. The Group starts the amortisation when the hedged item is no longer adjusted by the hedging gains or </span><span class=\"S799 SA7 S2\" id=\"t16_21\">losses. If the hedged item is derecognised, the Group recognises the unamortised fair value in profit or loss </span><span class=\"S79A SA7 S2\" id=\"t17_21\">immediately. For fair value hedges inefficiencies and the net revaluation of hedged and hedging item are </span><span class=\"S79B SA7 S2\" id=\"t18_21\">recognized in the Net results on derivative instruments and hedge relationships. </span><span class=\"S79C SA7 S2\" id=\"t19_21\">The Group implemented hedge accounting rules prescribed by IFRS 9 in 2018. For further details please see Note </span><span class=\"S79D SA7 S2\" id=\"t1a_21\">48.3. </span><span class=\"S79E SB S2\" id=\"t1b_21\">Derivative financial instruments designated as cash-flow hedge </span><span class=\"S79F SA7 S2\" id=\"t1c_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instrument in cash-flow hedges </span><span class=\"S7A0 SA7 S2\" id=\"t1d_21\">and that prove to be highly effective in relation to the hedged risk are recognized in their effective portion as </span><span class=\"S7A1 SA7 S2\" id=\"t1e_21\">reserve in Other Comprehensive Income. The ineffective element of the changes in fair value of hedging </span><span class=\"S7A2 SA7 S2\" id=\"t1f_21\">instrument is charged directly to the Consolidated Statement of Profit or Loss. </span><span class=\"S585 SB S2\" id=\"t5_22\">2.7. </span><span class=\"S7A4 SB S2\" id=\"t6_22\">Hedge accounting [continued] </span><span class=\"S7A5 SB S2\" id=\"t7_22\">Derivative financial instruments designated as cash-flow hedge [continued] </span><span class=\"S7A6 SA7 S2\" id=\"t8_22\">The Group terminates the hedge relationship if the hedging instrument expires or is sold, terminated or exercised, </span><span class=\"S7A7 SA7 S2\" id=\"t9_22\">or the hedge no longer meets the criteria for hedge accounting. In the case of cash-flow hedges </span><span class=\"S7A8 S5B9 S2\" id=\"ta_22\">\u2013 </span><span class=\"S7A9 SA7 S2\" id=\"tb_22\">in line with the </span><span class=\"S7AA SA7 S2\" id=\"tc_22\">standard - hedge accounting is still applied by the Group as long as the underlying asset is derecognized or </span><span class=\"S7AB SA7 S2\" id=\"td_22\">terminated. When the Group discontinues hedge accounting to a cash-flow hedge the amount in the cash flow </span><span class=\"S7AC SA7 S2\" id=\"te_22\">hedge reserve is reclassified to the profit or loss if the hedged future cash flows are no longer expected to occur. </span><span class=\"S7AD SA7 S2\" id=\"tf_22\">If the hedged future cash flows are still expected to occur, the amount remains in the cashflow hedge reserve and </span><span class=\"S7AE SA7 S2\" id=\"tg_22\">reclassified to the profit and loss only when the future cash flows occur. </span><span class=\"S71F SB S2\" id=\"th_22\">Net investment hedge in foreign operations </span><span class=\"S7AF SA7 S2\" id=\"ti_22\">Hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as </span><span class=\"S7B0 SA7 S2\" id=\"tj_22\">part of the net investment, shall be accounted for similarly to cash flow hedges. </span><span class=\"S7B1 SA7 S2\" id=\"tk_22\">On the disposal of a foreign operation, the cumulative value of any gains and losses recognized in Other </span><span class=\"S7B2 SA7 S2\" id=\"tl_22\">Comprehensive Income is transferred to the Consolidated Statement of Profit or Loss. The Group has terminated </span><span class=\"S7B3 SA7 S2\" id=\"tm_22\">these transactions since 2020. </span><span class=\"S3C29 SB S2\" id=\"t5_175\">48.2.  Fair value of derivative instruments </span><span class=\"S3C2A SA7 S2\" id=\"t6_175\">The Group regularly enters into hedging transactions in order to decrease its financial risks. However some </span><span class=\"S3C2B SA7 S2\" id=\"t7_175\">economically hedging transaction do not meet the criteria to qualify as hedge accounting, therefore these </span><span class=\"S3C2C SA7 S2\" id=\"t8_175\">transactions were accounted for as derivatives held for trading. </span><span class=\"S3C2D SA7 S2\" id=\"t9_175\">The assessment of the hedge effectiveness (both for fair value hedges and cash flow hedges) to determine the </span><span class=\"S3C2E SA7 S2\" id=\"ta_175\">economic relationship between the hedged item and the hedging instrument is accomplished with prospective </span><span class=\"S3C2F SA7 S2\" id=\"tb_175\">scenario analysis via different rate shift scenarios of the relevant risk factor(s) of the hedged risk component(s). </span><span class=\"S3C30 SA7 S2\" id=\"tc_175\">The fair value change of the hedged item and the hedging instrument is compared in the different scenarios. </span><span class=\"S3C31 SA7 S2\" id=\"td_175\">Economic relationship is justified if the change of the fair value of the hedged item and the hedging instrument are </span><span class=\"S3358 SA7 S2\" id=\"te_175\">in the opposite direction and the absolute changes are similar amounts. The hedge ratio is determined as the ratio </span><span class=\"S3C32 SA7 S2\" id=\"tf_175\">of the notional of the hedged item and the notional of the hedging instrument. The sources of hedge ineffectiveness </span><span class=\"S3C33 SA7 S2\" id=\"tg_175\">are the not hedged risk components (e.g. change of cross currency basis spreads in case of interest rate risk hedges), </span><span class=\"S3C34 SA7 S2\" id=\"th_175\">slight differences in maturity dates and interest payment dates in case of fair value hedges, and differences between </span><span class=\"S3C35 SA7 S2\" id=\"ti_175\">the carrying amount of the hedged item and the carrying amount of the hedging instrument in case of FX hedges </span><span class=\"S976 SA7 S2\" id=\"tj_175\">(e.g. caused by interest rate risk components in the fair value of the hedging instrument). </span><span class=\"S3C36 SA7 S2\" id=\"tk_175\">The summary of the derivatives held for trading and derivatives designated as hedge accounting of the Group are </span><span class=\"S3C37 SA7 S2\" id=\"tl_175\">as follows: </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f2942": {
   "value": "<span class=\"S78B SB S2\" id=\"ts_21\">2.7. </span><span class=\"S78C SB S2\" id=\"tt_21\">Hedge accounting </span><span class=\"S78D SB S2\" id=\"tu_21\">Derivative financial instruments designated as a fair-value hedge </span><span class=\"S78E SA7 S2\" id=\"tv_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instruments in fair value hedges </span><span class=\"S78F SA7 S2\" id=\"tw_21\">and that prove to be highly effective in relation to the hedged risk, are recorded in the Consolidated Statement of </span><span class=\"S790 SA7 S2\" id=\"tx_21\">Profit or Loss along with the corresponding change in fair value of the hedged asset or liability that is attributable </span><span class=\"S791 SA7 S2\" id=\"ty_21\">to the specific hedged risk. Changes in the fair value of hedging instrument in fair value hedges is charged directly </span><span class=\"S792 SA7 S2\" id=\"tz_21\">to the Consolidated Statement of Profit or Loss. </span><span class=\"S793 SA7 S2\" id=\"t10_21\">The conditions of hedge accounting applied by the Bank are the following: formally designated as hedge </span><span class=\"S794 SA7 S2\" id=\"t11_21\">relationship, proper hedge documentation is prepared, effectiveness test is performed and based on it the hedge is </span><span class=\"S795 SA7 S2\" id=\"t12_21\">qualified as effective. In the case of a financial instrument measured at amortised cost the Group recognises the </span><span class=\"S796 SA7 S2\" id=\"t13_21\">hedging gain or loss on the hedged item as the modification of its carrying amount and it is recognised in profit or </span><span class=\"S797 SA7 S2\" id=\"t14_21\">loss. These adjustments of the carrying amount are amortised to the profit or loss using the effective interest rate </span><span class=\"S798 SA7 S2\" id=\"t15_21\">method. The Group starts the amortisation when the hedged item is no longer adjusted by the hedging gains or </span><span class=\"S799 SA7 S2\" id=\"t16_21\">losses. If the hedged item is derecognised, the Group recognises the unamortised fair value in profit or loss </span><span class=\"S79A SA7 S2\" id=\"t17_21\">immediately. For fair value hedges inefficiencies and the net revaluation of hedged and hedging item are </span><span class=\"S79B SA7 S2\" id=\"t18_21\">recognized in the Net results on derivative instruments and hedge relationships. </span><span class=\"S79C SA7 S2\" id=\"t19_21\">The Group implemented hedge accounting rules prescribed by IFRS 9 in 2018. For further details please see Note </span><span class=\"S79D SA7 S2\" id=\"t1a_21\">48.3. </span><span class=\"S79E SB S2\" id=\"t1b_21\">Derivative financial instruments designated as cash-flow hedge </span><span class=\"S79F SA7 S2\" id=\"t1c_21\">Changes in the fair value of derivatives that are designated and qualify as hedging instrument in cash-flow hedges </span><span class=\"S7A0 SA7 S2\" id=\"t1d_21\">and that prove to be highly effective in relation to the hedged risk are recognized in their effective portion as </span><span class=\"S7A1 SA7 S2\" id=\"t1e_21\">reserve in Other Comprehensive Income. The ineffective element of the changes in fair value of hedging </span><span class=\"S7A2 SA7 S2\" id=\"t1f_21\">instrument is charged directly to the Consolidated Statement of Profit or Loss. </span><span class=\"S585 SB S2\" id=\"t5_22\">2.7. </span><span class=\"S7A4 SB S2\" id=\"t6_22\">Hedge accounting [continued] </span><span class=\"S7A5 SB S2\" id=\"t7_22\">Derivative financial instruments designated as cash-flow hedge [continued] </span><span class=\"S7A6 SA7 S2\" id=\"t8_22\">The Group terminates the hedge relationship if the hedging instrument expires or is sold, terminated or exercised, </span><span class=\"S7A7 SA7 S2\" id=\"t9_22\">or the hedge no longer meets the criteria for hedge accounting. In the case of cash-flow hedges </span><span class=\"S7A8 S5B9 S2\" id=\"ta_22\">\u2013 </span><span class=\"S7A9 SA7 S2\" id=\"tb_22\">in line with the </span><span class=\"S7AA SA7 S2\" id=\"tc_22\">standard - hedge accounting is still applied by the Group as long as the underlying asset is derecognized or </span><span class=\"S7AB SA7 S2\" id=\"td_22\">terminated. When the Group discontinues hedge accounting to a cash-flow hedge the amount in the cash flow </span><span class=\"S7AC SA7 S2\" id=\"te_22\">hedge reserve is reclassified to the profit or loss if the hedged future cash flows are no longer expected to occur. </span><span class=\"S7AD SA7 S2\" id=\"tf_22\">If the hedged future cash flows are still expected to occur, the amount remains in the cashflow hedge reserve and </span><span class=\"S7AE SA7 S2\" id=\"tg_22\">reclassified to the profit and loss only when the future cash flows occur. </span><span class=\"S71F SB S2\" id=\"th_22\">Net investment hedge in foreign operations </span><span class=\"S7AF SA7 S2\" id=\"ti_22\">Hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as </span><span class=\"S7B0 SA7 S2\" id=\"tj_22\">part of the net investment, shall be accounted for similarly to cash flow hedges. </span><span class=\"S7B1 SA7 S2\" id=\"tk_22\">On the disposal of a foreign operation, the cumulative value of any gains and losses recognized in Other </span><span class=\"S7B2 SA7 S2\" id=\"tl_22\">Comprehensive Income is transferred to the Consolidated Statement of Profit or Loss. The Group has terminated </span><span class=\"S7B3 SA7 S2\" id=\"tm_22\">these transactions since 2020. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3000": {
   "value": "<span class=\"S7B4 SB S2\" id=\"tn_22\">2.8. </span><span class=\"S7B5 SB S2\" id=\"to_22\">Offsetting </span><span class=\"S7B6 SA7 S2\" id=\"tp_22\">Financial assets and liabilities are offset and the net amount is reported in the Consolidated Statement of Financial </span><span class=\"S7B7 SA7 S2\" id=\"tq_22\">Position when the Group has a legally enforceable right to set off the recognized amounts and the transactions are </span><span class=\"S7B8 SA7 S2\" id=\"tr_22\">intended to be reported in the Consolidated Statement of Financial Position on a net basis. In case of the derivative </span><span class=\"S7B9 SA7 S2\" id=\"ts_22\">financial instruments the Group applies offsetting and net presentation in the Consolidated Statement of Financial </span><span class=\"S7BA SA7 S2\" id=\"tt_22\">Position when the Group has the right and the ability to settle these assets and liabilities on a net basis. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3034": {
   "value": "<span class=\"S7D3 SB S2\" id=\"t1i_22\">2.10. </span><span class=\"S7D4 SB S2\" id=\"t1j_22\">Securities at fair value through other comprehensive income </span><span class=\"S7D5 SA7 S2\" id=\"t1k_22\">Securities at fair value through other comprehensive income are held within a business model whose objective is </span><span class=\"S7D6 SA7 S2\" id=\"t1l_22\">achieved by both collecting of contractual cash flows and selling securities. Furthermore, the contractual terms of </span><span class=\"S7D7 SA7 S2\" id=\"t1m_22\">these securities give rise on specified dates to cash flows that are solely payment of principal and interest on the </span><span class=\"S7D8 SA7 S2\" id=\"t1n_22\">principal amount outstanding. </span><span class=\"S7D9 SB S2\" id=\"t5_23\">2.10. </span><span class=\"S7DA SB S2\" id=\"t6_23\">Securities at fair value through other comprehensive income [continued] </span><span class=\"S7DB SB S2\" id=\"t7_23\">Debt instruments </span><span class=\"S7DC SA7 S2\" id=\"t8_23\">Investments in debt securities are accounted for on a trade date basis and are initially measured at fair value. </span><span class=\"S7DD SA7 S2\" id=\"t9_23\">Securities at fair value through other comprehensive income are measured at subsequent reporting dates at fair </span><span class=\"S7DE SA7 S2\" id=\"ta_23\">value. Unrealized gains and losses on securities at fair value through other comprehensive income are recognized </span><span class=\"S7DF SA7 S2\" id=\"tb_23\">directly in Other Comprehensive Income, except for interest and foreign exchange gains/losses on monetary items, </span><span class=\"S7E0 SA7 S2\" id=\"tc_23\">unless such financial asset at fair value through other comprehensive income is part of an effective hedge. Such </span><span class=\"S7E1 SA7 S2\" id=\"td_23\">gains and losses are reported when realized in Consolidated Statement of Profit or Loss for the applicable period. </span><span class=\"S7E2 SA7 S2\" id=\"te_23\">For debt securities at fair value through other comprehensive income the loss allowance is calculated based on </span><span class=\"S7E3 SA7 S2\" id=\"tf_23\">expected credit loss model. The expected credit loss is accounted for against Other Comprehensive Income. </span><span class=\"S7E4 SA7 S2\" id=\"tg_23\">Securities at fair value through other comprehensive income are remeasured at fair value based on quoted prices </span><span class=\"S7E5 SA7 S2\" id=\"th_23\">or amounts derived from cash-flow models. In circumstances where the quoted market prices are not readily </span><span class=\"S7E6 SA7 S2\" id=\"ti_23\">available, the fair value of debt securities is estimated using the present value of future cash-flows and the fair </span><span class=\"S7E7 SA7 S2\" id=\"tj_23\">value of any unquoted equity instruments are calculated using the EPS ratio. </span><span class=\"S7E8 SA7 S2\" id=\"tk_23\">Such securities consist of Hungarian and foreign government bonds, corporate bonds, mortgage bonds, interest- </span><span class=\"S7E9 SA7 S2\" id=\"tl_23\">bearing Treasury bills, securities issued by the NBH and other securities. </span><span class=\"S7EA SB S2\" id=\"tm_23\">Fair value through other comprehensive income option for equity instruments </span><span class=\"S7EB SA7 S2\" id=\"tn_23\">The Group has elected to present in the Statement of Other Comprehensive Income changes of fair value of those </span><span class=\"S7EC SA7 S2\" id=\"to_23\">equity instruments which are neither held for trading nor recognized as contingent consideration under IFRS 3. </span><span class=\"S7ED SA7 S2\" id=\"tp_23\">In some cases, the Group made an irrevocable election at initial recognition for certain equity instruments to </span><span class=\"S7EE SA7 S2\" id=\"tq_23\">present subsequent changes in fair value of these securities in the consolidated other comprehensive income instead </span><span class=\"S7EF SA7 S2\" id=\"tr_23\">of in profit or loss. </span><span class=\"S7F0 SA7 S2\" id=\"ts_23\">The use of the fair value option is based only on direct decision of management of the Group. </span><span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span><span class=\"S85B SB S2\" id=\"t13_25\">2.13. </span><span class=\"S85C SB S2\" id=\"t14_25\">Purchased or originated credit impaired financial assets </span><span class=\"S85D SA7 S2\" id=\"t15_25\">Purchased or originated financial assets are credit-impaired on initial recognition. A financial asset is credit- </span><span class=\"S85E SA7 S2\" id=\"t16_25\">impaired when one or more events that have a detrimental impact on the estimated future cash flows of that </span><span class=\"S85F SA7 S2\" id=\"t17_25\">financial asset have occurred. </span><span class=\"S860 SA7 S2\" id=\"t18_25\">A purchased credit-impaired asset is likely to be acquired at a deep discount. In unusual circumstances, it may be </span><span class=\"S861 SA7 S2\" id=\"t19_25\">possible that an entity originates a credit-impaired asset, for example, following a substantial modification of a </span><span class=\"S862 SA7 S2\" id=\"t1a_25\">distressed financial asset that resulted in the derecogniton of the original financial asset. </span><span class=\"S863 SA7 S2\" id=\"t1b_25\">In the case of POCI financial assets, interest income is always recognized by applying the credit-adjusted effective </span><span class=\"S864 SA7 S2\" id=\"t1c_25\">interest rate. </span><span class=\"S7FC SA7 S2\" id=\"t1d_25\">For POCI financial assets, in subsequent reporting periods an entity is required to recognize: </span><span class=\"S865 SA7 S2\" id=\"t1e_25\">- </span><span class=\"S866 SA7 S2\" id=\"t1f_25\">the cumulative changes in lifetime expected credit losses since initial recognition as a loss allowance, </span><span class=\"S867 SA7 S2\" id=\"t1g_25\">- </span><span class=\"S868 SA7 S2\" id=\"t1h_25\">the impairment gain or loss which is the amount of any change in lifetime expected credit losses. </span><span class=\"S869 SA7 S2\" id=\"t1i_25\">An impairment gain is recognized (with the parallel increase of the net amortized cost of receivable) if due </span><span class=\"S86A SA7 S2\" id=\"t1j_25\">to the favourable changes after initial recognition the lifetime expected credit loss estimation is becoming </span><span class=\"S86B SA7 S2\" id=\"t1k_25\">lower than the original estimated credit losses at initial recognition. </span><span class=\"S86C S5B9 S2\" id=\"t1l_25\">The POCI qualification remains from initial recognition to derecognition in the Group\u2019s books. </span><span class=\"S86D SB S2\" id=\"t5_26\">2.14. Loss allowance </span><span class=\"S86E SA7 S2\" id=\"t6_26\">A loss allowance for loans and placements with other banks and repo receivables is recognized by the Group based </span><span class=\"S86F SA7 S2\" id=\"t7_26\">on the expected credit loss model in accordance with IFRS 9. Based on the three-stage model the recognized loss </span><span class=\"S870 SA7 S2\" id=\"t8_26\">allowance equals to 12-month expected credit loss from the initial recognition. On financial assets with </span><span class=\"S871 SA7 S2\" id=\"t9_26\">significantly increased credit risk or credit impaired financial assets (based on objective evidence) the recognized </span><span class=\"S872 SA7 S2\" id=\"ta_26\">loss allowance is the lifetime expected credit loss. </span><span class=\"S873 SA7 S2\" id=\"tb_26\">In the case of purchased or originated credit impaired financial assets, a loss allowance is recognized in the amount </span><span class=\"S874 SA7 S2\" id=\"tc_26\">of the lifetime expected credit loss since initial recognition. The impairment gain in the Consolidated Statement </span><span class=\"S875 SA7 S2\" id=\"td_26\">of Profit or Loss is recognized if lifetime expected credit loss for purchased or originated credit impaired financial </span><span class=\"S5C4 SA7 S2\" id=\"te_26\">assets at measurement date is less than the estimated credit loss at initial recognition. </span><span class=\"S876 S5B9 S2\" id=\"tf_26\">A loss allowance for loans and placements with other banks and repo receivables represents Management\u2019s </span><span class=\"S877 SA7 S2\" id=\"tg_26\">assessment for potential losses in relation to these activities. </span><span class=\"S878 SA7 S2\" id=\"th_26\">Loss allowance for loan and placements are determined at a level that provides coverage for individually identified </span><span class=\"S879 SA7 S2\" id=\"ti_26\">credit losses. For loans for which it is not possible to determine the amount of the individually identified credit </span><span class=\"S87A SA7 S2\" id=\"tj_26\">loss in the absence of objective evidence, a collective impairment loss is recognized. With this, the Group reduces </span><span class=\"S87B SA7 S2\" id=\"tk_26\">the carrying amount of financial asset portfolios with similar credit risk characteristics to the amount expected to </span><span class=\"S87C SA7 S2\" id=\"tl_26\">be recovered based on historical loss experience. </span><span class=\"S87D SA7 S2\" id=\"tm_26\">At subsequent measurement the Group rec</span><span class=\"S87E S5B9 S2\" id=\"tn_26\">ognizes an impairment gain or loss through \u201cImpairment gain on POCI </span><span class=\"S87F S5B9 S2\" id=\"to_26\">loans\u201d in the Consolidated Statement of Profit or Loss as part of \u201cRisk cost\u201d line as an amount of expected credit </span><span class=\"S880 SA7 S2\" id=\"tp_26\">losses or reversal which is required to adjust the loss allowance at the reporting date to the amount that is required </span><span class=\"S881 SA7 S2\" id=\"tq_26\">to be recognized in accordance with IFRS 9. If the reason for the impairment no longer exist the impairment is </span><span class=\"S882 SA7 S2\" id=\"tr_26\">released in the Consolidated Statement of Profit or Loss for the current period. </span><span class=\"S883 SA7 S2\" id=\"ts_26\">If a financial asset, for which previously there were no indicators of significant increase in credit risk (i.e. classified </span><span class=\"S884 SA7 S2\" id=\"tt_26\">in Stage 1) is subsequently classified in Stage 2 or Stage 3 then loss allowance is adjusted to lifetime expected </span><span class=\"S885 SA7 S2\" id=\"tu_26\">credit loss. If a financial asset, which was previously classified in Stage 2 or Stage 3 is subsequently classified in </span><span class=\"S827 SA7 S2\" id=\"tv_26\">Stage 1 then the loss allowance is adjusted to the level of 12 month expected credit loss. </span><span class=\"S886 SB S2\" id=\"tw_26\">Classification into risk classes </span><span class=\"S887 SA7 S2\" id=\"tx_26\">According to the requirements of the IFRS9 the Group classifies the financial assets measured at amortized cost, </span><span class=\"S888 SA7 S2\" id=\"ty_26\">at fair value through other comprehensive income and loan commitments and financial guarantees into the </span><span class=\"S762 SA7 S2\" id=\"tz_26\">following stages: </span><span class=\"S889 S602 S2\" id=\"t10_26\">\u2022 </span><span class=\"S88A SA7 S2\" id=\"t11_26\">Stage 1 </span><span class=\"S88B S5B9 S2\" id=\"t12_26\">\u2013 </span><span class=\"S88C SA7 S2\" id=\"t13_26\">performing financial instruments without significant increase in credit risk since initial </span><span class=\"S88D SA7 S2\" id=\"t14_26\">recognition </span><span class=\"S88E S602 S2\" id=\"t15_26\">\u2022 </span><span class=\"S88F SA7 S2\" id=\"t16_26\">Stage 2 </span><span class=\"S890 S5B9 S2\" id=\"t17_26\">\u2013 </span><span class=\"S891 SA7 S2\" id=\"t18_26\">performing financial instruments with significant increase in credit risk since initial recognition </span><span class=\"S892 SA7 S2\" id=\"t19_26\">but not credit-impaired </span><span class=\"S893 S602 S2\" id=\"t1a_26\">\u2022 </span><span class=\"S894 SA7 S2\" id=\"t1b_26\">Stage 3 </span><span class=\"S895 S5B9 S2\" id=\"t1c_26\">\u2013 </span><span class=\"S896 SA7 S2\" id=\"t1d_26\">non-performing, credit-impaired financial instruments </span><span class=\"S897 S602 S2\" id=\"t1e_26\">\u2022 </span><span class=\"S898 SA7 S2\" id=\"t1f_26\">POCI </span><span class=\"S899 S5B9 S2\" id=\"t1g_26\">\u2013 </span><span class=\"S89A SA7 S2\" id=\"t1h_26\">purchased or originated credit impaired </span><span class=\"S89B SA7 S2\" id=\"t1i_26\">In the case of trade receivables the Group applies the simplified approach and calculates only lifetime expected </span><span class=\"S89C SA7 S2\" id=\"t1j_26\">credit loss. The simplified approach is the following: </span><span class=\"S89D S6E3 S2\" id=\"t1k_26\">- </span><span class=\"S89E SA7 S2\" id=\"t1l_26\">for the past 3 years the average annual balance of receivables under simplified approach is calculated, </span><span class=\"S89F S6E3 S2\" id=\"t1m_26\">- </span><span class=\"S8A0 SA7 S2\" id=\"t1n_26\">the written-off receivables under simplified approach are determined in the past 3 years, </span><span class=\"S8A1 S6E3 S2\" id=\"t1o_26\">- </span><span class=\"S8A2 SA7 S2\" id=\"t1p_26\">historical losses are adjusted to reflect information about current conditions and reasonable forecasts of </span><span class=\"S8A3 SA7 S2\" id=\"t1q_26\">future economic conditions, </span><span class=\"S8A4 S6E3 S2\" id=\"t1r_26\">- </span><span class=\"S8A5 SA7 S2\" id=\"t1s_26\">the loss allowance ratio is the sum of the written-off amounts divided by the sum of the average balances, </span><span class=\"S8A6 S6E3 S2\" id=\"t1t_26\">- </span><span class=\"S8A7 SA7 S2\" id=\"t1u_26\">the loss allowance is multiplied by the end-of-year balance, it is the actual loss allowance on these </span><span class=\"S8A8 SA7 S2\" id=\"t1v_26\">receivables, </span><span class=\"S8A9 S6E3 S2\" id=\"t1w_26\">- </span><span class=\"S8AA SA7 S2\" id=\"t1x_26\">loss allowance should be recalculated annually. </span><span class=\"S8AB SB S2\" id=\"t5_27\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_27\">Classification into risk classes [continued] </span><span class=\"S8AD SA7 S2\" id=\"t7_27\">The Group assumes that the credit risk on a financial instrument has not increased significantly since initial </span><span class=\"S8AE SA7 S2\" id=\"t8_27\">recognition if the financial asset is determined to have low credit risk at the reporting date. This might occur if the </span><span class=\"S8AF SA7 S2\" id=\"t9_27\">financial asset has a low risk of default, the borrower has a strong capacity to meet its contractual cash flow </span><span class=\"S8B0 SA7 S2\" id=\"ta_27\">obligations in the near term and adverse changes in economic and business conditions in the longer term may, but </span><span class=\"S8B1 SA7 S2\" id=\"tb_27\">will not necessarily, reduce the ability of the borrower to fulfil its contractual cash flow obligations. The Group </span><span class=\"S8B2 SA7 S2\" id=\"tc_27\">considers sovereign exposures as having low credit risk. </span><span class=\"S8B3 SA7 S2\" id=\"td_27\">Stage 1: financial instruments for which the events and conditions specified in respect of Stage 2 and Stage 3 do </span><span class=\"S8B4 SA7 S2\" id=\"te_27\">not exist on the reporting date. </span><span class=\"S8B5 SA7 S2\" id=\"tf_27\">A client or loan must be qualified as default if one or both the following two conditions occur: </span><span class=\"S8B6 S602 S2\" id=\"tg_27\">\u2022 </span><span class=\"S8B7 SA7 S2\" id=\"th_27\">The client delays more than 90 days. This is considered a hard trigger. </span><span class=\"S8B8 S602 S2\" id=\"ti_27\">\u2022 </span><span class=\"S8B9 SA7 S2\" id=\"tj_27\">There is reasonable probability that the client will not pay all of its obligation. This condition is examined </span><span class=\"S8BA SA7 S2\" id=\"tk_27\">on the basis of probability criteria of default. </span><span class=\"S8BB SA7 S2\" id=\"tl_27\">The subject of default qualification is that exposure (on-balance and off-balance) which originates credit risk (so </span><span class=\"S8BC SA7 S2\" id=\"tm_27\">originated from loan commitments, risk-taking contracts). </span><span class=\"S8BD SA7 S2\" id=\"tn_27\">A financial instrument shows significant increase in credit risk, and is allocated to Stage 2, if in respect of which </span><span class=\"S8BE SA7 S2\" id=\"to_27\">any of the following triggers exist on the reporting date, without fulfilling any of the conditions for the allocation </span><span class=\"S8BF SA7 S2\" id=\"tp_27\">to the non-performing stage (stage 3): </span><span class=\"S8C0 S602 S2\" id=\"tq_27\">\u2022 </span><span class=\"S8C1 SA7 S2\" id=\"tr_27\">the payment delay exceeds 30 days, </span><span class=\"S8C2 S602 S2\" id=\"ts_27\">\u2022 </span><span class=\"S8C3 SA7 S2\" id=\"tt_27\">it is classified as performing forborne, </span><span class=\"S8C4 S602 S2\" id=\"tu_27\">\u2022 </span><span class=\"S8C5 SA7 S2\" id=\"tv_27\">based on individual decision, its currency suffered a significant \"shock\" since the disbursement of the loan, </span><span class=\"S8C6 S602 S2\" id=\"tw_27\">\u2022 </span><span class=\"S8C7 SA7 S2\" id=\"tx_27\">the transaction/client rating exceeds a predefined value or falls into a determined range, or compared to the </span><span class=\"S8C8 SA7 S2\" id=\"ty_27\">historic value it deteriorates to a predefined degree, </span><span class=\"S8C9 S602 S2\" id=\"tz_27\">\u2022 </span><span class=\"S8CA SA7 S2\" id=\"t10_27\">in the case retail mortgage loans, the loan-to-value ratio exceeds a predefined rate, </span><span class=\"S8CB S602 S2\" id=\"t11_27\">\u2022 </span><span class=\"S8CC SA7 S2\" id=\"t12_27\">default on another loan of the retail client, if no cross-default exists, </span><span class=\"S8CD S602 S2\" id=\"t13_27\">\u2022 </span><span class=\"S8CE SA7 S2\" id=\"t14_27\">monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8CF S6E3 S2\" id=\"t15_27\">- </span><span class=\"S8D0 SA7 S2\" id=\"t16_27\">financial difficulties at the debtor (capital adequacy, liquidity, deterioration of the instrument quality), </span><span class=\"S8D1 S6E3 S2\" id=\"t17_27\">- </span><span class=\"S8D2 SA7 S2\" id=\"t18_27\">significant decrease of the liquidity or the activity on the active market of the financial instrument can </span><span class=\"S8D3 SA7 S2\" id=\"t19_27\">be observed, </span><span class=\"S8D4 S6E3 S2\" id=\"t1a_27\">- </span><span class=\"S8D5 SA7 S2\" id=\"t1b_27\">the rating of the client reflects high risk, but it is better than the default one, </span><span class=\"S8D6 S6E3 S2\" id=\"t1c_27\">- </span><span class=\"S8D7 SA7 S2\" id=\"t1d_27\">significantly decrease in the value of the recovery from which the debtor would disburse the loan, </span><span class=\"S8D8 S6E3 S2\" id=\"t1e_27\">- </span><span class=\"S8D9 SA7 S2\" id=\"t1f_27\">clients under liquidation. </span><span class=\"S8DA SA7 S2\" id=\"t1g_27\">A financial instrument is non-performing and it is allocated to Stage 3 when any of the following events or </span><span class=\"S8DB SA7 S2\" id=\"t1h_27\">conditions exists on the reporting date: </span><span class=\"S8DC S602 S2\" id=\"t1i_27\">\u2022 </span><span class=\"S8DD SA7 S2\" id=\"t1j_27\">default (based on the group level default definition), </span><span class=\"S8DE S602 S2\" id=\"t1k_27\">\u2022 </span><span class=\"S8DF SA7 S2\" id=\"t1l_27\">classified as non-performing forborne (based on the group level forborne definition), </span><span class=\"S8E0 S602 S2\" id=\"t1m_27\">\u2022 </span><span class=\"S8E1 SA7 S2\" id=\"t1n_27\">the monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8E2 SA7 S2\" id=\"t1o_27\">level (including but not limited to): </span><span class=\"S8E3 S6E3 S2\" id=\"t1p_27\">- </span><span class=\"S8E4 SA7 S2\" id=\"t1q_27\">breaching of contracts, </span><span class=\"S8E5 S6E3 S2\" id=\"t1r_27\">- </span><span class=\"S8E6 SA7 S2\" id=\"t1s_27\">significant financial difficulties of the debtor (like capital adequacy, liquidity, deterioration of the </span><span class=\"S8E7 SA7 S2\" id=\"t1t_27\">instrument quality), </span><span class=\"S8E8 S6E3 S2\" id=\"t1u_27\">- </span><span class=\"S8E9 SA7 S2\" id=\"t1v_27\">bankruptcy, liquidation, debt settlement processes against debtor, </span><span class=\"S8EA S6E3 S2\" id=\"t1w_27\">- </span><span class=\"S8EB SA7 S2\" id=\"t1x_27\">forced strike-off started against debtor, </span><span class=\"S8EC S6E3 S2\" id=\"t1y_27\">- </span><span class=\"S8ED SA7 S2\" id=\"t1z_27\">termination of loan contract by the Bank, </span><span class=\"S8EE S6E3 S2\" id=\"t20_27\">- </span><span class=\"S8EF SA7 S2\" id=\"t21_27\">occurrence of fraud event, </span><span class=\"S8F0 S6E3 S2\" id=\"t22_27\">- </span><span class=\"S8F1 SA7 S2\" id=\"t23_27\">termination of the active market of the financial instrument. </span><span class=\"S8AB SB S2\" id=\"t5_28\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_28\">Classification into risk classes [continued] </span><span class=\"S8F2 SA7 S2\" id=\"t7_28\">If the exposure is no longer considered as credit impaired, the Group allocates this exposure to Stage 2. </span><span class=\"S6EA SA7 S2\" id=\"t8_28\">When loss allowance is calculated at exposures categorized into stages the following process is needed by stages: </span><span class=\"S8F3 S602 S2\" id=\"t9_28\">\u2022 </span><span class=\"S8F4 SA7 S2\" id=\"ta_28\">Stage 1 (performing): loss allowance at an amount equal to 12-month expected credit loss should be </span><span class=\"S8F5 SA7 S2\" id=\"tb_28\">recognized, </span><span class=\"S8F6 S602 S2\" id=\"tc_28\">\u2022 </span><span class=\"S8F7 SA7 S2\" id=\"td_28\">Stage 2 (significant increase in credit risk): loss allowance at an amount equal to lifetime expected credit </span><span class=\"S8F8 SA7 S2\" id=\"te_28\">loss should be recognized, </span><span class=\"S8F9 S602 S2\" id=\"tf_28\">\u2022 </span><span class=\"S8FA SA7 S2\" id=\"tg_28\">Stage 3 (non-performing): loss allowance at an amount equal to lifetime expected credit loss should be </span><span class=\"S8FB SA7 S2\" id=\"th_28\">recognized. </span><span class=\"S8FC SA7 S2\" id=\"ti_28\">For lifetime expected credit losses, an entity shall estimate the risk of a default occurring on the financial </span><span class=\"S8FD SA7 S2\" id=\"tj_28\">instrument during its expected life. 12-month expected credit losses are a portion of the lifetime expected credit </span><span class=\"S8FE SA7 S2\" id=\"tk_28\">losses and represent the lifetime cash shortfalls that will result if a default occurs in the 12 months after the </span><span class=\"S8FF SA7 S2\" id=\"tl_28\">reporting date (or a shorter period if the expected life of a financial instrument is less than 12 months), weighted </span><span class=\"S900 SA7 S2\" id=\"tm_28\">by the probability of that default occurring. </span><span class=\"S901 SA7 S2\" id=\"tn_28\">An entity shall measure expected credit losses of a financial instrument in a way that reflects: </span><span class=\"S902 SA7 S2\" id=\"to_28\">- </span><span class=\"S903 SA7 S2\" id=\"tp_28\">an unbiased and probability-weighted amount that is determined by evaluating a range of possible </span><span class=\"S904 SA7 S2\" id=\"tq_28\">outcomes </span><span class=\"S905 SA7 S2\" id=\"tr_28\">- </span><span class=\"S906 SA7 S2\" id=\"ts_28\">the time value of money and </span><span class=\"S907 SA7 S2\" id=\"tt_28\">- </span><span class=\"S908 SA7 S2\" id=\"tu_28\">reasonable and supportable information that is available without undue cost or effort at the reporting date </span><span class=\"S909 SA7 S2\" id=\"tv_28\">about past events, current conditions and forecasts of future economic conditions. </span><span class=\"SAB5 SB S2\" id=\"td_37\">3.1. </span><span class=\"SAB6 SB S2\" id=\"te_37\">Loss allowances on financial instruments exposed to credit risk </span><span class=\"SAB7 SA7 S2\" id=\"tf_37\">The Group regularly assesses its financial instruments portfolio for loss allowance. Management determines the </span><span class=\"SAB8 SA7 S2\" id=\"tg_37\">adequacy of the loss allowances based upon reviews of individual loans and placements, recent loss experience, </span><span class=\"SAB9 SA7 S2\" id=\"th_37\">current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. </span><span class=\"SABA SA7 S2\" id=\"ti_37\">The use of the three-stage model was implemented for IFRS 9 purposes. The impairment methodology is used to </span><span class=\"SABB SA7 S2\" id=\"tj_37\">classify financial instruments in order to determine whether credit risk has significantly increased since initial </span><span class=\"SABC SA7 S2\" id=\"tk_37\">recognition and to identify the credit-impaired assets. For instruments with credit-impairment or significant </span><span class=\"SABD SA7 S2\" id=\"tl_37\">increase of credit risk lifetime expected losses are recognized (see more details in Note 37.1.) </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3035": {
   "value": "<span class=\"S7D3 SB S2\" id=\"t1i_22\">2.10. </span><span class=\"S7D4 SB S2\" id=\"t1j_22\">Securities at fair value through other comprehensive income </span><span class=\"S7D5 SA7 S2\" id=\"t1k_22\">Securities at fair value through other comprehensive income are held within a business model whose objective is </span><span class=\"S7D6 SA7 S2\" id=\"t1l_22\">achieved by both collecting of contractual cash flows and selling securities. Furthermore, the contractual terms of </span><span class=\"S7D7 SA7 S2\" id=\"t1m_22\">these securities give rise on specified dates to cash flows that are solely payment of principal and interest on the </span><span class=\"S7D8 SA7 S2\" id=\"t1n_22\">principal amount outstanding. </span><span class=\"S7D9 SB S2\" id=\"t5_23\">2.10. </span><span class=\"S7DA SB S2\" id=\"t6_23\">Securities at fair value through other comprehensive income [continued] </span><span class=\"S7DB SB S2\" id=\"t7_23\">Debt instruments </span><span class=\"S7DC SA7 S2\" id=\"t8_23\">Investments in debt securities are accounted for on a trade date basis and are initially measured at fair value. </span><span class=\"S7DD SA7 S2\" id=\"t9_23\">Securities at fair value through other comprehensive income are measured at subsequent reporting dates at fair </span><span class=\"S7DE SA7 S2\" id=\"ta_23\">value. Unrealized gains and losses on securities at fair value through other comprehensive income are recognized </span><span class=\"S7DF SA7 S2\" id=\"tb_23\">directly in Other Comprehensive Income, except for interest and foreign exchange gains/losses on monetary items, </span><span class=\"S7E0 SA7 S2\" id=\"tc_23\">unless such financial asset at fair value through other comprehensive income is part of an effective hedge. Such </span><span class=\"S7E1 SA7 S2\" id=\"td_23\">gains and losses are reported when realized in Consolidated Statement of Profit or Loss for the applicable period. </span><span class=\"S7E2 SA7 S2\" id=\"te_23\">For debt securities at fair value through other comprehensive income the loss allowance is calculated based on </span><span class=\"S7E3 SA7 S2\" id=\"tf_23\">expected credit loss model. The expected credit loss is accounted for against Other Comprehensive Income. </span><span class=\"S7E4 SA7 S2\" id=\"tg_23\">Securities at fair value through other comprehensive income are remeasured at fair value based on quoted prices </span><span class=\"S7E5 SA7 S2\" id=\"th_23\">or amounts derived from cash-flow models. In circumstances where the quoted market prices are not readily </span><span class=\"S7E6 SA7 S2\" id=\"ti_23\">available, the fair value of debt securities is estimated using the present value of future cash-flows and the fair </span><span class=\"S7E7 SA7 S2\" id=\"tj_23\">value of any unquoted equity instruments are calculated using the EPS ratio. </span><span class=\"S7E8 SA7 S2\" id=\"tk_23\">Such securities consist of Hungarian and foreign government bonds, corporate bonds, mortgage bonds, interest- </span><span class=\"S7E9 SA7 S2\" id=\"tl_23\">bearing Treasury bills, securities issued by the NBH and other securities. </span><span class=\"S7EA SB S2\" id=\"tm_23\">Fair value through other comprehensive income option for equity instruments </span><span class=\"S7EB SA7 S2\" id=\"tn_23\">The Group has elected to present in the Statement of Other Comprehensive Income changes of fair value of those </span><span class=\"S7EC SA7 S2\" id=\"to_23\">equity instruments which are neither held for trading nor recognized as contingent consideration under IFRS 3. </span><span class=\"S7ED SA7 S2\" id=\"tp_23\">In some cases, the Group made an irrevocable election at initial recognition for certain equity instruments to </span><span class=\"S7EE SA7 S2\" id=\"tq_23\">present subsequent changes in fair value of these securities in the consolidated other comprehensive income instead </span><span class=\"S7EF SA7 S2\" id=\"tr_23\">of in profit or loss. </span><span class=\"S7F0 SA7 S2\" id=\"ts_23\">The use of the fair value option is based only on direct decision of management of the Group. </span><span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span><span class=\"S85B SB S2\" id=\"t13_25\">2.13. </span><span class=\"S85C SB S2\" id=\"t14_25\">Purchased or originated credit impaired financial assets </span><span class=\"S85D SA7 S2\" id=\"t15_25\">Purchased or originated financial assets are credit-impaired on initial recognition. A financial asset is credit- </span><span class=\"S85E SA7 S2\" id=\"t16_25\">impaired when one or more events that have a detrimental impact on the estimated future cash flows of that </span><span class=\"S85F SA7 S2\" id=\"t17_25\">financial asset have occurred. </span><span class=\"S860 SA7 S2\" id=\"t18_25\">A purchased credit-impaired asset is likely to be acquired at a deep discount. In unusual circumstances, it may be </span><span class=\"S861 SA7 S2\" id=\"t19_25\">possible that an entity originates a credit-impaired asset, for example, following a substantial modification of a </span><span class=\"S862 SA7 S2\" id=\"t1a_25\">distressed financial asset that resulted in the derecogniton of the original financial asset. </span><span class=\"S863 SA7 S2\" id=\"t1b_25\">In the case of POCI financial assets, interest income is always recognized by applying the credit-adjusted effective </span><span class=\"S864 SA7 S2\" id=\"t1c_25\">interest rate. </span><span class=\"S7FC SA7 S2\" id=\"t1d_25\">For POCI financial assets, in subsequent reporting periods an entity is required to recognize: </span><span class=\"S865 SA7 S2\" id=\"t1e_25\">- </span><span class=\"S866 SA7 S2\" id=\"t1f_25\">the cumulative changes in lifetime expected credit losses since initial recognition as a loss allowance, </span><span class=\"S867 SA7 S2\" id=\"t1g_25\">- </span><span class=\"S868 SA7 S2\" id=\"t1h_25\">the impairment gain or loss which is the amount of any change in lifetime expected credit losses. </span><span class=\"S869 SA7 S2\" id=\"t1i_25\">An impairment gain is recognized (with the parallel increase of the net amortized cost of receivable) if due </span><span class=\"S86A SA7 S2\" id=\"t1j_25\">to the favourable changes after initial recognition the lifetime expected credit loss estimation is becoming </span><span class=\"S86B SA7 S2\" id=\"t1k_25\">lower than the original estimated credit losses at initial recognition. </span><span class=\"S86C S5B9 S2\" id=\"t1l_25\">The POCI qualification remains from initial recognition to derecognition in the Group\u2019s books. </span><span class=\"S86D SB S2\" id=\"t5_26\">2.14. Loss allowance </span><span class=\"S86E SA7 S2\" id=\"t6_26\">A loss allowance for loans and placements with other banks and repo receivables is recognized by the Group based </span><span class=\"S86F SA7 S2\" id=\"t7_26\">on the expected credit loss model in accordance with IFRS 9. Based on the three-stage model the recognized loss </span><span class=\"S870 SA7 S2\" id=\"t8_26\">allowance equals to 12-month expected credit loss from the initial recognition. On financial assets with </span><span class=\"S871 SA7 S2\" id=\"t9_26\">significantly increased credit risk or credit impaired financial assets (based on objective evidence) the recognized </span><span class=\"S872 SA7 S2\" id=\"ta_26\">loss allowance is the lifetime expected credit loss. </span><span class=\"S873 SA7 S2\" id=\"tb_26\">In the case of purchased or originated credit impaired financial assets, a loss allowance is recognized in the amount </span><span class=\"S874 SA7 S2\" id=\"tc_26\">of the lifetime expected credit loss since initial recognition. The impairment gain in the Consolidated Statement </span><span class=\"S875 SA7 S2\" id=\"td_26\">of Profit or Loss is recognized if lifetime expected credit loss for purchased or originated credit impaired financial </span><span class=\"S5C4 SA7 S2\" id=\"te_26\">assets at measurement date is less than the estimated credit loss at initial recognition. </span><span class=\"S876 S5B9 S2\" id=\"tf_26\">A loss allowance for loans and placements with other banks and repo receivables represents Management\u2019s </span><span class=\"S877 SA7 S2\" id=\"tg_26\">assessment for potential losses in relation to these activities. </span><span class=\"S878 SA7 S2\" id=\"th_26\">Loss allowance for loan and placements are determined at a level that provides coverage for individually identified </span><span class=\"S879 SA7 S2\" id=\"ti_26\">credit losses. For loans for which it is not possible to determine the amount of the individually identified credit </span><span class=\"S87A SA7 S2\" id=\"tj_26\">loss in the absence of objective evidence, a collective impairment loss is recognized. With this, the Group reduces </span><span class=\"S87B SA7 S2\" id=\"tk_26\">the carrying amount of financial asset portfolios with similar credit risk characteristics to the amount expected to </span><span class=\"S87C SA7 S2\" id=\"tl_26\">be recovered based on historical loss experience. </span><span class=\"S87D SA7 S2\" id=\"tm_26\">At subsequent measurement the Group rec</span><span class=\"S87E S5B9 S2\" id=\"tn_26\">ognizes an impairment gain or loss through \u201cImpairment gain on POCI </span><span class=\"S87F S5B9 S2\" id=\"to_26\">loans\u201d in the Consolidated Statement of Profit or Loss as part of \u201cRisk cost\u201d line as an amount of expected credit </span><span class=\"S880 SA7 S2\" id=\"tp_26\">losses or reversal which is required to adjust the loss allowance at the reporting date to the amount that is required </span><span class=\"S881 SA7 S2\" id=\"tq_26\">to be recognized in accordance with IFRS 9. If the reason for the impairment no longer exist the impairment is </span><span class=\"S882 SA7 S2\" id=\"tr_26\">released in the Consolidated Statement of Profit or Loss for the current period. </span><span class=\"S883 SA7 S2\" id=\"ts_26\">If a financial asset, for which previously there were no indicators of significant increase in credit risk (i.e. classified </span><span class=\"S884 SA7 S2\" id=\"tt_26\">in Stage 1) is subsequently classified in Stage 2 or Stage 3 then loss allowance is adjusted to lifetime expected </span><span class=\"S885 SA7 S2\" id=\"tu_26\">credit loss. If a financial asset, which was previously classified in Stage 2 or Stage 3 is subsequently classified in </span><span class=\"S827 SA7 S2\" id=\"tv_26\">Stage 1 then the loss allowance is adjusted to the level of 12 month expected credit loss. </span><span class=\"S886 SB S2\" id=\"tw_26\">Classification into risk classes </span><span class=\"S887 SA7 S2\" id=\"tx_26\">According to the requirements of the IFRS9 the Group classifies the financial assets measured at amortized cost, </span><span class=\"S888 SA7 S2\" id=\"ty_26\">at fair value through other comprehensive income and loan commitments and financial guarantees into the </span><span class=\"S762 SA7 S2\" id=\"tz_26\">following stages: </span><span class=\"S889 S602 S2\" id=\"t10_26\">\u2022 </span><span class=\"S88A SA7 S2\" id=\"t11_26\">Stage 1 </span><span class=\"S88B S5B9 S2\" id=\"t12_26\">\u2013 </span><span class=\"S88C SA7 S2\" id=\"t13_26\">performing financial instruments without significant increase in credit risk since initial </span><span class=\"S88D SA7 S2\" id=\"t14_26\">recognition </span><span class=\"S88E S602 S2\" id=\"t15_26\">\u2022 </span><span class=\"S88F SA7 S2\" id=\"t16_26\">Stage 2 </span><span class=\"S890 S5B9 S2\" id=\"t17_26\">\u2013 </span><span class=\"S891 SA7 S2\" id=\"t18_26\">performing financial instruments with significant increase in credit risk since initial recognition </span><span class=\"S892 SA7 S2\" id=\"t19_26\">but not credit-impaired </span><span class=\"S893 S602 S2\" id=\"t1a_26\">\u2022 </span><span class=\"S894 SA7 S2\" id=\"t1b_26\">Stage 3 </span><span class=\"S895 S5B9 S2\" id=\"t1c_26\">\u2013 </span><span class=\"S896 SA7 S2\" id=\"t1d_26\">non-performing, credit-impaired financial instruments </span><span class=\"S897 S602 S2\" id=\"t1e_26\">\u2022 </span><span class=\"S898 SA7 S2\" id=\"t1f_26\">POCI </span><span class=\"S899 S5B9 S2\" id=\"t1g_26\">\u2013 </span><span class=\"S89A SA7 S2\" id=\"t1h_26\">purchased or originated credit impaired </span><span class=\"S89B SA7 S2\" id=\"t1i_26\">In the case of trade receivables the Group applies the simplified approach and calculates only lifetime expected </span><span class=\"S89C SA7 S2\" id=\"t1j_26\">credit loss. The simplified approach is the following: </span><span class=\"S89D S6E3 S2\" id=\"t1k_26\">- </span><span class=\"S89E SA7 S2\" id=\"t1l_26\">for the past 3 years the average annual balance of receivables under simplified approach is calculated, </span><span class=\"S89F S6E3 S2\" id=\"t1m_26\">- </span><span class=\"S8A0 SA7 S2\" id=\"t1n_26\">the written-off receivables under simplified approach are determined in the past 3 years, </span><span class=\"S8A1 S6E3 S2\" id=\"t1o_26\">- </span><span class=\"S8A2 SA7 S2\" id=\"t1p_26\">historical losses are adjusted to reflect information about current conditions and reasonable forecasts of </span><span class=\"S8A3 SA7 S2\" id=\"t1q_26\">future economic conditions, </span><span class=\"S8A4 S6E3 S2\" id=\"t1r_26\">- </span><span class=\"S8A5 SA7 S2\" id=\"t1s_26\">the loss allowance ratio is the sum of the written-off amounts divided by the sum of the average balances, </span><span class=\"S8A6 S6E3 S2\" id=\"t1t_26\">- </span><span class=\"S8A7 SA7 S2\" id=\"t1u_26\">the loss allowance is multiplied by the end-of-year balance, it is the actual loss allowance on these </span><span class=\"S8A8 SA7 S2\" id=\"t1v_26\">receivables, </span><span class=\"S8A9 S6E3 S2\" id=\"t1w_26\">- </span><span class=\"S8AA SA7 S2\" id=\"t1x_26\">loss allowance should be recalculated annually. </span><span class=\"S8AB SB S2\" id=\"t5_27\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_27\">Classification into risk classes [continued] </span><span class=\"S8AD SA7 S2\" id=\"t7_27\">The Group assumes that the credit risk on a financial instrument has not increased significantly since initial </span><span class=\"S8AE SA7 S2\" id=\"t8_27\">recognition if the financial asset is determined to have low credit risk at the reporting date. This might occur if the </span><span class=\"S8AF SA7 S2\" id=\"t9_27\">financial asset has a low risk of default, the borrower has a strong capacity to meet its contractual cash flow </span><span class=\"S8B0 SA7 S2\" id=\"ta_27\">obligations in the near term and adverse changes in economic and business conditions in the longer term may, but </span><span class=\"S8B1 SA7 S2\" id=\"tb_27\">will not necessarily, reduce the ability of the borrower to fulfil its contractual cash flow obligations. The Group </span><span class=\"S8B2 SA7 S2\" id=\"tc_27\">considers sovereign exposures as having low credit risk. </span><span class=\"S8B3 SA7 S2\" id=\"td_27\">Stage 1: financial instruments for which the events and conditions specified in respect of Stage 2 and Stage 3 do </span><span class=\"S8B4 SA7 S2\" id=\"te_27\">not exist on the reporting date. </span><span class=\"S8B5 SA7 S2\" id=\"tf_27\">A client or loan must be qualified as default if one or both the following two conditions occur: </span><span class=\"S8B6 S602 S2\" id=\"tg_27\">\u2022 </span><span class=\"S8B7 SA7 S2\" id=\"th_27\">The client delays more than 90 days. This is considered a hard trigger. </span><span class=\"S8B8 S602 S2\" id=\"ti_27\">\u2022 </span><span class=\"S8B9 SA7 S2\" id=\"tj_27\">There is reasonable probability that the client will not pay all of its obligation. This condition is examined </span><span class=\"S8BA SA7 S2\" id=\"tk_27\">on the basis of probability criteria of default. </span><span class=\"S8BB SA7 S2\" id=\"tl_27\">The subject of default qualification is that exposure (on-balance and off-balance) which originates credit risk (so </span><span class=\"S8BC SA7 S2\" id=\"tm_27\">originated from loan commitments, risk-taking contracts). </span><span class=\"S8BD SA7 S2\" id=\"tn_27\">A financial instrument shows significant increase in credit risk, and is allocated to Stage 2, if in respect of which </span><span class=\"S8BE SA7 S2\" id=\"to_27\">any of the following triggers exist on the reporting date, without fulfilling any of the conditions for the allocation </span><span class=\"S8BF SA7 S2\" id=\"tp_27\">to the non-performing stage (stage 3): </span><span class=\"S8C0 S602 S2\" id=\"tq_27\">\u2022 </span><span class=\"S8C1 SA7 S2\" id=\"tr_27\">the payment delay exceeds 30 days, </span><span class=\"S8C2 S602 S2\" id=\"ts_27\">\u2022 </span><span class=\"S8C3 SA7 S2\" id=\"tt_27\">it is classified as performing forborne, </span><span class=\"S8C4 S602 S2\" id=\"tu_27\">\u2022 </span><span class=\"S8C5 SA7 S2\" id=\"tv_27\">based on individual decision, its currency suffered a significant \"shock\" since the disbursement of the loan, </span><span class=\"S8C6 S602 S2\" id=\"tw_27\">\u2022 </span><span class=\"S8C7 SA7 S2\" id=\"tx_27\">the transaction/client rating exceeds a predefined value or falls into a determined range, or compared to the </span><span class=\"S8C8 SA7 S2\" id=\"ty_27\">historic value it deteriorates to a predefined degree, </span><span class=\"S8C9 S602 S2\" id=\"tz_27\">\u2022 </span><span class=\"S8CA SA7 S2\" id=\"t10_27\">in the case retail mortgage loans, the loan-to-value ratio exceeds a predefined rate, </span><span class=\"S8CB S602 S2\" id=\"t11_27\">\u2022 </span><span class=\"S8CC SA7 S2\" id=\"t12_27\">default on another loan of the retail client, if no cross-default exists, </span><span class=\"S8CD S602 S2\" id=\"t13_27\">\u2022 </span><span class=\"S8CE SA7 S2\" id=\"t14_27\">monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8CF S6E3 S2\" id=\"t15_27\">- </span><span class=\"S8D0 SA7 S2\" id=\"t16_27\">financial difficulties at the debtor (capital adequacy, liquidity, deterioration of the instrument quality), </span><span class=\"S8D1 S6E3 S2\" id=\"t17_27\">- </span><span class=\"S8D2 SA7 S2\" id=\"t18_27\">significant decrease of the liquidity or the activity on the active market of the financial instrument can </span><span class=\"S8D3 SA7 S2\" id=\"t19_27\">be observed, </span><span class=\"S8D4 S6E3 S2\" id=\"t1a_27\">- </span><span class=\"S8D5 SA7 S2\" id=\"t1b_27\">the rating of the client reflects high risk, but it is better than the default one, </span><span class=\"S8D6 S6E3 S2\" id=\"t1c_27\">- </span><span class=\"S8D7 SA7 S2\" id=\"t1d_27\">significantly decrease in the value of the recovery from which the debtor would disburse the loan, </span><span class=\"S8D8 S6E3 S2\" id=\"t1e_27\">- </span><span class=\"S8D9 SA7 S2\" id=\"t1f_27\">clients under liquidation. </span><span class=\"S8DA SA7 S2\" id=\"t1g_27\">A financial instrument is non-performing and it is allocated to Stage 3 when any of the following events or </span><span class=\"S8DB SA7 S2\" id=\"t1h_27\">conditions exists on the reporting date: </span><span class=\"S8DC S602 S2\" id=\"t1i_27\">\u2022 </span><span class=\"S8DD SA7 S2\" id=\"t1j_27\">default (based on the group level default definition), </span><span class=\"S8DE S602 S2\" id=\"t1k_27\">\u2022 </span><span class=\"S8DF SA7 S2\" id=\"t1l_27\">classified as non-performing forborne (based on the group level forborne definition), </span><span class=\"S8E0 S602 S2\" id=\"t1m_27\">\u2022 </span><span class=\"S8E1 SA7 S2\" id=\"t1n_27\">the monitoring classification of corporate and municipal clients above different thresholds defined on group </span><span class=\"S8E2 SA7 S2\" id=\"t1o_27\">level (including but not limited to): </span><span class=\"S8E3 S6E3 S2\" id=\"t1p_27\">- </span><span class=\"S8E4 SA7 S2\" id=\"t1q_27\">breaching of contracts, </span><span class=\"S8E5 S6E3 S2\" id=\"t1r_27\">- </span><span class=\"S8E6 SA7 S2\" id=\"t1s_27\">significant financial difficulties of the debtor (like capital adequacy, liquidity, deterioration of the </span><span class=\"S8E7 SA7 S2\" id=\"t1t_27\">instrument quality), </span><span class=\"S8E8 S6E3 S2\" id=\"t1u_27\">- </span><span class=\"S8E9 SA7 S2\" id=\"t1v_27\">bankruptcy, liquidation, debt settlement processes against debtor, </span><span class=\"S8EA S6E3 S2\" id=\"t1w_27\">- </span><span class=\"S8EB SA7 S2\" id=\"t1x_27\">forced strike-off started against debtor, </span><span class=\"S8EC S6E3 S2\" id=\"t1y_27\">- </span><span class=\"S8ED SA7 S2\" id=\"t1z_27\">termination of loan contract by the Bank, </span><span class=\"S8EE S6E3 S2\" id=\"t20_27\">- </span><span class=\"S8EF SA7 S2\" id=\"t21_27\">occurrence of fraud event, </span><span class=\"S8F0 S6E3 S2\" id=\"t22_27\">- </span><span class=\"S8F1 SA7 S2\" id=\"t23_27\">termination of the active market of the financial instrument. </span><span class=\"S8AB SB S2\" id=\"t5_28\">2.14.  Loss allowance [continued] </span><span class=\"S8AC SB S2\" id=\"t6_28\">Classification into risk classes [continued] </span><span class=\"S8F2 SA7 S2\" id=\"t7_28\">If the exposure is no longer considered as credit impaired, the Group allocates this exposure to Stage 2. </span><span class=\"S6EA SA7 S2\" id=\"t8_28\">When loss allowance is calculated at exposures categorized into stages the following process is needed by stages: </span><span class=\"S8F3 S602 S2\" id=\"t9_28\">\u2022 </span><span class=\"S8F4 SA7 S2\" id=\"ta_28\">Stage 1 (performing): loss allowance at an amount equal to 12-month expected credit loss should be </span><span class=\"S8F5 SA7 S2\" id=\"tb_28\">recognized, </span><span class=\"S8F6 S602 S2\" id=\"tc_28\">\u2022 </span><span class=\"S8F7 SA7 S2\" id=\"td_28\">Stage 2 (significant increase in credit risk): loss allowance at an amount equal to lifetime expected credit </span><span class=\"S8F8 SA7 S2\" id=\"te_28\">loss should be recognized, </span><span class=\"S8F9 S602 S2\" id=\"tf_28\">\u2022 </span><span class=\"S8FA SA7 S2\" id=\"tg_28\">Stage 3 (non-performing): loss allowance at an amount equal to lifetime expected credit loss should be </span><span class=\"S8FB SA7 S2\" id=\"th_28\">recognized. </span><span class=\"S8FC SA7 S2\" id=\"ti_28\">For lifetime expected credit losses, an entity shall estimate the risk of a default occurring on the financial </span><span class=\"S8FD SA7 S2\" id=\"tj_28\">instrument during its expected life. 12-month expected credit losses are a portion of the lifetime expected credit </span><span class=\"S8FE SA7 S2\" id=\"tk_28\">losses and represent the lifetime cash shortfalls that will result if a default occurs in the 12 months after the </span><span class=\"S8FF SA7 S2\" id=\"tl_28\">reporting date (or a shorter period if the expected life of a financial instrument is less than 12 months), weighted </span><span class=\"S900 SA7 S2\" id=\"tm_28\">by the probability of that default occurring. </span><span class=\"S901 SA7 S2\" id=\"tn_28\">An entity shall measure expected credit losses of a financial instrument in a way that reflects: </span><span class=\"S902 SA7 S2\" id=\"to_28\">- </span><span class=\"S903 SA7 S2\" id=\"tp_28\">an unbiased and probability-weighted amount that is determined by evaluating a range of possible </span><span class=\"S904 SA7 S2\" id=\"tq_28\">outcomes </span><span class=\"S905 SA7 S2\" id=\"tr_28\">- </span><span class=\"S906 SA7 S2\" id=\"ts_28\">the time value of money and </span><span class=\"S907 SA7 S2\" id=\"tt_28\">- </span><span class=\"S908 SA7 S2\" id=\"tu_28\">reasonable and supportable information that is available without undue cost or effort at the reporting date </span><span class=\"S909 SA7 S2\" id=\"tv_28\">about past events, current conditions and forecasts of future economic conditions. </span><span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span><span class=\"S9DF SB S2\" id=\"tl_32\">2.22. Investment properties </span><span class=\"S9E0 SA7 S2\" id=\"tm_32\">Investment properties of the Group are land, buildings, part of buildings which held (as the owner or as the lessee </span><span class=\"S9E1 SA7 S2\" id=\"tn_32\">under a finance lease) to earn rentals or for capital appreciation or both, rather than for use in the production or </span><span class=\"S9E2 SA7 S2\" id=\"to_32\">supply of services or for administrative purposes or sale in the ordinary course of business. The Group measures </span><span class=\"S9E3 SA7 S2\" id=\"tp_32\">the investment properties at cost less accumulated depreciation and impairment, if any. </span><span class=\"S9E4 SA7 S2\" id=\"tq_32\">The depreciable amount (book value less residual value) of the investment properties must be allocated over their </span><span class=\"S9E5 SA7 S2\" id=\"tr_32\">useful lives. The depreciation and amortization are computed using the straight-line method over the estimated </span><span class=\"S9E6 SA7 S2\" id=\"ts_32\">useful lives of the assets. </span><span class=\"S9E7 SA7 S2\" id=\"tt_32\">The Group discloses the fair value of the investment properties in Note 14 established mainly by external experts. </span><span class=\"SAB5 SB S2\" id=\"td_37\">3.1. </span><span class=\"SAB6 SB S2\" id=\"te_37\">Loss allowances on financial instruments exposed to credit risk </span><span class=\"SAB7 SA7 S2\" id=\"tf_37\">The Group regularly assesses its financial instruments portfolio for loss allowance. Management determines the </span><span class=\"SAB8 SA7 S2\" id=\"tg_37\">adequacy of the loss allowances based upon reviews of individual loans and placements, recent loss experience, </span><span class=\"SAB9 SA7 S2\" id=\"th_37\">current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. </span><span class=\"SABA SA7 S2\" id=\"ti_37\">The use of the three-stage model was implemented for IFRS 9 purposes. The impairment methodology is used to </span><span class=\"SABB SA7 S2\" id=\"tj_37\">classify financial instruments in order to determine whether credit risk has significantly increased since initial </span><span class=\"SABC SA7 S2\" id=\"tk_37\">recognition and to identify the credit-impaired assets. For instruments with credit-impairment or significant </span><span class=\"SABD SA7 S2\" id=\"tl_37\">increase of credit risk lifetime expected losses are recognized (see more details in Note 37.1.) </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3082": {
   "value": "<span class=\"S7F1 SB S2\" id=\"tt_23\">2.11. </span><span class=\"S7F2 SB S2\" id=\"tu_23\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S7F3 SB S2\" id=\"tv_23\">and repo receivable losses </span><span class=\"S7F4 SA7 S2\" id=\"tw_23\">The Group measures at amortized cost those Loans and placements with other banks and repo receivables, which </span><span class=\"S7F5 SA7 S2\" id=\"tx_23\">are held to collect contractual cash flows, and contractual terms of these assets give rise on specified dates to cash </span><span class=\"S7F6 SA7 S2\" id=\"ty_23\">flows that are solely payments of principal and interest on the principal amount outstanding. These loans are </span><span class=\"S7F7 SA7 S2\" id=\"tz_23\">recognized as Loans at amortized cost in the Consolidated Statement of Financial Position. The Group recognizes </span><span class=\"S7F8 SA7 S2\" id=\"t10_23\">those financial assets which are not held for trading and do not give rise to contractual cash flows that are solely </span><span class=\"S7F9 SA7 S2\" id=\"t11_23\">payments of principal and interest on the principal amount outstanding as loans measured at fair value through </span><span class=\"S7FA SA7 S2\" id=\"t12_23\">profit or loss. These loans are recognized as Loans mandatorily at fair value through profit or loss in the </span><span class=\"S7FB SA7 S2\" id=\"t13_23\">Consolidated Statement of Financial Position. </span><span class=\"S7FC SA7 S2\" id=\"t14_23\">Those Loans and placements with other banks and repo receivables that are accounted at amortized cost, stated at </span><span class=\"S7FD SA7 S2\" id=\"t15_23\">the principal amounts outstanding (including accrued interest), net of allowance for loan or placement losses, </span><span class=\"S7FE SA7 S2\" id=\"t16_23\">respectively. </span><span class=\"S7FF SA7 S2\" id=\"t17_23\">In case of the above mentioned financial assets measured at amortised cost transaction fees and charges adjust the </span><span class=\"S800 SA7 S2\" id=\"t18_23\">carrying amount at initial recognition and are included in effective interest calculation. In case of loans at fair value </span><span class=\"S801 SA7 S2\" id=\"t19_23\">through profit or loss fees and charges are recognised when incurred in the Consolidated Statement of Profit or </span><span class=\"S802 SA7 S2\" id=\"t1a_23\">Loss. </span><span class=\"S803 SA7 S2\" id=\"t1b_23\">Loans and placements with other banks and repo receivables are derecognized when the contractual rights to the </span><span class=\"S804 SA7 S2\" id=\"t1c_23\">cash-flows expire or they are transferred. When a financial asset is derecognized the difference of the carrying </span><span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S80A SB S2\" id=\"t5_24\">2.11. </span><span class=\"S80B SB S2\" id=\"t6_24\">Loans, placements with other banks, repo receivables and loss allowance for loan and placements </span><span class=\"S80C SB S2\" id=\"t7_24\">and repo receivable losses [continued] </span><span class=\"S80D SA7 S2\" id=\"t8_24\">Change in the fair value of loans at fair value through profit or loss is broken down into two components and </span><span class=\"S80E SA7 S2\" id=\"t9_24\">presented in the Consolidated Statement of Profit or Loss as follows: </span><span class=\"S80F S5B9 S2\" id=\"ta_24\">\u2022 </span><span class=\"S810 S5B9 S2\" id=\"tb_24\">Portion of the change in fair value arising from changes in credit risk are presented within \u201cRisk cost\u201d as </span><span class=\"S811 S5B9 S2\" id=\"tc_24\">\u201cChange in the fair value attributable to changes in the credit risk of loans mandato</span><span class=\"S812 SA7 S2\" id=\"td_24\">rily measured at fair value </span><span class=\"S813 S5B9 S2\" id=\"te_24\">through profit of loss\u201d. </span><span class=\"S814 S5B9 S2\" id=\"tf_24\">\u2022 </span><span class=\"S815 S5B9 S2\" id=\"tg_24\">The remaining component of the change is presented in fair value within \u201cNet operating income\u201d as \u201cFair </span><span class=\"S816 S5B9 S2\" id=\"th_24\">value adjustment on financial instruments measured at fair value through profit or loss\u201d. </span><span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S81F SA7 S2\" id=\"tq_24\">Initial fair value of loans lent at interest below market conditions is lower than their transaction price, the </span><span class=\"S820 SA7 S2\" id=\"tr_24\">subsequent measurement of these loans is under IFRS 9. </span><span class=\"S821 SA7 S2\" id=\"ts_24\">The Group recognizes a loss allowance for expected credit losses on a financial asset at each reporting date. The </span><span class=\"S822 SA7 S2\" id=\"tt_24\">loss allowance for a financial asset equals to 12-month expected credit loss or equals to the lifetime expected credit </span><span class=\"S823 SA7 S2\" id=\"tu_24\">losses. The maximum period over which expected credit losses shall be measured is the maximum contractual </span><span class=\"S824 SA7 S2\" id=\"tv_24\">period over which the Group is exposed to credit risk. </span><span class=\"S825 SA7 S2\" id=\"tw_24\">If the credit risk on a financial asset has not increased significantly since initial recognition then 12-month expected </span><span class=\"S75B SA7 S2\" id=\"tx_24\">credit losses, otherwise (in case of significant credit risk increase) lifetime expected credit losses should be </span><span class=\"S826 SA7 S2\" id=\"ty_24\">calculated. The expected credit loss is the present value of the difference between the contractual cash flows that </span><span class=\"S827 SA7 S2\" id=\"tz_24\">are due to the Group under the contract and the cash flows that the Group expects to receive. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S831 SA7 S2\" id=\"t19_24\">The Group applies partial or full write-off for loans based on the definitions and prescriptions of financial </span><span class=\"S832 SA7 S2\" id=\"t1a_24\">instruments in accordance with IFRS 9. If the Group has no reasonable expectations regarding a financial asset </span><span class=\"S833 SA7 S2\" id=\"t1b_24\">(loan) to be recovered, it will be written off partially or fully at the time of emergence. </span><span class=\"S834 SA7 S2\" id=\"t1c_24\">The gross amount and loss allowance of the loans shall be written off in the same amount to the estimated </span><span class=\"S835 SA7 S2\" id=\"t1d_24\">maximum recovery amount while the net carrying value remains unchanged. Subsequent recoveries for loans </span><span class=\"S836 SA7 S2\" id=\"t1e_24\">previously written-off partially or fully, which may have been derecognized from the books with no reasonable </span><span class=\"S804 S5B9 S2\" id=\"t1f_24\">expectations for the recovery will be booked in the Consolidated Statement of Profit or Loss on \u201cIncome from </span><span class=\"S837 SA7 S2\" id=\"t1g_24\">recoveries of written-</span><span class=\"S838 S5B9 S2\" id=\"t1h_24\">off, but legally existing loan\u201d line in Risk cost. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLoansAndReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3103": {
   "value": "When a financial asset is derecognized the difference of the carrying <span class=\"S805 SA7 S2\" id=\"t1d_23\">amount and the consideration received is recognized in the profit or loss in case of financial assets at amortised </span><span class=\"S806 S5B9 S2\" id=\"t1e_23\">cost the gains or losses from derecognition are presented in \u201cGains/losses from derecognit </span><span class=\"S807 SA7 S2\" id=\"t1f_23\">ion of financial assets </span><span class=\"S808 S5B9 S2\" id=\"t1g_23\">at amortised cost\u201d line while in case of loans at fair value through profit or loss the gains or losses from </span><span class=\"S809 S5B9 S2\" id=\"t1h_23\">derecognition are presented in \u201cNet operating income\u201d. </span><span class=\"S828 SA7 S2\" id=\"t10_24\">When the contractual cash flows of a financial asset are modified and the modification does not result in the </span><span class=\"S829 SA7 S2\" id=\"t11_24\">derecognition of the financial asset the Group recalculates the gross carrying amount of the financial asset by </span><span class=\"S82A SA7 S2\" id=\"t12_24\">discounting the expected future cash flows with the original effective interest rate of the asset. The difference </span><span class=\"S82B SA7 S2\" id=\"t13_24\">between the carrying amount and the present value of the expected cash flows is recognized as a modification gain </span><span class=\"S82C SA7 S2\" id=\"t14_24\">or loss in the profit or loss. Interest and amortized cost are accounted using effective interest rate method. </span><span class=\"S82D SA7 S2\" id=\"t15_24\">Write-offs are generally recorded after all reasonable restructuring or collection activities have taken place and the </span><span class=\"S82E SA7 S2\" id=\"t16_24\">possibility of further recovery is considered to be remote. The loan is written off ag</span><span class=\"S82F S5B9 S2\" id=\"t17_24\">ainst the related account \u201cGain </span><span class=\"S830 S5B9 S2\" id=\"t18_24\">/ (Loss) from derecognition of financial assets at amortized cost\u201d in the Consolidated Statement of Profit or Loss. </span><span class=\"S848 SA7 S2\" id=\"tk_25\">Among the possible contract amendments, the Group considers as a derecognition and a new recognition when the </span><span class=\"S849 SA7 S2\" id=\"tl_25\">discounted present value </span><span class=\"S84A S5B9 S2\" id=\"tm_25\">\u2013 </span><span class=\"S84B SA7 S2\" id=\"tn_25\">discounted at the original effective interest rate </span><span class=\"S84C S5B9 S2\" id=\"to_25\">\u2013 </span><span class=\"S84D SA7 S2\" id=\"tp_25\">of the cash flows under the new terms </span><span class=\"S84E SA7 S2\" id=\"tq_25\">is at least 10 per cent different from the discounted present value of the remaining cash flows. In case of </span><span class=\"S84F SA7 S2\" id=\"tr_25\">derecognition and new recognition the unamortized fees of the derecognized asset should be presented as Income </span><span class=\"S850 SA7 S2\" id=\"ts_25\">similar to interest income. The newly recognized financial asset is initially measured at fair value and is placed in </span><span class=\"S851 SA7 S2\" id=\"tt_25\">stage 1 if the derecognized financial asset was in stage 1 or stage 2 portfolio. The newly recognized financial asset </span><span class=\"S852 S5B9 S2\" id=\"tu_25\">will be purchased or originated credit impaired financial asset (\u201cPOCI\u201d) if the derecognized financial asset was in </span><span class=\"S853 SA7 S2\" id=\"tv_25\">stage 3 portfolio or it was POCI. </span><span class=\"S9B9 SA7 S2\" id=\"tp_31\">The Group applies the derecognition and impairment requirements in IFRS 9 to the net investment in the lease (for </span><span class=\"S9BA SA7 S2\" id=\"tq_31\">more details, see Note 2.14.). </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3140": {
   "value": "<span class=\"S817 SA7 S2\" id=\"ti_24\">Initially financial assets shall be recognized at fair value which is usually equal to transaction value in case of </span><span class=\"S818 SA7 S2\" id=\"tj_24\">loans and placements. However, when the amounts are not equal, the initial fair value difference should be </span><span class=\"S819 SA7 S2\" id=\"tk_24\">recognized. </span><span class=\"S81A SA7 S2\" id=\"tl_24\">If the fair value of financial assets is based on a valuation technique using only inputs observable in market </span><span class=\"S81B SA7 S2\" id=\"tm_24\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S81C SA7 S2\" id=\"tn_24\">When the fair value of financial assets is based on models for which inputs are not observable, the difference </span><span class=\"S81D SA7 S2\" id=\"to_24\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S81E SA7 S2\" id=\"tp_24\">instrument is derecognized or the inputs became observable. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3290": {
   "value": "<span class=\"S887 SA7 S2\" id=\"tx_26\">According to the requirements of the IFRS9 the Group classifies the financial assets measured at amortized cost, </span><span class=\"S888 SA7 S2\" id=\"ty_26\">at fair value through other comprehensive income and loan commitments and financial guarantees into the </span><span class=\"S762 SA7 S2\" id=\"tz_26\">following stages: </span><span class=\"S889 S602 S2\" id=\"t10_26\">\u2022 </span><span class=\"S88A SA7 S2\" id=\"t11_26\">Stage 1 </span><span class=\"S88B S5B9 S2\" id=\"t12_26\">\u2013 </span><span class=\"S88C SA7 S2\" id=\"t13_26\">performing financial instruments without significant increase in credit risk since initial </span><span class=\"S88D SA7 S2\" id=\"t14_26\">recognition </span><span class=\"S88E S602 S2\" id=\"t15_26\">\u2022 </span><span class=\"S88F SA7 S2\" id=\"t16_26\">Stage 2 </span><span class=\"S890 S5B9 S2\" id=\"t17_26\">\u2013 </span><span class=\"S891 SA7 S2\" id=\"t18_26\">performing financial instruments with significant increase in credit risk since initial recognition </span><span class=\"S892 SA7 S2\" id=\"t19_26\">but not credit-impaired </span><span class=\"S893 S602 S2\" id=\"t1a_26\">\u2022 </span><span class=\"S894 SA7 S2\" id=\"t1b_26\">Stage 3 </span><span class=\"S895 S5B9 S2\" id=\"t1c_26\">\u2013 </span><span class=\"S896 SA7 S2\" id=\"t1d_26\">non-performing, credit-impaired financial instruments </span><span class=\"S897 S602 S2\" id=\"t1e_26\">\u2022 </span><span class=\"S898 SA7 S2\" id=\"t1f_26\">POCI </span><span class=\"S899 S5B9 S2\" id=\"t1g_26\">\u2013 </span><span class=\"S89A SA7 S2\" id=\"t1h_26\">purchased or originated credit impaired </span><span class=\"SA58 SB S2\" id=\"td_35\">2.31. </span><span class=\"SA59 SB S2\" id=\"te_35\">Off-balance sheet commitments and contingent liabilities </span><span class=\"SA5A SA7 S2\" id=\"tf_35\">In the ordinary course of its business, the Group enters into off-balance sheet commitments such as guarantees, </span><span class=\"SA5B SA7 S2\" id=\"tg_35\">letters of credit, commitments to extend credit and transactions with financial instruments. The provision for off- </span><span class=\"SA5C SA7 S2\" id=\"th_35\">balance sheet commitments and contingent liabilities is maintained at a level adequate to absorb future cash </span><span class=\"SA5D SA7 S2\" id=\"ti_35\">outflows which are probable and relate to present obligations. </span><span class=\"SA5E SA7 S2\" id=\"tj_35\">In the case of commitments and contingent liabilities, the Management determines the adequacy of the loss </span><span class=\"SA5F SA7 S2\" id=\"tk_35\">allowance based upon reviews of individual items, recent loss experience, current economic conditions, the risk </span><span class=\"SA60 SA7 S2\" id=\"tl_35\">characteristics of the various categories of transactions and other pertinent factors. The Group recognizes provision </span><span class=\"SA61 SA7 S2\" id=\"tm_35\">for off-balance sheet commitment and contingent liabilities in accordance with IAS 37 when it has a present </span><span class=\"SA62 SA7 S2\" id=\"tn_35\">obligation as a result of a past event; it is probable that an outflow of resources embodying economic benefits will </span><span class=\"SA63 SA7 S2\" id=\"to_35\">be required to settle the obligation; and a reliable estimate can be made of the obligation. For financial guarantees </span><span class=\"SA64 SA7 S2\" id=\"tp_35\">and loan commitments given which are under IFRS 9 the expected credit loss model is applied when the provision </span><span class=\"SA65 SA7 S2\" id=\"tq_35\">is calculated (see more details in Note 2.14.). After initial recognition the Group subsequently measures those </span><span class=\"SA66 SA7 S2\" id=\"tr_35\">contracts at a higher of the amount of the loss allowance or of the amount initially recognised less the cumulative </span><span class=\"SA67 SA7 S2\" id=\"ts_35\">amount of income recognized in accordance with IFRS 15. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3312": {
   "value": "<span class=\"S89B SA7 S2\" id=\"t1i_26\">In the case of trade receivables the Group applies the simplified approach and calculates only lifetime expected </span><span class=\"S89C SA7 S2\" id=\"t1j_26\">credit loss. The simplified approach is the following: </span><span class=\"S89D S6E3 S2\" id=\"t1k_26\">- </span><span class=\"S89E SA7 S2\" id=\"t1l_26\">for the past 3 years the average annual balance of receivables under simplified approach is calculated, </span><span class=\"S89F S6E3 S2\" id=\"t1m_26\">- </span><span class=\"S8A0 SA7 S2\" id=\"t1n_26\">the written-off receivables under simplified approach are determined in the past 3 years, </span><span class=\"S8A1 S6E3 S2\" id=\"t1o_26\">- </span><span class=\"S8A2 SA7 S2\" id=\"t1p_26\">historical losses are adjusted to reflect information about current conditions and reasonable forecasts of </span><span class=\"S8A3 SA7 S2\" id=\"t1q_26\">future economic conditions, </span><span class=\"S8A4 S6E3 S2\" id=\"t1r_26\">- </span><span class=\"S8A5 SA7 S2\" id=\"t1s_26\">the loss allowance ratio is the sum of the written-off amounts divided by the sum of the average balances, </span><span class=\"S8A6 S6E3 S2\" id=\"t1t_26\">- </span><span class=\"S8A7 SA7 S2\" id=\"t1u_26\">the loss allowance is multiplied by the end-of-year balance, it is the actual loss allowance on these </span><span class=\"S8A8 SA7 S2\" id=\"t1v_26\">receivables, </span><span class=\"S8A9 S6E3 S2\" id=\"t1w_26\">- </span><span class=\"S8AA SA7 S2\" id=\"t1x_26\">loss allowance should be recalculated annually. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3457": {
   "value": "<span class=\"S90A SB S2\" id=\"tw_28\">2.15. </span><span class=\"S90B SB S2\" id=\"tx_28\">Sale and repurchase agreements, security lending </span><span class=\"S90C SA7 S2\" id=\"ty_28\">Where debt or equity securities are sold under a commitment to repurchase them at a pre-determined price, they </span><span class=\"S90D SA7 S2\" id=\"tz_28\">remain on the Consolidated Statement of Financial Position and the consideration received is recorded in Other </span><span class=\"S90E SA7 S2\" id=\"t10_28\">liabilities or Amounts due to banks, the National Governments, deposits from the National Banks and other banks. </span><span class=\"S90F SA7 S2\" id=\"t11_28\">Conversely, debt or equity securities purchased under a commitment to resell are not recognized in the </span><span class=\"S910 SA7 S2\" id=\"t12_28\">Consolidated Statement of Financial Position and the consideration paid is recorded either in Placements with </span><span class=\"S911 SA7 S2\" id=\"t13_28\">other banks or Deposits from customers. Interest is accrued based on the effective interest method evenly over the </span><span class=\"S912 SA7 S2\" id=\"t14_28\">life of the repurchase agreement. </span><span class=\"S913 SA7 S2\" id=\"t15_28\">In the case of security lending transactions, the Group does not recognize or derecognize the securities because </span><span class=\"S914 SA7 S2\" id=\"t16_28\">believes that the transferor retains substantially all the risks and rewards of the ownership of the securities. Only a </span><span class=\"S915 SA7 S2\" id=\"t17_28\">financial liability or financial receivable is recognized for the consideration amount. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3470": {
   "value": "<span class=\"S916 SB S2\" id=\"t18_28\">2.16. </span><span class=\"S917 SB S2\" id=\"t19_28\">Associates and other investments </span><span class=\"S918 SA7 S2\" id=\"t1a_28\">Companies where the Bank has the ability to exercise significant influence are accounted for using the equity </span><span class=\"S919 SA7 S2\" id=\"t1b_28\">method. Subsidiaries and associated companies that were not accounted for using the equity method and other </span><span class=\"S91A SA7 S2\" id=\"t1c_28\">investments where the Bank does not hold a significant interest are recorded according to IFRS 9. When an </span><span class=\"S91B SA7 S2\" id=\"t1d_28\">investment in an associate is held indirectly through an entity that is a venture capital fund, the Group elects to </span><span class=\"S91C SA7 S2\" id=\"t1e_28\">measure these investments in the associate at fair value through profit or loss in accordance with IFRS 9. </span><span class=\"S91D SA7 S2\" id=\"t1f_28\">Under the equity method, the investment is initially recognized at cost, and the carrying amount is adjusted </span><span class=\"S91E SA7 S2\" id=\"t1g_28\">subsequently for: </span><span class=\"S91F SA7 S2\" id=\"t1h_28\">- </span><span class=\"S920 S5B9 S2\" id=\"t1i_28\">the Group\u2019s share of the post</span><span class=\"S921 SA7 S2\" id=\"t1j_28\">-</span><span class=\"S922 S5B9 S2\" id=\"t1k_28\">acquisition profits or losses of the investee, which are recognized in the Group\u2019s </span><span class=\"S923 SA7 S2\" id=\"t1l_28\">Consolidated Statement of Profit or Loss; and </span><span class=\"S924 SA7 S2\" id=\"t1m_28\">- </span><span class=\"S925 SA7 S2\" id=\"t1n_28\">the distributions received from the investee, which reduce the carrying amount of the investment. </span><span class=\"S926 SB S2\" id=\"t5_29\">2.16.  Associates and other investments [continued] </span><span class=\"S927 S5B9 S2\" id=\"t6_29\">The Group\u2019s share of the profits or losses of the investee, or other changes in the investee\u2019s equi </span><span class=\"S928 SA7 S2\" id=\"t7_29\">ty, is determined </span><span class=\"S68A S5B9 S2\" id=\"t8_29\">on the basis of its proportionate ownership interest. The Group recognizes its share of the investee\u2019s income and </span><span class=\"S8F2 SA7 S2\" id=\"t9_29\">losses based on the percentage of the equity interest owned by the Group. </span><span class=\"S929 SA7 S2\" id=\"ta_29\">Gains and losses on the sale of investments are determined based on the specific identification of the cost of each </span><span class=\"S92A SA7 S2\" id=\"tb_29\">investment. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3471": {
   "value": "<span class=\"S916 SB S2\" id=\"t18_28\">2.16. </span><span class=\"S917 SB S2\" id=\"t19_28\">Associates and other investments </span><span class=\"S918 SA7 S2\" id=\"t1a_28\">Companies where the Bank has the ability to exercise significant influence are accounted for using the equity </span><span class=\"S919 SA7 S2\" id=\"t1b_28\">method. Subsidiaries and associated companies that were not accounted for using the equity method and other </span><span class=\"S91A SA7 S2\" id=\"t1c_28\">investments where the Bank does not hold a significant interest are recorded according to IFRS 9. When an </span><span class=\"S91B SA7 S2\" id=\"t1d_28\">investment in an associate is held indirectly through an entity that is a venture capital fund, the Group elects to </span><span class=\"S91C SA7 S2\" id=\"t1e_28\">measure these investments in the associate at fair value through profit or loss in accordance with IFRS 9. </span><span class=\"S91D SA7 S2\" id=\"t1f_28\">Under the equity method, the investment is initially recognized at cost, and the carrying amount is adjusted </span><span class=\"S91E SA7 S2\" id=\"t1g_28\">subsequently for: </span><span class=\"S91F SA7 S2\" id=\"t1h_28\">- </span><span class=\"S920 S5B9 S2\" id=\"t1i_28\">the Group\u2019s share of the post</span><span class=\"S921 SA7 S2\" id=\"t1j_28\">-</span><span class=\"S922 S5B9 S2\" id=\"t1k_28\">acquisition profits or losses of the investee, which are recognized in the Group\u2019s </span><span class=\"S923 SA7 S2\" id=\"t1l_28\">Consolidated Statement of Profit or Loss; and </span><span class=\"S924 SA7 S2\" id=\"t1m_28\">- </span><span class=\"S925 SA7 S2\" id=\"t1n_28\">the distributions received from the investee, which reduce the carrying amount of the investment. </span><span class=\"S926 SB S2\" id=\"t5_29\">2.16.  Associates and other investments [continued] </span><span class=\"S927 S5B9 S2\" id=\"t6_29\">The Group\u2019s share of the profits or losses of the investee, or other changes in the investee\u2019s equi </span><span class=\"S928 SA7 S2\" id=\"t7_29\">ty, is determined </span><span class=\"S68A S5B9 S2\" id=\"t8_29\">on the basis of its proportionate ownership interest. The Group recognizes its share of the investee\u2019s income and </span><span class=\"S8F2 SA7 S2\" id=\"t9_29\">losses based on the percentage of the equity interest owned by the Group. </span><span class=\"S929 SA7 S2\" id=\"ta_29\">Gains and losses on the sale of investments are determined based on the specific identification of the cost of each </span><span class=\"S92A SA7 S2\" id=\"tb_29\">investment. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3472": {
   "value": "<span class=\"S916 SB S2\" id=\"t18_28\">2.16. </span><span class=\"S917 SB S2\" id=\"t19_28\">Associates and other investments </span><span class=\"S918 SA7 S2\" id=\"t1a_28\">Companies where the Bank has the ability to exercise significant influence are accounted for using the equity </span><span class=\"S919 SA7 S2\" id=\"t1b_28\">method. Subsidiaries and associated companies that were not accounted for using the equity method and other </span><span class=\"S91A SA7 S2\" id=\"t1c_28\">investments where the Bank does not hold a significant interest are recorded according to IFRS 9. When an </span><span class=\"S91B SA7 S2\" id=\"t1d_28\">investment in an associate is held indirectly through an entity that is a venture capital fund, the Group elects to </span><span class=\"S91C SA7 S2\" id=\"t1e_28\">measure these investments in the associate at fair value through profit or loss in accordance with IFRS 9. </span><span class=\"S91D SA7 S2\" id=\"t1f_28\">Under the equity method, the investment is initially recognized at cost, and the carrying amount is adjusted </span><span class=\"S91E SA7 S2\" id=\"t1g_28\">subsequently for: </span><span class=\"S91F SA7 S2\" id=\"t1h_28\">- </span><span class=\"S920 S5B9 S2\" id=\"t1i_28\">the Group\u2019s share of the post</span><span class=\"S921 SA7 S2\" id=\"t1j_28\">-</span><span class=\"S922 S5B9 S2\" id=\"t1k_28\">acquisition profits or losses of the investee, which are recognized in the Group\u2019s </span><span class=\"S923 SA7 S2\" id=\"t1l_28\">Consolidated Statement of Profit or Loss; and </span><span class=\"S924 SA7 S2\" id=\"t1m_28\">- </span><span class=\"S925 SA7 S2\" id=\"t1n_28\">the distributions received from the investee, which reduce the carrying amount of the investment. </span><span class=\"S926 SB S2\" id=\"t5_29\">2.16.  Associates and other investments [continued] </span><span class=\"S927 S5B9 S2\" id=\"t6_29\">The Group\u2019s share of the profits or losses of the investee, or other changes in the investee\u2019s equi </span><span class=\"S928 SA7 S2\" id=\"t7_29\">ty, is determined </span><span class=\"S68A S5B9 S2\" id=\"t8_29\">on the basis of its proportionate ownership interest. The Group recognizes its share of the investee\u2019s income and </span><span class=\"S8F2 SA7 S2\" id=\"t9_29\">losses based on the percentage of the equity interest owned by the Group. </span><span class=\"S929 SA7 S2\" id=\"ta_29\">Gains and losses on the sale of investments are determined based on the specific identification of the cost of each </span><span class=\"S92A SA7 S2\" id=\"tb_29\">investment. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3514": {
   "value": "<span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3515": {
   "value": "<span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3516": {
   "value": "<span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span><span class=\"S9DF SB S2\" id=\"tl_32\">2.22. Investment properties </span><span class=\"S9E0 SA7 S2\" id=\"tm_32\">Investment properties of the Group are land, buildings, part of buildings which held (as the owner or as the lessee </span><span class=\"S9E1 SA7 S2\" id=\"tn_32\">under a finance lease) to earn rentals or for capital appreciation or both, rather than for use in the production or </span><span class=\"S9E2 SA7 S2\" id=\"to_32\">supply of services or for administrative purposes or sale in the ordinary course of business. The Group measures </span><span class=\"S9E3 SA7 S2\" id=\"tp_32\">the investment properties at cost less accumulated depreciation and impairment, if any. </span><span class=\"S9E4 SA7 S2\" id=\"tq_32\">The depreciable amount (book value less residual value) of the investment properties must be allocated over their </span><span class=\"S9E5 SA7 S2\" id=\"tr_32\">useful lives. The depreciation and amortization are computed using the straight-line method over the estimated </span><span class=\"S9E6 SA7 S2\" id=\"ts_32\">useful lives of the assets. </span><span class=\"S9E7 SA7 S2\" id=\"tt_32\">The Group discloses the fair value of the investment properties in Note 14 established mainly by external experts. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3517": {
   "value": "<span class=\"S92B SB S2\" id=\"tc_29\">2.17. </span><span class=\"S92C SB S2\" id=\"td_29\">Property and equipment, Intangible assets </span><span class=\"S92D SA7 S2\" id=\"te_29\">Property and equipment and Intangible assets are measured at cost, less accumulated depreciation and amortization </span><span class=\"S7E3 SA7 S2\" id=\"tf_29\">and impairment, if any. </span><span class=\"S92E SA7 S2\" id=\"tg_29\">Internally generated intangibles, excluding capitalized development costs, are not capitalized </span><span class=\"S92F S5B9 S2\" id=\"th_29\">\u2013 </span><span class=\"S930 SA7 S2\" id=\"ti_29\">the related </span><span class=\"S931 SA7 S2\" id=\"tj_29\">expenditures are accounted as cost in the period in which they are incurred. Development costs are capitalized </span><span class=\"S932 SA7 S2\" id=\"tk_29\">only when the technical and commercial feasibility of the asset has been clearly demonstrated, the Group has the </span><span class=\"S933 SA7 S2\" id=\"tl_29\">intent and ability to complete the intangible asset and either use it or sell it and be able to demonstrate how the </span><span class=\"S934 SA7 S2\" id=\"tm_29\">asset will generate future economic benefits. Amortization of these type of assets begins when development is </span><span class=\"S935 SA7 S2\" id=\"tn_29\">completed, and the asset is available for use. During the period of development, the asset is tested for impairment </span><span class=\"S936 SA7 S2\" id=\"to_29\">annually. </span><span class=\"S937 SA7 S2\" id=\"tp_29\">The Group lists mainly self-developed software among internally generated intangible assets. </span><span class=\"S938 SA7 S2\" id=\"tq_29\">The depreciable amount (book value less residual value) of the non-current assets must be allocated over the useful </span><span class=\"S939 SA7 S2\" id=\"tr_29\">lives. </span><span class=\"S93A SA7 S2\" id=\"ts_29\">Depreciation and amortization are computed usually by using the straight-line method over the estimated useful </span><span class=\"S759 SA7 S2\" id=\"tt_29\">lives of the assets based on the following annual percentages: </span><span class=\"S93B SA7 S2\" id=\"tu_29\">Depreciation and amortization on Property and equipment and Intangible assets commence on the day such assets </span><span class=\"S93C SA7 S2\" id=\"tv_29\">are ready to use. </span><span class=\"S93D SA7 S2\" id=\"tw_29\">At each balance sheet date, the Group reviews the carrying value of its Property and equipment and Intangible </span><span class=\"S93E SA7 S2\" id=\"tx_29\">assets to determine if there is any indication that those assets have suffered an impairment loss. If any such </span><span class=\"S93F SA7 S2\" id=\"ty_29\">indication exists, the recoverable amount of the asset is estimated to determine the extent (if any) of the impairment </span><span class=\"S940 SA7 S2\" id=\"tz_29\">loss. </span><span class=\"S941 SA7 S2\" id=\"t10_29\">Where it is not possible to estimate the recoverable amount of an individual asset, the Group estimates the </span><span class=\"S942 SA7 S2\" id=\"t11_29\">recoverable amount of the cash-generating unit to which the asset belongs. </span><span class=\"S943 SA7 S2\" id=\"t12_29\">Where the carrying value of Property and equipment and Intangible assets is greater than the estimated recoverable </span><span class=\"S944 SA7 S2\" id=\"t13_29\">amount, it is impaired immediately to the estimated recoverable amount. </span><span class=\"S945 SA7 S2\" id=\"t14_29\">The Group may conclude contracts for purchasing property, equipment and intangible assets, where the purchase </span><span class=\"S946 SA7 S2\" id=\"t15_29\">price is settled in foreign currency. By entering into such agreements, firm commitment in foreign currency due </span><span class=\"S947 SA7 S2\" id=\"t16_29\">on a specified future date arises at the Group. </span><span class=\"S948 SA7 S2\" id=\"t17_29\">Reducing the foreign currency risk caused by firm commitment, forward foreign currency contracts may be </span><span class=\"S949 SA7 S2\" id=\"t18_29\">concluded to ensure the amount payable in foreign currency on a specified future date on one hand and to eliminate </span><span class=\"S94A SA7 S2\" id=\"t19_29\">the foreign currency risk arising until settlement date of the contract on the other hand. </span><span class=\"S94B SA7 S2\" id=\"t1a_29\">In the case of an effective hedge the realized profit or loss of the hedging instrument is stated as the part of the </span><span class=\"S94C SA7 S2\" id=\"t1b_29\">cost of the hedged asset as it has arisen until recognizing the asset. </span><span class=\"S94D SA7 S2\" id=\"t1c_29\">Annual </span><span class=\"S94E SA7 S2\" id=\"t1d_29\">percentages </span><span class=\"S94F SA7 S2\" id=\"t1e_29\">Useful life </span><span class=\"S950 SA7 S2\" id=\"t1f_29\">period (years) </span><span class=\"S951 SA7 S2\" id=\"t1g_29\">Intangible assets </span><span class=\"S952 SA7 S2\" id=\"t1h_29\">Software </span><span class=\"S953 SA7 S2\" id=\"t1i_29\">6.3% - 50.0% </span><span class=\"S954 SA7 S2\" id=\"t1j_29\">2 </span><span class=\"S955 S5B9 S2\" id=\"t1k_29\">\u2013 </span><span class=\"S956 SA7 S2\" id=\"t1l_29\">15 </span><span class=\"S957 SA7 S2\" id=\"t1m_29\">Property right </span><span class=\"S958 SA7 S2\" id=\"t1n_29\">16.7% - 33.3% </span><span class=\"S959 SA7 S2\" id=\"t1o_29\">3 </span><span class=\"S95A S5B9 S2\" id=\"t1p_29\">\u2013 </span><span class=\"S95B SA7 S2\" id=\"t1q_29\">6 </span><span class=\"S95C SA7 S2\" id=\"t1r_29\">Property </span><span class=\"S95D SA7 S2\" id=\"t1s_29\">1.0% - 50.0% </span><span class=\"S95E SA7 S2\" id=\"t1t_29\">2 </span><span class=\"S95F S5B9 S2\" id=\"t1u_29\">\u2013 </span><span class=\"S960 SA7 S2\" id=\"t1v_29\">100 </span><span class=\"S961 SA7 S2\" id=\"t1w_29\">Machinery and office equipment </span><span class=\"S962 SA7 S2\" id=\"t1x_29\">3.3% - 50.0% </span><span class=\"S963 SA7 S2\" id=\"t1y_29\">2 </span><span class=\"S964 S5B9 S2\" id=\"t1z_29\">\u2013 </span><span class=\"S965 SA7 S2\" id=\"t20_29\">30 </span><span class=\"S966 SA7 S2\" id=\"t21_29\">Vehicle </span><span class=\"S967 SA7 S2\" id=\"t22_29\">3.0% - 33.3% </span><span class=\"S968 SA7 S2\" id=\"t23_29\">3 </span><span class=\"S969 S5B9 S2\" id=\"t24_29\">\u2013 </span><span class=\"S96A SA7 S2\" id=\"t25_29\">33 </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3595": {
   "value": "<span class=\"S96B SB S2\" id=\"t5_30\">2.18. Inventories </span><span class=\"S96C SA7 S2\" id=\"t6_30\">Inventories are measured at the lower of cost and net realisable value. The cost of inventories comprises all costs </span><span class=\"S96D SA7 S2\" id=\"t7_30\">of purchase, costs of conversion and other costs incurred in bringing the inventories to their present location and </span><span class=\"S96E SA7 S2\" id=\"t8_30\">condition. </span><span class=\"S5C0 SA7 S2\" id=\"t9_30\">The Group uses generally FIFO formulas to the measurement of inventories. </span><span class=\"S96F SA7 S2\" id=\"ta_30\">Inventories are removed from books when they are sold, unusable or destroyed. When inventories are sold, the </span><span class=\"S970 SA7 S2\" id=\"tb_30\">carrying amount of those inventories are recognized as an expense in the period in which the related revenue is </span><span class=\"S971 SA7 S2\" id=\"tc_30\">recognized. </span><span class=\"S972 SA7 S2\" id=\"td_30\">Repossessed assets are classified as inventories. The Group's policy is to sell repossessed assets and not to use </span><span class=\"S973 SA7 S2\" id=\"te_30\">them for its internal operations. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForMeasuringInventories",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3606": {
   "value": "<span class=\"S974 SB S2\" id=\"tf_30\">2.19.  Government grants and government assistance </span><span class=\"S975 SA7 S2\" id=\"tg_30\">The Group recognise government grants only when there is a reasonable assurance that the grant will be received, </span><span class=\"S976 SA7 S2\" id=\"th_30\">and all attached conditions will be complied with. </span><span class=\"S977 SA7 S2\" id=\"ti_30\">The Group presents grants relating to assets as deferred income in the Consolidated Statement of Financial </span><span class=\"S978 SA7 S2\" id=\"tj_30\">Position, which is recognized in profit or loss on a systematic basis over the useful life of the asset. </span><span class=\"S979 SA7 S2\" id=\"tk_30\">Grants related to an expense item are recorded as another operating income in those periods when the related costs </span><span class=\"S97A SA7 S2\" id=\"tl_30\">were recognized. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGovernmentGrants",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3617": {
   "value": "<span class=\"S97B SB S2\" id=\"tm_30\">2.20. Financial liabilities </span><span class=\"S97C SA7 S2\" id=\"tn_30\">The financial liabilities are presented within these lines in the Consolidated Financial Statements: </span><span class=\"S97D SA7 S2\" id=\"to_30\">- </span><span class=\"S97E SA7 S2\" id=\"tp_30\">Amount due to banks, the National Governments, deposits from the National Banks and other banks </span><span class=\"S97F SA7 S2\" id=\"tq_30\">- </span><span class=\"S980 SA7 S2\" id=\"tr_30\">Repo liabilities </span><span class=\"S981 SA7 S2\" id=\"ts_30\">- </span><span class=\"S982 SA7 S2\" id=\"tt_30\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S983 SA7 S2\" id=\"tu_30\">- </span><span class=\"S984 SA7 S2\" id=\"tv_30\">Deposits from customers </span><span class=\"S985 SA7 S2\" id=\"tw_30\">- </span><span class=\"S986 SA7 S2\" id=\"tx_30\">Liabilities from issued securities </span><span class=\"S987 SA7 S2\" id=\"ty_30\">- </span><span class=\"S988 SA7 S2\" id=\"tz_30\">Derivative financial liabilities held for trading </span><span class=\"S989 SA7 S2\" id=\"t10_30\">- </span><span class=\"S98A SA7 S2\" id=\"t11_30\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S98B SA7 S2\" id=\"t12_30\">- </span><span class=\"S98C SA7 S2\" id=\"t13_30\">Other financial liabilities </span><span class=\"S98D SA7 S2\" id=\"t14_30\">At initial recognition, the Group measures financial liabilities at fair value plus or minus </span><span class=\"S98E S5B9 S2\" id=\"t15_30\">\u2013 </span><span class=\"S98F SA7 S2\" id=\"t16_30\">in the case of a financial </span><span class=\"S990 SA7 S2\" id=\"t17_30\">liability not at fair value through profit or loss </span><span class=\"S991 S5B9 S2\" id=\"t18_30\">\u2013 </span><span class=\"S992 SA7 S2\" id=\"t19_30\">transaction costs that are directly attributable to the acquisition or </span><span class=\"S993 SA7 S2\" id=\"t1a_30\">issue of the financial liability. </span><span class=\"S994 SA7 S2\" id=\"t1b_30\">Usually, the initial fair value of financial liabilities equals to transaction value. However, when the amounts are </span><span class=\"S995 SA7 S2\" id=\"t1c_30\">not equal, the initial fair value difference should be recognized. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span><span class=\"S99B SA7 S2\" id=\"t1i_30\">Financial liabilities at fair value through profit or loss are either financial liabilities held for trading or they are </span><span class=\"S99C SA7 S2\" id=\"t1j_30\">designated upon initial recognition as at fair value through profit or loss. </span><span class=\"S99D SA7 S2\" id=\"t1k_30\">In connection to the derivative financial liabilities measured at fair value through profit or loss, the Group presents </span><span class=\"S99E SA7 S2\" id=\"t1l_30\">the amount of change in their fair value originated from the changes of market conditions and business </span><span class=\"S99F SA7 S2\" id=\"t1m_30\">environment. </span><span class=\"S9A0 SA7 S2\" id=\"t1n_30\">The Group designated some financial liabilities upon initial recognition to measure at fair value through profit or </span><span class=\"S9A1 SA7 S2\" id=\"t1o_30\">loss. This classification eliminates or significantly reduces a measurement or recognition inconsistency that would </span><span class=\"S9A2 SA7 S2\" id=\"t1p_30\">otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases </span><span class=\"S9A3 S5B9 S2\" id=\"t1q_30\">(\u201caccounting mismatch\u201d). </span><span class=\"S9A4 SA7 S2\" id=\"t1r_30\">The changes in fair value of these liabilities are recognized in profit or loss, except the </span><span class=\"S9A5 SA7 S2\" id=\"t1s_30\">fair value changes attributable to credit risk which are recognized among other comprehensive income. </span><span class=\"S7D9 SB S2\" id=\"t5_31\">2.20. </span><span class=\"S9A7 SB S2\" id=\"t6_31\">Financial liabilities [continued] </span><span class=\"S9A8 SA7 S2\" id=\"t7_31\">In the case of financial liabilities measured at amortized cost fees and commissions related to the origination of </span><span class=\"S9A9 SA7 S2\" id=\"t8_31\">the financial liability are recognized through profit or loss during the maturity of the instrument using effective </span><span class=\"S9AA SA7 S2\" id=\"t9_31\">interest method. In certain cases, the Group repurchases a part of financial liabilities (mainly issued securities or </span><span class=\"S9AB SA7 S2\" id=\"ta_31\">subordinated bonds) and the difference between the carrying amount of the financial liability and the amount paid </span><span class=\"S9AC SA7 S2\" id=\"tb_31\">for it is recognized in the net profit or loss for the period and included in other operating income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3618": {
   "value": "<span class=\"S97B SB S2\" id=\"tm_30\">2.20. Financial liabilities </span><span class=\"S97C SA7 S2\" id=\"tn_30\">The financial liabilities are presented within these lines in the Consolidated Financial Statements: </span><span class=\"S97D SA7 S2\" id=\"to_30\">- </span><span class=\"S97E SA7 S2\" id=\"tp_30\">Amount due to banks, the National Governments, deposits from the National Banks and other banks </span><span class=\"S97F SA7 S2\" id=\"tq_30\">- </span><span class=\"S980 SA7 S2\" id=\"tr_30\">Repo liabilities </span><span class=\"S981 SA7 S2\" id=\"ts_30\">- </span><span class=\"S982 SA7 S2\" id=\"tt_30\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S983 SA7 S2\" id=\"tu_30\">- </span><span class=\"S984 SA7 S2\" id=\"tv_30\">Deposits from customers </span><span class=\"S985 SA7 S2\" id=\"tw_30\">- </span><span class=\"S986 SA7 S2\" id=\"tx_30\">Liabilities from issued securities </span><span class=\"S987 SA7 S2\" id=\"ty_30\">- </span><span class=\"S988 SA7 S2\" id=\"tz_30\">Derivative financial liabilities held for trading </span><span class=\"S989 SA7 S2\" id=\"t10_30\">- </span><span class=\"S98A SA7 S2\" id=\"t11_30\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S98B SA7 S2\" id=\"t12_30\">- </span><span class=\"S98C SA7 S2\" id=\"t13_30\">Other financial liabilities </span><span class=\"S98D SA7 S2\" id=\"t14_30\">At initial recognition, the Group measures financial liabilities at fair value plus or minus </span><span class=\"S98E S5B9 S2\" id=\"t15_30\">\u2013 </span><span class=\"S98F SA7 S2\" id=\"t16_30\">in the case of a financial </span><span class=\"S990 SA7 S2\" id=\"t17_30\">liability not at fair value through profit or loss </span><span class=\"S991 S5B9 S2\" id=\"t18_30\">\u2013 </span><span class=\"S992 SA7 S2\" id=\"t19_30\">transaction costs that are directly attributable to the acquisition or </span><span class=\"S993 SA7 S2\" id=\"t1a_30\">issue of the financial liability. </span><span class=\"S994 SA7 S2\" id=\"t1b_30\">Usually, the initial fair value of financial liabilities equals to transaction value. However, when the amounts are </span><span class=\"S995 SA7 S2\" id=\"t1c_30\">not equal, the initial fair value difference should be recognized. </span><span class=\"S996 SA7 S2\" id=\"t1d_30\">If the fair value of financial liabilities is based on a valuation technique using only inputs observable in market </span><span class=\"S997 SA7 S2\" id=\"t1e_30\">transactions, the Group recognizes the initial fair value difference in the Consolidated Statement of Profit or Loss. </span><span class=\"S998 SA7 S2\" id=\"t1f_30\">When the fair value of financial liabilities is based on models for which inputs are not observable, the difference </span><span class=\"S999 SA7 S2\" id=\"t1g_30\">between the transaction price and the fair value is deferred and only recognized in profit or loss when the </span><span class=\"S99A SA7 S2\" id=\"t1h_30\">instrument is derecognized or the inputs became observable. </span><span class=\"S99B SA7 S2\" id=\"t1i_30\">Financial liabilities at fair value through profit or loss are either financial liabilities held for trading or they are </span><span class=\"S99C SA7 S2\" id=\"t1j_30\">designated upon initial recognition as at fair value through profit or loss. </span><span class=\"S99D SA7 S2\" id=\"t1k_30\">In connection to the derivative financial liabilities measured at fair value through profit or loss, the Group presents </span><span class=\"S99E SA7 S2\" id=\"t1l_30\">the amount of change in their fair value originated from the changes of market conditions and business </span><span class=\"S99F SA7 S2\" id=\"t1m_30\">environment. </span><span class=\"S9A0 SA7 S2\" id=\"t1n_30\">The Group designated some financial liabilities upon initial recognition to measure at fair value through profit or </span><span class=\"S9A1 SA7 S2\" id=\"t1o_30\">loss. This classification eliminates or significantly reduces a measurement or recognition inconsistency that would </span><span class=\"S9A2 SA7 S2\" id=\"t1p_30\">otherwise arise from measuring assets or liabilities or recognising the gains and losses on them on different bases </span><span class=\"S9A3 S5B9 S2\" id=\"t1q_30\">(\u201caccounting mismatch\u201d). </span><span class=\"S9A4 SA7 S2\" id=\"t1r_30\">The changes in fair value of these liabilities are recognized in profit or loss, except the </span><span class=\"S9A5 SA7 S2\" id=\"t1s_30\">fair value changes attributable to credit risk which are recognized among other comprehensive income. </span><span class=\"S7D9 SB S2\" id=\"t5_31\">2.20. </span><span class=\"S9A7 SB S2\" id=\"t6_31\">Financial liabilities [continued] </span><span class=\"S9A8 SA7 S2\" id=\"t7_31\">In the case of financial liabilities measured at amortized cost fees and commissions related to the origination of </span><span class=\"S9A9 SA7 S2\" id=\"t8_31\">the financial liability are recognized through profit or loss during the maturity of the instrument using effective </span><span class=\"S9AA SA7 S2\" id=\"t9_31\">interest method. In certain cases, the Group repurchases a part of financial liabilities (mainly issued securities or </span><span class=\"S9AB SA7 S2\" id=\"ta_31\">subordinated bonds) and the difference between the carrying amount of the financial liability and the amount paid </span><span class=\"S9AC SA7 S2\" id=\"tb_31\">for it is recognized in the net profit or loss for the period and included in other operating income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3686": {
   "value": "<span class=\"S9AD SB S2\" id=\"tc_31\">2.21. Leases </span><span class=\"S9AE SB S2\" id=\"td_31\">The Group as a lessor </span><span class=\"S9AF SA7 S2\" id=\"te_31\">Leases are classified as finance leases whenever the terms of the lease transfer substantially all the risks and </span><span class=\"S9B0 SA7 S2\" id=\"tf_31\">rewards of ownership to the lessee. All other leases are classified as operating leases. Lease classification is made </span><span class=\"S877 SA7 S2\" id=\"tg_31\">at the inception date and is reassessed only if there is a lease modification. </span><span class=\"S9B1 SB S2\" id=\"th_31\">Finance leases </span><span class=\"S9B2 SA7 S2\" id=\"ti_31\">At the commencement date, a lessor derecognizes the assets held under a finance lease in the Consolidated </span><span class=\"S9B3 SA7 S2\" id=\"tj_31\">Statement of Financial Position and present them as a receivable at an amount equal to the net investment in the </span><span class=\"S9B4 SA7 S2\" id=\"tk_31\">lease. The lessor shall use the interest rate implicit in the lease to measure the net investment in the lease. Direct </span><span class=\"S9B5 SA7 S2\" id=\"tl_31\">costs such as commissions are included in the initial measurement of the finance lease receivables. </span><span class=\"S9B6 SA7 S2\" id=\"tm_31\">The Group as a lessor recognizes finance income over the lease term, based on a pattern reflecting a constant </span><span class=\"S9B7 S5B9 S2\" id=\"tn_31\">periodic rate of return on the Group\u2019s net investment in the lease. The Group applies the lease payments relating </span><span class=\"S9B8 SA7 S2\" id=\"to_31\">to the period against the gross investment in the lease to reduce both the principal and the unearned finance income. </span><span class=\"S9B9 SA7 S2\" id=\"tp_31\">The Group applies the derecognition and impairment requirements in IFRS 9 to the net investment in the lease (for </span><span class=\"S9BA SA7 S2\" id=\"tq_31\">more details, see Note 2.14.). </span><span class=\"S9BB SB S2\" id=\"tr_31\">Operating leases </span><span class=\"S9BC SA7 S2\" id=\"ts_31\">The Group as a lessor recognizes lease payments from operating leases as income on either a straight-line basis or </span><span class=\"S9BD SA7 S2\" id=\"tt_31\">another systematic basis. </span><span class=\"S9BE SA7 S2\" id=\"tu_31\">Costs, including depreciation, incurred in earning the lease income are recognized as an </span><span class=\"S9BF SA7 S2\" id=\"tv_31\">expense. </span><span class=\"S9C0 SA7 S2\" id=\"tw_31\">Initial direct costs incurred in obtaining an operating lease are added to the carrying amount of the underlying asset </span><span class=\"S9C1 SA7 S2\" id=\"tx_31\">and recognized as an expense over the lease term on the same basis as the lease income. </span><span class=\"S9C2 S5B9 S2\" id=\"ty_31\">The depreciation policy for depreciable underlying assets subject to operating leases is consistent with the Group\u2019s </span><span class=\"S9C3 SA7 S2\" id=\"tz_31\">normal depreciation policy for similar assets. The Group accounts for a modification to an operating lease as a </span><span class=\"S9C4 SA7 S2\" id=\"t10_31\">new lease from the effective date of the modification, considering any prepaid or accrued lease payments relating </span><span class=\"S9C5 SA7 S2\" id=\"t11_31\">to the original lease as part of the lease payments for the new lease. </span><span class=\"S9C6 SB S2\" id=\"t12_31\">The Group as a  lessee </span><span class=\"S9C7 SA7 S2\" id=\"t13_31\">The Group recognizes a right-of-use asset and a lease liability at the commencement of the lease term except for </span><span class=\"S9C8 SA7 S2\" id=\"t14_31\">short-term leases and leases, where the underlying asset is of low value (less than USD 5,000). For these leases, </span><span class=\"S9C9 SA7 S2\" id=\"t15_31\">the Group recognizes the lease payments as an expense on either a straight-line basis over the lease term or another </span><span class=\"S9CA S5B9 S2\" id=\"t16_31\">systematic basis if that basis is more representative of the pattern of the lessee\u2019s benefit. </span><span class=\"S9CB SA7 S2\" id=\"t17_31\">Deferred tax implication if the Group is lessee: At the inception of the lease, there is no net lease asset or liability, </span><span class=\"S9CC SA7 S2\" id=\"t18_31\">no tax base and, therefore, no temporary difference. Subsequently, as depreciation on the right-of-use asset initially </span><span class=\"S9CD SA7 S2\" id=\"t19_31\">exceeds the rate at which the debt reduces, a net liability arises resulting in a deductible temporary difference on </span><span class=\"S9CE SA7 S2\" id=\"t1a_31\">which a deferred tax asset should be recognized if recoverable. Assuming that the lease liability is not repaid in </span><span class=\"S9CF SA7 S2\" id=\"t1b_31\">advance, the total discounted cash outflows should equal the total rental payments deductible for income tax </span><span class=\"S9D0 SA7 S2\" id=\"t1c_31\">purposes. </span><span class=\"S9D1 SB S2\" id=\"t5_32\">2.21.  Leases [continued] </span><span class=\"S7A5 SB S2\" id=\"t6_32\">Right-of-use asset </span><span class=\"S9D2 SA7 S2\" id=\"t7_32\">The right-of-use assets are presented separately in the Consolidated Statement of Financial Position and initially </span><span class=\"S9D3 SA7 S2\" id=\"t8_32\">measured at cost, subsequently the Group applies the cost model and these assets are depreciated on a straight line </span><span class=\"S9D4 SA7 S2\" id=\"t9_32\">basis from the commencement date to the earlier of the end of the useful life of the right-of-use asset or the end of </span><span class=\"S9D5 SA7 S2\" id=\"ta_32\">the lease term. If the lease transfers ownership of the underlying asset to the Group by the end of the lease term or </span><span class=\"S9D6 SA7 S2\" id=\"tb_32\">if the cost of the right-of-use asset reflects that the Group will exercise a purchase option, the right-of-use asset </span><span class=\"S5C3 SA7 S2\" id=\"tc_32\">are depreciated from the commencement date to the end of the useful life of the underlying asset. </span><span class=\"S9D7 SB S2\" id=\"td_32\">Lease liability </span><span class=\"S9D8 SA7 S2\" id=\"te_32\">At the commencement date, the lease liability is measured at the present value of the lease payments that are not </span><span class=\"S9D9 SA7 S2\" id=\"tf_32\">paid at that date discounted by using the rate implicit in the lease, or if this cannot be determined, by using the </span><span class=\"S9DA SA7 S2\" id=\"tg_32\">incremental borrowing rate of the Group.Variable lease payments that do not depend on an index or a rate but e.g. </span><span class=\"S9DB SA7 S2\" id=\"th_32\">on revenues or usage are recognized as an expense. The Group always separates the non-lease components of the </span><span class=\"S9DC SA7 S2\" id=\"ti_32\">lease contracts and accounts them as an expense. Lease payments must be included in the measurement of the </span><span class=\"S9DD SA7 S2\" id=\"tj_32\">lease liability without value added taxes. Non-deductible VAT is recognized as other expense. </span><span class=\"S9DE SA7 S2\" id=\"tk_32\">The lease liability is remeasured in the event of a reassessment of the lease liability or lease modification </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3755": {
   "value": "<span class=\"S9DF SB S2\" id=\"tl_32\">2.22. Investment properties </span><span class=\"S9E0 SA7 S2\" id=\"tm_32\">Investment properties of the Group are land, buildings, part of buildings which held (as the owner or as the lessee </span><span class=\"S9E1 SA7 S2\" id=\"tn_32\">under a finance lease) to earn rentals or for capital appreciation or both, rather than for use in the production or </span><span class=\"S9E2 SA7 S2\" id=\"to_32\">supply of services or for administrative purposes or sale in the ordinary course of business. The Group measures </span><span class=\"S9E3 SA7 S2\" id=\"tp_32\">the investment properties at cost less accumulated depreciation and impairment, if any. </span><span class=\"S9E4 SA7 S2\" id=\"tq_32\">The depreciable amount (book value less residual value) of the investment properties must be allocated over their </span><span class=\"S9E5 SA7 S2\" id=\"tr_32\">useful lives. The depreciation and amortization are computed using the straight-line method over the estimated </span><span class=\"S9E6 SA7 S2\" id=\"ts_32\">useful lives of the assets. </span><span class=\"S9E7 SA7 S2\" id=\"tt_32\">The Group discloses the fair value of the investment properties in Note 14 established mainly by external experts. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3765": {
   "value": "<span class=\"S9E8 SB S2\" id=\"tu_32\">2.23. Share capital </span><span class=\"S9E9 SA7 S2\" id=\"tv_32\">Share capital is the capital determined in the Articles of Association and registered by the Budapest-Capital </span><span class=\"S9EA SA7 S2\" id=\"tw_32\">Regional Court. Share capital is the capital the Bank raised by issuing common stocks at the date the shares were </span><span class=\"S9EB SA7 S2\" id=\"tx_32\">issued. The amount of share capital has not changed over the current period. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3770": {
   "value": "<span class=\"S9EC SB S2\" id=\"ty_32\">2.24. Treasury shares </span><span class=\"S9ED SA7 S2\" id=\"tz_32\">Treasury shares are shares which are purchased on the stock exchange and the over-the-counter market by the </span><span class=\"S9EE SA7 S2\" id=\"t10_32\">Bank and its subsidiaries and are presented in the Consolidated Statement of Financial Position at cost as a </span><span class=\"S9EF SA7 S2\" id=\"t11_32\">ded</span><span class=\"S9F0 S5B9 S2\" id=\"t12_32\">uction from Consolidated Shareholders\u2019 Equity. </span><span class=\"S9F1 S5B9 S2\" id=\"t13_32\">Gains and losses on the sale of treasury shares are credited or charged directly to shareholder\u2019s equity. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3788": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_33\">2.25. </span><span class=\"S9F2 SB S2\" id=\"t6_33\">Non-current assets held-for-sale and discontinued operations </span><span class=\"S9F3 SA7 S2\" id=\"t7_33\">A discontinued operation is a component of an entity that either has been disposed of or is classified as held-for- </span><span class=\"S9F4 SA7 S2\" id=\"t8_33\">sale. Hereinafter non-current assets classified as held-for-sale, disposal group and discontinued operations are </span><span class=\"S7A6 SA7 S2\" id=\"t9_33\">referred to as assets in accordance with IFRS 5. </span><span class=\"S9F5 SA7 S2\" id=\"ta_33\">The Group classifies assets under IFRS 5 if their carrying amount will be recovered principally through a sale </span><span class=\"S9F6 SA7 S2\" id=\"tb_33\">transaction rather than through continuing use. The Group does not account for an asset under IFRS 5 that has </span><span class=\"S9F7 SA7 S2\" id=\"tc_33\">been temporarily taken out of use as if it had been abandoned. </span><span class=\"S9F8 SA7 S2\" id=\"td_33\">The Group measures an asset under IFRS 5 at the lower of its carrying amount and fair value less costs to sell. </span><span class=\"S9F9 SA7 S2\" id=\"te_33\">When the sale is expected to occur beyond one year, the Group measures the costs to sell at their present value. </span><span class=\"S9FA SA7 S2\" id=\"tf_33\">Any increase in the present value of the costs to sell that arises from the passage of time shall be presented in profit </span><span class=\"S9FB SA7 S2\" id=\"tg_33\">or loss. Immediately before the initial classification of the asset under IFRS 5, the carrying amounts of the asset </span><span class=\"S9FC SA7 S2\" id=\"th_33\">(or all the assets and liabilities in the group) are measured in accordance with applicable IFRS. </span><span class=\"S9FD SA7 S2\" id=\"ti_33\">The Group does not depreciate (or amortize) an asset under IFRS 5 while it is classified as asset in accordance </span><span class=\"S9FE SA7 S2\" id=\"tj_33\">with IFRS 5. Interest and other expenses attributable to the liabilities of the asset under IFRS 5 shall continue to </span><span class=\"S9FF SA7 S2\" id=\"tk_33\">be recognized. </span><span class=\"SA00 SA7 S2\" id=\"tl_33\">If the Group has classified an asset under IFRS 5, but the criteria for that are no longer met, the Group ceases to </span><span class=\"SA01 SA7 S2\" id=\"tm_33\">classify the asset under IFRS 5. The Group measures these assets which cease to be classified as asset under IFRS </span><span class=\"SA02 SA7 S2\" id=\"tn_33\">5 at the lower of: </span><span class=\"SA03 SA7 S2\" id=\"to_33\">- its carrying amount before the asset was classified as asset under IFRS 5, adjusted for any depreciation, </span><span class=\"SA04 SA7 S2\" id=\"tp_33\">amortisation or revaluations that would have been recognized had the asset not been classified as asset under </span><span class=\"SA05 SA7 S2\" id=\"tq_33\">IFRS 5, and </span><span class=\"SA06 SA7 S2\" id=\"tr_33\">- its recoverable amount at the date of the subsequent decision not to sell. </span><span class=\"SA07 SA7 S2\" id=\"ts_33\">The Group presents an asset classified as asset under IFRS 5 separately from other assets in the Consolidated </span><span class=\"SA08 SA7 S2\" id=\"tt_33\">Statement of Financial Position. The liabilities of the asset under IFRS 5 are presented separately from other </span><span class=\"SA09 SA7 S2\" id=\"tu_33\">liabilities in the Consolidated Statement of Financial Position. Those assets and liabilities shall not be offset and </span><span class=\"SA0A SA7 S2\" id=\"tv_33\">presented as a single amount. The major classes of assets and liabilities classified as held for sale or discontinued </span><span class=\"SA0B SA7 S2\" id=\"tw_33\">operations are separately disclosed in the Notes. </span><span class=\"SA0C SA7 S2\" id=\"tx_33\">The Group presents separately any cumulative income or expense recognized in other comprehensive income </span><span class=\"SA0D SA7 S2\" id=\"ty_33\">relating to a non-current asset (or disposal group) classified as held for sale. Results from discontinued operations </span><span class=\"SA0E SA7 S2\" id=\"tz_33\">are reported separately in the Consolidated Statement of Profit or Loss as result from discontinued operations. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3789": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_33\">2.25. </span><span class=\"S9F2 SB S2\" id=\"t6_33\">Non-current assets held-for-sale and discontinued operations </span><span class=\"S9F3 SA7 S2\" id=\"t7_33\">A discontinued operation is a component of an entity that either has been disposed of or is classified as held-for- </span><span class=\"S9F4 SA7 S2\" id=\"t8_33\">sale. Hereinafter non-current assets classified as held-for-sale, disposal group and discontinued operations are </span><span class=\"S7A6 SA7 S2\" id=\"t9_33\">referred to as assets in accordance with IFRS 5. </span><span class=\"S9F5 SA7 S2\" id=\"ta_33\">The Group classifies assets under IFRS 5 if their carrying amount will be recovered principally through a sale </span><span class=\"S9F6 SA7 S2\" id=\"tb_33\">transaction rather than through continuing use. The Group does not account for an asset under IFRS 5 that has </span><span class=\"S9F7 SA7 S2\" id=\"tc_33\">been temporarily taken out of use as if it had been abandoned. </span><span class=\"S9F8 SA7 S2\" id=\"td_33\">The Group measures an asset under IFRS 5 at the lower of its carrying amount and fair value less costs to sell. </span><span class=\"S9F9 SA7 S2\" id=\"te_33\">When the sale is expected to occur beyond one year, the Group measures the costs to sell at their present value. </span><span class=\"S9FA SA7 S2\" id=\"tf_33\">Any increase in the present value of the costs to sell that arises from the passage of time shall be presented in profit </span><span class=\"S9FB SA7 S2\" id=\"tg_33\">or loss. Immediately before the initial classification of the asset under IFRS 5, the carrying amounts of the asset </span><span class=\"S9FC SA7 S2\" id=\"th_33\">(or all the assets and liabilities in the group) are measured in accordance with applicable IFRS. </span><span class=\"S9FD SA7 S2\" id=\"ti_33\">The Group does not depreciate (or amortize) an asset under IFRS 5 while it is classified as asset in accordance </span><span class=\"S9FE SA7 S2\" id=\"tj_33\">with IFRS 5. Interest and other expenses attributable to the liabilities of the asset under IFRS 5 shall continue to </span><span class=\"S9FF SA7 S2\" id=\"tk_33\">be recognized. </span><span class=\"SA00 SA7 S2\" id=\"tl_33\">If the Group has classified an asset under IFRS 5, but the criteria for that are no longer met, the Group ceases to </span><span class=\"SA01 SA7 S2\" id=\"tm_33\">classify the asset under IFRS 5. The Group measures these assets which cease to be classified as asset under IFRS </span><span class=\"SA02 SA7 S2\" id=\"tn_33\">5 at the lower of: </span><span class=\"SA03 SA7 S2\" id=\"to_33\">- its carrying amount before the asset was classified as asset under IFRS 5, adjusted for any depreciation, </span><span class=\"SA04 SA7 S2\" id=\"tp_33\">amortisation or revaluations that would have been recognized had the asset not been classified as asset under </span><span class=\"SA05 SA7 S2\" id=\"tq_33\">IFRS 5, and </span><span class=\"SA06 SA7 S2\" id=\"tr_33\">- its recoverable amount at the date of the subsequent decision not to sell. </span><span class=\"SA07 SA7 S2\" id=\"ts_33\">The Group presents an asset classified as asset under IFRS 5 separately from other assets in the Consolidated </span><span class=\"SA08 SA7 S2\" id=\"tt_33\">Statement of Financial Position. The liabilities of the asset under IFRS 5 are presented separately from other </span><span class=\"SA09 SA7 S2\" id=\"tu_33\">liabilities in the Consolidated Statement of Financial Position. Those assets and liabilities shall not be offset and </span><span class=\"SA0A SA7 S2\" id=\"tv_33\">presented as a single amount. The major classes of assets and liabilities classified as held for sale or discontinued </span><span class=\"SA0B SA7 S2\" id=\"tw_33\">operations are separately disclosed in the Notes. </span><span class=\"SA0C SA7 S2\" id=\"tx_33\">The Group presents separately any cumulative income or expense recognized in other comprehensive income </span><span class=\"SA0D SA7 S2\" id=\"ty_33\">relating to a non-current asset (or disposal group) classified as held for sale. Results from discontinued operations </span><span class=\"SA0E SA7 S2\" id=\"tz_33\">are reported separately in the Consolidated Statement of Profit or Loss as result from discontinued operations. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3790": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_33\">2.25. </span><span class=\"S9F2 SB S2\" id=\"t6_33\">Non-current assets held-for-sale and discontinued operations </span><span class=\"S9F3 SA7 S2\" id=\"t7_33\">A discontinued operation is a component of an entity that either has been disposed of or is classified as held-for- </span><span class=\"S9F4 SA7 S2\" id=\"t8_33\">sale. Hereinafter non-current assets classified as held-for-sale, disposal group and discontinued operations are </span><span class=\"S7A6 SA7 S2\" id=\"t9_33\">referred to as assets in accordance with IFRS 5. </span><span class=\"S9F5 SA7 S2\" id=\"ta_33\">The Group classifies assets under IFRS 5 if their carrying amount will be recovered principally through a sale </span><span class=\"S9F6 SA7 S2\" id=\"tb_33\">transaction rather than through continuing use. The Group does not account for an asset under IFRS 5 that has </span><span class=\"S9F7 SA7 S2\" id=\"tc_33\">been temporarily taken out of use as if it had been abandoned. </span><span class=\"S9F8 SA7 S2\" id=\"td_33\">The Group measures an asset under IFRS 5 at the lower of its carrying amount and fair value less costs to sell. </span><span class=\"S9F9 SA7 S2\" id=\"te_33\">When the sale is expected to occur beyond one year, the Group measures the costs to sell at their present value. </span><span class=\"S9FA SA7 S2\" id=\"tf_33\">Any increase in the present value of the costs to sell that arises from the passage of time shall be presented in profit </span><span class=\"S9FB SA7 S2\" id=\"tg_33\">or loss. Immediately before the initial classification of the asset under IFRS 5, the carrying amounts of the asset </span><span class=\"S9FC SA7 S2\" id=\"th_33\">(or all the assets and liabilities in the group) are measured in accordance with applicable IFRS. </span><span class=\"S9FD SA7 S2\" id=\"ti_33\">The Group does not depreciate (or amortize) an asset under IFRS 5 while it is classified as asset in accordance </span><span class=\"S9FE SA7 S2\" id=\"tj_33\">with IFRS 5. Interest and other expenses attributable to the liabilities of the asset under IFRS 5 shall continue to </span><span class=\"S9FF SA7 S2\" id=\"tk_33\">be recognized. </span><span class=\"SA00 SA7 S2\" id=\"tl_33\">If the Group has classified an asset under IFRS 5, but the criteria for that are no longer met, the Group ceases to </span><span class=\"SA01 SA7 S2\" id=\"tm_33\">classify the asset under IFRS 5. The Group measures these assets which cease to be classified as asset under IFRS </span><span class=\"SA02 SA7 S2\" id=\"tn_33\">5 at the lower of: </span><span class=\"SA03 SA7 S2\" id=\"to_33\">- its carrying amount before the asset was classified as asset under IFRS 5, adjusted for any depreciation, </span><span class=\"SA04 SA7 S2\" id=\"tp_33\">amortisation or revaluations that would have been recognized had the asset not been classified as asset under </span><span class=\"SA05 SA7 S2\" id=\"tq_33\">IFRS 5, and </span><span class=\"SA06 SA7 S2\" id=\"tr_33\">- its recoverable amount at the date of the subsequent decision not to sell. </span><span class=\"SA07 SA7 S2\" id=\"ts_33\">The Group presents an asset classified as asset under IFRS 5 separately from other assets in the Consolidated </span><span class=\"SA08 SA7 S2\" id=\"tt_33\">Statement of Financial Position. The liabilities of the asset under IFRS 5 are presented separately from other </span><span class=\"SA09 SA7 S2\" id=\"tu_33\">liabilities in the Consolidated Statement of Financial Position. Those assets and liabilities shall not be offset and </span><span class=\"SA0A SA7 S2\" id=\"tv_33\">presented as a single amount. The major classes of assets and liabilities classified as held for sale or discontinued </span><span class=\"SA0B SA7 S2\" id=\"tw_33\">operations are separately disclosed in the Notes. </span><span class=\"SA0C SA7 S2\" id=\"tx_33\">The Group presents separately any cumulative income or expense recognized in other comprehensive income </span><span class=\"SA0D SA7 S2\" id=\"ty_33\">relating to a non-current asset (or disposal group) classified as held for sale. Results from discontinued operations </span><span class=\"SA0E SA7 S2\" id=\"tz_33\">are reported separately in the Consolidated Statement of Profit or Loss as result from discontinued operations. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3822": {
   "value": "<span class=\"SA0F SB S2\" id=\"t10_33\">2.26. </span><span class=\"SA10 SB S2\" id=\"t11_33\">Interest income and income similar to interest income and interest expense </span><span class=\"SA11 SA7 S2\" id=\"t12_33\">Interest income and expense are recognized in profit or loss in the period to which they relate, using the effective </span><span class=\"SA12 SA7 S2\" id=\"t13_33\">interest rate method. </span><span class=\"SA13 SA7 S2\" id=\"t14_33\">For exposures categorized into Stage 1 and Stage 2 the interest income is recognized on a gross basis. For </span><span class=\"SA14 SA7 S2\" id=\"t15_33\">exposures categorized into Stage 3 (using effective interest rate) and for POCI (using credit-adjusted effective </span><span class=\"SA15 SA7 S2\" id=\"t16_33\">interest rate) the interest income is recognized on a net basis. </span><span class=\"SA16 SA7 S2\" id=\"t17_33\">The time-proportional income similar to interest income of derivative financial instruments is calculated without </span><span class=\"SA17 SA7 S2\" id=\"t18_33\">using the effective interest method and the positive fair value adjustment of interest rate swaps are included in </span><span class=\"SA18 SA7 S2\" id=\"t19_33\">income similar to interest income. </span><span class=\"SA19 SA7 S2\" id=\"t1a_33\">Interest income of loans at fair value through profit or loss is calculated based on interest fixed in the contract and </span><span class=\"SA1A S5B9 S2\" id=\"t1b_33\">presented in \u201cIncome similar to interest income\u201d line. </span><span class=\"SA1B SA7 S2\" id=\"t1c_33\">Interest from loans and deposits are accrued on a daily basis. Interest income and expense include certain </span><span class=\"SA1C SA7 S2\" id=\"t1d_33\">transaction costs and the amortisation of any discount or premium between the initial carrying amount of an </span><span class=\"SA1D SA7 S2\" id=\"t1e_33\">interest-bearing instrument and its amount at maturity calculated on an effective interest rate basis. </span><span class=\"SA1E SA7 S2\" id=\"t1f_33\">All interest income and expense recognized are arising from loans, placements with other banks, repo receivables, </span><span class=\"SA1F SA7 S2\" id=\"t1g_33\">securities at fair value through other comprehensive income, securities at amortized cost and amounts due to banks, </span><span class=\"SA20 SA7 S2\" id=\"t1h_33\">repo liabilities, deposits from customers, liabilities from issued securities, subordinated bonds and loans are </span><span class=\"SA21 SA7 S2\" id=\"t1i_33\">presented under these lines of Consolidated Financial Statements. </span><span class=\"S7D9 SB S2\" id=\"t5_34\">2.27. </span><span class=\"S7A4 SB S2\" id=\"t6_34\">Fees and Commissions </span><span class=\"SA22 SA7 S2\" id=\"t7_34\">Fees and commissions that are not involved in the amortized cost model are recognized in the Consolidated </span><span class=\"SA23 SA7 S2\" id=\"t8_34\">Statement of Profit or Loss on an accrual basis according to IFRS 15 Revenue from contracts with customers (see </span><span class=\"SA24 SA7 S2\" id=\"t9_34\">more details in Note 32). These fees are related to deposits, cash withdrawals, security trading, bank card etc. </span><span class=\"SA25 SA7 S2\" id=\"ta_34\">The Group recognizes income if performance obligations related to the certain goods or services are satisfied, </span><span class=\"SA26 SA7 S2\" id=\"tb_34\">performed, and control over the asset is transferred to the customer, and it is probable that consideration payable </span><span class=\"SA27 SA7 S2\" id=\"tc_34\">will probably flow to the entity. In case of those services, where the Group transfers control over the asset </span><span class=\"S5C3 SA7 S2\" id=\"td_34\">continuously, income is recognised on accrual basis. </span><span class=\"SA28 SA7 S2\" id=\"te_34\">The Group provides foreign exchange trading services to its customers, the profit margin achieved on these </span><span class=\"SA29 SA7 S2\" id=\"tf_34\">transactions is presented as Net profit from fees and commissions in the Consolidated Statement of Profit or Loss. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3823": {
   "value": "<span class=\"SA0F SB S2\" id=\"t10_33\">2.26. </span><span class=\"SA10 SB S2\" id=\"t11_33\">Interest income and income similar to interest income and interest expense </span><span class=\"SA11 SA7 S2\" id=\"t12_33\">Interest income and expense are recognized in profit or loss in the period to which they relate, using the effective </span><span class=\"SA12 SA7 S2\" id=\"t13_33\">interest rate method. </span><span class=\"SA13 SA7 S2\" id=\"t14_33\">For exposures categorized into Stage 1 and Stage 2 the interest income is recognized on a gross basis. For </span><span class=\"SA14 SA7 S2\" id=\"t15_33\">exposures categorized into Stage 3 (using effective interest rate) and for POCI (using credit-adjusted effective </span><span class=\"SA15 SA7 S2\" id=\"t16_33\">interest rate) the interest income is recognized on a net basis. </span><span class=\"SA16 SA7 S2\" id=\"t17_33\">The time-proportional income similar to interest income of derivative financial instruments is calculated without </span><span class=\"SA17 SA7 S2\" id=\"t18_33\">using the effective interest method and the positive fair value adjustment of interest rate swaps are included in </span><span class=\"SA18 SA7 S2\" id=\"t19_33\">income similar to interest income. </span><span class=\"SA19 SA7 S2\" id=\"t1a_33\">Interest income of loans at fair value through profit or loss is calculated based on interest fixed in the contract and </span><span class=\"SA1A S5B9 S2\" id=\"t1b_33\">presented in \u201cIncome similar to interest income\u201d line. </span><span class=\"SA1B SA7 S2\" id=\"t1c_33\">Interest from loans and deposits are accrued on a daily basis. Interest income and expense include certain </span><span class=\"SA1C SA7 S2\" id=\"t1d_33\">transaction costs and the amortisation of any discount or premium between the initial carrying amount of an </span><span class=\"SA1D SA7 S2\" id=\"t1e_33\">interest-bearing instrument and its amount at maturity calculated on an effective interest rate basis. </span><span class=\"SA1E SA7 S2\" id=\"t1f_33\">All interest income and expense recognized are arising from loans, placements with other banks, repo receivables, </span><span class=\"SA1F SA7 S2\" id=\"t1g_33\">securities at fair value through other comprehensive income, securities at amortized cost and amounts due to banks, </span><span class=\"SA20 SA7 S2\" id=\"t1h_33\">repo liabilities, deposits from customers, liabilities from issued securities, subordinated bonds and loans are </span><span class=\"SA21 SA7 S2\" id=\"t1i_33\">presented under these lines of Consolidated Financial Statements. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3824": {
   "value": "<span class=\"SA0F SB S2\" id=\"t10_33\">2.26. </span><span class=\"SA10 SB S2\" id=\"t11_33\">Interest income and income similar to interest income and interest expense </span><span class=\"SA11 SA7 S2\" id=\"t12_33\">Interest income and expense are recognized in profit or loss in the period to which they relate, using the effective </span><span class=\"SA12 SA7 S2\" id=\"t13_33\">interest rate method. </span><span class=\"SA13 SA7 S2\" id=\"t14_33\">For exposures categorized into Stage 1 and Stage 2 the interest income is recognized on a gross basis. For </span><span class=\"SA14 SA7 S2\" id=\"t15_33\">exposures categorized into Stage 3 (using effective interest rate) and for POCI (using credit-adjusted effective </span><span class=\"SA15 SA7 S2\" id=\"t16_33\">interest rate) the interest income is recognized on a net basis. </span><span class=\"SA16 SA7 S2\" id=\"t17_33\">The time-proportional income similar to interest income of derivative financial instruments is calculated without </span><span class=\"SA17 SA7 S2\" id=\"t18_33\">using the effective interest method and the positive fair value adjustment of interest rate swaps are included in </span><span class=\"SA18 SA7 S2\" id=\"t19_33\">income similar to interest income. </span><span class=\"SA19 SA7 S2\" id=\"t1a_33\">Interest income of loans at fair value through profit or loss is calculated based on interest fixed in the contract and </span><span class=\"SA1A S5B9 S2\" id=\"t1b_33\">presented in \u201cIncome similar to interest income\u201d line. </span><span class=\"SA1B SA7 S2\" id=\"t1c_33\">Interest from loans and deposits are accrued on a daily basis. Interest income and expense include certain </span><span class=\"SA1C SA7 S2\" id=\"t1d_33\">transaction costs and the amortisation of any discount or premium between the initial carrying amount of an </span><span class=\"SA1D SA7 S2\" id=\"t1e_33\">interest-bearing instrument and its amount at maturity calculated on an effective interest rate basis. </span><span class=\"SA1E SA7 S2\" id=\"t1f_33\">All interest income and expense recognized are arising from loans, placements with other banks, repo receivables, </span><span class=\"SA1F SA7 S2\" id=\"t1g_33\">securities at fair value through other comprehensive income, securities at amortized cost and amounts due to banks, </span><span class=\"SA20 SA7 S2\" id=\"t1h_33\">repo liabilities, deposits from customers, liabilities from issued securities, subordinated bonds and loans are </span><span class=\"SA21 SA7 S2\" id=\"t1i_33\">presented under these lines of Consolidated Financial Statements. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3825": {
   "value": "<span class=\"SA0F SB S2\" id=\"t10_33\">2.26. </span><span class=\"SA10 SB S2\" id=\"t11_33\">Interest income and income similar to interest income and interest expense </span><span class=\"SA11 SA7 S2\" id=\"t12_33\">Interest income and expense are recognized in profit or loss in the period to which they relate, using the effective </span><span class=\"SA12 SA7 S2\" id=\"t13_33\">interest rate method. </span><span class=\"SA13 SA7 S2\" id=\"t14_33\">For exposures categorized into Stage 1 and Stage 2 the interest income is recognized on a gross basis. For </span><span class=\"SA14 SA7 S2\" id=\"t15_33\">exposures categorized into Stage 3 (using effective interest rate) and for POCI (using credit-adjusted effective </span><span class=\"SA15 SA7 S2\" id=\"t16_33\">interest rate) the interest income is recognized on a net basis. </span><span class=\"SA16 SA7 S2\" id=\"t17_33\">The time-proportional income similar to interest income of derivative financial instruments is calculated without </span><span class=\"SA17 SA7 S2\" id=\"t18_33\">using the effective interest method and the positive fair value adjustment of interest rate swaps are included in </span><span class=\"SA18 SA7 S2\" id=\"t19_33\">income similar to interest income. </span><span class=\"SA19 SA7 S2\" id=\"t1a_33\">Interest income of loans at fair value through profit or loss is calculated based on interest fixed in the contract and </span><span class=\"SA1A S5B9 S2\" id=\"t1b_33\">presented in \u201cIncome similar to interest income\u201d line. </span><span class=\"SA1B SA7 S2\" id=\"t1c_33\">Interest from loans and deposits are accrued on a daily basis. Interest income and expense include certain </span><span class=\"SA1C SA7 S2\" id=\"t1d_33\">transaction costs and the amortisation of any discount or premium between the initial carrying amount of an </span><span class=\"SA1D SA7 S2\" id=\"t1e_33\">interest-bearing instrument and its amount at maturity calculated on an effective interest rate basis. </span><span class=\"SA1E SA7 S2\" id=\"t1f_33\">All interest income and expense recognized are arising from loans, placements with other banks, repo receivables, </span><span class=\"SA1F SA7 S2\" id=\"t1g_33\">securities at fair value through other comprehensive income, securities at amortized cost and amounts due to banks, </span><span class=\"SA20 SA7 S2\" id=\"t1h_33\">repo liabilities, deposits from customers, liabilities from issued securities, subordinated bonds and loans are </span><span class=\"SA21 SA7 S2\" id=\"t1i_33\">presented under these lines of Consolidated Financial Statements. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3856": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_34\">2.27. </span><span class=\"S7A4 SB S2\" id=\"t6_34\">Fees and Commissions </span><span class=\"SA22 SA7 S2\" id=\"t7_34\">Fees and commissions that are not involved in the amortized cost model are recognized in the Consolidated </span><span class=\"SA23 SA7 S2\" id=\"t8_34\">Statement of Profit or Loss on an accrual basis according to IFRS 15 Revenue from contracts with customers (see </span><span class=\"SA24 SA7 S2\" id=\"t9_34\">more details in Note 32). These fees are related to deposits, cash withdrawals, security trading, bank card etc. </span><span class=\"SA25 SA7 S2\" id=\"ta_34\">The Group recognizes income if performance obligations related to the certain goods or services are satisfied, </span><span class=\"SA26 SA7 S2\" id=\"tb_34\">performed, and control over the asset is transferred to the customer, and it is probable that consideration payable </span><span class=\"SA27 SA7 S2\" id=\"tc_34\">will probably flow to the entity. In case of those services, where the Group transfers control over the asset </span><span class=\"S5C3 SA7 S2\" id=\"td_34\">continuously, income is recognised on accrual basis. </span><span class=\"SA28 SA7 S2\" id=\"te_34\">The Group provides foreign exchange trading services to its customers, the profit margin achieved on these </span><span class=\"SA29 SA7 S2\" id=\"tf_34\">transactions is presented as Net profit from fees and commissions in the Consolidated Statement of Profit or Loss. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3874": {
   "value": "<span class=\"SA2F SB S2\" id=\"tl_34\">2.29. Income tax </span><span class=\"SA30 SA7 S2\" id=\"tm_34\">The Group considers corporate income tax as current tax according to IAS 12. The Group also considers local </span><span class=\"SA31 SA7 S2\" id=\"tn_34\">business tax and the innovation contribution as income tax in Hungary. </span><span class=\"SA32 SA7 S2\" id=\"to_34\">The annual taxation charge is based on the tax payable under fiscal regulations prevailing in the country where the </span><span class=\"SA33 SA7 S2\" id=\"tp_34\">company is incorporated, adjusted for deferred taxation. Deferred taxation is accounted for using the balance sheet </span><span class=\"SA34 SA7 S2\" id=\"tq_34\">liability method in respect of temporary differences between the tax bases of assets and liabilities and their carrying </span><span class=\"SA35 SA7 S2\" id=\"tr_34\">value for financial reporting purposes, measured at the tax rates that apply to the future period when the asset is </span><span class=\"SA36 SA7 S2\" id=\"ts_34\">expected to be realized or the liability is settled. </span><span class=\"SA37 SA7 S2\" id=\"tt_34\">Current tax asset or current tax liability is presented related to income tax and innovation contribution separately </span><span class=\"SA38 SA7 S2\" id=\"tu_34\">in the Consolidated Statement of Financial Position. </span><span class=\"SA39 SA7 S2\" id=\"tv_34\">Deferred tax assets are recognized by the Group for the amounts of income taxes that are recoverable in future </span><span class=\"SA3A SA7 S2\" id=\"tw_34\">periods in respect of deductible temporary differences as well as the carryforward of unused tax losses and the </span><span class=\"SA3B SA7 S2\" id=\"tx_34\">carryforward of unused tax credits. </span><span class=\"SA3C SA7 S2\" id=\"ty_34\">The Group recognizes a deferred tax asset for all deductible temporary differences arising from investments in </span><span class=\"SA3D SA7 S2\" id=\"tz_34\">subsidiaries, branches and associates, and interests in joint arrangements, to the extent that, and only to the extent </span><span class=\"SA3E SA7 S2\" id=\"t10_34\">that, it is probable that: </span><span class=\"SA3F SA7 S2\" id=\"t11_34\">- the temporary difference will reverse in the foreseeable future; and </span><span class=\"SA40 SA7 S2\" id=\"t12_34\">- taxable profit will be available against which the temporary difference can be utilised. </span><span class=\"SA41 SA7 S2\" id=\"t13_34\">The Group considers the availability of qualifying taxable temporary differences and the probability of other future </span><span class=\"S9F1 SA7 S2\" id=\"t14_34\">taxable profits to determine whether future taxable profits will be available according to IAS 12. </span><span class=\"SA42 SA7 S2\" id=\"t15_34\">The Group recognizes a deferred tax liability for all taxable temporary differences associated with investments in </span><span class=\"SA43 SA7 S2\" id=\"t16_34\">subsidiaries, branches and associates, and interests in joint arrangements, except to the extent that both of the </span><span class=\"S76B SA7 S2\" id=\"t17_34\">following conditions are satisfied: </span><span class=\"SA44 SA7 S2\" id=\"t18_34\">- </span><span class=\"SA45 SA7 S2\" id=\"t19_34\">the Bank is able to control the timing of the reversal of the temporary difference, and </span><span class=\"SA46 SA7 S2\" id=\"t1a_34\">- </span><span class=\"SA47 SA7 S2\" id=\"t1b_34\">it is probable that the temporary difference will not reverse in the foreseeable future. </span><span class=\"SA1D SA7 S2\" id=\"t1c_34\">The Group only offsets its deferred tax liabilities against deferred tax assets when: </span><span class=\"SA48 SA7 S2\" id=\"t1d_34\">- </span><span class=\"SA49 SA7 S2\" id=\"t1e_34\">there is a legally enforceable right to set-off current tax liabilities against current tax assets, and </span><span class=\"SA4A SA7 S2\" id=\"t1f_34\">- </span><span class=\"SA4B SA7 S2\" id=\"t1g_34\">the taxes are levied by the same taxation authorities on either </span><span class=\"SA4C S602 S2\" id=\"t1h_34\">\u2022 </span><span class=\"SA4D SA7 S2\" id=\"t1i_34\">the same taxable entity or </span><span class=\"SA4E S602 S2\" id=\"t1j_34\">\u2022 </span><span class=\"SA4F SA7 S2\" id=\"t1k_34\">different taxable entities which intend to settle current tax liabilities and assets on a net basis. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3875": {
   "value": "<span class=\"SA2F SB S2\" id=\"tl_34\">2.29. Income tax </span><span class=\"SA30 SA7 S2\" id=\"tm_34\">The Group considers corporate income tax as current tax according to IAS 12. The Group also considers local </span><span class=\"SA31 SA7 S2\" id=\"tn_34\">business tax and the innovation contribution as income tax in Hungary. </span><span class=\"SA32 SA7 S2\" id=\"to_34\">The annual taxation charge is based on the tax payable under fiscal regulations prevailing in the country where the </span><span class=\"SA33 SA7 S2\" id=\"tp_34\">company is incorporated, adjusted for deferred taxation. Deferred taxation is accounted for using the balance sheet </span><span class=\"SA34 SA7 S2\" id=\"tq_34\">liability method in respect of temporary differences between the tax bases of assets and liabilities and their carrying </span><span class=\"SA35 SA7 S2\" id=\"tr_34\">value for financial reporting purposes, measured at the tax rates that apply to the future period when the asset is </span><span class=\"SA36 SA7 S2\" id=\"ts_34\">expected to be realized or the liability is settled. </span><span class=\"SA37 SA7 S2\" id=\"tt_34\">Current tax asset or current tax liability is presented related to income tax and innovation contribution separately </span><span class=\"SA38 SA7 S2\" id=\"tu_34\">in the Consolidated Statement of Financial Position. </span><span class=\"SA39 SA7 S2\" id=\"tv_34\">Deferred tax assets are recognized by the Group for the amounts of income taxes that are recoverable in future </span><span class=\"SA3A SA7 S2\" id=\"tw_34\">periods in respect of deductible temporary differences as well as the carryforward of unused tax losses and the </span><span class=\"SA3B SA7 S2\" id=\"tx_34\">carryforward of unused tax credits. </span><span class=\"SA3C SA7 S2\" id=\"ty_34\">The Group recognizes a deferred tax asset for all deductible temporary differences arising from investments in </span><span class=\"SA3D SA7 S2\" id=\"tz_34\">subsidiaries, branches and associates, and interests in joint arrangements, to the extent that, and only to the extent </span><span class=\"SA3E SA7 S2\" id=\"t10_34\">that, it is probable that: </span><span class=\"SA3F SA7 S2\" id=\"t11_34\">- the temporary difference will reverse in the foreseeable future; and </span><span class=\"SA40 SA7 S2\" id=\"t12_34\">- taxable profit will be available against which the temporary difference can be utilised. </span><span class=\"SA41 SA7 S2\" id=\"t13_34\">The Group considers the availability of qualifying taxable temporary differences and the probability of other future </span><span class=\"S9F1 SA7 S2\" id=\"t14_34\">taxable profits to determine whether future taxable profits will be available according to IAS 12. </span><span class=\"SA42 SA7 S2\" id=\"t15_34\">The Group recognizes a deferred tax liability for all taxable temporary differences associated with investments in </span><span class=\"SA43 SA7 S2\" id=\"t16_34\">subsidiaries, branches and associates, and interests in joint arrangements, except to the extent that both of the </span><span class=\"S76B SA7 S2\" id=\"t17_34\">following conditions are satisfied: </span><span class=\"SA44 SA7 S2\" id=\"t18_34\">- </span><span class=\"SA45 SA7 S2\" id=\"t19_34\">the Bank is able to control the timing of the reversal of the temporary difference, and </span><span class=\"SA46 SA7 S2\" id=\"t1a_34\">- </span><span class=\"SA47 SA7 S2\" id=\"t1b_34\">it is probable that the temporary difference will not reverse in the foreseeable future. </span><span class=\"SA1D SA7 S2\" id=\"t1c_34\">The Group only offsets its deferred tax liabilities against deferred tax assets when: </span><span class=\"SA48 SA7 S2\" id=\"t1d_34\">- </span><span class=\"SA49 SA7 S2\" id=\"t1e_34\">there is a legally enforceable right to set-off current tax liabilities against current tax assets, and </span><span class=\"SA4A SA7 S2\" id=\"t1f_34\">- </span><span class=\"SA4B SA7 S2\" id=\"t1g_34\">the taxes are levied by the same taxation authorities on either </span><span class=\"SA4C S602 S2\" id=\"t1h_34\">\u2022 </span><span class=\"SA4D SA7 S2\" id=\"t1i_34\">the same taxable entity or </span><span class=\"SA4E S602 S2\" id=\"t1j_34\">\u2022 </span><span class=\"SA4F SA7 S2\" id=\"t1k_34\">different taxable entities which intend to settle current tax liabilities and assets on a net basis. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3923": {
   "value": "<span class=\"SA50 SB S2\" id=\"t5_35\">2.30. Banking tax </span><span class=\"SA51 SA7 S2\" id=\"t6_35\">The Bank and some of its subsidiaries are obliged to pay banking tax based on Act LIX of 2006. As the calculation </span><span class=\"SA52 SA7 S2\" id=\"t7_35\">is not based on the taxable profit but on the adjusted total assets as reported in the Separate Financial Statements </span><span class=\"SA53 SA7 S2\" id=\"t8_35\">of the Bank and its entities for the second period preceding the current tax year, therefore, the banking tax is </span><span class=\"SA54 SA7 S2\" id=\"t9_35\">considered as another administrative expense, not as income tax. Pursuant to Government Decree No. 197/2022 </span><span class=\"SA55 SA7 S2\" id=\"ta_35\">published on 4 June 2022, the Hungarian Government decided to impose a windfall tax on credit institutions and </span><span class=\"SA56 SA7 S2\" id=\"tb_35\">financial enterprises temporarily, that is for 2022 and 2023. As for 2022, the base of the windfall tax is the net </span><span class=\"SA57 SA7 S2\" id=\"tc_35\">revenues based on the 2021 financial statements, calculated according to local tax law, whereas the tax rate is 10%. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTaxesOtherThanIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3933": {
   "value": "<span class=\"SA58 SB S2\" id=\"td_35\">2.31. </span><span class=\"SA59 SB S2\" id=\"te_35\">Off-balance sheet commitments and contingent liabilities </span><span class=\"SA5A SA7 S2\" id=\"tf_35\">In the ordinary course of its business, the Group enters into off-balance sheet commitments such as guarantees, </span><span class=\"SA5B SA7 S2\" id=\"tg_35\">letters of credit, commitments to extend credit and transactions with financial instruments. The provision for off- </span><span class=\"SA5C SA7 S2\" id=\"th_35\">balance sheet commitments and contingent liabilities is maintained at a level adequate to absorb future cash </span><span class=\"SA5D SA7 S2\" id=\"ti_35\">outflows which are probable and relate to present obligations. </span><span class=\"SA5E SA7 S2\" id=\"tj_35\">In the case of commitments and contingent liabilities, the Management determines the adequacy of the loss </span><span class=\"SA5F SA7 S2\" id=\"tk_35\">allowance based upon reviews of individual items, recent loss experience, current economic conditions, the risk </span><span class=\"SA60 SA7 S2\" id=\"tl_35\">characteristics of the various categories of transactions and other pertinent factors. The Group recognizes provision </span><span class=\"SA61 SA7 S2\" id=\"tm_35\">for off-balance sheet commitment and contingent liabilities in accordance with IAS 37 when it has a present </span><span class=\"SA62 SA7 S2\" id=\"tn_35\">obligation as a result of a past event; it is probable that an outflow of resources embodying economic benefits will </span><span class=\"SA63 SA7 S2\" id=\"to_35\">be required to settle the obligation; and a reliable estimate can be made of the obligation. For financial guarantees </span><span class=\"SA64 SA7 S2\" id=\"tp_35\">and loan commitments given which are under IFRS 9 the expected credit loss model is applied when the provision </span><span class=\"SA65 SA7 S2\" id=\"tq_35\">is calculated (see more details in Note 2.14.). After initial recognition the Group subsequently measures those </span><span class=\"SA66 SA7 S2\" id=\"tr_35\">contracts at a higher of the amount of the loss allowance or of the amount initially recognised less the cumulative </span><span class=\"SA67 SA7 S2\" id=\"ts_35\">amount of income recognized in accordance with IFRS 15. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3950": {
   "value": "<span class=\"SA68 SB S2\" id=\"tt_35\">2.32. Share-based payment </span><span class=\"SA69 SA7 S2\" id=\"tu_35\">The Group has applied the requirements of IFRS 2 Share-based Payment. </span><span class=\"SA6A SA7 S2\" id=\"tv_35\">The Group issues equity-settled share-based payment to certain employees. Equity-settled share-based payment is </span><span class=\"SA6B SA7 S2\" id=\"tw_35\">measured at fair value at the grant date. The fair value determined at the grant date of the equity-settled share- </span><span class=\"SA6C SA7 S2\" id=\"tx_35\">based payment is expensed on a straight-</span><span class=\"SA6D S5B9 S2\" id=\"ty_35\">line basis over the year, based on the Group\u2019s estimate of shares that will </span><span class=\"SA6E SA7 S2\" id=\"tz_35\">eventually vest. Share-based payment is recorded in Consolidated Statement of Profit or Loss as Personnel </span><span class=\"SA6F SA7 S2\" id=\"t10_35\">expenses. </span><span class=\"SA70 SA7 S2\" id=\"t11_35\">Fair value is measured by use of a binomial model. The expected life used in the model has been adjusted, based </span><span class=\"SA71 S5B9 S2\" id=\"t12_35\">on Management\u2019s best estimate, for the effects of non</span><span class=\"SA72 SA7 S2\" id=\"t13_35\">-transferability, exercise restrictions, and behavioural </span><span class=\"SA73 SA7 S2\" id=\"t14_35\">considerations. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3963": {
   "value": "<span class=\"SA74 SB S2\" id=\"t15_35\">2.33. Employee benefits </span><span class=\"SA75 SA7 S2\" id=\"t16_35\">The Group has applied the requirement of IAS 19 Employee Benefits. These benefits are recognised as an expense </span><span class=\"SA76 SA7 S2\" id=\"t17_35\">and liability undiscounted in the Consolidated Financial Statements. Liabilities are regularly remeasured. Gains or </span><span class=\"SA77 SA7 S2\" id=\"t18_35\">losses due to the remeasurement are recognised in the Consolidated Statement of Profit or Loss. </span><span class=\"SA78 SA7 S2\" id=\"t19_35\">Short-term employee benefits are employee benefits (other than termination benefits) that are expected to be settled </span><span class=\"SA79 SA7 S2\" id=\"t1a_35\">wholly before twelve months after the end of the annual reporting period in which the employees render the related </span><span class=\"S99F SA7 S2\" id=\"t1b_35\">service. These can be wages, salaries and bonuses, premium, paid annual leave and paid sick leave and other free </span><span class=\"SA1D SA7 S2\" id=\"t1c_35\">services (health care, reward holiday). Long-term employee benefits are mostly the jubilee reward. </span><span class=\"SA7A SA7 S2\" id=\"t1d_35\">Post-employment benefits are employee benefits (other than termination and short-term employee benefits) that </span><span class=\"SA7B SA7 S2\" id=\"t1e_35\">are payable after the completion of employment. Post-employment benefit plans are formal or informal </span><span class=\"SA7C SA7 S2\" id=\"t1f_35\">arrangements under which an entity provides post-employment benefits for one or more employees. Post- </span><span class=\"SA7D SA7 S2\" id=\"t1g_35\">employment benefit plans are classified as either defined contribution plans or defined benefit plans, depending </span><span class=\"SA7E SA7 S2\" id=\"t1h_35\">on the economic substance of the plan as derived from its principal terms and conditions. </span><span class=\"SA7F SB S2\" id=\"t5_36\">2.33.  Employee benefits [continued] </span><span class=\"SA80 S5B9 S2\" id=\"t6_36\">Defined benefit plan is post\u2011employment benefit plans other than defined contribution plan. The Group's net </span><span class=\"SA81 SA7 S2\" id=\"t7_36\">obligation is calculated by estimating the amount of employee's future benefit based on their services for the </span><span class=\"SA82 SA7 S2\" id=\"t8_36\">current and prior periods. The future value of benefit is being discounted to present value. </span><span class=\"SA83 S5B9 S2\" id=\"t9_36\">Termination benefits are employee benefits provided in exchange for the termination of an employee\u2019s </span><span class=\"SA84 S5B9 S2\" id=\"ta_36\">employment as a result of either: an entity\u2019s decision to terminate an employee\u2019s employment before the normal </span><span class=\"SA85 S5B9 S2\" id=\"tb_36\">retirement date or an employee\u2019s decision to accept an offer of benefits in exchange for the termination of </span><span class=\"SA86 SA7 S2\" id=\"tc_36\">employment. Other long-term employee benefits are all employee benefits other than short-term employee </span><span class=\"SA87 SA7 S2\" id=\"td_36\">benefits, postemployment benefits and termination benefits. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3993": {
   "value": "<span class=\"SA83 S5B9 S2\" id=\"t9_36\">Termination benefits are employee benefits provided in exchange for the termination of an employee\u2019s </span><span class=\"SA84 S5B9 S2\" id=\"ta_36\">employment as a result of either: an entity\u2019s decision to terminate an employee\u2019s employment before the normal </span><span class=\"SA85 S5B9 S2\" id=\"tb_36\">retirement date or an employee\u2019s decision to accept an offer of benefits in exchange for the termination of </span><span class=\"SA86 SA7 S2\" id=\"tc_36\">employment. Other long-term employee benefits are all employee benefits other than short-term employee </span><span class=\"SA87 SA7 S2\" id=\"td_36\">benefits, postemployment benefits and termination benefits. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTerminationBenefits",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f3999": {
   "value": "<span class=\"SA88 SB S2\" id=\"te_36\">2.34. </span><span class=\"SA89 SB S2\" id=\"tf_36\">Biological assets and agricultural produce </span><span class=\"SA8A SA7 S2\" id=\"tg_36\">The Group recognises a biological asset or agricultural produce according to IAS 41 only when it controls the asset </span><span class=\"SA8B SA7 S2\" id=\"th_36\">as a result of past events, it is probable that future economic benefits will flow and the fair value or the cost can </span><span class=\"SA8C SA7 S2\" id=\"ti_36\">be measured reliably. </span><span class=\"SA8D SA7 S2\" id=\"tj_36\">Biological assets are measured on initial recognition and at subsequent periods at fair value less estimated costs to </span><span class=\"SA8E SA7 S2\" id=\"tk_36\">sell unless fair value cannot be reliably measured. </span><span class=\"SA8F SA7 S2\" id=\"tl_36\">Agricultural produce is measured at fair value less estimated costs to sell at the point of harvest. </span><span class=\"SA90 SA7 S2\" id=\"tm_36\">The gain on initial recognition of biological assets at fair value less costs to sell, and changes in fair value less </span><span class=\"SA91 SA7 S2\" id=\"tn_36\">costs to sell of biological assets during a period are included in profit or loss for the period in which it arises as </span><span class=\"SA92 SA7 S2\" id=\"to_36\">other operating income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBiologicalAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4011": {
   "value": "<span class=\"SA93 SB S2\" id=\"tp_36\">2.35. </span><span class=\"SA94 SB S2\" id=\"tq_36\">Consolidated Statement of Cash-flows </span><span class=\"SA95 SA7 S2\" id=\"tr_36\">Cash flows arising from the operating, investing or financing activities are reported in the Statement of Cash- </span><span class=\"SA96 SA7 S2\" id=\"ts_36\">Flows of the Group primarily on a gross basis. Net basis reporting are applied by the Group in the following cases: </span><span class=\"SA97 SA7 S2\" id=\"tt_36\">- </span><span class=\"SA98 SA7 S2\" id=\"tu_36\">when the cash flows reflect the activities of the customer rather than those of the Group, and </span><span class=\"SA99 SA7 S2\" id=\"tv_36\">- </span><span class=\"SA9A SA7 S2\" id=\"tw_36\">for items in which the turnover is quick, the amounts are large, and the maturities are short. </span><span class=\"SA9B SA7 S2\" id=\"tx_36\">For the purposes of reporting Consolidated Statement of Cash-flows, cash and cash equivalents include cash, due </span><span class=\"SA9C SA7 S2\" id=\"ty_36\">from banks and balances with the National Banks, excluding the compulsory reserve established by the National </span><span class=\"SA9D SA7 S2\" id=\"tz_36\">Banks. This line item shows balances of HUF and foreign currency cash amounts, and sight deposit from NBH </span><span class=\"SA9E SA7 S2\" id=\"t10_36\">and from other banks, furthermore, balances of current accounts. </span><span class=\"SA9F SA7 S2\" id=\"t11_36\">Consolidated cash-flows from hedging activities are classified in the same category as the item being hedged. The </span><span class=\"SAA0 SA7 S2\" id=\"t12_36\">unrealized gains and losses from the translation of monetary items to the closing foreign exchange rates and </span><span class=\"SAA1 SA7 S2\" id=\"t13_36\">unrealized gains and losses from derivative financial instruments are presented net as operating activity separately </span><span class=\"SAA2 SA7 S2\" id=\"t14_36\">in the Consolidated Statement of Cash-flows for the monetary items which have been revaluated. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4012": {
   "value": "<span class=\"SA93 SB S2\" id=\"tp_36\">2.35. </span><span class=\"SA94 SB S2\" id=\"tq_36\">Consolidated Statement of Cash-flows </span><span class=\"SA95 SA7 S2\" id=\"tr_36\">Cash flows arising from the operating, investing or financing activities are reported in the Statement of Cash- </span><span class=\"SA96 SA7 S2\" id=\"ts_36\">Flows of the Group primarily on a gross basis. Net basis reporting are applied by the Group in the following cases: </span><span class=\"SA97 SA7 S2\" id=\"tt_36\">- </span><span class=\"SA98 SA7 S2\" id=\"tu_36\">when the cash flows reflect the activities of the customer rather than those of the Group, and </span><span class=\"SA99 SA7 S2\" id=\"tv_36\">- </span><span class=\"SA9A SA7 S2\" id=\"tw_36\">for items in which the turnover is quick, the amounts are large, and the maturities are short. </span><span class=\"SA9B SA7 S2\" id=\"tx_36\">For the purposes of reporting Consolidated Statement of Cash-flows, cash and cash equivalents include cash, due </span><span class=\"SA9C SA7 S2\" id=\"ty_36\">from banks and balances with the National Banks, excluding the compulsory reserve established by the National </span><span class=\"SA9D SA7 S2\" id=\"tz_36\">Banks. This line item shows balances of HUF and foreign currency cash amounts, and sight deposit from NBH </span><span class=\"SA9E SA7 S2\" id=\"t10_36\">and from other banks, furthermore, balances of current accounts. </span><span class=\"SA9F SA7 S2\" id=\"t11_36\">Consolidated cash-flows from hedging activities are classified in the same category as the item being hedged. The </span><span class=\"SAA0 SA7 S2\" id=\"t12_36\">unrealized gains and losses from the translation of monetary items to the closing foreign exchange rates and </span><span class=\"SAA1 SA7 S2\" id=\"t13_36\">unrealized gains and losses from derivative financial instruments are presented net as operating activity separately </span><span class=\"SAA2 SA7 S2\" id=\"t14_36\">in the Consolidated Statement of Cash-flows for the monetary items which have been revaluated. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4029": {
   "value": "<span class=\"SAA3 SB S2\" id=\"t15_36\">2.36. Segment reporting </span><span class=\"SAA4 SA7 S2\" id=\"t16_36\">IFRS 8 Operating Segments requires operating segments to be identified on the basis of internal reports about </span><span class=\"SAA5 SA7 S2\" id=\"t17_36\">components of the Group that are regularly reviewed by the chief operating decision maker in order to allocate </span><span class=\"SAA6 SA7 S2\" id=\"t18_36\">resources to the segments and to assess their performance. </span><span class=\"SAA7 SA7 S2\" id=\"t19_36\">Based on the above, the segments identified by the Group are the business and geographical segments. </span><span class=\"SAA8 S5B9 S2\" id=\"t1a_36\">The Group\u2019s operating segments under IFRS 8 are therefore as follows: OTP Core Hungary, Russia, Ukraine, </span><span class=\"SAA9 SA7 S2\" id=\"t1b_36\">Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Merkantil Group, Asset </span><span class=\"SA1A SA7 S2\" id=\"t1c_36\">Management subsidiaries, Other subsidiaries, Corporate Center. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4038": {
   "value": "<span class=\"SAAA SB S2\" id=\"t1d_36\">2.37. Comparative balances </span><span class=\"SAAB SA7 S2\" id=\"t1e_36\">These Consolidated Financial Statements are prepared in accordance with the same accounting policies in all </span><span class=\"SAAC SA7 S2\" id=\"t1f_36\">respects as the Consolidated Financial Statements prepared in accordance with IFRS as adopted by the European </span><span class=\"S9A2 SA7 S2\" id=\"t1g_36\">Union for the year ended 31 December 2021. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4051": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_37\">NOTE 3: </span><span class=\"SAAD SB S2\" id=\"t4_37\">SIGNIFICANT ACCOUNTING ESTIMATES AND DECISIONS IN THE APPLICATION </span><span class=\"SAAE SB S2\" id=\"t5_37\">OF ACCOUNTING POLICIES </span><span class=\"SAAF SA7 S2\" id=\"t6_37\">The presentation of financial statements in conformity with IFRS as adopted by EU requires the Management of </span><span class=\"SAB0 SA7 S2\" id=\"t7_37\">the Group to make judgement about estimates and assumptions that affect the reported amounts of assets and </span><span class=\"SAB1 SA7 S2\" id=\"t8_37\">liabilities and the disclosure of contingent assets and liabilities as at the date of the financial statements and their </span><span class=\"SAB2 SA7 S2\" id=\"t9_37\">reported amounts of revenues and expenses during the reporting period. The estimates and associated assumptions </span><span class=\"SAB3 SA7 S2\" id=\"ta_37\">are based on the expected loss and other factors that are considered to be relevant. The estimates and underlying </span><span class=\"SAB4 SA7 S2\" id=\"tb_37\">assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognized in the period. </span><span class=\"S9F7 SA7 S2\" id=\"tc_37\">Actual results could differ from those estimates. Significant areas of subjective judgement include: </span><span class=\"SAB5 SB S2\" id=\"td_37\">3.1. </span><span class=\"SAB6 SB S2\" id=\"te_37\">Loss allowances on financial instruments exposed to credit risk </span><span class=\"SAB7 SA7 S2\" id=\"tf_37\">The Group regularly assesses its financial instruments portfolio for loss allowance. Management determines the </span><span class=\"SAB8 SA7 S2\" id=\"tg_37\">adequacy of the loss allowances based upon reviews of individual loans and placements, recent loss experience, </span><span class=\"SAB9 SA7 S2\" id=\"th_37\">current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. </span><span class=\"SABA SA7 S2\" id=\"ti_37\">The use of the three-stage model was implemented for IFRS 9 purposes. The impairment methodology is used to </span><span class=\"SABB SA7 S2\" id=\"tj_37\">classify financial instruments in order to determine whether credit risk has significantly increased since initial </span><span class=\"SABC SA7 S2\" id=\"tk_37\">recognition and to identify the credit-impaired assets. For instruments with credit-impairment or significant </span><span class=\"SABD SA7 S2\" id=\"tl_37\">increase of credit risk lifetime expected losses are recognized (see more details in Note 37.1.) </span><span class=\"SABE SB S2\" id=\"tm_37\">3.2. </span><span class=\"SABF SB S2\" id=\"tn_37\">Valuation of instruments without direct quotations </span><span class=\"SAC0 SA7 S2\" id=\"to_37\">Financial instruments without direct quotations in an active market are valued using the valuation model technique. </span><span class=\"SAC1 SA7 S2\" id=\"tp_37\">The models are regularly reviewed and each model is calibrated for the most recent available market data. While </span><span class=\"SAC2 SA7 S2\" id=\"tq_37\">the models are built only on available data, their use is subject to certain assumptions and estimates (e.g. </span><span class=\"SAC3 SA7 S2\" id=\"tr_37\">correlations, volatilities, etc.). Changes in the model assumptions may affect the reported fair value of the relevant </span><span class=\"SAC4 SA7 S2\" id=\"ts_37\">financial instruments. </span><span class=\"SAC5 SA7 S2\" id=\"tt_37\">IFRS 13 Fair Value Measurement seeks to increase the consistency and comparability in fair value measurements </span><span class=\"SAC6 SA7 S2\" id=\"tu_37\">and related disclosures through a 'fair value hierarchy'. The hierarchy categorises the inputs used in valuation </span><span class=\"SAC7 SA7 S2\" id=\"tv_37\">techniques into three levels. The hierarchy gives the highest priority to (unadjusted) quoted prices in active markets </span><span class=\"SAC8 SA7 S2\" id=\"tw_37\">for identical assets or liabilities and the lowest priority to unobservable inputs. The Group evaluates the levelling </span><span class=\"SA69 SA7 S2\" id=\"tx_37\">at each reporting period on an instrument-by-instrument basis and reclassifies instruments when necessary, based </span><span class=\"SAC9 SA7 S2\" id=\"ty_37\">on the facts at the beginning of the reporting period. The objective of a fair value measurement is to estimate the </span><span class=\"SACA SA7 S2\" id=\"tz_37\">price at which an orderly transaction to sell the asset or to transfer the liability would take place between market </span><span class=\"SACB SA7 S2\" id=\"t10_37\">participants at the measurement date under current market conditions. </span><span class=\"S703 SB S2\" id=\"t11_37\">3.3. </span><span class=\"SACC SB S2\" id=\"t12_37\">Provisions </span><span class=\"SACD SA7 S2\" id=\"t13_37\">Provision is recognized and measured for commitments to extend credit and for warranties arising from banking </span><span class=\"SACE SA7 S2\" id=\"t14_37\">activities based on IFRS 9 Financial Instruments. Provision for these instruments is recognized based on the credit </span><span class=\"SACF SA7 S2\" id=\"t15_37\">conversion factor, which shows the proportion of the undrawn credit line that will probably be drawn. </span><span class=\"SAD0 SA7 S2\" id=\"t16_37\">Other provisions are recognized and measured based on IAS 37 Provisions, Contingent Liabilities and Contingent </span><span class=\"SAD1 SA7 S2\" id=\"t17_37\">Assets. The Group is involved in a number of ongoing legal disputes. Based upon historical experience and expert </span><span class=\"SAD2 SA7 S2\" id=\"t18_37\">reports, the Group assesses the developments in these cases, and the likelihood and the amount of potential </span><span class=\"SAD3 SA7 S2\" id=\"t19_37\">financial losses which are appropriately provided for. (See Note 24.) </span><span class=\"SAD4 SA7 S2\" id=\"t1a_37\">Other provision includes provision for litigation, provision for retirement and expected liabilities and provision </span><span class=\"SA18 SA7 S2\" id=\"t1b_37\">for confirmed letter of credit. </span><span class=\"SAD5 SA7 S2\" id=\"t1c_37\">A provision is recognized by the Group when it has a present obligation as a result of a past event, it is probable </span><span class=\"SAD6 SA7 S2\" id=\"t1d_37\">that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable </span><span class=\"SAD7 SA7 S2\" id=\"t1e_37\">estimate can be made of the amount of the obligation. </span><span class=\"S5BC SB S2\" id=\"t6_38\">3.4. </span><span class=\"SAD9 SB S2\" id=\"t7_38\">Impairment on goodwill </span><span class=\"SADA SA7 S2\" id=\"t8_38\">Goodwill acquired in a business combination is tested for impairment annually or more frequently when there is </span><span class=\"S8F2 SA7 S2\" id=\"t9_38\">an indication that the unit might </span><span class=\"SADB S5B9 S2\" id=\"ta_38\">be impaired, in accordance with IAS 36 \u201cImpairment of assets\u201d. </span><span class=\"SADC SA7 S2\" id=\"tb_38\">The Group calculates the fair value based on discounted cash-flow model. The 3-year period explicit cash-flow </span><span class=\"SADD SA7 S2\" id=\"tc_38\">model serves as a basis for the impairment test by which the Group defines the impairment need on goodwill based </span><span class=\"SADE SA7 S2\" id=\"td_38\">on the strategic factors and financial data of its cash-generating units. In the calculation of the goodwill impairment, </span><span class=\"SADF SA7 S2\" id=\"te_38\">also the expectations about possible variations in the amount or timing of those future cash-flows, the time value </span><span class=\"SAE0 SA7 S2\" id=\"tf_38\">of money, represented by the current market risk-free rate of interest and other factors are reflected. </span><span class=\"SAE1 SB S2\" id=\"tg_38\">3.5. </span><span class=\"SAE2 SB S2\" id=\"th_38\">Business model </span><span class=\"SAE3 SA7 S2\" id=\"ti_38\">A business model refers to how the Group manages its financial instruments in order to generate cash flows. It is </span><span class=\"SAE4 SA7 S2\" id=\"tj_38\">determined at a level that reflects how groups of financial instruments are managed rather than at an instrument </span><span class=\"SAE5 SA7 S2\" id=\"tk_38\">level. </span><span class=\"SAE6 SA7 S2\" id=\"tl_38\">The financial assets held by the Group are classified into three categories depending on the business model within </span><span class=\"SAE7 SA7 S2\" id=\"tm_38\">the financial assets are managed. </span><span class=\"SAE8 S602 S2\" id=\"tn_38\">\u2022 </span><span class=\"SAE9 SA7 S2\" id=\"to_38\">Business model whose objective is to hold financial assets in order to collect contractual cash flows. Some </span><span class=\"SAEA SA7 S2\" id=\"tp_38\">sales can be consistent with hold to collect business model and the Group assesses the nature, frequency </span><span class=\"SAEB SA7 S2\" id=\"tq_38\">and significance of any sales occurring. The Group does not consider the sale frequent when at least six </span><span class=\"SAEC SA7 S2\" id=\"tr_38\">months have elapsed between sales. The significant sales are those when the sales exceed 2% of the total </span><span class=\"SAED SA7 S2\" id=\"ts_38\">hold to collect portfolio. Within this business model the Group manages mainly loans and advances and </span><span class=\"SAEE SA7 S2\" id=\"tt_38\">long-term securities and other financial assets. </span><span class=\"SAEF S602 S2\" id=\"tu_38\">\u2022 </span><span class=\"SAF0 SA7 S2\" id=\"tv_38\">Business model whose objective is achieved by both collecting contractual cash flows and selling </span><span class=\"SAF1 SA7 S2\" id=\"tw_38\">financial assets. Within this business model the Group only manages securities. </span><span class=\"SAF2 S602 S2\" id=\"tx_38\">\u2022 </span><span class=\"SAF3 SA7 S2\" id=\"ty_38\">Business model whose objective is to achieve gains in a short-term period. Within this business model </span><span class=\"SAF4 SA7 S2\" id=\"tz_38\">the Group manages securities and derivative financial instrument. </span><span class=\"SAF5 SA7 S2\" id=\"t10_38\">If cash flows are realised in a way that is different from the expectations at the date that the Bank/Group assessed </span><span class=\"SAF6 S5B9 S2\" id=\"t11_38\">the business model, that does not give rise to a prior error in the Group\u2019s financial statements nor does it change </span><span class=\"SAF7 SA7 S2\" id=\"t12_38\">the classification of the remaining financial assets held in that business model. </span><span class=\"SAF8 SA7 S2\" id=\"t13_38\">When, and only when the Group changes its business model for managing financial assets it reclassifies all affected </span><span class=\"SAF9 S5B9 S2\" id=\"t14_38\">assets. Such changes are determined by the Group\u2019s senior management as a result of external or internal changes </span><span class=\"SAFA S5B9 S2\" id=\"t15_38\">and must be significant to the Group\u2019s operations a</span><span class=\"SAFB SA7 S2\" id=\"t16_38\">nd demonstrable to external parties. The Group shall not </span><span class=\"SAFC SA7 S2\" id=\"t17_38\">reclassify any financial liability. </span><span class=\"SAFD SB S2\" id=\"t18_38\">3.6. </span><span class=\"SAFE SB S2\" id=\"t19_38\">Contractual cash-flow characteristics of financial assets </span><span class=\"SAFF SA7 S2\" id=\"t1a_38\">Classification of a financial asset is based on the characteristics of its contractual cash flows if the financial asset </span><span class=\"SB00 SA7 S2\" id=\"t1b_38\">is held within a business model whose objective is to hold assets to collect contractual cash flows or within a </span><span class=\"SB01 SA7 S2\" id=\"t1c_38\">business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. </span><span class=\"SB02 S5B9 S2\" id=\"t1d_38\">The Group should determine whether the asset\u2019s contractual cash flows are solely payments of principal and </span><span class=\"SB03 SA7 S2\" id=\"t1e_38\">interest on the principal amount outstanding (SPPI test). Contractual cash flows that are solely payments of </span><span class=\"SB04 SA7 S2\" id=\"t1f_38\">principal and interest on the principal amount outstanding are consistent with a basic lending arrangement. </span><span class=\"S5BC SB S2\" id=\"t6_39\">3.6. </span><span class=\"SB05 SB S2\" id=\"t7_39\">Contractual cash-flow characteristics of financial assets [continued] </span><span class=\"SB06 SA7 S2\" id=\"t8_39\">Contractual terms that introduce exposure to risks or volatility in the contractual cash flows that is unrelated to a </span><span class=\"SB07 SA7 S2\" id=\"t9_39\">basic lending arrangement, such as exposure to changes in equity prices or commodity prices, do not give rise to </span><span class=\"SB08 SA7 S2\" id=\"ta_39\">contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. The </span><span class=\"SB09 SA7 S2\" id=\"tb_39\">Group assesses whether contractual cash flows are solely payments of principal and interest on the principal </span><span class=\"S6B9 SA7 S2\" id=\"tc_39\">amount outstanding for the currency in which the financial asset is denominated. </span><span class=\"SB0A SA7 S2\" id=\"td_39\">The time value of money is the element of interest that provides consideration for only the passage of time. </span><span class=\"SB0B SA7 S2\" id=\"te_39\">However, in some cases, the time value of money element may be modified. In such cases, the Group assesses the </span><span class=\"SB0C SA7 S2\" id=\"tf_39\">modification to determine whether the contractual cash flows represent solely payments of principal and interest </span><span class=\"SB0D SA7 S2\" id=\"tg_39\">on the principal amount outstanding. </span><span class=\"SB0E SA7 S2\" id=\"th_39\">When assessing a modified time value of money element, the objective is to determine how different the </span><span class=\"SB0F SA7 S2\" id=\"ti_39\">undiscounted contractual cash flows could be from undiscounted cash flows that would arise if the time value of </span><span class=\"SB10 SA7 S2\" id=\"tj_39\">money element was not modified (the benchmark cash flows). The benchmark instrument can be an actual or a </span><span class=\"SA8E SA7 S2\" id=\"tk_39\">hypothetical financial asset. If the undiscounted contractual cash flows significantly </span><span class=\"SB11 S5B9 S2\" id=\"tl_39\">\u2013 </span><span class=\"SB12 SA7 S2\" id=\"tm_39\">above 2% </span><span class=\"SB13 S5B9 S2\" id=\"tn_39\">\u2013 </span><span class=\"SB14 SA7 S2\" id=\"to_39\">differ from the </span><span class=\"SB15 SA7 S2\" id=\"tp_39\">undiscounted benchmark cash flows, the financial asset should be subsequently measured at fair value through </span><span class=\"SB16 SA7 S2\" id=\"tq_39\">profit or loss. </span><span class=\"SB8B SB S2\" id=\"tt_42\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"SB8C SB S2\" id=\"tu_42\">Consolidated Financial Statements </span><span class=\"SB63 SA7 S2\" id=\"tv_42\">During the preparation of these Consolidated Financial Statements, the Group identified the following estimates, </span><span class=\"SB8D SA7 S2\" id=\"tw_42\">which were significantly affected by the Russian-Ukrainian conflict: </span><span class=\"SB8E SA7 S2\" id=\"tx_42\">1) </span><span class=\"SB8F SA7 S2\" id=\"ty_42\">Evaluation of Russian sovereign exposures (government securities) and related reserves for expected credit </span><span class=\"SB90 SA7 S2\" id=\"tz_42\">losses </span><span class=\"SB91 SA7 S2\" id=\"t10_42\">a) </span><span class=\"SB92 SA7 S2\" id=\"t11_42\">exposures of the Russian subsidiary bank </span><span class=\"SB93 SA7 S2\" id=\"t12_42\">b) </span><span class=\"SB94 SA7 S2\" id=\"t13_42\">exposures of other members of the group (parent company and subsidiaries) </span><span class=\"SB95 SA7 S2\" id=\"t14_42\">2) </span><span class=\"SB96 SA7 S2\" id=\"t15_42\">Evaluation of Ukrainian sovereign exposures (government securities) and related reserves for expected credit </span><span class=\"SB97 SA7 S2\" id=\"t16_42\">losses </span><span class=\"SB98 SA7 S2\" id=\"t17_42\">a) </span><span class=\"SB99 SA7 S2\" id=\"t18_42\">exposures of the Ukrainian subsidiary bank </span><span class=\"SB9A SA7 S2\" id=\"t19_42\">b) </span><span class=\"SB9B SA7 S2\" id=\"t1a_42\">exposures of other members of the group (parent company and subsidiaries) </span><span class=\"SB9C SA7 S2\" id=\"t1b_42\">3) </span><span class=\"SB9D SA7 S2\" id=\"t1c_42\">evaluation of derivative transactions denominated in Russian rubles </span><span class=\"SB9E SA7 S2\" id=\"t1d_42\">4) </span><span class=\"SB9F SA7 S2\" id=\"t1e_42\">evaluation of derivative transactions denominated in the Ukrainian hryvnia </span><span class=\"SBA0 SA7 S2\" id=\"t1f_42\">5) </span><span class=\"SBA1 SA7 S2\" id=\"t1g_42\">claims against Russian and Ukrainian central banks, provisions for expected credit losses related to Russian </span><span class=\"SBA2 SA7 S2\" id=\"t1h_42\">and Ukrainian interbank claims and customer loans </span><span class=\"SBA3 SA7 S2\" id=\"t1i_42\">a) </span><span class=\"SBA4 SA7 S2\" id=\"t1j_42\">the impact of the deterioration of the Russian and Ukrainian macro-environment </span><span class=\"SBA5 SA7 S2\" id=\"t1k_42\">b) </span><span class=\"SBA6 SA7 S2\" id=\"t1l_42\">following direct exposure to the Russian and Ukrainian markets, non-Russian and Ukrainian bank </span><span class=\"SBA7 SA7 S2\" id=\"t1m_42\">exposures </span><span class=\"SBA8 SA7 S2\" id=\"t1n_42\">c) </span><span class=\"SBA9 SA7 S2\" id=\"t1o_42\">exposures of Russian and Ukrainian subsidiary banks </span><span class=\"SBAA SA7 S2\" id=\"t1p_42\">6) </span><span class=\"SBAB SA7 S2\" id=\"t1q_42\">evaluation of goodwill </span><span class=\"SBAC SA7 S2\" id=\"t1r_42\">7) </span><span class=\"SBAD SA7 S2\" id=\"t1s_42\">deferred tax assets </span><span class=\"SBB2 SB S2\" id=\"t5_43\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 December 2022 in connection with the evaluation of Russian and </span><span class=\"SBB3 SB S2\" id=\"t6_43\">Ukrainian exposures [continued] </span><span class=\"SBB4 SB S2\" id=\"t7_43\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these Consolidated Financial Statements [continued] </span><span class=\"SBB5 SC43 S2\" id=\"t8_43\">Russia </span><span class=\"SBB6 SC43 S2\" id=\"t9_43\">Ukraine </span><span class=\"SBB7 SC43 S2\" id=\"ta_43\">Other countries </span><span class=\"SBB8 SC43 S2\" id=\"tb_43\">Reference </span><span class=\"SBB9 SC43 S2\" id=\"tc_43\">Gross value </span><span class=\"SBBA SC43 S2\" id=\"td_43\">Impairment / </span><span class=\"SBBB SC43 S2\" id=\"te_43\">Depreciation </span><span class=\"SBBC SC43 S2\" id=\"tf_43\">Reference </span><span class=\"SBBD SC43 S2\" id=\"tg_43\">Gross value </span><span class=\"SBBE SC43 S2\" id=\"th_43\">Impairment / </span><span class=\"SBBF SC43 S2\" id=\"ti_43\">Depreciation </span><span class=\"SBC0 SC43 S2\" id=\"tj_43\">Reference </span><span class=\"SBC1 SC43 S2\" id=\"tk_43\">Gross value </span><span class=\"SBC2 SC43 S2\" id=\"tl_43\">Impairment / </span><span class=\"SBC3 SC43 S2\" id=\"tm_43\">Depreciation </span><span class=\"SBC4 S483 S2\" id=\"tn_43\">Cash, amounts due from banks and balances </span><span class=\"SBC5 S483 S2\" id=\"to_43\">with the National Banks </span><span class=\"SBC6 S483 S2\" id=\"tp_43\">41,143 </span><span class=\"SBC7 S483 S2\" id=\"tq_43\">- </span><span class=\"SBC8 S483 S2\" id=\"tr_43\">48,537 </span><span class=\"SBC9 S483 S2\" id=\"ts_43\">- </span><span class=\"SBCA S483 S2\" id=\"tt_43\">- </span><span class=\"SBCB S483 S2\" id=\"tu_43\">- </span><span class=\"SBCC S483 S2\" id=\"tv_43\">Placements with other banks </span><span class=\"SBCD S483 S2\" id=\"tw_43\">5 </span><span class=\"SBCE S483 S2\" id=\"tx_43\">248,192 </span><span class=\"SBCF S483 S2\" id=\"ty_43\">- </span><span class=\"SBD0 S483 S2\" id=\"tz_43\">5 </span><span class=\"SBD1 S483 S2\" id=\"t10_43\">36,835 </span><span class=\"SBD2 S483 S2\" id=\"t11_43\">(250) </span><span class=\"SBD3 S483 S2\" id=\"t12_43\">- </span><span class=\"SBD4 S483 S2\" id=\"t13_43\">- </span><span class=\"SBD5 S483 S2\" id=\"t14_43\">Financial assets at fair value through </span><span class=\"SBD6 S483 S2\" id=\"t15_43\">profit or loss - derivatives </span><span class=\"SBD7 S483 S2\" id=\"t16_43\">3 </span><span class=\"SBD8 S483 S2\" id=\"t17_43\">366 </span><span class=\"SBD9 S483 S2\" id=\"t18_43\">- </span><span class=\"SBDA S483 S2\" id=\"t19_43\">4 </span><span class=\"SBDB S483 S2\" id=\"t1a_43\">14 </span><span class=\"SBDC S483 S2\" id=\"t1b_43\">- </span><span class=\"SBDD S483 S2\" id=\"t1c_43\">- </span><span class=\"SBDE S483 S2\" id=\"t1d_43\">- </span><span class=\"SBDF S483 S2\" id=\"t1e_43\">Securities at fair value through other </span><span class=\"SBE0 S483 S2\" id=\"t1f_43\">comprehensive income </span><span class=\"SBE1 S483 S2\" id=\"t1g_43\">1a </span><span class=\"SBE2 S483 S2\" id=\"t1h_43\">22,051 </span><span class=\"SBE3 S483 S2\" id=\"t1i_43\">- </span><span class=\"SBE4 S483 S2\" id=\"t1j_43\">2a </span><span class=\"SBE5 S483 S2\" id=\"t1k_43\">26,601 </span><span class=\"SBE6 S483 S2\" id=\"t1l_43\">- </span><span class=\"SBE7 S483 S2\" id=\"t1m_43\">1b; 2b </span><span class=\"SBE8 S483 S2\" id=\"t1n_43\">71,683 </span><span class=\"SBE9 S483 S2\" id=\"t1o_43\">(43,003) </span><span class=\"SBEA S483 S2\" id=\"t1p_43\">Securities at amortized cost </span><span class=\"SBEB S483 S2\" id=\"t1q_43\">- </span><span class=\"SBEC S483 S2\" id=\"t1r_43\">- </span><span class=\"SBED S483 S2\" id=\"t1s_43\">2a </span><span class=\"SBEE S483 S2\" id=\"t1t_43\">309,128 </span><span class=\"SBEF S483 S2\" id=\"t1u_43\">(14) </span><span class=\"SBF0 S483 S2\" id=\"t1v_43\">1b; 2b </span><span class=\"SBF1 S483 S2\" id=\"t1w_43\">50,962 </span><span class=\"SBF2 S483 S2\" id=\"t1x_43\">(17,635) </span><span class=\"SBF3 S483 S2\" id=\"t1y_43\">Loans at amortized cost </span><span class=\"SBF4 S483 S2\" id=\"t1z_43\">5 </span><span class=\"SBF5 S483 S2\" id=\"t20_43\">792,217 </span><span class=\"SBF6 S483 S2\" id=\"t21_43\">(180,364) </span><span class=\"SBF7 S483 S2\" id=\"t22_43\">5 </span><span class=\"SBF8 S483 S2\" id=\"t23_43\">373,560 </span><span class=\"SBF9 S483 S2\" id=\"t24_43\">(87,860) </span><span class=\"SBFA S483 S2\" id=\"t25_43\">5 </span><span class=\"SBFB S483 S2\" id=\"t26_43\">11,311 </span><span class=\"SBFC S483 S2\" id=\"t27_43\">(6,929) </span><span class=\"SBFD S483 S2\" id=\"t28_43\">Finance lease receivables </span><span class=\"SBFE S483 S2\" id=\"t29_43\">- </span><span class=\"SBFF S483 S2\" id=\"t2a_43\">- </span><span class=\"SC00 S483 S2\" id=\"t2b_43\">153,090 </span><span class=\"SC01 S483 S2\" id=\"t2c_43\">(24,899) </span><span class=\"SC02 S483 S2\" id=\"t2d_43\">- </span><span class=\"SC03 S483 S2\" id=\"t2e_43\">- </span><span class=\"SC04 S483 S2\" id=\"t2f_43\">Associates and other investments </span><span class=\"SC05 S483 S2\" id=\"t2g_43\">58 </span><span class=\"SC06 S483 S2\" id=\"t2h_43\">(2) </span><span class=\"SC07 S483 S2\" id=\"t2i_43\">Property and equipment </span><span class=\"SC08 S483 S2\" id=\"t2j_43\">39,583 </span><span class=\"SC09 S483 S2\" id=\"t2k_43\">(25,058) </span><span class=\"SC0A S483 S2\" id=\"t2l_43\">14,132 </span><span class=\"SC0B S483 S2\" id=\"t2m_43\">(6,827) </span><span class=\"SC0C S483 S2\" id=\"t2n_43\">- </span><span class=\"SC0D S483 S2\" id=\"t2o_43\">- </span><span class=\"SC0E S483 S2\" id=\"t2p_43\">Intangible assets and goodwill </span><span class=\"SC0F S483 S2\" id=\"t2q_43\">37,524 </span><span class=\"SC10 S483 S2\" id=\"t2r_43\">(17,927) </span><span class=\"SC11 S483 S2\" id=\"t2s_43\">9,760 </span><span class=\"SC12 S483 S2\" id=\"t2t_43\">(5,897) </span><span class=\"SC13 S483 S2\" id=\"t2u_43\">6 </span><span class=\"SC14 S483 S2\" id=\"t2v_43\">40,866 </span><span class=\"SC15 S483 S2\" id=\"t2w_43\">(40,866) </span><span class=\"SC16 S483 S2\" id=\"t2x_43\">Right-of-use assets </span><span class=\"SC17 S483 S2\" id=\"t2y_43\">19,741 </span><span class=\"SC18 S483 S2\" id=\"t2z_43\">(10,555) </span><span class=\"SC19 S483 S2\" id=\"t30_43\">6,311 </span><span class=\"SC1A S483 S2\" id=\"t31_43\">(3,007) </span><span class=\"SC1B S483 S2\" id=\"t32_43\">- </span><span class=\"SC1C S483 S2\" id=\"t33_43\">- </span><span class=\"SC1D S483 S2\" id=\"t34_43\">Investment properties </span><span class=\"SC1E S483 S2\" id=\"t35_43\">- </span><span class=\"SC1F S483 S2\" id=\"t36_43\">- </span><span class=\"SC20 S483 S2\" id=\"t37_43\">252 </span><span class=\"SC21 S483 S2\" id=\"t38_43\">- </span><span class=\"SC22 S483 S2\" id=\"t39_43\">- </span><span class=\"SC23 S483 S2\" id=\"t3a_43\">- </span><span class=\"SC24 S483 S2\" id=\"t3b_43\">Deferred tax assets </span><span class=\"SC25 S483 S2\" id=\"t3c_43\">7 </span><span class=\"SC26 S483 S2\" id=\"t3d_43\">20,719 </span><span class=\"SC27 S483 S2\" id=\"t3e_43\">- </span><span class=\"SC28 S483 S2\" id=\"t3f_43\">7 </span><span class=\"SC29 S483 S2\" id=\"t3g_43\">- </span><span class=\"SC2A S483 S2\" id=\"t3h_43\">- </span><span class=\"SC2B S483 S2\" id=\"t3i_43\">- </span><span class=\"SC2C S483 S2\" id=\"t3j_43\">- </span><span class=\"SC2D S483 S2\" id=\"t3k_43\">Other assets </span><span class=\"SC2E S483 S2\" id=\"t3l_43\">36,237 </span><span class=\"SC2F S483 S2\" id=\"t3m_43\">(7,378) </span><span class=\"SC30 S483 S2\" id=\"t3n_43\">13,231 </span><span class=\"SC31 S483 S2\" id=\"t3o_43\">(1,097) </span><span class=\"SC32 S483 S2\" id=\"t3p_43\">- </span><span class=\"SC33 S483 S2\" id=\"t3q_43\">- </span><span class=\"SC34 SC43 S2\" id=\"t3r_43\">TOTAL ASSETS </span><span class=\"SC35 SC43 S2\" id=\"t3s_43\">1,257,831 </span><span class=\"SC36 SC43 S2\" id=\"t3t_43\">(241,284) </span><span class=\"SC37 SC43 S2\" id=\"t3u_43\">991,451 </span><span class=\"SC38 SC43 S2\" id=\"t3v_43\">(129,851) </span><span class=\"SC39 SC43 S2\" id=\"t3w_43\">174,822 </span><span class=\"SC3A SC43 S2\" id=\"t3x_43\">(108,433) </span><span class=\"SC3B S483 S2\" id=\"t3y_43\">Amounts due to banks, the National Governments, </span><span class=\"SC3C S483 S2\" id=\"t3z_43\">deposits from the National Banks and other banks </span><span class=\"SC3D S483 S2\" id=\"t40_43\">18,415 </span><span class=\"SC3E S483 S2\" id=\"t41_43\">- </span><span class=\"SC3F S483 S2\" id=\"t42_43\">26,125 </span><span class=\"SC40 S483 S2\" id=\"t43_43\">- </span><span class=\"SC41 S483 S2\" id=\"t44_43\">- </span><span class=\"SC42 S483 S2\" id=\"t45_43\">- </span><span class=\"SB76 SB S2\" id=\"t6_44\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_44\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC45 SB S2\" id=\"t8_44\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_44\">Consolidated Financial Statements [continued] </span><span class=\"S7DF SA7 S2\" id=\"ta_44\">During the evaluation of these assets, the Group applied the evaluation principles detailed below, which evaluation </span><span class=\"SC46 SA7 S2\" id=\"tb_44\">contains significant estimates on the part of the Management. The results of the estimates may vary significantly </span><span class=\"S7E1 SA7 S2\" id=\"tc_44\">depending on the development of the situation in the Russian-Ukrainian conflict. </span><span class=\"S5C4 SB S2\" id=\"td_44\">References </span><span class=\"SC47 SB S2\" id=\"te_44\">1a.  Evaluation of Russian sovereign exposures and related reserves for expected credit losses - exposures </span><span class=\"S819 SB S2\" id=\"tf_44\">of the Russian subsidiary bank </span><span class=\"SC48 SA7 S2\" id=\"tg_44\">Within Russia, Russian government securities are marketable, and their repayment is expected to take place in </span><span class=\"SC49 SA7 S2\" id=\"th_44\">accordance with the original conditions. The fair value calculation of securities is based on market prices available </span><span class=\"SC4A SA7 S2\" id=\"ti_44\">and observable on local trading platforms Due to the increased credit risk, the Bank classified these securities in </span><span class=\"S5CE SA7 S2\" id=\"tj_44\">the Stage 2 category. </span><span class=\"SC4B SB S2\" id=\"tk_44\">1b. Evaluation of Russian sovereign exposures and related reserves for expected credit losses - other </span><span class=\"SC4C SB S2\" id=\"tl_44\">exposures of the group </span><span class=\"SC4D SA7 S2\" id=\"tm_44\">Outside of Russia, the marketability of Russian government securities is significantly limited due to sanctions and </span><span class=\"SC4E SA7 S2\" id=\"tn_44\">capital market participants turning away from Russian securities. The credit rating of the Russian state was </span><span class=\"SC4F SA7 S2\" id=\"to_44\">withdrawn in 2022, the Group classifies the Russian state as non-performing, and in accordance with this, it </span><span class=\"SC50 SA7 S2\" id=\"tp_44\">assigned the affected exposures to the Stage 3 category. The Russian state not only recognizes its obligation and </span><span class=\"SC51 SA7 S2\" id=\"tq_44\">has the necessary financial reserves, but would also be willing to pay, so the increased loss potential is caused by </span><span class=\"SC52 SA7 S2\" id=\"tr_44\">non-traditional credit risks. In the case of a portfolio valued at fair value against other comprehensive income, the </span><span class=\"SC53 SA7 S2\" id=\"ts_44\">book value is determined based on the level 3 prices of IFRS13. Cash-flow estimation, current market benchmarks </span><span class=\"SC54 SA7 S2\" id=\"tt_44\">(provided by Bloomberg), liquidity and non-credit risk considerations were taken into account in fair value </span><span class=\"SC55 SA7 S2\" id=\"tu_44\">calculation. </span><span class=\"SC56 SB S2\" id=\"tv_44\">2a. Valuation of Ukrainian sovereign exposures and related reserves for expected credit losses - exposures </span><span class=\"S9C1 SB S2\" id=\"tw_44\">of the Ukrainian subsidiary bank </span><span class=\"SC57 SA7 S2\" id=\"tx_44\">The marketability of local government securities and the liquidity of the market are limited in Ukraine </span><span class=\"S762 SA7 S2\" id=\"ty_44\">Ukrainian government securities can only be found in the books of the Ukrainian subsidiary, due to the increased </span><span class=\"SC58 SA7 S2\" id=\"tz_44\">credit risk, these exposures are classified as Stage2. In the case of a portfolio valued at fair value against other </span><span class=\"SC59 SA7 S2\" id=\"t10_44\">comprehensive results, the book value is determined based on the level 3 prices of IFRS13. During the actual </span><span class=\"SC5A SA7 S2\" id=\"t11_44\">evaluation, the expected cash flow is discounted using yield curves observed based on current market benchmarks </span><span class=\"SC5B SA7 S2\" id=\"t12_44\">(published by the National Bank of Ukraine). </span><span class=\"SC5C SB S2\" id=\"t13_44\">2b. Valuation of Ukrainian sovereign exposures and related reserves for expected credit losses - other </span><span class=\"SC5D SB S2\" id=\"t14_44\">exposures of the group </span><span class=\"SC5E SA7 S2\" id=\"t15_44\">Ukrainian government securities are exclusively in the books of the Ukrainian subsidiary. </span><span class=\"SAD7 SB S2\" id=\"t16_44\">3. Valuation of Russian derivative transactions </span><span class=\"SC5F SA7 S2\" id=\"t17_44\">Similar to the bond market, in 2022 the money market inside and outside Russia will also be separated. In the case </span><span class=\"SC60 SA7 S2\" id=\"t18_44\">of futures contracts concluded with local partners on the Russian market, the evaluation is carried out using yield </span><span class=\"SC61 SA7 S2\" id=\"t19_44\">curves available and observable on the local market. In cases where one of the partners is not Russian, the </span><span class=\"SC62 SA7 S2\" id=\"t1a_44\">evaluation is done using yield curves available and observable on the international market. </span><span class=\"SC63 SA7 S2\" id=\"t1b_44\">In 2022, there was one case of non-performance, the impact of which was HUF 13.8 billion. </span><span class=\"SB76 SB S2\" id=\"t6_45\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_45\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC64 SB S2\" id=\"t8_45\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_45\">Consolidated Financial Statements [continued] </span><span class=\"SC65 SB S2\" id=\"ta_45\">References [continued] </span><span class=\"S7E1 SB S2\" id=\"tb_45\">4. Valuation of Ukrainian derivatives </span><span class=\"SC66 SA7 S2\" id=\"tc_45\">Similar to the bond market, in 2022 the liquidity and number of transactions in the Ukrainian money market were </span><span class=\"SC67 SA7 S2\" id=\"td_45\">limited. The Treasury turnover of the Ukrainian bank is low, and a significant part of the derivative transactions </span><span class=\"SC68 SA7 S2\" id=\"te_45\">are related to the bank's risk management and concluded with the parent company. During the actual evaluation, </span><span class=\"SC69 SA7 S2\" id=\"tf_45\">the expected cash-flow is discounted using yield curves observed based on current market benchmarks (published </span><span class=\"S7B0 SA7 S2\" id=\"tg_45\">by the National Bank of Ukraine). </span><span class=\"SC6A SB S2\" id=\"th_45\">5. Claims against Russian and Ukrainian central banks, provisions for expected credit losses related to </span><span class=\"SC6B SB S2\" id=\"ti_45\">Russian and Ukrainian interbank claims and customer loans </span><span class=\"SC6C SA7 S2\" id=\"tj_45\">As part of the continuous monitoring activity, OTP Group has explored and analyzed the secondary and tertiary </span><span class=\"SC6D SA7 S2\" id=\"tk_45\">negative effects of the war in the corporate segment for Group members outside of Russia and Ukraine, including </span><span class=\"SC6E SA7 S2\" id=\"tl_45\">the effects of the current sanctions policy. In the case of the affected customers, if the increased risk was </span><span class=\"SC6F SA7 S2\" id=\"tm_45\">substantiated, they were classified in the Stage 2 category, while in the case of non-performance, the Group </span><span class=\"SC70 SA7 S2\" id=\"tn_45\">classified the given exposures in the Stage 3 rating category. </span><span class=\"SC71 SA7 S2\" id=\"to_45\">In the case of Group members in Russia, the impact of the deteriorating economic environment compared to </span><span class=\"SC72 SA7 S2\" id=\"tp_45\">previous years was taken into account when determining the expected loss, however, the Bank does not expect </span><span class=\"S9E3 SA7 S2\" id=\"tq_45\">any further substantial deterioration of the economic environment. As a result of the cessation of active corporate </span><span class=\"SC73 SA7 S2\" id=\"tr_45\">lending, the exposure of corporate loans in rubles decreased by 75% in 2022. The retail credit market started to </span><span class=\"SC74 SA7 S2\" id=\"ts_45\">pick up again from the second half of the year, although the dynamics of lending fell short of the similar period of </span><span class=\"SC75 SA7 S2\" id=\"tt_45\">the previous year. </span><span class=\"SC76 SA7 S2\" id=\"tu_45\">In the case of Ukrainian Group members, the proportion of customers with increased risk (Stage2) and non- </span><span class=\"SC77 SA7 S2\" id=\"tv_45\">performing (Stage3) increased significantly in 2022. When determining the expected loss, the drastically </span><span class=\"SC78 SA7 S2\" id=\"tw_45\">deteriorating external environment in 2022 was taken into account, compared to which the Bank does not expect </span><span class=\"SC79 SA7 S2\" id=\"tx_45\">any further significant deterioration in 2023. The identification of the increased risk </span><span class=\"SC7A S5B9 S2\" id=\"ty_45\">\u2013 </span><span class=\"SC7B SA7 S2\" id=\"tz_45\">given the special situation </span><span class=\"SC7C S5B9 S2\" id=\"t10_45\">\u2013 </span><span class=\"SC7D SA7 S2\" id=\"t11_45\">extends to regionally different war activity. In addition, the territorial distribution of exposures was also taken </span><span class=\"SC7E SA7 S2\" id=\"t12_45\">into account when evaluating the expected loss, in the areas directly and indirectly affected by the war, the Bank </span><span class=\"SC7F SA7 S2\" id=\"t13_45\">does not expect a significant return for non-performing customers, regardless of economic trends. Adjusted for </span><span class=\"SC80 SA7 S2\" id=\"t14_45\">exchange rates, the stock of residential loans due in 2022 (Stage 1+2) fell by approximately half. New corporate </span><span class=\"SC81 SA7 S2\" id=\"t15_45\">lending is predominantly limited to the refinancing of existing frameworks, the corporate loan portfolio decreased </span><span class=\"SC82 SA7 S2\" id=\"t16_45\">by 20% and the leasing portfolio by 28% adjusted for exchange rates last year. In the residential segment, the </span><span class=\"SC83 SA7 S2\" id=\"t17_45\">Bank's activity dropped to a fraction from the end of February, and in the second half of the year, there was already </span><span class=\"SC84 SA7 S2\" id=\"t18_45\">a small recovery in commodity lending. </span><span class=\"SC85 SB S2\" id=\"t19_45\">6. </span><span class=\"SC86 SB S2\" id=\"t1a_45\">Evaluation of goodwill </span><span class=\"SC87 SA7 S2\" id=\"t1b_45\">In connection with the involvement in the Russian-Ukrainian conflict, as a result of the company value review, the </span><span class=\"SC88 SA7 S2\" id=\"t1c_45\">Group considered it necessary to fully write off the existing goodwill in the case of the Russian subsidiary bank in </span><span class=\"SC89 SA7 S2\" id=\"t1d_45\">the first quarter of 2022, the value of which as at 31 December 2021 was HUF 40.9 billion. The effect of goodwill </span><span class=\"SC8A SA7 S2\" id=\"t1e_45\">write-off on the result was HUF 67.7 billion, and a HUF 26.8 billion loss was accounted for against equity. In the </span><span class=\"SC8B SA7 S2\" id=\"t1f_45\">case of Ukraine, there was no goodwill write-off. </span><span class=\"SC8C SA7 S2\" id=\"t1g_45\">Based on current experience, the Group takes into account the macroeconomic effects of the current geopolitical </span><span class=\"SC8D SA7 S2\" id=\"t1h_45\">situation in the mid- to long-term when determining the impairment of investments in the case of countries affected </span><span class=\"SC8E SA7 S2\" id=\"t1i_45\">by the conflict. In the case of Russian and Ukrainian operations, we currently do not consider it likely that the </span><span class=\"S809 SA7 S2\" id=\"t1j_45\">estimated investment value before the conflict (2021) will be reached during the 3-year explicit period. </span><span class=\"SC90 SB S2\" id=\"t6_46\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_46\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC64 SB S2\" id=\"t8_46\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_46\">Consolidated Financial Statements [continued] </span><span class=\"SC65 SB S2\" id=\"ta_46\">References [continued] </span><span class=\"SC91 SB S2\" id=\"tb_46\">7. </span><span class=\"SC92 SB S2\" id=\"tc_46\">Deferred tax </span><span class=\"SC93 SA7 S2\" id=\"td_46\">Due to the uncertainty of the expected return, the Group did not recognize deferred tax assets in Ukraine, while in </span><span class=\"SC94 SA7 S2\" id=\"te_46\">Russia, the Group recognized HUF 20.7 billion in deferred tax assets. There is no limit to unused tax credits in </span><span class=\"SC95 SA7 S2\" id=\"tf_46\">Russia. In addition, if the bank's taxable loss were to increase (if the impairment calculated according to local rules </span><span class=\"SC96 SA7 S2\" id=\"tg_46\">approached the higher level of impairment according to IFRS), the difference between the settlement and the tax </span><span class=\"SA8B SA7 S2\" id=\"th_46\">loss would decrease, thus reducing the deferred tax asset. As a result, the bank was able to utilize the temporary </span><span class=\"SC97 SA7 S2\" id=\"ti_46\">deferred tax asset both in the expected profitable operation and in a possible loss scenario. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4063": {
   "value": "<span class=\"SAB5 SB S2\" id=\"td_37\">3.1. </span><span class=\"SAB6 SB S2\" id=\"te_37\">Loss allowances on financial instruments exposed to credit risk </span><span class=\"SAB7 SA7 S2\" id=\"tf_37\">The Group regularly assesses its financial instruments portfolio for loss allowance. Management determines the </span><span class=\"SAB8 SA7 S2\" id=\"tg_37\">adequacy of the loss allowances based upon reviews of individual loans and placements, recent loss experience, </span><span class=\"SAB9 SA7 S2\" id=\"th_37\">current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. </span><span class=\"SABA SA7 S2\" id=\"ti_37\">The use of the three-stage model was implemented for IFRS 9 purposes. The impairment methodology is used to </span><span class=\"SABB SA7 S2\" id=\"tj_37\">classify financial instruments in order to determine whether credit risk has significantly increased since initial </span><span class=\"SABC SA7 S2\" id=\"tk_37\">recognition and to identify the credit-impaired assets. For instruments with credit-impairment or significant </span><span class=\"SABD SA7 S2\" id=\"tl_37\">increase of credit risk lifetime expected losses are recognized (see more details in Note 37.1.) </span><span class=\"SABE SB S2\" id=\"tm_37\">3.2. </span><span class=\"SABF SB S2\" id=\"tn_37\">Valuation of instruments without direct quotations </span><span class=\"SAC0 SA7 S2\" id=\"to_37\">Financial instruments without direct quotations in an active market are valued using the valuation model technique. </span><span class=\"SAC1 SA7 S2\" id=\"tp_37\">The models are regularly reviewed and each model is calibrated for the most recent available market data. While </span><span class=\"SAC2 SA7 S2\" id=\"tq_37\">the models are built only on available data, their use is subject to certain assumptions and estimates (e.g. </span><span class=\"SAC3 SA7 S2\" id=\"tr_37\">correlations, volatilities, etc.). Changes in the model assumptions may affect the reported fair value of the relevant </span><span class=\"SAC4 SA7 S2\" id=\"ts_37\">financial instruments. </span><span class=\"SAC5 SA7 S2\" id=\"tt_37\">IFRS 13 Fair Value Measurement seeks to increase the consistency and comparability in fair value measurements </span><span class=\"SAC6 SA7 S2\" id=\"tu_37\">and related disclosures through a 'fair value hierarchy'. The hierarchy categorises the inputs used in valuation </span><span class=\"SAC7 SA7 S2\" id=\"tv_37\">techniques into three levels. The hierarchy gives the highest priority to (unadjusted) quoted prices in active markets </span><span class=\"SAC8 SA7 S2\" id=\"tw_37\">for identical assets or liabilities and the lowest priority to unobservable inputs. The Group evaluates the levelling </span><span class=\"SA69 SA7 S2\" id=\"tx_37\">at each reporting period on an instrument-by-instrument basis and reclassifies instruments when necessary, based </span><span class=\"SAC9 SA7 S2\" id=\"ty_37\">on the facts at the beginning of the reporting period. The objective of a fair value measurement is to estimate the </span><span class=\"SACA SA7 S2\" id=\"tz_37\">price at which an orderly transaction to sell the asset or to transfer the liability would take place between market </span><span class=\"SACB SA7 S2\" id=\"t10_37\">participants at the measurement date under current market conditions. </span><span class=\"S703 SB S2\" id=\"t11_37\">3.3. </span><span class=\"SACC SB S2\" id=\"t12_37\">Provisions </span><span class=\"SACD SA7 S2\" id=\"t13_37\">Provision is recognized and measured for commitments to extend credit and for warranties arising from banking </span><span class=\"SACE SA7 S2\" id=\"t14_37\">activities based on IFRS 9 Financial Instruments. Provision for these instruments is recognized based on the credit </span><span class=\"SACF SA7 S2\" id=\"t15_37\">conversion factor, which shows the proportion of the undrawn credit line that will probably be drawn. </span><span class=\"SAD0 SA7 S2\" id=\"t16_37\">Other provisions are recognized and measured based on IAS 37 Provisions, Contingent Liabilities and Contingent </span><span class=\"SAD1 SA7 S2\" id=\"t17_37\">Assets. The Group is involved in a number of ongoing legal disputes. Based upon historical experience and expert </span><span class=\"SAD2 SA7 S2\" id=\"t18_37\">reports, the Group assesses the developments in these cases, and the likelihood and the amount of potential </span><span class=\"SAD3 SA7 S2\" id=\"t19_37\">financial losses which are appropriately provided for. (See Note 24.) </span><span class=\"SAD4 SA7 S2\" id=\"t1a_37\">Other provision includes provision for litigation, provision for retirement and expected liabilities and provision </span><span class=\"SA18 SA7 S2\" id=\"t1b_37\">for confirmed letter of credit. </span><span class=\"SAD5 SA7 S2\" id=\"t1c_37\">A provision is recognized by the Group when it has a present obligation as a result of a past event, it is probable </span><span class=\"SAD6 SA7 S2\" id=\"t1d_37\">that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable </span><span class=\"SAD7 SA7 S2\" id=\"t1e_37\">estimate can be made of the amount of the obligation. </span><span class=\"S5BC SB S2\" id=\"t6_38\">3.4. </span><span class=\"SAD9 SB S2\" id=\"t7_38\">Impairment on goodwill </span><span class=\"SADA SA7 S2\" id=\"t8_38\">Goodwill acquired in a business combination is tested for impairment annually or more frequently when there is </span><span class=\"S8F2 SA7 S2\" id=\"t9_38\">an indication that the unit might </span><span class=\"SADB S5B9 S2\" id=\"ta_38\">be impaired, in accordance with IAS 36 \u201cImpairment of assets\u201d. </span><span class=\"SADC SA7 S2\" id=\"tb_38\">The Group calculates the fair value based on discounted cash-flow model. The 3-year period explicit cash-flow </span><span class=\"SADD SA7 S2\" id=\"tc_38\">model serves as a basis for the impairment test by which the Group defines the impairment need on goodwill based </span><span class=\"SADE SA7 S2\" id=\"td_38\">on the strategic factors and financial data of its cash-generating units. In the calculation of the goodwill impairment, </span><span class=\"SADF SA7 S2\" id=\"te_38\">also the expectations about possible variations in the amount or timing of those future cash-flows, the time value </span><span class=\"SAE0 SA7 S2\" id=\"tf_38\">of money, represented by the current market risk-free rate of interest and other factors are reflected. </span><span class=\"SAE1 SB S2\" id=\"tg_38\">3.5. </span><span class=\"SAE2 SB S2\" id=\"th_38\">Business model </span><span class=\"SAE3 SA7 S2\" id=\"ti_38\">A business model refers to how the Group manages its financial instruments in order to generate cash flows. It is </span><span class=\"SAE4 SA7 S2\" id=\"tj_38\">determined at a level that reflects how groups of financial instruments are managed rather than at an instrument </span><span class=\"SAE5 SA7 S2\" id=\"tk_38\">level. </span><span class=\"SAE6 SA7 S2\" id=\"tl_38\">The financial assets held by the Group are classified into three categories depending on the business model within </span><span class=\"SAE7 SA7 S2\" id=\"tm_38\">the financial assets are managed. </span><span class=\"SAE8 S602 S2\" id=\"tn_38\">\u2022 </span><span class=\"SAE9 SA7 S2\" id=\"to_38\">Business model whose objective is to hold financial assets in order to collect contractual cash flows. Some </span><span class=\"SAEA SA7 S2\" id=\"tp_38\">sales can be consistent with hold to collect business model and the Group assesses the nature, frequency </span><span class=\"SAEB SA7 S2\" id=\"tq_38\">and significance of any sales occurring. The Group does not consider the sale frequent when at least six </span><span class=\"SAEC SA7 S2\" id=\"tr_38\">months have elapsed between sales. The significant sales are those when the sales exceed 2% of the total </span><span class=\"SAED SA7 S2\" id=\"ts_38\">hold to collect portfolio. Within this business model the Group manages mainly loans and advances and </span><span class=\"SAEE SA7 S2\" id=\"tt_38\">long-term securities and other financial assets. </span><span class=\"SAEF S602 S2\" id=\"tu_38\">\u2022 </span><span class=\"SAF0 SA7 S2\" id=\"tv_38\">Business model whose objective is achieved by both collecting contractual cash flows and selling </span><span class=\"SAF1 SA7 S2\" id=\"tw_38\">financial assets. Within this business model the Group only manages securities. </span><span class=\"SAF2 S602 S2\" id=\"tx_38\">\u2022 </span><span class=\"SAF3 SA7 S2\" id=\"ty_38\">Business model whose objective is to achieve gains in a short-term period. Within this business model </span><span class=\"SAF4 SA7 S2\" id=\"tz_38\">the Group manages securities and derivative financial instrument. </span><span class=\"SAF5 SA7 S2\" id=\"t10_38\">If cash flows are realised in a way that is different from the expectations at the date that the Bank/Group assessed </span><span class=\"SAF6 S5B9 S2\" id=\"t11_38\">the business model, that does not give rise to a prior error in the Group\u2019s financial statements nor does it change </span><span class=\"SAF7 SA7 S2\" id=\"t12_38\">the classification of the remaining financial assets held in that business model. </span><span class=\"SAF8 SA7 S2\" id=\"t13_38\">When, and only when the Group changes its business model for managing financial assets it reclassifies all affected </span><span class=\"SAF9 S5B9 S2\" id=\"t14_38\">assets. Such changes are determined by the Group\u2019s senior management as a result of external or internal changes </span><span class=\"SAFA S5B9 S2\" id=\"t15_38\">and must be significant to the Group\u2019s operations a</span><span class=\"SAFB SA7 S2\" id=\"t16_38\">nd demonstrable to external parties. The Group shall not </span><span class=\"SAFC SA7 S2\" id=\"t17_38\">reclassify any financial liability. </span><span class=\"SAFD SB S2\" id=\"t18_38\">3.6. </span><span class=\"SAFE SB S2\" id=\"t19_38\">Contractual cash-flow characteristics of financial assets </span><span class=\"SAFF SA7 S2\" id=\"t1a_38\">Classification of a financial asset is based on the characteristics of its contractual cash flows if the financial asset </span><span class=\"SB00 SA7 S2\" id=\"t1b_38\">is held within a business model whose objective is to hold assets to collect contractual cash flows or within a </span><span class=\"SB01 SA7 S2\" id=\"t1c_38\">business model whose objective is achieved by both collecting contractual cash flows and selling financial assets. </span><span class=\"SB02 S5B9 S2\" id=\"t1d_38\">The Group should determine whether the asset\u2019s contractual cash flows are solely payments of principal and </span><span class=\"SB03 SA7 S2\" id=\"t1e_38\">interest on the principal amount outstanding (SPPI test). Contractual cash flows that are solely payments of </span><span class=\"SB04 SA7 S2\" id=\"t1f_38\">principal and interest on the principal amount outstanding are consistent with a basic lending arrangement. </span><span class=\"S5BC SB S2\" id=\"t6_39\">3.6. </span><span class=\"SB05 SB S2\" id=\"t7_39\">Contractual cash-flow characteristics of financial assets [continued] </span><span class=\"SB06 SA7 S2\" id=\"t8_39\">Contractual terms that introduce exposure to risks or volatility in the contractual cash flows that is unrelated to a </span><span class=\"SB07 SA7 S2\" id=\"t9_39\">basic lending arrangement, such as exposure to changes in equity prices or commodity prices, do not give rise to </span><span class=\"SB08 SA7 S2\" id=\"ta_39\">contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. The </span><span class=\"SB09 SA7 S2\" id=\"tb_39\">Group assesses whether contractual cash flows are solely payments of principal and interest on the principal </span><span class=\"S6B9 SA7 S2\" id=\"tc_39\">amount outstanding for the currency in which the financial asset is denominated. </span><span class=\"SB0A SA7 S2\" id=\"td_39\">The time value of money is the element of interest that provides consideration for only the passage of time. </span><span class=\"SB0B SA7 S2\" id=\"te_39\">However, in some cases, the time value of money element may be modified. In such cases, the Group assesses the </span><span class=\"SB0C SA7 S2\" id=\"tf_39\">modification to determine whether the contractual cash flows represent solely payments of principal and interest </span><span class=\"SB0D SA7 S2\" id=\"tg_39\">on the principal amount outstanding. </span><span class=\"SB0E SA7 S2\" id=\"th_39\">When assessing a modified time value of money element, the objective is to determine how different the </span><span class=\"SB0F SA7 S2\" id=\"ti_39\">undiscounted contractual cash flows could be from undiscounted cash flows that would arise if the time value of </span><span class=\"SB10 SA7 S2\" id=\"tj_39\">money element was not modified (the benchmark cash flows). The benchmark instrument can be an actual or a </span><span class=\"SA8E SA7 S2\" id=\"tk_39\">hypothetical financial asset. If the undiscounted contractual cash flows significantly </span><span class=\"SB11 S5B9 S2\" id=\"tl_39\">\u2013 </span><span class=\"SB12 SA7 S2\" id=\"tm_39\">above 2% </span><span class=\"SB13 S5B9 S2\" id=\"tn_39\">\u2013 </span><span class=\"SB14 SA7 S2\" id=\"to_39\">differ from the </span><span class=\"SB15 SA7 S2\" id=\"tp_39\">undiscounted benchmark cash flows, the financial asset should be subsequently measured at fair value through </span><span class=\"SB16 SA7 S2\" id=\"tq_39\">profit or loss. </span><span class=\"SB67 SB S2\" id=\"t13_41\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SB68 SB S2\" id=\"t14_41\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures </span><span class=\"S761 SB S2\" id=\"t15_41\">Going concern principle </span><span class=\"SB69 SA7 S2\" id=\"t16_41\">Russia launched an operation against Ukraine on 24 February 2022, which has not ended even as of the date of </span><span class=\"SB6A SA7 S2\" id=\"t17_41\">these Consolidated Financial Statements. Because of the armed conflict, many countries and the European Union </span><span class=\"S93D SA7 S2\" id=\"t18_41\">have imposed sanctions against Russia, Russian companies and citizens in several rounds. Russia responded to </span><span class=\"SB6B SA7 S2\" id=\"t19_41\">these sanctions with similar sanctions measures. </span><span class=\"S765 SA7 S2\" id=\"t1a_41\">Armed conflict and international sanctions significantly affect business and economic activity worldwide. </span><span class=\"SB6C SA7 S2\" id=\"t1b_41\">Under an unexpected and extremely negative scenario of deconsolidating the Ukrainian entity and writing down </span><span class=\"SB6D SA7 S2\" id=\"t1c_41\">the outstanding gross intragroup exposures as well, the effect for the consolidated CET1 ratio would be +1 bp, </span><span class=\"S942 SA7 S2\" id=\"t1d_41\">whereas in the case of Russia the impact would be -71 bps, based on the end of December 2022 numbers. </span><span class=\"SB6E S5B9 S2\" id=\"t1e_41\">OTP Group\u2019s Ukrainian operation incorporates the Ukrainian bank, as well as the leasing and factoring companies. </span><span class=\"SB6F SA7 S2\" id=\"t1f_41\">The country-consolidated Ukrainian total assets represented HUF 1,049 billion at the end of 2022 (3.2% of total </span><span class=\"SB70 SA7 S2\" id=\"t1g_41\">consolidated assets), while net loans comprised HUF 414 billion (2.2% of consolidated net loans) and </span><span class=\"SA1A S5B9 S2\" id=\"t1h_41\">shareholders\u2019 equity HUF 122 billion (3.7% of th</span><span class=\"SB71 SA7 S2\" id=\"t1i_41\">e consolidated total equity). </span><span class=\"SB72 SA7 S2\" id=\"t1j_41\">At the end of 2022 the gross intragroup funding towards the Ukrainian operation represented HUF 84 billion. </span><span class=\"S947 SA7 S2\" id=\"t1k_41\">In 2022 the Ukrainian operation posted an adjusted after-tax loss of HUF 15.9 billion. Regarding the trajectory of </span><span class=\"SB73 SA7 S2\" id=\"t1l_41\">the quarterly results, following the loss of HUF 34.4 billion realized in the first quarter, the financial performance </span><span class=\"SB74 SA7 S2\" id=\"t1m_41\">of the Ukrainian operation stabilized: in the second quarter around break-even result, then both in the third and the </span><span class=\"SB75 SA7 S2\" id=\"t1n_41\">fourth quarter a positive result was achieved. </span><span class=\"SB76 SB S2\" id=\"t6_42\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SB77 SB S2\" id=\"t7_42\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"S719 SB S2\" id=\"t8_42\">Going concern principle [continued] </span><span class=\"SB78 SA7 S2\" id=\"t9_42\">The total assets of </span><span class=\"SB79 S5B9 S2\" id=\"ta_42\">the Group\u2019s Russian operation represented HUF 1,030 billion at the end of 2022 (3.1% of </span><span class=\"SB7A SA7 S2\" id=\"tb_42\">consolidated total assets), while net loans comprised HUF 612 billion (3.3% of consolidated net loans) and </span><span class=\"SB7B S5B9 S2\" id=\"tc_42\">shareholders\u2019 equity HUF 306 billion (9.2% of consolidated to</span><span class=\"SB7C SA7 S2\" id=\"td_42\">tal equity). As the Russian subsidiary repaid its </span><span class=\"SB7D SA7 S2\" id=\"te_42\">maturing intragroup loans in the fourth quarter of 2022, the gross intragroup funding towards the Russian operation </span><span class=\"SB7E SA7 S2\" id=\"tf_42\">declined from HUF 75 billion equivalent at the end of 2021 to HUF 10 billion equivalent at the end of 2022 (these </span><span class=\"SB7F SA7 S2\" id=\"tg_42\">figures are practically the same as the net group funding due to the lack of deposits placement by Russia in the </span><span class=\"SB80 SA7 S2\" id=\"th_42\">Group). The remaining intragroup exposure toward the Russian operation at the end of 2022 was a subordinated </span><span class=\"SB81 SA7 S2\" id=\"ti_42\">loan.The Russian operation posted HUF 42.5 billion adjusted profit in 2022. Within that, HUF 27.2 billion loss </span><span class=\"SB82 SA7 S2\" id=\"tj_42\">was suffered in the first quarter, followed by profitable quarters in the remaining part of the year. </span><span class=\"SB83 SA7 S2\" id=\"tk_42\">In the case of Ukraine and Russia OTP management app</span><span class=\"SB84 S5B9 S2\" id=\"tl_42\">lies a \u201egoing concern\u201d approach, however in Russia the </span><span class=\"SB85 SA7 S2\" id=\"tm_42\">management is still considering all strategic options, though a Russian Presidential decree in October 2022 </span><span class=\"SB86 SA7 S2\" id=\"tn_42\">prohibited the sale of foreign owned banks. </span><span class=\"SB87 SA7 S2\" id=\"to_42\">Based on the current evaluation of the Bank's management, the Ukrainian-Russian conflict does not have a </span><span class=\"SB88 SA7 S2\" id=\"tp_42\">significant negative impact on the OTP Group's business activities, financial situation, effectiveness of its </span><span class=\"SB89 SA7 S2\" id=\"tq_42\">activities, liquidity, and capital situation. Even after the recognition of the potential losses and write-offs outlined </span><span class=\"SB8A SA7 S2\" id=\"tr_42\">above, the Group's capital adequacy remains above the expected regulatory level. There is no sign of significant </span><span class=\"S728 SA7 S2\" id=\"ts_42\">uncertainties having been arisen regarding carrying out its business as a going concern. </span><span class=\"SB8B SB S2\" id=\"tt_42\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"SB8C SB S2\" id=\"tu_42\">Consolidated Financial Statements </span><span class=\"SB63 SA7 S2\" id=\"tv_42\">During the preparation of these Consolidated Financial Statements, the Group identified the following estimates, </span><span class=\"SB8D SA7 S2\" id=\"tw_42\">which were significantly affected by the Russian-Ukrainian conflict: </span><span class=\"SB8E SA7 S2\" id=\"tx_42\">1) </span><span class=\"SB8F SA7 S2\" id=\"ty_42\">Evaluation of Russian sovereign exposures (government securities) and related reserves for expected credit </span><span class=\"SB90 SA7 S2\" id=\"tz_42\">losses </span><span class=\"SB91 SA7 S2\" id=\"t10_42\">a) </span><span class=\"SB92 SA7 S2\" id=\"t11_42\">exposures of the Russian subsidiary bank </span><span class=\"SB93 SA7 S2\" id=\"t12_42\">b) </span><span class=\"SB94 SA7 S2\" id=\"t13_42\">exposures of other members of the group (parent company and subsidiaries) </span><span class=\"SB95 SA7 S2\" id=\"t14_42\">2) </span><span class=\"SB96 SA7 S2\" id=\"t15_42\">Evaluation of Ukrainian sovereign exposures (government securities) and related reserves for expected credit </span><span class=\"SB97 SA7 S2\" id=\"t16_42\">losses </span><span class=\"SB98 SA7 S2\" id=\"t17_42\">a) </span><span class=\"SB99 SA7 S2\" id=\"t18_42\">exposures of the Ukrainian subsidiary bank </span><span class=\"SB9A SA7 S2\" id=\"t19_42\">b) </span><span class=\"SB9B SA7 S2\" id=\"t1a_42\">exposures of other members of the group (parent company and subsidiaries) </span><span class=\"SB9C SA7 S2\" id=\"t1b_42\">3) </span><span class=\"SB9D SA7 S2\" id=\"t1c_42\">evaluation of derivative transactions denominated in Russian rubles </span><span class=\"SB9E SA7 S2\" id=\"t1d_42\">4) </span><span class=\"SB9F SA7 S2\" id=\"t1e_42\">evaluation of derivative transactions denominated in the Ukrainian hryvnia </span><span class=\"SBA0 SA7 S2\" id=\"t1f_42\">5) </span><span class=\"SBA1 SA7 S2\" id=\"t1g_42\">claims against Russian and Ukrainian central banks, provisions for expected credit losses related to Russian </span><span class=\"SBA2 SA7 S2\" id=\"t1h_42\">and Ukrainian interbank claims and customer loans </span><span class=\"SBA3 SA7 S2\" id=\"t1i_42\">a) </span><span class=\"SBA4 SA7 S2\" id=\"t1j_42\">the impact of the deterioration of the Russian and Ukrainian macro-environment </span><span class=\"SBA5 SA7 S2\" id=\"t1k_42\">b) </span><span class=\"SBA6 SA7 S2\" id=\"t1l_42\">following direct exposure to the Russian and Ukrainian markets, non-Russian and Ukrainian bank </span><span class=\"SBA7 SA7 S2\" id=\"t1m_42\">exposures </span><span class=\"SBA8 SA7 S2\" id=\"t1n_42\">c) </span><span class=\"SBA9 SA7 S2\" id=\"t1o_42\">exposures of Russian and Ukrainian subsidiary banks </span><span class=\"SBAA SA7 S2\" id=\"t1p_42\">6) </span><span class=\"SBAB SA7 S2\" id=\"t1q_42\">evaluation of goodwill </span><span class=\"SBAC SA7 S2\" id=\"t1r_42\">7) </span><span class=\"SBAD SA7 S2\" id=\"t1s_42\">deferred tax assets </span><span class=\"SBB2 SB S2\" id=\"t5_43\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 December 2022 in connection with the evaluation of Russian and </span><span class=\"SBB3 SB S2\" id=\"t6_43\">Ukrainian exposures [continued] </span><span class=\"SBB4 SB S2\" id=\"t7_43\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these Consolidated Financial Statements [continued] </span><span class=\"SBB5 SC43 S2\" id=\"t8_43\">Russia </span><span class=\"SBB6 SC43 S2\" id=\"t9_43\">Ukraine </span><span class=\"SBB7 SC43 S2\" id=\"ta_43\">Other countries </span><span class=\"SBB8 SC43 S2\" id=\"tb_43\">Reference </span><span class=\"SBB9 SC43 S2\" id=\"tc_43\">Gross value </span><span class=\"SBBA SC43 S2\" id=\"td_43\">Impairment / </span><span class=\"SBBB SC43 S2\" id=\"te_43\">Depreciation </span><span class=\"SBBC SC43 S2\" id=\"tf_43\">Reference </span><span class=\"SBBD SC43 S2\" id=\"tg_43\">Gross value </span><span class=\"SBBE SC43 S2\" id=\"th_43\">Impairment / </span><span class=\"SBBF SC43 S2\" id=\"ti_43\">Depreciation </span><span class=\"SBC0 SC43 S2\" id=\"tj_43\">Reference </span><span class=\"SBC1 SC43 S2\" id=\"tk_43\">Gross value </span><span class=\"SBC2 SC43 S2\" id=\"tl_43\">Impairment / </span><span class=\"SBC3 SC43 S2\" id=\"tm_43\">Depreciation </span><span class=\"SBC4 S483 S2\" id=\"tn_43\">Cash, amounts due from banks and balances </span><span class=\"SBC5 S483 S2\" id=\"to_43\">with the National Banks </span><span class=\"SBC6 S483 S2\" id=\"tp_43\">41,143 </span><span class=\"SBC7 S483 S2\" id=\"tq_43\">- </span><span class=\"SBC8 S483 S2\" id=\"tr_43\">48,537 </span><span class=\"SBC9 S483 S2\" id=\"ts_43\">- </span><span class=\"SBCA S483 S2\" id=\"tt_43\">- </span><span class=\"SBCB S483 S2\" id=\"tu_43\">- </span><span class=\"SBCC S483 S2\" id=\"tv_43\">Placements with other banks </span><span class=\"SBCD S483 S2\" id=\"tw_43\">5 </span><span class=\"SBCE S483 S2\" id=\"tx_43\">248,192 </span><span class=\"SBCF S483 S2\" id=\"ty_43\">- </span><span class=\"SBD0 S483 S2\" id=\"tz_43\">5 </span><span class=\"SBD1 S483 S2\" id=\"t10_43\">36,835 </span><span class=\"SBD2 S483 S2\" id=\"t11_43\">(250) </span><span class=\"SBD3 S483 S2\" id=\"t12_43\">- </span><span class=\"SBD4 S483 S2\" id=\"t13_43\">- </span><span class=\"SBD5 S483 S2\" id=\"t14_43\">Financial assets at fair value through </span><span class=\"SBD6 S483 S2\" id=\"t15_43\">profit or loss - derivatives </span><span class=\"SBD7 S483 S2\" id=\"t16_43\">3 </span><span class=\"SBD8 S483 S2\" id=\"t17_43\">366 </span><span class=\"SBD9 S483 S2\" id=\"t18_43\">- </span><span class=\"SBDA S483 S2\" id=\"t19_43\">4 </span><span class=\"SBDB S483 S2\" id=\"t1a_43\">14 </span><span class=\"SBDC S483 S2\" id=\"t1b_43\">- </span><span class=\"SBDD S483 S2\" id=\"t1c_43\">- </span><span class=\"SBDE S483 S2\" id=\"t1d_43\">- </span><span class=\"SBDF S483 S2\" id=\"t1e_43\">Securities at fair value through other </span><span class=\"SBE0 S483 S2\" id=\"t1f_43\">comprehensive income </span><span class=\"SBE1 S483 S2\" id=\"t1g_43\">1a </span><span class=\"SBE2 S483 S2\" id=\"t1h_43\">22,051 </span><span class=\"SBE3 S483 S2\" id=\"t1i_43\">- </span><span class=\"SBE4 S483 S2\" id=\"t1j_43\">2a </span><span class=\"SBE5 S483 S2\" id=\"t1k_43\">26,601 </span><span class=\"SBE6 S483 S2\" id=\"t1l_43\">- </span><span class=\"SBE7 S483 S2\" id=\"t1m_43\">1b; 2b </span><span class=\"SBE8 S483 S2\" id=\"t1n_43\">71,683 </span><span class=\"SBE9 S483 S2\" id=\"t1o_43\">(43,003) </span><span class=\"SBEA S483 S2\" id=\"t1p_43\">Securities at amortized cost </span><span class=\"SBEB S483 S2\" id=\"t1q_43\">- </span><span class=\"SBEC S483 S2\" id=\"t1r_43\">- </span><span class=\"SBED S483 S2\" id=\"t1s_43\">2a </span><span class=\"SBEE S483 S2\" id=\"t1t_43\">309,128 </span><span class=\"SBEF S483 S2\" id=\"t1u_43\">(14) </span><span class=\"SBF0 S483 S2\" id=\"t1v_43\">1b; 2b </span><span class=\"SBF1 S483 S2\" id=\"t1w_43\">50,962 </span><span class=\"SBF2 S483 S2\" id=\"t1x_43\">(17,635) </span><span class=\"SBF3 S483 S2\" id=\"t1y_43\">Loans at amortized cost </span><span class=\"SBF4 S483 S2\" id=\"t1z_43\">5 </span><span class=\"SBF5 S483 S2\" id=\"t20_43\">792,217 </span><span class=\"SBF6 S483 S2\" id=\"t21_43\">(180,364) </span><span class=\"SBF7 S483 S2\" id=\"t22_43\">5 </span><span class=\"SBF8 S483 S2\" id=\"t23_43\">373,560 </span><span class=\"SBF9 S483 S2\" id=\"t24_43\">(87,860) </span><span class=\"SBFA S483 S2\" id=\"t25_43\">5 </span><span class=\"SBFB S483 S2\" id=\"t26_43\">11,311 </span><span class=\"SBFC S483 S2\" id=\"t27_43\">(6,929) </span><span class=\"SBFD S483 S2\" id=\"t28_43\">Finance lease receivables </span><span class=\"SBFE S483 S2\" id=\"t29_43\">- </span><span class=\"SBFF S483 S2\" id=\"t2a_43\">- </span><span class=\"SC00 S483 S2\" id=\"t2b_43\">153,090 </span><span class=\"SC01 S483 S2\" id=\"t2c_43\">(24,899) </span><span class=\"SC02 S483 S2\" id=\"t2d_43\">- </span><span class=\"SC03 S483 S2\" id=\"t2e_43\">- </span><span class=\"SC04 S483 S2\" id=\"t2f_43\">Associates and other investments </span><span class=\"SC05 S483 S2\" id=\"t2g_43\">58 </span><span class=\"SC06 S483 S2\" id=\"t2h_43\">(2) </span><span class=\"SC07 S483 S2\" id=\"t2i_43\">Property and equipment </span><span class=\"SC08 S483 S2\" id=\"t2j_43\">39,583 </span><span class=\"SC09 S483 S2\" id=\"t2k_43\">(25,058) </span><span class=\"SC0A S483 S2\" id=\"t2l_43\">14,132 </span><span class=\"SC0B S483 S2\" id=\"t2m_43\">(6,827) </span><span class=\"SC0C S483 S2\" id=\"t2n_43\">- </span><span class=\"SC0D S483 S2\" id=\"t2o_43\">- </span><span class=\"SC0E S483 S2\" id=\"t2p_43\">Intangible assets and goodwill </span><span class=\"SC0F S483 S2\" id=\"t2q_43\">37,524 </span><span class=\"SC10 S483 S2\" id=\"t2r_43\">(17,927) </span><span class=\"SC11 S483 S2\" id=\"t2s_43\">9,760 </span><span class=\"SC12 S483 S2\" id=\"t2t_43\">(5,897) </span><span class=\"SC13 S483 S2\" id=\"t2u_43\">6 </span><span class=\"SC14 S483 S2\" id=\"t2v_43\">40,866 </span><span class=\"SC15 S483 S2\" id=\"t2w_43\">(40,866) </span><span class=\"SC16 S483 S2\" id=\"t2x_43\">Right-of-use assets </span><span class=\"SC17 S483 S2\" id=\"t2y_43\">19,741 </span><span class=\"SC18 S483 S2\" id=\"t2z_43\">(10,555) </span><span class=\"SC19 S483 S2\" id=\"t30_43\">6,311 </span><span class=\"SC1A S483 S2\" id=\"t31_43\">(3,007) </span><span class=\"SC1B S483 S2\" id=\"t32_43\">- </span><span class=\"SC1C S483 S2\" id=\"t33_43\">- </span><span class=\"SC1D S483 S2\" id=\"t34_43\">Investment properties </span><span class=\"SC1E S483 S2\" id=\"t35_43\">- </span><span class=\"SC1F S483 S2\" id=\"t36_43\">- </span><span class=\"SC20 S483 S2\" id=\"t37_43\">252 </span><span class=\"SC21 S483 S2\" id=\"t38_43\">- </span><span class=\"SC22 S483 S2\" id=\"t39_43\">- </span><span class=\"SC23 S483 S2\" id=\"t3a_43\">- </span><span class=\"SC24 S483 S2\" id=\"t3b_43\">Deferred tax assets </span><span class=\"SC25 S483 S2\" id=\"t3c_43\">7 </span><span class=\"SC26 S483 S2\" id=\"t3d_43\">20,719 </span><span class=\"SC27 S483 S2\" id=\"t3e_43\">- </span><span class=\"SC28 S483 S2\" id=\"t3f_43\">7 </span><span class=\"SC29 S483 S2\" id=\"t3g_43\">- </span><span class=\"SC2A S483 S2\" id=\"t3h_43\">- </span><span class=\"SC2B S483 S2\" id=\"t3i_43\">- </span><span class=\"SC2C S483 S2\" id=\"t3j_43\">- </span><span class=\"SC2D S483 S2\" id=\"t3k_43\">Other assets </span><span class=\"SC2E S483 S2\" id=\"t3l_43\">36,237 </span><span class=\"SC2F S483 S2\" id=\"t3m_43\">(7,378) </span><span class=\"SC30 S483 S2\" id=\"t3n_43\">13,231 </span><span class=\"SC31 S483 S2\" id=\"t3o_43\">(1,097) </span><span class=\"SC32 S483 S2\" id=\"t3p_43\">- </span><span class=\"SC33 S483 S2\" id=\"t3q_43\">- </span><span class=\"SC34 SC43 S2\" id=\"t3r_43\">TOTAL ASSETS </span><span class=\"SC35 SC43 S2\" id=\"t3s_43\">1,257,831 </span><span class=\"SC36 SC43 S2\" id=\"t3t_43\">(241,284) </span><span class=\"SC37 SC43 S2\" id=\"t3u_43\">991,451 </span><span class=\"SC38 SC43 S2\" id=\"t3v_43\">(129,851) </span><span class=\"SC39 SC43 S2\" id=\"t3w_43\">174,822 </span><span class=\"SC3A SC43 S2\" id=\"t3x_43\">(108,433) </span><span class=\"SC3B S483 S2\" id=\"t3y_43\">Amounts due to banks, the National Governments, </span><span class=\"SC3C S483 S2\" id=\"t3z_43\">deposits from the National Banks and other banks </span><span class=\"SC3D S483 S2\" id=\"t40_43\">18,415 </span><span class=\"SC3E S483 S2\" id=\"t41_43\">- </span><span class=\"SC3F S483 S2\" id=\"t42_43\">26,125 </span><span class=\"SC40 S483 S2\" id=\"t43_43\">- </span><span class=\"SC41 S483 S2\" id=\"t44_43\">- </span><span class=\"SC42 S483 S2\" id=\"t45_43\">- </span><span class=\"SB76 SB S2\" id=\"t6_44\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_44\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC45 SB S2\" id=\"t8_44\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_44\">Consolidated Financial Statements [continued] </span><span class=\"S7DF SA7 S2\" id=\"ta_44\">During the evaluation of these assets, the Group applied the evaluation principles detailed below, which evaluation </span><span class=\"SC46 SA7 S2\" id=\"tb_44\">contains significant estimates on the part of the Management. The results of the estimates may vary significantly </span><span class=\"S7E1 SA7 S2\" id=\"tc_44\">depending on the development of the situation in the Russian-Ukrainian conflict. </span><span class=\"S5C4 SB S2\" id=\"td_44\">References </span><span class=\"SC47 SB S2\" id=\"te_44\">1a.  Evaluation of Russian sovereign exposures and related reserves for expected credit losses - exposures </span><span class=\"S819 SB S2\" id=\"tf_44\">of the Russian subsidiary bank </span><span class=\"SC48 SA7 S2\" id=\"tg_44\">Within Russia, Russian government securities are marketable, and their repayment is expected to take place in </span><span class=\"SC49 SA7 S2\" id=\"th_44\">accordance with the original conditions. The fair value calculation of securities is based on market prices available </span><span class=\"SC4A SA7 S2\" id=\"ti_44\">and observable on local trading platforms Due to the increased credit risk, the Bank classified these securities in </span><span class=\"S5CE SA7 S2\" id=\"tj_44\">the Stage 2 category. </span><span class=\"SC4B SB S2\" id=\"tk_44\">1b. Evaluation of Russian sovereign exposures and related reserves for expected credit losses - other </span><span class=\"SC4C SB S2\" id=\"tl_44\">exposures of the group </span><span class=\"SC4D SA7 S2\" id=\"tm_44\">Outside of Russia, the marketability of Russian government securities is significantly limited due to sanctions and </span><span class=\"SC4E SA7 S2\" id=\"tn_44\">capital market participants turning away from Russian securities. The credit rating of the Russian state was </span><span class=\"SC4F SA7 S2\" id=\"to_44\">withdrawn in 2022, the Group classifies the Russian state as non-performing, and in accordance with this, it </span><span class=\"SC50 SA7 S2\" id=\"tp_44\">assigned the affected exposures to the Stage 3 category. The Russian state not only recognizes its obligation and </span><span class=\"SC51 SA7 S2\" id=\"tq_44\">has the necessary financial reserves, but would also be willing to pay, so the increased loss potential is caused by </span><span class=\"SC52 SA7 S2\" id=\"tr_44\">non-traditional credit risks. In the case of a portfolio valued at fair value against other comprehensive income, the </span><span class=\"SC53 SA7 S2\" id=\"ts_44\">book value is determined based on the level 3 prices of IFRS13. Cash-flow estimation, current market benchmarks </span><span class=\"SC54 SA7 S2\" id=\"tt_44\">(provided by Bloomberg), liquidity and non-credit risk considerations were taken into account in fair value </span><span class=\"SC55 SA7 S2\" id=\"tu_44\">calculation. </span><span class=\"SC56 SB S2\" id=\"tv_44\">2a. Valuation of Ukrainian sovereign exposures and related reserves for expected credit losses - exposures </span><span class=\"S9C1 SB S2\" id=\"tw_44\">of the Ukrainian subsidiary bank </span><span class=\"SC57 SA7 S2\" id=\"tx_44\">The marketability of local government securities and the liquidity of the market are limited in Ukraine </span><span class=\"S762 SA7 S2\" id=\"ty_44\">Ukrainian government securities can only be found in the books of the Ukrainian subsidiary, due to the increased </span><span class=\"SC58 SA7 S2\" id=\"tz_44\">credit risk, these exposures are classified as Stage2. In the case of a portfolio valued at fair value against other </span><span class=\"SC59 SA7 S2\" id=\"t10_44\">comprehensive results, the book value is determined based on the level 3 prices of IFRS13. During the actual </span><span class=\"SC5A SA7 S2\" id=\"t11_44\">evaluation, the expected cash flow is discounted using yield curves observed based on current market benchmarks </span><span class=\"SC5B SA7 S2\" id=\"t12_44\">(published by the National Bank of Ukraine). </span><span class=\"SC5C SB S2\" id=\"t13_44\">2b. Valuation of Ukrainian sovereign exposures and related reserves for expected credit losses - other </span><span class=\"SC5D SB S2\" id=\"t14_44\">exposures of the group </span><span class=\"SC5E SA7 S2\" id=\"t15_44\">Ukrainian government securities are exclusively in the books of the Ukrainian subsidiary. </span><span class=\"SAD7 SB S2\" id=\"t16_44\">3. Valuation of Russian derivative transactions </span><span class=\"SC5F SA7 S2\" id=\"t17_44\">Similar to the bond market, in 2022 the money market inside and outside Russia will also be separated. In the case </span><span class=\"SC60 SA7 S2\" id=\"t18_44\">of futures contracts concluded with local partners on the Russian market, the evaluation is carried out using yield </span><span class=\"SC61 SA7 S2\" id=\"t19_44\">curves available and observable on the local market. In cases where one of the partners is not Russian, the </span><span class=\"SC62 SA7 S2\" id=\"t1a_44\">evaluation is done using yield curves available and observable on the international market. </span><span class=\"SC63 SA7 S2\" id=\"t1b_44\">In 2022, there was one case of non-performance, the impact of which was HUF 13.8 billion. </span><span class=\"SB76 SB S2\" id=\"t6_45\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_45\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC64 SB S2\" id=\"t8_45\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_45\">Consolidated Financial Statements [continued] </span><span class=\"SC65 SB S2\" id=\"ta_45\">References [continued] </span><span class=\"S7E1 SB S2\" id=\"tb_45\">4. Valuation of Ukrainian derivatives </span><span class=\"SC66 SA7 S2\" id=\"tc_45\">Similar to the bond market, in 2022 the liquidity and number of transactions in the Ukrainian money market were </span><span class=\"SC67 SA7 S2\" id=\"td_45\">limited. The Treasury turnover of the Ukrainian bank is low, and a significant part of the derivative transactions </span><span class=\"SC68 SA7 S2\" id=\"te_45\">are related to the bank's risk management and concluded with the parent company. During the actual evaluation, </span><span class=\"SC69 SA7 S2\" id=\"tf_45\">the expected cash-flow is discounted using yield curves observed based on current market benchmarks (published </span><span class=\"S7B0 SA7 S2\" id=\"tg_45\">by the National Bank of Ukraine). </span><span class=\"SC6A SB S2\" id=\"th_45\">5. Claims against Russian and Ukrainian central banks, provisions for expected credit losses related to </span><span class=\"SC6B SB S2\" id=\"ti_45\">Russian and Ukrainian interbank claims and customer loans </span><span class=\"SC6C SA7 S2\" id=\"tj_45\">As part of the continuous monitoring activity, OTP Group has explored and analyzed the secondary and tertiary </span><span class=\"SC6D SA7 S2\" id=\"tk_45\">negative effects of the war in the corporate segment for Group members outside of Russia and Ukraine, including </span><span class=\"SC6E SA7 S2\" id=\"tl_45\">the effects of the current sanctions policy. In the case of the affected customers, if the increased risk was </span><span class=\"SC6F SA7 S2\" id=\"tm_45\">substantiated, they were classified in the Stage 2 category, while in the case of non-performance, the Group </span><span class=\"SC70 SA7 S2\" id=\"tn_45\">classified the given exposures in the Stage 3 rating category. </span><span class=\"SC71 SA7 S2\" id=\"to_45\">In the case of Group members in Russia, the impact of the deteriorating economic environment compared to </span><span class=\"SC72 SA7 S2\" id=\"tp_45\">previous years was taken into account when determining the expected loss, however, the Bank does not expect </span><span class=\"S9E3 SA7 S2\" id=\"tq_45\">any further substantial deterioration of the economic environment. As a result of the cessation of active corporate </span><span class=\"SC73 SA7 S2\" id=\"tr_45\">lending, the exposure of corporate loans in rubles decreased by 75% in 2022. The retail credit market started to </span><span class=\"SC74 SA7 S2\" id=\"ts_45\">pick up again from the second half of the year, although the dynamics of lending fell short of the similar period of </span><span class=\"SC75 SA7 S2\" id=\"tt_45\">the previous year. </span><span class=\"SC76 SA7 S2\" id=\"tu_45\">In the case of Ukrainian Group members, the proportion of customers with increased risk (Stage2) and non- </span><span class=\"SC77 SA7 S2\" id=\"tv_45\">performing (Stage3) increased significantly in 2022. When determining the expected loss, the drastically </span><span class=\"SC78 SA7 S2\" id=\"tw_45\">deteriorating external environment in 2022 was taken into account, compared to which the Bank does not expect </span><span class=\"SC79 SA7 S2\" id=\"tx_45\">any further significant deterioration in 2023. The identification of the increased risk </span><span class=\"SC7A S5B9 S2\" id=\"ty_45\">\u2013 </span><span class=\"SC7B SA7 S2\" id=\"tz_45\">given the special situation </span><span class=\"SC7C S5B9 S2\" id=\"t10_45\">\u2013 </span><span class=\"SC7D SA7 S2\" id=\"t11_45\">extends to regionally different war activity. In addition, the territorial distribution of exposures was also taken </span><span class=\"SC7E SA7 S2\" id=\"t12_45\">into account when evaluating the expected loss, in the areas directly and indirectly affected by the war, the Bank </span><span class=\"SC7F SA7 S2\" id=\"t13_45\">does not expect a significant return for non-performing customers, regardless of economic trends. Adjusted for </span><span class=\"SC80 SA7 S2\" id=\"t14_45\">exchange rates, the stock of residential loans due in 2022 (Stage 1+2) fell by approximately half. New corporate </span><span class=\"SC81 SA7 S2\" id=\"t15_45\">lending is predominantly limited to the refinancing of existing frameworks, the corporate loan portfolio decreased </span><span class=\"SC82 SA7 S2\" id=\"t16_45\">by 20% and the leasing portfolio by 28% adjusted for exchange rates last year. In the residential segment, the </span><span class=\"SC83 SA7 S2\" id=\"t17_45\">Bank's activity dropped to a fraction from the end of February, and in the second half of the year, there was already </span><span class=\"SC84 SA7 S2\" id=\"t18_45\">a small recovery in commodity lending. </span><span class=\"SC85 SB S2\" id=\"t19_45\">6. </span><span class=\"SC86 SB S2\" id=\"t1a_45\">Evaluation of goodwill </span><span class=\"SC87 SA7 S2\" id=\"t1b_45\">In connection with the involvement in the Russian-Ukrainian conflict, as a result of the company value review, the </span><span class=\"SC88 SA7 S2\" id=\"t1c_45\">Group considered it necessary to fully write off the existing goodwill in the case of the Russian subsidiary bank in </span><span class=\"SC89 SA7 S2\" id=\"t1d_45\">the first quarter of 2022, the value of which as at 31 December 2021 was HUF 40.9 billion. The effect of goodwill </span><span class=\"SC8A SA7 S2\" id=\"t1e_45\">write-off on the result was HUF 67.7 billion, and a HUF 26.8 billion loss was accounted for against equity. In the </span><span class=\"SC8B SA7 S2\" id=\"t1f_45\">case of Ukraine, there was no goodwill write-off. </span><span class=\"SC8C SA7 S2\" id=\"t1g_45\">Based on current experience, the Group takes into account the macroeconomic effects of the current geopolitical </span><span class=\"SC8D SA7 S2\" id=\"t1h_45\">situation in the mid- to long-term when determining the impairment of investments in the case of countries affected </span><span class=\"SC8E SA7 S2\" id=\"t1i_45\">by the conflict. In the case of Russian and Ukrainian operations, we currently do not consider it likely that the </span><span class=\"S809 SA7 S2\" id=\"t1j_45\">estimated investment value before the conflict (2021) will be reached during the 3-year explicit period. </span><span class=\"SC90 SB S2\" id=\"t6_46\">The principles used in the preparation of the Consolidated Statement of Financial Position as at 31 </span><span class=\"SC44 SB S2\" id=\"t7_46\">December 2022 in connection with the evaluation of Russian and Ukrainian exposures [continued] </span><span class=\"SC64 SB S2\" id=\"t8_46\">Significant estimates affected by the Russian-Ukrainian conflict during the preparation of these </span><span class=\"S871 SB S2\" id=\"t9_46\">Consolidated Financial Statements [continued] </span><span class=\"SC65 SB S2\" id=\"ta_46\">References [continued] </span><span class=\"SC91 SB S2\" id=\"tb_46\">7. </span><span class=\"SC92 SB S2\" id=\"tc_46\">Deferred tax </span><span class=\"SC93 SA7 S2\" id=\"td_46\">Due to the uncertainty of the expected return, the Group did not recognize deferred tax assets in Ukraine, while in </span><span class=\"SC94 SA7 S2\" id=\"te_46\">Russia, the Group recognized HUF 20.7 billion in deferred tax assets. There is no limit to unused tax credits in </span><span class=\"SC95 SA7 S2\" id=\"tf_46\">Russia. In addition, if the bank's taxable loss were to increase (if the impairment calculated according to local rules </span><span class=\"SC96 SA7 S2\" id=\"tg_46\">approached the higher level of impairment according to IFRS), the difference between the settlement and the tax </span><span class=\"SA8B SA7 S2\" id=\"th_46\">loss would decrease, thus reducing the deferred tax asset. As a result, the bank was able to utilize the temporary </span><span class=\"SC97 SA7 S2\" id=\"ti_46\">deferred tax asset both in the expected profitable operation and in a possible loss scenario. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4076": {
   "value": "<span class=\"SABE SB S2\" id=\"tm_37\">3.2. </span><span class=\"SABF SB S2\" id=\"tn_37\">Valuation of instruments without direct quotations </span><span class=\"SAC0 SA7 S2\" id=\"to_37\">Financial instruments without direct quotations in an active market are valued using the valuation model technique. </span><span class=\"SAC1 SA7 S2\" id=\"tp_37\">The models are regularly reviewed and each model is calibrated for the most recent available market data. While </span><span class=\"SAC2 SA7 S2\" id=\"tq_37\">the models are built only on available data, their use is subject to certain assumptions and estimates (e.g. </span><span class=\"SAC3 SA7 S2\" id=\"tr_37\">correlations, volatilities, etc.). Changes in the model assumptions may affect the reported fair value of the relevant </span><span class=\"SAC4 SA7 S2\" id=\"ts_37\">financial instruments. </span><span class=\"SAC5 SA7 S2\" id=\"tt_37\">IFRS 13 Fair Value Measurement seeks to increase the consistency and comparability in fair value measurements </span><span class=\"SAC6 SA7 S2\" id=\"tu_37\">and related disclosures through a 'fair value hierarchy'. The hierarchy categorises the inputs used in valuation </span><span class=\"SAC7 SA7 S2\" id=\"tv_37\">techniques into three levels. The hierarchy gives the highest priority to (unadjusted) quoted prices in active markets </span><span class=\"SAC8 SA7 S2\" id=\"tw_37\">for identical assets or liabilities and the lowest priority to unobservable inputs. The Group evaluates the levelling </span><span class=\"SA69 SA7 S2\" id=\"tx_37\">at each reporting period on an instrument-by-instrument basis and reclassifies instruments when necessary, based </span><span class=\"SAC9 SA7 S2\" id=\"ty_37\">on the facts at the beginning of the reporting period. The objective of a fair value measurement is to estimate the </span><span class=\"SACA SA7 S2\" id=\"tz_37\">price at which an orderly transaction to sell the asset or to transfer the liability would take place between market </span><span class=\"SACB SA7 S2\" id=\"t10_37\">participants at the measurement date under current market conditions. </span><span class=\"SFA4 SB S2\" id=\"t3_173\">NOTE 48: </span><span class=\"SDB9 SB S2\" id=\"t4_173\">FAIR VALUE OF FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S3B4F SA7 S2\" id=\"t5_173\">In determining the fair value of a financial asset or liability the Group uses the market price in the case of </span><span class=\"S3B50 SA7 S2\" id=\"t6_173\">instruments that are quoted on an active market. In most cases market price is not publicly available, so the Group </span><span class=\"S3B51 SA7 S2\" id=\"t7_173\">has to make assumptions or use valuation techniques to determine the fair value of a financial instrument. See </span><span class=\"S3B52 SA7 S2\" id=\"t8_173\">Note 48.4. for more information about fair value classes applied for financial assets and liabilities measured at fair </span><span class=\"S3B53 SA7 S2\" id=\"t9_173\">value in these financial statements. </span><span class=\"S3B54 SA7 S2\" id=\"ta_173\">To provide a reliable estimate of the fair value of those financial instruments that are originally measured at </span><span class=\"S3B55 SA7 S2\" id=\"tb_173\">amortized cost, the Group used the discounted cash-flow analyses (loans, placements with other banks, repo </span><span class=\"S3B56 SA7 S2\" id=\"tc_173\">receivables, amounts due to banks, repo liabilities, deposits from customers). The fair value of issued securities </span><span class=\"S3B57 SA7 S2\" id=\"td_173\">and subordinated bonds is based on quoted prices (e.g. Reuters). Cash and amounts due from banks and balances </span><span class=\"S3B58 SA7 S2\" id=\"te_173\">with the National Banks represent amounts available immediately thus the fair value equals to the cost. </span><span class=\"S3B59 SA7 S2\" id=\"tf_173\">The assumptions used when calculating the fair value of financial assets and liabilities when using valuation </span><span class=\"S3B5A SA7 S2\" id=\"tg_173\">technique are the following: </span><span class=\"S3B5B S602 S2\" id=\"th_173\">\u2022 </span><span class=\"S3B5C SA7 S2\" id=\"ti_173\">the discount rates are the risk-free rates related to the denomination currency adjusted by the appropriate </span><span class=\"S3B5D SA7 S2\" id=\"tj_173\">risk premium as of the end of the reporting period, </span><span class=\"S3B5E S602 S2\" id=\"tk_173\">\u2022 </span><span class=\"S3B5F SA7 S2\" id=\"tl_173\">the contractual cash-flows are considered for the performing loans and for the non-performing loans, the </span><span class=\"S3B60 SA7 S2\" id=\"tm_173\">amortized cost less impairment is considered as fair value, </span><span class=\"S3B61 S602 S2\" id=\"tn_173\">\u2022 </span><span class=\"S3B62 SA7 S2\" id=\"to_173\">the future cash-flows for floating interest rate instruments are estimated from the yield curves as of the </span><span class=\"S3B63 SA7 S2\" id=\"tp_173\">end of the reporting period, </span><span class=\"S3B64 S602 S2\" id=\"tq_173\">\u2022 </span><span class=\"S3B65 SA7 S2\" id=\"tr_173\">the fair value of the deposit which can be due in demand cannot be lower than the amount payable on </span><span class=\"S3B66 SA7 S2\" id=\"ts_173\">demand. </span><span class=\"S3B67 SA7 S2\" id=\"tt_173\">Classes of assets and liabilities not measured at fair value in the Consolidated Statement of Financial Position, the </span><span class=\"S3B68 SA7 S2\" id=\"tu_173\">income approach was used to convert future cash-flows to a single current amount. Fair value of current assets is </span><span class=\"S3B69 SA7 S2\" id=\"tv_173\">equal to carrying amount, fair value of liabilities from issued securities and other bond-type classes of assets and </span><span class=\"S3B6A SA7 S2\" id=\"tw_173\">liabilities not measured at fair value measured based on Reuters market rates, and the fair value of other classes </span><span class=\"S3B6B SA7 S2\" id=\"tx_173\">not measured at fair value of the Consolidated Statement of Financial Position is measured at discounted cash- </span><span class=\"S3B6C SA7 S2\" id=\"ty_173\">flow method. Fair value of loans, net of loss allowance for loans measured at discount rate adjustment technique, </span><span class=\"S3B6D SA7 S2\" id=\"tz_173\">the discount rate is derived from observed rates of return for comparable assets or liabilities that are traded in the </span><span class=\"S3B6E SA7 S2\" id=\"t10_173\">market. </span><span class=\"S3B6F SA7 S2\" id=\"t11_173\">Fair value measurements </span><span class=\"S3B70 S5B9 S2\" id=\"t12_173\">\u2013 </span><span class=\"S3B71 SA7 S2\" id=\"t13_173\">in relation to instruments measured not at fair value </span><span class=\"S3B72 S5B9 S2\" id=\"t14_173\">\u2013 </span><span class=\"S3B73 SA7 S2\" id=\"t15_173\">are mainly categorized in level </span><span class=\"S3B74 SA7 S2\" id=\"t16_173\">3 of the fair value hierarchy. </span><span class=\"S3B75 SB S2\" id=\"t17_173\">Use of modified yield curve </span><span class=\"S3B76 SA7 S2\" id=\"t18_173\">During the year ended 31 December 2022 yield curves derived from Hu</span><span class=\"S3B77 S5B9 S2\" id=\"t19_173\">ngarian government bonds (\u201c\u00c1KK curve\u201d) </span><span class=\"S3B78 SA7 S2\" id=\"t1a_173\">have become distorted due to certain market events, which means that real liquidity has concentrated on certain </span><span class=\"S3B79 SA7 S2\" id=\"t1b_173\">part of the yield curve. Therefore, a modified yield curve - which is not observable on the market - has been used </span><span class=\"S3B7A SA7 S2\" id=\"t1c_173\">at the concerning fair value calculations. This yield curve is based on the relevant yield curve points of the original </span><span class=\"S3B7B S5B9 S2\" id=\"t1d_173\">\u00c1KK curve. Based on Management\u2019s discretion fair value calculated with modified yield curves can represent the </span><span class=\"S3B7C SA7 S2\" id=\"t1e_173\">perspective of market participants reliable at current market conditions. </span><span class=\"S3B7D S5B9 S2\" id=\"t1f_173\">Modified yield curve was used for calculating fair value in case of subsidized personal loans represented in \u201cLoans </span><span class=\"S3B7E S5B9 S2\" id=\"t1g_173\">mandatorily measured at fair value through profit or loss\u201d line. </span><span class=\"S40A2 SB S2\" id=\"t5_188\">48.4.  Fair value levels </span><span class=\"S40A3 SA7 S2\" id=\"t6_188\">Methods and significant assumptions used to determine fair value of the different levels of financial instruments: </span><span class=\"S40A4 S40F7 S2\" id=\"t7_188\">- </span><span class=\"S40A5 SA7 S2\" id=\"t8_188\">Level 1: quoted prices (unadjusted) in active markets for identical assets or liabilities; </span><span class=\"S40A6 S40F7 S2\" id=\"t9_188\">- </span><span class=\"S40A7 SA7 S2\" id=\"ta_188\">Level 2: inputs other than quoted prices included within Level 1, that are observable for the asset or liability either directly or indirectly. Fair value measurements </span><span class=\"S40A8 S5B9 S2\" id=\"tb_188\">\u2013 </span><span class=\"S40A9 SA7 S2\" id=\"tc_188\">in </span><span class=\"S40AA SA7 S2\" id=\"td_188\">relation with instruments measured not at fair value </span><span class=\"S40AB S5B9 S2\" id=\"te_188\">\u2013 </span><span class=\"S40AC SA7 S2\" id=\"tf_188\">are categorized in level 2; </span><span class=\"S40AD S40F7 S2\" id=\"tg_188\">- </span><span class=\"S40AE SA7 S2\" id=\"th_188\">Level 3: inputs for the asset or liability that are not based on observable market data (unobservable inputs). </span><span class=\"S3B80 SB S2\" id=\"t5_192\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_192\">Fair value levels [continued] </span><span class=\"S1FD1 SB S2\" id=\"t7_192\">Valuation techniques on Level 2 instruments </span><span class=\"S41F2 SA7 S2\" id=\"t8_192\">The fair value of Level 2 instruments is calculated by discounting their expected interest and capital cash flows. Discounting is done with the respective swap curve of each </span><span class=\"S41F3 SA7 S2\" id=\"t9_192\">currency. </span><span class=\"S41F4 SB S2\" id=\"ta_192\">Valuation techniques and sensitivity analysis on Level 3 instruments </span><span class=\"S41F5 SA7 S2\" id=\"tb_192\">Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity </span><span class=\"S41F6 SA7 S2\" id=\"tc_192\">methodologies applied take account of the nature of the valuation techniques used, as well as the availability and reliability of observable proxy and historical date and the </span><span class=\"S41F7 SA7 S2\" id=\"td_192\">impact of using alternative models. </span><span class=\"S41F8 SA7 S2\" id=\"te_192\">The calculation is based on a range or spread data of reliable reference source or a scenario based on relevant market analysis alongside the impact of using alternative models. </span><span class=\"S41F9 SA7 S2\" id=\"tf_192\">Sensitivities are calculated without reflecting the impact of any diversification in the portfolio. </span><span class=\"S41FA SB S2\" id=\"tg_192\">Unobservable inputs used in measuring fair value </span><span class=\"S41FB SA7 S2\" id=\"th_192\">Type of financial instrument </span><span class=\"S41FC SA7 S2\" id=\"ti_192\">Valuation technique </span><span class=\"S41FD SA7 S2\" id=\"tj_192\">Significant unobservable input </span><span class=\"S41FE SA7 S2\" id=\"tk_192\">Range of estimates for </span><span class=\"S41FF SA7 S2\" id=\"tl_192\">unobservable input </span><span class=\"S4200 SA7 S2\" id=\"tm_192\">VISA C shares </span><span class=\"S4201 SA7 S2\" id=\"tn_192\">Market approach combined with expert </span><span class=\"S4202 SA7 S2\" id=\"to_192\">judgement. </span><span class=\"S4203 SA7 S2\" id=\"tp_192\">Illiquidity </span><span class=\"S4204 SA7 S2\" id=\"tq_192\">+12% / (12%) </span><span class=\"S4205 SA7 S2\" id=\"tr_192\">MFB refinancing loans </span><span class=\"S4206 SA7 S2\" id=\"ts_192\">Discounted cash flow model </span><span class=\"S4207 SA7 S2\" id=\"tt_192\">Probability of default </span><span class=\"S4208 SA7 S2\" id=\"tu_192\">+/ (20)% </span><span class=\"S4209 SA7 S2\" id=\"tv_192\">Subsidized personal loans </span><span class=\"S420A SA7 S2\" id=\"tw_192\">Discounted cash flow model </span><span class=\"S420B SA7 S2\" id=\"tx_192\">Probability of default </span><span class=\"S420C SA7 S2\" id=\"ty_192\">+/ (20)% </span><span class=\"S420D SA7 S2\" id=\"tz_192\">Subsidized personal loans </span><span class=\"S420E SA7 S2\" id=\"t10_192\">Discounted cash flow model </span><span class=\"S420F SA7 S2\" id=\"t11_192\">Operational costs </span><span class=\"S4210 SA7 S2\" id=\"t12_192\">+/ (20)% </span><span class=\"S4211 SA7 S2\" id=\"t13_192\">Subsidized personal loans </span><span class=\"S4212 SA7 S2\" id=\"t14_192\">Discounted cash flow model </span><span class=\"S4213 SA7 S2\" id=\"t15_192\">Demography </span><span class=\"S4214 SA7 S2\" id=\"t16_192\">Change in the cash flow estimation </span><span class=\"S4215 SA7 S2\" id=\"t17_192\">+/(5)% </span><span class=\"S4216 SA7 S2\" id=\"t18_192\">Ministry of Finance of Russia </span><span class=\"S4217 SA7 S2\" id=\"t19_192\">Discounted cash flow model </span><span class=\"S4218 SA7 S2\" id=\"t1a_192\">Credit risk </span><span class=\"S4219 SA7 S2\" id=\"t1b_192\">+/ (15)% </span><span class=\"S3903 SA7 S2\" id=\"t1c_192\">Ministry of Finance of Ukraine </span><span class=\"S421A SA7 S2\" id=\"t1d_192\">Discounted cash flow model </span><span class=\"S421B SA7 S2\" id=\"t1e_192\">Credit risk </span><span class=\"S421C SA7 S2\" id=\"t1f_192\">+/ (1)% </span><span class=\"S3B80 SB S2\" id=\"t5_193\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_193\">Fair value levels [continued] </span><span class=\"S421E SB S2\" id=\"t7_193\">The effect of unobservable inputs on fair value measurement </span><span class=\"S421F SA7 S2\" id=\"t8_193\">Although the Group believes that its estimates of fair value are appropriate, the use of different methodologies or assumptions could lead to different measurements of fair value. </span><span class=\"S4220 SA7 S2\" id=\"t9_193\">For fair value measurements in Level 3 changing the assumptions used to reasonably possible alternative assumptions would have the following effects. </span><span class=\"S4221 S27D S2\" id=\"ta_193\">2022 </span><span class=\"S4222 S27D S2\" id=\"tb_193\">Presentation in the Statement of Financial Position </span><span class=\"S4223 S27D S2\" id=\"tc_193\">Unobservable inputs </span><span class=\"S4224 S27D S2\" id=\"td_193\">Book value </span><span class=\"S4225 S27D S2\" id=\"te_193\">Fair values </span><span class=\"S4226 S27D S2\" id=\"tf_193\">Effect on profit and loss </span><span class=\"S4227 S27D S2\" id=\"tg_193\">Favourable </span><span class=\"S4228 S27D S2\" id=\"th_193\">Unfavourable </span><span class=\"S4229 S27D S2\" id=\"ti_193\">Favourable </span><span class=\"S422A S27D S2\" id=\"tj_193\">Unfavourable </span><span class=\"S422B S27E S2\" id=\"tk_193\">VISA C shares </span><span class=\"S422C S27E S2\" id=\"tl_193\">Non-trading instruments mandatorily at fair value </span><span class=\"S422D S27E S2\" id=\"tm_193\">through profit or loss </span><span class=\"S422E S27E S2\" id=\"tn_193\">Illiquidity </span><span class=\"S422F S27E S2\" id=\"to_193\">2,951 </span><span class=\"S4230 S27E S2\" id=\"tp_193\">3,430 </span><span class=\"S4231 S27E S2\" id=\"tq_193\">2,472 </span><span class=\"S4232 S27E S2\" id=\"tr_193\">479 </span><span class=\"S4233 S27E S2\" id=\"ts_193\">(479) </span><span class=\"S4234 S27E S2\" id=\"tt_193\">MFB refinancing loans </span><span class=\"S4235 S27E S2\" id=\"tu_193\">Financial liabilities designated at fair value through </span><span class=\"S4236 S27E S2\" id=\"tv_193\">profit or loss </span><span class=\"S4237 S27E S2\" id=\"tw_193\">Probability of default </span><span class=\"S4238 S27E S2\" id=\"tx_193\">15,483 </span><span class=\"S4239 S27E S2\" id=\"ty_193\">15,602 </span><span class=\"S423A S27E S2\" id=\"tz_193\">15,364 </span><span class=\"S423B S27E S2\" id=\"t10_193\">119 </span><span class=\"S423C S27E S2\" id=\"t11_193\">(119) </span><span class=\"S423D S27E S2\" id=\"t12_193\">Subsidised personal loans </span><span class=\"S423E S27E S2\" id=\"t13_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S423F S27E S2\" id=\"t14_193\">Probability of default </span><span class=\"S4240 S27E S2\" id=\"t15_193\">772,094 </span><span class=\"S4241 S27E S2\" id=\"t16_193\">773,281 </span><span class=\"S4242 S27E S2\" id=\"t17_193\">770,911 </span><span class=\"S4243 S27E S2\" id=\"t18_193\">1,187 </span><span class=\"S4244 S27E S2\" id=\"t19_193\">(1,183) </span><span class=\"S4245 S27E S2\" id=\"t1a_193\">Subsidised personal loans </span><span class=\"S4246 S27E S2\" id=\"t1b_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S4247 S27E S2\" id=\"t1c_193\">Operational costs </span><span class=\"S4248 S27E S2\" id=\"t1d_193\">772,094 </span><span class=\"S4249 S27E S2\" id=\"t1e_193\">777,898 </span><span class=\"S424A S27E S2\" id=\"t1f_193\">769,012 </span><span class=\"S424B S27E S2\" id=\"t1g_193\">5,804 </span><span class=\"S424C S27E S2\" id=\"t1h_193\">(3,082) </span><span class=\"S424D S27E S2\" id=\"t1i_193\">Subsidised personal loans </span><span class=\"S424E S27E S2\" id=\"t1j_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S424F S27E S2\" id=\"t1k_193\">Demography </span><span class=\"S4250 S27E S2\" id=\"t1l_193\">772,094 </span><span class=\"S4251 S27E S2\" id=\"t1m_193\">774,528 </span><span class=\"S4252 S27E S2\" id=\"t1n_193\">769,544 </span><span class=\"S4253 S27E S2\" id=\"t1o_193\">2,434 </span><span class=\"S4254 S27E S2\" id=\"t1p_193\">(2,550) </span><span class=\"S4255 S27E S2\" id=\"t1q_193\">Russian government bonds </span><span class=\"S4256 S27E S2\" id=\"t1r_193\">Trading securities at fair value through other </span><span class=\"S4257 S27E S2\" id=\"t1s_193\">comprehensive income </span><span class=\"S4258 S27E S2\" id=\"t1t_193\">Credit risk </span><span class=\"S4259 S27E S2\" id=\"t1u_193\">37,580 </span><span class=\"S425A S27E S2\" id=\"t1v_193\">50,468 </span><span class=\"S425B S27E S2\" id=\"t1w_193\">24,692 </span><span class=\"S425C S27E S2\" id=\"t1x_193\">12,888 </span><span class=\"S425D S27E S2\" id=\"t1y_193\">(12,888) </span><span class=\"S425E S27E S2\" id=\"t1z_193\">Ukrainian government </span><span class=\"S425F S27E S2\" id=\"t20_193\">bonds </span><span class=\"S4260 S27E S2\" id=\"t21_193\">Trading securities at fair value through other </span><span class=\"S4261 S27E S2\" id=\"t22_193\">comprehensive income </span><span class=\"S4262 S27E S2\" id=\"t23_193\">Credit risk </span><span class=\"S4263 S27E S2\" id=\"t24_193\">26,571 </span><span class=\"S4264 S27E S2\" id=\"t25_193\">26,571 </span><span class=\"S4265 S27E S2\" id=\"t26_193\">26,571 </span><span class=\"S4266 S27E S2\" id=\"t27_193\">- </span><span class=\"S4267 S27E S2\" id=\"t28_193\">- </span><span class=\"S4268 S27E S2\" id=\"t29_193\">Loans mandatorily at fair </span><span class=\"S4269 S27E S2\" id=\"t2a_193\">value through profit or loss </span><span class=\"S426A S27E S2\" id=\"t2b_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S426B S27E S2\" id=\"t2c_193\">Probability of default </span><span class=\"S426C S27E S2\" id=\"t2d_193\">454,164 </span><span class=\"S426D S27E S2\" id=\"t2e_193\">454,383 </span><span class=\"S426E S27E S2\" id=\"t2f_193\">453,945 </span><span class=\"S426F S27E S2\" id=\"t2g_193\">219 </span><span class=\"S4270 S27E S2\" id=\"t2h_193\">(219) </span><span class=\"S4271 S27E S2\" id=\"t2i_193\">Loans mandatorily at fair </span><span class=\"S4272 S27E S2\" id=\"t2j_193\">value through profit or loss </span><span class=\"S4273 S27E S2\" id=\"t2k_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S4274 S27E S2\" id=\"t2l_193\">Operational costs </span><span class=\"S4275 S27E S2\" id=\"t2m_193\">454,164 </span><span class=\"S4276 S27E S2\" id=\"t2n_193\">459,950 </span><span class=\"S4277 S27E S2\" id=\"t2o_193\">448,558 </span><span class=\"S4278 S27E S2\" id=\"t2p_193\">5,786 </span><span class=\"S4279 S27E S2\" id=\"t2q_193\">(5,606) </span><span class=\"S427A S27D S2\" id=\"t2r_193\">Total </span><span class=\"S427B S27D S2\" id=\"t2s_193\">3,307,195 </span><span class=\"S427C S27D S2\" id=\"t2t_193\">3,336,111 </span><span class=\"S427D S27D S2\" id=\"t2u_193\">3,281,069 </span><span class=\"S427E S27D S2\" id=\"t2v_193\">28,916 </span><span class=\"S427F S27D S2\" id=\"t2w_193\">(26,126) </span><span class=\"S4280 S27D S2\" id=\"t2x_193\">2021 </span><span class=\"S4281 S27D S2\" id=\"t2y_193\">Presentation in the Statement of Financial Position </span><span class=\"S4282 S27D S2\" id=\"t2z_193\">Unobservable </span><span class=\"S4283 S27D S2\" id=\"t30_193\">Book value </span><span class=\"S4284 S27D S2\" id=\"t31_193\">Fair values </span><span class=\"S4285 S27D S2\" id=\"t32_193\">Effect on profit and loss </span><span class=\"S4286 S27D S2\" id=\"t33_193\">Favourable </span><span class=\"S4287 S27D S2\" id=\"t34_193\">Unfavourable </span><span class=\"S4288 S27D S2\" id=\"t35_193\">Favourable </span><span class=\"S4289 S27D S2\" id=\"t36_193\">Unfavourable </span><span class=\"S428A S27E S2\" id=\"t37_193\">VISA C shares </span><span class=\"S428B S27E S2\" id=\"t38_193\">Non-trading instruments mandatorily at fair value </span><span class=\"S428C S27E S2\" id=\"t39_193\">through profit or loss </span><span class=\"S428D S27E S2\" id=\"t3a_193\">Illiquidity </span><span class=\"S428E S27E S2\" id=\"t3b_193\">5,891 </span><span class=\"S428F S27E S2\" id=\"t3c_193\">6,704 </span><span class=\"S4290 S27E S2\" id=\"t3d_193\">5,078 </span><span class=\"S4291 S27E S2\" id=\"t3e_193\">813 </span><span class=\"S4292 S27E S2\" id=\"t3f_193\">(813) </span><span class=\"S4293 S27E S2\" id=\"t3g_193\">MFB refinancing loans </span><span class=\"S4294 S27E S2\" id=\"t3h_193\">Financial liabilities designated at fair value through </span><span class=\"S4295 S27E S2\" id=\"t3i_193\">profit or loss </span><span class=\"S4296 S27E S2\" id=\"t3j_193\">Probability of default </span><span class=\"S4297 S27E S2\" id=\"t3k_193\">19,095 </span><span class=\"S4298 S27E S2\" id=\"t3l_193\">19,218 </span><span class=\"S4299 S27E S2\" id=\"t3m_193\">18,972 </span><span class=\"S429A S27E S2\" id=\"t3n_193\">123 </span><span class=\"S429B S27E S2\" id=\"t3o_193\">(123) </span><span class=\"S429C S27E S2\" id=\"t3p_193\">Subsidised personal loans </span><span class=\"S429D S27E S2\" id=\"t3q_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S429E S27E S2\" id=\"t3r_193\">Probability of default </span><span class=\"S429F S27E S2\" id=\"t3s_193\">635,416 </span><span class=\"S42A0 S27E S2\" id=\"t3t_193\">639,006 </span><span class=\"S42A1 S27E S2\" id=\"t3u_193\">631,855 </span><span class=\"S42A2 S27E S2\" id=\"t3v_193\">3,590 </span><span class=\"S42A3 S27E S2\" id=\"t3w_193\">(3,561) </span><span class=\"S42A4 S27E S2\" id=\"t3x_193\">Subsidised personal loans </span><span class=\"S42A5 S27E S2\" id=\"t3y_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42A6 S27E S2\" id=\"t3z_193\">Operational costs </span><span class=\"S42A7 S27E S2\" id=\"t40_193\">635,416 </span><span class=\"S42A8 S27E S2\" id=\"t41_193\">647,291 </span><span class=\"S42A9 S27E S2\" id=\"t42_193\">623,933 </span><span class=\"S42AA S27E S2\" id=\"t43_193\">11,875 </span><span class=\"S42AB S27E S2\" id=\"t44_193\">(11,483) </span><span class=\"S42AC S27E S2\" id=\"t45_193\">Subsidised personal loans </span><span class=\"S42AD S27E S2\" id=\"t46_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42AE S27E S2\" id=\"t47_193\">Demography </span><span class=\"S42AF S27E S2\" id=\"t48_193\">635,416 </span><span class=\"S42B0 S27E S2\" id=\"t49_193\">635,484 </span><span class=\"S42B1 S27E S2\" id=\"t4a_193\">635,387 </span><span class=\"S42B2 S27E S2\" id=\"t4b_193\">68 </span><span class=\"S42B3 S27E S2\" id=\"t4c_193\">(29) </span><span class=\"S42B4 S27E S2\" id=\"t4d_193\">Ukrainian government </span><span class=\"S42B5 S27E S2\" id=\"t4e_193\">bonds </span><span class=\"S42B6 S27E S2\" id=\"t4f_193\">Trading securities at fair value through other </span><span class=\"S42B7 S27E S2\" id=\"t4g_193\">comprehensive income </span><span class=\"S42B8 S27E S2\" id=\"t4h_193\">Credit risk </span><span class=\"S42B9 S27E S2\" id=\"t4i_193\">55,475 </span><span class=\"S42BA S27E S2\" id=\"t4j_193\">55,475 </span><span class=\"S42BB S27E S2\" id=\"t4k_193\">55,475 </span><span class=\"S42BC S27E S2\" id=\"t4l_193\">- </span><span class=\"S42BD S27E S2\" id=\"t4m_193\">- </span><span class=\"S42BE S27E S2\" id=\"t4n_193\">Loans mandatorily at fair </span><span class=\"S42BF S27E S2\" id=\"t4o_193\">value through profit or loss </span><span class=\"S42C0 S27E S2\" id=\"t4p_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42C1 S27E S2\" id=\"t4q_193\">Probability of default </span><span class=\"S42C2 S27E S2\" id=\"t4r_193\">405,819 </span><span class=\"S42C3 S27E S2\" id=\"t4s_193\">406,368 </span><span class=\"S42C4 S27E S2\" id=\"t4t_193\">405,272 </span><span class=\"S42C5 S27E S2\" id=\"t4u_193\">549 </span><span class=\"S42C6 S27E S2\" id=\"t4v_193\">(547) </span><span class=\"S42C7 S27E S2\" id=\"t4w_193\">Loans mandatorily at fair </span><span class=\"S42C8 S27E S2\" id=\"t4x_193\">value through profit or loss </span><span class=\"S42C9 S27E S2\" id=\"t4y_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42CA S27E S2\" id=\"t4z_193\">Operational costs </span><span class=\"S42CB S27E S2\" id=\"t50_193\">405,819 </span><span class=\"S42CC S27E S2\" id=\"t51_193\">412,873 </span><span class=\"S42CD S27E S2\" id=\"t52_193\">399,025 </span><span class=\"S42CE S27E S2\" id=\"t53_193\">7,054 </span><span class=\"S42CF S27E S2\" id=\"t54_193\">(6,794) </span><span class=\"S42D0 S27D S2\" id=\"t55_193\">Total </span><span class=\"S42D1 S27D S2\" id=\"t56_193\">2,798,347 </span><span class=\"S42D2 S27D S2\" id=\"t57_193\">2,822,419 </span><span class=\"S42D3 S27D S2\" id=\"t58_193\">2,774,997 </span><span class=\"S42D4 S27D S2\" id=\"t59_193\">24,072 </span><span class=\"S42D5 S27D S2\" id=\"t5a_193\">(23,350) </span><span class=\"S7D9 SB S2\" id=\"t5_194\">48.4. </span><span class=\"S6E5 SB S2\" id=\"t6_194\">Fair value levels [continued] </span><span class=\"S42D6 SB S2\" id=\"t7_194\">The effect of unobservable inputs on fair value measurement [continued] </span><span class=\"S5BF SA7 S2\" id=\"t8_194\">The favourable and unfavourable effects of using reasonably possible alternative assumptions for the valuation of </span><span class=\"S42D7 SA7 S2\" id=\"t9_194\">Visa C shares have been calculated by modifying the discount rate used for the valuation by +/-12% as being the </span><span class=\"S842 SA7 S2\" id=\"ta_194\">best estimates of the management as at 31 December 2022 and 31 December 2021 respectively. </span><span class=\"S42D8 S5B9 S2\" id=\"tb_194\">In the case of Hungarian Development Bank (\u201cMFB\u201d) refinancing loans and subsidised personal loans the Bank </span><span class=\"S42D9 SA7 S2\" id=\"tc_194\">calculated the favourable and unfavourable effects of using reasonably possible alternative assumptions by </span><span class=\"S383F SA7 S2\" id=\"td_194\">modifying the rates of probability of default by +/- 20% as one of the most significant unobservable inputs. </span><span class=\"S42DA SA7 S2\" id=\"te_194\">In case of subsidised personal loans operational cost and factors related to demography are considered as </span><span class=\"S7E3 SA7 S2\" id=\"tf_194\">unobservable inputs to the applied fair value calculation model in addition to credit risk. </span><span class=\"S42DB SA7 S2\" id=\"tg_194\">The Bank calculated the favourable and unfavourable effects of using reasonably possible alternative assumptions </span><span class=\"S38AF SA7 S2\" id=\"th_194\">by modifying the rates of operational costs by +/- 20% as one of the most significant unobservable inputs. </span><span class=\"SC97 SA7 S2\" id=\"ti_194\">In case of subsidised personal loans cash flow estimation are based on assumption related to the future number of </span><span class=\"S42DC SA7 S2\" id=\"tj_194\">childbirths performed by the debtors both in the current and the comparative period. According to the assumptions </span><span class=\"S42DD SA7 S2\" id=\"tk_194\">used in comparative period 15% of the debtors will not fulfill the conditions of the subsidy determined by the </span><span class=\"S42DE S5B9 S2\" id=\"tl_194\">government after 5 years (\u201cbreach of conditions\u201d), thereby debtors will be obliged to pay back the interest subsidy </span><span class=\"S42DF SA7 S2\" id=\"tm_194\">given in advance. Furthermore, in this case subsidised loans are converted to loans provided based on market </span><span class=\"S42E0 SA7 S2\" id=\"tn_194\">conditions. Loans are prepaid by the government as part of the subsidy after the second and the third childbirth </span><span class=\"S42E1 SA7 S2\" id=\"to_194\">following the signatory of the loan contract. The Bank calculated the favourable and unfavourable effects of using </span><span class=\"S42E2 SA7 S2\" id=\"tp_194\">reasonably possible alternative assumptions by modifying the demographical assumption of breach of conditions </span><span class=\"S1753 SA7 S2\" id=\"tq_194\">by +/- 5% as the most significant unobservable input in the cash flow estimation. </span><span class=\"S42E3 SA7 S2\" id=\"tr_194\">For the year ended 31 December 2022 the Bank used a new and more detailed model for cash flow calculations of </span><span class=\"S42E4 SA7 S2\" id=\"ts_194\">the subsidised personal loans. The new model uses more scenarios compared to the previous one. These scenarios </span><span class=\"S42E5 SA7 S2\" id=\"tt_194\">based on the above-mentioned events (child births after signatory and breach of conditions) and also the event of </span><span class=\"S42E6 SA7 S2\" id=\"tu_194\">divorce. The model uses public statistical information for these events to estimate. The Bank calculated the </span><span class=\"S42E7 SA7 S2\" id=\"tv_194\">favourable and unfavourable effects of using reasonably possible alternative assumptions by modifying the </span><span class=\"S42E8 SA7 S2\" id=\"tw_194\">demographical assumption of future child births by +/-5% as one of the most significant unobservable inputs in </span><span class=\"S42E9 SA7 S2\" id=\"tx_194\">the cash flow estimation. </span><span class=\"S42EA SA7 S2\" id=\"ty_194\">The favourable and unfavourable effects of using reasonably possible alternative assumptions for the valuation of </span><span class=\"S42EB SA7 S2\" id=\"tz_194\">FVOCI securities have been calculated by modifying the discount rate used for the valuation by +/-15% and +/- </span><span class=\"S42EC SA7 S2\" id=\"t10_194\">1% as being the best estimates of the management as at 31 December 2022 and 2021 respectively. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4092": {
   "value": "<span class=\"S703 SB S2\" id=\"t11_37\">3.3. </span><span class=\"SACC SB S2\" id=\"t12_37\">Provisions </span><span class=\"SACD SA7 S2\" id=\"t13_37\">Provision is recognized and measured for commitments to extend credit and for warranties arising from banking </span><span class=\"SACE SA7 S2\" id=\"t14_37\">activities based on IFRS 9 Financial Instruments. Provision for these instruments is recognized based on the credit </span><span class=\"SACF SA7 S2\" id=\"t15_37\">conversion factor, which shows the proportion of the undrawn credit line that will probably be drawn. </span><span class=\"SAD0 SA7 S2\" id=\"t16_37\">Other provisions are recognized and measured based on IAS 37 Provisions, Contingent Liabilities and Contingent </span><span class=\"SAD1 SA7 S2\" id=\"t17_37\">Assets. The Group is involved in a number of ongoing legal disputes. Based upon historical experience and expert </span><span class=\"SAD2 SA7 S2\" id=\"t18_37\">reports, the Group assesses the developments in these cases, and the likelihood and the amount of potential </span><span class=\"SAD3 SA7 S2\" id=\"t19_37\">financial losses which are appropriately provided for. (See Note 24.) </span><span class=\"SAD4 SA7 S2\" id=\"t1a_37\">Other provision includes provision for litigation, provision for retirement and expected liabilities and provision </span><span class=\"SA18 SA7 S2\" id=\"t1b_37\">for confirmed letter of credit. </span><span class=\"SAD5 SA7 S2\" id=\"t1c_37\">A provision is recognized by the Group when it has a present obligation as a result of a past event, it is probable </span><span class=\"SAD6 SA7 S2\" id=\"t1d_37\">that an outflow of resources embodying economic benefits will be required to settle the obligation, and a reliable </span><span class=\"SAD7 SA7 S2\" id=\"t1e_37\">estimate can be made of the amount of the obligation. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4136": {
   "value": "<span class=\"SAE1 SB S2\" id=\"tg_38\">3.5. </span><span class=\"SAE2 SB S2\" id=\"th_38\">Business model </span><span class=\"SAE3 SA7 S2\" id=\"ti_38\">A business model refers to how the Group manages its financial instruments in order to generate cash flows. It is </span><span class=\"SAE4 SA7 S2\" id=\"tj_38\">determined at a level that reflects how groups of financial instruments are managed rather than at an instrument </span><span class=\"SAE5 SA7 S2\" id=\"tk_38\">level. </span><span class=\"SAE6 SA7 S2\" id=\"tl_38\">The financial assets held by the Group are classified into three categories depending on the business model within </span><span class=\"SAE7 SA7 S2\" id=\"tm_38\">the financial assets are managed. </span><span class=\"SAE8 S602 S2\" id=\"tn_38\">\u2022 </span><span class=\"SAE9 SA7 S2\" id=\"to_38\">Business model whose objective is to hold financial assets in order to collect contractual cash flows. Some </span><span class=\"SAEA SA7 S2\" id=\"tp_38\">sales can be consistent with hold to collect business model and the Group assesses the nature, frequency </span><span class=\"SAEB SA7 S2\" id=\"tq_38\">and significance of any sales occurring. The Group does not consider the sale frequent when at least six </span><span class=\"SAEC SA7 S2\" id=\"tr_38\">months have elapsed between sales. The significant sales are those when the sales exceed 2% of the total </span><span class=\"SAED SA7 S2\" id=\"ts_38\">hold to collect portfolio. Within this business model the Group manages mainly loans and advances and </span><span class=\"SAEE SA7 S2\" id=\"tt_38\">long-term securities and other financial assets. </span><span class=\"SAEF S602 S2\" id=\"tu_38\">\u2022 </span><span class=\"SAF0 SA7 S2\" id=\"tv_38\">Business model whose objective is achieved by both collecting contractual cash flows and selling </span><span class=\"SAF1 SA7 S2\" id=\"tw_38\">financial assets. Within this business model the Group only manages securities. </span><span class=\"SAF2 S602 S2\" id=\"tx_38\">\u2022 </span><span class=\"SAF3 SA7 S2\" id=\"ty_38\">Business model whose objective is to achieve gains in a short-term period. Within this business model </span><span class=\"SAF4 SA7 S2\" id=\"tz_38\">the Group manages securities and derivative financial instrument. </span><span class=\"SAF5 SA7 S2\" id=\"t10_38\">If cash flows are realised in a way that is different from the expectations at the date that the Bank/Group assessed </span><span class=\"SAF6 S5B9 S2\" id=\"t11_38\">the business model, that does not give rise to a prior error in the Group\u2019s financial statements nor does it change </span><span class=\"SAF7 SA7 S2\" id=\"t12_38\">the classification of the remaining financial assets held in that business model. </span><span class=\"SAF8 SA7 S2\" id=\"t13_38\">When, and only when the Group changes its business model for managing financial assets it reclassifies all affected </span><span class=\"SAF9 S5B9 S2\" id=\"t14_38\">assets. Such changes are determined by the Group\u2019s senior management as a result of external or internal changes </span><span class=\"SAFA S5B9 S2\" id=\"t15_38\">and must be significant to the Group\u2019s operations a</span><span class=\"SAFB SA7 S2\" id=\"t16_38\">nd demonstrable to external parties. The Group shall not </span><span class=\"SAFC SA7 S2\" id=\"t17_38\">reclassify any financial liability. </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReclassificationOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4972": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_50\">NOTE 5: </span><span class=\"SD6F SB S2\" id=\"t4_50\">CASH, AMOUNTS DUE FROM BANKS AND BALANCES WITH THE NATIONAL </span><span class=\"SD70 SB S2\" id=\"t5_50\">BANKS (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t6_50\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_50\">2021 </span><span class=\"SD73 SA7 S2\" id=\"t8_50\">Cash on hand </span><span class=\"SD74 SA7 S2\" id=\"t9_50\">In HUF </span><span class=\"SD75 SA7 S2\" id=\"ta_50\">92,526 </span><span class=\"SD76 SA7 S2\" id=\"tb_50\">87,489 </span><span class=\"SD77 SA7 S2\" id=\"tc_50\">In foreign currency </span><span class=\"SD78 SA7 S2\" id=\"td_50\">582,950 </span><span class=\"SD79 SA7 S2\" id=\"te_50\">409,045 </span><span class=\"SD7A SB S2\" id=\"tf_50\">675,476 </span><span class=\"SD7B SB S2\" id=\"tg_50\">496,534 </span><span class=\"SD7C SA7 S2\" id=\"th_50\">Amounts due from banks and balances with the National Banks </span><span class=\"SD7D SB S2\" id=\"ti_50\">2022 </span><span class=\"SD7E SB S2\" id=\"tj_50\">2021 </span><span class=\"SD7F SA7 S2\" id=\"tk_50\">Within one year </span><span class=\"SD80 SA7 S2\" id=\"tl_50\">In HUF </span><span class=\"SD81 SA7 S2\" id=\"tm_50\">732,956 </span><span class=\"SD82 SA7 S2\" id=\"tn_50\">83,540 </span><span class=\"SD83 SA7 S2\" id=\"to_50\">In foreign currency </span><span class=\"SD84 SA7 S2\" id=\"tp_50\">2,814,663 </span><span class=\"SD85 SA7 S2\" id=\"tq_50\">1,977,069 </span><span class=\"SD86 SB S2\" id=\"tr_50\">3,547,619 </span><span class=\"SD87 SB S2\" id=\"ts_50\">2,060,609 </span><span class=\"SD88 SA7 S2\" id=\"tt_50\">Over one year </span><span class=\"SD89 SA7 S2\" id=\"tu_50\">In HUF </span><span class=\"SD8A SA7 S2\" id=\"tv_50\">- </span><span class=\"SD8B SA7 S2\" id=\"tw_50\">- </span><span class=\"SD8C SA7 S2\" id=\"tx_50\">In foreign currency </span><span class=\"SD8D SA7 S2\" id=\"ty_50\">- </span><span class=\"SD8E SA7 S2\" id=\"tz_50\">- </span><span class=\"SD8F SB S2\" id=\"t10_50\">- </span><span class=\"SD90 SB S2\" id=\"t11_50\">- </span><span class=\"SD91 SA7 S2\" id=\"t12_50\">Loss allowance on amounts due from bank and </span><span class=\"SD92 SA7 S2\" id=\"t13_50\">balances with the National Banks </span><span class=\"SD93 SA7 S2\" id=\"t14_50\">(1,703) </span><span class=\"SD94 SA7 S2\" id=\"t15_50\">(1,108) </span><span class=\"SD95 SB S2\" id=\"t16_50\">Total </span><span class=\"SD96 SB S2\" id=\"t17_50\">4,221,392 </span><span class=\"SD97 SB S2\" id=\"t18_50\">2,556,035 </span><span class=\"SD98 SA7 S2\" id=\"t19_50\">Compulsory reserve set by </span><span class=\"SD99 SA7 S2\" id=\"t1a_50\">the National Banks </span><span class=\"SD9A SA7 S2\" id=\"t1b_50\">(1,623,704) </span><span class=\"SD9B SA7 S2\" id=\"t1c_50\">(854,474) </span><span class=\"SD9C SB S2\" id=\"t1d_50\">Cash and cash equivalents </span><span class=\"SD9D SB S2\" id=\"t1e_50\">2,597,688 </span><span class=\"SD9E SB S2\" id=\"t1f_50\">1,701,561 </span><span class=\"SD9F SA7 S2\" id=\"t1g_50\">Foreign subsidiary banks within the Group have to comply with country specific regulation of local National </span><span class=\"SDA0 SA7 S2\" id=\"t1h_50\">Banks. Each country within the Group has its own regulation for compulsory reserve calculation and maintenance. </span><span class=\"SDA1 SA7 S2\" id=\"t1i_50\">Based on those banks are obliged to place compulsory reserve at their National Bank in a specified percentage of </span><span class=\"SDA2 SA7 S2\" id=\"t1j_50\">their liabilities considered in compulsory reserve calculation. </span><span class=\"SDA3 SA7 S2\" id=\"t1k_50\">An analysis of the change in the loss allowance on amounts from banks and balances with the National Banks is </span><span class=\"SDA4 SA7 S2\" id=\"t1l_50\">as follows: </span><span class=\"SDA5 SB S2\" id=\"t1m_50\">2022 </span><span class=\"SDA6 SB S2\" id=\"t1n_50\">2021 </span><span class=\"SDA7 SB S2\" id=\"t1o_50\">Balance as at 1 January </span><span class=\"SDA8 SB S2\" id=\"t1p_50\">1,108 </span><span class=\"SDA9 SB S2\" id=\"t1q_50\">- </span><span class=\"SDAA SA7 S2\" id=\"t1r_50\">Loss allowance for the period </span><span class=\"SDAB SA7 S2\" id=\"t1s_50\">8,072 </span><span class=\"SDAC SA7 S2\" id=\"t1t_50\">952 </span><span class=\"SDAD SA7 S2\" id=\"t1u_50\">Release of loss allowance for the period </span><span class=\"SDAE SA7 S2\" id=\"t1v_50\">(7,697) </span><span class=\"SDAF SA7 S2\" id=\"t1w_50\">- </span><span class=\"SDB0 SA7 S2\" id=\"t1x_50\">Use of loss allowance for the period </span><span class=\"SDB1 SA7 S2\" id=\"t1y_50\">- </span><span class=\"SDB2 SA7 S2\" id=\"t1z_50\">- </span><span class=\"SDB3 SA7 S2\" id=\"t20_50\">Foreign currency translation difference </span><span class=\"SDB4 SA7 S2\" id=\"t21_50\">220 </span><span class=\"SDB5 SA7 S2\" id=\"t22_50\">156 </span><span class=\"SDB6 SB S2\" id=\"t23_50\">Closing balance </span><span class=\"SDB7 SB S2\" id=\"t24_50\">1,703 </span><span class=\"SDB8 SB S2\" id=\"t25_50\">1,108 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f4987": {
   "value": "<span class=\"SD7C SA7 S2\" id=\"th_50\">Amounts due from banks and balances with the National Banks </span><span class=\"SD7D SB S2\" id=\"ti_50\">2022 </span><span class=\"SD7E SB S2\" id=\"tj_50\">2021 </span><span class=\"SD7F SA7 S2\" id=\"tk_50\">Within one year </span><span class=\"SD80 SA7 S2\" id=\"tl_50\">In HUF </span><span class=\"SD81 SA7 S2\" id=\"tm_50\">732,956 </span><span class=\"SD82 SA7 S2\" id=\"tn_50\">83,540 </span><span class=\"SD83 SA7 S2\" id=\"to_50\">In foreign currency </span><span class=\"SD84 SA7 S2\" id=\"tp_50\">2,814,663 </span><span class=\"SD85 SA7 S2\" id=\"tq_50\">1,977,069 </span><span class=\"SD86 SB S2\" id=\"tr_50\">3,547,619 </span><span class=\"SD87 SB S2\" id=\"ts_50\">2,060,609 </span><span class=\"SD88 SA7 S2\" id=\"tt_50\">Over one year </span><span class=\"SD89 SA7 S2\" id=\"tu_50\">In HUF </span><span class=\"SD8A SA7 S2\" id=\"tv_50\">- </span><span class=\"SD8B SA7 S2\" id=\"tw_50\">- </span><span class=\"SD8C SA7 S2\" id=\"tx_50\">In foreign currency </span><span class=\"SD8D SA7 S2\" id=\"ty_50\">- </span><span class=\"SD8E SA7 S2\" id=\"tz_50\">- </span><span class=\"SD8F SB S2\" id=\"t10_50\">- </span><span class=\"SD90 SB S2\" id=\"t11_50\">- </span><span class=\"SD91 SA7 S2\" id=\"t12_50\">Loss allowance on amounts due from bank and </span><span class=\"SD92 SA7 S2\" id=\"t13_50\">balances with the National Banks </span><span class=\"SD93 SA7 S2\" id=\"t14_50\">(1,703) </span><span class=\"SD94 SA7 S2\" id=\"t15_50\">(1,108) </span><span class=\"SD95 SB S2\" id=\"t16_50\">Total </span><span class=\"SD96 SB S2\" id=\"t17_50\">4,221,392 </span><span class=\"SD97 SB S2\" id=\"t18_50\">2,556,035 </span><span class=\"SD98 SA7 S2\" id=\"t19_50\">Compulsory reserve set by </span><span class=\"SD99 SA7 S2\" id=\"t1a_50\">the National Banks </span><span class=\"SD9A SA7 S2\" id=\"t1b_50\">(1,623,704) </span><span class=\"SD9B SA7 S2\" id=\"t1c_50\">(854,474) </span><span class=\"SD9C SB S2\" id=\"t1d_50\">Cash and cash equivalents </span><span class=\"SD9D SB S2\" id=\"t1e_50\">2,597,688 </span><span class=\"SD9E SB S2\" id=\"t1f_50\">1,701,561 </span><span class=\"SD9F SA7 S2\" id=\"t1g_50\">Foreign subsidiary banks within the Group have to comply with country specific regulation of local National </span><span class=\"SDA0 SA7 S2\" id=\"t1h_50\">Banks. Each country within the Group has its own regulation for compulsory reserve calculation and maintenance. </span><span class=\"SDA1 SA7 S2\" id=\"t1i_50\">Based on those banks are obliged to place compulsory reserve at their National Bank in a specified percentage of </span><span class=\"SDA2 SA7 S2\" id=\"t1j_50\">their liabilities considered in compulsory reserve calculation. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5056": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_51\">NOTE 6: </span><span class=\"SDB9 SB S2\" id=\"t4_51\">PLACEMENTS WITH OTHER BANKS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_51\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_51\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_51\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_51\">In HUF </span><span class=\"SDBE SA7 S2\" id=\"t9_51\">681,892 </span><span class=\"SDBF SA7 S2\" id=\"ta_51\">851,053 </span><span class=\"SDC0 SA7 S2\" id=\"tb_51\">In foreign currency </span><span class=\"SDC1 SA7 S2\" id=\"tc_51\">447,648 </span><span class=\"SDC2 SA7 S2\" id=\"td_51\">523,205 </span><span class=\"SDC3 SB S2\" id=\"te_51\">1,129,540 </span><span class=\"SDC4 SB S2\" id=\"tf_51\">1,374,258 </span><span class=\"SDC5 SA7 S2\" id=\"tg_51\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_51\">In HUF </span><span class=\"SDC7 SA7 S2\" id=\"ti_51\">199,056 </span><span class=\"SDC8 SA7 S2\" id=\"tj_51\">162,774 </span><span class=\"SDC9 SA7 S2\" id=\"tk_51\">In foreign currency </span><span class=\"SDCA SA7 S2\" id=\"tl_51\">26,323 </span><span class=\"SDCB SA7 S2\" id=\"tm_51\">50,823 </span><span class=\"SDCC SB S2\" id=\"tn_51\">225,379 </span><span class=\"SDCD SB S2\" id=\"to_51\">213,597 </span><span class=\"SDCE SA7 S2\" id=\"tp_51\">Loss allowance on placements </span><span class=\"SDCF SA7 S2\" id=\"tq_51\">(3,837) </span><span class=\"SDD0 SA7 S2\" id=\"tr_51\">(2,994) </span><span class=\"SDD1 SB S2\" id=\"ts_51\">Total </span><span class=\"SDD2 SB S2\" id=\"tt_51\">1,351,082 </span><span class=\"SDD3 SB S2\" id=\"tu_51\">1,584,861 </span><span class=\"SDD4 SA7 S2\" id=\"tv_51\">An analysis of the change in the loss allowance on placements with other banks is as follows: </span><span class=\"SDD5 SB S2\" id=\"tw_51\">2022 </span><span class=\"SDD6 SB S2\" id=\"tx_51\">2021 </span><span class=\"SDD7 SB S2\" id=\"ty_51\">Balance as at 1 January </span><span class=\"SDD8 SB S2\" id=\"tz_51\">2,994 </span><span class=\"SDD9 SB S2\" id=\"t10_51\">1,489 </span><span class=\"SDDA SA7 S2\" id=\"t11_51\">Loss allowance for the period </span><span class=\"SDDB SA7 S2\" id=\"t12_51\">38,314 </span><span class=\"SDDC SA7 S2\" id=\"t13_51\">25,133 </span><span class=\"SDDD SA7 S2\" id=\"t14_51\">Release of loss allowance for the period </span><span class=\"SDDE SA7 S2\" id=\"t15_51\">(38,378) </span><span class=\"SDDF SA7 S2\" id=\"t16_51\">(23,613) </span><span class=\"SDE0 SA7 S2\" id=\"t17_51\">Use of loss allowance for the period </span><span class=\"SDE1 SA7 S2\" id=\"t18_51\">(100) </span><span class=\"SDE2 SA7 S2\" id=\"t19_51\">(112) </span><span class=\"SDE3 SA7 S2\" id=\"t1a_51\">Foreign currency translation difference </span><span class=\"SDE4 SA7 S2\" id=\"t1b_51\">1,007 </span><span class=\"SDE5 SA7 S2\" id=\"t1c_51\">97 </span><span class=\"SDE6 SB S2\" id=\"t1d_51\">Closing balance </span><span class=\"SDE7 SB S2\" id=\"t1e_51\">3,837 </span><span class=\"SDE8 SB S2\" id=\"t1f_51\">2,994 </span><span class=\"SDE9 SA7 S2\" id=\"t1g_51\">Interest conditions of placements with other banks: </span><span class=\"SDEA SB S2\" id=\"t1h_51\">2022 </span><span class=\"SDEB SB S2\" id=\"t1i_51\">2021 </span><span class=\"SDEC SA7 S2\" id=\"t1j_51\">Interest rates on placements with other banks </span><span class=\"SDED SA7 S2\" id=\"t1k_51\">denominated in HUF </span><span class=\"SDEE SA7 S2\" id=\"t1l_51\">0.00% - 25.70% </span><span class=\"SDEF SA7 S2\" id=\"t1m_51\">(1.50)% - 5.90% </span><span class=\"SDF0 SA7 S2\" id=\"t1n_51\">Interest rates on placements with other banks </span><span class=\"SDF1 SA7 S2\" id=\"t1o_51\">denominated in foreign currency </span><span class=\"SDF2 SA7 S2\" id=\"t1p_51\">(1.5)% - 13.29% </span><span class=\"SDF3 SA7 S2\" id=\"t1q_51\">(5.00)% - 29.00% </span><span class=\"SDF4 SB S2\" id=\"t1r_51\">2022 </span><span class=\"SDF5 SB S2\" id=\"t1s_51\">2021 </span><span class=\"SDF6 SA7 S2\" id=\"t1t_51\">Average interest rates on placements </span><span class=\"SDF7 SA7 S2\" id=\"t1u_51\">with other banks (%) </span><span class=\"SDF8 SA7 S2\" id=\"t1v_51\">11.02% </span><span class=\"SDF9 SA7 S2\" id=\"t1w_51\">1.52% </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5057": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_51\">NOTE 6: </span><span class=\"SDB9 SB S2\" id=\"t4_51\">PLACEMENTS WITH OTHER BANKS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_51\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_51\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_51\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_51\">In HUF </span><span class=\"SDBE SA7 S2\" id=\"t9_51\">681,892 </span><span class=\"SDBF SA7 S2\" id=\"ta_51\">851,053 </span><span class=\"SDC0 SA7 S2\" id=\"tb_51\">In foreign currency </span><span class=\"SDC1 SA7 S2\" id=\"tc_51\">447,648 </span><span class=\"SDC2 SA7 S2\" id=\"td_51\">523,205 </span><span class=\"SDC3 SB S2\" id=\"te_51\">1,129,540 </span><span class=\"SDC4 SB S2\" id=\"tf_51\">1,374,258 </span><span class=\"SDC5 SA7 S2\" id=\"tg_51\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_51\">In HUF </span><span class=\"SDC7 SA7 S2\" id=\"ti_51\">199,056 </span><span class=\"SDC8 SA7 S2\" id=\"tj_51\">162,774 </span><span class=\"SDC9 SA7 S2\" id=\"tk_51\">In foreign currency </span><span class=\"SDCA SA7 S2\" id=\"tl_51\">26,323 </span><span class=\"SDCB SA7 S2\" id=\"tm_51\">50,823 </span><span class=\"SDCC SB S2\" id=\"tn_51\">225,379 </span><span class=\"SDCD SB S2\" id=\"to_51\">213,597 </span><span class=\"SDCE SA7 S2\" id=\"tp_51\">Loss allowance on placements </span><span class=\"SDCF SA7 S2\" id=\"tq_51\">(3,837) </span><span class=\"SDD0 SA7 S2\" id=\"tr_51\">(2,994) </span><span class=\"SDD1 SB S2\" id=\"ts_51\">Total </span><span class=\"SDD2 SB S2\" id=\"tt_51\">1,351,082 </span><span class=\"SDD3 SB S2\" id=\"tu_51\">1,584,861 </span><span class=\"SDD4 SA7 S2\" id=\"tv_51\">An analysis of the change in the loss allowance on placements with other banks is as follows: </span><span class=\"SDD5 SB S2\" id=\"tw_51\">2022 </span><span class=\"SDD6 SB S2\" id=\"tx_51\">2021 </span><span class=\"SDD7 SB S2\" id=\"ty_51\">Balance as at 1 January </span><span class=\"SDD8 SB S2\" id=\"tz_51\">2,994 </span><span class=\"SDD9 SB S2\" id=\"t10_51\">1,489 </span><span class=\"SDDA SA7 S2\" id=\"t11_51\">Loss allowance for the period </span><span class=\"SDDB SA7 S2\" id=\"t12_51\">38,314 </span><span class=\"SDDC SA7 S2\" id=\"t13_51\">25,133 </span><span class=\"SDDD SA7 S2\" id=\"t14_51\">Release of loss allowance for the period </span><span class=\"SDDE SA7 S2\" id=\"t15_51\">(38,378) </span><span class=\"SDDF SA7 S2\" id=\"t16_51\">(23,613) </span><span class=\"SDE0 SA7 S2\" id=\"t17_51\">Use of loss allowance for the period </span><span class=\"SDE1 SA7 S2\" id=\"t18_51\">(100) </span><span class=\"SDE2 SA7 S2\" id=\"t19_51\">(112) </span><span class=\"SDE3 SA7 S2\" id=\"t1a_51\">Foreign currency translation difference </span><span class=\"SDE4 SA7 S2\" id=\"t1b_51\">1,007 </span><span class=\"SDE5 SA7 S2\" id=\"t1c_51\">97 </span><span class=\"SDE6 SB S2\" id=\"t1d_51\">Closing balance </span><span class=\"SDE7 SB S2\" id=\"t1e_51\">3,837 </span><span class=\"SDE8 SB S2\" id=\"t1f_51\">2,994 </span><span class=\"SDE9 SA7 S2\" id=\"t1g_51\">Interest conditions of placements with other banks: </span><span class=\"SDEA SB S2\" id=\"t1h_51\">2022 </span><span class=\"SDEB SB S2\" id=\"t1i_51\">2021 </span><span class=\"SDEC SA7 S2\" id=\"t1j_51\">Interest rates on placements with other banks </span><span class=\"SDED SA7 S2\" id=\"t1k_51\">denominated in HUF </span><span class=\"SDEE SA7 S2\" id=\"t1l_51\">0.00% - 25.70% </span><span class=\"SDEF SA7 S2\" id=\"t1m_51\">(1.50)% - 5.90% </span><span class=\"SDF0 SA7 S2\" id=\"t1n_51\">Interest rates on placements with other banks </span><span class=\"SDF1 SA7 S2\" id=\"t1o_51\">denominated in foreign currency </span><span class=\"SDF2 SA7 S2\" id=\"t1p_51\">(1.5)% - 13.29% </span><span class=\"SDF3 SA7 S2\" id=\"t1q_51\">(5.00)% - 29.00% </span><span class=\"SDF4 SB S2\" id=\"t1r_51\">2022 </span><span class=\"SDF5 SB S2\" id=\"t1s_51\">2021 </span><span class=\"SDF6 SA7 S2\" id=\"t1t_51\">Average interest rates on placements </span><span class=\"SDF7 SA7 S2\" id=\"t1u_51\">with other banks (%) </span><span class=\"SDF8 SA7 S2\" id=\"t1v_51\">11.02% </span><span class=\"SDF9 SA7 S2\" id=\"t1w_51\">1.52% </span><span class=\"S583 SB S2\" id=\"t3_52\">NOTE 7: </span><span class=\"SDFA SB S2\" id=\"t4_52\">REPO RECEIVABLES (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t5_52\">2022 </span><span class=\"SD72 SB S2\" id=\"t6_52\">2021 </span><span class=\"SDFB SA7 S2\" id=\"t7_52\">Within one year </span><span class=\"SD74 SA7 S2\" id=\"t8_52\">In HUF </span><span class=\"SD75 SA7 S2\" id=\"t9_52\">41,250 </span><span class=\"SD76 SA7 S2\" id=\"ta_52\">33,710 </span><span class=\"SDFC SA7 S2\" id=\"tb_52\">In foreign currency </span><span class=\"SDFD SA7 S2\" id=\"tc_52\">- </span><span class=\"SDFE SA7 S2\" id=\"td_52\">27,632 </span><span class=\"SDFF SB S2\" id=\"te_52\">41,250 </span><span class=\"SE00 SB S2\" id=\"tf_52\">61,342 </span><span class=\"SE01 SA7 S2\" id=\"tg_52\">Over one year </span><span class=\"SE02 SA7 S2\" id=\"th_52\">In HUF </span><span class=\"SE03 SA7 S2\" id=\"ti_52\">- </span><span class=\"SE04 SA7 S2\" id=\"tj_52\">- </span><span class=\"SE05 SA7 S2\" id=\"tk_52\">In foreign currency </span><span class=\"SE06 SA7 S2\" id=\"tl_52\">- </span><span class=\"SE07 SA7 S2\" id=\"tm_52\">- </span><span class=\"SE08 SB S2\" id=\"tn_52\">- </span><span class=\"SE09 SB S2\" id=\"to_52\">- </span><span class=\"SE0A SA7 S2\" id=\"tp_52\">Loss allowance on repo receivables </span><span class=\"SE0B SA7 S2\" id=\"tq_52\">(241) </span><span class=\"SE0C SA7 S2\" id=\"tr_52\">(290) </span><span class=\"SE0D SB S2\" id=\"ts_52\">Total </span><span class=\"SE0E SB S2\" id=\"tt_52\">41,009 </span><span class=\"SE0F SB S2\" id=\"tu_52\">61,052 </span><span class=\"SE10 SA7 S2\" id=\"tv_52\">An analysis of the change in the loss allowance on repo receivables is as follows: </span><span class=\"SE11 SB S2\" id=\"tw_52\">2022 </span><span class=\"SE12 SB S2\" id=\"tx_52\">2021 </span><span class=\"SE13 SB S2\" id=\"ty_52\">Balance as at 1 January </span><span class=\"SE14 SB S2\" id=\"tz_52\">290 </span><span class=\"SE15 SB S2\" id=\"t10_52\">292 </span><span class=\"SE16 SA7 S2\" id=\"t11_52\">Loss allowance for the period </span><span class=\"SE17 SA7 S2\" id=\"t12_52\">4,744 </span><span class=\"SE18 SA7 S2\" id=\"t13_52\">1,112 </span><span class=\"SE19 SA7 S2\" id=\"t14_52\">Release of loss allowance for the period </span><span class=\"SE1A SA7 S2\" id=\"t15_52\">(4,794) </span><span class=\"SE1B SA7 S2\" id=\"t16_52\">(1,124) </span><span class=\"SE1C SA7 S2\" id=\"t17_52\">Use of loss allowance </span><span class=\"SE1D SA7 S2\" id=\"t18_52\">- </span><span class=\"SE1E SA7 S2\" id=\"t19_52\">- </span><span class=\"SE1F SA7 S2\" id=\"t1a_52\">Foreign currency translation difference </span><span class=\"SE20 SA7 S2\" id=\"t1b_52\">1 </span><span class=\"SE21 SA7 S2\" id=\"t1c_52\">10 </span><span class=\"SE22 SB S2\" id=\"t1d_52\">Closing balance </span><span class=\"SE23 SB S2\" id=\"t1e_52\">241 </span><span class=\"SE24 SB S2\" id=\"t1f_52\">290 </span><span class=\"SE25 SA7 S2\" id=\"t1g_52\">Interest conditions of repo receivables (%): </span><span class=\"SE26 SB S2\" id=\"t1h_52\">2022 </span><span class=\"SE27 SB S2\" id=\"t1i_52\">2021 </span><span class=\"SE28 SA7 S2\" id=\"t1j_52\">Interest rates on repo receivables denominated </span><span class=\"SE29 SA7 S2\" id=\"t1k_52\">in HUF </span><span class=\"SE2A SA7 S2\" id=\"t1l_52\">10.70% - 18.00% </span><span class=\"SE2B SA7 S2\" id=\"t1m_52\">3.04% - 3.20 % </span><span class=\"SE2C SA7 S2\" id=\"t1n_52\">Interest rates on repo receivables denominated </span><span class=\"SE2D SA7 S2\" id=\"t1o_52\">in foreign currency </span><span class=\"SE2E SA7 S2\" id=\"t1p_52\">- </span><span class=\"SE2F SA7 S2\" id=\"t1q_52\">(0.58)% - 9.62% </span><span class=\"S583 SB S2\" id=\"t3_53\">NOTE 8: </span><span class=\"S6B1 SB S2\" id=\"t4_53\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_53\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_53\">2021 </span><span class=\"SE30 SB S2\" id=\"t7_53\">Securities held for trading </span><span class=\"SE31 SA7 S2\" id=\"t8_53\">Government bonds </span><span class=\"SE32 SA7 S2\" id=\"t9_53\">78,897 </span><span class=\"SE33 SA7 S2\" id=\"ta_53\">97,531 </span><span class=\"SE34 SA7 S2\" id=\"tb_53\">Equity instruments and fund units </span><span class=\"SE35 SA7 S2\" id=\"tc_53\">385 </span><span class=\"SE36 SA7 S2\" id=\"td_53\">1,173 </span><span class=\"SE37 SA7 S2\" id=\"te_53\">Corporate bonds </span><span class=\"SE38 SA7 S2\" id=\"tf_53\">119 </span><span class=\"SE39 SA7 S2\" id=\"tg_53\">740 </span><span class=\"SE3A SA7 S2\" id=\"th_53\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"ti_53\">22,896 </span><span class=\"SE3C SA7 S2\" id=\"tj_53\">923 </span><span class=\"SE3D SA7 S2\" id=\"tk_53\">Mortgage bonds </span><span class=\"SE3E SA7 S2\" id=\"tl_53\">72 </span><span class=\"SE3F SA7 S2\" id=\"tm_53\">101 </span><span class=\"SDC9 SA7 S2\" id=\"tn_53\">Other interest-bearing securities </span><span class=\"SE40 SA7 S2\" id=\"to_53\">1,628 </span><span class=\"SE41 SA7 S2\" id=\"tp_53\">1,347 </span><span class=\"SE42 SA7 S2\" id=\"tq_53\">Other non-interest-bearing securities </span><span class=\"SE43 SA7 S2\" id=\"tr_53\">753 </span><span class=\"SE44 SA7 S2\" id=\"ts_53\">1,695 </span><span class=\"SE45 SB S2\" id=\"tt_53\">104,750 </span><span class=\"SE46 SB S2\" id=\"tu_53\">103,510 </span><span class=\"SE47 SB S2\" id=\"tv_53\">Non-trading securities mandatorily at </span><span class=\"SE48 SB S2\" id=\"tw_53\">fair value through profit or loss </span><span class=\"SE49 SA7 S2\" id=\"tx_53\">Equity instruments, shares and open-ended fund units </span><span class=\"SE4A SA7 S2\" id=\"ty_53\">49,746 </span><span class=\"SE4B SA7 S2\" id=\"tz_53\">44,894 </span><span class=\"SE4C SA7 S2\" id=\"t10_53\">Bonds </span><span class=\"SE4D SA7 S2\" id=\"t11_53\">5,409 </span><span class=\"SE4E SA7 S2\" id=\"t12_53\">8,509 </span><span class=\"SE4F SB S2\" id=\"t13_53\">55,155 </span><span class=\"SE50 SB S2\" id=\"t14_53\">53,403 </span><span class=\"SE51 SB S2\" id=\"t15_53\">Debt securities designated at </span><span class=\"SE52 SB S2\" id=\"t16_53\">fair value through profit or loss </span><span class=\"SE53 SB S2\" id=\"t17_53\">- </span><span class=\"SE54 SB S2\" id=\"t18_53\">- </span><span class=\"SE55 SB S2\" id=\"t19_53\">Total </span><span class=\"SE56 SB S2\" id=\"t1a_53\">159,905 </span><span class=\"SE57 SB S2\" id=\"t1b_53\">156,913 </span><span class=\"SE58 SB S2\" id=\"t1c_53\">Positive fair value of derivative financial assets held for trading </span><span class=\"SE59 SB S2\" id=\"t1d_53\">2022 </span><span class=\"SE5A SB S2\" id=\"t1e_53\">2021 </span><span class=\"S6CB SA7 S2\" id=\"t1f_53\">Foreign exchange swaps held for trading </span><span class=\"SE5B SA7 S2\" id=\"t1g_53\">79,395 </span><span class=\"SE5C SA7 S2\" id=\"t1h_53\">38,728 </span><span class=\"SE5D SA7 S2\" id=\"t1i_53\">Interest rate swaps held for trading </span><span class=\"SE5E SA7 S2\" id=\"t1j_53\">127,230 </span><span class=\"SE5F SA7 S2\" id=\"t1k_53\">59,504 </span><span class=\"SE60 SA7 S2\" id=\"t1l_53\">Commodity swaps </span><span class=\"SE61 SA7 S2\" id=\"t1m_53\">33,693 </span><span class=\"SE62 SA7 S2\" id=\"t1n_53\">51,523 </span><span class=\"SE63 SA7 S2\" id=\"t1o_53\">CCIRS and mark-to-market CCIRS </span><span class=\"SE64 SA7 S2\" id=\"t1p_53\">held-for-trading </span><span class=\"SE65 SE8B S2\" id=\"t1q_53\">1 </span><span class=\"SE66 SA7 S2\" id=\"t1r_53\">20,512 </span><span class=\"SE67 SA7 S2\" id=\"t1s_53\">11,758 </span><span class=\"SE68 SA7 S2\" id=\"t1t_53\">Foreign exchange forward contracts held for trading </span><span class=\"SE69 SA7 S2\" id=\"t1u_53\">13,085 </span><span class=\"SE6A SA7 S2\" id=\"t1v_53\">10,790 </span><span class=\"SE6B SA7 S2\" id=\"t1w_53\">Held-for-trading option contracts </span><span class=\"SE6C SA7 S2\" id=\"t1x_53\">2,122 </span><span class=\"SE6D SA7 S2\" id=\"t1y_53\">1,285 </span><span class=\"SE6E SA7 S2\" id=\"t1z_53\">Held-for-trading forward security agreement </span><span class=\"SE6F SA7 S2\" id=\"t20_53\">13 </span><span class=\"SE70 SA7 S2\" id=\"t21_53\">- </span><span class=\"SE71 SA7 S2\" id=\"t22_53\">Other derivative transactions held for trading </span><span class=\"SE72 SE8B S2\" id=\"t23_53\">2 </span><span class=\"SE73 SA7 S2\" id=\"t24_53\">432 </span><span class=\"SE74 SA7 S2\" id=\"t25_53\">10,896 </span><span class=\"SE75 SB S2\" id=\"t26_53\">Total </span><span class=\"SE76 SB S2\" id=\"t27_53\">276,482 </span><span class=\"SE77 SB S2\" id=\"t28_53\">184,484 </span><span class=\"SE78 SB S2\" id=\"t29_53\">Total </span><span class=\"SE79 SB S2\" id=\"t2a_53\">436,387 </span><span class=\"SE7A SB S2\" id=\"t2b_53\">341,397 </span><span class=\"SE7B S482 S2\" id=\"t2c_53\">1 </span><span class=\"SE7C S483 S2\" id=\"t2d_53\">CCIRS: Cross Currency Interest Rate Swaps (See Note 2.6.3.) </span><span class=\"SE7D S482 S2\" id=\"t2e_53\">2 </span><span class=\"SE7E S483 S2\" id=\"t2f_53\">Other category includes: fx spot, equity swaps, option and index futures. </span><span class=\"SE7F SA7 S2\" id=\"t2g_53\">An analysis of securities held for trading portfolio by currency (%): </span><span class=\"SE80 SB S2\" id=\"t2h_53\">2022 </span><span class=\"SE81 SB S2\" id=\"t2i_53\">2021 </span><span class=\"SE82 SA7 S2\" id=\"t2j_53\">Denominated in HUF </span><span class=\"SE83 SA7 S2\" id=\"t2k_53\">81.47% </span><span class=\"SE84 SA7 S2\" id=\"t2l_53\">30.46% </span><span class=\"SE85 SA7 S2\" id=\"t2m_53\">Denominated in foreign currency </span><span class=\"SE86 SA7 S2\" id=\"t2n_53\">18.53% </span><span class=\"SE87 SA7 S2\" id=\"t2o_53\">69.54% </span><span class=\"SE88 SB S2\" id=\"t2p_53\">Total </span><span class=\"SE89 SB S2\" id=\"t2q_53\">100.0% </span><span class=\"SE8A SB S2\" id=\"t2r_53\">100.0% </span><span class=\"S583 SB S2\" id=\"t3_54\">NOTE 8: </span><span class=\"SE8C SB S2\" id=\"t4_54\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_54\">[continued] </span><span class=\"SE8D SA7 S2\" id=\"t6_54\">An analysis of government bond portfolio by currency (%): </span><span class=\"SE8E SB S2\" id=\"t7_54\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_54\">2021 </span><span class=\"SE90 SA7 S2\" id=\"t9_54\">Denominated in HUF </span><span class=\"SE91 SA7 S2\" id=\"ta_54\">78.42% </span><span class=\"SE92 SA7 S2\" id=\"tb_54\">28.31% </span><span class=\"SE93 SA7 S2\" id=\"tc_54\">Denominated in foreign currency </span><span class=\"SE94 SA7 S2\" id=\"td_54\">21.58% </span><span class=\"SE95 SA7 S2\" id=\"te_54\">71.69% </span><span class=\"SE96 SB S2\" id=\"tf_54\">Total </span><span class=\"SE97 SB S2\" id=\"tg_54\">100.00% </span><span class=\"SE98 SB S2\" id=\"th_54\">100.00% </span><span class=\"SE99 SA7 S2\" id=\"ti_54\">Interest conditions of held for trading securities (%): </span><span class=\"SE9A SB S2\" id=\"tj_54\">2022 </span><span class=\"SE9B SB S2\" id=\"tk_54\">2021 </span><span class=\"SE9C SA7 S2\" id=\"tl_54\">Interest rates on securities held for trading </span><span class=\"SE9D SA7 S2\" id=\"tm_54\">denominated in HUF </span><span class=\"SE9E SA7 S2\" id=\"tn_54\">0.00% - 16.69% </span><span class=\"SE9F SA7 S2\" id=\"to_54\">0.00% - 6.75% </span><span class=\"SEA0 SA7 S2\" id=\"tp_54\">Interest rates on securities held for trading </span><span class=\"SEA1 SA7 S2\" id=\"tq_54\">denominated in foreign currency </span><span class=\"SEA2 SA7 S2\" id=\"tr_54\">0.00% - 7.63% </span><span class=\"SEA3 SA7 S2\" id=\"ts_54\">0.00% - 9.57% </span><span class=\"SEA4 SA7 S2\" id=\"tt_54\">Interest conditions and the remaining maturities of </span><span class=\"SEA5 SB S2\" id=\"tu_54\">securities held for trading </span><span class=\"SEA6 SA7 S2\" id=\"tv_54\">can be analysed as follows: </span><span class=\"SEA7 SB S2\" id=\"tw_54\">2022 </span><span class=\"SEA8 SB S2\" id=\"tx_54\">2021 </span><span class=\"SEA9 SA7 S2\" id=\"ty_54\">Within one year </span><span class=\"SEAA SA7 S2\" id=\"tz_54\">With variable interest </span><span class=\"SEAB SA7 S2\" id=\"t10_54\">3,041 </span><span class=\"SEAC SA7 S2\" id=\"t11_54\">111 </span><span class=\"SEAD SA7 S2\" id=\"t12_54\">With fixed interest </span><span class=\"SEAE SA7 S2\" id=\"t13_54\">29,025 </span><span class=\"SEAF SA7 S2\" id=\"t14_54\">44,011 </span><span class=\"SEB0 SB S2\" id=\"t15_54\">32,066 </span><span class=\"SEB1 SB S2\" id=\"t16_54\">44,122 </span><span class=\"SEB2 SA7 S2\" id=\"t17_54\">Over one year </span><span class=\"SEB3 SA7 S2\" id=\"t18_54\">With variable interest </span><span class=\"SEB4 SA7 S2\" id=\"t19_54\">9,535 </span><span class=\"SEB5 SA7 S2\" id=\"t1a_54\">1,544 </span><span class=\"SEB6 SA7 S2\" id=\"t1b_54\">With fixed interest </span><span class=\"SEB7 SA7 S2\" id=\"t1c_54\">62,011 </span><span class=\"SEB8 SA7 S2\" id=\"t1d_54\">54,976 </span><span class=\"SEB9 SB S2\" id=\"t1e_54\">71,546 </span><span class=\"SEBA SB S2\" id=\"t1f_54\">56,520 </span><span class=\"SEBB SA7 S2\" id=\"t1g_54\">Non-interest-bearing securities </span><span class=\"SEBC SA7 S2\" id=\"t1h_54\">1,138 </span><span class=\"SEBD SA7 S2\" id=\"t1i_54\">2,868 </span><span class=\"SEBE SB S2\" id=\"t1j_54\">Total </span><span class=\"SEBF SB S2\" id=\"t1k_54\">104,750 </span><span class=\"SEC0 SB S2\" id=\"t1l_54\">103,510 </span><span class=\"SEC1 SB S2\" id=\"t1m_54\">2022 </span><span class=\"SEC2 SB S2\" id=\"t1n_54\">2021 </span><span class=\"SEC3 SA7 S2\" id=\"t1o_54\">Profit from associates from shares measured </span><span class=\"SEC4 SA7 S2\" id=\"t1p_54\">at fair value through profit or loss </span><span class=\"SEC5 SA7 S2\" id=\"t1q_54\">12,216 </span><span class=\"SEC6 SA7 S2\" id=\"t1r_54\">3,893 </span><span class=\"SEC7 SA7 S2\" id=\"t1s_54\">An analysis of </span><span class=\"SEC8 SB S2\" id=\"t1t_54\">non-trading securities </span><span class=\"SEC9 SA7 S2\" id=\"t1u_54\">mandatorily measured at fair value through profit or loss portfolio by </span><span class=\"SECA SA7 S2\" id=\"t1v_54\">currency (%): </span><span class=\"SECB SB S2\" id=\"t1w_54\">2022 </span><span class=\"SECC SB S2\" id=\"t1x_54\">2021 </span><span class=\"SECD SA7 S2\" id=\"t1y_54\">Denominated in HUF </span><span class=\"SECE SA7 S2\" id=\"t1z_54\">60.69% </span><span class=\"SECF SA7 S2\" id=\"t20_54\">57.11% </span><span class=\"SED0 SA7 S2\" id=\"t21_54\">Denominated in foreign currency </span><span class=\"SED1 SA7 S2\" id=\"t22_54\">39.31% </span><span class=\"SED2 SA7 S2\" id=\"t23_54\">42.89% </span><span class=\"SED3 SB S2\" id=\"t24_54\">Total </span><span class=\"SED4 SB S2\" id=\"t25_54\">100.00% </span><span class=\"SED5 SB S2\" id=\"t26_54\">100.00% </span><span class=\"SED6 SB S2\" id=\"t27_54\">2022 </span><span class=\"SED7 SB S2\" id=\"t28_54\">2021 </span><span class=\"SED8 SA7 S2\" id=\"t29_54\">Interest rates on non-trading securities mandatorily </span><span class=\"SED9 SA7 S2\" id=\"t2a_54\">measured at fair value through profit or loss </span><span class=\"SEDA SA7 S2\" id=\"t2b_54\">0.00% - 0.00% </span><span class=\"SEDB SA7 S2\" id=\"t2c_54\">0.00% - 0.00% </span><span class=\"SEDC SB S2\" id=\"t3_55\">NOTE 9: </span><span class=\"SEDD SB S2\" id=\"t4_55\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (in </span><span class=\"SEDE SB S2\" id=\"t5_55\">HUF mn) </span><span class=\"SEDF SB S2\" id=\"t6_55\">2022 </span><span class=\"SEE0 SB S2\" id=\"t7_55\">2021 </span><span class=\"SEE1 SB S2\" id=\"t8_55\">Securities at fair value through other </span><span class=\"SEE2 SB S2\" id=\"t9_55\">comprehensive income </span><span class=\"SEE3 SA7 S2\" id=\"ta_55\">Government bonds </span><span class=\"SEE4 SA7 S2\" id=\"tb_55\">1,301,179 </span><span class=\"SEE5 SA7 S2\" id=\"tc_55\">1,765,172 </span><span class=\"SEE6 SA7 S2\" id=\"td_55\">Corporate bonds </span><span class=\"SE3B SA7 S2\" id=\"te_55\">82,651 </span><span class=\"SEE7 SA7 S2\" id=\"tf_55\">88,519 </span><span class=\"SEE8 SA7 S2\" id=\"tg_55\">Listed securities: </span><span class=\"SEE9 SF33 S2\" id=\"th_55\">In HUF </span><span class=\"SEEA SF33 S2\" id=\"ti_55\">- </span><span class=\"SEEB SF33 S2\" id=\"tj_55\">2,896 </span><span class=\"SEEC SF33 S2\" id=\"tk_55\">In foreign currency </span><span class=\"SEED SF33 S2\" id=\"tl_55\">13,626 </span><span class=\"SEEE SF33 S2\" id=\"tm_55\">51,882 </span><span class=\"SEEF SB S2\" id=\"tn_55\">13,626 </span><span class=\"SEF0 SB S2\" id=\"to_55\">54,778 </span><span class=\"SEF1 SA7 S2\" id=\"tp_55\">Non-listed securities: </span><span class=\"SEF2 SF33 S2\" id=\"tq_55\">In HUF </span><span class=\"SEF3 SF33 S2\" id=\"tr_55\">14,304 </span><span class=\"SEF4 SF33 S2\" id=\"ts_55\">15,487 </span><span class=\"SEF5 SF33 S2\" id=\"tt_55\">In foreign currency </span><span class=\"SEF6 SF33 S2\" id=\"tu_55\">54,721 </span><span class=\"SEF7 SF33 S2\" id=\"tv_55\">18,254 </span><span class=\"SEF8 SB S2\" id=\"tw_55\">69,025 </span><span class=\"SEF9 SB S2\" id=\"tx_55\">33,741 </span><span class=\"SEFA SA7 S2\" id=\"ty_55\">Mortgage bonds </span><span class=\"SEFB SA7 S2\" id=\"tz_55\">54,553 </span><span class=\"SEFC SA7 S2\" id=\"t10_55\">63,072 </span><span class=\"SEFD SA7 S2\" id=\"t11_55\">Discounted Treasury bills </span><span class=\"SEFE SA7 S2\" id=\"t12_55\">- </span><span class=\"SEFF SA7 S2\" id=\"t13_55\">96,625 </span><span class=\"SF00 SA7 S2\" id=\"t14_55\">Interest bearing treasury bills </span><span class=\"SF01 SA7 S2\" id=\"t15_55\">182,726 </span><span class=\"SF02 SA7 S2\" id=\"t16_55\">63,115 </span><span class=\"SF03 SA7 S2\" id=\"t17_55\">Securities issued by the National Bank of Hungary </span><span class=\"SF04 SA7 S2\" id=\"t18_55\">74,867 </span><span class=\"SF05 SA7 S2\" id=\"t19_55\">109,774 </span><span class=\"SF06 SA7 S2\" id=\"t1a_55\">Other securities </span><span class=\"SF07 SA7 S2\" id=\"t1b_55\">3,470 </span><span class=\"SF08 SA7 S2\" id=\"t1c_55\">3,257 </span><span class=\"SF09 SB S2\" id=\"t1d_55\">Total </span><span class=\"SF0A SB S2\" id=\"t1e_55\">1,699,446 </span><span class=\"SF0B SB S2\" id=\"t1f_55\">2,189,534 </span><span class=\"SF0C SB S2\" id=\"t1g_55\">2022 </span><span class=\"SF0D SB S2\" id=\"t1h_55\">2021 </span><span class=\"SF0E SB S2\" id=\"t1i_55\">Non-trading equity instruments to be measured </span><span class=\"SF0F SB S2\" id=\"t1j_55\">at fair value through other comprehensive income </span><span class=\"SF10 SA7 S2\" id=\"t1k_55\">Listed securities: </span><span class=\"SF11 SF33 S2\" id=\"t1l_55\">In HUF </span><span class=\"SF12 SF33 S2\" id=\"t1m_55\">- </span><span class=\"SF13 SF33 S2\" id=\"t1n_55\">- </span><span class=\"SF14 SF33 S2\" id=\"t1o_55\">In foreign currency </span><span class=\"SF15 SF33 S2\" id=\"t1p_55\">11,233 </span><span class=\"SF16 SF33 S2\" id=\"t1q_55\">8,416 </span><span class=\"SF17 SB S2\" id=\"t1r_55\">11,233 </span><span class=\"SF18 SB S2\" id=\"t1s_55\">8,416 </span><span class=\"SF19 SA7 S2\" id=\"t1t_55\">Non-listed securities: </span><span class=\"SF1A SF33 S2\" id=\"t1u_55\">In HUF </span><span class=\"SF1B SF33 S2\" id=\"t1v_55\">403 </span><span class=\"SF1C SF33 S2\" id=\"t1w_55\">403 </span><span class=\"SF1D SF33 S2\" id=\"t1x_55\">In foreign currency </span><span class=\"SF1E SF33 S2\" id=\"t1y_55\">28,521 </span><span class=\"SF1F SF33 S2\" id=\"t1z_55\">26,157 </span><span class=\"SF20 SB S2\" id=\"t20_55\">28,924 </span><span class=\"SF21 SB S2\" id=\"t21_55\">26,560 </span><span class=\"SF22 SB S2\" id=\"t22_55\">40,157 </span><span class=\"SF23 SB S2\" id=\"t23_55\">34,976 </span><span class=\"SF24 SB S2\" id=\"t24_55\">Total </span><span class=\"SF25 SB S2\" id=\"t25_55\">1,739,603 </span><span class=\"SF26 SB S2\" id=\"t26_55\">2,224,510 </span><span class=\"SF27 SA7 S2\" id=\"t27_55\">An analysis of securities at fair value through other comprehensive income by currency (%): </span><span class=\"SF28 SB S2\" id=\"t28_55\">2022 </span><span class=\"SF29 SB S2\" id=\"t29_55\">2021 </span><span class=\"SF2A SA7 S2\" id=\"t2a_55\">Denominated in HUF </span><span class=\"SF2B SA7 S2\" id=\"t2b_55\">36.47% </span><span class=\"SF2C SA7 S2\" id=\"t2c_55\">32.74% </span><span class=\"SF2D SA7 S2\" id=\"t2d_55\">Denominated in foreign currency </span><span class=\"SF2E SA7 S2\" id=\"t2e_55\">63.53% </span><span class=\"SF2F SA7 S2\" id=\"t2f_55\">67.26% </span><span class=\"SF30 SB S2\" id=\"t2g_55\">Total </span><span class=\"SF31 SB S2\" id=\"t2h_55\">100.00% </span><span class=\"SF32 SB S2\" id=\"t2i_55\">100.00% </span><span class=\"S583 SB S2\" id=\"t3_56\">NOTE 9: </span><span class=\"SF34 SB S2\" id=\"t4_56\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME </span><span class=\"SF35 SB S2\" id=\"t5_56\">(in HUF mn) [continued] </span><span class=\"SF36 SA7 S2\" id=\"t6_56\">Detailed information of the non-trading equity instruments to be measured at fair value through other </span><span class=\"SF37 SA7 S2\" id=\"t7_56\">comprehensive income: </span><span class=\"SF38 SB S2\" id=\"t8_56\">2022 </span><span class=\"SF39 SB S2\" id=\"t9_56\">2021 </span><span class=\"SF3A SB S2\" id=\"ta_56\">Strategic investments closely related to banking actitvity </span><span class=\"SF3B SA7 S2\" id=\"tb_56\">Fair value </span><span class=\"SF3C SA7 S2\" id=\"tc_56\">31,873 </span><span class=\"SF3D SA7 S2\" id=\"td_56\">29,320 </span><span class=\"SF3E SA7 S2\" id=\"te_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF3F SA7 S2\" id=\"tf_56\">1,120 </span><span class=\"SF40 SA7 S2\" id=\"tg_56\">438 </span><span class=\"SF41 SA7 S2\" id=\"th_56\">Derecognition </span><span class=\"SF42 SA7 S2\" id=\"ti_56\">Fair value of derecognized equity instrument, fund units </span><span class=\"SF43 SA7 S2\" id=\"tj_56\">- </span><span class=\"SF44 SA7 S2\" id=\"tk_56\">65 </span><span class=\"SF45 SA7 S2\" id=\"tl_56\">Cumulative gain / loss on disposal </span><span class=\"SF46 SA7 S2\" id=\"tm_56\">transferred to retained earnings </span><span class=\"SF47 SA7 S2\" id=\"tn_56\">- </span><span class=\"SF48 SA7 S2\" id=\"to_56\">29 </span><span class=\"SF49 SB S2\" id=\"tp_56\">Other strategic investments </span><span class=\"SF4A SA7 S2\" id=\"tq_56\">Fair value </span><span class=\"SF4B SA7 S2\" id=\"tr_56\">8,284 </span><span class=\"SF4C SA7 S2\" id=\"ts_56\">5,656 </span><span class=\"SF4D SA7 S2\" id=\"tt_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF4E SA7 S2\" id=\"tu_56\">59 </span><span class=\"SF4F SA7 S2\" id=\"tv_56\">29 </span><span class=\"SF50 SA7 S2\" id=\"tw_56\">Derecognition </span><span class=\"SF51 SA7 S2\" id=\"tx_56\">Cumulative gain / loss on disposal </span><span class=\"SF52 SA7 S2\" id=\"ty_56\">transferred to retained earnings </span><span class=\"SF53 SA7 S2\" id=\"tz_56\">- </span><span class=\"SF54 SA7 S2\" id=\"t10_56\">196 </span><span class=\"SF55 SB S2\" id=\"t11_56\">Total </span><span class=\"SF56 SB S2\" id=\"t12_56\">Total fair values </span><span class=\"SF57 SB S2\" id=\"t13_56\">40,157 </span><span class=\"SF58 SB S2\" id=\"t14_56\">34,976 </span><span class=\"SF59 SB S2\" id=\"t15_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF5A SB S2\" id=\"t16_56\">1,179 </span><span class=\"SF5B SB S2\" id=\"t17_56\">467 </span><span class=\"SF5C SB S2\" id=\"t18_56\">Fair value of derecognized equity instrument, fund units </span><span class=\"SF5D SB S2\" id=\"t19_56\">- </span><span class=\"SF5E SB S2\" id=\"t1a_56\">65 </span><span class=\"SF5F SB S2\" id=\"t1b_56\">Cumulative gain / loss on disposal </span><span class=\"SF60 SB S2\" id=\"t1c_56\">transferred to retained earnings </span><span class=\"SF61 SB S2\" id=\"t1d_56\">- </span><span class=\"SF62 SB S2\" id=\"t1e_56\">225 </span><span class=\"SF63 S5B9 S2\" id=\"t1f_56\">During the year ended 31 December 2022 there wasn\u2019t any sale transaction regarding equity instruments </span><span class=\"SF64 SA7 S2\" id=\"t1g_56\">designated to measure at fair value through other comprehensive income in the Group while during the year ended </span><span class=\"SF65 SA7 S2\" id=\"t1h_56\">31 December 2021 the Group sold HUF 65 million equity instruments designated to measure at fair value through </span><span class=\"SF66 SA7 S2\" id=\"t1i_56\">other comprehensive income </span><span class=\"SF67 SA7 S2\" id=\"t1j_56\">An analysis of government bonds by currency (%): </span><span class=\"SF68 SB S2\" id=\"t1k_56\">2022 </span><span class=\"SF69 SB S2\" id=\"t1l_56\">2021 </span><span class=\"SF6A SA7 S2\" id=\"t1m_56\">Denominated in HUF </span><span class=\"SF6B SA7 S2\" id=\"t1n_56\">23.64% </span><span class=\"SF6C SA7 S2\" id=\"t1o_56\">24.29% </span><span class=\"SF6D SA7 S2\" id=\"t1p_56\">Denominated in foreign currency </span><span class=\"SF6E SA7 S2\" id=\"t1q_56\">76.36% </span><span class=\"SF6F SA7 S2\" id=\"t1r_56\">75.71% </span><span class=\"SF70 SB S2\" id=\"t1s_56\">Total </span><span class=\"SF71 SB S2\" id=\"t1t_56\">100.00% </span><span class=\"SF72 SB S2\" id=\"t1u_56\">100.00% </span><span class=\"SF73 SA7 S2\" id=\"t1v_56\">Interest conditions of the security portfolio at fair value through other comprehensive income are as follows (%): </span><span class=\"SF74 SB S2\" id=\"t1w_56\">2022 </span><span class=\"SF75 SB S2\" id=\"t1x_56\">2021 </span><span class=\"SF76 SA7 S2\" id=\"t1y_56\">Interest rates on securities at fair value through </span><span class=\"SF77 SA7 S2\" id=\"t1z_56\">other comprehensive income denominated in HUF </span><span class=\"SF78 SA7 S2\" id=\"t20_56\">1.50% - 15.11% </span><span class=\"SF79 SA7 S2\" id=\"t21_56\">1.25% - 7.00% </span><span class=\"SF7A SA7 S2\" id=\"t22_56\">Interest rates on securities at fair value through </span><span class=\"SF7B SA7 S2\" id=\"t23_56\">other comprehensive income denominated </span><span class=\"SF7C SA7 S2\" id=\"t24_56\">in foreign currency </span><span class=\"SF7D SA7 S2\" id=\"t25_56\">0.00% - 18.24% </span><span class=\"SF7E SA7 S2\" id=\"t26_56\">0.00% - 17.25% </span><span class=\"SF7F SB S2\" id=\"t27_56\">2022 </span><span class=\"SF80 SB S2\" id=\"t28_56\">2021 </span><span class=\"SF81 SA7 S2\" id=\"t29_56\">Average interest rates securities at fair value through </span><span class=\"SF82 SA7 S2\" id=\"t2a_56\">other comprehensive income denominated in HUF (%) </span><span class=\"SF83 SA7 S2\" id=\"t2b_56\">3.31% </span><span class=\"SF84 SA7 S2\" id=\"t2c_56\">2.00% </span><span class=\"SF85 SA7 S2\" id=\"t2d_56\">Average interest rates on securities at fair value </span><span class=\"SF86 SA7 S2\" id=\"t2e_56\">through other comprehensive income denominated </span><span class=\"SF87 SA7 S2\" id=\"t2f_56\">in foreign currency (%) </span><span class=\"SF88 SA7 S2\" id=\"t2g_56\">2.55% </span><span class=\"SF89 SA7 S2\" id=\"t2h_56\">2.51% </span><span class=\"S583 SB S2\" id=\"t3_57\">NOTE 9: </span><span class=\"SF34 SB S2\" id=\"t4_57\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME </span><span class=\"SF35 SB S2\" id=\"t5_57\">(in HUF mn) [continued] </span><span class=\"SF8A SA7 S2\" id=\"t6_57\">Interest conditions and the remaining maturities of securities at fair value through other comprehensive income </span><span class=\"SF8B SA7 S2\" id=\"t7_57\">can be analysed as follows: </span><span class=\"SF38 SB S2\" id=\"t8_57\">2022 </span><span class=\"SF39 SB S2\" id=\"t9_57\">2021 </span><span class=\"SF8C SA7 S2\" id=\"ta_57\">Within one year </span><span class=\"SF8D SA7 S2\" id=\"tb_57\">With variable interest </span><span class=\"SF3C SA7 S2\" id=\"tc_57\">15,124 </span><span class=\"SF8E SA7 S2\" id=\"td_57\">1,091 </span><span class=\"SF8F SA7 S2\" id=\"te_57\">With fixed interest </span><span class=\"SF90 SA7 S2\" id=\"tf_57\">507,888 </span><span class=\"SF91 SA7 S2\" id=\"tg_57\">522,939 </span><span class=\"SF92 SB S2\" id=\"th_57\">523,012 </span><span class=\"SF93 SB S2\" id=\"ti_57\">524,030 </span><span class=\"SF94 SA7 S2\" id=\"tj_57\">Over one year </span><span class=\"SF95 SA7 S2\" id=\"tk_57\">With variable interest </span><span class=\"SF96 SA7 S2\" id=\"tl_57\">28,523 </span><span class=\"SF97 SA7 S2\" id=\"tm_57\">51,211 </span><span class=\"SF98 SA7 S2\" id=\"tn_57\">With fixed interest </span><span class=\"SF99 SA7 S2\" id=\"to_57\">1,147,911 </span><span class=\"SF9A SA7 S2\" id=\"tp_57\">1,614,293 </span><span class=\"SF9B SB S2\" id=\"tq_57\">1,176,434 </span><span class=\"SF9C SB S2\" id=\"tr_57\">1,665,504 </span><span class=\"SF9D SA7 S2\" id=\"ts_57\">Non-interest-bearing securities </span><span class=\"SF9E SA7 S2\" id=\"tt_57\">40,157 </span><span class=\"SF9F SA7 S2\" id=\"tu_57\">34,976 </span><span class=\"SFA0 SB S2\" id=\"tv_57\">Total </span><span class=\"SFA1 SB S2\" id=\"tw_57\">1,739,603 </span><span class=\"SFA2 SB S2\" id=\"tx_57\">2,224,510 </span><span class=\"SFA3 SA7 S2\" id=\"ty_57\">Certain securities are hedged against interest rate risk. See Note 37.4. </span><span class=\"SFA4 SB S2\" id=\"t3_58\">NOTE 10: </span><span class=\"SFA5 SB S2\" id=\"t4_58\">SECURITIES AT AMORTIZED COST (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_58\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_58\">2021 </span><span class=\"SFA6 SA7 S2\" id=\"t7_58\">Government bonds </span><span class=\"SFA7 SA7 S2\" id=\"t8_58\">4,375,085 </span><span class=\"SFA8 SA7 S2\" id=\"t9_58\">3,651,508 </span><span class=\"SFA9 SA7 S2\" id=\"ta_58\">Corporate bonds </span><span class=\"SFAA SA7 S2\" id=\"tb_58\">250,538 </span><span class=\"SDC2 SA7 S2\" id=\"tc_58\">172,526 </span><span class=\"SFAB SA7 S2\" id=\"td_58\">Bonds of Hungarian National Bank </span><span class=\"SFAC SA7 S2\" id=\"te_58\">177,679 </span><span class=\"SFAD SA7 S2\" id=\"tf_58\">- </span><span class=\"SFAE SA7 S2\" id=\"tg_58\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"th_58\">19,539 </span><span class=\"SEE7 SA7 S2\" id=\"ti_58\">15,705 </span><span class=\"SFAF SA7 S2\" id=\"tj_58\">Mortgage bonds </span><span class=\"SFB0 SA7 S2\" id=\"tk_58\">24,586 </span><span class=\"SFB1 SA7 S2\" id=\"tl_58\">24,356 </span><span class=\"SFB2 SA7 S2\" id=\"tm_58\">Interest bearing Treasury bills </span><span class=\"SE40 SA7 S2\" id=\"tn_58\">4,977 </span><span class=\"SFB3 SA7 S2\" id=\"to_58\">- </span><span class=\"SFB4 SA7 S2\" id=\"tp_58\">Other securities </span><span class=\"SEED SA7 S2\" id=\"tq_58\">82,583 </span><span class=\"SEEE SA7 S2\" id=\"tr_58\">36,353 </span><span class=\"SFB5 SB S2\" id=\"ts_58\">4,934,987 </span><span class=\"SFB6 SB S2\" id=\"tt_58\">3,900,448 </span><span class=\"SFB7 SA7 S2\" id=\"tu_58\">Loss allowance on securities at amortized cost </span><span class=\"SFB8 SA7 S2\" id=\"tv_58\">(43,049) </span><span class=\"SFB9 SA7 S2\" id=\"tw_58\">(9,113) </span><span class=\"SFBA SB S2\" id=\"tx_58\">Total </span><span class=\"SFBB SB S2\" id=\"ty_58\">4,891,938 </span><span class=\"SFBC SB S2\" id=\"tz_58\">3,891,335 </span><span class=\"SFBD SA7 S2\" id=\"t10_58\">Interest conditions and the remaining maturities of securities at amortized cost can be analysed as follows: </span><span class=\"SFBE SB S2\" id=\"t11_58\">2022 </span><span class=\"SFBF SB S2\" id=\"t12_58\">2021 </span><span class=\"SFC0 SA7 S2\" id=\"t13_58\">Within one year </span><span class=\"SFC1 SA7 S2\" id=\"t14_58\">With variable interest </span><span class=\"SFC2 SA7 S2\" id=\"t15_58\">159 </span><span class=\"SFC3 SA7 S2\" id=\"t16_58\">8,101 </span><span class=\"SFC4 SA7 S2\" id=\"t17_58\">With fixed interest </span><span class=\"SFC5 SA7 S2\" id=\"t18_58\">951,773 </span><span class=\"SFC6 SA7 S2\" id=\"t19_58\">480,296 </span><span class=\"SFC7 SB S2\" id=\"t1a_58\">951,932 </span><span class=\"SFC8 SB S2\" id=\"t1b_58\">488,397 </span><span class=\"SFC9 SA7 S2\" id=\"t1c_58\">Over one year </span><span class=\"SFCA SA7 S2\" id=\"t1d_58\">With variable interest </span><span class=\"SFCB SA7 S2\" id=\"t1e_58\">25,753 </span><span class=\"SFCC SA7 S2\" id=\"t1f_58\">5,122 </span><span class=\"SFCD SA7 S2\" id=\"t1g_58\">With fixed interest </span><span class=\"SFCE SA7 S2\" id=\"t1h_58\">3,957,302 </span><span class=\"SFCF SA7 S2\" id=\"t1i_58\">3,406,929 </span><span class=\"SFD0 SB S2\" id=\"t1j_58\">3,983,055 </span><span class=\"SFD1 SB S2\" id=\"t1k_58\">3,412,051 </span><span class=\"SFD2 SB S2\" id=\"t1l_58\">Total </span><span class=\"SFD3 SB S2\" id=\"t1m_58\">4,934,987 </span><span class=\"SFD4 SB S2\" id=\"t1n_58\">3,900,448 </span><span class=\"SFD5 SA7 S2\" id=\"t1o_58\">An analysis of securities at amortized cost by currency (%): </span><span class=\"SFD6 SB S2\" id=\"t1p_58\">2022 </span><span class=\"SFD7 SB S2\" id=\"t1q_58\">2021 </span><span class=\"SFD8 SA7 S2\" id=\"t1r_58\">Denominated in HUF </span><span class=\"SFD9 SA7 S2\" id=\"t1s_58\">63.50% </span><span class=\"SFDA SA7 S2\" id=\"t1t_58\">75.42% </span><span class=\"SFDB SA7 S2\" id=\"t1u_58\">Denominated in foreign currency </span><span class=\"SFDC SA7 S2\" id=\"t1v_58\">36.50% </span><span class=\"SFDD SA7 S2\" id=\"t1w_58\">24.58% </span><span class=\"SFDE SB S2\" id=\"t1x_58\">Total </span><span class=\"SFDF SB S2\" id=\"t1y_58\">100.00% </span><span class=\"SFE0 SB S2\" id=\"t1z_58\">100.00% </span><span class=\"SFE1 SA7 S2\" id=\"t20_58\">Interest conditions of securities at amortized cost (%): </span><span class=\"SFE2 SB S2\" id=\"t21_58\">2022 </span><span class=\"SFE3 SB S2\" id=\"t22_58\">2021 </span><span class=\"SFE4 SA7 S2\" id=\"t23_58\">Interest rates of securities at amortized cost </span><span class=\"SFE5 SA7 S2\" id=\"t24_58\">with variable interest </span><span class=\"SFE6 SA7 S2\" id=\"t25_58\">0.75% </span><span class=\"SFE7 SA7 S2\" id=\"t26_58\">- 17.74% </span><span class=\"SFE8 SA7 S2\" id=\"t27_58\">1.20% - 2.08% </span><span class=\"SFE9 SA7 S2\" id=\"t28_58\">Interest rates of securities at amortized cost </span><span class=\"SFEA SA7 S2\" id=\"t29_58\">with fixed interest </span><span class=\"SFEB SA7 S2\" id=\"t2a_58\">0.00% - 23.00% </span><span class=\"SFEC SA7 S2\" id=\"t2b_58\">0.00% - 9.00% </span><span class=\"SFED SB S2\" id=\"t2c_58\">2022 </span><span class=\"SFEE SB S2\" id=\"t2d_58\">2021 </span><span class=\"SFEF SA7 S2\" id=\"t2e_58\">Average interest rates on securities </span><span class=\"SFF0 SA7 S2\" id=\"t2f_58\">at amortized cost denominated in HUF (%) </span><span class=\"SFF1 SA7 S2\" id=\"t2g_58\">3.31% </span><span class=\"SFF2 SA7 S2\" id=\"t2h_58\">2.46% </span><span class=\"SFA4 SB S2\" id=\"t3_59\">NOTE 10: </span><span class=\"SFF3 SB S2\" id=\"t4_59\">SECURITIES AT AMORTIZED COST (in HUF mn) [continued] </span><span class=\"SFF4 SA7 S2\" id=\"t5_59\">An analysis of the change in the loss allowance on securities at amortized cost is as follows: </span><span class=\"SE8E SB S2\" id=\"t6_59\">2022 </span><span class=\"SE8F SB S2\" id=\"t7_59\">2021 </span><span class=\"SFF5 SB S2\" id=\"t8_59\">Balance as at 1 January </span><span class=\"SFF6 SB S2\" id=\"t9_59\">9,113 </span><span class=\"SFF7 SB S2\" id=\"ta_59\">5,657 </span><span class=\"SFF8 SA7 S2\" id=\"tb_59\">Opening change due to modification </span><span class=\"SFF9 SA7 S2\" id=\"tc_59\">- </span><span class=\"SFFA SA7 S2\" id=\"td_59\">1,281 </span><span class=\"SFFB SB S2\" id=\"te_59\">Balance as at 1 January after modification </span><span class=\"SFFC SB S2\" id=\"tf_59\">9,113 </span><span class=\"SFFD SB S2\" id=\"tg_59\">6,938 </span><span class=\"SFFE SA7 S2\" id=\"th_59\">Loss allowance for the period </span><span class=\"SFFF SA7 S2\" id=\"ti_59\">37,104 </span><span class=\"S1000 SA7 S2\" id=\"tj_59\">6,634 </span><span class=\"S1001 SA7 S2\" id=\"tk_59\">Release of loss allowance </span><span class=\"S1002 SA7 S2\" id=\"tl_59\">(5,603) </span><span class=\"S1003 SA7 S2\" id=\"tm_59\">(3,621) </span><span class=\"S1004 SA7 S2\" id=\"tn_59\">Use of loss allowance </span><span class=\"S1005 SA7 S2\" id=\"to_59\">- </span><span class=\"S1006 SA7 S2\" id=\"tp_59\">(992) </span><span class=\"S1007 SA7 S2\" id=\"tq_59\">Foreign currency translation difference </span><span class=\"S1008 SA7 S2\" id=\"tr_59\">2,435 </span><span class=\"S1009 SA7 S2\" id=\"ts_59\">154 </span><span class=\"S100A SB S2\" id=\"tt_59\">Closing balance </span><span class=\"S100B SB S2\" id=\"tu_59\">43,049 </span><span class=\"S100C SB S2\" id=\"tv_59\">9,113 </span><span class=\"SFA4 SB S2\" id=\"t3_60\">NOTE 11: </span><span class=\"S100D SB S2\" id=\"t4_60\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) </span><span class=\"S100E SB S2\" id=\"t5_60\">Loans at amortized cost </span><span class=\"SD71 SB S2\" id=\"t6_60\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_60\">2021 </span><span class=\"S100F SA7 S2\" id=\"t8_60\">Within one year </span><span class=\"S1010 SA7 S2\" id=\"t9_60\">In HUF </span><span class=\"S1011 SA7 S2\" id=\"ta_60\">1,422,663 </span><span class=\"S1012 SA7 S2\" id=\"tb_60\">1,243,635 </span><span class=\"S1013 SA7 S2\" id=\"tc_60\">In foreign currency </span><span class=\"S1014 SA7 S2\" id=\"td_60\">3,672,023 </span><span class=\"S1015 SA7 S2\" id=\"te_60\">2,901,682 </span><span class=\"S1016 SB S2\" id=\"tf_60\">5,094,686 </span><span class=\"S1017 SB S2\" id=\"tg_60\">4,145,317 </span><span class=\"S1018 SA7 S2\" id=\"th_60\">Over one year </span><span class=\"S1019 SA7 S2\" id=\"ti_60\">In HUF </span><span class=\"S101A SA7 S2\" id=\"tj_60\">2,425,793 </span><span class=\"S101B SA7 S2\" id=\"tk_60\">2,359,485 </span><span class=\"S101C SA7 S2\" id=\"tl_60\">In foreign currency </span><span class=\"S101D SA7 S2\" id=\"tm_60\">9,540,339 </span><span class=\"S101E SA7 S2\" id=\"tn_60\">7,840,375 </span><span class=\"S101F SB S2\" id=\"to_60\">11,966,132 </span><span class=\"S1020 SB S2\" id=\"tp_60\">10,199,860 </span><span class=\"S1021 SB S2\" id=\"tq_60\">17,060,818 </span><span class=\"S1022 SB S2\" id=\"tr_60\">14,345,177 </span><span class=\"S1023 SA7 S2\" id=\"ts_60\">Loss allowance on loans </span><span class=\"S1024 SA7 S2\" id=\"tt_60\">(966,360) </span><span class=\"S1025 SA7 S2\" id=\"tu_60\">(851,994) </span><span class=\"S1026 SB S2\" id=\"tv_60\">Total </span><span class=\"S1027 SB S2\" id=\"tw_60\">16,094,458 </span><span class=\"S1028 SB S2\" id=\"tx_60\">13,493,183 </span><span class=\"S1029 SA7 S2\" id=\"ty_60\">An analysis of the gross loan portfolio at amortized cost by currency (%): </span><span class=\"S102A SB S2\" id=\"tz_60\">2022 </span><span class=\"S102B SB S2\" id=\"t10_60\">2021 </span><span class=\"S102C SA7 S2\" id=\"t11_60\">In HUF </span><span class=\"S102D SA7 S2\" id=\"t12_60\">22.56% </span><span class=\"S102E SA7 S2\" id=\"t13_60\">25.12% </span><span class=\"S102F SA7 S2\" id=\"t14_60\">In foreign currency </span><span class=\"S1030 SA7 S2\" id=\"t15_60\">77.44% </span><span class=\"S1031 SA7 S2\" id=\"t16_60\">74.88% </span><span class=\"S1032 SB S2\" id=\"t17_60\">Total </span><span class=\"S1033 SB S2\" id=\"t18_60\">100.00% </span><span class=\"S1034 SB S2\" id=\"t19_60\">100.00% </span><span class=\"S1035 SA7 S2\" id=\"t1a_60\">Interest rates of the loan portfolio at amortized cost are as follows: </span><span class=\"S1036 SB S2\" id=\"t1b_60\">2022 </span><span class=\"S1037 SB S2\" id=\"t1c_60\">2021 </span><span class=\"S1038 SA7 S2\" id=\"t1d_60\">Loans at amortized cost denominated in HUF </span><span class=\"S1039 SE8B S2\" id=\"t1e_60\">1 </span><span class=\"S103A SA7 S2\" id=\"t1f_60\">0.00% - 43.70% </span><span class=\"S103B SA7 S2\" id=\"t1g_60\">0.00% - 52.00% </span><span class=\"S103C SA7 S2\" id=\"t1h_60\">Loans at amortized cost denominated in foreign currency </span><span class=\"S103D SE8B S2\" id=\"t1i_60\">2 </span><span class=\"S103E SA7 S2\" id=\"t1j_60\">(0.10)% - 90.00% </span><span class=\"S103F SA7 S2\" id=\"t1k_60\">(0.59)% - 90.00% </span><span class=\"S1040 S482 S2\" id=\"t1l_60\">1 </span><span class=\"S1041 S483 S2\" id=\"t1m_60\">The highest interest rate relates to HUF loan is overdraft loan, both in the current and in the previous years. </span><span class=\"S1042 S482 S2\" id=\"t1n_60\">2 </span><span class=\"S1043 S483 S2\" id=\"t1o_60\">The highest interest rate relates to loan in foreign currency regarding POS services in Russia both in the current and in the previous years. </span><span class=\"S1044 SB S2\" id=\"t1p_60\">2022 </span><span class=\"S1045 SB S2\" id=\"t1q_60\">2021 </span><span class=\"S1046 SA7 S2\" id=\"t1r_60\">Average interest rates on loans at amortized cost </span><span class=\"S1047 SA7 S2\" id=\"t1s_60\">denominated in HUF (%) </span><span class=\"S1048 SA7 S2\" id=\"t1t_60\">8.65% </span><span class=\"S1049 SA7 S2\" id=\"t1u_60\">6.23% </span><span class=\"S104A SA7 S2\" id=\"t1v_60\">Average interest rates on loans at amortized cost </span><span class=\"S104B SA7 S2\" id=\"t1w_60\">denominated in foreign currency (%) </span><span class=\"S104C SA7 S2\" id=\"t1x_60\">5.47% </span><span class=\"S104D SA7 S2\" id=\"t1y_60\">4.79% </span><span class=\"S104E SA7 S2\" id=\"t1z_60\">The amount of those loans which were written-off in the current year but they are still subject to enforcement </span><span class=\"S104F SA7 S2\" id=\"t20_60\">activity to be collected is still going on were HUF 117,357 million and HUF 104,940 million as at 31 December </span><span class=\"S1050 SA7 S2\" id=\"t21_60\">2022 and 2021, respectively. </span><span class=\"SFA4 SB S2\" id=\"t3_61\">NOTE 11: </span><span class=\"S1051 SB S2\" id=\"t4_61\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) [continued] </span><span class=\"S1052 SA7 S2\" id=\"t5_61\">An analysis of the change in the loss allowance on loans is as follows: </span><span class=\"S1053 SB S2\" id=\"t6_61\">2022 </span><span class=\"S1054 SB S2\" id=\"t7_61\">2021 </span><span class=\"S1055 SB S2\" id=\"t8_61\">Balance as at 1 January </span><span class=\"S1056 SB S2\" id=\"t9_61\">851,994 </span><span class=\"S1057 SB S2\" id=\"ta_61\">829,543 </span><span class=\"S1058 SA7 S2\" id=\"tb_61\">Opening change due to modification </span><span class=\"S1059 SA7 S2\" id=\"tc_61\">- </span><span class=\"S105A SA7 S2\" id=\"td_61\">(1,281) </span><span class=\"S105B SB S2\" id=\"te_61\">Balance as at 1 January after modification </span><span class=\"S105C SB S2\" id=\"tf_61\">851,994 </span><span class=\"S105D SB S2\" id=\"tg_61\">828,262 </span><span class=\"S105E SF33 S2\" id=\"th_61\">Loss allowance for the period </span><span class=\"S105F SF33 S2\" id=\"ti_61\">676,389 </span><span class=\"S1060 SF33 S2\" id=\"tj_61\">546,284 </span><span class=\"S1061 SF33 S2\" id=\"tk_61\">Release of loss allowance </span><span class=\"S1062 SF33 S2\" id=\"tl_61\">(469,929) </span><span class=\"S1063 SF33 S2\" id=\"tm_61\">(464,888) </span><span class=\"S1064 SA7 S2\" id=\"tn_61\">Loss allowance in the current period </span><span class=\"S1065 SA7 S2\" id=\"to_61\">206,460 </span><span class=\"S1066 SA7 S2\" id=\"tp_61\">81,396 </span><span class=\"S1067 SA7 S2\" id=\"tq_61\">from this: effect of change in parameters </span><span class=\"S1068 SA7 S2\" id=\"tr_61\">used for loss allowance calculation </span><span class=\"S1069 SA7 S2\" id=\"ts_61\">10,276 </span><span class=\"S106A SA7 S2\" id=\"tt_61\">(60,531) </span><span class=\"S106B SA7 S2\" id=\"tu_61\">Use of loss allowance </span><span class=\"S106C SA7 S2\" id=\"tv_61\">(92,004) </span><span class=\"S106D SA7 S2\" id=\"tw_61\">(66,784) </span><span class=\"S106E SA7 S2\" id=\"tx_61\">Partial write-off </span><span class=\"S106F SE8B S2\" id=\"ty_61\">1 </span><span class=\"S1070 SA7 S2\" id=\"tz_61\">(67,651) </span><span class=\"S1071 SA7 S2\" id=\"t10_61\">(17,936) </span><span class=\"S1072 SA7 S2\" id=\"t11_61\">Unwinding </span><span class=\"S1073 SA7 S2\" id=\"t12_61\">- </span><span class=\"S1074 SA7 S2\" id=\"t13_61\">345 </span><span class=\"S1075 SA7 S2\" id=\"t14_61\">Foreign currency translation difference </span><span class=\"S1076 SA7 S2\" id=\"t15_61\">67,561 </span><span class=\"S1077 SA7 S2\" id=\"t16_61\">26,711 </span><span class=\"S1078 SB S2\" id=\"t17_61\">Closing balance </span><span class=\"S1079 SB S2\" id=\"t18_61\">966,360 </span><span class=\"S107A SB S2\" id=\"t19_61\">851,994 </span><span class=\"S107B S482 S2\" id=\"t1a_61\">1 </span><span class=\"S107C S483 S2\" id=\"t1b_61\">See details in Note 2.11. </span><span class=\"S107D SA7 S2\" id=\"t1c_61\">Movement in loss allowance on loans and placements is summarized as below: </span><span class=\"S107E SB S2\" id=\"t1d_61\">2022 </span><span class=\"S107F SB S2\" id=\"t1e_61\">2021 </span><span class=\"S1080 SA7 S2\" id=\"t1f_61\">Loss allowance on placements and </span><span class=\"S1081 SA7 S2\" id=\"t1g_61\">gains from write-off and sale of placements </span><span class=\"S1082 SA7 S2\" id=\"t1h_61\">(39) </span><span class=\"S1083 SA7 S2\" id=\"t1i_61\">1,664 </span><span class=\"S1084 SA7 S2\" id=\"t1j_61\">Loss allowance on loans and gains from write-off </span><span class=\"S1085 SA7 S2\" id=\"t1k_61\">and sale of loans </span><span class=\"S1086 SA7 S2\" id=\"t1l_61\">114,163 </span><span class=\"S1087 SA7 S2\" id=\"t1m_61\">34,776 </span><span class=\"S1088 SB S2\" id=\"t1n_61\">Total </span><span class=\"S1089 S10A6 S2\" id=\"t1o_61\">2 </span><span class=\"S108A SB S2\" id=\"t1p_61\">114,124 </span><span class=\"S108B SB S2\" id=\"t1q_61\">36,440 </span><span class=\"S108C S482 S2\" id=\"t1r_61\">2 </span><span class=\"S108D S483 S2\" id=\"t1s_61\">See details in Note 31. </span><span class=\"S108E SB S2\" id=\"t1t_61\">Loans mandatorily at fair value through profit or loss </span><span class=\"S108F SB S2\" id=\"t1u_61\">2022 </span><span class=\"S1090 SB S2\" id=\"t1v_61\">2021 </span><span class=\"S1091 SA7 S2\" id=\"t1w_61\">Within one year </span><span class=\"S1092 SA7 S2\" id=\"t1x_61\">In HUF </span><span class=\"S1093 SA7 S2\" id=\"t1y_61\">70,883 </span><span class=\"S1094 SA7 S2\" id=\"t1z_61\">61,537 </span><span class=\"S1095 SA7 S2\" id=\"t20_61\">In foreign currency </span><span class=\"S1096 SA7 S2\" id=\"t21_61\">- </span><span class=\"S1097 SA7 S2\" id=\"t22_61\">- </span><span class=\"S1098 SB S2\" id=\"t23_61\">70,883 </span><span class=\"S1099 SB S2\" id=\"t24_61\">61,537 </span><span class=\"S109A SA7 S2\" id=\"t25_61\">Over one year </span><span class=\"S109B SA7 S2\" id=\"t26_61\">In HUF </span><span class=\"S109C SA7 S2\" id=\"t27_61\">1,176,531 </span><span class=\"S109D SA7 S2\" id=\"t28_61\">1,006,293 </span><span class=\"S109E SA7 S2\" id=\"t29_61\">In foreign currency </span><span class=\"S109F SA7 S2\" id=\"t2a_61\">- </span><span class=\"S10A0 SA7 S2\" id=\"t2b_61\">281 </span><span class=\"S10A1 SB S2\" id=\"t2c_61\">1,176,531 </span><span class=\"S10A2 SB S2\" id=\"t2d_61\">1,006,574 </span><span class=\"S10A3 SB S2\" id=\"t2e_61\">Total </span><span class=\"S10A4 SB S2\" id=\"t2f_61\">1,247,414 </span><span class=\"S10A5 SB S2\" id=\"t2g_61\">1,068,111 </span><span class=\"SFA4 SB S2\" id=\"t3_62\">NOTE 11: </span><span class=\"S10A7 SB S2\" id=\"t4_62\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) [continued] </span><span class=\"S10A8 SA7 S2\" id=\"t5_62\">An analysis of the loan portfolio mandatorily at fair value through profit or loss by currency (%): </span><span class=\"S10A9 SB S2\" id=\"t6_62\">2022 </span><span class=\"S10AA SB S2\" id=\"t7_62\">2021 </span><span class=\"S10AB SA7 S2\" id=\"t8_62\">In HUF </span><span class=\"S10AC SA7 S2\" id=\"t9_62\">100.00% </span><span class=\"S10AD SA7 S2\" id=\"ta_62\">99.17% </span><span class=\"S10AE SA7 S2\" id=\"tb_62\">In foreign currency </span><span class=\"S10AF SA7 S2\" id=\"tc_62\">0.00% </span><span class=\"S10B0 SA7 S2\" id=\"td_62\">0.83% </span><span class=\"S10B1 SB S2\" id=\"te_62\">Total </span><span class=\"S10B2 SB S2\" id=\"tf_62\">100.00% </span><span class=\"S10B3 SB S2\" id=\"tg_62\">100.00% </span><span class=\"S10B4 SA7 S2\" id=\"th_62\">Interest rates of the loan portfolio mandatorily at fair value through profit or loss are as follows (%): </span><span class=\"S10B5 SB S2\" id=\"ti_62\">2022 </span><span class=\"S10B6 SB S2\" id=\"tj_62\">2021 </span><span class=\"S10B7 SA7 S2\" id=\"tk_62\">Interest rates on loans denominated </span><span class=\"S10B8 SA7 S2\" id=\"tl_62\">in HUF </span><span class=\"S10B9 SA7 S2\" id=\"tm_62\">1.12% - 18.26% </span><span class=\"S10BA SA7 S2\" id=\"tn_62\">1.21% - 10.83% </span><span class=\"S10BB SA7 S2\" id=\"to_62\">Interest rates on loans denominated </span><span class=\"S10BC SA7 S2\" id=\"tp_62\">in foreign currency </span><span class=\"S10BD SA7 S2\" id=\"tq_62\">- </span><span class=\"S10BE SA7 S2\" id=\"tr_62\">4.00% - 4.00% </span><span class=\"SEA7 SB S2\" id=\"ts_62\">2022 </span><span class=\"SEA8 SB S2\" id=\"tt_62\">2021 </span><span class=\"S10BF SA7 S2\" id=\"tu_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C0 SA7 S2\" id=\"tv_62\">profit or loss denominated in HUF (%) </span><span class=\"S10C1 SA7 S2\" id=\"tw_62\">4.55% </span><span class=\"S10C2 SA7 S2\" id=\"tx_62\">4.17% </span><span class=\"S10C3 SA7 S2\" id=\"ty_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C4 SA7 S2\" id=\"tz_62\">profit or loss denominated in foreign currency (%) </span><span class=\"S10C5 SA7 S2\" id=\"t10_62\">0.04% </span><span class=\"S10C6 SA7 S2\" id=\"t11_62\">1.82% </span><span class=\"SFA4 SB S2\" id=\"t3_76\">NOTE 17: </span><span class=\"SD6F SB S2\" id=\"t4_76\">AMOUNTS DUE TO BANKS, THE NATIONAL GOVERNMENTS, DEPOSITS FROM </span><span class=\"S148D SB S2\" id=\"t5_76\">THE NATIONAL BANKS AND OTHER BANKS (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t6_76\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_76\">2021 </span><span class=\"SDFB SA7 S2\" id=\"t8_76\">Within one year </span><span class=\"SD74 SA7 S2\" id=\"t9_76\">In HUF </span><span class=\"S148E SA7 S2\" id=\"ta_76\">369,015 </span><span class=\"S148F SA7 S2\" id=\"tb_76\">277,397 </span><span class=\"SD77 SA7 S2\" id=\"tc_76\">In foreign currency </span><span class=\"SD78 SA7 S2\" id=\"td_76\">218,611 </span><span class=\"SD79 SA7 S2\" id=\"te_76\">225,398 </span><span class=\"SD7A SB S2\" id=\"tf_76\">587,626 </span><span class=\"SD7B SB S2\" id=\"tg_76\">502,795 </span><span class=\"SE01 SA7 S2\" id=\"th_76\">Over one year </span><span class=\"SE02 SA7 S2\" id=\"ti_76\">In HUF </span><span class=\"S1490 SA7 S2\" id=\"tj_76\">689,579 </span><span class=\"S1491 SA7 S2\" id=\"tk_76\">900,948 </span><span class=\"SE05 SA7 S2\" id=\"tl_76\">In foreign currency </span><span class=\"S1492 SA7 S2\" id=\"tm_76\">185,953 </span><span class=\"S1493 SA7 S2\" id=\"tn_76\">163,605 </span><span class=\"S1494 SB S2\" id=\"to_76\">875,532 </span><span class=\"S101E SB S2\" id=\"tp_76\">1,064,553 </span><span class=\"S1495 SB S2\" id=\"tq_76\">Total </span><span class=\"S1496 SB S2\" id=\"tr_76\">1,463,158 </span><span class=\"S1497 SB S2\" id=\"ts_76\">1,567,348 </span><span class=\"S1498 SA7 S2\" id=\"tt_76\">Interest rates on amounts due to banks, the National Governments, deposits from the National Banks and other </span><span class=\"S1499 SA7 S2\" id=\"tu_76\">banks are as follows: </span><span class=\"S149A SB S2\" id=\"tv_76\">2022 </span><span class=\"S149B SB S2\" id=\"tw_76\">2021 </span><span class=\"S149C SA7 S2\" id=\"tx_76\">Within one year </span><span class=\"S149D SA7 S2\" id=\"ty_76\">In HUF </span><span class=\"S149E SA7 S2\" id=\"tz_76\">(2.40)% - 18.00% </span><span class=\"S149F SA7 S2\" id=\"t10_76\">(2.04)% - 4.66% </span><span class=\"S14A0 SA7 S2\" id=\"t11_76\">In foreign currency </span><span class=\"S14A1 SE8B S2\" id=\"t12_76\">1 </span><span class=\"S14A2 SA7 S2\" id=\"t13_76\">(2.32)% - 12.00% </span><span class=\"S14A3 SA7 S2\" id=\"t14_76\">(2.40)% - 17.60% </span><span class=\"S14A4 SA7 S2\" id=\"t15_76\">Over one year </span><span class=\"S14A5 SA7 S2\" id=\"t16_76\">In HUF </span><span class=\"S14A6 SA7 S2\" id=\"t17_76\">(2.40)% - 9.23% </span><span class=\"S14A7 SA7 S2\" id=\"t18_76\">(2.40)% - 4.66% </span><span class=\"S14A8 SA7 S2\" id=\"t19_76\">In foreign currency </span><span class=\"S14A9 SE8B S2\" id=\"t1a_76\">1 </span><span class=\"S14AA SA7 S2\" id=\"t1b_76\">(2.40)% - 13.76% </span><span class=\"S14AB SA7 S2\" id=\"t1c_76\">(2.40)% - 12.00% </span><span class=\"S14AC S482 S2\" id=\"t1d_76\">1 </span><span class=\"S14AD S483 S2\" id=\"t1e_76\">The highest interest rates for due to banks denominated in foreign exchange relate to loans taken from EBRD and Green for Growth Fund in </span><span class=\"S14AE S483 S2\" id=\"t1f_76\">Ukraine. </span><span class=\"S14AF SB S2\" id=\"t1g_76\">2022 </span><span class=\"S14B0 SB S2\" id=\"t1h_76\">2021 </span><span class=\"S14B1 SA7 S2\" id=\"t1i_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B2 SA7 S2\" id=\"t1j_76\">the National Governments, deposits from the </span><span class=\"S14B3 SA7 S2\" id=\"t1k_76\">National Banks and other banks denominated in HUF </span><span class=\"S14B4 SA7 S2\" id=\"t1l_76\">2.28% </span><span class=\"S14B5 SA7 S2\" id=\"t1m_76\">1.20% </span><span class=\"S14B6 SA7 S2\" id=\"t1n_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B7 SA7 S2\" id=\"t1o_76\">the National Governments, deposits from the </span><span class=\"S14B8 SA7 S2\" id=\"t1p_76\">National Banks and other banks denominated in </span><span class=\"S14B9 SA7 S2\" id=\"t1q_76\">in foreign currency </span><span class=\"S14BA SA7 S2\" id=\"t1r_76\">2.40% </span><span class=\"S14BB SA7 S2\" id=\"t1s_76\">1.49% </span><span class=\"SFA4 SB S2\" id=\"t3_77\">NOTE 18: </span><span class=\"S14BC SB S2\" id=\"t4_77\">REPO LIABILITIES (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_77\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_77\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_77\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_77\">In HUF </span><span class=\"SE32 SA7 S2\" id=\"t9_77\">29,147 </span><span class=\"SE33 SA7 S2\" id=\"ta_77\">49,726 </span><span class=\"SDC0 SA7 S2\" id=\"tb_77\">In foreign currency </span><span class=\"SE35 SA7 S2\" id=\"tc_77\">197 </span><span class=\"S10CB SA7 S2\" id=\"td_77\">29,321 </span><span class=\"S10CC SB S2\" id=\"te_77\">29,344 </span><span class=\"S10CD SB S2\" id=\"tf_77\">79,047 </span><span class=\"SDC5 SA7 S2\" id=\"tg_77\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_77\">In HUF </span><span class=\"SE3E SA7 S2\" id=\"ti_77\">96 </span><span class=\"S14BD SA7 S2\" id=\"tj_77\">- </span><span class=\"SDC9 SA7 S2\" id=\"tk_77\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_77\">187,929 </span><span class=\"SFB3 SA7 S2\" id=\"tm_77\">- </span><span class=\"S14BF SB S2\" id=\"tn_77\">188,025 </span><span class=\"S14C0 SB S2\" id=\"to_77\">- </span><span class=\"S14C1 SB S2\" id=\"tp_77\">Total </span><span class=\"S14C2 SB S2\" id=\"tq_77\">217,369 </span><span class=\"S14C3 SB S2\" id=\"tr_77\">79,047 </span><span class=\"S14C4 SA7 S2\" id=\"ts_77\">Interest rates on repo liabilities are as follows: </span><span class=\"S14C5 SB S2\" id=\"tt_77\">2022 </span><span class=\"S14C6 SB S2\" id=\"tu_77\">2021 </span><span class=\"S14C7 SA7 S2\" id=\"tv_77\">Interest rates on repo liabilities </span><span class=\"S14C8 SA7 S2\" id=\"tw_77\">denominated in HUF </span><span class=\"S14C9 SA7 S2\" id=\"tx_77\">4.75% - 15.47% </span><span class=\"S14CA SA7 S2\" id=\"ty_77\">0.00% - 2.80% </span><span class=\"S14CB SA7 S2\" id=\"tz_77\">Interest rates on repo liabilities </span><span class=\"S14CC SA7 S2\" id=\"t10_77\">denominated in foreign currency </span><span class=\"S14CD SA7 S2\" id=\"t11_77\">2.47% - 5.20% </span><span class=\"S14CE SA7 S2\" id=\"t12_77\">(0.95)% - 0.00% </span><span class=\"SFA4 SB S2\" id=\"t3_78\">NOTE 19: </span><span class=\"S13FD SB S2\" id=\"t4_78\">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR </span><span class=\"S14CF SB S2\" id=\"t5_78\">LOSS (in HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_78\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_78\">2021 </span><span class=\"S14D2 SA7 S2\" id=\"t8_78\">Within one year </span><span class=\"S14D3 SA7 S2\" id=\"t9_78\">In HUF </span><span class=\"S14D4 SA7 S2\" id=\"ta_78\">1,716 </span><span class=\"S14D5 SA7 S2\" id=\"tb_78\">1,784 </span><span class=\"S14D6 SA7 S2\" id=\"tc_78\">In foreign currency </span><span class=\"S14D7 SA7 S2\" id=\"td_78\">- </span><span class=\"S14D8 SA7 S2\" id=\"te_78\">- </span><span class=\"S14D9 SB S2\" id=\"tf_78\">1,716 </span><span class=\"S14DA SB S2\" id=\"tg_78\">1,784 </span><span class=\"S14DB SA7 S2\" id=\"th_78\">Over one year </span><span class=\"S14DC SA7 S2\" id=\"ti_78\">In HUF </span><span class=\"S14DD SA7 S2\" id=\"tj_78\">52,475 </span><span class=\"S14DE SA7 S2\" id=\"tk_78\">39,400 </span><span class=\"S14DF SA7 S2\" id=\"tl_78\">In foreign currency </span><span class=\"S14E0 SA7 S2\" id=\"tm_78\">- </span><span class=\"S14E1 SA7 S2\" id=\"tn_78\">- </span><span class=\"S14E2 SB S2\" id=\"to_78\">52,475 </span><span class=\"S14E3 SB S2\" id=\"tp_78\">39,400 </span><span class=\"S14E4 SB S2\" id=\"tq_78\">Total </span><span class=\"S14E5 SB S2\" id=\"tr_78\">54,191 </span><span class=\"S14E6 SB S2\" id=\"ts_78\">41,184 </span><span class=\"S14E7 SA7 S2\" id=\"tt_78\">Contractual amount outstanding </span><span class=\"S14E8 SA7 S2\" id=\"tu_78\">19,853 </span><span class=\"S14E9 SA7 S2\" id=\"tv_78\">21,479 </span><span class=\"S14EA SA7 S2\" id=\"tw_78\">Result from associated entity's measured </span><span class=\"S14EB SA7 S2\" id=\"tx_78\">at fair value attributable to the Group </span><span class=\"S14EC SA7 S2\" id=\"ty_78\">37,616 </span><span class=\"S14ED SA7 S2\" id=\"tz_78\">21,051 </span><span class=\"S14EE SA7 S2\" id=\"t10_78\">Interest conditions of financial liabilities designated at fair value through profit or loss can be analysed as follows: </span><span class=\"S14EF SB S2\" id=\"t11_78\">2022 </span><span class=\"S14F0 SB S2\" id=\"t12_78\">2021 </span><span class=\"S14F1 SA7 S2\" id=\"t13_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F2 SA7 S2\" id=\"t14_78\">fair value denominated in HUF within one year </span><span class=\"S14F3 SA7 S2\" id=\"t15_78\">2.19% - 3.96% </span><span class=\"S14F4 SA7 S2\" id=\"t16_78\">0.46% - 2.46% </span><span class=\"S14F5 SA7 S2\" id=\"t17_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F6 SA7 S2\" id=\"t18_78\">fair value denominated in HUF over one year </span><span class=\"S14F7 SA7 S2\" id=\"t19_78\">0.01% - 4.63% </span><span class=\"S14F8 SA7 S2\" id=\"t1a_78\">0.01% - 2.90% </span><span class=\"S14F9 S5B9 S2\" id=\"t1b_78\">Certain MFB (\u201cHungarian Development Bank\u201d) refinanced loan receivables are categorised as fair value through </span><span class=\"S14FA SA7 S2\" id=\"t1c_78\">profit or loss based on SPPI test. Related refinancing loans at the liability side are categorised as fair value through </span><span class=\"S14FB SA7 S2\" id=\"t1d_78\">profit or loss based on fair value option due to accounting mismatch as provided by the IFRS 9 standard. </span><span class=\"SC5A SA7 S2\" id=\"t1e_78\">The Group controls capital funds where it does not hold the 100% of the owner rights. The related non-controlling </span><span class=\"S14FC SA7 S2\" id=\"t1f_78\">interest is treated as financial liability designated at fair value through profit or loss as it is not considered equity </span><span class=\"S14FD SA7 S2\" id=\"t1g_78\">under IAS 32. </span><span class=\"SFA4 SB S2\" id=\"t3_79\">NOTE 20: </span><span class=\"S13FD SB S2\" id=\"t4_79\">DEPOSITS FROM CUSTOMERS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_79\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_79\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_79\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_79\">In HUF </span><span class=\"SFA7 SA7 S2\" id=\"t9_79\">7,910,448 </span><span class=\"SFA8 SA7 S2\" id=\"ta_79\">7,829,595 </span><span class=\"SDC0 SA7 S2\" id=\"tb_79\">In foreign currency </span><span class=\"S14FE SA7 S2\" id=\"tc_79\">16,757,984 </span><span class=\"S14FF SA7 S2\" id=\"td_79\">12,758,360 </span><span class=\"S1500 SB S2\" id=\"te_79\">24,668,432 </span><span class=\"S1501 SB S2\" id=\"tf_79\">20,587,955 </span><span class=\"SDC5 SA7 S2\" id=\"tg_79\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_79\">In HUF </span><span class=\"S1502 SA7 S2\" id=\"ti_79\">274,217 </span><span class=\"SDC8 SA7 S2\" id=\"tj_79\">293,606 </span><span class=\"SDC9 SA7 S2\" id=\"tk_79\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_79\">246,156 </span><span class=\"S1503 SA7 S2\" id=\"tm_79\">187,083 </span><span class=\"S14BF SB S2\" id=\"tn_79\">520,373 </span><span class=\"SDCD SB S2\" id=\"to_79\">480,689 </span><span class=\"S14C1 SB S2\" id=\"tp_79\">Total </span><span class=\"S1504 SB S2\" id=\"tq_79\">25,188,805 </span><span class=\"S1505 SB S2\" id=\"tr_79\">21,068,644 </span><span class=\"S1506 SA7 S2\" id=\"ts_79\">Interest rates on deposits from customers are as follows: </span><span class=\"S1507 SB S2\" id=\"tt_79\">2022 </span><span class=\"S1508 SB S2\" id=\"tu_79\">2021 </span><span class=\"S1509 SA7 S2\" id=\"tv_79\">Within one year </span><span class=\"S150A SA7 S2\" id=\"tw_79\">In HUF </span><span class=\"S150B SA7 S2\" id=\"tx_79\">0.00% - 17.95% </span><span class=\"S150C SA7 S2\" id=\"ty_79\">(2.48)% - 7.96% </span><span class=\"S150D SA7 S2\" id=\"tz_79\">In foreign currency </span><span class=\"S150E SE8B S2\" id=\"t10_79\">1 </span><span class=\"S150F SA7 S2\" id=\"t11_79\">(0.40)% - 45.10% </span><span class=\"S1510 SA7 S2\" id=\"t12_79\">(1.01)% - 17.20% </span><span class=\"S1511 SA7 S2\" id=\"t13_79\">Over one year </span><span class=\"S1512 SA7 S2\" id=\"t14_79\">In HUF </span><span class=\"S1513 SA7 S2\" id=\"t15_79\">0.00%- 13.00% </span><span class=\"S1514 SA7 S2\" id=\"t16_79\">0.01% - 3.00% </span><span class=\"SFC4 SA7 S2\" id=\"t17_79\">In foreign currency </span><span class=\"S1515 SA7 S2\" id=\"t18_79\">0.00% - 18.00% </span><span class=\"S1516 SA7 S2\" id=\"t19_79\">0.00% - 8.90% </span><span class=\"S1517 S482 S2\" id=\"t1a_79\">1 </span><span class=\"S1518 S483 S2\" id=\"t1b_79\">The highest interest rate regarding within-one-year deposits in foreign currency for the current and previous year relate to treasury deposit in </span><span class=\"S1519 S483 S2\" id=\"t1c_79\">Turkish lira in Hungary. </span><span class=\"S151A SB S2\" id=\"t1d_79\">2022 </span><span class=\"S151B SB S2\" id=\"t1e_79\">2021 </span><span class=\"S151C SA7 S2\" id=\"t1f_79\">Average interest rates on deposits from customers </span><span class=\"S151D SA7 S2\" id=\"t1g_79\">denominated in HUF </span><span class=\"S151E SA7 S2\" id=\"t1h_79\">2.21% </span><span class=\"S151F SA7 S2\" id=\"t1i_79\">0.18% </span><span class=\"S1520 SA7 S2\" id=\"t1j_79\">Average interest rates on deposits from customers </span><span class=\"S1521 SA7 S2\" id=\"t1k_79\">denominated in foreign currency </span><span class=\"S1522 SA7 S2\" id=\"t1l_79\">0.68% </span><span class=\"S1523 SA7 S2\" id=\"t1m_79\">0.34% </span><span class=\"S1524 SA7 S2\" id=\"t1n_79\">An analysis of deposits from customers by type is as follows: </span><span class=\"S1525 SB S2\" id=\"t1o_79\">2022 </span><span class=\"S1526 SB S2\" id=\"t1p_79\">2021 </span><span class=\"S1527 SA7 S2\" id=\"t1q_79\">Retail deposits </span><span class=\"S1528 SA7 S2\" id=\"t1r_79\">13,739,669 </span><span class=\"S1529 SA7 S2\" id=\"t1s_79\">54.55% </span><span class=\"S152A SA7 S2\" id=\"t1t_79\">11,982,784 </span><span class=\"S152B SA7 S2\" id=\"t1u_79\">56.88% </span><span class=\"S152C SA7 S2\" id=\"t1v_79\">Corporate deposits </span><span class=\"S152D SA7 S2\" id=\"t1w_79\">10,408,982 </span><span class=\"S152E SA7 S2\" id=\"t1x_79\">41.32% </span><span class=\"S152F SA7 S2\" id=\"t1y_79\">8,093,206 </span><span class=\"S1530 SA7 S2\" id=\"t1z_79\">38.41% </span><span class=\"S1531 SA7 S2\" id=\"t20_79\">Municipality deposits </span><span class=\"S1532 SA7 S2\" id=\"t21_79\">1,040,154 </span><span class=\"S1533 SA7 S2\" id=\"t22_79\">4.13% </span><span class=\"S1534 SA7 S2\" id=\"t23_79\">992,654 </span><span class=\"S1535 SA7 S2\" id=\"t24_79\">4.71% </span><span class=\"S1536 SB S2\" id=\"t25_79\">Total </span><span class=\"S1537 SB S2\" id=\"t26_79\">25,188,805 </span><span class=\"S1538 SB S2\" id=\"t27_79\">100.00% </span><span class=\"S1539 SB S2\" id=\"t28_79\">21,068,644 </span><span class=\"S153A SB S2\" id=\"t29_79\">100.00% </span><span class=\"SFA4 SB S2\" id=\"t3_80\">NOTE 21: </span><span class=\"S153B SB S2\" id=\"t4_80\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_80\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_80\">2021 </span><span class=\"S153C SA7 S2\" id=\"t7_80\">With original maturity </span><span class=\"S153D SA7 S2\" id=\"t8_80\">Within one year </span><span class=\"S153E SA7 S2\" id=\"t9_80\">In HUF </span><span class=\"S10CA SA7 S2\" id=\"ta_80\">48,755 </span><span class=\"SE36 SA7 S2\" id=\"tb_80\">9,332 </span><span class=\"S153F SA7 S2\" id=\"tc_80\">In foreign currency </span><span class=\"S1540 SA7 S2\" id=\"td_80\">6,427 </span><span class=\"S1541 SA7 S2\" id=\"te_80\">13 </span><span class=\"SE3B SB S2\" id=\"tf_80\">55,182 </span><span class=\"S1542 SB S2\" id=\"tg_80\">9,345 </span><span class=\"S1543 SA7 S2\" id=\"th_80\">Over one year </span><span class=\"S1544 SA7 S2\" id=\"ti_80\">In HUF </span><span class=\"S14BF SA7 S2\" id=\"tj_80\">373,645 </span><span class=\"SDCD SA7 S2\" id=\"tk_80\">426,929 </span><span class=\"S1545 SA7 S2\" id=\"tl_80\">In foreign currency </span><span class=\"SE45 SA7 S2\" id=\"tm_80\">441,855 </span><span class=\"S1546 SA7 S2\" id=\"tn_80\">51 </span><span class=\"S14C2 SB S2\" id=\"to_80\">815,500 </span><span class=\"S1547 SB S2\" id=\"tp_80\">426,980 </span><span class=\"SDD1 SB S2\" id=\"tq_80\">Total </span><span class=\"S1548 SB S2\" id=\"tr_80\">870,682 </span><span class=\"S1549 SB S2\" id=\"ts_80\">436,325 </span><span class=\"S154A SA7 S2\" id=\"tt_80\">Interest rates on liabilities from issued securities are as follows: </span><span class=\"S154B SB S2\" id=\"tu_80\">2022 </span><span class=\"S154C SB S2\" id=\"tv_80\">2021 </span><span class=\"S154D SA7 S2\" id=\"tw_80\">Issued securities denominated in HUF </span><span class=\"S154E SA7 S2\" id=\"tx_80\">0.60% - 15.00% </span><span class=\"S154F SA7 S2\" id=\"ty_80\">0.60% - 4.26% </span><span class=\"SD91 SA7 S2\" id=\"tz_80\">Issued securities denominated in foreign currency </span><span class=\"S1550 SA7 S2\" id=\"t10_80\">0.74% - 7.35% </span><span class=\"S1514 SA7 S2\" id=\"t11_80\">0.74% - 5.00% </span><span class=\"S1551 SB S2\" id=\"t12_80\">2022 </span><span class=\"S1552 SB S2\" id=\"t13_80\">2021 </span><span class=\"S1553 SA7 S2\" id=\"t14_80\">Average interest rates on issued securities </span><span class=\"S1554 SA7 S2\" id=\"t15_80\">denominated in HUF </span><span class=\"S1555 SA7 S2\" id=\"t16_80\">5.00% </span><span class=\"S1556 SA7 S2\" id=\"t17_80\">2.20% </span><span class=\"S1557 SA7 S2\" id=\"t18_80\">Average interest rates on issued securities </span><span class=\"S1558 SA7 S2\" id=\"t19_80\">denominated in foreign currency </span><span class=\"S1559 SA7 S2\" id=\"t1a_80\">2.95% </span><span class=\"S155A SA7 S2\" id=\"t1b_80\">0.25% </span><span class=\"S6D0 SB S2\" id=\"t1c_80\">Issued securities denominated in HUF as at 31 December 2022 (in HUF mn) </span><span class=\"S155B SC43 S2\" id=\"t1d_80\">Name </span><span class=\"S155C SC43 S2\" id=\"t1e_80\">Date of issue </span><span class=\"S155D SC43 S2\" id=\"t1f_80\">Maturity </span><span class=\"S155E SC43 S2\" id=\"t1g_80\">Nominal </span><span class=\"S155F SC43 S2\" id=\"t1h_80\">value </span><span class=\"S1560 SC43 S2\" id=\"t1i_80\">Amortized </span><span class=\"S1561 SC43 S2\" id=\"t1j_80\">cost </span><span class=\"S1562 SC43 S2\" id=\"t1k_80\">Interest conditions </span><span class=\"S1563 SC43 S2\" id=\"t1l_80\">Hedged </span><span class=\"S1564 SC43 S2\" id=\"t1m_80\">(in HUF mn) </span><span class=\"S1565 SC43 S2\" id=\"t1n_80\">(in HUF mn) </span><span class=\"S1566 SC43 S2\" id=\"t1o_80\">(actual interest </span><span class=\"S1567 SC43 S2\" id=\"t1p_80\">rate in % p.a.) </span><span class=\"S1568 S483 S2\" id=\"t1q_80\">1 </span><span class=\"S1569 S483 S2\" id=\"t1r_80\">OTPX2023A </span><span class=\"S156A S483 S2\" id=\"t1s_80\">22/03/2013 </span><span class=\"S156B S483 S2\" id=\"t1t_80\">24/03/2023 </span><span class=\"S156C S483 S2\" id=\"t1u_80\">312 </span><span class=\"S156D S483 S2\" id=\"t1v_80\">410 </span><span class=\"S156E S483 S2\" id=\"t1w_80\">indexed </span><span class=\"S156F S483 S2\" id=\"t1x_80\">1.70 </span><span class=\"S1570 S483 S2\" id=\"t1y_80\">hedged </span><span class=\"S1571 S483 S2\" id=\"t1z_80\">2 </span><span class=\"S1572 S483 S2\" id=\"t20_80\">OTPX2023B </span><span class=\"S1573 S483 S2\" id=\"t21_80\">28/06/2013 </span><span class=\"S1574 S483 S2\" id=\"t22_80\">26/06/2023 </span><span class=\"S1575 S483 S2\" id=\"t23_80\">198 </span><span class=\"S1576 S483 S2\" id=\"t24_80\">260 </span><span class=\"S1577 S483 S2\" id=\"t25_80\">indexed </span><span class=\"S1578 S483 S2\" id=\"t26_80\">0.60 </span><span class=\"S1579 S483 S2\" id=\"t27_80\">hedged </span><span class=\"S157A S483 S2\" id=\"t28_80\">3 </span><span class=\"S157B S483 S2\" id=\"t29_80\">OTPX2024A </span><span class=\"S157C S483 S2\" id=\"t2a_80\">18/06/2014 </span><span class=\"S157D S483 S2\" id=\"t2b_80\">21/06/2024 </span><span class=\"S157E S483 S2\" id=\"t2c_80\">241 </span><span class=\"S157F S483 S2\" id=\"t2d_80\">310 </span><span class=\"S1580 S483 S2\" id=\"t2e_80\">indexed </span><span class=\"S1581 S483 S2\" id=\"t2f_80\">1.30 </span><span class=\"S1582 S483 S2\" id=\"t2g_80\">hedged </span><span class=\"S1583 S483 S2\" id=\"t2h_80\">4 </span><span class=\"S1584 S483 S2\" id=\"t2i_80\">OTPX2024B </span><span class=\"S1585 S483 S2\" id=\"t2j_80\">10/10/2014 </span><span class=\"S1586 S483 S2\" id=\"t2k_80\">16/10/2024 </span><span class=\"S1587 S483 S2\" id=\"t2l_80\">295 </span><span class=\"S1588 S483 S2\" id=\"t2m_80\">378 </span><span class=\"S1589 S483 S2\" id=\"t2n_80\">indexed </span><span class=\"S158A S483 S2\" id=\"t2o_80\">0.70 </span><span class=\"S158B S483 S2\" id=\"t2p_80\">hedged </span><span class=\"S158C S483 S2\" id=\"t2q_80\">5 </span><span class=\"S158D S483 S2\" id=\"t2r_80\">OTPX2024C </span><span class=\"S158E S483 S2\" id=\"t2s_80\">15/12/2014 </span><span class=\"S158F S483 S2\" id=\"t2t_80\">20/12/2024 </span><span class=\"S1590 S483 S2\" id=\"t2u_80\">242 </span><span class=\"S1591 S483 S2\" id=\"t2v_80\">309 </span><span class=\"S1592 S483 S2\" id=\"t2w_80\">indexed </span><span class=\"S1593 S483 S2\" id=\"t2x_80\">0.60 </span><span class=\"S1594 S483 S2\" id=\"t2y_80\">hedged </span><span class=\"S1595 S483 S2\" id=\"t2z_80\">6 </span><span class=\"S1596 S483 S2\" id=\"t30_80\">OTP_HUF_25/1 </span><span class=\"S1597 S483 S2\" id=\"t31_80\">18/11/2022 </span><span class=\"S1598 S483 S2\" id=\"t32_80\">18/11/2025 </span><span class=\"S1599 S483 S2\" id=\"t33_80\">25,562 </span><span class=\"S159A S483 S2\" id=\"t34_80\">26,046 </span><span class=\"S159B S483 S2\" id=\"t35_80\">fix </span><span class=\"S159C S483 S2\" id=\"t36_80\">15.00 </span><span class=\"S159D S483 S2\" id=\"t37_80\">7 </span><span class=\"S159E S483 S2\" id=\"t38_80\">OTP_HUF_26/1 </span><span class=\"S159F S483 S2\" id=\"t39_80\">22/12/2022 </span><span class=\"S15A0 S483 S2\" id=\"t3a_80\">05/01/2026 </span><span class=\"S15A1 S483 S2\" id=\"t3b_80\">10,229 </span><span class=\"S15A2 S483 S2\" id=\"t3c_80\">10,270 </span><span class=\"S15A3 S483 S2\" id=\"t3d_80\">fix </span><span class=\"S15A4 S483 S2\" id=\"t3e_80\">12.00 </span><span class=\"S15A5 S483 S2\" id=\"t3f_80\">8 </span><span class=\"S15A6 S483 S2\" id=\"t3g_80\">OTPRF2023A </span><span class=\"S15A7 S483 S2\" id=\"t3h_80\">22/03/2013 </span><span class=\"S15A8 S483 S2\" id=\"t3i_80\">24/03/2023 </span><span class=\"S15A9 S483 S2\" id=\"t3j_80\">1,010 </span><span class=\"S15AA S483 S2\" id=\"t3k_80\">1,215 </span><span class=\"S15AB S483 S2\" id=\"t3l_80\">indexed </span><span class=\"S15AC S483 S2\" id=\"t3m_80\">1.70 </span><span class=\"S15AD S483 S2\" id=\"t3n_80\">hedged </span><span class=\"S15AE SC43 S2\" id=\"t3o_80\">Subtotal </span><span class=\"S15AF SC43 S2\" id=\"t3p_80\">38,089 </span><span class=\"S15B0 SC43 S2\" id=\"t3q_80\">39,198 </span><span class=\"SFA4 SB S2\" id=\"t3_81\">NOTE 21: </span><span class=\"S13E0 SB S2\" id=\"t4_81\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"S15B1 SB S2\" id=\"t5_81\">Issued securities denominated in HUF as at 31 December 2022 (in HUF mn) [continued] </span><span class=\"S15B2 SC43 S2\" id=\"t6_81\">Name </span><span class=\"S15B3 SC43 S2\" id=\"t7_81\">Date of issue </span><span class=\"S15B4 SC43 S2\" id=\"t8_81\">Maturity </span><span class=\"S15B5 SC43 S2\" id=\"t9_81\">Nominal </span><span class=\"S15B6 SC43 S2\" id=\"ta_81\">value </span><span class=\"S15B7 SC43 S2\" id=\"tb_81\">Amortized </span><span class=\"S15B8 SC43 S2\" id=\"tc_81\">cost </span><span class=\"S15B9 SC43 S2\" id=\"td_81\">Interest conditions </span><span class=\"S15BA SC43 S2\" id=\"te_81\">Hedged </span><span class=\"S15BB SC43 S2\" id=\"tf_81\">(in HUF mn) </span><span class=\"S15BC SC43 S2\" id=\"tg_81\">(in HUF mn) </span><span class=\"S15BD SC43 S2\" id=\"th_81\">(actual interest </span><span class=\"S15BE SC43 S2\" id=\"ti_81\">rate in % p.a.) </span><span class=\"S15BF S483 S2\" id=\"tj_81\">9 </span><span class=\"S15C0 S483 S2\" id=\"tk_81\">OJB2023_I </span><span class=\"S15C1 S483 S2\" id=\"tl_81\">05/04/2018 </span><span class=\"S15C2 S483 S2\" id=\"tm_81\">24/11/2023 </span><span class=\"S15C3 S483 S2\" id=\"tn_81\">44,120 </span><span class=\"S15C4 S483 S2\" id=\"to_81\">39,968 </span><span class=\"S15C5 S483 S2\" id=\"tp_81\">fix </span><span class=\"S15C6 S483 S2\" id=\"tq_81\">1.75 </span><span class=\"S15C7 S483 S2\" id=\"tr_81\">hedged </span><span class=\"S15C8 S483 S2\" id=\"ts_81\">10 </span><span class=\"S15C9 S483 S2\" id=\"tt_81\">OJB2024_A </span><span class=\"S15CA S483 S2\" id=\"tu_81\">17/09/2018 </span><span class=\"S15CB S483 S2\" id=\"tv_81\">20/05/2024 </span><span class=\"S15CC S483 S2\" id=\"tw_81\">53,732 </span><span class=\"S15CD S483 S2\" id=\"tx_81\">53,933 </span><span class=\"S15CE S483 S2\" id=\"ty_81\">floating </span><span class=\"S15CF S483 S2\" id=\"tz_81\">17.36 </span><span class=\"S15D0 S483 S2\" id=\"t10_81\">11 </span><span class=\"S15D1 S483 S2\" id=\"t11_81\">OJB2024_II </span><span class=\"S15D2 S483 S2\" id=\"t12_81\">10/10/2018 </span><span class=\"S15D3 S483 S2\" id=\"t13_81\">24/10/2024 </span><span class=\"S15D4 S483 S2\" id=\"t14_81\">96,800 </span><span class=\"S15D5 S483 S2\" id=\"t15_81\">79,228 </span><span class=\"S15D6 S483 S2\" id=\"t16_81\">fix </span><span class=\"S15D7 S483 S2\" id=\"t17_81\">2.50 </span><span class=\"S15D8 S483 S2\" id=\"t18_81\">hedged </span><span class=\"S15D9 S483 S2\" id=\"t19_81\">12 </span><span class=\"S15DA S483 S2\" id=\"t1a_81\">OJB2025_II </span><span class=\"S15DB S483 S2\" id=\"t1b_81\">03/02/2020 </span><span class=\"S15DC S483 S2\" id=\"t1c_81\">26/11/2025 </span><span class=\"S15DD S483 S2\" id=\"t1d_81\">22,550 </span><span class=\"S15DE S483 S2\" id=\"t1e_81\">16,193 </span><span class=\"S15DF S483 S2\" id=\"t1f_81\">fix </span><span class=\"S15E0 S483 S2\" id=\"t1g_81\">1.50 </span><span class=\"S15E1 S483 S2\" id=\"t1h_81\">hedged </span><span class=\"S15E2 S483 S2\" id=\"t1i_81\">13 </span><span class=\"S15E3 S483 S2\" id=\"t1j_81\">OJB2027_I </span><span class=\"S15E4 S483 S2\" id=\"t1k_81\">23/07/2020 </span><span class=\"S15E5 S483 S2\" id=\"t1l_81\">27/10/2027 </span><span class=\"S15E6 S483 S2\" id=\"t1m_81\">76,850 </span><span class=\"S15E7 S483 S2\" id=\"t1n_81\">52,608 </span><span class=\"S15E8 S483 S2\" id=\"t1o_81\">fix </span><span class=\"S15E9 S483 S2\" id=\"t1p_81\">1.25 </span><span class=\"S15EA S483 S2\" id=\"t1q_81\">hedged </span><span class=\"S15EB S483 S2\" id=\"t1r_81\">14 </span><span class=\"S15EC S483 S2\" id=\"t1s_81\">OJB2029_A </span><span class=\"S15ED S483 S2\" id=\"t1t_81\">25/07/2022 </span><span class=\"S15EE S483 S2\" id=\"t1u_81\">24/05/2029 </span><span class=\"S15EF S483 S2\" id=\"t1v_81\">91,510 </span><span class=\"S15F0 S483 S2\" id=\"t1w_81\">91,488 </span><span class=\"S15F1 S483 S2\" id=\"t1x_81\">floating </span><span class=\"S15F2 S483 S2\" id=\"t1y_81\">17.13 </span><span class=\"S15F3 S483 S2\" id=\"t1z_81\">15 </span><span class=\"S15F4 S483 S2\" id=\"t20_81\">OJB2031_I </span><span class=\"S15F5 S483 S2\" id=\"t21_81\">18/08/2021 </span><span class=\"S15F6 S483 S2\" id=\"t22_81\">22/10/2031 </span><span class=\"S15F7 S483 S2\" id=\"t23_81\">82,000 </span><span class=\"S15F8 S483 S2\" id=\"t24_81\">49,515 </span><span class=\"S15F9 S483 S2\" id=\"t25_81\">fix </span><span class=\"S15FA S483 S2\" id=\"t26_81\">2.50 </span><span class=\"S15FB S483 S2\" id=\"t27_81\">hedged </span><span class=\"S15FC S483 S2\" id=\"t28_81\">16 </span><span class=\"S15FD S483 S2\" id=\"t29_81\">Other </span><span class=\"S15FE S483 S2\" id=\"t2a_81\">269 </span><span class=\"S15FF S483 S2\" id=\"t2b_81\">269 </span><span class=\"S1600 SC43 S2\" id=\"t2c_81\">Total issued securities in HUF </span><span class=\"S1601 SC43 S2\" id=\"t2d_81\">505,920 </span><span class=\"S1602 SC43 S2\" id=\"t2e_81\">422,400 </span><span class=\"S1603 SB S2\" id=\"t2f_81\">Issued securities denominated in foreign currency as at 31 December 2022 </span><span class=\"S1604 SC43 S2\" id=\"t2g_81\">Name </span><span class=\"S1605 SC43 S2\" id=\"t2h_81\">Date of issue </span><span class=\"S1606 SC43 S2\" id=\"t2i_81\">Maturity </span><span class=\"S1607 SC43 S2\" id=\"t2j_81\">Type of </span><span class=\"S1608 SC43 S2\" id=\"t2k_81\">FX </span><span class=\"S1609 SC43 S2\" id=\"t2l_81\">Nominal value </span><span class=\"S160A SC43 S2\" id=\"t2m_81\">Amortized cost </span><span class=\"S160B SC43 S2\" id=\"t2n_81\">Interest conditions </span><span class=\"S160C SC43 S2\" id=\"t2o_81\">(FX mn) </span><span class=\"S160D SC43 S2\" id=\"t2p_81\">(FX mn) </span><span class=\"S160E SC43 S2\" id=\"t2q_81\">(actual interest rate in </span><span class=\"S160F SC43 S2\" id=\"t2r_81\">% p.a.) </span><span class=\"S1610 S483 S2\" id=\"t2s_81\">1 </span><span class=\"S1611 S483 S2\" id=\"t2t_81\">XS2560693181 </span><span class=\"S1612 S483 S2\" id=\"t2u_81\">01/12/2022 </span><span class=\"S1613 S483 S2\" id=\"t2v_81\">04/03/2026 </span><span class=\"S1614 S483 S2\" id=\"t2w_81\">EUR </span><span class=\"S1615 S483 S2\" id=\"t2x_81\">650 </span><span class=\"S1616 S483 S2\" id=\"t2y_81\">260,136 </span><span class=\"S1617 S483 S2\" id=\"t2z_81\">653 </span><span class=\"S1618 S483 S2\" id=\"t30_81\">261,341 </span><span class=\"S1619 S483 S2\" id=\"t31_81\">fix </span><span class=\"S161A S483 S2\" id=\"t32_81\">7.35 </span><span class=\"S161B S483 S2\" id=\"t33_81\">2 </span><span class=\"S161C S483 S2\" id=\"t34_81\">XS2499691330 </span><span class=\"S161D S483 S2\" id=\"t35_81\">13/07/2022 </span><span class=\"S161E S483 S2\" id=\"t36_81\">13/07/2025 </span><span class=\"S161F S483 S2\" id=\"t37_81\">EUR </span><span class=\"S1620 S483 S2\" id=\"t38_81\">399 </span><span class=\"S1621 S483 S2\" id=\"t39_81\">159,859 </span><span class=\"S1622 S483 S2\" id=\"t3a_81\">409 </span><span class=\"S1623 S483 S2\" id=\"t3b_81\">163,893 </span><span class=\"S1624 S483 S2\" id=\"t3c_81\">fix </span><span class=\"S1625 S483 S2\" id=\"t3d_81\">5.50 </span><span class=\"S1626 S483 S2\" id=\"t3e_81\">3 </span><span class=\"S1627 S483 S2\" id=\"t3f_81\">XS2536446649 </span><span class=\"S1628 S483 S2\" id=\"t3g_81\">29/09/2022 </span><span class=\"S1629 S483 S2\" id=\"t3h_81\">29/09/2026 </span><span class=\"S162A S483 S2\" id=\"t3i_81\">USD </span><span class=\"S162B S483 S2\" id=\"t3j_81\">60 </span><span class=\"S162C S483 S2\" id=\"t3k_81\">22,541 </span><span class=\"S162D S483 S2\" id=\"t3l_81\">61 </span><span class=\"S162E S483 S2\" id=\"t3m_81\">22,972 </span><span class=\"S162F S483 S2\" id=\"t3n_81\">fix </span><span class=\"S1630 S483 S2\" id=\"t3o_81\">7.25 </span><span class=\"S1631 S483 S2\" id=\"t3p_81\">4 </span><span class=\"S1632 S483 S2\" id=\"t3q_81\">Other </span><span class=\"S1633 S482 S2\" id=\"t3r_81\">1 </span><span class=\"S1634 S483 S2\" id=\"t3s_81\">12 </span><span class=\"S1635 S483 S2\" id=\"t3t_81\">60 </span><span class=\"S1636 S483 S2\" id=\"t3u_81\">15 </span><span class=\"S1637 S483 S2\" id=\"t3v_81\">76 </span><span class=\"S1638 SC43 S2\" id=\"t3w_81\">Total issued securities in FX </span><span class=\"S1639 SC43 S2\" id=\"t3x_81\">442,596 </span><span class=\"S163A SC43 S2\" id=\"t3y_81\">448,282 </span><span class=\"S163B SC43 S2\" id=\"t3z_81\">Total issued securities </span><span class=\"S163C SC43 S2\" id=\"t40_81\">870,682 </span><span class=\"S163D SE8B S2\" id=\"t41_81\">1 </span><span class=\"S163E SA7 S2\" id=\"t42_81\">Issued other </span><span class=\"S163F S5B9 S2\" id=\"t43_81\">securities denominated in foreign currency are promissory notes issued by JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S1640 SA7 S2\" id=\"t44_81\">in the amount of HUF 60 million as at 31 December 2022. </span><span class=\"S1641 SB S2\" id=\"t45_81\">Issued securities denominated in HUF as at 31 December 2021 (in HUF mn) </span><span class=\"S1642 SC43 S2\" id=\"t46_81\">Name </span><span class=\"S1643 SC43 S2\" id=\"t47_81\">Date of issue </span><span class=\"S1644 SC43 S2\" id=\"t48_81\">Maturity </span><span class=\"S1645 SC43 S2\" id=\"t49_81\">Nominal </span><span class=\"S1646 SC43 S2\" id=\"t4a_81\">value </span><span class=\"S1647 SC43 S2\" id=\"t4b_81\">Amortized </span><span class=\"S1648 SC43 S2\" id=\"t4c_81\">cost </span><span class=\"S1649 SC43 S2\" id=\"t4d_81\">Interest conditions </span><span class=\"S164A SC43 S2\" id=\"t4e_81\">Hedged </span><span class=\"S164B SC43 S2\" id=\"t4f_81\">(in HUF mn) </span><span class=\"S164C SC43 S2\" id=\"t4g_81\">(in HUF mn) </span><span class=\"S164D SC43 S2\" id=\"t4h_81\">(actual interest </span><span class=\"S164E SC43 S2\" id=\"t4i_81\">rate in % p.a.) </span><span class=\"S164F S483 S2\" id=\"t4j_81\">1 </span><span class=\"S1650 S483 S2\" id=\"t4k_81\">OTPX2022A </span><span class=\"S1651 S483 S2\" id=\"t4l_81\">22/03/2012 </span><span class=\"S1652 S483 S2\" id=\"t4m_81\">23/03/2022 </span><span class=\"S1653 S483 S2\" id=\"t4n_81\">175 </span><span class=\"S1654 S483 S2\" id=\"t4o_81\">236 </span><span class=\"S1655 S483 S2\" id=\"t4p_81\">indexed </span><span class=\"S1656 S483 S2\" id=\"t4q_81\">NaN </span><span class=\"S1657 S483 S2\" id=\"t4r_81\">hedged </span><span class=\"S1658 S483 S2\" id=\"t4s_81\">2 </span><span class=\"S1659 S483 S2\" id=\"t4t_81\">OTPX2022B </span><span class=\"S165A S483 S2\" id=\"t4u_81\">18/07/2012 </span><span class=\"S165B S483 S2\" id=\"t4v_81\">18/07/2022 </span><span class=\"S165C S483 S2\" id=\"t4w_81\">164 </span><span class=\"S165D S483 S2\" id=\"t4x_81\">549 </span><span class=\"S165E S483 S2\" id=\"t4y_81\">indexed </span><span class=\"S165F S483 S2\" id=\"t4z_81\">1.70 </span><span class=\"S1660 S483 S2\" id=\"t50_81\">hedged </span><span class=\"S1661 S483 S2\" id=\"t51_81\">3 </span><span class=\"S1662 S483 S2\" id=\"t52_81\">OTPX2022C </span><span class=\"S1663 S483 S2\" id=\"t53_81\">29/10/2012 </span><span class=\"S1664 S483 S2\" id=\"t54_81\">28/10/2022 </span><span class=\"S1665 S483 S2\" id=\"t55_81\">177 </span><span class=\"S1666 S483 S2\" id=\"t56_81\">317 </span><span class=\"S1667 S483 S2\" id=\"t57_81\">indexed </span><span class=\"S1668 S483 S2\" id=\"t58_81\">1.70 </span><span class=\"S1669 S483 S2\" id=\"t59_81\">hedged </span><span class=\"S166A S483 S2\" id=\"t5a_81\">4 </span><span class=\"S166B S483 S2\" id=\"t5b_81\">OTPX2022D </span><span class=\"S166C S483 S2\" id=\"t5c_81\">28/12/2012 </span><span class=\"S166D S483 S2\" id=\"t5d_81\">27/12/2022 </span><span class=\"S166E S483 S2\" id=\"t5e_81\">238 </span><span class=\"S166F S483 S2\" id=\"t5f_81\">290 </span><span class=\"S1670 S483 S2\" id=\"t5g_81\">indexed </span><span class=\"S1671 S483 S2\" id=\"t5h_81\">1.70 </span><span class=\"S1672 S483 S2\" id=\"t5i_81\">hedged </span><span class=\"S1673 S483 S2\" id=\"t5j_81\">5 </span><span class=\"S1674 S483 S2\" id=\"t5k_81\">OTPX2023A </span><span class=\"S1675 S483 S2\" id=\"t5l_81\">22/03/2013 </span><span class=\"S1676 S483 S2\" id=\"t5m_81\">24/03/2023 </span><span class=\"S1677 S483 S2\" id=\"t5n_81\">312 </span><span class=\"S1678 S483 S2\" id=\"t5o_81\">366 </span><span class=\"S1679 S483 S2\" id=\"t5p_81\">indexed </span><span class=\"S167A S483 S2\" id=\"t5q_81\">1.70 </span><span class=\"S167B S483 S2\" id=\"t5r_81\">hedged </span><span class=\"S167C S483 S2\" id=\"t5s_81\">6 </span><span class=\"S167D S483 S2\" id=\"t5t_81\">OTPX2023B </span><span class=\"S167E S483 S2\" id=\"t5u_81\">28/06/2013 </span><span class=\"S167F S483 S2\" id=\"t5v_81\">26/06/2023 </span><span class=\"S1680 S483 S2\" id=\"t5w_81\">198 </span><span class=\"S1681 S483 S2\" id=\"t5x_81\">272 </span><span class=\"S1682 S483 S2\" id=\"t5y_81\">indexed </span><span class=\"S1683 S483 S2\" id=\"t5z_81\">0.60 </span><span class=\"S1684 S483 S2\" id=\"t60_81\">hedged </span><span class=\"S1685 S483 S2\" id=\"t61_81\">7 </span><span class=\"S1686 S483 S2\" id=\"t62_81\">OTPX2024A </span><span class=\"S1687 S483 S2\" id=\"t63_81\">18/06/2014 </span><span class=\"S1688 S483 S2\" id=\"t64_81\">21/06/2024 </span><span class=\"S1689 S483 S2\" id=\"t65_81\">241 </span><span class=\"S168A S483 S2\" id=\"t66_81\">277 </span><span class=\"S168B S483 S2\" id=\"t67_81\">indexed </span><span class=\"S168C S483 S2\" id=\"t68_81\">1.30 </span><span class=\"S168D S483 S2\" id=\"t69_81\">hedged </span><span class=\"S168E S483 S2\" id=\"t6a_81\">8 </span><span class=\"S168F S483 S2\" id=\"t6b_81\">OTPX2024B </span><span class=\"S1690 S483 S2\" id=\"t6c_81\">10/10/2014 </span><span class=\"S1691 S483 S2\" id=\"t6d_81\">16/10/2024 </span><span class=\"S1692 S483 S2\" id=\"t6e_81\">295 </span><span class=\"S1693 S483 S2\" id=\"t6f_81\">336 </span><span class=\"S1694 S483 S2\" id=\"t6g_81\">indexed </span><span class=\"S1695 S483 S2\" id=\"t6h_81\">0.70 </span><span class=\"S1696 S483 S2\" id=\"t6i_81\">hedged </span><span class=\"S1697 S483 S2\" id=\"t6j_81\">9 </span><span class=\"S1698 S483 S2\" id=\"t6k_81\">OTPX2024C </span><span class=\"S1699 S483 S2\" id=\"t6l_81\">15/12/2014 </span><span class=\"S169A S483 S2\" id=\"t6m_81\">20/12/2024 </span><span class=\"S169B S483 S2\" id=\"t6n_81\">242 </span><span class=\"S169C S483 S2\" id=\"t6o_81\">275 </span><span class=\"S169D S483 S2\" id=\"t6p_81\">indexed </span><span class=\"S169E S483 S2\" id=\"t6q_81\">0.60 </span><span class=\"S169F S483 S2\" id=\"t6r_81\">hedged </span><span class=\"S16A0 S483 S2\" id=\"t6s_81\">10 </span><span class=\"S16A1 S483 S2\" id=\"t6t_81\">OTPRF2022A </span><span class=\"S16A2 S483 S2\" id=\"t6u_81\">22/03/2012 </span><span class=\"S16A3 S483 S2\" id=\"t6v_81\">23/03/2022 </span><span class=\"S16A4 S483 S2\" id=\"t6w_81\">2,321 </span><span class=\"S16A5 S483 S2\" id=\"t6x_81\">2,513 </span><span class=\"S16A6 S483 S2\" id=\"t6y_81\">indexed </span><span class=\"S16A7 S483 S2\" id=\"t6z_81\">1.70 </span><span class=\"S16A8 S483 S2\" id=\"t70_81\">hedged </span><span class=\"S16A9 S483 S2\" id=\"t71_81\">11 </span><span class=\"S16AA S483 S2\" id=\"t72_81\">OTPRF2022B </span><span class=\"S16AB S483 S2\" id=\"t73_81\">22/03/2012 </span><span class=\"S16AC S483 S2\" id=\"t74_81\">23/03/2022 </span><span class=\"S16AD S483 S2\" id=\"t75_81\">934 </span><span class=\"S16AE S483 S2\" id=\"t76_81\">1,011 </span><span class=\"S16AF S483 S2\" id=\"t77_81\">indexed </span><span class=\"S16B0 S483 S2\" id=\"t78_81\">1.70 </span><span class=\"S16B1 S483 S2\" id=\"t79_81\">hedged </span><span class=\"S16B2 S483 S2\" id=\"t7a_81\">12 </span><span class=\"S16B3 S483 S2\" id=\"t7b_81\">OTPRF2022C </span><span class=\"S16B4 S483 S2\" id=\"t7c_81\">28/06/2012 </span><span class=\"S16B5 S483 S2\" id=\"t7d_81\">28/06/2022 </span><span class=\"S16B6 S483 S2\" id=\"t7e_81\">209 </span><span class=\"S16B7 S483 S2\" id=\"t7f_81\">266 </span><span class=\"S16B8 S483 S2\" id=\"t7g_81\">indexed </span><span class=\"S16B9 S483 S2\" id=\"t7h_81\">1.70 </span><span class=\"S16BA S483 S2\" id=\"t7i_81\">hedged </span><span class=\"S16BB SC43 S2\" id=\"t7j_81\">Subtotal </span><span class=\"S16BC SC43 S2\" id=\"t7k_81\">5,506 </span><span class=\"S16BD SC43 S2\" id=\"t7l_81\">6,708 </span><span class=\"SFA4 SB S2\" id=\"t3_82\">NOTE 21: </span><span class=\"S13E0 SB S2\" id=\"t4_82\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"S15B1 SB S2\" id=\"t5_82\">Issued securities denominated in HUF as at 31 December 2021 (in HUF mn) [continued] </span><span class=\"S16BE SC43 S2\" id=\"t6_82\">Name </span><span class=\"S16BF SC43 S2\" id=\"t7_82\">Date of issue </span><span class=\"S16C0 SC43 S2\" id=\"t8_82\">Maturity </span><span class=\"S16C1 SC43 S2\" id=\"t9_82\">Nominal </span><span class=\"S16C2 SC43 S2\" id=\"ta_82\">value </span><span class=\"S16C3 SC43 S2\" id=\"tb_82\">Amortized </span><span class=\"S16C4 SC43 S2\" id=\"tc_82\">cost </span><span class=\"S16C5 SC43 S2\" id=\"td_82\">Interest conditions </span><span class=\"S16C6 SC43 S2\" id=\"te_82\">Hedged </span><span class=\"S16C7 SC43 S2\" id=\"tf_82\">(in HUF mn) </span><span class=\"S16C8 SC43 S2\" id=\"tg_82\">(in HUF mn) </span><span class=\"S16C9 SC43 S2\" id=\"th_82\">(actual interest </span><span class=\"S16CA SC43 S2\" id=\"ti_82\">rate in % p.a.) </span><span class=\"S16CB S483 S2\" id=\"tj_82\">13 </span><span class=\"S16CC S483 S2\" id=\"tk_82\">OTPRF2022D </span><span class=\"S16CD S483 S2\" id=\"tl_82\">28/06/2012 </span><span class=\"S16CE S483 S2\" id=\"tm_82\">28/06/2022 </span><span class=\"S16CF S483 S2\" id=\"tn_82\">286 </span><span class=\"S16D0 S483 S2\" id=\"to_82\">324 </span><span class=\"S16D1 S483 S2\" id=\"tp_82\">indexed </span><span class=\"S16D2 S483 S2\" id=\"tq_82\">1.70 </span><span class=\"S16D3 S483 S2\" id=\"tr_82\">hedged </span><span class=\"S16D4 S483 S2\" id=\"ts_82\">14 </span><span class=\"S16D5 S483 S2\" id=\"tt_82\">OTPRF2022E </span><span class=\"S16D6 S483 S2\" id=\"tu_82\">29/10/2012 </span><span class=\"S16D7 S483 S2\" id=\"tv_82\">31/10/2022 </span><span class=\"S16D8 S483 S2\" id=\"tw_82\">862 </span><span class=\"S16D9 S483 S2\" id=\"tx_82\">933 </span><span class=\"S16DA S483 S2\" id=\"ty_82\">indexed </span><span class=\"S16DB S483 S2\" id=\"tz_82\">1.70 </span><span class=\"S16DC S483 S2\" id=\"t10_82\">hedged </span><span class=\"S16DD S483 S2\" id=\"t11_82\">15 </span><span class=\"S16DE S483 S2\" id=\"t12_82\">OTPRF2022F </span><span class=\"S16DF S483 S2\" id=\"t13_82\">28/12/2012 </span><span class=\"S16E0 S483 S2\" id=\"t14_82\">28/12/2022 </span><span class=\"S16E1 S483 S2\" id=\"t15_82\">708 </span><span class=\"S16E2 S483 S2\" id=\"t16_82\">773 </span><span class=\"S16E3 S483 S2\" id=\"t17_82\">indexed </span><span class=\"S16E4 S483 S2\" id=\"t18_82\">1.70 </span><span class=\"S16E5 S483 S2\" id=\"t19_82\">hedged </span><span class=\"S16E6 S483 S2\" id=\"t1a_82\">16 </span><span class=\"S16E7 S483 S2\" id=\"t1b_82\">OTPRF2023A </span><span class=\"S16E8 S483 S2\" id=\"t1c_82\">22/03/2013 </span><span class=\"S16E9 S483 S2\" id=\"t1d_82\">24/03/2023 </span><span class=\"S16EA S483 S2\" id=\"t1e_82\">899 </span><span class=\"S16EB S483 S2\" id=\"t1f_82\">977 </span><span class=\"S16EC S483 S2\" id=\"t1g_82\">indexed </span><span class=\"S16ED S483 S2\" id=\"t1h_82\">1.70 </span><span class=\"S16EE S483 S2\" id=\"t1i_82\">hedged </span><span class=\"S16EF S483 S2\" id=\"t1j_82\">17 </span><span class=\"S16F0 S483 S2\" id=\"t1k_82\">OJB2023_I </span><span class=\"S16F1 S483 S2\" id=\"t1l_82\">05/04/2018 </span><span class=\"S16F2 S483 S2\" id=\"t1m_82\">24/11/2023 </span><span class=\"S16F3 S483 S2\" id=\"t1n_82\">44,120 </span><span class=\"S16F4 S483 S2\" id=\"t1o_82\">42,300 </span><span class=\"S16F5 S483 S2\" id=\"t1p_82\">1.75 </span><span class=\"S16F6 S483 S2\" id=\"t1q_82\">fix </span><span class=\"S16F7 S483 S2\" id=\"t1r_82\">18 </span><span class=\"S16F8 S483 S2\" id=\"t1s_82\">OJB2024_A </span><span class=\"S16F9 S483 S2\" id=\"t1t_82\">17/09/2018 </span><span class=\"S16FA S483 S2\" id=\"t1u_82\">20/05/2024 </span><span class=\"S16FB S483 S2\" id=\"t1v_82\">57,067 </span><span class=\"S16FC S483 S2\" id=\"t1w_82\">57,010 </span><span class=\"S16FD S483 S2\" id=\"t1x_82\">4.26 </span><span class=\"S16FE S483 S2\" id=\"t1y_82\">floating </span><span class=\"S16FF S483 S2\" id=\"t1z_82\">19 </span><span class=\"S1700 S483 S2\" id=\"t20_82\">OJB2024_C </span><span class=\"S1701 S483 S2\" id=\"t21_82\">24/02/2020 </span><span class=\"S1702 S483 S2\" id=\"t22_82\">24/10/2024 </span><span class=\"S1703 S483 S2\" id=\"t23_82\">80,125 </span><span class=\"S1704 S483 S2\" id=\"t24_82\">79,972 </span><span class=\"S1705 S483 S2\" id=\"t25_82\">3.95 </span><span class=\"S1706 S483 S2\" id=\"t26_82\">floating </span><span class=\"S1707 S483 S2\" id=\"t27_82\">20 </span><span class=\"S1708 S483 S2\" id=\"t28_82\">OJB2024_II </span><span class=\"S1709 S483 S2\" id=\"t29_82\">10/10/2018 </span><span class=\"S170A S483 S2\" id=\"t2a_82\">24/10/2024 </span><span class=\"S170B S483 S2\" id=\"t2b_82\">96,800 </span><span class=\"S170C S483 S2\" id=\"t2c_82\">89,138 </span><span class=\"S170D S483 S2\" id=\"t2d_82\">2.5 </span><span class=\"S170E S483 S2\" id=\"t2e_82\">fix </span><span class=\"S170F S483 S2\" id=\"t2f_82\">21 </span><span class=\"S1710 S483 S2\" id=\"t2g_82\">OJB2025_II </span><span class=\"S1711 S483 S2\" id=\"t2h_82\">03/02/2020 </span><span class=\"S1712 S483 S2\" id=\"t2i_82\">26/11/2025 </span><span class=\"S1713 S483 S2\" id=\"t2j_82\">22,550 </span><span class=\"S1714 S483 S2\" id=\"t2k_82\">20,003 </span><span class=\"S1715 S483 S2\" id=\"t2l_82\">1.5 </span><span class=\"S1716 S483 S2\" id=\"t2m_82\">fix </span><span class=\"S1717 S483 S2\" id=\"t2n_82\">hedged </span><span class=\"S1718 S483 S2\" id=\"t2o_82\">22 </span><span class=\"S1719 S483 S2\" id=\"t2p_82\">OJB2027_I </span><span class=\"S171A S483 S2\" id=\"t2q_82\">23/07/2020 </span><span class=\"S171B S483 S2\" id=\"t2r_82\">27/10/2027 </span><span class=\"S171C S483 S2\" id=\"t2s_82\">76,850 </span><span class=\"S171D S483 S2\" id=\"t2t_82\">67,257 </span><span class=\"S171E S483 S2\" id=\"t2u_82\">1.25 </span><span class=\"S171F S483 S2\" id=\"t2v_82\">fix </span><span class=\"S1720 S483 S2\" id=\"t2w_82\">23 </span><span class=\"S1721 S483 S2\" id=\"t2x_82\">OJB2031_I </span><span class=\"S1722 S483 S2\" id=\"t2y_82\">18/08/2021 </span><span class=\"S1723 S483 S2\" id=\"t2z_82\">22/10/2031 </span><span class=\"S1724 S483 S2\" id=\"t30_82\">82,000 </span><span class=\"S1725 S483 S2\" id=\"t31_82\">70,655 </span><span class=\"S1726 S483 S2\" id=\"t32_82\">2.5 </span><span class=\"S1727 S483 S2\" id=\"t33_82\">fix </span><span class=\"S1728 S483 S2\" id=\"t34_82\">33 </span><span class=\"S1729 S483 S2\" id=\"t35_82\">Other </span><span class=\"S172A S483 S2\" id=\"t36_82\">211 </span><span class=\"S172B S483 S2\" id=\"t37_82\">211 </span><span class=\"S172C SC43 S2\" id=\"t38_82\">Total issued securities in HUF </span><span class=\"S172D SC43 S2\" id=\"t39_82\">467,984 </span><span class=\"S172E SC43 S2\" id=\"t3a_82\">436,261 </span><span class=\"S172F S5B9 S2\" id=\"t3b_82\">Issued securities denominated in foreign currency are promissory notes issued by JSC \u201cOTP Bank\u201d (Russia) in the </span><span class=\"S1730 SA7 S2\" id=\"t3c_82\">amount of HUF 64 million as at 31 December 2021. </span><span class=\"S1731 SB S2\" id=\"t3d_82\">Hedge accounting </span><span class=\"S1732 S5B9 S2\" id=\"t3e_82\">Certain issued structured securities are hedged by the Bank with interest rate swaps (\u201cIRS\u201d) which exchange the </span><span class=\"S1733 SA7 S2\" id=\"t3f_82\">fixed and floating interest rate with the interest rate of the securities between the parties at a notional amount that </span><span class=\"S1734 SA7 S2\" id=\"t3g_82\">equals the nominal amount of the hedged securities. These are considered as fair value hedge relationships as they </span><span class=\"S1735 SA7 S2\" id=\"t3h_82\">cover the interest rate risk arising from the coupons of the hedged securities. OTP Bank does not intend to be </span><span class=\"S1736 SA7 S2\" id=\"t3i_82\">exposed to the risk embedded in the structured bonds, consequently as part of interest rate swap transaction the </span><span class=\"S1737 SA7 S2\" id=\"t3j_82\">structured interest payments are swapped to floating interest rate. </span><span class=\"S1738 SA7 S2\" id=\"t3k_82\">This hedging relationship meets all of the following hedge effectiveness requirements: </span><span class=\"S1739 S5B9 S2\" id=\"t3l_82\">\u2022 </span><span class=\"S173A SA7 S2\" id=\"t3m_82\">there is an economic relationship between the hedged item and the hedging instrument </span><span class=\"S173B S5B9 S2\" id=\"t3n_82\">\u2022 </span><span class=\"S173C SA7 S2\" id=\"t3o_82\">the effect of credit risk does not dominate the value changes that result from that economic relationship </span><span class=\"S173D S5B9 S2\" id=\"t3p_82\">\u2022 </span><span class=\"S173E SA7 S2\" id=\"t3q_82\">the hedge ratio of the hedging relationship is the same as that resulting from the quantity of the hedged item </span><span class=\"S173F SA7 S2\" id=\"t3r_82\">that the Bank actually hedges and the quantity of the hedging instrument that the Bank actually uses to </span><span class=\"S1740 SA7 S2\" id=\"t3s_82\">hedge that quantity of hedged item </span><span class=\"S1741 SA7 S2\" id=\"t3t_82\">The cash-flows of the fixed rate securities issued by the Bank are exposed to the changes in the HUF/EUR foreign </span><span class=\"S1742 SA7 S2\" id=\"t3u_82\">exchange rate and the volatility of the quoted interest rates of EUR and HUF. The interest rate risk and foreign </span><span class=\"S1743 SA7 S2\" id=\"t3v_82\">exchange risk related to these securities are hedged with EUR and HUF IRS transactions, where the fixed interests </span><span class=\"S1744 SA7 S2\" id=\"t3w_82\">were swapped to payments linked to 3-month HUF BUBOR and EURIBOR, resulting in a decrease in the interest </span><span class=\"S1745 SA7 S2\" id=\"t3x_82\">rate and foreign exchange exposure of issued securities. </span><span class=\"SFA4 SB S2\" id=\"t3_83\">NOTE 21: </span><span class=\"SFF3 SB S2\" id=\"t4_83\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"SB47 SB S2\" id=\"t5_83\">Term Note Program in the value of HUF 200 billion for the year of 2022/2023 </span><span class=\"S1746 SA7 S2\" id=\"t6_83\">On 10 May 2022 the Bank initiated term note program in the value of HUF 200 billion with the intention of issuing </span><span class=\"S1747 SA7 S2\" id=\"t7_83\">registered dematerialized bonds in public. On 10 August the National Bank of Hungary approved the prospectus </span><span class=\"S871 SA7 S2\" id=\"t8_83\">of Term Note Program. The prospectus is valid for 12 months following the disclosure. </span><span class=\"S1748 SA7 S2\" id=\"t9_83\">The Issuer can initiate to introduce the bonds issued under the program to the Hungarian and to other stock </span><span class=\"S1749 SA7 S2\" id=\"ta_83\">exchanges without any obligations. </span><span class=\"S174A SB S2\" id=\"tb_83\">Term Note Program in the value of HUF 200 billion for the year of 2021/2022 </span><span class=\"S174B SA7 S2\" id=\"tc_83\">On 28 May 2021 the Bank initiated term note program in the value of HUF 200 billion with the intention of </span><span class=\"S174C SA7 S2\" id=\"td_83\">issuing registered dematerialized bonds in public. On 8 July 2021, the National Bank of Hungary approved the </span><span class=\"S174D SA7 S2\" id=\"te_83\">prospectus of Term Note Program. The prospectus is valid for 12 months following the disclosure. </span><span class=\"S174E SA7 S2\" id=\"tf_83\">The Issuer can initiate to introduce the bonds issued under the program to the Hungarian and to other stock </span><span class=\"S174F SA7 S2\" id=\"tg_83\">exchanges without any obligations. </span><span class=\"S936 SB S2\" id=\"th_83\">Issuance of Green Senior Preferred Notes in the aggregate nominal amount of EUR 400 million </span><span class=\"S1750 S5B9 S2\" id=\"ti_83\">OTP Bank Plc have been issued \u201cgreen\u201d notes (ISIN: XS2499691330) on 13 July 2022 as value date in the </span><span class=\"S1751 SA7 S2\" id=\"tj_83\">aggregate nominal amount of EUR 400 million. The non-call 2 years senior preferred notes have a three-year term </span><span class=\"S1752 SA7 S2\" id=\"tk_83\">and carry an annually paid fixed coupon of 5.500% in the first two years. With respect to the third year, the </span><span class=\"S1753 SA7 S2\" id=\"tl_83\">quarterly coupon is calculated as the sum of the initial margin (of 426.5 basis points) and the 3-month EURIBOR </span><span class=\"S1754 S5B9 S2\" id=\"tm_83\">rate. The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by Scope Ratings GmbH. The notes </span><span class=\"S1755 SA7 S2\" id=\"tn_83\">are listed on the Luxembourg Stock Exchange. </span><span class=\"S1756 SB S2\" id=\"to_83\">Issuance of Green Senior Preferred Notes in the aggregate nominal amount of USD 60 million </span><span class=\"S1757 S5B9 S2\" id=\"tp_83\">OTP Bank Plc issued \u201cgreen\u201d notes (ISIN: </span><span class=\"S1758 SA7 S2\" id=\"tq_83\">XS2536446649) on 29 September 2022 as value date in the aggregate </span><span class=\"S1759 S5B9 S2\" id=\"tr_83\">nominal amount of USD 60 million. The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by </span><span class=\"S175A SA7 S2\" id=\"ts_83\">Scope Ratings GmbH. The notes are listed on the Luxembourg Stock Exchange. </span><span class=\"S175B SB S2\" id=\"tt_83\">Issuance of Senior Preferred Notes in the aggregate nominal amount of EUR 650 million </span><span class=\"S175C SA7 S2\" id=\"tu_83\">OTP Bank Plc have been issued the notes (ISIN: XS2560693181) on 1 December 2022 as value date in the </span><span class=\"S175D SA7 S2\" id=\"tv_83\">aggregate nominal amount of EUR 650 million. The 3.25 Non-Call 2.25 years Senior Preferred Notes were priced </span><span class=\"S175E SA7 S2\" id=\"tw_83\">on 23 November 2022. </span><span class=\"S175F S5B9 S2\" id=\"tx_83\">The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by Scope Ratings </span><span class=\"S1760 SA7 S2\" id=\"ty_83\">GmbH. The notes are listed on the Luxembourg Stock Exchange. </span><span class=\"SAA6 SA7 S2\" id=\"tz_83\">There was other issuance of notes denominated in USD after the balance sheet date. See details in Note 52. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5132": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_52\">NOTE 7: </span><span class=\"SDFA SB S2\" id=\"t4_52\">REPO RECEIVABLES (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t5_52\">2022 </span><span class=\"SD72 SB S2\" id=\"t6_52\">2021 </span><span class=\"SDFB SA7 S2\" id=\"t7_52\">Within one year </span><span class=\"SD74 SA7 S2\" id=\"t8_52\">In HUF </span><span class=\"SD75 SA7 S2\" id=\"t9_52\">41,250 </span><span class=\"SD76 SA7 S2\" id=\"ta_52\">33,710 </span><span class=\"SDFC SA7 S2\" id=\"tb_52\">In foreign currency </span><span class=\"SDFD SA7 S2\" id=\"tc_52\">- </span><span class=\"SDFE SA7 S2\" id=\"td_52\">27,632 </span><span class=\"SDFF SB S2\" id=\"te_52\">41,250 </span><span class=\"SE00 SB S2\" id=\"tf_52\">61,342 </span><span class=\"SE01 SA7 S2\" id=\"tg_52\">Over one year </span><span class=\"SE02 SA7 S2\" id=\"th_52\">In HUF </span><span class=\"SE03 SA7 S2\" id=\"ti_52\">- </span><span class=\"SE04 SA7 S2\" id=\"tj_52\">- </span><span class=\"SE05 SA7 S2\" id=\"tk_52\">In foreign currency </span><span class=\"SE06 SA7 S2\" id=\"tl_52\">- </span><span class=\"SE07 SA7 S2\" id=\"tm_52\">- </span><span class=\"SE08 SB S2\" id=\"tn_52\">- </span><span class=\"SE09 SB S2\" id=\"to_52\">- </span><span class=\"SE0A SA7 S2\" id=\"tp_52\">Loss allowance on repo receivables </span><span class=\"SE0B SA7 S2\" id=\"tq_52\">(241) </span><span class=\"SE0C SA7 S2\" id=\"tr_52\">(290) </span><span class=\"SE0D SB S2\" id=\"ts_52\">Total </span><span class=\"SE0E SB S2\" id=\"tt_52\">41,009 </span><span class=\"SE0F SB S2\" id=\"tu_52\">61,052 </span><span class=\"SE10 SA7 S2\" id=\"tv_52\">An analysis of the change in the loss allowance on repo receivables is as follows: </span><span class=\"SE11 SB S2\" id=\"tw_52\">2022 </span><span class=\"SE12 SB S2\" id=\"tx_52\">2021 </span><span class=\"SE13 SB S2\" id=\"ty_52\">Balance as at 1 January </span><span class=\"SE14 SB S2\" id=\"tz_52\">290 </span><span class=\"SE15 SB S2\" id=\"t10_52\">292 </span><span class=\"SE16 SA7 S2\" id=\"t11_52\">Loss allowance for the period </span><span class=\"SE17 SA7 S2\" id=\"t12_52\">4,744 </span><span class=\"SE18 SA7 S2\" id=\"t13_52\">1,112 </span><span class=\"SE19 SA7 S2\" id=\"t14_52\">Release of loss allowance for the period </span><span class=\"SE1A SA7 S2\" id=\"t15_52\">(4,794) </span><span class=\"SE1B SA7 S2\" id=\"t16_52\">(1,124) </span><span class=\"SE1C SA7 S2\" id=\"t17_52\">Use of loss allowance </span><span class=\"SE1D SA7 S2\" id=\"t18_52\">- </span><span class=\"SE1E SA7 S2\" id=\"t19_52\">- </span><span class=\"SE1F SA7 S2\" id=\"t1a_52\">Foreign currency translation difference </span><span class=\"SE20 SA7 S2\" id=\"t1b_52\">1 </span><span class=\"SE21 SA7 S2\" id=\"t1c_52\">10 </span><span class=\"SE22 SB S2\" id=\"t1d_52\">Closing balance </span><span class=\"SE23 SB S2\" id=\"t1e_52\">241 </span><span class=\"SE24 SB S2\" id=\"t1f_52\">290 </span><span class=\"SE25 SA7 S2\" id=\"t1g_52\">Interest conditions of repo receivables (%): </span><span class=\"SE26 SB S2\" id=\"t1h_52\">2022 </span><span class=\"SE27 SB S2\" id=\"t1i_52\">2021 </span><span class=\"SE28 SA7 S2\" id=\"t1j_52\">Interest rates on repo receivables denominated </span><span class=\"SE29 SA7 S2\" id=\"t1k_52\">in HUF </span><span class=\"SE2A SA7 S2\" id=\"t1l_52\">10.70% - 18.00% </span><span class=\"SE2B SA7 S2\" id=\"t1m_52\">3.04% - 3.20 % </span><span class=\"SE2C SA7 S2\" id=\"t1n_52\">Interest rates on repo receivables denominated </span><span class=\"SE2D SA7 S2\" id=\"t1o_52\">in foreign currency </span><span class=\"SE2E SA7 S2\" id=\"t1p_52\">- </span><span class=\"SE2F SA7 S2\" id=\"t1q_52\">(0.58)% - 9.62% </span><span class=\"SFA4 SB S2\" id=\"t3_77\">NOTE 18: </span><span class=\"S14BC SB S2\" id=\"t4_77\">REPO LIABILITIES (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_77\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_77\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_77\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_77\">In HUF </span><span class=\"SE32 SA7 S2\" id=\"t9_77\">29,147 </span><span class=\"SE33 SA7 S2\" id=\"ta_77\">49,726 </span><span class=\"SDC0 SA7 S2\" id=\"tb_77\">In foreign currency </span><span class=\"SE35 SA7 S2\" id=\"tc_77\">197 </span><span class=\"S10CB SA7 S2\" id=\"td_77\">29,321 </span><span class=\"S10CC SB S2\" id=\"te_77\">29,344 </span><span class=\"S10CD SB S2\" id=\"tf_77\">79,047 </span><span class=\"SDC5 SA7 S2\" id=\"tg_77\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_77\">In HUF </span><span class=\"SE3E SA7 S2\" id=\"ti_77\">96 </span><span class=\"S14BD SA7 S2\" id=\"tj_77\">- </span><span class=\"SDC9 SA7 S2\" id=\"tk_77\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_77\">187,929 </span><span class=\"SFB3 SA7 S2\" id=\"tm_77\">- </span><span class=\"S14BF SB S2\" id=\"tn_77\">188,025 </span><span class=\"S14C0 SB S2\" id=\"to_77\">- </span><span class=\"S14C1 SB S2\" id=\"tp_77\">Total </span><span class=\"S14C2 SB S2\" id=\"tq_77\">217,369 </span><span class=\"S14C3 SB S2\" id=\"tr_77\">79,047 </span><span class=\"S14C4 SA7 S2\" id=\"ts_77\">Interest rates on repo liabilities are as follows: </span><span class=\"S14C5 SB S2\" id=\"tt_77\">2022 </span><span class=\"S14C6 SB S2\" id=\"tu_77\">2021 </span><span class=\"S14C7 SA7 S2\" id=\"tv_77\">Interest rates on repo liabilities </span><span class=\"S14C8 SA7 S2\" id=\"tw_77\">denominated in HUF </span><span class=\"S14C9 SA7 S2\" id=\"tx_77\">4.75% - 15.47% </span><span class=\"S14CA SA7 S2\" id=\"ty_77\">0.00% - 2.80% </span><span class=\"S14CB SA7 S2\" id=\"tz_77\">Interest rates on repo liabilities </span><span class=\"S14CC SA7 S2\" id=\"t10_77\">denominated in foreign currency </span><span class=\"S14CD SA7 S2\" id=\"t11_77\">2.47% - 5.20% </span><span class=\"S14CE SA7 S2\" id=\"t12_77\">(0.95)% - 0.00% </span><span class=\"SFA4 SB S2\" id=\"t3_149\">NOTE 38: </span><span class=\"S5BA SB S2\" id=\"t4_149\">TRANSFER OF FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S33CF SB S2\" id=\"t5_149\">Financial assets transferred but not derecognized </span><span class=\"S33D0 SB S2\" id=\"t6_149\">Transferred </span><span class=\"S33D1 SB S2\" id=\"t7_149\">assets </span><span class=\"S33D2 SB S2\" id=\"t8_149\">Associated </span><span class=\"S33D3 SB S2\" id=\"t9_149\">liabilities </span><span class=\"S33D4 SB S2\" id=\"ta_149\">Transferred </span><span class=\"S33D5 SB S2\" id=\"tb_149\">assets </span><span class=\"S33D6 SB S2\" id=\"tc_149\">Associated </span><span class=\"S33D7 SB S2\" id=\"td_149\">liabilities </span><span class=\"S33D8 SB S2\" id=\"te_149\">Carrying amount </span><span class=\"S33D9 SB S2\" id=\"tf_149\">Carrying amount </span><span class=\"S33DA SB S2\" id=\"tg_149\">2022 </span><span class=\"S33DB SB S2\" id=\"th_149\">2021 </span><span class=\"S33DC SB S2\" id=\"ti_149\">Financial assets at fair value </span><span class=\"S33DD SB S2\" id=\"tj_149\">through other comprehensive income </span><span class=\"S33DE SA7 S2\" id=\"tk_149\">Debt securities </span><span class=\"S33DF SA7 S2\" id=\"tl_149\">- </span><span class=\"S33E0 SA7 S2\" id=\"tm_149\">- </span><span class=\"S33E1 SA7 S2\" id=\"tn_149\">52,371 </span><span class=\"S33E2 SA7 S2\" id=\"to_149\">45,484 </span><span class=\"S33E3 SB S2\" id=\"tp_149\">Total </span><span class=\"S33E4 SB S2\" id=\"tq_149\">- </span><span class=\"S33E5 SB S2\" id=\"tr_149\">- </span><span class=\"S33E6 SB S2\" id=\"ts_149\">52,371 </span><span class=\"S33E7 SB S2\" id=\"tt_149\">45,484 </span><span class=\"S33E8 SB S2\" id=\"tu_149\">Financial assets at amortized cost </span><span class=\"S33E9 SA7 S2\" id=\"tv_149\">Debt securities </span><span class=\"S33EA SA7 S2\" id=\"tw_149\">332,082 </span><span class=\"S33EB SA7 S2\" id=\"tx_149\">282,227 </span><span class=\"S33EC SA7 S2\" id=\"ty_149\">92,765 </span><span class=\"S33ED SA7 S2\" id=\"tz_149\">90,986 </span><span class=\"S33EE SA7 S2\" id=\"t10_149\">Loans and advances </span><span class=\"S33EF SA7 S2\" id=\"t11_149\">3,534 </span><span class=\"S33F0 SA7 S2\" id=\"t12_149\">1,647 </span><span class=\"S33F1 SA7 S2\" id=\"t13_149\">833 </span><span class=\"S33F2 SA7 S2\" id=\"t14_149\">1,056 </span><span class=\"S33F3 SB S2\" id=\"t15_149\">Total </span><span class=\"S33F4 SB S2\" id=\"t16_149\">335,616 </span><span class=\"S33F5 SB S2\" id=\"t17_149\">283,874 </span><span class=\"S33F6 SB S2\" id=\"t18_149\">93,598 </span><span class=\"S33F7 SB S2\" id=\"t19_149\">92,042 </span><span class=\"S17B5 SB S2\" id=\"t1a_149\">Total </span><span class=\"S33F8 SB S2\" id=\"t1b_149\">335,616 </span><span class=\"S33F9 SB S2\" id=\"t1c_149\">283,874 </span><span class=\"S33FA SB S2\" id=\"t1d_149\">145,969 </span><span class=\"S33FB SB S2\" id=\"t1e_149\">137,526 </span><span class=\"S33FC SA7 S2\" id=\"t1f_149\">As at 31 December 2022 and 2021, the Group had an obligation from repurchase agreements (repo liability) of </span><span class=\"S33FD SA7 S2\" id=\"t1g_149\">HUF 217,264 million and HUF 79,045 million respectively. Securities sold temporarily under repurchase </span><span class=\"S33FE SA7 S2\" id=\"t1h_149\">agreements will continue to be recognized in the Consolidated Statement of Financial Position of the Group in the </span><span class=\"S33FF SA7 S2\" id=\"t1i_149\">appropriate securities category. The related liability is measured at amortized cost in the Consolidated Statement </span><span class=\"S3400 S5B9 S2\" id=\"t1j_149\">of Financial Position as \u201cAmounts due to the National Governments, to the National Banks and other banks and </span><span class=\"S3401 S5B9 S2\" id=\"t1k_149\">repo liabilities\u201d. </span><span class=\"S3402 SB S2\" id=\"t1l_149\">Financial assets transferred, derecognized with continuing involvement </span><span class=\"S3403 SA7 S2\" id=\"t1m_149\">Financial assets which would have been derecognized but would be represented the continuing involvement are </span><span class=\"S3404 SA7 S2\" id=\"t1n_149\">not recognized in the Consolidated Statement of Financial Position as at 31 December 2022 or as at 31 December </span><span class=\"S3405 SA7 S2\" id=\"t1o_149\">2021. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5202": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_53\">NOTE 8: </span><span class=\"S6B1 SB S2\" id=\"t4_53\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_53\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_53\">2021 </span><span class=\"SE30 SB S2\" id=\"t7_53\">Securities held for trading </span><span class=\"SE31 SA7 S2\" id=\"t8_53\">Government bonds </span><span class=\"SE32 SA7 S2\" id=\"t9_53\">78,897 </span><span class=\"SE33 SA7 S2\" id=\"ta_53\">97,531 </span><span class=\"SE34 SA7 S2\" id=\"tb_53\">Equity instruments and fund units </span><span class=\"SE35 SA7 S2\" id=\"tc_53\">385 </span><span class=\"SE36 SA7 S2\" id=\"td_53\">1,173 </span><span class=\"SE37 SA7 S2\" id=\"te_53\">Corporate bonds </span><span class=\"SE38 SA7 S2\" id=\"tf_53\">119 </span><span class=\"SE39 SA7 S2\" id=\"tg_53\">740 </span><span class=\"SE3A SA7 S2\" id=\"th_53\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"ti_53\">22,896 </span><span class=\"SE3C SA7 S2\" id=\"tj_53\">923 </span><span class=\"SE3D SA7 S2\" id=\"tk_53\">Mortgage bonds </span><span class=\"SE3E SA7 S2\" id=\"tl_53\">72 </span><span class=\"SE3F SA7 S2\" id=\"tm_53\">101 </span><span class=\"SDC9 SA7 S2\" id=\"tn_53\">Other interest-bearing securities </span><span class=\"SE40 SA7 S2\" id=\"to_53\">1,628 </span><span class=\"SE41 SA7 S2\" id=\"tp_53\">1,347 </span><span class=\"SE42 SA7 S2\" id=\"tq_53\">Other non-interest-bearing securities </span><span class=\"SE43 SA7 S2\" id=\"tr_53\">753 </span><span class=\"SE44 SA7 S2\" id=\"ts_53\">1,695 </span><span class=\"SE45 SB S2\" id=\"tt_53\">104,750 </span><span class=\"SE46 SB S2\" id=\"tu_53\">103,510 </span><span class=\"SE47 SB S2\" id=\"tv_53\">Non-trading securities mandatorily at </span><span class=\"SE48 SB S2\" id=\"tw_53\">fair value through profit or loss </span><span class=\"SE49 SA7 S2\" id=\"tx_53\">Equity instruments, shares and open-ended fund units </span><span class=\"SE4A SA7 S2\" id=\"ty_53\">49,746 </span><span class=\"SE4B SA7 S2\" id=\"tz_53\">44,894 </span><span class=\"SE4C SA7 S2\" id=\"t10_53\">Bonds </span><span class=\"SE4D SA7 S2\" id=\"t11_53\">5,409 </span><span class=\"SE4E SA7 S2\" id=\"t12_53\">8,509 </span><span class=\"SE4F SB S2\" id=\"t13_53\">55,155 </span><span class=\"SE50 SB S2\" id=\"t14_53\">53,403 </span><span class=\"SE51 SB S2\" id=\"t15_53\">Debt securities designated at </span><span class=\"SE52 SB S2\" id=\"t16_53\">fair value through profit or loss </span><span class=\"SE53 SB S2\" id=\"t17_53\">- </span><span class=\"SE54 SB S2\" id=\"t18_53\">- </span><span class=\"SE55 SB S2\" id=\"t19_53\">Total </span><span class=\"SE56 SB S2\" id=\"t1a_53\">159,905 </span><span class=\"SE57 SB S2\" id=\"t1b_53\">156,913 </span><span class=\"SE58 SB S2\" id=\"t1c_53\">Positive fair value of derivative financial assets held for trading </span><span class=\"SE59 SB S2\" id=\"t1d_53\">2022 </span><span class=\"SE5A SB S2\" id=\"t1e_53\">2021 </span><span class=\"S6CB SA7 S2\" id=\"t1f_53\">Foreign exchange swaps held for trading </span><span class=\"SE5B SA7 S2\" id=\"t1g_53\">79,395 </span><span class=\"SE5C SA7 S2\" id=\"t1h_53\">38,728 </span><span class=\"SE5D SA7 S2\" id=\"t1i_53\">Interest rate swaps held for trading </span><span class=\"SE5E SA7 S2\" id=\"t1j_53\">127,230 </span><span class=\"SE5F SA7 S2\" id=\"t1k_53\">59,504 </span><span class=\"SE60 SA7 S2\" id=\"t1l_53\">Commodity swaps </span><span class=\"SE61 SA7 S2\" id=\"t1m_53\">33,693 </span><span class=\"SE62 SA7 S2\" id=\"t1n_53\">51,523 </span><span class=\"SE63 SA7 S2\" id=\"t1o_53\">CCIRS and mark-to-market CCIRS </span><span class=\"SE64 SA7 S2\" id=\"t1p_53\">held-for-trading </span><span class=\"SE65 SE8B S2\" id=\"t1q_53\">1 </span><span class=\"SE66 SA7 S2\" id=\"t1r_53\">20,512 </span><span class=\"SE67 SA7 S2\" id=\"t1s_53\">11,758 </span><span class=\"SE68 SA7 S2\" id=\"t1t_53\">Foreign exchange forward contracts held for trading </span><span class=\"SE69 SA7 S2\" id=\"t1u_53\">13,085 </span><span class=\"SE6A SA7 S2\" id=\"t1v_53\">10,790 </span><span class=\"SE6B SA7 S2\" id=\"t1w_53\">Held-for-trading option contracts </span><span class=\"SE6C SA7 S2\" id=\"t1x_53\">2,122 </span><span class=\"SE6D SA7 S2\" id=\"t1y_53\">1,285 </span><span class=\"SE6E SA7 S2\" id=\"t1z_53\">Held-for-trading forward security agreement </span><span class=\"SE6F SA7 S2\" id=\"t20_53\">13 </span><span class=\"SE70 SA7 S2\" id=\"t21_53\">- </span><span class=\"SE71 SA7 S2\" id=\"t22_53\">Other derivative transactions held for trading </span><span class=\"SE72 SE8B S2\" id=\"t23_53\">2 </span><span class=\"SE73 SA7 S2\" id=\"t24_53\">432 </span><span class=\"SE74 SA7 S2\" id=\"t25_53\">10,896 </span><span class=\"SE75 SB S2\" id=\"t26_53\">Total </span><span class=\"SE76 SB S2\" id=\"t27_53\">276,482 </span><span class=\"SE77 SB S2\" id=\"t28_53\">184,484 </span><span class=\"SE78 SB S2\" id=\"t29_53\">Total </span><span class=\"SE79 SB S2\" id=\"t2a_53\">436,387 </span><span class=\"SE7A SB S2\" id=\"t2b_53\">341,397 </span><span class=\"SE7B S482 S2\" id=\"t2c_53\">1 </span><span class=\"SE7C S483 S2\" id=\"t2d_53\">CCIRS: Cross Currency Interest Rate Swaps (See Note 2.6.3.) </span><span class=\"SE7D S482 S2\" id=\"t2e_53\">2 </span><span class=\"SE7E S483 S2\" id=\"t2f_53\">Other category includes: fx spot, equity swaps, option and index futures. </span><span class=\"SE7F SA7 S2\" id=\"t2g_53\">An analysis of securities held for trading portfolio by currency (%): </span><span class=\"SE80 SB S2\" id=\"t2h_53\">2022 </span><span class=\"SE81 SB S2\" id=\"t2i_53\">2021 </span><span class=\"SE82 SA7 S2\" id=\"t2j_53\">Denominated in HUF </span><span class=\"SE83 SA7 S2\" id=\"t2k_53\">81.47% </span><span class=\"SE84 SA7 S2\" id=\"t2l_53\">30.46% </span><span class=\"SE85 SA7 S2\" id=\"t2m_53\">Denominated in foreign currency </span><span class=\"SE86 SA7 S2\" id=\"t2n_53\">18.53% </span><span class=\"SE87 SA7 S2\" id=\"t2o_53\">69.54% </span><span class=\"SE88 SB S2\" id=\"t2p_53\">Total </span><span class=\"SE89 SB S2\" id=\"t2q_53\">100.0% </span><span class=\"SE8A SB S2\" id=\"t2r_53\">100.0% </span><span class=\"S583 SB S2\" id=\"t3_54\">NOTE 8: </span><span class=\"SE8C SB S2\" id=\"t4_54\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_54\">[continued] </span><span class=\"SE8D SA7 S2\" id=\"t6_54\">An analysis of government bond portfolio by currency (%): </span><span class=\"SE8E SB S2\" id=\"t7_54\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_54\">2021 </span><span class=\"SE90 SA7 S2\" id=\"t9_54\">Denominated in HUF </span><span class=\"SE91 SA7 S2\" id=\"ta_54\">78.42% </span><span class=\"SE92 SA7 S2\" id=\"tb_54\">28.31% </span><span class=\"SE93 SA7 S2\" id=\"tc_54\">Denominated in foreign currency </span><span class=\"SE94 SA7 S2\" id=\"td_54\">21.58% </span><span class=\"SE95 SA7 S2\" id=\"te_54\">71.69% </span><span class=\"SE96 SB S2\" id=\"tf_54\">Total </span><span class=\"SE97 SB S2\" id=\"tg_54\">100.00% </span><span class=\"SE98 SB S2\" id=\"th_54\">100.00% </span><span class=\"SE99 SA7 S2\" id=\"ti_54\">Interest conditions of held for trading securities (%): </span><span class=\"SE9A SB S2\" id=\"tj_54\">2022 </span><span class=\"SE9B SB S2\" id=\"tk_54\">2021 </span><span class=\"SE9C SA7 S2\" id=\"tl_54\">Interest rates on securities held for trading </span><span class=\"SE9D SA7 S2\" id=\"tm_54\">denominated in HUF </span><span class=\"SE9E SA7 S2\" id=\"tn_54\">0.00% - 16.69% </span><span class=\"SE9F SA7 S2\" id=\"to_54\">0.00% - 6.75% </span><span class=\"SEA0 SA7 S2\" id=\"tp_54\">Interest rates on securities held for trading </span><span class=\"SEA1 SA7 S2\" id=\"tq_54\">denominated in foreign currency </span><span class=\"SEA2 SA7 S2\" id=\"tr_54\">0.00% - 7.63% </span><span class=\"SEA3 SA7 S2\" id=\"ts_54\">0.00% - 9.57% </span><span class=\"SEA4 SA7 S2\" id=\"tt_54\">Interest conditions and the remaining maturities of </span><span class=\"SEA5 SB S2\" id=\"tu_54\">securities held for trading </span><span class=\"SEA6 SA7 S2\" id=\"tv_54\">can be analysed as follows: </span><span class=\"SEA7 SB S2\" id=\"tw_54\">2022 </span><span class=\"SEA8 SB S2\" id=\"tx_54\">2021 </span><span class=\"SEA9 SA7 S2\" id=\"ty_54\">Within one year </span><span class=\"SEAA SA7 S2\" id=\"tz_54\">With variable interest </span><span class=\"SEAB SA7 S2\" id=\"t10_54\">3,041 </span><span class=\"SEAC SA7 S2\" id=\"t11_54\">111 </span><span class=\"SEAD SA7 S2\" id=\"t12_54\">With fixed interest </span><span class=\"SEAE SA7 S2\" id=\"t13_54\">29,025 </span><span class=\"SEAF SA7 S2\" id=\"t14_54\">44,011 </span><span class=\"SEB0 SB S2\" id=\"t15_54\">32,066 </span><span class=\"SEB1 SB S2\" id=\"t16_54\">44,122 </span><span class=\"SEB2 SA7 S2\" id=\"t17_54\">Over one year </span><span class=\"SEB3 SA7 S2\" id=\"t18_54\">With variable interest </span><span class=\"SEB4 SA7 S2\" id=\"t19_54\">9,535 </span><span class=\"SEB5 SA7 S2\" id=\"t1a_54\">1,544 </span><span class=\"SEB6 SA7 S2\" id=\"t1b_54\">With fixed interest </span><span class=\"SEB7 SA7 S2\" id=\"t1c_54\">62,011 </span><span class=\"SEB8 SA7 S2\" id=\"t1d_54\">54,976 </span><span class=\"SEB9 SB S2\" id=\"t1e_54\">71,546 </span><span class=\"SEBA SB S2\" id=\"t1f_54\">56,520 </span><span class=\"SEBB SA7 S2\" id=\"t1g_54\">Non-interest-bearing securities </span><span class=\"SEBC SA7 S2\" id=\"t1h_54\">1,138 </span><span class=\"SEBD SA7 S2\" id=\"t1i_54\">2,868 </span><span class=\"SEBE SB S2\" id=\"t1j_54\">Total </span><span class=\"SEBF SB S2\" id=\"t1k_54\">104,750 </span><span class=\"SEC0 SB S2\" id=\"t1l_54\">103,510 </span><span class=\"SEC1 SB S2\" id=\"t1m_54\">2022 </span><span class=\"SEC2 SB S2\" id=\"t1n_54\">2021 </span><span class=\"SEC3 SA7 S2\" id=\"t1o_54\">Profit from associates from shares measured </span><span class=\"SEC4 SA7 S2\" id=\"t1p_54\">at fair value through profit or loss </span><span class=\"SEC5 SA7 S2\" id=\"t1q_54\">12,216 </span><span class=\"SEC6 SA7 S2\" id=\"t1r_54\">3,893 </span><span class=\"SEC7 SA7 S2\" id=\"t1s_54\">An analysis of </span><span class=\"SEC8 SB S2\" id=\"t1t_54\">non-trading securities </span><span class=\"SEC9 SA7 S2\" id=\"t1u_54\">mandatorily measured at fair value through profit or loss portfolio by </span><span class=\"SECA SA7 S2\" id=\"t1v_54\">currency (%): </span><span class=\"SECB SB S2\" id=\"t1w_54\">2022 </span><span class=\"SECC SB S2\" id=\"t1x_54\">2021 </span><span class=\"SECD SA7 S2\" id=\"t1y_54\">Denominated in HUF </span><span class=\"SECE SA7 S2\" id=\"t1z_54\">60.69% </span><span class=\"SECF SA7 S2\" id=\"t20_54\">57.11% </span><span class=\"SED0 SA7 S2\" id=\"t21_54\">Denominated in foreign currency </span><span class=\"SED1 SA7 S2\" id=\"t22_54\">39.31% </span><span class=\"SED2 SA7 S2\" id=\"t23_54\">42.89% </span><span class=\"SED3 SB S2\" id=\"t24_54\">Total </span><span class=\"SED4 SB S2\" id=\"t25_54\">100.00% </span><span class=\"SED5 SB S2\" id=\"t26_54\">100.00% </span><span class=\"SED6 SB S2\" id=\"t27_54\">2022 </span><span class=\"SED7 SB S2\" id=\"t28_54\">2021 </span><span class=\"SED8 SA7 S2\" id=\"t29_54\">Interest rates on non-trading securities mandatorily </span><span class=\"SED9 SA7 S2\" id=\"t2a_54\">measured at fair value through profit or loss </span><span class=\"SEDA SA7 S2\" id=\"t2b_54\">0.00% - 0.00% </span><span class=\"SEDB SA7 S2\" id=\"t2c_54\">0.00% - 0.00% </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5203": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_53\">NOTE 8: </span><span class=\"S6B1 SB S2\" id=\"t4_53\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_53\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_53\">2021 </span><span class=\"SE30 SB S2\" id=\"t7_53\">Securities held for trading </span><span class=\"SE31 SA7 S2\" id=\"t8_53\">Government bonds </span><span class=\"SE32 SA7 S2\" id=\"t9_53\">78,897 </span><span class=\"SE33 SA7 S2\" id=\"ta_53\">97,531 </span><span class=\"SE34 SA7 S2\" id=\"tb_53\">Equity instruments and fund units </span><span class=\"SE35 SA7 S2\" id=\"tc_53\">385 </span><span class=\"SE36 SA7 S2\" id=\"td_53\">1,173 </span><span class=\"SE37 SA7 S2\" id=\"te_53\">Corporate bonds </span><span class=\"SE38 SA7 S2\" id=\"tf_53\">119 </span><span class=\"SE39 SA7 S2\" id=\"tg_53\">740 </span><span class=\"SE3A SA7 S2\" id=\"th_53\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"ti_53\">22,896 </span><span class=\"SE3C SA7 S2\" id=\"tj_53\">923 </span><span class=\"SE3D SA7 S2\" id=\"tk_53\">Mortgage bonds </span><span class=\"SE3E SA7 S2\" id=\"tl_53\">72 </span><span class=\"SE3F SA7 S2\" id=\"tm_53\">101 </span><span class=\"SDC9 SA7 S2\" id=\"tn_53\">Other interest-bearing securities </span><span class=\"SE40 SA7 S2\" id=\"to_53\">1,628 </span><span class=\"SE41 SA7 S2\" id=\"tp_53\">1,347 </span><span class=\"SE42 SA7 S2\" id=\"tq_53\">Other non-interest-bearing securities </span><span class=\"SE43 SA7 S2\" id=\"tr_53\">753 </span><span class=\"SE44 SA7 S2\" id=\"ts_53\">1,695 </span><span class=\"SE45 SB S2\" id=\"tt_53\">104,750 </span><span class=\"SE46 SB S2\" id=\"tu_53\">103,510 </span><span class=\"SE47 SB S2\" id=\"tv_53\">Non-trading securities mandatorily at </span><span class=\"SE48 SB S2\" id=\"tw_53\">fair value through profit or loss </span><span class=\"SE49 SA7 S2\" id=\"tx_53\">Equity instruments, shares and open-ended fund units </span><span class=\"SE4A SA7 S2\" id=\"ty_53\">49,746 </span><span class=\"SE4B SA7 S2\" id=\"tz_53\">44,894 </span><span class=\"SE4C SA7 S2\" id=\"t10_53\">Bonds </span><span class=\"SE4D SA7 S2\" id=\"t11_53\">5,409 </span><span class=\"SE4E SA7 S2\" id=\"t12_53\">8,509 </span><span class=\"SE4F SB S2\" id=\"t13_53\">55,155 </span><span class=\"SE50 SB S2\" id=\"t14_53\">53,403 </span><span class=\"SE51 SB S2\" id=\"t15_53\">Debt securities designated at </span><span class=\"SE52 SB S2\" id=\"t16_53\">fair value through profit or loss </span><span class=\"SE53 SB S2\" id=\"t17_53\">- </span><span class=\"SE54 SB S2\" id=\"t18_53\">- </span><span class=\"SE55 SB S2\" id=\"t19_53\">Total </span><span class=\"SE56 SB S2\" id=\"t1a_53\">159,905 </span><span class=\"SE57 SB S2\" id=\"t1b_53\">156,913 </span><span class=\"SE58 SB S2\" id=\"t1c_53\">Positive fair value of derivative financial assets held for trading </span><span class=\"SE59 SB S2\" id=\"t1d_53\">2022 </span><span class=\"SE5A SB S2\" id=\"t1e_53\">2021 </span><span class=\"S6CB SA7 S2\" id=\"t1f_53\">Foreign exchange swaps held for trading </span><span class=\"SE5B SA7 S2\" id=\"t1g_53\">79,395 </span><span class=\"SE5C SA7 S2\" id=\"t1h_53\">38,728 </span><span class=\"SE5D SA7 S2\" id=\"t1i_53\">Interest rate swaps held for trading </span><span class=\"SE5E SA7 S2\" id=\"t1j_53\">127,230 </span><span class=\"SE5F SA7 S2\" id=\"t1k_53\">59,504 </span><span class=\"SE60 SA7 S2\" id=\"t1l_53\">Commodity swaps </span><span class=\"SE61 SA7 S2\" id=\"t1m_53\">33,693 </span><span class=\"SE62 SA7 S2\" id=\"t1n_53\">51,523 </span><span class=\"SE63 SA7 S2\" id=\"t1o_53\">CCIRS and mark-to-market CCIRS </span><span class=\"SE64 SA7 S2\" id=\"t1p_53\">held-for-trading </span><span class=\"SE65 SE8B S2\" id=\"t1q_53\">1 </span><span class=\"SE66 SA7 S2\" id=\"t1r_53\">20,512 </span><span class=\"SE67 SA7 S2\" id=\"t1s_53\">11,758 </span><span class=\"SE68 SA7 S2\" id=\"t1t_53\">Foreign exchange forward contracts held for trading </span><span class=\"SE69 SA7 S2\" id=\"t1u_53\">13,085 </span><span class=\"SE6A SA7 S2\" id=\"t1v_53\">10,790 </span><span class=\"SE6B SA7 S2\" id=\"t1w_53\">Held-for-trading option contracts </span><span class=\"SE6C SA7 S2\" id=\"t1x_53\">2,122 </span><span class=\"SE6D SA7 S2\" id=\"t1y_53\">1,285 </span><span class=\"SE6E SA7 S2\" id=\"t1z_53\">Held-for-trading forward security agreement </span><span class=\"SE6F SA7 S2\" id=\"t20_53\">13 </span><span class=\"SE70 SA7 S2\" id=\"t21_53\">- </span><span class=\"SE71 SA7 S2\" id=\"t22_53\">Other derivative transactions held for trading </span><span class=\"SE72 SE8B S2\" id=\"t23_53\">2 </span><span class=\"SE73 SA7 S2\" id=\"t24_53\">432 </span><span class=\"SE74 SA7 S2\" id=\"t25_53\">10,896 </span><span class=\"SE75 SB S2\" id=\"t26_53\">Total </span><span class=\"SE76 SB S2\" id=\"t27_53\">276,482 </span><span class=\"SE77 SB S2\" id=\"t28_53\">184,484 </span><span class=\"SE78 SB S2\" id=\"t29_53\">Total </span><span class=\"SE79 SB S2\" id=\"t2a_53\">436,387 </span><span class=\"SE7A SB S2\" id=\"t2b_53\">341,397 </span><span class=\"SE7B S482 S2\" id=\"t2c_53\">1 </span><span class=\"SE7C S483 S2\" id=\"t2d_53\">CCIRS: Cross Currency Interest Rate Swaps (See Note 2.6.3.) </span><span class=\"SE7D S482 S2\" id=\"t2e_53\">2 </span><span class=\"SE7E S483 S2\" id=\"t2f_53\">Other category includes: fx spot, equity swaps, option and index futures. </span><span class=\"SE7F SA7 S2\" id=\"t2g_53\">An analysis of securities held for trading portfolio by currency (%): </span><span class=\"SE80 SB S2\" id=\"t2h_53\">2022 </span><span class=\"SE81 SB S2\" id=\"t2i_53\">2021 </span><span class=\"SE82 SA7 S2\" id=\"t2j_53\">Denominated in HUF </span><span class=\"SE83 SA7 S2\" id=\"t2k_53\">81.47% </span><span class=\"SE84 SA7 S2\" id=\"t2l_53\">30.46% </span><span class=\"SE85 SA7 S2\" id=\"t2m_53\">Denominated in foreign currency </span><span class=\"SE86 SA7 S2\" id=\"t2n_53\">18.53% </span><span class=\"SE87 SA7 S2\" id=\"t2o_53\">69.54% </span><span class=\"SE88 SB S2\" id=\"t2p_53\">Total </span><span class=\"SE89 SB S2\" id=\"t2q_53\">100.0% </span><span class=\"SE8A SB S2\" id=\"t2r_53\">100.0% </span><span class=\"S583 SB S2\" id=\"t3_54\">NOTE 8: </span><span class=\"SE8C SB S2\" id=\"t4_54\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_54\">[continued] </span><span class=\"SE8D SA7 S2\" id=\"t6_54\">An analysis of government bond portfolio by currency (%): </span><span class=\"SE8E SB S2\" id=\"t7_54\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_54\">2021 </span><span class=\"SE90 SA7 S2\" id=\"t9_54\">Denominated in HUF </span><span class=\"SE91 SA7 S2\" id=\"ta_54\">78.42% </span><span class=\"SE92 SA7 S2\" id=\"tb_54\">28.31% </span><span class=\"SE93 SA7 S2\" id=\"tc_54\">Denominated in foreign currency </span><span class=\"SE94 SA7 S2\" id=\"td_54\">21.58% </span><span class=\"SE95 SA7 S2\" id=\"te_54\">71.69% </span><span class=\"SE96 SB S2\" id=\"tf_54\">Total </span><span class=\"SE97 SB S2\" id=\"tg_54\">100.00% </span><span class=\"SE98 SB S2\" id=\"th_54\">100.00% </span><span class=\"SE99 SA7 S2\" id=\"ti_54\">Interest conditions of held for trading securities (%): </span><span class=\"SE9A SB S2\" id=\"tj_54\">2022 </span><span class=\"SE9B SB S2\" id=\"tk_54\">2021 </span><span class=\"SE9C SA7 S2\" id=\"tl_54\">Interest rates on securities held for trading </span><span class=\"SE9D SA7 S2\" id=\"tm_54\">denominated in HUF </span><span class=\"SE9E SA7 S2\" id=\"tn_54\">0.00% - 16.69% </span><span class=\"SE9F SA7 S2\" id=\"to_54\">0.00% - 6.75% </span><span class=\"SEA0 SA7 S2\" id=\"tp_54\">Interest rates on securities held for trading </span><span class=\"SEA1 SA7 S2\" id=\"tq_54\">denominated in foreign currency </span><span class=\"SEA2 SA7 S2\" id=\"tr_54\">0.00% - 7.63% </span><span class=\"SEA3 SA7 S2\" id=\"ts_54\">0.00% - 9.57% </span><span class=\"SEA4 SA7 S2\" id=\"tt_54\">Interest conditions and the remaining maturities of </span><span class=\"SEA5 SB S2\" id=\"tu_54\">securities held for trading </span><span class=\"SEA6 SA7 S2\" id=\"tv_54\">can be analysed as follows: </span><span class=\"SEA7 SB S2\" id=\"tw_54\">2022 </span><span class=\"SEA8 SB S2\" id=\"tx_54\">2021 </span><span class=\"SEA9 SA7 S2\" id=\"ty_54\">Within one year </span><span class=\"SEAA SA7 S2\" id=\"tz_54\">With variable interest </span><span class=\"SEAB SA7 S2\" id=\"t10_54\">3,041 </span><span class=\"SEAC SA7 S2\" id=\"t11_54\">111 </span><span class=\"SEAD SA7 S2\" id=\"t12_54\">With fixed interest </span><span class=\"SEAE SA7 S2\" id=\"t13_54\">29,025 </span><span class=\"SEAF SA7 S2\" id=\"t14_54\">44,011 </span><span class=\"SEB0 SB S2\" id=\"t15_54\">32,066 </span><span class=\"SEB1 SB S2\" id=\"t16_54\">44,122 </span><span class=\"SEB2 SA7 S2\" id=\"t17_54\">Over one year </span><span class=\"SEB3 SA7 S2\" id=\"t18_54\">With variable interest </span><span class=\"SEB4 SA7 S2\" id=\"t19_54\">9,535 </span><span class=\"SEB5 SA7 S2\" id=\"t1a_54\">1,544 </span><span class=\"SEB6 SA7 S2\" id=\"t1b_54\">With fixed interest </span><span class=\"SEB7 SA7 S2\" id=\"t1c_54\">62,011 </span><span class=\"SEB8 SA7 S2\" id=\"t1d_54\">54,976 </span><span class=\"SEB9 SB S2\" id=\"t1e_54\">71,546 </span><span class=\"SEBA SB S2\" id=\"t1f_54\">56,520 </span><span class=\"SEBB SA7 S2\" id=\"t1g_54\">Non-interest-bearing securities </span><span class=\"SEBC SA7 S2\" id=\"t1h_54\">1,138 </span><span class=\"SEBD SA7 S2\" id=\"t1i_54\">2,868 </span><span class=\"SEBE SB S2\" id=\"t1j_54\">Total </span><span class=\"SEBF SB S2\" id=\"t1k_54\">104,750 </span><span class=\"SEC0 SB S2\" id=\"t1l_54\">103,510 </span><span class=\"SEC1 SB S2\" id=\"t1m_54\">2022 </span><span class=\"SEC2 SB S2\" id=\"t1n_54\">2021 </span><span class=\"SEC3 SA7 S2\" id=\"t1o_54\">Profit from associates from shares measured </span><span class=\"SEC4 SA7 S2\" id=\"t1p_54\">at fair value through profit or loss </span><span class=\"SEC5 SA7 S2\" id=\"t1q_54\">12,216 </span><span class=\"SEC6 SA7 S2\" id=\"t1r_54\">3,893 </span><span class=\"SEC7 SA7 S2\" id=\"t1s_54\">An analysis of </span><span class=\"SEC8 SB S2\" id=\"t1t_54\">non-trading securities </span><span class=\"SEC9 SA7 S2\" id=\"t1u_54\">mandatorily measured at fair value through profit or loss portfolio by </span><span class=\"SECA SA7 S2\" id=\"t1v_54\">currency (%): </span><span class=\"SECB SB S2\" id=\"t1w_54\">2022 </span><span class=\"SECC SB S2\" id=\"t1x_54\">2021 </span><span class=\"SECD SA7 S2\" id=\"t1y_54\">Denominated in HUF </span><span class=\"SECE SA7 S2\" id=\"t1z_54\">60.69% </span><span class=\"SECF SA7 S2\" id=\"t20_54\">57.11% </span><span class=\"SED0 SA7 S2\" id=\"t21_54\">Denominated in foreign currency </span><span class=\"SED1 SA7 S2\" id=\"t22_54\">39.31% </span><span class=\"SED2 SA7 S2\" id=\"t23_54\">42.89% </span><span class=\"SED3 SB S2\" id=\"t24_54\">Total </span><span class=\"SED4 SB S2\" id=\"t25_54\">100.00% </span><span class=\"SED5 SB S2\" id=\"t26_54\">100.00% </span><span class=\"SED6 SB S2\" id=\"t27_54\">2022 </span><span class=\"SED7 SB S2\" id=\"t28_54\">2021 </span><span class=\"SED8 SA7 S2\" id=\"t29_54\">Interest rates on non-trading securities mandatorily </span><span class=\"SED9 SA7 S2\" id=\"t2a_54\">measured at fair value through profit or loss </span><span class=\"SEDA SA7 S2\" id=\"t2b_54\">0.00% - 0.00% </span><span class=\"SEDB SA7 S2\" id=\"t2c_54\">0.00% - 0.00% </span><span class=\"SEDC SB S2\" id=\"t3_55\">NOTE 9: </span><span class=\"SEDD SB S2\" id=\"t4_55\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME (in </span><span class=\"SEDE SB S2\" id=\"t5_55\">HUF mn) </span><span class=\"SEDF SB S2\" id=\"t6_55\">2022 </span><span class=\"SEE0 SB S2\" id=\"t7_55\">2021 </span><span class=\"SEE1 SB S2\" id=\"t8_55\">Securities at fair value through other </span><span class=\"SEE2 SB S2\" id=\"t9_55\">comprehensive income </span><span class=\"SEE3 SA7 S2\" id=\"ta_55\">Government bonds </span><span class=\"SEE4 SA7 S2\" id=\"tb_55\">1,301,179 </span><span class=\"SEE5 SA7 S2\" id=\"tc_55\">1,765,172 </span><span class=\"SEE6 SA7 S2\" id=\"td_55\">Corporate bonds </span><span class=\"SE3B SA7 S2\" id=\"te_55\">82,651 </span><span class=\"SEE7 SA7 S2\" id=\"tf_55\">88,519 </span><span class=\"SEE8 SA7 S2\" id=\"tg_55\">Listed securities: </span><span class=\"SEE9 SF33 S2\" id=\"th_55\">In HUF </span><span class=\"SEEA SF33 S2\" id=\"ti_55\">- </span><span class=\"SEEB SF33 S2\" id=\"tj_55\">2,896 </span><span class=\"SEEC SF33 S2\" id=\"tk_55\">In foreign currency </span><span class=\"SEED SF33 S2\" id=\"tl_55\">13,626 </span><span class=\"SEEE SF33 S2\" id=\"tm_55\">51,882 </span><span class=\"SEEF SB S2\" id=\"tn_55\">13,626 </span><span class=\"SEF0 SB S2\" id=\"to_55\">54,778 </span><span class=\"SEF1 SA7 S2\" id=\"tp_55\">Non-listed securities: </span><span class=\"SEF2 SF33 S2\" id=\"tq_55\">In HUF </span><span class=\"SEF3 SF33 S2\" id=\"tr_55\">14,304 </span><span class=\"SEF4 SF33 S2\" id=\"ts_55\">15,487 </span><span class=\"SEF5 SF33 S2\" id=\"tt_55\">In foreign currency </span><span class=\"SEF6 SF33 S2\" id=\"tu_55\">54,721 </span><span class=\"SEF7 SF33 S2\" id=\"tv_55\">18,254 </span><span class=\"SEF8 SB S2\" id=\"tw_55\">69,025 </span><span class=\"SEF9 SB S2\" id=\"tx_55\">33,741 </span><span class=\"SEFA SA7 S2\" id=\"ty_55\">Mortgage bonds </span><span class=\"SEFB SA7 S2\" id=\"tz_55\">54,553 </span><span class=\"SEFC SA7 S2\" id=\"t10_55\">63,072 </span><span class=\"SEFD SA7 S2\" id=\"t11_55\">Discounted Treasury bills </span><span class=\"SEFE SA7 S2\" id=\"t12_55\">- </span><span class=\"SEFF SA7 S2\" id=\"t13_55\">96,625 </span><span class=\"SF00 SA7 S2\" id=\"t14_55\">Interest bearing treasury bills </span><span class=\"SF01 SA7 S2\" id=\"t15_55\">182,726 </span><span class=\"SF02 SA7 S2\" id=\"t16_55\">63,115 </span><span class=\"SF03 SA7 S2\" id=\"t17_55\">Securities issued by the National Bank of Hungary </span><span class=\"SF04 SA7 S2\" id=\"t18_55\">74,867 </span><span class=\"SF05 SA7 S2\" id=\"t19_55\">109,774 </span><span class=\"SF06 SA7 S2\" id=\"t1a_55\">Other securities </span><span class=\"SF07 SA7 S2\" id=\"t1b_55\">3,470 </span><span class=\"SF08 SA7 S2\" id=\"t1c_55\">3,257 </span><span class=\"SF09 SB S2\" id=\"t1d_55\">Total </span><span class=\"SF0A SB S2\" id=\"t1e_55\">1,699,446 </span><span class=\"SF0B SB S2\" id=\"t1f_55\">2,189,534 </span><span class=\"SF0C SB S2\" id=\"t1g_55\">2022 </span><span class=\"SF0D SB S2\" id=\"t1h_55\">2021 </span><span class=\"SF0E SB S2\" id=\"t1i_55\">Non-trading equity instruments to be measured </span><span class=\"SF0F SB S2\" id=\"t1j_55\">at fair value through other comprehensive income </span><span class=\"SF10 SA7 S2\" id=\"t1k_55\">Listed securities: </span><span class=\"SF11 SF33 S2\" id=\"t1l_55\">In HUF </span><span class=\"SF12 SF33 S2\" id=\"t1m_55\">- </span><span class=\"SF13 SF33 S2\" id=\"t1n_55\">- </span><span class=\"SF14 SF33 S2\" id=\"t1o_55\">In foreign currency </span><span class=\"SF15 SF33 S2\" id=\"t1p_55\">11,233 </span><span class=\"SF16 SF33 S2\" id=\"t1q_55\">8,416 </span><span class=\"SF17 SB S2\" id=\"t1r_55\">11,233 </span><span class=\"SF18 SB S2\" id=\"t1s_55\">8,416 </span><span class=\"SF19 SA7 S2\" id=\"t1t_55\">Non-listed securities: </span><span class=\"SF1A SF33 S2\" id=\"t1u_55\">In HUF </span><span class=\"SF1B SF33 S2\" id=\"t1v_55\">403 </span><span class=\"SF1C SF33 S2\" id=\"t1w_55\">403 </span><span class=\"SF1D SF33 S2\" id=\"t1x_55\">In foreign currency </span><span class=\"SF1E SF33 S2\" id=\"t1y_55\">28,521 </span><span class=\"SF1F SF33 S2\" id=\"t1z_55\">26,157 </span><span class=\"SF20 SB S2\" id=\"t20_55\">28,924 </span><span class=\"SF21 SB S2\" id=\"t21_55\">26,560 </span><span class=\"SF22 SB S2\" id=\"t22_55\">40,157 </span><span class=\"SF23 SB S2\" id=\"t23_55\">34,976 </span><span class=\"SF24 SB S2\" id=\"t24_55\">Total </span><span class=\"SF25 SB S2\" id=\"t25_55\">1,739,603 </span><span class=\"SF26 SB S2\" id=\"t26_55\">2,224,510 </span><span class=\"SF27 SA7 S2\" id=\"t27_55\">An analysis of securities at fair value through other comprehensive income by currency (%): </span><span class=\"SF28 SB S2\" id=\"t28_55\">2022 </span><span class=\"SF29 SB S2\" id=\"t29_55\">2021 </span><span class=\"SF2A SA7 S2\" id=\"t2a_55\">Denominated in HUF </span><span class=\"SF2B SA7 S2\" id=\"t2b_55\">36.47% </span><span class=\"SF2C SA7 S2\" id=\"t2c_55\">32.74% </span><span class=\"SF2D SA7 S2\" id=\"t2d_55\">Denominated in foreign currency </span><span class=\"SF2E SA7 S2\" id=\"t2e_55\">63.53% </span><span class=\"SF2F SA7 S2\" id=\"t2f_55\">67.26% </span><span class=\"SF30 SB S2\" id=\"t2g_55\">Total </span><span class=\"SF31 SB S2\" id=\"t2h_55\">100.00% </span><span class=\"SF32 SB S2\" id=\"t2i_55\">100.00% </span><span class=\"S583 SB S2\" id=\"t3_56\">NOTE 9: </span><span class=\"SF34 SB S2\" id=\"t4_56\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME </span><span class=\"SF35 SB S2\" id=\"t5_56\">(in HUF mn) [continued] </span><span class=\"SF36 SA7 S2\" id=\"t6_56\">Detailed information of the non-trading equity instruments to be measured at fair value through other </span><span class=\"SF37 SA7 S2\" id=\"t7_56\">comprehensive income: </span><span class=\"SF38 SB S2\" id=\"t8_56\">2022 </span><span class=\"SF39 SB S2\" id=\"t9_56\">2021 </span><span class=\"SF3A SB S2\" id=\"ta_56\">Strategic investments closely related to banking actitvity </span><span class=\"SF3B SA7 S2\" id=\"tb_56\">Fair value </span><span class=\"SF3C SA7 S2\" id=\"tc_56\">31,873 </span><span class=\"SF3D SA7 S2\" id=\"td_56\">29,320 </span><span class=\"SF3E SA7 S2\" id=\"te_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF3F SA7 S2\" id=\"tf_56\">1,120 </span><span class=\"SF40 SA7 S2\" id=\"tg_56\">438 </span><span class=\"SF41 SA7 S2\" id=\"th_56\">Derecognition </span><span class=\"SF42 SA7 S2\" id=\"ti_56\">Fair value of derecognized equity instrument, fund units </span><span class=\"SF43 SA7 S2\" id=\"tj_56\">- </span><span class=\"SF44 SA7 S2\" id=\"tk_56\">65 </span><span class=\"SF45 SA7 S2\" id=\"tl_56\">Cumulative gain / loss on disposal </span><span class=\"SF46 SA7 S2\" id=\"tm_56\">transferred to retained earnings </span><span class=\"SF47 SA7 S2\" id=\"tn_56\">- </span><span class=\"SF48 SA7 S2\" id=\"to_56\">29 </span><span class=\"SF49 SB S2\" id=\"tp_56\">Other strategic investments </span><span class=\"SF4A SA7 S2\" id=\"tq_56\">Fair value </span><span class=\"SF4B SA7 S2\" id=\"tr_56\">8,284 </span><span class=\"SF4C SA7 S2\" id=\"ts_56\">5,656 </span><span class=\"SF4D SA7 S2\" id=\"tt_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF4E SA7 S2\" id=\"tu_56\">59 </span><span class=\"SF4F SA7 S2\" id=\"tv_56\">29 </span><span class=\"SF50 SA7 S2\" id=\"tw_56\">Derecognition </span><span class=\"SF51 SA7 S2\" id=\"tx_56\">Cumulative gain / loss on disposal </span><span class=\"SF52 SA7 S2\" id=\"ty_56\">transferred to retained earnings </span><span class=\"SF53 SA7 S2\" id=\"tz_56\">- </span><span class=\"SF54 SA7 S2\" id=\"t10_56\">196 </span><span class=\"SF55 SB S2\" id=\"t11_56\">Total </span><span class=\"SF56 SB S2\" id=\"t12_56\">Total fair values </span><span class=\"SF57 SB S2\" id=\"t13_56\">40,157 </span><span class=\"SF58 SB S2\" id=\"t14_56\">34,976 </span><span class=\"SF59 SB S2\" id=\"t15_56\">Dividend income from instruments held at the reporting date </span><span class=\"SF5A SB S2\" id=\"t16_56\">1,179 </span><span class=\"SF5B SB S2\" id=\"t17_56\">467 </span><span class=\"SF5C SB S2\" id=\"t18_56\">Fair value of derecognized equity instrument, fund units </span><span class=\"SF5D SB S2\" id=\"t19_56\">- </span><span class=\"SF5E SB S2\" id=\"t1a_56\">65 </span><span class=\"SF5F SB S2\" id=\"t1b_56\">Cumulative gain / loss on disposal </span><span class=\"SF60 SB S2\" id=\"t1c_56\">transferred to retained earnings </span><span class=\"SF61 SB S2\" id=\"t1d_56\">- </span><span class=\"SF62 SB S2\" id=\"t1e_56\">225 </span><span class=\"SF63 S5B9 S2\" id=\"t1f_56\">During the year ended 31 December 2022 there wasn\u2019t any sale transaction regarding equity instruments </span><span class=\"SF64 SA7 S2\" id=\"t1g_56\">designated to measure at fair value through other comprehensive income in the Group while during the year ended </span><span class=\"SF65 SA7 S2\" id=\"t1h_56\">31 December 2021 the Group sold HUF 65 million equity instruments designated to measure at fair value through </span><span class=\"SF66 SA7 S2\" id=\"t1i_56\">other comprehensive income </span><span class=\"SF67 SA7 S2\" id=\"t1j_56\">An analysis of government bonds by currency (%): </span><span class=\"SF68 SB S2\" id=\"t1k_56\">2022 </span><span class=\"SF69 SB S2\" id=\"t1l_56\">2021 </span><span class=\"SF6A SA7 S2\" id=\"t1m_56\">Denominated in HUF </span><span class=\"SF6B SA7 S2\" id=\"t1n_56\">23.64% </span><span class=\"SF6C SA7 S2\" id=\"t1o_56\">24.29% </span><span class=\"SF6D SA7 S2\" id=\"t1p_56\">Denominated in foreign currency </span><span class=\"SF6E SA7 S2\" id=\"t1q_56\">76.36% </span><span class=\"SF6F SA7 S2\" id=\"t1r_56\">75.71% </span><span class=\"SF70 SB S2\" id=\"t1s_56\">Total </span><span class=\"SF71 SB S2\" id=\"t1t_56\">100.00% </span><span class=\"SF72 SB S2\" id=\"t1u_56\">100.00% </span><span class=\"SF73 SA7 S2\" id=\"t1v_56\">Interest conditions of the security portfolio at fair value through other comprehensive income are as follows (%): </span><span class=\"SF74 SB S2\" id=\"t1w_56\">2022 </span><span class=\"SF75 SB S2\" id=\"t1x_56\">2021 </span><span class=\"SF76 SA7 S2\" id=\"t1y_56\">Interest rates on securities at fair value through </span><span class=\"SF77 SA7 S2\" id=\"t1z_56\">other comprehensive income denominated in HUF </span><span class=\"SF78 SA7 S2\" id=\"t20_56\">1.50% - 15.11% </span><span class=\"SF79 SA7 S2\" id=\"t21_56\">1.25% - 7.00% </span><span class=\"SF7A SA7 S2\" id=\"t22_56\">Interest rates on securities at fair value through </span><span class=\"SF7B SA7 S2\" id=\"t23_56\">other comprehensive income denominated </span><span class=\"SF7C SA7 S2\" id=\"t24_56\">in foreign currency </span><span class=\"SF7D SA7 S2\" id=\"t25_56\">0.00% - 18.24% </span><span class=\"SF7E SA7 S2\" id=\"t26_56\">0.00% - 17.25% </span><span class=\"SF7F SB S2\" id=\"t27_56\">2022 </span><span class=\"SF80 SB S2\" id=\"t28_56\">2021 </span><span class=\"SF81 SA7 S2\" id=\"t29_56\">Average interest rates securities at fair value through </span><span class=\"SF82 SA7 S2\" id=\"t2a_56\">other comprehensive income denominated in HUF (%) </span><span class=\"SF83 SA7 S2\" id=\"t2b_56\">3.31% </span><span class=\"SF84 SA7 S2\" id=\"t2c_56\">2.00% </span><span class=\"SF85 SA7 S2\" id=\"t2d_56\">Average interest rates on securities at fair value </span><span class=\"SF86 SA7 S2\" id=\"t2e_56\">through other comprehensive income denominated </span><span class=\"SF87 SA7 S2\" id=\"t2f_56\">in foreign currency (%) </span><span class=\"SF88 SA7 S2\" id=\"t2g_56\">2.55% </span><span class=\"SF89 SA7 S2\" id=\"t2h_56\">2.51% </span><span class=\"S583 SB S2\" id=\"t3_57\">NOTE 9: </span><span class=\"SF34 SB S2\" id=\"t4_57\">SECURITIES AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME </span><span class=\"SF35 SB S2\" id=\"t5_57\">(in HUF mn) [continued] </span><span class=\"SF8A SA7 S2\" id=\"t6_57\">Interest conditions and the remaining maturities of securities at fair value through other comprehensive income </span><span class=\"SF8B SA7 S2\" id=\"t7_57\">can be analysed as follows: </span><span class=\"SF38 SB S2\" id=\"t8_57\">2022 </span><span class=\"SF39 SB S2\" id=\"t9_57\">2021 </span><span class=\"SF8C SA7 S2\" id=\"ta_57\">Within one year </span><span class=\"SF8D SA7 S2\" id=\"tb_57\">With variable interest </span><span class=\"SF3C SA7 S2\" id=\"tc_57\">15,124 </span><span class=\"SF8E SA7 S2\" id=\"td_57\">1,091 </span><span class=\"SF8F SA7 S2\" id=\"te_57\">With fixed interest </span><span class=\"SF90 SA7 S2\" id=\"tf_57\">507,888 </span><span class=\"SF91 SA7 S2\" id=\"tg_57\">522,939 </span><span class=\"SF92 SB S2\" id=\"th_57\">523,012 </span><span class=\"SF93 SB S2\" id=\"ti_57\">524,030 </span><span class=\"SF94 SA7 S2\" id=\"tj_57\">Over one year </span><span class=\"SF95 SA7 S2\" id=\"tk_57\">With variable interest </span><span class=\"SF96 SA7 S2\" id=\"tl_57\">28,523 </span><span class=\"SF97 SA7 S2\" id=\"tm_57\">51,211 </span><span class=\"SF98 SA7 S2\" id=\"tn_57\">With fixed interest </span><span class=\"SF99 SA7 S2\" id=\"to_57\">1,147,911 </span><span class=\"SF9A SA7 S2\" id=\"tp_57\">1,614,293 </span><span class=\"SF9B SB S2\" id=\"tq_57\">1,176,434 </span><span class=\"SF9C SB S2\" id=\"tr_57\">1,665,504 </span><span class=\"SF9D SA7 S2\" id=\"ts_57\">Non-interest-bearing securities </span><span class=\"SF9E SA7 S2\" id=\"tt_57\">40,157 </span><span class=\"SF9F SA7 S2\" id=\"tu_57\">34,976 </span><span class=\"SFA0 SB S2\" id=\"tv_57\">Total </span><span class=\"SFA1 SB S2\" id=\"tw_57\">1,739,603 </span><span class=\"SFA2 SB S2\" id=\"tx_57\">2,224,510 </span><span class=\"SFA3 SA7 S2\" id=\"ty_57\">Certain securities are hedged against interest rate risk. See Note 37.4. </span><span class=\"SFA4 SB S2\" id=\"t3_64\">NOTE 13: </span><span class=\"S10EA SB S2\" id=\"t4_64\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) </span><span class=\"S10EB SA7 S2\" id=\"t5_64\">There are different kinds of tangible and intangible assets held by the Group. In the followings there are presented </span><span class=\"S10EC SA7 S2\" id=\"t6_64\">reasons of the changes from opening values to closing ones in the gross values, the accumulated depreciation and </span><span class=\"S10ED SA7 S2\" id=\"t7_64\">amortization and in the impairment of the tangible and intangible assets in the Group. Here can be found </span><span class=\"S10EE SA7 S2\" id=\"t8_64\">information about the fair values of the tangible assets and gross amounts of those assets which were fully </span><span class=\"S8F2 SA7 S2\" id=\"t9_64\">depreciated but which are still in use. </span><span class=\"S10EF SA7 S2\" id=\"ta_64\">Carrying amount of the temporarily idle properties was HUF 3,466 million and HUF 3,057 million as at 31 </span><span class=\"S10F0 SA7 S2\" id=\"tb_64\">December 2022 and 31 December 2021, respectively. </span><span class=\"S10F1 SA7 S2\" id=\"tc_64\">There were no restrictions on title and properties, plants or equipment pledged as security for liabilities as at 31 </span><span class=\"S10F2 SA7 S2\" id=\"td_64\">December 2022 and 2021. </span><span class=\"S10F3 SA7 S2\" id=\"te_64\">As at 31 December 2022 and 2021 the amount of contractual commitments for the acquisition of tangible and </span><span class=\"S5C4 SA7 S2\" id=\"tf_64\">intangible assets was HUF 21,116 million and HUF 1,595 million, respectively. </span><span class=\"S10F4 SA7 S2\" id=\"tg_64\">Impairment for the properties in the current period was needed as a result of the valuation performed by using the </span><span class=\"S10F5 SA7 S2\" id=\"th_64\">comparative value method (market analogy method) with direct comparison to the market price of other similar </span><span class=\"S10F6 SA7 S2\" id=\"ti_64\">properties. Actual market transactions were used based on the 6-month period prior to the valuation date where </span><span class=\"S10F7 S5B9 S2\" id=\"tj_64\">the market price of the analogous property is adjusted by an expert coefficient for market adaptation (\u201cECMA\u201d). </span><span class=\"S10F8 SA7 S2\" id=\"tk_64\">Usually this range is from -25% to +25% and reflects the availability of sufficient market information for similar </span><span class=\"S10F9 SA7 S2\" id=\"tl_64\">items but at these properties ECMA exceeded this range where the circumstances were exceptional although by </span><span class=\"S10FA SA7 S2\" id=\"tm_64\">decision of the appraiser it was used only for unique properties with characteristics similar to the appraised ones, </span><span class=\"S6F5 SA7 S2\" id=\"tn_64\">for which no sufficient market analogues are available. The price was adjusted by coefficients reflecting the area, </span><span class=\"S10FB SA7 S2\" id=\"to_64\">location, size and structure of the property, as well as a weighing factor reflecting the weight of the selected market </span><span class=\"S10FC SA7 S2\" id=\"tp_64\">analogies in the determined fair value. </span><span class=\"S10FD SA7 S2\" id=\"tq_64\">The Bank decided that the recoverable amount of goodwill is determined based on fair value less cost of disposal. </span><span class=\"S10FE SA7 S2\" id=\"tr_64\">When the Bank prepares goodwill impairment tests of the subsidiaries, the two methods which are used based on </span><span class=\"S10FF SA7 S2\" id=\"ts_64\">discounted cash-flow calculation that shows the same result; however, they represent different economical logics. </span><span class=\"S1100 SA7 S2\" id=\"tt_64\">Based on the internal regulation of the Bank as at 31 December 2021 impairment test was prepared where a three- </span><span class=\"S1101 SA7 S2\" id=\"tu_64\">year cash-flow model was applied with an explicit period between 2022-2024. The basis for the estimation was </span><span class=\"S1102 SA7 S2\" id=\"tv_64\">the actual data of May 2022 and based on the prepared medium-term (2022-2024) forecasts. When the Bank </span><span class=\"S1103 SA7 S2\" id=\"tw_64\">prepared the calculations for the period 2022-2024, it considered the actual worldwide economic situations, the </span><span class=\"S1104 SA7 S2\" id=\"tx_64\">expected economic growth for the following years, their possible effects on the financial sector, the plans for </span><span class=\"S1105 SA7 S2\" id=\"ty_64\">growing which result from these, and the expected changes of the mentioned factors. </span><span class=\"SB35 SB S2\" id=\"tz_64\">Present value calculation with the Free Cash-Flow method </span><span class=\"S1106 SA7 S2\" id=\"t10_64\">The Bank calculated the expected cash-flow for the given period based on the expected after-tax profit of the </span><span class=\"S1107 SA7 S2\" id=\"t11_64\">companies. The calculation is highly sensitive to the level of discount rate and growth rate used. As discount factor </span><span class=\"S1108 SA7 S2\" id=\"t12_64\">the Bank uses a zero coupon yield curve derived by the Headquarter Asse-Liability Management department. This </span><span class=\"S1109 S5B9 S2\" id=\"t13_64\">zero coupon curve is estimated for each related countries, based on the countries\u2019 issued bonds and segmented by </span><span class=\"S110A S5B9 S2\" id=\"t14_64\">the issuances\u2019 currencies. By subsidiaries where </span><span class=\"S110B SA7 S2\" id=\"t15_64\">the yield curves were not available (Ukraine) the daily Overnight </span><span class=\"S110C SA7 S2\" id=\"t16_64\">deposit yield was used as a benchmark, provided by National Bank of Ukraine as currently the only available </span><span class=\"S110D SA7 S2\" id=\"t17_64\">proxy for the hryvnia rate. </span><span class=\"S110E SA7 S2\" id=\"t18_64\">The Bank calculated risk premiums on the basis of information from the country risk premiums that are published </span><span class=\"S110F SA7 S2\" id=\"t19_64\">by Aswath Damodaran </span><span class=\"S1110 S5B9 S2\" id=\"t1a_64\">\u2013 </span><span class=\"S1111 S5B9 S2\" id=\"t1b_64\">New York STERN University, according to the Bank\u2019s assumption the risk</span><span class=\"S1112 SA7 S2\" id=\"t1c_64\">-free interest </span><span class=\"S1113 SA7 S2\" id=\"t1d_64\">rate includes the country-dependent risks in an implicit way. </span><span class=\"S1114 SA7 S2\" id=\"t1e_64\">When the subsidiary owns subordinated debt, the discount rate is calculated as a weighted average of the expected </span><span class=\"S1115 S5B9 S2\" id=\"t1f_64\">return on equity presented previously and the subordinated debt\u2019s interest rate. At the end of the calculation, the </span><span class=\"S1116 SA7 S2\" id=\"t1g_64\">value of subordinated debt is being subtracted from t </span><span class=\"S1117 S5B9 S2\" id=\"t1h_64\">he valuations\u2019 result. </span><span class=\"S1118 SA7 S2\" id=\"t1i_64\">The growth rate in the explicit period is the growth rate of the profit after tax adjusted by the interest rate of the </span><span class=\"S1119 SA7 S2\" id=\"t1j_64\">cash and subordinated loans. The supposed growth rates for the periods of residual values reflect the long-term </span><span class=\"S111A SA7 S2\" id=\"t1k_64\">economic expectations in case of every country. </span><span class=\"S111B SA7 S2\" id=\"t1l_64\">The values of the subsidiaries in the FCF method were then calculated as the sum of the discounted cash-flows of </span><span class=\"S111C SA7 S2\" id=\"t1m_64\">the explicit period, the present value of the terminal values and the initial free capital assuming an effective capital </span><span class=\"S111D SA7 S2\" id=\"t1n_64\">structure. </span><span class=\"S111E SB S2\" id=\"t1o_64\">Summary of the impairment test for the year ended 31 December 2022 and 2021 </span><span class=\"S111F SA7 S2\" id=\"t1p_64\">Based on the valuations of the subsidiaries for the year ended 31 December 2022 67,715 million HUF goodwill </span><span class=\"S1120 SA7 S2\" id=\"t1q_64\">impairment was needed to be recorde</span><span class=\"S1121 S5B9 S2\" id=\"t1r_64\">d by the Group for JSC \u201cOTP Bank\u201d (Russia) while for the year ended 31 </span><span class=\"S1122 SA7 S2\" id=\"t1s_64\">December 2021 no goodwill impairment was needed to be recorded by the Group. </span><span class=\"S1123 SB S2\" id=\"t3_65\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_65\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1125 SB S2\" id=\"t5_65\">For the year ended 31 December 2022 </span><span class=\"S1126 SB S2\" id=\"t6_65\">Cost </span><span class=\"S1127 SB S2\" id=\"t7_65\">Intangible </span><span class=\"S1128 SB S2\" id=\"t8_65\">assets </span><span class=\"S1129 SB S2\" id=\"t9_65\">Goodwill </span><span class=\"S112A SB S2\" id=\"ta_65\">Property </span><span class=\"S112B SB S2\" id=\"tb_65\">Machinery and </span><span class=\"S112C SB S2\" id=\"tc_65\">office equipment </span><span class=\"S112D SB S2\" id=\"td_65\">Vehicle </span><span class=\"S112E SB S2\" id=\"te_65\">Construction in </span><span class=\"S112F SB S2\" id=\"tf_65\">progress </span><span class=\"S1130 SB S2\" id=\"tg_65\">Tangible assets subject </span><span class=\"S1131 SB S2\" id=\"th_65\">to operating lease </span><span class=\"S1132 SB S2\" id=\"ti_65\">Total </span><span class=\"S1133 SB S2\" id=\"tj_65\">Balance as at 1 January </span><span class=\"S1134 SB S2\" id=\"tk_65\">408,003 </span><span class=\"S1135 SB S2\" id=\"tl_65\">105,640 </span><span class=\"S1136 SB S2\" id=\"tm_65\">304,922 </span><span class=\"S1137 SB S2\" id=\"tn_65\">243,731 </span><span class=\"S1138 SB S2\" id=\"to_65\">41,252 </span><span class=\"S1139 SB S2\" id=\"tp_65\">67,657 </span><span class=\"S113A SB S2\" id=\"tq_65\">30,833 </span><span class=\"S113B SB S2\" id=\"tr_65\">1,202,038 </span><span class=\"S113C SA7 S2\" id=\"ts_65\">Increase due to acquisition </span><span class=\"S113D SA7 S2\" id=\"tt_65\">706 </span><span class=\"S113E SA7 S2\" id=\"tu_65\">478 </span><span class=\"S113F SA7 S2\" id=\"tv_65\">933 </span><span class=\"S1140 SA7 S2\" id=\"tw_65\">522 </span><span class=\"S1141 SA7 S2\" id=\"tx_65\">- </span><span class=\"S1142 SA7 S2\" id=\"ty_65\">- </span><span class=\"S1143 SA7 S2\" id=\"tz_65\">- </span><span class=\"S1144 SA7 S2\" id=\"t10_65\">2,639 </span><span class=\"S1145 SA7 S2\" id=\"t11_65\">Additions </span><span class=\"S1146 SA7 S2\" id=\"t12_65\">111,397 </span><span class=\"S1147 SA7 S2\" id=\"t13_65\">- </span><span class=\"S1148 SA7 S2\" id=\"t14_65\">66,034 </span><span class=\"S1149 SA7 S2\" id=\"t15_65\">29,709 </span><span class=\"S114A SA7 S2\" id=\"t16_65\">2,728 </span><span class=\"S114B SA7 S2\" id=\"t17_65\">79,638 </span><span class=\"S114C SA7 S2\" id=\"t18_65\">12,892 </span><span class=\"S114D SA7 S2\" id=\"t19_65\">302,398 </span><span class=\"S114E SA7 S2\" id=\"t1a_65\">Foreign currency </span><span class=\"S114F SA7 S2\" id=\"t1b_65\">translation differences </span><span class=\"S1150 SA7 S2\" id=\"t1c_65\">16,350 </span><span class=\"S1151 SA7 S2\" id=\"t1d_65\">3,067 </span><span class=\"S1152 SA7 S2\" id=\"t1e_65\">15,936 </span><span class=\"S1153 SA7 S2\" id=\"t1f_65\">10,951 </span><span class=\"S1154 SA7 S2\" id=\"t1g_65\">408 </span><span class=\"S1155 SA7 S2\" id=\"t1h_65\">316 </span><span class=\"S1156 SA7 S2\" id=\"t1i_65\">1,952 </span><span class=\"S1157 SA7 S2\" id=\"t1j_65\">48,980 </span><span class=\"S1158 SA7 S2\" id=\"t1k_65\">Disposals </span><span class=\"S1159 SA7 S2\" id=\"t1l_65\">(65,036) </span><span class=\"S115A SA7 S2\" id=\"t1m_65\">(12,060) </span><span class=\"S115B SA7 S2\" id=\"t1n_65\">(13,034) </span><span class=\"S115C SA7 S2\" id=\"t1o_65\">(1,100) </span><span class=\"S115D SA7 S2\" id=\"t1p_65\">(94,067) </span><span class=\"S115E SA7 S2\" id=\"t1q_65\">(14,471) </span><span class=\"S115F SA7 S2\" id=\"t1r_65\">(199,768) </span><span class=\"SAF7 SB S2\" id=\"t1s_65\">Closing balance </span><span class=\"S1160 SB S2\" id=\"t1t_65\">471,420 </span><span class=\"S1161 SB S2\" id=\"t1u_65\">109,185 </span><span class=\"S1162 SB S2\" id=\"t1v_65\">375,765 </span><span class=\"S1163 SB S2\" id=\"t1w_65\">271,879 </span><span class=\"S1164 SB S2\" id=\"t1x_65\">43,288 </span><span class=\"S1165 SB S2\" id=\"t1y_65\">53,544 </span><span class=\"S1166 SB S2\" id=\"t1z_65\">31,206 </span><span class=\"S1167 SB S2\" id=\"t20_65\">1,356,287 </span><span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1123 SB S2\" id=\"t3_66\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_66\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1196 SB S2\" id=\"t5_66\">For the year ended 31 December 2022 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_66\">Impairment </span><span class=\"S1198 SB S2\" id=\"t7_66\">Intangible </span><span class=\"S1199 SB S2\" id=\"t8_66\">assets </span><span class=\"S119A SB S2\" id=\"t9_66\">Goodwill </span><span class=\"S119B SB S2\" id=\"ta_66\">Property </span><span class=\"S119C SB S2\" id=\"tb_66\">Machinery and </span><span class=\"S119D SB S2\" id=\"tc_66\">office equipment </span><span class=\"S119E SB S2\" id=\"td_66\">Tangible assets subject </span><span class=\"S119F SB S2\" id=\"te_66\">to operating lease </span><span class=\"S11A0 SB S2\" id=\"tf_66\">Total </span><span class=\"S11A1 SB S2\" id=\"tg_66\">Balance as at 1 January </span><span class=\"S11A2 SB S2\" id=\"th_66\">2,705 </span><span class=\"S11A3 SB S2\" id=\"ti_66\">- </span><span class=\"S11A4 SB S2\" id=\"tj_66\">3,553 </span><span class=\"S11A5 SB S2\" id=\"tk_66\">43 </span><span class=\"S11A6 SB S2\" id=\"tl_66\">137 </span><span class=\"S11A7 SB S2\" id=\"tm_66\">6,438 </span><span class=\"S11A8 SA7 S2\" id=\"tn_66\">Impairment for the period </span><span class=\"S11A9 SA7 S2\" id=\"to_66\">37 </span><span class=\"S11AA SA7 S2\" id=\"tp_66\">67,715 </span><span class=\"S11AB SA7 S2\" id=\"tq_66\">590 </span><span class=\"S11AC SA7 S2\" id=\"tr_66\">- </span><span class=\"S11AD SA7 S2\" id=\"ts_66\">- </span><span class=\"S11AE SA7 S2\" id=\"tt_66\">68,342 </span><span class=\"S6CB SA7 S2\" id=\"tu_66\">Release of impairment for the period </span><span class=\"S11AF SA7 S2\" id=\"tv_66\">- </span><span class=\"S11B0 SA7 S2\" id=\"tw_66\">- </span><span class=\"S11B1 SA7 S2\" id=\"tx_66\">- </span><span class=\"S11B2 SA7 S2\" id=\"ty_66\">(122) </span><span class=\"S11B3 SA7 S2\" id=\"tz_66\">(122) </span><span class=\"S11B4 SA7 S2\" id=\"t10_66\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"t11_66\">translation differences </span><span class=\"S11B6 SA7 S2\" id=\"t12_66\">54 </span><span class=\"S11B7 SA7 S2\" id=\"t13_66\">(26,849) </span><span class=\"S11B8 SA7 S2\" id=\"t14_66\">258 </span><span class=\"S11B9 SA7 S2\" id=\"t15_66\">3 </span><span class=\"S11BA SA7 S2\" id=\"t16_66\">7 </span><span class=\"S11BB SA7 S2\" id=\"t17_66\">(26,527) </span><span class=\"S11BC SA7 S2\" id=\"t18_66\">Use of impairment </span><span class=\"S11BD SA7 S2\" id=\"t19_66\">- </span><span class=\"S11BE SA7 S2\" id=\"t1a_66\">(150) </span><span class=\"S11BF SA7 S2\" id=\"t1b_66\">- </span><span class=\"S11C0 SA7 S2\" id=\"t1c_66\">(3) </span><span class=\"S11C1 SA7 S2\" id=\"t1d_66\">(153) </span><span class=\"S11C2 SB S2\" id=\"t1e_66\">Closing balance </span><span class=\"S11C3 SB S2\" id=\"t1f_66\">2,796 </span><span class=\"S11C4 SB S2\" id=\"t1g_66\">40,866 </span><span class=\"S11C5 SB S2\" id=\"t1h_66\">4,251 </span><span class=\"S11C6 SB S2\" id=\"t1i_66\">46 </span><span class=\"S11C7 SB S2\" id=\"t1j_66\">19 </span><span class=\"S11C8 SB S2\" id=\"t1k_66\">47,978 </span><span class=\"S11C9 SB S2\" id=\"t1l_66\">Intangible </span><span class=\"S11CA SB S2\" id=\"t1m_66\">assets </span><span class=\"S11CB SB S2\" id=\"t1n_66\">Goodwill </span><span class=\"S11CC SB S2\" id=\"t1o_66\">Property </span><span class=\"S11CD SB S2\" id=\"t1p_66\">Machinery and </span><span class=\"S11CE SB S2\" id=\"t1q_66\">office equipment </span><span class=\"S11CF SB S2\" id=\"t1r_66\">Vehicle </span><span class=\"S11D0 SB S2\" id=\"t1s_66\">Construction </span><span class=\"S11D1 SB S2\" id=\"t1t_66\">in progress </span><span class=\"S11D2 SB S2\" id=\"t1u_66\">Tangible assets subject </span><span class=\"S11D3 SB S2\" id=\"t1v_66\">to operating lease </span><span class=\"S11D4 SB S2\" id=\"t1w_66\">Total </span><span class=\"S11D5 SB S2\" id=\"t1x_66\">Carrying value </span><span class=\"S11D6 SB S2\" id=\"t1y_66\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t1z_66\">142,991 </span><span class=\"S11D8 SB S2\" id=\"t20_66\">105,640 </span><span class=\"S11D9 SB S2\" id=\"t21_66\">217,662 </span><span class=\"S11DA SB S2\" id=\"t22_66\">70,550 </span><span class=\"S11DB SB S2\" id=\"t23_66\">34,064 </span><span class=\"S11DC SB S2\" id=\"t24_66\">67,657 </span><span class=\"S11DD SB S2\" id=\"t25_66\">21,203 </span><span class=\"S11DE SB S2\" id=\"t26_66\">659,767 </span><span class=\"S11DF SB S2\" id=\"t27_66\">Closing balance </span><span class=\"S11E0 SB S2\" id=\"t28_66\">168,712 </span><span class=\"S11E1 SB S2\" id=\"t29_66\">68,319 </span><span class=\"S11E2 SB S2\" id=\"t2a_66\">278,226 </span><span class=\"S11E3 SB S2\" id=\"t2b_66\">76,219 </span><span class=\"S11E4 SB S2\" id=\"t2c_66\">34,148 </span><span class=\"S11E5 SB S2\" id=\"t2d_66\">53,544 </span><span class=\"S11E6 SB S2\" id=\"t2e_66\">22,332 </span><span class=\"S11E7 SB S2\" id=\"t2f_66\">701,500 </span><span class=\"S11E8 SB S2\" id=\"t2g_66\">Fair values </span><span class=\"S11E9 SB S2\" id=\"t2h_66\">- </span><span class=\"S11EA SB S2\" id=\"t2i_66\">- </span><span class=\"S11EB SB S2\" id=\"t2j_66\">308,375 </span><span class=\"S11EC SB S2\" id=\"t2k_66\">76,230 </span><span class=\"S11ED SB S2\" id=\"t2l_66\">34,122 </span><span class=\"S11EE SB S2\" id=\"t2m_66\">- </span><span class=\"S11EF SB S2\" id=\"t2n_66\">22,351 </span><span class=\"S11F0 SB S2\" id=\"t2o_66\">441,078 </span><span class=\"S11F1 SB S2\" id=\"t2p_66\">Gross amount of the fully </span><span class=\"S11F2 SB S2\" id=\"t2q_66\">depreciated assets that </span><span class=\"S11F3 SB S2\" id=\"t2r_66\">are still in use </span><span class=\"S11F4 SB S2\" id=\"t2s_66\">152,718 </span><span class=\"S11F5 SB S2\" id=\"t2t_66\">- </span><span class=\"S11F6 SB S2\" id=\"t2u_66\">26,007 </span><span class=\"S11F7 SB S2\" id=\"t2v_66\">144,310 </span><span class=\"S11F8 SB S2\" id=\"t2w_66\">1,504 </span><span class=\"S11F9 SB S2\" id=\"t2x_66\">- </span><span class=\"S11FA SB S2\" id=\"t2y_66\">- </span><span class=\"S11FB SB S2\" id=\"t2z_66\">324,539 </span><span class=\"S11FC SA7 S2\" id=\"t30_66\">An analysis of the intangible assets for the year ended 31 December 2022 is as follows: </span><span class=\"S11FD SB S2\" id=\"t31_66\">Intangible assets </span><span class=\"S11FE SB S2\" id=\"t32_66\">Self-developed </span><span class=\"S11FF SB S2\" id=\"t33_66\">Purchased </span><span class=\"S1200 SB S2\" id=\"t34_66\">Total </span><span class=\"S1201 SA7 S2\" id=\"t35_66\">Gross values </span><span class=\"S1202 SA7 S2\" id=\"t36_66\">14,704 </span><span class=\"S1203 SA7 S2\" id=\"t37_66\">456,716 </span><span class=\"S1204 SA7 S2\" id=\"t38_66\">471,420 </span><span class=\"S1205 SA7 S2\" id=\"t39_66\">Accumulated amortization </span><span class=\"S1206 SA7 S2\" id=\"t3a_66\">(5,508) </span><span class=\"S1207 SA7 S2\" id=\"t3b_66\">(294,404) </span><span class=\"S1208 SA7 S2\" id=\"t3c_66\">(299,912) </span><span class=\"S1209 SA7 S2\" id=\"t3d_66\">Impairment </span><span class=\"S120A SA7 S2\" id=\"t3e_66\">- </span><span class=\"S120B SA7 S2\" id=\"t3f_66\">(2,796) </span><span class=\"S120C SA7 S2\" id=\"t3g_66\">(2,796) </span><span class=\"S120D SB S2\" id=\"t3h_66\">Carrying value </span><span class=\"S120E SB S2\" id=\"t3i_66\">9,196 </span><span class=\"S120F SB S2\" id=\"t3j_66\">159,516 </span><span class=\"S1210 SB S2\" id=\"t3k_66\">168,712 </span><span class=\"S1123 SB S2\" id=\"t3_67\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_67\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1211 SB S2\" id=\"t5_67\">For the year ended 31 December 2022 [continued] </span><span class=\"S1212 SA7 S2\" id=\"t6_67\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1213 S27D S2\" id=\"t7_67\">Subsidiaries </span><span class=\"S1214 S27D S2\" id=\"t8_67\">Carrying </span><span class=\"S1215 S27D S2\" id=\"t9_67\">amounts of the </span><span class=\"S1216 S27D S2\" id=\"ta_67\">subsidiary in </span><span class=\"S1217 S27D S2\" id=\"tb_67\">HUF million </span><span class=\"S1218 S27D S2\" id=\"tc_67\">Goodwill </span><span class=\"S1219 S27D S2\" id=\"td_67\">values in </span><span class=\"S121A S27D S2\" id=\"te_67\">HUF million </span><span class=\"S121B S27D S2\" id=\"tf_67\">Goodwill values in </span><span class=\"S121C S27D S2\" id=\"tg_67\">million functional </span><span class=\"S121D S27D S2\" id=\"th_67\">currency </span><span class=\"S121E S27D S2\" id=\"ti_67\">Type of </span><span class=\"S121F S27D S2\" id=\"tj_67\">functional </span><span class=\"S1220 S27D S2\" id=\"tk_67\">currency </span><span class=\"S1221 S27D S2\" id=\"tl_67\">Consolidated </span><span class=\"S1222 S27D S2\" id=\"tm_67\">ownership </span><span class=\"S1223 S27D S2\" id=\"tn_67\">interest </span><span class=\"S1224 S27D S2\" id=\"to_67\">With ownership </span><span class=\"S1225 S27D S2\" id=\"tp_67\">adjusted company </span><span class=\"S1226 S27D S2\" id=\"tq_67\">value in HUF million </span><span class=\"S1227 S27D S2\" id=\"tr_67\">Applied long </span><span class=\"S1228 S27D S2\" id=\"ts_67\">term grow rate </span><span class=\"S1229 S27D S2\" id=\"tt_67\">Applied </span><span class=\"S122A S27D S2\" id=\"tu_67\">long term </span><span class=\"S122B S27D S2\" id=\"tv_67\">discount </span><span class=\"S122C S27D S2\" id=\"tw_67\">rate </span><span class=\"S122D S27E S2\" id=\"tx_67\">DSK Bank EAD </span><span class=\"S122E S27E S2\" id=\"ty_67\">280,722 </span><span class=\"S122F S27E S2\" id=\"tz_67\">44,375 </span><span class=\"S1230 S27E S2\" id=\"t10_67\">28,541 </span><span class=\"S1231 S27E S2\" id=\"t11_67\">HUF </span><span class=\"S1232 S27E S2\" id=\"t12_67\">99.92% </span><span class=\"S1233 S27E S2\" id=\"t13_67\">840,031 </span><span class=\"S1234 S27E S2\" id=\"t14_67\">3.00% </span><span class=\"S1235 S27E S2\" id=\"t15_67\">12.54% </span><span class=\"S1236 S27E S2\" id=\"t16_67\">(Bulgaria) </span><span class=\"S1237 S27E S2\" id=\"t17_67\">77 </span><span class=\"S1238 S27E S2\" id=\"t18_67\">BGN </span><span class=\"S1239 S27E S2\" id=\"t19_67\">OTP banka d.d. </span><span class=\"S123A S27E S2\" id=\"t1a_67\">(Croatia) </span><span class=\"S123B S27E S2\" id=\"t1b_67\">205,349 </span><span class=\"S123C S27E S2\" id=\"t1c_67\">23,235 </span><span class=\"S123D S27E S2\" id=\"t1d_67\">58 </span><span class=\"S123E S27E S2\" id=\"t1e_67\">EUR </span><span class=\"S123F S27E S2\" id=\"t1f_67\">100.00% </span><span class=\"S1240 S27E S2\" id=\"t1g_67\">410,711 </span><span class=\"S1241 S27E S2\" id=\"t1h_67\">2.69% </span><span class=\"S1242 S27E S2\" id=\"t1i_67\">10.69% </span><span class=\"S1243 S27E S2\" id=\"t1j_67\">POK-DSK Rodina a.d. </span><span class=\"S1244 S27E S2\" id=\"t1k_67\">(Bulgaria) </span><span class=\"S1245 S27E S2\" id=\"t1l_67\">1,680 </span><span class=\"S1246 S27E S2\" id=\"t1m_67\">11 </span><span class=\"S1247 S27E S2\" id=\"t1n_67\">11 </span><span class=\"S1248 S27E S2\" id=\"t1o_67\">HUF </span><span class=\"S1249 S27E S2\" id=\"t1p_67\">99.85% </span><span class=\"S124A S27E S2\" id=\"t1q_67\">16,564 </span><span class=\"S124B S27E S2\" id=\"t1r_67\">3.00% </span><span class=\"S124C S27E S2\" id=\"t1s_67\">12.54% </span><span class=\"S124D S27E S2\" id=\"t1t_67\">George Consult </span><span class=\"S124E S27E S2\" id=\"t1u_67\">(Croatia) </span><span class=\"S124F S27E S2\" id=\"t1v_67\">225 </span><span class=\"S1250 S27E S2\" id=\"t1w_67\">220 </span><span class=\"S1251 S27E S2\" id=\"t1x_67\">4 </span><span class=\"S1252 S27E S2\" id=\"t1y_67\">HRK </span><span class=\"S1253 S27E S2\" id=\"t1z_67\">76.00% </span><span class=\"S1254 S27E S2\" id=\"t20_67\">171 </span><span class=\"S1255 S27E S2\" id=\"t21_67\">2.69% </span><span class=\"S1256 S27E S2\" id=\"t22_67\">10.69% </span><span class=\"S1257 S27E S2\" id=\"t23_67\">OTP Home Solutions Llc. </span><span class=\"S1258 S27E S2\" id=\"t24_67\">(Hungary) </span><span class=\"S1259 S27E S2\" id=\"t25_67\">2,570 </span><span class=\"S125A S27E S2\" id=\"t26_67\">478 </span><span class=\"S125B S27E S2\" id=\"t27_67\">478 </span><span class=\"S125C S27E S2\" id=\"t28_67\">HUF </span><span class=\"S125D S27E S2\" id=\"t29_67\">100.00% </span><span class=\"S125E S27E S2\" id=\"t2a_67\">2,570 </span><span class=\"S125F S27E S2\" id=\"t2b_67\">3.00% </span><span class=\"S1260 S27E S2\" id=\"t2c_67\">16.26% </span><span class=\"S1261 S27D S2\" id=\"t2d_67\">490,546 </span><span class=\"S1262 S27D S2\" id=\"t2e_67\">68,319 </span><span class=\"S1123 SB S2\" id=\"t3_68\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_68\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1263 SB S2\" id=\"t5_68\">For the year ended 31 December 2021 </span><span class=\"S1264 SB S2\" id=\"t6_68\">Cost </span><span class=\"S1265 SB S2\" id=\"t7_68\">Intangible </span><span class=\"S1266 SB S2\" id=\"t8_68\">assets </span><span class=\"S1267 SB S2\" id=\"t9_68\">Goodwill </span><span class=\"S1268 SB S2\" id=\"ta_68\">Property </span><span class=\"S1269 SB S2\" id=\"tb_68\">Machinery and </span><span class=\"S126A SB S2\" id=\"tc_68\">office equipment </span><span class=\"S126B SB S2\" id=\"td_68\">Vehicle </span><span class=\"S126C SB S2\" id=\"te_68\">Construction </span><span class=\"S126D SB S2\" id=\"tf_68\">in progress </span><span class=\"S126E SB S2\" id=\"tg_68\">Tangible assets subject </span><span class=\"S126F SB S2\" id=\"th_68\">to operating lease </span><span class=\"S1270 SB S2\" id=\"ti_68\">Total </span><span class=\"S11A1 SB S2\" id=\"tj_68\">Balance as at 1 January </span><span class=\"S1271 SB S2\" id=\"tk_68\">364,495 </span><span class=\"S1272 SB S2\" id=\"tl_68\">101,393 </span><span class=\"S1273 SB S2\" id=\"tm_68\">285,506 </span><span class=\"S1274 SB S2\" id=\"tn_68\">212,105 </span><span class=\"S1275 SB S2\" id=\"to_68\">23,893 </span><span class=\"S1276 SB S2\" id=\"tp_68\">23,403 </span><span class=\"S1277 SB S2\" id=\"tq_68\">28,926 </span><span class=\"S1278 SB S2\" id=\"tr_68\">1,039,721 </span><span class=\"S1279 SA7 S2\" id=\"ts_68\">Increase due to acquisition </span><span class=\"S127A SA7 S2\" id=\"tt_68\">- </span><span class=\"S127B SA7 S2\" id=\"tu_68\">Additions </span><span class=\"S127C SA7 S2\" id=\"tv_68\">90,887 </span><span class=\"S127D SA7 S2\" id=\"tw_68\">- </span><span class=\"S127E SA7 S2\" id=\"tx_68\">28,684 </span><span class=\"S127F SA7 S2\" id=\"ty_68\">37,266 </span><span class=\"S1280 SA7 S2\" id=\"tz_68\">19,135 </span><span class=\"S1281 SA7 S2\" id=\"t10_68\">111,316 </span><span class=\"S1282 SA7 S2\" id=\"t11_68\">13,427 </span><span class=\"S1283 SA7 S2\" id=\"t12_68\">300,715 </span><span class=\"S11B4 SA7 S2\" id=\"t13_68\">Foreign currency </span><span class=\"S1284 SA7 S2\" id=\"t14_68\">translation differences </span><span class=\"S1285 SA7 S2\" id=\"t15_68\">4,656 </span><span class=\"S1286 SA7 S2\" id=\"t16_68\">4,247 </span><span class=\"S1287 SA7 S2\" id=\"t17_68\">3,609 </span><span class=\"S1288 SA7 S2\" id=\"t18_68\">3,237 </span><span class=\"S1289 SA7 S2\" id=\"t19_68\">163 </span><span class=\"S128A SA7 S2\" id=\"t1a_68\">136 </span><span class=\"S128B SA7 S2\" id=\"t1b_68\">422 </span><span class=\"S128C SA7 S2\" id=\"t1c_68\">16,470 </span><span class=\"S128D SA7 S2\" id=\"t1d_68\">Disposals </span><span class=\"S128E SA7 S2\" id=\"t1e_68\">(52,035) </span><span class=\"S128F SA7 S2\" id=\"t1f_68\">- </span><span class=\"S1290 SA7 S2\" id=\"t1g_68\">(12,877) </span><span class=\"S1291 SA7 S2\" id=\"t1h_68\">(8,877) </span><span class=\"S1292 SA7 S2\" id=\"t1i_68\">(1,939) </span><span class=\"S1293 SA7 S2\" id=\"t1j_68\">(67,198) </span><span class=\"S1294 SA7 S2\" id=\"t1k_68\">(11,942) </span><span class=\"S1295 SA7 S2\" id=\"t1l_68\">(154,868) </span><span class=\"S11C2 SB S2\" id=\"t1m_68\">Closing balance </span><span class=\"S1296 SB S2\" id=\"t1n_68\">408,003 </span><span class=\"S1297 SB S2\" id=\"t1o_68\">105,640 </span><span class=\"S1298 SB S2\" id=\"t1p_68\">304,922 </span><span class=\"S1299 SB S2\" id=\"t1q_68\">243,731 </span><span class=\"S129A SB S2\" id=\"t1r_68\">41,252 </span><span class=\"S129B SB S2\" id=\"t1s_68\">67,657 </span><span class=\"S129C SB S2\" id=\"t1t_68\">30,833 </span><span class=\"S129D SB S2\" id=\"t1u_68\">1,202,038 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span><span class=\"S1123 SB S2\" id=\"t3_69\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_69\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_69\">For the year ended 31 December 2021 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_69\">Impairment </span><span class=\"S12CB SB S2\" id=\"t7_69\">Intangible </span><span class=\"S12CC SB S2\" id=\"t8_69\">assets </span><span class=\"S12CD SB S2\" id=\"t9_69\">Property </span><span class=\"S12CE SB S2\" id=\"ta_69\">Machinery and </span><span class=\"S12CF SB S2\" id=\"tb_69\">office equipment </span><span class=\"S12D0 SB S2\" id=\"tc_69\">Tangible assets subject </span><span class=\"S12D1 SB S2\" id=\"td_69\">to operating lease </span><span class=\"S12D2 SB S2\" id=\"te_69\">Total </span><span class=\"S11A1 SB S2\" id=\"tf_69\">Balance as at 1 January </span><span class=\"S12D3 SB S2\" id=\"tg_69\">2,704 </span><span class=\"S12D4 SB S2\" id=\"th_69\">1,122 </span><span class=\"S12D5 SB S2\" id=\"ti_69\">42 </span><span class=\"S12D6 SB S2\" id=\"tj_69\">338 </span><span class=\"S12D7 SB S2\" id=\"tk_69\">4,206 </span><span class=\"S11A8 SA7 S2\" id=\"tl_69\">Impairment for the period </span><span class=\"S12D8 SA7 S2\" id=\"tm_69\">- </span><span class=\"S12D9 SA7 S2\" id=\"tn_69\">2,967 </span><span class=\"S12DA SA7 S2\" id=\"to_69\">- </span><span class=\"S12DB SA7 S2\" id=\"tp_69\">9 </span><span class=\"S12DC SA7 S2\" id=\"tq_69\">2,976 </span><span class=\"S12DD SA7 S2\" id=\"tr_69\">Release of impairment for the period </span><span class=\"S12DE SA7 S2\" id=\"ts_69\">- </span><span class=\"S12DF SA7 S2\" id=\"tt_69\">- </span><span class=\"S12E0 SA7 S2\" id=\"tu_69\">- </span><span class=\"S12E1 SA7 S2\" id=\"tv_69\">(204) </span><span class=\"S12E2 SA7 S2\" id=\"tw_69\">(204) </span><span class=\"S11B4 SA7 S2\" id=\"tx_69\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"ty_69\">translation differences </span><span class=\"S12E3 SA7 S2\" id=\"tz_69\">5 </span><span class=\"S12E4 SA7 S2\" id=\"t10_69\">55 </span><span class=\"S12E5 SA7 S2\" id=\"t11_69\">6 </span><span class=\"S12E6 SA7 S2\" id=\"t12_69\">(1) </span><span class=\"S12E7 SA7 S2\" id=\"t13_69\">65 </span><span class=\"S11BC SA7 S2\" id=\"t14_69\">Use of impairment </span><span class=\"S12E8 SA7 S2\" id=\"t15_69\">(4) </span><span class=\"S12E9 SA7 S2\" id=\"t16_69\">(591) </span><span class=\"S12EA SA7 S2\" id=\"t17_69\">(5) </span><span class=\"S1293 SA7 S2\" id=\"t18_69\">(5) </span><span class=\"S12EB SA7 S2\" id=\"t19_69\">(605) </span><span class=\"S11C2 SB S2\" id=\"t1a_69\">Closing balance </span><span class=\"S12EC SB S2\" id=\"t1b_69\">2,705 </span><span class=\"S12ED SB S2\" id=\"t1c_69\">3,553 </span><span class=\"S12EE SB S2\" id=\"t1d_69\">43 </span><span class=\"S12EF SB S2\" id=\"t1e_69\">137 </span><span class=\"S12F0 SB S2\" id=\"t1f_69\">6,438 </span><span class=\"S12F1 SB S2\" id=\"t1g_69\">Intangible </span><span class=\"S12F2 SB S2\" id=\"t1h_69\">assets </span><span class=\"S12F3 SB S2\" id=\"t1i_69\">Goodwill </span><span class=\"S12F4 SB S2\" id=\"t1j_69\">Property </span><span class=\"S12F5 SB S2\" id=\"t1k_69\">Machinery and </span><span class=\"S12F6 SB S2\" id=\"t1l_69\">office equipment </span><span class=\"S12F7 SB S2\" id=\"t1m_69\">Vehicle </span><span class=\"S12F8 SB S2\" id=\"t1n_69\">Construction in </span><span class=\"S12F9 SB S2\" id=\"t1o_69\">progress </span><span class=\"S12FA SB S2\" id=\"t1p_69\">Tangible assets subject </span><span class=\"S12FB SB S2\" id=\"t1q_69\">to operating lease </span><span class=\"S12FC SB S2\" id=\"t1r_69\">Total </span><span class=\"S12FD SB S2\" id=\"t1s_69\">Carrying value </span><span class=\"S12FE SB S2\" id=\"t1t_69\">Balance as at 1 January </span><span class=\"S12FF SB S2\" id=\"t1u_69\">137,611 </span><span class=\"S1300 SB S2\" id=\"t1v_69\">101,393 </span><span class=\"S1301 SB S2\" id=\"t1w_69\">206,631 </span><span class=\"S1302 SB S2\" id=\"t1x_69\">56,771 </span><span class=\"S1303 SB S2\" id=\"t1y_69\">17,652 </span><span class=\"S1304 SB S2\" id=\"t1z_69\">23,403 </span><span class=\"S1305 SB S2\" id=\"t20_69\">18,309 </span><span class=\"S1306 SB S2\" id=\"t21_69\">561,770 </span><span class=\"S1307 SB S2\" id=\"t22_69\">Closing balance </span><span class=\"S1308 SB S2\" id=\"t23_69\">142,991 </span><span class=\"S1309 SB S2\" id=\"t24_69\">105,640 </span><span class=\"S130A SB S2\" id=\"t25_69\">217,662 </span><span class=\"S130B SB S2\" id=\"t26_69\">70,550 </span><span class=\"S130C SB S2\" id=\"t27_69\">34,064 </span><span class=\"S130D SB S2\" id=\"t28_69\">67,657 </span><span class=\"S130E SB S2\" id=\"t29_69\">21,203 </span><span class=\"S130F SB S2\" id=\"t2a_69\">659,767 </span><span class=\"S1310 SB S2\" id=\"t2b_69\">Fair values </span><span class=\"S1311 SB S2\" id=\"t2c_69\">- </span><span class=\"S1312 SB S2\" id=\"t2d_69\">- </span><span class=\"S1313 SB S2\" id=\"t2e_69\">247,754 </span><span class=\"S1314 SB S2\" id=\"t2f_69\">70,258 </span><span class=\"S1315 SB S2\" id=\"t2g_69\">34,063 </span><span class=\"S1316 SB S2\" id=\"t2h_69\">- </span><span class=\"S1317 SB S2\" id=\"t2i_69\">21,339 </span><span class=\"S1318 SB S2\" id=\"t2j_69\">373,414 </span><span class=\"S1319 SB S2\" id=\"t2k_69\">Gross amount of the fully </span><span class=\"S131A SB S2\" id=\"t2l_69\">depreciated assets that </span><span class=\"S131B SB S2\" id=\"t2m_69\">are still in use </span><span class=\"S131C SB S2\" id=\"t2n_69\">129,805 </span><span class=\"S131D SB S2\" id=\"t2o_69\">- </span><span class=\"S131E SB S2\" id=\"t2p_69\">25,396 </span><span class=\"S131F SB S2\" id=\"t2q_69\">132,611 </span><span class=\"S1320 SB S2\" id=\"t2r_69\">924 </span><span class=\"S1321 SB S2\" id=\"t2s_69\">- </span><span class=\"S1322 SB S2\" id=\"t2t_69\">- </span><span class=\"S1323 SB S2\" id=\"t2u_69\">288,736 </span><span class=\"SA1A SA7 S2\" id=\"t2v_69\">An analysis of the intangible assets for the year ended 31 December 2021 is as follows: </span><span class=\"S1324 SB S2\" id=\"t2w_69\">Intangible assets </span><span class=\"S1325 SB S2\" id=\"t2x_69\">Self-developed </span><span class=\"S1326 SB S2\" id=\"t2y_69\">Purchased </span><span class=\"S1327 SB S2\" id=\"t2z_69\">Total </span><span class=\"S1328 SA7 S2\" id=\"t30_69\">Gross values </span><span class=\"S1329 SA7 S2\" id=\"t31_69\">12,700 </span><span class=\"S132A SA7 S2\" id=\"t32_69\">395,303 </span><span class=\"S132B SA7 S2\" id=\"t33_69\">408,003 </span><span class=\"S132C SA7 S2\" id=\"t34_69\">Accumulated amortization </span><span class=\"S132D SA7 S2\" id=\"t35_69\">(5,017) </span><span class=\"S132E SA7 S2\" id=\"t36_69\">(257,290) </span><span class=\"S132F SA7 S2\" id=\"t37_69\">(262,307) </span><span class=\"S1330 SA7 S2\" id=\"t38_69\">Impairment </span><span class=\"S1331 SA7 S2\" id=\"t39_69\">- </span><span class=\"S1332 SA7 S2\" id=\"t3a_69\">(2,705) </span><span class=\"S1333 SA7 S2\" id=\"t3b_69\">(2,705) </span><span class=\"S1334 SB S2\" id=\"t3c_69\">Carrying value </span><span class=\"S1335 SB S2\" id=\"t3d_69\">7,683 </span><span class=\"S1336 SB S2\" id=\"t3e_69\">135,308 </span><span class=\"S1337 SB S2\" id=\"t3f_69\">142,991 </span><span class=\"S1123 SB S2\" id=\"t3_70\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_70\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_70\">For the year ended 31 December 2021 [continued] </span><span class=\"S1338 SA7 S2\" id=\"t6_70\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1339 S27D S2\" id=\"t7_70\">Subsidiaries </span><span class=\"S133A S27D S2\" id=\"t8_70\">Carrying </span><span class=\"S133B S27D S2\" id=\"t9_70\">amounts of the </span><span class=\"S133C S27D S2\" id=\"ta_70\">subsidiary in </span><span class=\"S133D S27D S2\" id=\"tb_70\">HUF million </span><span class=\"S133E S27D S2\" id=\"tc_70\">Goodwill </span><span class=\"S133F S27D S2\" id=\"td_70\">values in </span><span class=\"S1340 S27D S2\" id=\"te_70\">HUF million </span><span class=\"S1341 S27D S2\" id=\"tf_70\">Goodwill values in </span><span class=\"S1342 S27D S2\" id=\"tg_70\">million functional </span><span class=\"S1343 S27D S2\" id=\"th_70\">currency </span><span class=\"S1344 S27D S2\" id=\"ti_70\">Type of </span><span class=\"S1345 S27D S2\" id=\"tj_70\">functional </span><span class=\"S1346 S27D S2\" id=\"tk_70\">currency </span><span class=\"S1347 S27D S2\" id=\"tl_70\">Consolidated </span><span class=\"S1348 S27D S2\" id=\"tm_70\">ownership </span><span class=\"S1349 S27D S2\" id=\"tn_70\">interest </span><span class=\"S134A S27D S2\" id=\"to_70\">With ownership </span><span class=\"S134B S27D S2\" id=\"tp_70\">adjusted company </span><span class=\"S134C S27D S2\" id=\"tq_70\">value in HUF million </span><span class=\"S134D S27D S2\" id=\"tr_70\">Applied long </span><span class=\"S134E S27D S2\" id=\"ts_70\">term grow rate </span><span class=\"S134F S27D S2\" id=\"tt_70\">Applied </span><span class=\"S1350 S27D S2\" id=\"tu_70\">long term </span><span class=\"S1351 S27D S2\" id=\"tv_70\">discount </span><span class=\"S1352 S27D S2\" id=\"tw_70\">rate </span><span class=\"S1353 S27E S2\" id=\"tx_70\">DSK Bank EAD </span><span class=\"S1354 S27E S2\" id=\"ty_70\">280,692 </span><span class=\"S1355 S27E S2\" id=\"tz_70\">43,138 </span><span class=\"S1356 S27E S2\" id=\"t10_70\">28,541 </span><span class=\"S1357 S27E S2\" id=\"t11_70\">HUF </span><span class=\"S1358 S27E S2\" id=\"t12_70\">99.91% </span><span class=\"S1359 S27E S2\" id=\"t13_70\">832,445 </span><span class=\"S135A S27E S2\" id=\"t14_70\">3.00% </span><span class=\"S135B S27E S2\" id=\"t15_70\">7.90% </span><span class=\"S135C S27E S2\" id=\"t16_70\">(Bulgaria) </span><span class=\"S135D S27E S2\" id=\"t17_70\">77 </span><span class=\"S135E S27E S2\" id=\"t18_70\">BGN </span><span class=\"S135F S27E S2\" id=\"t19_70\">OTP banka d.d. </span><span class=\"S1360 S27E S2\" id=\"t1a_70\">(Croatia) </span><span class=\"S1361 S27E S2\" id=\"t1b_70\">205,349 </span><span class=\"S1362 S27E S2\" id=\"t1c_70\">21,421 </span><span class=\"S1363 S27E S2\" id=\"t1d_70\">58 </span><span class=\"S1364 S27E S2\" id=\"t1e_70\">EUR </span><span class=\"S1365 S27E S2\" id=\"t1f_70\">100.00% </span><span class=\"S1366 S27E S2\" id=\"t1g_70\">361,995 </span><span class=\"S1367 S27E S2\" id=\"t1h_70\">2.69% </span><span class=\"S1368 S27E S2\" id=\"t1i_70\">8.83% </span><span class=\"S1369 S27F S2\" id=\"t1j_70\">JSC \u201cOTP Bank\u201d </span><span class=\"S136A S27E S2\" id=\"t1k_70\">(Russia) </span><span class=\"S136B S27E S2\" id=\"t1l_70\">124,411 </span><span class=\"S136C S27E S2\" id=\"t1m_70\">40,866 </span><span class=\"S136D S27E S2\" id=\"t1n_70\">9,395 </span><span class=\"S136E S27E S2\" id=\"t1o_70\">RUB </span><span class=\"S136F S27E S2\" id=\"t1p_70\">97.92% </span><span class=\"S1370 S27E S2\" id=\"t1q_70\">187,552 </span><span class=\"S1371 S27E S2\" id=\"t1r_70\">1.89% </span><span class=\"S1372 S27E S2\" id=\"t1s_70\">15.44% </span><span class=\"S1373 S27E S2\" id=\"t1t_70\">POK-DSK Rodina a.d. </span><span class=\"S1374 S27E S2\" id=\"t1u_70\">(Bulgaria) </span><span class=\"S1375 S27E S2\" id=\"t1v_70\">1,680 </span><span class=\"S1376 S27E S2\" id=\"t1w_70\">11 </span><span class=\"S1377 S27E S2\" id=\"t1x_70\">11 </span><span class=\"S1378 S27E S2\" id=\"t1y_70\">HUF </span><span class=\"S1379 S27E S2\" id=\"t1z_70\">99.85% </span><span class=\"S137A S27E S2\" id=\"t20_70\">15,299 </span><span class=\"S137B S27E S2\" id=\"t21_70\">3.00% </span><span class=\"S137C S27E S2\" id=\"t22_70\">7.90% </span><span class=\"S137D S27E S2\" id=\"t23_70\">George Consult </span><span class=\"S137E S27E S2\" id=\"t24_70\">(Croatia) </span><span class=\"S137F S27E S2\" id=\"t25_70\">225 </span><span class=\"S1380 S27E S2\" id=\"t26_70\">204 </span><span class=\"S1381 S27E S2\" id=\"t27_70\">4 </span><span class=\"S1382 S27E S2\" id=\"t28_70\">HRK </span><span class=\"S1383 S27E S2\" id=\"t29_70\">76.00% </span><span class=\"S1384 S27E S2\" id=\"t2a_70\">171 </span><span class=\"S1385 S27E S2\" id=\"t2b_70\">2.69% </span><span class=\"S1386 S27E S2\" id=\"t2c_70\">8.83% </span><span class=\"S1387 S27D S2\" id=\"t2d_70\">612,357 </span><span class=\"S1388 S27D S2\" id=\"t2e_70\">105,640 </span><span class=\"SFA4 SB S2\" id=\"t3_101\">NOTE 33: </span><span class=\"SDB9 SB S2\" id=\"t4_101\">GAIN AND LOSSES BY TRANSACTIONS (in HUF mn) </span><span class=\"S1B20 SB S2\" id=\"t5_101\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_101\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_101\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_101\">Gain by transactions </span><span class=\"S1B22 SA7 S2\" id=\"t9_101\">7,173 </span><span class=\"S1B23 SA7 S2\" id=\"ta_101\">5,662 </span><span class=\"S1B24 SA7 S2\" id=\"tb_101\">Loss by transactions </span><span class=\"S1B25 SA7 S2\" id=\"tc_101\">(3,700) </span><span class=\"S1B26 SA7 S2\" id=\"td_101\">(4,808) </span><span class=\"S1B27 SB S2\" id=\"te_101\">Gain from sale of loans, placements, finance lease </span><span class=\"S19EC SB S2\" id=\"tf_101\">3,473 </span><span class=\"S1B28 SB S2\" id=\"tg_101\">854 </span><span class=\"S1B29 SA7 S2\" id=\"th_101\">Gain by transactions </span><span class=\"S1B2A SA7 S2\" id=\"ti_101\">41 </span><span class=\"S1B06 SA7 S2\" id=\"tj_101\">3,552 </span><span class=\"S1B2B SA7 S2\" id=\"tk_101\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_101\">(5,169) </span><span class=\"S19F3 SA7 S2\" id=\"tm_101\">(2,521) </span><span class=\"S1B2C SB S2\" id=\"tn_101\">(Loss) / Gain from derecognition of securities </span><span class=\"S1B2D SB S2\" id=\"to_101\">and other receivables at amortized cost </span><span class=\"S19F8 SB S2\" id=\"tp_101\">(5,128) </span><span class=\"S1B0F SB S2\" id=\"tq_101\">1,031 </span><span class=\"S1B2E SB S2\" id=\"tr_101\">(Loss) / Gain from derecognition of financial </span><span class=\"S1B2F SB S2\" id=\"ts_101\">assets at amortized cost </span><span class=\"S1B30 SB S2\" id=\"tt_101\">(1,655) </span><span class=\"S1B31 SB S2\" id=\"tu_101\">1,885 </span><span class=\"S1B32 SA7 S2\" id=\"tv_101\">Foreign exchange result consists of revaluation difference from converting assets and liabilities in foreign </span><span class=\"S1B33 SA7 S2\" id=\"tw_101\">currencies into the presentation currency of the consolidation financial statements. </span><span class=\"S1B34 SB S2\" id=\"tx_101\">Gains and losses by transactions </span><span class=\"S1B35 SB S2\" id=\"ty_101\">2022 </span><span class=\"S1B36 SB S2\" id=\"tz_101\">2021 </span><span class=\"S1B37 SA7 S2\" id=\"t10_101\">Gain by transactions </span><span class=\"S1B38 SA7 S2\" id=\"t11_101\">16,494 </span><span class=\"S1B39 SA7 S2\" id=\"t12_101\">9,553 </span><span class=\"S1B3A SA7 S2\" id=\"t13_101\">Loss by transactions </span><span class=\"S1B3B SA7 S2\" id=\"t14_101\">(19,645) </span><span class=\"S1B3C SA7 S2\" id=\"t15_101\">(4,537) </span><span class=\"S1B3D SB S2\" id=\"t16_101\">Fx (loss) / gain on securities at fair value through profit or loss </span><span class=\"S1B3E SB S2\" id=\"t17_101\">(3,151) </span><span class=\"S1B3F SB S2\" id=\"t18_101\">5,016 </span><span class=\"S1B40 SA7 S2\" id=\"t19_101\">Gain by transactions </span><span class=\"S1B41 SA7 S2\" id=\"t1a_101\">- </span><span class=\"S1B42 SA7 S2\" id=\"t1b_101\">2,405 </span><span class=\"S1B43 SA7 S2\" id=\"t1c_101\">Loss by transactions </span><span class=\"S1B44 SA7 S2\" id=\"t1d_101\">(323) </span><span class=\"S1B45 SA7 S2\" id=\"t1e_101\">(1,889) </span><span class=\"S1B46 SB S2\" id=\"t1f_101\">Fx (loss) / gain on derecognition of investment </span><span class=\"S1B47 SB S2\" id=\"t1g_101\">in subsidiaries, associates </span><span class=\"S1B48 SB S2\" id=\"t1h_101\">(323) </span><span class=\"S1B49 SB S2\" id=\"t1i_101\">516 </span><span class=\"S1B4A SA7 S2\" id=\"t1j_101\">Gain by transactions </span><span class=\"S1B4B SA7 S2\" id=\"t1k_101\">4,502 </span><span class=\"S1B4C SA7 S2\" id=\"t1l_101\">10,505 </span><span class=\"S1B4D SA7 S2\" id=\"t1m_101\">Loss by transactions </span><span class=\"S1B4E SA7 S2\" id=\"t1n_101\">(5,516) </span><span class=\"S1B4F SA7 S2\" id=\"t1o_101\">(13,092) </span><span class=\"S1B50 SB S2\" id=\"t1p_101\">Fx loss on securities at fair value </span><span class=\"S1B51 SB S2\" id=\"t1q_101\">through other comprehensive income </span><span class=\"S1B52 SB S2\" id=\"t1r_101\">(1,014) </span><span class=\"S1B53 SB S2\" id=\"t1s_101\">(2,587) </span><span class=\"S1B54 SA7 S2\" id=\"t1t_101\">Gain by transactions </span><span class=\"S1B55 SA7 S2\" id=\"t1u_101\">- </span><span class=\"S1B56 SA7 S2\" id=\"t1v_101\">2,847 </span><span class=\"S1B57 SA7 S2\" id=\"t1w_101\">Loss by transactions </span><span class=\"S1B58 SA7 S2\" id=\"t1x_101\">- </span><span class=\"S1B59 SA7 S2\" id=\"t1y_101\">(232) </span><span class=\"S1B5A SB S2\" id=\"t1z_101\">Fx gain on other securities </span><span class=\"S1B5B SB S2\" id=\"t20_101\">- </span><span class=\"S1B5C SB S2\" id=\"t21_101\">2,615 </span><span class=\"S1B5D SB S2\" id=\"t22_101\">(Loss) / Gain on securities, net </span><span class=\"S1B5E SB S2\" id=\"t23_101\">(4,488) </span><span class=\"S1B5F SB S2\" id=\"t24_101\">5,560 </span><span class=\"S1B60 SB S2\" id=\"t25_101\">Gains and losses by transactions </span><span class=\"S1B61 SB S2\" id=\"t26_101\">2022 </span><span class=\"S1B62 SB S2\" id=\"t27_101\">2021 </span><span class=\"S1B63 SA7 S2\" id=\"t28_101\">Gain by transactions </span><span class=\"S1B64 SA7 S2\" id=\"t29_101\">4,247 </span><span class=\"S1B65 SA7 S2\" id=\"t2a_101\">5,835 </span><span class=\"S1B66 SA7 S2\" id=\"t2b_101\">Loss by transactions </span><span class=\"S1B67 SA7 S2\" id=\"t2c_101\">(4,102) </span><span class=\"S1B68 SA7 S2\" id=\"t2d_101\">(1,023) </span><span class=\"S1B69 SB S2\" id=\"t2e_101\">Gain on non-trading securities mandatorily </span><span class=\"S1B6A SB S2\" id=\"t2f_101\">at fair value through profit or loss </span><span class=\"S1B6B SB S2\" id=\"t2g_101\">145 </span><span class=\"S1B6C SB S2\" id=\"t2h_101\">4,812 </span><span class=\"S1B6D SA7 S2\" id=\"t2i_101\">Gain by transactions </span><span class=\"S1B6E SA7 S2\" id=\"t2j_101\">50,693 </span><span class=\"S1B6F SA7 S2\" id=\"t2k_101\">36,591 </span><span class=\"S1B70 SA7 S2\" id=\"t2l_101\">Loss by transactions </span><span class=\"S1B71 SA7 S2\" id=\"t2m_101\">(60,234) </span><span class=\"S1B72 SA7 S2\" id=\"t2n_101\">(44,346) </span><span class=\"S1B73 SB S2\" id=\"t2o_101\">Loss on loans mandatorily at fair value through profit </span><span class=\"S1B74 SB S2\" id=\"t2p_101\">or loss (adjustment resulting from change in market factors) </span><span class=\"S1B75 SB S2\" id=\"t2q_101\">(9,541) </span><span class=\"S1B76 SB S2\" id=\"t2r_101\">(7,755) </span><span class=\"S1B77 SA7 S2\" id=\"t2s_101\">Gain by transactions </span><span class=\"S1B78 SA7 S2\" id=\"t2t_101\">7,809 </span><span class=\"S1B79 SA7 S2\" id=\"t2u_101\">2,868 </span><span class=\"S1B7A SA7 S2\" id=\"t2v_101\">Loss by transactions </span><span class=\"S1B7B SA7 S2\" id=\"t2w_101\">(2,577) </span><span class=\"S1B7C SA7 S2\" id=\"t2x_101\">(457) </span><span class=\"S1B7D SB S2\" id=\"t2y_101\">Gain on financial assets and liabilities </span><span class=\"S1B7E SB S2\" id=\"t2z_101\">designated at fair value through profit or loss </span><span class=\"S1B7F SB S2\" id=\"t30_101\">5,232 </span><span class=\"S1B80 SB S2\" id=\"t31_101\">2,411 </span><span class=\"S1B81 SB S2\" id=\"t32_101\">Fair value adjustment on financial instruments measured </span><span class=\"S1B82 SB S2\" id=\"t33_101\">at fair value through profit or loss </span><span class=\"S1B83 SB S2\" id=\"t34_101\">(4,164) </span><span class=\"S1B84 SB S2\" id=\"t35_101\">(532) </span><span class=\"SFA4 SB S2\" id=\"t3_102\">NOTE 33: </span><span class=\"S1B85 SB S2\" id=\"t4_102\">GAINS AND LOSSES (in HUF mn) [continued] </span><span class=\"S1B20 SB S2\" id=\"t5_102\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_102\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_102\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_102\">Gain by transactions </span><span class=\"S19E6 SA7 S2\" id=\"t9_102\">147,311 </span><span class=\"S1A39 SA7 S2\" id=\"ta_102\">74,582 </span><span class=\"S1B24 SA7 S2\" id=\"tb_102\">Loss by transactions </span><span class=\"S19E9 SA7 S2\" id=\"tc_102\">(150,804) </span><span class=\"S1B86 SA7 S2\" id=\"td_102\">(64,034) </span><span class=\"S1B87 SB S2\" id=\"te_102\">(Loss) / Gain from fx swap, swap and option deals </span><span class=\"S1B88 SB S2\" id=\"tf_102\">(3,493) </span><span class=\"S19ED SB S2\" id=\"tg_102\">10,548 </span><span class=\"S1B89 SA7 S2\" id=\"th_102\">Gain by transactions </span><span class=\"S1B05 SA7 S2\" id=\"ti_102\">4,156 </span><span class=\"S1B06 SA7 S2\" id=\"tj_102\">2,684 </span><span class=\"S1B8A SA7 S2\" id=\"tk_102\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_102\">(5,082) </span><span class=\"S19F3 SA7 S2\" id=\"tm_102\">(3,005) </span><span class=\"S1B8B SB S2\" id=\"tn_102\">Loss from option deals </span><span class=\"S1B8C SB S2\" id=\"to_102\">(926) </span><span class=\"S1B8D SB S2\" id=\"tp_102\">(321) </span><span class=\"S1B8E SA7 S2\" id=\"tq_102\">Gain by transactions </span><span class=\"S1A42 SA7 S2\" id=\"tr_102\">148,699 </span><span class=\"S14DE SA7 S2\" id=\"ts_102\">94,639 </span><span class=\"S1B8F SA7 S2\" id=\"tt_102\">Loss by transactions </span><span class=\"S1B90 SA7 S2\" id=\"tu_102\">(132,968) </span><span class=\"S1B91 SA7 S2\" id=\"tv_102\">(95,794) </span><span class=\"S1B92 SB S2\" id=\"tw_102\">Gain / (Loss) from commodities deals </span><span class=\"S1B93 SB S2\" id=\"tx_102\">15,731 </span><span class=\"S1B94 SB S2\" id=\"ty_102\">(1,155) </span><span class=\"S1B95 SA7 S2\" id=\"tz_102\">Gain by transactions </span><span class=\"S1B16 SA7 S2\" id=\"t10_102\">752 </span><span class=\"S1B17 SA7 S2\" id=\"t11_102\">745 </span><span class=\"S1B96 SA7 S2\" id=\"t12_102\">Loss by transactions </span><span class=\"S1B97 SA7 S2\" id=\"t13_102\">(1,506) </span><span class=\"S1B98 SA7 S2\" id=\"t14_102\">(3,019) </span><span class=\"S1B99 SB S2\" id=\"t15_102\">Loss from futures deals </span><span class=\"S1B9A SB S2\" id=\"t16_102\">(754) </span><span class=\"S1B9B SB S2\" id=\"t17_102\">(2,274) </span><span class=\"S1B9C SB S2\" id=\"t18_102\">Net results on derivative instruments and hedge relationships </span><span class=\"S14E8 SB S2\" id=\"t19_102\">10,558 </span><span class=\"S1B9D SB S2\" id=\"t1a_102\">6,798 </span><span class=\"S1B9E SA7 S2\" id=\"t1b_102\">Gains and losses attributable to the hedged risk on the hedged item and on the hedging instruments and </span><span class=\"S1B9F SA7 S2\" id=\"t1c_102\">ineffectiveness in case of fair value hedge on amortised cost line items are as follows: </span><span class=\"S1BA0 SB S2\" id=\"t1d_102\">Fair value hedge </span><span class=\"S1BA1 SB S2\" id=\"t1e_102\">2022 </span><span class=\"S1BA2 SB S2\" id=\"t1f_102\">2021 </span><span class=\"S1BA3 SA7 S2\" id=\"t1g_102\">Hedged items </span><span class=\"S1BA4 SA7 S2\" id=\"t1h_102\">6,750 </span><span class=\"S1BA5 SA7 S2\" id=\"t1i_102\">17,406 </span><span class=\"S1BA6 SA7 S2\" id=\"t1j_102\">Hedging instrument </span><span class=\"S1BA7 SA7 S2\" id=\"t1k_102\">(9,352) </span><span class=\"S1BA8 SA7 S2\" id=\"t1l_102\">(15,147) </span><span class=\"S1BA9 SA7 S2\" id=\"t1m_102\">Hedge effectiveness </span><span class=\"S1BAA SA7 S2\" id=\"t1n_102\">(2,602) </span><span class=\"S1BAB SA7 S2\" id=\"t1o_102\">2,259 </span><span class=\"SFA4 SB S2\" id=\"t3_103\">NOTE 34: </span><span class=\"S1BAC SB S2\" id=\"t4_103\">OTHER OPERATING INCOME AND EXPENSES AND OTHER ADMINISTRATIVE </span><span class=\"S1BAD SB S2\" id=\"t5_103\">EXPENSES (in HUF mn) </span><span class=\"S1BAE SB S2\" id=\"t6_103\">Other operating income </span><span class=\"S1053 SB S2\" id=\"t7_103\">2022 </span><span class=\"S1054 SB S2\" id=\"t8_103\">2021 </span><span class=\"S1BAF SA7 S2\" id=\"t9_103\">Income from agricultural activity </span><span class=\"S17DA SA7 S2\" id=\"ta_103\">62,809 </span><span class=\"S17DB SA7 S2\" id=\"tb_103\">42,526 </span><span class=\"S1BB0 SA7 S2\" id=\"tc_103\">Income from tourism activity </span><span class=\"S1788 SA7 S2\" id=\"td_103\">23,197 </span><span class=\"S1BB1 SA7 S2\" id=\"te_103\">8,588 </span><span class=\"S1BB2 SA7 S2\" id=\"tf_103\">Gains on transactions related to property activities </span><span class=\"S178B SA7 S2\" id=\"tg_103\">5,269 </span><span class=\"S178C SA7 S2\" id=\"th_103\">6,424 </span><span class=\"S178D SA7 S2\" id=\"ti_103\">Rental income </span><span class=\"S1BB3 SA7 S2\" id=\"tj_103\">2,175 </span><span class=\"S1BB4 SA7 S2\" id=\"tk_103\">2,132 </span><span class=\"S1BB5 SA7 S2\" id=\"tl_103\">Income from computer programming </span><span class=\"S1BB6 SA7 S2\" id=\"tm_103\">1,250 </span><span class=\"S1BB7 SA7 S2\" id=\"tn_103\">1,113 </span><span class=\"S1BB8 SA7 S2\" id=\"to_103\">Fair value adjustment of biological assets and agricultural produce </span><span class=\"S1BB9 SA7 S2\" id=\"tp_103\">(1,939) </span><span class=\"S1BBA SA7 S2\" id=\"tq_103\">(2,551) </span><span class=\"S1BBB SA7 S2\" id=\"tr_103\">Income from written-of receivable </span><span class=\"S17E4 SA7 S2\" id=\"ts_103\">3,727 </span><span class=\"S1BBC SA7 S2\" id=\"tt_103\">3,577 </span><span class=\"S1BBD SA7 S2\" id=\"tu_103\">Income from air passenger transport </span><span class=\"S17E7 SA7 S2\" id=\"tv_103\">1,863 </span><span class=\"S1BBE SA7 S2\" id=\"tw_103\">762 </span><span class=\"S1BBF SA7 S2\" id=\"tx_103\">Gains on transactions related to insurance activity </span><span class=\"S1BC0 SA7 S2\" id=\"ty_103\">1,369 </span><span class=\"S1BC1 SA7 S2\" id=\"tz_103\">657 </span><span class=\"S1BC2 SA7 S2\" id=\"t10_103\">Non-repayable assets received </span><span class=\"S17EB SA7 S2\" id=\"t11_103\">447 </span><span class=\"S1BC3 SA7 S2\" id=\"t12_103\">165 </span><span class=\"S1BC4 SA7 S2\" id=\"t13_103\">Negative goodwill due to acquisition </span><span class=\"S1425 SA7 S2\" id=\"t14_103\">3,784 </span><span class=\"S1BC5 SA7 S2\" id=\"t15_103\">31 </span><span class=\"S1BC6 SA7 S2\" id=\"t16_103\">Other income from non-financial activities </span><span class=\"S1076 SA7 S2\" id=\"t17_103\">21,464 </span><span class=\"S1077 SA7 S2\" id=\"t18_103\">17,904 </span><span class=\"S1BC7 SB S2\" id=\"t19_103\">Total </span><span class=\"S1079 SB S2\" id=\"t1a_103\">125,415 </span><span class=\"S1BC8 SB S2\" id=\"t1b_103\">81,328 </span><span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span><span class=\"SFA4 SB S2\" id=\"t3_104\">NOTE 34: </span><span class=\"S1BAC SB S2\" id=\"t4_104\">OTHER OPERATING INCOME AND EXPENSES AND OTHER ADMINISTRATIVE </span><span class=\"S14CF SB S2\" id=\"t5_104\">EXPENSES (in HUF mn) [continued] </span><span class=\"S1BFD SB S2\" id=\"t6_104\">Other administrative expenses </span><span class=\"S1762 SB S2\" id=\"t7_104\">2022 </span><span class=\"S1763 SB S2\" id=\"t8_104\">2021 </span><span class=\"S1BFE SA7 S2\" id=\"t9_104\">Personnel expenses </span><span class=\"S1BFF SA7 S2\" id=\"ta_104\">Wages </span><span class=\"S1C00 SA7 S2\" id=\"tb_104\">311,231 </span><span class=\"S1C01 SA7 S2\" id=\"tc_104\">271,497 </span><span class=\"S1C02 SA7 S2\" id=\"td_104\">Taxes related to personnel expenses </span><span class=\"S1C03 SA7 S2\" id=\"te_104\">49,015 </span><span class=\"S176C SA7 S2\" id=\"tf_104\">44,049 </span><span class=\"S1C04 SA7 S2\" id=\"tg_104\">Other personnel expenses </span><span class=\"S1C05 SA7 S2\" id=\"th_104\">42,317 </span><span class=\"S1C06 SA7 S2\" id=\"ti_104\">25,138 </span><span class=\"S1C07 SB S2\" id=\"tj_104\">Subtotal </span><span class=\"S1C08 SB S2\" id=\"tk_104\">402,563 </span><span class=\"S1C09 SB S2\" id=\"tl_104\">340,684 </span><span class=\"S1C0A SB S2\" id=\"tm_104\">Depreciation, amortization of tangible, intangible assets, </span><span class=\"S1C0B SB S2\" id=\"tn_104\">right-of-use assets </span><span class=\"S1C0C S10A6 S2\" id=\"to_104\">2 </span><span class=\"S1C0D SB S2\" id=\"tp_104\">107,588 </span><span class=\"S1C0E SB S2\" id=\"tq_104\">94,996 </span><span class=\"S1C0F SB S2\" id=\"tr_104\">Other administrative expenses </span><span class=\"S1C10 SA7 S2\" id=\"ts_104\">Taxes, other than income tax </span><span class=\"S1C11 SE8B S2\" id=\"tt_104\">3 </span><span class=\"S177F SA7 S2\" id=\"tu_104\">193,587 </span><span class=\"S1A05 SA7 S2\" id=\"tv_104\">93,678 </span><span class=\"S1C12 SA7 S2\" id=\"tw_104\">Services </span><span class=\"S1C13 SA7 S2\" id=\"tx_104\">150,505 </span><span class=\"S1C14 SA7 S2\" id=\"ty_104\">113,400 </span><span class=\"S1C15 SA7 S2\" id=\"tz_104\">Professional fees </span><span class=\"S14EC SA7 S2\" id=\"t10_104\">22,932 </span><span class=\"S14ED SA7 S2\" id=\"t11_104\">21,775 </span><span class=\"S1C16 SA7 S2\" id=\"t12_104\">Fees payable to authorities and other fees </span><span class=\"S1C17 SA7 S2\" id=\"t13_104\">54,751 </span><span class=\"S1C18 SA7 S2\" id=\"t14_104\">44,113 </span><span class=\"S1C19 SA7 S2\" id=\"t15_104\">Advertising </span><span class=\"S1C1A SA7 S2\" id=\"t16_104\">20,827 </span><span class=\"S1C1B SA7 S2\" id=\"t17_104\">19,457 </span><span class=\"S1C1C SA7 S2\" id=\"t18_104\">Administration expenses </span><span class=\"S1A0C SA7 S2\" id=\"t19_104\">17,211 </span><span class=\"S1A0D SA7 S2\" id=\"t1a_104\">14,662 </span><span class=\"S1C1D SA7 S2\" id=\"t1b_104\">Rental fees </span><span class=\"S1C1E SA7 S2\" id=\"t1c_104\">5,184 </span><span class=\"S1C1F SA7 S2\" id=\"t1d_104\">4,847 </span><span class=\"S1C20 SB S2\" id=\"t1e_104\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1f_104\">464,997 </span><span class=\"S19B3 SB S2\" id=\"t1g_104\">311,932 </span><span class=\"S1C21 SB S2\" id=\"t1h_104\">Total </span><span class=\"S1C22 SB S2\" id=\"t1i_104\">975,148 </span><span class=\"S1C23 SB S2\" id=\"t1j_104\">747,612 </span><span class=\"S1C24 S482 S2\" id=\"t1k_104\">2 </span><span class=\"S1C25 S483 S2\" id=\"t1l_104\">See details in Note 13 and Note 36. </span><span class=\"S1C26 S482 S2\" id=\"t1m_104\">3 </span><span class=\"S1C27 S483 S2\" id=\"t1n_104\">Special tax of financial institutions was paid by the Group in the amount of HUF 99,974 million for the year ended 31 December 2022 and </span><span class=\"S1C28 S483 S2\" id=\"t1o_104\">HUF 19,652 million for the year 2021, recognized as an expense thus decreased the corporate tax base. For the year ended 31 December 2022 </span><span class=\"S1C29 S483 S2\" id=\"t1p_104\">financial transaction duty was paid by the Bank in the amount of HUF 88,642 million while for the year ended 31 December 2021 the same </span><span class=\"S1C2A S483 S2\" id=\"t1q_104\">duty was HUF 68 billion. </span><span class=\"S1C2B SA7 S2\" id=\"t1r_104\">The table below contains the detailing of the fees for audit and non-audit services: </span><span class=\"S1C2C SB S2\" id=\"t1s_104\">Ernst &amp; Young Audit Ltd. </span><span class=\"S1C2D SB S2\" id=\"t1t_104\">2022 </span><span class=\"S1C2E SB S2\" id=\"t1u_104\">2021 </span><span class=\"S1C2F SB S2\" id=\"t1v_104\">In thousand EUR </span><span class=\"S1C30 SA7 S2\" id=\"t1w_104\">OTP </span><span class=\"S636 S5B9 S2\" id=\"t1x_104\">\u2013 </span><span class=\"S1C31 SA7 S2\" id=\"t1y_104\">annual audit </span><span class=\"S1C32 S5B9 S2\" id=\"t1z_104\">\u2013 </span><span class=\"S1C33 SA7 S2\" id=\"t20_104\">separate financial statements </span><span class=\"S1C34 SA7 S2\" id=\"t21_104\">458 </span><span class=\"S1C35 SA7 S2\" id=\"t22_104\">458 </span><span class=\"S1C36 SA7 S2\" id=\"t23_104\">OTP </span><span class=\"S1C37 S5B9 S2\" id=\"t24_104\">\u2013 </span><span class=\"S1C38 SA7 S2\" id=\"t25_104\">annual audit </span><span class=\"S1C39 S5B9 S2\" id=\"t26_104\">\u2013 </span><span class=\"S1C3A SA7 S2\" id=\"t27_104\">consolidated financial statements </span><span class=\"S1C3B SA7 S2\" id=\"t28_104\">738 </span><span class=\"S1C3C SA7 S2\" id=\"t29_104\">659 </span><span class=\"S1C3D SA7 S2\" id=\"t2a_104\">Other audit services based on statutory provisions to </span><span class=\"S1C3E SA7 S2\" id=\"t2b_104\">OTP Group members </span><span class=\"S1C3F SA7 S2\" id=\"t2c_104\">1,120 </span><span class=\"S1C40 SA7 S2\" id=\"t2d_104\">1,050 </span><span class=\"S1C41 SA7 S2\" id=\"t2e_104\">Other services providing assurance </span><span class=\"S1C42 SA7 S2\" id=\"t2f_104\">1,805 </span><span class=\"S1C43 SA7 S2\" id=\"t2g_104\">1,575 </span><span class=\"S1C44 SA7 S2\" id=\"t2h_104\">Other non-audit services </span><span class=\"S1C45 SA7 S2\" id=\"t2i_104\">426 </span><span class=\"S1C46 SA7 S2\" id=\"t2j_104\">316 </span><span class=\"S1459 SB S2\" id=\"t2k_104\">Total </span><span class=\"S1C47 SB S2\" id=\"t2l_104\">4,547 </span><span class=\"S1C48 SB S2\" id=\"t2m_104\">4,058 </span><span class=\"S1C49 SB S2\" id=\"t2n_104\">Ernst &amp; Young Network </span><span class=\"S1C4A SB S2\" id=\"t2o_104\">2022 </span><span class=\"S1C4B SB S2\" id=\"t2p_104\">2021 </span><span class=\"S1C4C SB S2\" id=\"t2q_104\">In thousand EUR </span><span class=\"S1C4D SA7 S2\" id=\"t2r_104\">Audit based on statutory provisions </span><span class=\"S1C4E SA7 S2\" id=\"t2s_104\">2,354 </span><span class=\"S1C4F SA7 S2\" id=\"t2t_104\">1,788 </span><span class=\"S1C50 SA7 S2\" id=\"t2u_104\">Other services providing assurance </span><span class=\"S1C51 SA7 S2\" id=\"t2v_104\">- </span><span class=\"S1C52 SA7 S2\" id=\"t2w_104\">- </span><span class=\"S1C53 SA7 S2\" id=\"t2x_104\">Tax consulting services </span><span class=\"S1C54 SA7 S2\" id=\"t2y_104\">209 </span><span class=\"S1C55 SA7 S2\" id=\"t2z_104\">29 </span><span class=\"S1C56 SA7 S2\" id=\"t30_104\">Other non-audit services </span><span class=\"S1C57 SA7 S2\" id=\"t31_104\">1,015 </span><span class=\"S1C58 SA7 S2\" id=\"t32_104\">209 </span><span class=\"S1C59 SB S2\" id=\"t33_104\">Total </span><span class=\"S1C5A SB S2\" id=\"t34_104\">3,578 </span><span class=\"S1C5B SB S2\" id=\"t35_104\">2,026 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5204": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_53\">NOTE 8: </span><span class=\"S6B1 SB S2\" id=\"t4_53\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_53\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_53\">2021 </span><span class=\"SE30 SB S2\" id=\"t7_53\">Securities held for trading </span><span class=\"SE31 SA7 S2\" id=\"t8_53\">Government bonds </span><span class=\"SE32 SA7 S2\" id=\"t9_53\">78,897 </span><span class=\"SE33 SA7 S2\" id=\"ta_53\">97,531 </span><span class=\"SE34 SA7 S2\" id=\"tb_53\">Equity instruments and fund units </span><span class=\"SE35 SA7 S2\" id=\"tc_53\">385 </span><span class=\"SE36 SA7 S2\" id=\"td_53\">1,173 </span><span class=\"SE37 SA7 S2\" id=\"te_53\">Corporate bonds </span><span class=\"SE38 SA7 S2\" id=\"tf_53\">119 </span><span class=\"SE39 SA7 S2\" id=\"tg_53\">740 </span><span class=\"SE3A SA7 S2\" id=\"th_53\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"ti_53\">22,896 </span><span class=\"SE3C SA7 S2\" id=\"tj_53\">923 </span><span class=\"SE3D SA7 S2\" id=\"tk_53\">Mortgage bonds </span><span class=\"SE3E SA7 S2\" id=\"tl_53\">72 </span><span class=\"SE3F SA7 S2\" id=\"tm_53\">101 </span><span class=\"SDC9 SA7 S2\" id=\"tn_53\">Other interest-bearing securities </span><span class=\"SE40 SA7 S2\" id=\"to_53\">1,628 </span><span class=\"SE41 SA7 S2\" id=\"tp_53\">1,347 </span><span class=\"SE42 SA7 S2\" id=\"tq_53\">Other non-interest-bearing securities </span><span class=\"SE43 SA7 S2\" id=\"tr_53\">753 </span><span class=\"SE44 SA7 S2\" id=\"ts_53\">1,695 </span><span class=\"SE45 SB S2\" id=\"tt_53\">104,750 </span><span class=\"SE46 SB S2\" id=\"tu_53\">103,510 </span><span class=\"SE47 SB S2\" id=\"tv_53\">Non-trading securities mandatorily at </span><span class=\"SE48 SB S2\" id=\"tw_53\">fair value through profit or loss </span><span class=\"SE49 SA7 S2\" id=\"tx_53\">Equity instruments, shares and open-ended fund units </span><span class=\"SE4A SA7 S2\" id=\"ty_53\">49,746 </span><span class=\"SE4B SA7 S2\" id=\"tz_53\">44,894 </span><span class=\"SE4C SA7 S2\" id=\"t10_53\">Bonds </span><span class=\"SE4D SA7 S2\" id=\"t11_53\">5,409 </span><span class=\"SE4E SA7 S2\" id=\"t12_53\">8,509 </span><span class=\"SE4F SB S2\" id=\"t13_53\">55,155 </span><span class=\"SE50 SB S2\" id=\"t14_53\">53,403 </span><span class=\"SE51 SB S2\" id=\"t15_53\">Debt securities designated at </span><span class=\"SE52 SB S2\" id=\"t16_53\">fair value through profit or loss </span><span class=\"SE53 SB S2\" id=\"t17_53\">- </span><span class=\"SE54 SB S2\" id=\"t18_53\">- </span><span class=\"SE55 SB S2\" id=\"t19_53\">Total </span><span class=\"SE56 SB S2\" id=\"t1a_53\">159,905 </span><span class=\"SE57 SB S2\" id=\"t1b_53\">156,913 </span><span class=\"SE58 SB S2\" id=\"t1c_53\">Positive fair value of derivative financial assets held for trading </span><span class=\"SE59 SB S2\" id=\"t1d_53\">2022 </span><span class=\"SE5A SB S2\" id=\"t1e_53\">2021 </span><span class=\"S6CB SA7 S2\" id=\"t1f_53\">Foreign exchange swaps held for trading </span><span class=\"SE5B SA7 S2\" id=\"t1g_53\">79,395 </span><span class=\"SE5C SA7 S2\" id=\"t1h_53\">38,728 </span><span class=\"SE5D SA7 S2\" id=\"t1i_53\">Interest rate swaps held for trading </span><span class=\"SE5E SA7 S2\" id=\"t1j_53\">127,230 </span><span class=\"SE5F SA7 S2\" id=\"t1k_53\">59,504 </span><span class=\"SE60 SA7 S2\" id=\"t1l_53\">Commodity swaps </span><span class=\"SE61 SA7 S2\" id=\"t1m_53\">33,693 </span><span class=\"SE62 SA7 S2\" id=\"t1n_53\">51,523 </span><span class=\"SE63 SA7 S2\" id=\"t1o_53\">CCIRS and mark-to-market CCIRS </span><span class=\"SE64 SA7 S2\" id=\"t1p_53\">held-for-trading </span><span class=\"SE65 SE8B S2\" id=\"t1q_53\">1 </span><span class=\"SE66 SA7 S2\" id=\"t1r_53\">20,512 </span><span class=\"SE67 SA7 S2\" id=\"t1s_53\">11,758 </span><span class=\"SE68 SA7 S2\" id=\"t1t_53\">Foreign exchange forward contracts held for trading </span><span class=\"SE69 SA7 S2\" id=\"t1u_53\">13,085 </span><span class=\"SE6A SA7 S2\" id=\"t1v_53\">10,790 </span><span class=\"SE6B SA7 S2\" id=\"t1w_53\">Held-for-trading option contracts </span><span class=\"SE6C SA7 S2\" id=\"t1x_53\">2,122 </span><span class=\"SE6D SA7 S2\" id=\"t1y_53\">1,285 </span><span class=\"SE6E SA7 S2\" id=\"t1z_53\">Held-for-trading forward security agreement </span><span class=\"SE6F SA7 S2\" id=\"t20_53\">13 </span><span class=\"SE70 SA7 S2\" id=\"t21_53\">- </span><span class=\"SE71 SA7 S2\" id=\"t22_53\">Other derivative transactions held for trading </span><span class=\"SE72 SE8B S2\" id=\"t23_53\">2 </span><span class=\"SE73 SA7 S2\" id=\"t24_53\">432 </span><span class=\"SE74 SA7 S2\" id=\"t25_53\">10,896 </span><span class=\"SE75 SB S2\" id=\"t26_53\">Total </span><span class=\"SE76 SB S2\" id=\"t27_53\">276,482 </span><span class=\"SE77 SB S2\" id=\"t28_53\">184,484 </span><span class=\"SE78 SB S2\" id=\"t29_53\">Total </span><span class=\"SE79 SB S2\" id=\"t2a_53\">436,387 </span><span class=\"SE7A SB S2\" id=\"t2b_53\">341,397 </span><span class=\"SE7B S482 S2\" id=\"t2c_53\">1 </span><span class=\"SE7C S483 S2\" id=\"t2d_53\">CCIRS: Cross Currency Interest Rate Swaps (See Note 2.6.3.) </span><span class=\"SE7D S482 S2\" id=\"t2e_53\">2 </span><span class=\"SE7E S483 S2\" id=\"t2f_53\">Other category includes: fx spot, equity swaps, option and index futures. </span><span class=\"SE7F SA7 S2\" id=\"t2g_53\">An analysis of securities held for trading portfolio by currency (%): </span><span class=\"SE80 SB S2\" id=\"t2h_53\">2022 </span><span class=\"SE81 SB S2\" id=\"t2i_53\">2021 </span><span class=\"SE82 SA7 S2\" id=\"t2j_53\">Denominated in HUF </span><span class=\"SE83 SA7 S2\" id=\"t2k_53\">81.47% </span><span class=\"SE84 SA7 S2\" id=\"t2l_53\">30.46% </span><span class=\"SE85 SA7 S2\" id=\"t2m_53\">Denominated in foreign currency </span><span class=\"SE86 SA7 S2\" id=\"t2n_53\">18.53% </span><span class=\"SE87 SA7 S2\" id=\"t2o_53\">69.54% </span><span class=\"SE88 SB S2\" id=\"t2p_53\">Total </span><span class=\"SE89 SB S2\" id=\"t2q_53\">100.0% </span><span class=\"SE8A SB S2\" id=\"t2r_53\">100.0% </span><span class=\"S583 SB S2\" id=\"t3_54\">NOTE 8: </span><span class=\"SE8C SB S2\" id=\"t4_54\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_54\">[continued] </span><span class=\"SE8D SA7 S2\" id=\"t6_54\">An analysis of government bond portfolio by currency (%): </span><span class=\"SE8E SB S2\" id=\"t7_54\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_54\">2021 </span><span class=\"SE90 SA7 S2\" id=\"t9_54\">Denominated in HUF </span><span class=\"SE91 SA7 S2\" id=\"ta_54\">78.42% </span><span class=\"SE92 SA7 S2\" id=\"tb_54\">28.31% </span><span class=\"SE93 SA7 S2\" id=\"tc_54\">Denominated in foreign currency </span><span class=\"SE94 SA7 S2\" id=\"td_54\">21.58% </span><span class=\"SE95 SA7 S2\" id=\"te_54\">71.69% </span><span class=\"SE96 SB S2\" id=\"tf_54\">Total </span><span class=\"SE97 SB S2\" id=\"tg_54\">100.00% </span><span class=\"SE98 SB S2\" id=\"th_54\">100.00% </span><span class=\"SE99 SA7 S2\" id=\"ti_54\">Interest conditions of held for trading securities (%): </span><span class=\"SE9A SB S2\" id=\"tj_54\">2022 </span><span class=\"SE9B SB S2\" id=\"tk_54\">2021 </span><span class=\"SE9C SA7 S2\" id=\"tl_54\">Interest rates on securities held for trading </span><span class=\"SE9D SA7 S2\" id=\"tm_54\">denominated in HUF </span><span class=\"SE9E SA7 S2\" id=\"tn_54\">0.00% - 16.69% </span><span class=\"SE9F SA7 S2\" id=\"to_54\">0.00% - 6.75% </span><span class=\"SEA0 SA7 S2\" id=\"tp_54\">Interest rates on securities held for trading </span><span class=\"SEA1 SA7 S2\" id=\"tq_54\">denominated in foreign currency </span><span class=\"SEA2 SA7 S2\" id=\"tr_54\">0.00% - 7.63% </span><span class=\"SEA3 SA7 S2\" id=\"ts_54\">0.00% - 9.57% </span><span class=\"SEA4 SA7 S2\" id=\"tt_54\">Interest conditions and the remaining maturities of </span><span class=\"SEA5 SB S2\" id=\"tu_54\">securities held for trading </span><span class=\"SEA6 SA7 S2\" id=\"tv_54\">can be analysed as follows: </span><span class=\"SEA7 SB S2\" id=\"tw_54\">2022 </span><span class=\"SEA8 SB S2\" id=\"tx_54\">2021 </span><span class=\"SEA9 SA7 S2\" id=\"ty_54\">Within one year </span><span class=\"SEAA SA7 S2\" id=\"tz_54\">With variable interest </span><span class=\"SEAB SA7 S2\" id=\"t10_54\">3,041 </span><span class=\"SEAC SA7 S2\" id=\"t11_54\">111 </span><span class=\"SEAD SA7 S2\" id=\"t12_54\">With fixed interest </span><span class=\"SEAE SA7 S2\" id=\"t13_54\">29,025 </span><span class=\"SEAF SA7 S2\" id=\"t14_54\">44,011 </span><span class=\"SEB0 SB S2\" id=\"t15_54\">32,066 </span><span class=\"SEB1 SB S2\" id=\"t16_54\">44,122 </span><span class=\"SEB2 SA7 S2\" id=\"t17_54\">Over one year </span><span class=\"SEB3 SA7 S2\" id=\"t18_54\">With variable interest </span><span class=\"SEB4 SA7 S2\" id=\"t19_54\">9,535 </span><span class=\"SEB5 SA7 S2\" id=\"t1a_54\">1,544 </span><span class=\"SEB6 SA7 S2\" id=\"t1b_54\">With fixed interest </span><span class=\"SEB7 SA7 S2\" id=\"t1c_54\">62,011 </span><span class=\"SEB8 SA7 S2\" id=\"t1d_54\">54,976 </span><span class=\"SEB9 SB S2\" id=\"t1e_54\">71,546 </span><span class=\"SEBA SB S2\" id=\"t1f_54\">56,520 </span><span class=\"SEBB SA7 S2\" id=\"t1g_54\">Non-interest-bearing securities </span><span class=\"SEBC SA7 S2\" id=\"t1h_54\">1,138 </span><span class=\"SEBD SA7 S2\" id=\"t1i_54\">2,868 </span><span class=\"SEBE SB S2\" id=\"t1j_54\">Total </span><span class=\"SEBF SB S2\" id=\"t1k_54\">104,750 </span><span class=\"SEC0 SB S2\" id=\"t1l_54\">103,510 </span><span class=\"SEC1 SB S2\" id=\"t1m_54\">2022 </span><span class=\"SEC2 SB S2\" id=\"t1n_54\">2021 </span><span class=\"SEC3 SA7 S2\" id=\"t1o_54\">Profit from associates from shares measured </span><span class=\"SEC4 SA7 S2\" id=\"t1p_54\">at fair value through profit or loss </span><span class=\"SEC5 SA7 S2\" id=\"t1q_54\">12,216 </span><span class=\"SEC6 SA7 S2\" id=\"t1r_54\">3,893 </span><span class=\"SEC7 SA7 S2\" id=\"t1s_54\">An analysis of </span><span class=\"SEC8 SB S2\" id=\"t1t_54\">non-trading securities </span><span class=\"SEC9 SA7 S2\" id=\"t1u_54\">mandatorily measured at fair value through profit or loss portfolio by </span><span class=\"SECA SA7 S2\" id=\"t1v_54\">currency (%): </span><span class=\"SECB SB S2\" id=\"t1w_54\">2022 </span><span class=\"SECC SB S2\" id=\"t1x_54\">2021 </span><span class=\"SECD SA7 S2\" id=\"t1y_54\">Denominated in HUF </span><span class=\"SECE SA7 S2\" id=\"t1z_54\">60.69% </span><span class=\"SECF SA7 S2\" id=\"t20_54\">57.11% </span><span class=\"SED0 SA7 S2\" id=\"t21_54\">Denominated in foreign currency </span><span class=\"SED1 SA7 S2\" id=\"t22_54\">39.31% </span><span class=\"SED2 SA7 S2\" id=\"t23_54\">42.89% </span><span class=\"SED3 SB S2\" id=\"t24_54\">Total </span><span class=\"SED4 SB S2\" id=\"t25_54\">100.00% </span><span class=\"SED5 SB S2\" id=\"t26_54\">100.00% </span><span class=\"SED6 SB S2\" id=\"t27_54\">2022 </span><span class=\"SED7 SB S2\" id=\"t28_54\">2021 </span><span class=\"SED8 SA7 S2\" id=\"t29_54\">Interest rates on non-trading securities mandatorily </span><span class=\"SED9 SA7 S2\" id=\"t2a_54\">measured at fair value through profit or loss </span><span class=\"SEDA SA7 S2\" id=\"t2b_54\">0.00% - 0.00% </span><span class=\"SEDB SA7 S2\" id=\"t2c_54\">0.00% - 0.00% </span><span class=\"SFA4 SB S2\" id=\"t3_84\">NOTE 22: </span><span class=\"S6E4 SB S2\" id=\"t4_84\">DERIVATIVE FINANCIAL LIABILITIES HELD FOR TRADING (in HUF mn) </span><span class=\"S1761 SA7 S2\" id=\"t5_84\">Negative fair value of derivative financial liabilities held for trading by type of contracts </span><span class=\"S1762 SB S2\" id=\"t6_84\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_84\">2021 </span><span class=\"S1764 SA7 S2\" id=\"t8_84\">Foreign exchange swaps held for trading </span><span class=\"S1765 SA7 S2\" id=\"t9_84\">83,149 </span><span class=\"S1766 SA7 S2\" id=\"ta_84\">46,380 </span><span class=\"S1767 SA7 S2\" id=\"tb_84\">Commodity swaps </span><span class=\"S1768 SA7 S2\" id=\"tc_84\">31,632 </span><span class=\"S1769 SA7 S2\" id=\"td_84\">51,508 </span><span class=\"S176A SA7 S2\" id=\"te_84\">Interest rate swaps held for trading </span><span class=\"S176B SA7 S2\" id=\"tf_84\">237,269 </span><span class=\"S176C SA7 S2\" id=\"tg_84\">87,945 </span><span class=\"S176D SA7 S2\" id=\"th_84\">Foreign exchange forward contracts </span><span class=\"S176E SA7 S2\" id=\"ti_84\">held-for-trading </span><span class=\"S176F SA7 S2\" id=\"tj_84\">13,740 </span><span class=\"S1770 SA7 S2\" id=\"tk_84\">7,738 </span><span class=\"S1771 SA7 S2\" id=\"tl_84\">CCIRS and mark-to-market CCIRS </span><span class=\"S1772 SA7 S2\" id=\"tm_84\">held for trading </span><span class=\"S14E2 SA7 S2\" id=\"tn_84\">15,759 </span><span class=\"S1773 SA7 S2\" id=\"to_84\">7,789 </span><span class=\"S1774 SA7 S2\" id=\"tp_84\">Held for trading option contracts </span><span class=\"S1775 SA7 S2\" id=\"tq_84\">1,891 </span><span class=\"S1776 SA7 S2\" id=\"tr_84\">479 </span><span class=\"S1777 SA7 S2\" id=\"ts_84\">Held-for-trading forward security agreement </span><span class=\"S1778 SA7 S2\" id=\"tt_84\">- </span><span class=\"S1779 SA7 S2\" id=\"tu_84\">13 </span><span class=\"S177A SA7 S2\" id=\"tv_84\">Other derivative transactions held for trading </span><span class=\"S177B SE8B S2\" id=\"tw_84\">1 </span><span class=\"S177C SA7 S2\" id=\"tx_84\">2,307 </span><span class=\"S177D SA7 S2\" id=\"ty_84\">864 </span><span class=\"S177E SB S2\" id=\"tz_84\">Total </span><span class=\"S177F SB S2\" id=\"t10_84\">385,747 </span><span class=\"S1780 SB S2\" id=\"t11_84\">202,716 </span><span class=\"S1781 S482 S2\" id=\"t12_84\">1 </span><span class=\"S1782 S483 S2\" id=\"t13_84\">Other category includes: fx spot, equity swaps, forward rate agreement, options and index futures. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5205": {
   "value": "<span class=\"S583 SB S2\" id=\"t3_53\">NOTE 8: </span><span class=\"S6B1 SB S2\" id=\"t4_53\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_53\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_53\">2021 </span><span class=\"SE30 SB S2\" id=\"t7_53\">Securities held for trading </span><span class=\"SE31 SA7 S2\" id=\"t8_53\">Government bonds </span><span class=\"SE32 SA7 S2\" id=\"t9_53\">78,897 </span><span class=\"SE33 SA7 S2\" id=\"ta_53\">97,531 </span><span class=\"SE34 SA7 S2\" id=\"tb_53\">Equity instruments and fund units </span><span class=\"SE35 SA7 S2\" id=\"tc_53\">385 </span><span class=\"SE36 SA7 S2\" id=\"td_53\">1,173 </span><span class=\"SE37 SA7 S2\" id=\"te_53\">Corporate bonds </span><span class=\"SE38 SA7 S2\" id=\"tf_53\">119 </span><span class=\"SE39 SA7 S2\" id=\"tg_53\">740 </span><span class=\"SE3A SA7 S2\" id=\"th_53\">Discounted Treasury bills </span><span class=\"SE3B SA7 S2\" id=\"ti_53\">22,896 </span><span class=\"SE3C SA7 S2\" id=\"tj_53\">923 </span><span class=\"SE3D SA7 S2\" id=\"tk_53\">Mortgage bonds </span><span class=\"SE3E SA7 S2\" id=\"tl_53\">72 </span><span class=\"SE3F SA7 S2\" id=\"tm_53\">101 </span><span class=\"SDC9 SA7 S2\" id=\"tn_53\">Other interest-bearing securities </span><span class=\"SE40 SA7 S2\" id=\"to_53\">1,628 </span><span class=\"SE41 SA7 S2\" id=\"tp_53\">1,347 </span><span class=\"SE42 SA7 S2\" id=\"tq_53\">Other non-interest-bearing securities </span><span class=\"SE43 SA7 S2\" id=\"tr_53\">753 </span><span class=\"SE44 SA7 S2\" id=\"ts_53\">1,695 </span><span class=\"SE45 SB S2\" id=\"tt_53\">104,750 </span><span class=\"SE46 SB S2\" id=\"tu_53\">103,510 </span><span class=\"SE47 SB S2\" id=\"tv_53\">Non-trading securities mandatorily at </span><span class=\"SE48 SB S2\" id=\"tw_53\">fair value through profit or loss </span><span class=\"SE49 SA7 S2\" id=\"tx_53\">Equity instruments, shares and open-ended fund units </span><span class=\"SE4A SA7 S2\" id=\"ty_53\">49,746 </span><span class=\"SE4B SA7 S2\" id=\"tz_53\">44,894 </span><span class=\"SE4C SA7 S2\" id=\"t10_53\">Bonds </span><span class=\"SE4D SA7 S2\" id=\"t11_53\">5,409 </span><span class=\"SE4E SA7 S2\" id=\"t12_53\">8,509 </span><span class=\"SE4F SB S2\" id=\"t13_53\">55,155 </span><span class=\"SE50 SB S2\" id=\"t14_53\">53,403 </span><span class=\"SE51 SB S2\" id=\"t15_53\">Debt securities designated at </span><span class=\"SE52 SB S2\" id=\"t16_53\">fair value through profit or loss </span><span class=\"SE53 SB S2\" id=\"t17_53\">- </span><span class=\"SE54 SB S2\" id=\"t18_53\">- </span><span class=\"SE55 SB S2\" id=\"t19_53\">Total </span><span class=\"SE56 SB S2\" id=\"t1a_53\">159,905 </span><span class=\"SE57 SB S2\" id=\"t1b_53\">156,913 </span><span class=\"SE58 SB S2\" id=\"t1c_53\">Positive fair value of derivative financial assets held for trading </span><span class=\"SE59 SB S2\" id=\"t1d_53\">2022 </span><span class=\"SE5A SB S2\" id=\"t1e_53\">2021 </span><span class=\"S6CB SA7 S2\" id=\"t1f_53\">Foreign exchange swaps held for trading </span><span class=\"SE5B SA7 S2\" id=\"t1g_53\">79,395 </span><span class=\"SE5C SA7 S2\" id=\"t1h_53\">38,728 </span><span class=\"SE5D SA7 S2\" id=\"t1i_53\">Interest rate swaps held for trading </span><span class=\"SE5E SA7 S2\" id=\"t1j_53\">127,230 </span><span class=\"SE5F SA7 S2\" id=\"t1k_53\">59,504 </span><span class=\"SE60 SA7 S2\" id=\"t1l_53\">Commodity swaps </span><span class=\"SE61 SA7 S2\" id=\"t1m_53\">33,693 </span><span class=\"SE62 SA7 S2\" id=\"t1n_53\">51,523 </span><span class=\"SE63 SA7 S2\" id=\"t1o_53\">CCIRS and mark-to-market CCIRS </span><span class=\"SE64 SA7 S2\" id=\"t1p_53\">held-for-trading </span><span class=\"SE65 SE8B S2\" id=\"t1q_53\">1 </span><span class=\"SE66 SA7 S2\" id=\"t1r_53\">20,512 </span><span class=\"SE67 SA7 S2\" id=\"t1s_53\">11,758 </span><span class=\"SE68 SA7 S2\" id=\"t1t_53\">Foreign exchange forward contracts held for trading </span><span class=\"SE69 SA7 S2\" id=\"t1u_53\">13,085 </span><span class=\"SE6A SA7 S2\" id=\"t1v_53\">10,790 </span><span class=\"SE6B SA7 S2\" id=\"t1w_53\">Held-for-trading option contracts </span><span class=\"SE6C SA7 S2\" id=\"t1x_53\">2,122 </span><span class=\"SE6D SA7 S2\" id=\"t1y_53\">1,285 </span><span class=\"SE6E SA7 S2\" id=\"t1z_53\">Held-for-trading forward security agreement </span><span class=\"SE6F SA7 S2\" id=\"t20_53\">13 </span><span class=\"SE70 SA7 S2\" id=\"t21_53\">- </span><span class=\"SE71 SA7 S2\" id=\"t22_53\">Other derivative transactions held for trading </span><span class=\"SE72 SE8B S2\" id=\"t23_53\">2 </span><span class=\"SE73 SA7 S2\" id=\"t24_53\">432 </span><span class=\"SE74 SA7 S2\" id=\"t25_53\">10,896 </span><span class=\"SE75 SB S2\" id=\"t26_53\">Total </span><span class=\"SE76 SB S2\" id=\"t27_53\">276,482 </span><span class=\"SE77 SB S2\" id=\"t28_53\">184,484 </span><span class=\"SE78 SB S2\" id=\"t29_53\">Total </span><span class=\"SE79 SB S2\" id=\"t2a_53\">436,387 </span><span class=\"SE7A SB S2\" id=\"t2b_53\">341,397 </span><span class=\"SE7B S482 S2\" id=\"t2c_53\">1 </span><span class=\"SE7C S483 S2\" id=\"t2d_53\">CCIRS: Cross Currency Interest Rate Swaps (See Note 2.6.3.) </span><span class=\"SE7D S482 S2\" id=\"t2e_53\">2 </span><span class=\"SE7E S483 S2\" id=\"t2f_53\">Other category includes: fx spot, equity swaps, option and index futures. </span><span class=\"SE7F SA7 S2\" id=\"t2g_53\">An analysis of securities held for trading portfolio by currency (%): </span><span class=\"SE80 SB S2\" id=\"t2h_53\">2022 </span><span class=\"SE81 SB S2\" id=\"t2i_53\">2021 </span><span class=\"SE82 SA7 S2\" id=\"t2j_53\">Denominated in HUF </span><span class=\"SE83 SA7 S2\" id=\"t2k_53\">81.47% </span><span class=\"SE84 SA7 S2\" id=\"t2l_53\">30.46% </span><span class=\"SE85 SA7 S2\" id=\"t2m_53\">Denominated in foreign currency </span><span class=\"SE86 SA7 S2\" id=\"t2n_53\">18.53% </span><span class=\"SE87 SA7 S2\" id=\"t2o_53\">69.54% </span><span class=\"SE88 SB S2\" id=\"t2p_53\">Total </span><span class=\"SE89 SB S2\" id=\"t2q_53\">100.0% </span><span class=\"SE8A SB S2\" id=\"t2r_53\">100.0% </span><span class=\"S583 SB S2\" id=\"t3_54\">NOTE 8: </span><span class=\"SE8C SB S2\" id=\"t4_54\">FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_54\">[continued] </span><span class=\"SE8D SA7 S2\" id=\"t6_54\">An analysis of government bond portfolio by currency (%): </span><span class=\"SE8E SB S2\" id=\"t7_54\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_54\">2021 </span><span class=\"SE90 SA7 S2\" id=\"t9_54\">Denominated in HUF </span><span class=\"SE91 SA7 S2\" id=\"ta_54\">78.42% </span><span class=\"SE92 SA7 S2\" id=\"tb_54\">28.31% </span><span class=\"SE93 SA7 S2\" id=\"tc_54\">Denominated in foreign currency </span><span class=\"SE94 SA7 S2\" id=\"td_54\">21.58% </span><span class=\"SE95 SA7 S2\" id=\"te_54\">71.69% </span><span class=\"SE96 SB S2\" id=\"tf_54\">Total </span><span class=\"SE97 SB S2\" id=\"tg_54\">100.00% </span><span class=\"SE98 SB S2\" id=\"th_54\">100.00% </span><span class=\"SE99 SA7 S2\" id=\"ti_54\">Interest conditions of held for trading securities (%): </span><span class=\"SE9A SB S2\" id=\"tj_54\">2022 </span><span class=\"SE9B SB S2\" id=\"tk_54\">2021 </span><span class=\"SE9C SA7 S2\" id=\"tl_54\">Interest rates on securities held for trading </span><span class=\"SE9D SA7 S2\" id=\"tm_54\">denominated in HUF </span><span class=\"SE9E SA7 S2\" id=\"tn_54\">0.00% - 16.69% </span><span class=\"SE9F SA7 S2\" id=\"to_54\">0.00% - 6.75% </span><span class=\"SEA0 SA7 S2\" id=\"tp_54\">Interest rates on securities held for trading </span><span class=\"SEA1 SA7 S2\" id=\"tq_54\">denominated in foreign currency </span><span class=\"SEA2 SA7 S2\" id=\"tr_54\">0.00% - 7.63% </span><span class=\"SEA3 SA7 S2\" id=\"ts_54\">0.00% - 9.57% </span><span class=\"SEA4 SA7 S2\" id=\"tt_54\">Interest conditions and the remaining maturities of </span><span class=\"SEA5 SB S2\" id=\"tu_54\">securities held for trading </span><span class=\"SEA6 SA7 S2\" id=\"tv_54\">can be analysed as follows: </span><span class=\"SEA7 SB S2\" id=\"tw_54\">2022 </span><span class=\"SEA8 SB S2\" id=\"tx_54\">2021 </span><span class=\"SEA9 SA7 S2\" id=\"ty_54\">Within one year </span><span class=\"SEAA SA7 S2\" id=\"tz_54\">With variable interest </span><span class=\"SEAB SA7 S2\" id=\"t10_54\">3,041 </span><span class=\"SEAC SA7 S2\" id=\"t11_54\">111 </span><span class=\"SEAD SA7 S2\" id=\"t12_54\">With fixed interest </span><span class=\"SEAE SA7 S2\" id=\"t13_54\">29,025 </span><span class=\"SEAF SA7 S2\" id=\"t14_54\">44,011 </span><span class=\"SEB0 SB S2\" id=\"t15_54\">32,066 </span><span class=\"SEB1 SB S2\" id=\"t16_54\">44,122 </span><span class=\"SEB2 SA7 S2\" id=\"t17_54\">Over one year </span><span class=\"SEB3 SA7 S2\" id=\"t18_54\">With variable interest </span><span class=\"SEB4 SA7 S2\" id=\"t19_54\">9,535 </span><span class=\"SEB5 SA7 S2\" id=\"t1a_54\">1,544 </span><span class=\"SEB6 SA7 S2\" id=\"t1b_54\">With fixed interest </span><span class=\"SEB7 SA7 S2\" id=\"t1c_54\">62,011 </span><span class=\"SEB8 SA7 S2\" id=\"t1d_54\">54,976 </span><span class=\"SEB9 SB S2\" id=\"t1e_54\">71,546 </span><span class=\"SEBA SB S2\" id=\"t1f_54\">56,520 </span><span class=\"SEBB SA7 S2\" id=\"t1g_54\">Non-interest-bearing securities </span><span class=\"SEBC SA7 S2\" id=\"t1h_54\">1,138 </span><span class=\"SEBD SA7 S2\" id=\"t1i_54\">2,868 </span><span class=\"SEBE SB S2\" id=\"t1j_54\">Total </span><span class=\"SEBF SB S2\" id=\"t1k_54\">104,750 </span><span class=\"SEC0 SB S2\" id=\"t1l_54\">103,510 </span><span class=\"SEC1 SB S2\" id=\"t1m_54\">2022 </span><span class=\"SEC2 SB S2\" id=\"t1n_54\">2021 </span><span class=\"SEC3 SA7 S2\" id=\"t1o_54\">Profit from associates from shares measured </span><span class=\"SEC4 SA7 S2\" id=\"t1p_54\">at fair value through profit or loss </span><span class=\"SEC5 SA7 S2\" id=\"t1q_54\">12,216 </span><span class=\"SEC6 SA7 S2\" id=\"t1r_54\">3,893 </span><span class=\"SEC7 SA7 S2\" id=\"t1s_54\">An analysis of </span><span class=\"SEC8 SB S2\" id=\"t1t_54\">non-trading securities </span><span class=\"SEC9 SA7 S2\" id=\"t1u_54\">mandatorily measured at fair value through profit or loss portfolio by </span><span class=\"SECA SA7 S2\" id=\"t1v_54\">currency (%): </span><span class=\"SECB SB S2\" id=\"t1w_54\">2022 </span><span class=\"SECC SB S2\" id=\"t1x_54\">2021 </span><span class=\"SECD SA7 S2\" id=\"t1y_54\">Denominated in HUF </span><span class=\"SECE SA7 S2\" id=\"t1z_54\">60.69% </span><span class=\"SECF SA7 S2\" id=\"t20_54\">57.11% </span><span class=\"SED0 SA7 S2\" id=\"t21_54\">Denominated in foreign currency </span><span class=\"SED1 SA7 S2\" id=\"t22_54\">39.31% </span><span class=\"SED2 SA7 S2\" id=\"t23_54\">42.89% </span><span class=\"SED3 SB S2\" id=\"t24_54\">Total </span><span class=\"SED4 SB S2\" id=\"t25_54\">100.00% </span><span class=\"SED5 SB S2\" id=\"t26_54\">100.00% </span><span class=\"SED6 SB S2\" id=\"t27_54\">2022 </span><span class=\"SED7 SB S2\" id=\"t28_54\">2021 </span><span class=\"SED8 SA7 S2\" id=\"t29_54\">Interest rates on non-trading securities mandatorily </span><span class=\"SED9 SA7 S2\" id=\"t2a_54\">measured at fair value through profit or loss </span><span class=\"SEDA SA7 S2\" id=\"t2b_54\">0.00% - 0.00% </span><span class=\"SEDB SA7 S2\" id=\"t2c_54\">0.00% - 0.00% </span><span class=\"S108E SB S2\" id=\"t1t_61\">Loans mandatorily at fair value through profit or loss </span><span class=\"S108F SB S2\" id=\"t1u_61\">2022 </span><span class=\"S1090 SB S2\" id=\"t1v_61\">2021 </span><span class=\"S1091 SA7 S2\" id=\"t1w_61\">Within one year </span><span class=\"S1092 SA7 S2\" id=\"t1x_61\">In HUF </span><span class=\"S1093 SA7 S2\" id=\"t1y_61\">70,883 </span><span class=\"S1094 SA7 S2\" id=\"t1z_61\">61,537 </span><span class=\"S1095 SA7 S2\" id=\"t20_61\">In foreign currency </span><span class=\"S1096 SA7 S2\" id=\"t21_61\">- </span><span class=\"S1097 SA7 S2\" id=\"t22_61\">- </span><span class=\"S1098 SB S2\" id=\"t23_61\">70,883 </span><span class=\"S1099 SB S2\" id=\"t24_61\">61,537 </span><span class=\"S109A SA7 S2\" id=\"t25_61\">Over one year </span><span class=\"S109B SA7 S2\" id=\"t26_61\">In HUF </span><span class=\"S109C SA7 S2\" id=\"t27_61\">1,176,531 </span><span class=\"S109D SA7 S2\" id=\"t28_61\">1,006,293 </span><span class=\"S109E SA7 S2\" id=\"t29_61\">In foreign currency </span><span class=\"S109F SA7 S2\" id=\"t2a_61\">- </span><span class=\"S10A0 SA7 S2\" id=\"t2b_61\">281 </span><span class=\"S10A1 SB S2\" id=\"t2c_61\">1,176,531 </span><span class=\"S10A2 SB S2\" id=\"t2d_61\">1,006,574 </span><span class=\"S10A3 SB S2\" id=\"t2e_61\">Total </span><span class=\"S10A4 SB S2\" id=\"t2f_61\">1,247,414 </span><span class=\"S10A5 SB S2\" id=\"t2g_61\">1,068,111 </span><span class=\"SFA4 SB S2\" id=\"t3_62\">NOTE 11: </span><span class=\"S10A7 SB S2\" id=\"t4_62\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) [continued] </span><span class=\"S10A8 SA7 S2\" id=\"t5_62\">An analysis of the loan portfolio mandatorily at fair value through profit or loss by currency (%): </span><span class=\"S10A9 SB S2\" id=\"t6_62\">2022 </span><span class=\"S10AA SB S2\" id=\"t7_62\">2021 </span><span class=\"S10AB SA7 S2\" id=\"t8_62\">In HUF </span><span class=\"S10AC SA7 S2\" id=\"t9_62\">100.00% </span><span class=\"S10AD SA7 S2\" id=\"ta_62\">99.17% </span><span class=\"S10AE SA7 S2\" id=\"tb_62\">In foreign currency </span><span class=\"S10AF SA7 S2\" id=\"tc_62\">0.00% </span><span class=\"S10B0 SA7 S2\" id=\"td_62\">0.83% </span><span class=\"S10B1 SB S2\" id=\"te_62\">Total </span><span class=\"S10B2 SB S2\" id=\"tf_62\">100.00% </span><span class=\"S10B3 SB S2\" id=\"tg_62\">100.00% </span><span class=\"S10B4 SA7 S2\" id=\"th_62\">Interest rates of the loan portfolio mandatorily at fair value through profit or loss are as follows (%): </span><span class=\"S10B5 SB S2\" id=\"ti_62\">2022 </span><span class=\"S10B6 SB S2\" id=\"tj_62\">2021 </span><span class=\"S10B7 SA7 S2\" id=\"tk_62\">Interest rates on loans denominated </span><span class=\"S10B8 SA7 S2\" id=\"tl_62\">in HUF </span><span class=\"S10B9 SA7 S2\" id=\"tm_62\">1.12% - 18.26% </span><span class=\"S10BA SA7 S2\" id=\"tn_62\">1.21% - 10.83% </span><span class=\"S10BB SA7 S2\" id=\"to_62\">Interest rates on loans denominated </span><span class=\"S10BC SA7 S2\" id=\"tp_62\">in foreign currency </span><span class=\"S10BD SA7 S2\" id=\"tq_62\">- </span><span class=\"S10BE SA7 S2\" id=\"tr_62\">4.00% - 4.00% </span><span class=\"SEA7 SB S2\" id=\"ts_62\">2022 </span><span class=\"SEA8 SB S2\" id=\"tt_62\">2021 </span><span class=\"S10BF SA7 S2\" id=\"tu_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C0 SA7 S2\" id=\"tv_62\">profit or loss denominated in HUF (%) </span><span class=\"S10C1 SA7 S2\" id=\"tw_62\">4.55% </span><span class=\"S10C2 SA7 S2\" id=\"tx_62\">4.17% </span><span class=\"S10C3 SA7 S2\" id=\"ty_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C4 SA7 S2\" id=\"tz_62\">profit or loss denominated in foreign currency (%) </span><span class=\"S10C5 SA7 S2\" id=\"t10_62\">0.04% </span><span class=\"S10C6 SA7 S2\" id=\"t11_62\">1.82% </span><span class=\"SFA4 SB S2\" id=\"t3_78\">NOTE 19: </span><span class=\"S13FD SB S2\" id=\"t4_78\">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR </span><span class=\"S14CF SB S2\" id=\"t5_78\">LOSS (in HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_78\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_78\">2021 </span><span class=\"S14D2 SA7 S2\" id=\"t8_78\">Within one year </span><span class=\"S14D3 SA7 S2\" id=\"t9_78\">In HUF </span><span class=\"S14D4 SA7 S2\" id=\"ta_78\">1,716 </span><span class=\"S14D5 SA7 S2\" id=\"tb_78\">1,784 </span><span class=\"S14D6 SA7 S2\" id=\"tc_78\">In foreign currency </span><span class=\"S14D7 SA7 S2\" id=\"td_78\">- </span><span class=\"S14D8 SA7 S2\" id=\"te_78\">- </span><span class=\"S14D9 SB S2\" id=\"tf_78\">1,716 </span><span class=\"S14DA SB S2\" id=\"tg_78\">1,784 </span><span class=\"S14DB SA7 S2\" id=\"th_78\">Over one year </span><span class=\"S14DC SA7 S2\" id=\"ti_78\">In HUF </span><span class=\"S14DD SA7 S2\" id=\"tj_78\">52,475 </span><span class=\"S14DE SA7 S2\" id=\"tk_78\">39,400 </span><span class=\"S14DF SA7 S2\" id=\"tl_78\">In foreign currency </span><span class=\"S14E0 SA7 S2\" id=\"tm_78\">- </span><span class=\"S14E1 SA7 S2\" id=\"tn_78\">- </span><span class=\"S14E2 SB S2\" id=\"to_78\">52,475 </span><span class=\"S14E3 SB S2\" id=\"tp_78\">39,400 </span><span class=\"S14E4 SB S2\" id=\"tq_78\">Total </span><span class=\"S14E5 SB S2\" id=\"tr_78\">54,191 </span><span class=\"S14E6 SB S2\" id=\"ts_78\">41,184 </span><span class=\"S14E7 SA7 S2\" id=\"tt_78\">Contractual amount outstanding </span><span class=\"S14E8 SA7 S2\" id=\"tu_78\">19,853 </span><span class=\"S14E9 SA7 S2\" id=\"tv_78\">21,479 </span><span class=\"S14EA SA7 S2\" id=\"tw_78\">Result from associated entity's measured </span><span class=\"S14EB SA7 S2\" id=\"tx_78\">at fair value attributable to the Group </span><span class=\"S14EC SA7 S2\" id=\"ty_78\">37,616 </span><span class=\"S14ED SA7 S2\" id=\"tz_78\">21,051 </span><span class=\"S14EE SA7 S2\" id=\"t10_78\">Interest conditions of financial liabilities designated at fair value through profit or loss can be analysed as follows: </span><span class=\"S14EF SB S2\" id=\"t11_78\">2022 </span><span class=\"S14F0 SB S2\" id=\"t12_78\">2021 </span><span class=\"S14F1 SA7 S2\" id=\"t13_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F2 SA7 S2\" id=\"t14_78\">fair value denominated in HUF within one year </span><span class=\"S14F3 SA7 S2\" id=\"t15_78\">2.19% - 3.96% </span><span class=\"S14F4 SA7 S2\" id=\"t16_78\">0.46% - 2.46% </span><span class=\"S14F5 SA7 S2\" id=\"t17_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F6 SA7 S2\" id=\"t18_78\">fair value denominated in HUF over one year </span><span class=\"S14F7 SA7 S2\" id=\"t19_78\">0.01% - 4.63% </span><span class=\"S14F8 SA7 S2\" id=\"t1a_78\">0.01% - 2.90% </span><span class=\"S14F9 S5B9 S2\" id=\"t1b_78\">Certain MFB (\u201cHungarian Development Bank\u201d) refinanced loan receivables are categorised as fair value through </span><span class=\"S14FA SA7 S2\" id=\"t1c_78\">profit or loss based on SPPI test. Related refinancing loans at the liability side are categorised as fair value through </span><span class=\"S14FB SA7 S2\" id=\"t1d_78\">profit or loss based on fair value option due to accounting mismatch as provided by the IFRS 9 standard. </span><span class=\"SC5A SA7 S2\" id=\"t1e_78\">The Group controls capital funds where it does not hold the 100% of the owner rights. The related non-controlling </span><span class=\"S14FC SA7 S2\" id=\"t1f_78\">interest is treated as financial liability designated at fair value through profit or loss as it is not considered equity </span><span class=\"S14FD SA7 S2\" id=\"t1g_78\">under IAS 32. </span><span class=\"SFA4 SB S2\" id=\"t3_101\">NOTE 33: </span><span class=\"SDB9 SB S2\" id=\"t4_101\">GAIN AND LOSSES BY TRANSACTIONS (in HUF mn) </span><span class=\"S1B20 SB S2\" id=\"t5_101\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_101\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_101\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_101\">Gain by transactions </span><span class=\"S1B22 SA7 S2\" id=\"t9_101\">7,173 </span><span class=\"S1B23 SA7 S2\" id=\"ta_101\">5,662 </span><span class=\"S1B24 SA7 S2\" id=\"tb_101\">Loss by transactions </span><span class=\"S1B25 SA7 S2\" id=\"tc_101\">(3,700) </span><span class=\"S1B26 SA7 S2\" id=\"td_101\">(4,808) </span><span class=\"S1B27 SB S2\" id=\"te_101\">Gain from sale of loans, placements, finance lease </span><span class=\"S19EC SB S2\" id=\"tf_101\">3,473 </span><span class=\"S1B28 SB S2\" id=\"tg_101\">854 </span><span class=\"S1B29 SA7 S2\" id=\"th_101\">Gain by transactions </span><span class=\"S1B2A SA7 S2\" id=\"ti_101\">41 </span><span class=\"S1B06 SA7 S2\" id=\"tj_101\">3,552 </span><span class=\"S1B2B SA7 S2\" id=\"tk_101\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_101\">(5,169) </span><span class=\"S19F3 SA7 S2\" id=\"tm_101\">(2,521) </span><span class=\"S1B2C SB S2\" id=\"tn_101\">(Loss) / Gain from derecognition of securities </span><span class=\"S1B2D SB S2\" id=\"to_101\">and other receivables at amortized cost </span><span class=\"S19F8 SB S2\" id=\"tp_101\">(5,128) </span><span class=\"S1B0F SB S2\" id=\"tq_101\">1,031 </span><span class=\"S1B2E SB S2\" id=\"tr_101\">(Loss) / Gain from derecognition of financial </span><span class=\"S1B2F SB S2\" id=\"ts_101\">assets at amortized cost </span><span class=\"S1B30 SB S2\" id=\"tt_101\">(1,655) </span><span class=\"S1B31 SB S2\" id=\"tu_101\">1,885 </span><span class=\"S1B32 SA7 S2\" id=\"tv_101\">Foreign exchange result consists of revaluation difference from converting assets and liabilities in foreign </span><span class=\"S1B33 SA7 S2\" id=\"tw_101\">currencies into the presentation currency of the consolidation financial statements. </span><span class=\"S1B34 SB S2\" id=\"tx_101\">Gains and losses by transactions </span><span class=\"S1B35 SB S2\" id=\"ty_101\">2022 </span><span class=\"S1B36 SB S2\" id=\"tz_101\">2021 </span><span class=\"S1B37 SA7 S2\" id=\"t10_101\">Gain by transactions </span><span class=\"S1B38 SA7 S2\" id=\"t11_101\">16,494 </span><span class=\"S1B39 SA7 S2\" id=\"t12_101\">9,553 </span><span class=\"S1B3A SA7 S2\" id=\"t13_101\">Loss by transactions </span><span class=\"S1B3B SA7 S2\" id=\"t14_101\">(19,645) </span><span class=\"S1B3C SA7 S2\" id=\"t15_101\">(4,537) </span><span class=\"S1B3D SB S2\" id=\"t16_101\">Fx (loss) / gain on securities at fair value through profit or loss </span><span class=\"S1B3E SB S2\" id=\"t17_101\">(3,151) </span><span class=\"S1B3F SB S2\" id=\"t18_101\">5,016 </span><span class=\"S1B40 SA7 S2\" id=\"t19_101\">Gain by transactions </span><span class=\"S1B41 SA7 S2\" id=\"t1a_101\">- </span><span class=\"S1B42 SA7 S2\" id=\"t1b_101\">2,405 </span><span class=\"S1B43 SA7 S2\" id=\"t1c_101\">Loss by transactions </span><span class=\"S1B44 SA7 S2\" id=\"t1d_101\">(323) </span><span class=\"S1B45 SA7 S2\" id=\"t1e_101\">(1,889) </span><span class=\"S1B46 SB S2\" id=\"t1f_101\">Fx (loss) / gain on derecognition of investment </span><span class=\"S1B47 SB S2\" id=\"t1g_101\">in subsidiaries, associates </span><span class=\"S1B48 SB S2\" id=\"t1h_101\">(323) </span><span class=\"S1B49 SB S2\" id=\"t1i_101\">516 </span><span class=\"S1B4A SA7 S2\" id=\"t1j_101\">Gain by transactions </span><span class=\"S1B4B SA7 S2\" id=\"t1k_101\">4,502 </span><span class=\"S1B4C SA7 S2\" id=\"t1l_101\">10,505 </span><span class=\"S1B4D SA7 S2\" id=\"t1m_101\">Loss by transactions </span><span class=\"S1B4E SA7 S2\" id=\"t1n_101\">(5,516) </span><span class=\"S1B4F SA7 S2\" id=\"t1o_101\">(13,092) </span><span class=\"S1B50 SB S2\" id=\"t1p_101\">Fx loss on securities at fair value </span><span class=\"S1B51 SB S2\" id=\"t1q_101\">through other comprehensive income </span><span class=\"S1B52 SB S2\" id=\"t1r_101\">(1,014) </span><span class=\"S1B53 SB S2\" id=\"t1s_101\">(2,587) </span><span class=\"S1B54 SA7 S2\" id=\"t1t_101\">Gain by transactions </span><span class=\"S1B55 SA7 S2\" id=\"t1u_101\">- </span><span class=\"S1B56 SA7 S2\" id=\"t1v_101\">2,847 </span><span class=\"S1B57 SA7 S2\" id=\"t1w_101\">Loss by transactions </span><span class=\"S1B58 SA7 S2\" id=\"t1x_101\">- </span><span class=\"S1B59 SA7 S2\" id=\"t1y_101\">(232) </span><span class=\"S1B5A SB S2\" id=\"t1z_101\">Fx gain on other securities </span><span class=\"S1B5B SB S2\" id=\"t20_101\">- </span><span class=\"S1B5C SB S2\" id=\"t21_101\">2,615 </span><span class=\"S1B5D SB S2\" id=\"t22_101\">(Loss) / Gain on securities, net </span><span class=\"S1B5E SB S2\" id=\"t23_101\">(4,488) </span><span class=\"S1B5F SB S2\" id=\"t24_101\">5,560 </span><span class=\"S1B60 SB S2\" id=\"t25_101\">Gains and losses by transactions </span><span class=\"S1B61 SB S2\" id=\"t26_101\">2022 </span><span class=\"S1B62 SB S2\" id=\"t27_101\">2021 </span><span class=\"S1B63 SA7 S2\" id=\"t28_101\">Gain by transactions </span><span class=\"S1B64 SA7 S2\" id=\"t29_101\">4,247 </span><span class=\"S1B65 SA7 S2\" id=\"t2a_101\">5,835 </span><span class=\"S1B66 SA7 S2\" id=\"t2b_101\">Loss by transactions </span><span class=\"S1B67 SA7 S2\" id=\"t2c_101\">(4,102) </span><span class=\"S1B68 SA7 S2\" id=\"t2d_101\">(1,023) </span><span class=\"S1B69 SB S2\" id=\"t2e_101\">Gain on non-trading securities mandatorily </span><span class=\"S1B6A SB S2\" id=\"t2f_101\">at fair value through profit or loss </span><span class=\"S1B6B SB S2\" id=\"t2g_101\">145 </span><span class=\"S1B6C SB S2\" id=\"t2h_101\">4,812 </span><span class=\"S1B6D SA7 S2\" id=\"t2i_101\">Gain by transactions </span><span class=\"S1B6E SA7 S2\" id=\"t2j_101\">50,693 </span><span class=\"S1B6F SA7 S2\" id=\"t2k_101\">36,591 </span><span class=\"S1B70 SA7 S2\" id=\"t2l_101\">Loss by transactions </span><span class=\"S1B71 SA7 S2\" id=\"t2m_101\">(60,234) </span><span class=\"S1B72 SA7 S2\" id=\"t2n_101\">(44,346) </span><span class=\"S1B73 SB S2\" id=\"t2o_101\">Loss on loans mandatorily at fair value through profit </span><span class=\"S1B74 SB S2\" id=\"t2p_101\">or loss (adjustment resulting from change in market factors) </span><span class=\"S1B75 SB S2\" id=\"t2q_101\">(9,541) </span><span class=\"S1B76 SB S2\" id=\"t2r_101\">(7,755) </span><span class=\"S1B77 SA7 S2\" id=\"t2s_101\">Gain by transactions </span><span class=\"S1B78 SA7 S2\" id=\"t2t_101\">7,809 </span><span class=\"S1B79 SA7 S2\" id=\"t2u_101\">2,868 </span><span class=\"S1B7A SA7 S2\" id=\"t2v_101\">Loss by transactions </span><span class=\"S1B7B SA7 S2\" id=\"t2w_101\">(2,577) </span><span class=\"S1B7C SA7 S2\" id=\"t2x_101\">(457) </span><span class=\"S1B7D SB S2\" id=\"t2y_101\">Gain on financial assets and liabilities </span><span class=\"S1B7E SB S2\" id=\"t2z_101\">designated at fair value through profit or loss </span><span class=\"S1B7F SB S2\" id=\"t30_101\">5,232 </span><span class=\"S1B80 SB S2\" id=\"t31_101\">2,411 </span><span class=\"S1B81 SB S2\" id=\"t32_101\">Fair value adjustment on financial instruments measured </span><span class=\"S1B82 SB S2\" id=\"t33_101\">at fair value through profit or loss </span><span class=\"S1B83 SB S2\" id=\"t34_101\">(4,164) </span><span class=\"S1B84 SB S2\" id=\"t35_101\">(532) </span><span class=\"SFA4 SB S2\" id=\"t3_102\">NOTE 33: </span><span class=\"S1B85 SB S2\" id=\"t4_102\">GAINS AND LOSSES (in HUF mn) [continued] </span><span class=\"S1B20 SB S2\" id=\"t5_102\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_102\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_102\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_102\">Gain by transactions </span><span class=\"S19E6 SA7 S2\" id=\"t9_102\">147,311 </span><span class=\"S1A39 SA7 S2\" id=\"ta_102\">74,582 </span><span class=\"S1B24 SA7 S2\" id=\"tb_102\">Loss by transactions </span><span class=\"S19E9 SA7 S2\" id=\"tc_102\">(150,804) </span><span class=\"S1B86 SA7 S2\" id=\"td_102\">(64,034) </span><span class=\"S1B87 SB S2\" id=\"te_102\">(Loss) / Gain from fx swap, swap and option deals </span><span class=\"S1B88 SB S2\" id=\"tf_102\">(3,493) </span><span class=\"S19ED SB S2\" id=\"tg_102\">10,548 </span><span class=\"S1B89 SA7 S2\" id=\"th_102\">Gain by transactions </span><span class=\"S1B05 SA7 S2\" id=\"ti_102\">4,156 </span><span class=\"S1B06 SA7 S2\" id=\"tj_102\">2,684 </span><span class=\"S1B8A SA7 S2\" id=\"tk_102\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_102\">(5,082) </span><span class=\"S19F3 SA7 S2\" id=\"tm_102\">(3,005) </span><span class=\"S1B8B SB S2\" id=\"tn_102\">Loss from option deals </span><span class=\"S1B8C SB S2\" id=\"to_102\">(926) </span><span class=\"S1B8D SB S2\" id=\"tp_102\">(321) </span><span class=\"S1B8E SA7 S2\" id=\"tq_102\">Gain by transactions </span><span class=\"S1A42 SA7 S2\" id=\"tr_102\">148,699 </span><span class=\"S14DE SA7 S2\" id=\"ts_102\">94,639 </span><span class=\"S1B8F SA7 S2\" id=\"tt_102\">Loss by transactions </span><span class=\"S1B90 SA7 S2\" id=\"tu_102\">(132,968) </span><span class=\"S1B91 SA7 S2\" id=\"tv_102\">(95,794) </span><span class=\"S1B92 SB S2\" id=\"tw_102\">Gain / (Loss) from commodities deals </span><span class=\"S1B93 SB S2\" id=\"tx_102\">15,731 </span><span class=\"S1B94 SB S2\" id=\"ty_102\">(1,155) </span><span class=\"S1B95 SA7 S2\" id=\"tz_102\">Gain by transactions </span><span class=\"S1B16 SA7 S2\" id=\"t10_102\">752 </span><span class=\"S1B17 SA7 S2\" id=\"t11_102\">745 </span><span class=\"S1B96 SA7 S2\" id=\"t12_102\">Loss by transactions </span><span class=\"S1B97 SA7 S2\" id=\"t13_102\">(1,506) </span><span class=\"S1B98 SA7 S2\" id=\"t14_102\">(3,019) </span><span class=\"S1B99 SB S2\" id=\"t15_102\">Loss from futures deals </span><span class=\"S1B9A SB S2\" id=\"t16_102\">(754) </span><span class=\"S1B9B SB S2\" id=\"t17_102\">(2,274) </span><span class=\"S1B9C SB S2\" id=\"t18_102\">Net results on derivative instruments and hedge relationships </span><span class=\"S14E8 SB S2\" id=\"t19_102\">10,558 </span><span class=\"S1B9D SB S2\" id=\"t1a_102\">6,798 </span><span class=\"S1B9E SA7 S2\" id=\"t1b_102\">Gains and losses attributable to the hedged risk on the hedged item and on the hedging instruments and </span><span class=\"S1B9F SA7 S2\" id=\"t1c_102\">ineffectiveness in case of fair value hedge on amortised cost line items are as follows: </span><span class=\"S1BA0 SB S2\" id=\"t1d_102\">Fair value hedge </span><span class=\"S1BA1 SB S2\" id=\"t1e_102\">2022 </span><span class=\"S1BA2 SB S2\" id=\"t1f_102\">2021 </span><span class=\"S1BA3 SA7 S2\" id=\"t1g_102\">Hedged items </span><span class=\"S1BA4 SA7 S2\" id=\"t1h_102\">6,750 </span><span class=\"S1BA5 SA7 S2\" id=\"t1i_102\">17,406 </span><span class=\"S1BA6 SA7 S2\" id=\"t1j_102\">Hedging instrument </span><span class=\"S1BA7 SA7 S2\" id=\"t1k_102\">(9,352) </span><span class=\"S1BA8 SA7 S2\" id=\"t1l_102\">(15,147) </span><span class=\"S1BA9 SA7 S2\" id=\"t1m_102\">Hedge effectiveness </span><span class=\"S1BAA SA7 S2\" id=\"t1n_102\">(2,602) </span><span class=\"S1BAB SA7 S2\" id=\"t1o_102\">2,259 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5253": {
   "value": "<span class=\"SE58 SB S2\" id=\"t1c_53\">Positive fair value of derivative financial assets held for trading </span><span class=\"SE59 SB S2\" id=\"t1d_53\">2022 </span><span class=\"SE5A SB S2\" id=\"t1e_53\">2021 </span><span class=\"S6CB SA7 S2\" id=\"t1f_53\">Foreign exchange swaps held for trading </span><span class=\"SE5B SA7 S2\" id=\"t1g_53\">79,395 </span><span class=\"SE5C SA7 S2\" id=\"t1h_53\">38,728 </span><span class=\"SE5D SA7 S2\" id=\"t1i_53\">Interest rate swaps held for trading </span><span class=\"SE5E SA7 S2\" id=\"t1j_53\">127,230 </span><span class=\"SE5F SA7 S2\" id=\"t1k_53\">59,504 </span><span class=\"SE60 SA7 S2\" id=\"t1l_53\">Commodity swaps </span><span class=\"SE61 SA7 S2\" id=\"t1m_53\">33,693 </span><span class=\"SE62 SA7 S2\" id=\"t1n_53\">51,523 </span><span class=\"SE63 SA7 S2\" id=\"t1o_53\">CCIRS and mark-to-market CCIRS </span><span class=\"SE64 SA7 S2\" id=\"t1p_53\">held-for-trading </span><span class=\"SE65 SE8B S2\" id=\"t1q_53\">1 </span><span class=\"SE66 SA7 S2\" id=\"t1r_53\">20,512 </span><span class=\"SE67 SA7 S2\" id=\"t1s_53\">11,758 </span><span class=\"SE68 SA7 S2\" id=\"t1t_53\">Foreign exchange forward contracts held for trading </span><span class=\"SE69 SA7 S2\" id=\"t1u_53\">13,085 </span><span class=\"SE6A SA7 S2\" id=\"t1v_53\">10,790 </span><span class=\"SE6B SA7 S2\" id=\"t1w_53\">Held-for-trading option contracts </span><span class=\"SE6C SA7 S2\" id=\"t1x_53\">2,122 </span><span class=\"SE6D SA7 S2\" id=\"t1y_53\">1,285 </span><span class=\"SE6E SA7 S2\" id=\"t1z_53\">Held-for-trading forward security agreement </span><span class=\"SE6F SA7 S2\" id=\"t20_53\">13 </span><span class=\"SE70 SA7 S2\" id=\"t21_53\">- </span><span class=\"SE71 SA7 S2\" id=\"t22_53\">Other derivative transactions held for trading </span><span class=\"SE72 SE8B S2\" id=\"t23_53\">2 </span><span class=\"SE73 SA7 S2\" id=\"t24_53\">432 </span><span class=\"SE74 SA7 S2\" id=\"t25_53\">10,896 </span><span class=\"SE75 SB S2\" id=\"t26_53\">Total </span><span class=\"SE76 SB S2\" id=\"t27_53\">276,482 </span><span class=\"SE77 SB S2\" id=\"t28_53\">184,484 </span><span class=\"SE78 SB S2\" id=\"t29_53\">Total </span><span class=\"SE79 SB S2\" id=\"t2a_53\">436,387 </span><span class=\"SE7A SB S2\" id=\"t2b_53\">341,397 </span><span class=\"SE7B S482 S2\" id=\"t2c_53\">1 </span><span class=\"SE7C S483 S2\" id=\"t2d_53\">CCIRS: Cross Currency Interest Rate Swaps (See Note 2.6.3.) </span><span class=\"SE7D S482 S2\" id=\"t2e_53\">2 </span><span class=\"SE7E S483 S2\" id=\"t2f_53\">Other category includes: fx spot, equity swaps, option and index futures. </span><span class=\"SFA4 SB S2\" id=\"t3_73\">NOTE 15: </span><span class=\"S13FD SB S2\" id=\"t4_73\">DERIVATIVE FINANCIAL ASSETS DESIGNATED AS HEDGE ACCOUNTING (in </span><span class=\"S13FE SB S2\" id=\"t5_73\">HUF </span><span class=\"S13FF SB S2\" id=\"t6_73\">mn) </span><span class=\"SFF4 SA7 S2\" id=\"t7_73\">Positive fair value of derivative financial assets designated as fair value hedge </span><span class=\"S1400 SB S2\" id=\"t8_73\">2022 </span><span class=\"S1401 SB S2\" id=\"t9_73\">2021 </span><span class=\"S1402 SA7 S2\" id=\"ta_73\">CCIRS and mark-to-market CCIRS designated </span><span class=\"S1403 SA7 S2\" id=\"tb_73\">as fair value hedge </span><span class=\"S1404 SA7 S2\" id=\"tc_73\">20,732 </span><span class=\"S1405 SA7 S2\" id=\"td_73\">5,471 </span><span class=\"S1406 SA7 S2\" id=\"te_73\">Foreign exchange swap designated as fair value hedge </span><span class=\"S1407 SA7 S2\" id=\"tf_73\">1,696 </span><span class=\"S1408 SA7 S2\" id=\"tg_73\">- </span><span class=\"S1409 SA7 S2\" id=\"th_73\">Interest rate swaps designated as fair value hedge </span><span class=\"S140A SA7 S2\" id=\"ti_73\">25,819 </span><span class=\"S140B SA7 S2\" id=\"tj_73\">13,286 </span><span class=\"S140C SB S2\" id=\"tk_73\">Total </span><span class=\"S140D SB S2\" id=\"tl_73\">48,247 </span><span class=\"S140E SB S2\" id=\"tm_73\">18,757 </span><span class=\"SFA4 SB S2\" id=\"t3_84\">NOTE 22: </span><span class=\"S6E4 SB S2\" id=\"t4_84\">DERIVATIVE FINANCIAL LIABILITIES HELD FOR TRADING (in HUF mn) </span><span class=\"S1761 SA7 S2\" id=\"t5_84\">Negative fair value of derivative financial liabilities held for trading by type of contracts </span><span class=\"S1762 SB S2\" id=\"t6_84\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_84\">2021 </span><span class=\"S1764 SA7 S2\" id=\"t8_84\">Foreign exchange swaps held for trading </span><span class=\"S1765 SA7 S2\" id=\"t9_84\">83,149 </span><span class=\"S1766 SA7 S2\" id=\"ta_84\">46,380 </span><span class=\"S1767 SA7 S2\" id=\"tb_84\">Commodity swaps </span><span class=\"S1768 SA7 S2\" id=\"tc_84\">31,632 </span><span class=\"S1769 SA7 S2\" id=\"td_84\">51,508 </span><span class=\"S176A SA7 S2\" id=\"te_84\">Interest rate swaps held for trading </span><span class=\"S176B SA7 S2\" id=\"tf_84\">237,269 </span><span class=\"S176C SA7 S2\" id=\"tg_84\">87,945 </span><span class=\"S176D SA7 S2\" id=\"th_84\">Foreign exchange forward contracts </span><span class=\"S176E SA7 S2\" id=\"ti_84\">held-for-trading </span><span class=\"S176F SA7 S2\" id=\"tj_84\">13,740 </span><span class=\"S1770 SA7 S2\" id=\"tk_84\">7,738 </span><span class=\"S1771 SA7 S2\" id=\"tl_84\">CCIRS and mark-to-market CCIRS </span><span class=\"S1772 SA7 S2\" id=\"tm_84\">held for trading </span><span class=\"S14E2 SA7 S2\" id=\"tn_84\">15,759 </span><span class=\"S1773 SA7 S2\" id=\"to_84\">7,789 </span><span class=\"S1774 SA7 S2\" id=\"tp_84\">Held for trading option contracts </span><span class=\"S1775 SA7 S2\" id=\"tq_84\">1,891 </span><span class=\"S1776 SA7 S2\" id=\"tr_84\">479 </span><span class=\"S1777 SA7 S2\" id=\"ts_84\">Held-for-trading forward security agreement </span><span class=\"S1778 SA7 S2\" id=\"tt_84\">- </span><span class=\"S1779 SA7 S2\" id=\"tu_84\">13 </span><span class=\"S177A SA7 S2\" id=\"tv_84\">Other derivative transactions held for trading </span><span class=\"S177B SE8B S2\" id=\"tw_84\">1 </span><span class=\"S177C SA7 S2\" id=\"tx_84\">2,307 </span><span class=\"S177D SA7 S2\" id=\"ty_84\">864 </span><span class=\"S177E SB S2\" id=\"tz_84\">Total </span><span class=\"S177F SB S2\" id=\"t10_84\">385,747 </span><span class=\"S1780 SB S2\" id=\"t11_84\">202,716 </span><span class=\"S1781 S482 S2\" id=\"t12_84\">1 </span><span class=\"S1782 S483 S2\" id=\"t13_84\">Other category includes: fx spot, equity swaps, forward rate agreement, options and index futures. </span><span class=\"SFA4 SB S2\" id=\"t3_85\">NOTE 23: </span><span class=\"S7A3 SB S2\" id=\"t4_85\">DERIVATIVE FINANCIAL LIABILITIES DESIGNATED AS HEDGE ACCOUNTING (in </span><span class=\"SEDE SB S2\" id=\"t5_85\">HUF mn) </span><span class=\"S1783 SA7 S2\" id=\"t6_85\">Negative fair value of derivative financial liabilities designated as hedge accounting by type of contracts </span><span class=\"S1053 SB S2\" id=\"t7_85\">2022 </span><span class=\"S1054 SB S2\" id=\"t8_85\">2021 </span><span class=\"S1784 SA7 S2\" id=\"t9_85\">CCIRS and mark-to-market CCIRS designated </span><span class=\"S1785 SA7 S2\" id=\"ta_85\">as fair value hedge </span><span class=\"S1786 SA7 S2\" id=\"tb_85\">5,398 </span><span class=\"S1787 SA7 S2\" id=\"tc_85\">5,451 </span><span class=\"S1058 SA7 S2\" id=\"td_85\">Foreign exchange swap designated as fair value hedge </span><span class=\"S1788 SA7 S2\" id=\"te_85\">16,199 </span><span class=\"S1789 SA7 S2\" id=\"tf_85\">- </span><span class=\"S178A SA7 S2\" id=\"tg_85\">Interest rate swaps designated as fair value hedge </span><span class=\"S178B SA7 S2\" id=\"th_85\">6,352 </span><span class=\"S178C SA7 S2\" id=\"ti_85\">5,777 </span><span class=\"S178D SB S2\" id=\"tj_85\">Total </span><span class=\"S178E SB S2\" id=\"tk_85\">27,949 </span><span class=\"S178F SB S2\" id=\"tl_85\">11,228 </span><span class=\"SFA4 SB S2\" id=\"t3_102\">NOTE 33: </span><span class=\"S1B85 SB S2\" id=\"t4_102\">GAINS AND LOSSES (in HUF mn) [continued] </span><span class=\"S1B20 SB S2\" id=\"t5_102\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_102\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_102\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_102\">Gain by transactions </span><span class=\"S19E6 SA7 S2\" id=\"t9_102\">147,311 </span><span class=\"S1A39 SA7 S2\" id=\"ta_102\">74,582 </span><span class=\"S1B24 SA7 S2\" id=\"tb_102\">Loss by transactions </span><span class=\"S19E9 SA7 S2\" id=\"tc_102\">(150,804) </span><span class=\"S1B86 SA7 S2\" id=\"td_102\">(64,034) </span><span class=\"S1B87 SB S2\" id=\"te_102\">(Loss) / Gain from fx swap, swap and option deals </span><span class=\"S1B88 SB S2\" id=\"tf_102\">(3,493) </span><span class=\"S19ED SB S2\" id=\"tg_102\">10,548 </span><span class=\"S1B89 SA7 S2\" id=\"th_102\">Gain by transactions </span><span class=\"S1B05 SA7 S2\" id=\"ti_102\">4,156 </span><span class=\"S1B06 SA7 S2\" id=\"tj_102\">2,684 </span><span class=\"S1B8A SA7 S2\" id=\"tk_102\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_102\">(5,082) </span><span class=\"S19F3 SA7 S2\" id=\"tm_102\">(3,005) </span><span class=\"S1B8B SB S2\" id=\"tn_102\">Loss from option deals </span><span class=\"S1B8C SB S2\" id=\"to_102\">(926) </span><span class=\"S1B8D SB S2\" id=\"tp_102\">(321) </span><span class=\"S1B8E SA7 S2\" id=\"tq_102\">Gain by transactions </span><span class=\"S1A42 SA7 S2\" id=\"tr_102\">148,699 </span><span class=\"S14DE SA7 S2\" id=\"ts_102\">94,639 </span><span class=\"S1B8F SA7 S2\" id=\"tt_102\">Loss by transactions </span><span class=\"S1B90 SA7 S2\" id=\"tu_102\">(132,968) </span><span class=\"S1B91 SA7 S2\" id=\"tv_102\">(95,794) </span><span class=\"S1B92 SB S2\" id=\"tw_102\">Gain / (Loss) from commodities deals </span><span class=\"S1B93 SB S2\" id=\"tx_102\">15,731 </span><span class=\"S1B94 SB S2\" id=\"ty_102\">(1,155) </span><span class=\"S1B95 SA7 S2\" id=\"tz_102\">Gain by transactions </span><span class=\"S1B16 SA7 S2\" id=\"t10_102\">752 </span><span class=\"S1B17 SA7 S2\" id=\"t11_102\">745 </span><span class=\"S1B96 SA7 S2\" id=\"t12_102\">Loss by transactions </span><span class=\"S1B97 SA7 S2\" id=\"t13_102\">(1,506) </span><span class=\"S1B98 SA7 S2\" id=\"t14_102\">(3,019) </span><span class=\"S1B99 SB S2\" id=\"t15_102\">Loss from futures deals </span><span class=\"S1B9A SB S2\" id=\"t16_102\">(754) </span><span class=\"S1B9B SB S2\" id=\"t17_102\">(2,274) </span><span class=\"S1B9C SB S2\" id=\"t18_102\">Net results on derivative instruments and hedge relationships </span><span class=\"S14E8 SB S2\" id=\"t19_102\">10,558 </span><span class=\"S1B9D SB S2\" id=\"t1a_102\">6,798 </span><span class=\"S291A SB S2\" id=\"t5_130\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_130\">2022 </span><span class=\"S29D5 S27D S2\" id=\"t7_130\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_130\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_130\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_130\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_130\">months </span><span class=\"S29DA S27D S2\" id=\"tc_130\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_130\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_130\">year </span><span class=\"S29DD S27D S2\" id=\"tf_130\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_130\">Without </span><span class=\"S29DF S27D S2\" id=\"th_130\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_130\">Total </span><span class=\"S29E1 S27E S2\" id=\"tj_130\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_130\">7,242,836 </span><span class=\"S29E3 S27E S2\" id=\"tl_130\">1,270,841 </span><span class=\"S29E4 S27E S2\" id=\"tm_130\">476,343 </span><span class=\"S29E5 S27E S2\" id=\"tn_130\">186,089 </span><span class=\"S29E6 S27E S2\" id=\"to_130\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_130\">9,176,109 </span><span class=\"S29E8 S27E S2\" id=\"tq_130\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_130\">(7,885,403) </span><span class=\"S29EA S27E S2\" id=\"ts_130\">(1,623,033) </span><span class=\"S29EB S27E S2\" id=\"tt_130\">(499,998) </span><span class=\"S29EC S27E S2\" id=\"tu_130\">(192,979) </span><span class=\"S29ED S27E S2\" id=\"tv_130\">- </span><span class=\"S29EE S27E S2\" id=\"tw_130\">(10,201,413) </span><span class=\"S29EF S27D S2\" id=\"tx_130\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_130\">held for trading </span><span class=\"S29F1 S27D S2\" id=\"tz_130\">(642,567) </span><span class=\"S29F2 S27D S2\" id=\"t10_130\">(352,192) </span><span class=\"S29F3 S27D S2\" id=\"t11_130\">(23,655) </span><span class=\"S29F4 S27D S2\" id=\"t12_130\">(6,890) </span><span class=\"S29F5 S27D S2\" id=\"t13_130\">- </span><span class=\"S29F6 S27D S2\" id=\"t14_130\">(1,025,304) </span><span class=\"S29F7 S27E S2\" id=\"t15_130\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_130\">designated as hedge accounting </span><span class=\"S29F9 S27E S2\" id=\"t17_130\">316,440 </span><span class=\"S29FA S27E S2\" id=\"t18_130\">186,839 </span><span class=\"S29FB S27E S2\" id=\"t19_130\">784,159 </span><span class=\"S29FC S27E S2\" id=\"t1a_130\">15,859 </span><span class=\"S29FD S27E S2\" id=\"t1b_130\">- </span><span class=\"S29FE S27E S2\" id=\"t1c_130\">1,303,297 </span><span class=\"S29FF S27E S2\" id=\"t1d_130\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_130\">designated as hedge accounting </span><span class=\"S2A01 S27E S2\" id=\"t1f_130\">(297,714) </span><span class=\"S2A02 S27E S2\" id=\"t1g_130\">(217,102) </span><span class=\"S2A03 S27E S2\" id=\"t1h_130\">(2,031,727) </span><span class=\"S2A04 S27E S2\" id=\"t1i_130\">(13,425) </span><span class=\"S2A05 S27E S2\" id=\"t1j_130\">- </span><span class=\"S2A06 S27E S2\" id=\"t1k_130\">(2,559,968) </span><span class=\"S2A07 S27D S2\" id=\"t1l_130\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_130\">as hedge accounting </span><span class=\"S2A09 S27D S2\" id=\"t1n_130\">18,726 </span><span class=\"S2A0A S27D S2\" id=\"t1o_130\">(30,263) </span><span class=\"S2A0B S27D S2\" id=\"t1p_130\">(1,247,568) </span><span class=\"S2A0C S27D S2\" id=\"t1q_130\">2,434 </span><span class=\"S2A0D S27D S2\" id=\"t1r_130\">- </span><span class=\"S2A0E S27D S2\" id=\"t1s_130\">(1,256,671) </span><span class=\"S2A0F S27D S2\" id=\"t1t_130\">Net position of derivative financial instruments total </span><span class=\"S2A10 S27D S2\" id=\"t1u_130\">(623,841) </span><span class=\"S2A11 S27D S2\" id=\"t1v_130\">(382,455) </span><span class=\"S2A12 S27D S2\" id=\"t1w_130\">(1,271,223) </span><span class=\"S2A13 S27D S2\" id=\"t1x_130\">(4,456) </span><span class=\"S2A14 S27D S2\" id=\"t1y_130\">- </span><span class=\"S2A15 S27D S2\" id=\"t1z_130\">(2,281,975) </span><span class=\"S2A16 S27E S2\" id=\"t20_130\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_130\">3,937,023 </span><span class=\"S2A18 S27E S2\" id=\"t22_130\">236,103 </span><span class=\"S2A19 S27E S2\" id=\"t23_130\">54,355 </span><span class=\"S2A1A S27E S2\" id=\"t24_130\">2,808 </span><span class=\"S2A1B S27E S2\" id=\"t25_130\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_130\">4,230,289 </span><span class=\"S2A1D S27E S2\" id=\"t27_130\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_130\">602,335 </span><span class=\"S2A1F S27E S2\" id=\"t29_130\">308,787 </span><span class=\"S2A20 S27E S2\" id=\"t2a_130\">337,105 </span><span class=\"S2A21 S27E S2\" id=\"t2b_130\">164,790 </span><span class=\"S2A22 S27E S2\" id=\"t2c_130\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_130\">1,413,017 </span><span class=\"S2A24 S27E S2\" id=\"t2e_130\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_130\">47,631 </span><span class=\"S2A26 S27E S2\" id=\"t2g_130\">5,733 </span><span class=\"S2A27 S27E S2\" id=\"t2h_130\">193 </span><span class=\"S2A28 S27E S2\" id=\"t2i_130\">- </span><span class=\"S2A29 S27E S2\" id=\"t2j_130\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_130\">53,557 </span><span class=\"S2A2B S27E S2\" id=\"t2l_130\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_130\">414,585 </span><span class=\"S2A2D S27E S2\" id=\"t2n_130\">5,035 </span><span class=\"S2A2E S27E S2\" id=\"t2o_130\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_130\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_130\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_130\">419,620 </span><span class=\"S2A32 S27D S2\" id=\"t2s_130\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_130\">5,001,574 </span><span class=\"S2A34 S27D S2\" id=\"t2u_130\">555,658 </span><span class=\"S2A35 S27D S2\" id=\"t2v_130\">391,653 </span><span class=\"S2A36 S27D S2\" id=\"t2w_130\">167,598 </span><span class=\"S2A37 S27D S2\" id=\"t2x_130\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_130\">6,116,483 </span><span class=\"S291A SB S2\" id=\"t5_132\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_132\">2021 </span><span class=\"S29D5 S27D S2\" id=\"t7_132\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_132\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_132\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_132\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_132\">months </span><span class=\"S29DA S27D S2\" id=\"tc_132\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_132\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_132\">year </span><span class=\"S29DD S27D S2\" id=\"tf_132\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_132\">Without </span><span class=\"S29DF S27D S2\" id=\"th_132\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_132\">Total </span><span class=\"S2A55 S27E S2\" id=\"tj_132\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_132\">4,396,050 </span><span class=\"S29E3 S27E S2\" id=\"tl_132\">1,993,311 </span><span class=\"S29E4 S27E S2\" id=\"tm_132\">302,924 </span><span class=\"S29E5 S27E S2\" id=\"tn_132\">151,959 </span><span class=\"S29E6 S27E S2\" id=\"to_132\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_132\">6,844,244 </span><span class=\"S29E8 S27E S2\" id=\"tq_132\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_132\">(4,349,598) </span><span class=\"S29EA S27E S2\" id=\"ts_132\">(1,991,763) </span><span class=\"S29EB S27E S2\" id=\"tt_132\">(296,648) </span><span class=\"S29EC S27E S2\" id=\"tu_132\">(146,398) </span><span class=\"S29ED S27E S2\" id=\"tv_132\">- </span><span class=\"S2A56 S27E S2\" id=\"tw_132\">(6,784,407) </span><span class=\"S29EF S27D S2\" id=\"tx_132\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_132\">held for trading </span><span class=\"S2A57 S27D S2\" id=\"tz_132\">46,452 </span><span class=\"S2A58 S27D S2\" id=\"t10_132\">1,548 </span><span class=\"S2A59 S27D S2\" id=\"t11_132\">6,276 </span><span class=\"S2A5A S27D S2\" id=\"t12_132\">5,561 </span><span class=\"S29F5 S27D S2\" id=\"t13_132\">- </span><span class=\"S2A5B S27D S2\" id=\"t14_132\">59,837 </span><span class=\"S29F7 S27E S2\" id=\"t15_132\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_132\">designated as hedge accounting </span><span class=\"S2A5C S27E S2\" id=\"t17_132\">5,693 </span><span class=\"S2A5D S27E S2\" id=\"t18_132\">37,815 </span><span class=\"S29FB S27E S2\" id=\"t19_132\">580,489 </span><span class=\"S29FC S27E S2\" id=\"t1a_132\">16,195 </span><span class=\"S29FD S27E S2\" id=\"t1b_132\">- </span><span class=\"S2A5E S27E S2\" id=\"t1c_132\">640,192 </span><span class=\"S2A5F S27E S2\" id=\"t1d_132\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_132\">designated as hedge accounting </span><span class=\"S2A60 S27E S2\" id=\"t1f_132\">(7,765) </span><span class=\"S2A61 S27E S2\" id=\"t1g_132\">(47,374) </span><span class=\"S2A62 S27E S2\" id=\"t1h_132\">(595,938) </span><span class=\"S2A04 S27E S2\" id=\"t1i_132\">(16,417) </span><span class=\"S2A05 S27E S2\" id=\"t1j_132\">- </span><span class=\"S2A63 S27E S2\" id=\"t1k_132\">(667,494) </span><span class=\"S2A07 S27D S2\" id=\"t1l_132\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_132\">as hedge accounting </span><span class=\"S2A64 S27D S2\" id=\"t1n_132\">(2,072) </span><span class=\"S2A65 S27D S2\" id=\"t1o_132\">(9,559) </span><span class=\"S2A66 S27D S2\" id=\"t1p_132\">(15,449) </span><span class=\"S2A67 S27D S2\" id=\"t1q_132\">(222) </span><span class=\"S2A0D S27D S2\" id=\"t1r_132\">- </span><span class=\"S2A68 S27D S2\" id=\"t1s_132\">(27,302) </span><span class=\"S2A69 S27D S2\" id=\"t1t_132\">Net position of derivative financial instruments total </span><span class=\"S2A6A S27D S2\" id=\"t1u_132\">44,380 </span><span class=\"S2A6B S27D S2\" id=\"t1v_132\">(8,011) </span><span class=\"S2A6C S27D S2\" id=\"t1w_132\">(9,173) </span><span class=\"S2A6D S27D S2\" id=\"t1x_132\">5,339 </span><span class=\"S2A14 S27D S2\" id=\"t1y_132\">- </span><span class=\"S2A6E S27D S2\" id=\"t1z_132\">32,535 </span><span class=\"S2A16 S27E S2\" id=\"t20_132\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_132\">3,749,199 </span><span class=\"S2A18 S27E S2\" id=\"t22_132\">234,503 </span><span class=\"S2A19 S27E S2\" id=\"t23_132\">74,915 </span><span class=\"S2A1A S27E S2\" id=\"t24_132\">6,385 </span><span class=\"S2A1B S27E S2\" id=\"t25_132\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_132\">4,065,002 </span><span class=\"S2A1D S27E S2\" id=\"t27_132\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_132\">532,445 </span><span class=\"S2A1F S27E S2\" id=\"t29_132\">347,448 </span><span class=\"S2A20 S27E S2\" id=\"t2a_132\">307,030 </span><span class=\"S2A21 S27E S2\" id=\"t2b_132\">106,918 </span><span class=\"S2A22 S27E S2\" id=\"t2c_132\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_132\">1,293,841 </span><span class=\"S2A6F S27E S2\" id=\"t2e_132\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_132\">61,124 </span><span class=\"S2A26 S27E S2\" id=\"t2g_132\">2,937 </span><span class=\"S2A27 S27E S2\" id=\"t2h_132\">853 </span><span class=\"S2A70 S27E S2\" id=\"t2i_132\">163 </span><span class=\"S2A29 S27E S2\" id=\"t2j_132\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_132\">65,077 </span><span class=\"S2A2B S27E S2\" id=\"t2l_132\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_132\">464,341 </span><span class=\"S2A71 S27E S2\" id=\"t2n_132\">- </span><span class=\"S2A2E S27E S2\" id=\"t2o_132\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_132\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_132\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_132\">464,341 </span><span class=\"S2A32 S27D S2\" id=\"t2s_132\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_132\">4,807,109 </span><span class=\"S2A34 S27D S2\" id=\"t2u_132\">584,888 </span><span class=\"S2A35 S27D S2\" id=\"t2v_132\">382,798 </span><span class=\"S2A36 S27D S2\" id=\"t2w_132\">113,466 </span><span class=\"S2A37 S27D S2\" id=\"t2x_132\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_132\">5,888,261 </span><span class=\"S7D9 SB S2\" id=\"t5_133\">37.3. </span><span class=\"S2A72 SB S2\" id=\"t6_133\">Net foreign currency position and foreign currency risk </span><span class=\"S2A73 SB S2\" id=\"t7_133\">2022 </span><span class=\"S2A74 SB S2\" id=\"t8_133\">USD </span><span class=\"S2A75 SB S2\" id=\"t9_133\">EUR </span><span class=\"S2A76 SB S2\" id=\"ta_133\">CHF </span><span class=\"S2A77 SB S2\" id=\"tb_133\">Other </span><span class=\"S2A78 SB S2\" id=\"tc_133\">Total </span><span class=\"S2A79 SA7 S2\" id=\"td_133\">Assets </span><span class=\"S2A7A SA7 S2\" id=\"te_133\">1,092,435 </span><span class=\"S2A7B SA7 S2\" id=\"tf_133\">9,990,818 </span><span class=\"S2A7C SA7 S2\" id=\"tg_133\">50,641 </span><span class=\"S2A7D SA7 S2\" id=\"th_133\">9,646,119 </span><span class=\"S2A7E SA7 S2\" id=\"ti_133\">20,780,013 </span><span class=\"S2A7F SA7 S2\" id=\"tj_133\">Liabilities </span><span class=\"S2A80 SA7 S2\" id=\"tk_133\">(1,523,947) </span><span class=\"S2A81 SA7 S2\" id=\"tl_133\">(9,320,156) </span><span class=\"S2A82 SA7 S2\" id=\"tm_133\">(148,570) </span><span class=\"S2A83 SA7 S2\" id=\"tn_133\">(7,646,515) </span><span class=\"S2A84 SA7 S2\" id=\"to_133\">(18,639,188) </span><span class=\"S2A85 SA7 S2\" id=\"tp_133\">Derivative financial </span><span class=\"S2A86 SA7 S2\" id=\"tq_133\">instruments </span><span class=\"S2A87 SA7 S2\" id=\"tr_133\">499,444 </span><span class=\"S2A88 SA7 S2\" id=\"ts_133\">1,014,423 </span><span class=\"S2A89 SA7 S2\" id=\"tt_133\">161,697 </span><span class=\"S2A8A SA7 S2\" id=\"tu_133\">(355,391) </span><span class=\"S2A8B SA7 S2\" id=\"tv_133\">1,320,173 </span><span class=\"S2A8C SB S2\" id=\"tw_133\">Net position </span><span class=\"S2A8D SB S2\" id=\"tx_133\">67,932 </span><span class=\"S2A8E SB S2\" id=\"ty_133\">1,685,085 </span><span class=\"S2A8F SB S2\" id=\"tz_133\">63,768 </span><span class=\"S2A90 SB S2\" id=\"t10_133\">1,644,213 </span><span class=\"S2A91 SB S2\" id=\"t11_133\">3,460,998 </span><span class=\"S2A92 SB S2\" id=\"t12_133\">2021 </span><span class=\"S2A93 SB S2\" id=\"t13_133\">USD </span><span class=\"S2A94 SB S2\" id=\"t14_133\">EUR </span><span class=\"S2A95 SB S2\" id=\"t15_133\">CHF </span><span class=\"S2A96 SB S2\" id=\"t16_133\">Other </span><span class=\"S2A97 SB S2\" id=\"t17_133\">Total </span><span class=\"S2A98 SA7 S2\" id=\"t18_133\">Assets </span><span class=\"S2A99 SA7 S2\" id=\"t19_133\">1,163,960 </span><span class=\"S2A9A SA7 S2\" id=\"t1a_133\">7,661,460 </span><span class=\"S2A9B SA7 S2\" id=\"t1b_133\">88,639 </span><span class=\"S2A9C SA7 S2\" id=\"t1c_133\">7,677,060 </span><span class=\"S2A9D SA7 S2\" id=\"t1d_133\">16,591,119 </span><span class=\"S2A9E SA7 S2\" id=\"t1e_133\">Liabilities </span><span class=\"S2A9F SA7 S2\" id=\"t1f_133\">(1,013,972) </span><span class=\"S2AA0 SA7 S2\" id=\"t1g_133\">(6,769,472) </span><span class=\"S2AA1 SA7 S2\" id=\"t1h_133\">(107,902) </span><span class=\"S2AA2 SA7 S2\" id=\"t1i_133\">(5,971,941) </span><span class=\"S2AA3 SA7 S2\" id=\"t1j_133\">(13,863,287) </span><span class=\"S2AA4 SA7 S2\" id=\"t1k_133\">Derivative financial </span><span class=\"S2AA5 SA7 S2\" id=\"t1l_133\">instruments </span><span class=\"S2AA6 SA7 S2\" id=\"t1m_133\">(186,774) </span><span class=\"S2AA7 SA7 S2\" id=\"t1n_133\">(371,225) </span><span class=\"S2AA8 SA7 S2\" id=\"t1o_133\">32,021 </span><span class=\"S2AA9 SA7 S2\" id=\"t1p_133\">(101,951) </span><span class=\"S2AAA SA7 S2\" id=\"t1q_133\">(627,929) </span><span class=\"S2AAB SB S2\" id=\"t1r_133\">Net position </span><span class=\"S2AAC SB S2\" id=\"t1s_133\">(36,786) </span><span class=\"S2AAD SB S2\" id=\"t1t_133\">520,763 </span><span class=\"S2AAE SB S2\" id=\"t1u_133\">12,758 </span><span class=\"S2AAF SB S2\" id=\"t1v_133\">1,603,168 </span><span class=\"S2AB0 SB S2\" id=\"t1w_133\">2,099,903 </span><span class=\"S2AB1 SA7 S2\" id=\"t1x_133\">The table above provides an analysis of the main foreign currency exposures of the Group that arise in the non- </span><span class=\"S2AB2 SA7 S2\" id=\"t1y_133\">functional currency of the entities constituting the Group. The remaining foreign currencies are shown within </span><span class=\"S2AB3 S5B9 S2\" id=\"t1z_133\">\u2018Others\u2019. \u2018Others\u2019 category contains mainly foreign currencies </span><span class=\"S2AB4 SA7 S2\" id=\"t20_133\">in RON, RSD, HRK, UAH, RUB, BGN, ALL and </span><span class=\"S2AB5 SA7 S2\" id=\"t21_133\">MDL. The Group monitors its foreign exchange position for compliance with the regulatory requirements of the </span><span class=\"S2AB6 SA7 S2\" id=\"t22_133\">National Banks and its own limit system established in respect of limits on open positions. The measurement of </span><span class=\"S2AB7 S5B9 S2\" id=\"t23_133\">the open foreign currency position of the Group involves monitoring the \u201cVaR\u201d limit on the foreign exchange </span><span class=\"S9E7 SA7 S2\" id=\"t24_133\">exposure of the Group. The derivative financial instruments detailed in the table above are presented at fair value. </span><span class=\"S2AC1 SB S2\" id=\"t5_136\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_136\">As at 31 December 2022 [continued] </span><span class=\"S2C22 S2669 S2\" id=\"t7_136\">ASSETS [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_136\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_136\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_136\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_136\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_136\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_136\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_136\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_136\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_136\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_136\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_136\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_136\">Total </span><span class=\"S2C2F S2669 S2\" id=\"tk_136\">HUF </span><span class=\"S2C30 S2669 S2\" id=\"tl_136\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tm_136\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_136\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_136\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_136\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_136\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_136\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_136\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_136\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_136\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_136\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_136\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_136\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_136\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_136\">comprehensive income </span><span class=\"S2C3E S2669 S2\" id=\"t10_136\">150,015 </span><span class=\"S2C3F S2669 S2\" id=\"t11_136\">194,093 </span><span class=\"S2C40 S2669 S2\" id=\"t12_136\">62,611 </span><span class=\"S2C41 S2669 S2\" id=\"t13_136\">57,998 </span><span class=\"S2C42 S2669 S2\" id=\"t14_136\">127,352 </span><span class=\"S2C43 S2669 S2\" id=\"t15_136\">134,675 </span><span class=\"S2C44 S2669 S2\" id=\"t16_136\">15,327 </span><span class=\"S2C45 S2669 S2\" id=\"t17_136\">101,052 </span><span class=\"S2C46 S2669 S2\" id=\"t18_136\">278,680 </span><span class=\"S2C47 S2669 S2\" id=\"t19_136\">577,643 </span><span class=\"S2C48 S2669 S2\" id=\"t1a_136\">265 </span><span class=\"S2C49 S2669 S2\" id=\"t1b_136\">39,892 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_136\">634,250 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_136\">1,105,353 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_136\">1,739,603 </span><span class=\"S2C4D S266A S2\" id=\"t1f_136\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1g_136\">120,553 </span><span class=\"S2C4F S266A S2\" id=\"t1h_136\">194,092 </span><span class=\"S2C50 S266A S2\" id=\"t1i_136\">62,610 </span><span class=\"S2C51 S266A S2\" id=\"t1j_136\">44,277 </span><span class=\"S2C52 S266A S2\" id=\"t1k_136\">127,345 </span><span class=\"S2C53 S266A S2\" id=\"t1l_136\">134,675 </span><span class=\"S2C54 S266A S2\" id=\"t1m_136\">15,327 </span><span class=\"S2C55 S266A S2\" id=\"t1n_136\">100,597 </span><span class=\"S2C56 S266A S2\" id=\"t1o_136\">278,680 </span><span class=\"S2C57 S266A S2\" id=\"t1p_136\">577,643 </span><span class=\"S2C58 S266A S2\" id=\"t1q_136\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_136\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_136\">604,515 </span><span class=\"S2C5B S266A S2\" id=\"t1t_136\">1,051,284 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_136\">1,655,799 </span><span class=\"S2C5C S266A S2\" id=\"t1v_136\">variable rate </span><span class=\"S2C5D S266A S2\" id=\"t1w_136\">29,462 </span><span class=\"S2C5E S266A S2\" id=\"t1x_136\">1 </span><span class=\"S2C5F S266A S2\" id=\"t1y_136\">1 </span><span class=\"S2C60 S266A S2\" id=\"t1z_136\">13,721 </span><span class=\"S2C61 S266A S2\" id=\"t20_136\">7 </span><span class=\"S2C62 S266A S2\" id=\"t21_136\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_136\">- </span><span class=\"S2C64 S266A S2\" id=\"t23_136\">455 </span><span class=\"S2C65 S266A S2\" id=\"t24_136\">- </span><span class=\"S2C66 S266A S2\" id=\"t25_136\">- </span><span class=\"S2C67 S266A S2\" id=\"t26_136\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_136\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_136\">29,470 </span><span class=\"S2C6A S266A S2\" id=\"t29_136\">14,177 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_136\">43,647 </span><span class=\"S2C6C S266A S2\" id=\"t2b_136\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2c_136\">- </span><span class=\"S2C6E S266A S2\" id=\"t2d_136\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_136\">- </span><span class=\"S2C70 S266A S2\" id=\"t2f_136\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_136\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_136\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_136\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_136\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_136\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_136\">- </span><span class=\"S2C77 S266A S2\" id=\"t2m_136\">265 </span><span class=\"S2C78 S266A S2\" id=\"t2n_136\">39,892 </span><span class=\"S2C79 S266A S2\" id=\"t2o_136\">265 </span><span class=\"S2C7A S266A S2\" id=\"t2p_136\">39,892 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_136\">40,157 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_136\">Securities at amortized cost </span><span class=\"S2C7D S2669 S2\" id=\"t2s_136\">197,317 </span><span class=\"S2C7E S2669 S2\" id=\"t2t_136\">364,928 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_136\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_136\">61,623 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_136\">375,979 </span><span class=\"S2C82 S2669 S2\" id=\"t2x_136\">216,496 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_136\">288,026 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_136\">48,565 </span><span class=\"S2C85 S2669 S2\" id=\"t30_136\">2,247,457 </span><span class=\"S2C86 S2669 S2\" id=\"t31_136\">1,091,547 </span><span class=\"S2C87 S2669 S2\" id=\"t32_136\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_136\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_136\">3,108,779 </span><span class=\"S2C8A S2669 S2\" id=\"t35_136\">1,783,159 </span><span class=\"S2B1F S2669 S2\" id=\"t36_136\">4,891,938 </span><span class=\"S2C8B S266A S2\" id=\"t37_136\">fixed rate </span><span class=\"S2C8C S266A S2\" id=\"t38_136\">177,967 </span><span class=\"S2C8D S266A S2\" id=\"t39_136\">364,928 </span><span class=\"S2C8E S266A S2\" id=\"t3a_136\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_136\">56,550 </span><span class=\"S2C90 S266A S2\" id=\"t3c_136\">375,979 </span><span class=\"S2C91 S266A S2\" id=\"t3d_136\">216,496 </span><span class=\"S2C92 S266A S2\" id=\"t3e_136\">288,026 </span><span class=\"S2C93 S266A S2\" id=\"t3f_136\">48,565 </span><span class=\"S2C94 S266A S2\" id=\"t3g_136\">2,247,457 </span><span class=\"S2C95 S266A S2\" id=\"t3h_136\">1,090,235 </span><span class=\"S2C96 S266A S2\" id=\"t3i_136\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_136\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_136\">3,089,429 </span><span class=\"S2C99 S266A S2\" id=\"t3l_136\">1,776,774 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_136\">4,866,203 </span><span class=\"S2C9A S266A S2\" id=\"t3n_136\">variable rate </span><span class=\"S2C9B S266A S2\" id=\"t3o_136\">19,350 </span><span class=\"S2C9C S266A S2\" id=\"t3p_136\">- </span><span class=\"S2C9D S266A S2\" id=\"t3q_136\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_136\">5,073 </span><span class=\"S2C9F S266A S2\" id=\"t3s_136\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_136\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_136\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_136\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_136\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3x_136\">1,312 </span><span class=\"S2CA5 S266A S2\" id=\"t3y_136\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_136\">- </span><span class=\"S2CA7 S266A S2\" id=\"t40_136\">19,350 </span><span class=\"S2CA8 S266A S2\" id=\"t41_136\">6,385 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_136\">25,735 </span><span class=\"S2CAA S266A S2\" id=\"t43_136\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t44_136\">- </span><span class=\"S2CAC S266A S2\" id=\"t45_136\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_136\">- </span><span class=\"S2CAE S266A S2\" id=\"t47_136\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_136\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_136\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_136\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_136\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_136\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_136\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_136\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_136\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_136\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_136\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_136\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_136\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_136\">allowance for loan losses </span><span class=\"S2CBC S2669 S2\" id=\"t4l_136\">186,499 </span><span class=\"S2CBD S2669 S2\" id=\"t4m_136\">6,653,388 </span><span class=\"S2CBE S2669 S2\" id=\"t4n_136\">2,251,999 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_136\">2,762,858 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_136\">77,681 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_136\">1,428,579 </span><span class=\"S2CC2 S2669 S2\" id=\"t4r_136\">38,430 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_136\">403,633 </span><span class=\"S2CC4 S2669 S2\" id=\"t4t_136\">961,205 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_136\">1,116,179 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_136\">129,999 </span><span class=\"S2CC7 S2669 S2\" id=\"t4w_136\">84,008 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_136\">3,645,813 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_136\">12,448,645 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_136\">16,094,458 </span><span class=\"S2B6F S266A S2\" id=\"t50_136\">fixed rate </span><span class=\"S2CCB S266A S2\" id=\"t51_136\">20,139 </span><span class=\"S2CCC S266A S2\" id=\"t52_136\">1,643,455 </span><span class=\"S2CCD S266A S2\" id=\"t53_136\">1,160,027 </span><span class=\"S2CCE S266A S2\" id=\"t54_136\">324,583 </span><span class=\"S2CCF S266A S2\" id=\"t55_136\">14,300 </span><span class=\"S2CD0 S266A S2\" id=\"t56_136\">565,806 </span><span class=\"S2CD1 S266A S2\" id=\"t57_136\">11,987 </span><span class=\"S2CD2 S266A S2\" id=\"t58_136\">344,884 </span><span class=\"S2CD3 S266A S2\" id=\"t59_136\">290,461 </span><span class=\"S2CD4 S266A S2\" id=\"t5a_136\">1,016,774 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_136\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_136\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_136\">1,496,914 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_136\">3,895,502 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_136\">5,392,416 </span><span class=\"S2B7F S266A S2\" id=\"t5g_136\">variable rate </span><span class=\"S2CDA S266A S2\" id=\"t5h_136\">166,360 </span><span class=\"S2CDB S266A S2\" id=\"t5i_136\">5,009,933 </span><span class=\"S2CDC S266A S2\" id=\"t5j_136\">1,091,972 </span><span class=\"S2CDD S266A S2\" id=\"t5k_136\">2,438,275 </span><span class=\"S2CDE S266A S2\" id=\"t5l_136\">63,381 </span><span class=\"S2CDF S266A S2\" id=\"t5m_136\">862,773 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_136\">26,443 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_136\">58,749 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_136\">670,744 </span><span class=\"S2CE3 S266A S2\" id=\"t5q_136\">99,405 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_136\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_136\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_136\">2,018,900 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_136\">8,469,135 </span><span class=\"S2CE8 S2669 S2\" id=\"t5v_136\">10,488,035 </span><span class=\"S2B8F S266A S2\" id=\"t5w_136\">non-interest-bearing </span><span class=\"S2CE9 S266A S2\" id=\"t5x_136\">- </span><span class=\"S2CEA S266A S2\" id=\"t5y_136\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_136\">- </span><span class=\"S2CEC S266A S2\" id=\"t60_136\">- </span><span class=\"S2CED S266A S2\" id=\"t61_136\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_136\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_136\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_136\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_136\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_136\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_136\">129,999 </span><span class=\"S2CF4 S266A S2\" id=\"t68_136\">84,008 </span><span class=\"S2CF5 S266A S2\" id=\"t69_136\">129,999 </span><span class=\"S2CF6 S266A S2\" id=\"t6a_136\">84,008 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_136\">214,007 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_136\">Finance lease receivables </span><span class=\"S2CF9 S2669 S2\" id=\"t6d_136\">70,923 </span><span class=\"S2CFA S2669 S2\" id=\"t6e_136\">326,963 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_136\">10,843 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_136\">147,623 </span><span class=\"S2CFD S2669 S2\" id=\"t6h_136\">21,539 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_136\">183,361 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_136\">30,106 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_136\">94,727 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_136\">217,805 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_136\">182,904 </span><span class=\"S2D03 S2669 S2\" id=\"t6n_136\">194 </span><span class=\"S2D04 S2669 S2\" id=\"t6o_136\">11,764 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_136\">351,410 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_136\">947,342 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_136\">1,298,752 </span><span class=\"S2D08 S266A S2\" id=\"t6s_136\">fixed rate </span><span class=\"S2D09 S266A S2\" id=\"t6t_136\">5,969 </span><span class=\"S2D0A S266A S2\" id=\"t6u_136\">144,070 </span><span class=\"S2D0B S266A S2\" id=\"t6v_136\">818 </span><span class=\"S2D0C S266A S2\" id=\"t6w_136\">8,234 </span><span class=\"S2D0D S266A S2\" id=\"t6x_136\">8,971 </span><span class=\"S2D0E S266A S2\" id=\"t6y_136\">36,041 </span><span class=\"S2D0F S266A S2\" id=\"t6z_136\">29,796 </span><span class=\"S2D10 S266A S2\" id=\"t70_136\">34,165 </span><span class=\"S2D11 S266A S2\" id=\"t71_136\">207,861 </span><span class=\"S2D12 S266A S2\" id=\"t72_136\">75,332 </span><span class=\"S2D13 S266A S2\" id=\"t73_136\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_136\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_136\">253,415 </span><span class=\"S2D16 S266A S2\" id=\"t76_136\">297,842 </span><span class=\"S2BAF S2669 S2\" id=\"t77_136\">551,257 </span><span class=\"S2D17 S266A S2\" id=\"t78_136\">variable rate </span><span class=\"S2D18 S266A S2\" id=\"t79_136\">64,954 </span><span class=\"S2D19 S266A S2\" id=\"t7a_136\">182,893 </span><span class=\"S2D1A S266A S2\" id=\"t7b_136\">10,025 </span><span class=\"S2D1B S266A S2\" id=\"t7c_136\">139,389 </span><span class=\"S2D1C S266A S2\" id=\"t7d_136\">12,568 </span><span class=\"S2D1D S266A S2\" id=\"t7e_136\">147,320 </span><span class=\"S2D1E S266A S2\" id=\"t7f_136\">310 </span><span class=\"S2D1F S266A S2\" id=\"t7g_136\">60,562 </span><span class=\"S2D20 S266A S2\" id=\"t7h_136\">9,944 </span><span class=\"S2D21 S266A S2\" id=\"t7i_136\">107,572 </span><span class=\"S2D22 S266A S2\" id=\"t7j_136\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_136\">- </span><span class=\"S2D24 S266A S2\" id=\"t7l_136\">97,801 </span><span class=\"S2D25 S266A S2\" id=\"t7m_136\">637,736 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_136\">735,537 </span><span class=\"S2D27 S266A S2\" id=\"t7o_136\">non-interest-bearing </span><span class=\"S2D28 S266A S2\" id=\"t7p_136\">- </span><span class=\"S2D29 S266A S2\" id=\"t7q_136\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_136\">- </span><span class=\"S2D2B S266A S2\" id=\"t7s_136\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_136\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_136\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_136\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_136\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_136\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_136\">- </span><span class=\"S2D32 S266A S2\" id=\"t7z_136\">194 </span><span class=\"S2D33 S266A S2\" id=\"t80_136\">11,764 </span><span class=\"S2D34 S266A S2\" id=\"t81_136\">194 </span><span class=\"S2D35 S266A S2\" id=\"t82_136\">11,764 </span><span class=\"S2BCF S2669 S2\" id=\"t83_136\">11,958 </span><span class=\"S2D36 S2669 S2\" id=\"t84_136\">Loans mandatorily at fair value </span><span class=\"S2D37 S2669 S2\" id=\"t85_136\">through profit or loss </span><span class=\"S2D38 S2669 S2\" id=\"t86_136\">26,449 </span><span class=\"S2D39 S2669 S2\" id=\"t87_136\">- </span><span class=\"S2D3A S2669 S2\" id=\"t88_136\">10,992 </span><span class=\"S2D3B S2669 S2\" id=\"t89_136\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_136\">70,371 </span><span class=\"S1381 S2669 S2\" id=\"t8b_136\">- </span><span class=\"S2D3D S2669 S2\" id=\"t8c_136\">231,141 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_136\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_136\">908,461 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_136\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_136\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_136\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_136\">1,247,414 </span><span class=\"S2D44 S2669 S2\" id=\"t8j_136\">- </span><span class=\"S2D45 S2669 S2\" id=\"t8k_136\">1,247,414 </span><span class=\"S2D46 S266A S2\" id=\"t8l_136\">fixed rate </span><span class=\"S2D47 S266A S2\" id=\"t8m_136\">- </span><span class=\"S2D48 S266A S2\" id=\"t8n_136\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_136\">- </span><span class=\"S240F S266A S2\" id=\"t8p_136\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_136\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_136\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_136\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_136\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_136\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_136\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_136\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_136\">- </span><span class=\"S2D52 S266A S2\" id=\"t8y_136\">- </span><span class=\"S2D53 S266A S2\" id=\"t8z_136\">- </span><span class=\"S2D54 S2669 S2\" id=\"t90_136\">- </span><span class=\"S2D55 S266A S2\" id=\"t91_136\">variable rate </span><span class=\"S2D56 S266A S2\" id=\"t92_136\">26,449 </span><span class=\"S2D57 S266A S2\" id=\"t93_136\">- </span><span class=\"S2D58 S266A S2\" id=\"t94_136\">10,992 </span><span class=\"S2D59 S266A S2\" id=\"t95_136\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_136\">70,371 </span><span class=\"S2D5B S266A S2\" id=\"t97_136\">- </span><span class=\"S2D5C S266A S2\" id=\"t98_136\">231,141 </span><span class=\"S2D5D S266A S2\" id=\"t99_136\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_136\">908,461 </span><span class=\"S2D5F S266A S2\" id=\"t9b_136\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_136\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_136\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_136\">1,247,414 </span><span class=\"S2D63 S266A S2\" id=\"t9f_136\">- </span><span class=\"S2D64 S2669 S2\" id=\"t9g_136\">1,247,414 </span><span class=\"S2D65 S266A S2\" id=\"t9h_136\">non-interest-bearing </span><span class=\"S2D66 S266A S2\" id=\"t9i_136\">- </span><span class=\"S2D67 S266A S2\" id=\"t9j_136\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_136\">- </span><span class=\"S2D69 S266A S2\" id=\"t9l_136\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_136\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_136\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_136\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_136\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_136\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_136\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_136\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_136\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_136\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_136\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_136\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_136\">Fair value adjustment of derivative </span><span class=\"S2D75 S2669 S2\" id=\"t9y_136\">financial instruments </span><span class=\"S2D76 S2669 S2\" id=\"t9z_136\">1,808,603 </span><span class=\"S2D77 S2669 S2\" id=\"ta0_136\">3,091,633 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_136\">906,446 </span><span class=\"S2D79 S2669 S2\" id=\"ta2_136\">1,424,864 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_136\">485,449 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_136\">545,738 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_136\">36,682 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_136\">35,986 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_136\">183,664 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_136\">98,654 </span><span class=\"S2D80 S2669 S2\" id=\"ta9_136\">28,204 </span><span class=\"S2D81 S2669 S2\" id=\"taa_136\">730,436 </span><span class=\"S2D82 S2669 S2\" id=\"tab_136\">3,449,048 </span><span class=\"S2D83 S2669 S2\" id=\"tac_136\">5,927,311 </span><span class=\"S2D84 S2669 S2\" id=\"tad_136\">9,376,359 </span><span class=\"S2D85 S266A S2\" id=\"tae_136\">fixed rate </span><span class=\"S2D86 S266A S2\" id=\"taf_136\">1,687,569 </span><span class=\"S2D87 S266A S2\" id=\"tag_136\">3,023,972 </span><span class=\"S2D88 S266A S2\" id=\"tah_136\">428,080 </span><span class=\"S2D89 S266A S2\" id=\"tai_136\">879,090 </span><span class=\"S2D8A S266A S2\" id=\"taj_136\">271,921 </span><span class=\"S2D8B S266A S2\" id=\"tak_136\">518,869 </span><span class=\"S2D8C S266A S2\" id=\"tal_136\">36,682 </span><span class=\"S2D8D S266A S2\" id=\"tam_136\">35,986 </span><span class=\"S2D8E S266A S2\" id=\"tan_136\">183,664 </span><span class=\"S2D8F S266A S2\" id=\"tao_136\">98,654 </span><span class=\"S2D90 S266A S2\" id=\"tap_136\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_136\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_136\">2,607,916 </span><span class=\"S2D93 S266A S2\" id=\"tas_136\">4,556,571 </span><span class=\"S2D94 S2669 S2\" id=\"tat_136\">7,164,487 </span><span class=\"S2D95 S266A S2\" id=\"tau_136\">variable rate </span><span class=\"S2D96 S266A S2\" id=\"tav_136\">121,034 </span><span class=\"S2D97 S266A S2\" id=\"taw_136\">67,661 </span><span class=\"S2D98 S266A S2\" id=\"tax_136\">478,366 </span><span class=\"S2D99 S266A S2\" id=\"tay_136\">545,774 </span><span class=\"S2D9A S266A S2\" id=\"taz_136\">213,528 </span><span class=\"S2D9B S266A S2\" id=\"tb0_136\">26,869 </span><span class=\"S2D9C S266A S2\" id=\"tb1_136\">- </span><span class=\"S2D9D S266A S2\" id=\"tb2_136\">- </span><span class=\"S2D9E S266A S2\" id=\"tb3_136\">- </span><span class=\"S2D9F S266A S2\" id=\"tb4_136\">- </span><span class=\"S2DA0 S266A S2\" id=\"tb5_136\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_136\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_136\">812,928 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_136\">640,304 </span><span class=\"S2DA4 S2669 S2\" id=\"tb9_136\">1,453,232 </span><span class=\"S2DA5 S266A S2\" id=\"tba_136\">non-interest-bearing </span><span class=\"S2DA6 S266A S2\" id=\"tbb_136\">- </span><span class=\"S2DA7 S266A S2\" id=\"tbc_136\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_136\">- </span><span class=\"S2DA9 S266A S2\" id=\"tbe_136\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_136\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_136\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_136\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_136\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_136\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_136\">- </span><span class=\"S2DB0 S266A S2\" id=\"tbl_136\">28,204 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_136\">730,436 </span><span class=\"S2DB2 S266A S2\" id=\"tbn_136\">28,204 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_136\">730,436 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_136\">758,640 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_136\">Other financial assets </span><span class=\"S2DB6 S2669 S2\" id=\"tbr_136\">2,217 </span><span class=\"S2DB7 S2669 S2\" id=\"tbs_136\">25,400 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_136\">2,703 </span><span class=\"S2DB9 S2669 S2\" id=\"tbu_136\">1,316 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_136\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_136\">712 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_136\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_136\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_136\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_136\">143 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_136\">93,577 </span><span class=\"S2DC1 S2669 S2\" id=\"tc2_136\">136,913 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_136\">98,497 </span><span class=\"S2DC3 S2669 S2\" id=\"tc4_136\">164,484 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_136\">262,981 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_136\">fixed rate </span><span class=\"S2DC6 S266A S2\" id=\"tc7_136\">2,217 </span><span class=\"S2DC7 S266A S2\" id=\"tc8_136\">14,552 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_136\">2,504 </span><span class=\"S2DC9 S266A S2\" id=\"tca_136\">1,018 </span><span class=\"S2DCA S266A S2\" id=\"tcb_136\">- </span><span class=\"S2DCB S266A S2\" id=\"tcc_136\">712 </span><span class=\"S2DCC S266A S2\" id=\"tcd_136\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_136\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_136\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_136\">123 </span><span class=\"S2DD0 S266A S2\" id=\"tch_136\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_136\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_136\">4,721 </span><span class=\"S2DD3 S266A S2\" id=\"tck_136\">16,405 </span><span class=\"S2DD4 S2669 S2\" id=\"tcl_136\">21,126 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_136\">variable rate </span><span class=\"S2DD6 S266A S2\" id=\"tcn_136\">- </span><span class=\"S2DD7 S266A S2\" id=\"tco_136\">10,848 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_136\">199 </span><span class=\"S2DD9 S266A S2\" id=\"tcq_136\">298 </span><span class=\"S2DDA S266A S2\" id=\"tcr_136\">- </span><span class=\"S2DDB S266A S2\" id=\"tcs_136\">- </span><span class=\"S2DDC S266A S2\" id=\"tct_136\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_136\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_136\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_136\">20 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_136\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_136\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_136\">199 </span><span class=\"S2DE3 S266A S2\" id=\"td0_136\">11,166 </span><span class=\"S2DE4 S2669 S2\" id=\"td1_136\">11,365 </span><span class=\"S2DE5 S266A S2\" id=\"td2_136\">non-interest-bearing </span><span class=\"S2DE6 S266A S2\" id=\"td3_136\">- </span><span class=\"S2DE7 S266A S2\" id=\"td4_136\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_136\">- </span><span class=\"S2DE9 S266A S2\" id=\"td6_136\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_136\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_136\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_136\">- </span><span class=\"S2DED S266A S2\" id=\"tda_136\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_136\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_136\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_136\">93,577 </span><span class=\"S2DF1 S266A S2\" id=\"tde_136\">136,913 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_136\">93,577 </span><span class=\"S2DF3 S266A S2\" id=\"tdg_136\">136,913 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_136\">230,490 </span><span class=\"S2AC1 SB S2\" id=\"t5_138\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_138\">As at 31 December 2022 [continued] </span><span class=\"S2F3B S2669 S2\" id=\"t7_138\">LIABILITIES [continued] </span><span class=\"S2F3C S2669 S2\" id=\"t8_138\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_138\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_138\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_138\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_138\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_138\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_138\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_138\">Over 2 years </span><span class=\"S2F3D S2669 S2\" id=\"tg_138\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_138\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_138\">Total </span><span class=\"S2F3F S2669 S2\" id=\"tj_138\">HUF </span><span class=\"S2F40 S2669 S2\" id=\"tk_138\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tl_138\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_138\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_138\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_138\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_138\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_138\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"tr_138\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_138\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_138\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_138\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_138\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_138\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_138\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_138\">financial instruments </span><span class=\"S2F47 S2669 S2\" id=\"tz_138\">2,868,787 </span><span class=\"S2F48 S2669 S2\" id=\"t10_138\">2,091,600 </span><span class=\"S2F49 S2669 S2\" id=\"t11_138\">478,930 </span><span class=\"S2F4A S2669 S2\" id=\"t12_138\">1,824,450 </span><span class=\"S2C42 S2669 S2\" id=\"t13_138\">577,862 </span><span class=\"S2F4B S2669 S2\" id=\"t14_138\">556,209 </span><span class=\"S2C44 S2669 S2\" id=\"t15_138\">22,780 </span><span class=\"S2F4C S2669 S2\" id=\"t16_138\">36,714 </span><span class=\"S2F4D S2669 S2\" id=\"t17_138\">118,071 </span><span class=\"S2C47 S2669 S2\" id=\"t18_138\">113,968 </span><span class=\"S2F4E S2669 S2\" id=\"t19_138\">246,135 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_138\">529,820 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_138\">4,312,565 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_138\">5,152,761 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_138\">9,465,326 </span><span class=\"S2C4D S266A S2\" id=\"t1e_138\">fixed rate </span><span class=\"S2F52 S266A S2\" id=\"t1f_138\">2,783,756 </span><span class=\"S2F53 S266A S2\" id=\"t1g_138\">1,945,423 </span><span class=\"S2F54 S266A S2\" id=\"t1h_138\">331,253 </span><span class=\"S2F55 S266A S2\" id=\"t1i_138\">972,676 </span><span class=\"S2C52 S266A S2\" id=\"t1j_138\">218,514 </span><span class=\"S2F56 S266A S2\" id=\"t1k_138\">531,863 </span><span class=\"S2C54 S266A S2\" id=\"t1l_138\">22,758 </span><span class=\"S2F57 S266A S2\" id=\"t1m_138\">36,714 </span><span class=\"S2F58 S266A S2\" id=\"t1n_138\">118,071 </span><span class=\"S2C57 S266A S2\" id=\"t1o_138\">113,968 </span><span class=\"S2F59 S266A S2\" id=\"t1p_138\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_138\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_138\">3,474,352 </span><span class=\"S2F5C S266A S2\" id=\"t1s_138\">3,600,644 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_138\">7,074,996 </span><span class=\"S2C5C S266A S2\" id=\"t1u_138\">variable rate </span><span class=\"S2F5D S266A S2\" id=\"t1v_138\">85,031 </span><span class=\"S2F5E S266A S2\" id=\"t1w_138\">146,177 </span><span class=\"S2F5F S266A S2\" id=\"t1x_138\">147,677 </span><span class=\"S2F60 S266A S2\" id=\"t1y_138\">851,774 </span><span class=\"S2F61 S266A S2\" id=\"t1z_138\">359,348 </span><span class=\"S2F62 S266A S2\" id=\"t20_138\">24,346 </span><span class=\"S2F63 S266A S2\" id=\"t21_138\">22 </span><span class=\"S2F64 S266A S2\" id=\"t22_138\">- </span><span class=\"S2C65 S266A S2\" id=\"t23_138\">- </span><span class=\"S2C66 S266A S2\" id=\"t24_138\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_138\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_138\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_138\">592,078 </span><span class=\"S2F68 S266A S2\" id=\"t28_138\">1,022,297 </span><span class=\"S2AFF S2669 S2\" id=\"t29_138\">1,614,375 </span><span class=\"S2C6C S266A S2\" id=\"t2a_138\">non-interest-bearing </span><span class=\"S2F69 S266A S2\" id=\"t2b_138\">- </span><span class=\"S2C6E S266A S2\" id=\"t2c_138\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_138\">- </span><span class=\"S2C70 S266A S2\" id=\"t2e_138\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_138\">- </span><span class=\"S2C72 S266A S2\" id=\"t2g_138\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_138\">- </span><span class=\"S2C74 S266A S2\" id=\"t2i_138\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_138\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_138\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_138\">246,135 </span><span class=\"S2F6B S266A S2\" id=\"t2m_138\">529,820 </span><span class=\"S2F6C S266A S2\" id=\"t2n_138\">246,135 </span><span class=\"S2F6D S266A S2\" id=\"t2o_138\">529,820 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_138\">775,955 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_138\">Leasing liabilities </span><span class=\"S2F6F S2669 S2\" id=\"t2r_138\">2,005 </span><span class=\"S2F70 S2669 S2\" id=\"t2s_138\">9,146 </span><span class=\"S2F71 S2669 S2\" id=\"t2t_138\">2 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_138\">1,329 </span><span class=\"S2F73 S2669 S2\" id=\"t2v_138\">- </span><span class=\"S2F74 S2669 S2\" id=\"t2w_138\">5,384 </span><span class=\"S2F75 S2669 S2\" id=\"t2x_138\">4 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_138\">7,647 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_138\">1,277 </span><span class=\"S2F78 S2669 S2\" id=\"t30_138\">31,084 </span><span class=\"S2F79 S2669 S2\" id=\"t31_138\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_138\">5,900 </span><span class=\"S2F7B S2669 S2\" id=\"t33_138\">3,288 </span><span class=\"S2F7C S2669 S2\" id=\"t34_138\">60,490 </span><span class=\"S2F7D S2669 S2\" id=\"t35_138\">63,778 </span><span class=\"S2C8B S266A S2\" id=\"t36_138\">fixed rate </span><span class=\"S2F7E S266A S2\" id=\"t37_138\">1,905 </span><span class=\"S2F7F S266A S2\" id=\"t38_138\">8,686 </span><span class=\"S2F80 S266A S2\" id=\"t39_138\">1 </span><span class=\"S2F81 S266A S2\" id=\"t3a_138\">408 </span><span class=\"S2F82 S266A S2\" id=\"t3b_138\">- </span><span class=\"S2F83 S266A S2\" id=\"t3c_138\">2,197 </span><span class=\"S2F84 S266A S2\" id=\"t3d_138\">4 </span><span class=\"S2F85 S266A S2\" id=\"t3e_138\">2,541 </span><span class=\"S2F86 S266A S2\" id=\"t3f_138\">1,277 </span><span class=\"S2F87 S266A S2\" id=\"t3g_138\">17,244 </span><span class=\"S2F88 S266A S2\" id=\"t3h_138\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_138\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_138\">3,187 </span><span class=\"S2F8B S266A S2\" id=\"t3k_138\">31,076 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_138\">34,263 </span><span class=\"S2C9A S266A S2\" id=\"t3m_138\">variable rate </span><span class=\"S2F8D S266A S2\" id=\"t3n_138\">100 </span><span class=\"S2F8E S266A S2\" id=\"t3o_138\">460 </span><span class=\"S2F8F S266A S2\" id=\"t3p_138\">1 </span><span class=\"S2F90 S266A S2\" id=\"t3q_138\">921 </span><span class=\"S2C9F S266A S2\" id=\"t3r_138\">- </span><span class=\"S2F91 S266A S2\" id=\"t3s_138\">3,187 </span><span class=\"S2CA1 S266A S2\" id=\"t3t_138\">- </span><span class=\"S2F92 S266A S2\" id=\"t3u_138\">5,106 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_138\">- </span><span class=\"S2F93 S266A S2\" id=\"t3w_138\">13,840 </span><span class=\"S2F94 S266A S2\" id=\"t3x_138\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_138\">- </span><span class=\"S2F96 S266A S2\" id=\"t3z_138\">101 </span><span class=\"S2F97 S266A S2\" id=\"t40_138\">23,514 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_138\">23,615 </span><span class=\"S2CAA S266A S2\" id=\"t42_138\">non-interest-bearing </span><span class=\"S2F98 S266A S2\" id=\"t43_138\">- </span><span class=\"S2CAC S266A S2\" id=\"t44_138\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_138\">- </span><span class=\"S2CAE S266A S2\" id=\"t46_138\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_138\">- </span><span class=\"S2CB0 S266A S2\" id=\"t48_138\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_138\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4a_138\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_138\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_138\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_138\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_138\">5,900 </span><span class=\"S2F9B S266A S2\" id=\"t4f_138\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_138\">5,900 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_138\">5,900 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_138\">Other financial liabilities </span><span class=\"S2F9F S2669 S2\" id=\"t4j_138\">93,677 </span><span class=\"S2FA0 S2669 S2\" id=\"t4k_138\">36,041 </span><span class=\"S2FA1 S2669 S2\" id=\"t4l_138\">2,247 </span><span class=\"S2FA2 S2669 S2\" id=\"t4m_138\">1,735 </span><span class=\"S2FA3 S2669 S2\" id=\"t4n_138\">11 </span><span class=\"S2FA4 S2669 S2\" id=\"t4o_138\">6,706 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_138\">- </span><span class=\"S2FA6 S2669 S2\" id=\"t4q_138\">2,494 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_138\">- </span><span class=\"S2FA8 S2669 S2\" id=\"t4s_138\">2,408 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_138\">288,478 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_138\">211,855 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_138\">384,413 </span><span class=\"S2FAC S2669 S2\" id=\"t4w_138\">261,239 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_138\">645,652 </span><span class=\"S2FAD S266A S2\" id=\"t4y_138\">fixed rate </span><span class=\"S2FAE S266A S2\" id=\"t4z_138\">93,668 </span><span class=\"S2FAF S266A S2\" id=\"t50_138\">35,843 </span><span class=\"S2FB0 S266A S2\" id=\"t51_138\">1,748 </span><span class=\"S2FB1 S266A S2\" id=\"t52_138\">1,735 </span><span class=\"S2FB2 S266A S2\" id=\"t53_138\">7 </span><span class=\"S2FB3 S266A S2\" id=\"t54_138\">3,283 </span><span class=\"S2FB4 S266A S2\" id=\"t55_138\">- </span><span class=\"S2FB5 S266A S2\" id=\"t56_138\">2,401 </span><span class=\"S2FB6 S266A S2\" id=\"t57_138\">- </span><span class=\"S2FB7 S266A S2\" id=\"t58_138\">2,319 </span><span class=\"S2FB8 S266A S2\" id=\"t59_138\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_138\">- </span><span class=\"S2FBA S266A S2\" id=\"t5b_138\">95,423 </span><span class=\"S2FBB S266A S2\" id=\"t5c_138\">45,581 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_138\">141,004 </span><span class=\"S2FBD S266A S2\" id=\"t5e_138\">variable rate </span><span class=\"S2FBE S266A S2\" id=\"t5f_138\">9 </span><span class=\"S2FBF S266A S2\" id=\"t5g_138\">198 </span><span class=\"S2FC0 S266A S2\" id=\"t5h_138\">499 </span><span class=\"S2FC1 S266A S2\" id=\"t5i_138\">- </span><span class=\"S2FC2 S266A S2\" id=\"t5j_138\">4 </span><span class=\"S2FC3 S266A S2\" id=\"t5k_138\">3,423 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_138\">- </span><span class=\"S2FC5 S266A S2\" id=\"t5m_138\">93 </span><span class=\"S2FC6 S266A S2\" id=\"t5n_138\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_138\">89 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_138\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_138\">- </span><span class=\"S2FCA S266A S2\" id=\"t5r_138\">512 </span><span class=\"S2FCB S266A S2\" id=\"t5s_138\">3,803 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_138\">4,315 </span><span class=\"S2FCD S266A S2\" id=\"t5u_138\">non-interest-bearing </span><span class=\"S2FCE S266A S2\" id=\"t5v_138\">- </span><span class=\"S2FCF S266A S2\" id=\"t5w_138\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_138\">- </span><span class=\"S2FD1 S266A S2\" id=\"t5y_138\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_138\">- </span><span class=\"S2FD3 S266A S2\" id=\"t60_138\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_138\">- </span><span class=\"S2FD5 S266A S2\" id=\"t62_138\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_138\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_138\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_138\">288,478 </span><span class=\"S2FD9 S266A S2\" id=\"t66_138\">211,855 </span><span class=\"S2FDA S266A S2\" id=\"t67_138\">288,478 </span><span class=\"S2FDB S266A S2\" id=\"t68_138\">211,855 </span><span class=\"S2FDC S2669 S2\" id=\"t69_138\">500,333 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_138\">Subordinated bonds and loans </span><span class=\"S2FDE S2669 S2\" id=\"t6b_138\">- </span><span class=\"S2CEA S2669 S2\" id=\"t6c_138\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_138\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_138\">93,110 </span><span class=\"S2CED S2669 S2\" id=\"t6f_138\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_138\">201,076 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_138\">- </span><span class=\"S2CF0 S2669 S2\" id=\"t6i_138\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_138\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_138\">7,798 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_138\">- </span><span class=\"S2FE3 S2669 S2\" id=\"t6m_138\">- </span><span class=\"S2FE4 S2669 S2\" id=\"t6n_138\">- </span><span class=\"S2FE5 S2669 S2\" id=\"t6o_138\">301,984 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_138\">301,984 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_138\">fixed rate </span><span class=\"S2FE7 S266A S2\" id=\"t6r_138\">- </span><span class=\"S2FE8 S266A S2\" id=\"t6s_138\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_138\">- </span><span class=\"S2FEA S266A S2\" id=\"t6u_138\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_138\">- </span><span class=\"S2FEC S266A S2\" id=\"t6w_138\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_138\">- </span><span class=\"S2FEE S266A S2\" id=\"t6y_138\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_138\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_138\">7,798 </span><span class=\"S2FF1 S266A S2\" id=\"t71_138\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_138\">- </span><span class=\"S2FF3 S266A S2\" id=\"t73_138\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_138\">7,798 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_138\">7,798 </span><span class=\"S2FF6 S266A S2\" id=\"t76_138\">variable rate </span><span class=\"S2FF7 S266A S2\" id=\"t77_138\">- </span><span class=\"S2FF8 S266A S2\" id=\"t78_138\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_138\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_138\">93,110 </span><span class=\"S2FFB S266A S2\" id=\"t7b_138\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_138\">201,076 </span><span class=\"S2FFD S266A S2\" id=\"t7d_138\">- </span><span class=\"S2FFE S266A S2\" id=\"t7e_138\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_138\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_138\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_138\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_138\">- </span><span class=\"S3003 S266A S2\" id=\"t7j_138\">- </span><span class=\"S3004 S266A S2\" id=\"t7k_138\">294,186 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_138\">294,186 </span><span class=\"S3005 S266A S2\" id=\"t7m_138\">non-interest-bearing </span><span class=\"S3006 S266A S2\" id=\"t7n_138\">- </span><span class=\"S3007 S266A S2\" id=\"t7o_138\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_138\">- </span><span class=\"S3009 S266A S2\" id=\"t7q_138\">- </span><span class=\"S300A S266A S2\" id=\"t7r_138\">- </span><span class=\"S300B S266A S2\" id=\"t7s_138\">- </span><span class=\"S300C S266A S2\" id=\"t7t_138\">- </span><span class=\"S300D S266A S2\" id=\"t7u_138\">- </span><span class=\"S300E S266A S2\" id=\"t7v_138\">- </span><span class=\"S300F S266A S2\" id=\"t7w_138\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_138\">- </span><span class=\"S3011 S266A S2\" id=\"t7y_138\">- </span><span class=\"S3012 S266A S2\" id=\"t7z_138\">- </span><span class=\"S3013 S266A S2\" id=\"t80_138\">- </span><span class=\"S3014 S2669 S2\" id=\"t81_138\">- </span><span class=\"S3015 S2669 S2\" id=\"t82_138\">Net position </span><span class=\"S3016 S2669 S2\" id=\"t83_138\">(6,681,274) </span><span class=\"S3017 S2669 S2\" id=\"t84_138\">(3,560,594) </span><span class=\"S3018 S2669 S2\" id=\"t85_138\">2,506,895 </span><span class=\"S3019 S2669 S2\" id=\"t86_138\">785,846 </span><span class=\"S301A S2669 S2\" id=\"t87_138\">236,208 </span><span class=\"S301B S2669 S2\" id=\"t88_138\">825,677 </span><span class=\"S301C S2669 S2\" id=\"t89_138\">449,748 </span><span class=\"S301D S2669 S2\" id=\"t8a_138\">500,607 </span><span class=\"S301E S2669 S2\" id=\"t8b_138\">3,589,198 </span><span class=\"S301F S2669 S2\" id=\"t8c_138\">2,277,983 </span><span class=\"S3020 S2669 S2\" id=\"t8d_138\">(154,136) </span><span class=\"S3021 S2669 S2\" id=\"t8e_138\">1,637,790 </span><span class=\"S3022 S2669 S2\" id=\"t8f_138\">(53,361) </span><span class=\"S3023 S2669 S2\" id=\"t8g_138\">2,467,309 </span><span class=\"S3024 S2669 S2\" id=\"t8h_138\">2,413,948 </span><span class=\"S2AC1 SB S2\" id=\"t5_140\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_140\">As at 31 December 2021 [continued] </span><span class=\"S310E S2669 S2\" id=\"t7_140\">ASSETS [continued] </span><span class=\"S310F S2669 S2\" id=\"t8_140\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_140\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_140\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_140\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_140\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_140\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_140\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_140\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_140\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_140\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_140\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_140\">Total </span><span class=\"S3112 S2669 S2\" id=\"tk_140\">HUF </span><span class=\"S3113 S2669 S2\" id=\"tl_140\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tm_140\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_140\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_140\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_140\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_140\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_140\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_140\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_140\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_140\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_140\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_140\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_140\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_140\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_140\">comprehensive income </span><span class=\"S3115 S2669 S2\" id=\"t10_140\">205,473 </span><span class=\"S3116 S2669 S2\" id=\"t11_140\">291,988 </span><span class=\"S2C40 S2669 S2\" id=\"t12_140\">22,420 </span><span class=\"S2C41 S2669 S2\" id=\"t13_140\">92,258 </span><span class=\"S3117 S2669 S2\" id=\"t14_140\">97,202 </span><span class=\"S2C43 S2669 S2\" id=\"t15_140\">202,157 </span><span class=\"S2C44 S2669 S2\" id=\"t16_140\">40,289 </span><span class=\"S2C45 S2669 S2\" id=\"t17_140\">177,681 </span><span class=\"S2C46 S2669 S2\" id=\"t18_140\">362,610 </span><span class=\"S2C47 S2669 S2\" id=\"t19_140\">697,456 </span><span class=\"S3118 S2669 S2\" id=\"t1a_140\">(353) </span><span class=\"S2C49 S2669 S2\" id=\"t1b_140\">35,329 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_140\">727,641 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_140\">1,496,869 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_140\">2,224,510 </span><span class=\"S2C4D S266A S2\" id=\"t1f_140\">fixed rate </span><span class=\"S3119 S266A S2\" id=\"t1g_140\">157,136 </span><span class=\"S311A S266A S2\" id=\"t1h_140\">291,987 </span><span class=\"S311B S266A S2\" id=\"t1i_140\">6,897 </span><span class=\"S2C51 S266A S2\" id=\"t1j_140\">92,258 </span><span class=\"S311C S266A S2\" id=\"t1k_140\">88,628 </span><span class=\"S2C53 S266A S2\" id=\"t1l_140\">202,157 </span><span class=\"S2C54 S266A S2\" id=\"t1m_140\">40,289 </span><span class=\"S2C55 S266A S2\" id=\"t1n_140\">177,681 </span><span class=\"S2C56 S266A S2\" id=\"t1o_140\">395,460 </span><span class=\"S2C57 S266A S2\" id=\"t1p_140\">684,739 </span><span class=\"S2C58 S266A S2\" id=\"t1q_140\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_140\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_140\">688,410 </span><span class=\"S2C5B S266A S2\" id=\"t1t_140\">1,448,822 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_140\">2,137,232 </span><span class=\"S2C5C S266A S2\" id=\"t1v_140\">variable rate </span><span class=\"S311D S266A S2\" id=\"t1w_140\">48,337 </span><span class=\"S311E S266A S2\" id=\"t1x_140\">1 </span><span class=\"S311F S266A S2\" id=\"t1y_140\">15,523 </span><span class=\"S3120 S266A S2\" id=\"t1z_140\">- </span><span class=\"S3121 S266A S2\" id=\"t20_140\">8,574 </span><span class=\"S2C62 S266A S2\" id=\"t21_140\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_140\">- </span><span class=\"S2F64 S266A S2\" id=\"t23_140\">- </span><span class=\"S3122 S266A S2\" id=\"t24_140\">(32,850) </span><span class=\"S3123 S266A S2\" id=\"t25_140\">12,717 </span><span class=\"S2C67 S266A S2\" id=\"t26_140\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_140\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_140\">39,584 </span><span class=\"S2C6A S266A S2\" id=\"t29_140\">12,718 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_140\">52,302 </span><span class=\"S2C6C S266A S2\" id=\"t2b_140\">non-interest-bearing </span><span class=\"S3124 S266A S2\" id=\"t2c_140\">- </span><span class=\"S3125 S266A S2\" id=\"t2d_140\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_140\">- </span><span class=\"S3126 S266A S2\" id=\"t2f_140\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_140\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_140\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_140\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_140\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_140\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_140\">- </span><span class=\"S3127 S266A S2\" id=\"t2m_140\">(353) </span><span class=\"S2C78 S266A S2\" id=\"t2n_140\">35,329 </span><span class=\"S3128 S266A S2\" id=\"t2o_140\">(353) </span><span class=\"S2C7A S266A S2\" id=\"t2p_140\">35,329 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_140\">34,976 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_140\">Securities at amortized cost </span><span class=\"S3129 S2669 S2\" id=\"t2s_140\">117 </span><span class=\"S312A S2669 S2\" id=\"t2t_140\">124,634 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_140\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_140\">24,325 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_140\">365,576 </span><span class=\"S312B S2669 S2\" id=\"t2x_140\">28,559 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_140\">264,200 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_140\">56,712 </span><span class=\"S2C85 S2669 S2\" id=\"t30_140\">2,305,098 </span><span class=\"S312C S2669 S2\" id=\"t31_140\">722,114 </span><span class=\"S2C87 S2669 S2\" id=\"t32_140\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_140\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_140\">2,934,991 </span><span class=\"S2E3A S2669 S2\" id=\"t35_140\">956,344 </span><span class=\"S2B1F S2669 S2\" id=\"t36_140\">3,891,335 </span><span class=\"S2C8B S266A S2\" id=\"t37_140\">fixed rate </span><span class=\"S312D S266A S2\" id=\"t38_140\">- </span><span class=\"S312E S266A S2\" id=\"t39_140\">117,026 </span><span class=\"S2C8E S266A S2\" id=\"t3a_140\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_140\">19,513 </span><span class=\"S2C90 S266A S2\" id=\"t3c_140\">365,576 </span><span class=\"S312F S266A S2\" id=\"t3d_140\">28,559 </span><span class=\"S2C92 S266A S2\" id=\"t3e_140\">264,200 </span><span class=\"S2C93 S266A S2\" id=\"t3f_140\">56,712 </span><span class=\"S2C94 S266A S2\" id=\"t3g_140\">2,305,098 </span><span class=\"S3130 S266A S2\" id=\"t3h_140\">722,114 </span><span class=\"S2C96 S266A S2\" id=\"t3i_140\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_140\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_140\">2,934,874 </span><span class=\"S3131 S266A S2\" id=\"t3l_140\">943,924 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_140\">3,878,798 </span><span class=\"S2C9A S266A S2\" id=\"t3n_140\">variable rate </span><span class=\"S3074 S266A S2\" id=\"t3o_140\">117 </span><span class=\"S3132 S266A S2\" id=\"t3p_140\">7,608 </span><span class=\"S2C9D S266A S2\" id=\"t3q_140\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_140\">4,812 </span><span class=\"S2C9F S266A S2\" id=\"t3s_140\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_140\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_140\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_140\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_140\">- </span><span class=\"S3133 S266A S2\" id=\"t3x_140\">- </span><span class=\"S2CA5 S266A S2\" id=\"t3y_140\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_140\">- </span><span class=\"S3134 S266A S2\" id=\"t40_140\">117 </span><span class=\"S3135 S266A S2\" id=\"t41_140\">12,420 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_140\">12,537 </span><span class=\"S2CAA S266A S2\" id=\"t43_140\">non-interest-bearing </span><span class=\"S3136 S266A S2\" id=\"t44_140\">- </span><span class=\"S3137 S266A S2\" id=\"t45_140\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_140\">- </span><span class=\"S3138 S266A S2\" id=\"t47_140\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_140\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_140\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_140\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_140\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_140\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_140\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_140\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_140\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_140\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_140\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_140\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_140\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_140\">allowance for loan losses </span><span class=\"S3139 S2669 S2\" id=\"t4l_140\">800,665 </span><span class=\"S313A S2669 S2\" id=\"t4m_140\">5,419,263 </span><span class=\"S313B S2669 S2\" id=\"t4n_140\">534,858 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_140\">1,525,057 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_140\">60,259 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_140\">1,431,981 </span><span class=\"S313C S2669 S2\" id=\"t4r_140\">264,434 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_140\">410,199 </span><span class=\"S313D S2669 S2\" id=\"t4t_140\">1,636,001 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_140\">1,180,170 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_140\">121,187 </span><span class=\"S313E S2669 S2\" id=\"t4w_140\">109,109 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_140\">3,417,404 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_140\">10,075,779 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_140\">13,493,183 </span><span class=\"S2B6F S266A S2\" id=\"t50_140\">fixed rate </span><span class=\"S313F S266A S2\" id=\"t51_140\">51,410 </span><span class=\"S3140 S266A S2\" id=\"t52_140\">1,029,075 </span><span class=\"S3141 S266A S2\" id=\"t53_140\">2,075 </span><span class=\"S2CCE S266A S2\" id=\"t54_140\">260,668 </span><span class=\"S2CCF S266A S2\" id=\"t55_140\">16,048 </span><span class=\"S2CD0 S266A S2\" id=\"t56_140\">683,927 </span><span class=\"S3142 S266A S2\" id=\"t57_140\">187,209 </span><span class=\"S2CD2 S266A S2\" id=\"t58_140\">374,260 </span><span class=\"S2CD3 S266A S2\" id=\"t59_140\">942,294 </span><span class=\"S3143 S266A S2\" id=\"t5a_140\">835,327 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_140\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_140\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_140\">1,199,036 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_140\">3,183,257 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_140\">4,382,293 </span><span class=\"S2B7F S266A S2\" id=\"t5g_140\">variable rate </span><span class=\"S3144 S266A S2\" id=\"t5h_140\">749,255 </span><span class=\"S3145 S266A S2\" id=\"t5i_140\">4,390,188 </span><span class=\"S3146 S266A S2\" id=\"t5j_140\">532,783 </span><span class=\"S2CDD S266A S2\" id=\"t5k_140\">1,264,389 </span><span class=\"S2CDE S266A S2\" id=\"t5l_140\">44,211 </span><span class=\"S2CDF S266A S2\" id=\"t5m_140\">748,054 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_140\">77,225 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_140\">35,939 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_140\">693,707 </span><span class=\"S3147 S266A S2\" id=\"t5q_140\">344,843 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_140\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_140\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_140\">2,097,181 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_140\">6,783,413 </span><span class=\"S3148 S2669 S2\" id=\"t5v_140\">8,880,594 </span><span class=\"S2B8F S266A S2\" id=\"t5w_140\">non-interest-bearing </span><span class=\"S3149 S266A S2\" id=\"t5x_140\">- </span><span class=\"S314A S266A S2\" id=\"t5y_140\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_140\">- </span><span class=\"S314B S266A S2\" id=\"t60_140\">- </span><span class=\"S2CED S266A S2\" id=\"t61_140\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_140\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_140\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_140\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_140\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_140\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_140\">121,187 </span><span class=\"S314C S266A S2\" id=\"t68_140\">109,109 </span><span class=\"S2CF5 S266A S2\" id=\"t69_140\">121,187 </span><span class=\"S314D S266A S2\" id=\"t6a_140\">109,109 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_140\">230,296 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_140\">Finance lease receivables </span><span class=\"S314E S2669 S2\" id=\"t6d_140\">117,384 </span><span class=\"S314F S2669 S2\" id=\"t6e_140\">304,444 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_140\">16,580 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_140\">131,417 </span><span class=\"S3150 S2669 S2\" id=\"t6h_140\">5,736 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_140\">161,672 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_140\">20,288 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_140\">88,194 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_140\">197,583 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_140\">137,387 </span><span class=\"S2EB0 S2669 S2\" id=\"t6n_140\">- </span><span class=\"S3151 S2669 S2\" id=\"t6o_140\">1,943 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_140\">357,571 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_140\">825,057 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_140\">1,182,628 </span><span class=\"S2D08 S266A S2\" id=\"t6s_140\">fixed rate </span><span class=\"S3152 S266A S2\" id=\"t6t_140\">6,555 </span><span class=\"S3153 S266A S2\" id=\"t6u_140\">118,251 </span><span class=\"S2D0B S266A S2\" id=\"t6v_140\">440 </span><span class=\"S2D0C S266A S2\" id=\"t6w_140\">8,408 </span><span class=\"S2D0D S266A S2\" id=\"t6x_140\">5,736 </span><span class=\"S2D0E S266A S2\" id=\"t6y_140\">37,140 </span><span class=\"S2D0F S266A S2\" id=\"t6z_140\">20,288 </span><span class=\"S2D10 S266A S2\" id=\"t70_140\">40,715 </span><span class=\"S2D11 S266A S2\" id=\"t71_140\">188,967 </span><span class=\"S2D12 S266A S2\" id=\"t72_140\">64,125 </span><span class=\"S2D13 S266A S2\" id=\"t73_140\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_140\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_140\">221,986 </span><span class=\"S2D16 S266A S2\" id=\"t76_140\">268,639 </span><span class=\"S2BAF S2669 S2\" id=\"t77_140\">490,625 </span><span class=\"S2D17 S266A S2\" id=\"t78_140\">variable rate </span><span class=\"S3154 S266A S2\" id=\"t79_140\">110,829 </span><span class=\"S3155 S266A S2\" id=\"t7a_140\">186,193 </span><span class=\"S2D1A S266A S2\" id=\"t7b_140\">16,140 </span><span class=\"S2D1B S266A S2\" id=\"t7c_140\">123,009 </span><span class=\"S300A S266A S2\" id=\"t7d_140\">- </span><span class=\"S2D1D S266A S2\" id=\"t7e_140\">124,532 </span><span class=\"S300C S266A S2\" id=\"t7f_140\">- </span><span class=\"S2D1F S266A S2\" id=\"t7g_140\">47,479 </span><span class=\"S2D20 S266A S2\" id=\"t7h_140\">8,616 </span><span class=\"S3156 S266A S2\" id=\"t7i_140\">73,262 </span><span class=\"S2D22 S266A S2\" id=\"t7j_140\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_140\">- </span><span class=\"S3157 S266A S2\" id=\"t7l_140\">135,585 </span><span class=\"S2D25 S266A S2\" id=\"t7m_140\">554,475 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_140\">690,060 </span><span class=\"S2D27 S266A S2\" id=\"t7o_140\">non-interest-bearing </span><span class=\"S3158 S266A S2\" id=\"t7p_140\">- </span><span class=\"S3159 S266A S2\" id=\"t7q_140\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_140\">- </span><span class=\"S315A S266A S2\" id=\"t7s_140\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_140\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_140\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_140\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_140\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_140\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_140\">- </span><span class=\"S2EDF S266A S2\" id=\"t7z_140\">- </span><span class=\"S315B S266A S2\" id=\"t80_140\">1,943 </span><span class=\"S315C S266A S2\" id=\"t81_140\">- </span><span class=\"S315D S266A S2\" id=\"t82_140\">1,943 </span><span class=\"S315E S2669 S2\" id=\"t83_140\">1,943 </span><span class=\"S2D36 S2669 S2\" id=\"t84_140\">Loans mandatorily at fair value through </span><span class=\"S315F S2669 S2\" id=\"t85_140\">profit or loss </span><span class=\"S3160 S2669 S2\" id=\"t86_140\">27,185 </span><span class=\"S3161 S2669 S2\" id=\"t87_140\">281 </span><span class=\"S2D3A S2669 S2\" id=\"t88_140\">11,172 </span><span class=\"S3162 S2669 S2\" id=\"t89_140\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_140\">73,893 </span><span class=\"S1381 S2669 S2\" id=\"t8b_140\">- </span><span class=\"S3163 S2669 S2\" id=\"t8c_140\">29,473 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_140\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_140\">926,107 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_140\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_140\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_140\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_140\">1,067,830 </span><span class=\"S3164 S2669 S2\" id=\"t8j_140\">281 </span><span class=\"S2D45 S2669 S2\" id=\"t8k_140\">1,068,111 </span><span class=\"S2D46 S266A S2\" id=\"t8l_140\">fixed rate </span><span class=\"S3165 S266A S2\" id=\"t8m_140\">2 </span><span class=\"S3166 S266A S2\" id=\"t8n_140\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_140\">- </span><span class=\"S3167 S266A S2\" id=\"t8p_140\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_140\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_140\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_140\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_140\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_140\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_140\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_140\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_140\">- </span><span class=\"S3168 S266A S2\" id=\"t8y_140\">2 </span><span class=\"S2D53 S266A S2\" id=\"t8z_140\">- </span><span class=\"S3169 S2669 S2\" id=\"t90_140\">2 </span><span class=\"S2D55 S266A S2\" id=\"t91_140\">variable rate </span><span class=\"S316A S266A S2\" id=\"t92_140\">27,183 </span><span class=\"S316B S266A S2\" id=\"t93_140\">281 </span><span class=\"S2D58 S266A S2\" id=\"t94_140\">11,172 </span><span class=\"S316C S266A S2\" id=\"t95_140\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_140\">73,893 </span><span class=\"S2D5B S266A S2\" id=\"t97_140\">- </span><span class=\"S316D S266A S2\" id=\"t98_140\">29,473 </span><span class=\"S2D5D S266A S2\" id=\"t99_140\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_140\">926,107 </span><span class=\"S2D5F S266A S2\" id=\"t9b_140\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_140\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_140\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_140\">1,067,828 </span><span class=\"S316E S266A S2\" id=\"t9f_140\">281 </span><span class=\"S2D64 S2669 S2\" id=\"t9g_140\">1,068,109 </span><span class=\"S2D65 S266A S2\" id=\"t9h_140\">non-interest-bearing </span><span class=\"S316F S266A S2\" id=\"t9i_140\">- </span><span class=\"S3170 S266A S2\" id=\"t9j_140\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_140\">- </span><span class=\"S3171 S266A S2\" id=\"t9l_140\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_140\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_140\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_140\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_140\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_140\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_140\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_140\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_140\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_140\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_140\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_140\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_140\">Fair value adjustment of derivative </span><span class=\"S3172 S2669 S2\" id=\"t9y_140\">financial instruments </span><span class=\"S3173 S2669 S2\" id=\"t9z_140\">1,516,897 </span><span class=\"S3174 S2669 S2\" id=\"ta0_140\">1,249,024 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_140\">395,951 </span><span class=\"S3175 S2669 S2\" id=\"ta2_140\">937,234 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_140\">680,161 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_140\">863,886 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_140\">10,760 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_140\">57,580 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_140\">221,053 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_140\">17,693 </span><span class=\"S3176 S2669 S2\" id=\"ta9_140\">181,110 </span><span class=\"S2D81 S2669 S2\" id=\"taa_140\">672,531 </span><span class=\"S2D82 S2669 S2\" id=\"tab_140\">3,005,932 </span><span class=\"S2D83 S2669 S2\" id=\"tac_140\">3,797,948 </span><span class=\"S2D84 S2669 S2\" id=\"tad_140\">6,803,880 </span><span class=\"S2D85 S266A S2\" id=\"tae_140\">fixed rate </span><span class=\"S3177 S266A S2\" id=\"taf_140\">1,409,585 </span><span class=\"S3178 S266A S2\" id=\"tag_140\">1,125,415 </span><span class=\"S2D88 S266A S2\" id=\"tah_140\">188,029 </span><span class=\"S2D89 S266A S2\" id=\"tai_140\">551,410 </span><span class=\"S2D8A S266A S2\" id=\"taj_140\">574,143 </span><span class=\"S2D8B S266A S2\" id=\"tak_140\">862,177 </span><span class=\"S2D8C S266A S2\" id=\"tal_140\">10,760 </span><span class=\"S2D8D S266A S2\" id=\"tam_140\">57,521 </span><span class=\"S2D8E S266A S2\" id=\"tan_140\">221,053 </span><span class=\"S2D8F S266A S2\" id=\"tao_140\">17,681 </span><span class=\"S2D90 S266A S2\" id=\"tap_140\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_140\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_140\">2,403,570 </span><span class=\"S2D93 S266A S2\" id=\"tas_140\">2,614,204 </span><span class=\"S2D94 S2669 S2\" id=\"tat_140\">5,017,774 </span><span class=\"S2D95 S266A S2\" id=\"tau_140\">variable rate </span><span class=\"S3179 S266A S2\" id=\"tav_140\">107,312 </span><span class=\"S317A S266A S2\" id=\"taw_140\">123,609 </span><span class=\"S2D98 S266A S2\" id=\"tax_140\">207,922 </span><span class=\"S2D99 S266A S2\" id=\"tay_140\">385,824 </span><span class=\"S2D9A S266A S2\" id=\"taz_140\">106,018 </span><span class=\"S317B S266A S2\" id=\"tb0_140\">1,709 </span><span class=\"S2D9C S266A S2\" id=\"tb1_140\">- </span><span class=\"S317C S266A S2\" id=\"tb2_140\">59 </span><span class=\"S2D9E S266A S2\" id=\"tb3_140\">- </span><span class=\"S317D S266A S2\" id=\"tb4_140\">12 </span><span class=\"S2DA0 S266A S2\" id=\"tb5_140\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_140\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_140\">421,252 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_140\">511,213 </span><span class=\"S317E S2669 S2\" id=\"tb9_140\">932,465 </span><span class=\"S2DA5 S266A S2\" id=\"tba_140\">non-interest-bearing </span><span class=\"S317F S266A S2\" id=\"tbb_140\">- </span><span class=\"S3180 S266A S2\" id=\"tbc_140\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_140\">- </span><span class=\"S3181 S266A S2\" id=\"tbe_140\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_140\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_140\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_140\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_140\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_140\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_140\">- </span><span class=\"S3182 S266A S2\" id=\"tbl_140\">181,110 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_140\">672,531 </span><span class=\"S3183 S266A S2\" id=\"tbn_140\">181,110 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_140\">672,531 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_140\">853,641 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_140\">Other financial assets </span><span class=\"S3184 S2669 S2\" id=\"tbr_140\">3,395 </span><span class=\"S3185 S2669 S2\" id=\"tbs_140\">13,864 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_140\">1,261 </span><span class=\"S3186 S2669 S2\" id=\"tbu_140\">19 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_140\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_140\">212 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_140\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_140\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_140\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_140\">128 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_140\">49,086 </span><span class=\"S3187 S2669 S2\" id=\"tc2_140\">67,951 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_140\">53,742 </span><span class=\"S3188 S2669 S2\" id=\"tc4_140\">82,174 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_140\">135,916 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_140\">fixed rate </span><span class=\"S3189 S266A S2\" id=\"tc7_140\">3,393 </span><span class=\"S318A S266A S2\" id=\"tc8_140\">4,860 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_140\">1,155 </span><span class=\"S318B S266A S2\" id=\"tca_140\">13 </span><span class=\"S2DCA S266A S2\" id=\"tcb_140\">- </span><span class=\"S318C S266A S2\" id=\"tcc_140\">12 </span><span class=\"S2DCC S266A S2\" id=\"tcd_140\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_140\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_140\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_140\">103 </span><span class=\"S2DD0 S266A S2\" id=\"tch_140\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_140\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_140\">4,548 </span><span class=\"S318D S266A S2\" id=\"tck_140\">4,988 </span><span class=\"S318E S2669 S2\" id=\"tcl_140\">9,536 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_140\">variable rate </span><span class=\"S318F S266A S2\" id=\"tcn_140\">2 </span><span class=\"S3190 S266A S2\" id=\"tco_140\">9,004 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_140\">106 </span><span class=\"S3191 S266A S2\" id=\"tcq_140\">6 </span><span class=\"S2DDA S266A S2\" id=\"tcr_140\">- </span><span class=\"S3192 S266A S2\" id=\"tcs_140\">200 </span><span class=\"S2DDC S266A S2\" id=\"tct_140\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_140\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_140\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_140\">25 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_140\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_140\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_140\">108 </span><span class=\"S3193 S266A S2\" id=\"td0_140\">9,235 </span><span class=\"S3194 S2669 S2\" id=\"td1_140\">9,343 </span><span class=\"S2DE5 S266A S2\" id=\"td2_140\">non-interest-bearing </span><span class=\"S3195 S266A S2\" id=\"td3_140\">- </span><span class=\"S3196 S266A S2\" id=\"td4_140\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_140\">- </span><span class=\"S3197 S266A S2\" id=\"td6_140\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_140\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_140\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_140\">- </span><span class=\"S2DED S266A S2\" id=\"tda_140\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_140\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_140\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_140\">49,086 </span><span class=\"S3198 S266A S2\" id=\"tde_140\">67,951 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_140\">49,086 </span><span class=\"S3199 S266A S2\" id=\"tdg_140\">67,951 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_140\">117,037 </span><span class=\"S3237 SB S2\" id=\"t5_142\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_142\">As at 31 December 2021 [continued] </span><span class=\"S3238 S2669 S2\" id=\"t7_142\">LIABILITIES [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_142\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_142\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_142\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_142\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_142\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_142\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_142\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_142\">Over 2 years </span><span class=\"S3239 S2669 S2\" id=\"tg_142\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_142\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_142\">Total </span><span class=\"S323A S2669 S2\" id=\"tj_142\">HUF </span><span class=\"S323B S2669 S2\" id=\"tk_142\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tl_142\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_142\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_142\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_142\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_142\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_142\">Currency </span><span class=\"S323C S2669 S2\" id=\"tr_142\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_142\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_142\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_142\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_142\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_142\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_142\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_142\">financial instruments </span><span class=\"S2C3E S2669 S2\" id=\"tz_142\">941,607 </span><span class=\"S323D S2669 S2\" id=\"t10_142\">1,905,033 </span><span class=\"S323E S2669 S2\" id=\"t11_142\">220,057 </span><span class=\"S2F4A S2669 S2\" id=\"t12_142\">1,084,185 </span><span class=\"S2C42 S2669 S2\" id=\"t13_142\">709,948 </span><span class=\"S2F4B S2669 S2\" id=\"t14_142\">870,647 </span><span class=\"S2C44 S2669 S2\" id=\"t15_142\">12,943 </span><span class=\"S2F4C S2669 S2\" id=\"t16_142\">54,920 </span><span class=\"S323F S2669 S2\" id=\"t17_142\">96,381 </span><span class=\"S3240 S2669 S2\" id=\"t18_142\">77,044 </span><span class=\"S2F4E S2669 S2\" id=\"t19_142\">453,672 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_142\">388,146 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_142\">2,434,608 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_142\">4,379,975 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_142\">6,814,583 </span><span class=\"S2C4D S266A S2\" id=\"t1e_142\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1f_142\">721,374 </span><span class=\"S3241 S266A S2\" id=\"t1g_142\">1,714,718 </span><span class=\"S3242 S266A S2\" id=\"t1h_142\">151,795 </span><span class=\"S2F55 S266A S2\" id=\"t1i_142\">579,964 </span><span class=\"S2C52 S266A S2\" id=\"t1j_142\">526,007 </span><span class=\"S2F56 S266A S2\" id=\"t1k_142\">868,848 </span><span class=\"S2C54 S266A S2\" id=\"t1l_142\">12,398 </span><span class=\"S2F57 S266A S2\" id=\"t1m_142\">54,847 </span><span class=\"S3243 S266A S2\" id=\"t1n_142\">96,558 </span><span class=\"S3244 S266A S2\" id=\"t1o_142\">77,044 </span><span class=\"S2F59 S266A S2\" id=\"t1p_142\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_142\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_142\">1,508,132 </span><span class=\"S2F5C S266A S2\" id=\"t1s_142\">3,295,421 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_142\">4,803,553 </span><span class=\"S2C5C S266A S2\" id=\"t1u_142\">variable rate </span><span class=\"S3245 S266A S2\" id=\"t1v_142\">220,233 </span><span class=\"S3246 S266A S2\" id=\"t1w_142\">190,315 </span><span class=\"S311F S266A S2\" id=\"t1x_142\">68,262 </span><span class=\"S2F60 S266A S2\" id=\"t1y_142\">504,221 </span><span class=\"S2F61 S266A S2\" id=\"t1z_142\">183,941 </span><span class=\"S3247 S266A S2\" id=\"t20_142\">1,799 </span><span class=\"S3248 S266A S2\" id=\"t21_142\">545 </span><span class=\"S3249 S266A S2\" id=\"t22_142\">73 </span><span class=\"S324A S266A S2\" id=\"t23_142\">(177) </span><span class=\"S2C66 S266A S2\" id=\"t24_142\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_142\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_142\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_142\">472,804 </span><span class=\"S324B S266A S2\" id=\"t28_142\">696,408 </span><span class=\"S2AFF S2669 S2\" id=\"t29_142\">1,169,212 </span><span class=\"S2C6C S266A S2\" id=\"t2a_142\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2b_142\">- </span><span class=\"S3125 S266A S2\" id=\"t2c_142\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_142\">- </span><span class=\"S3126 S266A S2\" id=\"t2e_142\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_142\">- </span><span class=\"S324C S266A S2\" id=\"t2g_142\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_142\">- </span><span class=\"S324D S266A S2\" id=\"t2i_142\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_142\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_142\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_142\">453,672 </span><span class=\"S2F6B S266A S2\" id=\"t2m_142\">388,146 </span><span class=\"S2F6C S266A S2\" id=\"t2n_142\">453,672 </span><span class=\"S324E S266A S2\" id=\"t2o_142\">388,146 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_142\">841,818 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_142\">Leasing liabilities </span><span class=\"S324F S2669 S2\" id=\"t2r_142\">916 </span><span class=\"S3250 S2669 S2\" id=\"t2s_142\">7,401 </span><span class=\"S3251 S2669 S2\" id=\"t2t_142\">353 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_142\">1,076 </span><span class=\"S3252 S2669 S2\" id=\"t2v_142\">483 </span><span class=\"S2F74 S2669 S2\" id=\"t2w_142\">5,359 </span><span class=\"S3253 S2669 S2\" id=\"t2x_142\">892 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_142\">4,534 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_142\">1,011 </span><span class=\"S2F78 S2669 S2\" id=\"t30_142\">24,823 </span><span class=\"S2F79 S2669 S2\" id=\"t31_142\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_142\">6,438 </span><span class=\"S2F7B S2669 S2\" id=\"t33_142\">3,655 </span><span class=\"S2F7C S2669 S2\" id=\"t34_142\">49,631 </span><span class=\"S2F7D S2669 S2\" id=\"t35_142\">53,286 </span><span class=\"S2C8B S266A S2\" id=\"t36_142\">fixed rate </span><span class=\"S3254 S266A S2\" id=\"t37_142\">830 </span><span class=\"S3255 S266A S2\" id=\"t38_142\">6,948 </span><span class=\"S3256 S266A S2\" id=\"t39_142\">72 </span><span class=\"S2F81 S266A S2\" id=\"t3a_142\">435 </span><span class=\"S3257 S266A S2\" id=\"t3b_142\">7 </span><span class=\"S2F83 S266A S2\" id=\"t3c_142\">1,757 </span><span class=\"S3258 S266A S2\" id=\"t3d_142\">319 </span><span class=\"S2F85 S266A S2\" id=\"t3e_142\">2,582 </span><span class=\"S2F86 S266A S2\" id=\"t3f_142\">1,011 </span><span class=\"S2F87 S266A S2\" id=\"t3g_142\">17,403 </span><span class=\"S2F88 S266A S2\" id=\"t3h_142\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_142\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_142\">2,239 </span><span class=\"S2F8B S266A S2\" id=\"t3k_142\">29,125 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_142\">31,364 </span><span class=\"S2C9A S266A S2\" id=\"t3m_142\">variable rate </span><span class=\"S3259 S266A S2\" id=\"t3n_142\">86 </span><span class=\"S325A S266A S2\" id=\"t3o_142\">453 </span><span class=\"S325B S266A S2\" id=\"t3p_142\">281 </span><span class=\"S2F90 S266A S2\" id=\"t3q_142\">641 </span><span class=\"S325C S266A S2\" id=\"t3r_142\">476 </span><span class=\"S2F91 S266A S2\" id=\"t3s_142\">3,602 </span><span class=\"S325D S266A S2\" id=\"t3t_142\">573 </span><span class=\"S2F92 S266A S2\" id=\"t3u_142\">1,952 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_142\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3w_142\">7,420 </span><span class=\"S2F94 S266A S2\" id=\"t3x_142\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_142\">- </span><span class=\"S325E S266A S2\" id=\"t3z_142\">1,416 </span><span class=\"S2F97 S266A S2\" id=\"t40_142\">14,068 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_142\">15,484 </span><span class=\"S2CAA S266A S2\" id=\"t42_142\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t43_142\">- </span><span class=\"S3137 S266A S2\" id=\"t44_142\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_142\">- </span><span class=\"S3138 S266A S2\" id=\"t46_142\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_142\">- </span><span class=\"S325F S266A S2\" id=\"t48_142\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_142\">- </span><span class=\"S3260 S266A S2\" id=\"t4a_142\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_142\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_142\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_142\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_142\">6,438 </span><span class=\"S3261 S266A S2\" id=\"t4f_142\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_142\">6,438 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_142\">6,438 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_142\">Other financial liabilities </span><span class=\"S3262 S2669 S2\" id=\"t4j_142\">117,189 </span><span class=\"S3263 S2669 S2\" id=\"t4k_142\">50,063 </span><span class=\"S3264 S2669 S2\" id=\"t4l_142\">2,518 </span><span class=\"S3265 S2669 S2\" id=\"t4m_142\">672 </span><span class=\"S3266 S2669 S2\" id=\"t4n_142\">- </span><span class=\"S3267 S2669 S2\" id=\"t4o_142\">479 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_142\">- </span><span class=\"S3268 S2669 S2\" id=\"t4q_142\">133 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_142\">- </span><span class=\"S3269 S2669 S2\" id=\"t4s_142\">103 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_142\">173,503 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_142\">141,111 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_142\">293,210 </span><span class=\"S326A S2669 S2\" id=\"t4w_142\">192,561 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_142\">485,771 </span><span class=\"S2FAD S266A S2\" id=\"t4y_142\">fixed rate </span><span class=\"S2CBC S266A S2\" id=\"t4z_142\">117,185 </span><span class=\"S326B S266A S2\" id=\"t50_142\">50,046 </span><span class=\"S326C S266A S2\" id=\"t51_142\">907 </span><span class=\"S326D S266A S2\" id=\"t52_142\">564 </span><span class=\"S326E S266A S2\" id=\"t53_142\">- </span><span class=\"S326F S266A S2\" id=\"t54_142\">211 </span><span class=\"S2FB4 S266A S2\" id=\"t55_142\">- </span><span class=\"S3270 S266A S2\" id=\"t56_142\">133 </span><span class=\"S2FB6 S266A S2\" id=\"t57_142\">- </span><span class=\"S3271 S266A S2\" id=\"t58_142\">67 </span><span class=\"S2FB8 S266A S2\" id=\"t59_142\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_142\">- </span><span class=\"S3272 S266A S2\" id=\"t5b_142\">118,092 </span><span class=\"S2FBB S266A S2\" id=\"t5c_142\">51,021 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_142\">169,113 </span><span class=\"S2FBD S266A S2\" id=\"t5e_142\">variable rate </span><span class=\"S3273 S266A S2\" id=\"t5f_142\">4 </span><span class=\"S3274 S266A S2\" id=\"t5g_142\">17 </span><span class=\"S3275 S266A S2\" id=\"t5h_142\">1,611 </span><span class=\"S3276 S266A S2\" id=\"t5i_142\">108 </span><span class=\"S3277 S266A S2\" id=\"t5j_142\">- </span><span class=\"S3278 S266A S2\" id=\"t5k_142\">268 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_142\">- </span><span class=\"S3279 S266A S2\" id=\"t5m_142\">- </span><span class=\"S2FC6 S266A S2\" id=\"t5n_142\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_142\">36 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_142\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_142\">- </span><span class=\"S327A S266A S2\" id=\"t5r_142\">1,615 </span><span class=\"S327B S266A S2\" id=\"t5s_142\">429 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_142\">2,044 </span><span class=\"S2FCD S266A S2\" id=\"t5u_142\">non-interest-bearing </span><span class=\"S327C S266A S2\" id=\"t5v_142\">- </span><span class=\"S327D S266A S2\" id=\"t5w_142\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_142\">- </span><span class=\"S327E S266A S2\" id=\"t5y_142\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_142\">- </span><span class=\"S327F S266A S2\" id=\"t60_142\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_142\">- </span><span class=\"S3280 S266A S2\" id=\"t62_142\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_142\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_142\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_142\">173,503 </span><span class=\"S2FD9 S266A S2\" id=\"t66_142\">141,111 </span><span class=\"S2FDA S266A S2\" id=\"t67_142\">173,503 </span><span class=\"S3281 S266A S2\" id=\"t68_142\">141,111 </span><span class=\"S2FDC S2669 S2\" id=\"t69_142\">314,614 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_142\">Subordinated bonds and loans </span><span class=\"S2CE9 S2669 S2\" id=\"t6b_142\">- </span><span class=\"S314A S2669 S2\" id=\"t6c_142\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_142\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_142\">85,551 </span><span class=\"S2CED S2669 S2\" id=\"t6f_142\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_142\">186,225 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_142\">- </span><span class=\"S3282 S2669 S2\" id=\"t6i_142\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_142\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_142\">6,514 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_142\">- </span><span class=\"S3283 S2669 S2\" id=\"t6m_142\">44 </span><span class=\"S3284 S2669 S2\" id=\"t6n_142\">- </span><span class=\"S3285 S2669 S2\" id=\"t6o_142\">278,334 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_142\">278,334 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_142\">fixed rate </span><span class=\"S3286 S266A S2\" id=\"t6r_142\">- </span><span class=\"S3287 S266A S2\" id=\"t6s_142\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_142\">- </span><span class=\"S3288 S266A S2\" id=\"t6u_142\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_142\">- </span><span class=\"S3289 S266A S2\" id=\"t6w_142\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_142\">- </span><span class=\"S328A S266A S2\" id=\"t6y_142\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_142\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_142\">6,514 </span><span class=\"S2FF1 S266A S2\" id=\"t71_142\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_142\">- </span><span class=\"S328B S266A S2\" id=\"t73_142\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_142\">6,514 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_142\">6,514 </span><span class=\"S2FF6 S266A S2\" id=\"t76_142\">variable rate </span><span class=\"S328C S266A S2\" id=\"t77_142\">- </span><span class=\"S328D S266A S2\" id=\"t78_142\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_142\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_142\">85,551 </span><span class=\"S2FFB S266A S2\" id=\"t7b_142\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_142\">186,225 </span><span class=\"S2FFD S266A S2\" id=\"t7d_142\">- </span><span class=\"S328E S266A S2\" id=\"t7e_142\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_142\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_142\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_142\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_142\">- </span><span class=\"S328F S266A S2\" id=\"t7j_142\">- </span><span class=\"S3290 S266A S2\" id=\"t7k_142\">271,776 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_142\">271,776 </span><span class=\"S3005 S266A S2\" id=\"t7m_142\">non-interest-bearing </span><span class=\"S3291 S266A S2\" id=\"t7n_142\">- </span><span class=\"S3292 S266A S2\" id=\"t7o_142\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_142\">- </span><span class=\"S3293 S266A S2\" id=\"t7q_142\">- </span><span class=\"S300A S266A S2\" id=\"t7r_142\">- </span><span class=\"S3294 S266A S2\" id=\"t7s_142\">- </span><span class=\"S300C S266A S2\" id=\"t7t_142\">- </span><span class=\"S3295 S266A S2\" id=\"t7u_142\">- </span><span class=\"S300E S266A S2\" id=\"t7v_142\">- </span><span class=\"S300F S266A S2\" id=\"t7w_142\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_142\">- </span><span class=\"S3296 S266A S2\" id=\"t7y_142\">44 </span><span class=\"S3297 S266A S2\" id=\"t7z_142\">- </span><span class=\"S3298 S266A S2\" id=\"t80_142\">44 </span><span class=\"S3299 S2669 S2\" id=\"t81_142\">44 </span><span class=\"S329A S2669 S2\" id=\"t82_142\">Net position </span><span class=\"S329B S2669 S2\" id=\"t83_142\">(5,587,533) </span><span class=\"S329C S2669 S2\" id=\"t84_142\">(4,253,012) </span><span class=\"S329D S2669 S2\" id=\"t85_142\">578,409 </span><span class=\"S329E S2669 S2\" id=\"t86_142\">1,195,694 </span><span class=\"S301A S2669 S2\" id=\"t87_142\">313,809 </span><span class=\"S301B S2669 S2\" id=\"t88_142\">890,767 </span><span class=\"S329F S2669 S2\" id=\"t89_142\">278,494 </span><span class=\"S301D S2669 S2\" id=\"t8a_142\">669,788 </span><span class=\"S32A0 S2669 S2\" id=\"t8b_142\">4,861,168 </span><span class=\"S301F S2669 S2\" id=\"t8c_142\">2,556,377 </span><span class=\"S3020 S2669 S2\" id=\"t8d_142\">(161,996) </span><span class=\"S32A1 S2669 S2\" id=\"t8e_142\">991,937 </span><span class=\"S32A2 S2669 S2\" id=\"t8f_142\">282,351 </span><span class=\"S3023 S2669 S2\" id=\"t8g_142\">2,051,551 </span><span class=\"S3024 S2669 S2\" id=\"t8h_142\">2,333,902 </span><span class=\"SFA4 SB S2\" id=\"t3_171\">NOTE 47: </span><span class=\"SFA5 SB S2\" id=\"t4_171\">NET GAIN OR LOSS REALIZED ON FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S3AA3 SB S2\" id=\"t5_171\">2022 </span><span class=\"S3AA4 SB S2\" id=\"t6_171\">Net interest / </span><span class=\"S3AA5 SB S2\" id=\"t7_171\">similar to </span><span class=\"S3AA6 SB S2\" id=\"t8_171\">interest gain </span><span class=\"S3AA7 SB S2\" id=\"t9_171\">and loss </span><span class=\"S3AA8 SB S2\" id=\"ta_171\">Net non- </span><span class=\"S3AA9 SB S2\" id=\"tb_171\">interest gain </span><span class=\"S3AAA SB S2\" id=\"tc_171\">and loss </span><span class=\"S3AAB SB S2\" id=\"td_171\">Loss </span><span class=\"S3AAC SB S2\" id=\"te_171\">allowance </span><span class=\"S3AAD SB S2\" id=\"tf_171\">Other </span><span class=\"S3AAE SB S2\" id=\"tg_171\">Compre- </span><span class=\"S3AAF SB S2\" id=\"th_171\">hensive </span><span class=\"S3AB0 SB S2\" id=\"ti_171\">Income </span><span class=\"S3AB1 SA7 S2\" id=\"tj_171\">Cash, amounts due from banks and </span><span class=\"S3AB2 SA7 S2\" id=\"tk_171\">balances with the National Banks </span><span class=\"S3AB3 SA7 S2\" id=\"tl_171\">62,121 </span><span class=\"S3AB4 SA7 S2\" id=\"tm_171\">- </span><span class=\"S3AB5 SA7 S2\" id=\"tn_171\">(375) </span><span class=\"S3AB6 SA7 S2\" id=\"to_171\">- </span><span class=\"S3AB7 SA7 S2\" id=\"tp_171\">Placements with other banks </span><span class=\"S3AB8 SA7 S2\" id=\"tq_171\">154,231 </span><span class=\"S3AB9 SA7 S2\" id=\"tr_171\">- </span><span class=\"S3ABA SA7 S2\" id=\"ts_171\">39 </span><span class=\"S3ABB SA7 S2\" id=\"tt_171\">- </span><span class=\"S3ABC SA7 S2\" id=\"tu_171\">Repo receivables </span><span class=\"S3ABD SA7 S2\" id=\"tv_171\">4,261 </span><span class=\"S3ABE SA7 S2\" id=\"tw_171\">- </span><span class=\"S3ABF SA7 S2\" id=\"tx_171\">50 </span><span class=\"S3AC0 SA7 S2\" id=\"ty_171\">- </span><span class=\"S3AC1 SA7 S2\" id=\"tz_171\">Trading securities at fair value </span><span class=\"S3AC2 SA7 S2\" id=\"t10_171\">through profit or loss </span><span class=\"S33E4 SA7 S2\" id=\"t11_171\">- </span><span class=\"S3AC3 SA7 S2\" id=\"t12_171\">(3,151) </span><span class=\"S3AC4 SA7 S2\" id=\"t13_171\">- </span><span class=\"S3AC5 SA7 S2\" id=\"t14_171\">- </span><span class=\"S3AC6 SA7 S2\" id=\"t15_171\">Non-trading instruments mandatorily </span><span class=\"S3AC7 SA7 S2\" id=\"t16_171\">at fair value through profit or loss </span><span class=\"S3AC8 SA7 S2\" id=\"t17_171\">54 </span><span class=\"S3AC9 SA7 S2\" id=\"t18_171\">145 </span><span class=\"S3ACA SA7 S2\" id=\"t19_171\">- </span><span class=\"S3ACB SA7 S2\" id=\"t1a_171\">- </span><span class=\"S3ACC SA7 S2\" id=\"t1b_171\">Securities at fair value through </span><span class=\"S3ACD SA7 S2\" id=\"t1c_171\">other comprehensive income </span><span class=\"S3ACE SE8B S2\" id=\"t1d_171\">1 </span><span class=\"S3ACF SA7 S2\" id=\"t1e_171\">54,046 </span><span class=\"S3AD0 SA7 S2\" id=\"t1f_171\">(1,014) </span><span class=\"S3AD1 SA7 S2\" id=\"t1g_171\">(29,273) </span><span class=\"S3AD2 SA7 S2\" id=\"t1h_171\">(119,377) </span><span class=\"S3AD3 SA7 S2\" id=\"t1i_171\">Securities at amortized cost </span><span class=\"S33F4 SA7 S2\" id=\"t1j_171\">144,757 </span><span class=\"S3AD4 SA7 S2\" id=\"t1k_171\">(4,636) </span><span class=\"S3AD5 SA7 S2\" id=\"t1l_171\">(31,501) </span><span class=\"S3AD6 SA7 S2\" id=\"t1m_171\">- </span><span class=\"S3AD7 SA7 S2\" id=\"t1n_171\">Loans at amortized cost </span><span class=\"S3AD8 SA7 S2\" id=\"t1o_171\">978,037 </span><span class=\"S3AD9 SA7 S2\" id=\"t1p_171\">32,572 </span><span class=\"S3ADA SA7 S2\" id=\"t1q_171\">(167,506) </span><span class=\"S3ADB SA7 S2\" id=\"t1r_171\">- </span><span class=\"S3ADC SA7 S2\" id=\"t1s_171\">Finance lease receivables </span><span class=\"S3ADD SA7 S2\" id=\"t1t_171\">78,262 </span><span class=\"S3ADE SA7 S2\" id=\"t1u_171\">- </span><span class=\"S3ADF SA7 S2\" id=\"t1v_171\">(24,413) </span><span class=\"S3AE0 SA7 S2\" id=\"t1w_171\">- </span><span class=\"S3AE1 SA7 S2\" id=\"t1x_171\">Loans mandatorily at fair value </span><span class=\"S3AE2 SA7 S2\" id=\"t1y_171\">through profit or loss </span><span class=\"S3AE3 SA7 S2\" id=\"t1z_171\">54,036 </span><span class=\"S3AE4 SA7 S2\" id=\"t20_171\">(5,951) </span><span class=\"S3AE5 SA7 S2\" id=\"t21_171\">13,346 </span><span class=\"S3AE6 SA7 S2\" id=\"t22_171\">- </span><span class=\"S3AE7 SA7 S2\" id=\"t23_171\">Other financial assets </span><span class=\"S3AE8 SE8B S2\" id=\"t24_171\">2 </span><span class=\"S3AE9 SA7 S2\" id=\"t25_171\">4,103 </span><span class=\"S3AEA SA7 S2\" id=\"t26_171\">- </span><span class=\"S3AEB SA7 S2\" id=\"t27_171\">(1,204) </span><span class=\"S3AEC SA7 S2\" id=\"t28_171\">- </span><span class=\"S3AED SA7 S2\" id=\"t29_171\">Derivative financial instruments </span><span class=\"S3AEE SE8B S2\" id=\"t2a_171\">2 </span><span class=\"S3AEF SA7 S2\" id=\"t2b_171\">(85,909) </span><span class=\"S3AF0 SA7 S2\" id=\"t2c_171\">10,558 </span><span class=\"S3AF1 SA7 S2\" id=\"t2d_171\">- </span><span class=\"S3AF2 SA7 S2\" id=\"t2e_171\">- </span><span class=\"S3AF3 SB S2\" id=\"t2f_171\">Total result on financial assets </span><span class=\"S3AF4 SB S2\" id=\"t2g_171\">1,447,999 </span><span class=\"S3AF5 SB S2\" id=\"t2h_171\">28,523 </span><span class=\"S3AF6 SB S2\" id=\"t2i_171\">(240,837) </span><span class=\"S3AF7 SB S2\" id=\"t2j_171\">(119,377) </span><span class=\"S3AF8 SA7 S2\" id=\"t2k_171\">Amounts due to banks, the National </span><span class=\"S3AF9 SA7 S2\" id=\"t2l_171\">Governments, deposits from the </span><span class=\"S3AFA SA7 S2\" id=\"t2m_171\">National Banks and other banks </span><span class=\"S3AFB SA7 S2\" id=\"t2n_171\">(16,315) </span><span class=\"S3AFC SA7 S2\" id=\"t2o_171\">- </span><span class=\"S3AFD SA7 S2\" id=\"t2p_171\">- </span><span class=\"S3AFE SA7 S2\" id=\"t2q_171\">- </span><span class=\"S3AFF SA7 S2\" id=\"t2r_171\">Repo liabilities </span><span class=\"S3B00 SA7 S2\" id=\"t2s_171\">(31,006) </span><span class=\"S3B01 SA7 S2\" id=\"t2t_171\">- </span><span class=\"S3B02 SA7 S2\" id=\"t2u_171\">- </span><span class=\"S3B03 SA7 S2\" id=\"t2v_171\">- </span><span class=\"S3B04 SA7 S2\" id=\"t2w_171\">Financial liabilities designated </span><span class=\"S3B05 SA7 S2\" id=\"t2x_171\">at fair value through profit or loss </span><span class=\"S3B06 SA7 S2\" id=\"t2y_171\">(562) </span><span class=\"S3B07 SA7 S2\" id=\"t2z_171\">1,932 </span><span class=\"S3B08 SA7 S2\" id=\"t30_171\">- </span><span class=\"S3B09 SA7 S2\" id=\"t31_171\">- </span><span class=\"S3B0A SA7 S2\" id=\"t32_171\">Deposits from customers </span><span class=\"S3B0B SA7 S2\" id=\"t33_171\">(269,592) </span><span class=\"S3B0C SA7 S2\" id=\"t34_171\">342,427 </span><span class=\"S3B0D SA7 S2\" id=\"t35_171\">- </span><span class=\"S3B0E SA7 S2\" id=\"t36_171\">- </span><span class=\"S3B0F SA7 S2\" id=\"t37_171\">Liabilities from issued securities </span><span class=\"S3B10 SA7 S2\" id=\"t38_171\">(27,838) </span><span class=\"S3B11 SA7 S2\" id=\"t39_171\">- </span><span class=\"S3B12 SA7 S2\" id=\"t3a_171\">- </span><span class=\"S3B13 SA7 S2\" id=\"t3b_171\">- </span><span class=\"S3B14 SA7 S2\" id=\"t3c_171\">Leasing liabilities </span><span class=\"S3B15 SA7 S2\" id=\"t3d_171\">(2,386) </span><span class=\"S3B16 SA7 S2\" id=\"t3e_171\">- </span><span class=\"S3B17 SA7 S2\" id=\"t3f_171\">- </span><span class=\"S3B18 SA7 S2\" id=\"t3g_171\">- </span><span class=\"S3B19 SA7 S2\" id=\"t3h_171\">Subordinated bonds and loans </span><span class=\"S3B1A SA7 S2\" id=\"t3i_171\">(8,986) </span><span class=\"S3B1B SA7 S2\" id=\"t3j_171\">- </span><span class=\"S3B1C SA7 S2\" id=\"t3k_171\">- </span><span class=\"S3B1D SA7 S2\" id=\"t3l_171\">- </span><span class=\"S3B1E SB S2\" id=\"t3m_171\">Total result on financial liabilities </span><span class=\"S3B1F SB S2\" id=\"t3n_171\">(356,685) </span><span class=\"S3B20 SB S2\" id=\"t3o_171\">344,359 </span><span class=\"S3B21 SB S2\" id=\"t3p_171\">- </span><span class=\"S3B22 SB S2\" id=\"t3q_171\">- </span><span class=\"S3B23 SB S2\" id=\"t3r_171\">Total result on financial instruments </span><span class=\"S3B24 SB S2\" id=\"t3s_171\">1,091,314 </span><span class=\"S3B25 SB S2\" id=\"t3t_171\">372,882 </span><span class=\"S3B26 SB S2\" id=\"t3u_171\">(240,837) </span><span class=\"S3B27 SB S2\" id=\"t3v_171\">(119,377) </span><span class=\"S3B28 S482 S2\" id=\"t3w_171\">1 </span><span class=\"S3B29 S483 S2\" id=\"t3x_171\">For the year 2022 HUF (1,014) million net non-interest gain on securities at fair value through other comprehensive income was transferred </span><span class=\"S3B2A S483 S2\" id=\"t3y_171\">from other comprehensive income to profit or loss. </span><span class=\"S1658 S482 S2\" id=\"t3z_171\">2 </span><span class=\"S3B2B S483 S2\" id=\"t40_171\">Gains from other financial assets and derivative financial instruments recognized in net interest income as Income similar to interest income. </span><span class=\"SFA4 SB S2\" id=\"t3_172\">NOTE 47: </span><span class=\"SFA5 SB S2\" id=\"t4_172\">NET GAIN OR LOSS REALIZED ON FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_172\">[continued] </span><span class=\"S3AA3 SB S2\" id=\"t6_172\">2021 </span><span class=\"S3B2C SB S2\" id=\"t7_172\">Net interest / </span><span class=\"S3AA5 SB S2\" id=\"t8_172\">similar to </span><span class=\"S3AA6 SB S2\" id=\"t9_172\">interest gain </span><span class=\"S3B2D SB S2\" id=\"ta_172\">and loss </span><span class=\"S3AA8 SB S2\" id=\"tb_172\">Net non- </span><span class=\"S3AA9 SB S2\" id=\"tc_172\">interest gain </span><span class=\"S3AAA SB S2\" id=\"td_172\">and loss </span><span class=\"S3AAB SB S2\" id=\"te_172\">Loss </span><span class=\"S3AAC SB S2\" id=\"tf_172\">allowance </span><span class=\"S3AAD SB S2\" id=\"tg_172\">Other </span><span class=\"S3AAE SB S2\" id=\"th_172\">Compre- </span><span class=\"S3AAF SB S2\" id=\"ti_172\">hensive </span><span class=\"S3AB0 SB S2\" id=\"tj_172\">Income </span><span class=\"S3AB1 SA7 S2\" id=\"tk_172\">Cash, amounts due from banks and </span><span class=\"S3AB2 SA7 S2\" id=\"tl_172\">balances with the National Banks </span><span class=\"S3AB3 SA7 S2\" id=\"tm_172\">16,527 </span><span class=\"S3AB4 SA7 S2\" id=\"tn_172\">- </span><span class=\"S3AB5 SA7 S2\" id=\"to_172\">(952) </span><span class=\"S3AB6 SA7 S2\" id=\"tp_172\">- </span><span class=\"S3AB7 SA7 S2\" id=\"tq_172\">Placements with other banks </span><span class=\"S3B2E SA7 S2\" id=\"tr_172\">24,594 </span><span class=\"S3AB9 SA7 S2\" id=\"ts_172\">- </span><span class=\"S3B2F SA7 S2\" id=\"tt_172\">(1,664) </span><span class=\"S3ABB SA7 S2\" id=\"tu_172\">- </span><span class=\"S3ABC SA7 S2\" id=\"tv_172\">Repo receivables </span><span class=\"S3B30 SA7 S2\" id=\"tw_172\">827 </span><span class=\"S3ABE SA7 S2\" id=\"tx_172\">- </span><span class=\"S3ABF SA7 S2\" id=\"ty_172\">12 </span><span class=\"S3AC0 SA7 S2\" id=\"tz_172\">- </span><span class=\"S3AC1 SA7 S2\" id=\"t10_172\">Trading securities at fair value </span><span class=\"S3AC2 SA7 S2\" id=\"t11_172\">through profit or loss </span><span class=\"S33E4 SA7 S2\" id=\"t12_172\">- </span><span class=\"S3B31 SA7 S2\" id=\"t13_172\">5,016 </span><span class=\"S3AC4 SA7 S2\" id=\"t14_172\">- </span><span class=\"S3AC5 SA7 S2\" id=\"t15_172\">- </span><span class=\"S3AC6 SA7 S2\" id=\"t16_172\">Non-trading instruments mandatorily </span><span class=\"S3AC7 SA7 S2\" id=\"t17_172\">at fair value through profit or loss </span><span class=\"S3B32 SA7 S2\" id=\"t18_172\">1,749 </span><span class=\"S3B33 SA7 S2\" id=\"t19_172\">4,812 </span><span class=\"S3ACA SA7 S2\" id=\"t1a_172\">- </span><span class=\"S3ACB SA7 S2\" id=\"t1b_172\">- </span><span class=\"S3ACC SA7 S2\" id=\"t1c_172\">Securities at fair value through </span><span class=\"S3ACD SA7 S2\" id=\"t1d_172\">other comprehensive income </span><span class=\"S3ACE SE8B S2\" id=\"t1e_172\">1 </span><span class=\"S3ACF SA7 S2\" id=\"t1f_172\">49,473 </span><span class=\"S3AD0 SA7 S2\" id=\"t1g_172\">(2,587) </span><span class=\"S3B34 SA7 S2\" id=\"t1h_172\">(961) </span><span class=\"S3B35 SA7 S2\" id=\"t1i_172\">(44,877) </span><span class=\"S3AD3 SA7 S2\" id=\"t1j_172\">Securities at amortized cost </span><span class=\"S3B36 SA7 S2\" id=\"t1k_172\">79,602 </span><span class=\"S3B37 SA7 S2\" id=\"t1l_172\">1,031 </span><span class=\"S3B38 SA7 S2\" id=\"t1m_172\">(3,013) </span><span class=\"S3AD6 SA7 S2\" id=\"t1n_172\">- </span><span class=\"S3AD7 SA7 S2\" id=\"t1o_172\">Loans at amortized cost </span><span class=\"S3AD8 SA7 S2\" id=\"t1p_172\">692,432 </span><span class=\"S3AD9 SA7 S2\" id=\"t1q_172\">26,354 </span><span class=\"S3B39 SA7 S2\" id=\"t1r_172\">(32,159) </span><span class=\"S3ADB SA7 S2\" id=\"t1s_172\">- </span><span class=\"S3ADC SA7 S2\" id=\"t1t_172\">Finance lease receivables </span><span class=\"S3ADD SA7 S2\" id=\"t1u_172\">59,084 </span><span class=\"S3ADE SA7 S2\" id=\"t1v_172\">- </span><span class=\"S3B3A SA7 S2\" id=\"t1w_172\">(5,776) </span><span class=\"S3AE0 SA7 S2\" id=\"t1x_172\">- </span><span class=\"S3AE1 SA7 S2\" id=\"t1y_172\">Loans mandatorily at fair value </span><span class=\"S3AE2 SA7 S2\" id=\"t1z_172\">through profit or loss </span><span class=\"S3AE3 SA7 S2\" id=\"t20_172\">40,131 </span><span class=\"S3B3B SA7 S2\" id=\"t21_172\">4,459 </span><span class=\"S3B3C SA7 S2\" id=\"t22_172\">(16,289) </span><span class=\"S3AE6 SA7 S2\" id=\"t23_172\">- </span><span class=\"S3AE7 SA7 S2\" id=\"t24_172\">Other financial assets </span><span class=\"S3B3D SE8B S2\" id=\"t25_172\">2 </span><span class=\"S3AE9 SA7 S2\" id=\"t26_172\">3,639 </span><span class=\"S3AEA SA7 S2\" id=\"t27_172\">- </span><span class=\"S3B3E SA7 S2\" id=\"t28_172\">438 </span><span class=\"S3AEC SA7 S2\" id=\"t29_172\">- </span><span class=\"S3AED SA7 S2\" id=\"t2a_172\">Derivative financial instruments </span><span class=\"S3AEE SE8B S2\" id=\"t2b_172\">2 </span><span class=\"S3B3F SA7 S2\" id=\"t2c_172\">3,321 </span><span class=\"S3B40 SA7 S2\" id=\"t2d_172\">9,412 </span><span class=\"S3AF1 SA7 S2\" id=\"t2e_172\">- </span><span class=\"S3AF2 SA7 S2\" id=\"t2f_172\">- </span><span class=\"S3AF3 SB S2\" id=\"t2g_172\">Total result on financial assets </span><span class=\"S3B41 SB S2\" id=\"t2h_172\">971,379 </span><span class=\"S3AF5 SB S2\" id=\"t2i_172\">48,497 </span><span class=\"S3B42 SB S2\" id=\"t2j_172\">(60,364) </span><span class=\"S3B43 SB S2\" id=\"t2k_172\">(44,877) </span><span class=\"S3AF8 SA7 S2\" id=\"t2l_172\">Amounts due to banks, the National </span><span class=\"S3AF9 SA7 S2\" id=\"t2m_172\">Governments, deposits from the </span><span class=\"S3AFA SA7 S2\" id=\"t2n_172\">National Banks and other banks </span><span class=\"S3AFB SA7 S2\" id=\"t2o_172\">(24,249) </span><span class=\"S3AFC SA7 S2\" id=\"t2p_172\">- </span><span class=\"S3AFD SA7 S2\" id=\"t2q_172\">- </span><span class=\"S3AFE SA7 S2\" id=\"t2r_172\">- </span><span class=\"S3AFF SA7 S2\" id=\"t2s_172\">Repo liabilities </span><span class=\"S3B44 SA7 S2\" id=\"t2t_172\">(2,299) </span><span class=\"S3B01 SA7 S2\" id=\"t2u_172\">- </span><span class=\"S3B02 SA7 S2\" id=\"t2v_172\">- </span><span class=\"S3B03 SA7 S2\" id=\"t2w_172\">- </span><span class=\"S3B04 SA7 S2\" id=\"t2x_172\">Financial liabilities designated </span><span class=\"S3B05 SA7 S2\" id=\"t2y_172\">at fair value through profit or loss </span><span class=\"S3B06 SA7 S2\" id=\"t2z_172\">(493) </span><span class=\"S3B45 SA7 S2\" id=\"t30_172\">(3,916) </span><span class=\"S3B08 SA7 S2\" id=\"t31_172\">- </span><span class=\"S3B09 SA7 S2\" id=\"t32_172\">- </span><span class=\"S3B0A SA7 S2\" id=\"t33_172\">Deposits from customers </span><span class=\"S3B46 SA7 S2\" id=\"t34_172\">(51,052) </span><span class=\"S3B0C SA7 S2\" id=\"t35_172\">267,033 </span><span class=\"S3B0D SA7 S2\" id=\"t36_172\">- </span><span class=\"S3B0E SA7 S2\" id=\"t37_172\">- </span><span class=\"S3B0F SA7 S2\" id=\"t38_172\">Liabilities from issued securities </span><span class=\"S3B47 SA7 S2\" id=\"t39_172\">(9,822) </span><span class=\"S3B11 SA7 S2\" id=\"t3a_172\">- </span><span class=\"S3B12 SA7 S2\" id=\"t3b_172\">- </span><span class=\"S3B13 SA7 S2\" id=\"t3c_172\">- </span><span class=\"S3B14 SA7 S2\" id=\"t3d_172\">Leasing liabilities </span><span class=\"S3B15 SA7 S2\" id=\"t3e_172\">(1,556) </span><span class=\"S3B16 SA7 S2\" id=\"t3f_172\">- </span><span class=\"S3B17 SA7 S2\" id=\"t3g_172\">- </span><span class=\"S3B18 SA7 S2\" id=\"t3h_172\">- </span><span class=\"S3B19 SA7 S2\" id=\"t3i_172\">Subordinated bonds and loans </span><span class=\"S3B1A SA7 S2\" id=\"t3j_172\">(7,598) </span><span class=\"S3B1B SA7 S2\" id=\"t3k_172\">- </span><span class=\"S3B1C SA7 S2\" id=\"t3l_172\">- </span><span class=\"S3B1D SA7 S2\" id=\"t3m_172\">- </span><span class=\"S3B1E SB S2\" id=\"t3n_172\">Total result on financial liabilities </span><span class=\"S3B48 SB S2\" id=\"t3o_172\">(97,069) </span><span class=\"S3B20 SB S2\" id=\"t3p_172\">263,117 </span><span class=\"S3B21 SB S2\" id=\"t3q_172\">- </span><span class=\"S3B22 SB S2\" id=\"t3r_172\">- </span><span class=\"S3B49 SB S2\" id=\"t3s_172\">Total result on financial instruments </span><span class=\"S3B4A SB S2\" id=\"t3t_172\">874,310 </span><span class=\"S3B25 SB S2\" id=\"t3u_172\">311,614 </span><span class=\"S3B4B SB S2\" id=\"t3v_172\">(60,364) </span><span class=\"S3B4C SB S2\" id=\"t3w_172\">(44,877) </span><span class=\"S3B28 S482 S2\" id=\"t3x_172\">1 </span><span class=\"S3B4D S483 S2\" id=\"t3y_172\">For the year of 2021 HUF (2,587) million net non-interest gain on securities at fair value through other comprehensive income was transferred </span><span class=\"S3B2A S483 S2\" id=\"t3z_172\">from other comprehensive income to profit or loss. </span><span class=\"S1658 S482 S2\" id=\"t40_172\">2 </span><span class=\"S3B4E S483 S2\" id=\"t41_172\">Gains from other financial assets and derivative financial instruments recognized in net interest income as Income similar to interest income. </span><span class=\"S3C29 SB S2\" id=\"t5_175\">48.2.  Fair value of derivative instruments </span><span class=\"S3C2A SA7 S2\" id=\"t6_175\">The Group regularly enters into hedging transactions in order to decrease its financial risks. However some </span><span class=\"S3C2B SA7 S2\" id=\"t7_175\">economically hedging transaction do not meet the criteria to qualify as hedge accounting, therefore these </span><span class=\"S3C2C SA7 S2\" id=\"t8_175\">transactions were accounted for as derivatives held for trading. </span><span class=\"S3C2D SA7 S2\" id=\"t9_175\">The assessment of the hedge effectiveness (both for fair value hedges and cash flow hedges) to determine the </span><span class=\"S3C2E SA7 S2\" id=\"ta_175\">economic relationship between the hedged item and the hedging instrument is accomplished with prospective </span><span class=\"S3C2F SA7 S2\" id=\"tb_175\">scenario analysis via different rate shift scenarios of the relevant risk factor(s) of the hedged risk component(s). </span><span class=\"S3C30 SA7 S2\" id=\"tc_175\">The fair value change of the hedged item and the hedging instrument is compared in the different scenarios. </span><span class=\"S3C31 SA7 S2\" id=\"td_175\">Economic relationship is justified if the change of the fair value of the hedged item and the hedging instrument are </span><span class=\"S3358 SA7 S2\" id=\"te_175\">in the opposite direction and the absolute changes are similar amounts. The hedge ratio is determined as the ratio </span><span class=\"S3C32 SA7 S2\" id=\"tf_175\">of the notional of the hedged item and the notional of the hedging instrument. The sources of hedge ineffectiveness </span><span class=\"S3C33 SA7 S2\" id=\"tg_175\">are the not hedged risk components (e.g. change of cross currency basis spreads in case of interest rate risk hedges), </span><span class=\"S3C34 SA7 S2\" id=\"th_175\">slight differences in maturity dates and interest payment dates in case of fair value hedges, and differences between </span><span class=\"S3C35 SA7 S2\" id=\"ti_175\">the carrying amount of the hedged item and the carrying amount of the hedging instrument in case of FX hedges </span><span class=\"S976 SA7 S2\" id=\"tj_175\">(e.g. caused by interest rate risk components in the fair value of the hedging instrument). </span><span class=\"S3C36 SA7 S2\" id=\"tk_175\">The summary of the derivatives held for trading and derivatives designated as hedge accounting of the Group are </span><span class=\"S3C37 SA7 S2\" id=\"tl_175\">as follows: </span><span class=\"S3B80 SB S2\" id=\"t5_176\">48.2. </span><span class=\"S3C38 SB S2\" id=\"t6_176\">Fair value of derivative instruments [continued] </span><span class=\"S3C39 S27D S2\" id=\"t7_176\">2022 </span><span class=\"S3C3A S27D S2\" id=\"t8_176\">2021 </span><span class=\"S3C3B S27D S2\" id=\"t9_176\">Before netting </span><span class=\"S3C3C S27D S2\" id=\"ta_176\">Netting </span><span class=\"S3C3D S27D S2\" id=\"tb_176\">After netting </span><span class=\"S3C3E S27D S2\" id=\"tc_176\">Before netting </span><span class=\"S3C3F S27D S2\" id=\"td_176\">Netting </span><span class=\"S3C40 S27D S2\" id=\"te_176\">After netting </span><span class=\"S3C41 S27D S2\" id=\"tf_176\">Assets </span><span class=\"S3C42 S27D S2\" id=\"tg_176\">Liabilities </span><span class=\"S3C43 S27D S2\" id=\"th_176\">Assets </span><span class=\"S3C44 S27D S2\" id=\"ti_176\">Liabilities </span><span class=\"S3C45 S27D S2\" id=\"tj_176\">Assets </span><span class=\"S3C46 S27D S2\" id=\"tk_176\">Liabilities </span><span class=\"S3C47 S27D S2\" id=\"tl_176\">Assets </span><span class=\"S3C48 S27D S2\" id=\"tm_176\">Liabilities </span><span class=\"S3C49 S27D S2\" id=\"tn_176\">Held for trading derivative financial </span><span class=\"S3C4A S27D S2\" id=\"to_176\">instruments </span><span class=\"S3C4B S27D S2\" id=\"tp_176\">Interest rate derivatives </span><span class=\"S3C4C S27E S2\" id=\"tq_176\">Interest rate swaps </span><span class=\"S3C4D S27E S2\" id=\"tr_176\">165,478 </span><span class=\"S3C4E S27E S2\" id=\"ts_176\">(171,706) </span><span class=\"S3C4F S27E S2\" id=\"tt_176\">155,468 </span><span class=\"S3C50 S27E S2\" id=\"tu_176\">10,010 </span><span class=\"S3C51 S27E S2\" id=\"tv_176\">(16,238) </span><span class=\"S3C52 S27E S2\" id=\"tw_176\">58,512 </span><span class=\"S3C53 S27E S2\" id=\"tx_176\">(56,070) </span><span class=\"S3C54 S27E S2\" id=\"ty_176\">40,783 </span><span class=\"S3C55 S27E S2\" id=\"tz_176\">17,729 </span><span class=\"S3C56 S27E S2\" id=\"t10_176\">(15,287) </span><span class=\"S3C57 S27E S2\" id=\"t11_176\">Cross currency interest rate swaps </span><span class=\"S3C58 S27E S2\" id=\"t12_176\">11,332 </span><span class=\"S3C59 S27E S2\" id=\"t13_176\">(12,139) </span><span class=\"S3C5A S27E S2\" id=\"t14_176\">- </span><span class=\"S3C5B S27E S2\" id=\"t15_176\">11,332 </span><span class=\"S3C5C S27E S2\" id=\"t16_176\">(12,139) </span><span class=\"S3C5D S27E S2\" id=\"t17_176\">7,316 </span><span class=\"S3C5E S27E S2\" id=\"t18_176\">(7,621) </span><span class=\"S3C5F S27E S2\" id=\"t19_176\">- </span><span class=\"S3C60 S27E S2\" id=\"t1a_176\">7,316 </span><span class=\"S3C61 S27E S2\" id=\"t1b_176\">(7,621) </span><span class=\"S3C62 S27E S2\" id=\"t1c_176\">OTC options </span><span class=\"S3C63 S27E S2\" id=\"t1d_176\">1,074 </span><span class=\"S3C64 S27E S2\" id=\"t1e_176\">(1,069) </span><span class=\"S3C65 S27E S2\" id=\"t1f_176\">- </span><span class=\"S3C66 S27E S2\" id=\"t1g_176\">1,074 </span><span class=\"S3C67 S27E S2\" id=\"t1h_176\">(1,069) </span><span class=\"S3C68 S27E S2\" id=\"t1i_176\">484 </span><span class=\"S3C69 S27E S2\" id=\"t1j_176\">(299) </span><span class=\"S3C6A S27E S2\" id=\"t1k_176\">- </span><span class=\"S3C6B S27E S2\" id=\"t1l_176\">484 </span><span class=\"S3C6C S27E S2\" id=\"t1m_176\">(299) </span><span class=\"S3C6D S27E S2\" id=\"t1n_176\">Forward rate agreement </span><span class=\"S3C6E S27E S2\" id=\"t1o_176\">505 </span><span class=\"S3C6F S27E S2\" id=\"t1p_176\">(3) </span><span class=\"S3C70 S27E S2\" id=\"t1q_176\">505 </span><span class=\"S3C71 S27E S2\" id=\"t1r_176\">- </span><span class=\"S3C72 S27E S2\" id=\"t1s_176\">502 </span><span class=\"S3C73 S27E S2\" id=\"t1t_176\">- </span><span class=\"S3C74 S27E S2\" id=\"t1u_176\">- </span><span class=\"S3C75 S27E S2\" id=\"t1v_176\">- </span><span class=\"S3C76 S27E S2\" id=\"t1w_176\">- </span><span class=\"S3C77 S27E S2\" id=\"t1x_176\">- </span><span class=\"S3C78 S27D S2\" id=\"t1y_176\">Total interest rate derivatives (OTC derivatives) </span><span class=\"S3C79 S27D S2\" id=\"t1z_176\">178,389 </span><span class=\"S3C7A S27D S2\" id=\"t20_176\">(184,917) </span><span class=\"S3C7B S27D S2\" id=\"t21_176\">155,973 </span><span class=\"S3C7C S27D S2\" id=\"t22_176\">22,416 </span><span class=\"S3C7D S27D S2\" id=\"t23_176\">(28,944) </span><span class=\"S3C7E S27D S2\" id=\"t24_176\">66,312 </span><span class=\"S3C7F S27D S2\" id=\"t25_176\">(63,990) </span><span class=\"S3C80 S27D S2\" id=\"t26_176\">40,783 </span><span class=\"S3C81 S27D S2\" id=\"t27_176\">25,529 </span><span class=\"S3C82 S27D S2\" id=\"t28_176\">(23,207) </span><span class=\"S3C83 S27D S2\" id=\"t29_176\">Foreign exchange derivatives </span><span class=\"S3C84 S27E S2\" id=\"t2a_176\">Foreign exchange swaps </span><span class=\"S3C85 S27E S2\" id=\"t2b_176\">76,881 </span><span class=\"S3C86 S27E S2\" id=\"t2c_176\">(72,959) </span><span class=\"S3C87 S27E S2\" id=\"t2d_176\">- </span><span class=\"S3C88 S27E S2\" id=\"t2e_176\">76,881 </span><span class=\"S3C89 S27E S2\" id=\"t2f_176\">(72,959) </span><span class=\"S3C8A S27E S2\" id=\"t2g_176\">37,638 </span><span class=\"S3C8B S27E S2\" id=\"t2h_176\">(42,272) </span><span class=\"S3C8C S27E S2\" id=\"t2i_176\">- </span><span class=\"S3C8D S27E S2\" id=\"t2j_176\">37,638 </span><span class=\"S3C8E S27E S2\" id=\"t2k_176\">(42,272) </span><span class=\"S3C8F S27E S2\" id=\"t2l_176\">Foreign exchange forward contracts </span><span class=\"S3C90 S27E S2\" id=\"t2m_176\">13,085 </span><span class=\"S3C91 S27E S2\" id=\"t2n_176\">(13,740) </span><span class=\"S3C92 S27E S2\" id=\"t2o_176\">- </span><span class=\"S3C93 S27E S2\" id=\"t2p_176\">13,085 </span><span class=\"S3C94 S27E S2\" id=\"t2q_176\">(13,740) </span><span class=\"S3C95 S27E S2\" id=\"t2r_176\">10,790 </span><span class=\"S3C96 S27E S2\" id=\"t2s_176\">(7,738) </span><span class=\"S3C97 S27E S2\" id=\"t2t_176\">- </span><span class=\"S3C98 S27E S2\" id=\"t2u_176\">10,790 </span><span class=\"S3C99 S27E S2\" id=\"t2v_176\">(7,738) </span><span class=\"S3C9A S27E S2\" id=\"t2w_176\">OTC options </span><span class=\"S3C9B S27E S2\" id=\"t2x_176\">1,048 </span><span class=\"S3C9C S27E S2\" id=\"t2y_176\">(822) </span><span class=\"S3C9D S27E S2\" id=\"t2z_176\">- </span><span class=\"S3C9E S27E S2\" id=\"t30_176\">1,048 </span><span class=\"S3C9F S27E S2\" id=\"t31_176\">(822) </span><span class=\"S3CA0 S27E S2\" id=\"t32_176\">801 </span><span class=\"S3CA1 S27E S2\" id=\"t33_176\">(180) </span><span class=\"S3CA2 S27E S2\" id=\"t34_176\">- </span><span class=\"S3CA3 S27E S2\" id=\"t35_176\">801 </span><span class=\"S3CA4 S27E S2\" id=\"t36_176\">(180) </span><span class=\"S3CA5 S27E S2\" id=\"t37_176\">Foreign exchange spot conversion </span><span class=\"S3CA6 S27E S2\" id=\"t38_176\">177 </span><span class=\"S3CA7 S27E S2\" id=\"t39_176\">(177) </span><span class=\"S3CA8 S27E S2\" id=\"t3a_176\">- </span><span class=\"S3CA9 S27E S2\" id=\"t3b_176\">177 </span><span class=\"S3CAA S27E S2\" id=\"t3c_176\">(177) </span><span class=\"S3CAB S27E S2\" id=\"t3d_176\">187 </span><span class=\"S3CAC S27E S2\" id=\"t3e_176\">(242) </span><span class=\"S3CAD S27E S2\" id=\"t3f_176\">- </span><span class=\"S3CAE S27E S2\" id=\"t3g_176\">187 </span><span class=\"S3CAF S27E S2\" id=\"t3h_176\">(242) </span><span class=\"S3CB0 S27D S2\" id=\"t3i_176\">Total foreign exchange derivatives </span><span class=\"S3CB1 S27D S2\" id=\"t3j_176\">(OTC derivatives) </span><span class=\"S3CB2 S27D S2\" id=\"t3k_176\">91,191 </span><span class=\"S3CB3 S27D S2\" id=\"t3l_176\">(87,698) </span><span class=\"S3CB4 S27D S2\" id=\"t3m_176\">- </span><span class=\"S3CB5 S27D S2\" id=\"t3n_176\">91,191 </span><span class=\"S3CB6 S27D S2\" id=\"t3o_176\">(87,698) </span><span class=\"S3CB7 S27D S2\" id=\"t3p_176\">49,416 </span><span class=\"S3CB8 S27D S2\" id=\"t3q_176\">(50,432) </span><span class=\"S3CB9 S27D S2\" id=\"t3r_176\">- </span><span class=\"S3CBA S27D S2\" id=\"t3s_176\">49,416 </span><span class=\"S3CBB S27D S2\" id=\"t3t_176\">(50,432) </span><span class=\"S3CBC S27D S2\" id=\"t3u_176\">Equity stock and index derivatives </span><span class=\"S3CBD S27E S2\" id=\"t3v_176\">Commodity Swaps </span><span class=\"S3CBE S27E S2\" id=\"t3w_176\">33,693 </span><span class=\"S3CBF S27E S2\" id=\"t3x_176\">(31,632) </span><span class=\"S3CC0 S27E S2\" id=\"t3y_176\">- </span><span class=\"S3CC1 S27E S2\" id=\"t3z_176\">33,693 </span><span class=\"S3CC2 S27E S2\" id=\"t40_176\">(31,632) </span><span class=\"S3CC3 S27E S2\" id=\"t41_176\">51,523 </span><span class=\"S3CC4 S27E S2\" id=\"t42_176\">(51,508) </span><span class=\"S3CC5 S27E S2\" id=\"t43_176\">- </span><span class=\"S3CC6 S27E S2\" id=\"t44_176\">51,523 </span><span class=\"S3CC7 S27E S2\" id=\"t45_176\">(51,508) </span><span class=\"S3CC8 S27E S2\" id=\"t46_176\">Equity swaps </span><span class=\"S3CC9 S27E S2\" id=\"t47_176\">54 </span><span class=\"S3CCA S27E S2\" id=\"t48_176\">(702) </span><span class=\"S3CCB S27E S2\" id=\"t49_176\">- </span><span class=\"S3CCC S27E S2\" id=\"t4a_176\">54 </span><span class=\"S3CCD S27E S2\" id=\"t4b_176\">(702) </span><span class=\"S3CCE S27E S2\" id=\"t4c_176\">10,538 </span><span class=\"S3CCF S27E S2\" id=\"t4d_176\">(357) </span><span class=\"S3CD0 S27E S2\" id=\"t4e_176\">- </span><span class=\"S3CD1 S27E S2\" id=\"t4f_176\">10,538 </span><span class=\"S3CD2 S27E S2\" id=\"t4g_176\">(357) </span><span class=\"S3CD3 S27D S2\" id=\"t4h_176\">OTC derivatives total </span><span class=\"S3CD4 S27D S2\" id=\"t4i_176\">33,747 </span><span class=\"S3CD5 S27D S2\" id=\"t4j_176\">(32,334) </span><span class=\"S3CD6 S27D S2\" id=\"t4k_176\">- </span><span class=\"S3CD7 S27D S2\" id=\"t4l_176\">33,747 </span><span class=\"S3CD8 S27D S2\" id=\"t4m_176\">(32,334) </span><span class=\"S3CD9 S27D S2\" id=\"t4n_176\">62,061 </span><span class=\"S3CDA S27D S2\" id=\"t4o_176\">(51,865) </span><span class=\"S3CDB S27D S2\" id=\"t4p_176\">- </span><span class=\"S3CDC S27D S2\" id=\"t4q_176\">62,061 </span><span class=\"S3CDD S27D S2\" id=\"t4r_176\">(51,865) </span><span class=\"S3CDE S27E S2\" id=\"t4s_176\">Exchange traded futures and options </span><span class=\"S3CDF S27E S2\" id=\"t4t_176\">214 </span><span class=\"S3CE0 S27E S2\" id=\"t4u_176\">(1,887) </span><span class=\"S3CE1 S27E S2\" id=\"t4v_176\">- </span><span class=\"S3CE2 S27E S2\" id=\"t4w_176\">214 </span><span class=\"S3CE3 S27E S2\" id=\"t4x_176\">(1,887) </span><span class=\"S3CE4 S27E S2\" id=\"t4y_176\">171 </span><span class=\"S3CE5 S27E S2\" id=\"t4z_176\">(278) </span><span class=\"S3CE6 S27E S2\" id=\"t50_176\">- </span><span class=\"S3CE7 S27E S2\" id=\"t51_176\">171 </span><span class=\"S3CE8 S27E S2\" id=\"t52_176\">(278) </span><span class=\"S3CE9 S27D S2\" id=\"t53_176\">Total equity stock and index derivatives </span><span class=\"S3CEA S27D S2\" id=\"t54_176\">33,961 </span><span class=\"S3CEB S27D S2\" id=\"t55_176\">(34,221) </span><span class=\"S3CEC S27D S2\" id=\"t56_176\">- </span><span class=\"S3CED S27D S2\" id=\"t57_176\">33,961 </span><span class=\"S3CEE S27D S2\" id=\"t58_176\">(34,221) </span><span class=\"S3CEF S27D S2\" id=\"t59_176\">62,232 </span><span class=\"S3CF0 S27D S2\" id=\"t5a_176\">(52,143) </span><span class=\"S3CF1 S27D S2\" id=\"t5b_176\">- </span><span class=\"S3CF2 S27D S2\" id=\"t5c_176\">62,232 </span><span class=\"S3CF3 S27D S2\" id=\"t5d_176\">(52,143) </span><span class=\"S3CF4 S27D S2\" id=\"t5e_176\">Derivatives held for risk management </span><span class=\"S3CF5 S27D S2\" id=\"t5f_176\">not designated in hedge </span><span class=\"S3CF6 S27E S2\" id=\"t5g_176\">Interest rate swaps </span><span class=\"S3CF7 S27E S2\" id=\"t5h_176\">136,164 </span><span class=\"S3CF8 S27E S2\" id=\"t5i_176\">(239,975) </span><span class=\"S3CF9 S27E S2\" id=\"t5j_176\">18,944 </span><span class=\"S3CFA S27E S2\" id=\"t5k_176\">117,220 </span><span class=\"S3CFB S27E S2\" id=\"t5l_176\">(221,031) </span><span class=\"S3CFC S27E S2\" id=\"t5m_176\">47,457 </span><span class=\"S3CFD S27E S2\" id=\"t5n_176\">(78,340) </span><span class=\"S3CFE S27E S2\" id=\"t5o_176\">5,682 </span><span class=\"S3CFF S27E S2\" id=\"t5p_176\">41,775 </span><span class=\"S3D00 S27E S2\" id=\"t5q_176\">(72,658) </span><span class=\"S3D01 S27E S2\" id=\"t5r_176\">Foreign exchange swaps </span><span class=\"S3D02 S27E S2\" id=\"t5s_176\">2,514 </span><span class=\"S3D03 S27E S2\" id=\"t5t_176\">(10,190) </span><span class=\"S3D04 S27E S2\" id=\"t5u_176\">- </span><span class=\"S3D05 S27E S2\" id=\"t5v_176\">2,514 </span><span class=\"S3D06 S27E S2\" id=\"t5w_176\">(10,190) </span><span class=\"S3D07 S27E S2\" id=\"t5x_176\">1,090 </span><span class=\"S3D08 S27E S2\" id=\"t5y_176\">(4,108) </span><span class=\"S3D09 S27E S2\" id=\"t5z_176\">- </span><span class=\"S3D0A S27E S2\" id=\"t60_176\">1,090 </span><span class=\"S3D0B S27E S2\" id=\"t61_176\">(4,108) </span><span class=\"S3D0C S27E S2\" id=\"t62_176\">Foreign exchange spot </span><span class=\"S3D0D S27E S2\" id=\"t63_176\">- </span><span class=\"S3D0E S27E S2\" id=\"t64_176\">(43) </span><span class=\"S3D0F S27E S2\" id=\"t65_176\">- </span><span class=\"S3D10 S27E S2\" id=\"t66_176\">- </span><span class=\"S3D11 S27E S2\" id=\"t67_176\">(43) </span><span class=\"S3D12 S27E S2\" id=\"t68_176\">- </span><span class=\"S3D13 S27E S2\" id=\"t69_176\">- </span><span class=\"S3D14 S27E S2\" id=\"t6a_176\">- </span><span class=\"S3D15 S27E S2\" id=\"t6b_176\">- </span><span class=\"S3D16 S27E S2\" id=\"t6c_176\">- </span><span class=\"S3D17 S27E S2\" id=\"t6d_176\">Cross currency interest rate swaps </span><span class=\"S3D18 S27E S2\" id=\"t6e_176\">9,180 </span><span class=\"S3D19 S27E S2\" id=\"t6f_176\">(3,620) </span><span class=\"S3D1A S27E S2\" id=\"t6g_176\">- </span><span class=\"S3D1B S27E S2\" id=\"t6h_176\">9,180 </span><span class=\"S3D1C S27E S2\" id=\"t6i_176\">(3,620) </span><span class=\"S3D1D S27E S2\" id=\"t6j_176\">4,442 </span><span class=\"S3D1E S27E S2\" id=\"t6k_176\">(168) </span><span class=\"S3D1F S27E S2\" id=\"t6l_176\">- </span><span class=\"S3D20 S27E S2\" id=\"t6m_176\">4,442 </span><span class=\"S3D21 S27E S2\" id=\"t6n_176\">(168) </span><span class=\"S3D22 S27D S2\" id=\"t6o_176\">Total derivatives held for risk </span><span class=\"S3D23 S27D S2\" id=\"t6p_176\">management not designated in hedge </span><span class=\"S3D24 S27D S2\" id=\"t6q_176\">147,858 </span><span class=\"S3D25 S27D S2\" id=\"t6r_176\">(253,828) </span><span class=\"S3D26 S27D S2\" id=\"t6s_176\">18,944 </span><span class=\"S3D27 S27D S2\" id=\"t6t_176\">128,914 </span><span class=\"S3D28 S27D S2\" id=\"t6u_176\">(234,884) </span><span class=\"S3D29 S27D S2\" id=\"t6v_176\">52,989 </span><span class=\"S3D2A S27D S2\" id=\"t6w_176\">(82,616) </span><span class=\"S3D2B S27D S2\" id=\"t6x_176\">5,682 </span><span class=\"S3D2C S27D S2\" id=\"t6y_176\">47,307 </span><span class=\"S3D2D S27D S2\" id=\"t6z_176\">(76,934) </span><span class=\"S3D2E S27D S2\" id=\"t70_176\">Total held for trading derivative </span><span class=\"S3D2F S27D S2\" id=\"t71_176\">financial instruments </span><span class=\"S3D30 S27D S2\" id=\"t72_176\">451,399 </span><span class=\"S3D31 S27D S2\" id=\"t73_176\">(560,664) </span><span class=\"S3D32 S27D S2\" id=\"t74_176\">174,917 </span><span class=\"S3D33 S27D S2\" id=\"t75_176\">276,482 </span><span class=\"S3D34 S27D S2\" id=\"t76_176\">(385,747) </span><span class=\"S3D35 S27D S2\" id=\"t77_176\">230,949 </span><span class=\"S3D36 S27D S2\" id=\"t78_176\">(249,181) </span><span class=\"S3D37 S27D S2\" id=\"t79_176\">46,465 </span><span class=\"S3D38 S27D S2\" id=\"t7a_176\">184,484 </span><span class=\"S3D39 S27D S2\" id=\"t7b_176\">(202,716) </span><span class=\"S3D3B SB S2\" id=\"t5_177\">48.2.  Fair value of derivative instruments [continued] </span><span class=\"S3D3C S27D S2\" id=\"t6_177\">2022 </span><span class=\"S3D3D S27D S2\" id=\"t7_177\">2021 </span><span class=\"S3D3E S27D S2\" id=\"t8_177\">Before netting </span><span class=\"S3D3F S27D S2\" id=\"t9_177\">Netting </span><span class=\"S3D40 S27D S2\" id=\"ta_177\">After netting </span><span class=\"S3D41 S27D S2\" id=\"tb_177\">Before netting </span><span class=\"S3D42 S27D S2\" id=\"tc_177\">Netting </span><span class=\"S3D43 S27D S2\" id=\"td_177\">After netting </span><span class=\"S3D44 S27D S2\" id=\"te_177\">Assets </span><span class=\"S3D45 S27D S2\" id=\"tf_177\">Liabilities </span><span class=\"S3D46 S27D S2\" id=\"tg_177\">Assets </span><span class=\"S3D47 S27D S2\" id=\"th_177\">Liabilities </span><span class=\"S3D48 S27D S2\" id=\"ti_177\">Assets </span><span class=\"S3D49 S27D S2\" id=\"tj_177\">Liabilities </span><span class=\"S3D4A S27D S2\" id=\"tk_177\">Assets </span><span class=\"S3D4B S27D S2\" id=\"tl_177\">Liabilities </span><span class=\"S3D4C S27D S2\" id=\"tm_177\">Derivative financial instruments designated </span><span class=\"S3D4D S27D S2\" id=\"tn_177\">as hedge accounting </span><span class=\"S3D4E S27D S2\" id=\"to_177\">Derivatives designated in cash flow hedges </span><span class=\"S3D4F S27E S2\" id=\"tp_177\">Interest rate swaps </span><span class=\"S3D50 S27E S2\" id=\"tq_177\">2,651 </span><span class=\"S3D51 S27E S2\" id=\"tr_177\">(2,651) </span><span class=\"S3D52 S27E S2\" id=\"ts_177\">2,651 </span><span class=\"S3D53 S27E S2\" id=\"tt_177\">- </span><span class=\"S3D54 S27E S2\" id=\"tu_177\">- </span><span class=\"S3D55 S27E S2\" id=\"tv_177\">1,020 </span><span class=\"S3D56 S27E S2\" id=\"tw_177\">(1,020) </span><span class=\"S3D57 S27E S2\" id=\"tx_177\">1,020 </span><span class=\"S3D58 S27E S2\" id=\"ty_177\">- </span><span class=\"S3D59 S27E S2\" id=\"tz_177\">- </span><span class=\"S3D5A S27D S2\" id=\"t10_177\">Total derivatives designated in cash flow hedges </span><span class=\"S3D5B S27D S2\" id=\"t11_177\">2,651 </span><span class=\"S3D5C S27D S2\" id=\"t12_177\">(2,651) </span><span class=\"S3D5D S27D S2\" id=\"t13_177\">2,651 </span><span class=\"S3D5E S27D S2\" id=\"t14_177\">- </span><span class=\"S3D5F S27D S2\" id=\"t15_177\">- </span><span class=\"S3D60 S27D S2\" id=\"t16_177\">1,020 </span><span class=\"S3D61 S27D S2\" id=\"t17_177\">(1,020) </span><span class=\"S3D62 S27D S2\" id=\"t18_177\">1,020 </span><span class=\"S3D63 S27D S2\" id=\"t19_177\">- </span><span class=\"S3D64 S27D S2\" id=\"t1a_177\">- </span><span class=\"S3D65 S27D S2\" id=\"t1b_177\">Derivatives designated in fair value hedges </span><span class=\"S3D66 S27E S2\" id=\"t1c_177\">Interest rate swaps </span><span class=\"S3D67 S27E S2\" id=\"t1d_177\">56,757 </span><span class=\"S3D68 S27E S2\" id=\"t1e_177\">(37,290) </span><span class=\"S3D69 S27E S2\" id=\"t1f_177\">30,938 </span><span class=\"S3D6A S27E S2\" id=\"t1g_177\">25,819 </span><span class=\"S3D6B S27E S2\" id=\"t1h_177\">(6,352) </span><span class=\"S3D6C S27E S2\" id=\"t1i_177\">25,417 </span><span class=\"S3D6D S27E S2\" id=\"t1j_177\">(17,908) </span><span class=\"S3D6E S27E S2\" id=\"t1k_177\">12,131 </span><span class=\"S3D6F S27E S2\" id=\"t1l_177\">13,286 </span><span class=\"S3D70 S27E S2\" id=\"t1m_177\">(5,777) </span><span class=\"S3D71 S27E S2\" id=\"t1n_177\">Cross currency interest rate swaps </span><span class=\"S3D72 S27E S2\" id=\"t1o_177\">20,732 </span><span class=\"S3D73 S27E S2\" id=\"t1p_177\">(5,398) </span><span class=\"S3D74 S27E S2\" id=\"t1q_177\">- </span><span class=\"S3D75 S27E S2\" id=\"t1r_177\">20,732 </span><span class=\"S3D76 S27E S2\" id=\"t1s_177\">(5,398) </span><span class=\"S3D77 S27E S2\" id=\"t1t_177\">5,471 </span><span class=\"S3D78 S27E S2\" id=\"t1u_177\">(5,451) </span><span class=\"S3D79 S27E S2\" id=\"t1v_177\">- </span><span class=\"S3D7A S27E S2\" id=\"t1w_177\">5,471 </span><span class=\"S3D7B S27E S2\" id=\"t1x_177\">(5,451) </span><span class=\"S3D7C S27E S2\" id=\"t1y_177\">Foreign exchange swaps </span><span class=\"S3D7D S27E S2\" id=\"t1z_177\">1,696 </span><span class=\"S3D7E S27E S2\" id=\"t20_177\">(16,199) </span><span class=\"S3D7F S27E S2\" id=\"t21_177\">- </span><span class=\"S3D80 S27E S2\" id=\"t22_177\">1,696 </span><span class=\"S3D81 S27E S2\" id=\"t23_177\">(16,199) </span><span class=\"S3D82 S27E S2\" id=\"t24_177\">- </span><span class=\"S3D83 S27E S2\" id=\"t25_177\">- </span><span class=\"S3D84 S27E S2\" id=\"t26_177\">- </span><span class=\"S3D85 S27E S2\" id=\"t27_177\">- </span><span class=\"S3D86 S27E S2\" id=\"t28_177\">- </span><span class=\"S3D87 S27D S2\" id=\"t29_177\">Total derivatives designated in fair value hedges </span><span class=\"S3D88 S27D S2\" id=\"t2a_177\">79,185 </span><span class=\"S3D89 S27D S2\" id=\"t2b_177\">(58,887) </span><span class=\"S3D8A S27D S2\" id=\"t2c_177\">30,938 </span><span class=\"S3D8B S27D S2\" id=\"t2d_177\">48,247 </span><span class=\"S3D8C S27D S2\" id=\"t2e_177\">(27,949) </span><span class=\"S3D8D S27D S2\" id=\"t2f_177\">30,888 </span><span class=\"S3D8E S27D S2\" id=\"t2g_177\">(23,359) </span><span class=\"S3D8F S27D S2\" id=\"t2h_177\">12,131 </span><span class=\"S3D90 S27D S2\" id=\"t2i_177\">18,757 </span><span class=\"S3D91 S27D S2\" id=\"t2j_177\">(11,228) </span><span class=\"S3D92 S27D S2\" id=\"t2k_177\">Total derivatives held for risk management </span><span class=\"S3D93 S27D S2\" id=\"t2l_177\">(OTC derivatives) </span><span class=\"S3D94 S27D S2\" id=\"t2m_177\">81,836 </span><span class=\"S3D95 S27D S2\" id=\"t2n_177\">(61,538) </span><span class=\"S3D96 S27D S2\" id=\"t2o_177\">33,589 </span><span class=\"S3D97 S27D S2\" id=\"t2p_177\">48,247 </span><span class=\"S3D98 S27D S2\" id=\"t2q_177\">(27,949) </span><span class=\"S3D99 S27D S2\" id=\"t2r_177\">31,908 </span><span class=\"S3D9A S27D S2\" id=\"t2s_177\">(24,379) </span><span class=\"S3D9B S27D S2\" id=\"t2t_177\">13,151 </span><span class=\"S3D9C S27D S2\" id=\"t2u_177\">18,757 </span><span class=\"S3D9D S27D S2\" id=\"t2v_177\">(11,228) </span><span class=\"S3D9E SB S2\" id=\"t5_178\">48.3.  Types of hedge accounting </span><span class=\"S3D9F SA7 S2\" id=\"t6_178\">Interest rate risk management is centralized at the Group. Interest rate risk exposures in major currencies are </span><span class=\"S3DA0 SA7 S2\" id=\"t7_178\">managed at OTP Headquarter on a consolidated level. Although risk exposures in local currencies are managed at </span><span class=\"S3DA1 SA7 S2\" id=\"t8_178\">subsidiary level, the respective decisions are subject to Headquarter ALCO approval. Interest rate risk is measured </span><span class=\"S3DA2 SA7 S2\" id=\"t9_178\">by simulating NII and EVE under different stress and plan scenarios, the established risk limits are described in </span><span class=\"S3DA3 S5B9 S2\" id=\"ta_178\">\u201eOTP Bank\u2019s Group</span><span class=\"S3DA4 SA7 S2\" id=\"tb_178\">-Level Regulations on the Management of Liquidity Risk and Interest Rate Risk of Banking </span><span class=\"S24F9 S5B9 S2\" id=\"tc_178\">Book\u201d. The interest rate risk management activity aims to stabilize NII within the approved risk </span><span class=\"S3DA5 SA7 S2\" id=\"td_178\">limits </span><span class=\"S3DA6 SA7 S2\" id=\"te_178\">The risk management objective of these hedge relationships is to mitigate the risk of clean fair value (i.e. excluding </span><span class=\"S5C4 SA7 S2\" id=\"tf_178\">accrued interest) change of MIRS loans due to the change of interest rate reference indices (BUBOR, EURIBOR, </span><span class=\"S3DA7 SA7 S2\" id=\"tg_178\">LIBOR, etc.) of the respective currency. </span><span class=\"S3DA8 SA7 S2\" id=\"th_178\">The ineffective part of fair value hedge accounting is presented on Interest income / Interest expense in the </span><span class=\"S18B5 SA7 S2\" id=\"ti_178\">Consolidated Statement of Profit or Loss. </span><span class=\"S3B80 SB S2\" id=\"t5_179\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_179\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_179\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_179\">\u2013 </span><span class=\"S3DAD SB S2\" id=\"t9_179\">hedging instruments as at 31 December 2022 (in fx million) </span><span class=\"S3DAE S27D S2\" id=\"ta_179\">Type of hedge </span><span class=\"S3DAF S27D S2\" id=\"tb_179\">Type of risk </span><span class=\"S3DB0 S27D S2\" id=\"tc_179\">Type of instrument </span><span class=\"S3DB1 S27D S2\" id=\"td_179\">Within one </span><span class=\"S3DB2 S27D S2\" id=\"te_179\">month </span><span class=\"S3DB3 S27D S2\" id=\"tf_179\">Within three </span><span class=\"S3DB4 S27D S2\" id=\"tg_179\">months and </span><span class=\"S3DB5 S27D S2\" id=\"th_179\">over one </span><span class=\"S3DB6 S27D S2\" id=\"ti_179\">month </span><span class=\"S3DB7 S27D S2\" id=\"tj_179\">Within one </span><span class=\"S3DB8 S27D S2\" id=\"tk_179\">year and over </span><span class=\"S3DB9 S27D S2\" id=\"tl_179\">three months </span><span class=\"S3DBA S27D S2\" id=\"tm_179\">Within five </span><span class=\"S3DBB S27D S2\" id=\"tn_179\">years and </span><span class=\"S3DBC S27D S2\" id=\"to_179\">over one year </span><span class=\"S3DBD S27D S2\" id=\"tp_179\">More than </span><span class=\"S3DBE S27D S2\" id=\"tq_179\">five years </span><span class=\"S3DBF S27D S2\" id=\"tr_179\">Total </span><span class=\"S3DC0 S27D S2\" id=\"ts_179\">Fair Value </span><span class=\"S3DC1 S27D S2\" id=\"tt_179\">Hedge </span><span class=\"S3DC2 S27D S2\" id=\"tu_179\">Interest rate </span><span class=\"S3DC3 S27D S2\" id=\"tv_179\">risk </span><span class=\"S3DC4 S27D S2\" id=\"tw_179\">Interest rate swap </span><span class=\"S3DC5 S27E S2\" id=\"tx_179\">HUF </span><span class=\"S3DC6 S27E S2\" id=\"ty_179\">Notional </span><span class=\"S3DC7 S27E S2\" id=\"tz_179\">- </span><span class=\"S3DC8 S27E S2\" id=\"t10_179\">- </span><span class=\"S3DC9 S27E S2\" id=\"t11_179\">- </span><span class=\"S3DCA S27E S2\" id=\"t12_179\">(64,875) </span><span class=\"S3DCB S27E S2\" id=\"t13_179\">30,300 </span><span class=\"S3DCC S27D S2\" id=\"t14_179\">(34,575) </span><span class=\"S3DCD S27E S2\" id=\"t15_179\">Average Interest Rate (%) </span><span class=\"S3DCE S27E S2\" id=\"t16_179\">- </span><span class=\"S3DCF S27E S2\" id=\"t17_179\">- </span><span class=\"S3DD0 S27E S2\" id=\"t18_179\">- </span><span class=\"S3DD1 S27E S2\" id=\"t19_179\">7.15% </span><span class=\"S3DD2 S27E S2\" id=\"t1a_179\">1.40% </span><span class=\"S3DD3 S27E S2\" id=\"t1b_179\">EUR </span><span class=\"S3DD4 S27E S2\" id=\"t1c_179\">Notional </span><span class=\"S3DD5 S27E S2\" id=\"t1d_179\">- </span><span class=\"S3DD6 S27E S2\" id=\"t1e_179\">- </span><span class=\"S3DD7 S27E S2\" id=\"t1f_179\">101 </span><span class=\"S3DD8 S27E S2\" id=\"t1g_179\">10 </span><span class=\"S3DD9 S27E S2\" id=\"t1h_179\">50 </span><span class=\"S3DDA S27D S2\" id=\"t1i_179\">161 </span><span class=\"S3DDB S27E S2\" id=\"t1j_179\">Average Interest Rate (%) </span><span class=\"S3DDC S27E S2\" id=\"t1k_179\">- </span><span class=\"S3DDD S27E S2\" id=\"t1l_179\">- </span><span class=\"S3DDE S27E S2\" id=\"t1m_179\">0.24% </span><span class=\"S3DDF S27E S2\" id=\"t1n_179\">0.22% </span><span class=\"S3DE0 S27E S2\" id=\"t1o_179\">0.05% </span><span class=\"S3DE1 S27E S2\" id=\"t1p_179\">USD </span><span class=\"S3DE2 S27E S2\" id=\"t1q_179\">Notional </span><span class=\"S3DE3 S27E S2\" id=\"t1r_179\">- </span><span class=\"S3DE4 S27E S2\" id=\"t1s_179\">90 </span><span class=\"S3DE5 S27E S2\" id=\"t1t_179\">- </span><span class=\"S3DE6 S27E S2\" id=\"t1u_179\">29 </span><span class=\"S3DE7 S27E S2\" id=\"t1v_179\">47 </span><span class=\"S3DE8 S27D S2\" id=\"t1w_179\">166 </span><span class=\"S3DE9 S27E S2\" id=\"t1x_179\">Average Interest Rate (%) </span><span class=\"S3DEA S27E S2\" id=\"t1y_179\">- </span><span class=\"S3DEB S27E S2\" id=\"t1z_179\">2.60% </span><span class=\"S3DEC S27E S2\" id=\"t20_179\">- </span><span class=\"S3DED S27E S2\" id=\"t21_179\">2.35% </span><span class=\"S3DEE S27E S2\" id=\"t22_179\">4.18% </span><span class=\"S3DEF S27E S2\" id=\"t23_179\">JPY </span><span class=\"S3DF0 S27E S2\" id=\"t24_179\">Notional </span><span class=\"S3DF1 S27E S2\" id=\"t25_179\">- </span><span class=\"S3DF2 S27E S2\" id=\"t26_179\">- </span><span class=\"S3DF3 S27E S2\" id=\"t27_179\">- </span><span class=\"S3DF4 S27E S2\" id=\"t28_179\">4,500 </span><span class=\"S3DF5 S27E S2\" id=\"t29_179\">- </span><span class=\"S3DF6 S27D S2\" id=\"t2a_179\">4,500 </span><span class=\"S3DF7 S27E S2\" id=\"t2b_179\">Average Interest Rate (%) </span><span class=\"S3DF8 S27E S2\" id=\"t2c_179\">- </span><span class=\"S3DF9 S27E S2\" id=\"t2d_179\">- </span><span class=\"S3DFA S27E S2\" id=\"t2e_179\">- </span><span class=\"S3DFB S27E S2\" id=\"t2f_179\">0.22% </span><span class=\"S3DFC S27E S2\" id=\"t2g_179\">- </span><span class=\"S3DFD S27D S2\" id=\"t2h_179\">Fair Value </span><span class=\"S3DFE S27D S2\" id=\"t2i_179\">Hedge </span><span class=\"S3DFF S27D S2\" id=\"t2j_179\">Foreign </span><span class=\"S3E00 S27D S2\" id=\"t2k_179\">exchange &amp; </span><span class=\"S3E01 S27D S2\" id=\"t2l_179\">Interest rate </span><span class=\"S3E02 S27D S2\" id=\"t2m_179\">risk </span><span class=\"S3E03 S27D S2\" id=\"t2n_179\">Cross currency interest rate </span><span class=\"S3E04 S27D S2\" id=\"t2o_179\">swap </span><span class=\"S3E05 S27E S2\" id=\"t2p_179\">EUR/HUF </span><span class=\"S3E06 S27E S2\" id=\"t2q_179\">Notional </span><span class=\"S3E07 S27E S2\" id=\"t2r_179\">- </span><span class=\"S3E08 S27E S2\" id=\"t2s_179\">1 </span><span class=\"S3E09 S27E S2\" id=\"t2t_179\">2 </span><span class=\"S3E0A S27E S2\" id=\"t2u_179\">10 </span><span class=\"S3E0B S27E S2\" id=\"t2v_179\">11 </span><span class=\"S3E0C S27D S2\" id=\"t2w_179\">24 </span><span class=\"S3E0D S27E S2\" id=\"t2x_179\">Average Interest Rate (%) </span><span class=\"S3E0E S27E S2\" id=\"t2y_179\">(1.64%) </span><span class=\"S3E0F S27E S2\" id=\"t2z_179\">(1.68%) </span><span class=\"S3E10 S27E S2\" id=\"t30_179\">(1.68%) </span><span class=\"S3E11 S27E S2\" id=\"t31_179\">(1.71%) </span><span class=\"S3E12 S27E S2\" id=\"t32_179\">(1.82%) </span><span class=\"S3E13 S27E S2\" id=\"t33_179\">Average FX Rate </span><span class=\"S3E14 S27E S2\" id=\"t34_179\">310.41 </span><span class=\"S3E15 S27E S2\" id=\"t35_179\">310.17 </span><span class=\"S3E16 S27E S2\" id=\"t36_179\">310.20 </span><span class=\"S3E17 S27E S2\" id=\"t37_179\">309.74 </span><span class=\"S3E18 S27E S2\" id=\"t38_179\">307.71 </span><span class=\"S3B80 SB S2\" id=\"t5_180\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_180\">Types of hedge accounting [continued] </span><span class=\"S3E19 SB S2\" id=\"t7_180\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_180\">\u2013 </span><span class=\"S3E1A SB S2\" id=\"t9_180\">hedging instruments as at 31 December 2022 (in fx million) [continued] </span><span class=\"S3E1B S27D S2\" id=\"ta_180\">Type of hedge </span><span class=\"S3E1C S27D S2\" id=\"tb_180\">Type of risk </span><span class=\"S3E1D S27D S2\" id=\"tc_180\">Type of instrument </span><span class=\"S3E1E S27D S2\" id=\"td_180\">Within one </span><span class=\"S3E1F S27D S2\" id=\"te_180\">month </span><span class=\"S3E20 S27D S2\" id=\"tf_180\">Within three </span><span class=\"S3E21 S27D S2\" id=\"tg_180\">months and </span><span class=\"S3E22 S27D S2\" id=\"th_180\">over one </span><span class=\"S3E23 S27D S2\" id=\"ti_180\">month </span><span class=\"S3E24 S27D S2\" id=\"tj_180\">Within one </span><span class=\"S3E25 S27D S2\" id=\"tk_180\">year and over </span><span class=\"S3E26 S27D S2\" id=\"tl_180\">three months </span><span class=\"S3E27 S27D S2\" id=\"tm_180\">Within five </span><span class=\"S3E28 S27D S2\" id=\"tn_180\">years and </span><span class=\"S3E29 S27D S2\" id=\"to_180\">over one year </span><span class=\"S3E2A S27D S2\" id=\"tp_180\">More than </span><span class=\"S3E2B S27D S2\" id=\"tq_180\">five years </span><span class=\"S3E2C S27D S2\" id=\"tr_180\">Total </span><span class=\"S3E2D S27D S2\" id=\"ts_180\">Fair Value </span><span class=\"S3E2E S27D S2\" id=\"tt_180\">Hedge </span><span class=\"S3E2F S27D S2\" id=\"tu_180\">Foreign </span><span class=\"S3E30 S27D S2\" id=\"tv_180\">exchange risk </span><span class=\"S3E31 S27D S2\" id=\"tw_180\">Cross currency interest rate </span><span class=\"S3E32 S27D S2\" id=\"tx_180\">swap </span><span class=\"S3E33 S27E S2\" id=\"ty_180\">EUR/HUF </span><span class=\"S3E34 S27E S2\" id=\"tz_180\">Notional </span><span class=\"S3E35 S27E S2\" id=\"t10_180\">- </span><span class=\"S3E36 S27E S2\" id=\"t11_180\">(10) </span><span class=\"S3E37 S27E S2\" id=\"t12_180\">125 </span><span class=\"S3E38 S27E S2\" id=\"t13_180\">878 </span><span class=\"S3E39 S27E S2\" id=\"t14_180\">- </span><span class=\"S3E3A S27D S2\" id=\"t15_180\">993 </span><span class=\"S3E3B S27E S2\" id=\"t16_180\">Average FX Rate </span><span class=\"S3E3C S27E S2\" id=\"t17_180\">363.88 </span><span class=\"S3E3D S27E S2\" id=\"t18_180\">407.57 </span><span class=\"S3E3E S27E S2\" id=\"t19_180\">362.11 </span><span class=\"S3E3F S27E S2\" id=\"t1a_180\">373.88 </span><span class=\"S3E40 S27E S2\" id=\"t1b_180\">- </span><span class=\"S3E41 S27E S2\" id=\"t1c_180\">RON/HUF </span><span class=\"S3E42 S27E S2\" id=\"t1d_180\">Notional </span><span class=\"S3E43 S27E S2\" id=\"t1e_180\">- </span><span class=\"S3E44 S27E S2\" id=\"t1f_180\">- </span><span class=\"S3E45 S27E S2\" id=\"t1g_180\">400 </span><span class=\"S3E46 S27E S2\" id=\"t1h_180\">3,121 </span><span class=\"S3E47 S27E S2\" id=\"t1i_180\">- </span><span class=\"S3E48 S27D S2\" id=\"t1j_180\">3,521 </span><span class=\"S3E49 S27E S2\" id=\"t1k_180\">Average FX Rate </span><span class=\"S3E4A S27E S2\" id=\"t1l_180\">- </span><span class=\"S3E4B S27E S2\" id=\"t1m_180\">- </span><span class=\"S3E4C S27E S2\" id=\"t1n_180\">72.92 </span><span class=\"S3E4D S27E S2\" id=\"t1o_180\">75.08 </span><span class=\"S3E4E S27E S2\" id=\"t1p_180\">- </span><span class=\"S3E4F S27E S2\" id=\"t1q_180\">JPY/HUF </span><span class=\"S3E50 S27E S2\" id=\"t1r_180\">Notional </span><span class=\"S3E51 S27E S2\" id=\"t1s_180\">- </span><span class=\"S3E52 S27E S2\" id=\"t1t_180\">- </span><span class=\"S3E53 S27E S2\" id=\"t1u_180\">- </span><span class=\"S3E54 S27E S2\" id=\"t1v_180\">4,500 </span><span class=\"S3E55 S27E S2\" id=\"t1w_180\">- </span><span class=\"S3E56 S27D S2\" id=\"t1x_180\">4,500 </span><span class=\"S3E57 S27E S2\" id=\"t1y_180\">Average FX Rate </span><span class=\"S3E58 S27E S2\" id=\"t1z_180\">- </span><span class=\"S3E59 S27E S2\" id=\"t20_180\">- </span><span class=\"S3E5A S27E S2\" id=\"t21_180\">- </span><span class=\"S3E5B S27E S2\" id=\"t22_180\">2.79 </span><span class=\"S3E5C S27E S2\" id=\"t23_180\">- </span><span class=\"S3E5D S27E S2\" id=\"t24_180\">USD/HUF </span><span class=\"S3E5E S27E S2\" id=\"t25_180\">Notional </span><span class=\"S3E5F S27E S2\" id=\"t26_180\">- </span><span class=\"S3E60 S27E S2\" id=\"t27_180\">(7) </span><span class=\"S3E61 S27E S2\" id=\"t28_180\">144 </span><span class=\"S3E62 S27E S2\" id=\"t29_180\">146 </span><span class=\"S3E63 S27E S2\" id=\"t2a_180\">- </span><span class=\"S3E64 S27D S2\" id=\"t2b_180\">283 </span><span class=\"S3E65 S27E S2\" id=\"t2c_180\">Average FX Rate </span><span class=\"S3E66 S27E S2\" id=\"t2d_180\">- </span><span class=\"S3E67 S27E S2\" id=\"t2e_180\">323.77 </span><span class=\"S3E68 S27E S2\" id=\"t2f_180\">323.77 </span><span class=\"S3E69 S27E S2\" id=\"t2g_180\">323.77 </span><span class=\"S3E6A S27E S2\" id=\"t2h_180\">- </span><span class=\"S3B80 SB S2\" id=\"t5_181\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_181\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_181\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_181\">\u2013 </span><span class=\"S3E6B SB S2\" id=\"t9_181\">hedging instruments as at 31 December 2021 (in fx million) </span><span class=\"S3E6C S27D S2\" id=\"ta_181\">Type of hedge </span><span class=\"S3E6D S27D S2\" id=\"tb_181\">Type of risk </span><span class=\"S3E6E S27D S2\" id=\"tc_181\">Type of instrument </span><span class=\"S3E6F S27D S2\" id=\"td_181\">Within one </span><span class=\"S3E70 S27D S2\" id=\"te_181\">month </span><span class=\"S3E71 S27D S2\" id=\"tf_181\">Within three </span><span class=\"S3E72 S27D S2\" id=\"tg_181\">months and </span><span class=\"S3E73 S27D S2\" id=\"th_181\">over one </span><span class=\"S3E74 S27D S2\" id=\"ti_181\">month </span><span class=\"S3E75 S27D S2\" id=\"tj_181\">Within one </span><span class=\"S3E76 S27D S2\" id=\"tk_181\">year and over </span><span class=\"S3E77 S27D S2\" id=\"tl_181\">three months </span><span class=\"S3E78 S27D S2\" id=\"tm_181\">Within five </span><span class=\"S3E79 S27D S2\" id=\"tn_181\">years and </span><span class=\"S3E7A S27D S2\" id=\"to_181\">over one year </span><span class=\"S3E7B S27D S2\" id=\"tp_181\">More than </span><span class=\"S3E7C S27D S2\" id=\"tq_181\">five years </span><span class=\"S3E7D S27D S2\" id=\"tr_181\">Total </span><span class=\"S3E7E S27D S2\" id=\"ts_181\">Fair Value </span><span class=\"S3E7F S27D S2\" id=\"tt_181\">Hedge </span><span class=\"S3E80 S27D S2\" id=\"tu_181\">Interest rate </span><span class=\"S3E81 S27D S2\" id=\"tv_181\">risk </span><span class=\"S3E82 S27D S2\" id=\"tw_181\">Interest rate swap </span><span class=\"S3E83 S27E S2\" id=\"tx_181\">HUF </span><span class=\"S3E84 S27E S2\" id=\"ty_181\">Notional </span><span class=\"S3E85 S27E S2\" id=\"tz_181\">- </span><span class=\"S3E86 S27E S2\" id=\"t10_181\">2,000 </span><span class=\"S3E87 S27E S2\" id=\"t11_181\">900 </span><span class=\"S3E88 S27E S2\" id=\"t12_181\">(52,474) </span><span class=\"S3E89 S27E S2\" id=\"t13_181\">42,950 </span><span class=\"S3E8A S27D S2\" id=\"t14_181\">(6,624) </span><span class=\"S3E8B S27E S2\" id=\"t15_181\">Average Interest Rate (%) </span><span class=\"S3E8C S27E S2\" id=\"t16_181\">- </span><span class=\"S3E8D S27E S2\" id=\"t17_181\">1.09% </span><span class=\"S3E8E S27E S2\" id=\"t18_181\">0.49% </span><span class=\"S3E8F S27E S2\" id=\"t19_181\">1.65% </span><span class=\"S3E90 S27E S2\" id=\"t1a_181\">1.31% </span><span class=\"S3E91 S27E S2\" id=\"t1b_181\">EUR </span><span class=\"S3E92 S27E S2\" id=\"t1c_181\">Notional </span><span class=\"S3E93 S27E S2\" id=\"t1d_181\">- </span><span class=\"S3E94 S27E S2\" id=\"t1e_181\">- </span><span class=\"S3E95 S27E S2\" id=\"t1f_181\">1 </span><span class=\"S3E96 S27E S2\" id=\"t1g_181\">111 </span><span class=\"S3E97 S27E S2\" id=\"t1h_181\">50 </span><span class=\"S3E98 S27D S2\" id=\"t1i_181\">162 </span><span class=\"S3E99 S27E S2\" id=\"t1j_181\">Average Interest Rate (%) </span><span class=\"S3E9A S27E S2\" id=\"t1k_181\">- </span><span class=\"S3E9B S27E S2\" id=\"t1l_181\">- </span><span class=\"S3E9C S27E S2\" id=\"t1m_181\">0.23% </span><span class=\"S3E9D S27E S2\" id=\"t1n_181\">0.24% </span><span class=\"S3E9E S27E S2\" id=\"t1o_181\">0.05% </span><span class=\"S3E9F S27E S2\" id=\"t1p_181\">USD </span><span class=\"S3EA0 S27E S2\" id=\"t1q_181\">Notional </span><span class=\"S3EA1 S27E S2\" id=\"t1r_181\">- </span><span class=\"S3EA2 S27E S2\" id=\"t1s_181\">- </span><span class=\"S3EA3 S27E S2\" id=\"t1t_181\">- </span><span class=\"S3EA4 S27E S2\" id=\"t1u_181\">119 </span><span class=\"S3EA5 S27E S2\" id=\"t1v_181\">47 </span><span class=\"S3EA6 S27D S2\" id=\"t1w_181\">166 </span><span class=\"S3EA7 S27E S2\" id=\"t1x_181\">Average Interest Rate (%) </span><span class=\"S3EA8 S27E S2\" id=\"t1y_181\">- </span><span class=\"S3EA9 S27E S2\" id=\"t1z_181\">- </span><span class=\"S3EAA S27E S2\" id=\"t20_181\">- </span><span class=\"S3EAB S27E S2\" id=\"t21_181\">2.54% </span><span class=\"S3EAC S27E S2\" id=\"t22_181\">4.18% </span><span class=\"S3EAD S27E S2\" id=\"t23_181\">JPY </span><span class=\"S3EAE S27E S2\" id=\"t24_181\">Notional </span><span class=\"S3EAF S27E S2\" id=\"t25_181\">- </span><span class=\"S3EB0 S27E S2\" id=\"t26_181\">- </span><span class=\"S3EB1 S27E S2\" id=\"t27_181\">- </span><span class=\"S3EB2 S27E S2\" id=\"t28_181\">4,500 </span><span class=\"S3EB3 S27E S2\" id=\"t29_181\">- </span><span class=\"S3EB4 S27D S2\" id=\"t2a_181\">4,500 </span><span class=\"S3EB5 S27E S2\" id=\"t2b_181\">Average Interest Rate (%) </span><span class=\"S3EB6 S27E S2\" id=\"t2c_181\">- </span><span class=\"S3EB7 S27E S2\" id=\"t2d_181\">- </span><span class=\"S3EB8 S27E S2\" id=\"t2e_181\">- </span><span class=\"S3EB9 S27E S2\" id=\"t2f_181\">0.22% </span><span class=\"S3EBA S27E S2\" id=\"t2g_181\">- </span><span class=\"S3EBB S27D S2\" id=\"t2h_181\">Fair Value </span><span class=\"S3EBC S27D S2\" id=\"t2i_181\">Hedge </span><span class=\"S3EBD S27D S2\" id=\"t2j_181\">Foreign </span><span class=\"S3EBE S27D S2\" id=\"t2k_181\">exchange &amp; </span><span class=\"S3EBF S27D S2\" id=\"t2l_181\">Interest rate </span><span class=\"S3EC0 S27D S2\" id=\"t2m_181\">risk </span><span class=\"S3EC1 S27D S2\" id=\"t2n_181\">Cross currency interest rate </span><span class=\"S3EC2 S27D S2\" id=\"t2o_181\">swap </span><span class=\"S3EC3 S27E S2\" id=\"t2p_181\">EUR/HUF </span><span class=\"S3EC4 S27E S2\" id=\"t2q_181\">Notional </span><span class=\"S3EC5 S27E S2\" id=\"t2r_181\">- </span><span class=\"S3EC6 S27E S2\" id=\"t2s_181\">1 </span><span class=\"S3EC7 S27E S2\" id=\"t2t_181\">2 </span><span class=\"S3EC8 S27E S2\" id=\"t2u_181\">12 </span><span class=\"S3EC9 S27E S2\" id=\"t2v_181\">12 </span><span class=\"S3ECA S27D S2\" id=\"t2w_181\">27 </span><span class=\"S3ECB S27E S2\" id=\"t2x_181\">Average Interest Rate (%) </span><span class=\"S3ECC S27E S2\" id=\"t2y_181\">(1.64)% </span><span class=\"S3ECD S27E S2\" id=\"t2z_181\">(1.68)% </span><span class=\"S3ECE S27E S2\" id=\"t30_181\">(1.67)% </span><span class=\"S3ECF S27E S2\" id=\"t31_181\">(1.69)% </span><span class=\"S3ED0 S27E S2\" id=\"t32_181\">(1.82)% </span><span class=\"S3ED1 S27E S2\" id=\"t33_181\">Average FX Rate </span><span class=\"S3ED2 S27E S2\" id=\"t34_181\">310.41 </span><span class=\"S3ED3 S27E S2\" id=\"t35_181\">310.29 </span><span class=\"S3ED4 S27E S2\" id=\"t36_181\">310.26 </span><span class=\"S3ED5 S27E S2\" id=\"t37_181\">310.01 </span><span class=\"S3ED6 S27E S2\" id=\"t38_181\">307.81 </span><span class=\"S3B80 SB S2\" id=\"t5_182\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_182\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_182\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_182\">\u2013 </span><span class=\"S3E1A SB S2\" id=\"t9_182\">hedging instruments as at 31 December 2021 (in fx million) [continued] </span><span class=\"S3E6C S27D S2\" id=\"ta_182\">Type of hedge </span><span class=\"S3E6D S27D S2\" id=\"tb_182\">Type of risk </span><span class=\"S3E6E S27D S2\" id=\"tc_182\">Type of instrument </span><span class=\"S3E6F S27D S2\" id=\"td_182\">Within one </span><span class=\"S3E70 S27D S2\" id=\"te_182\">month </span><span class=\"S3E71 S27D S2\" id=\"tf_182\">Within three </span><span class=\"S3E72 S27D S2\" id=\"tg_182\">months and </span><span class=\"S3E73 S27D S2\" id=\"th_182\">over one </span><span class=\"S3E74 S27D S2\" id=\"ti_182\">month </span><span class=\"S3E75 S27D S2\" id=\"tj_182\">Within one </span><span class=\"S3E76 S27D S2\" id=\"tk_182\">year and over </span><span class=\"S3E77 S27D S2\" id=\"tl_182\">three months </span><span class=\"S3E78 S27D S2\" id=\"tm_182\">Within five </span><span class=\"S3E79 S27D S2\" id=\"tn_182\">years and </span><span class=\"S3E7A S27D S2\" id=\"to_182\">over one year </span><span class=\"S3E7B S27D S2\" id=\"tp_182\">More than </span><span class=\"S3E7C S27D S2\" id=\"tq_182\">five years </span><span class=\"S3E7D S27D S2\" id=\"tr_182\">Total </span><span class=\"S3E7E S27D S2\" id=\"ts_182\">Fair Value </span><span class=\"S3E7F S27D S2\" id=\"tt_182\">Hedge </span><span class=\"S3ED7 S27D S2\" id=\"tu_182\">Foreign </span><span class=\"S3ED8 S27D S2\" id=\"tv_182\">exchange risk </span><span class=\"S3ED9 S27D S2\" id=\"tw_182\">Cross currency interest rate </span><span class=\"S3EDA S27D S2\" id=\"tx_182\">swap </span><span class=\"S3EDB S27E S2\" id=\"ty_182\">EUR/HUF </span><span class=\"S3E84 S27E S2\" id=\"tz_182\">Notional </span><span class=\"S3E85 S27E S2\" id=\"t10_182\">- </span><span class=\"S3EDC S27E S2\" id=\"t11_182\">(6) </span><span class=\"S3EDD S27E S2\" id=\"t12_182\">35 </span><span class=\"S3EDE S27E S2\" id=\"t13_182\">572 </span><span class=\"S3EDF S27E S2\" id=\"t14_182\">- </span><span class=\"S3EE0 S27D S2\" id=\"t15_182\">601 </span><span class=\"S3EE1 S27E S2\" id=\"t16_182\">Average FX Rate </span><span class=\"S3EE2 S27E S2\" id=\"t17_182\">363.88 </span><span class=\"S3EE3 S27E S2\" id=\"t18_182\">354.22 </span><span class=\"S3EE4 S27E S2\" id=\"t19_182\">356.94 </span><span class=\"S3EE5 S27E S2\" id=\"t1a_182\">355.93 </span><span class=\"S3EE6 S27E S2\" id=\"t1b_182\">- </span><span class=\"S3EE7 S27E S2\" id=\"t1c_182\">RON/HUF </span><span class=\"S3E92 S27E S2\" id=\"t1d_182\">Notional </span><span class=\"S3E93 S27E S2\" id=\"t1e_182\">- </span><span class=\"S3E94 S27E S2\" id=\"t1f_182\">- </span><span class=\"S3EE8 S27E S2\" id=\"t1g_182\">200 </span><span class=\"S3EE9 S27E S2\" id=\"t1h_182\">2,225 </span><span class=\"S3EEA S27E S2\" id=\"t1i_182\">- </span><span class=\"S3EEB S27D S2\" id=\"t1j_182\">2,425 </span><span class=\"S3EEC S27E S2\" id=\"t1k_182\">Average FX Rate </span><span class=\"S3E9A S27E S2\" id=\"t1l_182\">- </span><span class=\"S3E9B S27E S2\" id=\"t1m_182\">- </span><span class=\"S3EED S27E S2\" id=\"t1n_182\">66.21 </span><span class=\"S3EEE S27E S2\" id=\"t1o_182\">73.08 </span><span class=\"S3EEF S27E S2\" id=\"t1p_182\">- </span><span class=\"S3EF0 S27E S2\" id=\"t1q_182\">RUB/HUF </span><span class=\"S3EA0 S27E S2\" id=\"t1r_182\">Notional </span><span class=\"S3EA1 S27E S2\" id=\"t1s_182\">- </span><span class=\"S3EA2 S27E S2\" id=\"t1t_182\">- </span><span class=\"S3EA3 S27E S2\" id=\"t1u_182\">- </span><span class=\"S3EF1 S27E S2\" id=\"t1v_182\">11,200 </span><span class=\"S3EF2 S27E S2\" id=\"t1w_182\">- </span><span class=\"S3EF3 S27D S2\" id=\"t1x_182\">11,200 </span><span class=\"S3EF4 S27E S2\" id=\"t1y_182\">Average FX Rate </span><span class=\"S3EA8 S27E S2\" id=\"t1z_182\">- </span><span class=\"S3EA9 S27E S2\" id=\"t20_182\">- </span><span class=\"S3EAA S27E S2\" id=\"t21_182\">- </span><span class=\"S3EF5 S27E S2\" id=\"t22_182\">4.15 </span><span class=\"S3EF6 S27E S2\" id=\"t23_182\">- </span><span class=\"S3EF7 S27E S2\" id=\"t24_182\">JPY/HUF </span><span class=\"S3EAE S27E S2\" id=\"t25_182\">Notional </span><span class=\"S3EAF S27E S2\" id=\"t26_182\">- </span><span class=\"S3EB0 S27E S2\" id=\"t27_182\">- </span><span class=\"S3EB1 S27E S2\" id=\"t28_182\">- </span><span class=\"S3EB2 S27E S2\" id=\"t29_182\">4,500 </span><span class=\"S3EB3 S27E S2\" id=\"t2a_182\">- </span><span class=\"S3EB4 S27D S2\" id=\"t2b_182\">4,500 </span><span class=\"S3EF8 S27E S2\" id=\"t2c_182\">Average FX Rate </span><span class=\"S3EB6 S27E S2\" id=\"t2d_182\">- </span><span class=\"S3EB7 S27E S2\" id=\"t2e_182\">- </span><span class=\"S3EB8 S27E S2\" id=\"t2f_182\">- </span><span class=\"S3EF9 S27E S2\" id=\"t2g_182\">2.79 </span><span class=\"S3EBA S27E S2\" id=\"t2h_182\">- </span><span class=\"S3EFA S27E S2\" id=\"t2i_182\">USD/HUF </span><span class=\"S3EFB S27E S2\" id=\"t2j_182\">Notional </span><span class=\"S3EFC S27E S2\" id=\"t2k_182\">- </span><span class=\"S3EFD S27E S2\" id=\"t2l_182\">- </span><span class=\"S3EFE S27E S2\" id=\"t2m_182\">(3) </span><span class=\"S3EFF S27E S2\" id=\"t2n_182\">306 </span><span class=\"S3F00 S27E S2\" id=\"t2o_182\">- </span><span class=\"S3F01 S27D S2\" id=\"t2p_182\">303 </span><span class=\"S3F02 S27E S2\" id=\"t2q_182\">Average FX Rate </span><span class=\"S3F03 S27E S2\" id=\"t2r_182\">- </span><span class=\"S3F04 S27E S2\" id=\"t2s_182\">323.77 </span><span class=\"S3F05 S27E S2\" id=\"t2t_182\">323.77 </span><span class=\"S3F06 S27E S2\" id=\"t2u_182\">323.77 </span><span class=\"S3F07 S27E S2\" id=\"t2v_182\">- </span><span class=\"S3F08 S27D S2\" id=\"t2w_182\">Other </span><span class=\"S3F09 S27D S2\" id=\"t2x_182\">Interest rate swap </span><span class=\"S3F0A S27E S2\" id=\"t2y_182\">HUF </span><span class=\"S3F0B S27E S2\" id=\"t2z_182\">Notional </span><span class=\"S3F0C S27E S2\" id=\"t30_182\">- </span><span class=\"S3F0D S27E S2\" id=\"t31_182\">3,345 </span><span class=\"S3F0E S27E S2\" id=\"t32_182\">1,823 </span><span class=\"S3F0F S27E S2\" id=\"t33_182\">3,093 </span><span class=\"S3F10 S27E S2\" id=\"t34_182\">- </span><span class=\"S3F11 S27D S2\" id=\"t35_182\">8,261 </span><span class=\"S3B80 SB S2\" id=\"t5_183\">48.3. </span><span class=\"S3F12 SB S2\" id=\"t6_183\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_183\">As at 31 December 2022 is as follows: </span><span class=\"S3F14 S27D S2\" id=\"t8_183\">Type of </span><span class=\"S3F15 S27D S2\" id=\"t9_183\">hedge </span><span class=\"S3F16 S27D S2\" id=\"ta_183\">Type of </span><span class=\"S3F17 S27D S2\" id=\"tb_183\">instrument </span><span class=\"S3F18 S27D S2\" id=\"tc_183\">Type of </span><span class=\"S3F19 S27D S2\" id=\"td_183\">risk </span><span class=\"S3F1A S27D S2\" id=\"te_183\">Nominal amount </span><span class=\"S3F1B S27D S2\" id=\"tf_183\">of the hedging </span><span class=\"S3F1C S27D S2\" id=\"tg_183\">instrument </span><span class=\"S3F1D S27D S2\" id=\"th_183\">Carrying amount of the hedging instrument as at 31 </span><span class=\"S3F1E S27D S2\" id=\"ti_183\">December 2022 </span><span class=\"S3F1F S27D S2\" id=\"tj_183\">Line item in the consolidated </span><span class=\"S3F20 S27D S2\" id=\"tk_183\">statement of financial position </span><span class=\"S3F21 S27D S2\" id=\"tl_183\">where the hedging instrument </span><span class=\"S3F22 S27D S2\" id=\"tm_183\">is located </span><span class=\"S3F23 S27D S2\" id=\"tn_183\">Changes in fair value </span><span class=\"S3F24 S27D S2\" id=\"to_183\">used for calculating </span><span class=\"S3F25 S27D S2\" id=\"tp_183\">hedge ineffectiveness </span><span class=\"S3F26 S27D S2\" id=\"tq_183\">for the six-month </span><span class=\"S3F27 S27D S2\" id=\"tr_183\">period ended as at 31 </span><span class=\"S3F28 S27D S2\" id=\"ts_183\">December 2022 </span><span class=\"S3F29 S27D S2\" id=\"tt_183\">Before netting </span><span class=\"S3F2A S27D S2\" id=\"tu_183\">Netting </span><span class=\"S3F2B S27D S2\" id=\"tv_183\">After netting </span><span class=\"S3F2C S27D S2\" id=\"tw_183\">Assets </span><span class=\"S3F2D S27D S2\" id=\"tx_183\">Liabilities </span><span class=\"S3F2E S27D S2\" id=\"ty_183\">Assets </span><span class=\"S3F2F S27D S2\" id=\"tz_183\">Liabilities </span><span class=\"S3F30 S27D S2\" id=\"t10_183\">Fair value </span><span class=\"S3F31 S27D S2\" id=\"t11_183\">hedge </span><span class=\"S3F32 S27E S2\" id=\"t12_183\">IRS </span><span class=\"S3F33 S27E S2\" id=\"t13_183\">Interest </span><span class=\"S3F34 S27E S2\" id=\"t14_183\">rate risk </span><span class=\"S3F35 S27E S2\" id=\"t15_183\">444,627 </span><span class=\"S3F36 S27E S2\" id=\"t16_183\">56,636 </span><span class=\"S3F37 S27E S2\" id=\"t17_183\">(37,258) </span><span class=\"S3F38 S27E S2\" id=\"t18_183\">30,938 </span><span class=\"S3F39 S27E S2\" id=\"t19_183\">25,698 </span><span class=\"S3F3A S27E S2\" id=\"t1a_183\">(6,320) </span><span class=\"S3F3B S27E S2\" id=\"t1b_183\">Derivative financial instruments </span><span class=\"S3F3C S27E S2\" id=\"t1c_183\">12,873 </span><span class=\"S3F3D S27E S2\" id=\"t1d_183\">designated as hedge </span><span class=\"S3F3E S27E S2\" id=\"t1e_183\">accounting </span><span class=\"S3F3F S27E S2\" id=\"t1f_183\">CCIRS </span><span class=\"S3F40 S27E S2\" id=\"t1g_183\">FX &amp; </span><span class=\"S3F41 S27E S2\" id=\"t1h_183\">IR risk </span><span class=\"S3F42 S27E S2\" id=\"t1i_183\">7,292 </span><span class=\"S3F43 S27E S2\" id=\"t1j_183\">- </span><span class=\"S3F44 S27E S2\" id=\"t1k_183\">(2,679) </span><span class=\"S3F45 S27E S2\" id=\"t1l_183\">- </span><span class=\"S3F46 S27E S2\" id=\"t1m_183\">- </span><span class=\"S3F47 S27E S2\" id=\"t1n_183\">(2,679) </span><span class=\"S3F48 S27E S2\" id=\"t1o_183\">Derivative financial instruments </span><span class=\"S3F49 S27E S2\" id=\"t1p_183\">3 </span><span class=\"S3F4A S27E S2\" id=\"t1q_183\">designated as hedge </span><span class=\"S3F4B S27E S2\" id=\"t1r_183\">accounting </span><span class=\"S3F4C S27E S2\" id=\"t1s_183\">CCIRS </span><span class=\"S3F4D S27E S2\" id=\"t1t_183\">FX risk </span><span class=\"S3F4E S27E S2\" id=\"t1u_183\">813,430 </span><span class=\"S3F4F S27E S2\" id=\"t1v_183\">20,732 </span><span class=\"S3F50 S27E S2\" id=\"t1w_183\">(2,719) </span><span class=\"S3F51 S27E S2\" id=\"t1x_183\">- </span><span class=\"S3F52 S27E S2\" id=\"t1y_183\">20,732 </span><span class=\"S3F53 S27E S2\" id=\"t1z_183\">(2,719) </span><span class=\"S3F54 S27E S2\" id=\"t20_183\">Derivative financial instruments </span><span class=\"S3F55 S27E S2\" id=\"t21_183\">(6,087) </span><span class=\"S3F56 S27E S2\" id=\"t22_183\">designated as hedge </span><span class=\"S3F57 S27E S2\" id=\"t23_183\">accounting </span><span class=\"S3F58 S27E S2\" id=\"t24_183\">FX swap </span><span class=\"S3F59 S27E S2\" id=\"t25_183\">FX risk </span><span class=\"S3F5A S27E S2\" id=\"t26_183\">290,982 </span><span class=\"S3F5B S27E S2\" id=\"t27_183\">1,696 </span><span class=\"S3F5C S27E S2\" id=\"t28_183\">(16,199) </span><span class=\"S3F5D S27E S2\" id=\"t29_183\">- </span><span class=\"S3F5E S27E S2\" id=\"t2a_183\">1,696 </span><span class=\"S3F5F S27E S2\" id=\"t2b_183\">(16,199) </span><span class=\"S3F60 S27E S2\" id=\"t2c_183\">Derivative financial instruments </span><span class=\"S3F61 S27E S2\" id=\"t2d_183\">- </span><span class=\"S3F62 S27E S2\" id=\"t2e_183\">designated as hedge </span><span class=\"S3F63 S27E S2\" id=\"t2f_183\">accounting </span><span class=\"S3F64 S27E S2\" id=\"t2g_183\">IRS </span><span class=\"S3F65 S27E S2\" id=\"t2h_183\">Other </span><span class=\"S3F66 S27E S2\" id=\"t2i_183\">5,584 </span><span class=\"S3F67 S27E S2\" id=\"t2j_183\">121 </span><span class=\"S3F68 S27E S2\" id=\"t2k_183\">(32) </span><span class=\"S3F69 S27E S2\" id=\"t2l_183\">- </span><span class=\"S3F6A S27E S2\" id=\"t2m_183\">121 </span><span class=\"S3F6B S27E S2\" id=\"t2n_183\">(32) </span><span class=\"S3F6C S27E S2\" id=\"t2o_183\">Derivative financial instruments </span><span class=\"S3F6D S27E S2\" id=\"t2p_183\">1 </span><span class=\"S3F6E S27E S2\" id=\"t2q_183\">designated as hedge </span><span class=\"S3F6F S27E S2\" id=\"t2r_183\">accounting </span><span class=\"S3F70 S27D S2\" id=\"t2s_183\">Fair value hedges total </span><span class=\"S3F71 S27D S2\" id=\"t2t_183\">1,561,915 </span><span class=\"S3F72 S27D S2\" id=\"t2u_183\">79,185 </span><span class=\"S3F73 S27D S2\" id=\"t2v_183\">(58,887) </span><span class=\"S3F74 S27D S2\" id=\"t2w_183\">30,938 </span><span class=\"S3F75 S27D S2\" id=\"t2x_183\">48,247 </span><span class=\"S3F76 S27D S2\" id=\"t2y_183\">(27,949) </span><span class=\"S3F77 S27D S2\" id=\"t2z_183\">6,790 </span><span class=\"S3B80 SB S2\" id=\"t5_184\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_184\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_184\">As at 31 December 2021 is as follows: </span><span class=\"S3F14 S27D S2\" id=\"t8_184\">Type of </span><span class=\"S3F15 S27D S2\" id=\"t9_184\">hedge </span><span class=\"S3F16 S27D S2\" id=\"ta_184\">Type of </span><span class=\"S3F17 S27D S2\" id=\"tb_184\">instrument </span><span class=\"S3F18 S27D S2\" id=\"tc_184\">Type of </span><span class=\"S3F19 S27D S2\" id=\"td_184\">risk </span><span class=\"S3F1A S27D S2\" id=\"te_184\">Nominal amount </span><span class=\"S3F1B S27D S2\" id=\"tf_184\">of the hedging </span><span class=\"S3F1C S27D S2\" id=\"tg_184\">instrument </span><span class=\"S3F1D S27D S2\" id=\"th_184\">Carrying amount of the hedging instrument as at 31 </span><span class=\"S3F1E S27D S2\" id=\"ti_184\">December 2021 </span><span class=\"S3F1F S27D S2\" id=\"tj_184\">Line item in the consolidated </span><span class=\"S3F20 S27D S2\" id=\"tk_184\">statement of financial position </span><span class=\"S3F21 S27D S2\" id=\"tl_184\">where the hedging instrument </span><span class=\"S3F22 S27D S2\" id=\"tm_184\">is located </span><span class=\"S3F23 S27D S2\" id=\"tn_184\">Changes in fair value </span><span class=\"S3F24 S27D S2\" id=\"to_184\">used for calculating </span><span class=\"S3F25 S27D S2\" id=\"tp_184\">hedge ineffectiveness </span><span class=\"S3F78 S27D S2\" id=\"tq_184\">for the year ended as </span><span class=\"S3F79 S27D S2\" id=\"tr_184\">at 31 December 2021 </span><span class=\"S3F7A S27D S2\" id=\"ts_184\">Before netting </span><span class=\"S3F7B S27D S2\" id=\"tt_184\">Netting </span><span class=\"S3F7C S27D S2\" id=\"tu_184\">After netting </span><span class=\"S3F7D S27D S2\" id=\"tv_184\">Assets </span><span class=\"S3F7E S27D S2\" id=\"tw_184\">Liabilities </span><span class=\"S3F7F S27D S2\" id=\"tx_184\">Assets </span><span class=\"S3F80 S27D S2\" id=\"ty_184\">Liabilities </span><span class=\"S3F81 S27D S2\" id=\"tz_184\">Fair value </span><span class=\"S3F82 S27D S2\" id=\"t10_184\">hedge </span><span class=\"S3F83 S27E S2\" id=\"t11_184\">IRS </span><span class=\"S3F84 S27E S2\" id=\"t12_184\">Interest </span><span class=\"S3F33 S27E S2\" id=\"t13_184\">rate risk </span><span class=\"S3F85 S27E S2\" id=\"t14_184\">409,595 </span><span class=\"S3F86 S27E S2\" id=\"t15_184\">23,986 </span><span class=\"S3F87 S27E S2\" id=\"t16_184\">(17,908) </span><span class=\"S3F88 S27E S2\" id=\"t17_184\">12,131 </span><span class=\"S3F89 S27E S2\" id=\"t18_184\">11,855 </span><span class=\"S3F8A S27E S2\" id=\"t19_184\">(5,777) </span><span class=\"S3F8B S27E S2\" id=\"t1a_184\">Derivative financial instruments </span><span class=\"S3F8C S27E S2\" id=\"t1b_184\">6,494 </span><span class=\"S3F8D S27E S2\" id=\"t1c_184\">designated as hedge </span><span class=\"S3F8E S27E S2\" id=\"t1d_184\">accounting </span><span class=\"S3F8F S27E S2\" id=\"t1e_184\">CCIRS </span><span class=\"S3F90 S27E S2\" id=\"t1f_184\">FX &amp; </span><span class=\"S3F91 S27E S2\" id=\"t1g_184\">IR risk </span><span class=\"S3F92 S27E S2\" id=\"t1h_184\">8,175 </span><span class=\"SBEB S27E S2\" id=\"t1i_184\">- </span><span class=\"S3F93 S27E S2\" id=\"t1j_184\">(2,375) </span><span class=\"S3F94 S27E S2\" id=\"t1k_184\">- </span><span class=\"S3F95 S27E S2\" id=\"t1l_184\">- </span><span class=\"S3F96 S27E S2\" id=\"t1m_184\">(2,375) </span><span class=\"S3F97 S27E S2\" id=\"t1n_184\">Derivative financial instruments </span><span class=\"S3F98 S27E S2\" id=\"t1o_184\">4 </span><span class=\"S3F99 S27E S2\" id=\"t1p_184\">designated as hedge </span><span class=\"S3F9A S27E S2\" id=\"t1q_184\">accounting </span><span class=\"S3F9B S27E S2\" id=\"t1r_184\">CCIRS </span><span class=\"S3F9C S27E S2\" id=\"t1s_184\">FX risk </span><span class=\"S3F9D S27E S2\" id=\"t1t_184\">566,936 </span><span class=\"S3F9E S27E S2\" id=\"t1u_184\">5,471 </span><span class=\"S3F9F S27E S2\" id=\"t1v_184\">(3,076) </span><span class=\"S3FA0 S27E S2\" id=\"t1w_184\">- </span><span class=\"S3FA1 S27E S2\" id=\"t1x_184\">5,471 </span><span class=\"S3FA2 S27E S2\" id=\"t1y_184\">(3,076) </span><span class=\"S3FA3 S27E S2\" id=\"t1z_184\">Derivative financial instruments </span><span class=\"S3FA4 S27E S2\" id=\"t20_184\">(1,687) </span><span class=\"S3FA5 S27E S2\" id=\"t21_184\">designated as hedge </span><span class=\"S3FA6 S27E S2\" id=\"t22_184\">accounting </span><span class=\"S3FA7 S27E S2\" id=\"t23_184\">IRS </span><span class=\"S3FA8 S27E S2\" id=\"t24_184\">Other </span><span class=\"S3FA9 S27E S2\" id=\"t25_184\">8,261 </span><span class=\"S3FAA S27E S2\" id=\"t26_184\">1,431 </span><span class=\"S3FAB S27E S2\" id=\"t27_184\">- </span><span class=\"S3FAC S27E S2\" id=\"t28_184\">- </span><span class=\"S3FAD S27E S2\" id=\"t29_184\">1,431 </span><span class=\"S3FAE S27E S2\" id=\"t2a_184\">- </span><span class=\"S3FAF S27E S2\" id=\"t2b_184\">Derivative financial instruments </span><span class=\"S3FB0 S27E S2\" id=\"t2c_184\">3 </span><span class=\"S3FB1 S27E S2\" id=\"t2d_184\">designated as hedge </span><span class=\"S3FB2 S27E S2\" id=\"t2e_184\">accounting </span><span class=\"S3FB3 S27D S2\" id=\"t2f_184\">Fair value hedges total </span><span class=\"S3FB4 S27D S2\" id=\"t2g_184\">992,967 </span><span class=\"S3FB5 S27D S2\" id=\"t2h_184\">30,888 </span><span class=\"S3FB6 S27D S2\" id=\"t2i_184\">(23,359) </span><span class=\"S3FB7 S27D S2\" id=\"t2j_184\">12,131 </span><span class=\"S3FB8 S27D S2\" id=\"t2k_184\">18,757 </span><span class=\"S3FB9 S27D S2\" id=\"t2l_184\">(11,228) </span><span class=\"S3FBA S27D S2\" id=\"t2m_184\">4,814 </span><span class=\"S3FBB SB S2\" id=\"t5_185\">48.3.  Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t6_185\">As at 31 December 2022 is as follows: </span><span class=\"S3E6C S27D S2\" id=\"t7_185\">Type of hedge </span><span class=\"S3FBC S27D S2\" id=\"t8_185\">Type of risk </span><span class=\"S3FBD S27D S2\" id=\"t9_185\">Carrying amount of the </span><span class=\"S3FBE S27D S2\" id=\"ta_185\">hedged item as at 31 </span><span class=\"S3FBF S27D S2\" id=\"tb_185\">December 2022 </span><span class=\"S3FC0 S27D S2\" id=\"tc_185\">Amount of fair value hedge adjustments </span><span class=\"S3FC1 S27D S2\" id=\"td_185\">on the hedged item included in the </span><span class=\"S3FC2 S27D S2\" id=\"te_185\">carrying amount of the hedged item for </span><span class=\"S3FC3 S27D S2\" id=\"tf_185\">the year ended 31 December 2022 </span><span class=\"S3FC4 S27D S2\" id=\"tg_185\">Line item in the consolidated statement of </span><span class=\"S3FC5 S27D S2\" id=\"th_185\">financial position in which the hedged item is </span><span class=\"S3FC6 S27D S2\" id=\"ti_185\">included </span><span class=\"S3FC7 S27D S2\" id=\"tj_185\">Fair value hedges </span><span class=\"S3FC8 S27D S2\" id=\"tk_185\">Assets </span><span class=\"S3FC9 S27D S2\" id=\"tl_185\">Liabilities </span><span class=\"S3FCA S27D S2\" id=\"tm_185\">Assets </span><span class=\"S3FCB S27D S2\" id=\"tn_185\">Liabilities </span><span class=\"S3FCC S27E S2\" id=\"to_185\">- Loans </span><span class=\"S3FCD S27E S2\" id=\"tp_185\">Interest rate risk </span><span class=\"S3FCE S27E S2\" id=\"tq_185\">64,596 </span><span class=\"S3FCF S27E S2\" id=\"tr_185\">- </span><span class=\"S3FD0 S27E S2\" id=\"ts_185\">(5,033) </span><span class=\"S3FD1 S27E S2\" id=\"tt_185\">- </span><span class=\"S3FD2 S27E S2\" id=\"tu_185\">Loans </span><span class=\"S3FD3 S27E S2\" id=\"tv_185\">- Loans </span><span class=\"S3FD4 S27E S2\" id=\"tw_185\">Interest rate risk </span><span class=\"S3FD5 S27E S2\" id=\"tx_185\">- </span><span class=\"S3FD6 S27E S2\" id=\"ty_185\">143,208 </span><span class=\"S3FD7 S27E S2\" id=\"tz_185\">- </span><span class=\"S3FD8 S27E S2\" id=\"t10_185\">(34,149) </span><span class=\"S3FD9 S27E S2\" id=\"t11_185\">Amounts due to banks, the National Governments, </span><span class=\"S3FDA S27E S2\" id=\"t12_185\">deposits from the National Banks and other banks </span><span class=\"S3FDB S27E S2\" id=\"t13_185\">- Government bonds </span><span class=\"S3FDC S27E S2\" id=\"t14_185\">Interest rate risk </span><span class=\"S3FDD S27E S2\" id=\"t15_185\">14,814 </span><span class=\"S3FDE S27E S2\" id=\"t16_185\">- </span><span class=\"S3FDF S27E S2\" id=\"t17_185\">(4,601) </span><span class=\"S3FE0 S27E S2\" id=\"t18_185\">- </span><span class=\"S3FE1 S27E S2\" id=\"t19_185\">Securities at amortized cost </span><span class=\"S3FE2 S27E S2\" id=\"t1a_185\">- Government bonds </span><span class=\"S3FE3 S27E S2\" id=\"t1b_185\">Interest rate risk </span><span class=\"S3FE4 S27E S2\" id=\"t1c_185\">151,501 </span><span class=\"S3FE5 S27E S2\" id=\"t1d_185\">- </span><span class=\"S3FE6 S27E S2\" id=\"t1e_185\">(45,319) </span><span class=\"S3FE7 S27E S2\" id=\"t1f_185\">- </span><span class=\"S3FE8 S27E S2\" id=\"t1g_185\">Securities at fair value through </span><span class=\"S3FE9 S27E S2\" id=\"t1h_185\">other comprehensive income </span><span class=\"S3FEA S27E S2\" id=\"t1i_185\">- Government bonds </span><span class=\"S3FEB S27E S2\" id=\"t1j_185\">Interest rate risk </span><span class=\"S3FEC S27E S2\" id=\"t1k_185\">- </span><span class=\"S3FED S27E S2\" id=\"t1l_185\">- </span><span class=\"S3FEE S27E S2\" id=\"t1m_185\">- </span><span class=\"S3FEF S27E S2\" id=\"t1n_185\">- </span><span class=\"S3FF0 S27E S2\" id=\"t1o_185\">Financial assets at fair value </span><span class=\"S3FF1 S27E S2\" id=\"t1p_185\">through profit or loss </span><span class=\"S3FF2 S27E S2\" id=\"t1q_185\">- Other bonds </span><span class=\"S3FF3 S27E S2\" id=\"t1r_185\">Interest rate risk </span><span class=\"S3FF4 S27E S2\" id=\"t1s_185\">44,508 </span><span class=\"S3FF5 S27E S2\" id=\"t1t_185\">- </span><span class=\"S3FF6 S27E S2\" id=\"t1u_185\">(638) </span><span class=\"S3FF7 S27E S2\" id=\"t1v_185\">- </span><span class=\"S3FF8 S27E S2\" id=\"t1w_185\">Securities at fair value through </span><span class=\"S3FF9 S27E S2\" id=\"t1x_185\">other comprehensive income </span><span class=\"S3FFA S27E S2\" id=\"t1y_185\">- Other bonds </span><span class=\"S3FFB S27E S2\" id=\"t1z_185\">Interest rate risk </span><span class=\"S3FFC S27E S2\" id=\"t20_185\">- </span><span class=\"S3FFD S27E S2\" id=\"t21_185\">25,563 </span><span class=\"S3FFE S27E S2\" id=\"t22_185\">- </span><span class=\"S3FFF S27E S2\" id=\"t23_185\">448 </span><span class=\"S4000 S27E S2\" id=\"t24_185\">Liabilities from issued securities </span><span class=\"S4001 S27E S2\" id=\"t25_185\">- Loans </span><span class=\"S4002 S27E S2\" id=\"t26_185\">Foreign exchange &amp; </span><span class=\"S4003 S27E S2\" id=\"t27_185\">Interest rate risk </span><span class=\"S4004 S27E S2\" id=\"t28_185\">9,099 </span><span class=\"S4005 S27E S2\" id=\"t29_185\">- </span><span class=\"S4006 S27E S2\" id=\"t2a_185\">503 </span><span class=\"S4007 S27E S2\" id=\"t2b_185\">- </span><span class=\"S4008 S27E S2\" id=\"t2c_185\">Loans </span><span class=\"S4009 S27E S2\" id=\"t2d_185\">- Loans </span><span class=\"S400A S27E S2\" id=\"t2e_185\">Foreign exchange risk </span><span class=\"S400B S27E S2\" id=\"t2f_185\">716,841 </span><span class=\"S400C S27E S2\" id=\"t2g_185\">- </span><span class=\"S400D S27E S2\" id=\"t2h_185\">- </span><span class=\"S400E S27E S2\" id=\"t2i_185\">- </span><span class=\"S400F S27E S2\" id=\"t2j_185\">Loans </span><span class=\"S4010 S27E S2\" id=\"t2k_185\">- Government bonds </span><span class=\"S4011 S27E S2\" id=\"t2l_185\">Foreign exchange risk </span><span class=\"S4012 S27E S2\" id=\"t2m_185\">12,797 </span><span class=\"S4013 S27E S2\" id=\"t2n_185\">- </span><span class=\"S4014 S27E S2\" id=\"t2o_185\">- </span><span class=\"S4015 S27E S2\" id=\"t2p_185\">- </span><span class=\"S4016 S27E S2\" id=\"t2q_185\">Securities at fair value through </span><span class=\"S4017 S27E S2\" id=\"t2r_185\">other comprehensive income </span><span class=\"S4018 S27E S2\" id=\"t2s_185\">- Government bonds </span><span class=\"S4019 S27E S2\" id=\"t2t_185\">Foreign exchange risk </span><span class=\"S401A S27E S2\" id=\"t2u_185\">113,806 </span><span class=\"S401B S27E S2\" id=\"t2v_185\">- </span><span class=\"S401C S27E S2\" id=\"t2w_185\">- </span><span class=\"S401D S27E S2\" id=\"t2x_185\">- </span><span class=\"S401E S27E S2\" id=\"t2y_185\">Securities at amortized cost </span><span class=\"S401F S27E S2\" id=\"t2z_185\">- Other securities </span><span class=\"S4020 S27E S2\" id=\"t30_185\">Other risk </span><span class=\"S4021 S27E S2\" id=\"t31_185\">- </span><span class=\"S4022 S27E S2\" id=\"t32_185\">2,299 </span><span class=\"S4023 S27E S2\" id=\"t33_185\">- </span><span class=\"S4024 S27E S2\" id=\"t34_185\">(218) </span><span class=\"S4025 S27E S2\" id=\"t35_185\">Liabilities from issued securities </span><span class=\"S3F70 S27D S2\" id=\"t36_185\">Fair value hedges total </span><span class=\"S4026 S27D S2\" id=\"t37_185\">1,127,962 </span><span class=\"S4027 S27D S2\" id=\"t38_185\">171,070 </span><span class=\"S4028 S27D S2\" id=\"t39_185\">(55,088) </span><span class=\"S4029 S27D S2\" id=\"t3a_185\">(33,919) </span><span class=\"S3B80 SB S2\" id=\"t5_186\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_186\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_186\">As at 31 December 2021 is as follows: </span><span class=\"S3E6C S27D S2\" id=\"t8_186\">Type of hedge </span><span class=\"S3FBC S27D S2\" id=\"t9_186\">Type of risk </span><span class=\"S402A S27D S2\" id=\"ta_186\">Carrying amount of the </span><span class=\"S3FBE S27D S2\" id=\"tb_186\">hedged item as at 31 </span><span class=\"S3FBF S27D S2\" id=\"tc_186\">December 2021 </span><span class=\"S3FC0 S27D S2\" id=\"td_186\">Amount of fair value hedge adjustments </span><span class=\"S3FC1 S27D S2\" id=\"te_186\">on the hedged item included in the </span><span class=\"S402B S27D S2\" id=\"tf_186\">carrying amount of the hedged item for </span><span class=\"S3FC3 S27D S2\" id=\"tg_186\">the year ended 31 December 2021 </span><span class=\"S3FC4 S27D S2\" id=\"th_186\">Line item in the consolidated statement of </span><span class=\"S402C S27D S2\" id=\"ti_186\">financial position in which the hedged item is </span><span class=\"S3FC6 S27D S2\" id=\"tj_186\">included </span><span class=\"S3FC7 S27D S2\" id=\"tk_186\">Fair value hedges </span><span class=\"S3FC8 S27D S2\" id=\"tl_186\">Assets </span><span class=\"S3FC9 S27D S2\" id=\"tm_186\">Liabilities </span><span class=\"S3FCA S27D S2\" id=\"tn_186\">Assets </span><span class=\"S3FCB S27D S2\" id=\"to_186\">Liabilities </span><span class=\"S3FCC S27E S2\" id=\"tp_186\">- Loans </span><span class=\"S3FCD S27E S2\" id=\"tq_186\">Interest rate risk </span><span class=\"S3FCE S27E S2\" id=\"tr_186\">57,176 </span><span class=\"S3FCF S27E S2\" id=\"ts_186\">- </span><span class=\"S402D S27E S2\" id=\"tt_186\">637 </span><span class=\"S3FD1 S27E S2\" id=\"tu_186\">- </span><span class=\"S3FD2 S27E S2\" id=\"tv_186\">Loans </span><span class=\"S3FD3 S27E S2\" id=\"tw_186\">- Loans </span><span class=\"S3FD4 S27E S2\" id=\"tx_186\">Interest rate risk </span><span class=\"S3FD5 S27E S2\" id=\"ty_186\">- </span><span class=\"S3FD6 S27E S2\" id=\"tz_186\">142,649 </span><span class=\"S3FD7 S27E S2\" id=\"t10_186\">- </span><span class=\"S3FD8 S27E S2\" id=\"t11_186\">(16,858) </span><span class=\"S3FD9 S27E S2\" id=\"t12_186\">Amounts due to banks, the National Governments, </span><span class=\"S402E S27E S2\" id=\"t13_186\">deposits from the National Banks and other banks </span><span class=\"S3FDB S27E S2\" id=\"t14_186\">- Government bonds </span><span class=\"S3FDC S27E S2\" id=\"t15_186\">Interest rate risk </span><span class=\"S3FDD S27E S2\" id=\"t16_186\">13,921 </span><span class=\"S3FDE S27E S2\" id=\"t17_186\">- </span><span class=\"S402F S27E S2\" id=\"t18_186\">1,230 </span><span class=\"S3FE0 S27E S2\" id=\"t19_186\">- </span><span class=\"S3FE1 S27E S2\" id=\"t1a_186\">Securities at amortized cost </span><span class=\"S3FE2 S27E S2\" id=\"t1b_186\">- Government bonds </span><span class=\"S3FE3 S27E S2\" id=\"t1c_186\">Interest rate risk </span><span class=\"S3FE4 S27E S2\" id=\"t1d_186\">152,830 </span><span class=\"S3FE5 S27E S2\" id=\"t1e_186\">- </span><span class=\"S4030 S27E S2\" id=\"t1f_186\">22,457 </span><span class=\"S3FE7 S27E S2\" id=\"t1g_186\">- </span><span class=\"S3FE8 S27E S2\" id=\"t1h_186\">Securities at fair value through </span><span class=\"S3FE9 S27E S2\" id=\"t1i_186\">other comprehensive income </span><span class=\"S4031 S27E S2\" id=\"t1j_186\">- Other bonds </span><span class=\"S3FEB S27E S2\" id=\"t1k_186\">Interest rate risk </span><span class=\"S4032 S27E S2\" id=\"t1l_186\">42,008 </span><span class=\"S3FED S27E S2\" id=\"t1m_186\">- </span><span class=\"S4033 S27E S2\" id=\"t1n_186\">318 </span><span class=\"S3FEF S27E S2\" id=\"t1o_186\">- </span><span class=\"S4034 S27E S2\" id=\"t1p_186\">Securities at fair value through </span><span class=\"S4035 S27E S2\" id=\"t1q_186\">other comprehensive income </span><span class=\"S4036 S27E S2\" id=\"t1r_186\">- Loans </span><span class=\"S4037 S27E S2\" id=\"t1s_186\">Foreign exchange &amp; </span><span class=\"S4038 S27E S2\" id=\"t1t_186\">Interest rate risk </span><span class=\"S4039 S27E S2\" id=\"t1u_186\">101,934 </span><span class=\"S403A S27E S2\" id=\"t1v_186\">- </span><span class=\"S403B S27E S2\" id=\"t1w_186\">611 </span><span class=\"S403C S27E S2\" id=\"t1x_186\">(1,114) </span><span class=\"S403D S27E S2\" id=\"t1y_186\">Loans </span><span class=\"S403E S27E S2\" id=\"t1z_186\">- Loans </span><span class=\"S403F S27E S2\" id=\"t20_186\">Foreign exchange risk </span><span class=\"S4040 S27E S2\" id=\"t21_186\">458,312 </span><span class=\"S4041 S27E S2\" id=\"t22_186\">- </span><span class=\"S3FFE S27E S2\" id=\"t23_186\">- </span><span class=\"S4042 S27E S2\" id=\"t24_186\">- </span><span class=\"S4043 S27E S2\" id=\"t25_186\">Loans </span><span class=\"S4044 S27E S2\" id=\"t26_186\">- Government bonds </span><span class=\"S4045 S27E S2\" id=\"t27_186\">Foreign exchange risk </span><span class=\"S4046 S27E S2\" id=\"t28_186\">12,811 </span><span class=\"S4047 S27E S2\" id=\"t29_186\">- </span><span class=\"S4048 S27E S2\" id=\"t2a_186\">- </span><span class=\"S4049 S27E S2\" id=\"t2b_186\">- </span><span class=\"S404A S27E S2\" id=\"t2c_186\">Securities at fair value through </span><span class=\"S404B S27E S2\" id=\"t2d_186\">other comprehensive income </span><span class=\"S404C S27E S2\" id=\"t2e_186\">- Government bonds </span><span class=\"S404D S27E S2\" id=\"t2f_186\">Foreign exchange risk </span><span class=\"S404E S27E S2\" id=\"t2g_186\">98,668 </span><span class=\"S400C S27E S2\" id=\"t2h_186\">- </span><span class=\"S400D S27E S2\" id=\"t2i_186\">- </span><span class=\"S400E S27E S2\" id=\"t2j_186\">- </span><span class=\"S404F S27E S2\" id=\"t2k_186\">Securities at amortized cost </span><span class=\"S4050 S27E S2\" id=\"t2l_186\">- Other securities </span><span class=\"S4051 S27E S2\" id=\"t2m_186\">Other risk </span><span class=\"S4052 S27E S2\" id=\"t2n_186\">- </span><span class=\"S4053 S27E S2\" id=\"t2o_186\">8,261 </span><span class=\"S4014 S27E S2\" id=\"t2p_186\">- </span><span class=\"S4054 S27E S2\" id=\"t2q_186\">(161) </span><span class=\"S4055 S27E S2\" id=\"t2r_186\">Liabilities from issued securities </span><span class=\"S4056 S27D S2\" id=\"t2s_186\">Fair value hedges total </span><span class=\"S4057 S27D S2\" id=\"t2t_186\">937,660 </span><span class=\"S4058 S27D S2\" id=\"t2u_186\">150,910 </span><span class=\"S4059 S27D S2\" id=\"t2v_186\">25,253 </span><span class=\"S405A S27D S2\" id=\"t2w_186\">(18,133) </span><span class=\"S3B80 SB S2\" id=\"t5_187\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_187\">Types of hedge accounting [continued] </span><span class=\"S405B SA7 S2\" id=\"t7_187\">Change in basis swap spread recognised in the consolidated other comprehensive income related fair value hedges as follows: </span><span class=\"S405C S27D S2\" id=\"t8_187\">Type of risk </span><span class=\"S405D S27D S2\" id=\"t9_187\">Carrying amount of the hedged item </span><span class=\"S405E S27D S2\" id=\"ta_187\">Items recognized in the </span><span class=\"S405F S27D S2\" id=\"tb_187\">consolidated other comprehensive </span><span class=\"S4060 S27D S2\" id=\"tc_187\">income for the year ended 31 </span><span class=\"S4061 S27D S2\" id=\"td_187\">December 2022 </span><span class=\"S4062 S27D S2\" id=\"te_187\">Change in the items recognized in </span><span class=\"S4063 S27D S2\" id=\"tf_187\">other comprehensive income for </span><span class=\"S4064 S27D S2\" id=\"tg_187\">the year ended 31 December 2022 </span><span class=\"S4065 S27D S2\" id=\"th_187\">Line item in the consolidated </span><span class=\"S4066 S27D S2\" id=\"ti_187\">statement of financial position in </span><span class=\"S4067 S27D S2\" id=\"tj_187\">which the hedged item is included </span><span class=\"S4068 S27D S2\" id=\"tk_187\">Assets </span><span class=\"S4069 S27D S2\" id=\"tl_187\">Liabilities </span><span class=\"S406A S27E S2\" id=\"tm_187\">FX risk </span><span class=\"S406B S27E S2\" id=\"tn_187\">716,841 </span><span class=\"S406C S27E S2\" id=\"to_187\">- </span><span class=\"S406D S27E S2\" id=\"tp_187\">(363) </span><span class=\"S406E S27E S2\" id=\"tq_187\">605 </span><span class=\"S406F S27E S2\" id=\"tr_187\">Loans at amortised cost </span><span class=\"S4070 S27E S2\" id=\"ts_187\">FX risk </span><span class=\"S4071 S27E S2\" id=\"tt_187\">12,797 </span><span class=\"S4072 S27E S2\" id=\"tu_187\">- </span><span class=\"S4073 S27E S2\" id=\"tv_187\">(52) </span><span class=\"S4074 S27E S2\" id=\"tw_187\">- </span><span class=\"S4075 S27E S2\" id=\"tx_187\">Securities at fair value through </span><span class=\"S4076 S27E S2\" id=\"ty_187\">other comprehensive income </span><span class=\"S4077 S27D S2\" id=\"tz_187\">Total </span><span class=\"S4078 S27D S2\" id=\"t10_187\">729,638 </span><span class=\"S4079 S27D S2\" id=\"t11_187\">- </span><span class=\"S407A S27D S2\" id=\"t12_187\">(415) </span><span class=\"S407B S27D S2\" id=\"t13_187\">605 </span><span class=\"S407C S27D S2\" id=\"t14_187\">Type of risk </span><span class=\"S407D S27D S2\" id=\"t15_187\">Carrying amount of the hedged item </span><span class=\"S407E S27D S2\" id=\"t16_187\">Items recognised in the </span><span class=\"S407F S27D S2\" id=\"t17_187\">consolidated other comprehensive </span><span class=\"S4080 S27D S2\" id=\"t18_187\">income for the </span><span class=\"S4081 S27D S2\" id=\"t19_187\">year 2021 </span><span class=\"S4082 S27D S2\" id=\"t1a_187\">Change in the items recognized in </span><span class=\"S4083 S27D S2\" id=\"t1b_187\">other comprehensive income for </span><span class=\"S4084 S27D S2\" id=\"t1c_187\">the year 2021 </span><span class=\"S4085 S27D S2\" id=\"t1d_187\">Line item in the consolidated </span><span class=\"S4086 S27D S2\" id=\"t1e_187\">statement of financial position in </span><span class=\"S4087 S27D S2\" id=\"t1f_187\">which the hedged item is included </span><span class=\"S4088 S27D S2\" id=\"t1g_187\">Assets </span><span class=\"S4089 S27D S2\" id=\"t1h_187\">Liabilities </span><span class=\"S408A S27E S2\" id=\"t1i_187\">FX risk </span><span class=\"S408B S27E S2\" id=\"t1j_187\">458,312 </span><span class=\"S408C S27E S2\" id=\"t1k_187\">- </span><span class=\"S408D S27E S2\" id=\"t1l_187\">(1,032) </span><span class=\"S408E S27E S2\" id=\"t1m_187\">(1,681) </span><span class=\"S408F S27E S2\" id=\"t1n_187\">Loans at amortised cost </span><span class=\"S4090 S27E S2\" id=\"t1o_187\">FX risk </span><span class=\"S4091 S27E S2\" id=\"t1p_187\">12,811 </span><span class=\"S4092 S27E S2\" id=\"t1q_187\">- </span><span class=\"S4093 S27E S2\" id=\"t1r_187\">64 </span><span class=\"S4094 S27E S2\" id=\"t1s_187\">- </span><span class=\"S4095 S27E S2\" id=\"t1t_187\">Securities at fair value through </span><span class=\"S4096 S27E S2\" id=\"t1u_187\">other comprehensive income </span><span class=\"S4097 S27D S2\" id=\"t1v_187\">Total </span><span class=\"S4098 S27D S2\" id=\"t1w_187\">471,123 </span><span class=\"S4099 S27D S2\" id=\"t1x_187\">- </span><span class=\"S409A S27D S2\" id=\"t1y_187\">(968) </span><span class=\"S409B S27D S2\" id=\"t1z_187\">(1,681) </span><span class=\"S409C S5B9 S2\" id=\"t20_187\">On Group level there weren\u2019t any cash</span><span class=\"S409D SA7 S2\" id=\"t21_187\">-flow hedges for the year ended as at 31 December 2022 and 2021. </span><span class=\"S409E SA7 S2\" id=\"t22_187\">Neither at the end of 31 December 2022 nor at the end of 31 December 2021 regarding net investment hedges for foreign subsidi </span><span class=\"S409F S5B9 S2\" id=\"t23_187\">aries there aren\u2019t any disclosure requirements </span><span class=\"S40A0 SA7 S2\" id=\"t24_187\">to be presented. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f5779": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_60\">NOTE 11: </span><span class=\"S100D SB S2\" id=\"t4_60\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) </span><span class=\"S100E SB S2\" id=\"t5_60\">Loans at amortized cost </span><span class=\"SD71 SB S2\" id=\"t6_60\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_60\">2021 </span><span class=\"S100F SA7 S2\" id=\"t8_60\">Within one year </span><span class=\"S1010 SA7 S2\" id=\"t9_60\">In HUF </span><span class=\"S1011 SA7 S2\" id=\"ta_60\">1,422,663 </span><span class=\"S1012 SA7 S2\" id=\"tb_60\">1,243,635 </span><span class=\"S1013 SA7 S2\" id=\"tc_60\">In foreign currency </span><span class=\"S1014 SA7 S2\" id=\"td_60\">3,672,023 </span><span class=\"S1015 SA7 S2\" id=\"te_60\">2,901,682 </span><span class=\"S1016 SB S2\" id=\"tf_60\">5,094,686 </span><span class=\"S1017 SB S2\" id=\"tg_60\">4,145,317 </span><span class=\"S1018 SA7 S2\" id=\"th_60\">Over one year </span><span class=\"S1019 SA7 S2\" id=\"ti_60\">In HUF </span><span class=\"S101A SA7 S2\" id=\"tj_60\">2,425,793 </span><span class=\"S101B SA7 S2\" id=\"tk_60\">2,359,485 </span><span class=\"S101C SA7 S2\" id=\"tl_60\">In foreign currency </span><span class=\"S101D SA7 S2\" id=\"tm_60\">9,540,339 </span><span class=\"S101E SA7 S2\" id=\"tn_60\">7,840,375 </span><span class=\"S101F SB S2\" id=\"to_60\">11,966,132 </span><span class=\"S1020 SB S2\" id=\"tp_60\">10,199,860 </span><span class=\"S1021 SB S2\" id=\"tq_60\">17,060,818 </span><span class=\"S1022 SB S2\" id=\"tr_60\">14,345,177 </span><span class=\"S1023 SA7 S2\" id=\"ts_60\">Loss allowance on loans </span><span class=\"S1024 SA7 S2\" id=\"tt_60\">(966,360) </span><span class=\"S1025 SA7 S2\" id=\"tu_60\">(851,994) </span><span class=\"S1026 SB S2\" id=\"tv_60\">Total </span><span class=\"S1027 SB S2\" id=\"tw_60\">16,094,458 </span><span class=\"S1028 SB S2\" id=\"tx_60\">13,493,183 </span><span class=\"S1029 SA7 S2\" id=\"ty_60\">An analysis of the gross loan portfolio at amortized cost by currency (%): </span><span class=\"S102A SB S2\" id=\"tz_60\">2022 </span><span class=\"S102B SB S2\" id=\"t10_60\">2021 </span><span class=\"S102C SA7 S2\" id=\"t11_60\">In HUF </span><span class=\"S102D SA7 S2\" id=\"t12_60\">22.56% </span><span class=\"S102E SA7 S2\" id=\"t13_60\">25.12% </span><span class=\"S102F SA7 S2\" id=\"t14_60\">In foreign currency </span><span class=\"S1030 SA7 S2\" id=\"t15_60\">77.44% </span><span class=\"S1031 SA7 S2\" id=\"t16_60\">74.88% </span><span class=\"S1032 SB S2\" id=\"t17_60\">Total </span><span class=\"S1033 SB S2\" id=\"t18_60\">100.00% </span><span class=\"S1034 SB S2\" id=\"t19_60\">100.00% </span><span class=\"S1035 SA7 S2\" id=\"t1a_60\">Interest rates of the loan portfolio at amortized cost are as follows: </span><span class=\"S1036 SB S2\" id=\"t1b_60\">2022 </span><span class=\"S1037 SB S2\" id=\"t1c_60\">2021 </span><span class=\"S1038 SA7 S2\" id=\"t1d_60\">Loans at amortized cost denominated in HUF </span><span class=\"S1039 SE8B S2\" id=\"t1e_60\">1 </span><span class=\"S103A SA7 S2\" id=\"t1f_60\">0.00% - 43.70% </span><span class=\"S103B SA7 S2\" id=\"t1g_60\">0.00% - 52.00% </span><span class=\"S103C SA7 S2\" id=\"t1h_60\">Loans at amortized cost denominated in foreign currency </span><span class=\"S103D SE8B S2\" id=\"t1i_60\">2 </span><span class=\"S103E SA7 S2\" id=\"t1j_60\">(0.10)% - 90.00% </span><span class=\"S103F SA7 S2\" id=\"t1k_60\">(0.59)% - 90.00% </span><span class=\"S1040 S482 S2\" id=\"t1l_60\">1 </span><span class=\"S1041 S483 S2\" id=\"t1m_60\">The highest interest rate relates to HUF loan is overdraft loan, both in the current and in the previous years. </span><span class=\"S1042 S482 S2\" id=\"t1n_60\">2 </span><span class=\"S1043 S483 S2\" id=\"t1o_60\">The highest interest rate relates to loan in foreign currency regarding POS services in Russia both in the current and in the previous years. </span><span class=\"S1044 SB S2\" id=\"t1p_60\">2022 </span><span class=\"S1045 SB S2\" id=\"t1q_60\">2021 </span><span class=\"S1046 SA7 S2\" id=\"t1r_60\">Average interest rates on loans at amortized cost </span><span class=\"S1047 SA7 S2\" id=\"t1s_60\">denominated in HUF (%) </span><span class=\"S1048 SA7 S2\" id=\"t1t_60\">8.65% </span><span class=\"S1049 SA7 S2\" id=\"t1u_60\">6.23% </span><span class=\"S104A SA7 S2\" id=\"t1v_60\">Average interest rates on loans at amortized cost </span><span class=\"S104B SA7 S2\" id=\"t1w_60\">denominated in foreign currency (%) </span><span class=\"S104C SA7 S2\" id=\"t1x_60\">5.47% </span><span class=\"S104D SA7 S2\" id=\"t1y_60\">4.79% </span><span class=\"S104E SA7 S2\" id=\"t1z_60\">The amount of those loans which were written-off in the current year but they are still subject to enforcement </span><span class=\"S104F SA7 S2\" id=\"t20_60\">activity to be collected is still going on were HUF 117,357 million and HUF 104,940 million as at 31 December </span><span class=\"S1050 SA7 S2\" id=\"t21_60\">2022 and 2021, respectively. </span><span class=\"SFA4 SB S2\" id=\"t3_61\">NOTE 11: </span><span class=\"S1051 SB S2\" id=\"t4_61\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) [continued] </span><span class=\"S1052 SA7 S2\" id=\"t5_61\">An analysis of the change in the loss allowance on loans is as follows: </span><span class=\"S1053 SB S2\" id=\"t6_61\">2022 </span><span class=\"S1054 SB S2\" id=\"t7_61\">2021 </span><span class=\"S1055 SB S2\" id=\"t8_61\">Balance as at 1 January </span><span class=\"S1056 SB S2\" id=\"t9_61\">851,994 </span><span class=\"S1057 SB S2\" id=\"ta_61\">829,543 </span><span class=\"S1058 SA7 S2\" id=\"tb_61\">Opening change due to modification </span><span class=\"S1059 SA7 S2\" id=\"tc_61\">- </span><span class=\"S105A SA7 S2\" id=\"td_61\">(1,281) </span><span class=\"S105B SB S2\" id=\"te_61\">Balance as at 1 January after modification </span><span class=\"S105C SB S2\" id=\"tf_61\">851,994 </span><span class=\"S105D SB S2\" id=\"tg_61\">828,262 </span><span class=\"S105E SF33 S2\" id=\"th_61\">Loss allowance for the period </span><span class=\"S105F SF33 S2\" id=\"ti_61\">676,389 </span><span class=\"S1060 SF33 S2\" id=\"tj_61\">546,284 </span><span class=\"S1061 SF33 S2\" id=\"tk_61\">Release of loss allowance </span><span class=\"S1062 SF33 S2\" id=\"tl_61\">(469,929) </span><span class=\"S1063 SF33 S2\" id=\"tm_61\">(464,888) </span><span class=\"S1064 SA7 S2\" id=\"tn_61\">Loss allowance in the current period </span><span class=\"S1065 SA7 S2\" id=\"to_61\">206,460 </span><span class=\"S1066 SA7 S2\" id=\"tp_61\">81,396 </span><span class=\"S1067 SA7 S2\" id=\"tq_61\">from this: effect of change in parameters </span><span class=\"S1068 SA7 S2\" id=\"tr_61\">used for loss allowance calculation </span><span class=\"S1069 SA7 S2\" id=\"ts_61\">10,276 </span><span class=\"S106A SA7 S2\" id=\"tt_61\">(60,531) </span><span class=\"S106B SA7 S2\" id=\"tu_61\">Use of loss allowance </span><span class=\"S106C SA7 S2\" id=\"tv_61\">(92,004) </span><span class=\"S106D SA7 S2\" id=\"tw_61\">(66,784) </span><span class=\"S106E SA7 S2\" id=\"tx_61\">Partial write-off </span><span class=\"S106F SE8B S2\" id=\"ty_61\">1 </span><span class=\"S1070 SA7 S2\" id=\"tz_61\">(67,651) </span><span class=\"S1071 SA7 S2\" id=\"t10_61\">(17,936) </span><span class=\"S1072 SA7 S2\" id=\"t11_61\">Unwinding </span><span class=\"S1073 SA7 S2\" id=\"t12_61\">- </span><span class=\"S1074 SA7 S2\" id=\"t13_61\">345 </span><span class=\"S1075 SA7 S2\" id=\"t14_61\">Foreign currency translation difference </span><span class=\"S1076 SA7 S2\" id=\"t15_61\">67,561 </span><span class=\"S1077 SA7 S2\" id=\"t16_61\">26,711 </span><span class=\"S1078 SB S2\" id=\"t17_61\">Closing balance </span><span class=\"S1079 SB S2\" id=\"t18_61\">966,360 </span><span class=\"S107A SB S2\" id=\"t19_61\">851,994 </span><span class=\"S107B S482 S2\" id=\"t1a_61\">1 </span><span class=\"S107C S483 S2\" id=\"t1b_61\">See details in Note 2.11. </span><span class=\"S107D SA7 S2\" id=\"t1c_61\">Movement in loss allowance on loans and placements is summarized as below: </span><span class=\"S107E SB S2\" id=\"t1d_61\">2022 </span><span class=\"S107F SB S2\" id=\"t1e_61\">2021 </span><span class=\"S1080 SA7 S2\" id=\"t1f_61\">Loss allowance on placements and </span><span class=\"S1081 SA7 S2\" id=\"t1g_61\">gains from write-off and sale of placements </span><span class=\"S1082 SA7 S2\" id=\"t1h_61\">(39) </span><span class=\"S1083 SA7 S2\" id=\"t1i_61\">1,664 </span><span class=\"S1084 SA7 S2\" id=\"t1j_61\">Loss allowance on loans and gains from write-off </span><span class=\"S1085 SA7 S2\" id=\"t1k_61\">and sale of loans </span><span class=\"S1086 SA7 S2\" id=\"t1l_61\">114,163 </span><span class=\"S1087 SA7 S2\" id=\"t1m_61\">34,776 </span><span class=\"S1088 SB S2\" id=\"t1n_61\">Total </span><span class=\"S1089 S10A6 S2\" id=\"t1o_61\">2 </span><span class=\"S108A SB S2\" id=\"t1p_61\">114,124 </span><span class=\"S108B SB S2\" id=\"t1q_61\">36,440 </span><span class=\"S108C S482 S2\" id=\"t1r_61\">2 </span><span class=\"S108D S483 S2\" id=\"t1s_61\">See details in Note 31. </span><span class=\"S108E SB S2\" id=\"t1t_61\">Loans mandatorily at fair value through profit or loss </span><span class=\"S108F SB S2\" id=\"t1u_61\">2022 </span><span class=\"S1090 SB S2\" id=\"t1v_61\">2021 </span><span class=\"S1091 SA7 S2\" id=\"t1w_61\">Within one year </span><span class=\"S1092 SA7 S2\" id=\"t1x_61\">In HUF </span><span class=\"S1093 SA7 S2\" id=\"t1y_61\">70,883 </span><span class=\"S1094 SA7 S2\" id=\"t1z_61\">61,537 </span><span class=\"S1095 SA7 S2\" id=\"t20_61\">In foreign currency </span><span class=\"S1096 SA7 S2\" id=\"t21_61\">- </span><span class=\"S1097 SA7 S2\" id=\"t22_61\">- </span><span class=\"S1098 SB S2\" id=\"t23_61\">70,883 </span><span class=\"S1099 SB S2\" id=\"t24_61\">61,537 </span><span class=\"S109A SA7 S2\" id=\"t25_61\">Over one year </span><span class=\"S109B SA7 S2\" id=\"t26_61\">In HUF </span><span class=\"S109C SA7 S2\" id=\"t27_61\">1,176,531 </span><span class=\"S109D SA7 S2\" id=\"t28_61\">1,006,293 </span><span class=\"S109E SA7 S2\" id=\"t29_61\">In foreign currency </span><span class=\"S109F SA7 S2\" id=\"t2a_61\">- </span><span class=\"S10A0 SA7 S2\" id=\"t2b_61\">281 </span><span class=\"S10A1 SB S2\" id=\"t2c_61\">1,176,531 </span><span class=\"S10A2 SB S2\" id=\"t2d_61\">1,006,574 </span><span class=\"S10A3 SB S2\" id=\"t2e_61\">Total </span><span class=\"S10A4 SB S2\" id=\"t2f_61\">1,247,414 </span><span class=\"S10A5 SB S2\" id=\"t2g_61\">1,068,111 </span><span class=\"SFA4 SB S2\" id=\"t3_62\">NOTE 11: </span><span class=\"S10A7 SB S2\" id=\"t4_62\">LOANS AT AMORTIZED COST AND AT FAIR VALUE (in HUF mn) [continued] </span><span class=\"S10A8 SA7 S2\" id=\"t5_62\">An analysis of the loan portfolio mandatorily at fair value through profit or loss by currency (%): </span><span class=\"S10A9 SB S2\" id=\"t6_62\">2022 </span><span class=\"S10AA SB S2\" id=\"t7_62\">2021 </span><span class=\"S10AB SA7 S2\" id=\"t8_62\">In HUF </span><span class=\"S10AC SA7 S2\" id=\"t9_62\">100.00% </span><span class=\"S10AD SA7 S2\" id=\"ta_62\">99.17% </span><span class=\"S10AE SA7 S2\" id=\"tb_62\">In foreign currency </span><span class=\"S10AF SA7 S2\" id=\"tc_62\">0.00% </span><span class=\"S10B0 SA7 S2\" id=\"td_62\">0.83% </span><span class=\"S10B1 SB S2\" id=\"te_62\">Total </span><span class=\"S10B2 SB S2\" id=\"tf_62\">100.00% </span><span class=\"S10B3 SB S2\" id=\"tg_62\">100.00% </span><span class=\"S10B4 SA7 S2\" id=\"th_62\">Interest rates of the loan portfolio mandatorily at fair value through profit or loss are as follows (%): </span><span class=\"S10B5 SB S2\" id=\"ti_62\">2022 </span><span class=\"S10B6 SB S2\" id=\"tj_62\">2021 </span><span class=\"S10B7 SA7 S2\" id=\"tk_62\">Interest rates on loans denominated </span><span class=\"S10B8 SA7 S2\" id=\"tl_62\">in HUF </span><span class=\"S10B9 SA7 S2\" id=\"tm_62\">1.12% - 18.26% </span><span class=\"S10BA SA7 S2\" id=\"tn_62\">1.21% - 10.83% </span><span class=\"S10BB SA7 S2\" id=\"to_62\">Interest rates on loans denominated </span><span class=\"S10BC SA7 S2\" id=\"tp_62\">in foreign currency </span><span class=\"S10BD SA7 S2\" id=\"tq_62\">- </span><span class=\"S10BE SA7 S2\" id=\"tr_62\">4.00% - 4.00% </span><span class=\"SEA7 SB S2\" id=\"ts_62\">2022 </span><span class=\"SEA8 SB S2\" id=\"tt_62\">2021 </span><span class=\"S10BF SA7 S2\" id=\"tu_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C0 SA7 S2\" id=\"tv_62\">profit or loss denominated in HUF (%) </span><span class=\"S10C1 SA7 S2\" id=\"tw_62\">4.55% </span><span class=\"S10C2 SA7 S2\" id=\"tx_62\">4.17% </span><span class=\"S10C3 SA7 S2\" id=\"ty_62\">Average interest rates on loan portfolio at fair value through </span><span class=\"S10C4 SA7 S2\" id=\"tz_62\">profit or loss denominated in foreign currency (%) </span><span class=\"S10C5 SA7 S2\" id=\"t10_62\">0.04% </span><span class=\"S10C6 SA7 S2\" id=\"t11_62\">1.82% </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6003": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_63\">NOTE 12: </span><span class=\"S7A3 SB S2\" id=\"t4_63\">ASSOCIATES AND OTHER INVESTMENTS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_63\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_63\">2021 </span><span class=\"S10C7 SA7 S2\" id=\"t7_63\">Investments </span><span class=\"S10C8 SA7 S2\" id=\"t8_63\">Investments in associates (non-listed) </span><span class=\"SE32 SA7 S2\" id=\"t9_63\">29,010 </span><span class=\"SE33 SA7 S2\" id=\"ta_63\">42,409 </span><span class=\"S10C9 SA7 S2\" id=\"tb_63\">Other investments (non-listed) </span><span class=\"S10CA SA7 S2\" id=\"tc_63\">56,919 </span><span class=\"S10CB SA7 S2\" id=\"td_63\">37,327 </span><span class=\"S10CC SB S2\" id=\"te_63\">85,929 </span><span class=\"S10CD SB S2\" id=\"tf_63\">79,736 </span><span class=\"S10CE SA7 S2\" id=\"tg_63\">Impairment on investments </span><span class=\"S10CF SA7 S2\" id=\"th_63\">(12,080) </span><span class=\"S10D0 SA7 S2\" id=\"ti_63\">(12,514) </span><span class=\"S10D1 SB S2\" id=\"tj_63\">Total </span><span class=\"SEED SB S2\" id=\"tk_63\">73,849 </span><span class=\"SEEE SB S2\" id=\"tl_63\">67,222 </span><span class=\"S10D2 SA7 S2\" id=\"tm_63\">An analysis of the change in the impairment on investments is as follows: </span><span class=\"S10D3 SB S2\" id=\"tn_63\">2022 </span><span class=\"S10D4 SB S2\" id=\"to_63\">2021 </span><span class=\"S10D5 SB S2\" id=\"tp_63\">Balance as at 1 January </span><span class=\"S10D6 SB S2\" id=\"tq_63\">12,514 </span><span class=\"S10D7 SB S2\" id=\"tr_63\">5,864 </span><span class=\"S10D8 SA7 S2\" id=\"ts_63\">Impairment for the period </span><span class=\"S10D9 SA7 S2\" id=\"tt_63\">1,312 </span><span class=\"S10DA SA7 S2\" id=\"tu_63\">7,266 </span><span class=\"S10DB SA7 S2\" id=\"tv_63\">Release of impairment for the period </span><span class=\"S10DC SA7 S2\" id=\"tw_63\">(411) </span><span class=\"S10DD SA7 S2\" id=\"tx_63\">(626) </span><span class=\"S10DE SA7 S2\" id=\"ty_63\">Modification due to merge </span><span class=\"S10DF SA7 S2\" id=\"tz_63\">(1,238) </span><span class=\"S10E0 SA7 S2\" id=\"t10_63\">28 </span><span class=\"S10E1 SA7 S2\" id=\"t11_63\">Use of impairment </span><span class=\"S10E2 SA7 S2\" id=\"t12_63\">- </span><span class=\"S10E3 SA7 S2\" id=\"t13_63\">- </span><span class=\"S10E4 SA7 S2\" id=\"t14_63\">Foreign currency translation difference </span><span class=\"S10E5 SA7 S2\" id=\"t15_63\">(97) </span><span class=\"S10E6 SA7 S2\" id=\"t16_63\">(18) </span><span class=\"S10E7 SB S2\" id=\"t17_63\">Closing balance </span><span class=\"S10E8 SB S2\" id=\"t18_63\">12,080 </span><span class=\"S10E9 SB S2\" id=\"t19_63\">12,514 </span><span class=\"S1123 SB S2\" id=\"t3_164\">NOTE 43: </span><span class=\"S38B0 SB S2\" id=\"t4_164\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S38B1 SB S2\" id=\"t5_164\">Significant subsidiaries </span><span class=\"S38B2 SB S2\" id=\"t6_164\">Name </span><span class=\"S38B3 SB S2\" id=\"t7_164\">Ownership (Direct and </span><span class=\"S38B4 SB S2\" id=\"t8_164\">Indirect) </span><span class=\"S38B5 SB S2\" id=\"t9_164\">Activity </span><span class=\"S38B6 SB S2\" id=\"ta_164\">2022 </span><span class=\"S38B7 SB S2\" id=\"tb_164\">2021 </span><span class=\"S38B8 SA7 S2\" id=\"tc_164\">DSK Bank AD (Bulgaria) </span><span class=\"S38B9 SA7 S2\" id=\"td_164\">99.92% </span><span class=\"S38BA SA7 S2\" id=\"te_164\">99.91% </span><span class=\"S38BB SA7 S2\" id=\"tf_164\">commercial banking services </span><span class=\"S38BC SA7 S2\" id=\"tg_164\">OTP Bank JSC (Ukraine) </span><span class=\"S38BD SA7 S2\" id=\"th_164\">100.00% </span><span class=\"S38BE SA7 S2\" id=\"ti_164\">100.00% </span><span class=\"S38BF SA7 S2\" id=\"tj_164\">commercial banking services </span><span class=\"S38C0 S5B9 S2\" id=\"tk_164\">JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S38C1 SA7 S2\" id=\"tl_164\">97.92% </span><span class=\"S38C2 SA7 S2\" id=\"tm_164\">97.92% </span><span class=\"S38C3 SA7 S2\" id=\"tn_164\">commercial banking services </span><span class=\"S38C4 SA7 S2\" id=\"to_164\">OTP banka d.d. (Croatia) </span><span class=\"S38C5 SA7 S2\" id=\"tp_164\">100.00% </span><span class=\"S38C6 SA7 S2\" id=\"tq_164\">100.00% </span><span class=\"S38C7 SA7 S2\" id=\"tr_164\">commercial banking services </span><span class=\"S38C8 SA7 S2\" id=\"ts_164\">OTP Bank Romania S.A. (Romania) </span><span class=\"S38C9 SA7 S2\" id=\"tt_164\">100.00% </span><span class=\"S38CA SA7 S2\" id=\"tu_164\">100.00% </span><span class=\"S38CB SA7 S2\" id=\"tv_164\">commercial banking services </span><span class=\"S20BE SA7 S2\" id=\"tw_164\">OTP banka Srbija a.d. Novi Sad (Serbia) </span><span class=\"S38CC SA7 S2\" id=\"tx_164\">100.00% </span><span class=\"S38CD SA7 S2\" id=\"ty_164\">100.00% </span><span class=\"S38CE SA7 S2\" id=\"tz_164\">commercial banking services </span><span class=\"S38CF SA7 S2\" id=\"t10_164\">Crnogorska komercijalna banka a.d. (Montenegro) </span><span class=\"S38D0 SA7 S2\" id=\"t11_164\">100.00% </span><span class=\"S38D1 SA7 S2\" id=\"t12_164\">100.00% </span><span class=\"S38D2 SA7 S2\" id=\"t13_164\">commercial banking services </span><span class=\"S38D3 SA7 S2\" id=\"t14_164\">Banka OTP Albania SH.A. (Albania) </span><span class=\"S38D4 SA7 S2\" id=\"t15_164\">100.00% </span><span class=\"S38D5 SA7 S2\" id=\"t16_164\">100.00% </span><span class=\"S38D6 SA7 S2\" id=\"t17_164\">commercial banking services </span><span class=\"S38D7 SA7 S2\" id=\"t18_164\">OTP Bank S.A. (Moldova) </span><span class=\"S38D8 SA7 S2\" id=\"t19_164\">98.26% </span><span class=\"S38D9 SA7 S2\" id=\"t1a_164\">98.26% </span><span class=\"S38DA SA7 S2\" id=\"t1b_164\">commercial banking services </span><span class=\"S38DB SA7 S2\" id=\"t1c_164\">SKB Banka d.d. Ljubljana (Slovenia) </span><span class=\"S38DC SA7 S2\" id=\"t1d_164\">100.00% </span><span class=\"S38DD SA7 S2\" id=\"t1e_164\">100.00% </span><span class=\"S38DE SA7 S2\" id=\"t1f_164\">commercial banking services </span><span class=\"S38DF SA7 S2\" id=\"t1g_164\">OTP Financing Malta Company Ltd. (Malta) </span><span class=\"S38E0 SA7 S2\" id=\"t1h_164\">100.00% </span><span class=\"S38E1 SA7 S2\" id=\"t1i_164\">100.00% </span><span class=\"S38E2 SA7 S2\" id=\"t1j_164\">refinancing activities </span><span class=\"S38E3 SA7 S2\" id=\"t1k_164\">OTP Financing Netherlands B.V. (the Netherlands) </span><span class=\"S38E4 SA7 S2\" id=\"t1l_164\">100.00% </span><span class=\"S38E5 SA7 S2\" id=\"t1m_164\">100.00% </span><span class=\"S38E6 SA7 S2\" id=\"t1n_164\">refinancing activities </span><span class=\"S38E7 SA7 S2\" id=\"t1o_164\">OTP Holding Ltd. (Cyprus) </span><span class=\"S38E8 SA7 S2\" id=\"t1p_164\">100.00% </span><span class=\"S38E9 SA7 S2\" id=\"t1q_164\">100.00% </span><span class=\"S38EA SA7 S2\" id=\"t1r_164\">refinancing activities </span><span class=\"S38EB SA7 S2\" id=\"t1s_164\">OTP Factoring Ltd. </span><span class=\"S38EC SA7 S2\" id=\"t1t_164\">100.00% </span><span class=\"S38ED SA7 S2\" id=\"t1u_164\">100.00% </span><span class=\"S38EE SA7 S2\" id=\"t1v_164\">work-out </span><span class=\"S38EF SA7 S2\" id=\"t1w_164\">OTP Mortgage Bank Ltd. </span><span class=\"S38F0 SA7 S2\" id=\"t1x_164\">100.00% </span><span class=\"S38F1 SA7 S2\" id=\"t1y_164\">100.00% </span><span class=\"S38F2 SA7 S2\" id=\"t1z_164\">mortgage lending </span><span class=\"S38F3 SA7 S2\" id=\"t20_164\">OTP Real Estate Ltd. </span><span class=\"S38F4 SA7 S2\" id=\"t21_164\">100.00% </span><span class=\"S38F5 SA7 S2\" id=\"t22_164\">100.00% </span><span class=\"S38F6 SA7 S2\" id=\"t23_164\">real estate management and development </span><span class=\"S38F7 SA7 S2\" id=\"t24_164\">Merkantil Bank Ltd. </span><span class=\"S38F8 SA7 S2\" id=\"t25_164\">100.00% </span><span class=\"S38F9 SA7 S2\" id=\"t26_164\">100.00% </span><span class=\"S38FA SA7 S2\" id=\"t27_164\">finance lease </span><span class=\"S38FB SA7 S2\" id=\"t28_164\">OTP Building Society Ltd. </span><span class=\"S38FC SA7 S2\" id=\"t29_164\">100.00% </span><span class=\"S38FD SA7 S2\" id=\"t2a_164\">100.00% </span><span class=\"S38FE SA7 S2\" id=\"t2b_164\">housing savings and loan </span><span class=\"S38FF SA7 S2\" id=\"t2c_164\">OTP Fund Management Ltd. </span><span class=\"S3900 SA7 S2\" id=\"t2d_164\">100.00% </span><span class=\"S3901 SA7 S2\" id=\"t2e_164\">100.00% </span><span class=\"S3902 SA7 S2\" id=\"t2f_164\">fund management </span><span class=\"S3903 SA7 S2\" id=\"t2g_164\">Bank Center No. 1. Ltd. </span><span class=\"S3904 SA7 S2\" id=\"t2h_164\">100.00% </span><span class=\"S3905 SA7 S2\" id=\"t2i_164\">100.00% </span><span class=\"S3906 SA7 S2\" id=\"t2j_164\">real estate lease </span><span class=\"S3907 S5B9 S2\" id=\"t2k_164\">Inga Kett\u0151 </span><span class=\"S3908 SA7 S2\" id=\"t2l_164\">Ltd. </span><span class=\"S3909 SA7 S2\" id=\"t2m_164\">100.00% </span><span class=\"S390A SA7 S2\" id=\"t2n_164\">100.00% </span><span class=\"S390B SA7 S2\" id=\"t2o_164\">property management </span><span class=\"S390C SA7 S2\" id=\"t2p_164\">OTP Funds Servicing and Consulting Ltd. </span><span class=\"S390D SA7 S2\" id=\"t2q_164\">100.00% </span><span class=\"S390E SA7 S2\" id=\"t2r_164\">100.00% </span><span class=\"S390F SA7 S2\" id=\"t2s_164\">fund services </span><span class=\"S3910 SA7 S2\" id=\"t2t_164\">OTP Real Estate Leasing Ltd. </span><span class=\"S3911 SA7 S2\" id=\"t2u_164\">100.00% </span><span class=\"S3912 SA7 S2\" id=\"t2v_164\">100.00% </span><span class=\"S3913 SA7 S2\" id=\"t2w_164\">real estate leasing </span><span class=\"S3914 SB S2\" id=\"t3_165\">NOTE 43: </span><span class=\"S3915 SB S2\" id=\"t4_165\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S3916 SB S2\" id=\"t5_165\">Significant associates and joint ventures </span><span class=\"S3917 SA7 S2\" id=\"t6_165\">Summarized financial and non-financial information of associates which are accounted according to IAS 28 and in line with IFRS 9 as at 31 December 2022 is as follows: </span><span class=\"S3918 S27D S2\" id=\"t7_165\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t8_165\">Carrying </span><span class=\"S391A S27D S2\" id=\"t9_165\">amount </span><span class=\"S391B S27D S2\" id=\"ta_165\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tb_165\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"tc_165\">Profit after </span><span class=\"S391E S27D S2\" id=\"td_165\">tax </span><span class=\"S391F S27D S2\" id=\"te_165\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tf_165\">Activity </span><span class=\"S3921 S27E S2\" id=\"tg_165\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"th_165\">520 </span><span class=\"S3923 S27E S2\" id=\"ti_165\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tj_165\">(52) </span><span class=\"S3925 S27E S2\" id=\"tk_165\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tl_165\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tm_165\">OTP-</span><span class=\"S3928 S27F S2\" id=\"tn_165\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"to_165\">683 </span><span class=\"S392A S27E S2\" id=\"tp_165\">22.00% </span><span class=\"S392B S27E S2\" id=\"tq_165\">13 </span><span class=\"S392C S27E S2\" id=\"tr_165\">Hungary /Budapest </span><span class=\"S392D S27E S2\" id=\"ts_165\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tt_165\">D-</span><span class=\"S392F S27F S2\" id=\"tu_165\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tv_165\">- </span><span class=\"S3931 S27E S2\" id=\"tw_165\">46.99% </span><span class=\"S3932 S27E S2\" id=\"tx_165\">- </span><span class=\"S3933 S27F S2\" id=\"ty_165\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"tz_165\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t10_165\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t11_165\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t12_165\">392 </span><span class=\"S3938 S27E S2\" id=\"t13_165\">25.00% </span><span class=\"S3939 S27E S2\" id=\"t14_165\">183 </span><span class=\"S393A S27E S2\" id=\"t15_165\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t16_165\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t17_165\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t18_165\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t19_165\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1a_165\">822 </span><span class=\"S3940 S27E S2\" id=\"t1b_165\">23.54% </span><span class=\"S3941 S27E S2\" id=\"t1c_165\">(516) </span><span class=\"S3942 S27E S2\" id=\"t1d_165\">Poland / Krakow </span><span class=\"S3943 S27E S2\" id=\"t1e_165\">Computer programming activities </span><span class=\"S3944 S27E S2\" id=\"t1f_165\">NovaKid Inc. </span><span class=\"S3945 S27E S2\" id=\"t1g_165\">1,723 </span><span class=\"S3946 S27E S2\" id=\"t1h_165\">4.07% </span><span class=\"S3947 S27E S2\" id=\"t1i_165\">(5,409) </span><span class=\"S3948 S27E S2\" id=\"t1j_165\">USA / San Francisco </span><span class=\"S3949 S27E S2\" id=\"t1k_165\">Online kids English learning platform operator </span><span class=\"S394A S27E S2\" id=\"t1l_165\">Banzai Cloud Closed Co. Plc </span><span class=\"S394B S27E S2\" id=\"t1m_165\">216 </span><span class=\"S394C S27E S2\" id=\"t1n_165\">17.42% </span><span class=\"S394D S27E S2\" id=\"t1o_165\">267 </span><span class=\"S394E S27E S2\" id=\"t1p_165\">Hungary /Budapest </span><span class=\"S394F S27E S2\" id=\"t1q_165\">Computer programming activities </span><span class=\"S3950 S27E S2\" id=\"t1r_165\">ClodeCool Ltd </span><span class=\"S3951 S27E S2\" id=\"t1s_165\">1,323 </span><span class=\"S3952 S27E S2\" id=\"t1t_165\">20.15% </span><span class=\"S3953 S27E S2\" id=\"t1u_165\">1 </span><span class=\"S3954 S27E S2\" id=\"t1v_165\">Hungary /Budapest </span><span class=\"S3955 S27E S2\" id=\"t1w_165\">Other education </span><span class=\"S3956 S27E S2\" id=\"t1x_165\">Pepita.hu Closed Co. Plc </span><span class=\"S3957 S27E S2\" id=\"t1y_165\">1,323 </span><span class=\"S3958 S27E S2\" id=\"t1z_165\">40.00% </span><span class=\"S3959 S27E S2\" id=\"t20_165\">(157) </span><span class=\"S395A S27E S2\" id=\"t21_165\">Hungary / Szeghalom </span><span class=\"S395B S27E S2\" id=\"t22_165\">Retail sale via mail order houses or via Internet </span><span class=\"S395C S27E S2\" id=\"t23_165\">Seon Holdings Ltd </span><span class=\"S395D S27E S2\" id=\"t24_165\">8,689 </span><span class=\"S395E S27E S2\" id=\"t25_165\">19.26% </span><span class=\"S395F S27E S2\" id=\"t26_165\">(3) </span><span class=\"S3960 S27E S2\" id=\"t27_165\">UK / London </span><span class=\"S3961 S27E S2\" id=\"t28_165\">Computer programming activities </span><span class=\"S3962 S27E S2\" id=\"t29_165\">VCC Live Group Closed Co. Plc </span><span class=\"S3963 S27E S2\" id=\"t2a_165\">1,308 </span><span class=\"S3964 S27E S2\" id=\"t2b_165\">24.75% </span><span class=\"S3965 S27E S2\" id=\"t2c_165\">(226) </span><span class=\"S3966 S27E S2\" id=\"t2d_165\">Hungary /Budapest </span><span class=\"S3967 S27E S2\" id=\"t2e_165\">Computer programming activities </span><span class=\"S3968 S27E S2\" id=\"t2f_165\">Cursor Insight Ltd </span><span class=\"S3969 S27E S2\" id=\"t2g_165\">75 </span><span class=\"S396A S27E S2\" id=\"t2h_165\">6.75% </span><span class=\"S396B S27E S2\" id=\"t2i_165\">n.a. </span><span class=\"S396C S27E S2\" id=\"t2j_165\">UK / London </span><span class=\"S396D S27E S2\" id=\"t2k_165\">Computer programming activities </span><span class=\"S396E S27E S2\" id=\"t2l_165\">Fabetker Ltd </span><span class=\"S396F S27E S2\" id=\"t2m_165\">1 </span><span class=\"S3970 S27E S2\" id=\"t2n_165\">20.48% </span><span class=\"S3971 S27E S2\" id=\"t2o_165\">135 </span><span class=\"S3972 S27F S2\" id=\"t2p_165\">Hungary / N\u00e1dudvar </span><span class=\"S3973 S27E S2\" id=\"t2q_165\">Manufacture of concrete products for construction purposes </span><span class=\"S3974 S27E S2\" id=\"t2r_165\">OneSoil Ag. </span><span class=\"S3975 S27E S2\" id=\"t2s_165\">362 </span><span class=\"S3976 S27E S2\" id=\"t2t_165\">3.72% </span><span class=\"S3977 S27E S2\" id=\"t2u_165\">(514) </span><span class=\"S3978 S27E S2\" id=\"t2v_165\">Switzerland / Zurich </span><span class=\"S3979 S27E S2\" id=\"t2w_165\">Computer programming activities </span><span class=\"S397A S27F S2\" id=\"t2x_165\">Packhelp Sp\u00f3\u0142ka Akcyjna </span><span class=\"S397B S27E S2\" id=\"t2y_165\">1,168 </span><span class=\"S397C S27E S2\" id=\"t2z_165\">3.15% </span><span class=\"S397D S27E S2\" id=\"t30_165\">(3,385) </span><span class=\"S397E S27E S2\" id=\"t31_165\">Poland / Warsaw </span><span class=\"S397F S27E S2\" id=\"t32_165\">Manufacture of corrugated paper and paperboard </span><span class=\"S3980 S27E S2\" id=\"t33_165\">and of containers of paper and paperboard </span><span class=\"S3981 S27E S2\" id=\"t34_165\">Phoenix Play Invest closed Co. Plc </span><span class=\"S3982 S27E S2\" id=\"t35_165\">2,350 </span><span class=\"S3983 S27E S2\" id=\"t36_165\">21.69% </span><span class=\"S3984 S27E S2\" id=\"t37_165\">(1) </span><span class=\"S3985 S27E S2\" id=\"t38_165\">Hungary /Budapest </span><span class=\"S3986 S27E S2\" id=\"t39_165\">Activities of holding companies </span><span class=\"S3987 S27E S2\" id=\"t3a_165\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3988 S27E S2\" id=\"t3b_165\">8,195 </span><span class=\"S3989 S27E S2\" id=\"t3c_165\">21.69% </span><span class=\"S398A S27E S2\" id=\"t3d_165\">792 </span><span class=\"S398B S27E S2\" id=\"t3e_165\">Hungary /Budapest </span><span class=\"S398C S27E S2\" id=\"t3f_165\">Activities of holding companies </span><span class=\"S398D S27E S2\" id=\"t3g_165\">NGY Propertiers Investment SRL </span><span class=\"S398E S27E S2\" id=\"t3h_165\">11,735 </span><span class=\"S398F S27E S2\" id=\"t3i_165\">14.54% </span><span class=\"S3990 S27E S2\" id=\"t3j_165\">(22,567) </span><span class=\"S3991 S27E S2\" id=\"t3k_165\">Romania / Bucharest </span><span class=\"S3992 S27E S2\" id=\"t3l_165\">Renting and operating of own or leased real estate </span><span class=\"S3993 S27E S2\" id=\"t3m_165\">Deligo Vision Technologies Ltd </span><span class=\"S3994 S27E S2\" id=\"t3n_165\">205 </span><span class=\"S3995 S27E S2\" id=\"t3o_165\">2.50% </span><span class=\"S3996 S27E S2\" id=\"t3p_165\">(15) </span><span class=\"S3997 S27E S2\" id=\"t3q_165\">Hungary /Budapest </span><span class=\"S3998 S27E S2\" id=\"t3r_165\">Other information service activities </span><span class=\"S3999 S27E S2\" id=\"t3s_165\">GRADUW Invest Closed Co. Plc </span><span class=\"S399A S27E S2\" id=\"t3t_165\">4,803 </span><span class=\"S399B S27E S2\" id=\"t3u_165\">3.81% </span><span class=\"S399C S27E S2\" id=\"t3v_165\">131 </span><span class=\"S399D S27E S2\" id=\"t3w_165\">Hungary /Budapest </span><span class=\"S399E S27E S2\" id=\"t3x_165\">Sale and purchase of own real estate </span><span class=\"S399F S27E S2\" id=\"t3y_165\">SEH-Partner Ltd </span><span class=\"S39A0 S27E S2\" id=\"t3z_165\">6,403 </span><span class=\"S39A1 S27E S2\" id=\"t40_165\">30.56% </span><span class=\"S39A2 S27E S2\" id=\"t41_165\">n.a. </span><span class=\"S39A3 S27E S2\" id=\"t42_165\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t43_165\">Activities of holding companies </span><span class=\"S39A5 S27F S2\" id=\"t44_165\">Simonyi \u00fat 20. Ingatlanhasznos\u00edt\u00f3 Ltd </span><span class=\"S39A6 S27E S2\" id=\"t45_165\">90 </span><span class=\"S39A7 S27E S2\" id=\"t46_165\">47.62% </span><span class=\"S39A8 S27E S2\" id=\"t47_165\">- </span><span class=\"S39A9 S27E S2\" id=\"t48_165\">Hungary /Debrecen </span><span class=\"S39AA S27E S2\" id=\"t49_165\">Renting and operating of own or leased real estate </span><span class=\"S39AB S27E S2\" id=\"t4a_165\">Fintech CEE Software Invest Ltd </span><span class=\"S39AC S27E S2\" id=\"t4b_165\">127 </span><span class=\"S39AD S27E S2\" id=\"t4c_165\">20.04% </span><span class=\"S39AE S27E S2\" id=\"t4d_165\">n.a. </span><span class=\"S39AF S27E S2\" id=\"t4e_165\">Hungary /Budapest </span><span class=\"S39B0 S27E S2\" id=\"t4f_165\">Activities of holding companies </span><span class=\"S39B1 S27E S2\" id=\"t4g_165\">New Frontier Technology Invest SARL </span><span class=\"S39B2 S27E S2\" id=\"t4h_165\">3,393 </span><span class=\"S39B3 S27E S2\" id=\"t4i_165\">14.01% </span><span class=\"S39B4 S27E S2\" id=\"t4j_165\">n.a. </span><span class=\"S39B5 S27E S2\" id=\"t4k_165\">Luxemburg / Luxembourg </span><span class=\"S39B6 S27E S2\" id=\"t4l_165\">Activities of holding companies </span><span class=\"S39B7 S27E S2\" id=\"t4m_165\">Mindgram sp. z.o.o </span><span class=\"S39B8 S27E S2\" id=\"t4n_165\">200 </span><span class=\"S39B9 S27E S2\" id=\"t4o_165\">2.38% </span><span class=\"S39BA S27E S2\" id=\"t4p_165\">(328) </span><span class=\"S39BB S27E S2\" id=\"t4q_165\">Poland / Warsaw </span><span class=\"S39BC S27E S2\" id=\"t4r_165\">Other human health activities </span><span class=\"S1123 SB S2\" id=\"t3_166\">NOTE 43: </span><span class=\"S38B0 SB S2\" id=\"t4_166\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S39BD SB S2\" id=\"t5_166\">Significant associates and joint ventures [continued] </span><span class=\"S39BE SA7 S2\" id=\"t6_166\">The Group made significant investments into associates during 2021. Venture capital funds under the control of the Group obtained ownership interest in Phoenix Play Invest </span><span class=\"S1FD1 SA7 S2\" id=\"t7_166\">Co.Plc, in Algorithmiq Invest Closed Co. Plc and in NGY Propertiers Investment SRL. </span><span class=\"S3918 S27D S2\" id=\"t8_166\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t9_166\">Carrying </span><span class=\"S39BF S27D S2\" id=\"ta_166\">amount </span><span class=\"S391B S27D S2\" id=\"tb_166\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tc_166\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"td_166\">Profit after </span><span class=\"S391E S27D S2\" id=\"te_166\">tax </span><span class=\"S391F S27D S2\" id=\"tf_166\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tg_166\">Activity </span><span class=\"S3921 S27E S2\" id=\"th_166\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"ti_166\">526 </span><span class=\"S3923 S27E S2\" id=\"tj_166\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tk_166\">(52) </span><span class=\"S3925 S27E S2\" id=\"tl_166\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tm_166\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tn_166\">OTP-</span><span class=\"S3928 S27F S2\" id=\"to_166\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"tp_166\">288 </span><span class=\"S392A S27E S2\" id=\"tq_166\">22.00% </span><span class=\"S392B S27E S2\" id=\"tr_166\">13 </span><span class=\"S392C S27E S2\" id=\"ts_166\">Hungary /Budapest </span><span class=\"S39C0 S27E S2\" id=\"tt_166\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tu_166\">D-</span><span class=\"S392F S27F S2\" id=\"tv_166\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tw_166\">- </span><span class=\"S3931 S27E S2\" id=\"tx_166\">46.99% </span><span class=\"S3932 S27E S2\" id=\"ty_166\">- </span><span class=\"S3933 S27F S2\" id=\"tz_166\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"t10_166\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t11_166\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t12_166\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t13_166\">392 </span><span class=\"S3938 S27E S2\" id=\"t14_166\">25.00% </span><span class=\"S39C1 S27E S2\" id=\"t15_166\">(183) </span><span class=\"S393A S27E S2\" id=\"t16_166\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t17_166\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t18_166\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t19_166\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t1a_166\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1b_166\">779 </span><span class=\"S3940 S27E S2\" id=\"t1c_166\">17.34% </span><span class=\"S3941 S27E S2\" id=\"t1d_166\">(293) </span><span class=\"S3942 S27E S2\" id=\"t1e_166\">Poland / Krakow </span><span class=\"S39C2 S27E S2\" id=\"t1f_166\">Computer programming activities </span><span class=\"S39C3 S27E S2\" id=\"t1g_166\">Graboplast Closed Co. Plc </span><span class=\"S39C4 S27E S2\" id=\"t1h_166\">700 </span><span class=\"S3946 S27E S2\" id=\"t1i_166\">7.00% </span><span class=\"S39C5 S27E S2\" id=\"t1j_166\">n.a. </span><span class=\"S39C6 S27E S2\" id=\"t1k_166\">Hungary / </span><span class=\"S39C7 S27F S2\" id=\"t1l_166\">Gy\u0151r </span><span class=\"S39C8 S27F S2\" id=\"t1m_166\">Manufacture of builders\u2019 ware of plastic </span><span class=\"S39C9 S27E S2\" id=\"t1n_166\">NovaKid Inc. </span><span class=\"S39CA S27E S2\" id=\"t1o_166\">2,006 </span><span class=\"S39CB S27E S2\" id=\"t1p_166\">4.17% </span><span class=\"S39CC S27E S2\" id=\"t1q_166\">(4,621) </span><span class=\"S39CD S27E S2\" id=\"t1r_166\">USA / San Francisco </span><span class=\"S39CE S27E S2\" id=\"t1s_166\">Online kids English learning platform operator </span><span class=\"S39CF S27E S2\" id=\"t1t_166\">Banzai Cloud Closed Co. Plc </span><span class=\"S39D0 S27E S2\" id=\"t1u_166\">374 </span><span class=\"S3952 S27E S2\" id=\"t1v_166\">17.42% </span><span class=\"S39D1 S27E S2\" id=\"t1w_166\">n.a. </span><span class=\"S3954 S27E S2\" id=\"t1x_166\">Hungary /Budapest </span><span class=\"S39D2 S27E S2\" id=\"t1y_166\">Computer programming activities </span><span class=\"S39D3 S27E S2\" id=\"t1z_166\">ClodeCool Ltd </span><span class=\"S3957 S27E S2\" id=\"t20_166\">1,770 </span><span class=\"S3958 S27E S2\" id=\"t21_166\">20.15% </span><span class=\"S39D4 S27E S2\" id=\"t22_166\">1 </span><span class=\"S39D5 S27E S2\" id=\"t23_166\">Hungary /Budapest </span><span class=\"S39D6 S27E S2\" id=\"t24_166\">Other education </span><span class=\"S39D7 S27E S2\" id=\"t25_166\">Pepita.hu Closed Co. Plc </span><span class=\"S39D8 S27E S2\" id=\"t26_166\">516 </span><span class=\"S395E S27E S2\" id=\"t27_166\">34.00% </span><span class=\"S39D9 S27E S2\" id=\"t28_166\">(132) </span><span class=\"S39DA S27E S2\" id=\"t29_166\">Hungary / Szeghalom </span><span class=\"S39DB S27E S2\" id=\"t2a_166\">Retail sale via mail order houses or via Internet </span><span class=\"S39DC S27E S2\" id=\"t2b_166\">Seon Holdings Ltd </span><span class=\"S3963 S27E S2\" id=\"t2c_166\">4,756 </span><span class=\"S3964 S27E S2\" id=\"t2d_166\">23.86% </span><span class=\"S39DD S27E S2\" id=\"t2e_166\">(4) </span><span class=\"S39DE S27E S2\" id=\"t2f_166\">UK / London </span><span class=\"S39DF S27E S2\" id=\"t2g_166\">Computer programming activities </span><span class=\"S39E0 S27E S2\" id=\"t2h_166\">Starschema Ltd </span><span class=\"S39E1 S27E S2\" id=\"t2i_166\">3,944 </span><span class=\"S39E2 S27E S2\" id=\"t2j_166\">36.19% </span><span class=\"S396B S27E S2\" id=\"t2k_166\">n.a. </span><span class=\"S39E3 S27E S2\" id=\"t2l_166\">Hungary /Budapest </span><span class=\"S39E4 S27E S2\" id=\"t2m_166\">Computer consultancy activities </span><span class=\"S39E5 S27E S2\" id=\"t2n_166\">VCC Live Group Closed Co. Plc </span><span class=\"S39E6 S27E S2\" id=\"t2o_166\">1,672 </span><span class=\"S3970 S27E S2\" id=\"t2p_166\">49.56% </span><span class=\"S39E7 S27E S2\" id=\"t2q_166\">(203) </span><span class=\"S39E8 S27E S2\" id=\"t2r_166\">Hungary /Budapest </span><span class=\"S39E9 S27E S2\" id=\"t2s_166\">Computer programming activities </span><span class=\"S39EA S27E S2\" id=\"t2t_166\">Virtual Solutaion Ltd </span><span class=\"S39EB S27E S2\" id=\"t2u_166\">n.a. </span><span class=\"S3976 S27E S2\" id=\"t2v_166\">8.33% </span><span class=\"S39EC S27E S2\" id=\"t2w_166\">n.a. </span><span class=\"S39ED S27E S2\" id=\"t2x_166\">Hungary /Budapest </span><span class=\"S3979 S27E S2\" id=\"t2y_166\">Computer programming activities </span><span class=\"S39EE S27E S2\" id=\"t2z_166\">Yieldigo s.r.o. </span><span class=\"S39EF S27E S2\" id=\"t30_166\">76 </span><span class=\"S397C S27E S2\" id=\"t31_166\">1.97% </span><span class=\"S39F0 S27E S2\" id=\"t32_166\">(168) </span><span class=\"S39F1 S27E S2\" id=\"t33_166\">Czech Republic / Prague </span><span class=\"S397F S27E S2\" id=\"t34_166\">Computer programming activities </span><span class=\"S39F2 S27E S2\" id=\"t35_166\">Szallas.hu Closed Co. Plc </span><span class=\"S39F3 S1F81 S2\" id=\"t36_166\">1 </span><span class=\"S39F4 S27E S2\" id=\"t37_166\">8,809 </span><span class=\"S39F5 S27E S2\" id=\"t38_166\">51.19% </span><span class=\"S39F6 S27E S2\" id=\"t39_166\">1,278 </span><span class=\"S39F7 S27E S2\" id=\"t3a_166\">Hungary / Miskolc </span><span class=\"S39F8 S27E S2\" id=\"t3b_166\">Web portals </span><span class=\"S39F9 S27E S2\" id=\"t3c_166\">Cursor Insight Ltd </span><span class=\"S39FA S27E S2\" id=\"t3d_166\">146 </span><span class=\"S39FB S27E S2\" id=\"t3e_166\">6.75% </span><span class=\"S39FC S27E S2\" id=\"t3f_166\">(247) </span><span class=\"S39FD S27E S2\" id=\"t3g_166\">UK / London </span><span class=\"S39FE S27E S2\" id=\"t3h_166\">Computer programming activities </span><span class=\"S39FF S27E S2\" id=\"t3i_166\">Fabetker Ltd </span><span class=\"S3A00 S27E S2\" id=\"t3j_166\">1 </span><span class=\"S3989 S27E S2\" id=\"t3k_166\">20.48% </span><span class=\"S398A S27E S2\" id=\"t3l_166\">132 </span><span class=\"S3A01 S27F S2\" id=\"t3m_166\">Hungary / N\u00e1dudvar </span><span class=\"S3A02 S27E S2\" id=\"t3n_166\">Manufacture of concrete products for construction purposes </span><span class=\"S3A03 S27E S2\" id=\"t3o_166\">OneSoil Ag. </span><span class=\"S3A04 S27E S2\" id=\"t3p_166\">318 </span><span class=\"S3A05 S27E S2\" id=\"t3q_166\">3.72% </span><span class=\"S3A06 S27E S2\" id=\"t3r_166\">(1,058) </span><span class=\"S3A07 S27E S2\" id=\"t3s_166\">Switzerland / Zurich </span><span class=\"S3A08 S27E S2\" id=\"t3t_166\">Computer programming activities </span><span class=\"S3A09 S27F S2\" id=\"t3u_166\">Packhelp Sp\u00f3\u0142ka </span><span class=\"S3A0A S27E S2\" id=\"t3v_166\">Akcyjna </span><span class=\"S3A0B S27E S2\" id=\"t3w_166\">2,160 </span><span class=\"S3995 S27E S2\" id=\"t3x_166\">1.00% </span><span class=\"S3A0C S27E S2\" id=\"t3y_166\">(3,038) </span><span class=\"S3A0D S27E S2\" id=\"t3z_166\">Poland / Warsaw </span><span class=\"S3A0E S27E S2\" id=\"t40_166\">Manufacture of corrugated paper and paperboard </span><span class=\"S3A0F S27E S2\" id=\"t41_166\">and of containers of paper and paperboard </span><span class=\"S3A10 S27E S2\" id=\"t42_166\">Phoenix Play Invest closed Co. Plc </span><span class=\"S39A0 S27E S2\" id=\"t43_166\">3,081 </span><span class=\"S39A1 S27E S2\" id=\"t44_166\">21.69% </span><span class=\"S3A11 S27E S2\" id=\"t45_166\">(1) </span><span class=\"S39A3 S27E S2\" id=\"t46_166\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t47_166\">Activities of holding companies </span><span class=\"S3A12 S27E S2\" id=\"t48_166\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3A13 S27E S2\" id=\"t49_166\">8,996 </span><span class=\"S39A7 S27E S2\" id=\"t4a_166\">21.69% </span><span class=\"S3A14 S27E S2\" id=\"t4b_166\">792 </span><span class=\"S3A15 S27E S2\" id=\"t4c_166\">Hungary /Budapest </span><span class=\"S3A16 S27E S2\" id=\"t4d_166\">Activities of holding companies </span><span class=\"S3A17 S27E S2\" id=\"t4e_166\">NGY Propertiers Investment SRL </span><span class=\"S3A18 S27E S2\" id=\"t4f_166\">12,331 </span><span class=\"S39AD S27E S2\" id=\"t4g_166\">14.54% </span><span class=\"S3A19 S27E S2\" id=\"t4h_166\">(22,567) </span><span class=\"S3A1A S27E S2\" id=\"t4i_166\">Romania / Bucharest </span><span class=\"S3A1B S27E S2\" id=\"t4j_166\">Renting and operating of own or leased real estate </span><span class=\"S3A1C S482 S2\" id=\"t4k_166\">1 </span><span class=\"S3A1D S483 S2\" id=\"t4l_166\">It does not control another entity even though it holds more than half of the voting rights. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6004": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_63\">NOTE 12: </span><span class=\"S7A3 SB S2\" id=\"t4_63\">ASSOCIATES AND OTHER INVESTMENTS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_63\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_63\">2021 </span><span class=\"S10C7 SA7 S2\" id=\"t7_63\">Investments </span><span class=\"S10C8 SA7 S2\" id=\"t8_63\">Investments in associates (non-listed) </span><span class=\"SE32 SA7 S2\" id=\"t9_63\">29,010 </span><span class=\"SE33 SA7 S2\" id=\"ta_63\">42,409 </span><span class=\"S10C9 SA7 S2\" id=\"tb_63\">Other investments (non-listed) </span><span class=\"S10CA SA7 S2\" id=\"tc_63\">56,919 </span><span class=\"S10CB SA7 S2\" id=\"td_63\">37,327 </span><span class=\"S10CC SB S2\" id=\"te_63\">85,929 </span><span class=\"S10CD SB S2\" id=\"tf_63\">79,736 </span><span class=\"S10CE SA7 S2\" id=\"tg_63\">Impairment on investments </span><span class=\"S10CF SA7 S2\" id=\"th_63\">(12,080) </span><span class=\"S10D0 SA7 S2\" id=\"ti_63\">(12,514) </span><span class=\"S10D1 SB S2\" id=\"tj_63\">Total </span><span class=\"SEED SB S2\" id=\"tk_63\">73,849 </span><span class=\"SEEE SB S2\" id=\"tl_63\">67,222 </span><span class=\"S10D2 SA7 S2\" id=\"tm_63\">An analysis of the change in the impairment on investments is as follows: </span><span class=\"S10D3 SB S2\" id=\"tn_63\">2022 </span><span class=\"S10D4 SB S2\" id=\"to_63\">2021 </span><span class=\"S10D5 SB S2\" id=\"tp_63\">Balance as at 1 January </span><span class=\"S10D6 SB S2\" id=\"tq_63\">12,514 </span><span class=\"S10D7 SB S2\" id=\"tr_63\">5,864 </span><span class=\"S10D8 SA7 S2\" id=\"ts_63\">Impairment for the period </span><span class=\"S10D9 SA7 S2\" id=\"tt_63\">1,312 </span><span class=\"S10DA SA7 S2\" id=\"tu_63\">7,266 </span><span class=\"S10DB SA7 S2\" id=\"tv_63\">Release of impairment for the period </span><span class=\"S10DC SA7 S2\" id=\"tw_63\">(411) </span><span class=\"S10DD SA7 S2\" id=\"tx_63\">(626) </span><span class=\"S10DE SA7 S2\" id=\"ty_63\">Modification due to merge </span><span class=\"S10DF SA7 S2\" id=\"tz_63\">(1,238) </span><span class=\"S10E0 SA7 S2\" id=\"t10_63\">28 </span><span class=\"S10E1 SA7 S2\" id=\"t11_63\">Use of impairment </span><span class=\"S10E2 SA7 S2\" id=\"t12_63\">- </span><span class=\"S10E3 SA7 S2\" id=\"t13_63\">- </span><span class=\"S10E4 SA7 S2\" id=\"t14_63\">Foreign currency translation difference </span><span class=\"S10E5 SA7 S2\" id=\"t15_63\">(97) </span><span class=\"S10E6 SA7 S2\" id=\"t16_63\">(18) </span><span class=\"S10E7 SB S2\" id=\"t17_63\">Closing balance </span><span class=\"S10E8 SB S2\" id=\"t18_63\">12,080 </span><span class=\"S10E9 SB S2\" id=\"t19_63\">12,514 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6005": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_63\">NOTE 12: </span><span class=\"S7A3 SB S2\" id=\"t4_63\">ASSOCIATES AND OTHER INVESTMENTS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_63\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_63\">2021 </span><span class=\"S10C7 SA7 S2\" id=\"t7_63\">Investments </span><span class=\"S10C8 SA7 S2\" id=\"t8_63\">Investments in associates (non-listed) </span><span class=\"SE32 SA7 S2\" id=\"t9_63\">29,010 </span><span class=\"SE33 SA7 S2\" id=\"ta_63\">42,409 </span><span class=\"S10C9 SA7 S2\" id=\"tb_63\">Other investments (non-listed) </span><span class=\"S10CA SA7 S2\" id=\"tc_63\">56,919 </span><span class=\"S10CB SA7 S2\" id=\"td_63\">37,327 </span><span class=\"S10CC SB S2\" id=\"te_63\">85,929 </span><span class=\"S10CD SB S2\" id=\"tf_63\">79,736 </span><span class=\"S10CE SA7 S2\" id=\"tg_63\">Impairment on investments </span><span class=\"S10CF SA7 S2\" id=\"th_63\">(12,080) </span><span class=\"S10D0 SA7 S2\" id=\"ti_63\">(12,514) </span><span class=\"S10D1 SB S2\" id=\"tj_63\">Total </span><span class=\"SEED SB S2\" id=\"tk_63\">73,849 </span><span class=\"SEEE SB S2\" id=\"tl_63\">67,222 </span><span class=\"S10D2 SA7 S2\" id=\"tm_63\">An analysis of the change in the impairment on investments is as follows: </span><span class=\"S10D3 SB S2\" id=\"tn_63\">2022 </span><span class=\"S10D4 SB S2\" id=\"to_63\">2021 </span><span class=\"S10D5 SB S2\" id=\"tp_63\">Balance as at 1 January </span><span class=\"S10D6 SB S2\" id=\"tq_63\">12,514 </span><span class=\"S10D7 SB S2\" id=\"tr_63\">5,864 </span><span class=\"S10D8 SA7 S2\" id=\"ts_63\">Impairment for the period </span><span class=\"S10D9 SA7 S2\" id=\"tt_63\">1,312 </span><span class=\"S10DA SA7 S2\" id=\"tu_63\">7,266 </span><span class=\"S10DB SA7 S2\" id=\"tv_63\">Release of impairment for the period </span><span class=\"S10DC SA7 S2\" id=\"tw_63\">(411) </span><span class=\"S10DD SA7 S2\" id=\"tx_63\">(626) </span><span class=\"S10DE SA7 S2\" id=\"ty_63\">Modification due to merge </span><span class=\"S10DF SA7 S2\" id=\"tz_63\">(1,238) </span><span class=\"S10E0 SA7 S2\" id=\"t10_63\">28 </span><span class=\"S10E1 SA7 S2\" id=\"t11_63\">Use of impairment </span><span class=\"S10E2 SA7 S2\" id=\"t12_63\">- </span><span class=\"S10E3 SA7 S2\" id=\"t13_63\">- </span><span class=\"S10E4 SA7 S2\" id=\"t14_63\">Foreign currency translation difference </span><span class=\"S10E5 SA7 S2\" id=\"t15_63\">(97) </span><span class=\"S10E6 SA7 S2\" id=\"t16_63\">(18) </span><span class=\"S10E7 SB S2\" id=\"t17_63\">Closing balance </span><span class=\"S10E8 SB S2\" id=\"t18_63\">12,080 </span><span class=\"S10E9 SB S2\" id=\"t19_63\">12,514 </span><span class=\"SFA4 SB S2\" id=\"t3_163\">NOTE 43: </span><span class=\"S153B SB S2\" id=\"t4_163\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) </span><span class=\"S389E SA7 S2\" id=\"t5_163\">The control is established when the Group has the right and exposure over the variable positive yield of the investee </span><span class=\"S389F SA7 S2\" id=\"t6_163\">but the same time put up with the consequences of the negative returns and the Group by its decisions is able to </span><span class=\"S38A0 SA7 S2\" id=\"t7_163\">influence the extent of the yields. </span><span class=\"S38A1 SA7 S2\" id=\"t8_163\">The Group primarily considering the following factors in the process of determining the existing of the control: </span><span class=\"S38A2 SA7 S2\" id=\"t9_163\">- investigation of the decision-making mechanism of the entity, </span><span class=\"S38A3 SA7 S2\" id=\"ta_163\">- authority of the Board of Directors, Supervisory Board and General meeting based on the deed of association, </span><span class=\"S38A4 SA7 S2\" id=\"tb_163\">- existence of investments with preferential voting rights. </span><span class=\"S779 S5B9 S2\" id=\"tc_163\">If the control can\u2019t be obviously determined, then it should be supposed that the control does </span><span class=\"S38A5 SA7 S2\" id=\"td_163\">not exist. </span><span class=\"S38A6 SA7 S2\" id=\"te_163\">Significant influence is presumed by the Group to exist </span><span class=\"S38A7 S5B9 S2\" id=\"tf_163\">\u2013 </span><span class=\"S38A8 SA7 S2\" id=\"tg_163\">unless the contrary case is proven </span><span class=\"S38A9 S5B9 S2\" id=\"th_163\">\u2013 </span><span class=\"S38AA SA7 S2\" id=\"ti_163\">when the Group </span><span class=\"S9F9 SA7 S2\" id=\"tj_163\">holds 20% or more of the voting power of an investee but does not have a control. </span><span class=\"S38AB SA7 S2\" id=\"tk_163\">Investments in companies in which the Bank has a controlling interest are detailed below. They are fully </span><span class=\"S38AC SA7 S2\" id=\"tl_163\">consolidated companies and incorporated in Hungary unless otherwise stated. The Group considers a subsidiary </span><span class=\"S38AD SA7 S2\" id=\"tm_163\">significant when it is a financial institution or when the subsidiary contributes to the Grou</span><span class=\"S38AE S5B9 S2\" id=\"tn_163\">ps\u2019 total balance sheet </span><span class=\"S38AF SA7 S2\" id=\"to_163\">with higher amount. The Bank considers the subsidiaries as cash generating units. </span><span class=\"S1123 SB S2\" id=\"t3_164\">NOTE 43: </span><span class=\"S38B0 SB S2\" id=\"t4_164\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S38B1 SB S2\" id=\"t5_164\">Significant subsidiaries </span><span class=\"S38B2 SB S2\" id=\"t6_164\">Name </span><span class=\"S38B3 SB S2\" id=\"t7_164\">Ownership (Direct and </span><span class=\"S38B4 SB S2\" id=\"t8_164\">Indirect) </span><span class=\"S38B5 SB S2\" id=\"t9_164\">Activity </span><span class=\"S38B6 SB S2\" id=\"ta_164\">2022 </span><span class=\"S38B7 SB S2\" id=\"tb_164\">2021 </span><span class=\"S38B8 SA7 S2\" id=\"tc_164\">DSK Bank AD (Bulgaria) </span><span class=\"S38B9 SA7 S2\" id=\"td_164\">99.92% </span><span class=\"S38BA SA7 S2\" id=\"te_164\">99.91% </span><span class=\"S38BB SA7 S2\" id=\"tf_164\">commercial banking services </span><span class=\"S38BC SA7 S2\" id=\"tg_164\">OTP Bank JSC (Ukraine) </span><span class=\"S38BD SA7 S2\" id=\"th_164\">100.00% </span><span class=\"S38BE SA7 S2\" id=\"ti_164\">100.00% </span><span class=\"S38BF SA7 S2\" id=\"tj_164\">commercial banking services </span><span class=\"S38C0 S5B9 S2\" id=\"tk_164\">JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S38C1 SA7 S2\" id=\"tl_164\">97.92% </span><span class=\"S38C2 SA7 S2\" id=\"tm_164\">97.92% </span><span class=\"S38C3 SA7 S2\" id=\"tn_164\">commercial banking services </span><span class=\"S38C4 SA7 S2\" id=\"to_164\">OTP banka d.d. (Croatia) </span><span class=\"S38C5 SA7 S2\" id=\"tp_164\">100.00% </span><span class=\"S38C6 SA7 S2\" id=\"tq_164\">100.00% </span><span class=\"S38C7 SA7 S2\" id=\"tr_164\">commercial banking services </span><span class=\"S38C8 SA7 S2\" id=\"ts_164\">OTP Bank Romania S.A. (Romania) </span><span class=\"S38C9 SA7 S2\" id=\"tt_164\">100.00% </span><span class=\"S38CA SA7 S2\" id=\"tu_164\">100.00% </span><span class=\"S38CB SA7 S2\" id=\"tv_164\">commercial banking services </span><span class=\"S20BE SA7 S2\" id=\"tw_164\">OTP banka Srbija a.d. Novi Sad (Serbia) </span><span class=\"S38CC SA7 S2\" id=\"tx_164\">100.00% </span><span class=\"S38CD SA7 S2\" id=\"ty_164\">100.00% </span><span class=\"S38CE SA7 S2\" id=\"tz_164\">commercial banking services </span><span class=\"S38CF SA7 S2\" id=\"t10_164\">Crnogorska komercijalna banka a.d. (Montenegro) </span><span class=\"S38D0 SA7 S2\" id=\"t11_164\">100.00% </span><span class=\"S38D1 SA7 S2\" id=\"t12_164\">100.00% </span><span class=\"S38D2 SA7 S2\" id=\"t13_164\">commercial banking services </span><span class=\"S38D3 SA7 S2\" id=\"t14_164\">Banka OTP Albania SH.A. (Albania) </span><span class=\"S38D4 SA7 S2\" id=\"t15_164\">100.00% </span><span class=\"S38D5 SA7 S2\" id=\"t16_164\">100.00% </span><span class=\"S38D6 SA7 S2\" id=\"t17_164\">commercial banking services </span><span class=\"S38D7 SA7 S2\" id=\"t18_164\">OTP Bank S.A. (Moldova) </span><span class=\"S38D8 SA7 S2\" id=\"t19_164\">98.26% </span><span class=\"S38D9 SA7 S2\" id=\"t1a_164\">98.26% </span><span class=\"S38DA SA7 S2\" id=\"t1b_164\">commercial banking services </span><span class=\"S38DB SA7 S2\" id=\"t1c_164\">SKB Banka d.d. Ljubljana (Slovenia) </span><span class=\"S38DC SA7 S2\" id=\"t1d_164\">100.00% </span><span class=\"S38DD SA7 S2\" id=\"t1e_164\">100.00% </span><span class=\"S38DE SA7 S2\" id=\"t1f_164\">commercial banking services </span><span class=\"S38DF SA7 S2\" id=\"t1g_164\">OTP Financing Malta Company Ltd. (Malta) </span><span class=\"S38E0 SA7 S2\" id=\"t1h_164\">100.00% </span><span class=\"S38E1 SA7 S2\" id=\"t1i_164\">100.00% </span><span class=\"S38E2 SA7 S2\" id=\"t1j_164\">refinancing activities </span><span class=\"S38E3 SA7 S2\" id=\"t1k_164\">OTP Financing Netherlands B.V. (the Netherlands) </span><span class=\"S38E4 SA7 S2\" id=\"t1l_164\">100.00% </span><span class=\"S38E5 SA7 S2\" id=\"t1m_164\">100.00% </span><span class=\"S38E6 SA7 S2\" id=\"t1n_164\">refinancing activities </span><span class=\"S38E7 SA7 S2\" id=\"t1o_164\">OTP Holding Ltd. (Cyprus) </span><span class=\"S38E8 SA7 S2\" id=\"t1p_164\">100.00% </span><span class=\"S38E9 SA7 S2\" id=\"t1q_164\">100.00% </span><span class=\"S38EA SA7 S2\" id=\"t1r_164\">refinancing activities </span><span class=\"S38EB SA7 S2\" id=\"t1s_164\">OTP Factoring Ltd. </span><span class=\"S38EC SA7 S2\" id=\"t1t_164\">100.00% </span><span class=\"S38ED SA7 S2\" id=\"t1u_164\">100.00% </span><span class=\"S38EE SA7 S2\" id=\"t1v_164\">work-out </span><span class=\"S38EF SA7 S2\" id=\"t1w_164\">OTP Mortgage Bank Ltd. </span><span class=\"S38F0 SA7 S2\" id=\"t1x_164\">100.00% </span><span class=\"S38F1 SA7 S2\" id=\"t1y_164\">100.00% </span><span class=\"S38F2 SA7 S2\" id=\"t1z_164\">mortgage lending </span><span class=\"S38F3 SA7 S2\" id=\"t20_164\">OTP Real Estate Ltd. </span><span class=\"S38F4 SA7 S2\" id=\"t21_164\">100.00% </span><span class=\"S38F5 SA7 S2\" id=\"t22_164\">100.00% </span><span class=\"S38F6 SA7 S2\" id=\"t23_164\">real estate management and development </span><span class=\"S38F7 SA7 S2\" id=\"t24_164\">Merkantil Bank Ltd. </span><span class=\"S38F8 SA7 S2\" id=\"t25_164\">100.00% </span><span class=\"S38F9 SA7 S2\" id=\"t26_164\">100.00% </span><span class=\"S38FA SA7 S2\" id=\"t27_164\">finance lease </span><span class=\"S38FB SA7 S2\" id=\"t28_164\">OTP Building Society Ltd. </span><span class=\"S38FC SA7 S2\" id=\"t29_164\">100.00% </span><span class=\"S38FD SA7 S2\" id=\"t2a_164\">100.00% </span><span class=\"S38FE SA7 S2\" id=\"t2b_164\">housing savings and loan </span><span class=\"S38FF SA7 S2\" id=\"t2c_164\">OTP Fund Management Ltd. </span><span class=\"S3900 SA7 S2\" id=\"t2d_164\">100.00% </span><span class=\"S3901 SA7 S2\" id=\"t2e_164\">100.00% </span><span class=\"S3902 SA7 S2\" id=\"t2f_164\">fund management </span><span class=\"S3903 SA7 S2\" id=\"t2g_164\">Bank Center No. 1. Ltd. </span><span class=\"S3904 SA7 S2\" id=\"t2h_164\">100.00% </span><span class=\"S3905 SA7 S2\" id=\"t2i_164\">100.00% </span><span class=\"S3906 SA7 S2\" id=\"t2j_164\">real estate lease </span><span class=\"S3907 S5B9 S2\" id=\"t2k_164\">Inga Kett\u0151 </span><span class=\"S3908 SA7 S2\" id=\"t2l_164\">Ltd. </span><span class=\"S3909 SA7 S2\" id=\"t2m_164\">100.00% </span><span class=\"S390A SA7 S2\" id=\"t2n_164\">100.00% </span><span class=\"S390B SA7 S2\" id=\"t2o_164\">property management </span><span class=\"S390C SA7 S2\" id=\"t2p_164\">OTP Funds Servicing and Consulting Ltd. </span><span class=\"S390D SA7 S2\" id=\"t2q_164\">100.00% </span><span class=\"S390E SA7 S2\" id=\"t2r_164\">100.00% </span><span class=\"S390F SA7 S2\" id=\"t2s_164\">fund services </span><span class=\"S3910 SA7 S2\" id=\"t2t_164\">OTP Real Estate Leasing Ltd. </span><span class=\"S3911 SA7 S2\" id=\"t2u_164\">100.00% </span><span class=\"S3912 SA7 S2\" id=\"t2v_164\">100.00% </span><span class=\"S3913 SA7 S2\" id=\"t2w_164\">real estate leasing </span><span class=\"S3914 SB S2\" id=\"t3_165\">NOTE 43: </span><span class=\"S3915 SB S2\" id=\"t4_165\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S3916 SB S2\" id=\"t5_165\">Significant associates and joint ventures </span><span class=\"S3917 SA7 S2\" id=\"t6_165\">Summarized financial and non-financial information of associates which are accounted according to IAS 28 and in line with IFRS 9 as at 31 December 2022 is as follows: </span><span class=\"S3918 S27D S2\" id=\"t7_165\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t8_165\">Carrying </span><span class=\"S391A S27D S2\" id=\"t9_165\">amount </span><span class=\"S391B S27D S2\" id=\"ta_165\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tb_165\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"tc_165\">Profit after </span><span class=\"S391E S27D S2\" id=\"td_165\">tax </span><span class=\"S391F S27D S2\" id=\"te_165\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tf_165\">Activity </span><span class=\"S3921 S27E S2\" id=\"tg_165\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"th_165\">520 </span><span class=\"S3923 S27E S2\" id=\"ti_165\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tj_165\">(52) </span><span class=\"S3925 S27E S2\" id=\"tk_165\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tl_165\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tm_165\">OTP-</span><span class=\"S3928 S27F S2\" id=\"tn_165\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"to_165\">683 </span><span class=\"S392A S27E S2\" id=\"tp_165\">22.00% </span><span class=\"S392B S27E S2\" id=\"tq_165\">13 </span><span class=\"S392C S27E S2\" id=\"tr_165\">Hungary /Budapest </span><span class=\"S392D S27E S2\" id=\"ts_165\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tt_165\">D-</span><span class=\"S392F S27F S2\" id=\"tu_165\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tv_165\">- </span><span class=\"S3931 S27E S2\" id=\"tw_165\">46.99% </span><span class=\"S3932 S27E S2\" id=\"tx_165\">- </span><span class=\"S3933 S27F S2\" id=\"ty_165\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"tz_165\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t10_165\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t11_165\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t12_165\">392 </span><span class=\"S3938 S27E S2\" id=\"t13_165\">25.00% </span><span class=\"S3939 S27E S2\" id=\"t14_165\">183 </span><span class=\"S393A S27E S2\" id=\"t15_165\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t16_165\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t17_165\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t18_165\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t19_165\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1a_165\">822 </span><span class=\"S3940 S27E S2\" id=\"t1b_165\">23.54% </span><span class=\"S3941 S27E S2\" id=\"t1c_165\">(516) </span><span class=\"S3942 S27E S2\" id=\"t1d_165\">Poland / Krakow </span><span class=\"S3943 S27E S2\" id=\"t1e_165\">Computer programming activities </span><span class=\"S3944 S27E S2\" id=\"t1f_165\">NovaKid Inc. </span><span class=\"S3945 S27E S2\" id=\"t1g_165\">1,723 </span><span class=\"S3946 S27E S2\" id=\"t1h_165\">4.07% </span><span class=\"S3947 S27E S2\" id=\"t1i_165\">(5,409) </span><span class=\"S3948 S27E S2\" id=\"t1j_165\">USA / San Francisco </span><span class=\"S3949 S27E S2\" id=\"t1k_165\">Online kids English learning platform operator </span><span class=\"S394A S27E S2\" id=\"t1l_165\">Banzai Cloud Closed Co. Plc </span><span class=\"S394B S27E S2\" id=\"t1m_165\">216 </span><span class=\"S394C S27E S2\" id=\"t1n_165\">17.42% </span><span class=\"S394D S27E S2\" id=\"t1o_165\">267 </span><span class=\"S394E S27E S2\" id=\"t1p_165\">Hungary /Budapest </span><span class=\"S394F S27E S2\" id=\"t1q_165\">Computer programming activities </span><span class=\"S3950 S27E S2\" id=\"t1r_165\">ClodeCool Ltd </span><span class=\"S3951 S27E S2\" id=\"t1s_165\">1,323 </span><span class=\"S3952 S27E S2\" id=\"t1t_165\">20.15% </span><span class=\"S3953 S27E S2\" id=\"t1u_165\">1 </span><span class=\"S3954 S27E S2\" id=\"t1v_165\">Hungary /Budapest </span><span class=\"S3955 S27E S2\" id=\"t1w_165\">Other education </span><span class=\"S3956 S27E S2\" id=\"t1x_165\">Pepita.hu Closed Co. Plc </span><span class=\"S3957 S27E S2\" id=\"t1y_165\">1,323 </span><span class=\"S3958 S27E S2\" id=\"t1z_165\">40.00% </span><span class=\"S3959 S27E S2\" id=\"t20_165\">(157) </span><span class=\"S395A S27E S2\" id=\"t21_165\">Hungary / Szeghalom </span><span class=\"S395B S27E S2\" id=\"t22_165\">Retail sale via mail order houses or via Internet </span><span class=\"S395C S27E S2\" id=\"t23_165\">Seon Holdings Ltd </span><span class=\"S395D S27E S2\" id=\"t24_165\">8,689 </span><span class=\"S395E S27E S2\" id=\"t25_165\">19.26% </span><span class=\"S395F S27E S2\" id=\"t26_165\">(3) </span><span class=\"S3960 S27E S2\" id=\"t27_165\">UK / London </span><span class=\"S3961 S27E S2\" id=\"t28_165\">Computer programming activities </span><span class=\"S3962 S27E S2\" id=\"t29_165\">VCC Live Group Closed Co. Plc </span><span class=\"S3963 S27E S2\" id=\"t2a_165\">1,308 </span><span class=\"S3964 S27E S2\" id=\"t2b_165\">24.75% </span><span class=\"S3965 S27E S2\" id=\"t2c_165\">(226) </span><span class=\"S3966 S27E S2\" id=\"t2d_165\">Hungary /Budapest </span><span class=\"S3967 S27E S2\" id=\"t2e_165\">Computer programming activities </span><span class=\"S3968 S27E S2\" id=\"t2f_165\">Cursor Insight Ltd </span><span class=\"S3969 S27E S2\" id=\"t2g_165\">75 </span><span class=\"S396A S27E S2\" id=\"t2h_165\">6.75% </span><span class=\"S396B S27E S2\" id=\"t2i_165\">n.a. </span><span class=\"S396C S27E S2\" id=\"t2j_165\">UK / London </span><span class=\"S396D S27E S2\" id=\"t2k_165\">Computer programming activities </span><span class=\"S396E S27E S2\" id=\"t2l_165\">Fabetker Ltd </span><span class=\"S396F S27E S2\" id=\"t2m_165\">1 </span><span class=\"S3970 S27E S2\" id=\"t2n_165\">20.48% </span><span class=\"S3971 S27E S2\" id=\"t2o_165\">135 </span><span class=\"S3972 S27F S2\" id=\"t2p_165\">Hungary / N\u00e1dudvar </span><span class=\"S3973 S27E S2\" id=\"t2q_165\">Manufacture of concrete products for construction purposes </span><span class=\"S3974 S27E S2\" id=\"t2r_165\">OneSoil Ag. </span><span class=\"S3975 S27E S2\" id=\"t2s_165\">362 </span><span class=\"S3976 S27E S2\" id=\"t2t_165\">3.72% </span><span class=\"S3977 S27E S2\" id=\"t2u_165\">(514) </span><span class=\"S3978 S27E S2\" id=\"t2v_165\">Switzerland / Zurich </span><span class=\"S3979 S27E S2\" id=\"t2w_165\">Computer programming activities </span><span class=\"S397A S27F S2\" id=\"t2x_165\">Packhelp Sp\u00f3\u0142ka Akcyjna </span><span class=\"S397B S27E S2\" id=\"t2y_165\">1,168 </span><span class=\"S397C S27E S2\" id=\"t2z_165\">3.15% </span><span class=\"S397D S27E S2\" id=\"t30_165\">(3,385) </span><span class=\"S397E S27E S2\" id=\"t31_165\">Poland / Warsaw </span><span class=\"S397F S27E S2\" id=\"t32_165\">Manufacture of corrugated paper and paperboard </span><span class=\"S3980 S27E S2\" id=\"t33_165\">and of containers of paper and paperboard </span><span class=\"S3981 S27E S2\" id=\"t34_165\">Phoenix Play Invest closed Co. Plc </span><span class=\"S3982 S27E S2\" id=\"t35_165\">2,350 </span><span class=\"S3983 S27E S2\" id=\"t36_165\">21.69% </span><span class=\"S3984 S27E S2\" id=\"t37_165\">(1) </span><span class=\"S3985 S27E S2\" id=\"t38_165\">Hungary /Budapest </span><span class=\"S3986 S27E S2\" id=\"t39_165\">Activities of holding companies </span><span class=\"S3987 S27E S2\" id=\"t3a_165\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3988 S27E S2\" id=\"t3b_165\">8,195 </span><span class=\"S3989 S27E S2\" id=\"t3c_165\">21.69% </span><span class=\"S398A S27E S2\" id=\"t3d_165\">792 </span><span class=\"S398B S27E S2\" id=\"t3e_165\">Hungary /Budapest </span><span class=\"S398C S27E S2\" id=\"t3f_165\">Activities of holding companies </span><span class=\"S398D S27E S2\" id=\"t3g_165\">NGY Propertiers Investment SRL </span><span class=\"S398E S27E S2\" id=\"t3h_165\">11,735 </span><span class=\"S398F S27E S2\" id=\"t3i_165\">14.54% </span><span class=\"S3990 S27E S2\" id=\"t3j_165\">(22,567) </span><span class=\"S3991 S27E S2\" id=\"t3k_165\">Romania / Bucharest </span><span class=\"S3992 S27E S2\" id=\"t3l_165\">Renting and operating of own or leased real estate </span><span class=\"S3993 S27E S2\" id=\"t3m_165\">Deligo Vision Technologies Ltd </span><span class=\"S3994 S27E S2\" id=\"t3n_165\">205 </span><span class=\"S3995 S27E S2\" id=\"t3o_165\">2.50% </span><span class=\"S3996 S27E S2\" id=\"t3p_165\">(15) </span><span class=\"S3997 S27E S2\" id=\"t3q_165\">Hungary /Budapest </span><span class=\"S3998 S27E S2\" id=\"t3r_165\">Other information service activities </span><span class=\"S3999 S27E S2\" id=\"t3s_165\">GRADUW Invest Closed Co. Plc </span><span class=\"S399A S27E S2\" id=\"t3t_165\">4,803 </span><span class=\"S399B S27E S2\" id=\"t3u_165\">3.81% </span><span class=\"S399C S27E S2\" id=\"t3v_165\">131 </span><span class=\"S399D S27E S2\" id=\"t3w_165\">Hungary /Budapest </span><span class=\"S399E S27E S2\" id=\"t3x_165\">Sale and purchase of own real estate </span><span class=\"S399F S27E S2\" id=\"t3y_165\">SEH-Partner Ltd </span><span class=\"S39A0 S27E S2\" id=\"t3z_165\">6,403 </span><span class=\"S39A1 S27E S2\" id=\"t40_165\">30.56% </span><span class=\"S39A2 S27E S2\" id=\"t41_165\">n.a. </span><span class=\"S39A3 S27E S2\" id=\"t42_165\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t43_165\">Activities of holding companies </span><span class=\"S39A5 S27F S2\" id=\"t44_165\">Simonyi \u00fat 20. Ingatlanhasznos\u00edt\u00f3 Ltd </span><span class=\"S39A6 S27E S2\" id=\"t45_165\">90 </span><span class=\"S39A7 S27E S2\" id=\"t46_165\">47.62% </span><span class=\"S39A8 S27E S2\" id=\"t47_165\">- </span><span class=\"S39A9 S27E S2\" id=\"t48_165\">Hungary /Debrecen </span><span class=\"S39AA S27E S2\" id=\"t49_165\">Renting and operating of own or leased real estate </span><span class=\"S39AB S27E S2\" id=\"t4a_165\">Fintech CEE Software Invest Ltd </span><span class=\"S39AC S27E S2\" id=\"t4b_165\">127 </span><span class=\"S39AD S27E S2\" id=\"t4c_165\">20.04% </span><span class=\"S39AE S27E S2\" id=\"t4d_165\">n.a. </span><span class=\"S39AF S27E S2\" id=\"t4e_165\">Hungary /Budapest </span><span class=\"S39B0 S27E S2\" id=\"t4f_165\">Activities of holding companies </span><span class=\"S39B1 S27E S2\" id=\"t4g_165\">New Frontier Technology Invest SARL </span><span class=\"S39B2 S27E S2\" id=\"t4h_165\">3,393 </span><span class=\"S39B3 S27E S2\" id=\"t4i_165\">14.01% </span><span class=\"S39B4 S27E S2\" id=\"t4j_165\">n.a. </span><span class=\"S39B5 S27E S2\" id=\"t4k_165\">Luxemburg / Luxembourg </span><span class=\"S39B6 S27E S2\" id=\"t4l_165\">Activities of holding companies </span><span class=\"S39B7 S27E S2\" id=\"t4m_165\">Mindgram sp. z.o.o </span><span class=\"S39B8 S27E S2\" id=\"t4n_165\">200 </span><span class=\"S39B9 S27E S2\" id=\"t4o_165\">2.38% </span><span class=\"S39BA S27E S2\" id=\"t4p_165\">(328) </span><span class=\"S39BB S27E S2\" id=\"t4q_165\">Poland / Warsaw </span><span class=\"S39BC S27E S2\" id=\"t4r_165\">Other human health activities </span><span class=\"S1123 SB S2\" id=\"t3_166\">NOTE 43: </span><span class=\"S38B0 SB S2\" id=\"t4_166\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S39BD SB S2\" id=\"t5_166\">Significant associates and joint ventures [continued] </span><span class=\"S39BE SA7 S2\" id=\"t6_166\">The Group made significant investments into associates during 2021. Venture capital funds under the control of the Group obtained ownership interest in Phoenix Play Invest </span><span class=\"S1FD1 SA7 S2\" id=\"t7_166\">Co.Plc, in Algorithmiq Invest Closed Co. Plc and in NGY Propertiers Investment SRL. </span><span class=\"S3918 S27D S2\" id=\"t8_166\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t9_166\">Carrying </span><span class=\"S39BF S27D S2\" id=\"ta_166\">amount </span><span class=\"S391B S27D S2\" id=\"tb_166\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tc_166\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"td_166\">Profit after </span><span class=\"S391E S27D S2\" id=\"te_166\">tax </span><span class=\"S391F S27D S2\" id=\"tf_166\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tg_166\">Activity </span><span class=\"S3921 S27E S2\" id=\"th_166\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"ti_166\">526 </span><span class=\"S3923 S27E S2\" id=\"tj_166\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tk_166\">(52) </span><span class=\"S3925 S27E S2\" id=\"tl_166\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tm_166\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tn_166\">OTP-</span><span class=\"S3928 S27F S2\" id=\"to_166\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"tp_166\">288 </span><span class=\"S392A S27E S2\" id=\"tq_166\">22.00% </span><span class=\"S392B S27E S2\" id=\"tr_166\">13 </span><span class=\"S392C S27E S2\" id=\"ts_166\">Hungary /Budapest </span><span class=\"S39C0 S27E S2\" id=\"tt_166\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tu_166\">D-</span><span class=\"S392F S27F S2\" id=\"tv_166\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tw_166\">- </span><span class=\"S3931 S27E S2\" id=\"tx_166\">46.99% </span><span class=\"S3932 S27E S2\" id=\"ty_166\">- </span><span class=\"S3933 S27F S2\" id=\"tz_166\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"t10_166\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t11_166\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t12_166\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t13_166\">392 </span><span class=\"S3938 S27E S2\" id=\"t14_166\">25.00% </span><span class=\"S39C1 S27E S2\" id=\"t15_166\">(183) </span><span class=\"S393A S27E S2\" id=\"t16_166\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t17_166\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t18_166\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t19_166\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t1a_166\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1b_166\">779 </span><span class=\"S3940 S27E S2\" id=\"t1c_166\">17.34% </span><span class=\"S3941 S27E S2\" id=\"t1d_166\">(293) </span><span class=\"S3942 S27E S2\" id=\"t1e_166\">Poland / Krakow </span><span class=\"S39C2 S27E S2\" id=\"t1f_166\">Computer programming activities </span><span class=\"S39C3 S27E S2\" id=\"t1g_166\">Graboplast Closed Co. Plc </span><span class=\"S39C4 S27E S2\" id=\"t1h_166\">700 </span><span class=\"S3946 S27E S2\" id=\"t1i_166\">7.00% </span><span class=\"S39C5 S27E S2\" id=\"t1j_166\">n.a. </span><span class=\"S39C6 S27E S2\" id=\"t1k_166\">Hungary / </span><span class=\"S39C7 S27F S2\" id=\"t1l_166\">Gy\u0151r </span><span class=\"S39C8 S27F S2\" id=\"t1m_166\">Manufacture of builders\u2019 ware of plastic </span><span class=\"S39C9 S27E S2\" id=\"t1n_166\">NovaKid Inc. </span><span class=\"S39CA S27E S2\" id=\"t1o_166\">2,006 </span><span class=\"S39CB S27E S2\" id=\"t1p_166\">4.17% </span><span class=\"S39CC S27E S2\" id=\"t1q_166\">(4,621) </span><span class=\"S39CD S27E S2\" id=\"t1r_166\">USA / San Francisco </span><span class=\"S39CE S27E S2\" id=\"t1s_166\">Online kids English learning platform operator </span><span class=\"S39CF S27E S2\" id=\"t1t_166\">Banzai Cloud Closed Co. Plc </span><span class=\"S39D0 S27E S2\" id=\"t1u_166\">374 </span><span class=\"S3952 S27E S2\" id=\"t1v_166\">17.42% </span><span class=\"S39D1 S27E S2\" id=\"t1w_166\">n.a. </span><span class=\"S3954 S27E S2\" id=\"t1x_166\">Hungary /Budapest </span><span class=\"S39D2 S27E S2\" id=\"t1y_166\">Computer programming activities </span><span class=\"S39D3 S27E S2\" id=\"t1z_166\">ClodeCool Ltd </span><span class=\"S3957 S27E S2\" id=\"t20_166\">1,770 </span><span class=\"S3958 S27E S2\" id=\"t21_166\">20.15% </span><span class=\"S39D4 S27E S2\" id=\"t22_166\">1 </span><span class=\"S39D5 S27E S2\" id=\"t23_166\">Hungary /Budapest </span><span class=\"S39D6 S27E S2\" id=\"t24_166\">Other education </span><span class=\"S39D7 S27E S2\" id=\"t25_166\">Pepita.hu Closed Co. Plc </span><span class=\"S39D8 S27E S2\" id=\"t26_166\">516 </span><span class=\"S395E S27E S2\" id=\"t27_166\">34.00% </span><span class=\"S39D9 S27E S2\" id=\"t28_166\">(132) </span><span class=\"S39DA S27E S2\" id=\"t29_166\">Hungary / Szeghalom </span><span class=\"S39DB S27E S2\" id=\"t2a_166\">Retail sale via mail order houses or via Internet </span><span class=\"S39DC S27E S2\" id=\"t2b_166\">Seon Holdings Ltd </span><span class=\"S3963 S27E S2\" id=\"t2c_166\">4,756 </span><span class=\"S3964 S27E S2\" id=\"t2d_166\">23.86% </span><span class=\"S39DD S27E S2\" id=\"t2e_166\">(4) </span><span class=\"S39DE S27E S2\" id=\"t2f_166\">UK / London </span><span class=\"S39DF S27E S2\" id=\"t2g_166\">Computer programming activities </span><span class=\"S39E0 S27E S2\" id=\"t2h_166\">Starschema Ltd </span><span class=\"S39E1 S27E S2\" id=\"t2i_166\">3,944 </span><span class=\"S39E2 S27E S2\" id=\"t2j_166\">36.19% </span><span class=\"S396B S27E S2\" id=\"t2k_166\">n.a. </span><span class=\"S39E3 S27E S2\" id=\"t2l_166\">Hungary /Budapest </span><span class=\"S39E4 S27E S2\" id=\"t2m_166\">Computer consultancy activities </span><span class=\"S39E5 S27E S2\" id=\"t2n_166\">VCC Live Group Closed Co. Plc </span><span class=\"S39E6 S27E S2\" id=\"t2o_166\">1,672 </span><span class=\"S3970 S27E S2\" id=\"t2p_166\">49.56% </span><span class=\"S39E7 S27E S2\" id=\"t2q_166\">(203) </span><span class=\"S39E8 S27E S2\" id=\"t2r_166\">Hungary /Budapest </span><span class=\"S39E9 S27E S2\" id=\"t2s_166\">Computer programming activities </span><span class=\"S39EA S27E S2\" id=\"t2t_166\">Virtual Solutaion Ltd </span><span class=\"S39EB S27E S2\" id=\"t2u_166\">n.a. </span><span class=\"S3976 S27E S2\" id=\"t2v_166\">8.33% </span><span class=\"S39EC S27E S2\" id=\"t2w_166\">n.a. </span><span class=\"S39ED S27E S2\" id=\"t2x_166\">Hungary /Budapest </span><span class=\"S3979 S27E S2\" id=\"t2y_166\">Computer programming activities </span><span class=\"S39EE S27E S2\" id=\"t2z_166\">Yieldigo s.r.o. </span><span class=\"S39EF S27E S2\" id=\"t30_166\">76 </span><span class=\"S397C S27E S2\" id=\"t31_166\">1.97% </span><span class=\"S39F0 S27E S2\" id=\"t32_166\">(168) </span><span class=\"S39F1 S27E S2\" id=\"t33_166\">Czech Republic / Prague </span><span class=\"S397F S27E S2\" id=\"t34_166\">Computer programming activities </span><span class=\"S39F2 S27E S2\" id=\"t35_166\">Szallas.hu Closed Co. Plc </span><span class=\"S39F3 S1F81 S2\" id=\"t36_166\">1 </span><span class=\"S39F4 S27E S2\" id=\"t37_166\">8,809 </span><span class=\"S39F5 S27E S2\" id=\"t38_166\">51.19% </span><span class=\"S39F6 S27E S2\" id=\"t39_166\">1,278 </span><span class=\"S39F7 S27E S2\" id=\"t3a_166\">Hungary / Miskolc </span><span class=\"S39F8 S27E S2\" id=\"t3b_166\">Web portals </span><span class=\"S39F9 S27E S2\" id=\"t3c_166\">Cursor Insight Ltd </span><span class=\"S39FA S27E S2\" id=\"t3d_166\">146 </span><span class=\"S39FB S27E S2\" id=\"t3e_166\">6.75% </span><span class=\"S39FC S27E S2\" id=\"t3f_166\">(247) </span><span class=\"S39FD S27E S2\" id=\"t3g_166\">UK / London </span><span class=\"S39FE S27E S2\" id=\"t3h_166\">Computer programming activities </span><span class=\"S39FF S27E S2\" id=\"t3i_166\">Fabetker Ltd </span><span class=\"S3A00 S27E S2\" id=\"t3j_166\">1 </span><span class=\"S3989 S27E S2\" id=\"t3k_166\">20.48% </span><span class=\"S398A S27E S2\" id=\"t3l_166\">132 </span><span class=\"S3A01 S27F S2\" id=\"t3m_166\">Hungary / N\u00e1dudvar </span><span class=\"S3A02 S27E S2\" id=\"t3n_166\">Manufacture of concrete products for construction purposes </span><span class=\"S3A03 S27E S2\" id=\"t3o_166\">OneSoil Ag. </span><span class=\"S3A04 S27E S2\" id=\"t3p_166\">318 </span><span class=\"S3A05 S27E S2\" id=\"t3q_166\">3.72% </span><span class=\"S3A06 S27E S2\" id=\"t3r_166\">(1,058) </span><span class=\"S3A07 S27E S2\" id=\"t3s_166\">Switzerland / Zurich </span><span class=\"S3A08 S27E S2\" id=\"t3t_166\">Computer programming activities </span><span class=\"S3A09 S27F S2\" id=\"t3u_166\">Packhelp Sp\u00f3\u0142ka </span><span class=\"S3A0A S27E S2\" id=\"t3v_166\">Akcyjna </span><span class=\"S3A0B S27E S2\" id=\"t3w_166\">2,160 </span><span class=\"S3995 S27E S2\" id=\"t3x_166\">1.00% </span><span class=\"S3A0C S27E S2\" id=\"t3y_166\">(3,038) </span><span class=\"S3A0D S27E S2\" id=\"t3z_166\">Poland / Warsaw </span><span class=\"S3A0E S27E S2\" id=\"t40_166\">Manufacture of corrugated paper and paperboard </span><span class=\"S3A0F S27E S2\" id=\"t41_166\">and of containers of paper and paperboard </span><span class=\"S3A10 S27E S2\" id=\"t42_166\">Phoenix Play Invest closed Co. Plc </span><span class=\"S39A0 S27E S2\" id=\"t43_166\">3,081 </span><span class=\"S39A1 S27E S2\" id=\"t44_166\">21.69% </span><span class=\"S3A11 S27E S2\" id=\"t45_166\">(1) </span><span class=\"S39A3 S27E S2\" id=\"t46_166\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t47_166\">Activities of holding companies </span><span class=\"S3A12 S27E S2\" id=\"t48_166\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3A13 S27E S2\" id=\"t49_166\">8,996 </span><span class=\"S39A7 S27E S2\" id=\"t4a_166\">21.69% </span><span class=\"S3A14 S27E S2\" id=\"t4b_166\">792 </span><span class=\"S3A15 S27E S2\" id=\"t4c_166\">Hungary /Budapest </span><span class=\"S3A16 S27E S2\" id=\"t4d_166\">Activities of holding companies </span><span class=\"S3A17 S27E S2\" id=\"t4e_166\">NGY Propertiers Investment SRL </span><span class=\"S3A18 S27E S2\" id=\"t4f_166\">12,331 </span><span class=\"S39AD S27E S2\" id=\"t4g_166\">14.54% </span><span class=\"S3A19 S27E S2\" id=\"t4h_166\">(22,567) </span><span class=\"S3A1A S27E S2\" id=\"t4i_166\">Romania / Bucharest </span><span class=\"S3A1B S27E S2\" id=\"t4j_166\">Renting and operating of own or leased real estate </span><span class=\"S3A1C S482 S2\" id=\"t4k_166\">1 </span><span class=\"S3A1D S483 S2\" id=\"t4l_166\">It does not control another entity even though it holds more than half of the voting rights. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6057": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_64\">NOTE 13: </span><span class=\"S10EA SB S2\" id=\"t4_64\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) </span><span class=\"S10EB SA7 S2\" id=\"t5_64\">There are different kinds of tangible and intangible assets held by the Group. In the followings there are presented </span><span class=\"S10EC SA7 S2\" id=\"t6_64\">reasons of the changes from opening values to closing ones in the gross values, the accumulated depreciation and </span><span class=\"S10ED SA7 S2\" id=\"t7_64\">amortization and in the impairment of the tangible and intangible assets in the Group. Here can be found </span><span class=\"S10EE SA7 S2\" id=\"t8_64\">information about the fair values of the tangible assets and gross amounts of those assets which were fully </span><span class=\"S8F2 SA7 S2\" id=\"t9_64\">depreciated but which are still in use. </span><span class=\"S10EF SA7 S2\" id=\"ta_64\">Carrying amount of the temporarily idle properties was HUF 3,466 million and HUF 3,057 million as at 31 </span><span class=\"S10F0 SA7 S2\" id=\"tb_64\">December 2022 and 31 December 2021, respectively. </span><span class=\"S10F1 SA7 S2\" id=\"tc_64\">There were no restrictions on title and properties, plants or equipment pledged as security for liabilities as at 31 </span><span class=\"S10F2 SA7 S2\" id=\"td_64\">December 2022 and 2021. </span><span class=\"S10F3 SA7 S2\" id=\"te_64\">As at 31 December 2022 and 2021 the amount of contractual commitments for the acquisition of tangible and </span><span class=\"S5C4 SA7 S2\" id=\"tf_64\">intangible assets was HUF 21,116 million and HUF 1,595 million, respectively. </span><span class=\"S10F4 SA7 S2\" id=\"tg_64\">Impairment for the properties in the current period was needed as a result of the valuation performed by using the </span><span class=\"S10F5 SA7 S2\" id=\"th_64\">comparative value method (market analogy method) with direct comparison to the market price of other similar </span><span class=\"S10F6 SA7 S2\" id=\"ti_64\">properties. Actual market transactions were used based on the 6-month period prior to the valuation date where </span><span class=\"S10F7 S5B9 S2\" id=\"tj_64\">the market price of the analogous property is adjusted by an expert coefficient for market adaptation (\u201cECMA\u201d). </span><span class=\"S10F8 SA7 S2\" id=\"tk_64\">Usually this range is from -25% to +25% and reflects the availability of sufficient market information for similar </span><span class=\"S10F9 SA7 S2\" id=\"tl_64\">items but at these properties ECMA exceeded this range where the circumstances were exceptional although by </span><span class=\"S10FA SA7 S2\" id=\"tm_64\">decision of the appraiser it was used only for unique properties with characteristics similar to the appraised ones, </span><span class=\"S6F5 SA7 S2\" id=\"tn_64\">for which no sufficient market analogues are available. The price was adjusted by coefficients reflecting the area, </span><span class=\"S10FB SA7 S2\" id=\"to_64\">location, size and structure of the property, as well as a weighing factor reflecting the weight of the selected market </span><span class=\"S10FC SA7 S2\" id=\"tp_64\">analogies in the determined fair value. </span><span class=\"S10FD SA7 S2\" id=\"tq_64\">The Bank decided that the recoverable amount of goodwill is determined based on fair value less cost of disposal. </span><span class=\"S10FE SA7 S2\" id=\"tr_64\">When the Bank prepares goodwill impairment tests of the subsidiaries, the two methods which are used based on </span><span class=\"S10FF SA7 S2\" id=\"ts_64\">discounted cash-flow calculation that shows the same result; however, they represent different economical logics. </span><span class=\"S1100 SA7 S2\" id=\"tt_64\">Based on the internal regulation of the Bank as at 31 December 2021 impairment test was prepared where a three- </span><span class=\"S1101 SA7 S2\" id=\"tu_64\">year cash-flow model was applied with an explicit period between 2022-2024. The basis for the estimation was </span><span class=\"S1102 SA7 S2\" id=\"tv_64\">the actual data of May 2022 and based on the prepared medium-term (2022-2024) forecasts. When the Bank </span><span class=\"S1103 SA7 S2\" id=\"tw_64\">prepared the calculations for the period 2022-2024, it considered the actual worldwide economic situations, the </span><span class=\"S1104 SA7 S2\" id=\"tx_64\">expected economic growth for the following years, their possible effects on the financial sector, the plans for </span><span class=\"S1105 SA7 S2\" id=\"ty_64\">growing which result from these, and the expected changes of the mentioned factors. </span><span class=\"SB35 SB S2\" id=\"tz_64\">Present value calculation with the Free Cash-Flow method </span><span class=\"S1106 SA7 S2\" id=\"t10_64\">The Bank calculated the expected cash-flow for the given period based on the expected after-tax profit of the </span><span class=\"S1107 SA7 S2\" id=\"t11_64\">companies. The calculation is highly sensitive to the level of discount rate and growth rate used. As discount factor </span><span class=\"S1108 SA7 S2\" id=\"t12_64\">the Bank uses a zero coupon yield curve derived by the Headquarter Asse-Liability Management department. This </span><span class=\"S1109 S5B9 S2\" id=\"t13_64\">zero coupon curve is estimated for each related countries, based on the countries\u2019 issued bonds and segmented by </span><span class=\"S110A S5B9 S2\" id=\"t14_64\">the issuances\u2019 currencies. By subsidiaries where </span><span class=\"S110B SA7 S2\" id=\"t15_64\">the yield curves were not available (Ukraine) the daily Overnight </span><span class=\"S110C SA7 S2\" id=\"t16_64\">deposit yield was used as a benchmark, provided by National Bank of Ukraine as currently the only available </span><span class=\"S110D SA7 S2\" id=\"t17_64\">proxy for the hryvnia rate. </span><span class=\"S110E SA7 S2\" id=\"t18_64\">The Bank calculated risk premiums on the basis of information from the country risk premiums that are published </span><span class=\"S110F SA7 S2\" id=\"t19_64\">by Aswath Damodaran </span><span class=\"S1110 S5B9 S2\" id=\"t1a_64\">\u2013 </span><span class=\"S1111 S5B9 S2\" id=\"t1b_64\">New York STERN University, according to the Bank\u2019s assumption the risk</span><span class=\"S1112 SA7 S2\" id=\"t1c_64\">-free interest </span><span class=\"S1113 SA7 S2\" id=\"t1d_64\">rate includes the country-dependent risks in an implicit way. </span><span class=\"S1114 SA7 S2\" id=\"t1e_64\">When the subsidiary owns subordinated debt, the discount rate is calculated as a weighted average of the expected </span><span class=\"S1115 S5B9 S2\" id=\"t1f_64\">return on equity presented previously and the subordinated debt\u2019s interest rate. At the end of the calculation, the </span><span class=\"S1116 SA7 S2\" id=\"t1g_64\">value of subordinated debt is being subtracted from t </span><span class=\"S1117 S5B9 S2\" id=\"t1h_64\">he valuations\u2019 result. </span><span class=\"S1118 SA7 S2\" id=\"t1i_64\">The growth rate in the explicit period is the growth rate of the profit after tax adjusted by the interest rate of the </span><span class=\"S1119 SA7 S2\" id=\"t1j_64\">cash and subordinated loans. The supposed growth rates for the periods of residual values reflect the long-term </span><span class=\"S111A SA7 S2\" id=\"t1k_64\">economic expectations in case of every country. </span><span class=\"S111B SA7 S2\" id=\"t1l_64\">The values of the subsidiaries in the FCF method were then calculated as the sum of the discounted cash-flows of </span><span class=\"S111C SA7 S2\" id=\"t1m_64\">the explicit period, the present value of the terminal values and the initial free capital assuming an effective capital </span><span class=\"S111D SA7 S2\" id=\"t1n_64\">structure. </span><span class=\"S111E SB S2\" id=\"t1o_64\">Summary of the impairment test for the year ended 31 December 2022 and 2021 </span><span class=\"S111F SA7 S2\" id=\"t1p_64\">Based on the valuations of the subsidiaries for the year ended 31 December 2022 67,715 million HUF goodwill </span><span class=\"S1120 SA7 S2\" id=\"t1q_64\">impairment was needed to be recorde</span><span class=\"S1121 S5B9 S2\" id=\"t1r_64\">d by the Group for JSC \u201cOTP Bank\u201d (Russia) while for the year ended 31 </span><span class=\"S1122 SA7 S2\" id=\"t1s_64\">December 2021 no goodwill impairment was needed to be recorded by the Group. </span><span class=\"S1123 SB S2\" id=\"t3_65\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_65\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1125 SB S2\" id=\"t5_65\">For the year ended 31 December 2022 </span><span class=\"S1126 SB S2\" id=\"t6_65\">Cost </span><span class=\"S1127 SB S2\" id=\"t7_65\">Intangible </span><span class=\"S1128 SB S2\" id=\"t8_65\">assets </span><span class=\"S1129 SB S2\" id=\"t9_65\">Goodwill </span><span class=\"S112A SB S2\" id=\"ta_65\">Property </span><span class=\"S112B SB S2\" id=\"tb_65\">Machinery and </span><span class=\"S112C SB S2\" id=\"tc_65\">office equipment </span><span class=\"S112D SB S2\" id=\"td_65\">Vehicle </span><span class=\"S112E SB S2\" id=\"te_65\">Construction in </span><span class=\"S112F SB S2\" id=\"tf_65\">progress </span><span class=\"S1130 SB S2\" id=\"tg_65\">Tangible assets subject </span><span class=\"S1131 SB S2\" id=\"th_65\">to operating lease </span><span class=\"S1132 SB S2\" id=\"ti_65\">Total </span><span class=\"S1133 SB S2\" id=\"tj_65\">Balance as at 1 January </span><span class=\"S1134 SB S2\" id=\"tk_65\">408,003 </span><span class=\"S1135 SB S2\" id=\"tl_65\">105,640 </span><span class=\"S1136 SB S2\" id=\"tm_65\">304,922 </span><span class=\"S1137 SB S2\" id=\"tn_65\">243,731 </span><span class=\"S1138 SB S2\" id=\"to_65\">41,252 </span><span class=\"S1139 SB S2\" id=\"tp_65\">67,657 </span><span class=\"S113A SB S2\" id=\"tq_65\">30,833 </span><span class=\"S113B SB S2\" id=\"tr_65\">1,202,038 </span><span class=\"S113C SA7 S2\" id=\"ts_65\">Increase due to acquisition </span><span class=\"S113D SA7 S2\" id=\"tt_65\">706 </span><span class=\"S113E SA7 S2\" id=\"tu_65\">478 </span><span class=\"S113F SA7 S2\" id=\"tv_65\">933 </span><span class=\"S1140 SA7 S2\" id=\"tw_65\">522 </span><span class=\"S1141 SA7 S2\" id=\"tx_65\">- </span><span class=\"S1142 SA7 S2\" id=\"ty_65\">- </span><span class=\"S1143 SA7 S2\" id=\"tz_65\">- </span><span class=\"S1144 SA7 S2\" id=\"t10_65\">2,639 </span><span class=\"S1145 SA7 S2\" id=\"t11_65\">Additions </span><span class=\"S1146 SA7 S2\" id=\"t12_65\">111,397 </span><span class=\"S1147 SA7 S2\" id=\"t13_65\">- </span><span class=\"S1148 SA7 S2\" id=\"t14_65\">66,034 </span><span class=\"S1149 SA7 S2\" id=\"t15_65\">29,709 </span><span class=\"S114A SA7 S2\" id=\"t16_65\">2,728 </span><span class=\"S114B SA7 S2\" id=\"t17_65\">79,638 </span><span class=\"S114C SA7 S2\" id=\"t18_65\">12,892 </span><span class=\"S114D SA7 S2\" id=\"t19_65\">302,398 </span><span class=\"S114E SA7 S2\" id=\"t1a_65\">Foreign currency </span><span class=\"S114F SA7 S2\" id=\"t1b_65\">translation differences </span><span class=\"S1150 SA7 S2\" id=\"t1c_65\">16,350 </span><span class=\"S1151 SA7 S2\" id=\"t1d_65\">3,067 </span><span class=\"S1152 SA7 S2\" id=\"t1e_65\">15,936 </span><span class=\"S1153 SA7 S2\" id=\"t1f_65\">10,951 </span><span class=\"S1154 SA7 S2\" id=\"t1g_65\">408 </span><span class=\"S1155 SA7 S2\" id=\"t1h_65\">316 </span><span class=\"S1156 SA7 S2\" id=\"t1i_65\">1,952 </span><span class=\"S1157 SA7 S2\" id=\"t1j_65\">48,980 </span><span class=\"S1158 SA7 S2\" id=\"t1k_65\">Disposals </span><span class=\"S1159 SA7 S2\" id=\"t1l_65\">(65,036) </span><span class=\"S115A SA7 S2\" id=\"t1m_65\">(12,060) </span><span class=\"S115B SA7 S2\" id=\"t1n_65\">(13,034) </span><span class=\"S115C SA7 S2\" id=\"t1o_65\">(1,100) </span><span class=\"S115D SA7 S2\" id=\"t1p_65\">(94,067) </span><span class=\"S115E SA7 S2\" id=\"t1q_65\">(14,471) </span><span class=\"S115F SA7 S2\" id=\"t1r_65\">(199,768) </span><span class=\"SAF7 SB S2\" id=\"t1s_65\">Closing balance </span><span class=\"S1160 SB S2\" id=\"t1t_65\">471,420 </span><span class=\"S1161 SB S2\" id=\"t1u_65\">109,185 </span><span class=\"S1162 SB S2\" id=\"t1v_65\">375,765 </span><span class=\"S1163 SB S2\" id=\"t1w_65\">271,879 </span><span class=\"S1164 SB S2\" id=\"t1x_65\">43,288 </span><span class=\"S1165 SB S2\" id=\"t1y_65\">53,544 </span><span class=\"S1166 SB S2\" id=\"t1z_65\">31,206 </span><span class=\"S1167 SB S2\" id=\"t20_65\">1,356,287 </span><span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1123 SB S2\" id=\"t3_66\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_66\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1196 SB S2\" id=\"t5_66\">For the year ended 31 December 2022 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_66\">Impairment </span><span class=\"S1198 SB S2\" id=\"t7_66\">Intangible </span><span class=\"S1199 SB S2\" id=\"t8_66\">assets </span><span class=\"S119A SB S2\" id=\"t9_66\">Goodwill </span><span class=\"S119B SB S2\" id=\"ta_66\">Property </span><span class=\"S119C SB S2\" id=\"tb_66\">Machinery and </span><span class=\"S119D SB S2\" id=\"tc_66\">office equipment </span><span class=\"S119E SB S2\" id=\"td_66\">Tangible assets subject </span><span class=\"S119F SB S2\" id=\"te_66\">to operating lease </span><span class=\"S11A0 SB S2\" id=\"tf_66\">Total </span><span class=\"S11A1 SB S2\" id=\"tg_66\">Balance as at 1 January </span><span class=\"S11A2 SB S2\" id=\"th_66\">2,705 </span><span class=\"S11A3 SB S2\" id=\"ti_66\">- </span><span class=\"S11A4 SB S2\" id=\"tj_66\">3,553 </span><span class=\"S11A5 SB S2\" id=\"tk_66\">43 </span><span class=\"S11A6 SB S2\" id=\"tl_66\">137 </span><span class=\"S11A7 SB S2\" id=\"tm_66\">6,438 </span><span class=\"S11A8 SA7 S2\" id=\"tn_66\">Impairment for the period </span><span class=\"S11A9 SA7 S2\" id=\"to_66\">37 </span><span class=\"S11AA SA7 S2\" id=\"tp_66\">67,715 </span><span class=\"S11AB SA7 S2\" id=\"tq_66\">590 </span><span class=\"S11AC SA7 S2\" id=\"tr_66\">- </span><span class=\"S11AD SA7 S2\" id=\"ts_66\">- </span><span class=\"S11AE SA7 S2\" id=\"tt_66\">68,342 </span><span class=\"S6CB SA7 S2\" id=\"tu_66\">Release of impairment for the period </span><span class=\"S11AF SA7 S2\" id=\"tv_66\">- </span><span class=\"S11B0 SA7 S2\" id=\"tw_66\">- </span><span class=\"S11B1 SA7 S2\" id=\"tx_66\">- </span><span class=\"S11B2 SA7 S2\" id=\"ty_66\">(122) </span><span class=\"S11B3 SA7 S2\" id=\"tz_66\">(122) </span><span class=\"S11B4 SA7 S2\" id=\"t10_66\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"t11_66\">translation differences </span><span class=\"S11B6 SA7 S2\" id=\"t12_66\">54 </span><span class=\"S11B7 SA7 S2\" id=\"t13_66\">(26,849) </span><span class=\"S11B8 SA7 S2\" id=\"t14_66\">258 </span><span class=\"S11B9 SA7 S2\" id=\"t15_66\">3 </span><span class=\"S11BA SA7 S2\" id=\"t16_66\">7 </span><span class=\"S11BB SA7 S2\" id=\"t17_66\">(26,527) </span><span class=\"S11BC SA7 S2\" id=\"t18_66\">Use of impairment </span><span class=\"S11BD SA7 S2\" id=\"t19_66\">- </span><span class=\"S11BE SA7 S2\" id=\"t1a_66\">(150) </span><span class=\"S11BF SA7 S2\" id=\"t1b_66\">- </span><span class=\"S11C0 SA7 S2\" id=\"t1c_66\">(3) </span><span class=\"S11C1 SA7 S2\" id=\"t1d_66\">(153) </span><span class=\"S11C2 SB S2\" id=\"t1e_66\">Closing balance </span><span class=\"S11C3 SB S2\" id=\"t1f_66\">2,796 </span><span class=\"S11C4 SB S2\" id=\"t1g_66\">40,866 </span><span class=\"S11C5 SB S2\" id=\"t1h_66\">4,251 </span><span class=\"S11C6 SB S2\" id=\"t1i_66\">46 </span><span class=\"S11C7 SB S2\" id=\"t1j_66\">19 </span><span class=\"S11C8 SB S2\" id=\"t1k_66\">47,978 </span><span class=\"S11C9 SB S2\" id=\"t1l_66\">Intangible </span><span class=\"S11CA SB S2\" id=\"t1m_66\">assets </span><span class=\"S11CB SB S2\" id=\"t1n_66\">Goodwill </span><span class=\"S11CC SB S2\" id=\"t1o_66\">Property </span><span class=\"S11CD SB S2\" id=\"t1p_66\">Machinery and </span><span class=\"S11CE SB S2\" id=\"t1q_66\">office equipment </span><span class=\"S11CF SB S2\" id=\"t1r_66\">Vehicle </span><span class=\"S11D0 SB S2\" id=\"t1s_66\">Construction </span><span class=\"S11D1 SB S2\" id=\"t1t_66\">in progress </span><span class=\"S11D2 SB S2\" id=\"t1u_66\">Tangible assets subject </span><span class=\"S11D3 SB S2\" id=\"t1v_66\">to operating lease </span><span class=\"S11D4 SB S2\" id=\"t1w_66\">Total </span><span class=\"S11D5 SB S2\" id=\"t1x_66\">Carrying value </span><span class=\"S11D6 SB S2\" id=\"t1y_66\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t1z_66\">142,991 </span><span class=\"S11D8 SB S2\" id=\"t20_66\">105,640 </span><span class=\"S11D9 SB S2\" id=\"t21_66\">217,662 </span><span class=\"S11DA SB S2\" id=\"t22_66\">70,550 </span><span class=\"S11DB SB S2\" id=\"t23_66\">34,064 </span><span class=\"S11DC SB S2\" id=\"t24_66\">67,657 </span><span class=\"S11DD SB S2\" id=\"t25_66\">21,203 </span><span class=\"S11DE SB S2\" id=\"t26_66\">659,767 </span><span class=\"S11DF SB S2\" id=\"t27_66\">Closing balance </span><span class=\"S11E0 SB S2\" id=\"t28_66\">168,712 </span><span class=\"S11E1 SB S2\" id=\"t29_66\">68,319 </span><span class=\"S11E2 SB S2\" id=\"t2a_66\">278,226 </span><span class=\"S11E3 SB S2\" id=\"t2b_66\">76,219 </span><span class=\"S11E4 SB S2\" id=\"t2c_66\">34,148 </span><span class=\"S11E5 SB S2\" id=\"t2d_66\">53,544 </span><span class=\"S11E6 SB S2\" id=\"t2e_66\">22,332 </span><span class=\"S11E7 SB S2\" id=\"t2f_66\">701,500 </span><span class=\"S11E8 SB S2\" id=\"t2g_66\">Fair values </span><span class=\"S11E9 SB S2\" id=\"t2h_66\">- </span><span class=\"S11EA SB S2\" id=\"t2i_66\">- </span><span class=\"S11EB SB S2\" id=\"t2j_66\">308,375 </span><span class=\"S11EC SB S2\" id=\"t2k_66\">76,230 </span><span class=\"S11ED SB S2\" id=\"t2l_66\">34,122 </span><span class=\"S11EE SB S2\" id=\"t2m_66\">- </span><span class=\"S11EF SB S2\" id=\"t2n_66\">22,351 </span><span class=\"S11F0 SB S2\" id=\"t2o_66\">441,078 </span><span class=\"S11F1 SB S2\" id=\"t2p_66\">Gross amount of the fully </span><span class=\"S11F2 SB S2\" id=\"t2q_66\">depreciated assets that </span><span class=\"S11F3 SB S2\" id=\"t2r_66\">are still in use </span><span class=\"S11F4 SB S2\" id=\"t2s_66\">152,718 </span><span class=\"S11F5 SB S2\" id=\"t2t_66\">- </span><span class=\"S11F6 SB S2\" id=\"t2u_66\">26,007 </span><span class=\"S11F7 SB S2\" id=\"t2v_66\">144,310 </span><span class=\"S11F8 SB S2\" id=\"t2w_66\">1,504 </span><span class=\"S11F9 SB S2\" id=\"t2x_66\">- </span><span class=\"S11FA SB S2\" id=\"t2y_66\">- </span><span class=\"S11FB SB S2\" id=\"t2z_66\">324,539 </span><span class=\"S1123 SB S2\" id=\"t3_68\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_68\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1263 SB S2\" id=\"t5_68\">For the year ended 31 December 2021 </span><span class=\"S1264 SB S2\" id=\"t6_68\">Cost </span><span class=\"S1265 SB S2\" id=\"t7_68\">Intangible </span><span class=\"S1266 SB S2\" id=\"t8_68\">assets </span><span class=\"S1267 SB S2\" id=\"t9_68\">Goodwill </span><span class=\"S1268 SB S2\" id=\"ta_68\">Property </span><span class=\"S1269 SB S2\" id=\"tb_68\">Machinery and </span><span class=\"S126A SB S2\" id=\"tc_68\">office equipment </span><span class=\"S126B SB S2\" id=\"td_68\">Vehicle </span><span class=\"S126C SB S2\" id=\"te_68\">Construction </span><span class=\"S126D SB S2\" id=\"tf_68\">in progress </span><span class=\"S126E SB S2\" id=\"tg_68\">Tangible assets subject </span><span class=\"S126F SB S2\" id=\"th_68\">to operating lease </span><span class=\"S1270 SB S2\" id=\"ti_68\">Total </span><span class=\"S11A1 SB S2\" id=\"tj_68\">Balance as at 1 January </span><span class=\"S1271 SB S2\" id=\"tk_68\">364,495 </span><span class=\"S1272 SB S2\" id=\"tl_68\">101,393 </span><span class=\"S1273 SB S2\" id=\"tm_68\">285,506 </span><span class=\"S1274 SB S2\" id=\"tn_68\">212,105 </span><span class=\"S1275 SB S2\" id=\"to_68\">23,893 </span><span class=\"S1276 SB S2\" id=\"tp_68\">23,403 </span><span class=\"S1277 SB S2\" id=\"tq_68\">28,926 </span><span class=\"S1278 SB S2\" id=\"tr_68\">1,039,721 </span><span class=\"S1279 SA7 S2\" id=\"ts_68\">Increase due to acquisition </span><span class=\"S127A SA7 S2\" id=\"tt_68\">- </span><span class=\"S127B SA7 S2\" id=\"tu_68\">Additions </span><span class=\"S127C SA7 S2\" id=\"tv_68\">90,887 </span><span class=\"S127D SA7 S2\" id=\"tw_68\">- </span><span class=\"S127E SA7 S2\" id=\"tx_68\">28,684 </span><span class=\"S127F SA7 S2\" id=\"ty_68\">37,266 </span><span class=\"S1280 SA7 S2\" id=\"tz_68\">19,135 </span><span class=\"S1281 SA7 S2\" id=\"t10_68\">111,316 </span><span class=\"S1282 SA7 S2\" id=\"t11_68\">13,427 </span><span class=\"S1283 SA7 S2\" id=\"t12_68\">300,715 </span><span class=\"S11B4 SA7 S2\" id=\"t13_68\">Foreign currency </span><span class=\"S1284 SA7 S2\" id=\"t14_68\">translation differences </span><span class=\"S1285 SA7 S2\" id=\"t15_68\">4,656 </span><span class=\"S1286 SA7 S2\" id=\"t16_68\">4,247 </span><span class=\"S1287 SA7 S2\" id=\"t17_68\">3,609 </span><span class=\"S1288 SA7 S2\" id=\"t18_68\">3,237 </span><span class=\"S1289 SA7 S2\" id=\"t19_68\">163 </span><span class=\"S128A SA7 S2\" id=\"t1a_68\">136 </span><span class=\"S128B SA7 S2\" id=\"t1b_68\">422 </span><span class=\"S128C SA7 S2\" id=\"t1c_68\">16,470 </span><span class=\"S128D SA7 S2\" id=\"t1d_68\">Disposals </span><span class=\"S128E SA7 S2\" id=\"t1e_68\">(52,035) </span><span class=\"S128F SA7 S2\" id=\"t1f_68\">- </span><span class=\"S1290 SA7 S2\" id=\"t1g_68\">(12,877) </span><span class=\"S1291 SA7 S2\" id=\"t1h_68\">(8,877) </span><span class=\"S1292 SA7 S2\" id=\"t1i_68\">(1,939) </span><span class=\"S1293 SA7 S2\" id=\"t1j_68\">(67,198) </span><span class=\"S1294 SA7 S2\" id=\"t1k_68\">(11,942) </span><span class=\"S1295 SA7 S2\" id=\"t1l_68\">(154,868) </span><span class=\"S11C2 SB S2\" id=\"t1m_68\">Closing balance </span><span class=\"S1296 SB S2\" id=\"t1n_68\">408,003 </span><span class=\"S1297 SB S2\" id=\"t1o_68\">105,640 </span><span class=\"S1298 SB S2\" id=\"t1p_68\">304,922 </span><span class=\"S1299 SB S2\" id=\"t1q_68\">243,731 </span><span class=\"S129A SB S2\" id=\"t1r_68\">41,252 </span><span class=\"S129B SB S2\" id=\"t1s_68\">67,657 </span><span class=\"S129C SB S2\" id=\"t1t_68\">30,833 </span><span class=\"S129D SB S2\" id=\"t1u_68\">1,202,038 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span><span class=\"S1123 SB S2\" id=\"t3_69\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_69\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_69\">For the year ended 31 December 2021 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_69\">Impairment </span><span class=\"S12CB SB S2\" id=\"t7_69\">Intangible </span><span class=\"S12CC SB S2\" id=\"t8_69\">assets </span><span class=\"S12CD SB S2\" id=\"t9_69\">Property </span><span class=\"S12CE SB S2\" id=\"ta_69\">Machinery and </span><span class=\"S12CF SB S2\" id=\"tb_69\">office equipment </span><span class=\"S12D0 SB S2\" id=\"tc_69\">Tangible assets subject </span><span class=\"S12D1 SB S2\" id=\"td_69\">to operating lease </span><span class=\"S12D2 SB S2\" id=\"te_69\">Total </span><span class=\"S11A1 SB S2\" id=\"tf_69\">Balance as at 1 January </span><span class=\"S12D3 SB S2\" id=\"tg_69\">2,704 </span><span class=\"S12D4 SB S2\" id=\"th_69\">1,122 </span><span class=\"S12D5 SB S2\" id=\"ti_69\">42 </span><span class=\"S12D6 SB S2\" id=\"tj_69\">338 </span><span class=\"S12D7 SB S2\" id=\"tk_69\">4,206 </span><span class=\"S11A8 SA7 S2\" id=\"tl_69\">Impairment for the period </span><span class=\"S12D8 SA7 S2\" id=\"tm_69\">- </span><span class=\"S12D9 SA7 S2\" id=\"tn_69\">2,967 </span><span class=\"S12DA SA7 S2\" id=\"to_69\">- </span><span class=\"S12DB SA7 S2\" id=\"tp_69\">9 </span><span class=\"S12DC SA7 S2\" id=\"tq_69\">2,976 </span><span class=\"S12DD SA7 S2\" id=\"tr_69\">Release of impairment for the period </span><span class=\"S12DE SA7 S2\" id=\"ts_69\">- </span><span class=\"S12DF SA7 S2\" id=\"tt_69\">- </span><span class=\"S12E0 SA7 S2\" id=\"tu_69\">- </span><span class=\"S12E1 SA7 S2\" id=\"tv_69\">(204) </span><span class=\"S12E2 SA7 S2\" id=\"tw_69\">(204) </span><span class=\"S11B4 SA7 S2\" id=\"tx_69\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"ty_69\">translation differences </span><span class=\"S12E3 SA7 S2\" id=\"tz_69\">5 </span><span class=\"S12E4 SA7 S2\" id=\"t10_69\">55 </span><span class=\"S12E5 SA7 S2\" id=\"t11_69\">6 </span><span class=\"S12E6 SA7 S2\" id=\"t12_69\">(1) </span><span class=\"S12E7 SA7 S2\" id=\"t13_69\">65 </span><span class=\"S11BC SA7 S2\" id=\"t14_69\">Use of impairment </span><span class=\"S12E8 SA7 S2\" id=\"t15_69\">(4) </span><span class=\"S12E9 SA7 S2\" id=\"t16_69\">(591) </span><span class=\"S12EA SA7 S2\" id=\"t17_69\">(5) </span><span class=\"S1293 SA7 S2\" id=\"t18_69\">(5) </span><span class=\"S12EB SA7 S2\" id=\"t19_69\">(605) </span><span class=\"S11C2 SB S2\" id=\"t1a_69\">Closing balance </span><span class=\"S12EC SB S2\" id=\"t1b_69\">2,705 </span><span class=\"S12ED SB S2\" id=\"t1c_69\">3,553 </span><span class=\"S12EE SB S2\" id=\"t1d_69\">43 </span><span class=\"S12EF SB S2\" id=\"t1e_69\">137 </span><span class=\"S12F0 SB S2\" id=\"t1f_69\">6,438 </span><span class=\"S12F1 SB S2\" id=\"t1g_69\">Intangible </span><span class=\"S12F2 SB S2\" id=\"t1h_69\">assets </span><span class=\"S12F3 SB S2\" id=\"t1i_69\">Goodwill </span><span class=\"S12F4 SB S2\" id=\"t1j_69\">Property </span><span class=\"S12F5 SB S2\" id=\"t1k_69\">Machinery and </span><span class=\"S12F6 SB S2\" id=\"t1l_69\">office equipment </span><span class=\"S12F7 SB S2\" id=\"t1m_69\">Vehicle </span><span class=\"S12F8 SB S2\" id=\"t1n_69\">Construction in </span><span class=\"S12F9 SB S2\" id=\"t1o_69\">progress </span><span class=\"S12FA SB S2\" id=\"t1p_69\">Tangible assets subject </span><span class=\"S12FB SB S2\" id=\"t1q_69\">to operating lease </span><span class=\"S12FC SB S2\" id=\"t1r_69\">Total </span><span class=\"S12FD SB S2\" id=\"t1s_69\">Carrying value </span><span class=\"S12FE SB S2\" id=\"t1t_69\">Balance as at 1 January </span><span class=\"S12FF SB S2\" id=\"t1u_69\">137,611 </span><span class=\"S1300 SB S2\" id=\"t1v_69\">101,393 </span><span class=\"S1301 SB S2\" id=\"t1w_69\">206,631 </span><span class=\"S1302 SB S2\" id=\"t1x_69\">56,771 </span><span class=\"S1303 SB S2\" id=\"t1y_69\">17,652 </span><span class=\"S1304 SB S2\" id=\"t1z_69\">23,403 </span><span class=\"S1305 SB S2\" id=\"t20_69\">18,309 </span><span class=\"S1306 SB S2\" id=\"t21_69\">561,770 </span><span class=\"S1307 SB S2\" id=\"t22_69\">Closing balance </span><span class=\"S1308 SB S2\" id=\"t23_69\">142,991 </span><span class=\"S1309 SB S2\" id=\"t24_69\">105,640 </span><span class=\"S130A SB S2\" id=\"t25_69\">217,662 </span><span class=\"S130B SB S2\" id=\"t26_69\">70,550 </span><span class=\"S130C SB S2\" id=\"t27_69\">34,064 </span><span class=\"S130D SB S2\" id=\"t28_69\">67,657 </span><span class=\"S130E SB S2\" id=\"t29_69\">21,203 </span><span class=\"S130F SB S2\" id=\"t2a_69\">659,767 </span><span class=\"S1310 SB S2\" id=\"t2b_69\">Fair values </span><span class=\"S1311 SB S2\" id=\"t2c_69\">- </span><span class=\"S1312 SB S2\" id=\"t2d_69\">- </span><span class=\"S1313 SB S2\" id=\"t2e_69\">247,754 </span><span class=\"S1314 SB S2\" id=\"t2f_69\">70,258 </span><span class=\"S1315 SB S2\" id=\"t2g_69\">34,063 </span><span class=\"S1316 SB S2\" id=\"t2h_69\">- </span><span class=\"S1317 SB S2\" id=\"t2i_69\">21,339 </span><span class=\"S1318 SB S2\" id=\"t2j_69\">373,414 </span><span class=\"S1319 SB S2\" id=\"t2k_69\">Gross amount of the fully </span><span class=\"S131A SB S2\" id=\"t2l_69\">depreciated assets that </span><span class=\"S131B SB S2\" id=\"t2m_69\">are still in use </span><span class=\"S131C SB S2\" id=\"t2n_69\">129,805 </span><span class=\"S131D SB S2\" id=\"t2o_69\">- </span><span class=\"S131E SB S2\" id=\"t2p_69\">25,396 </span><span class=\"S131F SB S2\" id=\"t2q_69\">132,611 </span><span class=\"S1320 SB S2\" id=\"t2r_69\">924 </span><span class=\"S1321 SB S2\" id=\"t2s_69\">- </span><span class=\"S1322 SB S2\" id=\"t2t_69\">- </span><span class=\"S1323 SB S2\" id=\"t2u_69\">288,736 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6059": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_64\">NOTE 13: </span><span class=\"S10EA SB S2\" id=\"t4_64\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) </span><span class=\"S10EB SA7 S2\" id=\"t5_64\">There are different kinds of tangible and intangible assets held by the Group. In the followings there are presented </span><span class=\"S10EC SA7 S2\" id=\"t6_64\">reasons of the changes from opening values to closing ones in the gross values, the accumulated depreciation and </span><span class=\"S10ED SA7 S2\" id=\"t7_64\">amortization and in the impairment of the tangible and intangible assets in the Group. Here can be found </span><span class=\"S10EE SA7 S2\" id=\"t8_64\">information about the fair values of the tangible assets and gross amounts of those assets which were fully </span><span class=\"S8F2 SA7 S2\" id=\"t9_64\">depreciated but which are still in use. </span><span class=\"S10EF SA7 S2\" id=\"ta_64\">Carrying amount of the temporarily idle properties was HUF 3,466 million and HUF 3,057 million as at 31 </span><span class=\"S10F0 SA7 S2\" id=\"tb_64\">December 2022 and 31 December 2021, respectively. </span><span class=\"S10F1 SA7 S2\" id=\"tc_64\">There were no restrictions on title and properties, plants or equipment pledged as security for liabilities as at 31 </span><span class=\"S10F2 SA7 S2\" id=\"td_64\">December 2022 and 2021. </span><span class=\"S10F3 SA7 S2\" id=\"te_64\">As at 31 December 2022 and 2021 the amount of contractual commitments for the acquisition of tangible and </span><span class=\"S5C4 SA7 S2\" id=\"tf_64\">intangible assets was HUF 21,116 million and HUF 1,595 million, respectively. </span><span class=\"S10F4 SA7 S2\" id=\"tg_64\">Impairment for the properties in the current period was needed as a result of the valuation performed by using the </span><span class=\"S10F5 SA7 S2\" id=\"th_64\">comparative value method (market analogy method) with direct comparison to the market price of other similar </span><span class=\"S10F6 SA7 S2\" id=\"ti_64\">properties. Actual market transactions were used based on the 6-month period prior to the valuation date where </span><span class=\"S10F7 S5B9 S2\" id=\"tj_64\">the market price of the analogous property is adjusted by an expert coefficient for market adaptation (\u201cECMA\u201d). </span><span class=\"S10F8 SA7 S2\" id=\"tk_64\">Usually this range is from -25% to +25% and reflects the availability of sufficient market information for similar </span><span class=\"S10F9 SA7 S2\" id=\"tl_64\">items but at these properties ECMA exceeded this range where the circumstances were exceptional although by </span><span class=\"S10FA SA7 S2\" id=\"tm_64\">decision of the appraiser it was used only for unique properties with characteristics similar to the appraised ones, </span><span class=\"S6F5 SA7 S2\" id=\"tn_64\">for which no sufficient market analogues are available. The price was adjusted by coefficients reflecting the area, </span><span class=\"S10FB SA7 S2\" id=\"to_64\">location, size and structure of the property, as well as a weighing factor reflecting the weight of the selected market </span><span class=\"S10FC SA7 S2\" id=\"tp_64\">analogies in the determined fair value. </span><span class=\"S10FD SA7 S2\" id=\"tq_64\">The Bank decided that the recoverable amount of goodwill is determined based on fair value less cost of disposal. </span><span class=\"S10FE SA7 S2\" id=\"tr_64\">When the Bank prepares goodwill impairment tests of the subsidiaries, the two methods which are used based on </span><span class=\"S10FF SA7 S2\" id=\"ts_64\">discounted cash-flow calculation that shows the same result; however, they represent different economical logics. </span><span class=\"S1100 SA7 S2\" id=\"tt_64\">Based on the internal regulation of the Bank as at 31 December 2021 impairment test was prepared where a three- </span><span class=\"S1101 SA7 S2\" id=\"tu_64\">year cash-flow model was applied with an explicit period between 2022-2024. The basis for the estimation was </span><span class=\"S1102 SA7 S2\" id=\"tv_64\">the actual data of May 2022 and based on the prepared medium-term (2022-2024) forecasts. When the Bank </span><span class=\"S1103 SA7 S2\" id=\"tw_64\">prepared the calculations for the period 2022-2024, it considered the actual worldwide economic situations, the </span><span class=\"S1104 SA7 S2\" id=\"tx_64\">expected economic growth for the following years, their possible effects on the financial sector, the plans for </span><span class=\"S1105 SA7 S2\" id=\"ty_64\">growing which result from these, and the expected changes of the mentioned factors. </span><span class=\"SB35 SB S2\" id=\"tz_64\">Present value calculation with the Free Cash-Flow method </span><span class=\"S1106 SA7 S2\" id=\"t10_64\">The Bank calculated the expected cash-flow for the given period based on the expected after-tax profit of the </span><span class=\"S1107 SA7 S2\" id=\"t11_64\">companies. The calculation is highly sensitive to the level of discount rate and growth rate used. As discount factor </span><span class=\"S1108 SA7 S2\" id=\"t12_64\">the Bank uses a zero coupon yield curve derived by the Headquarter Asse-Liability Management department. This </span><span class=\"S1109 S5B9 S2\" id=\"t13_64\">zero coupon curve is estimated for each related countries, based on the countries\u2019 issued bonds and segmented by </span><span class=\"S110A S5B9 S2\" id=\"t14_64\">the issuances\u2019 currencies. By subsidiaries where </span><span class=\"S110B SA7 S2\" id=\"t15_64\">the yield curves were not available (Ukraine) the daily Overnight </span><span class=\"S110C SA7 S2\" id=\"t16_64\">deposit yield was used as a benchmark, provided by National Bank of Ukraine as currently the only available </span><span class=\"S110D SA7 S2\" id=\"t17_64\">proxy for the hryvnia rate. </span><span class=\"S110E SA7 S2\" id=\"t18_64\">The Bank calculated risk premiums on the basis of information from the country risk premiums that are published </span><span class=\"S110F SA7 S2\" id=\"t19_64\">by Aswath Damodaran </span><span class=\"S1110 S5B9 S2\" id=\"t1a_64\">\u2013 </span><span class=\"S1111 S5B9 S2\" id=\"t1b_64\">New York STERN University, according to the Bank\u2019s assumption the risk</span><span class=\"S1112 SA7 S2\" id=\"t1c_64\">-free interest </span><span class=\"S1113 SA7 S2\" id=\"t1d_64\">rate includes the country-dependent risks in an implicit way. </span><span class=\"S1114 SA7 S2\" id=\"t1e_64\">When the subsidiary owns subordinated debt, the discount rate is calculated as a weighted average of the expected </span><span class=\"S1115 S5B9 S2\" id=\"t1f_64\">return on equity presented previously and the subordinated debt\u2019s interest rate. At the end of the calculation, the </span><span class=\"S1116 SA7 S2\" id=\"t1g_64\">value of subordinated debt is being subtracted from t </span><span class=\"S1117 S5B9 S2\" id=\"t1h_64\">he valuations\u2019 result. </span><span class=\"S1118 SA7 S2\" id=\"t1i_64\">The growth rate in the explicit period is the growth rate of the profit after tax adjusted by the interest rate of the </span><span class=\"S1119 SA7 S2\" id=\"t1j_64\">cash and subordinated loans. The supposed growth rates for the periods of residual values reflect the long-term </span><span class=\"S111A SA7 S2\" id=\"t1k_64\">economic expectations in case of every country. </span><span class=\"S111B SA7 S2\" id=\"t1l_64\">The values of the subsidiaries in the FCF method were then calculated as the sum of the discounted cash-flows of </span><span class=\"S111C SA7 S2\" id=\"t1m_64\">the explicit period, the present value of the terminal values and the initial free capital assuming an effective capital </span><span class=\"S111D SA7 S2\" id=\"t1n_64\">structure. </span><span class=\"S111E SB S2\" id=\"t1o_64\">Summary of the impairment test for the year ended 31 December 2022 and 2021 </span><span class=\"S111F SA7 S2\" id=\"t1p_64\">Based on the valuations of the subsidiaries for the year ended 31 December 2022 67,715 million HUF goodwill </span><span class=\"S1120 SA7 S2\" id=\"t1q_64\">impairment was needed to be recorde</span><span class=\"S1121 S5B9 S2\" id=\"t1r_64\">d by the Group for JSC \u201cOTP Bank\u201d (Russia) while for the year ended 31 </span><span class=\"S1122 SA7 S2\" id=\"t1s_64\">December 2021 no goodwill impairment was needed to be recorded by the Group. </span><span class=\"S1123 SB S2\" id=\"t3_65\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_65\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1125 SB S2\" id=\"t5_65\">For the year ended 31 December 2022 </span><span class=\"S1126 SB S2\" id=\"t6_65\">Cost </span><span class=\"S1127 SB S2\" id=\"t7_65\">Intangible </span><span class=\"S1128 SB S2\" id=\"t8_65\">assets </span><span class=\"S1129 SB S2\" id=\"t9_65\">Goodwill </span><span class=\"S112A SB S2\" id=\"ta_65\">Property </span><span class=\"S112B SB S2\" id=\"tb_65\">Machinery and </span><span class=\"S112C SB S2\" id=\"tc_65\">office equipment </span><span class=\"S112D SB S2\" id=\"td_65\">Vehicle </span><span class=\"S112E SB S2\" id=\"te_65\">Construction in </span><span class=\"S112F SB S2\" id=\"tf_65\">progress </span><span class=\"S1130 SB S2\" id=\"tg_65\">Tangible assets subject </span><span class=\"S1131 SB S2\" id=\"th_65\">to operating lease </span><span class=\"S1132 SB S2\" id=\"ti_65\">Total </span><span class=\"S1133 SB S2\" id=\"tj_65\">Balance as at 1 January </span><span class=\"S1134 SB S2\" id=\"tk_65\">408,003 </span><span class=\"S1135 SB S2\" id=\"tl_65\">105,640 </span><span class=\"S1136 SB S2\" id=\"tm_65\">304,922 </span><span class=\"S1137 SB S2\" id=\"tn_65\">243,731 </span><span class=\"S1138 SB S2\" id=\"to_65\">41,252 </span><span class=\"S1139 SB S2\" id=\"tp_65\">67,657 </span><span class=\"S113A SB S2\" id=\"tq_65\">30,833 </span><span class=\"S113B SB S2\" id=\"tr_65\">1,202,038 </span><span class=\"S113C SA7 S2\" id=\"ts_65\">Increase due to acquisition </span><span class=\"S113D SA7 S2\" id=\"tt_65\">706 </span><span class=\"S113E SA7 S2\" id=\"tu_65\">478 </span><span class=\"S113F SA7 S2\" id=\"tv_65\">933 </span><span class=\"S1140 SA7 S2\" id=\"tw_65\">522 </span><span class=\"S1141 SA7 S2\" id=\"tx_65\">- </span><span class=\"S1142 SA7 S2\" id=\"ty_65\">- </span><span class=\"S1143 SA7 S2\" id=\"tz_65\">- </span><span class=\"S1144 SA7 S2\" id=\"t10_65\">2,639 </span><span class=\"S1145 SA7 S2\" id=\"t11_65\">Additions </span><span class=\"S1146 SA7 S2\" id=\"t12_65\">111,397 </span><span class=\"S1147 SA7 S2\" id=\"t13_65\">- </span><span class=\"S1148 SA7 S2\" id=\"t14_65\">66,034 </span><span class=\"S1149 SA7 S2\" id=\"t15_65\">29,709 </span><span class=\"S114A SA7 S2\" id=\"t16_65\">2,728 </span><span class=\"S114B SA7 S2\" id=\"t17_65\">79,638 </span><span class=\"S114C SA7 S2\" id=\"t18_65\">12,892 </span><span class=\"S114D SA7 S2\" id=\"t19_65\">302,398 </span><span class=\"S114E SA7 S2\" id=\"t1a_65\">Foreign currency </span><span class=\"S114F SA7 S2\" id=\"t1b_65\">translation differences </span><span class=\"S1150 SA7 S2\" id=\"t1c_65\">16,350 </span><span class=\"S1151 SA7 S2\" id=\"t1d_65\">3,067 </span><span class=\"S1152 SA7 S2\" id=\"t1e_65\">15,936 </span><span class=\"S1153 SA7 S2\" id=\"t1f_65\">10,951 </span><span class=\"S1154 SA7 S2\" id=\"t1g_65\">408 </span><span class=\"S1155 SA7 S2\" id=\"t1h_65\">316 </span><span class=\"S1156 SA7 S2\" id=\"t1i_65\">1,952 </span><span class=\"S1157 SA7 S2\" id=\"t1j_65\">48,980 </span><span class=\"S1158 SA7 S2\" id=\"t1k_65\">Disposals </span><span class=\"S1159 SA7 S2\" id=\"t1l_65\">(65,036) </span><span class=\"S115A SA7 S2\" id=\"t1m_65\">(12,060) </span><span class=\"S115B SA7 S2\" id=\"t1n_65\">(13,034) </span><span class=\"S115C SA7 S2\" id=\"t1o_65\">(1,100) </span><span class=\"S115D SA7 S2\" id=\"t1p_65\">(94,067) </span><span class=\"S115E SA7 S2\" id=\"t1q_65\">(14,471) </span><span class=\"S115F SA7 S2\" id=\"t1r_65\">(199,768) </span><span class=\"SAF7 SB S2\" id=\"t1s_65\">Closing balance </span><span class=\"S1160 SB S2\" id=\"t1t_65\">471,420 </span><span class=\"S1161 SB S2\" id=\"t1u_65\">109,185 </span><span class=\"S1162 SB S2\" id=\"t1v_65\">375,765 </span><span class=\"S1163 SB S2\" id=\"t1w_65\">271,879 </span><span class=\"S1164 SB S2\" id=\"t1x_65\">43,288 </span><span class=\"S1165 SB S2\" id=\"t1y_65\">53,544 </span><span class=\"S1166 SB S2\" id=\"t1z_65\">31,206 </span><span class=\"S1167 SB S2\" id=\"t20_65\">1,356,287 </span><span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1195 SB S2\" id=\"t3a_65\">606,809 </span><span class=\"S1123 SB S2\" id=\"t3_66\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_66\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1196 SB S2\" id=\"t5_66\">For the year ended 31 December 2022 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_66\">Impairment </span><span class=\"S1198 SB S2\" id=\"t7_66\">Intangible </span><span class=\"S1199 SB S2\" id=\"t8_66\">assets </span><span class=\"S119A SB S2\" id=\"t9_66\">Goodwill </span><span class=\"S119B SB S2\" id=\"ta_66\">Property </span><span class=\"S119C SB S2\" id=\"tb_66\">Machinery and </span><span class=\"S119D SB S2\" id=\"tc_66\">office equipment </span><span class=\"S119E SB S2\" id=\"td_66\">Tangible assets subject </span><span class=\"S119F SB S2\" id=\"te_66\">to operating lease </span><span class=\"S11A0 SB S2\" id=\"tf_66\">Total </span><span class=\"S11A1 SB S2\" id=\"tg_66\">Balance as at 1 January </span><span class=\"S11A2 SB S2\" id=\"th_66\">2,705 </span><span class=\"S11A3 SB S2\" id=\"ti_66\">- </span><span class=\"S11A4 SB S2\" id=\"tj_66\">3,553 </span><span class=\"S11A5 SB S2\" id=\"tk_66\">43 </span><span class=\"S11A6 SB S2\" id=\"tl_66\">137 </span><span class=\"S11A7 SB S2\" id=\"tm_66\">6,438 </span><span class=\"S11A8 SA7 S2\" id=\"tn_66\">Impairment for the period </span><span class=\"S11A9 SA7 S2\" id=\"to_66\">37 </span><span class=\"S11AA SA7 S2\" id=\"tp_66\">67,715 </span><span class=\"S11AB SA7 S2\" id=\"tq_66\">590 </span><span class=\"S11AC SA7 S2\" id=\"tr_66\">- </span><span class=\"S11AD SA7 S2\" id=\"ts_66\">- </span><span class=\"S11AE SA7 S2\" id=\"tt_66\">68,342 </span><span class=\"S6CB SA7 S2\" id=\"tu_66\">Release of impairment for the period </span><span class=\"S11AF SA7 S2\" id=\"tv_66\">- </span><span class=\"S11B0 SA7 S2\" id=\"tw_66\">- </span><span class=\"S11B1 SA7 S2\" id=\"tx_66\">- </span><span class=\"S11B2 SA7 S2\" id=\"ty_66\">(122) </span><span class=\"S11B3 SA7 S2\" id=\"tz_66\">(122) </span><span class=\"S11B4 SA7 S2\" id=\"t10_66\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"t11_66\">translation differences </span><span class=\"S11B6 SA7 S2\" id=\"t12_66\">54 </span><span class=\"S11B7 SA7 S2\" id=\"t13_66\">(26,849) </span><span class=\"S11B8 SA7 S2\" id=\"t14_66\">258 </span><span class=\"S11B9 SA7 S2\" id=\"t15_66\">3 </span><span class=\"S11BA SA7 S2\" id=\"t16_66\">7 </span><span class=\"S11BB SA7 S2\" id=\"t17_66\">(26,527) </span><span class=\"S11BC SA7 S2\" id=\"t18_66\">Use of impairment </span><span class=\"S11BD SA7 S2\" id=\"t19_66\">- </span><span class=\"S11BE SA7 S2\" id=\"t1a_66\">(150) </span><span class=\"S11BF SA7 S2\" id=\"t1b_66\">- </span><span class=\"S11C0 SA7 S2\" id=\"t1c_66\">(3) </span><span class=\"S11C1 SA7 S2\" id=\"t1d_66\">(153) </span><span class=\"S11C2 SB S2\" id=\"t1e_66\">Closing balance </span><span class=\"S11C3 SB S2\" id=\"t1f_66\">2,796 </span><span class=\"S11C4 SB S2\" id=\"t1g_66\">40,866 </span><span class=\"S11C5 SB S2\" id=\"t1h_66\">4,251 </span><span class=\"S11C6 SB S2\" id=\"t1i_66\">46 </span><span class=\"S11C7 SB S2\" id=\"t1j_66\">19 </span><span class=\"S11C8 SB S2\" id=\"t1k_66\">47,978 </span><span class=\"S11C9 SB S2\" id=\"t1l_66\">Intangible </span><span class=\"S11CA SB S2\" id=\"t1m_66\">assets </span><span class=\"S11CB SB S2\" id=\"t1n_66\">Goodwill </span><span class=\"S11CC SB S2\" id=\"t1o_66\">Property </span><span class=\"S11CD SB S2\" id=\"t1p_66\">Machinery and </span><span class=\"S11CE SB S2\" id=\"t1q_66\">office equipment </span><span class=\"S11CF SB S2\" id=\"t1r_66\">Vehicle </span><span class=\"S11D0 SB S2\" id=\"t1s_66\">Construction </span><span class=\"S11D1 SB S2\" id=\"t1t_66\">in progress </span><span class=\"S11D2 SB S2\" id=\"t1u_66\">Tangible assets subject </span><span class=\"S11D3 SB S2\" id=\"t1v_66\">to operating lease </span><span class=\"S11D4 SB S2\" id=\"t1w_66\">Total </span><span class=\"S11D5 SB S2\" id=\"t1x_66\">Carrying value </span><span class=\"S11D6 SB S2\" id=\"t1y_66\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t1z_66\">142,991 </span><span class=\"S11D8 SB S2\" id=\"t20_66\">105,640 </span><span class=\"S11D9 SB S2\" id=\"t21_66\">217,662 </span><span class=\"S11DA SB S2\" id=\"t22_66\">70,550 </span><span class=\"S11DB SB S2\" id=\"t23_66\">34,064 </span><span class=\"S11DC SB S2\" id=\"t24_66\">67,657 </span><span class=\"S11DD SB S2\" id=\"t25_66\">21,203 </span><span class=\"S11DE SB S2\" id=\"t26_66\">659,767 </span><span class=\"S11DF SB S2\" id=\"t27_66\">Closing balance </span><span class=\"S11E0 SB S2\" id=\"t28_66\">168,712 </span><span class=\"S11E1 SB S2\" id=\"t29_66\">68,319 </span><span class=\"S11E2 SB S2\" id=\"t2a_66\">278,226 </span><span class=\"S11E3 SB S2\" id=\"t2b_66\">76,219 </span><span class=\"S11E4 SB S2\" id=\"t2c_66\">34,148 </span><span class=\"S11E5 SB S2\" id=\"t2d_66\">53,544 </span><span class=\"S11E6 SB S2\" id=\"t2e_66\">22,332 </span><span class=\"S11E7 SB S2\" id=\"t2f_66\">701,500 </span><span class=\"S11E8 SB S2\" id=\"t2g_66\">Fair values </span><span class=\"S11E9 SB S2\" id=\"t2h_66\">- </span><span class=\"S11EA SB S2\" id=\"t2i_66\">- </span><span class=\"S11EB SB S2\" id=\"t2j_66\">308,375 </span><span class=\"S11EC SB S2\" id=\"t2k_66\">76,230 </span><span class=\"S11ED SB S2\" id=\"t2l_66\">34,122 </span><span class=\"S11EE SB S2\" id=\"t2m_66\">- </span><span class=\"S11EF SB S2\" id=\"t2n_66\">22,351 </span><span class=\"S11F0 SB S2\" id=\"t2o_66\">441,078 </span><span class=\"S11F1 SB S2\" id=\"t2p_66\">Gross amount of the fully </span><span class=\"S11F2 SB S2\" id=\"t2q_66\">depreciated assets that </span><span class=\"S11F3 SB S2\" id=\"t2r_66\">are still in use </span><span class=\"S11F4 SB S2\" id=\"t2s_66\">152,718 </span><span class=\"S11F5 SB S2\" id=\"t2t_66\">- </span><span class=\"S11F6 SB S2\" id=\"t2u_66\">26,007 </span><span class=\"S11F7 SB S2\" id=\"t2v_66\">144,310 </span><span class=\"S11F8 SB S2\" id=\"t2w_66\">1,504 </span><span class=\"S11F9 SB S2\" id=\"t2x_66\">- </span><span class=\"S11FA SB S2\" id=\"t2y_66\">- </span><span class=\"S11FB SB S2\" id=\"t2z_66\">324,539 </span><span class=\"S11FC SA7 S2\" id=\"t30_66\">An analysis of the intangible assets for the year ended 31 December 2022 is as follows: </span><span class=\"S11FD SB S2\" id=\"t31_66\">Intangible assets </span><span class=\"S11FE SB S2\" id=\"t32_66\">Self-developed </span><span class=\"S11FF SB S2\" id=\"t33_66\">Purchased </span><span class=\"S1200 SB S2\" id=\"t34_66\">Total </span><span class=\"S1201 SA7 S2\" id=\"t35_66\">Gross values </span><span class=\"S1202 SA7 S2\" id=\"t36_66\">14,704 </span><span class=\"S1203 SA7 S2\" id=\"t37_66\">456,716 </span><span class=\"S1204 SA7 S2\" id=\"t38_66\">471,420 </span><span class=\"S1205 SA7 S2\" id=\"t39_66\">Accumulated amortization </span><span class=\"S1206 SA7 S2\" id=\"t3a_66\">(5,508) </span><span class=\"S1207 SA7 S2\" id=\"t3b_66\">(294,404) </span><span class=\"S1208 SA7 S2\" id=\"t3c_66\">(299,912) </span><span class=\"S1209 SA7 S2\" id=\"t3d_66\">Impairment </span><span class=\"S120A SA7 S2\" id=\"t3e_66\">- </span><span class=\"S120B SA7 S2\" id=\"t3f_66\">(2,796) </span><span class=\"S120C SA7 S2\" id=\"t3g_66\">(2,796) </span><span class=\"S120D SB S2\" id=\"t3h_66\">Carrying value </span><span class=\"S120E SB S2\" id=\"t3i_66\">9,196 </span><span class=\"S120F SB S2\" id=\"t3j_66\">159,516 </span><span class=\"S1210 SB S2\" id=\"t3k_66\">168,712 </span><span class=\"S1123 SB S2\" id=\"t3_67\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_67\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1211 SB S2\" id=\"t5_67\">For the year ended 31 December 2022 [continued] </span><span class=\"S1212 SA7 S2\" id=\"t6_67\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1213 S27D S2\" id=\"t7_67\">Subsidiaries </span><span class=\"S1214 S27D S2\" id=\"t8_67\">Carrying </span><span class=\"S1215 S27D S2\" id=\"t9_67\">amounts of the </span><span class=\"S1216 S27D S2\" id=\"ta_67\">subsidiary in </span><span class=\"S1217 S27D S2\" id=\"tb_67\">HUF million </span><span class=\"S1218 S27D S2\" id=\"tc_67\">Goodwill </span><span class=\"S1219 S27D S2\" id=\"td_67\">values in </span><span class=\"S121A S27D S2\" id=\"te_67\">HUF million </span><span class=\"S121B S27D S2\" id=\"tf_67\">Goodwill values in </span><span class=\"S121C S27D S2\" id=\"tg_67\">million functional </span><span class=\"S121D S27D S2\" id=\"th_67\">currency </span><span class=\"S121E S27D S2\" id=\"ti_67\">Type of </span><span class=\"S121F S27D S2\" id=\"tj_67\">functional </span><span class=\"S1220 S27D S2\" id=\"tk_67\">currency </span><span class=\"S1221 S27D S2\" id=\"tl_67\">Consolidated </span><span class=\"S1222 S27D S2\" id=\"tm_67\">ownership </span><span class=\"S1223 S27D S2\" id=\"tn_67\">interest </span><span class=\"S1224 S27D S2\" id=\"to_67\">With ownership </span><span class=\"S1225 S27D S2\" id=\"tp_67\">adjusted company </span><span class=\"S1226 S27D S2\" id=\"tq_67\">value in HUF million </span><span class=\"S1227 S27D S2\" id=\"tr_67\">Applied long </span><span class=\"S1228 S27D S2\" id=\"ts_67\">term grow rate </span><span class=\"S1229 S27D S2\" id=\"tt_67\">Applied </span><span class=\"S122A S27D S2\" id=\"tu_67\">long term </span><span class=\"S122B S27D S2\" id=\"tv_67\">discount </span><span class=\"S122C S27D S2\" id=\"tw_67\">rate </span><span class=\"S122D S27E S2\" id=\"tx_67\">DSK Bank EAD </span><span class=\"S122E S27E S2\" id=\"ty_67\">280,722 </span><span class=\"S122F S27E S2\" id=\"tz_67\">44,375 </span><span class=\"S1230 S27E S2\" id=\"t10_67\">28,541 </span><span class=\"S1231 S27E S2\" id=\"t11_67\">HUF </span><span class=\"S1232 S27E S2\" id=\"t12_67\">99.92% </span><span class=\"S1233 S27E S2\" id=\"t13_67\">840,031 </span><span class=\"S1234 S27E S2\" id=\"t14_67\">3.00% </span><span class=\"S1235 S27E S2\" id=\"t15_67\">12.54% </span><span class=\"S1236 S27E S2\" id=\"t16_67\">(Bulgaria) </span><span class=\"S1237 S27E S2\" id=\"t17_67\">77 </span><span class=\"S1238 S27E S2\" id=\"t18_67\">BGN </span><span class=\"S1239 S27E S2\" id=\"t19_67\">OTP banka d.d. </span><span class=\"S123A S27E S2\" id=\"t1a_67\">(Croatia) </span><span class=\"S123B S27E S2\" id=\"t1b_67\">205,349 </span><span class=\"S123C S27E S2\" id=\"t1c_67\">23,235 </span><span class=\"S123D S27E S2\" id=\"t1d_67\">58 </span><span class=\"S123E S27E S2\" id=\"t1e_67\">EUR </span><span class=\"S123F S27E S2\" id=\"t1f_67\">100.00% </span><span class=\"S1240 S27E S2\" id=\"t1g_67\">410,711 </span><span class=\"S1241 S27E S2\" id=\"t1h_67\">2.69% </span><span class=\"S1242 S27E S2\" id=\"t1i_67\">10.69% </span><span class=\"S1243 S27E S2\" id=\"t1j_67\">POK-DSK Rodina a.d. </span><span class=\"S1244 S27E S2\" id=\"t1k_67\">(Bulgaria) </span><span class=\"S1245 S27E S2\" id=\"t1l_67\">1,680 </span><span class=\"S1246 S27E S2\" id=\"t1m_67\">11 </span><span class=\"S1247 S27E S2\" id=\"t1n_67\">11 </span><span class=\"S1248 S27E S2\" id=\"t1o_67\">HUF </span><span class=\"S1249 S27E S2\" id=\"t1p_67\">99.85% </span><span class=\"S124A S27E S2\" id=\"t1q_67\">16,564 </span><span class=\"S124B S27E S2\" id=\"t1r_67\">3.00% </span><span class=\"S124C S27E S2\" id=\"t1s_67\">12.54% </span><span class=\"S124D S27E S2\" id=\"t1t_67\">George Consult </span><span class=\"S124E S27E S2\" id=\"t1u_67\">(Croatia) </span><span class=\"S124F S27E S2\" id=\"t1v_67\">225 </span><span class=\"S1250 S27E S2\" id=\"t1w_67\">220 </span><span class=\"S1251 S27E S2\" id=\"t1x_67\">4 </span><span class=\"S1252 S27E S2\" id=\"t1y_67\">HRK </span><span class=\"S1253 S27E S2\" id=\"t1z_67\">76.00% </span><span class=\"S1254 S27E S2\" id=\"t20_67\">171 </span><span class=\"S1255 S27E S2\" id=\"t21_67\">2.69% </span><span class=\"S1256 S27E S2\" id=\"t22_67\">10.69% </span><span class=\"S1257 S27E S2\" id=\"t23_67\">OTP Home Solutions Llc. </span><span class=\"S1258 S27E S2\" id=\"t24_67\">(Hungary) </span><span class=\"S1259 S27E S2\" id=\"t25_67\">2,570 </span><span class=\"S125A S27E S2\" id=\"t26_67\">478 </span><span class=\"S125B S27E S2\" id=\"t27_67\">478 </span><span class=\"S125C S27E S2\" id=\"t28_67\">HUF </span><span class=\"S125D S27E S2\" id=\"t29_67\">100.00% </span><span class=\"S125E S27E S2\" id=\"t2a_67\">2,570 </span><span class=\"S125F S27E S2\" id=\"t2b_67\">3.00% </span><span class=\"S1260 S27E S2\" id=\"t2c_67\">16.26% </span><span class=\"S1261 S27D S2\" id=\"t2d_67\">490,546 </span><span class=\"S1262 S27D S2\" id=\"t2e_67\">68,319 </span><span class=\"S1123 SB S2\" id=\"t3_68\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_68\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1263 SB S2\" id=\"t5_68\">For the year ended 31 December 2021 </span><span class=\"S1264 SB S2\" id=\"t6_68\">Cost </span><span class=\"S1265 SB S2\" id=\"t7_68\">Intangible </span><span class=\"S1266 SB S2\" id=\"t8_68\">assets </span><span class=\"S1267 SB S2\" id=\"t9_68\">Goodwill </span><span class=\"S1268 SB S2\" id=\"ta_68\">Property </span><span class=\"S1269 SB S2\" id=\"tb_68\">Machinery and </span><span class=\"S126A SB S2\" id=\"tc_68\">office equipment </span><span class=\"S126B SB S2\" id=\"td_68\">Vehicle </span><span class=\"S126C SB S2\" id=\"te_68\">Construction </span><span class=\"S126D SB S2\" id=\"tf_68\">in progress </span><span class=\"S126E SB S2\" id=\"tg_68\">Tangible assets subject </span><span class=\"S126F SB S2\" id=\"th_68\">to operating lease </span><span class=\"S1270 SB S2\" id=\"ti_68\">Total </span><span class=\"S11A1 SB S2\" id=\"tj_68\">Balance as at 1 January </span><span class=\"S1271 SB S2\" id=\"tk_68\">364,495 </span><span class=\"S1272 SB S2\" id=\"tl_68\">101,393 </span><span class=\"S1273 SB S2\" id=\"tm_68\">285,506 </span><span class=\"S1274 SB S2\" id=\"tn_68\">212,105 </span><span class=\"S1275 SB S2\" id=\"to_68\">23,893 </span><span class=\"S1276 SB S2\" id=\"tp_68\">23,403 </span><span class=\"S1277 SB S2\" id=\"tq_68\">28,926 </span><span class=\"S1278 SB S2\" id=\"tr_68\">1,039,721 </span><span class=\"S1279 SA7 S2\" id=\"ts_68\">Increase due to acquisition </span><span class=\"S127A SA7 S2\" id=\"tt_68\">- </span><span class=\"S127B SA7 S2\" id=\"tu_68\">Additions </span><span class=\"S127C SA7 S2\" id=\"tv_68\">90,887 </span><span class=\"S127D SA7 S2\" id=\"tw_68\">- </span><span class=\"S127E SA7 S2\" id=\"tx_68\">28,684 </span><span class=\"S127F SA7 S2\" id=\"ty_68\">37,266 </span><span class=\"S1280 SA7 S2\" id=\"tz_68\">19,135 </span><span class=\"S1281 SA7 S2\" id=\"t10_68\">111,316 </span><span class=\"S1282 SA7 S2\" id=\"t11_68\">13,427 </span><span class=\"S1283 SA7 S2\" id=\"t12_68\">300,715 </span><span class=\"S11B4 SA7 S2\" id=\"t13_68\">Foreign currency </span><span class=\"S1284 SA7 S2\" id=\"t14_68\">translation differences </span><span class=\"S1285 SA7 S2\" id=\"t15_68\">4,656 </span><span class=\"S1286 SA7 S2\" id=\"t16_68\">4,247 </span><span class=\"S1287 SA7 S2\" id=\"t17_68\">3,609 </span><span class=\"S1288 SA7 S2\" id=\"t18_68\">3,237 </span><span class=\"S1289 SA7 S2\" id=\"t19_68\">163 </span><span class=\"S128A SA7 S2\" id=\"t1a_68\">136 </span><span class=\"S128B SA7 S2\" id=\"t1b_68\">422 </span><span class=\"S128C SA7 S2\" id=\"t1c_68\">16,470 </span><span class=\"S128D SA7 S2\" id=\"t1d_68\">Disposals </span><span class=\"S128E SA7 S2\" id=\"t1e_68\">(52,035) </span><span class=\"S128F SA7 S2\" id=\"t1f_68\">- </span><span class=\"S1290 SA7 S2\" id=\"t1g_68\">(12,877) </span><span class=\"S1291 SA7 S2\" id=\"t1h_68\">(8,877) </span><span class=\"S1292 SA7 S2\" id=\"t1i_68\">(1,939) </span><span class=\"S1293 SA7 S2\" id=\"t1j_68\">(67,198) </span><span class=\"S1294 SA7 S2\" id=\"t1k_68\">(11,942) </span><span class=\"S1295 SA7 S2\" id=\"t1l_68\">(154,868) </span><span class=\"S11C2 SB S2\" id=\"t1m_68\">Closing balance </span><span class=\"S1296 SB S2\" id=\"t1n_68\">408,003 </span><span class=\"S1297 SB S2\" id=\"t1o_68\">105,640 </span><span class=\"S1298 SB S2\" id=\"t1p_68\">304,922 </span><span class=\"S1299 SB S2\" id=\"t1q_68\">243,731 </span><span class=\"S129A SB S2\" id=\"t1r_68\">41,252 </span><span class=\"S129B SB S2\" id=\"t1s_68\">67,657 </span><span class=\"S129C SB S2\" id=\"t1t_68\">30,833 </span><span class=\"S129D SB S2\" id=\"t1u_68\">1,202,038 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span><span class=\"S1123 SB S2\" id=\"t3_69\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_69\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_69\">For the year ended 31 December 2021 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_69\">Impairment </span><span class=\"S12CB SB S2\" id=\"t7_69\">Intangible </span><span class=\"S12CC SB S2\" id=\"t8_69\">assets </span><span class=\"S12CD SB S2\" id=\"t9_69\">Property </span><span class=\"S12CE SB S2\" id=\"ta_69\">Machinery and </span><span class=\"S12CF SB S2\" id=\"tb_69\">office equipment </span><span class=\"S12D0 SB S2\" id=\"tc_69\">Tangible assets subject </span><span class=\"S12D1 SB S2\" id=\"td_69\">to operating lease </span><span class=\"S12D2 SB S2\" id=\"te_69\">Total </span><span class=\"S11A1 SB S2\" id=\"tf_69\">Balance as at 1 January </span><span class=\"S12D3 SB S2\" id=\"tg_69\">2,704 </span><span class=\"S12D4 SB S2\" id=\"th_69\">1,122 </span><span class=\"S12D5 SB S2\" id=\"ti_69\">42 </span><span class=\"S12D6 SB S2\" id=\"tj_69\">338 </span><span class=\"S12D7 SB S2\" id=\"tk_69\">4,206 </span><span class=\"S11A8 SA7 S2\" id=\"tl_69\">Impairment for the period </span><span class=\"S12D8 SA7 S2\" id=\"tm_69\">- </span><span class=\"S12D9 SA7 S2\" id=\"tn_69\">2,967 </span><span class=\"S12DA SA7 S2\" id=\"to_69\">- </span><span class=\"S12DB SA7 S2\" id=\"tp_69\">9 </span><span class=\"S12DC SA7 S2\" id=\"tq_69\">2,976 </span><span class=\"S12DD SA7 S2\" id=\"tr_69\">Release of impairment for the period </span><span class=\"S12DE SA7 S2\" id=\"ts_69\">- </span><span class=\"S12DF SA7 S2\" id=\"tt_69\">- </span><span class=\"S12E0 SA7 S2\" id=\"tu_69\">- </span><span class=\"S12E1 SA7 S2\" id=\"tv_69\">(204) </span><span class=\"S12E2 SA7 S2\" id=\"tw_69\">(204) </span><span class=\"S11B4 SA7 S2\" id=\"tx_69\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"ty_69\">translation differences </span><span class=\"S12E3 SA7 S2\" id=\"tz_69\">5 </span><span class=\"S12E4 SA7 S2\" id=\"t10_69\">55 </span><span class=\"S12E5 SA7 S2\" id=\"t11_69\">6 </span><span class=\"S12E6 SA7 S2\" id=\"t12_69\">(1) </span><span class=\"S12E7 SA7 S2\" id=\"t13_69\">65 </span><span class=\"S11BC SA7 S2\" id=\"t14_69\">Use of impairment </span><span class=\"S12E8 SA7 S2\" id=\"t15_69\">(4) </span><span class=\"S12E9 SA7 S2\" id=\"t16_69\">(591) </span><span class=\"S12EA SA7 S2\" id=\"t17_69\">(5) </span><span class=\"S1293 SA7 S2\" id=\"t18_69\">(5) </span><span class=\"S12EB SA7 S2\" id=\"t19_69\">(605) </span><span class=\"S11C2 SB S2\" id=\"t1a_69\">Closing balance </span><span class=\"S12EC SB S2\" id=\"t1b_69\">2,705 </span><span class=\"S12ED SB S2\" id=\"t1c_69\">3,553 </span><span class=\"S12EE SB S2\" id=\"t1d_69\">43 </span><span class=\"S12EF SB S2\" id=\"t1e_69\">137 </span><span class=\"S12F0 SB S2\" id=\"t1f_69\">6,438 </span><span class=\"S12F1 SB S2\" id=\"t1g_69\">Intangible </span><span class=\"S12F2 SB S2\" id=\"t1h_69\">assets </span><span class=\"S12F3 SB S2\" id=\"t1i_69\">Goodwill </span><span class=\"S12F4 SB S2\" id=\"t1j_69\">Property </span><span class=\"S12F5 SB S2\" id=\"t1k_69\">Machinery and </span><span class=\"S12F6 SB S2\" id=\"t1l_69\">office equipment </span><span class=\"S12F7 SB S2\" id=\"t1m_69\">Vehicle </span><span class=\"S12F8 SB S2\" id=\"t1n_69\">Construction in </span><span class=\"S12F9 SB S2\" id=\"t1o_69\">progress </span><span class=\"S12FA SB S2\" id=\"t1p_69\">Tangible assets subject </span><span class=\"S12FB SB S2\" id=\"t1q_69\">to operating lease </span><span class=\"S12FC SB S2\" id=\"t1r_69\">Total </span><span class=\"S12FD SB S2\" id=\"t1s_69\">Carrying value </span><span class=\"S12FE SB S2\" id=\"t1t_69\">Balance as at 1 January </span><span class=\"S12FF SB S2\" id=\"t1u_69\">137,611 </span><span class=\"S1300 SB S2\" id=\"t1v_69\">101,393 </span><span class=\"S1301 SB S2\" id=\"t1w_69\">206,631 </span><span class=\"S1302 SB S2\" id=\"t1x_69\">56,771 </span><span class=\"S1303 SB S2\" id=\"t1y_69\">17,652 </span><span class=\"S1304 SB S2\" id=\"t1z_69\">23,403 </span><span class=\"S1305 SB S2\" id=\"t20_69\">18,309 </span><span class=\"S1306 SB S2\" id=\"t21_69\">561,770 </span><span class=\"S1307 SB S2\" id=\"t22_69\">Closing balance </span><span class=\"S1308 SB S2\" id=\"t23_69\">142,991 </span><span class=\"S1309 SB S2\" id=\"t24_69\">105,640 </span><span class=\"S130A SB S2\" id=\"t25_69\">217,662 </span><span class=\"S130B SB S2\" id=\"t26_69\">70,550 </span><span class=\"S130C SB S2\" id=\"t27_69\">34,064 </span><span class=\"S130D SB S2\" id=\"t28_69\">67,657 </span><span class=\"S130E SB S2\" id=\"t29_69\">21,203 </span><span class=\"S130F SB S2\" id=\"t2a_69\">659,767 </span><span class=\"S1310 SB S2\" id=\"t2b_69\">Fair values </span><span class=\"S1311 SB S2\" id=\"t2c_69\">- </span><span class=\"S1312 SB S2\" id=\"t2d_69\">- </span><span class=\"S1313 SB S2\" id=\"t2e_69\">247,754 </span><span class=\"S1314 SB S2\" id=\"t2f_69\">70,258 </span><span class=\"S1315 SB S2\" id=\"t2g_69\">34,063 </span><span class=\"S1316 SB S2\" id=\"t2h_69\">- </span><span class=\"S1317 SB S2\" id=\"t2i_69\">21,339 </span><span class=\"S1318 SB S2\" id=\"t2j_69\">373,414 </span><span class=\"S1319 SB S2\" id=\"t2k_69\">Gross amount of the fully </span><span class=\"S131A SB S2\" id=\"t2l_69\">depreciated assets that </span><span class=\"S131B SB S2\" id=\"t2m_69\">are still in use </span><span class=\"S131C SB S2\" id=\"t2n_69\">129,805 </span><span class=\"S131D SB S2\" id=\"t2o_69\">- </span><span class=\"S131E SB S2\" id=\"t2p_69\">25,396 </span><span class=\"S131F SB S2\" id=\"t2q_69\">132,611 </span><span class=\"S1320 SB S2\" id=\"t2r_69\">924 </span><span class=\"S1321 SB S2\" id=\"t2s_69\">- </span><span class=\"S1322 SB S2\" id=\"t2t_69\">- </span><span class=\"S1323 SB S2\" id=\"t2u_69\">288,736 </span><span class=\"SA1A SA7 S2\" id=\"t2v_69\">An analysis of the intangible assets for the year ended 31 December 2021 is as follows: </span><span class=\"S1324 SB S2\" id=\"t2w_69\">Intangible assets </span><span class=\"S1325 SB S2\" id=\"t2x_69\">Self-developed </span><span class=\"S1326 SB S2\" id=\"t2y_69\">Purchased </span><span class=\"S1327 SB S2\" id=\"t2z_69\">Total </span><span class=\"S1328 SA7 S2\" id=\"t30_69\">Gross values </span><span class=\"S1329 SA7 S2\" id=\"t31_69\">12,700 </span><span class=\"S132A SA7 S2\" id=\"t32_69\">395,303 </span><span class=\"S132B SA7 S2\" id=\"t33_69\">408,003 </span><span class=\"S132C SA7 S2\" id=\"t34_69\">Accumulated amortization </span><span class=\"S132D SA7 S2\" id=\"t35_69\">(5,017) </span><span class=\"S132E SA7 S2\" id=\"t36_69\">(257,290) </span><span class=\"S132F SA7 S2\" id=\"t37_69\">(262,307) </span><span class=\"S1330 SA7 S2\" id=\"t38_69\">Impairment </span><span class=\"S1331 SA7 S2\" id=\"t39_69\">- </span><span class=\"S1332 SA7 S2\" id=\"t3a_69\">(2,705) </span><span class=\"S1333 SA7 S2\" id=\"t3b_69\">(2,705) </span><span class=\"S1334 SB S2\" id=\"t3c_69\">Carrying value </span><span class=\"S1335 SB S2\" id=\"t3d_69\">7,683 </span><span class=\"S1336 SB S2\" id=\"t3e_69\">135,308 </span><span class=\"S1337 SB S2\" id=\"t3f_69\">142,991 </span><span class=\"S1123 SB S2\" id=\"t3_70\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_70\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_70\">For the year ended 31 December 2021 [continued] </span><span class=\"S1338 SA7 S2\" id=\"t6_70\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1339 S27D S2\" id=\"t7_70\">Subsidiaries </span><span class=\"S133A S27D S2\" id=\"t8_70\">Carrying </span><span class=\"S133B S27D S2\" id=\"t9_70\">amounts of the </span><span class=\"S133C S27D S2\" id=\"ta_70\">subsidiary in </span><span class=\"S133D S27D S2\" id=\"tb_70\">HUF million </span><span class=\"S133E S27D S2\" id=\"tc_70\">Goodwill </span><span class=\"S133F S27D S2\" id=\"td_70\">values in </span><span class=\"S1340 S27D S2\" id=\"te_70\">HUF million </span><span class=\"S1341 S27D S2\" id=\"tf_70\">Goodwill values in </span><span class=\"S1342 S27D S2\" id=\"tg_70\">million functional </span><span class=\"S1343 S27D S2\" id=\"th_70\">currency </span><span class=\"S1344 S27D S2\" id=\"ti_70\">Type of </span><span class=\"S1345 S27D S2\" id=\"tj_70\">functional </span><span class=\"S1346 S27D S2\" id=\"tk_70\">currency </span><span class=\"S1347 S27D S2\" id=\"tl_70\">Consolidated </span><span class=\"S1348 S27D S2\" id=\"tm_70\">ownership </span><span class=\"S1349 S27D S2\" id=\"tn_70\">interest </span><span class=\"S134A S27D S2\" id=\"to_70\">With ownership </span><span class=\"S134B S27D S2\" id=\"tp_70\">adjusted company </span><span class=\"S134C S27D S2\" id=\"tq_70\">value in HUF million </span><span class=\"S134D S27D S2\" id=\"tr_70\">Applied long </span><span class=\"S134E S27D S2\" id=\"ts_70\">term grow rate </span><span class=\"S134F S27D S2\" id=\"tt_70\">Applied </span><span class=\"S1350 S27D S2\" id=\"tu_70\">long term </span><span class=\"S1351 S27D S2\" id=\"tv_70\">discount </span><span class=\"S1352 S27D S2\" id=\"tw_70\">rate </span><span class=\"S1353 S27E S2\" id=\"tx_70\">DSK Bank EAD </span><span class=\"S1354 S27E S2\" id=\"ty_70\">280,692 </span><span class=\"S1355 S27E S2\" id=\"tz_70\">43,138 </span><span class=\"S1356 S27E S2\" id=\"t10_70\">28,541 </span><span class=\"S1357 S27E S2\" id=\"t11_70\">HUF </span><span class=\"S1358 S27E S2\" id=\"t12_70\">99.91% </span><span class=\"S1359 S27E S2\" id=\"t13_70\">832,445 </span><span class=\"S135A S27E S2\" id=\"t14_70\">3.00% </span><span class=\"S135B S27E S2\" id=\"t15_70\">7.90% </span><span class=\"S135C S27E S2\" id=\"t16_70\">(Bulgaria) </span><span class=\"S135D S27E S2\" id=\"t17_70\">77 </span><span class=\"S135E S27E S2\" id=\"t18_70\">BGN </span><span class=\"S135F S27E S2\" id=\"t19_70\">OTP banka d.d. </span><span class=\"S1360 S27E S2\" id=\"t1a_70\">(Croatia) </span><span class=\"S1361 S27E S2\" id=\"t1b_70\">205,349 </span><span class=\"S1362 S27E S2\" id=\"t1c_70\">21,421 </span><span class=\"S1363 S27E S2\" id=\"t1d_70\">58 </span><span class=\"S1364 S27E S2\" id=\"t1e_70\">EUR </span><span class=\"S1365 S27E S2\" id=\"t1f_70\">100.00% </span><span class=\"S1366 S27E S2\" id=\"t1g_70\">361,995 </span><span class=\"S1367 S27E S2\" id=\"t1h_70\">2.69% </span><span class=\"S1368 S27E S2\" id=\"t1i_70\">8.83% </span><span class=\"S1369 S27F S2\" id=\"t1j_70\">JSC \u201cOTP Bank\u201d </span><span class=\"S136A S27E S2\" id=\"t1k_70\">(Russia) </span><span class=\"S136B S27E S2\" id=\"t1l_70\">124,411 </span><span class=\"S136C S27E S2\" id=\"t1m_70\">40,866 </span><span class=\"S136D S27E S2\" id=\"t1n_70\">9,395 </span><span class=\"S136E S27E S2\" id=\"t1o_70\">RUB </span><span class=\"S136F S27E S2\" id=\"t1p_70\">97.92% </span><span class=\"S1370 S27E S2\" id=\"t1q_70\">187,552 </span><span class=\"S1371 S27E S2\" id=\"t1r_70\">1.89% </span><span class=\"S1372 S27E S2\" id=\"t1s_70\">15.44% </span><span class=\"S1373 S27E S2\" id=\"t1t_70\">POK-DSK Rodina a.d. </span><span class=\"S1374 S27E S2\" id=\"t1u_70\">(Bulgaria) </span><span class=\"S1375 S27E S2\" id=\"t1v_70\">1,680 </span><span class=\"S1376 S27E S2\" id=\"t1w_70\">11 </span><span class=\"S1377 S27E S2\" id=\"t1x_70\">11 </span><span class=\"S1378 S27E S2\" id=\"t1y_70\">HUF </span><span class=\"S1379 S27E S2\" id=\"t1z_70\">99.85% </span><span class=\"S137A S27E S2\" id=\"t20_70\">15,299 </span><span class=\"S137B S27E S2\" id=\"t21_70\">3.00% </span><span class=\"S137C S27E S2\" id=\"t22_70\">7.90% </span><span class=\"S137D S27E S2\" id=\"t23_70\">George Consult </span><span class=\"S137E S27E S2\" id=\"t24_70\">(Croatia) </span><span class=\"S137F S27E S2\" id=\"t25_70\">225 </span><span class=\"S1380 S27E S2\" id=\"t26_70\">204 </span><span class=\"S1381 S27E S2\" id=\"t27_70\">4 </span><span class=\"S1382 S27E S2\" id=\"t28_70\">HRK </span><span class=\"S1383 S27E S2\" id=\"t29_70\">76.00% </span><span class=\"S1384 S27E S2\" id=\"t2a_70\">171 </span><span class=\"S1385 S27E S2\" id=\"t2b_70\">2.69% </span><span class=\"S1386 S27E S2\" id=\"t2c_70\">8.83% </span><span class=\"S1387 S27D S2\" id=\"t2d_70\">612,357 </span><span class=\"S1388 S27D S2\" id=\"t2e_70\">105,640 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6060": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_64\">NOTE 13: </span><span class=\"S10EA SB S2\" id=\"t4_64\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) </span><span class=\"S10EB SA7 S2\" id=\"t5_64\">There are different kinds of tangible and intangible assets held by the Group. In the followings there are presented </span><span class=\"S10EC SA7 S2\" id=\"t6_64\">reasons of the changes from opening values to closing ones in the gross values, the accumulated depreciation and </span><span class=\"S10ED SA7 S2\" id=\"t7_64\">amortization and in the impairment of the tangible and intangible assets in the Group. Here can be found </span><span class=\"S10EE SA7 S2\" id=\"t8_64\">information about the fair values of the tangible assets and gross amounts of those assets which were fully </span><span class=\"S8F2 SA7 S2\" id=\"t9_64\">depreciated but which are still in use. </span><span class=\"S10EF SA7 S2\" id=\"ta_64\">Carrying amount of the temporarily idle properties was HUF 3,466 million and HUF 3,057 million as at 31 </span><span class=\"S10F0 SA7 S2\" id=\"tb_64\">December 2022 and 31 December 2021, respectively. </span><span class=\"S10F1 SA7 S2\" id=\"tc_64\">There were no restrictions on title and properties, plants or equipment pledged as security for liabilities as at 31 </span><span class=\"S10F2 SA7 S2\" id=\"td_64\">December 2022 and 2021. </span><span class=\"S10F3 SA7 S2\" id=\"te_64\">As at 31 December 2022 and 2021 the amount of contractual commitments for the acquisition of tangible and </span><span class=\"S5C4 SA7 S2\" id=\"tf_64\">intangible assets was HUF 21,116 million and HUF 1,595 million, respectively. </span><span class=\"S10F4 SA7 S2\" id=\"tg_64\">Impairment for the properties in the current period was needed as a result of the valuation performed by using the </span><span class=\"S10F5 SA7 S2\" id=\"th_64\">comparative value method (market analogy method) with direct comparison to the market price of other similar </span><span class=\"S10F6 SA7 S2\" id=\"ti_64\">properties. Actual market transactions were used based on the 6-month period prior to the valuation date where </span><span class=\"S10F7 S5B9 S2\" id=\"tj_64\">the market price of the analogous property is adjusted by an expert coefficient for market adaptation (\u201cECMA\u201d). </span><span class=\"S10F8 SA7 S2\" id=\"tk_64\">Usually this range is from -25% to +25% and reflects the availability of sufficient market information for similar </span><span class=\"S10F9 SA7 S2\" id=\"tl_64\">items but at these properties ECMA exceeded this range where the circumstances were exceptional although by </span><span class=\"S10FA SA7 S2\" id=\"tm_64\">decision of the appraiser it was used only for unique properties with characteristics similar to the appraised ones, </span><span class=\"S6F5 SA7 S2\" id=\"tn_64\">for which no sufficient market analogues are available. The price was adjusted by coefficients reflecting the area, </span><span class=\"S10FB SA7 S2\" id=\"to_64\">location, size and structure of the property, as well as a weighing factor reflecting the weight of the selected market </span><span class=\"S10FC SA7 S2\" id=\"tp_64\">analogies in the determined fair value. </span><span class=\"S10FD SA7 S2\" id=\"tq_64\">The Bank decided that the recoverable amount of goodwill is determined based on fair value less cost of disposal. </span><span class=\"S10FE SA7 S2\" id=\"tr_64\">When the Bank prepares goodwill impairment tests of the subsidiaries, the two methods which are used based on </span><span class=\"S10FF SA7 S2\" id=\"ts_64\">discounted cash-flow calculation that shows the same result; however, they represent different economical logics. </span><span class=\"S1100 SA7 S2\" id=\"tt_64\">Based on the internal regulation of the Bank as at 31 December 2021 impairment test was prepared where a three- </span><span class=\"S1101 SA7 S2\" id=\"tu_64\">year cash-flow model was applied with an explicit period between 2022-2024. The basis for the estimation was </span><span class=\"S1102 SA7 S2\" id=\"tv_64\">the actual data of May 2022 and based on the prepared medium-term (2022-2024) forecasts. When the Bank </span><span class=\"S1103 SA7 S2\" id=\"tw_64\">prepared the calculations for the period 2022-2024, it considered the actual worldwide economic situations, the </span><span class=\"S1104 SA7 S2\" id=\"tx_64\">expected economic growth for the following years, their possible effects on the financial sector, the plans for </span><span class=\"S1105 SA7 S2\" id=\"ty_64\">growing which result from these, and the expected changes of the mentioned factors. </span><span class=\"SB35 SB S2\" id=\"tz_64\">Present value calculation with the Free Cash-Flow method </span><span class=\"S1106 SA7 S2\" id=\"t10_64\">The Bank calculated the expected cash-flow for the given period based on the expected after-tax profit of the </span><span class=\"S1107 SA7 S2\" id=\"t11_64\">companies. The calculation is highly sensitive to the level of discount rate and growth rate used. As discount factor </span><span class=\"S1108 SA7 S2\" id=\"t12_64\">the Bank uses a zero coupon yield curve derived by the Headquarter Asse-Liability Management department. This </span><span class=\"S1109 S5B9 S2\" id=\"t13_64\">zero coupon curve is estimated for each related countries, based on the countries\u2019 issued bonds and segmented by </span><span class=\"S110A S5B9 S2\" id=\"t14_64\">the issuances\u2019 currencies. By subsidiaries where </span><span class=\"S110B SA7 S2\" id=\"t15_64\">the yield curves were not available (Ukraine) the daily Overnight </span><span class=\"S110C SA7 S2\" id=\"t16_64\">deposit yield was used as a benchmark, provided by National Bank of Ukraine as currently the only available </span><span class=\"S110D SA7 S2\" id=\"t17_64\">proxy for the hryvnia rate. </span><span class=\"S110E SA7 S2\" id=\"t18_64\">The Bank calculated risk premiums on the basis of information from the country risk premiums that are published </span><span class=\"S110F SA7 S2\" id=\"t19_64\">by Aswath Damodaran </span><span class=\"S1110 S5B9 S2\" id=\"t1a_64\">\u2013 </span><span class=\"S1111 S5B9 S2\" id=\"t1b_64\">New York STERN University, according to the Bank\u2019s assumption the risk</span><span class=\"S1112 SA7 S2\" id=\"t1c_64\">-free interest </span><span class=\"S1113 SA7 S2\" id=\"t1d_64\">rate includes the country-dependent risks in an implicit way. </span><span class=\"S1114 SA7 S2\" id=\"t1e_64\">When the subsidiary owns subordinated debt, the discount rate is calculated as a weighted average of the expected </span><span class=\"S1115 S5B9 S2\" id=\"t1f_64\">return on equity presented previously and the subordinated debt\u2019s interest rate. At the end of the calculation, the </span><span class=\"S1116 SA7 S2\" id=\"t1g_64\">value of subordinated debt is being subtracted from t </span><span class=\"S1117 S5B9 S2\" id=\"t1h_64\">he valuations\u2019 result. </span><span class=\"S1118 SA7 S2\" id=\"t1i_64\">The growth rate in the explicit period is the growth rate of the profit after tax adjusted by the interest rate of the </span><span class=\"S1119 SA7 S2\" id=\"t1j_64\">cash and subordinated loans. The supposed growth rates for the periods of residual values reflect the long-term </span><span class=\"S111A SA7 S2\" id=\"t1k_64\">economic expectations in case of every country. </span><span class=\"S111B SA7 S2\" id=\"t1l_64\">The values of the subsidiaries in the FCF method were then calculated as the sum of the discounted cash-flows of </span><span class=\"S111C SA7 S2\" id=\"t1m_64\">the explicit period, the present value of the terminal values and the initial free capital assuming an effective capital </span><span class=\"S111D SA7 S2\" id=\"t1n_64\">structure. </span><span class=\"S111E SB S2\" id=\"t1o_64\">Summary of the impairment test for the year ended 31 December 2022 and 2021 </span><span class=\"S111F SA7 S2\" id=\"t1p_64\">Based on the valuations of the subsidiaries for the year ended 31 December 2022 67,715 million HUF goodwill </span><span class=\"S1120 SA7 S2\" id=\"t1q_64\">impairment was needed to be recorde</span><span class=\"S1121 S5B9 S2\" id=\"t1r_64\">d by the Group for JSC \u201cOTP Bank\u201d (Russia) while for the year ended 31 </span><span class=\"S1122 SA7 S2\" id=\"t1s_64\">December 2021 no goodwill impairment was needed to be recorded by the Group. </span><span class=\"S1123 SB S2\" id=\"t3_65\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_65\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1125 SB S2\" id=\"t5_65\">For the year ended 31 December 2022 </span><span class=\"S1126 SB S2\" id=\"t6_65\">Cost </span><span class=\"S1127 SB S2\" id=\"t7_65\">Intangible </span><span class=\"S1128 SB S2\" id=\"t8_65\">assets </span><span class=\"S1129 SB S2\" id=\"t9_65\">Goodwill </span><span class=\"S112A SB S2\" id=\"ta_65\">Property </span><span class=\"S112B SB S2\" id=\"tb_65\">Machinery and </span><span class=\"S112C SB S2\" id=\"tc_65\">office equipment </span><span class=\"S112D SB S2\" id=\"td_65\">Vehicle </span><span class=\"S112E SB S2\" id=\"te_65\">Construction in </span><span class=\"S112F SB S2\" id=\"tf_65\">progress </span><span class=\"S1130 SB S2\" id=\"tg_65\">Tangible assets subject </span><span class=\"S1131 SB S2\" id=\"th_65\">to operating lease </span><span class=\"S1132 SB S2\" id=\"ti_65\">Total </span><span class=\"S1133 SB S2\" id=\"tj_65\">Balance as at 1 January </span><span class=\"S1134 SB S2\" id=\"tk_65\">408,003 </span><span class=\"S1135 SB S2\" id=\"tl_65\">105,640 </span><span class=\"S1136 SB S2\" id=\"tm_65\">304,922 </span><span class=\"S1137 SB S2\" id=\"tn_65\">243,731 </span><span class=\"S1138 SB S2\" id=\"to_65\">41,252 </span><span class=\"S1139 SB S2\" id=\"tp_65\">67,657 </span><span class=\"S113A SB S2\" id=\"tq_65\">30,833 </span><span class=\"S113B SB S2\" id=\"tr_65\">1,202,038 </span><span class=\"S113C SA7 S2\" id=\"ts_65\">Increase due to acquisition </span><span class=\"S113D SA7 S2\" id=\"tt_65\">706 </span><span class=\"S113E SA7 S2\" id=\"tu_65\">478 </span><span class=\"S113F SA7 S2\" id=\"tv_65\">933 </span><span class=\"S1140 SA7 S2\" id=\"tw_65\">522 </span><span class=\"S1141 SA7 S2\" id=\"tx_65\">- </span><span class=\"S1142 SA7 S2\" id=\"ty_65\">- </span><span class=\"S1143 SA7 S2\" id=\"tz_65\">- </span><span class=\"S1144 SA7 S2\" id=\"t10_65\">2,639 </span><span class=\"S1145 SA7 S2\" id=\"t11_65\">Additions </span><span class=\"S1146 SA7 S2\" id=\"t12_65\">111,397 </span><span class=\"S1147 SA7 S2\" id=\"t13_65\">- </span><span class=\"S1148 SA7 S2\" id=\"t14_65\">66,034 </span><span class=\"S1149 SA7 S2\" id=\"t15_65\">29,709 </span><span class=\"S114A SA7 S2\" id=\"t16_65\">2,728 </span><span class=\"S114B SA7 S2\" id=\"t17_65\">79,638 </span><span class=\"S114C SA7 S2\" id=\"t18_65\">12,892 </span><span class=\"S114D SA7 S2\" id=\"t19_65\">302,398 </span><span class=\"S114E SA7 S2\" id=\"t1a_65\">Foreign currency </span><span class=\"S114F SA7 S2\" id=\"t1b_65\">translation differences </span><span class=\"S1150 SA7 S2\" id=\"t1c_65\">16,350 </span><span class=\"S1151 SA7 S2\" id=\"t1d_65\">3,067 </span><span class=\"S1152 SA7 S2\" id=\"t1e_65\">15,936 </span><span class=\"S1153 SA7 S2\" id=\"t1f_65\">10,951 </span><span class=\"S1154 SA7 S2\" id=\"t1g_65\">408 </span><span class=\"S1155 SA7 S2\" id=\"t1h_65\">316 </span><span class=\"S1156 SA7 S2\" id=\"t1i_65\">1,952 </span><span class=\"S1157 SA7 S2\" id=\"t1j_65\">48,980 </span><span class=\"S1158 SA7 S2\" id=\"t1k_65\">Disposals </span><span class=\"S1159 SA7 S2\" id=\"t1l_65\">(65,036) </span><span class=\"S115A SA7 S2\" id=\"t1m_65\">(12,060) </span><span class=\"S115B SA7 S2\" id=\"t1n_65\">(13,034) </span><span class=\"S115C SA7 S2\" id=\"t1o_65\">(1,100) </span><span class=\"S115D SA7 S2\" id=\"t1p_65\">(94,067) </span><span class=\"S115E SA7 S2\" id=\"t1q_65\">(14,471) </span><span class=\"S115F SA7 S2\" id=\"t1r_65\">(199,768) </span><span class=\"SAF7 SB S2\" id=\"t1s_65\">Closing balance </span><span class=\"S1160 SB S2\" id=\"t1t_65\">471,420 </span><span class=\"S1161 SB S2\" id=\"t1u_65\">109,185 </span><span class=\"S1162 SB S2\" id=\"t1v_65\">375,765 </span><span class=\"S1163 SB S2\" id=\"t1w_65\">271,879 </span><span class=\"S1164 SB S2\" id=\"t1x_65\">43,288 </span><span class=\"S1165 SB S2\" id=\"t1y_65\">53,544 </span><span class=\"S1166 SB S2\" id=\"t1z_65\">31,206 </span><span class=\"S1167 SB S2\" id=\"t20_65\">1,356,287 </span><span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1123 SB S2\" id=\"t3_66\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_66\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1196 SB S2\" id=\"t5_66\">For the year ended 31 December 2022 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_66\">Impairment </span><span class=\"S1198 SB S2\" id=\"t7_66\">Intangible </span><span class=\"S1199 SB S2\" id=\"t8_66\">assets </span><span class=\"S119A SB S2\" id=\"t9_66\">Goodwill </span><span class=\"S119B SB S2\" id=\"ta_66\">Property </span><span class=\"S119C SB S2\" id=\"tb_66\">Machinery and </span><span class=\"S119D SB S2\" id=\"tc_66\">office equipment </span><span class=\"S119E SB S2\" id=\"td_66\">Tangible assets subject </span><span class=\"S119F SB S2\" id=\"te_66\">to operating lease </span><span class=\"S11A0 SB S2\" id=\"tf_66\">Total </span><span class=\"S11A1 SB S2\" id=\"tg_66\">Balance as at 1 January </span><span class=\"S11A2 SB S2\" id=\"th_66\">2,705 </span><span class=\"S11A3 SB S2\" id=\"ti_66\">- </span><span class=\"S11A4 SB S2\" id=\"tj_66\">3,553 </span><span class=\"S11A5 SB S2\" id=\"tk_66\">43 </span><span class=\"S11A6 SB S2\" id=\"tl_66\">137 </span><span class=\"S11A7 SB S2\" id=\"tm_66\">6,438 </span><span class=\"S11A8 SA7 S2\" id=\"tn_66\">Impairment for the period </span><span class=\"S11A9 SA7 S2\" id=\"to_66\">37 </span><span class=\"S11AA SA7 S2\" id=\"tp_66\">67,715 </span><span class=\"S11AB SA7 S2\" id=\"tq_66\">590 </span><span class=\"S11AC SA7 S2\" id=\"tr_66\">- </span><span class=\"S11AD SA7 S2\" id=\"ts_66\">- </span><span class=\"S11AE SA7 S2\" id=\"tt_66\">68,342 </span><span class=\"S6CB SA7 S2\" id=\"tu_66\">Release of impairment for the period </span><span class=\"S11AF SA7 S2\" id=\"tv_66\">- </span><span class=\"S11B0 SA7 S2\" id=\"tw_66\">- </span><span class=\"S11B1 SA7 S2\" id=\"tx_66\">- </span><span class=\"S11B2 SA7 S2\" id=\"ty_66\">(122) </span><span class=\"S11B3 SA7 S2\" id=\"tz_66\">(122) </span><span class=\"S11B4 SA7 S2\" id=\"t10_66\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"t11_66\">translation differences </span><span class=\"S11B6 SA7 S2\" id=\"t12_66\">54 </span><span class=\"S11B7 SA7 S2\" id=\"t13_66\">(26,849) </span><span class=\"S11B8 SA7 S2\" id=\"t14_66\">258 </span><span class=\"S11B9 SA7 S2\" id=\"t15_66\">3 </span><span class=\"S11BA SA7 S2\" id=\"t16_66\">7 </span><span class=\"S11BB SA7 S2\" id=\"t17_66\">(26,527) </span><span class=\"S11BC SA7 S2\" id=\"t18_66\">Use of impairment </span><span class=\"S11BD SA7 S2\" id=\"t19_66\">- </span><span class=\"S11BE SA7 S2\" id=\"t1a_66\">(150) </span><span class=\"S11BF SA7 S2\" id=\"t1b_66\">- </span><span class=\"S11C0 SA7 S2\" id=\"t1c_66\">(3) </span><span class=\"S11C1 SA7 S2\" id=\"t1d_66\">(153) </span><span class=\"S11C2 SB S2\" id=\"t1e_66\">Closing balance </span><span class=\"S11C3 SB S2\" id=\"t1f_66\">2,796 </span><span class=\"S11C4 SB S2\" id=\"t1g_66\">40,866 </span><span class=\"S11C5 SB S2\" id=\"t1h_66\">4,251 </span><span class=\"S11C6 SB S2\" id=\"t1i_66\">46 </span><span class=\"S11C7 SB S2\" id=\"t1j_66\">19 </span><span class=\"S11C8 SB S2\" id=\"t1k_66\">47,978 </span><span class=\"S11C9 SB S2\" id=\"t1l_66\">Intangible </span><span class=\"S11CA SB S2\" id=\"t1m_66\">assets </span><span class=\"S11CB SB S2\" id=\"t1n_66\">Goodwill </span><span class=\"S11CC SB S2\" id=\"t1o_66\">Property </span><span class=\"S11CD SB S2\" id=\"t1p_66\">Machinery and </span><span class=\"S11CE SB S2\" id=\"t1q_66\">office equipment </span><span class=\"S11CF SB S2\" id=\"t1r_66\">Vehicle </span><span class=\"S11D0 SB S2\" id=\"t1s_66\">Construction </span><span class=\"S11D1 SB S2\" id=\"t1t_66\">in progress </span><span class=\"S11D2 SB S2\" id=\"t1u_66\">Tangible assets subject </span><span class=\"S11D3 SB S2\" id=\"t1v_66\">to operating lease </span><span class=\"S11D4 SB S2\" id=\"t1w_66\">Total </span><span class=\"S11D5 SB S2\" id=\"t1x_66\">Carrying value </span><span class=\"S11D6 SB S2\" id=\"t1y_66\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t1z_66\">142,991 </span><span class=\"S11D8 SB S2\" id=\"t20_66\">105,640 </span><span class=\"S11D9 SB S2\" id=\"t21_66\">217,662 </span><span class=\"S11DA SB S2\" id=\"t22_66\">70,550 </span><span class=\"S11DB SB S2\" id=\"t23_66\">34,064 </span><span class=\"S11DC SB S2\" id=\"t24_66\">67,657 </span><span class=\"S11DD SB S2\" id=\"t25_66\">21,203 </span><span class=\"S11DE SB S2\" id=\"t26_66\">659,767 </span><span class=\"S11DF SB S2\" id=\"t27_66\">Closing balance </span><span class=\"S11E0 SB S2\" id=\"t28_66\">168,712 </span><span class=\"S11E1 SB S2\" id=\"t29_66\">68,319 </span><span class=\"S11E2 SB S2\" id=\"t2a_66\">278,226 </span><span class=\"S11E3 SB S2\" id=\"t2b_66\">76,219 </span><span class=\"S11E4 SB S2\" id=\"t2c_66\">34,148 </span><span class=\"S11E5 SB S2\" id=\"t2d_66\">53,544 </span><span class=\"S11E6 SB S2\" id=\"t2e_66\">22,332 </span><span class=\"S11E7 SB S2\" id=\"t2f_66\">701,500 </span><span class=\"S11E8 SB S2\" id=\"t2g_66\">Fair values </span><span class=\"S11E9 SB S2\" id=\"t2h_66\">- </span><span class=\"S11EA SB S2\" id=\"t2i_66\">- </span><span class=\"S11EB SB S2\" id=\"t2j_66\">308,375 </span><span class=\"S11EC SB S2\" id=\"t2k_66\">76,230 </span><span class=\"S11ED SB S2\" id=\"t2l_66\">34,122 </span><span class=\"S11EE SB S2\" id=\"t2m_66\">- </span><span class=\"S11EF SB S2\" id=\"t2n_66\">22,351 </span><span class=\"S11F0 SB S2\" id=\"t2o_66\">441,078 </span><span class=\"S11F1 SB S2\" id=\"t2p_66\">Gross amount of the fully </span><span class=\"S11F2 SB S2\" id=\"t2q_66\">depreciated assets that </span><span class=\"S11F3 SB S2\" id=\"t2r_66\">are still in use </span><span class=\"S11F4 SB S2\" id=\"t2s_66\">152,718 </span><span class=\"S11F5 SB S2\" id=\"t2t_66\">- </span><span class=\"S11F6 SB S2\" id=\"t2u_66\">26,007 </span><span class=\"S11F7 SB S2\" id=\"t2v_66\">144,310 </span><span class=\"S11F8 SB S2\" id=\"t2w_66\">1,504 </span><span class=\"S11F9 SB S2\" id=\"t2x_66\">- </span><span class=\"S11FA SB S2\" id=\"t2y_66\">- </span><span class=\"S11FB SB S2\" id=\"t2z_66\">324,539 </span><span class=\"S11FC SA7 S2\" id=\"t30_66\">An analysis of the intangible assets for the year ended 31 December 2022 is as follows: </span><span class=\"S11FD SB S2\" id=\"t31_66\">Intangible assets </span><span class=\"S11FE SB S2\" id=\"t32_66\">Self-developed </span><span class=\"S11FF SB S2\" id=\"t33_66\">Purchased </span><span class=\"S1200 SB S2\" id=\"t34_66\">Total </span><span class=\"S1201 SA7 S2\" id=\"t35_66\">Gross values </span><span class=\"S1202 SA7 S2\" id=\"t36_66\">14,704 </span><span class=\"S1203 SA7 S2\" id=\"t37_66\">456,716 </span><span class=\"S1204 SA7 S2\" id=\"t38_66\">471,420 </span><span class=\"S1205 SA7 S2\" id=\"t39_66\">Accumulated amortization </span><span class=\"S1206 SA7 S2\" id=\"t3a_66\">(5,508) </span><span class=\"S1207 SA7 S2\" id=\"t3b_66\">(294,404) </span><span class=\"S1208 SA7 S2\" id=\"t3c_66\">(299,912) </span><span class=\"S1209 SA7 S2\" id=\"t3d_66\">Impairment </span><span class=\"S120A SA7 S2\" id=\"t3e_66\">- </span><span class=\"S120B SA7 S2\" id=\"t3f_66\">(2,796) </span><span class=\"S120C SA7 S2\" id=\"t3g_66\">(2,796) </span><span class=\"S120D SB S2\" id=\"t3h_66\">Carrying value </span><span class=\"S120E SB S2\" id=\"t3i_66\">9,196 </span><span class=\"S120F SB S2\" id=\"t3j_66\">159,516 </span><span class=\"S1210 SB S2\" id=\"t3k_66\">168,712 </span><span class=\"S1123 SB S2\" id=\"t3_67\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_67\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1211 SB S2\" id=\"t5_67\">For the year ended 31 December 2022 [continued] </span><span class=\"S1212 SA7 S2\" id=\"t6_67\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1213 S27D S2\" id=\"t7_67\">Subsidiaries </span><span class=\"S1214 S27D S2\" id=\"t8_67\">Carrying </span><span class=\"S1215 S27D S2\" id=\"t9_67\">amounts of the </span><span class=\"S1216 S27D S2\" id=\"ta_67\">subsidiary in </span><span class=\"S1217 S27D S2\" id=\"tb_67\">HUF million </span><span class=\"S1218 S27D S2\" id=\"tc_67\">Goodwill </span><span class=\"S1219 S27D S2\" id=\"td_67\">values in </span><span class=\"S121A S27D S2\" id=\"te_67\">HUF million </span><span class=\"S121B S27D S2\" id=\"tf_67\">Goodwill values in </span><span class=\"S121C S27D S2\" id=\"tg_67\">million functional </span><span class=\"S121D S27D S2\" id=\"th_67\">currency </span><span class=\"S121E S27D S2\" id=\"ti_67\">Type of </span><span class=\"S121F S27D S2\" id=\"tj_67\">functional </span><span class=\"S1220 S27D S2\" id=\"tk_67\">currency </span><span class=\"S1221 S27D S2\" id=\"tl_67\">Consolidated </span><span class=\"S1222 S27D S2\" id=\"tm_67\">ownership </span><span class=\"S1223 S27D S2\" id=\"tn_67\">interest </span><span class=\"S1224 S27D S2\" id=\"to_67\">With ownership </span><span class=\"S1225 S27D S2\" id=\"tp_67\">adjusted company </span><span class=\"S1226 S27D S2\" id=\"tq_67\">value in HUF million </span><span class=\"S1227 S27D S2\" id=\"tr_67\">Applied long </span><span class=\"S1228 S27D S2\" id=\"ts_67\">term grow rate </span><span class=\"S1229 S27D S2\" id=\"tt_67\">Applied </span><span class=\"S122A S27D S2\" id=\"tu_67\">long term </span><span class=\"S122B S27D S2\" id=\"tv_67\">discount </span><span class=\"S122C S27D S2\" id=\"tw_67\">rate </span><span class=\"S122D S27E S2\" id=\"tx_67\">DSK Bank EAD </span><span class=\"S122E S27E S2\" id=\"ty_67\">280,722 </span><span class=\"S122F S27E S2\" id=\"tz_67\">44,375 </span><span class=\"S1230 S27E S2\" id=\"t10_67\">28,541 </span><span class=\"S1231 S27E S2\" id=\"t11_67\">HUF </span><span class=\"S1232 S27E S2\" id=\"t12_67\">99.92% </span><span class=\"S1233 S27E S2\" id=\"t13_67\">840,031 </span><span class=\"S1234 S27E S2\" id=\"t14_67\">3.00% </span><span class=\"S1235 S27E S2\" id=\"t15_67\">12.54% </span><span class=\"S1236 S27E S2\" id=\"t16_67\">(Bulgaria) </span><span class=\"S1237 S27E S2\" id=\"t17_67\">77 </span><span class=\"S1238 S27E S2\" id=\"t18_67\">BGN </span><span class=\"S1239 S27E S2\" id=\"t19_67\">OTP banka d.d. </span><span class=\"S123A S27E S2\" id=\"t1a_67\">(Croatia) </span><span class=\"S123B S27E S2\" id=\"t1b_67\">205,349 </span><span class=\"S123C S27E S2\" id=\"t1c_67\">23,235 </span><span class=\"S123D S27E S2\" id=\"t1d_67\">58 </span><span class=\"S123E S27E S2\" id=\"t1e_67\">EUR </span><span class=\"S123F S27E S2\" id=\"t1f_67\">100.00% </span><span class=\"S1240 S27E S2\" id=\"t1g_67\">410,711 </span><span class=\"S1241 S27E S2\" id=\"t1h_67\">2.69% </span><span class=\"S1242 S27E S2\" id=\"t1i_67\">10.69% </span><span class=\"S1243 S27E S2\" id=\"t1j_67\">POK-DSK Rodina a.d. </span><span class=\"S1244 S27E S2\" id=\"t1k_67\">(Bulgaria) </span><span class=\"S1245 S27E S2\" id=\"t1l_67\">1,680 </span><span class=\"S1246 S27E S2\" id=\"t1m_67\">11 </span><span class=\"S1247 S27E S2\" id=\"t1n_67\">11 </span><span class=\"S1248 S27E S2\" id=\"t1o_67\">HUF </span><span class=\"S1249 S27E S2\" id=\"t1p_67\">99.85% </span><span class=\"S124A S27E S2\" id=\"t1q_67\">16,564 </span><span class=\"S124B S27E S2\" id=\"t1r_67\">3.00% </span><span class=\"S124C S27E S2\" id=\"t1s_67\">12.54% </span><span class=\"S124D S27E S2\" id=\"t1t_67\">George Consult </span><span class=\"S124E S27E S2\" id=\"t1u_67\">(Croatia) </span><span class=\"S124F S27E S2\" id=\"t1v_67\">225 </span><span class=\"S1250 S27E S2\" id=\"t1w_67\">220 </span><span class=\"S1251 S27E S2\" id=\"t1x_67\">4 </span><span class=\"S1252 S27E S2\" id=\"t1y_67\">HRK </span><span class=\"S1253 S27E S2\" id=\"t1z_67\">76.00% </span><span class=\"S1254 S27E S2\" id=\"t20_67\">171 </span><span class=\"S1255 S27E S2\" id=\"t21_67\">2.69% </span><span class=\"S1256 S27E S2\" id=\"t22_67\">10.69% </span><span class=\"S1257 S27E S2\" id=\"t23_67\">OTP Home Solutions Llc. </span><span class=\"S1258 S27E S2\" id=\"t24_67\">(Hungary) </span><span class=\"S1259 S27E S2\" id=\"t25_67\">2,570 </span><span class=\"S125A S27E S2\" id=\"t26_67\">478 </span><span class=\"S125B S27E S2\" id=\"t27_67\">478 </span><span class=\"S125C S27E S2\" id=\"t28_67\">HUF </span><span class=\"S125D S27E S2\" id=\"t29_67\">100.00% </span><span class=\"S125E S27E S2\" id=\"t2a_67\">2,570 </span><span class=\"S125F S27E S2\" id=\"t2b_67\">3.00% </span><span class=\"S1260 S27E S2\" id=\"t2c_67\">16.26% </span><span class=\"S1261 S27D S2\" id=\"t2d_67\">490,546 </span><span class=\"S1262 S27D S2\" id=\"t2e_67\">68,319 </span><span class=\"S1123 SB S2\" id=\"t3_68\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_68\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1263 SB S2\" id=\"t5_68\">For the year ended 31 December 2021 </span><span class=\"S1264 SB S2\" id=\"t6_68\">Cost </span><span class=\"S1265 SB S2\" id=\"t7_68\">Intangible </span><span class=\"S1266 SB S2\" id=\"t8_68\">assets </span><span class=\"S1267 SB S2\" id=\"t9_68\">Goodwill </span><span class=\"S1268 SB S2\" id=\"ta_68\">Property </span><span class=\"S1269 SB S2\" id=\"tb_68\">Machinery and </span><span class=\"S126A SB S2\" id=\"tc_68\">office equipment </span><span class=\"S126B SB S2\" id=\"td_68\">Vehicle </span><span class=\"S126C SB S2\" id=\"te_68\">Construction </span><span class=\"S126D SB S2\" id=\"tf_68\">in progress </span><span class=\"S126E SB S2\" id=\"tg_68\">Tangible assets subject </span><span class=\"S126F SB S2\" id=\"th_68\">to operating lease </span><span class=\"S1270 SB S2\" id=\"ti_68\">Total </span><span class=\"S11A1 SB S2\" id=\"tj_68\">Balance as at 1 January </span><span class=\"S1271 SB S2\" id=\"tk_68\">364,495 </span><span class=\"S1272 SB S2\" id=\"tl_68\">101,393 </span><span class=\"S1273 SB S2\" id=\"tm_68\">285,506 </span><span class=\"S1274 SB S2\" id=\"tn_68\">212,105 </span><span class=\"S1275 SB S2\" id=\"to_68\">23,893 </span><span class=\"S1276 SB S2\" id=\"tp_68\">23,403 </span><span class=\"S1277 SB S2\" id=\"tq_68\">28,926 </span><span class=\"S1278 SB S2\" id=\"tr_68\">1,039,721 </span><span class=\"S1279 SA7 S2\" id=\"ts_68\">Increase due to acquisition </span><span class=\"S127A SA7 S2\" id=\"tt_68\">- </span><span class=\"S127B SA7 S2\" id=\"tu_68\">Additions </span><span class=\"S127C SA7 S2\" id=\"tv_68\">90,887 </span><span class=\"S127D SA7 S2\" id=\"tw_68\">- </span><span class=\"S127E SA7 S2\" id=\"tx_68\">28,684 </span><span class=\"S127F SA7 S2\" id=\"ty_68\">37,266 </span><span class=\"S1280 SA7 S2\" id=\"tz_68\">19,135 </span><span class=\"S1281 SA7 S2\" id=\"t10_68\">111,316 </span><span class=\"S1282 SA7 S2\" id=\"t11_68\">13,427 </span><span class=\"S1283 SA7 S2\" id=\"t12_68\">300,715 </span><span class=\"S11B4 SA7 S2\" id=\"t13_68\">Foreign currency </span><span class=\"S1284 SA7 S2\" id=\"t14_68\">translation differences </span><span class=\"S1285 SA7 S2\" id=\"t15_68\">4,656 </span><span class=\"S1286 SA7 S2\" id=\"t16_68\">4,247 </span><span class=\"S1287 SA7 S2\" id=\"t17_68\">3,609 </span><span class=\"S1288 SA7 S2\" id=\"t18_68\">3,237 </span><span class=\"S1289 SA7 S2\" id=\"t19_68\">163 </span><span class=\"S128A SA7 S2\" id=\"t1a_68\">136 </span><span class=\"S128B SA7 S2\" id=\"t1b_68\">422 </span><span class=\"S128C SA7 S2\" id=\"t1c_68\">16,470 </span><span class=\"S128D SA7 S2\" id=\"t1d_68\">Disposals </span><span class=\"S128E SA7 S2\" id=\"t1e_68\">(52,035) </span><span class=\"S128F SA7 S2\" id=\"t1f_68\">- </span><span class=\"S1290 SA7 S2\" id=\"t1g_68\">(12,877) </span><span class=\"S1291 SA7 S2\" id=\"t1h_68\">(8,877) </span><span class=\"S1292 SA7 S2\" id=\"t1i_68\">(1,939) </span><span class=\"S1293 SA7 S2\" id=\"t1j_68\">(67,198) </span><span class=\"S1294 SA7 S2\" id=\"t1k_68\">(11,942) </span><span class=\"S1295 SA7 S2\" id=\"t1l_68\">(154,868) </span><span class=\"S11C2 SB S2\" id=\"t1m_68\">Closing balance </span><span class=\"S1296 SB S2\" id=\"t1n_68\">408,003 </span><span class=\"S1297 SB S2\" id=\"t1o_68\">105,640 </span><span class=\"S1298 SB S2\" id=\"t1p_68\">304,922 </span><span class=\"S1299 SB S2\" id=\"t1q_68\">243,731 </span><span class=\"S129A SB S2\" id=\"t1r_68\">41,252 </span><span class=\"S129B SB S2\" id=\"t1s_68\">67,657 </span><span class=\"S129C SB S2\" id=\"t1t_68\">30,833 </span><span class=\"S129D SB S2\" id=\"t1u_68\">1,202,038 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span><span class=\"S1123 SB S2\" id=\"t3_69\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_69\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_69\">For the year ended 31 December 2021 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_69\">Impairment </span><span class=\"S12CB SB S2\" id=\"t7_69\">Intangible </span><span class=\"S12CC SB S2\" id=\"t8_69\">assets </span><span class=\"S12CD SB S2\" id=\"t9_69\">Property </span><span class=\"S12CE SB S2\" id=\"ta_69\">Machinery and </span><span class=\"S12CF SB S2\" id=\"tb_69\">office equipment </span><span class=\"S12D0 SB S2\" id=\"tc_69\">Tangible assets subject </span><span class=\"S12D1 SB S2\" id=\"td_69\">to operating lease </span><span class=\"S12D2 SB S2\" id=\"te_69\">Total </span><span class=\"S11A1 SB S2\" id=\"tf_69\">Balance as at 1 January </span><span class=\"S12D3 SB S2\" id=\"tg_69\">2,704 </span><span class=\"S12D4 SB S2\" id=\"th_69\">1,122 </span><span class=\"S12D5 SB S2\" id=\"ti_69\">42 </span><span class=\"S12D6 SB S2\" id=\"tj_69\">338 </span><span class=\"S12D7 SB S2\" id=\"tk_69\">4,206 </span><span class=\"S11A8 SA7 S2\" id=\"tl_69\">Impairment for the period </span><span class=\"S12D8 SA7 S2\" id=\"tm_69\">- </span><span class=\"S12D9 SA7 S2\" id=\"tn_69\">2,967 </span><span class=\"S12DA SA7 S2\" id=\"to_69\">- </span><span class=\"S12DB SA7 S2\" id=\"tp_69\">9 </span><span class=\"S12DC SA7 S2\" id=\"tq_69\">2,976 </span><span class=\"S12DD SA7 S2\" id=\"tr_69\">Release of impairment for the period </span><span class=\"S12DE SA7 S2\" id=\"ts_69\">- </span><span class=\"S12DF SA7 S2\" id=\"tt_69\">- </span><span class=\"S12E0 SA7 S2\" id=\"tu_69\">- </span><span class=\"S12E1 SA7 S2\" id=\"tv_69\">(204) </span><span class=\"S12E2 SA7 S2\" id=\"tw_69\">(204) </span><span class=\"S11B4 SA7 S2\" id=\"tx_69\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"ty_69\">translation differences </span><span class=\"S12E3 SA7 S2\" id=\"tz_69\">5 </span><span class=\"S12E4 SA7 S2\" id=\"t10_69\">55 </span><span class=\"S12E5 SA7 S2\" id=\"t11_69\">6 </span><span class=\"S12E6 SA7 S2\" id=\"t12_69\">(1) </span><span class=\"S12E7 SA7 S2\" id=\"t13_69\">65 </span><span class=\"S11BC SA7 S2\" id=\"t14_69\">Use of impairment </span><span class=\"S12E8 SA7 S2\" id=\"t15_69\">(4) </span><span class=\"S12E9 SA7 S2\" id=\"t16_69\">(591) </span><span class=\"S12EA SA7 S2\" id=\"t17_69\">(5) </span><span class=\"S1293 SA7 S2\" id=\"t18_69\">(5) </span><span class=\"S12EB SA7 S2\" id=\"t19_69\">(605) </span><span class=\"S11C2 SB S2\" id=\"t1a_69\">Closing balance </span><span class=\"S12EC SB S2\" id=\"t1b_69\">2,705 </span><span class=\"S12ED SB S2\" id=\"t1c_69\">3,553 </span><span class=\"S12EE SB S2\" id=\"t1d_69\">43 </span><span class=\"S12EF SB S2\" id=\"t1e_69\">137 </span><span class=\"S12F0 SB S2\" id=\"t1f_69\">6,438 </span><span class=\"S12F1 SB S2\" id=\"t1g_69\">Intangible </span><span class=\"S12F2 SB S2\" id=\"t1h_69\">assets </span><span class=\"S12F3 SB S2\" id=\"t1i_69\">Goodwill </span><span class=\"S12F4 SB S2\" id=\"t1j_69\">Property </span><span class=\"S12F5 SB S2\" id=\"t1k_69\">Machinery and </span><span class=\"S12F6 SB S2\" id=\"t1l_69\">office equipment </span><span class=\"S12F7 SB S2\" id=\"t1m_69\">Vehicle </span><span class=\"S12F8 SB S2\" id=\"t1n_69\">Construction in </span><span class=\"S12F9 SB S2\" id=\"t1o_69\">progress </span><span class=\"S12FA SB S2\" id=\"t1p_69\">Tangible assets subject </span><span class=\"S12FB SB S2\" id=\"t1q_69\">to operating lease </span><span class=\"S12FC SB S2\" id=\"t1r_69\">Total </span><span class=\"S12FD SB S2\" id=\"t1s_69\">Carrying value </span><span class=\"S12FE SB S2\" id=\"t1t_69\">Balance as at 1 January </span><span class=\"S12FF SB S2\" id=\"t1u_69\">137,611 </span><span class=\"S1300 SB S2\" id=\"t1v_69\">101,393 </span><span class=\"S1301 SB S2\" id=\"t1w_69\">206,631 </span><span class=\"S1302 SB S2\" id=\"t1x_69\">56,771 </span><span class=\"S1303 SB S2\" id=\"t1y_69\">17,652 </span><span class=\"S1304 SB S2\" id=\"t1z_69\">23,403 </span><span class=\"S1305 SB S2\" id=\"t20_69\">18,309 </span><span class=\"S1306 SB S2\" id=\"t21_69\">561,770 </span><span class=\"S1307 SB S2\" id=\"t22_69\">Closing balance </span><span class=\"S1308 SB S2\" id=\"t23_69\">142,991 </span><span class=\"S1309 SB S2\" id=\"t24_69\">105,640 </span><span class=\"S130A SB S2\" id=\"t25_69\">217,662 </span><span class=\"S130B SB S2\" id=\"t26_69\">70,550 </span><span class=\"S130C SB S2\" id=\"t27_69\">34,064 </span><span class=\"S130D SB S2\" id=\"t28_69\">67,657 </span><span class=\"S130E SB S2\" id=\"t29_69\">21,203 </span><span class=\"S130F SB S2\" id=\"t2a_69\">659,767 </span><span class=\"S1310 SB S2\" id=\"t2b_69\">Fair values </span><span class=\"S1311 SB S2\" id=\"t2c_69\">- </span><span class=\"S1312 SB S2\" id=\"t2d_69\">- </span><span class=\"S1313 SB S2\" id=\"t2e_69\">247,754 </span><span class=\"S1314 SB S2\" id=\"t2f_69\">70,258 </span><span class=\"S1315 SB S2\" id=\"t2g_69\">34,063 </span><span class=\"S1316 SB S2\" id=\"t2h_69\">- </span><span class=\"S1317 SB S2\" id=\"t2i_69\">21,339 </span><span class=\"S1318 SB S2\" id=\"t2j_69\">373,414 </span><span class=\"S1319 SB S2\" id=\"t2k_69\">Gross amount of the fully </span><span class=\"S131A SB S2\" id=\"t2l_69\">depreciated assets that </span><span class=\"S131B SB S2\" id=\"t2m_69\">are still in use </span><span class=\"S131C SB S2\" id=\"t2n_69\">129,805 </span><span class=\"S131D SB S2\" id=\"t2o_69\">- </span><span class=\"S131E SB S2\" id=\"t2p_69\">25,396 </span><span class=\"S131F SB S2\" id=\"t2q_69\">132,611 </span><span class=\"S1320 SB S2\" id=\"t2r_69\">924 </span><span class=\"S1321 SB S2\" id=\"t2s_69\">- </span><span class=\"S1322 SB S2\" id=\"t2t_69\">- </span><span class=\"S1323 SB S2\" id=\"t2u_69\">288,736 </span><span class=\"SA1A SA7 S2\" id=\"t2v_69\">An analysis of the intangible assets for the year ended 31 December 2021 is as follows: </span><span class=\"S1324 SB S2\" id=\"t2w_69\">Intangible assets </span><span class=\"S1325 SB S2\" id=\"t2x_69\">Self-developed </span><span class=\"S1326 SB S2\" id=\"t2y_69\">Purchased </span><span class=\"S1327 SB S2\" id=\"t2z_69\">Total </span><span class=\"S1328 SA7 S2\" id=\"t30_69\">Gross values </span><span class=\"S1329 SA7 S2\" id=\"t31_69\">12,700 </span><span class=\"S132A SA7 S2\" id=\"t32_69\">395,303 </span><span class=\"S132B SA7 S2\" id=\"t33_69\">408,003 </span><span class=\"S132C SA7 S2\" id=\"t34_69\">Accumulated amortization </span><span class=\"S132D SA7 S2\" id=\"t35_69\">(5,017) </span><span class=\"S132E SA7 S2\" id=\"t36_69\">(257,290) </span><span class=\"S132F SA7 S2\" id=\"t37_69\">(262,307) </span><span class=\"S1330 SA7 S2\" id=\"t38_69\">Impairment </span><span class=\"S1331 SA7 S2\" id=\"t39_69\">- </span><span class=\"S1332 SA7 S2\" id=\"t3a_69\">(2,705) </span><span class=\"S1333 SA7 S2\" id=\"t3b_69\">(2,705) </span><span class=\"S1334 SB S2\" id=\"t3c_69\">Carrying value </span><span class=\"S1335 SB S2\" id=\"t3d_69\">7,683 </span><span class=\"S1336 SB S2\" id=\"t3e_69\">135,308 </span><span class=\"S1337 SB S2\" id=\"t3f_69\">142,991 </span><span class=\"S1123 SB S2\" id=\"t3_70\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_70\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_70\">For the year ended 31 December 2021 [continued] </span><span class=\"S1338 SA7 S2\" id=\"t6_70\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1339 S27D S2\" id=\"t7_70\">Subsidiaries </span><span class=\"S133A S27D S2\" id=\"t8_70\">Carrying </span><span class=\"S133B S27D S2\" id=\"t9_70\">amounts of the </span><span class=\"S133C S27D S2\" id=\"ta_70\">subsidiary in </span><span class=\"S133D S27D S2\" id=\"tb_70\">HUF million </span><span class=\"S133E S27D S2\" id=\"tc_70\">Goodwill </span><span class=\"S133F S27D S2\" id=\"td_70\">values in </span><span class=\"S1340 S27D S2\" id=\"te_70\">HUF million </span><span class=\"S1341 S27D S2\" id=\"tf_70\">Goodwill values in </span><span class=\"S1342 S27D S2\" id=\"tg_70\">million functional </span><span class=\"S1343 S27D S2\" id=\"th_70\">currency </span><span class=\"S1344 S27D S2\" id=\"ti_70\">Type of </span><span class=\"S1345 S27D S2\" id=\"tj_70\">functional </span><span class=\"S1346 S27D S2\" id=\"tk_70\">currency </span><span class=\"S1347 S27D S2\" id=\"tl_70\">Consolidated </span><span class=\"S1348 S27D S2\" id=\"tm_70\">ownership </span><span class=\"S1349 S27D S2\" id=\"tn_70\">interest </span><span class=\"S134A S27D S2\" id=\"to_70\">With ownership </span><span class=\"S134B S27D S2\" id=\"tp_70\">adjusted company </span><span class=\"S134C S27D S2\" id=\"tq_70\">value in HUF million </span><span class=\"S134D S27D S2\" id=\"tr_70\">Applied long </span><span class=\"S134E S27D S2\" id=\"ts_70\">term grow rate </span><span class=\"S134F S27D S2\" id=\"tt_70\">Applied </span><span class=\"S1350 S27D S2\" id=\"tu_70\">long term </span><span class=\"S1351 S27D S2\" id=\"tv_70\">discount </span><span class=\"S1352 S27D S2\" id=\"tw_70\">rate </span><span class=\"S1353 S27E S2\" id=\"tx_70\">DSK Bank EAD </span><span class=\"S1354 S27E S2\" id=\"ty_70\">280,692 </span><span class=\"S1355 S27E S2\" id=\"tz_70\">43,138 </span><span class=\"S1356 S27E S2\" id=\"t10_70\">28,541 </span><span class=\"S1357 S27E S2\" id=\"t11_70\">HUF </span><span class=\"S1358 S27E S2\" id=\"t12_70\">99.91% </span><span class=\"S1359 S27E S2\" id=\"t13_70\">832,445 </span><span class=\"S135A S27E S2\" id=\"t14_70\">3.00% </span><span class=\"S135B S27E S2\" id=\"t15_70\">7.90% </span><span class=\"S135C S27E S2\" id=\"t16_70\">(Bulgaria) </span><span class=\"S135D S27E S2\" id=\"t17_70\">77 </span><span class=\"S135E S27E S2\" id=\"t18_70\">BGN </span><span class=\"S135F S27E S2\" id=\"t19_70\">OTP banka d.d. </span><span class=\"S1360 S27E S2\" id=\"t1a_70\">(Croatia) </span><span class=\"S1361 S27E S2\" id=\"t1b_70\">205,349 </span><span class=\"S1362 S27E S2\" id=\"t1c_70\">21,421 </span><span class=\"S1363 S27E S2\" id=\"t1d_70\">58 </span><span class=\"S1364 S27E S2\" id=\"t1e_70\">EUR </span><span class=\"S1365 S27E S2\" id=\"t1f_70\">100.00% </span><span class=\"S1366 S27E S2\" id=\"t1g_70\">361,995 </span><span class=\"S1367 S27E S2\" id=\"t1h_70\">2.69% </span><span class=\"S1368 S27E S2\" id=\"t1i_70\">8.83% </span><span class=\"S1369 S27F S2\" id=\"t1j_70\">JSC \u201cOTP Bank\u201d </span><span class=\"S136A S27E S2\" id=\"t1k_70\">(Russia) </span><span class=\"S136B S27E S2\" id=\"t1l_70\">124,411 </span><span class=\"S136C S27E S2\" id=\"t1m_70\">40,866 </span><span class=\"S136D S27E S2\" id=\"t1n_70\">9,395 </span><span class=\"S136E S27E S2\" id=\"t1o_70\">RUB </span><span class=\"S136F S27E S2\" id=\"t1p_70\">97.92% </span><span class=\"S1370 S27E S2\" id=\"t1q_70\">187,552 </span><span class=\"S1371 S27E S2\" id=\"t1r_70\">1.89% </span><span class=\"S1372 S27E S2\" id=\"t1s_70\">15.44% </span><span class=\"S1373 S27E S2\" id=\"t1t_70\">POK-DSK Rodina a.d. </span><span class=\"S1374 S27E S2\" id=\"t1u_70\">(Bulgaria) </span><span class=\"S1375 S27E S2\" id=\"t1v_70\">1,680 </span><span class=\"S1376 S27E S2\" id=\"t1w_70\">11 </span><span class=\"S1377 S27E S2\" id=\"t1x_70\">11 </span><span class=\"S1378 S27E S2\" id=\"t1y_70\">HUF </span><span class=\"S1379 S27E S2\" id=\"t1z_70\">99.85% </span><span class=\"S137A S27E S2\" id=\"t20_70\">15,299 </span><span class=\"S137B S27E S2\" id=\"t21_70\">3.00% </span><span class=\"S137C S27E S2\" id=\"t22_70\">7.90% </span><span class=\"S137D S27E S2\" id=\"t23_70\">George Consult </span><span class=\"S137E S27E S2\" id=\"t24_70\">(Croatia) </span><span class=\"S137F S27E S2\" id=\"t25_70\">225 </span><span class=\"S1380 S27E S2\" id=\"t26_70\">204 </span><span class=\"S1381 S27E S2\" id=\"t27_70\">4 </span><span class=\"S1382 S27E S2\" id=\"t28_70\">HRK </span><span class=\"S1383 S27E S2\" id=\"t29_70\">76.00% </span><span class=\"S1384 S27E S2\" id=\"t2a_70\">171 </span><span class=\"S1385 S27E S2\" id=\"t2b_70\">2.69% </span><span class=\"S1386 S27E S2\" id=\"t2c_70\">8.83% </span><span class=\"S1387 S27D S2\" id=\"t2d_70\">612,357 </span><span class=\"S1388 S27D S2\" id=\"t2e_70\">105,640 </span><span class=\"SFA4 SB S2\" id=\"t3_71\">NOTE 14: </span><span class=\"SDB9 SB S2\" id=\"t4_71\">INVESTMENT PROPERTIES (in HUF mn) </span><span class=\"S10A8 SA7 S2\" id=\"t5_71\">An analysis of the change in gross values of investment properties is as follows: </span><span class=\"S1389 SB S2\" id=\"t6_71\">Gross values </span><span class=\"SD71 SB S2\" id=\"t7_71\">2022 </span><span class=\"SD72 SB S2\" id=\"t8_71\">2021 </span><span class=\"S138A SB S2\" id=\"t9_71\">Balance as at 1 January </span><span class=\"S138B SB S2\" id=\"ta_71\">40,241 </span><span class=\"S138C SB S2\" id=\"tb_71\">54,154 </span><span class=\"S138D SA7 S2\" id=\"tc_71\">Increase due to transfer from inventories </span><span class=\"S138E SA7 S2\" id=\"td_71\">or owner-occupied properties </span><span class=\"S138F SA7 S2\" id=\"te_71\">1,830 </span><span class=\"S1390 SA7 S2\" id=\"tf_71\">3,425 </span><span class=\"S1391 SA7 S2\" id=\"tg_71\">Increase from purchase </span><span class=\"S1392 SA7 S2\" id=\"th_71\">20,935 </span><span class=\"S1393 SA7 S2\" id=\"ti_71\">134 </span><span class=\"S1394 SA7 S2\" id=\"tj_71\">Transfer to held-for-sale properties </span><span class=\"S1395 SA7 S2\" id=\"tk_71\">(321) </span><span class=\"S1396 SA7 S2\" id=\"tl_71\">(66) </span><span class=\"S1397 SA7 S2\" id=\"tm_71\">Transfer to inventories or owner-occupied properties </span><span class=\"S1398 SA7 S2\" id=\"tn_71\">(1,442) </span><span class=\"S1399 SA7 S2\" id=\"to_71\">(2,858) </span><span class=\"S139A SA7 S2\" id=\"tp_71\">Disposal due to sale </span><span class=\"S139B SA7 S2\" id=\"tq_71\">(1,798) </span><span class=\"S139C SA7 S2\" id=\"tr_71\">(14,993) </span><span class=\"S139D SA7 S2\" id=\"ts_71\">Foreign currency translation difference </span><span class=\"S139E SA7 S2\" id=\"tt_71\">1,901 </span><span class=\"S139F SA7 S2\" id=\"tu_71\">445 </span><span class=\"S13A0 SB S2\" id=\"tv_71\">Closing balance </span><span class=\"S13A1 SB S2\" id=\"tw_71\">61,346 </span><span class=\"S13A2 SB S2\" id=\"tx_71\">40,241 </span><span class=\"S13A3 SA7 S2\" id=\"ty_71\">The applied depreciation and amortization rates were as follows: </span><span class=\"S13A4 SB S2\" id=\"tz_71\">2022 </span><span class=\"S13A5 SB S2\" id=\"t10_71\">2021 </span><span class=\"S13A6 SA7 S2\" id=\"t11_71\">Depreciation and amortization rates </span><span class=\"S13A7 SA7 S2\" id=\"t12_71\">2.00% - 20.00% </span><span class=\"S13A8 SA7 S2\" id=\"t13_71\">1.00% - 20.00% </span><span class=\"S13A9 SA7 S2\" id=\"t14_71\">An analysis of the movement in the depreciation and amortization on investment properties is as follows: </span><span class=\"S13AA SB S2\" id=\"t15_71\">Depreciation and amortization </span><span class=\"S13AB SB S2\" id=\"t16_71\">2022 </span><span class=\"S13AC SB S2\" id=\"t17_71\">2021 </span><span class=\"S13AD SB S2\" id=\"t18_71\">Balance as at 1 January </span><span class=\"S13AE SB S2\" id=\"t19_71\">9,111 </span><span class=\"S13AF SB S2\" id=\"t1a_71\">11,383 </span><span class=\"S13B0 SA7 S2\" id=\"t1b_71\">Additions due to transfer from inventories </span><span class=\"S13B1 SA7 S2\" id=\"t1c_71\">or owner-occupied properties </span><span class=\"S13B2 SA7 S2\" id=\"t1d_71\">1,513 </span><span class=\"S13B3 SA7 S2\" id=\"t1e_71\">1,296 </span><span class=\"S13B4 SA7 S2\" id=\"t1f_71\">Charge for the period </span><span class=\"S13B5 SA7 S2\" id=\"t1g_71\">912 </span><span class=\"S13B6 SA7 S2\" id=\"t1h_71\">1,113 </span><span class=\"S13B7 SA7 S2\" id=\"t1i_71\">Transfer to inventories or owner-occupied properties </span><span class=\"S13B8 SA7 S2\" id=\"t1j_71\">(126) </span><span class=\"S13B9 SA7 S2\" id=\"t1k_71\">(236) </span><span class=\"S13BA SA7 S2\" id=\"t1l_71\">Disposal due to sale </span><span class=\"S13BB SA7 S2\" id=\"t1m_71\">(780) </span><span class=\"S13BC SA7 S2\" id=\"t1n_71\">(4,577) </span><span class=\"S13BD SA7 S2\" id=\"t1o_71\">Transfer to held-for-sale properties </span><span class=\"S13BE SA7 S2\" id=\"t1p_71\">(17) </span><span class=\"S13BF SA7 S2\" id=\"t1q_71\">- </span><span class=\"S13C0 SA7 S2\" id=\"t1r_71\">Foreign currency translation difference </span><span class=\"S13C1 SA7 S2\" id=\"t1s_71\">660 </span><span class=\"S13C2 SA7 S2\" id=\"t1t_71\">132 </span><span class=\"S13C3 SB S2\" id=\"t1u_71\">Closing balance </span><span class=\"S13C4 SB S2\" id=\"t1v_71\">11,273 </span><span class=\"S13C5 SB S2\" id=\"t1w_71\">9,111 </span><span class=\"S13C6 SA7 S2\" id=\"t1x_71\">An analysis of the movement in the impairment on investment properties is as follows: </span><span class=\"S13C7 SB S2\" id=\"t1y_71\">Impairment </span><span class=\"S13C8 SB S2\" id=\"t1z_71\">2022 </span><span class=\"S13C9 SB S2\" id=\"t20_71\">2021 </span><span class=\"S13CA SB S2\" id=\"t21_71\">Balance as at 1 January </span><span class=\"S13CB SB S2\" id=\"t22_71\">1,248 </span><span class=\"S13CC SB S2\" id=\"t23_71\">4,170 </span><span class=\"S13CD SA7 S2\" id=\"t24_71\">Impairment for the period </span><span class=\"S13CE SA7 S2\" id=\"t25_71\">1,389 </span><span class=\"S13CF SA7 S2\" id=\"t26_71\">54 </span><span class=\"S13D0 SA7 S2\" id=\"t27_71\">Release of impairment for the period </span><span class=\"S13D1 SA7 S2\" id=\"t28_71\">(63) </span><span class=\"S13D2 SA7 S2\" id=\"t29_71\">(297) </span><span class=\"S13D3 SA7 S2\" id=\"t2a_71\">Use of impairment </span><span class=\"S13D4 SA7 S2\" id=\"t2b_71\">(40) </span><span class=\"S13D5 SA7 S2\" id=\"t2c_71\">(2,726) </span><span class=\"S13D6 SA7 S2\" id=\"t2d_71\">Decrease due to transfer to inventories </span><span class=\"S13D7 SA7 S2\" id=\"t2e_71\">or owner-occupied properties </span><span class=\"S13D8 SA7 S2\" id=\"t2f_71\">(8) </span><span class=\"S13D9 SA7 S2\" id=\"t2g_71\">- </span><span class=\"S13DA SA7 S2\" id=\"t2h_71\">Foreign currency translation difference </span><span class=\"S13DB SA7 S2\" id=\"t2i_71\">95 </span><span class=\"S13DC SA7 S2\" id=\"t2j_71\">47 </span><span class=\"S13DD SB S2\" id=\"t2k_71\">Closing balance </span><span class=\"S13DE SB S2\" id=\"t2l_71\">2,621 </span><span class=\"S13DF SB S2\" id=\"t2m_71\">1,248 </span><span class=\"SFA4 SB S2\" id=\"t3_72\">NOTE 14: </span><span class=\"S13E0 SB S2\" id=\"t4_72\">INVESTMENT PROPERTIES (in HUF mn) [continued] </span><span class=\"S13E1 SB S2\" id=\"t5_72\">Carrying values </span><span class=\"SEDF SB S2\" id=\"t6_72\">2022 </span><span class=\"SEE0 SB S2\" id=\"t7_72\">2021 </span><span class=\"S13E2 SB S2\" id=\"t8_72\">Balance as at 1 January </span><span class=\"S13E3 SB S2\" id=\"t9_72\">29,882 </span><span class=\"S13E4 SB S2\" id=\"ta_72\">38,601 </span><span class=\"S13E5 SB S2\" id=\"tb_72\">Closing balance </span><span class=\"SD75 SB S2\" id=\"tc_72\">47,452 </span><span class=\"SD76 SB S2\" id=\"td_72\">29,882 </span><span class=\"S13E6 SB S2\" id=\"te_72\">Fair values </span><span class=\"S13E7 SB S2\" id=\"tf_72\">61,198 </span><span class=\"S13E8 SB S2\" id=\"tg_72\">34,257 </span><span class=\"S13E9 SA7 S2\" id=\"th_72\">The Group chose the cost model for measuring investment properties but estimates and reviews the fair value of </span><span class=\"S13EA SA7 S2\" id=\"ti_72\">the investment properties by external experts, these investment properties would have been presented on level 3 </span><span class=\"S13EB SA7 S2\" id=\"tj_72\">in the fair </span><span class=\"S13EC S5B9 S2\" id=\"tk_72\">value hierarchy if the Group didn\u2019t apply cost method for this recognition. </span><span class=\"S13ED SB S2\" id=\"tl_72\">Income and expenses </span><span class=\"S13EE SB S2\" id=\"tm_72\">2022 </span><span class=\"S13EF SB S2\" id=\"tn_72\">2021 </span><span class=\"S13F0 SA7 S2\" id=\"to_72\">Rental income </span><span class=\"S13F1 SA7 S2\" id=\"tp_72\">2,511 </span><span class=\"S13F2 SA7 S2\" id=\"tq_72\">2,621 </span><span class=\"S13F3 SA7 S2\" id=\"tr_72\">Direct operating expenses of investment properties </span><span class=\"S13F4 S5B9 S2\" id=\"ts_72\">\u2013 </span><span class=\"S13F5 SA7 S2\" id=\"tt_72\">income generating </span><span class=\"S13F6 SA7 S2\" id=\"tu_72\">426 </span><span class=\"S13F7 SA7 S2\" id=\"tv_72\">318 </span><span class=\"S13F8 SA7 S2\" id=\"tw_72\">Direct operating expenses of investment properties </span><span class=\"S13F9 S5B9 S2\" id=\"tx_72\">\u2013 </span><span class=\"S13FA SA7 S2\" id=\"ty_72\">non income generating </span><span class=\"S13FB SA7 S2\" id=\"tz_72\">82 </span><span class=\"S13FC SA7 S2\" id=\"t10_72\">14 </span><span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6061": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_64\">NOTE 13: </span><span class=\"S10EA SB S2\" id=\"t4_64\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) </span><span class=\"S10EB SA7 S2\" id=\"t5_64\">There are different kinds of tangible and intangible assets held by the Group. In the followings there are presented </span><span class=\"S10EC SA7 S2\" id=\"t6_64\">reasons of the changes from opening values to closing ones in the gross values, the accumulated depreciation and </span><span class=\"S10ED SA7 S2\" id=\"t7_64\">amortization and in the impairment of the tangible and intangible assets in the Group. Here can be found </span><span class=\"S10EE SA7 S2\" id=\"t8_64\">information about the fair values of the tangible assets and gross amounts of those assets which were fully </span><span class=\"S8F2 SA7 S2\" id=\"t9_64\">depreciated but which are still in use. </span><span class=\"S10EF SA7 S2\" id=\"ta_64\">Carrying amount of the temporarily idle properties was HUF 3,466 million and HUF 3,057 million as at 31 </span><span class=\"S10F0 SA7 S2\" id=\"tb_64\">December 2022 and 31 December 2021, respectively. </span><span class=\"S10F1 SA7 S2\" id=\"tc_64\">There were no restrictions on title and properties, plants or equipment pledged as security for liabilities as at 31 </span><span class=\"S10F2 SA7 S2\" id=\"td_64\">December 2022 and 2021. </span><span class=\"S10F3 SA7 S2\" id=\"te_64\">As at 31 December 2022 and 2021 the amount of contractual commitments for the acquisition of tangible and </span><span class=\"S5C4 SA7 S2\" id=\"tf_64\">intangible assets was HUF 21,116 million and HUF 1,595 million, respectively. </span><span class=\"S10F4 SA7 S2\" id=\"tg_64\">Impairment for the properties in the current period was needed as a result of the valuation performed by using the </span><span class=\"S10F5 SA7 S2\" id=\"th_64\">comparative value method (market analogy method) with direct comparison to the market price of other similar </span><span class=\"S10F6 SA7 S2\" id=\"ti_64\">properties. Actual market transactions were used based on the 6-month period prior to the valuation date where </span><span class=\"S10F7 S5B9 S2\" id=\"tj_64\">the market price of the analogous property is adjusted by an expert coefficient for market adaptation (\u201cECMA\u201d). </span><span class=\"S10F8 SA7 S2\" id=\"tk_64\">Usually this range is from -25% to +25% and reflects the availability of sufficient market information for similar </span><span class=\"S10F9 SA7 S2\" id=\"tl_64\">items but at these properties ECMA exceeded this range where the circumstances were exceptional although by </span><span class=\"S10FA SA7 S2\" id=\"tm_64\">decision of the appraiser it was used only for unique properties with characteristics similar to the appraised ones, </span><span class=\"S6F5 SA7 S2\" id=\"tn_64\">for which no sufficient market analogues are available. The price was adjusted by coefficients reflecting the area, </span><span class=\"S10FB SA7 S2\" id=\"to_64\">location, size and structure of the property, as well as a weighing factor reflecting the weight of the selected market </span><span class=\"S10FC SA7 S2\" id=\"tp_64\">analogies in the determined fair value. </span><span class=\"S10FD SA7 S2\" id=\"tq_64\">The Bank decided that the recoverable amount of goodwill is determined based on fair value less cost of disposal. </span><span class=\"S10FE SA7 S2\" id=\"tr_64\">When the Bank prepares goodwill impairment tests of the subsidiaries, the two methods which are used based on </span><span class=\"S10FF SA7 S2\" id=\"ts_64\">discounted cash-flow calculation that shows the same result; however, they represent different economical logics. </span><span class=\"S1100 SA7 S2\" id=\"tt_64\">Based on the internal regulation of the Bank as at 31 December 2021 impairment test was prepared where a three- </span><span class=\"S1101 SA7 S2\" id=\"tu_64\">year cash-flow model was applied with an explicit period between 2022-2024. The basis for the estimation was </span><span class=\"S1102 SA7 S2\" id=\"tv_64\">the actual data of May 2022 and based on the prepared medium-term (2022-2024) forecasts. When the Bank </span><span class=\"S1103 SA7 S2\" id=\"tw_64\">prepared the calculations for the period 2022-2024, it considered the actual worldwide economic situations, the </span><span class=\"S1104 SA7 S2\" id=\"tx_64\">expected economic growth for the following years, their possible effects on the financial sector, the plans for </span><span class=\"S1105 SA7 S2\" id=\"ty_64\">growing which result from these, and the expected changes of the mentioned factors. </span><span class=\"SB35 SB S2\" id=\"tz_64\">Present value calculation with the Free Cash-Flow method </span><span class=\"S1106 SA7 S2\" id=\"t10_64\">The Bank calculated the expected cash-flow for the given period based on the expected after-tax profit of the </span><span class=\"S1107 SA7 S2\" id=\"t11_64\">companies. The calculation is highly sensitive to the level of discount rate and growth rate used. As discount factor </span><span class=\"S1108 SA7 S2\" id=\"t12_64\">the Bank uses a zero coupon yield curve derived by the Headquarter Asse-Liability Management department. This </span><span class=\"S1109 S5B9 S2\" id=\"t13_64\">zero coupon curve is estimated for each related countries, based on the countries\u2019 issued bonds and segmented by </span><span class=\"S110A S5B9 S2\" id=\"t14_64\">the issuances\u2019 currencies. By subsidiaries where </span><span class=\"S110B SA7 S2\" id=\"t15_64\">the yield curves were not available (Ukraine) the daily Overnight </span><span class=\"S110C SA7 S2\" id=\"t16_64\">deposit yield was used as a benchmark, provided by National Bank of Ukraine as currently the only available </span><span class=\"S110D SA7 S2\" id=\"t17_64\">proxy for the hryvnia rate. </span><span class=\"S110E SA7 S2\" id=\"t18_64\">The Bank calculated risk premiums on the basis of information from the country risk premiums that are published </span><span class=\"S110F SA7 S2\" id=\"t19_64\">by Aswath Damodaran </span><span class=\"S1110 S5B9 S2\" id=\"t1a_64\">\u2013 </span><span class=\"S1111 S5B9 S2\" id=\"t1b_64\">New York STERN University, according to the Bank\u2019s assumption the risk</span><span class=\"S1112 SA7 S2\" id=\"t1c_64\">-free interest </span><span class=\"S1113 SA7 S2\" id=\"t1d_64\">rate includes the country-dependent risks in an implicit way. </span><span class=\"S1114 SA7 S2\" id=\"t1e_64\">When the subsidiary owns subordinated debt, the discount rate is calculated as a weighted average of the expected </span><span class=\"S1115 S5B9 S2\" id=\"t1f_64\">return on equity presented previously and the subordinated debt\u2019s interest rate. At the end of the calculation, the </span><span class=\"S1116 SA7 S2\" id=\"t1g_64\">value of subordinated debt is being subtracted from t </span><span class=\"S1117 S5B9 S2\" id=\"t1h_64\">he valuations\u2019 result. </span><span class=\"S1118 SA7 S2\" id=\"t1i_64\">The growth rate in the explicit period is the growth rate of the profit after tax adjusted by the interest rate of the </span><span class=\"S1119 SA7 S2\" id=\"t1j_64\">cash and subordinated loans. The supposed growth rates for the periods of residual values reflect the long-term </span><span class=\"S111A SA7 S2\" id=\"t1k_64\">economic expectations in case of every country. </span><span class=\"S111B SA7 S2\" id=\"t1l_64\">The values of the subsidiaries in the FCF method were then calculated as the sum of the discounted cash-flows of </span><span class=\"S111C SA7 S2\" id=\"t1m_64\">the explicit period, the present value of the terminal values and the initial free capital assuming an effective capital </span><span class=\"S111D SA7 S2\" id=\"t1n_64\">structure. </span><span class=\"S111E SB S2\" id=\"t1o_64\">Summary of the impairment test for the year ended 31 December 2022 and 2021 </span><span class=\"S111F SA7 S2\" id=\"t1p_64\">Based on the valuations of the subsidiaries for the year ended 31 December 2022 67,715 million HUF goodwill </span><span class=\"S1120 SA7 S2\" id=\"t1q_64\">impairment was needed to be recorde</span><span class=\"S1121 S5B9 S2\" id=\"t1r_64\">d by the Group for JSC \u201cOTP Bank\u201d (Russia) while for the year ended 31 </span><span class=\"S1122 SA7 S2\" id=\"t1s_64\">December 2021 no goodwill impairment was needed to be recorded by the Group. </span><span class=\"S1123 SB S2\" id=\"t3_65\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_65\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1125 SB S2\" id=\"t5_65\">For the year ended 31 December 2022 </span><span class=\"S1126 SB S2\" id=\"t6_65\">Cost </span><span class=\"S1127 SB S2\" id=\"t7_65\">Intangible </span><span class=\"S1128 SB S2\" id=\"t8_65\">assets </span><span class=\"S1129 SB S2\" id=\"t9_65\">Goodwill </span><span class=\"S112A SB S2\" id=\"ta_65\">Property </span><span class=\"S112B SB S2\" id=\"tb_65\">Machinery and </span><span class=\"S112C SB S2\" id=\"tc_65\">office equipment </span><span class=\"S112D SB S2\" id=\"td_65\">Vehicle </span><span class=\"S112E SB S2\" id=\"te_65\">Construction in </span><span class=\"S112F SB S2\" id=\"tf_65\">progress </span><span class=\"S1130 SB S2\" id=\"tg_65\">Tangible assets subject </span><span class=\"S1131 SB S2\" id=\"th_65\">to operating lease </span><span class=\"S1132 SB S2\" id=\"ti_65\">Total </span><span class=\"S1133 SB S2\" id=\"tj_65\">Balance as at 1 January </span><span class=\"S1134 SB S2\" id=\"tk_65\">408,003 </span><span class=\"S1135 SB S2\" id=\"tl_65\">105,640 </span><span class=\"S1136 SB S2\" id=\"tm_65\">304,922 </span><span class=\"S1137 SB S2\" id=\"tn_65\">243,731 </span><span class=\"S1138 SB S2\" id=\"to_65\">41,252 </span><span class=\"S1139 SB S2\" id=\"tp_65\">67,657 </span><span class=\"S113A SB S2\" id=\"tq_65\">30,833 </span><span class=\"S113B SB S2\" id=\"tr_65\">1,202,038 </span><span class=\"S113C SA7 S2\" id=\"ts_65\">Increase due to acquisition </span><span class=\"S113D SA7 S2\" id=\"tt_65\">706 </span><span class=\"S113E SA7 S2\" id=\"tu_65\">478 </span><span class=\"S113F SA7 S2\" id=\"tv_65\">933 </span><span class=\"S1140 SA7 S2\" id=\"tw_65\">522 </span><span class=\"S1141 SA7 S2\" id=\"tx_65\">- </span><span class=\"S1142 SA7 S2\" id=\"ty_65\">- </span><span class=\"S1143 SA7 S2\" id=\"tz_65\">- </span><span class=\"S1144 SA7 S2\" id=\"t10_65\">2,639 </span><span class=\"S1145 SA7 S2\" id=\"t11_65\">Additions </span><span class=\"S1146 SA7 S2\" id=\"t12_65\">111,397 </span><span class=\"S1147 SA7 S2\" id=\"t13_65\">- </span><span class=\"S1148 SA7 S2\" id=\"t14_65\">66,034 </span><span class=\"S1149 SA7 S2\" id=\"t15_65\">29,709 </span><span class=\"S114A SA7 S2\" id=\"t16_65\">2,728 </span><span class=\"S114B SA7 S2\" id=\"t17_65\">79,638 </span><span class=\"S114C SA7 S2\" id=\"t18_65\">12,892 </span><span class=\"S114D SA7 S2\" id=\"t19_65\">302,398 </span><span class=\"S114E SA7 S2\" id=\"t1a_65\">Foreign currency </span><span class=\"S114F SA7 S2\" id=\"t1b_65\">translation differences </span><span class=\"S1150 SA7 S2\" id=\"t1c_65\">16,350 </span><span class=\"S1151 SA7 S2\" id=\"t1d_65\">3,067 </span><span class=\"S1152 SA7 S2\" id=\"t1e_65\">15,936 </span><span class=\"S1153 SA7 S2\" id=\"t1f_65\">10,951 </span><span class=\"S1154 SA7 S2\" id=\"t1g_65\">408 </span><span class=\"S1155 SA7 S2\" id=\"t1h_65\">316 </span><span class=\"S1156 SA7 S2\" id=\"t1i_65\">1,952 </span><span class=\"S1157 SA7 S2\" id=\"t1j_65\">48,980 </span><span class=\"S1158 SA7 S2\" id=\"t1k_65\">Disposals </span><span class=\"S1159 SA7 S2\" id=\"t1l_65\">(65,036) </span><span class=\"S115A SA7 S2\" id=\"t1m_65\">(12,060) </span><span class=\"S115B SA7 S2\" id=\"t1n_65\">(13,034) </span><span class=\"S115C SA7 S2\" id=\"t1o_65\">(1,100) </span><span class=\"S115D SA7 S2\" id=\"t1p_65\">(94,067) </span><span class=\"S115E SA7 S2\" id=\"t1q_65\">(14,471) </span><span class=\"S115F SA7 S2\" id=\"t1r_65\">(199,768) </span><span class=\"SAF7 SB S2\" id=\"t1s_65\">Closing balance </span><span class=\"S1160 SB S2\" id=\"t1t_65\">471,420 </span><span class=\"S1161 SB S2\" id=\"t1u_65\">109,185 </span><span class=\"S1162 SB S2\" id=\"t1v_65\">375,765 </span><span class=\"S1163 SB S2\" id=\"t1w_65\">271,879 </span><span class=\"S1164 SB S2\" id=\"t1x_65\">43,288 </span><span class=\"S1165 SB S2\" id=\"t1y_65\">53,544 </span><span class=\"S1166 SB S2\" id=\"t1z_65\">31,206 </span><span class=\"S1167 SB S2\" id=\"t20_65\">1,356,287 </span><span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1123 SB S2\" id=\"t3_66\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_66\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1196 SB S2\" id=\"t5_66\">For the year ended 31 December 2022 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_66\">Impairment </span><span class=\"S1198 SB S2\" id=\"t7_66\">Intangible </span><span class=\"S1199 SB S2\" id=\"t8_66\">assets </span><span class=\"S119A SB S2\" id=\"t9_66\">Goodwill </span><span class=\"S119B SB S2\" id=\"ta_66\">Property </span><span class=\"S119C SB S2\" id=\"tb_66\">Machinery and </span><span class=\"S119D SB S2\" id=\"tc_66\">office equipment </span><span class=\"S119E SB S2\" id=\"td_66\">Tangible assets subject </span><span class=\"S119F SB S2\" id=\"te_66\">to operating lease </span><span class=\"S11A0 SB S2\" id=\"tf_66\">Total </span><span class=\"S11A1 SB S2\" id=\"tg_66\">Balance as at 1 January </span><span class=\"S11A2 SB S2\" id=\"th_66\">2,705 </span><span class=\"S11A3 SB S2\" id=\"ti_66\">- </span><span class=\"S11A4 SB S2\" id=\"tj_66\">3,553 </span><span class=\"S11A5 SB S2\" id=\"tk_66\">43 </span><span class=\"S11A6 SB S2\" id=\"tl_66\">137 </span><span class=\"S11A7 SB S2\" id=\"tm_66\">6,438 </span><span class=\"S11A8 SA7 S2\" id=\"tn_66\">Impairment for the period </span><span class=\"S11A9 SA7 S2\" id=\"to_66\">37 </span><span class=\"S11AA SA7 S2\" id=\"tp_66\">67,715 </span><span class=\"S11AB SA7 S2\" id=\"tq_66\">590 </span><span class=\"S11AC SA7 S2\" id=\"tr_66\">- </span><span class=\"S11AD SA7 S2\" id=\"ts_66\">- </span><span class=\"S11AE SA7 S2\" id=\"tt_66\">68,342 </span><span class=\"S6CB SA7 S2\" id=\"tu_66\">Release of impairment for the period </span><span class=\"S11AF SA7 S2\" id=\"tv_66\">- </span><span class=\"S11B0 SA7 S2\" id=\"tw_66\">- </span><span class=\"S11B1 SA7 S2\" id=\"tx_66\">- </span><span class=\"S11B2 SA7 S2\" id=\"ty_66\">(122) </span><span class=\"S11B3 SA7 S2\" id=\"tz_66\">(122) </span><span class=\"S11B4 SA7 S2\" id=\"t10_66\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"t11_66\">translation differences </span><span class=\"S11B6 SA7 S2\" id=\"t12_66\">54 </span><span class=\"S11B7 SA7 S2\" id=\"t13_66\">(26,849) </span><span class=\"S11B8 SA7 S2\" id=\"t14_66\">258 </span><span class=\"S11B9 SA7 S2\" id=\"t15_66\">3 </span><span class=\"S11BA SA7 S2\" id=\"t16_66\">7 </span><span class=\"S11BB SA7 S2\" id=\"t17_66\">(26,527) </span><span class=\"S11BC SA7 S2\" id=\"t18_66\">Use of impairment </span><span class=\"S11BD SA7 S2\" id=\"t19_66\">- </span><span class=\"S11BE SA7 S2\" id=\"t1a_66\">(150) </span><span class=\"S11BF SA7 S2\" id=\"t1b_66\">- </span><span class=\"S11C0 SA7 S2\" id=\"t1c_66\">(3) </span><span class=\"S11C1 SA7 S2\" id=\"t1d_66\">(153) </span><span class=\"S11C2 SB S2\" id=\"t1e_66\">Closing balance </span><span class=\"S11C3 SB S2\" id=\"t1f_66\">2,796 </span><span class=\"S11C4 SB S2\" id=\"t1g_66\">40,866 </span><span class=\"S11C5 SB S2\" id=\"t1h_66\">4,251 </span><span class=\"S11C6 SB S2\" id=\"t1i_66\">46 </span><span class=\"S11C7 SB S2\" id=\"t1j_66\">19 </span><span class=\"S11C8 SB S2\" id=\"t1k_66\">47,978 </span><span class=\"S11C9 SB S2\" id=\"t1l_66\">Intangible </span><span class=\"S11CA SB S2\" id=\"t1m_66\">assets </span><span class=\"S11CB SB S2\" id=\"t1n_66\">Goodwill </span><span class=\"S11CC SB S2\" id=\"t1o_66\">Property </span><span class=\"S11CD SB S2\" id=\"t1p_66\">Machinery and </span><span class=\"S11CE SB S2\" id=\"t1q_66\">office equipment </span><span class=\"S11CF SB S2\" id=\"t1r_66\">Vehicle </span><span class=\"S11D0 SB S2\" id=\"t1s_66\">Construction </span><span class=\"S11D1 SB S2\" id=\"t1t_66\">in progress </span><span class=\"S11D2 SB S2\" id=\"t1u_66\">Tangible assets subject </span><span class=\"S11D3 SB S2\" id=\"t1v_66\">to operating lease </span><span class=\"S11D4 SB S2\" id=\"t1w_66\">Total </span><span class=\"S11D5 SB S2\" id=\"t1x_66\">Carrying value </span><span class=\"S11D6 SB S2\" id=\"t1y_66\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t1z_66\">142,991 </span><span class=\"S11D8 SB S2\" id=\"t20_66\">105,640 </span><span class=\"S11D9 SB S2\" id=\"t21_66\">217,662 </span><span class=\"S11DA SB S2\" id=\"t22_66\">70,550 </span><span class=\"S11DB SB S2\" id=\"t23_66\">34,064 </span><span class=\"S11DC SB S2\" id=\"t24_66\">67,657 </span><span class=\"S11DD SB S2\" id=\"t25_66\">21,203 </span><span class=\"S11DE SB S2\" id=\"t26_66\">659,767 </span><span class=\"S11DF SB S2\" id=\"t27_66\">Closing balance </span><span class=\"S11E0 SB S2\" id=\"t28_66\">168,712 </span><span class=\"S11E1 SB S2\" id=\"t29_66\">68,319 </span><span class=\"S11E2 SB S2\" id=\"t2a_66\">278,226 </span><span class=\"S11E3 SB S2\" id=\"t2b_66\">76,219 </span><span class=\"S11E4 SB S2\" id=\"t2c_66\">34,148 </span><span class=\"S11E5 SB S2\" id=\"t2d_66\">53,544 </span><span class=\"S11E6 SB S2\" id=\"t2e_66\">22,332 </span><span class=\"S11E7 SB S2\" id=\"t2f_66\">701,500 </span><span class=\"S11E8 SB S2\" id=\"t2g_66\">Fair values </span><span class=\"S11E9 SB S2\" id=\"t2h_66\">- </span><span class=\"S11EA SB S2\" id=\"t2i_66\">- </span><span class=\"S11EB SB S2\" id=\"t2j_66\">308,375 </span><span class=\"S11EC SB S2\" id=\"t2k_66\">76,230 </span><span class=\"S11ED SB S2\" id=\"t2l_66\">34,122 </span><span class=\"S11EE SB S2\" id=\"t2m_66\">- </span><span class=\"S11EF SB S2\" id=\"t2n_66\">22,351 </span><span class=\"S11F0 SB S2\" id=\"t2o_66\">441,078 </span><span class=\"S11F1 SB S2\" id=\"t2p_66\">Gross amount of the fully </span><span class=\"S11F2 SB S2\" id=\"t2q_66\">depreciated assets that </span><span class=\"S11F3 SB S2\" id=\"t2r_66\">are still in use </span><span class=\"S11F4 SB S2\" id=\"t2s_66\">152,718 </span><span class=\"S11F5 SB S2\" id=\"t2t_66\">- </span><span class=\"S11F6 SB S2\" id=\"t2u_66\">26,007 </span><span class=\"S11F7 SB S2\" id=\"t2v_66\">144,310 </span><span class=\"S11F8 SB S2\" id=\"t2w_66\">1,504 </span><span class=\"S11F9 SB S2\" id=\"t2x_66\">- </span><span class=\"S11FA SB S2\" id=\"t2y_66\">- </span><span class=\"S11FB SB S2\" id=\"t2z_66\">324,539 </span><span class=\"S11FC SA7 S2\" id=\"t30_66\">An analysis of the intangible assets for the year ended 31 December 2022 is as follows: </span><span class=\"S11FD SB S2\" id=\"t31_66\">Intangible assets </span><span class=\"S11FE SB S2\" id=\"t32_66\">Self-developed </span><span class=\"S11FF SB S2\" id=\"t33_66\">Purchased </span><span class=\"S1200 SB S2\" id=\"t34_66\">Total </span><span class=\"S1201 SA7 S2\" id=\"t35_66\">Gross values </span><span class=\"S1202 SA7 S2\" id=\"t36_66\">14,704 </span><span class=\"S1203 SA7 S2\" id=\"t37_66\">456,716 </span><span class=\"S1204 SA7 S2\" id=\"t38_66\">471,420 </span><span class=\"S1205 SA7 S2\" id=\"t39_66\">Accumulated amortization </span><span class=\"S1206 SA7 S2\" id=\"t3a_66\">(5,508) </span><span class=\"S1207 SA7 S2\" id=\"t3b_66\">(294,404) </span><span class=\"S1208 SA7 S2\" id=\"t3c_66\">(299,912) </span><span class=\"S1209 SA7 S2\" id=\"t3d_66\">Impairment </span><span class=\"S120A SA7 S2\" id=\"t3e_66\">- </span><span class=\"S120B SA7 S2\" id=\"t3f_66\">(2,796) </span><span class=\"S120C SA7 S2\" id=\"t3g_66\">(2,796) </span><span class=\"S120D SB S2\" id=\"t3h_66\">Carrying value </span><span class=\"S120E SB S2\" id=\"t3i_66\">9,196 </span><span class=\"S120F SB S2\" id=\"t3j_66\">159,516 </span><span class=\"S1210 SB S2\" id=\"t3k_66\">168,712 </span><span class=\"S1123 SB S2\" id=\"t3_67\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_67\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1211 SB S2\" id=\"t5_67\">For the year ended 31 December 2022 [continued] </span><span class=\"S1212 SA7 S2\" id=\"t6_67\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1213 S27D S2\" id=\"t7_67\">Subsidiaries </span><span class=\"S1214 S27D S2\" id=\"t8_67\">Carrying </span><span class=\"S1215 S27D S2\" id=\"t9_67\">amounts of the </span><span class=\"S1216 S27D S2\" id=\"ta_67\">subsidiary in </span><span class=\"S1217 S27D S2\" id=\"tb_67\">HUF million </span><span class=\"S1218 S27D S2\" id=\"tc_67\">Goodwill </span><span class=\"S1219 S27D S2\" id=\"td_67\">values in </span><span class=\"S121A S27D S2\" id=\"te_67\">HUF million </span><span class=\"S121B S27D S2\" id=\"tf_67\">Goodwill values in </span><span class=\"S121C S27D S2\" id=\"tg_67\">million functional </span><span class=\"S121D S27D S2\" id=\"th_67\">currency </span><span class=\"S121E S27D S2\" id=\"ti_67\">Type of </span><span class=\"S121F S27D S2\" id=\"tj_67\">functional </span><span class=\"S1220 S27D S2\" id=\"tk_67\">currency </span><span class=\"S1221 S27D S2\" id=\"tl_67\">Consolidated </span><span class=\"S1222 S27D S2\" id=\"tm_67\">ownership </span><span class=\"S1223 S27D S2\" id=\"tn_67\">interest </span><span class=\"S1224 S27D S2\" id=\"to_67\">With ownership </span><span class=\"S1225 S27D S2\" id=\"tp_67\">adjusted company </span><span class=\"S1226 S27D S2\" id=\"tq_67\">value in HUF million </span><span class=\"S1227 S27D S2\" id=\"tr_67\">Applied long </span><span class=\"S1228 S27D S2\" id=\"ts_67\">term grow rate </span><span class=\"S1229 S27D S2\" id=\"tt_67\">Applied </span><span class=\"S122A S27D S2\" id=\"tu_67\">long term </span><span class=\"S122B S27D S2\" id=\"tv_67\">discount </span><span class=\"S122C S27D S2\" id=\"tw_67\">rate </span><span class=\"S122D S27E S2\" id=\"tx_67\">DSK Bank EAD </span><span class=\"S122E S27E S2\" id=\"ty_67\">280,722 </span><span class=\"S122F S27E S2\" id=\"tz_67\">44,375 </span><span class=\"S1230 S27E S2\" id=\"t10_67\">28,541 </span><span class=\"S1231 S27E S2\" id=\"t11_67\">HUF </span><span class=\"S1232 S27E S2\" id=\"t12_67\">99.92% </span><span class=\"S1233 S27E S2\" id=\"t13_67\">840,031 </span><span class=\"S1234 S27E S2\" id=\"t14_67\">3.00% </span><span class=\"S1235 S27E S2\" id=\"t15_67\">12.54% </span><span class=\"S1236 S27E S2\" id=\"t16_67\">(Bulgaria) </span><span class=\"S1237 S27E S2\" id=\"t17_67\">77 </span><span class=\"S1238 S27E S2\" id=\"t18_67\">BGN </span><span class=\"S1239 S27E S2\" id=\"t19_67\">OTP banka d.d. </span><span class=\"S123A S27E S2\" id=\"t1a_67\">(Croatia) </span><span class=\"S123B S27E S2\" id=\"t1b_67\">205,349 </span><span class=\"S123C S27E S2\" id=\"t1c_67\">23,235 </span><span class=\"S123D S27E S2\" id=\"t1d_67\">58 </span><span class=\"S123E S27E S2\" id=\"t1e_67\">EUR </span><span class=\"S123F S27E S2\" id=\"t1f_67\">100.00% </span><span class=\"S1240 S27E S2\" id=\"t1g_67\">410,711 </span><span class=\"S1241 S27E S2\" id=\"t1h_67\">2.69% </span><span class=\"S1242 S27E S2\" id=\"t1i_67\">10.69% </span><span class=\"S1243 S27E S2\" id=\"t1j_67\">POK-DSK Rodina a.d. </span><span class=\"S1244 S27E S2\" id=\"t1k_67\">(Bulgaria) </span><span class=\"S1245 S27E S2\" id=\"t1l_67\">1,680 </span><span class=\"S1246 S27E S2\" id=\"t1m_67\">11 </span><span class=\"S1247 S27E S2\" id=\"t1n_67\">11 </span><span class=\"S1248 S27E S2\" id=\"t1o_67\">HUF </span><span class=\"S1249 S27E S2\" id=\"t1p_67\">99.85% </span><span class=\"S124A S27E S2\" id=\"t1q_67\">16,564 </span><span class=\"S124B S27E S2\" id=\"t1r_67\">3.00% </span><span class=\"S124C S27E S2\" id=\"t1s_67\">12.54% </span><span class=\"S124D S27E S2\" id=\"t1t_67\">George Consult </span><span class=\"S124E S27E S2\" id=\"t1u_67\">(Croatia) </span><span class=\"S124F S27E S2\" id=\"t1v_67\">225 </span><span class=\"S1250 S27E S2\" id=\"t1w_67\">220 </span><span class=\"S1251 S27E S2\" id=\"t1x_67\">4 </span><span class=\"S1252 S27E S2\" id=\"t1y_67\">HRK </span><span class=\"S1253 S27E S2\" id=\"t1z_67\">76.00% </span><span class=\"S1254 S27E S2\" id=\"t20_67\">171 </span><span class=\"S1255 S27E S2\" id=\"t21_67\">2.69% </span><span class=\"S1256 S27E S2\" id=\"t22_67\">10.69% </span><span class=\"S1257 S27E S2\" id=\"t23_67\">OTP Home Solutions Llc. </span><span class=\"S1258 S27E S2\" id=\"t24_67\">(Hungary) </span><span class=\"S1259 S27E S2\" id=\"t25_67\">2,570 </span><span class=\"S125A S27E S2\" id=\"t26_67\">478 </span><span class=\"S125B S27E S2\" id=\"t27_67\">478 </span><span class=\"S125C S27E S2\" id=\"t28_67\">HUF </span><span class=\"S125D S27E S2\" id=\"t29_67\">100.00% </span><span class=\"S125E S27E S2\" id=\"t2a_67\">2,570 </span><span class=\"S125F S27E S2\" id=\"t2b_67\">3.00% </span><span class=\"S1260 S27E S2\" id=\"t2c_67\">16.26% </span><span class=\"S1261 S27D S2\" id=\"t2d_67\">490,546 </span><span class=\"S1262 S27D S2\" id=\"t2e_67\">68,319 </span><span class=\"S1123 SB S2\" id=\"t3_68\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_68\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1263 SB S2\" id=\"t5_68\">For the year ended 31 December 2021 </span><span class=\"S1264 SB S2\" id=\"t6_68\">Cost </span><span class=\"S1265 SB S2\" id=\"t7_68\">Intangible </span><span class=\"S1266 SB S2\" id=\"t8_68\">assets </span><span class=\"S1267 SB S2\" id=\"t9_68\">Goodwill </span><span class=\"S1268 SB S2\" id=\"ta_68\">Property </span><span class=\"S1269 SB S2\" id=\"tb_68\">Machinery and </span><span class=\"S126A SB S2\" id=\"tc_68\">office equipment </span><span class=\"S126B SB S2\" id=\"td_68\">Vehicle </span><span class=\"S126C SB S2\" id=\"te_68\">Construction </span><span class=\"S126D SB S2\" id=\"tf_68\">in progress </span><span class=\"S126E SB S2\" id=\"tg_68\">Tangible assets subject </span><span class=\"S126F SB S2\" id=\"th_68\">to operating lease </span><span class=\"S1270 SB S2\" id=\"ti_68\">Total </span><span class=\"S11A1 SB S2\" id=\"tj_68\">Balance as at 1 January </span><span class=\"S1271 SB S2\" id=\"tk_68\">364,495 </span><span class=\"S1272 SB S2\" id=\"tl_68\">101,393 </span><span class=\"S1273 SB S2\" id=\"tm_68\">285,506 </span><span class=\"S1274 SB S2\" id=\"tn_68\">212,105 </span><span class=\"S1275 SB S2\" id=\"to_68\">23,893 </span><span class=\"S1276 SB S2\" id=\"tp_68\">23,403 </span><span class=\"S1277 SB S2\" id=\"tq_68\">28,926 </span><span class=\"S1278 SB S2\" id=\"tr_68\">1,039,721 </span><span class=\"S1279 SA7 S2\" id=\"ts_68\">Increase due to acquisition </span><span class=\"S127A SA7 S2\" id=\"tt_68\">- </span><span class=\"S127B SA7 S2\" id=\"tu_68\">Additions </span><span class=\"S127C SA7 S2\" id=\"tv_68\">90,887 </span><span class=\"S127D SA7 S2\" id=\"tw_68\">- </span><span class=\"S127E SA7 S2\" id=\"tx_68\">28,684 </span><span class=\"S127F SA7 S2\" id=\"ty_68\">37,266 </span><span class=\"S1280 SA7 S2\" id=\"tz_68\">19,135 </span><span class=\"S1281 SA7 S2\" id=\"t10_68\">111,316 </span><span class=\"S1282 SA7 S2\" id=\"t11_68\">13,427 </span><span class=\"S1283 SA7 S2\" id=\"t12_68\">300,715 </span><span class=\"S11B4 SA7 S2\" id=\"t13_68\">Foreign currency </span><span class=\"S1284 SA7 S2\" id=\"t14_68\">translation differences </span><span class=\"S1285 SA7 S2\" id=\"t15_68\">4,656 </span><span class=\"S1286 SA7 S2\" id=\"t16_68\">4,247 </span><span class=\"S1287 SA7 S2\" id=\"t17_68\">3,609 </span><span class=\"S1288 SA7 S2\" id=\"t18_68\">3,237 </span><span class=\"S1289 SA7 S2\" id=\"t19_68\">163 </span><span class=\"S128A SA7 S2\" id=\"t1a_68\">136 </span><span class=\"S128B SA7 S2\" id=\"t1b_68\">422 </span><span class=\"S128C SA7 S2\" id=\"t1c_68\">16,470 </span><span class=\"S128D SA7 S2\" id=\"t1d_68\">Disposals </span><span class=\"S128E SA7 S2\" id=\"t1e_68\">(52,035) </span><span class=\"S128F SA7 S2\" id=\"t1f_68\">- </span><span class=\"S1290 SA7 S2\" id=\"t1g_68\">(12,877) </span><span class=\"S1291 SA7 S2\" id=\"t1h_68\">(8,877) </span><span class=\"S1292 SA7 S2\" id=\"t1i_68\">(1,939) </span><span class=\"S1293 SA7 S2\" id=\"t1j_68\">(67,198) </span><span class=\"S1294 SA7 S2\" id=\"t1k_68\">(11,942) </span><span class=\"S1295 SA7 S2\" id=\"t1l_68\">(154,868) </span><span class=\"S11C2 SB S2\" id=\"t1m_68\">Closing balance </span><span class=\"S1296 SB S2\" id=\"t1n_68\">408,003 </span><span class=\"S1297 SB S2\" id=\"t1o_68\">105,640 </span><span class=\"S1298 SB S2\" id=\"t1p_68\">304,922 </span><span class=\"S1299 SB S2\" id=\"t1q_68\">243,731 </span><span class=\"S129A SB S2\" id=\"t1r_68\">41,252 </span><span class=\"S129B SB S2\" id=\"t1s_68\">67,657 </span><span class=\"S129C SB S2\" id=\"t1t_68\">30,833 </span><span class=\"S129D SB S2\" id=\"t1u_68\">1,202,038 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span><span class=\"S1123 SB S2\" id=\"t3_69\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_69\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_69\">For the year ended 31 December 2021 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_69\">Impairment </span><span class=\"S12CB SB S2\" id=\"t7_69\">Intangible </span><span class=\"S12CC SB S2\" id=\"t8_69\">assets </span><span class=\"S12CD SB S2\" id=\"t9_69\">Property </span><span class=\"S12CE SB S2\" id=\"ta_69\">Machinery and </span><span class=\"S12CF SB S2\" id=\"tb_69\">office equipment </span><span class=\"S12D0 SB S2\" id=\"tc_69\">Tangible assets subject </span><span class=\"S12D1 SB S2\" id=\"td_69\">to operating lease </span><span class=\"S12D2 SB S2\" id=\"te_69\">Total </span><span class=\"S11A1 SB S2\" id=\"tf_69\">Balance as at 1 January </span><span class=\"S12D3 SB S2\" id=\"tg_69\">2,704 </span><span class=\"S12D4 SB S2\" id=\"th_69\">1,122 </span><span class=\"S12D5 SB S2\" id=\"ti_69\">42 </span><span class=\"S12D6 SB S2\" id=\"tj_69\">338 </span><span class=\"S12D7 SB S2\" id=\"tk_69\">4,206 </span><span class=\"S11A8 SA7 S2\" id=\"tl_69\">Impairment for the period </span><span class=\"S12D8 SA7 S2\" id=\"tm_69\">- </span><span class=\"S12D9 SA7 S2\" id=\"tn_69\">2,967 </span><span class=\"S12DA SA7 S2\" id=\"to_69\">- </span><span class=\"S12DB SA7 S2\" id=\"tp_69\">9 </span><span class=\"S12DC SA7 S2\" id=\"tq_69\">2,976 </span><span class=\"S12DD SA7 S2\" id=\"tr_69\">Release of impairment for the period </span><span class=\"S12DE SA7 S2\" id=\"ts_69\">- </span><span class=\"S12DF SA7 S2\" id=\"tt_69\">- </span><span class=\"S12E0 SA7 S2\" id=\"tu_69\">- </span><span class=\"S12E1 SA7 S2\" id=\"tv_69\">(204) </span><span class=\"S12E2 SA7 S2\" id=\"tw_69\">(204) </span><span class=\"S11B4 SA7 S2\" id=\"tx_69\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"ty_69\">translation differences </span><span class=\"S12E3 SA7 S2\" id=\"tz_69\">5 </span><span class=\"S12E4 SA7 S2\" id=\"t10_69\">55 </span><span class=\"S12E5 SA7 S2\" id=\"t11_69\">6 </span><span class=\"S12E6 SA7 S2\" id=\"t12_69\">(1) </span><span class=\"S12E7 SA7 S2\" id=\"t13_69\">65 </span><span class=\"S11BC SA7 S2\" id=\"t14_69\">Use of impairment </span><span class=\"S12E8 SA7 S2\" id=\"t15_69\">(4) </span><span class=\"S12E9 SA7 S2\" id=\"t16_69\">(591) </span><span class=\"S12EA SA7 S2\" id=\"t17_69\">(5) </span><span class=\"S1293 SA7 S2\" id=\"t18_69\">(5) </span><span class=\"S12EB SA7 S2\" id=\"t19_69\">(605) </span><span class=\"S11C2 SB S2\" id=\"t1a_69\">Closing balance </span><span class=\"S12EC SB S2\" id=\"t1b_69\">2,705 </span><span class=\"S12ED SB S2\" id=\"t1c_69\">3,553 </span><span class=\"S12EE SB S2\" id=\"t1d_69\">43 </span><span class=\"S12EF SB S2\" id=\"t1e_69\">137 </span><span class=\"S12F0 SB S2\" id=\"t1f_69\">6,438 </span><span class=\"S12F1 SB S2\" id=\"t1g_69\">Intangible </span><span class=\"S12F2 SB S2\" id=\"t1h_69\">assets </span><span class=\"S12F3 SB S2\" id=\"t1i_69\">Goodwill </span><span class=\"S12F4 SB S2\" id=\"t1j_69\">Property </span><span class=\"S12F5 SB S2\" id=\"t1k_69\">Machinery and </span><span class=\"S12F6 SB S2\" id=\"t1l_69\">office equipment </span><span class=\"S12F7 SB S2\" id=\"t1m_69\">Vehicle </span><span class=\"S12F8 SB S2\" id=\"t1n_69\">Construction in </span><span class=\"S12F9 SB S2\" id=\"t1o_69\">progress </span><span class=\"S12FA SB S2\" id=\"t1p_69\">Tangible assets subject </span><span class=\"S12FB SB S2\" id=\"t1q_69\">to operating lease </span><span class=\"S12FC SB S2\" id=\"t1r_69\">Total </span><span class=\"S12FD SB S2\" id=\"t1s_69\">Carrying value </span><span class=\"S12FE SB S2\" id=\"t1t_69\">Balance as at 1 January </span><span class=\"S12FF SB S2\" id=\"t1u_69\">137,611 </span><span class=\"S1300 SB S2\" id=\"t1v_69\">101,393 </span><span class=\"S1301 SB S2\" id=\"t1w_69\">206,631 </span><span class=\"S1302 SB S2\" id=\"t1x_69\">56,771 </span><span class=\"S1303 SB S2\" id=\"t1y_69\">17,652 </span><span class=\"S1304 SB S2\" id=\"t1z_69\">23,403 </span><span class=\"S1305 SB S2\" id=\"t20_69\">18,309 </span><span class=\"S1306 SB S2\" id=\"t21_69\">561,770 </span><span class=\"S1307 SB S2\" id=\"t22_69\">Closing balance </span><span class=\"S1308 SB S2\" id=\"t23_69\">142,991 </span><span class=\"S1309 SB S2\" id=\"t24_69\">105,640 </span><span class=\"S130A SB S2\" id=\"t25_69\">217,662 </span><span class=\"S130B SB S2\" id=\"t26_69\">70,550 </span><span class=\"S130C SB S2\" id=\"t27_69\">34,064 </span><span class=\"S130D SB S2\" id=\"t28_69\">67,657 </span><span class=\"S130E SB S2\" id=\"t29_69\">21,203 </span><span class=\"S130F SB S2\" id=\"t2a_69\">659,767 </span><span class=\"S1310 SB S2\" id=\"t2b_69\">Fair values </span><span class=\"S1311 SB S2\" id=\"t2c_69\">- </span><span class=\"S1312 SB S2\" id=\"t2d_69\">- </span><span class=\"S1313 SB S2\" id=\"t2e_69\">247,754 </span><span class=\"S1314 SB S2\" id=\"t2f_69\">70,258 </span><span class=\"S1315 SB S2\" id=\"t2g_69\">34,063 </span><span class=\"S1316 SB S2\" id=\"t2h_69\">- </span><span class=\"S1317 SB S2\" id=\"t2i_69\">21,339 </span><span class=\"S1318 SB S2\" id=\"t2j_69\">373,414 </span><span class=\"S1319 SB S2\" id=\"t2k_69\">Gross amount of the fully </span><span class=\"S131A SB S2\" id=\"t2l_69\">depreciated assets that </span><span class=\"S131B SB S2\" id=\"t2m_69\">are still in use </span><span class=\"S131C SB S2\" id=\"t2n_69\">129,805 </span><span class=\"S131D SB S2\" id=\"t2o_69\">- </span><span class=\"S131E SB S2\" id=\"t2p_69\">25,396 </span><span class=\"S131F SB S2\" id=\"t2q_69\">132,611 </span><span class=\"S1320 SB S2\" id=\"t2r_69\">924 </span><span class=\"S1321 SB S2\" id=\"t2s_69\">- </span><span class=\"S1322 SB S2\" id=\"t2t_69\">- </span><span class=\"S1323 SB S2\" id=\"t2u_69\">288,736 </span><span class=\"SA1A SA7 S2\" id=\"t2v_69\">An analysis of the intangible assets for the year ended 31 December 2021 is as follows: </span><span class=\"S1324 SB S2\" id=\"t2w_69\">Intangible assets </span><span class=\"S1325 SB S2\" id=\"t2x_69\">Self-developed </span><span class=\"S1326 SB S2\" id=\"t2y_69\">Purchased </span><span class=\"S1327 SB S2\" id=\"t2z_69\">Total </span><span class=\"S1328 SA7 S2\" id=\"t30_69\">Gross values </span><span class=\"S1329 SA7 S2\" id=\"t31_69\">12,700 </span><span class=\"S132A SA7 S2\" id=\"t32_69\">395,303 </span><span class=\"S132B SA7 S2\" id=\"t33_69\">408,003 </span><span class=\"S132C SA7 S2\" id=\"t34_69\">Accumulated amortization </span><span class=\"S132D SA7 S2\" id=\"t35_69\">(5,017) </span><span class=\"S132E SA7 S2\" id=\"t36_69\">(257,290) </span><span class=\"S132F SA7 S2\" id=\"t37_69\">(262,307) </span><span class=\"S1330 SA7 S2\" id=\"t38_69\">Impairment </span><span class=\"S1331 SA7 S2\" id=\"t39_69\">- </span><span class=\"S1332 SA7 S2\" id=\"t3a_69\">(2,705) </span><span class=\"S1333 SA7 S2\" id=\"t3b_69\">(2,705) </span><span class=\"S1334 SB S2\" id=\"t3c_69\">Carrying value </span><span class=\"S1335 SB S2\" id=\"t3d_69\">7,683 </span><span class=\"S1336 SB S2\" id=\"t3e_69\">135,308 </span><span class=\"S1337 SB S2\" id=\"t3f_69\">142,991 </span><span class=\"S1123 SB S2\" id=\"t3_70\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_70\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_70\">For the year ended 31 December 2021 [continued] </span><span class=\"S1338 SA7 S2\" id=\"t6_70\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1339 S27D S2\" id=\"t7_70\">Subsidiaries </span><span class=\"S133A S27D S2\" id=\"t8_70\">Carrying </span><span class=\"S133B S27D S2\" id=\"t9_70\">amounts of the </span><span class=\"S133C S27D S2\" id=\"ta_70\">subsidiary in </span><span class=\"S133D S27D S2\" id=\"tb_70\">HUF million </span><span class=\"S133E S27D S2\" id=\"tc_70\">Goodwill </span><span class=\"S133F S27D S2\" id=\"td_70\">values in </span><span class=\"S1340 S27D S2\" id=\"te_70\">HUF million </span><span class=\"S1341 S27D S2\" id=\"tf_70\">Goodwill values in </span><span class=\"S1342 S27D S2\" id=\"tg_70\">million functional </span><span class=\"S1343 S27D S2\" id=\"th_70\">currency </span><span class=\"S1344 S27D S2\" id=\"ti_70\">Type of </span><span class=\"S1345 S27D S2\" id=\"tj_70\">functional </span><span class=\"S1346 S27D S2\" id=\"tk_70\">currency </span><span class=\"S1347 S27D S2\" id=\"tl_70\">Consolidated </span><span class=\"S1348 S27D S2\" id=\"tm_70\">ownership </span><span class=\"S1349 S27D S2\" id=\"tn_70\">interest </span><span class=\"S134A S27D S2\" id=\"to_70\">With ownership </span><span class=\"S134B S27D S2\" id=\"tp_70\">adjusted company </span><span class=\"S134C S27D S2\" id=\"tq_70\">value in HUF million </span><span class=\"S134D S27D S2\" id=\"tr_70\">Applied long </span><span class=\"S134E S27D S2\" id=\"ts_70\">term grow rate </span><span class=\"S134F S27D S2\" id=\"tt_70\">Applied </span><span class=\"S1350 S27D S2\" id=\"tu_70\">long term </span><span class=\"S1351 S27D S2\" id=\"tv_70\">discount </span><span class=\"S1352 S27D S2\" id=\"tw_70\">rate </span><span class=\"S1353 S27E S2\" id=\"tx_70\">DSK Bank EAD </span><span class=\"S1354 S27E S2\" id=\"ty_70\">280,692 </span><span class=\"S1355 S27E S2\" id=\"tz_70\">43,138 </span><span class=\"S1356 S27E S2\" id=\"t10_70\">28,541 </span><span class=\"S1357 S27E S2\" id=\"t11_70\">HUF </span><span class=\"S1358 S27E S2\" id=\"t12_70\">99.91% </span><span class=\"S1359 S27E S2\" id=\"t13_70\">832,445 </span><span class=\"S135A S27E S2\" id=\"t14_70\">3.00% </span><span class=\"S135B S27E S2\" id=\"t15_70\">7.90% </span><span class=\"S135C S27E S2\" id=\"t16_70\">(Bulgaria) </span><span class=\"S135D S27E S2\" id=\"t17_70\">77 </span><span class=\"S135E S27E S2\" id=\"t18_70\">BGN </span><span class=\"S135F S27E S2\" id=\"t19_70\">OTP banka d.d. </span><span class=\"S1360 S27E S2\" id=\"t1a_70\">(Croatia) </span><span class=\"S1361 S27E S2\" id=\"t1b_70\">205,349 </span><span class=\"S1362 S27E S2\" id=\"t1c_70\">21,421 </span><span class=\"S1363 S27E S2\" id=\"t1d_70\">58 </span><span class=\"S1364 S27E S2\" id=\"t1e_70\">EUR </span><span class=\"S1365 S27E S2\" id=\"t1f_70\">100.00% </span><span class=\"S1366 S27E S2\" id=\"t1g_70\">361,995 </span><span class=\"S1367 S27E S2\" id=\"t1h_70\">2.69% </span><span class=\"S1368 S27E S2\" id=\"t1i_70\">8.83% </span><span class=\"S1369 S27F S2\" id=\"t1j_70\">JSC \u201cOTP Bank\u201d </span><span class=\"S136A S27E S2\" id=\"t1k_70\">(Russia) </span><span class=\"S136B S27E S2\" id=\"t1l_70\">124,411 </span><span class=\"S136C S27E S2\" id=\"t1m_70\">40,866 </span><span class=\"S136D S27E S2\" id=\"t1n_70\">9,395 </span><span class=\"S136E S27E S2\" id=\"t1o_70\">RUB </span><span class=\"S136F S27E S2\" id=\"t1p_70\">97.92% </span><span class=\"S1370 S27E S2\" id=\"t1q_70\">187,552 </span><span class=\"S1371 S27E S2\" id=\"t1r_70\">1.89% </span><span class=\"S1372 S27E S2\" id=\"t1s_70\">15.44% </span><span class=\"S1373 S27E S2\" id=\"t1t_70\">POK-DSK Rodina a.d. </span><span class=\"S1374 S27E S2\" id=\"t1u_70\">(Bulgaria) </span><span class=\"S1375 S27E S2\" id=\"t1v_70\">1,680 </span><span class=\"S1376 S27E S2\" id=\"t1w_70\">11 </span><span class=\"S1377 S27E S2\" id=\"t1x_70\">11 </span><span class=\"S1378 S27E S2\" id=\"t1y_70\">HUF </span><span class=\"S1379 S27E S2\" id=\"t1z_70\">99.85% </span><span class=\"S137A S27E S2\" id=\"t20_70\">15,299 </span><span class=\"S137B S27E S2\" id=\"t21_70\">3.00% </span><span class=\"S137C S27E S2\" id=\"t22_70\">7.90% </span><span class=\"S137D S27E S2\" id=\"t23_70\">George Consult </span><span class=\"S137E S27E S2\" id=\"t24_70\">(Croatia) </span><span class=\"S137F S27E S2\" id=\"t25_70\">225 </span><span class=\"S1380 S27E S2\" id=\"t26_70\">204 </span><span class=\"S1381 S27E S2\" id=\"t27_70\">4 </span><span class=\"S1382 S27E S2\" id=\"t28_70\">HRK </span><span class=\"S1383 S27E S2\" id=\"t29_70\">76.00% </span><span class=\"S1384 S27E S2\" id=\"t2a_70\">171 </span><span class=\"S1385 S27E S2\" id=\"t2b_70\">2.69% </span><span class=\"S1386 S27E S2\" id=\"t2c_70\">8.83% </span><span class=\"S1387 S27D S2\" id=\"t2d_70\">612,357 </span><span class=\"S1388 S27D S2\" id=\"t2e_70\">105,640 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6062": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_64\">NOTE 13: </span><span class=\"S10EA SB S2\" id=\"t4_64\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) </span><span class=\"S10EB SA7 S2\" id=\"t5_64\">There are different kinds of tangible and intangible assets held by the Group. In the followings there are presented </span><span class=\"S10EC SA7 S2\" id=\"t6_64\">reasons of the changes from opening values to closing ones in the gross values, the accumulated depreciation and </span><span class=\"S10ED SA7 S2\" id=\"t7_64\">amortization and in the impairment of the tangible and intangible assets in the Group. Here can be found </span><span class=\"S10EE SA7 S2\" id=\"t8_64\">information about the fair values of the tangible assets and gross amounts of those assets which were fully </span><span class=\"S8F2 SA7 S2\" id=\"t9_64\">depreciated but which are still in use. </span><span class=\"S10EF SA7 S2\" id=\"ta_64\">Carrying amount of the temporarily idle properties was HUF 3,466 million and HUF 3,057 million as at 31 </span><span class=\"S10F0 SA7 S2\" id=\"tb_64\">December 2022 and 31 December 2021, respectively. </span><span class=\"S10F1 SA7 S2\" id=\"tc_64\">There were no restrictions on title and properties, plants or equipment pledged as security for liabilities as at 31 </span><span class=\"S10F2 SA7 S2\" id=\"td_64\">December 2022 and 2021. </span><span class=\"S10F3 SA7 S2\" id=\"te_64\">As at 31 December 2022 and 2021 the amount of contractual commitments for the acquisition of tangible and </span><span class=\"S5C4 SA7 S2\" id=\"tf_64\">intangible assets was HUF 21,116 million and HUF 1,595 million, respectively. </span><span class=\"S10F4 SA7 S2\" id=\"tg_64\">Impairment for the properties in the current period was needed as a result of the valuation performed by using the </span><span class=\"S10F5 SA7 S2\" id=\"th_64\">comparative value method (market analogy method) with direct comparison to the market price of other similar </span><span class=\"S10F6 SA7 S2\" id=\"ti_64\">properties. Actual market transactions were used based on the 6-month period prior to the valuation date where </span><span class=\"S10F7 S5B9 S2\" id=\"tj_64\">the market price of the analogous property is adjusted by an expert coefficient for market adaptation (\u201cECMA\u201d). </span><span class=\"S10F8 SA7 S2\" id=\"tk_64\">Usually this range is from -25% to +25% and reflects the availability of sufficient market information for similar </span><span class=\"S10F9 SA7 S2\" id=\"tl_64\">items but at these properties ECMA exceeded this range where the circumstances were exceptional although by </span><span class=\"S10FA SA7 S2\" id=\"tm_64\">decision of the appraiser it was used only for unique properties with characteristics similar to the appraised ones, </span><span class=\"S6F5 SA7 S2\" id=\"tn_64\">for which no sufficient market analogues are available. The price was adjusted by coefficients reflecting the area, </span><span class=\"S10FB SA7 S2\" id=\"to_64\">location, size and structure of the property, as well as a weighing factor reflecting the weight of the selected market </span><span class=\"S10FC SA7 S2\" id=\"tp_64\">analogies in the determined fair value. </span><span class=\"S10FD SA7 S2\" id=\"tq_64\">The Bank decided that the recoverable amount of goodwill is determined based on fair value less cost of disposal. </span><span class=\"S10FE SA7 S2\" id=\"tr_64\">When the Bank prepares goodwill impairment tests of the subsidiaries, the two methods which are used based on </span><span class=\"S10FF SA7 S2\" id=\"ts_64\">discounted cash-flow calculation that shows the same result; however, they represent different economical logics. </span><span class=\"S1100 SA7 S2\" id=\"tt_64\">Based on the internal regulation of the Bank as at 31 December 2021 impairment test was prepared where a three- </span><span class=\"S1101 SA7 S2\" id=\"tu_64\">year cash-flow model was applied with an explicit period between 2022-2024. The basis for the estimation was </span><span class=\"S1102 SA7 S2\" id=\"tv_64\">the actual data of May 2022 and based on the prepared medium-term (2022-2024) forecasts. When the Bank </span><span class=\"S1103 SA7 S2\" id=\"tw_64\">prepared the calculations for the period 2022-2024, it considered the actual worldwide economic situations, the </span><span class=\"S1104 SA7 S2\" id=\"tx_64\">expected economic growth for the following years, their possible effects on the financial sector, the plans for </span><span class=\"S1105 SA7 S2\" id=\"ty_64\">growing which result from these, and the expected changes of the mentioned factors. </span><span class=\"SB35 SB S2\" id=\"tz_64\">Present value calculation with the Free Cash-Flow method </span><span class=\"S1106 SA7 S2\" id=\"t10_64\">The Bank calculated the expected cash-flow for the given period based on the expected after-tax profit of the </span><span class=\"S1107 SA7 S2\" id=\"t11_64\">companies. The calculation is highly sensitive to the level of discount rate and growth rate used. As discount factor </span><span class=\"S1108 SA7 S2\" id=\"t12_64\">the Bank uses a zero coupon yield curve derived by the Headquarter Asse-Liability Management department. This </span><span class=\"S1109 S5B9 S2\" id=\"t13_64\">zero coupon curve is estimated for each related countries, based on the countries\u2019 issued bonds and segmented by </span><span class=\"S110A S5B9 S2\" id=\"t14_64\">the issuances\u2019 currencies. By subsidiaries where </span><span class=\"S110B SA7 S2\" id=\"t15_64\">the yield curves were not available (Ukraine) the daily Overnight </span><span class=\"S110C SA7 S2\" id=\"t16_64\">deposit yield was used as a benchmark, provided by National Bank of Ukraine as currently the only available </span><span class=\"S110D SA7 S2\" id=\"t17_64\">proxy for the hryvnia rate. </span><span class=\"S110E SA7 S2\" id=\"t18_64\">The Bank calculated risk premiums on the basis of information from the country risk premiums that are published </span><span class=\"S110F SA7 S2\" id=\"t19_64\">by Aswath Damodaran </span><span class=\"S1110 S5B9 S2\" id=\"t1a_64\">\u2013 </span><span class=\"S1111 S5B9 S2\" id=\"t1b_64\">New York STERN University, according to the Bank\u2019s assumption the risk</span><span class=\"S1112 SA7 S2\" id=\"t1c_64\">-free interest </span><span class=\"S1113 SA7 S2\" id=\"t1d_64\">rate includes the country-dependent risks in an implicit way. </span><span class=\"S1114 SA7 S2\" id=\"t1e_64\">When the subsidiary owns subordinated debt, the discount rate is calculated as a weighted average of the expected </span><span class=\"S1115 S5B9 S2\" id=\"t1f_64\">return on equity presented previously and the subordinated debt\u2019s interest rate. At the end of the calculation, the </span><span class=\"S1116 SA7 S2\" id=\"t1g_64\">value of subordinated debt is being subtracted from t </span><span class=\"S1117 S5B9 S2\" id=\"t1h_64\">he valuations\u2019 result. </span><span class=\"S1118 SA7 S2\" id=\"t1i_64\">The growth rate in the explicit period is the growth rate of the profit after tax adjusted by the interest rate of the </span><span class=\"S1119 SA7 S2\" id=\"t1j_64\">cash and subordinated loans. The supposed growth rates for the periods of residual values reflect the long-term </span><span class=\"S111A SA7 S2\" id=\"t1k_64\">economic expectations in case of every country. </span><span class=\"S111B SA7 S2\" id=\"t1l_64\">The values of the subsidiaries in the FCF method were then calculated as the sum of the discounted cash-flows of </span><span class=\"S111C SA7 S2\" id=\"t1m_64\">the explicit period, the present value of the terminal values and the initial free capital assuming an effective capital </span><span class=\"S111D SA7 S2\" id=\"t1n_64\">structure. </span><span class=\"S111E SB S2\" id=\"t1o_64\">Summary of the impairment test for the year ended 31 December 2022 and 2021 </span><span class=\"S111F SA7 S2\" id=\"t1p_64\">Based on the valuations of the subsidiaries for the year ended 31 December 2022 67,715 million HUF goodwill </span><span class=\"S1120 SA7 S2\" id=\"t1q_64\">impairment was needed to be recorde</span><span class=\"S1121 S5B9 S2\" id=\"t1r_64\">d by the Group for JSC \u201cOTP Bank\u201d (Russia) while for the year ended 31 </span><span class=\"S1122 SA7 S2\" id=\"t1s_64\">December 2021 no goodwill impairment was needed to be recorded by the Group. </span><span class=\"S1123 SB S2\" id=\"t3_65\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_65\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1125 SB S2\" id=\"t5_65\">For the year ended 31 December 2022 </span><span class=\"S1126 SB S2\" id=\"t6_65\">Cost </span><span class=\"S1127 SB S2\" id=\"t7_65\">Intangible </span><span class=\"S1128 SB S2\" id=\"t8_65\">assets </span><span class=\"S1129 SB S2\" id=\"t9_65\">Goodwill </span><span class=\"S112A SB S2\" id=\"ta_65\">Property </span><span class=\"S112B SB S2\" id=\"tb_65\">Machinery and </span><span class=\"S112C SB S2\" id=\"tc_65\">office equipment </span><span class=\"S112D SB S2\" id=\"td_65\">Vehicle </span><span class=\"S112E SB S2\" id=\"te_65\">Construction in </span><span class=\"S112F SB S2\" id=\"tf_65\">progress </span><span class=\"S1130 SB S2\" id=\"tg_65\">Tangible assets subject </span><span class=\"S1131 SB S2\" id=\"th_65\">to operating lease </span><span class=\"S1132 SB S2\" id=\"ti_65\">Total </span><span class=\"S1133 SB S2\" id=\"tj_65\">Balance as at 1 January </span><span class=\"S1134 SB S2\" id=\"tk_65\">408,003 </span><span class=\"S1135 SB S2\" id=\"tl_65\">105,640 </span><span class=\"S1136 SB S2\" id=\"tm_65\">304,922 </span><span class=\"S1137 SB S2\" id=\"tn_65\">243,731 </span><span class=\"S1138 SB S2\" id=\"to_65\">41,252 </span><span class=\"S1139 SB S2\" id=\"tp_65\">67,657 </span><span class=\"S113A SB S2\" id=\"tq_65\">30,833 </span><span class=\"S113B SB S2\" id=\"tr_65\">1,202,038 </span><span class=\"S113C SA7 S2\" id=\"ts_65\">Increase due to acquisition </span><span class=\"S113D SA7 S2\" id=\"tt_65\">706 </span><span class=\"S113E SA7 S2\" id=\"tu_65\">478 </span><span class=\"S113F SA7 S2\" id=\"tv_65\">933 </span><span class=\"S1140 SA7 S2\" id=\"tw_65\">522 </span><span class=\"S1141 SA7 S2\" id=\"tx_65\">- </span><span class=\"S1142 SA7 S2\" id=\"ty_65\">- </span><span class=\"S1143 SA7 S2\" id=\"tz_65\">- </span><span class=\"S1144 SA7 S2\" id=\"t10_65\">2,639 </span><span class=\"S1145 SA7 S2\" id=\"t11_65\">Additions </span><span class=\"S1146 SA7 S2\" id=\"t12_65\">111,397 </span><span class=\"S1147 SA7 S2\" id=\"t13_65\">- </span><span class=\"S1148 SA7 S2\" id=\"t14_65\">66,034 </span><span class=\"S1149 SA7 S2\" id=\"t15_65\">29,709 </span><span class=\"S114A SA7 S2\" id=\"t16_65\">2,728 </span><span class=\"S114B SA7 S2\" id=\"t17_65\">79,638 </span><span class=\"S114C SA7 S2\" id=\"t18_65\">12,892 </span><span class=\"S114D SA7 S2\" id=\"t19_65\">302,398 </span><span class=\"S114E SA7 S2\" id=\"t1a_65\">Foreign currency </span><span class=\"S114F SA7 S2\" id=\"t1b_65\">translation differences </span><span class=\"S1150 SA7 S2\" id=\"t1c_65\">16,350 </span><span class=\"S1151 SA7 S2\" id=\"t1d_65\">3,067 </span><span class=\"S1152 SA7 S2\" id=\"t1e_65\">15,936 </span><span class=\"S1153 SA7 S2\" id=\"t1f_65\">10,951 </span><span class=\"S1154 SA7 S2\" id=\"t1g_65\">408 </span><span class=\"S1155 SA7 S2\" id=\"t1h_65\">316 </span><span class=\"S1156 SA7 S2\" id=\"t1i_65\">1,952 </span><span class=\"S1157 SA7 S2\" id=\"t1j_65\">48,980 </span><span class=\"S1158 SA7 S2\" id=\"t1k_65\">Disposals </span><span class=\"S1159 SA7 S2\" id=\"t1l_65\">(65,036) </span><span class=\"S115A SA7 S2\" id=\"t1m_65\">(12,060) </span><span class=\"S115B SA7 S2\" id=\"t1n_65\">(13,034) </span><span class=\"S115C SA7 S2\" id=\"t1o_65\">(1,100) </span><span class=\"S115D SA7 S2\" id=\"t1p_65\">(94,067) </span><span class=\"S115E SA7 S2\" id=\"t1q_65\">(14,471) </span><span class=\"S115F SA7 S2\" id=\"t1r_65\">(199,768) </span><span class=\"SAF7 SB S2\" id=\"t1s_65\">Closing balance </span><span class=\"S1160 SB S2\" id=\"t1t_65\">471,420 </span><span class=\"S1161 SB S2\" id=\"t1u_65\">109,185 </span><span class=\"S1162 SB S2\" id=\"t1v_65\">375,765 </span><span class=\"S1163 SB S2\" id=\"t1w_65\">271,879 </span><span class=\"S1164 SB S2\" id=\"t1x_65\">43,288 </span><span class=\"S1165 SB S2\" id=\"t1y_65\">53,544 </span><span class=\"S1166 SB S2\" id=\"t1z_65\">31,206 </span><span class=\"S1167 SB S2\" id=\"t20_65\">1,356,287 </span><span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1195 SB S2\" id=\"t3a_65\">606,809 </span><span class=\"S1123 SB S2\" id=\"t3_66\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_66\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1196 SB S2\" id=\"t5_66\">For the year ended 31 December 2022 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_66\">Impairment </span><span class=\"S1198 SB S2\" id=\"t7_66\">Intangible </span><span class=\"S1199 SB S2\" id=\"t8_66\">assets </span><span class=\"S119A SB S2\" id=\"t9_66\">Goodwill </span><span class=\"S119B SB S2\" id=\"ta_66\">Property </span><span class=\"S119C SB S2\" id=\"tb_66\">Machinery and </span><span class=\"S119D SB S2\" id=\"tc_66\">office equipment </span><span class=\"S119E SB S2\" id=\"td_66\">Tangible assets subject </span><span class=\"S119F SB S2\" id=\"te_66\">to operating lease </span><span class=\"S11A0 SB S2\" id=\"tf_66\">Total </span><span class=\"S11A1 SB S2\" id=\"tg_66\">Balance as at 1 January </span><span class=\"S11A2 SB S2\" id=\"th_66\">2,705 </span><span class=\"S11A3 SB S2\" id=\"ti_66\">- </span><span class=\"S11A4 SB S2\" id=\"tj_66\">3,553 </span><span class=\"S11A5 SB S2\" id=\"tk_66\">43 </span><span class=\"S11A6 SB S2\" id=\"tl_66\">137 </span><span class=\"S11A7 SB S2\" id=\"tm_66\">6,438 </span><span class=\"S11A8 SA7 S2\" id=\"tn_66\">Impairment for the period </span><span class=\"S11A9 SA7 S2\" id=\"to_66\">37 </span><span class=\"S11AA SA7 S2\" id=\"tp_66\">67,715 </span><span class=\"S11AB SA7 S2\" id=\"tq_66\">590 </span><span class=\"S11AC SA7 S2\" id=\"tr_66\">- </span><span class=\"S11AD SA7 S2\" id=\"ts_66\">- </span><span class=\"S11AE SA7 S2\" id=\"tt_66\">68,342 </span><span class=\"S6CB SA7 S2\" id=\"tu_66\">Release of impairment for the period </span><span class=\"S11AF SA7 S2\" id=\"tv_66\">- </span><span class=\"S11B0 SA7 S2\" id=\"tw_66\">- </span><span class=\"S11B1 SA7 S2\" id=\"tx_66\">- </span><span class=\"S11B2 SA7 S2\" id=\"ty_66\">(122) </span><span class=\"S11B3 SA7 S2\" id=\"tz_66\">(122) </span><span class=\"S11B4 SA7 S2\" id=\"t10_66\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"t11_66\">translation differences </span><span class=\"S11B6 SA7 S2\" id=\"t12_66\">54 </span><span class=\"S11B7 SA7 S2\" id=\"t13_66\">(26,849) </span><span class=\"S11B8 SA7 S2\" id=\"t14_66\">258 </span><span class=\"S11B9 SA7 S2\" id=\"t15_66\">3 </span><span class=\"S11BA SA7 S2\" id=\"t16_66\">7 </span><span class=\"S11BB SA7 S2\" id=\"t17_66\">(26,527) </span><span class=\"S11BC SA7 S2\" id=\"t18_66\">Use of impairment </span><span class=\"S11BD SA7 S2\" id=\"t19_66\">- </span><span class=\"S11BE SA7 S2\" id=\"t1a_66\">(150) </span><span class=\"S11BF SA7 S2\" id=\"t1b_66\">- </span><span class=\"S11C0 SA7 S2\" id=\"t1c_66\">(3) </span><span class=\"S11C1 SA7 S2\" id=\"t1d_66\">(153) </span><span class=\"S11C2 SB S2\" id=\"t1e_66\">Closing balance </span><span class=\"S11C3 SB S2\" id=\"t1f_66\">2,796 </span><span class=\"S11C4 SB S2\" id=\"t1g_66\">40,866 </span><span class=\"S11C5 SB S2\" id=\"t1h_66\">4,251 </span><span class=\"S11C6 SB S2\" id=\"t1i_66\">46 </span><span class=\"S11C7 SB S2\" id=\"t1j_66\">19 </span><span class=\"S11C8 SB S2\" id=\"t1k_66\">47,978 </span><span class=\"S11C9 SB S2\" id=\"t1l_66\">Intangible </span><span class=\"S11CA SB S2\" id=\"t1m_66\">assets </span><span class=\"S11CB SB S2\" id=\"t1n_66\">Goodwill </span><span class=\"S11CC SB S2\" id=\"t1o_66\">Property </span><span class=\"S11CD SB S2\" id=\"t1p_66\">Machinery and </span><span class=\"S11CE SB S2\" id=\"t1q_66\">office equipment </span><span class=\"S11CF SB S2\" id=\"t1r_66\">Vehicle </span><span class=\"S11D0 SB S2\" id=\"t1s_66\">Construction </span><span class=\"S11D1 SB S2\" id=\"t1t_66\">in progress </span><span class=\"S11D2 SB S2\" id=\"t1u_66\">Tangible assets subject </span><span class=\"S11D3 SB S2\" id=\"t1v_66\">to operating lease </span><span class=\"S11D4 SB S2\" id=\"t1w_66\">Total </span><span class=\"S11D5 SB S2\" id=\"t1x_66\">Carrying value </span><span class=\"S11D6 SB S2\" id=\"t1y_66\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t1z_66\">142,991 </span><span class=\"S11D8 SB S2\" id=\"t20_66\">105,640 </span><span class=\"S11D9 SB S2\" id=\"t21_66\">217,662 </span><span class=\"S11DA SB S2\" id=\"t22_66\">70,550 </span><span class=\"S11DB SB S2\" id=\"t23_66\">34,064 </span><span class=\"S11DC SB S2\" id=\"t24_66\">67,657 </span><span class=\"S11DD SB S2\" id=\"t25_66\">21,203 </span><span class=\"S11DE SB S2\" id=\"t26_66\">659,767 </span><span class=\"S11DF SB S2\" id=\"t27_66\">Closing balance </span><span class=\"S11E0 SB S2\" id=\"t28_66\">168,712 </span><span class=\"S11E1 SB S2\" id=\"t29_66\">68,319 </span><span class=\"S11E2 SB S2\" id=\"t2a_66\">278,226 </span><span class=\"S11E3 SB S2\" id=\"t2b_66\">76,219 </span><span class=\"S11E4 SB S2\" id=\"t2c_66\">34,148 </span><span class=\"S11E5 SB S2\" id=\"t2d_66\">53,544 </span><span class=\"S11E6 SB S2\" id=\"t2e_66\">22,332 </span><span class=\"S11E7 SB S2\" id=\"t2f_66\">701,500 </span><span class=\"S11E8 SB S2\" id=\"t2g_66\">Fair values </span><span class=\"S11E9 SB S2\" id=\"t2h_66\">- </span><span class=\"S11EA SB S2\" id=\"t2i_66\">- </span><span class=\"S11EB SB S2\" id=\"t2j_66\">308,375 </span><span class=\"S11EC SB S2\" id=\"t2k_66\">76,230 </span><span class=\"S11ED SB S2\" id=\"t2l_66\">34,122 </span><span class=\"S11EE SB S2\" id=\"t2m_66\">- </span><span class=\"S11EF SB S2\" id=\"t2n_66\">22,351 </span><span class=\"S11F0 SB S2\" id=\"t2o_66\">441,078 </span><span class=\"S11F1 SB S2\" id=\"t2p_66\">Gross amount of the fully </span><span class=\"S11F2 SB S2\" id=\"t2q_66\">depreciated assets that </span><span class=\"S11F3 SB S2\" id=\"t2r_66\">are still in use </span><span class=\"S11F4 SB S2\" id=\"t2s_66\">152,718 </span><span class=\"S11F5 SB S2\" id=\"t2t_66\">- </span><span class=\"S11F6 SB S2\" id=\"t2u_66\">26,007 </span><span class=\"S11F7 SB S2\" id=\"t2v_66\">144,310 </span><span class=\"S11F8 SB S2\" id=\"t2w_66\">1,504 </span><span class=\"S11F9 SB S2\" id=\"t2x_66\">- </span><span class=\"S11FA SB S2\" id=\"t2y_66\">- </span><span class=\"S11FB SB S2\" id=\"t2z_66\">324,539 </span><span class=\"S11FC SA7 S2\" id=\"t30_66\">An analysis of the intangible assets for the year ended 31 December 2022 is as follows: </span><span class=\"S11FD SB S2\" id=\"t31_66\">Intangible assets </span><span class=\"S11FE SB S2\" id=\"t32_66\">Self-developed </span><span class=\"S11FF SB S2\" id=\"t33_66\">Purchased </span><span class=\"S1200 SB S2\" id=\"t34_66\">Total </span><span class=\"S1201 SA7 S2\" id=\"t35_66\">Gross values </span><span class=\"S1202 SA7 S2\" id=\"t36_66\">14,704 </span><span class=\"S1203 SA7 S2\" id=\"t37_66\">456,716 </span><span class=\"S1204 SA7 S2\" id=\"t38_66\">471,420 </span><span class=\"S1205 SA7 S2\" id=\"t39_66\">Accumulated amortization </span><span class=\"S1206 SA7 S2\" id=\"t3a_66\">(5,508) </span><span class=\"S1207 SA7 S2\" id=\"t3b_66\">(294,404) </span><span class=\"S1208 SA7 S2\" id=\"t3c_66\">(299,912) </span><span class=\"S1209 SA7 S2\" id=\"t3d_66\">Impairment </span><span class=\"S120A SA7 S2\" id=\"t3e_66\">- </span><span class=\"S120B SA7 S2\" id=\"t3f_66\">(2,796) </span><span class=\"S120C SA7 S2\" id=\"t3g_66\">(2,796) </span><span class=\"S120D SB S2\" id=\"t3h_66\">Carrying value </span><span class=\"S120E SB S2\" id=\"t3i_66\">9,196 </span><span class=\"S120F SB S2\" id=\"t3j_66\">159,516 </span><span class=\"S1210 SB S2\" id=\"t3k_66\">168,712 </span><span class=\"S1123 SB S2\" id=\"t3_67\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_67\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1211 SB S2\" id=\"t5_67\">For the year ended 31 December 2022 [continued] </span><span class=\"S1212 SA7 S2\" id=\"t6_67\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1213 S27D S2\" id=\"t7_67\">Subsidiaries </span><span class=\"S1214 S27D S2\" id=\"t8_67\">Carrying </span><span class=\"S1215 S27D S2\" id=\"t9_67\">amounts of the </span><span class=\"S1216 S27D S2\" id=\"ta_67\">subsidiary in </span><span class=\"S1217 S27D S2\" id=\"tb_67\">HUF million </span><span class=\"S1218 S27D S2\" id=\"tc_67\">Goodwill </span><span class=\"S1219 S27D S2\" id=\"td_67\">values in </span><span class=\"S121A S27D S2\" id=\"te_67\">HUF million </span><span class=\"S121B S27D S2\" id=\"tf_67\">Goodwill values in </span><span class=\"S121C S27D S2\" id=\"tg_67\">million functional </span><span class=\"S121D S27D S2\" id=\"th_67\">currency </span><span class=\"S121E S27D S2\" id=\"ti_67\">Type of </span><span class=\"S121F S27D S2\" id=\"tj_67\">functional </span><span class=\"S1220 S27D S2\" id=\"tk_67\">currency </span><span class=\"S1221 S27D S2\" id=\"tl_67\">Consolidated </span><span class=\"S1222 S27D S2\" id=\"tm_67\">ownership </span><span class=\"S1223 S27D S2\" id=\"tn_67\">interest </span><span class=\"S1224 S27D S2\" id=\"to_67\">With ownership </span><span class=\"S1225 S27D S2\" id=\"tp_67\">adjusted company </span><span class=\"S1226 S27D S2\" id=\"tq_67\">value in HUF million </span><span class=\"S1227 S27D S2\" id=\"tr_67\">Applied long </span><span class=\"S1228 S27D S2\" id=\"ts_67\">term grow rate </span><span class=\"S1229 S27D S2\" id=\"tt_67\">Applied </span><span class=\"S122A S27D S2\" id=\"tu_67\">long term </span><span class=\"S122B S27D S2\" id=\"tv_67\">discount </span><span class=\"S122C S27D S2\" id=\"tw_67\">rate </span><span class=\"S122D S27E S2\" id=\"tx_67\">DSK Bank EAD </span><span class=\"S122E S27E S2\" id=\"ty_67\">280,722 </span><span class=\"S122F S27E S2\" id=\"tz_67\">44,375 </span><span class=\"S1230 S27E S2\" id=\"t10_67\">28,541 </span><span class=\"S1231 S27E S2\" id=\"t11_67\">HUF </span><span class=\"S1232 S27E S2\" id=\"t12_67\">99.92% </span><span class=\"S1233 S27E S2\" id=\"t13_67\">840,031 </span><span class=\"S1234 S27E S2\" id=\"t14_67\">3.00% </span><span class=\"S1235 S27E S2\" id=\"t15_67\">12.54% </span><span class=\"S1236 S27E S2\" id=\"t16_67\">(Bulgaria) </span><span class=\"S1237 S27E S2\" id=\"t17_67\">77 </span><span class=\"S1238 S27E S2\" id=\"t18_67\">BGN </span><span class=\"S1239 S27E S2\" id=\"t19_67\">OTP banka d.d. </span><span class=\"S123A S27E S2\" id=\"t1a_67\">(Croatia) </span><span class=\"S123B S27E S2\" id=\"t1b_67\">205,349 </span><span class=\"S123C S27E S2\" id=\"t1c_67\">23,235 </span><span class=\"S123D S27E S2\" id=\"t1d_67\">58 </span><span class=\"S123E S27E S2\" id=\"t1e_67\">EUR </span><span class=\"S123F S27E S2\" id=\"t1f_67\">100.00% </span><span class=\"S1240 S27E S2\" id=\"t1g_67\">410,711 </span><span class=\"S1241 S27E S2\" id=\"t1h_67\">2.69% </span><span class=\"S1242 S27E S2\" id=\"t1i_67\">10.69% </span><span class=\"S1243 S27E S2\" id=\"t1j_67\">POK-DSK Rodina a.d. </span><span class=\"S1244 S27E S2\" id=\"t1k_67\">(Bulgaria) </span><span class=\"S1245 S27E S2\" id=\"t1l_67\">1,680 </span><span class=\"S1246 S27E S2\" id=\"t1m_67\">11 </span><span class=\"S1247 S27E S2\" id=\"t1n_67\">11 </span><span class=\"S1248 S27E S2\" id=\"t1o_67\">HUF </span><span class=\"S1249 S27E S2\" id=\"t1p_67\">99.85% </span><span class=\"S124A S27E S2\" id=\"t1q_67\">16,564 </span><span class=\"S124B S27E S2\" id=\"t1r_67\">3.00% </span><span class=\"S124C S27E S2\" id=\"t1s_67\">12.54% </span><span class=\"S124D S27E S2\" id=\"t1t_67\">George Consult </span><span class=\"S124E S27E S2\" id=\"t1u_67\">(Croatia) </span><span class=\"S124F S27E S2\" id=\"t1v_67\">225 </span><span class=\"S1250 S27E S2\" id=\"t1w_67\">220 </span><span class=\"S1251 S27E S2\" id=\"t1x_67\">4 </span><span class=\"S1252 S27E S2\" id=\"t1y_67\">HRK </span><span class=\"S1253 S27E S2\" id=\"t1z_67\">76.00% </span><span class=\"S1254 S27E S2\" id=\"t20_67\">171 </span><span class=\"S1255 S27E S2\" id=\"t21_67\">2.69% </span><span class=\"S1256 S27E S2\" id=\"t22_67\">10.69% </span><span class=\"S1257 S27E S2\" id=\"t23_67\">OTP Home Solutions Llc. </span><span class=\"S1258 S27E S2\" id=\"t24_67\">(Hungary) </span><span class=\"S1259 S27E S2\" id=\"t25_67\">2,570 </span><span class=\"S125A S27E S2\" id=\"t26_67\">478 </span><span class=\"S125B S27E S2\" id=\"t27_67\">478 </span><span class=\"S125C S27E S2\" id=\"t28_67\">HUF </span><span class=\"S125D S27E S2\" id=\"t29_67\">100.00% </span><span class=\"S125E S27E S2\" id=\"t2a_67\">2,570 </span><span class=\"S125F S27E S2\" id=\"t2b_67\">3.00% </span><span class=\"S1260 S27E S2\" id=\"t2c_67\">16.26% </span><span class=\"S1261 S27D S2\" id=\"t2d_67\">490,546 </span><span class=\"S1262 S27D S2\" id=\"t2e_67\">68,319 </span><span class=\"S1123 SB S2\" id=\"t3_68\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_68\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S1263 SB S2\" id=\"t5_68\">For the year ended 31 December 2021 </span><span class=\"S1264 SB S2\" id=\"t6_68\">Cost </span><span class=\"S1265 SB S2\" id=\"t7_68\">Intangible </span><span class=\"S1266 SB S2\" id=\"t8_68\">assets </span><span class=\"S1267 SB S2\" id=\"t9_68\">Goodwill </span><span class=\"S1268 SB S2\" id=\"ta_68\">Property </span><span class=\"S1269 SB S2\" id=\"tb_68\">Machinery and </span><span class=\"S126A SB S2\" id=\"tc_68\">office equipment </span><span class=\"S126B SB S2\" id=\"td_68\">Vehicle </span><span class=\"S126C SB S2\" id=\"te_68\">Construction </span><span class=\"S126D SB S2\" id=\"tf_68\">in progress </span><span class=\"S126E SB S2\" id=\"tg_68\">Tangible assets subject </span><span class=\"S126F SB S2\" id=\"th_68\">to operating lease </span><span class=\"S1270 SB S2\" id=\"ti_68\">Total </span><span class=\"S11A1 SB S2\" id=\"tj_68\">Balance as at 1 January </span><span class=\"S1271 SB S2\" id=\"tk_68\">364,495 </span><span class=\"S1272 SB S2\" id=\"tl_68\">101,393 </span><span class=\"S1273 SB S2\" id=\"tm_68\">285,506 </span><span class=\"S1274 SB S2\" id=\"tn_68\">212,105 </span><span class=\"S1275 SB S2\" id=\"to_68\">23,893 </span><span class=\"S1276 SB S2\" id=\"tp_68\">23,403 </span><span class=\"S1277 SB S2\" id=\"tq_68\">28,926 </span><span class=\"S1278 SB S2\" id=\"tr_68\">1,039,721 </span><span class=\"S1279 SA7 S2\" id=\"ts_68\">Increase due to acquisition </span><span class=\"S127A SA7 S2\" id=\"tt_68\">- </span><span class=\"S127B SA7 S2\" id=\"tu_68\">Additions </span><span class=\"S127C SA7 S2\" id=\"tv_68\">90,887 </span><span class=\"S127D SA7 S2\" id=\"tw_68\">- </span><span class=\"S127E SA7 S2\" id=\"tx_68\">28,684 </span><span class=\"S127F SA7 S2\" id=\"ty_68\">37,266 </span><span class=\"S1280 SA7 S2\" id=\"tz_68\">19,135 </span><span class=\"S1281 SA7 S2\" id=\"t10_68\">111,316 </span><span class=\"S1282 SA7 S2\" id=\"t11_68\">13,427 </span><span class=\"S1283 SA7 S2\" id=\"t12_68\">300,715 </span><span class=\"S11B4 SA7 S2\" id=\"t13_68\">Foreign currency </span><span class=\"S1284 SA7 S2\" id=\"t14_68\">translation differences </span><span class=\"S1285 SA7 S2\" id=\"t15_68\">4,656 </span><span class=\"S1286 SA7 S2\" id=\"t16_68\">4,247 </span><span class=\"S1287 SA7 S2\" id=\"t17_68\">3,609 </span><span class=\"S1288 SA7 S2\" id=\"t18_68\">3,237 </span><span class=\"S1289 SA7 S2\" id=\"t19_68\">163 </span><span class=\"S128A SA7 S2\" id=\"t1a_68\">136 </span><span class=\"S128B SA7 S2\" id=\"t1b_68\">422 </span><span class=\"S128C SA7 S2\" id=\"t1c_68\">16,470 </span><span class=\"S128D SA7 S2\" id=\"t1d_68\">Disposals </span><span class=\"S128E SA7 S2\" id=\"t1e_68\">(52,035) </span><span class=\"S128F SA7 S2\" id=\"t1f_68\">- </span><span class=\"S1290 SA7 S2\" id=\"t1g_68\">(12,877) </span><span class=\"S1291 SA7 S2\" id=\"t1h_68\">(8,877) </span><span class=\"S1292 SA7 S2\" id=\"t1i_68\">(1,939) </span><span class=\"S1293 SA7 S2\" id=\"t1j_68\">(67,198) </span><span class=\"S1294 SA7 S2\" id=\"t1k_68\">(11,942) </span><span class=\"S1295 SA7 S2\" id=\"t1l_68\">(154,868) </span><span class=\"S11C2 SB S2\" id=\"t1m_68\">Closing balance </span><span class=\"S1296 SB S2\" id=\"t1n_68\">408,003 </span><span class=\"S1297 SB S2\" id=\"t1o_68\">105,640 </span><span class=\"S1298 SB S2\" id=\"t1p_68\">304,922 </span><span class=\"S1299 SB S2\" id=\"t1q_68\">243,731 </span><span class=\"S129A SB S2\" id=\"t1r_68\">41,252 </span><span class=\"S129B SB S2\" id=\"t1s_68\">67,657 </span><span class=\"S129C SB S2\" id=\"t1t_68\">30,833 </span><span class=\"S129D SB S2\" id=\"t1u_68\">1,202,038 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span><span class=\"S1123 SB S2\" id=\"t3_69\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_69\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_69\">For the year ended 31 December 2021 [continued] </span><span class=\"S1197 SB S2\" id=\"t6_69\">Impairment </span><span class=\"S12CB SB S2\" id=\"t7_69\">Intangible </span><span class=\"S12CC SB S2\" id=\"t8_69\">assets </span><span class=\"S12CD SB S2\" id=\"t9_69\">Property </span><span class=\"S12CE SB S2\" id=\"ta_69\">Machinery and </span><span class=\"S12CF SB S2\" id=\"tb_69\">office equipment </span><span class=\"S12D0 SB S2\" id=\"tc_69\">Tangible assets subject </span><span class=\"S12D1 SB S2\" id=\"td_69\">to operating lease </span><span class=\"S12D2 SB S2\" id=\"te_69\">Total </span><span class=\"S11A1 SB S2\" id=\"tf_69\">Balance as at 1 January </span><span class=\"S12D3 SB S2\" id=\"tg_69\">2,704 </span><span class=\"S12D4 SB S2\" id=\"th_69\">1,122 </span><span class=\"S12D5 SB S2\" id=\"ti_69\">42 </span><span class=\"S12D6 SB S2\" id=\"tj_69\">338 </span><span class=\"S12D7 SB S2\" id=\"tk_69\">4,206 </span><span class=\"S11A8 SA7 S2\" id=\"tl_69\">Impairment for the period </span><span class=\"S12D8 SA7 S2\" id=\"tm_69\">- </span><span class=\"S12D9 SA7 S2\" id=\"tn_69\">2,967 </span><span class=\"S12DA SA7 S2\" id=\"to_69\">- </span><span class=\"S12DB SA7 S2\" id=\"tp_69\">9 </span><span class=\"S12DC SA7 S2\" id=\"tq_69\">2,976 </span><span class=\"S12DD SA7 S2\" id=\"tr_69\">Release of impairment for the period </span><span class=\"S12DE SA7 S2\" id=\"ts_69\">- </span><span class=\"S12DF SA7 S2\" id=\"tt_69\">- </span><span class=\"S12E0 SA7 S2\" id=\"tu_69\">- </span><span class=\"S12E1 SA7 S2\" id=\"tv_69\">(204) </span><span class=\"S12E2 SA7 S2\" id=\"tw_69\">(204) </span><span class=\"S11B4 SA7 S2\" id=\"tx_69\">Foreign currency </span><span class=\"S11B5 SA7 S2\" id=\"ty_69\">translation differences </span><span class=\"S12E3 SA7 S2\" id=\"tz_69\">5 </span><span class=\"S12E4 SA7 S2\" id=\"t10_69\">55 </span><span class=\"S12E5 SA7 S2\" id=\"t11_69\">6 </span><span class=\"S12E6 SA7 S2\" id=\"t12_69\">(1) </span><span class=\"S12E7 SA7 S2\" id=\"t13_69\">65 </span><span class=\"S11BC SA7 S2\" id=\"t14_69\">Use of impairment </span><span class=\"S12E8 SA7 S2\" id=\"t15_69\">(4) </span><span class=\"S12E9 SA7 S2\" id=\"t16_69\">(591) </span><span class=\"S12EA SA7 S2\" id=\"t17_69\">(5) </span><span class=\"S1293 SA7 S2\" id=\"t18_69\">(5) </span><span class=\"S12EB SA7 S2\" id=\"t19_69\">(605) </span><span class=\"S11C2 SB S2\" id=\"t1a_69\">Closing balance </span><span class=\"S12EC SB S2\" id=\"t1b_69\">2,705 </span><span class=\"S12ED SB S2\" id=\"t1c_69\">3,553 </span><span class=\"S12EE SB S2\" id=\"t1d_69\">43 </span><span class=\"S12EF SB S2\" id=\"t1e_69\">137 </span><span class=\"S12F0 SB S2\" id=\"t1f_69\">6,438 </span><span class=\"S12F1 SB S2\" id=\"t1g_69\">Intangible </span><span class=\"S12F2 SB S2\" id=\"t1h_69\">assets </span><span class=\"S12F3 SB S2\" id=\"t1i_69\">Goodwill </span><span class=\"S12F4 SB S2\" id=\"t1j_69\">Property </span><span class=\"S12F5 SB S2\" id=\"t1k_69\">Machinery and </span><span class=\"S12F6 SB S2\" id=\"t1l_69\">office equipment </span><span class=\"S12F7 SB S2\" id=\"t1m_69\">Vehicle </span><span class=\"S12F8 SB S2\" id=\"t1n_69\">Construction in </span><span class=\"S12F9 SB S2\" id=\"t1o_69\">progress </span><span class=\"S12FA SB S2\" id=\"t1p_69\">Tangible assets subject </span><span class=\"S12FB SB S2\" id=\"t1q_69\">to operating lease </span><span class=\"S12FC SB S2\" id=\"t1r_69\">Total </span><span class=\"S12FD SB S2\" id=\"t1s_69\">Carrying value </span><span class=\"S12FE SB S2\" id=\"t1t_69\">Balance as at 1 January </span><span class=\"S12FF SB S2\" id=\"t1u_69\">137,611 </span><span class=\"S1300 SB S2\" id=\"t1v_69\">101,393 </span><span class=\"S1301 SB S2\" id=\"t1w_69\">206,631 </span><span class=\"S1302 SB S2\" id=\"t1x_69\">56,771 </span><span class=\"S1303 SB S2\" id=\"t1y_69\">17,652 </span><span class=\"S1304 SB S2\" id=\"t1z_69\">23,403 </span><span class=\"S1305 SB S2\" id=\"t20_69\">18,309 </span><span class=\"S1306 SB S2\" id=\"t21_69\">561,770 </span><span class=\"S1307 SB S2\" id=\"t22_69\">Closing balance </span><span class=\"S1308 SB S2\" id=\"t23_69\">142,991 </span><span class=\"S1309 SB S2\" id=\"t24_69\">105,640 </span><span class=\"S130A SB S2\" id=\"t25_69\">217,662 </span><span class=\"S130B SB S2\" id=\"t26_69\">70,550 </span><span class=\"S130C SB S2\" id=\"t27_69\">34,064 </span><span class=\"S130D SB S2\" id=\"t28_69\">67,657 </span><span class=\"S130E SB S2\" id=\"t29_69\">21,203 </span><span class=\"S130F SB S2\" id=\"t2a_69\">659,767 </span><span class=\"S1310 SB S2\" id=\"t2b_69\">Fair values </span><span class=\"S1311 SB S2\" id=\"t2c_69\">- </span><span class=\"S1312 SB S2\" id=\"t2d_69\">- </span><span class=\"S1313 SB S2\" id=\"t2e_69\">247,754 </span><span class=\"S1314 SB S2\" id=\"t2f_69\">70,258 </span><span class=\"S1315 SB S2\" id=\"t2g_69\">34,063 </span><span class=\"S1316 SB S2\" id=\"t2h_69\">- </span><span class=\"S1317 SB S2\" id=\"t2i_69\">21,339 </span><span class=\"S1318 SB S2\" id=\"t2j_69\">373,414 </span><span class=\"S1319 SB S2\" id=\"t2k_69\">Gross amount of the fully </span><span class=\"S131A SB S2\" id=\"t2l_69\">depreciated assets that </span><span class=\"S131B SB S2\" id=\"t2m_69\">are still in use </span><span class=\"S131C SB S2\" id=\"t2n_69\">129,805 </span><span class=\"S131D SB S2\" id=\"t2o_69\">- </span><span class=\"S131E SB S2\" id=\"t2p_69\">25,396 </span><span class=\"S131F SB S2\" id=\"t2q_69\">132,611 </span><span class=\"S1320 SB S2\" id=\"t2r_69\">924 </span><span class=\"S1321 SB S2\" id=\"t2s_69\">- </span><span class=\"S1322 SB S2\" id=\"t2t_69\">- </span><span class=\"S1323 SB S2\" id=\"t2u_69\">288,736 </span><span class=\"SA1A SA7 S2\" id=\"t2v_69\">An analysis of the intangible assets for the year ended 31 December 2021 is as follows: </span><span class=\"S1324 SB S2\" id=\"t2w_69\">Intangible assets </span><span class=\"S1325 SB S2\" id=\"t2x_69\">Self-developed </span><span class=\"S1326 SB S2\" id=\"t2y_69\">Purchased </span><span class=\"S1327 SB S2\" id=\"t2z_69\">Total </span><span class=\"S1328 SA7 S2\" id=\"t30_69\">Gross values </span><span class=\"S1329 SA7 S2\" id=\"t31_69\">12,700 </span><span class=\"S132A SA7 S2\" id=\"t32_69\">395,303 </span><span class=\"S132B SA7 S2\" id=\"t33_69\">408,003 </span><span class=\"S132C SA7 S2\" id=\"t34_69\">Accumulated amortization </span><span class=\"S132D SA7 S2\" id=\"t35_69\">(5,017) </span><span class=\"S132E SA7 S2\" id=\"t36_69\">(257,290) </span><span class=\"S132F SA7 S2\" id=\"t37_69\">(262,307) </span><span class=\"S1330 SA7 S2\" id=\"t38_69\">Impairment </span><span class=\"S1331 SA7 S2\" id=\"t39_69\">- </span><span class=\"S1332 SA7 S2\" id=\"t3a_69\">(2,705) </span><span class=\"S1333 SA7 S2\" id=\"t3b_69\">(2,705) </span><span class=\"S1334 SB S2\" id=\"t3c_69\">Carrying value </span><span class=\"S1335 SB S2\" id=\"t3d_69\">7,683 </span><span class=\"S1336 SB S2\" id=\"t3e_69\">135,308 </span><span class=\"S1337 SB S2\" id=\"t3f_69\">142,991 </span><span class=\"S1123 SB S2\" id=\"t3_70\">NOTE 13: </span><span class=\"S1124 SB S2\" id=\"t4_70\">PROPERTY, EQUIPMENT AND INTANGIBLE ASSETS (in HUF mn) [continued] </span><span class=\"S12CA SB S2\" id=\"t5_70\">For the year ended 31 December 2021 [continued] </span><span class=\"S1338 SA7 S2\" id=\"t6_70\">Carrying value of the investment and goodwill allocated to the appropriate cash generating units </span><span class=\"S1339 S27D S2\" id=\"t7_70\">Subsidiaries </span><span class=\"S133A S27D S2\" id=\"t8_70\">Carrying </span><span class=\"S133B S27D S2\" id=\"t9_70\">amounts of the </span><span class=\"S133C S27D S2\" id=\"ta_70\">subsidiary in </span><span class=\"S133D S27D S2\" id=\"tb_70\">HUF million </span><span class=\"S133E S27D S2\" id=\"tc_70\">Goodwill </span><span class=\"S133F S27D S2\" id=\"td_70\">values in </span><span class=\"S1340 S27D S2\" id=\"te_70\">HUF million </span><span class=\"S1341 S27D S2\" id=\"tf_70\">Goodwill values in </span><span class=\"S1342 S27D S2\" id=\"tg_70\">million functional </span><span class=\"S1343 S27D S2\" id=\"th_70\">currency </span><span class=\"S1344 S27D S2\" id=\"ti_70\">Type of </span><span class=\"S1345 S27D S2\" id=\"tj_70\">functional </span><span class=\"S1346 S27D S2\" id=\"tk_70\">currency </span><span class=\"S1347 S27D S2\" id=\"tl_70\">Consolidated </span><span class=\"S1348 S27D S2\" id=\"tm_70\">ownership </span><span class=\"S1349 S27D S2\" id=\"tn_70\">interest </span><span class=\"S134A S27D S2\" id=\"to_70\">With ownership </span><span class=\"S134B S27D S2\" id=\"tp_70\">adjusted company </span><span class=\"S134C S27D S2\" id=\"tq_70\">value in HUF million </span><span class=\"S134D S27D S2\" id=\"tr_70\">Applied long </span><span class=\"S134E S27D S2\" id=\"ts_70\">term grow rate </span><span class=\"S134F S27D S2\" id=\"tt_70\">Applied </span><span class=\"S1350 S27D S2\" id=\"tu_70\">long term </span><span class=\"S1351 S27D S2\" id=\"tv_70\">discount </span><span class=\"S1352 S27D S2\" id=\"tw_70\">rate </span><span class=\"S1353 S27E S2\" id=\"tx_70\">DSK Bank EAD </span><span class=\"S1354 S27E S2\" id=\"ty_70\">280,692 </span><span class=\"S1355 S27E S2\" id=\"tz_70\">43,138 </span><span class=\"S1356 S27E S2\" id=\"t10_70\">28,541 </span><span class=\"S1357 S27E S2\" id=\"t11_70\">HUF </span><span class=\"S1358 S27E S2\" id=\"t12_70\">99.91% </span><span class=\"S1359 S27E S2\" id=\"t13_70\">832,445 </span><span class=\"S135A S27E S2\" id=\"t14_70\">3.00% </span><span class=\"S135B S27E S2\" id=\"t15_70\">7.90% </span><span class=\"S135C S27E S2\" id=\"t16_70\">(Bulgaria) </span><span class=\"S135D S27E S2\" id=\"t17_70\">77 </span><span class=\"S135E S27E S2\" id=\"t18_70\">BGN </span><span class=\"S135F S27E S2\" id=\"t19_70\">OTP banka d.d. </span><span class=\"S1360 S27E S2\" id=\"t1a_70\">(Croatia) </span><span class=\"S1361 S27E S2\" id=\"t1b_70\">205,349 </span><span class=\"S1362 S27E S2\" id=\"t1c_70\">21,421 </span><span class=\"S1363 S27E S2\" id=\"t1d_70\">58 </span><span class=\"S1364 S27E S2\" id=\"t1e_70\">EUR </span><span class=\"S1365 S27E S2\" id=\"t1f_70\">100.00% </span><span class=\"S1366 S27E S2\" id=\"t1g_70\">361,995 </span><span class=\"S1367 S27E S2\" id=\"t1h_70\">2.69% </span><span class=\"S1368 S27E S2\" id=\"t1i_70\">8.83% </span><span class=\"S1369 S27F S2\" id=\"t1j_70\">JSC \u201cOTP Bank\u201d </span><span class=\"S136A S27E S2\" id=\"t1k_70\">(Russia) </span><span class=\"S136B S27E S2\" id=\"t1l_70\">124,411 </span><span class=\"S136C S27E S2\" id=\"t1m_70\">40,866 </span><span class=\"S136D S27E S2\" id=\"t1n_70\">9,395 </span><span class=\"S136E S27E S2\" id=\"t1o_70\">RUB </span><span class=\"S136F S27E S2\" id=\"t1p_70\">97.92% </span><span class=\"S1370 S27E S2\" id=\"t1q_70\">187,552 </span><span class=\"S1371 S27E S2\" id=\"t1r_70\">1.89% </span><span class=\"S1372 S27E S2\" id=\"t1s_70\">15.44% </span><span class=\"S1373 S27E S2\" id=\"t1t_70\">POK-DSK Rodina a.d. </span><span class=\"S1374 S27E S2\" id=\"t1u_70\">(Bulgaria) </span><span class=\"S1375 S27E S2\" id=\"t1v_70\">1,680 </span><span class=\"S1376 S27E S2\" id=\"t1w_70\">11 </span><span class=\"S1377 S27E S2\" id=\"t1x_70\">11 </span><span class=\"S1378 S27E S2\" id=\"t1y_70\">HUF </span><span class=\"S1379 S27E S2\" id=\"t1z_70\">99.85% </span><span class=\"S137A S27E S2\" id=\"t20_70\">15,299 </span><span class=\"S137B S27E S2\" id=\"t21_70\">3.00% </span><span class=\"S137C S27E S2\" id=\"t22_70\">7.90% </span><span class=\"S137D S27E S2\" id=\"t23_70\">George Consult </span><span class=\"S137E S27E S2\" id=\"t24_70\">(Croatia) </span><span class=\"S137F S27E S2\" id=\"t25_70\">225 </span><span class=\"S1380 S27E S2\" id=\"t26_70\">204 </span><span class=\"S1381 S27E S2\" id=\"t27_70\">4 </span><span class=\"S1382 S27E S2\" id=\"t28_70\">HRK </span><span class=\"S1383 S27E S2\" id=\"t29_70\">76.00% </span><span class=\"S1384 S27E S2\" id=\"t2a_70\">171 </span><span class=\"S1385 S27E S2\" id=\"t2b_70\">2.69% </span><span class=\"S1386 S27E S2\" id=\"t2c_70\">8.83% </span><span class=\"S1387 S27D S2\" id=\"t2d_70\">612,357 </span><span class=\"S1388 S27D S2\" id=\"t2e_70\">105,640 </span><span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span><span class=\"S1BFB S482 S2\" id=\"t2z_103\">1 </span><span class=\"S1BFC S483 S2\" id=\"t30_103\">See details in Note 12. </span><span class=\"S1BFD SB S2\" id=\"t6_104\">Other administrative expenses </span><span class=\"S1762 SB S2\" id=\"t7_104\">2022 </span><span class=\"S1763 SB S2\" id=\"t8_104\">2021 </span><span class=\"S1BFE SA7 S2\" id=\"t9_104\">Personnel expenses </span><span class=\"S1BFF SA7 S2\" id=\"ta_104\">Wages </span><span class=\"S1C00 SA7 S2\" id=\"tb_104\">311,231 </span><span class=\"S1C01 SA7 S2\" id=\"tc_104\">271,497 </span><span class=\"S1C02 SA7 S2\" id=\"td_104\">Taxes related to personnel expenses </span><span class=\"S1C03 SA7 S2\" id=\"te_104\">49,015 </span><span class=\"S176C SA7 S2\" id=\"tf_104\">44,049 </span><span class=\"S1C04 SA7 S2\" id=\"tg_104\">Other personnel expenses </span><span class=\"S1C05 SA7 S2\" id=\"th_104\">42,317 </span><span class=\"S1C06 SA7 S2\" id=\"ti_104\">25,138 </span><span class=\"S1C07 SB S2\" id=\"tj_104\">Subtotal </span><span class=\"S1C08 SB S2\" id=\"tk_104\">402,563 </span><span class=\"S1C09 SB S2\" id=\"tl_104\">340,684 </span><span class=\"S1C0A SB S2\" id=\"tm_104\">Depreciation, amortization of tangible, intangible assets, </span><span class=\"S1C0B SB S2\" id=\"tn_104\">right-of-use assets </span><span class=\"S1C0C S10A6 S2\" id=\"to_104\">2 </span><span class=\"S1C0D SB S2\" id=\"tp_104\">107,588 </span><span class=\"S1C0E SB S2\" id=\"tq_104\">94,996 </span><span class=\"S1C0F SB S2\" id=\"tr_104\">Other administrative expenses </span><span class=\"S1C10 SA7 S2\" id=\"ts_104\">Taxes, other than income tax </span><span class=\"S1C11 SE8B S2\" id=\"tt_104\">3 </span><span class=\"S177F SA7 S2\" id=\"tu_104\">193,587 </span><span class=\"S1A05 SA7 S2\" id=\"tv_104\">93,678 </span><span class=\"S1C12 SA7 S2\" id=\"tw_104\">Services </span><span class=\"S1C13 SA7 S2\" id=\"tx_104\">150,505 </span><span class=\"S1C14 SA7 S2\" id=\"ty_104\">113,400 </span><span class=\"S1C15 SA7 S2\" id=\"tz_104\">Professional fees </span><span class=\"S14EC SA7 S2\" id=\"t10_104\">22,932 </span><span class=\"S14ED SA7 S2\" id=\"t11_104\">21,775 </span><span class=\"S1C16 SA7 S2\" id=\"t12_104\">Fees payable to authorities and other fees </span><span class=\"S1C17 SA7 S2\" id=\"t13_104\">54,751 </span><span class=\"S1C18 SA7 S2\" id=\"t14_104\">44,113 </span><span class=\"S1C19 SA7 S2\" id=\"t15_104\">Advertising </span><span class=\"S1C1A SA7 S2\" id=\"t16_104\">20,827 </span><span class=\"S1C1B SA7 S2\" id=\"t17_104\">19,457 </span><span class=\"S1C1C SA7 S2\" id=\"t18_104\">Administration expenses </span><span class=\"S1A0C SA7 S2\" id=\"t19_104\">17,211 </span><span class=\"S1A0D SA7 S2\" id=\"t1a_104\">14,662 </span><span class=\"S1C1D SA7 S2\" id=\"t1b_104\">Rental fees </span><span class=\"S1C1E SA7 S2\" id=\"t1c_104\">5,184 </span><span class=\"S1C1F SA7 S2\" id=\"t1d_104\">4,847 </span><span class=\"S1C20 SB S2\" id=\"t1e_104\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1f_104\">464,997 </span><span class=\"S19B3 SB S2\" id=\"t1g_104\">311,932 </span><span class=\"S1C21 SB S2\" id=\"t1h_104\">Total </span><span class=\"S1C22 SB S2\" id=\"t1i_104\">975,148 </span><span class=\"S1C23 SB S2\" id=\"t1j_104\">747,612 </span><span class=\"S1C24 S482 S2\" id=\"t1k_104\">2 </span><span class=\"S1C25 S483 S2\" id=\"t1l_104\">See details in Note 13 and Note 36. </span><span class=\"S1C26 S482 S2\" id=\"t1m_104\">3 </span><span class=\"S1C27 S483 S2\" id=\"t1n_104\">Special tax of financial institutions was paid by the Group in the amount of HUF 99,974 million for the year ended 31 December 2022 and </span><span class=\"S1C28 S483 S2\" id=\"t1o_104\">HUF 19,652 million for the year 2021, recognized as an expense thus decreased the corporate tax base. For the year ended 31 December 2022 </span><span class=\"S1C29 S483 S2\" id=\"t1p_104\">financial transaction duty was paid by the Bank in the amount of HUF 88,642 million while for the year ended 31 December 2021 the same </span><span class=\"S1C2A S483 S2\" id=\"t1q_104\">duty was HUF 68 billion. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6210": {
   "value": "<span class=\"S1168 SB S2\" id=\"t21_65\">Depreciation and amortization </span><span class=\"S1169 SB S2\" id=\"t22_65\">Intangible </span><span class=\"S116A SB S2\" id=\"t23_65\">assets </span><span class=\"S116B SB S2\" id=\"t24_65\">Property </span><span class=\"S116C SB S2\" id=\"t25_65\">Machinery and </span><span class=\"S116D SB S2\" id=\"t26_65\">office equipment </span><span class=\"S116E SB S2\" id=\"t27_65\">Vehicle </span><span class=\"S116F SB S2\" id=\"t28_65\">Tangible assets subject </span><span class=\"S1170 SB S2\" id=\"t29_65\">to operating lease </span><span class=\"S1171 SB S2\" id=\"t2a_65\">Total </span><span class=\"S1172 SB S2\" id=\"t2b_65\">Balance as at 1 January </span><span class=\"S1173 SB S2\" id=\"t2c_65\">262,307 </span><span class=\"S1174 SB S2\" id=\"t2d_65\">83,707 </span><span class=\"S1175 SB S2\" id=\"t2e_65\">173,138 </span><span class=\"S1176 SB S2\" id=\"t2f_65\">7,188 </span><span class=\"S1177 SB S2\" id=\"t2g_65\">9,493 </span><span class=\"S1178 SB S2\" id=\"t2h_65\">535,833 </span><span class=\"S1179 SA7 S2\" id=\"t2i_65\">Charge for the period </span><span class=\"S117A SA7 S2\" id=\"t2j_65\">49,750 </span><span class=\"S117B SA7 S2\" id=\"t2k_65\">10,627 </span><span class=\"S117C SA7 S2\" id=\"t2l_65\">26,770 </span><span class=\"S117D SA7 S2\" id=\"t2m_65\">2,433 </span><span class=\"S117E SA7 S2\" id=\"t2n_65\">4,249 </span><span class=\"S117F SA7 S2\" id=\"t2o_65\">93,829 </span><span class=\"S1180 SA7 S2\" id=\"t2p_65\">Foreign currency </span><span class=\"S1181 SA7 S2\" id=\"t2q_65\">translation differences </span><span class=\"S1182 SA7 S2\" id=\"t2r_65\">9,482 </span><span class=\"S1183 SA7 S2\" id=\"t2s_65\">4,145 </span><span class=\"S1184 SA7 S2\" id=\"t2t_65\">8,081 </span><span class=\"S1185 SA7 S2\" id=\"t2u_65\">257 </span><span class=\"S1186 SA7 S2\" id=\"t2v_65\">718 </span><span class=\"S1187 SA7 S2\" id=\"t2w_65\">22,683 </span><span class=\"S1188 SA7 S2\" id=\"t2x_65\">Disposals </span><span class=\"S1189 SA7 S2\" id=\"t2y_65\">(21,627) </span><span class=\"S118A SA7 S2\" id=\"t2z_65\">(5,191) </span><span class=\"S118B SA7 S2\" id=\"t30_65\">(12,375) </span><span class=\"S118C SA7 S2\" id=\"t31_65\">(738) </span><span class=\"S118D SA7 S2\" id=\"t32_65\">(5,605) </span><span class=\"S118E SA7 S2\" id=\"t33_65\">(45,536) </span><span class=\"S118F SB S2\" id=\"t34_65\">Closing balance </span><span class=\"S1190 SB S2\" id=\"t35_65\">299,912 </span><span class=\"S1191 SB S2\" id=\"t36_65\">93,288 </span><span class=\"S1192 SB S2\" id=\"t37_65\">195,614 </span><span class=\"S1193 SB S2\" id=\"t38_65\">9,140 </span><span class=\"S1194 SB S2\" id=\"t39_65\">8,855 </span><span class=\"S1195 SB S2\" id=\"t3a_65\">606,809 </span><span class=\"S129E SB S2\" id=\"t1v_68\">Depreciation and amortization </span><span class=\"S129F SB S2\" id=\"t1w_68\">Intangible </span><span class=\"S12A0 SB S2\" id=\"t1x_68\">assets </span><span class=\"S12A1 SB S2\" id=\"t1y_68\">Property </span><span class=\"S12A2 SB S2\" id=\"t1z_68\">Machinery and </span><span class=\"S12A3 SB S2\" id=\"t20_68\">office equipment </span><span class=\"S12A4 SB S2\" id=\"t21_68\">Vehicle </span><span class=\"S12A5 SB S2\" id=\"t22_68\">Tangible assets subject </span><span class=\"S12A6 SB S2\" id=\"t23_68\">to operating lease </span><span class=\"S12A7 SB S2\" id=\"t24_68\">Total </span><span class=\"S11D6 SB S2\" id=\"t25_68\">Balance as at 1 January </span><span class=\"S11D7 SB S2\" id=\"t26_68\">224,180 </span><span class=\"S12A8 SB S2\" id=\"t27_68\">77,753 </span><span class=\"S12A9 SB S2\" id=\"t28_68\">155,292 </span><span class=\"S12AA SB S2\" id=\"t29_68\">6,241 </span><span class=\"S12AB SB S2\" id=\"t2a_68\">10,279 </span><span class=\"S12AC SB S2\" id=\"t2b_68\">473,745 </span><span class=\"S12AD SA7 S2\" id=\"t2c_68\">Charge for the period </span><span class=\"S12AE SA7 S2\" id=\"t2d_68\">44,973 </span><span class=\"S12AF SA7 S2\" id=\"t2e_68\">9,219 </span><span class=\"S12B0 SA7 S2\" id=\"t2f_68\">22,753 </span><span class=\"S12B1 SA7 S2\" id=\"t2g_68\">1,986 </span><span class=\"S12B2 SA7 S2\" id=\"t2h_68\">4,212 </span><span class=\"S12B3 SA7 S2\" id=\"t2i_68\">83,143 </span><span class=\"S12B4 SA7 S2\" id=\"t2j_68\">Foreign currency </span><span class=\"S12B5 SA7 S2\" id=\"t2k_68\">translation differences </span><span class=\"S12B6 SA7 S2\" id=\"t2l_68\">3,263 </span><span class=\"S12B7 SA7 S2\" id=\"t2m_68\">1,266 </span><span class=\"S12B8 SA7 S2\" id=\"t2n_68\">2,394 </span><span class=\"S12B9 SA7 S2\" id=\"t2o_68\">102 </span><span class=\"S12BA SA7 S2\" id=\"t2p_68\">262 </span><span class=\"S12BB SA7 S2\" id=\"t2q_68\">7,287 </span><span class=\"S12BC SA7 S2\" id=\"t2r_68\">Disposals </span><span class=\"S12BD SA7 S2\" id=\"t2s_68\">(10,109) </span><span class=\"S12BE SA7 S2\" id=\"t2t_68\">(4,531) </span><span class=\"S12BF SA7 S2\" id=\"t2u_68\">(7,301) </span><span class=\"S12C0 SA7 S2\" id=\"t2v_68\">(1,141) </span><span class=\"S12C1 SA7 S2\" id=\"t2w_68\">(5,260) </span><span class=\"S12C2 SA7 S2\" id=\"t2x_68\">(28,342) </span><span class=\"S12C3 SB S2\" id=\"t2y_68\">Closing balance </span><span class=\"S12C4 SB S2\" id=\"t2z_68\">262,307 </span><span class=\"S12C5 SB S2\" id=\"t30_68\">83,707 </span><span class=\"S12C6 SB S2\" id=\"t31_68\">173,138 </span><span class=\"S12C7 SB S2\" id=\"t32_68\">7,188 </span><span class=\"S12C8 SB S2\" id=\"t33_68\">9,493 </span><span class=\"S12C9 SB S2\" id=\"t34_68\">535,833 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f6860": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_71\">NOTE 14: </span><span class=\"SDB9 SB S2\" id=\"t4_71\">INVESTMENT PROPERTIES (in HUF mn) </span><span class=\"S10A8 SA7 S2\" id=\"t5_71\">An analysis of the change in gross values of investment properties is as follows: </span><span class=\"S1389 SB S2\" id=\"t6_71\">Gross values </span><span class=\"SD71 SB S2\" id=\"t7_71\">2022 </span><span class=\"SD72 SB S2\" id=\"t8_71\">2021 </span><span class=\"S138A SB S2\" id=\"t9_71\">Balance as at 1 January </span><span class=\"S138B SB S2\" id=\"ta_71\">40,241 </span><span class=\"S138C SB S2\" id=\"tb_71\">54,154 </span><span class=\"S138D SA7 S2\" id=\"tc_71\">Increase due to transfer from inventories </span><span class=\"S138E SA7 S2\" id=\"td_71\">or owner-occupied properties </span><span class=\"S138F SA7 S2\" id=\"te_71\">1,830 </span><span class=\"S1390 SA7 S2\" id=\"tf_71\">3,425 </span><span class=\"S1391 SA7 S2\" id=\"tg_71\">Increase from purchase </span><span class=\"S1392 SA7 S2\" id=\"th_71\">20,935 </span><span class=\"S1393 SA7 S2\" id=\"ti_71\">134 </span><span class=\"S1394 SA7 S2\" id=\"tj_71\">Transfer to held-for-sale properties </span><span class=\"S1395 SA7 S2\" id=\"tk_71\">(321) </span><span class=\"S1396 SA7 S2\" id=\"tl_71\">(66) </span><span class=\"S1397 SA7 S2\" id=\"tm_71\">Transfer to inventories or owner-occupied properties </span><span class=\"S1398 SA7 S2\" id=\"tn_71\">(1,442) </span><span class=\"S1399 SA7 S2\" id=\"to_71\">(2,858) </span><span class=\"S139A SA7 S2\" id=\"tp_71\">Disposal due to sale </span><span class=\"S139B SA7 S2\" id=\"tq_71\">(1,798) </span><span class=\"S139C SA7 S2\" id=\"tr_71\">(14,993) </span><span class=\"S139D SA7 S2\" id=\"ts_71\">Foreign currency translation difference </span><span class=\"S139E SA7 S2\" id=\"tt_71\">1,901 </span><span class=\"S139F SA7 S2\" id=\"tu_71\">445 </span><span class=\"S13A0 SB S2\" id=\"tv_71\">Closing balance </span><span class=\"S13A1 SB S2\" id=\"tw_71\">61,346 </span><span class=\"S13A2 SB S2\" id=\"tx_71\">40,241 </span><span class=\"S13A3 SA7 S2\" id=\"ty_71\">The applied depreciation and amortization rates were as follows: </span><span class=\"S13A4 SB S2\" id=\"tz_71\">2022 </span><span class=\"S13A5 SB S2\" id=\"t10_71\">2021 </span><span class=\"S13A6 SA7 S2\" id=\"t11_71\">Depreciation and amortization rates </span><span class=\"S13A7 SA7 S2\" id=\"t12_71\">2.00% - 20.00% </span><span class=\"S13A8 SA7 S2\" id=\"t13_71\">1.00% - 20.00% </span><span class=\"S13A9 SA7 S2\" id=\"t14_71\">An analysis of the movement in the depreciation and amortization on investment properties is as follows: </span><span class=\"S13AA SB S2\" id=\"t15_71\">Depreciation and amortization </span><span class=\"S13AB SB S2\" id=\"t16_71\">2022 </span><span class=\"S13AC SB S2\" id=\"t17_71\">2021 </span><span class=\"S13AD SB S2\" id=\"t18_71\">Balance as at 1 January </span><span class=\"S13AE SB S2\" id=\"t19_71\">9,111 </span><span class=\"S13AF SB S2\" id=\"t1a_71\">11,383 </span><span class=\"S13B0 SA7 S2\" id=\"t1b_71\">Additions due to transfer from inventories </span><span class=\"S13B1 SA7 S2\" id=\"t1c_71\">or owner-occupied properties </span><span class=\"S13B2 SA7 S2\" id=\"t1d_71\">1,513 </span><span class=\"S13B3 SA7 S2\" id=\"t1e_71\">1,296 </span><span class=\"S13B4 SA7 S2\" id=\"t1f_71\">Charge for the period </span><span class=\"S13B5 SA7 S2\" id=\"t1g_71\">912 </span><span class=\"S13B6 SA7 S2\" id=\"t1h_71\">1,113 </span><span class=\"S13B7 SA7 S2\" id=\"t1i_71\">Transfer to inventories or owner-occupied properties </span><span class=\"S13B8 SA7 S2\" id=\"t1j_71\">(126) </span><span class=\"S13B9 SA7 S2\" id=\"t1k_71\">(236) </span><span class=\"S13BA SA7 S2\" id=\"t1l_71\">Disposal due to sale </span><span class=\"S13BB SA7 S2\" id=\"t1m_71\">(780) </span><span class=\"S13BC SA7 S2\" id=\"t1n_71\">(4,577) </span><span class=\"S13BD SA7 S2\" id=\"t1o_71\">Transfer to held-for-sale properties </span><span class=\"S13BE SA7 S2\" id=\"t1p_71\">(17) </span><span class=\"S13BF SA7 S2\" id=\"t1q_71\">- </span><span class=\"S13C0 SA7 S2\" id=\"t1r_71\">Foreign currency translation difference </span><span class=\"S13C1 SA7 S2\" id=\"t1s_71\">660 </span><span class=\"S13C2 SA7 S2\" id=\"t1t_71\">132 </span><span class=\"S13C3 SB S2\" id=\"t1u_71\">Closing balance </span><span class=\"S13C4 SB S2\" id=\"t1v_71\">11,273 </span><span class=\"S13C5 SB S2\" id=\"t1w_71\">9,111 </span><span class=\"S13C6 SA7 S2\" id=\"t1x_71\">An analysis of the movement in the impairment on investment properties is as follows: </span><span class=\"S13C7 SB S2\" id=\"t1y_71\">Impairment </span><span class=\"S13C8 SB S2\" id=\"t1z_71\">2022 </span><span class=\"S13C9 SB S2\" id=\"t20_71\">2021 </span><span class=\"S13CA SB S2\" id=\"t21_71\">Balance as at 1 January </span><span class=\"S13CB SB S2\" id=\"t22_71\">1,248 </span><span class=\"S13CC SB S2\" id=\"t23_71\">4,170 </span><span class=\"S13CD SA7 S2\" id=\"t24_71\">Impairment for the period </span><span class=\"S13CE SA7 S2\" id=\"t25_71\">1,389 </span><span class=\"S13CF SA7 S2\" id=\"t26_71\">54 </span><span class=\"S13D0 SA7 S2\" id=\"t27_71\">Release of impairment for the period </span><span class=\"S13D1 SA7 S2\" id=\"t28_71\">(63) </span><span class=\"S13D2 SA7 S2\" id=\"t29_71\">(297) </span><span class=\"S13D3 SA7 S2\" id=\"t2a_71\">Use of impairment </span><span class=\"S13D4 SA7 S2\" id=\"t2b_71\">(40) </span><span class=\"S13D5 SA7 S2\" id=\"t2c_71\">(2,726) </span><span class=\"S13D6 SA7 S2\" id=\"t2d_71\">Decrease due to transfer to inventories </span><span class=\"S13D7 SA7 S2\" id=\"t2e_71\">or owner-occupied properties </span><span class=\"S13D8 SA7 S2\" id=\"t2f_71\">(8) </span><span class=\"S13D9 SA7 S2\" id=\"t2g_71\">- </span><span class=\"S13DA SA7 S2\" id=\"t2h_71\">Foreign currency translation difference </span><span class=\"S13DB SA7 S2\" id=\"t2i_71\">95 </span><span class=\"S13DC SA7 S2\" id=\"t2j_71\">47 </span><span class=\"S13DD SB S2\" id=\"t2k_71\">Closing balance </span><span class=\"S13DE SB S2\" id=\"t2l_71\">2,621 </span><span class=\"S13DF SB S2\" id=\"t2m_71\">1,248 </span><span class=\"SFA4 SB S2\" id=\"t3_72\">NOTE 14: </span><span class=\"S13E0 SB S2\" id=\"t4_72\">INVESTMENT PROPERTIES (in HUF mn) [continued] </span><span class=\"S13E1 SB S2\" id=\"t5_72\">Carrying values </span><span class=\"SEDF SB S2\" id=\"t6_72\">2022 </span><span class=\"SEE0 SB S2\" id=\"t7_72\">2021 </span><span class=\"S13E2 SB S2\" id=\"t8_72\">Balance as at 1 January </span><span class=\"S13E3 SB S2\" id=\"t9_72\">29,882 </span><span class=\"S13E4 SB S2\" id=\"ta_72\">38,601 </span><span class=\"S13E5 SB S2\" id=\"tb_72\">Closing balance </span><span class=\"SD75 SB S2\" id=\"tc_72\">47,452 </span><span class=\"SD76 SB S2\" id=\"td_72\">29,882 </span><span class=\"S13E6 SB S2\" id=\"te_72\">Fair values </span><span class=\"S13E7 SB S2\" id=\"tf_72\">61,198 </span><span class=\"S13E8 SB S2\" id=\"tg_72\">34,257 </span><span class=\"S13E9 SA7 S2\" id=\"th_72\">The Group chose the cost model for measuring investment properties but estimates and reviews the fair value of </span><span class=\"S13EA SA7 S2\" id=\"ti_72\">the investment properties by external experts, these investment properties would have been presented on level 3 </span><span class=\"S13EB SA7 S2\" id=\"tj_72\">in the fair </span><span class=\"S13EC S5B9 S2\" id=\"tk_72\">value hierarchy if the Group didn\u2019t apply cost method for this recognition. </span><span class=\"S13ED SB S2\" id=\"tl_72\">Income and expenses </span><span class=\"S13EE SB S2\" id=\"tm_72\">2022 </span><span class=\"S13EF SB S2\" id=\"tn_72\">2021 </span><span class=\"S13F0 SA7 S2\" id=\"to_72\">Rental income </span><span class=\"S13F1 SA7 S2\" id=\"tp_72\">2,511 </span><span class=\"S13F2 SA7 S2\" id=\"tq_72\">2,621 </span><span class=\"S13F3 SA7 S2\" id=\"tr_72\">Direct operating expenses of investment properties </span><span class=\"S13F4 S5B9 S2\" id=\"ts_72\">\u2013 </span><span class=\"S13F5 SA7 S2\" id=\"tt_72\">income generating </span><span class=\"S13F6 SA7 S2\" id=\"tu_72\">426 </span><span class=\"S13F7 SA7 S2\" id=\"tv_72\">318 </span><span class=\"S13F8 SA7 S2\" id=\"tw_72\">Direct operating expenses of investment properties </span><span class=\"S13F9 S5B9 S2\" id=\"tx_72\">\u2013 </span><span class=\"S13FA SA7 S2\" id=\"ty_72\">non income generating </span><span class=\"S13FB SA7 S2\" id=\"tz_72\">82 </span><span class=\"S13FC SA7 S2\" id=\"t10_72\">14 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7034": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_74\">NOTE 16: </span><span class=\"S140F SB S2\" id=\"t4_74\">OTHER ASSETS (in HUF mn) </span><span class=\"S1410 SA7 S2\" id=\"t5_74\">Other assets are expected to be recovered or settled no more than twelve months after the reporting period. </span><span class=\"S1400 SB S2\" id=\"t6_74\">2022 </span><span class=\"S1401 SB S2\" id=\"t7_74\">2021 </span><span class=\"S1411 SB S2\" id=\"t8_74\">Other financial assets </span><span class=\"S1412 SA7 S2\" id=\"t9_74\">Receivables from card operations </span><span class=\"S1404 SA7 S2\" id=\"ta_74\">67,981 </span><span class=\"S1413 SA7 S2\" id=\"tb_74\">27,820 </span><span class=\"S1414 SA7 S2\" id=\"tc_74\">Prepayments and accrued income on other financial assets </span><span class=\"S1415 SA7 S2\" id=\"td_74\">29,284 </span><span class=\"S1416 SA7 S2\" id=\"te_74\">27,778 </span><span class=\"S1417 SA7 S2\" id=\"tf_74\">Trade receivables </span><span class=\"S140A SA7 S2\" id=\"tg_74\">37,777 </span><span class=\"S140B SA7 S2\" id=\"th_74\">24,951 </span><span class=\"S1418 SA7 S2\" id=\"ti_74\">Receivables from investment services </span><span class=\"S140D SA7 S2\" id=\"tj_74\">57,189 </span><span class=\"S140E SA7 S2\" id=\"tk_74\">15,077 </span><span class=\"S1419 SA7 S2\" id=\"tl_74\">Other advances </span><span class=\"S141A SA7 S2\" id=\"tm_74\">19,652 </span><span class=\"S141B SA7 S2\" id=\"tn_74\">21,043 </span><span class=\"S141C SA7 S2\" id=\"to_74\">Stock exchange deals </span><span class=\"S1069 SA7 S2\" id=\"tp_74\">31,234 </span><span class=\"S141D SA7 S2\" id=\"tq_74\">12,255 </span><span class=\"S141E SA7 S2\" id=\"tr_74\">Giro clearing accounts </span><span class=\"S141F SA7 S2\" id=\"ts_74\">12,593 </span><span class=\"S1420 SA7 S2\" id=\"tt_74\">2,635 </span><span class=\"S1421 SA7 S2\" id=\"tu_74\">Receivables due from pension funds and investment funds </span><span class=\"S1422 SA7 S2\" id=\"tv_74\">6,478 </span><span class=\"S1423 SA7 S2\" id=\"tw_74\">3,250 </span><span class=\"S1424 SA7 S2\" id=\"tx_74\">Receivables from leasing activities </span><span class=\"S1425 SA7 S2\" id=\"ty_74\">1,778 </span><span class=\"S1074 SA7 S2\" id=\"tz_74\">363 </span><span class=\"S1426 SA7 S2\" id=\"t10_74\">Advances for securities and investments </span><span class=\"S1427 SA7 S2\" id=\"t11_74\">358 </span><span class=\"S1428 SA7 S2\" id=\"t12_74\">525 </span><span class=\"S1429 SA7 S2\" id=\"t13_74\">Other financial assets </span><span class=\"S142A SA7 S2\" id=\"t14_74\">30,490 </span><span class=\"S142B SA7 S2\" id=\"t15_74\">17,019 </span><span class=\"S142C SA7 S2\" id=\"t16_74\">Loss allowance on other financial assets </span><span class=\"S142D SA7 S2\" id=\"t17_74\">(31,833) </span><span class=\"S142E SA7 S2\" id=\"t18_74\">(16,800) </span><span class=\"S142F SB S2\" id=\"t19_74\">Total </span><span class=\"S1430 SB S2\" id=\"t1a_74\">262,981 </span><span class=\"S1431 SB S2\" id=\"t1b_74\">135,916 </span><span class=\"S1432 SB S2\" id=\"t1c_74\">Other non-financial assets </span><span class=\"S1433 SB S2\" id=\"t1d_74\">2022 </span><span class=\"S1434 SB S2\" id=\"t1e_74\">2021 </span><span class=\"S1435 SA7 S2\" id=\"t1f_74\">Prepayments and accrued income on other non-financial assets </span><span class=\"S1436 SA7 S2\" id=\"t1g_74\">62,878 </span><span class=\"S1437 SA7 S2\" id=\"t1h_74\">46,418 </span><span class=\"S1438 SA7 S2\" id=\"t1i_74\">Receivables, subsidies from the State, Government </span><span class=\"S1439 SA7 S2\" id=\"t1j_74\">23,383 </span><span class=\"S143A SA7 S2\" id=\"t1k_74\">15,800 </span><span class=\"S143B SA7 S2\" id=\"t1l_74\">Settlement and suspense accounts </span><span class=\"S143C SA7 S2\" id=\"t1m_74\">40,066 </span><span class=\"S143D SA7 S2\" id=\"t1n_74\">14,974 </span><span class=\"S143E SA7 S2\" id=\"t1o_74\">Biological assets and agricultural produce </span><span class=\"S143F SA7 S2\" id=\"t1p_74\">8,366 </span><span class=\"S1440 SA7 S2\" id=\"t1q_74\">5,193 </span><span class=\"S1441 SA7 S2\" id=\"t1r_74\">Other non-financial assets </span><span class=\"S1442 SA7 S2\" id=\"t1s_74\">27,963 </span><span class=\"S1443 SA7 S2\" id=\"t1t_74\">15,495 </span><span class=\"S1444 SA7 S2\" id=\"t1u_74\">Impairment on other non-financial assets </span><span class=\"S1445 SA7 S2\" id=\"t1v_74\">(7,041) </span><span class=\"S1446 SA7 S2\" id=\"t1w_74\">(4,413) </span><span class=\"S1447 SB S2\" id=\"t1x_74\">Total </span><span class=\"S1448 SB S2\" id=\"t1y_74\">155,615 </span><span class=\"S1449 SB S2\" id=\"t1z_74\">93,467 </span><span class=\"S144A SB S2\" id=\"t20_74\">Other assets (under IAS 2) </span><span class=\"S144B SB S2\" id=\"t21_74\">2022 </span><span class=\"S144C SB S2\" id=\"t22_74\">2021 </span><span class=\"S144D SA7 S2\" id=\"t23_74\">Inventories </span><span class=\"S144E SA7 S2\" id=\"t24_74\">48,210 </span><span class=\"S144F SA7 S2\" id=\"t25_74\">43,843 </span><span class=\"S1450 SA7 S2\" id=\"t26_74\">Repossessed real estate </span><span class=\"S1451 SA7 S2\" id=\"t27_74\">6,985 </span><span class=\"S1452 SA7 S2\" id=\"t28_74\">6,354 </span><span class=\"S1453 SA7 S2\" id=\"t29_74\">Repossessed other non-financial assets </span><span class=\"S1454 SA7 S2\" id=\"t2a_74\">1,192 </span><span class=\"S1455 SA7 S2\" id=\"t2b_74\">1,069 </span><span class=\"S1456 SA7 S2\" id=\"t2c_74\">Write-down of the assets measured under IAS 2 </span><span class=\"S1457 SA7 S2\" id=\"t2d_74\">(3,864) </span><span class=\"S1458 SA7 S2\" id=\"t2e_74\">(3,864) </span><span class=\"S1459 SB S2\" id=\"t2f_74\">Total </span><span class=\"S145A SB S2\" id=\"t2g_74\">52,523 </span><span class=\"S145B SB S2\" id=\"t2h_74\">47,402 </span><span class=\"S145C SB S2\" id=\"t2i_74\">Total other assets </span><span class=\"S145D SB S2\" id=\"t2j_74\">471,119 </span><span class=\"S145E SB S2\" id=\"t2k_74\">276,785 </span><span class=\"SFA4 SB S2\" id=\"t3_75\">NOTE 16: </span><span class=\"S145F SB S2\" id=\"t4_75\">OTHER ASSETS (in HUF mn) [continued] </span><span class=\"SCBE SA7 S2\" id=\"t5_75\">An analysis of the movement in the loss allowance on </span><span class=\"S1460 SB S2\" id=\"t6_75\">other financial assets </span><span class=\"S1461 SA7 S2\" id=\"t7_75\">is as follows: </span><span class=\"S1400 SB S2\" id=\"t8_75\">2022 </span><span class=\"S1401 SB S2\" id=\"t9_75\">2021 </span><span class=\"S1462 SB S2\" id=\"ta_75\">Balance as at 1 January </span><span class=\"S1463 SB S2\" id=\"tb_75\">16,800 </span><span class=\"S1464 SB S2\" id=\"tc_75\">18,459 </span><span class=\"S1465 SA7 S2\" id=\"td_75\">Loss allowance for the period </span><span class=\"S1404 SA7 S2\" id=\"te_75\">22,472 </span><span class=\"S1405 SA7 S2\" id=\"tf_75\">8,569 </span><span class=\"S1466 SA7 S2\" id=\"tg_75\">Release of allowance for the period </span><span class=\"S1467 SA7 S2\" id=\"th_75\">(8,917) </span><span class=\"S1468 SA7 S2\" id=\"ti_75\">(6,903) </span><span class=\"S1469 SA7 S2\" id=\"tj_75\">Use of loss allowance </span><span class=\"S146A SA7 S2\" id=\"tk_75\">(2,083) </span><span class=\"S146B SA7 S2\" id=\"tl_75\">(3,767) </span><span class=\"S146C SA7 S2\" id=\"tm_75\">Reclassification </span><span class=\"S146D SA7 S2\" id=\"tn_75\">253 </span><span class=\"S146E SA7 S2\" id=\"to_75\">- </span><span class=\"S146F SA7 S2\" id=\"tp_75\">Foreign currency translation difference </span><span class=\"S1470 SA7 S2\" id=\"tq_75\">3,308 </span><span class=\"S1471 SA7 S2\" id=\"tr_75\">442 </span><span class=\"S1472 SB S2\" id=\"ts_75\">Closing balance </span><span class=\"S1069 SB S2\" id=\"tt_75\">31,833 </span><span class=\"S141D SB S2\" id=\"tu_75\">16,800 </span><span class=\"S1473 SA7 S2\" id=\"tv_75\">An analysis of the movement in the impairment on </span><span class=\"S1474 SB S2\" id=\"tw_75\">other non-financial assets </span><span class=\"S1475 SA7 S2\" id=\"tx_75\">is as follows: </span><span class=\"S1476 SB S2\" id=\"ty_75\">2022 </span><span class=\"S1477 SB S2\" id=\"tz_75\">2021 </span><span class=\"S1478 SB S2\" id=\"t10_75\">Balance as at 1 January </span><span class=\"S1479 SB S2\" id=\"t11_75\">4,413 </span><span class=\"S147A SB S2\" id=\"t12_75\">4,699 </span><span class=\"S147B SA7 S2\" id=\"t13_75\">Impairment for the period </span><span class=\"S147C SA7 S2\" id=\"t14_75\">3,304 </span><span class=\"S147D SA7 S2\" id=\"t15_75\">949 </span><span class=\"S147E SA7 S2\" id=\"t16_75\">Release of impairment for the period </span><span class=\"S147F SA7 S2\" id=\"t17_75\">(647) </span><span class=\"S1480 SA7 S2\" id=\"t18_75\">(653) </span><span class=\"S1481 SA7 S2\" id=\"t19_75\">Use of impairment </span><span class=\"S1482 SA7 S2\" id=\"t1a_75\">(324) </span><span class=\"S1483 SA7 S2\" id=\"t1b_75\">(751) </span><span class=\"S1484 SA7 S2\" id=\"t1c_75\">Reclassification </span><span class=\"S1485 SA7 S2\" id=\"t1d_75\">(253) </span><span class=\"S1486 SA7 S2\" id=\"t1e_75\">- </span><span class=\"S1487 SA7 S2\" id=\"t1f_75\">Foreign currency translation difference </span><span class=\"S1488 SA7 S2\" id=\"t1g_75\">548 </span><span class=\"S1489 SA7 S2\" id=\"t1h_75\">169 </span><span class=\"S148A SB S2\" id=\"t1i_75\">Closing balance </span><span class=\"S148B SB S2\" id=\"t1j_75\">7,041 </span><span class=\"S148C SB S2\" id=\"t1k_75\">4,413 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7036": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_74\">NOTE 16: </span><span class=\"S140F SB S2\" id=\"t4_74\">OTHER ASSETS (in HUF mn) </span><span class=\"S1410 SA7 S2\" id=\"t5_74\">Other assets are expected to be recovered or settled no more than twelve months after the reporting period. </span><span class=\"S1400 SB S2\" id=\"t6_74\">2022 </span><span class=\"S1401 SB S2\" id=\"t7_74\">2021 </span><span class=\"S1411 SB S2\" id=\"t8_74\">Other financial assets </span><span class=\"S1412 SA7 S2\" id=\"t9_74\">Receivables from card operations </span><span class=\"S1404 SA7 S2\" id=\"ta_74\">67,981 </span><span class=\"S1413 SA7 S2\" id=\"tb_74\">27,820 </span><span class=\"S1414 SA7 S2\" id=\"tc_74\">Prepayments and accrued income on other financial assets </span><span class=\"S1415 SA7 S2\" id=\"td_74\">29,284 </span><span class=\"S1416 SA7 S2\" id=\"te_74\">27,778 </span><span class=\"S1417 SA7 S2\" id=\"tf_74\">Trade receivables </span><span class=\"S140A SA7 S2\" id=\"tg_74\">37,777 </span><span class=\"S140B SA7 S2\" id=\"th_74\">24,951 </span><span class=\"S1418 SA7 S2\" id=\"ti_74\">Receivables from investment services </span><span class=\"S140D SA7 S2\" id=\"tj_74\">57,189 </span><span class=\"S140E SA7 S2\" id=\"tk_74\">15,077 </span><span class=\"S1419 SA7 S2\" id=\"tl_74\">Other advances </span><span class=\"S141A SA7 S2\" id=\"tm_74\">19,652 </span><span class=\"S141B SA7 S2\" id=\"tn_74\">21,043 </span><span class=\"S141C SA7 S2\" id=\"to_74\">Stock exchange deals </span><span class=\"S1069 SA7 S2\" id=\"tp_74\">31,234 </span><span class=\"S141D SA7 S2\" id=\"tq_74\">12,255 </span><span class=\"S141E SA7 S2\" id=\"tr_74\">Giro clearing accounts </span><span class=\"S141F SA7 S2\" id=\"ts_74\">12,593 </span><span class=\"S1420 SA7 S2\" id=\"tt_74\">2,635 </span><span class=\"S1421 SA7 S2\" id=\"tu_74\">Receivables due from pension funds and investment funds </span><span class=\"S1422 SA7 S2\" id=\"tv_74\">6,478 </span><span class=\"S1423 SA7 S2\" id=\"tw_74\">3,250 </span><span class=\"S1424 SA7 S2\" id=\"tx_74\">Receivables from leasing activities </span><span class=\"S1425 SA7 S2\" id=\"ty_74\">1,778 </span><span class=\"S1074 SA7 S2\" id=\"tz_74\">363 </span><span class=\"S1426 SA7 S2\" id=\"t10_74\">Advances for securities and investments </span><span class=\"S1427 SA7 S2\" id=\"t11_74\">358 </span><span class=\"S1428 SA7 S2\" id=\"t12_74\">525 </span><span class=\"S1429 SA7 S2\" id=\"t13_74\">Other financial assets </span><span class=\"S142A SA7 S2\" id=\"t14_74\">30,490 </span><span class=\"S142B SA7 S2\" id=\"t15_74\">17,019 </span><span class=\"S142C SA7 S2\" id=\"t16_74\">Loss allowance on other financial assets </span><span class=\"S142D SA7 S2\" id=\"t17_74\">(31,833) </span><span class=\"S142E SA7 S2\" id=\"t18_74\">(16,800) </span><span class=\"S142F SB S2\" id=\"t19_74\">Total </span><span class=\"S1430 SB S2\" id=\"t1a_74\">262,981 </span><span class=\"S1431 SB S2\" id=\"t1b_74\">135,916 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7082": {
   "value": "<span class=\"S1432 SB S2\" id=\"t1c_74\">Other non-financial assets </span><span class=\"S1433 SB S2\" id=\"t1d_74\">2022 </span><span class=\"S1434 SB S2\" id=\"t1e_74\">2021 </span><span class=\"S1435 SA7 S2\" id=\"t1f_74\">Prepayments and accrued income on other non-financial assets </span><span class=\"S1436 SA7 S2\" id=\"t1g_74\">62,878 </span><span class=\"S1437 SA7 S2\" id=\"t1h_74\">46,418 </span><span class=\"S1438 SA7 S2\" id=\"t1i_74\">Receivables, subsidies from the State, Government </span><span class=\"S1439 SA7 S2\" id=\"t1j_74\">23,383 </span><span class=\"S143A SA7 S2\" id=\"t1k_74\">15,800 </span><span class=\"S143B SA7 S2\" id=\"t1l_74\">Settlement and suspense accounts </span><span class=\"S143C SA7 S2\" id=\"t1m_74\">40,066 </span><span class=\"S143D SA7 S2\" id=\"t1n_74\">14,974 </span><span class=\"S143E SA7 S2\" id=\"t1o_74\">Biological assets and agricultural produce </span><span class=\"S143F SA7 S2\" id=\"t1p_74\">8,366 </span><span class=\"S1440 SA7 S2\" id=\"t1q_74\">5,193 </span><span class=\"S1441 SA7 S2\" id=\"t1r_74\">Other non-financial assets </span><span class=\"S1442 SA7 S2\" id=\"t1s_74\">27,963 </span><span class=\"S1443 SA7 S2\" id=\"t1t_74\">15,495 </span><span class=\"S1444 SA7 S2\" id=\"t1u_74\">Impairment on other non-financial assets </span><span class=\"S1445 SA7 S2\" id=\"t1v_74\">(7,041) </span><span class=\"S1446 SA7 S2\" id=\"t1w_74\">(4,413) </span><span class=\"S1447 SB S2\" id=\"t1x_74\">Total </span><span class=\"S1448 SB S2\" id=\"t1y_74\">155,615 </span><span class=\"S1449 SB S2\" id=\"t1z_74\">93,467 </span><span class=\"SFA4 SB S2\" id=\"t3_103\">NOTE 34: </span><span class=\"S1BAC SB S2\" id=\"t4_103\">OTHER OPERATING INCOME AND EXPENSES AND OTHER ADMINISTRATIVE </span><span class=\"S1BAD SB S2\" id=\"t5_103\">EXPENSES (in HUF mn) </span><span class=\"S1BAE SB S2\" id=\"t6_103\">Other operating income </span><span class=\"S1053 SB S2\" id=\"t7_103\">2022 </span><span class=\"S1054 SB S2\" id=\"t8_103\">2021 </span><span class=\"S1BAF SA7 S2\" id=\"t9_103\">Income from agricultural activity </span><span class=\"S17DA SA7 S2\" id=\"ta_103\">62,809 </span><span class=\"S17DB SA7 S2\" id=\"tb_103\">42,526 </span><span class=\"S1BB0 SA7 S2\" id=\"tc_103\">Income from tourism activity </span><span class=\"S1788 SA7 S2\" id=\"td_103\">23,197 </span><span class=\"S1BB1 SA7 S2\" id=\"te_103\">8,588 </span><span class=\"S1BB2 SA7 S2\" id=\"tf_103\">Gains on transactions related to property activities </span><span class=\"S178B SA7 S2\" id=\"tg_103\">5,269 </span><span class=\"S178C SA7 S2\" id=\"th_103\">6,424 </span><span class=\"S178D SA7 S2\" id=\"ti_103\">Rental income </span><span class=\"S1BB3 SA7 S2\" id=\"tj_103\">2,175 </span><span class=\"S1BB4 SA7 S2\" id=\"tk_103\">2,132 </span><span class=\"S1BB5 SA7 S2\" id=\"tl_103\">Income from computer programming </span><span class=\"S1BB6 SA7 S2\" id=\"tm_103\">1,250 </span><span class=\"S1BB7 SA7 S2\" id=\"tn_103\">1,113 </span><span class=\"S1BB8 SA7 S2\" id=\"to_103\">Fair value adjustment of biological assets and agricultural produce </span><span class=\"S1BB9 SA7 S2\" id=\"tp_103\">(1,939) </span><span class=\"S1BBA SA7 S2\" id=\"tq_103\">(2,551) </span><span class=\"S1BBB SA7 S2\" id=\"tr_103\">Income from written-of receivable </span><span class=\"S17E4 SA7 S2\" id=\"ts_103\">3,727 </span><span class=\"S1BBC SA7 S2\" id=\"tt_103\">3,577 </span><span class=\"S1BBD SA7 S2\" id=\"tu_103\">Income from air passenger transport </span><span class=\"S17E7 SA7 S2\" id=\"tv_103\">1,863 </span><span class=\"S1BBE SA7 S2\" id=\"tw_103\">762 </span><span class=\"S1BBF SA7 S2\" id=\"tx_103\">Gains on transactions related to insurance activity </span><span class=\"S1BC0 SA7 S2\" id=\"ty_103\">1,369 </span><span class=\"S1BC1 SA7 S2\" id=\"tz_103\">657 </span><span class=\"S1BC2 SA7 S2\" id=\"t10_103\">Non-repayable assets received </span><span class=\"S17EB SA7 S2\" id=\"t11_103\">447 </span><span class=\"S1BC3 SA7 S2\" id=\"t12_103\">165 </span><span class=\"S1BC4 SA7 S2\" id=\"t13_103\">Negative goodwill due to acquisition </span><span class=\"S1425 SA7 S2\" id=\"t14_103\">3,784 </span><span class=\"S1BC5 SA7 S2\" id=\"t15_103\">31 </span><span class=\"S1BC6 SA7 S2\" id=\"t16_103\">Other income from non-financial activities </span><span class=\"S1076 SA7 S2\" id=\"t17_103\">21,464 </span><span class=\"S1077 SA7 S2\" id=\"t18_103\">17,904 </span><span class=\"S1BC7 SB S2\" id=\"t19_103\">Total </span><span class=\"S1079 SB S2\" id=\"t1a_103\">125,415 </span><span class=\"S1BC8 SB S2\" id=\"t1b_103\">81,328 </span><span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span><span class=\"S1BFB S482 S2\" id=\"t2z_103\">1 </span><span class=\"S1BFC S483 S2\" id=\"t30_103\">See details in Note 12. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBiologicalAssetsAndGovernmentGrantsForAgriculturalActivityExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7107": {
   "value": "<span class=\"S144A SB S2\" id=\"t20_74\">Other assets (under IAS 2) </span><span class=\"S144B SB S2\" id=\"t21_74\">2022 </span><span class=\"S144C SB S2\" id=\"t22_74\">2021 </span><span class=\"S144D SA7 S2\" id=\"t23_74\">Inventories </span><span class=\"S144E SA7 S2\" id=\"t24_74\">48,210 </span><span class=\"S144F SA7 S2\" id=\"t25_74\">43,843 </span><span class=\"S1450 SA7 S2\" id=\"t26_74\">Repossessed real estate </span><span class=\"S1451 SA7 S2\" id=\"t27_74\">6,985 </span><span class=\"S1452 SA7 S2\" id=\"t28_74\">6,354 </span><span class=\"S1453 SA7 S2\" id=\"t29_74\">Repossessed other non-financial assets </span><span class=\"S1454 SA7 S2\" id=\"t2a_74\">1,192 </span><span class=\"S1455 SA7 S2\" id=\"t2b_74\">1,069 </span><span class=\"S1456 SA7 S2\" id=\"t2c_74\">Write-down of the assets measured under IAS 2 </span><span class=\"S1457 SA7 S2\" id=\"t2d_74\">(3,864) </span><span class=\"S1458 SA7 S2\" id=\"t2e_74\">(3,864) </span><span class=\"S1459 SB S2\" id=\"t2f_74\">Total </span><span class=\"S145A SB S2\" id=\"t2g_74\">52,523 </span><span class=\"S145B SB S2\" id=\"t2h_74\">47,402 </span><span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span><span class=\"S1BFB S482 S2\" id=\"t2z_103\">1 </span>See details in Note 12",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInventoriesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7199": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_76\">NOTE 17: </span><span class=\"SD6F SB S2\" id=\"t4_76\">AMOUNTS DUE TO BANKS, THE NATIONAL GOVERNMENTS, DEPOSITS FROM </span><span class=\"S148D SB S2\" id=\"t5_76\">THE NATIONAL BANKS AND OTHER BANKS (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t6_76\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_76\">2021 </span><span class=\"SDFB SA7 S2\" id=\"t8_76\">Within one year </span><span class=\"SD74 SA7 S2\" id=\"t9_76\">In HUF </span><span class=\"S148E SA7 S2\" id=\"ta_76\">369,015 </span><span class=\"S148F SA7 S2\" id=\"tb_76\">277,397 </span><span class=\"SD77 SA7 S2\" id=\"tc_76\">In foreign currency </span><span class=\"SD78 SA7 S2\" id=\"td_76\">218,611 </span><span class=\"SD79 SA7 S2\" id=\"te_76\">225,398 </span><span class=\"SD7A SB S2\" id=\"tf_76\">587,626 </span><span class=\"SD7B SB S2\" id=\"tg_76\">502,795 </span><span class=\"SE01 SA7 S2\" id=\"th_76\">Over one year </span><span class=\"SE02 SA7 S2\" id=\"ti_76\">In HUF </span><span class=\"S1490 SA7 S2\" id=\"tj_76\">689,579 </span><span class=\"S1491 SA7 S2\" id=\"tk_76\">900,948 </span><span class=\"SE05 SA7 S2\" id=\"tl_76\">In foreign currency </span><span class=\"S1492 SA7 S2\" id=\"tm_76\">185,953 </span><span class=\"S1493 SA7 S2\" id=\"tn_76\">163,605 </span><span class=\"S1494 SB S2\" id=\"to_76\">875,532 </span><span class=\"S101E SB S2\" id=\"tp_76\">1,064,553 </span><span class=\"S1495 SB S2\" id=\"tq_76\">Total </span><span class=\"S1496 SB S2\" id=\"tr_76\">1,463,158 </span><span class=\"S1497 SB S2\" id=\"ts_76\">1,567,348 </span><span class=\"S1498 SA7 S2\" id=\"tt_76\">Interest rates on amounts due to banks, the National Governments, deposits from the National Banks and other </span><span class=\"S1499 SA7 S2\" id=\"tu_76\">banks are as follows: </span><span class=\"S149A SB S2\" id=\"tv_76\">2022 </span><span class=\"S149B SB S2\" id=\"tw_76\">2021 </span><span class=\"S149C SA7 S2\" id=\"tx_76\">Within one year </span><span class=\"S149D SA7 S2\" id=\"ty_76\">In HUF </span><span class=\"S149E SA7 S2\" id=\"tz_76\">(2.40)% - 18.00% </span><span class=\"S149F SA7 S2\" id=\"t10_76\">(2.04)% - 4.66% </span><span class=\"S14A0 SA7 S2\" id=\"t11_76\">In foreign currency </span><span class=\"S14A1 SE8B S2\" id=\"t12_76\">1 </span><span class=\"S14A2 SA7 S2\" id=\"t13_76\">(2.32)% - 12.00% </span><span class=\"S14A3 SA7 S2\" id=\"t14_76\">(2.40)% - 17.60% </span><span class=\"S14A4 SA7 S2\" id=\"t15_76\">Over one year </span><span class=\"S14A5 SA7 S2\" id=\"t16_76\">In HUF </span><span class=\"S14A6 SA7 S2\" id=\"t17_76\">(2.40)% - 9.23% </span><span class=\"S14A7 SA7 S2\" id=\"t18_76\">(2.40)% - 4.66% </span><span class=\"S14A8 SA7 S2\" id=\"t19_76\">In foreign currency </span><span class=\"S14A9 SE8B S2\" id=\"t1a_76\">1 </span><span class=\"S14AA SA7 S2\" id=\"t1b_76\">(2.40)% - 13.76% </span><span class=\"S14AB SA7 S2\" id=\"t1c_76\">(2.40)% - 12.00% </span><span class=\"S14AC S482 S2\" id=\"t1d_76\">1 </span><span class=\"S14AD S483 S2\" id=\"t1e_76\">The highest interest rates for due to banks denominated in foreign exchange relate to loans taken from EBRD and Green for Growth Fund in </span><span class=\"S14AE S483 S2\" id=\"t1f_76\">Ukraine. </span><span class=\"S14AF SB S2\" id=\"t1g_76\">2022 </span><span class=\"S14B0 SB S2\" id=\"t1h_76\">2021 </span><span class=\"S14B1 SA7 S2\" id=\"t1i_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B2 SA7 S2\" id=\"t1j_76\">the National Governments, deposits from the </span><span class=\"S14B3 SA7 S2\" id=\"t1k_76\">National Banks and other banks denominated in HUF </span><span class=\"S14B4 SA7 S2\" id=\"t1l_76\">2.28% </span><span class=\"S14B5 SA7 S2\" id=\"t1m_76\">1.20% </span><span class=\"S14B6 SA7 S2\" id=\"t1n_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B7 SA7 S2\" id=\"t1o_76\">the National Governments, deposits from the </span><span class=\"S14B8 SA7 S2\" id=\"t1p_76\">National Banks and other banks denominated in </span><span class=\"S14B9 SA7 S2\" id=\"t1q_76\">in foreign currency </span><span class=\"S14BA SA7 S2\" id=\"t1r_76\">2.40% </span><span class=\"S14BB SA7 S2\" id=\"t1s_76\">1.49% </span><span class=\"SFA4 SB S2\" id=\"t3_77\">NOTE 18: </span><span class=\"S14BC SB S2\" id=\"t4_77\">REPO LIABILITIES (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_77\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_77\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_77\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_77\">In HUF </span><span class=\"SE32 SA7 S2\" id=\"t9_77\">29,147 </span><span class=\"SE33 SA7 S2\" id=\"ta_77\">49,726 </span><span class=\"SDC0 SA7 S2\" id=\"tb_77\">In foreign currency </span><span class=\"SE35 SA7 S2\" id=\"tc_77\">197 </span><span class=\"S10CB SA7 S2\" id=\"td_77\">29,321 </span><span class=\"S10CC SB S2\" id=\"te_77\">29,344 </span><span class=\"S10CD SB S2\" id=\"tf_77\">79,047 </span><span class=\"SDC5 SA7 S2\" id=\"tg_77\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_77\">In HUF </span><span class=\"SE3E SA7 S2\" id=\"ti_77\">96 </span><span class=\"S14BD SA7 S2\" id=\"tj_77\">- </span><span class=\"SDC9 SA7 S2\" id=\"tk_77\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_77\">187,929 </span><span class=\"SFB3 SA7 S2\" id=\"tm_77\">- </span><span class=\"S14BF SB S2\" id=\"tn_77\">188,025 </span><span class=\"S14C0 SB S2\" id=\"to_77\">- </span><span class=\"S14C1 SB S2\" id=\"tp_77\">Total </span><span class=\"S14C2 SB S2\" id=\"tq_77\">217,369 </span><span class=\"S14C3 SB S2\" id=\"tr_77\">79,047 </span><span class=\"S14C4 SA7 S2\" id=\"ts_77\">Interest rates on repo liabilities are as follows: </span><span class=\"S14C5 SB S2\" id=\"tt_77\">2022 </span><span class=\"S14C6 SB S2\" id=\"tu_77\">2021 </span><span class=\"S14C7 SA7 S2\" id=\"tv_77\">Interest rates on repo liabilities </span><span class=\"S14C8 SA7 S2\" id=\"tw_77\">denominated in HUF </span><span class=\"S14C9 SA7 S2\" id=\"tx_77\">4.75% - 15.47% </span><span class=\"S14CA SA7 S2\" id=\"ty_77\">0.00% - 2.80% </span><span class=\"S14CB SA7 S2\" id=\"tz_77\">Interest rates on repo liabilities </span><span class=\"S14CC SA7 S2\" id=\"t10_77\">denominated in foreign currency </span><span class=\"S14CD SA7 S2\" id=\"t11_77\">2.47% - 5.20% </span><span class=\"S14CE SA7 S2\" id=\"t12_77\">(0.95)% - 0.00% </span><span class=\"SFA4 SB S2\" id=\"t3_79\">NOTE 20: </span><span class=\"S13FD SB S2\" id=\"t4_79\">DEPOSITS FROM CUSTOMERS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_79\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_79\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_79\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_79\">In HUF </span><span class=\"SFA7 SA7 S2\" id=\"t9_79\">7,910,448 </span><span class=\"SFA8 SA7 S2\" id=\"ta_79\">7,829,595 </span><span class=\"SDC0 SA7 S2\" id=\"tb_79\">In foreign currency </span><span class=\"S14FE SA7 S2\" id=\"tc_79\">16,757,984 </span><span class=\"S14FF SA7 S2\" id=\"td_79\">12,758,360 </span><span class=\"S1500 SB S2\" id=\"te_79\">24,668,432 </span><span class=\"S1501 SB S2\" id=\"tf_79\">20,587,955 </span><span class=\"SDC5 SA7 S2\" id=\"tg_79\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_79\">In HUF </span><span class=\"S1502 SA7 S2\" id=\"ti_79\">274,217 </span><span class=\"SDC8 SA7 S2\" id=\"tj_79\">293,606 </span><span class=\"SDC9 SA7 S2\" id=\"tk_79\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_79\">246,156 </span><span class=\"S1503 SA7 S2\" id=\"tm_79\">187,083 </span><span class=\"S14BF SB S2\" id=\"tn_79\">520,373 </span><span class=\"SDCD SB S2\" id=\"to_79\">480,689 </span><span class=\"S14C1 SB S2\" id=\"tp_79\">Total </span><span class=\"S1504 SB S2\" id=\"tq_79\">25,188,805 </span><span class=\"S1505 SB S2\" id=\"tr_79\">21,068,644 </span><span class=\"S1506 SA7 S2\" id=\"ts_79\">Interest rates on deposits from customers are as follows: </span><span class=\"S1507 SB S2\" id=\"tt_79\">2022 </span><span class=\"S1508 SB S2\" id=\"tu_79\">2021 </span><span class=\"S1509 SA7 S2\" id=\"tv_79\">Within one year </span><span class=\"S150A SA7 S2\" id=\"tw_79\">In HUF </span><span class=\"S150B SA7 S2\" id=\"tx_79\">0.00% - 17.95% </span><span class=\"S150C SA7 S2\" id=\"ty_79\">(2.48)% - 7.96% </span><span class=\"S150D SA7 S2\" id=\"tz_79\">In foreign currency </span><span class=\"S150E SE8B S2\" id=\"t10_79\">1 </span><span class=\"S150F SA7 S2\" id=\"t11_79\">(0.40)% - 45.10% </span><span class=\"S1510 SA7 S2\" id=\"t12_79\">(1.01)% - 17.20% </span><span class=\"S1511 SA7 S2\" id=\"t13_79\">Over one year </span><span class=\"S1512 SA7 S2\" id=\"t14_79\">In HUF </span><span class=\"S1513 SA7 S2\" id=\"t15_79\">0.00%- 13.00% </span><span class=\"S1514 SA7 S2\" id=\"t16_79\">0.01% - 3.00% </span><span class=\"SFC4 SA7 S2\" id=\"t17_79\">In foreign currency </span><span class=\"S1515 SA7 S2\" id=\"t18_79\">0.00% - 18.00% </span><span class=\"S1516 SA7 S2\" id=\"t19_79\">0.00% - 8.90% </span><span class=\"S1517 S482 S2\" id=\"t1a_79\">1 </span><span class=\"S1518 S483 S2\" id=\"t1b_79\">The highest interest rate regarding within-one-year deposits in foreign currency for the current and previous year relate to treasury deposit in </span><span class=\"S1519 S483 S2\" id=\"t1c_79\">Turkish lira in Hungary. </span><span class=\"S151A SB S2\" id=\"t1d_79\">2022 </span><span class=\"S151B SB S2\" id=\"t1e_79\">2021 </span><span class=\"S151C SA7 S2\" id=\"t1f_79\">Average interest rates on deposits from customers </span><span class=\"S151D SA7 S2\" id=\"t1g_79\">denominated in HUF </span><span class=\"S151E SA7 S2\" id=\"t1h_79\">2.21% </span><span class=\"S151F SA7 S2\" id=\"t1i_79\">0.18% </span><span class=\"S1520 SA7 S2\" id=\"t1j_79\">Average interest rates on deposits from customers </span><span class=\"S1521 SA7 S2\" id=\"t1k_79\">denominated in foreign currency </span><span class=\"S1522 SA7 S2\" id=\"t1l_79\">0.68% </span><span class=\"S1523 SA7 S2\" id=\"t1m_79\">0.34% </span><span class=\"S1524 SA7 S2\" id=\"t1n_79\">An analysis of deposits from customers by type is as follows: </span><span class=\"S1525 SB S2\" id=\"t1o_79\">2022 </span><span class=\"S1526 SB S2\" id=\"t1p_79\">2021 </span><span class=\"S1527 SA7 S2\" id=\"t1q_79\">Retail deposits </span><span class=\"S1528 SA7 S2\" id=\"t1r_79\">13,739,669 </span><span class=\"S1529 SA7 S2\" id=\"t1s_79\">54.55% </span><span class=\"S152A SA7 S2\" id=\"t1t_79\">11,982,784 </span><span class=\"S152B SA7 S2\" id=\"t1u_79\">56.88% </span><span class=\"S152C SA7 S2\" id=\"t1v_79\">Corporate deposits </span><span class=\"S152D SA7 S2\" id=\"t1w_79\">10,408,982 </span><span class=\"S152E SA7 S2\" id=\"t1x_79\">41.32% </span><span class=\"S152F SA7 S2\" id=\"t1y_79\">8,093,206 </span><span class=\"S1530 SA7 S2\" id=\"t1z_79\">38.41% </span><span class=\"S1531 SA7 S2\" id=\"t20_79\">Municipality deposits </span><span class=\"S1532 SA7 S2\" id=\"t21_79\">1,040,154 </span><span class=\"S1533 SA7 S2\" id=\"t22_79\">4.13% </span><span class=\"S1534 SA7 S2\" id=\"t23_79\">992,654 </span><span class=\"S1535 SA7 S2\" id=\"t24_79\">4.71% </span><span class=\"S1536 SB S2\" id=\"t25_79\">Total </span><span class=\"S1537 SB S2\" id=\"t26_79\">25,188,805 </span><span class=\"S1538 SB S2\" id=\"t27_79\">100.00% </span><span class=\"S1539 SB S2\" id=\"t28_79\">21,068,644 </span><span class=\"S153A SB S2\" id=\"t29_79\">100.00% </span><span class=\"SFA4 SB S2\" id=\"t3_80\">NOTE 21: </span><span class=\"S153B SB S2\" id=\"t4_80\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_80\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_80\">2021 </span><span class=\"S153C SA7 S2\" id=\"t7_80\">With original maturity </span><span class=\"S153D SA7 S2\" id=\"t8_80\">Within one year </span><span class=\"S153E SA7 S2\" id=\"t9_80\">In HUF </span><span class=\"S10CA SA7 S2\" id=\"ta_80\">48,755 </span><span class=\"SE36 SA7 S2\" id=\"tb_80\">9,332 </span><span class=\"S153F SA7 S2\" id=\"tc_80\">In foreign currency </span><span class=\"S1540 SA7 S2\" id=\"td_80\">6,427 </span><span class=\"S1541 SA7 S2\" id=\"te_80\">13 </span><span class=\"SE3B SB S2\" id=\"tf_80\">55,182 </span><span class=\"S1542 SB S2\" id=\"tg_80\">9,345 </span><span class=\"S1543 SA7 S2\" id=\"th_80\">Over one year </span><span class=\"S1544 SA7 S2\" id=\"ti_80\">In HUF </span><span class=\"S14BF SA7 S2\" id=\"tj_80\">373,645 </span><span class=\"SDCD SA7 S2\" id=\"tk_80\">426,929 </span><span class=\"S1545 SA7 S2\" id=\"tl_80\">In foreign currency </span><span class=\"SE45 SA7 S2\" id=\"tm_80\">441,855 </span><span class=\"S1546 SA7 S2\" id=\"tn_80\">51 </span><span class=\"S14C2 SB S2\" id=\"to_80\">815,500 </span><span class=\"S1547 SB S2\" id=\"tp_80\">426,980 </span><span class=\"SDD1 SB S2\" id=\"tq_80\">Total </span><span class=\"S1548 SB S2\" id=\"tr_80\">870,682 </span><span class=\"S1549 SB S2\" id=\"ts_80\">436,325 </span><span class=\"S154A SA7 S2\" id=\"tt_80\">Interest rates on liabilities from issued securities are as follows: </span><span class=\"S154B SB S2\" id=\"tu_80\">2022 </span><span class=\"S154C SB S2\" id=\"tv_80\">2021 </span><span class=\"S154D SA7 S2\" id=\"tw_80\">Issued securities denominated in HUF </span><span class=\"S154E SA7 S2\" id=\"tx_80\">0.60% - 15.00% </span><span class=\"S154F SA7 S2\" id=\"ty_80\">0.60% - 4.26% </span><span class=\"SD91 SA7 S2\" id=\"tz_80\">Issued securities denominated in foreign currency </span><span class=\"S1550 SA7 S2\" id=\"t10_80\">0.74% - 7.35% </span><span class=\"S1514 SA7 S2\" id=\"t11_80\">0.74% - 5.00% </span><span class=\"S1551 SB S2\" id=\"t12_80\">2022 </span><span class=\"S1552 SB S2\" id=\"t13_80\">2021 </span><span class=\"S1553 SA7 S2\" id=\"t14_80\">Average interest rates on issued securities </span><span class=\"S1554 SA7 S2\" id=\"t15_80\">denominated in HUF </span><span class=\"S1555 SA7 S2\" id=\"t16_80\">5.00% </span><span class=\"S1556 SA7 S2\" id=\"t17_80\">2.20% </span><span class=\"S1557 SA7 S2\" id=\"t18_80\">Average interest rates on issued securities </span><span class=\"S1558 SA7 S2\" id=\"t19_80\">denominated in foreign currency </span><span class=\"S1559 SA7 S2\" id=\"t1a_80\">2.95% </span><span class=\"S155A SA7 S2\" id=\"t1b_80\">0.25% </span><span class=\"S6D0 SB S2\" id=\"t1c_80\">Issued securities denominated in HUF as at 31 December 2022 (in HUF mn) </span><span class=\"S155B SC43 S2\" id=\"t1d_80\">Name </span><span class=\"S155C SC43 S2\" id=\"t1e_80\">Date of issue </span><span class=\"S155D SC43 S2\" id=\"t1f_80\">Maturity </span><span class=\"S155E SC43 S2\" id=\"t1g_80\">Nominal </span><span class=\"S155F SC43 S2\" id=\"t1h_80\">value </span><span class=\"S1560 SC43 S2\" id=\"t1i_80\">Amortized </span><span class=\"S1561 SC43 S2\" id=\"t1j_80\">cost </span><span class=\"S1562 SC43 S2\" id=\"t1k_80\">Interest conditions </span><span class=\"S1563 SC43 S2\" id=\"t1l_80\">Hedged </span><span class=\"S1564 SC43 S2\" id=\"t1m_80\">(in HUF mn) </span><span class=\"S1565 SC43 S2\" id=\"t1n_80\">(in HUF mn) </span><span class=\"S1566 SC43 S2\" id=\"t1o_80\">(actual interest </span><span class=\"S1567 SC43 S2\" id=\"t1p_80\">rate in % p.a.) </span><span class=\"S1568 S483 S2\" id=\"t1q_80\">1 </span><span class=\"S1569 S483 S2\" id=\"t1r_80\">OTPX2023A </span><span class=\"S156A S483 S2\" id=\"t1s_80\">22/03/2013 </span><span class=\"S156B S483 S2\" id=\"t1t_80\">24/03/2023 </span><span class=\"S156C S483 S2\" id=\"t1u_80\">312 </span><span class=\"S156D S483 S2\" id=\"t1v_80\">410 </span><span class=\"S156E S483 S2\" id=\"t1w_80\">indexed </span><span class=\"S156F S483 S2\" id=\"t1x_80\">1.70 </span><span class=\"S1570 S483 S2\" id=\"t1y_80\">hedged </span><span class=\"S1571 S483 S2\" id=\"t1z_80\">2 </span><span class=\"S1572 S483 S2\" id=\"t20_80\">OTPX2023B </span><span class=\"S1573 S483 S2\" id=\"t21_80\">28/06/2013 </span><span class=\"S1574 S483 S2\" id=\"t22_80\">26/06/2023 </span><span class=\"S1575 S483 S2\" id=\"t23_80\">198 </span><span class=\"S1576 S483 S2\" id=\"t24_80\">260 </span><span class=\"S1577 S483 S2\" id=\"t25_80\">indexed </span><span class=\"S1578 S483 S2\" id=\"t26_80\">0.60 </span><span class=\"S1579 S483 S2\" id=\"t27_80\">hedged </span><span class=\"S157A S483 S2\" id=\"t28_80\">3 </span><span class=\"S157B S483 S2\" id=\"t29_80\">OTPX2024A </span><span class=\"S157C S483 S2\" id=\"t2a_80\">18/06/2014 </span><span class=\"S157D S483 S2\" id=\"t2b_80\">21/06/2024 </span><span class=\"S157E S483 S2\" id=\"t2c_80\">241 </span><span class=\"S157F S483 S2\" id=\"t2d_80\">310 </span><span class=\"S1580 S483 S2\" id=\"t2e_80\">indexed </span><span class=\"S1581 S483 S2\" id=\"t2f_80\">1.30 </span><span class=\"S1582 S483 S2\" id=\"t2g_80\">hedged </span><span class=\"S1583 S483 S2\" id=\"t2h_80\">4 </span><span class=\"S1584 S483 S2\" id=\"t2i_80\">OTPX2024B </span><span class=\"S1585 S483 S2\" id=\"t2j_80\">10/10/2014 </span><span class=\"S1586 S483 S2\" id=\"t2k_80\">16/10/2024 </span><span class=\"S1587 S483 S2\" id=\"t2l_80\">295 </span><span class=\"S1588 S483 S2\" id=\"t2m_80\">378 </span><span class=\"S1589 S483 S2\" id=\"t2n_80\">indexed </span><span class=\"S158A S483 S2\" id=\"t2o_80\">0.70 </span><span class=\"S158B S483 S2\" id=\"t2p_80\">hedged </span><span class=\"S158C S483 S2\" id=\"t2q_80\">5 </span><span class=\"S158D S483 S2\" id=\"t2r_80\">OTPX2024C </span><span class=\"S158E S483 S2\" id=\"t2s_80\">15/12/2014 </span><span class=\"S158F S483 S2\" id=\"t2t_80\">20/12/2024 </span><span class=\"S1590 S483 S2\" id=\"t2u_80\">242 </span><span class=\"S1591 S483 S2\" id=\"t2v_80\">309 </span><span class=\"S1592 S483 S2\" id=\"t2w_80\">indexed </span><span class=\"S1593 S483 S2\" id=\"t2x_80\">0.60 </span><span class=\"S1594 S483 S2\" id=\"t2y_80\">hedged </span><span class=\"S1595 S483 S2\" id=\"t2z_80\">6 </span><span class=\"S1596 S483 S2\" id=\"t30_80\">OTP_HUF_25/1 </span><span class=\"S1597 S483 S2\" id=\"t31_80\">18/11/2022 </span><span class=\"S1598 S483 S2\" id=\"t32_80\">18/11/2025 </span><span class=\"S1599 S483 S2\" id=\"t33_80\">25,562 </span><span class=\"S159A S483 S2\" id=\"t34_80\">26,046 </span><span class=\"S159B S483 S2\" id=\"t35_80\">fix </span><span class=\"S159C S483 S2\" id=\"t36_80\">15.00 </span><span class=\"S159D S483 S2\" id=\"t37_80\">7 </span><span class=\"S159E S483 S2\" id=\"t38_80\">OTP_HUF_26/1 </span><span class=\"S159F S483 S2\" id=\"t39_80\">22/12/2022 </span><span class=\"S15A0 S483 S2\" id=\"t3a_80\">05/01/2026 </span><span class=\"S15A1 S483 S2\" id=\"t3b_80\">10,229 </span><span class=\"S15A2 S483 S2\" id=\"t3c_80\">10,270 </span><span class=\"S15A3 S483 S2\" id=\"t3d_80\">fix </span><span class=\"S15A4 S483 S2\" id=\"t3e_80\">12.00 </span><span class=\"S15A5 S483 S2\" id=\"t3f_80\">8 </span><span class=\"S15A6 S483 S2\" id=\"t3g_80\">OTPRF2023A </span><span class=\"S15A7 S483 S2\" id=\"t3h_80\">22/03/2013 </span><span class=\"S15A8 S483 S2\" id=\"t3i_80\">24/03/2023 </span><span class=\"S15A9 S483 S2\" id=\"t3j_80\">1,010 </span><span class=\"S15AA S483 S2\" id=\"t3k_80\">1,215 </span><span class=\"S15AB S483 S2\" id=\"t3l_80\">indexed </span><span class=\"S15AC S483 S2\" id=\"t3m_80\">1.70 </span><span class=\"S15AD S483 S2\" id=\"t3n_80\">hedged </span><span class=\"S15AE SC43 S2\" id=\"t3o_80\">Subtotal </span><span class=\"S15AF SC43 S2\" id=\"t3p_80\">38,089 </span><span class=\"S15B0 SC43 S2\" id=\"t3q_80\">39,198 </span><span class=\"SFA4 SB S2\" id=\"t3_81\">NOTE 21: </span><span class=\"S13E0 SB S2\" id=\"t4_81\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"S15B1 SB S2\" id=\"t5_81\">Issued securities denominated in HUF as at 31 December 2022 (in HUF mn) [continued] </span><span class=\"S15B2 SC43 S2\" id=\"t6_81\">Name </span><span class=\"S15B3 SC43 S2\" id=\"t7_81\">Date of issue </span><span class=\"S15B4 SC43 S2\" id=\"t8_81\">Maturity </span><span class=\"S15B5 SC43 S2\" id=\"t9_81\">Nominal </span><span class=\"S15B6 SC43 S2\" id=\"ta_81\">value </span><span class=\"S15B7 SC43 S2\" id=\"tb_81\">Amortized </span><span class=\"S15B8 SC43 S2\" id=\"tc_81\">cost </span><span class=\"S15B9 SC43 S2\" id=\"td_81\">Interest conditions </span><span class=\"S15BA SC43 S2\" id=\"te_81\">Hedged </span><span class=\"S15BB SC43 S2\" id=\"tf_81\">(in HUF mn) </span><span class=\"S15BC SC43 S2\" id=\"tg_81\">(in HUF mn) </span><span class=\"S15BD SC43 S2\" id=\"th_81\">(actual interest </span><span class=\"S15BE SC43 S2\" id=\"ti_81\">rate in % p.a.) </span><span class=\"S15BF S483 S2\" id=\"tj_81\">9 </span><span class=\"S15C0 S483 S2\" id=\"tk_81\">OJB2023_I </span><span class=\"S15C1 S483 S2\" id=\"tl_81\">05/04/2018 </span><span class=\"S15C2 S483 S2\" id=\"tm_81\">24/11/2023 </span><span class=\"S15C3 S483 S2\" id=\"tn_81\">44,120 </span><span class=\"S15C4 S483 S2\" id=\"to_81\">39,968 </span><span class=\"S15C5 S483 S2\" id=\"tp_81\">fix </span><span class=\"S15C6 S483 S2\" id=\"tq_81\">1.75 </span><span class=\"S15C7 S483 S2\" id=\"tr_81\">hedged </span><span class=\"S15C8 S483 S2\" id=\"ts_81\">10 </span><span class=\"S15C9 S483 S2\" id=\"tt_81\">OJB2024_A </span><span class=\"S15CA S483 S2\" id=\"tu_81\">17/09/2018 </span><span class=\"S15CB S483 S2\" id=\"tv_81\">20/05/2024 </span><span class=\"S15CC S483 S2\" id=\"tw_81\">53,732 </span><span class=\"S15CD S483 S2\" id=\"tx_81\">53,933 </span><span class=\"S15CE S483 S2\" id=\"ty_81\">floating </span><span class=\"S15CF S483 S2\" id=\"tz_81\">17.36 </span><span class=\"S15D0 S483 S2\" id=\"t10_81\">11 </span><span class=\"S15D1 S483 S2\" id=\"t11_81\">OJB2024_II </span><span class=\"S15D2 S483 S2\" id=\"t12_81\">10/10/2018 </span><span class=\"S15D3 S483 S2\" id=\"t13_81\">24/10/2024 </span><span class=\"S15D4 S483 S2\" id=\"t14_81\">96,800 </span><span class=\"S15D5 S483 S2\" id=\"t15_81\">79,228 </span><span class=\"S15D6 S483 S2\" id=\"t16_81\">fix </span><span class=\"S15D7 S483 S2\" id=\"t17_81\">2.50 </span><span class=\"S15D8 S483 S2\" id=\"t18_81\">hedged </span><span class=\"S15D9 S483 S2\" id=\"t19_81\">12 </span><span class=\"S15DA S483 S2\" id=\"t1a_81\">OJB2025_II </span><span class=\"S15DB S483 S2\" id=\"t1b_81\">03/02/2020 </span><span class=\"S15DC S483 S2\" id=\"t1c_81\">26/11/2025 </span><span class=\"S15DD S483 S2\" id=\"t1d_81\">22,550 </span><span class=\"S15DE S483 S2\" id=\"t1e_81\">16,193 </span><span class=\"S15DF S483 S2\" id=\"t1f_81\">fix </span><span class=\"S15E0 S483 S2\" id=\"t1g_81\">1.50 </span><span class=\"S15E1 S483 S2\" id=\"t1h_81\">hedged </span><span class=\"S15E2 S483 S2\" id=\"t1i_81\">13 </span><span class=\"S15E3 S483 S2\" id=\"t1j_81\">OJB2027_I </span><span class=\"S15E4 S483 S2\" id=\"t1k_81\">23/07/2020 </span><span class=\"S15E5 S483 S2\" id=\"t1l_81\">27/10/2027 </span><span class=\"S15E6 S483 S2\" id=\"t1m_81\">76,850 </span><span class=\"S15E7 S483 S2\" id=\"t1n_81\">52,608 </span><span class=\"S15E8 S483 S2\" id=\"t1o_81\">fix </span><span class=\"S15E9 S483 S2\" id=\"t1p_81\">1.25 </span><span class=\"S15EA S483 S2\" id=\"t1q_81\">hedged </span><span class=\"S15EB S483 S2\" id=\"t1r_81\">14 </span><span class=\"S15EC S483 S2\" id=\"t1s_81\">OJB2029_A </span><span class=\"S15ED S483 S2\" id=\"t1t_81\">25/07/2022 </span><span class=\"S15EE S483 S2\" id=\"t1u_81\">24/05/2029 </span><span class=\"S15EF S483 S2\" id=\"t1v_81\">91,510 </span><span class=\"S15F0 S483 S2\" id=\"t1w_81\">91,488 </span><span class=\"S15F1 S483 S2\" id=\"t1x_81\">floating </span><span class=\"S15F2 S483 S2\" id=\"t1y_81\">17.13 </span><span class=\"S15F3 S483 S2\" id=\"t1z_81\">15 </span><span class=\"S15F4 S483 S2\" id=\"t20_81\">OJB2031_I </span><span class=\"S15F5 S483 S2\" id=\"t21_81\">18/08/2021 </span><span class=\"S15F6 S483 S2\" id=\"t22_81\">22/10/2031 </span><span class=\"S15F7 S483 S2\" id=\"t23_81\">82,000 </span><span class=\"S15F8 S483 S2\" id=\"t24_81\">49,515 </span><span class=\"S15F9 S483 S2\" id=\"t25_81\">fix </span><span class=\"S15FA S483 S2\" id=\"t26_81\">2.50 </span><span class=\"S15FB S483 S2\" id=\"t27_81\">hedged </span><span class=\"S15FC S483 S2\" id=\"t28_81\">16 </span><span class=\"S15FD S483 S2\" id=\"t29_81\">Other </span><span class=\"S15FE S483 S2\" id=\"t2a_81\">269 </span><span class=\"S15FF S483 S2\" id=\"t2b_81\">269 </span><span class=\"S1600 SC43 S2\" id=\"t2c_81\">Total issued securities in HUF </span><span class=\"S1601 SC43 S2\" id=\"t2d_81\">505,920 </span><span class=\"S1602 SC43 S2\" id=\"t2e_81\">422,400 </span><span class=\"S1603 SB S2\" id=\"t2f_81\">Issued securities denominated in foreign currency as at 31 December 2022 </span><span class=\"S1604 SC43 S2\" id=\"t2g_81\">Name </span><span class=\"S1605 SC43 S2\" id=\"t2h_81\">Date of issue </span><span class=\"S1606 SC43 S2\" id=\"t2i_81\">Maturity </span><span class=\"S1607 SC43 S2\" id=\"t2j_81\">Type of </span><span class=\"S1608 SC43 S2\" id=\"t2k_81\">FX </span><span class=\"S1609 SC43 S2\" id=\"t2l_81\">Nominal value </span><span class=\"S160A SC43 S2\" id=\"t2m_81\">Amortized cost </span><span class=\"S160B SC43 S2\" id=\"t2n_81\">Interest conditions </span><span class=\"S160C SC43 S2\" id=\"t2o_81\">(FX mn) </span><span class=\"S160D SC43 S2\" id=\"t2p_81\">(FX mn) </span><span class=\"S160E SC43 S2\" id=\"t2q_81\">(actual interest rate in </span><span class=\"S160F SC43 S2\" id=\"t2r_81\">% p.a.) </span><span class=\"S1610 S483 S2\" id=\"t2s_81\">1 </span><span class=\"S1611 S483 S2\" id=\"t2t_81\">XS2560693181 </span><span class=\"S1612 S483 S2\" id=\"t2u_81\">01/12/2022 </span><span class=\"S1613 S483 S2\" id=\"t2v_81\">04/03/2026 </span><span class=\"S1614 S483 S2\" id=\"t2w_81\">EUR </span><span class=\"S1615 S483 S2\" id=\"t2x_81\">650 </span><span class=\"S1616 S483 S2\" id=\"t2y_81\">260,136 </span><span class=\"S1617 S483 S2\" id=\"t2z_81\">653 </span><span class=\"S1618 S483 S2\" id=\"t30_81\">261,341 </span><span class=\"S1619 S483 S2\" id=\"t31_81\">fix </span><span class=\"S161A S483 S2\" id=\"t32_81\">7.35 </span><span class=\"S161B S483 S2\" id=\"t33_81\">2 </span><span class=\"S161C S483 S2\" id=\"t34_81\">XS2499691330 </span><span class=\"S161D S483 S2\" id=\"t35_81\">13/07/2022 </span><span class=\"S161E S483 S2\" id=\"t36_81\">13/07/2025 </span><span class=\"S161F S483 S2\" id=\"t37_81\">EUR </span><span class=\"S1620 S483 S2\" id=\"t38_81\">399 </span><span class=\"S1621 S483 S2\" id=\"t39_81\">159,859 </span><span class=\"S1622 S483 S2\" id=\"t3a_81\">409 </span><span class=\"S1623 S483 S2\" id=\"t3b_81\">163,893 </span><span class=\"S1624 S483 S2\" id=\"t3c_81\">fix </span><span class=\"S1625 S483 S2\" id=\"t3d_81\">5.50 </span><span class=\"S1626 S483 S2\" id=\"t3e_81\">3 </span><span class=\"S1627 S483 S2\" id=\"t3f_81\">XS2536446649 </span><span class=\"S1628 S483 S2\" id=\"t3g_81\">29/09/2022 </span><span class=\"S1629 S483 S2\" id=\"t3h_81\">29/09/2026 </span><span class=\"S162A S483 S2\" id=\"t3i_81\">USD </span><span class=\"S162B S483 S2\" id=\"t3j_81\">60 </span><span class=\"S162C S483 S2\" id=\"t3k_81\">22,541 </span><span class=\"S162D S483 S2\" id=\"t3l_81\">61 </span><span class=\"S162E S483 S2\" id=\"t3m_81\">22,972 </span><span class=\"S162F S483 S2\" id=\"t3n_81\">fix </span><span class=\"S1630 S483 S2\" id=\"t3o_81\">7.25 </span><span class=\"S1631 S483 S2\" id=\"t3p_81\">4 </span><span class=\"S1632 S483 S2\" id=\"t3q_81\">Other </span><span class=\"S1633 S482 S2\" id=\"t3r_81\">1 </span><span class=\"S1634 S483 S2\" id=\"t3s_81\">12 </span><span class=\"S1635 S483 S2\" id=\"t3t_81\">60 </span><span class=\"S1636 S483 S2\" id=\"t3u_81\">15 </span><span class=\"S1637 S483 S2\" id=\"t3v_81\">76 </span><span class=\"S1638 SC43 S2\" id=\"t3w_81\">Total issued securities in FX </span><span class=\"S1639 SC43 S2\" id=\"t3x_81\">442,596 </span><span class=\"S163A SC43 S2\" id=\"t3y_81\">448,282 </span><span class=\"S163B SC43 S2\" id=\"t3z_81\">Total issued securities </span><span class=\"S163C SC43 S2\" id=\"t40_81\">870,682 </span><span class=\"S163D SE8B S2\" id=\"t41_81\">1 </span><span class=\"S163E SA7 S2\" id=\"t42_81\">Issued other </span><span class=\"S163F S5B9 S2\" id=\"t43_81\">securities denominated in foreign currency are promissory notes issued by JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S1640 SA7 S2\" id=\"t44_81\">in the amount of HUF 60 million as at 31 December 2022. </span><span class=\"S1641 SB S2\" id=\"t45_81\">Issued securities denominated in HUF as at 31 December 2021 (in HUF mn) </span><span class=\"S1642 SC43 S2\" id=\"t46_81\">Name </span><span class=\"S1643 SC43 S2\" id=\"t47_81\">Date of issue </span><span class=\"S1644 SC43 S2\" id=\"t48_81\">Maturity </span><span class=\"S1645 SC43 S2\" id=\"t49_81\">Nominal </span><span class=\"S1646 SC43 S2\" id=\"t4a_81\">value </span><span class=\"S1647 SC43 S2\" id=\"t4b_81\">Amortized </span><span class=\"S1648 SC43 S2\" id=\"t4c_81\">cost </span><span class=\"S1649 SC43 S2\" id=\"t4d_81\">Interest conditions </span><span class=\"S164A SC43 S2\" id=\"t4e_81\">Hedged </span><span class=\"S164B SC43 S2\" id=\"t4f_81\">(in HUF mn) </span><span class=\"S164C SC43 S2\" id=\"t4g_81\">(in HUF mn) </span><span class=\"S164D SC43 S2\" id=\"t4h_81\">(actual interest </span><span class=\"S164E SC43 S2\" id=\"t4i_81\">rate in % p.a.) </span><span class=\"S164F S483 S2\" id=\"t4j_81\">1 </span><span class=\"S1650 S483 S2\" id=\"t4k_81\">OTPX2022A </span><span class=\"S1651 S483 S2\" id=\"t4l_81\">22/03/2012 </span><span class=\"S1652 S483 S2\" id=\"t4m_81\">23/03/2022 </span><span class=\"S1653 S483 S2\" id=\"t4n_81\">175 </span><span class=\"S1654 S483 S2\" id=\"t4o_81\">236 </span><span class=\"S1655 S483 S2\" id=\"t4p_81\">indexed </span><span class=\"S1656 S483 S2\" id=\"t4q_81\">NaN </span><span class=\"S1657 S483 S2\" id=\"t4r_81\">hedged </span><span class=\"S1658 S483 S2\" id=\"t4s_81\">2 </span><span class=\"S1659 S483 S2\" id=\"t4t_81\">OTPX2022B </span><span class=\"S165A S483 S2\" id=\"t4u_81\">18/07/2012 </span><span class=\"S165B S483 S2\" id=\"t4v_81\">18/07/2022 </span><span class=\"S165C S483 S2\" id=\"t4w_81\">164 </span><span class=\"S165D S483 S2\" id=\"t4x_81\">549 </span><span class=\"S165E S483 S2\" id=\"t4y_81\">indexed </span><span class=\"S165F S483 S2\" id=\"t4z_81\">1.70 </span><span class=\"S1660 S483 S2\" id=\"t50_81\">hedged </span><span class=\"S1661 S483 S2\" id=\"t51_81\">3 </span><span class=\"S1662 S483 S2\" id=\"t52_81\">OTPX2022C </span><span class=\"S1663 S483 S2\" id=\"t53_81\">29/10/2012 </span><span class=\"S1664 S483 S2\" id=\"t54_81\">28/10/2022 </span><span class=\"S1665 S483 S2\" id=\"t55_81\">177 </span><span class=\"S1666 S483 S2\" id=\"t56_81\">317 </span><span class=\"S1667 S483 S2\" id=\"t57_81\">indexed </span><span class=\"S1668 S483 S2\" id=\"t58_81\">1.70 </span><span class=\"S1669 S483 S2\" id=\"t59_81\">hedged </span><span class=\"S166A S483 S2\" id=\"t5a_81\">4 </span><span class=\"S166B S483 S2\" id=\"t5b_81\">OTPX2022D </span><span class=\"S166C S483 S2\" id=\"t5c_81\">28/12/2012 </span><span class=\"S166D S483 S2\" id=\"t5d_81\">27/12/2022 </span><span class=\"S166E S483 S2\" id=\"t5e_81\">238 </span><span class=\"S166F S483 S2\" id=\"t5f_81\">290 </span><span class=\"S1670 S483 S2\" id=\"t5g_81\">indexed </span><span class=\"S1671 S483 S2\" id=\"t5h_81\">1.70 </span><span class=\"S1672 S483 S2\" id=\"t5i_81\">hedged </span><span class=\"S1673 S483 S2\" id=\"t5j_81\">5 </span><span class=\"S1674 S483 S2\" id=\"t5k_81\">OTPX2023A </span><span class=\"S1675 S483 S2\" id=\"t5l_81\">22/03/2013 </span><span class=\"S1676 S483 S2\" id=\"t5m_81\">24/03/2023 </span><span class=\"S1677 S483 S2\" id=\"t5n_81\">312 </span><span class=\"S1678 S483 S2\" id=\"t5o_81\">366 </span><span class=\"S1679 S483 S2\" id=\"t5p_81\">indexed </span><span class=\"S167A S483 S2\" id=\"t5q_81\">1.70 </span><span class=\"S167B S483 S2\" id=\"t5r_81\">hedged </span><span class=\"S167C S483 S2\" id=\"t5s_81\">6 </span><span class=\"S167D S483 S2\" id=\"t5t_81\">OTPX2023B </span><span class=\"S167E S483 S2\" id=\"t5u_81\">28/06/2013 </span><span class=\"S167F S483 S2\" id=\"t5v_81\">26/06/2023 </span><span class=\"S1680 S483 S2\" id=\"t5w_81\">198 </span><span class=\"S1681 S483 S2\" id=\"t5x_81\">272 </span><span class=\"S1682 S483 S2\" id=\"t5y_81\">indexed </span><span class=\"S1683 S483 S2\" id=\"t5z_81\">0.60 </span><span class=\"S1684 S483 S2\" id=\"t60_81\">hedged </span><span class=\"S1685 S483 S2\" id=\"t61_81\">7 </span><span class=\"S1686 S483 S2\" id=\"t62_81\">OTPX2024A </span><span class=\"S1687 S483 S2\" id=\"t63_81\">18/06/2014 </span><span class=\"S1688 S483 S2\" id=\"t64_81\">21/06/2024 </span><span class=\"S1689 S483 S2\" id=\"t65_81\">241 </span><span class=\"S168A S483 S2\" id=\"t66_81\">277 </span><span class=\"S168B S483 S2\" id=\"t67_81\">indexed </span><span class=\"S168C S483 S2\" id=\"t68_81\">1.30 </span><span class=\"S168D S483 S2\" id=\"t69_81\">hedged </span><span class=\"S168E S483 S2\" id=\"t6a_81\">8 </span><span class=\"S168F S483 S2\" id=\"t6b_81\">OTPX2024B </span><span class=\"S1690 S483 S2\" id=\"t6c_81\">10/10/2014 </span><span class=\"S1691 S483 S2\" id=\"t6d_81\">16/10/2024 </span><span class=\"S1692 S483 S2\" id=\"t6e_81\">295 </span><span class=\"S1693 S483 S2\" id=\"t6f_81\">336 </span><span class=\"S1694 S483 S2\" id=\"t6g_81\">indexed </span><span class=\"S1695 S483 S2\" id=\"t6h_81\">0.70 </span><span class=\"S1696 S483 S2\" id=\"t6i_81\">hedged </span><span class=\"S1697 S483 S2\" id=\"t6j_81\">9 </span><span class=\"S1698 S483 S2\" id=\"t6k_81\">OTPX2024C </span><span class=\"S1699 S483 S2\" id=\"t6l_81\">15/12/2014 </span><span class=\"S169A S483 S2\" id=\"t6m_81\">20/12/2024 </span><span class=\"S169B S483 S2\" id=\"t6n_81\">242 </span><span class=\"S169C S483 S2\" id=\"t6o_81\">275 </span><span class=\"S169D S483 S2\" id=\"t6p_81\">indexed </span><span class=\"S169E S483 S2\" id=\"t6q_81\">0.60 </span><span class=\"S169F S483 S2\" id=\"t6r_81\">hedged </span><span class=\"S16A0 S483 S2\" id=\"t6s_81\">10 </span><span class=\"S16A1 S483 S2\" id=\"t6t_81\">OTPRF2022A </span><span class=\"S16A2 S483 S2\" id=\"t6u_81\">22/03/2012 </span><span class=\"S16A3 S483 S2\" id=\"t6v_81\">23/03/2022 </span><span class=\"S16A4 S483 S2\" id=\"t6w_81\">2,321 </span><span class=\"S16A5 S483 S2\" id=\"t6x_81\">2,513 </span><span class=\"S16A6 S483 S2\" id=\"t6y_81\">indexed </span><span class=\"S16A7 S483 S2\" id=\"t6z_81\">1.70 </span><span class=\"S16A8 S483 S2\" id=\"t70_81\">hedged </span><span class=\"S16A9 S483 S2\" id=\"t71_81\">11 </span><span class=\"S16AA S483 S2\" id=\"t72_81\">OTPRF2022B </span><span class=\"S16AB S483 S2\" id=\"t73_81\">22/03/2012 </span><span class=\"S16AC S483 S2\" id=\"t74_81\">23/03/2022 </span><span class=\"S16AD S483 S2\" id=\"t75_81\">934 </span><span class=\"S16AE S483 S2\" id=\"t76_81\">1,011 </span><span class=\"S16AF S483 S2\" id=\"t77_81\">indexed </span><span class=\"S16B0 S483 S2\" id=\"t78_81\">1.70 </span><span class=\"S16B1 S483 S2\" id=\"t79_81\">hedged </span><span class=\"S16B2 S483 S2\" id=\"t7a_81\">12 </span><span class=\"S16B3 S483 S2\" id=\"t7b_81\">OTPRF2022C </span><span class=\"S16B4 S483 S2\" id=\"t7c_81\">28/06/2012 </span><span class=\"S16B5 S483 S2\" id=\"t7d_81\">28/06/2022 </span><span class=\"S16B6 S483 S2\" id=\"t7e_81\">209 </span><span class=\"S16B7 S483 S2\" id=\"t7f_81\">266 </span><span class=\"S16B8 S483 S2\" id=\"t7g_81\">indexed </span><span class=\"S16B9 S483 S2\" id=\"t7h_81\">1.70 </span><span class=\"S16BA S483 S2\" id=\"t7i_81\">hedged </span><span class=\"S16BB SC43 S2\" id=\"t7j_81\">Subtotal </span><span class=\"S16BC SC43 S2\" id=\"t7k_81\">5,506 </span><span class=\"S16BD SC43 S2\" id=\"t7l_81\">6,708 </span><span class=\"SFA4 SB S2\" id=\"t3_82\">NOTE 21: </span><span class=\"S13E0 SB S2\" id=\"t4_82\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"S15B1 SB S2\" id=\"t5_82\">Issued securities denominated in HUF as at 31 December 2021 (in HUF mn) [continued] </span><span class=\"S16BE SC43 S2\" id=\"t6_82\">Name </span><span class=\"S16BF SC43 S2\" id=\"t7_82\">Date of issue </span><span class=\"S16C0 SC43 S2\" id=\"t8_82\">Maturity </span><span class=\"S16C1 SC43 S2\" id=\"t9_82\">Nominal </span><span class=\"S16C2 SC43 S2\" id=\"ta_82\">value </span><span class=\"S16C3 SC43 S2\" id=\"tb_82\">Amortized </span><span class=\"S16C4 SC43 S2\" id=\"tc_82\">cost </span><span class=\"S16C5 SC43 S2\" id=\"td_82\">Interest conditions </span><span class=\"S16C6 SC43 S2\" id=\"te_82\">Hedged </span><span class=\"S16C7 SC43 S2\" id=\"tf_82\">(in HUF mn) </span><span class=\"S16C8 SC43 S2\" id=\"tg_82\">(in HUF mn) </span><span class=\"S16C9 SC43 S2\" id=\"th_82\">(actual interest </span><span class=\"S16CA SC43 S2\" id=\"ti_82\">rate in % p.a.) </span><span class=\"S16CB S483 S2\" id=\"tj_82\">13 </span><span class=\"S16CC S483 S2\" id=\"tk_82\">OTPRF2022D </span><span class=\"S16CD S483 S2\" id=\"tl_82\">28/06/2012 </span><span class=\"S16CE S483 S2\" id=\"tm_82\">28/06/2022 </span><span class=\"S16CF S483 S2\" id=\"tn_82\">286 </span><span class=\"S16D0 S483 S2\" id=\"to_82\">324 </span><span class=\"S16D1 S483 S2\" id=\"tp_82\">indexed </span><span class=\"S16D2 S483 S2\" id=\"tq_82\">1.70 </span><span class=\"S16D3 S483 S2\" id=\"tr_82\">hedged </span><span class=\"S16D4 S483 S2\" id=\"ts_82\">14 </span><span class=\"S16D5 S483 S2\" id=\"tt_82\">OTPRF2022E </span><span class=\"S16D6 S483 S2\" id=\"tu_82\">29/10/2012 </span><span class=\"S16D7 S483 S2\" id=\"tv_82\">31/10/2022 </span><span class=\"S16D8 S483 S2\" id=\"tw_82\">862 </span><span class=\"S16D9 S483 S2\" id=\"tx_82\">933 </span><span class=\"S16DA S483 S2\" id=\"ty_82\">indexed </span><span class=\"S16DB S483 S2\" id=\"tz_82\">1.70 </span><span class=\"S16DC S483 S2\" id=\"t10_82\">hedged </span><span class=\"S16DD S483 S2\" id=\"t11_82\">15 </span><span class=\"S16DE S483 S2\" id=\"t12_82\">OTPRF2022F </span><span class=\"S16DF S483 S2\" id=\"t13_82\">28/12/2012 </span><span class=\"S16E0 S483 S2\" id=\"t14_82\">28/12/2022 </span><span class=\"S16E1 S483 S2\" id=\"t15_82\">708 </span><span class=\"S16E2 S483 S2\" id=\"t16_82\">773 </span><span class=\"S16E3 S483 S2\" id=\"t17_82\">indexed </span><span class=\"S16E4 S483 S2\" id=\"t18_82\">1.70 </span><span class=\"S16E5 S483 S2\" id=\"t19_82\">hedged </span><span class=\"S16E6 S483 S2\" id=\"t1a_82\">16 </span><span class=\"S16E7 S483 S2\" id=\"t1b_82\">OTPRF2023A </span><span class=\"S16E8 S483 S2\" id=\"t1c_82\">22/03/2013 </span><span class=\"S16E9 S483 S2\" id=\"t1d_82\">24/03/2023 </span><span class=\"S16EA S483 S2\" id=\"t1e_82\">899 </span><span class=\"S16EB S483 S2\" id=\"t1f_82\">977 </span><span class=\"S16EC S483 S2\" id=\"t1g_82\">indexed </span><span class=\"S16ED S483 S2\" id=\"t1h_82\">1.70 </span><span class=\"S16EE S483 S2\" id=\"t1i_82\">hedged </span><span class=\"S16EF S483 S2\" id=\"t1j_82\">17 </span><span class=\"S16F0 S483 S2\" id=\"t1k_82\">OJB2023_I </span><span class=\"S16F1 S483 S2\" id=\"t1l_82\">05/04/2018 </span><span class=\"S16F2 S483 S2\" id=\"t1m_82\">24/11/2023 </span><span class=\"S16F3 S483 S2\" id=\"t1n_82\">44,120 </span><span class=\"S16F4 S483 S2\" id=\"t1o_82\">42,300 </span><span class=\"S16F5 S483 S2\" id=\"t1p_82\">1.75 </span><span class=\"S16F6 S483 S2\" id=\"t1q_82\">fix </span><span class=\"S16F7 S483 S2\" id=\"t1r_82\">18 </span><span class=\"S16F8 S483 S2\" id=\"t1s_82\">OJB2024_A </span><span class=\"S16F9 S483 S2\" id=\"t1t_82\">17/09/2018 </span><span class=\"S16FA S483 S2\" id=\"t1u_82\">20/05/2024 </span><span class=\"S16FB S483 S2\" id=\"t1v_82\">57,067 </span><span class=\"S16FC S483 S2\" id=\"t1w_82\">57,010 </span><span class=\"S16FD S483 S2\" id=\"t1x_82\">4.26 </span><span class=\"S16FE S483 S2\" id=\"t1y_82\">floating </span><span class=\"S16FF S483 S2\" id=\"t1z_82\">19 </span><span class=\"S1700 S483 S2\" id=\"t20_82\">OJB2024_C </span><span class=\"S1701 S483 S2\" id=\"t21_82\">24/02/2020 </span><span class=\"S1702 S483 S2\" id=\"t22_82\">24/10/2024 </span><span class=\"S1703 S483 S2\" id=\"t23_82\">80,125 </span><span class=\"S1704 S483 S2\" id=\"t24_82\">79,972 </span><span class=\"S1705 S483 S2\" id=\"t25_82\">3.95 </span><span class=\"S1706 S483 S2\" id=\"t26_82\">floating </span><span class=\"S1707 S483 S2\" id=\"t27_82\">20 </span><span class=\"S1708 S483 S2\" id=\"t28_82\">OJB2024_II </span><span class=\"S1709 S483 S2\" id=\"t29_82\">10/10/2018 </span><span class=\"S170A S483 S2\" id=\"t2a_82\">24/10/2024 </span><span class=\"S170B S483 S2\" id=\"t2b_82\">96,800 </span><span class=\"S170C S483 S2\" id=\"t2c_82\">89,138 </span><span class=\"S170D S483 S2\" id=\"t2d_82\">2.5 </span><span class=\"S170E S483 S2\" id=\"t2e_82\">fix </span><span class=\"S170F S483 S2\" id=\"t2f_82\">21 </span><span class=\"S1710 S483 S2\" id=\"t2g_82\">OJB2025_II </span><span class=\"S1711 S483 S2\" id=\"t2h_82\">03/02/2020 </span><span class=\"S1712 S483 S2\" id=\"t2i_82\">26/11/2025 </span><span class=\"S1713 S483 S2\" id=\"t2j_82\">22,550 </span><span class=\"S1714 S483 S2\" id=\"t2k_82\">20,003 </span><span class=\"S1715 S483 S2\" id=\"t2l_82\">1.5 </span><span class=\"S1716 S483 S2\" id=\"t2m_82\">fix </span><span class=\"S1717 S483 S2\" id=\"t2n_82\">hedged </span><span class=\"S1718 S483 S2\" id=\"t2o_82\">22 </span><span class=\"S1719 S483 S2\" id=\"t2p_82\">OJB2027_I </span><span class=\"S171A S483 S2\" id=\"t2q_82\">23/07/2020 </span><span class=\"S171B S483 S2\" id=\"t2r_82\">27/10/2027 </span><span class=\"S171C S483 S2\" id=\"t2s_82\">76,850 </span><span class=\"S171D S483 S2\" id=\"t2t_82\">67,257 </span><span class=\"S171E S483 S2\" id=\"t2u_82\">1.25 </span><span class=\"S171F S483 S2\" id=\"t2v_82\">fix </span><span class=\"S1720 S483 S2\" id=\"t2w_82\">23 </span><span class=\"S1721 S483 S2\" id=\"t2x_82\">OJB2031_I </span><span class=\"S1722 S483 S2\" id=\"t2y_82\">18/08/2021 </span><span class=\"S1723 S483 S2\" id=\"t2z_82\">22/10/2031 </span><span class=\"S1724 S483 S2\" id=\"t30_82\">82,000 </span><span class=\"S1725 S483 S2\" id=\"t31_82\">70,655 </span><span class=\"S1726 S483 S2\" id=\"t32_82\">2.5 </span><span class=\"S1727 S483 S2\" id=\"t33_82\">fix </span><span class=\"S1728 S483 S2\" id=\"t34_82\">33 </span><span class=\"S1729 S483 S2\" id=\"t35_82\">Other </span><span class=\"S172A S483 S2\" id=\"t36_82\">211 </span><span class=\"S172B S483 S2\" id=\"t37_82\">211 </span><span class=\"S172C SC43 S2\" id=\"t38_82\">Total issued securities in HUF </span><span class=\"S172D SC43 S2\" id=\"t39_82\">467,984 </span><span class=\"S172E SC43 S2\" id=\"t3a_82\">436,261 </span><span class=\"S172F S5B9 S2\" id=\"t3b_82\">Issued securities denominated in foreign currency are promissory notes issued by JSC \u201cOTP Bank\u201d (Russia) in the </span><span class=\"S1730 SA7 S2\" id=\"t3c_82\">amount of HUF 64 million as at 31 December 2021. </span><span class=\"S1731 SB S2\" id=\"t3d_82\">Hedge accounting </span><span class=\"S1732 S5B9 S2\" id=\"t3e_82\">Certain issued structured securities are hedged by the Bank with interest rate swaps (\u201cIRS\u201d) which exchange the </span><span class=\"S1733 SA7 S2\" id=\"t3f_82\">fixed and floating interest rate with the interest rate of the securities between the parties at a notional amount that </span><span class=\"S1734 SA7 S2\" id=\"t3g_82\">equals the nominal amount of the hedged securities. These are considered as fair value hedge relationships as they </span><span class=\"S1735 SA7 S2\" id=\"t3h_82\">cover the interest rate risk arising from the coupons of the hedged securities. OTP Bank does not intend to be </span><span class=\"S1736 SA7 S2\" id=\"t3i_82\">exposed to the risk embedded in the structured bonds, consequently as part of interest rate swap transaction the </span><span class=\"S1737 SA7 S2\" id=\"t3j_82\">structured interest payments are swapped to floating interest rate. </span><span class=\"S1738 SA7 S2\" id=\"t3k_82\">This hedging relationship meets all of the following hedge effectiveness requirements: </span><span class=\"S1739 S5B9 S2\" id=\"t3l_82\">\u2022 </span><span class=\"S173A SA7 S2\" id=\"t3m_82\">there is an economic relationship between the hedged item and the hedging instrument </span><span class=\"S173B S5B9 S2\" id=\"t3n_82\">\u2022 </span><span class=\"S173C SA7 S2\" id=\"t3o_82\">the effect of credit risk does not dominate the value changes that result from that economic relationship </span><span class=\"S173D S5B9 S2\" id=\"t3p_82\">\u2022 </span><span class=\"S173E SA7 S2\" id=\"t3q_82\">the hedge ratio of the hedging relationship is the same as that resulting from the quantity of the hedged item </span><span class=\"S173F SA7 S2\" id=\"t3r_82\">that the Bank actually hedges and the quantity of the hedging instrument that the Bank actually uses to </span><span class=\"S1740 SA7 S2\" id=\"t3s_82\">hedge that quantity of hedged item </span><span class=\"S1741 SA7 S2\" id=\"t3t_82\">The cash-flows of the fixed rate securities issued by the Bank are exposed to the changes in the HUF/EUR foreign </span><span class=\"S1742 SA7 S2\" id=\"t3u_82\">exchange rate and the volatility of the quoted interest rates of EUR and HUF. The interest rate risk and foreign </span><span class=\"S1743 SA7 S2\" id=\"t3v_82\">exchange risk related to these securities are hedged with EUR and HUF IRS transactions, where the fixed interests </span><span class=\"S1744 SA7 S2\" id=\"t3w_82\">were swapped to payments linked to 3-month HUF BUBOR and EURIBOR, resulting in a decrease in the interest </span><span class=\"S1745 SA7 S2\" id=\"t3x_82\">rate and foreign exchange exposure of issued securities. </span><span class=\"SFA4 SB S2\" id=\"t3_83\">NOTE 21: </span><span class=\"SFF3 SB S2\" id=\"t4_83\">LIABILITIES FROM ISSUED SECURITIES (in HUF mn) [continued] </span><span class=\"SB47 SB S2\" id=\"t5_83\">Term Note Program in the value of HUF 200 billion for the year of 2022/2023 </span><span class=\"S1746 SA7 S2\" id=\"t6_83\">On 10 May 2022 the Bank initiated term note program in the value of HUF 200 billion with the intention of issuing </span><span class=\"S1747 SA7 S2\" id=\"t7_83\">registered dematerialized bonds in public. On 10 August the National Bank of Hungary approved the prospectus </span><span class=\"S871 SA7 S2\" id=\"t8_83\">of Term Note Program. The prospectus is valid for 12 months following the disclosure. </span><span class=\"S1748 SA7 S2\" id=\"t9_83\">The Issuer can initiate to introduce the bonds issued under the program to the Hungarian and to other stock </span><span class=\"S1749 SA7 S2\" id=\"ta_83\">exchanges without any obligations. </span><span class=\"S174A SB S2\" id=\"tb_83\">Term Note Program in the value of HUF 200 billion for the year of 2021/2022 </span><span class=\"S174B SA7 S2\" id=\"tc_83\">On 28 May 2021 the Bank initiated term note program in the value of HUF 200 billion with the intention of </span><span class=\"S174C SA7 S2\" id=\"td_83\">issuing registered dematerialized bonds in public. On 8 July 2021, the National Bank of Hungary approved the </span><span class=\"S174D SA7 S2\" id=\"te_83\">prospectus of Term Note Program. The prospectus is valid for 12 months following the disclosure. </span><span class=\"S174E SA7 S2\" id=\"tf_83\">The Issuer can initiate to introduce the bonds issued under the program to the Hungarian and to other stock </span><span class=\"S174F SA7 S2\" id=\"tg_83\">exchanges without any obligations. </span><span class=\"S936 SB S2\" id=\"th_83\">Issuance of Green Senior Preferred Notes in the aggregate nominal amount of EUR 400 million </span><span class=\"S1750 S5B9 S2\" id=\"ti_83\">OTP Bank Plc have been issued \u201cgreen\u201d notes (ISIN: XS2499691330) on 13 July 2022 as value date in the </span><span class=\"S1751 SA7 S2\" id=\"tj_83\">aggregate nominal amount of EUR 400 million. The non-call 2 years senior preferred notes have a three-year term </span><span class=\"S1752 SA7 S2\" id=\"tk_83\">and carry an annually paid fixed coupon of 5.500% in the first two years. With respect to the third year, the </span><span class=\"S1753 SA7 S2\" id=\"tl_83\">quarterly coupon is calculated as the sum of the initial margin (of 426.5 basis points) and the 3-month EURIBOR </span><span class=\"S1754 S5B9 S2\" id=\"tm_83\">rate. The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by Scope Ratings GmbH. The notes </span><span class=\"S1755 SA7 S2\" id=\"tn_83\">are listed on the Luxembourg Stock Exchange. </span><span class=\"S1756 SB S2\" id=\"to_83\">Issuance of Green Senior Preferred Notes in the aggregate nominal amount of USD 60 million </span><span class=\"S1757 S5B9 S2\" id=\"tp_83\">OTP Bank Plc issued \u201cgreen\u201d notes (ISIN: </span><span class=\"S1758 SA7 S2\" id=\"tq_83\">XS2536446649) on 29 September 2022 as value date in the aggregate </span><span class=\"S1759 S5B9 S2\" id=\"tr_83\">nominal amount of USD 60 million. The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by </span><span class=\"S175A SA7 S2\" id=\"ts_83\">Scope Ratings GmbH. The notes are listed on the Luxembourg Stock Exchange. </span><span class=\"S175B SB S2\" id=\"tt_83\">Issuance of Senior Preferred Notes in the aggregate nominal amount of EUR 650 million </span><span class=\"S175C SA7 S2\" id=\"tu_83\">OTP Bank Plc have been issued the notes (ISIN: XS2560693181) on 1 December 2022 as value date in the </span><span class=\"S175D SA7 S2\" id=\"tv_83\">aggregate nominal amount of EUR 650 million. The 3.25 Non-Call 2.25 years Senior Preferred Notes were priced </span><span class=\"S175E SA7 S2\" id=\"tw_83\">on 23 November 2022. </span><span class=\"S175F S5B9 S2\" id=\"tx_83\">The notes are rated \u2019BBB\u2019 by S&amp;P Ratings Europe Limited and \u2019BBB+\u2019 by Scope Ratings </span><span class=\"S1760 SA7 S2\" id=\"ty_83\">GmbH. The notes are listed on the Luxembourg Stock Exchange. </span><span class=\"SAA6 SA7 S2\" id=\"tz_83\">There was other issuance of notes denominated in USD after the balance sheet date. See details in Note 52. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7200": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_76\">NOTE 17: </span><span class=\"SD6F SB S2\" id=\"t4_76\">AMOUNTS DUE TO BANKS, THE NATIONAL GOVERNMENTS, DEPOSITS FROM </span><span class=\"S148D SB S2\" id=\"t5_76\">THE NATIONAL BANKS AND OTHER BANKS (in HUF mn) </span><span class=\"SD71 SB S2\" id=\"t6_76\">2022 </span><span class=\"SD72 SB S2\" id=\"t7_76\">2021 </span><span class=\"SDFB SA7 S2\" id=\"t8_76\">Within one year </span><span class=\"SD74 SA7 S2\" id=\"t9_76\">In HUF </span><span class=\"S148E SA7 S2\" id=\"ta_76\">369,015 </span><span class=\"S148F SA7 S2\" id=\"tb_76\">277,397 </span><span class=\"SD77 SA7 S2\" id=\"tc_76\">In foreign currency </span><span class=\"SD78 SA7 S2\" id=\"td_76\">218,611 </span><span class=\"SD79 SA7 S2\" id=\"te_76\">225,398 </span><span class=\"SD7A SB S2\" id=\"tf_76\">587,626 </span><span class=\"SD7B SB S2\" id=\"tg_76\">502,795 </span><span class=\"SE01 SA7 S2\" id=\"th_76\">Over one year </span><span class=\"SE02 SA7 S2\" id=\"ti_76\">In HUF </span><span class=\"S1490 SA7 S2\" id=\"tj_76\">689,579 </span><span class=\"S1491 SA7 S2\" id=\"tk_76\">900,948 </span><span class=\"SE05 SA7 S2\" id=\"tl_76\">In foreign currency </span><span class=\"S1492 SA7 S2\" id=\"tm_76\">185,953 </span><span class=\"S1493 SA7 S2\" id=\"tn_76\">163,605 </span><span class=\"S1494 SB S2\" id=\"to_76\">875,532 </span><span class=\"S101E SB S2\" id=\"tp_76\">1,064,553 </span><span class=\"S1495 SB S2\" id=\"tq_76\">Total </span><span class=\"S1496 SB S2\" id=\"tr_76\">1,463,158 </span><span class=\"S1497 SB S2\" id=\"ts_76\">1,567,348 </span><span class=\"S1498 SA7 S2\" id=\"tt_76\">Interest rates on amounts due to banks, the National Governments, deposits from the National Banks and other </span><span class=\"S1499 SA7 S2\" id=\"tu_76\">banks are as follows: </span><span class=\"S149A SB S2\" id=\"tv_76\">2022 </span><span class=\"S149B SB S2\" id=\"tw_76\">2021 </span><span class=\"S149C SA7 S2\" id=\"tx_76\">Within one year </span><span class=\"S149D SA7 S2\" id=\"ty_76\">In HUF </span><span class=\"S149E SA7 S2\" id=\"tz_76\">(2.40)% - 18.00% </span><span class=\"S149F SA7 S2\" id=\"t10_76\">(2.04)% - 4.66% </span><span class=\"S14A0 SA7 S2\" id=\"t11_76\">In foreign currency </span><span class=\"S14A1 SE8B S2\" id=\"t12_76\">1 </span><span class=\"S14A2 SA7 S2\" id=\"t13_76\">(2.32)% - 12.00% </span><span class=\"S14A3 SA7 S2\" id=\"t14_76\">(2.40)% - 17.60% </span><span class=\"S14A4 SA7 S2\" id=\"t15_76\">Over one year </span><span class=\"S14A5 SA7 S2\" id=\"t16_76\">In HUF </span><span class=\"S14A6 SA7 S2\" id=\"t17_76\">(2.40)% - 9.23% </span><span class=\"S14A7 SA7 S2\" id=\"t18_76\">(2.40)% - 4.66% </span><span class=\"S14A8 SA7 S2\" id=\"t19_76\">In foreign currency </span><span class=\"S14A9 SE8B S2\" id=\"t1a_76\">1 </span><span class=\"S14AA SA7 S2\" id=\"t1b_76\">(2.40)% - 13.76% </span><span class=\"S14AB SA7 S2\" id=\"t1c_76\">(2.40)% - 12.00% </span><span class=\"S14AC S482 S2\" id=\"t1d_76\">1 </span><span class=\"S14AD S483 S2\" id=\"t1e_76\">The highest interest rates for due to banks denominated in foreign exchange relate to loans taken from EBRD and Green for Growth Fund in </span><span class=\"S14AE S483 S2\" id=\"t1f_76\">Ukraine. </span><span class=\"S14AF SB S2\" id=\"t1g_76\">2022 </span><span class=\"S14B0 SB S2\" id=\"t1h_76\">2021 </span><span class=\"S14B1 SA7 S2\" id=\"t1i_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B2 SA7 S2\" id=\"t1j_76\">the National Governments, deposits from the </span><span class=\"S14B3 SA7 S2\" id=\"t1k_76\">National Banks and other banks denominated in HUF </span><span class=\"S14B4 SA7 S2\" id=\"t1l_76\">2.28% </span><span class=\"S14B5 SA7 S2\" id=\"t1m_76\">1.20% </span><span class=\"S14B6 SA7 S2\" id=\"t1n_76\">Average interest rates on amounts due to banks, </span><span class=\"S14B7 SA7 S2\" id=\"t1o_76\">the National Governments, deposits from the </span><span class=\"S14B8 SA7 S2\" id=\"t1p_76\">National Banks and other banks denominated in </span><span class=\"S14B9 SA7 S2\" id=\"t1q_76\">in foreign currency </span><span class=\"S14BA SA7 S2\" id=\"t1r_76\">2.40% </span><span class=\"S14BB SA7 S2\" id=\"t1s_76\">1.49% </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7319": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_78\">NOTE 19: </span><span class=\"S13FD SB S2\" id=\"t4_78\">FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR </span><span class=\"S14CF SB S2\" id=\"t5_78\">LOSS (in HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_78\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_78\">2021 </span><span class=\"S14D2 SA7 S2\" id=\"t8_78\">Within one year </span><span class=\"S14D3 SA7 S2\" id=\"t9_78\">In HUF </span><span class=\"S14D4 SA7 S2\" id=\"ta_78\">1,716 </span><span class=\"S14D5 SA7 S2\" id=\"tb_78\">1,784 </span><span class=\"S14D6 SA7 S2\" id=\"tc_78\">In foreign currency </span><span class=\"S14D7 SA7 S2\" id=\"td_78\">- </span><span class=\"S14D8 SA7 S2\" id=\"te_78\">- </span><span class=\"S14D9 SB S2\" id=\"tf_78\">1,716 </span><span class=\"S14DA SB S2\" id=\"tg_78\">1,784 </span><span class=\"S14DB SA7 S2\" id=\"th_78\">Over one year </span><span class=\"S14DC SA7 S2\" id=\"ti_78\">In HUF </span><span class=\"S14DD SA7 S2\" id=\"tj_78\">52,475 </span><span class=\"S14DE SA7 S2\" id=\"tk_78\">39,400 </span><span class=\"S14DF SA7 S2\" id=\"tl_78\">In foreign currency </span><span class=\"S14E0 SA7 S2\" id=\"tm_78\">- </span><span class=\"S14E1 SA7 S2\" id=\"tn_78\">- </span><span class=\"S14E2 SB S2\" id=\"to_78\">52,475 </span><span class=\"S14E3 SB S2\" id=\"tp_78\">39,400 </span><span class=\"S14E4 SB S2\" id=\"tq_78\">Total </span><span class=\"S14E5 SB S2\" id=\"tr_78\">54,191 </span><span class=\"S14E6 SB S2\" id=\"ts_78\">41,184 </span><span class=\"S14E7 SA7 S2\" id=\"tt_78\">Contractual amount outstanding </span><span class=\"S14E8 SA7 S2\" id=\"tu_78\">19,853 </span><span class=\"S14E9 SA7 S2\" id=\"tv_78\">21,479 </span><span class=\"S14EA SA7 S2\" id=\"tw_78\">Result from associated entity's measured </span><span class=\"S14EB SA7 S2\" id=\"tx_78\">at fair value attributable to the Group </span><span class=\"S14EC SA7 S2\" id=\"ty_78\">37,616 </span><span class=\"S14ED SA7 S2\" id=\"tz_78\">21,051 </span><span class=\"S14EE SA7 S2\" id=\"t10_78\">Interest conditions of financial liabilities designated at fair value through profit or loss can be analysed as follows: </span><span class=\"S14EF SB S2\" id=\"t11_78\">2022 </span><span class=\"S14F0 SB S2\" id=\"t12_78\">2021 </span><span class=\"S14F1 SA7 S2\" id=\"t13_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F2 SA7 S2\" id=\"t14_78\">fair value denominated in HUF within one year </span><span class=\"S14F3 SA7 S2\" id=\"t15_78\">2.19% - 3.96% </span><span class=\"S14F4 SA7 S2\" id=\"t16_78\">0.46% - 2.46% </span><span class=\"S14F5 SA7 S2\" id=\"t17_78\">Interest rates on financial liabilities designated at </span><span class=\"S14F6 SA7 S2\" id=\"t18_78\">fair value denominated in HUF over one year </span><span class=\"S14F7 SA7 S2\" id=\"t19_78\">0.01% - 4.63% </span><span class=\"S14F8 SA7 S2\" id=\"t1a_78\">0.01% - 2.90% </span><span class=\"S14F9 S5B9 S2\" id=\"t1b_78\">Certain MFB (\u201cHungarian Development Bank\u201d) refinanced loan receivables are categorised as fair value through </span><span class=\"S14FA SA7 S2\" id=\"t1c_78\">profit or loss based on SPPI test. Related refinancing loans at the liability side are categorised as fair value through </span><span class=\"S14FB SA7 S2\" id=\"t1d_78\">profit or loss based on fair value option due to accounting mismatch as provided by the IFRS 9 standard. </span><span class=\"SC5A SA7 S2\" id=\"t1e_78\">The Group controls capital funds where it does not hold the 100% of the owner rights. The related non-controlling </span><span class=\"S14FC SA7 S2\" id=\"t1f_78\">interest is treated as financial liability designated at fair value through profit or loss as it is not considered equity </span><span class=\"S14FD SA7 S2\" id=\"t1g_78\">under IAS 32. </span><span class=\"S1B60 SB S2\" id=\"t25_101\">Gains and losses by transactions </span><span class=\"S1B61 SB S2\" id=\"t26_101\">2022 </span><span class=\"S1B62 SB S2\" id=\"t27_101\">2021 </span><span class=\"S1B63 SA7 S2\" id=\"t28_101\">Gain by transactions </span><span class=\"S1B64 SA7 S2\" id=\"t29_101\">4,247 </span><span class=\"S1B65 SA7 S2\" id=\"t2a_101\">5,835 </span><span class=\"S1B66 SA7 S2\" id=\"t2b_101\">Loss by transactions </span><span class=\"S1B67 SA7 S2\" id=\"t2c_101\">(4,102) </span><span class=\"S1B68 SA7 S2\" id=\"t2d_101\">(1,023) </span><span class=\"S1B69 SB S2\" id=\"t2e_101\">Gain on non-trading securities mandatorily </span><span class=\"S1B6A SB S2\" id=\"t2f_101\">at fair value through profit or loss </span><span class=\"S1B6B SB S2\" id=\"t2g_101\">145 </span><span class=\"S1B6C SB S2\" id=\"t2h_101\">4,812 </span><span class=\"S1B6D SA7 S2\" id=\"t2i_101\">Gain by transactions </span><span class=\"S1B6E SA7 S2\" id=\"t2j_101\">50,693 </span><span class=\"S1B6F SA7 S2\" id=\"t2k_101\">36,591 </span><span class=\"S1B70 SA7 S2\" id=\"t2l_101\">Loss by transactions </span><span class=\"S1B71 SA7 S2\" id=\"t2m_101\">(60,234) </span><span class=\"S1B72 SA7 S2\" id=\"t2n_101\">(44,346) </span><span class=\"S1B73 SB S2\" id=\"t2o_101\">Loss on loans mandatorily at fair value through profit </span><span class=\"S1B74 SB S2\" id=\"t2p_101\">or loss (adjustment resulting from change in market factors) </span><span class=\"S1B75 SB S2\" id=\"t2q_101\">(9,541) </span><span class=\"S1B76 SB S2\" id=\"t2r_101\">(7,755) </span><span class=\"S1B77 SA7 S2\" id=\"t2s_101\">Gain by transactions </span><span class=\"S1B78 SA7 S2\" id=\"t2t_101\">7,809 </span><span class=\"S1B79 SA7 S2\" id=\"t2u_101\">2,868 </span><span class=\"S1B7A SA7 S2\" id=\"t2v_101\">Loss by transactions </span><span class=\"S1B7B SA7 S2\" id=\"t2w_101\">(2,577) </span><span class=\"S1B7C SA7 S2\" id=\"t2x_101\">(457) </span><span class=\"S1B7D SB S2\" id=\"t2y_101\">Gain on financial assets and liabilities </span><span class=\"S1B7E SB S2\" id=\"t2z_101\">designated at fair value through profit or loss </span><span class=\"S1B7F SB S2\" id=\"t30_101\">5,232 </span><span class=\"S1B80 SB S2\" id=\"t31_101\">2,411 </span><span class=\"S1B81 SB S2\" id=\"t32_101\">Fair value adjustment on financial instruments measured </span><span class=\"S1B82 SB S2\" id=\"t33_101\">at fair value through profit or loss </span><span class=\"S1B83 SB S2\" id=\"t34_101\">(4,164) </span><span class=\"S1B84 SB S2\" id=\"t35_101\">(532) </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f7380": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_79\">NOTE 20: </span><span class=\"S13FD SB S2\" id=\"t4_79\">DEPOSITS FROM CUSTOMERS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_79\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_79\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_79\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_79\">In HUF </span><span class=\"SFA7 SA7 S2\" id=\"t9_79\">7,910,448 </span><span class=\"SFA8 SA7 S2\" id=\"ta_79\">7,829,595 </span><span class=\"SDC0 SA7 S2\" id=\"tb_79\">In foreign currency </span><span class=\"S14FE SA7 S2\" id=\"tc_79\">16,757,984 </span><span class=\"S14FF SA7 S2\" id=\"td_79\">12,758,360 </span><span class=\"S1500 SB S2\" id=\"te_79\">24,668,432 </span><span class=\"S1501 SB S2\" id=\"tf_79\">20,587,955 </span><span class=\"SDC5 SA7 S2\" id=\"tg_79\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_79\">In HUF </span><span class=\"S1502 SA7 S2\" id=\"ti_79\">274,217 </span><span class=\"SDC8 SA7 S2\" id=\"tj_79\">293,606 </span><span class=\"SDC9 SA7 S2\" id=\"tk_79\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_79\">246,156 </span><span class=\"S1503 SA7 S2\" id=\"tm_79\">187,083 </span><span class=\"S14BF SB S2\" id=\"tn_79\">520,373 </span><span class=\"SDCD SB S2\" id=\"to_79\">480,689 </span><span class=\"S14C1 SB S2\" id=\"tp_79\">Total </span><span class=\"S1504 SB S2\" id=\"tq_79\">25,188,805 </span><span class=\"S1505 SB S2\" id=\"tr_79\">21,068,644 </span><span class=\"S1506 SA7 S2\" id=\"ts_79\">Interest rates on deposits from customers are as follows: </span><span class=\"S1507 SB S2\" id=\"tt_79\">2022 </span><span class=\"S1508 SB S2\" id=\"tu_79\">2021 </span><span class=\"S1509 SA7 S2\" id=\"tv_79\">Within one year </span><span class=\"S150A SA7 S2\" id=\"tw_79\">In HUF </span><span class=\"S150B SA7 S2\" id=\"tx_79\">0.00% - 17.95% </span><span class=\"S150C SA7 S2\" id=\"ty_79\">(2.48)% - 7.96% </span><span class=\"S150D SA7 S2\" id=\"tz_79\">In foreign currency </span><span class=\"S150E SE8B S2\" id=\"t10_79\">1 </span><span class=\"S150F SA7 S2\" id=\"t11_79\">(0.40)% - 45.10% </span><span class=\"S1510 SA7 S2\" id=\"t12_79\">(1.01)% - 17.20% </span><span class=\"S1511 SA7 S2\" id=\"t13_79\">Over one year </span><span class=\"S1512 SA7 S2\" id=\"t14_79\">In HUF </span><span class=\"S1513 SA7 S2\" id=\"t15_79\">0.00%- 13.00% </span><span class=\"S1514 SA7 S2\" id=\"t16_79\">0.01% - 3.00% </span><span class=\"SFC4 SA7 S2\" id=\"t17_79\">In foreign currency </span><span class=\"S1515 SA7 S2\" id=\"t18_79\">0.00% - 18.00% </span><span class=\"S1516 SA7 S2\" id=\"t19_79\">0.00% - 8.90% </span><span class=\"S1517 S482 S2\" id=\"t1a_79\">1 </span><span class=\"S1518 S483 S2\" id=\"t1b_79\">The highest interest rate regarding within-one-year deposits in foreign currency for the current and previous year relate to treasury deposit in </span><span class=\"S1519 S483 S2\" id=\"t1c_79\">Turkish lira in Hungary. </span><span class=\"S151A SB S2\" id=\"t1d_79\">2022 </span><span class=\"S151B SB S2\" id=\"t1e_79\">2021 </span><span class=\"S151C SA7 S2\" id=\"t1f_79\">Average interest rates on deposits from customers </span><span class=\"S151D SA7 S2\" id=\"t1g_79\">denominated in HUF </span><span class=\"S151E SA7 S2\" id=\"t1h_79\">2.21% </span><span class=\"S151F SA7 S2\" id=\"t1i_79\">0.18% </span><span class=\"S1520 SA7 S2\" id=\"t1j_79\">Average interest rates on deposits from customers </span><span class=\"S1521 SA7 S2\" id=\"t1k_79\">denominated in foreign currency </span><span class=\"S1522 SA7 S2\" id=\"t1l_79\">0.68% </span><span class=\"S1523 SA7 S2\" id=\"t1m_79\">0.34% </span><span class=\"S1524 SA7 S2\" id=\"t1n_79\">An analysis of deposits from customers by type is as follows: </span><span class=\"S1525 SB S2\" id=\"t1o_79\">2022 </span><span class=\"S1526 SB S2\" id=\"t1p_79\">2021 </span><span class=\"S1527 SA7 S2\" id=\"t1q_79\">Retail deposits </span><span class=\"S1528 SA7 S2\" id=\"t1r_79\">13,739,669 </span><span class=\"S1529 SA7 S2\" id=\"t1s_79\">54.55% </span><span class=\"S152A SA7 S2\" id=\"t1t_79\">11,982,784 </span><span class=\"S152B SA7 S2\" id=\"t1u_79\">56.88% </span><span class=\"S152C SA7 S2\" id=\"t1v_79\">Corporate deposits </span><span class=\"S152D SA7 S2\" id=\"t1w_79\">10,408,982 </span><span class=\"S152E SA7 S2\" id=\"t1x_79\">41.32% </span><span class=\"S152F SA7 S2\" id=\"t1y_79\">8,093,206 </span><span class=\"S1530 SA7 S2\" id=\"t1z_79\">38.41% </span><span class=\"S1531 SA7 S2\" id=\"t20_79\">Municipality deposits </span><span class=\"S1532 SA7 S2\" id=\"t21_79\">1,040,154 </span><span class=\"S1533 SA7 S2\" id=\"t22_79\">4.13% </span><span class=\"S1534 SA7 S2\" id=\"t23_79\">992,654 </span><span class=\"S1535 SA7 S2\" id=\"t24_79\">4.71% </span><span class=\"S1536 SB S2\" id=\"t25_79\">Total </span><span class=\"S1537 SB S2\" id=\"t26_79\">25,188,805 </span><span class=\"S1538 SB S2\" id=\"t27_79\">100.00% </span><span class=\"S1539 SB S2\" id=\"t28_79\">21,068,644 </span><span class=\"S153A SB S2\" id=\"t29_79\">100.00% </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8085": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_84\">NOTE 22: </span><span class=\"S6E4 SB S2\" id=\"t4_84\">DERIVATIVE FINANCIAL LIABILITIES HELD FOR TRADING (in HUF mn) </span><span class=\"S1761 SA7 S2\" id=\"t5_84\">Negative fair value of derivative financial liabilities held for trading by type of contracts </span><span class=\"S1762 SB S2\" id=\"t6_84\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_84\">2021 </span><span class=\"S1764 SA7 S2\" id=\"t8_84\">Foreign exchange swaps held for trading </span><span class=\"S1765 SA7 S2\" id=\"t9_84\">83,149 </span><span class=\"S1766 SA7 S2\" id=\"ta_84\">46,380 </span><span class=\"S1767 SA7 S2\" id=\"tb_84\">Commodity swaps </span><span class=\"S1768 SA7 S2\" id=\"tc_84\">31,632 </span><span class=\"S1769 SA7 S2\" id=\"td_84\">51,508 </span><span class=\"S176A SA7 S2\" id=\"te_84\">Interest rate swaps held for trading </span><span class=\"S176B SA7 S2\" id=\"tf_84\">237,269 </span><span class=\"S176C SA7 S2\" id=\"tg_84\">87,945 </span><span class=\"S176D SA7 S2\" id=\"th_84\">Foreign exchange forward contracts </span><span class=\"S176E SA7 S2\" id=\"ti_84\">held-for-trading </span><span class=\"S176F SA7 S2\" id=\"tj_84\">13,740 </span><span class=\"S1770 SA7 S2\" id=\"tk_84\">7,738 </span><span class=\"S1771 SA7 S2\" id=\"tl_84\">CCIRS and mark-to-market CCIRS </span><span class=\"S1772 SA7 S2\" id=\"tm_84\">held for trading </span><span class=\"S14E2 SA7 S2\" id=\"tn_84\">15,759 </span><span class=\"S1773 SA7 S2\" id=\"to_84\">7,789 </span><span class=\"S1774 SA7 S2\" id=\"tp_84\">Held for trading option contracts </span><span class=\"S1775 SA7 S2\" id=\"tq_84\">1,891 </span><span class=\"S1776 SA7 S2\" id=\"tr_84\">479 </span><span class=\"S1777 SA7 S2\" id=\"ts_84\">Held-for-trading forward security agreement </span><span class=\"S1778 SA7 S2\" id=\"tt_84\">- </span><span class=\"S1779 SA7 S2\" id=\"tu_84\">13 </span><span class=\"S177A SA7 S2\" id=\"tv_84\">Other derivative transactions held for trading </span><span class=\"S177B SE8B S2\" id=\"tw_84\">1 </span><span class=\"S177C SA7 S2\" id=\"tx_84\">2,307 </span><span class=\"S177D SA7 S2\" id=\"ty_84\">864 </span><span class=\"S177E SB S2\" id=\"tz_84\">Total </span><span class=\"S177F SB S2\" id=\"t10_84\">385,747 </span><span class=\"S1780 SB S2\" id=\"t11_84\">202,716 </span><span class=\"S1781 S482 S2\" id=\"t12_84\">1 </span><span class=\"S1782 S483 S2\" id=\"t13_84\">Other category includes: fx spot, equity swaps, forward rate agreement, options and index futures. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8161": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_86\">NOTE 24: </span><span class=\"S1790 SB S2\" id=\"t4_86\">PROVISIONS AND OTHER LIABILITIES (in HUF mn) </span><span class=\"S1791 SA7 S2\" id=\"t5_86\">Other liabilities are expected to be recovered or settled no more than twelve months after the reporting period. </span><span class=\"S1792 SA7 S2\" id=\"t6_86\">Besides the total other liabilities mentioned above, which are expected to be recovered or settled more than twelve </span><span class=\"S1793 SA7 S2\" id=\"t7_86\">months after the reporting period are the following: accrued contractual liabilities, compulsory pension reserve, </span><span class=\"SA82 SA7 S2\" id=\"t8_86\">loans from government and liabilities from preferential dividend shares. </span><span class=\"S1794 SB S2\" id=\"t9_86\">2022 </span><span class=\"S1795 SB S2\" id=\"ta_86\">2021 </span><span class=\"S1796 SB S2\" id=\"tb_86\">Other financial liabilities </span><span class=\"S1797 SA7 S2\" id=\"tc_86\">Liabilities connected to Cafeteria benefits </span><span class=\"S1798 SA7 S2\" id=\"td_86\">91,001 </span><span class=\"S1799 SA7 S2\" id=\"te_86\">114,867 </span><span class=\"S179A SA7 S2\" id=\"tf_86\">Liabilities from investment services </span><span class=\"S179B SA7 S2\" id=\"tg_86\">108,513 </span><span class=\"S179C SA7 S2\" id=\"th_86\">92,612 </span><span class=\"S179D SA7 S2\" id=\"ti_86\">Accrued expenses on other financial liabilities </span><span class=\"S179E SA7 S2\" id=\"tj_86\">55,898 </span><span class=\"S179F SA7 S2\" id=\"tk_86\">58,247 </span><span class=\"S17A0 SA7 S2\" id=\"tl_86\">Liabilities from card transactions </span><span class=\"S17A1 SA7 S2\" id=\"tm_86\">75,544 </span><span class=\"S17A2 SA7 S2\" id=\"tn_86\">31,484 </span><span class=\"S17A3 SA7 S2\" id=\"to_86\">Accounts payable </span><span class=\"S17A4 SA7 S2\" id=\"tp_86\">56,828 </span><span class=\"S17A5 SA7 S2\" id=\"tq_86\">46,243 </span><span class=\"S17A6 SA7 S2\" id=\"tr_86\">Liabilities due to short positions </span><span class=\"S17A7 SA7 S2\" id=\"ts_86\">24,596 </span><span class=\"S17A8 SA7 S2\" id=\"tt_86\">16,904 </span><span class=\"S17A9 SA7 S2\" id=\"tu_86\">Giro clearing accounts </span><span class=\"S17AA SA7 S2\" id=\"tv_86\">32,133 </span><span class=\"S17AB SA7 S2\" id=\"tw_86\">14,830 </span><span class=\"S17AC SA7 S2\" id=\"tx_86\">Advances received from customers </span><span class=\"S17AD SA7 S2\" id=\"ty_86\">12,540 </span><span class=\"S17AE SA7 S2\" id=\"tz_86\">11,903 </span><span class=\"S17AF SA7 S2\" id=\"t10_86\">Liabilities from wages and other salary related payments </span><span class=\"S17B0 SA7 S2\" id=\"t11_86\">34,672 </span><span class=\"S17B1 SA7 S2\" id=\"t12_86\">13,092 </span><span class=\"S17B2 SA7 S2\" id=\"t13_86\">Loans from government </span><span class=\"S17B3 SA7 S2\" id=\"t14_86\">7,961 </span><span class=\"S17B4 SA7 S2\" id=\"t15_86\">5,851 </span><span class=\"S17B5 SA7 S2\" id=\"t16_86\">Dividend payable </span><span class=\"S17B6 SA7 S2\" id=\"t17_86\">207 </span><span class=\"S17B7 SA7 S2\" id=\"t18_86\">135 </span><span class=\"S17B8 SA7 S2\" id=\"t19_86\">Other financial liabilities </span><span class=\"S17B9 SA7 S2\" id=\"t1a_86\">82,387 </span><span class=\"S17BA SA7 S2\" id=\"t1b_86\">79,603 </span><span class=\"S17BB SB S2\" id=\"t1c_86\">Subtotal </span><span class=\"S17BC SB S2\" id=\"t1d_86\">582,280 </span><span class=\"S17BD SB S2\" id=\"t1e_86\">485,771 </span><span class=\"S17BE SB S2\" id=\"t1f_86\">Other non-financial liabilities </span><span class=\"S17BF SB S2\" id=\"t1g_86\">2022 </span><span class=\"S17C0 SB S2\" id=\"t1h_86\">2021 </span><span class=\"S17C1 SA7 S2\" id=\"t1i_86\">Clearing and giro settlement accounts </span><span class=\"S17C2 SA7 S2\" id=\"t1j_86\">46,800 </span><span class=\"S17C3 SA7 S2\" id=\"t1k_86\">48,715 </span><span class=\"S17C4 SA7 S2\" id=\"t1l_86\">Liabilities from social security contributions </span><span class=\"S17C5 SA7 S2\" id=\"t1m_86\">11,749 </span><span class=\"S17C6 SA7 S2\" id=\"t1n_86\">11,853 </span><span class=\"S17C7 SA7 S2\" id=\"t1o_86\">Accrued expenses on other non-financial liabilities </span><span class=\"S17C8 SA7 S2\" id=\"t1p_86\">13,647 </span><span class=\"S17C9 SA7 S2\" id=\"t1q_86\">13,029 </span><span class=\"S17CA SA7 S2\" id=\"t1r_86\">Liabilities related to housing loans </span><span class=\"S17CB SA7 S2\" id=\"t1s_86\">12,868 </span><span class=\"S17CC SA7 S2\" id=\"t1t_86\">11,428 </span><span class=\"S17CD SA7 S2\" id=\"t1u_86\">Insurance technical reserve </span><span class=\"S17CE SA7 S2\" id=\"t1v_86\">2,354 </span><span class=\"S17CF SA7 S2\" id=\"t1w_86\">3,416 </span><span class=\"S17D0 SA7 S2\" id=\"t1x_86\">Other non-financial liabilities </span><span class=\"S17D1 SA7 S2\" id=\"t1y_86\">37,956 </span><span class=\"S1449 SA7 S2\" id=\"t1z_86\">23,869 </span><span class=\"S17D2 SB S2\" id=\"t20_86\">Subtotal </span><span class=\"S17D3 SB S2\" id=\"t21_86\">125,374 </span><span class=\"S17D4 SB S2\" id=\"t22_86\">112,310 </span><span class=\"S17D5 SB S2\" id=\"t23_86\">Total </span><span class=\"S17D6 SB S2\" id=\"t24_86\">707,654 </span><span class=\"S17D7 SB S2\" id=\"t25_86\">598,081 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8169": {
   "value": "<span class=\"S1794 SB S2\" id=\"t9_86\">2022 </span><span class=\"S1795 SB S2\" id=\"ta_86\">2021 </span><span class=\"S1796 SB S2\" id=\"tb_86\">Other financial liabilities </span><span class=\"S1797 SA7 S2\" id=\"tc_86\">Liabilities connected to Cafeteria benefits </span><span class=\"S1798 SA7 S2\" id=\"td_86\">91,001 </span><span class=\"S1799 SA7 S2\" id=\"te_86\">114,867 </span><span class=\"S179A SA7 S2\" id=\"tf_86\">Liabilities from investment services </span><span class=\"S179B SA7 S2\" id=\"tg_86\">108,513 </span><span class=\"S179C SA7 S2\" id=\"th_86\">92,612 </span><span class=\"S179D SA7 S2\" id=\"ti_86\">Accrued expenses on other financial liabilities </span><span class=\"S179E SA7 S2\" id=\"tj_86\">55,898 </span><span class=\"S179F SA7 S2\" id=\"tk_86\">58,247 </span><span class=\"S17A0 SA7 S2\" id=\"tl_86\">Liabilities from card transactions </span><span class=\"S17A1 SA7 S2\" id=\"tm_86\">75,544 </span><span class=\"S17A2 SA7 S2\" id=\"tn_86\">31,484 </span><span class=\"S17A3 SA7 S2\" id=\"to_86\">Accounts payable </span><span class=\"S17A4 SA7 S2\" id=\"tp_86\">56,828 </span><span class=\"S17A5 SA7 S2\" id=\"tq_86\">46,243 </span><span class=\"S17A6 SA7 S2\" id=\"tr_86\">Liabilities due to short positions </span><span class=\"S17A7 SA7 S2\" id=\"ts_86\">24,596 </span><span class=\"S17A8 SA7 S2\" id=\"tt_86\">16,904 </span><span class=\"S17A9 SA7 S2\" id=\"tu_86\">Giro clearing accounts </span><span class=\"S17AA SA7 S2\" id=\"tv_86\">32,133 </span><span class=\"S17AB SA7 S2\" id=\"tw_86\">14,830 </span><span class=\"S17AC SA7 S2\" id=\"tx_86\">Advances received from customers </span><span class=\"S17AD SA7 S2\" id=\"ty_86\">12,540 </span><span class=\"S17AE SA7 S2\" id=\"tz_86\">11,903 </span><span class=\"S17AF SA7 S2\" id=\"t10_86\">Liabilities from wages and other salary related payments </span><span class=\"S17B0 SA7 S2\" id=\"t11_86\">34,672 </span><span class=\"S17B1 SA7 S2\" id=\"t12_86\">13,092 </span><span class=\"S17B2 SA7 S2\" id=\"t13_86\">Loans from government </span><span class=\"S17B3 SA7 S2\" id=\"t14_86\">7,961 </span><span class=\"S17B4 SA7 S2\" id=\"t15_86\">5,851 </span><span class=\"S17B5 SA7 S2\" id=\"t16_86\">Dividend payable </span><span class=\"S17B6 SA7 S2\" id=\"t17_86\">207 </span><span class=\"S17B7 SA7 S2\" id=\"t18_86\">135 </span><span class=\"S17B8 SA7 S2\" id=\"t19_86\">Other financial liabilities </span><span class=\"S17B9 SA7 S2\" id=\"t1a_86\">82,387 </span><span class=\"S17BA SA7 S2\" id=\"t1b_86\">79,603 </span><span class=\"S17BB SB S2\" id=\"t1c_86\">Subtotal </span><span class=\"S17BC SB S2\" id=\"t1d_86\">582,280 </span><span class=\"S17BD SB S2\" id=\"t1e_86\">485,771 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradeAndOtherPayablesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8246": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_87\">NOTE 24: </span><span class=\"S13E0 SB S2\" id=\"t4_87\">PROVISIONS AND OTHER LIABILITIES (in HUF mn) [continued] </span><span class=\"S17D8 SA7 S2\" id=\"t5_87\">The provisions are detailed as follows: </span><span class=\"S1053 SB S2\" id=\"t6_87\">2022 </span><span class=\"S1054 SB S2\" id=\"t7_87\">2021 </span><span class=\"S17D9 SA7 S2\" id=\"t8_87\">Commitments and guarantees given </span><span class=\"S17DA SA7 S2\" id=\"t9_87\">63,372 </span><span class=\"S17DB SA7 S2\" id=\"ta_87\">51,990 </span><span class=\"S17DC SB S2\" id=\"tb_87\">Total provision according to IFRS 9 </span><span class=\"S1788 SB S2\" id=\"tc_87\">63,372 </span><span class=\"S17DD SB S2\" id=\"td_87\">51,990 </span><span class=\"S17DE SA7 S2\" id=\"te_87\">Pending legal issues and tax litigation </span><span class=\"S178E SA7 S2\" id=\"tf_87\">37,043 </span><span class=\"S178F SA7 S2\" id=\"tg_87\">35,354 </span><span class=\"S17DF SA7 S2\" id=\"th_87\">Pensions and other retirement </span><span class=\"S17E0 SA7 S2\" id=\"ti_87\">benefit obligations </span><span class=\"S17E1 SA7 S2\" id=\"tj_87\">8,225 </span><span class=\"S17E2 SA7 S2\" id=\"tk_87\">9,308 </span><span class=\"S17E3 SA7 S2\" id=\"tl_87\">Other long-term employee benefits </span><span class=\"S17E4 SA7 S2\" id=\"tm_87\">1,331 </span><span class=\"S17E5 SA7 S2\" id=\"tn_87\">910 </span><span class=\"S17E6 SA7 S2\" id=\"to_87\">Restructuring </span><span class=\"S17E7 SA7 S2\" id=\"tp_87\">1,256 </span><span class=\"S17E8 SA7 S2\" id=\"tq_87\">1,801 </span><span class=\"S17E9 SA7 S2\" id=\"tr_87\">Provision due to CHF loans conversion </span><span class=\"S17EA SA7 S2\" id=\"ts_87\">at foreign subsidiaries </span><span class=\"S17EB SA7 S2\" id=\"tt_87\">900 </span><span class=\"S17EC SA7 S2\" id=\"tu_87\">1,285 </span><span class=\"S17ED SA7 S2\" id=\"tv_87\">Other provision </span><span class=\"S17EE SA7 S2\" id=\"tw_87\">19,494 </span><span class=\"S17EF SA7 S2\" id=\"tx_87\">19,151 </span><span class=\"S17F0 SB S2\" id=\"ty_87\">Total provision according to IAS 37 </span><span class=\"S1076 SB S2\" id=\"tz_87\">68,249 </span><span class=\"S1077 SB S2\" id=\"t10_87\">67,809 </span><span class=\"S17F1 SB S2\" id=\"t11_87\">Total </span><span class=\"S17F2 SB S2\" id=\"t12_87\">131,621 </span><span class=\"S17F3 SB S2\" id=\"t13_87\">119,799 </span><span class=\"S17F4 SA7 S2\" id=\"t14_87\">The movements of provisions according to IFRS 9 can be summarized as follows: </span><span class=\"S1433 SB S2\" id=\"t15_87\">2022 </span><span class=\"S1434 SB S2\" id=\"t16_87\">2021 </span><span class=\"S17F5 SB S2\" id=\"t17_87\">Balance as at 1 January </span><span class=\"S1436 SB S2\" id=\"t18_87\">51,990 </span><span class=\"S1437 SB S2\" id=\"t19_87\">54,810 </span><span class=\"S17F6 SA7 S2\" id=\"t1a_87\">Provision for the period </span><span class=\"S17F7 SA7 S2\" id=\"t1b_87\">102,928 </span><span class=\"S143A SA7 S2\" id=\"t1c_87\">28,869 </span><span class=\"S17F8 SA7 S2\" id=\"t1d_87\">Release of provision for the period </span><span class=\"S17F9 SA7 S2\" id=\"t1e_87\">(96,783) </span><span class=\"S17FA SA7 S2\" id=\"t1f_87\">(28,770) </span><span class=\"S17FB SA7 S2\" id=\"t1g_87\">Use of provision </span><span class=\"S17FC SA7 S2\" id=\"t1h_87\">(293) </span><span class=\"S17FD SA7 S2\" id=\"t1i_87\">(7) </span><span class=\"S17FE SA7 S2\" id=\"t1j_87\">Change due to acquisition </span><span class=\"S17FF SA7 S2\" id=\"t1k_87\">21 </span><span class=\"S1800 SA7 S2\" id=\"t1l_87\">- </span><span class=\"S1801 SA7 S2\" id=\"t1m_87\">Transfer </span><span class=\"S1802 SA7 S2\" id=\"t1n_87\">- </span><span class=\"S1446 SA7 S2\" id=\"t1o_87\">(4,426) </span><span class=\"S1803 SA7 S2\" id=\"t1p_87\">Foreign currency translation differences </span><span class=\"S1804 SA7 S2\" id=\"t1q_87\">5,509 </span><span class=\"S1805 SA7 S2\" id=\"t1r_87\">1,514 </span><span class=\"S1806 SB S2\" id=\"t1s_87\">Closing balance </span><span class=\"S1807 SB S2\" id=\"t1t_87\">63,372 </span><span class=\"S1808 SB S2\" id=\"t1u_87\">51,990 </span><span class=\"S1809 SA7 S2\" id=\"t1v_87\">The movements of provisions according to IAS 37 can be summarized as follows: </span><span class=\"S180A SB S2\" id=\"t1w_87\">2022 </span><span class=\"S180B SB S2\" id=\"t1x_87\">2021 </span><span class=\"S180C SB S2\" id=\"t1y_87\">Balance as at 1 January </span><span class=\"S180D SB S2\" id=\"t1z_87\">67,809 </span><span class=\"S180E SB S2\" id=\"t20_87\">61,657 </span><span class=\"S180F SA7 S2\" id=\"t21_87\">Provision for the period </span><span class=\"S1810 SA7 S2\" id=\"t22_87\">27,290 </span><span class=\"S1811 SA7 S2\" id=\"t23_87\">37,924 </span><span class=\"S1812 SA7 S2\" id=\"t24_87\">Release of provision for the period </span><span class=\"S1813 SA7 S2\" id=\"t25_87\">(24,846) </span><span class=\"S1814 SA7 S2\" id=\"t26_87\">(27,167) </span><span class=\"S1815 SA7 S2\" id=\"t27_87\">Use of provision </span><span class=\"S1816 SA7 S2\" id=\"t28_87\">(6,878) </span><span class=\"S1817 SA7 S2\" id=\"t29_87\">(10,953) </span><span class=\"S1818 SA7 S2\" id=\"t2a_87\">Change due to actuarial gains or losses </span><span class=\"S1819 SA7 S2\" id=\"t2b_87\">related to employee benefits </span><span class=\"S181A SA7 S2\" id=\"t2c_87\">(1,098) </span><span class=\"S181B SA7 S2\" id=\"t2d_87\">(42) </span><span class=\"S181C SA7 S2\" id=\"t2e_87\">Change due to acquisition </span><span class=\"S181D SA7 S2\" id=\"t2f_87\">57 </span><span class=\"S181E SA7 S2\" id=\"t2g_87\">- </span><span class=\"S181F SA7 S2\" id=\"t2h_87\">Unwinding of the discounted amount </span><span class=\"S1820 SA7 S2\" id=\"t2i_87\">16 </span><span class=\"S1821 SA7 S2\" id=\"t2j_87\">7 </span><span class=\"S1822 SA7 S2\" id=\"t2k_87\">Transfer </span><span class=\"S1823 SA7 S2\" id=\"t2l_87\">- </span><span class=\"S1824 SA7 S2\" id=\"t2m_87\">4,426 </span><span class=\"S1825 SA7 S2\" id=\"t2n_87\">Foreign currency translation differences </span><span class=\"S1826 SA7 S2\" id=\"t2o_87\">5,899 </span><span class=\"S1827 SA7 S2\" id=\"t2p_87\">1,957 </span><span class=\"S1828 SB S2\" id=\"t2q_87\">Closing balance </span><span class=\"S1829 SB S2\" id=\"t2r_87\">68,249 </span><span class=\"S182A SB S2\" id=\"t2s_87\">67,809 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8353": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_88\">NOTE 25: </span><span class=\"S182B SB S2\" id=\"t4_88\">SUBORDINATED BONDS AND LOANS (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_88\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_88\">2021 </span><span class=\"SDBC SA7 S2\" id=\"t7_88\">Within one year </span><span class=\"SDBD SA7 S2\" id=\"t8_88\">In HUF </span><span class=\"S182C SA7 S2\" id=\"t9_88\">- </span><span class=\"S182D SA7 S2\" id=\"ta_88\">- </span><span class=\"SDC0 SA7 S2\" id=\"tb_88\">In foreign currency </span><span class=\"S182E SA7 S2\" id=\"tc_88\">3,395 </span><span class=\"SE36 SA7 S2\" id=\"td_88\">2,841 </span><span class=\"S1540 SB S2\" id=\"te_88\">3,395 </span><span class=\"S182F SB S2\" id=\"tf_88\">2,841 </span><span class=\"SDC5 SA7 S2\" id=\"tg_88\">Over one year </span><span class=\"SDC6 SA7 S2\" id=\"th_88\">In HUF </span><span class=\"S1830 SA7 S2\" id=\"ti_88\">- </span><span class=\"S14BD SA7 S2\" id=\"tj_88\">- </span><span class=\"SDC9 SA7 S2\" id=\"tk_88\">In foreign currency </span><span class=\"S14BE SA7 S2\" id=\"tl_88\">298,589 </span><span class=\"S1503 SA7 S2\" id=\"tm_88\">275,493 </span><span class=\"S14BF SB S2\" id=\"tn_88\">298,589 </span><span class=\"SDCD SB S2\" id=\"to_88\">275,493 </span><span class=\"S14C1 SB S2\" id=\"tp_88\">Total </span><span class=\"S14C2 SB S2\" id=\"tq_88\">301,984 </span><span class=\"S1547 SB S2\" id=\"tr_88\">278,334 </span><span class=\"S1831 SA7 S2\" id=\"ts_88\">Types of subordinated bonds and loans are as follows: </span><span class=\"S1832 SB S2\" id=\"tt_88\">2022 </span><span class=\"S1833 SB S2\" id=\"tu_88\">2021 </span><span class=\"S1834 SA7 S2\" id=\"tv_88\">Debt securities issued </span><span class=\"S1835 SA7 S2\" id=\"tw_88\">7,798 </span><span class=\"S1836 SA7 S2\" id=\"tx_88\">6,558 </span><span class=\"S1837 SA7 S2\" id=\"ty_88\">Loan received </span><span class=\"S1838 SA7 S2\" id=\"tz_88\">294,186 </span><span class=\"S1839 SA7 S2\" id=\"t10_88\">271,776 </span><span class=\"S183A SB S2\" id=\"t11_88\">Total </span><span class=\"S183B SB S2\" id=\"t12_88\">301,984 </span><span class=\"S183C SB S2\" id=\"t13_88\">278,334 </span><span class=\"S183D SA7 S2\" id=\"t14_88\">Interest rates on subordinated bonds and loans are as follows: </span><span class=\"S14EF SB S2\" id=\"t15_88\">2022 </span><span class=\"S14F0 SB S2\" id=\"t16_88\">2021 </span><span class=\"S183E SA7 S2\" id=\"t17_88\">Denominated in HUF </span><span class=\"S183F SA7 S2\" id=\"t18_88\">- </span><span class=\"S1840 SA7 S2\" id=\"t19_88\">- </span><span class=\"S1841 SA7 S2\" id=\"t1a_88\">Denominated in foreign currency </span><span class=\"S14F3 SA7 S2\" id=\"t1b_88\">2.90% - 5.00% </span><span class=\"S14F4 SA7 S2\" id=\"t1c_88\">2.50% - 5.00% </span><span class=\"S1842 SB S2\" id=\"t1d_88\">2022 </span><span class=\"S1843 SB S2\" id=\"t1e_88\">2021 </span><span class=\"S1844 SA7 S2\" id=\"t1f_88\">Average interest rates on subordinated bonds </span><span class=\"S1845 SA7 S2\" id=\"t1g_88\">and loans denominated in foreign currency </span><span class=\"S1846 SA7 S2\" id=\"t1h_88\">3.10% </span><span class=\"S1847 SA7 S2\" id=\"t1i_88\">2.75% </span><span class=\"S82C SB S2\" id=\"t1j_88\">Subordinated bonds and loans can be detailed as follows: </span><span class=\"S1848 S27D S2\" id=\"t1k_88\">Type </span><span class=\"S1849 S27D S2\" id=\"t1l_88\">Nominal </span><span class=\"S184A S27D S2\" id=\"t1m_88\">value </span><span class=\"S184B S27D S2\" id=\"t1n_88\">Date of </span><span class=\"S184C S27D S2\" id=\"t1o_88\">issuance </span><span class=\"S184D S27D S2\" id=\"t1p_88\">Date of </span><span class=\"S184E S27D S2\" id=\"t1q_88\">maturity </span><span class=\"S184F S27D S2\" id=\"t1r_88\">Issue </span><span class=\"S1850 S27D S2\" id=\"t1s_88\">price </span><span class=\"S1851 S27D S2\" id=\"t1t_88\">Interest conditions </span><span class=\"S1852 S27D S2\" id=\"t1u_88\">Interest rate </span><span class=\"S1853 S27D S2\" id=\"t1v_88\">as at 31 </span><span class=\"S1854 S27D S2\" id=\"t1w_88\">December </span><span class=\"S1855 S27D S2\" id=\"t1x_88\">2022 </span><span class=\"S1856 S27E S2\" id=\"t1y_88\">Subordinated </span><span class=\"S1857 S27E S2\" id=\"t1z_88\">bond </span><span class=\"S1858 S27E S2\" id=\"t20_88\">EUR 231 </span><span class=\"S1859 S27E S2\" id=\"t21_88\">million </span><span class=\"S185A S27E S2\" id=\"t22_88\">07/11/2006 </span><span class=\"S185B S27E S2\" id=\"t23_88\">Perpetual </span><span class=\"S185C S27E S2\" id=\"t24_88\">99.375% </span><span class=\"S185D S27E S2\" id=\"t25_88\">Three-month EURIBOR + </span><span class=\"S185E S27E S2\" id=\"t26_88\">3%, variable after year 10 </span><span class=\"S185F S27E S2\" id=\"t27_88\">(payable quarterly) </span><span class=\"S1860 S27E S2\" id=\"t28_88\">4.742% </span><span class=\"S1861 S27E S2\" id=\"t29_88\">Subordinated </span><span class=\"S1862 S27E S2\" id=\"t2a_88\">bond </span><span class=\"S1863 S27E S2\" id=\"t2b_88\">EUR 499 </span><span class=\"S1864 S27E S2\" id=\"t2c_88\">million </span><span class=\"S1865 S27E S2\" id=\"t2d_88\">15/07/2019 </span><span class=\"S1866 S27E S2\" id=\"t2e_88\">15/07/2029 </span><span class=\"S1867 S27E S2\" id=\"t2f_88\">99.738% </span><span class=\"S1868 S27E S2\" id=\"t2g_88\">Fixed 2.875% annual in the </span><span class=\"S1869 S27E S2\" id=\"t2h_88\">first 5 years and callable after </span><span class=\"S186A S27E S2\" id=\"t2i_88\">5 years, starting from year 6 </span><span class=\"S186B S27E S2\" id=\"t2j_88\">fix coupon (payable annually) </span><span class=\"S186C S27E S2\" id=\"t2k_88\">is calculated as a sum of the </span><span class=\"S186D S27E S2\" id=\"t2l_88\">initial margin (320 basis </span><span class=\"S186E S27E S2\" id=\"t2m_88\">point) and the 5 year mid- </span><span class=\"S186F S27E S2\" id=\"t2n_88\">swap rate prevailing at the end </span><span class=\"S1870 S27E S2\" id=\"t2o_88\">of the 5 year. </span><span class=\"S1871 S27E S2\" id=\"t2p_88\">2.875% </span><span class=\"S1872 S27E S2\" id=\"t2q_88\">Subordinated </span><span class=\"S1873 S27E S2\" id=\"t2r_88\">loan </span><span class=\"S1874 S27E S2\" id=\"t2s_88\">USD 17.0 </span><span class=\"S1875 S27E S2\" id=\"t2t_88\">million </span><span class=\"S1876 S27E S2\" id=\"t2u_88\">05/06/2018 </span><span class=\"S1877 S27E S2\" id=\"t2v_88\">30/06/2025 </span><span class=\"S1878 S27E S2\" id=\"t2w_88\">100.00% </span><span class=\"S1879 S27E S2\" id=\"t2x_88\">Bullet repayment, once at the </span><span class=\"S187A S27E S2\" id=\"t2y_88\">end of the loan agreement </span><span class=\"S187B S27E S2\" id=\"t2z_88\">5.00% </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8467": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_89\">NOTE 26: </span><span class=\"S187C SB S2\" id=\"t4_89\">SHARE CAPITAL (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_89\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_89\">2021 </span><span class=\"S187D SA7 S2\" id=\"t7_89\">Authorized, issued and fully paid: </span><span class=\"S187E SA7 S2\" id=\"t8_89\">Ordinary shares </span><span class=\"SE32 SA7 S2\" id=\"t9_89\">28,000 </span><span class=\"SE33 SA7 S2\" id=\"ta_89\">28,000 </span><span class=\"S187F S5B9 S2\" id=\"tb_89\">Share capital is the portion of the Bank\u2019s equity that has been obtained by the issue of </span><span class=\"S1880 SA7 S2\" id=\"tc_89\">shares in the corporation to </span><span class=\"S1881 SA7 S2\" id=\"td_89\">a shareholder, usually for cash. </span><span class=\"S1882 SA7 S2\" id=\"te_89\">The nominal value of the shares is HUF 100 per shares. All of the shares are ordinary shares representing the same </span><span class=\"S1883 SA7 S2\" id=\"tf_89\">rights to the shareholders. Furthermore, there are no restrictions on the distribution of dividends and the repayment </span><span class=\"S1884 SA7 S2\" id=\"tg_89\">of capital. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8468": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_89\">NOTE 26: </span><span class=\"S187C SB S2\" id=\"t4_89\">SHARE CAPITAL (in HUF mn) </span><span class=\"SDBA SB S2\" id=\"t5_89\">2022 </span><span class=\"SDBB SB S2\" id=\"t6_89\">2021 </span><span class=\"S187D SA7 S2\" id=\"t7_89\">Authorized, issued and fully paid: </span><span class=\"S187E SA7 S2\" id=\"t8_89\">Ordinary shares </span><span class=\"SE32 SA7 S2\" id=\"t9_89\">28,000 </span><span class=\"SE33 SA7 S2\" id=\"ta_89\">28,000 </span><span class=\"S187F S5B9 S2\" id=\"tb_89\">Share capital is the portion of the Bank\u2019s equity that has been obtained by the issue of </span><span class=\"S1880 SA7 S2\" id=\"tc_89\">shares in the corporation to </span><span class=\"S1881 SA7 S2\" id=\"td_89\">a shareholder, usually for cash. </span><span class=\"S1882 SA7 S2\" id=\"te_89\">The nominal value of the shares is HUF 100 per shares. All of the shares are ordinary shares representing the same </span><span class=\"S1883 SA7 S2\" id=\"tf_89\">rights to the shareholders. Furthermore, there are no restrictions on the distribution of dividends and the repayment </span><span class=\"S1884 SA7 S2\" id=\"tg_89\">of capital. </span><span class=\"SFA4 SB S2\" id=\"t3_90\">NOTE 27: </span><span class=\"S7A3 SB S2\" id=\"t4_90\">RETAINED EARNINGS AND RESERVES (in HUF mn) </span><span class=\"S1885 SA7 S2\" id=\"t5_90\">In 2021, the Bank did not pay dividend based on the earlier NBH warnings issued due to covid moratoria. In 2022 </span><span class=\"S1886 SA7 S2\" id=\"t6_90\">dividend of HUF 119 billion from the profit of years 2019 and 2020 and HUF 1 billion from the profit of year </span><span class=\"S1887 SA7 S2\" id=\"t7_90\">2021 (totally HUF 120 billion) was paid out, which meant HUF 425.89 (for the year 2019 and 2020) and HUF </span><span class=\"S1888 SA7 S2\" id=\"t8_90\">3.57 (for the year 2021) dividend per share payable to shareholders. </span><span class=\"S1889 SA7 S2\" id=\"t9_90\">In 2023 dividend of HUF 84,000 million are expected to be proposed by the Management from the profit of the </span><span class=\"S5C0 SA7 S2\" id=\"ta_90\">year 2022, which means HUF 300 dividend per share payable to the shareholders. </span><span class=\"S188A SA7 S2\" id=\"tb_90\">The retained earnings and reserves according to IFRS contains the retained earnings (HUF 774,151 million and </span><span class=\"S188B SA7 S2\" id=\"tc_90\">HUF 844,343 million) and reserves (HUF 2,621,064 million and HUF 2,265,166 million) as at 31 December 2022 </span><span class=\"S188C SA7 S2\" id=\"td_90\">and 2021, respectively. The reserves include mainly the option reserve, other reserves, the fair value adjustment </span><span class=\"S188D SA7 S2\" id=\"te_90\">of financial instruments at fair value through other comprehensive income, share-based payment reserve, fair value </span><span class=\"S188E S5B9 S2\" id=\"tf_90\">of hedge transactions, additional reserves of Income Certificates Exchangeable for Shares (\u201cICES\u201d), changes in </span><span class=\"S188F SA7 S2\" id=\"tg_90\">equity accumulated in the previous years at the subsidiaries and due to consolidation as well as translation of </span><span class=\"S1890 SA7 S2\" id=\"th_90\">foreign exchange differences. </span><span class=\"S1891 SA7 S2\" id=\"ti_90\">In the Consolidated Financial Statements, the Group recognizes the non-monetary items at historical cost. The </span><span class=\"S1892 SA7 S2\" id=\"tj_90\">difference between the historical cost of the non-monetary items in forint amount and the translated foreign </span><span class=\"S1893 SA7 S2\" id=\"tk_90\">currencies into the presentation currency using the exchange rate at the balance sheet date, is presented in the </span><span class=\"S1894 S5B9 S2\" id=\"tl_90\">shareholders\u2019 equity as a translation difference. </span><span class=\"S1895 SA7 S2\" id=\"tm_90\">The accumulated amounts of exchange differences were HUF </span><span class=\"S1896 SA7 S2\" id=\"tn_90\">237,853 million and HUF 58,164 million as at 31 December 2022 and 2021, respectively. </span><span class=\"S1897 SA7 S2\" id=\"to_90\">On 19 October 2006, the Bank sold 14.5 million Treasury shares owned by the Group through an issue of ICES. </span><span class=\"S10FB SA7 S2\" id=\"tp_90\">Within the transaction 10 million shares owned by OTP Bank, and a further 4.5 million shares owned by the Group </span><span class=\"S1898 SA7 S2\" id=\"tq_90\">were sold during the underwriting period of ICES on the weighted average market price (HUF 7,080) of the </span><span class=\"S1899 S5B9 S2\" id=\"tr_90\">Budapest Stock Exchange. The shares have been purchased by Opus Securities S.A. (\u201cOPUS\u201d), which issued an </span><span class=\"S189A SA7 S2\" id=\"ts_90\">exchangeable bond with a total face value of EUR 514,274,000 backed by those shares. The exchangeable bonds </span><span class=\"S189B SA7 S2\" id=\"tt_90\">have been sold at a 32% premium over the selling price of the shares. The EUR denominated exchangeable bonds </span><span class=\"S189C SA7 S2\" id=\"tu_90\">were perpetual and the investors could have exercised the conversion right between years 6 and 10. The bonds </span><span class=\"S189D SA7 S2\" id=\"tv_90\">carried a fixed coupon of 3.95% during the first 10 years, and thereafter the Issuer had the right to redeem the </span><span class=\"S189E SA7 S2\" id=\"tw_90\">bonds at face value. Following year 10, the bonds carried a coupon of 3-month EURIBOR +3%. </span><span class=\"S189F SA7 S2\" id=\"tx_90\">OTP Bank had </span><span class=\"S18A0 SA7 S2\" id=\"ty_90\">a discretional right to cancel the interest payments. The interest payable was non-cumulative. </span><span class=\"S18A1 SA7 S2\" id=\"tz_90\">Due to the conditions described above, ICES was accounted as an equity instrument and therefore any payment </span><span class=\"S18A2 SA7 S2\" id=\"t10_90\">was accounted as equity distribution paid to ICES holders. </span><span class=\"S18A3 SA7 S2\" id=\"t11_90\">On 14 September 2021 the Bank decided to terminate the subordinated swap agreement related to ICES transaction </span><span class=\"S18A4 SA7 S2\" id=\"t12_90\">as at 29 October 2021, and to exercise its option for repurchasing approximately 14.5 million OTP ordinary shares </span><span class=\"S18A5 SA7 S2\" id=\"t13_90\">held by Opus at market price based on the swap agreement. On the same day, the Bank recognised liability due to </span><span class=\"S18A6 S5B9 S2\" id=\"t14_90\">Opus as a reduction of EUR 514 million in the shareholder\u2019s equity. </span><span class=\"S18A7 SA7 S2\" id=\"t15_90\">Treasury shares were repurchased on 29 October 2021 on a price HUF 18,118 and on the same day the swap </span><span class=\"S18A8 SA7 S2\" id=\"t16_90\">transaction w</span><span class=\"S18A9 S5B9 S2\" id=\"t17_90\">as financially settled. As a result of the closure of the subordinated swap agreement the Bank\u2019s </span><span class=\"S18AA S5B9 S2\" id=\"t18_90\">shareholder\u2019s equity increased by HUF 75,421 million, the Group\u2019s shareholders\u2019 equity increased by HUF 35,063 </span><span class=\"S7FC SA7 S2\" id=\"t19_90\">million. </span><span class=\"S18AB SA7 S2\" id=\"t1a_90\">Approximately 12 million pieces of tre</span><span class=\"S18AC S5B9 S2\" id=\"t1b_90\">asury shares were sold to OTP SECOP I. (\u201cOTP Special Employee Stock </span><span class=\"S18AD S5B9 S2\" id=\"t1c_90\">Ownership Program\u201d) and OTP SECOP II. </span><span class=\"SFA4 SB S2\" id=\"t3_91\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_91\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S10EC SB S2\" id=\"t5_91\">Retained earnings </span><span class=\"S18AE SA7 S2\" id=\"t6_91\">Profit of previous years generated by the Group that are not distributed to shareholders as dividends. </span><span class=\"S18AF SB S2\" id=\"t7_91\">Other reserves </span><span class=\"S18B0 SA7 S2\" id=\"t8_91\">The other reserves contain separated reserves due to statutory provisions. </span><span class=\"S18B1 SB S2\" id=\"t9_91\">Option reserve </span><span class=\"S18B2 SA7 S2\" id=\"ta_91\">OTP Bank Plc and MOL Plc entered into a share swap agreement in 16 April 2009, whereby OTP has changed </span><span class=\"S18B3 S5B9 S2\" id=\"tb_91\">24,000,000 OTP ordinary shares for 5,010,501 \u201eA series\u201d MOL shares. The amended final maturity of the share </span><span class=\"S9FC SA7 S2\" id=\"tc_91\">swap agreement is 11 July 2027, until which any party can initiate cash or physical settlement of the transaction. </span><span class=\"S18B4 SA7 S2\" id=\"td_91\">Option reserve represents the written put option over OTP ordinary shares were accounted as a deduction from </span><span class=\"S18B5 SA7 S2\" id=\"te_91\">equity at the date of OTP-MOL share swap transaction. </span><span class=\"S18B6 SB S2\" id=\"tf_91\">Share-based payment reserve </span><span class=\"S18B7 SA7 S2\" id=\"tg_91\">Share-based payment reserve represents the increase in the equity due to the goods or services were received by </span><span class=\"S18B8 SA7 S2\" id=\"th_91\">the Bank in an equity-settled share-based payment transaction, valued at the fair value of the goods or services </span><span class=\"S18B9 SA7 S2\" id=\"ti_91\">received (see details in Note 40). </span><span class=\"S18BA SB S2\" id=\"tj_91\">Other comprehensive income </span><span class=\"S18BB SA7 S2\" id=\"tk_91\">Other comprehensive income comprises items of income and expense (including reclassification adjustments) that </span><span class=\"S18BC SA7 S2\" id=\"tl_91\">are not recognized in profit or loss as required or permitted by other IFRSs. </span><span class=\"S12DD SB S2\" id=\"tm_91\">Net investment hedge in foreign operations </span><span class=\"S18BD SA7 S2\" id=\"tn_91\">Reserve presented as net investment hedge in foreign operations in the sha</span><span class=\"S18BE S5B9 S2\" id=\"to_91\">rholders\u2019 equity is related to DSK Bank </span><span class=\"S18BF SA7 S2\" id=\"tp_91\">EAD, OTP banka d.d. and Crnogorska komercijalna banka a.d. </span><span class=\"SFA4 SB S2\" id=\"t3_92\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_92\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S18C0 SB S2\" id=\"t5_92\">Changes in equity accumulated in the previous year at the subsidiaries and due to consolidation </span><span class=\"S18C1 SA7 S2\" id=\"t6_92\">The accumulated changes at the subsidiaries contain the accumulated gains and losses of the subsidiaries from the </span><span class=\"S18C2 SA7 S2\" id=\"t7_92\">first day when they were included in the consolidation process. The changes due to consolidation contain the effect </span><span class=\"S18C3 SA7 S2\" id=\"t8_92\">on the result of the eliminations in the consolidation process of the previous years. </span><span class=\"S18C4 SB S2\" id=\"t9_92\">2022 </span><span class=\"S18C5 SB S2\" id=\"ta_92\">2021 </span><span class=\"S18C6 SA7 S2\" id=\"tb_92\">Retained earnings </span><span class=\"SF90 SA7 S2\" id=\"tc_92\">774,151 </span><span class=\"SF91 SA7 S2\" id=\"td_92\">844,343 </span><span class=\"S18C7 SA7 S2\" id=\"te_92\">Capital reserve </span><span class=\"S18C8 SA7 S2\" id=\"tf_92\">52 </span><span class=\"S18C9 SA7 S2\" id=\"tg_92\">52 </span><span class=\"S18CA SA7 S2\" id=\"th_92\">Option reserve </span><span class=\"S18CB SA7 S2\" id=\"ti_92\">(55,468) </span><span class=\"S18CC SA7 S2\" id=\"tj_92\">(55,468) </span><span class=\"S18CD SA7 S2\" id=\"tk_92\">Other reserves </span><span class=\"S18CE SA7 S2\" id=\"tl_92\">129,902 </span><span class=\"S18CF SA7 S2\" id=\"tm_92\">129,208 </span><span class=\"S18D0 SA7 S2\" id=\"tn_92\">Actuarial loss related to employee defined benefits </span><span class=\"S18D1 SA7 S2\" id=\"to_92\">544 </span><span class=\"S18D2 SA7 S2\" id=\"tp_92\">(471) </span><span class=\"S18D3 SA7 S2\" id=\"tq_92\">Fair value of financial instruments measured </span><span class=\"S18D4 SA7 S2\" id=\"tr_92\">at fair value through other comprehensive income </span><span class=\"S18D5 SA7 S2\" id=\"ts_92\">(107,676) </span><span class=\"S18D6 SA7 S2\" id=\"tt_92\">11,690 </span><span class=\"S18D7 SA7 S2\" id=\"tu_92\">Share-based payment reserve </span><span class=\"S18D8 SA7 S2\" id=\"tv_92\">49,110 </span><span class=\"S18D9 SA7 S2\" id=\"tw_92\">46,162 </span><span class=\"S18DA SA7 S2\" id=\"tx_92\">Net investment hedge in foreign operations </span><span class=\"S18DB SA7 S2\" id=\"ty_92\">(27,405) </span><span class=\"S18DC SA7 S2\" id=\"tz_92\">(27,405) </span><span class=\"S18DD SA7 S2\" id=\"t10_92\">Profit after income tax </span><span class=\"S18DE SA7 S2\" id=\"t11_92\">346,354 </span><span class=\"S18DF SA7 S2\" id=\"t12_92\">455,592 </span><span class=\"S18E0 SA7 S2\" id=\"t13_92\">Changes in equity accumulated in the previous </span><span class=\"S18E1 SA7 S2\" id=\"t14_92\">year at the subsidiaries and due to consolidation </span><span class=\"S18E2 SA7 S2\" id=\"t15_92\">2,047,798 </span><span class=\"S18E3 SA7 S2\" id=\"t16_92\">1,647,642 </span><span class=\"S18E4 SA7 S2\" id=\"t17_92\">Foreign currency translation differences </span><span class=\"S18E5 SA7 S2\" id=\"t18_92\">237,853 </span><span class=\"S18E6 SA7 S2\" id=\"t19_92\">58,164 </span><span class=\"S18E7 SB S2\" id=\"t1a_92\">Retained earnings and other reserves </span><span class=\"S18E8 S10A6 S2\" id=\"t1b_92\">1 </span><span class=\"S18E9 SB S2\" id=\"t1c_92\">3,395,215 </span><span class=\"S18EA SB S2\" id=\"t1d_92\">3,109,509 </span><span class=\"S18EB S482 S2\" id=\"t1e_92\">1 </span><span class=\"S18EC S483 S2\" id=\"t1f_92\">See more details in the Consolidated Statement of Comprehensive Income and in the Consolidated statement of </span><span class=\"S18ED S483 S2\" id=\"t1g_92\">Changes in equity on page </span><span class=\"S18EE S483 S2\" id=\"t1h_92\">6 and 7. </span><span class=\"S18EF SB S2\" id=\"t1i_92\">Fair value adjustment of securities at fair value </span><span class=\"S18F0 SB S2\" id=\"t1j_92\">through other comprehensive income </span><span class=\"S18F1 SB S2\" id=\"t1k_92\">2022 </span><span class=\"S18F2 SB S2\" id=\"t1l_92\">2021 </span><span class=\"S18F3 SB S2\" id=\"t1m_92\">Balance as at 1 January </span><span class=\"S18F4 SB S2\" id=\"t1n_92\">(7,653) </span><span class=\"S18F5 SB S2\" id=\"t1o_92\">43,958 </span><span class=\"S18F6 SA7 S2\" id=\"t1p_92\">Change of fair value </span><span class=\"S18F7 SA7 S2\" id=\"t1q_92\">(180,981) </span><span class=\"S18F8 SA7 S2\" id=\"t1r_92\">(49,621) </span><span class=\"S18F9 SA7 S2\" id=\"t1s_92\">Deferred tax related to change of fair value </span><span class=\"S18FA SA7 S2\" id=\"t1t_92\">22,401 </span><span class=\"S18FB SA7 S2\" id=\"t1u_92\">3,035 </span><span class=\"S18FC SA7 S2\" id=\"t1v_92\">Other transfer to retained earnings </span><span class=\"S18FD SA7 S2\" id=\"t1w_92\">- </span><span class=\"S18FE SA7 S2\" id=\"t1x_92\">(5,070) </span><span class=\"S18FF SA7 S2\" id=\"t1y_92\">Deferred tax related to other transfer to retained earnings </span><span class=\"S1900 SA7 S2\" id=\"t1z_92\">- </span><span class=\"S1901 SA7 S2\" id=\"t20_92\">457 </span><span class=\"S1902 SA7 S2\" id=\"t21_92\">Transfer to profit or loss due to derecognition </span><span class=\"S1903 SA7 S2\" id=\"t22_92\">1,040 </span><span class=\"S1904 SA7 S2\" id=\"t23_92\">(2,547) </span><span class=\"S1905 SA7 S2\" id=\"t24_92\">Deferred tax related to transfer to proft or loss </span><span class=\"S1906 SA7 S2\" id=\"t25_92\">(194) </span><span class=\"S1907 SA7 S2\" id=\"t26_92\">491 </span><span class=\"S1908 SA7 S2\" id=\"t27_92\">Foreign currency translation difference </span><span class=\"S1909 SA7 S2\" id=\"t28_92\">955 </span><span class=\"S190A SA7 S2\" id=\"t29_92\">1,644 </span><span class=\"S190B SB S2\" id=\"t2a_92\">Closing balance </span><span class=\"S190C SB S2\" id=\"t2b_92\">(164,432) </span><span class=\"S190D SB S2\" id=\"t2c_92\">(7,653) </span><span class=\"S190E SB S2\" id=\"t2d_92\">Expected credit loss on securities at fair value </span><span class=\"S190F SB S2\" id=\"t2e_92\">through other comprehensive income </span><span class=\"S1910 SB S2\" id=\"t2f_92\">2022 </span><span class=\"S1911 SB S2\" id=\"t2g_92\">2021 </span><span class=\"S1912 SB S2\" id=\"t2h_92\">Balance as at 1 January </span><span class=\"S1913 SB S2\" id=\"t2i_92\">6,710 </span><span class=\"S1914 SB S2\" id=\"t2j_92\">6,984 </span><span class=\"S1915 SA7 S2\" id=\"t2k_92\">Increase of loss allowance </span><span class=\"S1916 SA7 S2\" id=\"t2l_92\">40,664 </span><span class=\"S1917 SA7 S2\" id=\"t2m_92\">4,414 </span><span class=\"S1918 SA7 S2\" id=\"t2n_92\">Release of loss allowance </span><span class=\"S1919 SA7 S2\" id=\"t2o_92\">(11,391) </span><span class=\"S191A SA7 S2\" id=\"t2p_92\">(3,453) </span><span class=\"S191B SA7 S2\" id=\"t2q_92\">Decrease due to sale, derecognition </span><span class=\"S191C SA7 S2\" id=\"t2r_92\">(43) </span><span class=\"S191D SA7 S2\" id=\"t2s_92\">(1,749) </span><span class=\"S191E SA7 S2\" id=\"t2t_92\">Foreign currency translation difference </span><span class=\"S191F SA7 S2\" id=\"t2u_92\">3,685 </span><span class=\"S1920 SA7 S2\" id=\"t2v_92\">514 </span><span class=\"S1921 SB S2\" id=\"t2w_92\">Closing balance </span><span class=\"S1922 SB S2\" id=\"t2x_92\">39,625 </span><span class=\"S1923 SB S2\" id=\"t2y_92\">6,710 </span><span class=\"SFA4 SB S2\" id=\"t3_93\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_93\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S1924 SB S2\" id=\"t5_93\">Fair value changes of equity instruments as </span><span class=\"S1925 SB S2\" id=\"t6_93\">at fair value through other comprehensive income </span><span class=\"S1926 SB S2\" id=\"t7_93\">2022 </span><span class=\"S1927 SB S2\" id=\"t8_93\">2021 </span><span class=\"S1928 SB S2\" id=\"t9_93\">Balance as at 1 January </span><span class=\"S1768 SB S2\" id=\"ta_93\">12,633 </span><span class=\"S1769 SB S2\" id=\"tb_93\">10,454 </span><span class=\"S1929 SA7 S2\" id=\"tc_93\">Change of fair value </span><span class=\"S14D9 SA7 S2\" id=\"td_93\">5,394 </span><span class=\"S14DA SA7 S2\" id=\"te_93\">2,465 </span><span class=\"S192A SA7 S2\" id=\"tf_93\">Deferred tax related to change of fair value </span><span class=\"S192B SA7 S2\" id=\"tg_93\">(1,282) </span><span class=\"S192C SA7 S2\" id=\"th_93\">(361) </span><span class=\"S192D SA7 S2\" id=\"ti_93\">Transfer to retained earnings due to derecognition </span><span class=\"S192E SA7 S2\" id=\"tj_93\">- </span><span class=\"S192F SA7 S2\" id=\"tk_93\">(207) </span><span class=\"S1930 SA7 S2\" id=\"tl_93\">Foreign currency translation difference </span><span class=\"S1931 SA7 S2\" id=\"tm_93\">386 </span><span class=\"S1932 SA7 S2\" id=\"tn_93\">282 </span><span class=\"S1933 SB S2\" id=\"to_93\">Closing balance </span><span class=\"S14E2 SB S2\" id=\"tp_93\">17,131 </span><span class=\"S14E3 SB S2\" id=\"tq_93\">12,633 </span><span class=\"S1831 SB S2\" id=\"tr_93\">Actuarial loss related to defined employee benefits </span><span class=\"S1934 SB S2\" id=\"ts_93\">2022 </span><span class=\"S1935 SB S2\" id=\"tt_93\">2021 </span><span class=\"S1936 SB S2\" id=\"tu_93\">Balance as at 1 January </span><span class=\"S1937 SB S2\" id=\"tv_93\">(471) </span><span class=\"S1938 SB S2\" id=\"tw_93\">(513) </span><span class=\"S1939 SA7 S2\" id=\"tx_93\">Change of actuarial loss related to </span><span class=\"S193A SA7 S2\" id=\"ty_93\">employee benefits </span><span class=\"S193B SA7 S2\" id=\"tz_93\">1,097 </span><span class=\"S193C SA7 S2\" id=\"t10_93\">98 </span><span class=\"S193D SA7 S2\" id=\"t11_93\">Deferred tax related to change of actuarial loss related to </span><span class=\"S193E SA7 S2\" id=\"t12_93\">employee benefits </span><span class=\"S193F SA7 S2\" id=\"t13_93\">(43) </span><span class=\"S1940 SA7 S2\" id=\"t14_93\">(11) </span><span class=\"S1941 SA7 S2\" id=\"t15_93\">Foreign currency translation difference </span><span class=\"S1942 SA7 S2\" id=\"t16_93\">(39) </span><span class=\"S1943 SA7 S2\" id=\"t17_93\">(45) </span><span class=\"S1944 SB S2\" id=\"t18_93\">Closing balance </span><span class=\"S1945 SB S2\" id=\"t19_93\">544 </span><span class=\"S1946 SB S2\" id=\"t1a_93\">(471) </span><span class=\"S1947 SB S2\" id=\"t1b_93\">Foreign currency translation difference </span><span class=\"S1948 SB S2\" id=\"t1c_93\">2022 </span><span class=\"S1949 SB S2\" id=\"t1d_93\">2021 </span><span class=\"S194A SB S2\" id=\"t1e_93\">Balance as at 1 January </span><span class=\"S194B SB S2\" id=\"t1f_93\">58,164 </span><span class=\"S194C SB S2\" id=\"t1g_93\">(3,369) </span><span class=\"S194D SA7 S2\" id=\"t1h_93\">Change of foreign currency translation </span><span class=\"S194E SA7 S2\" id=\"t1i_93\">179,689 </span><span class=\"S194F SA7 S2\" id=\"t1j_93\">61,533 </span><span class=\"S1950 SB S2\" id=\"t1k_93\">Closing balance </span><span class=\"S1951 SB S2\" id=\"t1l_93\">237,853 </span><span class=\"S1952 SB S2\" id=\"t1m_93\">58,164 </span><span class=\"SFA4 SB S2\" id=\"t3_94\">NOTE 28: </span><span class=\"S1953 SB S2\" id=\"t4_94\">TREASURY SHARES (in HUF mn) </span><span class=\"SEDF SB S2\" id=\"t5_94\">2022 </span><span class=\"SEE0 SB S2\" id=\"t6_94\">2021 </span><span class=\"S1954 SA7 S2\" id=\"t7_94\">Nominal value (Ordinary shares) </span><span class=\"S1955 SA7 S2\" id=\"t8_94\">1,132 </span><span class=\"S1956 SA7 S2\" id=\"t9_94\">1,091 </span><span class=\"S13E5 SA7 S2\" id=\"ta_94\">Carrying value at acquisition cost </span><span class=\"S148E SA7 S2\" id=\"tb_94\">106,862 </span><span class=\"S148F SA7 S2\" id=\"tc_94\">106,941 </span><span class=\"S1957 SA7 S2\" id=\"td_94\">The changes in the carrying value of treasury shares are due to repurchase and sale transactions on market </span><span class=\"S1958 SA7 S2\" id=\"te_94\">authorised by the General Assembly. </span><span class=\"S1959 SA7 S2\" id=\"tf_94\">Change in number of shares: </span><span class=\"S195A SB S2\" id=\"tg_94\">2022 </span><span class=\"S195B SB S2\" id=\"th_94\">2021 </span><span class=\"S195C SB S2\" id=\"ti_94\">Number of shares as at 1 January </span><span class=\"S195D SB S2\" id=\"tj_94\">10,906,881 </span><span class=\"S195E SB S2\" id=\"tk_94\">23,924,900 </span><span class=\"S195F SA7 S2\" id=\"tl_94\">Additions </span><span class=\"S1960 SA7 S2\" id=\"tm_94\">1,801,256 </span><span class=\"S1961 SA7 S2\" id=\"tn_94\">16,251,451 </span><span class=\"S1962 SA7 S2\" id=\"to_94\">Disposals </span><span class=\"S1963 SA7 S2\" id=\"tp_94\">(1,390,041) </span><span class=\"S1964 SA7 S2\" id=\"tq_94\">(29,269,470) </span><span class=\"S1965 SB S2\" id=\"tr_94\">Closing number of shares </span><span class=\"S1966 SB S2\" id=\"ts_94\">11,318,096 </span><span class=\"S1967 SB S2\" id=\"tt_94\">10,906,881 </span><span class=\"S1968 SA7 S2\" id=\"tu_94\">Change in carrying value: </span><span class=\"S1969 SB S2\" id=\"tv_94\">2022 </span><span class=\"S196A SB S2\" id=\"tw_94\">2021 </span><span class=\"S196B SB S2\" id=\"tx_94\">Balance as at 1 January </span><span class=\"S196C SB S2\" id=\"ty_94\">106,941 </span><span class=\"S196D SB S2\" id=\"tz_94\">124,080 </span><span class=\"S196E SA7 S2\" id=\"t10_94\">Additions </span><span class=\"S196F SA7 S2\" id=\"t11_94\">16,268 </span><span class=\"S1970 SA7 S2\" id=\"t12_94\">276,433 </span><span class=\"S1971 SA7 S2\" id=\"t13_94\">Disposals </span><span class=\"S1972 SA7 S2\" id=\"t14_94\">(16,347) </span><span class=\"S1973 SA7 S2\" id=\"t15_94\">(293,572) </span><span class=\"S1974 SB S2\" id=\"t16_94\">Closing balance </span><span class=\"S1975 SB S2\" id=\"t17_94\">106,862 </span><span class=\"S1976 SB S2\" id=\"t18_94\">106,941 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8492": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_90\">NOTE 27: </span><span class=\"S7A3 SB S2\" id=\"t4_90\">RETAINED EARNINGS AND RESERVES (in HUF mn) </span><span class=\"S1885 SA7 S2\" id=\"t5_90\">In 2021, the Bank did not pay dividend based on the earlier NBH warnings issued due to covid moratoria. In 2022 </span><span class=\"S1886 SA7 S2\" id=\"t6_90\">dividend of HUF 119 billion from the profit of years 2019 and 2020 and HUF 1 billion from the profit of year </span><span class=\"S1887 SA7 S2\" id=\"t7_90\">2021 (totally HUF 120 billion) was paid out, which meant HUF 425.89 (for the year 2019 and 2020) and HUF </span><span class=\"S1888 SA7 S2\" id=\"t8_90\">3.57 (for the year 2021) dividend per share payable to shareholders. </span><span class=\"S1889 SA7 S2\" id=\"t9_90\">In 2023 dividend of HUF 84,000 million are expected to be proposed by the Management from the profit of the </span><span class=\"S5C0 SA7 S2\" id=\"ta_90\">year 2022, which means HUF 300 dividend per share payable to the shareholders. </span><span class=\"S188A SA7 S2\" id=\"tb_90\">The retained earnings and reserves according to IFRS contains the retained earnings (HUF 774,151 million and </span><span class=\"S188B SA7 S2\" id=\"tc_90\">HUF 844,343 million) and reserves (HUF 2,621,064 million and HUF 2,265,166 million) as at 31 December 2022 </span><span class=\"S188C SA7 S2\" id=\"td_90\">and 2021, respectively. The reserves include mainly the option reserve, other reserves, the fair value adjustment </span><span class=\"S188D SA7 S2\" id=\"te_90\">of financial instruments at fair value through other comprehensive income, share-based payment reserve, fair value </span><span class=\"S188E S5B9 S2\" id=\"tf_90\">of hedge transactions, additional reserves of Income Certificates Exchangeable for Shares (\u201cICES\u201d), changes in </span><span class=\"S188F SA7 S2\" id=\"tg_90\">equity accumulated in the previous years at the subsidiaries and due to consolidation as well as translation of </span><span class=\"S1890 SA7 S2\" id=\"th_90\">foreign exchange differences. </span><span class=\"S1891 SA7 S2\" id=\"ti_90\">In the Consolidated Financial Statements, the Group recognizes the non-monetary items at historical cost. The </span><span class=\"S1892 SA7 S2\" id=\"tj_90\">difference between the historical cost of the non-monetary items in forint amount and the translated foreign </span><span class=\"S1893 SA7 S2\" id=\"tk_90\">currencies into the presentation currency using the exchange rate at the balance sheet date, is presented in the </span><span class=\"S1894 S5B9 S2\" id=\"tl_90\">shareholders\u2019 equity as a translation difference. </span><span class=\"S1895 SA7 S2\" id=\"tm_90\">The accumulated amounts of exchange differences were HUF </span><span class=\"S1896 SA7 S2\" id=\"tn_90\">237,853 million and HUF 58,164 million as at 31 December 2022 and 2021, respectively. </span><span class=\"S1897 SA7 S2\" id=\"to_90\">On 19 October 2006, the Bank sold 14.5 million Treasury shares owned by the Group through an issue of ICES. </span><span class=\"S10FB SA7 S2\" id=\"tp_90\">Within the transaction 10 million shares owned by OTP Bank, and a further 4.5 million shares owned by the Group </span><span class=\"S1898 SA7 S2\" id=\"tq_90\">were sold during the underwriting period of ICES on the weighted average market price (HUF 7,080) of the </span><span class=\"S1899 S5B9 S2\" id=\"tr_90\">Budapest Stock Exchange. The shares have been purchased by Opus Securities S.A. (\u201cOPUS\u201d), which issued an </span><span class=\"S189A SA7 S2\" id=\"ts_90\">exchangeable bond with a total face value of EUR 514,274,000 backed by those shares. The exchangeable bonds </span><span class=\"S189B SA7 S2\" id=\"tt_90\">have been sold at a 32% premium over the selling price of the shares. The EUR denominated exchangeable bonds </span><span class=\"S189C SA7 S2\" id=\"tu_90\">were perpetual and the investors could have exercised the conversion right between years 6 and 10. The bonds </span><span class=\"S189D SA7 S2\" id=\"tv_90\">carried a fixed coupon of 3.95% during the first 10 years, and thereafter the Issuer had the right to redeem the </span><span class=\"S189E SA7 S2\" id=\"tw_90\">bonds at face value. Following year 10, the bonds carried a coupon of 3-month EURIBOR +3%. </span><span class=\"S189F SA7 S2\" id=\"tx_90\">OTP Bank had </span><span class=\"S18A0 SA7 S2\" id=\"ty_90\">a discretional right to cancel the interest payments. The interest payable was non-cumulative. </span><span class=\"S18A1 SA7 S2\" id=\"tz_90\">Due to the conditions described above, ICES was accounted as an equity instrument and therefore any payment </span><span class=\"S18A2 SA7 S2\" id=\"t10_90\">was accounted as equity distribution paid to ICES holders. </span><span class=\"S18A3 SA7 S2\" id=\"t11_90\">On 14 September 2021 the Bank decided to terminate the subordinated swap agreement related to ICES transaction </span><span class=\"S18A4 SA7 S2\" id=\"t12_90\">as at 29 October 2021, and to exercise its option for repurchasing approximately 14.5 million OTP ordinary shares </span><span class=\"S18A5 SA7 S2\" id=\"t13_90\">held by Opus at market price based on the swap agreement. On the same day, the Bank recognised liability due to </span><span class=\"S18A6 S5B9 S2\" id=\"t14_90\">Opus as a reduction of EUR 514 million in the shareholder\u2019s equity. </span><span class=\"S18A7 SA7 S2\" id=\"t15_90\">Treasury shares were repurchased on 29 October 2021 on a price HUF 18,118 and on the same day the swap </span><span class=\"S18A8 SA7 S2\" id=\"t16_90\">transaction w</span><span class=\"S18A9 S5B9 S2\" id=\"t17_90\">as financially settled. As a result of the closure of the subordinated swap agreement the Bank\u2019s </span><span class=\"S18AA S5B9 S2\" id=\"t18_90\">shareholder\u2019s equity increased by HUF 75,421 million, the Group\u2019s shareholders\u2019 equity increased by HUF 35,063 </span><span class=\"S7FC SA7 S2\" id=\"t19_90\">million. </span><span class=\"S18AB SA7 S2\" id=\"t1a_90\">Approximately 12 million pieces of tre</span><span class=\"S18AC S5B9 S2\" id=\"t1b_90\">asury shares were sold to OTP SECOP I. (\u201cOTP Special Employee Stock </span><span class=\"S18AD S5B9 S2\" id=\"t1c_90\">Ownership Program\u201d) and OTP SECOP II. </span><span class=\"SFA4 SB S2\" id=\"t3_91\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_91\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S10EC SB S2\" id=\"t5_91\">Retained earnings </span><span class=\"S18AE SA7 S2\" id=\"t6_91\">Profit of previous years generated by the Group that are not distributed to shareholders as dividends. </span><span class=\"S18AF SB S2\" id=\"t7_91\">Other reserves </span><span class=\"S18B0 SA7 S2\" id=\"t8_91\">The other reserves contain separated reserves due to statutory provisions. </span><span class=\"S18B1 SB S2\" id=\"t9_91\">Option reserve </span><span class=\"S18B2 SA7 S2\" id=\"ta_91\">OTP Bank Plc and MOL Plc entered into a share swap agreement in 16 April 2009, whereby OTP has changed </span><span class=\"S18B3 S5B9 S2\" id=\"tb_91\">24,000,000 OTP ordinary shares for 5,010,501 \u201eA series\u201d MOL shares. The amended final maturity of the share </span><span class=\"S9FC SA7 S2\" id=\"tc_91\">swap agreement is 11 July 2027, until which any party can initiate cash or physical settlement of the transaction. </span><span class=\"S18B4 SA7 S2\" id=\"td_91\">Option reserve represents the written put option over OTP ordinary shares were accounted as a deduction from </span><span class=\"S18B5 SA7 S2\" id=\"te_91\">equity at the date of OTP-MOL share swap transaction. </span><span class=\"S18B6 SB S2\" id=\"tf_91\">Share-based payment reserve </span><span class=\"S18B7 SA7 S2\" id=\"tg_91\">Share-based payment reserve represents the increase in the equity due to the goods or services were received by </span><span class=\"S18B8 SA7 S2\" id=\"th_91\">the Bank in an equity-settled share-based payment transaction, valued at the fair value of the goods or services </span><span class=\"S18B9 SA7 S2\" id=\"ti_91\">received (see details in Note 40). </span><span class=\"S18BA SB S2\" id=\"tj_91\">Other comprehensive income </span><span class=\"S18BB SA7 S2\" id=\"tk_91\">Other comprehensive income comprises items of income and expense (including reclassification adjustments) that </span><span class=\"S18BC SA7 S2\" id=\"tl_91\">are not recognized in profit or loss as required or permitted by other IFRSs. </span><span class=\"S12DD SB S2\" id=\"tm_91\">Net investment hedge in foreign operations </span><span class=\"S18BD SA7 S2\" id=\"tn_91\">Reserve presented as net investment hedge in foreign operations in the sha</span><span class=\"S18BE S5B9 S2\" id=\"to_91\">rholders\u2019 equity is related to DSK Bank </span><span class=\"S18BF SA7 S2\" id=\"tp_91\">EAD, OTP banka d.d. and Crnogorska komercijalna banka a.d. </span><span class=\"SFA4 SB S2\" id=\"t3_92\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_92\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S18C0 SB S2\" id=\"t5_92\">Changes in equity accumulated in the previous year at the subsidiaries and due to consolidation </span><span class=\"S18C1 SA7 S2\" id=\"t6_92\">The accumulated changes at the subsidiaries contain the accumulated gains and losses of the subsidiaries from the </span><span class=\"S18C2 SA7 S2\" id=\"t7_92\">first day when they were included in the consolidation process. The changes due to consolidation contain the effect </span><span class=\"S18C3 SA7 S2\" id=\"t8_92\">on the result of the eliminations in the consolidation process of the previous years. </span><span class=\"S18C4 SB S2\" id=\"t9_92\">2022 </span><span class=\"S18C5 SB S2\" id=\"ta_92\">2021 </span><span class=\"S18C6 SA7 S2\" id=\"tb_92\">Retained earnings </span><span class=\"SF90 SA7 S2\" id=\"tc_92\">774,151 </span><span class=\"SF91 SA7 S2\" id=\"td_92\">844,343 </span><span class=\"S18C7 SA7 S2\" id=\"te_92\">Capital reserve </span><span class=\"S18C8 SA7 S2\" id=\"tf_92\">52 </span><span class=\"S18C9 SA7 S2\" id=\"tg_92\">52 </span><span class=\"S18CA SA7 S2\" id=\"th_92\">Option reserve </span><span class=\"S18CB SA7 S2\" id=\"ti_92\">(55,468) </span><span class=\"S18CC SA7 S2\" id=\"tj_92\">(55,468) </span><span class=\"S18CD SA7 S2\" id=\"tk_92\">Other reserves </span><span class=\"S18CE SA7 S2\" id=\"tl_92\">129,902 </span><span class=\"S18CF SA7 S2\" id=\"tm_92\">129,208 </span><span class=\"S18D0 SA7 S2\" id=\"tn_92\">Actuarial loss related to employee defined benefits </span><span class=\"S18D1 SA7 S2\" id=\"to_92\">544 </span><span class=\"S18D2 SA7 S2\" id=\"tp_92\">(471) </span><span class=\"S18D3 SA7 S2\" id=\"tq_92\">Fair value of financial instruments measured </span><span class=\"S18D4 SA7 S2\" id=\"tr_92\">at fair value through other comprehensive income </span><span class=\"S18D5 SA7 S2\" id=\"ts_92\">(107,676) </span><span class=\"S18D6 SA7 S2\" id=\"tt_92\">11,690 </span><span class=\"S18D7 SA7 S2\" id=\"tu_92\">Share-based payment reserve </span><span class=\"S18D8 SA7 S2\" id=\"tv_92\">49,110 </span><span class=\"S18D9 SA7 S2\" id=\"tw_92\">46,162 </span><span class=\"S18DA SA7 S2\" id=\"tx_92\">Net investment hedge in foreign operations </span><span class=\"S18DB SA7 S2\" id=\"ty_92\">(27,405) </span><span class=\"S18DC SA7 S2\" id=\"tz_92\">(27,405) </span><span class=\"S18DD SA7 S2\" id=\"t10_92\">Profit after income tax </span><span class=\"S18DE SA7 S2\" id=\"t11_92\">346,354 </span><span class=\"S18DF SA7 S2\" id=\"t12_92\">455,592 </span><span class=\"S18E0 SA7 S2\" id=\"t13_92\">Changes in equity accumulated in the previous </span><span class=\"S18E1 SA7 S2\" id=\"t14_92\">year at the subsidiaries and due to consolidation </span><span class=\"S18E2 SA7 S2\" id=\"t15_92\">2,047,798 </span><span class=\"S18E3 SA7 S2\" id=\"t16_92\">1,647,642 </span><span class=\"S18E4 SA7 S2\" id=\"t17_92\">Foreign currency translation differences </span><span class=\"S18E5 SA7 S2\" id=\"t18_92\">237,853 </span><span class=\"S18E6 SA7 S2\" id=\"t19_92\">58,164 </span><span class=\"S18E7 SB S2\" id=\"t1a_92\">Retained earnings and other reserves </span><span class=\"S18E8 S10A6 S2\" id=\"t1b_92\">1 </span><span class=\"S18E9 SB S2\" id=\"t1c_92\">3,395,215 </span><span class=\"S18EA SB S2\" id=\"t1d_92\">3,109,509 </span><span class=\"S18EB S482 S2\" id=\"t1e_92\">1 </span><span class=\"S18EC S483 S2\" id=\"t1f_92\">See more details in the Consolidated Statement of Comprehensive Income and in the Consolidated statement of </span><span class=\"S18ED S483 S2\" id=\"t1g_92\">Changes in equity on page </span><span class=\"S18EE S483 S2\" id=\"t1h_92\">6 and 7. </span><span class=\"S18EF SB S2\" id=\"t1i_92\">Fair value adjustment of securities at fair value </span><span class=\"S18F0 SB S2\" id=\"t1j_92\">through other comprehensive income </span><span class=\"S18F1 SB S2\" id=\"t1k_92\">2022 </span><span class=\"S18F2 SB S2\" id=\"t1l_92\">2021 </span><span class=\"S18F3 SB S2\" id=\"t1m_92\">Balance as at 1 January </span><span class=\"S18F4 SB S2\" id=\"t1n_92\">(7,653) </span><span class=\"S18F5 SB S2\" id=\"t1o_92\">43,958 </span><span class=\"S18F6 SA7 S2\" id=\"t1p_92\">Change of fair value </span><span class=\"S18F7 SA7 S2\" id=\"t1q_92\">(180,981) </span><span class=\"S18F8 SA7 S2\" id=\"t1r_92\">(49,621) </span><span class=\"S18F9 SA7 S2\" id=\"t1s_92\">Deferred tax related to change of fair value </span><span class=\"S18FA SA7 S2\" id=\"t1t_92\">22,401 </span><span class=\"S18FB SA7 S2\" id=\"t1u_92\">3,035 </span><span class=\"S18FC SA7 S2\" id=\"t1v_92\">Other transfer to retained earnings </span><span class=\"S18FD SA7 S2\" id=\"t1w_92\">- </span><span class=\"S18FE SA7 S2\" id=\"t1x_92\">(5,070) </span><span class=\"S18FF SA7 S2\" id=\"t1y_92\">Deferred tax related to other transfer to retained earnings </span><span class=\"S1900 SA7 S2\" id=\"t1z_92\">- </span><span class=\"S1901 SA7 S2\" id=\"t20_92\">457 </span><span class=\"S1902 SA7 S2\" id=\"t21_92\">Transfer to profit or loss due to derecognition </span><span class=\"S1903 SA7 S2\" id=\"t22_92\">1,040 </span><span class=\"S1904 SA7 S2\" id=\"t23_92\">(2,547) </span><span class=\"S1905 SA7 S2\" id=\"t24_92\">Deferred tax related to transfer to proft or loss </span><span class=\"S1906 SA7 S2\" id=\"t25_92\">(194) </span><span class=\"S1907 SA7 S2\" id=\"t26_92\">491 </span><span class=\"S1908 SA7 S2\" id=\"t27_92\">Foreign currency translation difference </span><span class=\"S1909 SA7 S2\" id=\"t28_92\">955 </span><span class=\"S190A SA7 S2\" id=\"t29_92\">1,644 </span><span class=\"S190B SB S2\" id=\"t2a_92\">Closing balance </span><span class=\"S190C SB S2\" id=\"t2b_92\">(164,432) </span><span class=\"S190D SB S2\" id=\"t2c_92\">(7,653) </span><span class=\"S190E SB S2\" id=\"t2d_92\">Expected credit loss on securities at fair value </span><span class=\"S190F SB S2\" id=\"t2e_92\">through other comprehensive income </span><span class=\"S1910 SB S2\" id=\"t2f_92\">2022 </span><span class=\"S1911 SB S2\" id=\"t2g_92\">2021 </span><span class=\"S1912 SB S2\" id=\"t2h_92\">Balance as at 1 January </span><span class=\"S1913 SB S2\" id=\"t2i_92\">6,710 </span><span class=\"S1914 SB S2\" id=\"t2j_92\">6,984 </span><span class=\"S1915 SA7 S2\" id=\"t2k_92\">Increase of loss allowance </span><span class=\"S1916 SA7 S2\" id=\"t2l_92\">40,664 </span><span class=\"S1917 SA7 S2\" id=\"t2m_92\">4,414 </span><span class=\"S1918 SA7 S2\" id=\"t2n_92\">Release of loss allowance </span><span class=\"S1919 SA7 S2\" id=\"t2o_92\">(11,391) </span><span class=\"S191A SA7 S2\" id=\"t2p_92\">(3,453) </span><span class=\"S191B SA7 S2\" id=\"t2q_92\">Decrease due to sale, derecognition </span><span class=\"S191C SA7 S2\" id=\"t2r_92\">(43) </span><span class=\"S191D SA7 S2\" id=\"t2s_92\">(1,749) </span><span class=\"S191E SA7 S2\" id=\"t2t_92\">Foreign currency translation difference </span><span class=\"S191F SA7 S2\" id=\"t2u_92\">3,685 </span><span class=\"S1920 SA7 S2\" id=\"t2v_92\">514 </span><span class=\"S1921 SB S2\" id=\"t2w_92\">Closing balance </span><span class=\"S1922 SB S2\" id=\"t2x_92\">39,625 </span><span class=\"S1923 SB S2\" id=\"t2y_92\">6,710 </span><span class=\"SFA4 SB S2\" id=\"t3_93\">NOTE 27: </span><span class=\"S13E0 SB S2\" id=\"t4_93\">RETAINED EARNINGS AND RESERVES (in HUF mn) [continued] </span><span class=\"S1924 SB S2\" id=\"t5_93\">Fair value changes of equity instruments as </span><span class=\"S1925 SB S2\" id=\"t6_93\">at fair value through other comprehensive income </span><span class=\"S1926 SB S2\" id=\"t7_93\">2022 </span><span class=\"S1927 SB S2\" id=\"t8_93\">2021 </span><span class=\"S1928 SB S2\" id=\"t9_93\">Balance as at 1 January </span><span class=\"S1768 SB S2\" id=\"ta_93\">12,633 </span><span class=\"S1769 SB S2\" id=\"tb_93\">10,454 </span><span class=\"S1929 SA7 S2\" id=\"tc_93\">Change of fair value </span><span class=\"S14D9 SA7 S2\" id=\"td_93\">5,394 </span><span class=\"S14DA SA7 S2\" id=\"te_93\">2,465 </span><span class=\"S192A SA7 S2\" id=\"tf_93\">Deferred tax related to change of fair value </span><span class=\"S192B SA7 S2\" id=\"tg_93\">(1,282) </span><span class=\"S192C SA7 S2\" id=\"th_93\">(361) </span><span class=\"S192D SA7 S2\" id=\"ti_93\">Transfer to retained earnings due to derecognition </span><span class=\"S192E SA7 S2\" id=\"tj_93\">- </span><span class=\"S192F SA7 S2\" id=\"tk_93\">(207) </span><span class=\"S1930 SA7 S2\" id=\"tl_93\">Foreign currency translation difference </span><span class=\"S1931 SA7 S2\" id=\"tm_93\">386 </span><span class=\"S1932 SA7 S2\" id=\"tn_93\">282 </span><span class=\"S1933 SB S2\" id=\"to_93\">Closing balance </span><span class=\"S14E2 SB S2\" id=\"tp_93\">17,131 </span><span class=\"S14E3 SB S2\" id=\"tq_93\">12,633 </span><span class=\"S1831 SB S2\" id=\"tr_93\">Actuarial loss related to defined employee benefits </span><span class=\"S1934 SB S2\" id=\"ts_93\">2022 </span><span class=\"S1935 SB S2\" id=\"tt_93\">2021 </span><span class=\"S1936 SB S2\" id=\"tu_93\">Balance as at 1 January </span><span class=\"S1937 SB S2\" id=\"tv_93\">(471) </span><span class=\"S1938 SB S2\" id=\"tw_93\">(513) </span><span class=\"S1939 SA7 S2\" id=\"tx_93\">Change of actuarial loss related to </span><span class=\"S193A SA7 S2\" id=\"ty_93\">employee benefits </span><span class=\"S193B SA7 S2\" id=\"tz_93\">1,097 </span><span class=\"S193C SA7 S2\" id=\"t10_93\">98 </span><span class=\"S193D SA7 S2\" id=\"t11_93\">Deferred tax related to change of actuarial loss related to </span><span class=\"S193E SA7 S2\" id=\"t12_93\">employee benefits </span><span class=\"S193F SA7 S2\" id=\"t13_93\">(43) </span><span class=\"S1940 SA7 S2\" id=\"t14_93\">(11) </span><span class=\"S1941 SA7 S2\" id=\"t15_93\">Foreign currency translation difference </span><span class=\"S1942 SA7 S2\" id=\"t16_93\">(39) </span><span class=\"S1943 SA7 S2\" id=\"t17_93\">(45) </span><span class=\"S1944 SB S2\" id=\"t18_93\">Closing balance </span><span class=\"S1945 SB S2\" id=\"t19_93\">544 </span><span class=\"S1946 SB S2\" id=\"t1a_93\">(471) </span><span class=\"S1947 SB S2\" id=\"t1b_93\">Foreign currency translation difference </span><span class=\"S1948 SB S2\" id=\"t1c_93\">2022 </span><span class=\"S1949 SB S2\" id=\"t1d_93\">2021 </span><span class=\"S194A SB S2\" id=\"t1e_93\">Balance as at 1 January </span><span class=\"S194B SB S2\" id=\"t1f_93\">58,164 </span><span class=\"S194C SB S2\" id=\"t1g_93\">(3,369) </span><span class=\"S194D SA7 S2\" id=\"t1h_93\">Change of foreign currency translation </span><span class=\"S194E SA7 S2\" id=\"t1i_93\">179,689 </span><span class=\"S194F SA7 S2\" id=\"t1j_93\">61,533 </span><span class=\"S1950 SB S2\" id=\"t1k_93\">Closing balance </span><span class=\"S1951 SB S2\" id=\"t1l_93\">237,853 </span><span class=\"S1952 SB S2\" id=\"t1m_93\">58,164 </span><span class=\"SFA4 SB S2\" id=\"t3_94\">NOTE 28: </span><span class=\"S1953 SB S2\" id=\"t4_94\">TREASURY SHARES (in HUF mn) </span><span class=\"SEDF SB S2\" id=\"t5_94\">2022 </span><span class=\"SEE0 SB S2\" id=\"t6_94\">2021 </span><span class=\"S1954 SA7 S2\" id=\"t7_94\">Nominal value (Ordinary shares) </span><span class=\"S1955 SA7 S2\" id=\"t8_94\">1,132 </span><span class=\"S1956 SA7 S2\" id=\"t9_94\">1,091 </span><span class=\"S13E5 SA7 S2\" id=\"ta_94\">Carrying value at acquisition cost </span><span class=\"S148E SA7 S2\" id=\"tb_94\">106,862 </span><span class=\"S148F SA7 S2\" id=\"tc_94\">106,941 </span><span class=\"S1957 SA7 S2\" id=\"td_94\">The changes in the carrying value of treasury shares are due to repurchase and sale transactions on market </span><span class=\"S1958 SA7 S2\" id=\"te_94\">authorised by the General Assembly. </span><span class=\"S1959 SA7 S2\" id=\"tf_94\">Change in number of shares: </span><span class=\"S195A SB S2\" id=\"tg_94\">2022 </span><span class=\"S195B SB S2\" id=\"th_94\">2021 </span><span class=\"S195C SB S2\" id=\"ti_94\">Number of shares as at 1 January </span><span class=\"S195D SB S2\" id=\"tj_94\">10,906,881 </span><span class=\"S195E SB S2\" id=\"tk_94\">23,924,900 </span><span class=\"S195F SA7 S2\" id=\"tl_94\">Additions </span><span class=\"S1960 SA7 S2\" id=\"tm_94\">1,801,256 </span><span class=\"S1961 SA7 S2\" id=\"tn_94\">16,251,451 </span><span class=\"S1962 SA7 S2\" id=\"to_94\">Disposals </span><span class=\"S1963 SA7 S2\" id=\"tp_94\">(1,390,041) </span><span class=\"S1964 SA7 S2\" id=\"tq_94\">(29,269,470) </span><span class=\"S1965 SB S2\" id=\"tr_94\">Closing number of shares </span><span class=\"S1966 SB S2\" id=\"ts_94\">11,318,096 </span><span class=\"S1967 SB S2\" id=\"tt_94\">10,906,881 </span><span class=\"S1968 SA7 S2\" id=\"tu_94\">Change in carrying value: </span><span class=\"S1969 SB S2\" id=\"tv_94\">2022 </span><span class=\"S196A SB S2\" id=\"tw_94\">2021 </span><span class=\"S196B SB S2\" id=\"tx_94\">Balance as at 1 January </span><span class=\"S196C SB S2\" id=\"ty_94\">106,941 </span><span class=\"S196D SB S2\" id=\"tz_94\">124,080 </span><span class=\"S196E SA7 S2\" id=\"t10_94\">Additions </span><span class=\"S196F SA7 S2\" id=\"t11_94\">16,268 </span><span class=\"S1970 SA7 S2\" id=\"t12_94\">276,433 </span><span class=\"S1971 SA7 S2\" id=\"t13_94\">Disposals </span><span class=\"S1972 SA7 S2\" id=\"t14_94\">(16,347) </span><span class=\"S1973 SA7 S2\" id=\"t15_94\">(293,572) </span><span class=\"S1974 SB S2\" id=\"t16_94\">Closing balance </span><span class=\"S1975 SB S2\" id=\"t17_94\">106,862 </span><span class=\"S1976 SB S2\" id=\"t18_94\">106,941 </span><span class=\"SFA4 SB S2\" id=\"t3_95\">NOTE 29: </span><span class=\"S6E4 SB S2\" id=\"t4_95\">NON-CONTROLLING INTEREST (in HUF mn) </span><span class=\"SEDF SB S2\" id=\"t5_95\">2022 </span><span class=\"SEE0 SB S2\" id=\"t6_95\">2021 </span><span class=\"S13E2 SB S2\" id=\"t7_95\">Balance as at 1 January </span><span class=\"S1977 SB S2\" id=\"t8_95\">6,198 </span><span class=\"S1978 SB S2\" id=\"t9_95\">4,116 </span><span class=\"S1979 SA7 S2\" id=\"ta_95\">Increase due to business combination </span><span class=\"S197A SA7 S2\" id=\"tb_95\">- </span><span class=\"S197B SA7 S2\" id=\"tc_95\">1,041 </span><span class=\"S197C SA7 S2\" id=\"td_95\">Non-controlling interest included in net profit for the period </span><span class=\"S197D SA7 S2\" id=\"te_95\">727 </span><span class=\"SE3C SA7 S2\" id=\"tf_95\">836 </span><span class=\"S197E SA7 S2\" id=\"tg_95\">Purchase of non-controlling interest </span><span class=\"S197F SA7 S2\" id=\"th_95\">(886) </span><span class=\"S1980 SA7 S2\" id=\"ti_95\">- </span><span class=\"S1981 SA7 S2\" id=\"tj_95\">Foreign currency translation difference </span><span class=\"S1982 SA7 S2\" id=\"tk_95\">(80) </span><span class=\"S1393 SA7 S2\" id=\"tl_95\">205 </span><span class=\"S1983 SB S2\" id=\"tm_95\">Closing balance </span><span class=\"S1984 SB S2\" id=\"tn_95\">5,959 </span><span class=\"SE44 SB S2\" id=\"to_95\">6,198 </span><span class=\"S1985 SA7 S2\" id=\"tp_95\">The non-controlling interest is not significant in respect of the whole OTP Group. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8496": {
   "value": "<span class=\"S1885 SA7 S2\" id=\"t5_90\">In 2021, the Bank did not pay dividend based on the earlier NBH warnings issued due to covid moratoria. In 2022 </span><span class=\"S1886 SA7 S2\" id=\"t6_90\">dividend of HUF 119 billion from the profit of years 2019 and 2020 and HUF 1 billion from the profit of year </span><span class=\"S1887 SA7 S2\" id=\"t7_90\">2021 (totally HUF 120 billion) was paid out, which meant HUF 425.89 (for the year 2019 and 2020) and HUF </span><span class=\"S1888 SA7 S2\" id=\"t8_90\">3.57 (for the year 2021) dividend per share payable to shareholders. </span><span class=\"S1889 SA7 S2\" id=\"t9_90\">In 2023 dividend of HUF 84,000 million are expected to be proposed by the Management from the profit of the </span><span class=\"S5C0 SA7 S2\" id=\"ta_90\">year 2022, which means HUF 300 dividend per share payable to the shareholders. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8500": {
   "value": "425.89",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2020-01-01T00:00:00/2021-01-01T00:00:00",
    "unit": "iso4217:HUF/xbrli:shares"
   }
  },
  "f8502": {
   "value": "3.57",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2021-01-01T00:00:00/2022-01-01T00:00:00",
    "unit": "iso4217:HUF/xbrli:shares"
   }
  },
  "f8504": {
   "value": "84000000000",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:HUF"
   }
  },
  "f8506": {
   "value": "300",
   "decimals": 0,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00",
    "unit": "iso4217:HUF/xbrli:shares"
   }
  },
  "f8591": {
   "value": "<span class=\"S18C1 SA7 S2\" id=\"t6_92\">The accumulated changes at the subsidiaries contain the accumulated gains and losses of the subsidiaries from the </span><span class=\"S18C2 SA7 S2\" id=\"t7_92\">first day when they were included in the consolidation process. The changes due to consolidation contain the effect </span><span class=\"S18C3 SA7 S2\" id=\"t8_92\">on the result of the eliminations in the consolidation process of the previous years. </span><span class=\"S18C4 SB S2\" id=\"t9_92\">2022 </span><span class=\"S18C5 SB S2\" id=\"ta_92\">2021 </span><span class=\"S18C6 SA7 S2\" id=\"tb_92\">Retained earnings </span><span class=\"SF90 SA7 S2\" id=\"tc_92\">774,151 </span><span class=\"SF91 SA7 S2\" id=\"td_92\">844,343 </span><span class=\"S18C7 SA7 S2\" id=\"te_92\">Capital reserve </span><span class=\"S18C8 SA7 S2\" id=\"tf_92\">52 </span><span class=\"S18C9 SA7 S2\" id=\"tg_92\">52 </span><span class=\"S18CA SA7 S2\" id=\"th_92\">Option reserve </span><span class=\"S18CB SA7 S2\" id=\"ti_92\">(55,468) </span><span class=\"S18CC SA7 S2\" id=\"tj_92\">(55,468) </span><span class=\"S18CD SA7 S2\" id=\"tk_92\">Other reserves </span><span class=\"S18CE SA7 S2\" id=\"tl_92\">129,902 </span><span class=\"S18CF SA7 S2\" id=\"tm_92\">129,208 </span><span class=\"S18D0 SA7 S2\" id=\"tn_92\">Actuarial loss related to employee defined benefits </span><span class=\"S18D1 SA7 S2\" id=\"to_92\">544 </span><span class=\"S18D2 SA7 S2\" id=\"tp_92\">(471) </span><span class=\"S18D3 SA7 S2\" id=\"tq_92\">Fair value of financial instruments measured </span><span class=\"S18D4 SA7 S2\" id=\"tr_92\">at fair value through other comprehensive income </span><span class=\"S18D5 SA7 S2\" id=\"ts_92\">(107,676) </span><span class=\"S18D6 SA7 S2\" id=\"tt_92\">11,690 </span><span class=\"S18D7 SA7 S2\" id=\"tu_92\">Share-based payment reserve </span><span class=\"S18D8 SA7 S2\" id=\"tv_92\">49,110 </span><span class=\"S18D9 SA7 S2\" id=\"tw_92\">46,162 </span><span class=\"S18DA SA7 S2\" id=\"tx_92\">Net investment hedge in foreign operations </span><span class=\"S18DB SA7 S2\" id=\"ty_92\">(27,405) </span><span class=\"S18DC SA7 S2\" id=\"tz_92\">(27,405) </span><span class=\"S18DD SA7 S2\" id=\"t10_92\">Profit after income tax </span><span class=\"S18DE SA7 S2\" id=\"t11_92\">346,354 </span><span class=\"S18DF SA7 S2\" id=\"t12_92\">455,592 </span><span class=\"S18E0 SA7 S2\" id=\"t13_92\">Changes in equity accumulated in the previous </span><span class=\"S18E1 SA7 S2\" id=\"t14_92\">year at the subsidiaries and due to consolidation </span><span class=\"S18E2 SA7 S2\" id=\"t15_92\">2,047,798 </span><span class=\"S18E3 SA7 S2\" id=\"t16_92\">1,647,642 </span><span class=\"S18E4 SA7 S2\" id=\"t17_92\">Foreign currency translation differences </span><span class=\"S18E5 SA7 S2\" id=\"t18_92\">237,853 </span><span class=\"S18E6 SA7 S2\" id=\"t19_92\">58,164 </span><span class=\"S18E7 SB S2\" id=\"t1a_92\">Retained earnings and other reserves </span><span class=\"S18E8 S10A6 S2\" id=\"t1b_92\">1 </span><span class=\"S18E9 SB S2\" id=\"t1c_92\">3,395,215 </span><span class=\"S18EA SB S2\" id=\"t1d_92\">3,109,509 </span><span class=\"S18EB S482 S2\" id=\"t1e_92\">1 </span><span class=\"S18EC S483 S2\" id=\"t1f_92\">See more details in the Consolidated Statement of Comprehensive Income and in the Consolidated statement of </span><span class=\"S18ED S483 S2\" id=\"t1g_92\">Changes in equity on page </span><span class=\"S18EE S483 S2\" id=\"t1h_92\">6 and 7. </span><span class=\"S1947 SB S2\" id=\"t1b_93\">Foreign currency translation difference </span><span class=\"S1948 SB S2\" id=\"t1c_93\">2022 </span><span class=\"S1949 SB S2\" id=\"t1d_93\">2021 </span><span class=\"S194A SB S2\" id=\"t1e_93\">Balance as at 1 January </span><span class=\"S194B SB S2\" id=\"t1f_93\">58,164 </span><span class=\"S194C SB S2\" id=\"t1g_93\">(3,369) </span><span class=\"S194D SA7 S2\" id=\"t1h_93\">Change of foreign currency translation </span><span class=\"S194E SA7 S2\" id=\"t1i_93\">179,689 </span><span class=\"S194F SA7 S2\" id=\"t1j_93\">61,533 </span><span class=\"S1950 SB S2\" id=\"t1k_93\">Closing balance </span><span class=\"S1951 SB S2\" id=\"t1l_93\">237,853 </span><span class=\"S1952 SB S2\" id=\"t1m_93\">58,164 </span><span class=\"S1B32 SA7 S2\" id=\"tv_101\">Foreign exchange result consists of revaluation difference from converting assets and liabilities in foreign </span><span class=\"S1B33 SA7 S2\" id=\"tw_101\">currencies into the presentation currency of the consolidation financial statements. </span><span class=\"S1B34 SB S2\" id=\"tx_101\">Gains and losses by transactions </span><span class=\"S1B35 SB S2\" id=\"ty_101\">2022 </span><span class=\"S1B36 SB S2\" id=\"tz_101\">2021 </span><span class=\"S1B37 SA7 S2\" id=\"t10_101\">Gain by transactions </span><span class=\"S1B38 SA7 S2\" id=\"t11_101\">16,494 </span><span class=\"S1B39 SA7 S2\" id=\"t12_101\">9,553 </span><span class=\"S1B3A SA7 S2\" id=\"t13_101\">Loss by transactions </span><span class=\"S1B3B SA7 S2\" id=\"t14_101\">(19,645) </span><span class=\"S1B3C SA7 S2\" id=\"t15_101\">(4,537) </span><span class=\"S1B3D SB S2\" id=\"t16_101\">Fx (loss) / gain on securities at fair value through profit or loss </span><span class=\"S1B3E SB S2\" id=\"t17_101\">(3,151) </span><span class=\"S1B3F SB S2\" id=\"t18_101\">5,016 </span><span class=\"S1B40 SA7 S2\" id=\"t19_101\">Gain by transactions </span><span class=\"S1B41 SA7 S2\" id=\"t1a_101\">- </span><span class=\"S1B42 SA7 S2\" id=\"t1b_101\">2,405 </span><span class=\"S1B43 SA7 S2\" id=\"t1c_101\">Loss by transactions </span><span class=\"S1B44 SA7 S2\" id=\"t1d_101\">(323) </span><span class=\"S1B45 SA7 S2\" id=\"t1e_101\">(1,889) </span><span class=\"S1B46 SB S2\" id=\"t1f_101\">Fx (loss) / gain on derecognition of investment </span><span class=\"S1B47 SB S2\" id=\"t1g_101\">in subsidiaries, associates </span><span class=\"S1B48 SB S2\" id=\"t1h_101\">(323) </span><span class=\"S1B49 SB S2\" id=\"t1i_101\">516 </span><span class=\"S1B4A SA7 S2\" id=\"t1j_101\">Gain by transactions </span><span class=\"S1B4B SA7 S2\" id=\"t1k_101\">4,502 </span><span class=\"S1B4C SA7 S2\" id=\"t1l_101\">10,505 </span><span class=\"S1B4D SA7 S2\" id=\"t1m_101\">Loss by transactions </span><span class=\"S1B4E SA7 S2\" id=\"t1n_101\">(5,516) </span><span class=\"S1B4F SA7 S2\" id=\"t1o_101\">(13,092) </span><span class=\"S1B50 SB S2\" id=\"t1p_101\">Fx loss on securities at fair value </span><span class=\"S1B51 SB S2\" id=\"t1q_101\">through other comprehensive income </span><span class=\"S1B52 SB S2\" id=\"t1r_101\">(1,014) </span><span class=\"S1B53 SB S2\" id=\"t1s_101\">(2,587) </span><span class=\"S1B54 SA7 S2\" id=\"t1t_101\">Gain by transactions </span><span class=\"S1B55 SA7 S2\" id=\"t1u_101\">- </span><span class=\"S1B56 SA7 S2\" id=\"t1v_101\">2,847 </span><span class=\"S1B57 SA7 S2\" id=\"t1w_101\">Loss by transactions </span><span class=\"S1B58 SA7 S2\" id=\"t1x_101\">- </span><span class=\"S1B59 SA7 S2\" id=\"t1y_101\">(232) </span><span class=\"S1B5A SB S2\" id=\"t1z_101\">Fx gain on other securities </span><span class=\"S1B5B SB S2\" id=\"t20_101\">- </span><span class=\"S1B5C SB S2\" id=\"t21_101\">2,615 </span><span class=\"S1B5D SB S2\" id=\"t22_101\">(Loss) / Gain on securities, net </span><span class=\"S1B5E SB S2\" id=\"t23_101\">(4,488) </span><span class=\"S1B5F SB S2\" id=\"t24_101\">5,560 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8769": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_94\">NOTE 28: </span><span class=\"S1953 SB S2\" id=\"t4_94\">TREASURY SHARES (in HUF mn) </span><span class=\"SEDF SB S2\" id=\"t5_94\">2022 </span><span class=\"SEE0 SB S2\" id=\"t6_94\">2021 </span><span class=\"S1954 SA7 S2\" id=\"t7_94\">Nominal value (Ordinary shares) </span><span class=\"S1955 SA7 S2\" id=\"t8_94\">1,132 </span><span class=\"S1956 SA7 S2\" id=\"t9_94\">1,091 </span><span class=\"S13E5 SA7 S2\" id=\"ta_94\">Carrying value at acquisition cost </span><span class=\"S148E SA7 S2\" id=\"tb_94\">106,862 </span><span class=\"S148F SA7 S2\" id=\"tc_94\">106,941 </span><span class=\"S1957 SA7 S2\" id=\"td_94\">The changes in the carrying value of treasury shares are due to repurchase and sale transactions on market </span><span class=\"S1958 SA7 S2\" id=\"te_94\">authorised by the General Assembly. </span><span class=\"S1959 SA7 S2\" id=\"tf_94\">Change in number of shares: </span><span class=\"S195A SB S2\" id=\"tg_94\">2022 </span><span class=\"S195B SB S2\" id=\"th_94\">2021 </span><span class=\"S195C SB S2\" id=\"ti_94\">Number of shares as at 1 January </span><span class=\"S195D SB S2\" id=\"tj_94\">10,906,881 </span><span class=\"S195E SB S2\" id=\"tk_94\">23,924,900 </span><span class=\"S195F SA7 S2\" id=\"tl_94\">Additions </span><span class=\"S1960 SA7 S2\" id=\"tm_94\">1,801,256 </span><span class=\"S1961 SA7 S2\" id=\"tn_94\">16,251,451 </span><span class=\"S1962 SA7 S2\" id=\"to_94\">Disposals </span><span class=\"S1963 SA7 S2\" id=\"tp_94\">(1,390,041) </span><span class=\"S1964 SA7 S2\" id=\"tq_94\">(29,269,470) </span><span class=\"S1965 SB S2\" id=\"tr_94\">Closing number of shares </span><span class=\"S1966 SB S2\" id=\"ts_94\">11,318,096 </span><span class=\"S1967 SB S2\" id=\"tt_94\">10,906,881 </span><span class=\"S1968 SA7 S2\" id=\"tu_94\">Change in carrying value: </span><span class=\"S1969 SB S2\" id=\"tv_94\">2022 </span><span class=\"S196A SB S2\" id=\"tw_94\">2021 </span><span class=\"S196B SB S2\" id=\"tx_94\">Balance as at 1 January </span><span class=\"S196C SB S2\" id=\"ty_94\">106,941 </span><span class=\"S196D SB S2\" id=\"tz_94\">124,080 </span><span class=\"S196E SA7 S2\" id=\"t10_94\">Additions </span><span class=\"S196F SA7 S2\" id=\"t11_94\">16,268 </span><span class=\"S1970 SA7 S2\" id=\"t12_94\">276,433 </span><span class=\"S1971 SA7 S2\" id=\"t13_94\">Disposals </span><span class=\"S1972 SA7 S2\" id=\"t14_94\">(16,347) </span><span class=\"S1973 SA7 S2\" id=\"t15_94\">(293,572) </span><span class=\"S1974 SB S2\" id=\"t16_94\">Closing balance </span><span class=\"S1975 SB S2\" id=\"t17_94\">106,862 </span><span class=\"S1976 SB S2\" id=\"t18_94\">106,941 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8821": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_95\">NOTE 29: </span><span class=\"S6E4 SB S2\" id=\"t4_95\">NON-CONTROLLING INTEREST (in HUF mn) </span><span class=\"SEDF SB S2\" id=\"t5_95\">2022 </span><span class=\"SEE0 SB S2\" id=\"t6_95\">2021 </span><span class=\"S13E2 SB S2\" id=\"t7_95\">Balance as at 1 January </span><span class=\"S1977 SB S2\" id=\"t8_95\">6,198 </span><span class=\"S1978 SB S2\" id=\"t9_95\">4,116 </span><span class=\"S1979 SA7 S2\" id=\"ta_95\">Increase due to business combination </span><span class=\"S197A SA7 S2\" id=\"tb_95\">- </span><span class=\"S197B SA7 S2\" id=\"tc_95\">1,041 </span><span class=\"S197C SA7 S2\" id=\"td_95\">Non-controlling interest included in net profit for the period </span><span class=\"S197D SA7 S2\" id=\"te_95\">727 </span><span class=\"SE3C SA7 S2\" id=\"tf_95\">836 </span><span class=\"S197E SA7 S2\" id=\"tg_95\">Purchase of non-controlling interest </span><span class=\"S197F SA7 S2\" id=\"th_95\">(886) </span><span class=\"S1980 SA7 S2\" id=\"ti_95\">- </span><span class=\"S1981 SA7 S2\" id=\"tj_95\">Foreign currency translation difference </span><span class=\"S1982 SA7 S2\" id=\"tk_95\">(80) </span><span class=\"S1393 SA7 S2\" id=\"tl_95\">205 </span><span class=\"S1983 SB S2\" id=\"tm_95\">Closing balance </span><span class=\"S1984 SB S2\" id=\"tn_95\">5,959 </span><span class=\"SE44 SB S2\" id=\"to_95\">6,198 </span><span class=\"S1985 SA7 S2\" id=\"tp_95\">The non-controlling interest is not significant in respect of the whole OTP Group. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8853": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_96\">NOTE 30: </span><span class=\"S6B1 SB S2\" id=\"t4_96\">INTEREST INCOME, INCOME SIMILAR TO INTEREST INCOME AND EXPENSE (in </span><span class=\"SEDE SB S2\" id=\"t5_96\">HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_96\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_96\">2021 </span><span class=\"S1986 SB S2\" id=\"t8_96\">Interest income calculated using </span><span class=\"S1987 SB S2\" id=\"t9_96\">the effective interest method from / on </span><span class=\"S14D3 SA7 S2\" id=\"ta_96\">loans </span><span class=\"S1988 SA7 S2\" id=\"tb_96\">981,566 </span><span class=\"S1989 SA7 S2\" id=\"tc_96\">692,432 </span><span class=\"S198A SA7 S2\" id=\"td_96\">securities at amortized cost </span><span class=\"S198B SA7 S2\" id=\"te_96\">144,757 </span><span class=\"S198C SA7 S2\" id=\"tf_96\">79,602 </span><span class=\"S198D SA7 S2\" id=\"tg_96\">finance lease receivables </span><span class=\"S198E SA7 S2\" id=\"th_96\">78,262 </span><span class=\"S198F SA7 S2\" id=\"ti_96\">59,084 </span><span class=\"S1990 SA7 S2\" id=\"tj_96\">securities at fair value through other </span><span class=\"S1991 SA7 S2\" id=\"tk_96\">comprehensive income </span><span class=\"S14DD SA7 S2\" id=\"tl_96\">54,046 </span><span class=\"S14DE SA7 S2\" id=\"tm_96\">49,473 </span><span class=\"S1992 SA7 S2\" id=\"tn_96\">banks and balances with the National Banks </span><span class=\"S1993 SA7 S2\" id=\"to_96\">62,121 </span><span class=\"S1994 SA7 S2\" id=\"tp_96\">16,527 </span><span class=\"S1995 SA7 S2\" id=\"tq_96\">placements with other banks </span><span class=\"S1996 SA7 S2\" id=\"tr_96\">162,532 </span><span class=\"S14E3 SA7 S2\" id=\"ts_96\">20,922 </span><span class=\"S1997 SA7 S2\" id=\"tt_96\">liabilities (negative interest expense) </span><span class=\"S1998 SA7 S2\" id=\"tu_96\">20,505 </span><span class=\"S1999 SA7 S2\" id=\"tv_96\">3,672 </span><span class=\"S199A SA7 S2\" id=\"tw_96\">repo receivables </span><span class=\"S199B SA7 S2\" id=\"tx_96\">4,261 </span><span class=\"S199C SA7 S2\" id=\"ty_96\">827 </span><span class=\"S199D SB S2\" id=\"tz_96\">Subtotal </span><span class=\"S199E SB S2\" id=\"t10_96\">1,508,050 </span><span class=\"S199F SB S2\" id=\"t11_96\">922,539 </span><span class=\"S19A0 SB S2\" id=\"t12_96\">Income similar to interest income from </span><span class=\"S19A1 SA7 S2\" id=\"t13_96\">swap deals related to placements with other banks </span><span class=\"S19A2 SA7 S2\" id=\"t14_96\">364,496 </span><span class=\"S19A3 SA7 S2\" id=\"t15_96\">128,519 </span><span class=\"S19A4 SA7 S2\" id=\"t16_96\">loans mandatorily at fair value through profit or loss </span><span class=\"S19A5 SA7 S2\" id=\"t17_96\">54,036 </span><span class=\"S19A6 SA7 S2\" id=\"t18_96\">40,131 </span><span class=\"S19A7 SA7 S2\" id=\"t19_96\">swap deals related to credit institutions </span><span class=\"S19A8 SA7 S2\" id=\"t1a_96\">68,123 </span><span class=\"S19A9 SA7 S2\" id=\"t1b_96\">15,557 </span><span class=\"S19AA SA7 S2\" id=\"t1c_96\">rental income </span><span class=\"S19AB SA7 S2\" id=\"t1d_96\">9,264 </span><span class=\"S19AC SA7 S2\" id=\"t1e_96\">8,964 </span><span class=\"S19AD SA7 S2\" id=\"t1f_96\">non-trading securities mandatorily at fair value </span><span class=\"S19AE SA7 S2\" id=\"t1g_96\">through profit or loss </span><span class=\"S19AF SA7 S2\" id=\"t1h_96\">54 </span><span class=\"S19B0 SA7 S2\" id=\"t1i_96\">1,749 </span><span class=\"S19B1 SB S2\" id=\"t1j_96\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1k_96\">495,973 </span><span class=\"S19B3 SB S2\" id=\"t1l_96\">194,920 </span><span class=\"S19B4 SB S2\" id=\"t1m_96\">Total interest income and incomes similar </span><span class=\"S19B5 SB S2\" id=\"t1n_96\">to interest income </span><span class=\"S19B6 SB S2\" id=\"t1o_96\">2,004,023 </span><span class=\"S19B7 SB S2\" id=\"t1p_96\">1,117,459 </span><span class=\"S19B8 SB S2\" id=\"t1q_96\">2022 </span><span class=\"S19B9 SB S2\" id=\"t1r_96\">2021 </span><span class=\"S19BA SB S2\" id=\"t1s_96\">Interest expense due to / from / on </span><span class=\"S19BB SA7 S2\" id=\"t1t_96\">swaps related to banks, National Governments </span><span class=\"S19BC SA7 S2\" id=\"t1u_96\">and to deposits from the National Banks </span><span class=\"S19BD SA7 S2\" id=\"t1v_96\">390,375 </span><span class=\"S19BE SA7 S2\" id=\"t1w_96\">116,895 </span><span class=\"S19BF SA7 S2\" id=\"t1x_96\">deposits from customers </span><span class=\"S19C0 SA7 S2\" id=\"t1y_96\">270,407 </span><span class=\"S19C1 SA7 S2\" id=\"t1z_96\">50,645 </span><span class=\"S19C2 SA7 S2\" id=\"t20_96\">swaps related to deposits from customers </span><span class=\"S19C3 SA7 S2\" id=\"t21_96\">128,153 </span><span class=\"S19C4 SA7 S2\" id=\"t22_96\">23,860 </span><span class=\"S19C5 SA7 S2\" id=\"t23_96\">banks, National Governments and on deposits </span><span class=\"S19C6 SA7 S2\" id=\"t24_96\">from the National Banks </span><span class=\"S19C7 SA7 S2\" id=\"t25_96\">35,134 </span><span class=\"S19C8 SA7 S2\" id=\"t26_96\">17,467 </span><span class=\"S19C9 SA7 S2\" id=\"t27_96\">issued securities </span><span class=\"S19CA SA7 S2\" id=\"t28_96\">27,838 </span><span class=\"S19CB SA7 S2\" id=\"t29_96\">9,822 </span><span class=\"S19CC SA7 S2\" id=\"t2a_96\">subordinated and supplementary bonds and loans </span><span class=\"S19CD SA7 S2\" id=\"t2b_96\">8,986 </span><span class=\"S19CE SA7 S2\" id=\"t2c_96\">7,598 </span><span class=\"S19CF SA7 S2\" id=\"t2d_96\">financial assets (negative interest income) </span><span class=\"S19D0 SA7 S2\" id=\"t2e_96\">11,830 </span><span class=\"S19D1 SA7 S2\" id=\"t2f_96\">7,275 </span><span class=\"S19D2 SA7 S2\" id=\"t2g_96\">depreciation of assets subject to operating lease </span><span class=\"S19D3 SA7 S2\" id=\"t2h_96\">and investment properties </span><span class=\"S19D4 SA7 S2\" id=\"t2i_96\">5,161 </span><span class=\"S19D5 SA7 S2\" id=\"t2j_96\">5,325 </span><span class=\"S19D6 SA7 S2\" id=\"t2k_96\">leases </span><span class=\"S19D7 SA7 S2\" id=\"t2l_96\">2,386 </span><span class=\"S19D8 SA7 S2\" id=\"t2m_96\">1,556 </span><span class=\"S19D9 SA7 S2\" id=\"t2n_96\">repo liabilities </span><span class=\"S19DA SA7 S2\" id=\"t2o_96\">31,006 </span><span class=\"S19DB SA7 S2\" id=\"t2p_96\">2,299 </span><span class=\"S19DC SA7 S2\" id=\"t2q_96\">other </span><span class=\"S19DD SA7 S2\" id=\"t2r_96\">1,433 </span><span class=\"S19DE SA7 S2\" id=\"t2s_96\">407 </span><span class=\"S19DF SB S2\" id=\"t2t_96\">Total interest expense </span><span class=\"S19E0 SB S2\" id=\"t2u_96\">912,709 </span><span class=\"S19E1 SB S2\" id=\"t2v_96\">243,149 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8854": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_96\">NOTE 30: </span><span class=\"S6B1 SB S2\" id=\"t4_96\">INTEREST INCOME, INCOME SIMILAR TO INTEREST INCOME AND EXPENSE (in </span><span class=\"SEDE SB S2\" id=\"t5_96\">HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_96\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_96\">2021 </span><span class=\"S1986 SB S2\" id=\"t8_96\">Interest income calculated using </span><span class=\"S1987 SB S2\" id=\"t9_96\">the effective interest method from / on </span><span class=\"S14D3 SA7 S2\" id=\"ta_96\">loans </span><span class=\"S1988 SA7 S2\" id=\"tb_96\">981,566 </span><span class=\"S1989 SA7 S2\" id=\"tc_96\">692,432 </span><span class=\"S198A SA7 S2\" id=\"td_96\">securities at amortized cost </span><span class=\"S198B SA7 S2\" id=\"te_96\">144,757 </span><span class=\"S198C SA7 S2\" id=\"tf_96\">79,602 </span><span class=\"S198D SA7 S2\" id=\"tg_96\">finance lease receivables </span><span class=\"S198E SA7 S2\" id=\"th_96\">78,262 </span><span class=\"S198F SA7 S2\" id=\"ti_96\">59,084 </span><span class=\"S1990 SA7 S2\" id=\"tj_96\">securities at fair value through other </span><span class=\"S1991 SA7 S2\" id=\"tk_96\">comprehensive income </span><span class=\"S14DD SA7 S2\" id=\"tl_96\">54,046 </span><span class=\"S14DE SA7 S2\" id=\"tm_96\">49,473 </span><span class=\"S1992 SA7 S2\" id=\"tn_96\">banks and balances with the National Banks </span><span class=\"S1993 SA7 S2\" id=\"to_96\">62,121 </span><span class=\"S1994 SA7 S2\" id=\"tp_96\">16,527 </span><span class=\"S1995 SA7 S2\" id=\"tq_96\">placements with other banks </span><span class=\"S1996 SA7 S2\" id=\"tr_96\">162,532 </span><span class=\"S14E3 SA7 S2\" id=\"ts_96\">20,922 </span><span class=\"S1997 SA7 S2\" id=\"tt_96\">liabilities (negative interest expense) </span><span class=\"S1998 SA7 S2\" id=\"tu_96\">20,505 </span><span class=\"S1999 SA7 S2\" id=\"tv_96\">3,672 </span><span class=\"S199A SA7 S2\" id=\"tw_96\">repo receivables </span><span class=\"S199B SA7 S2\" id=\"tx_96\">4,261 </span><span class=\"S199C SA7 S2\" id=\"ty_96\">827 </span><span class=\"S199D SB S2\" id=\"tz_96\">Subtotal </span><span class=\"S199E SB S2\" id=\"t10_96\">1,508,050 </span><span class=\"S199F SB S2\" id=\"t11_96\">922,539 </span><span class=\"S19A0 SB S2\" id=\"t12_96\">Income similar to interest income from </span><span class=\"S19A1 SA7 S2\" id=\"t13_96\">swap deals related to placements with other banks </span><span class=\"S19A2 SA7 S2\" id=\"t14_96\">364,496 </span><span class=\"S19A3 SA7 S2\" id=\"t15_96\">128,519 </span><span class=\"S19A4 SA7 S2\" id=\"t16_96\">loans mandatorily at fair value through profit or loss </span><span class=\"S19A5 SA7 S2\" id=\"t17_96\">54,036 </span><span class=\"S19A6 SA7 S2\" id=\"t18_96\">40,131 </span><span class=\"S19A7 SA7 S2\" id=\"t19_96\">swap deals related to credit institutions </span><span class=\"S19A8 SA7 S2\" id=\"t1a_96\">68,123 </span><span class=\"S19A9 SA7 S2\" id=\"t1b_96\">15,557 </span><span class=\"S19AA SA7 S2\" id=\"t1c_96\">rental income </span><span class=\"S19AB SA7 S2\" id=\"t1d_96\">9,264 </span><span class=\"S19AC SA7 S2\" id=\"t1e_96\">8,964 </span><span class=\"S19AD SA7 S2\" id=\"t1f_96\">non-trading securities mandatorily at fair value </span><span class=\"S19AE SA7 S2\" id=\"t1g_96\">through profit or loss </span><span class=\"S19AF SA7 S2\" id=\"t1h_96\">54 </span><span class=\"S19B0 SA7 S2\" id=\"t1i_96\">1,749 </span><span class=\"S19B1 SB S2\" id=\"t1j_96\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1k_96\">495,973 </span><span class=\"S19B3 SB S2\" id=\"t1l_96\">194,920 </span><span class=\"S19B4 SB S2\" id=\"t1m_96\">Total interest income and incomes similar </span><span class=\"S19B5 SB S2\" id=\"t1n_96\">to interest income </span><span class=\"S19B6 SB S2\" id=\"t1o_96\">2,004,023 </span><span class=\"S19B7 SB S2\" id=\"t1p_96\">1,117,459 </span><span class=\"S19B8 SB S2\" id=\"t1q_96\">2022 </span><span class=\"S19B9 SB S2\" id=\"t1r_96\">2021 </span><span class=\"S19BA SB S2\" id=\"t1s_96\">Interest expense due to / from / on </span><span class=\"S19BB SA7 S2\" id=\"t1t_96\">swaps related to banks, National Governments </span><span class=\"S19BC SA7 S2\" id=\"t1u_96\">and to deposits from the National Banks </span><span class=\"S19BD SA7 S2\" id=\"t1v_96\">390,375 </span><span class=\"S19BE SA7 S2\" id=\"t1w_96\">116,895 </span><span class=\"S19BF SA7 S2\" id=\"t1x_96\">deposits from customers </span><span class=\"S19C0 SA7 S2\" id=\"t1y_96\">270,407 </span><span class=\"S19C1 SA7 S2\" id=\"t1z_96\">50,645 </span><span class=\"S19C2 SA7 S2\" id=\"t20_96\">swaps related to deposits from customers </span><span class=\"S19C3 SA7 S2\" id=\"t21_96\">128,153 </span><span class=\"S19C4 SA7 S2\" id=\"t22_96\">23,860 </span><span class=\"S19C5 SA7 S2\" id=\"t23_96\">banks, National Governments and on deposits </span><span class=\"S19C6 SA7 S2\" id=\"t24_96\">from the National Banks </span><span class=\"S19C7 SA7 S2\" id=\"t25_96\">35,134 </span><span class=\"S19C8 SA7 S2\" id=\"t26_96\">17,467 </span><span class=\"S19C9 SA7 S2\" id=\"t27_96\">issued securities </span><span class=\"S19CA SA7 S2\" id=\"t28_96\">27,838 </span><span class=\"S19CB SA7 S2\" id=\"t29_96\">9,822 </span><span class=\"S19CC SA7 S2\" id=\"t2a_96\">subordinated and supplementary bonds and loans </span><span class=\"S19CD SA7 S2\" id=\"t2b_96\">8,986 </span><span class=\"S19CE SA7 S2\" id=\"t2c_96\">7,598 </span><span class=\"S19CF SA7 S2\" id=\"t2d_96\">financial assets (negative interest income) </span><span class=\"S19D0 SA7 S2\" id=\"t2e_96\">11,830 </span><span class=\"S19D1 SA7 S2\" id=\"t2f_96\">7,275 </span><span class=\"S19D2 SA7 S2\" id=\"t2g_96\">depreciation of assets subject to operating lease </span><span class=\"S19D3 SA7 S2\" id=\"t2h_96\">and investment properties </span><span class=\"S19D4 SA7 S2\" id=\"t2i_96\">5,161 </span><span class=\"S19D5 SA7 S2\" id=\"t2j_96\">5,325 </span><span class=\"S19D6 SA7 S2\" id=\"t2k_96\">leases </span><span class=\"S19D7 SA7 S2\" id=\"t2l_96\">2,386 </span><span class=\"S19D8 SA7 S2\" id=\"t2m_96\">1,556 </span><span class=\"S19D9 SA7 S2\" id=\"t2n_96\">repo liabilities </span><span class=\"S19DA SA7 S2\" id=\"t2o_96\">31,006 </span><span class=\"S19DB SA7 S2\" id=\"t2p_96\">2,299 </span><span class=\"S19DC SA7 S2\" id=\"t2q_96\">other </span><span class=\"S19DD SA7 S2\" id=\"t2r_96\">1,433 </span><span class=\"S19DE SA7 S2\" id=\"t2s_96\">407 </span><span class=\"S19DF SB S2\" id=\"t2t_96\">Total interest expense </span><span class=\"S19E0 SB S2\" id=\"t2u_96\">912,709 </span><span class=\"S19E1 SB S2\" id=\"t2v_96\">243,149 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8856": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_96\">NOTE 30: </span><span class=\"S6B1 SB S2\" id=\"t4_96\">INTEREST INCOME, INCOME SIMILAR TO INTEREST INCOME AND EXPENSE (in </span><span class=\"SEDE SB S2\" id=\"t5_96\">HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_96\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_96\">2021 </span><span class=\"S1986 SB S2\" id=\"t8_96\">Interest income calculated using </span><span class=\"S1987 SB S2\" id=\"t9_96\">the effective interest method from / on </span><span class=\"S14D3 SA7 S2\" id=\"ta_96\">loans </span><span class=\"S1988 SA7 S2\" id=\"tb_96\">981,566 </span><span class=\"S1989 SA7 S2\" id=\"tc_96\">692,432 </span><span class=\"S198A SA7 S2\" id=\"td_96\">securities at amortized cost </span><span class=\"S198B SA7 S2\" id=\"te_96\">144,757 </span><span class=\"S198C SA7 S2\" id=\"tf_96\">79,602 </span><span class=\"S198D SA7 S2\" id=\"tg_96\">finance lease receivables </span><span class=\"S198E SA7 S2\" id=\"th_96\">78,262 </span><span class=\"S198F SA7 S2\" id=\"ti_96\">59,084 </span><span class=\"S1990 SA7 S2\" id=\"tj_96\">securities at fair value through other </span><span class=\"S1991 SA7 S2\" id=\"tk_96\">comprehensive income </span><span class=\"S14DD SA7 S2\" id=\"tl_96\">54,046 </span><span class=\"S14DE SA7 S2\" id=\"tm_96\">49,473 </span><span class=\"S1992 SA7 S2\" id=\"tn_96\">banks and balances with the National Banks </span><span class=\"S1993 SA7 S2\" id=\"to_96\">62,121 </span><span class=\"S1994 SA7 S2\" id=\"tp_96\">16,527 </span><span class=\"S1995 SA7 S2\" id=\"tq_96\">placements with other banks </span><span class=\"S1996 SA7 S2\" id=\"tr_96\">162,532 </span><span class=\"S14E3 SA7 S2\" id=\"ts_96\">20,922 </span><span class=\"S1997 SA7 S2\" id=\"tt_96\">liabilities (negative interest expense) </span><span class=\"S1998 SA7 S2\" id=\"tu_96\">20,505 </span><span class=\"S1999 SA7 S2\" id=\"tv_96\">3,672 </span><span class=\"S199A SA7 S2\" id=\"tw_96\">repo receivables </span><span class=\"S199B SA7 S2\" id=\"tx_96\">4,261 </span><span class=\"S199C SA7 S2\" id=\"ty_96\">827 </span><span class=\"S199D SB S2\" id=\"tz_96\">Subtotal </span><span class=\"S199E SB S2\" id=\"t10_96\">1,508,050 </span><span class=\"S199F SB S2\" id=\"t11_96\">922,539 </span><span class=\"S19A0 SB S2\" id=\"t12_96\">Income similar to interest income from </span><span class=\"S19A1 SA7 S2\" id=\"t13_96\">swap deals related to placements with other banks </span><span class=\"S19A2 SA7 S2\" id=\"t14_96\">364,496 </span><span class=\"S19A3 SA7 S2\" id=\"t15_96\">128,519 </span><span class=\"S19A4 SA7 S2\" id=\"t16_96\">loans mandatorily at fair value through profit or loss </span><span class=\"S19A5 SA7 S2\" id=\"t17_96\">54,036 </span><span class=\"S19A6 SA7 S2\" id=\"t18_96\">40,131 </span><span class=\"S19A7 SA7 S2\" id=\"t19_96\">swap deals related to credit institutions </span><span class=\"S19A8 SA7 S2\" id=\"t1a_96\">68,123 </span><span class=\"S19A9 SA7 S2\" id=\"t1b_96\">15,557 </span><span class=\"S19AA SA7 S2\" id=\"t1c_96\">rental income </span><span class=\"S19AB SA7 S2\" id=\"t1d_96\">9,264 </span><span class=\"S19AC SA7 S2\" id=\"t1e_96\">8,964 </span><span class=\"S19AD SA7 S2\" id=\"t1f_96\">non-trading securities mandatorily at fair value </span><span class=\"S19AE SA7 S2\" id=\"t1g_96\">through profit or loss </span><span class=\"S19AF SA7 S2\" id=\"t1h_96\">54 </span><span class=\"S19B0 SA7 S2\" id=\"t1i_96\">1,749 </span><span class=\"S19B1 SB S2\" id=\"t1j_96\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1k_96\">495,973 </span><span class=\"S19B3 SB S2\" id=\"t1l_96\">194,920 </span><span class=\"S19B4 SB S2\" id=\"t1m_96\">Total interest income and incomes similar </span><span class=\"S19B5 SB S2\" id=\"t1n_96\">to interest income </span><span class=\"S19B6 SB S2\" id=\"t1o_96\">2,004,023 </span><span class=\"S19B7 SB S2\" id=\"t1p_96\">1,117,459 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8857": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_96\">NOTE 30: </span><span class=\"S6B1 SB S2\" id=\"t4_96\">INTEREST INCOME, INCOME SIMILAR TO INTEREST INCOME AND EXPENSE (in </span><span class=\"SEDE SB S2\" id=\"t5_96\">HUF mn) </span><span class=\"S14D0 SB S2\" id=\"t6_96\">2022 </span><span class=\"S14D1 SB S2\" id=\"t7_96\">2021 </span><span class=\"S1986 SB S2\" id=\"t8_96\">Interest income calculated using </span><span class=\"S1987 SB S2\" id=\"t9_96\">the effective interest method from / on </span><span class=\"S14D3 SA7 S2\" id=\"ta_96\">loans </span><span class=\"S1988 SA7 S2\" id=\"tb_96\">981,566 </span><span class=\"S1989 SA7 S2\" id=\"tc_96\">692,432 </span><span class=\"S198A SA7 S2\" id=\"td_96\">securities at amortized cost </span><span class=\"S198B SA7 S2\" id=\"te_96\">144,757 </span><span class=\"S198C SA7 S2\" id=\"tf_96\">79,602 </span><span class=\"S198D SA7 S2\" id=\"tg_96\">finance lease receivables </span><span class=\"S198E SA7 S2\" id=\"th_96\">78,262 </span><span class=\"S198F SA7 S2\" id=\"ti_96\">59,084 </span><span class=\"S1990 SA7 S2\" id=\"tj_96\">securities at fair value through other </span><span class=\"S1991 SA7 S2\" id=\"tk_96\">comprehensive income </span><span class=\"S14DD SA7 S2\" id=\"tl_96\">54,046 </span><span class=\"S14DE SA7 S2\" id=\"tm_96\">49,473 </span><span class=\"S1992 SA7 S2\" id=\"tn_96\">banks and balances with the National Banks </span><span class=\"S1993 SA7 S2\" id=\"to_96\">62,121 </span><span class=\"S1994 SA7 S2\" id=\"tp_96\">16,527 </span><span class=\"S1995 SA7 S2\" id=\"tq_96\">placements with other banks </span><span class=\"S1996 SA7 S2\" id=\"tr_96\">162,532 </span><span class=\"S14E3 SA7 S2\" id=\"ts_96\">20,922 </span><span class=\"S1997 SA7 S2\" id=\"tt_96\">liabilities (negative interest expense) </span><span class=\"S1998 SA7 S2\" id=\"tu_96\">20,505 </span><span class=\"S1999 SA7 S2\" id=\"tv_96\">3,672 </span><span class=\"S199A SA7 S2\" id=\"tw_96\">repo receivables </span><span class=\"S199B SA7 S2\" id=\"tx_96\">4,261 </span><span class=\"S199C SA7 S2\" id=\"ty_96\">827 </span><span class=\"S199D SB S2\" id=\"tz_96\">Subtotal </span><span class=\"S199E SB S2\" id=\"t10_96\">1,508,050 </span><span class=\"S199F SB S2\" id=\"t11_96\">922,539 </span><span class=\"S19A0 SB S2\" id=\"t12_96\">Income similar to interest income from </span><span class=\"S19A1 SA7 S2\" id=\"t13_96\">swap deals related to placements with other banks </span><span class=\"S19A2 SA7 S2\" id=\"t14_96\">364,496 </span><span class=\"S19A3 SA7 S2\" id=\"t15_96\">128,519 </span><span class=\"S19A4 SA7 S2\" id=\"t16_96\">loans mandatorily at fair value through profit or loss </span><span class=\"S19A5 SA7 S2\" id=\"t17_96\">54,036 </span><span class=\"S19A6 SA7 S2\" id=\"t18_96\">40,131 </span><span class=\"S19A7 SA7 S2\" id=\"t19_96\">swap deals related to credit institutions </span><span class=\"S19A8 SA7 S2\" id=\"t1a_96\">68,123 </span><span class=\"S19A9 SA7 S2\" id=\"t1b_96\">15,557 </span><span class=\"S19AA SA7 S2\" id=\"t1c_96\">rental income </span><span class=\"S19AB SA7 S2\" id=\"t1d_96\">9,264 </span><span class=\"S19AC SA7 S2\" id=\"t1e_96\">8,964 </span><span class=\"S19AD SA7 S2\" id=\"t1f_96\">non-trading securities mandatorily at fair value </span><span class=\"S19AE SA7 S2\" id=\"t1g_96\">through profit or loss </span><span class=\"S19AF SA7 S2\" id=\"t1h_96\">54 </span><span class=\"S19B0 SA7 S2\" id=\"t1i_96\">1,749 </span><span class=\"S19B1 SB S2\" id=\"t1j_96\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1k_96\">495,973 </span><span class=\"S19B3 SB S2\" id=\"t1l_96\">194,920 </span><span class=\"S19B4 SB S2\" id=\"t1m_96\">Total interest income and incomes similar </span><span class=\"S19B5 SB S2\" id=\"t1n_96\">to interest income </span><span class=\"S19B6 SB S2\" id=\"t1o_96\">2,004,023 </span><span class=\"S19B7 SB S2\" id=\"t1p_96\">1,117,459 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8919": {
   "value": "<span class=\"S19BA SB S2\" id=\"t1s_96\">Interest expense due to / from / on </span><span class=\"S19BB SA7 S2\" id=\"t1t_96\">swaps related to banks, National Governments </span><span class=\"S19BC SA7 S2\" id=\"t1u_96\">and to deposits from the National Banks </span><span class=\"S19BD SA7 S2\" id=\"t1v_96\">390,375 </span><span class=\"S19BE SA7 S2\" id=\"t1w_96\">116,895 </span><span class=\"S19BF SA7 S2\" id=\"t1x_96\">deposits from customers </span><span class=\"S19C0 SA7 S2\" id=\"t1y_96\">270,407 </span><span class=\"S19C1 SA7 S2\" id=\"t1z_96\">50,645 </span><span class=\"S19C2 SA7 S2\" id=\"t20_96\">swaps related to deposits from customers </span><span class=\"S19C3 SA7 S2\" id=\"t21_96\">128,153 </span><span class=\"S19C4 SA7 S2\" id=\"t22_96\">23,860 </span><span class=\"S19C5 SA7 S2\" id=\"t23_96\">banks, National Governments and on deposits </span><span class=\"S19C6 SA7 S2\" id=\"t24_96\">from the National Banks </span><span class=\"S19C7 SA7 S2\" id=\"t25_96\">35,134 </span><span class=\"S19C8 SA7 S2\" id=\"t26_96\">17,467 </span><span class=\"S19C9 SA7 S2\" id=\"t27_96\">issued securities </span><span class=\"S19CA SA7 S2\" id=\"t28_96\">27,838 </span><span class=\"S19CB SA7 S2\" id=\"t29_96\">9,822 </span><span class=\"S19CC SA7 S2\" id=\"t2a_96\">subordinated and supplementary bonds and loans </span><span class=\"S19CD SA7 S2\" id=\"t2b_96\">8,986 </span><span class=\"S19CE SA7 S2\" id=\"t2c_96\">7,598 </span><span class=\"S19CF SA7 S2\" id=\"t2d_96\">financial assets (negative interest income) </span><span class=\"S19D0 SA7 S2\" id=\"t2e_96\">11,830 </span><span class=\"S19D1 SA7 S2\" id=\"t2f_96\">7,275 </span><span class=\"S19D2 SA7 S2\" id=\"t2g_96\">depreciation of assets subject to operating lease </span><span class=\"S19D3 SA7 S2\" id=\"t2h_96\">and investment properties </span><span class=\"S19D4 SA7 S2\" id=\"t2i_96\">5,161 </span><span class=\"S19D5 SA7 S2\" id=\"t2j_96\">5,325 </span><span class=\"S19D6 SA7 S2\" id=\"t2k_96\">leases </span><span class=\"S19D7 SA7 S2\" id=\"t2l_96\">2,386 </span><span class=\"S19D8 SA7 S2\" id=\"t2m_96\">1,556 </span><span class=\"S19D9 SA7 S2\" id=\"t2n_96\">repo liabilities </span><span class=\"S19DA SA7 S2\" id=\"t2o_96\">31,006 </span><span class=\"S19DB SA7 S2\" id=\"t2p_96\">2,299 </span><span class=\"S19DC SA7 S2\" id=\"t2q_96\">other </span><span class=\"S19DD SA7 S2\" id=\"t2r_96\">1,433 </span><span class=\"S19DE SA7 S2\" id=\"t2s_96\">407 </span><span class=\"S19DF SB S2\" id=\"t2t_96\">Total interest expense </span><span class=\"S19E0 SB S2\" id=\"t2u_96\">912,709 </span><span class=\"S19E1 SB S2\" id=\"t2v_96\">243,149 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8920": {
   "value": "<span class=\"S19BA SB S2\" id=\"t1s_96\">Interest expense due to / from / on </span><span class=\"S19BB SA7 S2\" id=\"t1t_96\">swaps related to banks, National Governments </span><span class=\"S19BC SA7 S2\" id=\"t1u_96\">and to deposits from the National Banks </span><span class=\"S19BD SA7 S2\" id=\"t1v_96\">390,375 </span><span class=\"S19BE SA7 S2\" id=\"t1w_96\">116,895 </span><span class=\"S19BF SA7 S2\" id=\"t1x_96\">deposits from customers </span><span class=\"S19C0 SA7 S2\" id=\"t1y_96\">270,407 </span><span class=\"S19C1 SA7 S2\" id=\"t1z_96\">50,645 </span><span class=\"S19C2 SA7 S2\" id=\"t20_96\">swaps related to deposits from customers </span><span class=\"S19C3 SA7 S2\" id=\"t21_96\">128,153 </span><span class=\"S19C4 SA7 S2\" id=\"t22_96\">23,860 </span><span class=\"S19C5 SA7 S2\" id=\"t23_96\">banks, National Governments and on deposits </span><span class=\"S19C6 SA7 S2\" id=\"t24_96\">from the National Banks </span><span class=\"S19C7 SA7 S2\" id=\"t25_96\">35,134 </span><span class=\"S19C8 SA7 S2\" id=\"t26_96\">17,467 </span><span class=\"S19C9 SA7 S2\" id=\"t27_96\">issued securities </span><span class=\"S19CA SA7 S2\" id=\"t28_96\">27,838 </span><span class=\"S19CB SA7 S2\" id=\"t29_96\">9,822 </span><span class=\"S19CC SA7 S2\" id=\"t2a_96\">subordinated and supplementary bonds and loans </span><span class=\"S19CD SA7 S2\" id=\"t2b_96\">8,986 </span><span class=\"S19CE SA7 S2\" id=\"t2c_96\">7,598 </span><span class=\"S19CF SA7 S2\" id=\"t2d_96\">financial assets (negative interest income) </span><span class=\"S19D0 SA7 S2\" id=\"t2e_96\">11,830 </span><span class=\"S19D1 SA7 S2\" id=\"t2f_96\">7,275 </span><span class=\"S19D2 SA7 S2\" id=\"t2g_96\">depreciation of assets subject to operating lease </span><span class=\"S19D3 SA7 S2\" id=\"t2h_96\">and investment properties </span><span class=\"S19D4 SA7 S2\" id=\"t2i_96\">5,161 </span><span class=\"S19D5 SA7 S2\" id=\"t2j_96\">5,325 </span><span class=\"S19D6 SA7 S2\" id=\"t2k_96\">leases </span><span class=\"S19D7 SA7 S2\" id=\"t2l_96\">2,386 </span><span class=\"S19D8 SA7 S2\" id=\"t2m_96\">1,556 </span><span class=\"S19D9 SA7 S2\" id=\"t2n_96\">repo liabilities </span><span class=\"S19DA SA7 S2\" id=\"t2o_96\">31,006 </span><span class=\"S19DB SA7 S2\" id=\"t2p_96\">2,299 </span><span class=\"S19DC SA7 S2\" id=\"t2q_96\">other </span><span class=\"S19DD SA7 S2\" id=\"t2r_96\">1,433 </span><span class=\"S19DE SA7 S2\" id=\"t2s_96\">407 </span><span class=\"S19DF SB S2\" id=\"t2t_96\">Total interest expense </span><span class=\"S19E0 SB S2\" id=\"t2u_96\">912,709 </span><span class=\"S19E1 SB S2\" id=\"t2v_96\">243,149 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8968": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_97\">NOTE 31: </span><span class=\"SDB9 SB S2\" id=\"t4_97\">LOSS ALLOWANCES / IMPAIRMENT / PROVISIONS (in HUF mn) </span><span class=\"S19E2 SB S2\" id=\"t5_97\">2022 </span><span class=\"S19E3 SB S2\" id=\"t6_97\">2021 </span><span class=\"S19E4 SB S2\" id=\"t7_97\">Loss allowance on loans </span><span class=\"S19E5 SA7 S2\" id=\"t8_97\">Loss allowance for the period </span><span class=\"S19E6 SA7 S2\" id=\"t9_97\">676,389 </span><span class=\"S19E7 SA7 S2\" id=\"ta_97\">546,284 </span><span class=\"S19E8 SA7 S2\" id=\"tb_97\">Release of loss allowance </span><span class=\"S19E9 SA7 S2\" id=\"tc_97\">(477,513) </span><span class=\"S19EA SA7 S2\" id=\"td_97\">(475,067) </span><span class=\"S19EB SA7 S2\" id=\"te_97\">from this: impairment gain </span><span class=\"S19EC SA7 S2\" id=\"tf_97\">9,517 </span><span class=\"S19ED SA7 S2\" id=\"tg_97\">10,179 </span><span class=\"S19EE SA7 S2\" id=\"th_97\">Income from loan recoveries </span><span class=\"S19EF SA7 S2\" id=\"ti_97\">(67,869) </span><span class=\"S19F0 SA7 S2\" id=\"tj_97\">(51,876) </span><span class=\"S19F1 SA7 S2\" id=\"tk_97\">Income from recoveries exceeding the gross loans </span><span class=\"S19F2 SA7 S2\" id=\"tl_97\">(8,658) </span><span class=\"S19F3 SA7 S2\" id=\"tm_97\">(8,752) </span><span class=\"S19F4 SA7 S2\" id=\"tn_97\">Impairment gain </span><span class=\"S19F5 SA7 S2\" id=\"to_97\">(50,715) </span><span class=\"S19F6 SA7 S2\" id=\"tp_97\">(35,194) </span><span class=\"S19F7 SA7 S2\" id=\"tq_97\">Income from provisions on loans before OTP acquisition </span><span class=\"S19F8 SA7 S2\" id=\"tr_97\">(1,664) </span><span class=\"S19F9 SA7 S2\" id=\"ts_97\">(1,622) </span><span class=\"S19FA SA7 S2\" id=\"tt_97\">Income from recoveries of written-off, </span><span class=\"S19FB SA7 S2\" id=\"tu_97\">but legally existing loans </span><span class=\"S19FC SA7 S2\" id=\"tv_97\">(6,832) </span><span class=\"S19FD SA7 S2\" id=\"tw_97\">(6,308) </span><span class=\"S19FE SA7 S2\" id=\"tx_97\">Change in the fair value attributable to changes in the </span><span class=\"S19FF SA7 S2\" id=\"ty_97\">credit risk of loans mandatorily measured </span><span class=\"S1A00 SA7 S2\" id=\"tz_97\">at fair value through profit of loss </span><span class=\"S1A01 SA7 S2\" id=\"t10_97\">(13,346) </span><span class=\"S1A02 SA7 S2\" id=\"t11_97\">16,289 </span><span class=\"S1A03 SA7 S2\" id=\"t12_97\">Loss allowance on finance lease </span><span class=\"S1A04 SA7 S2\" id=\"t13_97\">49,433 </span><span class=\"S1A05 SA7 S2\" id=\"t14_97\">20,694 </span><span class=\"S1A06 SA7 S2\" id=\"t15_97\">Release of loss allowance on finance lease </span><span class=\"S1A07 SA7 S2\" id=\"t16_97\">(25,020) </span><span class=\"S1A08 SA7 S2\" id=\"t17_97\">(14,918) </span><span class=\"S19A2 SB S2\" id=\"t18_97\">142,074 </span><span class=\"S14ED SB S2\" id=\"t19_97\">41,406 </span><span class=\"S1A09 SB S2\" id=\"t1a_97\">Loss allowance on due from banks, balances with </span><span class=\"S1A0A SB S2\" id=\"t1b_97\">National Banks, on placements and on repo receivables </span><span class=\"S1A0B SA7 S2\" id=\"t1c_97\">Allowance for the period </span><span class=\"S1A0C SA7 S2\" id=\"t1d_97\">51,130 </span><span class=\"S1A0D SA7 S2\" id=\"t1e_97\">27,341 </span><span class=\"S1A0E SA7 S2\" id=\"t1f_97\">Release of allowance </span><span class=\"S1A0F SA7 S2\" id=\"t1g_97\">(50,869) </span><span class=\"S1A10 SA7 S2\" id=\"t1h_97\">(24,737) </span><span class=\"S1A11 SB S2\" id=\"t1i_97\">261 </span><span class=\"S1A12 SB S2\" id=\"t1j_97\">2,604 </span><span class=\"S1A13 SB S2\" id=\"t1k_97\">Loss allowance on securities </span><span class=\"S1A14 SB S2\" id=\"t1l_97\">at fair value through other comprehensive income </span><span class=\"S1A15 SB S2\" id=\"t1m_97\">and on securities at amortized cost </span><span class=\"S1A16 SA7 S2\" id=\"t1n_97\">Allowance for the period </span><span class=\"S1A17 SA7 S2\" id=\"t1o_97\">77,768 </span><span class=\"S1A18 SA7 S2\" id=\"t1p_97\">11,048 </span><span class=\"S1A19 SA7 S2\" id=\"t1q_97\">Release of allowance </span><span class=\"S1A1A SA7 S2\" id=\"t1r_97\">(16,994) </span><span class=\"S1A1B SA7 S2\" id=\"t1s_97\">(7,074) </span><span class=\"S1A1C SB S2\" id=\"t1t_97\">60,774 </span><span class=\"S1A1D SB S2\" id=\"t1u_97\">3,974 </span><span class=\"S1A1E SB S2\" id=\"t1v_97\">Impairment / (Release of impairment) of intangible, </span><span class=\"S1A1F SB S2\" id=\"t1w_97\">tangible assets subject to operating lease </span><span class=\"S1A20 SB S2\" id=\"t1x_97\">and of investment properties </span><span class=\"S1A21 SA7 S2\" id=\"t1y_97\">Impairment for the period </span><span class=\"S1A22 SA7 S2\" id=\"t1z_97\">1,389 </span><span class=\"S1A23 SA7 S2\" id=\"t20_97\">63 </span><span class=\"S1A24 SA7 S2\" id=\"t21_97\">Release of impairment </span><span class=\"S1A25 SA7 S2\" id=\"t22_97\">(185) </span><span class=\"S1A26 SA7 S2\" id=\"t23_97\">(501) </span><span class=\"S1A27 SB S2\" id=\"t24_97\">1,204 </span><span class=\"S1A28 SB S2\" id=\"t25_97\">(438) </span><span class=\"S1A29 SB S2\" id=\"t26_97\">Provision for </span><span class=\"S14B3 SB S2\" id=\"t27_97\">commitments and guarantees given </span><span class=\"S1A2A SA7 S2\" id=\"t28_97\">Provision for the period </span><span class=\"S1A2B SA7 S2\" id=\"t29_97\">102,928 </span><span class=\"S1A2C SA7 S2\" id=\"t2a_97\">28,869 </span><span class=\"S1A2D SA7 S2\" id=\"t2b_97\">Release of provision </span><span class=\"S1A2E SA7 S2\" id=\"t2c_97\">(96,783) </span><span class=\"S1A2F SA7 S2\" id=\"t2d_97\">(28,770) </span><span class=\"S1A30 SB S2\" id=\"t2e_97\">6,145 </span><span class=\"S1A31 SB S2\" id=\"t2f_97\">99 </span><span class=\"S1A32 SB S2\" id=\"t2g_97\">Loss allowances / Impairment and provisions </span><span class=\"S1A33 SB S2\" id=\"t2h_97\">210,458 </span><span class=\"S1A34 SB S2\" id=\"t2i_97\">47,645 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8969": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_97\">NOTE 31: </span><span class=\"SDB9 SB S2\" id=\"t4_97\">LOSS ALLOWANCES / IMPAIRMENT / PROVISIONS (in HUF mn) </span><span class=\"S19E2 SB S2\" id=\"t5_97\">2022 </span><span class=\"S19E3 SB S2\" id=\"t6_97\">2021 </span><span class=\"S19E4 SB S2\" id=\"t7_97\">Loss allowance on loans </span><span class=\"S19E5 SA7 S2\" id=\"t8_97\">Loss allowance for the period </span><span class=\"S19E6 SA7 S2\" id=\"t9_97\">676,389 </span><span class=\"S19E7 SA7 S2\" id=\"ta_97\">546,284 </span><span class=\"S19E8 SA7 S2\" id=\"tb_97\">Release of loss allowance </span><span class=\"S19E9 SA7 S2\" id=\"tc_97\">(477,513) </span><span class=\"S19EA SA7 S2\" id=\"td_97\">(475,067) </span><span class=\"S19EB SA7 S2\" id=\"te_97\">from this: impairment gain </span><span class=\"S19EC SA7 S2\" id=\"tf_97\">9,517 </span><span class=\"S19ED SA7 S2\" id=\"tg_97\">10,179 </span><span class=\"S19EE SA7 S2\" id=\"th_97\">Income from loan recoveries </span><span class=\"S19EF SA7 S2\" id=\"ti_97\">(67,869) </span><span class=\"S19F0 SA7 S2\" id=\"tj_97\">(51,876) </span><span class=\"S19F1 SA7 S2\" id=\"tk_97\">Income from recoveries exceeding the gross loans </span><span class=\"S19F2 SA7 S2\" id=\"tl_97\">(8,658) </span><span class=\"S19F3 SA7 S2\" id=\"tm_97\">(8,752) </span><span class=\"S19F4 SA7 S2\" id=\"tn_97\">Impairment gain </span><span class=\"S19F5 SA7 S2\" id=\"to_97\">(50,715) </span><span class=\"S19F6 SA7 S2\" id=\"tp_97\">(35,194) </span><span class=\"S19F7 SA7 S2\" id=\"tq_97\">Income from provisions on loans before OTP acquisition </span><span class=\"S19F8 SA7 S2\" id=\"tr_97\">(1,664) </span><span class=\"S19F9 SA7 S2\" id=\"ts_97\">(1,622) </span><span class=\"S19FA SA7 S2\" id=\"tt_97\">Income from recoveries of written-off, </span><span class=\"S19FB SA7 S2\" id=\"tu_97\">but legally existing loans </span><span class=\"S19FC SA7 S2\" id=\"tv_97\">(6,832) </span><span class=\"S19FD SA7 S2\" id=\"tw_97\">(6,308) </span><span class=\"S19FE SA7 S2\" id=\"tx_97\">Change in the fair value attributable to changes in the </span><span class=\"S19FF SA7 S2\" id=\"ty_97\">credit risk of loans mandatorily measured </span><span class=\"S1A00 SA7 S2\" id=\"tz_97\">at fair value through profit of loss </span><span class=\"S1A01 SA7 S2\" id=\"t10_97\">(13,346) </span><span class=\"S1A02 SA7 S2\" id=\"t11_97\">16,289 </span><span class=\"S1A03 SA7 S2\" id=\"t12_97\">Loss allowance on finance lease </span><span class=\"S1A04 SA7 S2\" id=\"t13_97\">49,433 </span><span class=\"S1A05 SA7 S2\" id=\"t14_97\">20,694 </span><span class=\"S1A06 SA7 S2\" id=\"t15_97\">Release of loss allowance on finance lease </span><span class=\"S1A07 SA7 S2\" id=\"t16_97\">(25,020) </span><span class=\"S1A08 SA7 S2\" id=\"t17_97\">(14,918) </span><span class=\"S19A2 SB S2\" id=\"t18_97\">142,074 </span><span class=\"S14ED SB S2\" id=\"t19_97\">41,406 </span><span class=\"S1A09 SB S2\" id=\"t1a_97\">Loss allowance on due from banks, balances with </span><span class=\"S1A0A SB S2\" id=\"t1b_97\">National Banks, on placements and on repo receivables </span><span class=\"S1A0B SA7 S2\" id=\"t1c_97\">Allowance for the period </span><span class=\"S1A0C SA7 S2\" id=\"t1d_97\">51,130 </span><span class=\"S1A0D SA7 S2\" id=\"t1e_97\">27,341 </span><span class=\"S1A0E SA7 S2\" id=\"t1f_97\">Release of allowance </span><span class=\"S1A0F SA7 S2\" id=\"t1g_97\">(50,869) </span><span class=\"S1A10 SA7 S2\" id=\"t1h_97\">(24,737) </span><span class=\"S1A11 SB S2\" id=\"t1i_97\">261 </span><span class=\"S1A12 SB S2\" id=\"t1j_97\">2,604 </span><span class=\"S1A13 SB S2\" id=\"t1k_97\">Loss allowance on securities </span><span class=\"S1A14 SB S2\" id=\"t1l_97\">at fair value through other comprehensive income </span><span class=\"S1A15 SB S2\" id=\"t1m_97\">and on securities at amortized cost </span><span class=\"S1A16 SA7 S2\" id=\"t1n_97\">Allowance for the period </span><span class=\"S1A17 SA7 S2\" id=\"t1o_97\">77,768 </span><span class=\"S1A18 SA7 S2\" id=\"t1p_97\">11,048 </span><span class=\"S1A19 SA7 S2\" id=\"t1q_97\">Release of allowance </span><span class=\"S1A1A SA7 S2\" id=\"t1r_97\">(16,994) </span><span class=\"S1A1B SA7 S2\" id=\"t1s_97\">(7,074) </span><span class=\"S1A1C SB S2\" id=\"t1t_97\">60,774 </span><span class=\"S1A1D SB S2\" id=\"t1u_97\">3,974 </span><span class=\"S1A1E SB S2\" id=\"t1v_97\">Impairment / (Release of impairment) of intangible, </span><span class=\"S1A1F SB S2\" id=\"t1w_97\">tangible assets subject to operating lease </span><span class=\"S1A20 SB S2\" id=\"t1x_97\">and of investment properties </span><span class=\"S1A21 SA7 S2\" id=\"t1y_97\">Impairment for the period </span><span class=\"S1A22 SA7 S2\" id=\"t1z_97\">1,389 </span><span class=\"S1A23 SA7 S2\" id=\"t20_97\">63 </span><span class=\"S1A24 SA7 S2\" id=\"t21_97\">Release of impairment </span><span class=\"S1A25 SA7 S2\" id=\"t22_97\">(185) </span><span class=\"S1A26 SA7 S2\" id=\"t23_97\">(501) </span><span class=\"S1A27 SB S2\" id=\"t24_97\">1,204 </span><span class=\"S1A28 SB S2\" id=\"t25_97\">(438) </span><span class=\"S1A29 SB S2\" id=\"t26_97\">Provision for </span><span class=\"S14B3 SB S2\" id=\"t27_97\">commitments and guarantees given </span><span class=\"S1A2A SA7 S2\" id=\"t28_97\">Provision for the period </span><span class=\"S1A2B SA7 S2\" id=\"t29_97\">102,928 </span><span class=\"S1A2C SA7 S2\" id=\"t2a_97\">28,869 </span><span class=\"S1A2D SA7 S2\" id=\"t2b_97\">Release of provision </span><span class=\"S1A2E SA7 S2\" id=\"t2c_97\">(96,783) </span><span class=\"S1A2F SA7 S2\" id=\"t2d_97\">(28,770) </span><span class=\"S1A30 SB S2\" id=\"t2e_97\">6,145 </span><span class=\"S1A31 SB S2\" id=\"t2f_97\">99 </span><span class=\"S1A32 SB S2\" id=\"t2g_97\">Loss allowances / Impairment and provisions </span><span class=\"S1A33 SB S2\" id=\"t2h_97\">210,458 </span><span class=\"S1A34 SB S2\" id=\"t2i_97\">47,645 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExposureExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f8970": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_97\">NOTE 31: </span><span class=\"SDB9 SB S2\" id=\"t4_97\">LOSS ALLOWANCES / IMPAIRMENT / PROVISIONS (in HUF mn) </span><span class=\"S19E2 SB S2\" id=\"t5_97\">2022 </span><span class=\"S19E3 SB S2\" id=\"t6_97\">2021 </span><span class=\"S19E4 SB S2\" id=\"t7_97\">Loss allowance on loans </span><span class=\"S19E5 SA7 S2\" id=\"t8_97\">Loss allowance for the period </span><span class=\"S19E6 SA7 S2\" id=\"t9_97\">676,389 </span><span class=\"S19E7 SA7 S2\" id=\"ta_97\">546,284 </span><span class=\"S19E8 SA7 S2\" id=\"tb_97\">Release of loss allowance </span><span class=\"S19E9 SA7 S2\" id=\"tc_97\">(477,513) </span><span class=\"S19EA SA7 S2\" id=\"td_97\">(475,067) </span><span class=\"S19EB SA7 S2\" id=\"te_97\">from this: impairment gain </span><span class=\"S19EC SA7 S2\" id=\"tf_97\">9,517 </span><span class=\"S19ED SA7 S2\" id=\"tg_97\">10,179 </span><span class=\"S19EE SA7 S2\" id=\"th_97\">Income from loan recoveries </span><span class=\"S19EF SA7 S2\" id=\"ti_97\">(67,869) </span><span class=\"S19F0 SA7 S2\" id=\"tj_97\">(51,876) </span><span class=\"S19F1 SA7 S2\" id=\"tk_97\">Income from recoveries exceeding the gross loans </span><span class=\"S19F2 SA7 S2\" id=\"tl_97\">(8,658) </span><span class=\"S19F3 SA7 S2\" id=\"tm_97\">(8,752) </span><span class=\"S19F4 SA7 S2\" id=\"tn_97\">Impairment gain </span><span class=\"S19F5 SA7 S2\" id=\"to_97\">(50,715) </span><span class=\"S19F6 SA7 S2\" id=\"tp_97\">(35,194) </span><span class=\"S19F7 SA7 S2\" id=\"tq_97\">Income from provisions on loans before OTP acquisition </span><span class=\"S19F8 SA7 S2\" id=\"tr_97\">(1,664) </span><span class=\"S19F9 SA7 S2\" id=\"ts_97\">(1,622) </span><span class=\"S19FA SA7 S2\" id=\"tt_97\">Income from recoveries of written-off, </span><span class=\"S19FB SA7 S2\" id=\"tu_97\">but legally existing loans </span><span class=\"S19FC SA7 S2\" id=\"tv_97\">(6,832) </span><span class=\"S19FD SA7 S2\" id=\"tw_97\">(6,308) </span><span class=\"S19FE SA7 S2\" id=\"tx_97\">Change in the fair value attributable to changes in the </span><span class=\"S19FF SA7 S2\" id=\"ty_97\">credit risk of loans mandatorily measured </span><span class=\"S1A00 SA7 S2\" id=\"tz_97\">at fair value through profit of loss </span><span class=\"S1A01 SA7 S2\" id=\"t10_97\">(13,346) </span><span class=\"S1A02 SA7 S2\" id=\"t11_97\">16,289 </span><span class=\"S1A03 SA7 S2\" id=\"t12_97\">Loss allowance on finance lease </span><span class=\"S1A04 SA7 S2\" id=\"t13_97\">49,433 </span><span class=\"S1A05 SA7 S2\" id=\"t14_97\">20,694 </span><span class=\"S1A06 SA7 S2\" id=\"t15_97\">Release of loss allowance on finance lease </span><span class=\"S1A07 SA7 S2\" id=\"t16_97\">(25,020) </span><span class=\"S1A08 SA7 S2\" id=\"t17_97\">(14,918) </span><span class=\"S19A2 SB S2\" id=\"t18_97\">142,074 </span><span class=\"S14ED SB S2\" id=\"t19_97\">41,406 </span><span class=\"S1A09 SB S2\" id=\"t1a_97\">Loss allowance on due from banks, balances with </span><span class=\"S1A0A SB S2\" id=\"t1b_97\">National Banks, on placements and on repo receivables </span><span class=\"S1A0B SA7 S2\" id=\"t1c_97\">Allowance for the period </span><span class=\"S1A0C SA7 S2\" id=\"t1d_97\">51,130 </span><span class=\"S1A0D SA7 S2\" id=\"t1e_97\">27,341 </span><span class=\"S1A0E SA7 S2\" id=\"t1f_97\">Release of allowance </span><span class=\"S1A0F SA7 S2\" id=\"t1g_97\">(50,869) </span><span class=\"S1A10 SA7 S2\" id=\"t1h_97\">(24,737) </span><span class=\"S1A11 SB S2\" id=\"t1i_97\">261 </span><span class=\"S1A12 SB S2\" id=\"t1j_97\">2,604 </span><span class=\"S1A13 SB S2\" id=\"t1k_97\">Loss allowance on securities </span><span class=\"S1A14 SB S2\" id=\"t1l_97\">at fair value through other comprehensive income </span><span class=\"S1A15 SB S2\" id=\"t1m_97\">and on securities at amortized cost </span><span class=\"S1A16 SA7 S2\" id=\"t1n_97\">Allowance for the period </span><span class=\"S1A17 SA7 S2\" id=\"t1o_97\">77,768 </span><span class=\"S1A18 SA7 S2\" id=\"t1p_97\">11,048 </span><span class=\"S1A19 SA7 S2\" id=\"t1q_97\">Release of allowance </span><span class=\"S1A1A SA7 S2\" id=\"t1r_97\">(16,994) </span><span class=\"S1A1B SA7 S2\" id=\"t1s_97\">(7,074) </span><span class=\"S1A1C SB S2\" id=\"t1t_97\">60,774 </span><span class=\"S1A1D SB S2\" id=\"t1u_97\">3,974 </span><span class=\"S1A1E SB S2\" id=\"t1v_97\">Impairment / (Release of impairment) of intangible, </span><span class=\"S1A1F SB S2\" id=\"t1w_97\">tangible assets subject to operating lease </span><span class=\"S1A20 SB S2\" id=\"t1x_97\">and of investment properties </span><span class=\"S1A21 SA7 S2\" id=\"t1y_97\">Impairment for the period </span><span class=\"S1A22 SA7 S2\" id=\"t1z_97\">1,389 </span><span class=\"S1A23 SA7 S2\" id=\"t20_97\">63 </span><span class=\"S1A24 SA7 S2\" id=\"t21_97\">Release of impairment </span><span class=\"S1A25 SA7 S2\" id=\"t22_97\">(185) </span><span class=\"S1A26 SA7 S2\" id=\"t23_97\">(501) </span><span class=\"S1A27 SB S2\" id=\"t24_97\">1,204 </span><span class=\"S1A28 SB S2\" id=\"t25_97\">(438) </span><span class=\"S1A29 SB S2\" id=\"t26_97\">Provision for </span><span class=\"S14B3 SB S2\" id=\"t27_97\">commitments and guarantees given </span><span class=\"S1A2A SA7 S2\" id=\"t28_97\">Provision for the period </span><span class=\"S1A2B SA7 S2\" id=\"t29_97\">102,928 </span><span class=\"S1A2C SA7 S2\" id=\"t2a_97\">28,869 </span><span class=\"S1A2D SA7 S2\" id=\"t2b_97\">Release of provision </span><span class=\"S1A2E SA7 S2\" id=\"t2c_97\">(96,783) </span><span class=\"S1A2F SA7 S2\" id=\"t2d_97\">(28,770) </span><span class=\"S1A30 SB S2\" id=\"t2e_97\">6,145 </span><span class=\"S1A31 SB S2\" id=\"t2f_97\">99 </span><span class=\"S1A32 SB S2\" id=\"t2g_97\">Loss allowances / Impairment and provisions </span><span class=\"S1A33 SB S2\" id=\"t2h_97\">210,458 </span><span class=\"S1A34 SB S2\" id=\"t2i_97\">47,645 </span><span class=\"SFA4 SB S2\" id=\"t3_101\">NOTE 33: </span><span class=\"SDB9 SB S2\" id=\"t4_101\">GAIN AND LOSSES BY TRANSACTIONS (in HUF mn) </span><span class=\"S1B20 SB S2\" id=\"t5_101\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_101\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_101\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_101\">Gain by transactions </span><span class=\"S1B22 SA7 S2\" id=\"t9_101\">7,173 </span><span class=\"S1B23 SA7 S2\" id=\"ta_101\">5,662 </span><span class=\"S1B24 SA7 S2\" id=\"tb_101\">Loss by transactions </span><span class=\"S1B25 SA7 S2\" id=\"tc_101\">(3,700) </span><span class=\"S1B26 SA7 S2\" id=\"td_101\">(4,808) </span><span class=\"S1B27 SB S2\" id=\"te_101\">Gain from sale of loans, placements, finance lease </span><span class=\"S19EC SB S2\" id=\"tf_101\">3,473 </span><span class=\"S1B28 SB S2\" id=\"tg_101\">854 </span><span class=\"S1B29 SA7 S2\" id=\"th_101\">Gain by transactions </span><span class=\"S1B2A SA7 S2\" id=\"ti_101\">41 </span><span class=\"S1B06 SA7 S2\" id=\"tj_101\">3,552 </span><span class=\"S1B2B SA7 S2\" id=\"tk_101\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_101\">(5,169) </span><span class=\"S19F3 SA7 S2\" id=\"tm_101\">(2,521) </span><span class=\"S1B2C SB S2\" id=\"tn_101\">(Loss) / Gain from derecognition of securities </span><span class=\"S1B2D SB S2\" id=\"to_101\">and other receivables at amortized cost </span><span class=\"S19F8 SB S2\" id=\"tp_101\">(5,128) </span><span class=\"S1B0F SB S2\" id=\"tq_101\">1,031 </span><span class=\"S1B2E SB S2\" id=\"tr_101\">(Loss) / Gain from derecognition of financial </span><span class=\"S1B2F SB S2\" id=\"ts_101\">assets at amortized cost </span><span class=\"S1B30 SB S2\" id=\"tt_101\">(1,655) </span><span class=\"S1B31 SB S2\" id=\"tu_101\">1,885 </span><span class=\"S1B32 SA7 S2\" id=\"tv_101\">Foreign exchange result consists of revaluation difference from converting assets and liabilities in foreign </span><span class=\"S1B33 SA7 S2\" id=\"tw_101\">currencies into the presentation currency of the consolidation financial statements. </span><span class=\"S1B34 SB S2\" id=\"tx_101\">Gains and losses by transactions </span><span class=\"S1B35 SB S2\" id=\"ty_101\">2022 </span><span class=\"S1B36 SB S2\" id=\"tz_101\">2021 </span><span class=\"S1B37 SA7 S2\" id=\"t10_101\">Gain by transactions </span><span class=\"S1B38 SA7 S2\" id=\"t11_101\">16,494 </span><span class=\"S1B39 SA7 S2\" id=\"t12_101\">9,553 </span><span class=\"S1B3A SA7 S2\" id=\"t13_101\">Loss by transactions </span><span class=\"S1B3B SA7 S2\" id=\"t14_101\">(19,645) </span><span class=\"S1B3C SA7 S2\" id=\"t15_101\">(4,537) </span><span class=\"S1B3D SB S2\" id=\"t16_101\">Fx (loss) / gain on securities at fair value through profit or loss </span><span class=\"S1B3E SB S2\" id=\"t17_101\">(3,151) </span><span class=\"S1B3F SB S2\" id=\"t18_101\">5,016 </span><span class=\"S1B40 SA7 S2\" id=\"t19_101\">Gain by transactions </span><span class=\"S1B41 SA7 S2\" id=\"t1a_101\">- </span><span class=\"S1B42 SA7 S2\" id=\"t1b_101\">2,405 </span><span class=\"S1B43 SA7 S2\" id=\"t1c_101\">Loss by transactions </span><span class=\"S1B44 SA7 S2\" id=\"t1d_101\">(323) </span><span class=\"S1B45 SA7 S2\" id=\"t1e_101\">(1,889) </span><span class=\"S1B46 SB S2\" id=\"t1f_101\">Fx (loss) / gain on derecognition of investment </span><span class=\"S1B47 SB S2\" id=\"t1g_101\">in subsidiaries, associates </span><span class=\"S1B48 SB S2\" id=\"t1h_101\">(323) </span><span class=\"S1B49 SB S2\" id=\"t1i_101\">516 </span><span class=\"S1B4A SA7 S2\" id=\"t1j_101\">Gain by transactions </span><span class=\"S1B4B SA7 S2\" id=\"t1k_101\">4,502 </span><span class=\"S1B4C SA7 S2\" id=\"t1l_101\">10,505 </span><span class=\"S1B4D SA7 S2\" id=\"t1m_101\">Loss by transactions </span><span class=\"S1B4E SA7 S2\" id=\"t1n_101\">(5,516) </span><span class=\"S1B4F SA7 S2\" id=\"t1o_101\">(13,092) </span><span class=\"S1B50 SB S2\" id=\"t1p_101\">Fx loss on securities at fair value </span><span class=\"S1B51 SB S2\" id=\"t1q_101\">through other comprehensive income </span><span class=\"S1B52 SB S2\" id=\"t1r_101\">(1,014) </span><span class=\"S1B53 SB S2\" id=\"t1s_101\">(2,587) </span><span class=\"S1B54 SA7 S2\" id=\"t1t_101\">Gain by transactions </span><span class=\"S1B55 SA7 S2\" id=\"t1u_101\">- </span><span class=\"S1B56 SA7 S2\" id=\"t1v_101\">2,847 </span><span class=\"S1B57 SA7 S2\" id=\"t1w_101\">Loss by transactions </span><span class=\"S1B58 SA7 S2\" id=\"t1x_101\">- </span><span class=\"S1B59 SA7 S2\" id=\"t1y_101\">(232) </span><span class=\"S1B5A SB S2\" id=\"t1z_101\">Fx gain on other securities </span><span class=\"S1B5B SB S2\" id=\"t20_101\">- </span><span class=\"S1B5C SB S2\" id=\"t21_101\">2,615 </span><span class=\"S1B5D SB S2\" id=\"t22_101\">(Loss) / Gain on securities, net </span><span class=\"S1B5E SB S2\" id=\"t23_101\">(4,488) </span><span class=\"S1B5F SB S2\" id=\"t24_101\">5,560 </span><span class=\"S1B60 SB S2\" id=\"t25_101\">Gains and losses by transactions </span><span class=\"S1B61 SB S2\" id=\"t26_101\">2022 </span><span class=\"S1B62 SB S2\" id=\"t27_101\">2021 </span><span class=\"S1B63 SA7 S2\" id=\"t28_101\">Gain by transactions </span><span class=\"S1B64 SA7 S2\" id=\"t29_101\">4,247 </span><span class=\"S1B65 SA7 S2\" id=\"t2a_101\">5,835 </span><span class=\"S1B66 SA7 S2\" id=\"t2b_101\">Loss by transactions </span><span class=\"S1B67 SA7 S2\" id=\"t2c_101\">(4,102) </span><span class=\"S1B68 SA7 S2\" id=\"t2d_101\">(1,023) </span><span class=\"S1B69 SB S2\" id=\"t2e_101\">Gain on non-trading securities mandatorily </span><span class=\"S1B6A SB S2\" id=\"t2f_101\">at fair value through profit or loss </span><span class=\"S1B6B SB S2\" id=\"t2g_101\">145 </span><span class=\"S1B6C SB S2\" id=\"t2h_101\">4,812 </span><span class=\"S1B6D SA7 S2\" id=\"t2i_101\">Gain by transactions </span><span class=\"S1B6E SA7 S2\" id=\"t2j_101\">50,693 </span><span class=\"S1B6F SA7 S2\" id=\"t2k_101\">36,591 </span><span class=\"S1B70 SA7 S2\" id=\"t2l_101\">Loss by transactions </span><span class=\"S1B71 SA7 S2\" id=\"t2m_101\">(60,234) </span><span class=\"S1B72 SA7 S2\" id=\"t2n_101\">(44,346) </span><span class=\"S1B73 SB S2\" id=\"t2o_101\">Loss on loans mandatorily at fair value through profit </span><span class=\"S1B74 SB S2\" id=\"t2p_101\">or loss (adjustment resulting from change in market factors) </span><span class=\"S1B75 SB S2\" id=\"t2q_101\">(9,541) </span><span class=\"S1B76 SB S2\" id=\"t2r_101\">(7,755) </span><span class=\"S1B77 SA7 S2\" id=\"t2s_101\">Gain by transactions </span><span class=\"S1B78 SA7 S2\" id=\"t2t_101\">7,809 </span><span class=\"S1B79 SA7 S2\" id=\"t2u_101\">2,868 </span><span class=\"S1B7A SA7 S2\" id=\"t2v_101\">Loss by transactions </span><span class=\"S1B7B SA7 S2\" id=\"t2w_101\">(2,577) </span><span class=\"S1B7C SA7 S2\" id=\"t2x_101\">(457) </span><span class=\"S1B7D SB S2\" id=\"t2y_101\">Gain on financial assets and liabilities </span><span class=\"S1B7E SB S2\" id=\"t2z_101\">designated at fair value through profit or loss </span><span class=\"S1B7F SB S2\" id=\"t30_101\">5,232 </span><span class=\"S1B80 SB S2\" id=\"t31_101\">2,411 </span><span class=\"S1B81 SB S2\" id=\"t32_101\">Fair value adjustment on financial instruments measured </span><span class=\"S1B82 SB S2\" id=\"t33_101\">at fair value through profit or loss </span><span class=\"S1B83 SB S2\" id=\"t34_101\">(4,164) </span><span class=\"S1B84 SB S2\" id=\"t35_101\">(532) </span><span class=\"SFA4 SB S2\" id=\"t3_102\">NOTE 33: </span><span class=\"S1B85 SB S2\" id=\"t4_102\">GAINS AND LOSSES (in HUF mn) [continued] </span><span class=\"S1B20 SB S2\" id=\"t5_102\">Gains and losses by transactions </span><span class=\"S19E2 SB S2\" id=\"t6_102\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_102\">2021 </span><span class=\"S1B21 SA7 S2\" id=\"t8_102\">Gain by transactions </span><span class=\"S19E6 SA7 S2\" id=\"t9_102\">147,311 </span><span class=\"S1A39 SA7 S2\" id=\"ta_102\">74,582 </span><span class=\"S1B24 SA7 S2\" id=\"tb_102\">Loss by transactions </span><span class=\"S19E9 SA7 S2\" id=\"tc_102\">(150,804) </span><span class=\"S1B86 SA7 S2\" id=\"td_102\">(64,034) </span><span class=\"S1B87 SB S2\" id=\"te_102\">(Loss) / Gain from fx swap, swap and option deals </span><span class=\"S1B88 SB S2\" id=\"tf_102\">(3,493) </span><span class=\"S19ED SB S2\" id=\"tg_102\">10,548 </span><span class=\"S1B89 SA7 S2\" id=\"th_102\">Gain by transactions </span><span class=\"S1B05 SA7 S2\" id=\"ti_102\">4,156 </span><span class=\"S1B06 SA7 S2\" id=\"tj_102\">2,684 </span><span class=\"S1B8A SA7 S2\" id=\"tk_102\">Loss by transactions </span><span class=\"S19F2 SA7 S2\" id=\"tl_102\">(5,082) </span><span class=\"S19F3 SA7 S2\" id=\"tm_102\">(3,005) </span><span class=\"S1B8B SB S2\" id=\"tn_102\">Loss from option deals </span><span class=\"S1B8C SB S2\" id=\"to_102\">(926) </span><span class=\"S1B8D SB S2\" id=\"tp_102\">(321) </span><span class=\"S1B8E SA7 S2\" id=\"tq_102\">Gain by transactions </span><span class=\"S1A42 SA7 S2\" id=\"tr_102\">148,699 </span><span class=\"S14DE SA7 S2\" id=\"ts_102\">94,639 </span><span class=\"S1B8F SA7 S2\" id=\"tt_102\">Loss by transactions </span><span class=\"S1B90 SA7 S2\" id=\"tu_102\">(132,968) </span><span class=\"S1B91 SA7 S2\" id=\"tv_102\">(95,794) </span><span class=\"S1B92 SB S2\" id=\"tw_102\">Gain / (Loss) from commodities deals </span><span class=\"S1B93 SB S2\" id=\"tx_102\">15,731 </span><span class=\"S1B94 SB S2\" id=\"ty_102\">(1,155) </span><span class=\"S1B95 SA7 S2\" id=\"tz_102\">Gain by transactions </span><span class=\"S1B16 SA7 S2\" id=\"t10_102\">752 </span><span class=\"S1B17 SA7 S2\" id=\"t11_102\">745 </span><span class=\"S1B96 SA7 S2\" id=\"t12_102\">Loss by transactions </span><span class=\"S1B97 SA7 S2\" id=\"t13_102\">(1,506) </span><span class=\"S1B98 SA7 S2\" id=\"t14_102\">(3,019) </span><span class=\"S1B99 SB S2\" id=\"t15_102\">Loss from futures deals </span><span class=\"S1B9A SB S2\" id=\"t16_102\">(754) </span><span class=\"S1B9B SB S2\" id=\"t17_102\">(2,274) </span><span class=\"S1B9C SB S2\" id=\"t18_102\">Net results on derivative instruments and hedge relationships </span><span class=\"S14E8 SB S2\" id=\"t19_102\">10,558 </span><span class=\"S1B9D SB S2\" id=\"t1a_102\">6,798 </span><span class=\"S1B9E SA7 S2\" id=\"t1b_102\">Gains and losses attributable to the hedged risk on the hedged item and on the hedging instruments and </span><span class=\"S1B9F SA7 S2\" id=\"t1c_102\">ineffectiveness in case of fair value hedge on amortised cost line items are as follows: </span><span class=\"S1BA0 SB S2\" id=\"t1d_102\">Fair value hedge </span><span class=\"S1BA1 SB S2\" id=\"t1e_102\">2022 </span><span class=\"S1BA2 SB S2\" id=\"t1f_102\">2021 </span><span class=\"S1BA3 SA7 S2\" id=\"t1g_102\">Hedged items </span><span class=\"S1BA4 SA7 S2\" id=\"t1h_102\">6,750 </span><span class=\"S1BA5 SA7 S2\" id=\"t1i_102\">17,406 </span><span class=\"S1BA6 SA7 S2\" id=\"t1j_102\">Hedging instrument </span><span class=\"S1BA7 SA7 S2\" id=\"t1k_102\">(9,352) </span><span class=\"S1BA8 SA7 S2\" id=\"t1l_102\">(15,147) </span><span class=\"S1BA9 SA7 S2\" id=\"t1m_102\">Hedge effectiveness </span><span class=\"S1BAA SA7 S2\" id=\"t1n_102\">(2,602) </span><span class=\"S1BAB SA7 S2\" id=\"t1o_102\">2,259 </span><span class=\"S1E4C SB S2\" id=\"t8_111\">37.1. Credit risk </span><span class=\"S1E4D SA7 S2\" id=\"t9_111\">The Group takes on exposure to credit risk which is the risk that a counter-party will be unable to pay amounts in </span><span class=\"S1E4E SA7 S2\" id=\"ta_111\">full when due. The Group structures the levels of credit risk it undertakes by placing limits on the amount of risk </span><span class=\"S7AD SA7 S2\" id=\"tb_111\">accepted in relation to one borrower, or banks of borrowers, and to geographical areas and loan types. Such risks </span><span class=\"S1E4F SA7 S2\" id=\"tc_111\">are monitored on a periodical basis and are subject to an annual or more frequent review. The exposure to any </span><span class=\"S1E50 SA7 S2\" id=\"td_111\">borrower including banks and brokers is further restricted by sub-limits covering on and off-balance sheet </span><span class=\"S1E51 SA7 S2\" id=\"te_111\">exposures and daily delivery risk limits in relation to trading items such as forward foreign exchange contracts. </span><span class=\"S1E52 SA7 S2\" id=\"tf_111\">Actual exposures against limits are monitored daily. </span><span class=\"S1E53 SA7 S2\" id=\"tg_111\">Exposure to credit risk is managed through regular analysis of the ability of borrowers and potential borrowers to </span><span class=\"S1E54 SA7 S2\" id=\"th_111\">meet interest and principal repayment obligations and by changing these lending limits when appropriate. </span><span class=\"S1E55 SA7 S2\" id=\"ti_111\">Exposure to credit risk is managed by obtaining collateral, corporate and personal guarantees. </span><span class=\"S1E56 SB S2\" id=\"tj_111\">Defining the expected credit loss on individual and collective basis </span><span class=\"SCCC SB S2\" id=\"tk_111\">On individual basis: </span><span class=\"S1E57 SA7 S2\" id=\"tl_111\">Individually assessed are the non-retail or non- micro- and small enterprise exposure of significant amount on a </span><span class=\"SAC4 SA7 S2\" id=\"tm_111\">stand-alone basis: </span><span class=\"S1E58 S602 S2\" id=\"tn_111\">\u2022 </span><span class=\"S1E59 SA7 S2\" id=\"to_111\">exposure in stage 3, </span><span class=\"S1E5A S602 S2\" id=\"tp_111\">\u2022 </span><span class=\"S1E5B SA7 S2\" id=\"tq_111\">exposure in workout management, </span><span class=\"S1E5C S602 S2\" id=\"tr_111\">\u2022 </span><span class=\"S1E5D SA7 S2\" id=\"ts_111\">purchased or originated credit-impaired instruments which are in accordance with the conditions mentioned </span><span class=\"S1E5E SA7 S2\" id=\"tt_111\">above. </span><span class=\"S1E5F SA7 S2\" id=\"tu_111\">The calculation of impairment must be prepared and approved by the risk management functional areas. The </span><span class=\"S1E60 SA7 S2\" id=\"tv_111\">calculation, all relevant factors (amortized cost, original and current EIR, contracted and expected cash flows (from </span><span class=\"S1E61 SA7 S2\" id=\"tw_111\">business and/or collateral) for the individual periods of the entire lifecycle, other essential information enforced </span><span class=\"S1E62 SA7 S2\" id=\"tx_111\">during the valuation) and the criteria thereof (including the factors underlying the classification as stage 3) must </span><span class=\"S1E63 SA7 S2\" id=\"ty_111\">be documented individually. </span><span class=\"S1E64 S5B9 S2\" id=\"tz_111\">The expected credit loss of the exposure equals the difference of the items\u2019 AC (gross book value) on the valuation </span><span class=\"S1E65 SA7 S2\" id=\"t10_111\">date and the present value of the receivable's expected cash flows discounted to the valuation date by the exposure's </span><span class=\"S1E66 SA7 S2\" id=\"t11_111\">original effective interest rate (EIR) (calculated at the initial recognition, or in the case of variable rate, recalculated </span><span class=\"S1E67 SA7 S2\" id=\"t12_111\">due to the last interest rate change). The estimation of the expected future cash flows should be forward looking, </span><span class=\"S1E68 SA7 S2\" id=\"t13_111\">it must also contain the effects of the possible change of macroeconomic outlook. </span><span class=\"S1E69 SA7 S2\" id=\"t14_111\">At least two scenarios must be used for the estimation of the expected cash flow. It should be at least one scenario </span><span class=\"S1E6A SA7 S2\" id=\"t15_111\">in which the entity anticipates that realized cash flows will be significantly different from the contractual cash </span><span class=\"S1E6B SA7 S2\" id=\"t16_111\">flows. Probability weights must be allocated to the individual scenarios. The estimation must reflect the probability </span><span class=\"S1E6C SA7 S2\" id=\"t17_111\">of the occurrence and non-occurrence of the credit loss, even if the most probable result is the non-occurrence of </span><span class=\"S1E6D SA7 S2\" id=\"t18_111\">the loss. </span><span class=\"S1E6F SB S2\" id=\"t5_112\">37.1.  Credit risk [continued] </span><span class=\"S1E70 SB S2\" id=\"t6_112\">Defining the expected credit loss on individual and collective basis [continued] </span><span class=\"S1E71 SB S2\" id=\"t7_112\">On collective basis: </span><span class=\"S1E72 SA7 S2\" id=\"t8_112\">The following exposures are subject to collective assessment: </span><span class=\"S1E73 S602 S2\" id=\"t9_112\">\u2022 </span><span class=\"S1E74 SA7 S2\" id=\"ta_112\">retail exposure irrespective of the amount, </span><span class=\"S1E75 S602 S2\" id=\"tb_112\">\u2022 </span><span class=\"S1E76 SA7 S2\" id=\"tc_112\">micro and small enterprise exposures irrespective of the amount, </span><span class=\"S1E77 S602 S2\" id=\"td_112\">\u2022 </span><span class=\"S1E78 SA7 S2\" id=\"te_112\">all other exposure which are insignificant on a stand-alone basis and not part of the workout management, </span><span class=\"S1E79 S602 S2\" id=\"tf_112\">\u2022 </span><span class=\"S1E7A SA7 S2\" id=\"tg_112\">exposure which are not in stage 3, significant on a stand-alone basis, </span><span class=\"S1E7B S602 S2\" id=\"th_112\">\u2022 </span><span class=\"S1E7C SA7 S2\" id=\"ti_112\">purchased or originated credit-impaired instruments which are in accordance with the conditions mentioned </span><span class=\"S1E7D SA7 S2\" id=\"tj_112\">above. </span><span class=\"S1E7E SA7 S2\" id=\"tk_112\">In the collective impairment methodology credit risk and the change of credit risk can be correctly captured by </span><span class=\"S1E7F SA7 S2\" id=\"tl_112\">understanding the risk characteristics of the portfolio. In order to achieve this, the main risk drivers shall be </span><span class=\"S1E80 SA7 S2\" id=\"tm_112\">identified and used to form homogeneous segments having similar risk characteristics. The segmentation is </span><span class=\"S1E81 SA7 S2\" id=\"tn_112\">expected to stay stable from month to month, however a regular (at least yearly) revision of the segmentation </span><span class=\"S1E82 SA7 S2\" id=\"to_112\">process should be set up to capture the change of risk characteristics. The segmentation must be performed </span><span class=\"S1E83 SA7 S2\" id=\"tp_112\">separately for each parameter, since in each case different factors may have relevance. </span><span class=\"S1E84 SA7 S2\" id=\"tq_112\">The Bank's Headquarter Group Reserve Committee stipulates the guidelines related to the collective impairment </span><span class=\"S1E85 SA7 S2\" id=\"tr_112\">methodology at group level. In addition, it has right of agreement in respect of the risk parameters (PD -probability </span><span class=\"S1E86 SA7 S2\" id=\"ts_112\">of default, LGD - loss given default, EAD </span><span class=\"S1E87 S5B9 S2\" id=\"tt_112\">\u2013 </span><span class=\"S1E88 SA7 S2\" id=\"tu_112\">exposure at default) and segmentation criteria proposed by the group </span><span class=\"S1E89 SA7 S2\" id=\"tv_112\">members. </span><span class=\"S1E8A SA7 S2\" id=\"tw_112\">The review of the parameters must be performed at least annually, and the results should be approved by the Group </span><span class=\"S1E8B SA7 S2\" id=\"tx_112\">Reserve Committee. Local Risk Managements are responsible for parameter estimations / updates, macroeconomic </span><span class=\"S1E8C SA7 S2\" id=\"ty_112\">scenarios are calculated by OTP Bank Headquarter for each subsidiary and each parameter. Based on the consensus </span><span class=\"S1E8D SA7 S2\" id=\"tz_112\">proposal of Local Risk Management and OTP Bank Headquarter, the Group Reserve Committee decides on the </span><span class=\"S1E8E SA7 S2\" id=\"t10_112\">modification of parameters (all parameters for impairment calculation). </span><span class=\"S1E8F SA7 S2\" id=\"t11_112\">At least on a yearly basis the impairment parameters should be back tested as well. </span><span class=\"S1E90 SA7 S2\" id=\"t12_112\">The expected loss calculation should be forward looking, including forecasts of future economic conditions. This </span><span class=\"S1E91 SA7 S2\" id=\"t13_112\">may be achieved by applying 3-5 different macroeconomic scenarios, which may be integrated in the PD, LGD </span><span class=\"S1E92 SA7 S2\" id=\"t14_112\">and EAD parameters. </span><span class=\"S1E93 SA7 S2\" id=\"t15_112\">In 2022 in Slovenia and Romania the PD parameter estimation was extended to estimate parameters based on </span><span class=\"S1E94 SA7 S2\" id=\"t16_112\">rating categories only. The more granular estimation resulted EUR 11 million less impairment in Slovenia, while </span><span class=\"S1E95 SA7 S2\" id=\"t17_112\">in Romania the RON 95 million impairment release outcome of the review was netted with a post model </span><span class=\"S1E96 SA7 S2\" id=\"t18_112\">adjustment resulting neutral overall effect. </span><span class=\"S1E99 SB S2\" id=\"t5_113\">37.1.  Credit risk [continued] </span><span class=\"S1E9A SB S2\" id=\"t6_113\">37.1.1.  Financial instruments by stages </span><span class=\"S1E9B SA7 S2\" id=\"t7_113\">Gross carrying amount and accumulated loss allowance of financial assets at amortized cost and of interest-bearing securities at fair value through other comprehensive </span><span class=\"S1E9C SA7 S2\" id=\"t8_113\">income and financial commitments and provision on them by stages as at 31 December 2022: </span><span class=\"S1E9D S27D S2\" id=\"t9_113\">Gross carrying amount / Notional value </span><span class=\"S1E9E S27D S2\" id=\"ta_113\">Accumulated loss allowance / Provision </span><span class=\"S1E9F S27D S2\" id=\"tb_113\">2022 </span><span class=\"S1EA0 S27D S2\" id=\"tc_113\">Carrying </span><span class=\"S1EA1 S27D S2\" id=\"td_113\">amount / </span><span class=\"S1EA2 S27D S2\" id=\"te_113\">Exposure </span><span class=\"S1EA3 S27D S2\" id=\"tf_113\">Stage 1 </span><span class=\"S1EA4 S27D S2\" id=\"tg_113\">Stage 2 </span><span class=\"S1EA5 S27D S2\" id=\"th_113\">Stage 3 </span><span class=\"S1EA6 S27D S2\" id=\"ti_113\">POCI </span><span class=\"S1EA7 S27D S2\" id=\"tj_113\">Total </span><span class=\"S1EA8 S27D S2\" id=\"tk_113\">Stage 1 </span><span class=\"S1EA9 S27D S2\" id=\"tl_113\">Stage 2 </span><span class=\"S1EAA S27D S2\" id=\"tm_113\">Stage 3 </span><span class=\"S1EAB S27D S2\" id=\"tn_113\">POCI </span><span class=\"S1EAC S27D S2\" id=\"to_113\">Total </span><span class=\"S1EAD S27E S2\" id=\"tp_113\">Placements with other banks </span><span class=\"S1EAE S27D S2\" id=\"tq_113\">1,351,082 </span><span class=\"S1EAF S27E S2\" id=\"tr_113\">1,354,832 </span><span class=\"S1EB0 S27E S2\" id=\"ts_113\">63 </span><span class=\"S1EB1 S27E S2\" id=\"tt_113\">24 </span><span class=\"S1EB2 S27E S2\" id=\"tu_113\">- </span><span class=\"S1EB3 S27D S2\" id=\"tv_113\">1,354,919 </span><span class=\"S1EB4 S27E S2\" id=\"tw_113\">3,801 </span><span class=\"S1EB5 S27E S2\" id=\"tx_113\">12 </span><span class=\"S1EB6 S27E S2\" id=\"ty_113\">24 </span><span class=\"S1EB7 S27E S2\" id=\"tz_113\">- </span><span class=\"S1EB8 S27D S2\" id=\"t10_113\">3,837 </span><span class=\"S1EB9 S27E S2\" id=\"t11_113\">Repo receivables </span><span class=\"S1EBA S27D S2\" id=\"t12_113\">41,009 </span><span class=\"S1EBB S27E S2\" id=\"t13_113\">41,250 </span><span class=\"S1EBC S27E S2\" id=\"t14_113\">- </span><span class=\"S1EBD S27E S2\" id=\"t15_113\">- </span><span class=\"S1EBE S27E S2\" id=\"t16_113\">- </span><span class=\"S1EBF S27D S2\" id=\"t17_113\">41,250 </span><span class=\"S1EC0 S27E S2\" id=\"t18_113\">241 </span><span class=\"S1EC1 S27E S2\" id=\"t19_113\">- </span><span class=\"S1EC2 S27E S2\" id=\"t1a_113\">- </span><span class=\"S1EC3 S27E S2\" id=\"t1b_113\">- </span><span class=\"S1EC4 S27D S2\" id=\"t1c_113\">241 </span><span class=\"S1EC5 S27E S2\" id=\"t1d_113\">Mortgage loans </span><span class=\"S1EC6 S27D S2\" id=\"t1e_113\">4,433,192 </span><span class=\"S1EC7 S27E S2\" id=\"t1f_113\">3,975,636 </span><span class=\"S1EC8 S27E S2\" id=\"t1g_113\">373,433 </span><span class=\"S1EC9 S27E S2\" id=\"t1h_113\">161,684 </span><span class=\"S1ECA S27E S2\" id=\"t1i_113\">53,844 </span><span class=\"S1ECB S27D S2\" id=\"t1j_113\">4,564,597 </span><span class=\"S1ECC S27E S2\" id=\"t1k_113\">12,638 </span><span class=\"S1ECD S27E S2\" id=\"t1l_113\">23,738 </span><span class=\"S1ECE S27E S2\" id=\"t1m_113\">78,932 </span><span class=\"S1ECF S27E S2\" id=\"t1n_113\">16,097 </span><span class=\"S1ED0 S27D S2\" id=\"t1o_113\">131,405 </span><span class=\"S1ED1 S27E S2\" id=\"t1p_113\">Loans to medium </span><span class=\"S1ED2 S27E S2\" id=\"t1q_113\">and large corporates </span><span class=\"S1ED3 S27D S2\" id=\"t1r_113\">6,824,520 </span><span class=\"S1ED4 S27E S2\" id=\"t1s_113\">5,912,383 </span><span class=\"S1ED5 S27E S2\" id=\"t1t_113\">996,292 </span><span class=\"S1ED6 S27E S2\" id=\"t1u_113\">202,188 </span><span class=\"S1ED7 S27E S2\" id=\"t1v_113\">25,350 </span><span class=\"S1ED8 S27D S2\" id=\"t1w_113\">7,136,213 </span><span class=\"S1ED9 S27E S2\" id=\"t1x_113\">64,479 </span><span class=\"S1EDA S27E S2\" id=\"t1y_113\">100,793 </span><span class=\"S1EDB S27E S2\" id=\"t1z_113\">138,877 </span><span class=\"S1EDC S27E S2\" id=\"t20_113\">7,544 </span><span class=\"S1EDD S27D S2\" id=\"t21_113\">311,693 </span><span class=\"S1EDE S27E S2\" id=\"t22_113\">Consumer loans </span><span class=\"S1EDF S27D S2\" id=\"t23_113\">3,199,520 </span><span class=\"S1EE0 S27E S2\" id=\"t24_113\">2,879,094 </span><span class=\"S1EE1 S27E S2\" id=\"t25_113\">363,047 </span><span class=\"S1EE2 S27E S2\" id=\"t26_113\">388,258 </span><span class=\"S1EE3 S27E S2\" id=\"t27_113\">13,495 </span><span class=\"S1EE4 S27D S2\" id=\"t28_113\">3,643,894 </span><span class=\"S1EE5 S27E S2\" id=\"t29_113\">61,424 </span><span class=\"S1EE6 S27E S2\" id=\"t2a_113\">81,256 </span><span class=\"S1EE7 S27E S2\" id=\"t2b_113\">294,251 </span><span class=\"S1EE8 S27E S2\" id=\"t2c_113\">7,443 </span><span class=\"S1EE9 S27D S2\" id=\"t2d_113\">444,374 </span><span class=\"S1EEA S27E S2\" id=\"t2e_113\">Loans to micro </span><span class=\"S1EEB S27E S2\" id=\"t2f_113\">and small enterprises </span><span class=\"S1EEC S27D S2\" id=\"t2g_113\">594,427 </span><span class=\"S1EED S27E S2\" id=\"t2h_113\">460,940 </span><span class=\"S1EEE S27E S2\" id=\"t2i_113\">114,173 </span><span class=\"S1EEF S27E S2\" id=\"t2j_113\">64,383 </span><span class=\"S1EF0 S27E S2\" id=\"t2k_113\">3,079 </span><span class=\"S1EF1 S27D S2\" id=\"t2l_113\">642,575 </span><span class=\"S1EF2 S27E S2\" id=\"t2m_113\">4,710 </span><span class=\"S1EF3 S27E S2\" id=\"t2n_113\">9,136 </span><span class=\"S1EF4 S27E S2\" id=\"t2o_113\">32,558 </span><span class=\"S1EF5 S27E S2\" id=\"t2p_113\">1,744 </span><span class=\"S1EF6 S27D S2\" id=\"t2q_113\">48,148 </span><span class=\"S1EF7 S27E S2\" id=\"t2r_113\">Car-finance loans </span><span class=\"S1EF8 S27D S2\" id=\"t2s_113\">512,580 </span><span class=\"S1EF9 S27E S2\" id=\"t2t_113\">433,316 </span><span class=\"S1EFA S27E S2\" id=\"t2u_113\">82,146 </span><span class=\"S1EFB S27E S2\" id=\"t2v_113\">20,705 </span><span class=\"S1EFC S27E S2\" id=\"t2w_113\">1,098 </span><span class=\"S1EFD S27D S2\" id=\"t2x_113\">537,265 </span><span class=\"S1EFE S27E S2\" id=\"t2y_113\">5,751 </span><span class=\"S1EFF S27E S2\" id=\"t2z_113\">6,830 </span><span class=\"S1F00 S27E S2\" id=\"t30_113\">11,199 </span><span class=\"S1F01 S27E S2\" id=\"t31_113\">905 </span><span class=\"S1F02 S27D S2\" id=\"t32_113\">24,685 </span><span class=\"S1F03 S27E S2\" id=\"t33_113\">Municipal loans </span><span class=\"S1F04 S27D S2\" id=\"t34_113\">530,219 </span><span class=\"S1F05 S27E S2\" id=\"t35_113\">515,299 </span><span class=\"S1F06 S27E S2\" id=\"t36_113\">20,229 </span><span class=\"S1F07 S27E S2\" id=\"t37_113\">746 </span><span class=\"S1F08 S27E S2\" id=\"t38_113\">- </span><span class=\"S1F09 S27D S2\" id=\"t39_113\">536,274 </span><span class=\"S1F0A S27E S2\" id=\"t3a_113\">3,187 </span><span class=\"S1F0B S27E S2\" id=\"t3b_113\">2,212 </span><span class=\"S1F0C S27E S2\" id=\"t3c_113\">656 </span><span class=\"S1F0D S27E S2\" id=\"t3d_113\">- </span><span class=\"S1F0E S27D S2\" id=\"t3e_113\">6,055 </span><span class=\"S1F0F S27D S2\" id=\"t3f_113\">Loans at amortized cost </span><span class=\"S1F10 S27D S2\" id=\"t3g_113\">16,094,458 </span><span class=\"S1F11 S27D S2\" id=\"t3h_113\">14,176,668 </span><span class=\"S1F12 S27D S2\" id=\"t3i_113\">1,949,320 </span><span class=\"S1F13 S27D S2\" id=\"t3j_113\">837,964 </span><span class=\"S1F14 S27D S2\" id=\"t3k_113\">96,866 </span><span class=\"S1F15 S27D S2\" id=\"t3l_113\">17,060,818 </span><span class=\"S1F16 S27D S2\" id=\"t3m_113\">152,189 </span><span class=\"S1F17 S27D S2\" id=\"t3n_113\">223,965 </span><span class=\"S1F18 S27D S2\" id=\"t3o_113\">556,473 </span><span class=\"S1F19 S27D S2\" id=\"t3p_113\">33,733 </span><span class=\"S1F1A S27D S2\" id=\"t3q_113\">966,360 </span><span class=\"S1F1B S27E S2\" id=\"t3r_113\">Finance lease receivable </span><span class=\"S1F1C S27D S2\" id=\"t3s_113\">1,298,752 </span><span class=\"S1F1D S27E S2\" id=\"t3t_113\">1,045,688 </span><span class=\"S1F1E S27E S2\" id=\"t3u_113\">235,817 </span><span class=\"S1F1F S27E S2\" id=\"t3v_113\">70,050 </span><span class=\"S1F20 S27E S2\" id=\"t3w_113\">328 </span><span class=\"S1F21 S27D S2\" id=\"t3x_113\">1,351,883 </span><span class=\"S1F22 S27E S2\" id=\"t3y_113\">4,797 </span><span class=\"S1F23 S27E S2\" id=\"t3z_113\">15,241 </span><span class=\"S1F24 S27E S2\" id=\"t40_113\">32,875 </span><span class=\"S1F25 S27E S2\" id=\"t41_113\">218 </span><span class=\"S1F26 S27D S2\" id=\"t42_113\">53,131 </span><span class=\"S1F27 S27E S2\" id=\"t43_113\">Interest bearing securities at </span><span class=\"S1F28 S27E S2\" id=\"t44_113\">fair value through other </span><span class=\"S1F29 S27E S2\" id=\"t45_113\">comprehensive income </span><span class=\"S1F2A S1F81 S2\" id=\"t46_113\">1 </span><span class=\"S1F2B S27D S2\" id=\"t47_113\">1,699,446 </span><span class=\"S1F2C S27E S2\" id=\"t48_113\">1,642,481 </span><span class=\"S1F2D S27E S2\" id=\"t49_113\">28,285 </span><span class=\"S1F2E S27E S2\" id=\"t4a_113\">28,680 </span><span class=\"S1F2F S27E S2\" id=\"t4b_113\">- </span><span class=\"S1F30 S27D S2\" id=\"t4c_113\">1,699,446 </span><span class=\"S1F31 S27E S2\" id=\"t4d_113\">13,754 </span><span class=\"S1F32 S27E S2\" id=\"t4e_113\">1,040 </span><span class=\"S1F33 S27E S2\" id=\"t4f_113\">24,831 </span><span class=\"S1F34 S27E S2\" id=\"t4g_113\">- </span><span class=\"S1F35 S27D S2\" id=\"t4h_113\">39,625 </span><span class=\"S1F36 S27E S2\" id=\"t4i_113\">Securities at amortized cost </span><span class=\"S1F37 S27D S2\" id=\"t4j_113\">4,891,938 </span><span class=\"S1F38 S27E S2\" id=\"t4k_113\">4,867,061 </span><span class=\"S1F39 S27E S2\" id=\"t4l_113\">15,141 </span><span class=\"S1F3A S27E S2\" id=\"t4m_113\">52,785 </span><span class=\"S1F3B S27E S2\" id=\"t4n_113\">- </span><span class=\"S1F3C S27D S2\" id=\"t4o_113\">4,934,987 </span><span class=\"S1F3D S27E S2\" id=\"t4p_113\">23,675 </span><span class=\"S1F3E S27E S2\" id=\"t4q_113\">611 </span><span class=\"S1F3F S27E S2\" id=\"t4r_113\">18,763 </span><span class=\"S1F40 S27E S2\" id=\"t4s_113\">- </span><span class=\"S1F41 S27D S2\" id=\"t4t_113\">43,049 </span><span class=\"S1F42 S27D S2\" id=\"t4u_113\">Financial assets total </span><span class=\"S1F43 S27D S2\" id=\"t4v_113\">25,376,685 </span><span class=\"S1F44 S27D S2\" id=\"t4w_113\">23,127,980 </span><span class=\"S1F45 S27D S2\" id=\"t4x_113\">2,228,626 </span><span class=\"S1F46 S27D S2\" id=\"t4y_113\">989,503 </span><span class=\"S1F47 S27D S2\" id=\"t4z_113\">97,194 </span><span class=\"S1F48 S27D S2\" id=\"t50_113\">26,443,303 </span><span class=\"S1F49 S27D S2\" id=\"t51_113\">198,457 </span><span class=\"S1F4A S27D S2\" id=\"t52_113\">240,869 </span><span class=\"S1F4B S27D S2\" id=\"t53_113\">632,966 </span><span class=\"S1F4C S27D S2\" id=\"t54_113\">33,951 </span><span class=\"S1F4D S27D S2\" id=\"t55_113\">1,106,243 </span><span class=\"S1F4E S27E S2\" id=\"t56_113\">Loan commitments given </span><span class=\"S1F4F S27D S2\" id=\"t57_113\">4,191,766 </span><span class=\"S1F50 S27E S2\" id=\"t58_113\">3,954,773 </span><span class=\"S1F51 S27E S2\" id=\"t59_113\">258,655 </span><span class=\"S1F52 S27E S2\" id=\"t5a_113\">16,660 </span><span class=\"S1F53 S27E S2\" id=\"t5b_113\">201 </span><span class=\"S1F54 S27D S2\" id=\"t5c_113\">4,230,289 </span><span class=\"S1F55 S27E S2\" id=\"t5d_113\">24,124 </span><span class=\"S1F56 S27E S2\" id=\"t5e_113\">11,285 </span><span class=\"S1F57 S27E S2\" id=\"t5f_113\">3,085 </span><span class=\"S1F58 S27E S2\" id=\"t5g_113\">29 </span><span class=\"S1F59 S27D S2\" id=\"t5h_113\">38,523 </span><span class=\"S1F5A S27E S2\" id=\"t5i_113\">Financial guarantees given </span><span class=\"S1F5B S27D S2\" id=\"t5j_113\">1,447,014 </span><span class=\"S1F5C S27E S2\" id=\"t5k_113\">1,378,871 </span><span class=\"S1F5D S27E S2\" id=\"t5l_113\">80,187 </span><span class=\"S1F5E S27E S2\" id=\"t5m_113\">7,515 </span><span class=\"S1F5F S27E S2\" id=\"t5n_113\">1 </span><span class=\"S1F60 S27D S2\" id=\"t5o_113\">1,466,574 </span><span class=\"S1F61 S27E S2\" id=\"t5p_113\">14,678 </span><span class=\"S1F62 S27E S2\" id=\"t5q_113\">2,932 </span><span class=\"S1F63 S27E S2\" id=\"t5r_113\">1,950 </span><span class=\"S1F64 S27E S2\" id=\"t5s_113\">- </span><span class=\"S1F65 S27D S2\" id=\"t5t_113\">19,560 </span><span class=\"S1F66 S27E S2\" id=\"t5u_113\">Other commitments given </span><span class=\"S1F67 S27D S2\" id=\"t5v_113\">559,224 </span><span class=\"S1F68 S27E S2\" id=\"t5w_113\">509,314 </span><span class=\"S1F69 S27E S2\" id=\"t5x_113\">20,394 </span><span class=\"S1F6A S27E S2\" id=\"t5y_113\">34,805 </span><span class=\"S1F6B S27E S2\" id=\"t5z_113\">- </span><span class=\"S1F6C S27D S2\" id=\"t60_113\">564,513 </span><span class=\"S1F6D S27E S2\" id=\"t61_113\">2,755 </span><span class=\"S1F6E S27E S2\" id=\"t62_113\">904 </span><span class=\"S1F6F S27E S2\" id=\"t63_113\">1,630 </span><span class=\"S1F70 S27E S2\" id=\"t64_113\">- </span><span class=\"S1F71 S27D S2\" id=\"t65_113\">5,289 </span><span class=\"S1F72 S27D S2\" id=\"t66_113\">Financial liabilities total </span><span class=\"S1F73 S27D S2\" id=\"t67_113\">6,198,004 </span><span class=\"S1F74 S27D S2\" id=\"t68_113\">5,842,958 </span><span class=\"S1F75 S27D S2\" id=\"t69_113\">359,236 </span><span class=\"S1F76 S27D S2\" id=\"t6a_113\">58,980 </span><span class=\"S1F77 S27D S2\" id=\"t6b_113\">202 </span><span class=\"S1F78 S27D S2\" id=\"t6c_113\">6,261,376 </span><span class=\"S1F79 S27D S2\" id=\"t6d_113\">41,557 </span><span class=\"S1F7A S27D S2\" id=\"t6e_113\">15,121 </span><span class=\"S1F7B S27D S2\" id=\"t6f_113\">6,665 </span><span class=\"S1F7C S27D S2\" id=\"t6g_113\">29 </span><span class=\"S1F7D S27D S2\" id=\"t6h_113\">63,372 </span><span class=\"S1F7E S482 S2\" id=\"t6i_113\">1 </span><span class=\"S1F7F S483 S2\" id=\"t6j_113\">Interest bearing securities at fair value through other comprehensive income are recognized in the Consolidated statement of financial position as at fair value (see in Note 9). Loss allowances for securities at fair value </span><span class=\"S1F80 S483 S2\" id=\"t6k_113\">through other comprehensive income that are in Stage 1 and / or in Stage 2 is recognized in the Other comprehensive income. It is included in the accumulated loss allowance of this table showed above. </span><span class=\"S1E99 SB S2\" id=\"t5_114\">37.1.  Credit risk [continued] </span><span class=\"S1F83 SB S2\" id=\"t6_114\">37.1.1.  Financial instruments by stages [continued] </span><span class=\"S1E9B SA7 S2\" id=\"t7_114\">Gross carrying amount and accumulated loss allowance of financial assets at amortized cost and of interest-bearing securities at fair value through other comprehensive </span><span class=\"S1E9C SA7 S2\" id=\"t8_114\">income and financial commitments and provision on them by stages as at 31 December 2021: </span><span class=\"S1E9D S27D S2\" id=\"t9_114\">Gross carrying amount / Notional value </span><span class=\"S1E9E S27D S2\" id=\"ta_114\">Accumulated loss allowance / Provision </span><span class=\"S1E9F S27D S2\" id=\"tb_114\">2021 </span><span class=\"S1F84 S27D S2\" id=\"tc_114\">Carrying </span><span class=\"S1EA1 S27D S2\" id=\"td_114\">amount / </span><span class=\"S1EA2 S27D S2\" id=\"te_114\">Exposure </span><span class=\"S1EA3 S27D S2\" id=\"tf_114\">Stage 1 </span><span class=\"S1EA4 S27D S2\" id=\"tg_114\">Stage 2 </span><span class=\"S1F85 S27D S2\" id=\"th_114\">Stage 3 </span><span class=\"S1EA6 S27D S2\" id=\"ti_114\">POCI </span><span class=\"S1EA7 S27D S2\" id=\"tj_114\">Total </span><span class=\"S1EA8 S27D S2\" id=\"tk_114\">Stage 1 </span><span class=\"S1EA9 S27D S2\" id=\"tl_114\">Stage 2 </span><span class=\"S1EAA S27D S2\" id=\"tm_114\">Stage 3 </span><span class=\"S1EAB S27D S2\" id=\"tn_114\">POCI </span><span class=\"S1EAC S27D S2\" id=\"to_114\">Total </span><span class=\"S1EAD S27E S2\" id=\"tp_114\">Placements with other banks </span><span class=\"S1EAE S27D S2\" id=\"tq_114\">1,584,861 </span><span class=\"S1F86 S27E S2\" id=\"tr_114\">1,587,827 </span><span class=\"S1F87 S27E S2\" id=\"ts_114\">- </span><span class=\"S1F88 S27E S2\" id=\"tt_114\">28 </span><span class=\"S1EB2 S27E S2\" id=\"tu_114\">- </span><span class=\"S1EB3 S27D S2\" id=\"tv_114\">1,587,855 </span><span class=\"S1EB4 S27E S2\" id=\"tw_114\">2,966 </span><span class=\"S1F89 S27E S2\" id=\"tx_114\">- </span><span class=\"S1EB6 S27E S2\" id=\"ty_114\">28 </span><span class=\"S1EB7 S27E S2\" id=\"tz_114\">- </span><span class=\"S1EB8 S27D S2\" id=\"t10_114\">2,994 </span><span class=\"S1EB9 S27E S2\" id=\"t11_114\">Repo receivables </span><span class=\"S1EBA S27D S2\" id=\"t12_114\">61,052 </span><span class=\"S1EBB S27E S2\" id=\"t13_114\">61,342 </span><span class=\"S1EBC S27E S2\" id=\"t14_114\">- </span><span class=\"S1EBD S27E S2\" id=\"t15_114\">- </span><span class=\"S1EBE S27E S2\" id=\"t16_114\">- </span><span class=\"S1EBF S27D S2\" id=\"t17_114\">61,342 </span><span class=\"S1EC0 S27E S2\" id=\"t18_114\">290 </span><span class=\"S1EC1 S27E S2\" id=\"t19_114\">- </span><span class=\"S1EC2 S27E S2\" id=\"t1a_114\">- </span><span class=\"S1EC3 S27E S2\" id=\"t1b_114\">- </span><span class=\"S1F8A S27D S2\" id=\"t1c_114\">290 </span><span class=\"S1EC5 S27E S2\" id=\"t1d_114\">Mortgage loans </span><span class=\"S1EC6 S27D S2\" id=\"t1e_114\">3,822,426 </span><span class=\"S1F8B S27E S2\" id=\"t1f_114\">3,173,491 </span><span class=\"S1EC8 S27E S2\" id=\"t1g_114\">559,939 </span><span class=\"S1F8C S27E S2\" id=\"t1h_114\">178,066 </span><span class=\"S1ECA S27E S2\" id=\"t1i_114\">57,988 </span><span class=\"S1ECB S27D S2\" id=\"t1j_114\">3,969,484 </span><span class=\"S1ECC S27E S2\" id=\"t1k_114\">10,450 </span><span class=\"S1F8D S27E S2\" id=\"t1l_114\">25,590 </span><span class=\"S1ECE S27E S2\" id=\"t1m_114\">84,937 </span><span class=\"S1ECF S27E S2\" id=\"t1n_114\">26,081 </span><span class=\"S1F8E S27D S2\" id=\"t1o_114\">147,058 </span><span class=\"S1ED1 S27E S2\" id=\"t1p_114\">Loans to medium </span><span class=\"S1ED2 S27E S2\" id=\"t1q_114\">and large corporates </span><span class=\"S1ED3 S27D S2\" id=\"t1r_114\">5,294,170 </span><span class=\"S1F8F S27E S2\" id=\"t1s_114\">4,680,180 </span><span class=\"S1ED5 S27E S2\" id=\"t1t_114\">657,586 </span><span class=\"S1F90 S27E S2\" id=\"t1u_114\">158,773 </span><span class=\"S1ED7 S27E S2\" id=\"t1v_114\">24,117 </span><span class=\"S1ED8 S27D S2\" id=\"t1w_114\">5,520,656 </span><span class=\"S1ED9 S27E S2\" id=\"t1x_114\">51,724 </span><span class=\"S1F91 S27E S2\" id=\"t1y_114\">69,724 </span><span class=\"S1F92 S27E S2\" id=\"t1z_114\">98,017 </span><span class=\"S1EDC S27E S2\" id=\"t20_114\">7,021 </span><span class=\"S1F93 S27D S2\" id=\"t21_114\">226,486 </span><span class=\"S1EDE S27E S2\" id=\"t22_114\">Consumer loans </span><span class=\"S1EDF S27D S2\" id=\"t23_114\">2,963,112 </span><span class=\"S1F94 S27E S2\" id=\"t24_114\">2,585,014 </span><span class=\"S1EE1 S27E S2\" id=\"t25_114\">422,975 </span><span class=\"S1F95 S27E S2\" id=\"t26_114\">356,485 </span><span class=\"S1EE3 S27E S2\" id=\"t27_114\">12,856 </span><span class=\"S1EE4 S27D S2\" id=\"t28_114\">3,377,330 </span><span class=\"S1EE5 S27E S2\" id=\"t29_114\">49,104 </span><span class=\"S1F96 S27E S2\" id=\"t2a_114\">84,158 </span><span class=\"S1EE7 S27E S2\" id=\"t2b_114\">274,098 </span><span class=\"S1EE8 S27E S2\" id=\"t2c_114\">6,858 </span><span class=\"S1F97 S27D S2\" id=\"t2d_114\">414,218 </span><span class=\"S1EEA S27E S2\" id=\"t2e_114\">Loans to micro </span><span class=\"S1EEB S27E S2\" id=\"t2f_114\">and small enterprises </span><span class=\"S1EEC S27D S2\" id=\"t2g_114\">500,991 </span><span class=\"S1EED S27E S2\" id=\"t2h_114\">412,247 </span><span class=\"S1F98 S27E S2\" id=\"t2i_114\">76,131 </span><span class=\"S1F99 S27E S2\" id=\"t2j_114\">54,458 </span><span class=\"S1EF0 S27E S2\" id=\"t2k_114\">2,339 </span><span class=\"S1EF1 S27D S2\" id=\"t2l_114\">545,175 </span><span class=\"S1EF2 S27E S2\" id=\"t2m_114\">4,751 </span><span class=\"S1EF3 S27E S2\" id=\"t2n_114\">9,707 </span><span class=\"S1EF4 S27E S2\" id=\"t2o_114\">28,351 </span><span class=\"S1EF5 S27E S2\" id=\"t2p_114\">1,375 </span><span class=\"S1F9A S27D S2\" id=\"t2q_114\">44,184 </span><span class=\"S1EF7 S27E S2\" id=\"t2r_114\">Car-finance loans </span><span class=\"S1EF8 S27D S2\" id=\"t2s_114\">446,341 </span><span class=\"S1EF9 S27E S2\" id=\"t2t_114\">370,790 </span><span class=\"S1EFA S27E S2\" id=\"t2u_114\">79,965 </span><span class=\"S1F9B S27E S2\" id=\"t2v_114\">9,675 </span><span class=\"S1EFC S27E S2\" id=\"t2w_114\">2,452 </span><span class=\"S1EFD S27D S2\" id=\"t2x_114\">462,882 </span><span class=\"S1EFE S27E S2\" id=\"t2y_114\">2,988 </span><span class=\"S1EFF S27E S2\" id=\"t2z_114\">4,978 </span><span class=\"S1F9C S27E S2\" id=\"t30_114\">6,508 </span><span class=\"S1F9D S27E S2\" id=\"t31_114\">2,067 </span><span class=\"S1F9E S27D S2\" id=\"t32_114\">16,541 </span><span class=\"S1F03 S27E S2\" id=\"t33_114\">Municipal loans </span><span class=\"S1F04 S27D S2\" id=\"t34_114\">466,143 </span><span class=\"S1F05 S27E S2\" id=\"t35_114\">444,944 </span><span class=\"S1F06 S27E S2\" id=\"t36_114\">23,890 </span><span class=\"S1F9F S27E S2\" id=\"t37_114\">816 </span><span class=\"S1F08 S27E S2\" id=\"t38_114\">- </span><span class=\"S1F09 S27D S2\" id=\"t39_114\">469,650 </span><span class=\"S1F0A S27E S2\" id=\"t3a_114\">1,372 </span><span class=\"S1F0B S27E S2\" id=\"t3b_114\">1,475 </span><span class=\"S1F0C S27E S2\" id=\"t3c_114\">660 </span><span class=\"S1F0D S27E S2\" id=\"t3d_114\">- </span><span class=\"S1F0E S27D S2\" id=\"t3e_114\">3,507 </span><span class=\"S1F0F S27D S2\" id=\"t3f_114\">Loans at amortized cost </span><span class=\"S1F10 S27D S2\" id=\"t3g_114\">13,493,183 </span><span class=\"S1FA0 S27D S2\" id=\"t3h_114\">11,666,666 </span><span class=\"S1F12 S27D S2\" id=\"t3i_114\">1,820,486 </span><span class=\"S1FA1 S27D S2\" id=\"t3j_114\">758,273 </span><span class=\"S1F14 S27D S2\" id=\"t3k_114\">99,752 </span><span class=\"S1F15 S27D S2\" id=\"t3l_114\">14,345,177 </span><span class=\"S1F16 S27D S2\" id=\"t3m_114\">120,389 </span><span class=\"S1FA2 S27D S2\" id=\"t3n_114\">195,632 </span><span class=\"S1F18 S27D S2\" id=\"t3o_114\">492,571 </span><span class=\"S1F19 S27D S2\" id=\"t3p_114\">43,402 </span><span class=\"S1FA3 S27D S2\" id=\"t3q_114\">851,994 </span><span class=\"S1F1B S27E S2\" id=\"t3r_114\">Finance lease receivable </span><span class=\"S1F1C S27D S2\" id=\"t3s_114\">1,182,628 </span><span class=\"S1FA4 S27E S2\" id=\"t3t_114\">959,361 </span><span class=\"S1F1E S27E S2\" id=\"t3u_114\">210,955 </span><span class=\"S1FA5 S27E S2\" id=\"t3v_114\">41,944 </span><span class=\"S1F20 S27E S2\" id=\"t3w_114\">371 </span><span class=\"S1F21 S27D S2\" id=\"t3x_114\">1,212,631 </span><span class=\"S1F22 S27E S2\" id=\"t3y_114\">4,432 </span><span class=\"S1FA6 S27E S2\" id=\"t3z_114\">11,140 </span><span class=\"S1F24 S27E S2\" id=\"t40_114\">14,243 </span><span class=\"S1F25 S27E S2\" id=\"t41_114\">188 </span><span class=\"S1FA7 S27D S2\" id=\"t42_114\">30,003 </span><span class=\"S1F27 S27E S2\" id=\"t43_114\">Interest bearing securities at </span><span class=\"S1F28 S27E S2\" id=\"t44_114\">fair value through other </span><span class=\"S1F29 S27E S2\" id=\"t45_114\">comprehensive income </span><span class=\"S1F2A S1F81 S2\" id=\"t46_114\">1 </span><span class=\"S1F2B S27D S2\" id=\"t47_114\">2,189,534 </span><span class=\"S1FA8 S27E S2\" id=\"t48_114\">2,187,835 </span><span class=\"S1FA9 S27E S2\" id=\"t49_114\">1,699 </span><span class=\"S1FAA S27E S2\" id=\"t4a_114\">- </span><span class=\"S1F2F S27E S2\" id=\"t4b_114\">- </span><span class=\"S1F30 S27D S2\" id=\"t4c_114\">2,189,534 </span><span class=\"S1FAB S27E S2\" id=\"t4d_114\">6,566 </span><span class=\"S1FAC S27E S2\" id=\"t4e_114\">144 </span><span class=\"S1FAD S27E S2\" id=\"t4f_114\">- </span><span class=\"S1F34 S27E S2\" id=\"t4g_114\">- </span><span class=\"S1FAE S27D S2\" id=\"t4h_114\">6,710 </span><span class=\"S1F36 S27E S2\" id=\"t4i_114\">Securities at amortized cost </span><span class=\"S1F37 S27D S2\" id=\"t4j_114\">3,891,335 </span><span class=\"S1FAF S27E S2\" id=\"t4k_114\">3,879,749 </span><span class=\"S1F39 S27E S2\" id=\"t4l_114\">20,699 </span><span class=\"S1FB0 S27E S2\" id=\"t4m_114\">- </span><span class=\"S1F3B S27E S2\" id=\"t4n_114\">- </span><span class=\"S1F3C S27D S2\" id=\"t4o_114\">3,900,448 </span><span class=\"S1FB1 S27E S2\" id=\"t4p_114\">7,789 </span><span class=\"S1FB2 S27E S2\" id=\"t4q_114\">1,324 </span><span class=\"S1FB3 S27E S2\" id=\"t4r_114\">- </span><span class=\"S1F40 S27E S2\" id=\"t4s_114\">- </span><span class=\"S1FB4 S27D S2\" id=\"t4t_114\">9,113 </span><span class=\"S1F42 S27D S2\" id=\"t4u_114\">Financial assets total </span><span class=\"S1F43 S27D S2\" id=\"t4v_114\">22,402,593 </span><span class=\"S1FB5 S27D S2\" id=\"t4w_114\">20,342,780 </span><span class=\"S1F45 S27D S2\" id=\"t4x_114\">2,053,839 </span><span class=\"S1FB6 S27D S2\" id=\"t4y_114\">800,245 </span><span class=\"S1FB7 S27D S2\" id=\"t4z_114\">100,123 </span><span class=\"S1F48 S27D S2\" id=\"t50_114\">23,296,987 </span><span class=\"S1F49 S27D S2\" id=\"t51_114\">142,432 </span><span class=\"S1FB8 S27D S2\" id=\"t52_114\">208,240 </span><span class=\"S1F4B S27D S2\" id=\"t53_114\">506,842 </span><span class=\"S1F4C S27D S2\" id=\"t54_114\">43,590 </span><span class=\"S1FB9 S27D S2\" id=\"t55_114\">901,104 </span><span class=\"S1F4E S27E S2\" id=\"t56_114\">Loan commitments given </span><span class=\"S1F4F S27D S2\" id=\"t57_114\">3,776,768 </span><span class=\"S1FBA S27E S2\" id=\"t58_114\">3,665,153 </span><span class=\"S1F51 S27E S2\" id=\"t59_114\">128,603 </span><span class=\"S1FBB S27E S2\" id=\"t5a_114\">14,805 </span><span class=\"S1F53 S27E S2\" id=\"t5b_114\">211 </span><span class=\"S1F54 S27D S2\" id=\"t5c_114\">3,808,772 </span><span class=\"S1F55 S27E S2\" id=\"t5d_114\">20,539 </span><span class=\"S1FBC S27E S2\" id=\"t5e_114\">7,482 </span><span class=\"S1F57 S27E S2\" id=\"t5f_114\">3,961 </span><span class=\"S1F58 S27E S2\" id=\"t5g_114\">22 </span><span class=\"S1FBD S27D S2\" id=\"t5h_114\">32,004 </span><span class=\"S1F5A S27E S2\" id=\"t5i_114\">Financial guarantees given </span><span class=\"S1FBE S27D S2\" id=\"t5j_114\">913,038 </span><span class=\"S1FBF S27E S2\" id=\"t5k_114\">887,585 </span><span class=\"S1F5D S27E S2\" id=\"t5l_114\">35,648 </span><span class=\"S1F5E S27E S2\" id=\"t5m_114\">4,568 </span><span class=\"S1F5F S27E S2\" id=\"t5n_114\">7 </span><span class=\"S1FC0 S27D S2\" id=\"t5o_114\">927,808 </span><span class=\"S1F61 S27E S2\" id=\"t5p_114\">11,814 </span><span class=\"S1F62 S27E S2\" id=\"t5q_114\">1,408 </span><span class=\"S1F63 S27E S2\" id=\"t5r_114\">1,542 </span><span class=\"S1FC1 S27E S2\" id=\"t5s_114\">6 </span><span class=\"S1FC2 S27D S2\" id=\"t5t_114\">14,770 </span><span class=\"S1F66 S27E S2\" id=\"t5u_114\">Other commitments given </span><span class=\"S1FC3 S27D S2\" id=\"t5v_114\">1,174,462 </span><span class=\"S1FC4 S27E S2\" id=\"t5w_114\">1,127,354 </span><span class=\"S1F69 S27E S2\" id=\"t5x_114\">44,064 </span><span class=\"S1FC5 S27E S2\" id=\"t5y_114\">8,260 </span><span class=\"S1F6B S27E S2\" id=\"t5z_114\">- </span><span class=\"S1FC6 S27D S2\" id=\"t60_114\">1,179,678 </span><span class=\"S1F6D S27E S2\" id=\"t61_114\">3,170 </span><span class=\"S1FC7 S27E S2\" id=\"t62_114\">1,140 </span><span class=\"S1FC8 S27E S2\" id=\"t63_114\">906 </span><span class=\"S1F70 S27E S2\" id=\"t64_114\">- </span><span class=\"S1F71 S27D S2\" id=\"t65_114\">5,216 </span><span class=\"S1F72 S27D S2\" id=\"t66_114\">Financial liabilities total </span><span class=\"S1F73 S27D S2\" id=\"t67_114\">5,864,268 </span><span class=\"S1FC9 S27D S2\" id=\"t68_114\">5,680,092 </span><span class=\"S1F75 S27D S2\" id=\"t69_114\">208,315 </span><span class=\"S1FCA S27D S2\" id=\"t6a_114\">27,633 </span><span class=\"S1F77 S27D S2\" id=\"t6b_114\">218 </span><span class=\"S1F78 S27D S2\" id=\"t6c_114\">5,916,258 </span><span class=\"S1F79 S27D S2\" id=\"t6d_114\">35,523 </span><span class=\"S1FCB S27D S2\" id=\"t6e_114\">10,030 </span><span class=\"S1F7B S27D S2\" id=\"t6f_114\">6,409 </span><span class=\"S1F7C S27D S2\" id=\"t6g_114\">28 </span><span class=\"S1FCC S27D S2\" id=\"t6h_114\">51,990 </span><span class=\"S1FCD S482 S2\" id=\"t6i_114\">1 </span><span class=\"S1FCE S483 S2\" id=\"t6j_114\">Interest bearing securities at fair value through other comprehensive income are recognized in the Consolidated statement of financial position as at fair value (see in Note 9). Loss allowances for securities at fair value </span><span class=\"S1FCF S483 S2\" id=\"t6k_114\">through other comprehensive income that are in Stage 1 and / or in Stage 2 is recognized in the Other comprehensive income. It is included in the accumulated loss allowance of this table showed above. </span><span class=\"S1FD0 SB S2\" id=\"t5_115\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_115\">37.1.2. </span><span class=\"S1FD2 SB S2\" id=\"t7_115\">Movement table of loss allowance / provision on financial instruments </span><span class=\"S1FD3 SA7 S2\" id=\"t8_115\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1FD4 SA7 S2\" id=\"t9_115\">financial commitments as at 31 December 2022: </span><span class=\"S1FD5 SC43 S2\" id=\"ta_115\">2022 </span><span class=\"S1FD6 SC43 S2\" id=\"tb_115\">Opening </span><span class=\"S1FD7 SC43 S2\" id=\"tc_115\">balance </span><span class=\"S1FD8 SC43 S2\" id=\"td_115\">Increases </span><span class=\"S1FD9 SC43 S2\" id=\"te_115\">due to </span><span class=\"S1FDA SC43 S2\" id=\"tf_115\">origination </span><span class=\"S1FDB SC43 S2\" id=\"tg_115\">and </span><span class=\"S1FDC SC43 S2\" id=\"th_115\">acquisition </span><span class=\"S1FDD SC43 S2\" id=\"ti_115\">Decreases due </span><span class=\"S1FDE SC43 S2\" id=\"tj_115\">to derecognition </span><span class=\"S1FDF SC43 S2\" id=\"tk_115\">Transfers </span><span class=\"S1FE0 SC43 S2\" id=\"tl_115\">between </span><span class=\"S1FE1 SC43 S2\" id=\"tm_115\">stages (net) </span><span class=\"S1FE2 SC43 S2\" id=\"tn_115\">Changes </span><span class=\"S1FE3 SC43 S2\" id=\"to_115\">due to </span><span class=\"S1FE4 SC43 S2\" id=\"tp_115\">change in </span><span class=\"S1FE5 SC43 S2\" id=\"tq_115\">credit risk </span><span class=\"S1FE6 SC43 S2\" id=\"tr_115\">(net) </span><span class=\"S1FE7 SC43 S2\" id=\"ts_115\">Changes due </span><span class=\"S1FE8 SC43 S2\" id=\"tt_115\">to </span><span class=\"S1FE9 SC43 S2\" id=\"tu_115\">modifications </span><span class=\"S1FEA SC43 S2\" id=\"tv_115\">without </span><span class=\"S1FEB SC43 S2\" id=\"tw_115\">derecognition </span><span class=\"S1FEC SC43 S2\" id=\"tx_115\">(net) </span><span class=\"S1FED SC43 S2\" id=\"ty_115\">Decrease in loss </span><span class=\"S1FEE SC43 S2\" id=\"tz_115\">allowance account </span><span class=\"S1FEF SC43 S2\" id=\"t10_115\">due to write-offs </span><span class=\"S1FF0 SC43 S2\" id=\"t11_115\">Other </span><span class=\"S1FF1 SC43 S2\" id=\"t12_115\">adjustments </span><span class=\"S1FF2 S20BA S2\" id=\"t13_115\">1 </span><span class=\"S1FF3 SC43 S2\" id=\"t14_115\">Closing </span><span class=\"S1FF4 SC43 S2\" id=\"t15_115\">balance </span><span class=\"S1FF5 SC43 S2\" id=\"t16_115\">Stage 1 </span><span class=\"S1FF6 SC43 S2\" id=\"t17_115\">142,432 </span><span class=\"S1FF7 SC43 S2\" id=\"t18_115\">138,017 </span><span class=\"S1FF8 SC43 S2\" id=\"t19_115\">(43,066) </span><span class=\"S1FF9 SC43 S2\" id=\"t1a_115\">(120,475) </span><span class=\"S1FFA SC43 S2\" id=\"t1b_115\">71,441 </span><span class=\"S1FFB SC43 S2\" id=\"t1c_115\">(4,547) </span><span class=\"S1FFC SC43 S2\" id=\"t1d_115\">(88) </span><span class=\"S1FFD SC43 S2\" id=\"t1e_115\">14,743 </span><span class=\"S1FFE SC43 S2\" id=\"t1f_115\">198,457 </span><span class=\"S1FFF S483 S2\" id=\"t1g_115\">Placements with other banks </span><span class=\"S2000 S483 S2\" id=\"t1h_115\">2,966 </span><span class=\"S2001 S483 S2\" id=\"t1i_115\">34,558 </span><span class=\"S2002 S483 S2\" id=\"t1j_115\">(11,574) </span><span class=\"S2003 S483 S2\" id=\"t1k_115\">(1,345) </span><span class=\"S2004 S483 S2\" id=\"t1l_115\">(20,902) </span><span class=\"S2005 S483 S2\" id=\"t1m_115\">- </span><span class=\"S2006 S483 S2\" id=\"t1n_115\">- </span><span class=\"S2007 S483 S2\" id=\"t1o_115\">98 </span><span class=\"S2008 S483 S2\" id=\"t1p_115\">3,801 </span><span class=\"S2009 S483 S2\" id=\"t1q_115\">Repo receivables </span><span class=\"S200A S483 S2\" id=\"t1r_115\">290 </span><span class=\"S200B S483 S2\" id=\"t1s_115\">4,457 </span><span class=\"S200C S483 S2\" id=\"t1t_115\">(389) </span><span class=\"S200D S483 S2\" id=\"t1u_115\">- </span><span class=\"S200E S483 S2\" id=\"t1v_115\">(1,044) </span><span class=\"S200F S483 S2\" id=\"t1w_115\">- </span><span class=\"S2010 S483 S2\" id=\"t1x_115\">- </span><span class=\"S2011 S483 S2\" id=\"t1y_115\">(3,073) </span><span class=\"S2012 S483 S2\" id=\"t1z_115\">241 </span><span class=\"S2013 S483 S2\" id=\"t20_115\">Loans at amortized cost </span><span class=\"S2014 S483 S2\" id=\"t21_115\">120,389 </span><span class=\"S2015 S483 S2\" id=\"t22_115\">93,238 </span><span class=\"S2016 S483 S2\" id=\"t23_115\">(28,281) </span><span class=\"S2017 S483 S2\" id=\"t24_115\">(101,521) </span><span class=\"S2018 S483 S2\" id=\"t25_115\">56,228 </span><span class=\"S2019 S483 S2\" id=\"t26_115\">(4,576) </span><span class=\"S201A S483 S2\" id=\"t27_115\">(88) </span><span class=\"S201B S483 S2\" id=\"t28_115\">16,800 </span><span class=\"S201C S483 S2\" id=\"t29_115\">152,189 </span><span class=\"S201D S483 S2\" id=\"t2a_115\">Finance lease receivables </span><span class=\"S201E S483 S2\" id=\"t2b_115\">4,432 </span><span class=\"S201F S483 S2\" id=\"t2c_115\">2,647 </span><span class=\"S2020 S483 S2\" id=\"t2d_115\">(1,105) </span><span class=\"S2021 S483 S2\" id=\"t2e_115\">1,668 </span><span class=\"S2022 S483 S2\" id=\"t2f_115\">(3,384) </span><span class=\"S2023 S483 S2\" id=\"t2g_115\">29 </span><span class=\"S2024 S483 S2\" id=\"t2h_115\">- </span><span class=\"S2025 S483 S2\" id=\"t2i_115\">510 </span><span class=\"S2026 S483 S2\" id=\"t2j_115\">4,797 </span><span class=\"S2027 S483 S2\" id=\"t2k_115\">Interest bearing securities at fair value through </span><span class=\"S2028 S483 S2\" id=\"t2l_115\">other comprehensive income and securities </span><span class=\"S2029 S483 S2\" id=\"t2m_115\">at amortized cost </span><span class=\"S202A S483 S2\" id=\"t2n_115\">14,355 </span><span class=\"S202B S483 S2\" id=\"t2o_115\">3,117 </span><span class=\"S202C S483 S2\" id=\"t2p_115\">(1,717) </span><span class=\"S202D S483 S2\" id=\"t2q_115\">(19,277) </span><span class=\"S202E S483 S2\" id=\"t2r_115\">40,543 </span><span class=\"S202F S483 S2\" id=\"t2s_115\">- </span><span class=\"S2030 S483 S2\" id=\"t2t_115\">408 </span><span class=\"S2031 S483 S2\" id=\"t2u_115\">37,429 </span><span class=\"S2032 SC43 S2\" id=\"t2v_115\">Stage 2 </span><span class=\"S2033 SC43 S2\" id=\"t2w_115\">208,240 </span><span class=\"S2034 SC43 S2\" id=\"t2x_115\">52,749 </span><span class=\"S2035 SC43 S2\" id=\"t2y_115\">(24,038) </span><span class=\"S2036 SC43 S2\" id=\"t2z_115\">9,927 </span><span class=\"S2037 SC43 S2\" id=\"t30_115\">(26,352) </span><span class=\"S2038 SC43 S2\" id=\"t31_115\">6,158 </span><span class=\"S2039 SC43 S2\" id=\"t32_115\">(959) </span><span class=\"S203A SC43 S2\" id=\"t33_115\">15,144 </span><span class=\"S203B SC43 S2\" id=\"t34_115\">240,869 </span><span class=\"S203C S483 S2\" id=\"t35_115\">Placements with other banks </span><span class=\"S203D S483 S2\" id=\"t36_115\">- </span><span class=\"S203E S483 S2\" id=\"t37_115\">- </span><span class=\"S203F S483 S2\" id=\"t38_115\">- </span><span class=\"S2040 S483 S2\" id=\"t39_115\">1,345 </span><span class=\"S2041 S483 S2\" id=\"t3a_115\">(1,518) </span><span class=\"S2042 S483 S2\" id=\"t3b_115\">- </span><span class=\"S2043 S483 S2\" id=\"t3c_115\">- </span><span class=\"S2044 S483 S2\" id=\"t3d_115\">185 </span><span class=\"S2045 S483 S2\" id=\"t3e_115\">12 </span><span class=\"S2046 S483 S2\" id=\"t3f_115\">Repo receivables </span><span class=\"S2047 S483 S2\" id=\"t3g_115\">- </span><span class=\"S2048 S483 S2\" id=\"t3h_115\">- </span><span class=\"S2049 S483 S2\" id=\"t3i_115\">- </span><span class=\"S204A S483 S2\" id=\"t3j_115\">- </span><span class=\"S204B S483 S2\" id=\"t3k_115\">- </span><span class=\"S204C S483 S2\" id=\"t3l_115\">- </span><span class=\"S204D S483 S2\" id=\"t3m_115\">- </span><span class=\"S204E S483 S2\" id=\"t3n_115\">- </span><span class=\"S204F S483 S2\" id=\"t3o_115\">- </span><span class=\"S2050 S483 S2\" id=\"t3p_115\">Loans at amortized cost </span><span class=\"S2051 S483 S2\" id=\"t3q_115\">195,632 </span><span class=\"S2052 S483 S2\" id=\"t3r_115\">42,790 </span><span class=\"S2053 S483 S2\" id=\"t3s_115\">(22,408) </span><span class=\"S2054 S483 S2\" id=\"t3t_115\">12,796 </span><span class=\"S2055 S483 S2\" id=\"t3u_115\">(23,558) </span><span class=\"S2056 S483 S2\" id=\"t3v_115\">6,174 </span><span class=\"S2057 S483 S2\" id=\"t3w_115\">(959) </span><span class=\"S2058 S483 S2\" id=\"t3x_115\">13,498 </span><span class=\"S2059 S483 S2\" id=\"t3y_115\">223,965 </span><span class=\"S205A S483 S2\" id=\"t3z_115\">Finance lease receivables </span><span class=\"S205B S483 S2\" id=\"t40_115\">11,140 </span><span class=\"S205C S483 S2\" id=\"t41_115\">6,646 </span><span class=\"S205D S483 S2\" id=\"t42_115\">(1,630) </span><span class=\"S205E S483 S2\" id=\"t43_115\">(4,296) </span><span class=\"S205F S483 S2\" id=\"t44_115\">2,102 </span><span class=\"S2060 S483 S2\" id=\"t45_115\">(16) </span><span class=\"S2061 S483 S2\" id=\"t46_115\">- </span><span class=\"S2062 S483 S2\" id=\"t47_115\">1,295 </span><span class=\"S2063 S483 S2\" id=\"t48_115\">15,241 </span><span class=\"S2064 S483 S2\" id=\"t49_115\">Interest bearing securities at fair value through </span><span class=\"S2065 S483 S2\" id=\"t4a_115\">other comprehensive income and securities </span><span class=\"S2066 S483 S2\" id=\"t4b_115\">at amortized cost </span><span class=\"S2067 S483 S2\" id=\"t4c_115\">1,468 </span><span class=\"S2068 S483 S2\" id=\"t4d_115\">3,313 </span><span class=\"S2069 S483 S2\" id=\"t4e_115\">- </span><span class=\"S206A S483 S2\" id=\"t4f_115\">82 </span><span class=\"S206B S483 S2\" id=\"t4g_115\">(3,378) </span><span class=\"S206C S483 S2\" id=\"t4h_115\">- </span><span class=\"S206D S483 S2\" id=\"t4i_115\">- </span><span class=\"S206E S483 S2\" id=\"t4j_115\">166 </span><span class=\"S206F S483 S2\" id=\"t4k_115\">1,651 </span><span class=\"S2070 SC43 S2\" id=\"t4l_115\">Stage 3 </span><span class=\"S2071 SC43 S2\" id=\"t4m_115\">506,842 </span><span class=\"S2072 SC43 S2\" id=\"t4n_115\">72,119 </span><span class=\"S2073 SC43 S2\" id=\"t4o_115\">(52,134) </span><span class=\"S2074 SC43 S2\" id=\"t4p_115\">110,548 </span><span class=\"S2075 SC43 S2\" id=\"t4q_115\">69,855 </span><span class=\"S2076 SC43 S2\" id=\"t4r_115\">743 </span><span class=\"S2077 SC43 S2\" id=\"t4s_115\">(124,057) </span><span class=\"S2078 SC43 S2\" id=\"t4t_115\">49,050 </span><span class=\"S2079 SC43 S2\" id=\"t4u_115\">632,966 </span><span class=\"S207A S483 S2\" id=\"t4v_115\">Placements with other banks </span><span class=\"S207B S483 S2\" id=\"t4w_115\">28 </span><span class=\"S207C S483 S2\" id=\"t4x_115\">11 </span><span class=\"S207D S483 S2\" id=\"t4y_115\">(14) </span><span class=\"S207E S483 S2\" id=\"t4z_115\">- </span><span class=\"S207F S483 S2\" id=\"t50_115\">(121) </span><span class=\"S2080 S483 S2\" id=\"t51_115\">- </span><span class=\"S2081 S483 S2\" id=\"t52_115\">(4) </span><span class=\"S2082 S483 S2\" id=\"t53_115\">124 </span><span class=\"S2083 S483 S2\" id=\"t54_115\">24 </span><span class=\"S2084 S483 S2\" id=\"t55_115\">Repo receivables </span><span class=\"S2085 S483 S2\" id=\"t56_115\">- </span><span class=\"S2086 S483 S2\" id=\"t57_115\">- </span><span class=\"S2087 S483 S2\" id=\"t58_115\">- </span><span class=\"S2088 S483 S2\" id=\"t59_115\">- </span><span class=\"S2089 S483 S2\" id=\"t5a_115\">- </span><span class=\"S208A S483 S2\" id=\"t5b_115\">- </span><span class=\"S208B S483 S2\" id=\"t5c_115\">- </span><span class=\"S208C S483 S2\" id=\"t5d_115\">- </span><span class=\"S208D S483 S2\" id=\"t5e_115\">- </span><span class=\"S208E S483 S2\" id=\"t5f_115\">Loans at amortized cost </span><span class=\"S208F S483 S2\" id=\"t5g_115\">492,571 </span><span class=\"S2090 S483 S2\" id=\"t5h_115\">34,977 </span><span class=\"S2091 S483 S2\" id=\"t5i_115\">(49,466) </span><span class=\"S2092 S483 S2\" id=\"t5j_115\">88,725 </span><span class=\"S2093 S483 S2\" id=\"t5k_115\">67,932 </span><span class=\"S2094 S483 S2\" id=\"t5l_115\">743 </span><span class=\"S2095 S483 S2\" id=\"t5m_115\">(122,687) </span><span class=\"S2096 S483 S2\" id=\"t5n_115\">43,678 </span><span class=\"S2097 S483 S2\" id=\"t5o_115\">556,473 </span><span class=\"S2098 S483 S2\" id=\"t5p_115\">Finance lease receivables </span><span class=\"S2099 S483 S2\" id=\"t5q_115\">14,243 </span><span class=\"S209A S483 S2\" id=\"t5r_115\">12,732 </span><span class=\"S209B S483 S2\" id=\"t5s_115\">(2,654) </span><span class=\"S209C S483 S2\" id=\"t5t_115\">2,628 </span><span class=\"S209D S483 S2\" id=\"t5u_115\">3,374 </span><span class=\"S209E S483 S2\" id=\"t5v_115\">- </span><span class=\"S209F S483 S2\" id=\"t5w_115\">(1,366) </span><span class=\"S20A0 S483 S2\" id=\"t5x_115\">3,918 </span><span class=\"S20A1 S483 S2\" id=\"t5y_115\">32,875 </span><span class=\"S20A2 S483 S2\" id=\"t5z_115\">Interest bearing securities at fair value through </span><span class=\"S20A3 S483 S2\" id=\"t60_115\">other comprehensive income and securities </span><span class=\"S20A4 S483 S2\" id=\"t61_115\">at amortized cost </span><span class=\"S20A5 S483 S2\" id=\"t62_115\">- </span><span class=\"S20A6 S483 S2\" id=\"t63_115\">24,399 </span><span class=\"S20A7 S483 S2\" id=\"t64_115\">- </span><span class=\"S20A8 S483 S2\" id=\"t65_115\">19,195 </span><span class=\"S20A9 S483 S2\" id=\"t66_115\">(1,330) </span><span class=\"S20AA S483 S2\" id=\"t67_115\">- </span><span class=\"S20AB S483 S2\" id=\"t68_115\">- </span><span class=\"S20AC S483 S2\" id=\"t69_115\">1,330 </span><span class=\"S20AD S483 S2\" id=\"t6a_115\">43,594 </span><span class=\"S20AE SC43 S2\" id=\"t6b_115\">Loss allowance on financial assets subtotal </span><span class=\"S20AF SC43 S2\" id=\"t6c_115\">857,514 </span><span class=\"S20B0 SC43 S2\" id=\"t6d_115\">262,885 </span><span class=\"S20B1 SC43 S2\" id=\"t6e_115\">(119,238) </span><span class=\"S20B2 SC43 S2\" id=\"t6f_115\">- </span><span class=\"S20B3 SC43 S2\" id=\"t6g_115\">114,944 </span><span class=\"S20B4 SC43 S2\" id=\"t6h_115\">2,354 </span><span class=\"S20B5 SC43 S2\" id=\"t6i_115\">(125,104) </span><span class=\"S20B6 SC43 S2\" id=\"t6j_115\">78,937 </span><span class=\"S20B7 SC43 S2\" id=\"t6k_115\">1,072,292 </span><span class=\"S20B8 S482 S2\" id=\"t6l_115\">1 </span><span class=\"S20B9 S483 S2\" id=\"t6m_115\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_116\">37.1.  Credit risk [continued] </span><span class=\"S20BB SB S2\" id=\"t6_116\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_116\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1E9C SA7 S2\" id=\"t8_116\">financial commitments as at 31 December 2022 [continued]: </span><span class=\"S1FD5 SC43 S2\" id=\"t9_116\">2022 </span><span class=\"S1FD6 SC43 S2\" id=\"ta_116\">Opening </span><span class=\"S1FD7 SC43 S2\" id=\"tb_116\">balance </span><span class=\"S1FD8 SC43 S2\" id=\"tc_116\">Increases </span><span class=\"S1FD9 SC43 S2\" id=\"td_116\">due to </span><span class=\"S1FDA SC43 S2\" id=\"te_116\">origination </span><span class=\"S20BC SC43 S2\" id=\"tf_116\">and </span><span class=\"S1FDC SC43 S2\" id=\"tg_116\">acquisition </span><span class=\"S1FDD SC43 S2\" id=\"th_116\">Decreases due </span><span class=\"S1FDE SC43 S2\" id=\"ti_116\">to derecognition </span><span class=\"S1FDF SC43 S2\" id=\"tj_116\">Transfers </span><span class=\"S1FE0 SC43 S2\" id=\"tk_116\">between </span><span class=\"S1FE1 SC43 S2\" id=\"tl_116\">stages (net) </span><span class=\"S1FE2 SC43 S2\" id=\"tm_116\">Changes </span><span class=\"S1FE3 SC43 S2\" id=\"tn_116\">due to </span><span class=\"S1FE4 SC43 S2\" id=\"to_116\">change in </span><span class=\"S1FE5 SC43 S2\" id=\"tp_116\">credit risk </span><span class=\"S1FE6 SC43 S2\" id=\"tq_116\">(net) </span><span class=\"S1FE7 SC43 S2\" id=\"tr_116\">Changes due </span><span class=\"S1FE8 SC43 S2\" id=\"ts_116\">to </span><span class=\"S1FE9 SC43 S2\" id=\"tt_116\">modifications </span><span class=\"S1FEA SC43 S2\" id=\"tu_116\">without </span><span class=\"S1FEB SC43 S2\" id=\"tv_116\">derecognition </span><span class=\"S1FEC SC43 S2\" id=\"tw_116\">(net) </span><span class=\"S1FED SC43 S2\" id=\"tx_116\">Decrease in loss </span><span class=\"S20BD SC43 S2\" id=\"ty_116\">allowance account </span><span class=\"S1FEF SC43 S2\" id=\"tz_116\">due to write-offs </span><span class=\"S1FF0 SC43 S2\" id=\"t10_116\">Other </span><span class=\"S1FF1 SC43 S2\" id=\"t11_116\">adjustments </span><span class=\"S1FF2 S20BA S2\" id=\"t12_116\">1 </span><span class=\"S1FF3 SC43 S2\" id=\"t13_116\">Closing </span><span class=\"S1FF4 SC43 S2\" id=\"t14_116\">balance </span><span class=\"S20BE SC43 S2\" id=\"t15_116\">POCI </span><span class=\"S20BF SC43 S2\" id=\"t16_116\">43,590 </span><span class=\"S20C0 SC43 S2\" id=\"t17_116\">- </span><span class=\"S20C1 SC43 S2\" id=\"t18_116\">(3,534) </span><span class=\"S20C2 SC43 S2\" id=\"t19_116\">- </span><span class=\"S20C3 SC43 S2\" id=\"t1a_116\">6,116 </span><span class=\"S20C4 SC43 S2\" id=\"t1b_116\">(138) </span><span class=\"S20C5 SC43 S2\" id=\"t1c_116\">(6,610) </span><span class=\"S20C6 SC43 S2\" id=\"t1d_116\">(5,473) </span><span class=\"S20C7 SC43 S2\" id=\"t1e_116\">33,951 </span><span class=\"S20C8 S483 S2\" id=\"t1f_116\">Placements with other banks </span><span class=\"S20C9 S483 S2\" id=\"t1g_116\">- </span><span class=\"S20CA S483 S2\" id=\"t1h_116\">- </span><span class=\"S20CB S483 S2\" id=\"t1i_116\">- </span><span class=\"S200D S483 S2\" id=\"t1j_116\">- </span><span class=\"S20CC S483 S2\" id=\"t1k_116\">- </span><span class=\"S200F S483 S2\" id=\"t1l_116\">- </span><span class=\"S2010 S483 S2\" id=\"t1m_116\">- </span><span class=\"S20CD S483 S2\" id=\"t1n_116\">- </span><span class=\"S20CE S483 S2\" id=\"t1o_116\">- </span><span class=\"S20CF S483 S2\" id=\"t1p_116\">Repo receivables </span><span class=\"S20D0 S483 S2\" id=\"t1q_116\">- </span><span class=\"S20D1 S483 S2\" id=\"t1r_116\">- </span><span class=\"S20D2 S483 S2\" id=\"t1s_116\">- </span><span class=\"S20D3 S483 S2\" id=\"t1t_116\">- </span><span class=\"S20D4 S483 S2\" id=\"t1u_116\">- </span><span class=\"S20D5 S483 S2\" id=\"t1v_116\">- </span><span class=\"S20D6 S483 S2\" id=\"t1w_116\">- </span><span class=\"S20D7 S483 S2\" id=\"t1x_116\">- </span><span class=\"S20D8 S483 S2\" id=\"t1y_116\">- </span><span class=\"S20D9 S483 S2\" id=\"t1z_116\">Loans at amortized cost </span><span class=\"S20DA S483 S2\" id=\"t20_116\">43,402 </span><span class=\"S2020 S483 S2\" id=\"t21_116\">(3,434) </span><span class=\"S20DB S483 S2\" id=\"t22_116\">- </span><span class=\"S20DC S483 S2\" id=\"t23_116\">6,098 </span><span class=\"S20DD S483 S2\" id=\"t24_116\">(138) </span><span class=\"S20DE S483 S2\" id=\"t25_116\">(6,572) </span><span class=\"S20DF S483 S2\" id=\"t26_116\">(5,623) </span><span class=\"S20E0 S483 S2\" id=\"t27_116\">33,733 </span><span class=\"S20E1 S483 S2\" id=\"t28_116\">Finance lease receivables </span><span class=\"S20E2 S483 S2\" id=\"t29_116\">188 </span><span class=\"S20E3 S483 S2\" id=\"t2a_116\">- </span><span class=\"S20E4 S483 S2\" id=\"t2b_116\">(100) </span><span class=\"S20E5 S483 S2\" id=\"t2c_116\">- </span><span class=\"S20E6 S483 S2\" id=\"t2d_116\">18 </span><span class=\"S20E7 S483 S2\" id=\"t2e_116\">- </span><span class=\"S20E8 S483 S2\" id=\"t2f_116\">(38) </span><span class=\"S20E9 S483 S2\" id=\"t2g_116\">150 </span><span class=\"S20EA S483 S2\" id=\"t2h_116\">218 </span><span class=\"S20EB S483 S2\" id=\"t2i_116\">Interest bearing securities at fair value through </span><span class=\"S20EC S483 S2\" id=\"t2j_116\">other comprehensive income and securities </span><span class=\"S20ED S483 S2\" id=\"t2k_116\">at amortized cost </span><span class=\"S20EE S483 S2\" id=\"t2l_116\">- </span><span class=\"S20EF S483 S2\" id=\"t2m_116\">- </span><span class=\"S20F0 S483 S2\" id=\"t2n_116\">- </span><span class=\"S20F1 S483 S2\" id=\"t2o_116\">- </span><span class=\"S20F2 S483 S2\" id=\"t2p_116\">- </span><span class=\"S20F3 S483 S2\" id=\"t2q_116\">- </span><span class=\"S20F4 S483 S2\" id=\"t2r_116\">- </span><span class=\"S20F5 S483 S2\" id=\"t2s_116\">- </span><span class=\"S20F6 S483 S2\" id=\"t2t_116\">- </span><span class=\"S20F7 SC43 S2\" id=\"t2u_116\">Loss allowance on financial assets total </span><span class=\"S20F8 SC43 S2\" id=\"t2v_116\">901,104 </span><span class=\"S20F9 SC43 S2\" id=\"t2w_116\">262,885 </span><span class=\"S20FA SC43 S2\" id=\"t2x_116\">(122,772) </span><span class=\"S20FB SC43 S2\" id=\"t2y_116\">- </span><span class=\"S20FC SC43 S2\" id=\"t2z_116\">121,060 </span><span class=\"S20FD SC43 S2\" id=\"t30_116\">2,216 </span><span class=\"S20FE SC43 S2\" id=\"t31_116\">(131,714) </span><span class=\"S20FF SC43 S2\" id=\"t32_116\">73,464 </span><span class=\"S2100 SC43 S2\" id=\"t33_116\">1,106,243 </span><span class=\"S2101 S483 S2\" id=\"t34_116\">Loan commitments and financial guarantees </span><span class=\"S2102 S483 S2\" id=\"t35_116\">given - stage 1 </span><span class=\"S205B S483 S2\" id=\"t36_116\">35,523 </span><span class=\"S2103 S483 S2\" id=\"t37_116\">22,118 </span><span class=\"S205D S483 S2\" id=\"t38_116\">(6,033) </span><span class=\"S2104 S483 S2\" id=\"t39_116\">(10,309) </span><span class=\"S2105 S483 S2\" id=\"t3a_116\">708 </span><span class=\"S2106 S483 S2\" id=\"t3b_116\">(1,368) </span><span class=\"S2061 S483 S2\" id=\"t3c_116\">- </span><span class=\"S2107 S483 S2\" id=\"t3d_116\">918 </span><span class=\"S2063 S483 S2\" id=\"t3e_116\">41,557 </span><span class=\"S2108 S483 S2\" id=\"t3f_116\">Loan commitments and financial guarantees </span><span class=\"S2109 S483 S2\" id=\"t3g_116\">given - stage 2 </span><span class=\"S210A S483 S2\" id=\"t3h_116\">10,030 </span><span class=\"S210B S483 S2\" id=\"t3i_116\">4,024 </span><span class=\"S210C S483 S2\" id=\"t3j_116\">(2,236) </span><span class=\"S210D S483 S2\" id=\"t3k_116\">6,939 </span><span class=\"S210E S483 S2\" id=\"t3l_116\">(6,070) </span><span class=\"S210F S483 S2\" id=\"t3m_116\">302 </span><span class=\"S2110 S483 S2\" id=\"t3n_116\">(11) </span><span class=\"S2111 S483 S2\" id=\"t3o_116\">2,143 </span><span class=\"S2112 S483 S2\" id=\"t3p_116\">15,121 </span><span class=\"S2113 S483 S2\" id=\"t3q_116\">Loan commitments and financial guarantees </span><span class=\"S2114 S483 S2\" id=\"t3r_116\">given - stage 3 </span><span class=\"S2115 S483 S2\" id=\"t3s_116\">6,409 </span><span class=\"S2116 S483 S2\" id=\"t3t_116\">1,975 </span><span class=\"S2117 S483 S2\" id=\"t3u_116\">(619) </span><span class=\"S2118 S483 S2\" id=\"t3v_116\">3,370 </span><span class=\"S2119 S483 S2\" id=\"t3w_116\">(4,728) </span><span class=\"S211A S483 S2\" id=\"t3x_116\">(156) </span><span class=\"S211B S483 S2\" id=\"t3y_116\">(1) </span><span class=\"S211C S483 S2\" id=\"t3z_116\">415 </span><span class=\"S211D S483 S2\" id=\"t40_116\">6,665 </span><span class=\"S211E S483 S2\" id=\"t41_116\">Loan commitments and financial guarantees </span><span class=\"S211F S483 S2\" id=\"t42_116\">given - poci </span><span class=\"S2120 S483 S2\" id=\"t43_116\">28 </span><span class=\"S2121 S483 S2\" id=\"t44_116\">5 </span><span class=\"S2122 S483 S2\" id=\"t45_116\">(9) </span><span class=\"S2088 S483 S2\" id=\"t46_116\">- </span><span class=\"S2123 S483 S2\" id=\"t47_116\">5 </span><span class=\"S208A S483 S2\" id=\"t48_116\">- </span><span class=\"S208B S483 S2\" id=\"t49_116\">- </span><span class=\"S208C S483 S2\" id=\"t4a_116\">- </span><span class=\"S2124 S483 S2\" id=\"t4b_116\">29 </span><span class=\"S2125 SC43 S2\" id=\"t4c_116\">Provision on financial liabilities total </span><span class=\"S2126 SC43 S2\" id=\"t4d_116\">51,990 </span><span class=\"S2090 SC43 S2\" id=\"t4e_116\">28,122 </span><span class=\"S2127 SC43 S2\" id=\"t4f_116\">(8,897) </span><span class=\"S2128 SC43 S2\" id=\"t4g_116\">- </span><span class=\"S2129 SC43 S2\" id=\"t4h_116\">(10,085) </span><span class=\"S212A SC43 S2\" id=\"t4i_116\">(1,222) </span><span class=\"S212B SC43 S2\" id=\"t4j_116\">(12) </span><span class=\"S212C SC43 S2\" id=\"t4k_116\">3,476 </span><span class=\"S212D SC43 S2\" id=\"t4l_116\">63,372 </span><span class=\"S212E S482 S2\" id=\"t4m_116\">1 </span><span class=\"S212F S483 S2\" id=\"t4n_116\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_117\">37.1.  Credit risk [continued] </span><span class=\"S2130 SB S2\" id=\"t6_117\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_117\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1FD4 SA7 S2\" id=\"t8_117\">financial commitments as at 31 December 2021: </span><span class=\"S2131 SC43 S2\" id=\"t9_117\">31/12/2021 </span><span class=\"S2132 SC43 S2\" id=\"ta_117\">Opening </span><span class=\"S2133 SC43 S2\" id=\"tb_117\">balance </span><span class=\"S2134 SC43 S2\" id=\"tc_117\">Modi- </span><span class=\"S2135 SC43 S2\" id=\"td_117\">fication </span><span class=\"S2136 SC43 S2\" id=\"te_117\">Increases due to </span><span class=\"S2137 SC43 S2\" id=\"tf_117\">origination and </span><span class=\"S2138 SC43 S2\" id=\"tg_117\">acquisition </span><span class=\"S2139 SC43 S2\" id=\"th_117\">Decreases </span><span class=\"S213A SC43 S2\" id=\"ti_117\">due to </span><span class=\"S213B SC43 S2\" id=\"tj_117\">derecognition </span><span class=\"S213C SC43 S2\" id=\"tk_117\">Transfers </span><span class=\"S213D SC43 S2\" id=\"tl_117\">between </span><span class=\"S213E SC43 S2\" id=\"tm_117\">stages (net) </span><span class=\"S213F SC43 S2\" id=\"tn_117\">Changes due </span><span class=\"S2140 SC43 S2\" id=\"to_117\">to change in </span><span class=\"S2141 SC43 S2\" id=\"tp_117\">credit risk </span><span class=\"S2142 SC43 S2\" id=\"tq_117\">(net) </span><span class=\"S2143 SC43 S2\" id=\"tr_117\">Changes due to </span><span class=\"S2144 SC43 S2\" id=\"ts_117\">modifications </span><span class=\"S2145 SC43 S2\" id=\"tt_117\">without </span><span class=\"S2146 SC43 S2\" id=\"tu_117\">derecognition (net) </span><span class=\"S2147 SC43 S2\" id=\"tv_117\">Decrease in </span><span class=\"S2148 SC43 S2\" id=\"tw_117\">loss allowance </span><span class=\"S2149 SC43 S2\" id=\"tx_117\">account due to </span><span class=\"S214A SC43 S2\" id=\"ty_117\">write-offs </span><span class=\"S214B SC43 S2\" id=\"tz_117\">Other </span><span class=\"S214C SC43 S2\" id=\"t10_117\">adjustments </span><span class=\"S214D S20BA S2\" id=\"t11_117\">1 </span><span class=\"S214E SC43 S2\" id=\"t12_117\">Closing </span><span class=\"S214F SC43 S2\" id=\"t13_117\">balance </span><span class=\"S2150 SC43 S2\" id=\"t14_117\">Stage 1 </span><span class=\"S2151 SC43 S2\" id=\"t15_117\">123,675 </span><span class=\"S2152 SC43 S2\" id=\"t16_117\">- </span><span class=\"S2153 SC43 S2\" id=\"t17_117\">141,894 </span><span class=\"S2154 SC43 S2\" id=\"t18_117\">(37,619) </span><span class=\"S2155 SC43 S2\" id=\"t19_117\">(103,930) </span><span class=\"S2156 SC43 S2\" id=\"t1a_117\">25,663 </span><span class=\"S2157 SC43 S2\" id=\"t1b_117\">(4,885) </span><span class=\"S2158 SC43 S2\" id=\"t1c_117\">(102) </span><span class=\"S2159 SC43 S2\" id=\"t1d_117\">(2,264) </span><span class=\"S215A SC43 S2\" id=\"t1e_117\">142,432 </span><span class=\"S215B S483 S2\" id=\"t1f_117\">Placements with other banks </span><span class=\"S215C S483 S2\" id=\"t1g_117\">1,377 </span><span class=\"S215D S483 S2\" id=\"t1h_117\">- </span><span class=\"S215E S483 S2\" id=\"t1i_117\">24,635 </span><span class=\"S215F S483 S2\" id=\"t1j_117\">(4,383) </span><span class=\"S2160 S483 S2\" id=\"t1k_117\">- </span><span class=\"S2161 S483 S2\" id=\"t1l_117\">(18,854) </span><span class=\"S2162 S483 S2\" id=\"t1m_117\">- </span><span class=\"S2163 S483 S2\" id=\"t1n_117\">- </span><span class=\"S2164 S483 S2\" id=\"t1o_117\">191 </span><span class=\"S2165 SC43 S2\" id=\"t1p_117\">2,966 </span><span class=\"S1FF5 S483 S2\" id=\"t1q_117\">Repo receivables </span><span class=\"S2166 S483 S2\" id=\"t1r_117\">292 </span><span class=\"S2167 S483 S2\" id=\"t1s_117\">- </span><span class=\"S2168 S483 S2\" id=\"t1t_117\">667 </span><span class=\"S2169 S483 S2\" id=\"t1u_117\">- </span><span class=\"S216A S483 S2\" id=\"t1v_117\">- </span><span class=\"S216B S483 S2\" id=\"t1w_117\">(669) </span><span class=\"S216C S483 S2\" id=\"t1x_117\">- </span><span class=\"S216D S483 S2\" id=\"t1y_117\">- </span><span class=\"S216E S483 S2\" id=\"t1z_117\">- </span><span class=\"S216F SC43 S2\" id=\"t20_117\">290 </span><span class=\"S2170 S483 S2\" id=\"t21_117\">Loans at amortized cost </span><span class=\"S2171 S483 S2\" id=\"t22_117\">106,151 </span><span class=\"S2172 S483 S2\" id=\"t23_117\">- </span><span class=\"S2173 S483 S2\" id=\"t24_117\">109,970 </span><span class=\"S2174 S483 S2\" id=\"t25_117\">(29,761) </span><span class=\"S2175 S483 S2\" id=\"t26_117\">(91,303) </span><span class=\"S2176 S483 S2\" id=\"t27_117\">33,215 </span><span class=\"S2177 S483 S2\" id=\"t28_117\">(4,442) </span><span class=\"S2178 S483 S2\" id=\"t29_117\">(102) </span><span class=\"S2179 S483 S2\" id=\"t2a_117\">(3,339) </span><span class=\"S217A SC43 S2\" id=\"t2b_117\">120,389 </span><span class=\"S217B S483 S2\" id=\"t2c_117\">Finance lease receivables </span><span class=\"S217C S483 S2\" id=\"t2d_117\">4,141 </span><span class=\"S217D S483 S2\" id=\"t2e_117\">- </span><span class=\"S217E S483 S2\" id=\"t2f_117\">2,643 </span><span class=\"S217F S483 S2\" id=\"t2g_117\">(255) </span><span class=\"S2180 S483 S2\" id=\"t2h_117\">(12,106) </span><span class=\"S2181 S483 S2\" id=\"t2i_117\">10,426 </span><span class=\"S2182 S483 S2\" id=\"t2j_117\">(443) </span><span class=\"S2183 S483 S2\" id=\"t2k_117\">- </span><span class=\"S2184 S483 S2\" id=\"t2l_117\">26 </span><span class=\"S2185 SC43 S2\" id=\"t2m_117\">4,432 </span><span class=\"S2186 S483 S2\" id=\"t2n_117\">Interest bearing securities at fair value through </span><span class=\"S2187 S483 S2\" id=\"t2o_117\">other comprehensive income and securities </span><span class=\"S2188 S483 S2\" id=\"t2p_117\">at amortized cost </span><span class=\"S2189 S483 S2\" id=\"t2q_117\">11,714 </span><span class=\"S218A S483 S2\" id=\"t2r_117\">- </span><span class=\"S218B S483 S2\" id=\"t2s_117\">3,979 </span><span class=\"S218C S483 S2\" id=\"t2t_117\">(3,220) </span><span class=\"S218D S483 S2\" id=\"t2u_117\">(521) </span><span class=\"S218E S483 S2\" id=\"t2v_117\">1,545 </span><span class=\"S218F S483 S2\" id=\"t2w_117\">- </span><span class=\"S20EA S483 S2\" id=\"t2x_117\">858 </span><span class=\"S2190 SC43 S2\" id=\"t2y_117\">14,355 </span><span class=\"S2191 SC43 S2\" id=\"t2z_117\">Stage 2 </span><span class=\"S2192 SC43 S2\" id=\"t30_117\">203,173 </span><span class=\"S2193 SC43 S2\" id=\"t31_117\">- </span><span class=\"S2194 SC43 S2\" id=\"t32_117\">29,705 </span><span class=\"S2195 SC43 S2\" id=\"t33_117\">(21,813) </span><span class=\"S2196 SC43 S2\" id=\"t34_117\">9,826 </span><span class=\"S2197 SC43 S2\" id=\"t35_117\">(27,800) </span><span class=\"S2198 SC43 S2\" id=\"t36_117\">8,202 </span><span class=\"S2199 SC43 S2\" id=\"t37_117\">(498) </span><span class=\"S219A SC43 S2\" id=\"t38_117\">7,445 </span><span class=\"S219B SC43 S2\" id=\"t39_117\">208,240 </span><span class=\"S219C S483 S2\" id=\"t3a_117\">Placements with other banks </span><span class=\"S219D S483 S2\" id=\"t3b_117\">1 </span><span class=\"S219E S483 S2\" id=\"t3c_117\">- </span><span class=\"S219F S483 S2\" id=\"t3d_117\">- </span><span class=\"S21A0 S483 S2\" id=\"t3e_117\">- </span><span class=\"S21A1 S483 S2\" id=\"t3f_117\">- </span><span class=\"S21A2 S483 S2\" id=\"t3g_117\">- </span><span class=\"S21A3 S483 S2\" id=\"t3h_117\">(1) </span><span class=\"S21A4 S483 S2\" id=\"t3i_117\">- </span><span class=\"S21A5 SC43 S2\" id=\"t3j_117\">- </span><span class=\"S21A6 S483 S2\" id=\"t3k_117\">Repo receivables </span><span class=\"S21A7 S483 S2\" id=\"t3l_117\">- </span><span class=\"S21A8 S483 S2\" id=\"t3m_117\">- </span><span class=\"S21A9 S483 S2\" id=\"t3n_117\">- </span><span class=\"S21AA S483 S2\" id=\"t3o_117\">- </span><span class=\"S21AB S483 S2\" id=\"t3p_117\">- </span><span class=\"S21AC S483 S2\" id=\"t3q_117\">- </span><span class=\"S21AD S483 S2\" id=\"t3r_117\">- </span><span class=\"S21AE S483 S2\" id=\"t3s_117\">- </span><span class=\"S20F6 S483 S2\" id=\"t3t_117\">- </span><span class=\"S21AF SC43 S2\" id=\"t3u_117\">- </span><span class=\"S21B0 S483 S2\" id=\"t3v_117\">Loans at amortized cost </span><span class=\"S21B1 S483 S2\" id=\"t3w_117\">194,941 </span><span class=\"S21B2 S483 S2\" id=\"t3x_117\">(1,281) </span><span class=\"S21B3 S483 S2\" id=\"t3y_117\">26,947 </span><span class=\"S21B4 S483 S2\" id=\"t3z_117\">(21,200) </span><span class=\"S2041 S483 S2\" id=\"t40_117\">3,766 </span><span class=\"S21B5 S483 S2\" id=\"t41_117\">(23,004) </span><span class=\"S21B6 S483 S2\" id=\"t42_117\">8,550 </span><span class=\"S21B7 S483 S2\" id=\"t43_117\">(497) </span><span class=\"S21B8 S483 S2\" id=\"t44_117\">7,410 </span><span class=\"S21B9 SC43 S2\" id=\"t45_117\">195,632 </span><span class=\"S21BA S483 S2\" id=\"t46_117\">Finance lease receivables </span><span class=\"S21BB S483 S2\" id=\"t47_117\">8,103 </span><span class=\"S21BC S483 S2\" id=\"t48_117\">- </span><span class=\"S21BD S483 S2\" id=\"t49_117\">2,696 </span><span class=\"S21BE S483 S2\" id=\"t4a_117\">(613) </span><span class=\"S21BF S483 S2\" id=\"t4b_117\">5,539 </span><span class=\"S21C0 S483 S2\" id=\"t4c_117\">(4,229) </span><span class=\"S21C1 S483 S2\" id=\"t4d_117\">(348) </span><span class=\"S21C2 S483 S2\" id=\"t4e_117\">- </span><span class=\"S21C3 S483 S2\" id=\"t4f_117\">(8) </span><span class=\"S21C4 SC43 S2\" id=\"t4g_117\">11,140 </span><span class=\"S21C5 S483 S2\" id=\"t4h_117\">Interest bearing securities at fair value through </span><span class=\"S21C6 S483 S2\" id=\"t4i_117\">other comprehensive income and securities </span><span class=\"S21C7 S483 S2\" id=\"t4j_117\">at amortized cost </span><span class=\"S21C8 S483 S2\" id=\"t4k_117\">128 </span><span class=\"S21C9 S483 S2\" id=\"t4l_117\">1,281 </span><span class=\"S21CA S483 S2\" id=\"t4m_117\">62 </span><span class=\"S21CB S483 S2\" id=\"t4n_117\">- </span><span class=\"S21CC S483 S2\" id=\"t4o_117\">521 </span><span class=\"S21CD S483 S2\" id=\"t4p_117\">(567) </span><span class=\"S21CE S483 S2\" id=\"t4q_117\">- </span><span class=\"S21CF S483 S2\" id=\"t4r_117\">- </span><span class=\"S21D0 S483 S2\" id=\"t4s_117\">43 </span><span class=\"S21D1 SC43 S2\" id=\"t4t_117\">1,468 </span><span class=\"S21D2 SC43 S2\" id=\"t4u_117\">Stage 3 </span><span class=\"S21D3 SC43 S2\" id=\"t4v_117\">476,668 </span><span class=\"S21D4 SC43 S2\" id=\"t4w_117\">- </span><span class=\"S21D5 SC43 S2\" id=\"t4x_117\">19,133 </span><span class=\"S21D6 SC43 S2\" id=\"t4y_117\">(44,871) </span><span class=\"S21D7 SC43 S2\" id=\"t4z_117\">94,104 </span><span class=\"S21D8 SC43 S2\" id=\"t50_117\">21,425 </span><span class=\"S21D9 SC43 S2\" id=\"t51_117\">8,856 </span><span class=\"S21DA SC43 S2\" id=\"t52_117\">(69,523) </span><span class=\"S21DB SC43 S2\" id=\"t53_117\">1,050 </span><span class=\"S21DC SC43 S2\" id=\"t54_117\">506,842 </span><span class=\"S21DD S483 S2\" id=\"t55_117\">Placements with other banks </span><span class=\"S21DE S483 S2\" id=\"t56_117\">111 </span><span class=\"S21DF S483 S2\" id=\"t57_117\">- </span><span class=\"S21E0 S483 S2\" id=\"t58_117\">- </span><span class=\"S21E1 S483 S2\" id=\"t59_117\">- </span><span class=\"S21E2 S483 S2\" id=\"t5a_117\">- </span><span class=\"S21E3 S483 S2\" id=\"t5b_117\">46 </span><span class=\"S21E4 S483 S2\" id=\"t5c_117\">- </span><span class=\"S21E5 S483 S2\" id=\"t5d_117\">(240) </span><span class=\"S21E6 S483 S2\" id=\"t5e_117\">111 </span><span class=\"S21E7 SC43 S2\" id=\"t5f_117\">28 </span><span class=\"S2070 S483 S2\" id=\"t5g_117\">Repo receivables </span><span class=\"S21E8 S483 S2\" id=\"t5h_117\">- </span><span class=\"S21E9 S483 S2\" id=\"t5i_117\">- </span><span class=\"S21EA S483 S2\" id=\"t5j_117\">- </span><span class=\"S21EB S483 S2\" id=\"t5k_117\">- </span><span class=\"S21EC S483 S2\" id=\"t5l_117\">- </span><span class=\"S21ED S483 S2\" id=\"t5m_117\">- </span><span class=\"S21EE S483 S2\" id=\"t5n_117\">- </span><span class=\"S21EF S483 S2\" id=\"t5o_117\">- </span><span class=\"S21F0 S483 S2\" id=\"t5p_117\">- </span><span class=\"S21F1 SC43 S2\" id=\"t5q_117\">- </span><span class=\"S21F2 S483 S2\" id=\"t5r_117\">Loans at amortized cost </span><span class=\"S21F3 S483 S2\" id=\"t5s_117\">463,570 </span><span class=\"S21F4 S483 S2\" id=\"t5t_117\">- </span><span class=\"S21F5 S483 S2\" id=\"t5u_117\">17,649 </span><span class=\"S21F6 S483 S2\" id=\"t5v_117\">(43,539) </span><span class=\"S21F7 S483 S2\" id=\"t5w_117\">87,537 </span><span class=\"S21F8 S483 S2\" id=\"t5x_117\">25,360 </span><span class=\"S21F9 S483 S2\" id=\"t5y_117\">9,852 </span><span class=\"S21FA S483 S2\" id=\"t5z_117\">(67,453) </span><span class=\"S21FB S483 S2\" id=\"t60_117\">(405) </span><span class=\"S21FC SC43 S2\" id=\"t61_117\">492,571 </span><span class=\"S21FD S483 S2\" id=\"t62_117\">Finance lease receivables </span><span class=\"S21FE S483 S2\" id=\"t63_117\">12,188 </span><span class=\"S21FF S483 S2\" id=\"t64_117\">- </span><span class=\"S2200 S483 S2\" id=\"t65_117\">1,484 </span><span class=\"S2201 S483 S2\" id=\"t66_117\">(1,332) </span><span class=\"S2202 S483 S2\" id=\"t67_117\">6,567 </span><span class=\"S2203 S483 S2\" id=\"t68_117\">(3,981) </span><span class=\"S2204 S483 S2\" id=\"t69_117\">(996) </span><span class=\"S2205 S483 S2\" id=\"t6a_117\">(1,022) </span><span class=\"S2206 S483 S2\" id=\"t6b_117\">1,335 </span><span class=\"S2207 SC43 S2\" id=\"t6c_117\">14,243 </span><span class=\"S2208 S483 S2\" id=\"t6d_117\">Interest bearing securities at fair value through </span><span class=\"S2209 S483 S2\" id=\"t6e_117\">other comprehensive income and securities </span><span class=\"S220A S483 S2\" id=\"t6f_117\">at amortized cost </span><span class=\"S220B S483 S2\" id=\"t6g_117\">799 </span><span class=\"S220C S483 S2\" id=\"t6h_117\">- </span><span class=\"S220D S483 S2\" id=\"t6i_117\">- </span><span class=\"S220E S483 S2\" id=\"t6j_117\">- </span><span class=\"S220F S483 S2\" id=\"t6k_117\">- </span><span class=\"S2210 S483 S2\" id=\"t6l_117\">- </span><span class=\"S2211 S483 S2\" id=\"t6m_117\">- </span><span class=\"S2212 S483 S2\" id=\"t6n_117\">(808) </span><span class=\"S2213 S483 S2\" id=\"t6o_117\">9 </span><span class=\"S2214 SC43 S2\" id=\"t6p_117\">- </span><span class=\"S2215 SC43 S2\" id=\"t6q_117\">Loss allowance on financial assets subtotal </span><span class=\"S2216 SC43 S2\" id=\"t6r_117\">803,516 </span><span class=\"S2217 SC43 S2\" id=\"t6s_117\">- </span><span class=\"S2218 SC43 S2\" id=\"t6t_117\">190,732 </span><span class=\"S2219 SC43 S2\" id=\"t6u_117\">(104,303) </span><span class=\"S221A SC43 S2\" id=\"t6v_117\">- </span><span class=\"S221B SC43 S2\" id=\"t6w_117\">19,288 </span><span class=\"S221C SC43 S2\" id=\"t6x_117\">12,173 </span><span class=\"S221D SC43 S2\" id=\"t6y_117\">(70,123) </span><span class=\"S221E SC43 S2\" id=\"t6z_117\">6,231 </span><span class=\"S221F SC43 S2\" id=\"t70_117\">857,514 </span><span class=\"S2220 S482 S2\" id=\"t71_117\">1 </span><span class=\"S2221 S483 S2\" id=\"t72_117\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_118\">37.1.  Credit risk [continued] </span><span class=\"S2222 SB S2\" id=\"t6_118\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_118\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S2223 SA7 S2\" id=\"t8_118\">financial commitments as at 31 December 2021 [continued]: </span><span class=\"S2224 SC43 S2\" id=\"t9_118\">31/12/2021 </span><span class=\"S2225 SC43 S2\" id=\"ta_118\">Opening </span><span class=\"S2226 SC43 S2\" id=\"tb_118\">balance </span><span class=\"S2227 SC43 S2\" id=\"tc_118\">Modi- </span><span class=\"S2228 SC43 S2\" id=\"td_118\">fication </span><span class=\"S2229 SC43 S2\" id=\"te_118\">Increases due to </span><span class=\"S222A SC43 S2\" id=\"tf_118\">origination and </span><span class=\"S222B SC43 S2\" id=\"tg_118\">acquisition </span><span class=\"S222C SC43 S2\" id=\"th_118\">Decreases </span><span class=\"S222D SC43 S2\" id=\"ti_118\">due to </span><span class=\"S222E SC43 S2\" id=\"tj_118\">derecognition </span><span class=\"S222F SC43 S2\" id=\"tk_118\">Transfers </span><span class=\"S2230 SC43 S2\" id=\"tl_118\">between </span><span class=\"S2231 SC43 S2\" id=\"tm_118\">stages (net) </span><span class=\"S2232 SC43 S2\" id=\"tn_118\">Changes due </span><span class=\"S2233 SC43 S2\" id=\"to_118\">to change in </span><span class=\"S2234 SC43 S2\" id=\"tp_118\">credit risk </span><span class=\"S2235 SC43 S2\" id=\"tq_118\">(net) </span><span class=\"S2236 SC43 S2\" id=\"tr_118\">Changes due to </span><span class=\"S2237 SC43 S2\" id=\"ts_118\">modifications </span><span class=\"S2238 SC43 S2\" id=\"tt_118\">without </span><span class=\"S2239 SC43 S2\" id=\"tu_118\">derecognition (net) </span><span class=\"S223A SC43 S2\" id=\"tv_118\">Decrease in </span><span class=\"S223B SC43 S2\" id=\"tw_118\">loss allowance </span><span class=\"S223C SC43 S2\" id=\"tx_118\">account due to </span><span class=\"S223D SC43 S2\" id=\"ty_118\">write-offs </span><span class=\"S223E SC43 S2\" id=\"tz_118\">Other </span><span class=\"S223F SC43 S2\" id=\"t10_118\">adjustments </span><span class=\"S2240 S20BA S2\" id=\"t11_118\">1 </span><span class=\"S2241 SC43 S2\" id=\"t12_118\">Closing </span><span class=\"S2242 SC43 S2\" id=\"t13_118\">balance </span><span class=\"S2243 SC43 S2\" id=\"t14_118\">POCI </span><span class=\"S2244 SC43 S2\" id=\"t15_118\">65,051 </span><span class=\"S2245 SC43 S2\" id=\"t16_118\">- </span><span class=\"S2246 SC43 S2\" id=\"t17_118\">- </span><span class=\"S2247 SC43 S2\" id=\"t18_118\">(2,929) </span><span class=\"S2248 SC43 S2\" id=\"t19_118\">- </span><span class=\"S2249 SC43 S2\" id=\"t1a_118\">(17,138) </span><span class=\"S224A SC43 S2\" id=\"t1b_118\">(129) </span><span class=\"S224B SC43 S2\" id=\"t1c_118\">(4,370) </span><span class=\"S224C SC43 S2\" id=\"t1d_118\">3,105 </span><span class=\"S224D SC43 S2\" id=\"t1e_118\">43,590 </span><span class=\"S224E S483 S2\" id=\"t1f_118\">Placements with other banks </span><span class=\"S224F S483 S2\" id=\"t1g_118\">- </span><span class=\"S2250 S483 S2\" id=\"t1h_118\">- </span><span class=\"S2251 S483 S2\" id=\"t1i_118\">- </span><span class=\"S2252 S483 S2\" id=\"t1j_118\">(2,929) </span><span class=\"S2253 S483 S2\" id=\"t1k_118\">- </span><span class=\"S2254 S483 S2\" id=\"t1l_118\">6,004 </span><span class=\"S2255 S483 S2\" id=\"t1m_118\">(129) </span><span class=\"S2256 S483 S2\" id=\"t1n_118\">(4,370) </span><span class=\"S2257 S483 S2\" id=\"t1o_118\">1,424 </span><span class=\"S2258 SC43 S2\" id=\"t1p_118\">- </span><span class=\"S2259 S483 S2\" id=\"t1q_118\">Repo receivables </span><span class=\"S225A S483 S2\" id=\"t1r_118\">- </span><span class=\"S225B S483 S2\" id=\"t1s_118\">- </span><span class=\"S225C S483 S2\" id=\"t1t_118\">- </span><span class=\"S225D S483 S2\" id=\"t1u_118\">- </span><span class=\"S225E S483 S2\" id=\"t1v_118\">- </span><span class=\"S225F S483 S2\" id=\"t1w_118\">- </span><span class=\"S2260 S483 S2\" id=\"t1x_118\">- </span><span class=\"S2261 S483 S2\" id=\"t1y_118\">- </span><span class=\"S2262 S483 S2\" id=\"t1z_118\">- </span><span class=\"S2263 SC43 S2\" id=\"t20_118\">- </span><span class=\"S2264 S483 S2\" id=\"t21_118\">Loans at amortized cost </span><span class=\"S2265 S483 S2\" id=\"t22_118\">64,881 </span><span class=\"S2266 S483 S2\" id=\"t23_118\">- </span><span class=\"S2267 S483 S2\" id=\"t24_118\">- </span><span class=\"S2268 S483 S2\" id=\"t25_118\">- </span><span class=\"S2269 S483 S2\" id=\"t26_118\">- </span><span class=\"S226A S483 S2\" id=\"t27_118\">(23,142) </span><span class=\"S226B S483 S2\" id=\"t28_118\">- </span><span class=\"S226C S483 S2\" id=\"t29_118\">- </span><span class=\"S226D S483 S2\" id=\"t2a_118\">1,663 </span><span class=\"S226E SC43 S2\" id=\"t2b_118\">43,402 </span><span class=\"S226F S483 S2\" id=\"t2c_118\">Finance lease receivables </span><span class=\"S2270 S483 S2\" id=\"t2d_118\">170 </span><span class=\"S2271 S483 S2\" id=\"t2e_118\">- </span><span class=\"S2272 S483 S2\" id=\"t2f_118\">- </span><span class=\"S2273 S483 S2\" id=\"t2g_118\">- </span><span class=\"S2274 S483 S2\" id=\"t2h_118\">- </span><span class=\"S2275 S483 S2\" id=\"t2i_118\">- </span><span class=\"S2276 S483 S2\" id=\"t2j_118\">- </span><span class=\"S2277 S483 S2\" id=\"t2k_118\">- </span><span class=\"S2278 S483 S2\" id=\"t2l_118\">18 </span><span class=\"S2279 SC43 S2\" id=\"t2m_118\">188 </span><span class=\"S227A S483 S2\" id=\"t2n_118\">Interest bearing securities at fair value through </span><span class=\"S227B S483 S2\" id=\"t2o_118\">other comprehensive income and securities </span><span class=\"S227C S483 S2\" id=\"t2p_118\">at amortized cost </span><span class=\"S227D S483 S2\" id=\"t2q_118\">- </span><span class=\"S227E S483 S2\" id=\"t2r_118\">- </span><span class=\"S227F S483 S2\" id=\"t2s_118\">- </span><span class=\"S2280 S483 S2\" id=\"t2t_118\">- </span><span class=\"S2281 S483 S2\" id=\"t2u_118\">- </span><span class=\"S2282 S483 S2\" id=\"t2v_118\">- </span><span class=\"S2283 S483 S2\" id=\"t2w_118\">- </span><span class=\"S2284 S483 S2\" id=\"t2x_118\">- </span><span class=\"S2285 S483 S2\" id=\"t2y_118\">- </span><span class=\"S2286 SC43 S2\" id=\"t2z_118\">- </span><span class=\"S2287 SC43 S2\" id=\"t30_118\">Loss allowance on financial assets total </span><span class=\"S2288 SC43 S2\" id=\"t31_118\">868,567 </span><span class=\"S2289 SC43 S2\" id=\"t32_118\">- </span><span class=\"S228A SC43 S2\" id=\"t33_118\">190,732 </span><span class=\"S228B SC43 S2\" id=\"t34_118\">(107,232) </span><span class=\"S228C SC43 S2\" id=\"t35_118\">- </span><span class=\"S228D SC43 S2\" id=\"t36_118\">2,150 </span><span class=\"S228E SC43 S2\" id=\"t37_118\">12,044 </span><span class=\"S228F SC43 S2\" id=\"t38_118\">(74,493) </span><span class=\"S2290 SC43 S2\" id=\"t39_118\">9,336 </span><span class=\"S2291 SC43 S2\" id=\"t3a_118\">901,104 </span><span class=\"S2292 S483 S2\" id=\"t3b_118\">Loan commitments and financial guarantees </span><span class=\"S2293 S483 S2\" id=\"t3c_118\">given - stage 1 </span><span class=\"S2294 S483 S2\" id=\"t3d_118\">37,297 </span><span class=\"S2295 S483 S2\" id=\"t3e_118\">- </span><span class=\"S2296 S483 S2\" id=\"t3f_118\">23,514 </span><span class=\"S2297 S483 S2\" id=\"t3g_118\">(5,522) </span><span class=\"S2298 S483 S2\" id=\"t3h_118\">1,446 </span><span class=\"S2299 S483 S2\" id=\"t3i_118\">(20,069) </span><span class=\"S229A S483 S2\" id=\"t3j_118\">(1,031) </span><span class=\"S229B S483 S2\" id=\"t3k_118\">- </span><span class=\"S229C S483 S2\" id=\"t3l_118\">(112) </span><span class=\"S229D SC43 S2\" id=\"t3m_118\">35,523 </span><span class=\"S229E S483 S2\" id=\"t3n_118\">Loan commitments and financial guarantees </span><span class=\"S229F S483 S2\" id=\"t3o_118\">given - stage 2 </span><span class=\"S22A0 S483 S2\" id=\"t3p_118\">11,055 </span><span class=\"S22A1 S483 S2\" id=\"t3q_118\">- </span><span class=\"S22A2 S483 S2\" id=\"t3r_118\">3,804 </span><span class=\"S22A3 S483 S2\" id=\"t3s_118\">(791) </span><span class=\"S22A4 S483 S2\" id=\"t3t_118\">(2,173) </span><span class=\"S22A5 S483 S2\" id=\"t3u_118\">(2,216) </span><span class=\"S22A6 S483 S2\" id=\"t3v_118\">436 </span><span class=\"S22A7 S483 S2\" id=\"t3w_118\">- </span><span class=\"S22A8 S483 S2\" id=\"t3x_118\">(85) </span><span class=\"S22A9 SC43 S2\" id=\"t3y_118\">10,030 </span><span class=\"S22AA S483 S2\" id=\"t3z_118\">Loan commitments and financial guarantees </span><span class=\"S22AB S483 S2\" id=\"t40_118\">given - stage 3 </span><span class=\"S22AC S483 S2\" id=\"t41_118\">6,458 </span><span class=\"S22AD S483 S2\" id=\"t42_118\">- </span><span class=\"S22AE S483 S2\" id=\"t43_118\">932 </span><span class=\"S22AF S483 S2\" id=\"t44_118\">(1,337) </span><span class=\"S22B0 S483 S2\" id=\"t45_118\">727 </span><span class=\"S22B1 S483 S2\" id=\"t46_118\">196 </span><span class=\"S22B2 S483 S2\" id=\"t47_118\">(65) </span><span class=\"S22B3 S483 S2\" id=\"t48_118\">- </span><span class=\"S22B4 S483 S2\" id=\"t49_118\">(502) </span><span class=\"S22B5 SC43 S2\" id=\"t4a_118\">6,409 </span><span class=\"S22B6 S483 S2\" id=\"t4b_118\">Loan commitments and financial guarantees </span><span class=\"S22B7 S483 S2\" id=\"t4c_118\">given - poci </span><span class=\"S22B8 S483 S2\" id=\"t4d_118\">- </span><span class=\"S22B9 S483 S2\" id=\"t4e_118\">- </span><span class=\"S22BA S483 S2\" id=\"t4f_118\">31 </span><span class=\"S22BB S483 S2\" id=\"t4g_118\">(4) </span><span class=\"S22BC S483 S2\" id=\"t4h_118\">- </span><span class=\"S22BD S483 S2\" id=\"t4i_118\">3 </span><span class=\"S22BE S483 S2\" id=\"t4j_118\">(1) </span><span class=\"S22BF S483 S2\" id=\"t4k_118\">- </span><span class=\"S22C0 S483 S2\" id=\"t4l_118\">(1) </span><span class=\"S22C1 SC43 S2\" id=\"t4m_118\">28 </span><span class=\"S22C2 SC43 S2\" id=\"t4n_118\">Provision on financial liabilities total </span><span class=\"S22C3 SC43 S2\" id=\"t4o_118\">54,810 </span><span class=\"S22C4 SC43 S2\" id=\"t4p_118\">- </span><span class=\"S22C5 SC43 S2\" id=\"t4q_118\">28,281 </span><span class=\"S22C6 SC43 S2\" id=\"t4r_118\">(7,654) </span><span class=\"S22C7 SC43 S2\" id=\"t4s_118\">- </span><span class=\"S22C8 SC43 S2\" id=\"t4t_118\">(22,086) </span><span class=\"S22C9 SC43 S2\" id=\"t4u_118\">(661) </span><span class=\"S22CA SC43 S2\" id=\"t4v_118\">- </span><span class=\"S22CB SC43 S2\" id=\"t4w_118\">(700) </span><span class=\"S22CC SC43 S2\" id=\"t4x_118\">51,990 </span><span class=\"S22CD S482 S2\" id=\"t4y_118\">1 </span><span class=\"S22CE S483 S2\" id=\"t4z_118\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S22CF SB S2\" id=\"t5_119\">37.1.   Credit risk [continued] </span><span class=\"S22D0 SB S2\" id=\"t6_119\">37.1.3. </span><span class=\"S22D1 SB S2\" id=\"t7_119\">Loan portfolio by internal ratings </span><span class=\"S22D2 SB S2\" id=\"t8_119\">2022 </span><span class=\"S22D3 SB S2\" id=\"t9_119\">Gross carrying amount </span><span class=\"S22D4 SB S2\" id=\"ta_119\">Internal rating grade </span><span class=\"S22D5 SB S2\" id=\"tb_119\">Stage 1 </span><span class=\"S22D6 SB S2\" id=\"tc_119\">Stage 2 </span><span class=\"S22D7 SB S2\" id=\"td_119\">Stage 3 </span><span class=\"S22D8 SB S2\" id=\"te_119\">POCI </span><span class=\"S22D9 SB S2\" id=\"tf_119\">Total </span><span class=\"S22DA SA7 S2\" id=\"tg_119\">Low risk grade (1-4) </span><span class=\"S22DB SA7 S2\" id=\"th_119\">9,947,741 </span><span class=\"S22DC SA7 S2\" id=\"ti_119\">569,504 </span><span class=\"S22DD SA7 S2\" id=\"tj_119\">- </span><span class=\"S22DE SA7 S2\" id=\"tk_119\">3,703 </span><span class=\"S22DF SA7 S2\" id=\"tl_119\">10,520,948 </span><span class=\"S22E0 SA7 S2\" id=\"tm_119\">Medium risk grade (5-7) </span><span class=\"S22E1 SA7 S2\" id=\"tn_119\">5,073,919 </span><span class=\"S22E2 SA7 S2\" id=\"to_119\">1,033,413 </span><span class=\"S22E3 SA7 S2\" id=\"tp_119\">- </span><span class=\"S22E4 SA7 S2\" id=\"tq_119\">36,259 </span><span class=\"S22E5 SA7 S2\" id=\"tr_119\">6,143,591 </span><span class=\"S22E6 SA7 S2\" id=\"ts_119\">High risk grade (8-9) </span><span class=\"S22E7 SA7 S2\" id=\"tt_119\">200,696 </span><span class=\"S22E8 SA7 S2\" id=\"tu_119\">582,220 </span><span class=\"S22E9 SA7 S2\" id=\"tv_119\">- </span><span class=\"S22EA SA7 S2\" id=\"tw_119\">2,913 </span><span class=\"S22EB SA7 S2\" id=\"tx_119\">785,829 </span><span class=\"S22EC SA7 S2\" id=\"ty_119\">Non-performing </span><span class=\"S22ED SA7 S2\" id=\"tz_119\">- </span><span class=\"S22EE SA7 S2\" id=\"t10_119\">- </span><span class=\"S22EF SA7 S2\" id=\"t11_119\">908,014 </span><span class=\"S22F0 SA7 S2\" id=\"t12_119\">54,319 </span><span class=\"S22F1 SA7 S2\" id=\"t13_119\">962,333 </span><span class=\"S22F2 SB S2\" id=\"t14_119\">Total loans at amortized cost </span><span class=\"S22F3 SB S2\" id=\"t15_119\">and finance lease receivable </span><span class=\"S22F4 SB S2\" id=\"t16_119\">15,222,356 </span><span class=\"S22F5 SB S2\" id=\"t17_119\">2,185,137 </span><span class=\"S22F6 SB S2\" id=\"t18_119\">908,014 </span><span class=\"S22F7 SB S2\" id=\"t19_119\">97,194 </span><span class=\"S22F8 SB S2\" id=\"t1a_119\">18,412,701 </span><span class=\"S22F9 SB S2\" id=\"t1b_119\">2022 </span><span class=\"S22FA SB S2\" id=\"t1c_119\">Accumulated loss allowance </span><span class=\"S22FB SB S2\" id=\"t1d_119\">Internal rating grade </span><span class=\"S22FC SB S2\" id=\"t1e_119\">Stage 1 </span><span class=\"S22FD SB S2\" id=\"t1f_119\">Stage 2 </span><span class=\"S22FE SB S2\" id=\"t1g_119\">Stage 3 </span><span class=\"S22FF SB S2\" id=\"t1h_119\">POCI </span><span class=\"S2300 SB S2\" id=\"t1i_119\">Total </span><span class=\"S2301 SA7 S2\" id=\"t1j_119\">Low risk grade (1-4) </span><span class=\"S2302 SA7 S2\" id=\"t1k_119\">(66,621) </span><span class=\"S2303 SA7 S2\" id=\"t1l_119\">(51,998) </span><span class=\"S2304 SA7 S2\" id=\"t1m_119\">- </span><span class=\"S2305 SA7 S2\" id=\"t1n_119\">(172) </span><span class=\"S2306 SA7 S2\" id=\"t1o_119\">(118,791) </span><span class=\"S2307 SA7 S2\" id=\"t1p_119\">Medium risk grade (5-7) </span><span class=\"S2308 SA7 S2\" id=\"t1q_119\">(82,554) </span><span class=\"S2309 SA7 S2\" id=\"t1r_119\">(121,985) </span><span class=\"S230A SA7 S2\" id=\"t1s_119\">- </span><span class=\"S230B SA7 S2\" id=\"t1t_119\">(6,235) </span><span class=\"S230C SA7 S2\" id=\"t1u_119\">(210,774) </span><span class=\"S230D SA7 S2\" id=\"t1v_119\">High risk grade (8-9) </span><span class=\"S230E SA7 S2\" id=\"t1w_119\">(7,811) </span><span class=\"S230F SA7 S2\" id=\"t1x_119\">(65,223) </span><span class=\"S2310 SA7 S2\" id=\"t1y_119\">- </span><span class=\"S2311 SA7 S2\" id=\"t1z_119\">(250) </span><span class=\"S2312 SA7 S2\" id=\"t20_119\">(73,284) </span><span class=\"S2313 SA7 S2\" id=\"t21_119\">Non-performing </span><span class=\"S2314 SA7 S2\" id=\"t22_119\">- </span><span class=\"S2315 SA7 S2\" id=\"t23_119\">- </span><span class=\"S2316 SA7 S2\" id=\"t24_119\">(589,348) </span><span class=\"S2317 SA7 S2\" id=\"t25_119\">(27,294) </span><span class=\"S2318 SA7 S2\" id=\"t26_119\">(616,642) </span><span class=\"S2319 SB S2\" id=\"t27_119\">Total loans at amortized cost </span><span class=\"S231A SB S2\" id=\"t28_119\">and finance lease receivable </span><span class=\"S231B SB S2\" id=\"t29_119\">(156,986) </span><span class=\"S231C SB S2\" id=\"t2a_119\">(239,206) </span><span class=\"S231D SB S2\" id=\"t2b_119\">(589,348) </span><span class=\"S231E SB S2\" id=\"t2c_119\">(33,951) </span><span class=\"S231F SB S2\" id=\"t2d_119\">(1,019,491) </span><span class=\"S2320 SB S2\" id=\"t2e_119\">2021 </span><span class=\"S2321 SB S2\" id=\"t2f_119\">Gross carrying amount </span><span class=\"S2322 SB S2\" id=\"t2g_119\">Internal rating grade </span><span class=\"S2323 SB S2\" id=\"t2h_119\">Stage 1 </span><span class=\"S2324 SB S2\" id=\"t2i_119\">Stage 2 </span><span class=\"S2325 SB S2\" id=\"t2j_119\">Stage 3 </span><span class=\"S2326 SB S2\" id=\"t2k_119\">POCI </span><span class=\"S2327 SB S2\" id=\"t2l_119\">Total </span><span class=\"S2328 SA7 S2\" id=\"t2m_119\">Low risk grade (1-4) </span><span class=\"S2329 SA7 S2\" id=\"t2n_119\">7,644,341 </span><span class=\"S232A SA7 S2\" id=\"t2o_119\">631,138 </span><span class=\"S232B SA7 S2\" id=\"t2p_119\">- </span><span class=\"S232C SA7 S2\" id=\"t2q_119\">2,921 </span><span class=\"S232D SA7 S2\" id=\"t2r_119\">8,278,400 </span><span class=\"S232E SA7 S2\" id=\"t2s_119\">Medium risk grade (5-7) </span><span class=\"S232F SA7 S2\" id=\"t2t_119\">4,692,656 </span><span class=\"S2330 SA7 S2\" id=\"t2u_119\">869,200 </span><span class=\"S2331 SA7 S2\" id=\"t2v_119\">- </span><span class=\"S2332 SA7 S2\" id=\"t2w_119\">46,708 </span><span class=\"S2333 SA7 S2\" id=\"t2x_119\">5,608,564 </span><span class=\"S2334 SA7 S2\" id=\"t2y_119\">High risk grade (8-9) </span><span class=\"S2335 SA7 S2\" id=\"t2z_119\">289,030 </span><span class=\"S2336 SA7 S2\" id=\"t30_119\">526,928 </span><span class=\"S2337 SA7 S2\" id=\"t31_119\">- </span><span class=\"S2338 SA7 S2\" id=\"t32_119\">2,563 </span><span class=\"S2339 SA7 S2\" id=\"t33_119\">818,521 </span><span class=\"SF24 SA7 S2\" id=\"t34_119\">Non-performing </span><span class=\"S233A SA7 S2\" id=\"t35_119\">- </span><span class=\"S233B SA7 S2\" id=\"t36_119\">4,175 </span><span class=\"S233C SA7 S2\" id=\"t37_119\">800,217 </span><span class=\"S233D SA7 S2\" id=\"t38_119\">47,931 </span><span class=\"S233E SA7 S2\" id=\"t39_119\">852,323 </span><span class=\"S233F SB S2\" id=\"t3a_119\">Total loans at amortized cost </span><span class=\"S2340 SB S2\" id=\"t3b_119\">and finance lease receivable </span><span class=\"S2341 SB S2\" id=\"t3c_119\">12,626,027 </span><span class=\"S2342 SB S2\" id=\"t3d_119\">2,031,441 </span><span class=\"S2343 SB S2\" id=\"t3e_119\">800,217 </span><span class=\"S2344 SB S2\" id=\"t3f_119\">100,123 </span><span class=\"S2345 SB S2\" id=\"t3g_119\">15,557,808 </span><span class=\"S2346 SB S2\" id=\"t3h_119\">2021 </span><span class=\"S2347 SB S2\" id=\"t3i_119\">Accumulated loss allowance </span><span class=\"S2348 SB S2\" id=\"t3j_119\">Internal rating grade </span><span class=\"S2349 SB S2\" id=\"t3k_119\">Stage 1 </span><span class=\"S234A SB S2\" id=\"t3l_119\">Stage 2 </span><span class=\"S234B SB S2\" id=\"t3m_119\">Stage 3 </span><span class=\"S234C SB S2\" id=\"t3n_119\">POCI </span><span class=\"S234D SB S2\" id=\"t3o_119\">Total </span><span class=\"S1536 SA7 S2\" id=\"t3p_119\">Low risk grade (1-4) </span><span class=\"S234E SA7 S2\" id=\"t3q_119\">52,654 </span><span class=\"S234F SA7 S2\" id=\"t3r_119\">42,988 </span><span class=\"S2350 SA7 S2\" id=\"t3s_119\">- </span><span class=\"S2351 SA7 S2\" id=\"t3t_119\">129 </span><span class=\"S2352 SA7 S2\" id=\"t3u_119\">95,771 </span><span class=\"S2353 SA7 S2\" id=\"t3v_119\">Medium risk grade (5-7) </span><span class=\"S2354 SA7 S2\" id=\"t3w_119\">57,421 </span><span class=\"S2355 SA7 S2\" id=\"t3x_119\">81,894 </span><span class=\"S2356 SA7 S2\" id=\"t3y_119\">- </span><span class=\"S2357 SA7 S2\" id=\"t3z_119\">13,009 </span><span class=\"S2358 SA7 S2\" id=\"t40_119\">152,324 </span><span class=\"S2359 SA7 S2\" id=\"t41_119\">High risk grade (8-9) </span><span class=\"S235A SA7 S2\" id=\"t42_119\">14,746 </span><span class=\"S235B SA7 S2\" id=\"t43_119\">78,111 </span><span class=\"S235C SA7 S2\" id=\"t44_119\">- </span><span class=\"S235D SA7 S2\" id=\"t45_119\">375 </span><span class=\"S235E SA7 S2\" id=\"t46_119\">93,232 </span><span class=\"S235F SA7 S2\" id=\"t47_119\">Non-performing </span><span class=\"S2360 SA7 S2\" id=\"t48_119\">- </span><span class=\"S2361 SA7 S2\" id=\"t49_119\">3,779 </span><span class=\"S2362 SA7 S2\" id=\"t4a_119\">506,814 </span><span class=\"S2363 SA7 S2\" id=\"t4b_119\">30,077 </span><span class=\"S2364 SA7 S2\" id=\"t4c_119\">540,670 </span><span class=\"S2365 SB S2\" id=\"t4d_119\">Total loans at amortized cost </span><span class=\"S2366 SB S2\" id=\"t4e_119\">and finance lease receivable </span><span class=\"S2367 SB S2\" id=\"t4f_119\">124,821 </span><span class=\"S2368 SB S2\" id=\"t4g_119\">206,772 </span><span class=\"S2369 SB S2\" id=\"t4h_119\">506,814 </span><span class=\"S236A SB S2\" id=\"t4i_119\">43,590 </span><span class=\"S236B SB S2\" id=\"t4j_119\">881,997 </span><span class=\"S236C SB S2\" id=\"t5_120\">37.1.   Credit risk [continued] </span><span class=\"S236D SB S2\" id=\"t6_120\">37.1.4. </span><span class=\"S236E SB S2\" id=\"t7_120\">Loan portfolio by countries </span><span class=\"S236F SA7 S2\" id=\"t8_120\">An analysis of the non-qualified and qualified gross loan portfolio at amortized cost, finance lease receivables, </span><span class=\"S2370 SA7 S2\" id=\"t9_120\">placements with other banks and repo receivables and their loss allowances by country is as follows: </span><span class=\"S2371 S27D S2\" id=\"ta_120\">2022 </span><span class=\"S2372 S27D S2\" id=\"tb_120\">2021 </span><span class=\"S2373 S27D S2\" id=\"tc_120\">Country </span><span class=\"S2374 S27D S2\" id=\"td_120\">Gross amount of </span><span class=\"S2375 S27D S2\" id=\"te_120\">exposure </span><span class=\"S2376 S27D S2\" id=\"tf_120\">Loss </span><span class=\"S2377 S27D S2\" id=\"tg_120\">allowance </span><span class=\"S2378 S27D S2\" id=\"th_120\">Gross amount of </span><span class=\"S2379 S27D S2\" id=\"ti_120\">exposure </span><span class=\"S237A S27D S2\" id=\"tj_120\">Loss </span><span class=\"S237B S27D S2\" id=\"tk_120\">allowance </span><span class=\"S237C S27E S2\" id=\"tl_120\">Hungary </span><span class=\"S237D S27E S2\" id=\"tm_120\">5,955,212 </span><span class=\"S237E S27E S2\" id=\"tn_120\">235,946 </span><span class=\"S237F S27E S2\" id=\"to_120\">5,528,516 </span><span class=\"S2380 S27E S2\" id=\"tp_120\">215,911 </span><span class=\"S2381 S27E S2\" id=\"tq_120\">Bulgaria </span><span class=\"S2382 S27E S2\" id=\"tr_120\">3,537,330 </span><span class=\"S2383 S27E S2\" id=\"ts_120\">159,412 </span><span class=\"S2384 S27E S2\" id=\"tt_120\">2,972,390 </span><span class=\"S2385 S27E S2\" id=\"tu_120\">206,233 </span><span class=\"S2386 S27E S2\" id=\"tv_120\">Croatia </span><span class=\"S2387 S27E S2\" id=\"tw_120\">2,279,085 </span><span class=\"S2388 S27E S2\" id=\"tx_120\">102,039 </span><span class=\"S2389 S27E S2\" id=\"ty_120\">1,826,233 </span><span class=\"S238A S27E S2\" id=\"tz_120\">101,067 </span><span class=\"S238B S27E S2\" id=\"t10_120\">Serbia </span><span class=\"S238C S27E S2\" id=\"t11_120\">2,127,646 </span><span class=\"S238D S27E S2\" id=\"t12_120\">70,779 </span><span class=\"S238E S27E S2\" id=\"t13_120\">1,729,147 </span><span class=\"S238F S27E S2\" id=\"t14_120\">47,085 </span><span class=\"S2390 S27E S2\" id=\"t15_120\">Romania </span><span class=\"S2391 S27E S2\" id=\"t16_120\">1,326,510 </span><span class=\"S2392 S27E S2\" id=\"t17_120\">65,646 </span><span class=\"S2393 S27E S2\" id=\"t18_120\">1,076,696 </span><span class=\"S2394 S27E S2\" id=\"t19_120\">57,665 </span><span class=\"S2395 S27E S2\" id=\"t1a_120\">Slovenia </span><span class=\"S2396 S27E S2\" id=\"t1b_120\">1,200,735 </span><span class=\"S2397 S27E S2\" id=\"t1c_120\">14,627 </span><span class=\"S2398 S27E S2\" id=\"t1d_120\">981,307 </span><span class=\"S2399 S27E S2\" id=\"t1e_120\">16,244 </span><span class=\"S239A S27E S2\" id=\"t1f_120\">Russia </span><span class=\"S239B S27E S2\" id=\"t1g_120\">1,053,208 </span><span class=\"S239C S27E S2\" id=\"t1h_120\">187,610 </span><span class=\"S239D S27E S2\" id=\"t1i_120\">812,070 </span><span class=\"S239E S27E S2\" id=\"t1j_120\">137,920 </span><span class=\"S239F S27E S2\" id=\"t1k_120\">Ukraine </span><span class=\"S23A0 S27E S2\" id=\"t1l_120\">543,159 </span><span class=\"S23A1 S27E S2\" id=\"t1m_120\">124,859 </span><span class=\"S23A2 S27E S2\" id=\"t1n_120\">684,030 </span><span class=\"S23A3 S27E S2\" id=\"t1o_120\">52,678 </span><span class=\"S23A4 S27E S2\" id=\"t1p_120\">Montenegro </span><span class=\"S23A5 S27E S2\" id=\"t1q_120\">454,567 </span><span class=\"S23A6 S27E S2\" id=\"t1r_120\">22,421 </span><span class=\"S23A7 S27E S2\" id=\"t1s_120\">385,342 </span><span class=\"S23A8 S27E S2\" id=\"t1t_120\">24,930 </span><span class=\"S23A9 S27E S2\" id=\"t1u_120\">France </span><span class=\"S23AA S27E S2\" id=\"t1v_120\">272,848 </span><span class=\"S23AB S27E S2\" id=\"t1w_120\">1,171 </span><span class=\"S23AC S27E S2\" id=\"t1x_120\">182,850 </span><span class=\"S23AD S27E S2\" id=\"t1y_120\">725 </span><span class=\"S23AE S27E S2\" id=\"t1z_120\">Albania </span><span class=\"S23AF S27E S2\" id=\"t20_120\">390,856 </span><span class=\"S23B0 S27E S2\" id=\"t21_120\">16,660 </span><span class=\"S23B1 S27E S2\" id=\"t22_120\">233,391 </span><span class=\"S23B2 S27E S2\" id=\"t23_120\">10,551 </span><span class=\"S23B3 S27E S2\" id=\"t24_120\">Moldova </span><span class=\"S23B4 S27E S2\" id=\"t25_120\">171,616 </span><span class=\"S23B5 S27E S2\" id=\"t26_120\">11,181 </span><span class=\"S23B6 S27E S2\" id=\"t27_120\">166,720 </span><span class=\"S23B7 S27E S2\" id=\"t28_120\">5,025 </span><span class=\"S23B8 S27E S2\" id=\"t29_120\">Germany </span><span class=\"S23B9 S27E S2\" id=\"t2a_120\">39,631 </span><span class=\"S23BA S27E S2\" id=\"t2b_120\">525 </span><span class=\"S23BB S27E S2\" id=\"t2c_120\">84,164 </span><span class=\"S23BC S27E S2\" id=\"t2d_120\">675 </span><span class=\"S23BD S27E S2\" id=\"t2e_120\">Belgium </span><span class=\"S23BE S27E S2\" id=\"t2f_120\">38,855 </span><span class=\"S23BF S27E S2\" id=\"t2g_120\">134 </span><span class=\"S23C0 S27E S2\" id=\"t2h_120\">80,434 </span><span class=\"S23C1 S27E S2\" id=\"t2i_120\">328 </span><span class=\"S23C2 S27E S2\" id=\"t2j_120\">Austria </span><span class=\"S23C3 S27E S2\" id=\"t2k_120\">3,182 </span><span class=\"S23C4 S27E S2\" id=\"t2l_120\">31 </span><span class=\"S23C5 S27E S2\" id=\"t2m_120\">40,426 </span><span class=\"S23C6 S27E S2\" id=\"t2n_120\">201 </span><span class=\"S23C7 S27E S2\" id=\"t2o_120\">Slovakia </span><span class=\"S23C8 S27E S2\" id=\"t2p_120\">121,591 </span><span class=\"S23C9 S27E S2\" id=\"t2q_120\">545 </span><span class=\"S23CA S27E S2\" id=\"t2r_120\">80,117 </span><span class=\"S23CB S27E S2\" id=\"t2s_120\">319 </span><span class=\"S23CC S27E S2\" id=\"t2t_120\">The Netherlands </span><span class=\"S23CD S27E S2\" id=\"t2u_120\">101,078 </span><span class=\"S23CE S27E S2\" id=\"t2v_120\">1,864 </span><span class=\"S23CF S27E S2\" id=\"t2w_120\">36,858 </span><span class=\"S23D0 S27E S2\" id=\"t2x_120\">622 </span><span class=\"S23D1 S27E S2\" id=\"t2y_120\">Switzerland </span><span class=\"S23D2 S27E S2\" id=\"t2z_120\">63,843 </span><span class=\"S23D3 S27E S2\" id=\"t30_120\">3,138 </span><span class=\"S23D4 S27E S2\" id=\"t31_120\">80,611 </span><span class=\"S23D5 S27E S2\" id=\"t32_120\">1,701 </span><span class=\"S23D6 S27E S2\" id=\"t33_120\">United Kingdom </span><span class=\"S23D7 S27E S2\" id=\"t34_120\">13,833 </span><span class=\"S23D8 S27E S2\" id=\"t35_120\">1,336 </span><span class=\"S23D9 S27E S2\" id=\"t36_120\">21,209 </span><span class=\"S23DA S27E S2\" id=\"t37_120\">1,763 </span><span class=\"S23DB S27E S2\" id=\"t38_120\">United States of America </span><span class=\"S23DC S27E S2\" id=\"t39_120\">45,232 </span><span class=\"S23DD S27E S2\" id=\"t3a_120\">205 </span><span class=\"S23DE S27E S2\" id=\"t3b_120\">106,347 </span><span class=\"S23DF S27E S2\" id=\"t3c_120\">419 </span><span class=\"S23E0 S27E S2\" id=\"t3d_120\">Luxembourg </span><span class=\"S23E1 S27E S2\" id=\"t3e_120\">3,477 </span><span class=\"S23E2 S27E S2\" id=\"t3f_120\">1,085 </span><span class=\"S23E3 S27E S2\" id=\"t3g_120\">33,251 </span><span class=\"S23E4 S27E S2\" id=\"t3h_120\">1,271 </span><span class=\"S23E5 S27E S2\" id=\"t3i_120\">Poland </span><span class=\"S23E6 S27E S2\" id=\"t3j_120\">34,012 </span><span class=\"S23E7 S27E S2\" id=\"t3k_120\">987 </span><span class=\"S23E8 S27E S2\" id=\"t3l_120\">19,203 </span><span class=\"S23E9 S27E S2\" id=\"t3m_120\">239 </span><span class=\"S23EA S27E S2\" id=\"t3n_120\">Italy </span><span class=\"S23EB S27E S2\" id=\"t3o_120\">9,330 </span><span class=\"S23EC S27E S2\" id=\"t3p_120\">235 </span><span class=\"S23ED S27E S2\" id=\"t3q_120\">10,558 </span><span class=\"S23EE S27E S2\" id=\"t3r_120\">239 </span><span class=\"S23EF S27E S2\" id=\"t3s_120\">Ireland </span><span class=\"S23F0 S27E S2\" id=\"t3t_120\">5,966 </span><span class=\"S23F1 S27E S2\" id=\"t3u_120\">116 </span><span class=\"S23F2 S27E S2\" id=\"t3v_120\">5,375 </span><span class=\"S23F3 S27E S2\" id=\"t3w_120\">106 </span><span class=\"S23F4 S27E S2\" id=\"t3x_120\">Cyprus </span><span class=\"S23F5 S27E S2\" id=\"t3y_120\">5,311 </span><span class=\"S23F6 S27E S2\" id=\"t3z_120\">217 </span><span class=\"S23F7 S27E S2\" id=\"t40_120\">8,646 </span><span class=\"S23F8 S27E S2\" id=\"t41_120\">562 </span><span class=\"S23F9 S27E S2\" id=\"t42_120\">Denmark </span><span class=\"S23FA S27E S2\" id=\"t43_120\">46 </span><span class=\"S23FB S27E S2\" id=\"t44_120\">7 </span><span class=\"S23FC S27E S2\" id=\"t45_120\">339 </span><span class=\"S23FD S27E S2\" id=\"t46_120\">16 </span><span class=\"S23FE S27E S2\" id=\"t47_120\">Czech Republic </span><span class=\"S23FF S27E S2\" id=\"t48_120\">739 </span><span class=\"S2400 S27E S2\" id=\"t49_120\">10 </span><span class=\"S2401 S27E S2\" id=\"t4a_120\">899 </span><span class=\"S2402 S27E S2\" id=\"t4b_120\">12 </span><span class=\"S2403 S27E S2\" id=\"t4c_120\">Canada </span><span class=\"S2404 S27E S2\" id=\"t4d_120\">74 </span><span class=\"S2405 S27E S2\" id=\"t4e_120\">4 </span><span class=\"S2406 S27E S2\" id=\"t4f_120\">4,823 </span><span class=\"S2407 S27E S2\" id=\"t4g_120\">16 </span><span class=\"S2408 S27E S2\" id=\"t4h_120\">Australia </span><span class=\"S2409 S27E S2\" id=\"t4i_120\">58 </span><span class=\"S240A S27E S2\" id=\"t4j_120\">13 </span><span class=\"S240B S27E S2\" id=\"t4k_120\">3,164 </span><span class=\"S240C S27E S2\" id=\"t4l_120\">10 </span><span class=\"S240D S27E S2\" id=\"t4m_120\">Greece </span><span class=\"S240E S27E S2\" id=\"t4n_120\">999 </span><span class=\"S240F S27E S2\" id=\"t4o_120\">122 </span><span class=\"S2410 S27E S2\" id=\"t4p_120\">1,808 </span><span class=\"S2411 S27E S2\" id=\"t4q_120\">192 </span><span class=\"S2412 S27E S2\" id=\"t4r_120\">Turkey </span><span class=\"S2413 S27E S2\" id=\"t4s_120\">1,418 </span><span class=\"S2414 S27E S2\" id=\"t4t_120\">63 </span><span class=\"S2415 S27E S2\" id=\"t4u_120\">1,810 </span><span class=\"S2416 S27E S2\" id=\"t4v_120\">95 </span><span class=\"S2417 S27E S2\" id=\"t4w_120\">Spain </span><span class=\"S2418 S27E S2\" id=\"t4x_120\">1,164 </span><span class=\"S2419 S27E S2\" id=\"t4y_120\">35 </span><span class=\"S241A S27E S2\" id=\"t4z_120\">1,095 </span><span class=\"S241B S27E S2\" id=\"t50_120\">25 </span><span class=\"S241C S27E S2\" id=\"t51_120\">Israel </span><span class=\"S241D S27E S2\" id=\"t52_120\">937 </span><span class=\"S241E S27E S2\" id=\"t53_120\">13 </span><span class=\"S241F S27E S2\" id=\"t54_120\">1,174 </span><span class=\"S2420 S27E S2\" id=\"t55_120\">15 </span><span class=\"S2421 S27E S2\" id=\"t56_120\">Bosnia and Herzegovina </span><span class=\"S2422 S27E S2\" id=\"t57_120\">673 </span><span class=\"S2423 S27E S2\" id=\"t58_120\">97 </span><span class=\"S2424 S27E S2\" id=\"t59_120\">467 </span><span class=\"S2425 S27E S2\" id=\"t5a_120\">76 </span><span class=\"S2426 S27E S2\" id=\"t5b_120\">Sweden </span><span class=\"S2427 S27E S2\" id=\"t5c_120\">542 </span><span class=\"S2428 S27E S2\" id=\"t5d_120\">30 </span><span class=\"S2429 S27E S2\" id=\"t5e_120\">810 </span><span class=\"S242A S27E S2\" id=\"t5f_120\">63 </span><span class=\"S242B S27E S2\" id=\"t5g_120\">Norway </span><span class=\"S242C S27E S2\" id=\"t5h_120\">107 </span><span class=\"S242D S27E S2\" id=\"t5i_120\">9 </span><span class=\"S242E S27E S2\" id=\"t5j_120\">334 </span><span class=\"S242F S27E S2\" id=\"t5k_120\">23 </span><span class=\"S2430 S27E S2\" id=\"t5l_120\">Saudi Arabia </span><span class=\"S2431 S27E S2\" id=\"t5m_120\">87 </span><span class=\"S2432 S27E S2\" id=\"t5n_120\">70 </span><span class=\"S2433 S27E S2\" id=\"t5o_120\">239 </span><span class=\"S2434 S27E S2\" id=\"t5p_120\">9 </span><span class=\"S2435 S27E S2\" id=\"t5q_120\">United Arab Emirates </span><span class=\"S2436 S27E S2\" id=\"t5r_120\">36 </span><span class=\"S2437 S27E S2\" id=\"t5s_120\">26 </span><span class=\"S2438 S27E S2\" id=\"t5t_120\">532 </span><span class=\"S2439 S27E S2\" id=\"t5u_120\">30 </span><span class=\"S243A S27E S2\" id=\"t5v_120\">Egypt </span><span class=\"S243B S27E S2\" id=\"t5w_120\">726 </span><span class=\"S243C S27E S2\" id=\"t5x_120\">14 </span><span class=\"S243D S27E S2\" id=\"t5y_120\">582 </span><span class=\"S243E S27E S2\" id=\"t5z_120\">15 </span><span class=\"S243F S27E S2\" id=\"t60_120\">Kazakhstan </span><span class=\"S2440 S27E S2\" id=\"t61_120\">224 </span><span class=\"S2441 S27E S2\" id=\"t62_120\">9 </span><span class=\"S2442 S27E S2\" id=\"t63_120\">209 </span><span class=\"S2443 S27E S2\" id=\"t64_120\">15 </span><span class=\"S2444 S27E S2\" id=\"t65_120\">Latvia </span><span class=\"S2445 S27E S2\" id=\"t66_120\">50 </span><span class=\"S2446 S27E S2\" id=\"t67_120\">30 </span><span class=\"S2447 S27E S2\" id=\"t68_120\">46 </span><span class=\"S2448 S27E S2\" id=\"t69_120\">26 </span><span class=\"S2449 S27E S2\" id=\"t6a_120\">Other </span><span class=\"S244A S1F81 S2\" id=\"t6b_120\">1 </span><span class=\"S244B S27E S2\" id=\"t6c_120\">2,877 </span><span class=\"S244C S27E S2\" id=\"t6d_120\">248 </span><span class=\"S244D S27E S2\" id=\"t6e_120\">2,783 </span><span class=\"S244E S27E S2\" id=\"t6f_120\">164 </span><span class=\"S244F S27D S2\" id=\"t6g_120\">Total </span><span class=\"S2450 S27D S2\" id=\"t6h_120\">19,808,870 </span><span class=\"S2451 S27D S2\" id=\"t6i_120\">1,023,569 </span><span class=\"S2452 S27D S2\" id=\"t6j_120\">17,207,005 </span><span class=\"S2453 S27D S2\" id=\"t6k_120\">885,281 </span><span class=\"S2454 S482 S2\" id=\"t6l_120\">1 </span><span class=\"S2455 S483 S2\" id=\"t6m_120\">Other category as at 31 December 2022 mainly includes e.g.: Japan, Macedonia, Portugal, China, Brazil, Lithuania, Republic of South- </span><span class=\"S2456 S483 S2\" id=\"t6n_120\">Africa, Armenia, Belorussia, Tunisia, Iran, Syria, Kosovo and other countries. </span><span class=\"S1E6F SB S2\" id=\"t5_121\">37.1.  Credit risk [continued] </span><span class=\"S2457 SB S2\" id=\"t6_121\">37.1.4.  Loan portfolio by countries [continued] </span><span class=\"S2458 SB S2\" id=\"t7_121\">Country </span><span class=\"SE8E SB S2\" id=\"t8_121\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_121\">2021 </span><span class=\"S2459 SA7 S2\" id=\"ta_121\">Hungary </span><span class=\"S245A SA7 S2\" id=\"tb_121\">1,247,401 </span><span class=\"S245B SA7 S2\" id=\"tc_121\">1,067,830 </span><span class=\"S245C SA7 S2\" id=\"td_121\">Croatia </span><span class=\"SFF9 SA7 S2\" id=\"te_121\">- </span><span class=\"S245D SA7 S2\" id=\"tf_121\">281 </span><span class=\"S245E SA7 S2\" id=\"tg_121\">Others </span><span class=\"S245F SA7 S2\" id=\"th_121\">13 </span><span class=\"S2460 SA7 S2\" id=\"ti_121\">- </span><span class=\"S2461 SB S2\" id=\"tj_121\">Total loans at fair value </span><span class=\"S2462 SB S2\" id=\"tk_121\">1,247,414 </span><span class=\"S2463 SB S2\" id=\"tl_121\">1,068,111 </span><span class=\"S2464 SB S2\" id=\"tm_121\">37.1.5.  Loan portfolio classification by economic activities </span><span class=\"S2465 SB S2\" id=\"tn_121\">Gross loan at amortized cost and finance lease </span><span class=\"S2466 SB S2\" id=\"to_121\">2022 </span><span class=\"S2467 SB S2\" id=\"tp_121\">2021 </span><span class=\"S2468 SB S2\" id=\"tq_121\">receivable portfolio by economic activities </span><span class=\"S2469 SA7 S2\" id=\"tr_121\">Retail </span><span class=\"S246A SA7 S2\" id=\"ts_121\">8,575,020 </span><span class=\"S246B SA7 S2\" id=\"tt_121\">7,826,752 </span><span class=\"S246C SA7 S2\" id=\"tu_121\">Agriculture, forestry and fishing </span><span class=\"S246D SA7 S2\" id=\"tv_121\">752,497 </span><span class=\"S246E SA7 S2\" id=\"tw_121\">610,270 </span><span class=\"S246F SA7 S2\" id=\"tx_121\">Manufacturing, mining and quarrying </span><span class=\"S2470 SA7 S2\" id=\"ty_121\">and other industry </span><span class=\"S2471 SA7 S2\" id=\"tz_121\">2,338,129 </span><span class=\"S2472 SA7 S2\" id=\"t10_121\">1,830,591 </span><span class=\"S2473 SA7 S2\" id=\"t11_121\">Construction </span><span class=\"S2474 SA7 S2\" id=\"t12_121\">734,908 </span><span class=\"S2475 SA7 S2\" id=\"t13_121\">600,945 </span><span class=\"S2476 SA7 S2\" id=\"t14_121\">Wholesale and retail trade, transportation and </span><span class=\"S2477 SA7 S2\" id=\"t15_121\">storage accommodation and food service activities </span><span class=\"S2478 SA7 S2\" id=\"t16_121\">2,948,392 </span><span class=\"S2479 SA7 S2\" id=\"t17_121\">2,525,942 </span><span class=\"S247A SA7 S2\" id=\"t18_121\">Information and communication </span><span class=\"S247B SA7 S2\" id=\"t19_121\">241,809 </span><span class=\"S247C SA7 S2\" id=\"t1a_121\">196,045 </span><span class=\"S247D SA7 S2\" id=\"t1b_121\">Financial and insurance activities </span><span class=\"S247E SA7 S2\" id=\"t1c_121\">354,235 </span><span class=\"S247F SA7 S2\" id=\"t1d_121\">273,817 </span><span class=\"S2480 SA7 S2\" id=\"t1e_121\">Real estate activities </span><span class=\"S2481 SA7 S2\" id=\"t1f_121\">841,069 </span><span class=\"S2482 SA7 S2\" id=\"t1g_121\">568,810 </span><span class=\"S2483 SA7 S2\" id=\"t1h_121\">Professional, scientific, technical, administration </span><span class=\"S2484 SA7 S2\" id=\"t1i_121\">and support service activities </span><span class=\"S2485 SA7 S2\" id=\"t1j_121\">657,055 </span><span class=\"S2486 SA7 S2\" id=\"t1k_121\">437,813 </span><span class=\"S2487 SA7 S2\" id=\"t1l_121\">Public administration, defence, education, </span><span class=\"S2488 SA7 S2\" id=\"t1m_121\">human health and social work activities </span><span class=\"S2489 SA7 S2\" id=\"t1n_121\">494,955 </span><span class=\"S248A SA7 S2\" id=\"t1o_121\">429,290 </span><span class=\"S248B SA7 S2\" id=\"t1p_121\">Other services </span><span class=\"S248C SA7 S2\" id=\"t1q_121\">474,632 </span><span class=\"S248D SA7 S2\" id=\"t1r_121\">257,533 </span><span class=\"S248E SB S2\" id=\"t1s_121\">Total gross loans and finance lease receivable </span><span class=\"S248F SB S2\" id=\"t1t_121\">18,412,701 </span><span class=\"S2490 SB S2\" id=\"t1u_121\">15,557,808 </span><span class=\"S1E6F SB S2\" id=\"t5_122\">37.1.  Credit risk [continued] </span><span class=\"S2492 SB S2\" id=\"t6_122\">37.1.5.  Loan portfolio classification by economic activities [continued] </span><span class=\"S2493 SB S2\" id=\"t7_122\">Loss allowance on loans at amortized cost and </span><span class=\"SE8E SB S2\" id=\"t8_122\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_122\">2021 </span><span class=\"S2494 SB S2\" id=\"ta_122\">finance lease receivable by economic activities </span><span class=\"S2495 SA7 S2\" id=\"tb_122\">Retail </span><span class=\"S2496 SA7 S2\" id=\"tc_122\">633,253 </span><span class=\"S2497 SA7 S2\" id=\"td_122\">599,650 </span><span class=\"S2498 SA7 S2\" id=\"te_122\">Agriculture, forestry and fishing </span><span class=\"S2499 SA7 S2\" id=\"tf_122\">39,200 </span><span class=\"S249A SA7 S2\" id=\"tg_122\">20,118 </span><span class=\"S249B SA7 S2\" id=\"th_122\">Manufacturing, mining and quarrying </span><span class=\"S249C SA7 S2\" id=\"ti_122\">and other industry </span><span class=\"SFFF SA7 S2\" id=\"tj_122\">94,324 </span><span class=\"S249D SA7 S2\" id=\"tk_122\">62,951 </span><span class=\"S249E SA7 S2\" id=\"tl_122\">Construction </span><span class=\"S249F SA7 S2\" id=\"tm_122\">26,040 </span><span class=\"S24A0 SA7 S2\" id=\"tn_122\">22,165 </span><span class=\"S24A1 SA7 S2\" id=\"to_122\">Wholesale and retail trade, transportation and </span><span class=\"S24A2 SA7 S2\" id=\"tp_122\">storage accommodation and food service activities </span><span class=\"S24A3 SA7 S2\" id=\"tq_122\">141,799 </span><span class=\"S24A4 SA7 S2\" id=\"tr_122\">105,934 </span><span class=\"S24A5 SA7 S2\" id=\"ts_122\">Information and communication </span><span class=\"S24A6 SA7 S2\" id=\"tt_122\">6,293 </span><span class=\"S100C SA7 S2\" id=\"tu_122\">5,117 </span><span class=\"S24A7 SA7 S2\" id=\"tv_122\">Financial and insurance activities </span><span class=\"S24A8 SA7 S2\" id=\"tw_122\">12,373 </span><span class=\"S24A9 SA7 S2\" id=\"tx_122\">12,945 </span><span class=\"S24AA SA7 S2\" id=\"ty_122\">Real estate activities </span><span class=\"S24AB SA7 S2\" id=\"tz_122\">29,500 </span><span class=\"S24AC SA7 S2\" id=\"t10_122\">21,363 </span><span class=\"S24AD SA7 S2\" id=\"t11_122\">Professional, scientific, technical, administration </span><span class=\"S24AE SA7 S2\" id=\"t12_122\">and support service activities </span><span class=\"S24AF SA7 S2\" id=\"t13_122\">18,079 </span><span class=\"S24B0 SA7 S2\" id=\"t14_122\">13,464 </span><span class=\"S24B1 SA7 S2\" id=\"t15_122\">Public administration, defence, education, </span><span class=\"S24B2 SA7 S2\" id=\"t16_122\">human health and social work activities </span><span class=\"S24B3 SA7 S2\" id=\"t17_122\">7,783 </span><span class=\"S24B4 SA7 S2\" id=\"t18_122\">4,828 </span><span class=\"S24B5 SA7 S2\" id=\"t19_122\">Other services </span><span class=\"SF57 SA7 S2\" id=\"t1a_122\">10,847 </span><span class=\"SF58 SA7 S2\" id=\"t1b_122\">13,462 </span><span class=\"S24B6 SB S2\" id=\"t1c_122\">Total loss allowance on loans and </span><span class=\"S24B7 SB S2\" id=\"t1d_122\">finance lease receivable </span><span class=\"S24B8 SB S2\" id=\"t1e_122\">1,019,491 </span><span class=\"S24B9 SB S2\" id=\"t1f_122\">881,997 </span><span class=\"S24BA SB S2\" id=\"t1g_122\">37.1.6.  Collateral </span><span class=\"S24BB SA7 S2\" id=\"t1h_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24BC SB S2\" id=\"t1i_122\">total collateral</span><span class=\"S24BD SA7 S2\" id=\"t1j_122\">). The collateral </span><span class=\"S24BE SA7 S2\" id=\"t1k_122\">covers loans as well as off-balance sheet exposures. </span><span class=\"S24BF SB S2\" id=\"t1l_122\">Types of collateral </span><span class=\"S1842 SB S2\" id=\"t1m_122\">2022 </span><span class=\"S1843 SB S2\" id=\"t1n_122\">2021 </span><span class=\"S24C0 SA7 S2\" id=\"t1o_122\">Mortgages </span><span class=\"S24C1 SA7 S2\" id=\"t1p_122\">16,332,892 </span><span class=\"S24C2 SA7 S2\" id=\"t1q_122\">13,367,891 </span><span class=\"S24C3 SA7 S2\" id=\"t1r_122\">Guarantees and warranties </span><span class=\"S24C4 SA7 S2\" id=\"t1s_122\">1,630,318 </span><span class=\"S24C5 SA7 S2\" id=\"t1t_122\">1,296,415 </span><span class=\"S24C6 SA7 S2\" id=\"t1u_122\">Guarantees of state or organizations owned by state </span><span class=\"S24C7 SA7 S2\" id=\"t1v_122\">1,635,382 </span><span class=\"S24C8 SA7 S2\" id=\"t1w_122\">1,070,479 </span><span class=\"S24C9 SA7 S2\" id=\"t1x_122\">Assignments (revenue or other receivables) </span><span class=\"S24CA SA7 S2\" id=\"t1y_122\">423,098 </span><span class=\"S24CB SA7 S2\" id=\"t1z_122\">422,030 </span><span class=\"S24CC SA7 S2\" id=\"t20_122\">Securities </span><span class=\"S24CD SA7 S2\" id=\"t21_122\">168,941 </span><span class=\"S24CE SA7 S2\" id=\"t22_122\">237,076 </span><span class=\"S24CF SA7 S2\" id=\"t23_122\">Cash deposits </span><span class=\"S24D0 SA7 S2\" id=\"t24_122\">208,487 </span><span class=\"S24D1 SA7 S2\" id=\"t25_122\">187,934 </span><span class=\"S24D2 SA7 S2\" id=\"t26_122\">Other </span><span class=\"S24D3 SA7 S2\" id=\"t27_122\">1,758,802 </span><span class=\"S24D4 SA7 S2\" id=\"t28_122\">2,211,671 </span><span class=\"S24D5 SB S2\" id=\"t29_122\">Total </span><span class=\"S24D6 SB S2\" id=\"t2a_122\">22,157,920 </span><span class=\"S24D7 SB S2\" id=\"t2b_122\">18,793,496 </span><span class=\"S24D8 SA7 S2\" id=\"t2c_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24D9 SB S2\" id=\"t2d_122\">to the extent of the exposures</span><span class=\"S24DA SA7 S2\" id=\"t2e_122\">). </span><span class=\"S24DB SA7 S2\" id=\"t2f_122\">The collaterals cover loans as well as off-balance sheet exposures. </span><span class=\"S24DC SB S2\" id=\"t2g_122\">Types of collateral </span><span class=\"S24DD SB S2\" id=\"t2h_122\">2022 </span><span class=\"S24DE SB S2\" id=\"t2i_122\">2021 </span><span class=\"S24DF SA7 S2\" id=\"t2j_122\">Mortgages </span><span class=\"S24E0 SA7 S2\" id=\"t2k_122\">8,044,836 </span><span class=\"S24E1 SA7 S2\" id=\"t2l_122\">6,479,871 </span><span class=\"S24E2 SA7 S2\" id=\"t2m_122\">Guarantees of state or organizations owned by state </span><span class=\"S24E3 SA7 S2\" id=\"t2n_122\">1,241,702 </span><span class=\"S24E4 SA7 S2\" id=\"t2o_122\">832,432 </span><span class=\"S24E5 SA7 S2\" id=\"t2p_122\">Guarantees and warranties </span><span class=\"S24E6 SA7 S2\" id=\"t2q_122\">1,016,672 </span><span class=\"S24E7 SA7 S2\" id=\"t2r_122\">799,775 </span><span class=\"S24E8 SA7 S2\" id=\"t2s_122\">Assignments (revenue or other receivables) </span><span class=\"S24E9 SA7 S2\" id=\"t2t_122\">220,062 </span><span class=\"S24EA SA7 S2\" id=\"t2u_122\">290,066 </span><span class=\"S24EB SA7 S2\" id=\"t2v_122\">Securities </span><span class=\"S24EC SA7 S2\" id=\"t2w_122\">99,345 </span><span class=\"S24ED SA7 S2\" id=\"t2x_122\">156,715 </span><span class=\"S24EE SA7 S2\" id=\"t2y_122\">Cash deposits </span><span class=\"S24EF SA7 S2\" id=\"t2z_122\">80,313 </span><span class=\"S24F0 SA7 S2\" id=\"t30_122\">76,338 </span><span class=\"S24F1 SA7 S2\" id=\"t31_122\">Other </span><span class=\"S24F2 SA7 S2\" id=\"t32_122\">752,241 </span><span class=\"S24F3 SA7 S2\" id=\"t33_122\">1,295,740 </span><span class=\"S24F4 SB S2\" id=\"t34_122\">Total </span><span class=\"S24F5 SB S2\" id=\"t35_122\">11,455,171 </span><span class=\"S24F6 SB S2\" id=\"t36_122\">9,930,937 </span><span class=\"S1E6F SB S2\" id=\"t5_123\">37.1.  Credit risk [continued] </span><span class=\"S24F7 SB S2\" id=\"t6_123\">37.1.6.  Collateral [continued] </span><span class=\"S24F8 SA7 S2\" id=\"t7_123\">The coverage level of the loan portfolio (total collateral) increased by 2.22 pps and the coverage level to the extent </span><span class=\"S746 SA7 S2\" id=\"t8_123\">of the exposures also increased by 0.06 pps as at 31 December 2022. </span><span class=\"S8B0 SA7 S2\" id=\"t9_123\">The values of collateral given and held by the Group according to which financial asset is recognized as collateral </span><span class=\"S24F9 SA7 S2\" id=\"ta_123\">are as follows: </span><span class=\"S24FA SB S2\" id=\"tb_123\">Financial assets as collaterals recognized in the </span><span class=\"S24FB SB S2\" id=\"tc_123\">2022 </span><span class=\"S24FC SB S2\" id=\"td_123\">2021 </span><span class=\"S24FD SB S2\" id=\"te_123\">consolidated statement of financial position </span><span class=\"S24FE SA7 S2\" id=\"tf_123\">Cash, amounts due from banks and balances </span><span class=\"S24FF SA7 S2\" id=\"tg_123\">with the National Banks </span><span class=\"S2500 SA7 S2\" id=\"th_123\">87,916 </span><span class=\"S2501 SA7 S2\" id=\"ti_123\">15,791 </span><span class=\"S2502 SA7 S2\" id=\"tj_123\">Placements with other banks </span><span class=\"S2503 SA7 S2\" id=\"tk_123\">11,313 </span><span class=\"S2504 SA7 S2\" id=\"tl_123\">9,590 </span><span class=\"S2505 SA7 S2\" id=\"tm_123\">Repo receivables </span><span class=\"S2506 SA7 S2\" id=\"tn_123\">13,253 </span><span class=\"S2507 SA7 S2\" id=\"to_123\">35,826 </span><span class=\"S2508 SA7 S2\" id=\"tp_123\">Securities at fair value through other comprehensive income </span><span class=\"S2509 SA7 S2\" id=\"tq_123\">- </span><span class=\"S250A SA7 S2\" id=\"tr_123\">16,546 </span><span class=\"S250B SA7 S2\" id=\"ts_123\">Securities at amortized cost </span><span class=\"S250C SA7 S2\" id=\"tt_123\">91,991 </span><span class=\"S250D SA7 S2\" id=\"tu_123\">42,233 </span><span class=\"S250E SA7 S2\" id=\"tv_123\">Loans at amortized cost </span><span class=\"S250F SA7 S2\" id=\"tw_123\">1,099,311 </span><span class=\"S2510 SA7 S2\" id=\"tx_123\">1,089,614 </span><span class=\"S2511 SA7 S2\" id=\"ty_123\">Finance lease receivables </span><span class=\"S2512 SA7 S2\" id=\"tz_123\">32,553 </span><span class=\"S2513 SA7 S2\" id=\"t10_123\">32,553 </span><span class=\"S2514 SB S2\" id=\"t11_123\">Total </span><span class=\"S2515 SB S2\" id=\"t12_123\">1,336,337 </span><span class=\"S2516 SB S2\" id=\"t13_123\">1,242,153 </span><span class=\"S2517 SB S2\" id=\"t14_123\">37.1.7.  Restructured loans </span><span class=\"S2518 SB S2\" id=\"t15_123\">2022 </span><span class=\"S2519 SB S2\" id=\"t16_123\">2021 </span><span class=\"S251A SB S2\" id=\"t17_123\">Gross </span><span class=\"S251B SB S2\" id=\"t18_123\">portfolio </span><span class=\"S251C SB S2\" id=\"t19_123\">Loss </span><span class=\"S251D SB S2\" id=\"t1a_123\">allowance </span><span class=\"S251E SB S2\" id=\"t1b_123\">Gross </span><span class=\"S251F SB S2\" id=\"t1c_123\">portfolio </span><span class=\"S2520 SB S2\" id=\"t1d_123\">Loss </span><span class=\"S2521 SB S2\" id=\"t1e_123\">allowance </span><span class=\"S2522 SA7 S2\" id=\"t1f_123\">Retail mortgage loans </span><span class=\"S2523 SA7 S2\" id=\"t1g_123\">89,167 </span><span class=\"S2524 SA7 S2\" id=\"t1h_123\">(5,803) </span><span class=\"S2525 SA7 S2\" id=\"t1i_123\">269,700 </span><span class=\"S2526 SA7 S2\" id=\"t1j_123\">(8,779) </span><span class=\"S2527 SA7 S2\" id=\"t1k_123\">Loans to medium and large corporations </span><span class=\"S2528 SA7 S2\" id=\"t1l_123\">403,643 </span><span class=\"S2529 SA7 S2\" id=\"t1m_123\">(59,453) </span><span class=\"S252A SA7 S2\" id=\"t1n_123\">276,796 </span><span class=\"S252B SA7 S2\" id=\"t1o_123\">(44,197) </span><span class=\"S252C SA7 S2\" id=\"t1p_123\">Retail consumer loans </span><span class=\"S252D SA7 S2\" id=\"t1q_123\">64,268 </span><span class=\"S252E SA7 S2\" id=\"t1r_123\">(21,346) </span><span class=\"S252F SA7 S2\" id=\"t1s_123\">149,469 </span><span class=\"S2530 SA7 S2\" id=\"t1t_123\">(32,850) </span><span class=\"S2531 SA7 S2\" id=\"t1u_123\">Loans to micro and small enterprises </span><span class=\"S2532 SA7 S2\" id=\"t1v_123\">59,096 </span><span class=\"S2533 SA7 S2\" id=\"t1w_123\">(4,750) </span><span class=\"S2534 SA7 S2\" id=\"t1x_123\">57,403 </span><span class=\"S2535 SA7 S2\" id=\"t1y_123\">(7,668) </span><span class=\"S2536 SA7 S2\" id=\"t1z_123\">Municipal </span><span class=\"S2537 SA7 S2\" id=\"t20_123\">- </span><span class=\"S2538 SA7 S2\" id=\"t21_123\">- </span><span class=\"S2539 SA7 S2\" id=\"t22_123\">75 </span><span class=\"S253A SA7 S2\" id=\"t23_123\">(8) </span><span class=\"S253B SA7 S2\" id=\"t24_123\">Other loans </span><span class=\"S253C SA7 S2\" id=\"t25_123\">3,417 </span><span class=\"S253D SA7 S2\" id=\"t26_123\">(1,361) </span><span class=\"S253E SA7 S2\" id=\"t27_123\">27,092 </span><span class=\"S253F SA7 S2\" id=\"t28_123\">(2,555) </span><span class=\"S2540 SB S2\" id=\"t29_123\">Total </span><span class=\"S2541 SB S2\" id=\"t2a_123\">619,591 </span><span class=\"S2542 SB S2\" id=\"t2b_123\">(92,713) </span><span class=\"S2543 SB S2\" id=\"t2c_123\">780,535 </span><span class=\"S2544 SB S2\" id=\"t2d_123\">(96,057) </span><span class=\"SA12 SA7 S2\" id=\"t2e_123\">The forborne definition used by the Group is based on EU 2015/227 regulation. </span><span class=\"S2545 SA7 S2\" id=\"t2f_123\">Restructuring (forbearance) is a modification of the contract </span><span class=\"S2546 S5B9 S2\" id=\"t2g_123\">\u2013 </span><span class=\"S2547 SA7 S2\" id=\"t2h_123\">initiated by either the client or the bank </span><span class=\"S2548 S5B9 S2\" id=\"t2i_123\">\u2013 </span><span class=\"S2549 SA7 S2\" id=\"t2j_123\">that </span><span class=\"S254A SA7 S2\" id=\"t2k_123\">provides a concession or </span><span class=\"S254B S5B9 S2\" id=\"t2l_123\">allowance towards the client in respect to the client\u2019s current or future financial </span><span class=\"S254C SA7 S2\" id=\"t2m_123\">difficulties. The table of restructured loans contains exposures classified as performing forborne. An exposure is </span><span class=\"S254D SA7 S2\" id=\"t2n_123\">considered performing forborne if the conditions of the non-performing status are not met at the time of the </span><span class=\"S254E SA7 S2\" id=\"t2o_123\">restructuring, or the exposure fulfilled the requirements of the minimum one-year cure period as non-performing </span><span class=\"S254F SA7 S2\" id=\"t2p_123\">forborne. </span><span class=\"S2550 SA7 S2\" id=\"t2q_123\">The loan volume of Hungarian entities classified as performing forborne exclusively due to moratoria participation </span><span class=\"S2551 SA7 S2\" id=\"t2r_123\">decreased significantly due the expiration of the probation period for retail exposures (a total decrease of HUF 320 </span><span class=\"S2552 SA7 S2\" id=\"t2s_123\">billion). This was partially offset by the increased volume of forborne exposures in Ukraine and Russia (a total </span><span class=\"S2553 SA7 S2\" id=\"t2t_123\">increase of HUF 132 billion). </span><span class=\"S1E99 SB S2\" id=\"t5_124\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_124\">37.1.8. </span><span class=\"S2554 S603 S2\" id=\"t7_124\">Financial instruments by Moody\u2019s rating categories </span><span class=\"S2555 SB S2\" id=\"t8_124\">Securities held for trading as at fair value through profit or loss </span><span class=\"S2556 S2669 S2\" id=\"t9_124\">2022 </span><span class=\"S2557 S2669 S2\" id=\"ta_124\">Aaa </span><span class=\"S2558 S2669 S2\" id=\"tb_124\">Aa2 </span><span class=\"S2559 S2669 S2\" id=\"tc_124\">Aa3 </span><span class=\"S255A S2669 S2\" id=\"td_124\">A1 </span><span class=\"S255B S2669 S2\" id=\"te_124\">A2 </span><span class=\"S255C S2669 S2\" id=\"tf_124\">A3 </span><span class=\"S255D S2669 S2\" id=\"tg_124\">Baa1 </span><span class=\"S255E S2669 S2\" id=\"th_124\">Baa2 </span><span class=\"S255F S2669 S2\" id=\"ti_124\">Baa3 </span><span class=\"S2560 S2669 S2\" id=\"tj_124\">Ba1 </span><span class=\"S2561 S2669 S2\" id=\"tk_124\">Ba2 </span><span class=\"S2562 S2669 S2\" id=\"tl_124\">Ba3 </span><span class=\"S2563 S2669 S2\" id=\"tm_124\">N/A </span><span class=\"S2564 S2669 S2\" id=\"tn_124\">Total </span><span class=\"S2565 S266A S2\" id=\"to_124\">Government bonds </span><span class=\"S2566 S266A S2\" id=\"tp_124\">346 </span><span class=\"S2567 S266A S2\" id=\"tq_124\">- </span><span class=\"S2568 S266A S2\" id=\"tr_124\">- </span><span class=\"S2569 S266A S2\" id=\"ts_124\">- </span><span class=\"S256A S266A S2\" id=\"tt_124\">197 </span><span class=\"S256B S266A S2\" id=\"tu_124\">- </span><span class=\"S256C S266A S2\" id=\"tv_124\">9,850 </span><span class=\"S256D S266A S2\" id=\"tw_124\">63,992 </span><span class=\"S256E S266A S2\" id=\"tx_124\">843 </span><span class=\"S256F S266A S2\" id=\"ty_124\">- </span><span class=\"S2570 S266A S2\" id=\"tz_124\">3,669 </span><span class=\"S2571 S266A S2\" id=\"t10_124\">- </span><span class=\"S2572 S266A S2\" id=\"t11_124\">- </span><span class=\"S2573 S2669 S2\" id=\"t12_124\">78,897 </span><span class=\"S2574 S266A S2\" id=\"t13_124\">Equity instruments </span><span class=\"S2575 S266A S2\" id=\"t14_124\">and fund units </span><span class=\"S2576 S266A S2\" id=\"t15_124\">- </span><span class=\"S2577 S266A S2\" id=\"t16_124\">- </span><span class=\"S2578 S266A S2\" id=\"t17_124\">20 </span><span class=\"S2579 S266A S2\" id=\"t18_124\">42 </span><span class=\"S257A S266A S2\" id=\"t19_124\">47 </span><span class=\"S257B S266A S2\" id=\"t1a_124\">29 </span><span class=\"S257C S266A S2\" id=\"t1b_124\">15 </span><span class=\"S257D S266A S2\" id=\"t1c_124\">24 </span><span class=\"S257E S266A S2\" id=\"t1d_124\">- </span><span class=\"S257F S266A S2\" id=\"t1e_124\">39 </span><span class=\"S2580 S266A S2\" id=\"t1f_124\">2 </span><span class=\"S2581 S266A S2\" id=\"t1g_124\">4 </span><span class=\"S2582 S266A S2\" id=\"t1h_124\">163 </span><span class=\"S2583 S2669 S2\" id=\"t1i_124\">385 </span><span class=\"S2584 S266A S2\" id=\"t1j_124\">Corporate bonds </span><span class=\"S2585 S266A S2\" id=\"t1k_124\">- </span><span class=\"S2586 S266A S2\" id=\"t1l_124\">- </span><span class=\"S2587 S266A S2\" id=\"t1m_124\">- </span><span class=\"S2588 S266A S2\" id=\"t1n_124\">- </span><span class=\"S2589 S266A S2\" id=\"t1o_124\">- </span><span class=\"S258A S266A S2\" id=\"t1p_124\">- </span><span class=\"S258B S266A S2\" id=\"t1q_124\">- </span><span class=\"S258C S266A S2\" id=\"t1r_124\">- </span><span class=\"S258D S266A S2\" id=\"t1s_124\">116 </span><span class=\"S258E S266A S2\" id=\"t1t_124\">- </span><span class=\"S258F S266A S2\" id=\"t1u_124\">- </span><span class=\"S2590 S266A S2\" id=\"t1v_124\">- </span><span class=\"S2591 S266A S2\" id=\"t1w_124\">3 </span><span class=\"S2592 S2669 S2\" id=\"t1x_124\">119 </span><span class=\"S2593 S266A S2\" id=\"t1y_124\">Discounted Treasury bills </span><span class=\"S2594 S266A S2\" id=\"t1z_124\">- </span><span class=\"S2595 S266A S2\" id=\"t20_124\">- </span><span class=\"S2596 S266A S2\" id=\"t21_124\">- </span><span class=\"S2597 S266A S2\" id=\"t22_124\">- </span><span class=\"S2598 S266A S2\" id=\"t23_124\">- </span><span class=\"S2599 S266A S2\" id=\"t24_124\">- </span><span class=\"S259A S266A S2\" id=\"t25_124\">- </span><span class=\"S259B S266A S2\" id=\"t26_124\">22,865 </span><span class=\"S259C S266A S2\" id=\"t27_124\">- </span><span class=\"S259D S266A S2\" id=\"t28_124\">- </span><span class=\"S259E S266A S2\" id=\"t29_124\">- </span><span class=\"S259F S266A S2\" id=\"t2a_124\">- </span><span class=\"S25A0 S266A S2\" id=\"t2b_124\">31 </span><span class=\"S25A1 S2669 S2\" id=\"t2c_124\">22,896 </span><span class=\"S25A2 S266A S2\" id=\"t2d_124\">Mortgage bonds </span><span class=\"S25A3 S266A S2\" id=\"t2e_124\">- </span><span class=\"S25A4 S266A S2\" id=\"t2f_124\">- </span><span class=\"S25A5 S266A S2\" id=\"t2g_124\">- </span><span class=\"S25A6 S266A S2\" id=\"t2h_124\">- </span><span class=\"S25A7 S266A S2\" id=\"t2i_124\">- </span><span class=\"S25A8 S266A S2\" id=\"t2j_124\">- </span><span class=\"S25A9 S266A S2\" id=\"t2k_124\">- </span><span class=\"S25AA S266A S2\" id=\"t2l_124\">- </span><span class=\"S25AB S266A S2\" id=\"t2m_124\">- </span><span class=\"S25AC S266A S2\" id=\"t2n_124\">- </span><span class=\"S25AD S266A S2\" id=\"t2o_124\">- </span><span class=\"S25AE S266A S2\" id=\"t2p_124\">- </span><span class=\"S25AF S266A S2\" id=\"t2q_124\">72 </span><span class=\"S25B0 S2669 S2\" id=\"t2r_124\">72 </span><span class=\"S25B1 S266A S2\" id=\"t2s_124\">Other interest </span><span class=\"S25B2 S266A S2\" id=\"t2t_124\">bearing securities </span><span class=\"S25B3 S266A S2\" id=\"t2u_124\">- </span><span class=\"S25B4 S266A S2\" id=\"t2v_124\">1 </span><span class=\"S25B5 S266A S2\" id=\"t2w_124\">- </span><span class=\"S25B6 S266A S2\" id=\"t2x_124\">- </span><span class=\"S25B7 S266A S2\" id=\"t2y_124\">- </span><span class=\"S25B8 S266A S2\" id=\"t2z_124\">- </span><span class=\"S25B9 S266A S2\" id=\"t30_124\">- </span><span class=\"S25BA S266A S2\" id=\"t31_124\">1,627 </span><span class=\"S25BB S266A S2\" id=\"t32_124\">- </span><span class=\"S25BC S266A S2\" id=\"t33_124\">- </span><span class=\"S25BD S266A S2\" id=\"t34_124\">- </span><span class=\"S25BE S266A S2\" id=\"t35_124\">- </span><span class=\"S25BF S266A S2\" id=\"t36_124\">- </span><span class=\"S25C0 S2669 S2\" id=\"t37_124\">1,628 </span><span class=\"S25C1 S266A S2\" id=\"t38_124\">Other non-interest </span><span class=\"S25C2 S266A S2\" id=\"t39_124\">bearing securities </span><span class=\"S25C3 S266A S2\" id=\"t3a_124\">479 </span><span class=\"S25C4 S266A S2\" id=\"t3b_124\">- </span><span class=\"S25C5 S266A S2\" id=\"t3c_124\">- </span><span class=\"S25C6 S266A S2\" id=\"t3d_124\">- </span><span class=\"S25C7 S266A S2\" id=\"t3e_124\">- </span><span class=\"S25C8 S266A S2\" id=\"t3f_124\">- </span><span class=\"S25C9 S266A S2\" id=\"t3g_124\">- </span><span class=\"S25CA S266A S2\" id=\"t3h_124\">- </span><span class=\"S25CB S266A S2\" id=\"t3i_124\">- </span><span class=\"S25CC S266A S2\" id=\"t3j_124\">- </span><span class=\"S25CD S266A S2\" id=\"t3k_124\">- </span><span class=\"S25CE S266A S2\" id=\"t3l_124\">- </span><span class=\"S25CF S266A S2\" id=\"t3m_124\">274 </span><span class=\"S25D0 S2669 S2\" id=\"t3n_124\">753 </span><span class=\"S25D1 S2669 S2\" id=\"t3o_124\">Total </span><span class=\"S25D2 S2669 S2\" id=\"t3p_124\">825 </span><span class=\"S25D3 S2669 S2\" id=\"t3q_124\">1 </span><span class=\"S25D4 S2669 S2\" id=\"t3r_124\">20 </span><span class=\"S25D5 S2669 S2\" id=\"t3s_124\">42 </span><span class=\"S25D6 S2669 S2\" id=\"t3t_124\">244 </span><span class=\"S25D7 S2669 S2\" id=\"t3u_124\">29 </span><span class=\"S25D8 S2669 S2\" id=\"t3v_124\">9,865 </span><span class=\"S25D9 S2669 S2\" id=\"t3w_124\">88,508 </span><span class=\"S25DA S2669 S2\" id=\"t3x_124\">959 </span><span class=\"S25DB S2669 S2\" id=\"t3y_124\">39 </span><span class=\"S25DC S2669 S2\" id=\"t3z_124\">3,671 </span><span class=\"S25DD S2669 S2\" id=\"t40_124\">4 </span><span class=\"S25DE S2669 S2\" id=\"t41_124\">543 </span><span class=\"S25DF S2669 S2\" id=\"t42_124\">104,750 </span><span class=\"S25E0 S2669 S2\" id=\"t43_124\">2021 </span><span class=\"S25E1 S2669 S2\" id=\"t44_124\">Aaa </span><span class=\"S25E2 S2669 S2\" id=\"t45_124\">Aa3 </span><span class=\"S25E3 S2669 S2\" id=\"t46_124\">A1 </span><span class=\"S25E4 S2669 S2\" id=\"t47_124\">A2 </span><span class=\"S25E5 S2669 S2\" id=\"t48_124\">A3 </span><span class=\"S25E6 S2669 S2\" id=\"t49_124\">Baa1 </span><span class=\"S25E7 S2669 S2\" id=\"t4a_124\">Baa2 </span><span class=\"S25E8 S2669 S2\" id=\"t4b_124\">Baa3 </span><span class=\"S25E9 S2669 S2\" id=\"t4c_124\">Ba1 </span><span class=\"S25EA S2669 S2\" id=\"t4d_124\">Ba2 </span><span class=\"S25EB S2669 S2\" id=\"t4e_124\">B1 </span><span class=\"S25EC S2669 S2\" id=\"t4f_124\">B3 </span><span class=\"S25ED S2669 S2\" id=\"t4g_124\">N/A </span><span class=\"S25EE S2669 S2\" id=\"t4h_124\">Total </span><span class=\"S25EF S266A S2\" id=\"t4i_124\">Government bonds </span><span class=\"S25F0 S266A S2\" id=\"t4j_124\">- </span><span class=\"S25F1 S266A S2\" id=\"t4k_124\">- </span><span class=\"S25F2 S266A S2\" id=\"t4l_124\">- </span><span class=\"S25F3 S266A S2\" id=\"t4m_124\">16 </span><span class=\"S25F4 S266A S2\" id=\"t4n_124\">- </span><span class=\"S25F5 S266A S2\" id=\"t4o_124\">18,747 </span><span class=\"S25F6 S266A S2\" id=\"t4p_124\">26,024 </span><span class=\"S25F7 S266A S2\" id=\"t4q_124\">11,282 </span><span class=\"S25F8 S266A S2\" id=\"t4r_124\">10,156 </span><span class=\"S25F9 S266A S2\" id=\"t4s_124\">31,306 </span><span class=\"S25FA S266A S2\" id=\"t4t_124\">- </span><span class=\"S25FB S266A S2\" id=\"t4u_124\">- </span><span class=\"S25FC S266A S2\" id=\"t4v_124\">- </span><span class=\"S25FD S2669 S2\" id=\"t4w_124\">97,531 </span><span class=\"S25FE S266A S2\" id=\"t4x_124\">Equity instruments </span><span class=\"S25FF S266A S2\" id=\"t4y_124\">and fund units </span><span class=\"S2600 S266A S2\" id=\"t4z_124\">569 </span><span class=\"S2601 S266A S2\" id=\"t50_124\">19 </span><span class=\"S2602 S266A S2\" id=\"t51_124\">49 </span><span class=\"S2603 S266A S2\" id=\"t52_124\">59 </span><span class=\"S2604 S266A S2\" id=\"t53_124\">35 </span><span class=\"S2605 S266A S2\" id=\"t54_124\">12 </span><span class=\"S2606 S266A S2\" id=\"t55_124\">24 </span><span class=\"S2607 S266A S2\" id=\"t56_124\">83 </span><span class=\"S2608 S266A S2\" id=\"t57_124\">- </span><span class=\"S2609 S266A S2\" id=\"t58_124\">2 </span><span class=\"S260A S266A S2\" id=\"t59_124\">6 </span><span class=\"S260B S266A S2\" id=\"t5a_124\">- </span><span class=\"S260C S266A S2\" id=\"t5b_124\">315 </span><span class=\"S260D S2669 S2\" id=\"t5c_124\">1,173 </span><span class=\"S260E S266A S2\" id=\"t5d_124\">Corporate bonds </span><span class=\"S260F S266A S2\" id=\"t5e_124\">- </span><span class=\"S2610 S266A S2\" id=\"t5f_124\">- </span><span class=\"S2611 S266A S2\" id=\"t5g_124\">- </span><span class=\"S2612 S266A S2\" id=\"t5h_124\">- </span><span class=\"S2613 S266A S2\" id=\"t5i_124\">485 </span><span class=\"S2614 S266A S2\" id=\"t5j_124\">- </span><span class=\"S2615 S266A S2\" id=\"t5k_124\">- </span><span class=\"S2616 S266A S2\" id=\"t5l_124\">97 </span><span class=\"S2617 S266A S2\" id=\"t5m_124\">- </span><span class=\"S2618 S266A S2\" id=\"t5n_124\">- </span><span class=\"S2619 S266A S2\" id=\"t5o_124\">- </span><span class=\"S261A S266A S2\" id=\"t5p_124\">- </span><span class=\"S261B S266A S2\" id=\"t5q_124\">158 </span><span class=\"S261C S2669 S2\" id=\"t5r_124\">740 </span><span class=\"S261D S266A S2\" id=\"t5s_124\">Discounted Treasury bills </span><span class=\"S261E S266A S2\" id=\"t5t_124\">- </span><span class=\"S261F S266A S2\" id=\"t5u_124\">- </span><span class=\"S2620 S266A S2\" id=\"t5v_124\">- </span><span class=\"S2621 S266A S2\" id=\"t5w_124\">- </span><span class=\"S2622 S266A S2\" id=\"t5x_124\">- </span><span class=\"S2623 S266A S2\" id=\"t5y_124\">- </span><span class=\"S2624 S266A S2\" id=\"t5z_124\">869 </span><span class=\"S2625 S266A S2\" id=\"t60_124\">- </span><span class=\"S2626 S266A S2\" id=\"t61_124\">- </span><span class=\"S2627 S266A S2\" id=\"t62_124\">- </span><span class=\"S2628 S266A S2\" id=\"t63_124\">- </span><span class=\"S2629 S266A S2\" id=\"t64_124\">54 </span><span class=\"S262A S266A S2\" id=\"t65_124\">- </span><span class=\"S262B S2669 S2\" id=\"t66_124\">923 </span><span class=\"S262C S266A S2\" id=\"t67_124\">Mortgage bonds </span><span class=\"S262D S266A S2\" id=\"t68_124\">- </span><span class=\"S262E S266A S2\" id=\"t69_124\">- </span><span class=\"S262F S266A S2\" id=\"t6a_124\">- </span><span class=\"S2630 S266A S2\" id=\"t6b_124\">- </span><span class=\"S2631 S266A S2\" id=\"t6c_124\">- </span><span class=\"S2632 S266A S2\" id=\"t6d_124\">- </span><span class=\"S2633 S266A S2\" id=\"t6e_124\">- </span><span class=\"S2634 S266A S2\" id=\"t6f_124\">- </span><span class=\"S2635 S266A S2\" id=\"t6g_124\">- </span><span class=\"S2636 S266A S2\" id=\"t6h_124\">- </span><span class=\"S2637 S266A S2\" id=\"t6i_124\">- </span><span class=\"S2638 S266A S2\" id=\"t6j_124\">101 </span><span class=\"S2639 S2669 S2\" id=\"t6k_124\">101 </span><span class=\"S263A S266A S2\" id=\"t6l_124\">Other interest </span><span class=\"S263B S266A S2\" id=\"t6m_124\">bearing securities </span><span class=\"S263C S266A S2\" id=\"t6n_124\">- </span><span class=\"S263D S266A S2\" id=\"t6o_124\">- </span><span class=\"S263E S266A S2\" id=\"t6p_124\">- </span><span class=\"S263F S266A S2\" id=\"t6q_124\">- </span><span class=\"S2640 S266A S2\" id=\"t6r_124\">- </span><span class=\"S2641 S266A S2\" id=\"t6s_124\">- </span><span class=\"S2642 S266A S2\" id=\"t6t_124\">1,347 </span><span class=\"S2643 S266A S2\" id=\"t6u_124\">- </span><span class=\"S2644 S266A S2\" id=\"t6v_124\">- </span><span class=\"S2645 S266A S2\" id=\"t6w_124\">- </span><span class=\"S2646 S266A S2\" id=\"t6x_124\">- </span><span class=\"S2647 S266A S2\" id=\"t6y_124\">- </span><span class=\"S2648 S266A S2\" id=\"t6z_124\">- </span><span class=\"S2649 S2669 S2\" id=\"t70_124\">1,347 </span><span class=\"S264A S266A S2\" id=\"t71_124\">Other non-interest </span><span class=\"S264B S266A S2\" id=\"t72_124\">bearing securities </span><span class=\"S264C S266A S2\" id=\"t73_124\">561 </span><span class=\"S264D S266A S2\" id=\"t74_124\">- </span><span class=\"S264E S266A S2\" id=\"t75_124\">- </span><span class=\"S264F S266A S2\" id=\"t76_124\">- </span><span class=\"S2650 S266A S2\" id=\"t77_124\">- </span><span class=\"S2651 S266A S2\" id=\"t78_124\">- </span><span class=\"S2652 S266A S2\" id=\"t79_124\">- </span><span class=\"S2653 S266A S2\" id=\"t7a_124\">- </span><span class=\"S2654 S266A S2\" id=\"t7b_124\">- </span><span class=\"S2655 S266A S2\" id=\"t7c_124\">- </span><span class=\"S2656 S266A S2\" id=\"t7d_124\">- </span><span class=\"S2657 S266A S2\" id=\"t7e_124\">- </span><span class=\"S2658 S266A S2\" id=\"t7f_124\">1,134 </span><span class=\"S2659 S2669 S2\" id=\"t7g_124\">1,695 </span><span class=\"S265A S2669 S2\" id=\"t7h_124\">Total </span><span class=\"S265B S2669 S2\" id=\"t7i_124\">1,130 </span><span class=\"S265C S2669 S2\" id=\"t7j_124\">19 </span><span class=\"S265D S2669 S2\" id=\"t7k_124\">49 </span><span class=\"S265E S2669 S2\" id=\"t7l_124\">75 </span><span class=\"S265F S2669 S2\" id=\"t7m_124\">520 </span><span class=\"S2660 S2669 S2\" id=\"t7n_124\">18,759 </span><span class=\"S2661 S2669 S2\" id=\"t7o_124\">28,264 </span><span class=\"S2662 S2669 S2\" id=\"t7p_124\">11,462 </span><span class=\"S2663 S2669 S2\" id=\"t7q_124\">10,156 </span><span class=\"S2664 S2669 S2\" id=\"t7r_124\">31,308 </span><span class=\"S2665 S2669 S2\" id=\"t7s_124\">6 </span><span class=\"S2666 S2669 S2\" id=\"t7t_124\">54 </span><span class=\"S2667 S2669 S2\" id=\"t7u_124\">1,708 </span><span class=\"S2668 S2669 S2\" id=\"t7v_124\">103,510 </span><span class=\"S1E99 SB S2\" id=\"t5_125\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_125\">37.1.8. </span><span class=\"S266B S603 S2\" id=\"t7_125\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S266C SB S2\" id=\"t8_125\">Non-trading securities mandatorily at fair value through profit or loss </span><span class=\"S266D SB S2\" id=\"t9_125\">2022 </span><span class=\"S266E SB S2\" id=\"ta_125\">Aaa </span><span class=\"S266F SB S2\" id=\"tb_125\">Aa3 </span><span class=\"S2670 SB S2\" id=\"tc_125\">A3 </span><span class=\"S2671 SB S2\" id=\"td_125\">Baa2 </span><span class=\"S2672 SB S2\" id=\"te_125\">Baa3 </span><span class=\"S2673 SB S2\" id=\"tf_125\">N/A </span><span class=\"S2674 SB S2\" id=\"tg_125\">Total </span><span class=\"S2675 SA7 S2\" id=\"th_125\">Non-trading equity instruments mandatorily at </span><span class=\"S2676 SA7 S2\" id=\"ti_125\">fair value through profit or loss </span><span class=\"S2677 SA7 S2\" id=\"tj_125\">- </span><span class=\"S2678 SA7 S2\" id=\"tk_125\">- </span><span class=\"S2679 SA7 S2\" id=\"tl_125\">- </span><span class=\"S267A SA7 S2\" id=\"tm_125\">8,152 </span><span class=\"S267B SA7 S2\" id=\"tn_125\">- </span><span class=\"S267C SA7 S2\" id=\"to_125\">41,594 </span><span class=\"S267D SB S2\" id=\"tp_125\">49,746 </span><span class=\"S267E SA7 S2\" id=\"tq_125\">Non-trading debt instruments mandatorily at </span><span class=\"S267F SA7 S2\" id=\"tr_125\">fair value through profit or loss </span><span class=\"S2680 SA7 S2\" id=\"ts_125\">949 </span><span class=\"S2681 SA7 S2\" id=\"tt_125\">797 </span><span class=\"S2682 SA7 S2\" id=\"tu_125\">6 </span><span class=\"S2683 SA7 S2\" id=\"tv_125\">1,182 </span><span class=\"S2684 SA7 S2\" id=\"tw_125\">1,006 </span><span class=\"S2685 SA7 S2\" id=\"tx_125\">1,469 </span><span class=\"S2686 SB S2\" id=\"ty_125\">5,409 </span><span class=\"S2687 SB S2\" id=\"tz_125\">Total </span><span class=\"S2688 SB S2\" id=\"t10_125\">949 </span><span class=\"S2689 SB S2\" id=\"t11_125\">797 </span><span class=\"S268A SB S2\" id=\"t12_125\">6 </span><span class=\"S268B SB S2\" id=\"t13_125\">9,334 </span><span class=\"S268C SB S2\" id=\"t14_125\">1,006 </span><span class=\"S268D SB S2\" id=\"t15_125\">43,063 </span><span class=\"S268E SB S2\" id=\"t16_125\">55,155 </span><span class=\"S268F SB S2\" id=\"t17_125\">2021 </span><span class=\"S2690 SB S2\" id=\"t18_125\">Aa3 </span><span class=\"S2691 SB S2\" id=\"t19_125\">Baa3 </span><span class=\"S2692 SB S2\" id=\"t1a_125\">Ba1 </span><span class=\"S2693 SB S2\" id=\"t1b_125\">N/A </span><span class=\"S2694 SB S2\" id=\"t1c_125\">Total </span><span class=\"S2695 SA7 S2\" id=\"t1d_125\">Non-trading equity instruments mandatorily at </span><span class=\"S2696 SA7 S2\" id=\"t1e_125\">fair value through profit or loss </span><span class=\"S2697 SA7 S2\" id=\"t1f_125\">- </span><span class=\"S2698 SA7 S2\" id=\"t1g_125\">- </span><span class=\"S2699 SA7 S2\" id=\"t1h_125\">7,811 </span><span class=\"S269A SA7 S2\" id=\"t1i_125\">37,083 </span><span class=\"S269B SB S2\" id=\"t1j_125\">44,894 </span><span class=\"S1CA5 SA7 S2\" id=\"t1k_125\">Non-trading debt instruments mandatorily at </span><span class=\"S269C SA7 S2\" id=\"t1l_125\">fair value through profit or loss </span><span class=\"S269D SA7 S2\" id=\"t1m_125\">3,498 </span><span class=\"S269E SA7 S2\" id=\"t1n_125\">1,043 </span><span class=\"S269F SA7 S2\" id=\"t1o_125\">56 </span><span class=\"S26A0 SA7 S2\" id=\"t1p_125\">3,912 </span><span class=\"S26A1 SB S2\" id=\"t1q_125\">8,509 </span><span class=\"S26A2 SB S2\" id=\"t1r_125\">Total </span><span class=\"S26A3 SB S2\" id=\"t1s_125\">3,498 </span><span class=\"S26A4 SB S2\" id=\"t1t_125\">1,043 </span><span class=\"S26A5 SB S2\" id=\"t1u_125\">7,867 </span><span class=\"S26A6 SB S2\" id=\"t1v_125\">40,995 </span><span class=\"S26A7 SB S2\" id=\"t1w_125\">53,403 </span><span class=\"S1E99 SB S2\" id=\"t5_126\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_126\">37.1.8. </span><span class=\"S266B S603 S2\" id=\"t7_126\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S1E9B SB S2\" id=\"t8_126\">Securities at fair value through other comprehensive income </span><span class=\"S26A8 S2669 S2\" id=\"t9_126\">2022 </span><span class=\"S26A9 S2669 S2\" id=\"ta_126\">Aaa </span><span class=\"S26AA S2669 S2\" id=\"tb_126\">Aa2 </span><span class=\"S26AB S2669 S2\" id=\"tc_126\">Aa3 </span><span class=\"S26AC S2669 S2\" id=\"td_126\">A1 </span><span class=\"S26AD S2669 S2\" id=\"te_126\">A2 </span><span class=\"S26AE S2669 S2\" id=\"tf_126\">A3 </span><span class=\"S26AF S2669 S2\" id=\"tg_126\">Baa1 </span><span class=\"S26B0 S2669 S2\" id=\"th_126\">Baa2 </span><span class=\"S26B1 S2669 S2\" id=\"ti_126\">Baa3 </span><span class=\"S26B2 S2669 S2\" id=\"tj_126\">Ba1 </span><span class=\"S26B3 S2669 S2\" id=\"tk_126\">Ba2 </span><span class=\"S26B4 S2669 S2\" id=\"tl_126\">B1 </span><span class=\"S26B5 S2669 S2\" id=\"tm_126\">Caa1 </span><span class=\"S26B6 S2669 S2\" id=\"tn_126\">Caa3 </span><span class=\"S26B7 S2669 S2\" id=\"to_126\">Not </span><span class=\"S26B8 S2669 S2\" id=\"tp_126\">rated </span><span class=\"S26B9 S2669 S2\" id=\"tq_126\">N/A </span><span class=\"S26BA S2669 S2\" id=\"tr_126\">Total </span><span class=\"S2565 S266A S2\" id=\"ts_126\">Government bonds </span><span class=\"S26BB S266A S2\" id=\"tt_126\">19,775 </span><span class=\"S26BC S266A S2\" id=\"tu_126\">6,773 </span><span class=\"S26BD S266A S2\" id=\"tv_126\">- </span><span class=\"S26BE S266A S2\" id=\"tw_126\">17,544 </span><span class=\"S26BF S266A S2\" id=\"tx_126\">24,234 </span><span class=\"S26C0 S266A S2\" id=\"ty_126\">80,968 </span><span class=\"S26C1 S266A S2\" id=\"tz_126\">138,811 </span><span class=\"S26C2 S266A S2\" id=\"t10_126\">534,476 </span><span class=\"S26C3 S266A S2\" id=\"t11_126\">120,053 </span><span class=\"S26C4 S266A S2\" id=\"t12_126\">10,198 </span><span class=\"S26C5 S266A S2\" id=\"t13_126\">157,469 </span><span class=\"S26C6 S266A S2\" id=\"t14_126\">105,049 </span><span class=\"S26C7 S266A S2\" id=\"t15_126\">145 </span><span class=\"S26C8 S266A S2\" id=\"t16_126\">26,597 </span><span class=\"S26C9 S266A S2\" id=\"t17_126\">31,672 </span><span class=\"S26CA S266A S2\" id=\"t18_126\">27,415 </span><span class=\"S26CB S2669 S2\" id=\"t19_126\">1,301,179 </span><span class=\"S26CC S266A S2\" id=\"t1a_126\">Corporate bonds </span><span class=\"S26CD S266A S2\" id=\"t1b_126\">- </span><span class=\"S26CE S266A S2\" id=\"t1c_126\">- </span><span class=\"S26CF S266A S2\" id=\"t1d_126\">- </span><span class=\"S26D0 S266A S2\" id=\"t1e_126\">- </span><span class=\"S26D1 S266A S2\" id=\"t1f_126\">1,691 </span><span class=\"S26D2 S266A S2\" id=\"t1g_126\">- </span><span class=\"S26D3 S266A S2\" id=\"t1h_126\">- </span><span class=\"S26D4 S266A S2\" id=\"t1i_126\">39,309 </span><span class=\"S26D5 S266A S2\" id=\"t1j_126\">3,820 </span><span class=\"S26D6 S266A S2\" id=\"t1k_126\">13,721 </span><span class=\"S26D7 S266A S2\" id=\"t1l_126\">9,262 </span><span class=\"S26D8 S266A S2\" id=\"t1m_126\">- </span><span class=\"S26D9 S266A S2\" id=\"t1n_126\">- </span><span class=\"S26DA S266A S2\" id=\"t1o_126\">14,848 </span><span class=\"S26DB S266A S2\" id=\"t1p_126\">- </span><span class=\"S26DC S2669 S2\" id=\"t1q_126\">82,651 </span><span class=\"S26DD S266A S2\" id=\"t1r_126\">Mortgage bonds </span><span class=\"S26DE S266A S2\" id=\"t1s_126\">- </span><span class=\"S26DF S266A S2\" id=\"t1t_126\">- </span><span class=\"S26E0 S266A S2\" id=\"t1u_126\">- </span><span class=\"S26E1 S266A S2\" id=\"t1v_126\">42,407 </span><span class=\"S26E2 S266A S2\" id=\"t1w_126\">- </span><span class=\"S26E3 S266A S2\" id=\"t1x_126\">- </span><span class=\"S26E4 S266A S2\" id=\"t1y_126\">- </span><span class=\"S26E5 S266A S2\" id=\"t1z_126\">- </span><span class=\"S26E6 S266A S2\" id=\"t20_126\">- </span><span class=\"S26E7 S266A S2\" id=\"t21_126\">- </span><span class=\"S26E8 S266A S2\" id=\"t22_126\">- </span><span class=\"S26E9 S266A S2\" id=\"t23_126\">- </span><span class=\"S26EA S266A S2\" id=\"t24_126\">- </span><span class=\"S26EB S266A S2\" id=\"t25_126\">- </span><span class=\"S26EC S266A S2\" id=\"t26_126\">12,146 </span><span class=\"S26ED S266A S2\" id=\"t27_126\">- </span><span class=\"S26EE S2669 S2\" id=\"t28_126\">54,553 </span><span class=\"S26EF S266A S2\" id=\"t29_126\">National Bank of </span><span class=\"S26F0 S266A S2\" id=\"t2a_126\">Hungary bonds </span><span class=\"S26F1 S266A S2\" id=\"t2b_126\">- </span><span class=\"S26F2 S266A S2\" id=\"t2c_126\">- </span><span class=\"S26F3 S266A S2\" id=\"t2d_126\">- </span><span class=\"S26F4 S266A S2\" id=\"t2e_126\">- </span><span class=\"S26F5 S266A S2\" id=\"t2f_126\">- </span><span class=\"S26F6 S266A S2\" id=\"t2g_126\">- </span><span class=\"S26F7 S266A S2\" id=\"t2h_126\">- </span><span class=\"S26F8 S266A S2\" id=\"t2i_126\">74,867 </span><span class=\"S259A S266A S2\" id=\"t2j_126\">- </span><span class=\"S26F9 S266A S2\" id=\"t2k_126\">- </span><span class=\"S26FA S266A S2\" id=\"t2l_126\">- </span><span class=\"S26FB S266A S2\" id=\"t2m_126\">- </span><span class=\"S26FC S266A S2\" id=\"t2n_126\">- </span><span class=\"S26FD S266A S2\" id=\"t2o_126\">- </span><span class=\"S26FE S266A S2\" id=\"t2p_126\">- </span><span class=\"S26FF S2669 S2\" id=\"t2q_126\">74,867 </span><span class=\"S2700 S266A S2\" id=\"t2r_126\">Interest bearing </span><span class=\"S2701 S266A S2\" id=\"t2s_126\">treasury bills </span><span class=\"S2702 S266A S2\" id=\"t2t_126\">- </span><span class=\"S2703 S266A S2\" id=\"t2u_126\">- </span><span class=\"S2704 S266A S2\" id=\"t2v_126\">- </span><span class=\"S2705 S266A S2\" id=\"t2w_126\">- </span><span class=\"S2706 S266A S2\" id=\"t2x_126\">- </span><span class=\"S2707 S266A S2\" id=\"t2y_126\">- </span><span class=\"S2708 S266A S2\" id=\"t2z_126\">- </span><span class=\"S2709 S266A S2\" id=\"t30_126\">182,726 </span><span class=\"S270A S266A S2\" id=\"t31_126\">- </span><span class=\"S270B S266A S2\" id=\"t32_126\">- </span><span class=\"S270C S266A S2\" id=\"t33_126\">- </span><span class=\"S270D S266A S2\" id=\"t34_126\">- </span><span class=\"S270E S266A S2\" id=\"t35_126\">- </span><span class=\"S270F S266A S2\" id=\"t36_126\">- </span><span class=\"S2710 S266A S2\" id=\"t37_126\">- </span><span class=\"S2711 S266A S2\" id=\"t38_126\">- </span><span class=\"S2712 S2669 S2\" id=\"t39_126\">182,726 </span><span class=\"S2713 S266A S2\" id=\"t3a_126\">Other securities </span><span class=\"S2714 S266A S2\" id=\"t3b_126\">- </span><span class=\"S2715 S266A S2\" id=\"t3c_126\">- </span><span class=\"S2716 S266A S2\" id=\"t3d_126\">- </span><span class=\"S2717 S266A S2\" id=\"t3e_126\">- </span><span class=\"S2718 S266A S2\" id=\"t3f_126\">- </span><span class=\"S2719 S266A S2\" id=\"t3g_126\">- </span><span class=\"S271A S266A S2\" id=\"t3h_126\">- </span><span class=\"S271B S266A S2\" id=\"t3i_126\">- </span><span class=\"S25B9 S266A S2\" id=\"t3j_126\">- </span><span class=\"S271C S266A S2\" id=\"t3k_126\">- </span><span class=\"S271D S266A S2\" id=\"t3l_126\">- </span><span class=\"S271E S266A S2\" id=\"t3m_126\">- </span><span class=\"S271F S266A S2\" id=\"t3n_126\">- </span><span class=\"S2720 S266A S2\" id=\"t3o_126\">- </span><span class=\"S2721 S266A S2\" id=\"t3p_126\">3,470 </span><span class=\"S2722 S266A S2\" id=\"t3q_126\">- </span><span class=\"S2723 S2669 S2\" id=\"t3r_126\">3,470 </span><span class=\"S2724 S266A S2\" id=\"t3s_126\">Non-trading </span><span class=\"S2725 S266A S2\" id=\"t3t_126\">equity instruments </span><span class=\"S2726 S266A S2\" id=\"t3u_126\">5,767 </span><span class=\"S2727 S266A S2\" id=\"t3v_126\">- </span><span class=\"S2728 S266A S2\" id=\"t3w_126\">3,036 </span><span class=\"S2729 S266A S2\" id=\"t3x_126\">388 </span><span class=\"S272A S266A S2\" id=\"t3y_126\">- </span><span class=\"S272B S266A S2\" id=\"t3z_126\">- </span><span class=\"S272C S266A S2\" id=\"t40_126\">- </span><span class=\"S272D S266A S2\" id=\"t41_126\">323 </span><span class=\"S272E S266A S2\" id=\"t42_126\">30 </span><span class=\"S272F S266A S2\" id=\"t43_126\">- </span><span class=\"S2730 S266A S2\" id=\"t44_126\">- </span><span class=\"S2731 S266A S2\" id=\"t45_126\">- </span><span class=\"S2732 S266A S2\" id=\"t46_126\">- </span><span class=\"S2733 S266A S2\" id=\"t47_126\">- </span><span class=\"S2734 S266A S2\" id=\"t48_126\">30,613 </span><span class=\"S2735 S266A S2\" id=\"t49_126\">- </span><span class=\"S2736 S2669 S2\" id=\"t4a_126\">40,157 </span><span class=\"S25D1 S2669 S2\" id=\"t4b_126\">Total </span><span class=\"S2737 S2669 S2\" id=\"t4c_126\">25,542 </span><span class=\"S2738 S2669 S2\" id=\"t4d_126\">6,773 </span><span class=\"S2739 S2669 S2\" id=\"t4e_126\">3,036 </span><span class=\"S273A S2669 S2\" id=\"t4f_126\">60,339 </span><span class=\"S273B S2669 S2\" id=\"t4g_126\">24,234 </span><span class=\"S273C S2669 S2\" id=\"t4h_126\">82,659 </span><span class=\"S273D S2669 S2\" id=\"t4i_126\">138,811 </span><span class=\"S273E S2669 S2\" id=\"t4j_126\">792,392 </span><span class=\"S273F S2669 S2\" id=\"t4k_126\">159,392 </span><span class=\"S2740 S2669 S2\" id=\"t4l_126\">14,018 </span><span class=\"S2741 S2669 S2\" id=\"t4m_126\">171,190 </span><span class=\"S2742 S2669 S2\" id=\"t4n_126\">114,311 </span><span class=\"S2743 S2669 S2\" id=\"t4o_126\">145 </span><span class=\"S2744 S2669 S2\" id=\"t4p_126\">26,597 </span><span class=\"S2745 S2669 S2\" id=\"t4q_126\">92,749 </span><span class=\"S2746 S2669 S2\" id=\"t4r_126\">27,415 </span><span class=\"S2747 S2669 S2\" id=\"t4s_126\">1,739,603 </span><span class=\"S2748 S2669 S2\" id=\"t4t_126\">2021 </span><span class=\"S2749 S2669 S2\" id=\"t4u_126\">Aaa </span><span class=\"S274A S2669 S2\" id=\"t4v_126\">Aa2 </span><span class=\"S274B S2669 S2\" id=\"t4w_126\">Aa3 </span><span class=\"S274C S2669 S2\" id=\"t4x_126\">A1 </span><span class=\"S274D S2669 S2\" id=\"t4y_126\">A2 </span><span class=\"S274E S2669 S2\" id=\"t4z_126\">A3 </span><span class=\"S274F S2669 S2\" id=\"t50_126\">Baa1 </span><span class=\"S2750 S2669 S2\" id=\"t51_126\">Baa2 </span><span class=\"S2751 S2669 S2\" id=\"t52_126\">Baa3 </span><span class=\"S2752 S2669 S2\" id=\"t53_126\">Ba1 </span><span class=\"S2753 S2669 S2\" id=\"t54_126\">Ba2 </span><span class=\"S2754 S2669 S2\" id=\"t55_126\">Ba3 </span><span class=\"S2755 S2669 S2\" id=\"t56_126\">B1 </span><span class=\"S2756 S2669 S2\" id=\"t57_126\">B3 </span><span class=\"S2757 S2669 S2\" id=\"t58_126\">Caa1 </span><span class=\"S2758 S2669 S2\" id=\"t59_126\">N/A </span><span class=\"S2759 S2669 S2\" id=\"t5a_126\">Total </span><span class=\"S25EF S266A S2\" id=\"t5b_126\">Government bonds </span><span class=\"S275A S266A S2\" id=\"t5c_126\">21,728 </span><span class=\"S275B S266A S2\" id=\"t5d_126\">7,849 </span><span class=\"S275C S266A S2\" id=\"t5e_126\">- </span><span class=\"S275D S266A S2\" id=\"t5f_126\">17,808 </span><span class=\"S275E S266A S2\" id=\"t5g_126\">28,492 </span><span class=\"S275F S266A S2\" id=\"t5h_126\">99,425 </span><span class=\"S2760 S266A S2\" id=\"t5i_126\">203,172 </span><span class=\"S2761 S266A S2\" id=\"t5j_126\">495,231 </span><span class=\"S2762 S266A S2\" id=\"t5k_126\">372,198 </span><span class=\"S2763 S266A S2\" id=\"t5l_126\">188,395 </span><span class=\"S2764 S266A S2\" id=\"t5m_126\">162,477 </span><span class=\"S2765 S266A S2\" id=\"t5n_126\">- </span><span class=\"S2766 S266A S2\" id=\"t5o_126\">76,732 </span><span class=\"S2767 S266A S2\" id=\"t5p_126\">91,487 </span><span class=\"S2768 S266A S2\" id=\"t5q_126\">178 </span><span class=\"S2769 S266A S2\" id=\"t5r_126\">- </span><span class=\"S276A S2669 S2\" id=\"t5s_126\">1,765,172 </span><span class=\"S276B S266A S2\" id=\"t5t_126\">Corporate bonds </span><span class=\"S276C S266A S2\" id=\"t5u_126\">- </span><span class=\"S276D S266A S2\" id=\"t5v_126\">- </span><span class=\"S276E S266A S2\" id=\"t5w_126\">- </span><span class=\"S276F S266A S2\" id=\"t5x_126\">- </span><span class=\"S2770 S266A S2\" id=\"t5y_126\">- </span><span class=\"S2771 S266A S2\" id=\"t5z_126\">2,896 </span><span class=\"S2772 S266A S2\" id=\"t60_126\">- </span><span class=\"S2773 S266A S2\" id=\"t61_126\">6,152 </span><span class=\"S2774 S266A S2\" id=\"t62_126\">44,606 </span><span class=\"S2775 S266A S2\" id=\"t63_126\">4,144 </span><span class=\"S2776 S266A S2\" id=\"t64_126\">12,630 </span><span class=\"S2777 S266A S2\" id=\"t65_126\">- </span><span class=\"S2778 S266A S2\" id=\"t66_126\">- </span><span class=\"S2779 S266A S2\" id=\"t67_126\">- </span><span class=\"S277A S266A S2\" id=\"t68_126\">- </span><span class=\"S277B S266A S2\" id=\"t69_126\">18,091 </span><span class=\"S277C S2669 S2\" id=\"t6a_126\">88,519 </span><span class=\"S277D S266A S2\" id=\"t6b_126\">Mortgage bonds </span><span class=\"S277E S266A S2\" id=\"t6c_126\">- </span><span class=\"S277F S266A S2\" id=\"t6d_126\">- </span><span class=\"S2780 S266A S2\" id=\"t6e_126\">- </span><span class=\"S2781 S266A S2\" id=\"t6f_126\">47,568 </span><span class=\"S2782 S266A S2\" id=\"t6g_126\">- </span><span class=\"S2783 S266A S2\" id=\"t6h_126\">- </span><span class=\"S2784 S266A S2\" id=\"t6i_126\">- </span><span class=\"S2785 S266A S2\" id=\"t6j_126\">- </span><span class=\"S2786 S266A S2\" id=\"t6k_126\">- </span><span class=\"S2787 S266A S2\" id=\"t6l_126\">- </span><span class=\"S2788 S266A S2\" id=\"t6m_126\">- </span><span class=\"S2789 S266A S2\" id=\"t6n_126\">- </span><span class=\"S278A S266A S2\" id=\"t6o_126\">- </span><span class=\"S278B S266A S2\" id=\"t6p_126\">- </span><span class=\"S278C S266A S2\" id=\"t6q_126\">- </span><span class=\"S278D S266A S2\" id=\"t6r_126\">15,504 </span><span class=\"S278E S2669 S2\" id=\"t6s_126\">63,072 </span><span class=\"S278F S266A S2\" id=\"t6t_126\">Discounted </span><span class=\"S2790 S266A S2\" id=\"t6u_126\">treasury bills </span><span class=\"S2791 S266A S2\" id=\"t6v_126\">- </span><span class=\"S2792 S266A S2\" id=\"t6w_126\">- </span><span class=\"S2793 S266A S2\" id=\"t6x_126\">- </span><span class=\"S2794 S266A S2\" id=\"t6y_126\">- </span><span class=\"S2621 S266A S2\" id=\"t6z_126\">- </span><span class=\"S2622 S266A S2\" id=\"t70_126\">- </span><span class=\"S2795 S266A S2\" id=\"t71_126\">- </span><span class=\"S2796 S266A S2\" id=\"t72_126\">44,924 </span><span class=\"S2797 S266A S2\" id=\"t73_126\">- </span><span class=\"S2798 S266A S2\" id=\"t74_126\">51,701 </span><span class=\"S2799 S266A S2\" id=\"t75_126\">- </span><span class=\"S279A S266A S2\" id=\"t76_126\">- </span><span class=\"S279B S266A S2\" id=\"t77_126\">- </span><span class=\"S279C S266A S2\" id=\"t78_126\">- </span><span class=\"S279D S266A S2\" id=\"t79_126\">- </span><span class=\"S279E S266A S2\" id=\"t7a_126\">- </span><span class=\"S279F S2669 S2\" id=\"t7b_126\">96,625 </span><span class=\"S27A0 S266A S2\" id=\"t7c_126\">National Bank of </span><span class=\"S27A1 S266A S2\" id=\"t7d_126\">Hungary bonds </span><span class=\"S27A2 S266A S2\" id=\"t7e_126\">- </span><span class=\"S27A3 S266A S2\" id=\"t7f_126\">- </span><span class=\"S27A4 S266A S2\" id=\"t7g_126\">- </span><span class=\"S27A5 S266A S2\" id=\"t7h_126\">- </span><span class=\"S27A6 S266A S2\" id=\"t7i_126\">- </span><span class=\"S27A7 S266A S2\" id=\"t7j_126\">- </span><span class=\"S27A8 S266A S2\" id=\"t7k_126\">- </span><span class=\"S27A9 S266A S2\" id=\"t7l_126\">- </span><span class=\"S27AA S266A S2\" id=\"t7m_126\">- </span><span class=\"S27AB S266A S2\" id=\"t7n_126\">- </span><span class=\"S27AC S266A S2\" id=\"t7o_126\">- </span><span class=\"S27AD S266A S2\" id=\"t7p_126\">109,774 </span><span class=\"S27AE S266A S2\" id=\"t7q_126\">- </span><span class=\"S27AF S266A S2\" id=\"t7r_126\">- </span><span class=\"S27B0 S266A S2\" id=\"t7s_126\">- </span><span class=\"S27B1 S266A S2\" id=\"t7t_126\">- </span><span class=\"S27B2 S2669 S2\" id=\"t7u_126\">109,774 </span><span class=\"S27B3 S266A S2\" id=\"t7v_126\">Interest bearing </span><span class=\"S27B4 S266A S2\" id=\"t7w_126\">treasury bills </span><span class=\"S27B5 S266A S2\" id=\"t7x_126\">- </span><span class=\"S27B6 S266A S2\" id=\"t7y_126\">- </span><span class=\"S27B7 S266A S2\" id=\"t7z_126\">- </span><span class=\"S27B8 S266A S2\" id=\"t80_126\">- </span><span class=\"S27B9 S266A S2\" id=\"t81_126\">- </span><span class=\"S27BA S266A S2\" id=\"t82_126\">- </span><span class=\"S27BB S266A S2\" id=\"t83_126\">- </span><span class=\"S27BC S266A S2\" id=\"t84_126\">63,115 </span><span class=\"S27BD S266A S2\" id=\"t85_126\">- </span><span class=\"S27BE S266A S2\" id=\"t86_126\">- </span><span class=\"S27BF S266A S2\" id=\"t87_126\">- </span><span class=\"S27C0 S266A S2\" id=\"t88_126\">- </span><span class=\"S27C1 S266A S2\" id=\"t89_126\">- </span><span class=\"S27C2 S266A S2\" id=\"t8a_126\">- </span><span class=\"S27C3 S266A S2\" id=\"t8b_126\">- </span><span class=\"S27C4 S266A S2\" id=\"t8c_126\">- </span><span class=\"S27C5 S2669 S2\" id=\"t8d_126\">63,115 </span><span class=\"S27C6 S266A S2\" id=\"t8e_126\">Other securities </span><span class=\"S27C7 S266A S2\" id=\"t8f_126\">- </span><span class=\"S27C8 S266A S2\" id=\"t8g_126\">- </span><span class=\"S27C9 S266A S2\" id=\"t8h_126\">- </span><span class=\"S27CA S266A S2\" id=\"t8i_126\">- </span><span class=\"S264F S266A S2\" id=\"t8j_126\">- </span><span class=\"S2650 S266A S2\" id=\"t8k_126\">- </span><span class=\"S27CB S266A S2\" id=\"t8l_126\">- </span><span class=\"S27CC S266A S2\" id=\"t8m_126\">- </span><span class=\"S27CD S266A S2\" id=\"t8n_126\">- </span><span class=\"S27CE S266A S2\" id=\"t8o_126\">- </span><span class=\"S27CF S266A S2\" id=\"t8p_126\">- </span><span class=\"S27D0 S266A S2\" id=\"t8q_126\">- </span><span class=\"S27D1 S266A S2\" id=\"t8r_126\">- </span><span class=\"S27D2 S266A S2\" id=\"t8s_126\">- </span><span class=\"S27D3 S266A S2\" id=\"t8t_126\">- </span><span class=\"S27D4 S266A S2\" id=\"t8u_126\">3,257 </span><span class=\"S27D5 S2669 S2\" id=\"t8v_126\">3,257 </span><span class=\"S265A S266A S2\" id=\"t8w_126\">Non-trading </span><span class=\"S27D6 S266A S2\" id=\"t8x_126\">equity instruments </span><span class=\"S27D7 S266A S2\" id=\"t8y_126\">- </span><span class=\"S27D8 S266A S2\" id=\"t8z_126\">- </span><span class=\"S27D9 S266A S2\" id=\"t90_126\">6,112 </span><span class=\"S27DA S266A S2\" id=\"t91_126\">349 </span><span class=\"S27DB S266A S2\" id=\"t92_126\">- </span><span class=\"S27DC S266A S2\" id=\"t93_126\">- </span><span class=\"S27DD S266A S2\" id=\"t94_126\">- </span><span class=\"S27DE S266A S2\" id=\"t95_126\">- </span><span class=\"S27DF S266A S2\" id=\"t96_126\">305 </span><span class=\"S27E0 S266A S2\" id=\"t97_126\">- </span><span class=\"S27E1 S266A S2\" id=\"t98_126\">- </span><span class=\"S27E2 S266A S2\" id=\"t99_126\">- </span><span class=\"S27E3 S266A S2\" id=\"t9a_126\">- </span><span class=\"S27E4 S266A S2\" id=\"t9b_126\">- </span><span class=\"S27E5 S266A S2\" id=\"t9c_126\">- </span><span class=\"S27E6 S266A S2\" id=\"t9d_126\">28,210 </span><span class=\"S27E7 S2669 S2\" id=\"t9e_126\">34,976 </span><span class=\"S27E8 S2669 S2\" id=\"t9f_126\">Total </span><span class=\"S27E9 S2669 S2\" id=\"t9g_126\">21,728 </span><span class=\"S27EA S2669 S2\" id=\"t9h_126\">7,849 </span><span class=\"S27EB S2669 S2\" id=\"t9i_126\">6,112 </span><span class=\"S27EC S2669 S2\" id=\"t9j_126\">65,725 </span><span class=\"S27ED S2669 S2\" id=\"t9k_126\">28,492 </span><span class=\"S27EE S2669 S2\" id=\"t9l_126\">102,321 </span><span class=\"S27EF S2669 S2\" id=\"t9m_126\">203,172 </span><span class=\"S27F0 S2669 S2\" id=\"t9n_126\">609,422 </span><span class=\"S27F1 S2669 S2\" id=\"t9o_126\">417,109 </span><span class=\"S27F2 S2669 S2\" id=\"t9p_126\">244,240 </span><span class=\"S27F3 S2669 S2\" id=\"t9q_126\">175,107 </span><span class=\"S27F4 S2669 S2\" id=\"t9r_126\">109,774 </span><span class=\"S27F5 S2669 S2\" id=\"t9s_126\">76,732 </span><span class=\"S27F6 S2669 S2\" id=\"t9t_126\">91,487 </span><span class=\"S27F7 S2669 S2\" id=\"t9u_126\">178 </span><span class=\"S27F8 S2669 S2\" id=\"t9v_126\">65,062 </span><span class=\"S27F9 S2669 S2\" id=\"t9w_126\">2,224,510 </span><span class=\"S1FD0 SB S2\" id=\"t5_127\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_127\">37.1.8. </span><span class=\"S27FA S603 S2\" id=\"t7_127\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S1FD3 SB S2\" id=\"t8_127\">Securities at amortized cost </span><span class=\"S27FB S2669 S2\" id=\"t9_127\">2022 </span><span class=\"S27FC S2669 S2\" id=\"ta_127\">Aaa </span><span class=\"S27FD S2669 S2\" id=\"tb_127\">Aa2 </span><span class=\"S27FE S2669 S2\" id=\"tc_127\">A1 </span><span class=\"S27FF S2669 S2\" id=\"td_127\">A2 </span><span class=\"S2800 S2669 S2\" id=\"te_127\">A3 </span><span class=\"S2801 S2669 S2\" id=\"tf_127\">Baa1 </span><span class=\"S2802 S2669 S2\" id=\"tg_127\">Baa2 </span><span class=\"S2803 S2669 S2\" id=\"th_127\">Baa3 </span><span class=\"S2804 S2669 S2\" id=\"ti_127\">Ba2 </span><span class=\"S2805 S2669 S2\" id=\"tj_127\">B1 </span><span class=\"S2806 S2669 S2\" id=\"tk_127\">B3 </span><span class=\"S2807 S2669 S2\" id=\"tl_127\">Caa3 </span><span class=\"S2808 S2669 S2\" id=\"tm_127\">Not </span><span class=\"S2809 S2669 S2\" id=\"tn_127\">rated </span><span class=\"S280A S2669 S2\" id=\"to_127\">N/A </span><span class=\"S280B S2669 S2\" id=\"tp_127\">Total </span><span class=\"S280C S266A S2\" id=\"tq_127\">Government bonds </span><span class=\"S280D S266A S2\" id=\"tr_127\">285,285 </span><span class=\"S280E S266A S2\" id=\"ts_127\">27,551 </span><span class=\"S280F S266A S2\" id=\"tt_127\">12,382 </span><span class=\"S2810 S266A S2\" id=\"tu_127\">26,341 </span><span class=\"S2811 S266A S2\" id=\"tv_127\">33,154 </span><span class=\"S2812 S266A S2\" id=\"tw_127\">218,408 </span><span class=\"S2813 S266A S2\" id=\"tx_127\">3,019,422 </span><span class=\"S2814 S266A S2\" id=\"ty_127\">154,043 </span><span class=\"S2815 S266A S2\" id=\"tz_127\">163,104 </span><span class=\"S2816 S266A S2\" id=\"t10_127\">39,470 </span><span class=\"S2817 S266A S2\" id=\"t11_127\">23,623 </span><span class=\"S2818 S266A S2\" id=\"t12_127\">308,798 </span><span class=\"S2819 S266A S2\" id=\"t13_127\">- </span><span class=\"S281A S266A S2\" id=\"t14_127\">24,427 </span><span class=\"S281B S2669 S2\" id=\"t15_127\">4,336,008 </span><span class=\"S281C S266A S2\" id=\"t16_127\">Corporate bonds </span><span class=\"S281D S266A S2\" id=\"t17_127\">- </span><span class=\"S281E S266A S2\" id=\"t18_127\">- </span><span class=\"S281F S266A S2\" id=\"t19_127\">- </span><span class=\"S2820 S266A S2\" id=\"t1a_127\">- </span><span class=\"S2821 S266A S2\" id=\"t1b_127\">- </span><span class=\"S2822 S266A S2\" id=\"t1c_127\">- </span><span class=\"S2823 S266A S2\" id=\"t1d_127\">- </span><span class=\"S2824 S266A S2\" id=\"t1e_127\">15,800 </span><span class=\"S2825 S266A S2\" id=\"t1f_127\">- </span><span class=\"S2826 S266A S2\" id=\"t1g_127\">2,839 </span><span class=\"S2827 S266A S2\" id=\"t1h_127\">- </span><span class=\"S2828 S266A S2\" id=\"t1i_127\">- </span><span class=\"S2829 S266A S2\" id=\"t1j_127\">229,322 </span><span class=\"S282A S266A S2\" id=\"t1k_127\">- </span><span class=\"S282B S2669 S2\" id=\"t1l_127\">247,961 </span><span class=\"S282C S266A S2\" id=\"t1m_127\">Bonds of Hungarian National Bank </span><span class=\"S282D S266A S2\" id=\"t1n_127\">- </span><span class=\"S282E S266A S2\" id=\"t1o_127\">- </span><span class=\"S282F S266A S2\" id=\"t1p_127\">- </span><span class=\"S2830 S266A S2\" id=\"t1q_127\">- </span><span class=\"S2831 S266A S2\" id=\"t1r_127\">- </span><span class=\"S2832 S266A S2\" id=\"t1s_127\">- </span><span class=\"S2833 S266A S2\" id=\"t1t_127\">- </span><span class=\"S2834 S266A S2\" id=\"t1u_127\">177,679 </span><span class=\"S2835 S266A S2\" id=\"t1v_127\">- </span><span class=\"S2836 S266A S2\" id=\"t1w_127\">- </span><span class=\"S2837 S266A S2\" id=\"t1x_127\">- </span><span class=\"S2838 S266A S2\" id=\"t1y_127\">- </span><span class=\"S2839 S266A S2\" id=\"t1z_127\">- </span><span class=\"S283A S266A S2\" id=\"t20_127\">- </span><span class=\"S283B S2669 S2\" id=\"t21_127\">177,679 </span><span class=\"S283C S266A S2\" id=\"t22_127\">Discounted Treasury bills </span><span class=\"S283D S266A S2\" id=\"t23_127\">- </span><span class=\"S283E S266A S2\" id=\"t24_127\">- </span><span class=\"S283F S266A S2\" id=\"t25_127\">- </span><span class=\"S2840 S266A S2\" id=\"t26_127\">- </span><span class=\"S2841 S266A S2\" id=\"t27_127\">- </span><span class=\"S2842 S266A S2\" id=\"t28_127\">- </span><span class=\"S2843 S266A S2\" id=\"t29_127\">- </span><span class=\"S2844 S266A S2\" id=\"t2a_127\">- </span><span class=\"S2845 S266A S2\" id=\"t2b_127\">- </span><span class=\"S2846 S266A S2\" id=\"t2c_127\">18,871 </span><span class=\"S2847 S266A S2\" id=\"t2d_127\">- </span><span class=\"S2848 S266A S2\" id=\"t2e_127\">- </span><span class=\"S2849 S266A S2\" id=\"t2f_127\">- </span><span class=\"S284A S2669 S2\" id=\"t2g_127\">18,871 </span><span class=\"S284B S266A S2\" id=\"t2h_127\">Mortgage bonds </span><span class=\"S284C S266A S2\" id=\"t2i_127\">- </span><span class=\"S284D S266A S2\" id=\"t2j_127\">- </span><span class=\"S284E S266A S2\" id=\"t2k_127\">12,966 </span><span class=\"S284F S266A S2\" id=\"t2l_127\">- </span><span class=\"S2850 S266A S2\" id=\"t2m_127\">- </span><span class=\"S2851 S266A S2\" id=\"t2n_127\">- </span><span class=\"S2852 S266A S2\" id=\"t2o_127\">- </span><span class=\"S2853 S266A S2\" id=\"t2p_127\">- </span><span class=\"S2854 S266A S2\" id=\"t2q_127\">- </span><span class=\"S2855 S266A S2\" id=\"t2r_127\">- </span><span class=\"S2856 S266A S2\" id=\"t2s_127\">- </span><span class=\"S2857 S266A S2\" id=\"t2t_127\">- </span><span class=\"S2858 S266A S2\" id=\"t2u_127\">11,518 </span><span class=\"S2859 S266A S2\" id=\"t2v_127\">- </span><span class=\"S285A S2669 S2\" id=\"t2w_127\">24,484 </span><span class=\"S285B S266A S2\" id=\"t2x_127\">Interest bearing Treasury bills </span><span class=\"S285C S266A S2\" id=\"t2y_127\">- </span><span class=\"S285D S266A S2\" id=\"t2z_127\">- </span><span class=\"S285E S266A S2\" id=\"t30_127\">- </span><span class=\"S285F S266A S2\" id=\"t31_127\">- </span><span class=\"S2860 S266A S2\" id=\"t32_127\">- </span><span class=\"S2861 S266A S2\" id=\"t33_127\">- </span><span class=\"S2862 S266A S2\" id=\"t34_127\">- </span><span class=\"S2863 S266A S2\" id=\"t35_127\">- </span><span class=\"S2864 S266A S2\" id=\"t36_127\">- </span><span class=\"S2865 S266A S2\" id=\"t37_127\">4,954 </span><span class=\"S2866 S266A S2\" id=\"t38_127\">- </span><span class=\"S2867 S266A S2\" id=\"t39_127\">- </span><span class=\"S2868 S266A S2\" id=\"t3a_127\">- </span><span class=\"S2869 S266A S2\" id=\"t3b_127\">- </span><span class=\"S286A S2669 S2\" id=\"t3c_127\">4,954 </span><span class=\"S2713 S266A S2\" id=\"t3d_127\">Other securities </span><span class=\"S286B S266A S2\" id=\"t3e_127\">- </span><span class=\"S286C S266A S2\" id=\"t3f_127\">- </span><span class=\"S286D S266A S2\" id=\"t3g_127\">1,911 </span><span class=\"S286E S266A S2\" id=\"t3h_127\">9,357 </span><span class=\"S286F S266A S2\" id=\"t3i_127\">403 </span><span class=\"S2870 S266A S2\" id=\"t3j_127\">11,874 </span><span class=\"S2871 S266A S2\" id=\"t3k_127\">3,971 </span><span class=\"S2872 S266A S2\" id=\"t3l_127\">13,223 </span><span class=\"S2873 S266A S2\" id=\"t3m_127\">1,968 </span><span class=\"S2874 S266A S2\" id=\"t3n_127\">- </span><span class=\"S2875 S266A S2\" id=\"t3o_127\">- </span><span class=\"S2876 S266A S2\" id=\"t3p_127\">- </span><span class=\"S2877 S266A S2\" id=\"t3q_127\">39,274 </span><span class=\"S2878 S266A S2\" id=\"t3r_127\">- </span><span class=\"S2879 S2669 S2\" id=\"t3s_127\">81,981 </span><span class=\"S2724 S2669 S2\" id=\"t3t_127\">Total </span><span class=\"S287A S2669 S2\" id=\"t3u_127\">285,285 </span><span class=\"S287B S2669 S2\" id=\"t3v_127\">27,551 </span><span class=\"S287C S2669 S2\" id=\"t3w_127\">27,259 </span><span class=\"S287D S2669 S2\" id=\"t3x_127\">35,698 </span><span class=\"S287E S2669 S2\" id=\"t3y_127\">33,557 </span><span class=\"S287F S2669 S2\" id=\"t3z_127\">230,282 </span><span class=\"S2880 S2669 S2\" id=\"t40_127\">3,023,393 </span><span class=\"S2881 S2669 S2\" id=\"t41_127\">360,745 </span><span class=\"S2882 S2669 S2\" id=\"t42_127\">165,072 </span><span class=\"S2883 S2669 S2\" id=\"t43_127\">47,263 </span><span class=\"S2884 S2669 S2\" id=\"t44_127\">42,494 </span><span class=\"S2885 S2669 S2\" id=\"t45_127\">308,798 </span><span class=\"S2886 S2669 S2\" id=\"t46_127\">280,114 </span><span class=\"S2887 S2669 S2\" id=\"t47_127\">24,427 </span><span class=\"S2888 S2669 S2\" id=\"t48_127\">4,891,938 </span><span class=\"S2889 S2669 S2\" id=\"t49_127\">2021 </span><span class=\"S288A S2669 S2\" id=\"t4a_127\">Aaa </span><span class=\"S288B S2669 S2\" id=\"t4b_127\">Aa2 </span><span class=\"S288C S2669 S2\" id=\"t4c_127\">A1 </span><span class=\"S288D S2669 S2\" id=\"t4d_127\">A2 </span><span class=\"S288E S2669 S2\" id=\"t4e_127\">A3 </span><span class=\"S288F S2669 S2\" id=\"t4f_127\">Baa1 </span><span class=\"S2890 S2669 S2\" id=\"t4g_127\">Baa2 </span><span class=\"S2891 S2669 S2\" id=\"t4h_127\">Baa3 </span><span class=\"S2892 S2669 S2\" id=\"t4i_127\">Ba1 </span><span class=\"S2893 S2669 S2\" id=\"t4j_127\">Ba2 </span><span class=\"S2894 S2669 S2\" id=\"t4k_127\">B1 </span><span class=\"S2895 S2669 S2\" id=\"t4l_127\">B3 </span><span class=\"S2896 S2669 S2\" id=\"t4m_127\">N/A </span><span class=\"S2897 S2669 S2\" id=\"t4n_127\">Total </span><span class=\"S2898 S266A S2\" id=\"t4o_127\">Government bonds </span><span class=\"S2899 S266A S2\" id=\"t4p_127\">185,261 </span><span class=\"S289A S266A S2\" id=\"t4q_127\">45,392 </span><span class=\"S289B S266A S2\" id=\"t4r_127\">20,043 </span><span class=\"S289C S266A S2\" id=\"t4s_127\">- </span><span class=\"S289D S266A S2\" id=\"t4t_127\">31,892 </span><span class=\"S289E S266A S2\" id=\"t4u_127\">172,502 </span><span class=\"S289F S266A S2\" id=\"t4v_127\">2,858,111 </span><span class=\"S28A0 S266A S2\" id=\"t4w_127\">174,929 </span><span class=\"S28A1 S266A S2\" id=\"t4x_127\">26,544 </span><span class=\"S28A2 S266A S2\" id=\"t4y_127\">12,617 </span><span class=\"S28A3 S266A S2\" id=\"t4z_127\">25,587 </span><span class=\"S28A4 S266A S2\" id=\"t50_127\">91,423 </span><span class=\"S28A5 S266A S2\" id=\"t51_127\">- </span><span class=\"S28A6 S2669 S2\" id=\"t52_127\">3,644,301 </span><span class=\"S28A7 S266A S2\" id=\"t53_127\">Corporate bonds </span><span class=\"S28A8 S266A S2\" id=\"t54_127\">- </span><span class=\"S28A9 S266A S2\" id=\"t55_127\">- </span><span class=\"S28AA S266A S2\" id=\"t56_127\">- </span><span class=\"S28AB S266A S2\" id=\"t57_127\">- </span><span class=\"S28AC S266A S2\" id=\"t58_127\">- </span><span class=\"S28AD S266A S2\" id=\"t59_127\">- </span><span class=\"S28AE S266A S2\" id=\"t5a_127\">- </span><span class=\"S28AF S266A S2\" id=\"t5b_127\">32,013 </span><span class=\"S28B0 S266A S2\" id=\"t5c_127\">- </span><span class=\"S28B1 S266A S2\" id=\"t5d_127\">- </span><span class=\"S28B2 S266A S2\" id=\"t5e_127\">- </span><span class=\"S28B3 S266A S2\" id=\"t5f_127\">- </span><span class=\"S28B4 S266A S2\" id=\"t5g_127\">138,862 </span><span class=\"S28B5 S2669 S2\" id=\"t5h_127\">170,875 </span><span class=\"S28B6 S266A S2\" id=\"t5i_127\">Discounted Treasury bills </span><span class=\"S28B7 S266A S2\" id=\"t5j_127\">- </span><span class=\"S28B8 S266A S2\" id=\"t5k_127\">- </span><span class=\"S28B9 S266A S2\" id=\"t5l_127\">- </span><span class=\"S28BA S266A S2\" id=\"t5m_127\">- </span><span class=\"S28BB S266A S2\" id=\"t5n_127\">- </span><span class=\"S28BC S266A S2\" id=\"t5o_127\">- </span><span class=\"S28BD S266A S2\" id=\"t5p_127\">6 </span><span class=\"S28BE S266A S2\" id=\"t5q_127\">- </span><span class=\"S28BF S266A S2\" id=\"t5r_127\">- </span><span class=\"S28C0 S266A S2\" id=\"t5s_127\">- </span><span class=\"S28C1 S266A S2\" id=\"t5t_127\">- </span><span class=\"S28C2 S266A S2\" id=\"t5u_127\">15,696 </span><span class=\"S28C3 S266A S2\" id=\"t5v_127\">- </span><span class=\"S28C4 S2669 S2\" id=\"t5w_127\">15,702 </span><span class=\"S28C5 S266A S2\" id=\"t5x_127\">Mortgage bonds </span><span class=\"S28C6 S266A S2\" id=\"t5y_127\">- </span><span class=\"S28C7 S266A S2\" id=\"t5z_127\">- </span><span class=\"S28C8 S266A S2\" id=\"t60_127\">12,992 </span><span class=\"S28C9 S266A S2\" id=\"t61_127\">- </span><span class=\"S28CA S266A S2\" id=\"t62_127\">- </span><span class=\"S28CB S266A S2\" id=\"t63_127\">- </span><span class=\"S28CC S266A S2\" id=\"t64_127\">- </span><span class=\"S28CD S266A S2\" id=\"t65_127\">47 </span><span class=\"S28CE S266A S2\" id=\"t66_127\">- </span><span class=\"S28CF S266A S2\" id=\"t67_127\">- </span><span class=\"S28D0 S266A S2\" id=\"t68_127\">- </span><span class=\"S28D1 S266A S2\" id=\"t69_127\">- </span><span class=\"S28D2 S266A S2\" id=\"t6a_127\">11,282 </span><span class=\"S28D3 S2669 S2\" id=\"t6b_127\">24,321 </span><span class=\"S28D4 S266A S2\" id=\"t6c_127\">Other securities </span><span class=\"S28D5 S266A S2\" id=\"t6d_127\">298 </span><span class=\"S28D6 S266A S2\" id=\"t6e_127\">- </span><span class=\"S28D7 S266A S2\" id=\"t6f_127\">- </span><span class=\"S28D8 S266A S2\" id=\"t6g_127\">8,210 </span><span class=\"S28D9 S266A S2\" id=\"t6h_127\">- </span><span class=\"S28DA S266A S2\" id=\"t6i_127\">7,343 </span><span class=\"S28DB S266A S2\" id=\"t6j_127\">3,682 </span><span class=\"S28DC S266A S2\" id=\"t6k_127\">- </span><span class=\"S28DD S266A S2\" id=\"t6l_127\">- </span><span class=\"S28DE S266A S2\" id=\"t6m_127\">- </span><span class=\"S28DF S266A S2\" id=\"t6n_127\">- </span><span class=\"S28E0 S266A S2\" id=\"t6o_127\">- </span><span class=\"S28E1 S266A S2\" id=\"t6p_127\">16,603 </span><span class=\"S28E2 S2669 S2\" id=\"t6q_127\">36,136 </span><span class=\"S28E3 S2669 S2\" id=\"t6r_127\">Total </span><span class=\"S28E4 S2669 S2\" id=\"t6s_127\">185,559 </span><span class=\"S28E5 S2669 S2\" id=\"t6t_127\">45,392 </span><span class=\"S28E6 S2669 S2\" id=\"t6u_127\">33,035 </span><span class=\"S28E7 S2669 S2\" id=\"t6v_127\">8,210 </span><span class=\"S28E8 S2669 S2\" id=\"t6w_127\">31,892 </span><span class=\"S28E9 S2669 S2\" id=\"t6x_127\">179,845 </span><span class=\"S28EA S2669 S2\" id=\"t6y_127\">2,861,799 </span><span class=\"S28EB S2669 S2\" id=\"t6z_127\">206,989 </span><span class=\"S28EC S2669 S2\" id=\"t70_127\">26,544 </span><span class=\"S28ED S2669 S2\" id=\"t71_127\">12,617 </span><span class=\"S28EE S2669 S2\" id=\"t72_127\">25,587 </span><span class=\"S28EF S2669 S2\" id=\"t73_127\">107,119 </span><span class=\"S28F0 S2669 S2\" id=\"t74_127\">166,747 </span><span class=\"S28F1 S2669 S2\" id=\"t75_127\">3,891,335 </span><span class=\"S7D9 SB S2\" id=\"t5_128\">37.2. </span><span class=\"S28F2 SB S2\" id=\"t6_128\">Maturity analysis of assets, liabilities and liquidity risk </span><span class=\"S28F3 SA7 S2\" id=\"t7_128\">Liquidity risk is a measure of the extent to which the Group may be required to raise funds to meet its commitments </span><span class=\"S28F4 SA7 S2\" id=\"t8_128\">associated with financial instruments. The Group maintains its liquidity position in accordance with regulations </span><span class=\"S28F5 SA7 S2\" id=\"t9_128\">prescribed by the NBH. </span><span class=\"S28F6 SA7 S2\" id=\"ta_128\">The essential aspect of the liquidity risk management strategy is to identify all relevant systemic and idiosyncratic </span><span class=\"S28F7 SA7 S2\" id=\"tb_128\">sources of liquidity risk and to measure the probability and severity of such events. During liquidity risk </span><span class=\"S28F8 SA7 S2\" id=\"tc_128\">management the Group considers the effect of liquidity risk events caused by reasons arising in the bank business </span><span class=\"S28F9 SA7 S2\" id=\"td_128\">line (deposit withdrawal), the national economy (exchange rate shock yield curve shock) and the global financial </span><span class=\"S28FA SA7 S2\" id=\"te_128\">system (capital market shock). </span><span class=\"S77D S5B9 S2\" id=\"tf_128\">In line with the Group\u2019s risk </span><span class=\"S28FB SA7 S2\" id=\"tg_128\">management policy liquidity risks are measured and managed on multiply hierarchy </span><span class=\"S28FC SA7 S2\" id=\"th_128\">levels and applying integrated unified VaR based methodology. The basic requirement is that the Group must keep </span><span class=\"S28FD SA7 S2\" id=\"ti_128\">high quality liquidity reserves which means it can fulfill all liabilities when they fall due without material additional </span><span class=\"S28FE SA7 S2\" id=\"tj_128\">costs. </span><span class=\"S28FF SA7 S2\" id=\"tk_128\">The liquidity reserves can be divided in two parts. There are separate decentralized liquid asset portfolios at </span><span class=\"S2900 SA7 S2\" id=\"tl_128\">subsidiary level and a centralized flexible liquidity pool at a Group level. The reserves at subsidiary levels are held </span><span class=\"S2901 SA7 S2\" id=\"tm_128\">to cover the relevant shocks of the subsidiaries which may arise in local currencies (deposit withdrawal, local </span><span class=\"S2902 SA7 S2\" id=\"tn_128\">capital market shock, unexpected business expansion), while the centralized liquidity pool is held to cover the </span><span class=\"S2903 S5B9 S2\" id=\"to_128\">Bank\u2019s separate shocks (deposit</span><span class=\"S2904 SA7 S2\" id=\"tp_128\">-, yield curve- </span><span class=\"S2905 S5B9 S2\" id=\"tq_128\">and exchange rate shocks) and all group member\u2019s potential shocks </span><span class=\"SA92 SA7 S2\" id=\"tr_128\">that may arise in foreign currencies (deposit withdrawal, capital market shock). </span><span class=\"S2906 SA7 S2\" id=\"ts_128\">The recalculation of shocks is made at least quarterly while the recalibration of shock measurement models and </span><span class=\"S2907 SA7 S2\" id=\"tt_128\">review of the risk management methodology is an annual process. The monitoring of liquidity reserves for both </span><span class=\"S18BC SA7 S2\" id=\"tu_128\">centralized and decentralized liquid asset portfolio has been built into the daily reporting process. </span><span class=\"S2908 SA7 S2\" id=\"tv_128\">Due to the balance sheet adjustment process (deleveraging) experienced in the last few years, the liquidity reserves </span><span class=\"S2909 SA7 S2\" id=\"tw_128\">of the Group increased significantly while the liquidity risk exposure has decreased considerably. Currently the </span><span class=\"S290A SA7 S2\" id=\"tx_128\">(over)coverage of potential liquidity risk exposure by high quality liquid assets is high. There were no material </span><span class=\"S290B SA7 S2\" id=\"ty_128\">changes in the liquidity risk management process for the year ended 31 December 2022. </span><span class=\"S290C SA7 S2\" id=\"tz_128\">The contractual amounts disclosed in the maturity analyses are the contractual undiscounted cash-flows like gross </span><span class=\"S290D SA7 S2\" id=\"t10_128\">finance lease obligations (before deducting finance charges); prices specified in forward agreements to purchase </span><span class=\"S290E SA7 S2\" id=\"t11_128\">financial assets for cash; net amounts for pay-floating/receive-fixed interest rate swaps for which net cash-flows </span><span class=\"S290F SA7 S2\" id=\"t12_128\">are exchanged; contractual amounts to be exchanged in a derivative financial instrument for which gross cash- </span><span class=\"S2910 SA7 S2\" id=\"t13_128\">flows are exchanged; gross loan commitments. </span><span class=\"S2911 SA7 S2\" id=\"t14_128\">Such undiscounted cash-flows differ from the amount included in the Consolidated Statement of Financial Position </span><span class=\"S2912 SA7 S2\" id=\"t15_128\">because the amount in that statement is based on discounted cash-flows. When the amount payable is not fixed, </span><span class=\"S2913 SA7 S2\" id=\"t16_128\">the amount disclosed is determined by reference to the conditions existing at the end of the reporting period. For </span><span class=\"S2914 SA7 S2\" id=\"t17_128\">example, when the amount payable varies with changes in an index, the amount disclosed may be based on the </span><span class=\"S2915 SA7 S2\" id=\"t18_128\">level of the index at the end of the period. </span><span class=\"S2916 SA7 S2\" id=\"t19_128\">The following tables provide an analysis of assets and liabilities about the non-discounted cash-flow into relevant </span><span class=\"S2917 SA7 S2\" id=\"t1a_128\">maturity groupings based on the remaining period from the balance sheet date to the contractual maturity date. It </span><span class=\"S2918 SA7 S2\" id=\"t1b_128\">is presented under the most prudent consideration of maturity dates where options or repayment schedules allow </span><span class=\"S2919 SA7 S2\" id=\"t1c_128\">for early repayment possibilities. </span><span class=\"S291A SB S2\" id=\"t5_129\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_129\">2022 </span><span class=\"S291C S27D S2\" id=\"t7_129\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_129\">months </span><span class=\"S291E S27D S2\" id=\"t9_129\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_129\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_129\">months </span><span class=\"S2921 S27D S2\" id=\"tc_129\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_129\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_129\">year </span><span class=\"S2924 S27D S2\" id=\"tf_129\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_129\">Without </span><span class=\"S2926 S27D S2\" id=\"th_129\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_129\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_129\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_129\">4,223,091 </span><span class=\"S292A S27E S2\" id=\"tl_129\">4 </span><span class=\"S292B S27E S2\" id=\"tm_129\">- </span><span class=\"S292C S27E S2\" id=\"tn_129\">- </span><span class=\"S292D S27E S2\" id=\"to_129\">- </span><span class=\"S292E S27E S2\" id=\"tp_129\">4,223,095 </span><span class=\"S292F S27E S2\" id=\"tq_129\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_129\">1,062,238 </span><span class=\"S2931 S27E S2\" id=\"ts_129\">67,317 </span><span class=\"S2932 S27E S2\" id=\"tt_129\">221,803 </span><span class=\"S2933 S27E S2\" id=\"tu_129\">2,969 </span><span class=\"S2934 S27E S2\" id=\"tv_129\">806 </span><span class=\"S2935 S27E S2\" id=\"tw_129\">1,355,133 </span><span class=\"S2936 S27E S2\" id=\"tx_129\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_129\">41,250 </span><span class=\"S2938 S27E S2\" id=\"tz_129\">- </span><span class=\"S2939 S27E S2\" id=\"t10_129\">- </span><span class=\"S293A S27E S2\" id=\"t11_129\">- </span><span class=\"S293B S27E S2\" id=\"t12_129\">- </span><span class=\"S293C S27E S2\" id=\"t13_129\">41,250 </span><span class=\"S293D S27E S2\" id=\"t14_129\">Trading securities at fair value through profit or loss </span><span class=\"S293E S27E S2\" id=\"t15_129\">5,350 </span><span class=\"S293F S27E S2\" id=\"t16_129\">29,118 </span><span class=\"S2940 S27E S2\" id=\"t17_129\">67,117 </span><span class=\"S2941 S27E S2\" id=\"t18_129\">11,794 </span><span class=\"S2942 S27E S2\" id=\"t19_129\">50 </span><span class=\"S2943 S27E S2\" id=\"t1a_129\">113,429 </span><span class=\"S2944 S27E S2\" id=\"t1b_129\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2945 S27E S2\" id=\"t1c_129\">594 </span><span class=\"S2946 S27E S2\" id=\"t1d_129\">1,127 </span><span class=\"S2947 S27E S2\" id=\"t1e_129\">9,163 </span><span class=\"S2948 S27E S2\" id=\"t1f_129\">20 </span><span class=\"S2949 S27E S2\" id=\"t1g_129\">34,490 </span><span class=\"S294A S27E S2\" id=\"t1h_129\">45,394 </span><span class=\"S294B S27E S2\" id=\"t1i_129\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_129\">254,204 </span><span class=\"S294D S27E S2\" id=\"t1k_129\">301,798 </span><span class=\"S294E S27E S2\" id=\"t1l_129\">996,103 </span><span class=\"S294F S27E S2\" id=\"t1m_129\">286,950 </span><span class=\"S2950 S27E S2\" id=\"t1n_129\">131,680 </span><span class=\"S2951 S27E S2\" id=\"t1o_129\">1,970,735 </span><span class=\"S2952 S27E S2\" id=\"t1p_129\">Securities at amortized cost </span><span class=\"S2953 S27E S2\" id=\"t1q_129\">534,388 </span><span class=\"S2954 S27E S2\" id=\"t1r_129\">439,296 </span><span class=\"S2955 S27E S2\" id=\"t1s_129\">2,423,815 </span><span class=\"S2956 S27E S2\" id=\"t1t_129\">1,585,672 </span><span class=\"S2957 S27E S2\" id=\"t1u_129\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_129\">4,983,171 </span><span class=\"S2959 S27E S2\" id=\"t1w_129\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_129\">2,013,234 </span><span class=\"S295B S27E S2\" id=\"t1y_129\">3,287,432 </span><span class=\"S295C S27E S2\" id=\"t1z_129\">6,141,665 </span><span class=\"S295D S27E S2\" id=\"t20_129\">6,441,001 </span><span class=\"S295E S27E S2\" id=\"t21_129\">30,584 </span><span class=\"S295F S27E S2\" id=\"t22_129\">17,913,916 </span><span class=\"S2960 S27E S2\" id=\"t23_129\">Finance lease receivable </span><span class=\"S2961 S27E S2\" id=\"t24_129\">87,867 </span><span class=\"S2962 S27E S2\" id=\"t25_129\">215,640 </span><span class=\"S2963 S27E S2\" id=\"t26_129\">1,007,512 </span><span class=\"S2964 S27E S2\" id=\"t27_129\">83,753 </span><span class=\"S2965 S27E S2\" id=\"t28_129\">- </span><span class=\"S2966 S27E S2\" id=\"t29_129\">1,394,772 </span><span class=\"S2967 S27E S2\" id=\"t2a_129\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_129\">40,151 </span><span class=\"S2969 S27E S2\" id=\"t2c_129\">38,038 </span><span class=\"S296A S27E S2\" id=\"t2d_129\">239,627 </span><span class=\"S296B S27E S2\" id=\"t2e_129\">973,060 </span><span class=\"S296C S27E S2\" id=\"t2f_129\">- </span><span class=\"S296D S27E S2\" id=\"t2g_129\">1,290,876 </span><span class=\"S296E S27E S2\" id=\"t2h_129\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_129\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_129\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_129\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_129\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_129\">85,929 </span><span class=\"S2974 S27E S2\" id=\"t2n_129\">85,929 </span><span class=\"S2975 S27E S2\" id=\"t2o_129\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_129\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_129\">271,648 </span><span class=\"S2978 S27E S2\" id=\"t2r_129\">4,039 </span><span class=\"S2979 S27E S2\" id=\"t2s_129\">3,917 </span><span class=\"S297A S27E S2\" id=\"t2t_129\">8,485 </span><span class=\"S297B S27E S2\" id=\"t2u_129\">6,726 </span><span class=\"S297C S27E S2\" id=\"t2v_129\">294,815 </span><span class=\"S297D S27D S2\" id=\"t2w_129\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_129\">8,534,015 </span><span class=\"S297F S27D S2\" id=\"t2y_129\">4,383,809 </span><span class=\"S2980 S27D S2\" id=\"t2z_129\">11,110,722 </span><span class=\"S2981 S27D S2\" id=\"t30_129\">9,393,704 </span><span class=\"S2982 S27D S2\" id=\"t31_129\">290,265 </span><span class=\"S2983 S27D S2\" id=\"t32_129\">33,712,515 </span><span class=\"S2984 S27E S2\" id=\"t33_129\">Amounts due to banks, the National Governments, </span><span class=\"S2985 S27E S2\" id=\"t34_129\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_129\">387,564 </span><span class=\"S2987 S27E S2\" id=\"t36_129\">213,599 </span><span class=\"S2988 S27E S2\" id=\"t37_129\">665,930 </span><span class=\"S2989 S27E S2\" id=\"t38_129\">296,766 </span><span class=\"S298A S27E S2\" id=\"t39_129\">- </span><span class=\"S298B S27E S2\" id=\"t3a_129\">1,563,859 </span><span class=\"S298C S27E S2\" id=\"t3b_129\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_129\">29,153 </span><span class=\"S298E S27E S2\" id=\"t3d_129\">191 </span><span class=\"S298F S27E S2\" id=\"t3e_129\">188,025 </span><span class=\"S2990 S27E S2\" id=\"t3f_129\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_129\">- </span><span class=\"S2992 S27E S2\" id=\"t3h_129\">217,369 </span><span class=\"S2993 S27E S2\" id=\"t3i_129\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_129\">583 </span><span class=\"S2995 S27E S2\" id=\"t3k_129\">1,133 </span><span class=\"S2996 S27E S2\" id=\"t3l_129\">5,535 </span><span class=\"S2997 S27E S2\" id=\"t3m_129\">50,218 </span><span class=\"S2998 S27E S2\" id=\"t3n_129\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_129\">57,469 </span><span class=\"S299A S27E S2\" id=\"t3p_129\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_129\">23,399,285 </span><span class=\"S299C S27E S2\" id=\"t3r_129\">1,275,142 </span><span class=\"S299D S27E S2\" id=\"t3s_129\">398,900 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_129\">123,290 </span><span class=\"S299E S27E S2\" id=\"t3u_129\">- </span><span class=\"S299F S27E S2\" id=\"t3v_129\">25,196,617 </span><span class=\"S29A0 S27E S2\" id=\"t3w_129\">Liabilities from issued securities </span><span class=\"S29A1 S27E S2\" id=\"t3x_129\">10,644 </span><span class=\"S29A2 S27E S2\" id=\"t3y_129\">44,375 </span><span class=\"S29A3 S27E S2\" id=\"t3z_129\">730,703 </span><span class=\"S29A4 S27E S2\" id=\"t40_129\">173,510 </span><span class=\"S29A5 S27E S2\" id=\"t41_129\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_129\">959,232 </span><span class=\"S29A7 S27E S2\" id=\"t43_129\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_129\">4,720 </span><span class=\"S29A9 S27E S2\" id=\"t45_129\">9,616 </span><span class=\"S29AA S27E S2\" id=\"t46_129\">33,534 </span><span class=\"S29AB S27E S2\" id=\"t47_129\">18,397 </span><span class=\"S29AC S27E S2\" id=\"t48_129\">72 </span><span class=\"S29AD S27E S2\" id=\"t49_129\">66,339 </span><span class=\"S29AE S27E S2\" id=\"t4a_129\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_129\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_129\">550,802 </span><span class=\"S29B1 S27E S2\" id=\"t4d_129\">34,748 </span><span class=\"S29B2 S27E S2\" id=\"t4e_129\">11,065 </span><span class=\"S29B3 S27E S2\" id=\"t4f_129\">817 </span><span class=\"S29B4 S27E S2\" id=\"t4g_129\">4,231 </span><span class=\"S29B5 S27E S2\" id=\"t4h_129\">601,663 </span><span class=\"S29B6 S27E S2\" id=\"t4i_129\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_129\">3,395 </span><span class=\"S29B8 S27E S2\" id=\"t4k_129\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_129\">8,603 </span><span class=\"S29BA S27E S2\" id=\"t4m_129\">291,801 </span><span class=\"S29BB S27E S2\" id=\"t4n_129\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_129\">303,799 </span><span class=\"S29BD S27D S2\" id=\"t4p_129\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_129\">24,386,146 </span><span class=\"S29BF S27D S2\" id=\"t4r_129\">1,578,804 </span><span class=\"S29C0 S27D S2\" id=\"t4s_129\">2,042,295 </span><span class=\"S29C1 S27D S2\" id=\"t4t_129\">954,799 </span><span class=\"S29C2 S27D S2\" id=\"t4u_129\">4,303 </span><span class=\"S29C3 S27D S2\" id=\"t4v_129\">28,966,347 </span><span class=\"S29C4 S27D S2\" id=\"t4w_129\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_129\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_129\">(15,852,131) </span><span class=\"S29C7 S27D S2\" id=\"t4z_129\">2,805,005 </span><span class=\"S29C8 S27D S2\" id=\"t50_129\">9,068,427 </span><span class=\"S29C9 S27D S2\" id=\"t51_129\">8,438,905 </span><span class=\"S29CA S27D S2\" id=\"t52_129\">285,962 </span><span class=\"S29CB S27D S2\" id=\"t53_129\">4,746,168 </span><span class=\"S29CC S482 S2\" id=\"t54_129\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_129\">Without derivative financial instruments. </span><span class=\"S29CE S482 S2\" id=\"t56_129\">2 </span><span class=\"S29CF S483 S2\" id=\"t57_129\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S29D0 S1A84 S2\" id=\"t58_129\">demand deposits are presented in the earliest (within 3 month) period category, however based on the Management\u2019s discretion </span><span class=\"S29D1 S483 S2\" id=\"t59_129\">the Group has appropriate liquidity reserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5a_129\">risk. </span><span class=\"S291A SB S2\" id=\"t5_130\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_130\">2022 </span><span class=\"S29D5 S27D S2\" id=\"t7_130\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_130\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_130\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_130\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_130\">months </span><span class=\"S29DA S27D S2\" id=\"tc_130\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_130\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_130\">year </span><span class=\"S29DD S27D S2\" id=\"tf_130\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_130\">Without </span><span class=\"S29DF S27D S2\" id=\"th_130\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_130\">Total </span><span class=\"S29E1 S27E S2\" id=\"tj_130\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_130\">7,242,836 </span><span class=\"S29E3 S27E S2\" id=\"tl_130\">1,270,841 </span><span class=\"S29E4 S27E S2\" id=\"tm_130\">476,343 </span><span class=\"S29E5 S27E S2\" id=\"tn_130\">186,089 </span><span class=\"S29E6 S27E S2\" id=\"to_130\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_130\">9,176,109 </span><span class=\"S29E8 S27E S2\" id=\"tq_130\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_130\">(7,885,403) </span><span class=\"S29EA S27E S2\" id=\"ts_130\">(1,623,033) </span><span class=\"S29EB S27E S2\" id=\"tt_130\">(499,998) </span><span class=\"S29EC S27E S2\" id=\"tu_130\">(192,979) </span><span class=\"S29ED S27E S2\" id=\"tv_130\">- </span><span class=\"S29EE S27E S2\" id=\"tw_130\">(10,201,413) </span><span class=\"S29EF S27D S2\" id=\"tx_130\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_130\">held for trading </span><span class=\"S29F1 S27D S2\" id=\"tz_130\">(642,567) </span><span class=\"S29F2 S27D S2\" id=\"t10_130\">(352,192) </span><span class=\"S29F3 S27D S2\" id=\"t11_130\">(23,655) </span><span class=\"S29F4 S27D S2\" id=\"t12_130\">(6,890) </span><span class=\"S29F5 S27D S2\" id=\"t13_130\">- </span><span class=\"S29F6 S27D S2\" id=\"t14_130\">(1,025,304) </span><span class=\"S29F7 S27E S2\" id=\"t15_130\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_130\">designated as hedge accounting </span><span class=\"S29F9 S27E S2\" id=\"t17_130\">316,440 </span><span class=\"S29FA S27E S2\" id=\"t18_130\">186,839 </span><span class=\"S29FB S27E S2\" id=\"t19_130\">784,159 </span><span class=\"S29FC S27E S2\" id=\"t1a_130\">15,859 </span><span class=\"S29FD S27E S2\" id=\"t1b_130\">- </span><span class=\"S29FE S27E S2\" id=\"t1c_130\">1,303,297 </span><span class=\"S29FF S27E S2\" id=\"t1d_130\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_130\">designated as hedge accounting </span><span class=\"S2A01 S27E S2\" id=\"t1f_130\">(297,714) </span><span class=\"S2A02 S27E S2\" id=\"t1g_130\">(217,102) </span><span class=\"S2A03 S27E S2\" id=\"t1h_130\">(2,031,727) </span><span class=\"S2A04 S27E S2\" id=\"t1i_130\">(13,425) </span><span class=\"S2A05 S27E S2\" id=\"t1j_130\">- </span><span class=\"S2A06 S27E S2\" id=\"t1k_130\">(2,559,968) </span><span class=\"S2A07 S27D S2\" id=\"t1l_130\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_130\">as hedge accounting </span><span class=\"S2A09 S27D S2\" id=\"t1n_130\">18,726 </span><span class=\"S2A0A S27D S2\" id=\"t1o_130\">(30,263) </span><span class=\"S2A0B S27D S2\" id=\"t1p_130\">(1,247,568) </span><span class=\"S2A0C S27D S2\" id=\"t1q_130\">2,434 </span><span class=\"S2A0D S27D S2\" id=\"t1r_130\">- </span><span class=\"S2A0E S27D S2\" id=\"t1s_130\">(1,256,671) </span><span class=\"S2A0F S27D S2\" id=\"t1t_130\">Net position of derivative financial instruments total </span><span class=\"S2A10 S27D S2\" id=\"t1u_130\">(623,841) </span><span class=\"S2A11 S27D S2\" id=\"t1v_130\">(382,455) </span><span class=\"S2A12 S27D S2\" id=\"t1w_130\">(1,271,223) </span><span class=\"S2A13 S27D S2\" id=\"t1x_130\">(4,456) </span><span class=\"S2A14 S27D S2\" id=\"t1y_130\">- </span><span class=\"S2A15 S27D S2\" id=\"t1z_130\">(2,281,975) </span><span class=\"S2A16 S27E S2\" id=\"t20_130\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_130\">3,937,023 </span><span class=\"S2A18 S27E S2\" id=\"t22_130\">236,103 </span><span class=\"S2A19 S27E S2\" id=\"t23_130\">54,355 </span><span class=\"S2A1A S27E S2\" id=\"t24_130\">2,808 </span><span class=\"S2A1B S27E S2\" id=\"t25_130\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_130\">4,230,289 </span><span class=\"S2A1D S27E S2\" id=\"t27_130\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_130\">602,335 </span><span class=\"S2A1F S27E S2\" id=\"t29_130\">308,787 </span><span class=\"S2A20 S27E S2\" id=\"t2a_130\">337,105 </span><span class=\"S2A21 S27E S2\" id=\"t2b_130\">164,790 </span><span class=\"S2A22 S27E S2\" id=\"t2c_130\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_130\">1,413,017 </span><span class=\"S2A24 S27E S2\" id=\"t2e_130\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_130\">47,631 </span><span class=\"S2A26 S27E S2\" id=\"t2g_130\">5,733 </span><span class=\"S2A27 S27E S2\" id=\"t2h_130\">193 </span><span class=\"S2A28 S27E S2\" id=\"t2i_130\">- </span><span class=\"S2A29 S27E S2\" id=\"t2j_130\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_130\">53,557 </span><span class=\"S2A2B S27E S2\" id=\"t2l_130\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_130\">414,585 </span><span class=\"S2A2D S27E S2\" id=\"t2n_130\">5,035 </span><span class=\"S2A2E S27E S2\" id=\"t2o_130\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_130\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_130\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_130\">419,620 </span><span class=\"S2A32 S27D S2\" id=\"t2s_130\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_130\">5,001,574 </span><span class=\"S2A34 S27D S2\" id=\"t2u_130\">555,658 </span><span class=\"S2A35 S27D S2\" id=\"t2v_130\">391,653 </span><span class=\"S2A36 S27D S2\" id=\"t2w_130\">167,598 </span><span class=\"S2A37 S27D S2\" id=\"t2x_130\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_130\">6,116,483 </span><span class=\"S291A SB S2\" id=\"t5_131\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_131\">2021 </span><span class=\"S291C S27D S2\" id=\"t7_131\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_131\">months </span><span class=\"S291E S27D S2\" id=\"t9_131\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_131\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_131\">months </span><span class=\"S2A39 S27D S2\" id=\"tc_131\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_131\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_131\">year </span><span class=\"S2924 S27D S2\" id=\"tf_131\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_131\">Without </span><span class=\"S2926 S27D S2\" id=\"th_131\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_131\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_131\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_131\">2,557,092 </span><span class=\"S2A3A S27E S2\" id=\"tl_131\">51 </span><span class=\"S292B S27E S2\" id=\"tm_131\">- </span><span class=\"S292C S27E S2\" id=\"tn_131\">- </span><span class=\"S292D S27E S2\" id=\"to_131\">- </span><span class=\"S292E S27E S2\" id=\"tp_131\">2,557,143 </span><span class=\"S292F S27E S2\" id=\"tq_131\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_131\">1,314,523 </span><span class=\"S2931 S27E S2\" id=\"ts_131\">61,455 </span><span class=\"S2932 S27E S2\" id=\"tt_131\">145,180 </span><span class=\"S2A3B S27E S2\" id=\"tu_131\">67,764 </span><span class=\"S2A3C S27E S2\" id=\"tv_131\">- </span><span class=\"S2935 S27E S2\" id=\"tw_131\">1,588,922 </span><span class=\"S2A3D S27E S2\" id=\"tx_131\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_131\">61,373 </span><span class=\"S2938 S27E S2\" id=\"tz_131\">- </span><span class=\"S2939 S27E S2\" id=\"t10_131\">- </span><span class=\"S293A S27E S2\" id=\"t11_131\">- </span><span class=\"S293B S27E S2\" id=\"t12_131\">- </span><span class=\"S293C S27E S2\" id=\"t13_131\">61,373 </span><span class=\"S2A3E S27E S2\" id=\"t14_131\">Trading securities at fair value through profit or loss </span><span class=\"S2A3F S27E S2\" id=\"t15_131\">29,714 </span><span class=\"S293F S27E S2\" id=\"t16_131\">21,975 </span><span class=\"S2940 S27E S2\" id=\"t17_131\">37,345 </span><span class=\"S2941 S27E S2\" id=\"t18_131\">13,530 </span><span class=\"S2A40 S27E S2\" id=\"t19_131\">1,738 </span><span class=\"S2943 S27E S2\" id=\"t1a_131\">104,302 </span><span class=\"S2944 S27E S2\" id=\"t1b_131\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2A41 S27E S2\" id=\"t1c_131\">- </span><span class=\"S2A42 S27E S2\" id=\"t1d_131\">- </span><span class=\"S2947 S27E S2\" id=\"t1e_131\">9,769 </span><span class=\"S2948 S27E S2\" id=\"t1f_131\">19 </span><span class=\"S2949 S27E S2\" id=\"t1g_131\">43,615 </span><span class=\"S294A S27E S2\" id=\"t1h_131\">53,403 </span><span class=\"S294B S27E S2\" id=\"t1i_131\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_131\">295,977 </span><span class=\"S294D S27E S2\" id=\"t1k_131\">249,131 </span><span class=\"S2A43 S27E S2\" id=\"t1l_131\">1,114,027 </span><span class=\"S294F S27E S2\" id=\"t1m_131\">544,167 </span><span class=\"S2A44 S27E S2\" id=\"t1n_131\">40,798 </span><span class=\"S2951 S27E S2\" id=\"t1o_131\">2,244,100 </span><span class=\"S2952 S27E S2\" id=\"t1p_131\">Securities at amortized cost </span><span class=\"S2A45 S27E S2\" id=\"t1q_131\">34,190 </span><span class=\"S2954 S27E S2\" id=\"t1r_131\">482,530 </span><span class=\"S2955 S27E S2\" id=\"t1s_131\">2,146,652 </span><span class=\"S2956 S27E S2\" id=\"t1t_131\">1,202,747 </span><span class=\"S2957 S27E S2\" id=\"t1u_131\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_131\">3,866,119 </span><span class=\"S2959 S27E S2\" id=\"t1w_131\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_131\">1,827,131 </span><span class=\"S295B S27E S2\" id=\"t1y_131\">2,599,854 </span><span class=\"S295C S27E S2\" id=\"t1z_131\">5,897,202 </span><span class=\"S295D S27E S2\" id=\"t20_131\">4,742,146 </span><span class=\"S2A46 S27E S2\" id=\"t21_131\">136,975 </span><span class=\"S295F S27E S2\" id=\"t22_131\">15,203,308 </span><span class=\"S2960 S27E S2\" id=\"t23_131\">Finance lease receivable </span><span class=\"S2A47 S27E S2\" id=\"t24_131\">124,074 </span><span class=\"S2962 S27E S2\" id=\"t25_131\">307,745 </span><span class=\"S2A48 S27E S2\" id=\"t26_131\">770,154 </span><span class=\"S2964 S27E S2\" id=\"t27_131\">48,636 </span><span class=\"S2965 S27E S2\" id=\"t28_131\">- </span><span class=\"S2966 S27E S2\" id=\"t29_131\">1,250,609 </span><span class=\"S2967 S27E S2\" id=\"t2a_131\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_131\">30,164 </span><span class=\"S2969 S27E S2\" id=\"t2c_131\">31,662 </span><span class=\"S296A S27E S2\" id=\"t2d_131\">221,069 </span><span class=\"S296B S27E S2\" id=\"t2e_131\">835,014 </span><span class=\"S296C S27E S2\" id=\"t2f_131\">- </span><span class=\"S296D S27E S2\" id=\"t2g_131\">1,117,909 </span><span class=\"S296E S27E S2\" id=\"t2h_131\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_131\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_131\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_131\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_131\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_131\">79,736 </span><span class=\"S2974 S27E S2\" id=\"t2n_131\">79,736 </span><span class=\"S2975 S27E S2\" id=\"t2o_131\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_131\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_131\">130,133 </span><span class=\"S2978 S27E S2\" id=\"t2r_131\">3,244 </span><span class=\"S2979 S27E S2\" id=\"t2s_131\">6,265 </span><span class=\"S297A S27E S2\" id=\"t2t_131\">3,270 </span><span class=\"S297B S27E S2\" id=\"t2u_131\">9,804 </span><span class=\"S297C S27E S2\" id=\"t2v_131\">152,716 </span><span class=\"S297D S27D S2\" id=\"t2w_131\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_131\">6,404,371 </span><span class=\"S297F S27D S2\" id=\"t2y_131\">3,757,647 </span><span class=\"S2980 S27D S2\" id=\"t2z_131\">10,347,663 </span><span class=\"S2981 S27D S2\" id=\"t30_131\">7,457,293 </span><span class=\"S2982 S27D S2\" id=\"t31_131\">312,666 </span><span class=\"S2983 S27D S2\" id=\"t32_131\">28,279,640 </span><span class=\"S2984 S27E S2\" id=\"t33_131\">Amounts due to banks, the National Governments, </span><span class=\"S2A49 S27E S2\" id=\"t34_131\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_131\">332,330 </span><span class=\"S2987 S27E S2\" id=\"t36_131\">173,171 </span><span class=\"S2988 S27E S2\" id=\"t37_131\">704,505 </span><span class=\"S2989 S27E S2\" id=\"t38_131\">366,025 </span><span class=\"S298A S27E S2\" id=\"t39_131\">- </span><span class=\"S298B S27E S2\" id=\"t3a_131\">1,576,031 </span><span class=\"S298C S27E S2\" id=\"t3b_131\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_131\">79,045 </span><span class=\"S2A4A S27E S2\" id=\"t3d_131\">- </span><span class=\"S2A4B S27E S2\" id=\"t3e_131\">2 </span><span class=\"S2990 S27E S2\" id=\"t3f_131\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_131\">- </span><span class=\"S2A4C S27E S2\" id=\"t3h_131\">79,047 </span><span class=\"S2993 S27E S2\" id=\"t3i_131\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_131\">530 </span><span class=\"S2995 S27E S2\" id=\"t3k_131\">1,253 </span><span class=\"S2996 S27E S2\" id=\"t3l_131\">4,421 </span><span class=\"S2997 S27E S2\" id=\"t3m_131\">34,980 </span><span class=\"S2998 S27E S2\" id=\"t3n_131\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_131\">41,184 </span><span class=\"S299A S27E S2\" id=\"t3p_131\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_131\">19,593,347 </span><span class=\"S2A4D S27E S2\" id=\"t3r_131\">997,565 </span><span class=\"S299D S27E S2\" id=\"t3s_131\">336,246 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_131\">148,580 </span><span class=\"S299E S27E S2\" id=\"t3u_131\">- </span><span class=\"S299F S27E S2\" id=\"t3v_131\">21,075,738 </span><span class=\"S29A0 S27E S2\" id=\"t3w_131\">Liabilities from issued securities </span><span class=\"S2A4E S27E S2\" id=\"t3x_131\">6,702 </span><span class=\"S2A4F S27E S2\" id=\"t3y_131\">2,664 </span><span class=\"S29A3 S27E S2\" id=\"t3z_131\">303,223 </span><span class=\"S29A4 S27E S2\" id=\"t40_131\">159,139 </span><span class=\"S29A5 S27E S2\" id=\"t41_131\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_131\">471,728 </span><span class=\"S29A7 S27E S2\" id=\"t43_131\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_131\">3,060 </span><span class=\"S29A9 S27E S2\" id=\"t45_131\">9,058 </span><span class=\"S29AA S27E S2\" id=\"t46_131\">27,307 </span><span class=\"S29AB S27E S2\" id=\"t47_131\">15,530 </span><span class=\"S2A50 S27E S2\" id=\"t48_131\">- </span><span class=\"S29AD S27E S2\" id=\"t49_131\">54,955 </span><span class=\"S29AE S27E S2\" id=\"t4a_131\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_131\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_131\">465,022 </span><span class=\"S29B1 S27E S2\" id=\"t4d_131\">26,311 </span><span class=\"S29B2 S27E S2\" id=\"t4e_131\">10,312 </span><span class=\"S29B3 S27E S2\" id=\"t4f_131\">674 </span><span class=\"S29B4 S27E S2\" id=\"t4g_131\">6,235 </span><span class=\"S29B5 S27E S2\" id=\"t4h_131\">508,554 </span><span class=\"S29B6 S27E S2\" id=\"t4i_131\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_131\">2,886 </span><span class=\"S29B8 S27E S2\" id=\"t4k_131\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_131\">7,495 </span><span class=\"S29BA S27E S2\" id=\"t4m_131\">269,698 </span><span class=\"S29BB S27E S2\" id=\"t4n_131\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_131\">280,079 </span><span class=\"S29BD S27D S2\" id=\"t4p_131\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_131\">20,482,922 </span><span class=\"S29BF S27D S2\" id=\"t4r_131\">1,210,022 </span><span class=\"S29C0 S27D S2\" id=\"t4s_131\">1,393,511 </span><span class=\"S29C1 S27D S2\" id=\"t4t_131\">994,626 </span><span class=\"S29C2 S27D S2\" id=\"t4u_131\">6,235 </span><span class=\"S29C3 S27D S2\" id=\"t4v_131\">24,087,316 </span><span class=\"S29C4 S27D S2\" id=\"t4w_131\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_131\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_131\">(14,078,551) </span><span class=\"S29C7 S27D S2\" id=\"t4z_131\">2,547,625 </span><span class=\"S29C8 S27D S2\" id=\"t50_131\">8,954,152 </span><span class=\"S29C9 S27D S2\" id=\"t51_131\">6,462,667 </span><span class=\"S29CA S27D S2\" id=\"t52_131\">306,431 </span><span class=\"S29CB S27D S2\" id=\"t53_131\">4,192,324 </span><span class=\"S29CC S482 S2\" id=\"t54_131\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_131\">Without derivative financial instruments </span><span class=\"S29CE S482 S2\" id=\"t56_131\">2 </span><span class=\"S2A51 S483 S2\" id=\"t57_131\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S2A52 S483 S2\" id=\"t58_131\">demand deposits are presented in the </span><span class=\"S2A53 S1A84 S2\" id=\"t59_131\">earliest (within 3 month) period category, however based on the Management\u2019s discretion the Group has appropriate liquidity r </span><span class=\"S2A54 S483 S2\" id=\"t5a_131\">eserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5b_131\">risk. </span><span class=\"S291A SB S2\" id=\"t5_132\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_132\">2021 </span><span class=\"S29D5 S27D S2\" id=\"t7_132\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_132\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_132\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_132\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_132\">months </span><span class=\"S29DA S27D S2\" id=\"tc_132\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_132\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_132\">year </span><span class=\"S29DD S27D S2\" id=\"tf_132\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_132\">Without </span><span class=\"S29DF S27D S2\" id=\"th_132\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_132\">Total </span><span class=\"S2A55 S27E S2\" id=\"tj_132\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_132\">4,396,050 </span><span class=\"S29E3 S27E S2\" id=\"tl_132\">1,993,311 </span><span class=\"S29E4 S27E S2\" id=\"tm_132\">302,924 </span><span class=\"S29E5 S27E S2\" id=\"tn_132\">151,959 </span><span class=\"S29E6 S27E S2\" id=\"to_132\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_132\">6,844,244 </span><span class=\"S29E8 S27E S2\" id=\"tq_132\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_132\">(4,349,598) </span><span class=\"S29EA S27E S2\" id=\"ts_132\">(1,991,763) </span><span class=\"S29EB S27E S2\" id=\"tt_132\">(296,648) </span><span class=\"S29EC S27E S2\" id=\"tu_132\">(146,398) </span><span class=\"S29ED S27E S2\" id=\"tv_132\">- </span><span class=\"S2A56 S27E S2\" id=\"tw_132\">(6,784,407) </span><span class=\"S29EF S27D S2\" id=\"tx_132\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_132\">held for trading </span><span class=\"S2A57 S27D S2\" id=\"tz_132\">46,452 </span><span class=\"S2A58 S27D S2\" id=\"t10_132\">1,548 </span><span class=\"S2A59 S27D S2\" id=\"t11_132\">6,276 </span><span class=\"S2A5A S27D S2\" id=\"t12_132\">5,561 </span><span class=\"S29F5 S27D S2\" id=\"t13_132\">- </span><span class=\"S2A5B S27D S2\" id=\"t14_132\">59,837 </span><span class=\"S29F7 S27E S2\" id=\"t15_132\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_132\">designated as hedge accounting </span><span class=\"S2A5C S27E S2\" id=\"t17_132\">5,693 </span><span class=\"S2A5D S27E S2\" id=\"t18_132\">37,815 </span><span class=\"S29FB S27E S2\" id=\"t19_132\">580,489 </span><span class=\"S29FC S27E S2\" id=\"t1a_132\">16,195 </span><span class=\"S29FD S27E S2\" id=\"t1b_132\">- </span><span class=\"S2A5E S27E S2\" id=\"t1c_132\">640,192 </span><span class=\"S2A5F S27E S2\" id=\"t1d_132\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_132\">designated as hedge accounting </span><span class=\"S2A60 S27E S2\" id=\"t1f_132\">(7,765) </span><span class=\"S2A61 S27E S2\" id=\"t1g_132\">(47,374) </span><span class=\"S2A62 S27E S2\" id=\"t1h_132\">(595,938) </span><span class=\"S2A04 S27E S2\" id=\"t1i_132\">(16,417) </span><span class=\"S2A05 S27E S2\" id=\"t1j_132\">- </span><span class=\"S2A63 S27E S2\" id=\"t1k_132\">(667,494) </span><span class=\"S2A07 S27D S2\" id=\"t1l_132\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_132\">as hedge accounting </span><span class=\"S2A64 S27D S2\" id=\"t1n_132\">(2,072) </span><span class=\"S2A65 S27D S2\" id=\"t1o_132\">(9,559) </span><span class=\"S2A66 S27D S2\" id=\"t1p_132\">(15,449) </span><span class=\"S2A67 S27D S2\" id=\"t1q_132\">(222) </span><span class=\"S2A0D S27D S2\" id=\"t1r_132\">- </span><span class=\"S2A68 S27D S2\" id=\"t1s_132\">(27,302) </span><span class=\"S2A69 S27D S2\" id=\"t1t_132\">Net position of derivative financial instruments total </span><span class=\"S2A6A S27D S2\" id=\"t1u_132\">44,380 </span><span class=\"S2A6B S27D S2\" id=\"t1v_132\">(8,011) </span><span class=\"S2A6C S27D S2\" id=\"t1w_132\">(9,173) </span><span class=\"S2A6D S27D S2\" id=\"t1x_132\">5,339 </span><span class=\"S2A14 S27D S2\" id=\"t1y_132\">- </span><span class=\"S2A6E S27D S2\" id=\"t1z_132\">32,535 </span><span class=\"S2A16 S27E S2\" id=\"t20_132\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_132\">3,749,199 </span><span class=\"S2A18 S27E S2\" id=\"t22_132\">234,503 </span><span class=\"S2A19 S27E S2\" id=\"t23_132\">74,915 </span><span class=\"S2A1A S27E S2\" id=\"t24_132\">6,385 </span><span class=\"S2A1B S27E S2\" id=\"t25_132\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_132\">4,065,002 </span><span class=\"S2A1D S27E S2\" id=\"t27_132\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_132\">532,445 </span><span class=\"S2A1F S27E S2\" id=\"t29_132\">347,448 </span><span class=\"S2A20 S27E S2\" id=\"t2a_132\">307,030 </span><span class=\"S2A21 S27E S2\" id=\"t2b_132\">106,918 </span><span class=\"S2A22 S27E S2\" id=\"t2c_132\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_132\">1,293,841 </span><span class=\"S2A6F S27E S2\" id=\"t2e_132\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_132\">61,124 </span><span class=\"S2A26 S27E S2\" id=\"t2g_132\">2,937 </span><span class=\"S2A27 S27E S2\" id=\"t2h_132\">853 </span><span class=\"S2A70 S27E S2\" id=\"t2i_132\">163 </span><span class=\"S2A29 S27E S2\" id=\"t2j_132\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_132\">65,077 </span><span class=\"S2A2B S27E S2\" id=\"t2l_132\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_132\">464,341 </span><span class=\"S2A71 S27E S2\" id=\"t2n_132\">- </span><span class=\"S2A2E S27E S2\" id=\"t2o_132\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_132\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_132\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_132\">464,341 </span><span class=\"S2A32 S27D S2\" id=\"t2s_132\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_132\">4,807,109 </span><span class=\"S2A34 S27D S2\" id=\"t2u_132\">584,888 </span><span class=\"S2A35 S27D S2\" id=\"t2v_132\">382,798 </span><span class=\"S2A36 S27D S2\" id=\"t2w_132\">113,466 </span><span class=\"S2A37 S27D S2\" id=\"t2x_132\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_132\">5,888,261 </span><span class=\"S7D9 SB S2\" id=\"t5_133\">37.3. </span><span class=\"S2A72 SB S2\" id=\"t6_133\">Net foreign currency position and foreign currency risk </span><span class=\"S2A73 SB S2\" id=\"t7_133\">2022 </span><span class=\"S2A74 SB S2\" id=\"t8_133\">USD </span><span class=\"S2A75 SB S2\" id=\"t9_133\">EUR </span><span class=\"S2A76 SB S2\" id=\"ta_133\">CHF </span><span class=\"S2A77 SB S2\" id=\"tb_133\">Other </span><span class=\"S2A78 SB S2\" id=\"tc_133\">Total </span><span class=\"S2A79 SA7 S2\" id=\"td_133\">Assets </span><span class=\"S2A7A SA7 S2\" id=\"te_133\">1,092,435 </span><span class=\"S2A7B SA7 S2\" id=\"tf_133\">9,990,818 </span><span class=\"S2A7C SA7 S2\" id=\"tg_133\">50,641 </span><span class=\"S2A7D SA7 S2\" id=\"th_133\">9,646,119 </span><span class=\"S2A7E SA7 S2\" id=\"ti_133\">20,780,013 </span><span class=\"S2A7F SA7 S2\" id=\"tj_133\">Liabilities </span><span class=\"S2A80 SA7 S2\" id=\"tk_133\">(1,523,947) </span><span class=\"S2A81 SA7 S2\" id=\"tl_133\">(9,320,156) </span><span class=\"S2A82 SA7 S2\" id=\"tm_133\">(148,570) </span><span class=\"S2A83 SA7 S2\" id=\"tn_133\">(7,646,515) </span><span class=\"S2A84 SA7 S2\" id=\"to_133\">(18,639,188) </span><span class=\"S2A85 SA7 S2\" id=\"tp_133\">Derivative financial </span><span class=\"S2A86 SA7 S2\" id=\"tq_133\">instruments </span><span class=\"S2A87 SA7 S2\" id=\"tr_133\">499,444 </span><span class=\"S2A88 SA7 S2\" id=\"ts_133\">1,014,423 </span><span class=\"S2A89 SA7 S2\" id=\"tt_133\">161,697 </span><span class=\"S2A8A SA7 S2\" id=\"tu_133\">(355,391) </span><span class=\"S2A8B SA7 S2\" id=\"tv_133\">1,320,173 </span><span class=\"S2A8C SB S2\" id=\"tw_133\">Net position </span><span class=\"S2A8D SB S2\" id=\"tx_133\">67,932 </span><span class=\"S2A8E SB S2\" id=\"ty_133\">1,685,085 </span><span class=\"S2A8F SB S2\" id=\"tz_133\">63,768 </span><span class=\"S2A90 SB S2\" id=\"t10_133\">1,644,213 </span><span class=\"S2A91 SB S2\" id=\"t11_133\">3,460,998 </span><span class=\"S2A92 SB S2\" id=\"t12_133\">2021 </span><span class=\"S2A93 SB S2\" id=\"t13_133\">USD </span><span class=\"S2A94 SB S2\" id=\"t14_133\">EUR </span><span class=\"S2A95 SB S2\" id=\"t15_133\">CHF </span><span class=\"S2A96 SB S2\" id=\"t16_133\">Other </span><span class=\"S2A97 SB S2\" id=\"t17_133\">Total </span><span class=\"S2A98 SA7 S2\" id=\"t18_133\">Assets </span><span class=\"S2A99 SA7 S2\" id=\"t19_133\">1,163,960 </span><span class=\"S2A9A SA7 S2\" id=\"t1a_133\">7,661,460 </span><span class=\"S2A9B SA7 S2\" id=\"t1b_133\">88,639 </span><span class=\"S2A9C SA7 S2\" id=\"t1c_133\">7,677,060 </span><span class=\"S2A9D SA7 S2\" id=\"t1d_133\">16,591,119 </span><span class=\"S2A9E SA7 S2\" id=\"t1e_133\">Liabilities </span><span class=\"S2A9F SA7 S2\" id=\"t1f_133\">(1,013,972) </span><span class=\"S2AA0 SA7 S2\" id=\"t1g_133\">(6,769,472) </span><span class=\"S2AA1 SA7 S2\" id=\"t1h_133\">(107,902) </span><span class=\"S2AA2 SA7 S2\" id=\"t1i_133\">(5,971,941) </span><span class=\"S2AA3 SA7 S2\" id=\"t1j_133\">(13,863,287) </span><span class=\"S2AA4 SA7 S2\" id=\"t1k_133\">Derivative financial </span><span class=\"S2AA5 SA7 S2\" id=\"t1l_133\">instruments </span><span class=\"S2AA6 SA7 S2\" id=\"t1m_133\">(186,774) </span><span class=\"S2AA7 SA7 S2\" id=\"t1n_133\">(371,225) </span><span class=\"S2AA8 SA7 S2\" id=\"t1o_133\">32,021 </span><span class=\"S2AA9 SA7 S2\" id=\"t1p_133\">(101,951) </span><span class=\"S2AAA SA7 S2\" id=\"t1q_133\">(627,929) </span><span class=\"S2AAB SB S2\" id=\"t1r_133\">Net position </span><span class=\"S2AAC SB S2\" id=\"t1s_133\">(36,786) </span><span class=\"S2AAD SB S2\" id=\"t1t_133\">520,763 </span><span class=\"S2AAE SB S2\" id=\"t1u_133\">12,758 </span><span class=\"S2AAF SB S2\" id=\"t1v_133\">1,603,168 </span><span class=\"S2AB0 SB S2\" id=\"t1w_133\">2,099,903 </span><span class=\"S2AB1 SA7 S2\" id=\"t1x_133\">The table above provides an analysis of the main foreign currency exposures of the Group that arise in the non- </span><span class=\"S2AB2 SA7 S2\" id=\"t1y_133\">functional currency of the entities constituting the Group. The remaining foreign currencies are shown within </span><span class=\"S2AB3 S5B9 S2\" id=\"t1z_133\">\u2018Others\u2019. \u2018Others\u2019 category contains mainly foreign currencies </span><span class=\"S2AB4 SA7 S2\" id=\"t20_133\">in RON, RSD, HRK, UAH, RUB, BGN, ALL and </span><span class=\"S2AB5 SA7 S2\" id=\"t21_133\">MDL. The Group monitors its foreign exchange position for compliance with the regulatory requirements of the </span><span class=\"S2AB6 SA7 S2\" id=\"t22_133\">National Banks and its own limit system established in respect of limits on open positions. The measurement of </span><span class=\"S2AB7 S5B9 S2\" id=\"t23_133\">the open foreign currency position of the Group involves monitoring the \u201cVaR\u201d limit on the foreign exchange </span><span class=\"S9E7 SA7 S2\" id=\"t24_133\">exposure of the Group. The derivative financial instruments detailed in the table above are presented at fair value. </span><span class=\"S7D9 SB S2\" id=\"t5_134\">37.4. </span><span class=\"S716 SB S2\" id=\"t6_134\">Interest rate risk management </span><span class=\"S1E4A SA7 S2\" id=\"t7_134\">Interest rate risk is the risk that the value of a financial instrument will fluctuate due to changes in market interest </span><span class=\"S2AB9 SA7 S2\" id=\"t8_134\">rates. The length of time for which the rate of interest is fixed on a financial instrument, therefore, indicates to </span><span class=\"S5BF SA7 S2\" id=\"t9_134\">what extent it is exposed to interest rate risk. </span><span class=\"S2ABA SA7 S2\" id=\"ta_134\">The majority of the interest-bearing assets and liabilities of the Group are structured to match either short-term </span><span class=\"S2ABB SA7 S2\" id=\"tb_134\">assets and short-term liabilities, or long-term assets and liabilities with repricing opportunities within one year, or </span><span class=\"S71C SA7 S2\" id=\"tc_134\">long-term assets and corresponding liabilities where repricing is performed simultaneously. </span><span class=\"S2ABC SA7 S2\" id=\"td_134\">In addition, the significant spread existing between the different types of interest-bearing assets and liabilities </span><span class=\"S2ABD SA7 S2\" id=\"te_134\">enables the Group to benefit from a high level of flexibility in adjusting for its interest rate matching and interest </span><span class=\"S2ABE SA7 S2\" id=\"tf_134\">rate risk exposure. </span><span class=\"S9D9 SA7 S2\" id=\"tg_134\">The following table presents the interest repricing periods of the assets and liabilities. Variable yield assets and </span><span class=\"S2ABF SA7 S2\" id=\"th_134\">liabilities have been reported in accordance with their next repricing date. Fixed income assets and liabilities have </span><span class=\"S2AC0 SA7 S2\" id=\"ti_134\">been reported in accordance with their maturity. </span><span class=\"S2AC1 SB S2\" id=\"t5_135\">37.4.  Interest rate risk management [continued] </span><span class=\"S2AC2 SB S2\" id=\"t6_135\">As at 31 December 2022 </span><span class=\"S2AC3 S2669 S2\" id=\"t7_135\">ASSETS </span><span class=\"S2AC4 S2669 S2\" id=\"t8_135\">Within 1 month </span><span class=\"S2AC5 S2669 S2\" id=\"t9_135\">Over 1 month and </span><span class=\"S2AC6 S2669 S2\" id=\"ta_135\">Within 3 months </span><span class=\"S2AC7 S2669 S2\" id=\"tb_135\">Over 3 months and </span><span class=\"S2AC8 S2669 S2\" id=\"tc_135\">Within 12 months </span><span class=\"S2AC9 S2669 S2\" id=\"td_135\">Over 1 year and </span><span class=\"S2ACA S2669 S2\" id=\"te_135\">Within 2 years </span><span class=\"S2ACB S2669 S2\" id=\"tf_135\">Over 2 years </span><span class=\"S2ACC S2669 S2\" id=\"tg_135\">Non-interest- </span><span class=\"S2ACD S2669 S2\" id=\"th_135\">bearing </span><span class=\"S2ACE S2669 S2\" id=\"ti_135\">Total </span><span class=\"S2ACF S2669 S2\" id=\"tj_135\">Total </span><span class=\"S2AD0 S2669 S2\" id=\"tk_135\">HUF </span><span class=\"S2AD1 S2669 S2\" id=\"tl_135\">Currency </span><span class=\"S2AD2 S2669 S2\" id=\"tm_135\">HUF </span><span class=\"S2AD3 S2669 S2\" id=\"tn_135\">Currency </span><span class=\"S2AD4 S2669 S2\" id=\"to_135\">HUF </span><span class=\"S2AD5 S2669 S2\" id=\"tp_135\">Currency </span><span class=\"S2AD6 S2669 S2\" id=\"tq_135\">HUF </span><span class=\"S2AD7 S2669 S2\" id=\"tr_135\">Currency </span><span class=\"S2AD8 S2669 S2\" id=\"ts_135\">HUF </span><span class=\"S2AD9 S2669 S2\" id=\"tt_135\">Currency </span><span class=\"S2ADA S2669 S2\" id=\"tu_135\">HUF </span><span class=\"S2ADB S2669 S2\" id=\"tv_135\">Currency </span><span class=\"S2ADC S2669 S2\" id=\"tw_135\">HUF </span><span class=\"S2ADD S2669 S2\" id=\"tx_135\">Currency </span><span class=\"S2ADE S2669 S2\" id=\"ty_135\">Cash, amounts due from banks and balances </span><span class=\"S2ADF S2669 S2\" id=\"tz_135\">with the </span><span class=\"S2AE0 S2669 S2\" id=\"t10_135\">National Banks </span><span class=\"S2AE1 S2669 S2\" id=\"t11_135\">641,960 </span><span class=\"S2AE2 S2669 S2\" id=\"t12_135\">1,166,289 </span><span class=\"S2AE3 S2669 S2\" id=\"t13_135\">309 </span><span class=\"S2AE4 S2669 S2\" id=\"t14_135\">14,649 </span><span class=\"S2AE5 S2669 S2\" id=\"t15_135\">- </span><span class=\"S2AE6 S2669 S2\" id=\"t16_135\">28,967 </span><span class=\"S2AE7 S2669 S2\" id=\"t17_135\">- </span><span class=\"S2AE8 S2669 S2\" id=\"t18_135\">20,323 </span><span class=\"S2AE9 S2669 S2\" id=\"t19_135\">- </span><span class=\"S2AEA S2669 S2\" id=\"t1a_135\">14,550 </span><span class=\"S2AEB S2669 S2\" id=\"t1b_135\">183,201 </span><span class=\"S2AEC S2669 S2\" id=\"t1c_135\">2,151,144 </span><span class=\"S2AED S2669 S2\" id=\"t1d_135\">825,470 </span><span class=\"S2AEE S2669 S2\" id=\"t1e_135\">3,395,922 </span><span class=\"S2AEF S2669 S2\" id=\"t1f_135\">4,221,392 </span><span class=\"S2AF0 S266A S2\" id=\"t1g_135\">fixed rate </span><span class=\"S2AF1 S266A S2\" id=\"t1h_135\">641,503 </span><span class=\"S2AF2 S266A S2\" id=\"t1i_135\">1,085,631 </span><span class=\"S2AF3 S266A S2\" id=\"t1j_135\">- </span><span class=\"S2AF4 S266A S2\" id=\"t1k_135\">- </span><span class=\"S2AF5 S266A S2\" id=\"t1l_135\">- </span><span class=\"S2AF6 S266A S2\" id=\"t1m_135\">4,941 </span><span class=\"S2AF7 S266A S2\" id=\"t1n_135\">- </span><span class=\"S2AF8 S266A S2\" id=\"t1o_135\">- </span><span class=\"S2AF9 S266A S2\" id=\"t1p_135\">- </span><span class=\"S2AFA S266A S2\" id=\"t1q_135\">- </span><span class=\"S2AFB S266A S2\" id=\"t1r_135\">- </span><span class=\"S2AFC S266A S2\" id=\"t1s_135\">- </span><span class=\"S2AFD S266A S2\" id=\"t1t_135\">641,503 </span><span class=\"S2AFE S266A S2\" id=\"t1u_135\">1,090,572 </span><span class=\"S2AFF S2669 S2\" id=\"t1v_135\">1,732,075 </span><span class=\"S2B00 S266A S2\" id=\"t1w_135\">variable rate </span><span class=\"S2B01 S266A S2\" id=\"t1x_135\">457 </span><span class=\"S2B02 S266A S2\" id=\"t1y_135\">80,658 </span><span class=\"S2B03 S266A S2\" id=\"t1z_135\">309 </span><span class=\"S2B04 S266A S2\" id=\"t20_135\">14,649 </span><span class=\"S2B05 S266A S2\" id=\"t21_135\">- </span><span class=\"S2B06 S266A S2\" id=\"t22_135\">24,026 </span><span class=\"S2B07 S266A S2\" id=\"t23_135\">- </span><span class=\"S2B08 S266A S2\" id=\"t24_135\">20,323 </span><span class=\"S2B09 S266A S2\" id=\"t25_135\">- </span><span class=\"S2B0A S266A S2\" id=\"t26_135\">14,550 </span><span class=\"S2B0B S266A S2\" id=\"t27_135\">- </span><span class=\"S2B0C S266A S2\" id=\"t28_135\">- </span><span class=\"S2B0D S266A S2\" id=\"t29_135\">766 </span><span class=\"S2B0E S266A S2\" id=\"t2a_135\">154,206 </span><span class=\"S2B0F S2669 S2\" id=\"t2b_135\">154,972 </span><span class=\"S2B10 S266A S2\" id=\"t2c_135\">non-interest-bearing </span><span class=\"S2B11 S266A S2\" id=\"t2d_135\">- </span><span class=\"S2B12 S266A S2\" id=\"t2e_135\">- </span><span class=\"S2B13 S266A S2\" id=\"t2f_135\">- </span><span class=\"S2B14 S266A S2\" id=\"t2g_135\">- </span><span class=\"S2B15 S266A S2\" id=\"t2h_135\">- </span><span class=\"S2B16 S266A S2\" id=\"t2i_135\">- </span><span class=\"S2B17 S266A S2\" id=\"t2j_135\">- </span><span class=\"S2B18 S266A S2\" id=\"t2k_135\">- </span><span class=\"S2B19 S266A S2\" id=\"t2l_135\">- </span><span class=\"S2B1A S266A S2\" id=\"t2m_135\">- </span><span class=\"S2B1B S266A S2\" id=\"t2n_135\">183,201 </span><span class=\"S2B1C S266A S2\" id=\"t2o_135\">2,151,144 </span><span class=\"S2B1D S266A S2\" id=\"t2p_135\">183,201 </span><span class=\"S2B1E S266A S2\" id=\"t2q_135\">2,151,144 </span><span class=\"S2B1F S2669 S2\" id=\"t2r_135\">2,334,345 </span><span class=\"S2B20 S2669 S2\" id=\"t2s_135\">Placements with other banks </span><span class=\"S2B21 S2669 S2\" id=\"t2t_135\">682,568 </span><span class=\"S2B22 S2669 S2\" id=\"t2u_135\">345,915 </span><span class=\"S2B23 S2669 S2\" id=\"t2v_135\">46,805 </span><span class=\"S2B24 S2669 S2\" id=\"t2w_135\">37,222 </span><span class=\"S2B25 S2669 S2\" id=\"t2x_135\">100,744 </span><span class=\"S2B26 S2669 S2\" id=\"t2y_135\">2,007 </span><span class=\"S2B27 S2669 S2\" id=\"t2z_135\">- </span><span class=\"S2B28 S2669 S2\" id=\"t30_135\">28 </span><span class=\"S2B29 S2669 S2\" id=\"t31_135\">- </span><span class=\"S2B2A S2669 S2\" id=\"t32_135\">22,016 </span><span class=\"S2B2B S2669 S2\" id=\"t33_135\">48,754 </span><span class=\"S2B2C S2669 S2\" id=\"t34_135\">65,023 </span><span class=\"S2B2D S2669 S2\" id=\"t35_135\">878,871 </span><span class=\"S2B2E S2669 S2\" id=\"t36_135\">472,211 </span><span class=\"S2B2F S2669 S2\" id=\"t37_135\">1,351,082 </span><span class=\"S2B30 S266A S2\" id=\"t38_135\">fixed rate </span><span class=\"S2B31 S266A S2\" id=\"t39_135\">2,151 </span><span class=\"S2B32 S266A S2\" id=\"t3a_135\">239,634 </span><span class=\"S2B33 S266A S2\" id=\"t3b_135\">6,542 </span><span class=\"S2B34 S266A S2\" id=\"t3c_135\">37,222 </span><span class=\"S2B35 S266A S2\" id=\"t3d_135\">352 </span><span class=\"S2B36 S266A S2\" id=\"t3e_135\">- </span><span class=\"S2B37 S266A S2\" id=\"t3f_135\">- </span><span class=\"S2B38 S266A S2\" id=\"t3g_135\">28 </span><span class=\"S2B39 S266A S2\" id=\"t3h_135\">- </span><span class=\"S2B3A S266A S2\" id=\"t3i_135\">22,016 </span><span class=\"S2B3B S266A S2\" id=\"t3j_135\">- </span><span class=\"S2B3C S266A S2\" id=\"t3k_135\">- </span><span class=\"S2B3D S266A S2\" id=\"t3l_135\">9,045 </span><span class=\"S2B3E S266A S2\" id=\"t3m_135\">298,900 </span><span class=\"S2B3F S2669 S2\" id=\"t3n_135\">307,945 </span><span class=\"S2B40 S266A S2\" id=\"t3o_135\">variable rate </span><span class=\"S2B41 S266A S2\" id=\"t3p_135\">680,417 </span><span class=\"S2B42 S266A S2\" id=\"t3q_135\">106,281 </span><span class=\"S2B43 S266A S2\" id=\"t3r_135\">40,263 </span><span class=\"S2B44 S266A S2\" id=\"t3s_135\">- </span><span class=\"S2B45 S266A S2\" id=\"t3t_135\">100,392 </span><span class=\"S2B46 S266A S2\" id=\"t3u_135\">2,007 </span><span class=\"S2B47 S266A S2\" id=\"t3v_135\">- </span><span class=\"S2B48 S266A S2\" id=\"t3w_135\">- </span><span class=\"S2B49 S266A S2\" id=\"t3x_135\">- </span><span class=\"S2B4A S266A S2\" id=\"t3y_135\">- </span><span class=\"S2B4B S266A S2\" id=\"t3z_135\">- </span><span class=\"S2B4C S266A S2\" id=\"t40_135\">- </span><span class=\"S2B4D S266A S2\" id=\"t41_135\">821,072 </span><span class=\"S2B4E S266A S2\" id=\"t42_135\">108,288 </span><span class=\"S2B4F S2669 S2\" id=\"t43_135\">929,360 </span><span class=\"S2B50 S266A S2\" id=\"t44_135\">non-interest-bearing </span><span class=\"S2B51 S266A S2\" id=\"t45_135\">- </span><span class=\"S2B52 S266A S2\" id=\"t46_135\">- </span><span class=\"S2B53 S266A S2\" id=\"t47_135\">- </span><span class=\"S2B54 S266A S2\" id=\"t48_135\">- </span><span class=\"S2B55 S266A S2\" id=\"t49_135\">- </span><span class=\"S2B56 S266A S2\" id=\"t4a_135\">- </span><span class=\"S268A S266A S2\" id=\"t4b_135\">- </span><span class=\"S2B57 S266A S2\" id=\"t4c_135\">- </span><span class=\"S2B58 S266A S2\" id=\"t4d_135\">- </span><span class=\"S2B59 S266A S2\" id=\"t4e_135\">- </span><span class=\"S2B5A S266A S2\" id=\"t4f_135\">48,754 </span><span class=\"S2B5B S266A S2\" id=\"t4g_135\">65,023 </span><span class=\"S2B5C S266A S2\" id=\"t4h_135\">48,754 </span><span class=\"S2B5D S266A S2\" id=\"t4i_135\">65,023 </span><span class=\"S2B5E S2669 S2\" id=\"t4j_135\">113,777 </span><span class=\"S2B5F S2669 S2\" id=\"t4k_135\">Repo receivables </span><span class=\"S2B60 S2669 S2\" id=\"t4l_135\">41,009 </span><span class=\"S2B61 S2669 S2\" id=\"t4m_135\">- </span><span class=\"S2B62 S2669 S2\" id=\"t4n_135\">- </span><span class=\"S2B63 S2669 S2\" id=\"t4o_135\">- </span><span class=\"S2B64 S2669 S2\" id=\"t4p_135\">- </span><span class=\"S2B65 S2669 S2\" id=\"t4q_135\">- </span><span class=\"S2B66 S2669 S2\" id=\"t4r_135\">- </span><span class=\"S2B67 S2669 S2\" id=\"t4s_135\">- </span><span class=\"S2B68 S2669 S2\" id=\"t4t_135\">- </span><span class=\"S2B69 S2669 S2\" id=\"t4u_135\">- </span><span class=\"S2B6A S2669 S2\" id=\"t4v_135\">- </span><span class=\"S2B6B S2669 S2\" id=\"t4w_135\">- </span><span class=\"S2B6C S2669 S2\" id=\"t4x_135\">41,009 </span><span class=\"S2B6D S2669 S2\" id=\"t4y_135\">- </span><span class=\"S2B6E S2669 S2\" id=\"t4z_135\">41,009 </span><span class=\"S2B6F S266A S2\" id=\"t50_135\">fixed rate </span><span class=\"S2B70 S266A S2\" id=\"t51_135\">41,009 </span><span class=\"S2B71 S266A S2\" id=\"t52_135\">- </span><span class=\"S2B72 S266A S2\" id=\"t53_135\">- </span><span class=\"S2B73 S266A S2\" id=\"t54_135\">- </span><span class=\"S2B74 S266A S2\" id=\"t55_135\">- </span><span class=\"S2B75 S266A S2\" id=\"t56_135\">- </span><span class=\"S2B76 S266A S2\" id=\"t57_135\">- </span><span class=\"S2B77 S266A S2\" id=\"t58_135\">- </span><span class=\"S2B78 S266A S2\" id=\"t59_135\">- </span><span class=\"S2B79 S266A S2\" id=\"t5a_135\">- </span><span class=\"S2B7A S266A S2\" id=\"t5b_135\">- </span><span class=\"S2B7B S266A S2\" id=\"t5c_135\">- </span><span class=\"S2B7C S266A S2\" id=\"t5d_135\">41,009 </span><span class=\"S2B7D S266A S2\" id=\"t5e_135\">- </span><span class=\"S2B7E S2669 S2\" id=\"t5f_135\">41,009 </span><span class=\"S2B7F S266A S2\" id=\"t5g_135\">variable rate </span><span class=\"S2B80 S266A S2\" id=\"t5h_135\">- </span><span class=\"S2B81 S266A S2\" id=\"t5i_135\">- </span><span class=\"S2B82 S266A S2\" id=\"t5j_135\">- </span><span class=\"S2B83 S266A S2\" id=\"t5k_135\">- </span><span class=\"S2B84 S266A S2\" id=\"t5l_135\">- </span><span class=\"S2B85 S266A S2\" id=\"t5m_135\">- </span><span class=\"S2B86 S266A S2\" id=\"t5n_135\">- </span><span class=\"S2B87 S266A S2\" id=\"t5o_135\">- </span><span class=\"S2B88 S266A S2\" id=\"t5p_135\">- </span><span class=\"S2B89 S266A S2\" id=\"t5q_135\">- </span><span class=\"S2B8A S266A S2\" id=\"t5r_135\">- </span><span class=\"S2B8B S266A S2\" id=\"t5s_135\">- </span><span class=\"S2B8C S266A S2\" id=\"t5t_135\">- </span><span class=\"S2B8D S266A S2\" id=\"t5u_135\">- </span><span class=\"S2B8E S2669 S2\" id=\"t5v_135\">- </span><span class=\"S2B8F S266A S2\" id=\"t5w_135\">non-interest-bearing </span><span class=\"S2B90 S266A S2\" id=\"t5x_135\">- </span><span class=\"S2B91 S266A S2\" id=\"t5y_135\">- </span><span class=\"S2B92 S266A S2\" id=\"t5z_135\">- </span><span class=\"S2B93 S266A S2\" id=\"t60_135\">- </span><span class=\"S2B94 S266A S2\" id=\"t61_135\">- </span><span class=\"S2B95 S266A S2\" id=\"t62_135\">- </span><span class=\"S2B96 S266A S2\" id=\"t63_135\">- </span><span class=\"S2B97 S266A S2\" id=\"t64_135\">- </span><span class=\"S2B98 S266A S2\" id=\"t65_135\">- </span><span class=\"S2B99 S266A S2\" id=\"t66_135\">- </span><span class=\"S2B9A S266A S2\" id=\"t67_135\">- </span><span class=\"S2B9B S266A S2\" id=\"t68_135\">- </span><span class=\"S2B9C S266A S2\" id=\"t69_135\">- </span><span class=\"S2B9D S266A S2\" id=\"t6a_135\">- </span><span class=\"S2B9E S2669 S2\" id=\"t6b_135\">- </span><span class=\"S2B9F S2669 S2\" id=\"t6c_135\">Trading instruments at fair value through </span><span class=\"S2BA0 S2669 S2\" id=\"t6d_135\">profit or loss </span><span class=\"S2BA1 S2669 S2\" id=\"t6e_135\">7,171 </span><span class=\"S2BA2 S2669 S2\" id=\"t6f_135\">1,234 </span><span class=\"S2BA3 S2669 S2\" id=\"t6g_135\">16,157 </span><span class=\"S2BA4 S2669 S2\" id=\"t6h_135\">661 </span><span class=\"S2BA5 S2669 S2\" id=\"t6i_135\">12,146 </span><span class=\"S2BA6 S2669 S2\" id=\"t6j_135\">4,265 </span><span class=\"S2BA7 S2669 S2\" id=\"t6k_135\">21,882 </span><span class=\"S2BA8 S2669 S2\" id=\"t6l_135\">2,436 </span><span class=\"S2BA9 S2669 S2\" id=\"t6m_135\">27,900 </span><span class=\"S2BAA S2669 S2\" id=\"t6n_135\">9,760 </span><span class=\"S2BAB S2669 S2\" id=\"t6o_135\">124 </span><span class=\"S2BAC S2669 S2\" id=\"t6p_135\">1,014 </span><span class=\"S2BAD S2669 S2\" id=\"t6q_135\">85,380 </span><span class=\"S2BAE S2669 S2\" id=\"t6r_135\">19,370 </span><span class=\"S2BAF S2669 S2\" id=\"t6s_135\">104,750 </span><span class=\"S2BB0 S266A S2\" id=\"t6t_135\">fixed rate </span><span class=\"S2BB1 S266A S2\" id=\"t6u_135\">7,156 </span><span class=\"S2BB2 S266A S2\" id=\"t6v_135\">1,234 </span><span class=\"S2BB3 S266A S2\" id=\"t6w_135\">11,967 </span><span class=\"S2BB4 S266A S2\" id=\"t6x_135\">661 </span><span class=\"S2BB5 S266A S2\" id=\"t6y_135\">3,775 </span><span class=\"S2BB6 S266A S2\" id=\"t6z_135\">4,265 </span><span class=\"S2BB7 S266A S2\" id=\"t70_135\">21,882 </span><span class=\"S2BB8 S266A S2\" id=\"t71_135\">2,436 </span><span class=\"S2BB9 S266A S2\" id=\"t72_135\">27,900 </span><span class=\"S2BBA S266A S2\" id=\"t73_135\">9,760 </span><span class=\"S2BBB S266A S2\" id=\"t74_135\">- </span><span class=\"S2BBC S266A S2\" id=\"t75_135\">- </span><span class=\"S2BBD S266A S2\" id=\"t76_135\">72,680 </span><span class=\"S2BBE S266A S2\" id=\"t77_135\">18,356 </span><span class=\"S2BBF S2669 S2\" id=\"t78_135\">91,036 </span><span class=\"S2BC0 S266A S2\" id=\"t79_135\">variable rate </span><span class=\"S2BC1 S266A S2\" id=\"t7a_135\">15 </span><span class=\"S2BC2 S266A S2\" id=\"t7b_135\">- </span><span class=\"S2BC3 S266A S2\" id=\"t7c_135\">4,190 </span><span class=\"S2BC4 S266A S2\" id=\"t7d_135\">- </span><span class=\"S2BC5 S266A S2\" id=\"t7e_135\">8,371 </span><span class=\"S2BC6 S266A S2\" id=\"t7f_135\">- </span><span class=\"S2BC7 S266A S2\" id=\"t7g_135\">- </span><span class=\"S2BC8 S266A S2\" id=\"t7h_135\">- </span><span class=\"S2BC9 S266A S2\" id=\"t7i_135\">- </span><span class=\"S2BCA S266A S2\" id=\"t7j_135\">- </span><span class=\"S2BCB S266A S2\" id=\"t7k_135\">- </span><span class=\"S2BCC S266A S2\" id=\"t7l_135\">- </span><span class=\"S2BCD S266A S2\" id=\"t7m_135\">12,576 </span><span class=\"S2BCE S266A S2\" id=\"t7n_135\">- </span><span class=\"S2BCF S2669 S2\" id=\"t7o_135\">12,576 </span><span class=\"S2BD0 S266A S2\" id=\"t7p_135\">non-interest-bearing </span><span class=\"S2BD1 S266A S2\" id=\"t7q_135\">- </span><span class=\"S2BD2 S266A S2\" id=\"t7r_135\">- </span><span class=\"S2BD3 S266A S2\" id=\"t7s_135\">- </span><span class=\"S2BD4 S266A S2\" id=\"t7t_135\">- </span><span class=\"S2BD5 S266A S2\" id=\"t7u_135\">- </span><span class=\"S2BD6 S266A S2\" id=\"t7v_135\">- </span><span class=\"S2BD7 S266A S2\" id=\"t7w_135\">- </span><span class=\"S2BD8 S266A S2\" id=\"t7x_135\">- </span><span class=\"S2BD9 S266A S2\" id=\"t7y_135\">- </span><span class=\"S2BDA S266A S2\" id=\"t7z_135\">- </span><span class=\"S2BDB S266A S2\" id=\"t80_135\">124 </span><span class=\"S2BDC S266A S2\" id=\"t81_135\">1,014 </span><span class=\"S2BDD S266A S2\" id=\"t82_135\">124 </span><span class=\"S2BDE S266A S2\" id=\"t83_135\">1,014 </span><span class=\"S2BDF S2669 S2\" id=\"t84_135\">1,138 </span><span class=\"S2BE0 S2669 S2\" id=\"t85_135\">Non-trading instruments mandatorily at fair </span><span class=\"S2BE1 S2669 S2\" id=\"t86_135\">value through profit or loss </span><span class=\"S2BE2 S2669 S2\" id=\"t87_135\">- </span><span class=\"S2BE3 S2669 S2\" id=\"t88_135\">- </span><span class=\"S2BE4 S2669 S2\" id=\"t89_135\">- </span><span class=\"S2BE5 S2669 S2\" id=\"t8a_135\">- </span><span class=\"S2BE6 S2669 S2\" id=\"t8b_135\">- </span><span class=\"S2BE7 S2669 S2\" id=\"t8c_135\">- </span><span class=\"S2BE8 S2669 S2\" id=\"t8d_135\">- </span><span class=\"S2BE9 S2669 S2\" id=\"t8e_135\">- </span><span class=\"S2BEA S2669 S2\" id=\"t8f_135\">- </span><span class=\"S2BEB S2669 S2\" id=\"t8g_135\">- </span><span class=\"S2BEC S2669 S2\" id=\"t8h_135\">30,057 </span><span class=\"S2BED S2669 S2\" id=\"t8i_135\">25,098 </span><span class=\"S2BEE S2669 S2\" id=\"t8j_135\">30,057 </span><span class=\"S2BEF S2669 S2\" id=\"t8k_135\">25,098 </span><span class=\"S2BF0 S2669 S2\" id=\"t8l_135\">55,155 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_135\">fixed rate </span><span class=\"S2BF2 S266A S2\" id=\"t8n_135\">- </span><span class=\"S2BF3 S266A S2\" id=\"t8o_135\">- </span><span class=\"S2BF4 S266A S2\" id=\"t8p_135\">- </span><span class=\"S2BF5 S266A S2\" id=\"t8q_135\">- </span><span class=\"S2BF6 S266A S2\" id=\"t8r_135\">- </span><span class=\"S2BF7 S266A S2\" id=\"t8s_135\">- </span><span class=\"S2BF8 S266A S2\" id=\"t8t_135\">- </span><span class=\"S2BF9 S266A S2\" id=\"t8u_135\">- </span><span class=\"S2BFA S266A S2\" id=\"t8v_135\">- </span><span class=\"S2BFB S266A S2\" id=\"t8w_135\">- </span><span class=\"S2BFC S266A S2\" id=\"t8x_135\">- </span><span class=\"S2BFD S266A S2\" id=\"t8y_135\">- </span><span class=\"S2BFE S266A S2\" id=\"t8z_135\">- </span><span class=\"S2BFF S266A S2\" id=\"t90_135\">- </span><span class=\"S2C00 S2669 S2\" id=\"t91_135\">- </span><span class=\"S2C01 S266A S2\" id=\"t92_135\">variable rate </span><span class=\"S2C02 S266A S2\" id=\"t93_135\">- </span><span class=\"S2C03 S266A S2\" id=\"t94_135\">- </span><span class=\"S2C04 S266A S2\" id=\"t95_135\">- </span><span class=\"S2C05 S266A S2\" id=\"t96_135\">- </span><span class=\"S2C06 S266A S2\" id=\"t97_135\">- </span><span class=\"S2C07 S266A S2\" id=\"t98_135\">- </span><span class=\"S2C08 S266A S2\" id=\"t99_135\">- </span><span class=\"S2C09 S266A S2\" id=\"t9a_135\">- </span><span class=\"S2C0A S266A S2\" id=\"t9b_135\">- </span><span class=\"S2C0B S266A S2\" id=\"t9c_135\">- </span><span class=\"S2C0C S266A S2\" id=\"t9d_135\">- </span><span class=\"S2C0D S266A S2\" id=\"t9e_135\">- </span><span class=\"S2C0E S266A S2\" id=\"t9f_135\">- </span><span class=\"S2C0F S266A S2\" id=\"t9g_135\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9h_135\">- </span><span class=\"S2C11 S266A S2\" id=\"t9i_135\">non-interest-bearing </span><span class=\"S2C12 S266A S2\" id=\"t9j_135\">- </span><span class=\"S2C13 S266A S2\" id=\"t9k_135\">- </span><span class=\"S2C14 S266A S2\" id=\"t9l_135\">- </span><span class=\"S2C15 S266A S2\" id=\"t9m_135\">- </span><span class=\"S2C16 S266A S2\" id=\"t9n_135\">- </span><span class=\"S2C17 S266A S2\" id=\"t9o_135\">- </span><span class=\"S2C18 S266A S2\" id=\"t9p_135\">- </span><span class=\"S2C19 S266A S2\" id=\"t9q_135\">- </span><span class=\"S2C1A S266A S2\" id=\"t9r_135\">- </span><span class=\"S2C1B S266A S2\" id=\"t9s_135\">- </span><span class=\"S2C1C S266A S2\" id=\"t9t_135\">30,057 </span><span class=\"S2C1D S266A S2\" id=\"t9u_135\">25,098 </span><span class=\"S2C1E S266A S2\" id=\"t9v_135\">30,057 </span><span class=\"S2C1F S266A S2\" id=\"t9w_135\">25,098 </span><span class=\"S2C20 S2669 S2\" id=\"t9x_135\">55,155 </span><span class=\"S2AC1 SB S2\" id=\"t5_136\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_136\">As at 31 December 2022 [continued] </span><span class=\"S2C22 S2669 S2\" id=\"t7_136\">ASSETS [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_136\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_136\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_136\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_136\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_136\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_136\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_136\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_136\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_136\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_136\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_136\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_136\">Total </span><span class=\"S2C2F S2669 S2\" id=\"tk_136\">HUF </span><span class=\"S2C30 S2669 S2\" id=\"tl_136\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tm_136\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_136\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_136\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_136\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_136\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_136\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_136\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_136\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_136\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_136\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_136\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_136\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_136\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_136\">comprehensive income </span><span class=\"S2C3E S2669 S2\" id=\"t10_136\">150,015 </span><span class=\"S2C3F S2669 S2\" id=\"t11_136\">194,093 </span><span class=\"S2C40 S2669 S2\" id=\"t12_136\">62,611 </span><span class=\"S2C41 S2669 S2\" id=\"t13_136\">57,998 </span><span class=\"S2C42 S2669 S2\" id=\"t14_136\">127,352 </span><span class=\"S2C43 S2669 S2\" id=\"t15_136\">134,675 </span><span class=\"S2C44 S2669 S2\" id=\"t16_136\">15,327 </span><span class=\"S2C45 S2669 S2\" id=\"t17_136\">101,052 </span><span class=\"S2C46 S2669 S2\" id=\"t18_136\">278,680 </span><span class=\"S2C47 S2669 S2\" id=\"t19_136\">577,643 </span><span class=\"S2C48 S2669 S2\" id=\"t1a_136\">265 </span><span class=\"S2C49 S2669 S2\" id=\"t1b_136\">39,892 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_136\">634,250 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_136\">1,105,353 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_136\">1,739,603 </span><span class=\"S2C4D S266A S2\" id=\"t1f_136\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1g_136\">120,553 </span><span class=\"S2C4F S266A S2\" id=\"t1h_136\">194,092 </span><span class=\"S2C50 S266A S2\" id=\"t1i_136\">62,610 </span><span class=\"S2C51 S266A S2\" id=\"t1j_136\">44,277 </span><span class=\"S2C52 S266A S2\" id=\"t1k_136\">127,345 </span><span class=\"S2C53 S266A S2\" id=\"t1l_136\">134,675 </span><span class=\"S2C54 S266A S2\" id=\"t1m_136\">15,327 </span><span class=\"S2C55 S266A S2\" id=\"t1n_136\">100,597 </span><span class=\"S2C56 S266A S2\" id=\"t1o_136\">278,680 </span><span class=\"S2C57 S266A S2\" id=\"t1p_136\">577,643 </span><span class=\"S2C58 S266A S2\" id=\"t1q_136\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_136\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_136\">604,515 </span><span class=\"S2C5B S266A S2\" id=\"t1t_136\">1,051,284 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_136\">1,655,799 </span><span class=\"S2C5C S266A S2\" id=\"t1v_136\">variable rate </span><span class=\"S2C5D S266A S2\" id=\"t1w_136\">29,462 </span><span class=\"S2C5E S266A S2\" id=\"t1x_136\">1 </span><span class=\"S2C5F S266A S2\" id=\"t1y_136\">1 </span><span class=\"S2C60 S266A S2\" id=\"t1z_136\">13,721 </span><span class=\"S2C61 S266A S2\" id=\"t20_136\">7 </span><span class=\"S2C62 S266A S2\" id=\"t21_136\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_136\">- </span><span class=\"S2C64 S266A S2\" id=\"t23_136\">455 </span><span class=\"S2C65 S266A S2\" id=\"t24_136\">- </span><span class=\"S2C66 S266A S2\" id=\"t25_136\">- </span><span class=\"S2C67 S266A S2\" id=\"t26_136\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_136\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_136\">29,470 </span><span class=\"S2C6A S266A S2\" id=\"t29_136\">14,177 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_136\">43,647 </span><span class=\"S2C6C S266A S2\" id=\"t2b_136\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2c_136\">- </span><span class=\"S2C6E S266A S2\" id=\"t2d_136\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_136\">- </span><span class=\"S2C70 S266A S2\" id=\"t2f_136\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_136\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_136\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_136\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_136\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_136\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_136\">- </span><span class=\"S2C77 S266A S2\" id=\"t2m_136\">265 </span><span class=\"S2C78 S266A S2\" id=\"t2n_136\">39,892 </span><span class=\"S2C79 S266A S2\" id=\"t2o_136\">265 </span><span class=\"S2C7A S266A S2\" id=\"t2p_136\">39,892 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_136\">40,157 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_136\">Securities at amortized cost </span><span class=\"S2C7D S2669 S2\" id=\"t2s_136\">197,317 </span><span class=\"S2C7E S2669 S2\" id=\"t2t_136\">364,928 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_136\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_136\">61,623 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_136\">375,979 </span><span class=\"S2C82 S2669 S2\" id=\"t2x_136\">216,496 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_136\">288,026 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_136\">48,565 </span><span class=\"S2C85 S2669 S2\" id=\"t30_136\">2,247,457 </span><span class=\"S2C86 S2669 S2\" id=\"t31_136\">1,091,547 </span><span class=\"S2C87 S2669 S2\" id=\"t32_136\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_136\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_136\">3,108,779 </span><span class=\"S2C8A S2669 S2\" id=\"t35_136\">1,783,159 </span><span class=\"S2B1F S2669 S2\" id=\"t36_136\">4,891,938 </span><span class=\"S2C8B S266A S2\" id=\"t37_136\">fixed rate </span><span class=\"S2C8C S266A S2\" id=\"t38_136\">177,967 </span><span class=\"S2C8D S266A S2\" id=\"t39_136\">364,928 </span><span class=\"S2C8E S266A S2\" id=\"t3a_136\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_136\">56,550 </span><span class=\"S2C90 S266A S2\" id=\"t3c_136\">375,979 </span><span class=\"S2C91 S266A S2\" id=\"t3d_136\">216,496 </span><span class=\"S2C92 S266A S2\" id=\"t3e_136\">288,026 </span><span class=\"S2C93 S266A S2\" id=\"t3f_136\">48,565 </span><span class=\"S2C94 S266A S2\" id=\"t3g_136\">2,247,457 </span><span class=\"S2C95 S266A S2\" id=\"t3h_136\">1,090,235 </span><span class=\"S2C96 S266A S2\" id=\"t3i_136\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_136\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_136\">3,089,429 </span><span class=\"S2C99 S266A S2\" id=\"t3l_136\">1,776,774 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_136\">4,866,203 </span><span class=\"S2C9A S266A S2\" id=\"t3n_136\">variable rate </span><span class=\"S2C9B S266A S2\" id=\"t3o_136\">19,350 </span><span class=\"S2C9C S266A S2\" id=\"t3p_136\">- </span><span class=\"S2C9D S266A S2\" id=\"t3q_136\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_136\">5,073 </span><span class=\"S2C9F S266A S2\" id=\"t3s_136\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_136\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_136\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_136\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_136\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3x_136\">1,312 </span><span class=\"S2CA5 S266A S2\" id=\"t3y_136\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_136\">- </span><span class=\"S2CA7 S266A S2\" id=\"t40_136\">19,350 </span><span class=\"S2CA8 S266A S2\" id=\"t41_136\">6,385 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_136\">25,735 </span><span class=\"S2CAA S266A S2\" id=\"t43_136\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t44_136\">- </span><span class=\"S2CAC S266A S2\" id=\"t45_136\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_136\">- </span><span class=\"S2CAE S266A S2\" id=\"t47_136\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_136\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_136\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_136\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_136\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_136\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_136\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_136\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_136\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_136\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_136\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_136\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_136\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_136\">allowance for loan losses </span><span class=\"S2CBC S2669 S2\" id=\"t4l_136\">186,499 </span><span class=\"S2CBD S2669 S2\" id=\"t4m_136\">6,653,388 </span><span class=\"S2CBE S2669 S2\" id=\"t4n_136\">2,251,999 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_136\">2,762,858 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_136\">77,681 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_136\">1,428,579 </span><span class=\"S2CC2 S2669 S2\" id=\"t4r_136\">38,430 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_136\">403,633 </span><span class=\"S2CC4 S2669 S2\" id=\"t4t_136\">961,205 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_136\">1,116,179 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_136\">129,999 </span><span class=\"S2CC7 S2669 S2\" id=\"t4w_136\">84,008 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_136\">3,645,813 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_136\">12,448,645 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_136\">16,094,458 </span><span class=\"S2B6F S266A S2\" id=\"t50_136\">fixed rate </span><span class=\"S2CCB S266A S2\" id=\"t51_136\">20,139 </span><span class=\"S2CCC S266A S2\" id=\"t52_136\">1,643,455 </span><span class=\"S2CCD S266A S2\" id=\"t53_136\">1,160,027 </span><span class=\"S2CCE S266A S2\" id=\"t54_136\">324,583 </span><span class=\"S2CCF S266A S2\" id=\"t55_136\">14,300 </span><span class=\"S2CD0 S266A S2\" id=\"t56_136\">565,806 </span><span class=\"S2CD1 S266A S2\" id=\"t57_136\">11,987 </span><span class=\"S2CD2 S266A S2\" id=\"t58_136\">344,884 </span><span class=\"S2CD3 S266A S2\" id=\"t59_136\">290,461 </span><span class=\"S2CD4 S266A S2\" id=\"t5a_136\">1,016,774 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_136\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_136\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_136\">1,496,914 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_136\">3,895,502 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_136\">5,392,416 </span><span class=\"S2B7F S266A S2\" id=\"t5g_136\">variable rate </span><span class=\"S2CDA S266A S2\" id=\"t5h_136\">166,360 </span><span class=\"S2CDB S266A S2\" id=\"t5i_136\">5,009,933 </span><span class=\"S2CDC S266A S2\" id=\"t5j_136\">1,091,972 </span><span class=\"S2CDD S266A S2\" id=\"t5k_136\">2,438,275 </span><span class=\"S2CDE S266A S2\" id=\"t5l_136\">63,381 </span><span class=\"S2CDF S266A S2\" id=\"t5m_136\">862,773 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_136\">26,443 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_136\">58,749 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_136\">670,744 </span><span class=\"S2CE3 S266A S2\" id=\"t5q_136\">99,405 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_136\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_136\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_136\">2,018,900 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_136\">8,469,135 </span><span class=\"S2CE8 S2669 S2\" id=\"t5v_136\">10,488,035 </span><span class=\"S2B8F S266A S2\" id=\"t5w_136\">non-interest-bearing </span><span class=\"S2CE9 S266A S2\" id=\"t5x_136\">- </span><span class=\"S2CEA S266A S2\" id=\"t5y_136\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_136\">- </span><span class=\"S2CEC S266A S2\" id=\"t60_136\">- </span><span class=\"S2CED S266A S2\" id=\"t61_136\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_136\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_136\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_136\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_136\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_136\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_136\">129,999 </span><span class=\"S2CF4 S266A S2\" id=\"t68_136\">84,008 </span><span class=\"S2CF5 S266A S2\" id=\"t69_136\">129,999 </span><span class=\"S2CF6 S266A S2\" id=\"t6a_136\">84,008 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_136\">214,007 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_136\">Finance lease receivables </span><span class=\"S2CF9 S2669 S2\" id=\"t6d_136\">70,923 </span><span class=\"S2CFA S2669 S2\" id=\"t6e_136\">326,963 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_136\">10,843 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_136\">147,623 </span><span class=\"S2CFD S2669 S2\" id=\"t6h_136\">21,539 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_136\">183,361 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_136\">30,106 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_136\">94,727 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_136\">217,805 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_136\">182,904 </span><span class=\"S2D03 S2669 S2\" id=\"t6n_136\">194 </span><span class=\"S2D04 S2669 S2\" id=\"t6o_136\">11,764 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_136\">351,410 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_136\">947,342 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_136\">1,298,752 </span><span class=\"S2D08 S266A S2\" id=\"t6s_136\">fixed rate </span><span class=\"S2D09 S266A S2\" id=\"t6t_136\">5,969 </span><span class=\"S2D0A S266A S2\" id=\"t6u_136\">144,070 </span><span class=\"S2D0B S266A S2\" id=\"t6v_136\">818 </span><span class=\"S2D0C S266A S2\" id=\"t6w_136\">8,234 </span><span class=\"S2D0D S266A S2\" id=\"t6x_136\">8,971 </span><span class=\"S2D0E S266A S2\" id=\"t6y_136\">36,041 </span><span class=\"S2D0F S266A S2\" id=\"t6z_136\">29,796 </span><span class=\"S2D10 S266A S2\" id=\"t70_136\">34,165 </span><span class=\"S2D11 S266A S2\" id=\"t71_136\">207,861 </span><span class=\"S2D12 S266A S2\" id=\"t72_136\">75,332 </span><span class=\"S2D13 S266A S2\" id=\"t73_136\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_136\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_136\">253,415 </span><span class=\"S2D16 S266A S2\" id=\"t76_136\">297,842 </span><span class=\"S2BAF S2669 S2\" id=\"t77_136\">551,257 </span><span class=\"S2D17 S266A S2\" id=\"t78_136\">variable rate </span><span class=\"S2D18 S266A S2\" id=\"t79_136\">64,954 </span><span class=\"S2D19 S266A S2\" id=\"t7a_136\">182,893 </span><span class=\"S2D1A S266A S2\" id=\"t7b_136\">10,025 </span><span class=\"S2D1B S266A S2\" id=\"t7c_136\">139,389 </span><span class=\"S2D1C S266A S2\" id=\"t7d_136\">12,568 </span><span class=\"S2D1D S266A S2\" id=\"t7e_136\">147,320 </span><span class=\"S2D1E S266A S2\" id=\"t7f_136\">310 </span><span class=\"S2D1F S266A S2\" id=\"t7g_136\">60,562 </span><span class=\"S2D20 S266A S2\" id=\"t7h_136\">9,944 </span><span class=\"S2D21 S266A S2\" id=\"t7i_136\">107,572 </span><span class=\"S2D22 S266A S2\" id=\"t7j_136\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_136\">- </span><span class=\"S2D24 S266A S2\" id=\"t7l_136\">97,801 </span><span class=\"S2D25 S266A S2\" id=\"t7m_136\">637,736 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_136\">735,537 </span><span class=\"S2D27 S266A S2\" id=\"t7o_136\">non-interest-bearing </span><span class=\"S2D28 S266A S2\" id=\"t7p_136\">- </span><span class=\"S2D29 S266A S2\" id=\"t7q_136\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_136\">- </span><span class=\"S2D2B S266A S2\" id=\"t7s_136\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_136\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_136\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_136\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_136\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_136\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_136\">- </span><span class=\"S2D32 S266A S2\" id=\"t7z_136\">194 </span><span class=\"S2D33 S266A S2\" id=\"t80_136\">11,764 </span><span class=\"S2D34 S266A S2\" id=\"t81_136\">194 </span><span class=\"S2D35 S266A S2\" id=\"t82_136\">11,764 </span><span class=\"S2BCF S2669 S2\" id=\"t83_136\">11,958 </span><span class=\"S2D36 S2669 S2\" id=\"t84_136\">Loans mandatorily at fair value </span><span class=\"S2D37 S2669 S2\" id=\"t85_136\">through profit or loss </span><span class=\"S2D38 S2669 S2\" id=\"t86_136\">26,449 </span><span class=\"S2D39 S2669 S2\" id=\"t87_136\">- </span><span class=\"S2D3A S2669 S2\" id=\"t88_136\">10,992 </span><span class=\"S2D3B S2669 S2\" id=\"t89_136\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_136\">70,371 </span><span class=\"S1381 S2669 S2\" id=\"t8b_136\">- </span><span class=\"S2D3D S2669 S2\" id=\"t8c_136\">231,141 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_136\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_136\">908,461 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_136\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_136\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_136\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_136\">1,247,414 </span><span class=\"S2D44 S2669 S2\" id=\"t8j_136\">- </span><span class=\"S2D45 S2669 S2\" id=\"t8k_136\">1,247,414 </span><span class=\"S2D46 S266A S2\" id=\"t8l_136\">fixed rate </span><span class=\"S2D47 S266A S2\" id=\"t8m_136\">- </span><span class=\"S2D48 S266A S2\" id=\"t8n_136\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_136\">- </span><span class=\"S240F S266A S2\" id=\"t8p_136\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_136\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_136\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_136\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_136\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_136\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_136\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_136\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_136\">- </span><span class=\"S2D52 S266A S2\" id=\"t8y_136\">- </span><span class=\"S2D53 S266A S2\" id=\"t8z_136\">- </span><span class=\"S2D54 S2669 S2\" id=\"t90_136\">- </span><span class=\"S2D55 S266A S2\" id=\"t91_136\">variable rate </span><span class=\"S2D56 S266A S2\" id=\"t92_136\">26,449 </span><span class=\"S2D57 S266A S2\" id=\"t93_136\">- </span><span class=\"S2D58 S266A S2\" id=\"t94_136\">10,992 </span><span class=\"S2D59 S266A S2\" id=\"t95_136\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_136\">70,371 </span><span class=\"S2D5B S266A S2\" id=\"t97_136\">- </span><span class=\"S2D5C S266A S2\" id=\"t98_136\">231,141 </span><span class=\"S2D5D S266A S2\" id=\"t99_136\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_136\">908,461 </span><span class=\"S2D5F S266A S2\" id=\"t9b_136\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_136\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_136\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_136\">1,247,414 </span><span class=\"S2D63 S266A S2\" id=\"t9f_136\">- </span><span class=\"S2D64 S2669 S2\" id=\"t9g_136\">1,247,414 </span><span class=\"S2D65 S266A S2\" id=\"t9h_136\">non-interest-bearing </span><span class=\"S2D66 S266A S2\" id=\"t9i_136\">- </span><span class=\"S2D67 S266A S2\" id=\"t9j_136\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_136\">- </span><span class=\"S2D69 S266A S2\" id=\"t9l_136\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_136\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_136\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_136\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_136\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_136\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_136\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_136\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_136\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_136\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_136\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_136\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_136\">Fair value adjustment of derivative </span><span class=\"S2D75 S2669 S2\" id=\"t9y_136\">financial instruments </span><span class=\"S2D76 S2669 S2\" id=\"t9z_136\">1,808,603 </span><span class=\"S2D77 S2669 S2\" id=\"ta0_136\">3,091,633 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_136\">906,446 </span><span class=\"S2D79 S2669 S2\" id=\"ta2_136\">1,424,864 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_136\">485,449 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_136\">545,738 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_136\">36,682 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_136\">35,986 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_136\">183,664 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_136\">98,654 </span><span class=\"S2D80 S2669 S2\" id=\"ta9_136\">28,204 </span><span class=\"S2D81 S2669 S2\" id=\"taa_136\">730,436 </span><span class=\"S2D82 S2669 S2\" id=\"tab_136\">3,449,048 </span><span class=\"S2D83 S2669 S2\" id=\"tac_136\">5,927,311 </span><span class=\"S2D84 S2669 S2\" id=\"tad_136\">9,376,359 </span><span class=\"S2D85 S266A S2\" id=\"tae_136\">fixed rate </span><span class=\"S2D86 S266A S2\" id=\"taf_136\">1,687,569 </span><span class=\"S2D87 S266A S2\" id=\"tag_136\">3,023,972 </span><span class=\"S2D88 S266A S2\" id=\"tah_136\">428,080 </span><span class=\"S2D89 S266A S2\" id=\"tai_136\">879,090 </span><span class=\"S2D8A S266A S2\" id=\"taj_136\">271,921 </span><span class=\"S2D8B S266A S2\" id=\"tak_136\">518,869 </span><span class=\"S2D8C S266A S2\" id=\"tal_136\">36,682 </span><span class=\"S2D8D S266A S2\" id=\"tam_136\">35,986 </span><span class=\"S2D8E S266A S2\" id=\"tan_136\">183,664 </span><span class=\"S2D8F S266A S2\" id=\"tao_136\">98,654 </span><span class=\"S2D90 S266A S2\" id=\"tap_136\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_136\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_136\">2,607,916 </span><span class=\"S2D93 S266A S2\" id=\"tas_136\">4,556,571 </span><span class=\"S2D94 S2669 S2\" id=\"tat_136\">7,164,487 </span><span class=\"S2D95 S266A S2\" id=\"tau_136\">variable rate </span><span class=\"S2D96 S266A S2\" id=\"tav_136\">121,034 </span><span class=\"S2D97 S266A S2\" id=\"taw_136\">67,661 </span><span class=\"S2D98 S266A S2\" id=\"tax_136\">478,366 </span><span class=\"S2D99 S266A S2\" id=\"tay_136\">545,774 </span><span class=\"S2D9A S266A S2\" id=\"taz_136\">213,528 </span><span class=\"S2D9B S266A S2\" id=\"tb0_136\">26,869 </span><span class=\"S2D9C S266A S2\" id=\"tb1_136\">- </span><span class=\"S2D9D S266A S2\" id=\"tb2_136\">- </span><span class=\"S2D9E S266A S2\" id=\"tb3_136\">- </span><span class=\"S2D9F S266A S2\" id=\"tb4_136\">- </span><span class=\"S2DA0 S266A S2\" id=\"tb5_136\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_136\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_136\">812,928 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_136\">640,304 </span><span class=\"S2DA4 S2669 S2\" id=\"tb9_136\">1,453,232 </span><span class=\"S2DA5 S266A S2\" id=\"tba_136\">non-interest-bearing </span><span class=\"S2DA6 S266A S2\" id=\"tbb_136\">- </span><span class=\"S2DA7 S266A S2\" id=\"tbc_136\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_136\">- </span><span class=\"S2DA9 S266A S2\" id=\"tbe_136\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_136\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_136\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_136\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_136\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_136\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_136\">- </span><span class=\"S2DB0 S266A S2\" id=\"tbl_136\">28,204 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_136\">730,436 </span><span class=\"S2DB2 S266A S2\" id=\"tbn_136\">28,204 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_136\">730,436 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_136\">758,640 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_136\">Other financial assets </span><span class=\"S2DB6 S2669 S2\" id=\"tbr_136\">2,217 </span><span class=\"S2DB7 S2669 S2\" id=\"tbs_136\">25,400 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_136\">2,703 </span><span class=\"S2DB9 S2669 S2\" id=\"tbu_136\">1,316 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_136\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_136\">712 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_136\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_136\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_136\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_136\">143 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_136\">93,577 </span><span class=\"S2DC1 S2669 S2\" id=\"tc2_136\">136,913 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_136\">98,497 </span><span class=\"S2DC3 S2669 S2\" id=\"tc4_136\">164,484 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_136\">262,981 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_136\">fixed rate </span><span class=\"S2DC6 S266A S2\" id=\"tc7_136\">2,217 </span><span class=\"S2DC7 S266A S2\" id=\"tc8_136\">14,552 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_136\">2,504 </span><span class=\"S2DC9 S266A S2\" id=\"tca_136\">1,018 </span><span class=\"S2DCA S266A S2\" id=\"tcb_136\">- </span><span class=\"S2DCB S266A S2\" id=\"tcc_136\">712 </span><span class=\"S2DCC S266A S2\" id=\"tcd_136\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_136\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_136\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_136\">123 </span><span class=\"S2DD0 S266A S2\" id=\"tch_136\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_136\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_136\">4,721 </span><span class=\"S2DD3 S266A S2\" id=\"tck_136\">16,405 </span><span class=\"S2DD4 S2669 S2\" id=\"tcl_136\">21,126 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_136\">variable rate </span><span class=\"S2DD6 S266A S2\" id=\"tcn_136\">- </span><span class=\"S2DD7 S266A S2\" id=\"tco_136\">10,848 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_136\">199 </span><span class=\"S2DD9 S266A S2\" id=\"tcq_136\">298 </span><span class=\"S2DDA S266A S2\" id=\"tcr_136\">- </span><span class=\"S2DDB S266A S2\" id=\"tcs_136\">- </span><span class=\"S2DDC S266A S2\" id=\"tct_136\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_136\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_136\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_136\">20 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_136\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_136\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_136\">199 </span><span class=\"S2DE3 S266A S2\" id=\"td0_136\">11,166 </span><span class=\"S2DE4 S2669 S2\" id=\"td1_136\">11,365 </span><span class=\"S2DE5 S266A S2\" id=\"td2_136\">non-interest-bearing </span><span class=\"S2DE6 S266A S2\" id=\"td3_136\">- </span><span class=\"S2DE7 S266A S2\" id=\"td4_136\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_136\">- </span><span class=\"S2DE9 S266A S2\" id=\"td6_136\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_136\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_136\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_136\">- </span><span class=\"S2DED S266A S2\" id=\"tda_136\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_136\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_136\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_136\">93,577 </span><span class=\"S2DF1 S266A S2\" id=\"tde_136\">136,913 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_136\">93,577 </span><span class=\"S2DF3 S266A S2\" id=\"tdg_136\">136,913 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_136\">230,490 </span><span class=\"S2AC1 SB S2\" id=\"t5_137\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_137\">As at 31 December 2022 [continued] </span><span class=\"S2DF6 S2669 S2\" id=\"t7_137\">LIABILITIES </span><span class=\"S2DF7 S2669 S2\" id=\"t8_137\">Within 1 month </span><span class=\"S2DF8 S2669 S2\" id=\"t9_137\">Over 1 month and </span><span class=\"S2DF9 S2669 S2\" id=\"ta_137\">Within 3 months </span><span class=\"S2DFA S2669 S2\" id=\"tb_137\">Over 3 months and </span><span class=\"S2DFB S2669 S2\" id=\"tc_137\">Within 12 months </span><span class=\"S2DFC S2669 S2\" id=\"td_137\">Over 1 year and </span><span class=\"S2DFD S2669 S2\" id=\"te_137\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_137\">Over 2 years </span><span class=\"S2DFF S2669 S2\" id=\"tg_137\">Non-interest- </span><span class=\"S2E00 S2669 S2\" id=\"th_137\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_137\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_137\">Total </span><span class=\"S2E01 S2669 S2\" id=\"tk_137\">HUF </span><span class=\"S2E02 S2669 S2\" id=\"tl_137\">Currency </span><span class=\"S2E03 S2669 S2\" id=\"tm_137\">HUF </span><span class=\"S2E04 S2669 S2\" id=\"tn_137\">Currency </span><span class=\"S2E05 S2669 S2\" id=\"to_137\">HUF </span><span class=\"S2E06 S2669 S2\" id=\"tp_137\">Currency </span><span class=\"S2E07 S2669 S2\" id=\"tq_137\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_137\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_137\">HUF </span><span class=\"S2E0A S2669 S2\" id=\"tt_137\">Currency </span><span class=\"S2E0B S2669 S2\" id=\"tu_137\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_137\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_137\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_137\">Currency </span><span class=\"S2E0C S2669 S2\" id=\"ty_137\">Amounts due to banks, the Hungarian </span><span class=\"S2E0D S2669 S2\" id=\"tz_137\">Government, deposits </span><span class=\"S2E0E S2669 S2\" id=\"t10_137\">from the National Bank of Hungary and </span><span class=\"S2E0F S2669 S2\" id=\"t11_137\">other banks </span><span class=\"S2E10 S2669 S2\" id=\"t12_137\">17,358 </span><span class=\"S2E11 S2669 S2\" id=\"t13_137\">187,834 </span><span class=\"S2E12 S2669 S2\" id=\"t14_137\">27,239 </span><span class=\"S2E13 S2669 S2\" id=\"t15_137\">55,363 </span><span class=\"S2E14 S2669 S2\" id=\"t16_137\">109,518 </span><span class=\"S2E15 S2669 S2\" id=\"t17_137\">80,566 </span><span class=\"S2E16 S2669 S2\" id=\"t18_137\">71,613 </span><span class=\"S2E17 S2669 S2\" id=\"t19_137\">5,187 </span><span class=\"S2E18 S2669 S2\" id=\"t1a_137\">751,109 </span><span class=\"S2E19 S2669 S2\" id=\"t1b_137\">42,918 </span><span class=\"S2E1A S2669 S2\" id=\"t1c_137\">81,757 </span><span class=\"S2E1B S2669 S2\" id=\"t1d_137\">32,696 </span><span class=\"S2E1C S2669 S2\" id=\"t1e_137\">1,058,594 </span><span class=\"S2E1D S2669 S2\" id=\"t1f_137\">404,564 </span><span class=\"S2AFF S2669 S2\" id=\"t1g_137\">1,463,158 </span><span class=\"S2E1E S266A S2\" id=\"t1h_137\">fixed rate </span><span class=\"S2E1F S266A S2\" id=\"t1i_137\">12,847 </span><span class=\"S2E20 S266A S2\" id=\"t1j_137\">62,086 </span><span class=\"S2E21 S266A S2\" id=\"t1k_137\">27,239 </span><span class=\"S2E22 S266A S2\" id=\"t1l_137\">5,079 </span><span class=\"S2E23 S266A S2\" id=\"t1m_137\">109,518 </span><span class=\"S2E24 S266A S2\" id=\"t1n_137\">70,661 </span><span class=\"S2E25 S266A S2\" id=\"t1o_137\">71,613 </span><span class=\"S2E26 S266A S2\" id=\"t1p_137\">5,182 </span><span class=\"S2E27 S266A S2\" id=\"t1q_137\">751,109 </span><span class=\"S2E28 S266A S2\" id=\"t1r_137\">42,913 </span><span class=\"S2E29 S266A S2\" id=\"t1s_137\">- </span><span class=\"S2E2A S266A S2\" id=\"t1t_137\">- </span><span class=\"S2E2B S266A S2\" id=\"t1u_137\">972,326 </span><span class=\"S2E2C S266A S2\" id=\"t1v_137\">185,921 </span><span class=\"S2E2D S2669 S2\" id=\"t1w_137\">1,158,247 </span><span class=\"S2E2E S266A S2\" id=\"t1x_137\">variable rate </span><span class=\"S2E2F S266A S2\" id=\"t1y_137\">4,511 </span><span class=\"S2E30 S266A S2\" id=\"t1z_137\">125,748 </span><span class=\"S2E31 S266A S2\" id=\"t20_137\">- </span><span class=\"S2E32 S266A S2\" id=\"t21_137\">50,284 </span><span class=\"S2E33 S266A S2\" id=\"t22_137\">- </span><span class=\"S2E34 S266A S2\" id=\"t23_137\">9,905 </span><span class=\"S2E35 S266A S2\" id=\"t24_137\">- </span><span class=\"S2E36 S266A S2\" id=\"t25_137\">5 </span><span class=\"S2E37 S266A S2\" id=\"t26_137\">- </span><span class=\"S2E38 S266A S2\" id=\"t27_137\">5 </span><span class=\"S2C87 S266A S2\" id=\"t28_137\">- </span><span class=\"S2C88 S266A S2\" id=\"t29_137\">- </span><span class=\"S2E39 S266A S2\" id=\"t2a_137\">4,511 </span><span class=\"S2E3A S266A S2\" id=\"t2b_137\">185,947 </span><span class=\"S2E3B S2669 S2\" id=\"t2c_137\">190,458 </span><span class=\"S2E3C S266A S2\" id=\"t2d_137\">non-interest-bearing </span><span class=\"S2E3D S266A S2\" id=\"t2e_137\">- </span><span class=\"S2E3E S266A S2\" id=\"t2f_137\">- </span><span class=\"S2E3F S266A S2\" id=\"t2g_137\">- </span><span class=\"S2E40 S266A S2\" id=\"t2h_137\">- </span><span class=\"S2E41 S266A S2\" id=\"t2i_137\">- </span><span class=\"S2E42 S266A S2\" id=\"t2j_137\">- </span><span class=\"S2E43 S266A S2\" id=\"t2k_137\">- </span><span class=\"S2E44 S266A S2\" id=\"t2l_137\">- </span><span class=\"S2E45 S266A S2\" id=\"t2m_137\">- </span><span class=\"S2E46 S266A S2\" id=\"t2n_137\">- </span><span class=\"S2E47 S266A S2\" id=\"t2o_137\">81,757 </span><span class=\"S2E48 S266A S2\" id=\"t2p_137\">32,696 </span><span class=\"S2E49 S266A S2\" id=\"t2q_137\">81,757 </span><span class=\"S2E4A S266A S2\" id=\"t2r_137\">32,696 </span><span class=\"S2E4B S2669 S2\" id=\"t2s_137\">114,453 </span><span class=\"S2E4C S2669 S2\" id=\"t2t_137\">Repo liabilities </span><span class=\"S2E4D S2669 S2\" id=\"t2u_137\">29,145 </span><span class=\"S2E4E S2669 S2\" id=\"t2v_137\">188,121 </span><span class=\"S2E4F S2669 S2\" id=\"t2w_137\">98 </span><span class=\"S2E50 S2669 S2\" id=\"t2x_137\">5 </span><span class=\"S2E51 S2669 S2\" id=\"t2y_137\">- </span><span class=\"S2E52 S2669 S2\" id=\"t2z_137\">- </span><span class=\"S2E53 S2669 S2\" id=\"t30_137\">- </span><span class=\"S2E54 S2669 S2\" id=\"t31_137\">- </span><span class=\"S2E55 S2669 S2\" id=\"t32_137\">- </span><span class=\"S2E56 S2669 S2\" id=\"t33_137\">- </span><span class=\"S2CA5 S2669 S2\" id=\"t34_137\">- </span><span class=\"S2CA6 S2669 S2\" id=\"t35_137\">- </span><span class=\"S2CA7 S2669 S2\" id=\"t36_137\">29,243 </span><span class=\"S2E57 S2669 S2\" id=\"t37_137\">188,126 </span><span class=\"S2B3F S2669 S2\" id=\"t38_137\">217,369 </span><span class=\"S2E58 S266A S2\" id=\"t39_137\">fixed rate </span><span class=\"S2E59 S266A S2\" id=\"t3a_137\">29,143 </span><span class=\"S2E5A S266A S2\" id=\"t3b_137\">5 </span><span class=\"S2E5B S266A S2\" id=\"t3c_137\">98 </span><span class=\"S2E5C S266A S2\" id=\"t3d_137\">5 </span><span class=\"S2E5D S266A S2\" id=\"t3e_137\">- </span><span class=\"S2E5E S266A S2\" id=\"t3f_137\">- </span><span class=\"S2E5F S266A S2\" id=\"t3g_137\">- </span><span class=\"S2E60 S266A S2\" id=\"t3h_137\">- </span><span class=\"S2E61 S266A S2\" id=\"t3i_137\">- </span><span class=\"S2E62 S266A S2\" id=\"t3j_137\">- </span><span class=\"S2CB5 S266A S2\" id=\"t3k_137\">- </span><span class=\"S2CB6 S266A S2\" id=\"t3l_137\">- </span><span class=\"S2E63 S266A S2\" id=\"t3m_137\">29,241 </span><span class=\"S2E64 S266A S2\" id=\"t3n_137\">10 </span><span class=\"S2E65 S2669 S2\" id=\"t3o_137\">29,251 </span><span class=\"S2E66 S266A S2\" id=\"t3p_137\">variable rate </span><span class=\"S2E67 S266A S2\" id=\"t3q_137\">2 </span><span class=\"S2E68 S266A S2\" id=\"t3r_137\">188,116 </span><span class=\"S2E69 S266A S2\" id=\"t3s_137\">- </span><span class=\"S2E6A S266A S2\" id=\"t3t_137\">- </span><span class=\"S2E6B S266A S2\" id=\"t3u_137\">- </span><span class=\"S2E6C S266A S2\" id=\"t3v_137\">- </span><span class=\"S2E6D S266A S2\" id=\"t3w_137\">- </span><span class=\"S2E6E S266A S2\" id=\"t3x_137\">- </span><span class=\"S2E6F S266A S2\" id=\"t3y_137\">- </span><span class=\"S2E70 S266A S2\" id=\"t3z_137\">- </span><span class=\"S2E71 S266A S2\" id=\"t40_137\">- </span><span class=\"S2E72 S266A S2\" id=\"t41_137\">- </span><span class=\"S2E73 S266A S2\" id=\"t42_137\">2 </span><span class=\"S2E74 S266A S2\" id=\"t43_137\">188,116 </span><span class=\"S2B5E S2669 S2\" id=\"t44_137\">188,118 </span><span class=\"S2E75 S266A S2\" id=\"t45_137\">non-interest-bearing </span><span class=\"S2E76 S266A S2\" id=\"t46_137\">- </span><span class=\"S2E77 S266A S2\" id=\"t47_137\">- </span><span class=\"S2E78 S266A S2\" id=\"t48_137\">- </span><span class=\"S2E79 S266A S2\" id=\"t49_137\">- </span><span class=\"S2E7A S266A S2\" id=\"t4a_137\">- </span><span class=\"S2E7B S266A S2\" id=\"t4b_137\">- </span><span class=\"S2E7C S266A S2\" id=\"t4c_137\">- </span><span class=\"S2E7D S266A S2\" id=\"t4d_137\">- </span><span class=\"S2E7E S266A S2\" id=\"t4e_137\">- </span><span class=\"S2E7F S266A S2\" id=\"t4f_137\">- </span><span class=\"S2E80 S266A S2\" id=\"t4g_137\">- </span><span class=\"S2E81 S266A S2\" id=\"t4h_137\">- </span><span class=\"S2E82 S266A S2\" id=\"t4i_137\">- </span><span class=\"S2E83 S266A S2\" id=\"t4j_137\">- </span><span class=\"S2E84 S2669 S2\" id=\"t4k_137\">- </span><span class=\"S2E85 S2669 S2\" id=\"t4l_137\">Financial liabilities designated at fair value </span><span class=\"S2E86 S2669 S2\" id=\"t4m_137\">through profit or loss </span><span class=\"S2E87 S2669 S2\" id=\"t4n_137\">16,575 </span><span class=\"S2E88 S2669 S2\" id=\"t4o_137\">- </span><span class=\"S2E89 S2669 S2\" id=\"t4p_137\">- </span><span class=\"S2E8A S2669 S2\" id=\"t4q_137\">- </span><span class=\"S2E8B S2669 S2\" id=\"t4r_137\">- </span><span class=\"S2E8C S2669 S2\" id=\"t4s_137\">- </span><span class=\"S2E8D S2669 S2\" id=\"t4t_137\">- </span><span class=\"S2E8E S2669 S2\" id=\"t4u_137\">- </span><span class=\"S2E8F S2669 S2\" id=\"t4v_137\">- </span><span class=\"S2E90 S2669 S2\" id=\"t4w_137\">- </span><span class=\"S2E91 S2669 S2\" id=\"t4x_137\">37,616 </span><span class=\"S2CE5 S2669 S2\" id=\"t4y_137\">- </span><span class=\"S2E92 S2669 S2\" id=\"t4z_137\">54,191 </span><span class=\"S2E93 S2669 S2\" id=\"t50_137\">- </span><span class=\"S2E94 S2669 S2\" id=\"t51_137\">54,191 </span><span class=\"S2E95 S266A S2\" id=\"t52_137\">fixed rate </span><span class=\"S2E96 S266A S2\" id=\"t53_137\">26 </span><span class=\"S2E97 S266A S2\" id=\"t54_137\">- </span><span class=\"S2E98 S266A S2\" id=\"t55_137\">- </span><span class=\"S2E99 S266A S2\" id=\"t56_137\">- </span><span class=\"S2E9A S266A S2\" id=\"t57_137\">- </span><span class=\"S2E9B S266A S2\" id=\"t58_137\">- </span><span class=\"S2E9C S266A S2\" id=\"t59_137\">- </span><span class=\"S2E9D S266A S2\" id=\"t5a_137\">- </span><span class=\"S2E9E S266A S2\" id=\"t5b_137\">- </span><span class=\"S2E9F S266A S2\" id=\"t5c_137\">- </span><span class=\"S2EA0 S266A S2\" id=\"t5d_137\">- </span><span class=\"S2EA1 S266A S2\" id=\"t5e_137\">- </span><span class=\"S2EA2 S266A S2\" id=\"t5f_137\">26 </span><span class=\"S2EA3 S266A S2\" id=\"t5g_137\">- </span><span class=\"S2EA4 S2669 S2\" id=\"t5h_137\">26 </span><span class=\"S2EA5 S266A S2\" id=\"t5i_137\">variable rate </span><span class=\"S2EA6 S266A S2\" id=\"t5j_137\">16,549 </span><span class=\"S2EA7 S266A S2\" id=\"t5k_137\">- </span><span class=\"S2EA8 S266A S2\" id=\"t5l_137\">- </span><span class=\"S2EA9 S266A S2\" id=\"t5m_137\">- </span><span class=\"S2EAA S266A S2\" id=\"t5n_137\">- </span><span class=\"S2EAB S266A S2\" id=\"t5o_137\">- </span><span class=\"S2EAC S266A S2\" id=\"t5p_137\">- </span><span class=\"S2EAD S266A S2\" id=\"t5q_137\">- </span><span class=\"S2EAE S266A S2\" id=\"t5r_137\">- </span><span class=\"S2EAF S266A S2\" id=\"t5s_137\">- </span><span class=\"S2EB0 S266A S2\" id=\"t5t_137\">- </span><span class=\"S2EB1 S266A S2\" id=\"t5u_137\">- </span><span class=\"S2EB2 S266A S2\" id=\"t5v_137\">16,549 </span><span class=\"S2EB3 S266A S2\" id=\"t5w_137\">- </span><span class=\"S2EB4 S2669 S2\" id=\"t5x_137\">16,549 </span><span class=\"S2EB5 S266A S2\" id=\"t5y_137\">non-interest-bearing </span><span class=\"S2EB6 S266A S2\" id=\"t5z_137\">- </span><span class=\"S2EB7 S266A S2\" id=\"t60_137\">- </span><span class=\"S2EB8 S266A S2\" id=\"t61_137\">- </span><span class=\"S2EB9 S266A S2\" id=\"t62_137\">- </span><span class=\"S2EBA S266A S2\" id=\"t63_137\">- </span><span class=\"S2EBB S266A S2\" id=\"t64_137\">- </span><span class=\"S2EBC S266A S2\" id=\"t65_137\">- </span><span class=\"S2EBD S266A S2\" id=\"t66_137\">- </span><span class=\"S2EBE S266A S2\" id=\"t67_137\">- </span><span class=\"S2EBF S266A S2\" id=\"t68_137\">- </span><span class=\"S2EC0 S266A S2\" id=\"t69_137\">37,616 </span><span class=\"S2D14 S266A S2\" id=\"t6a_137\">- </span><span class=\"S2EC1 S266A S2\" id=\"t6b_137\">37,616 </span><span class=\"S2EC2 S266A S2\" id=\"t6c_137\">- </span><span class=\"S2EC3 S2669 S2\" id=\"t6d_137\">37,616 </span><span class=\"S2EC4 S2669 S2\" id=\"t6e_137\">Deposits from customers </span><span class=\"S2EC5 S2669 S2\" id=\"t6f_137\">7,466,580 </span><span class=\"S2EC6 S2669 S2\" id=\"t6g_137\">13,217,695 </span><span class=\"S2EC7 S2669 S2\" id=\"t6h_137\">292,239 </span><span class=\"S2EC8 S2669 S2\" id=\"t6i_137\">1,746,958 </span><span class=\"S2EC9 S2669 S2\" id=\"t6j_137\">153,147 </span><span class=\"S2ECA S2669 S2\" id=\"t6k_137\">869,141 </span><span class=\"S2ECB S2669 S2\" id=\"t6l_137\">37,952 </span><span class=\"S2ECC S2669 S2\" id=\"t6m_137\">154,101 </span><span class=\"S2ECD S2669 S2\" id=\"t6n_137\">220,222 </span><span class=\"S2ECE S2669 S2\" id=\"t6o_137\">189,032 </span><span class=\"S2ECF S2669 S2\" id=\"t6p_137\">14,525 </span><span class=\"S2ED0 S2669 S2\" id=\"t6q_137\">827,213 </span><span class=\"S2ED1 S2669 S2\" id=\"t6r_137\">8,184,665 </span><span class=\"S2ED2 S2669 S2\" id=\"t6s_137\">17,004,140 </span><span class=\"S2ED3 S2669 S2\" id=\"t6t_137\">25,188,805 </span><span class=\"S2ED4 S266A S2\" id=\"t6u_137\">fixed rate </span><span class=\"S2ED5 S266A S2\" id=\"t6v_137\">1,097,639 </span><span class=\"S2ED6 S266A S2\" id=\"t6w_137\">6,265,835 </span><span class=\"S2ED7 S266A S2\" id=\"t6x_137\">292,239 </span><span class=\"S2ED8 S266A S2\" id=\"t6y_137\">1,746,958 </span><span class=\"S2ED9 S266A S2\" id=\"t6z_137\">153,147 </span><span class=\"S2EDA S266A S2\" id=\"t70_137\">869,141 </span><span class=\"S2EDB S266A S2\" id=\"t71_137\">37,952 </span><span class=\"S2EDC S266A S2\" id=\"t72_137\">151,009 </span><span class=\"S2EDD S266A S2\" id=\"t73_137\">220,222 </span><span class=\"S2EDE S266A S2\" id=\"t74_137\">189,032 </span><span class=\"S2EDF S266A S2\" id=\"t75_137\">- </span><span class=\"S2EE0 S266A S2\" id=\"t76_137\">- </span><span class=\"S2EE1 S266A S2\" id=\"t77_137\">1,801,199 </span><span class=\"S2EE2 S266A S2\" id=\"t78_137\">9,221,975 </span><span class=\"S2EE3 S2669 S2\" id=\"t79_137\">11,023,174 </span><span class=\"S2EE4 S266A S2\" id=\"t7a_137\">variable rate </span><span class=\"S2EE5 S266A S2\" id=\"t7b_137\">6,368,941 </span><span class=\"S2EE6 S266A S2\" id=\"t7c_137\">6,951,860 </span><span class=\"S2EE7 S266A S2\" id=\"t7d_137\">- </span><span class=\"S2EE8 S266A S2\" id=\"t7e_137\">- </span><span class=\"S2EE9 S266A S2\" id=\"t7f_137\">- </span><span class=\"S2EEA S266A S2\" id=\"t7g_137\">- </span><span class=\"S2EEB S266A S2\" id=\"t7h_137\">- </span><span class=\"S2EEC S266A S2\" id=\"t7i_137\">3,092 </span><span class=\"S2EED S266A S2\" id=\"t7j_137\">- </span><span class=\"S2EEE S266A S2\" id=\"t7k_137\">- </span><span class=\"S2EEF S266A S2\" id=\"t7l_137\">- </span><span class=\"S2EF0 S266A S2\" id=\"t7m_137\">- </span><span class=\"S2EF1 S266A S2\" id=\"t7n_137\">6,368,941 </span><span class=\"S2EF2 S266A S2\" id=\"t7o_137\">6,954,952 </span><span class=\"S2EF3 S2669 S2\" id=\"t7p_137\">13,323,893 </span><span class=\"S2EF4 S266A S2\" id=\"t7q_137\">non-interest-bearing </span><span class=\"S2EF5 S266A S2\" id=\"t7r_137\">- </span><span class=\"S2EF6 S266A S2\" id=\"t7s_137\">- </span><span class=\"S2EF7 S266A S2\" id=\"t7t_137\">- </span><span class=\"S2EF8 S266A S2\" id=\"t7u_137\">- </span><span class=\"S2EF9 S266A S2\" id=\"t7v_137\">- </span><span class=\"S2EFA S266A S2\" id=\"t7w_137\">- </span><span class=\"S2EFB S266A S2\" id=\"t7x_137\">- </span><span class=\"S2EFC S266A S2\" id=\"t7y_137\">- </span><span class=\"S2EFD S266A S2\" id=\"t7z_137\">- </span><span class=\"S2EFE S266A S2\" id=\"t80_137\">- </span><span class=\"S2EFF S266A S2\" id=\"t81_137\">14,525 </span><span class=\"S2F00 S266A S2\" id=\"t82_137\">827,213 </span><span class=\"S2F01 S266A S2\" id=\"t83_137\">14,525 </span><span class=\"S2F02 S266A S2\" id=\"t84_137\">827,213 </span><span class=\"S2F03 S2669 S2\" id=\"t85_137\">841,738 </span><span class=\"S2F04 S2669 S2\" id=\"t86_137\">Liabilities from issued securities </span><span class=\"S2F05 S2669 S2\" id=\"t87_137\">1,878 </span><span class=\"S2F06 S2669 S2\" id=\"t88_137\">- </span><span class=\"S2F07 S2669 S2\" id=\"t89_137\">1,215 </span><span class=\"S2F08 S2669 S2\" id=\"t8a_137\">18 </span><span class=\"S2F09 S2669 S2\" id=\"t8b_137\">194,515 </span><span class=\"S2F0A S2669 S2\" id=\"t8c_137\">41 </span><span class=\"S2F0B S2669 S2\" id=\"t8d_137\">79,497 </span><span class=\"S2F0C S2669 S2\" id=\"t8e_137\">- </span><span class=\"S2F0D S2669 S2\" id=\"t8f_137\">145,295 </span><span class=\"S2F0E S2669 S2\" id=\"t8g_137\">448,205 </span><span class=\"S2D50 S2669 S2\" id=\"t8h_137\">- </span><span class=\"S2F0F S2669 S2\" id=\"t8i_137\">18 </span><span class=\"S2F10 S2669 S2\" id=\"t8j_137\">422,400 </span><span class=\"S2F11 S2669 S2\" id=\"t8k_137\">448,282 </span><span class=\"S2F12 S2669 S2\" id=\"t8l_137\">870,682 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_137\">fixed rate </span><span class=\"S2F13 S266A S2\" id=\"t8n_137\">211 </span><span class=\"S2F14 S266A S2\" id=\"t8o_137\">- </span><span class=\"S2F15 S266A S2\" id=\"t8p_137\">- </span><span class=\"S2F16 S266A S2\" id=\"t8q_137\">18 </span><span class=\"S2F17 S266A S2\" id=\"t8r_137\">44,390 </span><span class=\"S2F18 S266A S2\" id=\"t8s_137\">41 </span><span class=\"S2F19 S266A S2\" id=\"t8t_137\">79,497 </span><span class=\"S2F1A S266A S2\" id=\"t8u_137\">- </span><span class=\"S2F1B S266A S2\" id=\"t8v_137\">145,295 </span><span class=\"S2F1C S266A S2\" id=\"t8w_137\">448,205 </span><span class=\"S2D60 S266A S2\" id=\"t8x_137\">- </span><span class=\"S2D61 S266A S2\" id=\"t8y_137\">- </span><span class=\"S2F1D S266A S2\" id=\"t8z_137\">269,393 </span><span class=\"S2F1E S266A S2\" id=\"t90_137\">448,264 </span><span class=\"S2F1F S2669 S2\" id=\"t91_137\">717,657 </span><span class=\"S2C01 S266A S2\" id=\"t92_137\">variable rate </span><span class=\"S2F20 S266A S2\" id=\"t93_137\">1,667 </span><span class=\"S2F21 S266A S2\" id=\"t94_137\">- </span><span class=\"S2F22 S266A S2\" id=\"t95_137\">1,215 </span><span class=\"S2F23 S266A S2\" id=\"t96_137\">- </span><span class=\"S2F24 S266A S2\" id=\"t97_137\">150,125 </span><span class=\"S2F25 S266A S2\" id=\"t98_137\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_137\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_137\">- </span><span class=\"S2F28 S266A S2\" id=\"t9b_137\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_137\">- </span><span class=\"S2D70 S266A S2\" id=\"t9d_137\">- </span><span class=\"S2D71 S266A S2\" id=\"t9e_137\">- </span><span class=\"S2F2A S266A S2\" id=\"t9f_137\">153,007 </span><span class=\"S2D73 S266A S2\" id=\"t9g_137\">- </span><span class=\"S2F2B S2669 S2\" id=\"t9h_137\">153,007 </span><span class=\"S2C11 S266A S2\" id=\"t9i_137\">non-interest-bearing </span><span class=\"S2F2C S266A S2\" id=\"t9j_137\">- </span><span class=\"S2F2D S266A S2\" id=\"t9k_137\">- </span><span class=\"S2F2E S266A S2\" id=\"t9l_137\">- </span><span class=\"S2F2F S266A S2\" id=\"t9m_137\">- </span><span class=\"S2F30 S266A S2\" id=\"t9n_137\">- </span><span class=\"S2F31 S266A S2\" id=\"t9o_137\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_137\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_137\">- </span><span class=\"S2F34 S266A S2\" id=\"t9r_137\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_137\">- </span><span class=\"S2F36 S266A S2\" id=\"t9t_137\">- </span><span class=\"S2F37 S266A S2\" id=\"t9u_137\">18 </span><span class=\"S2F38 S266A S2\" id=\"t9v_137\">- </span><span class=\"S2F39 S266A S2\" id=\"t9w_137\">18 </span><span class=\"S2F3A S2669 S2\" id=\"t9x_137\">18 </span><span class=\"S2AC1 SB S2\" id=\"t5_138\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_138\">As at 31 December 2022 [continued] </span><span class=\"S2F3B S2669 S2\" id=\"t7_138\">LIABILITIES [continued] </span><span class=\"S2F3C S2669 S2\" id=\"t8_138\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_138\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_138\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_138\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_138\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_138\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_138\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_138\">Over 2 years </span><span class=\"S2F3D S2669 S2\" id=\"tg_138\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_138\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_138\">Total </span><span class=\"S2F3F S2669 S2\" id=\"tj_138\">HUF </span><span class=\"S2F40 S2669 S2\" id=\"tk_138\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tl_138\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_138\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_138\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_138\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_138\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_138\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"tr_138\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_138\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_138\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_138\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_138\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_138\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_138\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_138\">financial instruments </span><span class=\"S2F47 S2669 S2\" id=\"tz_138\">2,868,787 </span><span class=\"S2F48 S2669 S2\" id=\"t10_138\">2,091,600 </span><span class=\"S2F49 S2669 S2\" id=\"t11_138\">478,930 </span><span class=\"S2F4A S2669 S2\" id=\"t12_138\">1,824,450 </span><span class=\"S2C42 S2669 S2\" id=\"t13_138\">577,862 </span><span class=\"S2F4B S2669 S2\" id=\"t14_138\">556,209 </span><span class=\"S2C44 S2669 S2\" id=\"t15_138\">22,780 </span><span class=\"S2F4C S2669 S2\" id=\"t16_138\">36,714 </span><span class=\"S2F4D S2669 S2\" id=\"t17_138\">118,071 </span><span class=\"S2C47 S2669 S2\" id=\"t18_138\">113,968 </span><span class=\"S2F4E S2669 S2\" id=\"t19_138\">246,135 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_138\">529,820 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_138\">4,312,565 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_138\">5,152,761 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_138\">9,465,326 </span><span class=\"S2C4D S266A S2\" id=\"t1e_138\">fixed rate </span><span class=\"S2F52 S266A S2\" id=\"t1f_138\">2,783,756 </span><span class=\"S2F53 S266A S2\" id=\"t1g_138\">1,945,423 </span><span class=\"S2F54 S266A S2\" id=\"t1h_138\">331,253 </span><span class=\"S2F55 S266A S2\" id=\"t1i_138\">972,676 </span><span class=\"S2C52 S266A S2\" id=\"t1j_138\">218,514 </span><span class=\"S2F56 S266A S2\" id=\"t1k_138\">531,863 </span><span class=\"S2C54 S266A S2\" id=\"t1l_138\">22,758 </span><span class=\"S2F57 S266A S2\" id=\"t1m_138\">36,714 </span><span class=\"S2F58 S266A S2\" id=\"t1n_138\">118,071 </span><span class=\"S2C57 S266A S2\" id=\"t1o_138\">113,968 </span><span class=\"S2F59 S266A S2\" id=\"t1p_138\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_138\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_138\">3,474,352 </span><span class=\"S2F5C S266A S2\" id=\"t1s_138\">3,600,644 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_138\">7,074,996 </span><span class=\"S2C5C S266A S2\" id=\"t1u_138\">variable rate </span><span class=\"S2F5D S266A S2\" id=\"t1v_138\">85,031 </span><span class=\"S2F5E S266A S2\" id=\"t1w_138\">146,177 </span><span class=\"S2F5F S266A S2\" id=\"t1x_138\">147,677 </span><span class=\"S2F60 S266A S2\" id=\"t1y_138\">851,774 </span><span class=\"S2F61 S266A S2\" id=\"t1z_138\">359,348 </span><span class=\"S2F62 S266A S2\" id=\"t20_138\">24,346 </span><span class=\"S2F63 S266A S2\" id=\"t21_138\">22 </span><span class=\"S2F64 S266A S2\" id=\"t22_138\">- </span><span class=\"S2C65 S266A S2\" id=\"t23_138\">- </span><span class=\"S2C66 S266A S2\" id=\"t24_138\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_138\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_138\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_138\">592,078 </span><span class=\"S2F68 S266A S2\" id=\"t28_138\">1,022,297 </span><span class=\"S2AFF S2669 S2\" id=\"t29_138\">1,614,375 </span><span class=\"S2C6C S266A S2\" id=\"t2a_138\">non-interest-bearing </span><span class=\"S2F69 S266A S2\" id=\"t2b_138\">- </span><span class=\"S2C6E S266A S2\" id=\"t2c_138\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_138\">- </span><span class=\"S2C70 S266A S2\" id=\"t2e_138\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_138\">- </span><span class=\"S2C72 S266A S2\" id=\"t2g_138\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_138\">- </span><span class=\"S2C74 S266A S2\" id=\"t2i_138\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_138\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_138\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_138\">246,135 </span><span class=\"S2F6B S266A S2\" id=\"t2m_138\">529,820 </span><span class=\"S2F6C S266A S2\" id=\"t2n_138\">246,135 </span><span class=\"S2F6D S266A S2\" id=\"t2o_138\">529,820 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_138\">775,955 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_138\">Leasing liabilities </span><span class=\"S2F6F S2669 S2\" id=\"t2r_138\">2,005 </span><span class=\"S2F70 S2669 S2\" id=\"t2s_138\">9,146 </span><span class=\"S2F71 S2669 S2\" id=\"t2t_138\">2 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_138\">1,329 </span><span class=\"S2F73 S2669 S2\" id=\"t2v_138\">- </span><span class=\"S2F74 S2669 S2\" id=\"t2w_138\">5,384 </span><span class=\"S2F75 S2669 S2\" id=\"t2x_138\">4 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_138\">7,647 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_138\">1,277 </span><span class=\"S2F78 S2669 S2\" id=\"t30_138\">31,084 </span><span class=\"S2F79 S2669 S2\" id=\"t31_138\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_138\">5,900 </span><span class=\"S2F7B S2669 S2\" id=\"t33_138\">3,288 </span><span class=\"S2F7C S2669 S2\" id=\"t34_138\">60,490 </span><span class=\"S2F7D S2669 S2\" id=\"t35_138\">63,778 </span><span class=\"S2C8B S266A S2\" id=\"t36_138\">fixed rate </span><span class=\"S2F7E S266A S2\" id=\"t37_138\">1,905 </span><span class=\"S2F7F S266A S2\" id=\"t38_138\">8,686 </span><span class=\"S2F80 S266A S2\" id=\"t39_138\">1 </span><span class=\"S2F81 S266A S2\" id=\"t3a_138\">408 </span><span class=\"S2F82 S266A S2\" id=\"t3b_138\">- </span><span class=\"S2F83 S266A S2\" id=\"t3c_138\">2,197 </span><span class=\"S2F84 S266A S2\" id=\"t3d_138\">4 </span><span class=\"S2F85 S266A S2\" id=\"t3e_138\">2,541 </span><span class=\"S2F86 S266A S2\" id=\"t3f_138\">1,277 </span><span class=\"S2F87 S266A S2\" id=\"t3g_138\">17,244 </span><span class=\"S2F88 S266A S2\" id=\"t3h_138\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_138\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_138\">3,187 </span><span class=\"S2F8B S266A S2\" id=\"t3k_138\">31,076 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_138\">34,263 </span><span class=\"S2C9A S266A S2\" id=\"t3m_138\">variable rate </span><span class=\"S2F8D S266A S2\" id=\"t3n_138\">100 </span><span class=\"S2F8E S266A S2\" id=\"t3o_138\">460 </span><span class=\"S2F8F S266A S2\" id=\"t3p_138\">1 </span><span class=\"S2F90 S266A S2\" id=\"t3q_138\">921 </span><span class=\"S2C9F S266A S2\" id=\"t3r_138\">- </span><span class=\"S2F91 S266A S2\" id=\"t3s_138\">3,187 </span><span class=\"S2CA1 S266A S2\" id=\"t3t_138\">- </span><span class=\"S2F92 S266A S2\" id=\"t3u_138\">5,106 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_138\">- </span><span class=\"S2F93 S266A S2\" id=\"t3w_138\">13,840 </span><span class=\"S2F94 S266A S2\" id=\"t3x_138\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_138\">- </span><span class=\"S2F96 S266A S2\" id=\"t3z_138\">101 </span><span class=\"S2F97 S266A S2\" id=\"t40_138\">23,514 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_138\">23,615 </span><span class=\"S2CAA S266A S2\" id=\"t42_138\">non-interest-bearing </span><span class=\"S2F98 S266A S2\" id=\"t43_138\">- </span><span class=\"S2CAC S266A S2\" id=\"t44_138\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_138\">- </span><span class=\"S2CAE S266A S2\" id=\"t46_138\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_138\">- </span><span class=\"S2CB0 S266A S2\" id=\"t48_138\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_138\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4a_138\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_138\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_138\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_138\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_138\">5,900 </span><span class=\"S2F9B S266A S2\" id=\"t4f_138\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_138\">5,900 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_138\">5,900 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_138\">Other financial liabilities </span><span class=\"S2F9F S2669 S2\" id=\"t4j_138\">93,677 </span><span class=\"S2FA0 S2669 S2\" id=\"t4k_138\">36,041 </span><span class=\"S2FA1 S2669 S2\" id=\"t4l_138\">2,247 </span><span class=\"S2FA2 S2669 S2\" id=\"t4m_138\">1,735 </span><span class=\"S2FA3 S2669 S2\" id=\"t4n_138\">11 </span><span class=\"S2FA4 S2669 S2\" id=\"t4o_138\">6,706 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_138\">- </span><span class=\"S2FA6 S2669 S2\" id=\"t4q_138\">2,494 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_138\">- </span><span class=\"S2FA8 S2669 S2\" id=\"t4s_138\">2,408 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_138\">288,478 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_138\">211,855 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_138\">384,413 </span><span class=\"S2FAC S2669 S2\" id=\"t4w_138\">261,239 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_138\">645,652 </span><span class=\"S2FAD S266A S2\" id=\"t4y_138\">fixed rate </span><span class=\"S2FAE S266A S2\" id=\"t4z_138\">93,668 </span><span class=\"S2FAF S266A S2\" id=\"t50_138\">35,843 </span><span class=\"S2FB0 S266A S2\" id=\"t51_138\">1,748 </span><span class=\"S2FB1 S266A S2\" id=\"t52_138\">1,735 </span><span class=\"S2FB2 S266A S2\" id=\"t53_138\">7 </span><span class=\"S2FB3 S266A S2\" id=\"t54_138\">3,283 </span><span class=\"S2FB4 S266A S2\" id=\"t55_138\">- </span><span class=\"S2FB5 S266A S2\" id=\"t56_138\">2,401 </span><span class=\"S2FB6 S266A S2\" id=\"t57_138\">- </span><span class=\"S2FB7 S266A S2\" id=\"t58_138\">2,319 </span><span class=\"S2FB8 S266A S2\" id=\"t59_138\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_138\">- </span><span class=\"S2FBA S266A S2\" id=\"t5b_138\">95,423 </span><span class=\"S2FBB S266A S2\" id=\"t5c_138\">45,581 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_138\">141,004 </span><span class=\"S2FBD S266A S2\" id=\"t5e_138\">variable rate </span><span class=\"S2FBE S266A S2\" id=\"t5f_138\">9 </span><span class=\"S2FBF S266A S2\" id=\"t5g_138\">198 </span><span class=\"S2FC0 S266A S2\" id=\"t5h_138\">499 </span><span class=\"S2FC1 S266A S2\" id=\"t5i_138\">- </span><span class=\"S2FC2 S266A S2\" id=\"t5j_138\">4 </span><span class=\"S2FC3 S266A S2\" id=\"t5k_138\">3,423 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_138\">- </span><span class=\"S2FC5 S266A S2\" id=\"t5m_138\">93 </span><span class=\"S2FC6 S266A S2\" id=\"t5n_138\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_138\">89 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_138\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_138\">- </span><span class=\"S2FCA S266A S2\" id=\"t5r_138\">512 </span><span class=\"S2FCB S266A S2\" id=\"t5s_138\">3,803 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_138\">4,315 </span><span class=\"S2FCD S266A S2\" id=\"t5u_138\">non-interest-bearing </span><span class=\"S2FCE S266A S2\" id=\"t5v_138\">- </span><span class=\"S2FCF S266A S2\" id=\"t5w_138\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_138\">- </span><span class=\"S2FD1 S266A S2\" id=\"t5y_138\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_138\">- </span><span class=\"S2FD3 S266A S2\" id=\"t60_138\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_138\">- </span><span class=\"S2FD5 S266A S2\" id=\"t62_138\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_138\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_138\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_138\">288,478 </span><span class=\"S2FD9 S266A S2\" id=\"t66_138\">211,855 </span><span class=\"S2FDA S266A S2\" id=\"t67_138\">288,478 </span><span class=\"S2FDB S266A S2\" id=\"t68_138\">211,855 </span><span class=\"S2FDC S2669 S2\" id=\"t69_138\">500,333 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_138\">Subordinated bonds and loans </span><span class=\"S2FDE S2669 S2\" id=\"t6b_138\">- </span><span class=\"S2CEA S2669 S2\" id=\"t6c_138\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_138\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_138\">93,110 </span><span class=\"S2CED S2669 S2\" id=\"t6f_138\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_138\">201,076 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_138\">- </span><span class=\"S2CF0 S2669 S2\" id=\"t6i_138\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_138\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_138\">7,798 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_138\">- </span><span class=\"S2FE3 S2669 S2\" id=\"t6m_138\">- </span><span class=\"S2FE4 S2669 S2\" id=\"t6n_138\">- </span><span class=\"S2FE5 S2669 S2\" id=\"t6o_138\">301,984 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_138\">301,984 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_138\">fixed rate </span><span class=\"S2FE7 S266A S2\" id=\"t6r_138\">- </span><span class=\"S2FE8 S266A S2\" id=\"t6s_138\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_138\">- </span><span class=\"S2FEA S266A S2\" id=\"t6u_138\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_138\">- </span><span class=\"S2FEC S266A S2\" id=\"t6w_138\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_138\">- </span><span class=\"S2FEE S266A S2\" id=\"t6y_138\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_138\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_138\">7,798 </span><span class=\"S2FF1 S266A S2\" id=\"t71_138\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_138\">- </span><span class=\"S2FF3 S266A S2\" id=\"t73_138\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_138\">7,798 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_138\">7,798 </span><span class=\"S2FF6 S266A S2\" id=\"t76_138\">variable rate </span><span class=\"S2FF7 S266A S2\" id=\"t77_138\">- </span><span class=\"S2FF8 S266A S2\" id=\"t78_138\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_138\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_138\">93,110 </span><span class=\"S2FFB S266A S2\" id=\"t7b_138\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_138\">201,076 </span><span class=\"S2FFD S266A S2\" id=\"t7d_138\">- </span><span class=\"S2FFE S266A S2\" id=\"t7e_138\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_138\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_138\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_138\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_138\">- </span><span class=\"S3003 S266A S2\" id=\"t7j_138\">- </span><span class=\"S3004 S266A S2\" id=\"t7k_138\">294,186 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_138\">294,186 </span><span class=\"S3005 S266A S2\" id=\"t7m_138\">non-interest-bearing </span><span class=\"S3006 S266A S2\" id=\"t7n_138\">- </span><span class=\"S3007 S266A S2\" id=\"t7o_138\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_138\">- </span><span class=\"S3009 S266A S2\" id=\"t7q_138\">- </span><span class=\"S300A S266A S2\" id=\"t7r_138\">- </span><span class=\"S300B S266A S2\" id=\"t7s_138\">- </span><span class=\"S300C S266A S2\" id=\"t7t_138\">- </span><span class=\"S300D S266A S2\" id=\"t7u_138\">- </span><span class=\"S300E S266A S2\" id=\"t7v_138\">- </span><span class=\"S300F S266A S2\" id=\"t7w_138\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_138\">- </span><span class=\"S3011 S266A S2\" id=\"t7y_138\">- </span><span class=\"S3012 S266A S2\" id=\"t7z_138\">- </span><span class=\"S3013 S266A S2\" id=\"t80_138\">- </span><span class=\"S3014 S2669 S2\" id=\"t81_138\">- </span><span class=\"S3015 S2669 S2\" id=\"t82_138\">Net position </span><span class=\"S3016 S2669 S2\" id=\"t83_138\">(6,681,274) </span><span class=\"S3017 S2669 S2\" id=\"t84_138\">(3,560,594) </span><span class=\"S3018 S2669 S2\" id=\"t85_138\">2,506,895 </span><span class=\"S3019 S2669 S2\" id=\"t86_138\">785,846 </span><span class=\"S301A S2669 S2\" id=\"t87_138\">236,208 </span><span class=\"S301B S2669 S2\" id=\"t88_138\">825,677 </span><span class=\"S301C S2669 S2\" id=\"t89_138\">449,748 </span><span class=\"S301D S2669 S2\" id=\"t8a_138\">500,607 </span><span class=\"S301E S2669 S2\" id=\"t8b_138\">3,589,198 </span><span class=\"S301F S2669 S2\" id=\"t8c_138\">2,277,983 </span><span class=\"S3020 S2669 S2\" id=\"t8d_138\">(154,136) </span><span class=\"S3021 S2669 S2\" id=\"t8e_138\">1,637,790 </span><span class=\"S3022 S2669 S2\" id=\"t8f_138\">(53,361) </span><span class=\"S3023 S2669 S2\" id=\"t8g_138\">2,467,309 </span><span class=\"S3024 S2669 S2\" id=\"t8h_138\">2,413,948 </span><span class=\"S3025 SB S2\" id=\"t5_139\">37.4.  Interest rate risk management [continued] </span><span class=\"S2AC2 SB S2\" id=\"t6_139\">As at 31 December 2021 </span><span class=\"S3026 S2669 S2\" id=\"t7_139\">ASSETS </span><span class=\"S3027 S2669 S2\" id=\"t8_139\">Within 1 month </span><span class=\"S3028 S2669 S2\" id=\"t9_139\">Over 1 month and </span><span class=\"S3029 S2669 S2\" id=\"ta_139\">Within 3 months </span><span class=\"S302A S2669 S2\" id=\"tb_139\">Over 3 months and </span><span class=\"S2DFB S2669 S2\" id=\"tc_139\">Within 12 months </span><span class=\"S2DFC S2669 S2\" id=\"td_139\">Over 1 year and </span><span class=\"S2DFD S2669 S2\" id=\"te_139\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_139\">Over 2 years </span><span class=\"S302B S2669 S2\" id=\"tg_139\">Non-interest- </span><span class=\"S302C S2669 S2\" id=\"th_139\">bearing </span><span class=\"S302D S2669 S2\" id=\"ti_139\">Total </span><span class=\"S2ACF S2669 S2\" id=\"tj_139\">Total </span><span class=\"S302E S2669 S2\" id=\"tk_139\">HUF </span><span class=\"S302F S2669 S2\" id=\"tl_139\">Currency </span><span class=\"S3030 S2669 S2\" id=\"tm_139\">HUF </span><span class=\"S3031 S2669 S2\" id=\"tn_139\">Currency </span><span class=\"S3032 S2669 S2\" id=\"to_139\">HUF </span><span class=\"S2E06 S2669 S2\" id=\"tp_139\">Currency </span><span class=\"S2E07 S2669 S2\" id=\"tq_139\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_139\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_139\">HUF </span><span class=\"S3033 S2669 S2\" id=\"tt_139\">Currency </span><span class=\"S3034 S2669 S2\" id=\"tu_139\">HUF </span><span class=\"S3035 S2669 S2\" id=\"tv_139\">Currency </span><span class=\"S3036 S2669 S2\" id=\"tw_139\">HUF </span><span class=\"S2ADD S2669 S2\" id=\"tx_139\">Currency </span><span class=\"S2ADE S2669 S2\" id=\"ty_139\">Cash, amounts due from banks and balances </span><span class=\"S2ADF S2669 S2\" id=\"tz_139\">with the </span><span class=\"S2AE0 S2669 S2\" id=\"t10_139\">National Banks </span><span class=\"S3037 S2669 S2\" id=\"t11_139\">37,712 </span><span class=\"S3038 S2669 S2\" id=\"t12_139\">821,501 </span><span class=\"S3039 S2669 S2\" id=\"t13_139\">- </span><span class=\"S303A S2669 S2\" id=\"t14_139\">28,183 </span><span class=\"S303B S2669 S2\" id=\"t15_139\">- </span><span class=\"S303C S2669 S2\" id=\"t16_139\">12,391 </span><span class=\"S303D S2669 S2\" id=\"t17_139\">- </span><span class=\"S303E S2669 S2\" id=\"t18_139\">6,697 </span><span class=\"S303F S2669 S2\" id=\"t19_139\">- </span><span class=\"S3040 S2669 S2\" id=\"t1a_139\">12,423 </span><span class=\"S3041 S2669 S2\" id=\"t1b_139\">133,248 </span><span class=\"S3042 S2669 S2\" id=\"t1c_139\">1,503,880 </span><span class=\"S2AED S2669 S2\" id=\"t1d_139\">170,960 </span><span class=\"S2AEE S2669 S2\" id=\"t1e_139\">2,385,075 </span><span class=\"S2AEF S2669 S2\" id=\"t1f_139\">2,556,035 </span><span class=\"S2AF0 S266A S2\" id=\"t1g_139\">fixed rate </span><span class=\"S3043 S266A S2\" id=\"t1h_139\">36,376 </span><span class=\"S3044 S266A S2\" id=\"t1i_139\">661,318 </span><span class=\"S3045 S266A S2\" id=\"t1j_139\">- </span><span class=\"S3046 S266A S2\" id=\"t1k_139\">28,183 </span><span class=\"S3047 S266A S2\" id=\"t1l_139\">- </span><span class=\"S2E15 S266A S2\" id=\"t1m_139\">12,391 </span><span class=\"S3048 S266A S2\" id=\"t1n_139\">- </span><span class=\"S2E17 S266A S2\" id=\"t1o_139\">6,697 </span><span class=\"S3049 S266A S2\" id=\"t1p_139\">- </span><span class=\"S2E19 S266A S2\" id=\"t1q_139\">12,423 </span><span class=\"S304A S266A S2\" id=\"t1r_139\">- </span><span class=\"S304B S266A S2\" id=\"t1s_139\">- </span><span class=\"S304C S266A S2\" id=\"t1t_139\">36,376 </span><span class=\"S304D S266A S2\" id=\"t1u_139\">721,012 </span><span class=\"S304E S2669 S2\" id=\"t1v_139\">757,388 </span><span class=\"S2B00 S266A S2\" id=\"t1w_139\">variable rate </span><span class=\"S304F S266A S2\" id=\"t1x_139\">1,336 </span><span class=\"S3050 S266A S2\" id=\"t1y_139\">160,183 </span><span class=\"S3051 S266A S2\" id=\"t1z_139\">- </span><span class=\"S3052 S266A S2\" id=\"t20_139\">- </span><span class=\"S3053 S266A S2\" id=\"t21_139\">- </span><span class=\"S3054 S266A S2\" id=\"t22_139\">- </span><span class=\"S3055 S266A S2\" id=\"t23_139\">- </span><span class=\"S3056 S266A S2\" id=\"t24_139\">- </span><span class=\"S3057 S266A S2\" id=\"t25_139\">- </span><span class=\"S3058 S266A S2\" id=\"t26_139\">- </span><span class=\"S3059 S266A S2\" id=\"t27_139\">- </span><span class=\"S305A S266A S2\" id=\"t28_139\">- </span><span class=\"S305B S266A S2\" id=\"t29_139\">1,336 </span><span class=\"S2B0E S266A S2\" id=\"t2a_139\">160,183 </span><span class=\"S2B0F S2669 S2\" id=\"t2b_139\">161,519 </span><span class=\"S2B10 S266A S2\" id=\"t2c_139\">non-interest-bearing </span><span class=\"S305C S266A S2\" id=\"t2d_139\">- </span><span class=\"S305D S266A S2\" id=\"t2e_139\">- </span><span class=\"S305E S266A S2\" id=\"t2f_139\">- </span><span class=\"S305F S266A S2\" id=\"t2g_139\">- </span><span class=\"S2E33 S266A S2\" id=\"t2h_139\">- </span><span class=\"S3060 S266A S2\" id=\"t2i_139\">- </span><span class=\"S2E35 S266A S2\" id=\"t2j_139\">- </span><span class=\"S3061 S266A S2\" id=\"t2k_139\">- </span><span class=\"S3062 S266A S2\" id=\"t2l_139\">- </span><span class=\"S3063 S266A S2\" id=\"t2m_139\">- </span><span class=\"S3064 S266A S2\" id=\"t2n_139\">133,248 </span><span class=\"S3065 S266A S2\" id=\"t2o_139\">1,503,880 </span><span class=\"S2B1D S266A S2\" id=\"t2p_139\">133,248 </span><span class=\"S2B1E S266A S2\" id=\"t2q_139\">1,503,880 </span><span class=\"S2B1F S2669 S2\" id=\"t2r_139\">1,637,128 </span><span class=\"S3066 S2669 S2\" id=\"t2s_139\">Placements with other banks </span><span class=\"S3067 S2669 S2\" id=\"t2t_139\">435,888 </span><span class=\"S3068 S2669 S2\" id=\"t2u_139\">360,795 </span><span class=\"S3069 S2669 S2\" id=\"t2v_139\">67,304 </span><span class=\"S306A S2669 S2\" id=\"t2w_139\">109,822 </span><span class=\"S306B S2669 S2\" id=\"t2x_139\">30,509 </span><span class=\"S306C S2669 S2\" id=\"t2y_139\">50,770 </span><span class=\"S306D S2669 S2\" id=\"t2z_139\">49,632 </span><span class=\"S306E S2669 S2\" id=\"t30_139\">27,234 </span><span class=\"S306F S2669 S2\" id=\"t31_139\">405,437 </span><span class=\"S3070 S2669 S2\" id=\"t32_139\">17,202 </span><span class=\"S3071 S2669 S2\" id=\"t33_139\">24,415 </span><span class=\"S3072 S2669 S2\" id=\"t34_139\">5,853 </span><span class=\"S3073 S2669 S2\" id=\"t35_139\">1,013,185 </span><span class=\"S2B2E S2669 S2\" id=\"t36_139\">571,676 </span><span class=\"S2B2F S2669 S2\" id=\"t37_139\">1,584,861 </span><span class=\"S2B30 S266A S2\" id=\"t38_139\">fixed rate </span><span class=\"S3074 S266A S2\" id=\"t39_139\">271,734 </span><span class=\"S3075 S266A S2\" id=\"t3a_139\">134,382 </span><span class=\"S3076 S266A S2\" id=\"t3b_139\">449 </span><span class=\"S3077 S266A S2\" id=\"t3c_139\">96,918 </span><span class=\"S3078 S266A S2\" id=\"t3d_139\">1,007 </span><span class=\"S3079 S266A S2\" id=\"t3e_139\">50,238 </span><span class=\"S307A S266A S2\" id=\"t3f_139\">49,632 </span><span class=\"S307B S266A S2\" id=\"t3g_139\">27,234 </span><span class=\"S307C S266A S2\" id=\"t3h_139\">254,065 </span><span class=\"S307D S266A S2\" id=\"t3i_139\">17,202 </span><span class=\"S307E S266A S2\" id=\"t3j_139\">- </span><span class=\"S307F S266A S2\" id=\"t3k_139\">- </span><span class=\"S3080 S266A S2\" id=\"t3l_139\">576,887 </span><span class=\"S2B3E S266A S2\" id=\"t3m_139\">325,974 </span><span class=\"S2B3F S2669 S2\" id=\"t3n_139\">902,861 </span><span class=\"S2B40 S266A S2\" id=\"t3o_139\">variable rate </span><span class=\"S3081 S266A S2\" id=\"t3p_139\">164,154 </span><span class=\"S3082 S266A S2\" id=\"t3q_139\">226,413 </span><span class=\"S3083 S266A S2\" id=\"t3r_139\">66,855 </span><span class=\"S3084 S266A S2\" id=\"t3s_139\">12,904 </span><span class=\"S3085 S266A S2\" id=\"t3t_139\">29,502 </span><span class=\"S3086 S266A S2\" id=\"t3u_139\">532 </span><span class=\"S2E5F S266A S2\" id=\"t3v_139\">- </span><span class=\"S2E60 S266A S2\" id=\"t3w_139\">- </span><span class=\"S3087 S266A S2\" id=\"t3x_139\">151,372 </span><span class=\"S2E62 S266A S2\" id=\"t3y_139\">- </span><span class=\"S3088 S266A S2\" id=\"t3z_139\">- </span><span class=\"S3089 S266A S2\" id=\"t40_139\">- </span><span class=\"S2B4D S266A S2\" id=\"t41_139\">411,883 </span><span class=\"S2B4E S266A S2\" id=\"t42_139\">239,849 </span><span class=\"S2B4F S2669 S2\" id=\"t43_139\">651,732 </span><span class=\"S2B50 S266A S2\" id=\"t44_139\">non-interest-bearing </span><span class=\"S308A S266A S2\" id=\"t45_139\">- </span><span class=\"S308B S266A S2\" id=\"t46_139\">- </span><span class=\"S308C S266A S2\" id=\"t47_139\">- </span><span class=\"S308D S266A S2\" id=\"t48_139\">- </span><span class=\"S2E6B S266A S2\" id=\"t49_139\">- </span><span class=\"S2E6C S266A S2\" id=\"t4a_139\">- </span><span class=\"S2E6D S266A S2\" id=\"t4b_139\">- </span><span class=\"S2E6E S266A S2\" id=\"t4c_139\">- </span><span class=\"S308E S266A S2\" id=\"t4d_139\">- </span><span class=\"S2E70 S266A S2\" id=\"t4e_139\">- </span><span class=\"S308F S266A S2\" id=\"t4f_139\">24,415 </span><span class=\"S3090 S266A S2\" id=\"t4g_139\">5,853 </span><span class=\"S2B5C S266A S2\" id=\"t4h_139\">24,415 </span><span class=\"S3091 S266A S2\" id=\"t4i_139\">5,853 </span><span class=\"S3092 S2669 S2\" id=\"t4j_139\">30,268 </span><span class=\"S3093 S2669 S2\" id=\"t4k_139\">Repo receivables </span><span class=\"S3094 S2669 S2\" id=\"t4l_139\">33,638 </span><span class=\"S3095 S2669 S2\" id=\"t4m_139\">21,535 </span><span class=\"S3096 S2669 S2\" id=\"t4n_139\">- </span><span class=\"S3097 S2669 S2\" id=\"t4o_139\">5,828 </span><span class=\"S2E7A S2669 S2\" id=\"t4p_139\">- </span><span class=\"S2E7B S2669 S2\" id=\"t4q_139\">- </span><span class=\"S2E7C S2669 S2\" id=\"t4r_139\">- </span><span class=\"S2E7D S2669 S2\" id=\"t4s_139\">- </span><span class=\"S3098 S2669 S2\" id=\"t4t_139\">- </span><span class=\"S2E7F S2669 S2\" id=\"t4u_139\">- </span><span class=\"S3099 S2669 S2\" id=\"t4v_139\">- </span><span class=\"S309A S2669 S2\" id=\"t4w_139\">51 </span><span class=\"S2B6C S2669 S2\" id=\"t4x_139\">33,638 </span><span class=\"S309B S2669 S2\" id=\"t4y_139\">27,414 </span><span class=\"S2B6E S2669 S2\" id=\"t4z_139\">61,052 </span><span class=\"S2B6F S266A S2\" id=\"t50_139\">fixed rate </span><span class=\"S309C S266A S2\" id=\"t51_139\">33,638 </span><span class=\"S309D S266A S2\" id=\"t52_139\">21,535 </span><span class=\"S309E S266A S2\" id=\"t53_139\">- </span><span class=\"S309F S266A S2\" id=\"t54_139\">5,828 </span><span class=\"S30A0 S266A S2\" id=\"t55_139\">- </span><span class=\"S30A1 S266A S2\" id=\"t56_139\">- </span><span class=\"S30A2 S266A S2\" id=\"t57_139\">- </span><span class=\"S30A3 S266A S2\" id=\"t58_139\">- </span><span class=\"S30A4 S266A S2\" id=\"t59_139\">- </span><span class=\"S30A5 S266A S2\" id=\"t5a_139\">- </span><span class=\"S30A6 S266A S2\" id=\"t5b_139\">- </span><span class=\"S30A7 S266A S2\" id=\"t5c_139\">- </span><span class=\"S2B7C S266A S2\" id=\"t5d_139\">33,638 </span><span class=\"S30A8 S266A S2\" id=\"t5e_139\">27,363 </span><span class=\"S2B7E S2669 S2\" id=\"t5f_139\">61,001 </span><span class=\"S2B7F S266A S2\" id=\"t5g_139\">variable rate </span><span class=\"S30A9 S266A S2\" id=\"t5h_139\">- </span><span class=\"S30AA S266A S2\" id=\"t5i_139\">- </span><span class=\"S30AB S266A S2\" id=\"t5j_139\">- </span><span class=\"S30AC S266A S2\" id=\"t5k_139\">- </span><span class=\"S2E8B S266A S2\" id=\"t5l_139\">- </span><span class=\"S2E8C S266A S2\" id=\"t5m_139\">- </span><span class=\"S2E8D S266A S2\" id=\"t5n_139\">- </span><span class=\"S2E8E S266A S2\" id=\"t5o_139\">- </span><span class=\"S30AD S266A S2\" id=\"t5p_139\">- </span><span class=\"S2E90 S266A S2\" id=\"t5q_139\">- </span><span class=\"S30AE S266A S2\" id=\"t5r_139\">- </span><span class=\"S30AF S266A S2\" id=\"t5s_139\">- </span><span class=\"S2B8C S266A S2\" id=\"t5t_139\">- </span><span class=\"S2B8D S266A S2\" id=\"t5u_139\">- </span><span class=\"S2B8E S2669 S2\" id=\"t5v_139\">- </span><span class=\"S2B8F S266A S2\" id=\"t5w_139\">non-interest-bearing </span><span class=\"S30B0 S266A S2\" id=\"t5x_139\">- </span><span class=\"S30B1 S266A S2\" id=\"t5y_139\">- </span><span class=\"S30B2 S266A S2\" id=\"t5z_139\">- </span><span class=\"S30B3 S266A S2\" id=\"t60_139\">- </span><span class=\"S2E9A S266A S2\" id=\"t61_139\">- </span><span class=\"S2E9B S266A S2\" id=\"t62_139\">- </span><span class=\"S2E9C S266A S2\" id=\"t63_139\">- </span><span class=\"S2E9D S266A S2\" id=\"t64_139\">- </span><span class=\"S30B4 S266A S2\" id=\"t65_139\">- </span><span class=\"S2E9F S266A S2\" id=\"t66_139\">- </span><span class=\"S30B5 S266A S2\" id=\"t67_139\">- </span><span class=\"S30B6 S266A S2\" id=\"t68_139\">51 </span><span class=\"S2B9C S266A S2\" id=\"t69_139\">- </span><span class=\"S30B7 S266A S2\" id=\"t6a_139\">51 </span><span class=\"S2EA4 S2669 S2\" id=\"t6b_139\">51 </span><span class=\"S30B8 S2669 S2\" id=\"t6c_139\">Trading instruments at fair value through </span><span class=\"S2BA0 S2669 S2\" id=\"t6d_139\">profit or loss </span><span class=\"S30B9 S2669 S2\" id=\"t6e_139\">1,237 </span><span class=\"S30BA S2669 S2\" id=\"t6f_139\">7,034 </span><span class=\"S30BB S2669 S2\" id=\"t6g_139\">664 </span><span class=\"S30BC S2669 S2\" id=\"t6h_139\">26,796 </span><span class=\"S30BD S2669 S2\" id=\"t6i_139\">2,506 </span><span class=\"S30BE S2669 S2\" id=\"t6j_139\">16,960 </span><span class=\"S30BF S2669 S2\" id=\"t6k_139\">360 </span><span class=\"S30C0 S2669 S2\" id=\"t6l_139\">6,634 </span><span class=\"S30C1 S2669 S2\" id=\"t6m_139\">25,036 </span><span class=\"S30C2 S2669 S2\" id=\"t6n_139\">13,415 </span><span class=\"S30C3 S2669 S2\" id=\"t6o_139\">1,770 </span><span class=\"S30C4 S2669 S2\" id=\"t6p_139\">1,098 </span><span class=\"S2BAD S2669 S2\" id=\"t6q_139\">31,573 </span><span class=\"S2BAE S2669 S2\" id=\"t6r_139\">71,937 </span><span class=\"S2BAF S2669 S2\" id=\"t6s_139\">103,510 </span><span class=\"S2BB0 S266A S2\" id=\"t6t_139\">fixed rate </span><span class=\"S30C5 S266A S2\" id=\"t6u_139\">32 </span><span class=\"S30C6 S266A S2\" id=\"t6v_139\">7,034 </span><span class=\"S30C7 S266A S2\" id=\"t6w_139\">487 </span><span class=\"S30C8 S266A S2\" id=\"t6x_139\">26,796 </span><span class=\"S30C9 S266A S2\" id=\"t6y_139\">2,233 </span><span class=\"S30CA S266A S2\" id=\"t6z_139\">16,960 </span><span class=\"S30CB S266A S2\" id=\"t70_139\">360 </span><span class=\"S30CC S266A S2\" id=\"t71_139\">6,634 </span><span class=\"S30CD S266A S2\" id=\"t72_139\">25,036 </span><span class=\"S30CE S266A S2\" id=\"t73_139\">13,415 </span><span class=\"S30CF S266A S2\" id=\"t74_139\">- </span><span class=\"S30D0 S266A S2\" id=\"t75_139\">- </span><span class=\"S2BBD S266A S2\" id=\"t76_139\">28,148 </span><span class=\"S2BBE S266A S2\" id=\"t77_139\">70,839 </span><span class=\"S2BBF S2669 S2\" id=\"t78_139\">98,987 </span><span class=\"S2BC0 S266A S2\" id=\"t79_139\">variable rate </span><span class=\"S30D1 S266A S2\" id=\"t7a_139\">1,205 </span><span class=\"S30D2 S266A S2\" id=\"t7b_139\">- </span><span class=\"S30D3 S266A S2\" id=\"t7c_139\">177 </span><span class=\"S30D4 S266A S2\" id=\"t7d_139\">- </span><span class=\"S30D5 S266A S2\" id=\"t7e_139\">273 </span><span class=\"S30D6 S266A S2\" id=\"t7f_139\">- </span><span class=\"S30D7 S266A S2\" id=\"t7g_139\">- </span><span class=\"S30D8 S266A S2\" id=\"t7h_139\">- </span><span class=\"S30D9 S266A S2\" id=\"t7i_139\">- </span><span class=\"S30DA S266A S2\" id=\"t7j_139\">- </span><span class=\"S30DB S266A S2\" id=\"t7k_139\">- </span><span class=\"S30DC S266A S2\" id=\"t7l_139\">- </span><span class=\"S30DD S266A S2\" id=\"t7m_139\">1,655 </span><span class=\"S2BCE S266A S2\" id=\"t7n_139\">- </span><span class=\"S30DE S2669 S2\" id=\"t7o_139\">1,655 </span><span class=\"S2BD0 S266A S2\" id=\"t7p_139\">non-interest-bearing </span><span class=\"S30DF S266A S2\" id=\"t7q_139\">- </span><span class=\"S30E0 S266A S2\" id=\"t7r_139\">- </span><span class=\"S30E1 S266A S2\" id=\"t7s_139\">- </span><span class=\"S30E2 S266A S2\" id=\"t7t_139\">- </span><span class=\"S2EE9 S266A S2\" id=\"t7u_139\">- </span><span class=\"S2EEA S266A S2\" id=\"t7v_139\">- </span><span class=\"S2EEB S266A S2\" id=\"t7w_139\">- </span><span class=\"S30E3 S266A S2\" id=\"t7x_139\">- </span><span class=\"S30E4 S266A S2\" id=\"t7y_139\">- </span><span class=\"S2EEE S266A S2\" id=\"t7z_139\">- </span><span class=\"S30E5 S266A S2\" id=\"t80_139\">1,770 </span><span class=\"S30E6 S266A S2\" id=\"t81_139\">1,098 </span><span class=\"S30E7 S266A S2\" id=\"t82_139\">1,770 </span><span class=\"S2BDE S266A S2\" id=\"t83_139\">1,098 </span><span class=\"S30E8 S2669 S2\" id=\"t84_139\">2,868 </span><span class=\"S2BE0 S2669 S2\" id=\"t85_139\">Non-trading instruments mandatorily at fair </span><span class=\"S2BE1 S2669 S2\" id=\"t86_139\">value through profit or loss </span><span class=\"S30E9 S2669 S2\" id=\"t87_139\">- </span><span class=\"S30EA S2669 S2\" id=\"t88_139\">- </span><span class=\"S30EB S2669 S2\" id=\"t89_139\">- </span><span class=\"S30EC S2669 S2\" id=\"t8a_139\">- </span><span class=\"S30ED S2669 S2\" id=\"t8b_139\">- </span><span class=\"S30EE S2669 S2\" id=\"t8c_139\">- </span><span class=\"S30EF S2669 S2\" id=\"t8d_139\">- </span><span class=\"S2F0C S2669 S2\" id=\"t8e_139\">- </span><span class=\"S30F0 S2669 S2\" id=\"t8f_139\">- </span><span class=\"S30F1 S2669 S2\" id=\"t8g_139\">- </span><span class=\"S30F2 S2669 S2\" id=\"t8h_139\">28,074 </span><span class=\"S30F3 S2669 S2\" id=\"t8i_139\">25,329 </span><span class=\"S2BEE S2669 S2\" id=\"t8j_139\">28,074 </span><span class=\"S2BEF S2669 S2\" id=\"t8k_139\">25,329 </span><span class=\"S2BF0 S2669 S2\" id=\"t8l_139\">53,403 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_139\">fixed rate </span><span class=\"S30F4 S266A S2\" id=\"t8n_139\">- </span><span class=\"S30F5 S266A S2\" id=\"t8o_139\">- </span><span class=\"S30F6 S266A S2\" id=\"t8p_139\">- </span><span class=\"S30F7 S266A S2\" id=\"t8q_139\">- </span><span class=\"S30F8 S266A S2\" id=\"t8r_139\">- </span><span class=\"S30F9 S266A S2\" id=\"t8s_139\">- </span><span class=\"S30FA S266A S2\" id=\"t8t_139\">- </span><span class=\"S2F1A S266A S2\" id=\"t8u_139\">- </span><span class=\"S30FB S266A S2\" id=\"t8v_139\">- </span><span class=\"S30FC S266A S2\" id=\"t8w_139\">- </span><span class=\"S30FD S266A S2\" id=\"t8x_139\">- </span><span class=\"S30FE S266A S2\" id=\"t8y_139\">- </span><span class=\"S2BFE S266A S2\" id=\"t8z_139\">- </span><span class=\"S2BFF S266A S2\" id=\"t90_139\">- </span><span class=\"S2C00 S2669 S2\" id=\"t91_139\">- </span><span class=\"S2C01 S266A S2\" id=\"t92_139\">variable rate </span><span class=\"S30FF S266A S2\" id=\"t93_139\">- </span><span class=\"S3100 S266A S2\" id=\"t94_139\">- </span><span class=\"S3101 S266A S2\" id=\"t95_139\">- </span><span class=\"S3102 S266A S2\" id=\"t96_139\">- </span><span class=\"S3103 S266A S2\" id=\"t97_139\">- </span><span class=\"S2F25 S266A S2\" id=\"t98_139\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_139\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_139\">- </span><span class=\"S3104 S266A S2\" id=\"t9b_139\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_139\">- </span><span class=\"S3105 S266A S2\" id=\"t9d_139\">- </span><span class=\"S3106 S266A S2\" id=\"t9e_139\">- </span><span class=\"S2C0E S266A S2\" id=\"t9f_139\">- </span><span class=\"S2C0F S266A S2\" id=\"t9g_139\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9h_139\">- </span><span class=\"S2C11 S266A S2\" id=\"t9i_139\">non-interest-bearing </span><span class=\"S3107 S266A S2\" id=\"t9j_139\">- </span><span class=\"S3108 S266A S2\" id=\"t9k_139\">- </span><span class=\"S3109 S266A S2\" id=\"t9l_139\">- </span><span class=\"S310A S266A S2\" id=\"t9m_139\">- </span><span class=\"S2F30 S266A S2\" id=\"t9n_139\">- </span><span class=\"S2F31 S266A S2\" id=\"t9o_139\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_139\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_139\">- </span><span class=\"S310B S266A S2\" id=\"t9r_139\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_139\">- </span><span class=\"S310C S266A S2\" id=\"t9t_139\">28,074 </span><span class=\"S310D S266A S2\" id=\"t9u_139\">25,329 </span><span class=\"S2C1E S266A S2\" id=\"t9v_139\">28,074 </span><span class=\"S2C1F S266A S2\" id=\"t9w_139\">25,329 </span><span class=\"S2C20 S2669 S2\" id=\"t9x_139\">53,403 </span><span class=\"S2AC1 SB S2\" id=\"t5_140\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_140\">As at 31 December 2021 [continued] </span><span class=\"S310E S2669 S2\" id=\"t7_140\">ASSETS [continued] </span><span class=\"S310F S2669 S2\" id=\"t8_140\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_140\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_140\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_140\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_140\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_140\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_140\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_140\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_140\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_140\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_140\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_140\">Total </span><span class=\"S3112 S2669 S2\" id=\"tk_140\">HUF </span><span class=\"S3113 S2669 S2\" id=\"tl_140\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tm_140\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_140\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_140\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_140\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_140\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_140\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_140\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_140\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_140\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_140\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_140\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_140\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_140\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_140\">comprehensive income </span><span class=\"S3115 S2669 S2\" id=\"t10_140\">205,473 </span><span class=\"S3116 S2669 S2\" id=\"t11_140\">291,988 </span><span class=\"S2C40 S2669 S2\" id=\"t12_140\">22,420 </span><span class=\"S2C41 S2669 S2\" id=\"t13_140\">92,258 </span><span class=\"S3117 S2669 S2\" id=\"t14_140\">97,202 </span><span class=\"S2C43 S2669 S2\" id=\"t15_140\">202,157 </span><span class=\"S2C44 S2669 S2\" id=\"t16_140\">40,289 </span><span class=\"S2C45 S2669 S2\" id=\"t17_140\">177,681 </span><span class=\"S2C46 S2669 S2\" id=\"t18_140\">362,610 </span><span class=\"S2C47 S2669 S2\" id=\"t19_140\">697,456 </span><span class=\"S3118 S2669 S2\" id=\"t1a_140\">(353) </span><span class=\"S2C49 S2669 S2\" id=\"t1b_140\">35,329 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_140\">727,641 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_140\">1,496,869 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_140\">2,224,510 </span><span class=\"S2C4D S266A S2\" id=\"t1f_140\">fixed rate </span><span class=\"S3119 S266A S2\" id=\"t1g_140\">157,136 </span><span class=\"S311A S266A S2\" id=\"t1h_140\">291,987 </span><span class=\"S311B S266A S2\" id=\"t1i_140\">6,897 </span><span class=\"S2C51 S266A S2\" id=\"t1j_140\">92,258 </span><span class=\"S311C S266A S2\" id=\"t1k_140\">88,628 </span><span class=\"S2C53 S266A S2\" id=\"t1l_140\">202,157 </span><span class=\"S2C54 S266A S2\" id=\"t1m_140\">40,289 </span><span class=\"S2C55 S266A S2\" id=\"t1n_140\">177,681 </span><span class=\"S2C56 S266A S2\" id=\"t1o_140\">395,460 </span><span class=\"S2C57 S266A S2\" id=\"t1p_140\">684,739 </span><span class=\"S2C58 S266A S2\" id=\"t1q_140\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_140\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_140\">688,410 </span><span class=\"S2C5B S266A S2\" id=\"t1t_140\">1,448,822 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_140\">2,137,232 </span><span class=\"S2C5C S266A S2\" id=\"t1v_140\">variable rate </span><span class=\"S311D S266A S2\" id=\"t1w_140\">48,337 </span><span class=\"S311E S266A S2\" id=\"t1x_140\">1 </span><span class=\"S311F S266A S2\" id=\"t1y_140\">15,523 </span><span class=\"S3120 S266A S2\" id=\"t1z_140\">- </span><span class=\"S3121 S266A S2\" id=\"t20_140\">8,574 </span><span class=\"S2C62 S266A S2\" id=\"t21_140\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_140\">- </span><span class=\"S2F64 S266A S2\" id=\"t23_140\">- </span><span class=\"S3122 S266A S2\" id=\"t24_140\">(32,850) </span><span class=\"S3123 S266A S2\" id=\"t25_140\">12,717 </span><span class=\"S2C67 S266A S2\" id=\"t26_140\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_140\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_140\">39,584 </span><span class=\"S2C6A S266A S2\" id=\"t29_140\">12,718 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_140\">52,302 </span><span class=\"S2C6C S266A S2\" id=\"t2b_140\">non-interest-bearing </span><span class=\"S3124 S266A S2\" id=\"t2c_140\">- </span><span class=\"S3125 S266A S2\" id=\"t2d_140\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_140\">- </span><span class=\"S3126 S266A S2\" id=\"t2f_140\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_140\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_140\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_140\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_140\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_140\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_140\">- </span><span class=\"S3127 S266A S2\" id=\"t2m_140\">(353) </span><span class=\"S2C78 S266A S2\" id=\"t2n_140\">35,329 </span><span class=\"S3128 S266A S2\" id=\"t2o_140\">(353) </span><span class=\"S2C7A S266A S2\" id=\"t2p_140\">35,329 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_140\">34,976 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_140\">Securities at amortized cost </span><span class=\"S3129 S2669 S2\" id=\"t2s_140\">117 </span><span class=\"S312A S2669 S2\" id=\"t2t_140\">124,634 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_140\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_140\">24,325 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_140\">365,576 </span><span class=\"S312B S2669 S2\" id=\"t2x_140\">28,559 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_140\">264,200 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_140\">56,712 </span><span class=\"S2C85 S2669 S2\" id=\"t30_140\">2,305,098 </span><span class=\"S312C S2669 S2\" id=\"t31_140\">722,114 </span><span class=\"S2C87 S2669 S2\" id=\"t32_140\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_140\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_140\">2,934,991 </span><span class=\"S2E3A S2669 S2\" id=\"t35_140\">956,344 </span><span class=\"S2B1F S2669 S2\" id=\"t36_140\">3,891,335 </span><span class=\"S2C8B S266A S2\" id=\"t37_140\">fixed rate </span><span class=\"S312D S266A S2\" id=\"t38_140\">- </span><span class=\"S312E S266A S2\" id=\"t39_140\">117,026 </span><span class=\"S2C8E S266A S2\" id=\"t3a_140\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_140\">19,513 </span><span class=\"S2C90 S266A S2\" id=\"t3c_140\">365,576 </span><span class=\"S312F S266A S2\" id=\"t3d_140\">28,559 </span><span class=\"S2C92 S266A S2\" id=\"t3e_140\">264,200 </span><span class=\"S2C93 S266A S2\" id=\"t3f_140\">56,712 </span><span class=\"S2C94 S266A S2\" id=\"t3g_140\">2,305,098 </span><span class=\"S3130 S266A S2\" id=\"t3h_140\">722,114 </span><span class=\"S2C96 S266A S2\" id=\"t3i_140\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_140\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_140\">2,934,874 </span><span class=\"S3131 S266A S2\" id=\"t3l_140\">943,924 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_140\">3,878,798 </span><span class=\"S2C9A S266A S2\" id=\"t3n_140\">variable rate </span><span class=\"S3074 S266A S2\" id=\"t3o_140\">117 </span><span class=\"S3132 S266A S2\" id=\"t3p_140\">7,608 </span><span class=\"S2C9D S266A S2\" id=\"t3q_140\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_140\">4,812 </span><span class=\"S2C9F S266A S2\" id=\"t3s_140\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_140\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_140\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_140\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_140\">- </span><span class=\"S3133 S266A S2\" id=\"t3x_140\">- </span><span class=\"S2CA5 S266A S2\" id=\"t3y_140\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_140\">- </span><span class=\"S3134 S266A S2\" id=\"t40_140\">117 </span><span class=\"S3135 S266A S2\" id=\"t41_140\">12,420 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_140\">12,537 </span><span class=\"S2CAA S266A S2\" id=\"t43_140\">non-interest-bearing </span><span class=\"S3136 S266A S2\" id=\"t44_140\">- </span><span class=\"S3137 S266A S2\" id=\"t45_140\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_140\">- </span><span class=\"S3138 S266A S2\" id=\"t47_140\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_140\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_140\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_140\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_140\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_140\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_140\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_140\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_140\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_140\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_140\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_140\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_140\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_140\">allowance for loan losses </span><span class=\"S3139 S2669 S2\" id=\"t4l_140\">800,665 </span><span class=\"S313A S2669 S2\" id=\"t4m_140\">5,419,263 </span><span class=\"S313B S2669 S2\" id=\"t4n_140\">534,858 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_140\">1,525,057 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_140\">60,259 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_140\">1,431,981 </span><span class=\"S313C S2669 S2\" id=\"t4r_140\">264,434 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_140\">410,199 </span><span class=\"S313D S2669 S2\" id=\"t4t_140\">1,636,001 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_140\">1,180,170 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_140\">121,187 </span><span class=\"S313E S2669 S2\" id=\"t4w_140\">109,109 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_140\">3,417,404 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_140\">10,075,779 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_140\">13,493,183 </span><span class=\"S2B6F S266A S2\" id=\"t50_140\">fixed rate </span><span class=\"S313F S266A S2\" id=\"t51_140\">51,410 </span><span class=\"S3140 S266A S2\" id=\"t52_140\">1,029,075 </span><span class=\"S3141 S266A S2\" id=\"t53_140\">2,075 </span><span class=\"S2CCE S266A S2\" id=\"t54_140\">260,668 </span><span class=\"S2CCF S266A S2\" id=\"t55_140\">16,048 </span><span class=\"S2CD0 S266A S2\" id=\"t56_140\">683,927 </span><span class=\"S3142 S266A S2\" id=\"t57_140\">187,209 </span><span class=\"S2CD2 S266A S2\" id=\"t58_140\">374,260 </span><span class=\"S2CD3 S266A S2\" id=\"t59_140\">942,294 </span><span class=\"S3143 S266A S2\" id=\"t5a_140\">835,327 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_140\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_140\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_140\">1,199,036 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_140\">3,183,257 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_140\">4,382,293 </span><span class=\"S2B7F S266A S2\" id=\"t5g_140\">variable rate </span><span class=\"S3144 S266A S2\" id=\"t5h_140\">749,255 </span><span class=\"S3145 S266A S2\" id=\"t5i_140\">4,390,188 </span><span class=\"S3146 S266A S2\" id=\"t5j_140\">532,783 </span><span class=\"S2CDD S266A S2\" id=\"t5k_140\">1,264,389 </span><span class=\"S2CDE S266A S2\" id=\"t5l_140\">44,211 </span><span class=\"S2CDF S266A S2\" id=\"t5m_140\">748,054 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_140\">77,225 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_140\">35,939 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_140\">693,707 </span><span class=\"S3147 S266A S2\" id=\"t5q_140\">344,843 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_140\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_140\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_140\">2,097,181 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_140\">6,783,413 </span><span class=\"S3148 S2669 S2\" id=\"t5v_140\">8,880,594 </span><span class=\"S2B8F S266A S2\" id=\"t5w_140\">non-interest-bearing </span><span class=\"S3149 S266A S2\" id=\"t5x_140\">- </span><span class=\"S314A S266A S2\" id=\"t5y_140\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_140\">- </span><span class=\"S314B S266A S2\" id=\"t60_140\">- </span><span class=\"S2CED S266A S2\" id=\"t61_140\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_140\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_140\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_140\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_140\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_140\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_140\">121,187 </span><span class=\"S314C S266A S2\" id=\"t68_140\">109,109 </span><span class=\"S2CF5 S266A S2\" id=\"t69_140\">121,187 </span><span class=\"S314D S266A S2\" id=\"t6a_140\">109,109 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_140\">230,296 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_140\">Finance lease receivables </span><span class=\"S314E S2669 S2\" id=\"t6d_140\">117,384 </span><span class=\"S314F S2669 S2\" id=\"t6e_140\">304,444 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_140\">16,580 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_140\">131,417 </span><span class=\"S3150 S2669 S2\" id=\"t6h_140\">5,736 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_140\">161,672 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_140\">20,288 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_140\">88,194 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_140\">197,583 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_140\">137,387 </span><span class=\"S2EB0 S2669 S2\" id=\"t6n_140\">- </span><span class=\"S3151 S2669 S2\" id=\"t6o_140\">1,943 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_140\">357,571 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_140\">825,057 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_140\">1,182,628 </span><span class=\"S2D08 S266A S2\" id=\"t6s_140\">fixed rate </span><span class=\"S3152 S266A S2\" id=\"t6t_140\">6,555 </span><span class=\"S3153 S266A S2\" id=\"t6u_140\">118,251 </span><span class=\"S2D0B S266A S2\" id=\"t6v_140\">440 </span><span class=\"S2D0C S266A S2\" id=\"t6w_140\">8,408 </span><span class=\"S2D0D S266A S2\" id=\"t6x_140\">5,736 </span><span class=\"S2D0E S266A S2\" id=\"t6y_140\">37,140 </span><span class=\"S2D0F S266A S2\" id=\"t6z_140\">20,288 </span><span class=\"S2D10 S266A S2\" id=\"t70_140\">40,715 </span><span class=\"S2D11 S266A S2\" id=\"t71_140\">188,967 </span><span class=\"S2D12 S266A S2\" id=\"t72_140\">64,125 </span><span class=\"S2D13 S266A S2\" id=\"t73_140\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_140\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_140\">221,986 </span><span class=\"S2D16 S266A S2\" id=\"t76_140\">268,639 </span><span class=\"S2BAF S2669 S2\" id=\"t77_140\">490,625 </span><span class=\"S2D17 S266A S2\" id=\"t78_140\">variable rate </span><span class=\"S3154 S266A S2\" id=\"t79_140\">110,829 </span><span class=\"S3155 S266A S2\" id=\"t7a_140\">186,193 </span><span class=\"S2D1A S266A S2\" id=\"t7b_140\">16,140 </span><span class=\"S2D1B S266A S2\" id=\"t7c_140\">123,009 </span><span class=\"S300A S266A S2\" id=\"t7d_140\">- </span><span class=\"S2D1D S266A S2\" id=\"t7e_140\">124,532 </span><span class=\"S300C S266A S2\" id=\"t7f_140\">- </span><span class=\"S2D1F S266A S2\" id=\"t7g_140\">47,479 </span><span class=\"S2D20 S266A S2\" id=\"t7h_140\">8,616 </span><span class=\"S3156 S266A S2\" id=\"t7i_140\">73,262 </span><span class=\"S2D22 S266A S2\" id=\"t7j_140\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_140\">- </span><span class=\"S3157 S266A S2\" id=\"t7l_140\">135,585 </span><span class=\"S2D25 S266A S2\" id=\"t7m_140\">554,475 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_140\">690,060 </span><span class=\"S2D27 S266A S2\" id=\"t7o_140\">non-interest-bearing </span><span class=\"S3158 S266A S2\" id=\"t7p_140\">- </span><span class=\"S3159 S266A S2\" id=\"t7q_140\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_140\">- </span><span class=\"S315A S266A S2\" id=\"t7s_140\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_140\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_140\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_140\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_140\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_140\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_140\">- </span><span class=\"S2EDF S266A S2\" id=\"t7z_140\">- </span><span class=\"S315B S266A S2\" id=\"t80_140\">1,943 </span><span class=\"S315C S266A S2\" id=\"t81_140\">- </span><span class=\"S315D S266A S2\" id=\"t82_140\">1,943 </span><span class=\"S315E S2669 S2\" id=\"t83_140\">1,943 </span><span class=\"S2D36 S2669 S2\" id=\"t84_140\">Loans mandatorily at fair value through </span><span class=\"S315F S2669 S2\" id=\"t85_140\">profit or loss </span><span class=\"S3160 S2669 S2\" id=\"t86_140\">27,185 </span><span class=\"S3161 S2669 S2\" id=\"t87_140\">281 </span><span class=\"S2D3A S2669 S2\" id=\"t88_140\">11,172 </span><span class=\"S3162 S2669 S2\" id=\"t89_140\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_140\">73,893 </span><span class=\"S1381 S2669 S2\" id=\"t8b_140\">- </span><span class=\"S3163 S2669 S2\" id=\"t8c_140\">29,473 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_140\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_140\">926,107 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_140\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_140\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_140\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_140\">1,067,830 </span><span class=\"S3164 S2669 S2\" id=\"t8j_140\">281 </span><span class=\"S2D45 S2669 S2\" id=\"t8k_140\">1,068,111 </span><span class=\"S2D46 S266A S2\" id=\"t8l_140\">fixed rate </span><span class=\"S3165 S266A S2\" id=\"t8m_140\">2 </span><span class=\"S3166 S266A S2\" id=\"t8n_140\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_140\">- </span><span class=\"S3167 S266A S2\" id=\"t8p_140\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_140\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_140\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_140\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_140\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_140\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_140\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_140\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_140\">- </span><span class=\"S3168 S266A S2\" id=\"t8y_140\">2 </span><span class=\"S2D53 S266A S2\" id=\"t8z_140\">- </span><span class=\"S3169 S2669 S2\" id=\"t90_140\">2 </span><span class=\"S2D55 S266A S2\" id=\"t91_140\">variable rate </span><span class=\"S316A S266A S2\" id=\"t92_140\">27,183 </span><span class=\"S316B S266A S2\" id=\"t93_140\">281 </span><span class=\"S2D58 S266A S2\" id=\"t94_140\">11,172 </span><span class=\"S316C S266A S2\" id=\"t95_140\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_140\">73,893 </span><span class=\"S2D5B S266A S2\" id=\"t97_140\">- </span><span class=\"S316D S266A S2\" id=\"t98_140\">29,473 </span><span class=\"S2D5D S266A S2\" id=\"t99_140\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_140\">926,107 </span><span class=\"S2D5F S266A S2\" id=\"t9b_140\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_140\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_140\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_140\">1,067,828 </span><span class=\"S316E S266A S2\" id=\"t9f_140\">281 </span><span class=\"S2D64 S2669 S2\" id=\"t9g_140\">1,068,109 </span><span class=\"S2D65 S266A S2\" id=\"t9h_140\">non-interest-bearing </span><span class=\"S316F S266A S2\" id=\"t9i_140\">- </span><span class=\"S3170 S266A S2\" id=\"t9j_140\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_140\">- </span><span class=\"S3171 S266A S2\" id=\"t9l_140\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_140\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_140\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_140\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_140\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_140\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_140\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_140\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_140\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_140\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_140\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_140\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_140\">Fair value adjustment of derivative </span><span class=\"S3172 S2669 S2\" id=\"t9y_140\">financial instruments </span><span class=\"S3173 S2669 S2\" id=\"t9z_140\">1,516,897 </span><span class=\"S3174 S2669 S2\" id=\"ta0_140\">1,249,024 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_140\">395,951 </span><span class=\"S3175 S2669 S2\" id=\"ta2_140\">937,234 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_140\">680,161 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_140\">863,886 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_140\">10,760 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_140\">57,580 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_140\">221,053 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_140\">17,693 </span><span class=\"S3176 S2669 S2\" id=\"ta9_140\">181,110 </span><span class=\"S2D81 S2669 S2\" id=\"taa_140\">672,531 </span><span class=\"S2D82 S2669 S2\" id=\"tab_140\">3,005,932 </span><span class=\"S2D83 S2669 S2\" id=\"tac_140\">3,797,948 </span><span class=\"S2D84 S2669 S2\" id=\"tad_140\">6,803,880 </span><span class=\"S2D85 S266A S2\" id=\"tae_140\">fixed rate </span><span class=\"S3177 S266A S2\" id=\"taf_140\">1,409,585 </span><span class=\"S3178 S266A S2\" id=\"tag_140\">1,125,415 </span><span class=\"S2D88 S266A S2\" id=\"tah_140\">188,029 </span><span class=\"S2D89 S266A S2\" id=\"tai_140\">551,410 </span><span class=\"S2D8A S266A S2\" id=\"taj_140\">574,143 </span><span class=\"S2D8B S266A S2\" id=\"tak_140\">862,177 </span><span class=\"S2D8C S266A S2\" id=\"tal_140\">10,760 </span><span class=\"S2D8D S266A S2\" id=\"tam_140\">57,521 </span><span class=\"S2D8E S266A S2\" id=\"tan_140\">221,053 </span><span class=\"S2D8F S266A S2\" id=\"tao_140\">17,681 </span><span class=\"S2D90 S266A S2\" id=\"tap_140\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_140\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_140\">2,403,570 </span><span class=\"S2D93 S266A S2\" id=\"tas_140\">2,614,204 </span><span class=\"S2D94 S2669 S2\" id=\"tat_140\">5,017,774 </span><span class=\"S2D95 S266A S2\" id=\"tau_140\">variable rate </span><span class=\"S3179 S266A S2\" id=\"tav_140\">107,312 </span><span class=\"S317A S266A S2\" id=\"taw_140\">123,609 </span><span class=\"S2D98 S266A S2\" id=\"tax_140\">207,922 </span><span class=\"S2D99 S266A S2\" id=\"tay_140\">385,824 </span><span class=\"S2D9A S266A S2\" id=\"taz_140\">106,018 </span><span class=\"S317B S266A S2\" id=\"tb0_140\">1,709 </span><span class=\"S2D9C S266A S2\" id=\"tb1_140\">- </span><span class=\"S317C S266A S2\" id=\"tb2_140\">59 </span><span class=\"S2D9E S266A S2\" id=\"tb3_140\">- </span><span class=\"S317D S266A S2\" id=\"tb4_140\">12 </span><span class=\"S2DA0 S266A S2\" id=\"tb5_140\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_140\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_140\">421,252 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_140\">511,213 </span><span class=\"S317E S2669 S2\" id=\"tb9_140\">932,465 </span><span class=\"S2DA5 S266A S2\" id=\"tba_140\">non-interest-bearing </span><span class=\"S317F S266A S2\" id=\"tbb_140\">- </span><span class=\"S3180 S266A S2\" id=\"tbc_140\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_140\">- </span><span class=\"S3181 S266A S2\" id=\"tbe_140\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_140\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_140\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_140\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_140\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_140\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_140\">- </span><span class=\"S3182 S266A S2\" id=\"tbl_140\">181,110 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_140\">672,531 </span><span class=\"S3183 S266A S2\" id=\"tbn_140\">181,110 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_140\">672,531 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_140\">853,641 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_140\">Other financial assets </span><span class=\"S3184 S2669 S2\" id=\"tbr_140\">3,395 </span><span class=\"S3185 S2669 S2\" id=\"tbs_140\">13,864 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_140\">1,261 </span><span class=\"S3186 S2669 S2\" id=\"tbu_140\">19 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_140\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_140\">212 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_140\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_140\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_140\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_140\">128 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_140\">49,086 </span><span class=\"S3187 S2669 S2\" id=\"tc2_140\">67,951 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_140\">53,742 </span><span class=\"S3188 S2669 S2\" id=\"tc4_140\">82,174 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_140\">135,916 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_140\">fixed rate </span><span class=\"S3189 S266A S2\" id=\"tc7_140\">3,393 </span><span class=\"S318A S266A S2\" id=\"tc8_140\">4,860 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_140\">1,155 </span><span class=\"S318B S266A S2\" id=\"tca_140\">13 </span><span class=\"S2DCA S266A S2\" id=\"tcb_140\">- </span><span class=\"S318C S266A S2\" id=\"tcc_140\">12 </span><span class=\"S2DCC S266A S2\" id=\"tcd_140\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_140\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_140\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_140\">103 </span><span class=\"S2DD0 S266A S2\" id=\"tch_140\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_140\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_140\">4,548 </span><span class=\"S318D S266A S2\" id=\"tck_140\">4,988 </span><span class=\"S318E S2669 S2\" id=\"tcl_140\">9,536 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_140\">variable rate </span><span class=\"S318F S266A S2\" id=\"tcn_140\">2 </span><span class=\"S3190 S266A S2\" id=\"tco_140\">9,004 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_140\">106 </span><span class=\"S3191 S266A S2\" id=\"tcq_140\">6 </span><span class=\"S2DDA S266A S2\" id=\"tcr_140\">- </span><span class=\"S3192 S266A S2\" id=\"tcs_140\">200 </span><span class=\"S2DDC S266A S2\" id=\"tct_140\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_140\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_140\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_140\">25 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_140\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_140\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_140\">108 </span><span class=\"S3193 S266A S2\" id=\"td0_140\">9,235 </span><span class=\"S3194 S2669 S2\" id=\"td1_140\">9,343 </span><span class=\"S2DE5 S266A S2\" id=\"td2_140\">non-interest-bearing </span><span class=\"S3195 S266A S2\" id=\"td3_140\">- </span><span class=\"S3196 S266A S2\" id=\"td4_140\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_140\">- </span><span class=\"S3197 S266A S2\" id=\"td6_140\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_140\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_140\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_140\">- </span><span class=\"S2DED S266A S2\" id=\"tda_140\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_140\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_140\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_140\">49,086 </span><span class=\"S3198 S266A S2\" id=\"tde_140\">67,951 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_140\">49,086 </span><span class=\"S3199 S266A S2\" id=\"tdg_140\">67,951 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_140\">117,037 </span><span class=\"S2AC1 SB S2\" id=\"t5_141\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_141\">As at 31 December 2021 [continued] </span><span class=\"S319A S2669 S2\" id=\"t7_141\">LIABILITIES </span><span class=\"S319B S2669 S2\" id=\"t8_141\">Within 1 month </span><span class=\"S319C S2669 S2\" id=\"t9_141\">Over 1 month and </span><span class=\"S319D S2669 S2\" id=\"ta_141\">Within 3 months </span><span class=\"S319E S2669 S2\" id=\"tb_141\">Over 3 months and </span><span class=\"S319F S2669 S2\" id=\"tc_141\">Within 12 months </span><span class=\"S31A0 S2669 S2\" id=\"td_141\">Over 1 year and </span><span class=\"S31A1 S2669 S2\" id=\"te_141\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_141\">Over 2 years </span><span class=\"S2DFF S2669 S2\" id=\"tg_141\">Non-interest- </span><span class=\"S2E00 S2669 S2\" id=\"th_141\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_141\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_141\">Total </span><span class=\"S31A2 S2669 S2\" id=\"tk_141\">HUF </span><span class=\"S31A3 S2669 S2\" id=\"tl_141\">Currency </span><span class=\"S31A4 S2669 S2\" id=\"tm_141\">HUF </span><span class=\"S31A5 S2669 S2\" id=\"tn_141\">Currency </span><span class=\"S31A6 S2669 S2\" id=\"to_141\">HUF </span><span class=\"S31A7 S2669 S2\" id=\"tp_141\">Currency </span><span class=\"S31A8 S2669 S2\" id=\"tq_141\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_141\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_141\">HUF </span><span class=\"S2E0A S2669 S2\" id=\"tt_141\">Currency </span><span class=\"S2E0B S2669 S2\" id=\"tu_141\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_141\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_141\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_141\">Currency </span><span class=\"S2E0C S2669 S2\" id=\"ty_141\">Amounts due to banks, the Hungarian </span><span class=\"S2E0D S2669 S2\" id=\"tz_141\">Government, deposits </span><span class=\"S31A9 S2669 S2\" id=\"t10_141\">from the National Bank of Hungary and </span><span class=\"S2E0F S2669 S2\" id=\"t11_141\">other banks </span><span class=\"S31AA S2669 S2\" id=\"t12_141\">103,123 </span><span class=\"S31AB S2669 S2\" id=\"t13_141\">200,292 </span><span class=\"S31AC S2669 S2\" id=\"t14_141\">41,404 </span><span class=\"S31AD S2669 S2\" id=\"t15_141\">56,912 </span><span class=\"S31AE S2669 S2\" id=\"t16_141\">26,730 </span><span class=\"S31AF S2669 S2\" id=\"t17_141\">79,200 </span><span class=\"S31B0 S2669 S2\" id=\"t18_141\">355,132 </span><span class=\"S31B1 S2669 S2\" id=\"t19_141\">26,401 </span><span class=\"S2E18 S2669 S2\" id=\"t1a_141\">616,005 </span><span class=\"S2E19 S2669 S2\" id=\"t1b_141\">12,724 </span><span class=\"S2E1A S2669 S2\" id=\"t1c_141\">35,951 </span><span class=\"S2E1B S2669 S2\" id=\"t1d_141\">13,474 </span><span class=\"S2E1C S2669 S2\" id=\"t1e_141\">1,178,345 </span><span class=\"S2E1D S2669 S2\" id=\"t1f_141\">389,003 </span><span class=\"S2AFF S2669 S2\" id=\"t1g_141\">1,567,348 </span><span class=\"S2E1E S266A S2\" id=\"t1h_141\">fixed rate </span><span class=\"S31B2 S266A S2\" id=\"t1i_141\">58,913 </span><span class=\"S31B3 S266A S2\" id=\"t1j_141\">103,240 </span><span class=\"S31B4 S266A S2\" id=\"t1k_141\">12,367 </span><span class=\"S31B5 S266A S2\" id=\"t1l_141\">23,208 </span><span class=\"S31B6 S266A S2\" id=\"t1m_141\">26,730 </span><span class=\"S31B7 S266A S2\" id=\"t1n_141\">52,310 </span><span class=\"S31B8 S266A S2\" id=\"t1o_141\">355,132 </span><span class=\"S31B9 S266A S2\" id=\"t1p_141\">26,356 </span><span class=\"S2E27 S266A S2\" id=\"t1q_141\">615,961 </span><span class=\"S2E28 S266A S2\" id=\"t1r_141\">12,724 </span><span class=\"S2E29 S266A S2\" id=\"t1s_141\">- </span><span class=\"S2E2A S266A S2\" id=\"t1t_141\">- </span><span class=\"S31BA S266A S2\" id=\"t1u_141\">1,069,103 </span><span class=\"S2E2C S266A S2\" id=\"t1v_141\">217,838 </span><span class=\"S2E2D S2669 S2\" id=\"t1w_141\">1,286,941 </span><span class=\"S2E2E S266A S2\" id=\"t1x_141\">variable rate </span><span class=\"S31BB S266A S2\" id=\"t1y_141\">44,210 </span><span class=\"S31BC S266A S2\" id=\"t1z_141\">97,052 </span><span class=\"S31BD S266A S2\" id=\"t20_141\">29,037 </span><span class=\"S31BE S266A S2\" id=\"t21_141\">33,704 </span><span class=\"S31BF S266A S2\" id=\"t22_141\">- </span><span class=\"S31C0 S266A S2\" id=\"t23_141\">26,890 </span><span class=\"S2E35 S266A S2\" id=\"t24_141\">- </span><span class=\"S31C1 S266A S2\" id=\"t25_141\">45 </span><span class=\"S31C2 S266A S2\" id=\"t26_141\">44 </span><span class=\"S3063 S266A S2\" id=\"t27_141\">- </span><span class=\"S2C87 S266A S2\" id=\"t28_141\">- </span><span class=\"S2C88 S266A S2\" id=\"t29_141\">- </span><span class=\"S31C3 S266A S2\" id=\"t2a_141\">73,291 </span><span class=\"S2E3A S266A S2\" id=\"t2b_141\">157,691 </span><span class=\"S2E3B S2669 S2\" id=\"t2c_141\">230,982 </span><span class=\"S2E3C S266A S2\" id=\"t2d_141\">non-interest-bearing </span><span class=\"S31C4 S266A S2\" id=\"t2e_141\">- </span><span class=\"S31C5 S266A S2\" id=\"t2f_141\">- </span><span class=\"S31C6 S266A S2\" id=\"t2g_141\">- </span><span class=\"S31C7 S266A S2\" id=\"t2h_141\">- </span><span class=\"S31C8 S266A S2\" id=\"t2i_141\">- </span><span class=\"S31C9 S266A S2\" id=\"t2j_141\">- </span><span class=\"S2E43 S266A S2\" id=\"t2k_141\">- </span><span class=\"S2E44 S266A S2\" id=\"t2l_141\">- </span><span class=\"S2E45 S266A S2\" id=\"t2m_141\">- </span><span class=\"S2E46 S266A S2\" id=\"t2n_141\">- </span><span class=\"S2E47 S266A S2\" id=\"t2o_141\">35,951 </span><span class=\"S2E48 S266A S2\" id=\"t2p_141\">13,474 </span><span class=\"S2E49 S266A S2\" id=\"t2q_141\">35,951 </span><span class=\"S2E4A S266A S2\" id=\"t2r_141\">13,474 </span><span class=\"S2F8C S2669 S2\" id=\"t2s_141\">49,425 </span><span class=\"S2E4C S2669 S2\" id=\"t2t_141\">Repo liabilities </span><span class=\"S31CA S2669 S2\" id=\"t2u_141\">49,726 </span><span class=\"S31CB S2669 S2\" id=\"t2v_141\">29,321 </span><span class=\"S31CC S2669 S2\" id=\"t2w_141\">- </span><span class=\"S31CD S2669 S2\" id=\"t2x_141\">- </span><span class=\"S31CE S2669 S2\" id=\"t2y_141\">- </span><span class=\"S31CF S2669 S2\" id=\"t2z_141\">- </span><span class=\"S2E53 S2669 S2\" id=\"t30_141\">- </span><span class=\"S2E54 S2669 S2\" id=\"t31_141\">- </span><span class=\"S2E55 S2669 S2\" id=\"t32_141\">- </span><span class=\"S2E56 S2669 S2\" id=\"t33_141\">- </span><span class=\"S2CA5 S2669 S2\" id=\"t34_141\">- </span><span class=\"S2CA6 S2669 S2\" id=\"t35_141\">- </span><span class=\"S2CA7 S2669 S2\" id=\"t36_141\">49,726 </span><span class=\"S3135 S2669 S2\" id=\"t37_141\">29,321 </span><span class=\"S2CA9 S2669 S2\" id=\"t38_141\">79,047 </span><span class=\"S2E58 S266A S2\" id=\"t39_141\">fixed rate </span><span class=\"S31D0 S266A S2\" id=\"t3a_141\">49,726 </span><span class=\"S31D1 S266A S2\" id=\"t3b_141\">29,321 </span><span class=\"S31D2 S266A S2\" id=\"t3c_141\">- </span><span class=\"S31D3 S266A S2\" id=\"t3d_141\">- </span><span class=\"S31D4 S266A S2\" id=\"t3e_141\">- </span><span class=\"S31D5 S266A S2\" id=\"t3f_141\">- </span><span class=\"S2E5F S266A S2\" id=\"t3g_141\">- </span><span class=\"S2E60 S266A S2\" id=\"t3h_141\">- </span><span class=\"S2E61 S266A S2\" id=\"t3i_141\">- </span><span class=\"S2E62 S266A S2\" id=\"t3j_141\">- </span><span class=\"S2CB5 S266A S2\" id=\"t3k_141\">- </span><span class=\"S2CB6 S266A S2\" id=\"t3l_141\">- </span><span class=\"S2E63 S266A S2\" id=\"t3m_141\">49,726 </span><span class=\"S31D6 S266A S2\" id=\"t3n_141\">29,321 </span><span class=\"S2E65 S2669 S2\" id=\"t3o_141\">79,047 </span><span class=\"S2E66 S266A S2\" id=\"t3p_141\">variable rate </span><span class=\"S31D7 S266A S2\" id=\"t3q_141\">- </span><span class=\"S31D8 S266A S2\" id=\"t3r_141\">- </span><span class=\"S31D9 S266A S2\" id=\"t3s_141\">- </span><span class=\"S31DA S266A S2\" id=\"t3t_141\">- </span><span class=\"S31DB S266A S2\" id=\"t3u_141\">- </span><span class=\"S31DC S266A S2\" id=\"t3v_141\">- </span><span class=\"S2E6D S266A S2\" id=\"t3w_141\">- </span><span class=\"S2E6E S266A S2\" id=\"t3x_141\">- </span><span class=\"S2E6F S266A S2\" id=\"t3y_141\">- </span><span class=\"S2E70 S266A S2\" id=\"t3z_141\">- </span><span class=\"S2E71 S266A S2\" id=\"t40_141\">- </span><span class=\"S2E72 S266A S2\" id=\"t41_141\">- </span><span class=\"S31DD S266A S2\" id=\"t42_141\">- </span><span class=\"S31DE S266A S2\" id=\"t43_141\">- </span><span class=\"S31DF S2669 S2\" id=\"t44_141\">- </span><span class=\"S2E75 S266A S2\" id=\"t45_141\">non-interest-bearing </span><span class=\"S31E0 S266A S2\" id=\"t46_141\">- </span><span class=\"S31E1 S266A S2\" id=\"t47_141\">- </span><span class=\"S31E2 S266A S2\" id=\"t48_141\">- </span><span class=\"S31E3 S266A S2\" id=\"t49_141\">- </span><span class=\"S31E4 S266A S2\" id=\"t4a_141\">- </span><span class=\"S31E5 S266A S2\" id=\"t4b_141\">- </span><span class=\"S2E7C S266A S2\" id=\"t4c_141\">- </span><span class=\"S2E7D S266A S2\" id=\"t4d_141\">- </span><span class=\"S2E7E S266A S2\" id=\"t4e_141\">- </span><span class=\"S2E7F S266A S2\" id=\"t4f_141\">- </span><span class=\"S2E80 S266A S2\" id=\"t4g_141\">- </span><span class=\"S2E81 S266A S2\" id=\"t4h_141\">- </span><span class=\"S2E82 S266A S2\" id=\"t4i_141\">- </span><span class=\"S2E83 S266A S2\" id=\"t4j_141\">- </span><span class=\"S2E84 S2669 S2\" id=\"t4k_141\">- </span><span class=\"S31E6 S2669 S2\" id=\"t4l_141\">Financial liabilities designated at fair </span><span class=\"S31E7 S2669 S2\" id=\"t4m_141\">value through profit or loss </span><span class=\"S31E8 S2669 S2\" id=\"t4n_141\">20,133 </span><span class=\"S31E9 S2669 S2\" id=\"t4o_141\">- </span><span class=\"S31EA S2669 S2\" id=\"t4p_141\">- </span><span class=\"S31EB S2669 S2\" id=\"t4q_141\">- </span><span class=\"S31EC S2669 S2\" id=\"t4r_141\">- </span><span class=\"S31ED S2669 S2\" id=\"t4s_141\">- </span><span class=\"S2E8D S2669 S2\" id=\"t4t_141\">- </span><span class=\"S2E8E S2669 S2\" id=\"t4u_141\">- </span><span class=\"S2E8F S2669 S2\" id=\"t4v_141\">- </span><span class=\"S2E90 S2669 S2\" id=\"t4w_141\">- </span><span class=\"S2E91 S2669 S2\" id=\"t4x_141\">21,051 </span><span class=\"S2CE5 S2669 S2\" id=\"t4y_141\">- </span><span class=\"S2E92 S2669 S2\" id=\"t4z_141\">41,184 </span><span class=\"S2E93 S2669 S2\" id=\"t50_141\">- </span><span class=\"S2E94 S2669 S2\" id=\"t51_141\">41,184 </span><span class=\"S2E95 S266A S2\" id=\"t52_141\">fixed rate </span><span class=\"S31EE S266A S2\" id=\"t53_141\">- </span><span class=\"S31EF S266A S2\" id=\"t54_141\">- </span><span class=\"S31F0 S266A S2\" id=\"t55_141\">- </span><span class=\"S31F1 S266A S2\" id=\"t56_141\">- </span><span class=\"S31F2 S266A S2\" id=\"t57_141\">- </span><span class=\"S31F3 S266A S2\" id=\"t58_141\">- </span><span class=\"S2E9C S266A S2\" id=\"t59_141\">- </span><span class=\"S2E9D S266A S2\" id=\"t5a_141\">- </span><span class=\"S2E9E S266A S2\" id=\"t5b_141\">- </span><span class=\"S2E9F S266A S2\" id=\"t5c_141\">- </span><span class=\"S2EA0 S266A S2\" id=\"t5d_141\">- </span><span class=\"S2EA1 S266A S2\" id=\"t5e_141\">- </span><span class=\"S31F4 S266A S2\" id=\"t5f_141\">- </span><span class=\"S2EA3 S266A S2\" id=\"t5g_141\">- </span><span class=\"S2B9E S2669 S2\" id=\"t5h_141\">- </span><span class=\"S2EA5 S266A S2\" id=\"t5i_141\">variable rate </span><span class=\"S31F5 S266A S2\" id=\"t5j_141\">20,133 </span><span class=\"S25C5 S266A S2\" id=\"t5k_141\">- </span><span class=\"S31F6 S266A S2\" id=\"t5l_141\">- </span><span class=\"S31F7 S266A S2\" id=\"t5m_141\">- </span><span class=\"S31F8 S266A S2\" id=\"t5n_141\">- </span><span class=\"S31F9 S266A S2\" id=\"t5o_141\">- </span><span class=\"S2EAC S266A S2\" id=\"t5p_141\">- </span><span class=\"S2EAD S266A S2\" id=\"t5q_141\">- </span><span class=\"S2EAE S266A S2\" id=\"t5r_141\">- </span><span class=\"S2EAF S266A S2\" id=\"t5s_141\">- </span><span class=\"S2EB0 S266A S2\" id=\"t5t_141\">- </span><span class=\"S2EB1 S266A S2\" id=\"t5u_141\">- </span><span class=\"S2EB2 S266A S2\" id=\"t5v_141\">20,133 </span><span class=\"S2EB3 S266A S2\" id=\"t5w_141\">- </span><span class=\"S2EB4 S2669 S2\" id=\"t5x_141\">20,133 </span><span class=\"S2EB5 S266A S2\" id=\"t5y_141\">non-interest-bearing </span><span class=\"S31FA S266A S2\" id=\"t5z_141\">- </span><span class=\"S31FB S266A S2\" id=\"t60_141\">- </span><span class=\"S31FC S266A S2\" id=\"t61_141\">- </span><span class=\"S31FD S266A S2\" id=\"t62_141\">- </span><span class=\"S31FE S266A S2\" id=\"t63_141\">- </span><span class=\"S31FF S266A S2\" id=\"t64_141\">- </span><span class=\"S2EBC S266A S2\" id=\"t65_141\">- </span><span class=\"S2EBD S266A S2\" id=\"t66_141\">- </span><span class=\"S2EBE S266A S2\" id=\"t67_141\">- </span><span class=\"S2EBF S266A S2\" id=\"t68_141\">- </span><span class=\"S2EC0 S266A S2\" id=\"t69_141\">21,051 </span><span class=\"S2D14 S266A S2\" id=\"t6a_141\">- </span><span class=\"S2EC1 S266A S2\" id=\"t6b_141\">21,051 </span><span class=\"S2EC2 S266A S2\" id=\"t6c_141\">- </span><span class=\"S2EC3 S2669 S2\" id=\"t6d_141\">21,051 </span><span class=\"S3200 S2669 S2\" id=\"t6e_141\">Deposits from customers </span><span class=\"S2D18 S2669 S2\" id=\"t6f_141\">7,533,566 </span><span class=\"S3201 S2669 S2\" id=\"t6g_141\">10,675,265 </span><span class=\"S3202 S2669 S2\" id=\"t6h_141\">198,955 </span><span class=\"S3203 S2669 S2\" id=\"t6i_141\">456,849 </span><span class=\"S3204 S2669 S2\" id=\"t6j_141\">94,140 </span><span class=\"S3205 S2669 S2\" id=\"t6k_141\">735,911 </span><span class=\"S2ECB S2669 S2\" id=\"t6l_141\">31,975 </span><span class=\"S3206 S2669 S2\" id=\"t6m_141\">75,104 </span><span class=\"S2ECD S2669 S2\" id=\"t6n_141\">248,209 </span><span class=\"S2ECE S2669 S2\" id=\"t6o_141\">120,403 </span><span class=\"S2ECF S2669 S2\" id=\"t6p_141\">16,356 </span><span class=\"S2ED0 S2669 S2\" id=\"t6q_141\">881,911 </span><span class=\"S2ED1 S2669 S2\" id=\"t6r_141\">8,123,201 </span><span class=\"S2ED2 S2669 S2\" id=\"t6s_141\">12,945,443 </span><span class=\"S2ED3 S2669 S2\" id=\"t6t_141\">21,068,644 </span><span class=\"S2ED4 S266A S2\" id=\"t6u_141\">fixed rate </span><span class=\"S3207 S266A S2\" id=\"t6v_141\">463,512 </span><span class=\"S3208 S266A S2\" id=\"t6w_141\">4,039,568 </span><span class=\"S3209 S266A S2\" id=\"t6x_141\">198,955 </span><span class=\"S320A S266A S2\" id=\"t6y_141\">456,849 </span><span class=\"S320B S266A S2\" id=\"t6z_141\">92,653 </span><span class=\"S320C S266A S2\" id=\"t70_141\">735,911 </span><span class=\"S2EDB S266A S2\" id=\"t71_141\">31,975 </span><span class=\"S320D S266A S2\" id=\"t72_141\">74,680 </span><span class=\"S2EDD S266A S2\" id=\"t73_141\">248,209 </span><span class=\"S2EDE S266A S2\" id=\"t74_141\">120,403 </span><span class=\"S2EDF S266A S2\" id=\"t75_141\">- </span><span class=\"S2EE0 S266A S2\" id=\"t76_141\">- </span><span class=\"S2EE1 S266A S2\" id=\"t77_141\">1,035,304 </span><span class=\"S2EE2 S266A S2\" id=\"t78_141\">5,427,411 </span><span class=\"S320E S2669 S2\" id=\"t79_141\">6,462,715 </span><span class=\"S2EE4 S266A S2\" id=\"t7a_141\">variable rate </span><span class=\"S320F S266A S2\" id=\"t7b_141\">7,070,054 </span><span class=\"S3210 S266A S2\" id=\"t7c_141\">6,635,697 </span><span class=\"S3211 S266A S2\" id=\"t7d_141\">- </span><span class=\"S3212 S266A S2\" id=\"t7e_141\">- </span><span class=\"S3213 S266A S2\" id=\"t7f_141\">1,487 </span><span class=\"S3214 S266A S2\" id=\"t7g_141\">- </span><span class=\"S2EEB S266A S2\" id=\"t7h_141\">- </span><span class=\"S3215 S266A S2\" id=\"t7i_141\">424 </span><span class=\"S2EED S266A S2\" id=\"t7j_141\">- </span><span class=\"S2EEE S266A S2\" id=\"t7k_141\">- </span><span class=\"S2EEF S266A S2\" id=\"t7l_141\">- </span><span class=\"S2EF0 S266A S2\" id=\"t7m_141\">- </span><span class=\"S2EF1 S266A S2\" id=\"t7n_141\">7,071,541 </span><span class=\"S2EF2 S266A S2\" id=\"t7o_141\">6,636,121 </span><span class=\"S2EF3 S2669 S2\" id=\"t7p_141\">13,707,662 </span><span class=\"S2EF4 S266A S2\" id=\"t7q_141\">non-interest-bearing </span><span class=\"S3216 S266A S2\" id=\"t7r_141\">- </span><span class=\"S3217 S266A S2\" id=\"t7s_141\">- </span><span class=\"S3218 S266A S2\" id=\"t7t_141\">- </span><span class=\"S3219 S266A S2\" id=\"t7u_141\">- </span><span class=\"S321A S266A S2\" id=\"t7v_141\">- </span><span class=\"S321B S266A S2\" id=\"t7w_141\">- </span><span class=\"S2EFB S266A S2\" id=\"t7x_141\">- </span><span class=\"S2EFC S266A S2\" id=\"t7y_141\">- </span><span class=\"S2EFD S266A S2\" id=\"t7z_141\">- </span><span class=\"S2EFE S266A S2\" id=\"t80_141\">- </span><span class=\"S2EFF S266A S2\" id=\"t81_141\">16,356 </span><span class=\"S2F00 S266A S2\" id=\"t82_141\">881,911 </span><span class=\"S2F01 S266A S2\" id=\"t83_141\">16,356 </span><span class=\"S2F02 S266A S2\" id=\"t84_141\">881,911 </span><span class=\"S2F03 S2669 S2\" id=\"t85_141\">898,267 </span><span class=\"S2F04 S2669 S2\" id=\"t86_141\">Liabilities from issued securities </span><span class=\"S321C S2669 S2\" id=\"t87_141\">864 </span><span class=\"S240E S2669 S2\" id=\"t88_141\">- </span><span class=\"S321D S2669 S2\" id=\"t89_141\">8,514 </span><span class=\"S321E S2669 S2\" id=\"t8a_141\">- </span><span class=\"S321F S2669 S2\" id=\"t8b_141\">170,732 </span><span class=\"S3220 S2669 S2\" id=\"t8c_141\">- </span><span class=\"S30EF S2669 S2\" id=\"t8d_141\">- </span><span class=\"S3221 S2669 S2\" id=\"t8e_141\">51 </span><span class=\"S2F0D S2669 S2\" id=\"t8f_141\">256,151 </span><span class=\"S30F1 S2669 S2\" id=\"t8g_141\">- </span><span class=\"S2D50 S2669 S2\" id=\"t8h_141\">- </span><span class=\"S2F0F S2669 S2\" id=\"t8i_141\">13 </span><span class=\"S2F10 S2669 S2\" id=\"t8j_141\">436,261 </span><span class=\"S3222 S2669 S2\" id=\"t8k_141\">64 </span><span class=\"S2F12 S2669 S2\" id=\"t8l_141\">436,325 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_141\">fixed rate </span><span class=\"S3223 S266A S2\" id=\"t8n_141\">211 </span><span class=\"S3224 S266A S2\" id=\"t8o_141\">- </span><span class=\"S3225 S266A S2\" id=\"t8p_141\">- </span><span class=\"S3226 S266A S2\" id=\"t8q_141\">- </span><span class=\"S3227 S266A S2\" id=\"t8r_141\">- </span><span class=\"S3228 S266A S2\" id=\"t8s_141\">- </span><span class=\"S30FA S266A S2\" id=\"t8t_141\">- </span><span class=\"S3229 S266A S2\" id=\"t8u_141\">51 </span><span class=\"S2F1B S266A S2\" id=\"t8v_141\">256,151 </span><span class=\"S30FC S266A S2\" id=\"t8w_141\">- </span><span class=\"S2D60 S266A S2\" id=\"t8x_141\">- </span><span class=\"S2D61 S266A S2\" id=\"t8y_141\">- </span><span class=\"S2F1D S266A S2\" id=\"t8z_141\">256,362 </span><span class=\"S322A S266A S2\" id=\"t90_141\">51 </span><span class=\"S2F1F S2669 S2\" id=\"t91_141\">256,413 </span><span class=\"S2C01 S266A S2\" id=\"t92_141\">variable rate </span><span class=\"S322B S266A S2\" id=\"t93_141\">653 </span><span class=\"S322C S266A S2\" id=\"t94_141\">- </span><span class=\"S322D S266A S2\" id=\"t95_141\">8,514 </span><span class=\"S322E S266A S2\" id=\"t96_141\">- </span><span class=\"S322F S266A S2\" id=\"t97_141\">170,732 </span><span class=\"S3230 S266A S2\" id=\"t98_141\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_141\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_141\">- </span><span class=\"S2F28 S266A S2\" id=\"t9b_141\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_141\">- </span><span class=\"S2D70 S266A S2\" id=\"t9d_141\">- </span><span class=\"S2D71 S266A S2\" id=\"t9e_141\">- </span><span class=\"S2F2A S266A S2\" id=\"t9f_141\">179,899 </span><span class=\"S2D73 S266A S2\" id=\"t9g_141\">- </span><span class=\"S2F2B S2669 S2\" id=\"t9h_141\">179,899 </span><span class=\"S2C11 S266A S2\" id=\"t9i_141\">non-interest-bearing </span><span class=\"S3231 S266A S2\" id=\"t9j_141\">- </span><span class=\"S3232 S266A S2\" id=\"t9k_141\">- </span><span class=\"S3233 S266A S2\" id=\"t9l_141\">- </span><span class=\"S3234 S266A S2\" id=\"t9m_141\">- </span><span class=\"S3235 S266A S2\" id=\"t9n_141\">- </span><span class=\"S3236 S266A S2\" id=\"t9o_141\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_141\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_141\">- </span><span class=\"S2F34 S266A S2\" id=\"t9r_141\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_141\">- </span><span class=\"S2F36 S266A S2\" id=\"t9t_141\">- </span><span class=\"S2F37 S266A S2\" id=\"t9u_141\">13 </span><span class=\"S2F38 S266A S2\" id=\"t9v_141\">- </span><span class=\"S2F39 S266A S2\" id=\"t9w_141\">13 </span><span class=\"S2F3A S2669 S2\" id=\"t9x_141\">13 </span><span class=\"S3237 SB S2\" id=\"t5_142\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_142\">As at 31 December 2021 [continued] </span><span class=\"S3238 S2669 S2\" id=\"t7_142\">LIABILITIES [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_142\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_142\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_142\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_142\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_142\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_142\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_142\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_142\">Over 2 years </span><span class=\"S3239 S2669 S2\" id=\"tg_142\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_142\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_142\">Total </span><span class=\"S323A S2669 S2\" id=\"tj_142\">HUF </span><span class=\"S323B S2669 S2\" id=\"tk_142\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tl_142\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_142\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_142\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_142\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_142\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_142\">Currency </span><span class=\"S323C S2669 S2\" id=\"tr_142\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_142\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_142\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_142\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_142\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_142\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_142\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_142\">financial instruments </span><span class=\"S2C3E S2669 S2\" id=\"tz_142\">941,607 </span><span class=\"S323D S2669 S2\" id=\"t10_142\">1,905,033 </span><span class=\"S323E S2669 S2\" id=\"t11_142\">220,057 </span><span class=\"S2F4A S2669 S2\" id=\"t12_142\">1,084,185 </span><span class=\"S2C42 S2669 S2\" id=\"t13_142\">709,948 </span><span class=\"S2F4B S2669 S2\" id=\"t14_142\">870,647 </span><span class=\"S2C44 S2669 S2\" id=\"t15_142\">12,943 </span><span class=\"S2F4C S2669 S2\" id=\"t16_142\">54,920 </span><span class=\"S323F S2669 S2\" id=\"t17_142\">96,381 </span><span class=\"S3240 S2669 S2\" id=\"t18_142\">77,044 </span><span class=\"S2F4E S2669 S2\" id=\"t19_142\">453,672 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_142\">388,146 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_142\">2,434,608 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_142\">4,379,975 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_142\">6,814,583 </span><span class=\"S2C4D S266A S2\" id=\"t1e_142\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1f_142\">721,374 </span><span class=\"S3241 S266A S2\" id=\"t1g_142\">1,714,718 </span><span class=\"S3242 S266A S2\" id=\"t1h_142\">151,795 </span><span class=\"S2F55 S266A S2\" id=\"t1i_142\">579,964 </span><span class=\"S2C52 S266A S2\" id=\"t1j_142\">526,007 </span><span class=\"S2F56 S266A S2\" id=\"t1k_142\">868,848 </span><span class=\"S2C54 S266A S2\" id=\"t1l_142\">12,398 </span><span class=\"S2F57 S266A S2\" id=\"t1m_142\">54,847 </span><span class=\"S3243 S266A S2\" id=\"t1n_142\">96,558 </span><span class=\"S3244 S266A S2\" id=\"t1o_142\">77,044 </span><span class=\"S2F59 S266A S2\" id=\"t1p_142\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_142\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_142\">1,508,132 </span><span class=\"S2F5C S266A S2\" id=\"t1s_142\">3,295,421 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_142\">4,803,553 </span><span class=\"S2C5C S266A S2\" id=\"t1u_142\">variable rate </span><span class=\"S3245 S266A S2\" id=\"t1v_142\">220,233 </span><span class=\"S3246 S266A S2\" id=\"t1w_142\">190,315 </span><span class=\"S311F S266A S2\" id=\"t1x_142\">68,262 </span><span class=\"S2F60 S266A S2\" id=\"t1y_142\">504,221 </span><span class=\"S2F61 S266A S2\" id=\"t1z_142\">183,941 </span><span class=\"S3247 S266A S2\" id=\"t20_142\">1,799 </span><span class=\"S3248 S266A S2\" id=\"t21_142\">545 </span><span class=\"S3249 S266A S2\" id=\"t22_142\">73 </span><span class=\"S324A S266A S2\" id=\"t23_142\">(177) </span><span class=\"S2C66 S266A S2\" id=\"t24_142\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_142\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_142\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_142\">472,804 </span><span class=\"S324B S266A S2\" id=\"t28_142\">696,408 </span><span class=\"S2AFF S2669 S2\" id=\"t29_142\">1,169,212 </span><span class=\"S2C6C S266A S2\" id=\"t2a_142\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2b_142\">- </span><span class=\"S3125 S266A S2\" id=\"t2c_142\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_142\">- </span><span class=\"S3126 S266A S2\" id=\"t2e_142\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_142\">- </span><span class=\"S324C S266A S2\" id=\"t2g_142\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_142\">- </span><span class=\"S324D S266A S2\" id=\"t2i_142\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_142\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_142\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_142\">453,672 </span><span class=\"S2F6B S266A S2\" id=\"t2m_142\">388,146 </span><span class=\"S2F6C S266A S2\" id=\"t2n_142\">453,672 </span><span class=\"S324E S266A S2\" id=\"t2o_142\">388,146 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_142\">841,818 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_142\">Leasing liabilities </span><span class=\"S324F S2669 S2\" id=\"t2r_142\">916 </span><span class=\"S3250 S2669 S2\" id=\"t2s_142\">7,401 </span><span class=\"S3251 S2669 S2\" id=\"t2t_142\">353 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_142\">1,076 </span><span class=\"S3252 S2669 S2\" id=\"t2v_142\">483 </span><span class=\"S2F74 S2669 S2\" id=\"t2w_142\">5,359 </span><span class=\"S3253 S2669 S2\" id=\"t2x_142\">892 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_142\">4,534 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_142\">1,011 </span><span class=\"S2F78 S2669 S2\" id=\"t30_142\">24,823 </span><span class=\"S2F79 S2669 S2\" id=\"t31_142\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_142\">6,438 </span><span class=\"S2F7B S2669 S2\" id=\"t33_142\">3,655 </span><span class=\"S2F7C S2669 S2\" id=\"t34_142\">49,631 </span><span class=\"S2F7D S2669 S2\" id=\"t35_142\">53,286 </span><span class=\"S2C8B S266A S2\" id=\"t36_142\">fixed rate </span><span class=\"S3254 S266A S2\" id=\"t37_142\">830 </span><span class=\"S3255 S266A S2\" id=\"t38_142\">6,948 </span><span class=\"S3256 S266A S2\" id=\"t39_142\">72 </span><span class=\"S2F81 S266A S2\" id=\"t3a_142\">435 </span><span class=\"S3257 S266A S2\" id=\"t3b_142\">7 </span><span class=\"S2F83 S266A S2\" id=\"t3c_142\">1,757 </span><span class=\"S3258 S266A S2\" id=\"t3d_142\">319 </span><span class=\"S2F85 S266A S2\" id=\"t3e_142\">2,582 </span><span class=\"S2F86 S266A S2\" id=\"t3f_142\">1,011 </span><span class=\"S2F87 S266A S2\" id=\"t3g_142\">17,403 </span><span class=\"S2F88 S266A S2\" id=\"t3h_142\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_142\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_142\">2,239 </span><span class=\"S2F8B S266A S2\" id=\"t3k_142\">29,125 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_142\">31,364 </span><span class=\"S2C9A S266A S2\" id=\"t3m_142\">variable rate </span><span class=\"S3259 S266A S2\" id=\"t3n_142\">86 </span><span class=\"S325A S266A S2\" id=\"t3o_142\">453 </span><span class=\"S325B S266A S2\" id=\"t3p_142\">281 </span><span class=\"S2F90 S266A S2\" id=\"t3q_142\">641 </span><span class=\"S325C S266A S2\" id=\"t3r_142\">476 </span><span class=\"S2F91 S266A S2\" id=\"t3s_142\">3,602 </span><span class=\"S325D S266A S2\" id=\"t3t_142\">573 </span><span class=\"S2F92 S266A S2\" id=\"t3u_142\">1,952 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_142\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3w_142\">7,420 </span><span class=\"S2F94 S266A S2\" id=\"t3x_142\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_142\">- </span><span class=\"S325E S266A S2\" id=\"t3z_142\">1,416 </span><span class=\"S2F97 S266A S2\" id=\"t40_142\">14,068 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_142\">15,484 </span><span class=\"S2CAA S266A S2\" id=\"t42_142\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t43_142\">- </span><span class=\"S3137 S266A S2\" id=\"t44_142\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_142\">- </span><span class=\"S3138 S266A S2\" id=\"t46_142\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_142\">- </span><span class=\"S325F S266A S2\" id=\"t48_142\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_142\">- </span><span class=\"S3260 S266A S2\" id=\"t4a_142\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_142\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_142\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_142\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_142\">6,438 </span><span class=\"S3261 S266A S2\" id=\"t4f_142\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_142\">6,438 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_142\">6,438 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_142\">Other financial liabilities </span><span class=\"S3262 S2669 S2\" id=\"t4j_142\">117,189 </span><span class=\"S3263 S2669 S2\" id=\"t4k_142\">50,063 </span><span class=\"S3264 S2669 S2\" id=\"t4l_142\">2,518 </span><span class=\"S3265 S2669 S2\" id=\"t4m_142\">672 </span><span class=\"S3266 S2669 S2\" id=\"t4n_142\">- </span><span class=\"S3267 S2669 S2\" id=\"t4o_142\">479 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_142\">- </span><span class=\"S3268 S2669 S2\" id=\"t4q_142\">133 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_142\">- </span><span class=\"S3269 S2669 S2\" id=\"t4s_142\">103 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_142\">173,503 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_142\">141,111 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_142\">293,210 </span><span class=\"S326A S2669 S2\" id=\"t4w_142\">192,561 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_142\">485,771 </span><span class=\"S2FAD S266A S2\" id=\"t4y_142\">fixed rate </span><span class=\"S2CBC S266A S2\" id=\"t4z_142\">117,185 </span><span class=\"S326B S266A S2\" id=\"t50_142\">50,046 </span><span class=\"S326C S266A S2\" id=\"t51_142\">907 </span><span class=\"S326D S266A S2\" id=\"t52_142\">564 </span><span class=\"S326E S266A S2\" id=\"t53_142\">- </span><span class=\"S326F S266A S2\" id=\"t54_142\">211 </span><span class=\"S2FB4 S266A S2\" id=\"t55_142\">- </span><span class=\"S3270 S266A S2\" id=\"t56_142\">133 </span><span class=\"S2FB6 S266A S2\" id=\"t57_142\">- </span><span class=\"S3271 S266A S2\" id=\"t58_142\">67 </span><span class=\"S2FB8 S266A S2\" id=\"t59_142\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_142\">- </span><span class=\"S3272 S266A S2\" id=\"t5b_142\">118,092 </span><span class=\"S2FBB S266A S2\" id=\"t5c_142\">51,021 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_142\">169,113 </span><span class=\"S2FBD S266A S2\" id=\"t5e_142\">variable rate </span><span class=\"S3273 S266A S2\" id=\"t5f_142\">4 </span><span class=\"S3274 S266A S2\" id=\"t5g_142\">17 </span><span class=\"S3275 S266A S2\" id=\"t5h_142\">1,611 </span><span class=\"S3276 S266A S2\" id=\"t5i_142\">108 </span><span class=\"S3277 S266A S2\" id=\"t5j_142\">- </span><span class=\"S3278 S266A S2\" id=\"t5k_142\">268 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_142\">- </span><span class=\"S3279 S266A S2\" id=\"t5m_142\">- </span><span class=\"S2FC6 S266A S2\" id=\"t5n_142\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_142\">36 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_142\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_142\">- </span><span class=\"S327A S266A S2\" id=\"t5r_142\">1,615 </span><span class=\"S327B S266A S2\" id=\"t5s_142\">429 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_142\">2,044 </span><span class=\"S2FCD S266A S2\" id=\"t5u_142\">non-interest-bearing </span><span class=\"S327C S266A S2\" id=\"t5v_142\">- </span><span class=\"S327D S266A S2\" id=\"t5w_142\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_142\">- </span><span class=\"S327E S266A S2\" id=\"t5y_142\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_142\">- </span><span class=\"S327F S266A S2\" id=\"t60_142\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_142\">- </span><span class=\"S3280 S266A S2\" id=\"t62_142\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_142\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_142\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_142\">173,503 </span><span class=\"S2FD9 S266A S2\" id=\"t66_142\">141,111 </span><span class=\"S2FDA S266A S2\" id=\"t67_142\">173,503 </span><span class=\"S3281 S266A S2\" id=\"t68_142\">141,111 </span><span class=\"S2FDC S2669 S2\" id=\"t69_142\">314,614 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_142\">Subordinated bonds and loans </span><span class=\"S2CE9 S2669 S2\" id=\"t6b_142\">- </span><span class=\"S314A S2669 S2\" id=\"t6c_142\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_142\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_142\">85,551 </span><span class=\"S2CED S2669 S2\" id=\"t6f_142\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_142\">186,225 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_142\">- </span><span class=\"S3282 S2669 S2\" id=\"t6i_142\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_142\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_142\">6,514 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_142\">- </span><span class=\"S3283 S2669 S2\" id=\"t6m_142\">44 </span><span class=\"S3284 S2669 S2\" id=\"t6n_142\">- </span><span class=\"S3285 S2669 S2\" id=\"t6o_142\">278,334 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_142\">278,334 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_142\">fixed rate </span><span class=\"S3286 S266A S2\" id=\"t6r_142\">- </span><span class=\"S3287 S266A S2\" id=\"t6s_142\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_142\">- </span><span class=\"S3288 S266A S2\" id=\"t6u_142\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_142\">- </span><span class=\"S3289 S266A S2\" id=\"t6w_142\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_142\">- </span><span class=\"S328A S266A S2\" id=\"t6y_142\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_142\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_142\">6,514 </span><span class=\"S2FF1 S266A S2\" id=\"t71_142\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_142\">- </span><span class=\"S328B S266A S2\" id=\"t73_142\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_142\">6,514 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_142\">6,514 </span><span class=\"S2FF6 S266A S2\" id=\"t76_142\">variable rate </span><span class=\"S328C S266A S2\" id=\"t77_142\">- </span><span class=\"S328D S266A S2\" id=\"t78_142\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_142\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_142\">85,551 </span><span class=\"S2FFB S266A S2\" id=\"t7b_142\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_142\">186,225 </span><span class=\"S2FFD S266A S2\" id=\"t7d_142\">- </span><span class=\"S328E S266A S2\" id=\"t7e_142\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_142\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_142\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_142\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_142\">- </span><span class=\"S328F S266A S2\" id=\"t7j_142\">- </span><span class=\"S3290 S266A S2\" id=\"t7k_142\">271,776 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_142\">271,776 </span><span class=\"S3005 S266A S2\" id=\"t7m_142\">non-interest-bearing </span><span class=\"S3291 S266A S2\" id=\"t7n_142\">- </span><span class=\"S3292 S266A S2\" id=\"t7o_142\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_142\">- </span><span class=\"S3293 S266A S2\" id=\"t7q_142\">- </span><span class=\"S300A S266A S2\" id=\"t7r_142\">- </span><span class=\"S3294 S266A S2\" id=\"t7s_142\">- </span><span class=\"S300C S266A S2\" id=\"t7t_142\">- </span><span class=\"S3295 S266A S2\" id=\"t7u_142\">- </span><span class=\"S300E S266A S2\" id=\"t7v_142\">- </span><span class=\"S300F S266A S2\" id=\"t7w_142\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_142\">- </span><span class=\"S3296 S266A S2\" id=\"t7y_142\">44 </span><span class=\"S3297 S266A S2\" id=\"t7z_142\">- </span><span class=\"S3298 S266A S2\" id=\"t80_142\">44 </span><span class=\"S3299 S2669 S2\" id=\"t81_142\">44 </span><span class=\"S329A S2669 S2\" id=\"t82_142\">Net position </span><span class=\"S329B S2669 S2\" id=\"t83_142\">(5,587,533) </span><span class=\"S329C S2669 S2\" id=\"t84_142\">(4,253,012) </span><span class=\"S329D S2669 S2\" id=\"t85_142\">578,409 </span><span class=\"S329E S2669 S2\" id=\"t86_142\">1,195,694 </span><span class=\"S301A S2669 S2\" id=\"t87_142\">313,809 </span><span class=\"S301B S2669 S2\" id=\"t88_142\">890,767 </span><span class=\"S329F S2669 S2\" id=\"t89_142\">278,494 </span><span class=\"S301D S2669 S2\" id=\"t8a_142\">669,788 </span><span class=\"S32A0 S2669 S2\" id=\"t8b_142\">4,861,168 </span><span class=\"S301F S2669 S2\" id=\"t8c_142\">2,556,377 </span><span class=\"S3020 S2669 S2\" id=\"t8d_142\">(161,996) </span><span class=\"S32A1 S2669 S2\" id=\"t8e_142\">991,937 </span><span class=\"S32A2 S2669 S2\" id=\"t8f_142\">282,351 </span><span class=\"S3023 S2669 S2\" id=\"t8g_142\">2,051,551 </span><span class=\"S3024 S2669 S2\" id=\"t8h_142\">2,333,902 </span><span class=\"SA50 SB S2\" id=\"t5_143\">37.5. Market risk </span><span class=\"S18C1 SA7 S2\" id=\"t6_143\">The Group takes on exposure to market risks. Market risks arise from open positions in interest rate, currency and </span><span class=\"S32A3 SA7 S2\" id=\"t7_143\">equity products, all of which </span><span class=\"S32A4 S5B9 S2\" id=\"t8_143\">are exposed to general and specific market movements. The Group applies a \u2018Value</span><span class=\"S32A5 SA7 S2\" id=\"t9_143\">- </span><span class=\"S32A6 SA7 S2\" id=\"ta_143\">at-</span><span class=\"S32A7 S5B9 S2\" id=\"tb_143\">Risk\u2019 (VaR) methodology to estimate the market risk of positions held and the maximum losses expected, based </span><span class=\"S32A8 SA7 S2\" id=\"tc_143\">upon a number of assumptions for various changes in market conditions. The Management Board sets limits on </span><span class=\"S96F SA7 S2\" id=\"td_143\">the value of risk that may be accepted, which is monitored on a daily basis. (Analysis of liquidity risk, foreign </span><span class=\"S32A9 SA7 S2\" id=\"te_143\">currency risk and interest rate risk is detailed in Notes 37.2., 37.3. and 37.4., respectively.) </span><span class=\"S28FA SB S2\" id=\"tf_143\">37.5.1. </span><span class=\"S32AA SB S2\" id=\"tg_143\">Market Risk sensitivity analysis </span><span class=\"S32AB SA7 S2\" id=\"th_143\">The VaR risk measure estimates the potential loss in pre-tax profit over a given holding period for a specified </span><span class=\"S819 SA7 S2\" id=\"ti_143\">confidence level. </span><span class=\"S32AC SA7 S2\" id=\"tj_143\">The VaR methodology is a statistically defined, probability-based approach that takes into account market </span><span class=\"S32AD SA7 S2\" id=\"tk_143\">volatilities as well as risk diversification by recognizing offsetting positions and correlations between products and </span><span class=\"S32AE SA7 S2\" id=\"tl_143\">markets. Risks can be measured consistently across all markets and products, and risk measures can be aggregated </span><span class=\"S32AF SA7 S2\" id=\"tm_143\">to arrive at a single risk number. The one-day 99% VaR number used by the Group reflects the 99% probability </span><span class=\"S32B0 SA7 S2\" id=\"tn_143\">that the daily loss will not exceed the reported VaR. </span><span class=\"S32B1 SA7 S2\" id=\"to_143\">VaR methodologies are employed to calculate daily risk numbers include the historical and variance-covariance </span><span class=\"S32B2 SA7 S2\" id=\"tp_143\">approach. The diversification effect has not been validated among the various market risk types when capital </span><span class=\"SA31 SA7 S2\" id=\"tq_143\">calculation happens. </span><span class=\"S32B3 SA7 S2\" id=\"tr_143\">In addition to these two methodologies, Monte Carlo simulations are applied to the various portfolios on a monthly </span><span class=\"S32B4 SA7 S2\" id=\"ts_143\">basis to determine potential future exposure. </span><span class=\"S75A SA7 S2\" id=\"tt_143\">The VaR of the trading portfolio can be summarized as follows (in HUF mn): </span><span class=\"S32B5 SB S2\" id=\"tu_143\">Historical VaR (99%, one-day) by risk type </span><span class=\"S32B6 SB S2\" id=\"tv_143\">Average VaR </span><span class=\"S32B7 SB S2\" id=\"tw_143\">2022 </span><span class=\"S32B8 SB S2\" id=\"tx_143\">2021 </span><span class=\"S32B9 SA7 S2\" id=\"ty_143\">Foreign exchange </span><span class=\"S32BA SA7 S2\" id=\"tz_143\">5,896 </span><span class=\"S32BB SA7 S2\" id=\"t10_143\">1,691 </span><span class=\"S32BC SA7 S2\" id=\"t11_143\">Interest rate </span><span class=\"S32BD SA7 S2\" id=\"t12_143\">890 </span><span class=\"S32BE SA7 S2\" id=\"t13_143\">212 </span><span class=\"S32BF SA7 S2\" id=\"t14_143\">Equity instruments </span><span class=\"S32C0 SA7 S2\" id=\"t15_143\">42 </span><span class=\"S32C1 SA7 S2\" id=\"t16_143\">20 </span><span class=\"S32C2 SA7 S2\" id=\"t17_143\">Diversification </span><span class=\"S32C3 SA7 S2\" id=\"t18_143\">- </span><span class=\"S32C4 SA7 S2\" id=\"t19_143\">- </span><span class=\"S32C5 SB S2\" id=\"t1a_143\">Total VaR exposure </span><span class=\"S32C6 SB S2\" id=\"t1b_143\">6,829 </span><span class=\"S32C7 SB S2\" id=\"t1c_143\">1,923 </span><span class=\"S32C8 SA7 S2\" id=\"t1d_143\">The table above shows the VaR figures by asset classes. Since processes driving the value of the major asset classes </span><span class=\"S32C9 SA7 S2\" id=\"t1e_143\">are not independent (for example the depreciation of HUF against the EUR mostly coincide with the increase of </span><span class=\"S32CA SA7 S2\" id=\"t1f_143\">the yields of Hungarian Government Bonds), a diversification impact emerges, so the overall VaR is less than the </span><span class=\"S32CB SA7 S2\" id=\"t1g_143\">sum of the VaR of each individual asset class. </span><span class=\"S32CC S5B9 S2\" id=\"t1h_143\">While VaR captures the Group\u2019s daily exposure to currency and interest rate risk, sensitivity analysis evaluates </span><span class=\"S32CD SA7 S2\" id=\"t1i_143\">the impact of a reasonably possible change in interest or foreign currency rates over a year. The longer time frame </span><span class=\"S32CE SA7 S2\" id=\"t1j_143\">of sensitivity analysis complements VaR and helps the Group to assess its market risk exposures. Details of </span><span class=\"S32CF SA7 S2\" id=\"t1k_143\">sensitivity analysis for foreign currency risk are set out in Note 37.5.2., for interest rate risk in Note 37.5.3., and </span><span class=\"SDB6 SA7 S2\" id=\"t1l_143\">for equity price sensitivity analysis in Note 37.5.4. </span><span class=\"SA7F SB S2\" id=\"t5_144\">37.5.  Market risk [continued] </span><span class=\"S32D0 SB S2\" id=\"t6_144\">37.5.2.  Foreign currency sensitivity analysis </span><span class=\"S32D1 SA7 S2\" id=\"t7_144\">The Bank changed its methodology of foreign currency sensitivity analysis and has been using a historical VaR </span><span class=\"S32D2 S5B9 S2\" id=\"t8_144\">calculation since 31 March 2021. The former Monte Carlo simulation represented the Group\u2019s sensitivity to the </span><span class=\"S32D3 SA7 S2\" id=\"t9_144\">rise and fall in the HUF exchange rate against EUR, over a 3-month period. The sensitivity analysis included only </span><span class=\"S32D4 SA7 S2\" id=\"ta_144\">outstanding foreign currency denominated monetary items as strategic open positions related to foreign activities. </span><span class=\"S32D5 SA7 S2\" id=\"tb_144\">In line with the Management's intention, the former EUR (310) million strategic open position was fully closed as </span><span class=\"S846 SA7 S2\" id=\"tc_144\">at 31 March 2021. </span><span class=\"S32D6 SA7 S2\" id=\"td_144\">Since the closing of the strategic open position, the Group has been using a historical VaR calculation with a 1 day </span><span class=\"S32D7 SA7 S2\" id=\"te_144\">holding period. The analysis includes the same net open foreign exchange position as used under the internal </span><span class=\"S32D8 SA7 S2\" id=\"tf_144\">capital adequacy assessment process (ICAAP). The VaR methodology is a statistically defined, probability-based </span><span class=\"S32D9 SA7 S2\" id=\"tg_144\">approach that takes into account market volatilities as well as risk diversification by recognizing offsetting </span><span class=\"S32DA SA7 S2\" id=\"th_144\">positions and correlations between products and markets. </span><span class=\"S9DA SA7 S2\" id=\"ti_144\">Additionally, the Bank determines the foreign currency risk of assets evaluated through the Other Comprehensive </span><span class=\"S1893 SA7 S2\" id=\"tj_144\">Income, which includes securities valuated on fair value through other comprehensive income and the foreign </span><span class=\"S32DB SA7 S2\" id=\"tk_144\">currency translation reserves. </span><span class=\"S32DC SA7 S2\" id=\"tl_144\">The following table shows the result of the foreign currency sensitivity analysis. </span><span class=\"S1E56 SA7 S2\" id=\"tm_144\">The numbers below indicate the expected daily profit or loss of the portfolio beside the given confidence level. </span><span class=\"S32DD SB S2\" id=\"tn_144\">Probability </span><span class=\"S32DE SB S2\" id=\"to_144\">Effects to the Consolidated </span><span class=\"S32DF SB S2\" id=\"tp_144\">Statement of Profit or Loss </span><span class=\"S32E0 SB S2\" id=\"tq_144\">Effects to the Consolidated </span><span class=\"S32E1 SB S2\" id=\"tr_144\">Statement of Other </span><span class=\"S32E2 SB S2\" id=\"ts_144\">Comprehensive Income </span><span class=\"S32E3 SB S2\" id=\"tt_144\">In HUF million </span><span class=\"S32E4 SB S2\" id=\"tu_144\">In HUF million </span><span class=\"S32E5 SB S2\" id=\"tv_144\">2022 </span><span class=\"S32E6 SB S2\" id=\"tw_144\">2021 </span><span class=\"S32E7 SB S2\" id=\"tx_144\">2022 </span><span class=\"S32E8 SB S2\" id=\"ty_144\">2021 </span><span class=\"S32E9 SA7 S2\" id=\"tz_144\">1% </span><span class=\"S32EA SA7 S2\" id=\"t10_144\">(4,746) </span><span class=\"S32EB SA7 S2\" id=\"t11_144\">(194) </span><span class=\"S32EC SA7 S2\" id=\"t12_144\">(5,604) </span><span class=\"S32ED SA7 S2\" id=\"t13_144\">(1,707) </span><span class=\"S32EE SA7 S2\" id=\"t14_144\">5% </span><span class=\"S32EF SA7 S2\" id=\"t15_144\">(2,542) </span><span class=\"S32F0 SA7 S2\" id=\"t16_144\">(132) </span><span class=\"S32F1 SA7 S2\" id=\"t17_144\">(2,992) </span><span class=\"S32F2 SA7 S2\" id=\"t18_144\">(1,038) </span><span class=\"S32F3 SA7 S2\" id=\"t19_144\">25% </span><span class=\"S32F4 SA7 S2\" id=\"t1a_144\">(843) </span><span class=\"S32F5 SA7 S2\" id=\"t1b_144\">(50) </span><span class=\"S32F6 SA7 S2\" id=\"t1c_144\">(1,190) </span><span class=\"S32F7 SA7 S2\" id=\"t1d_144\">(398) </span><span class=\"S32F8 SA7 S2\" id=\"t1e_144\">50% </span><span class=\"S32F9 SA7 S2\" id=\"t1f_144\">(15) </span><span class=\"S32FA SA7 S2\" id=\"t1g_144\">(1) </span><span class=\"S32FB SA7 S2\" id=\"t1h_144\">(235) </span><span class=\"S32FC SA7 S2\" id=\"t1i_144\">98 </span><span class=\"S32FD SA7 S2\" id=\"t1j_144\">25% </span><span class=\"S32FE SA7 S2\" id=\"t1k_144\">990 </span><span class=\"S32FF SA7 S2\" id=\"t1l_144\">53 </span><span class=\"S3300 SA7 S2\" id=\"t1m_144\">834 </span><span class=\"S3301 SA7 S2\" id=\"t1n_144\">531 </span><span class=\"S3302 SA7 S2\" id=\"t1o_144\">5% </span><span class=\"S3303 SA7 S2\" id=\"t1p_144\">2,837 </span><span class=\"S3304 SA7 S2\" id=\"t1q_144\">142 </span><span class=\"S3305 SA7 S2\" id=\"t1r_144\">2,415 </span><span class=\"S3306 SA7 S2\" id=\"t1s_144\">1,215 </span><span class=\"S3307 SA7 S2\" id=\"t1t_144\">1% </span><span class=\"S3308 SA7 S2\" id=\"t1u_144\">4,245 </span><span class=\"S3309 SA7 S2\" id=\"t1v_144\">221 </span><span class=\"S330A SA7 S2\" id=\"t1w_144\">4,767 </span><span class=\"S330B SA7 S2\" id=\"t1x_144\">1,509 </span><span class=\"S330C SA7 S2\" id=\"t1y_144\">Note: </span><span class=\"S330D SA7 S2\" id=\"t1z_144\">(1) Historical VaR simulation is based on the empirical distribution of the historical exchange rate movements </span><span class=\"S330E SA7 S2\" id=\"t20_144\">between 31 December 2021 and 2022. </span><span class=\"SA7F SB S2\" id=\"t5_145\">37.5.  Market risk [continued] </span><span class=\"S330F SB S2\" id=\"t6_145\">37.5.3.  Interest rate sensitivity analysis </span><span class=\"S3310 SA7 S2\" id=\"t7_145\">The sensitivity analyses below have been determined based on the exposure to interest rates for both derivatives </span><span class=\"S3311 SA7 S2\" id=\"t8_145\">and non-derivative instruments at the balance sheet date. The analysis is prepared assuming the amount of assets </span><span class=\"S3312 SA7 S2\" id=\"t9_145\">and liabilities outstanding at the balance sheet date was outstanding for the whole year. The analysis was prepared </span><span class=\"S10F0 SA7 S2\" id=\"ta_145\">by assuming only adverse interest rate changes. The main assumptions were as follows: </span><span class=\"S3313 S602 S2\" id=\"tb_145\">\u2022 </span><span class=\"S3314 SA7 S2\" id=\"tc_145\">Floating rate assets and liabilities were repriced to the modelled benchmark yields at the repricing dates </span><span class=\"S3315 SA7 S2\" id=\"td_145\">assuming the unchanged margin compared to the last repricing. </span><span class=\"S3316 S602 S2\" id=\"te_145\">\u2022 </span><span class=\"S3317 SA7 S2\" id=\"tf_145\">Fixed rate assets and liabilities were repriced at the contractual maturity date. </span><span class=\"S3318 S602 S2\" id=\"tg_145\">\u2022 </span><span class=\"S3319 SA7 S2\" id=\"th_145\">As for liabilities with discretionary repricing feature by the Bank were assumed to be repriced with two- </span><span class=\"S331A SA7 S2\" id=\"ti_145\">weeks delay, assuming no change in the margin compared to the last repricing date. </span><span class=\"S331B S602 S2\" id=\"tj_145\">\u2022 </span><span class=\"S331C SA7 S2\" id=\"tk_145\">Deposits with an interest rate lower than 0.3% even at high market rates were assumed to be unchanged </span><span class=\"S331D SA7 S2\" id=\"tl_145\">for the whole period. </span><span class=\"S331E SA7 S2\" id=\"tm_145\">The sensitivity of interest income to changes in BUBOR was analysed by assuming two interest rate path scenarios: </span><span class=\"S331F SA7 S2\" id=\"tn_145\">(1) BUBOR increases gradually by 100 bps over the next year (probable scenario) </span><span class=\"S3320 SA7 S2\" id=\"to_145\">(2) BUBOR decreases gradually by 50 bps over the next year (alternative scenario) </span><span class=\"S3321 SA7 S2\" id=\"tp_145\">The net interest income in a one-year period after 1 January 2023 would be decreased by HUF (9,002) million </span><span class=\"S3322 SA7 S2\" id=\"tq_145\">(probable scenario) and increased by HUF 4,306 million (alternative scenario) as a result of these simulation. A </span><span class=\"S3323 SA7 S2\" id=\"tr_145\">similar simulation indicated HUF 1,487 million increase (probable scenario) and HUF (1,025) million (alternative </span><span class=\"S3324 SA7 S2\" id=\"ts_145\">scenario) decrease in the Net interest income in a one-year period after 1 January 2022. </span><span class=\"S3325 SA7 S2\" id=\"tt_145\">This effect is further enhanced by capital results HUF (350) million (for probable scenario) and HUF 181 million </span><span class=\"S3326 SA7 S2\" id=\"tu_145\">(for alternative scenario) as at 31 December 2022, the comparative results were (HUF (619) million for probable </span><span class=\"S3327 SA7 S2\" id=\"tv_145\">scenario, HUF 322 million for alternative scenario as at 31 December 2021) on the government bond portfolio </span><span class=\"S3328 SA7 S2\" id=\"tw_145\">held for hedging (economic). </span><span class=\"S3329 SA7 S2\" id=\"tx_145\">Furthermore, the effects of an instant 10bps parallel shift of the HUF, EUR and USD yield-curves on net interest </span><span class=\"S332A SA7 S2\" id=\"ty_145\">income over a one-year period and on the market value of the hedge government bond at fair value through other </span><span class=\"S332B SA7 S2\" id=\"tz_145\">comprehensive income portfolio booked against capital was analysed. The results can be summarized as follows </span><span class=\"S332C SA7 S2\" id=\"t10_145\">(in HUF million): </span><span class=\"S332D SB S2\" id=\"t11_145\">2022 </span><span class=\"S332E SB S2\" id=\"t12_145\">2021 </span><span class=\"S332F SB S2\" id=\"t13_145\">Description </span><span class=\"S3330 SB S2\" id=\"t14_145\">Effects to the </span><span class=\"S3331 SB S2\" id=\"t15_145\">net interest </span><span class=\"S3332 SB S2\" id=\"t16_145\">income </span><span class=\"S3333 SB S2\" id=\"t17_145\">Effects to </span><span class=\"S3334 SB S2\" id=\"t18_145\">capital </span><span class=\"S3335 SB S2\" id=\"t19_145\">Effects to the </span><span class=\"S3336 SB S2\" id=\"t1a_145\">net interest </span><span class=\"S3337 SB S2\" id=\"t1b_145\">income </span><span class=\"S3338 SB S2\" id=\"t1c_145\">Effects to </span><span class=\"S3339 SB S2\" id=\"t1d_145\">capital </span><span class=\"S333A SA7 S2\" id=\"t1e_145\">HUF (0.1%) parallel shift </span><span class=\"S333B SA7 S2\" id=\"t1f_145\">1,669 </span><span class=\"S333C SA7 S2\" id=\"t1g_145\">36 </span><span class=\"S333D SA7 S2\" id=\"t1h_145\">(105) </span><span class=\"S333E SA7 S2\" id=\"t1i_145\">64 </span><span class=\"S333F SA7 S2\" id=\"t1j_145\">HUF 0.1% parallel shift </span><span class=\"S3340 SA7 S2\" id=\"t1k_145\">(1,667) </span><span class=\"S3341 SA7 S2\" id=\"t1l_145\">(36) </span><span class=\"S3342 SA7 S2\" id=\"t1m_145\">44 </span><span class=\"S3343 SA7 S2\" id=\"t1n_145\">(64) </span><span class=\"S3344 SA7 S2\" id=\"t1o_145\">EUR (0.1%) parallel shift </span><span class=\"S3345 SA7 S2\" id=\"t1p_145\">(3,661) </span><span class=\"S3346 SA7 S2\" id=\"t1q_145\">- </span><span class=\"S3347 SA7 S2\" id=\"t1r_145\">(1,989) </span><span class=\"S3348 SA7 S2\" id=\"t1s_145\">- </span><span class=\"S3349 SA7 S2\" id=\"t1t_145\">USD (0.1%) parallel shift </span><span class=\"S334A SA7 S2\" id=\"t1u_145\">119 </span><span class=\"S334B SA7 S2\" id=\"t1v_145\">- </span><span class=\"S334C SA7 S2\" id=\"t1w_145\">(257) </span><span class=\"S334D SA7 S2\" id=\"t1x_145\">- </span><span class=\"S334E SA7 S2\" id=\"t1y_145\">USD 0.1% parallel shift </span><span class=\"S334F SA7 S2\" id=\"t1z_145\">(290) </span><span class=\"S3350 SA7 S2\" id=\"t20_145\">- </span><span class=\"S3351 SA7 S2\" id=\"t21_145\">85 </span><span class=\"S3352 SA7 S2\" id=\"t22_145\">- </span><span class=\"SA7F SB S2\" id=\"t5_146\">37.5.  Market risk [continued] </span><span class=\"S3353 SB S2\" id=\"t6_146\">37.5.4.  Equity price sensitivity analysis </span><span class=\"S3354 SA7 S2\" id=\"t7_146\">The following table shows the effect of the equity price sensitivity. The Group uses VaR calculation with 1 day </span><span class=\"S3355 SA7 S2\" id=\"t8_146\">holding period and a 99% confidence level. The VaR methodology is a statistically defined, probability-based </span><span class=\"S3356 SA7 S2\" id=\"t9_146\">approach that takes into account market volatilities as well as risk diversification by recognizing offsetting </span><span class=\"S3357 SA7 S2\" id=\"ta_146\">positions and correlations between products and markets. The daily loss will not exceed the reported VaR number </span><span class=\"S8B2 SA7 S2\" id=\"tb_146\">with 99% of probability. </span><span class=\"S3358 SA7 S2\" id=\"tc_146\">The stress test assumes the largest price movement of the last year and calculates with it as the adverse direction. </span><span class=\"S3359 SA7 S2\" id=\"td_146\">These scenarios show the loss of the portfolio when all prices change with the maximum amount of the last year. </span><span class=\"S335A SB S2\" id=\"te_146\">Description </span><span class=\"S335B SB S2\" id=\"tf_146\">2022 </span><span class=\"S335C SB S2\" id=\"tg_146\">2021 </span><span class=\"S335D SA7 S2\" id=\"th_146\">VaR (99%, one day, HUF million) </span><span class=\"S335E SA7 S2\" id=\"ti_146\">15 </span><span class=\"S335F SA7 S2\" id=\"tj_146\">12 </span><span class=\"S3360 SA7 S2\" id=\"tk_146\">Stress test (HUF million) </span><span class=\"S3361 SA7 S2\" id=\"tl_146\">(26) </span><span class=\"S3362 SA7 S2\" id=\"tm_146\">(21) </span><span class=\"SFA4 SB S2\" id=\"t3_149\">NOTE 38: </span><span class=\"S5BA SB S2\" id=\"t4_149\">TRANSFER OF FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S33CF SB S2\" id=\"t5_149\">Financial assets transferred but not derecognized </span><span class=\"S33D0 SB S2\" id=\"t6_149\">Transferred </span><span class=\"S33D1 SB S2\" id=\"t7_149\">assets </span><span class=\"S33D2 SB S2\" id=\"t8_149\">Associated </span><span class=\"S33D3 SB S2\" id=\"t9_149\">liabilities </span><span class=\"S33D4 SB S2\" id=\"ta_149\">Transferred </span><span class=\"S33D5 SB S2\" id=\"tb_149\">assets </span><span class=\"S33D6 SB S2\" id=\"tc_149\">Associated </span><span class=\"S33D7 SB S2\" id=\"td_149\">liabilities </span><span class=\"S33D8 SB S2\" id=\"te_149\">Carrying amount </span><span class=\"S33D9 SB S2\" id=\"tf_149\">Carrying amount </span><span class=\"S33DA SB S2\" id=\"tg_149\">2022 </span><span class=\"S33DB SB S2\" id=\"th_149\">2021 </span><span class=\"S33DC SB S2\" id=\"ti_149\">Financial assets at fair value </span><span class=\"S33DD SB S2\" id=\"tj_149\">through other comprehensive income </span><span class=\"S33DE SA7 S2\" id=\"tk_149\">Debt securities </span><span class=\"S33DF SA7 S2\" id=\"tl_149\">- </span><span class=\"S33E0 SA7 S2\" id=\"tm_149\">- </span><span class=\"S33E1 SA7 S2\" id=\"tn_149\">52,371 </span><span class=\"S33E2 SA7 S2\" id=\"to_149\">45,484 </span><span class=\"S33E3 SB S2\" id=\"tp_149\">Total </span><span class=\"S33E4 SB S2\" id=\"tq_149\">- </span><span class=\"S33E5 SB S2\" id=\"tr_149\">- </span><span class=\"S33E6 SB S2\" id=\"ts_149\">52,371 </span><span class=\"S33E7 SB S2\" id=\"tt_149\">45,484 </span><span class=\"S33E8 SB S2\" id=\"tu_149\">Financial assets at amortized cost </span><span class=\"S33E9 SA7 S2\" id=\"tv_149\">Debt securities </span><span class=\"S33EA SA7 S2\" id=\"tw_149\">332,082 </span><span class=\"S33EB SA7 S2\" id=\"tx_149\">282,227 </span><span class=\"S33EC SA7 S2\" id=\"ty_149\">92,765 </span><span class=\"S33ED SA7 S2\" id=\"tz_149\">90,986 </span><span class=\"S33EE SA7 S2\" id=\"t10_149\">Loans and advances </span><span class=\"S33EF SA7 S2\" id=\"t11_149\">3,534 </span><span class=\"S33F0 SA7 S2\" id=\"t12_149\">1,647 </span><span class=\"S33F1 SA7 S2\" id=\"t13_149\">833 </span><span class=\"S33F2 SA7 S2\" id=\"t14_149\">1,056 </span><span class=\"S33F3 SB S2\" id=\"t15_149\">Total </span><span class=\"S33F4 SB S2\" id=\"t16_149\">335,616 </span><span class=\"S33F5 SB S2\" id=\"t17_149\">283,874 </span><span class=\"S33F6 SB S2\" id=\"t18_149\">93,598 </span><span class=\"S33F7 SB S2\" id=\"t19_149\">92,042 </span><span class=\"S17B5 SB S2\" id=\"t1a_149\">Total </span><span class=\"S33F8 SB S2\" id=\"t1b_149\">335,616 </span><span class=\"S33F9 SB S2\" id=\"t1c_149\">283,874 </span><span class=\"S33FA SB S2\" id=\"t1d_149\">145,969 </span><span class=\"S33FB SB S2\" id=\"t1e_149\">137,526 </span><span class=\"S33FC SA7 S2\" id=\"t1f_149\">As at 31 December 2022 and 2021, the Group had an obligation from repurchase agreements (repo liability) of </span><span class=\"S33FD SA7 S2\" id=\"t1g_149\">HUF 217,264 million and HUF 79,045 million respectively. Securities sold temporarily under repurchase </span><span class=\"S33FE SA7 S2\" id=\"t1h_149\">agreements will continue to be recognized in the Consolidated Statement of Financial Position of the Group in the </span><span class=\"S33FF SA7 S2\" id=\"t1i_149\">appropriate securities category. The related liability is measured at amortized cost in the Consolidated Statement </span><span class=\"S3400 S5B9 S2\" id=\"t1j_149\">of Financial Position as \u201cAmounts due to the National Governments, to the National Banks and other banks and </span><span class=\"S3401 S5B9 S2\" id=\"t1k_149\">repo liabilities\u201d. </span><span class=\"S3402 SB S2\" id=\"t1l_149\">Financial assets transferred, derecognized with continuing involvement </span><span class=\"S3403 SA7 S2\" id=\"t1m_149\">Financial assets which would have been derecognized but would be represented the continuing involvement are </span><span class=\"S3404 SA7 S2\" id=\"t1n_149\">not recognized in the Consolidated Statement of Financial Position as at 31 December 2022 or as at 31 December </span><span class=\"S3405 SA7 S2\" id=\"t1o_149\">2021. </span><span class=\"SFA4 SB S2\" id=\"t3_167\">NOTE 44: </span><span class=\"S153B SB S2\" id=\"t4_167\">TRUST ACTIVITIES (in HUF mn) </span><span class=\"S3A1E SA7 S2\" id=\"t5_167\">The Bank acts as a trustee for certain loans granted by companies or employers to their employees, mainly for </span><span class=\"S3A1F SA7 S2\" id=\"t6_167\">housing purposes. The ultimate risk for these loans rests with the party advancing the funds. As these loans and </span><span class=\"S3A20 SA7 S2\" id=\"t7_167\">related funds are not considered to be assets or liabilities of the Group, they have been excluded from the </span><span class=\"SF8B SA7 S2\" id=\"t8_167\">accompanying Consolidated Statement of Financial Position. </span><span class=\"S1794 SB S2\" id=\"t9_167\">2022 </span><span class=\"S1795 SB S2\" id=\"ta_167\">2021 </span><span class=\"S3A21 SA7 S2\" id=\"tb_167\">The amount of loans managed by the Group as a trustee </span><span class=\"S3A22 SA7 S2\" id=\"tc_167\">37,714 </span><span class=\"S3A23 SA7 S2\" id=\"td_167\">36,517 </span><span class=\"SFA4 SB S2\" id=\"t3_171\">NOTE 47: </span><span class=\"SFA5 SB S2\" id=\"t4_171\">NET GAIN OR LOSS REALIZED ON FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S3AA3 SB S2\" id=\"t5_171\">2022 </span><span class=\"S3AA4 SB S2\" id=\"t6_171\">Net interest / </span><span class=\"S3AA5 SB S2\" id=\"t7_171\">similar to </span><span class=\"S3AA6 SB S2\" id=\"t8_171\">interest gain </span><span class=\"S3AA7 SB S2\" id=\"t9_171\">and loss </span><span class=\"S3AA8 SB S2\" id=\"ta_171\">Net non- </span><span class=\"S3AA9 SB S2\" id=\"tb_171\">interest gain </span><span class=\"S3AAA SB S2\" id=\"tc_171\">and loss </span><span class=\"S3AAB SB S2\" id=\"td_171\">Loss </span><span class=\"S3AAC SB S2\" id=\"te_171\">allowance </span><span class=\"S3AAD SB S2\" id=\"tf_171\">Other </span><span class=\"S3AAE SB S2\" id=\"tg_171\">Compre- </span><span class=\"S3AAF SB S2\" id=\"th_171\">hensive </span><span class=\"S3AB0 SB S2\" id=\"ti_171\">Income </span><span class=\"S3AB1 SA7 S2\" id=\"tj_171\">Cash, amounts due from banks and </span><span class=\"S3AB2 SA7 S2\" id=\"tk_171\">balances with the National Banks </span><span class=\"S3AB3 SA7 S2\" id=\"tl_171\">62,121 </span><span class=\"S3AB4 SA7 S2\" id=\"tm_171\">- </span><span class=\"S3AB5 SA7 S2\" id=\"tn_171\">(375) </span><span class=\"S3AB6 SA7 S2\" id=\"to_171\">- </span><span class=\"S3AB7 SA7 S2\" id=\"tp_171\">Placements with other banks </span><span class=\"S3AB8 SA7 S2\" id=\"tq_171\">154,231 </span><span class=\"S3AB9 SA7 S2\" id=\"tr_171\">- </span><span class=\"S3ABA SA7 S2\" id=\"ts_171\">39 </span><span class=\"S3ABB SA7 S2\" id=\"tt_171\">- </span><span class=\"S3ABC SA7 S2\" id=\"tu_171\">Repo receivables </span><span class=\"S3ABD SA7 S2\" id=\"tv_171\">4,261 </span><span class=\"S3ABE SA7 S2\" id=\"tw_171\">- </span><span class=\"S3ABF SA7 S2\" id=\"tx_171\">50 </span><span class=\"S3AC0 SA7 S2\" id=\"ty_171\">- </span><span class=\"S3AC1 SA7 S2\" id=\"tz_171\">Trading securities at fair value </span><span class=\"S3AC2 SA7 S2\" id=\"t10_171\">through profit or loss </span><span class=\"S33E4 SA7 S2\" id=\"t11_171\">- </span><span class=\"S3AC3 SA7 S2\" id=\"t12_171\">(3,151) </span><span class=\"S3AC4 SA7 S2\" id=\"t13_171\">- </span><span class=\"S3AC5 SA7 S2\" id=\"t14_171\">- </span><span class=\"S3AC6 SA7 S2\" id=\"t15_171\">Non-trading instruments mandatorily </span><span class=\"S3AC7 SA7 S2\" id=\"t16_171\">at fair value through profit or loss </span><span class=\"S3AC8 SA7 S2\" id=\"t17_171\">54 </span><span class=\"S3AC9 SA7 S2\" id=\"t18_171\">145 </span><span class=\"S3ACA SA7 S2\" id=\"t19_171\">- </span><span class=\"S3ACB SA7 S2\" id=\"t1a_171\">- </span><span class=\"S3ACC SA7 S2\" id=\"t1b_171\">Securities at fair value through </span><span class=\"S3ACD SA7 S2\" id=\"t1c_171\">other comprehensive income </span><span class=\"S3ACE SE8B S2\" id=\"t1d_171\">1 </span><span class=\"S3ACF SA7 S2\" id=\"t1e_171\">54,046 </span><span class=\"S3AD0 SA7 S2\" id=\"t1f_171\">(1,014) </span><span class=\"S3AD1 SA7 S2\" id=\"t1g_171\">(29,273) </span><span class=\"S3AD2 SA7 S2\" id=\"t1h_171\">(119,377) </span><span class=\"S3AD3 SA7 S2\" id=\"t1i_171\">Securities at amortized cost </span><span class=\"S33F4 SA7 S2\" id=\"t1j_171\">144,757 </span><span class=\"S3AD4 SA7 S2\" id=\"t1k_171\">(4,636) </span><span class=\"S3AD5 SA7 S2\" id=\"t1l_171\">(31,501) </span><span class=\"S3AD6 SA7 S2\" id=\"t1m_171\">- </span><span class=\"S3AD7 SA7 S2\" id=\"t1n_171\">Loans at amortized cost </span><span class=\"S3AD8 SA7 S2\" id=\"t1o_171\">978,037 </span><span class=\"S3AD9 SA7 S2\" id=\"t1p_171\">32,572 </span><span class=\"S3ADA SA7 S2\" id=\"t1q_171\">(167,506) </span><span class=\"S3ADB SA7 S2\" id=\"t1r_171\">- </span><span class=\"S3ADC SA7 S2\" id=\"t1s_171\">Finance lease receivables </span><span class=\"S3ADD SA7 S2\" id=\"t1t_171\">78,262 </span><span class=\"S3ADE SA7 S2\" id=\"t1u_171\">- </span><span class=\"S3ADF SA7 S2\" id=\"t1v_171\">(24,413) </span><span class=\"S3AE0 SA7 S2\" id=\"t1w_171\">- </span><span class=\"S3AE1 SA7 S2\" id=\"t1x_171\">Loans mandatorily at fair value </span><span class=\"S3AE2 SA7 S2\" id=\"t1y_171\">through profit or loss </span><span class=\"S3AE3 SA7 S2\" id=\"t1z_171\">54,036 </span><span class=\"S3AE4 SA7 S2\" id=\"t20_171\">(5,951) </span><span class=\"S3AE5 SA7 S2\" id=\"t21_171\">13,346 </span><span class=\"S3AE6 SA7 S2\" id=\"t22_171\">- </span><span class=\"S3AE7 SA7 S2\" id=\"t23_171\">Other financial assets </span><span class=\"S3AE8 SE8B S2\" id=\"t24_171\">2 </span><span class=\"S3AE9 SA7 S2\" id=\"t25_171\">4,103 </span><span class=\"S3AEA SA7 S2\" id=\"t26_171\">- </span><span class=\"S3AEB SA7 S2\" id=\"t27_171\">(1,204) </span><span class=\"S3AEC SA7 S2\" id=\"t28_171\">- </span><span class=\"S3AED SA7 S2\" id=\"t29_171\">Derivative financial instruments </span><span class=\"S3AEE SE8B S2\" id=\"t2a_171\">2 </span><span class=\"S3AEF SA7 S2\" id=\"t2b_171\">(85,909) </span><span class=\"S3AF0 SA7 S2\" id=\"t2c_171\">10,558 </span><span class=\"S3AF1 SA7 S2\" id=\"t2d_171\">- </span><span class=\"S3AF2 SA7 S2\" id=\"t2e_171\">- </span><span class=\"S3AF3 SB S2\" id=\"t2f_171\">Total result on financial assets </span><span class=\"S3AF4 SB S2\" id=\"t2g_171\">1,447,999 </span><span class=\"S3AF5 SB S2\" id=\"t2h_171\">28,523 </span><span class=\"S3AF6 SB S2\" id=\"t2i_171\">(240,837) </span><span class=\"S3AF7 SB S2\" id=\"t2j_171\">(119,377) </span><span class=\"S3AF8 SA7 S2\" id=\"t2k_171\">Amounts due to banks, the National </span><span class=\"S3AF9 SA7 S2\" id=\"t2l_171\">Governments, deposits from the </span><span class=\"S3AFA SA7 S2\" id=\"t2m_171\">National Banks and other banks </span><span class=\"S3AFB SA7 S2\" id=\"t2n_171\">(16,315) </span><span class=\"S3AFC SA7 S2\" id=\"t2o_171\">- </span><span class=\"S3AFD SA7 S2\" id=\"t2p_171\">- </span><span class=\"S3AFE SA7 S2\" id=\"t2q_171\">- </span><span class=\"S3AFF SA7 S2\" id=\"t2r_171\">Repo liabilities </span><span class=\"S3B00 SA7 S2\" id=\"t2s_171\">(31,006) </span><span class=\"S3B01 SA7 S2\" id=\"t2t_171\">- </span><span class=\"S3B02 SA7 S2\" id=\"t2u_171\">- </span><span class=\"S3B03 SA7 S2\" id=\"t2v_171\">- </span><span class=\"S3B04 SA7 S2\" id=\"t2w_171\">Financial liabilities designated </span><span class=\"S3B05 SA7 S2\" id=\"t2x_171\">at fair value through profit or loss </span><span class=\"S3B06 SA7 S2\" id=\"t2y_171\">(562) </span><span class=\"S3B07 SA7 S2\" id=\"t2z_171\">1,932 </span><span class=\"S3B08 SA7 S2\" id=\"t30_171\">- </span><span class=\"S3B09 SA7 S2\" id=\"t31_171\">- </span><span class=\"S3B0A SA7 S2\" id=\"t32_171\">Deposits from customers </span><span class=\"S3B0B SA7 S2\" id=\"t33_171\">(269,592) </span><span class=\"S3B0C SA7 S2\" id=\"t34_171\">342,427 </span><span class=\"S3B0D SA7 S2\" id=\"t35_171\">- </span><span class=\"S3B0E SA7 S2\" id=\"t36_171\">- </span><span class=\"S3B0F SA7 S2\" id=\"t37_171\">Liabilities from issued securities </span><span class=\"S3B10 SA7 S2\" id=\"t38_171\">(27,838) </span><span class=\"S3B11 SA7 S2\" id=\"t39_171\">- </span><span class=\"S3B12 SA7 S2\" id=\"t3a_171\">- </span><span class=\"S3B13 SA7 S2\" id=\"t3b_171\">- </span><span class=\"S3B14 SA7 S2\" id=\"t3c_171\">Leasing liabilities </span><span class=\"S3B15 SA7 S2\" id=\"t3d_171\">(2,386) </span><span class=\"S3B16 SA7 S2\" id=\"t3e_171\">- </span><span class=\"S3B17 SA7 S2\" id=\"t3f_171\">- </span><span class=\"S3B18 SA7 S2\" id=\"t3g_171\">- </span><span class=\"S3B19 SA7 S2\" id=\"t3h_171\">Subordinated bonds and loans </span><span class=\"S3B1A SA7 S2\" id=\"t3i_171\">(8,986) </span><span class=\"S3B1B SA7 S2\" id=\"t3j_171\">- </span><span class=\"S3B1C SA7 S2\" id=\"t3k_171\">- </span><span class=\"S3B1D SA7 S2\" id=\"t3l_171\">- </span><span class=\"S3B1E SB S2\" id=\"t3m_171\">Total result on financial liabilities </span><span class=\"S3B1F SB S2\" id=\"t3n_171\">(356,685) </span><span class=\"S3B20 SB S2\" id=\"t3o_171\">344,359 </span><span class=\"S3B21 SB S2\" id=\"t3p_171\">- </span><span class=\"S3B22 SB S2\" id=\"t3q_171\">- </span><span class=\"S3B23 SB S2\" id=\"t3r_171\">Total result on financial instruments </span><span class=\"S3B24 SB S2\" id=\"t3s_171\">1,091,314 </span><span class=\"S3B25 SB S2\" id=\"t3t_171\">372,882 </span><span class=\"S3B26 SB S2\" id=\"t3u_171\">(240,837) </span><span class=\"S3B27 SB S2\" id=\"t3v_171\">(119,377) </span><span class=\"S3B28 S482 S2\" id=\"t3w_171\">1 </span><span class=\"S3B29 S483 S2\" id=\"t3x_171\">For the year 2022 HUF (1,014) million net non-interest gain on securities at fair value through other comprehensive income was transferred </span><span class=\"S3B2A S483 S2\" id=\"t3y_171\">from other comprehensive income to profit or loss. </span><span class=\"S1658 S482 S2\" id=\"t3z_171\">2 </span><span class=\"S3B2B S483 S2\" id=\"t40_171\">Gains from other financial assets and derivative financial instruments recognized in net interest income as Income similar to interest income. </span><span class=\"SFA4 SB S2\" id=\"t3_172\">NOTE 47: </span><span class=\"SFA5 SB S2\" id=\"t4_172\">NET GAIN OR LOSS REALIZED ON FINANCIAL INSTRUMENTS (in HUF mn) </span><span class=\"S5BB SB S2\" id=\"t5_172\">[continued] </span><span class=\"S3AA3 SB S2\" id=\"t6_172\">2021 </span><span class=\"S3B2C SB S2\" id=\"t7_172\">Net interest / </span><span class=\"S3AA5 SB S2\" id=\"t8_172\">similar to </span><span class=\"S3AA6 SB S2\" id=\"t9_172\">interest gain </span><span class=\"S3B2D SB S2\" id=\"ta_172\">and loss </span><span class=\"S3AA8 SB S2\" id=\"tb_172\">Net non- </span><span class=\"S3AA9 SB S2\" id=\"tc_172\">interest gain </span><span class=\"S3AAA SB S2\" id=\"td_172\">and loss </span><span class=\"S3AAB SB S2\" id=\"te_172\">Loss </span><span class=\"S3AAC SB S2\" id=\"tf_172\">allowance </span><span class=\"S3AAD SB S2\" id=\"tg_172\">Other </span><span class=\"S3AAE SB S2\" id=\"th_172\">Compre- </span><span class=\"S3AAF SB S2\" id=\"ti_172\">hensive </span><span class=\"S3AB0 SB S2\" id=\"tj_172\">Income </span><span class=\"S3AB1 SA7 S2\" id=\"tk_172\">Cash, amounts due from banks and </span><span class=\"S3AB2 SA7 S2\" id=\"tl_172\">balances with the National Banks </span><span class=\"S3AB3 SA7 S2\" id=\"tm_172\">16,527 </span><span class=\"S3AB4 SA7 S2\" id=\"tn_172\">- </span><span class=\"S3AB5 SA7 S2\" id=\"to_172\">(952) </span><span class=\"S3AB6 SA7 S2\" id=\"tp_172\">- </span><span class=\"S3AB7 SA7 S2\" id=\"tq_172\">Placements with other banks </span><span class=\"S3B2E SA7 S2\" id=\"tr_172\">24,594 </span><span class=\"S3AB9 SA7 S2\" id=\"ts_172\">- </span><span class=\"S3B2F SA7 S2\" id=\"tt_172\">(1,664) </span><span class=\"S3ABB SA7 S2\" id=\"tu_172\">- </span><span class=\"S3ABC SA7 S2\" id=\"tv_172\">Repo receivables </span><span class=\"S3B30 SA7 S2\" id=\"tw_172\">827 </span><span class=\"S3ABE SA7 S2\" id=\"tx_172\">- </span><span class=\"S3ABF SA7 S2\" id=\"ty_172\">12 </span><span class=\"S3AC0 SA7 S2\" id=\"tz_172\">- </span><span class=\"S3AC1 SA7 S2\" id=\"t10_172\">Trading securities at fair value </span><span class=\"S3AC2 SA7 S2\" id=\"t11_172\">through profit or loss </span><span class=\"S33E4 SA7 S2\" id=\"t12_172\">- </span><span class=\"S3B31 SA7 S2\" id=\"t13_172\">5,016 </span><span class=\"S3AC4 SA7 S2\" id=\"t14_172\">- </span><span class=\"S3AC5 SA7 S2\" id=\"t15_172\">- </span><span class=\"S3AC6 SA7 S2\" id=\"t16_172\">Non-trading instruments mandatorily </span><span class=\"S3AC7 SA7 S2\" id=\"t17_172\">at fair value through profit or loss </span><span class=\"S3B32 SA7 S2\" id=\"t18_172\">1,749 </span><span class=\"S3B33 SA7 S2\" id=\"t19_172\">4,812 </span><span class=\"S3ACA SA7 S2\" id=\"t1a_172\">- </span><span class=\"S3ACB SA7 S2\" id=\"t1b_172\">- </span><span class=\"S3ACC SA7 S2\" id=\"t1c_172\">Securities at fair value through </span><span class=\"S3ACD SA7 S2\" id=\"t1d_172\">other comprehensive income </span><span class=\"S3ACE SE8B S2\" id=\"t1e_172\">1 </span><span class=\"S3ACF SA7 S2\" id=\"t1f_172\">49,473 </span><span class=\"S3AD0 SA7 S2\" id=\"t1g_172\">(2,587) </span><span class=\"S3B34 SA7 S2\" id=\"t1h_172\">(961) </span><span class=\"S3B35 SA7 S2\" id=\"t1i_172\">(44,877) </span><span class=\"S3AD3 SA7 S2\" id=\"t1j_172\">Securities at amortized cost </span><span class=\"S3B36 SA7 S2\" id=\"t1k_172\">79,602 </span><span class=\"S3B37 SA7 S2\" id=\"t1l_172\">1,031 </span><span class=\"S3B38 SA7 S2\" id=\"t1m_172\">(3,013) </span><span class=\"S3AD6 SA7 S2\" id=\"t1n_172\">- </span><span class=\"S3AD7 SA7 S2\" id=\"t1o_172\">Loans at amortized cost </span><span class=\"S3AD8 SA7 S2\" id=\"t1p_172\">692,432 </span><span class=\"S3AD9 SA7 S2\" id=\"t1q_172\">26,354 </span><span class=\"S3B39 SA7 S2\" id=\"t1r_172\">(32,159) </span><span class=\"S3ADB SA7 S2\" id=\"t1s_172\">- </span><span class=\"S3ADC SA7 S2\" id=\"t1t_172\">Finance lease receivables </span><span class=\"S3ADD SA7 S2\" id=\"t1u_172\">59,084 </span><span class=\"S3ADE SA7 S2\" id=\"t1v_172\">- </span><span class=\"S3B3A SA7 S2\" id=\"t1w_172\">(5,776) </span><span class=\"S3AE0 SA7 S2\" id=\"t1x_172\">- </span><span class=\"S3AE1 SA7 S2\" id=\"t1y_172\">Loans mandatorily at fair value </span><span class=\"S3AE2 SA7 S2\" id=\"t1z_172\">through profit or loss </span><span class=\"S3AE3 SA7 S2\" id=\"t20_172\">40,131 </span><span class=\"S3B3B SA7 S2\" id=\"t21_172\">4,459 </span><span class=\"S3B3C SA7 S2\" id=\"t22_172\">(16,289) </span><span class=\"S3AE6 SA7 S2\" id=\"t23_172\">- </span><span class=\"S3AE7 SA7 S2\" id=\"t24_172\">Other financial assets </span><span class=\"S3B3D SE8B S2\" id=\"t25_172\">2 </span><span class=\"S3AE9 SA7 S2\" id=\"t26_172\">3,639 </span><span class=\"S3AEA SA7 S2\" id=\"t27_172\">- </span><span class=\"S3B3E SA7 S2\" id=\"t28_172\">438 </span><span class=\"S3AEC SA7 S2\" id=\"t29_172\">- </span><span class=\"S3AED SA7 S2\" id=\"t2a_172\">Derivative financial instruments </span><span class=\"S3AEE SE8B S2\" id=\"t2b_172\">2 </span><span class=\"S3B3F SA7 S2\" id=\"t2c_172\">3,321 </span><span class=\"S3B40 SA7 S2\" id=\"t2d_172\">9,412 </span><span class=\"S3AF1 SA7 S2\" id=\"t2e_172\">- </span><span class=\"S3AF2 SA7 S2\" id=\"t2f_172\">- </span><span class=\"S3AF3 SB S2\" id=\"t2g_172\">Total result on financial assets </span><span class=\"S3B41 SB S2\" id=\"t2h_172\">971,379 </span><span class=\"S3AF5 SB S2\" id=\"t2i_172\">48,497 </span><span class=\"S3B42 SB S2\" id=\"t2j_172\">(60,364) </span><span class=\"S3B43 SB S2\" id=\"t2k_172\">(44,877) </span><span class=\"S3AF8 SA7 S2\" id=\"t2l_172\">Amounts due to banks, the National </span><span class=\"S3AF9 SA7 S2\" id=\"t2m_172\">Governments, deposits from the </span><span class=\"S3AFA SA7 S2\" id=\"t2n_172\">National Banks and other banks </span><span class=\"S3AFB SA7 S2\" id=\"t2o_172\">(24,249) </span><span class=\"S3AFC SA7 S2\" id=\"t2p_172\">- </span><span class=\"S3AFD SA7 S2\" id=\"t2q_172\">- </span><span class=\"S3AFE SA7 S2\" id=\"t2r_172\">- </span><span class=\"S3AFF SA7 S2\" id=\"t2s_172\">Repo liabilities </span><span class=\"S3B44 SA7 S2\" id=\"t2t_172\">(2,299) </span><span class=\"S3B01 SA7 S2\" id=\"t2u_172\">- </span><span class=\"S3B02 SA7 S2\" id=\"t2v_172\">- </span><span class=\"S3B03 SA7 S2\" id=\"t2w_172\">- </span><span class=\"S3B04 SA7 S2\" id=\"t2x_172\">Financial liabilities designated </span><span class=\"S3B05 SA7 S2\" id=\"t2y_172\">at fair value through profit or loss </span><span class=\"S3B06 SA7 S2\" id=\"t2z_172\">(493) </span><span class=\"S3B45 SA7 S2\" id=\"t30_172\">(3,916) </span><span class=\"S3B08 SA7 S2\" id=\"t31_172\">- </span><span class=\"S3B09 SA7 S2\" id=\"t32_172\">- </span><span class=\"S3B0A SA7 S2\" id=\"t33_172\">Deposits from customers </span><span class=\"S3B46 SA7 S2\" id=\"t34_172\">(51,052) </span><span class=\"S3B0C SA7 S2\" id=\"t35_172\">267,033 </span><span class=\"S3B0D SA7 S2\" id=\"t36_172\">- </span><span class=\"S3B0E SA7 S2\" id=\"t37_172\">- </span><span class=\"S3B0F SA7 S2\" id=\"t38_172\">Liabilities from issued securities </span><span class=\"S3B47 SA7 S2\" id=\"t39_172\">(9,822) </span><span class=\"S3B11 SA7 S2\" id=\"t3a_172\">- </span><span class=\"S3B12 SA7 S2\" id=\"t3b_172\">- </span><span class=\"S3B13 SA7 S2\" id=\"t3c_172\">- </span><span class=\"S3B14 SA7 S2\" id=\"t3d_172\">Leasing liabilities </span><span class=\"S3B15 SA7 S2\" id=\"t3e_172\">(1,556) </span><span class=\"S3B16 SA7 S2\" id=\"t3f_172\">- </span><span class=\"S3B17 SA7 S2\" id=\"t3g_172\">- </span><span class=\"S3B18 SA7 S2\" id=\"t3h_172\">- </span><span class=\"S3B19 SA7 S2\" id=\"t3i_172\">Subordinated bonds and loans </span><span class=\"S3B1A SA7 S2\" id=\"t3j_172\">(7,598) </span><span class=\"S3B1B SA7 S2\" id=\"t3k_172\">- </span><span class=\"S3B1C SA7 S2\" id=\"t3l_172\">- </span><span class=\"S3B1D SA7 S2\" id=\"t3m_172\">- </span><span class=\"S3B1E SB S2\" id=\"t3n_172\">Total result on financial liabilities </span><span class=\"S3B48 SB S2\" id=\"t3o_172\">(97,069) </span><span class=\"S3B20 SB S2\" id=\"t3p_172\">263,117 </span><span class=\"S3B21 SB S2\" id=\"t3q_172\">- </span><span class=\"S3B22 SB S2\" id=\"t3r_172\">- </span><span class=\"S3B49 SB S2\" id=\"t3s_172\">Total result on financial instruments </span><span class=\"S3B4A SB S2\" id=\"t3t_172\">874,310 </span><span class=\"S3B25 SB S2\" id=\"t3u_172\">311,614 </span><span class=\"S3B4B SB S2\" id=\"t3v_172\">(60,364) </span><span class=\"S3B4C SB S2\" id=\"t3w_172\">(44,877) </span><span class=\"S3B28 S482 S2\" id=\"t3x_172\">1 </span><span class=\"S3B4D S483 S2\" id=\"t3y_172\">For the year of 2021 HUF (2,587) million net non-interest gain on securities at fair value through other comprehensive income was transferred </span><span class=\"S3B2A S483 S2\" id=\"t3z_172\">from other comprehensive income to profit or loss. </span><span class=\"S1658 S482 S2\" id=\"t40_172\">2 </span><span class=\"S3B4E S483 S2\" id=\"t41_172\">Gains from other financial assets and derivative financial instruments recognized in net interest income as Income similar to interest income. </span><span class=\"S3D9E SB S2\" id=\"t5_178\">48.3.  Types of hedge accounting </span><span class=\"S3D9F SA7 S2\" id=\"t6_178\">Interest rate risk management is centralized at the Group. Interest rate risk exposures in major currencies are </span><span class=\"S3DA0 SA7 S2\" id=\"t7_178\">managed at OTP Headquarter on a consolidated level. Although risk exposures in local currencies are managed at </span><span class=\"S3DA1 SA7 S2\" id=\"t8_178\">subsidiary level, the respective decisions are subject to Headquarter ALCO approval. Interest rate risk is measured </span><span class=\"S3DA2 SA7 S2\" id=\"t9_178\">by simulating NII and EVE under different stress and plan scenarios, the established risk limits are described in </span><span class=\"S3DA3 S5B9 S2\" id=\"ta_178\">\u201eOTP Bank\u2019s Group</span><span class=\"S3DA4 SA7 S2\" id=\"tb_178\">-Level Regulations on the Management of Liquidity Risk and Interest Rate Risk of Banking </span><span class=\"S24F9 S5B9 S2\" id=\"tc_178\">Book\u201d. The interest rate risk management activity aims to stabilize NII within the approved risk </span><span class=\"S3DA5 SA7 S2\" id=\"td_178\">limits </span><span class=\"S3DA6 SA7 S2\" id=\"te_178\">The risk management objective of these hedge relationships is to mitigate the risk of clean fair value (i.e. excluding </span><span class=\"S5C4 SA7 S2\" id=\"tf_178\">accrued interest) change of MIRS loans due to the change of interest rate reference indices (BUBOR, EURIBOR, </span><span class=\"S3DA7 SA7 S2\" id=\"tg_178\">LIBOR, etc.) of the respective currency. </span><span class=\"S3DA8 SA7 S2\" id=\"th_178\">The ineffective part of fair value hedge accounting is presented on Interest income / Interest expense in the </span><span class=\"S18B5 SA7 S2\" id=\"ti_178\">Consolidated Statement of Profit or Loss. </span><span class=\"S3B80 SB S2\" id=\"t5_179\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_179\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_179\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_179\">\u2013 </span><span class=\"S3DAD SB S2\" id=\"t9_179\">hedging instruments as at 31 December 2022 (in fx million) </span><span class=\"S3DAE S27D S2\" id=\"ta_179\">Type of hedge </span><span class=\"S3DAF S27D S2\" id=\"tb_179\">Type of risk </span><span class=\"S3DB0 S27D S2\" id=\"tc_179\">Type of instrument </span><span class=\"S3DB1 S27D S2\" id=\"td_179\">Within one </span><span class=\"S3DB2 S27D S2\" id=\"te_179\">month </span><span class=\"S3DB3 S27D S2\" id=\"tf_179\">Within three </span><span class=\"S3DB4 S27D S2\" id=\"tg_179\">months and </span><span class=\"S3DB5 S27D S2\" id=\"th_179\">over one </span><span class=\"S3DB6 S27D S2\" id=\"ti_179\">month </span><span class=\"S3DB7 S27D S2\" id=\"tj_179\">Within one </span><span class=\"S3DB8 S27D S2\" id=\"tk_179\">year and over </span><span class=\"S3DB9 S27D S2\" id=\"tl_179\">three months </span><span class=\"S3DBA S27D S2\" id=\"tm_179\">Within five </span><span class=\"S3DBB S27D S2\" id=\"tn_179\">years and </span><span class=\"S3DBC S27D S2\" id=\"to_179\">over one year </span><span class=\"S3DBD S27D S2\" id=\"tp_179\">More than </span><span class=\"S3DBE S27D S2\" id=\"tq_179\">five years </span><span class=\"S3DBF S27D S2\" id=\"tr_179\">Total </span><span class=\"S3DC0 S27D S2\" id=\"ts_179\">Fair Value </span><span class=\"S3DC1 S27D S2\" id=\"tt_179\">Hedge </span><span class=\"S3DC2 S27D S2\" id=\"tu_179\">Interest rate </span><span class=\"S3DC3 S27D S2\" id=\"tv_179\">risk </span><span class=\"S3DC4 S27D S2\" id=\"tw_179\">Interest rate swap </span><span class=\"S3DC5 S27E S2\" id=\"tx_179\">HUF </span><span class=\"S3DC6 S27E S2\" id=\"ty_179\">Notional </span><span class=\"S3DC7 S27E S2\" id=\"tz_179\">- </span><span class=\"S3DC8 S27E S2\" id=\"t10_179\">- </span><span class=\"S3DC9 S27E S2\" id=\"t11_179\">- </span><span class=\"S3DCA S27E S2\" id=\"t12_179\">(64,875) </span><span class=\"S3DCB S27E S2\" id=\"t13_179\">30,300 </span><span class=\"S3DCC S27D S2\" id=\"t14_179\">(34,575) </span><span class=\"S3DCD S27E S2\" id=\"t15_179\">Average Interest Rate (%) </span><span class=\"S3DCE S27E S2\" id=\"t16_179\">- </span><span class=\"S3DCF S27E S2\" id=\"t17_179\">- </span><span class=\"S3DD0 S27E S2\" id=\"t18_179\">- </span><span class=\"S3DD1 S27E S2\" id=\"t19_179\">7.15% </span><span class=\"S3DD2 S27E S2\" id=\"t1a_179\">1.40% </span><span class=\"S3DD3 S27E S2\" id=\"t1b_179\">EUR </span><span class=\"S3DD4 S27E S2\" id=\"t1c_179\">Notional </span><span class=\"S3DD5 S27E S2\" id=\"t1d_179\">- </span><span class=\"S3DD6 S27E S2\" id=\"t1e_179\">- </span><span class=\"S3DD7 S27E S2\" id=\"t1f_179\">101 </span><span class=\"S3DD8 S27E S2\" id=\"t1g_179\">10 </span><span class=\"S3DD9 S27E S2\" id=\"t1h_179\">50 </span><span class=\"S3DDA S27D S2\" id=\"t1i_179\">161 </span><span class=\"S3DDB S27E S2\" id=\"t1j_179\">Average Interest Rate (%) </span><span class=\"S3DDC S27E S2\" id=\"t1k_179\">- </span><span class=\"S3DDD S27E S2\" id=\"t1l_179\">- </span><span class=\"S3DDE S27E S2\" id=\"t1m_179\">0.24% </span><span class=\"S3DDF S27E S2\" id=\"t1n_179\">0.22% </span><span class=\"S3DE0 S27E S2\" id=\"t1o_179\">0.05% </span><span class=\"S3DE1 S27E S2\" id=\"t1p_179\">USD </span><span class=\"S3DE2 S27E S2\" id=\"t1q_179\">Notional </span><span class=\"S3DE3 S27E S2\" id=\"t1r_179\">- </span><span class=\"S3DE4 S27E S2\" id=\"t1s_179\">90 </span><span class=\"S3DE5 S27E S2\" id=\"t1t_179\">- </span><span class=\"S3DE6 S27E S2\" id=\"t1u_179\">29 </span><span class=\"S3DE7 S27E S2\" id=\"t1v_179\">47 </span><span class=\"S3DE8 S27D S2\" id=\"t1w_179\">166 </span><span class=\"S3DE9 S27E S2\" id=\"t1x_179\">Average Interest Rate (%) </span><span class=\"S3DEA S27E S2\" id=\"t1y_179\">- </span><span class=\"S3DEB S27E S2\" id=\"t1z_179\">2.60% </span><span class=\"S3DEC S27E S2\" id=\"t20_179\">- </span><span class=\"S3DED S27E S2\" id=\"t21_179\">2.35% </span><span class=\"S3DEE S27E S2\" id=\"t22_179\">4.18% </span><span class=\"S3DEF S27E S2\" id=\"t23_179\">JPY </span><span class=\"S3DF0 S27E S2\" id=\"t24_179\">Notional </span><span class=\"S3DF1 S27E S2\" id=\"t25_179\">- </span><span class=\"S3DF2 S27E S2\" id=\"t26_179\">- </span><span class=\"S3DF3 S27E S2\" id=\"t27_179\">- </span><span class=\"S3DF4 S27E S2\" id=\"t28_179\">4,500 </span><span class=\"S3DF5 S27E S2\" id=\"t29_179\">- </span><span class=\"S3DF6 S27D S2\" id=\"t2a_179\">4,500 </span><span class=\"S3DF7 S27E S2\" id=\"t2b_179\">Average Interest Rate (%) </span><span class=\"S3DF8 S27E S2\" id=\"t2c_179\">- </span><span class=\"S3DF9 S27E S2\" id=\"t2d_179\">- </span><span class=\"S3DFA S27E S2\" id=\"t2e_179\">- </span><span class=\"S3DFB S27E S2\" id=\"t2f_179\">0.22% </span><span class=\"S3DFC S27E S2\" id=\"t2g_179\">- </span><span class=\"S3DFD S27D S2\" id=\"t2h_179\">Fair Value </span><span class=\"S3DFE S27D S2\" id=\"t2i_179\">Hedge </span><span class=\"S3DFF S27D S2\" id=\"t2j_179\">Foreign </span><span class=\"S3E00 S27D S2\" id=\"t2k_179\">exchange &amp; </span><span class=\"S3E01 S27D S2\" id=\"t2l_179\">Interest rate </span><span class=\"S3E02 S27D S2\" id=\"t2m_179\">risk </span><span class=\"S3E03 S27D S2\" id=\"t2n_179\">Cross currency interest rate </span><span class=\"S3E04 S27D S2\" id=\"t2o_179\">swap </span><span class=\"S3E05 S27E S2\" id=\"t2p_179\">EUR/HUF </span><span class=\"S3E06 S27E S2\" id=\"t2q_179\">Notional </span><span class=\"S3E07 S27E S2\" id=\"t2r_179\">- </span><span class=\"S3E08 S27E S2\" id=\"t2s_179\">1 </span><span class=\"S3E09 S27E S2\" id=\"t2t_179\">2 </span><span class=\"S3E0A S27E S2\" id=\"t2u_179\">10 </span><span class=\"S3E0B S27E S2\" id=\"t2v_179\">11 </span><span class=\"S3E0C S27D S2\" id=\"t2w_179\">24 </span><span class=\"S3E0D S27E S2\" id=\"t2x_179\">Average Interest Rate (%) </span><span class=\"S3E0E S27E S2\" id=\"t2y_179\">(1.64%) </span><span class=\"S3E0F S27E S2\" id=\"t2z_179\">(1.68%) </span><span class=\"S3E10 S27E S2\" id=\"t30_179\">(1.68%) </span><span class=\"S3E11 S27E S2\" id=\"t31_179\">(1.71%) </span><span class=\"S3E12 S27E S2\" id=\"t32_179\">(1.82%) </span><span class=\"S3E13 S27E S2\" id=\"t33_179\">Average FX Rate </span><span class=\"S3E14 S27E S2\" id=\"t34_179\">310.41 </span><span class=\"S3E15 S27E S2\" id=\"t35_179\">310.17 </span><span class=\"S3E16 S27E S2\" id=\"t36_179\">310.20 </span><span class=\"S3E17 S27E S2\" id=\"t37_179\">309.74 </span><span class=\"S3E18 S27E S2\" id=\"t38_179\">307.71 </span><span class=\"S3B80 SB S2\" id=\"t5_180\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_180\">Types of hedge accounting [continued] </span><span class=\"S3E19 SB S2\" id=\"t7_180\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_180\">\u2013 </span><span class=\"S3E1A SB S2\" id=\"t9_180\">hedging instruments as at 31 December 2022 (in fx million) [continued] </span><span class=\"S3E1B S27D S2\" id=\"ta_180\">Type of hedge </span><span class=\"S3E1C S27D S2\" id=\"tb_180\">Type of risk </span><span class=\"S3E1D S27D S2\" id=\"tc_180\">Type of instrument </span><span class=\"S3E1E S27D S2\" id=\"td_180\">Within one </span><span class=\"S3E1F S27D S2\" id=\"te_180\">month </span><span class=\"S3E20 S27D S2\" id=\"tf_180\">Within three </span><span class=\"S3E21 S27D S2\" id=\"tg_180\">months and </span><span class=\"S3E22 S27D S2\" id=\"th_180\">over one </span><span class=\"S3E23 S27D S2\" id=\"ti_180\">month </span><span class=\"S3E24 S27D S2\" id=\"tj_180\">Within one </span><span class=\"S3E25 S27D S2\" id=\"tk_180\">year and over </span><span class=\"S3E26 S27D S2\" id=\"tl_180\">three months </span><span class=\"S3E27 S27D S2\" id=\"tm_180\">Within five </span><span class=\"S3E28 S27D S2\" id=\"tn_180\">years and </span><span class=\"S3E29 S27D S2\" id=\"to_180\">over one year </span><span class=\"S3E2A S27D S2\" id=\"tp_180\">More than </span><span class=\"S3E2B S27D S2\" id=\"tq_180\">five years </span><span class=\"S3E2C S27D S2\" id=\"tr_180\">Total </span><span class=\"S3E2D S27D S2\" id=\"ts_180\">Fair Value </span><span class=\"S3E2E S27D S2\" id=\"tt_180\">Hedge </span><span class=\"S3E2F S27D S2\" id=\"tu_180\">Foreign </span><span class=\"S3E30 S27D S2\" id=\"tv_180\">exchange risk </span><span class=\"S3E31 S27D S2\" id=\"tw_180\">Cross currency interest rate </span><span class=\"S3E32 S27D S2\" id=\"tx_180\">swap </span><span class=\"S3E33 S27E S2\" id=\"ty_180\">EUR/HUF </span><span class=\"S3E34 S27E S2\" id=\"tz_180\">Notional </span><span class=\"S3E35 S27E S2\" id=\"t10_180\">- </span><span class=\"S3E36 S27E S2\" id=\"t11_180\">(10) </span><span class=\"S3E37 S27E S2\" id=\"t12_180\">125 </span><span class=\"S3E38 S27E S2\" id=\"t13_180\">878 </span><span class=\"S3E39 S27E S2\" id=\"t14_180\">- </span><span class=\"S3E3A S27D S2\" id=\"t15_180\">993 </span><span class=\"S3E3B S27E S2\" id=\"t16_180\">Average FX Rate </span><span class=\"S3E3C S27E S2\" id=\"t17_180\">363.88 </span><span class=\"S3E3D S27E S2\" id=\"t18_180\">407.57 </span><span class=\"S3E3E S27E S2\" id=\"t19_180\">362.11 </span><span class=\"S3E3F S27E S2\" id=\"t1a_180\">373.88 </span><span class=\"S3E40 S27E S2\" id=\"t1b_180\">- </span><span class=\"S3E41 S27E S2\" id=\"t1c_180\">RON/HUF </span><span class=\"S3E42 S27E S2\" id=\"t1d_180\">Notional </span><span class=\"S3E43 S27E S2\" id=\"t1e_180\">- </span><span class=\"S3E44 S27E S2\" id=\"t1f_180\">- </span><span class=\"S3E45 S27E S2\" id=\"t1g_180\">400 </span><span class=\"S3E46 S27E S2\" id=\"t1h_180\">3,121 </span><span class=\"S3E47 S27E S2\" id=\"t1i_180\">- </span><span class=\"S3E48 S27D S2\" id=\"t1j_180\">3,521 </span><span class=\"S3E49 S27E S2\" id=\"t1k_180\">Average FX Rate </span><span class=\"S3E4A S27E S2\" id=\"t1l_180\">- </span><span class=\"S3E4B S27E S2\" id=\"t1m_180\">- </span><span class=\"S3E4C S27E S2\" id=\"t1n_180\">72.92 </span><span class=\"S3E4D S27E S2\" id=\"t1o_180\">75.08 </span><span class=\"S3E4E S27E S2\" id=\"t1p_180\">- </span><span class=\"S3E4F S27E S2\" id=\"t1q_180\">JPY/HUF </span><span class=\"S3E50 S27E S2\" id=\"t1r_180\">Notional </span><span class=\"S3E51 S27E S2\" id=\"t1s_180\">- </span><span class=\"S3E52 S27E S2\" id=\"t1t_180\">- </span><span class=\"S3E53 S27E S2\" id=\"t1u_180\">- </span><span class=\"S3E54 S27E S2\" id=\"t1v_180\">4,500 </span><span class=\"S3E55 S27E S2\" id=\"t1w_180\">- </span><span class=\"S3E56 S27D S2\" id=\"t1x_180\">4,500 </span><span class=\"S3E57 S27E S2\" id=\"t1y_180\">Average FX Rate </span><span class=\"S3E58 S27E S2\" id=\"t1z_180\">- </span><span class=\"S3E59 S27E S2\" id=\"t20_180\">- </span><span class=\"S3E5A S27E S2\" id=\"t21_180\">- </span><span class=\"S3E5B S27E S2\" id=\"t22_180\">2.79 </span><span class=\"S3E5C S27E S2\" id=\"t23_180\">- </span><span class=\"S3E5D S27E S2\" id=\"t24_180\">USD/HUF </span><span class=\"S3E5E S27E S2\" id=\"t25_180\">Notional </span><span class=\"S3E5F S27E S2\" id=\"t26_180\">- </span><span class=\"S3E60 S27E S2\" id=\"t27_180\">(7) </span><span class=\"S3E61 S27E S2\" id=\"t28_180\">144 </span><span class=\"S3E62 S27E S2\" id=\"t29_180\">146 </span><span class=\"S3E63 S27E S2\" id=\"t2a_180\">- </span><span class=\"S3E64 S27D S2\" id=\"t2b_180\">283 </span><span class=\"S3E65 S27E S2\" id=\"t2c_180\">Average FX Rate </span><span class=\"S3E66 S27E S2\" id=\"t2d_180\">- </span><span class=\"S3E67 S27E S2\" id=\"t2e_180\">323.77 </span><span class=\"S3E68 S27E S2\" id=\"t2f_180\">323.77 </span><span class=\"S3E69 S27E S2\" id=\"t2g_180\">323.77 </span><span class=\"S3E6A S27E S2\" id=\"t2h_180\">- </span><span class=\"S3B80 SB S2\" id=\"t5_181\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_181\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_181\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_181\">\u2013 </span><span class=\"S3E6B SB S2\" id=\"t9_181\">hedging instruments as at 31 December 2021 (in fx million) </span><span class=\"S3E6C S27D S2\" id=\"ta_181\">Type of hedge </span><span class=\"S3E6D S27D S2\" id=\"tb_181\">Type of risk </span><span class=\"S3E6E S27D S2\" id=\"tc_181\">Type of instrument </span><span class=\"S3E6F S27D S2\" id=\"td_181\">Within one </span><span class=\"S3E70 S27D S2\" id=\"te_181\">month </span><span class=\"S3E71 S27D S2\" id=\"tf_181\">Within three </span><span class=\"S3E72 S27D S2\" id=\"tg_181\">months and </span><span class=\"S3E73 S27D S2\" id=\"th_181\">over one </span><span class=\"S3E74 S27D S2\" id=\"ti_181\">month </span><span class=\"S3E75 S27D S2\" id=\"tj_181\">Within one </span><span class=\"S3E76 S27D S2\" id=\"tk_181\">year and over </span><span class=\"S3E77 S27D S2\" id=\"tl_181\">three months </span><span class=\"S3E78 S27D S2\" id=\"tm_181\">Within five </span><span class=\"S3E79 S27D S2\" id=\"tn_181\">years and </span><span class=\"S3E7A S27D S2\" id=\"to_181\">over one year </span><span class=\"S3E7B S27D S2\" id=\"tp_181\">More than </span><span class=\"S3E7C S27D S2\" id=\"tq_181\">five years </span><span class=\"S3E7D S27D S2\" id=\"tr_181\">Total </span><span class=\"S3E7E S27D S2\" id=\"ts_181\">Fair Value </span><span class=\"S3E7F S27D S2\" id=\"tt_181\">Hedge </span><span class=\"S3E80 S27D S2\" id=\"tu_181\">Interest rate </span><span class=\"S3E81 S27D S2\" id=\"tv_181\">risk </span><span class=\"S3E82 S27D S2\" id=\"tw_181\">Interest rate swap </span><span class=\"S3E83 S27E S2\" id=\"tx_181\">HUF </span><span class=\"S3E84 S27E S2\" id=\"ty_181\">Notional </span><span class=\"S3E85 S27E S2\" id=\"tz_181\">- </span><span class=\"S3E86 S27E S2\" id=\"t10_181\">2,000 </span><span class=\"S3E87 S27E S2\" id=\"t11_181\">900 </span><span class=\"S3E88 S27E S2\" id=\"t12_181\">(52,474) </span><span class=\"S3E89 S27E S2\" id=\"t13_181\">42,950 </span><span class=\"S3E8A S27D S2\" id=\"t14_181\">(6,624) </span><span class=\"S3E8B S27E S2\" id=\"t15_181\">Average Interest Rate (%) </span><span class=\"S3E8C S27E S2\" id=\"t16_181\">- </span><span class=\"S3E8D S27E S2\" id=\"t17_181\">1.09% </span><span class=\"S3E8E S27E S2\" id=\"t18_181\">0.49% </span><span class=\"S3E8F S27E S2\" id=\"t19_181\">1.65% </span><span class=\"S3E90 S27E S2\" id=\"t1a_181\">1.31% </span><span class=\"S3E91 S27E S2\" id=\"t1b_181\">EUR </span><span class=\"S3E92 S27E S2\" id=\"t1c_181\">Notional </span><span class=\"S3E93 S27E S2\" id=\"t1d_181\">- </span><span class=\"S3E94 S27E S2\" id=\"t1e_181\">- </span><span class=\"S3E95 S27E S2\" id=\"t1f_181\">1 </span><span class=\"S3E96 S27E S2\" id=\"t1g_181\">111 </span><span class=\"S3E97 S27E S2\" id=\"t1h_181\">50 </span><span class=\"S3E98 S27D S2\" id=\"t1i_181\">162 </span><span class=\"S3E99 S27E S2\" id=\"t1j_181\">Average Interest Rate (%) </span><span class=\"S3E9A S27E S2\" id=\"t1k_181\">- </span><span class=\"S3E9B S27E S2\" id=\"t1l_181\">- </span><span class=\"S3E9C S27E S2\" id=\"t1m_181\">0.23% </span><span class=\"S3E9D S27E S2\" id=\"t1n_181\">0.24% </span><span class=\"S3E9E S27E S2\" id=\"t1o_181\">0.05% </span><span class=\"S3E9F S27E S2\" id=\"t1p_181\">USD </span><span class=\"S3EA0 S27E S2\" id=\"t1q_181\">Notional </span><span class=\"S3EA1 S27E S2\" id=\"t1r_181\">- </span><span class=\"S3EA2 S27E S2\" id=\"t1s_181\">- </span><span class=\"S3EA3 S27E S2\" id=\"t1t_181\">- </span><span class=\"S3EA4 S27E S2\" id=\"t1u_181\">119 </span><span class=\"S3EA5 S27E S2\" id=\"t1v_181\">47 </span><span class=\"S3EA6 S27D S2\" id=\"t1w_181\">166 </span><span class=\"S3EA7 S27E S2\" id=\"t1x_181\">Average Interest Rate (%) </span><span class=\"S3EA8 S27E S2\" id=\"t1y_181\">- </span><span class=\"S3EA9 S27E S2\" id=\"t1z_181\">- </span><span class=\"S3EAA S27E S2\" id=\"t20_181\">- </span><span class=\"S3EAB S27E S2\" id=\"t21_181\">2.54% </span><span class=\"S3EAC S27E S2\" id=\"t22_181\">4.18% </span><span class=\"S3EAD S27E S2\" id=\"t23_181\">JPY </span><span class=\"S3EAE S27E S2\" id=\"t24_181\">Notional </span><span class=\"S3EAF S27E S2\" id=\"t25_181\">- </span><span class=\"S3EB0 S27E S2\" id=\"t26_181\">- </span><span class=\"S3EB1 S27E S2\" id=\"t27_181\">- </span><span class=\"S3EB2 S27E S2\" id=\"t28_181\">4,500 </span><span class=\"S3EB3 S27E S2\" id=\"t29_181\">- </span><span class=\"S3EB4 S27D S2\" id=\"t2a_181\">4,500 </span><span class=\"S3EB5 S27E S2\" id=\"t2b_181\">Average Interest Rate (%) </span><span class=\"S3EB6 S27E S2\" id=\"t2c_181\">- </span><span class=\"S3EB7 S27E S2\" id=\"t2d_181\">- </span><span class=\"S3EB8 S27E S2\" id=\"t2e_181\">- </span><span class=\"S3EB9 S27E S2\" id=\"t2f_181\">0.22% </span><span class=\"S3EBA S27E S2\" id=\"t2g_181\">- </span><span class=\"S3EBB S27D S2\" id=\"t2h_181\">Fair Value </span><span class=\"S3EBC S27D S2\" id=\"t2i_181\">Hedge </span><span class=\"S3EBD S27D S2\" id=\"t2j_181\">Foreign </span><span class=\"S3EBE S27D S2\" id=\"t2k_181\">exchange &amp; </span><span class=\"S3EBF S27D S2\" id=\"t2l_181\">Interest rate </span><span class=\"S3EC0 S27D S2\" id=\"t2m_181\">risk </span><span class=\"S3EC1 S27D S2\" id=\"t2n_181\">Cross currency interest rate </span><span class=\"S3EC2 S27D S2\" id=\"t2o_181\">swap </span><span class=\"S3EC3 S27E S2\" id=\"t2p_181\">EUR/HUF </span><span class=\"S3EC4 S27E S2\" id=\"t2q_181\">Notional </span><span class=\"S3EC5 S27E S2\" id=\"t2r_181\">- </span><span class=\"S3EC6 S27E S2\" id=\"t2s_181\">1 </span><span class=\"S3EC7 S27E S2\" id=\"t2t_181\">2 </span><span class=\"S3EC8 S27E S2\" id=\"t2u_181\">12 </span><span class=\"S3EC9 S27E S2\" id=\"t2v_181\">12 </span><span class=\"S3ECA S27D S2\" id=\"t2w_181\">27 </span><span class=\"S3ECB S27E S2\" id=\"t2x_181\">Average Interest Rate (%) </span><span class=\"S3ECC S27E S2\" id=\"t2y_181\">(1.64)% </span><span class=\"S3ECD S27E S2\" id=\"t2z_181\">(1.68)% </span><span class=\"S3ECE S27E S2\" id=\"t30_181\">(1.67)% </span><span class=\"S3ECF S27E S2\" id=\"t31_181\">(1.69)% </span><span class=\"S3ED0 S27E S2\" id=\"t32_181\">(1.82)% </span><span class=\"S3ED1 S27E S2\" id=\"t33_181\">Average FX Rate </span><span class=\"S3ED2 S27E S2\" id=\"t34_181\">310.41 </span><span class=\"S3ED3 S27E S2\" id=\"t35_181\">310.29 </span><span class=\"S3ED4 S27E S2\" id=\"t36_181\">310.26 </span><span class=\"S3ED5 S27E S2\" id=\"t37_181\">310.01 </span><span class=\"S3ED6 S27E S2\" id=\"t38_181\">307.81 </span><span class=\"S3B80 SB S2\" id=\"t5_182\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_182\">Types of hedge accounting [continued] </span><span class=\"S3DAB SB S2\" id=\"t7_182\">Amount, timing and uncertainty of future cash flows </span><span class=\"S3DAC S603 S2\" id=\"t8_182\">\u2013 </span><span class=\"S3E1A SB S2\" id=\"t9_182\">hedging instruments as at 31 December 2021 (in fx million) [continued] </span><span class=\"S3E6C S27D S2\" id=\"ta_182\">Type of hedge </span><span class=\"S3E6D S27D S2\" id=\"tb_182\">Type of risk </span><span class=\"S3E6E S27D S2\" id=\"tc_182\">Type of instrument </span><span class=\"S3E6F S27D S2\" id=\"td_182\">Within one </span><span class=\"S3E70 S27D S2\" id=\"te_182\">month </span><span class=\"S3E71 S27D S2\" id=\"tf_182\">Within three </span><span class=\"S3E72 S27D S2\" id=\"tg_182\">months and </span><span class=\"S3E73 S27D S2\" id=\"th_182\">over one </span><span class=\"S3E74 S27D S2\" id=\"ti_182\">month </span><span class=\"S3E75 S27D S2\" id=\"tj_182\">Within one </span><span class=\"S3E76 S27D S2\" id=\"tk_182\">year and over </span><span class=\"S3E77 S27D S2\" id=\"tl_182\">three months </span><span class=\"S3E78 S27D S2\" id=\"tm_182\">Within five </span><span class=\"S3E79 S27D S2\" id=\"tn_182\">years and </span><span class=\"S3E7A S27D S2\" id=\"to_182\">over one year </span><span class=\"S3E7B S27D S2\" id=\"tp_182\">More than </span><span class=\"S3E7C S27D S2\" id=\"tq_182\">five years </span><span class=\"S3E7D S27D S2\" id=\"tr_182\">Total </span><span class=\"S3E7E S27D S2\" id=\"ts_182\">Fair Value </span><span class=\"S3E7F S27D S2\" id=\"tt_182\">Hedge </span><span class=\"S3ED7 S27D S2\" id=\"tu_182\">Foreign </span><span class=\"S3ED8 S27D S2\" id=\"tv_182\">exchange risk </span><span class=\"S3ED9 S27D S2\" id=\"tw_182\">Cross currency interest rate </span><span class=\"S3EDA S27D S2\" id=\"tx_182\">swap </span><span class=\"S3EDB S27E S2\" id=\"ty_182\">EUR/HUF </span><span class=\"S3E84 S27E S2\" id=\"tz_182\">Notional </span><span class=\"S3E85 S27E S2\" id=\"t10_182\">- </span><span class=\"S3EDC S27E S2\" id=\"t11_182\">(6) </span><span class=\"S3EDD S27E S2\" id=\"t12_182\">35 </span><span class=\"S3EDE S27E S2\" id=\"t13_182\">572 </span><span class=\"S3EDF S27E S2\" id=\"t14_182\">- </span><span class=\"S3EE0 S27D S2\" id=\"t15_182\">601 </span><span class=\"S3EE1 S27E S2\" id=\"t16_182\">Average FX Rate </span><span class=\"S3EE2 S27E S2\" id=\"t17_182\">363.88 </span><span class=\"S3EE3 S27E S2\" id=\"t18_182\">354.22 </span><span class=\"S3EE4 S27E S2\" id=\"t19_182\">356.94 </span><span class=\"S3EE5 S27E S2\" id=\"t1a_182\">355.93 </span><span class=\"S3EE6 S27E S2\" id=\"t1b_182\">- </span><span class=\"S3EE7 S27E S2\" id=\"t1c_182\">RON/HUF </span><span class=\"S3E92 S27E S2\" id=\"t1d_182\">Notional </span><span class=\"S3E93 S27E S2\" id=\"t1e_182\">- </span><span class=\"S3E94 S27E S2\" id=\"t1f_182\">- </span><span class=\"S3EE8 S27E S2\" id=\"t1g_182\">200 </span><span class=\"S3EE9 S27E S2\" id=\"t1h_182\">2,225 </span><span class=\"S3EEA S27E S2\" id=\"t1i_182\">- </span><span class=\"S3EEB S27D S2\" id=\"t1j_182\">2,425 </span><span class=\"S3EEC S27E S2\" id=\"t1k_182\">Average FX Rate </span><span class=\"S3E9A S27E S2\" id=\"t1l_182\">- </span><span class=\"S3E9B S27E S2\" id=\"t1m_182\">- </span><span class=\"S3EED S27E S2\" id=\"t1n_182\">66.21 </span><span class=\"S3EEE S27E S2\" id=\"t1o_182\">73.08 </span><span class=\"S3EEF S27E S2\" id=\"t1p_182\">- </span><span class=\"S3EF0 S27E S2\" id=\"t1q_182\">RUB/HUF </span><span class=\"S3EA0 S27E S2\" id=\"t1r_182\">Notional </span><span class=\"S3EA1 S27E S2\" id=\"t1s_182\">- </span><span class=\"S3EA2 S27E S2\" id=\"t1t_182\">- </span><span class=\"S3EA3 S27E S2\" id=\"t1u_182\">- </span><span class=\"S3EF1 S27E S2\" id=\"t1v_182\">11,200 </span><span class=\"S3EF2 S27E S2\" id=\"t1w_182\">- </span><span class=\"S3EF3 S27D S2\" id=\"t1x_182\">11,200 </span><span class=\"S3EF4 S27E S2\" id=\"t1y_182\">Average FX Rate </span><span class=\"S3EA8 S27E S2\" id=\"t1z_182\">- </span><span class=\"S3EA9 S27E S2\" id=\"t20_182\">- </span><span class=\"S3EAA S27E S2\" id=\"t21_182\">- </span><span class=\"S3EF5 S27E S2\" id=\"t22_182\">4.15 </span><span class=\"S3EF6 S27E S2\" id=\"t23_182\">- </span><span class=\"S3EF7 S27E S2\" id=\"t24_182\">JPY/HUF </span><span class=\"S3EAE S27E S2\" id=\"t25_182\">Notional </span><span class=\"S3EAF S27E S2\" id=\"t26_182\">- </span><span class=\"S3EB0 S27E S2\" id=\"t27_182\">- </span><span class=\"S3EB1 S27E S2\" id=\"t28_182\">- </span><span class=\"S3EB2 S27E S2\" id=\"t29_182\">4,500 </span><span class=\"S3EB3 S27E S2\" id=\"t2a_182\">- </span><span class=\"S3EB4 S27D S2\" id=\"t2b_182\">4,500 </span><span class=\"S3EF8 S27E S2\" id=\"t2c_182\">Average FX Rate </span><span class=\"S3EB6 S27E S2\" id=\"t2d_182\">- </span><span class=\"S3EB7 S27E S2\" id=\"t2e_182\">- </span><span class=\"S3EB8 S27E S2\" id=\"t2f_182\">- </span><span class=\"S3EF9 S27E S2\" id=\"t2g_182\">2.79 </span><span class=\"S3EBA S27E S2\" id=\"t2h_182\">- </span><span class=\"S3EFA S27E S2\" id=\"t2i_182\">USD/HUF </span><span class=\"S3EFB S27E S2\" id=\"t2j_182\">Notional </span><span class=\"S3EFC S27E S2\" id=\"t2k_182\">- </span><span class=\"S3EFD S27E S2\" id=\"t2l_182\">- </span><span class=\"S3EFE S27E S2\" id=\"t2m_182\">(3) </span><span class=\"S3EFF S27E S2\" id=\"t2n_182\">306 </span><span class=\"S3F00 S27E S2\" id=\"t2o_182\">- </span><span class=\"S3F01 S27D S2\" id=\"t2p_182\">303 </span><span class=\"S3F02 S27E S2\" id=\"t2q_182\">Average FX Rate </span><span class=\"S3F03 S27E S2\" id=\"t2r_182\">- </span><span class=\"S3F04 S27E S2\" id=\"t2s_182\">323.77 </span><span class=\"S3F05 S27E S2\" id=\"t2t_182\">323.77 </span><span class=\"S3F06 S27E S2\" id=\"t2u_182\">323.77 </span><span class=\"S3F07 S27E S2\" id=\"t2v_182\">- </span><span class=\"S3F08 S27D S2\" id=\"t2w_182\">Other </span><span class=\"S3F09 S27D S2\" id=\"t2x_182\">Interest rate swap </span><span class=\"S3F0A S27E S2\" id=\"t2y_182\">HUF </span><span class=\"S3F0B S27E S2\" id=\"t2z_182\">Notional </span><span class=\"S3F0C S27E S2\" id=\"t30_182\">- </span><span class=\"S3F0D S27E S2\" id=\"t31_182\">3,345 </span><span class=\"S3F0E S27E S2\" id=\"t32_182\">1,823 </span><span class=\"S3F0F S27E S2\" id=\"t33_182\">3,093 </span><span class=\"S3F10 S27E S2\" id=\"t34_182\">- </span><span class=\"S3F11 S27D S2\" id=\"t35_182\">8,261 </span><span class=\"S3B80 SB S2\" id=\"t5_183\">48.3. </span><span class=\"S3F12 SB S2\" id=\"t6_183\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_183\">As at 31 December 2022 is as follows: </span><span class=\"S3F14 S27D S2\" id=\"t8_183\">Type of </span><span class=\"S3F15 S27D S2\" id=\"t9_183\">hedge </span><span class=\"S3F16 S27D S2\" id=\"ta_183\">Type of </span><span class=\"S3F17 S27D S2\" id=\"tb_183\">instrument </span><span class=\"S3F18 S27D S2\" id=\"tc_183\">Type of </span><span class=\"S3F19 S27D S2\" id=\"td_183\">risk </span><span class=\"S3F1A S27D S2\" id=\"te_183\">Nominal amount </span><span class=\"S3F1B S27D S2\" id=\"tf_183\">of the hedging </span><span class=\"S3F1C S27D S2\" id=\"tg_183\">instrument </span><span class=\"S3F1D S27D S2\" id=\"th_183\">Carrying amount of the hedging instrument as at 31 </span><span class=\"S3F1E S27D S2\" id=\"ti_183\">December 2022 </span><span class=\"S3F1F S27D S2\" id=\"tj_183\">Line item in the consolidated </span><span class=\"S3F20 S27D S2\" id=\"tk_183\">statement of financial position </span><span class=\"S3F21 S27D S2\" id=\"tl_183\">where the hedging instrument </span><span class=\"S3F22 S27D S2\" id=\"tm_183\">is located </span><span class=\"S3F23 S27D S2\" id=\"tn_183\">Changes in fair value </span><span class=\"S3F24 S27D S2\" id=\"to_183\">used for calculating </span><span class=\"S3F25 S27D S2\" id=\"tp_183\">hedge ineffectiveness </span><span class=\"S3F26 S27D S2\" id=\"tq_183\">for the six-month </span><span class=\"S3F27 S27D S2\" id=\"tr_183\">period ended as at 31 </span><span class=\"S3F28 S27D S2\" id=\"ts_183\">December 2022 </span><span class=\"S3F29 S27D S2\" id=\"tt_183\">Before netting </span><span class=\"S3F2A S27D S2\" id=\"tu_183\">Netting </span><span class=\"S3F2B S27D S2\" id=\"tv_183\">After netting </span><span class=\"S3F2C S27D S2\" id=\"tw_183\">Assets </span><span class=\"S3F2D S27D S2\" id=\"tx_183\">Liabilities </span><span class=\"S3F2E S27D S2\" id=\"ty_183\">Assets </span><span class=\"S3F2F S27D S2\" id=\"tz_183\">Liabilities </span><span class=\"S3F30 S27D S2\" id=\"t10_183\">Fair value </span><span class=\"S3F31 S27D S2\" id=\"t11_183\">hedge </span><span class=\"S3F32 S27E S2\" id=\"t12_183\">IRS </span><span class=\"S3F33 S27E S2\" id=\"t13_183\">Interest </span><span class=\"S3F34 S27E S2\" id=\"t14_183\">rate risk </span><span class=\"S3F35 S27E S2\" id=\"t15_183\">444,627 </span><span class=\"S3F36 S27E S2\" id=\"t16_183\">56,636 </span><span class=\"S3F37 S27E S2\" id=\"t17_183\">(37,258) </span><span class=\"S3F38 S27E S2\" id=\"t18_183\">30,938 </span><span class=\"S3F39 S27E S2\" id=\"t19_183\">25,698 </span><span class=\"S3F3A S27E S2\" id=\"t1a_183\">(6,320) </span><span class=\"S3F3B S27E S2\" id=\"t1b_183\">Derivative financial instruments </span><span class=\"S3F3C S27E S2\" id=\"t1c_183\">12,873 </span><span class=\"S3F3D S27E S2\" id=\"t1d_183\">designated as hedge </span><span class=\"S3F3E S27E S2\" id=\"t1e_183\">accounting </span><span class=\"S3F3F S27E S2\" id=\"t1f_183\">CCIRS </span><span class=\"S3F40 S27E S2\" id=\"t1g_183\">FX &amp; </span><span class=\"S3F41 S27E S2\" id=\"t1h_183\">IR risk </span><span class=\"S3F42 S27E S2\" id=\"t1i_183\">7,292 </span><span class=\"S3F43 S27E S2\" id=\"t1j_183\">- </span><span class=\"S3F44 S27E S2\" id=\"t1k_183\">(2,679) </span><span class=\"S3F45 S27E S2\" id=\"t1l_183\">- </span><span class=\"S3F46 S27E S2\" id=\"t1m_183\">- </span><span class=\"S3F47 S27E S2\" id=\"t1n_183\">(2,679) </span><span class=\"S3F48 S27E S2\" id=\"t1o_183\">Derivative financial instruments </span><span class=\"S3F49 S27E S2\" id=\"t1p_183\">3 </span><span class=\"S3F4A S27E S2\" id=\"t1q_183\">designated as hedge </span><span class=\"S3F4B S27E S2\" id=\"t1r_183\">accounting </span><span class=\"S3F4C S27E S2\" id=\"t1s_183\">CCIRS </span><span class=\"S3F4D S27E S2\" id=\"t1t_183\">FX risk </span><span class=\"S3F4E S27E S2\" id=\"t1u_183\">813,430 </span><span class=\"S3F4F S27E S2\" id=\"t1v_183\">20,732 </span><span class=\"S3F50 S27E S2\" id=\"t1w_183\">(2,719) </span><span class=\"S3F51 S27E S2\" id=\"t1x_183\">- </span><span class=\"S3F52 S27E S2\" id=\"t1y_183\">20,732 </span><span class=\"S3F53 S27E S2\" id=\"t1z_183\">(2,719) </span><span class=\"S3F54 S27E S2\" id=\"t20_183\">Derivative financial instruments </span><span class=\"S3F55 S27E S2\" id=\"t21_183\">(6,087) </span><span class=\"S3F56 S27E S2\" id=\"t22_183\">designated as hedge </span><span class=\"S3F57 S27E S2\" id=\"t23_183\">accounting </span><span class=\"S3F58 S27E S2\" id=\"t24_183\">FX swap </span><span class=\"S3F59 S27E S2\" id=\"t25_183\">FX risk </span><span class=\"S3F5A S27E S2\" id=\"t26_183\">290,982 </span><span class=\"S3F5B S27E S2\" id=\"t27_183\">1,696 </span><span class=\"S3F5C S27E S2\" id=\"t28_183\">(16,199) </span><span class=\"S3F5D S27E S2\" id=\"t29_183\">- </span><span class=\"S3F5E S27E S2\" id=\"t2a_183\">1,696 </span><span class=\"S3F5F S27E S2\" id=\"t2b_183\">(16,199) </span><span class=\"S3F60 S27E S2\" id=\"t2c_183\">Derivative financial instruments </span><span class=\"S3F61 S27E S2\" id=\"t2d_183\">- </span><span class=\"S3F62 S27E S2\" id=\"t2e_183\">designated as hedge </span><span class=\"S3F63 S27E S2\" id=\"t2f_183\">accounting </span><span class=\"S3F64 S27E S2\" id=\"t2g_183\">IRS </span><span class=\"S3F65 S27E S2\" id=\"t2h_183\">Other </span><span class=\"S3F66 S27E S2\" id=\"t2i_183\">5,584 </span><span class=\"S3F67 S27E S2\" id=\"t2j_183\">121 </span><span class=\"S3F68 S27E S2\" id=\"t2k_183\">(32) </span><span class=\"S3F69 S27E S2\" id=\"t2l_183\">- </span><span class=\"S3F6A S27E S2\" id=\"t2m_183\">121 </span><span class=\"S3F6B S27E S2\" id=\"t2n_183\">(32) </span><span class=\"S3F6C S27E S2\" id=\"t2o_183\">Derivative financial instruments </span><span class=\"S3F6D S27E S2\" id=\"t2p_183\">1 </span><span class=\"S3F6E S27E S2\" id=\"t2q_183\">designated as hedge </span><span class=\"S3F6F S27E S2\" id=\"t2r_183\">accounting </span><span class=\"S3F70 S27D S2\" id=\"t2s_183\">Fair value hedges total </span><span class=\"S3F71 S27D S2\" id=\"t2t_183\">1,561,915 </span><span class=\"S3F72 S27D S2\" id=\"t2u_183\">79,185 </span><span class=\"S3F73 S27D S2\" id=\"t2v_183\">(58,887) </span><span class=\"S3F74 S27D S2\" id=\"t2w_183\">30,938 </span><span class=\"S3F75 S27D S2\" id=\"t2x_183\">48,247 </span><span class=\"S3F76 S27D S2\" id=\"t2y_183\">(27,949) </span><span class=\"S3F77 S27D S2\" id=\"t2z_183\">6,790 </span><span class=\"S3B80 SB S2\" id=\"t5_184\">48.3. </span><span class=\"S3DAA SB S2\" id=\"t6_184\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_184\">As at 31 December 2021 is as follows: </span><span class=\"S3F14 S27D S2\" id=\"t8_184\">Type of </span><span class=\"S3F15 S27D S2\" id=\"t9_184\">hedge </span><span class=\"S3F16 S27D S2\" id=\"ta_184\">Type of </span><span class=\"S3F17 S27D S2\" id=\"tb_184\">instrument </span><span class=\"S3F18 S27D S2\" id=\"tc_184\">Type of </span><span class=\"S3F19 S27D S2\" id=\"td_184\">risk </span><span class=\"S3F1A S27D S2\" id=\"te_184\">Nominal amount </span><span class=\"S3F1B S27D S2\" id=\"tf_184\">of the hedging </span><span class=\"S3F1C S27D S2\" id=\"tg_184\">instrument </span><span class=\"S3F1D S27D S2\" id=\"th_184\">Carrying amount of the hedging instrument as at 31 </span><span class=\"S3F1E S27D S2\" id=\"ti_184\">December 2021 </span><span class=\"S3F1F S27D S2\" id=\"tj_184\">Line item in the consolidated </span><span class=\"S3F20 S27D S2\" id=\"tk_184\">statement of financial position </span><span class=\"S3F21 S27D S2\" id=\"tl_184\">where the hedging instrument </span><span class=\"S3F22 S27D S2\" id=\"tm_184\">is located </span><span class=\"S3F23 S27D S2\" id=\"tn_184\">Changes in fair value </span><span class=\"S3F24 S27D S2\" id=\"to_184\">used for calculating </span><span class=\"S3F25 S27D S2\" id=\"tp_184\">hedge ineffectiveness </span><span class=\"S3F78 S27D S2\" id=\"tq_184\">for the year ended as </span><span class=\"S3F79 S27D S2\" id=\"tr_184\">at 31 December 2021 </span><span class=\"S3F7A S27D S2\" id=\"ts_184\">Before netting </span><span class=\"S3F7B S27D S2\" id=\"tt_184\">Netting </span><span class=\"S3F7C S27D S2\" id=\"tu_184\">After netting </span><span class=\"S3F7D S27D S2\" id=\"tv_184\">Assets </span><span class=\"S3F7E S27D S2\" id=\"tw_184\">Liabilities </span><span class=\"S3F7F S27D S2\" id=\"tx_184\">Assets </span><span class=\"S3F80 S27D S2\" id=\"ty_184\">Liabilities </span><span class=\"S3F81 S27D S2\" id=\"tz_184\">Fair value </span><span class=\"S3F82 S27D S2\" id=\"t10_184\">hedge </span><span class=\"S3F83 S27E S2\" id=\"t11_184\">IRS </span><span class=\"S3F84 S27E S2\" id=\"t12_184\">Interest </span><span class=\"S3F33 S27E S2\" id=\"t13_184\">rate risk </span><span class=\"S3F85 S27E S2\" id=\"t14_184\">409,595 </span><span class=\"S3F86 S27E S2\" id=\"t15_184\">23,986 </span><span class=\"S3F87 S27E S2\" id=\"t16_184\">(17,908) </span><span class=\"S3F88 S27E S2\" id=\"t17_184\">12,131 </span><span class=\"S3F89 S27E S2\" id=\"t18_184\">11,855 </span><span class=\"S3F8A S27E S2\" id=\"t19_184\">(5,777) </span><span class=\"S3F8B S27E S2\" id=\"t1a_184\">Derivative financial instruments </span><span class=\"S3F8C S27E S2\" id=\"t1b_184\">6,494 </span><span class=\"S3F8D S27E S2\" id=\"t1c_184\">designated as hedge </span><span class=\"S3F8E S27E S2\" id=\"t1d_184\">accounting </span><span class=\"S3F8F S27E S2\" id=\"t1e_184\">CCIRS </span><span class=\"S3F90 S27E S2\" id=\"t1f_184\">FX &amp; </span><span class=\"S3F91 S27E S2\" id=\"t1g_184\">IR risk </span><span class=\"S3F92 S27E S2\" id=\"t1h_184\">8,175 </span><span class=\"SBEB S27E S2\" id=\"t1i_184\">- </span><span class=\"S3F93 S27E S2\" id=\"t1j_184\">(2,375) </span><span class=\"S3F94 S27E S2\" id=\"t1k_184\">- </span><span class=\"S3F95 S27E S2\" id=\"t1l_184\">- </span><span class=\"S3F96 S27E S2\" id=\"t1m_184\">(2,375) </span><span class=\"S3F97 S27E S2\" id=\"t1n_184\">Derivative financial instruments </span><span class=\"S3F98 S27E S2\" id=\"t1o_184\">4 </span><span class=\"S3F99 S27E S2\" id=\"t1p_184\">designated as hedge </span><span class=\"S3F9A S27E S2\" id=\"t1q_184\">accounting </span><span class=\"S3F9B S27E S2\" id=\"t1r_184\">CCIRS </span><span class=\"S3F9C S27E S2\" id=\"t1s_184\">FX risk </span><span class=\"S3F9D S27E S2\" id=\"t1t_184\">566,936 </span><span class=\"S3F9E S27E S2\" id=\"t1u_184\">5,471 </span><span class=\"S3F9F S27E S2\" id=\"t1v_184\">(3,076) </span><span class=\"S3FA0 S27E S2\" id=\"t1w_184\">- </span><span class=\"S3FA1 S27E S2\" id=\"t1x_184\">5,471 </span><span class=\"S3FA2 S27E S2\" id=\"t1y_184\">(3,076) </span><span class=\"S3FA3 S27E S2\" id=\"t1z_184\">Derivative financial instruments </span><span class=\"S3FA4 S27E S2\" id=\"t20_184\">(1,687) </span><span class=\"S3FA5 S27E S2\" id=\"t21_184\">designated as hedge </span><span class=\"S3FA6 S27E S2\" id=\"t22_184\">accounting </span><span class=\"S3FA7 S27E S2\" id=\"t23_184\">IRS </span><span class=\"S3FA8 S27E S2\" id=\"t24_184\">Other </span><span class=\"S3FA9 S27E S2\" id=\"t25_184\">8,261 </span><span class=\"S3FAA S27E S2\" id=\"t26_184\">1,431 </span><span class=\"S3FAB S27E S2\" id=\"t27_184\">- </span><span class=\"S3FAC S27E S2\" id=\"t28_184\">- </span><span class=\"S3FAD S27E S2\" id=\"t29_184\">1,431 </span><span class=\"S3FAE S27E S2\" id=\"t2a_184\">- </span><span class=\"S3FAF S27E S2\" id=\"t2b_184\">Derivative financial instruments </span><span class=\"S3FB0 S27E S2\" id=\"t2c_184\">3 </span><span class=\"S3FB1 S27E S2\" id=\"t2d_184\">designated as hedge </span><span class=\"S3FB2 S27E S2\" id=\"t2e_184\">accounting </span><span class=\"S3FB3 S27D S2\" id=\"t2f_184\">Fair value hedges total </span><span class=\"S3FB4 S27D S2\" id=\"t2g_184\">992,967 </span><span class=\"S3FB5 S27D S2\" id=\"t2h_184\">30,888 </span><span class=\"S3FB6 S27D S2\" id=\"t2i_184\">(23,359) </span><span class=\"S3FB7 S27D S2\" id=\"t2j_184\">12,131 </span><span class=\"S3FB8 S27D S2\" id=\"t2k_184\">18,757 </span><span class=\"S3FB9 S27D S2\" id=\"t2l_184\">(11,228) </span><span class=\"S3FBA S27D S2\" id=\"t2m_184\">4,814 </span><span class=\"S3FBB SB S2\" id=\"t5_185\">48.3.  Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t6_185\">As at 31 December 2022 is as follows: </span><span class=\"S3E6C S27D S2\" id=\"t7_185\">Type of hedge </span><span class=\"S3FBC S27D S2\" id=\"t8_185\">Type of risk </span><span class=\"S3FBD S27D S2\" id=\"t9_185\">Carrying amount of the </span><span class=\"S3FBE S27D S2\" id=\"ta_185\">hedged item as at 31 </span><span class=\"S3FBF S27D S2\" id=\"tb_185\">December 2022 </span><span class=\"S3FC0 S27D S2\" id=\"tc_185\">Amount of fair value hedge adjustments </span><span class=\"S3FC1 S27D S2\" id=\"td_185\">on the hedged item included in the </span><span class=\"S3FC2 S27D S2\" id=\"te_185\">carrying amount of the hedged item for </span><span class=\"S3FC3 S27D S2\" id=\"tf_185\">the year ended 31 December 2022 </span><span class=\"S3FC4 S27D S2\" id=\"tg_185\">Line item in the consolidated statement of </span><span class=\"S3FC5 S27D S2\" id=\"th_185\">financial position in which the hedged item is </span><span class=\"S3FC6 S27D S2\" id=\"ti_185\">included </span><span class=\"S3FC7 S27D S2\" id=\"tj_185\">Fair value hedges </span><span class=\"S3FC8 S27D S2\" id=\"tk_185\">Assets </span><span class=\"S3FC9 S27D S2\" id=\"tl_185\">Liabilities </span><span class=\"S3FCA S27D S2\" id=\"tm_185\">Assets </span><span class=\"S3FCB S27D S2\" id=\"tn_185\">Liabilities </span><span class=\"S3FCC S27E S2\" id=\"to_185\">- Loans </span><span class=\"S3FCD S27E S2\" id=\"tp_185\">Interest rate risk </span><span class=\"S3FCE S27E S2\" id=\"tq_185\">64,596 </span><span class=\"S3FCF S27E S2\" id=\"tr_185\">- </span><span class=\"S3FD0 S27E S2\" id=\"ts_185\">(5,033) </span><span class=\"S3FD1 S27E S2\" id=\"tt_185\">- </span><span class=\"S3FD2 S27E S2\" id=\"tu_185\">Loans </span><span class=\"S3FD3 S27E S2\" id=\"tv_185\">- Loans </span><span class=\"S3FD4 S27E S2\" id=\"tw_185\">Interest rate risk </span><span class=\"S3FD5 S27E S2\" id=\"tx_185\">- </span><span class=\"S3FD6 S27E S2\" id=\"ty_185\">143,208 </span><span class=\"S3FD7 S27E S2\" id=\"tz_185\">- </span><span class=\"S3FD8 S27E S2\" id=\"t10_185\">(34,149) </span><span class=\"S3FD9 S27E S2\" id=\"t11_185\">Amounts due to banks, the National Governments, </span><span class=\"S3FDA S27E S2\" id=\"t12_185\">deposits from the National Banks and other banks </span><span class=\"S3FDB S27E S2\" id=\"t13_185\">- Government bonds </span><span class=\"S3FDC S27E S2\" id=\"t14_185\">Interest rate risk </span><span class=\"S3FDD S27E S2\" id=\"t15_185\">14,814 </span><span class=\"S3FDE S27E S2\" id=\"t16_185\">- </span><span class=\"S3FDF S27E S2\" id=\"t17_185\">(4,601) </span><span class=\"S3FE0 S27E S2\" id=\"t18_185\">- </span><span class=\"S3FE1 S27E S2\" id=\"t19_185\">Securities at amortized cost </span><span class=\"S3FE2 S27E S2\" id=\"t1a_185\">- Government bonds </span><span class=\"S3FE3 S27E S2\" id=\"t1b_185\">Interest rate risk </span><span class=\"S3FE4 S27E S2\" id=\"t1c_185\">151,501 </span><span class=\"S3FE5 S27E S2\" id=\"t1d_185\">- </span><span class=\"S3FE6 S27E S2\" id=\"t1e_185\">(45,319) </span><span class=\"S3FE7 S27E S2\" id=\"t1f_185\">- </span><span class=\"S3FE8 S27E S2\" id=\"t1g_185\">Securities at fair value through </span><span class=\"S3FE9 S27E S2\" id=\"t1h_185\">other comprehensive income </span><span class=\"S3FEA S27E S2\" id=\"t1i_185\">- Government bonds </span><span class=\"S3FEB S27E S2\" id=\"t1j_185\">Interest rate risk </span><span class=\"S3FEC S27E S2\" id=\"t1k_185\">- </span><span class=\"S3FED S27E S2\" id=\"t1l_185\">- </span><span class=\"S3FEE S27E S2\" id=\"t1m_185\">- </span><span class=\"S3FEF S27E S2\" id=\"t1n_185\">- </span><span class=\"S3FF0 S27E S2\" id=\"t1o_185\">Financial assets at fair value </span><span class=\"S3FF1 S27E S2\" id=\"t1p_185\">through profit or loss </span><span class=\"S3FF2 S27E S2\" id=\"t1q_185\">- Other bonds </span><span class=\"S3FF3 S27E S2\" id=\"t1r_185\">Interest rate risk </span><span class=\"S3FF4 S27E S2\" id=\"t1s_185\">44,508 </span><span class=\"S3FF5 S27E S2\" id=\"t1t_185\">- </span><span class=\"S3FF6 S27E S2\" id=\"t1u_185\">(638) </span><span class=\"S3FF7 S27E S2\" id=\"t1v_185\">- </span><span class=\"S3FF8 S27E S2\" id=\"t1w_185\">Securities at fair value through </span><span class=\"S3FF9 S27E S2\" id=\"t1x_185\">other comprehensive income </span><span class=\"S3FFA S27E S2\" id=\"t1y_185\">- Other bonds </span><span class=\"S3FFB S27E S2\" id=\"t1z_185\">Interest rate risk </span><span class=\"S3FFC S27E S2\" id=\"t20_185\">- </span><span class=\"S3FFD S27E S2\" id=\"t21_185\">25,563 </span><span class=\"S3FFE S27E S2\" id=\"t22_185\">- </span><span class=\"S3FFF S27E S2\" id=\"t23_185\">448 </span><span class=\"S4000 S27E S2\" id=\"t24_185\">Liabilities from issued securities </span><span class=\"S4001 S27E S2\" id=\"t25_185\">- Loans </span><span class=\"S4002 S27E S2\" id=\"t26_185\">Foreign exchange &amp; </span><span class=\"S4003 S27E S2\" id=\"t27_185\">Interest rate risk </span><span class=\"S4004 S27E S2\" id=\"t28_185\">9,099 </span><span class=\"S4005 S27E S2\" id=\"t29_185\">- </span><span class=\"S4006 S27E S2\" id=\"t2a_185\">503 </span><span class=\"S4007 S27E S2\" id=\"t2b_185\">- </span><span class=\"S4008 S27E S2\" id=\"t2c_185\">Loans </span><span class=\"S4009 S27E S2\" id=\"t2d_185\">- Loans </span><span class=\"S400A S27E S2\" id=\"t2e_185\">Foreign exchange risk </span><span class=\"S400B S27E S2\" id=\"t2f_185\">716,841 </span><span class=\"S400C S27E S2\" id=\"t2g_185\">- </span><span class=\"S400D S27E S2\" id=\"t2h_185\">- </span><span class=\"S400E S27E S2\" id=\"t2i_185\">- </span><span class=\"S400F S27E S2\" id=\"t2j_185\">Loans </span><span class=\"S4010 S27E S2\" id=\"t2k_185\">- Government bonds </span><span class=\"S4011 S27E S2\" id=\"t2l_185\">Foreign exchange risk </span><span class=\"S4012 S27E S2\" id=\"t2m_185\">12,797 </span><span class=\"S4013 S27E S2\" id=\"t2n_185\">- </span><span class=\"S4014 S27E S2\" id=\"t2o_185\">- </span><span class=\"S4015 S27E S2\" id=\"t2p_185\">- </span><span class=\"S4016 S27E S2\" id=\"t2q_185\">Securities at fair value through </span><span class=\"S4017 S27E S2\" id=\"t2r_185\">other comprehensive income </span><span class=\"S4018 S27E S2\" id=\"t2s_185\">- Government bonds </span><span class=\"S4019 S27E S2\" id=\"t2t_185\">Foreign exchange risk </span><span class=\"S401A S27E S2\" id=\"t2u_185\">113,806 </span><span class=\"S401B S27E S2\" id=\"t2v_185\">- </span><span class=\"S401C S27E S2\" id=\"t2w_185\">- </span><span class=\"S401D S27E S2\" id=\"t2x_185\">- </span><span class=\"S401E S27E S2\" id=\"t2y_185\">Securities at amortized cost </span><span class=\"S401F S27E S2\" id=\"t2z_185\">- Other securities </span><span class=\"S4020 S27E S2\" id=\"t30_185\">Other risk </span><span class=\"S4021 S27E S2\" id=\"t31_185\">- </span><span class=\"S4022 S27E S2\" id=\"t32_185\">2,299 </span><span class=\"S4023 S27E S2\" id=\"t33_185\">- </span><span class=\"S4024 S27E S2\" id=\"t34_185\">(218) </span><span class=\"S4025 S27E S2\" id=\"t35_185\">Liabilities from issued securities </span><span class=\"S3F70 S27D S2\" id=\"t36_185\">Fair value hedges total </span><span class=\"S4026 S27D S2\" id=\"t37_185\">1,127,962 </span><span class=\"S4027 S27D S2\" id=\"t38_185\">171,070 </span><span class=\"S4028 S27D S2\" id=\"t39_185\">(55,088) </span><span class=\"S4029 S27D S2\" id=\"t3a_185\">(33,919) </span><span class=\"S3B80 SB S2\" id=\"t5_186\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_186\">Types of hedge accounting [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_186\">As at 31 December 2021 is as follows: </span><span class=\"S3E6C S27D S2\" id=\"t8_186\">Type of hedge </span><span class=\"S3FBC S27D S2\" id=\"t9_186\">Type of risk </span><span class=\"S402A S27D S2\" id=\"ta_186\">Carrying amount of the </span><span class=\"S3FBE S27D S2\" id=\"tb_186\">hedged item as at 31 </span><span class=\"S3FBF S27D S2\" id=\"tc_186\">December 2021 </span><span class=\"S3FC0 S27D S2\" id=\"td_186\">Amount of fair value hedge adjustments </span><span class=\"S3FC1 S27D S2\" id=\"te_186\">on the hedged item included in the </span><span class=\"S402B S27D S2\" id=\"tf_186\">carrying amount of the hedged item for </span><span class=\"S3FC3 S27D S2\" id=\"tg_186\">the year ended 31 December 2021 </span><span class=\"S3FC4 S27D S2\" id=\"th_186\">Line item in the consolidated statement of </span><span class=\"S402C S27D S2\" id=\"ti_186\">financial position in which the hedged item is </span><span class=\"S3FC6 S27D S2\" id=\"tj_186\">included </span><span class=\"S3FC7 S27D S2\" id=\"tk_186\">Fair value hedges </span><span class=\"S3FC8 S27D S2\" id=\"tl_186\">Assets </span><span class=\"S3FC9 S27D S2\" id=\"tm_186\">Liabilities </span><span class=\"S3FCA S27D S2\" id=\"tn_186\">Assets </span><span class=\"S3FCB S27D S2\" id=\"to_186\">Liabilities </span><span class=\"S3FCC S27E S2\" id=\"tp_186\">- Loans </span><span class=\"S3FCD S27E S2\" id=\"tq_186\">Interest rate risk </span><span class=\"S3FCE S27E S2\" id=\"tr_186\">57,176 </span><span class=\"S3FCF S27E S2\" id=\"ts_186\">- </span><span class=\"S402D S27E S2\" id=\"tt_186\">637 </span><span class=\"S3FD1 S27E S2\" id=\"tu_186\">- </span><span class=\"S3FD2 S27E S2\" id=\"tv_186\">Loans </span><span class=\"S3FD3 S27E S2\" id=\"tw_186\">- Loans </span><span class=\"S3FD4 S27E S2\" id=\"tx_186\">Interest rate risk </span><span class=\"S3FD5 S27E S2\" id=\"ty_186\">- </span><span class=\"S3FD6 S27E S2\" id=\"tz_186\">142,649 </span><span class=\"S3FD7 S27E S2\" id=\"t10_186\">- </span><span class=\"S3FD8 S27E S2\" id=\"t11_186\">(16,858) </span><span class=\"S3FD9 S27E S2\" id=\"t12_186\">Amounts due to banks, the National Governments, </span><span class=\"S402E S27E S2\" id=\"t13_186\">deposits from the National Banks and other banks </span><span class=\"S3FDB S27E S2\" id=\"t14_186\">- Government bonds </span><span class=\"S3FDC S27E S2\" id=\"t15_186\">Interest rate risk </span><span class=\"S3FDD S27E S2\" id=\"t16_186\">13,921 </span><span class=\"S3FDE S27E S2\" id=\"t17_186\">- </span><span class=\"S402F S27E S2\" id=\"t18_186\">1,230 </span><span class=\"S3FE0 S27E S2\" id=\"t19_186\">- </span><span class=\"S3FE1 S27E S2\" id=\"t1a_186\">Securities at amortized cost </span><span class=\"S3FE2 S27E S2\" id=\"t1b_186\">- Government bonds </span><span class=\"S3FE3 S27E S2\" id=\"t1c_186\">Interest rate risk </span><span class=\"S3FE4 S27E S2\" id=\"t1d_186\">152,830 </span><span class=\"S3FE5 S27E S2\" id=\"t1e_186\">- </span><span class=\"S4030 S27E S2\" id=\"t1f_186\">22,457 </span><span class=\"S3FE7 S27E S2\" id=\"t1g_186\">- </span><span class=\"S3FE8 S27E S2\" id=\"t1h_186\">Securities at fair value through </span><span class=\"S3FE9 S27E S2\" id=\"t1i_186\">other comprehensive income </span><span class=\"S4031 S27E S2\" id=\"t1j_186\">- Other bonds </span><span class=\"S3FEB S27E S2\" id=\"t1k_186\">Interest rate risk </span><span class=\"S4032 S27E S2\" id=\"t1l_186\">42,008 </span><span class=\"S3FED S27E S2\" id=\"t1m_186\">- </span><span class=\"S4033 S27E S2\" id=\"t1n_186\">318 </span><span class=\"S3FEF S27E S2\" id=\"t1o_186\">- </span><span class=\"S4034 S27E S2\" id=\"t1p_186\">Securities at fair value through </span><span class=\"S4035 S27E S2\" id=\"t1q_186\">other comprehensive income </span><span class=\"S4036 S27E S2\" id=\"t1r_186\">- Loans </span><span class=\"S4037 S27E S2\" id=\"t1s_186\">Foreign exchange &amp; </span><span class=\"S4038 S27E S2\" id=\"t1t_186\">Interest rate risk </span><span class=\"S4039 S27E S2\" id=\"t1u_186\">101,934 </span><span class=\"S403A S27E S2\" id=\"t1v_186\">- </span><span class=\"S403B S27E S2\" id=\"t1w_186\">611 </span><span class=\"S403C S27E S2\" id=\"t1x_186\">(1,114) </span><span class=\"S403D S27E S2\" id=\"t1y_186\">Loans </span><span class=\"S403E S27E S2\" id=\"t1z_186\">- Loans </span><span class=\"S403F S27E S2\" id=\"t20_186\">Foreign exchange risk </span><span class=\"S4040 S27E S2\" id=\"t21_186\">458,312 </span><span class=\"S4041 S27E S2\" id=\"t22_186\">- </span><span class=\"S3FFE S27E S2\" id=\"t23_186\">- </span><span class=\"S4042 S27E S2\" id=\"t24_186\">- </span><span class=\"S4043 S27E S2\" id=\"t25_186\">Loans </span><span class=\"S4044 S27E S2\" id=\"t26_186\">- Government bonds </span><span class=\"S4045 S27E S2\" id=\"t27_186\">Foreign exchange risk </span><span class=\"S4046 S27E S2\" id=\"t28_186\">12,811 </span><span class=\"S4047 S27E S2\" id=\"t29_186\">- </span><span class=\"S4048 S27E S2\" id=\"t2a_186\">- </span><span class=\"S4049 S27E S2\" id=\"t2b_186\">- </span><span class=\"S404A S27E S2\" id=\"t2c_186\">Securities at fair value through </span><span class=\"S404B S27E S2\" id=\"t2d_186\">other comprehensive income </span><span class=\"S404C S27E S2\" id=\"t2e_186\">- Government bonds </span><span class=\"S404D S27E S2\" id=\"t2f_186\">Foreign exchange risk </span><span class=\"S404E S27E S2\" id=\"t2g_186\">98,668 </span><span class=\"S400C S27E S2\" id=\"t2h_186\">- </span><span class=\"S400D S27E S2\" id=\"t2i_186\">- </span><span class=\"S400E S27E S2\" id=\"t2j_186\">- </span><span class=\"S404F S27E S2\" id=\"t2k_186\">Securities at amortized cost </span><span class=\"S4050 S27E S2\" id=\"t2l_186\">- Other securities </span><span class=\"S4051 S27E S2\" id=\"t2m_186\">Other risk </span><span class=\"S4052 S27E S2\" id=\"t2n_186\">- </span><span class=\"S4053 S27E S2\" id=\"t2o_186\">8,261 </span><span class=\"S4014 S27E S2\" id=\"t2p_186\">- </span><span class=\"S4054 S27E S2\" id=\"t2q_186\">(161) </span><span class=\"S4055 S27E S2\" id=\"t2r_186\">Liabilities from issued securities </span><span class=\"S4056 S27D S2\" id=\"t2s_186\">Fair value hedges total </span><span class=\"S4057 S27D S2\" id=\"t2t_186\">937,660 </span><span class=\"S4058 S27D S2\" id=\"t2u_186\">150,910 </span><span class=\"S4059 S27D S2\" id=\"t2v_186\">25,253 </span><span class=\"S405A S27D S2\" id=\"t2w_186\">(18,133) </span><span class=\"S3B80 SB S2\" id=\"t5_187\">48.3. </span><span class=\"S3C38 SB S2\" id=\"t6_187\">Types of hedge accounting [continued] </span><span class=\"S405B SA7 S2\" id=\"t7_187\">Change in basis swap spread recognised in the consolidated other comprehensive income related fair value hedges as follows: </span><span class=\"S405C S27D S2\" id=\"t8_187\">Type of risk </span><span class=\"S405D S27D S2\" id=\"t9_187\">Carrying amount of the hedged item </span><span class=\"S405E S27D S2\" id=\"ta_187\">Items recognized in the </span><span class=\"S405F S27D S2\" id=\"tb_187\">consolidated other comprehensive </span><span class=\"S4060 S27D S2\" id=\"tc_187\">income for the year ended 31 </span><span class=\"S4061 S27D S2\" id=\"td_187\">December 2022 </span><span class=\"S4062 S27D S2\" id=\"te_187\">Change in the items recognized in </span><span class=\"S4063 S27D S2\" id=\"tf_187\">other comprehensive income for </span><span class=\"S4064 S27D S2\" id=\"tg_187\">the year ended 31 December 2022 </span><span class=\"S4065 S27D S2\" id=\"th_187\">Line item in the consolidated </span><span class=\"S4066 S27D S2\" id=\"ti_187\">statement of financial position in </span><span class=\"S4067 S27D S2\" id=\"tj_187\">which the hedged item is included </span><span class=\"S4068 S27D S2\" id=\"tk_187\">Assets </span><span class=\"S4069 S27D S2\" id=\"tl_187\">Liabilities </span><span class=\"S406A S27E S2\" id=\"tm_187\">FX risk </span><span class=\"S406B S27E S2\" id=\"tn_187\">716,841 </span><span class=\"S406C S27E S2\" id=\"to_187\">- </span><span class=\"S406D S27E S2\" id=\"tp_187\">(363) </span><span class=\"S406E S27E S2\" id=\"tq_187\">605 </span><span class=\"S406F S27E S2\" id=\"tr_187\">Loans at amortised cost </span><span class=\"S4070 S27E S2\" id=\"ts_187\">FX risk </span><span class=\"S4071 S27E S2\" id=\"tt_187\">12,797 </span><span class=\"S4072 S27E S2\" id=\"tu_187\">- </span><span class=\"S4073 S27E S2\" id=\"tv_187\">(52) </span><span class=\"S4074 S27E S2\" id=\"tw_187\">- </span><span class=\"S4075 S27E S2\" id=\"tx_187\">Securities at fair value through </span><span class=\"S4076 S27E S2\" id=\"ty_187\">other comprehensive income </span><span class=\"S4077 S27D S2\" id=\"tz_187\">Total </span><span class=\"S4078 S27D S2\" id=\"t10_187\">729,638 </span><span class=\"S4079 S27D S2\" id=\"t11_187\">- </span><span class=\"S407A S27D S2\" id=\"t12_187\">(415) </span><span class=\"S407B S27D S2\" id=\"t13_187\">605 </span><span class=\"S407C S27D S2\" id=\"t14_187\">Type of risk </span><span class=\"S407D S27D S2\" id=\"t15_187\">Carrying amount of the hedged item </span><span class=\"S407E S27D S2\" id=\"t16_187\">Items recognised in the </span><span class=\"S407F S27D S2\" id=\"t17_187\">consolidated other comprehensive </span><span class=\"S4080 S27D S2\" id=\"t18_187\">income for the </span><span class=\"S4081 S27D S2\" id=\"t19_187\">year 2021 </span><span class=\"S4082 S27D S2\" id=\"t1a_187\">Change in the items recognized in </span><span class=\"S4083 S27D S2\" id=\"t1b_187\">other comprehensive income for </span><span class=\"S4084 S27D S2\" id=\"t1c_187\">the year 2021 </span><span class=\"S4085 S27D S2\" id=\"t1d_187\">Line item in the consolidated </span><span class=\"S4086 S27D S2\" id=\"t1e_187\">statement of financial position in </span><span class=\"S4087 S27D S2\" id=\"t1f_187\">which the hedged item is included </span><span class=\"S4088 S27D S2\" id=\"t1g_187\">Assets </span><span class=\"S4089 S27D S2\" id=\"t1h_187\">Liabilities </span><span class=\"S408A S27E S2\" id=\"t1i_187\">FX risk </span><span class=\"S408B S27E S2\" id=\"t1j_187\">458,312 </span><span class=\"S408C S27E S2\" id=\"t1k_187\">- </span><span class=\"S408D S27E S2\" id=\"t1l_187\">(1,032) </span><span class=\"S408E S27E S2\" id=\"t1m_187\">(1,681) </span><span class=\"S408F S27E S2\" id=\"t1n_187\">Loans at amortised cost </span><span class=\"S4090 S27E S2\" id=\"t1o_187\">FX risk </span><span class=\"S4091 S27E S2\" id=\"t1p_187\">12,811 </span><span class=\"S4092 S27E S2\" id=\"t1q_187\">- </span><span class=\"S4093 S27E S2\" id=\"t1r_187\">64 </span><span class=\"S4094 S27E S2\" id=\"t1s_187\">- </span><span class=\"S4095 S27E S2\" id=\"t1t_187\">Securities at fair value through </span><span class=\"S4096 S27E S2\" id=\"t1u_187\">other comprehensive income </span><span class=\"S4097 S27D S2\" id=\"t1v_187\">Total </span><span class=\"S4098 S27D S2\" id=\"t1w_187\">471,123 </span><span class=\"S4099 S27D S2\" id=\"t1x_187\">- </span><span class=\"S409A S27D S2\" id=\"t1y_187\">(968) </span><span class=\"S409B S27D S2\" id=\"t1z_187\">(1,681) </span><span class=\"S409C S5B9 S2\" id=\"t20_187\">On Group level there weren\u2019t any cash</span><span class=\"S409D SA7 S2\" id=\"t21_187\">-flow hedges for the year ended as at 31 December 2022 and 2021. </span><span class=\"S409E SA7 S2\" id=\"t22_187\">Neither at the end of 31 December 2022 nor at the end of 31 December 2021 regarding net investment hedges for foreign subsidi </span><span class=\"S409F S5B9 S2\" id=\"t23_187\">aries there aren\u2019t any disclosure requirements </span><span class=\"S40A0 SA7 S2\" id=\"t24_187\">to be presented. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9067": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_98\">NOTE 32: </span><span class=\"S584 SB S2\" id=\"t4_98\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) </span><span class=\"S1A35 SB S2\" id=\"t5_98\">Income from fees and commissions </span><span class=\"S19E2 SB S2\" id=\"t6_98\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_98\">2021 </span><span class=\"S1A36 SB S2\" id=\"t8_98\">Fees and commissions related to lending </span><span class=\"S1A37 S10A6 S2\" id=\"t9_98\">1 </span><span class=\"S1A38 SB S2\" id=\"ta_98\">43,179 </span><span class=\"S1A39 SB S2\" id=\"tb_98\">36,999 </span><span class=\"S1A3A SA7 S2\" id=\"tc_98\">Deposit and account maintenance </span><span class=\"S1A3B SA7 S2\" id=\"td_98\">fees and commissions </span><span class=\"S198B SA7 S2\" id=\"te_98\">251,684 </span><span class=\"S1A3C SA7 S2\" id=\"tf_98\">203,553 </span><span class=\"S1A3D SA7 S2\" id=\"tg_98\">Fees and commissions related to </span><span class=\"S1A3E SA7 S2\" id=\"th_98\">the issued bank cards </span><span class=\"S1A3F SA7 S2\" id=\"ti_98\">136,341 </span><span class=\"S1A40 SA7 S2\" id=\"tj_98\">99,766 </span><span class=\"S1A41 SA7 S2\" id=\"tk_98\">Currency exchange gains and losses </span><span class=\"S1A42 SA7 S2\" id=\"tl_98\">113,494 </span><span class=\"S14DE SA7 S2\" id=\"tm_98\">47,843 </span><span class=\"S1A43 SA7 S2\" id=\"tn_98\">Fees related to cash withdrawal </span><span class=\"S1A44 SA7 S2\" id=\"to_98\">61,738 </span><span class=\"S1A45 SA7 S2\" id=\"tp_98\">46,143 </span><span class=\"S1A46 SA7 S2\" id=\"tq_98\">Fees and commissions related </span><span class=\"S1A47 SA7 S2\" id=\"tr_98\">to security trading </span><span class=\"S1998 SA7 S2\" id=\"ts_98\">32,172 </span><span class=\"S1A48 SA7 S2\" id=\"tt_98\">30,224 </span><span class=\"S1A49 SA7 S2\" id=\"tu_98\">Fees and commissions related to fund management </span><span class=\"S1A4A SA7 S2\" id=\"tv_98\">29,906 </span><span class=\"S1A4B SA7 S2\" id=\"tw_98\">23,553 </span><span class=\"S1A4C SA7 S2\" id=\"tx_98\">Insurance fee income </span><span class=\"S1A4D SA7 S2\" id=\"ty_98\">19,588 </span><span class=\"S1A4E SA7 S2\" id=\"tz_98\">16,974 </span><span class=\"S1A4F SA7 S2\" id=\"t10_98\">Other </span><span class=\"S14E8 SA7 S2\" id=\"t11_98\">51,474 </span><span class=\"S14E9 SA7 S2\" id=\"t12_98\">49,058 </span><span class=\"S1A50 SB S2\" id=\"t13_98\">Fees and commissions from contracts with customers </span><span class=\"S1A51 SB S2\" id=\"t14_98\">696,397 </span><span class=\"S1A52 SB S2\" id=\"t15_98\">517,114 </span><span class=\"S1A53 SB S2\" id=\"t16_98\">Total </span><span class=\"S1A54 SB S2\" id=\"t17_98\">739,576 </span><span class=\"S1A55 SB S2\" id=\"t18_98\">554,113 </span><span class=\"S1A56 S482 S2\" id=\"t19_98\">1 </span><span class=\"S1A57 S1A84 S2\" id=\"t1a_98\">Such kinds of fees and commissions related to lending which aren\u2019t included in the effective interest rate calculation due to </span><span class=\"S1A58 S483 S2\" id=\"t1b_98\">their nature. </span><span class=\"S1A59 SB S2\" id=\"t1c_98\">Fee type </span><span class=\"S1A5A SB S2\" id=\"t1d_98\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A5B SB S2\" id=\"t1e_98\">payment terms </span><span class=\"S1A5C SB S2\" id=\"t1f_98\">Revenue recognition </span><span class=\"S1A5D SB S2\" id=\"t1g_98\">under IFRS 15 </span><span class=\"S1A5E SA7 S2\" id=\"t1h_98\">Deposit and </span><span class=\"S1A5F SA7 S2\" id=\"t1i_98\">account </span><span class=\"S1A60 SA7 S2\" id=\"t1j_98\">maintenance </span><span class=\"S1A61 SA7 S2\" id=\"t1k_98\">fees and </span><span class=\"S1A62 SA7 S2\" id=\"t1l_98\">commissions </span><span class=\"S1A63 SA7 S2\" id=\"t1m_98\">and fees </span><span class=\"S1A64 SA7 S2\" id=\"t1n_98\">related to cash </span><span class=\"S1A65 SA7 S2\" id=\"t1o_98\">withdrawal </span><span class=\"S1A66 SA7 S2\" id=\"t1p_98\">The Group provides a number of account management services for </span><span class=\"S1A67 SA7 S2\" id=\"t1q_98\">both retail and corporate customers in which they charge a fee. Fees </span><span class=\"S1A68 SA7 S2\" id=\"t1r_98\">related to these services can be typically account transaction fees </span><span class=\"S1A69 SA7 S2\" id=\"t1s_98\">(money transfer fees, direct debit fees, money standing order fees, </span><span class=\"S1A6A SA7 S2\" id=\"t1t_98\">etc.), internet banking fees (e.g. OTP Direct fee), account control fees </span><span class=\"S1A6B SA7 S2\" id=\"t1u_98\">(e.g. sms fee), or other fees for occasional services (account statement </span><span class=\"S1A6C SA7 S2\" id=\"t1v_98\">fees, other administration fees, etc.). </span><span class=\"S1A6D SA7 S2\" id=\"t1w_98\">Fees for ongoing account </span><span class=\"S1A6E SA7 S2\" id=\"t1x_98\">management services are </span><span class=\"S1A6F SA7 S2\" id=\"t1y_98\">charged on a monthly </span><span class=\"S1A70 SA7 S2\" id=\"t1z_98\">basis during the period </span><span class=\"S1A71 SA7 S2\" id=\"t20_98\">when they are provided. </span><span class=\"S1A72 SA7 S2\" id=\"t21_98\">Transaction-based </span><span class=\"S1A73 SA7 S2\" id=\"t22_98\">fees </span><span class=\"S1A74 SA7 S2\" id=\"t23_98\">are charged when the </span><span class=\"S1A75 SA7 S2\" id=\"t24_98\">transaction takes place or </span><span class=\"S1A76 SA7 S2\" id=\"t25_98\">charged monthly at the </span><span class=\"S1A77 SA7 S2\" id=\"t26_98\">end of the month. </span><span class=\"S1A78 SA7 S2\" id=\"t27_98\">Fees for ongoing account management services are charged to the </span><span class=\"S1A79 S5B9 S2\" id=\"t28_98\">customer\u2019s account on a monthly basis. The fees are commonly fixed </span><span class=\"S1A7A SA7 S2\" id=\"t29_98\">amounts that can be vary per account package and customer category. </span><span class=\"S1A7B SA7 S2\" id=\"t2a_98\">In the case of the transaction-based fees where the services include </span><span class=\"S1A7C SA7 S2\" id=\"t2b_98\">money transfer the fee is charged when the transaction takes place. The </span><span class=\"S1A7D SA7 S2\" id=\"t2c_98\">rate of the fee is typically determined in a certain % of the transaction </span><span class=\"S1A7E SA7 S2\" id=\"t2d_98\">amount. In the case of other transaction-based fees (e.g. SMS fee), the </span><span class=\"S1A7F SA7 S2\" id=\"t2e_98\">fee is settled monthly. </span><span class=\"S1A80 SA7 S2\" id=\"t2f_98\">In the case of occasional services, the Group basically charges the fees </span><span class=\"S1A81 SA7 S2\" id=\"t2g_98\">when the services are used by the customer. The fees can be fixed fees </span><span class=\"S1A82 SA7 S2\" id=\"t2h_98\">or they can be set in %. </span><span class=\"S1A83 SA7 S2\" id=\"t2i_98\">The rates are reviewed by the Group regularly. </span><span class=\"SFA4 SB S2\" id=\"t3_99\">NOTE 32: </span><span class=\"S1A85 SB S2\" id=\"t4_99\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) [continued] </span><span class=\"S1A86 SB S2\" id=\"t5_99\">Fee type </span><span class=\"S1A87 SB S2\" id=\"t6_99\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A88 SB S2\" id=\"t7_99\">payment terms </span><span class=\"S1A89 SB S2\" id=\"t8_99\">Revenue recognition </span><span class=\"S1A8A SB S2\" id=\"t9_99\">under IFRS 15 </span><span class=\"S1A8B SA7 S2\" id=\"ta_99\">Fees and </span><span class=\"S1A8C SA7 S2\" id=\"tb_99\">commission </span><span class=\"S1A8D SA7 S2\" id=\"tc_99\">related to the </span><span class=\"S1A8E SA7 S2\" id=\"td_99\">issued bank </span><span class=\"S1A8F SA7 S2\" id=\"te_99\">cards </span><span class=\"S1A90 SA7 S2\" id=\"tf_99\">The Group provides a variety of bank cards to its customers, for which </span><span class=\"S1A91 SA7 S2\" id=\"tg_99\">different fees are charged. The fees are basically charged in connection </span><span class=\"S1A92 SA7 S2\" id=\"th_99\">with the issuance of cards and the related card transactions. </span><span class=\"S1A93 SA7 S2\" id=\"ti_99\">Fees for ongoing services </span><span class=\"S1A94 SA7 S2\" id=\"tj_99\">are charged on a monthly </span><span class=\"S1A95 SA7 S2\" id=\"tk_99\">basis during the period </span><span class=\"S1A96 SA7 S2\" id=\"tl_99\">when they are provided. </span><span class=\"S1A97 SA7 S2\" id=\"tm_99\">Transaction-based </span><span class=\"S1A98 SA7 S2\" id=\"tn_99\">fees </span><span class=\"S1A99 SA7 S2\" id=\"to_99\">are charged when the </span><span class=\"S1A9A SA7 S2\" id=\"tp_99\">transaction takes place or </span><span class=\"S1A9B SA7 S2\" id=\"tq_99\">charged monthly at the </span><span class=\"S1A9C SA7 S2\" id=\"tr_99\">end of the month. </span><span class=\"S1A9D SA7 S2\" id=\"ts_99\">The annual fees of the cards are charged in advance in a fixed amount. </span><span class=\"S1A9E SA7 S2\" id=\"tt_99\">The amount of the annual card fee depends on the type of card. </span><span class=\"S1A9F SA7 S2\" id=\"tu_99\">In case of transaction-based fees (e.g. cash withdrawal/payment fee, </span><span class=\"S1AA0 SA7 S2\" id=\"tv_99\">merchant fee, interchange fee, etc.), the settlement of the fees will take </span><span class=\"S1AA1 SA7 S2\" id=\"tw_99\">place immediately after the transaction or on a monthly basis. The fee </span><span class=\"S1AA2 SA7 S2\" id=\"tx_99\">is typically determined in % of the transaction with a fixed minimum </span><span class=\"S1AA3 SA7 S2\" id=\"ty_99\">amount. </span><span class=\"S1AA4 SA7 S2\" id=\"tz_99\">For all other cases where the Group provides a continuous service to </span><span class=\"S1AA5 SA7 S2\" id=\"t10_99\">the customers (e.g. card closing fee), the fees are charged monthly. The </span><span class=\"S1AA6 SA7 S2\" id=\"t11_99\">fee is calculated in a fix amount. </span><span class=\"S1AA7 SA7 S2\" id=\"t12_99\">The rates are reviewed by the Group regularly. </span><span class=\"S1AA8 SA7 S2\" id=\"t13_99\">Fees and </span><span class=\"S1AA9 SA7 S2\" id=\"t14_99\">commissions </span><span class=\"S1AAA SA7 S2\" id=\"t15_99\">related to </span><span class=\"S1AAB SA7 S2\" id=\"t16_99\">security </span><span class=\"S1AAC SA7 S2\" id=\"t17_99\">account </span><span class=\"S1AAD SA7 S2\" id=\"t18_99\">management </span><span class=\"S1AAE SA7 S2\" id=\"t19_99\">services </span><span class=\"S1AAF SA7 S2\" id=\"t1a_99\">The Group provides its clients security account management services. </span><span class=\"S1AB0 SA7 S2\" id=\"t1b_99\">Fees will be charged for account management and transactions on </span><span class=\"S1AB1 SA7 S2\" id=\"t1c_99\">accounts. </span><span class=\"S1AB2 SA7 S2\" id=\"t1d_99\">Fees for ongoing services </span><span class=\"S1AB3 SA7 S2\" id=\"t1e_99\">are charged quarterly or </span><span class=\"S1AB4 SA7 S2\" id=\"t1f_99\">annually during the period </span><span class=\"S1AB5 SA7 S2\" id=\"t1g_99\">when they are provided. </span><span class=\"S1AB6 SA7 S2\" id=\"t1h_99\">The </span><span class=\"S1AB7 SA7 S2\" id=\"t1i_99\">fees </span><span class=\"S1AB8 SA7 S2\" id=\"t1j_99\">are </span><span class=\"S1AB9 SA7 S2\" id=\"t1k_99\">accrued </span><span class=\"S1ABA SA7 S2\" id=\"t1l_99\">monthly. </span><span class=\"S1ABB SA7 S2\" id=\"t1m_99\">Transaction-based </span><span class=\"S1ABC SA7 S2\" id=\"t1n_99\">fees </span><span class=\"S1ABD SA7 S2\" id=\"t1o_99\">are charged when the </span><span class=\"S1ABE SA7 S2\" id=\"t1p_99\">transaction takes place. </span><span class=\"S1ABF SA7 S2\" id=\"t1q_99\">Account management fees are typically charged quarterly or annually. </span><span class=\"S1AC0 SA7 S2\" id=\"t1r_99\">The amount is determined in %, based on the stocks of securities </span><span class=\"S1AC1 SA7 S2\" id=\"t1s_99\">managed by the clients on the account in a given period. </span><span class=\"S1AC2 SA7 S2\" id=\"t1t_99\">Fees for transactions on the securities account are charged immediately </span><span class=\"S1AC3 SA7 S2\" id=\"t1u_99\">after the transaction. They are determined in %, based on the </span><span class=\"S1AC4 SA7 S2\" id=\"t1v_99\">transaction amount. </span><span class=\"S1AC5 SA7 S2\" id=\"t1w_99\">Fees for complex services provided to clients (e.g. portfolio </span><span class=\"S1AC6 SA7 S2\" id=\"t1x_99\">management or custody) are typically charged monthly or annually. </span><span class=\"S1AC7 SA7 S2\" id=\"t1y_99\">The fees are fixed monthly amounts and in some cases a bonus fee are </span><span class=\"S1AC8 SA7 S2\" id=\"t1z_99\">charged. </span><span class=\"S1AC9 SA7 S2\" id=\"t20_99\">Fees and </span><span class=\"S1ACA SA7 S2\" id=\"t21_99\">commissions </span><span class=\"S1ACB SA7 S2\" id=\"t22_99\">related to fund </span><span class=\"S1ACC SA7 S2\" id=\"t23_99\">management </span><span class=\"S1ACD SA7 S2\" id=\"t24_99\">Fees from fund management services provided to investment funds </span><span class=\"S1ACE SA7 S2\" id=\"t25_99\">and from portfolio management provided to insurance companies, </span><span class=\"S1ACF SA7 S2\" id=\"t26_99\">funds. The fee income are calculated on the basis of net asset value of </span><span class=\"S1AD0 SA7 S2\" id=\"t27_99\">the portfolio and by the fee rates determined in the contracts about </span><span class=\"S1AD1 SA7 S2\" id=\"t28_99\">portfolio management. </span><span class=\"S1AD2 SA7 S2\" id=\"t29_99\">Fees for ongoing services </span><span class=\"S1AD3 SA7 S2\" id=\"t2a_99\">are charged usually on </span><span class=\"S1AD4 SA7 S2\" id=\"t2b_99\">monthly (mutual funds) or </span><span class=\"S1AD5 SA7 S2\" id=\"t2c_99\">semi-annually </span><span class=\"S1AD6 SA7 S2\" id=\"t2d_99\">(venture </span><span class=\"S1AD7 SA7 S2\" id=\"t2e_99\">capital funds) during the </span><span class=\"S1AD8 SA7 S2\" id=\"t2f_99\">period </span><span class=\"S1AD9 SA7 S2\" id=\"t2g_99\">when </span><span class=\"S1ADA SA7 S2\" id=\"t2h_99\">they </span><span class=\"S1ADB SA7 S2\" id=\"t2i_99\">are </span><span class=\"S1ADC SA7 S2\" id=\"t2j_99\">provided </span><span class=\"S1ADD SA7 S2\" id=\"t2k_99\">but </span><span class=\"S1ADE SA7 S2\" id=\"t2l_99\">accrued </span><span class=\"S1ADF SA7 S2\" id=\"t2m_99\">monthly. </span><span class=\"S1AE0 SA7 S2\" id=\"t2n_99\">Net insurance </span><span class=\"S1AE1 SA7 S2\" id=\"t2o_99\">fee income </span><span class=\"S1AE2 SA7 S2\" id=\"t2p_99\">Due to the fact that the Group rarely provides insurance services to its </span><span class=\"S1AE3 SA7 S2\" id=\"t2q_99\">clients, only acts as an agent, the fee income charged to the customers </span><span class=\"S1AE4 SA7 S2\" id=\"t2r_99\">and fees payable to the insurance company are presented net in the fee </span><span class=\"S1AE5 SA7 S2\" id=\"t2s_99\">income. </span><span class=\"S1AE6 SA7 S2\" id=\"t2t_99\">In addition, agency fee charged for the sale of insurance contracts is </span><span class=\"S1AE7 SA7 S2\" id=\"t2u_99\">also recorded in this line. The fee is charged on a monthly basis and </span><span class=\"S1AE8 SA7 S2\" id=\"t2v_99\">determined in %. </span><span class=\"S1AE9 SA7 S2\" id=\"t2w_99\">Fees for ongoing services </span><span class=\"S1AEA SA7 S2\" id=\"t2x_99\">are charged on a monthly </span><span class=\"S1AEB SA7 S2\" id=\"t2y_99\">basis during the period </span><span class=\"S1AEC SA7 S2\" id=\"t2z_99\">when they are provided. </span><span class=\"S1AED SA7 S2\" id=\"t30_99\">Other </span><span class=\"S1AEE SA7 S2\" id=\"t31_99\">Fees that are not significant in the Group total income are included in </span><span class=\"S1AEF SA7 S2\" id=\"t32_99\">Other fees category. Such fees are safe lease, special procedure fee, </span><span class=\"S1AF0 SA7 S2\" id=\"t33_99\">account rent fee, fee of a copy of document, etc. </span><span class=\"S1AF1 SA7 S2\" id=\"t34_99\">Other fees may include charges for continuous services or for ad hoc </span><span class=\"S1AF2 SA7 S2\" id=\"t35_99\">administration services. Continuous fees are charged monthly (e.g., </span><span class=\"S1AF3 SA7 S2\" id=\"t36_99\">safe lease fees) at the beginning of the period, typically at a fixed rate. </span><span class=\"S1AF4 SA7 S2\" id=\"t37_99\">Fees for ad hoc services are charged immediately after the service </span><span class=\"S1AF5 SA7 S2\" id=\"t38_99\">obligation were met, usually in a fixed amount. </span><span class=\"S1AF6 SA7 S2\" id=\"t39_99\">Fees for ongoing services </span><span class=\"S1AF7 SA7 S2\" id=\"t3a_99\">are charged on a monthly </span><span class=\"S1AF8 SA7 S2\" id=\"t3b_99\">basis during the period </span><span class=\"S1AF9 SA7 S2\" id=\"t3c_99\">when they are provided. </span><span class=\"S1AFA SA7 S2\" id=\"t3d_99\">Fees for ad hoc services </span><span class=\"S1AFB SA7 S2\" id=\"t3e_99\">are charged when the </span><span class=\"S1AFC SA7 S2\" id=\"t3f_99\">transaction takes place. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9068": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_98\">NOTE 32: </span><span class=\"S584 SB S2\" id=\"t4_98\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) </span><span class=\"S1A35 SB S2\" id=\"t5_98\">Income from fees and commissions </span><span class=\"S19E2 SB S2\" id=\"t6_98\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_98\">2021 </span><span class=\"S1A36 SB S2\" id=\"t8_98\">Fees and commissions related to lending </span><span class=\"S1A37 S10A6 S2\" id=\"t9_98\">1 </span><span class=\"S1A38 SB S2\" id=\"ta_98\">43,179 </span><span class=\"S1A39 SB S2\" id=\"tb_98\">36,999 </span><span class=\"S1A3A SA7 S2\" id=\"tc_98\">Deposit and account maintenance </span><span class=\"S1A3B SA7 S2\" id=\"td_98\">fees and commissions </span><span class=\"S198B SA7 S2\" id=\"te_98\">251,684 </span><span class=\"S1A3C SA7 S2\" id=\"tf_98\">203,553 </span><span class=\"S1A3D SA7 S2\" id=\"tg_98\">Fees and commissions related to </span><span class=\"S1A3E SA7 S2\" id=\"th_98\">the issued bank cards </span><span class=\"S1A3F SA7 S2\" id=\"ti_98\">136,341 </span><span class=\"S1A40 SA7 S2\" id=\"tj_98\">99,766 </span><span class=\"S1A41 SA7 S2\" id=\"tk_98\">Currency exchange gains and losses </span><span class=\"S1A42 SA7 S2\" id=\"tl_98\">113,494 </span><span class=\"S14DE SA7 S2\" id=\"tm_98\">47,843 </span><span class=\"S1A43 SA7 S2\" id=\"tn_98\">Fees related to cash withdrawal </span><span class=\"S1A44 SA7 S2\" id=\"to_98\">61,738 </span><span class=\"S1A45 SA7 S2\" id=\"tp_98\">46,143 </span><span class=\"S1A46 SA7 S2\" id=\"tq_98\">Fees and commissions related </span><span class=\"S1A47 SA7 S2\" id=\"tr_98\">to security trading </span><span class=\"S1998 SA7 S2\" id=\"ts_98\">32,172 </span><span class=\"S1A48 SA7 S2\" id=\"tt_98\">30,224 </span><span class=\"S1A49 SA7 S2\" id=\"tu_98\">Fees and commissions related to fund management </span><span class=\"S1A4A SA7 S2\" id=\"tv_98\">29,906 </span><span class=\"S1A4B SA7 S2\" id=\"tw_98\">23,553 </span><span class=\"S1A4C SA7 S2\" id=\"tx_98\">Insurance fee income </span><span class=\"S1A4D SA7 S2\" id=\"ty_98\">19,588 </span><span class=\"S1A4E SA7 S2\" id=\"tz_98\">16,974 </span><span class=\"S1A4F SA7 S2\" id=\"t10_98\">Other </span><span class=\"S14E8 SA7 S2\" id=\"t11_98\">51,474 </span><span class=\"S14E9 SA7 S2\" id=\"t12_98\">49,058 </span><span class=\"S1A50 SB S2\" id=\"t13_98\">Fees and commissions from contracts with customers </span><span class=\"S1A51 SB S2\" id=\"t14_98\">696,397 </span><span class=\"S1A52 SB S2\" id=\"t15_98\">517,114 </span><span class=\"S1A53 SB S2\" id=\"t16_98\">Total </span><span class=\"S1A54 SB S2\" id=\"t17_98\">739,576 </span><span class=\"S1A55 SB S2\" id=\"t18_98\">554,113 </span><span class=\"S1A56 S482 S2\" id=\"t19_98\">1 </span><span class=\"S1A57 S1A84 S2\" id=\"t1a_98\">Such kinds of fees and commissions related to lending which aren\u2019t included in the effective interest rate calculation due to </span><span class=\"S1A58 S483 S2\" id=\"t1b_98\">their nature. </span><span class=\"S1A59 SB S2\" id=\"t1c_98\">Fee type </span><span class=\"S1A5A SB S2\" id=\"t1d_98\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A5B SB S2\" id=\"t1e_98\">payment terms </span><span class=\"S1A5C SB S2\" id=\"t1f_98\">Revenue recognition </span><span class=\"S1A5D SB S2\" id=\"t1g_98\">under IFRS 15 </span><span class=\"S1A5E SA7 S2\" id=\"t1h_98\">Deposit and </span><span class=\"S1A5F SA7 S2\" id=\"t1i_98\">account </span><span class=\"S1A60 SA7 S2\" id=\"t1j_98\">maintenance </span><span class=\"S1A61 SA7 S2\" id=\"t1k_98\">fees and </span><span class=\"S1A62 SA7 S2\" id=\"t1l_98\">commissions </span><span class=\"S1A63 SA7 S2\" id=\"t1m_98\">and fees </span><span class=\"S1A64 SA7 S2\" id=\"t1n_98\">related to cash </span><span class=\"S1A65 SA7 S2\" id=\"t1o_98\">withdrawal </span><span class=\"S1A66 SA7 S2\" id=\"t1p_98\">The Group provides a number of account management services for </span><span class=\"S1A67 SA7 S2\" id=\"t1q_98\">both retail and corporate customers in which they charge a fee. Fees </span><span class=\"S1A68 SA7 S2\" id=\"t1r_98\">related to these services can be typically account transaction fees </span><span class=\"S1A69 SA7 S2\" id=\"t1s_98\">(money transfer fees, direct debit fees, money standing order fees, </span><span class=\"S1A6A SA7 S2\" id=\"t1t_98\">etc.), internet banking fees (e.g. OTP Direct fee), account control fees </span><span class=\"S1A6B SA7 S2\" id=\"t1u_98\">(e.g. sms fee), or other fees for occasional services (account statement </span><span class=\"S1A6C SA7 S2\" id=\"t1v_98\">fees, other administration fees, etc.). </span><span class=\"S1A6D SA7 S2\" id=\"t1w_98\">Fees for ongoing account </span><span class=\"S1A6E SA7 S2\" id=\"t1x_98\">management services are </span><span class=\"S1A6F SA7 S2\" id=\"t1y_98\">charged on a monthly </span><span class=\"S1A70 SA7 S2\" id=\"t1z_98\">basis during the period </span><span class=\"S1A71 SA7 S2\" id=\"t20_98\">when they are provided. </span><span class=\"S1A72 SA7 S2\" id=\"t21_98\">Transaction-based </span><span class=\"S1A73 SA7 S2\" id=\"t22_98\">fees </span><span class=\"S1A74 SA7 S2\" id=\"t23_98\">are charged when the </span><span class=\"S1A75 SA7 S2\" id=\"t24_98\">transaction takes place or </span><span class=\"S1A76 SA7 S2\" id=\"t25_98\">charged monthly at the </span><span class=\"S1A77 SA7 S2\" id=\"t26_98\">end of the month. </span><span class=\"S1A78 SA7 S2\" id=\"t27_98\">Fees for ongoing account management services are charged to the </span><span class=\"S1A79 S5B9 S2\" id=\"t28_98\">customer\u2019s account on a monthly basis. The fees are commonly fixed </span><span class=\"S1A7A SA7 S2\" id=\"t29_98\">amounts that can be vary per account package and customer category. </span><span class=\"S1A7B SA7 S2\" id=\"t2a_98\">In the case of the transaction-based fees where the services include </span><span class=\"S1A7C SA7 S2\" id=\"t2b_98\">money transfer the fee is charged when the transaction takes place. The </span><span class=\"S1A7D SA7 S2\" id=\"t2c_98\">rate of the fee is typically determined in a certain % of the transaction </span><span class=\"S1A7E SA7 S2\" id=\"t2d_98\">amount. In the case of other transaction-based fees (e.g. SMS fee), the </span><span class=\"S1A7F SA7 S2\" id=\"t2e_98\">fee is settled monthly. </span><span class=\"S1A80 SA7 S2\" id=\"t2f_98\">In the case of occasional services, the Group basically charges the fees </span><span class=\"S1A81 SA7 S2\" id=\"t2g_98\">when the services are used by the customer. The fees can be fixed fees </span><span class=\"S1A82 SA7 S2\" id=\"t2h_98\">or they can be set in %. </span><span class=\"S1A83 SA7 S2\" id=\"t2i_98\">The rates are reviewed by the Group regularly. </span><span class=\"SFA4 SB S2\" id=\"t3_99\">NOTE 32: </span><span class=\"S1A85 SB S2\" id=\"t4_99\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) [continued] </span><span class=\"S1A86 SB S2\" id=\"t5_99\">Fee type </span><span class=\"S1A87 SB S2\" id=\"t6_99\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A88 SB S2\" id=\"t7_99\">payment terms </span><span class=\"S1A89 SB S2\" id=\"t8_99\">Revenue recognition </span><span class=\"S1A8A SB S2\" id=\"t9_99\">under IFRS 15 </span><span class=\"S1A8B SA7 S2\" id=\"ta_99\">Fees and </span><span class=\"S1A8C SA7 S2\" id=\"tb_99\">commission </span><span class=\"S1A8D SA7 S2\" id=\"tc_99\">related to the </span><span class=\"S1A8E SA7 S2\" id=\"td_99\">issued bank </span><span class=\"S1A8F SA7 S2\" id=\"te_99\">cards </span><span class=\"S1A90 SA7 S2\" id=\"tf_99\">The Group provides a variety of bank cards to its customers, for which </span><span class=\"S1A91 SA7 S2\" id=\"tg_99\">different fees are charged. The fees are basically charged in connection </span><span class=\"S1A92 SA7 S2\" id=\"th_99\">with the issuance of cards and the related card transactions. </span><span class=\"S1A93 SA7 S2\" id=\"ti_99\">Fees for ongoing services </span><span class=\"S1A94 SA7 S2\" id=\"tj_99\">are charged on a monthly </span><span class=\"S1A95 SA7 S2\" id=\"tk_99\">basis during the period </span><span class=\"S1A96 SA7 S2\" id=\"tl_99\">when they are provided. </span><span class=\"S1A97 SA7 S2\" id=\"tm_99\">Transaction-based </span><span class=\"S1A98 SA7 S2\" id=\"tn_99\">fees </span><span class=\"S1A99 SA7 S2\" id=\"to_99\">are charged when the </span><span class=\"S1A9A SA7 S2\" id=\"tp_99\">transaction takes place or </span><span class=\"S1A9B SA7 S2\" id=\"tq_99\">charged monthly at the </span><span class=\"S1A9C SA7 S2\" id=\"tr_99\">end of the month. </span><span class=\"S1A9D SA7 S2\" id=\"ts_99\">The annual fees of the cards are charged in advance in a fixed amount. </span><span class=\"S1A9E SA7 S2\" id=\"tt_99\">The amount of the annual card fee depends on the type of card. </span><span class=\"S1A9F SA7 S2\" id=\"tu_99\">In case of transaction-based fees (e.g. cash withdrawal/payment fee, </span><span class=\"S1AA0 SA7 S2\" id=\"tv_99\">merchant fee, interchange fee, etc.), the settlement of the fees will take </span><span class=\"S1AA1 SA7 S2\" id=\"tw_99\">place immediately after the transaction or on a monthly basis. The fee </span><span class=\"S1AA2 SA7 S2\" id=\"tx_99\">is typically determined in % of the transaction with a fixed minimum </span><span class=\"S1AA3 SA7 S2\" id=\"ty_99\">amount. </span><span class=\"S1AA4 SA7 S2\" id=\"tz_99\">For all other cases where the Group provides a continuous service to </span><span class=\"S1AA5 SA7 S2\" id=\"t10_99\">the customers (e.g. card closing fee), the fees are charged monthly. The </span><span class=\"S1AA6 SA7 S2\" id=\"t11_99\">fee is calculated in a fix amount. </span><span class=\"S1AA7 SA7 S2\" id=\"t12_99\">The rates are reviewed by the Group regularly. </span><span class=\"S1AA8 SA7 S2\" id=\"t13_99\">Fees and </span><span class=\"S1AA9 SA7 S2\" id=\"t14_99\">commissions </span><span class=\"S1AAA SA7 S2\" id=\"t15_99\">related to </span><span class=\"S1AAB SA7 S2\" id=\"t16_99\">security </span><span class=\"S1AAC SA7 S2\" id=\"t17_99\">account </span><span class=\"S1AAD SA7 S2\" id=\"t18_99\">management </span><span class=\"S1AAE SA7 S2\" id=\"t19_99\">services </span><span class=\"S1AAF SA7 S2\" id=\"t1a_99\">The Group provides its clients security account management services. </span><span class=\"S1AB0 SA7 S2\" id=\"t1b_99\">Fees will be charged for account management and transactions on </span><span class=\"S1AB1 SA7 S2\" id=\"t1c_99\">accounts. </span><span class=\"S1AB2 SA7 S2\" id=\"t1d_99\">Fees for ongoing services </span><span class=\"S1AB3 SA7 S2\" id=\"t1e_99\">are charged quarterly or </span><span class=\"S1AB4 SA7 S2\" id=\"t1f_99\">annually during the period </span><span class=\"S1AB5 SA7 S2\" id=\"t1g_99\">when they are provided. </span><span class=\"S1AB6 SA7 S2\" id=\"t1h_99\">The </span><span class=\"S1AB7 SA7 S2\" id=\"t1i_99\">fees </span><span class=\"S1AB8 SA7 S2\" id=\"t1j_99\">are </span><span class=\"S1AB9 SA7 S2\" id=\"t1k_99\">accrued </span><span class=\"S1ABA SA7 S2\" id=\"t1l_99\">monthly. </span><span class=\"S1ABB SA7 S2\" id=\"t1m_99\">Transaction-based </span><span class=\"S1ABC SA7 S2\" id=\"t1n_99\">fees </span><span class=\"S1ABD SA7 S2\" id=\"t1o_99\">are charged when the </span><span class=\"S1ABE SA7 S2\" id=\"t1p_99\">transaction takes place. </span><span class=\"S1ABF SA7 S2\" id=\"t1q_99\">Account management fees are typically charged quarterly or annually. </span><span class=\"S1AC0 SA7 S2\" id=\"t1r_99\">The amount is determined in %, based on the stocks of securities </span><span class=\"S1AC1 SA7 S2\" id=\"t1s_99\">managed by the clients on the account in a given period. </span><span class=\"S1AC2 SA7 S2\" id=\"t1t_99\">Fees for transactions on the securities account are charged immediately </span><span class=\"S1AC3 SA7 S2\" id=\"t1u_99\">after the transaction. They are determined in %, based on the </span><span class=\"S1AC4 SA7 S2\" id=\"t1v_99\">transaction amount. </span><span class=\"S1AC5 SA7 S2\" id=\"t1w_99\">Fees for complex services provided to clients (e.g. portfolio </span><span class=\"S1AC6 SA7 S2\" id=\"t1x_99\">management or custody) are typically charged monthly or annually. </span><span class=\"S1AC7 SA7 S2\" id=\"t1y_99\">The fees are fixed monthly amounts and in some cases a bonus fee are </span><span class=\"S1AC8 SA7 S2\" id=\"t1z_99\">charged. </span><span class=\"S1AC9 SA7 S2\" id=\"t20_99\">Fees and </span><span class=\"S1ACA SA7 S2\" id=\"t21_99\">commissions </span><span class=\"S1ACB SA7 S2\" id=\"t22_99\">related to fund </span><span class=\"S1ACC SA7 S2\" id=\"t23_99\">management </span><span class=\"S1ACD SA7 S2\" id=\"t24_99\">Fees from fund management services provided to investment funds </span><span class=\"S1ACE SA7 S2\" id=\"t25_99\">and from portfolio management provided to insurance companies, </span><span class=\"S1ACF SA7 S2\" id=\"t26_99\">funds. The fee income are calculated on the basis of net asset value of </span><span class=\"S1AD0 SA7 S2\" id=\"t27_99\">the portfolio and by the fee rates determined in the contracts about </span><span class=\"S1AD1 SA7 S2\" id=\"t28_99\">portfolio management. </span><span class=\"S1AD2 SA7 S2\" id=\"t29_99\">Fees for ongoing services </span><span class=\"S1AD3 SA7 S2\" id=\"t2a_99\">are charged usually on </span><span class=\"S1AD4 SA7 S2\" id=\"t2b_99\">monthly (mutual funds) or </span><span class=\"S1AD5 SA7 S2\" id=\"t2c_99\">semi-annually </span><span class=\"S1AD6 SA7 S2\" id=\"t2d_99\">(venture </span><span class=\"S1AD7 SA7 S2\" id=\"t2e_99\">capital funds) during the </span><span class=\"S1AD8 SA7 S2\" id=\"t2f_99\">period </span><span class=\"S1AD9 SA7 S2\" id=\"t2g_99\">when </span><span class=\"S1ADA SA7 S2\" id=\"t2h_99\">they </span><span class=\"S1ADB SA7 S2\" id=\"t2i_99\">are </span><span class=\"S1ADC SA7 S2\" id=\"t2j_99\">provided </span><span class=\"S1ADD SA7 S2\" id=\"t2k_99\">but </span><span class=\"S1ADE SA7 S2\" id=\"t2l_99\">accrued </span><span class=\"S1ADF SA7 S2\" id=\"t2m_99\">monthly. </span><span class=\"S1AE0 SA7 S2\" id=\"t2n_99\">Net insurance </span><span class=\"S1AE1 SA7 S2\" id=\"t2o_99\">fee income </span><span class=\"S1AE2 SA7 S2\" id=\"t2p_99\">Due to the fact that the Group rarely provides insurance services to its </span><span class=\"S1AE3 SA7 S2\" id=\"t2q_99\">clients, only acts as an agent, the fee income charged to the customers </span><span class=\"S1AE4 SA7 S2\" id=\"t2r_99\">and fees payable to the insurance company are presented net in the fee </span><span class=\"S1AE5 SA7 S2\" id=\"t2s_99\">income. </span><span class=\"S1AE6 SA7 S2\" id=\"t2t_99\">In addition, agency fee charged for the sale of insurance contracts is </span><span class=\"S1AE7 SA7 S2\" id=\"t2u_99\">also recorded in this line. The fee is charged on a monthly basis and </span><span class=\"S1AE8 SA7 S2\" id=\"t2v_99\">determined in %. </span><span class=\"S1AE9 SA7 S2\" id=\"t2w_99\">Fees for ongoing services </span><span class=\"S1AEA SA7 S2\" id=\"t2x_99\">are charged on a monthly </span><span class=\"S1AEB SA7 S2\" id=\"t2y_99\">basis during the period </span><span class=\"S1AEC SA7 S2\" id=\"t2z_99\">when they are provided. </span><span class=\"S1AED SA7 S2\" id=\"t30_99\">Other </span><span class=\"S1AEE SA7 S2\" id=\"t31_99\">Fees that are not significant in the Group total income are included in </span><span class=\"S1AEF SA7 S2\" id=\"t32_99\">Other fees category. Such fees are safe lease, special procedure fee, </span><span class=\"S1AF0 SA7 S2\" id=\"t33_99\">account rent fee, fee of a copy of document, etc. </span><span class=\"S1AF1 SA7 S2\" id=\"t34_99\">Other fees may include charges for continuous services or for ad hoc </span><span class=\"S1AF2 SA7 S2\" id=\"t35_99\">administration services. Continuous fees are charged monthly (e.g., </span><span class=\"S1AF3 SA7 S2\" id=\"t36_99\">safe lease fees) at the beginning of the period, typically at a fixed rate. </span><span class=\"S1AF4 SA7 S2\" id=\"t37_99\">Fees for ad hoc services are charged immediately after the service </span><span class=\"S1AF5 SA7 S2\" id=\"t38_99\">obligation were met, usually in a fixed amount. </span><span class=\"S1AF6 SA7 S2\" id=\"t39_99\">Fees for ongoing services </span><span class=\"S1AF7 SA7 S2\" id=\"t3a_99\">are charged on a monthly </span><span class=\"S1AF8 SA7 S2\" id=\"t3b_99\">basis during the period </span><span class=\"S1AF9 SA7 S2\" id=\"t3c_99\">when they are provided. </span><span class=\"S1AFA SA7 S2\" id=\"t3d_99\">Fees for ad hoc services </span><span class=\"S1AFB SA7 S2\" id=\"t3e_99\">are charged when the </span><span class=\"S1AFC SA7 S2\" id=\"t3f_99\">transaction takes place. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9069": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_98\">NOTE 32: </span><span class=\"S584 SB S2\" id=\"t4_98\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) </span><span class=\"S1A35 SB S2\" id=\"t5_98\">Income from fees and commissions </span><span class=\"S19E2 SB S2\" id=\"t6_98\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_98\">2021 </span><span class=\"S1A36 SB S2\" id=\"t8_98\">Fees and commissions related to lending </span><span class=\"S1A37 S10A6 S2\" id=\"t9_98\">1 </span><span class=\"S1A38 SB S2\" id=\"ta_98\">43,179 </span><span class=\"S1A39 SB S2\" id=\"tb_98\">36,999 </span><span class=\"S1A3A SA7 S2\" id=\"tc_98\">Deposit and account maintenance </span><span class=\"S1A3B SA7 S2\" id=\"td_98\">fees and commissions </span><span class=\"S198B SA7 S2\" id=\"te_98\">251,684 </span><span class=\"S1A3C SA7 S2\" id=\"tf_98\">203,553 </span><span class=\"S1A3D SA7 S2\" id=\"tg_98\">Fees and commissions related to </span><span class=\"S1A3E SA7 S2\" id=\"th_98\">the issued bank cards </span><span class=\"S1A3F SA7 S2\" id=\"ti_98\">136,341 </span><span class=\"S1A40 SA7 S2\" id=\"tj_98\">99,766 </span><span class=\"S1A41 SA7 S2\" id=\"tk_98\">Currency exchange gains and losses </span><span class=\"S1A42 SA7 S2\" id=\"tl_98\">113,494 </span><span class=\"S14DE SA7 S2\" id=\"tm_98\">47,843 </span><span class=\"S1A43 SA7 S2\" id=\"tn_98\">Fees related to cash withdrawal </span><span class=\"S1A44 SA7 S2\" id=\"to_98\">61,738 </span><span class=\"S1A45 SA7 S2\" id=\"tp_98\">46,143 </span><span class=\"S1A46 SA7 S2\" id=\"tq_98\">Fees and commissions related </span><span class=\"S1A47 SA7 S2\" id=\"tr_98\">to security trading </span><span class=\"S1998 SA7 S2\" id=\"ts_98\">32,172 </span><span class=\"S1A48 SA7 S2\" id=\"tt_98\">30,224 </span><span class=\"S1A49 SA7 S2\" id=\"tu_98\">Fees and commissions related to fund management </span><span class=\"S1A4A SA7 S2\" id=\"tv_98\">29,906 </span><span class=\"S1A4B SA7 S2\" id=\"tw_98\">23,553 </span><span class=\"S1A4C SA7 S2\" id=\"tx_98\">Insurance fee income </span><span class=\"S1A4D SA7 S2\" id=\"ty_98\">19,588 </span><span class=\"S1A4E SA7 S2\" id=\"tz_98\">16,974 </span><span class=\"S1A4F SA7 S2\" id=\"t10_98\">Other </span><span class=\"S14E8 SA7 S2\" id=\"t11_98\">51,474 </span><span class=\"S14E9 SA7 S2\" id=\"t12_98\">49,058 </span><span class=\"S1A50 SB S2\" id=\"t13_98\">Fees and commissions from contracts with customers </span><span class=\"S1A51 SB S2\" id=\"t14_98\">696,397 </span><span class=\"S1A52 SB S2\" id=\"t15_98\">517,114 </span><span class=\"S1A53 SB S2\" id=\"t16_98\">Total </span><span class=\"S1A54 SB S2\" id=\"t17_98\">739,576 </span><span class=\"S1A55 SB S2\" id=\"t18_98\">554,113 </span><span class=\"S1A56 S482 S2\" id=\"t19_98\">1 </span><span class=\"S1A57 S1A84 S2\" id=\"t1a_98\">Such kinds of fees and commissions related to lending which aren\u2019t included in the effective interest rate calculation due to </span><span class=\"S1A58 S483 S2\" id=\"t1b_98\">their nature. </span><span class=\"S1A59 SB S2\" id=\"t1c_98\">Fee type </span><span class=\"S1A5A SB S2\" id=\"t1d_98\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A5B SB S2\" id=\"t1e_98\">payment terms </span><span class=\"S1A5C SB S2\" id=\"t1f_98\">Revenue recognition </span><span class=\"S1A5D SB S2\" id=\"t1g_98\">under IFRS 15 </span><span class=\"S1A5E SA7 S2\" id=\"t1h_98\">Deposit and </span><span class=\"S1A5F SA7 S2\" id=\"t1i_98\">account </span><span class=\"S1A60 SA7 S2\" id=\"t1j_98\">maintenance </span><span class=\"S1A61 SA7 S2\" id=\"t1k_98\">fees and </span><span class=\"S1A62 SA7 S2\" id=\"t1l_98\">commissions </span><span class=\"S1A63 SA7 S2\" id=\"t1m_98\">and fees </span><span class=\"S1A64 SA7 S2\" id=\"t1n_98\">related to cash </span><span class=\"S1A65 SA7 S2\" id=\"t1o_98\">withdrawal </span><span class=\"S1A66 SA7 S2\" id=\"t1p_98\">The Group provides a number of account management services for </span><span class=\"S1A67 SA7 S2\" id=\"t1q_98\">both retail and corporate customers in which they charge a fee. Fees </span><span class=\"S1A68 SA7 S2\" id=\"t1r_98\">related to these services can be typically account transaction fees </span><span class=\"S1A69 SA7 S2\" id=\"t1s_98\">(money transfer fees, direct debit fees, money standing order fees, </span><span class=\"S1A6A SA7 S2\" id=\"t1t_98\">etc.), internet banking fees (e.g. OTP Direct fee), account control fees </span><span class=\"S1A6B SA7 S2\" id=\"t1u_98\">(e.g. sms fee), or other fees for occasional services (account statement </span><span class=\"S1A6C SA7 S2\" id=\"t1v_98\">fees, other administration fees, etc.). </span><span class=\"S1A6D SA7 S2\" id=\"t1w_98\">Fees for ongoing account </span><span class=\"S1A6E SA7 S2\" id=\"t1x_98\">management services are </span><span class=\"S1A6F SA7 S2\" id=\"t1y_98\">charged on a monthly </span><span class=\"S1A70 SA7 S2\" id=\"t1z_98\">basis during the period </span><span class=\"S1A71 SA7 S2\" id=\"t20_98\">when they are provided. </span><span class=\"S1A72 SA7 S2\" id=\"t21_98\">Transaction-based </span><span class=\"S1A73 SA7 S2\" id=\"t22_98\">fees </span><span class=\"S1A74 SA7 S2\" id=\"t23_98\">are charged when the </span><span class=\"S1A75 SA7 S2\" id=\"t24_98\">transaction takes place or </span><span class=\"S1A76 SA7 S2\" id=\"t25_98\">charged monthly at the </span><span class=\"S1A77 SA7 S2\" id=\"t26_98\">end of the month. </span><span class=\"S1A78 SA7 S2\" id=\"t27_98\">Fees for ongoing account management services are charged to the </span><span class=\"S1A79 S5B9 S2\" id=\"t28_98\">customer\u2019s account on a monthly basis. The fees are commonly fixed </span><span class=\"S1A7A SA7 S2\" id=\"t29_98\">amounts that can be vary per account package and customer category. </span><span class=\"S1A7B SA7 S2\" id=\"t2a_98\">In the case of the transaction-based fees where the services include </span><span class=\"S1A7C SA7 S2\" id=\"t2b_98\">money transfer the fee is charged when the transaction takes place. The </span><span class=\"S1A7D SA7 S2\" id=\"t2c_98\">rate of the fee is typically determined in a certain % of the transaction </span><span class=\"S1A7E SA7 S2\" id=\"t2d_98\">amount. In the case of other transaction-based fees (e.g. SMS fee), the </span><span class=\"S1A7F SA7 S2\" id=\"t2e_98\">fee is settled monthly. </span><span class=\"S1A80 SA7 S2\" id=\"t2f_98\">In the case of occasional services, the Group basically charges the fees </span><span class=\"S1A81 SA7 S2\" id=\"t2g_98\">when the services are used by the customer. The fees can be fixed fees </span><span class=\"S1A82 SA7 S2\" id=\"t2h_98\">or they can be set in %. </span><span class=\"S1A83 SA7 S2\" id=\"t2i_98\">The rates are reviewed by the Group regularly. </span><span class=\"SFA4 SB S2\" id=\"t3_99\">NOTE 32: </span><span class=\"S1A85 SB S2\" id=\"t4_99\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) [continued] </span><span class=\"S1A86 SB S2\" id=\"t5_99\">Fee type </span><span class=\"S1A87 SB S2\" id=\"t6_99\">Nature and timing of obligation settlement, and the significant </span><span class=\"S1A88 SB S2\" id=\"t7_99\">payment terms </span><span class=\"S1A89 SB S2\" id=\"t8_99\">Revenue recognition </span><span class=\"S1A8A SB S2\" id=\"t9_99\">under IFRS 15 </span><span class=\"S1A8B SA7 S2\" id=\"ta_99\">Fees and </span><span class=\"S1A8C SA7 S2\" id=\"tb_99\">commission </span><span class=\"S1A8D SA7 S2\" id=\"tc_99\">related to the </span><span class=\"S1A8E SA7 S2\" id=\"td_99\">issued bank </span><span class=\"S1A8F SA7 S2\" id=\"te_99\">cards </span><span class=\"S1A90 SA7 S2\" id=\"tf_99\">The Group provides a variety of bank cards to its customers, for which </span><span class=\"S1A91 SA7 S2\" id=\"tg_99\">different fees are charged. The fees are basically charged in connection </span><span class=\"S1A92 SA7 S2\" id=\"th_99\">with the issuance of cards and the related card transactions. </span><span class=\"S1A93 SA7 S2\" id=\"ti_99\">Fees for ongoing services </span><span class=\"S1A94 SA7 S2\" id=\"tj_99\">are charged on a monthly </span><span class=\"S1A95 SA7 S2\" id=\"tk_99\">basis during the period </span><span class=\"S1A96 SA7 S2\" id=\"tl_99\">when they are provided. </span><span class=\"S1A97 SA7 S2\" id=\"tm_99\">Transaction-based </span><span class=\"S1A98 SA7 S2\" id=\"tn_99\">fees </span><span class=\"S1A99 SA7 S2\" id=\"to_99\">are charged when the </span><span class=\"S1A9A SA7 S2\" id=\"tp_99\">transaction takes place or </span><span class=\"S1A9B SA7 S2\" id=\"tq_99\">charged monthly at the </span><span class=\"S1A9C SA7 S2\" id=\"tr_99\">end of the month. </span><span class=\"S1A9D SA7 S2\" id=\"ts_99\">The annual fees of the cards are charged in advance in a fixed amount. </span><span class=\"S1A9E SA7 S2\" id=\"tt_99\">The amount of the annual card fee depends on the type of card. </span><span class=\"S1A9F SA7 S2\" id=\"tu_99\">In case of transaction-based fees (e.g. cash withdrawal/payment fee, </span><span class=\"S1AA0 SA7 S2\" id=\"tv_99\">merchant fee, interchange fee, etc.), the settlement of the fees will take </span><span class=\"S1AA1 SA7 S2\" id=\"tw_99\">place immediately after the transaction or on a monthly basis. The fee </span><span class=\"S1AA2 SA7 S2\" id=\"tx_99\">is typically determined in % of the transaction with a fixed minimum </span><span class=\"S1AA3 SA7 S2\" id=\"ty_99\">amount. </span><span class=\"S1AA4 SA7 S2\" id=\"tz_99\">For all other cases where the Group provides a continuous service to </span><span class=\"S1AA5 SA7 S2\" id=\"t10_99\">the customers (e.g. card closing fee), the fees are charged monthly. The </span><span class=\"S1AA6 SA7 S2\" id=\"t11_99\">fee is calculated in a fix amount. </span><span class=\"S1AA7 SA7 S2\" id=\"t12_99\">The rates are reviewed by the Group regularly. </span><span class=\"S1AA8 SA7 S2\" id=\"t13_99\">Fees and </span><span class=\"S1AA9 SA7 S2\" id=\"t14_99\">commissions </span><span class=\"S1AAA SA7 S2\" id=\"t15_99\">related to </span><span class=\"S1AAB SA7 S2\" id=\"t16_99\">security </span><span class=\"S1AAC SA7 S2\" id=\"t17_99\">account </span><span class=\"S1AAD SA7 S2\" id=\"t18_99\">management </span><span class=\"S1AAE SA7 S2\" id=\"t19_99\">services </span><span class=\"S1AAF SA7 S2\" id=\"t1a_99\">The Group provides its clients security account management services. </span><span class=\"S1AB0 SA7 S2\" id=\"t1b_99\">Fees will be charged for account management and transactions on </span><span class=\"S1AB1 SA7 S2\" id=\"t1c_99\">accounts. </span><span class=\"S1AB2 SA7 S2\" id=\"t1d_99\">Fees for ongoing services </span><span class=\"S1AB3 SA7 S2\" id=\"t1e_99\">are charged quarterly or </span><span class=\"S1AB4 SA7 S2\" id=\"t1f_99\">annually during the period </span><span class=\"S1AB5 SA7 S2\" id=\"t1g_99\">when they are provided. </span><span class=\"S1AB6 SA7 S2\" id=\"t1h_99\">The </span><span class=\"S1AB7 SA7 S2\" id=\"t1i_99\">fees </span><span class=\"S1AB8 SA7 S2\" id=\"t1j_99\">are </span><span class=\"S1AB9 SA7 S2\" id=\"t1k_99\">accrued </span><span class=\"S1ABA SA7 S2\" id=\"t1l_99\">monthly. </span><span class=\"S1ABB SA7 S2\" id=\"t1m_99\">Transaction-based </span><span class=\"S1ABC SA7 S2\" id=\"t1n_99\">fees </span><span class=\"S1ABD SA7 S2\" id=\"t1o_99\">are charged when the </span><span class=\"S1ABE SA7 S2\" id=\"t1p_99\">transaction takes place. </span><span class=\"S1ABF SA7 S2\" id=\"t1q_99\">Account management fees are typically charged quarterly or annually. </span><span class=\"S1AC0 SA7 S2\" id=\"t1r_99\">The amount is determined in %, based on the stocks of securities </span><span class=\"S1AC1 SA7 S2\" id=\"t1s_99\">managed by the clients on the account in a given period. </span><span class=\"S1AC2 SA7 S2\" id=\"t1t_99\">Fees for transactions on the securities account are charged immediately </span><span class=\"S1AC3 SA7 S2\" id=\"t1u_99\">after the transaction. They are determined in %, based on the </span><span class=\"S1AC4 SA7 S2\" id=\"t1v_99\">transaction amount. </span><span class=\"S1AC5 SA7 S2\" id=\"t1w_99\">Fees for complex services provided to clients (e.g. portfolio </span><span class=\"S1AC6 SA7 S2\" id=\"t1x_99\">management or custody) are typically charged monthly or annually. </span><span class=\"S1AC7 SA7 S2\" id=\"t1y_99\">The fees are fixed monthly amounts and in some cases a bonus fee are </span><span class=\"S1AC8 SA7 S2\" id=\"t1z_99\">charged. </span><span class=\"S1AC9 SA7 S2\" id=\"t20_99\">Fees and </span><span class=\"S1ACA SA7 S2\" id=\"t21_99\">commissions </span><span class=\"S1ACB SA7 S2\" id=\"t22_99\">related to fund </span><span class=\"S1ACC SA7 S2\" id=\"t23_99\">management </span><span class=\"S1ACD SA7 S2\" id=\"t24_99\">Fees from fund management services provided to investment funds </span><span class=\"S1ACE SA7 S2\" id=\"t25_99\">and from portfolio management provided to insurance companies, </span><span class=\"S1ACF SA7 S2\" id=\"t26_99\">funds. The fee income are calculated on the basis of net asset value of </span><span class=\"S1AD0 SA7 S2\" id=\"t27_99\">the portfolio and by the fee rates determined in the contracts about </span><span class=\"S1AD1 SA7 S2\" id=\"t28_99\">portfolio management. </span><span class=\"S1AD2 SA7 S2\" id=\"t29_99\">Fees for ongoing services </span><span class=\"S1AD3 SA7 S2\" id=\"t2a_99\">are charged usually on </span><span class=\"S1AD4 SA7 S2\" id=\"t2b_99\">monthly (mutual funds) or </span><span class=\"S1AD5 SA7 S2\" id=\"t2c_99\">semi-annually </span><span class=\"S1AD6 SA7 S2\" id=\"t2d_99\">(venture </span><span class=\"S1AD7 SA7 S2\" id=\"t2e_99\">capital funds) during the </span><span class=\"S1AD8 SA7 S2\" id=\"t2f_99\">period </span><span class=\"S1AD9 SA7 S2\" id=\"t2g_99\">when </span><span class=\"S1ADA SA7 S2\" id=\"t2h_99\">they </span><span class=\"S1ADB SA7 S2\" id=\"t2i_99\">are </span><span class=\"S1ADC SA7 S2\" id=\"t2j_99\">provided </span><span class=\"S1ADD SA7 S2\" id=\"t2k_99\">but </span><span class=\"S1ADE SA7 S2\" id=\"t2l_99\">accrued </span><span class=\"S1ADF SA7 S2\" id=\"t2m_99\">monthly. </span><span class=\"S1AE0 SA7 S2\" id=\"t2n_99\">Net insurance </span><span class=\"S1AE1 SA7 S2\" id=\"t2o_99\">fee income </span><span class=\"S1AE2 SA7 S2\" id=\"t2p_99\">Due to the fact that the Group rarely provides insurance services to its </span><span class=\"S1AE3 SA7 S2\" id=\"t2q_99\">clients, only acts as an agent, the fee income charged to the customers </span><span class=\"S1AE4 SA7 S2\" id=\"t2r_99\">and fees payable to the insurance company are presented net in the fee </span><span class=\"S1AE5 SA7 S2\" id=\"t2s_99\">income. </span><span class=\"S1AE6 SA7 S2\" id=\"t2t_99\">In addition, agency fee charged for the sale of insurance contracts is </span><span class=\"S1AE7 SA7 S2\" id=\"t2u_99\">also recorded in this line. The fee is charged on a monthly basis and </span><span class=\"S1AE8 SA7 S2\" id=\"t2v_99\">determined in %. </span><span class=\"S1AE9 SA7 S2\" id=\"t2w_99\">Fees for ongoing services </span><span class=\"S1AEA SA7 S2\" id=\"t2x_99\">are charged on a monthly </span><span class=\"S1AEB SA7 S2\" id=\"t2y_99\">basis during the period </span><span class=\"S1AEC SA7 S2\" id=\"t2z_99\">when they are provided. </span><span class=\"S1AED SA7 S2\" id=\"t30_99\">Other </span><span class=\"S1AEE SA7 S2\" id=\"t31_99\">Fees that are not significant in the Group total income are included in </span><span class=\"S1AEF SA7 S2\" id=\"t32_99\">Other fees category. Such fees are safe lease, special procedure fee, </span><span class=\"S1AF0 SA7 S2\" id=\"t33_99\">account rent fee, fee of a copy of document, etc. </span><span class=\"S1AF1 SA7 S2\" id=\"t34_99\">Other fees may include charges for continuous services or for ad hoc </span><span class=\"S1AF2 SA7 S2\" id=\"t35_99\">administration services. Continuous fees are charged monthly (e.g., </span><span class=\"S1AF3 SA7 S2\" id=\"t36_99\">safe lease fees) at the beginning of the period, typically at a fixed rate. </span><span class=\"S1AF4 SA7 S2\" id=\"t37_99\">Fees for ad hoc services are charged immediately after the service </span><span class=\"S1AF5 SA7 S2\" id=\"t38_99\">obligation were met, usually in a fixed amount. </span><span class=\"S1AF6 SA7 S2\" id=\"t39_99\">Fees for ongoing services </span><span class=\"S1AF7 SA7 S2\" id=\"t3a_99\">are charged on a monthly </span><span class=\"S1AF8 SA7 S2\" id=\"t3b_99\">basis during the period </span><span class=\"S1AF9 SA7 S2\" id=\"t3c_99\">when they are provided. </span><span class=\"S1AFA SA7 S2\" id=\"t3d_99\">Fees for ad hoc services </span><span class=\"S1AFB SA7 S2\" id=\"t3e_99\">are charged when the </span><span class=\"S1AFC SA7 S2\" id=\"t3f_99\">transaction takes place. </span><span class=\"SFA4 SB S2\" id=\"t3_100\">NOTE 32: </span><span class=\"SE8C SB S2\" id=\"t4_100\">NET PROFIT FROM FEES AND COMMISSIONS (in HUF mn) [continued] </span><span class=\"S1AFE SB S2\" id=\"t5_100\">Expense from fees and commissions </span><span class=\"S19E2 SB S2\" id=\"t6_100\">2022 </span><span class=\"S19E3 SB S2\" id=\"t7_100\">2021 </span><span class=\"S1AFF SA7 S2\" id=\"t8_100\">Fees and commissions related to issued bank cards </span><span class=\"S1B00 SA7 S2\" id=\"t9_100\">56,190 </span><span class=\"S1B01 SA7 S2\" id=\"ta_100\">42,662 </span><span class=\"S1B02 SA7 S2\" id=\"tb_100\">Interchange fees </span><span class=\"S1B03 SA7 S2\" id=\"tc_100\">30,470 </span><span class=\"S19ED SA7 S2\" id=\"td_100\">22,831 </span><span class=\"S1B04 SA7 S2\" id=\"te_100\">Fees and commissions paid on loans </span><span class=\"S1B05 SA7 S2\" id=\"tf_100\">9,164 </span><span class=\"S1B06 SA7 S2\" id=\"tg_100\">9,502 </span><span class=\"S1B07 SA7 S2\" id=\"th_100\">Fees and commissions related to deposits </span><span class=\"S1B08 SA7 S2\" id=\"ti_100\">9,834 </span><span class=\"S1B09 SA7 S2\" id=\"tj_100\">8,438 </span><span class=\"S1B0A SA7 S2\" id=\"tk_100\">Cash withdrawal transaction fees </span><span class=\"S1B0B SA7 S2\" id=\"tl_100\">5,292 </span><span class=\"S1B0C SA7 S2\" id=\"tm_100\">4,063 </span><span class=\"S1B0D SA7 S2\" id=\"tn_100\">Fees and commissions related to security trading </span><span class=\"S1B0E SA7 S2\" id=\"to_100\">4,263 </span><span class=\"S1B0F SA7 S2\" id=\"tp_100\">3,730 </span><span class=\"S1930 SA7 S2\" id=\"tq_100\">Insurance fees </span><span class=\"S1B10 SA7 S2\" id=\"tr_100\">1,578 </span><span class=\"S1B11 SA7 S2\" id=\"ts_100\">1,413 </span><span class=\"S1B12 SA7 S2\" id=\"tt_100\">Fees and commissions related to collection of loans </span><span class=\"S1B13 SA7 S2\" id=\"tu_100\">985 </span><span class=\"S1B14 SA7 S2\" id=\"tv_100\">830 </span><span class=\"S1B15 SA7 S2\" id=\"tw_100\">Postal fees </span><span class=\"S1B16 SA7 S2\" id=\"tx_100\">576 </span><span class=\"S1B17 SA7 S2\" id=\"ty_100\">590 </span><span class=\"S1B18 SA7 S2\" id=\"tz_100\">Money market transaction fees and commissions </span><span class=\"S1B19 SA7 S2\" id=\"t10_100\">333 </span><span class=\"S1B1A SA7 S2\" id=\"t11_100\">281 </span><span class=\"S1B1B SA7 S2\" id=\"t12_100\">Other agent fee </span><span class=\"S1B1C SA7 S2\" id=\"t13_100\">1,912 </span><span class=\"S1B1D SA7 S2\" id=\"t14_100\">1,335 </span><span class=\"S1A4F SA7 S2\" id=\"t15_100\">Other </span><span class=\"S14E8 SA7 S2\" id=\"t16_100\">18,619 </span><span class=\"S14E9 SA7 S2\" id=\"t17_100\">16,264 </span><span class=\"S1B1E SB S2\" id=\"t18_100\">Total </span><span class=\"S1A51 SB S2\" id=\"t19_100\">139,216 </span><span class=\"S1A52 SB S2\" id=\"t1a_100\">111,939 </span><span class=\"S1B1F SB S2\" id=\"t1b_100\">Net profit from fees and commissions </span><span class=\"S1A54 SB S2\" id=\"t1c_100\">600,360 </span><span class=\"S1A55 SB S2\" id=\"t1d_100\">442,174 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9550": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_103\">NOTE 34: </span><span class=\"S1BAC SB S2\" id=\"t4_103\">OTHER OPERATING INCOME AND EXPENSES AND OTHER ADMINISTRATIVE </span><span class=\"S1BAD SB S2\" id=\"t5_103\">EXPENSES (in HUF mn) </span><span class=\"S1BAE SB S2\" id=\"t6_103\">Other operating income </span><span class=\"S1053 SB S2\" id=\"t7_103\">2022 </span><span class=\"S1054 SB S2\" id=\"t8_103\">2021 </span><span class=\"S1BAF SA7 S2\" id=\"t9_103\">Income from agricultural activity </span><span class=\"S17DA SA7 S2\" id=\"ta_103\">62,809 </span><span class=\"S17DB SA7 S2\" id=\"tb_103\">42,526 </span><span class=\"S1BB0 SA7 S2\" id=\"tc_103\">Income from tourism activity </span><span class=\"S1788 SA7 S2\" id=\"td_103\">23,197 </span><span class=\"S1BB1 SA7 S2\" id=\"te_103\">8,588 </span><span class=\"S1BB2 SA7 S2\" id=\"tf_103\">Gains on transactions related to property activities </span><span class=\"S178B SA7 S2\" id=\"tg_103\">5,269 </span><span class=\"S178C SA7 S2\" id=\"th_103\">6,424 </span><span class=\"S178D SA7 S2\" id=\"ti_103\">Rental income </span><span class=\"S1BB3 SA7 S2\" id=\"tj_103\">2,175 </span><span class=\"S1BB4 SA7 S2\" id=\"tk_103\">2,132 </span><span class=\"S1BB5 SA7 S2\" id=\"tl_103\">Income from computer programming </span><span class=\"S1BB6 SA7 S2\" id=\"tm_103\">1,250 </span><span class=\"S1BB7 SA7 S2\" id=\"tn_103\">1,113 </span><span class=\"S1BB8 SA7 S2\" id=\"to_103\">Fair value adjustment of biological assets and agricultural produce </span><span class=\"S1BB9 SA7 S2\" id=\"tp_103\">(1,939) </span><span class=\"S1BBA SA7 S2\" id=\"tq_103\">(2,551) </span><span class=\"S1BBB SA7 S2\" id=\"tr_103\">Income from written-of receivable </span><span class=\"S17E4 SA7 S2\" id=\"ts_103\">3,727 </span><span class=\"S1BBC SA7 S2\" id=\"tt_103\">3,577 </span><span class=\"S1BBD SA7 S2\" id=\"tu_103\">Income from air passenger transport </span><span class=\"S17E7 SA7 S2\" id=\"tv_103\">1,863 </span><span class=\"S1BBE SA7 S2\" id=\"tw_103\">762 </span><span class=\"S1BBF SA7 S2\" id=\"tx_103\">Gains on transactions related to insurance activity </span><span class=\"S1BC0 SA7 S2\" id=\"ty_103\">1,369 </span><span class=\"S1BC1 SA7 S2\" id=\"tz_103\">657 </span><span class=\"S1BC2 SA7 S2\" id=\"t10_103\">Non-repayable assets received </span><span class=\"S17EB SA7 S2\" id=\"t11_103\">447 </span><span class=\"S1BC3 SA7 S2\" id=\"t12_103\">165 </span><span class=\"S1BC4 SA7 S2\" id=\"t13_103\">Negative goodwill due to acquisition </span><span class=\"S1425 SA7 S2\" id=\"t14_103\">3,784 </span><span class=\"S1BC5 SA7 S2\" id=\"t15_103\">31 </span><span class=\"S1BC6 SA7 S2\" id=\"t16_103\">Other income from non-financial activities </span><span class=\"S1076 SA7 S2\" id=\"t17_103\">21,464 </span><span class=\"S1077 SA7 S2\" id=\"t18_103\">17,904 </span><span class=\"S1BC7 SB S2\" id=\"t19_103\">Total </span><span class=\"S1079 SB S2\" id=\"t1a_103\">125,415 </span><span class=\"S1BC8 SB S2\" id=\"t1b_103\">81,328 </span><span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9555": {
   "value": "<span class=\"S1BAE SB S2\" id=\"t6_103\">Other operating income </span><span class=\"S1053 SB S2\" id=\"t7_103\">2022 </span><span class=\"S1054 SB S2\" id=\"t8_103\">2021 </span><span class=\"S1BAF SA7 S2\" id=\"t9_103\">Income from agricultural activity </span><span class=\"S17DA SA7 S2\" id=\"ta_103\">62,809 </span><span class=\"S17DB SA7 S2\" id=\"tb_103\">42,526 </span><span class=\"S1BB0 SA7 S2\" id=\"tc_103\">Income from tourism activity </span><span class=\"S1788 SA7 S2\" id=\"td_103\">23,197 </span><span class=\"S1BB1 SA7 S2\" id=\"te_103\">8,588 </span><span class=\"S1BB2 SA7 S2\" id=\"tf_103\">Gains on transactions related to property activities </span><span class=\"S178B SA7 S2\" id=\"tg_103\">5,269 </span><span class=\"S178C SA7 S2\" id=\"th_103\">6,424 </span><span class=\"S178D SA7 S2\" id=\"ti_103\">Rental income </span><span class=\"S1BB3 SA7 S2\" id=\"tj_103\">2,175 </span><span class=\"S1BB4 SA7 S2\" id=\"tk_103\">2,132 </span><span class=\"S1BB5 SA7 S2\" id=\"tl_103\">Income from computer programming </span><span class=\"S1BB6 SA7 S2\" id=\"tm_103\">1,250 </span><span class=\"S1BB7 SA7 S2\" id=\"tn_103\">1,113 </span><span class=\"S1BB8 SA7 S2\" id=\"to_103\">Fair value adjustment of biological assets and agricultural produce </span><span class=\"S1BB9 SA7 S2\" id=\"tp_103\">(1,939) </span><span class=\"S1BBA SA7 S2\" id=\"tq_103\">(2,551) </span><span class=\"S1BBB SA7 S2\" id=\"tr_103\">Income from written-of receivable </span><span class=\"S17E4 SA7 S2\" id=\"ts_103\">3,727 </span><span class=\"S1BBC SA7 S2\" id=\"tt_103\">3,577 </span><span class=\"S1BBD SA7 S2\" id=\"tu_103\">Income from air passenger transport </span><span class=\"S17E7 SA7 S2\" id=\"tv_103\">1,863 </span><span class=\"S1BBE SA7 S2\" id=\"tw_103\">762 </span><span class=\"S1BBF SA7 S2\" id=\"tx_103\">Gains on transactions related to insurance activity </span><span class=\"S1BC0 SA7 S2\" id=\"ty_103\">1,369 </span><span class=\"S1BC1 SA7 S2\" id=\"tz_103\">657 </span><span class=\"S1BC2 SA7 S2\" id=\"t10_103\">Non-repayable assets received </span><span class=\"S17EB SA7 S2\" id=\"t11_103\">447 </span><span class=\"S1BC3 SA7 S2\" id=\"t12_103\">165 </span><span class=\"S1BC4 SA7 S2\" id=\"t13_103\">Negative goodwill due to acquisition </span><span class=\"S1425 SA7 S2\" id=\"t14_103\">3,784 </span><span class=\"S1BC5 SA7 S2\" id=\"t15_103\">31 </span><span class=\"S1BC6 SA7 S2\" id=\"t16_103\">Other income from non-financial activities </span><span class=\"S1076 SA7 S2\" id=\"t17_103\">21,464 </span><span class=\"S1077 SA7 S2\" id=\"t18_103\">17,904 </span><span class=\"S1BC7 SB S2\" id=\"t19_103\">Total </span><span class=\"S1079 SB S2\" id=\"t1a_103\">125,415 </span><span class=\"S1BC8 SB S2\" id=\"t1b_103\">81,328 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9601": {
   "value": "<span class=\"S1BC9 SB S2\" id=\"t1c_103\">Other operating expenses </span><span class=\"S1BCA SB S2\" id=\"t1d_103\">2022 </span><span class=\"S1BCB SB S2\" id=\"t1e_103\">2021 </span><span class=\"S1BCC SA7 S2\" id=\"t1f_103\">Expense related to agricultural activity </span><span class=\"S1BCD SA7 S2\" id=\"t1g_103\">45,612 </span><span class=\"S1BCE SA7 S2\" id=\"t1h_103\">30,392 </span><span class=\"S1BCF SA7 S2\" id=\"t1i_103\">Provision for off-balance sheet commitments </span><span class=\"S1BD0 SA7 S2\" id=\"t1j_103\">and contingent liabilities </span><span class=\"S1BD1 SA7 S2\" id=\"t1k_103\">2,878 </span><span class=\"S143A SA7 S2\" id=\"t1l_103\">11,395 </span><span class=\"S1BD2 SA7 S2\" id=\"t1m_103\">Financial support for sport association and </span><span class=\"S1BD3 SA7 S2\" id=\"t1n_103\">organization of public utility </span><span class=\"S17C8 SA7 S2\" id=\"t1o_103\">16,370 </span><span class=\"S17C9 SA7 S2\" id=\"t1p_103\">11,111 </span><span class=\"S1BD4 SA7 S2\" id=\"t1q_103\">Expenses related to tourism activity </span><span class=\"S1442 SA7 S2\" id=\"t1r_103\">20,868 </span><span class=\"S1BD5 SA7 S2\" id=\"t1s_103\">7,928 </span><span class=\"S1BD6 SA7 S2\" id=\"t1t_103\">Loss allowance and loan losses on </span><span class=\"S1BD7 SA7 S2\" id=\"t1u_103\">other financial assets </span><span class=\"S17D1 SA7 S2\" id=\"t1v_103\">13,306 </span><span class=\"S1805 SA7 S2\" id=\"t1w_103\">2,624 </span><span class=\"SFD5 SA7 S2\" id=\"t1x_103\">Expenses from losses due to foreign currency </span><span class=\"S1BD8 SA7 S2\" id=\"t1y_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BD9 SA7 S2\" id=\"t1z_103\">562 </span><span class=\"S1BDA SA7 S2\" id=\"t20_103\">949 </span><span class=\"S1BDB SA7 S2\" id=\"t21_103\">Impairment on investments </span><span class=\"S1BDC SE8B S2\" id=\"t22_103\">1 </span><span class=\"S1BDD SA7 S2\" id=\"t23_103\">901 </span><span class=\"S1BDE SA7 S2\" id=\"t24_103\">6,640 </span><span class=\"S1BDF SA7 S2\" id=\"t25_103\">Non-repayable assets contributed </span><span class=\"S1BE0 SA7 S2\" id=\"t26_103\">1,339 </span><span class=\"S1BE1 SA7 S2\" id=\"t27_103\">881 </span><span class=\"S1BE2 SA7 S2\" id=\"t28_103\">Impairment on tangible and intangible assets </span><span class=\"S1BE3 SA7 S2\" id=\"t29_103\">627 </span><span class=\"S1BE4 SA7 S2\" id=\"t2a_103\">2,967 </span><span class=\"S1BE5 SA7 S2\" id=\"t2b_103\">Impairment / (Release of impairment) and loan losses on </span><span class=\"S1BE6 SA7 S2\" id=\"t2c_103\">other non-financial assets and assets measured under IAS 2 </span><span class=\"S1BE7 SA7 S2\" id=\"t2d_103\">2,667 </span><span class=\"S1BE8 SA7 S2\" id=\"t2e_103\">(638) </span><span class=\"S1BE9 SA7 S2\" id=\"t2f_103\">Release of provision due to foreign currency </span><span class=\"S1BEA SA7 S2\" id=\"t2g_103\">loan conversion at foreign subsidiaries </span><span class=\"S1BEB SA7 S2\" id=\"t2h_103\">(434) </span><span class=\"S1BEC SA7 S2\" id=\"t2i_103\">(638) </span><span class=\"S1BED SA7 S2\" id=\"t2j_103\">Operating expenses of assets subject to </span><span class=\"S1BEE SA7 S2\" id=\"t2k_103\">operating lease and investment property </span><span class=\"S1BEF SA7 S2\" id=\"t2l_103\">883 </span><span class=\"S1BF0 SA7 S2\" id=\"t2m_103\">- </span><span class=\"S1BF1 SA7 S2\" id=\"t2n_103\">Other </span><span class=\"S1BF2 SA7 S2\" id=\"t2o_103\">23,206 </span><span class=\"S1BF3 SA7 S2\" id=\"t2p_103\">12,121 </span><span class=\"S1BF4 SF33 S2\" id=\"t2q_103\">Other expenses from non-financial activities </span><span class=\"S1B78 SF33 S2\" id=\"t2r_103\">5,927 </span><span class=\"S1B79 SF33 S2\" id=\"t2s_103\">5,613 </span><span class=\"S1BF5 SF33 S2\" id=\"t2t_103\">Other costs </span><span class=\"S1BF6 SF33 S2\" id=\"t2u_103\">17,279 </span><span class=\"S1BF7 SF33 S2\" id=\"t2v_103\">6,508 </span><span class=\"S1BF8 SB S2\" id=\"t2w_103\">Total </span><span class=\"S1BF9 SB S2\" id=\"t2x_103\">128,785 </span><span class=\"S1BFA SB S2\" id=\"t2y_103\">85,732 </span><span class=\"S1BFB S482 S2\" id=\"t2z_103\">1 </span><span class=\"S1BFC S483 S2\" id=\"t30_103\">See details in Note 12. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9675": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_104\">NOTE 34: </span><span class=\"S1BAC SB S2\" id=\"t4_104\">OTHER OPERATING INCOME AND EXPENSES AND OTHER ADMINISTRATIVE </span><span class=\"S14CF SB S2\" id=\"t5_104\">EXPENSES (in HUF mn) [continued] </span><span class=\"S1BFD SB S2\" id=\"t6_104\">Other administrative expenses </span><span class=\"S1762 SB S2\" id=\"t7_104\">2022 </span><span class=\"S1763 SB S2\" id=\"t8_104\">2021 </span><span class=\"S1BFE SA7 S2\" id=\"t9_104\">Personnel expenses </span><span class=\"S1BFF SA7 S2\" id=\"ta_104\">Wages </span><span class=\"S1C00 SA7 S2\" id=\"tb_104\">311,231 </span><span class=\"S1C01 SA7 S2\" id=\"tc_104\">271,497 </span><span class=\"S1C02 SA7 S2\" id=\"td_104\">Taxes related to personnel expenses </span><span class=\"S1C03 SA7 S2\" id=\"te_104\">49,015 </span><span class=\"S176C SA7 S2\" id=\"tf_104\">44,049 </span><span class=\"S1C04 SA7 S2\" id=\"tg_104\">Other personnel expenses </span><span class=\"S1C05 SA7 S2\" id=\"th_104\">42,317 </span><span class=\"S1C06 SA7 S2\" id=\"ti_104\">25,138 </span><span class=\"S1C07 SB S2\" id=\"tj_104\">Subtotal </span><span class=\"S1C08 SB S2\" id=\"tk_104\">402,563 </span><span class=\"S1C09 SB S2\" id=\"tl_104\">340,684 </span><span class=\"S1C0A SB S2\" id=\"tm_104\">Depreciation, amortization of tangible, intangible assets, </span><span class=\"S1C0B SB S2\" id=\"tn_104\">right-of-use assets </span><span class=\"S1C0C S10A6 S2\" id=\"to_104\">2 </span><span class=\"S1C0D SB S2\" id=\"tp_104\">107,588 </span><span class=\"S1C0E SB S2\" id=\"tq_104\">94,996 </span><span class=\"S1C0F SB S2\" id=\"tr_104\">Other administrative expenses </span><span class=\"S1C10 SA7 S2\" id=\"ts_104\">Taxes, other than income tax </span><span class=\"S1C11 SE8B S2\" id=\"tt_104\">3 </span><span class=\"S177F SA7 S2\" id=\"tu_104\">193,587 </span><span class=\"S1A05 SA7 S2\" id=\"tv_104\">93,678 </span><span class=\"S1C12 SA7 S2\" id=\"tw_104\">Services </span><span class=\"S1C13 SA7 S2\" id=\"tx_104\">150,505 </span><span class=\"S1C14 SA7 S2\" id=\"ty_104\">113,400 </span><span class=\"S1C15 SA7 S2\" id=\"tz_104\">Professional fees </span><span class=\"S14EC SA7 S2\" id=\"t10_104\">22,932 </span><span class=\"S14ED SA7 S2\" id=\"t11_104\">21,775 </span><span class=\"S1C16 SA7 S2\" id=\"t12_104\">Fees payable to authorities and other fees </span><span class=\"S1C17 SA7 S2\" id=\"t13_104\">54,751 </span><span class=\"S1C18 SA7 S2\" id=\"t14_104\">44,113 </span><span class=\"S1C19 SA7 S2\" id=\"t15_104\">Advertising </span><span class=\"S1C1A SA7 S2\" id=\"t16_104\">20,827 </span><span class=\"S1C1B SA7 S2\" id=\"t17_104\">19,457 </span><span class=\"S1C1C SA7 S2\" id=\"t18_104\">Administration expenses </span><span class=\"S1A0C SA7 S2\" id=\"t19_104\">17,211 </span><span class=\"S1A0D SA7 S2\" id=\"t1a_104\">14,662 </span><span class=\"S1C1D SA7 S2\" id=\"t1b_104\">Rental fees </span><span class=\"S1C1E SA7 S2\" id=\"t1c_104\">5,184 </span><span class=\"S1C1F SA7 S2\" id=\"t1d_104\">4,847 </span><span class=\"S1C20 SB S2\" id=\"t1e_104\">Subtotal </span><span class=\"S19B2 SB S2\" id=\"t1f_104\">464,997 </span><span class=\"S19B3 SB S2\" id=\"t1g_104\">311,932 </span><span class=\"S1C21 SB S2\" id=\"t1h_104\">Total </span><span class=\"S1C22 SB S2\" id=\"t1i_104\">975,148 </span><span class=\"S1C23 SB S2\" id=\"t1j_104\">747,612 </span><span class=\"S1C24 S482 S2\" id=\"t1k_104\">2 </span><span class=\"S1C25 S483 S2\" id=\"t1l_104\">See details in Note 13 and Note 36. </span><span class=\"S1C26 S482 S2\" id=\"t1m_104\">3 </span><span class=\"S1C27 S483 S2\" id=\"t1n_104\">Special tax of financial institutions was paid by the Group in the amount of HUF 99,974 million for the year ended 31 December 2022 and </span><span class=\"S1C28 S483 S2\" id=\"t1o_104\">HUF 19,652 million for the year 2021, recognized as an expense thus decreased the corporate tax base. For the year ended 31 December 2022 </span><span class=\"S1C29 S483 S2\" id=\"t1p_104\">financial transaction duty was paid by the Bank in the amount of HUF 88,642 million while for the year ended 31 December 2021 the same </span><span class=\"S1C2A S483 S2\" id=\"t1q_104\">duty was HUF 68 billion. </span><span class=\"S1C2B SA7 S2\" id=\"t1r_104\">The table below contains the detailing of the fees for audit and non-audit services: </span><span class=\"S1C2C SB S2\" id=\"t1s_104\">Ernst &amp; Young Audit Ltd. </span><span class=\"S1C2D SB S2\" id=\"t1t_104\">2022 </span><span class=\"S1C2E SB S2\" id=\"t1u_104\">2021 </span><span class=\"S1C2F SB S2\" id=\"t1v_104\">In thousand EUR </span><span class=\"S1C30 SA7 S2\" id=\"t1w_104\">OTP </span><span class=\"S636 S5B9 S2\" id=\"t1x_104\">\u2013 </span><span class=\"S1C31 SA7 S2\" id=\"t1y_104\">annual audit </span><span class=\"S1C32 S5B9 S2\" id=\"t1z_104\">\u2013 </span><span class=\"S1C33 SA7 S2\" id=\"t20_104\">separate financial statements </span><span class=\"S1C34 SA7 S2\" id=\"t21_104\">458 </span><span class=\"S1C35 SA7 S2\" id=\"t22_104\">458 </span><span class=\"S1C36 SA7 S2\" id=\"t23_104\">OTP </span><span class=\"S1C37 S5B9 S2\" id=\"t24_104\">\u2013 </span><span class=\"S1C38 SA7 S2\" id=\"t25_104\">annual audit </span><span class=\"S1C39 S5B9 S2\" id=\"t26_104\">\u2013 </span><span class=\"S1C3A SA7 S2\" id=\"t27_104\">consolidated financial statements </span><span class=\"S1C3B SA7 S2\" id=\"t28_104\">738 </span><span class=\"S1C3C SA7 S2\" id=\"t29_104\">659 </span><span class=\"S1C3D SA7 S2\" id=\"t2a_104\">Other audit services based on statutory provisions to </span><span class=\"S1C3E SA7 S2\" id=\"t2b_104\">OTP Group members </span><span class=\"S1C3F SA7 S2\" id=\"t2c_104\">1,120 </span><span class=\"S1C40 SA7 S2\" id=\"t2d_104\">1,050 </span><span class=\"S1C41 SA7 S2\" id=\"t2e_104\">Other services providing assurance </span><span class=\"S1C42 SA7 S2\" id=\"t2f_104\">1,805 </span><span class=\"S1C43 SA7 S2\" id=\"t2g_104\">1,575 </span><span class=\"S1C44 SA7 S2\" id=\"t2h_104\">Other non-audit services </span><span class=\"S1C45 SA7 S2\" id=\"t2i_104\">426 </span><span class=\"S1C46 SA7 S2\" id=\"t2j_104\">316 </span><span class=\"S1459 SB S2\" id=\"t2k_104\">Total </span><span class=\"S1C47 SB S2\" id=\"t2l_104\">4,547 </span><span class=\"S1C48 SB S2\" id=\"t2m_104\">4,058 </span><span class=\"S1C49 SB S2\" id=\"t2n_104\">Ernst &amp; Young Network </span><span class=\"S1C4A SB S2\" id=\"t2o_104\">2022 </span><span class=\"S1C4B SB S2\" id=\"t2p_104\">2021 </span><span class=\"S1C4C SB S2\" id=\"t2q_104\">In thousand EUR </span><span class=\"S1C4D SA7 S2\" id=\"t2r_104\">Audit based on statutory provisions </span><span class=\"S1C4E SA7 S2\" id=\"t2s_104\">2,354 </span><span class=\"S1C4F SA7 S2\" id=\"t2t_104\">1,788 </span><span class=\"S1C50 SA7 S2\" id=\"t2u_104\">Other services providing assurance </span><span class=\"S1C51 SA7 S2\" id=\"t2v_104\">- </span><span class=\"S1C52 SA7 S2\" id=\"t2w_104\">- </span><span class=\"S1C53 SA7 S2\" id=\"t2x_104\">Tax consulting services </span><span class=\"S1C54 SA7 S2\" id=\"t2y_104\">209 </span><span class=\"S1C55 SA7 S2\" id=\"t2z_104\">29 </span><span class=\"S1C56 SA7 S2\" id=\"t30_104\">Other non-audit services </span><span class=\"S1C57 SA7 S2\" id=\"t31_104\">1,015 </span><span class=\"S1C58 SA7 S2\" id=\"t32_104\">209 </span><span class=\"S1C59 SB S2\" id=\"t33_104\">Total </span><span class=\"S1C5A SB S2\" id=\"t34_104\">3,578 </span><span class=\"S1C5B SB S2\" id=\"t35_104\">2,026 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9738": {
   "value": "<span class=\"S1C2B SA7 S2\" id=\"t1r_104\">The table below contains the detailing of the fees for audit and non-audit services: </span><span class=\"S1C2C SB S2\" id=\"t1s_104\">Ernst &amp; Young Audit Ltd. </span><span class=\"S1C2D SB S2\" id=\"t1t_104\">2022 </span><span class=\"S1C2E SB S2\" id=\"t1u_104\">2021 </span><span class=\"S1C2F SB S2\" id=\"t1v_104\">In thousand EUR </span><span class=\"S1C30 SA7 S2\" id=\"t1w_104\">OTP </span><span class=\"S636 S5B9 S2\" id=\"t1x_104\">\u2013 </span><span class=\"S1C31 SA7 S2\" id=\"t1y_104\">annual audit </span><span class=\"S1C32 S5B9 S2\" id=\"t1z_104\">\u2013 </span><span class=\"S1C33 SA7 S2\" id=\"t20_104\">separate financial statements </span><span class=\"S1C34 SA7 S2\" id=\"t21_104\">458 </span><span class=\"S1C35 SA7 S2\" id=\"t22_104\">458 </span><span class=\"S1C36 SA7 S2\" id=\"t23_104\">OTP </span><span class=\"S1C37 S5B9 S2\" id=\"t24_104\">\u2013 </span><span class=\"S1C38 SA7 S2\" id=\"t25_104\">annual audit </span><span class=\"S1C39 S5B9 S2\" id=\"t26_104\">\u2013 </span><span class=\"S1C3A SA7 S2\" id=\"t27_104\">consolidated financial statements </span><span class=\"S1C3B SA7 S2\" id=\"t28_104\">738 </span><span class=\"S1C3C SA7 S2\" id=\"t29_104\">659 </span><span class=\"S1C3D SA7 S2\" id=\"t2a_104\">Other audit services based on statutory provisions to </span><span class=\"S1C3E SA7 S2\" id=\"t2b_104\">OTP Group members </span><span class=\"S1C3F SA7 S2\" id=\"t2c_104\">1,120 </span><span class=\"S1C40 SA7 S2\" id=\"t2d_104\">1,050 </span><span class=\"S1C41 SA7 S2\" id=\"t2e_104\">Other services providing assurance </span><span class=\"S1C42 SA7 S2\" id=\"t2f_104\">1,805 </span><span class=\"S1C43 SA7 S2\" id=\"t2g_104\">1,575 </span><span class=\"S1C44 SA7 S2\" id=\"t2h_104\">Other non-audit services </span><span class=\"S1C45 SA7 S2\" id=\"t2i_104\">426 </span><span class=\"S1C46 SA7 S2\" id=\"t2j_104\">316 </span><span class=\"S1459 SB S2\" id=\"t2k_104\">Total </span><span class=\"S1C47 SB S2\" id=\"t2l_104\">4,547 </span><span class=\"S1C48 SB S2\" id=\"t2m_104\">4,058 </span><span class=\"S1C49 SB S2\" id=\"t2n_104\">Ernst &amp; Young Network </span><span class=\"S1C4A SB S2\" id=\"t2o_104\">2022 </span><span class=\"S1C4B SB S2\" id=\"t2p_104\">2021 </span><span class=\"S1C4C SB S2\" id=\"t2q_104\">In thousand EUR </span><span class=\"S1C4D SA7 S2\" id=\"t2r_104\">Audit based on statutory provisions </span><span class=\"S1C4E SA7 S2\" id=\"t2s_104\">2,354 </span><span class=\"S1C4F SA7 S2\" id=\"t2t_104\">1,788 </span><span class=\"S1C50 SA7 S2\" id=\"t2u_104\">Other services providing assurance </span><span class=\"S1C51 SA7 S2\" id=\"t2v_104\">- </span><span class=\"S1C52 SA7 S2\" id=\"t2w_104\">- </span><span class=\"S1C53 SA7 S2\" id=\"t2x_104\">Tax consulting services </span><span class=\"S1C54 SA7 S2\" id=\"t2y_104\">209 </span><span class=\"S1C55 SA7 S2\" id=\"t2z_104\">29 </span><span class=\"S1C56 SA7 S2\" id=\"t30_104\">Other non-audit services </span><span class=\"S1C57 SA7 S2\" id=\"t31_104\">1,015 </span><span class=\"S1C58 SA7 S2\" id=\"t32_104\">209 </span><span class=\"S1C59 SB S2\" id=\"t33_104\">Total </span><span class=\"S1C5A SB S2\" id=\"t34_104\">3,578 </span><span class=\"S1C5B SB S2\" id=\"t35_104\">2,026 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9797": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_105\">NOTE 35: </span><span class=\"S153B SB S2\" id=\"t4_105\">INCOME TAXES (in HUF mn) </span><span class=\"S1C5C SA7 S2\" id=\"t5_105\">The Group is presently liable for income tax at rates between 9% and 35% of taxable income. </span><span class=\"S1C5D SA7 S2\" id=\"t6_105\">Deferred tax is calculated at the income tax rate of 9% in Hungary and Montenegro, 10% in Bulgaria, 12% in </span><span class=\"S1C5E SA7 S2\" id=\"t7_105\">Moldova, 15% in Serbia and Albania, 16% in Romania, 18% in Ukraine and Croatia, 19% in Slovenia, 20% in </span><span class=\"S1C5F SA7 S2\" id=\"t8_105\">Russia, 25.5% in the Netherlands and 35% in Malta. </span><span class=\"S1C60 SA7 S2\" id=\"t9_105\">The breakdown of the income tax expense is: </span><span class=\"S1C61 SB S2\" id=\"ta_105\">2022 </span><span class=\"S1C62 SB S2\" id=\"tb_105\">2021 </span><span class=\"S1C63 SA7 S2\" id=\"tc_105\">Current tax expense </span><span class=\"S1C64 SA7 S2\" id=\"td_105\">91,537 </span><span class=\"S1C65 SA7 S2\" id=\"te_105\">65,692 </span><span class=\"S1C66 SA7 S2\" id=\"tf_105\">Deferred tax (income) / expense </span><span class=\"S1C67 SA7 S2\" id=\"tg_105\">(32,286) </span><span class=\"S1C68 SA7 S2\" id=\"th_105\">6,431 </span><span class=\"S1C69 SB S2\" id=\"ti_105\">Total </span><span class=\"S1C6A SB S2\" id=\"tj_105\">59,251 </span><span class=\"S1C6B SB S2\" id=\"tk_105\">72,123 </span><span class=\"S1C6C SA7 S2\" id=\"tl_105\">A reconciliation of the net deferred tax asset/liability is as follows: </span><span class=\"S1C6D SB S2\" id=\"tm_105\">2022 </span><span class=\"S1C6E SB S2\" id=\"tn_105\">2021 </span><span class=\"S1C6F SB S2\" id=\"to_105\">Balance as at 1 January </span><span class=\"S1C70 SB S2\" id=\"tp_105\">(8,936) </span><span class=\"S1C71 SB S2\" id=\"tq_105\">(3,673) </span><span class=\"S1C72 SA7 S2\" id=\"tr_105\">Deferred tax income / (expense) in profit or loss </span><span class=\"S1C73 SA7 S2\" id=\"ts_105\">32,286 </span><span class=\"S1C74 SA7 S2\" id=\"tt_105\">(6,431) </span><span class=\"S1C75 SA7 S2\" id=\"tu_105\">Deferred tax receivable related to items </span><span class=\"S1C76 SA7 S2\" id=\"tv_105\">recognized directly in equity and in Comprehensive Income </span><span class=\"S1C77 SA7 S2\" id=\"tw_105\">14,591 </span><span class=\"S147A SA7 S2\" id=\"tx_105\">1,294 </span><span class=\"S1C78 SA7 S2\" id=\"ty_105\">Due to acquisition of subsidiary </span><span class=\"S1C79 SA7 S2\" id=\"tz_105\">- </span><span class=\"S1C7A SA7 S2\" id=\"t10_105\">(737) </span><span class=\"S1C7B SA7 S2\" id=\"t11_105\">Foreign currency translation difference </span><span class=\"S1C7C SA7 S2\" id=\"t12_105\">(2,614) </span><span class=\"S1C7D SA7 S2\" id=\"t13_105\">611 </span><span class=\"S1C7E SB S2\" id=\"t14_105\">Closing balance </span><span class=\"S1C7F SB S2\" id=\"t15_105\">35,327 </span><span class=\"S1C80 SB S2\" id=\"t16_105\">(8,936) </span><span class=\"S1C81 SA7 S2\" id=\"t17_105\">A breakdown of the deferred tax assets are as follows: </span><span class=\"S1C82 SB S2\" id=\"t18_105\">2022 </span><span class=\"S1C83 SB S2\" id=\"t19_105\">2021 </span><span class=\"S1C84 SA7 S2\" id=\"t1a_105\">Loss allowance on granted loans </span><span class=\"S1C85 SA7 S2\" id=\"t1b_105\">13,244 </span><span class=\"S1C86 SA7 S2\" id=\"t1c_105\">8,244 </span><span class=\"S1C87 SA7 S2\" id=\"t1d_105\">Provision for off-balance sheet commitments and </span><span class=\"S1C88 SA7 S2\" id=\"t1e_105\">contingent liabilities, derivative financial instruments </span><span class=\"S1C89 SA7 S2\" id=\"t1f_105\">7,668 </span><span class=\"S1C8A SA7 S2\" id=\"t1g_105\">7,688 </span><span class=\"S1C8B SA7 S2\" id=\"t1h_105\">Securities at amortized cost </span><span class=\"S1C8C SA7 S2\" id=\"t1i_105\">8 </span><span class=\"S1C8D SA7 S2\" id=\"t1j_105\">9 </span><span class=\"S1C8E SA7 S2\" id=\"t1k_105\">Difference in depreciation of tangible assets </span><span class=\"S1C8F SA7 S2\" id=\"t1l_105\">1,304 </span><span class=\"S1C90 SA7 S2\" id=\"t1m_105\">3,636 </span><span class=\"S1C91 SA7 S2\" id=\"t1n_105\">Fair value adjustment of non-trading instruments </span><span class=\"S1C92 SA7 S2\" id=\"t1o_105\">mandatorily at fair value though profit or loss </span><span class=\"S1C93 SA7 S2\" id=\"t1p_105\">214 </span><span class=\"S1C94 SA7 S2\" id=\"t1q_105\">256 </span><span class=\"S1C95 SA7 S2\" id=\"t1r_105\">Fair value adjustment of derivative financial instruments </span><span class=\"S1C96 SA7 S2\" id=\"t1s_105\">7,227 </span><span class=\"S1C97 SA7 S2\" id=\"t1t_105\">992 </span><span class=\"S1C98 SA7 S2\" id=\"t1u_105\">Provision on other financial, non-financial liabilities </span><span class=\"S1C99 SA7 S2\" id=\"t1v_105\">564 </span><span class=\"S1C9A SA7 S2\" id=\"t1w_105\">1,073 </span><span class=\"S1C9B SA7 S2\" id=\"t1x_105\">Difference in accounting for leases </span><span class=\"S1C9C SA7 S2\" id=\"t1y_105\">430 </span><span class=\"S1C9D SA7 S2\" id=\"t1z_105\">999 </span><span class=\"S1C9E SA7 S2\" id=\"t20_105\">Fair value adjustment of securities at fair value </span><span class=\"S1C9F SA7 S2\" id=\"t21_105\">through other comprehensive income </span><span class=\"S1CA0 SA7 S2\" id=\"t22_105\">7,563 </span><span class=\"S1CA1 SA7 S2\" id=\"t23_105\">202 </span><span class=\"S1CA2 SA7 S2\" id=\"t24_105\">Unused tax allowance </span><span class=\"S1CA3 SA7 S2\" id=\"t25_105\">12,103 </span><span class=\"S1CA4 SA7 S2\" id=\"t26_105\">- </span><span class=\"S1CA5 SA7 S2\" id=\"t27_105\">Loss allowance / impairment on other </span><span class=\"S1CA6 SA7 S2\" id=\"t28_105\">financial, non-financial assets </span><span class=\"S1CA7 SA7 S2\" id=\"t29_105\">159 </span><span class=\"S1CA8 SA7 S2\" id=\"t2a_105\">2,427 </span><span class=\"S1CA9 SA7 S2\" id=\"t2b_105\">Tax accrual caused by negative taxable income </span><span class=\"S1CAA SA7 S2\" id=\"t2c_105\">19,744 </span><span class=\"S1CAB SA7 S2\" id=\"t2d_105\">152 </span><span class=\"S1CAC SA7 S2\" id=\"t2e_105\">Difference in depreciation of right-of-use assets </span><span class=\"S1CAD SA7 S2\" id=\"t2f_105\">564 </span><span class=\"S1CAE SA7 S2\" id=\"t2g_105\">214 </span><span class=\"S1CAF SA7 S2\" id=\"t2h_105\">Loss allowance on investment </span><span class=\"S1CB0 SA7 S2\" id=\"t2i_105\">84 </span><span class=\"S1CB1 SA7 S2\" id=\"t2j_105\">77 </span><span class=\"S1CB2 SA7 S2\" id=\"t2k_105\">Fair value adjustment of securities at fair value </span><span class=\"S1CB3 SA7 S2\" id=\"t2l_105\">through profit or loss </span><span class=\"S13DE SA7 S2\" id=\"t2m_105\">4,023 </span><span class=\"S1CB4 SA7 S2\" id=\"t2n_105\">95 </span><span class=\"S1CB5 SA7 S2\" id=\"t2o_105\">Difference in accounting for investment properties </span><span class=\"S1CB6 SA7 S2\" id=\"t2p_105\">51 </span><span class=\"S1CB7 SA7 S2\" id=\"t2q_105\">4 </span><span class=\"S1CB8 SA7 S2\" id=\"t2r_105\">Amounts unenforceable by tax law </span><span class=\"S1CB9 SA7 S2\" id=\"t2s_105\">32 </span><span class=\"S1CBA SA7 S2\" id=\"t2t_105\">- </span><span class=\"S1CBB SA7 S2\" id=\"t2u_105\">Other </span><span class=\"S1CBC SA7 S2\" id=\"t2v_105\">477 </span><span class=\"S1CBD SA7 S2\" id=\"t2w_105\">3,980 </span><span class=\"S1CBE SB S2\" id=\"t2x_105\">Deferred tax asset </span><span class=\"S1CBF SB S2\" id=\"t2y_105\">75,459 </span><span class=\"S1CC0 SB S2\" id=\"t2z_105\">30,048 </span><span class=\"SFA4 SB S2\" id=\"t3_106\">NOTE 35: </span><span class=\"S13E0 SB S2\" id=\"t4_106\">INCOME TAXES (in HUF mn) [continued] </span><span class=\"S1CC1 SA7 S2\" id=\"t5_106\">A breakdown of the deferred tax liabilities are as follows: </span><span class=\"S1762 SB S2\" id=\"t6_106\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_106\">2021 </span><span class=\"S1CC2 SA7 S2\" id=\"t8_106\">Difference in depreciation of tangible assets </span><span class=\"S1CC3 SA7 S2\" id=\"t9_106\">(10,944) </span><span class=\"S1CC4 SA7 S2\" id=\"ta_106\">(10,245) </span><span class=\"S1CC5 SA7 S2\" id=\"tb_106\">Fair value adjustment of securities at fair value </span><span class=\"S1CC6 SA7 S2\" id=\"tc_106\">through other comprehensive income </span><span class=\"S1CC7 SA7 S2\" id=\"td_106\">(4,586) </span><span class=\"S1CC8 SA7 S2\" id=\"te_106\">(6,569) </span><span class=\"S1CC9 SA7 S2\" id=\"tf_106\">Fair value adjustment of securities at fair value </span><span class=\"S1CCA SA7 S2\" id=\"tg_106\">through profit or loss </span><span class=\"S1CCB SA7 S2\" id=\"th_106\">- </span><span class=\"S1CCC SA7 S2\" id=\"ti_106\">(2,781) </span><span class=\"S1CCD SA7 S2\" id=\"tj_106\">Loss allowance on investment </span><span class=\"S1CCE SA7 S2\" id=\"tk_106\">(1,293) </span><span class=\"S1CCF SA7 S2\" id=\"tl_106\">(1,142) </span><span class=\"S1CD0 SA7 S2\" id=\"tm_106\">Fair value adjustment of non-trading instruments </span><span class=\"S1CD1 SA7 S2\" id=\"tn_106\">mandatorily at fair value though profit or loss </span><span class=\"S1CD2 SA7 S2\" id=\"to_106\">(25) </span><span class=\"S1CD3 SA7 S2\" id=\"tp_106\">- </span><span class=\"S1CD4 SA7 S2\" id=\"tq_106\">Securities at amortized cost </span><span class=\"S1CD5 SA7 S2\" id=\"tr_106\">(959) </span><span class=\"S1CD6 SA7 S2\" id=\"ts_106\">(210) </span><span class=\"S1CD7 SA7 S2\" id=\"tt_106\">Provision for off-balance sheet commitments </span><span class=\"S1CD8 SA7 S2\" id=\"tu_106\">and contingent liabilities, derivative financial instruments </span><span class=\"S1CD9 SA7 S2\" id=\"tv_106\">(639) </span><span class=\"S1CDA SA7 S2\" id=\"tw_106\">(559) </span><span class=\"S1CDB SA7 S2\" id=\"tx_106\">Loss allowance on granted loans </span><span class=\"S1CDC SA7 S2\" id=\"ty_106\">(4,383) </span><span class=\"S1CDD SA7 S2\" id=\"tz_106\">(944) </span><span class=\"S1CDE SA7 S2\" id=\"t10_106\">Interbank placements and receivables </span><span class=\"S1CDF SA7 S2\" id=\"t11_106\">(1,269) </span><span class=\"S1CE0 SA7 S2\" id=\"t12_106\">(491) </span><span class=\"S1CE1 SA7 S2\" id=\"t13_106\">Fair value adjustment of derivative financial instruments </span><span class=\"S1CE2 SA7 S2\" id=\"t14_106\">- </span><span class=\"S1CE3 SA7 S2\" id=\"t15_106\">(214) </span><span class=\"S1CE4 SA7 S2\" id=\"t16_106\">Loss allowance / impairment on other </span><span class=\"S1CE5 SA7 S2\" id=\"t17_106\">financial, non-financial assets </span><span class=\"S1CE6 SA7 S2\" id=\"t18_106\">(91) </span><span class=\"S1CE7 SA7 S2\" id=\"t19_106\">(2,261) </span><span class=\"S1CE8 SA7 S2\" id=\"t1a_106\">Repurchase agreement and security lending </span><span class=\"S1CE9 SA7 S2\" id=\"t1b_106\">(265) </span><span class=\"S1CEA SA7 S2\" id=\"t1c_106\">- </span><span class=\"S1CEB SA7 S2\" id=\"t1d_106\">Provision on other financial, non-financial liabilities </span><span class=\"S1CEC SA7 S2\" id=\"t1e_106\">- </span><span class=\"S1CED SA7 S2\" id=\"t1f_106\">(1,875) </span><span class=\"S1CEE SA7 S2\" id=\"t1g_106\">Difference in accounting for investment properties </span><span class=\"S1CEF SA7 S2\" id=\"t1h_106\">(204) </span><span class=\"S1CF0 SA7 S2\" id=\"t1i_106\">(186) </span><span class=\"S1CF1 SA7 S2\" id=\"t1j_106\">Difference in depreciation of right-of-use assets </span><span class=\"S1CF2 SA7 S2\" id=\"t1k_106\">(272) </span><span class=\"S1CF3 SA7 S2\" id=\"t1l_106\">- </span><span class=\"S1CF4 SA7 S2\" id=\"t1m_106\">Other </span><span class=\"S1CF5 SA7 S2\" id=\"t1n_106\">(15,202) </span><span class=\"S1CF6 SA7 S2\" id=\"t1o_106\">(11,507) </span><span class=\"S1CF7 SB S2\" id=\"t1p_106\">Deferred tax liabilities </span><span class=\"S1CF8 SB S2\" id=\"t1q_106\">(40,132) </span><span class=\"S1CF9 SB S2\" id=\"t1r_106\">(38,984) </span><span class=\"S1CFA SB S2\" id=\"t1s_106\">2022 </span><span class=\"S1CFB SB S2\" id=\"t1t_106\">2021 </span><span class=\"S1CFC SB S2\" id=\"t1u_106\">Net deferred tax asset / (liability) </span><span class=\"S1CFD SB S2\" id=\"t1v_106\">35,327 </span><span class=\"S1CFE SB S2\" id=\"t1w_106\">(8,936) </span><span class=\"S1CFF SB S2\" id=\"t1x_106\">(amount presented in the </span><span class=\"S1D00 SB S2\" id=\"t1y_106\">consolidated statement of financial position) </span><span class=\"S1D01 SB S2\" id=\"t1z_106\">Deferred tax assets </span><span class=\"S1D02 SB S2\" id=\"t20_106\">75,421 </span><span class=\"S19C1 SB S2\" id=\"t21_106\">15,109 </span><span class=\"S1D03 SB S2\" id=\"t22_106\">Deferred tax liabilities </span><span class=\"S1D04 SB S2\" id=\"t23_106\">(40,094) </span><span class=\"S1D05 SB S2\" id=\"t24_106\">(24,045) </span><span class=\"S1D06 SA7 S2\" id=\"t25_106\">Among deferred tax assets the tax accruals are included the following accruals by entities: </span><span class=\"S1D07 SB S2\" id=\"t26_106\">Tax accrual caused by negative </span><span class=\"S1D08 SB S2\" id=\"t27_106\">2022 </span><span class=\"S1D09 SB S2\" id=\"t28_106\">2021 </span><span class=\"S1D0A SB S2\" id=\"t29_106\">Date until </span><span class=\"S1D0B SB S2\" id=\"t2a_106\">taxable income </span><span class=\"S1D0C SB S2\" id=\"t2b_106\">it can be used </span><span class=\"S1D0D SA7 S2\" id=\"t2c_106\">OTP Bank </span><span class=\"S1D0E SA7 S2\" id=\"t2d_106\">19,424 </span><span class=\"S1D0F SA7 S2\" id=\"t2e_106\">- </span><span class=\"S1D10 SA7 S2\" id=\"t2f_106\">31 December 2027 </span><span class=\"S1D11 SA7 S2\" id=\"t2g_106\">Merkantil Bank Ltd. </span><span class=\"S1D12 SA7 S2\" id=\"t2h_106\">- </span><span class=\"S1D13 SA7 S2\" id=\"t2i_106\">40 </span><span class=\"S1D14 SA7 S2\" id=\"t2j_106\">31 December 2030 </span><span class=\"S1D15 SA7 S2\" id=\"t2k_106\">OTP Real Estate Leasing Ltd. </span><span class=\"S1D16 SA7 S2\" id=\"t2l_106\">142 </span><span class=\"S1D17 SA7 S2\" id=\"t2m_106\">55 </span><span class=\"S1D18 SA7 S2\" id=\"t2n_106\">31 December 2030 </span><span class=\"S1D19 SA7 S2\" id=\"t2o_106\">Nagisz Ltd. </span><span class=\"S1D1A SA7 S2\" id=\"t2p_106\">55 </span><span class=\"S1D1B SA7 S2\" id=\"t2q_106\">- </span><span class=\"S1D1C SA7 S2\" id=\"t2r_106\">31 December 2025 </span><span class=\"S1D1D SA7 S2\" id=\"t2s_106\">Nagisz Ltd. </span><span class=\"S1D1E SA7 S2\" id=\"t2t_106\">56 </span><span class=\"S1D1F SA7 S2\" id=\"t2u_106\">- </span><span class=\"S1D20 SA7 S2\" id=\"t2v_106\">31 December 2026 </span><span class=\"S1D21 SA7 S2\" id=\"t2w_106\">Nagisz Ltd. </span><span class=\"S1D22 SA7 S2\" id=\"t2x_106\">67 </span><span class=\"S1D23 SA7 S2\" id=\"t2y_106\">57 </span><span class=\"S1D24 SA7 S2\" id=\"t2z_106\">31 December 2030 </span><span class=\"S1D25 SB S2\" id=\"t30_106\">19,744 </span><span class=\"S1D26 SB S2\" id=\"t31_106\">152 </span><span class=\"SFA4 SB S2\" id=\"t3_107\">NOTE 35: </span><span class=\"S13E0 SB S2\" id=\"t4_107\">INCOME TAXES (in HUF mn) [continued] </span><span class=\"S1052 SA7 S2\" id=\"t5_107\">A reconciliation of the income tax income / expense is as follows: </span><span class=\"S1762 SB S2\" id=\"t6_107\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_107\">2021 </span><span class=\"S1D27 SB S2\" id=\"t8_107\">Profit before income tax </span><span class=\"S1D28 SB S2\" id=\"t9_107\">394,888 </span><span class=\"S1D29 SB S2\" id=\"ta_107\">528,435 </span><span class=\"S1D2A SB S2\" id=\"tb_107\">Income tax expense at statutory tax rates </span><span class=\"S17DA SB S2\" id=\"tc_107\">53,933 </span><span class=\"S17DB SB S2\" id=\"td_107\">68,823 </span><span class=\"S1D2B SB S2\" id=\"te_107\">Income tax adjustments due to permanent </span><span class=\"S1D2C SB S2\" id=\"tf_107\">differences are as follows: </span><span class=\"S1CD0 SA7 S2\" id=\"tg_107\">Deferred use of tax allowance </span><span class=\"S1D2D SA7 S2\" id=\"th_107\">(12,102) </span><span class=\"S1D2E SA7 S2\" id=\"ti_107\">(8) </span><span class=\"S1D2F SA7 S2\" id=\"tj_107\">Tax effect of transaction costs related to share-based payment </span><span class=\"S1D30 SA7 S2\" id=\"tk_107\">recognized directly in shareholders' equity </span><span class=\"S1778 SA7 S2\" id=\"tl_107\">- </span><span class=\"S1D31 SA7 S2\" id=\"tm_107\">323 </span><span class=\"S1D32 SA7 S2\" id=\"tn_107\">Reversal of statutory general provision </span><span class=\"S1D33 SA7 S2\" id=\"to_107\">(5) </span><span class=\"S1D34 SA7 S2\" id=\"tp_107\">- </span><span class=\"S1BC2 SA7 S2\" id=\"tq_107\">Permanent differences from unused tax losses </span><span class=\"S1D35 SA7 S2\" id=\"tr_107\">(1,894) </span><span class=\"S1CDA SA7 S2\" id=\"ts_107\">(103) </span><span class=\"S1D36 SA7 S2\" id=\"tt_107\">Tax effect of transaction costs related to treasury share transaction </span><span class=\"S1D37 SA7 S2\" id=\"tu_107\">recognized directly in shareholders' equity </span><span class=\"S1D38 SA7 S2\" id=\"tv_107\">267 </span><span class=\"S1D39 SA7 S2\" id=\"tw_107\">- </span><span class=\"S1D3A SA7 S2\" id=\"tx_107\">Amounts unenforceable by tax law </span><span class=\"S1D3B SA7 S2\" id=\"ty_107\">61 </span><span class=\"S1CE3 SA7 S2\" id=\"tz_107\">(846) </span><span class=\"S1C19 SA7 S2\" id=\"t10_107\">Use of tax allowance in the current year </span><span class=\"S1D3C SA7 S2\" id=\"t11_107\">(23) </span><span class=\"S1D3D SA7 S2\" id=\"t12_107\">(4,036) </span><span class=\"S1D3E SA7 S2\" id=\"t13_107\">Other </span><span class=\"S1D3F SA7 S2\" id=\"t14_107\">(2,804) </span><span class=\"S1D40 SA7 S2\" id=\"t15_107\">(11,250) </span><span class=\"S1D41 SB S2\" id=\"t16_107\">Income tax expense </span><span class=\"S1D42 SB S2\" id=\"t17_107\">37,433 </span><span class=\"S1D43 SB S2\" id=\"t18_107\">52,903 </span><span class=\"S1D44 SB S2\" id=\"t19_107\">Effective tax rate </span><span class=\"S1D45 SB S2\" id=\"t1a_107\">9.48% </span><span class=\"S1D46 SB S2\" id=\"t1b_107\">10.01% </span><span class=\"S1D47 SB S2\" id=\"t1c_107\">Business tax and innovation contribution </span><span class=\"S1D48 SB S2\" id=\"t1d_107\">21,818 </span><span class=\"S1D49 SB S2\" id=\"t1e_107\">19,220 </span><span class=\"S1D4A SB S2\" id=\"t1f_107\">Total income tax expense </span><span class=\"S1D4B SB S2\" id=\"t1g_107\">59,251 </span><span class=\"S1D4C SB S2\" id=\"t1h_107\">72,123 </span><span class=\"S1D4D SB S2\" id=\"t1i_107\">2022 </span><span class=\"S1D4E SB S2\" id=\"t1j_107\">2021 </span><span class=\"S1D4F SB S2\" id=\"t1k_107\">Net current tax liability </span><span class=\"S1D50 SB S2\" id=\"t1l_107\">(23,216) </span><span class=\"S1D51 SB S2\" id=\"t1m_107\">(6,603) </span><span class=\"S1D52 SB S2\" id=\"t1n_107\">(amount presented in the consolidated statement </span><span class=\"S1D53 SB S2\" id=\"t1o_107\">of financial position) </span><span class=\"S1D54 SB S2\" id=\"t1p_107\">Current income tax receivables </span><span class=\"S1D55 SB S2\" id=\"t1q_107\">5,650 </span><span class=\"S1D56 SB S2\" id=\"t1r_107\">29,978 </span><span class=\"S1D57 SB S2\" id=\"t1s_107\">Current income tax payable </span><span class=\"S1D58 SB S2\" id=\"t1t_107\">(28,866) </span><span class=\"S1D59 SB S2\" id=\"t1u_107\">(36,581) </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f9798": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_105\">NOTE 35: </span><span class=\"S153B SB S2\" id=\"t4_105\">INCOME TAXES (in HUF mn) </span><span class=\"S1C5C SA7 S2\" id=\"t5_105\">The Group is presently liable for income tax at rates between 9% and 35% of taxable income. </span><span class=\"S1C5D SA7 S2\" id=\"t6_105\">Deferred tax is calculated at the income tax rate of 9% in Hungary and Montenegro, 10% in Bulgaria, 12% in </span><span class=\"S1C5E SA7 S2\" id=\"t7_105\">Moldova, 15% in Serbia and Albania, 16% in Romania, 18% in Ukraine and Croatia, 19% in Slovenia, 20% in </span><span class=\"S1C5F SA7 S2\" id=\"t8_105\">Russia, 25.5% in the Netherlands and 35% in Malta. </span><span class=\"S1C60 SA7 S2\" id=\"t9_105\">The breakdown of the income tax expense is: </span><span class=\"S1C61 SB S2\" id=\"ta_105\">2022 </span><span class=\"S1C62 SB S2\" id=\"tb_105\">2021 </span><span class=\"S1C63 SA7 S2\" id=\"tc_105\">Current tax expense </span><span class=\"S1C64 SA7 S2\" id=\"td_105\">91,537 </span><span class=\"S1C65 SA7 S2\" id=\"te_105\">65,692 </span><span class=\"S1C66 SA7 S2\" id=\"tf_105\">Deferred tax (income) / expense </span><span class=\"S1C67 SA7 S2\" id=\"tg_105\">(32,286) </span><span class=\"S1C68 SA7 S2\" id=\"th_105\">6,431 </span><span class=\"S1C69 SB S2\" id=\"ti_105\">Total </span><span class=\"S1C6A SB S2\" id=\"tj_105\">59,251 </span><span class=\"S1C6B SB S2\" id=\"tk_105\">72,123 </span><span class=\"S1C6C SA7 S2\" id=\"tl_105\">A reconciliation of the net deferred tax asset/liability is as follows: </span><span class=\"S1C6D SB S2\" id=\"tm_105\">2022 </span><span class=\"S1C6E SB S2\" id=\"tn_105\">2021 </span><span class=\"S1C6F SB S2\" id=\"to_105\">Balance as at 1 January </span><span class=\"S1C70 SB S2\" id=\"tp_105\">(8,936) </span><span class=\"S1C71 SB S2\" id=\"tq_105\">(3,673) </span><span class=\"S1C72 SA7 S2\" id=\"tr_105\">Deferred tax income / (expense) in profit or loss </span><span class=\"S1C73 SA7 S2\" id=\"ts_105\">32,286 </span><span class=\"S1C74 SA7 S2\" id=\"tt_105\">(6,431) </span><span class=\"S1C75 SA7 S2\" id=\"tu_105\">Deferred tax receivable related to items </span><span class=\"S1C76 SA7 S2\" id=\"tv_105\">recognized directly in equity and in Comprehensive Income </span><span class=\"S1C77 SA7 S2\" id=\"tw_105\">14,591 </span><span class=\"S147A SA7 S2\" id=\"tx_105\">1,294 </span><span class=\"S1C78 SA7 S2\" id=\"ty_105\">Due to acquisition of subsidiary </span><span class=\"S1C79 SA7 S2\" id=\"tz_105\">- </span><span class=\"S1C7A SA7 S2\" id=\"t10_105\">(737) </span><span class=\"S1C7B SA7 S2\" id=\"t11_105\">Foreign currency translation difference </span><span class=\"S1C7C SA7 S2\" id=\"t12_105\">(2,614) </span><span class=\"S1C7D SA7 S2\" id=\"t13_105\">611 </span><span class=\"S1C7E SB S2\" id=\"t14_105\">Closing balance </span><span class=\"S1C7F SB S2\" id=\"t15_105\">35,327 </span><span class=\"S1C80 SB S2\" id=\"t16_105\">(8,936) </span><span class=\"S1C81 SA7 S2\" id=\"t17_105\">A breakdown of the deferred tax assets are as follows: </span><span class=\"S1C82 SB S2\" id=\"t18_105\">2022 </span><span class=\"S1C83 SB S2\" id=\"t19_105\">2021 </span><span class=\"S1C84 SA7 S2\" id=\"t1a_105\">Loss allowance on granted loans </span><span class=\"S1C85 SA7 S2\" id=\"t1b_105\">13,244 </span><span class=\"S1C86 SA7 S2\" id=\"t1c_105\">8,244 </span><span class=\"S1C87 SA7 S2\" id=\"t1d_105\">Provision for off-balance sheet commitments and </span><span class=\"S1C88 SA7 S2\" id=\"t1e_105\">contingent liabilities, derivative financial instruments </span><span class=\"S1C89 SA7 S2\" id=\"t1f_105\">7,668 </span><span class=\"S1C8A SA7 S2\" id=\"t1g_105\">7,688 </span><span class=\"S1C8B SA7 S2\" id=\"t1h_105\">Securities at amortized cost </span><span class=\"S1C8C SA7 S2\" id=\"t1i_105\">8 </span><span class=\"S1C8D SA7 S2\" id=\"t1j_105\">9 </span><span class=\"S1C8E SA7 S2\" id=\"t1k_105\">Difference in depreciation of tangible assets </span><span class=\"S1C8F SA7 S2\" id=\"t1l_105\">1,304 </span><span class=\"S1C90 SA7 S2\" id=\"t1m_105\">3,636 </span><span class=\"S1C91 SA7 S2\" id=\"t1n_105\">Fair value adjustment of non-trading instruments </span><span class=\"S1C92 SA7 S2\" id=\"t1o_105\">mandatorily at fair value though profit or loss </span><span class=\"S1C93 SA7 S2\" id=\"t1p_105\">214 </span><span class=\"S1C94 SA7 S2\" id=\"t1q_105\">256 </span><span class=\"S1C95 SA7 S2\" id=\"t1r_105\">Fair value adjustment of derivative financial instruments </span><span class=\"S1C96 SA7 S2\" id=\"t1s_105\">7,227 </span><span class=\"S1C97 SA7 S2\" id=\"t1t_105\">992 </span><span class=\"S1C98 SA7 S2\" id=\"t1u_105\">Provision on other financial, non-financial liabilities </span><span class=\"S1C99 SA7 S2\" id=\"t1v_105\">564 </span><span class=\"S1C9A SA7 S2\" id=\"t1w_105\">1,073 </span><span class=\"S1C9B SA7 S2\" id=\"t1x_105\">Difference in accounting for leases </span><span class=\"S1C9C SA7 S2\" id=\"t1y_105\">430 </span><span class=\"S1C9D SA7 S2\" id=\"t1z_105\">999 </span><span class=\"S1C9E SA7 S2\" id=\"t20_105\">Fair value adjustment of securities at fair value </span><span class=\"S1C9F SA7 S2\" id=\"t21_105\">through other comprehensive income </span><span class=\"S1CA0 SA7 S2\" id=\"t22_105\">7,563 </span><span class=\"S1CA1 SA7 S2\" id=\"t23_105\">202 </span><span class=\"S1CA2 SA7 S2\" id=\"t24_105\">Unused tax allowance </span><span class=\"S1CA3 SA7 S2\" id=\"t25_105\">12,103 </span><span class=\"S1CA4 SA7 S2\" id=\"t26_105\">- </span><span class=\"S1CA5 SA7 S2\" id=\"t27_105\">Loss allowance / impairment on other </span><span class=\"S1CA6 SA7 S2\" id=\"t28_105\">financial, non-financial assets </span><span class=\"S1CA7 SA7 S2\" id=\"t29_105\">159 </span><span class=\"S1CA8 SA7 S2\" id=\"t2a_105\">2,427 </span><span class=\"S1CA9 SA7 S2\" id=\"t2b_105\">Tax accrual caused by negative taxable income </span><span class=\"S1CAA SA7 S2\" id=\"t2c_105\">19,744 </span><span class=\"S1CAB SA7 S2\" id=\"t2d_105\">152 </span><span class=\"S1CAC SA7 S2\" id=\"t2e_105\">Difference in depreciation of right-of-use assets </span><span class=\"S1CAD SA7 S2\" id=\"t2f_105\">564 </span><span class=\"S1CAE SA7 S2\" id=\"t2g_105\">214 </span><span class=\"S1CAF SA7 S2\" id=\"t2h_105\">Loss allowance on investment </span><span class=\"S1CB0 SA7 S2\" id=\"t2i_105\">84 </span><span class=\"S1CB1 SA7 S2\" id=\"t2j_105\">77 </span><span class=\"S1CB2 SA7 S2\" id=\"t2k_105\">Fair value adjustment of securities at fair value </span><span class=\"S1CB3 SA7 S2\" id=\"t2l_105\">through profit or loss </span><span class=\"S13DE SA7 S2\" id=\"t2m_105\">4,023 </span><span class=\"S1CB4 SA7 S2\" id=\"t2n_105\">95 </span><span class=\"S1CB5 SA7 S2\" id=\"t2o_105\">Difference in accounting for investment properties </span><span class=\"S1CB6 SA7 S2\" id=\"t2p_105\">51 </span><span class=\"S1CB7 SA7 S2\" id=\"t2q_105\">4 </span><span class=\"S1CB8 SA7 S2\" id=\"t2r_105\">Amounts unenforceable by tax law </span><span class=\"S1CB9 SA7 S2\" id=\"t2s_105\">32 </span><span class=\"S1CBA SA7 S2\" id=\"t2t_105\">- </span><span class=\"S1CBB SA7 S2\" id=\"t2u_105\">Other </span><span class=\"S1CBC SA7 S2\" id=\"t2v_105\">477 </span><span class=\"S1CBD SA7 S2\" id=\"t2w_105\">3,980 </span><span class=\"S1CBE SB S2\" id=\"t2x_105\">Deferred tax asset </span><span class=\"S1CBF SB S2\" id=\"t2y_105\">75,459 </span><span class=\"S1CC0 SB S2\" id=\"t2z_105\">30,048 </span><span class=\"SFA4 SB S2\" id=\"t3_106\">NOTE 35: </span><span class=\"S13E0 SB S2\" id=\"t4_106\">INCOME TAXES (in HUF mn) [continued] </span><span class=\"S1CC1 SA7 S2\" id=\"t5_106\">A breakdown of the deferred tax liabilities are as follows: </span><span class=\"S1762 SB S2\" id=\"t6_106\">2022 </span><span class=\"S1763 SB S2\" id=\"t7_106\">2021 </span><span class=\"S1CC2 SA7 S2\" id=\"t8_106\">Difference in depreciation of tangible assets </span><span class=\"S1CC3 SA7 S2\" id=\"t9_106\">(10,944) </span><span class=\"S1CC4 SA7 S2\" id=\"ta_106\">(10,245) </span><span class=\"S1CC5 SA7 S2\" id=\"tb_106\">Fair value adjustment of securities at fair value </span><span class=\"S1CC6 SA7 S2\" id=\"tc_106\">through other comprehensive income </span><span class=\"S1CC7 SA7 S2\" id=\"td_106\">(4,586) </span><span class=\"S1CC8 SA7 S2\" id=\"te_106\">(6,569) </span><span class=\"S1CC9 SA7 S2\" id=\"tf_106\">Fair value adjustment of securities at fair value </span><span class=\"S1CCA SA7 S2\" id=\"tg_106\">through profit or loss </span><span class=\"S1CCB SA7 S2\" id=\"th_106\">- </span><span class=\"S1CCC SA7 S2\" id=\"ti_106\">(2,781) </span><span class=\"S1CCD SA7 S2\" id=\"tj_106\">Loss allowance on investment </span><span class=\"S1CCE SA7 S2\" id=\"tk_106\">(1,293) </span><span class=\"S1CCF SA7 S2\" id=\"tl_106\">(1,142) </span><span class=\"S1CD0 SA7 S2\" id=\"tm_106\">Fair value adjustment of non-trading instruments </span><span class=\"S1CD1 SA7 S2\" id=\"tn_106\">mandatorily at fair value though profit or loss </span><span class=\"S1CD2 SA7 S2\" id=\"to_106\">(25) </span><span class=\"S1CD3 SA7 S2\" id=\"tp_106\">- </span><span class=\"S1CD4 SA7 S2\" id=\"tq_106\">Securities at amortized cost </span><span class=\"S1CD5 SA7 S2\" id=\"tr_106\">(959) </span><span class=\"S1CD6 SA7 S2\" id=\"ts_106\">(210) </span><span class=\"S1CD7 SA7 S2\" id=\"tt_106\">Provision for off-balance sheet commitments </span><span class=\"S1CD8 SA7 S2\" id=\"tu_106\">and contingent liabilities, derivative financial instruments </span><span class=\"S1CD9 SA7 S2\" id=\"tv_106\">(639) </span><span class=\"S1CDA SA7 S2\" id=\"tw_106\">(559) </span><span class=\"S1CDB SA7 S2\" id=\"tx_106\">Loss allowance on granted loans </span><span class=\"S1CDC SA7 S2\" id=\"ty_106\">(4,383) </span><span class=\"S1CDD SA7 S2\" id=\"tz_106\">(944) </span><span class=\"S1CDE SA7 S2\" id=\"t10_106\">Interbank placements and receivables </span><span class=\"S1CDF SA7 S2\" id=\"t11_106\">(1,269) </span><span class=\"S1CE0 SA7 S2\" id=\"t12_106\">(491) </span><span class=\"S1CE1 SA7 S2\" id=\"t13_106\">Fair value adjustment of derivative financial instruments </span><span class=\"S1CE2 SA7 S2\" id=\"t14_106\">- </span><span class=\"S1CE3 SA7 S2\" id=\"t15_106\">(214) </span><span class=\"S1CE4 SA7 S2\" id=\"t16_106\">Loss allowance / impairment on other </span><span class=\"S1CE5 SA7 S2\" id=\"t17_106\">financial, non-financial assets </span><span class=\"S1CE6 SA7 S2\" id=\"t18_106\">(91) </span><span class=\"S1CE7 SA7 S2\" id=\"t19_106\">(2,261) </span><span class=\"S1CE8 SA7 S2\" id=\"t1a_106\">Repurchase agreement and security lending </span><span class=\"S1CE9 SA7 S2\" id=\"t1b_106\">(265) </span><span class=\"S1CEA SA7 S2\" id=\"t1c_106\">- </span><span class=\"S1CEB SA7 S2\" id=\"t1d_106\">Provision on other financial, non-financial liabilities </span><span class=\"S1CEC SA7 S2\" id=\"t1e_106\">- </span><span class=\"S1CED SA7 S2\" id=\"t1f_106\">(1,875) </span><span class=\"S1CEE SA7 S2\" id=\"t1g_106\">Difference in accounting for investment properties </span><span class=\"S1CEF SA7 S2\" id=\"t1h_106\">(204) </span><span class=\"S1CF0 SA7 S2\" id=\"t1i_106\">(186) </span><span class=\"S1CF1 SA7 S2\" id=\"t1j_106\">Difference in depreciation of right-of-use assets </span><span class=\"S1CF2 SA7 S2\" id=\"t1k_106\">(272) </span><span class=\"S1CF3 SA7 S2\" id=\"t1l_106\">- </span><span class=\"S1CF4 SA7 S2\" id=\"t1m_106\">Other </span><span class=\"S1CF5 SA7 S2\" id=\"t1n_106\">(15,202) </span><span class=\"S1CF6 SA7 S2\" id=\"t1o_106\">(11,507) </span><span class=\"S1CF7 SB S2\" id=\"t1p_106\">Deferred tax liabilities </span><span class=\"S1CF8 SB S2\" id=\"t1q_106\">(40,132) </span><span class=\"S1CF9 SB S2\" id=\"t1r_106\">(38,984) </span><span class=\"S1CFA SB S2\" id=\"t1s_106\">2022 </span><span class=\"S1CFB SB S2\" id=\"t1t_106\">2021 </span><span class=\"S1CFC SB S2\" id=\"t1u_106\">Net deferred tax asset / (liability) </span><span class=\"S1CFD SB S2\" id=\"t1v_106\">35,327 </span><span class=\"S1CFE SB S2\" id=\"t1w_106\">(8,936) </span><span class=\"S1CFF SB S2\" id=\"t1x_106\">(amount presented in the </span><span class=\"S1D00 SB S2\" id=\"t1y_106\">consolidated statement of financial position) </span><span class=\"S1D01 SB S2\" id=\"t1z_106\">Deferred tax assets </span><span class=\"S1D02 SB S2\" id=\"t20_106\">75,421 </span><span class=\"S19C1 SB S2\" id=\"t21_106\">15,109 </span><span class=\"S1D03 SB S2\" id=\"t22_106\">Deferred tax liabilities </span><span class=\"S1D04 SB S2\" id=\"t23_106\">(40,094) </span><span class=\"S1D05 SB S2\" id=\"t24_106\">(24,045) </span><span class=\"S1D06 SA7 S2\" id=\"t25_106\">Among deferred tax assets the tax accruals are included the following accruals by entities: </span><span class=\"S1D07 SB S2\" id=\"t26_106\">Tax accrual caused by negative </span><span class=\"S1D08 SB S2\" id=\"t27_106\">2022 </span><span class=\"S1D09 SB S2\" id=\"t28_106\">2021 </span><span class=\"S1D0A SB S2\" id=\"t29_106\">Date until </span><span class=\"S1D0B SB S2\" id=\"t2a_106\">taxable income </span><span class=\"S1D0C SB S2\" id=\"t2b_106\">it can be used </span><span class=\"S1D0D SA7 S2\" id=\"t2c_106\">OTP Bank </span><span class=\"S1D0E SA7 S2\" id=\"t2d_106\">19,424 </span><span class=\"S1D0F SA7 S2\" id=\"t2e_106\">- </span><span class=\"S1D10 SA7 S2\" id=\"t2f_106\">31 December 2027 </span><span class=\"S1D11 SA7 S2\" id=\"t2g_106\">Merkantil Bank Ltd. </span><span class=\"S1D12 SA7 S2\" id=\"t2h_106\">- </span><span class=\"S1D13 SA7 S2\" id=\"t2i_106\">40 </span><span class=\"S1D14 SA7 S2\" id=\"t2j_106\">31 December 2030 </span><span class=\"S1D15 SA7 S2\" id=\"t2k_106\">OTP Real Estate Leasing Ltd. </span><span class=\"S1D16 SA7 S2\" id=\"t2l_106\">142 </span><span class=\"S1D17 SA7 S2\" id=\"t2m_106\">55 </span><span class=\"S1D18 SA7 S2\" id=\"t2n_106\">31 December 2030 </span><span class=\"S1D19 SA7 S2\" id=\"t2o_106\">Nagisz Ltd. </span><span class=\"S1D1A SA7 S2\" id=\"t2p_106\">55 </span><span class=\"S1D1B SA7 S2\" id=\"t2q_106\">- </span><span class=\"S1D1C SA7 S2\" id=\"t2r_106\">31 December 2025 </span><span class=\"S1D1D SA7 S2\" id=\"t2s_106\">Nagisz Ltd. </span><span class=\"S1D1E SA7 S2\" id=\"t2t_106\">56 </span><span class=\"S1D1F SA7 S2\" id=\"t2u_106\">- </span><span class=\"S1D20 SA7 S2\" id=\"t2v_106\">31 December 2026 </span><span class=\"S1D21 SA7 S2\" id=\"t2w_106\">Nagisz Ltd. </span><span class=\"S1D22 SA7 S2\" id=\"t2x_106\">67 </span><span class=\"S1D23 SA7 S2\" id=\"t2y_106\">57 </span><span class=\"S1D24 SA7 S2\" id=\"t2z_106\">31 December 2030 </span><span class=\"S1D25 SB S2\" id=\"t30_106\">19,744 </span><span class=\"S1D26 SB S2\" id=\"t31_106\">152 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10082": {
   "value": "<span class=\"S1D4D SB S2\" id=\"t1i_107\">2022 </span><span class=\"S1D4E SB S2\" id=\"t1j_107\">2021 </span><span class=\"S1D4F SB S2\" id=\"t1k_107\">Net current tax liability </span><span class=\"S1D50 SB S2\" id=\"t1l_107\">(23,216) </span><span class=\"S1D51 SB S2\" id=\"t1m_107\">(6,603) </span><span class=\"S1D52 SB S2\" id=\"t1n_107\">(amount presented in the consolidated statement </span><span class=\"S1D53 SB S2\" id=\"t1o_107\">of financial position) </span><span class=\"S1D54 SB S2\" id=\"t1p_107\">Current income tax receivables </span><span class=\"S1D55 SB S2\" id=\"t1q_107\">5,650 </span><span class=\"S1D56 SB S2\" id=\"t1r_107\">29,978 </span><span class=\"S1D57 SB S2\" id=\"t1s_107\">Current income tax payable </span><span class=\"S1D58 SB S2\" id=\"t1t_107\">(28,866) </span><span class=\"S1D59 SB S2\" id=\"t1u_107\">(36,581) </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10103": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_108\">NOTE 36: </span><span class=\"S14BC SB S2\" id=\"t4_108\">LEASES (in HUF mn) </span><span class=\"S1CC1 SB S2\" id=\"t5_108\">The Group as a lessee: </span><span class=\"SC44 SA7 S2\" id=\"t6_108\">Right-of-use assets by class of underlying assets as at 31 December 2022: </span><span class=\"S1D5A SB S2\" id=\"t7_108\">2022 </span><span class=\"S1D5B SB S2\" id=\"t8_108\">Property </span><span class=\"S1D5C SB S2\" id=\"t9_108\">Office </span><span class=\"S1D5D SB S2\" id=\"ta_108\">equipment </span><span class=\"S1D5E SB S2\" id=\"tb_108\">and vehicles </span><span class=\"S1D5F SB S2\" id=\"tc_108\">Total </span><span class=\"S1D60 SA7 S2\" id=\"td_108\">Depreciation expense of right-of-use assets </span><span class=\"S1D61 SA7 S2\" id=\"te_108\">17,680 </span><span class=\"S1D62 SA7 S2\" id=\"tf_108\">328 </span><span class=\"S1D63 SA7 S2\" id=\"tg_108\">18,008 </span><span class=\"S1D64 SA7 S2\" id=\"th_108\">Additions to right-of-use assets </span><span class=\"S1D65 SA7 S2\" id=\"ti_108\">19,416 </span><span class=\"S1D66 SA7 S2\" id=\"tj_108\">1,931 </span><span class=\"S1D67 SA7 S2\" id=\"tk_108\">21,347 </span><span class=\"S1D68 SA7 S2\" id=\"tl_108\">Carrying amount of right-of-use assets </span><span class=\"S1D69 SA7 S2\" id=\"tm_108\">at the end of the reporting period </span><span class=\"S1D6A SA7 S2\" id=\"tn_108\">56,842 </span><span class=\"S1D6B SA7 S2\" id=\"to_108\">2,095 </span><span class=\"S1D6C SA7 S2\" id=\"tp_108\">58,937 </span><span class=\"S1D6D SA7 S2\" id=\"tq_108\">Right-of-use assets by class of underlying assets as at 31 December 2021: </span><span class=\"S1D6E SB S2\" id=\"tr_108\">2021 </span><span class=\"S1D6F SB S2\" id=\"ts_108\">Property </span><span class=\"S1D70 SB S2\" id=\"tt_108\">Office </span><span class=\"S1D71 SB S2\" id=\"tu_108\">equipment </span><span class=\"S1D72 SB S2\" id=\"tv_108\">and vehicles </span><span class=\"S1D73 SB S2\" id=\"tw_108\">Total </span><span class=\"S1D74 SA7 S2\" id=\"tx_108\">Depreciation expense of right-of-use assets </span><span class=\"S1D75 SA7 S2\" id=\"ty_108\">15,710 </span><span class=\"S1D76 SA7 S2\" id=\"tz_108\">355 </span><span class=\"S1D77 SA7 S2\" id=\"t10_108\">16,065 </span><span class=\"S1D78 SA7 S2\" id=\"t11_108\">Additions to right-of-use assets </span><span class=\"S1D79 SA7 S2\" id=\"t12_108\">13,915 </span><span class=\"S1D7A SA7 S2\" id=\"t13_108\">245 </span><span class=\"S1D7B SA7 S2\" id=\"t14_108\">14,160 </span><span class=\"S1D7C SA7 S2\" id=\"t15_108\">Carrying amount of right-of-use assets </span><span class=\"S1D7D SA7 S2\" id=\"t16_108\">at the end of the reporting period </span><span class=\"S1D7E SA7 S2\" id=\"t17_108\">50,265 </span><span class=\"S1D7F SA7 S2\" id=\"t18_108\">461 </span><span class=\"S1D80 SA7 S2\" id=\"t19_108\">50,726 </span><span class=\"S1D81 SA7 S2\" id=\"t1a_108\">The total cash outflow for leases was HUF 31,872 million as at 31 December 2022 and HUF 19,663 million as at </span><span class=\"S1D82 SA7 S2\" id=\"t1b_108\">31 December 2021. </span><span class=\"S1D83 SA7 S2\" id=\"t1c_108\">The Group mainly leases real estate, a significant part of its right-of-use assets are related to branch offices, a </span><span class=\"S1D84 SA7 S2\" id=\"t1d_108\">smaller part to office buildings and office space. </span><span class=\"S1D85 SA7 S2\" id=\"t1e_108\">Leasing liabilities by maturities: </span><span class=\"S1D86 SB S2\" id=\"t1f_108\">2022 </span><span class=\"S1D87 SB S2\" id=\"t1g_108\">2021 </span><span class=\"S1D88 SA7 S2\" id=\"t1h_108\">Within one year </span><span class=\"S1D89 SA7 S2\" id=\"t1i_108\">13,757 </span><span class=\"S1D8A SA7 S2\" id=\"t1j_108\">11,761 </span><span class=\"S1D8B SA7 S2\" id=\"t1k_108\">Over one year </span><span class=\"S1D8C SA7 S2\" id=\"t1l_108\">50,021 </span><span class=\"S1D8D SA7 S2\" id=\"t1m_108\">41,525 </span><span class=\"S1D8E SB S2\" id=\"t1n_108\">Total </span><span class=\"S1D8F SB S2\" id=\"t1o_108\">63,778 </span><span class=\"S1D90 SB S2\" id=\"t1p_108\">53,286 </span><span class=\"S1D91 SA7 S2\" id=\"t1q_108\">Lease liabilities by payments: </span><span class=\"S1D92 SB S2\" id=\"t1r_108\">2022 </span><span class=\"S1D93 SB S2\" id=\"t1s_108\">2021 </span><span class=\"S1D94 SA7 S2\" id=\"t1t_108\">Arising from fixed lease payments </span><span class=\"S1D95 SA7 S2\" id=\"t1u_108\">38,636 </span><span class=\"S1D96 SA7 S2\" id=\"t1v_108\">36,047 </span><span class=\"S1D97 SA7 S2\" id=\"t1w_108\">Arising from variable lease payments </span><span class=\"S1D98 SA7 S2\" id=\"t1x_108\">25,142 </span><span class=\"S1D99 SA7 S2\" id=\"t1y_108\">17,239 </span><span class=\"S1D9A SB S2\" id=\"t1z_108\">Total </span><span class=\"S1D9B SB S2\" id=\"t20_108\">63,778 </span><span class=\"S1D9C SB S2\" id=\"t21_108\">53,286 </span><span class=\"S1D9D SA7 S2\" id=\"t22_108\">On 31 December 2022 and 31 December 2021 HUF 44 million and HUF 123 million is the lease payment </span><span class=\"S1D9E SA7 S2\" id=\"t23_108\">respectively to be paid in the future due to leases not yet commenced to which the Group is committed. The future </span><span class=\"S1D9F SA7 S2\" id=\"t24_108\">lease payment not taken into account would be HUF 4,220 million as at 31 December 2022 and would have been </span><span class=\"S1DA0 SA7 S2\" id=\"t25_108\">HUF 4,041 million as at 31 December 2021 arising from extension options if they had been taken into account. </span><span class=\"S1DA1 SA7 S2\" id=\"t26_108\">The most typical indexes/rates on which the variable lease payments depend are: Consumer Price Index, Inflation </span><span class=\"S1DA2 SA7 S2\" id=\"t27_108\">Rate, BUBOR, EURIBOR. </span><span class=\"SFA4 SB S2\" id=\"t3_109\">NOTE 36: </span><span class=\"S1DA3 SB S2\" id=\"t4_109\">LEASES (in HUF mn) [continued] </span><span class=\"S1DA4 SB S2\" id=\"t5_109\">The Group as a lessee [continued]: </span><span class=\"S1DA5 SB S2\" id=\"t6_109\">Amounts recognized in profit and loss </span><span class=\"S1762 SB S2\" id=\"t7_109\">2022 </span><span class=\"S1763 SB S2\" id=\"t8_109\">2021 </span><span class=\"S1DA6 SA7 S2\" id=\"t9_109\">Interest expense on lease liabilities </span><span class=\"S14D4 SA7 S2\" id=\"ta_109\">2,386 </span><span class=\"S14D5 SA7 S2\" id=\"tb_109\">1,556 </span><span class=\"S1CC5 SA7 S2\" id=\"tc_109\">Expense relating to short-term leases </span><span class=\"S1DA7 SA7 S2\" id=\"td_109\">3,935 </span><span class=\"S1DA8 SA7 S2\" id=\"te_109\">3,885 </span><span class=\"S1DA9 SA7 S2\" id=\"tf_109\">Expense relating to leases of low value assets </span><span class=\"S1DAA SA7 S2\" id=\"tg_109\">919 </span><span class=\"S1DAB SA7 S2\" id=\"th_109\">694 </span><span class=\"S1DAC SA7 S2\" id=\"ti_109\">Expense relating to variable lease payments not included </span><span class=\"S1DAD SA7 S2\" id=\"tj_109\">in the measurement of lease liabilities </span><span class=\"S1CCB SA7 S2\" id=\"tk_109\">- </span><span class=\"S1DAE SA7 S2\" id=\"tl_109\">- </span><span class=\"S1DAF SA7 S2\" id=\"tm_109\">Income from subleasing right-of-use assets </span><span class=\"S1DB0 SA7 S2\" id=\"tn_109\">6 </span><span class=\"S1DB1 SA7 S2\" id=\"to_109\">11 </span><span class=\"S1DB2 SA7 S2\" id=\"tp_109\">Gains or losses arising from sale and leaseback transactions </span><span class=\"S1DB3 SA7 S2\" id=\"tq_109\">- </span><span class=\"S1DB4 SA7 S2\" id=\"tr_109\">- </span><span class=\"S1DB5 SB S2\" id=\"ts_109\">The Group as a lessor: </span><span class=\"S1DB6 S5B9 S2\" id=\"tt_109\">The Group\u2019s leasing activities are most significant in Hungary, Bulgaria, Slovenia, Ukraine and Croatia. The main </span><span class=\"S1DB7 SA7 S2\" id=\"tu_109\">activity of the leasing companies is finance leasing. About half of the underlying assets are passenger cars, besides </span><span class=\"S1473 SA7 S2\" id=\"tv_109\">this the Group leases mainly agricultural machinery, commercial vehicles, vessels and construction machinery. </span><span class=\"S1DB8 SA7 S2\" id=\"tw_109\">The Group manages the risk associated with the rights held in the underlying assets by, inter alia, buy-back </span><span class=\"S1DB9 SA7 S2\" id=\"tx_109\">agreements, determining the residual values on level lower than future market values and registering pledge on the </span><span class=\"S1DBA SA7 S2\" id=\"ty_109\">underlying asset. </span><span class=\"S1DBB SB S2\" id=\"tz_109\">The Group as a lessor, finance lease: </span><span class=\"S1DBC SB S2\" id=\"t10_109\">Amounts receivable under finance leases </span><span class=\"S1DBD SB S2\" id=\"t11_109\">2022 </span><span class=\"S1DBE SB S2\" id=\"t12_109\">2021 </span><span class=\"S1DBF SA7 S2\" id=\"t13_109\">In less than 1 year </span><span class=\"S196C SA7 S2\" id=\"t14_109\">438,205 </span><span class=\"S196D SA7 S2\" id=\"t15_109\">469,646 </span><span class=\"S1DC0 SA7 S2\" id=\"t16_109\">Between 1 and 2 years </span><span class=\"S1DC1 SA7 S2\" id=\"t17_109\">391,229 </span><span class=\"S1DC2 SA7 S2\" id=\"t18_109\">332,360 </span><span class=\"S1DC3 SA7 S2\" id=\"t19_109\">Between 2 and 3 years </span><span class=\"S1DC4 SA7 S2\" id=\"t1a_109\">265,744 </span><span class=\"S1DC5 SA7 S2\" id=\"t1b_109\">241,217 </span><span class=\"S1DC6 SA7 S2\" id=\"t1c_109\">Between 3 and 4 years </span><span class=\"S1DC7 SA7 S2\" id=\"t1d_109\">175,723 </span><span class=\"S1DC8 SA7 S2\" id=\"t1e_109\">159,306 </span><span class=\"S1DC9 SA7 S2\" id=\"t1f_109\">Between 4 and 5 years </span><span class=\"S1DCA SA7 S2\" id=\"t1g_109\">175,420 </span><span class=\"S1DCB SA7 S2\" id=\"t1h_109\">90,548 </span><span class=\"S1DCC SA7 S2\" id=\"t1i_109\">More than 5 years </span><span class=\"S1DCD SA7 S2\" id=\"t1j_109\">69,877 </span><span class=\"S1DCE SA7 S2\" id=\"t1k_109\">60,000 </span><span class=\"S1DCF SB S2\" id=\"t1l_109\">Total receivables from undiscounted lease payments </span><span class=\"S1DD0 SB S2\" id=\"t1m_109\">1,516,198 </span><span class=\"S1DD1 SB S2\" id=\"t1n_109\">1,353,077 </span><span class=\"S1DD2 SA7 S2\" id=\"t1o_109\">Unguaranteed residual values </span><span class=\"S1DD3 SA7 S2\" id=\"t1p_109\">395 </span><span class=\"S1DD4 SA7 S2\" id=\"t1q_109\">692 </span><span class=\"S1DD5 SB S2\" id=\"t1r_109\">Gross investment in the lease </span><span class=\"S1DD6 SB S2\" id=\"t1s_109\">1,516,593 </span><span class=\"S1DD7 SB S2\" id=\"t1t_109\">1,353,769 </span><span class=\"S1DD8 SA7 S2\" id=\"t1u_109\">Less: unearned finance income </span><span class=\"S1DD9 SA7 S2\" id=\"t1v_109\">(164,710) </span><span class=\"S1DDA SA7 S2\" id=\"t1w_109\">(141,138) </span><span class=\"S1DDB SB S2\" id=\"t1x_109\">Present value of minimum lease payments receivable </span><span class=\"S1DDC SB S2\" id=\"t1y_109\">1,351,883 </span><span class=\"S1DDD SB S2\" id=\"t1z_109\">1,212,631 </span><span class=\"S1DDE SA7 S2\" id=\"t20_109\">Loss allowance </span><span class=\"S1DDF SA7 S2\" id=\"t21_109\">(53,131) </span><span class=\"S1DE0 SA7 S2\" id=\"t22_109\">(30,003) </span><span class=\"SF6D SB S2\" id=\"t23_109\">Net investment in the lease </span><span class=\"S1DE1 SB S2\" id=\"t24_109\">1,298,752 </span><span class=\"S1DE2 SB S2\" id=\"t25_109\">1,182,628 </span><span class=\"S1DE3 SA7 S2\" id=\"t26_109\">An analysis of the change in the gross values on finance receivables is as follows: </span><span class=\"S1DE4 SB S2\" id=\"t27_109\">2022 </span><span class=\"S1DE5 SB S2\" id=\"t28_109\">2021 </span><span class=\"S1DE6 SB S2\" id=\"t29_109\">Balance as at 1 January </span><span class=\"S1DE7 SB S2\" id=\"t2a_109\">1,212,631 </span><span class=\"S1DE8 SB S2\" id=\"t2b_109\">1,075,742 </span><span class=\"S1DE9 SA7 S2\" id=\"t2c_109\">Additions due to new contracts </span><span class=\"S1DEA SA7 S2\" id=\"t2d_109\">662,694 </span><span class=\"S1DEB SA7 S2\" id=\"t2e_109\">656,055 </span><span class=\"S1DEC SA7 S2\" id=\"t2f_109\">Additions due to interest income and amortized fees </span><span class=\"S1DED SA7 S2\" id=\"t2g_109\">82,181 </span><span class=\"S1DEE SA7 S2\" id=\"t2h_109\">64,168 </span><span class=\"S1DEF SA7 S2\" id=\"t2i_109\">Decrease due to write-off </span><span class=\"S1DF0 SA7 S2\" id=\"t2j_109\">(484) </span><span class=\"S1DF1 SA7 S2\" id=\"t2k_109\">(543) </span><span class=\"S1DF2 SA7 S2\" id=\"t2l_109\">Decrease due to repossession of the asset </span><span class=\"S1DF3 SA7 S2\" id=\"t2m_109\">(3,616) </span><span class=\"S1DF4 SA7 S2\" id=\"t2n_109\">(3,174) </span><span class=\"S1DF5 SA7 S2\" id=\"t2o_109\">Decrease due to sale </span><span class=\"S1DF6 SA7 S2\" id=\"t2p_109\">(1,697) </span><span class=\"S1DF7 SA7 S2\" id=\"t2q_109\">(3,864) </span><span class=\"S1DF8 SA7 S2\" id=\"t2r_109\">Decrease due to early repayment </span><span class=\"S1DF9 SA7 S2\" id=\"t2s_109\">(77,500) </span><span class=\"S1DFA SA7 S2\" id=\"t2t_109\">(59,246) </span><span class=\"S1DFB SA7 S2\" id=\"t2u_109\">Decrease due to regular lease payment </span><span class=\"S1DFC SA7 S2\" id=\"t2v_109\">(572,293) </span><span class=\"S1DFD SA7 S2\" id=\"t2w_109\">(530,157) </span><span class=\"S1DFE SA7 S2\" id=\"t2x_109\">Foreign currency translation difference </span><span class=\"S1DFF SA7 S2\" id=\"t2y_109\">49,967 </span><span class=\"S1E00 SA7 S2\" id=\"t2z_109\">13,650 </span><span class=\"S1E01 SB S2\" id=\"t30_109\">Closing balance </span><span class=\"S1E02 SB S2\" id=\"t31_109\">1,351,883 </span><span class=\"S1E03 SB S2\" id=\"t32_109\">1,212,631 </span><span class=\"SFA4 SB S2\" id=\"t3_110\">NOTE 36: </span><span class=\"S1E04 SB S2\" id=\"t4_110\">LEASES (in HUF mn) [continued] </span><span class=\"S1E05 SB S2\" id=\"t5_110\">The Group as a lessor [continued]: </span><span class=\"S1E06 SB S2\" id=\"t6_110\">The Group as a lessor, finance lease [continued]: </span><span class=\"S8F2 SA7 S2\" id=\"t7_110\">An analysis of the change in the loss allowance on finance receivables is as follows: </span><span class=\"S1E07 SB S2\" id=\"t8_110\">2022 </span><span class=\"S1E08 SB S2\" id=\"t9_110\">2021 </span><span class=\"S1D64 SB S2\" id=\"ta_110\">Balance as at 1 January </span><span class=\"S1E09 SB S2\" id=\"tb_110\">30,003 </span><span class=\"S1E0A SB S2\" id=\"tc_110\">24,602 </span><span class=\"S1E0B SA7 S2\" id=\"td_110\">Loss allowance for the period </span><span class=\"S1E0C SA7 S2\" id=\"te_110\">49,433 </span><span class=\"S1E0D SA7 S2\" id=\"tf_110\">20,694 </span><span class=\"S1E0E SA7 S2\" id=\"tg_110\">Release of loss allowance </span><span class=\"S1E0F SA7 S2\" id=\"th_110\">(25,020) </span><span class=\"S1E10 SA7 S2\" id=\"ti_110\">(14,918) </span><span class=\"S1E11 SA7 S2\" id=\"tj_110\">Use of loss allowance </span><span class=\"S1E12 SA7 S2\" id=\"tk_110\">(319) </span><span class=\"S1E13 SA7 S2\" id=\"tl_110\">(257) </span><span class=\"S1E14 SA7 S2\" id=\"tm_110\">Partial write-off </span><span class=\"S1E15 SA7 S2\" id=\"tn_110\">(516) </span><span class=\"S1E16 SA7 S2\" id=\"to_110\">- </span><span class=\"S1E17 SA7 S2\" id=\"tp_110\">Decrease due to sale </span><span class=\"S1E18 SA7 S2\" id=\"tq_110\">(61) </span><span class=\"S1E19 SA7 S2\" id=\"tr_110\">(513) </span><span class=\"S1E1A SA7 S2\" id=\"ts_110\">Foreign currency translation difference </span><span class=\"S1E1B SA7 S2\" id=\"tt_110\">(389) </span><span class=\"S1E1C SA7 S2\" id=\"tu_110\">395 </span><span class=\"S1E1D SB S2\" id=\"tv_110\">Closing balance </span><span class=\"S1E1E SB S2\" id=\"tw_110\">53,131 </span><span class=\"S1E1F SB S2\" id=\"tx_110\">30,003 </span><span class=\"S1E20 SB S2\" id=\"ty_110\">Result from finance leases </span><span class=\"S1E21 SB S2\" id=\"tz_110\">2022 </span><span class=\"S1E22 SB S2\" id=\"t10_110\">2021 </span><span class=\"S1E23 SA7 S2\" id=\"t11_110\">Selling profit or loss </span><span class=\"S1E24 SA7 S2\" id=\"t12_110\">- </span><span class=\"S1E25 SA7 S2\" id=\"t13_110\">325 </span><span class=\"S1E26 SA7 S2\" id=\"t14_110\">Finance income on the net investment in the lease </span><span class=\"S1E27 SA7 S2\" id=\"t15_110\">78,262 </span><span class=\"S1E28 SA7 S2\" id=\"t16_110\">59,084 </span><span class=\"S1E29 SA7 S2\" id=\"t17_110\">Income relating to variable lease payments not included </span><span class=\"S1E2A SA7 S2\" id=\"t18_110\">in the measurement of the net investment in the lease </span><span class=\"S1E2B SA7 S2\" id=\"t19_110\">- </span><span class=\"S1E2C SA7 S2\" id=\"t1a_110\">- </span><span class=\"S1E2D SB S2\" id=\"t1b_110\">The Group as a lessor, operating lease: </span><span class=\"S1E2E SB S2\" id=\"t1c_110\">Amounts receivable under operating leases </span><span class=\"S1E2F SB S2\" id=\"t1d_110\">2022 </span><span class=\"S1E30 SB S2\" id=\"t1e_110\">2021 </span><span class=\"S1E31 SA7 S2\" id=\"t1f_110\">In less than 1 year </span><span class=\"S1E32 SA7 S2\" id=\"t1g_110\">6,636 </span><span class=\"S1E33 SA7 S2\" id=\"t1h_110\">10,383 </span><span class=\"S1E34 SA7 S2\" id=\"t1i_110\">Between 1 and 2 years </span><span class=\"S1C8F SA7 S2\" id=\"t1j_110\">6,177 </span><span class=\"S1C90 SA7 S2\" id=\"t1k_110\">5,172 </span><span class=\"S1E35 SA7 S2\" id=\"t1l_110\">Between 2 and 3 years </span><span class=\"S1E36 SA7 S2\" id=\"t1m_110\">4,782 </span><span class=\"S1E37 SA7 S2\" id=\"t1n_110\">3,527 </span><span class=\"S1E38 SA7 S2\" id=\"t1o_110\">Between 3 and 4 years </span><span class=\"S1E39 SA7 S2\" id=\"t1p_110\">3,481 </span><span class=\"S1E3A SA7 S2\" id=\"t1q_110\">2,704 </span><span class=\"S1E3B SA7 S2\" id=\"t1r_110\">Between 4 and 5 years </span><span class=\"S1C96 SA7 S2\" id=\"t1s_110\">2,644 </span><span class=\"S1E3C SA7 S2\" id=\"t1t_110\">2,019 </span><span class=\"S1E3D SA7 S2\" id=\"t1u_110\">More than 5 years </span><span class=\"S1E3E SA7 S2\" id=\"t1v_110\">2,173 </span><span class=\"S1E3F SA7 S2\" id=\"t1w_110\">904 </span><span class=\"S1E40 SB S2\" id=\"t1x_110\">Total receivables from undiscounted lease payments </span><span class=\"S1E41 SB S2\" id=\"t1y_110\">25,893 </span><span class=\"S1E42 SB S2\" id=\"t1z_110\">24,709 </span><span class=\"S1E43 SB S2\" id=\"t20_110\">Result from operating leases </span><span class=\"SF74 SB S2\" id=\"t21_110\">2022 </span><span class=\"SF75 SB S2\" id=\"t22_110\">2021 </span><span class=\"S1E44 SA7 S2\" id=\"t23_110\">Lease income </span><span class=\"S1DED SA7 S2\" id=\"t24_110\">11,439 </span><span class=\"S1DEE SA7 S2\" id=\"t25_110\">10,791 </span><span class=\"S1E45 SA7 S2\" id=\"t26_110\">Therein lease income relating to variable lease </span><span class=\"S1E46 SA7 S2\" id=\"t27_110\">payments that do not depend on an index or a rate </span><span class=\"S1E47 SA7 S2\" id=\"t28_110\">- </span><span class=\"S1E48 SA7 S2\" id=\"t29_110\">- </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f10401": {
   "value": "<span class=\"S1E4C SB S2\" id=\"t8_111\">37.1. Credit risk </span><span class=\"S1E4D SA7 S2\" id=\"t9_111\">The Group takes on exposure to credit risk which is the risk that a counter-party will be unable to pay amounts in </span><span class=\"S1E4E SA7 S2\" id=\"ta_111\">full when due. The Group structures the levels of credit risk it undertakes by placing limits on the amount of risk </span><span class=\"S7AD SA7 S2\" id=\"tb_111\">accepted in relation to one borrower, or banks of borrowers, and to geographical areas and loan types. Such risks </span><span class=\"S1E4F SA7 S2\" id=\"tc_111\">are monitored on a periodical basis and are subject to an annual or more frequent review. The exposure to any </span><span class=\"S1E50 SA7 S2\" id=\"td_111\">borrower including banks and brokers is further restricted by sub-limits covering on and off-balance sheet </span><span class=\"S1E51 SA7 S2\" id=\"te_111\">exposures and daily delivery risk limits in relation to trading items such as forward foreign exchange contracts. </span><span class=\"S1E52 SA7 S2\" id=\"tf_111\">Actual exposures against limits are monitored daily. </span><span class=\"S1E53 SA7 S2\" id=\"tg_111\">Exposure to credit risk is managed through regular analysis of the ability of borrowers and potential borrowers to </span><span class=\"S1E54 SA7 S2\" id=\"th_111\">meet interest and principal repayment obligations and by changing these lending limits when appropriate. </span><span class=\"S1E55 SA7 S2\" id=\"ti_111\">Exposure to credit risk is managed by obtaining collateral, corporate and personal guarantees. </span><span class=\"S1E56 SB S2\" id=\"tj_111\">Defining the expected credit loss on individual and collective basis </span><span class=\"SCCC SB S2\" id=\"tk_111\">On individual basis: </span><span class=\"S1E57 SA7 S2\" id=\"tl_111\">Individually assessed are the non-retail or non- micro- and small enterprise exposure of significant amount on a </span><span class=\"SAC4 SA7 S2\" id=\"tm_111\">stand-alone basis: </span><span class=\"S1E58 S602 S2\" id=\"tn_111\">\u2022 </span><span class=\"S1E59 SA7 S2\" id=\"to_111\">exposure in stage 3, </span><span class=\"S1E5A S602 S2\" id=\"tp_111\">\u2022 </span><span class=\"S1E5B SA7 S2\" id=\"tq_111\">exposure in workout management, </span><span class=\"S1E5C S602 S2\" id=\"tr_111\">\u2022 </span><span class=\"S1E5D SA7 S2\" id=\"ts_111\">purchased or originated credit-impaired instruments which are in accordance with the conditions mentioned </span><span class=\"S1E5E SA7 S2\" id=\"tt_111\">above. </span><span class=\"S1E5F SA7 S2\" id=\"tu_111\">The calculation of impairment must be prepared and approved by the risk management functional areas. The </span><span class=\"S1E60 SA7 S2\" id=\"tv_111\">calculation, all relevant factors (amortized cost, original and current EIR, contracted and expected cash flows (from </span><span class=\"S1E61 SA7 S2\" id=\"tw_111\">business and/or collateral) for the individual periods of the entire lifecycle, other essential information enforced </span><span class=\"S1E62 SA7 S2\" id=\"tx_111\">during the valuation) and the criteria thereof (including the factors underlying the classification as stage 3) must </span><span class=\"S1E63 SA7 S2\" id=\"ty_111\">be documented individually. </span><span class=\"S1E64 S5B9 S2\" id=\"tz_111\">The expected credit loss of the exposure equals the difference of the items\u2019 AC (gross book value) on the valuation </span><span class=\"S1E65 SA7 S2\" id=\"t10_111\">date and the present value of the receivable's expected cash flows discounted to the valuation date by the exposure's </span><span class=\"S1E66 SA7 S2\" id=\"t11_111\">original effective interest rate (EIR) (calculated at the initial recognition, or in the case of variable rate, recalculated </span><span class=\"S1E67 SA7 S2\" id=\"t12_111\">due to the last interest rate change). The estimation of the expected future cash flows should be forward looking, </span><span class=\"S1E68 SA7 S2\" id=\"t13_111\">it must also contain the effects of the possible change of macroeconomic outlook. </span><span class=\"S1E69 SA7 S2\" id=\"t14_111\">At least two scenarios must be used for the estimation of the expected cash flow. It should be at least one scenario </span><span class=\"S1E6A SA7 S2\" id=\"t15_111\">in which the entity anticipates that realized cash flows will be significantly different from the contractual cash </span><span class=\"S1E6B SA7 S2\" id=\"t16_111\">flows. Probability weights must be allocated to the individual scenarios. The estimation must reflect the probability </span><span class=\"S1E6C SA7 S2\" id=\"t17_111\">of the occurrence and non-occurrence of the credit loss, even if the most probable result is the non-occurrence of </span><span class=\"S1E6D SA7 S2\" id=\"t18_111\">the loss. </span><span class=\"S1E6F SB S2\" id=\"t5_112\">37.1.  Credit risk [continued] </span><span class=\"S1E70 SB S2\" id=\"t6_112\">Defining the expected credit loss on individual and collective basis [continued] </span><span class=\"S1E71 SB S2\" id=\"t7_112\">On collective basis: </span><span class=\"S1E72 SA7 S2\" id=\"t8_112\">The following exposures are subject to collective assessment: </span><span class=\"S1E73 S602 S2\" id=\"t9_112\">\u2022 </span><span class=\"S1E74 SA7 S2\" id=\"ta_112\">retail exposure irrespective of the amount, </span><span class=\"S1E75 S602 S2\" id=\"tb_112\">\u2022 </span><span class=\"S1E76 SA7 S2\" id=\"tc_112\">micro and small enterprise exposures irrespective of the amount, </span><span class=\"S1E77 S602 S2\" id=\"td_112\">\u2022 </span><span class=\"S1E78 SA7 S2\" id=\"te_112\">all other exposure which are insignificant on a stand-alone basis and not part of the workout management, </span><span class=\"S1E79 S602 S2\" id=\"tf_112\">\u2022 </span><span class=\"S1E7A SA7 S2\" id=\"tg_112\">exposure which are not in stage 3, significant on a stand-alone basis, </span><span class=\"S1E7B S602 S2\" id=\"th_112\">\u2022 </span><span class=\"S1E7C SA7 S2\" id=\"ti_112\">purchased or originated credit-impaired instruments which are in accordance with the conditions mentioned </span><span class=\"S1E7D SA7 S2\" id=\"tj_112\">above. </span><span class=\"S1E7E SA7 S2\" id=\"tk_112\">In the collective impairment methodology credit risk and the change of credit risk can be correctly captured by </span><span class=\"S1E7F SA7 S2\" id=\"tl_112\">understanding the risk characteristics of the portfolio. In order to achieve this, the main risk drivers shall be </span><span class=\"S1E80 SA7 S2\" id=\"tm_112\">identified and used to form homogeneous segments having similar risk characteristics. The segmentation is </span><span class=\"S1E81 SA7 S2\" id=\"tn_112\">expected to stay stable from month to month, however a regular (at least yearly) revision of the segmentation </span><span class=\"S1E82 SA7 S2\" id=\"to_112\">process should be set up to capture the change of risk characteristics. The segmentation must be performed </span><span class=\"S1E83 SA7 S2\" id=\"tp_112\">separately for each parameter, since in each case different factors may have relevance. </span><span class=\"S1E84 SA7 S2\" id=\"tq_112\">The Bank's Headquarter Group Reserve Committee stipulates the guidelines related to the collective impairment </span><span class=\"S1E85 SA7 S2\" id=\"tr_112\">methodology at group level. In addition, it has right of agreement in respect of the risk parameters (PD -probability </span><span class=\"S1E86 SA7 S2\" id=\"ts_112\">of default, LGD - loss given default, EAD </span><span class=\"S1E87 S5B9 S2\" id=\"tt_112\">\u2013 </span><span class=\"S1E88 SA7 S2\" id=\"tu_112\">exposure at default) and segmentation criteria proposed by the group </span><span class=\"S1E89 SA7 S2\" id=\"tv_112\">members. </span><span class=\"S1E8A SA7 S2\" id=\"tw_112\">The review of the parameters must be performed at least annually, and the results should be approved by the Group </span><span class=\"S1E8B SA7 S2\" id=\"tx_112\">Reserve Committee. Local Risk Managements are responsible for parameter estimations / updates, macroeconomic </span><span class=\"S1E8C SA7 S2\" id=\"ty_112\">scenarios are calculated by OTP Bank Headquarter for each subsidiary and each parameter. Based on the consensus </span><span class=\"S1E8D SA7 S2\" id=\"tz_112\">proposal of Local Risk Management and OTP Bank Headquarter, the Group Reserve Committee decides on the </span><span class=\"S1E8E SA7 S2\" id=\"t10_112\">modification of parameters (all parameters for impairment calculation). </span><span class=\"S1E8F SA7 S2\" id=\"t11_112\">At least on a yearly basis the impairment parameters should be back tested as well. </span><span class=\"S1E90 SA7 S2\" id=\"t12_112\">The expected loss calculation should be forward looking, including forecasts of future economic conditions. This </span><span class=\"S1E91 SA7 S2\" id=\"t13_112\">may be achieved by applying 3-5 different macroeconomic scenarios, which may be integrated in the PD, LGD </span><span class=\"S1E92 SA7 S2\" id=\"t14_112\">and EAD parameters. </span><span class=\"S1E93 SA7 S2\" id=\"t15_112\">In 2022 in Slovenia and Romania the PD parameter estimation was extended to estimate parameters based on </span><span class=\"S1E94 SA7 S2\" id=\"t16_112\">rating categories only. The more granular estimation resulted EUR 11 million less impairment in Slovenia, while </span><span class=\"S1E95 SA7 S2\" id=\"t17_112\">in Romania the RON 95 million impairment release outcome of the review was netted with a post model </span><span class=\"S1E96 SA7 S2\" id=\"t18_112\">adjustment resulting neutral overall effect. </span><span class=\"S1E99 SB S2\" id=\"t5_113\">37.1.  Credit risk [continued] </span><span class=\"S1E9A SB S2\" id=\"t6_113\">37.1.1.  Financial instruments by stages </span><span class=\"S1E9B SA7 S2\" id=\"t7_113\">Gross carrying amount and accumulated loss allowance of financial assets at amortized cost and of interest-bearing securities at fair value through other comprehensive </span><span class=\"S1E9C SA7 S2\" id=\"t8_113\">income and financial commitments and provision on them by stages as at 31 December 2022: </span><span class=\"S1E9D S27D S2\" id=\"t9_113\">Gross carrying amount / Notional value </span><span class=\"S1E9E S27D S2\" id=\"ta_113\">Accumulated loss allowance / Provision </span><span class=\"S1E9F S27D S2\" id=\"tb_113\">2022 </span><span class=\"S1EA0 S27D S2\" id=\"tc_113\">Carrying </span><span class=\"S1EA1 S27D S2\" id=\"td_113\">amount / </span><span class=\"S1EA2 S27D S2\" id=\"te_113\">Exposure </span><span class=\"S1EA3 S27D S2\" id=\"tf_113\">Stage 1 </span><span class=\"S1EA4 S27D S2\" id=\"tg_113\">Stage 2 </span><span class=\"S1EA5 S27D S2\" id=\"th_113\">Stage 3 </span><span class=\"S1EA6 S27D S2\" id=\"ti_113\">POCI </span><span class=\"S1EA7 S27D S2\" id=\"tj_113\">Total </span><span class=\"S1EA8 S27D S2\" id=\"tk_113\">Stage 1 </span><span class=\"S1EA9 S27D S2\" id=\"tl_113\">Stage 2 </span><span class=\"S1EAA S27D S2\" id=\"tm_113\">Stage 3 </span><span class=\"S1EAB S27D S2\" id=\"tn_113\">POCI </span><span class=\"S1EAC S27D S2\" id=\"to_113\">Total </span><span class=\"S1EAD S27E S2\" id=\"tp_113\">Placements with other banks </span><span class=\"S1EAE S27D S2\" id=\"tq_113\">1,351,082 </span><span class=\"S1EAF S27E S2\" id=\"tr_113\">1,354,832 </span><span class=\"S1EB0 S27E S2\" id=\"ts_113\">63 </span><span class=\"S1EB1 S27E S2\" id=\"tt_113\">24 </span><span class=\"S1EB2 S27E S2\" id=\"tu_113\">- </span><span class=\"S1EB3 S27D S2\" id=\"tv_113\">1,354,919 </span><span class=\"S1EB4 S27E S2\" id=\"tw_113\">3,801 </span><span class=\"S1EB5 S27E S2\" id=\"tx_113\">12 </span><span class=\"S1EB6 S27E S2\" id=\"ty_113\">24 </span><span class=\"S1EB7 S27E S2\" id=\"tz_113\">- </span><span class=\"S1EB8 S27D S2\" id=\"t10_113\">3,837 </span><span class=\"S1EB9 S27E S2\" id=\"t11_113\">Repo receivables </span><span class=\"S1EBA S27D S2\" id=\"t12_113\">41,009 </span><span class=\"S1EBB S27E S2\" id=\"t13_113\">41,250 </span><span class=\"S1EBC S27E S2\" id=\"t14_113\">- </span><span class=\"S1EBD S27E S2\" id=\"t15_113\">- </span><span class=\"S1EBE S27E S2\" id=\"t16_113\">- </span><span class=\"S1EBF S27D S2\" id=\"t17_113\">41,250 </span><span class=\"S1EC0 S27E S2\" id=\"t18_113\">241 </span><span class=\"S1EC1 S27E S2\" id=\"t19_113\">- </span><span class=\"S1EC2 S27E S2\" id=\"t1a_113\">- </span><span class=\"S1EC3 S27E S2\" id=\"t1b_113\">- </span><span class=\"S1EC4 S27D S2\" id=\"t1c_113\">241 </span><span class=\"S1EC5 S27E S2\" id=\"t1d_113\">Mortgage loans </span><span class=\"S1EC6 S27D S2\" id=\"t1e_113\">4,433,192 </span><span class=\"S1EC7 S27E S2\" id=\"t1f_113\">3,975,636 </span><span class=\"S1EC8 S27E S2\" id=\"t1g_113\">373,433 </span><span class=\"S1EC9 S27E S2\" id=\"t1h_113\">161,684 </span><span class=\"S1ECA S27E S2\" id=\"t1i_113\">53,844 </span><span class=\"S1ECB S27D S2\" id=\"t1j_113\">4,564,597 </span><span class=\"S1ECC S27E S2\" id=\"t1k_113\">12,638 </span><span class=\"S1ECD S27E S2\" id=\"t1l_113\">23,738 </span><span class=\"S1ECE S27E S2\" id=\"t1m_113\">78,932 </span><span class=\"S1ECF S27E S2\" id=\"t1n_113\">16,097 </span><span class=\"S1ED0 S27D S2\" id=\"t1o_113\">131,405 </span><span class=\"S1ED1 S27E S2\" id=\"t1p_113\">Loans to medium </span><span class=\"S1ED2 S27E S2\" id=\"t1q_113\">and large corporates </span><span class=\"S1ED3 S27D S2\" id=\"t1r_113\">6,824,520 </span><span class=\"S1ED4 S27E S2\" id=\"t1s_113\">5,912,383 </span><span class=\"S1ED5 S27E S2\" id=\"t1t_113\">996,292 </span><span class=\"S1ED6 S27E S2\" id=\"t1u_113\">202,188 </span><span class=\"S1ED7 S27E S2\" id=\"t1v_113\">25,350 </span><span class=\"S1ED8 S27D S2\" id=\"t1w_113\">7,136,213 </span><span class=\"S1ED9 S27E S2\" id=\"t1x_113\">64,479 </span><span class=\"S1EDA S27E S2\" id=\"t1y_113\">100,793 </span><span class=\"S1EDB S27E S2\" id=\"t1z_113\">138,877 </span><span class=\"S1EDC S27E S2\" id=\"t20_113\">7,544 </span><span class=\"S1EDD S27D S2\" id=\"t21_113\">311,693 </span><span class=\"S1EDE S27E S2\" id=\"t22_113\">Consumer loans </span><span class=\"S1EDF S27D S2\" id=\"t23_113\">3,199,520 </span><span class=\"S1EE0 S27E S2\" id=\"t24_113\">2,879,094 </span><span class=\"S1EE1 S27E S2\" id=\"t25_113\">363,047 </span><span class=\"S1EE2 S27E S2\" id=\"t26_113\">388,258 </span><span class=\"S1EE3 S27E S2\" id=\"t27_113\">13,495 </span><span class=\"S1EE4 S27D S2\" id=\"t28_113\">3,643,894 </span><span class=\"S1EE5 S27E S2\" id=\"t29_113\">61,424 </span><span class=\"S1EE6 S27E S2\" id=\"t2a_113\">81,256 </span><span class=\"S1EE7 S27E S2\" id=\"t2b_113\">294,251 </span><span class=\"S1EE8 S27E S2\" id=\"t2c_113\">7,443 </span><span class=\"S1EE9 S27D S2\" id=\"t2d_113\">444,374 </span><span class=\"S1EEA S27E S2\" id=\"t2e_113\">Loans to micro </span><span class=\"S1EEB S27E S2\" id=\"t2f_113\">and small enterprises </span><span class=\"S1EEC S27D S2\" id=\"t2g_113\">594,427 </span><span class=\"S1EED S27E S2\" id=\"t2h_113\">460,940 </span><span class=\"S1EEE S27E S2\" id=\"t2i_113\">114,173 </span><span class=\"S1EEF S27E S2\" id=\"t2j_113\">64,383 </span><span class=\"S1EF0 S27E S2\" id=\"t2k_113\">3,079 </span><span class=\"S1EF1 S27D S2\" id=\"t2l_113\">642,575 </span><span class=\"S1EF2 S27E S2\" id=\"t2m_113\">4,710 </span><span class=\"S1EF3 S27E S2\" id=\"t2n_113\">9,136 </span><span class=\"S1EF4 S27E S2\" id=\"t2o_113\">32,558 </span><span class=\"S1EF5 S27E S2\" id=\"t2p_113\">1,744 </span><span class=\"S1EF6 S27D S2\" id=\"t2q_113\">48,148 </span><span class=\"S1EF7 S27E S2\" id=\"t2r_113\">Car-finance loans </span><span class=\"S1EF8 S27D S2\" id=\"t2s_113\">512,580 </span><span class=\"S1EF9 S27E S2\" id=\"t2t_113\">433,316 </span><span class=\"S1EFA S27E S2\" id=\"t2u_113\">82,146 </span><span class=\"S1EFB S27E S2\" id=\"t2v_113\">20,705 </span><span class=\"S1EFC S27E S2\" id=\"t2w_113\">1,098 </span><span class=\"S1EFD S27D S2\" id=\"t2x_113\">537,265 </span><span class=\"S1EFE S27E S2\" id=\"t2y_113\">5,751 </span><span class=\"S1EFF S27E S2\" id=\"t2z_113\">6,830 </span><span class=\"S1F00 S27E S2\" id=\"t30_113\">11,199 </span><span class=\"S1F01 S27E S2\" id=\"t31_113\">905 </span><span class=\"S1F02 S27D S2\" id=\"t32_113\">24,685 </span><span class=\"S1F03 S27E S2\" id=\"t33_113\">Municipal loans </span><span class=\"S1F04 S27D S2\" id=\"t34_113\">530,219 </span><span class=\"S1F05 S27E S2\" id=\"t35_113\">515,299 </span><span class=\"S1F06 S27E S2\" id=\"t36_113\">20,229 </span><span class=\"S1F07 S27E S2\" id=\"t37_113\">746 </span><span class=\"S1F08 S27E S2\" id=\"t38_113\">- </span><span class=\"S1F09 S27D S2\" id=\"t39_113\">536,274 </span><span class=\"S1F0A S27E S2\" id=\"t3a_113\">3,187 </span><span class=\"S1F0B S27E S2\" id=\"t3b_113\">2,212 </span><span class=\"S1F0C S27E S2\" id=\"t3c_113\">656 </span><span class=\"S1F0D S27E S2\" id=\"t3d_113\">- </span><span class=\"S1F0E S27D S2\" id=\"t3e_113\">6,055 </span><span class=\"S1F0F S27D S2\" id=\"t3f_113\">Loans at amortized cost </span><span class=\"S1F10 S27D S2\" id=\"t3g_113\">16,094,458 </span><span class=\"S1F11 S27D S2\" id=\"t3h_113\">14,176,668 </span><span class=\"S1F12 S27D S2\" id=\"t3i_113\">1,949,320 </span><span class=\"S1F13 S27D S2\" id=\"t3j_113\">837,964 </span><span class=\"S1F14 S27D S2\" id=\"t3k_113\">96,866 </span><span class=\"S1F15 S27D S2\" id=\"t3l_113\">17,060,818 </span><span class=\"S1F16 S27D S2\" id=\"t3m_113\">152,189 </span><span class=\"S1F17 S27D S2\" id=\"t3n_113\">223,965 </span><span class=\"S1F18 S27D S2\" id=\"t3o_113\">556,473 </span><span class=\"S1F19 S27D S2\" id=\"t3p_113\">33,733 </span><span class=\"S1F1A S27D S2\" id=\"t3q_113\">966,360 </span><span class=\"S1F1B S27E S2\" id=\"t3r_113\">Finance lease receivable </span><span class=\"S1F1C S27D S2\" id=\"t3s_113\">1,298,752 </span><span class=\"S1F1D S27E S2\" id=\"t3t_113\">1,045,688 </span><span class=\"S1F1E S27E S2\" id=\"t3u_113\">235,817 </span><span class=\"S1F1F S27E S2\" id=\"t3v_113\">70,050 </span><span class=\"S1F20 S27E S2\" id=\"t3w_113\">328 </span><span class=\"S1F21 S27D S2\" id=\"t3x_113\">1,351,883 </span><span class=\"S1F22 S27E S2\" id=\"t3y_113\">4,797 </span><span class=\"S1F23 S27E S2\" id=\"t3z_113\">15,241 </span><span class=\"S1F24 S27E S2\" id=\"t40_113\">32,875 </span><span class=\"S1F25 S27E S2\" id=\"t41_113\">218 </span><span class=\"S1F26 S27D S2\" id=\"t42_113\">53,131 </span><span class=\"S1F27 S27E S2\" id=\"t43_113\">Interest bearing securities at </span><span class=\"S1F28 S27E S2\" id=\"t44_113\">fair value through other </span><span class=\"S1F29 S27E S2\" id=\"t45_113\">comprehensive income </span><span class=\"S1F2A S1F81 S2\" id=\"t46_113\">1 </span><span class=\"S1F2B S27D S2\" id=\"t47_113\">1,699,446 </span><span class=\"S1F2C S27E S2\" id=\"t48_113\">1,642,481 </span><span class=\"S1F2D S27E S2\" id=\"t49_113\">28,285 </span><span class=\"S1F2E S27E S2\" id=\"t4a_113\">28,680 </span><span class=\"S1F2F S27E S2\" id=\"t4b_113\">- </span><span class=\"S1F30 S27D S2\" id=\"t4c_113\">1,699,446 </span><span class=\"S1F31 S27E S2\" id=\"t4d_113\">13,754 </span><span class=\"S1F32 S27E S2\" id=\"t4e_113\">1,040 </span><span class=\"S1F33 S27E S2\" id=\"t4f_113\">24,831 </span><span class=\"S1F34 S27E S2\" id=\"t4g_113\">- </span><span class=\"S1F35 S27D S2\" id=\"t4h_113\">39,625 </span><span class=\"S1F36 S27E S2\" id=\"t4i_113\">Securities at amortized cost </span><span class=\"S1F37 S27D S2\" id=\"t4j_113\">4,891,938 </span><span class=\"S1F38 S27E S2\" id=\"t4k_113\">4,867,061 </span><span class=\"S1F39 S27E S2\" id=\"t4l_113\">15,141 </span><span class=\"S1F3A S27E S2\" id=\"t4m_113\">52,785 </span><span class=\"S1F3B S27E S2\" id=\"t4n_113\">- </span><span class=\"S1F3C S27D S2\" id=\"t4o_113\">4,934,987 </span><span class=\"S1F3D S27E S2\" id=\"t4p_113\">23,675 </span><span class=\"S1F3E S27E S2\" id=\"t4q_113\">611 </span><span class=\"S1F3F S27E S2\" id=\"t4r_113\">18,763 </span><span class=\"S1F40 S27E S2\" id=\"t4s_113\">- </span><span class=\"S1F41 S27D S2\" id=\"t4t_113\">43,049 </span><span class=\"S1F42 S27D S2\" id=\"t4u_113\">Financial assets total </span><span class=\"S1F43 S27D S2\" id=\"t4v_113\">25,376,685 </span><span class=\"S1F44 S27D S2\" id=\"t4w_113\">23,127,980 </span><span class=\"S1F45 S27D S2\" id=\"t4x_113\">2,228,626 </span><span class=\"S1F46 S27D S2\" id=\"t4y_113\">989,503 </span><span class=\"S1F47 S27D S2\" id=\"t4z_113\">97,194 </span><span class=\"S1F48 S27D S2\" id=\"t50_113\">26,443,303 </span><span class=\"S1F49 S27D S2\" id=\"t51_113\">198,457 </span><span class=\"S1F4A S27D S2\" id=\"t52_113\">240,869 </span><span class=\"S1F4B S27D S2\" id=\"t53_113\">632,966 </span><span class=\"S1F4C S27D S2\" id=\"t54_113\">33,951 </span><span class=\"S1F4D S27D S2\" id=\"t55_113\">1,106,243 </span><span class=\"S1F4E S27E S2\" id=\"t56_113\">Loan commitments given </span><span class=\"S1F4F S27D S2\" id=\"t57_113\">4,191,766 </span><span class=\"S1F50 S27E S2\" id=\"t58_113\">3,954,773 </span><span class=\"S1F51 S27E S2\" id=\"t59_113\">258,655 </span><span class=\"S1F52 S27E S2\" id=\"t5a_113\">16,660 </span><span class=\"S1F53 S27E S2\" id=\"t5b_113\">201 </span><span class=\"S1F54 S27D S2\" id=\"t5c_113\">4,230,289 </span><span class=\"S1F55 S27E S2\" id=\"t5d_113\">24,124 </span><span class=\"S1F56 S27E S2\" id=\"t5e_113\">11,285 </span><span class=\"S1F57 S27E S2\" id=\"t5f_113\">3,085 </span><span class=\"S1F58 S27E S2\" id=\"t5g_113\">29 </span><span class=\"S1F59 S27D S2\" id=\"t5h_113\">38,523 </span><span class=\"S1F5A S27E S2\" id=\"t5i_113\">Financial guarantees given </span><span class=\"S1F5B S27D S2\" id=\"t5j_113\">1,447,014 </span><span class=\"S1F5C S27E S2\" id=\"t5k_113\">1,378,871 </span><span class=\"S1F5D S27E S2\" id=\"t5l_113\">80,187 </span><span class=\"S1F5E S27E S2\" id=\"t5m_113\">7,515 </span><span class=\"S1F5F S27E S2\" id=\"t5n_113\">1 </span><span class=\"S1F60 S27D S2\" id=\"t5o_113\">1,466,574 </span><span class=\"S1F61 S27E S2\" id=\"t5p_113\">14,678 </span><span class=\"S1F62 S27E S2\" id=\"t5q_113\">2,932 </span><span class=\"S1F63 S27E S2\" id=\"t5r_113\">1,950 </span><span class=\"S1F64 S27E S2\" id=\"t5s_113\">- </span><span class=\"S1F65 S27D S2\" id=\"t5t_113\">19,560 </span><span class=\"S1F66 S27E S2\" id=\"t5u_113\">Other commitments given </span><span class=\"S1F67 S27D S2\" id=\"t5v_113\">559,224 </span><span class=\"S1F68 S27E S2\" id=\"t5w_113\">509,314 </span><span class=\"S1F69 S27E S2\" id=\"t5x_113\">20,394 </span><span class=\"S1F6A S27E S2\" id=\"t5y_113\">34,805 </span><span class=\"S1F6B S27E S2\" id=\"t5z_113\">- </span><span class=\"S1F6C S27D S2\" id=\"t60_113\">564,513 </span><span class=\"S1F6D S27E S2\" id=\"t61_113\">2,755 </span><span class=\"S1F6E S27E S2\" id=\"t62_113\">904 </span><span class=\"S1F6F S27E S2\" id=\"t63_113\">1,630 </span><span class=\"S1F70 S27E S2\" id=\"t64_113\">- </span><span class=\"S1F71 S27D S2\" id=\"t65_113\">5,289 </span><span class=\"S1F72 S27D S2\" id=\"t66_113\">Financial liabilities total </span><span class=\"S1F73 S27D S2\" id=\"t67_113\">6,198,004 </span><span class=\"S1F74 S27D S2\" id=\"t68_113\">5,842,958 </span><span class=\"S1F75 S27D S2\" id=\"t69_113\">359,236 </span><span class=\"S1F76 S27D S2\" id=\"t6a_113\">58,980 </span><span class=\"S1F77 S27D S2\" id=\"t6b_113\">202 </span><span class=\"S1F78 S27D S2\" id=\"t6c_113\">6,261,376 </span><span class=\"S1F79 S27D S2\" id=\"t6d_113\">41,557 </span><span class=\"S1F7A S27D S2\" id=\"t6e_113\">15,121 </span><span class=\"S1F7B S27D S2\" id=\"t6f_113\">6,665 </span><span class=\"S1F7C S27D S2\" id=\"t6g_113\">29 </span><span class=\"S1F7D S27D S2\" id=\"t6h_113\">63,372 </span><span class=\"S1F7E S482 S2\" id=\"t6i_113\">1 </span><span class=\"S1F7F S483 S2\" id=\"t6j_113\">Interest bearing securities at fair value through other comprehensive income are recognized in the Consolidated statement of financial position as at fair value (see in Note 9). Loss allowances for securities at fair value </span><span class=\"S1F80 S483 S2\" id=\"t6k_113\">through other comprehensive income that are in Stage 1 and / or in Stage 2 is recognized in the Other comprehensive income. It is included in the accumulated loss allowance of this table showed above. </span><span class=\"S1E99 SB S2\" id=\"t5_114\">37.1.  Credit risk [continued] </span><span class=\"S1F83 SB S2\" id=\"t6_114\">37.1.1.  Financial instruments by stages [continued] </span><span class=\"S1E9B SA7 S2\" id=\"t7_114\">Gross carrying amount and accumulated loss allowance of financial assets at amortized cost and of interest-bearing securities at fair value through other comprehensive </span><span class=\"S1E9C SA7 S2\" id=\"t8_114\">income and financial commitments and provision on them by stages as at 31 December 2021: </span><span class=\"S1E9D S27D S2\" id=\"t9_114\">Gross carrying amount / Notional value </span><span class=\"S1E9E S27D S2\" id=\"ta_114\">Accumulated loss allowance / Provision </span><span class=\"S1E9F S27D S2\" id=\"tb_114\">2021 </span><span class=\"S1F84 S27D S2\" id=\"tc_114\">Carrying </span><span class=\"S1EA1 S27D S2\" id=\"td_114\">amount / </span><span class=\"S1EA2 S27D S2\" id=\"te_114\">Exposure </span><span class=\"S1EA3 S27D S2\" id=\"tf_114\">Stage 1 </span><span class=\"S1EA4 S27D S2\" id=\"tg_114\">Stage 2 </span><span class=\"S1F85 S27D S2\" id=\"th_114\">Stage 3 </span><span class=\"S1EA6 S27D S2\" id=\"ti_114\">POCI </span><span class=\"S1EA7 S27D S2\" id=\"tj_114\">Total </span><span class=\"S1EA8 S27D S2\" id=\"tk_114\">Stage 1 </span><span class=\"S1EA9 S27D S2\" id=\"tl_114\">Stage 2 </span><span class=\"S1EAA S27D S2\" id=\"tm_114\">Stage 3 </span><span class=\"S1EAB S27D S2\" id=\"tn_114\">POCI </span><span class=\"S1EAC S27D S2\" id=\"to_114\">Total </span><span class=\"S1EAD S27E S2\" id=\"tp_114\">Placements with other banks </span><span class=\"S1EAE S27D S2\" id=\"tq_114\">1,584,861 </span><span class=\"S1F86 S27E S2\" id=\"tr_114\">1,587,827 </span><span class=\"S1F87 S27E S2\" id=\"ts_114\">- </span><span class=\"S1F88 S27E S2\" id=\"tt_114\">28 </span><span class=\"S1EB2 S27E S2\" id=\"tu_114\">- </span><span class=\"S1EB3 S27D S2\" id=\"tv_114\">1,587,855 </span><span class=\"S1EB4 S27E S2\" id=\"tw_114\">2,966 </span><span class=\"S1F89 S27E S2\" id=\"tx_114\">- </span><span class=\"S1EB6 S27E S2\" id=\"ty_114\">28 </span><span class=\"S1EB7 S27E S2\" id=\"tz_114\">- </span><span class=\"S1EB8 S27D S2\" id=\"t10_114\">2,994 </span><span class=\"S1EB9 S27E S2\" id=\"t11_114\">Repo receivables </span><span class=\"S1EBA S27D S2\" id=\"t12_114\">61,052 </span><span class=\"S1EBB S27E S2\" id=\"t13_114\">61,342 </span><span class=\"S1EBC S27E S2\" id=\"t14_114\">- </span><span class=\"S1EBD S27E S2\" id=\"t15_114\">- </span><span class=\"S1EBE S27E S2\" id=\"t16_114\">- </span><span class=\"S1EBF S27D S2\" id=\"t17_114\">61,342 </span><span class=\"S1EC0 S27E S2\" id=\"t18_114\">290 </span><span class=\"S1EC1 S27E S2\" id=\"t19_114\">- </span><span class=\"S1EC2 S27E S2\" id=\"t1a_114\">- </span><span class=\"S1EC3 S27E S2\" id=\"t1b_114\">- </span><span class=\"S1F8A S27D S2\" id=\"t1c_114\">290 </span><span class=\"S1EC5 S27E S2\" id=\"t1d_114\">Mortgage loans </span><span class=\"S1EC6 S27D S2\" id=\"t1e_114\">3,822,426 </span><span class=\"S1F8B S27E S2\" id=\"t1f_114\">3,173,491 </span><span class=\"S1EC8 S27E S2\" id=\"t1g_114\">559,939 </span><span class=\"S1F8C S27E S2\" id=\"t1h_114\">178,066 </span><span class=\"S1ECA S27E S2\" id=\"t1i_114\">57,988 </span><span class=\"S1ECB S27D S2\" id=\"t1j_114\">3,969,484 </span><span class=\"S1ECC S27E S2\" id=\"t1k_114\">10,450 </span><span class=\"S1F8D S27E S2\" id=\"t1l_114\">25,590 </span><span class=\"S1ECE S27E S2\" id=\"t1m_114\">84,937 </span><span class=\"S1ECF S27E S2\" id=\"t1n_114\">26,081 </span><span class=\"S1F8E S27D S2\" id=\"t1o_114\">147,058 </span><span class=\"S1ED1 S27E S2\" id=\"t1p_114\">Loans to medium </span><span class=\"S1ED2 S27E S2\" id=\"t1q_114\">and large corporates </span><span class=\"S1ED3 S27D S2\" id=\"t1r_114\">5,294,170 </span><span class=\"S1F8F S27E S2\" id=\"t1s_114\">4,680,180 </span><span class=\"S1ED5 S27E S2\" id=\"t1t_114\">657,586 </span><span class=\"S1F90 S27E S2\" id=\"t1u_114\">158,773 </span><span class=\"S1ED7 S27E S2\" id=\"t1v_114\">24,117 </span><span class=\"S1ED8 S27D S2\" id=\"t1w_114\">5,520,656 </span><span class=\"S1ED9 S27E S2\" id=\"t1x_114\">51,724 </span><span class=\"S1F91 S27E S2\" id=\"t1y_114\">69,724 </span><span class=\"S1F92 S27E S2\" id=\"t1z_114\">98,017 </span><span class=\"S1EDC S27E S2\" id=\"t20_114\">7,021 </span><span class=\"S1F93 S27D S2\" id=\"t21_114\">226,486 </span><span class=\"S1EDE S27E S2\" id=\"t22_114\">Consumer loans </span><span class=\"S1EDF S27D S2\" id=\"t23_114\">2,963,112 </span><span class=\"S1F94 S27E S2\" id=\"t24_114\">2,585,014 </span><span class=\"S1EE1 S27E S2\" id=\"t25_114\">422,975 </span><span class=\"S1F95 S27E S2\" id=\"t26_114\">356,485 </span><span class=\"S1EE3 S27E S2\" id=\"t27_114\">12,856 </span><span class=\"S1EE4 S27D S2\" id=\"t28_114\">3,377,330 </span><span class=\"S1EE5 S27E S2\" id=\"t29_114\">49,104 </span><span class=\"S1F96 S27E S2\" id=\"t2a_114\">84,158 </span><span class=\"S1EE7 S27E S2\" id=\"t2b_114\">274,098 </span><span class=\"S1EE8 S27E S2\" id=\"t2c_114\">6,858 </span><span class=\"S1F97 S27D S2\" id=\"t2d_114\">414,218 </span><span class=\"S1EEA S27E S2\" id=\"t2e_114\">Loans to micro </span><span class=\"S1EEB S27E S2\" id=\"t2f_114\">and small enterprises </span><span class=\"S1EEC S27D S2\" id=\"t2g_114\">500,991 </span><span class=\"S1EED S27E S2\" id=\"t2h_114\">412,247 </span><span class=\"S1F98 S27E S2\" id=\"t2i_114\">76,131 </span><span class=\"S1F99 S27E S2\" id=\"t2j_114\">54,458 </span><span class=\"S1EF0 S27E S2\" id=\"t2k_114\">2,339 </span><span class=\"S1EF1 S27D S2\" id=\"t2l_114\">545,175 </span><span class=\"S1EF2 S27E S2\" id=\"t2m_114\">4,751 </span><span class=\"S1EF3 S27E S2\" id=\"t2n_114\">9,707 </span><span class=\"S1EF4 S27E S2\" id=\"t2o_114\">28,351 </span><span class=\"S1EF5 S27E S2\" id=\"t2p_114\">1,375 </span><span class=\"S1F9A S27D S2\" id=\"t2q_114\">44,184 </span><span class=\"S1EF7 S27E S2\" id=\"t2r_114\">Car-finance loans </span><span class=\"S1EF8 S27D S2\" id=\"t2s_114\">446,341 </span><span class=\"S1EF9 S27E S2\" id=\"t2t_114\">370,790 </span><span class=\"S1EFA S27E S2\" id=\"t2u_114\">79,965 </span><span class=\"S1F9B S27E S2\" id=\"t2v_114\">9,675 </span><span class=\"S1EFC S27E S2\" id=\"t2w_114\">2,452 </span><span class=\"S1EFD S27D S2\" id=\"t2x_114\">462,882 </span><span class=\"S1EFE S27E S2\" id=\"t2y_114\">2,988 </span><span class=\"S1EFF S27E S2\" id=\"t2z_114\">4,978 </span><span class=\"S1F9C S27E S2\" id=\"t30_114\">6,508 </span><span class=\"S1F9D S27E S2\" id=\"t31_114\">2,067 </span><span class=\"S1F9E S27D S2\" id=\"t32_114\">16,541 </span><span class=\"S1F03 S27E S2\" id=\"t33_114\">Municipal loans </span><span class=\"S1F04 S27D S2\" id=\"t34_114\">466,143 </span><span class=\"S1F05 S27E S2\" id=\"t35_114\">444,944 </span><span class=\"S1F06 S27E S2\" id=\"t36_114\">23,890 </span><span class=\"S1F9F S27E S2\" id=\"t37_114\">816 </span><span class=\"S1F08 S27E S2\" id=\"t38_114\">- </span><span class=\"S1F09 S27D S2\" id=\"t39_114\">469,650 </span><span class=\"S1F0A S27E S2\" id=\"t3a_114\">1,372 </span><span class=\"S1F0B S27E S2\" id=\"t3b_114\">1,475 </span><span class=\"S1F0C S27E S2\" id=\"t3c_114\">660 </span><span class=\"S1F0D S27E S2\" id=\"t3d_114\">- </span><span class=\"S1F0E S27D S2\" id=\"t3e_114\">3,507 </span><span class=\"S1F0F S27D S2\" id=\"t3f_114\">Loans at amortized cost </span><span class=\"S1F10 S27D S2\" id=\"t3g_114\">13,493,183 </span><span class=\"S1FA0 S27D S2\" id=\"t3h_114\">11,666,666 </span><span class=\"S1F12 S27D S2\" id=\"t3i_114\">1,820,486 </span><span class=\"S1FA1 S27D S2\" id=\"t3j_114\">758,273 </span><span class=\"S1F14 S27D S2\" id=\"t3k_114\">99,752 </span><span class=\"S1F15 S27D S2\" id=\"t3l_114\">14,345,177 </span><span class=\"S1F16 S27D S2\" id=\"t3m_114\">120,389 </span><span class=\"S1FA2 S27D S2\" id=\"t3n_114\">195,632 </span><span class=\"S1F18 S27D S2\" id=\"t3o_114\">492,571 </span><span class=\"S1F19 S27D S2\" id=\"t3p_114\">43,402 </span><span class=\"S1FA3 S27D S2\" id=\"t3q_114\">851,994 </span><span class=\"S1F1B S27E S2\" id=\"t3r_114\">Finance lease receivable </span><span class=\"S1F1C S27D S2\" id=\"t3s_114\">1,182,628 </span><span class=\"S1FA4 S27E S2\" id=\"t3t_114\">959,361 </span><span class=\"S1F1E S27E S2\" id=\"t3u_114\">210,955 </span><span class=\"S1FA5 S27E S2\" id=\"t3v_114\">41,944 </span><span class=\"S1F20 S27E S2\" id=\"t3w_114\">371 </span><span class=\"S1F21 S27D S2\" id=\"t3x_114\">1,212,631 </span><span class=\"S1F22 S27E S2\" id=\"t3y_114\">4,432 </span><span class=\"S1FA6 S27E S2\" id=\"t3z_114\">11,140 </span><span class=\"S1F24 S27E S2\" id=\"t40_114\">14,243 </span><span class=\"S1F25 S27E S2\" id=\"t41_114\">188 </span><span class=\"S1FA7 S27D S2\" id=\"t42_114\">30,003 </span><span class=\"S1F27 S27E S2\" id=\"t43_114\">Interest bearing securities at </span><span class=\"S1F28 S27E S2\" id=\"t44_114\">fair value through other </span><span class=\"S1F29 S27E S2\" id=\"t45_114\">comprehensive income </span><span class=\"S1F2A S1F81 S2\" id=\"t46_114\">1 </span><span class=\"S1F2B S27D S2\" id=\"t47_114\">2,189,534 </span><span class=\"S1FA8 S27E S2\" id=\"t48_114\">2,187,835 </span><span class=\"S1FA9 S27E S2\" id=\"t49_114\">1,699 </span><span class=\"S1FAA S27E S2\" id=\"t4a_114\">- </span><span class=\"S1F2F S27E S2\" id=\"t4b_114\">- </span><span class=\"S1F30 S27D S2\" id=\"t4c_114\">2,189,534 </span><span class=\"S1FAB S27E S2\" id=\"t4d_114\">6,566 </span><span class=\"S1FAC S27E S2\" id=\"t4e_114\">144 </span><span class=\"S1FAD S27E S2\" id=\"t4f_114\">- </span><span class=\"S1F34 S27E S2\" id=\"t4g_114\">- </span><span class=\"S1FAE S27D S2\" id=\"t4h_114\">6,710 </span><span class=\"S1F36 S27E S2\" id=\"t4i_114\">Securities at amortized cost </span><span class=\"S1F37 S27D S2\" id=\"t4j_114\">3,891,335 </span><span class=\"S1FAF S27E S2\" id=\"t4k_114\">3,879,749 </span><span class=\"S1F39 S27E S2\" id=\"t4l_114\">20,699 </span><span class=\"S1FB0 S27E S2\" id=\"t4m_114\">- </span><span class=\"S1F3B S27E S2\" id=\"t4n_114\">- </span><span class=\"S1F3C S27D S2\" id=\"t4o_114\">3,900,448 </span><span class=\"S1FB1 S27E S2\" id=\"t4p_114\">7,789 </span><span class=\"S1FB2 S27E S2\" id=\"t4q_114\">1,324 </span><span class=\"S1FB3 S27E S2\" id=\"t4r_114\">- </span><span class=\"S1F40 S27E S2\" id=\"t4s_114\">- </span><span class=\"S1FB4 S27D S2\" id=\"t4t_114\">9,113 </span><span class=\"S1F42 S27D S2\" id=\"t4u_114\">Financial assets total </span><span class=\"S1F43 S27D S2\" id=\"t4v_114\">22,402,593 </span><span class=\"S1FB5 S27D S2\" id=\"t4w_114\">20,342,780 </span><span class=\"S1F45 S27D S2\" id=\"t4x_114\">2,053,839 </span><span class=\"S1FB6 S27D S2\" id=\"t4y_114\">800,245 </span><span class=\"S1FB7 S27D S2\" id=\"t4z_114\">100,123 </span><span class=\"S1F48 S27D S2\" id=\"t50_114\">23,296,987 </span><span class=\"S1F49 S27D S2\" id=\"t51_114\">142,432 </span><span class=\"S1FB8 S27D S2\" id=\"t52_114\">208,240 </span><span class=\"S1F4B S27D S2\" id=\"t53_114\">506,842 </span><span class=\"S1F4C S27D S2\" id=\"t54_114\">43,590 </span><span class=\"S1FB9 S27D S2\" id=\"t55_114\">901,104 </span><span class=\"S1F4E S27E S2\" id=\"t56_114\">Loan commitments given </span><span class=\"S1F4F S27D S2\" id=\"t57_114\">3,776,768 </span><span class=\"S1FBA S27E S2\" id=\"t58_114\">3,665,153 </span><span class=\"S1F51 S27E S2\" id=\"t59_114\">128,603 </span><span class=\"S1FBB S27E S2\" id=\"t5a_114\">14,805 </span><span class=\"S1F53 S27E S2\" id=\"t5b_114\">211 </span><span class=\"S1F54 S27D S2\" id=\"t5c_114\">3,808,772 </span><span class=\"S1F55 S27E S2\" id=\"t5d_114\">20,539 </span><span class=\"S1FBC S27E S2\" id=\"t5e_114\">7,482 </span><span class=\"S1F57 S27E S2\" id=\"t5f_114\">3,961 </span><span class=\"S1F58 S27E S2\" id=\"t5g_114\">22 </span><span class=\"S1FBD S27D S2\" id=\"t5h_114\">32,004 </span><span class=\"S1F5A S27E S2\" id=\"t5i_114\">Financial guarantees given </span><span class=\"S1FBE S27D S2\" id=\"t5j_114\">913,038 </span><span class=\"S1FBF S27E S2\" id=\"t5k_114\">887,585 </span><span class=\"S1F5D S27E S2\" id=\"t5l_114\">35,648 </span><span class=\"S1F5E S27E S2\" id=\"t5m_114\">4,568 </span><span class=\"S1F5F S27E S2\" id=\"t5n_114\">7 </span><span class=\"S1FC0 S27D S2\" id=\"t5o_114\">927,808 </span><span class=\"S1F61 S27E S2\" id=\"t5p_114\">11,814 </span><span class=\"S1F62 S27E S2\" id=\"t5q_114\">1,408 </span><span class=\"S1F63 S27E S2\" id=\"t5r_114\">1,542 </span><span class=\"S1FC1 S27E S2\" id=\"t5s_114\">6 </span><span class=\"S1FC2 S27D S2\" id=\"t5t_114\">14,770 </span><span class=\"S1F66 S27E S2\" id=\"t5u_114\">Other commitments given </span><span class=\"S1FC3 S27D S2\" id=\"t5v_114\">1,174,462 </span><span class=\"S1FC4 S27E S2\" id=\"t5w_114\">1,127,354 </span><span class=\"S1F69 S27E S2\" id=\"t5x_114\">44,064 </span><span class=\"S1FC5 S27E S2\" id=\"t5y_114\">8,260 </span><span class=\"S1F6B S27E S2\" id=\"t5z_114\">- </span><span class=\"S1FC6 S27D S2\" id=\"t60_114\">1,179,678 </span><span class=\"S1F6D S27E S2\" id=\"t61_114\">3,170 </span><span class=\"S1FC7 S27E S2\" id=\"t62_114\">1,140 </span><span class=\"S1FC8 S27E S2\" id=\"t63_114\">906 </span><span class=\"S1F70 S27E S2\" id=\"t64_114\">- </span><span class=\"S1F71 S27D S2\" id=\"t65_114\">5,216 </span><span class=\"S1F72 S27D S2\" id=\"t66_114\">Financial liabilities total </span><span class=\"S1F73 S27D S2\" id=\"t67_114\">5,864,268 </span><span class=\"S1FC9 S27D S2\" id=\"t68_114\">5,680,092 </span><span class=\"S1F75 S27D S2\" id=\"t69_114\">208,315 </span><span class=\"S1FCA S27D S2\" id=\"t6a_114\">27,633 </span><span class=\"S1F77 S27D S2\" id=\"t6b_114\">218 </span><span class=\"S1F78 S27D S2\" id=\"t6c_114\">5,916,258 </span><span class=\"S1F79 S27D S2\" id=\"t6d_114\">35,523 </span><span class=\"S1FCB S27D S2\" id=\"t6e_114\">10,030 </span><span class=\"S1F7B S27D S2\" id=\"t6f_114\">6,409 </span><span class=\"S1F7C S27D S2\" id=\"t6g_114\">28 </span><span class=\"S1FCC S27D S2\" id=\"t6h_114\">51,990 </span><span class=\"S1FCD S482 S2\" id=\"t6i_114\">1 </span><span class=\"S1FCE S483 S2\" id=\"t6j_114\">Interest bearing securities at fair value through other comprehensive income are recognized in the Consolidated statement of financial position as at fair value (see in Note 9). Loss allowances for securities at fair value </span><span class=\"S1FCF S483 S2\" id=\"t6k_114\">through other comprehensive income that are in Stage 1 and / or in Stage 2 is recognized in the Other comprehensive income. It is included in the accumulated loss allowance of this table showed above. </span><span class=\"S1FD0 SB S2\" id=\"t5_115\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_115\">37.1.2. </span><span class=\"S1FD2 SB S2\" id=\"t7_115\">Movement table of loss allowance / provision on financial instruments </span><span class=\"S1FD3 SA7 S2\" id=\"t8_115\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1FD4 SA7 S2\" id=\"t9_115\">financial commitments as at 31 December 2022: </span><span class=\"S1FD5 SC43 S2\" id=\"ta_115\">2022 </span><span class=\"S1FD6 SC43 S2\" id=\"tb_115\">Opening </span><span class=\"S1FD7 SC43 S2\" id=\"tc_115\">balance </span><span class=\"S1FD8 SC43 S2\" id=\"td_115\">Increases </span><span class=\"S1FD9 SC43 S2\" id=\"te_115\">due to </span><span class=\"S1FDA SC43 S2\" id=\"tf_115\">origination </span><span class=\"S1FDB SC43 S2\" id=\"tg_115\">and </span><span class=\"S1FDC SC43 S2\" id=\"th_115\">acquisition </span><span class=\"S1FDD SC43 S2\" id=\"ti_115\">Decreases due </span><span class=\"S1FDE SC43 S2\" id=\"tj_115\">to derecognition </span><span class=\"S1FDF SC43 S2\" id=\"tk_115\">Transfers </span><span class=\"S1FE0 SC43 S2\" id=\"tl_115\">between </span><span class=\"S1FE1 SC43 S2\" id=\"tm_115\">stages (net) </span><span class=\"S1FE2 SC43 S2\" id=\"tn_115\">Changes </span><span class=\"S1FE3 SC43 S2\" id=\"to_115\">due to </span><span class=\"S1FE4 SC43 S2\" id=\"tp_115\">change in </span><span class=\"S1FE5 SC43 S2\" id=\"tq_115\">credit risk </span><span class=\"S1FE6 SC43 S2\" id=\"tr_115\">(net) </span><span class=\"S1FE7 SC43 S2\" id=\"ts_115\">Changes due </span><span class=\"S1FE8 SC43 S2\" id=\"tt_115\">to </span><span class=\"S1FE9 SC43 S2\" id=\"tu_115\">modifications </span><span class=\"S1FEA SC43 S2\" id=\"tv_115\">without </span><span class=\"S1FEB SC43 S2\" id=\"tw_115\">derecognition </span><span class=\"S1FEC SC43 S2\" id=\"tx_115\">(net) </span><span class=\"S1FED SC43 S2\" id=\"ty_115\">Decrease in loss </span><span class=\"S1FEE SC43 S2\" id=\"tz_115\">allowance account </span><span class=\"S1FEF SC43 S2\" id=\"t10_115\">due to write-offs </span><span class=\"S1FF0 SC43 S2\" id=\"t11_115\">Other </span><span class=\"S1FF1 SC43 S2\" id=\"t12_115\">adjustments </span><span class=\"S1FF2 S20BA S2\" id=\"t13_115\">1 </span><span class=\"S1FF3 SC43 S2\" id=\"t14_115\">Closing </span><span class=\"S1FF4 SC43 S2\" id=\"t15_115\">balance </span><span class=\"S1FF5 SC43 S2\" id=\"t16_115\">Stage 1 </span><span class=\"S1FF6 SC43 S2\" id=\"t17_115\">142,432 </span><span class=\"S1FF7 SC43 S2\" id=\"t18_115\">138,017 </span><span class=\"S1FF8 SC43 S2\" id=\"t19_115\">(43,066) </span><span class=\"S1FF9 SC43 S2\" id=\"t1a_115\">(120,475) </span><span class=\"S1FFA SC43 S2\" id=\"t1b_115\">71,441 </span><span class=\"S1FFB SC43 S2\" id=\"t1c_115\">(4,547) </span><span class=\"S1FFC SC43 S2\" id=\"t1d_115\">(88) </span><span class=\"S1FFD SC43 S2\" id=\"t1e_115\">14,743 </span><span class=\"S1FFE SC43 S2\" id=\"t1f_115\">198,457 </span><span class=\"S1FFF S483 S2\" id=\"t1g_115\">Placements with other banks </span><span class=\"S2000 S483 S2\" id=\"t1h_115\">2,966 </span><span class=\"S2001 S483 S2\" id=\"t1i_115\">34,558 </span><span class=\"S2002 S483 S2\" id=\"t1j_115\">(11,574) </span><span class=\"S2003 S483 S2\" id=\"t1k_115\">(1,345) </span><span class=\"S2004 S483 S2\" id=\"t1l_115\">(20,902) </span><span class=\"S2005 S483 S2\" id=\"t1m_115\">- </span><span class=\"S2006 S483 S2\" id=\"t1n_115\">- </span><span class=\"S2007 S483 S2\" id=\"t1o_115\">98 </span><span class=\"S2008 S483 S2\" id=\"t1p_115\">3,801 </span><span class=\"S2009 S483 S2\" id=\"t1q_115\">Repo receivables </span><span class=\"S200A S483 S2\" id=\"t1r_115\">290 </span><span class=\"S200B S483 S2\" id=\"t1s_115\">4,457 </span><span class=\"S200C S483 S2\" id=\"t1t_115\">(389) </span><span class=\"S200D S483 S2\" id=\"t1u_115\">- </span><span class=\"S200E S483 S2\" id=\"t1v_115\">(1,044) </span><span class=\"S200F S483 S2\" id=\"t1w_115\">- </span><span class=\"S2010 S483 S2\" id=\"t1x_115\">- </span><span class=\"S2011 S483 S2\" id=\"t1y_115\">(3,073) </span><span class=\"S2012 S483 S2\" id=\"t1z_115\">241 </span><span class=\"S2013 S483 S2\" id=\"t20_115\">Loans at amortized cost </span><span class=\"S2014 S483 S2\" id=\"t21_115\">120,389 </span><span class=\"S2015 S483 S2\" id=\"t22_115\">93,238 </span><span class=\"S2016 S483 S2\" id=\"t23_115\">(28,281) </span><span class=\"S2017 S483 S2\" id=\"t24_115\">(101,521) </span><span class=\"S2018 S483 S2\" id=\"t25_115\">56,228 </span><span class=\"S2019 S483 S2\" id=\"t26_115\">(4,576) </span><span class=\"S201A S483 S2\" id=\"t27_115\">(88) </span><span class=\"S201B S483 S2\" id=\"t28_115\">16,800 </span><span class=\"S201C S483 S2\" id=\"t29_115\">152,189 </span><span class=\"S201D S483 S2\" id=\"t2a_115\">Finance lease receivables </span><span class=\"S201E S483 S2\" id=\"t2b_115\">4,432 </span><span class=\"S201F S483 S2\" id=\"t2c_115\">2,647 </span><span class=\"S2020 S483 S2\" id=\"t2d_115\">(1,105) </span><span class=\"S2021 S483 S2\" id=\"t2e_115\">1,668 </span><span class=\"S2022 S483 S2\" id=\"t2f_115\">(3,384) </span><span class=\"S2023 S483 S2\" id=\"t2g_115\">29 </span><span class=\"S2024 S483 S2\" id=\"t2h_115\">- </span><span class=\"S2025 S483 S2\" id=\"t2i_115\">510 </span><span class=\"S2026 S483 S2\" id=\"t2j_115\">4,797 </span><span class=\"S2027 S483 S2\" id=\"t2k_115\">Interest bearing securities at fair value through </span><span class=\"S2028 S483 S2\" id=\"t2l_115\">other comprehensive income and securities </span><span class=\"S2029 S483 S2\" id=\"t2m_115\">at amortized cost </span><span class=\"S202A S483 S2\" id=\"t2n_115\">14,355 </span><span class=\"S202B S483 S2\" id=\"t2o_115\">3,117 </span><span class=\"S202C S483 S2\" id=\"t2p_115\">(1,717) </span><span class=\"S202D S483 S2\" id=\"t2q_115\">(19,277) </span><span class=\"S202E S483 S2\" id=\"t2r_115\">40,543 </span><span class=\"S202F S483 S2\" id=\"t2s_115\">- </span><span class=\"S2030 S483 S2\" id=\"t2t_115\">408 </span><span class=\"S2031 S483 S2\" id=\"t2u_115\">37,429 </span><span class=\"S2032 SC43 S2\" id=\"t2v_115\">Stage 2 </span><span class=\"S2033 SC43 S2\" id=\"t2w_115\">208,240 </span><span class=\"S2034 SC43 S2\" id=\"t2x_115\">52,749 </span><span class=\"S2035 SC43 S2\" id=\"t2y_115\">(24,038) </span><span class=\"S2036 SC43 S2\" id=\"t2z_115\">9,927 </span><span class=\"S2037 SC43 S2\" id=\"t30_115\">(26,352) </span><span class=\"S2038 SC43 S2\" id=\"t31_115\">6,158 </span><span class=\"S2039 SC43 S2\" id=\"t32_115\">(959) </span><span class=\"S203A SC43 S2\" id=\"t33_115\">15,144 </span><span class=\"S203B SC43 S2\" id=\"t34_115\">240,869 </span><span class=\"S203C S483 S2\" id=\"t35_115\">Placements with other banks </span><span class=\"S203D S483 S2\" id=\"t36_115\">- </span><span class=\"S203E S483 S2\" id=\"t37_115\">- </span><span class=\"S203F S483 S2\" id=\"t38_115\">- </span><span class=\"S2040 S483 S2\" id=\"t39_115\">1,345 </span><span class=\"S2041 S483 S2\" id=\"t3a_115\">(1,518) </span><span class=\"S2042 S483 S2\" id=\"t3b_115\">- </span><span class=\"S2043 S483 S2\" id=\"t3c_115\">- </span><span class=\"S2044 S483 S2\" id=\"t3d_115\">185 </span><span class=\"S2045 S483 S2\" id=\"t3e_115\">12 </span><span class=\"S2046 S483 S2\" id=\"t3f_115\">Repo receivables </span><span class=\"S2047 S483 S2\" id=\"t3g_115\">- </span><span class=\"S2048 S483 S2\" id=\"t3h_115\">- </span><span class=\"S2049 S483 S2\" id=\"t3i_115\">- </span><span class=\"S204A S483 S2\" id=\"t3j_115\">- </span><span class=\"S204B S483 S2\" id=\"t3k_115\">- </span><span class=\"S204C S483 S2\" id=\"t3l_115\">- </span><span class=\"S204D S483 S2\" id=\"t3m_115\">- </span><span class=\"S204E S483 S2\" id=\"t3n_115\">- </span><span class=\"S204F S483 S2\" id=\"t3o_115\">- </span><span class=\"S2050 S483 S2\" id=\"t3p_115\">Loans at amortized cost </span><span class=\"S2051 S483 S2\" id=\"t3q_115\">195,632 </span><span class=\"S2052 S483 S2\" id=\"t3r_115\">42,790 </span><span class=\"S2053 S483 S2\" id=\"t3s_115\">(22,408) </span><span class=\"S2054 S483 S2\" id=\"t3t_115\">12,796 </span><span class=\"S2055 S483 S2\" id=\"t3u_115\">(23,558) </span><span class=\"S2056 S483 S2\" id=\"t3v_115\">6,174 </span><span class=\"S2057 S483 S2\" id=\"t3w_115\">(959) </span><span class=\"S2058 S483 S2\" id=\"t3x_115\">13,498 </span><span class=\"S2059 S483 S2\" id=\"t3y_115\">223,965 </span><span class=\"S205A S483 S2\" id=\"t3z_115\">Finance lease receivables </span><span class=\"S205B S483 S2\" id=\"t40_115\">11,140 </span><span class=\"S205C S483 S2\" id=\"t41_115\">6,646 </span><span class=\"S205D S483 S2\" id=\"t42_115\">(1,630) </span><span class=\"S205E S483 S2\" id=\"t43_115\">(4,296) </span><span class=\"S205F S483 S2\" id=\"t44_115\">2,102 </span><span class=\"S2060 S483 S2\" id=\"t45_115\">(16) </span><span class=\"S2061 S483 S2\" id=\"t46_115\">- </span><span class=\"S2062 S483 S2\" id=\"t47_115\">1,295 </span><span class=\"S2063 S483 S2\" id=\"t48_115\">15,241 </span><span class=\"S2064 S483 S2\" id=\"t49_115\">Interest bearing securities at fair value through </span><span class=\"S2065 S483 S2\" id=\"t4a_115\">other comprehensive income and securities </span><span class=\"S2066 S483 S2\" id=\"t4b_115\">at amortized cost </span><span class=\"S2067 S483 S2\" id=\"t4c_115\">1,468 </span><span class=\"S2068 S483 S2\" id=\"t4d_115\">3,313 </span><span class=\"S2069 S483 S2\" id=\"t4e_115\">- </span><span class=\"S206A S483 S2\" id=\"t4f_115\">82 </span><span class=\"S206B S483 S2\" id=\"t4g_115\">(3,378) </span><span class=\"S206C S483 S2\" id=\"t4h_115\">- </span><span class=\"S206D S483 S2\" id=\"t4i_115\">- </span><span class=\"S206E S483 S2\" id=\"t4j_115\">166 </span><span class=\"S206F S483 S2\" id=\"t4k_115\">1,651 </span><span class=\"S2070 SC43 S2\" id=\"t4l_115\">Stage 3 </span><span class=\"S2071 SC43 S2\" id=\"t4m_115\">506,842 </span><span class=\"S2072 SC43 S2\" id=\"t4n_115\">72,119 </span><span class=\"S2073 SC43 S2\" id=\"t4o_115\">(52,134) </span><span class=\"S2074 SC43 S2\" id=\"t4p_115\">110,548 </span><span class=\"S2075 SC43 S2\" id=\"t4q_115\">69,855 </span><span class=\"S2076 SC43 S2\" id=\"t4r_115\">743 </span><span class=\"S2077 SC43 S2\" id=\"t4s_115\">(124,057) </span><span class=\"S2078 SC43 S2\" id=\"t4t_115\">49,050 </span><span class=\"S2079 SC43 S2\" id=\"t4u_115\">632,966 </span><span class=\"S207A S483 S2\" id=\"t4v_115\">Placements with other banks </span><span class=\"S207B S483 S2\" id=\"t4w_115\">28 </span><span class=\"S207C S483 S2\" id=\"t4x_115\">11 </span><span class=\"S207D S483 S2\" id=\"t4y_115\">(14) </span><span class=\"S207E S483 S2\" id=\"t4z_115\">- </span><span class=\"S207F S483 S2\" id=\"t50_115\">(121) </span><span class=\"S2080 S483 S2\" id=\"t51_115\">- </span><span class=\"S2081 S483 S2\" id=\"t52_115\">(4) </span><span class=\"S2082 S483 S2\" id=\"t53_115\">124 </span><span class=\"S2083 S483 S2\" id=\"t54_115\">24 </span><span class=\"S2084 S483 S2\" id=\"t55_115\">Repo receivables </span><span class=\"S2085 S483 S2\" id=\"t56_115\">- </span><span class=\"S2086 S483 S2\" id=\"t57_115\">- </span><span class=\"S2087 S483 S2\" id=\"t58_115\">- </span><span class=\"S2088 S483 S2\" id=\"t59_115\">- </span><span class=\"S2089 S483 S2\" id=\"t5a_115\">- </span><span class=\"S208A S483 S2\" id=\"t5b_115\">- </span><span class=\"S208B S483 S2\" id=\"t5c_115\">- </span><span class=\"S208C S483 S2\" id=\"t5d_115\">- </span><span class=\"S208D S483 S2\" id=\"t5e_115\">- </span><span class=\"S208E S483 S2\" id=\"t5f_115\">Loans at amortized cost </span><span class=\"S208F S483 S2\" id=\"t5g_115\">492,571 </span><span class=\"S2090 S483 S2\" id=\"t5h_115\">34,977 </span><span class=\"S2091 S483 S2\" id=\"t5i_115\">(49,466) </span><span class=\"S2092 S483 S2\" id=\"t5j_115\">88,725 </span><span class=\"S2093 S483 S2\" id=\"t5k_115\">67,932 </span><span class=\"S2094 S483 S2\" id=\"t5l_115\">743 </span><span class=\"S2095 S483 S2\" id=\"t5m_115\">(122,687) </span><span class=\"S2096 S483 S2\" id=\"t5n_115\">43,678 </span><span class=\"S2097 S483 S2\" id=\"t5o_115\">556,473 </span><span class=\"S2098 S483 S2\" id=\"t5p_115\">Finance lease receivables </span><span class=\"S2099 S483 S2\" id=\"t5q_115\">14,243 </span><span class=\"S209A S483 S2\" id=\"t5r_115\">12,732 </span><span class=\"S209B S483 S2\" id=\"t5s_115\">(2,654) </span><span class=\"S209C S483 S2\" id=\"t5t_115\">2,628 </span><span class=\"S209D S483 S2\" id=\"t5u_115\">3,374 </span><span class=\"S209E S483 S2\" id=\"t5v_115\">- </span><span class=\"S209F S483 S2\" id=\"t5w_115\">(1,366) </span><span class=\"S20A0 S483 S2\" id=\"t5x_115\">3,918 </span><span class=\"S20A1 S483 S2\" id=\"t5y_115\">32,875 </span><span class=\"S20A2 S483 S2\" id=\"t5z_115\">Interest bearing securities at fair value through </span><span class=\"S20A3 S483 S2\" id=\"t60_115\">other comprehensive income and securities </span><span class=\"S20A4 S483 S2\" id=\"t61_115\">at amortized cost </span><span class=\"S20A5 S483 S2\" id=\"t62_115\">- </span><span class=\"S20A6 S483 S2\" id=\"t63_115\">24,399 </span><span class=\"S20A7 S483 S2\" id=\"t64_115\">- </span><span class=\"S20A8 S483 S2\" id=\"t65_115\">19,195 </span><span class=\"S20A9 S483 S2\" id=\"t66_115\">(1,330) </span><span class=\"S20AA S483 S2\" id=\"t67_115\">- </span><span class=\"S20AB S483 S2\" id=\"t68_115\">- </span><span class=\"S20AC S483 S2\" id=\"t69_115\">1,330 </span><span class=\"S20AD S483 S2\" id=\"t6a_115\">43,594 </span><span class=\"S20AE SC43 S2\" id=\"t6b_115\">Loss allowance on financial assets subtotal </span><span class=\"S20AF SC43 S2\" id=\"t6c_115\">857,514 </span><span class=\"S20B0 SC43 S2\" id=\"t6d_115\">262,885 </span><span class=\"S20B1 SC43 S2\" id=\"t6e_115\">(119,238) </span><span class=\"S20B2 SC43 S2\" id=\"t6f_115\">- </span><span class=\"S20B3 SC43 S2\" id=\"t6g_115\">114,944 </span><span class=\"S20B4 SC43 S2\" id=\"t6h_115\">2,354 </span><span class=\"S20B5 SC43 S2\" id=\"t6i_115\">(125,104) </span><span class=\"S20B6 SC43 S2\" id=\"t6j_115\">78,937 </span><span class=\"S20B7 SC43 S2\" id=\"t6k_115\">1,072,292 </span><span class=\"S20B8 S482 S2\" id=\"t6l_115\">1 </span><span class=\"S20B9 S483 S2\" id=\"t6m_115\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_116\">37.1.  Credit risk [continued] </span><span class=\"S20BB SB S2\" id=\"t6_116\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_116\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1E9C SA7 S2\" id=\"t8_116\">financial commitments as at 31 December 2022 [continued]: </span><span class=\"S1FD5 SC43 S2\" id=\"t9_116\">2022 </span><span class=\"S1FD6 SC43 S2\" id=\"ta_116\">Opening </span><span class=\"S1FD7 SC43 S2\" id=\"tb_116\">balance </span><span class=\"S1FD8 SC43 S2\" id=\"tc_116\">Increases </span><span class=\"S1FD9 SC43 S2\" id=\"td_116\">due to </span><span class=\"S1FDA SC43 S2\" id=\"te_116\">origination </span><span class=\"S20BC SC43 S2\" id=\"tf_116\">and </span><span class=\"S1FDC SC43 S2\" id=\"tg_116\">acquisition </span><span class=\"S1FDD SC43 S2\" id=\"th_116\">Decreases due </span><span class=\"S1FDE SC43 S2\" id=\"ti_116\">to derecognition </span><span class=\"S1FDF SC43 S2\" id=\"tj_116\">Transfers </span><span class=\"S1FE0 SC43 S2\" id=\"tk_116\">between </span><span class=\"S1FE1 SC43 S2\" id=\"tl_116\">stages (net) </span><span class=\"S1FE2 SC43 S2\" id=\"tm_116\">Changes </span><span class=\"S1FE3 SC43 S2\" id=\"tn_116\">due to </span><span class=\"S1FE4 SC43 S2\" id=\"to_116\">change in </span><span class=\"S1FE5 SC43 S2\" id=\"tp_116\">credit risk </span><span class=\"S1FE6 SC43 S2\" id=\"tq_116\">(net) </span><span class=\"S1FE7 SC43 S2\" id=\"tr_116\">Changes due </span><span class=\"S1FE8 SC43 S2\" id=\"ts_116\">to </span><span class=\"S1FE9 SC43 S2\" id=\"tt_116\">modifications </span><span class=\"S1FEA SC43 S2\" id=\"tu_116\">without </span><span class=\"S1FEB SC43 S2\" id=\"tv_116\">derecognition </span><span class=\"S1FEC SC43 S2\" id=\"tw_116\">(net) </span><span class=\"S1FED SC43 S2\" id=\"tx_116\">Decrease in loss </span><span class=\"S20BD SC43 S2\" id=\"ty_116\">allowance account </span><span class=\"S1FEF SC43 S2\" id=\"tz_116\">due to write-offs </span><span class=\"S1FF0 SC43 S2\" id=\"t10_116\">Other </span><span class=\"S1FF1 SC43 S2\" id=\"t11_116\">adjustments </span><span class=\"S1FF2 S20BA S2\" id=\"t12_116\">1 </span><span class=\"S1FF3 SC43 S2\" id=\"t13_116\">Closing </span><span class=\"S1FF4 SC43 S2\" id=\"t14_116\">balance </span><span class=\"S20BE SC43 S2\" id=\"t15_116\">POCI </span><span class=\"S20BF SC43 S2\" id=\"t16_116\">43,590 </span><span class=\"S20C0 SC43 S2\" id=\"t17_116\">- </span><span class=\"S20C1 SC43 S2\" id=\"t18_116\">(3,534) </span><span class=\"S20C2 SC43 S2\" id=\"t19_116\">- </span><span class=\"S20C3 SC43 S2\" id=\"t1a_116\">6,116 </span><span class=\"S20C4 SC43 S2\" id=\"t1b_116\">(138) </span><span class=\"S20C5 SC43 S2\" id=\"t1c_116\">(6,610) </span><span class=\"S20C6 SC43 S2\" id=\"t1d_116\">(5,473) </span><span class=\"S20C7 SC43 S2\" id=\"t1e_116\">33,951 </span><span class=\"S20C8 S483 S2\" id=\"t1f_116\">Placements with other banks </span><span class=\"S20C9 S483 S2\" id=\"t1g_116\">- </span><span class=\"S20CA S483 S2\" id=\"t1h_116\">- </span><span class=\"S20CB S483 S2\" id=\"t1i_116\">- </span><span class=\"S200D S483 S2\" id=\"t1j_116\">- </span><span class=\"S20CC S483 S2\" id=\"t1k_116\">- </span><span class=\"S200F S483 S2\" id=\"t1l_116\">- </span><span class=\"S2010 S483 S2\" id=\"t1m_116\">- </span><span class=\"S20CD S483 S2\" id=\"t1n_116\">- </span><span class=\"S20CE S483 S2\" id=\"t1o_116\">- </span><span class=\"S20CF S483 S2\" id=\"t1p_116\">Repo receivables </span><span class=\"S20D0 S483 S2\" id=\"t1q_116\">- </span><span class=\"S20D1 S483 S2\" id=\"t1r_116\">- </span><span class=\"S20D2 S483 S2\" id=\"t1s_116\">- </span><span class=\"S20D3 S483 S2\" id=\"t1t_116\">- </span><span class=\"S20D4 S483 S2\" id=\"t1u_116\">- </span><span class=\"S20D5 S483 S2\" id=\"t1v_116\">- </span><span class=\"S20D6 S483 S2\" id=\"t1w_116\">- </span><span class=\"S20D7 S483 S2\" id=\"t1x_116\">- </span><span class=\"S20D8 S483 S2\" id=\"t1y_116\">- </span><span class=\"S20D9 S483 S2\" id=\"t1z_116\">Loans at amortized cost </span><span class=\"S20DA S483 S2\" id=\"t20_116\">43,402 </span><span class=\"S2020 S483 S2\" id=\"t21_116\">(3,434) </span><span class=\"S20DB S483 S2\" id=\"t22_116\">- </span><span class=\"S20DC S483 S2\" id=\"t23_116\">6,098 </span><span class=\"S20DD S483 S2\" id=\"t24_116\">(138) </span><span class=\"S20DE S483 S2\" id=\"t25_116\">(6,572) </span><span class=\"S20DF S483 S2\" id=\"t26_116\">(5,623) </span><span class=\"S20E0 S483 S2\" id=\"t27_116\">33,733 </span><span class=\"S20E1 S483 S2\" id=\"t28_116\">Finance lease receivables </span><span class=\"S20E2 S483 S2\" id=\"t29_116\">188 </span><span class=\"S20E3 S483 S2\" id=\"t2a_116\">- </span><span class=\"S20E4 S483 S2\" id=\"t2b_116\">(100) </span><span class=\"S20E5 S483 S2\" id=\"t2c_116\">- </span><span class=\"S20E6 S483 S2\" id=\"t2d_116\">18 </span><span class=\"S20E7 S483 S2\" id=\"t2e_116\">- </span><span class=\"S20E8 S483 S2\" id=\"t2f_116\">(38) </span><span class=\"S20E9 S483 S2\" id=\"t2g_116\">150 </span><span class=\"S20EA S483 S2\" id=\"t2h_116\">218 </span><span class=\"S20EB S483 S2\" id=\"t2i_116\">Interest bearing securities at fair value through </span><span class=\"S20EC S483 S2\" id=\"t2j_116\">other comprehensive income and securities </span><span class=\"S20ED S483 S2\" id=\"t2k_116\">at amortized cost </span><span class=\"S20EE S483 S2\" id=\"t2l_116\">- </span><span class=\"S20EF S483 S2\" id=\"t2m_116\">- </span><span class=\"S20F0 S483 S2\" id=\"t2n_116\">- </span><span class=\"S20F1 S483 S2\" id=\"t2o_116\">- </span><span class=\"S20F2 S483 S2\" id=\"t2p_116\">- </span><span class=\"S20F3 S483 S2\" id=\"t2q_116\">- </span><span class=\"S20F4 S483 S2\" id=\"t2r_116\">- </span><span class=\"S20F5 S483 S2\" id=\"t2s_116\">- </span><span class=\"S20F6 S483 S2\" id=\"t2t_116\">- </span><span class=\"S20F7 SC43 S2\" id=\"t2u_116\">Loss allowance on financial assets total </span><span class=\"S20F8 SC43 S2\" id=\"t2v_116\">901,104 </span><span class=\"S20F9 SC43 S2\" id=\"t2w_116\">262,885 </span><span class=\"S20FA SC43 S2\" id=\"t2x_116\">(122,772) </span><span class=\"S20FB SC43 S2\" id=\"t2y_116\">- </span><span class=\"S20FC SC43 S2\" id=\"t2z_116\">121,060 </span><span class=\"S20FD SC43 S2\" id=\"t30_116\">2,216 </span><span class=\"S20FE SC43 S2\" id=\"t31_116\">(131,714) </span><span class=\"S20FF SC43 S2\" id=\"t32_116\">73,464 </span><span class=\"S2100 SC43 S2\" id=\"t33_116\">1,106,243 </span><span class=\"S2101 S483 S2\" id=\"t34_116\">Loan commitments and financial guarantees </span><span class=\"S2102 S483 S2\" id=\"t35_116\">given - stage 1 </span><span class=\"S205B S483 S2\" id=\"t36_116\">35,523 </span><span class=\"S2103 S483 S2\" id=\"t37_116\">22,118 </span><span class=\"S205D S483 S2\" id=\"t38_116\">(6,033) </span><span class=\"S2104 S483 S2\" id=\"t39_116\">(10,309) </span><span class=\"S2105 S483 S2\" id=\"t3a_116\">708 </span><span class=\"S2106 S483 S2\" id=\"t3b_116\">(1,368) </span><span class=\"S2061 S483 S2\" id=\"t3c_116\">- </span><span class=\"S2107 S483 S2\" id=\"t3d_116\">918 </span><span class=\"S2063 S483 S2\" id=\"t3e_116\">41,557 </span><span class=\"S2108 S483 S2\" id=\"t3f_116\">Loan commitments and financial guarantees </span><span class=\"S2109 S483 S2\" id=\"t3g_116\">given - stage 2 </span><span class=\"S210A S483 S2\" id=\"t3h_116\">10,030 </span><span class=\"S210B S483 S2\" id=\"t3i_116\">4,024 </span><span class=\"S210C S483 S2\" id=\"t3j_116\">(2,236) </span><span class=\"S210D S483 S2\" id=\"t3k_116\">6,939 </span><span class=\"S210E S483 S2\" id=\"t3l_116\">(6,070) </span><span class=\"S210F S483 S2\" id=\"t3m_116\">302 </span><span class=\"S2110 S483 S2\" id=\"t3n_116\">(11) </span><span class=\"S2111 S483 S2\" id=\"t3o_116\">2,143 </span><span class=\"S2112 S483 S2\" id=\"t3p_116\">15,121 </span><span class=\"S2113 S483 S2\" id=\"t3q_116\">Loan commitments and financial guarantees </span><span class=\"S2114 S483 S2\" id=\"t3r_116\">given - stage 3 </span><span class=\"S2115 S483 S2\" id=\"t3s_116\">6,409 </span><span class=\"S2116 S483 S2\" id=\"t3t_116\">1,975 </span><span class=\"S2117 S483 S2\" id=\"t3u_116\">(619) </span><span class=\"S2118 S483 S2\" id=\"t3v_116\">3,370 </span><span class=\"S2119 S483 S2\" id=\"t3w_116\">(4,728) </span><span class=\"S211A S483 S2\" id=\"t3x_116\">(156) </span><span class=\"S211B S483 S2\" id=\"t3y_116\">(1) </span><span class=\"S211C S483 S2\" id=\"t3z_116\">415 </span><span class=\"S211D S483 S2\" id=\"t40_116\">6,665 </span><span class=\"S211E S483 S2\" id=\"t41_116\">Loan commitments and financial guarantees </span><span class=\"S211F S483 S2\" id=\"t42_116\">given - poci </span><span class=\"S2120 S483 S2\" id=\"t43_116\">28 </span><span class=\"S2121 S483 S2\" id=\"t44_116\">5 </span><span class=\"S2122 S483 S2\" id=\"t45_116\">(9) </span><span class=\"S2088 S483 S2\" id=\"t46_116\">- </span><span class=\"S2123 S483 S2\" id=\"t47_116\">5 </span><span class=\"S208A S483 S2\" id=\"t48_116\">- </span><span class=\"S208B S483 S2\" id=\"t49_116\">- </span><span class=\"S208C S483 S2\" id=\"t4a_116\">- </span><span class=\"S2124 S483 S2\" id=\"t4b_116\">29 </span><span class=\"S2125 SC43 S2\" id=\"t4c_116\">Provision on financial liabilities total </span><span class=\"S2126 SC43 S2\" id=\"t4d_116\">51,990 </span><span class=\"S2090 SC43 S2\" id=\"t4e_116\">28,122 </span><span class=\"S2127 SC43 S2\" id=\"t4f_116\">(8,897) </span><span class=\"S2128 SC43 S2\" id=\"t4g_116\">- </span><span class=\"S2129 SC43 S2\" id=\"t4h_116\">(10,085) </span><span class=\"S212A SC43 S2\" id=\"t4i_116\">(1,222) </span><span class=\"S212B SC43 S2\" id=\"t4j_116\">(12) </span><span class=\"S212C SC43 S2\" id=\"t4k_116\">3,476 </span><span class=\"S212D SC43 S2\" id=\"t4l_116\">63,372 </span><span class=\"S212E S482 S2\" id=\"t4m_116\">1 </span><span class=\"S212F S483 S2\" id=\"t4n_116\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_117\">37.1.  Credit risk [continued] </span><span class=\"S2130 SB S2\" id=\"t6_117\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_117\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S1FD4 SA7 S2\" id=\"t8_117\">financial commitments as at 31 December 2021: </span><span class=\"S2131 SC43 S2\" id=\"t9_117\">31/12/2021 </span><span class=\"S2132 SC43 S2\" id=\"ta_117\">Opening </span><span class=\"S2133 SC43 S2\" id=\"tb_117\">balance </span><span class=\"S2134 SC43 S2\" id=\"tc_117\">Modi- </span><span class=\"S2135 SC43 S2\" id=\"td_117\">fication </span><span class=\"S2136 SC43 S2\" id=\"te_117\">Increases due to </span><span class=\"S2137 SC43 S2\" id=\"tf_117\">origination and </span><span class=\"S2138 SC43 S2\" id=\"tg_117\">acquisition </span><span class=\"S2139 SC43 S2\" id=\"th_117\">Decreases </span><span class=\"S213A SC43 S2\" id=\"ti_117\">due to </span><span class=\"S213B SC43 S2\" id=\"tj_117\">derecognition </span><span class=\"S213C SC43 S2\" id=\"tk_117\">Transfers </span><span class=\"S213D SC43 S2\" id=\"tl_117\">between </span><span class=\"S213E SC43 S2\" id=\"tm_117\">stages (net) </span><span class=\"S213F SC43 S2\" id=\"tn_117\">Changes due </span><span class=\"S2140 SC43 S2\" id=\"to_117\">to change in </span><span class=\"S2141 SC43 S2\" id=\"tp_117\">credit risk </span><span class=\"S2142 SC43 S2\" id=\"tq_117\">(net) </span><span class=\"S2143 SC43 S2\" id=\"tr_117\">Changes due to </span><span class=\"S2144 SC43 S2\" id=\"ts_117\">modifications </span><span class=\"S2145 SC43 S2\" id=\"tt_117\">without </span><span class=\"S2146 SC43 S2\" id=\"tu_117\">derecognition (net) </span><span class=\"S2147 SC43 S2\" id=\"tv_117\">Decrease in </span><span class=\"S2148 SC43 S2\" id=\"tw_117\">loss allowance </span><span class=\"S2149 SC43 S2\" id=\"tx_117\">account due to </span><span class=\"S214A SC43 S2\" id=\"ty_117\">write-offs </span><span class=\"S214B SC43 S2\" id=\"tz_117\">Other </span><span class=\"S214C SC43 S2\" id=\"t10_117\">adjustments </span><span class=\"S214D S20BA S2\" id=\"t11_117\">1 </span><span class=\"S214E SC43 S2\" id=\"t12_117\">Closing </span><span class=\"S214F SC43 S2\" id=\"t13_117\">balance </span><span class=\"S2150 SC43 S2\" id=\"t14_117\">Stage 1 </span><span class=\"S2151 SC43 S2\" id=\"t15_117\">123,675 </span><span class=\"S2152 SC43 S2\" id=\"t16_117\">- </span><span class=\"S2153 SC43 S2\" id=\"t17_117\">141,894 </span><span class=\"S2154 SC43 S2\" id=\"t18_117\">(37,619) </span><span class=\"S2155 SC43 S2\" id=\"t19_117\">(103,930) </span><span class=\"S2156 SC43 S2\" id=\"t1a_117\">25,663 </span><span class=\"S2157 SC43 S2\" id=\"t1b_117\">(4,885) </span><span class=\"S2158 SC43 S2\" id=\"t1c_117\">(102) </span><span class=\"S2159 SC43 S2\" id=\"t1d_117\">(2,264) </span><span class=\"S215A SC43 S2\" id=\"t1e_117\">142,432 </span><span class=\"S215B S483 S2\" id=\"t1f_117\">Placements with other banks </span><span class=\"S215C S483 S2\" id=\"t1g_117\">1,377 </span><span class=\"S215D S483 S2\" id=\"t1h_117\">- </span><span class=\"S215E S483 S2\" id=\"t1i_117\">24,635 </span><span class=\"S215F S483 S2\" id=\"t1j_117\">(4,383) </span><span class=\"S2160 S483 S2\" id=\"t1k_117\">- </span><span class=\"S2161 S483 S2\" id=\"t1l_117\">(18,854) </span><span class=\"S2162 S483 S2\" id=\"t1m_117\">- </span><span class=\"S2163 S483 S2\" id=\"t1n_117\">- </span><span class=\"S2164 S483 S2\" id=\"t1o_117\">191 </span><span class=\"S2165 SC43 S2\" id=\"t1p_117\">2,966 </span><span class=\"S1FF5 S483 S2\" id=\"t1q_117\">Repo receivables </span><span class=\"S2166 S483 S2\" id=\"t1r_117\">292 </span><span class=\"S2167 S483 S2\" id=\"t1s_117\">- </span><span class=\"S2168 S483 S2\" id=\"t1t_117\">667 </span><span class=\"S2169 S483 S2\" id=\"t1u_117\">- </span><span class=\"S216A S483 S2\" id=\"t1v_117\">- </span><span class=\"S216B S483 S2\" id=\"t1w_117\">(669) </span><span class=\"S216C S483 S2\" id=\"t1x_117\">- </span><span class=\"S216D S483 S2\" id=\"t1y_117\">- </span><span class=\"S216E S483 S2\" id=\"t1z_117\">- </span><span class=\"S216F SC43 S2\" id=\"t20_117\">290 </span><span class=\"S2170 S483 S2\" id=\"t21_117\">Loans at amortized cost </span><span class=\"S2171 S483 S2\" id=\"t22_117\">106,151 </span><span class=\"S2172 S483 S2\" id=\"t23_117\">- </span><span class=\"S2173 S483 S2\" id=\"t24_117\">109,970 </span><span class=\"S2174 S483 S2\" id=\"t25_117\">(29,761) </span><span class=\"S2175 S483 S2\" id=\"t26_117\">(91,303) </span><span class=\"S2176 S483 S2\" id=\"t27_117\">33,215 </span><span class=\"S2177 S483 S2\" id=\"t28_117\">(4,442) </span><span class=\"S2178 S483 S2\" id=\"t29_117\">(102) </span><span class=\"S2179 S483 S2\" id=\"t2a_117\">(3,339) </span><span class=\"S217A SC43 S2\" id=\"t2b_117\">120,389 </span><span class=\"S217B S483 S2\" id=\"t2c_117\">Finance lease receivables </span><span class=\"S217C S483 S2\" id=\"t2d_117\">4,141 </span><span class=\"S217D S483 S2\" id=\"t2e_117\">- </span><span class=\"S217E S483 S2\" id=\"t2f_117\">2,643 </span><span class=\"S217F S483 S2\" id=\"t2g_117\">(255) </span><span class=\"S2180 S483 S2\" id=\"t2h_117\">(12,106) </span><span class=\"S2181 S483 S2\" id=\"t2i_117\">10,426 </span><span class=\"S2182 S483 S2\" id=\"t2j_117\">(443) </span><span class=\"S2183 S483 S2\" id=\"t2k_117\">- </span><span class=\"S2184 S483 S2\" id=\"t2l_117\">26 </span><span class=\"S2185 SC43 S2\" id=\"t2m_117\">4,432 </span><span class=\"S2186 S483 S2\" id=\"t2n_117\">Interest bearing securities at fair value through </span><span class=\"S2187 S483 S2\" id=\"t2o_117\">other comprehensive income and securities </span><span class=\"S2188 S483 S2\" id=\"t2p_117\">at amortized cost </span><span class=\"S2189 S483 S2\" id=\"t2q_117\">11,714 </span><span class=\"S218A S483 S2\" id=\"t2r_117\">- </span><span class=\"S218B S483 S2\" id=\"t2s_117\">3,979 </span><span class=\"S218C S483 S2\" id=\"t2t_117\">(3,220) </span><span class=\"S218D S483 S2\" id=\"t2u_117\">(521) </span><span class=\"S218E S483 S2\" id=\"t2v_117\">1,545 </span><span class=\"S218F S483 S2\" id=\"t2w_117\">- </span><span class=\"S20EA S483 S2\" id=\"t2x_117\">858 </span><span class=\"S2190 SC43 S2\" id=\"t2y_117\">14,355 </span><span class=\"S2191 SC43 S2\" id=\"t2z_117\">Stage 2 </span><span class=\"S2192 SC43 S2\" id=\"t30_117\">203,173 </span><span class=\"S2193 SC43 S2\" id=\"t31_117\">- </span><span class=\"S2194 SC43 S2\" id=\"t32_117\">29,705 </span><span class=\"S2195 SC43 S2\" id=\"t33_117\">(21,813) </span><span class=\"S2196 SC43 S2\" id=\"t34_117\">9,826 </span><span class=\"S2197 SC43 S2\" id=\"t35_117\">(27,800) </span><span class=\"S2198 SC43 S2\" id=\"t36_117\">8,202 </span><span class=\"S2199 SC43 S2\" id=\"t37_117\">(498) </span><span class=\"S219A SC43 S2\" id=\"t38_117\">7,445 </span><span class=\"S219B SC43 S2\" id=\"t39_117\">208,240 </span><span class=\"S219C S483 S2\" id=\"t3a_117\">Placements with other banks </span><span class=\"S219D S483 S2\" id=\"t3b_117\">1 </span><span class=\"S219E S483 S2\" id=\"t3c_117\">- </span><span class=\"S219F S483 S2\" id=\"t3d_117\">- </span><span class=\"S21A0 S483 S2\" id=\"t3e_117\">- </span><span class=\"S21A1 S483 S2\" id=\"t3f_117\">- </span><span class=\"S21A2 S483 S2\" id=\"t3g_117\">- </span><span class=\"S21A3 S483 S2\" id=\"t3h_117\">(1) </span><span class=\"S21A4 S483 S2\" id=\"t3i_117\">- </span><span class=\"S21A5 SC43 S2\" id=\"t3j_117\">- </span><span class=\"S21A6 S483 S2\" id=\"t3k_117\">Repo receivables </span><span class=\"S21A7 S483 S2\" id=\"t3l_117\">- </span><span class=\"S21A8 S483 S2\" id=\"t3m_117\">- </span><span class=\"S21A9 S483 S2\" id=\"t3n_117\">- </span><span class=\"S21AA S483 S2\" id=\"t3o_117\">- </span><span class=\"S21AB S483 S2\" id=\"t3p_117\">- </span><span class=\"S21AC S483 S2\" id=\"t3q_117\">- </span><span class=\"S21AD S483 S2\" id=\"t3r_117\">- </span><span class=\"S21AE S483 S2\" id=\"t3s_117\">- </span><span class=\"S20F6 S483 S2\" id=\"t3t_117\">- </span><span class=\"S21AF SC43 S2\" id=\"t3u_117\">- </span><span class=\"S21B0 S483 S2\" id=\"t3v_117\">Loans at amortized cost </span><span class=\"S21B1 S483 S2\" id=\"t3w_117\">194,941 </span><span class=\"S21B2 S483 S2\" id=\"t3x_117\">(1,281) </span><span class=\"S21B3 S483 S2\" id=\"t3y_117\">26,947 </span><span class=\"S21B4 S483 S2\" id=\"t3z_117\">(21,200) </span><span class=\"S2041 S483 S2\" id=\"t40_117\">3,766 </span><span class=\"S21B5 S483 S2\" id=\"t41_117\">(23,004) </span><span class=\"S21B6 S483 S2\" id=\"t42_117\">8,550 </span><span class=\"S21B7 S483 S2\" id=\"t43_117\">(497) </span><span class=\"S21B8 S483 S2\" id=\"t44_117\">7,410 </span><span class=\"S21B9 SC43 S2\" id=\"t45_117\">195,632 </span><span class=\"S21BA S483 S2\" id=\"t46_117\">Finance lease receivables </span><span class=\"S21BB S483 S2\" id=\"t47_117\">8,103 </span><span class=\"S21BC S483 S2\" id=\"t48_117\">- </span><span class=\"S21BD S483 S2\" id=\"t49_117\">2,696 </span><span class=\"S21BE S483 S2\" id=\"t4a_117\">(613) </span><span class=\"S21BF S483 S2\" id=\"t4b_117\">5,539 </span><span class=\"S21C0 S483 S2\" id=\"t4c_117\">(4,229) </span><span class=\"S21C1 S483 S2\" id=\"t4d_117\">(348) </span><span class=\"S21C2 S483 S2\" id=\"t4e_117\">- </span><span class=\"S21C3 S483 S2\" id=\"t4f_117\">(8) </span><span class=\"S21C4 SC43 S2\" id=\"t4g_117\">11,140 </span><span class=\"S21C5 S483 S2\" id=\"t4h_117\">Interest bearing securities at fair value through </span><span class=\"S21C6 S483 S2\" id=\"t4i_117\">other comprehensive income and securities </span><span class=\"S21C7 S483 S2\" id=\"t4j_117\">at amortized cost </span><span class=\"S21C8 S483 S2\" id=\"t4k_117\">128 </span><span class=\"S21C9 S483 S2\" id=\"t4l_117\">1,281 </span><span class=\"S21CA S483 S2\" id=\"t4m_117\">62 </span><span class=\"S21CB S483 S2\" id=\"t4n_117\">- </span><span class=\"S21CC S483 S2\" id=\"t4o_117\">521 </span><span class=\"S21CD S483 S2\" id=\"t4p_117\">(567) </span><span class=\"S21CE S483 S2\" id=\"t4q_117\">- </span><span class=\"S21CF S483 S2\" id=\"t4r_117\">- </span><span class=\"S21D0 S483 S2\" id=\"t4s_117\">43 </span><span class=\"S21D1 SC43 S2\" id=\"t4t_117\">1,468 </span><span class=\"S21D2 SC43 S2\" id=\"t4u_117\">Stage 3 </span><span class=\"S21D3 SC43 S2\" id=\"t4v_117\">476,668 </span><span class=\"S21D4 SC43 S2\" id=\"t4w_117\">- </span><span class=\"S21D5 SC43 S2\" id=\"t4x_117\">19,133 </span><span class=\"S21D6 SC43 S2\" id=\"t4y_117\">(44,871) </span><span class=\"S21D7 SC43 S2\" id=\"t4z_117\">94,104 </span><span class=\"S21D8 SC43 S2\" id=\"t50_117\">21,425 </span><span class=\"S21D9 SC43 S2\" id=\"t51_117\">8,856 </span><span class=\"S21DA SC43 S2\" id=\"t52_117\">(69,523) </span><span class=\"S21DB SC43 S2\" id=\"t53_117\">1,050 </span><span class=\"S21DC SC43 S2\" id=\"t54_117\">506,842 </span><span class=\"S21DD S483 S2\" id=\"t55_117\">Placements with other banks </span><span class=\"S21DE S483 S2\" id=\"t56_117\">111 </span><span class=\"S21DF S483 S2\" id=\"t57_117\">- </span><span class=\"S21E0 S483 S2\" id=\"t58_117\">- </span><span class=\"S21E1 S483 S2\" id=\"t59_117\">- </span><span class=\"S21E2 S483 S2\" id=\"t5a_117\">- </span><span class=\"S21E3 S483 S2\" id=\"t5b_117\">46 </span><span class=\"S21E4 S483 S2\" id=\"t5c_117\">- </span><span class=\"S21E5 S483 S2\" id=\"t5d_117\">(240) </span><span class=\"S21E6 S483 S2\" id=\"t5e_117\">111 </span><span class=\"S21E7 SC43 S2\" id=\"t5f_117\">28 </span><span class=\"S2070 S483 S2\" id=\"t5g_117\">Repo receivables </span><span class=\"S21E8 S483 S2\" id=\"t5h_117\">- </span><span class=\"S21E9 S483 S2\" id=\"t5i_117\">- </span><span class=\"S21EA S483 S2\" id=\"t5j_117\">- </span><span class=\"S21EB S483 S2\" id=\"t5k_117\">- </span><span class=\"S21EC S483 S2\" id=\"t5l_117\">- </span><span class=\"S21ED S483 S2\" id=\"t5m_117\">- </span><span class=\"S21EE S483 S2\" id=\"t5n_117\">- </span><span class=\"S21EF S483 S2\" id=\"t5o_117\">- </span><span class=\"S21F0 S483 S2\" id=\"t5p_117\">- </span><span class=\"S21F1 SC43 S2\" id=\"t5q_117\">- </span><span class=\"S21F2 S483 S2\" id=\"t5r_117\">Loans at amortized cost </span><span class=\"S21F3 S483 S2\" id=\"t5s_117\">463,570 </span><span class=\"S21F4 S483 S2\" id=\"t5t_117\">- </span><span class=\"S21F5 S483 S2\" id=\"t5u_117\">17,649 </span><span class=\"S21F6 S483 S2\" id=\"t5v_117\">(43,539) </span><span class=\"S21F7 S483 S2\" id=\"t5w_117\">87,537 </span><span class=\"S21F8 S483 S2\" id=\"t5x_117\">25,360 </span><span class=\"S21F9 S483 S2\" id=\"t5y_117\">9,852 </span><span class=\"S21FA S483 S2\" id=\"t5z_117\">(67,453) </span><span class=\"S21FB S483 S2\" id=\"t60_117\">(405) </span><span class=\"S21FC SC43 S2\" id=\"t61_117\">492,571 </span><span class=\"S21FD S483 S2\" id=\"t62_117\">Finance lease receivables </span><span class=\"S21FE S483 S2\" id=\"t63_117\">12,188 </span><span class=\"S21FF S483 S2\" id=\"t64_117\">- </span><span class=\"S2200 S483 S2\" id=\"t65_117\">1,484 </span><span class=\"S2201 S483 S2\" id=\"t66_117\">(1,332) </span><span class=\"S2202 S483 S2\" id=\"t67_117\">6,567 </span><span class=\"S2203 S483 S2\" id=\"t68_117\">(3,981) </span><span class=\"S2204 S483 S2\" id=\"t69_117\">(996) </span><span class=\"S2205 S483 S2\" id=\"t6a_117\">(1,022) </span><span class=\"S2206 S483 S2\" id=\"t6b_117\">1,335 </span><span class=\"S2207 SC43 S2\" id=\"t6c_117\">14,243 </span><span class=\"S2208 S483 S2\" id=\"t6d_117\">Interest bearing securities at fair value through </span><span class=\"S2209 S483 S2\" id=\"t6e_117\">other comprehensive income and securities </span><span class=\"S220A S483 S2\" id=\"t6f_117\">at amortized cost </span><span class=\"S220B S483 S2\" id=\"t6g_117\">799 </span><span class=\"S220C S483 S2\" id=\"t6h_117\">- </span><span class=\"S220D S483 S2\" id=\"t6i_117\">- </span><span class=\"S220E S483 S2\" id=\"t6j_117\">- </span><span class=\"S220F S483 S2\" id=\"t6k_117\">- </span><span class=\"S2210 S483 S2\" id=\"t6l_117\">- </span><span class=\"S2211 S483 S2\" id=\"t6m_117\">- </span><span class=\"S2212 S483 S2\" id=\"t6n_117\">(808) </span><span class=\"S2213 S483 S2\" id=\"t6o_117\">9 </span><span class=\"S2214 SC43 S2\" id=\"t6p_117\">- </span><span class=\"S2215 SC43 S2\" id=\"t6q_117\">Loss allowance on financial assets subtotal </span><span class=\"S2216 SC43 S2\" id=\"t6r_117\">803,516 </span><span class=\"S2217 SC43 S2\" id=\"t6s_117\">- </span><span class=\"S2218 SC43 S2\" id=\"t6t_117\">190,732 </span><span class=\"S2219 SC43 S2\" id=\"t6u_117\">(104,303) </span><span class=\"S221A SC43 S2\" id=\"t6v_117\">- </span><span class=\"S221B SC43 S2\" id=\"t6w_117\">19,288 </span><span class=\"S221C SC43 S2\" id=\"t6x_117\">12,173 </span><span class=\"S221D SC43 S2\" id=\"t6y_117\">(70,123) </span><span class=\"S221E SC43 S2\" id=\"t6z_117\">6,231 </span><span class=\"S221F SC43 S2\" id=\"t70_117\">857,514 </span><span class=\"S2220 S482 S2\" id=\"t71_117\">1 </span><span class=\"S2221 S483 S2\" id=\"t72_117\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S1E99 SB S2\" id=\"t5_118\">37.1.  Credit risk [continued] </span><span class=\"S2222 SB S2\" id=\"t6_118\">37.1.2.  Movement table of loss allowance / provision on financial instruments [continued] </span><span class=\"S1FD3 SA7 S2\" id=\"t7_118\">Movement of loss allowance on financial assets at amortized cost and on interest bearing securities at fair value through other comprehensive income and of provision of </span><span class=\"S2223 SA7 S2\" id=\"t8_118\">financial commitments as at 31 December 2021 [continued]: </span><span class=\"S2224 SC43 S2\" id=\"t9_118\">31/12/2021 </span><span class=\"S2225 SC43 S2\" id=\"ta_118\">Opening </span><span class=\"S2226 SC43 S2\" id=\"tb_118\">balance </span><span class=\"S2227 SC43 S2\" id=\"tc_118\">Modi- </span><span class=\"S2228 SC43 S2\" id=\"td_118\">fication </span><span class=\"S2229 SC43 S2\" id=\"te_118\">Increases due to </span><span class=\"S222A SC43 S2\" id=\"tf_118\">origination and </span><span class=\"S222B SC43 S2\" id=\"tg_118\">acquisition </span><span class=\"S222C SC43 S2\" id=\"th_118\">Decreases </span><span class=\"S222D SC43 S2\" id=\"ti_118\">due to </span><span class=\"S222E SC43 S2\" id=\"tj_118\">derecognition </span><span class=\"S222F SC43 S2\" id=\"tk_118\">Transfers </span><span class=\"S2230 SC43 S2\" id=\"tl_118\">between </span><span class=\"S2231 SC43 S2\" id=\"tm_118\">stages (net) </span><span class=\"S2232 SC43 S2\" id=\"tn_118\">Changes due </span><span class=\"S2233 SC43 S2\" id=\"to_118\">to change in </span><span class=\"S2234 SC43 S2\" id=\"tp_118\">credit risk </span><span class=\"S2235 SC43 S2\" id=\"tq_118\">(net) </span><span class=\"S2236 SC43 S2\" id=\"tr_118\">Changes due to </span><span class=\"S2237 SC43 S2\" id=\"ts_118\">modifications </span><span class=\"S2238 SC43 S2\" id=\"tt_118\">without </span><span class=\"S2239 SC43 S2\" id=\"tu_118\">derecognition (net) </span><span class=\"S223A SC43 S2\" id=\"tv_118\">Decrease in </span><span class=\"S223B SC43 S2\" id=\"tw_118\">loss allowance </span><span class=\"S223C SC43 S2\" id=\"tx_118\">account due to </span><span class=\"S223D SC43 S2\" id=\"ty_118\">write-offs </span><span class=\"S223E SC43 S2\" id=\"tz_118\">Other </span><span class=\"S223F SC43 S2\" id=\"t10_118\">adjustments </span><span class=\"S2240 S20BA S2\" id=\"t11_118\">1 </span><span class=\"S2241 SC43 S2\" id=\"t12_118\">Closing </span><span class=\"S2242 SC43 S2\" id=\"t13_118\">balance </span><span class=\"S2243 SC43 S2\" id=\"t14_118\">POCI </span><span class=\"S2244 SC43 S2\" id=\"t15_118\">65,051 </span><span class=\"S2245 SC43 S2\" id=\"t16_118\">- </span><span class=\"S2246 SC43 S2\" id=\"t17_118\">- </span><span class=\"S2247 SC43 S2\" id=\"t18_118\">(2,929) </span><span class=\"S2248 SC43 S2\" id=\"t19_118\">- </span><span class=\"S2249 SC43 S2\" id=\"t1a_118\">(17,138) </span><span class=\"S224A SC43 S2\" id=\"t1b_118\">(129) </span><span class=\"S224B SC43 S2\" id=\"t1c_118\">(4,370) </span><span class=\"S224C SC43 S2\" id=\"t1d_118\">3,105 </span><span class=\"S224D SC43 S2\" id=\"t1e_118\">43,590 </span><span class=\"S224E S483 S2\" id=\"t1f_118\">Placements with other banks </span><span class=\"S224F S483 S2\" id=\"t1g_118\">- </span><span class=\"S2250 S483 S2\" id=\"t1h_118\">- </span><span class=\"S2251 S483 S2\" id=\"t1i_118\">- </span><span class=\"S2252 S483 S2\" id=\"t1j_118\">(2,929) </span><span class=\"S2253 S483 S2\" id=\"t1k_118\">- </span><span class=\"S2254 S483 S2\" id=\"t1l_118\">6,004 </span><span class=\"S2255 S483 S2\" id=\"t1m_118\">(129) </span><span class=\"S2256 S483 S2\" id=\"t1n_118\">(4,370) </span><span class=\"S2257 S483 S2\" id=\"t1o_118\">1,424 </span><span class=\"S2258 SC43 S2\" id=\"t1p_118\">- </span><span class=\"S2259 S483 S2\" id=\"t1q_118\">Repo receivables </span><span class=\"S225A S483 S2\" id=\"t1r_118\">- </span><span class=\"S225B S483 S2\" id=\"t1s_118\">- </span><span class=\"S225C S483 S2\" id=\"t1t_118\">- </span><span class=\"S225D S483 S2\" id=\"t1u_118\">- </span><span class=\"S225E S483 S2\" id=\"t1v_118\">- </span><span class=\"S225F S483 S2\" id=\"t1w_118\">- </span><span class=\"S2260 S483 S2\" id=\"t1x_118\">- </span><span class=\"S2261 S483 S2\" id=\"t1y_118\">- </span><span class=\"S2262 S483 S2\" id=\"t1z_118\">- </span><span class=\"S2263 SC43 S2\" id=\"t20_118\">- </span><span class=\"S2264 S483 S2\" id=\"t21_118\">Loans at amortized cost </span><span class=\"S2265 S483 S2\" id=\"t22_118\">64,881 </span><span class=\"S2266 S483 S2\" id=\"t23_118\">- </span><span class=\"S2267 S483 S2\" id=\"t24_118\">- </span><span class=\"S2268 S483 S2\" id=\"t25_118\">- </span><span class=\"S2269 S483 S2\" id=\"t26_118\">- </span><span class=\"S226A S483 S2\" id=\"t27_118\">(23,142) </span><span class=\"S226B S483 S2\" id=\"t28_118\">- </span><span class=\"S226C S483 S2\" id=\"t29_118\">- </span><span class=\"S226D S483 S2\" id=\"t2a_118\">1,663 </span><span class=\"S226E SC43 S2\" id=\"t2b_118\">43,402 </span><span class=\"S226F S483 S2\" id=\"t2c_118\">Finance lease receivables </span><span class=\"S2270 S483 S2\" id=\"t2d_118\">170 </span><span class=\"S2271 S483 S2\" id=\"t2e_118\">- </span><span class=\"S2272 S483 S2\" id=\"t2f_118\">- </span><span class=\"S2273 S483 S2\" id=\"t2g_118\">- </span><span class=\"S2274 S483 S2\" id=\"t2h_118\">- </span><span class=\"S2275 S483 S2\" id=\"t2i_118\">- </span><span class=\"S2276 S483 S2\" id=\"t2j_118\">- </span><span class=\"S2277 S483 S2\" id=\"t2k_118\">- </span><span class=\"S2278 S483 S2\" id=\"t2l_118\">18 </span><span class=\"S2279 SC43 S2\" id=\"t2m_118\">188 </span><span class=\"S227A S483 S2\" id=\"t2n_118\">Interest bearing securities at fair value through </span><span class=\"S227B S483 S2\" id=\"t2o_118\">other comprehensive income and securities </span><span class=\"S227C S483 S2\" id=\"t2p_118\">at amortized cost </span><span class=\"S227D S483 S2\" id=\"t2q_118\">- </span><span class=\"S227E S483 S2\" id=\"t2r_118\">- </span><span class=\"S227F S483 S2\" id=\"t2s_118\">- </span><span class=\"S2280 S483 S2\" id=\"t2t_118\">- </span><span class=\"S2281 S483 S2\" id=\"t2u_118\">- </span><span class=\"S2282 S483 S2\" id=\"t2v_118\">- </span><span class=\"S2283 S483 S2\" id=\"t2w_118\">- </span><span class=\"S2284 S483 S2\" id=\"t2x_118\">- </span><span class=\"S2285 S483 S2\" id=\"t2y_118\">- </span><span class=\"S2286 SC43 S2\" id=\"t2z_118\">- </span><span class=\"S2287 SC43 S2\" id=\"t30_118\">Loss allowance on financial assets total </span><span class=\"S2288 SC43 S2\" id=\"t31_118\">868,567 </span><span class=\"S2289 SC43 S2\" id=\"t32_118\">- </span><span class=\"S228A SC43 S2\" id=\"t33_118\">190,732 </span><span class=\"S228B SC43 S2\" id=\"t34_118\">(107,232) </span><span class=\"S228C SC43 S2\" id=\"t35_118\">- </span><span class=\"S228D SC43 S2\" id=\"t36_118\">2,150 </span><span class=\"S228E SC43 S2\" id=\"t37_118\">12,044 </span><span class=\"S228F SC43 S2\" id=\"t38_118\">(74,493) </span><span class=\"S2290 SC43 S2\" id=\"t39_118\">9,336 </span><span class=\"S2291 SC43 S2\" id=\"t3a_118\">901,104 </span><span class=\"S2292 S483 S2\" id=\"t3b_118\">Loan commitments and financial guarantees </span><span class=\"S2293 S483 S2\" id=\"t3c_118\">given - stage 1 </span><span class=\"S2294 S483 S2\" id=\"t3d_118\">37,297 </span><span class=\"S2295 S483 S2\" id=\"t3e_118\">- </span><span class=\"S2296 S483 S2\" id=\"t3f_118\">23,514 </span><span class=\"S2297 S483 S2\" id=\"t3g_118\">(5,522) </span><span class=\"S2298 S483 S2\" id=\"t3h_118\">1,446 </span><span class=\"S2299 S483 S2\" id=\"t3i_118\">(20,069) </span><span class=\"S229A S483 S2\" id=\"t3j_118\">(1,031) </span><span class=\"S229B S483 S2\" id=\"t3k_118\">- </span><span class=\"S229C S483 S2\" id=\"t3l_118\">(112) </span><span class=\"S229D SC43 S2\" id=\"t3m_118\">35,523 </span><span class=\"S229E S483 S2\" id=\"t3n_118\">Loan commitments and financial guarantees </span><span class=\"S229F S483 S2\" id=\"t3o_118\">given - stage 2 </span><span class=\"S22A0 S483 S2\" id=\"t3p_118\">11,055 </span><span class=\"S22A1 S483 S2\" id=\"t3q_118\">- </span><span class=\"S22A2 S483 S2\" id=\"t3r_118\">3,804 </span><span class=\"S22A3 S483 S2\" id=\"t3s_118\">(791) </span><span class=\"S22A4 S483 S2\" id=\"t3t_118\">(2,173) </span><span class=\"S22A5 S483 S2\" id=\"t3u_118\">(2,216) </span><span class=\"S22A6 S483 S2\" id=\"t3v_118\">436 </span><span class=\"S22A7 S483 S2\" id=\"t3w_118\">- </span><span class=\"S22A8 S483 S2\" id=\"t3x_118\">(85) </span><span class=\"S22A9 SC43 S2\" id=\"t3y_118\">10,030 </span><span class=\"S22AA S483 S2\" id=\"t3z_118\">Loan commitments and financial guarantees </span><span class=\"S22AB S483 S2\" id=\"t40_118\">given - stage 3 </span><span class=\"S22AC S483 S2\" id=\"t41_118\">6,458 </span><span class=\"S22AD S483 S2\" id=\"t42_118\">- </span><span class=\"S22AE S483 S2\" id=\"t43_118\">932 </span><span class=\"S22AF S483 S2\" id=\"t44_118\">(1,337) </span><span class=\"S22B0 S483 S2\" id=\"t45_118\">727 </span><span class=\"S22B1 S483 S2\" id=\"t46_118\">196 </span><span class=\"S22B2 S483 S2\" id=\"t47_118\">(65) </span><span class=\"S22B3 S483 S2\" id=\"t48_118\">- </span><span class=\"S22B4 S483 S2\" id=\"t49_118\">(502) </span><span class=\"S22B5 SC43 S2\" id=\"t4a_118\">6,409 </span><span class=\"S22B6 S483 S2\" id=\"t4b_118\">Loan commitments and financial guarantees </span><span class=\"S22B7 S483 S2\" id=\"t4c_118\">given - poci </span><span class=\"S22B8 S483 S2\" id=\"t4d_118\">- </span><span class=\"S22B9 S483 S2\" id=\"t4e_118\">- </span><span class=\"S22BA S483 S2\" id=\"t4f_118\">31 </span><span class=\"S22BB S483 S2\" id=\"t4g_118\">(4) </span><span class=\"S22BC S483 S2\" id=\"t4h_118\">- </span><span class=\"S22BD S483 S2\" id=\"t4i_118\">3 </span><span class=\"S22BE S483 S2\" id=\"t4j_118\">(1) </span><span class=\"S22BF S483 S2\" id=\"t4k_118\">- </span><span class=\"S22C0 S483 S2\" id=\"t4l_118\">(1) </span><span class=\"S22C1 SC43 S2\" id=\"t4m_118\">28 </span><span class=\"S22C2 SC43 S2\" id=\"t4n_118\">Provision on financial liabilities total </span><span class=\"S22C3 SC43 S2\" id=\"t4o_118\">54,810 </span><span class=\"S22C4 SC43 S2\" id=\"t4p_118\">- </span><span class=\"S22C5 SC43 S2\" id=\"t4q_118\">28,281 </span><span class=\"S22C6 SC43 S2\" id=\"t4r_118\">(7,654) </span><span class=\"S22C7 SC43 S2\" id=\"t4s_118\">- </span><span class=\"S22C8 SC43 S2\" id=\"t4t_118\">(22,086) </span><span class=\"S22C9 SC43 S2\" id=\"t4u_118\">(661) </span><span class=\"S22CA SC43 S2\" id=\"t4v_118\">- </span><span class=\"S22CB SC43 S2\" id=\"t4w_118\">(700) </span><span class=\"S22CC SC43 S2\" id=\"t4x_118\">51,990 </span><span class=\"S22CD S482 S2\" id=\"t4y_118\">1 </span><span class=\"S22CE S483 S2\" id=\"t4z_118\">Other adjustment mainly includes changes due to foreign exchange conversion. </span><span class=\"S22CF SB S2\" id=\"t5_119\">37.1.   Credit risk [continued] </span><span class=\"S22D0 SB S2\" id=\"t6_119\">37.1.3. </span><span class=\"S22D1 SB S2\" id=\"t7_119\">Loan portfolio by internal ratings </span><span class=\"S22D2 SB S2\" id=\"t8_119\">2022 </span><span class=\"S22D3 SB S2\" id=\"t9_119\">Gross carrying amount </span><span class=\"S22D4 SB S2\" id=\"ta_119\">Internal rating grade </span><span class=\"S22D5 SB S2\" id=\"tb_119\">Stage 1 </span><span class=\"S22D6 SB S2\" id=\"tc_119\">Stage 2 </span><span class=\"S22D7 SB S2\" id=\"td_119\">Stage 3 </span><span class=\"S22D8 SB S2\" id=\"te_119\">POCI </span><span class=\"S22D9 SB S2\" id=\"tf_119\">Total </span><span class=\"S22DA SA7 S2\" id=\"tg_119\">Low risk grade (1-4) </span><span class=\"S22DB SA7 S2\" id=\"th_119\">9,947,741 </span><span class=\"S22DC SA7 S2\" id=\"ti_119\">569,504 </span><span class=\"S22DD SA7 S2\" id=\"tj_119\">- </span><span class=\"S22DE SA7 S2\" id=\"tk_119\">3,703 </span><span class=\"S22DF SA7 S2\" id=\"tl_119\">10,520,948 </span><span class=\"S22E0 SA7 S2\" id=\"tm_119\">Medium risk grade (5-7) </span><span class=\"S22E1 SA7 S2\" id=\"tn_119\">5,073,919 </span><span class=\"S22E2 SA7 S2\" id=\"to_119\">1,033,413 </span><span class=\"S22E3 SA7 S2\" id=\"tp_119\">- </span><span class=\"S22E4 SA7 S2\" id=\"tq_119\">36,259 </span><span class=\"S22E5 SA7 S2\" id=\"tr_119\">6,143,591 </span><span class=\"S22E6 SA7 S2\" id=\"ts_119\">High risk grade (8-9) </span><span class=\"S22E7 SA7 S2\" id=\"tt_119\">200,696 </span><span class=\"S22E8 SA7 S2\" id=\"tu_119\">582,220 </span><span class=\"S22E9 SA7 S2\" id=\"tv_119\">- </span><span class=\"S22EA SA7 S2\" id=\"tw_119\">2,913 </span><span class=\"S22EB SA7 S2\" id=\"tx_119\">785,829 </span><span class=\"S22EC SA7 S2\" id=\"ty_119\">Non-performing </span><span class=\"S22ED SA7 S2\" id=\"tz_119\">- </span><span class=\"S22EE SA7 S2\" id=\"t10_119\">- </span><span class=\"S22EF SA7 S2\" id=\"t11_119\">908,014 </span><span class=\"S22F0 SA7 S2\" id=\"t12_119\">54,319 </span><span class=\"S22F1 SA7 S2\" id=\"t13_119\">962,333 </span><span class=\"S22F2 SB S2\" id=\"t14_119\">Total loans at amortized cost </span><span class=\"S22F3 SB S2\" id=\"t15_119\">and finance lease receivable </span><span class=\"S22F4 SB S2\" id=\"t16_119\">15,222,356 </span><span class=\"S22F5 SB S2\" id=\"t17_119\">2,185,137 </span><span class=\"S22F6 SB S2\" id=\"t18_119\">908,014 </span><span class=\"S22F7 SB S2\" id=\"t19_119\">97,194 </span><span class=\"S22F8 SB S2\" id=\"t1a_119\">18,412,701 </span><span class=\"S22F9 SB S2\" id=\"t1b_119\">2022 </span><span class=\"S22FA SB S2\" id=\"t1c_119\">Accumulated loss allowance </span><span class=\"S22FB SB S2\" id=\"t1d_119\">Internal rating grade </span><span class=\"S22FC SB S2\" id=\"t1e_119\">Stage 1 </span><span class=\"S22FD SB S2\" id=\"t1f_119\">Stage 2 </span><span class=\"S22FE SB S2\" id=\"t1g_119\">Stage 3 </span><span class=\"S22FF SB S2\" id=\"t1h_119\">POCI </span><span class=\"S2300 SB S2\" id=\"t1i_119\">Total </span><span class=\"S2301 SA7 S2\" id=\"t1j_119\">Low risk grade (1-4) </span><span class=\"S2302 SA7 S2\" id=\"t1k_119\">(66,621) </span><span class=\"S2303 SA7 S2\" id=\"t1l_119\">(51,998) </span><span class=\"S2304 SA7 S2\" id=\"t1m_119\">- </span><span class=\"S2305 SA7 S2\" id=\"t1n_119\">(172) </span><span class=\"S2306 SA7 S2\" id=\"t1o_119\">(118,791) </span><span class=\"S2307 SA7 S2\" id=\"t1p_119\">Medium risk grade (5-7) </span><span class=\"S2308 SA7 S2\" id=\"t1q_119\">(82,554) </span><span class=\"S2309 SA7 S2\" id=\"t1r_119\">(121,985) </span><span class=\"S230A SA7 S2\" id=\"t1s_119\">- </span><span class=\"S230B SA7 S2\" id=\"t1t_119\">(6,235) </span><span class=\"S230C SA7 S2\" id=\"t1u_119\">(210,774) </span><span class=\"S230D SA7 S2\" id=\"t1v_119\">High risk grade (8-9) </span><span class=\"S230E SA7 S2\" id=\"t1w_119\">(7,811) </span><span class=\"S230F SA7 S2\" id=\"t1x_119\">(65,223) </span><span class=\"S2310 SA7 S2\" id=\"t1y_119\">- </span><span class=\"S2311 SA7 S2\" id=\"t1z_119\">(250) </span><span class=\"S2312 SA7 S2\" id=\"t20_119\">(73,284) </span><span class=\"S2313 SA7 S2\" id=\"t21_119\">Non-performing </span><span class=\"S2314 SA7 S2\" id=\"t22_119\">- </span><span class=\"S2315 SA7 S2\" id=\"t23_119\">- </span><span class=\"S2316 SA7 S2\" id=\"t24_119\">(589,348) </span><span class=\"S2317 SA7 S2\" id=\"t25_119\">(27,294) </span><span class=\"S2318 SA7 S2\" id=\"t26_119\">(616,642) </span><span class=\"S2319 SB S2\" id=\"t27_119\">Total loans at amortized cost </span><span class=\"S231A SB S2\" id=\"t28_119\">and finance lease receivable </span><span class=\"S231B SB S2\" id=\"t29_119\">(156,986) </span><span class=\"S231C SB S2\" id=\"t2a_119\">(239,206) </span><span class=\"S231D SB S2\" id=\"t2b_119\">(589,348) </span><span class=\"S231E SB S2\" id=\"t2c_119\">(33,951) </span><span class=\"S231F SB S2\" id=\"t2d_119\">(1,019,491) </span><span class=\"S2320 SB S2\" id=\"t2e_119\">2021 </span><span class=\"S2321 SB S2\" id=\"t2f_119\">Gross carrying amount </span><span class=\"S2322 SB S2\" id=\"t2g_119\">Internal rating grade </span><span class=\"S2323 SB S2\" id=\"t2h_119\">Stage 1 </span><span class=\"S2324 SB S2\" id=\"t2i_119\">Stage 2 </span><span class=\"S2325 SB S2\" id=\"t2j_119\">Stage 3 </span><span class=\"S2326 SB S2\" id=\"t2k_119\">POCI </span><span class=\"S2327 SB S2\" id=\"t2l_119\">Total </span><span class=\"S2328 SA7 S2\" id=\"t2m_119\">Low risk grade (1-4) </span><span class=\"S2329 SA7 S2\" id=\"t2n_119\">7,644,341 </span><span class=\"S232A SA7 S2\" id=\"t2o_119\">631,138 </span><span class=\"S232B SA7 S2\" id=\"t2p_119\">- </span><span class=\"S232C SA7 S2\" id=\"t2q_119\">2,921 </span><span class=\"S232D SA7 S2\" id=\"t2r_119\">8,278,400 </span><span class=\"S232E SA7 S2\" id=\"t2s_119\">Medium risk grade (5-7) </span><span class=\"S232F SA7 S2\" id=\"t2t_119\">4,692,656 </span><span class=\"S2330 SA7 S2\" id=\"t2u_119\">869,200 </span><span class=\"S2331 SA7 S2\" id=\"t2v_119\">- </span><span class=\"S2332 SA7 S2\" id=\"t2w_119\">46,708 </span><span class=\"S2333 SA7 S2\" id=\"t2x_119\">5,608,564 </span><span class=\"S2334 SA7 S2\" id=\"t2y_119\">High risk grade (8-9) </span><span class=\"S2335 SA7 S2\" id=\"t2z_119\">289,030 </span><span class=\"S2336 SA7 S2\" id=\"t30_119\">526,928 </span><span class=\"S2337 SA7 S2\" id=\"t31_119\">- </span><span class=\"S2338 SA7 S2\" id=\"t32_119\">2,563 </span><span class=\"S2339 SA7 S2\" id=\"t33_119\">818,521 </span><span class=\"SF24 SA7 S2\" id=\"t34_119\">Non-performing </span><span class=\"S233A SA7 S2\" id=\"t35_119\">- </span><span class=\"S233B SA7 S2\" id=\"t36_119\">4,175 </span><span class=\"S233C SA7 S2\" id=\"t37_119\">800,217 </span><span class=\"S233D SA7 S2\" id=\"t38_119\">47,931 </span><span class=\"S233E SA7 S2\" id=\"t39_119\">852,323 </span><span class=\"S233F SB S2\" id=\"t3a_119\">Total loans at amortized cost </span><span class=\"S2340 SB S2\" id=\"t3b_119\">and finance lease receivable </span><span class=\"S2341 SB S2\" id=\"t3c_119\">12,626,027 </span><span class=\"S2342 SB S2\" id=\"t3d_119\">2,031,441 </span><span class=\"S2343 SB S2\" id=\"t3e_119\">800,217 </span><span class=\"S2344 SB S2\" id=\"t3f_119\">100,123 </span><span class=\"S2345 SB S2\" id=\"t3g_119\">15,557,808 </span><span class=\"S2346 SB S2\" id=\"t3h_119\">2021 </span><span class=\"S2347 SB S2\" id=\"t3i_119\">Accumulated loss allowance </span><span class=\"S2348 SB S2\" id=\"t3j_119\">Internal rating grade </span><span class=\"S2349 SB S2\" id=\"t3k_119\">Stage 1 </span><span class=\"S234A SB S2\" id=\"t3l_119\">Stage 2 </span><span class=\"S234B SB S2\" id=\"t3m_119\">Stage 3 </span><span class=\"S234C SB S2\" id=\"t3n_119\">POCI </span><span class=\"S234D SB S2\" id=\"t3o_119\">Total </span><span class=\"S1536 SA7 S2\" id=\"t3p_119\">Low risk grade (1-4) </span><span class=\"S234E SA7 S2\" id=\"t3q_119\">52,654 </span><span class=\"S234F SA7 S2\" id=\"t3r_119\">42,988 </span><span class=\"S2350 SA7 S2\" id=\"t3s_119\">- </span><span class=\"S2351 SA7 S2\" id=\"t3t_119\">129 </span><span class=\"S2352 SA7 S2\" id=\"t3u_119\">95,771 </span><span class=\"S2353 SA7 S2\" id=\"t3v_119\">Medium risk grade (5-7) </span><span class=\"S2354 SA7 S2\" id=\"t3w_119\">57,421 </span><span class=\"S2355 SA7 S2\" id=\"t3x_119\">81,894 </span><span class=\"S2356 SA7 S2\" id=\"t3y_119\">- </span><span class=\"S2357 SA7 S2\" id=\"t3z_119\">13,009 </span><span class=\"S2358 SA7 S2\" id=\"t40_119\">152,324 </span><span class=\"S2359 SA7 S2\" id=\"t41_119\">High risk grade (8-9) </span><span class=\"S235A SA7 S2\" id=\"t42_119\">14,746 </span><span class=\"S235B SA7 S2\" id=\"t43_119\">78,111 </span><span class=\"S235C SA7 S2\" id=\"t44_119\">- </span><span class=\"S235D SA7 S2\" id=\"t45_119\">375 </span><span class=\"S235E SA7 S2\" id=\"t46_119\">93,232 </span><span class=\"S235F SA7 S2\" id=\"t47_119\">Non-performing </span><span class=\"S2360 SA7 S2\" id=\"t48_119\">- </span><span class=\"S2361 SA7 S2\" id=\"t49_119\">3,779 </span><span class=\"S2362 SA7 S2\" id=\"t4a_119\">506,814 </span><span class=\"S2363 SA7 S2\" id=\"t4b_119\">30,077 </span><span class=\"S2364 SA7 S2\" id=\"t4c_119\">540,670 </span><span class=\"S2365 SB S2\" id=\"t4d_119\">Total loans at amortized cost </span><span class=\"S2366 SB S2\" id=\"t4e_119\">and finance lease receivable </span><span class=\"S2367 SB S2\" id=\"t4f_119\">124,821 </span><span class=\"S2368 SB S2\" id=\"t4g_119\">206,772 </span><span class=\"S2369 SB S2\" id=\"t4h_119\">506,814 </span><span class=\"S236A SB S2\" id=\"t4i_119\">43,590 </span><span class=\"S236B SB S2\" id=\"t4j_119\">881,997 </span><span class=\"S236C SB S2\" id=\"t5_120\">37.1.   Credit risk [continued] </span><span class=\"S236D SB S2\" id=\"t6_120\">37.1.4. </span><span class=\"S236E SB S2\" id=\"t7_120\">Loan portfolio by countries </span><span class=\"S236F SA7 S2\" id=\"t8_120\">An analysis of the non-qualified and qualified gross loan portfolio at amortized cost, finance lease receivables, </span><span class=\"S2370 SA7 S2\" id=\"t9_120\">placements with other banks and repo receivables and their loss allowances by country is as follows: </span><span class=\"S2371 S27D S2\" id=\"ta_120\">2022 </span><span class=\"S2372 S27D S2\" id=\"tb_120\">2021 </span><span class=\"S2373 S27D S2\" id=\"tc_120\">Country </span><span class=\"S2374 S27D S2\" id=\"td_120\">Gross amount of </span><span class=\"S2375 S27D S2\" id=\"te_120\">exposure </span><span class=\"S2376 S27D S2\" id=\"tf_120\">Loss </span><span class=\"S2377 S27D S2\" id=\"tg_120\">allowance </span><span class=\"S2378 S27D S2\" id=\"th_120\">Gross amount of </span><span class=\"S2379 S27D S2\" id=\"ti_120\">exposure </span><span class=\"S237A S27D S2\" id=\"tj_120\">Loss </span><span class=\"S237B S27D S2\" id=\"tk_120\">allowance </span><span class=\"S237C S27E S2\" id=\"tl_120\">Hungary </span><span class=\"S237D S27E S2\" id=\"tm_120\">5,955,212 </span><span class=\"S237E S27E S2\" id=\"tn_120\">235,946 </span><span class=\"S237F S27E S2\" id=\"to_120\">5,528,516 </span><span class=\"S2380 S27E S2\" id=\"tp_120\">215,911 </span><span class=\"S2381 S27E S2\" id=\"tq_120\">Bulgaria </span><span class=\"S2382 S27E S2\" id=\"tr_120\">3,537,330 </span><span class=\"S2383 S27E S2\" id=\"ts_120\">159,412 </span><span class=\"S2384 S27E S2\" id=\"tt_120\">2,972,390 </span><span class=\"S2385 S27E S2\" id=\"tu_120\">206,233 </span><span class=\"S2386 S27E S2\" id=\"tv_120\">Croatia </span><span class=\"S2387 S27E S2\" id=\"tw_120\">2,279,085 </span><span class=\"S2388 S27E S2\" id=\"tx_120\">102,039 </span><span class=\"S2389 S27E S2\" id=\"ty_120\">1,826,233 </span><span class=\"S238A S27E S2\" id=\"tz_120\">101,067 </span><span class=\"S238B S27E S2\" id=\"t10_120\">Serbia </span><span class=\"S238C S27E S2\" id=\"t11_120\">2,127,646 </span><span class=\"S238D S27E S2\" id=\"t12_120\">70,779 </span><span class=\"S238E S27E S2\" id=\"t13_120\">1,729,147 </span><span class=\"S238F S27E S2\" id=\"t14_120\">47,085 </span><span class=\"S2390 S27E S2\" id=\"t15_120\">Romania </span><span class=\"S2391 S27E S2\" id=\"t16_120\">1,326,510 </span><span class=\"S2392 S27E S2\" id=\"t17_120\">65,646 </span><span class=\"S2393 S27E S2\" id=\"t18_120\">1,076,696 </span><span class=\"S2394 S27E S2\" id=\"t19_120\">57,665 </span><span class=\"S2395 S27E S2\" id=\"t1a_120\">Slovenia </span><span class=\"S2396 S27E S2\" id=\"t1b_120\">1,200,735 </span><span class=\"S2397 S27E S2\" id=\"t1c_120\">14,627 </span><span class=\"S2398 S27E S2\" id=\"t1d_120\">981,307 </span><span class=\"S2399 S27E S2\" id=\"t1e_120\">16,244 </span><span class=\"S239A S27E S2\" id=\"t1f_120\">Russia </span><span class=\"S239B S27E S2\" id=\"t1g_120\">1,053,208 </span><span class=\"S239C S27E S2\" id=\"t1h_120\">187,610 </span><span class=\"S239D S27E S2\" id=\"t1i_120\">812,070 </span><span class=\"S239E S27E S2\" id=\"t1j_120\">137,920 </span><span class=\"S239F S27E S2\" id=\"t1k_120\">Ukraine </span><span class=\"S23A0 S27E S2\" id=\"t1l_120\">543,159 </span><span class=\"S23A1 S27E S2\" id=\"t1m_120\">124,859 </span><span class=\"S23A2 S27E S2\" id=\"t1n_120\">684,030 </span><span class=\"S23A3 S27E S2\" id=\"t1o_120\">52,678 </span><span class=\"S23A4 S27E S2\" id=\"t1p_120\">Montenegro </span><span class=\"S23A5 S27E S2\" id=\"t1q_120\">454,567 </span><span class=\"S23A6 S27E S2\" id=\"t1r_120\">22,421 </span><span class=\"S23A7 S27E S2\" id=\"t1s_120\">385,342 </span><span class=\"S23A8 S27E S2\" id=\"t1t_120\">24,930 </span><span class=\"S23A9 S27E S2\" id=\"t1u_120\">France </span><span class=\"S23AA S27E S2\" id=\"t1v_120\">272,848 </span><span class=\"S23AB S27E S2\" id=\"t1w_120\">1,171 </span><span class=\"S23AC S27E S2\" id=\"t1x_120\">182,850 </span><span class=\"S23AD S27E S2\" id=\"t1y_120\">725 </span><span class=\"S23AE S27E S2\" id=\"t1z_120\">Albania </span><span class=\"S23AF S27E S2\" id=\"t20_120\">390,856 </span><span class=\"S23B0 S27E S2\" id=\"t21_120\">16,660 </span><span class=\"S23B1 S27E S2\" id=\"t22_120\">233,391 </span><span class=\"S23B2 S27E S2\" id=\"t23_120\">10,551 </span><span class=\"S23B3 S27E S2\" id=\"t24_120\">Moldova </span><span class=\"S23B4 S27E S2\" id=\"t25_120\">171,616 </span><span class=\"S23B5 S27E S2\" id=\"t26_120\">11,181 </span><span class=\"S23B6 S27E S2\" id=\"t27_120\">166,720 </span><span class=\"S23B7 S27E S2\" id=\"t28_120\">5,025 </span><span class=\"S23B8 S27E S2\" id=\"t29_120\">Germany </span><span class=\"S23B9 S27E S2\" id=\"t2a_120\">39,631 </span><span class=\"S23BA S27E S2\" id=\"t2b_120\">525 </span><span class=\"S23BB S27E S2\" id=\"t2c_120\">84,164 </span><span class=\"S23BC S27E S2\" id=\"t2d_120\">675 </span><span class=\"S23BD S27E S2\" id=\"t2e_120\">Belgium </span><span class=\"S23BE S27E S2\" id=\"t2f_120\">38,855 </span><span class=\"S23BF S27E S2\" id=\"t2g_120\">134 </span><span class=\"S23C0 S27E S2\" id=\"t2h_120\">80,434 </span><span class=\"S23C1 S27E S2\" id=\"t2i_120\">328 </span><span class=\"S23C2 S27E S2\" id=\"t2j_120\">Austria </span><span class=\"S23C3 S27E S2\" id=\"t2k_120\">3,182 </span><span class=\"S23C4 S27E S2\" id=\"t2l_120\">31 </span><span class=\"S23C5 S27E S2\" id=\"t2m_120\">40,426 </span><span class=\"S23C6 S27E S2\" id=\"t2n_120\">201 </span><span class=\"S23C7 S27E S2\" id=\"t2o_120\">Slovakia </span><span class=\"S23C8 S27E S2\" id=\"t2p_120\">121,591 </span><span class=\"S23C9 S27E S2\" id=\"t2q_120\">545 </span><span class=\"S23CA S27E S2\" id=\"t2r_120\">80,117 </span><span class=\"S23CB S27E S2\" id=\"t2s_120\">319 </span><span class=\"S23CC S27E S2\" id=\"t2t_120\">The Netherlands </span><span class=\"S23CD S27E S2\" id=\"t2u_120\">101,078 </span><span class=\"S23CE S27E S2\" id=\"t2v_120\">1,864 </span><span class=\"S23CF S27E S2\" id=\"t2w_120\">36,858 </span><span class=\"S23D0 S27E S2\" id=\"t2x_120\">622 </span><span class=\"S23D1 S27E S2\" id=\"t2y_120\">Switzerland </span><span class=\"S23D2 S27E S2\" id=\"t2z_120\">63,843 </span><span class=\"S23D3 S27E S2\" id=\"t30_120\">3,138 </span><span class=\"S23D4 S27E S2\" id=\"t31_120\">80,611 </span><span class=\"S23D5 S27E S2\" id=\"t32_120\">1,701 </span><span class=\"S23D6 S27E S2\" id=\"t33_120\">United Kingdom </span><span class=\"S23D7 S27E S2\" id=\"t34_120\">13,833 </span><span class=\"S23D8 S27E S2\" id=\"t35_120\">1,336 </span><span class=\"S23D9 S27E S2\" id=\"t36_120\">21,209 </span><span class=\"S23DA S27E S2\" id=\"t37_120\">1,763 </span><span class=\"S23DB S27E S2\" id=\"t38_120\">United States of America </span><span class=\"S23DC S27E S2\" id=\"t39_120\">45,232 </span><span class=\"S23DD S27E S2\" id=\"t3a_120\">205 </span><span class=\"S23DE S27E S2\" id=\"t3b_120\">106,347 </span><span class=\"S23DF S27E S2\" id=\"t3c_120\">419 </span><span class=\"S23E0 S27E S2\" id=\"t3d_120\">Luxembourg </span><span class=\"S23E1 S27E S2\" id=\"t3e_120\">3,477 </span><span class=\"S23E2 S27E S2\" id=\"t3f_120\">1,085 </span><span class=\"S23E3 S27E S2\" id=\"t3g_120\">33,251 </span><span class=\"S23E4 S27E S2\" id=\"t3h_120\">1,271 </span><span class=\"S23E5 S27E S2\" id=\"t3i_120\">Poland </span><span class=\"S23E6 S27E S2\" id=\"t3j_120\">34,012 </span><span class=\"S23E7 S27E S2\" id=\"t3k_120\">987 </span><span class=\"S23E8 S27E S2\" id=\"t3l_120\">19,203 </span><span class=\"S23E9 S27E S2\" id=\"t3m_120\">239 </span><span class=\"S23EA S27E S2\" id=\"t3n_120\">Italy </span><span class=\"S23EB S27E S2\" id=\"t3o_120\">9,330 </span><span class=\"S23EC S27E S2\" id=\"t3p_120\">235 </span><span class=\"S23ED S27E S2\" id=\"t3q_120\">10,558 </span><span class=\"S23EE S27E S2\" id=\"t3r_120\">239 </span><span class=\"S23EF S27E S2\" id=\"t3s_120\">Ireland </span><span class=\"S23F0 S27E S2\" id=\"t3t_120\">5,966 </span><span class=\"S23F1 S27E S2\" id=\"t3u_120\">116 </span><span class=\"S23F2 S27E S2\" id=\"t3v_120\">5,375 </span><span class=\"S23F3 S27E S2\" id=\"t3w_120\">106 </span><span class=\"S23F4 S27E S2\" id=\"t3x_120\">Cyprus </span><span class=\"S23F5 S27E S2\" id=\"t3y_120\">5,311 </span><span class=\"S23F6 S27E S2\" id=\"t3z_120\">217 </span><span class=\"S23F7 S27E S2\" id=\"t40_120\">8,646 </span><span class=\"S23F8 S27E S2\" id=\"t41_120\">562 </span><span class=\"S23F9 S27E S2\" id=\"t42_120\">Denmark </span><span class=\"S23FA S27E S2\" id=\"t43_120\">46 </span><span class=\"S23FB S27E S2\" id=\"t44_120\">7 </span><span class=\"S23FC S27E S2\" id=\"t45_120\">339 </span><span class=\"S23FD S27E S2\" id=\"t46_120\">16 </span><span class=\"S23FE S27E S2\" id=\"t47_120\">Czech Republic </span><span class=\"S23FF S27E S2\" id=\"t48_120\">739 </span><span class=\"S2400 S27E S2\" id=\"t49_120\">10 </span><span class=\"S2401 S27E S2\" id=\"t4a_120\">899 </span><span class=\"S2402 S27E S2\" id=\"t4b_120\">12 </span><span class=\"S2403 S27E S2\" id=\"t4c_120\">Canada </span><span class=\"S2404 S27E S2\" id=\"t4d_120\">74 </span><span class=\"S2405 S27E S2\" id=\"t4e_120\">4 </span><span class=\"S2406 S27E S2\" id=\"t4f_120\">4,823 </span><span class=\"S2407 S27E S2\" id=\"t4g_120\">16 </span><span class=\"S2408 S27E S2\" id=\"t4h_120\">Australia </span><span class=\"S2409 S27E S2\" id=\"t4i_120\">58 </span><span class=\"S240A S27E S2\" id=\"t4j_120\">13 </span><span class=\"S240B S27E S2\" id=\"t4k_120\">3,164 </span><span class=\"S240C S27E S2\" id=\"t4l_120\">10 </span><span class=\"S240D S27E S2\" id=\"t4m_120\">Greece </span><span class=\"S240E S27E S2\" id=\"t4n_120\">999 </span><span class=\"S240F S27E S2\" id=\"t4o_120\">122 </span><span class=\"S2410 S27E S2\" id=\"t4p_120\">1,808 </span><span class=\"S2411 S27E S2\" id=\"t4q_120\">192 </span><span class=\"S2412 S27E S2\" id=\"t4r_120\">Turkey </span><span class=\"S2413 S27E S2\" id=\"t4s_120\">1,418 </span><span class=\"S2414 S27E S2\" id=\"t4t_120\">63 </span><span class=\"S2415 S27E S2\" id=\"t4u_120\">1,810 </span><span class=\"S2416 S27E S2\" id=\"t4v_120\">95 </span><span class=\"S2417 S27E S2\" id=\"t4w_120\">Spain </span><span class=\"S2418 S27E S2\" id=\"t4x_120\">1,164 </span><span class=\"S2419 S27E S2\" id=\"t4y_120\">35 </span><span class=\"S241A S27E S2\" id=\"t4z_120\">1,095 </span><span class=\"S241B S27E S2\" id=\"t50_120\">25 </span><span class=\"S241C S27E S2\" id=\"t51_120\">Israel </span><span class=\"S241D S27E S2\" id=\"t52_120\">937 </span><span class=\"S241E S27E S2\" id=\"t53_120\">13 </span><span class=\"S241F S27E S2\" id=\"t54_120\">1,174 </span><span class=\"S2420 S27E S2\" id=\"t55_120\">15 </span><span class=\"S2421 S27E S2\" id=\"t56_120\">Bosnia and Herzegovina </span><span class=\"S2422 S27E S2\" id=\"t57_120\">673 </span><span class=\"S2423 S27E S2\" id=\"t58_120\">97 </span><span class=\"S2424 S27E S2\" id=\"t59_120\">467 </span><span class=\"S2425 S27E S2\" id=\"t5a_120\">76 </span><span class=\"S2426 S27E S2\" id=\"t5b_120\">Sweden </span><span class=\"S2427 S27E S2\" id=\"t5c_120\">542 </span><span class=\"S2428 S27E S2\" id=\"t5d_120\">30 </span><span class=\"S2429 S27E S2\" id=\"t5e_120\">810 </span><span class=\"S242A S27E S2\" id=\"t5f_120\">63 </span><span class=\"S242B S27E S2\" id=\"t5g_120\">Norway </span><span class=\"S242C S27E S2\" id=\"t5h_120\">107 </span><span class=\"S242D S27E S2\" id=\"t5i_120\">9 </span><span class=\"S242E S27E S2\" id=\"t5j_120\">334 </span><span class=\"S242F S27E S2\" id=\"t5k_120\">23 </span><span class=\"S2430 S27E S2\" id=\"t5l_120\">Saudi Arabia </span><span class=\"S2431 S27E S2\" id=\"t5m_120\">87 </span><span class=\"S2432 S27E S2\" id=\"t5n_120\">70 </span><span class=\"S2433 S27E S2\" id=\"t5o_120\">239 </span><span class=\"S2434 S27E S2\" id=\"t5p_120\">9 </span><span class=\"S2435 S27E S2\" id=\"t5q_120\">United Arab Emirates </span><span class=\"S2436 S27E S2\" id=\"t5r_120\">36 </span><span class=\"S2437 S27E S2\" id=\"t5s_120\">26 </span><span class=\"S2438 S27E S2\" id=\"t5t_120\">532 </span><span class=\"S2439 S27E S2\" id=\"t5u_120\">30 </span><span class=\"S243A S27E S2\" id=\"t5v_120\">Egypt </span><span class=\"S243B S27E S2\" id=\"t5w_120\">726 </span><span class=\"S243C S27E S2\" id=\"t5x_120\">14 </span><span class=\"S243D S27E S2\" id=\"t5y_120\">582 </span><span class=\"S243E S27E S2\" id=\"t5z_120\">15 </span><span class=\"S243F S27E S2\" id=\"t60_120\">Kazakhstan </span><span class=\"S2440 S27E S2\" id=\"t61_120\">224 </span><span class=\"S2441 S27E S2\" id=\"t62_120\">9 </span><span class=\"S2442 S27E S2\" id=\"t63_120\">209 </span><span class=\"S2443 S27E S2\" id=\"t64_120\">15 </span><span class=\"S2444 S27E S2\" id=\"t65_120\">Latvia </span><span class=\"S2445 S27E S2\" id=\"t66_120\">50 </span><span class=\"S2446 S27E S2\" id=\"t67_120\">30 </span><span class=\"S2447 S27E S2\" id=\"t68_120\">46 </span><span class=\"S2448 S27E S2\" id=\"t69_120\">26 </span><span class=\"S2449 S27E S2\" id=\"t6a_120\">Other </span><span class=\"S244A S1F81 S2\" id=\"t6b_120\">1 </span><span class=\"S244B S27E S2\" id=\"t6c_120\">2,877 </span><span class=\"S244C S27E S2\" id=\"t6d_120\">248 </span><span class=\"S244D S27E S2\" id=\"t6e_120\">2,783 </span><span class=\"S244E S27E S2\" id=\"t6f_120\">164 </span><span class=\"S244F S27D S2\" id=\"t6g_120\">Total </span><span class=\"S2450 S27D S2\" id=\"t6h_120\">19,808,870 </span><span class=\"S2451 S27D S2\" id=\"t6i_120\">1,023,569 </span><span class=\"S2452 S27D S2\" id=\"t6j_120\">17,207,005 </span><span class=\"S2453 S27D S2\" id=\"t6k_120\">885,281 </span><span class=\"S2454 S482 S2\" id=\"t6l_120\">1 </span><span class=\"S2455 S483 S2\" id=\"t6m_120\">Other category as at 31 December 2022 mainly includes e.g.: Japan, Macedonia, Portugal, China, Brazil, Lithuania, Republic of South- </span><span class=\"S2456 S483 S2\" id=\"t6n_120\">Africa, Armenia, Belorussia, Tunisia, Iran, Syria, Kosovo and other countries. </span><span class=\"S1E6F SB S2\" id=\"t5_121\">37.1.  Credit risk [continued] </span><span class=\"S2457 SB S2\" id=\"t6_121\">37.1.4.  Loan portfolio by countries [continued] </span><span class=\"S2458 SB S2\" id=\"t7_121\">Country </span><span class=\"SE8E SB S2\" id=\"t8_121\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_121\">2021 </span><span class=\"S2459 SA7 S2\" id=\"ta_121\">Hungary </span><span class=\"S245A SA7 S2\" id=\"tb_121\">1,247,401 </span><span class=\"S245B SA7 S2\" id=\"tc_121\">1,067,830 </span><span class=\"S245C SA7 S2\" id=\"td_121\">Croatia </span><span class=\"SFF9 SA7 S2\" id=\"te_121\">- </span><span class=\"S245D SA7 S2\" id=\"tf_121\">281 </span><span class=\"S245E SA7 S2\" id=\"tg_121\">Others </span><span class=\"S245F SA7 S2\" id=\"th_121\">13 </span><span class=\"S2460 SA7 S2\" id=\"ti_121\">- </span><span class=\"S2461 SB S2\" id=\"tj_121\">Total loans at fair value </span><span class=\"S2462 SB S2\" id=\"tk_121\">1,247,414 </span><span class=\"S2463 SB S2\" id=\"tl_121\">1,068,111 </span><span class=\"S2464 SB S2\" id=\"tm_121\">37.1.5.  Loan portfolio classification by economic activities </span><span class=\"S2465 SB S2\" id=\"tn_121\">Gross loan at amortized cost and finance lease </span><span class=\"S2466 SB S2\" id=\"to_121\">2022 </span><span class=\"S2467 SB S2\" id=\"tp_121\">2021 </span><span class=\"S2468 SB S2\" id=\"tq_121\">receivable portfolio by economic activities </span><span class=\"S2469 SA7 S2\" id=\"tr_121\">Retail </span><span class=\"S246A SA7 S2\" id=\"ts_121\">8,575,020 </span><span class=\"S246B SA7 S2\" id=\"tt_121\">7,826,752 </span><span class=\"S246C SA7 S2\" id=\"tu_121\">Agriculture, forestry and fishing </span><span class=\"S246D SA7 S2\" id=\"tv_121\">752,497 </span><span class=\"S246E SA7 S2\" id=\"tw_121\">610,270 </span><span class=\"S246F SA7 S2\" id=\"tx_121\">Manufacturing, mining and quarrying </span><span class=\"S2470 SA7 S2\" id=\"ty_121\">and other industry </span><span class=\"S2471 SA7 S2\" id=\"tz_121\">2,338,129 </span><span class=\"S2472 SA7 S2\" id=\"t10_121\">1,830,591 </span><span class=\"S2473 SA7 S2\" id=\"t11_121\">Construction </span><span class=\"S2474 SA7 S2\" id=\"t12_121\">734,908 </span><span class=\"S2475 SA7 S2\" id=\"t13_121\">600,945 </span><span class=\"S2476 SA7 S2\" id=\"t14_121\">Wholesale and retail trade, transportation and </span><span class=\"S2477 SA7 S2\" id=\"t15_121\">storage accommodation and food service activities </span><span class=\"S2478 SA7 S2\" id=\"t16_121\">2,948,392 </span><span class=\"S2479 SA7 S2\" id=\"t17_121\">2,525,942 </span><span class=\"S247A SA7 S2\" id=\"t18_121\">Information and communication </span><span class=\"S247B SA7 S2\" id=\"t19_121\">241,809 </span><span class=\"S247C SA7 S2\" id=\"t1a_121\">196,045 </span><span class=\"S247D SA7 S2\" id=\"t1b_121\">Financial and insurance activities </span><span class=\"S247E SA7 S2\" id=\"t1c_121\">354,235 </span><span class=\"S247F SA7 S2\" id=\"t1d_121\">273,817 </span><span class=\"S2480 SA7 S2\" id=\"t1e_121\">Real estate activities </span><span class=\"S2481 SA7 S2\" id=\"t1f_121\">841,069 </span><span class=\"S2482 SA7 S2\" id=\"t1g_121\">568,810 </span><span class=\"S2483 SA7 S2\" id=\"t1h_121\">Professional, scientific, technical, administration </span><span class=\"S2484 SA7 S2\" id=\"t1i_121\">and support service activities </span><span class=\"S2485 SA7 S2\" id=\"t1j_121\">657,055 </span><span class=\"S2486 SA7 S2\" id=\"t1k_121\">437,813 </span><span class=\"S2487 SA7 S2\" id=\"t1l_121\">Public administration, defence, education, </span><span class=\"S2488 SA7 S2\" id=\"t1m_121\">human health and social work activities </span><span class=\"S2489 SA7 S2\" id=\"t1n_121\">494,955 </span><span class=\"S248A SA7 S2\" id=\"t1o_121\">429,290 </span><span class=\"S248B SA7 S2\" id=\"t1p_121\">Other services </span><span class=\"S248C SA7 S2\" id=\"t1q_121\">474,632 </span><span class=\"S248D SA7 S2\" id=\"t1r_121\">257,533 </span><span class=\"S248E SB S2\" id=\"t1s_121\">Total gross loans and finance lease receivable </span><span class=\"S248F SB S2\" id=\"t1t_121\">18,412,701 </span><span class=\"S2490 SB S2\" id=\"t1u_121\">15,557,808 </span><span class=\"S1E6F SB S2\" id=\"t5_122\">37.1.  Credit risk [continued] </span><span class=\"S2492 SB S2\" id=\"t6_122\">37.1.5.  Loan portfolio classification by economic activities [continued] </span><span class=\"S2493 SB S2\" id=\"t7_122\">Loss allowance on loans at amortized cost and </span><span class=\"SE8E SB S2\" id=\"t8_122\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_122\">2021 </span><span class=\"S2494 SB S2\" id=\"ta_122\">finance lease receivable by economic activities </span><span class=\"S2495 SA7 S2\" id=\"tb_122\">Retail </span><span class=\"S2496 SA7 S2\" id=\"tc_122\">633,253 </span><span class=\"S2497 SA7 S2\" id=\"td_122\">599,650 </span><span class=\"S2498 SA7 S2\" id=\"te_122\">Agriculture, forestry and fishing </span><span class=\"S2499 SA7 S2\" id=\"tf_122\">39,200 </span><span class=\"S249A SA7 S2\" id=\"tg_122\">20,118 </span><span class=\"S249B SA7 S2\" id=\"th_122\">Manufacturing, mining and quarrying </span><span class=\"S249C SA7 S2\" id=\"ti_122\">and other industry </span><span class=\"SFFF SA7 S2\" id=\"tj_122\">94,324 </span><span class=\"S249D SA7 S2\" id=\"tk_122\">62,951 </span><span class=\"S249E SA7 S2\" id=\"tl_122\">Construction </span><span class=\"S249F SA7 S2\" id=\"tm_122\">26,040 </span><span class=\"S24A0 SA7 S2\" id=\"tn_122\">22,165 </span><span class=\"S24A1 SA7 S2\" id=\"to_122\">Wholesale and retail trade, transportation and </span><span class=\"S24A2 SA7 S2\" id=\"tp_122\">storage accommodation and food service activities </span><span class=\"S24A3 SA7 S2\" id=\"tq_122\">141,799 </span><span class=\"S24A4 SA7 S2\" id=\"tr_122\">105,934 </span><span class=\"S24A5 SA7 S2\" id=\"ts_122\">Information and communication </span><span class=\"S24A6 SA7 S2\" id=\"tt_122\">6,293 </span><span class=\"S100C SA7 S2\" id=\"tu_122\">5,117 </span><span class=\"S24A7 SA7 S2\" id=\"tv_122\">Financial and insurance activities </span><span class=\"S24A8 SA7 S2\" id=\"tw_122\">12,373 </span><span class=\"S24A9 SA7 S2\" id=\"tx_122\">12,945 </span><span class=\"S24AA SA7 S2\" id=\"ty_122\">Real estate activities </span><span class=\"S24AB SA7 S2\" id=\"tz_122\">29,500 </span><span class=\"S24AC SA7 S2\" id=\"t10_122\">21,363 </span><span class=\"S24AD SA7 S2\" id=\"t11_122\">Professional, scientific, technical, administration </span><span class=\"S24AE SA7 S2\" id=\"t12_122\">and support service activities </span><span class=\"S24AF SA7 S2\" id=\"t13_122\">18,079 </span><span class=\"S24B0 SA7 S2\" id=\"t14_122\">13,464 </span><span class=\"S24B1 SA7 S2\" id=\"t15_122\">Public administration, defence, education, </span><span class=\"S24B2 SA7 S2\" id=\"t16_122\">human health and social work activities </span><span class=\"S24B3 SA7 S2\" id=\"t17_122\">7,783 </span><span class=\"S24B4 SA7 S2\" id=\"t18_122\">4,828 </span><span class=\"S24B5 SA7 S2\" id=\"t19_122\">Other services </span><span class=\"SF57 SA7 S2\" id=\"t1a_122\">10,847 </span><span class=\"SF58 SA7 S2\" id=\"t1b_122\">13,462 </span><span class=\"S24B6 SB S2\" id=\"t1c_122\">Total loss allowance on loans and </span><span class=\"S24B7 SB S2\" id=\"t1d_122\">finance lease receivable </span><span class=\"S24B8 SB S2\" id=\"t1e_122\">1,019,491 </span><span class=\"S24B9 SB S2\" id=\"t1f_122\">881,997 </span><span class=\"S24BA SB S2\" id=\"t1g_122\">37.1.6.  Collateral </span><span class=\"S24BB SA7 S2\" id=\"t1h_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24BC SB S2\" id=\"t1i_122\">total collateral</span><span class=\"S24BD SA7 S2\" id=\"t1j_122\">). The collateral </span><span class=\"S24BE SA7 S2\" id=\"t1k_122\">covers loans as well as off-balance sheet exposures. </span><span class=\"S24BF SB S2\" id=\"t1l_122\">Types of collateral </span><span class=\"S1842 SB S2\" id=\"t1m_122\">2022 </span><span class=\"S1843 SB S2\" id=\"t1n_122\">2021 </span><span class=\"S24C0 SA7 S2\" id=\"t1o_122\">Mortgages </span><span class=\"S24C1 SA7 S2\" id=\"t1p_122\">16,332,892 </span><span class=\"S24C2 SA7 S2\" id=\"t1q_122\">13,367,891 </span><span class=\"S24C3 SA7 S2\" id=\"t1r_122\">Guarantees and warranties </span><span class=\"S24C4 SA7 S2\" id=\"t1s_122\">1,630,318 </span><span class=\"S24C5 SA7 S2\" id=\"t1t_122\">1,296,415 </span><span class=\"S24C6 SA7 S2\" id=\"t1u_122\">Guarantees of state or organizations owned by state </span><span class=\"S24C7 SA7 S2\" id=\"t1v_122\">1,635,382 </span><span class=\"S24C8 SA7 S2\" id=\"t1w_122\">1,070,479 </span><span class=\"S24C9 SA7 S2\" id=\"t1x_122\">Assignments (revenue or other receivables) </span><span class=\"S24CA SA7 S2\" id=\"t1y_122\">423,098 </span><span class=\"S24CB SA7 S2\" id=\"t1z_122\">422,030 </span><span class=\"S24CC SA7 S2\" id=\"t20_122\">Securities </span><span class=\"S24CD SA7 S2\" id=\"t21_122\">168,941 </span><span class=\"S24CE SA7 S2\" id=\"t22_122\">237,076 </span><span class=\"S24CF SA7 S2\" id=\"t23_122\">Cash deposits </span><span class=\"S24D0 SA7 S2\" id=\"t24_122\">208,487 </span><span class=\"S24D1 SA7 S2\" id=\"t25_122\">187,934 </span><span class=\"S24D2 SA7 S2\" id=\"t26_122\">Other </span><span class=\"S24D3 SA7 S2\" id=\"t27_122\">1,758,802 </span><span class=\"S24D4 SA7 S2\" id=\"t28_122\">2,211,671 </span><span class=\"S24D5 SB S2\" id=\"t29_122\">Total </span><span class=\"S24D6 SB S2\" id=\"t2a_122\">22,157,920 </span><span class=\"S24D7 SB S2\" id=\"t2b_122\">18,793,496 </span><span class=\"S24D8 SA7 S2\" id=\"t2c_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24D9 SB S2\" id=\"t2d_122\">to the extent of the exposures</span><span class=\"S24DA SA7 S2\" id=\"t2e_122\">). </span><span class=\"S24DB SA7 S2\" id=\"t2f_122\">The collaterals cover loans as well as off-balance sheet exposures. </span><span class=\"S24DC SB S2\" id=\"t2g_122\">Types of collateral </span><span class=\"S24DD SB S2\" id=\"t2h_122\">2022 </span><span class=\"S24DE SB S2\" id=\"t2i_122\">2021 </span><span class=\"S24DF SA7 S2\" id=\"t2j_122\">Mortgages </span><span class=\"S24E0 SA7 S2\" id=\"t2k_122\">8,044,836 </span><span class=\"S24E1 SA7 S2\" id=\"t2l_122\">6,479,871 </span><span class=\"S24E2 SA7 S2\" id=\"t2m_122\">Guarantees of state or organizations owned by state </span><span class=\"S24E3 SA7 S2\" id=\"t2n_122\">1,241,702 </span><span class=\"S24E4 SA7 S2\" id=\"t2o_122\">832,432 </span><span class=\"S24E5 SA7 S2\" id=\"t2p_122\">Guarantees and warranties </span><span class=\"S24E6 SA7 S2\" id=\"t2q_122\">1,016,672 </span><span class=\"S24E7 SA7 S2\" id=\"t2r_122\">799,775 </span><span class=\"S24E8 SA7 S2\" id=\"t2s_122\">Assignments (revenue or other receivables) </span><span class=\"S24E9 SA7 S2\" id=\"t2t_122\">220,062 </span><span class=\"S24EA SA7 S2\" id=\"t2u_122\">290,066 </span><span class=\"S24EB SA7 S2\" id=\"t2v_122\">Securities </span><span class=\"S24EC SA7 S2\" id=\"t2w_122\">99,345 </span><span class=\"S24ED SA7 S2\" id=\"t2x_122\">156,715 </span><span class=\"S24EE SA7 S2\" id=\"t2y_122\">Cash deposits </span><span class=\"S24EF SA7 S2\" id=\"t2z_122\">80,313 </span><span class=\"S24F0 SA7 S2\" id=\"t30_122\">76,338 </span><span class=\"S24F1 SA7 S2\" id=\"t31_122\">Other </span><span class=\"S24F2 SA7 S2\" id=\"t32_122\">752,241 </span><span class=\"S24F3 SA7 S2\" id=\"t33_122\">1,295,740 </span><span class=\"S24F4 SB S2\" id=\"t34_122\">Total </span><span class=\"S24F5 SB S2\" id=\"t35_122\">11,455,171 </span><span class=\"S24F6 SB S2\" id=\"t36_122\">9,930,937 </span><span class=\"S1E6F SB S2\" id=\"t5_123\">37.1.  Credit risk [continued] </span><span class=\"S24F7 SB S2\" id=\"t6_123\">37.1.6.  Collateral [continued] </span><span class=\"S24F8 SA7 S2\" id=\"t7_123\">The coverage level of the loan portfolio (total collateral) increased by 2.22 pps and the coverage level to the extent </span><span class=\"S746 SA7 S2\" id=\"t8_123\">of the exposures also increased by 0.06 pps as at 31 December 2022. </span><span class=\"S8B0 SA7 S2\" id=\"t9_123\">The values of collateral given and held by the Group according to which financial asset is recognized as collateral </span><span class=\"S24F9 SA7 S2\" id=\"ta_123\">are as follows: </span><span class=\"S24FA SB S2\" id=\"tb_123\">Financial assets as collaterals recognized in the </span><span class=\"S24FB SB S2\" id=\"tc_123\">2022 </span><span class=\"S24FC SB S2\" id=\"td_123\">2021 </span><span class=\"S24FD SB S2\" id=\"te_123\">consolidated statement of financial position </span><span class=\"S24FE SA7 S2\" id=\"tf_123\">Cash, amounts due from banks and balances </span><span class=\"S24FF SA7 S2\" id=\"tg_123\">with the National Banks </span><span class=\"S2500 SA7 S2\" id=\"th_123\">87,916 </span><span class=\"S2501 SA7 S2\" id=\"ti_123\">15,791 </span><span class=\"S2502 SA7 S2\" id=\"tj_123\">Placements with other banks </span><span class=\"S2503 SA7 S2\" id=\"tk_123\">11,313 </span><span class=\"S2504 SA7 S2\" id=\"tl_123\">9,590 </span><span class=\"S2505 SA7 S2\" id=\"tm_123\">Repo receivables </span><span class=\"S2506 SA7 S2\" id=\"tn_123\">13,253 </span><span class=\"S2507 SA7 S2\" id=\"to_123\">35,826 </span><span class=\"S2508 SA7 S2\" id=\"tp_123\">Securities at fair value through other comprehensive income </span><span class=\"S2509 SA7 S2\" id=\"tq_123\">- </span><span class=\"S250A SA7 S2\" id=\"tr_123\">16,546 </span><span class=\"S250B SA7 S2\" id=\"ts_123\">Securities at amortized cost </span><span class=\"S250C SA7 S2\" id=\"tt_123\">91,991 </span><span class=\"S250D SA7 S2\" id=\"tu_123\">42,233 </span><span class=\"S250E SA7 S2\" id=\"tv_123\">Loans at amortized cost </span><span class=\"S250F SA7 S2\" id=\"tw_123\">1,099,311 </span><span class=\"S2510 SA7 S2\" id=\"tx_123\">1,089,614 </span><span class=\"S2511 SA7 S2\" id=\"ty_123\">Finance lease receivables </span><span class=\"S2512 SA7 S2\" id=\"tz_123\">32,553 </span><span class=\"S2513 SA7 S2\" id=\"t10_123\">32,553 </span><span class=\"S2514 SB S2\" id=\"t11_123\">Total </span><span class=\"S2515 SB S2\" id=\"t12_123\">1,336,337 </span><span class=\"S2516 SB S2\" id=\"t13_123\">1,242,153 </span><span class=\"S2517 SB S2\" id=\"t14_123\">37.1.7.  Restructured loans </span><span class=\"S2518 SB S2\" id=\"t15_123\">2022 </span><span class=\"S2519 SB S2\" id=\"t16_123\">2021 </span><span class=\"S251A SB S2\" id=\"t17_123\">Gross </span><span class=\"S251B SB S2\" id=\"t18_123\">portfolio </span><span class=\"S251C SB S2\" id=\"t19_123\">Loss </span><span class=\"S251D SB S2\" id=\"t1a_123\">allowance </span><span class=\"S251E SB S2\" id=\"t1b_123\">Gross </span><span class=\"S251F SB S2\" id=\"t1c_123\">portfolio </span><span class=\"S2520 SB S2\" id=\"t1d_123\">Loss </span><span class=\"S2521 SB S2\" id=\"t1e_123\">allowance </span><span class=\"S2522 SA7 S2\" id=\"t1f_123\">Retail mortgage loans </span><span class=\"S2523 SA7 S2\" id=\"t1g_123\">89,167 </span><span class=\"S2524 SA7 S2\" id=\"t1h_123\">(5,803) </span><span class=\"S2525 SA7 S2\" id=\"t1i_123\">269,700 </span><span class=\"S2526 SA7 S2\" id=\"t1j_123\">(8,779) </span><span class=\"S2527 SA7 S2\" id=\"t1k_123\">Loans to medium and large corporations </span><span class=\"S2528 SA7 S2\" id=\"t1l_123\">403,643 </span><span class=\"S2529 SA7 S2\" id=\"t1m_123\">(59,453) </span><span class=\"S252A SA7 S2\" id=\"t1n_123\">276,796 </span><span class=\"S252B SA7 S2\" id=\"t1o_123\">(44,197) </span><span class=\"S252C SA7 S2\" id=\"t1p_123\">Retail consumer loans </span><span class=\"S252D SA7 S2\" id=\"t1q_123\">64,268 </span><span class=\"S252E SA7 S2\" id=\"t1r_123\">(21,346) </span><span class=\"S252F SA7 S2\" id=\"t1s_123\">149,469 </span><span class=\"S2530 SA7 S2\" id=\"t1t_123\">(32,850) </span><span class=\"S2531 SA7 S2\" id=\"t1u_123\">Loans to micro and small enterprises </span><span class=\"S2532 SA7 S2\" id=\"t1v_123\">59,096 </span><span class=\"S2533 SA7 S2\" id=\"t1w_123\">(4,750) </span><span class=\"S2534 SA7 S2\" id=\"t1x_123\">57,403 </span><span class=\"S2535 SA7 S2\" id=\"t1y_123\">(7,668) </span><span class=\"S2536 SA7 S2\" id=\"t1z_123\">Municipal </span><span class=\"S2537 SA7 S2\" id=\"t20_123\">- </span><span class=\"S2538 SA7 S2\" id=\"t21_123\">- </span><span class=\"S2539 SA7 S2\" id=\"t22_123\">75 </span><span class=\"S253A SA7 S2\" id=\"t23_123\">(8) </span><span class=\"S253B SA7 S2\" id=\"t24_123\">Other loans </span><span class=\"S253C SA7 S2\" id=\"t25_123\">3,417 </span><span class=\"S253D SA7 S2\" id=\"t26_123\">(1,361) </span><span class=\"S253E SA7 S2\" id=\"t27_123\">27,092 </span><span class=\"S253F SA7 S2\" id=\"t28_123\">(2,555) </span><span class=\"S2540 SB S2\" id=\"t29_123\">Total </span><span class=\"S2541 SB S2\" id=\"t2a_123\">619,591 </span><span class=\"S2542 SB S2\" id=\"t2b_123\">(92,713) </span><span class=\"S2543 SB S2\" id=\"t2c_123\">780,535 </span><span class=\"S2544 SB S2\" id=\"t2d_123\">(96,057) </span><span class=\"SA12 SA7 S2\" id=\"t2e_123\">The forborne definition used by the Group is based on EU 2015/227 regulation. </span><span class=\"S2545 SA7 S2\" id=\"t2f_123\">Restructuring (forbearance) is a modification of the contract </span><span class=\"S2546 S5B9 S2\" id=\"t2g_123\">\u2013 </span><span class=\"S2547 SA7 S2\" id=\"t2h_123\">initiated by either the client or the bank </span><span class=\"S2548 S5B9 S2\" id=\"t2i_123\">\u2013 </span><span class=\"S2549 SA7 S2\" id=\"t2j_123\">that </span><span class=\"S254A SA7 S2\" id=\"t2k_123\">provides a concession or </span><span class=\"S254B S5B9 S2\" id=\"t2l_123\">allowance towards the client in respect to the client\u2019s current or future financial </span><span class=\"S254C SA7 S2\" id=\"t2m_123\">difficulties. The table of restructured loans contains exposures classified as performing forborne. An exposure is </span><span class=\"S254D SA7 S2\" id=\"t2n_123\">considered performing forborne if the conditions of the non-performing status are not met at the time of the </span><span class=\"S254E SA7 S2\" id=\"t2o_123\">restructuring, or the exposure fulfilled the requirements of the minimum one-year cure period as non-performing </span><span class=\"S254F SA7 S2\" id=\"t2p_123\">forborne. </span><span class=\"S2550 SA7 S2\" id=\"t2q_123\">The loan volume of Hungarian entities classified as performing forborne exclusively due to moratoria participation </span><span class=\"S2551 SA7 S2\" id=\"t2r_123\">decreased significantly due the expiration of the probation period for retail exposures (a total decrease of HUF 320 </span><span class=\"S2552 SA7 S2\" id=\"t2s_123\">billion). This was partially offset by the increased volume of forborne exposures in Ukraine and Russia (a total </span><span class=\"S2553 SA7 S2\" id=\"t2t_123\">increase of HUF 132 billion). </span><span class=\"S1E99 SB S2\" id=\"t5_124\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_124\">37.1.8. </span><span class=\"S2554 S603 S2\" id=\"t7_124\">Financial instruments by Moody\u2019s rating categories </span><span class=\"S2555 SB S2\" id=\"t8_124\">Securities held for trading as at fair value through profit or loss </span><span class=\"S2556 S2669 S2\" id=\"t9_124\">2022 </span><span class=\"S2557 S2669 S2\" id=\"ta_124\">Aaa </span><span class=\"S2558 S2669 S2\" id=\"tb_124\">Aa2 </span><span class=\"S2559 S2669 S2\" id=\"tc_124\">Aa3 </span><span class=\"S255A S2669 S2\" id=\"td_124\">A1 </span><span class=\"S255B S2669 S2\" id=\"te_124\">A2 </span><span class=\"S255C S2669 S2\" id=\"tf_124\">A3 </span><span class=\"S255D S2669 S2\" id=\"tg_124\">Baa1 </span><span class=\"S255E S2669 S2\" id=\"th_124\">Baa2 </span><span class=\"S255F S2669 S2\" id=\"ti_124\">Baa3 </span><span class=\"S2560 S2669 S2\" id=\"tj_124\">Ba1 </span><span class=\"S2561 S2669 S2\" id=\"tk_124\">Ba2 </span><span class=\"S2562 S2669 S2\" id=\"tl_124\">Ba3 </span><span class=\"S2563 S2669 S2\" id=\"tm_124\">N/A </span><span class=\"S2564 S2669 S2\" id=\"tn_124\">Total </span><span class=\"S2565 S266A S2\" id=\"to_124\">Government bonds </span><span class=\"S2566 S266A S2\" id=\"tp_124\">346 </span><span class=\"S2567 S266A S2\" id=\"tq_124\">- </span><span class=\"S2568 S266A S2\" id=\"tr_124\">- </span><span class=\"S2569 S266A S2\" id=\"ts_124\">- </span><span class=\"S256A S266A S2\" id=\"tt_124\">197 </span><span class=\"S256B S266A S2\" id=\"tu_124\">- </span><span class=\"S256C S266A S2\" id=\"tv_124\">9,850 </span><span class=\"S256D S266A S2\" id=\"tw_124\">63,992 </span><span class=\"S256E S266A S2\" id=\"tx_124\">843 </span><span class=\"S256F S266A S2\" id=\"ty_124\">- </span><span class=\"S2570 S266A S2\" id=\"tz_124\">3,669 </span><span class=\"S2571 S266A S2\" id=\"t10_124\">- </span><span class=\"S2572 S266A S2\" id=\"t11_124\">- </span><span class=\"S2573 S2669 S2\" id=\"t12_124\">78,897 </span><span class=\"S2574 S266A S2\" id=\"t13_124\">Equity instruments </span><span class=\"S2575 S266A S2\" id=\"t14_124\">and fund units </span><span class=\"S2576 S266A S2\" id=\"t15_124\">- </span><span class=\"S2577 S266A S2\" id=\"t16_124\">- </span><span class=\"S2578 S266A S2\" id=\"t17_124\">20 </span><span class=\"S2579 S266A S2\" id=\"t18_124\">42 </span><span class=\"S257A S266A S2\" id=\"t19_124\">47 </span><span class=\"S257B S266A S2\" id=\"t1a_124\">29 </span><span class=\"S257C S266A S2\" id=\"t1b_124\">15 </span><span class=\"S257D S266A S2\" id=\"t1c_124\">24 </span><span class=\"S257E S266A S2\" id=\"t1d_124\">- </span><span class=\"S257F S266A S2\" id=\"t1e_124\">39 </span><span class=\"S2580 S266A S2\" id=\"t1f_124\">2 </span><span class=\"S2581 S266A S2\" id=\"t1g_124\">4 </span><span class=\"S2582 S266A S2\" id=\"t1h_124\">163 </span><span class=\"S2583 S2669 S2\" id=\"t1i_124\">385 </span><span class=\"S2584 S266A S2\" id=\"t1j_124\">Corporate bonds </span><span class=\"S2585 S266A S2\" id=\"t1k_124\">- </span><span class=\"S2586 S266A S2\" id=\"t1l_124\">- </span><span class=\"S2587 S266A S2\" id=\"t1m_124\">- </span><span class=\"S2588 S266A S2\" id=\"t1n_124\">- </span><span class=\"S2589 S266A S2\" id=\"t1o_124\">- </span><span class=\"S258A S266A S2\" id=\"t1p_124\">- </span><span class=\"S258B S266A S2\" id=\"t1q_124\">- </span><span class=\"S258C S266A S2\" id=\"t1r_124\">- </span><span class=\"S258D S266A S2\" id=\"t1s_124\">116 </span><span class=\"S258E S266A S2\" id=\"t1t_124\">- </span><span class=\"S258F S266A S2\" id=\"t1u_124\">- </span><span class=\"S2590 S266A S2\" id=\"t1v_124\">- </span><span class=\"S2591 S266A S2\" id=\"t1w_124\">3 </span><span class=\"S2592 S2669 S2\" id=\"t1x_124\">119 </span><span class=\"S2593 S266A S2\" id=\"t1y_124\">Discounted Treasury bills </span><span class=\"S2594 S266A S2\" id=\"t1z_124\">- </span><span class=\"S2595 S266A S2\" id=\"t20_124\">- </span><span class=\"S2596 S266A S2\" id=\"t21_124\">- </span><span class=\"S2597 S266A S2\" id=\"t22_124\">- </span><span class=\"S2598 S266A S2\" id=\"t23_124\">- </span><span class=\"S2599 S266A S2\" id=\"t24_124\">- </span><span class=\"S259A S266A S2\" id=\"t25_124\">- </span><span class=\"S259B S266A S2\" id=\"t26_124\">22,865 </span><span class=\"S259C S266A S2\" id=\"t27_124\">- </span><span class=\"S259D S266A S2\" id=\"t28_124\">- </span><span class=\"S259E S266A S2\" id=\"t29_124\">- </span><span class=\"S259F S266A S2\" id=\"t2a_124\">- </span><span class=\"S25A0 S266A S2\" id=\"t2b_124\">31 </span><span class=\"S25A1 S2669 S2\" id=\"t2c_124\">22,896 </span><span class=\"S25A2 S266A S2\" id=\"t2d_124\">Mortgage bonds </span><span class=\"S25A3 S266A S2\" id=\"t2e_124\">- </span><span class=\"S25A4 S266A S2\" id=\"t2f_124\">- </span><span class=\"S25A5 S266A S2\" id=\"t2g_124\">- </span><span class=\"S25A6 S266A S2\" id=\"t2h_124\">- </span><span class=\"S25A7 S266A S2\" id=\"t2i_124\">- </span><span class=\"S25A8 S266A S2\" id=\"t2j_124\">- </span><span class=\"S25A9 S266A S2\" id=\"t2k_124\">- </span><span class=\"S25AA S266A S2\" id=\"t2l_124\">- </span><span class=\"S25AB S266A S2\" id=\"t2m_124\">- </span><span class=\"S25AC S266A S2\" id=\"t2n_124\">- </span><span class=\"S25AD S266A S2\" id=\"t2o_124\">- </span><span class=\"S25AE S266A S2\" id=\"t2p_124\">- </span><span class=\"S25AF S266A S2\" id=\"t2q_124\">72 </span><span class=\"S25B0 S2669 S2\" id=\"t2r_124\">72 </span><span class=\"S25B1 S266A S2\" id=\"t2s_124\">Other interest </span><span class=\"S25B2 S266A S2\" id=\"t2t_124\">bearing securities </span><span class=\"S25B3 S266A S2\" id=\"t2u_124\">- </span><span class=\"S25B4 S266A S2\" id=\"t2v_124\">1 </span><span class=\"S25B5 S266A S2\" id=\"t2w_124\">- </span><span class=\"S25B6 S266A S2\" id=\"t2x_124\">- </span><span class=\"S25B7 S266A S2\" id=\"t2y_124\">- </span><span class=\"S25B8 S266A S2\" id=\"t2z_124\">- </span><span class=\"S25B9 S266A S2\" id=\"t30_124\">- </span><span class=\"S25BA S266A S2\" id=\"t31_124\">1,627 </span><span class=\"S25BB S266A S2\" id=\"t32_124\">- </span><span class=\"S25BC S266A S2\" id=\"t33_124\">- </span><span class=\"S25BD S266A S2\" id=\"t34_124\">- </span><span class=\"S25BE S266A S2\" id=\"t35_124\">- </span><span class=\"S25BF S266A S2\" id=\"t36_124\">- </span><span class=\"S25C0 S2669 S2\" id=\"t37_124\">1,628 </span><span class=\"S25C1 S266A S2\" id=\"t38_124\">Other non-interest </span><span class=\"S25C2 S266A S2\" id=\"t39_124\">bearing securities </span><span class=\"S25C3 S266A S2\" id=\"t3a_124\">479 </span><span class=\"S25C4 S266A S2\" id=\"t3b_124\">- </span><span class=\"S25C5 S266A S2\" id=\"t3c_124\">- </span><span class=\"S25C6 S266A S2\" id=\"t3d_124\">- </span><span class=\"S25C7 S266A S2\" id=\"t3e_124\">- </span><span class=\"S25C8 S266A S2\" id=\"t3f_124\">- </span><span class=\"S25C9 S266A S2\" id=\"t3g_124\">- </span><span class=\"S25CA S266A S2\" id=\"t3h_124\">- </span><span class=\"S25CB S266A S2\" id=\"t3i_124\">- </span><span class=\"S25CC S266A S2\" id=\"t3j_124\">- </span><span class=\"S25CD S266A S2\" id=\"t3k_124\">- </span><span class=\"S25CE S266A S2\" id=\"t3l_124\">- </span><span class=\"S25CF S266A S2\" id=\"t3m_124\">274 </span><span class=\"S25D0 S2669 S2\" id=\"t3n_124\">753 </span><span class=\"S25D1 S2669 S2\" id=\"t3o_124\">Total </span><span class=\"S25D2 S2669 S2\" id=\"t3p_124\">825 </span><span class=\"S25D3 S2669 S2\" id=\"t3q_124\">1 </span><span class=\"S25D4 S2669 S2\" id=\"t3r_124\">20 </span><span class=\"S25D5 S2669 S2\" id=\"t3s_124\">42 </span><span class=\"S25D6 S2669 S2\" id=\"t3t_124\">244 </span><span class=\"S25D7 S2669 S2\" id=\"t3u_124\">29 </span><span class=\"S25D8 S2669 S2\" id=\"t3v_124\">9,865 </span><span class=\"S25D9 S2669 S2\" id=\"t3w_124\">88,508 </span><span class=\"S25DA S2669 S2\" id=\"t3x_124\">959 </span><span class=\"S25DB S2669 S2\" id=\"t3y_124\">39 </span><span class=\"S25DC S2669 S2\" id=\"t3z_124\">3,671 </span><span class=\"S25DD S2669 S2\" id=\"t40_124\">4 </span><span class=\"S25DE S2669 S2\" id=\"t41_124\">543 </span><span class=\"S25DF S2669 S2\" id=\"t42_124\">104,750 </span><span class=\"S25E0 S2669 S2\" id=\"t43_124\">2021 </span><span class=\"S25E1 S2669 S2\" id=\"t44_124\">Aaa </span><span class=\"S25E2 S2669 S2\" id=\"t45_124\">Aa3 </span><span class=\"S25E3 S2669 S2\" id=\"t46_124\">A1 </span><span class=\"S25E4 S2669 S2\" id=\"t47_124\">A2 </span><span class=\"S25E5 S2669 S2\" id=\"t48_124\">A3 </span><span class=\"S25E6 S2669 S2\" id=\"t49_124\">Baa1 </span><span class=\"S25E7 S2669 S2\" id=\"t4a_124\">Baa2 </span><span class=\"S25E8 S2669 S2\" id=\"t4b_124\">Baa3 </span><span class=\"S25E9 S2669 S2\" id=\"t4c_124\">Ba1 </span><span class=\"S25EA S2669 S2\" id=\"t4d_124\">Ba2 </span><span class=\"S25EB S2669 S2\" id=\"t4e_124\">B1 </span><span class=\"S25EC S2669 S2\" id=\"t4f_124\">B3 </span><span class=\"S25ED S2669 S2\" id=\"t4g_124\">N/A </span><span class=\"S25EE S2669 S2\" id=\"t4h_124\">Total </span><span class=\"S25EF S266A S2\" id=\"t4i_124\">Government bonds </span><span class=\"S25F0 S266A S2\" id=\"t4j_124\">- </span><span class=\"S25F1 S266A S2\" id=\"t4k_124\">- </span><span class=\"S25F2 S266A S2\" id=\"t4l_124\">- </span><span class=\"S25F3 S266A S2\" id=\"t4m_124\">16 </span><span class=\"S25F4 S266A S2\" id=\"t4n_124\">- </span><span class=\"S25F5 S266A S2\" id=\"t4o_124\">18,747 </span><span class=\"S25F6 S266A S2\" id=\"t4p_124\">26,024 </span><span class=\"S25F7 S266A S2\" id=\"t4q_124\">11,282 </span><span class=\"S25F8 S266A S2\" id=\"t4r_124\">10,156 </span><span class=\"S25F9 S266A S2\" id=\"t4s_124\">31,306 </span><span class=\"S25FA S266A S2\" id=\"t4t_124\">- </span><span class=\"S25FB S266A S2\" id=\"t4u_124\">- </span><span class=\"S25FC S266A S2\" id=\"t4v_124\">- </span><span class=\"S25FD S2669 S2\" id=\"t4w_124\">97,531 </span><span class=\"S25FE S266A S2\" id=\"t4x_124\">Equity instruments </span><span class=\"S25FF S266A S2\" id=\"t4y_124\">and fund units </span><span class=\"S2600 S266A S2\" id=\"t4z_124\">569 </span><span class=\"S2601 S266A S2\" id=\"t50_124\">19 </span><span class=\"S2602 S266A S2\" id=\"t51_124\">49 </span><span class=\"S2603 S266A S2\" id=\"t52_124\">59 </span><span class=\"S2604 S266A S2\" id=\"t53_124\">35 </span><span class=\"S2605 S266A S2\" id=\"t54_124\">12 </span><span class=\"S2606 S266A S2\" id=\"t55_124\">24 </span><span class=\"S2607 S266A S2\" id=\"t56_124\">83 </span><span class=\"S2608 S266A S2\" id=\"t57_124\">- </span><span class=\"S2609 S266A S2\" id=\"t58_124\">2 </span><span class=\"S260A S266A S2\" id=\"t59_124\">6 </span><span class=\"S260B S266A S2\" id=\"t5a_124\">- </span><span class=\"S260C S266A S2\" id=\"t5b_124\">315 </span><span class=\"S260D S2669 S2\" id=\"t5c_124\">1,173 </span><span class=\"S260E S266A S2\" id=\"t5d_124\">Corporate bonds </span><span class=\"S260F S266A S2\" id=\"t5e_124\">- </span><span class=\"S2610 S266A S2\" id=\"t5f_124\">- </span><span class=\"S2611 S266A S2\" id=\"t5g_124\">- </span><span class=\"S2612 S266A S2\" id=\"t5h_124\">- </span><span class=\"S2613 S266A S2\" id=\"t5i_124\">485 </span><span class=\"S2614 S266A S2\" id=\"t5j_124\">- </span><span class=\"S2615 S266A S2\" id=\"t5k_124\">- </span><span class=\"S2616 S266A S2\" id=\"t5l_124\">97 </span><span class=\"S2617 S266A S2\" id=\"t5m_124\">- </span><span class=\"S2618 S266A S2\" id=\"t5n_124\">- </span><span class=\"S2619 S266A S2\" id=\"t5o_124\">- </span><span class=\"S261A S266A S2\" id=\"t5p_124\">- </span><span class=\"S261B S266A S2\" id=\"t5q_124\">158 </span><span class=\"S261C S2669 S2\" id=\"t5r_124\">740 </span><span class=\"S261D S266A S2\" id=\"t5s_124\">Discounted Treasury bills </span><span class=\"S261E S266A S2\" id=\"t5t_124\">- </span><span class=\"S261F S266A S2\" id=\"t5u_124\">- </span><span class=\"S2620 S266A S2\" id=\"t5v_124\">- </span><span class=\"S2621 S266A S2\" id=\"t5w_124\">- </span><span class=\"S2622 S266A S2\" id=\"t5x_124\">- </span><span class=\"S2623 S266A S2\" id=\"t5y_124\">- </span><span class=\"S2624 S266A S2\" id=\"t5z_124\">869 </span><span class=\"S2625 S266A S2\" id=\"t60_124\">- </span><span class=\"S2626 S266A S2\" id=\"t61_124\">- </span><span class=\"S2627 S266A S2\" id=\"t62_124\">- </span><span class=\"S2628 S266A S2\" id=\"t63_124\">- </span><span class=\"S2629 S266A S2\" id=\"t64_124\">54 </span><span class=\"S262A S266A S2\" id=\"t65_124\">- </span><span class=\"S262B S2669 S2\" id=\"t66_124\">923 </span><span class=\"S262C S266A S2\" id=\"t67_124\">Mortgage bonds </span><span class=\"S262D S266A S2\" id=\"t68_124\">- </span><span class=\"S262E S266A S2\" id=\"t69_124\">- </span><span class=\"S262F S266A S2\" id=\"t6a_124\">- </span><span class=\"S2630 S266A S2\" id=\"t6b_124\">- </span><span class=\"S2631 S266A S2\" id=\"t6c_124\">- </span><span class=\"S2632 S266A S2\" id=\"t6d_124\">- </span><span class=\"S2633 S266A S2\" id=\"t6e_124\">- </span><span class=\"S2634 S266A S2\" id=\"t6f_124\">- </span><span class=\"S2635 S266A S2\" id=\"t6g_124\">- </span><span class=\"S2636 S266A S2\" id=\"t6h_124\">- </span><span class=\"S2637 S266A S2\" id=\"t6i_124\">- </span><span class=\"S2638 S266A S2\" id=\"t6j_124\">101 </span><span class=\"S2639 S2669 S2\" id=\"t6k_124\">101 </span><span class=\"S263A S266A S2\" id=\"t6l_124\">Other interest </span><span class=\"S263B S266A S2\" id=\"t6m_124\">bearing securities </span><span class=\"S263C S266A S2\" id=\"t6n_124\">- </span><span class=\"S263D S266A S2\" id=\"t6o_124\">- </span><span class=\"S263E S266A S2\" id=\"t6p_124\">- </span><span class=\"S263F S266A S2\" id=\"t6q_124\">- </span><span class=\"S2640 S266A S2\" id=\"t6r_124\">- </span><span class=\"S2641 S266A S2\" id=\"t6s_124\">- </span><span class=\"S2642 S266A S2\" id=\"t6t_124\">1,347 </span><span class=\"S2643 S266A S2\" id=\"t6u_124\">- </span><span class=\"S2644 S266A S2\" id=\"t6v_124\">- </span><span class=\"S2645 S266A S2\" id=\"t6w_124\">- </span><span class=\"S2646 S266A S2\" id=\"t6x_124\">- </span><span class=\"S2647 S266A S2\" id=\"t6y_124\">- </span><span class=\"S2648 S266A S2\" id=\"t6z_124\">- </span><span class=\"S2649 S2669 S2\" id=\"t70_124\">1,347 </span><span class=\"S264A S266A S2\" id=\"t71_124\">Other non-interest </span><span class=\"S264B S266A S2\" id=\"t72_124\">bearing securities </span><span class=\"S264C S266A S2\" id=\"t73_124\">561 </span><span class=\"S264D S266A S2\" id=\"t74_124\">- </span><span class=\"S264E S266A S2\" id=\"t75_124\">- </span><span class=\"S264F S266A S2\" id=\"t76_124\">- </span><span class=\"S2650 S266A S2\" id=\"t77_124\">- </span><span class=\"S2651 S266A S2\" id=\"t78_124\">- </span><span class=\"S2652 S266A S2\" id=\"t79_124\">- </span><span class=\"S2653 S266A S2\" id=\"t7a_124\">- </span><span class=\"S2654 S266A S2\" id=\"t7b_124\">- </span><span class=\"S2655 S266A S2\" id=\"t7c_124\">- </span><span class=\"S2656 S266A S2\" id=\"t7d_124\">- </span><span class=\"S2657 S266A S2\" id=\"t7e_124\">- </span><span class=\"S2658 S266A S2\" id=\"t7f_124\">1,134 </span><span class=\"S2659 S2669 S2\" id=\"t7g_124\">1,695 </span><span class=\"S265A S2669 S2\" id=\"t7h_124\">Total </span><span class=\"S265B S2669 S2\" id=\"t7i_124\">1,130 </span><span class=\"S265C S2669 S2\" id=\"t7j_124\">19 </span><span class=\"S265D S2669 S2\" id=\"t7k_124\">49 </span><span class=\"S265E S2669 S2\" id=\"t7l_124\">75 </span><span class=\"S265F S2669 S2\" id=\"t7m_124\">520 </span><span class=\"S2660 S2669 S2\" id=\"t7n_124\">18,759 </span><span class=\"S2661 S2669 S2\" id=\"t7o_124\">28,264 </span><span class=\"S2662 S2669 S2\" id=\"t7p_124\">11,462 </span><span class=\"S2663 S2669 S2\" id=\"t7q_124\">10,156 </span><span class=\"S2664 S2669 S2\" id=\"t7r_124\">31,308 </span><span class=\"S2665 S2669 S2\" id=\"t7s_124\">6 </span><span class=\"S2666 S2669 S2\" id=\"t7t_124\">54 </span><span class=\"S2667 S2669 S2\" id=\"t7u_124\">1,708 </span><span class=\"S2668 S2669 S2\" id=\"t7v_124\">103,510 </span><span class=\"S1E99 SB S2\" id=\"t5_125\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_125\">37.1.8. </span><span class=\"S266B S603 S2\" id=\"t7_125\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S266C SB S2\" id=\"t8_125\">Non-trading securities mandatorily at fair value through profit or loss </span><span class=\"S266D SB S2\" id=\"t9_125\">2022 </span><span class=\"S266E SB S2\" id=\"ta_125\">Aaa </span><span class=\"S266F SB S2\" id=\"tb_125\">Aa3 </span><span class=\"S2670 SB S2\" id=\"tc_125\">A3 </span><span class=\"S2671 SB S2\" id=\"td_125\">Baa2 </span><span class=\"S2672 SB S2\" id=\"te_125\">Baa3 </span><span class=\"S2673 SB S2\" id=\"tf_125\">N/A </span><span class=\"S2674 SB S2\" id=\"tg_125\">Total </span><span class=\"S2675 SA7 S2\" id=\"th_125\">Non-trading equity instruments mandatorily at </span><span class=\"S2676 SA7 S2\" id=\"ti_125\">fair value through profit or loss </span><span class=\"S2677 SA7 S2\" id=\"tj_125\">- </span><span class=\"S2678 SA7 S2\" id=\"tk_125\">- </span><span class=\"S2679 SA7 S2\" id=\"tl_125\">- </span><span class=\"S267A SA7 S2\" id=\"tm_125\">8,152 </span><span class=\"S267B SA7 S2\" id=\"tn_125\">- </span><span class=\"S267C SA7 S2\" id=\"to_125\">41,594 </span><span class=\"S267D SB S2\" id=\"tp_125\">49,746 </span><span class=\"S267E SA7 S2\" id=\"tq_125\">Non-trading debt instruments mandatorily at </span><span class=\"S267F SA7 S2\" id=\"tr_125\">fair value through profit or loss </span><span class=\"S2680 SA7 S2\" id=\"ts_125\">949 </span><span class=\"S2681 SA7 S2\" id=\"tt_125\">797 </span><span class=\"S2682 SA7 S2\" id=\"tu_125\">6 </span><span class=\"S2683 SA7 S2\" id=\"tv_125\">1,182 </span><span class=\"S2684 SA7 S2\" id=\"tw_125\">1,006 </span><span class=\"S2685 SA7 S2\" id=\"tx_125\">1,469 </span><span class=\"S2686 SB S2\" id=\"ty_125\">5,409 </span><span class=\"S2687 SB S2\" id=\"tz_125\">Total </span><span class=\"S2688 SB S2\" id=\"t10_125\">949 </span><span class=\"S2689 SB S2\" id=\"t11_125\">797 </span><span class=\"S268A SB S2\" id=\"t12_125\">6 </span><span class=\"S268B SB S2\" id=\"t13_125\">9,334 </span><span class=\"S268C SB S2\" id=\"t14_125\">1,006 </span><span class=\"S268D SB S2\" id=\"t15_125\">43,063 </span><span class=\"S268E SB S2\" id=\"t16_125\">55,155 </span><span class=\"S268F SB S2\" id=\"t17_125\">2021 </span><span class=\"S2690 SB S2\" id=\"t18_125\">Aa3 </span><span class=\"S2691 SB S2\" id=\"t19_125\">Baa3 </span><span class=\"S2692 SB S2\" id=\"t1a_125\">Ba1 </span><span class=\"S2693 SB S2\" id=\"t1b_125\">N/A </span><span class=\"S2694 SB S2\" id=\"t1c_125\">Total </span><span class=\"S2695 SA7 S2\" id=\"t1d_125\">Non-trading equity instruments mandatorily at </span><span class=\"S2696 SA7 S2\" id=\"t1e_125\">fair value through profit or loss </span><span class=\"S2697 SA7 S2\" id=\"t1f_125\">- </span><span class=\"S2698 SA7 S2\" id=\"t1g_125\">- </span><span class=\"S2699 SA7 S2\" id=\"t1h_125\">7,811 </span><span class=\"S269A SA7 S2\" id=\"t1i_125\">37,083 </span><span class=\"S269B SB S2\" id=\"t1j_125\">44,894 </span><span class=\"S1CA5 SA7 S2\" id=\"t1k_125\">Non-trading debt instruments mandatorily at </span><span class=\"S269C SA7 S2\" id=\"t1l_125\">fair value through profit or loss </span><span class=\"S269D SA7 S2\" id=\"t1m_125\">3,498 </span><span class=\"S269E SA7 S2\" id=\"t1n_125\">1,043 </span><span class=\"S269F SA7 S2\" id=\"t1o_125\">56 </span><span class=\"S26A0 SA7 S2\" id=\"t1p_125\">3,912 </span><span class=\"S26A1 SB S2\" id=\"t1q_125\">8,509 </span><span class=\"S26A2 SB S2\" id=\"t1r_125\">Total </span><span class=\"S26A3 SB S2\" id=\"t1s_125\">3,498 </span><span class=\"S26A4 SB S2\" id=\"t1t_125\">1,043 </span><span class=\"S26A5 SB S2\" id=\"t1u_125\">7,867 </span><span class=\"S26A6 SB S2\" id=\"t1v_125\">40,995 </span><span class=\"S26A7 SB S2\" id=\"t1w_125\">53,403 </span><span class=\"S1E99 SB S2\" id=\"t5_126\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_126\">37.1.8. </span><span class=\"S266B S603 S2\" id=\"t7_126\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S1E9B SB S2\" id=\"t8_126\">Securities at fair value through other comprehensive income </span><span class=\"S26A8 S2669 S2\" id=\"t9_126\">2022 </span><span class=\"S26A9 S2669 S2\" id=\"ta_126\">Aaa </span><span class=\"S26AA S2669 S2\" id=\"tb_126\">Aa2 </span><span class=\"S26AB S2669 S2\" id=\"tc_126\">Aa3 </span><span class=\"S26AC S2669 S2\" id=\"td_126\">A1 </span><span class=\"S26AD S2669 S2\" id=\"te_126\">A2 </span><span class=\"S26AE S2669 S2\" id=\"tf_126\">A3 </span><span class=\"S26AF S2669 S2\" id=\"tg_126\">Baa1 </span><span class=\"S26B0 S2669 S2\" id=\"th_126\">Baa2 </span><span class=\"S26B1 S2669 S2\" id=\"ti_126\">Baa3 </span><span class=\"S26B2 S2669 S2\" id=\"tj_126\">Ba1 </span><span class=\"S26B3 S2669 S2\" id=\"tk_126\">Ba2 </span><span class=\"S26B4 S2669 S2\" id=\"tl_126\">B1 </span><span class=\"S26B5 S2669 S2\" id=\"tm_126\">Caa1 </span><span class=\"S26B6 S2669 S2\" id=\"tn_126\">Caa3 </span><span class=\"S26B7 S2669 S2\" id=\"to_126\">Not </span><span class=\"S26B8 S2669 S2\" id=\"tp_126\">rated </span><span class=\"S26B9 S2669 S2\" id=\"tq_126\">N/A </span><span class=\"S26BA S2669 S2\" id=\"tr_126\">Total </span><span class=\"S2565 S266A S2\" id=\"ts_126\">Government bonds </span><span class=\"S26BB S266A S2\" id=\"tt_126\">19,775 </span><span class=\"S26BC S266A S2\" id=\"tu_126\">6,773 </span><span class=\"S26BD S266A S2\" id=\"tv_126\">- </span><span class=\"S26BE S266A S2\" id=\"tw_126\">17,544 </span><span class=\"S26BF S266A S2\" id=\"tx_126\">24,234 </span><span class=\"S26C0 S266A S2\" id=\"ty_126\">80,968 </span><span class=\"S26C1 S266A S2\" id=\"tz_126\">138,811 </span><span class=\"S26C2 S266A S2\" id=\"t10_126\">534,476 </span><span class=\"S26C3 S266A S2\" id=\"t11_126\">120,053 </span><span class=\"S26C4 S266A S2\" id=\"t12_126\">10,198 </span><span class=\"S26C5 S266A S2\" id=\"t13_126\">157,469 </span><span class=\"S26C6 S266A S2\" id=\"t14_126\">105,049 </span><span class=\"S26C7 S266A S2\" id=\"t15_126\">145 </span><span class=\"S26C8 S266A S2\" id=\"t16_126\">26,597 </span><span class=\"S26C9 S266A S2\" id=\"t17_126\">31,672 </span><span class=\"S26CA S266A S2\" id=\"t18_126\">27,415 </span><span class=\"S26CB S2669 S2\" id=\"t19_126\">1,301,179 </span><span class=\"S26CC S266A S2\" id=\"t1a_126\">Corporate bonds </span><span class=\"S26CD S266A S2\" id=\"t1b_126\">- </span><span class=\"S26CE S266A S2\" id=\"t1c_126\">- </span><span class=\"S26CF S266A S2\" id=\"t1d_126\">- </span><span class=\"S26D0 S266A S2\" id=\"t1e_126\">- </span><span class=\"S26D1 S266A S2\" id=\"t1f_126\">1,691 </span><span class=\"S26D2 S266A S2\" id=\"t1g_126\">- </span><span class=\"S26D3 S266A S2\" id=\"t1h_126\">- </span><span class=\"S26D4 S266A S2\" id=\"t1i_126\">39,309 </span><span class=\"S26D5 S266A S2\" id=\"t1j_126\">3,820 </span><span class=\"S26D6 S266A S2\" id=\"t1k_126\">13,721 </span><span class=\"S26D7 S266A S2\" id=\"t1l_126\">9,262 </span><span class=\"S26D8 S266A S2\" id=\"t1m_126\">- </span><span class=\"S26D9 S266A S2\" id=\"t1n_126\">- </span><span class=\"S26DA S266A S2\" id=\"t1o_126\">14,848 </span><span class=\"S26DB S266A S2\" id=\"t1p_126\">- </span><span class=\"S26DC S2669 S2\" id=\"t1q_126\">82,651 </span><span class=\"S26DD S266A S2\" id=\"t1r_126\">Mortgage bonds </span><span class=\"S26DE S266A S2\" id=\"t1s_126\">- </span><span class=\"S26DF S266A S2\" id=\"t1t_126\">- </span><span class=\"S26E0 S266A S2\" id=\"t1u_126\">- </span><span class=\"S26E1 S266A S2\" id=\"t1v_126\">42,407 </span><span class=\"S26E2 S266A S2\" id=\"t1w_126\">- </span><span class=\"S26E3 S266A S2\" id=\"t1x_126\">- </span><span class=\"S26E4 S266A S2\" id=\"t1y_126\">- </span><span class=\"S26E5 S266A S2\" id=\"t1z_126\">- </span><span class=\"S26E6 S266A S2\" id=\"t20_126\">- </span><span class=\"S26E7 S266A S2\" id=\"t21_126\">- </span><span class=\"S26E8 S266A S2\" id=\"t22_126\">- </span><span class=\"S26E9 S266A S2\" id=\"t23_126\">- </span><span class=\"S26EA S266A S2\" id=\"t24_126\">- </span><span class=\"S26EB S266A S2\" id=\"t25_126\">- </span><span class=\"S26EC S266A S2\" id=\"t26_126\">12,146 </span><span class=\"S26ED S266A S2\" id=\"t27_126\">- </span><span class=\"S26EE S2669 S2\" id=\"t28_126\">54,553 </span><span class=\"S26EF S266A S2\" id=\"t29_126\">National Bank of </span><span class=\"S26F0 S266A S2\" id=\"t2a_126\">Hungary bonds </span><span class=\"S26F1 S266A S2\" id=\"t2b_126\">- </span><span class=\"S26F2 S266A S2\" id=\"t2c_126\">- </span><span class=\"S26F3 S266A S2\" id=\"t2d_126\">- </span><span class=\"S26F4 S266A S2\" id=\"t2e_126\">- </span><span class=\"S26F5 S266A S2\" id=\"t2f_126\">- </span><span class=\"S26F6 S266A S2\" id=\"t2g_126\">- </span><span class=\"S26F7 S266A S2\" id=\"t2h_126\">- </span><span class=\"S26F8 S266A S2\" id=\"t2i_126\">74,867 </span><span class=\"S259A S266A S2\" id=\"t2j_126\">- </span><span class=\"S26F9 S266A S2\" id=\"t2k_126\">- </span><span class=\"S26FA S266A S2\" id=\"t2l_126\">- </span><span class=\"S26FB S266A S2\" id=\"t2m_126\">- </span><span class=\"S26FC S266A S2\" id=\"t2n_126\">- </span><span class=\"S26FD S266A S2\" id=\"t2o_126\">- </span><span class=\"S26FE S266A S2\" id=\"t2p_126\">- </span><span class=\"S26FF S2669 S2\" id=\"t2q_126\">74,867 </span><span class=\"S2700 S266A S2\" id=\"t2r_126\">Interest bearing </span><span class=\"S2701 S266A S2\" id=\"t2s_126\">treasury bills </span><span class=\"S2702 S266A S2\" id=\"t2t_126\">- </span><span class=\"S2703 S266A S2\" id=\"t2u_126\">- </span><span class=\"S2704 S266A S2\" id=\"t2v_126\">- </span><span class=\"S2705 S266A S2\" id=\"t2w_126\">- </span><span class=\"S2706 S266A S2\" id=\"t2x_126\">- </span><span class=\"S2707 S266A S2\" id=\"t2y_126\">- </span><span class=\"S2708 S266A S2\" id=\"t2z_126\">- </span><span class=\"S2709 S266A S2\" id=\"t30_126\">182,726 </span><span class=\"S270A S266A S2\" id=\"t31_126\">- </span><span class=\"S270B S266A S2\" id=\"t32_126\">- </span><span class=\"S270C S266A S2\" id=\"t33_126\">- </span><span class=\"S270D S266A S2\" id=\"t34_126\">- </span><span class=\"S270E S266A S2\" id=\"t35_126\">- </span><span class=\"S270F S266A S2\" id=\"t36_126\">- </span><span class=\"S2710 S266A S2\" id=\"t37_126\">- </span><span class=\"S2711 S266A S2\" id=\"t38_126\">- </span><span class=\"S2712 S2669 S2\" id=\"t39_126\">182,726 </span><span class=\"S2713 S266A S2\" id=\"t3a_126\">Other securities </span><span class=\"S2714 S266A S2\" id=\"t3b_126\">- </span><span class=\"S2715 S266A S2\" id=\"t3c_126\">- </span><span class=\"S2716 S266A S2\" id=\"t3d_126\">- </span><span class=\"S2717 S266A S2\" id=\"t3e_126\">- </span><span class=\"S2718 S266A S2\" id=\"t3f_126\">- </span><span class=\"S2719 S266A S2\" id=\"t3g_126\">- </span><span class=\"S271A S266A S2\" id=\"t3h_126\">- </span><span class=\"S271B S266A S2\" id=\"t3i_126\">- </span><span class=\"S25B9 S266A S2\" id=\"t3j_126\">- </span><span class=\"S271C S266A S2\" id=\"t3k_126\">- </span><span class=\"S271D S266A S2\" id=\"t3l_126\">- </span><span class=\"S271E S266A S2\" id=\"t3m_126\">- </span><span class=\"S271F S266A S2\" id=\"t3n_126\">- </span><span class=\"S2720 S266A S2\" id=\"t3o_126\">- </span><span class=\"S2721 S266A S2\" id=\"t3p_126\">3,470 </span><span class=\"S2722 S266A S2\" id=\"t3q_126\">- </span><span class=\"S2723 S2669 S2\" id=\"t3r_126\">3,470 </span><span class=\"S2724 S266A S2\" id=\"t3s_126\">Non-trading </span><span class=\"S2725 S266A S2\" id=\"t3t_126\">equity instruments </span><span class=\"S2726 S266A S2\" id=\"t3u_126\">5,767 </span><span class=\"S2727 S266A S2\" id=\"t3v_126\">- </span><span class=\"S2728 S266A S2\" id=\"t3w_126\">3,036 </span><span class=\"S2729 S266A S2\" id=\"t3x_126\">388 </span><span class=\"S272A S266A S2\" id=\"t3y_126\">- </span><span class=\"S272B S266A S2\" id=\"t3z_126\">- </span><span class=\"S272C S266A S2\" id=\"t40_126\">- </span><span class=\"S272D S266A S2\" id=\"t41_126\">323 </span><span class=\"S272E S266A S2\" id=\"t42_126\">30 </span><span class=\"S272F S266A S2\" id=\"t43_126\">- </span><span class=\"S2730 S266A S2\" id=\"t44_126\">- </span><span class=\"S2731 S266A S2\" id=\"t45_126\">- </span><span class=\"S2732 S266A S2\" id=\"t46_126\">- </span><span class=\"S2733 S266A S2\" id=\"t47_126\">- </span><span class=\"S2734 S266A S2\" id=\"t48_126\">30,613 </span><span class=\"S2735 S266A S2\" id=\"t49_126\">- </span><span class=\"S2736 S2669 S2\" id=\"t4a_126\">40,157 </span><span class=\"S25D1 S2669 S2\" id=\"t4b_126\">Total </span><span class=\"S2737 S2669 S2\" id=\"t4c_126\">25,542 </span><span class=\"S2738 S2669 S2\" id=\"t4d_126\">6,773 </span><span class=\"S2739 S2669 S2\" id=\"t4e_126\">3,036 </span><span class=\"S273A S2669 S2\" id=\"t4f_126\">60,339 </span><span class=\"S273B S2669 S2\" id=\"t4g_126\">24,234 </span><span class=\"S273C S2669 S2\" id=\"t4h_126\">82,659 </span><span class=\"S273D S2669 S2\" id=\"t4i_126\">138,811 </span><span class=\"S273E S2669 S2\" id=\"t4j_126\">792,392 </span><span class=\"S273F S2669 S2\" id=\"t4k_126\">159,392 </span><span class=\"S2740 S2669 S2\" id=\"t4l_126\">14,018 </span><span class=\"S2741 S2669 S2\" id=\"t4m_126\">171,190 </span><span class=\"S2742 S2669 S2\" id=\"t4n_126\">114,311 </span><span class=\"S2743 S2669 S2\" id=\"t4o_126\">145 </span><span class=\"S2744 S2669 S2\" id=\"t4p_126\">26,597 </span><span class=\"S2745 S2669 S2\" id=\"t4q_126\">92,749 </span><span class=\"S2746 S2669 S2\" id=\"t4r_126\">27,415 </span><span class=\"S2747 S2669 S2\" id=\"t4s_126\">1,739,603 </span><span class=\"S2748 S2669 S2\" id=\"t4t_126\">2021 </span><span class=\"S2749 S2669 S2\" id=\"t4u_126\">Aaa </span><span class=\"S274A S2669 S2\" id=\"t4v_126\">Aa2 </span><span class=\"S274B S2669 S2\" id=\"t4w_126\">Aa3 </span><span class=\"S274C S2669 S2\" id=\"t4x_126\">A1 </span><span class=\"S274D S2669 S2\" id=\"t4y_126\">A2 </span><span class=\"S274E S2669 S2\" id=\"t4z_126\">A3 </span><span class=\"S274F S2669 S2\" id=\"t50_126\">Baa1 </span><span class=\"S2750 S2669 S2\" id=\"t51_126\">Baa2 </span><span class=\"S2751 S2669 S2\" id=\"t52_126\">Baa3 </span><span class=\"S2752 S2669 S2\" id=\"t53_126\">Ba1 </span><span class=\"S2753 S2669 S2\" id=\"t54_126\">Ba2 </span><span class=\"S2754 S2669 S2\" id=\"t55_126\">Ba3 </span><span class=\"S2755 S2669 S2\" id=\"t56_126\">B1 </span><span class=\"S2756 S2669 S2\" id=\"t57_126\">B3 </span><span class=\"S2757 S2669 S2\" id=\"t58_126\">Caa1 </span><span class=\"S2758 S2669 S2\" id=\"t59_126\">N/A </span><span class=\"S2759 S2669 S2\" id=\"t5a_126\">Total </span><span class=\"S25EF S266A S2\" id=\"t5b_126\">Government bonds </span><span class=\"S275A S266A S2\" id=\"t5c_126\">21,728 </span><span class=\"S275B S266A S2\" id=\"t5d_126\">7,849 </span><span class=\"S275C S266A S2\" id=\"t5e_126\">- </span><span class=\"S275D S266A S2\" id=\"t5f_126\">17,808 </span><span class=\"S275E S266A S2\" id=\"t5g_126\">28,492 </span><span class=\"S275F S266A S2\" id=\"t5h_126\">99,425 </span><span class=\"S2760 S266A S2\" id=\"t5i_126\">203,172 </span><span class=\"S2761 S266A S2\" id=\"t5j_126\">495,231 </span><span class=\"S2762 S266A S2\" id=\"t5k_126\">372,198 </span><span class=\"S2763 S266A S2\" id=\"t5l_126\">188,395 </span><span class=\"S2764 S266A S2\" id=\"t5m_126\">162,477 </span><span class=\"S2765 S266A S2\" id=\"t5n_126\">- </span><span class=\"S2766 S266A S2\" id=\"t5o_126\">76,732 </span><span class=\"S2767 S266A S2\" id=\"t5p_126\">91,487 </span><span class=\"S2768 S266A S2\" id=\"t5q_126\">178 </span><span class=\"S2769 S266A S2\" id=\"t5r_126\">- </span><span class=\"S276A S2669 S2\" id=\"t5s_126\">1,765,172 </span><span class=\"S276B S266A S2\" id=\"t5t_126\">Corporate bonds </span><span class=\"S276C S266A S2\" id=\"t5u_126\">- </span><span class=\"S276D S266A S2\" id=\"t5v_126\">- </span><span class=\"S276E S266A S2\" id=\"t5w_126\">- </span><span class=\"S276F S266A S2\" id=\"t5x_126\">- </span><span class=\"S2770 S266A S2\" id=\"t5y_126\">- </span><span class=\"S2771 S266A S2\" id=\"t5z_126\">2,896 </span><span class=\"S2772 S266A S2\" id=\"t60_126\">- </span><span class=\"S2773 S266A S2\" id=\"t61_126\">6,152 </span><span class=\"S2774 S266A S2\" id=\"t62_126\">44,606 </span><span class=\"S2775 S266A S2\" id=\"t63_126\">4,144 </span><span class=\"S2776 S266A S2\" id=\"t64_126\">12,630 </span><span class=\"S2777 S266A S2\" id=\"t65_126\">- </span><span class=\"S2778 S266A S2\" id=\"t66_126\">- </span><span class=\"S2779 S266A S2\" id=\"t67_126\">- </span><span class=\"S277A S266A S2\" id=\"t68_126\">- </span><span class=\"S277B S266A S2\" id=\"t69_126\">18,091 </span><span class=\"S277C S2669 S2\" id=\"t6a_126\">88,519 </span><span class=\"S277D S266A S2\" id=\"t6b_126\">Mortgage bonds </span><span class=\"S277E S266A S2\" id=\"t6c_126\">- </span><span class=\"S277F S266A S2\" id=\"t6d_126\">- </span><span class=\"S2780 S266A S2\" id=\"t6e_126\">- </span><span class=\"S2781 S266A S2\" id=\"t6f_126\">47,568 </span><span class=\"S2782 S266A S2\" id=\"t6g_126\">- </span><span class=\"S2783 S266A S2\" id=\"t6h_126\">- </span><span class=\"S2784 S266A S2\" id=\"t6i_126\">- </span><span class=\"S2785 S266A S2\" id=\"t6j_126\">- </span><span class=\"S2786 S266A S2\" id=\"t6k_126\">- </span><span class=\"S2787 S266A S2\" id=\"t6l_126\">- </span><span class=\"S2788 S266A S2\" id=\"t6m_126\">- </span><span class=\"S2789 S266A S2\" id=\"t6n_126\">- </span><span class=\"S278A S266A S2\" id=\"t6o_126\">- </span><span class=\"S278B S266A S2\" id=\"t6p_126\">- </span><span class=\"S278C S266A S2\" id=\"t6q_126\">- </span><span class=\"S278D S266A S2\" id=\"t6r_126\">15,504 </span><span class=\"S278E S2669 S2\" id=\"t6s_126\">63,072 </span><span class=\"S278F S266A S2\" id=\"t6t_126\">Discounted </span><span class=\"S2790 S266A S2\" id=\"t6u_126\">treasury bills </span><span class=\"S2791 S266A S2\" id=\"t6v_126\">- </span><span class=\"S2792 S266A S2\" id=\"t6w_126\">- </span><span class=\"S2793 S266A S2\" id=\"t6x_126\">- </span><span class=\"S2794 S266A S2\" id=\"t6y_126\">- </span><span class=\"S2621 S266A S2\" id=\"t6z_126\">- </span><span class=\"S2622 S266A S2\" id=\"t70_126\">- </span><span class=\"S2795 S266A S2\" id=\"t71_126\">- </span><span class=\"S2796 S266A S2\" id=\"t72_126\">44,924 </span><span class=\"S2797 S266A S2\" id=\"t73_126\">- </span><span class=\"S2798 S266A S2\" id=\"t74_126\">51,701 </span><span class=\"S2799 S266A S2\" id=\"t75_126\">- </span><span class=\"S279A S266A S2\" id=\"t76_126\">- </span><span class=\"S279B S266A S2\" id=\"t77_126\">- </span><span class=\"S279C S266A S2\" id=\"t78_126\">- </span><span class=\"S279D S266A S2\" id=\"t79_126\">- </span><span class=\"S279E S266A S2\" id=\"t7a_126\">- </span><span class=\"S279F S2669 S2\" id=\"t7b_126\">96,625 </span><span class=\"S27A0 S266A S2\" id=\"t7c_126\">National Bank of </span><span class=\"S27A1 S266A S2\" id=\"t7d_126\">Hungary bonds </span><span class=\"S27A2 S266A S2\" id=\"t7e_126\">- </span><span class=\"S27A3 S266A S2\" id=\"t7f_126\">- </span><span class=\"S27A4 S266A S2\" id=\"t7g_126\">- </span><span class=\"S27A5 S266A S2\" id=\"t7h_126\">- </span><span class=\"S27A6 S266A S2\" id=\"t7i_126\">- </span><span class=\"S27A7 S266A S2\" id=\"t7j_126\">- </span><span class=\"S27A8 S266A S2\" id=\"t7k_126\">- </span><span class=\"S27A9 S266A S2\" id=\"t7l_126\">- </span><span class=\"S27AA S266A S2\" id=\"t7m_126\">- </span><span class=\"S27AB S266A S2\" id=\"t7n_126\">- </span><span class=\"S27AC S266A S2\" id=\"t7o_126\">- </span><span class=\"S27AD S266A S2\" id=\"t7p_126\">109,774 </span><span class=\"S27AE S266A S2\" id=\"t7q_126\">- </span><span class=\"S27AF S266A S2\" id=\"t7r_126\">- </span><span class=\"S27B0 S266A S2\" id=\"t7s_126\">- </span><span class=\"S27B1 S266A S2\" id=\"t7t_126\">- </span><span class=\"S27B2 S2669 S2\" id=\"t7u_126\">109,774 </span><span class=\"S27B3 S266A S2\" id=\"t7v_126\">Interest bearing </span><span class=\"S27B4 S266A S2\" id=\"t7w_126\">treasury bills </span><span class=\"S27B5 S266A S2\" id=\"t7x_126\">- </span><span class=\"S27B6 S266A S2\" id=\"t7y_126\">- </span><span class=\"S27B7 S266A S2\" id=\"t7z_126\">- </span><span class=\"S27B8 S266A S2\" id=\"t80_126\">- </span><span class=\"S27B9 S266A S2\" id=\"t81_126\">- </span><span class=\"S27BA S266A S2\" id=\"t82_126\">- </span><span class=\"S27BB S266A S2\" id=\"t83_126\">- </span><span class=\"S27BC S266A S2\" id=\"t84_126\">63,115 </span><span class=\"S27BD S266A S2\" id=\"t85_126\">- </span><span class=\"S27BE S266A S2\" id=\"t86_126\">- </span><span class=\"S27BF S266A S2\" id=\"t87_126\">- </span><span class=\"S27C0 S266A S2\" id=\"t88_126\">- </span><span class=\"S27C1 S266A S2\" id=\"t89_126\">- </span><span class=\"S27C2 S266A S2\" id=\"t8a_126\">- </span><span class=\"S27C3 S266A S2\" id=\"t8b_126\">- </span><span class=\"S27C4 S266A S2\" id=\"t8c_126\">- </span><span class=\"S27C5 S2669 S2\" id=\"t8d_126\">63,115 </span><span class=\"S27C6 S266A S2\" id=\"t8e_126\">Other securities </span><span class=\"S27C7 S266A S2\" id=\"t8f_126\">- </span><span class=\"S27C8 S266A S2\" id=\"t8g_126\">- </span><span class=\"S27C9 S266A S2\" id=\"t8h_126\">- </span><span class=\"S27CA S266A S2\" id=\"t8i_126\">- </span><span class=\"S264F S266A S2\" id=\"t8j_126\">- </span><span class=\"S2650 S266A S2\" id=\"t8k_126\">- </span><span class=\"S27CB S266A S2\" id=\"t8l_126\">- </span><span class=\"S27CC S266A S2\" id=\"t8m_126\">- </span><span class=\"S27CD S266A S2\" id=\"t8n_126\">- </span><span class=\"S27CE S266A S2\" id=\"t8o_126\">- </span><span class=\"S27CF S266A S2\" id=\"t8p_126\">- </span><span class=\"S27D0 S266A S2\" id=\"t8q_126\">- </span><span class=\"S27D1 S266A S2\" id=\"t8r_126\">- </span><span class=\"S27D2 S266A S2\" id=\"t8s_126\">- </span><span class=\"S27D3 S266A S2\" id=\"t8t_126\">- </span><span class=\"S27D4 S266A S2\" id=\"t8u_126\">3,257 </span><span class=\"S27D5 S2669 S2\" id=\"t8v_126\">3,257 </span><span class=\"S265A S266A S2\" id=\"t8w_126\">Non-trading </span><span class=\"S27D6 S266A S2\" id=\"t8x_126\">equity instruments </span><span class=\"S27D7 S266A S2\" id=\"t8y_126\">- </span><span class=\"S27D8 S266A S2\" id=\"t8z_126\">- </span><span class=\"S27D9 S266A S2\" id=\"t90_126\">6,112 </span><span class=\"S27DA S266A S2\" id=\"t91_126\">349 </span><span class=\"S27DB S266A S2\" id=\"t92_126\">- </span><span class=\"S27DC S266A S2\" id=\"t93_126\">- </span><span class=\"S27DD S266A S2\" id=\"t94_126\">- </span><span class=\"S27DE S266A S2\" id=\"t95_126\">- </span><span class=\"S27DF S266A S2\" id=\"t96_126\">305 </span><span class=\"S27E0 S266A S2\" id=\"t97_126\">- </span><span class=\"S27E1 S266A S2\" id=\"t98_126\">- </span><span class=\"S27E2 S266A S2\" id=\"t99_126\">- </span><span class=\"S27E3 S266A S2\" id=\"t9a_126\">- </span><span class=\"S27E4 S266A S2\" id=\"t9b_126\">- </span><span class=\"S27E5 S266A S2\" id=\"t9c_126\">- </span><span class=\"S27E6 S266A S2\" id=\"t9d_126\">28,210 </span><span class=\"S27E7 S2669 S2\" id=\"t9e_126\">34,976 </span><span class=\"S27E8 S2669 S2\" id=\"t9f_126\">Total </span><span class=\"S27E9 S2669 S2\" id=\"t9g_126\">21,728 </span><span class=\"S27EA S2669 S2\" id=\"t9h_126\">7,849 </span><span class=\"S27EB S2669 S2\" id=\"t9i_126\">6,112 </span><span class=\"S27EC S2669 S2\" id=\"t9j_126\">65,725 </span><span class=\"S27ED S2669 S2\" id=\"t9k_126\">28,492 </span><span class=\"S27EE S2669 S2\" id=\"t9l_126\">102,321 </span><span class=\"S27EF S2669 S2\" id=\"t9m_126\">203,172 </span><span class=\"S27F0 S2669 S2\" id=\"t9n_126\">609,422 </span><span class=\"S27F1 S2669 S2\" id=\"t9o_126\">417,109 </span><span class=\"S27F2 S2669 S2\" id=\"t9p_126\">244,240 </span><span class=\"S27F3 S2669 S2\" id=\"t9q_126\">175,107 </span><span class=\"S27F4 S2669 S2\" id=\"t9r_126\">109,774 </span><span class=\"S27F5 S2669 S2\" id=\"t9s_126\">76,732 </span><span class=\"S27F6 S2669 S2\" id=\"t9t_126\">91,487 </span><span class=\"S27F7 S2669 S2\" id=\"t9u_126\">178 </span><span class=\"S27F8 S2669 S2\" id=\"t9v_126\">65,062 </span><span class=\"S27F9 S2669 S2\" id=\"t9w_126\">2,224,510 </span><span class=\"S1FD0 SB S2\" id=\"t5_127\">37.1.  Credit risk [continued] </span><span class=\"S1FD1 SB S2\" id=\"t6_127\">37.1.8. </span><span class=\"S27FA S603 S2\" id=\"t7_127\">Financial instruments by Moody\u2019s rating categories [continued] </span><span class=\"S1FD3 SB S2\" id=\"t8_127\">Securities at amortized cost </span><span class=\"S27FB S2669 S2\" id=\"t9_127\">2022 </span><span class=\"S27FC S2669 S2\" id=\"ta_127\">Aaa </span><span class=\"S27FD S2669 S2\" id=\"tb_127\">Aa2 </span><span class=\"S27FE S2669 S2\" id=\"tc_127\">A1 </span><span class=\"S27FF S2669 S2\" id=\"td_127\">A2 </span><span class=\"S2800 S2669 S2\" id=\"te_127\">A3 </span><span class=\"S2801 S2669 S2\" id=\"tf_127\">Baa1 </span><span class=\"S2802 S2669 S2\" id=\"tg_127\">Baa2 </span><span class=\"S2803 S2669 S2\" id=\"th_127\">Baa3 </span><span class=\"S2804 S2669 S2\" id=\"ti_127\">Ba2 </span><span class=\"S2805 S2669 S2\" id=\"tj_127\">B1 </span><span class=\"S2806 S2669 S2\" id=\"tk_127\">B3 </span><span class=\"S2807 S2669 S2\" id=\"tl_127\">Caa3 </span><span class=\"S2808 S2669 S2\" id=\"tm_127\">Not </span><span class=\"S2809 S2669 S2\" id=\"tn_127\">rated </span><span class=\"S280A S2669 S2\" id=\"to_127\">N/A </span><span class=\"S280B S2669 S2\" id=\"tp_127\">Total </span><span class=\"S280C S266A S2\" id=\"tq_127\">Government bonds </span><span class=\"S280D S266A S2\" id=\"tr_127\">285,285 </span><span class=\"S280E S266A S2\" id=\"ts_127\">27,551 </span><span class=\"S280F S266A S2\" id=\"tt_127\">12,382 </span><span class=\"S2810 S266A S2\" id=\"tu_127\">26,341 </span><span class=\"S2811 S266A S2\" id=\"tv_127\">33,154 </span><span class=\"S2812 S266A S2\" id=\"tw_127\">218,408 </span><span class=\"S2813 S266A S2\" id=\"tx_127\">3,019,422 </span><span class=\"S2814 S266A S2\" id=\"ty_127\">154,043 </span><span class=\"S2815 S266A S2\" id=\"tz_127\">163,104 </span><span class=\"S2816 S266A S2\" id=\"t10_127\">39,470 </span><span class=\"S2817 S266A S2\" id=\"t11_127\">23,623 </span><span class=\"S2818 S266A S2\" id=\"t12_127\">308,798 </span><span class=\"S2819 S266A S2\" id=\"t13_127\">- </span><span class=\"S281A S266A S2\" id=\"t14_127\">24,427 </span><span class=\"S281B S2669 S2\" id=\"t15_127\">4,336,008 </span><span class=\"S281C S266A S2\" id=\"t16_127\">Corporate bonds </span><span class=\"S281D S266A S2\" id=\"t17_127\">- </span><span class=\"S281E S266A S2\" id=\"t18_127\">- </span><span class=\"S281F S266A S2\" id=\"t19_127\">- </span><span class=\"S2820 S266A S2\" id=\"t1a_127\">- </span><span class=\"S2821 S266A S2\" id=\"t1b_127\">- </span><span class=\"S2822 S266A S2\" id=\"t1c_127\">- </span><span class=\"S2823 S266A S2\" id=\"t1d_127\">- </span><span class=\"S2824 S266A S2\" id=\"t1e_127\">15,800 </span><span class=\"S2825 S266A S2\" id=\"t1f_127\">- </span><span class=\"S2826 S266A S2\" id=\"t1g_127\">2,839 </span><span class=\"S2827 S266A S2\" id=\"t1h_127\">- </span><span class=\"S2828 S266A S2\" id=\"t1i_127\">- </span><span class=\"S2829 S266A S2\" id=\"t1j_127\">229,322 </span><span class=\"S282A S266A S2\" id=\"t1k_127\">- </span><span class=\"S282B S2669 S2\" id=\"t1l_127\">247,961 </span><span class=\"S282C S266A S2\" id=\"t1m_127\">Bonds of Hungarian National Bank </span><span class=\"S282D S266A S2\" id=\"t1n_127\">- </span><span class=\"S282E S266A S2\" id=\"t1o_127\">- </span><span class=\"S282F S266A S2\" id=\"t1p_127\">- </span><span class=\"S2830 S266A S2\" id=\"t1q_127\">- </span><span class=\"S2831 S266A S2\" id=\"t1r_127\">- </span><span class=\"S2832 S266A S2\" id=\"t1s_127\">- </span><span class=\"S2833 S266A S2\" id=\"t1t_127\">- </span><span class=\"S2834 S266A S2\" id=\"t1u_127\">177,679 </span><span class=\"S2835 S266A S2\" id=\"t1v_127\">- </span><span class=\"S2836 S266A S2\" id=\"t1w_127\">- </span><span class=\"S2837 S266A S2\" id=\"t1x_127\">- </span><span class=\"S2838 S266A S2\" id=\"t1y_127\">- </span><span class=\"S2839 S266A S2\" id=\"t1z_127\">- </span><span class=\"S283A S266A S2\" id=\"t20_127\">- </span><span class=\"S283B S2669 S2\" id=\"t21_127\">177,679 </span><span class=\"S283C S266A S2\" id=\"t22_127\">Discounted Treasury bills </span><span class=\"S283D S266A S2\" id=\"t23_127\">- </span><span class=\"S283E S266A S2\" id=\"t24_127\">- </span><span class=\"S283F S266A S2\" id=\"t25_127\">- </span><span class=\"S2840 S266A S2\" id=\"t26_127\">- </span><span class=\"S2841 S266A S2\" id=\"t27_127\">- </span><span class=\"S2842 S266A S2\" id=\"t28_127\">- </span><span class=\"S2843 S266A S2\" id=\"t29_127\">- </span><span class=\"S2844 S266A S2\" id=\"t2a_127\">- </span><span class=\"S2845 S266A S2\" id=\"t2b_127\">- </span><span class=\"S2846 S266A S2\" id=\"t2c_127\">18,871 </span><span class=\"S2847 S266A S2\" id=\"t2d_127\">- </span><span class=\"S2848 S266A S2\" id=\"t2e_127\">- </span><span class=\"S2849 S266A S2\" id=\"t2f_127\">- </span><span class=\"S284A S2669 S2\" id=\"t2g_127\">18,871 </span><span class=\"S284B S266A S2\" id=\"t2h_127\">Mortgage bonds </span><span class=\"S284C S266A S2\" id=\"t2i_127\">- </span><span class=\"S284D S266A S2\" id=\"t2j_127\">- </span><span class=\"S284E S266A S2\" id=\"t2k_127\">12,966 </span><span class=\"S284F S266A S2\" id=\"t2l_127\">- </span><span class=\"S2850 S266A S2\" id=\"t2m_127\">- </span><span class=\"S2851 S266A S2\" id=\"t2n_127\">- </span><span class=\"S2852 S266A S2\" id=\"t2o_127\">- </span><span class=\"S2853 S266A S2\" id=\"t2p_127\">- </span><span class=\"S2854 S266A S2\" id=\"t2q_127\">- </span><span class=\"S2855 S266A S2\" id=\"t2r_127\">- </span><span class=\"S2856 S266A S2\" id=\"t2s_127\">- </span><span class=\"S2857 S266A S2\" id=\"t2t_127\">- </span><span class=\"S2858 S266A S2\" id=\"t2u_127\">11,518 </span><span class=\"S2859 S266A S2\" id=\"t2v_127\">- </span><span class=\"S285A S2669 S2\" id=\"t2w_127\">24,484 </span><span class=\"S285B S266A S2\" id=\"t2x_127\">Interest bearing Treasury bills </span><span class=\"S285C S266A S2\" id=\"t2y_127\">- </span><span class=\"S285D S266A S2\" id=\"t2z_127\">- </span><span class=\"S285E S266A S2\" id=\"t30_127\">- </span><span class=\"S285F S266A S2\" id=\"t31_127\">- </span><span class=\"S2860 S266A S2\" id=\"t32_127\">- </span><span class=\"S2861 S266A S2\" id=\"t33_127\">- </span><span class=\"S2862 S266A S2\" id=\"t34_127\">- </span><span class=\"S2863 S266A S2\" id=\"t35_127\">- </span><span class=\"S2864 S266A S2\" id=\"t36_127\">- </span><span class=\"S2865 S266A S2\" id=\"t37_127\">4,954 </span><span class=\"S2866 S266A S2\" id=\"t38_127\">- </span><span class=\"S2867 S266A S2\" id=\"t39_127\">- </span><span class=\"S2868 S266A S2\" id=\"t3a_127\">- </span><span class=\"S2869 S266A S2\" id=\"t3b_127\">- </span><span class=\"S286A S2669 S2\" id=\"t3c_127\">4,954 </span><span class=\"S2713 S266A S2\" id=\"t3d_127\">Other securities </span><span class=\"S286B S266A S2\" id=\"t3e_127\">- </span><span class=\"S286C S266A S2\" id=\"t3f_127\">- </span><span class=\"S286D S266A S2\" id=\"t3g_127\">1,911 </span><span class=\"S286E S266A S2\" id=\"t3h_127\">9,357 </span><span class=\"S286F S266A S2\" id=\"t3i_127\">403 </span><span class=\"S2870 S266A S2\" id=\"t3j_127\">11,874 </span><span class=\"S2871 S266A S2\" id=\"t3k_127\">3,971 </span><span class=\"S2872 S266A S2\" id=\"t3l_127\">13,223 </span><span class=\"S2873 S266A S2\" id=\"t3m_127\">1,968 </span><span class=\"S2874 S266A S2\" id=\"t3n_127\">- </span><span class=\"S2875 S266A S2\" id=\"t3o_127\">- </span><span class=\"S2876 S266A S2\" id=\"t3p_127\">- </span><span class=\"S2877 S266A S2\" id=\"t3q_127\">39,274 </span><span class=\"S2878 S266A S2\" id=\"t3r_127\">- </span><span class=\"S2879 S2669 S2\" id=\"t3s_127\">81,981 </span><span class=\"S2724 S2669 S2\" id=\"t3t_127\">Total </span><span class=\"S287A S2669 S2\" id=\"t3u_127\">285,285 </span><span class=\"S287B S2669 S2\" id=\"t3v_127\">27,551 </span><span class=\"S287C S2669 S2\" id=\"t3w_127\">27,259 </span><span class=\"S287D S2669 S2\" id=\"t3x_127\">35,698 </span><span class=\"S287E S2669 S2\" id=\"t3y_127\">33,557 </span><span class=\"S287F S2669 S2\" id=\"t3z_127\">230,282 </span><span class=\"S2880 S2669 S2\" id=\"t40_127\">3,023,393 </span><span class=\"S2881 S2669 S2\" id=\"t41_127\">360,745 </span><span class=\"S2882 S2669 S2\" id=\"t42_127\">165,072 </span><span class=\"S2883 S2669 S2\" id=\"t43_127\">47,263 </span><span class=\"S2884 S2669 S2\" id=\"t44_127\">42,494 </span><span class=\"S2885 S2669 S2\" id=\"t45_127\">308,798 </span><span class=\"S2886 S2669 S2\" id=\"t46_127\">280,114 </span><span class=\"S2887 S2669 S2\" id=\"t47_127\">24,427 </span><span class=\"S2888 S2669 S2\" id=\"t48_127\">4,891,938 </span><span class=\"S2889 S2669 S2\" id=\"t49_127\">2021 </span><span class=\"S288A S2669 S2\" id=\"t4a_127\">Aaa </span><span class=\"S288B S2669 S2\" id=\"t4b_127\">Aa2 </span><span class=\"S288C S2669 S2\" id=\"t4c_127\">A1 </span><span class=\"S288D S2669 S2\" id=\"t4d_127\">A2 </span><span class=\"S288E S2669 S2\" id=\"t4e_127\">A3 </span><span class=\"S288F S2669 S2\" id=\"t4f_127\">Baa1 </span><span class=\"S2890 S2669 S2\" id=\"t4g_127\">Baa2 </span><span class=\"S2891 S2669 S2\" id=\"t4h_127\">Baa3 </span><span class=\"S2892 S2669 S2\" id=\"t4i_127\">Ba1 </span><span class=\"S2893 S2669 S2\" id=\"t4j_127\">Ba2 </span><span class=\"S2894 S2669 S2\" id=\"t4k_127\">B1 </span><span class=\"S2895 S2669 S2\" id=\"t4l_127\">B3 </span><span class=\"S2896 S2669 S2\" id=\"t4m_127\">N/A </span><span class=\"S2897 S2669 S2\" id=\"t4n_127\">Total </span><span class=\"S2898 S266A S2\" id=\"t4o_127\">Government bonds </span><span class=\"S2899 S266A S2\" id=\"t4p_127\">185,261 </span><span class=\"S289A S266A S2\" id=\"t4q_127\">45,392 </span><span class=\"S289B S266A S2\" id=\"t4r_127\">20,043 </span><span class=\"S289C S266A S2\" id=\"t4s_127\">- </span><span class=\"S289D S266A S2\" id=\"t4t_127\">31,892 </span><span class=\"S289E S266A S2\" id=\"t4u_127\">172,502 </span><span class=\"S289F S266A S2\" id=\"t4v_127\">2,858,111 </span><span class=\"S28A0 S266A S2\" id=\"t4w_127\">174,929 </span><span class=\"S28A1 S266A S2\" id=\"t4x_127\">26,544 </span><span class=\"S28A2 S266A S2\" id=\"t4y_127\">12,617 </span><span class=\"S28A3 S266A S2\" id=\"t4z_127\">25,587 </span><span class=\"S28A4 S266A S2\" id=\"t50_127\">91,423 </span><span class=\"S28A5 S266A S2\" id=\"t51_127\">- </span><span class=\"S28A6 S2669 S2\" id=\"t52_127\">3,644,301 </span><span class=\"S28A7 S266A S2\" id=\"t53_127\">Corporate bonds </span><span class=\"S28A8 S266A S2\" id=\"t54_127\">- </span><span class=\"S28A9 S266A S2\" id=\"t55_127\">- </span><span class=\"S28AA S266A S2\" id=\"t56_127\">- </span><span class=\"S28AB S266A S2\" id=\"t57_127\">- </span><span class=\"S28AC S266A S2\" id=\"t58_127\">- </span><span class=\"S28AD S266A S2\" id=\"t59_127\">- </span><span class=\"S28AE S266A S2\" id=\"t5a_127\">- </span><span class=\"S28AF S266A S2\" id=\"t5b_127\">32,013 </span><span class=\"S28B0 S266A S2\" id=\"t5c_127\">- </span><span class=\"S28B1 S266A S2\" id=\"t5d_127\">- </span><span class=\"S28B2 S266A S2\" id=\"t5e_127\">- </span><span class=\"S28B3 S266A S2\" id=\"t5f_127\">- </span><span class=\"S28B4 S266A S2\" id=\"t5g_127\">138,862 </span><span class=\"S28B5 S2669 S2\" id=\"t5h_127\">170,875 </span><span class=\"S28B6 S266A S2\" id=\"t5i_127\">Discounted Treasury bills </span><span class=\"S28B7 S266A S2\" id=\"t5j_127\">- </span><span class=\"S28B8 S266A S2\" id=\"t5k_127\">- </span><span class=\"S28B9 S266A S2\" id=\"t5l_127\">- </span><span class=\"S28BA S266A S2\" id=\"t5m_127\">- </span><span class=\"S28BB S266A S2\" id=\"t5n_127\">- </span><span class=\"S28BC S266A S2\" id=\"t5o_127\">- </span><span class=\"S28BD S266A S2\" id=\"t5p_127\">6 </span><span class=\"S28BE S266A S2\" id=\"t5q_127\">- </span><span class=\"S28BF S266A S2\" id=\"t5r_127\">- </span><span class=\"S28C0 S266A S2\" id=\"t5s_127\">- </span><span class=\"S28C1 S266A S2\" id=\"t5t_127\">- </span><span class=\"S28C2 S266A S2\" id=\"t5u_127\">15,696 </span><span class=\"S28C3 S266A S2\" id=\"t5v_127\">- </span><span class=\"S28C4 S2669 S2\" id=\"t5w_127\">15,702 </span><span class=\"S28C5 S266A S2\" id=\"t5x_127\">Mortgage bonds </span><span class=\"S28C6 S266A S2\" id=\"t5y_127\">- </span><span class=\"S28C7 S266A S2\" id=\"t5z_127\">- </span><span class=\"S28C8 S266A S2\" id=\"t60_127\">12,992 </span><span class=\"S28C9 S266A S2\" id=\"t61_127\">- </span><span class=\"S28CA S266A S2\" id=\"t62_127\">- </span><span class=\"S28CB S266A S2\" id=\"t63_127\">- </span><span class=\"S28CC S266A S2\" id=\"t64_127\">- </span><span class=\"S28CD S266A S2\" id=\"t65_127\">47 </span><span class=\"S28CE S266A S2\" id=\"t66_127\">- </span><span class=\"S28CF S266A S2\" id=\"t67_127\">- </span><span class=\"S28D0 S266A S2\" id=\"t68_127\">- </span><span class=\"S28D1 S266A S2\" id=\"t69_127\">- </span><span class=\"S28D2 S266A S2\" id=\"t6a_127\">11,282 </span><span class=\"S28D3 S2669 S2\" id=\"t6b_127\">24,321 </span><span class=\"S28D4 S266A S2\" id=\"t6c_127\">Other securities </span><span class=\"S28D5 S266A S2\" id=\"t6d_127\">298 </span><span class=\"S28D6 S266A S2\" id=\"t6e_127\">- </span><span class=\"S28D7 S266A S2\" id=\"t6f_127\">- </span><span class=\"S28D8 S266A S2\" id=\"t6g_127\">8,210 </span><span class=\"S28D9 S266A S2\" id=\"t6h_127\">- </span><span class=\"S28DA S266A S2\" id=\"t6i_127\">7,343 </span><span class=\"S28DB S266A S2\" id=\"t6j_127\">3,682 </span><span class=\"S28DC S266A S2\" id=\"t6k_127\">- </span><span class=\"S28DD S266A S2\" id=\"t6l_127\">- </span><span class=\"S28DE S266A S2\" id=\"t6m_127\">- </span><span class=\"S28DF S266A S2\" id=\"t6n_127\">- </span><span class=\"S28E0 S266A S2\" id=\"t6o_127\">- </span><span class=\"S28E1 S266A S2\" id=\"t6p_127\">16,603 </span><span class=\"S28E2 S2669 S2\" id=\"t6q_127\">36,136 </span><span class=\"S28E3 S2669 S2\" id=\"t6r_127\">Total </span><span class=\"S28E4 S2669 S2\" id=\"t6s_127\">185,559 </span><span class=\"S28E5 S2669 S2\" id=\"t6t_127\">45,392 </span><span class=\"S28E6 S2669 S2\" id=\"t6u_127\">33,035 </span><span class=\"S28E7 S2669 S2\" id=\"t6v_127\">8,210 </span><span class=\"S28E8 S2669 S2\" id=\"t6w_127\">31,892 </span><span class=\"S28E9 S2669 S2\" id=\"t6x_127\">179,845 </span><span class=\"S28EA S2669 S2\" id=\"t6y_127\">2,861,799 </span><span class=\"S28EB S2669 S2\" id=\"t6z_127\">206,989 </span><span class=\"S28EC S2669 S2\" id=\"t70_127\">26,544 </span><span class=\"S28ED S2669 S2\" id=\"t71_127\">12,617 </span><span class=\"S28EE S2669 S2\" id=\"t72_127\">25,587 </span><span class=\"S28EF S2669 S2\" id=\"t73_127\">107,119 </span><span class=\"S28F0 S2669 S2\" id=\"t74_127\">166,747 </span><span class=\"S28F1 S2669 S2\" id=\"t75_127\">3,891,335 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f12400": {
   "value": "<span class=\"S24BA SB S2\" id=\"t1g_122\">37.1.6.  Collateral </span><span class=\"S24BB SA7 S2\" id=\"t1h_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24BC SB S2\" id=\"t1i_122\">total collateral</span><span class=\"S24BD SA7 S2\" id=\"t1j_122\">). The collateral </span><span class=\"S24BE SA7 S2\" id=\"t1k_122\">covers loans as well as off-balance sheet exposures. </span><span class=\"S24BF SB S2\" id=\"t1l_122\">Types of collateral </span><span class=\"S1842 SB S2\" id=\"t1m_122\">2022 </span><span class=\"S1843 SB S2\" id=\"t1n_122\">2021 </span><span class=\"S24C0 SA7 S2\" id=\"t1o_122\">Mortgages </span><span class=\"S24C1 SA7 S2\" id=\"t1p_122\">16,332,892 </span><span class=\"S24C2 SA7 S2\" id=\"t1q_122\">13,367,891 </span><span class=\"S24C3 SA7 S2\" id=\"t1r_122\">Guarantees and warranties </span><span class=\"S24C4 SA7 S2\" id=\"t1s_122\">1,630,318 </span><span class=\"S24C5 SA7 S2\" id=\"t1t_122\">1,296,415 </span><span class=\"S24C6 SA7 S2\" id=\"t1u_122\">Guarantees of state or organizations owned by state </span><span class=\"S24C7 SA7 S2\" id=\"t1v_122\">1,635,382 </span><span class=\"S24C8 SA7 S2\" id=\"t1w_122\">1,070,479 </span><span class=\"S24C9 SA7 S2\" id=\"t1x_122\">Assignments (revenue or other receivables) </span><span class=\"S24CA SA7 S2\" id=\"t1y_122\">423,098 </span><span class=\"S24CB SA7 S2\" id=\"t1z_122\">422,030 </span><span class=\"S24CC SA7 S2\" id=\"t20_122\">Securities </span><span class=\"S24CD SA7 S2\" id=\"t21_122\">168,941 </span><span class=\"S24CE SA7 S2\" id=\"t22_122\">237,076 </span><span class=\"S24CF SA7 S2\" id=\"t23_122\">Cash deposits </span><span class=\"S24D0 SA7 S2\" id=\"t24_122\">208,487 </span><span class=\"S24D1 SA7 S2\" id=\"t25_122\">187,934 </span><span class=\"S24D2 SA7 S2\" id=\"t26_122\">Other </span><span class=\"S24D3 SA7 S2\" id=\"t27_122\">1,758,802 </span><span class=\"S24D4 SA7 S2\" id=\"t28_122\">2,211,671 </span><span class=\"S24D5 SB S2\" id=\"t29_122\">Total </span><span class=\"S24D6 SB S2\" id=\"t2a_122\">22,157,920 </span><span class=\"S24D7 SB S2\" id=\"t2b_122\">18,793,496 </span><span class=\"S24D8 SA7 S2\" id=\"t2c_122\">The values of collateral received and held by the Group by type are as follows ( </span><span class=\"S24D9 SB S2\" id=\"t2d_122\">to the extent of the exposures</span><span class=\"S24DA SA7 S2\" id=\"t2e_122\">). </span><span class=\"S24DB SA7 S2\" id=\"t2f_122\">The collaterals cover loans as well as off-balance sheet exposures. </span><span class=\"S24DC SB S2\" id=\"t2g_122\">Types of collateral </span><span class=\"S24DD SB S2\" id=\"t2h_122\">2022 </span><span class=\"S24DE SB S2\" id=\"t2i_122\">2021 </span><span class=\"S24DF SA7 S2\" id=\"t2j_122\">Mortgages </span><span class=\"S24E0 SA7 S2\" id=\"t2k_122\">8,044,836 </span><span class=\"S24E1 SA7 S2\" id=\"t2l_122\">6,479,871 </span><span class=\"S24E2 SA7 S2\" id=\"t2m_122\">Guarantees of state or organizations owned by state </span><span class=\"S24E3 SA7 S2\" id=\"t2n_122\">1,241,702 </span><span class=\"S24E4 SA7 S2\" id=\"t2o_122\">832,432 </span><span class=\"S24E5 SA7 S2\" id=\"t2p_122\">Guarantees and warranties </span><span class=\"S24E6 SA7 S2\" id=\"t2q_122\">1,016,672 </span><span class=\"S24E7 SA7 S2\" id=\"t2r_122\">799,775 </span><span class=\"S24E8 SA7 S2\" id=\"t2s_122\">Assignments (revenue or other receivables) </span><span class=\"S24E9 SA7 S2\" id=\"t2t_122\">220,062 </span><span class=\"S24EA SA7 S2\" id=\"t2u_122\">290,066 </span><span class=\"S24EB SA7 S2\" id=\"t2v_122\">Securities </span><span class=\"S24EC SA7 S2\" id=\"t2w_122\">99,345 </span><span class=\"S24ED SA7 S2\" id=\"t2x_122\">156,715 </span><span class=\"S24EE SA7 S2\" id=\"t2y_122\">Cash deposits </span><span class=\"S24EF SA7 S2\" id=\"t2z_122\">80,313 </span><span class=\"S24F0 SA7 S2\" id=\"t30_122\">76,338 </span><span class=\"S24F1 SA7 S2\" id=\"t31_122\">Other </span><span class=\"S24F2 SA7 S2\" id=\"t32_122\">752,241 </span><span class=\"S24F3 SA7 S2\" id=\"t33_122\">1,295,740 </span><span class=\"S24F4 SB S2\" id=\"t34_122\">Total </span><span class=\"S24F5 SB S2\" id=\"t35_122\">11,455,171 </span><span class=\"S24F6 SB S2\" id=\"t36_122\">9,930,937 </span><span class=\"S1E6F SB S2\" id=\"t5_123\">37.1.  Credit risk [continued] </span><span class=\"S24F7 SB S2\" id=\"t6_123\">37.1.6.  Collateral [continued] </span><span class=\"S24F8 SA7 S2\" id=\"t7_123\">The coverage level of the loan portfolio (total collateral) increased by 2.22 pps and the coverage level to the extent </span><span class=\"S746 SA7 S2\" id=\"t8_123\">of the exposures also increased by 0.06 pps as at 31 December 2022. </span><span class=\"S8B0 SA7 S2\" id=\"t9_123\">The values of collateral given and held by the Group according to which financial asset is recognized as collateral </span><span class=\"S24F9 SA7 S2\" id=\"ta_123\">are as follows: </span><span class=\"S24FA SB S2\" id=\"tb_123\">Financial assets as collaterals recognized in the </span><span class=\"S24FB SB S2\" id=\"tc_123\">2022 </span><span class=\"S24FC SB S2\" id=\"td_123\">2021 </span><span class=\"S24FD SB S2\" id=\"te_123\">consolidated statement of financial position </span><span class=\"S24FE SA7 S2\" id=\"tf_123\">Cash, amounts due from banks and balances </span><span class=\"S24FF SA7 S2\" id=\"tg_123\">with the National Banks </span><span class=\"S2500 SA7 S2\" id=\"th_123\">87,916 </span><span class=\"S2501 SA7 S2\" id=\"ti_123\">15,791 </span><span class=\"S2502 SA7 S2\" id=\"tj_123\">Placements with other banks </span><span class=\"S2503 SA7 S2\" id=\"tk_123\">11,313 </span><span class=\"S2504 SA7 S2\" id=\"tl_123\">9,590 </span><span class=\"S2505 SA7 S2\" id=\"tm_123\">Repo receivables </span><span class=\"S2506 SA7 S2\" id=\"tn_123\">13,253 </span><span class=\"S2507 SA7 S2\" id=\"to_123\">35,826 </span><span class=\"S2508 SA7 S2\" id=\"tp_123\">Securities at fair value through other comprehensive income </span><span class=\"S2509 SA7 S2\" id=\"tq_123\">- </span><span class=\"S250A SA7 S2\" id=\"tr_123\">16,546 </span><span class=\"S250B SA7 S2\" id=\"ts_123\">Securities at amortized cost </span><span class=\"S250C SA7 S2\" id=\"tt_123\">91,991 </span><span class=\"S250D SA7 S2\" id=\"tu_123\">42,233 </span><span class=\"S250E SA7 S2\" id=\"tv_123\">Loans at amortized cost </span><span class=\"S250F SA7 S2\" id=\"tw_123\">1,099,311 </span><span class=\"S2510 SA7 S2\" id=\"tx_123\">1,089,614 </span><span class=\"S2511 SA7 S2\" id=\"ty_123\">Finance lease receivables </span><span class=\"S2512 SA7 S2\" id=\"tz_123\">32,553 </span><span class=\"S2513 SA7 S2\" id=\"t10_123\">32,553 </span><span class=\"S2514 SB S2\" id=\"t11_123\">Total </span><span class=\"S2515 SB S2\" id=\"t12_123\">1,336,337 </span><span class=\"S2516 SB S2\" id=\"t13_123\">1,242,153 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13579": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_128\">37.2. </span><span class=\"S28F2 SB S2\" id=\"t6_128\">Maturity analysis of assets, liabilities and liquidity risk </span><span class=\"S28F3 SA7 S2\" id=\"t7_128\">Liquidity risk is a measure of the extent to which the Group may be required to raise funds to meet its commitments </span><span class=\"S28F4 SA7 S2\" id=\"t8_128\">associated with financial instruments. The Group maintains its liquidity position in accordance with regulations </span><span class=\"S28F5 SA7 S2\" id=\"t9_128\">prescribed by the NBH. </span><span class=\"S28F6 SA7 S2\" id=\"ta_128\">The essential aspect of the liquidity risk management strategy is to identify all relevant systemic and idiosyncratic </span><span class=\"S28F7 SA7 S2\" id=\"tb_128\">sources of liquidity risk and to measure the probability and severity of such events. During liquidity risk </span><span class=\"S28F8 SA7 S2\" id=\"tc_128\">management the Group considers the effect of liquidity risk events caused by reasons arising in the bank business </span><span class=\"S28F9 SA7 S2\" id=\"td_128\">line (deposit withdrawal), the national economy (exchange rate shock yield curve shock) and the global financial </span><span class=\"S28FA SA7 S2\" id=\"te_128\">system (capital market shock). </span><span class=\"S77D S5B9 S2\" id=\"tf_128\">In line with the Group\u2019s risk </span><span class=\"S28FB SA7 S2\" id=\"tg_128\">management policy liquidity risks are measured and managed on multiply hierarchy </span><span class=\"S28FC SA7 S2\" id=\"th_128\">levels and applying integrated unified VaR based methodology. The basic requirement is that the Group must keep </span><span class=\"S28FD SA7 S2\" id=\"ti_128\">high quality liquidity reserves which means it can fulfill all liabilities when they fall due without material additional </span><span class=\"S28FE SA7 S2\" id=\"tj_128\">costs. </span><span class=\"S28FF SA7 S2\" id=\"tk_128\">The liquidity reserves can be divided in two parts. There are separate decentralized liquid asset portfolios at </span><span class=\"S2900 SA7 S2\" id=\"tl_128\">subsidiary level and a centralized flexible liquidity pool at a Group level. The reserves at subsidiary levels are held </span><span class=\"S2901 SA7 S2\" id=\"tm_128\">to cover the relevant shocks of the subsidiaries which may arise in local currencies (deposit withdrawal, local </span><span class=\"S2902 SA7 S2\" id=\"tn_128\">capital market shock, unexpected business expansion), while the centralized liquidity pool is held to cover the </span><span class=\"S2903 S5B9 S2\" id=\"to_128\">Bank\u2019s separate shocks (deposit</span><span class=\"S2904 SA7 S2\" id=\"tp_128\">-, yield curve- </span><span class=\"S2905 S5B9 S2\" id=\"tq_128\">and exchange rate shocks) and all group member\u2019s potential shocks </span><span class=\"SA92 SA7 S2\" id=\"tr_128\">that may arise in foreign currencies (deposit withdrawal, capital market shock). </span><span class=\"S2906 SA7 S2\" id=\"ts_128\">The recalculation of shocks is made at least quarterly while the recalibration of shock measurement models and </span><span class=\"S2907 SA7 S2\" id=\"tt_128\">review of the risk management methodology is an annual process. The monitoring of liquidity reserves for both </span><span class=\"S18BC SA7 S2\" id=\"tu_128\">centralized and decentralized liquid asset portfolio has been built into the daily reporting process. </span><span class=\"S2908 SA7 S2\" id=\"tv_128\">Due to the balance sheet adjustment process (deleveraging) experienced in the last few years, the liquidity reserves </span><span class=\"S2909 SA7 S2\" id=\"tw_128\">of the Group increased significantly while the liquidity risk exposure has decreased considerably. Currently the </span><span class=\"S290A SA7 S2\" id=\"tx_128\">(over)coverage of potential liquidity risk exposure by high quality liquid assets is high. There were no material </span><span class=\"S290B SA7 S2\" id=\"ty_128\">changes in the liquidity risk management process for the year ended 31 December 2022. </span><span class=\"S290C SA7 S2\" id=\"tz_128\">The contractual amounts disclosed in the maturity analyses are the contractual undiscounted cash-flows like gross </span><span class=\"S290D SA7 S2\" id=\"t10_128\">finance lease obligations (before deducting finance charges); prices specified in forward agreements to purchase </span><span class=\"S290E SA7 S2\" id=\"t11_128\">financial assets for cash; net amounts for pay-floating/receive-fixed interest rate swaps for which net cash-flows </span><span class=\"S290F SA7 S2\" id=\"t12_128\">are exchanged; contractual amounts to be exchanged in a derivative financial instrument for which gross cash- </span><span class=\"S2910 SA7 S2\" id=\"t13_128\">flows are exchanged; gross loan commitments. </span><span class=\"S2911 SA7 S2\" id=\"t14_128\">Such undiscounted cash-flows differ from the amount included in the Consolidated Statement of Financial Position </span><span class=\"S2912 SA7 S2\" id=\"t15_128\">because the amount in that statement is based on discounted cash-flows. When the amount payable is not fixed, </span><span class=\"S2913 SA7 S2\" id=\"t16_128\">the amount disclosed is determined by reference to the conditions existing at the end of the reporting period. For </span><span class=\"S2914 SA7 S2\" id=\"t17_128\">example, when the amount payable varies with changes in an index, the amount disclosed may be based on the </span><span class=\"S2915 SA7 S2\" id=\"t18_128\">level of the index at the end of the period. </span><span class=\"S2916 SA7 S2\" id=\"t19_128\">The following tables provide an analysis of assets and liabilities about the non-discounted cash-flow into relevant </span><span class=\"S2917 SA7 S2\" id=\"t1a_128\">maturity groupings based on the remaining period from the balance sheet date to the contractual maturity date. It </span><span class=\"S2918 SA7 S2\" id=\"t1b_128\">is presented under the most prudent consideration of maturity dates where options or repayment schedules allow </span><span class=\"S2919 SA7 S2\" id=\"t1c_128\">for early repayment possibilities. </span><span class=\"S291A SB S2\" id=\"t5_129\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_129\">2022 </span><span class=\"S291C S27D S2\" id=\"t7_129\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_129\">months </span><span class=\"S291E S27D S2\" id=\"t9_129\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_129\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_129\">months </span><span class=\"S2921 S27D S2\" id=\"tc_129\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_129\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_129\">year </span><span class=\"S2924 S27D S2\" id=\"tf_129\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_129\">Without </span><span class=\"S2926 S27D S2\" id=\"th_129\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_129\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_129\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_129\">4,223,091 </span><span class=\"S292A S27E S2\" id=\"tl_129\">4 </span><span class=\"S292B S27E S2\" id=\"tm_129\">- </span><span class=\"S292C S27E S2\" id=\"tn_129\">- </span><span class=\"S292D S27E S2\" id=\"to_129\">- </span><span class=\"S292E S27E S2\" id=\"tp_129\">4,223,095 </span><span class=\"S292F S27E S2\" id=\"tq_129\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_129\">1,062,238 </span><span class=\"S2931 S27E S2\" id=\"ts_129\">67,317 </span><span class=\"S2932 S27E S2\" id=\"tt_129\">221,803 </span><span class=\"S2933 S27E S2\" id=\"tu_129\">2,969 </span><span class=\"S2934 S27E S2\" id=\"tv_129\">806 </span><span class=\"S2935 S27E S2\" id=\"tw_129\">1,355,133 </span><span class=\"S2936 S27E S2\" id=\"tx_129\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_129\">41,250 </span><span class=\"S2938 S27E S2\" id=\"tz_129\">- </span><span class=\"S2939 S27E S2\" id=\"t10_129\">- </span><span class=\"S293A S27E S2\" id=\"t11_129\">- </span><span class=\"S293B S27E S2\" id=\"t12_129\">- </span><span class=\"S293C S27E S2\" id=\"t13_129\">41,250 </span><span class=\"S293D S27E S2\" id=\"t14_129\">Trading securities at fair value through profit or loss </span><span class=\"S293E S27E S2\" id=\"t15_129\">5,350 </span><span class=\"S293F S27E S2\" id=\"t16_129\">29,118 </span><span class=\"S2940 S27E S2\" id=\"t17_129\">67,117 </span><span class=\"S2941 S27E S2\" id=\"t18_129\">11,794 </span><span class=\"S2942 S27E S2\" id=\"t19_129\">50 </span><span class=\"S2943 S27E S2\" id=\"t1a_129\">113,429 </span><span class=\"S2944 S27E S2\" id=\"t1b_129\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2945 S27E S2\" id=\"t1c_129\">594 </span><span class=\"S2946 S27E S2\" id=\"t1d_129\">1,127 </span><span class=\"S2947 S27E S2\" id=\"t1e_129\">9,163 </span><span class=\"S2948 S27E S2\" id=\"t1f_129\">20 </span><span class=\"S2949 S27E S2\" id=\"t1g_129\">34,490 </span><span class=\"S294A S27E S2\" id=\"t1h_129\">45,394 </span><span class=\"S294B S27E S2\" id=\"t1i_129\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_129\">254,204 </span><span class=\"S294D S27E S2\" id=\"t1k_129\">301,798 </span><span class=\"S294E S27E S2\" id=\"t1l_129\">996,103 </span><span class=\"S294F S27E S2\" id=\"t1m_129\">286,950 </span><span class=\"S2950 S27E S2\" id=\"t1n_129\">131,680 </span><span class=\"S2951 S27E S2\" id=\"t1o_129\">1,970,735 </span><span class=\"S2952 S27E S2\" id=\"t1p_129\">Securities at amortized cost </span><span class=\"S2953 S27E S2\" id=\"t1q_129\">534,388 </span><span class=\"S2954 S27E S2\" id=\"t1r_129\">439,296 </span><span class=\"S2955 S27E S2\" id=\"t1s_129\">2,423,815 </span><span class=\"S2956 S27E S2\" id=\"t1t_129\">1,585,672 </span><span class=\"S2957 S27E S2\" id=\"t1u_129\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_129\">4,983,171 </span><span class=\"S2959 S27E S2\" id=\"t1w_129\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_129\">2,013,234 </span><span class=\"S295B S27E S2\" id=\"t1y_129\">3,287,432 </span><span class=\"S295C S27E S2\" id=\"t1z_129\">6,141,665 </span><span class=\"S295D S27E S2\" id=\"t20_129\">6,441,001 </span><span class=\"S295E S27E S2\" id=\"t21_129\">30,584 </span><span class=\"S295F S27E S2\" id=\"t22_129\">17,913,916 </span><span class=\"S2960 S27E S2\" id=\"t23_129\">Finance lease receivable </span><span class=\"S2961 S27E S2\" id=\"t24_129\">87,867 </span><span class=\"S2962 S27E S2\" id=\"t25_129\">215,640 </span><span class=\"S2963 S27E S2\" id=\"t26_129\">1,007,512 </span><span class=\"S2964 S27E S2\" id=\"t27_129\">83,753 </span><span class=\"S2965 S27E S2\" id=\"t28_129\">- </span><span class=\"S2966 S27E S2\" id=\"t29_129\">1,394,772 </span><span class=\"S2967 S27E S2\" id=\"t2a_129\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_129\">40,151 </span><span class=\"S2969 S27E S2\" id=\"t2c_129\">38,038 </span><span class=\"S296A S27E S2\" id=\"t2d_129\">239,627 </span><span class=\"S296B S27E S2\" id=\"t2e_129\">973,060 </span><span class=\"S296C S27E S2\" id=\"t2f_129\">- </span><span class=\"S296D S27E S2\" id=\"t2g_129\">1,290,876 </span><span class=\"S296E S27E S2\" id=\"t2h_129\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_129\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_129\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_129\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_129\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_129\">85,929 </span><span class=\"S2974 S27E S2\" id=\"t2n_129\">85,929 </span><span class=\"S2975 S27E S2\" id=\"t2o_129\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_129\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_129\">271,648 </span><span class=\"S2978 S27E S2\" id=\"t2r_129\">4,039 </span><span class=\"S2979 S27E S2\" id=\"t2s_129\">3,917 </span><span class=\"S297A S27E S2\" id=\"t2t_129\">8,485 </span><span class=\"S297B S27E S2\" id=\"t2u_129\">6,726 </span><span class=\"S297C S27E S2\" id=\"t2v_129\">294,815 </span><span class=\"S297D S27D S2\" id=\"t2w_129\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_129\">8,534,015 </span><span class=\"S297F S27D S2\" id=\"t2y_129\">4,383,809 </span><span class=\"S2980 S27D S2\" id=\"t2z_129\">11,110,722 </span><span class=\"S2981 S27D S2\" id=\"t30_129\">9,393,704 </span><span class=\"S2982 S27D S2\" id=\"t31_129\">290,265 </span><span class=\"S2983 S27D S2\" id=\"t32_129\">33,712,515 </span><span class=\"S2984 S27E S2\" id=\"t33_129\">Amounts due to banks, the National Governments, </span><span class=\"S2985 S27E S2\" id=\"t34_129\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_129\">387,564 </span><span class=\"S2987 S27E S2\" id=\"t36_129\">213,599 </span><span class=\"S2988 S27E S2\" id=\"t37_129\">665,930 </span><span class=\"S2989 S27E S2\" id=\"t38_129\">296,766 </span><span class=\"S298A S27E S2\" id=\"t39_129\">- </span><span class=\"S298B S27E S2\" id=\"t3a_129\">1,563,859 </span><span class=\"S298C S27E S2\" id=\"t3b_129\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_129\">29,153 </span><span class=\"S298E S27E S2\" id=\"t3d_129\">191 </span><span class=\"S298F S27E S2\" id=\"t3e_129\">188,025 </span><span class=\"S2990 S27E S2\" id=\"t3f_129\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_129\">- </span><span class=\"S2992 S27E S2\" id=\"t3h_129\">217,369 </span><span class=\"S2993 S27E S2\" id=\"t3i_129\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_129\">583 </span><span class=\"S2995 S27E S2\" id=\"t3k_129\">1,133 </span><span class=\"S2996 S27E S2\" id=\"t3l_129\">5,535 </span><span class=\"S2997 S27E S2\" id=\"t3m_129\">50,218 </span><span class=\"S2998 S27E S2\" id=\"t3n_129\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_129\">57,469 </span><span class=\"S299A S27E S2\" id=\"t3p_129\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_129\">23,399,285 </span><span class=\"S299C S27E S2\" id=\"t3r_129\">1,275,142 </span><span class=\"S299D S27E S2\" id=\"t3s_129\">398,900 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_129\">123,290 </span><span class=\"S299E S27E S2\" id=\"t3u_129\">- </span><span class=\"S299F S27E S2\" id=\"t3v_129\">25,196,617 </span><span class=\"S29A0 S27E S2\" id=\"t3w_129\">Liabilities from issued securities </span><span class=\"S29A1 S27E S2\" id=\"t3x_129\">10,644 </span><span class=\"S29A2 S27E S2\" id=\"t3y_129\">44,375 </span><span class=\"S29A3 S27E S2\" id=\"t3z_129\">730,703 </span><span class=\"S29A4 S27E S2\" id=\"t40_129\">173,510 </span><span class=\"S29A5 S27E S2\" id=\"t41_129\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_129\">959,232 </span><span class=\"S29A7 S27E S2\" id=\"t43_129\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_129\">4,720 </span><span class=\"S29A9 S27E S2\" id=\"t45_129\">9,616 </span><span class=\"S29AA S27E S2\" id=\"t46_129\">33,534 </span><span class=\"S29AB S27E S2\" id=\"t47_129\">18,397 </span><span class=\"S29AC S27E S2\" id=\"t48_129\">72 </span><span class=\"S29AD S27E S2\" id=\"t49_129\">66,339 </span><span class=\"S29AE S27E S2\" id=\"t4a_129\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_129\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_129\">550,802 </span><span class=\"S29B1 S27E S2\" id=\"t4d_129\">34,748 </span><span class=\"S29B2 S27E S2\" id=\"t4e_129\">11,065 </span><span class=\"S29B3 S27E S2\" id=\"t4f_129\">817 </span><span class=\"S29B4 S27E S2\" id=\"t4g_129\">4,231 </span><span class=\"S29B5 S27E S2\" id=\"t4h_129\">601,663 </span><span class=\"S29B6 S27E S2\" id=\"t4i_129\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_129\">3,395 </span><span class=\"S29B8 S27E S2\" id=\"t4k_129\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_129\">8,603 </span><span class=\"S29BA S27E S2\" id=\"t4m_129\">291,801 </span><span class=\"S29BB S27E S2\" id=\"t4n_129\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_129\">303,799 </span><span class=\"S29BD S27D S2\" id=\"t4p_129\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_129\">24,386,146 </span><span class=\"S29BF S27D S2\" id=\"t4r_129\">1,578,804 </span><span class=\"S29C0 S27D S2\" id=\"t4s_129\">2,042,295 </span><span class=\"S29C1 S27D S2\" id=\"t4t_129\">954,799 </span><span class=\"S29C2 S27D S2\" id=\"t4u_129\">4,303 </span><span class=\"S29C3 S27D S2\" id=\"t4v_129\">28,966,347 </span><span class=\"S29C4 S27D S2\" id=\"t4w_129\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_129\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_129\">(15,852,131) </span><span class=\"S29C7 S27D S2\" id=\"t4z_129\">2,805,005 </span><span class=\"S29C8 S27D S2\" id=\"t50_129\">9,068,427 </span><span class=\"S29C9 S27D S2\" id=\"t51_129\">8,438,905 </span><span class=\"S29CA S27D S2\" id=\"t52_129\">285,962 </span><span class=\"S29CB S27D S2\" id=\"t53_129\">4,746,168 </span><span class=\"S29CC S482 S2\" id=\"t54_129\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_129\">Without derivative financial instruments. </span><span class=\"S29CE S482 S2\" id=\"t56_129\">2 </span><span class=\"S29CF S483 S2\" id=\"t57_129\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S29D0 S1A84 S2\" id=\"t58_129\">demand deposits are presented in the earliest (within 3 month) period category, however based on the Management\u2019s discretion </span><span class=\"S29D1 S483 S2\" id=\"t59_129\">the Group has appropriate liquidity reserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5a_129\">risk. </span><span class=\"S291A SB S2\" id=\"t5_130\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_130\">2022 </span><span class=\"S29D5 S27D S2\" id=\"t7_130\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_130\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_130\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_130\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_130\">months </span><span class=\"S29DA S27D S2\" id=\"tc_130\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_130\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_130\">year </span><span class=\"S29DD S27D S2\" id=\"tf_130\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_130\">Without </span><span class=\"S29DF S27D S2\" id=\"th_130\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_130\">Total </span><span class=\"S29E1 S27E S2\" id=\"tj_130\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_130\">7,242,836 </span><span class=\"S29E3 S27E S2\" id=\"tl_130\">1,270,841 </span><span class=\"S29E4 S27E S2\" id=\"tm_130\">476,343 </span><span class=\"S29E5 S27E S2\" id=\"tn_130\">186,089 </span><span class=\"S29E6 S27E S2\" id=\"to_130\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_130\">9,176,109 </span><span class=\"S29E8 S27E S2\" id=\"tq_130\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_130\">(7,885,403) </span><span class=\"S29EA S27E S2\" id=\"ts_130\">(1,623,033) </span><span class=\"S29EB S27E S2\" id=\"tt_130\">(499,998) </span><span class=\"S29EC S27E S2\" id=\"tu_130\">(192,979) </span><span class=\"S29ED S27E S2\" id=\"tv_130\">- </span><span class=\"S29EE S27E S2\" id=\"tw_130\">(10,201,413) </span><span class=\"S29EF S27D S2\" id=\"tx_130\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_130\">held for trading </span><span class=\"S29F1 S27D S2\" id=\"tz_130\">(642,567) </span><span class=\"S29F2 S27D S2\" id=\"t10_130\">(352,192) </span><span class=\"S29F3 S27D S2\" id=\"t11_130\">(23,655) </span><span class=\"S29F4 S27D S2\" id=\"t12_130\">(6,890) </span><span class=\"S29F5 S27D S2\" id=\"t13_130\">- </span><span class=\"S29F6 S27D S2\" id=\"t14_130\">(1,025,304) </span><span class=\"S29F7 S27E S2\" id=\"t15_130\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_130\">designated as hedge accounting </span><span class=\"S29F9 S27E S2\" id=\"t17_130\">316,440 </span><span class=\"S29FA S27E S2\" id=\"t18_130\">186,839 </span><span class=\"S29FB S27E S2\" id=\"t19_130\">784,159 </span><span class=\"S29FC S27E S2\" id=\"t1a_130\">15,859 </span><span class=\"S29FD S27E S2\" id=\"t1b_130\">- </span><span class=\"S29FE S27E S2\" id=\"t1c_130\">1,303,297 </span><span class=\"S29FF S27E S2\" id=\"t1d_130\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_130\">designated as hedge accounting </span><span class=\"S2A01 S27E S2\" id=\"t1f_130\">(297,714) </span><span class=\"S2A02 S27E S2\" id=\"t1g_130\">(217,102) </span><span class=\"S2A03 S27E S2\" id=\"t1h_130\">(2,031,727) </span><span class=\"S2A04 S27E S2\" id=\"t1i_130\">(13,425) </span><span class=\"S2A05 S27E S2\" id=\"t1j_130\">- </span><span class=\"S2A06 S27E S2\" id=\"t1k_130\">(2,559,968) </span><span class=\"S2A07 S27D S2\" id=\"t1l_130\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_130\">as hedge accounting </span><span class=\"S2A09 S27D S2\" id=\"t1n_130\">18,726 </span><span class=\"S2A0A S27D S2\" id=\"t1o_130\">(30,263) </span><span class=\"S2A0B S27D S2\" id=\"t1p_130\">(1,247,568) </span><span class=\"S2A0C S27D S2\" id=\"t1q_130\">2,434 </span><span class=\"S2A0D S27D S2\" id=\"t1r_130\">- </span><span class=\"S2A0E S27D S2\" id=\"t1s_130\">(1,256,671) </span><span class=\"S2A0F S27D S2\" id=\"t1t_130\">Net position of derivative financial instruments total </span><span class=\"S2A10 S27D S2\" id=\"t1u_130\">(623,841) </span><span class=\"S2A11 S27D S2\" id=\"t1v_130\">(382,455) </span><span class=\"S2A12 S27D S2\" id=\"t1w_130\">(1,271,223) </span><span class=\"S2A13 S27D S2\" id=\"t1x_130\">(4,456) </span><span class=\"S2A14 S27D S2\" id=\"t1y_130\">- </span><span class=\"S2A15 S27D S2\" id=\"t1z_130\">(2,281,975) </span><span class=\"S2A16 S27E S2\" id=\"t20_130\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_130\">3,937,023 </span><span class=\"S2A18 S27E S2\" id=\"t22_130\">236,103 </span><span class=\"S2A19 S27E S2\" id=\"t23_130\">54,355 </span><span class=\"S2A1A S27E S2\" id=\"t24_130\">2,808 </span><span class=\"S2A1B S27E S2\" id=\"t25_130\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_130\">4,230,289 </span><span class=\"S2A1D S27E S2\" id=\"t27_130\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_130\">602,335 </span><span class=\"S2A1F S27E S2\" id=\"t29_130\">308,787 </span><span class=\"S2A20 S27E S2\" id=\"t2a_130\">337,105 </span><span class=\"S2A21 S27E S2\" id=\"t2b_130\">164,790 </span><span class=\"S2A22 S27E S2\" id=\"t2c_130\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_130\">1,413,017 </span><span class=\"S2A24 S27E S2\" id=\"t2e_130\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_130\">47,631 </span><span class=\"S2A26 S27E S2\" id=\"t2g_130\">5,733 </span><span class=\"S2A27 S27E S2\" id=\"t2h_130\">193 </span><span class=\"S2A28 S27E S2\" id=\"t2i_130\">- </span><span class=\"S2A29 S27E S2\" id=\"t2j_130\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_130\">53,557 </span><span class=\"S2A2B S27E S2\" id=\"t2l_130\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_130\">414,585 </span><span class=\"S2A2D S27E S2\" id=\"t2n_130\">5,035 </span><span class=\"S2A2E S27E S2\" id=\"t2o_130\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_130\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_130\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_130\">419,620 </span><span class=\"S2A32 S27D S2\" id=\"t2s_130\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_130\">5,001,574 </span><span class=\"S2A34 S27D S2\" id=\"t2u_130\">555,658 </span><span class=\"S2A35 S27D S2\" id=\"t2v_130\">391,653 </span><span class=\"S2A36 S27D S2\" id=\"t2w_130\">167,598 </span><span class=\"S2A37 S27D S2\" id=\"t2x_130\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_130\">6,116,483 </span><span class=\"S291A SB S2\" id=\"t5_131\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_131\">2021 </span><span class=\"S291C S27D S2\" id=\"t7_131\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_131\">months </span><span class=\"S291E S27D S2\" id=\"t9_131\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_131\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_131\">months </span><span class=\"S2A39 S27D S2\" id=\"tc_131\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_131\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_131\">year </span><span class=\"S2924 S27D S2\" id=\"tf_131\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_131\">Without </span><span class=\"S2926 S27D S2\" id=\"th_131\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_131\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_131\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_131\">2,557,092 </span><span class=\"S2A3A S27E S2\" id=\"tl_131\">51 </span><span class=\"S292B S27E S2\" id=\"tm_131\">- </span><span class=\"S292C S27E S2\" id=\"tn_131\">- </span><span class=\"S292D S27E S2\" id=\"to_131\">- </span><span class=\"S292E S27E S2\" id=\"tp_131\">2,557,143 </span><span class=\"S292F S27E S2\" id=\"tq_131\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_131\">1,314,523 </span><span class=\"S2931 S27E S2\" id=\"ts_131\">61,455 </span><span class=\"S2932 S27E S2\" id=\"tt_131\">145,180 </span><span class=\"S2A3B S27E S2\" id=\"tu_131\">67,764 </span><span class=\"S2A3C S27E S2\" id=\"tv_131\">- </span><span class=\"S2935 S27E S2\" id=\"tw_131\">1,588,922 </span><span class=\"S2A3D S27E S2\" id=\"tx_131\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_131\">61,373 </span><span class=\"S2938 S27E S2\" id=\"tz_131\">- </span><span class=\"S2939 S27E S2\" id=\"t10_131\">- </span><span class=\"S293A S27E S2\" id=\"t11_131\">- </span><span class=\"S293B S27E S2\" id=\"t12_131\">- </span><span class=\"S293C S27E S2\" id=\"t13_131\">61,373 </span><span class=\"S2A3E S27E S2\" id=\"t14_131\">Trading securities at fair value through profit or loss </span><span class=\"S2A3F S27E S2\" id=\"t15_131\">29,714 </span><span class=\"S293F S27E S2\" id=\"t16_131\">21,975 </span><span class=\"S2940 S27E S2\" id=\"t17_131\">37,345 </span><span class=\"S2941 S27E S2\" id=\"t18_131\">13,530 </span><span class=\"S2A40 S27E S2\" id=\"t19_131\">1,738 </span><span class=\"S2943 S27E S2\" id=\"t1a_131\">104,302 </span><span class=\"S2944 S27E S2\" id=\"t1b_131\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2A41 S27E S2\" id=\"t1c_131\">- </span><span class=\"S2A42 S27E S2\" id=\"t1d_131\">- </span><span class=\"S2947 S27E S2\" id=\"t1e_131\">9,769 </span><span class=\"S2948 S27E S2\" id=\"t1f_131\">19 </span><span class=\"S2949 S27E S2\" id=\"t1g_131\">43,615 </span><span class=\"S294A S27E S2\" id=\"t1h_131\">53,403 </span><span class=\"S294B S27E S2\" id=\"t1i_131\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_131\">295,977 </span><span class=\"S294D S27E S2\" id=\"t1k_131\">249,131 </span><span class=\"S2A43 S27E S2\" id=\"t1l_131\">1,114,027 </span><span class=\"S294F S27E S2\" id=\"t1m_131\">544,167 </span><span class=\"S2A44 S27E S2\" id=\"t1n_131\">40,798 </span><span class=\"S2951 S27E S2\" id=\"t1o_131\">2,244,100 </span><span class=\"S2952 S27E S2\" id=\"t1p_131\">Securities at amortized cost </span><span class=\"S2A45 S27E S2\" id=\"t1q_131\">34,190 </span><span class=\"S2954 S27E S2\" id=\"t1r_131\">482,530 </span><span class=\"S2955 S27E S2\" id=\"t1s_131\">2,146,652 </span><span class=\"S2956 S27E S2\" id=\"t1t_131\">1,202,747 </span><span class=\"S2957 S27E S2\" id=\"t1u_131\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_131\">3,866,119 </span><span class=\"S2959 S27E S2\" id=\"t1w_131\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_131\">1,827,131 </span><span class=\"S295B S27E S2\" id=\"t1y_131\">2,599,854 </span><span class=\"S295C S27E S2\" id=\"t1z_131\">5,897,202 </span><span class=\"S295D S27E S2\" id=\"t20_131\">4,742,146 </span><span class=\"S2A46 S27E S2\" id=\"t21_131\">136,975 </span><span class=\"S295F S27E S2\" id=\"t22_131\">15,203,308 </span><span class=\"S2960 S27E S2\" id=\"t23_131\">Finance lease receivable </span><span class=\"S2A47 S27E S2\" id=\"t24_131\">124,074 </span><span class=\"S2962 S27E S2\" id=\"t25_131\">307,745 </span><span class=\"S2A48 S27E S2\" id=\"t26_131\">770,154 </span><span class=\"S2964 S27E S2\" id=\"t27_131\">48,636 </span><span class=\"S2965 S27E S2\" id=\"t28_131\">- </span><span class=\"S2966 S27E S2\" id=\"t29_131\">1,250,609 </span><span class=\"S2967 S27E S2\" id=\"t2a_131\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_131\">30,164 </span><span class=\"S2969 S27E S2\" id=\"t2c_131\">31,662 </span><span class=\"S296A S27E S2\" id=\"t2d_131\">221,069 </span><span class=\"S296B S27E S2\" id=\"t2e_131\">835,014 </span><span class=\"S296C S27E S2\" id=\"t2f_131\">- </span><span class=\"S296D S27E S2\" id=\"t2g_131\">1,117,909 </span><span class=\"S296E S27E S2\" id=\"t2h_131\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_131\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_131\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_131\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_131\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_131\">79,736 </span><span class=\"S2974 S27E S2\" id=\"t2n_131\">79,736 </span><span class=\"S2975 S27E S2\" id=\"t2o_131\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_131\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_131\">130,133 </span><span class=\"S2978 S27E S2\" id=\"t2r_131\">3,244 </span><span class=\"S2979 S27E S2\" id=\"t2s_131\">6,265 </span><span class=\"S297A S27E S2\" id=\"t2t_131\">3,270 </span><span class=\"S297B S27E S2\" id=\"t2u_131\">9,804 </span><span class=\"S297C S27E S2\" id=\"t2v_131\">152,716 </span><span class=\"S297D S27D S2\" id=\"t2w_131\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_131\">6,404,371 </span><span class=\"S297F S27D S2\" id=\"t2y_131\">3,757,647 </span><span class=\"S2980 S27D S2\" id=\"t2z_131\">10,347,663 </span><span class=\"S2981 S27D S2\" id=\"t30_131\">7,457,293 </span><span class=\"S2982 S27D S2\" id=\"t31_131\">312,666 </span><span class=\"S2983 S27D S2\" id=\"t32_131\">28,279,640 </span><span class=\"S2984 S27E S2\" id=\"t33_131\">Amounts due to banks, the National Governments, </span><span class=\"S2A49 S27E S2\" id=\"t34_131\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_131\">332,330 </span><span class=\"S2987 S27E S2\" id=\"t36_131\">173,171 </span><span class=\"S2988 S27E S2\" id=\"t37_131\">704,505 </span><span class=\"S2989 S27E S2\" id=\"t38_131\">366,025 </span><span class=\"S298A S27E S2\" id=\"t39_131\">- </span><span class=\"S298B S27E S2\" id=\"t3a_131\">1,576,031 </span><span class=\"S298C S27E S2\" id=\"t3b_131\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_131\">79,045 </span><span class=\"S2A4A S27E S2\" id=\"t3d_131\">- </span><span class=\"S2A4B S27E S2\" id=\"t3e_131\">2 </span><span class=\"S2990 S27E S2\" id=\"t3f_131\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_131\">- </span><span class=\"S2A4C S27E S2\" id=\"t3h_131\">79,047 </span><span class=\"S2993 S27E S2\" id=\"t3i_131\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_131\">530 </span><span class=\"S2995 S27E S2\" id=\"t3k_131\">1,253 </span><span class=\"S2996 S27E S2\" id=\"t3l_131\">4,421 </span><span class=\"S2997 S27E S2\" id=\"t3m_131\">34,980 </span><span class=\"S2998 S27E S2\" id=\"t3n_131\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_131\">41,184 </span><span class=\"S299A S27E S2\" id=\"t3p_131\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_131\">19,593,347 </span><span class=\"S2A4D S27E S2\" id=\"t3r_131\">997,565 </span><span class=\"S299D S27E S2\" id=\"t3s_131\">336,246 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_131\">148,580 </span><span class=\"S299E S27E S2\" id=\"t3u_131\">- </span><span class=\"S299F S27E S2\" id=\"t3v_131\">21,075,738 </span><span class=\"S29A0 S27E S2\" id=\"t3w_131\">Liabilities from issued securities </span><span class=\"S2A4E S27E S2\" id=\"t3x_131\">6,702 </span><span class=\"S2A4F S27E S2\" id=\"t3y_131\">2,664 </span><span class=\"S29A3 S27E S2\" id=\"t3z_131\">303,223 </span><span class=\"S29A4 S27E S2\" id=\"t40_131\">159,139 </span><span class=\"S29A5 S27E S2\" id=\"t41_131\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_131\">471,728 </span><span class=\"S29A7 S27E S2\" id=\"t43_131\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_131\">3,060 </span><span class=\"S29A9 S27E S2\" id=\"t45_131\">9,058 </span><span class=\"S29AA S27E S2\" id=\"t46_131\">27,307 </span><span class=\"S29AB S27E S2\" id=\"t47_131\">15,530 </span><span class=\"S2A50 S27E S2\" id=\"t48_131\">- </span><span class=\"S29AD S27E S2\" id=\"t49_131\">54,955 </span><span class=\"S29AE S27E S2\" id=\"t4a_131\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_131\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_131\">465,022 </span><span class=\"S29B1 S27E S2\" id=\"t4d_131\">26,311 </span><span class=\"S29B2 S27E S2\" id=\"t4e_131\">10,312 </span><span class=\"S29B3 S27E S2\" id=\"t4f_131\">674 </span><span class=\"S29B4 S27E S2\" id=\"t4g_131\">6,235 </span><span class=\"S29B5 S27E S2\" id=\"t4h_131\">508,554 </span><span class=\"S29B6 S27E S2\" id=\"t4i_131\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_131\">2,886 </span><span class=\"S29B8 S27E S2\" id=\"t4k_131\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_131\">7,495 </span><span class=\"S29BA S27E S2\" id=\"t4m_131\">269,698 </span><span class=\"S29BB S27E S2\" id=\"t4n_131\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_131\">280,079 </span><span class=\"S29BD S27D S2\" id=\"t4p_131\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_131\">20,482,922 </span><span class=\"S29BF S27D S2\" id=\"t4r_131\">1,210,022 </span><span class=\"S29C0 S27D S2\" id=\"t4s_131\">1,393,511 </span><span class=\"S29C1 S27D S2\" id=\"t4t_131\">994,626 </span><span class=\"S29C2 S27D S2\" id=\"t4u_131\">6,235 </span><span class=\"S29C3 S27D S2\" id=\"t4v_131\">24,087,316 </span><span class=\"S29C4 S27D S2\" id=\"t4w_131\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_131\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_131\">(14,078,551) </span><span class=\"S29C7 S27D S2\" id=\"t4z_131\">2,547,625 </span><span class=\"S29C8 S27D S2\" id=\"t50_131\">8,954,152 </span><span class=\"S29C9 S27D S2\" id=\"t51_131\">6,462,667 </span><span class=\"S29CA S27D S2\" id=\"t52_131\">306,431 </span><span class=\"S29CB S27D S2\" id=\"t53_131\">4,192,324 </span><span class=\"S29CC S482 S2\" id=\"t54_131\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_131\">Without derivative financial instruments </span><span class=\"S29CE S482 S2\" id=\"t56_131\">2 </span><span class=\"S2A51 S483 S2\" id=\"t57_131\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S2A52 S483 S2\" id=\"t58_131\">demand deposits are presented in the </span><span class=\"S2A53 S1A84 S2\" id=\"t59_131\">earliest (within 3 month) period category, however based on the Management\u2019s discretion the Group has appropriate liquidity r </span><span class=\"S2A54 S483 S2\" id=\"t5a_131\">eserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5b_131\">risk. </span><span class=\"S291A SB S2\" id=\"t5_132\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_132\">2021 </span><span class=\"S29D5 S27D S2\" id=\"t7_132\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_132\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_132\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_132\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_132\">months </span><span class=\"S29DA S27D S2\" id=\"tc_132\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_132\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_132\">year </span><span class=\"S29DD S27D S2\" id=\"tf_132\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_132\">Without </span><span class=\"S29DF S27D S2\" id=\"th_132\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_132\">Total </span><span class=\"S2A55 S27E S2\" id=\"tj_132\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_132\">4,396,050 </span><span class=\"S29E3 S27E S2\" id=\"tl_132\">1,993,311 </span><span class=\"S29E4 S27E S2\" id=\"tm_132\">302,924 </span><span class=\"S29E5 S27E S2\" id=\"tn_132\">151,959 </span><span class=\"S29E6 S27E S2\" id=\"to_132\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_132\">6,844,244 </span><span class=\"S29E8 S27E S2\" id=\"tq_132\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_132\">(4,349,598) </span><span class=\"S29EA S27E S2\" id=\"ts_132\">(1,991,763) </span><span class=\"S29EB S27E S2\" id=\"tt_132\">(296,648) </span><span class=\"S29EC S27E S2\" id=\"tu_132\">(146,398) </span><span class=\"S29ED S27E S2\" id=\"tv_132\">- </span><span class=\"S2A56 S27E S2\" id=\"tw_132\">(6,784,407) </span><span class=\"S29EF S27D S2\" id=\"tx_132\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_132\">held for trading </span><span class=\"S2A57 S27D S2\" id=\"tz_132\">46,452 </span><span class=\"S2A58 S27D S2\" id=\"t10_132\">1,548 </span><span class=\"S2A59 S27D S2\" id=\"t11_132\">6,276 </span><span class=\"S2A5A S27D S2\" id=\"t12_132\">5,561 </span><span class=\"S29F5 S27D S2\" id=\"t13_132\">- </span><span class=\"S2A5B S27D S2\" id=\"t14_132\">59,837 </span><span class=\"S29F7 S27E S2\" id=\"t15_132\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_132\">designated as hedge accounting </span><span class=\"S2A5C S27E S2\" id=\"t17_132\">5,693 </span><span class=\"S2A5D S27E S2\" id=\"t18_132\">37,815 </span><span class=\"S29FB S27E S2\" id=\"t19_132\">580,489 </span><span class=\"S29FC S27E S2\" id=\"t1a_132\">16,195 </span><span class=\"S29FD S27E S2\" id=\"t1b_132\">- </span><span class=\"S2A5E S27E S2\" id=\"t1c_132\">640,192 </span><span class=\"S2A5F S27E S2\" id=\"t1d_132\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_132\">designated as hedge accounting </span><span class=\"S2A60 S27E S2\" id=\"t1f_132\">(7,765) </span><span class=\"S2A61 S27E S2\" id=\"t1g_132\">(47,374) </span><span class=\"S2A62 S27E S2\" id=\"t1h_132\">(595,938) </span><span class=\"S2A04 S27E S2\" id=\"t1i_132\">(16,417) </span><span class=\"S2A05 S27E S2\" id=\"t1j_132\">- </span><span class=\"S2A63 S27E S2\" id=\"t1k_132\">(667,494) </span><span class=\"S2A07 S27D S2\" id=\"t1l_132\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_132\">as hedge accounting </span><span class=\"S2A64 S27D S2\" id=\"t1n_132\">(2,072) </span><span class=\"S2A65 S27D S2\" id=\"t1o_132\">(9,559) </span><span class=\"S2A66 S27D S2\" id=\"t1p_132\">(15,449) </span><span class=\"S2A67 S27D S2\" id=\"t1q_132\">(222) </span><span class=\"S2A0D S27D S2\" id=\"t1r_132\">- </span><span class=\"S2A68 S27D S2\" id=\"t1s_132\">(27,302) </span><span class=\"S2A69 S27D S2\" id=\"t1t_132\">Net position of derivative financial instruments total </span><span class=\"S2A6A S27D S2\" id=\"t1u_132\">44,380 </span><span class=\"S2A6B S27D S2\" id=\"t1v_132\">(8,011) </span><span class=\"S2A6C S27D S2\" id=\"t1w_132\">(9,173) </span><span class=\"S2A6D S27D S2\" id=\"t1x_132\">5,339 </span><span class=\"S2A14 S27D S2\" id=\"t1y_132\">- </span><span class=\"S2A6E S27D S2\" id=\"t1z_132\">32,535 </span><span class=\"S2A16 S27E S2\" id=\"t20_132\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_132\">3,749,199 </span><span class=\"S2A18 S27E S2\" id=\"t22_132\">234,503 </span><span class=\"S2A19 S27E S2\" id=\"t23_132\">74,915 </span><span class=\"S2A1A S27E S2\" id=\"t24_132\">6,385 </span><span class=\"S2A1B S27E S2\" id=\"t25_132\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_132\">4,065,002 </span><span class=\"S2A1D S27E S2\" id=\"t27_132\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_132\">532,445 </span><span class=\"S2A1F S27E S2\" id=\"t29_132\">347,448 </span><span class=\"S2A20 S27E S2\" id=\"t2a_132\">307,030 </span><span class=\"S2A21 S27E S2\" id=\"t2b_132\">106,918 </span><span class=\"S2A22 S27E S2\" id=\"t2c_132\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_132\">1,293,841 </span><span class=\"S2A6F S27E S2\" id=\"t2e_132\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_132\">61,124 </span><span class=\"S2A26 S27E S2\" id=\"t2g_132\">2,937 </span><span class=\"S2A27 S27E S2\" id=\"t2h_132\">853 </span><span class=\"S2A70 S27E S2\" id=\"t2i_132\">163 </span><span class=\"S2A29 S27E S2\" id=\"t2j_132\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_132\">65,077 </span><span class=\"S2A2B S27E S2\" id=\"t2l_132\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_132\">464,341 </span><span class=\"S2A71 S27E S2\" id=\"t2n_132\">- </span><span class=\"S2A2E S27E S2\" id=\"t2o_132\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_132\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_132\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_132\">464,341 </span><span class=\"S2A32 S27D S2\" id=\"t2s_132\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_132\">4,807,109 </span><span class=\"S2A34 S27D S2\" id=\"t2u_132\">584,888 </span><span class=\"S2A35 S27D S2\" id=\"t2v_132\">382,798 </span><span class=\"S2A36 S27D S2\" id=\"t2w_132\">113,466 </span><span class=\"S2A37 S27D S2\" id=\"t2x_132\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_132\">5,888,261 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13581": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_128\">37.2. </span><span class=\"S28F2 SB S2\" id=\"t6_128\">Maturity analysis of assets, liabilities and liquidity risk </span><span class=\"S28F3 SA7 S2\" id=\"t7_128\">Liquidity risk is a measure of the extent to which the Group may be required to raise funds to meet its commitments </span><span class=\"S28F4 SA7 S2\" id=\"t8_128\">associated with financial instruments. The Group maintains its liquidity position in accordance with regulations </span><span class=\"S28F5 SA7 S2\" id=\"t9_128\">prescribed by the NBH. </span><span class=\"S28F6 SA7 S2\" id=\"ta_128\">The essential aspect of the liquidity risk management strategy is to identify all relevant systemic and idiosyncratic </span><span class=\"S28F7 SA7 S2\" id=\"tb_128\">sources of liquidity risk and to measure the probability and severity of such events. During liquidity risk </span><span class=\"S28F8 SA7 S2\" id=\"tc_128\">management the Group considers the effect of liquidity risk events caused by reasons arising in the bank business </span><span class=\"S28F9 SA7 S2\" id=\"td_128\">line (deposit withdrawal), the national economy (exchange rate shock yield curve shock) and the global financial </span><span class=\"S28FA SA7 S2\" id=\"te_128\">system (capital market shock). </span><span class=\"S77D S5B9 S2\" id=\"tf_128\">In line with the Group\u2019s risk </span><span class=\"S28FB SA7 S2\" id=\"tg_128\">management policy liquidity risks are measured and managed on multiply hierarchy </span><span class=\"S28FC SA7 S2\" id=\"th_128\">levels and applying integrated unified VaR based methodology. The basic requirement is that the Group must keep </span><span class=\"S28FD SA7 S2\" id=\"ti_128\">high quality liquidity reserves which means it can fulfill all liabilities when they fall due without material additional </span><span class=\"S28FE SA7 S2\" id=\"tj_128\">costs. </span><span class=\"S28FF SA7 S2\" id=\"tk_128\">The liquidity reserves can be divided in two parts. There are separate decentralized liquid asset portfolios at </span><span class=\"S2900 SA7 S2\" id=\"tl_128\">subsidiary level and a centralized flexible liquidity pool at a Group level. The reserves at subsidiary levels are held </span><span class=\"S2901 SA7 S2\" id=\"tm_128\">to cover the relevant shocks of the subsidiaries which may arise in local currencies (deposit withdrawal, local </span><span class=\"S2902 SA7 S2\" id=\"tn_128\">capital market shock, unexpected business expansion), while the centralized liquidity pool is held to cover the </span><span class=\"S2903 S5B9 S2\" id=\"to_128\">Bank\u2019s separate shocks (deposit</span><span class=\"S2904 SA7 S2\" id=\"tp_128\">-, yield curve- </span><span class=\"S2905 S5B9 S2\" id=\"tq_128\">and exchange rate shocks) and all group member\u2019s potential shocks </span><span class=\"SA92 SA7 S2\" id=\"tr_128\">that may arise in foreign currencies (deposit withdrawal, capital market shock). </span><span class=\"S2906 SA7 S2\" id=\"ts_128\">The recalculation of shocks is made at least quarterly while the recalibration of shock measurement models and </span><span class=\"S2907 SA7 S2\" id=\"tt_128\">review of the risk management methodology is an annual process. The monitoring of liquidity reserves for both </span><span class=\"S18BC SA7 S2\" id=\"tu_128\">centralized and decentralized liquid asset portfolio has been built into the daily reporting process. </span><span class=\"S2908 SA7 S2\" id=\"tv_128\">Due to the balance sheet adjustment process (deleveraging) experienced in the last few years, the liquidity reserves </span><span class=\"S2909 SA7 S2\" id=\"tw_128\">of the Group increased significantly while the liquidity risk exposure has decreased considerably. Currently the </span><span class=\"S290A SA7 S2\" id=\"tx_128\">(over)coverage of potential liquidity risk exposure by high quality liquid assets is high. There were no material </span><span class=\"S290B SA7 S2\" id=\"ty_128\">changes in the liquidity risk management process for the year ended 31 December 2022. </span><span class=\"S290C SA7 S2\" id=\"tz_128\">The contractual amounts disclosed in the maturity analyses are the contractual undiscounted cash-flows like gross </span><span class=\"S290D SA7 S2\" id=\"t10_128\">finance lease obligations (before deducting finance charges); prices specified in forward agreements to purchase </span><span class=\"S290E SA7 S2\" id=\"t11_128\">financial assets for cash; net amounts for pay-floating/receive-fixed interest rate swaps for which net cash-flows </span><span class=\"S290F SA7 S2\" id=\"t12_128\">are exchanged; contractual amounts to be exchanged in a derivative financial instrument for which gross cash- </span><span class=\"S2910 SA7 S2\" id=\"t13_128\">flows are exchanged; gross loan commitments. </span><span class=\"S2911 SA7 S2\" id=\"t14_128\">Such undiscounted cash-flows differ from the amount included in the Consolidated Statement of Financial Position </span><span class=\"S2912 SA7 S2\" id=\"t15_128\">because the amount in that statement is based on discounted cash-flows. When the amount payable is not fixed, </span><span class=\"S2913 SA7 S2\" id=\"t16_128\">the amount disclosed is determined by reference to the conditions existing at the end of the reporting period. For </span><span class=\"S2914 SA7 S2\" id=\"t17_128\">example, when the amount payable varies with changes in an index, the amount disclosed may be based on the </span><span class=\"S2915 SA7 S2\" id=\"t18_128\">level of the index at the end of the period. </span><span class=\"S2916 SA7 S2\" id=\"t19_128\">The following tables provide an analysis of assets and liabilities about the non-discounted cash-flow into relevant </span><span class=\"S2917 SA7 S2\" id=\"t1a_128\">maturity groupings based on the remaining period from the balance sheet date to the contractual maturity date. It </span><span class=\"S2918 SA7 S2\" id=\"t1b_128\">is presented under the most prudent consideration of maturity dates where options or repayment schedules allow </span><span class=\"S2919 SA7 S2\" id=\"t1c_128\">for early repayment possibilities. </span><span class=\"S291A SB S2\" id=\"t5_129\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_129\">2022 </span><span class=\"S291C S27D S2\" id=\"t7_129\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_129\">months </span><span class=\"S291E S27D S2\" id=\"t9_129\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_129\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_129\">months </span><span class=\"S2921 S27D S2\" id=\"tc_129\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_129\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_129\">year </span><span class=\"S2924 S27D S2\" id=\"tf_129\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_129\">Without </span><span class=\"S2926 S27D S2\" id=\"th_129\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_129\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_129\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_129\">4,223,091 </span><span class=\"S292A S27E S2\" id=\"tl_129\">4 </span><span class=\"S292B S27E S2\" id=\"tm_129\">- </span><span class=\"S292C S27E S2\" id=\"tn_129\">- </span><span class=\"S292D S27E S2\" id=\"to_129\">- </span><span class=\"S292E S27E S2\" id=\"tp_129\">4,223,095 </span><span class=\"S292F S27E S2\" id=\"tq_129\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_129\">1,062,238 </span><span class=\"S2931 S27E S2\" id=\"ts_129\">67,317 </span><span class=\"S2932 S27E S2\" id=\"tt_129\">221,803 </span><span class=\"S2933 S27E S2\" id=\"tu_129\">2,969 </span><span class=\"S2934 S27E S2\" id=\"tv_129\">806 </span><span class=\"S2935 S27E S2\" id=\"tw_129\">1,355,133 </span><span class=\"S2936 S27E S2\" id=\"tx_129\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_129\">41,250 </span><span class=\"S2938 S27E S2\" id=\"tz_129\">- </span><span class=\"S2939 S27E S2\" id=\"t10_129\">- </span><span class=\"S293A S27E S2\" id=\"t11_129\">- </span><span class=\"S293B S27E S2\" id=\"t12_129\">- </span><span class=\"S293C S27E S2\" id=\"t13_129\">41,250 </span><span class=\"S293D S27E S2\" id=\"t14_129\">Trading securities at fair value through profit or loss </span><span class=\"S293E S27E S2\" id=\"t15_129\">5,350 </span><span class=\"S293F S27E S2\" id=\"t16_129\">29,118 </span><span class=\"S2940 S27E S2\" id=\"t17_129\">67,117 </span><span class=\"S2941 S27E S2\" id=\"t18_129\">11,794 </span><span class=\"S2942 S27E S2\" id=\"t19_129\">50 </span><span class=\"S2943 S27E S2\" id=\"t1a_129\">113,429 </span><span class=\"S2944 S27E S2\" id=\"t1b_129\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2945 S27E S2\" id=\"t1c_129\">594 </span><span class=\"S2946 S27E S2\" id=\"t1d_129\">1,127 </span><span class=\"S2947 S27E S2\" id=\"t1e_129\">9,163 </span><span class=\"S2948 S27E S2\" id=\"t1f_129\">20 </span><span class=\"S2949 S27E S2\" id=\"t1g_129\">34,490 </span><span class=\"S294A S27E S2\" id=\"t1h_129\">45,394 </span><span class=\"S294B S27E S2\" id=\"t1i_129\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_129\">254,204 </span><span class=\"S294D S27E S2\" id=\"t1k_129\">301,798 </span><span class=\"S294E S27E S2\" id=\"t1l_129\">996,103 </span><span class=\"S294F S27E S2\" id=\"t1m_129\">286,950 </span><span class=\"S2950 S27E S2\" id=\"t1n_129\">131,680 </span><span class=\"S2951 S27E S2\" id=\"t1o_129\">1,970,735 </span><span class=\"S2952 S27E S2\" id=\"t1p_129\">Securities at amortized cost </span><span class=\"S2953 S27E S2\" id=\"t1q_129\">534,388 </span><span class=\"S2954 S27E S2\" id=\"t1r_129\">439,296 </span><span class=\"S2955 S27E S2\" id=\"t1s_129\">2,423,815 </span><span class=\"S2956 S27E S2\" id=\"t1t_129\">1,585,672 </span><span class=\"S2957 S27E S2\" id=\"t1u_129\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_129\">4,983,171 </span><span class=\"S2959 S27E S2\" id=\"t1w_129\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_129\">2,013,234 </span><span class=\"S295B S27E S2\" id=\"t1y_129\">3,287,432 </span><span class=\"S295C S27E S2\" id=\"t1z_129\">6,141,665 </span><span class=\"S295D S27E S2\" id=\"t20_129\">6,441,001 </span><span class=\"S295E S27E S2\" id=\"t21_129\">30,584 </span><span class=\"S295F S27E S2\" id=\"t22_129\">17,913,916 </span><span class=\"S2960 S27E S2\" id=\"t23_129\">Finance lease receivable </span><span class=\"S2961 S27E S2\" id=\"t24_129\">87,867 </span><span class=\"S2962 S27E S2\" id=\"t25_129\">215,640 </span><span class=\"S2963 S27E S2\" id=\"t26_129\">1,007,512 </span><span class=\"S2964 S27E S2\" id=\"t27_129\">83,753 </span><span class=\"S2965 S27E S2\" id=\"t28_129\">- </span><span class=\"S2966 S27E S2\" id=\"t29_129\">1,394,772 </span><span class=\"S2967 S27E S2\" id=\"t2a_129\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_129\">40,151 </span><span class=\"S2969 S27E S2\" id=\"t2c_129\">38,038 </span><span class=\"S296A S27E S2\" id=\"t2d_129\">239,627 </span><span class=\"S296B S27E S2\" id=\"t2e_129\">973,060 </span><span class=\"S296C S27E S2\" id=\"t2f_129\">- </span><span class=\"S296D S27E S2\" id=\"t2g_129\">1,290,876 </span><span class=\"S296E S27E S2\" id=\"t2h_129\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_129\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_129\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_129\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_129\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_129\">85,929 </span><span class=\"S2974 S27E S2\" id=\"t2n_129\">85,929 </span><span class=\"S2975 S27E S2\" id=\"t2o_129\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_129\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_129\">271,648 </span><span class=\"S2978 S27E S2\" id=\"t2r_129\">4,039 </span><span class=\"S2979 S27E S2\" id=\"t2s_129\">3,917 </span><span class=\"S297A S27E S2\" id=\"t2t_129\">8,485 </span><span class=\"S297B S27E S2\" id=\"t2u_129\">6,726 </span><span class=\"S297C S27E S2\" id=\"t2v_129\">294,815 </span><span class=\"S297D S27D S2\" id=\"t2w_129\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_129\">8,534,015 </span><span class=\"S297F S27D S2\" id=\"t2y_129\">4,383,809 </span><span class=\"S2980 S27D S2\" id=\"t2z_129\">11,110,722 </span><span class=\"S2981 S27D S2\" id=\"t30_129\">9,393,704 </span><span class=\"S2982 S27D S2\" id=\"t31_129\">290,265 </span><span class=\"S2983 S27D S2\" id=\"t32_129\">33,712,515 </span><span class=\"S2984 S27E S2\" id=\"t33_129\">Amounts due to banks, the National Governments, </span><span class=\"S2985 S27E S2\" id=\"t34_129\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_129\">387,564 </span><span class=\"S2987 S27E S2\" id=\"t36_129\">213,599 </span><span class=\"S2988 S27E S2\" id=\"t37_129\">665,930 </span><span class=\"S2989 S27E S2\" id=\"t38_129\">296,766 </span><span class=\"S298A S27E S2\" id=\"t39_129\">- </span><span class=\"S298B S27E S2\" id=\"t3a_129\">1,563,859 </span><span class=\"S298C S27E S2\" id=\"t3b_129\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_129\">29,153 </span><span class=\"S298E S27E S2\" id=\"t3d_129\">191 </span><span class=\"S298F S27E S2\" id=\"t3e_129\">188,025 </span><span class=\"S2990 S27E S2\" id=\"t3f_129\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_129\">- </span><span class=\"S2992 S27E S2\" id=\"t3h_129\">217,369 </span><span class=\"S2993 S27E S2\" id=\"t3i_129\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_129\">583 </span><span class=\"S2995 S27E S2\" id=\"t3k_129\">1,133 </span><span class=\"S2996 S27E S2\" id=\"t3l_129\">5,535 </span><span class=\"S2997 S27E S2\" id=\"t3m_129\">50,218 </span><span class=\"S2998 S27E S2\" id=\"t3n_129\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_129\">57,469 </span><span class=\"S299A S27E S2\" id=\"t3p_129\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_129\">23,399,285 </span><span class=\"S299C S27E S2\" id=\"t3r_129\">1,275,142 </span><span class=\"S299D S27E S2\" id=\"t3s_129\">398,900 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_129\">123,290 </span><span class=\"S299E S27E S2\" id=\"t3u_129\">- </span><span class=\"S299F S27E S2\" id=\"t3v_129\">25,196,617 </span><span class=\"S29A0 S27E S2\" id=\"t3w_129\">Liabilities from issued securities </span><span class=\"S29A1 S27E S2\" id=\"t3x_129\">10,644 </span><span class=\"S29A2 S27E S2\" id=\"t3y_129\">44,375 </span><span class=\"S29A3 S27E S2\" id=\"t3z_129\">730,703 </span><span class=\"S29A4 S27E S2\" id=\"t40_129\">173,510 </span><span class=\"S29A5 S27E S2\" id=\"t41_129\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_129\">959,232 </span><span class=\"S29A7 S27E S2\" id=\"t43_129\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_129\">4,720 </span><span class=\"S29A9 S27E S2\" id=\"t45_129\">9,616 </span><span class=\"S29AA S27E S2\" id=\"t46_129\">33,534 </span><span class=\"S29AB S27E S2\" id=\"t47_129\">18,397 </span><span class=\"S29AC S27E S2\" id=\"t48_129\">72 </span><span class=\"S29AD S27E S2\" id=\"t49_129\">66,339 </span><span class=\"S29AE S27E S2\" id=\"t4a_129\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_129\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_129\">550,802 </span><span class=\"S29B1 S27E S2\" id=\"t4d_129\">34,748 </span><span class=\"S29B2 S27E S2\" id=\"t4e_129\">11,065 </span><span class=\"S29B3 S27E S2\" id=\"t4f_129\">817 </span><span class=\"S29B4 S27E S2\" id=\"t4g_129\">4,231 </span><span class=\"S29B5 S27E S2\" id=\"t4h_129\">601,663 </span><span class=\"S29B6 S27E S2\" id=\"t4i_129\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_129\">3,395 </span><span class=\"S29B8 S27E S2\" id=\"t4k_129\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_129\">8,603 </span><span class=\"S29BA S27E S2\" id=\"t4m_129\">291,801 </span><span class=\"S29BB S27E S2\" id=\"t4n_129\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_129\">303,799 </span><span class=\"S29BD S27D S2\" id=\"t4p_129\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_129\">24,386,146 </span><span class=\"S29BF S27D S2\" id=\"t4r_129\">1,578,804 </span><span class=\"S29C0 S27D S2\" id=\"t4s_129\">2,042,295 </span><span class=\"S29C1 S27D S2\" id=\"t4t_129\">954,799 </span><span class=\"S29C2 S27D S2\" id=\"t4u_129\">4,303 </span><span class=\"S29C3 S27D S2\" id=\"t4v_129\">28,966,347 </span><span class=\"S29C4 S27D S2\" id=\"t4w_129\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_129\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_129\">(15,852,131) </span><span class=\"S29C7 S27D S2\" id=\"t4z_129\">2,805,005 </span><span class=\"S29C8 S27D S2\" id=\"t50_129\">9,068,427 </span><span class=\"S29C9 S27D S2\" id=\"t51_129\">8,438,905 </span><span class=\"S29CA S27D S2\" id=\"t52_129\">285,962 </span><span class=\"S29CB S27D S2\" id=\"t53_129\">4,746,168 </span><span class=\"S29CC S482 S2\" id=\"t54_129\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_129\">Without derivative financial instruments. </span><span class=\"S29CE S482 S2\" id=\"t56_129\">2 </span><span class=\"S29CF S483 S2\" id=\"t57_129\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S29D0 S1A84 S2\" id=\"t58_129\">demand deposits are presented in the earliest (within 3 month) period category, however based on the Management\u2019s discretion </span><span class=\"S29D1 S483 S2\" id=\"t59_129\">the Group has appropriate liquidity reserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5a_129\">risk. </span><span class=\"S291A SB S2\" id=\"t5_130\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_130\">2022 </span><span class=\"S29D5 S27D S2\" id=\"t7_130\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_130\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_130\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_130\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_130\">months </span><span class=\"S29DA S27D S2\" id=\"tc_130\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_130\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_130\">year </span><span class=\"S29DD S27D S2\" id=\"tf_130\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_130\">Without </span><span class=\"S29DF S27D S2\" id=\"th_130\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_130\">Total </span><span class=\"S29E1 S27E S2\" id=\"tj_130\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_130\">7,242,836 </span><span class=\"S29E3 S27E S2\" id=\"tl_130\">1,270,841 </span><span class=\"S29E4 S27E S2\" id=\"tm_130\">476,343 </span><span class=\"S29E5 S27E S2\" id=\"tn_130\">186,089 </span><span class=\"S29E6 S27E S2\" id=\"to_130\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_130\">9,176,109 </span><span class=\"S29E8 S27E S2\" id=\"tq_130\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_130\">(7,885,403) </span><span class=\"S29EA S27E S2\" id=\"ts_130\">(1,623,033) </span><span class=\"S29EB S27E S2\" id=\"tt_130\">(499,998) </span><span class=\"S29EC S27E S2\" id=\"tu_130\">(192,979) </span><span class=\"S29ED S27E S2\" id=\"tv_130\">- </span><span class=\"S29EE S27E S2\" id=\"tw_130\">(10,201,413) </span><span class=\"S29EF S27D S2\" id=\"tx_130\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_130\">held for trading </span><span class=\"S29F1 S27D S2\" id=\"tz_130\">(642,567) </span><span class=\"S29F2 S27D S2\" id=\"t10_130\">(352,192) </span><span class=\"S29F3 S27D S2\" id=\"t11_130\">(23,655) </span><span class=\"S29F4 S27D S2\" id=\"t12_130\">(6,890) </span><span class=\"S29F5 S27D S2\" id=\"t13_130\">- </span><span class=\"S29F6 S27D S2\" id=\"t14_130\">(1,025,304) </span><span class=\"S29F7 S27E S2\" id=\"t15_130\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_130\">designated as hedge accounting </span><span class=\"S29F9 S27E S2\" id=\"t17_130\">316,440 </span><span class=\"S29FA S27E S2\" id=\"t18_130\">186,839 </span><span class=\"S29FB S27E S2\" id=\"t19_130\">784,159 </span><span class=\"S29FC S27E S2\" id=\"t1a_130\">15,859 </span><span class=\"S29FD S27E S2\" id=\"t1b_130\">- </span><span class=\"S29FE S27E S2\" id=\"t1c_130\">1,303,297 </span><span class=\"S29FF S27E S2\" id=\"t1d_130\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_130\">designated as hedge accounting </span><span class=\"S2A01 S27E S2\" id=\"t1f_130\">(297,714) </span><span class=\"S2A02 S27E S2\" id=\"t1g_130\">(217,102) </span><span class=\"S2A03 S27E S2\" id=\"t1h_130\">(2,031,727) </span><span class=\"S2A04 S27E S2\" id=\"t1i_130\">(13,425) </span><span class=\"S2A05 S27E S2\" id=\"t1j_130\">- </span><span class=\"S2A06 S27E S2\" id=\"t1k_130\">(2,559,968) </span><span class=\"S2A07 S27D S2\" id=\"t1l_130\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_130\">as hedge accounting </span><span class=\"S2A09 S27D S2\" id=\"t1n_130\">18,726 </span><span class=\"S2A0A S27D S2\" id=\"t1o_130\">(30,263) </span><span class=\"S2A0B S27D S2\" id=\"t1p_130\">(1,247,568) </span><span class=\"S2A0C S27D S2\" id=\"t1q_130\">2,434 </span><span class=\"S2A0D S27D S2\" id=\"t1r_130\">- </span><span class=\"S2A0E S27D S2\" id=\"t1s_130\">(1,256,671) </span><span class=\"S2A0F S27D S2\" id=\"t1t_130\">Net position of derivative financial instruments total </span><span class=\"S2A10 S27D S2\" id=\"t1u_130\">(623,841) </span><span class=\"S2A11 S27D S2\" id=\"t1v_130\">(382,455) </span><span class=\"S2A12 S27D S2\" id=\"t1w_130\">(1,271,223) </span><span class=\"S2A13 S27D S2\" id=\"t1x_130\">(4,456) </span><span class=\"S2A14 S27D S2\" id=\"t1y_130\">- </span><span class=\"S2A15 S27D S2\" id=\"t1z_130\">(2,281,975) </span><span class=\"S2A16 S27E S2\" id=\"t20_130\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_130\">3,937,023 </span><span class=\"S2A18 S27E S2\" id=\"t22_130\">236,103 </span><span class=\"S2A19 S27E S2\" id=\"t23_130\">54,355 </span><span class=\"S2A1A S27E S2\" id=\"t24_130\">2,808 </span><span class=\"S2A1B S27E S2\" id=\"t25_130\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_130\">4,230,289 </span><span class=\"S2A1D S27E S2\" id=\"t27_130\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_130\">602,335 </span><span class=\"S2A1F S27E S2\" id=\"t29_130\">308,787 </span><span class=\"S2A20 S27E S2\" id=\"t2a_130\">337,105 </span><span class=\"S2A21 S27E S2\" id=\"t2b_130\">164,790 </span><span class=\"S2A22 S27E S2\" id=\"t2c_130\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_130\">1,413,017 </span><span class=\"S2A24 S27E S2\" id=\"t2e_130\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_130\">47,631 </span><span class=\"S2A26 S27E S2\" id=\"t2g_130\">5,733 </span><span class=\"S2A27 S27E S2\" id=\"t2h_130\">193 </span><span class=\"S2A28 S27E S2\" id=\"t2i_130\">- </span><span class=\"S2A29 S27E S2\" id=\"t2j_130\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_130\">53,557 </span><span class=\"S2A2B S27E S2\" id=\"t2l_130\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_130\">414,585 </span><span class=\"S2A2D S27E S2\" id=\"t2n_130\">5,035 </span><span class=\"S2A2E S27E S2\" id=\"t2o_130\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_130\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_130\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_130\">419,620 </span><span class=\"S2A32 S27D S2\" id=\"t2s_130\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_130\">5,001,574 </span><span class=\"S2A34 S27D S2\" id=\"t2u_130\">555,658 </span><span class=\"S2A35 S27D S2\" id=\"t2v_130\">391,653 </span><span class=\"S2A36 S27D S2\" id=\"t2w_130\">167,598 </span><span class=\"S2A37 S27D S2\" id=\"t2x_130\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_130\">6,116,483 </span><span class=\"S291A SB S2\" id=\"t5_131\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_131\">2021 </span><span class=\"S291C S27D S2\" id=\"t7_131\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_131\">months </span><span class=\"S291E S27D S2\" id=\"t9_131\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_131\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_131\">months </span><span class=\"S2A39 S27D S2\" id=\"tc_131\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_131\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_131\">year </span><span class=\"S2924 S27D S2\" id=\"tf_131\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_131\">Without </span><span class=\"S2926 S27D S2\" id=\"th_131\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_131\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_131\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_131\">2,557,092 </span><span class=\"S2A3A S27E S2\" id=\"tl_131\">51 </span><span class=\"S292B S27E S2\" id=\"tm_131\">- </span><span class=\"S292C S27E S2\" id=\"tn_131\">- </span><span class=\"S292D S27E S2\" id=\"to_131\">- </span><span class=\"S292E S27E S2\" id=\"tp_131\">2,557,143 </span><span class=\"S292F S27E S2\" id=\"tq_131\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_131\">1,314,523 </span><span class=\"S2931 S27E S2\" id=\"ts_131\">61,455 </span><span class=\"S2932 S27E S2\" id=\"tt_131\">145,180 </span><span class=\"S2A3B S27E S2\" id=\"tu_131\">67,764 </span><span class=\"S2A3C S27E S2\" id=\"tv_131\">- </span><span class=\"S2935 S27E S2\" id=\"tw_131\">1,588,922 </span><span class=\"S2A3D S27E S2\" id=\"tx_131\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_131\">61,373 </span><span class=\"S2938 S27E S2\" id=\"tz_131\">- </span><span class=\"S2939 S27E S2\" id=\"t10_131\">- </span><span class=\"S293A S27E S2\" id=\"t11_131\">- </span><span class=\"S293B S27E S2\" id=\"t12_131\">- </span><span class=\"S293C S27E S2\" id=\"t13_131\">61,373 </span><span class=\"S2A3E S27E S2\" id=\"t14_131\">Trading securities at fair value through profit or loss </span><span class=\"S2A3F S27E S2\" id=\"t15_131\">29,714 </span><span class=\"S293F S27E S2\" id=\"t16_131\">21,975 </span><span class=\"S2940 S27E S2\" id=\"t17_131\">37,345 </span><span class=\"S2941 S27E S2\" id=\"t18_131\">13,530 </span><span class=\"S2A40 S27E S2\" id=\"t19_131\">1,738 </span><span class=\"S2943 S27E S2\" id=\"t1a_131\">104,302 </span><span class=\"S2944 S27E S2\" id=\"t1b_131\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2A41 S27E S2\" id=\"t1c_131\">- </span><span class=\"S2A42 S27E S2\" id=\"t1d_131\">- </span><span class=\"S2947 S27E S2\" id=\"t1e_131\">9,769 </span><span class=\"S2948 S27E S2\" id=\"t1f_131\">19 </span><span class=\"S2949 S27E S2\" id=\"t1g_131\">43,615 </span><span class=\"S294A S27E S2\" id=\"t1h_131\">53,403 </span><span class=\"S294B S27E S2\" id=\"t1i_131\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_131\">295,977 </span><span class=\"S294D S27E S2\" id=\"t1k_131\">249,131 </span><span class=\"S2A43 S27E S2\" id=\"t1l_131\">1,114,027 </span><span class=\"S294F S27E S2\" id=\"t1m_131\">544,167 </span><span class=\"S2A44 S27E S2\" id=\"t1n_131\">40,798 </span><span class=\"S2951 S27E S2\" id=\"t1o_131\">2,244,100 </span><span class=\"S2952 S27E S2\" id=\"t1p_131\">Securities at amortized cost </span><span class=\"S2A45 S27E S2\" id=\"t1q_131\">34,190 </span><span class=\"S2954 S27E S2\" id=\"t1r_131\">482,530 </span><span class=\"S2955 S27E S2\" id=\"t1s_131\">2,146,652 </span><span class=\"S2956 S27E S2\" id=\"t1t_131\">1,202,747 </span><span class=\"S2957 S27E S2\" id=\"t1u_131\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_131\">3,866,119 </span><span class=\"S2959 S27E S2\" id=\"t1w_131\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_131\">1,827,131 </span><span class=\"S295B S27E S2\" id=\"t1y_131\">2,599,854 </span><span class=\"S295C S27E S2\" id=\"t1z_131\">5,897,202 </span><span class=\"S295D S27E S2\" id=\"t20_131\">4,742,146 </span><span class=\"S2A46 S27E S2\" id=\"t21_131\">136,975 </span><span class=\"S295F S27E S2\" id=\"t22_131\">15,203,308 </span><span class=\"S2960 S27E S2\" id=\"t23_131\">Finance lease receivable </span><span class=\"S2A47 S27E S2\" id=\"t24_131\">124,074 </span><span class=\"S2962 S27E S2\" id=\"t25_131\">307,745 </span><span class=\"S2A48 S27E S2\" id=\"t26_131\">770,154 </span><span class=\"S2964 S27E S2\" id=\"t27_131\">48,636 </span><span class=\"S2965 S27E S2\" id=\"t28_131\">- </span><span class=\"S2966 S27E S2\" id=\"t29_131\">1,250,609 </span><span class=\"S2967 S27E S2\" id=\"t2a_131\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_131\">30,164 </span><span class=\"S2969 S27E S2\" id=\"t2c_131\">31,662 </span><span class=\"S296A S27E S2\" id=\"t2d_131\">221,069 </span><span class=\"S296B S27E S2\" id=\"t2e_131\">835,014 </span><span class=\"S296C S27E S2\" id=\"t2f_131\">- </span><span class=\"S296D S27E S2\" id=\"t2g_131\">1,117,909 </span><span class=\"S296E S27E S2\" id=\"t2h_131\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_131\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_131\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_131\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_131\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_131\">79,736 </span><span class=\"S2974 S27E S2\" id=\"t2n_131\">79,736 </span><span class=\"S2975 S27E S2\" id=\"t2o_131\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_131\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_131\">130,133 </span><span class=\"S2978 S27E S2\" id=\"t2r_131\">3,244 </span><span class=\"S2979 S27E S2\" id=\"t2s_131\">6,265 </span><span class=\"S297A S27E S2\" id=\"t2t_131\">3,270 </span><span class=\"S297B S27E S2\" id=\"t2u_131\">9,804 </span><span class=\"S297C S27E S2\" id=\"t2v_131\">152,716 </span><span class=\"S297D S27D S2\" id=\"t2w_131\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_131\">6,404,371 </span><span class=\"S297F S27D S2\" id=\"t2y_131\">3,757,647 </span><span class=\"S2980 S27D S2\" id=\"t2z_131\">10,347,663 </span><span class=\"S2981 S27D S2\" id=\"t30_131\">7,457,293 </span><span class=\"S2982 S27D S2\" id=\"t31_131\">312,666 </span><span class=\"S2983 S27D S2\" id=\"t32_131\">28,279,640 </span><span class=\"S2984 S27E S2\" id=\"t33_131\">Amounts due to banks, the National Governments, </span><span class=\"S2A49 S27E S2\" id=\"t34_131\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_131\">332,330 </span><span class=\"S2987 S27E S2\" id=\"t36_131\">173,171 </span><span class=\"S2988 S27E S2\" id=\"t37_131\">704,505 </span><span class=\"S2989 S27E S2\" id=\"t38_131\">366,025 </span><span class=\"S298A S27E S2\" id=\"t39_131\">- </span><span class=\"S298B S27E S2\" id=\"t3a_131\">1,576,031 </span><span class=\"S298C S27E S2\" id=\"t3b_131\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_131\">79,045 </span><span class=\"S2A4A S27E S2\" id=\"t3d_131\">- </span><span class=\"S2A4B S27E S2\" id=\"t3e_131\">2 </span><span class=\"S2990 S27E S2\" id=\"t3f_131\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_131\">- </span><span class=\"S2A4C S27E S2\" id=\"t3h_131\">79,047 </span><span class=\"S2993 S27E S2\" id=\"t3i_131\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_131\">530 </span><span class=\"S2995 S27E S2\" id=\"t3k_131\">1,253 </span><span class=\"S2996 S27E S2\" id=\"t3l_131\">4,421 </span><span class=\"S2997 S27E S2\" id=\"t3m_131\">34,980 </span><span class=\"S2998 S27E S2\" id=\"t3n_131\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_131\">41,184 </span><span class=\"S299A S27E S2\" id=\"t3p_131\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_131\">19,593,347 </span><span class=\"S2A4D S27E S2\" id=\"t3r_131\">997,565 </span><span class=\"S299D S27E S2\" id=\"t3s_131\">336,246 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_131\">148,580 </span><span class=\"S299E S27E S2\" id=\"t3u_131\">- </span><span class=\"S299F S27E S2\" id=\"t3v_131\">21,075,738 </span><span class=\"S29A0 S27E S2\" id=\"t3w_131\">Liabilities from issued securities </span><span class=\"S2A4E S27E S2\" id=\"t3x_131\">6,702 </span><span class=\"S2A4F S27E S2\" id=\"t3y_131\">2,664 </span><span class=\"S29A3 S27E S2\" id=\"t3z_131\">303,223 </span><span class=\"S29A4 S27E S2\" id=\"t40_131\">159,139 </span><span class=\"S29A5 S27E S2\" id=\"t41_131\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_131\">471,728 </span><span class=\"S29A7 S27E S2\" id=\"t43_131\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_131\">3,060 </span><span class=\"S29A9 S27E S2\" id=\"t45_131\">9,058 </span><span class=\"S29AA S27E S2\" id=\"t46_131\">27,307 </span><span class=\"S29AB S27E S2\" id=\"t47_131\">15,530 </span><span class=\"S2A50 S27E S2\" id=\"t48_131\">- </span><span class=\"S29AD S27E S2\" id=\"t49_131\">54,955 </span><span class=\"S29AE S27E S2\" id=\"t4a_131\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_131\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_131\">465,022 </span><span class=\"S29B1 S27E S2\" id=\"t4d_131\">26,311 </span><span class=\"S29B2 S27E S2\" id=\"t4e_131\">10,312 </span><span class=\"S29B3 S27E S2\" id=\"t4f_131\">674 </span><span class=\"S29B4 S27E S2\" id=\"t4g_131\">6,235 </span><span class=\"S29B5 S27E S2\" id=\"t4h_131\">508,554 </span><span class=\"S29B6 S27E S2\" id=\"t4i_131\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_131\">2,886 </span><span class=\"S29B8 S27E S2\" id=\"t4k_131\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_131\">7,495 </span><span class=\"S29BA S27E S2\" id=\"t4m_131\">269,698 </span><span class=\"S29BB S27E S2\" id=\"t4n_131\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_131\">280,079 </span><span class=\"S29BD S27D S2\" id=\"t4p_131\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_131\">20,482,922 </span><span class=\"S29BF S27D S2\" id=\"t4r_131\">1,210,022 </span><span class=\"S29C0 S27D S2\" id=\"t4s_131\">1,393,511 </span><span class=\"S29C1 S27D S2\" id=\"t4t_131\">994,626 </span><span class=\"S29C2 S27D S2\" id=\"t4u_131\">6,235 </span><span class=\"S29C3 S27D S2\" id=\"t4v_131\">24,087,316 </span><span class=\"S29C4 S27D S2\" id=\"t4w_131\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_131\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_131\">(14,078,551) </span><span class=\"S29C7 S27D S2\" id=\"t4z_131\">2,547,625 </span><span class=\"S29C8 S27D S2\" id=\"t50_131\">8,954,152 </span><span class=\"S29C9 S27D S2\" id=\"t51_131\">6,462,667 </span><span class=\"S29CA S27D S2\" id=\"t52_131\">306,431 </span><span class=\"S29CB S27D S2\" id=\"t53_131\">4,192,324 </span><span class=\"S29CC S482 S2\" id=\"t54_131\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_131\">Without derivative financial instruments </span><span class=\"S29CE S482 S2\" id=\"t56_131\">2 </span><span class=\"S2A51 S483 S2\" id=\"t57_131\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S2A52 S483 S2\" id=\"t58_131\">demand deposits are presented in the </span><span class=\"S2A53 S1A84 S2\" id=\"t59_131\">earliest (within 3 month) period category, however based on the Management\u2019s discretion the Group has appropriate liquidity r </span><span class=\"S2A54 S483 S2\" id=\"t5a_131\">eserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5b_131\">risk. </span><span class=\"S291A SB S2\" id=\"t5_132\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_132\">2021 </span><span class=\"S29D5 S27D S2\" id=\"t7_132\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_132\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_132\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_132\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_132\">months </span><span class=\"S29DA S27D S2\" id=\"tc_132\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_132\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_132\">year </span><span class=\"S29DD S27D S2\" id=\"tf_132\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_132\">Without </span><span class=\"S29DF S27D S2\" id=\"th_132\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_132\">Total </span><span class=\"S2A55 S27E S2\" id=\"tj_132\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_132\">4,396,050 </span><span class=\"S29E3 S27E S2\" id=\"tl_132\">1,993,311 </span><span class=\"S29E4 S27E S2\" id=\"tm_132\">302,924 </span><span class=\"S29E5 S27E S2\" id=\"tn_132\">151,959 </span><span class=\"S29E6 S27E S2\" id=\"to_132\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_132\">6,844,244 </span><span class=\"S29E8 S27E S2\" id=\"tq_132\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_132\">(4,349,598) </span><span class=\"S29EA S27E S2\" id=\"ts_132\">(1,991,763) </span><span class=\"S29EB S27E S2\" id=\"tt_132\">(296,648) </span><span class=\"S29EC S27E S2\" id=\"tu_132\">(146,398) </span><span class=\"S29ED S27E S2\" id=\"tv_132\">- </span><span class=\"S2A56 S27E S2\" id=\"tw_132\">(6,784,407) </span><span class=\"S29EF S27D S2\" id=\"tx_132\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_132\">held for trading </span><span class=\"S2A57 S27D S2\" id=\"tz_132\">46,452 </span><span class=\"S2A58 S27D S2\" id=\"t10_132\">1,548 </span><span class=\"S2A59 S27D S2\" id=\"t11_132\">6,276 </span><span class=\"S2A5A S27D S2\" id=\"t12_132\">5,561 </span><span class=\"S29F5 S27D S2\" id=\"t13_132\">- </span><span class=\"S2A5B S27D S2\" id=\"t14_132\">59,837 </span><span class=\"S29F7 S27E S2\" id=\"t15_132\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_132\">designated as hedge accounting </span><span class=\"S2A5C S27E S2\" id=\"t17_132\">5,693 </span><span class=\"S2A5D S27E S2\" id=\"t18_132\">37,815 </span><span class=\"S29FB S27E S2\" id=\"t19_132\">580,489 </span><span class=\"S29FC S27E S2\" id=\"t1a_132\">16,195 </span><span class=\"S29FD S27E S2\" id=\"t1b_132\">- </span><span class=\"S2A5E S27E S2\" id=\"t1c_132\">640,192 </span><span class=\"S2A5F S27E S2\" id=\"t1d_132\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_132\">designated as hedge accounting </span><span class=\"S2A60 S27E S2\" id=\"t1f_132\">(7,765) </span><span class=\"S2A61 S27E S2\" id=\"t1g_132\">(47,374) </span><span class=\"S2A62 S27E S2\" id=\"t1h_132\">(595,938) </span><span class=\"S2A04 S27E S2\" id=\"t1i_132\">(16,417) </span><span class=\"S2A05 S27E S2\" id=\"t1j_132\">- </span><span class=\"S2A63 S27E S2\" id=\"t1k_132\">(667,494) </span><span class=\"S2A07 S27D S2\" id=\"t1l_132\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_132\">as hedge accounting </span><span class=\"S2A64 S27D S2\" id=\"t1n_132\">(2,072) </span><span class=\"S2A65 S27D S2\" id=\"t1o_132\">(9,559) </span><span class=\"S2A66 S27D S2\" id=\"t1p_132\">(15,449) </span><span class=\"S2A67 S27D S2\" id=\"t1q_132\">(222) </span><span class=\"S2A0D S27D S2\" id=\"t1r_132\">- </span><span class=\"S2A68 S27D S2\" id=\"t1s_132\">(27,302) </span><span class=\"S2A69 S27D S2\" id=\"t1t_132\">Net position of derivative financial instruments total </span><span class=\"S2A6A S27D S2\" id=\"t1u_132\">44,380 </span><span class=\"S2A6B S27D S2\" id=\"t1v_132\">(8,011) </span><span class=\"S2A6C S27D S2\" id=\"t1w_132\">(9,173) </span><span class=\"S2A6D S27D S2\" id=\"t1x_132\">5,339 </span><span class=\"S2A14 S27D S2\" id=\"t1y_132\">- </span><span class=\"S2A6E S27D S2\" id=\"t1z_132\">32,535 </span><span class=\"S2A16 S27E S2\" id=\"t20_132\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_132\">3,749,199 </span><span class=\"S2A18 S27E S2\" id=\"t22_132\">234,503 </span><span class=\"S2A19 S27E S2\" id=\"t23_132\">74,915 </span><span class=\"S2A1A S27E S2\" id=\"t24_132\">6,385 </span><span class=\"S2A1B S27E S2\" id=\"t25_132\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_132\">4,065,002 </span><span class=\"S2A1D S27E S2\" id=\"t27_132\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_132\">532,445 </span><span class=\"S2A1F S27E S2\" id=\"t29_132\">347,448 </span><span class=\"S2A20 S27E S2\" id=\"t2a_132\">307,030 </span><span class=\"S2A21 S27E S2\" id=\"t2b_132\">106,918 </span><span class=\"S2A22 S27E S2\" id=\"t2c_132\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_132\">1,293,841 </span><span class=\"S2A6F S27E S2\" id=\"t2e_132\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_132\">61,124 </span><span class=\"S2A26 S27E S2\" id=\"t2g_132\">2,937 </span><span class=\"S2A27 S27E S2\" id=\"t2h_132\">853 </span><span class=\"S2A70 S27E S2\" id=\"t2i_132\">163 </span><span class=\"S2A29 S27E S2\" id=\"t2j_132\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_132\">65,077 </span><span class=\"S2A2B S27E S2\" id=\"t2l_132\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_132\">464,341 </span><span class=\"S2A71 S27E S2\" id=\"t2n_132\">- </span><span class=\"S2A2E S27E S2\" id=\"t2o_132\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_132\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_132\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_132\">464,341 </span><span class=\"S2A32 S27D S2\" id=\"t2s_132\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_132\">4,807,109 </span><span class=\"S2A34 S27D S2\" id=\"t2u_132\">584,888 </span><span class=\"S2A35 S27D S2\" id=\"t2v_132\">382,798 </span><span class=\"S2A36 S27D S2\" id=\"t2w_132\">113,466 </span><span class=\"S2A37 S27D S2\" id=\"t2x_132\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_132\">5,888,261 </span><span class=\"SFA4 SB S2\" id=\"t3_150\">NOTE 39: </span><span class=\"S584 SB S2\" id=\"t4_150\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S3406 SB S2\" id=\"t5_150\">HUF mn) </span><span class=\"S3407 SA7 S2\" id=\"t6_150\">In the normal course of business, the Group becomes a party to various financial transactions that are not reflected </span><span class=\"S3408 SA7 S2\" id=\"t7_150\">on the Consolidated statement of financial position and are referred to as off-balance sheet financial instruments. </span><span class=\"S3409 SA7 S2\" id=\"t8_150\">The following represent notional amounts of these off-balance sheet financial instruments, unless stated otherwise. </span><span class=\"S340A SB S2\" id=\"t9_150\">Contingent liabilities </span><span class=\"SF38 SB S2\" id=\"ta_150\">2022 </span><span class=\"SF39 SB S2\" id=\"tb_150\">2021 </span><span class=\"S340B SA7 S2\" id=\"tc_150\">Commitments to extend credit </span><span class=\"S340C SA7 S2\" id=\"td_150\">4,230,289 </span><span class=\"S340D SA7 S2\" id=\"te_150\">4,065,002 </span><span class=\"S340E SA7 S2\" id=\"tf_150\">Guarantees arising from banking activities </span><span class=\"S340F SA7 S2\" id=\"tg_150\">1,413,017 </span><span class=\"S3410 SA7 S2\" id=\"th_150\">1,293,841 </span><span class=\"SF41 SA7 S2\" id=\"ti_150\">Factoring loan commitment </span><span class=\"SF92 SA7 S2\" id=\"tj_150\">419,620 </span><span class=\"SF93 SA7 S2\" id=\"tk_150\">464,341 </span><span class=\"S3411 SA7 S2\" id=\"tl_150\">Confirmed letters of credit </span><span class=\"S3412 SA7 S2\" id=\"tm_150\">53,557 </span><span class=\"S3413 SA7 S2\" id=\"tn_150\">65,077 </span><span class=\"S3414 SA7 S2\" id=\"to_150\">Other </span><span class=\"S18CE SA7 S2\" id=\"tp_150\">144,893 </span><span class=\"SF97 SA7 S2\" id=\"tq_150\">27,997 </span><span class=\"S3415 SB S2\" id=\"tr_150\">Contingent liabilities and commitments total </span><span class=\"S3416 SB S2\" id=\"ts_150\">in accordance with IFRS 9 </span><span class=\"SF9B SB S2\" id=\"tt_150\">6,261,376 </span><span class=\"SF9C SB S2\" id=\"tu_150\">5,916,258 </span><span class=\"S3417 SA7 S2\" id=\"tv_150\">Legal disputes (disputed value) </span><span class=\"SF9E SA7 S2\" id=\"tw_150\">86,137 </span><span class=\"SF9F SA7 S2\" id=\"tx_150\">75,453 </span><span class=\"SF50 SA7 S2\" id=\"ty_150\">Underwriting guarantees </span><span class=\"S3418 SA7 S2\" id=\"tz_150\">1,397 </span><span class=\"S3419 SA7 S2\" id=\"t10_150\">- </span><span class=\"S341A SA7 S2\" id=\"t11_150\">Other </span><span class=\"S1835 SA7 S2\" id=\"t12_150\">5,393 </span><span class=\"S1836 SA7 S2\" id=\"t13_150\">5,410 </span><span class=\"S341B SB S2\" id=\"t14_150\">Contingent liabilities and commitments </span><span class=\"S341C SB S2\" id=\"t15_150\">total in accordance with IAS 37 </span><span class=\"S341D SB S2\" id=\"t16_150\">92,927 </span><span class=\"S341E SB S2\" id=\"t17_150\">80,863 </span><span class=\"S341F SB S2\" id=\"t18_150\">Total </span><span class=\"S3420 SB S2\" id=\"t19_150\">6,354,303 </span><span class=\"S3421 SB S2\" id=\"t1a_150\">5,997,121 </span><span class=\"S3422 SB S2\" id=\"t1b_150\">Legal disputes </span><span class=\"S3423 SA7 S2\" id=\"t1c_150\">At the balance sheet date, the Group was involved in various claims and legal proceedings of a nature considered </span><span class=\"S3424 SA7 S2\" id=\"t1d_150\">normal to its business. The amount of these claims and legal proceedings corresponds to the amount of claims and </span><span class=\"S3425 SA7 S2\" id=\"t1e_150\">legal proceedings in previous years. </span><span class=\"S3426 SA7 S2\" id=\"t1f_150\">The Group believes that the various asserted claims and litigations in which it is involved will not materially affect </span><span class=\"S3427 SA7 S2\" id=\"t1g_150\">its financial position, future operating results or cash-flows, although no assurance can be given with respect to </span><span class=\"S3428 SA7 S2\" id=\"t1h_150\">the ultimate outcome of any such claim or litigation. Provisions due to legal disputes were HUF 37,043 million as </span><span class=\"S3429 SA7 S2\" id=\"t1i_150\">at 31 December 2022 and HUF 35,354 million as at 31 December 2021, respectively. (See Note 24.) </span><span class=\"S342A SB S2\" id=\"t1j_150\">Commitments to extend credit, guarantees and letters of credit </span><span class=\"S342B SA7 S2\" id=\"t1k_150\">The primary purpose of these instruments is to ensure that funds are available to a customer as required. Guarantees </span><span class=\"S342C SA7 S2\" id=\"t1l_150\">and standby letters of credit, which represent irrevocable assurances that the Group will make payments in the </span><span class=\"S342D SA7 S2\" id=\"t1m_150\">event that a customer cannot meet its obligations to third parties, carry the same credit risk as loans. </span><span class=\"S342E SA7 S2\" id=\"t1n_150\">Documentary and commercial letters of credit, which are written undertakings by the Group on behalf of a </span><span class=\"S342F SA7 S2\" id=\"t1o_150\">customer authorising a third party to draw drafts on the Group up to a stipulated amount under specific terms and </span><span class=\"S3430 SA7 S2\" id=\"t1p_150\">conditions, are collateralised by the underlying shipments of goods to which they relate and therefore carry less </span><span class=\"S3431 SA7 S2\" id=\"t1q_150\">risk than a direct borrowing. </span><span class=\"S3432 SA7 S2\" id=\"t1r_150\">Commitments to extend credit represent unused portions of authorisations to extend credit in the form of loans, </span><span class=\"S3433 SA7 S2\" id=\"t1s_150\">guarantees or letters of credit. With respect to credit risk on commitments to extend credit, the Group is potentially </span><span class=\"S3434 SA7 S2\" id=\"t1t_150\">exposed to loss in an amount equal to the total unused commitments. However, the likely amount of loss is less </span><span class=\"S3435 SA7 S2\" id=\"t1u_150\">than the total unused commitments since most commitments to extend credit are contingent upon customers </span><span class=\"S3436 SA7 S2\" id=\"t1v_150\">maintaining specific credit standards. </span><span class=\"S3437 SA7 S2\" id=\"t1w_150\">Guarantees, irrevocable letters of credit and undrawn loan commitments are subject to similar credit risk </span><span class=\"S3438 SA7 S2\" id=\"t1x_150\">monitoring and credit policies as utilised in the extension of loans. The Management of the Group believes the </span><span class=\"S3439 SA7 S2\" id=\"t1y_150\">market risk associated with guarantees, irrevocable letters of credit and undrawn loan commitments are minimal. </span><span class=\"SFA4 SB S2\" id=\"t3_151\">NOTE 39: </span><span class=\"S13FD SB S2\" id=\"t4_151\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S343A SB S2\" id=\"t5_151\">HUF mn) [continued] </span><span class=\"S343B SB S2\" id=\"t6_151\">Guarantees, payment undertakings arising from banking activities </span><span class=\"S343C SA7 S2\" id=\"t7_151\">Payment undertaking is a promise  by the Group to assume responsibility for the debt obligation of a borrower if </span><span class=\"S343D SA7 S2\" id=\"t8_151\">that borrower defaults until a determined amount, until a determined date, in case of fulfilling conditions, without </span><span class=\"S343E SA7 S2\" id=\"t9_151\">checking the unde</span><span class=\"S343F S5B9 S2\" id=\"ta_151\">rlying transactions. The guarantee\u2019s liability is joint and primary with the principal, in case of </span><span class=\"S3440 SA7 S2\" id=\"tb_151\">payment undertaking, while the Group assumes the obligation derived from guarantee independently by the </span><span class=\"S7DF SA7 S2\" id=\"tc_151\">conditions established by the Group. A guarantee is most typically required when the ability of the primary obligor </span><span class=\"S3441 SA7 S2\" id=\"td_151\">to perform its obligations under a contract is in question, or when there is some public or private interest which </span><span class=\"S9F9 SA7 S2\" id=\"te_151\">requires protection from the consequences of the principal's default or delinquency. </span><span class=\"S3442 SA7 S2\" id=\"tf_151\">A contract of guarantee is subject to the statute of frauds (or its equivalent local laws) which has maturity and is </span><span class=\"S3443 SA7 S2\" id=\"tg_151\">only enforceable if recorded in writing and signed by the surety and the principal. This means that if the beneficiary </span><span class=\"S3444 SA7 S2\" id=\"th_151\">has not exercised his rights against the surety or guarantor by the deadline indicated, he automatically forfeits all </span><span class=\"S877 SA7 S2\" id=\"ti_151\">his claims against the guarantor or surety. </span><span class=\"S3445 SA7 S2\" id=\"tj_151\">In the case of a simple surety, the beneficiary is obliged to seek recovery of the debt from the debtor, because as </span><span class=\"S3446 SA7 S2\" id=\"tk_151\">long as the debt is recoverable from the debtor, the guarantor can refuse to pay, whereas in the case of a cash </span><span class=\"S3447 SA7 S2\" id=\"tl_151\">surety, the beneficiary can also go to the guarantor immediately, there being no objection to enforcement. </span><span class=\"S936 SB S2\" id=\"tm_151\">Derivatives </span><span class=\"S3448 SA7 S2\" id=\"tn_151\">The Group maintains strict control limits on net open derivative positions, that is the difference between purchase </span><span class=\"S3449 SA7 S2\" id=\"to_151\">and sale contracts, regarding both the amount and the term. At any time the amount subject to credit risk is limited </span><span class=\"S344A SA7 S2\" id=\"tp_151\">to the current fair value of instruments that are favourable to the Group (i.e. assets), which in relation to derivatives </span><span class=\"S344B SA7 S2\" id=\"tq_151\">is only a small fraction of the contract or notional values used to express the volume of instruments outstanding. </span><span class=\"S344C SA7 S2\" id=\"tr_151\">This credit risk exposure is managed as part of the overall lending limits with customers, together with potential </span><span class=\"S344D SA7 S2\" id=\"ts_151\">exposures from market movements. Collateral or other security is not usually obtained for credit risk exposures </span><span class=\"S344E SA7 S2\" id=\"tt_151\">on these instruments, except for trading with clients, where the Group in most of the cases requires margin deposits. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f13582": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_128\">37.2. </span><span class=\"S28F2 SB S2\" id=\"t6_128\">Maturity analysis of assets, liabilities and liquidity risk </span><span class=\"S28F3 SA7 S2\" id=\"t7_128\">Liquidity risk is a measure of the extent to which the Group may be required to raise funds to meet its commitments </span><span class=\"S28F4 SA7 S2\" id=\"t8_128\">associated with financial instruments. The Group maintains its liquidity position in accordance with regulations </span><span class=\"S28F5 SA7 S2\" id=\"t9_128\">prescribed by the NBH. </span><span class=\"S28F6 SA7 S2\" id=\"ta_128\">The essential aspect of the liquidity risk management strategy is to identify all relevant systemic and idiosyncratic </span><span class=\"S28F7 SA7 S2\" id=\"tb_128\">sources of liquidity risk and to measure the probability and severity of such events. During liquidity risk </span><span class=\"S28F8 SA7 S2\" id=\"tc_128\">management the Group considers the effect of liquidity risk events caused by reasons arising in the bank business </span><span class=\"S28F9 SA7 S2\" id=\"td_128\">line (deposit withdrawal), the national economy (exchange rate shock yield curve shock) and the global financial </span><span class=\"S28FA SA7 S2\" id=\"te_128\">system (capital market shock). </span><span class=\"S77D S5B9 S2\" id=\"tf_128\">In line with the Group\u2019s risk </span><span class=\"S28FB SA7 S2\" id=\"tg_128\">management policy liquidity risks are measured and managed on multiply hierarchy </span><span class=\"S28FC SA7 S2\" id=\"th_128\">levels and applying integrated unified VaR based methodology. The basic requirement is that the Group must keep </span><span class=\"S28FD SA7 S2\" id=\"ti_128\">high quality liquidity reserves which means it can fulfill all liabilities when they fall due without material additional </span><span class=\"S28FE SA7 S2\" id=\"tj_128\">costs. </span><span class=\"S28FF SA7 S2\" id=\"tk_128\">The liquidity reserves can be divided in two parts. There are separate decentralized liquid asset portfolios at </span><span class=\"S2900 SA7 S2\" id=\"tl_128\">subsidiary level and a centralized flexible liquidity pool at a Group level. The reserves at subsidiary levels are held </span><span class=\"S2901 SA7 S2\" id=\"tm_128\">to cover the relevant shocks of the subsidiaries which may arise in local currencies (deposit withdrawal, local </span><span class=\"S2902 SA7 S2\" id=\"tn_128\">capital market shock, unexpected business expansion), while the centralized liquidity pool is held to cover the </span><span class=\"S2903 S5B9 S2\" id=\"to_128\">Bank\u2019s separate shocks (deposit</span><span class=\"S2904 SA7 S2\" id=\"tp_128\">-, yield curve- </span><span class=\"S2905 S5B9 S2\" id=\"tq_128\">and exchange rate shocks) and all group member\u2019s potential shocks </span><span class=\"SA92 SA7 S2\" id=\"tr_128\">that may arise in foreign currencies (deposit withdrawal, capital market shock). </span><span class=\"S2906 SA7 S2\" id=\"ts_128\">The recalculation of shocks is made at least quarterly while the recalibration of shock measurement models and </span><span class=\"S2907 SA7 S2\" id=\"tt_128\">review of the risk management methodology is an annual process. The monitoring of liquidity reserves for both </span><span class=\"S18BC SA7 S2\" id=\"tu_128\">centralized and decentralized liquid asset portfolio has been built into the daily reporting process. </span><span class=\"S2908 SA7 S2\" id=\"tv_128\">Due to the balance sheet adjustment process (deleveraging) experienced in the last few years, the liquidity reserves </span><span class=\"S2909 SA7 S2\" id=\"tw_128\">of the Group increased significantly while the liquidity risk exposure has decreased considerably. Currently the </span><span class=\"S290A SA7 S2\" id=\"tx_128\">(over)coverage of potential liquidity risk exposure by high quality liquid assets is high. There were no material </span><span class=\"S290B SA7 S2\" id=\"ty_128\">changes in the liquidity risk management process for the year ended 31 December 2022. </span><span class=\"S290C SA7 S2\" id=\"tz_128\">The contractual amounts disclosed in the maturity analyses are the contractual undiscounted cash-flows like gross </span><span class=\"S290D SA7 S2\" id=\"t10_128\">finance lease obligations (before deducting finance charges); prices specified in forward agreements to purchase </span><span class=\"S290E SA7 S2\" id=\"t11_128\">financial assets for cash; net amounts for pay-floating/receive-fixed interest rate swaps for which net cash-flows </span><span class=\"S290F SA7 S2\" id=\"t12_128\">are exchanged; contractual amounts to be exchanged in a derivative financial instrument for which gross cash- </span><span class=\"S2910 SA7 S2\" id=\"t13_128\">flows are exchanged; gross loan commitments. </span><span class=\"S2911 SA7 S2\" id=\"t14_128\">Such undiscounted cash-flows differ from the amount included in the Consolidated Statement of Financial Position </span><span class=\"S2912 SA7 S2\" id=\"t15_128\">because the amount in that statement is based on discounted cash-flows. When the amount payable is not fixed, </span><span class=\"S2913 SA7 S2\" id=\"t16_128\">the amount disclosed is determined by reference to the conditions existing at the end of the reporting period. For </span><span class=\"S2914 SA7 S2\" id=\"t17_128\">example, when the amount payable varies with changes in an index, the amount disclosed may be based on the </span><span class=\"S2915 SA7 S2\" id=\"t18_128\">level of the index at the end of the period. </span><span class=\"S2916 SA7 S2\" id=\"t19_128\">The following tables provide an analysis of assets and liabilities about the non-discounted cash-flow into relevant </span><span class=\"S2917 SA7 S2\" id=\"t1a_128\">maturity groupings based on the remaining period from the balance sheet date to the contractual maturity date. It </span><span class=\"S2918 SA7 S2\" id=\"t1b_128\">is presented under the most prudent consideration of maturity dates where options or repayment schedules allow </span><span class=\"S2919 SA7 S2\" id=\"t1c_128\">for early repayment possibilities. </span><span class=\"S291A SB S2\" id=\"t5_129\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_129\">2022 </span><span class=\"S291C S27D S2\" id=\"t7_129\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_129\">months </span><span class=\"S291E S27D S2\" id=\"t9_129\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_129\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_129\">months </span><span class=\"S2921 S27D S2\" id=\"tc_129\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_129\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_129\">year </span><span class=\"S2924 S27D S2\" id=\"tf_129\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_129\">Without </span><span class=\"S2926 S27D S2\" id=\"th_129\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_129\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_129\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_129\">4,223,091 </span><span class=\"S292A S27E S2\" id=\"tl_129\">4 </span><span class=\"S292B S27E S2\" id=\"tm_129\">- </span><span class=\"S292C S27E S2\" id=\"tn_129\">- </span><span class=\"S292D S27E S2\" id=\"to_129\">- </span><span class=\"S292E S27E S2\" id=\"tp_129\">4,223,095 </span><span class=\"S292F S27E S2\" id=\"tq_129\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_129\">1,062,238 </span><span class=\"S2931 S27E S2\" id=\"ts_129\">67,317 </span><span class=\"S2932 S27E S2\" id=\"tt_129\">221,803 </span><span class=\"S2933 S27E S2\" id=\"tu_129\">2,969 </span><span class=\"S2934 S27E S2\" id=\"tv_129\">806 </span><span class=\"S2935 S27E S2\" id=\"tw_129\">1,355,133 </span><span class=\"S2936 S27E S2\" id=\"tx_129\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_129\">41,250 </span><span class=\"S2938 S27E S2\" id=\"tz_129\">- </span><span class=\"S2939 S27E S2\" id=\"t10_129\">- </span><span class=\"S293A S27E S2\" id=\"t11_129\">- </span><span class=\"S293B S27E S2\" id=\"t12_129\">- </span><span class=\"S293C S27E S2\" id=\"t13_129\">41,250 </span><span class=\"S293D S27E S2\" id=\"t14_129\">Trading securities at fair value through profit or loss </span><span class=\"S293E S27E S2\" id=\"t15_129\">5,350 </span><span class=\"S293F S27E S2\" id=\"t16_129\">29,118 </span><span class=\"S2940 S27E S2\" id=\"t17_129\">67,117 </span><span class=\"S2941 S27E S2\" id=\"t18_129\">11,794 </span><span class=\"S2942 S27E S2\" id=\"t19_129\">50 </span><span class=\"S2943 S27E S2\" id=\"t1a_129\">113,429 </span><span class=\"S2944 S27E S2\" id=\"t1b_129\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2945 S27E S2\" id=\"t1c_129\">594 </span><span class=\"S2946 S27E S2\" id=\"t1d_129\">1,127 </span><span class=\"S2947 S27E S2\" id=\"t1e_129\">9,163 </span><span class=\"S2948 S27E S2\" id=\"t1f_129\">20 </span><span class=\"S2949 S27E S2\" id=\"t1g_129\">34,490 </span><span class=\"S294A S27E S2\" id=\"t1h_129\">45,394 </span><span class=\"S294B S27E S2\" id=\"t1i_129\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_129\">254,204 </span><span class=\"S294D S27E S2\" id=\"t1k_129\">301,798 </span><span class=\"S294E S27E S2\" id=\"t1l_129\">996,103 </span><span class=\"S294F S27E S2\" id=\"t1m_129\">286,950 </span><span class=\"S2950 S27E S2\" id=\"t1n_129\">131,680 </span><span class=\"S2951 S27E S2\" id=\"t1o_129\">1,970,735 </span><span class=\"S2952 S27E S2\" id=\"t1p_129\">Securities at amortized cost </span><span class=\"S2953 S27E S2\" id=\"t1q_129\">534,388 </span><span class=\"S2954 S27E S2\" id=\"t1r_129\">439,296 </span><span class=\"S2955 S27E S2\" id=\"t1s_129\">2,423,815 </span><span class=\"S2956 S27E S2\" id=\"t1t_129\">1,585,672 </span><span class=\"S2957 S27E S2\" id=\"t1u_129\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_129\">4,983,171 </span><span class=\"S2959 S27E S2\" id=\"t1w_129\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_129\">2,013,234 </span><span class=\"S295B S27E S2\" id=\"t1y_129\">3,287,432 </span><span class=\"S295C S27E S2\" id=\"t1z_129\">6,141,665 </span><span class=\"S295D S27E S2\" id=\"t20_129\">6,441,001 </span><span class=\"S295E S27E S2\" id=\"t21_129\">30,584 </span><span class=\"S295F S27E S2\" id=\"t22_129\">17,913,916 </span><span class=\"S2960 S27E S2\" id=\"t23_129\">Finance lease receivable </span><span class=\"S2961 S27E S2\" id=\"t24_129\">87,867 </span><span class=\"S2962 S27E S2\" id=\"t25_129\">215,640 </span><span class=\"S2963 S27E S2\" id=\"t26_129\">1,007,512 </span><span class=\"S2964 S27E S2\" id=\"t27_129\">83,753 </span><span class=\"S2965 S27E S2\" id=\"t28_129\">- </span><span class=\"S2966 S27E S2\" id=\"t29_129\">1,394,772 </span><span class=\"S2967 S27E S2\" id=\"t2a_129\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_129\">40,151 </span><span class=\"S2969 S27E S2\" id=\"t2c_129\">38,038 </span><span class=\"S296A S27E S2\" id=\"t2d_129\">239,627 </span><span class=\"S296B S27E S2\" id=\"t2e_129\">973,060 </span><span class=\"S296C S27E S2\" id=\"t2f_129\">- </span><span class=\"S296D S27E S2\" id=\"t2g_129\">1,290,876 </span><span class=\"S296E S27E S2\" id=\"t2h_129\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_129\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_129\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_129\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_129\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_129\">85,929 </span><span class=\"S2974 S27E S2\" id=\"t2n_129\">85,929 </span><span class=\"S2975 S27E S2\" id=\"t2o_129\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_129\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_129\">271,648 </span><span class=\"S2978 S27E S2\" id=\"t2r_129\">4,039 </span><span class=\"S2979 S27E S2\" id=\"t2s_129\">3,917 </span><span class=\"S297A S27E S2\" id=\"t2t_129\">8,485 </span><span class=\"S297B S27E S2\" id=\"t2u_129\">6,726 </span><span class=\"S297C S27E S2\" id=\"t2v_129\">294,815 </span><span class=\"S297D S27D S2\" id=\"t2w_129\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_129\">8,534,015 </span><span class=\"S297F S27D S2\" id=\"t2y_129\">4,383,809 </span><span class=\"S2980 S27D S2\" id=\"t2z_129\">11,110,722 </span><span class=\"S2981 S27D S2\" id=\"t30_129\">9,393,704 </span><span class=\"S2982 S27D S2\" id=\"t31_129\">290,265 </span><span class=\"S2983 S27D S2\" id=\"t32_129\">33,712,515 </span><span class=\"S2984 S27E S2\" id=\"t33_129\">Amounts due to banks, the National Governments, </span><span class=\"S2985 S27E S2\" id=\"t34_129\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_129\">387,564 </span><span class=\"S2987 S27E S2\" id=\"t36_129\">213,599 </span><span class=\"S2988 S27E S2\" id=\"t37_129\">665,930 </span><span class=\"S2989 S27E S2\" id=\"t38_129\">296,766 </span><span class=\"S298A S27E S2\" id=\"t39_129\">- </span><span class=\"S298B S27E S2\" id=\"t3a_129\">1,563,859 </span><span class=\"S298C S27E S2\" id=\"t3b_129\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_129\">29,153 </span><span class=\"S298E S27E S2\" id=\"t3d_129\">191 </span><span class=\"S298F S27E S2\" id=\"t3e_129\">188,025 </span><span class=\"S2990 S27E S2\" id=\"t3f_129\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_129\">- </span><span class=\"S2992 S27E S2\" id=\"t3h_129\">217,369 </span><span class=\"S2993 S27E S2\" id=\"t3i_129\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_129\">583 </span><span class=\"S2995 S27E S2\" id=\"t3k_129\">1,133 </span><span class=\"S2996 S27E S2\" id=\"t3l_129\">5,535 </span><span class=\"S2997 S27E S2\" id=\"t3m_129\">50,218 </span><span class=\"S2998 S27E S2\" id=\"t3n_129\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_129\">57,469 </span><span class=\"S299A S27E S2\" id=\"t3p_129\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_129\">23,399,285 </span><span class=\"S299C S27E S2\" id=\"t3r_129\">1,275,142 </span><span class=\"S299D S27E S2\" id=\"t3s_129\">398,900 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_129\">123,290 </span><span class=\"S299E S27E S2\" id=\"t3u_129\">- </span><span class=\"S299F S27E S2\" id=\"t3v_129\">25,196,617 </span><span class=\"S29A0 S27E S2\" id=\"t3w_129\">Liabilities from issued securities </span><span class=\"S29A1 S27E S2\" id=\"t3x_129\">10,644 </span><span class=\"S29A2 S27E S2\" id=\"t3y_129\">44,375 </span><span class=\"S29A3 S27E S2\" id=\"t3z_129\">730,703 </span><span class=\"S29A4 S27E S2\" id=\"t40_129\">173,510 </span><span class=\"S29A5 S27E S2\" id=\"t41_129\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_129\">959,232 </span><span class=\"S29A7 S27E S2\" id=\"t43_129\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_129\">4,720 </span><span class=\"S29A9 S27E S2\" id=\"t45_129\">9,616 </span><span class=\"S29AA S27E S2\" id=\"t46_129\">33,534 </span><span class=\"S29AB S27E S2\" id=\"t47_129\">18,397 </span><span class=\"S29AC S27E S2\" id=\"t48_129\">72 </span><span class=\"S29AD S27E S2\" id=\"t49_129\">66,339 </span><span class=\"S29AE S27E S2\" id=\"t4a_129\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_129\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_129\">550,802 </span><span class=\"S29B1 S27E S2\" id=\"t4d_129\">34,748 </span><span class=\"S29B2 S27E S2\" id=\"t4e_129\">11,065 </span><span class=\"S29B3 S27E S2\" id=\"t4f_129\">817 </span><span class=\"S29B4 S27E S2\" id=\"t4g_129\">4,231 </span><span class=\"S29B5 S27E S2\" id=\"t4h_129\">601,663 </span><span class=\"S29B6 S27E S2\" id=\"t4i_129\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_129\">3,395 </span><span class=\"S29B8 S27E S2\" id=\"t4k_129\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_129\">8,603 </span><span class=\"S29BA S27E S2\" id=\"t4m_129\">291,801 </span><span class=\"S29BB S27E S2\" id=\"t4n_129\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_129\">303,799 </span><span class=\"S29BD S27D S2\" id=\"t4p_129\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_129\">24,386,146 </span><span class=\"S29BF S27D S2\" id=\"t4r_129\">1,578,804 </span><span class=\"S29C0 S27D S2\" id=\"t4s_129\">2,042,295 </span><span class=\"S29C1 S27D S2\" id=\"t4t_129\">954,799 </span><span class=\"S29C2 S27D S2\" id=\"t4u_129\">4,303 </span><span class=\"S29C3 S27D S2\" id=\"t4v_129\">28,966,347 </span><span class=\"S29C4 S27D S2\" id=\"t4w_129\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_129\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_129\">(15,852,131) </span><span class=\"S29C7 S27D S2\" id=\"t4z_129\">2,805,005 </span><span class=\"S29C8 S27D S2\" id=\"t50_129\">9,068,427 </span><span class=\"S29C9 S27D S2\" id=\"t51_129\">8,438,905 </span><span class=\"S29CA S27D S2\" id=\"t52_129\">285,962 </span><span class=\"S29CB S27D S2\" id=\"t53_129\">4,746,168 </span><span class=\"S29CC S482 S2\" id=\"t54_129\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_129\">Without derivative financial instruments. </span><span class=\"S29CE S482 S2\" id=\"t56_129\">2 </span><span class=\"S29CF S483 S2\" id=\"t57_129\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S29D0 S1A84 S2\" id=\"t58_129\">demand deposits are presented in the earliest (within 3 month) period category, however based on the Management\u2019s discretion </span><span class=\"S29D1 S483 S2\" id=\"t59_129\">the Group has appropriate liquidity reserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5a_129\">risk. </span><span class=\"S291A SB S2\" id=\"t5_130\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_130\">2022 </span><span class=\"S29D5 S27D S2\" id=\"t7_130\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_130\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_130\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_130\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_130\">months </span><span class=\"S29DA S27D S2\" id=\"tc_130\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_130\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_130\">year </span><span class=\"S29DD S27D S2\" id=\"tf_130\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_130\">Without </span><span class=\"S29DF S27D S2\" id=\"th_130\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_130\">Total </span><span class=\"S29E1 S27E S2\" id=\"tj_130\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_130\">7,242,836 </span><span class=\"S29E3 S27E S2\" id=\"tl_130\">1,270,841 </span><span class=\"S29E4 S27E S2\" id=\"tm_130\">476,343 </span><span class=\"S29E5 S27E S2\" id=\"tn_130\">186,089 </span><span class=\"S29E6 S27E S2\" id=\"to_130\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_130\">9,176,109 </span><span class=\"S29E8 S27E S2\" id=\"tq_130\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_130\">(7,885,403) </span><span class=\"S29EA S27E S2\" id=\"ts_130\">(1,623,033) </span><span class=\"S29EB S27E S2\" id=\"tt_130\">(499,998) </span><span class=\"S29EC S27E S2\" id=\"tu_130\">(192,979) </span><span class=\"S29ED S27E S2\" id=\"tv_130\">- </span><span class=\"S29EE S27E S2\" id=\"tw_130\">(10,201,413) </span><span class=\"S29EF S27D S2\" id=\"tx_130\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_130\">held for trading </span><span class=\"S29F1 S27D S2\" id=\"tz_130\">(642,567) </span><span class=\"S29F2 S27D S2\" id=\"t10_130\">(352,192) </span><span class=\"S29F3 S27D S2\" id=\"t11_130\">(23,655) </span><span class=\"S29F4 S27D S2\" id=\"t12_130\">(6,890) </span><span class=\"S29F5 S27D S2\" id=\"t13_130\">- </span><span class=\"S29F6 S27D S2\" id=\"t14_130\">(1,025,304) </span><span class=\"S29F7 S27E S2\" id=\"t15_130\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_130\">designated as hedge accounting </span><span class=\"S29F9 S27E S2\" id=\"t17_130\">316,440 </span><span class=\"S29FA S27E S2\" id=\"t18_130\">186,839 </span><span class=\"S29FB S27E S2\" id=\"t19_130\">784,159 </span><span class=\"S29FC S27E S2\" id=\"t1a_130\">15,859 </span><span class=\"S29FD S27E S2\" id=\"t1b_130\">- </span><span class=\"S29FE S27E S2\" id=\"t1c_130\">1,303,297 </span><span class=\"S29FF S27E S2\" id=\"t1d_130\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_130\">designated as hedge accounting </span><span class=\"S2A01 S27E S2\" id=\"t1f_130\">(297,714) </span><span class=\"S2A02 S27E S2\" id=\"t1g_130\">(217,102) </span><span class=\"S2A03 S27E S2\" id=\"t1h_130\">(2,031,727) </span><span class=\"S2A04 S27E S2\" id=\"t1i_130\">(13,425) </span><span class=\"S2A05 S27E S2\" id=\"t1j_130\">- </span><span class=\"S2A06 S27E S2\" id=\"t1k_130\">(2,559,968) </span><span class=\"S2A07 S27D S2\" id=\"t1l_130\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_130\">as hedge accounting </span><span class=\"S2A09 S27D S2\" id=\"t1n_130\">18,726 </span><span class=\"S2A0A S27D S2\" id=\"t1o_130\">(30,263) </span><span class=\"S2A0B S27D S2\" id=\"t1p_130\">(1,247,568) </span><span class=\"S2A0C S27D S2\" id=\"t1q_130\">2,434 </span><span class=\"S2A0D S27D S2\" id=\"t1r_130\">- </span><span class=\"S2A0E S27D S2\" id=\"t1s_130\">(1,256,671) </span><span class=\"S2A0F S27D S2\" id=\"t1t_130\">Net position of derivative financial instruments total </span><span class=\"S2A10 S27D S2\" id=\"t1u_130\">(623,841) </span><span class=\"S2A11 S27D S2\" id=\"t1v_130\">(382,455) </span><span class=\"S2A12 S27D S2\" id=\"t1w_130\">(1,271,223) </span><span class=\"S2A13 S27D S2\" id=\"t1x_130\">(4,456) </span><span class=\"S2A14 S27D S2\" id=\"t1y_130\">- </span><span class=\"S2A15 S27D S2\" id=\"t1z_130\">(2,281,975) </span><span class=\"S2A16 S27E S2\" id=\"t20_130\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_130\">3,937,023 </span><span class=\"S2A18 S27E S2\" id=\"t22_130\">236,103 </span><span class=\"S2A19 S27E S2\" id=\"t23_130\">54,355 </span><span class=\"S2A1A S27E S2\" id=\"t24_130\">2,808 </span><span class=\"S2A1B S27E S2\" id=\"t25_130\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_130\">4,230,289 </span><span class=\"S2A1D S27E S2\" id=\"t27_130\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_130\">602,335 </span><span class=\"S2A1F S27E S2\" id=\"t29_130\">308,787 </span><span class=\"S2A20 S27E S2\" id=\"t2a_130\">337,105 </span><span class=\"S2A21 S27E S2\" id=\"t2b_130\">164,790 </span><span class=\"S2A22 S27E S2\" id=\"t2c_130\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_130\">1,413,017 </span><span class=\"S2A24 S27E S2\" id=\"t2e_130\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_130\">47,631 </span><span class=\"S2A26 S27E S2\" id=\"t2g_130\">5,733 </span><span class=\"S2A27 S27E S2\" id=\"t2h_130\">193 </span><span class=\"S2A28 S27E S2\" id=\"t2i_130\">- </span><span class=\"S2A29 S27E S2\" id=\"t2j_130\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_130\">53,557 </span><span class=\"S2A2B S27E S2\" id=\"t2l_130\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_130\">414,585 </span><span class=\"S2A2D S27E S2\" id=\"t2n_130\">5,035 </span><span class=\"S2A2E S27E S2\" id=\"t2o_130\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_130\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_130\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_130\">419,620 </span><span class=\"S2A32 S27D S2\" id=\"t2s_130\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_130\">5,001,574 </span><span class=\"S2A34 S27D S2\" id=\"t2u_130\">555,658 </span><span class=\"S2A35 S27D S2\" id=\"t2v_130\">391,653 </span><span class=\"S2A36 S27D S2\" id=\"t2w_130\">167,598 </span><span class=\"S2A37 S27D S2\" id=\"t2x_130\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_130\">6,116,483 </span><span class=\"S291A SB S2\" id=\"t5_131\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S291B S27D S2\" id=\"t6_131\">2021 </span><span class=\"S291C S27D S2\" id=\"t7_131\">Within 3 </span><span class=\"S291D S27D S2\" id=\"t8_131\">months </span><span class=\"S291E S27D S2\" id=\"t9_131\">Within one year </span><span class=\"S291F S27D S2\" id=\"ta_131\">and over 3 </span><span class=\"S2920 S27D S2\" id=\"tb_131\">months </span><span class=\"S2A39 S27D S2\" id=\"tc_131\">Within 5 years </span><span class=\"S2922 S27D S2\" id=\"td_131\">and over one </span><span class=\"S2923 S27D S2\" id=\"te_131\">year </span><span class=\"S2924 S27D S2\" id=\"tf_131\">Over 5 years </span><span class=\"S2925 S27D S2\" id=\"tg_131\">Without </span><span class=\"S2926 S27D S2\" id=\"th_131\">maturity </span><span class=\"S2927 S27D S2\" id=\"ti_131\">Total </span><span class=\"S2928 S27E S2\" id=\"tj_131\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S2929 S27E S2\" id=\"tk_131\">2,557,092 </span><span class=\"S2A3A S27E S2\" id=\"tl_131\">51 </span><span class=\"S292B S27E S2\" id=\"tm_131\">- </span><span class=\"S292C S27E S2\" id=\"tn_131\">- </span><span class=\"S292D S27E S2\" id=\"to_131\">- </span><span class=\"S292E S27E S2\" id=\"tp_131\">2,557,143 </span><span class=\"S292F S27E S2\" id=\"tq_131\">Placements with other banks </span><span class=\"S2930 S27E S2\" id=\"tr_131\">1,314,523 </span><span class=\"S2931 S27E S2\" id=\"ts_131\">61,455 </span><span class=\"S2932 S27E S2\" id=\"tt_131\">145,180 </span><span class=\"S2A3B S27E S2\" id=\"tu_131\">67,764 </span><span class=\"S2A3C S27E S2\" id=\"tv_131\">- </span><span class=\"S2935 S27E S2\" id=\"tw_131\">1,588,922 </span><span class=\"S2A3D S27E S2\" id=\"tx_131\">Repo receivables </span><span class=\"S2937 S27E S2\" id=\"ty_131\">61,373 </span><span class=\"S2938 S27E S2\" id=\"tz_131\">- </span><span class=\"S2939 S27E S2\" id=\"t10_131\">- </span><span class=\"S293A S27E S2\" id=\"t11_131\">- </span><span class=\"S293B S27E S2\" id=\"t12_131\">- </span><span class=\"S293C S27E S2\" id=\"t13_131\">61,373 </span><span class=\"S2A3E S27E S2\" id=\"t14_131\">Trading securities at fair value through profit or loss </span><span class=\"S2A3F S27E S2\" id=\"t15_131\">29,714 </span><span class=\"S293F S27E S2\" id=\"t16_131\">21,975 </span><span class=\"S2940 S27E S2\" id=\"t17_131\">37,345 </span><span class=\"S2941 S27E S2\" id=\"t18_131\">13,530 </span><span class=\"S2A40 S27E S2\" id=\"t19_131\">1,738 </span><span class=\"S2943 S27E S2\" id=\"t1a_131\">104,302 </span><span class=\"S2944 S27E S2\" id=\"t1b_131\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S2A41 S27E S2\" id=\"t1c_131\">- </span><span class=\"S2A42 S27E S2\" id=\"t1d_131\">- </span><span class=\"S2947 S27E S2\" id=\"t1e_131\">9,769 </span><span class=\"S2948 S27E S2\" id=\"t1f_131\">19 </span><span class=\"S2949 S27E S2\" id=\"t1g_131\">43,615 </span><span class=\"S294A S27E S2\" id=\"t1h_131\">53,403 </span><span class=\"S294B S27E S2\" id=\"t1i_131\">Securities at fair value through other comprehensive income </span><span class=\"S294C S27E S2\" id=\"t1j_131\">295,977 </span><span class=\"S294D S27E S2\" id=\"t1k_131\">249,131 </span><span class=\"S2A43 S27E S2\" id=\"t1l_131\">1,114,027 </span><span class=\"S294F S27E S2\" id=\"t1m_131\">544,167 </span><span class=\"S2A44 S27E S2\" id=\"t1n_131\">40,798 </span><span class=\"S2951 S27E S2\" id=\"t1o_131\">2,244,100 </span><span class=\"S2952 S27E S2\" id=\"t1p_131\">Securities at amortized cost </span><span class=\"S2A45 S27E S2\" id=\"t1q_131\">34,190 </span><span class=\"S2954 S27E S2\" id=\"t1r_131\">482,530 </span><span class=\"S2955 S27E S2\" id=\"t1s_131\">2,146,652 </span><span class=\"S2956 S27E S2\" id=\"t1t_131\">1,202,747 </span><span class=\"S2957 S27E S2\" id=\"t1u_131\">- </span><span class=\"S2958 S27E S2\" id=\"t1v_131\">3,866,119 </span><span class=\"S2959 S27E S2\" id=\"t1w_131\">Loans at amortized cost </span><span class=\"S295A S27E S2\" id=\"t1x_131\">1,827,131 </span><span class=\"S295B S27E S2\" id=\"t1y_131\">2,599,854 </span><span class=\"S295C S27E S2\" id=\"t1z_131\">5,897,202 </span><span class=\"S295D S27E S2\" id=\"t20_131\">4,742,146 </span><span class=\"S2A46 S27E S2\" id=\"t21_131\">136,975 </span><span class=\"S295F S27E S2\" id=\"t22_131\">15,203,308 </span><span class=\"S2960 S27E S2\" id=\"t23_131\">Finance lease receivable </span><span class=\"S2A47 S27E S2\" id=\"t24_131\">124,074 </span><span class=\"S2962 S27E S2\" id=\"t25_131\">307,745 </span><span class=\"S2A48 S27E S2\" id=\"t26_131\">770,154 </span><span class=\"S2964 S27E S2\" id=\"t27_131\">48,636 </span><span class=\"S2965 S27E S2\" id=\"t28_131\">- </span><span class=\"S2966 S27E S2\" id=\"t29_131\">1,250,609 </span><span class=\"S2967 S27E S2\" id=\"t2a_131\">Loans measured at fair value through profit or loss </span><span class=\"S2968 S27E S2\" id=\"t2b_131\">30,164 </span><span class=\"S2969 S27E S2\" id=\"t2c_131\">31,662 </span><span class=\"S296A S27E S2\" id=\"t2d_131\">221,069 </span><span class=\"S296B S27E S2\" id=\"t2e_131\">835,014 </span><span class=\"S296C S27E S2\" id=\"t2f_131\">- </span><span class=\"S296D S27E S2\" id=\"t2g_131\">1,117,909 </span><span class=\"S296E S27E S2\" id=\"t2h_131\">Associates and other investments </span><span class=\"S296F S27E S2\" id=\"t2i_131\">- </span><span class=\"S2970 S27E S2\" id=\"t2j_131\">- </span><span class=\"S2971 S27E S2\" id=\"t2k_131\">- </span><span class=\"S2972 S27E S2\" id=\"t2l_131\">- </span><span class=\"S2973 S27E S2\" id=\"t2m_131\">79,736 </span><span class=\"S2974 S27E S2\" id=\"t2n_131\">79,736 </span><span class=\"S2975 S27E S2\" id=\"t2o_131\">Other financial assets </span><span class=\"S2976 S1F81 S2\" id=\"t2p_131\">1 </span><span class=\"S2977 S27E S2\" id=\"t2q_131\">130,133 </span><span class=\"S2978 S27E S2\" id=\"t2r_131\">3,244 </span><span class=\"S2979 S27E S2\" id=\"t2s_131\">6,265 </span><span class=\"S297A S27E S2\" id=\"t2t_131\">3,270 </span><span class=\"S297B S27E S2\" id=\"t2u_131\">9,804 </span><span class=\"S297C S27E S2\" id=\"t2v_131\">152,716 </span><span class=\"S297D S27D S2\" id=\"t2w_131\">TOTAL ASSETS </span><span class=\"S297E S27D S2\" id=\"t2x_131\">6,404,371 </span><span class=\"S297F S27D S2\" id=\"t2y_131\">3,757,647 </span><span class=\"S2980 S27D S2\" id=\"t2z_131\">10,347,663 </span><span class=\"S2981 S27D S2\" id=\"t30_131\">7,457,293 </span><span class=\"S2982 S27D S2\" id=\"t31_131\">312,666 </span><span class=\"S2983 S27D S2\" id=\"t32_131\">28,279,640 </span><span class=\"S2984 S27E S2\" id=\"t33_131\">Amounts due to banks, the National Governments, </span><span class=\"S2A49 S27E S2\" id=\"t34_131\">deposits from the National Banks and other banks </span><span class=\"S2986 S27E S2\" id=\"t35_131\">332,330 </span><span class=\"S2987 S27E S2\" id=\"t36_131\">173,171 </span><span class=\"S2988 S27E S2\" id=\"t37_131\">704,505 </span><span class=\"S2989 S27E S2\" id=\"t38_131\">366,025 </span><span class=\"S298A S27E S2\" id=\"t39_131\">- </span><span class=\"S298B S27E S2\" id=\"t3a_131\">1,576,031 </span><span class=\"S298C S27E S2\" id=\"t3b_131\">Repo liabilities </span><span class=\"S298D S27E S2\" id=\"t3c_131\">79,045 </span><span class=\"S2A4A S27E S2\" id=\"t3d_131\">- </span><span class=\"S2A4B S27E S2\" id=\"t3e_131\">2 </span><span class=\"S2990 S27E S2\" id=\"t3f_131\">- </span><span class=\"S2991 S27E S2\" id=\"t3g_131\">- </span><span class=\"S2A4C S27E S2\" id=\"t3h_131\">79,047 </span><span class=\"S2993 S27E S2\" id=\"t3i_131\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S2994 S27E S2\" id=\"t3j_131\">530 </span><span class=\"S2995 S27E S2\" id=\"t3k_131\">1,253 </span><span class=\"S2996 S27E S2\" id=\"t3l_131\">4,421 </span><span class=\"S2997 S27E S2\" id=\"t3m_131\">34,980 </span><span class=\"S2998 S27E S2\" id=\"t3n_131\">- </span><span class=\"S2999 S27E S2\" id=\"t3o_131\">41,184 </span><span class=\"S299A S27E S2\" id=\"t3p_131\">Deposits from customers </span><span class=\"S299B S27E S2\" id=\"t3q_131\">19,593,347 </span><span class=\"S2A4D S27E S2\" id=\"t3r_131\">997,565 </span><span class=\"S299D S27E S2\" id=\"t3s_131\">336,246 </span><span class=\"S1FB8 S27E S2\" id=\"t3t_131\">148,580 </span><span class=\"S299E S27E S2\" id=\"t3u_131\">- </span><span class=\"S299F S27E S2\" id=\"t3v_131\">21,075,738 </span><span class=\"S29A0 S27E S2\" id=\"t3w_131\">Liabilities from issued securities </span><span class=\"S2A4E S27E S2\" id=\"t3x_131\">6,702 </span><span class=\"S2A4F S27E S2\" id=\"t3y_131\">2,664 </span><span class=\"S29A3 S27E S2\" id=\"t3z_131\">303,223 </span><span class=\"S29A4 S27E S2\" id=\"t40_131\">159,139 </span><span class=\"S29A5 S27E S2\" id=\"t41_131\">- </span><span class=\"S29A6 S27E S2\" id=\"t42_131\">471,728 </span><span class=\"S29A7 S27E S2\" id=\"t43_131\">Leasing liabilities </span><span class=\"S29A8 S27E S2\" id=\"t44_131\">3,060 </span><span class=\"S29A9 S27E S2\" id=\"t45_131\">9,058 </span><span class=\"S29AA S27E S2\" id=\"t46_131\">27,307 </span><span class=\"S29AB S27E S2\" id=\"t47_131\">15,530 </span><span class=\"S2A50 S27E S2\" id=\"t48_131\">- </span><span class=\"S29AD S27E S2\" id=\"t49_131\">54,955 </span><span class=\"S29AE S27E S2\" id=\"t4a_131\">Other financial liabilities </span><span class=\"S29AF S1F81 S2\" id=\"t4b_131\">1 </span><span class=\"S29B0 S27E S2\" id=\"t4c_131\">465,022 </span><span class=\"S29B1 S27E S2\" id=\"t4d_131\">26,311 </span><span class=\"S29B2 S27E S2\" id=\"t4e_131\">10,312 </span><span class=\"S29B3 S27E S2\" id=\"t4f_131\">674 </span><span class=\"S29B4 S27E S2\" id=\"t4g_131\">6,235 </span><span class=\"S29B5 S27E S2\" id=\"t4h_131\">508,554 </span><span class=\"S29B6 S27E S2\" id=\"t4i_131\">Subordinated bonds and loans </span><span class=\"S29B7 S27E S2\" id=\"t4j_131\">2,886 </span><span class=\"S29B8 S27E S2\" id=\"t4k_131\">- </span><span class=\"S29B9 S27E S2\" id=\"t4l_131\">7,495 </span><span class=\"S29BA S27E S2\" id=\"t4m_131\">269,698 </span><span class=\"S29BB S27E S2\" id=\"t4n_131\">- </span><span class=\"S29BC S27E S2\" id=\"t4o_131\">280,079 </span><span class=\"S29BD S27D S2\" id=\"t4p_131\">TOTAL LIABILITIES </span><span class=\"S29BE S27D S2\" id=\"t4q_131\">20,482,922 </span><span class=\"S29BF S27D S2\" id=\"t4r_131\">1,210,022 </span><span class=\"S29C0 S27D S2\" id=\"t4s_131\">1,393,511 </span><span class=\"S29C1 S27D S2\" id=\"t4t_131\">994,626 </span><span class=\"S29C2 S27D S2\" id=\"t4u_131\">6,235 </span><span class=\"S29C3 S27D S2\" id=\"t4v_131\">24,087,316 </span><span class=\"S29C4 S27D S2\" id=\"t4w_131\">NET POSITION </span><span class=\"S29C5 S481 S2\" id=\"t4x_131\">2 </span><span class=\"S29C6 S27D S2\" id=\"t4y_131\">(14,078,551) </span><span class=\"S29C7 S27D S2\" id=\"t4z_131\">2,547,625 </span><span class=\"S29C8 S27D S2\" id=\"t50_131\">8,954,152 </span><span class=\"S29C9 S27D S2\" id=\"t51_131\">6,462,667 </span><span class=\"S29CA S27D S2\" id=\"t52_131\">306,431 </span><span class=\"S29CB S27D S2\" id=\"t53_131\">4,192,324 </span><span class=\"S29CC S482 S2\" id=\"t54_131\">1 </span><span class=\"S29CD S483 S2\" id=\"t55_131\">Without derivative financial instruments </span><span class=\"S29CE S482 S2\" id=\"t56_131\">2 </span><span class=\"S2A51 S483 S2\" id=\"t57_131\">Analysis for net position of assets and liabilities are calculated in accordance with IFRS 7, therefore certain financial instruments are presented in the earliest period in which the Group could be required to pay. On- </span><span class=\"S2A52 S483 S2\" id=\"t58_131\">demand deposits are presented in the </span><span class=\"S2A53 S1A84 S2\" id=\"t59_131\">earliest (within 3 month) period category, however based on the Management\u2019s discretion the Group has appropriate liquidity r </span><span class=\"S2A54 S483 S2\" id=\"t5a_131\">eserves as maintenance and management of liquidity </span><span class=\"S29D2 S483 S2\" id=\"t5b_131\">risk. </span><span class=\"S291A SB S2\" id=\"t5_132\">37.2.  Maturity analysis of assets, liabilities and liquidity risk [continued] </span><span class=\"S29D4 S27D S2\" id=\"t6_132\">2021 </span><span class=\"S29D5 S27D S2\" id=\"t7_132\">Within 3 </span><span class=\"S29D6 S27D S2\" id=\"t8_132\">months </span><span class=\"S29D7 S27D S2\" id=\"t9_132\">Within one year </span><span class=\"S29D8 S27D S2\" id=\"ta_132\">and over 3 </span><span class=\"S29D9 S27D S2\" id=\"tb_132\">months </span><span class=\"S29DA S27D S2\" id=\"tc_132\">Within 5 years </span><span class=\"S29DB S27D S2\" id=\"td_132\">and over one </span><span class=\"S29DC S27D S2\" id=\"te_132\">year </span><span class=\"S29DD S27D S2\" id=\"tf_132\">Over 5 years </span><span class=\"S29DE S27D S2\" id=\"tg_132\">Without </span><span class=\"S29DF S27D S2\" id=\"th_132\">maturity </span><span class=\"S29E0 S27D S2\" id=\"ti_132\">Total </span><span class=\"S2A55 S27E S2\" id=\"tj_132\">Receivables from derivative financial instruments held for trading </span><span class=\"S29E2 S27E S2\" id=\"tk_132\">4,396,050 </span><span class=\"S29E3 S27E S2\" id=\"tl_132\">1,993,311 </span><span class=\"S29E4 S27E S2\" id=\"tm_132\">302,924 </span><span class=\"S29E5 S27E S2\" id=\"tn_132\">151,959 </span><span class=\"S29E6 S27E S2\" id=\"to_132\">- </span><span class=\"S29E7 S27E S2\" id=\"tp_132\">6,844,244 </span><span class=\"S29E8 S27E S2\" id=\"tq_132\">Liabilities from derivative financial instruments held for trading </span><span class=\"S29E9 S27E S2\" id=\"tr_132\">(4,349,598) </span><span class=\"S29EA S27E S2\" id=\"ts_132\">(1,991,763) </span><span class=\"S29EB S27E S2\" id=\"tt_132\">(296,648) </span><span class=\"S29EC S27E S2\" id=\"tu_132\">(146,398) </span><span class=\"S29ED S27E S2\" id=\"tv_132\">- </span><span class=\"S2A56 S27E S2\" id=\"tw_132\">(6,784,407) </span><span class=\"S29EF S27D S2\" id=\"tx_132\">Net position of financial instruments </span><span class=\"S29F0 S27D S2\" id=\"ty_132\">held for trading </span><span class=\"S2A57 S27D S2\" id=\"tz_132\">46,452 </span><span class=\"S2A58 S27D S2\" id=\"t10_132\">1,548 </span><span class=\"S2A59 S27D S2\" id=\"t11_132\">6,276 </span><span class=\"S2A5A S27D S2\" id=\"t12_132\">5,561 </span><span class=\"S29F5 S27D S2\" id=\"t13_132\">- </span><span class=\"S2A5B S27D S2\" id=\"t14_132\">59,837 </span><span class=\"S29F7 S27E S2\" id=\"t15_132\">Receivables from derivative financial instruments </span><span class=\"S29F8 S27E S2\" id=\"t16_132\">designated as hedge accounting </span><span class=\"S2A5C S27E S2\" id=\"t17_132\">5,693 </span><span class=\"S2A5D S27E S2\" id=\"t18_132\">37,815 </span><span class=\"S29FB S27E S2\" id=\"t19_132\">580,489 </span><span class=\"S29FC S27E S2\" id=\"t1a_132\">16,195 </span><span class=\"S29FD S27E S2\" id=\"t1b_132\">- </span><span class=\"S2A5E S27E S2\" id=\"t1c_132\">640,192 </span><span class=\"S2A5F S27E S2\" id=\"t1d_132\">Liabilities from derivative financial instruments </span><span class=\"S2A00 S27E S2\" id=\"t1e_132\">designated as hedge accounting </span><span class=\"S2A60 S27E S2\" id=\"t1f_132\">(7,765) </span><span class=\"S2A61 S27E S2\" id=\"t1g_132\">(47,374) </span><span class=\"S2A62 S27E S2\" id=\"t1h_132\">(595,938) </span><span class=\"S2A04 S27E S2\" id=\"t1i_132\">(16,417) </span><span class=\"S2A05 S27E S2\" id=\"t1j_132\">- </span><span class=\"S2A63 S27E S2\" id=\"t1k_132\">(667,494) </span><span class=\"S2A07 S27D S2\" id=\"t1l_132\">Net position of financial instruments designated </span><span class=\"S2A08 S27D S2\" id=\"t1m_132\">as hedge accounting </span><span class=\"S2A64 S27D S2\" id=\"t1n_132\">(2,072) </span><span class=\"S2A65 S27D S2\" id=\"t1o_132\">(9,559) </span><span class=\"S2A66 S27D S2\" id=\"t1p_132\">(15,449) </span><span class=\"S2A67 S27D S2\" id=\"t1q_132\">(222) </span><span class=\"S2A0D S27D S2\" id=\"t1r_132\">- </span><span class=\"S2A68 S27D S2\" id=\"t1s_132\">(27,302) </span><span class=\"S2A69 S27D S2\" id=\"t1t_132\">Net position of derivative financial instruments total </span><span class=\"S2A6A S27D S2\" id=\"t1u_132\">44,380 </span><span class=\"S2A6B S27D S2\" id=\"t1v_132\">(8,011) </span><span class=\"S2A6C S27D S2\" id=\"t1w_132\">(9,173) </span><span class=\"S2A6D S27D S2\" id=\"t1x_132\">5,339 </span><span class=\"S2A14 S27D S2\" id=\"t1y_132\">- </span><span class=\"S2A6E S27D S2\" id=\"t1z_132\">32,535 </span><span class=\"S2A16 S27E S2\" id=\"t20_132\">Commitments to extend credit </span><span class=\"S2A17 S27E S2\" id=\"t21_132\">3,749,199 </span><span class=\"S2A18 S27E S2\" id=\"t22_132\">234,503 </span><span class=\"S2A19 S27E S2\" id=\"t23_132\">74,915 </span><span class=\"S2A1A S27E S2\" id=\"t24_132\">6,385 </span><span class=\"S2A1B S27E S2\" id=\"t25_132\">- </span><span class=\"S2A1C S27E S2\" id=\"t26_132\">4,065,002 </span><span class=\"S2A1D S27E S2\" id=\"t27_132\">Bank guarantees </span><span class=\"S2A1E S27E S2\" id=\"t28_132\">532,445 </span><span class=\"S2A1F S27E S2\" id=\"t29_132\">347,448 </span><span class=\"S2A20 S27E S2\" id=\"t2a_132\">307,030 </span><span class=\"S2A21 S27E S2\" id=\"t2b_132\">106,918 </span><span class=\"S2A22 S27E S2\" id=\"t2c_132\">- </span><span class=\"S2A23 S27E S2\" id=\"t2d_132\">1,293,841 </span><span class=\"S2A6F S27E S2\" id=\"t2e_132\">Confirmed letters of credit </span><span class=\"S2A25 S27E S2\" id=\"t2f_132\">61,124 </span><span class=\"S2A26 S27E S2\" id=\"t2g_132\">2,937 </span><span class=\"S2A27 S27E S2\" id=\"t2h_132\">853 </span><span class=\"S2A70 S27E S2\" id=\"t2i_132\">163 </span><span class=\"S2A29 S27E S2\" id=\"t2j_132\">- </span><span class=\"S2A2A S27E S2\" id=\"t2k_132\">65,077 </span><span class=\"S2A2B S27E S2\" id=\"t2l_132\">Factoring loan commitment </span><span class=\"S2A2C S27E S2\" id=\"t2m_132\">464,341 </span><span class=\"S2A71 S27E S2\" id=\"t2n_132\">- </span><span class=\"S2A2E S27E S2\" id=\"t2o_132\">- </span><span class=\"S2A2F S27E S2\" id=\"t2p_132\">- </span><span class=\"S2A30 S27E S2\" id=\"t2q_132\">- </span><span class=\"S2A31 S27E S2\" id=\"t2r_132\">464,341 </span><span class=\"S2A32 S27D S2\" id=\"t2s_132\">Off-balance sheet commitments </span><span class=\"S2A33 S27D S2\" id=\"t2t_132\">4,807,109 </span><span class=\"S2A34 S27D S2\" id=\"t2u_132\">584,888 </span><span class=\"S2A35 S27D S2\" id=\"t2v_132\">382,798 </span><span class=\"S2A36 S27D S2\" id=\"t2w_132\">113,466 </span><span class=\"S2A37 S27D S2\" id=\"t2x_132\">- </span><span class=\"S2A38 S27D S2\" id=\"t2y_132\">5,888,261 </span><span class=\"SFA4 SB S2\" id=\"t3_150\">NOTE 39: </span><span class=\"S584 SB S2\" id=\"t4_150\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S3406 SB S2\" id=\"t5_150\">HUF mn) </span><span class=\"S3407 SA7 S2\" id=\"t6_150\">In the normal course of business, the Group becomes a party to various financial transactions that are not reflected </span><span class=\"S3408 SA7 S2\" id=\"t7_150\">on the Consolidated statement of financial position and are referred to as off-balance sheet financial instruments. </span><span class=\"S3409 SA7 S2\" id=\"t8_150\">The following represent notional amounts of these off-balance sheet financial instruments, unless stated otherwise. </span><span class=\"S340A SB S2\" id=\"t9_150\">Contingent liabilities </span><span class=\"SF38 SB S2\" id=\"ta_150\">2022 </span><span class=\"SF39 SB S2\" id=\"tb_150\">2021 </span><span class=\"S340B SA7 S2\" id=\"tc_150\">Commitments to extend credit </span><span class=\"S340C SA7 S2\" id=\"td_150\">4,230,289 </span><span class=\"S340D SA7 S2\" id=\"te_150\">4,065,002 </span><span class=\"S340E SA7 S2\" id=\"tf_150\">Guarantees arising from banking activities </span><span class=\"S340F SA7 S2\" id=\"tg_150\">1,413,017 </span><span class=\"S3410 SA7 S2\" id=\"th_150\">1,293,841 </span><span class=\"SF41 SA7 S2\" id=\"ti_150\">Factoring loan commitment </span><span class=\"SF92 SA7 S2\" id=\"tj_150\">419,620 </span><span class=\"SF93 SA7 S2\" id=\"tk_150\">464,341 </span><span class=\"S3411 SA7 S2\" id=\"tl_150\">Confirmed letters of credit </span><span class=\"S3412 SA7 S2\" id=\"tm_150\">53,557 </span><span class=\"S3413 SA7 S2\" id=\"tn_150\">65,077 </span><span class=\"S3414 SA7 S2\" id=\"to_150\">Other </span><span class=\"S18CE SA7 S2\" id=\"tp_150\">144,893 </span><span class=\"SF97 SA7 S2\" id=\"tq_150\">27,997 </span><span class=\"S3415 SB S2\" id=\"tr_150\">Contingent liabilities and commitments total </span><span class=\"S3416 SB S2\" id=\"ts_150\">in accordance with IFRS 9 </span><span class=\"SF9B SB S2\" id=\"tt_150\">6,261,376 </span><span class=\"SF9C SB S2\" id=\"tu_150\">5,916,258 </span><span class=\"S3417 SA7 S2\" id=\"tv_150\">Legal disputes (disputed value) </span><span class=\"SF9E SA7 S2\" id=\"tw_150\">86,137 </span><span class=\"SF9F SA7 S2\" id=\"tx_150\">75,453 </span><span class=\"SF50 SA7 S2\" id=\"ty_150\">Underwriting guarantees </span><span class=\"S3418 SA7 S2\" id=\"tz_150\">1,397 </span><span class=\"S3419 SA7 S2\" id=\"t10_150\">- </span><span class=\"S341A SA7 S2\" id=\"t11_150\">Other </span><span class=\"S1835 SA7 S2\" id=\"t12_150\">5,393 </span><span class=\"S1836 SA7 S2\" id=\"t13_150\">5,410 </span><span class=\"S341B SB S2\" id=\"t14_150\">Contingent liabilities and commitments </span><span class=\"S341C SB S2\" id=\"t15_150\">total in accordance with IAS 37 </span><span class=\"S341D SB S2\" id=\"t16_150\">92,927 </span><span class=\"S341E SB S2\" id=\"t17_150\">80,863 </span><span class=\"S341F SB S2\" id=\"t18_150\">Total </span><span class=\"S3420 SB S2\" id=\"t19_150\">6,354,303 </span><span class=\"S3421 SB S2\" id=\"t1a_150\">5,997,121 </span><span class=\"S3422 SB S2\" id=\"t1b_150\">Legal disputes </span><span class=\"S3423 SA7 S2\" id=\"t1c_150\">At the balance sheet date, the Group was involved in various claims and legal proceedings of a nature considered </span><span class=\"S3424 SA7 S2\" id=\"t1d_150\">normal to its business. The amount of these claims and legal proceedings corresponds to the amount of claims and </span><span class=\"S3425 SA7 S2\" id=\"t1e_150\">legal proceedings in previous years. </span><span class=\"S3426 SA7 S2\" id=\"t1f_150\">The Group believes that the various asserted claims and litigations in which it is involved will not materially affect </span><span class=\"S3427 SA7 S2\" id=\"t1g_150\">its financial position, future operating results or cash-flows, although no assurance can be given with respect to </span><span class=\"S3428 SA7 S2\" id=\"t1h_150\">the ultimate outcome of any such claim or litigation. Provisions due to legal disputes were HUF 37,043 million as </span><span class=\"S3429 SA7 S2\" id=\"t1i_150\">at 31 December 2022 and HUF 35,354 million as at 31 December 2021, respectively. (See Note 24.) </span><span class=\"S342A SB S2\" id=\"t1j_150\">Commitments to extend credit, guarantees and letters of credit </span><span class=\"S342B SA7 S2\" id=\"t1k_150\">The primary purpose of these instruments is to ensure that funds are available to a customer as required. Guarantees </span><span class=\"S342C SA7 S2\" id=\"t1l_150\">and standby letters of credit, which represent irrevocable assurances that the Group will make payments in the </span><span class=\"S342D SA7 S2\" id=\"t1m_150\">event that a customer cannot meet its obligations to third parties, carry the same credit risk as loans. </span><span class=\"S342E SA7 S2\" id=\"t1n_150\">Documentary and commercial letters of credit, which are written undertakings by the Group on behalf of a </span><span class=\"S342F SA7 S2\" id=\"t1o_150\">customer authorising a third party to draw drafts on the Group up to a stipulated amount under specific terms and </span><span class=\"S3430 SA7 S2\" id=\"t1p_150\">conditions, are collateralised by the underlying shipments of goods to which they relate and therefore carry less </span><span class=\"S3431 SA7 S2\" id=\"t1q_150\">risk than a direct borrowing. </span><span class=\"S3432 SA7 S2\" id=\"t1r_150\">Commitments to extend credit represent unused portions of authorisations to extend credit in the form of loans, </span><span class=\"S3433 SA7 S2\" id=\"t1s_150\">guarantees or letters of credit. With respect to credit risk on commitments to extend credit, the Group is potentially </span><span class=\"S3434 SA7 S2\" id=\"t1t_150\">exposed to loss in an amount equal to the total unused commitments. However, the likely amount of loss is less </span><span class=\"S3435 SA7 S2\" id=\"t1u_150\">than the total unused commitments since most commitments to extend credit are contingent upon customers </span><span class=\"S3436 SA7 S2\" id=\"t1v_150\">maintaining specific credit standards. </span><span class=\"S3437 SA7 S2\" id=\"t1w_150\">Guarantees, irrevocable letters of credit and undrawn loan commitments are subject to similar credit risk </span><span class=\"S3438 SA7 S2\" id=\"t1x_150\">monitoring and credit policies as utilised in the extension of loans. The Management of the Group believes the </span><span class=\"S3439 SA7 S2\" id=\"t1y_150\">market risk associated with guarantees, irrevocable letters of credit and undrawn loan commitments are minimal. </span><span class=\"SFA4 SB S2\" id=\"t3_151\">NOTE 39: </span><span class=\"S13FD SB S2\" id=\"t4_151\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S343A SB S2\" id=\"t5_151\">HUF mn) [continued] </span><span class=\"S343B SB S2\" id=\"t6_151\">Guarantees, payment undertakings arising from banking activities </span><span class=\"S343C SA7 S2\" id=\"t7_151\">Payment undertaking is a promise  by the Group to assume responsibility for the debt obligation of a borrower if </span><span class=\"S343D SA7 S2\" id=\"t8_151\">that borrower defaults until a determined amount, until a determined date, in case of fulfilling conditions, without </span><span class=\"S343E SA7 S2\" id=\"t9_151\">checking the unde</span><span class=\"S343F S5B9 S2\" id=\"ta_151\">rlying transactions. The guarantee\u2019s liability is joint and primary with the principal, in case of </span><span class=\"S3440 SA7 S2\" id=\"tb_151\">payment undertaking, while the Group assumes the obligation derived from guarantee independently by the </span><span class=\"S7DF SA7 S2\" id=\"tc_151\">conditions established by the Group. A guarantee is most typically required when the ability of the primary obligor </span><span class=\"S3441 SA7 S2\" id=\"td_151\">to perform its obligations under a contract is in question, or when there is some public or private interest which </span><span class=\"S9F9 SA7 S2\" id=\"te_151\">requires protection from the consequences of the principal's default or delinquency. </span><span class=\"S3442 SA7 S2\" id=\"tf_151\">A contract of guarantee is subject to the statute of frauds (or its equivalent local laws) which has maturity and is </span><span class=\"S3443 SA7 S2\" id=\"tg_151\">only enforceable if recorded in writing and signed by the surety and the principal. This means that if the beneficiary </span><span class=\"S3444 SA7 S2\" id=\"th_151\">has not exercised his rights against the surety or guarantor by the deadline indicated, he automatically forfeits all </span><span class=\"S877 SA7 S2\" id=\"ti_151\">his claims against the guarantor or surety. </span><span class=\"S3445 SA7 S2\" id=\"tj_151\">In the case of a simple surety, the beneficiary is obliged to seek recovery of the debt from the debtor, because as </span><span class=\"S3446 SA7 S2\" id=\"tk_151\">long as the debt is recoverable from the debtor, the guarantor can refuse to pay, whereas in the case of a cash </span><span class=\"S3447 SA7 S2\" id=\"tl_151\">surety, the beneficiary can also go to the guarantor immediately, there being no objection to enforcement. </span><span class=\"S936 SB S2\" id=\"tm_151\">Derivatives </span><span class=\"S3448 SA7 S2\" id=\"tn_151\">The Group maintains strict control limits on net open derivative positions, that is the difference between purchase </span><span class=\"S3449 SA7 S2\" id=\"to_151\">and sale contracts, regarding both the amount and the term. At any time the amount subject to credit risk is limited </span><span class=\"S344A SA7 S2\" id=\"tp_151\">to the current fair value of instruments that are favourable to the Group (i.e. assets), which in relation to derivatives </span><span class=\"S344B SA7 S2\" id=\"tq_151\">is only a small fraction of the contract or notional values used to express the volume of instruments outstanding. </span><span class=\"S344C SA7 S2\" id=\"tr_151\">This credit risk exposure is managed as part of the overall lending limits with customers, together with potential </span><span class=\"S344D SA7 S2\" id=\"ts_151\">exposures from market movements. Collateral or other security is not usually obtained for credit risk exposures </span><span class=\"S344E SA7 S2\" id=\"tt_151\">on these instruments, except for trading with clients, where the Group in most of the cases requires margin deposits. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f14273": {
   "value": "<span class=\"S7D9 SB S2\" id=\"t5_133\">37.3. </span><span class=\"S2A72 SB S2\" id=\"t6_133\">Net foreign currency position and foreign currency risk </span><span class=\"S2A73 SB S2\" id=\"t7_133\">2022 </span><span class=\"S2A74 SB S2\" id=\"t8_133\">USD </span><span class=\"S2A75 SB S2\" id=\"t9_133\">EUR </span><span class=\"S2A76 SB S2\" id=\"ta_133\">CHF </span><span class=\"S2A77 SB S2\" id=\"tb_133\">Other </span><span class=\"S2A78 SB S2\" id=\"tc_133\">Total </span><span class=\"S2A79 SA7 S2\" id=\"td_133\">Assets </span><span class=\"S2A7A SA7 S2\" id=\"te_133\">1,092,435 </span><span class=\"S2A7B SA7 S2\" id=\"tf_133\">9,990,818 </span><span class=\"S2A7C SA7 S2\" id=\"tg_133\">50,641 </span><span class=\"S2A7D SA7 S2\" id=\"th_133\">9,646,119 </span><span class=\"S2A7E SA7 S2\" id=\"ti_133\">20,780,013 </span><span class=\"S2A7F SA7 S2\" id=\"tj_133\">Liabilities </span><span class=\"S2A80 SA7 S2\" id=\"tk_133\">(1,523,947) </span><span class=\"S2A81 SA7 S2\" id=\"tl_133\">(9,320,156) </span><span class=\"S2A82 SA7 S2\" id=\"tm_133\">(148,570) </span><span class=\"S2A83 SA7 S2\" id=\"tn_133\">(7,646,515) </span><span class=\"S2A84 SA7 S2\" id=\"to_133\">(18,639,188) </span><span class=\"S2A85 SA7 S2\" id=\"tp_133\">Derivative financial </span><span class=\"S2A86 SA7 S2\" id=\"tq_133\">instruments </span><span class=\"S2A87 SA7 S2\" id=\"tr_133\">499,444 </span><span class=\"S2A88 SA7 S2\" id=\"ts_133\">1,014,423 </span><span class=\"S2A89 SA7 S2\" id=\"tt_133\">161,697 </span><span class=\"S2A8A SA7 S2\" id=\"tu_133\">(355,391) </span><span class=\"S2A8B SA7 S2\" id=\"tv_133\">1,320,173 </span><span class=\"S2A8C SB S2\" id=\"tw_133\">Net position </span><span class=\"S2A8D SB S2\" id=\"tx_133\">67,932 </span><span class=\"S2A8E SB S2\" id=\"ty_133\">1,685,085 </span><span class=\"S2A8F SB S2\" id=\"tz_133\">63,768 </span><span class=\"S2A90 SB S2\" id=\"t10_133\">1,644,213 </span><span class=\"S2A91 SB S2\" id=\"t11_133\">3,460,998 </span><span class=\"S2A92 SB S2\" id=\"t12_133\">2021 </span><span class=\"S2A93 SB S2\" id=\"t13_133\">USD </span><span class=\"S2A94 SB S2\" id=\"t14_133\">EUR </span><span class=\"S2A95 SB S2\" id=\"t15_133\">CHF </span><span class=\"S2A96 SB S2\" id=\"t16_133\">Other </span><span class=\"S2A97 SB S2\" id=\"t17_133\">Total </span><span class=\"S2A98 SA7 S2\" id=\"t18_133\">Assets </span><span class=\"S2A99 SA7 S2\" id=\"t19_133\">1,163,960 </span><span class=\"S2A9A SA7 S2\" id=\"t1a_133\">7,661,460 </span><span class=\"S2A9B SA7 S2\" id=\"t1b_133\">88,639 </span><span class=\"S2A9C SA7 S2\" id=\"t1c_133\">7,677,060 </span><span class=\"S2A9D SA7 S2\" id=\"t1d_133\">16,591,119 </span><span class=\"S2A9E SA7 S2\" id=\"t1e_133\">Liabilities </span><span class=\"S2A9F SA7 S2\" id=\"t1f_133\">(1,013,972) </span><span class=\"S2AA0 SA7 S2\" id=\"t1g_133\">(6,769,472) </span><span class=\"S2AA1 SA7 S2\" id=\"t1h_133\">(107,902) </span><span class=\"S2AA2 SA7 S2\" id=\"t1i_133\">(5,971,941) </span><span class=\"S2AA3 SA7 S2\" id=\"t1j_133\">(13,863,287) </span><span class=\"S2AA4 SA7 S2\" id=\"t1k_133\">Derivative financial </span><span class=\"S2AA5 SA7 S2\" id=\"t1l_133\">instruments </span><span class=\"S2AA6 SA7 S2\" id=\"t1m_133\">(186,774) </span><span class=\"S2AA7 SA7 S2\" id=\"t1n_133\">(371,225) </span><span class=\"S2AA8 SA7 S2\" id=\"t1o_133\">32,021 </span><span class=\"S2AA9 SA7 S2\" id=\"t1p_133\">(101,951) </span><span class=\"S2AAA SA7 S2\" id=\"t1q_133\">(627,929) </span><span class=\"S2AAB SB S2\" id=\"t1r_133\">Net position </span><span class=\"S2AAC SB S2\" id=\"t1s_133\">(36,786) </span><span class=\"S2AAD SB S2\" id=\"t1t_133\">520,763 </span><span class=\"S2AAE SB S2\" id=\"t1u_133\">12,758 </span><span class=\"S2AAF SB S2\" id=\"t1v_133\">1,603,168 </span><span class=\"S2AB0 SB S2\" id=\"t1w_133\">2,099,903 </span><span class=\"S2AB1 SA7 S2\" id=\"t1x_133\">The table above provides an analysis of the main foreign currency exposures of the Group that arise in the non- </span><span class=\"S2AB2 SA7 S2\" id=\"t1y_133\">functional currency of the entities constituting the Group. The remaining foreign currencies are shown within </span><span class=\"S2AB3 S5B9 S2\" id=\"t1z_133\">\u2018Others\u2019. \u2018Others\u2019 category contains mainly foreign currencies </span><span class=\"S2AB4 SA7 S2\" id=\"t20_133\">in RON, RSD, HRK, UAH, RUB, BGN, ALL and </span><span class=\"S2AB5 SA7 S2\" id=\"t21_133\">MDL. The Group monitors its foreign exchange position for compliance with the regulatory requirements of the </span><span class=\"S2AB6 SA7 S2\" id=\"t22_133\">National Banks and its own limit system established in respect of limits on open positions. The measurement of </span><span class=\"S2AB7 S5B9 S2\" id=\"t23_133\">the open foreign currency position of the Group involves monitoring the \u201cVaR\u201d limit on the foreign exchange </span><span class=\"S9E7 SA7 S2\" id=\"t24_133\">exposure of the Group. The derivative financial instruments detailed in the table above are presented at fair value. </span><span class=\"S7D9 SB S2\" id=\"t5_134\">37.4. </span><span class=\"S716 SB S2\" id=\"t6_134\">Interest rate risk management </span><span class=\"S1E4A SA7 S2\" id=\"t7_134\">Interest rate risk is the risk that the value of a financial instrument will fluctuate due to changes in market interest </span><span class=\"S2AB9 SA7 S2\" id=\"t8_134\">rates. The length of time for which the rate of interest is fixed on a financial instrument, therefore, indicates to </span><span class=\"S5BF SA7 S2\" id=\"t9_134\">what extent it is exposed to interest rate risk. </span><span class=\"S2ABA SA7 S2\" id=\"ta_134\">The majority of the interest-bearing assets and liabilities of the Group are structured to match either short-term </span><span class=\"S2ABB SA7 S2\" id=\"tb_134\">assets and short-term liabilities, or long-term assets and liabilities with repricing opportunities within one year, or </span><span class=\"S71C SA7 S2\" id=\"tc_134\">long-term assets and corresponding liabilities where repricing is performed simultaneously. </span><span class=\"S2ABC SA7 S2\" id=\"td_134\">In addition, the significant spread existing between the different types of interest-bearing assets and liabilities </span><span class=\"S2ABD SA7 S2\" id=\"te_134\">enables the Group to benefit from a high level of flexibility in adjusting for its interest rate matching and interest </span><span class=\"S2ABE SA7 S2\" id=\"tf_134\">rate risk exposure. </span><span class=\"S9D9 SA7 S2\" id=\"tg_134\">The following table presents the interest repricing periods of the assets and liabilities. Variable yield assets and </span><span class=\"S2ABF SA7 S2\" id=\"th_134\">liabilities have been reported in accordance with their next repricing date. Fixed income assets and liabilities have </span><span class=\"S2AC0 SA7 S2\" id=\"ti_134\">been reported in accordance with their maturity. </span><span class=\"S2AC1 SB S2\" id=\"t5_135\">37.4.  Interest rate risk management [continued] </span><span class=\"S2AC2 SB S2\" id=\"t6_135\">As at 31 December 2022 </span><span class=\"S2AC3 S2669 S2\" id=\"t7_135\">ASSETS </span><span class=\"S2AC4 S2669 S2\" id=\"t8_135\">Within 1 month </span><span class=\"S2AC5 S2669 S2\" id=\"t9_135\">Over 1 month and </span><span class=\"S2AC6 S2669 S2\" id=\"ta_135\">Within 3 months </span><span class=\"S2AC7 S2669 S2\" id=\"tb_135\">Over 3 months and </span><span class=\"S2AC8 S2669 S2\" id=\"tc_135\">Within 12 months </span><span class=\"S2AC9 S2669 S2\" id=\"td_135\">Over 1 year and </span><span class=\"S2ACA S2669 S2\" id=\"te_135\">Within 2 years </span><span class=\"S2ACB S2669 S2\" id=\"tf_135\">Over 2 years </span><span class=\"S2ACC S2669 S2\" id=\"tg_135\">Non-interest- </span><span class=\"S2ACD S2669 S2\" id=\"th_135\">bearing </span><span class=\"S2ACE S2669 S2\" id=\"ti_135\">Total </span><span class=\"S2ACF S2669 S2\" id=\"tj_135\">Total </span><span class=\"S2AD0 S2669 S2\" id=\"tk_135\">HUF </span><span class=\"S2AD1 S2669 S2\" id=\"tl_135\">Currency </span><span class=\"S2AD2 S2669 S2\" id=\"tm_135\">HUF </span><span class=\"S2AD3 S2669 S2\" id=\"tn_135\">Currency </span><span class=\"S2AD4 S2669 S2\" id=\"to_135\">HUF </span><span class=\"S2AD5 S2669 S2\" id=\"tp_135\">Currency </span><span class=\"S2AD6 S2669 S2\" id=\"tq_135\">HUF </span><span class=\"S2AD7 S2669 S2\" id=\"tr_135\">Currency </span><span class=\"S2AD8 S2669 S2\" id=\"ts_135\">HUF </span><span class=\"S2AD9 S2669 S2\" id=\"tt_135\">Currency </span><span class=\"S2ADA S2669 S2\" id=\"tu_135\">HUF </span><span class=\"S2ADB S2669 S2\" id=\"tv_135\">Currency </span><span class=\"S2ADC S2669 S2\" id=\"tw_135\">HUF </span><span class=\"S2ADD S2669 S2\" id=\"tx_135\">Currency </span><span class=\"S2ADE S2669 S2\" id=\"ty_135\">Cash, amounts due from banks and balances </span><span class=\"S2ADF S2669 S2\" id=\"tz_135\">with the </span><span class=\"S2AE0 S2669 S2\" id=\"t10_135\">National Banks </span><span class=\"S2AE1 S2669 S2\" id=\"t11_135\">641,960 </span><span class=\"S2AE2 S2669 S2\" id=\"t12_135\">1,166,289 </span><span class=\"S2AE3 S2669 S2\" id=\"t13_135\">309 </span><span class=\"S2AE4 S2669 S2\" id=\"t14_135\">14,649 </span><span class=\"S2AE5 S2669 S2\" id=\"t15_135\">- </span><span class=\"S2AE6 S2669 S2\" id=\"t16_135\">28,967 </span><span class=\"S2AE7 S2669 S2\" id=\"t17_135\">- </span><span class=\"S2AE8 S2669 S2\" id=\"t18_135\">20,323 </span><span class=\"S2AE9 S2669 S2\" id=\"t19_135\">- </span><span class=\"S2AEA S2669 S2\" id=\"t1a_135\">14,550 </span><span class=\"S2AEB S2669 S2\" id=\"t1b_135\">183,201 </span><span class=\"S2AEC S2669 S2\" id=\"t1c_135\">2,151,144 </span><span class=\"S2AED S2669 S2\" id=\"t1d_135\">825,470 </span><span class=\"S2AEE S2669 S2\" id=\"t1e_135\">3,395,922 </span><span class=\"S2AEF S2669 S2\" id=\"t1f_135\">4,221,392 </span><span class=\"S2AF0 S266A S2\" id=\"t1g_135\">fixed rate </span><span class=\"S2AF1 S266A S2\" id=\"t1h_135\">641,503 </span><span class=\"S2AF2 S266A S2\" id=\"t1i_135\">1,085,631 </span><span class=\"S2AF3 S266A S2\" id=\"t1j_135\">- </span><span class=\"S2AF4 S266A S2\" id=\"t1k_135\">- </span><span class=\"S2AF5 S266A S2\" id=\"t1l_135\">- </span><span class=\"S2AF6 S266A S2\" id=\"t1m_135\">4,941 </span><span class=\"S2AF7 S266A S2\" id=\"t1n_135\">- </span><span class=\"S2AF8 S266A S2\" id=\"t1o_135\">- </span><span class=\"S2AF9 S266A S2\" id=\"t1p_135\">- </span><span class=\"S2AFA S266A S2\" id=\"t1q_135\">- </span><span class=\"S2AFB S266A S2\" id=\"t1r_135\">- </span><span class=\"S2AFC S266A S2\" id=\"t1s_135\">- </span><span class=\"S2AFD S266A S2\" id=\"t1t_135\">641,503 </span><span class=\"S2AFE S266A S2\" id=\"t1u_135\">1,090,572 </span><span class=\"S2AFF S2669 S2\" id=\"t1v_135\">1,732,075 </span><span class=\"S2B00 S266A S2\" id=\"t1w_135\">variable rate </span><span class=\"S2B01 S266A S2\" id=\"t1x_135\">457 </span><span class=\"S2B02 S266A S2\" id=\"t1y_135\">80,658 </span><span class=\"S2B03 S266A S2\" id=\"t1z_135\">309 </span><span class=\"S2B04 S266A S2\" id=\"t20_135\">14,649 </span><span class=\"S2B05 S266A S2\" id=\"t21_135\">- </span><span class=\"S2B06 S266A S2\" id=\"t22_135\">24,026 </span><span class=\"S2B07 S266A S2\" id=\"t23_135\">- </span><span class=\"S2B08 S266A S2\" id=\"t24_135\">20,323 </span><span class=\"S2B09 S266A S2\" id=\"t25_135\">- </span><span class=\"S2B0A S266A S2\" id=\"t26_135\">14,550 </span><span class=\"S2B0B S266A S2\" id=\"t27_135\">- </span><span class=\"S2B0C S266A S2\" id=\"t28_135\">- </span><span class=\"S2B0D S266A S2\" id=\"t29_135\">766 </span><span class=\"S2B0E S266A S2\" id=\"t2a_135\">154,206 </span><span class=\"S2B0F S2669 S2\" id=\"t2b_135\">154,972 </span><span class=\"S2B10 S266A S2\" id=\"t2c_135\">non-interest-bearing </span><span class=\"S2B11 S266A S2\" id=\"t2d_135\">- </span><span class=\"S2B12 S266A S2\" id=\"t2e_135\">- </span><span class=\"S2B13 S266A S2\" id=\"t2f_135\">- </span><span class=\"S2B14 S266A S2\" id=\"t2g_135\">- </span><span class=\"S2B15 S266A S2\" id=\"t2h_135\">- </span><span class=\"S2B16 S266A S2\" id=\"t2i_135\">- </span><span class=\"S2B17 S266A S2\" id=\"t2j_135\">- </span><span class=\"S2B18 S266A S2\" id=\"t2k_135\">- </span><span class=\"S2B19 S266A S2\" id=\"t2l_135\">- </span><span class=\"S2B1A S266A S2\" id=\"t2m_135\">- </span><span class=\"S2B1B S266A S2\" id=\"t2n_135\">183,201 </span><span class=\"S2B1C S266A S2\" id=\"t2o_135\">2,151,144 </span><span class=\"S2B1D S266A S2\" id=\"t2p_135\">183,201 </span><span class=\"S2B1E S266A S2\" id=\"t2q_135\">2,151,144 </span><span class=\"S2B1F S2669 S2\" id=\"t2r_135\">2,334,345 </span><span class=\"S2B20 S2669 S2\" id=\"t2s_135\">Placements with other banks </span><span class=\"S2B21 S2669 S2\" id=\"t2t_135\">682,568 </span><span class=\"S2B22 S2669 S2\" id=\"t2u_135\">345,915 </span><span class=\"S2B23 S2669 S2\" id=\"t2v_135\">46,805 </span><span class=\"S2B24 S2669 S2\" id=\"t2w_135\">37,222 </span><span class=\"S2B25 S2669 S2\" id=\"t2x_135\">100,744 </span><span class=\"S2B26 S2669 S2\" id=\"t2y_135\">2,007 </span><span class=\"S2B27 S2669 S2\" id=\"t2z_135\">- </span><span class=\"S2B28 S2669 S2\" id=\"t30_135\">28 </span><span class=\"S2B29 S2669 S2\" id=\"t31_135\">- </span><span class=\"S2B2A S2669 S2\" id=\"t32_135\">22,016 </span><span class=\"S2B2B S2669 S2\" id=\"t33_135\">48,754 </span><span class=\"S2B2C S2669 S2\" id=\"t34_135\">65,023 </span><span class=\"S2B2D S2669 S2\" id=\"t35_135\">878,871 </span><span class=\"S2B2E S2669 S2\" id=\"t36_135\">472,211 </span><span class=\"S2B2F S2669 S2\" id=\"t37_135\">1,351,082 </span><span class=\"S2B30 S266A S2\" id=\"t38_135\">fixed rate </span><span class=\"S2B31 S266A S2\" id=\"t39_135\">2,151 </span><span class=\"S2B32 S266A S2\" id=\"t3a_135\">239,634 </span><span class=\"S2B33 S266A S2\" id=\"t3b_135\">6,542 </span><span class=\"S2B34 S266A S2\" id=\"t3c_135\">37,222 </span><span class=\"S2B35 S266A S2\" id=\"t3d_135\">352 </span><span class=\"S2B36 S266A S2\" id=\"t3e_135\">- </span><span class=\"S2B37 S266A S2\" id=\"t3f_135\">- </span><span class=\"S2B38 S266A S2\" id=\"t3g_135\">28 </span><span class=\"S2B39 S266A S2\" id=\"t3h_135\">- </span><span class=\"S2B3A S266A S2\" id=\"t3i_135\">22,016 </span><span class=\"S2B3B S266A S2\" id=\"t3j_135\">- </span><span class=\"S2B3C S266A S2\" id=\"t3k_135\">- </span><span class=\"S2B3D S266A S2\" id=\"t3l_135\">9,045 </span><span class=\"S2B3E S266A S2\" id=\"t3m_135\">298,900 </span><span class=\"S2B3F S2669 S2\" id=\"t3n_135\">307,945 </span><span class=\"S2B40 S266A S2\" id=\"t3o_135\">variable rate </span><span class=\"S2B41 S266A S2\" id=\"t3p_135\">680,417 </span><span class=\"S2B42 S266A S2\" id=\"t3q_135\">106,281 </span><span class=\"S2B43 S266A S2\" id=\"t3r_135\">40,263 </span><span class=\"S2B44 S266A S2\" id=\"t3s_135\">- </span><span class=\"S2B45 S266A S2\" id=\"t3t_135\">100,392 </span><span class=\"S2B46 S266A S2\" id=\"t3u_135\">2,007 </span><span class=\"S2B47 S266A S2\" id=\"t3v_135\">- </span><span class=\"S2B48 S266A S2\" id=\"t3w_135\">- </span><span class=\"S2B49 S266A S2\" id=\"t3x_135\">- </span><span class=\"S2B4A S266A S2\" id=\"t3y_135\">- </span><span class=\"S2B4B S266A S2\" id=\"t3z_135\">- </span><span class=\"S2B4C S266A S2\" id=\"t40_135\">- </span><span class=\"S2B4D S266A S2\" id=\"t41_135\">821,072 </span><span class=\"S2B4E S266A S2\" id=\"t42_135\">108,288 </span><span class=\"S2B4F S2669 S2\" id=\"t43_135\">929,360 </span><span class=\"S2B50 S266A S2\" id=\"t44_135\">non-interest-bearing </span><span class=\"S2B51 S266A S2\" id=\"t45_135\">- </span><span class=\"S2B52 S266A S2\" id=\"t46_135\">- </span><span class=\"S2B53 S266A S2\" id=\"t47_135\">- </span><span class=\"S2B54 S266A S2\" id=\"t48_135\">- </span><span class=\"S2B55 S266A S2\" id=\"t49_135\">- </span><span class=\"S2B56 S266A S2\" id=\"t4a_135\">- </span><span class=\"S268A S266A S2\" id=\"t4b_135\">- </span><span class=\"S2B57 S266A S2\" id=\"t4c_135\">- </span><span class=\"S2B58 S266A S2\" id=\"t4d_135\">- </span><span class=\"S2B59 S266A S2\" id=\"t4e_135\">- </span><span class=\"S2B5A S266A S2\" id=\"t4f_135\">48,754 </span><span class=\"S2B5B S266A S2\" id=\"t4g_135\">65,023 </span><span class=\"S2B5C S266A S2\" id=\"t4h_135\">48,754 </span><span class=\"S2B5D S266A S2\" id=\"t4i_135\">65,023 </span><span class=\"S2B5E S2669 S2\" id=\"t4j_135\">113,777 </span><span class=\"S2B5F S2669 S2\" id=\"t4k_135\">Repo receivables </span><span class=\"S2B60 S2669 S2\" id=\"t4l_135\">41,009 </span><span class=\"S2B61 S2669 S2\" id=\"t4m_135\">- </span><span class=\"S2B62 S2669 S2\" id=\"t4n_135\">- </span><span class=\"S2B63 S2669 S2\" id=\"t4o_135\">- </span><span class=\"S2B64 S2669 S2\" id=\"t4p_135\">- </span><span class=\"S2B65 S2669 S2\" id=\"t4q_135\">- </span><span class=\"S2B66 S2669 S2\" id=\"t4r_135\">- </span><span class=\"S2B67 S2669 S2\" id=\"t4s_135\">- </span><span class=\"S2B68 S2669 S2\" id=\"t4t_135\">- </span><span class=\"S2B69 S2669 S2\" id=\"t4u_135\">- </span><span class=\"S2B6A S2669 S2\" id=\"t4v_135\">- </span><span class=\"S2B6B S2669 S2\" id=\"t4w_135\">- </span><span class=\"S2B6C S2669 S2\" id=\"t4x_135\">41,009 </span><span class=\"S2B6D S2669 S2\" id=\"t4y_135\">- </span><span class=\"S2B6E S2669 S2\" id=\"t4z_135\">41,009 </span><span class=\"S2B6F S266A S2\" id=\"t50_135\">fixed rate </span><span class=\"S2B70 S266A S2\" id=\"t51_135\">41,009 </span><span class=\"S2B71 S266A S2\" id=\"t52_135\">- </span><span class=\"S2B72 S266A S2\" id=\"t53_135\">- </span><span class=\"S2B73 S266A S2\" id=\"t54_135\">- </span><span class=\"S2B74 S266A S2\" id=\"t55_135\">- </span><span class=\"S2B75 S266A S2\" id=\"t56_135\">- </span><span class=\"S2B76 S266A S2\" id=\"t57_135\">- </span><span class=\"S2B77 S266A S2\" id=\"t58_135\">- </span><span class=\"S2B78 S266A S2\" id=\"t59_135\">- </span><span class=\"S2B79 S266A S2\" id=\"t5a_135\">- </span><span class=\"S2B7A S266A S2\" id=\"t5b_135\">- </span><span class=\"S2B7B S266A S2\" id=\"t5c_135\">- </span><span class=\"S2B7C S266A S2\" id=\"t5d_135\">41,009 </span><span class=\"S2B7D S266A S2\" id=\"t5e_135\">- </span><span class=\"S2B7E S2669 S2\" id=\"t5f_135\">41,009 </span><span class=\"S2B7F S266A S2\" id=\"t5g_135\">variable rate </span><span class=\"S2B80 S266A S2\" id=\"t5h_135\">- </span><span class=\"S2B81 S266A S2\" id=\"t5i_135\">- </span><span class=\"S2B82 S266A S2\" id=\"t5j_135\">- </span><span class=\"S2B83 S266A S2\" id=\"t5k_135\">- </span><span class=\"S2B84 S266A S2\" id=\"t5l_135\">- </span><span class=\"S2B85 S266A S2\" id=\"t5m_135\">- </span><span class=\"S2B86 S266A S2\" id=\"t5n_135\">- </span><span class=\"S2B87 S266A S2\" id=\"t5o_135\">- </span><span class=\"S2B88 S266A S2\" id=\"t5p_135\">- </span><span class=\"S2B89 S266A S2\" id=\"t5q_135\">- </span><span class=\"S2B8A S266A S2\" id=\"t5r_135\">- </span><span class=\"S2B8B S266A S2\" id=\"t5s_135\">- </span><span class=\"S2B8C S266A S2\" id=\"t5t_135\">- </span><span class=\"S2B8D S266A S2\" id=\"t5u_135\">- </span><span class=\"S2B8E S2669 S2\" id=\"t5v_135\">- </span><span class=\"S2B8F S266A S2\" id=\"t5w_135\">non-interest-bearing </span><span class=\"S2B90 S266A S2\" id=\"t5x_135\">- </span><span class=\"S2B91 S266A S2\" id=\"t5y_135\">- </span><span class=\"S2B92 S266A S2\" id=\"t5z_135\">- </span><span class=\"S2B93 S266A S2\" id=\"t60_135\">- </span><span class=\"S2B94 S266A S2\" id=\"t61_135\">- </span><span class=\"S2B95 S266A S2\" id=\"t62_135\">- </span><span class=\"S2B96 S266A S2\" id=\"t63_135\">- </span><span class=\"S2B97 S266A S2\" id=\"t64_135\">- </span><span class=\"S2B98 S266A S2\" id=\"t65_135\">- </span><span class=\"S2B99 S266A S2\" id=\"t66_135\">- </span><span class=\"S2B9A S266A S2\" id=\"t67_135\">- </span><span class=\"S2B9B S266A S2\" id=\"t68_135\">- </span><span class=\"S2B9C S266A S2\" id=\"t69_135\">- </span><span class=\"S2B9D S266A S2\" id=\"t6a_135\">- </span><span class=\"S2B9E S2669 S2\" id=\"t6b_135\">- </span><span class=\"S2B9F S2669 S2\" id=\"t6c_135\">Trading instruments at fair value through </span><span class=\"S2BA0 S2669 S2\" id=\"t6d_135\">profit or loss </span><span class=\"S2BA1 S2669 S2\" id=\"t6e_135\">7,171 </span><span class=\"S2BA2 S2669 S2\" id=\"t6f_135\">1,234 </span><span class=\"S2BA3 S2669 S2\" id=\"t6g_135\">16,157 </span><span class=\"S2BA4 S2669 S2\" id=\"t6h_135\">661 </span><span class=\"S2BA5 S2669 S2\" id=\"t6i_135\">12,146 </span><span class=\"S2BA6 S2669 S2\" id=\"t6j_135\">4,265 </span><span class=\"S2BA7 S2669 S2\" id=\"t6k_135\">21,882 </span><span class=\"S2BA8 S2669 S2\" id=\"t6l_135\">2,436 </span><span class=\"S2BA9 S2669 S2\" id=\"t6m_135\">27,900 </span><span class=\"S2BAA S2669 S2\" id=\"t6n_135\">9,760 </span><span class=\"S2BAB S2669 S2\" id=\"t6o_135\">124 </span><span class=\"S2BAC S2669 S2\" id=\"t6p_135\">1,014 </span><span class=\"S2BAD S2669 S2\" id=\"t6q_135\">85,380 </span><span class=\"S2BAE S2669 S2\" id=\"t6r_135\">19,370 </span><span class=\"S2BAF S2669 S2\" id=\"t6s_135\">104,750 </span><span class=\"S2BB0 S266A S2\" id=\"t6t_135\">fixed rate </span><span class=\"S2BB1 S266A S2\" id=\"t6u_135\">7,156 </span><span class=\"S2BB2 S266A S2\" id=\"t6v_135\">1,234 </span><span class=\"S2BB3 S266A S2\" id=\"t6w_135\">11,967 </span><span class=\"S2BB4 S266A S2\" id=\"t6x_135\">661 </span><span class=\"S2BB5 S266A S2\" id=\"t6y_135\">3,775 </span><span class=\"S2BB6 S266A S2\" id=\"t6z_135\">4,265 </span><span class=\"S2BB7 S266A S2\" id=\"t70_135\">21,882 </span><span class=\"S2BB8 S266A S2\" id=\"t71_135\">2,436 </span><span class=\"S2BB9 S266A S2\" id=\"t72_135\">27,900 </span><span class=\"S2BBA S266A S2\" id=\"t73_135\">9,760 </span><span class=\"S2BBB S266A S2\" id=\"t74_135\">- </span><span class=\"S2BBC S266A S2\" id=\"t75_135\">- </span><span class=\"S2BBD S266A S2\" id=\"t76_135\">72,680 </span><span class=\"S2BBE S266A S2\" id=\"t77_135\">18,356 </span><span class=\"S2BBF S2669 S2\" id=\"t78_135\">91,036 </span><span class=\"S2BC0 S266A S2\" id=\"t79_135\">variable rate </span><span class=\"S2BC1 S266A S2\" id=\"t7a_135\">15 </span><span class=\"S2BC2 S266A S2\" id=\"t7b_135\">- </span><span class=\"S2BC3 S266A S2\" id=\"t7c_135\">4,190 </span><span class=\"S2BC4 S266A S2\" id=\"t7d_135\">- </span><span class=\"S2BC5 S266A S2\" id=\"t7e_135\">8,371 </span><span class=\"S2BC6 S266A S2\" id=\"t7f_135\">- </span><span class=\"S2BC7 S266A S2\" id=\"t7g_135\">- </span><span class=\"S2BC8 S266A S2\" id=\"t7h_135\">- </span><span class=\"S2BC9 S266A S2\" id=\"t7i_135\">- </span><span class=\"S2BCA S266A S2\" id=\"t7j_135\">- </span><span class=\"S2BCB S266A S2\" id=\"t7k_135\">- </span><span class=\"S2BCC S266A S2\" id=\"t7l_135\">- </span><span class=\"S2BCD S266A S2\" id=\"t7m_135\">12,576 </span><span class=\"S2BCE S266A S2\" id=\"t7n_135\">- </span><span class=\"S2BCF S2669 S2\" id=\"t7o_135\">12,576 </span><span class=\"S2BD0 S266A S2\" id=\"t7p_135\">non-interest-bearing </span><span class=\"S2BD1 S266A S2\" id=\"t7q_135\">- </span><span class=\"S2BD2 S266A S2\" id=\"t7r_135\">- </span><span class=\"S2BD3 S266A S2\" id=\"t7s_135\">- </span><span class=\"S2BD4 S266A S2\" id=\"t7t_135\">- </span><span class=\"S2BD5 S266A S2\" id=\"t7u_135\">- </span><span class=\"S2BD6 S266A S2\" id=\"t7v_135\">- </span><span class=\"S2BD7 S266A S2\" id=\"t7w_135\">- </span><span class=\"S2BD8 S266A S2\" id=\"t7x_135\">- </span><span class=\"S2BD9 S266A S2\" id=\"t7y_135\">- </span><span class=\"S2BDA S266A S2\" id=\"t7z_135\">- </span><span class=\"S2BDB S266A S2\" id=\"t80_135\">124 </span><span class=\"S2BDC S266A S2\" id=\"t81_135\">1,014 </span><span class=\"S2BDD S266A S2\" id=\"t82_135\">124 </span><span class=\"S2BDE S266A S2\" id=\"t83_135\">1,014 </span><span class=\"S2BDF S2669 S2\" id=\"t84_135\">1,138 </span><span class=\"S2BE0 S2669 S2\" id=\"t85_135\">Non-trading instruments mandatorily at fair </span><span class=\"S2BE1 S2669 S2\" id=\"t86_135\">value through profit or loss </span><span class=\"S2BE2 S2669 S2\" id=\"t87_135\">- </span><span class=\"S2BE3 S2669 S2\" id=\"t88_135\">- </span><span class=\"S2BE4 S2669 S2\" id=\"t89_135\">- </span><span class=\"S2BE5 S2669 S2\" id=\"t8a_135\">- </span><span class=\"S2BE6 S2669 S2\" id=\"t8b_135\">- </span><span class=\"S2BE7 S2669 S2\" id=\"t8c_135\">- </span><span class=\"S2BE8 S2669 S2\" id=\"t8d_135\">- </span><span class=\"S2BE9 S2669 S2\" id=\"t8e_135\">- </span><span class=\"S2BEA S2669 S2\" id=\"t8f_135\">- </span><span class=\"S2BEB S2669 S2\" id=\"t8g_135\">- </span><span class=\"S2BEC S2669 S2\" id=\"t8h_135\">30,057 </span><span class=\"S2BED S2669 S2\" id=\"t8i_135\">25,098 </span><span class=\"S2BEE S2669 S2\" id=\"t8j_135\">30,057 </span><span class=\"S2BEF S2669 S2\" id=\"t8k_135\">25,098 </span><span class=\"S2BF0 S2669 S2\" id=\"t8l_135\">55,155 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_135\">fixed rate </span><span class=\"S2BF2 S266A S2\" id=\"t8n_135\">- </span><span class=\"S2BF3 S266A S2\" id=\"t8o_135\">- </span><span class=\"S2BF4 S266A S2\" id=\"t8p_135\">- </span><span class=\"S2BF5 S266A S2\" id=\"t8q_135\">- </span><span class=\"S2BF6 S266A S2\" id=\"t8r_135\">- </span><span class=\"S2BF7 S266A S2\" id=\"t8s_135\">- </span><span class=\"S2BF8 S266A S2\" id=\"t8t_135\">- </span><span class=\"S2BF9 S266A S2\" id=\"t8u_135\">- </span><span class=\"S2BFA S266A S2\" id=\"t8v_135\">- </span><span class=\"S2BFB S266A S2\" id=\"t8w_135\">- </span><span class=\"S2BFC S266A S2\" id=\"t8x_135\">- </span><span class=\"S2BFD S266A S2\" id=\"t8y_135\">- </span><span class=\"S2BFE S266A S2\" id=\"t8z_135\">- </span><span class=\"S2BFF S266A S2\" id=\"t90_135\">- </span><span class=\"S2C00 S2669 S2\" id=\"t91_135\">- </span><span class=\"S2C01 S266A S2\" id=\"t92_135\">variable rate </span><span class=\"S2C02 S266A S2\" id=\"t93_135\">- </span><span class=\"S2C03 S266A S2\" id=\"t94_135\">- </span><span class=\"S2C04 S266A S2\" id=\"t95_135\">- </span><span class=\"S2C05 S266A S2\" id=\"t96_135\">- </span><span class=\"S2C06 S266A S2\" id=\"t97_135\">- </span><span class=\"S2C07 S266A S2\" id=\"t98_135\">- </span><span class=\"S2C08 S266A S2\" id=\"t99_135\">- </span><span class=\"S2C09 S266A S2\" id=\"t9a_135\">- </span><span class=\"S2C0A S266A S2\" id=\"t9b_135\">- </span><span class=\"S2C0B S266A S2\" id=\"t9c_135\">- </span><span class=\"S2C0C S266A S2\" id=\"t9d_135\">- </span><span class=\"S2C0D S266A S2\" id=\"t9e_135\">- </span><span class=\"S2C0E S266A S2\" id=\"t9f_135\">- </span><span class=\"S2C0F S266A S2\" id=\"t9g_135\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9h_135\">- </span><span class=\"S2C11 S266A S2\" id=\"t9i_135\">non-interest-bearing </span><span class=\"S2C12 S266A S2\" id=\"t9j_135\">- </span><span class=\"S2C13 S266A S2\" id=\"t9k_135\">- </span><span class=\"S2C14 S266A S2\" id=\"t9l_135\">- </span><span class=\"S2C15 S266A S2\" id=\"t9m_135\">- </span><span class=\"S2C16 S266A S2\" id=\"t9n_135\">- </span><span class=\"S2C17 S266A S2\" id=\"t9o_135\">- </span><span class=\"S2C18 S266A S2\" id=\"t9p_135\">- </span><span class=\"S2C19 S266A S2\" id=\"t9q_135\">- </span><span class=\"S2C1A S266A S2\" id=\"t9r_135\">- </span><span class=\"S2C1B S266A S2\" id=\"t9s_135\">- </span><span class=\"S2C1C S266A S2\" id=\"t9t_135\">30,057 </span><span class=\"S2C1D S266A S2\" id=\"t9u_135\">25,098 </span><span class=\"S2C1E S266A S2\" id=\"t9v_135\">30,057 </span><span class=\"S2C1F S266A S2\" id=\"t9w_135\">25,098 </span><span class=\"S2C20 S2669 S2\" id=\"t9x_135\">55,155 </span><span class=\"S2AC1 SB S2\" id=\"t5_136\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_136\">As at 31 December 2022 [continued] </span><span class=\"S2C22 S2669 S2\" id=\"t7_136\">ASSETS [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_136\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_136\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_136\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_136\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_136\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_136\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_136\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_136\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_136\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_136\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_136\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_136\">Total </span><span class=\"S2C2F S2669 S2\" id=\"tk_136\">HUF </span><span class=\"S2C30 S2669 S2\" id=\"tl_136\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tm_136\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_136\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_136\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_136\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_136\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_136\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_136\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_136\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_136\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_136\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_136\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_136\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_136\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_136\">comprehensive income </span><span class=\"S2C3E S2669 S2\" id=\"t10_136\">150,015 </span><span class=\"S2C3F S2669 S2\" id=\"t11_136\">194,093 </span><span class=\"S2C40 S2669 S2\" id=\"t12_136\">62,611 </span><span class=\"S2C41 S2669 S2\" id=\"t13_136\">57,998 </span><span class=\"S2C42 S2669 S2\" id=\"t14_136\">127,352 </span><span class=\"S2C43 S2669 S2\" id=\"t15_136\">134,675 </span><span class=\"S2C44 S2669 S2\" id=\"t16_136\">15,327 </span><span class=\"S2C45 S2669 S2\" id=\"t17_136\">101,052 </span><span class=\"S2C46 S2669 S2\" id=\"t18_136\">278,680 </span><span class=\"S2C47 S2669 S2\" id=\"t19_136\">577,643 </span><span class=\"S2C48 S2669 S2\" id=\"t1a_136\">265 </span><span class=\"S2C49 S2669 S2\" id=\"t1b_136\">39,892 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_136\">634,250 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_136\">1,105,353 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_136\">1,739,603 </span><span class=\"S2C4D S266A S2\" id=\"t1f_136\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1g_136\">120,553 </span><span class=\"S2C4F S266A S2\" id=\"t1h_136\">194,092 </span><span class=\"S2C50 S266A S2\" id=\"t1i_136\">62,610 </span><span class=\"S2C51 S266A S2\" id=\"t1j_136\">44,277 </span><span class=\"S2C52 S266A S2\" id=\"t1k_136\">127,345 </span><span class=\"S2C53 S266A S2\" id=\"t1l_136\">134,675 </span><span class=\"S2C54 S266A S2\" id=\"t1m_136\">15,327 </span><span class=\"S2C55 S266A S2\" id=\"t1n_136\">100,597 </span><span class=\"S2C56 S266A S2\" id=\"t1o_136\">278,680 </span><span class=\"S2C57 S266A S2\" id=\"t1p_136\">577,643 </span><span class=\"S2C58 S266A S2\" id=\"t1q_136\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_136\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_136\">604,515 </span><span class=\"S2C5B S266A S2\" id=\"t1t_136\">1,051,284 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_136\">1,655,799 </span><span class=\"S2C5C S266A S2\" id=\"t1v_136\">variable rate </span><span class=\"S2C5D S266A S2\" id=\"t1w_136\">29,462 </span><span class=\"S2C5E S266A S2\" id=\"t1x_136\">1 </span><span class=\"S2C5F S266A S2\" id=\"t1y_136\">1 </span><span class=\"S2C60 S266A S2\" id=\"t1z_136\">13,721 </span><span class=\"S2C61 S266A S2\" id=\"t20_136\">7 </span><span class=\"S2C62 S266A S2\" id=\"t21_136\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_136\">- </span><span class=\"S2C64 S266A S2\" id=\"t23_136\">455 </span><span class=\"S2C65 S266A S2\" id=\"t24_136\">- </span><span class=\"S2C66 S266A S2\" id=\"t25_136\">- </span><span class=\"S2C67 S266A S2\" id=\"t26_136\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_136\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_136\">29,470 </span><span class=\"S2C6A S266A S2\" id=\"t29_136\">14,177 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_136\">43,647 </span><span class=\"S2C6C S266A S2\" id=\"t2b_136\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2c_136\">- </span><span class=\"S2C6E S266A S2\" id=\"t2d_136\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_136\">- </span><span class=\"S2C70 S266A S2\" id=\"t2f_136\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_136\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_136\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_136\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_136\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_136\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_136\">- </span><span class=\"S2C77 S266A S2\" id=\"t2m_136\">265 </span><span class=\"S2C78 S266A S2\" id=\"t2n_136\">39,892 </span><span class=\"S2C79 S266A S2\" id=\"t2o_136\">265 </span><span class=\"S2C7A S266A S2\" id=\"t2p_136\">39,892 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_136\">40,157 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_136\">Securities at amortized cost </span><span class=\"S2C7D S2669 S2\" id=\"t2s_136\">197,317 </span><span class=\"S2C7E S2669 S2\" id=\"t2t_136\">364,928 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_136\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_136\">61,623 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_136\">375,979 </span><span class=\"S2C82 S2669 S2\" id=\"t2x_136\">216,496 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_136\">288,026 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_136\">48,565 </span><span class=\"S2C85 S2669 S2\" id=\"t30_136\">2,247,457 </span><span class=\"S2C86 S2669 S2\" id=\"t31_136\">1,091,547 </span><span class=\"S2C87 S2669 S2\" id=\"t32_136\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_136\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_136\">3,108,779 </span><span class=\"S2C8A S2669 S2\" id=\"t35_136\">1,783,159 </span><span class=\"S2B1F S2669 S2\" id=\"t36_136\">4,891,938 </span><span class=\"S2C8B S266A S2\" id=\"t37_136\">fixed rate </span><span class=\"S2C8C S266A S2\" id=\"t38_136\">177,967 </span><span class=\"S2C8D S266A S2\" id=\"t39_136\">364,928 </span><span class=\"S2C8E S266A S2\" id=\"t3a_136\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_136\">56,550 </span><span class=\"S2C90 S266A S2\" id=\"t3c_136\">375,979 </span><span class=\"S2C91 S266A S2\" id=\"t3d_136\">216,496 </span><span class=\"S2C92 S266A S2\" id=\"t3e_136\">288,026 </span><span class=\"S2C93 S266A S2\" id=\"t3f_136\">48,565 </span><span class=\"S2C94 S266A S2\" id=\"t3g_136\">2,247,457 </span><span class=\"S2C95 S266A S2\" id=\"t3h_136\">1,090,235 </span><span class=\"S2C96 S266A S2\" id=\"t3i_136\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_136\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_136\">3,089,429 </span><span class=\"S2C99 S266A S2\" id=\"t3l_136\">1,776,774 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_136\">4,866,203 </span><span class=\"S2C9A S266A S2\" id=\"t3n_136\">variable rate </span><span class=\"S2C9B S266A S2\" id=\"t3o_136\">19,350 </span><span class=\"S2C9C S266A S2\" id=\"t3p_136\">- </span><span class=\"S2C9D S266A S2\" id=\"t3q_136\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_136\">5,073 </span><span class=\"S2C9F S266A S2\" id=\"t3s_136\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_136\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_136\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_136\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_136\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3x_136\">1,312 </span><span class=\"S2CA5 S266A S2\" id=\"t3y_136\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_136\">- </span><span class=\"S2CA7 S266A S2\" id=\"t40_136\">19,350 </span><span class=\"S2CA8 S266A S2\" id=\"t41_136\">6,385 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_136\">25,735 </span><span class=\"S2CAA S266A S2\" id=\"t43_136\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t44_136\">- </span><span class=\"S2CAC S266A S2\" id=\"t45_136\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_136\">- </span><span class=\"S2CAE S266A S2\" id=\"t47_136\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_136\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_136\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_136\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_136\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_136\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_136\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_136\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_136\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_136\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_136\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_136\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_136\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_136\">allowance for loan losses </span><span class=\"S2CBC S2669 S2\" id=\"t4l_136\">186,499 </span><span class=\"S2CBD S2669 S2\" id=\"t4m_136\">6,653,388 </span><span class=\"S2CBE S2669 S2\" id=\"t4n_136\">2,251,999 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_136\">2,762,858 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_136\">77,681 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_136\">1,428,579 </span><span class=\"S2CC2 S2669 S2\" id=\"t4r_136\">38,430 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_136\">403,633 </span><span class=\"S2CC4 S2669 S2\" id=\"t4t_136\">961,205 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_136\">1,116,179 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_136\">129,999 </span><span class=\"S2CC7 S2669 S2\" id=\"t4w_136\">84,008 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_136\">3,645,813 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_136\">12,448,645 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_136\">16,094,458 </span><span class=\"S2B6F S266A S2\" id=\"t50_136\">fixed rate </span><span class=\"S2CCB S266A S2\" id=\"t51_136\">20,139 </span><span class=\"S2CCC S266A S2\" id=\"t52_136\">1,643,455 </span><span class=\"S2CCD S266A S2\" id=\"t53_136\">1,160,027 </span><span class=\"S2CCE S266A S2\" id=\"t54_136\">324,583 </span><span class=\"S2CCF S266A S2\" id=\"t55_136\">14,300 </span><span class=\"S2CD0 S266A S2\" id=\"t56_136\">565,806 </span><span class=\"S2CD1 S266A S2\" id=\"t57_136\">11,987 </span><span class=\"S2CD2 S266A S2\" id=\"t58_136\">344,884 </span><span class=\"S2CD3 S266A S2\" id=\"t59_136\">290,461 </span><span class=\"S2CD4 S266A S2\" id=\"t5a_136\">1,016,774 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_136\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_136\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_136\">1,496,914 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_136\">3,895,502 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_136\">5,392,416 </span><span class=\"S2B7F S266A S2\" id=\"t5g_136\">variable rate </span><span class=\"S2CDA S266A S2\" id=\"t5h_136\">166,360 </span><span class=\"S2CDB S266A S2\" id=\"t5i_136\">5,009,933 </span><span class=\"S2CDC S266A S2\" id=\"t5j_136\">1,091,972 </span><span class=\"S2CDD S266A S2\" id=\"t5k_136\">2,438,275 </span><span class=\"S2CDE S266A S2\" id=\"t5l_136\">63,381 </span><span class=\"S2CDF S266A S2\" id=\"t5m_136\">862,773 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_136\">26,443 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_136\">58,749 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_136\">670,744 </span><span class=\"S2CE3 S266A S2\" id=\"t5q_136\">99,405 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_136\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_136\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_136\">2,018,900 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_136\">8,469,135 </span><span class=\"S2CE8 S2669 S2\" id=\"t5v_136\">10,488,035 </span><span class=\"S2B8F S266A S2\" id=\"t5w_136\">non-interest-bearing </span><span class=\"S2CE9 S266A S2\" id=\"t5x_136\">- </span><span class=\"S2CEA S266A S2\" id=\"t5y_136\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_136\">- </span><span class=\"S2CEC S266A S2\" id=\"t60_136\">- </span><span class=\"S2CED S266A S2\" id=\"t61_136\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_136\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_136\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_136\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_136\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_136\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_136\">129,999 </span><span class=\"S2CF4 S266A S2\" id=\"t68_136\">84,008 </span><span class=\"S2CF5 S266A S2\" id=\"t69_136\">129,999 </span><span class=\"S2CF6 S266A S2\" id=\"t6a_136\">84,008 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_136\">214,007 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_136\">Finance lease receivables </span><span class=\"S2CF9 S2669 S2\" id=\"t6d_136\">70,923 </span><span class=\"S2CFA S2669 S2\" id=\"t6e_136\">326,963 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_136\">10,843 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_136\">147,623 </span><span class=\"S2CFD S2669 S2\" id=\"t6h_136\">21,539 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_136\">183,361 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_136\">30,106 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_136\">94,727 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_136\">217,805 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_136\">182,904 </span><span class=\"S2D03 S2669 S2\" id=\"t6n_136\">194 </span><span class=\"S2D04 S2669 S2\" id=\"t6o_136\">11,764 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_136\">351,410 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_136\">947,342 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_136\">1,298,752 </span><span class=\"S2D08 S266A S2\" id=\"t6s_136\">fixed rate </span><span class=\"S2D09 S266A S2\" id=\"t6t_136\">5,969 </span><span class=\"S2D0A S266A S2\" id=\"t6u_136\">144,070 </span><span class=\"S2D0B S266A S2\" id=\"t6v_136\">818 </span><span class=\"S2D0C S266A S2\" id=\"t6w_136\">8,234 </span><span class=\"S2D0D S266A S2\" id=\"t6x_136\">8,971 </span><span class=\"S2D0E S266A S2\" id=\"t6y_136\">36,041 </span><span class=\"S2D0F S266A S2\" id=\"t6z_136\">29,796 </span><span class=\"S2D10 S266A S2\" id=\"t70_136\">34,165 </span><span class=\"S2D11 S266A S2\" id=\"t71_136\">207,861 </span><span class=\"S2D12 S266A S2\" id=\"t72_136\">75,332 </span><span class=\"S2D13 S266A S2\" id=\"t73_136\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_136\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_136\">253,415 </span><span class=\"S2D16 S266A S2\" id=\"t76_136\">297,842 </span><span class=\"S2BAF S2669 S2\" id=\"t77_136\">551,257 </span><span class=\"S2D17 S266A S2\" id=\"t78_136\">variable rate </span><span class=\"S2D18 S266A S2\" id=\"t79_136\">64,954 </span><span class=\"S2D19 S266A S2\" id=\"t7a_136\">182,893 </span><span class=\"S2D1A S266A S2\" id=\"t7b_136\">10,025 </span><span class=\"S2D1B S266A S2\" id=\"t7c_136\">139,389 </span><span class=\"S2D1C S266A S2\" id=\"t7d_136\">12,568 </span><span class=\"S2D1D S266A S2\" id=\"t7e_136\">147,320 </span><span class=\"S2D1E S266A S2\" id=\"t7f_136\">310 </span><span class=\"S2D1F S266A S2\" id=\"t7g_136\">60,562 </span><span class=\"S2D20 S266A S2\" id=\"t7h_136\">9,944 </span><span class=\"S2D21 S266A S2\" id=\"t7i_136\">107,572 </span><span class=\"S2D22 S266A S2\" id=\"t7j_136\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_136\">- </span><span class=\"S2D24 S266A S2\" id=\"t7l_136\">97,801 </span><span class=\"S2D25 S266A S2\" id=\"t7m_136\">637,736 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_136\">735,537 </span><span class=\"S2D27 S266A S2\" id=\"t7o_136\">non-interest-bearing </span><span class=\"S2D28 S266A S2\" id=\"t7p_136\">- </span><span class=\"S2D29 S266A S2\" id=\"t7q_136\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_136\">- </span><span class=\"S2D2B S266A S2\" id=\"t7s_136\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_136\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_136\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_136\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_136\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_136\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_136\">- </span><span class=\"S2D32 S266A S2\" id=\"t7z_136\">194 </span><span class=\"S2D33 S266A S2\" id=\"t80_136\">11,764 </span><span class=\"S2D34 S266A S2\" id=\"t81_136\">194 </span><span class=\"S2D35 S266A S2\" id=\"t82_136\">11,764 </span><span class=\"S2BCF S2669 S2\" id=\"t83_136\">11,958 </span><span class=\"S2D36 S2669 S2\" id=\"t84_136\">Loans mandatorily at fair value </span><span class=\"S2D37 S2669 S2\" id=\"t85_136\">through profit or loss </span><span class=\"S2D38 S2669 S2\" id=\"t86_136\">26,449 </span><span class=\"S2D39 S2669 S2\" id=\"t87_136\">- </span><span class=\"S2D3A S2669 S2\" id=\"t88_136\">10,992 </span><span class=\"S2D3B S2669 S2\" id=\"t89_136\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_136\">70,371 </span><span class=\"S1381 S2669 S2\" id=\"t8b_136\">- </span><span class=\"S2D3D S2669 S2\" id=\"t8c_136\">231,141 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_136\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_136\">908,461 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_136\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_136\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_136\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_136\">1,247,414 </span><span class=\"S2D44 S2669 S2\" id=\"t8j_136\">- </span><span class=\"S2D45 S2669 S2\" id=\"t8k_136\">1,247,414 </span><span class=\"S2D46 S266A S2\" id=\"t8l_136\">fixed rate </span><span class=\"S2D47 S266A S2\" id=\"t8m_136\">- </span><span class=\"S2D48 S266A S2\" id=\"t8n_136\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_136\">- </span><span class=\"S240F S266A S2\" id=\"t8p_136\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_136\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_136\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_136\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_136\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_136\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_136\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_136\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_136\">- </span><span class=\"S2D52 S266A S2\" id=\"t8y_136\">- </span><span class=\"S2D53 S266A S2\" id=\"t8z_136\">- </span><span class=\"S2D54 S2669 S2\" id=\"t90_136\">- </span><span class=\"S2D55 S266A S2\" id=\"t91_136\">variable rate </span><span class=\"S2D56 S266A S2\" id=\"t92_136\">26,449 </span><span class=\"S2D57 S266A S2\" id=\"t93_136\">- </span><span class=\"S2D58 S266A S2\" id=\"t94_136\">10,992 </span><span class=\"S2D59 S266A S2\" id=\"t95_136\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_136\">70,371 </span><span class=\"S2D5B S266A S2\" id=\"t97_136\">- </span><span class=\"S2D5C S266A S2\" id=\"t98_136\">231,141 </span><span class=\"S2D5D S266A S2\" id=\"t99_136\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_136\">908,461 </span><span class=\"S2D5F S266A S2\" id=\"t9b_136\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_136\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_136\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_136\">1,247,414 </span><span class=\"S2D63 S266A S2\" id=\"t9f_136\">- </span><span class=\"S2D64 S2669 S2\" id=\"t9g_136\">1,247,414 </span><span class=\"S2D65 S266A S2\" id=\"t9h_136\">non-interest-bearing </span><span class=\"S2D66 S266A S2\" id=\"t9i_136\">- </span><span class=\"S2D67 S266A S2\" id=\"t9j_136\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_136\">- </span><span class=\"S2D69 S266A S2\" id=\"t9l_136\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_136\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_136\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_136\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_136\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_136\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_136\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_136\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_136\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_136\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_136\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_136\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_136\">Fair value adjustment of derivative </span><span class=\"S2D75 S2669 S2\" id=\"t9y_136\">financial instruments </span><span class=\"S2D76 S2669 S2\" id=\"t9z_136\">1,808,603 </span><span class=\"S2D77 S2669 S2\" id=\"ta0_136\">3,091,633 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_136\">906,446 </span><span class=\"S2D79 S2669 S2\" id=\"ta2_136\">1,424,864 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_136\">485,449 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_136\">545,738 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_136\">36,682 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_136\">35,986 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_136\">183,664 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_136\">98,654 </span><span class=\"S2D80 S2669 S2\" id=\"ta9_136\">28,204 </span><span class=\"S2D81 S2669 S2\" id=\"taa_136\">730,436 </span><span class=\"S2D82 S2669 S2\" id=\"tab_136\">3,449,048 </span><span class=\"S2D83 S2669 S2\" id=\"tac_136\">5,927,311 </span><span class=\"S2D84 S2669 S2\" id=\"tad_136\">9,376,359 </span><span class=\"S2D85 S266A S2\" id=\"tae_136\">fixed rate </span><span class=\"S2D86 S266A S2\" id=\"taf_136\">1,687,569 </span><span class=\"S2D87 S266A S2\" id=\"tag_136\">3,023,972 </span><span class=\"S2D88 S266A S2\" id=\"tah_136\">428,080 </span><span class=\"S2D89 S266A S2\" id=\"tai_136\">879,090 </span><span class=\"S2D8A S266A S2\" id=\"taj_136\">271,921 </span><span class=\"S2D8B S266A S2\" id=\"tak_136\">518,869 </span><span class=\"S2D8C S266A S2\" id=\"tal_136\">36,682 </span><span class=\"S2D8D S266A S2\" id=\"tam_136\">35,986 </span><span class=\"S2D8E S266A S2\" id=\"tan_136\">183,664 </span><span class=\"S2D8F S266A S2\" id=\"tao_136\">98,654 </span><span class=\"S2D90 S266A S2\" id=\"tap_136\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_136\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_136\">2,607,916 </span><span class=\"S2D93 S266A S2\" id=\"tas_136\">4,556,571 </span><span class=\"S2D94 S2669 S2\" id=\"tat_136\">7,164,487 </span><span class=\"S2D95 S266A S2\" id=\"tau_136\">variable rate </span><span class=\"S2D96 S266A S2\" id=\"tav_136\">121,034 </span><span class=\"S2D97 S266A S2\" id=\"taw_136\">67,661 </span><span class=\"S2D98 S266A S2\" id=\"tax_136\">478,366 </span><span class=\"S2D99 S266A S2\" id=\"tay_136\">545,774 </span><span class=\"S2D9A S266A S2\" id=\"taz_136\">213,528 </span><span class=\"S2D9B S266A S2\" id=\"tb0_136\">26,869 </span><span class=\"S2D9C S266A S2\" id=\"tb1_136\">- </span><span class=\"S2D9D S266A S2\" id=\"tb2_136\">- </span><span class=\"S2D9E S266A S2\" id=\"tb3_136\">- </span><span class=\"S2D9F S266A S2\" id=\"tb4_136\">- </span><span class=\"S2DA0 S266A S2\" id=\"tb5_136\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_136\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_136\">812,928 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_136\">640,304 </span><span class=\"S2DA4 S2669 S2\" id=\"tb9_136\">1,453,232 </span><span class=\"S2DA5 S266A S2\" id=\"tba_136\">non-interest-bearing </span><span class=\"S2DA6 S266A S2\" id=\"tbb_136\">- </span><span class=\"S2DA7 S266A S2\" id=\"tbc_136\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_136\">- </span><span class=\"S2DA9 S266A S2\" id=\"tbe_136\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_136\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_136\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_136\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_136\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_136\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_136\">- </span><span class=\"S2DB0 S266A S2\" id=\"tbl_136\">28,204 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_136\">730,436 </span><span class=\"S2DB2 S266A S2\" id=\"tbn_136\">28,204 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_136\">730,436 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_136\">758,640 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_136\">Other financial assets </span><span class=\"S2DB6 S2669 S2\" id=\"tbr_136\">2,217 </span><span class=\"S2DB7 S2669 S2\" id=\"tbs_136\">25,400 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_136\">2,703 </span><span class=\"S2DB9 S2669 S2\" id=\"tbu_136\">1,316 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_136\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_136\">712 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_136\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_136\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_136\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_136\">143 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_136\">93,577 </span><span class=\"S2DC1 S2669 S2\" id=\"tc2_136\">136,913 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_136\">98,497 </span><span class=\"S2DC3 S2669 S2\" id=\"tc4_136\">164,484 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_136\">262,981 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_136\">fixed rate </span><span class=\"S2DC6 S266A S2\" id=\"tc7_136\">2,217 </span><span class=\"S2DC7 S266A S2\" id=\"tc8_136\">14,552 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_136\">2,504 </span><span class=\"S2DC9 S266A S2\" id=\"tca_136\">1,018 </span><span class=\"S2DCA S266A S2\" id=\"tcb_136\">- </span><span class=\"S2DCB S266A S2\" id=\"tcc_136\">712 </span><span class=\"S2DCC S266A S2\" id=\"tcd_136\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_136\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_136\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_136\">123 </span><span class=\"S2DD0 S266A S2\" id=\"tch_136\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_136\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_136\">4,721 </span><span class=\"S2DD3 S266A S2\" id=\"tck_136\">16,405 </span><span class=\"S2DD4 S2669 S2\" id=\"tcl_136\">21,126 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_136\">variable rate </span><span class=\"S2DD6 S266A S2\" id=\"tcn_136\">- </span><span class=\"S2DD7 S266A S2\" id=\"tco_136\">10,848 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_136\">199 </span><span class=\"S2DD9 S266A S2\" id=\"tcq_136\">298 </span><span class=\"S2DDA S266A S2\" id=\"tcr_136\">- </span><span class=\"S2DDB S266A S2\" id=\"tcs_136\">- </span><span class=\"S2DDC S266A S2\" id=\"tct_136\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_136\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_136\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_136\">20 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_136\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_136\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_136\">199 </span><span class=\"S2DE3 S266A S2\" id=\"td0_136\">11,166 </span><span class=\"S2DE4 S2669 S2\" id=\"td1_136\">11,365 </span><span class=\"S2DE5 S266A S2\" id=\"td2_136\">non-interest-bearing </span><span class=\"S2DE6 S266A S2\" id=\"td3_136\">- </span><span class=\"S2DE7 S266A S2\" id=\"td4_136\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_136\">- </span><span class=\"S2DE9 S266A S2\" id=\"td6_136\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_136\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_136\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_136\">- </span><span class=\"S2DED S266A S2\" id=\"tda_136\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_136\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_136\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_136\">93,577 </span><span class=\"S2DF1 S266A S2\" id=\"tde_136\">136,913 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_136\">93,577 </span><span class=\"S2DF3 S266A S2\" id=\"tdg_136\">136,913 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_136\">230,490 </span><span class=\"S2AC1 SB S2\" id=\"t5_137\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_137\">As at 31 December 2022 [continued] </span><span class=\"S2DF6 S2669 S2\" id=\"t7_137\">LIABILITIES </span><span class=\"S2DF7 S2669 S2\" id=\"t8_137\">Within 1 month </span><span class=\"S2DF8 S2669 S2\" id=\"t9_137\">Over 1 month and </span><span class=\"S2DF9 S2669 S2\" id=\"ta_137\">Within 3 months </span><span class=\"S2DFA S2669 S2\" id=\"tb_137\">Over 3 months and </span><span class=\"S2DFB S2669 S2\" id=\"tc_137\">Within 12 months </span><span class=\"S2DFC S2669 S2\" id=\"td_137\">Over 1 year and </span><span class=\"S2DFD S2669 S2\" id=\"te_137\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_137\">Over 2 years </span><span class=\"S2DFF S2669 S2\" id=\"tg_137\">Non-interest- </span><span class=\"S2E00 S2669 S2\" id=\"th_137\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_137\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_137\">Total </span><span class=\"S2E01 S2669 S2\" id=\"tk_137\">HUF </span><span class=\"S2E02 S2669 S2\" id=\"tl_137\">Currency </span><span class=\"S2E03 S2669 S2\" id=\"tm_137\">HUF </span><span class=\"S2E04 S2669 S2\" id=\"tn_137\">Currency </span><span class=\"S2E05 S2669 S2\" id=\"to_137\">HUF </span><span class=\"S2E06 S2669 S2\" id=\"tp_137\">Currency </span><span class=\"S2E07 S2669 S2\" id=\"tq_137\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_137\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_137\">HUF </span><span class=\"S2E0A S2669 S2\" id=\"tt_137\">Currency </span><span class=\"S2E0B S2669 S2\" id=\"tu_137\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_137\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_137\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_137\">Currency </span><span class=\"S2E0C S2669 S2\" id=\"ty_137\">Amounts due to banks, the Hungarian </span><span class=\"S2E0D S2669 S2\" id=\"tz_137\">Government, deposits </span><span class=\"S2E0E S2669 S2\" id=\"t10_137\">from the National Bank of Hungary and </span><span class=\"S2E0F S2669 S2\" id=\"t11_137\">other banks </span><span class=\"S2E10 S2669 S2\" id=\"t12_137\">17,358 </span><span class=\"S2E11 S2669 S2\" id=\"t13_137\">187,834 </span><span class=\"S2E12 S2669 S2\" id=\"t14_137\">27,239 </span><span class=\"S2E13 S2669 S2\" id=\"t15_137\">55,363 </span><span class=\"S2E14 S2669 S2\" id=\"t16_137\">109,518 </span><span class=\"S2E15 S2669 S2\" id=\"t17_137\">80,566 </span><span class=\"S2E16 S2669 S2\" id=\"t18_137\">71,613 </span><span class=\"S2E17 S2669 S2\" id=\"t19_137\">5,187 </span><span class=\"S2E18 S2669 S2\" id=\"t1a_137\">751,109 </span><span class=\"S2E19 S2669 S2\" id=\"t1b_137\">42,918 </span><span class=\"S2E1A S2669 S2\" id=\"t1c_137\">81,757 </span><span class=\"S2E1B S2669 S2\" id=\"t1d_137\">32,696 </span><span class=\"S2E1C S2669 S2\" id=\"t1e_137\">1,058,594 </span><span class=\"S2E1D S2669 S2\" id=\"t1f_137\">404,564 </span><span class=\"S2AFF S2669 S2\" id=\"t1g_137\">1,463,158 </span><span class=\"S2E1E S266A S2\" id=\"t1h_137\">fixed rate </span><span class=\"S2E1F S266A S2\" id=\"t1i_137\">12,847 </span><span class=\"S2E20 S266A S2\" id=\"t1j_137\">62,086 </span><span class=\"S2E21 S266A S2\" id=\"t1k_137\">27,239 </span><span class=\"S2E22 S266A S2\" id=\"t1l_137\">5,079 </span><span class=\"S2E23 S266A S2\" id=\"t1m_137\">109,518 </span><span class=\"S2E24 S266A S2\" id=\"t1n_137\">70,661 </span><span class=\"S2E25 S266A S2\" id=\"t1o_137\">71,613 </span><span class=\"S2E26 S266A S2\" id=\"t1p_137\">5,182 </span><span class=\"S2E27 S266A S2\" id=\"t1q_137\">751,109 </span><span class=\"S2E28 S266A S2\" id=\"t1r_137\">42,913 </span><span class=\"S2E29 S266A S2\" id=\"t1s_137\">- </span><span class=\"S2E2A S266A S2\" id=\"t1t_137\">- </span><span class=\"S2E2B S266A S2\" id=\"t1u_137\">972,326 </span><span class=\"S2E2C S266A S2\" id=\"t1v_137\">185,921 </span><span class=\"S2E2D S2669 S2\" id=\"t1w_137\">1,158,247 </span><span class=\"S2E2E S266A S2\" id=\"t1x_137\">variable rate </span><span class=\"S2E2F S266A S2\" id=\"t1y_137\">4,511 </span><span class=\"S2E30 S266A S2\" id=\"t1z_137\">125,748 </span><span class=\"S2E31 S266A S2\" id=\"t20_137\">- </span><span class=\"S2E32 S266A S2\" id=\"t21_137\">50,284 </span><span class=\"S2E33 S266A S2\" id=\"t22_137\">- </span><span class=\"S2E34 S266A S2\" id=\"t23_137\">9,905 </span><span class=\"S2E35 S266A S2\" id=\"t24_137\">- </span><span class=\"S2E36 S266A S2\" id=\"t25_137\">5 </span><span class=\"S2E37 S266A S2\" id=\"t26_137\">- </span><span class=\"S2E38 S266A S2\" id=\"t27_137\">5 </span><span class=\"S2C87 S266A S2\" id=\"t28_137\">- </span><span class=\"S2C88 S266A S2\" id=\"t29_137\">- </span><span class=\"S2E39 S266A S2\" id=\"t2a_137\">4,511 </span><span class=\"S2E3A S266A S2\" id=\"t2b_137\">185,947 </span><span class=\"S2E3B S2669 S2\" id=\"t2c_137\">190,458 </span><span class=\"S2E3C S266A S2\" id=\"t2d_137\">non-interest-bearing </span><span class=\"S2E3D S266A S2\" id=\"t2e_137\">- </span><span class=\"S2E3E S266A S2\" id=\"t2f_137\">- </span><span class=\"S2E3F S266A S2\" id=\"t2g_137\">- </span><span class=\"S2E40 S266A S2\" id=\"t2h_137\">- </span><span class=\"S2E41 S266A S2\" id=\"t2i_137\">- </span><span class=\"S2E42 S266A S2\" id=\"t2j_137\">- </span><span class=\"S2E43 S266A S2\" id=\"t2k_137\">- </span><span class=\"S2E44 S266A S2\" id=\"t2l_137\">- </span><span class=\"S2E45 S266A S2\" id=\"t2m_137\">- </span><span class=\"S2E46 S266A S2\" id=\"t2n_137\">- </span><span class=\"S2E47 S266A S2\" id=\"t2o_137\">81,757 </span><span class=\"S2E48 S266A S2\" id=\"t2p_137\">32,696 </span><span class=\"S2E49 S266A S2\" id=\"t2q_137\">81,757 </span><span class=\"S2E4A S266A S2\" id=\"t2r_137\">32,696 </span><span class=\"S2E4B S2669 S2\" id=\"t2s_137\">114,453 </span><span class=\"S2E4C S2669 S2\" id=\"t2t_137\">Repo liabilities </span><span class=\"S2E4D S2669 S2\" id=\"t2u_137\">29,145 </span><span class=\"S2E4E S2669 S2\" id=\"t2v_137\">188,121 </span><span class=\"S2E4F S2669 S2\" id=\"t2w_137\">98 </span><span class=\"S2E50 S2669 S2\" id=\"t2x_137\">5 </span><span class=\"S2E51 S2669 S2\" id=\"t2y_137\">- </span><span class=\"S2E52 S2669 S2\" id=\"t2z_137\">- </span><span class=\"S2E53 S2669 S2\" id=\"t30_137\">- </span><span class=\"S2E54 S2669 S2\" id=\"t31_137\">- </span><span class=\"S2E55 S2669 S2\" id=\"t32_137\">- </span><span class=\"S2E56 S2669 S2\" id=\"t33_137\">- </span><span class=\"S2CA5 S2669 S2\" id=\"t34_137\">- </span><span class=\"S2CA6 S2669 S2\" id=\"t35_137\">- </span><span class=\"S2CA7 S2669 S2\" id=\"t36_137\">29,243 </span><span class=\"S2E57 S2669 S2\" id=\"t37_137\">188,126 </span><span class=\"S2B3F S2669 S2\" id=\"t38_137\">217,369 </span><span class=\"S2E58 S266A S2\" id=\"t39_137\">fixed rate </span><span class=\"S2E59 S266A S2\" id=\"t3a_137\">29,143 </span><span class=\"S2E5A S266A S2\" id=\"t3b_137\">5 </span><span class=\"S2E5B S266A S2\" id=\"t3c_137\">98 </span><span class=\"S2E5C S266A S2\" id=\"t3d_137\">5 </span><span class=\"S2E5D S266A S2\" id=\"t3e_137\">- </span><span class=\"S2E5E S266A S2\" id=\"t3f_137\">- </span><span class=\"S2E5F S266A S2\" id=\"t3g_137\">- </span><span class=\"S2E60 S266A S2\" id=\"t3h_137\">- </span><span class=\"S2E61 S266A S2\" id=\"t3i_137\">- </span><span class=\"S2E62 S266A S2\" id=\"t3j_137\">- </span><span class=\"S2CB5 S266A S2\" id=\"t3k_137\">- </span><span class=\"S2CB6 S266A S2\" id=\"t3l_137\">- </span><span class=\"S2E63 S266A S2\" id=\"t3m_137\">29,241 </span><span class=\"S2E64 S266A S2\" id=\"t3n_137\">10 </span><span class=\"S2E65 S2669 S2\" id=\"t3o_137\">29,251 </span><span class=\"S2E66 S266A S2\" id=\"t3p_137\">variable rate </span><span class=\"S2E67 S266A S2\" id=\"t3q_137\">2 </span><span class=\"S2E68 S266A S2\" id=\"t3r_137\">188,116 </span><span class=\"S2E69 S266A S2\" id=\"t3s_137\">- </span><span class=\"S2E6A S266A S2\" id=\"t3t_137\">- </span><span class=\"S2E6B S266A S2\" id=\"t3u_137\">- </span><span class=\"S2E6C S266A S2\" id=\"t3v_137\">- </span><span class=\"S2E6D S266A S2\" id=\"t3w_137\">- </span><span class=\"S2E6E S266A S2\" id=\"t3x_137\">- </span><span class=\"S2E6F S266A S2\" id=\"t3y_137\">- </span><span class=\"S2E70 S266A S2\" id=\"t3z_137\">- </span><span class=\"S2E71 S266A S2\" id=\"t40_137\">- </span><span class=\"S2E72 S266A S2\" id=\"t41_137\">- </span><span class=\"S2E73 S266A S2\" id=\"t42_137\">2 </span><span class=\"S2E74 S266A S2\" id=\"t43_137\">188,116 </span><span class=\"S2B5E S2669 S2\" id=\"t44_137\">188,118 </span><span class=\"S2E75 S266A S2\" id=\"t45_137\">non-interest-bearing </span><span class=\"S2E76 S266A S2\" id=\"t46_137\">- </span><span class=\"S2E77 S266A S2\" id=\"t47_137\">- </span><span class=\"S2E78 S266A S2\" id=\"t48_137\">- </span><span class=\"S2E79 S266A S2\" id=\"t49_137\">- </span><span class=\"S2E7A S266A S2\" id=\"t4a_137\">- </span><span class=\"S2E7B S266A S2\" id=\"t4b_137\">- </span><span class=\"S2E7C S266A S2\" id=\"t4c_137\">- </span><span class=\"S2E7D S266A S2\" id=\"t4d_137\">- </span><span class=\"S2E7E S266A S2\" id=\"t4e_137\">- </span><span class=\"S2E7F S266A S2\" id=\"t4f_137\">- </span><span class=\"S2E80 S266A S2\" id=\"t4g_137\">- </span><span class=\"S2E81 S266A S2\" id=\"t4h_137\">- </span><span class=\"S2E82 S266A S2\" id=\"t4i_137\">- </span><span class=\"S2E83 S266A S2\" id=\"t4j_137\">- </span><span class=\"S2E84 S2669 S2\" id=\"t4k_137\">- </span><span class=\"S2E85 S2669 S2\" id=\"t4l_137\">Financial liabilities designated at fair value </span><span class=\"S2E86 S2669 S2\" id=\"t4m_137\">through profit or loss </span><span class=\"S2E87 S2669 S2\" id=\"t4n_137\">16,575 </span><span class=\"S2E88 S2669 S2\" id=\"t4o_137\">- </span><span class=\"S2E89 S2669 S2\" id=\"t4p_137\">- </span><span class=\"S2E8A S2669 S2\" id=\"t4q_137\">- </span><span class=\"S2E8B S2669 S2\" id=\"t4r_137\">- </span><span class=\"S2E8C S2669 S2\" id=\"t4s_137\">- </span><span class=\"S2E8D S2669 S2\" id=\"t4t_137\">- </span><span class=\"S2E8E S2669 S2\" id=\"t4u_137\">- </span><span class=\"S2E8F S2669 S2\" id=\"t4v_137\">- </span><span class=\"S2E90 S2669 S2\" id=\"t4w_137\">- </span><span class=\"S2E91 S2669 S2\" id=\"t4x_137\">37,616 </span><span class=\"S2CE5 S2669 S2\" id=\"t4y_137\">- </span><span class=\"S2E92 S2669 S2\" id=\"t4z_137\">54,191 </span><span class=\"S2E93 S2669 S2\" id=\"t50_137\">- </span><span class=\"S2E94 S2669 S2\" id=\"t51_137\">54,191 </span><span class=\"S2E95 S266A S2\" id=\"t52_137\">fixed rate </span><span class=\"S2E96 S266A S2\" id=\"t53_137\">26 </span><span class=\"S2E97 S266A S2\" id=\"t54_137\">- </span><span class=\"S2E98 S266A S2\" id=\"t55_137\">- </span><span class=\"S2E99 S266A S2\" id=\"t56_137\">- </span><span class=\"S2E9A S266A S2\" id=\"t57_137\">- </span><span class=\"S2E9B S266A S2\" id=\"t58_137\">- </span><span class=\"S2E9C S266A S2\" id=\"t59_137\">- </span><span class=\"S2E9D S266A S2\" id=\"t5a_137\">- </span><span class=\"S2E9E S266A S2\" id=\"t5b_137\">- </span><span class=\"S2E9F S266A S2\" id=\"t5c_137\">- </span><span class=\"S2EA0 S266A S2\" id=\"t5d_137\">- </span><span class=\"S2EA1 S266A S2\" id=\"t5e_137\">- </span><span class=\"S2EA2 S266A S2\" id=\"t5f_137\">26 </span><span class=\"S2EA3 S266A S2\" id=\"t5g_137\">- </span><span class=\"S2EA4 S2669 S2\" id=\"t5h_137\">26 </span><span class=\"S2EA5 S266A S2\" id=\"t5i_137\">variable rate </span><span class=\"S2EA6 S266A S2\" id=\"t5j_137\">16,549 </span><span class=\"S2EA7 S266A S2\" id=\"t5k_137\">- </span><span class=\"S2EA8 S266A S2\" id=\"t5l_137\">- </span><span class=\"S2EA9 S266A S2\" id=\"t5m_137\">- </span><span class=\"S2EAA S266A S2\" id=\"t5n_137\">- </span><span class=\"S2EAB S266A S2\" id=\"t5o_137\">- </span><span class=\"S2EAC S266A S2\" id=\"t5p_137\">- </span><span class=\"S2EAD S266A S2\" id=\"t5q_137\">- </span><span class=\"S2EAE S266A S2\" id=\"t5r_137\">- </span><span class=\"S2EAF S266A S2\" id=\"t5s_137\">- </span><span class=\"S2EB0 S266A S2\" id=\"t5t_137\">- </span><span class=\"S2EB1 S266A S2\" id=\"t5u_137\">- </span><span class=\"S2EB2 S266A S2\" id=\"t5v_137\">16,549 </span><span class=\"S2EB3 S266A S2\" id=\"t5w_137\">- </span><span class=\"S2EB4 S2669 S2\" id=\"t5x_137\">16,549 </span><span class=\"S2EB5 S266A S2\" id=\"t5y_137\">non-interest-bearing </span><span class=\"S2EB6 S266A S2\" id=\"t5z_137\">- </span><span class=\"S2EB7 S266A S2\" id=\"t60_137\">- </span><span class=\"S2EB8 S266A S2\" id=\"t61_137\">- </span><span class=\"S2EB9 S266A S2\" id=\"t62_137\">- </span><span class=\"S2EBA S266A S2\" id=\"t63_137\">- </span><span class=\"S2EBB S266A S2\" id=\"t64_137\">- </span><span class=\"S2EBC S266A S2\" id=\"t65_137\">- </span><span class=\"S2EBD S266A S2\" id=\"t66_137\">- </span><span class=\"S2EBE S266A S2\" id=\"t67_137\">- </span><span class=\"S2EBF S266A S2\" id=\"t68_137\">- </span><span class=\"S2EC0 S266A S2\" id=\"t69_137\">37,616 </span><span class=\"S2D14 S266A S2\" id=\"t6a_137\">- </span><span class=\"S2EC1 S266A S2\" id=\"t6b_137\">37,616 </span><span class=\"S2EC2 S266A S2\" id=\"t6c_137\">- </span><span class=\"S2EC3 S2669 S2\" id=\"t6d_137\">37,616 </span><span class=\"S2EC4 S2669 S2\" id=\"t6e_137\">Deposits from customers </span><span class=\"S2EC5 S2669 S2\" id=\"t6f_137\">7,466,580 </span><span class=\"S2EC6 S2669 S2\" id=\"t6g_137\">13,217,695 </span><span class=\"S2EC7 S2669 S2\" id=\"t6h_137\">292,239 </span><span class=\"S2EC8 S2669 S2\" id=\"t6i_137\">1,746,958 </span><span class=\"S2EC9 S2669 S2\" id=\"t6j_137\">153,147 </span><span class=\"S2ECA S2669 S2\" id=\"t6k_137\">869,141 </span><span class=\"S2ECB S2669 S2\" id=\"t6l_137\">37,952 </span><span class=\"S2ECC S2669 S2\" id=\"t6m_137\">154,101 </span><span class=\"S2ECD S2669 S2\" id=\"t6n_137\">220,222 </span><span class=\"S2ECE S2669 S2\" id=\"t6o_137\">189,032 </span><span class=\"S2ECF S2669 S2\" id=\"t6p_137\">14,525 </span><span class=\"S2ED0 S2669 S2\" id=\"t6q_137\">827,213 </span><span class=\"S2ED1 S2669 S2\" id=\"t6r_137\">8,184,665 </span><span class=\"S2ED2 S2669 S2\" id=\"t6s_137\">17,004,140 </span><span class=\"S2ED3 S2669 S2\" id=\"t6t_137\">25,188,805 </span><span class=\"S2ED4 S266A S2\" id=\"t6u_137\">fixed rate </span><span class=\"S2ED5 S266A S2\" id=\"t6v_137\">1,097,639 </span><span class=\"S2ED6 S266A S2\" id=\"t6w_137\">6,265,835 </span><span class=\"S2ED7 S266A S2\" id=\"t6x_137\">292,239 </span><span class=\"S2ED8 S266A S2\" id=\"t6y_137\">1,746,958 </span><span class=\"S2ED9 S266A S2\" id=\"t6z_137\">153,147 </span><span class=\"S2EDA S266A S2\" id=\"t70_137\">869,141 </span><span class=\"S2EDB S266A S2\" id=\"t71_137\">37,952 </span><span class=\"S2EDC S266A S2\" id=\"t72_137\">151,009 </span><span class=\"S2EDD S266A S2\" id=\"t73_137\">220,222 </span><span class=\"S2EDE S266A S2\" id=\"t74_137\">189,032 </span><span class=\"S2EDF S266A S2\" id=\"t75_137\">- </span><span class=\"S2EE0 S266A S2\" id=\"t76_137\">- </span><span class=\"S2EE1 S266A S2\" id=\"t77_137\">1,801,199 </span><span class=\"S2EE2 S266A S2\" id=\"t78_137\">9,221,975 </span><span class=\"S2EE3 S2669 S2\" id=\"t79_137\">11,023,174 </span><span class=\"S2EE4 S266A S2\" id=\"t7a_137\">variable rate </span><span class=\"S2EE5 S266A S2\" id=\"t7b_137\">6,368,941 </span><span class=\"S2EE6 S266A S2\" id=\"t7c_137\">6,951,860 </span><span class=\"S2EE7 S266A S2\" id=\"t7d_137\">- </span><span class=\"S2EE8 S266A S2\" id=\"t7e_137\">- </span><span class=\"S2EE9 S266A S2\" id=\"t7f_137\">- </span><span class=\"S2EEA S266A S2\" id=\"t7g_137\">- </span><span class=\"S2EEB S266A S2\" id=\"t7h_137\">- </span><span class=\"S2EEC S266A S2\" id=\"t7i_137\">3,092 </span><span class=\"S2EED S266A S2\" id=\"t7j_137\">- </span><span class=\"S2EEE S266A S2\" id=\"t7k_137\">- </span><span class=\"S2EEF S266A S2\" id=\"t7l_137\">- </span><span class=\"S2EF0 S266A S2\" id=\"t7m_137\">- </span><span class=\"S2EF1 S266A S2\" id=\"t7n_137\">6,368,941 </span><span class=\"S2EF2 S266A S2\" id=\"t7o_137\">6,954,952 </span><span class=\"S2EF3 S2669 S2\" id=\"t7p_137\">13,323,893 </span><span class=\"S2EF4 S266A S2\" id=\"t7q_137\">non-interest-bearing </span><span class=\"S2EF5 S266A S2\" id=\"t7r_137\">- </span><span class=\"S2EF6 S266A S2\" id=\"t7s_137\">- </span><span class=\"S2EF7 S266A S2\" id=\"t7t_137\">- </span><span class=\"S2EF8 S266A S2\" id=\"t7u_137\">- </span><span class=\"S2EF9 S266A S2\" id=\"t7v_137\">- </span><span class=\"S2EFA S266A S2\" id=\"t7w_137\">- </span><span class=\"S2EFB S266A S2\" id=\"t7x_137\">- </span><span class=\"S2EFC S266A S2\" id=\"t7y_137\">- </span><span class=\"S2EFD S266A S2\" id=\"t7z_137\">- </span><span class=\"S2EFE S266A S2\" id=\"t80_137\">- </span><span class=\"S2EFF S266A S2\" id=\"t81_137\">14,525 </span><span class=\"S2F00 S266A S2\" id=\"t82_137\">827,213 </span><span class=\"S2F01 S266A S2\" id=\"t83_137\">14,525 </span><span class=\"S2F02 S266A S2\" id=\"t84_137\">827,213 </span><span class=\"S2F03 S2669 S2\" id=\"t85_137\">841,738 </span><span class=\"S2F04 S2669 S2\" id=\"t86_137\">Liabilities from issued securities </span><span class=\"S2F05 S2669 S2\" id=\"t87_137\">1,878 </span><span class=\"S2F06 S2669 S2\" id=\"t88_137\">- </span><span class=\"S2F07 S2669 S2\" id=\"t89_137\">1,215 </span><span class=\"S2F08 S2669 S2\" id=\"t8a_137\">18 </span><span class=\"S2F09 S2669 S2\" id=\"t8b_137\">194,515 </span><span class=\"S2F0A S2669 S2\" id=\"t8c_137\">41 </span><span class=\"S2F0B S2669 S2\" id=\"t8d_137\">79,497 </span><span class=\"S2F0C S2669 S2\" id=\"t8e_137\">- </span><span class=\"S2F0D S2669 S2\" id=\"t8f_137\">145,295 </span><span class=\"S2F0E S2669 S2\" id=\"t8g_137\">448,205 </span><span class=\"S2D50 S2669 S2\" id=\"t8h_137\">- </span><span class=\"S2F0F S2669 S2\" id=\"t8i_137\">18 </span><span class=\"S2F10 S2669 S2\" id=\"t8j_137\">422,400 </span><span class=\"S2F11 S2669 S2\" id=\"t8k_137\">448,282 </span><span class=\"S2F12 S2669 S2\" id=\"t8l_137\">870,682 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_137\">fixed rate </span><span class=\"S2F13 S266A S2\" id=\"t8n_137\">211 </span><span class=\"S2F14 S266A S2\" id=\"t8o_137\">- </span><span class=\"S2F15 S266A S2\" id=\"t8p_137\">- </span><span class=\"S2F16 S266A S2\" id=\"t8q_137\">18 </span><span class=\"S2F17 S266A S2\" id=\"t8r_137\">44,390 </span><span class=\"S2F18 S266A S2\" id=\"t8s_137\">41 </span><span class=\"S2F19 S266A S2\" id=\"t8t_137\">79,497 </span><span class=\"S2F1A S266A S2\" id=\"t8u_137\">- </span><span class=\"S2F1B S266A S2\" id=\"t8v_137\">145,295 </span><span class=\"S2F1C S266A S2\" id=\"t8w_137\">448,205 </span><span class=\"S2D60 S266A S2\" id=\"t8x_137\">- </span><span class=\"S2D61 S266A S2\" id=\"t8y_137\">- </span><span class=\"S2F1D S266A S2\" id=\"t8z_137\">269,393 </span><span class=\"S2F1E S266A S2\" id=\"t90_137\">448,264 </span><span class=\"S2F1F S2669 S2\" id=\"t91_137\">717,657 </span><span class=\"S2C01 S266A S2\" id=\"t92_137\">variable rate </span><span class=\"S2F20 S266A S2\" id=\"t93_137\">1,667 </span><span class=\"S2F21 S266A S2\" id=\"t94_137\">- </span><span class=\"S2F22 S266A S2\" id=\"t95_137\">1,215 </span><span class=\"S2F23 S266A S2\" id=\"t96_137\">- </span><span class=\"S2F24 S266A S2\" id=\"t97_137\">150,125 </span><span class=\"S2F25 S266A S2\" id=\"t98_137\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_137\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_137\">- </span><span class=\"S2F28 S266A S2\" id=\"t9b_137\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_137\">- </span><span class=\"S2D70 S266A S2\" id=\"t9d_137\">- </span><span class=\"S2D71 S266A S2\" id=\"t9e_137\">- </span><span class=\"S2F2A S266A S2\" id=\"t9f_137\">153,007 </span><span class=\"S2D73 S266A S2\" id=\"t9g_137\">- </span><span class=\"S2F2B S2669 S2\" id=\"t9h_137\">153,007 </span><span class=\"S2C11 S266A S2\" id=\"t9i_137\">non-interest-bearing </span><span class=\"S2F2C S266A S2\" id=\"t9j_137\">- </span><span class=\"S2F2D S266A S2\" id=\"t9k_137\">- </span><span class=\"S2F2E S266A S2\" id=\"t9l_137\">- </span><span class=\"S2F2F S266A S2\" id=\"t9m_137\">- </span><span class=\"S2F30 S266A S2\" id=\"t9n_137\">- </span><span class=\"S2F31 S266A S2\" id=\"t9o_137\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_137\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_137\">- </span><span class=\"S2F34 S266A S2\" id=\"t9r_137\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_137\">- </span><span class=\"S2F36 S266A S2\" id=\"t9t_137\">- </span><span class=\"S2F37 S266A S2\" id=\"t9u_137\">18 </span><span class=\"S2F38 S266A S2\" id=\"t9v_137\">- </span><span class=\"S2F39 S266A S2\" id=\"t9w_137\">18 </span><span class=\"S2F3A S2669 S2\" id=\"t9x_137\">18 </span><span class=\"S2AC1 SB S2\" id=\"t5_138\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_138\">As at 31 December 2022 [continued] </span><span class=\"S2F3B S2669 S2\" id=\"t7_138\">LIABILITIES [continued] </span><span class=\"S2F3C S2669 S2\" id=\"t8_138\">Within 1 month </span><span class=\"S2C24 S2669 S2\" id=\"t9_138\">Over 1 month and </span><span class=\"S2C25 S2669 S2\" id=\"ta_138\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_138\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_138\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_138\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_138\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_138\">Over 2 years </span><span class=\"S2F3D S2669 S2\" id=\"tg_138\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_138\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_138\">Total </span><span class=\"S2F3F S2669 S2\" id=\"tj_138\">HUF </span><span class=\"S2F40 S2669 S2\" id=\"tk_138\">Currency </span><span class=\"S2C31 S2669 S2\" id=\"tl_138\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_138\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_138\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_138\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_138\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_138\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"tr_138\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_138\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_138\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_138\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_138\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_138\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_138\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_138\">financial instruments </span><span class=\"S2F47 S2669 S2\" id=\"tz_138\">2,868,787 </span><span class=\"S2F48 S2669 S2\" id=\"t10_138\">2,091,600 </span><span class=\"S2F49 S2669 S2\" id=\"t11_138\">478,930 </span><span class=\"S2F4A S2669 S2\" id=\"t12_138\">1,824,450 </span><span class=\"S2C42 S2669 S2\" id=\"t13_138\">577,862 </span><span class=\"S2F4B S2669 S2\" id=\"t14_138\">556,209 </span><span class=\"S2C44 S2669 S2\" id=\"t15_138\">22,780 </span><span class=\"S2F4C S2669 S2\" id=\"t16_138\">36,714 </span><span class=\"S2F4D S2669 S2\" id=\"t17_138\">118,071 </span><span class=\"S2C47 S2669 S2\" id=\"t18_138\">113,968 </span><span class=\"S2F4E S2669 S2\" id=\"t19_138\">246,135 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_138\">529,820 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_138\">4,312,565 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_138\">5,152,761 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_138\">9,465,326 </span><span class=\"S2C4D S266A S2\" id=\"t1e_138\">fixed rate </span><span class=\"S2F52 S266A S2\" id=\"t1f_138\">2,783,756 </span><span class=\"S2F53 S266A S2\" id=\"t1g_138\">1,945,423 </span><span class=\"S2F54 S266A S2\" id=\"t1h_138\">331,253 </span><span class=\"S2F55 S266A S2\" id=\"t1i_138\">972,676 </span><span class=\"S2C52 S266A S2\" id=\"t1j_138\">218,514 </span><span class=\"S2F56 S266A S2\" id=\"t1k_138\">531,863 </span><span class=\"S2C54 S266A S2\" id=\"t1l_138\">22,758 </span><span class=\"S2F57 S266A S2\" id=\"t1m_138\">36,714 </span><span class=\"S2F58 S266A S2\" id=\"t1n_138\">118,071 </span><span class=\"S2C57 S266A S2\" id=\"t1o_138\">113,968 </span><span class=\"S2F59 S266A S2\" id=\"t1p_138\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_138\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_138\">3,474,352 </span><span class=\"S2F5C S266A S2\" id=\"t1s_138\">3,600,644 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_138\">7,074,996 </span><span class=\"S2C5C S266A S2\" id=\"t1u_138\">variable rate </span><span class=\"S2F5D S266A S2\" id=\"t1v_138\">85,031 </span><span class=\"S2F5E S266A S2\" id=\"t1w_138\">146,177 </span><span class=\"S2F5F S266A S2\" id=\"t1x_138\">147,677 </span><span class=\"S2F60 S266A S2\" id=\"t1y_138\">851,774 </span><span class=\"S2F61 S266A S2\" id=\"t1z_138\">359,348 </span><span class=\"S2F62 S266A S2\" id=\"t20_138\">24,346 </span><span class=\"S2F63 S266A S2\" id=\"t21_138\">22 </span><span class=\"S2F64 S266A S2\" id=\"t22_138\">- </span><span class=\"S2C65 S266A S2\" id=\"t23_138\">- </span><span class=\"S2C66 S266A S2\" id=\"t24_138\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_138\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_138\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_138\">592,078 </span><span class=\"S2F68 S266A S2\" id=\"t28_138\">1,022,297 </span><span class=\"S2AFF S2669 S2\" id=\"t29_138\">1,614,375 </span><span class=\"S2C6C S266A S2\" id=\"t2a_138\">non-interest-bearing </span><span class=\"S2F69 S266A S2\" id=\"t2b_138\">- </span><span class=\"S2C6E S266A S2\" id=\"t2c_138\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_138\">- </span><span class=\"S2C70 S266A S2\" id=\"t2e_138\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_138\">- </span><span class=\"S2C72 S266A S2\" id=\"t2g_138\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_138\">- </span><span class=\"S2C74 S266A S2\" id=\"t2i_138\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_138\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_138\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_138\">246,135 </span><span class=\"S2F6B S266A S2\" id=\"t2m_138\">529,820 </span><span class=\"S2F6C S266A S2\" id=\"t2n_138\">246,135 </span><span class=\"S2F6D S266A S2\" id=\"t2o_138\">529,820 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_138\">775,955 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_138\">Leasing liabilities </span><span class=\"S2F6F S2669 S2\" id=\"t2r_138\">2,005 </span><span class=\"S2F70 S2669 S2\" id=\"t2s_138\">9,146 </span><span class=\"S2F71 S2669 S2\" id=\"t2t_138\">2 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_138\">1,329 </span><span class=\"S2F73 S2669 S2\" id=\"t2v_138\">- </span><span class=\"S2F74 S2669 S2\" id=\"t2w_138\">5,384 </span><span class=\"S2F75 S2669 S2\" id=\"t2x_138\">4 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_138\">7,647 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_138\">1,277 </span><span class=\"S2F78 S2669 S2\" id=\"t30_138\">31,084 </span><span class=\"S2F79 S2669 S2\" id=\"t31_138\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_138\">5,900 </span><span class=\"S2F7B S2669 S2\" id=\"t33_138\">3,288 </span><span class=\"S2F7C S2669 S2\" id=\"t34_138\">60,490 </span><span class=\"S2F7D S2669 S2\" id=\"t35_138\">63,778 </span><span class=\"S2C8B S266A S2\" id=\"t36_138\">fixed rate </span><span class=\"S2F7E S266A S2\" id=\"t37_138\">1,905 </span><span class=\"S2F7F S266A S2\" id=\"t38_138\">8,686 </span><span class=\"S2F80 S266A S2\" id=\"t39_138\">1 </span><span class=\"S2F81 S266A S2\" id=\"t3a_138\">408 </span><span class=\"S2F82 S266A S2\" id=\"t3b_138\">- </span><span class=\"S2F83 S266A S2\" id=\"t3c_138\">2,197 </span><span class=\"S2F84 S266A S2\" id=\"t3d_138\">4 </span><span class=\"S2F85 S266A S2\" id=\"t3e_138\">2,541 </span><span class=\"S2F86 S266A S2\" id=\"t3f_138\">1,277 </span><span class=\"S2F87 S266A S2\" id=\"t3g_138\">17,244 </span><span class=\"S2F88 S266A S2\" id=\"t3h_138\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_138\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_138\">3,187 </span><span class=\"S2F8B S266A S2\" id=\"t3k_138\">31,076 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_138\">34,263 </span><span class=\"S2C9A S266A S2\" id=\"t3m_138\">variable rate </span><span class=\"S2F8D S266A S2\" id=\"t3n_138\">100 </span><span class=\"S2F8E S266A S2\" id=\"t3o_138\">460 </span><span class=\"S2F8F S266A S2\" id=\"t3p_138\">1 </span><span class=\"S2F90 S266A S2\" id=\"t3q_138\">921 </span><span class=\"S2C9F S266A S2\" id=\"t3r_138\">- </span><span class=\"S2F91 S266A S2\" id=\"t3s_138\">3,187 </span><span class=\"S2CA1 S266A S2\" id=\"t3t_138\">- </span><span class=\"S2F92 S266A S2\" id=\"t3u_138\">5,106 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_138\">- </span><span class=\"S2F93 S266A S2\" id=\"t3w_138\">13,840 </span><span class=\"S2F94 S266A S2\" id=\"t3x_138\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_138\">- </span><span class=\"S2F96 S266A S2\" id=\"t3z_138\">101 </span><span class=\"S2F97 S266A S2\" id=\"t40_138\">23,514 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_138\">23,615 </span><span class=\"S2CAA S266A S2\" id=\"t42_138\">non-interest-bearing </span><span class=\"S2F98 S266A S2\" id=\"t43_138\">- </span><span class=\"S2CAC S266A S2\" id=\"t44_138\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_138\">- </span><span class=\"S2CAE S266A S2\" id=\"t46_138\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_138\">- </span><span class=\"S2CB0 S266A S2\" id=\"t48_138\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_138\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4a_138\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_138\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_138\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_138\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_138\">5,900 </span><span class=\"S2F9B S266A S2\" id=\"t4f_138\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_138\">5,900 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_138\">5,900 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_138\">Other financial liabilities </span><span class=\"S2F9F S2669 S2\" id=\"t4j_138\">93,677 </span><span class=\"S2FA0 S2669 S2\" id=\"t4k_138\">36,041 </span><span class=\"S2FA1 S2669 S2\" id=\"t4l_138\">2,247 </span><span class=\"S2FA2 S2669 S2\" id=\"t4m_138\">1,735 </span><span class=\"S2FA3 S2669 S2\" id=\"t4n_138\">11 </span><span class=\"S2FA4 S2669 S2\" id=\"t4o_138\">6,706 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_138\">- </span><span class=\"S2FA6 S2669 S2\" id=\"t4q_138\">2,494 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_138\">- </span><span class=\"S2FA8 S2669 S2\" id=\"t4s_138\">2,408 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_138\">288,478 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_138\">211,855 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_138\">384,413 </span><span class=\"S2FAC S2669 S2\" id=\"t4w_138\">261,239 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_138\">645,652 </span><span class=\"S2FAD S266A S2\" id=\"t4y_138\">fixed rate </span><span class=\"S2FAE S266A S2\" id=\"t4z_138\">93,668 </span><span class=\"S2FAF S266A S2\" id=\"t50_138\">35,843 </span><span class=\"S2FB0 S266A S2\" id=\"t51_138\">1,748 </span><span class=\"S2FB1 S266A S2\" id=\"t52_138\">1,735 </span><span class=\"S2FB2 S266A S2\" id=\"t53_138\">7 </span><span class=\"S2FB3 S266A S2\" id=\"t54_138\">3,283 </span><span class=\"S2FB4 S266A S2\" id=\"t55_138\">- </span><span class=\"S2FB5 S266A S2\" id=\"t56_138\">2,401 </span><span class=\"S2FB6 S266A S2\" id=\"t57_138\">- </span><span class=\"S2FB7 S266A S2\" id=\"t58_138\">2,319 </span><span class=\"S2FB8 S266A S2\" id=\"t59_138\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_138\">- </span><span class=\"S2FBA S266A S2\" id=\"t5b_138\">95,423 </span><span class=\"S2FBB S266A S2\" id=\"t5c_138\">45,581 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_138\">141,004 </span><span class=\"S2FBD S266A S2\" id=\"t5e_138\">variable rate </span><span class=\"S2FBE S266A S2\" id=\"t5f_138\">9 </span><span class=\"S2FBF S266A S2\" id=\"t5g_138\">198 </span><span class=\"S2FC0 S266A S2\" id=\"t5h_138\">499 </span><span class=\"S2FC1 S266A S2\" id=\"t5i_138\">- </span><span class=\"S2FC2 S266A S2\" id=\"t5j_138\">4 </span><span class=\"S2FC3 S266A S2\" id=\"t5k_138\">3,423 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_138\">- </span><span class=\"S2FC5 S266A S2\" id=\"t5m_138\">93 </span><span class=\"S2FC6 S266A S2\" id=\"t5n_138\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_138\">89 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_138\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_138\">- </span><span class=\"S2FCA S266A S2\" id=\"t5r_138\">512 </span><span class=\"S2FCB S266A S2\" id=\"t5s_138\">3,803 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_138\">4,315 </span><span class=\"S2FCD S266A S2\" id=\"t5u_138\">non-interest-bearing </span><span class=\"S2FCE S266A S2\" id=\"t5v_138\">- </span><span class=\"S2FCF S266A S2\" id=\"t5w_138\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_138\">- </span><span class=\"S2FD1 S266A S2\" id=\"t5y_138\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_138\">- </span><span class=\"S2FD3 S266A S2\" id=\"t60_138\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_138\">- </span><span class=\"S2FD5 S266A S2\" id=\"t62_138\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_138\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_138\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_138\">288,478 </span><span class=\"S2FD9 S266A S2\" id=\"t66_138\">211,855 </span><span class=\"S2FDA S266A S2\" id=\"t67_138\">288,478 </span><span class=\"S2FDB S266A S2\" id=\"t68_138\">211,855 </span><span class=\"S2FDC S2669 S2\" id=\"t69_138\">500,333 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_138\">Subordinated bonds and loans </span><span class=\"S2FDE S2669 S2\" id=\"t6b_138\">- </span><span class=\"S2CEA S2669 S2\" id=\"t6c_138\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_138\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_138\">93,110 </span><span class=\"S2CED S2669 S2\" id=\"t6f_138\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_138\">201,076 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_138\">- </span><span class=\"S2CF0 S2669 S2\" id=\"t6i_138\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_138\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_138\">7,798 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_138\">- </span><span class=\"S2FE3 S2669 S2\" id=\"t6m_138\">- </span><span class=\"S2FE4 S2669 S2\" id=\"t6n_138\">- </span><span class=\"S2FE5 S2669 S2\" id=\"t6o_138\">301,984 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_138\">301,984 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_138\">fixed rate </span><span class=\"S2FE7 S266A S2\" id=\"t6r_138\">- </span><span class=\"S2FE8 S266A S2\" id=\"t6s_138\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_138\">- </span><span class=\"S2FEA S266A S2\" id=\"t6u_138\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_138\">- </span><span class=\"S2FEC S266A S2\" id=\"t6w_138\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_138\">- </span><span class=\"S2FEE S266A S2\" id=\"t6y_138\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_138\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_138\">7,798 </span><span class=\"S2FF1 S266A S2\" id=\"t71_138\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_138\">- </span><span class=\"S2FF3 S266A S2\" id=\"t73_138\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_138\">7,798 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_138\">7,798 </span><span class=\"S2FF6 S266A S2\" id=\"t76_138\">variable rate </span><span class=\"S2FF7 S266A S2\" id=\"t77_138\">- </span><span class=\"S2FF8 S266A S2\" id=\"t78_138\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_138\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_138\">93,110 </span><span class=\"S2FFB S266A S2\" id=\"t7b_138\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_138\">201,076 </span><span class=\"S2FFD S266A S2\" id=\"t7d_138\">- </span><span class=\"S2FFE S266A S2\" id=\"t7e_138\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_138\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_138\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_138\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_138\">- </span><span class=\"S3003 S266A S2\" id=\"t7j_138\">- </span><span class=\"S3004 S266A S2\" id=\"t7k_138\">294,186 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_138\">294,186 </span><span class=\"S3005 S266A S2\" id=\"t7m_138\">non-interest-bearing </span><span class=\"S3006 S266A S2\" id=\"t7n_138\">- </span><span class=\"S3007 S266A S2\" id=\"t7o_138\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_138\">- </span><span class=\"S3009 S266A S2\" id=\"t7q_138\">- </span><span class=\"S300A S266A S2\" id=\"t7r_138\">- </span><span class=\"S300B S266A S2\" id=\"t7s_138\">- </span><span class=\"S300C S266A S2\" id=\"t7t_138\">- </span><span class=\"S300D S266A S2\" id=\"t7u_138\">- </span><span class=\"S300E S266A S2\" id=\"t7v_138\">- </span><span class=\"S300F S266A S2\" id=\"t7w_138\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_138\">- </span><span class=\"S3011 S266A S2\" id=\"t7y_138\">- </span><span class=\"S3012 S266A S2\" id=\"t7z_138\">- </span><span class=\"S3013 S266A S2\" id=\"t80_138\">- </span><span class=\"S3014 S2669 S2\" id=\"t81_138\">- </span><span class=\"S3015 S2669 S2\" id=\"t82_138\">Net position </span><span class=\"S3016 S2669 S2\" id=\"t83_138\">(6,681,274) </span><span class=\"S3017 S2669 S2\" id=\"t84_138\">(3,560,594) </span><span class=\"S3018 S2669 S2\" id=\"t85_138\">2,506,895 </span><span class=\"S3019 S2669 S2\" id=\"t86_138\">785,846 </span><span class=\"S301A S2669 S2\" id=\"t87_138\">236,208 </span><span class=\"S301B S2669 S2\" id=\"t88_138\">825,677 </span><span class=\"S301C S2669 S2\" id=\"t89_138\">449,748 </span><span class=\"S301D S2669 S2\" id=\"t8a_138\">500,607 </span><span class=\"S301E S2669 S2\" id=\"t8b_138\">3,589,198 </span><span class=\"S301F S2669 S2\" id=\"t8c_138\">2,277,983 </span><span class=\"S3020 S2669 S2\" id=\"t8d_138\">(154,136) </span><span class=\"S3021 S2669 S2\" id=\"t8e_138\">1,637,790 </span><span class=\"S3022 S2669 S2\" id=\"t8f_138\">(53,361) </span><span class=\"S3023 S2669 S2\" id=\"t8g_138\">2,467,309 </span><span class=\"S3024 S2669 S2\" id=\"t8h_138\">2,413,948 </span><span class=\"S3025 SB S2\" id=\"t5_139\">37.4.  Interest rate risk management [continued] </span><span class=\"S2AC2 SB S2\" id=\"t6_139\">As at 31 December 2021 </span><span class=\"S3026 S2669 S2\" id=\"t7_139\">ASSETS </span><span class=\"S3027 S2669 S2\" id=\"t8_139\">Within 1 month </span><span class=\"S3028 S2669 S2\" id=\"t9_139\">Over 1 month and </span><span class=\"S3029 S2669 S2\" id=\"ta_139\">Within 3 months </span><span class=\"S302A S2669 S2\" id=\"tb_139\">Over 3 months and </span><span class=\"S2DFB S2669 S2\" id=\"tc_139\">Within 12 months </span><span class=\"S2DFC S2669 S2\" id=\"td_139\">Over 1 year and </span><span class=\"S2DFD S2669 S2\" id=\"te_139\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_139\">Over 2 years </span><span class=\"S302B S2669 S2\" id=\"tg_139\">Non-interest- </span><span class=\"S302C S2669 S2\" id=\"th_139\">bearing </span><span class=\"S302D S2669 S2\" id=\"ti_139\">Total </span><span class=\"S2ACF S2669 S2\" id=\"tj_139\">Total </span><span class=\"S302E S2669 S2\" id=\"tk_139\">HUF </span><span class=\"S302F S2669 S2\" id=\"tl_139\">Currency </span><span class=\"S3030 S2669 S2\" id=\"tm_139\">HUF </span><span class=\"S3031 S2669 S2\" id=\"tn_139\">Currency </span><span class=\"S3032 S2669 S2\" id=\"to_139\">HUF </span><span class=\"S2E06 S2669 S2\" id=\"tp_139\">Currency </span><span class=\"S2E07 S2669 S2\" id=\"tq_139\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_139\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_139\">HUF </span><span class=\"S3033 S2669 S2\" id=\"tt_139\">Currency </span><span class=\"S3034 S2669 S2\" id=\"tu_139\">HUF </span><span class=\"S3035 S2669 S2\" id=\"tv_139\">Currency </span><span class=\"S3036 S2669 S2\" id=\"tw_139\">HUF </span><span class=\"S2ADD S2669 S2\" id=\"tx_139\">Currency </span><span class=\"S2ADE S2669 S2\" id=\"ty_139\">Cash, amounts due from banks and balances </span><span class=\"S2ADF S2669 S2\" id=\"tz_139\">with the </span><span class=\"S2AE0 S2669 S2\" id=\"t10_139\">National Banks </span><span class=\"S3037 S2669 S2\" id=\"t11_139\">37,712 </span><span class=\"S3038 S2669 S2\" id=\"t12_139\">821,501 </span><span class=\"S3039 S2669 S2\" id=\"t13_139\">- </span><span class=\"S303A S2669 S2\" id=\"t14_139\">28,183 </span><span class=\"S303B S2669 S2\" id=\"t15_139\">- </span><span class=\"S303C S2669 S2\" id=\"t16_139\">12,391 </span><span class=\"S303D S2669 S2\" id=\"t17_139\">- </span><span class=\"S303E S2669 S2\" id=\"t18_139\">6,697 </span><span class=\"S303F S2669 S2\" id=\"t19_139\">- </span><span class=\"S3040 S2669 S2\" id=\"t1a_139\">12,423 </span><span class=\"S3041 S2669 S2\" id=\"t1b_139\">133,248 </span><span class=\"S3042 S2669 S2\" id=\"t1c_139\">1,503,880 </span><span class=\"S2AED S2669 S2\" id=\"t1d_139\">170,960 </span><span class=\"S2AEE S2669 S2\" id=\"t1e_139\">2,385,075 </span><span class=\"S2AEF S2669 S2\" id=\"t1f_139\">2,556,035 </span><span class=\"S2AF0 S266A S2\" id=\"t1g_139\">fixed rate </span><span class=\"S3043 S266A S2\" id=\"t1h_139\">36,376 </span><span class=\"S3044 S266A S2\" id=\"t1i_139\">661,318 </span><span class=\"S3045 S266A S2\" id=\"t1j_139\">- </span><span class=\"S3046 S266A S2\" id=\"t1k_139\">28,183 </span><span class=\"S3047 S266A S2\" id=\"t1l_139\">- </span><span class=\"S2E15 S266A S2\" id=\"t1m_139\">12,391 </span><span class=\"S3048 S266A S2\" id=\"t1n_139\">- </span><span class=\"S2E17 S266A S2\" id=\"t1o_139\">6,697 </span><span class=\"S3049 S266A S2\" id=\"t1p_139\">- </span><span class=\"S2E19 S266A S2\" id=\"t1q_139\">12,423 </span><span class=\"S304A S266A S2\" id=\"t1r_139\">- </span><span class=\"S304B S266A S2\" id=\"t1s_139\">- </span><span class=\"S304C S266A S2\" id=\"t1t_139\">36,376 </span><span class=\"S304D S266A S2\" id=\"t1u_139\">721,012 </span><span class=\"S304E S2669 S2\" id=\"t1v_139\">757,388 </span><span class=\"S2B00 S266A S2\" id=\"t1w_139\">variable rate </span><span class=\"S304F S266A S2\" id=\"t1x_139\">1,336 </span><span class=\"S3050 S266A S2\" id=\"t1y_139\">160,183 </span><span class=\"S3051 S266A S2\" id=\"t1z_139\">- </span><span class=\"S3052 S266A S2\" id=\"t20_139\">- </span><span class=\"S3053 S266A S2\" id=\"t21_139\">- </span><span class=\"S3054 S266A S2\" id=\"t22_139\">- </span><span class=\"S3055 S266A S2\" id=\"t23_139\">- </span><span class=\"S3056 S266A S2\" id=\"t24_139\">- </span><span class=\"S3057 S266A S2\" id=\"t25_139\">- </span><span class=\"S3058 S266A S2\" id=\"t26_139\">- </span><span class=\"S3059 S266A S2\" id=\"t27_139\">- </span><span class=\"S305A S266A S2\" id=\"t28_139\">- </span><span class=\"S305B S266A S2\" id=\"t29_139\">1,336 </span><span class=\"S2B0E S266A S2\" id=\"t2a_139\">160,183 </span><span class=\"S2B0F S2669 S2\" id=\"t2b_139\">161,519 </span><span class=\"S2B10 S266A S2\" id=\"t2c_139\">non-interest-bearing </span><span class=\"S305C S266A S2\" id=\"t2d_139\">- </span><span class=\"S305D S266A S2\" id=\"t2e_139\">- </span><span class=\"S305E S266A S2\" id=\"t2f_139\">- </span><span class=\"S305F S266A S2\" id=\"t2g_139\">- </span><span class=\"S2E33 S266A S2\" id=\"t2h_139\">- </span><span class=\"S3060 S266A S2\" id=\"t2i_139\">- </span><span class=\"S2E35 S266A S2\" id=\"t2j_139\">- </span><span class=\"S3061 S266A S2\" id=\"t2k_139\">- </span><span class=\"S3062 S266A S2\" id=\"t2l_139\">- </span><span class=\"S3063 S266A S2\" id=\"t2m_139\">- </span><span class=\"S3064 S266A S2\" id=\"t2n_139\">133,248 </span><span class=\"S3065 S266A S2\" id=\"t2o_139\">1,503,880 </span><span class=\"S2B1D S266A S2\" id=\"t2p_139\">133,248 </span><span class=\"S2B1E S266A S2\" id=\"t2q_139\">1,503,880 </span><span class=\"S2B1F S2669 S2\" id=\"t2r_139\">1,637,128 </span><span class=\"S3066 S2669 S2\" id=\"t2s_139\">Placements with other banks </span><span class=\"S3067 S2669 S2\" id=\"t2t_139\">435,888 </span><span class=\"S3068 S2669 S2\" id=\"t2u_139\">360,795 </span><span class=\"S3069 S2669 S2\" id=\"t2v_139\">67,304 </span><span class=\"S306A S2669 S2\" id=\"t2w_139\">109,822 </span><span class=\"S306B S2669 S2\" id=\"t2x_139\">30,509 </span><span class=\"S306C S2669 S2\" id=\"t2y_139\">50,770 </span><span class=\"S306D S2669 S2\" id=\"t2z_139\">49,632 </span><span class=\"S306E S2669 S2\" id=\"t30_139\">27,234 </span><span class=\"S306F S2669 S2\" id=\"t31_139\">405,437 </span><span class=\"S3070 S2669 S2\" id=\"t32_139\">17,202 </span><span class=\"S3071 S2669 S2\" id=\"t33_139\">24,415 </span><span class=\"S3072 S2669 S2\" id=\"t34_139\">5,853 </span><span class=\"S3073 S2669 S2\" id=\"t35_139\">1,013,185 </span><span class=\"S2B2E S2669 S2\" id=\"t36_139\">571,676 </span><span class=\"S2B2F S2669 S2\" id=\"t37_139\">1,584,861 </span><span class=\"S2B30 S266A S2\" id=\"t38_139\">fixed rate </span><span class=\"S3074 S266A S2\" id=\"t39_139\">271,734 </span><span class=\"S3075 S266A S2\" id=\"t3a_139\">134,382 </span><span class=\"S3076 S266A S2\" id=\"t3b_139\">449 </span><span class=\"S3077 S266A S2\" id=\"t3c_139\">96,918 </span><span class=\"S3078 S266A S2\" id=\"t3d_139\">1,007 </span><span class=\"S3079 S266A S2\" id=\"t3e_139\">50,238 </span><span class=\"S307A S266A S2\" id=\"t3f_139\">49,632 </span><span class=\"S307B S266A S2\" id=\"t3g_139\">27,234 </span><span class=\"S307C S266A S2\" id=\"t3h_139\">254,065 </span><span class=\"S307D S266A S2\" id=\"t3i_139\">17,202 </span><span class=\"S307E S266A S2\" id=\"t3j_139\">- </span><span class=\"S307F S266A S2\" id=\"t3k_139\">- </span><span class=\"S3080 S266A S2\" id=\"t3l_139\">576,887 </span><span class=\"S2B3E S266A S2\" id=\"t3m_139\">325,974 </span><span class=\"S2B3F S2669 S2\" id=\"t3n_139\">902,861 </span><span class=\"S2B40 S266A S2\" id=\"t3o_139\">variable rate </span><span class=\"S3081 S266A S2\" id=\"t3p_139\">164,154 </span><span class=\"S3082 S266A S2\" id=\"t3q_139\">226,413 </span><span class=\"S3083 S266A S2\" id=\"t3r_139\">66,855 </span><span class=\"S3084 S266A S2\" id=\"t3s_139\">12,904 </span><span class=\"S3085 S266A S2\" id=\"t3t_139\">29,502 </span><span class=\"S3086 S266A S2\" id=\"t3u_139\">532 </span><span class=\"S2E5F S266A S2\" id=\"t3v_139\">- </span><span class=\"S2E60 S266A S2\" id=\"t3w_139\">- </span><span class=\"S3087 S266A S2\" id=\"t3x_139\">151,372 </span><span class=\"S2E62 S266A S2\" id=\"t3y_139\">- </span><span class=\"S3088 S266A S2\" id=\"t3z_139\">- </span><span class=\"S3089 S266A S2\" id=\"t40_139\">- </span><span class=\"S2B4D S266A S2\" id=\"t41_139\">411,883 </span><span class=\"S2B4E S266A S2\" id=\"t42_139\">239,849 </span><span class=\"S2B4F S2669 S2\" id=\"t43_139\">651,732 </span><span class=\"S2B50 S266A S2\" id=\"t44_139\">non-interest-bearing </span><span class=\"S308A S266A S2\" id=\"t45_139\">- </span><span class=\"S308B S266A S2\" id=\"t46_139\">- </span><span class=\"S308C S266A S2\" id=\"t47_139\">- </span><span class=\"S308D S266A S2\" id=\"t48_139\">- </span><span class=\"S2E6B S266A S2\" id=\"t49_139\">- </span><span class=\"S2E6C S266A S2\" id=\"t4a_139\">- </span><span class=\"S2E6D S266A S2\" id=\"t4b_139\">- </span><span class=\"S2E6E S266A S2\" id=\"t4c_139\">- </span><span class=\"S308E S266A S2\" id=\"t4d_139\">- </span><span class=\"S2E70 S266A S2\" id=\"t4e_139\">- </span><span class=\"S308F S266A S2\" id=\"t4f_139\">24,415 </span><span class=\"S3090 S266A S2\" id=\"t4g_139\">5,853 </span><span class=\"S2B5C S266A S2\" id=\"t4h_139\">24,415 </span><span class=\"S3091 S266A S2\" id=\"t4i_139\">5,853 </span><span class=\"S3092 S2669 S2\" id=\"t4j_139\">30,268 </span><span class=\"S3093 S2669 S2\" id=\"t4k_139\">Repo receivables </span><span class=\"S3094 S2669 S2\" id=\"t4l_139\">33,638 </span><span class=\"S3095 S2669 S2\" id=\"t4m_139\">21,535 </span><span class=\"S3096 S2669 S2\" id=\"t4n_139\">- </span><span class=\"S3097 S2669 S2\" id=\"t4o_139\">5,828 </span><span class=\"S2E7A S2669 S2\" id=\"t4p_139\">- </span><span class=\"S2E7B S2669 S2\" id=\"t4q_139\">- </span><span class=\"S2E7C S2669 S2\" id=\"t4r_139\">- </span><span class=\"S2E7D S2669 S2\" id=\"t4s_139\">- </span><span class=\"S3098 S2669 S2\" id=\"t4t_139\">- </span><span class=\"S2E7F S2669 S2\" id=\"t4u_139\">- </span><span class=\"S3099 S2669 S2\" id=\"t4v_139\">- </span><span class=\"S309A S2669 S2\" id=\"t4w_139\">51 </span><span class=\"S2B6C S2669 S2\" id=\"t4x_139\">33,638 </span><span class=\"S309B S2669 S2\" id=\"t4y_139\">27,414 </span><span class=\"S2B6E S2669 S2\" id=\"t4z_139\">61,052 </span><span class=\"S2B6F S266A S2\" id=\"t50_139\">fixed rate </span><span class=\"S309C S266A S2\" id=\"t51_139\">33,638 </span><span class=\"S309D S266A S2\" id=\"t52_139\">21,535 </span><span class=\"S309E S266A S2\" id=\"t53_139\">- </span><span class=\"S309F S266A S2\" id=\"t54_139\">5,828 </span><span class=\"S30A0 S266A S2\" id=\"t55_139\">- </span><span class=\"S30A1 S266A S2\" id=\"t56_139\">- </span><span class=\"S30A2 S266A S2\" id=\"t57_139\">- </span><span class=\"S30A3 S266A S2\" id=\"t58_139\">- </span><span class=\"S30A4 S266A S2\" id=\"t59_139\">- </span><span class=\"S30A5 S266A S2\" id=\"t5a_139\">- </span><span class=\"S30A6 S266A S2\" id=\"t5b_139\">- </span><span class=\"S30A7 S266A S2\" id=\"t5c_139\">- </span><span class=\"S2B7C S266A S2\" id=\"t5d_139\">33,638 </span><span class=\"S30A8 S266A S2\" id=\"t5e_139\">27,363 </span><span class=\"S2B7E S2669 S2\" id=\"t5f_139\">61,001 </span><span class=\"S2B7F S266A S2\" id=\"t5g_139\">variable rate </span><span class=\"S30A9 S266A S2\" id=\"t5h_139\">- </span><span class=\"S30AA S266A S2\" id=\"t5i_139\">- </span><span class=\"S30AB S266A S2\" id=\"t5j_139\">- </span><span class=\"S30AC S266A S2\" id=\"t5k_139\">- </span><span class=\"S2E8B S266A S2\" id=\"t5l_139\">- </span><span class=\"S2E8C S266A S2\" id=\"t5m_139\">- </span><span class=\"S2E8D S266A S2\" id=\"t5n_139\">- </span><span class=\"S2E8E S266A S2\" id=\"t5o_139\">- </span><span class=\"S30AD S266A S2\" id=\"t5p_139\">- </span><span class=\"S2E90 S266A S2\" id=\"t5q_139\">- </span><span class=\"S30AE S266A S2\" id=\"t5r_139\">- </span><span class=\"S30AF S266A S2\" id=\"t5s_139\">- </span><span class=\"S2B8C S266A S2\" id=\"t5t_139\">- </span><span class=\"S2B8D S266A S2\" id=\"t5u_139\">- </span><span class=\"S2B8E S2669 S2\" id=\"t5v_139\">- </span><span class=\"S2B8F S266A S2\" id=\"t5w_139\">non-interest-bearing </span><span class=\"S30B0 S266A S2\" id=\"t5x_139\">- </span><span class=\"S30B1 S266A S2\" id=\"t5y_139\">- </span><span class=\"S30B2 S266A S2\" id=\"t5z_139\">- </span><span class=\"S30B3 S266A S2\" id=\"t60_139\">- </span><span class=\"S2E9A S266A S2\" id=\"t61_139\">- </span><span class=\"S2E9B S266A S2\" id=\"t62_139\">- </span><span class=\"S2E9C S266A S2\" id=\"t63_139\">- </span><span class=\"S2E9D S266A S2\" id=\"t64_139\">- </span><span class=\"S30B4 S266A S2\" id=\"t65_139\">- </span><span class=\"S2E9F S266A S2\" id=\"t66_139\">- </span><span class=\"S30B5 S266A S2\" id=\"t67_139\">- </span><span class=\"S30B6 S266A S2\" id=\"t68_139\">51 </span><span class=\"S2B9C S266A S2\" id=\"t69_139\">- </span><span class=\"S30B7 S266A S2\" id=\"t6a_139\">51 </span><span class=\"S2EA4 S2669 S2\" id=\"t6b_139\">51 </span><span class=\"S30B8 S2669 S2\" id=\"t6c_139\">Trading instruments at fair value through </span><span class=\"S2BA0 S2669 S2\" id=\"t6d_139\">profit or loss </span><span class=\"S30B9 S2669 S2\" id=\"t6e_139\">1,237 </span><span class=\"S30BA S2669 S2\" id=\"t6f_139\">7,034 </span><span class=\"S30BB S2669 S2\" id=\"t6g_139\">664 </span><span class=\"S30BC S2669 S2\" id=\"t6h_139\">26,796 </span><span class=\"S30BD S2669 S2\" id=\"t6i_139\">2,506 </span><span class=\"S30BE S2669 S2\" id=\"t6j_139\">16,960 </span><span class=\"S30BF S2669 S2\" id=\"t6k_139\">360 </span><span class=\"S30C0 S2669 S2\" id=\"t6l_139\">6,634 </span><span class=\"S30C1 S2669 S2\" id=\"t6m_139\">25,036 </span><span class=\"S30C2 S2669 S2\" id=\"t6n_139\">13,415 </span><span class=\"S30C3 S2669 S2\" id=\"t6o_139\">1,770 </span><span class=\"S30C4 S2669 S2\" id=\"t6p_139\">1,098 </span><span class=\"S2BAD S2669 S2\" id=\"t6q_139\">31,573 </span><span class=\"S2BAE S2669 S2\" id=\"t6r_139\">71,937 </span><span class=\"S2BAF S2669 S2\" id=\"t6s_139\">103,510 </span><span class=\"S2BB0 S266A S2\" id=\"t6t_139\">fixed rate </span><span class=\"S30C5 S266A S2\" id=\"t6u_139\">32 </span><span class=\"S30C6 S266A S2\" id=\"t6v_139\">7,034 </span><span class=\"S30C7 S266A S2\" id=\"t6w_139\">487 </span><span class=\"S30C8 S266A S2\" id=\"t6x_139\">26,796 </span><span class=\"S30C9 S266A S2\" id=\"t6y_139\">2,233 </span><span class=\"S30CA S266A S2\" id=\"t6z_139\">16,960 </span><span class=\"S30CB S266A S2\" id=\"t70_139\">360 </span><span class=\"S30CC S266A S2\" id=\"t71_139\">6,634 </span><span class=\"S30CD S266A S2\" id=\"t72_139\">25,036 </span><span class=\"S30CE S266A S2\" id=\"t73_139\">13,415 </span><span class=\"S30CF S266A S2\" id=\"t74_139\">- </span><span class=\"S30D0 S266A S2\" id=\"t75_139\">- </span><span class=\"S2BBD S266A S2\" id=\"t76_139\">28,148 </span><span class=\"S2BBE S266A S2\" id=\"t77_139\">70,839 </span><span class=\"S2BBF S2669 S2\" id=\"t78_139\">98,987 </span><span class=\"S2BC0 S266A S2\" id=\"t79_139\">variable rate </span><span class=\"S30D1 S266A S2\" id=\"t7a_139\">1,205 </span><span class=\"S30D2 S266A S2\" id=\"t7b_139\">- </span><span class=\"S30D3 S266A S2\" id=\"t7c_139\">177 </span><span class=\"S30D4 S266A S2\" id=\"t7d_139\">- </span><span class=\"S30D5 S266A S2\" id=\"t7e_139\">273 </span><span class=\"S30D6 S266A S2\" id=\"t7f_139\">- </span><span class=\"S30D7 S266A S2\" id=\"t7g_139\">- </span><span class=\"S30D8 S266A S2\" id=\"t7h_139\">- </span><span class=\"S30D9 S266A S2\" id=\"t7i_139\">- </span><span class=\"S30DA S266A S2\" id=\"t7j_139\">- </span><span class=\"S30DB S266A S2\" id=\"t7k_139\">- </span><span class=\"S30DC S266A S2\" id=\"t7l_139\">- </span><span class=\"S30DD S266A S2\" id=\"t7m_139\">1,655 </span><span class=\"S2BCE S266A S2\" id=\"t7n_139\">- </span><span class=\"S30DE S2669 S2\" id=\"t7o_139\">1,655 </span><span class=\"S2BD0 S266A S2\" id=\"t7p_139\">non-interest-bearing </span><span class=\"S30DF S266A S2\" id=\"t7q_139\">- </span><span class=\"S30E0 S266A S2\" id=\"t7r_139\">- </span><span class=\"S30E1 S266A S2\" id=\"t7s_139\">- </span><span class=\"S30E2 S266A S2\" id=\"t7t_139\">- </span><span class=\"S2EE9 S266A S2\" id=\"t7u_139\">- </span><span class=\"S2EEA S266A S2\" id=\"t7v_139\">- </span><span class=\"S2EEB S266A S2\" id=\"t7w_139\">- </span><span class=\"S30E3 S266A S2\" id=\"t7x_139\">- </span><span class=\"S30E4 S266A S2\" id=\"t7y_139\">- </span><span class=\"S2EEE S266A S2\" id=\"t7z_139\">- </span><span class=\"S30E5 S266A S2\" id=\"t80_139\">1,770 </span><span class=\"S30E6 S266A S2\" id=\"t81_139\">1,098 </span><span class=\"S30E7 S266A S2\" id=\"t82_139\">1,770 </span><span class=\"S2BDE S266A S2\" id=\"t83_139\">1,098 </span><span class=\"S30E8 S2669 S2\" id=\"t84_139\">2,868 </span><span class=\"S2BE0 S2669 S2\" id=\"t85_139\">Non-trading instruments mandatorily at fair </span><span class=\"S2BE1 S2669 S2\" id=\"t86_139\">value through profit or loss </span><span class=\"S30E9 S2669 S2\" id=\"t87_139\">- </span><span class=\"S30EA S2669 S2\" id=\"t88_139\">- </span><span class=\"S30EB S2669 S2\" id=\"t89_139\">- </span><span class=\"S30EC S2669 S2\" id=\"t8a_139\">- </span><span class=\"S30ED S2669 S2\" id=\"t8b_139\">- </span><span class=\"S30EE S2669 S2\" id=\"t8c_139\">- </span><span class=\"S30EF S2669 S2\" id=\"t8d_139\">- </span><span class=\"S2F0C S2669 S2\" id=\"t8e_139\">- </span><span class=\"S30F0 S2669 S2\" id=\"t8f_139\">- </span><span class=\"S30F1 S2669 S2\" id=\"t8g_139\">- </span><span class=\"S30F2 S2669 S2\" id=\"t8h_139\">28,074 </span><span class=\"S30F3 S2669 S2\" id=\"t8i_139\">25,329 </span><span class=\"S2BEE S2669 S2\" id=\"t8j_139\">28,074 </span><span class=\"S2BEF S2669 S2\" id=\"t8k_139\">25,329 </span><span class=\"S2BF0 S2669 S2\" id=\"t8l_139\">53,403 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_139\">fixed rate </span><span class=\"S30F4 S266A S2\" id=\"t8n_139\">- </span><span class=\"S30F5 S266A S2\" id=\"t8o_139\">- </span><span class=\"S30F6 S266A S2\" id=\"t8p_139\">- </span><span class=\"S30F7 S266A S2\" id=\"t8q_139\">- </span><span class=\"S30F8 S266A S2\" id=\"t8r_139\">- </span><span class=\"S30F9 S266A S2\" id=\"t8s_139\">- </span><span class=\"S30FA S266A S2\" id=\"t8t_139\">- </span><span class=\"S2F1A S266A S2\" id=\"t8u_139\">- </span><span class=\"S30FB S266A S2\" id=\"t8v_139\">- </span><span class=\"S30FC S266A S2\" id=\"t8w_139\">- </span><span class=\"S30FD S266A S2\" id=\"t8x_139\">- </span><span class=\"S30FE S266A S2\" id=\"t8y_139\">- </span><span class=\"S2BFE S266A S2\" id=\"t8z_139\">- </span><span class=\"S2BFF S266A S2\" id=\"t90_139\">- </span><span class=\"S2C00 S2669 S2\" id=\"t91_139\">- </span><span class=\"S2C01 S266A S2\" id=\"t92_139\">variable rate </span><span class=\"S30FF S266A S2\" id=\"t93_139\">- </span><span class=\"S3100 S266A S2\" id=\"t94_139\">- </span><span class=\"S3101 S266A S2\" id=\"t95_139\">- </span><span class=\"S3102 S266A S2\" id=\"t96_139\">- </span><span class=\"S3103 S266A S2\" id=\"t97_139\">- </span><span class=\"S2F25 S266A S2\" id=\"t98_139\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_139\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_139\">- </span><span class=\"S3104 S266A S2\" id=\"t9b_139\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_139\">- </span><span class=\"S3105 S266A S2\" id=\"t9d_139\">- </span><span class=\"S3106 S266A S2\" id=\"t9e_139\">- </span><span class=\"S2C0E S266A S2\" id=\"t9f_139\">- </span><span class=\"S2C0F S266A S2\" id=\"t9g_139\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9h_139\">- </span><span class=\"S2C11 S266A S2\" id=\"t9i_139\">non-interest-bearing </span><span class=\"S3107 S266A S2\" id=\"t9j_139\">- </span><span class=\"S3108 S266A S2\" id=\"t9k_139\">- </span><span class=\"S3109 S266A S2\" id=\"t9l_139\">- </span><span class=\"S310A S266A S2\" id=\"t9m_139\">- </span><span class=\"S2F30 S266A S2\" id=\"t9n_139\">- </span><span class=\"S2F31 S266A S2\" id=\"t9o_139\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_139\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_139\">- </span><span class=\"S310B S266A S2\" id=\"t9r_139\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_139\">- </span><span class=\"S310C S266A S2\" id=\"t9t_139\">28,074 </span><span class=\"S310D S266A S2\" id=\"t9u_139\">25,329 </span><span class=\"S2C1E S266A S2\" id=\"t9v_139\">28,074 </span><span class=\"S2C1F S266A S2\" id=\"t9w_139\">25,329 </span><span class=\"S2C20 S2669 S2\" id=\"t9x_139\">53,403 </span><span class=\"S2AC1 SB S2\" id=\"t5_140\">37.4.  Interest rate risk management [continued] </span><span class=\"S2C21 SB S2\" id=\"t6_140\">As at 31 December 2021 [continued] </span><span class=\"S310E S2669 S2\" id=\"t7_140\">ASSETS [continued] </span><span class=\"S310F S2669 S2\" id=\"t8_140\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_140\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_140\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_140\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_140\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_140\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_140\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_140\">Over 2 years </span><span class=\"S2C2B S2669 S2\" id=\"tg_140\">Non-interest- </span><span class=\"S2C2C S2669 S2\" id=\"th_140\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_140\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_140\">Total </span><span class=\"S3112 S2669 S2\" id=\"tk_140\">HUF </span><span class=\"S3113 S2669 S2\" id=\"tl_140\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tm_140\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tn_140\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"to_140\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"tp_140\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tq_140\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tr_140\">Currency </span><span class=\"S2C37 S2669 S2\" id=\"ts_140\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"tt_140\">Currency </span><span class=\"S2C39 S2669 S2\" id=\"tu_140\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_140\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_140\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_140\">Currency </span><span class=\"S2C3D S2669 S2\" id=\"ty_140\">Securities at fair value through other </span><span class=\"S2ADF S2669 S2\" id=\"tz_140\">comprehensive income </span><span class=\"S3115 S2669 S2\" id=\"t10_140\">205,473 </span><span class=\"S3116 S2669 S2\" id=\"t11_140\">291,988 </span><span class=\"S2C40 S2669 S2\" id=\"t12_140\">22,420 </span><span class=\"S2C41 S2669 S2\" id=\"t13_140\">92,258 </span><span class=\"S3117 S2669 S2\" id=\"t14_140\">97,202 </span><span class=\"S2C43 S2669 S2\" id=\"t15_140\">202,157 </span><span class=\"S2C44 S2669 S2\" id=\"t16_140\">40,289 </span><span class=\"S2C45 S2669 S2\" id=\"t17_140\">177,681 </span><span class=\"S2C46 S2669 S2\" id=\"t18_140\">362,610 </span><span class=\"S2C47 S2669 S2\" id=\"t19_140\">697,456 </span><span class=\"S3118 S2669 S2\" id=\"t1a_140\">(353) </span><span class=\"S2C49 S2669 S2\" id=\"t1b_140\">35,329 </span><span class=\"S2C4A S2669 S2\" id=\"t1c_140\">727,641 </span><span class=\"S2C4B S2669 S2\" id=\"t1d_140\">1,496,869 </span><span class=\"S2C4C S2669 S2\" id=\"t1e_140\">2,224,510 </span><span class=\"S2C4D S266A S2\" id=\"t1f_140\">fixed rate </span><span class=\"S3119 S266A S2\" id=\"t1g_140\">157,136 </span><span class=\"S311A S266A S2\" id=\"t1h_140\">291,987 </span><span class=\"S311B S266A S2\" id=\"t1i_140\">6,897 </span><span class=\"S2C51 S266A S2\" id=\"t1j_140\">92,258 </span><span class=\"S311C S266A S2\" id=\"t1k_140\">88,628 </span><span class=\"S2C53 S266A S2\" id=\"t1l_140\">202,157 </span><span class=\"S2C54 S266A S2\" id=\"t1m_140\">40,289 </span><span class=\"S2C55 S266A S2\" id=\"t1n_140\">177,681 </span><span class=\"S2C56 S266A S2\" id=\"t1o_140\">395,460 </span><span class=\"S2C57 S266A S2\" id=\"t1p_140\">684,739 </span><span class=\"S2C58 S266A S2\" id=\"t1q_140\">- </span><span class=\"S2C59 S266A S2\" id=\"t1r_140\">- </span><span class=\"S2C5A S266A S2\" id=\"t1s_140\">688,410 </span><span class=\"S2C5B S266A S2\" id=\"t1t_140\">1,448,822 </span><span class=\"S2AEF S2669 S2\" id=\"t1u_140\">2,137,232 </span><span class=\"S2C5C S266A S2\" id=\"t1v_140\">variable rate </span><span class=\"S311D S266A S2\" id=\"t1w_140\">48,337 </span><span class=\"S311E S266A S2\" id=\"t1x_140\">1 </span><span class=\"S311F S266A S2\" id=\"t1y_140\">15,523 </span><span class=\"S3120 S266A S2\" id=\"t1z_140\">- </span><span class=\"S3121 S266A S2\" id=\"t20_140\">8,574 </span><span class=\"S2C62 S266A S2\" id=\"t21_140\">- </span><span class=\"S2C63 S266A S2\" id=\"t22_140\">- </span><span class=\"S2F64 S266A S2\" id=\"t23_140\">- </span><span class=\"S3122 S266A S2\" id=\"t24_140\">(32,850) </span><span class=\"S3123 S266A S2\" id=\"t25_140\">12,717 </span><span class=\"S2C67 S266A S2\" id=\"t26_140\">- </span><span class=\"S2C68 S266A S2\" id=\"t27_140\">- </span><span class=\"S2C69 S266A S2\" id=\"t28_140\">39,584 </span><span class=\"S2C6A S266A S2\" id=\"t29_140\">12,718 </span><span class=\"S2C6B S2669 S2\" id=\"t2a_140\">52,302 </span><span class=\"S2C6C S266A S2\" id=\"t2b_140\">non-interest-bearing </span><span class=\"S3124 S266A S2\" id=\"t2c_140\">- </span><span class=\"S3125 S266A S2\" id=\"t2d_140\">- </span><span class=\"S2C6F S266A S2\" id=\"t2e_140\">- </span><span class=\"S3126 S266A S2\" id=\"t2f_140\">- </span><span class=\"S2C71 S266A S2\" id=\"t2g_140\">- </span><span class=\"S2C72 S266A S2\" id=\"t2h_140\">- </span><span class=\"S2C73 S266A S2\" id=\"t2i_140\">- </span><span class=\"S2C74 S266A S2\" id=\"t2j_140\">- </span><span class=\"S2C75 S266A S2\" id=\"t2k_140\">- </span><span class=\"S2C76 S266A S2\" id=\"t2l_140\">- </span><span class=\"S3127 S266A S2\" id=\"t2m_140\">(353) </span><span class=\"S2C78 S266A S2\" id=\"t2n_140\">35,329 </span><span class=\"S3128 S266A S2\" id=\"t2o_140\">(353) </span><span class=\"S2C7A S266A S2\" id=\"t2p_140\">35,329 </span><span class=\"S2C7B S2669 S2\" id=\"t2q_140\">34,976 </span><span class=\"S2C7C S2669 S2\" id=\"t2r_140\">Securities at amortized cost </span><span class=\"S3129 S2669 S2\" id=\"t2s_140\">117 </span><span class=\"S312A S2669 S2\" id=\"t2t_140\">124,634 </span><span class=\"S2C7F S2669 S2\" id=\"t2u_140\">- </span><span class=\"S2C80 S2669 S2\" id=\"t2v_140\">24,325 </span><span class=\"S2C81 S2669 S2\" id=\"t2w_140\">365,576 </span><span class=\"S312B S2669 S2\" id=\"t2x_140\">28,559 </span><span class=\"S2C83 S2669 S2\" id=\"t2y_140\">264,200 </span><span class=\"S2C84 S2669 S2\" id=\"t2z_140\">56,712 </span><span class=\"S2C85 S2669 S2\" id=\"t30_140\">2,305,098 </span><span class=\"S312C S2669 S2\" id=\"t31_140\">722,114 </span><span class=\"S2C87 S2669 S2\" id=\"t32_140\">- </span><span class=\"S2C88 S2669 S2\" id=\"t33_140\">- </span><span class=\"S2C89 S2669 S2\" id=\"t34_140\">2,934,991 </span><span class=\"S2E3A S2669 S2\" id=\"t35_140\">956,344 </span><span class=\"S2B1F S2669 S2\" id=\"t36_140\">3,891,335 </span><span class=\"S2C8B S266A S2\" id=\"t37_140\">fixed rate </span><span class=\"S312D S266A S2\" id=\"t38_140\">- </span><span class=\"S312E S266A S2\" id=\"t39_140\">117,026 </span><span class=\"S2C8E S266A S2\" id=\"t3a_140\">- </span><span class=\"S2C8F S266A S2\" id=\"t3b_140\">19,513 </span><span class=\"S2C90 S266A S2\" id=\"t3c_140\">365,576 </span><span class=\"S312F S266A S2\" id=\"t3d_140\">28,559 </span><span class=\"S2C92 S266A S2\" id=\"t3e_140\">264,200 </span><span class=\"S2C93 S266A S2\" id=\"t3f_140\">56,712 </span><span class=\"S2C94 S266A S2\" id=\"t3g_140\">2,305,098 </span><span class=\"S3130 S266A S2\" id=\"t3h_140\">722,114 </span><span class=\"S2C96 S266A S2\" id=\"t3i_140\">- </span><span class=\"S2C97 S266A S2\" id=\"t3j_140\">- </span><span class=\"S2C98 S266A S2\" id=\"t3k_140\">2,934,874 </span><span class=\"S3131 S266A S2\" id=\"t3l_140\">943,924 </span><span class=\"S2B2F S2669 S2\" id=\"t3m_140\">3,878,798 </span><span class=\"S2C9A S266A S2\" id=\"t3n_140\">variable rate </span><span class=\"S3074 S266A S2\" id=\"t3o_140\">117 </span><span class=\"S3132 S266A S2\" id=\"t3p_140\">7,608 </span><span class=\"S2C9D S266A S2\" id=\"t3q_140\">- </span><span class=\"S2C9E S266A S2\" id=\"t3r_140\">4,812 </span><span class=\"S2C9F S266A S2\" id=\"t3s_140\">- </span><span class=\"S2CA0 S266A S2\" id=\"t3t_140\">- </span><span class=\"S2CA1 S266A S2\" id=\"t3u_140\">- </span><span class=\"S2CA2 S266A S2\" id=\"t3v_140\">- </span><span class=\"S2CA3 S266A S2\" id=\"t3w_140\">- </span><span class=\"S3133 S266A S2\" id=\"t3x_140\">- </span><span class=\"S2CA5 S266A S2\" id=\"t3y_140\">- </span><span class=\"S2CA6 S266A S2\" id=\"t3z_140\">- </span><span class=\"S3134 S266A S2\" id=\"t40_140\">117 </span><span class=\"S3135 S266A S2\" id=\"t41_140\">12,420 </span><span class=\"S2CA9 S2669 S2\" id=\"t42_140\">12,537 </span><span class=\"S2CAA S266A S2\" id=\"t43_140\">non-interest-bearing </span><span class=\"S3136 S266A S2\" id=\"t44_140\">- </span><span class=\"S3137 S266A S2\" id=\"t45_140\">- </span><span class=\"S2CAD S266A S2\" id=\"t46_140\">- </span><span class=\"S3138 S266A S2\" id=\"t47_140\">- </span><span class=\"S2CAF S266A S2\" id=\"t48_140\">- </span><span class=\"S2CB0 S266A S2\" id=\"t49_140\">- </span><span class=\"S2CB1 S266A S2\" id=\"t4a_140\">- </span><span class=\"S2CB2 S266A S2\" id=\"t4b_140\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4c_140\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4d_140\">- </span><span class=\"S2CB5 S266A S2\" id=\"t4e_140\">- </span><span class=\"S2CB6 S266A S2\" id=\"t4f_140\">- </span><span class=\"S2CB7 S266A S2\" id=\"t4g_140\">- </span><span class=\"S2CB8 S266A S2\" id=\"t4h_140\">- </span><span class=\"S2CB9 S2669 S2\" id=\"t4i_140\">- </span><span class=\"S2CBA S2669 S2\" id=\"t4j_140\">Loans at amortized cost, net of </span><span class=\"S2CBB S2669 S2\" id=\"t4k_140\">allowance for loan losses </span><span class=\"S3139 S2669 S2\" id=\"t4l_140\">800,665 </span><span class=\"S313A S2669 S2\" id=\"t4m_140\">5,419,263 </span><span class=\"S313B S2669 S2\" id=\"t4n_140\">534,858 </span><span class=\"S2CBF S2669 S2\" id=\"t4o_140\">1,525,057 </span><span class=\"S2CC0 S2669 S2\" id=\"t4p_140\">60,259 </span><span class=\"S2CC1 S2669 S2\" id=\"t4q_140\">1,431,981 </span><span class=\"S313C S2669 S2\" id=\"t4r_140\">264,434 </span><span class=\"S2CC3 S2669 S2\" id=\"t4s_140\">410,199 </span><span class=\"S313D S2669 S2\" id=\"t4t_140\">1,636,001 </span><span class=\"S2CC5 S2669 S2\" id=\"t4u_140\">1,180,170 </span><span class=\"S2CC6 S2669 S2\" id=\"t4v_140\">121,187 </span><span class=\"S313E S2669 S2\" id=\"t4w_140\">109,109 </span><span class=\"S2CC8 S2669 S2\" id=\"t4x_140\">3,417,404 </span><span class=\"S2CC9 S2669 S2\" id=\"t4y_140\">10,075,779 </span><span class=\"S2CCA S2669 S2\" id=\"t4z_140\">13,493,183 </span><span class=\"S2B6F S266A S2\" id=\"t50_140\">fixed rate </span><span class=\"S313F S266A S2\" id=\"t51_140\">51,410 </span><span class=\"S3140 S266A S2\" id=\"t52_140\">1,029,075 </span><span class=\"S3141 S266A S2\" id=\"t53_140\">2,075 </span><span class=\"S2CCE S266A S2\" id=\"t54_140\">260,668 </span><span class=\"S2CCF S266A S2\" id=\"t55_140\">16,048 </span><span class=\"S2CD0 S266A S2\" id=\"t56_140\">683,927 </span><span class=\"S3142 S266A S2\" id=\"t57_140\">187,209 </span><span class=\"S2CD2 S266A S2\" id=\"t58_140\">374,260 </span><span class=\"S2CD3 S266A S2\" id=\"t59_140\">942,294 </span><span class=\"S3143 S266A S2\" id=\"t5a_140\">835,327 </span><span class=\"S2CD5 S266A S2\" id=\"t5b_140\">- </span><span class=\"S2CD6 S266A S2\" id=\"t5c_140\">- </span><span class=\"S2CD7 S266A S2\" id=\"t5d_140\">1,199,036 </span><span class=\"S2CD8 S266A S2\" id=\"t5e_140\">3,183,257 </span><span class=\"S2CD9 S2669 S2\" id=\"t5f_140\">4,382,293 </span><span class=\"S2B7F S266A S2\" id=\"t5g_140\">variable rate </span><span class=\"S3144 S266A S2\" id=\"t5h_140\">749,255 </span><span class=\"S3145 S266A S2\" id=\"t5i_140\">4,390,188 </span><span class=\"S3146 S266A S2\" id=\"t5j_140\">532,783 </span><span class=\"S2CDD S266A S2\" id=\"t5k_140\">1,264,389 </span><span class=\"S2CDE S266A S2\" id=\"t5l_140\">44,211 </span><span class=\"S2CDF S266A S2\" id=\"t5m_140\">748,054 </span><span class=\"S2CE0 S266A S2\" id=\"t5n_140\">77,225 </span><span class=\"S2CE1 S266A S2\" id=\"t5o_140\">35,939 </span><span class=\"S2CE2 S266A S2\" id=\"t5p_140\">693,707 </span><span class=\"S3147 S266A S2\" id=\"t5q_140\">344,843 </span><span class=\"S2CE4 S266A S2\" id=\"t5r_140\">- </span><span class=\"S2CE5 S266A S2\" id=\"t5s_140\">- </span><span class=\"S2CE6 S266A S2\" id=\"t5t_140\">2,097,181 </span><span class=\"S2CE7 S266A S2\" id=\"t5u_140\">6,783,413 </span><span class=\"S3148 S2669 S2\" id=\"t5v_140\">8,880,594 </span><span class=\"S2B8F S266A S2\" id=\"t5w_140\">non-interest-bearing </span><span class=\"S3149 S266A S2\" id=\"t5x_140\">- </span><span class=\"S314A S266A S2\" id=\"t5y_140\">- </span><span class=\"S2CEB S266A S2\" id=\"t5z_140\">- </span><span class=\"S314B S266A S2\" id=\"t60_140\">- </span><span class=\"S2CED S266A S2\" id=\"t61_140\">- </span><span class=\"S2CEE S266A S2\" id=\"t62_140\">- </span><span class=\"S2CEF S266A S2\" id=\"t63_140\">- </span><span class=\"S2CF0 S266A S2\" id=\"t64_140\">- </span><span class=\"S2CF1 S266A S2\" id=\"t65_140\">- </span><span class=\"S2CF2 S266A S2\" id=\"t66_140\">- </span><span class=\"S2CF3 S266A S2\" id=\"t67_140\">121,187 </span><span class=\"S314C S266A S2\" id=\"t68_140\">109,109 </span><span class=\"S2CF5 S266A S2\" id=\"t69_140\">121,187 </span><span class=\"S314D S266A S2\" id=\"t6a_140\">109,109 </span><span class=\"S2CF7 S2669 S2\" id=\"t6b_140\">230,296 </span><span class=\"S2CF8 S2669 S2\" id=\"t6c_140\">Finance lease receivables </span><span class=\"S314E S2669 S2\" id=\"t6d_140\">117,384 </span><span class=\"S314F S2669 S2\" id=\"t6e_140\">304,444 </span><span class=\"S2CFB S2669 S2\" id=\"t6f_140\">16,580 </span><span class=\"S2CFC S2669 S2\" id=\"t6g_140\">131,417 </span><span class=\"S3150 S2669 S2\" id=\"t6h_140\">5,736 </span><span class=\"S2CFE S2669 S2\" id=\"t6i_140\">161,672 </span><span class=\"S2CFF S2669 S2\" id=\"t6j_140\">20,288 </span><span class=\"S2D00 S2669 S2\" id=\"t6k_140\">88,194 </span><span class=\"S2D01 S2669 S2\" id=\"t6l_140\">197,583 </span><span class=\"S2D02 S2669 S2\" id=\"t6m_140\">137,387 </span><span class=\"S2EB0 S2669 S2\" id=\"t6n_140\">- </span><span class=\"S3151 S2669 S2\" id=\"t6o_140\">1,943 </span><span class=\"S2D05 S2669 S2\" id=\"t6p_140\">357,571 </span><span class=\"S2D06 S2669 S2\" id=\"t6q_140\">825,057 </span><span class=\"S2D07 S2669 S2\" id=\"t6r_140\">1,182,628 </span><span class=\"S2D08 S266A S2\" id=\"t6s_140\">fixed rate </span><span class=\"S3152 S266A S2\" id=\"t6t_140\">6,555 </span><span class=\"S3153 S266A S2\" id=\"t6u_140\">118,251 </span><span class=\"S2D0B S266A S2\" id=\"t6v_140\">440 </span><span class=\"S2D0C S266A S2\" id=\"t6w_140\">8,408 </span><span class=\"S2D0D S266A S2\" id=\"t6x_140\">5,736 </span><span class=\"S2D0E S266A S2\" id=\"t6y_140\">37,140 </span><span class=\"S2D0F S266A S2\" id=\"t6z_140\">20,288 </span><span class=\"S2D10 S266A S2\" id=\"t70_140\">40,715 </span><span class=\"S2D11 S266A S2\" id=\"t71_140\">188,967 </span><span class=\"S2D12 S266A S2\" id=\"t72_140\">64,125 </span><span class=\"S2D13 S266A S2\" id=\"t73_140\">- </span><span class=\"S2D14 S266A S2\" id=\"t74_140\">- </span><span class=\"S2D15 S266A S2\" id=\"t75_140\">221,986 </span><span class=\"S2D16 S266A S2\" id=\"t76_140\">268,639 </span><span class=\"S2BAF S2669 S2\" id=\"t77_140\">490,625 </span><span class=\"S2D17 S266A S2\" id=\"t78_140\">variable rate </span><span class=\"S3154 S266A S2\" id=\"t79_140\">110,829 </span><span class=\"S3155 S266A S2\" id=\"t7a_140\">186,193 </span><span class=\"S2D1A S266A S2\" id=\"t7b_140\">16,140 </span><span class=\"S2D1B S266A S2\" id=\"t7c_140\">123,009 </span><span class=\"S300A S266A S2\" id=\"t7d_140\">- </span><span class=\"S2D1D S266A S2\" id=\"t7e_140\">124,532 </span><span class=\"S300C S266A S2\" id=\"t7f_140\">- </span><span class=\"S2D1F S266A S2\" id=\"t7g_140\">47,479 </span><span class=\"S2D20 S266A S2\" id=\"t7h_140\">8,616 </span><span class=\"S3156 S266A S2\" id=\"t7i_140\">73,262 </span><span class=\"S2D22 S266A S2\" id=\"t7j_140\">- </span><span class=\"S2D23 S266A S2\" id=\"t7k_140\">- </span><span class=\"S3157 S266A S2\" id=\"t7l_140\">135,585 </span><span class=\"S2D25 S266A S2\" id=\"t7m_140\">554,475 </span><span class=\"S2D26 S2669 S2\" id=\"t7n_140\">690,060 </span><span class=\"S2D27 S266A S2\" id=\"t7o_140\">non-interest-bearing </span><span class=\"S3158 S266A S2\" id=\"t7p_140\">- </span><span class=\"S3159 S266A S2\" id=\"t7q_140\">- </span><span class=\"S2D2A S266A S2\" id=\"t7r_140\">- </span><span class=\"S315A S266A S2\" id=\"t7s_140\">- </span><span class=\"S2D2C S266A S2\" id=\"t7t_140\">- </span><span class=\"S2D2D S266A S2\" id=\"t7u_140\">- </span><span class=\"S2D2E S266A S2\" id=\"t7v_140\">- </span><span class=\"S2D2F S266A S2\" id=\"t7w_140\">- </span><span class=\"S2D30 S266A S2\" id=\"t7x_140\">- </span><span class=\"S2D31 S266A S2\" id=\"t7y_140\">- </span><span class=\"S2EDF S266A S2\" id=\"t7z_140\">- </span><span class=\"S315B S266A S2\" id=\"t80_140\">1,943 </span><span class=\"S315C S266A S2\" id=\"t81_140\">- </span><span class=\"S315D S266A S2\" id=\"t82_140\">1,943 </span><span class=\"S315E S2669 S2\" id=\"t83_140\">1,943 </span><span class=\"S2D36 S2669 S2\" id=\"t84_140\">Loans mandatorily at fair value through </span><span class=\"S315F S2669 S2\" id=\"t85_140\">profit or loss </span><span class=\"S3160 S2669 S2\" id=\"t86_140\">27,185 </span><span class=\"S3161 S2669 S2\" id=\"t87_140\">281 </span><span class=\"S2D3A S2669 S2\" id=\"t88_140\">11,172 </span><span class=\"S3162 S2669 S2\" id=\"t89_140\">- </span><span class=\"S2D3C S2669 S2\" id=\"t8a_140\">73,893 </span><span class=\"S1381 S2669 S2\" id=\"t8b_140\">- </span><span class=\"S3163 S2669 S2\" id=\"t8c_140\">29,473 </span><span class=\"S2D3E S2669 S2\" id=\"t8d_140\">- </span><span class=\"S2D3F S2669 S2\" id=\"t8e_140\">926,107 </span><span class=\"S2D40 S2669 S2\" id=\"t8f_140\">- </span><span class=\"S2D41 S2669 S2\" id=\"t8g_140\">- </span><span class=\"S2D42 S2669 S2\" id=\"t8h_140\">- </span><span class=\"S2D43 S2669 S2\" id=\"t8i_140\">1,067,830 </span><span class=\"S3164 S2669 S2\" id=\"t8j_140\">281 </span><span class=\"S2D45 S2669 S2\" id=\"t8k_140\">1,068,111 </span><span class=\"S2D46 S266A S2\" id=\"t8l_140\">fixed rate </span><span class=\"S3165 S266A S2\" id=\"t8m_140\">2 </span><span class=\"S3166 S266A S2\" id=\"t8n_140\">- </span><span class=\"S2D49 S266A S2\" id=\"t8o_140\">- </span><span class=\"S3167 S266A S2\" id=\"t8p_140\">- </span><span class=\"S2D4A S266A S2\" id=\"t8q_140\">- </span><span class=\"S2D4B S266A S2\" id=\"t8r_140\">- </span><span class=\"S2D4C S266A S2\" id=\"t8s_140\">- </span><span class=\"S2D4D S266A S2\" id=\"t8t_140\">- </span><span class=\"S2D4E S266A S2\" id=\"t8u_140\">- </span><span class=\"S2D4F S266A S2\" id=\"t8v_140\">- </span><span class=\"S2D50 S266A S2\" id=\"t8w_140\">- </span><span class=\"S2D51 S266A S2\" id=\"t8x_140\">- </span><span class=\"S3168 S266A S2\" id=\"t8y_140\">2 </span><span class=\"S2D53 S266A S2\" id=\"t8z_140\">- </span><span class=\"S3169 S2669 S2\" id=\"t90_140\">2 </span><span class=\"S2D55 S266A S2\" id=\"t91_140\">variable rate </span><span class=\"S316A S266A S2\" id=\"t92_140\">27,183 </span><span class=\"S316B S266A S2\" id=\"t93_140\">281 </span><span class=\"S2D58 S266A S2\" id=\"t94_140\">11,172 </span><span class=\"S316C S266A S2\" id=\"t95_140\">- </span><span class=\"S2D5A S266A S2\" id=\"t96_140\">73,893 </span><span class=\"S2D5B S266A S2\" id=\"t97_140\">- </span><span class=\"S316D S266A S2\" id=\"t98_140\">29,473 </span><span class=\"S2D5D S266A S2\" id=\"t99_140\">- </span><span class=\"S2D5E S266A S2\" id=\"t9a_140\">926,107 </span><span class=\"S2D5F S266A S2\" id=\"t9b_140\">- </span><span class=\"S2D60 S266A S2\" id=\"t9c_140\">- </span><span class=\"S2D61 S266A S2\" id=\"t9d_140\">- </span><span class=\"S2D62 S266A S2\" id=\"t9e_140\">1,067,828 </span><span class=\"S316E S266A S2\" id=\"t9f_140\">281 </span><span class=\"S2D64 S2669 S2\" id=\"t9g_140\">1,068,109 </span><span class=\"S2D65 S266A S2\" id=\"t9h_140\">non-interest-bearing </span><span class=\"S316F S266A S2\" id=\"t9i_140\">- </span><span class=\"S3170 S266A S2\" id=\"t9j_140\">- </span><span class=\"S2D68 S266A S2\" id=\"t9k_140\">- </span><span class=\"S3171 S266A S2\" id=\"t9l_140\">- </span><span class=\"S2D6A S266A S2\" id=\"t9m_140\">- </span><span class=\"S2D6B S266A S2\" id=\"t9n_140\">- </span><span class=\"S2D6C S266A S2\" id=\"t9o_140\">- </span><span class=\"S2D6D S266A S2\" id=\"t9p_140\">- </span><span class=\"S2D6E S266A S2\" id=\"t9q_140\">- </span><span class=\"S2D6F S266A S2\" id=\"t9r_140\">- </span><span class=\"S2D70 S266A S2\" id=\"t9s_140\">- </span><span class=\"S2D71 S266A S2\" id=\"t9t_140\">- </span><span class=\"S2D72 S266A S2\" id=\"t9u_140\">- </span><span class=\"S2D73 S266A S2\" id=\"t9v_140\">- </span><span class=\"S2C10 S2669 S2\" id=\"t9w_140\">- </span><span class=\"S2D74 S2669 S2\" id=\"t9x_140\">Fair value adjustment of derivative </span><span class=\"S3172 S2669 S2\" id=\"t9y_140\">financial instruments </span><span class=\"S3173 S2669 S2\" id=\"t9z_140\">1,516,897 </span><span class=\"S3174 S2669 S2\" id=\"ta0_140\">1,249,024 </span><span class=\"S2D78 S2669 S2\" id=\"ta1_140\">395,951 </span><span class=\"S3175 S2669 S2\" id=\"ta2_140\">937,234 </span><span class=\"S2D7A S2669 S2\" id=\"ta3_140\">680,161 </span><span class=\"S2D7B S2669 S2\" id=\"ta4_140\">863,886 </span><span class=\"S2D7C S2669 S2\" id=\"ta5_140\">10,760 </span><span class=\"S2D7D S2669 S2\" id=\"ta6_140\">57,580 </span><span class=\"S2D7E S2669 S2\" id=\"ta7_140\">221,053 </span><span class=\"S2D7F S2669 S2\" id=\"ta8_140\">17,693 </span><span class=\"S3176 S2669 S2\" id=\"ta9_140\">181,110 </span><span class=\"S2D81 S2669 S2\" id=\"taa_140\">672,531 </span><span class=\"S2D82 S2669 S2\" id=\"tab_140\">3,005,932 </span><span class=\"S2D83 S2669 S2\" id=\"tac_140\">3,797,948 </span><span class=\"S2D84 S2669 S2\" id=\"tad_140\">6,803,880 </span><span class=\"S2D85 S266A S2\" id=\"tae_140\">fixed rate </span><span class=\"S3177 S266A S2\" id=\"taf_140\">1,409,585 </span><span class=\"S3178 S266A S2\" id=\"tag_140\">1,125,415 </span><span class=\"S2D88 S266A S2\" id=\"tah_140\">188,029 </span><span class=\"S2D89 S266A S2\" id=\"tai_140\">551,410 </span><span class=\"S2D8A S266A S2\" id=\"taj_140\">574,143 </span><span class=\"S2D8B S266A S2\" id=\"tak_140\">862,177 </span><span class=\"S2D8C S266A S2\" id=\"tal_140\">10,760 </span><span class=\"S2D8D S266A S2\" id=\"tam_140\">57,521 </span><span class=\"S2D8E S266A S2\" id=\"tan_140\">221,053 </span><span class=\"S2D8F S266A S2\" id=\"tao_140\">17,681 </span><span class=\"S2D90 S266A S2\" id=\"tap_140\">- </span><span class=\"S2D91 S266A S2\" id=\"taq_140\">- </span><span class=\"S2D92 S266A S2\" id=\"tar_140\">2,403,570 </span><span class=\"S2D93 S266A S2\" id=\"tas_140\">2,614,204 </span><span class=\"S2D94 S2669 S2\" id=\"tat_140\">5,017,774 </span><span class=\"S2D95 S266A S2\" id=\"tau_140\">variable rate </span><span class=\"S3179 S266A S2\" id=\"tav_140\">107,312 </span><span class=\"S317A S266A S2\" id=\"taw_140\">123,609 </span><span class=\"S2D98 S266A S2\" id=\"tax_140\">207,922 </span><span class=\"S2D99 S266A S2\" id=\"tay_140\">385,824 </span><span class=\"S2D9A S266A S2\" id=\"taz_140\">106,018 </span><span class=\"S317B S266A S2\" id=\"tb0_140\">1,709 </span><span class=\"S2D9C S266A S2\" id=\"tb1_140\">- </span><span class=\"S317C S266A S2\" id=\"tb2_140\">59 </span><span class=\"S2D9E S266A S2\" id=\"tb3_140\">- </span><span class=\"S317D S266A S2\" id=\"tb4_140\">12 </span><span class=\"S2DA0 S266A S2\" id=\"tb5_140\">- </span><span class=\"S2DA1 S266A S2\" id=\"tb6_140\">- </span><span class=\"S2DA2 S266A S2\" id=\"tb7_140\">421,252 </span><span class=\"S2DA3 S266A S2\" id=\"tb8_140\">511,213 </span><span class=\"S317E S2669 S2\" id=\"tb9_140\">932,465 </span><span class=\"S2DA5 S266A S2\" id=\"tba_140\">non-interest-bearing </span><span class=\"S317F S266A S2\" id=\"tbb_140\">- </span><span class=\"S3180 S266A S2\" id=\"tbc_140\">- </span><span class=\"S2DA8 S266A S2\" id=\"tbd_140\">- </span><span class=\"S3181 S266A S2\" id=\"tbe_140\">- </span><span class=\"S2DAA S266A S2\" id=\"tbf_140\">- </span><span class=\"S2DAB S266A S2\" id=\"tbg_140\">- </span><span class=\"S2DAC S266A S2\" id=\"tbh_140\">- </span><span class=\"S2DAD S266A S2\" id=\"tbi_140\">- </span><span class=\"S2DAE S266A S2\" id=\"tbj_140\">- </span><span class=\"S2DAF S266A S2\" id=\"tbk_140\">- </span><span class=\"S3182 S266A S2\" id=\"tbl_140\">181,110 </span><span class=\"S2DB1 S266A S2\" id=\"tbm_140\">672,531 </span><span class=\"S3183 S266A S2\" id=\"tbn_140\">181,110 </span><span class=\"S2DB3 S266A S2\" id=\"tbo_140\">672,531 </span><span class=\"S2DB4 S2669 S2\" id=\"tbp_140\">853,641 </span><span class=\"S2DB5 S2669 S2\" id=\"tbq_140\">Other financial assets </span><span class=\"S3184 S2669 S2\" id=\"tbr_140\">3,395 </span><span class=\"S3185 S2669 S2\" id=\"tbs_140\">13,864 </span><span class=\"S2DB8 S2669 S2\" id=\"tbt_140\">1,261 </span><span class=\"S3186 S2669 S2\" id=\"tbu_140\">19 </span><span class=\"S2DBA S2669 S2\" id=\"tbv_140\">- </span><span class=\"S2DBB S2669 S2\" id=\"tbw_140\">212 </span><span class=\"S2DBC S2669 S2\" id=\"tbx_140\">- </span><span class=\"S2DBD S2669 S2\" id=\"tby_140\">- </span><span class=\"S2DBE S2669 S2\" id=\"tbz_140\">- </span><span class=\"S2DBF S2669 S2\" id=\"tc0_140\">128 </span><span class=\"S2DC0 S2669 S2\" id=\"tc1_140\">49,086 </span><span class=\"S3187 S2669 S2\" id=\"tc2_140\">67,951 </span><span class=\"S2DC2 S2669 S2\" id=\"tc3_140\">53,742 </span><span class=\"S3188 S2669 S2\" id=\"tc4_140\">82,174 </span><span class=\"S2DC4 S2669 S2\" id=\"tc5_140\">135,916 </span><span class=\"S2DC5 S266A S2\" id=\"tc6_140\">fixed rate </span><span class=\"S3189 S266A S2\" id=\"tc7_140\">3,393 </span><span class=\"S318A S266A S2\" id=\"tc8_140\">4,860 </span><span class=\"S2DC8 S266A S2\" id=\"tc9_140\">1,155 </span><span class=\"S318B S266A S2\" id=\"tca_140\">13 </span><span class=\"S2DCA S266A S2\" id=\"tcb_140\">- </span><span class=\"S318C S266A S2\" id=\"tcc_140\">12 </span><span class=\"S2DCC S266A S2\" id=\"tcd_140\">- </span><span class=\"S2DCD S266A S2\" id=\"tce_140\">- </span><span class=\"S2DCE S266A S2\" id=\"tcf_140\">- </span><span class=\"S2DCF S266A S2\" id=\"tcg_140\">103 </span><span class=\"S2DD0 S266A S2\" id=\"tch_140\">- </span><span class=\"S2DD1 S266A S2\" id=\"tci_140\">- </span><span class=\"S2DD2 S266A S2\" id=\"tcj_140\">4,548 </span><span class=\"S318D S266A S2\" id=\"tck_140\">4,988 </span><span class=\"S318E S2669 S2\" id=\"tcl_140\">9,536 </span><span class=\"S2DD5 S266A S2\" id=\"tcm_140\">variable rate </span><span class=\"S318F S266A S2\" id=\"tcn_140\">2 </span><span class=\"S3190 S266A S2\" id=\"tco_140\">9,004 </span><span class=\"S2DD8 S266A S2\" id=\"tcp_140\">106 </span><span class=\"S3191 S266A S2\" id=\"tcq_140\">6 </span><span class=\"S2DDA S266A S2\" id=\"tcr_140\">- </span><span class=\"S3192 S266A S2\" id=\"tcs_140\">200 </span><span class=\"S2DDC S266A S2\" id=\"tct_140\">- </span><span class=\"S2DDD S266A S2\" id=\"tcu_140\">- </span><span class=\"S2DDE S266A S2\" id=\"tcv_140\">- </span><span class=\"S2DDF S266A S2\" id=\"tcw_140\">25 </span><span class=\"S2DE0 S266A S2\" id=\"tcx_140\">- </span><span class=\"S2DE1 S266A S2\" id=\"tcy_140\">- </span><span class=\"S2DE2 S266A S2\" id=\"tcz_140\">108 </span><span class=\"S3193 S266A S2\" id=\"td0_140\">9,235 </span><span class=\"S3194 S2669 S2\" id=\"td1_140\">9,343 </span><span class=\"S2DE5 S266A S2\" id=\"td2_140\">non-interest-bearing </span><span class=\"S3195 S266A S2\" id=\"td3_140\">- </span><span class=\"S3196 S266A S2\" id=\"td4_140\">- </span><span class=\"S2DE8 S266A S2\" id=\"td5_140\">- </span><span class=\"S3197 S266A S2\" id=\"td6_140\">- </span><span class=\"S2DEA S266A S2\" id=\"td7_140\">- </span><span class=\"S2DEB S266A S2\" id=\"td8_140\">- </span><span class=\"S2DEC S266A S2\" id=\"td9_140\">- </span><span class=\"S2DED S266A S2\" id=\"tda_140\">- </span><span class=\"S2DEE S266A S2\" id=\"tdb_140\">- </span><span class=\"S2DEF S266A S2\" id=\"tdc_140\">- </span><span class=\"S2DF0 S266A S2\" id=\"tdd_140\">49,086 </span><span class=\"S3198 S266A S2\" id=\"tde_140\">67,951 </span><span class=\"S2DF2 S266A S2\" id=\"tdf_140\">49,086 </span><span class=\"S3199 S266A S2\" id=\"tdg_140\">67,951 </span><span class=\"S2DF4 S2669 S2\" id=\"tdh_140\">117,037 </span><span class=\"S2AC1 SB S2\" id=\"t5_141\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_141\">As at 31 December 2021 [continued] </span><span class=\"S319A S2669 S2\" id=\"t7_141\">LIABILITIES </span><span class=\"S319B S2669 S2\" id=\"t8_141\">Within 1 month </span><span class=\"S319C S2669 S2\" id=\"t9_141\">Over 1 month and </span><span class=\"S319D S2669 S2\" id=\"ta_141\">Within 3 months </span><span class=\"S319E S2669 S2\" id=\"tb_141\">Over 3 months and </span><span class=\"S319F S2669 S2\" id=\"tc_141\">Within 12 months </span><span class=\"S31A0 S2669 S2\" id=\"td_141\">Over 1 year and </span><span class=\"S31A1 S2669 S2\" id=\"te_141\">Within 2 years </span><span class=\"S2DFE S2669 S2\" id=\"tf_141\">Over 2 years </span><span class=\"S2DFF S2669 S2\" id=\"tg_141\">Non-interest- </span><span class=\"S2E00 S2669 S2\" id=\"th_141\">bearing </span><span class=\"S2C2D S2669 S2\" id=\"ti_141\">Total </span><span class=\"S2C2E S2669 S2\" id=\"tj_141\">Total </span><span class=\"S31A2 S2669 S2\" id=\"tk_141\">HUF </span><span class=\"S31A3 S2669 S2\" id=\"tl_141\">Currency </span><span class=\"S31A4 S2669 S2\" id=\"tm_141\">HUF </span><span class=\"S31A5 S2669 S2\" id=\"tn_141\">Currency </span><span class=\"S31A6 S2669 S2\" id=\"to_141\">HUF </span><span class=\"S31A7 S2669 S2\" id=\"tp_141\">Currency </span><span class=\"S31A8 S2669 S2\" id=\"tq_141\">HUF </span><span class=\"S2E08 S2669 S2\" id=\"tr_141\">Currency </span><span class=\"S2E09 S2669 S2\" id=\"ts_141\">HUF </span><span class=\"S2E0A S2669 S2\" id=\"tt_141\">Currency </span><span class=\"S2E0B S2669 S2\" id=\"tu_141\">HUF </span><span class=\"S2C3A S2669 S2\" id=\"tv_141\">Currency </span><span class=\"S2C3B S2669 S2\" id=\"tw_141\">HUF </span><span class=\"S2C3C S2669 S2\" id=\"tx_141\">Currency </span><span class=\"S2E0C S2669 S2\" id=\"ty_141\">Amounts due to banks, the Hungarian </span><span class=\"S2E0D S2669 S2\" id=\"tz_141\">Government, deposits </span><span class=\"S31A9 S2669 S2\" id=\"t10_141\">from the National Bank of Hungary and </span><span class=\"S2E0F S2669 S2\" id=\"t11_141\">other banks </span><span class=\"S31AA S2669 S2\" id=\"t12_141\">103,123 </span><span class=\"S31AB S2669 S2\" id=\"t13_141\">200,292 </span><span class=\"S31AC S2669 S2\" id=\"t14_141\">41,404 </span><span class=\"S31AD S2669 S2\" id=\"t15_141\">56,912 </span><span class=\"S31AE S2669 S2\" id=\"t16_141\">26,730 </span><span class=\"S31AF S2669 S2\" id=\"t17_141\">79,200 </span><span class=\"S31B0 S2669 S2\" id=\"t18_141\">355,132 </span><span class=\"S31B1 S2669 S2\" id=\"t19_141\">26,401 </span><span class=\"S2E18 S2669 S2\" id=\"t1a_141\">616,005 </span><span class=\"S2E19 S2669 S2\" id=\"t1b_141\">12,724 </span><span class=\"S2E1A S2669 S2\" id=\"t1c_141\">35,951 </span><span class=\"S2E1B S2669 S2\" id=\"t1d_141\">13,474 </span><span class=\"S2E1C S2669 S2\" id=\"t1e_141\">1,178,345 </span><span class=\"S2E1D S2669 S2\" id=\"t1f_141\">389,003 </span><span class=\"S2AFF S2669 S2\" id=\"t1g_141\">1,567,348 </span><span class=\"S2E1E S266A S2\" id=\"t1h_141\">fixed rate </span><span class=\"S31B2 S266A S2\" id=\"t1i_141\">58,913 </span><span class=\"S31B3 S266A S2\" id=\"t1j_141\">103,240 </span><span class=\"S31B4 S266A S2\" id=\"t1k_141\">12,367 </span><span class=\"S31B5 S266A S2\" id=\"t1l_141\">23,208 </span><span class=\"S31B6 S266A S2\" id=\"t1m_141\">26,730 </span><span class=\"S31B7 S266A S2\" id=\"t1n_141\">52,310 </span><span class=\"S31B8 S266A S2\" id=\"t1o_141\">355,132 </span><span class=\"S31B9 S266A S2\" id=\"t1p_141\">26,356 </span><span class=\"S2E27 S266A S2\" id=\"t1q_141\">615,961 </span><span class=\"S2E28 S266A S2\" id=\"t1r_141\">12,724 </span><span class=\"S2E29 S266A S2\" id=\"t1s_141\">- </span><span class=\"S2E2A S266A S2\" id=\"t1t_141\">- </span><span class=\"S31BA S266A S2\" id=\"t1u_141\">1,069,103 </span><span class=\"S2E2C S266A S2\" id=\"t1v_141\">217,838 </span><span class=\"S2E2D S2669 S2\" id=\"t1w_141\">1,286,941 </span><span class=\"S2E2E S266A S2\" id=\"t1x_141\">variable rate </span><span class=\"S31BB S266A S2\" id=\"t1y_141\">44,210 </span><span class=\"S31BC S266A S2\" id=\"t1z_141\">97,052 </span><span class=\"S31BD S266A S2\" id=\"t20_141\">29,037 </span><span class=\"S31BE S266A S2\" id=\"t21_141\">33,704 </span><span class=\"S31BF S266A S2\" id=\"t22_141\">- </span><span class=\"S31C0 S266A S2\" id=\"t23_141\">26,890 </span><span class=\"S2E35 S266A S2\" id=\"t24_141\">- </span><span class=\"S31C1 S266A S2\" id=\"t25_141\">45 </span><span class=\"S31C2 S266A S2\" id=\"t26_141\">44 </span><span class=\"S3063 S266A S2\" id=\"t27_141\">- </span><span class=\"S2C87 S266A S2\" id=\"t28_141\">- </span><span class=\"S2C88 S266A S2\" id=\"t29_141\">- </span><span class=\"S31C3 S266A S2\" id=\"t2a_141\">73,291 </span><span class=\"S2E3A S266A S2\" id=\"t2b_141\">157,691 </span><span class=\"S2E3B S2669 S2\" id=\"t2c_141\">230,982 </span><span class=\"S2E3C S266A S2\" id=\"t2d_141\">non-interest-bearing </span><span class=\"S31C4 S266A S2\" id=\"t2e_141\">- </span><span class=\"S31C5 S266A S2\" id=\"t2f_141\">- </span><span class=\"S31C6 S266A S2\" id=\"t2g_141\">- </span><span class=\"S31C7 S266A S2\" id=\"t2h_141\">- </span><span class=\"S31C8 S266A S2\" id=\"t2i_141\">- </span><span class=\"S31C9 S266A S2\" id=\"t2j_141\">- </span><span class=\"S2E43 S266A S2\" id=\"t2k_141\">- </span><span class=\"S2E44 S266A S2\" id=\"t2l_141\">- </span><span class=\"S2E45 S266A S2\" id=\"t2m_141\">- </span><span class=\"S2E46 S266A S2\" id=\"t2n_141\">- </span><span class=\"S2E47 S266A S2\" id=\"t2o_141\">35,951 </span><span class=\"S2E48 S266A S2\" id=\"t2p_141\">13,474 </span><span class=\"S2E49 S266A S2\" id=\"t2q_141\">35,951 </span><span class=\"S2E4A S266A S2\" id=\"t2r_141\">13,474 </span><span class=\"S2F8C S2669 S2\" id=\"t2s_141\">49,425 </span><span class=\"S2E4C S2669 S2\" id=\"t2t_141\">Repo liabilities </span><span class=\"S31CA S2669 S2\" id=\"t2u_141\">49,726 </span><span class=\"S31CB S2669 S2\" id=\"t2v_141\">29,321 </span><span class=\"S31CC S2669 S2\" id=\"t2w_141\">- </span><span class=\"S31CD S2669 S2\" id=\"t2x_141\">- </span><span class=\"S31CE S2669 S2\" id=\"t2y_141\">- </span><span class=\"S31CF S2669 S2\" id=\"t2z_141\">- </span><span class=\"S2E53 S2669 S2\" id=\"t30_141\">- </span><span class=\"S2E54 S2669 S2\" id=\"t31_141\">- </span><span class=\"S2E55 S2669 S2\" id=\"t32_141\">- </span><span class=\"S2E56 S2669 S2\" id=\"t33_141\">- </span><span class=\"S2CA5 S2669 S2\" id=\"t34_141\">- </span><span class=\"S2CA6 S2669 S2\" id=\"t35_141\">- </span><span class=\"S2CA7 S2669 S2\" id=\"t36_141\">49,726 </span><span class=\"S3135 S2669 S2\" id=\"t37_141\">29,321 </span><span class=\"S2CA9 S2669 S2\" id=\"t38_141\">79,047 </span><span class=\"S2E58 S266A S2\" id=\"t39_141\">fixed rate </span><span class=\"S31D0 S266A S2\" id=\"t3a_141\">49,726 </span><span class=\"S31D1 S266A S2\" id=\"t3b_141\">29,321 </span><span class=\"S31D2 S266A S2\" id=\"t3c_141\">- </span><span class=\"S31D3 S266A S2\" id=\"t3d_141\">- </span><span class=\"S31D4 S266A S2\" id=\"t3e_141\">- </span><span class=\"S31D5 S266A S2\" id=\"t3f_141\">- </span><span class=\"S2E5F S266A S2\" id=\"t3g_141\">- </span><span class=\"S2E60 S266A S2\" id=\"t3h_141\">- </span><span class=\"S2E61 S266A S2\" id=\"t3i_141\">- </span><span class=\"S2E62 S266A S2\" id=\"t3j_141\">- </span><span class=\"S2CB5 S266A S2\" id=\"t3k_141\">- </span><span class=\"S2CB6 S266A S2\" id=\"t3l_141\">- </span><span class=\"S2E63 S266A S2\" id=\"t3m_141\">49,726 </span><span class=\"S31D6 S266A S2\" id=\"t3n_141\">29,321 </span><span class=\"S2E65 S2669 S2\" id=\"t3o_141\">79,047 </span><span class=\"S2E66 S266A S2\" id=\"t3p_141\">variable rate </span><span class=\"S31D7 S266A S2\" id=\"t3q_141\">- </span><span class=\"S31D8 S266A S2\" id=\"t3r_141\">- </span><span class=\"S31D9 S266A S2\" id=\"t3s_141\">- </span><span class=\"S31DA S266A S2\" id=\"t3t_141\">- </span><span class=\"S31DB S266A S2\" id=\"t3u_141\">- </span><span class=\"S31DC S266A S2\" id=\"t3v_141\">- </span><span class=\"S2E6D S266A S2\" id=\"t3w_141\">- </span><span class=\"S2E6E S266A S2\" id=\"t3x_141\">- </span><span class=\"S2E6F S266A S2\" id=\"t3y_141\">- </span><span class=\"S2E70 S266A S2\" id=\"t3z_141\">- </span><span class=\"S2E71 S266A S2\" id=\"t40_141\">- </span><span class=\"S2E72 S266A S2\" id=\"t41_141\">- </span><span class=\"S31DD S266A S2\" id=\"t42_141\">- </span><span class=\"S31DE S266A S2\" id=\"t43_141\">- </span><span class=\"S31DF S2669 S2\" id=\"t44_141\">- </span><span class=\"S2E75 S266A S2\" id=\"t45_141\">non-interest-bearing </span><span class=\"S31E0 S266A S2\" id=\"t46_141\">- </span><span class=\"S31E1 S266A S2\" id=\"t47_141\">- </span><span class=\"S31E2 S266A S2\" id=\"t48_141\">- </span><span class=\"S31E3 S266A S2\" id=\"t49_141\">- </span><span class=\"S31E4 S266A S2\" id=\"t4a_141\">- </span><span class=\"S31E5 S266A S2\" id=\"t4b_141\">- </span><span class=\"S2E7C S266A S2\" id=\"t4c_141\">- </span><span class=\"S2E7D S266A S2\" id=\"t4d_141\">- </span><span class=\"S2E7E S266A S2\" id=\"t4e_141\">- </span><span class=\"S2E7F S266A S2\" id=\"t4f_141\">- </span><span class=\"S2E80 S266A S2\" id=\"t4g_141\">- </span><span class=\"S2E81 S266A S2\" id=\"t4h_141\">- </span><span class=\"S2E82 S266A S2\" id=\"t4i_141\">- </span><span class=\"S2E83 S266A S2\" id=\"t4j_141\">- </span><span class=\"S2E84 S2669 S2\" id=\"t4k_141\">- </span><span class=\"S31E6 S2669 S2\" id=\"t4l_141\">Financial liabilities designated at fair </span><span class=\"S31E7 S2669 S2\" id=\"t4m_141\">value through profit or loss </span><span class=\"S31E8 S2669 S2\" id=\"t4n_141\">20,133 </span><span class=\"S31E9 S2669 S2\" id=\"t4o_141\">- </span><span class=\"S31EA S2669 S2\" id=\"t4p_141\">- </span><span class=\"S31EB S2669 S2\" id=\"t4q_141\">- </span><span class=\"S31EC S2669 S2\" id=\"t4r_141\">- </span><span class=\"S31ED S2669 S2\" id=\"t4s_141\">- </span><span class=\"S2E8D S2669 S2\" id=\"t4t_141\">- </span><span class=\"S2E8E S2669 S2\" id=\"t4u_141\">- </span><span class=\"S2E8F S2669 S2\" id=\"t4v_141\">- </span><span class=\"S2E90 S2669 S2\" id=\"t4w_141\">- </span><span class=\"S2E91 S2669 S2\" id=\"t4x_141\">21,051 </span><span class=\"S2CE5 S2669 S2\" id=\"t4y_141\">- </span><span class=\"S2E92 S2669 S2\" id=\"t4z_141\">41,184 </span><span class=\"S2E93 S2669 S2\" id=\"t50_141\">- </span><span class=\"S2E94 S2669 S2\" id=\"t51_141\">41,184 </span><span class=\"S2E95 S266A S2\" id=\"t52_141\">fixed rate </span><span class=\"S31EE S266A S2\" id=\"t53_141\">- </span><span class=\"S31EF S266A S2\" id=\"t54_141\">- </span><span class=\"S31F0 S266A S2\" id=\"t55_141\">- </span><span class=\"S31F1 S266A S2\" id=\"t56_141\">- </span><span class=\"S31F2 S266A S2\" id=\"t57_141\">- </span><span class=\"S31F3 S266A S2\" id=\"t58_141\">- </span><span class=\"S2E9C S266A S2\" id=\"t59_141\">- </span><span class=\"S2E9D S266A S2\" id=\"t5a_141\">- </span><span class=\"S2E9E S266A S2\" id=\"t5b_141\">- </span><span class=\"S2E9F S266A S2\" id=\"t5c_141\">- </span><span class=\"S2EA0 S266A S2\" id=\"t5d_141\">- </span><span class=\"S2EA1 S266A S2\" id=\"t5e_141\">- </span><span class=\"S31F4 S266A S2\" id=\"t5f_141\">- </span><span class=\"S2EA3 S266A S2\" id=\"t5g_141\">- </span><span class=\"S2B9E S2669 S2\" id=\"t5h_141\">- </span><span class=\"S2EA5 S266A S2\" id=\"t5i_141\">variable rate </span><span class=\"S31F5 S266A S2\" id=\"t5j_141\">20,133 </span><span class=\"S25C5 S266A S2\" id=\"t5k_141\">- </span><span class=\"S31F6 S266A S2\" id=\"t5l_141\">- </span><span class=\"S31F7 S266A S2\" id=\"t5m_141\">- </span><span class=\"S31F8 S266A S2\" id=\"t5n_141\">- </span><span class=\"S31F9 S266A S2\" id=\"t5o_141\">- </span><span class=\"S2EAC S266A S2\" id=\"t5p_141\">- </span><span class=\"S2EAD S266A S2\" id=\"t5q_141\">- </span><span class=\"S2EAE S266A S2\" id=\"t5r_141\">- </span><span class=\"S2EAF S266A S2\" id=\"t5s_141\">- </span><span class=\"S2EB0 S266A S2\" id=\"t5t_141\">- </span><span class=\"S2EB1 S266A S2\" id=\"t5u_141\">- </span><span class=\"S2EB2 S266A S2\" id=\"t5v_141\">20,133 </span><span class=\"S2EB3 S266A S2\" id=\"t5w_141\">- </span><span class=\"S2EB4 S2669 S2\" id=\"t5x_141\">20,133 </span><span class=\"S2EB5 S266A S2\" id=\"t5y_141\">non-interest-bearing </span><span class=\"S31FA S266A S2\" id=\"t5z_141\">- </span><span class=\"S31FB S266A S2\" id=\"t60_141\">- </span><span class=\"S31FC S266A S2\" id=\"t61_141\">- </span><span class=\"S31FD S266A S2\" id=\"t62_141\">- </span><span class=\"S31FE S266A S2\" id=\"t63_141\">- </span><span class=\"S31FF S266A S2\" id=\"t64_141\">- </span><span class=\"S2EBC S266A S2\" id=\"t65_141\">- </span><span class=\"S2EBD S266A S2\" id=\"t66_141\">- </span><span class=\"S2EBE S266A S2\" id=\"t67_141\">- </span><span class=\"S2EBF S266A S2\" id=\"t68_141\">- </span><span class=\"S2EC0 S266A S2\" id=\"t69_141\">21,051 </span><span class=\"S2D14 S266A S2\" id=\"t6a_141\">- </span><span class=\"S2EC1 S266A S2\" id=\"t6b_141\">21,051 </span><span class=\"S2EC2 S266A S2\" id=\"t6c_141\">- </span><span class=\"S2EC3 S2669 S2\" id=\"t6d_141\">21,051 </span><span class=\"S3200 S2669 S2\" id=\"t6e_141\">Deposits from customers </span><span class=\"S2D18 S2669 S2\" id=\"t6f_141\">7,533,566 </span><span class=\"S3201 S2669 S2\" id=\"t6g_141\">10,675,265 </span><span class=\"S3202 S2669 S2\" id=\"t6h_141\">198,955 </span><span class=\"S3203 S2669 S2\" id=\"t6i_141\">456,849 </span><span class=\"S3204 S2669 S2\" id=\"t6j_141\">94,140 </span><span class=\"S3205 S2669 S2\" id=\"t6k_141\">735,911 </span><span class=\"S2ECB S2669 S2\" id=\"t6l_141\">31,975 </span><span class=\"S3206 S2669 S2\" id=\"t6m_141\">75,104 </span><span class=\"S2ECD S2669 S2\" id=\"t6n_141\">248,209 </span><span class=\"S2ECE S2669 S2\" id=\"t6o_141\">120,403 </span><span class=\"S2ECF S2669 S2\" id=\"t6p_141\">16,356 </span><span class=\"S2ED0 S2669 S2\" id=\"t6q_141\">881,911 </span><span class=\"S2ED1 S2669 S2\" id=\"t6r_141\">8,123,201 </span><span class=\"S2ED2 S2669 S2\" id=\"t6s_141\">12,945,443 </span><span class=\"S2ED3 S2669 S2\" id=\"t6t_141\">21,068,644 </span><span class=\"S2ED4 S266A S2\" id=\"t6u_141\">fixed rate </span><span class=\"S3207 S266A S2\" id=\"t6v_141\">463,512 </span><span class=\"S3208 S266A S2\" id=\"t6w_141\">4,039,568 </span><span class=\"S3209 S266A S2\" id=\"t6x_141\">198,955 </span><span class=\"S320A S266A S2\" id=\"t6y_141\">456,849 </span><span class=\"S320B S266A S2\" id=\"t6z_141\">92,653 </span><span class=\"S320C S266A S2\" id=\"t70_141\">735,911 </span><span class=\"S2EDB S266A S2\" id=\"t71_141\">31,975 </span><span class=\"S320D S266A S2\" id=\"t72_141\">74,680 </span><span class=\"S2EDD S266A S2\" id=\"t73_141\">248,209 </span><span class=\"S2EDE S266A S2\" id=\"t74_141\">120,403 </span><span class=\"S2EDF S266A S2\" id=\"t75_141\">- </span><span class=\"S2EE0 S266A S2\" id=\"t76_141\">- </span><span class=\"S2EE1 S266A S2\" id=\"t77_141\">1,035,304 </span><span class=\"S2EE2 S266A S2\" id=\"t78_141\">5,427,411 </span><span class=\"S320E S2669 S2\" id=\"t79_141\">6,462,715 </span><span class=\"S2EE4 S266A S2\" id=\"t7a_141\">variable rate </span><span class=\"S320F S266A S2\" id=\"t7b_141\">7,070,054 </span><span class=\"S3210 S266A S2\" id=\"t7c_141\">6,635,697 </span><span class=\"S3211 S266A S2\" id=\"t7d_141\">- </span><span class=\"S3212 S266A S2\" id=\"t7e_141\">- </span><span class=\"S3213 S266A S2\" id=\"t7f_141\">1,487 </span><span class=\"S3214 S266A S2\" id=\"t7g_141\">- </span><span class=\"S2EEB S266A S2\" id=\"t7h_141\">- </span><span class=\"S3215 S266A S2\" id=\"t7i_141\">424 </span><span class=\"S2EED S266A S2\" id=\"t7j_141\">- </span><span class=\"S2EEE S266A S2\" id=\"t7k_141\">- </span><span class=\"S2EEF S266A S2\" id=\"t7l_141\">- </span><span class=\"S2EF0 S266A S2\" id=\"t7m_141\">- </span><span class=\"S2EF1 S266A S2\" id=\"t7n_141\">7,071,541 </span><span class=\"S2EF2 S266A S2\" id=\"t7o_141\">6,636,121 </span><span class=\"S2EF3 S2669 S2\" id=\"t7p_141\">13,707,662 </span><span class=\"S2EF4 S266A S2\" id=\"t7q_141\">non-interest-bearing </span><span class=\"S3216 S266A S2\" id=\"t7r_141\">- </span><span class=\"S3217 S266A S2\" id=\"t7s_141\">- </span><span class=\"S3218 S266A S2\" id=\"t7t_141\">- </span><span class=\"S3219 S266A S2\" id=\"t7u_141\">- </span><span class=\"S321A S266A S2\" id=\"t7v_141\">- </span><span class=\"S321B S266A S2\" id=\"t7w_141\">- </span><span class=\"S2EFB S266A S2\" id=\"t7x_141\">- </span><span class=\"S2EFC S266A S2\" id=\"t7y_141\">- </span><span class=\"S2EFD S266A S2\" id=\"t7z_141\">- </span><span class=\"S2EFE S266A S2\" id=\"t80_141\">- </span><span class=\"S2EFF S266A S2\" id=\"t81_141\">16,356 </span><span class=\"S2F00 S266A S2\" id=\"t82_141\">881,911 </span><span class=\"S2F01 S266A S2\" id=\"t83_141\">16,356 </span><span class=\"S2F02 S266A S2\" id=\"t84_141\">881,911 </span><span class=\"S2F03 S2669 S2\" id=\"t85_141\">898,267 </span><span class=\"S2F04 S2669 S2\" id=\"t86_141\">Liabilities from issued securities </span><span class=\"S321C S2669 S2\" id=\"t87_141\">864 </span><span class=\"S240E S2669 S2\" id=\"t88_141\">- </span><span class=\"S321D S2669 S2\" id=\"t89_141\">8,514 </span><span class=\"S321E S2669 S2\" id=\"t8a_141\">- </span><span class=\"S321F S2669 S2\" id=\"t8b_141\">170,732 </span><span class=\"S3220 S2669 S2\" id=\"t8c_141\">- </span><span class=\"S30EF S2669 S2\" id=\"t8d_141\">- </span><span class=\"S3221 S2669 S2\" id=\"t8e_141\">51 </span><span class=\"S2F0D S2669 S2\" id=\"t8f_141\">256,151 </span><span class=\"S30F1 S2669 S2\" id=\"t8g_141\">- </span><span class=\"S2D50 S2669 S2\" id=\"t8h_141\">- </span><span class=\"S2F0F S2669 S2\" id=\"t8i_141\">13 </span><span class=\"S2F10 S2669 S2\" id=\"t8j_141\">436,261 </span><span class=\"S3222 S2669 S2\" id=\"t8k_141\">64 </span><span class=\"S2F12 S2669 S2\" id=\"t8l_141\">436,325 </span><span class=\"S2BF1 S266A S2\" id=\"t8m_141\">fixed rate </span><span class=\"S3223 S266A S2\" id=\"t8n_141\">211 </span><span class=\"S3224 S266A S2\" id=\"t8o_141\">- </span><span class=\"S3225 S266A S2\" id=\"t8p_141\">- </span><span class=\"S3226 S266A S2\" id=\"t8q_141\">- </span><span class=\"S3227 S266A S2\" id=\"t8r_141\">- </span><span class=\"S3228 S266A S2\" id=\"t8s_141\">- </span><span class=\"S30FA S266A S2\" id=\"t8t_141\">- </span><span class=\"S3229 S266A S2\" id=\"t8u_141\">51 </span><span class=\"S2F1B S266A S2\" id=\"t8v_141\">256,151 </span><span class=\"S30FC S266A S2\" id=\"t8w_141\">- </span><span class=\"S2D60 S266A S2\" id=\"t8x_141\">- </span><span class=\"S2D61 S266A S2\" id=\"t8y_141\">- </span><span class=\"S2F1D S266A S2\" id=\"t8z_141\">256,362 </span><span class=\"S322A S266A S2\" id=\"t90_141\">51 </span><span class=\"S2F1F S2669 S2\" id=\"t91_141\">256,413 </span><span class=\"S2C01 S266A S2\" id=\"t92_141\">variable rate </span><span class=\"S322B S266A S2\" id=\"t93_141\">653 </span><span class=\"S322C S266A S2\" id=\"t94_141\">- </span><span class=\"S322D S266A S2\" id=\"t95_141\">8,514 </span><span class=\"S322E S266A S2\" id=\"t96_141\">- </span><span class=\"S322F S266A S2\" id=\"t97_141\">170,732 </span><span class=\"S3230 S266A S2\" id=\"t98_141\">- </span><span class=\"S2F26 S266A S2\" id=\"t99_141\">- </span><span class=\"S2F27 S266A S2\" id=\"t9a_141\">- </span><span class=\"S2F28 S266A S2\" id=\"t9b_141\">- </span><span class=\"S2F29 S266A S2\" id=\"t9c_141\">- </span><span class=\"S2D70 S266A S2\" id=\"t9d_141\">- </span><span class=\"S2D71 S266A S2\" id=\"t9e_141\">- </span><span class=\"S2F2A S266A S2\" id=\"t9f_141\">179,899 </span><span class=\"S2D73 S266A S2\" id=\"t9g_141\">- </span><span class=\"S2F2B S2669 S2\" id=\"t9h_141\">179,899 </span><span class=\"S2C11 S266A S2\" id=\"t9i_141\">non-interest-bearing </span><span class=\"S3231 S266A S2\" id=\"t9j_141\">- </span><span class=\"S3232 S266A S2\" id=\"t9k_141\">- </span><span class=\"S3233 S266A S2\" id=\"t9l_141\">- </span><span class=\"S3234 S266A S2\" id=\"t9m_141\">- </span><span class=\"S3235 S266A S2\" id=\"t9n_141\">- </span><span class=\"S3236 S266A S2\" id=\"t9o_141\">- </span><span class=\"S2F32 S266A S2\" id=\"t9p_141\">- </span><span class=\"S2F33 S266A S2\" id=\"t9q_141\">- </span><span class=\"S2F34 S266A S2\" id=\"t9r_141\">- </span><span class=\"S2F35 S266A S2\" id=\"t9s_141\">- </span><span class=\"S2F36 S266A S2\" id=\"t9t_141\">- </span><span class=\"S2F37 S266A S2\" id=\"t9u_141\">13 </span><span class=\"S2F38 S266A S2\" id=\"t9v_141\">- </span><span class=\"S2F39 S266A S2\" id=\"t9w_141\">13 </span><span class=\"S2F3A S2669 S2\" id=\"t9x_141\">13 </span><span class=\"S3237 SB S2\" id=\"t5_142\">37.4.  Interest rate risk management [continued] </span><span class=\"S2DF5 SB S2\" id=\"t6_142\">As at 31 December 2021 [continued] </span><span class=\"S3238 S2669 S2\" id=\"t7_142\">LIABILITIES [continued] </span><span class=\"S2C23 S2669 S2\" id=\"t8_142\">Within 1 month </span><span class=\"S3110 S2669 S2\" id=\"t9_142\">Over 1 month and </span><span class=\"S3111 S2669 S2\" id=\"ta_142\">Within 3 months </span><span class=\"S2C26 S2669 S2\" id=\"tb_142\">Over 3 months and </span><span class=\"S2C27 S2669 S2\" id=\"tc_142\">Within 12 months </span><span class=\"S2C28 S2669 S2\" id=\"td_142\">Over 1 year and </span><span class=\"S2C29 S2669 S2\" id=\"te_142\">Within 2 years </span><span class=\"S2C2A S2669 S2\" id=\"tf_142\">Over 2 years </span><span class=\"S3239 S2669 S2\" id=\"tg_142\">Non-interest-bearing </span><span class=\"S2F3E S2669 S2\" id=\"th_142\">Total </span><span class=\"S2ACF S2669 S2\" id=\"ti_142\">Total </span><span class=\"S323A S2669 S2\" id=\"tj_142\">HUF </span><span class=\"S323B S2669 S2\" id=\"tk_142\">Currency </span><span class=\"S3114 S2669 S2\" id=\"tl_142\">HUF </span><span class=\"S2C32 S2669 S2\" id=\"tm_142\">Currency </span><span class=\"S2C33 S2669 S2\" id=\"tn_142\">HUF </span><span class=\"S2C34 S2669 S2\" id=\"to_142\">Currency </span><span class=\"S2C35 S2669 S2\" id=\"tp_142\">HUF </span><span class=\"S2C36 S2669 S2\" id=\"tq_142\">Currency </span><span class=\"S323C S2669 S2\" id=\"tr_142\">HUF </span><span class=\"S2C38 S2669 S2\" id=\"ts_142\">Currency </span><span class=\"S2F41 S2669 S2\" id=\"tt_142\">HUF </span><span class=\"S2F42 S2669 S2\" id=\"tu_142\">Currency </span><span class=\"S2F43 S2669 S2\" id=\"tv_142\">HUF </span><span class=\"S2F44 S2669 S2\" id=\"tw_142\">Currency </span><span class=\"S2F45 S2669 S2\" id=\"tx_142\">Fair value adjustment of derivative </span><span class=\"S2F46 S2669 S2\" id=\"ty_142\">financial instruments </span><span class=\"S2C3E S2669 S2\" id=\"tz_142\">941,607 </span><span class=\"S323D S2669 S2\" id=\"t10_142\">1,905,033 </span><span class=\"S323E S2669 S2\" id=\"t11_142\">220,057 </span><span class=\"S2F4A S2669 S2\" id=\"t12_142\">1,084,185 </span><span class=\"S2C42 S2669 S2\" id=\"t13_142\">709,948 </span><span class=\"S2F4B S2669 S2\" id=\"t14_142\">870,647 </span><span class=\"S2C44 S2669 S2\" id=\"t15_142\">12,943 </span><span class=\"S2F4C S2669 S2\" id=\"t16_142\">54,920 </span><span class=\"S323F S2669 S2\" id=\"t17_142\">96,381 </span><span class=\"S3240 S2669 S2\" id=\"t18_142\">77,044 </span><span class=\"S2F4E S2669 S2\" id=\"t19_142\">453,672 </span><span class=\"S2F4F S2669 S2\" id=\"t1a_142\">388,146 </span><span class=\"S2F50 S2669 S2\" id=\"t1b_142\">2,434,608 </span><span class=\"S2F51 S2669 S2\" id=\"t1c_142\">4,379,975 </span><span class=\"S2C4C S2669 S2\" id=\"t1d_142\">6,814,583 </span><span class=\"S2C4D S266A S2\" id=\"t1e_142\">fixed rate </span><span class=\"S2C4E S266A S2\" id=\"t1f_142\">721,374 </span><span class=\"S3241 S266A S2\" id=\"t1g_142\">1,714,718 </span><span class=\"S3242 S266A S2\" id=\"t1h_142\">151,795 </span><span class=\"S2F55 S266A S2\" id=\"t1i_142\">579,964 </span><span class=\"S2C52 S266A S2\" id=\"t1j_142\">526,007 </span><span class=\"S2F56 S266A S2\" id=\"t1k_142\">868,848 </span><span class=\"S2C54 S266A S2\" id=\"t1l_142\">12,398 </span><span class=\"S2F57 S266A S2\" id=\"t1m_142\">54,847 </span><span class=\"S3243 S266A S2\" id=\"t1n_142\">96,558 </span><span class=\"S3244 S266A S2\" id=\"t1o_142\">77,044 </span><span class=\"S2F59 S266A S2\" id=\"t1p_142\">- </span><span class=\"S2F5A S266A S2\" id=\"t1q_142\">- </span><span class=\"S2F5B S266A S2\" id=\"t1r_142\">1,508,132 </span><span class=\"S2F5C S266A S2\" id=\"t1s_142\">3,295,421 </span><span class=\"S2AEF S2669 S2\" id=\"t1t_142\">4,803,553 </span><span class=\"S2C5C S266A S2\" id=\"t1u_142\">variable rate </span><span class=\"S3245 S266A S2\" id=\"t1v_142\">220,233 </span><span class=\"S3246 S266A S2\" id=\"t1w_142\">190,315 </span><span class=\"S311F S266A S2\" id=\"t1x_142\">68,262 </span><span class=\"S2F60 S266A S2\" id=\"t1y_142\">504,221 </span><span class=\"S2F61 S266A S2\" id=\"t1z_142\">183,941 </span><span class=\"S3247 S266A S2\" id=\"t20_142\">1,799 </span><span class=\"S3248 S266A S2\" id=\"t21_142\">545 </span><span class=\"S3249 S266A S2\" id=\"t22_142\">73 </span><span class=\"S324A S266A S2\" id=\"t23_142\">(177) </span><span class=\"S2C66 S266A S2\" id=\"t24_142\">- </span><span class=\"S2F65 S266A S2\" id=\"t25_142\">- </span><span class=\"S2F66 S266A S2\" id=\"t26_142\">- </span><span class=\"S2F67 S266A S2\" id=\"t27_142\">472,804 </span><span class=\"S324B S266A S2\" id=\"t28_142\">696,408 </span><span class=\"S2AFF S2669 S2\" id=\"t29_142\">1,169,212 </span><span class=\"S2C6C S266A S2\" id=\"t2a_142\">non-interest-bearing </span><span class=\"S2C6D S266A S2\" id=\"t2b_142\">- </span><span class=\"S3125 S266A S2\" id=\"t2c_142\">- </span><span class=\"S2C6F S266A S2\" id=\"t2d_142\">- </span><span class=\"S3126 S266A S2\" id=\"t2e_142\">- </span><span class=\"S2C71 S266A S2\" id=\"t2f_142\">- </span><span class=\"S324C S266A S2\" id=\"t2g_142\">- </span><span class=\"S2C73 S266A S2\" id=\"t2h_142\">- </span><span class=\"S324D S266A S2\" id=\"t2i_142\">- </span><span class=\"S2C75 S266A S2\" id=\"t2j_142\">- </span><span class=\"S2C76 S266A S2\" id=\"t2k_142\">- </span><span class=\"S2F6A S266A S2\" id=\"t2l_142\">453,672 </span><span class=\"S2F6B S266A S2\" id=\"t2m_142\">388,146 </span><span class=\"S2F6C S266A S2\" id=\"t2n_142\">453,672 </span><span class=\"S324E S266A S2\" id=\"t2o_142\">388,146 </span><span class=\"S2B0F S2669 S2\" id=\"t2p_142\">841,818 </span><span class=\"S2F6E S2669 S2\" id=\"t2q_142\">Leasing liabilities </span><span class=\"S324F S2669 S2\" id=\"t2r_142\">916 </span><span class=\"S3250 S2669 S2\" id=\"t2s_142\">7,401 </span><span class=\"S3251 S2669 S2\" id=\"t2t_142\">353 </span><span class=\"S2F72 S2669 S2\" id=\"t2u_142\">1,076 </span><span class=\"S3252 S2669 S2\" id=\"t2v_142\">483 </span><span class=\"S2F74 S2669 S2\" id=\"t2w_142\">5,359 </span><span class=\"S3253 S2669 S2\" id=\"t2x_142\">892 </span><span class=\"S2F76 S2669 S2\" id=\"t2y_142\">4,534 </span><span class=\"S2F77 S2669 S2\" id=\"t2z_142\">1,011 </span><span class=\"S2F78 S2669 S2\" id=\"t30_142\">24,823 </span><span class=\"S2F79 S2669 S2\" id=\"t31_142\">- </span><span class=\"S2F7A S2669 S2\" id=\"t32_142\">6,438 </span><span class=\"S2F7B S2669 S2\" id=\"t33_142\">3,655 </span><span class=\"S2F7C S2669 S2\" id=\"t34_142\">49,631 </span><span class=\"S2F7D S2669 S2\" id=\"t35_142\">53,286 </span><span class=\"S2C8B S266A S2\" id=\"t36_142\">fixed rate </span><span class=\"S3254 S266A S2\" id=\"t37_142\">830 </span><span class=\"S3255 S266A S2\" id=\"t38_142\">6,948 </span><span class=\"S3256 S266A S2\" id=\"t39_142\">72 </span><span class=\"S2F81 S266A S2\" id=\"t3a_142\">435 </span><span class=\"S3257 S266A S2\" id=\"t3b_142\">7 </span><span class=\"S2F83 S266A S2\" id=\"t3c_142\">1,757 </span><span class=\"S3258 S266A S2\" id=\"t3d_142\">319 </span><span class=\"S2F85 S266A S2\" id=\"t3e_142\">2,582 </span><span class=\"S2F86 S266A S2\" id=\"t3f_142\">1,011 </span><span class=\"S2F87 S266A S2\" id=\"t3g_142\">17,403 </span><span class=\"S2F88 S266A S2\" id=\"t3h_142\">- </span><span class=\"S2F89 S266A S2\" id=\"t3i_142\">- </span><span class=\"S2F8A S266A S2\" id=\"t3j_142\">2,239 </span><span class=\"S2F8B S266A S2\" id=\"t3k_142\">29,125 </span><span class=\"S2F8C S2669 S2\" id=\"t3l_142\">31,364 </span><span class=\"S2C9A S266A S2\" id=\"t3m_142\">variable rate </span><span class=\"S3259 S266A S2\" id=\"t3n_142\">86 </span><span class=\"S325A S266A S2\" id=\"t3o_142\">453 </span><span class=\"S325B S266A S2\" id=\"t3p_142\">281 </span><span class=\"S2F90 S266A S2\" id=\"t3q_142\">641 </span><span class=\"S325C S266A S2\" id=\"t3r_142\">476 </span><span class=\"S2F91 S266A S2\" id=\"t3s_142\">3,602 </span><span class=\"S325D S266A S2\" id=\"t3t_142\">573 </span><span class=\"S2F92 S266A S2\" id=\"t3u_142\">1,952 </span><span class=\"S2CA3 S266A S2\" id=\"t3v_142\">- </span><span class=\"S2CA4 S266A S2\" id=\"t3w_142\">7,420 </span><span class=\"S2F94 S266A S2\" id=\"t3x_142\">- </span><span class=\"S2F95 S266A S2\" id=\"t3y_142\">- </span><span class=\"S325E S266A S2\" id=\"t3z_142\">1,416 </span><span class=\"S2F97 S266A S2\" id=\"t40_142\">14,068 </span><span class=\"S2CA9 S2669 S2\" id=\"t41_142\">15,484 </span><span class=\"S2CAA S266A S2\" id=\"t42_142\">non-interest-bearing </span><span class=\"S2CAB S266A S2\" id=\"t43_142\">- </span><span class=\"S3137 S266A S2\" id=\"t44_142\">- </span><span class=\"S2CAD S266A S2\" id=\"t45_142\">- </span><span class=\"S3138 S266A S2\" id=\"t46_142\">- </span><span class=\"S2CAF S266A S2\" id=\"t47_142\">- </span><span class=\"S325F S266A S2\" id=\"t48_142\">- </span><span class=\"S2CB1 S266A S2\" id=\"t49_142\">- </span><span class=\"S3260 S266A S2\" id=\"t4a_142\">- </span><span class=\"S2CB3 S266A S2\" id=\"t4b_142\">- </span><span class=\"S2CB4 S266A S2\" id=\"t4c_142\">- </span><span class=\"S2F99 S266A S2\" id=\"t4d_142\">- </span><span class=\"S2F9A S266A S2\" id=\"t4e_142\">6,438 </span><span class=\"S3261 S266A S2\" id=\"t4f_142\">- </span><span class=\"S2F9C S266A S2\" id=\"t4g_142\">6,438 </span><span class=\"S2F9D S2669 S2\" id=\"t4h_142\">6,438 </span><span class=\"S2F9E S2669 S2\" id=\"t4i_142\">Other financial liabilities </span><span class=\"S3262 S2669 S2\" id=\"t4j_142\">117,189 </span><span class=\"S3263 S2669 S2\" id=\"t4k_142\">50,063 </span><span class=\"S3264 S2669 S2\" id=\"t4l_142\">2,518 </span><span class=\"S3265 S2669 S2\" id=\"t4m_142\">672 </span><span class=\"S3266 S2669 S2\" id=\"t4n_142\">- </span><span class=\"S3267 S2669 S2\" id=\"t4o_142\">479 </span><span class=\"S2FA5 S2669 S2\" id=\"t4p_142\">- </span><span class=\"S3268 S2669 S2\" id=\"t4q_142\">133 </span><span class=\"S2FA7 S2669 S2\" id=\"t4r_142\">- </span><span class=\"S3269 S2669 S2\" id=\"t4s_142\">103 </span><span class=\"S2FA9 S2669 S2\" id=\"t4t_142\">173,503 </span><span class=\"S2FAA S2669 S2\" id=\"t4u_142\">141,111 </span><span class=\"S2FAB S2669 S2\" id=\"t4v_142\">293,210 </span><span class=\"S326A S2669 S2\" id=\"t4w_142\">192,561 </span><span class=\"S2B5E S2669 S2\" id=\"t4x_142\">485,771 </span><span class=\"S2FAD S266A S2\" id=\"t4y_142\">fixed rate </span><span class=\"S2CBC S266A S2\" id=\"t4z_142\">117,185 </span><span class=\"S326B S266A S2\" id=\"t50_142\">50,046 </span><span class=\"S326C S266A S2\" id=\"t51_142\">907 </span><span class=\"S326D S266A S2\" id=\"t52_142\">564 </span><span class=\"S326E S266A S2\" id=\"t53_142\">- </span><span class=\"S326F S266A S2\" id=\"t54_142\">211 </span><span class=\"S2FB4 S266A S2\" id=\"t55_142\">- </span><span class=\"S3270 S266A S2\" id=\"t56_142\">133 </span><span class=\"S2FB6 S266A S2\" id=\"t57_142\">- </span><span class=\"S3271 S266A S2\" id=\"t58_142\">67 </span><span class=\"S2FB8 S266A S2\" id=\"t59_142\">- </span><span class=\"S2FB9 S266A S2\" id=\"t5a_142\">- </span><span class=\"S3272 S266A S2\" id=\"t5b_142\">118,092 </span><span class=\"S2FBB S266A S2\" id=\"t5c_142\">51,021 </span><span class=\"S2FBC S2669 S2\" id=\"t5d_142\">169,113 </span><span class=\"S2FBD S266A S2\" id=\"t5e_142\">variable rate </span><span class=\"S3273 S266A S2\" id=\"t5f_142\">4 </span><span class=\"S3274 S266A S2\" id=\"t5g_142\">17 </span><span class=\"S3275 S266A S2\" id=\"t5h_142\">1,611 </span><span class=\"S3276 S266A S2\" id=\"t5i_142\">108 </span><span class=\"S3277 S266A S2\" id=\"t5j_142\">- </span><span class=\"S3278 S266A S2\" id=\"t5k_142\">268 </span><span class=\"S2FC4 S266A S2\" id=\"t5l_142\">- </span><span class=\"S3279 S266A S2\" id=\"t5m_142\">- </span><span class=\"S2FC6 S266A S2\" id=\"t5n_142\">- </span><span class=\"S2FC7 S266A S2\" id=\"t5o_142\">36 </span><span class=\"S2FC8 S266A S2\" id=\"t5p_142\">- </span><span class=\"S2FC9 S266A S2\" id=\"t5q_142\">- </span><span class=\"S327A S266A S2\" id=\"t5r_142\">1,615 </span><span class=\"S327B S266A S2\" id=\"t5s_142\">429 </span><span class=\"S2FCC S2669 S2\" id=\"t5t_142\">2,044 </span><span class=\"S2FCD S266A S2\" id=\"t5u_142\">non-interest-bearing </span><span class=\"S327C S266A S2\" id=\"t5v_142\">- </span><span class=\"S327D S266A S2\" id=\"t5w_142\">- </span><span class=\"S2FD0 S266A S2\" id=\"t5x_142\">- </span><span class=\"S327E S266A S2\" id=\"t5y_142\">- </span><span class=\"S2FD2 S266A S2\" id=\"t5z_142\">- </span><span class=\"S327F S266A S2\" id=\"t60_142\">- </span><span class=\"S2FD4 S266A S2\" id=\"t61_142\">- </span><span class=\"S3280 S266A S2\" id=\"t62_142\">- </span><span class=\"S2FD6 S266A S2\" id=\"t63_142\">- </span><span class=\"S2FD7 S266A S2\" id=\"t64_142\">- </span><span class=\"S2FD8 S266A S2\" id=\"t65_142\">173,503 </span><span class=\"S2FD9 S266A S2\" id=\"t66_142\">141,111 </span><span class=\"S2FDA S266A S2\" id=\"t67_142\">173,503 </span><span class=\"S3281 S266A S2\" id=\"t68_142\">141,111 </span><span class=\"S2FDC S2669 S2\" id=\"t69_142\">314,614 </span><span class=\"S2FDD S2669 S2\" id=\"t6a_142\">Subordinated bonds and loans </span><span class=\"S2CE9 S2669 S2\" id=\"t6b_142\">- </span><span class=\"S314A S2669 S2\" id=\"t6c_142\">- </span><span class=\"S2CEB S2669 S2\" id=\"t6d_142\">- </span><span class=\"S2FDF S2669 S2\" id=\"t6e_142\">85,551 </span><span class=\"S2CED S2669 S2\" id=\"t6f_142\">- </span><span class=\"S2FE0 S2669 S2\" id=\"t6g_142\">186,225 </span><span class=\"S2CEF S2669 S2\" id=\"t6h_142\">- </span><span class=\"S3282 S2669 S2\" id=\"t6i_142\">- </span><span class=\"S2CF1 S2669 S2\" id=\"t6j_142\">- </span><span class=\"S2FE1 S2669 S2\" id=\"t6k_142\">6,514 </span><span class=\"S2FE2 S2669 S2\" id=\"t6l_142\">- </span><span class=\"S3283 S2669 S2\" id=\"t6m_142\">44 </span><span class=\"S3284 S2669 S2\" id=\"t6n_142\">- </span><span class=\"S3285 S2669 S2\" id=\"t6o_142\">278,334 </span><span class=\"S2CF7 S2669 S2\" id=\"t6p_142\">278,334 </span><span class=\"S2FE6 S266A S2\" id=\"t6q_142\">fixed rate </span><span class=\"S3286 S266A S2\" id=\"t6r_142\">- </span><span class=\"S3287 S266A S2\" id=\"t6s_142\">- </span><span class=\"S2FE9 S266A S2\" id=\"t6t_142\">- </span><span class=\"S3288 S266A S2\" id=\"t6u_142\">- </span><span class=\"S2FEB S266A S2\" id=\"t6v_142\">- </span><span class=\"S3289 S266A S2\" id=\"t6w_142\">- </span><span class=\"S2FED S266A S2\" id=\"t6x_142\">- </span><span class=\"S328A S266A S2\" id=\"t6y_142\">- </span><span class=\"S2FEF S266A S2\" id=\"t6z_142\">- </span><span class=\"S2FF0 S266A S2\" id=\"t70_142\">6,514 </span><span class=\"S2FF1 S266A S2\" id=\"t71_142\">- </span><span class=\"S2FF2 S266A S2\" id=\"t72_142\">- </span><span class=\"S328B S266A S2\" id=\"t73_142\">- </span><span class=\"S2FF4 S266A S2\" id=\"t74_142\">6,514 </span><span class=\"S2FF5 S2669 S2\" id=\"t75_142\">6,514 </span><span class=\"S2FF6 S266A S2\" id=\"t76_142\">variable rate </span><span class=\"S328C S266A S2\" id=\"t77_142\">- </span><span class=\"S328D S266A S2\" id=\"t78_142\">- </span><span class=\"S2FF9 S266A S2\" id=\"t79_142\">- </span><span class=\"S2FFA S266A S2\" id=\"t7a_142\">85,551 </span><span class=\"S2FFB S266A S2\" id=\"t7b_142\">- </span><span class=\"S2FFC S266A S2\" id=\"t7c_142\">186,225 </span><span class=\"S2FFD S266A S2\" id=\"t7d_142\">- </span><span class=\"S328E S266A S2\" id=\"t7e_142\">- </span><span class=\"S2FFF S266A S2\" id=\"t7f_142\">- </span><span class=\"S3000 S266A S2\" id=\"t7g_142\">- </span><span class=\"S3001 S266A S2\" id=\"t7h_142\">- </span><span class=\"S3002 S266A S2\" id=\"t7i_142\">- </span><span class=\"S328F S266A S2\" id=\"t7j_142\">- </span><span class=\"S3290 S266A S2\" id=\"t7k_142\">271,776 </span><span class=\"S2BAF S2669 S2\" id=\"t7l_142\">271,776 </span><span class=\"S3005 S266A S2\" id=\"t7m_142\">non-interest-bearing </span><span class=\"S3291 S266A S2\" id=\"t7n_142\">- </span><span class=\"S3292 S266A S2\" id=\"t7o_142\">- </span><span class=\"S3008 S266A S2\" id=\"t7p_142\">- </span><span class=\"S3293 S266A S2\" id=\"t7q_142\">- </span><span class=\"S300A S266A S2\" id=\"t7r_142\">- </span><span class=\"S3294 S266A S2\" id=\"t7s_142\">- </span><span class=\"S300C S266A S2\" id=\"t7t_142\">- </span><span class=\"S3295 S266A S2\" id=\"t7u_142\">- </span><span class=\"S300E S266A S2\" id=\"t7v_142\">- </span><span class=\"S300F S266A S2\" id=\"t7w_142\">- </span><span class=\"S3010 S266A S2\" id=\"t7x_142\">- </span><span class=\"S3296 S266A S2\" id=\"t7y_142\">44 </span><span class=\"S3297 S266A S2\" id=\"t7z_142\">- </span><span class=\"S3298 S266A S2\" id=\"t80_142\">44 </span><span class=\"S3299 S2669 S2\" id=\"t81_142\">44 </span><span class=\"S329A S2669 S2\" id=\"t82_142\">Net position </span><span class=\"S329B S2669 S2\" id=\"t83_142\">(5,587,533) </span><span class=\"S329C S2669 S2\" id=\"t84_142\">(4,253,012) </span><span class=\"S329D S2669 S2\" id=\"t85_142\">578,409 </span><span class=\"S329E S2669 S2\" id=\"t86_142\">1,195,694 </span><span class=\"S301A S2669 S2\" id=\"t87_142\">313,809 </span><span class=\"S301B S2669 S2\" id=\"t88_142\">890,767 </span><span class=\"S329F S2669 S2\" id=\"t89_142\">278,494 </span><span class=\"S301D S2669 S2\" id=\"t8a_142\">669,788 </span><span class=\"S32A0 S2669 S2\" id=\"t8b_142\">4,861,168 </span><span class=\"S301F S2669 S2\" id=\"t8c_142\">2,556,377 </span><span class=\"S3020 S2669 S2\" id=\"t8d_142\">(161,996) </span><span class=\"S32A1 S2669 S2\" id=\"t8e_142\">991,937 </span><span class=\"S32A2 S2669 S2\" id=\"t8f_142\">282,351 </span><span class=\"S3023 S2669 S2\" id=\"t8g_142\">2,051,551 </span><span class=\"S3024 S2669 S2\" id=\"t8h_142\">2,333,902 </span><span class=\"SA50 SB S2\" id=\"t5_143\">37.5. Market risk </span><span class=\"S18C1 SA7 S2\" id=\"t6_143\">The Group takes on exposure to market risks. Market risks arise from open positions in interest rate, currency and </span><span class=\"S32A3 SA7 S2\" id=\"t7_143\">equity products, all of which </span><span class=\"S32A4 S5B9 S2\" id=\"t8_143\">are exposed to general and specific market movements. The Group applies a \u2018Value</span><span class=\"S32A5 SA7 S2\" id=\"t9_143\">- </span><span class=\"S32A6 SA7 S2\" id=\"ta_143\">at-</span><span class=\"S32A7 S5B9 S2\" id=\"tb_143\">Risk\u2019 (VaR) methodology to estimate the market risk of positions held and the maximum losses expected, based </span><span class=\"S32A8 SA7 S2\" id=\"tc_143\">upon a number of assumptions for various changes in market conditions. The Management Board sets limits on </span><span class=\"S96F SA7 S2\" id=\"td_143\">the value of risk that may be accepted, which is monitored on a daily basis. (Analysis of liquidity risk, foreign </span><span class=\"S32A9 SA7 S2\" id=\"te_143\">currency risk and interest rate risk is detailed in Notes 37.2., 37.3. and 37.4., respectively.) </span><span class=\"S28FA SB S2\" id=\"tf_143\">37.5.1. </span><span class=\"S32AA SB S2\" id=\"tg_143\">Market Risk sensitivity analysis </span><span class=\"S32AB SA7 S2\" id=\"th_143\">The VaR risk measure estimates the potential loss in pre-tax profit over a given holding period for a specified </span><span class=\"S819 SA7 S2\" id=\"ti_143\">confidence level. </span><span class=\"S32AC SA7 S2\" id=\"tj_143\">The VaR methodology is a statistically defined, probability-based approach that takes into account market </span><span class=\"S32AD SA7 S2\" id=\"tk_143\">volatilities as well as risk diversification by recognizing offsetting positions and correlations between products and </span><span class=\"S32AE SA7 S2\" id=\"tl_143\">markets. Risks can be measured consistently across all markets and products, and risk measures can be aggregated </span><span class=\"S32AF SA7 S2\" id=\"tm_143\">to arrive at a single risk number. The one-day 99% VaR number used by the Group reflects the 99% probability </span><span class=\"S32B0 SA7 S2\" id=\"tn_143\">that the daily loss will not exceed the reported VaR. </span><span class=\"S32B1 SA7 S2\" id=\"to_143\">VaR methodologies are employed to calculate daily risk numbers include the historical and variance-covariance </span><span class=\"S32B2 SA7 S2\" id=\"tp_143\">approach. The diversification effect has not been validated among the various market risk types when capital </span><span class=\"SA31 SA7 S2\" id=\"tq_143\">calculation happens. </span><span class=\"S32B3 SA7 S2\" id=\"tr_143\">In addition to these two methodologies, Monte Carlo simulations are applied to the various portfolios on a monthly </span><span class=\"S32B4 SA7 S2\" id=\"ts_143\">basis to determine potential future exposure. </span><span class=\"S75A SA7 S2\" id=\"tt_143\">The VaR of the trading portfolio can be summarized as follows (in HUF mn): </span><span class=\"S32B5 SB S2\" id=\"tu_143\">Historical VaR (99%, one-day) by risk type </span><span class=\"S32B6 SB S2\" id=\"tv_143\">Average VaR </span><span class=\"S32B7 SB S2\" id=\"tw_143\">2022 </span><span class=\"S32B8 SB S2\" id=\"tx_143\">2021 </span><span class=\"S32B9 SA7 S2\" id=\"ty_143\">Foreign exchange </span><span class=\"S32BA SA7 S2\" id=\"tz_143\">5,896 </span><span class=\"S32BB SA7 S2\" id=\"t10_143\">1,691 </span><span class=\"S32BC SA7 S2\" id=\"t11_143\">Interest rate </span><span class=\"S32BD SA7 S2\" id=\"t12_143\">890 </span><span class=\"S32BE SA7 S2\" id=\"t13_143\">212 </span><span class=\"S32BF SA7 S2\" id=\"t14_143\">Equity instruments </span><span class=\"S32C0 SA7 S2\" id=\"t15_143\">42 </span><span class=\"S32C1 SA7 S2\" id=\"t16_143\">20 </span><span class=\"S32C2 SA7 S2\" id=\"t17_143\">Diversification </span><span class=\"S32C3 SA7 S2\" id=\"t18_143\">- </span><span class=\"S32C4 SA7 S2\" id=\"t19_143\">- </span><span class=\"S32C5 SB S2\" id=\"t1a_143\">Total VaR exposure </span><span class=\"S32C6 SB S2\" id=\"t1b_143\">6,829 </span><span class=\"S32C7 SB S2\" id=\"t1c_143\">1,923 </span><span class=\"S32C8 SA7 S2\" id=\"t1d_143\">The table above shows the VaR figures by asset classes. Since processes driving the value of the major asset classes </span><span class=\"S32C9 SA7 S2\" id=\"t1e_143\">are not independent (for example the depreciation of HUF against the EUR mostly coincide with the increase of </span><span class=\"S32CA SA7 S2\" id=\"t1f_143\">the yields of Hungarian Government Bonds), a diversification impact emerges, so the overall VaR is less than the </span><span class=\"S32CB SA7 S2\" id=\"t1g_143\">sum of the VaR of each individual asset class. </span><span class=\"S32CC S5B9 S2\" id=\"t1h_143\">While VaR captures the Group\u2019s daily exposure to currency and interest rate risk, sensitivity analysis evaluates </span><span class=\"S32CD SA7 S2\" id=\"t1i_143\">the impact of a reasonably possible change in interest or foreign currency rates over a year. The longer time frame </span><span class=\"S32CE SA7 S2\" id=\"t1j_143\">of sensitivity analysis complements VaR and helps the Group to assess its market risk exposures. Details of </span><span class=\"S32CF SA7 S2\" id=\"t1k_143\">sensitivity analysis for foreign currency risk are set out in Note 37.5.2., for interest rate risk in Note 37.5.3., and </span><span class=\"SDB6 SA7 S2\" id=\"t1l_143\">for equity price sensitivity analysis in Note 37.5.4. </span><span class=\"SA7F SB S2\" id=\"t5_144\">37.5.  Market risk [continued] </span><span class=\"S32D0 SB S2\" id=\"t6_144\">37.5.2.  Foreign currency sensitivity analysis </span><span class=\"S32D1 SA7 S2\" id=\"t7_144\">The Bank changed its methodology of foreign currency sensitivity analysis and has been using a historical VaR </span><span class=\"S32D2 S5B9 S2\" id=\"t8_144\">calculation since 31 March 2021. The former Monte Carlo simulation represented the Group\u2019s sensitivity to the </span><span class=\"S32D3 SA7 S2\" id=\"t9_144\">rise and fall in the HUF exchange rate against EUR, over a 3-month period. The sensitivity analysis included only </span><span class=\"S32D4 SA7 S2\" id=\"ta_144\">outstanding foreign currency denominated monetary items as strategic open positions related to foreign activities. </span><span class=\"S32D5 SA7 S2\" id=\"tb_144\">In line with the Management's intention, the former EUR (310) million strategic open position was fully closed as </span><span class=\"S846 SA7 S2\" id=\"tc_144\">at 31 March 2021. </span><span class=\"S32D6 SA7 S2\" id=\"td_144\">Since the closing of the strategic open position, the Group has been using a historical VaR calculation with a 1 day </span><span class=\"S32D7 SA7 S2\" id=\"te_144\">holding period. The analysis includes the same net open foreign exchange position as used under the internal </span><span class=\"S32D8 SA7 S2\" id=\"tf_144\">capital adequacy assessment process (ICAAP). The VaR methodology is a statistically defined, probability-based </span><span class=\"S32D9 SA7 S2\" id=\"tg_144\">approach that takes into account market volatilities as well as risk diversification by recognizing offsetting </span><span class=\"S32DA SA7 S2\" id=\"th_144\">positions and correlations between products and markets. </span><span class=\"S9DA SA7 S2\" id=\"ti_144\">Additionally, the Bank determines the foreign currency risk of assets evaluated through the Other Comprehensive </span><span class=\"S1893 SA7 S2\" id=\"tj_144\">Income, which includes securities valuated on fair value through other comprehensive income and the foreign </span><span class=\"S32DB SA7 S2\" id=\"tk_144\">currency translation reserves. </span><span class=\"S32DC SA7 S2\" id=\"tl_144\">The following table shows the result of the foreign currency sensitivity analysis. </span><span class=\"S1E56 SA7 S2\" id=\"tm_144\">The numbers below indicate the expected daily profit or loss of the portfolio beside the given confidence level. </span><span class=\"S32DD SB S2\" id=\"tn_144\">Probability </span><span class=\"S32DE SB S2\" id=\"to_144\">Effects to the Consolidated </span><span class=\"S32DF SB S2\" id=\"tp_144\">Statement of Profit or Loss </span><span class=\"S32E0 SB S2\" id=\"tq_144\">Effects to the Consolidated </span><span class=\"S32E1 SB S2\" id=\"tr_144\">Statement of Other </span><span class=\"S32E2 SB S2\" id=\"ts_144\">Comprehensive Income </span><span class=\"S32E3 SB S2\" id=\"tt_144\">In HUF million </span><span class=\"S32E4 SB S2\" id=\"tu_144\">In HUF million </span><span class=\"S32E5 SB S2\" id=\"tv_144\">2022 </span><span class=\"S32E6 SB S2\" id=\"tw_144\">2021 </span><span class=\"S32E7 SB S2\" id=\"tx_144\">2022 </span><span class=\"S32E8 SB S2\" id=\"ty_144\">2021 </span><span class=\"S32E9 SA7 S2\" id=\"tz_144\">1% </span><span class=\"S32EA SA7 S2\" id=\"t10_144\">(4,746) </span><span class=\"S32EB SA7 S2\" id=\"t11_144\">(194) </span><span class=\"S32EC SA7 S2\" id=\"t12_144\">(5,604) </span><span class=\"S32ED SA7 S2\" id=\"t13_144\">(1,707) </span><span class=\"S32EE SA7 S2\" id=\"t14_144\">5% </span><span class=\"S32EF SA7 S2\" id=\"t15_144\">(2,542) </span><span class=\"S32F0 SA7 S2\" id=\"t16_144\">(132) </span><span class=\"S32F1 SA7 S2\" id=\"t17_144\">(2,992) </span><span class=\"S32F2 SA7 S2\" id=\"t18_144\">(1,038) </span><span class=\"S32F3 SA7 S2\" id=\"t19_144\">25% </span><span class=\"S32F4 SA7 S2\" id=\"t1a_144\">(843) </span><span class=\"S32F5 SA7 S2\" id=\"t1b_144\">(50) </span><span class=\"S32F6 SA7 S2\" id=\"t1c_144\">(1,190) </span><span class=\"S32F7 SA7 S2\" id=\"t1d_144\">(398) </span><span class=\"S32F8 SA7 S2\" id=\"t1e_144\">50% </span><span class=\"S32F9 SA7 S2\" id=\"t1f_144\">(15) </span><span class=\"S32FA SA7 S2\" id=\"t1g_144\">(1) </span><span class=\"S32FB SA7 S2\" id=\"t1h_144\">(235) </span><span class=\"S32FC SA7 S2\" id=\"t1i_144\">98 </span><span class=\"S32FD SA7 S2\" id=\"t1j_144\">25% </span><span class=\"S32FE SA7 S2\" id=\"t1k_144\">990 </span><span class=\"S32FF SA7 S2\" id=\"t1l_144\">53 </span><span class=\"S3300 SA7 S2\" id=\"t1m_144\">834 </span><span class=\"S3301 SA7 S2\" id=\"t1n_144\">531 </span><span class=\"S3302 SA7 S2\" id=\"t1o_144\">5% </span><span class=\"S3303 SA7 S2\" id=\"t1p_144\">2,837 </span><span class=\"S3304 SA7 S2\" id=\"t1q_144\">142 </span><span class=\"S3305 SA7 S2\" id=\"t1r_144\">2,415 </span><span class=\"S3306 SA7 S2\" id=\"t1s_144\">1,215 </span><span class=\"S3307 SA7 S2\" id=\"t1t_144\">1% </span><span class=\"S3308 SA7 S2\" id=\"t1u_144\">4,245 </span><span class=\"S3309 SA7 S2\" id=\"t1v_144\">221 </span><span class=\"S330A SA7 S2\" id=\"t1w_144\">4,767 </span><span class=\"S330B SA7 S2\" id=\"t1x_144\">1,509 </span><span class=\"S330C SA7 S2\" id=\"t1y_144\">Note: </span><span class=\"S330D SA7 S2\" id=\"t1z_144\">(1) Historical VaR simulation is based on the empirical distribution of the historical exchange rate movements </span><span class=\"S330E SA7 S2\" id=\"t20_144\">between 31 December 2021 and 2022. </span><span class=\"SA7F SB S2\" id=\"t5_145\">37.5.  Market risk [continued] </span><span class=\"S330F SB S2\" id=\"t6_145\">37.5.3.  Interest rate sensitivity analysis </span><span class=\"S3310 SA7 S2\" id=\"t7_145\">The sensitivity analyses below have been determined based on the exposure to interest rates for both derivatives </span><span class=\"S3311 SA7 S2\" id=\"t8_145\">and non-derivative instruments at the balance sheet date. The analysis is prepared assuming the amount of assets </span><span class=\"S3312 SA7 S2\" id=\"t9_145\">and liabilities outstanding at the balance sheet date was outstanding for the whole year. The analysis was prepared </span><span class=\"S10F0 SA7 S2\" id=\"ta_145\">by assuming only adverse interest rate changes. The main assumptions were as follows: </span><span class=\"S3313 S602 S2\" id=\"tb_145\">\u2022 </span><span class=\"S3314 SA7 S2\" id=\"tc_145\">Floating rate assets and liabilities were repriced to the modelled benchmark yields at the repricing dates </span><span class=\"S3315 SA7 S2\" id=\"td_145\">assuming the unchanged margin compared to the last repricing. </span><span class=\"S3316 S602 S2\" id=\"te_145\">\u2022 </span><span class=\"S3317 SA7 S2\" id=\"tf_145\">Fixed rate assets and liabilities were repriced at the contractual maturity date. </span><span class=\"S3318 S602 S2\" id=\"tg_145\">\u2022 </span><span class=\"S3319 SA7 S2\" id=\"th_145\">As for liabilities with discretionary repricing feature by the Bank were assumed to be repriced with two- </span><span class=\"S331A SA7 S2\" id=\"ti_145\">weeks delay, assuming no change in the margin compared to the last repricing date. </span><span class=\"S331B S602 S2\" id=\"tj_145\">\u2022 </span><span class=\"S331C SA7 S2\" id=\"tk_145\">Deposits with an interest rate lower than 0.3% even at high market rates were assumed to be unchanged </span><span class=\"S331D SA7 S2\" id=\"tl_145\">for the whole period. </span><span class=\"S331E SA7 S2\" id=\"tm_145\">The sensitivity of interest income to changes in BUBOR was analysed by assuming two interest rate path scenarios: </span><span class=\"S331F SA7 S2\" id=\"tn_145\">(1) BUBOR increases gradually by 100 bps over the next year (probable scenario) </span><span class=\"S3320 SA7 S2\" id=\"to_145\">(2) BUBOR decreases gradually by 50 bps over the next year (alternative scenario) </span><span class=\"S3321 SA7 S2\" id=\"tp_145\">The net interest income in a one-year period after 1 January 2023 would be decreased by HUF (9,002) million </span><span class=\"S3322 SA7 S2\" id=\"tq_145\">(probable scenario) and increased by HUF 4,306 million (alternative scenario) as a result of these simulation. A </span><span class=\"S3323 SA7 S2\" id=\"tr_145\">similar simulation indicated HUF 1,487 million increase (probable scenario) and HUF (1,025) million (alternative </span><span class=\"S3324 SA7 S2\" id=\"ts_145\">scenario) decrease in the Net interest income in a one-year period after 1 January 2022. </span><span class=\"S3325 SA7 S2\" id=\"tt_145\">This effect is further enhanced by capital results HUF (350) million (for probable scenario) and HUF 181 million </span><span class=\"S3326 SA7 S2\" id=\"tu_145\">(for alternative scenario) as at 31 December 2022, the comparative results were (HUF (619) million for probable </span><span class=\"S3327 SA7 S2\" id=\"tv_145\">scenario, HUF 322 million for alternative scenario as at 31 December 2021) on the government bond portfolio </span><span class=\"S3328 SA7 S2\" id=\"tw_145\">held for hedging (economic). </span><span class=\"S3329 SA7 S2\" id=\"tx_145\">Furthermore, the effects of an instant 10bps parallel shift of the HUF, EUR and USD yield-curves on net interest </span><span class=\"S332A SA7 S2\" id=\"ty_145\">income over a one-year period and on the market value of the hedge government bond at fair value through other </span><span class=\"S332B SA7 S2\" id=\"tz_145\">comprehensive income portfolio booked against capital was analysed. The results can be summarized as follows </span><span class=\"S332C SA7 S2\" id=\"t10_145\">(in HUF million): </span><span class=\"S332D SB S2\" id=\"t11_145\">2022 </span><span class=\"S332E SB S2\" id=\"t12_145\">2021 </span><span class=\"S332F SB S2\" id=\"t13_145\">Description </span><span class=\"S3330 SB S2\" id=\"t14_145\">Effects to the </span><span class=\"S3331 SB S2\" id=\"t15_145\">net interest </span><span class=\"S3332 SB S2\" id=\"t16_145\">income </span><span class=\"S3333 SB S2\" id=\"t17_145\">Effects to </span><span class=\"S3334 SB S2\" id=\"t18_145\">capital </span><span class=\"S3335 SB S2\" id=\"t19_145\">Effects to the </span><span class=\"S3336 SB S2\" id=\"t1a_145\">net interest </span><span class=\"S3337 SB S2\" id=\"t1b_145\">income </span><span class=\"S3338 SB S2\" id=\"t1c_145\">Effects to </span><span class=\"S3339 SB S2\" id=\"t1d_145\">capital </span><span class=\"S333A SA7 S2\" id=\"t1e_145\">HUF (0.1%) parallel shift </span><span class=\"S333B SA7 S2\" id=\"t1f_145\">1,669 </span><span class=\"S333C SA7 S2\" id=\"t1g_145\">36 </span><span class=\"S333D SA7 S2\" id=\"t1h_145\">(105) </span><span class=\"S333E SA7 S2\" id=\"t1i_145\">64 </span><span class=\"S333F SA7 S2\" id=\"t1j_145\">HUF 0.1% parallel shift </span><span class=\"S3340 SA7 S2\" id=\"t1k_145\">(1,667) </span><span class=\"S3341 SA7 S2\" id=\"t1l_145\">(36) </span><span class=\"S3342 SA7 S2\" id=\"t1m_145\">44 </span><span class=\"S3343 SA7 S2\" id=\"t1n_145\">(64) </span><span class=\"S3344 SA7 S2\" id=\"t1o_145\">EUR (0.1%) parallel shift </span><span class=\"S3345 SA7 S2\" id=\"t1p_145\">(3,661) </span><span class=\"S3346 SA7 S2\" id=\"t1q_145\">- </span><span class=\"S3347 SA7 S2\" id=\"t1r_145\">(1,989) </span><span class=\"S3348 SA7 S2\" id=\"t1s_145\">- </span><span class=\"S3349 SA7 S2\" id=\"t1t_145\">USD (0.1%) parallel shift </span><span class=\"S334A SA7 S2\" id=\"t1u_145\">119 </span><span class=\"S334B SA7 S2\" id=\"t1v_145\">- </span><span class=\"S334C SA7 S2\" id=\"t1w_145\">(257) </span><span class=\"S334D SA7 S2\" id=\"t1x_145\">- </span><span class=\"S334E SA7 S2\" id=\"t1y_145\">USD 0.1% parallel shift </span><span class=\"S334F SA7 S2\" id=\"t1z_145\">(290) </span><span class=\"S3350 SA7 S2\" id=\"t20_145\">- </span><span class=\"S3351 SA7 S2\" id=\"t21_145\">85 </span><span class=\"S3352 SA7 S2\" id=\"t22_145\">- </span><span class=\"SA7F SB S2\" id=\"t5_146\">37.5.  Market risk [continued] </span><span class=\"S3353 SB S2\" id=\"t6_146\">37.5.4.  Equity price sensitivity analysis </span><span class=\"S3354 SA7 S2\" id=\"t7_146\">The following table shows the effect of the equity price sensitivity. The Group uses VaR calculation with 1 day </span><span class=\"S3355 SA7 S2\" id=\"t8_146\">holding period and a 99% confidence level. The VaR methodology is a statistically defined, probability-based </span><span class=\"S3356 SA7 S2\" id=\"t9_146\">approach that takes into account market volatilities as well as risk diversification by recognizing offsetting </span><span class=\"S3357 SA7 S2\" id=\"ta_146\">positions and correlations between products and markets. The daily loss will not exceed the reported VaR number </span><span class=\"S8B2 SA7 S2\" id=\"tb_146\">with 99% of probability. </span><span class=\"S3358 SA7 S2\" id=\"tc_146\">The stress test assumes the largest price movement of the last year and calculates with it as the adverse direction. </span><span class=\"S3359 SA7 S2\" id=\"td_146\">These scenarios show the loss of the portfolio when all prices change with the maximum amount of the last year. </span><span class=\"S335A SB S2\" id=\"te_146\">Description </span><span class=\"S335B SB S2\" id=\"tf_146\">2022 </span><span class=\"S335C SB S2\" id=\"tg_146\">2021 </span><span class=\"S335D SA7 S2\" id=\"th_146\">VaR (99%, one day, HUF million) </span><span class=\"S335E SA7 S2\" id=\"ti_146\">15 </span><span class=\"S335F SA7 S2\" id=\"tj_146\">12 </span><span class=\"S3360 SA7 S2\" id=\"tk_146\">Stress test (HUF million) </span><span class=\"S3361 SA7 S2\" id=\"tl_146\">(26) </span><span class=\"S3362 SA7 S2\" id=\"tm_146\">(21) </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f17716": {
   "value": "<span class=\"S3363 SB S2\" id=\"t5_147\">37.6. Capital management </span><span class=\"S3364 SB S2\" id=\"t6_147\">Capital management </span><span class=\"S3365 SA7 S2\" id=\"t7_147\">The primary objective of the capital management of the Group is to ensure the prudent operation, the entire </span><span class=\"S3366 SA7 S2\" id=\"t8_147\">compliance with the prescriptions of the regulator for a persistent business operation and maximising the </span><span class=\"S3367 SA7 S2\" id=\"t9_147\">shareholder value, accompanied by an optimal financing structure. </span><span class=\"S3368 SA7 S2\" id=\"ta_147\">The capital management of the Group members includes the management and evaluation of the shareholders` </span><span class=\"S3369 SA7 S2\" id=\"tb_147\">equity and other types of funds available for hedging risks, to be recorded in the equity and all material risks to be </span><span class=\"S336A SA7 S2\" id=\"tc_147\">covered by the capital. </span><span class=\"S336B SA7 S2\" id=\"td_147\">The basis of the capital management of the Group members in the short run is the continuous monitoring of their </span><span class=\"S336C SA7 S2\" id=\"te_147\">capital position, in the long run the strategic and the business planning, which includes the monitoring and forecast </span><span class=\"S976 SA7 S2\" id=\"tf_147\">of the capital position. </span><span class=\"S336D SA7 S2\" id=\"tg_147\">The Group members maintain the capital adequacy required by the regulatory bodies and the planned risk taking </span><span class=\"S336E SA7 S2\" id=\"th_147\">mainly by means of ensuring and developing their profitability. In the event that the planned risk level of a Group </span><span class=\"S336F SA7 S2\" id=\"ti_147\">member exceeded its Core and the previously raised Supplementary capital, it ensures the prudent operation by </span><span class=\"S3370 SA7 S2\" id=\"tj_147\">occasional measures. A further tool in the capital management of the Bank is the dividend policy, and the </span><span class=\"S3371 SA7 S2\" id=\"tk_147\">transactions performed with the treasury shares. </span><span class=\"S3372 SB S2\" id=\"tl_147\">Capital adequacy </span><span class=\"S3373 SA7 S2\" id=\"tm_147\">The Capital Requirements Directive package (CRDIV/CRR) transposes the new global standards on banking </span><span class=\"S3374 SA7 S2\" id=\"tn_147\">regulation (known as the Basel III agreement) into the EU legal framework. The new rules are applied from 1 </span><span class=\"S3375 SA7 S2\" id=\"to_147\">January 2014. They set stronger prudential requirements for institutions, requiring them to keep sufficient capital </span><span class=\"S18BD SA7 S2\" id=\"tp_147\">reserves and liquidity. This new framework makes institutions in the EU more solid and strengthens their capacity </span><span class=\"SA38 SA7 S2\" id=\"tq_147\">to adequately manage the risks linked to their activities and absorb any losses they may incur in doing business. </span><span class=\"S3376 SA7 S2\" id=\"tr_147\">The capital adequacy of the Group is supervised based on the financial statements data prepared in accordance </span><span class=\"S5D9 SA7 S2\" id=\"ts_147\">with IFRS applying the current directives, rulings and indicators from 1 January 2014. </span><span class=\"S3377 SA7 S2\" id=\"tt_147\">The Group uses the standard method for determining the regulatory capital requirements of the credit risk and </span><span class=\"S3378 S5B9 S2\" id=\"tu_147\">market risk, and parallel to that, the base indicator method, and the advanced method (\u201cAMA\u201d) in case of the </span><span class=\"S3379 SA7 S2\" id=\"tv_147\">operational risk. </span><span class=\"S337A SA7 S2\" id=\"tw_147\">For international comparison purposes, the Group calculated the Regulatory capital based on IFRS data as adopted </span><span class=\"S337B SA7 S2\" id=\"tx_147\">by the EU, and the consolidated Capital adequacy ratio based on this in accordance with the regulations of Basel </span><span class=\"S337C SA7 S2\" id=\"ty_147\">III. The Capital adequacy ratio of the Group (IFRS) was 17.5%, the Regulatory capital was HUF 3,565,933 million </span><span class=\"S337D SA7 S2\" id=\"tz_147\">and the Total regulatory capital requirement was HUF 1,632,426 million as at 31 December 2022. The same ratios </span><span class=\"S337E SA7 S2\" id=\"t10_147\">calculated as at 31 December 2021 were the following: 19.1%, HUF 3,191,765 million and HUF 1,335,305 </span><span class=\"S2916 SA7 S2\" id=\"t11_147\">million. </span><span class=\"SA7F SB S2\" id=\"t5_148\">37.6.  Capital management [continued] </span><span class=\"SC44 SB S2\" id=\"t6_148\">Capital adequacy [continued] </span><span class=\"S337F SB S2\" id=\"t7_148\">Calculation on IFRS basis (in HUF million) </span><span class=\"SE8E SB S2\" id=\"t8_148\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_148\">2021 </span><span class=\"S3380 SB S2\" id=\"ta_148\">Core capital (Tier 1) = </span><span class=\"S3381 SB S2\" id=\"tb_148\">3,277,984 </span><span class=\"S3382 SB S2\" id=\"tc_148\">2,926,882 </span><span class=\"S3383 SB S2\" id=\"td_148\">Common Equity Tier 1 (CET 1) </span><span class=\"S249C SA7 S2\" id=\"te_148\">Issued capital </span><span class=\"SFFF SA7 S2\" id=\"tf_148\">28,000 </span><span class=\"S249D SA7 S2\" id=\"tg_148\">28,000 </span><span class=\"S3384 SA7 S2\" id=\"th_148\">Reserves </span><span class=\"S3385 SE8B S2\" id=\"ti_148\">1 </span><span class=\"S3386 SA7 S2\" id=\"tj_148\">3,154,801 </span><span class=\"S3387 SA7 S2\" id=\"tk_148\">2,896,118 </span><span class=\"S3388 SA7 S2\" id=\"tl_148\">Fair value adjustments </span><span class=\"S3389 SA7 S2\" id=\"tm_148\">(135,081) </span><span class=\"S338A SA7 S2\" id=\"tn_148\">(15,715) </span><span class=\"S338B SA7 S2\" id=\"to_148\">Other capital components </span><span class=\"S24A3 SA7 S2\" id=\"tp_148\">286,963 </span><span class=\"S24A4 SA7 S2\" id=\"tq_148\">104,326 </span><span class=\"S338C SA7 S2\" id=\"tr_148\">Non-controlling interests </span><span class=\"S24A6 SA7 S2\" id=\"ts_148\">2,485 </span><span class=\"S100C SA7 S2\" id=\"tt_148\">1,996 </span><span class=\"S338D SA7 S2\" id=\"tu_148\">Treasury shares </span><span class=\"S338E SA7 S2\" id=\"tv_148\">(119,138) </span><span class=\"S338F SA7 S2\" id=\"tw_148\">(121,941) </span><span class=\"S3390 SA7 S2\" id=\"tx_148\">Goodwill and other intangible assets </span><span class=\"S3391 SA7 S2\" id=\"ty_148\">(170,344) </span><span class=\"S3392 SA7 S2\" id=\"tz_148\">(183,440) </span><span class=\"S3393 SA7 S2\" id=\"t10_148\">Other adjustments </span><span class=\"S3394 SA7 S2\" id=\"t11_148\">230,298 </span><span class=\"S3395 SA7 S2\" id=\"t12_148\">217,538 </span><span class=\"S3396 SA7 S2\" id=\"t13_148\">Additional Tier 1 (AT1) </span><span class=\"S3397 SA7 S2\" id=\"t14_148\">- </span><span class=\"S3398 SA7 S2\" id=\"t15_148\">- </span><span class=\"S3399 SB S2\" id=\"t16_148\">Supplementary capital (Tier 2) </span><span class=\"S339A SB S2\" id=\"t17_148\">287,949 </span><span class=\"S339B SB S2\" id=\"t18_148\">264,883 </span><span class=\"S339C SA7 S2\" id=\"t19_148\">Subordinated bonds and loans </span><span class=\"S183B SA7 S2\" id=\"t1a_148\">287,362 </span><span class=\"S183C SA7 S2\" id=\"t1b_148\">264,397 </span><span class=\"S339D SA7 S2\" id=\"t1c_148\">Other issued capital components </span><span class=\"S339E SA7 S2\" id=\"t1d_148\">- </span><span class=\"S339F SA7 S2\" id=\"t1e_148\">- </span><span class=\"S33A0 SA7 S2\" id=\"t1f_148\">Components recognized in T2 capital </span><span class=\"S33A1 SA7 S2\" id=\"t1g_148\">issued by subsidiaries </span><span class=\"S33A2 SA7 S2\" id=\"t1h_148\">587 </span><span class=\"S33A3 SA7 S2\" id=\"t1i_148\">486 </span><span class=\"S33A4 SB S2\" id=\"t1j_148\">Regulatory capital </span><span class=\"S33A5 SB S2\" id=\"t1k_148\">3,565,933 </span><span class=\"S33A6 SB S2\" id=\"t1l_148\">3,191,765 </span><span class=\"S33A7 SA7 S2\" id=\"t1m_148\">Credit risk capital requirement </span><span class=\"S33A8 SA7 S2\" id=\"t1n_148\">1,478,168 </span><span class=\"S33A9 SA7 S2\" id=\"t1o_148\">1,199,423 </span><span class=\"S33AA SA7 S2\" id=\"t1p_148\">Market risk capital requirement </span><span class=\"S33AB SA7 S2\" id=\"t1q_148\">29,322 </span><span class=\"S33AC SA7 S2\" id=\"t1r_148\">13,440 </span><span class=\"S33AD SA7 S2\" id=\"t1s_148\">Operational risk capital requirement </span><span class=\"S33AE SA7 S2\" id=\"t1t_148\">124,936 </span><span class=\"S33AF SA7 S2\" id=\"t1u_148\">122,442 </span><span class=\"S33B0 SB S2\" id=\"t1v_148\">Total requirement regulatory capital </span><span class=\"S33B1 SB S2\" id=\"t1w_148\">1,632,426 </span><span class=\"S33B2 SB S2\" id=\"t1x_148\">1,335,305 </span><span class=\"S33B3 SB S2\" id=\"t1y_148\">Surplus capital </span><span class=\"S33B4 SB S2\" id=\"t1z_148\">1,933,507 </span><span class=\"S33B5 SB S2\" id=\"t20_148\">1,856,460 </span><span class=\"S33B6 SA7 S2\" id=\"t21_148\">CET 1 ratio </span><span class=\"S33B7 SA7 S2\" id=\"t22_148\">16.10% </span><span class=\"S33B8 SA7 S2\" id=\"t23_148\">17.50% </span><span class=\"S33B9 SA7 S2\" id=\"t24_148\">Tier 1 ratio </span><span class=\"S33BA SA7 S2\" id=\"t25_148\">16.10% </span><span class=\"S33BB SA7 S2\" id=\"t26_148\">17.50% </span><span class=\"S33BC SB S2\" id=\"t27_148\">Capital adequacy ratio </span><span class=\"S33BD SB S2\" id=\"t28_148\">17.50% </span><span class=\"S33BE SB S2\" id=\"t29_148\">19.10% </span><span class=\"S33BF S482 S2\" id=\"t2a_148\">1 </span><span class=\"S33C0 S483 S2\" id=\"t2b_148\">The dividend amount planned to pay out / paid out is deducted from reserves. </span><span class=\"S33C1 SB S2\" id=\"t2c_148\">Basel III </span><span class=\"S33C2 SA7 S2\" id=\"t2d_148\">The components of the Common Equity Tier 1 capital (CET 1) are the following: Issued capital, Reserves </span><span class=\"S33C3 SA7 S2\" id=\"t2e_148\">(Retained earnings, Other reserves, Changes in the equity of subsidiaries, Net Profit for the year, Changes due to </span><span class=\"S33C4 SA7 S2\" id=\"t2f_148\">consolidation) Fair value adjustments, Other capital components, (Revaluation reserves, Share based payments, </span><span class=\"S33C5 SA7 S2\" id=\"t2g_148\">Cash-flow hedges, Net investment hedge in foreign operations), Non-controlling interest, Treasury shares, </span><span class=\"S33C6 SA7 S2\" id=\"t2h_148\">Goodwill and other Intangible assets, other adjustments (due to prudential filters, due to deferred tax receivables, </span><span class=\"S33C7 SA7 S2\" id=\"t2i_148\">due to temporary regulations). </span><span class=\"S33C8 SA7 S2\" id=\"t2j_148\">Supplementary capital (Tier 2): Subordinated loan capital, Supplementary loan capital, Other issued capital </span><span class=\"S33C9 SA7 S2\" id=\"t2k_148\">components, Components recognized in T2 capital issued by subsidiaries. </span><span class=\"S33CA SA7 S2\" id=\"t2l_148\">For regulatory compliance the capital adequacy ratios according to regulatory scope of consolidation are relevant. </span><span class=\"S33CB SA7 S2\" id=\"t2m_148\">The Pillar3 Disclosure of OTP Group contains the capital adequacy ratios calculated under regulatory scope of </span><span class=\"S33CC SA7 S2\" id=\"t2n_148\">consolidation. </span><span class=\"S33CD SA7 S2\" id=\"t2o_148\">The Group has entirely complied with the regulatory capital requirements in the year ended as at 31 December </span><span class=\"S33CE SA7 S2\" id=\"t2p_148\">2022 as well as 2021. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f17717": {
   "value": "<span class=\"S3363 SB S2\" id=\"t5_147\">37.6. Capital management </span><span class=\"S3364 SB S2\" id=\"t6_147\">Capital management </span><span class=\"S3365 SA7 S2\" id=\"t7_147\">The primary objective of the capital management of the Group is to ensure the prudent operation, the entire </span><span class=\"S3366 SA7 S2\" id=\"t8_147\">compliance with the prescriptions of the regulator for a persistent business operation and maximising the </span><span class=\"S3367 SA7 S2\" id=\"t9_147\">shareholder value, accompanied by an optimal financing structure. </span><span class=\"S3368 SA7 S2\" id=\"ta_147\">The capital management of the Group members includes the management and evaluation of the shareholders` </span><span class=\"S3369 SA7 S2\" id=\"tb_147\">equity and other types of funds available for hedging risks, to be recorded in the equity and all material risks to be </span><span class=\"S336A SA7 S2\" id=\"tc_147\">covered by the capital. </span><span class=\"S336B SA7 S2\" id=\"td_147\">The basis of the capital management of the Group members in the short run is the continuous monitoring of their </span><span class=\"S336C SA7 S2\" id=\"te_147\">capital position, in the long run the strategic and the business planning, which includes the monitoring and forecast </span><span class=\"S976 SA7 S2\" id=\"tf_147\">of the capital position. </span><span class=\"S336D SA7 S2\" id=\"tg_147\">The Group members maintain the capital adequacy required by the regulatory bodies and the planned risk taking </span><span class=\"S336E SA7 S2\" id=\"th_147\">mainly by means of ensuring and developing their profitability. In the event that the planned risk level of a Group </span><span class=\"S336F SA7 S2\" id=\"ti_147\">member exceeded its Core and the previously raised Supplementary capital, it ensures the prudent operation by </span><span class=\"S3370 SA7 S2\" id=\"tj_147\">occasional measures. A further tool in the capital management of the Bank is the dividend policy, and the </span><span class=\"S3371 SA7 S2\" id=\"tk_147\">transactions performed with the treasury shares. </span><span class=\"S3372 SB S2\" id=\"tl_147\">Capital adequacy </span><span class=\"S3373 SA7 S2\" id=\"tm_147\">The Capital Requirements Directive package (CRDIV/CRR) transposes the new global standards on banking </span><span class=\"S3374 SA7 S2\" id=\"tn_147\">regulation (known as the Basel III agreement) into the EU legal framework. The new rules are applied from 1 </span><span class=\"S3375 SA7 S2\" id=\"to_147\">January 2014. They set stronger prudential requirements for institutions, requiring them to keep sufficient capital </span><span class=\"S18BD SA7 S2\" id=\"tp_147\">reserves and liquidity. This new framework makes institutions in the EU more solid and strengthens their capacity </span><span class=\"SA38 SA7 S2\" id=\"tq_147\">to adequately manage the risks linked to their activities and absorb any losses they may incur in doing business. </span><span class=\"S3376 SA7 S2\" id=\"tr_147\">The capital adequacy of the Group is supervised based on the financial statements data prepared in accordance </span><span class=\"S5D9 SA7 S2\" id=\"ts_147\">with IFRS applying the current directives, rulings and indicators from 1 January 2014. </span><span class=\"S3377 SA7 S2\" id=\"tt_147\">The Group uses the standard method for determining the regulatory capital requirements of the credit risk and </span><span class=\"S3378 S5B9 S2\" id=\"tu_147\">market risk, and parallel to that, the base indicator method, and the advanced method (\u201cAMA\u201d) in case of the </span><span class=\"S3379 SA7 S2\" id=\"tv_147\">operational risk. </span><span class=\"S337A SA7 S2\" id=\"tw_147\">For international comparison purposes, the Group calculated the Regulatory capital based on IFRS data as adopted </span><span class=\"S337B SA7 S2\" id=\"tx_147\">by the EU, and the consolidated Capital adequacy ratio based on this in accordance with the regulations of Basel </span><span class=\"S337C SA7 S2\" id=\"ty_147\">III. The Capital adequacy ratio of the Group (IFRS) was 17.5%, the Regulatory capital was HUF 3,565,933 million </span><span class=\"S337D SA7 S2\" id=\"tz_147\">and the Total regulatory capital requirement was HUF 1,632,426 million as at 31 December 2022. The same ratios </span><span class=\"S337E SA7 S2\" id=\"t10_147\">calculated as at 31 December 2021 were the following: 19.1%, HUF 3,191,765 million and HUF 1,335,305 </span><span class=\"S2916 SA7 S2\" id=\"t11_147\">million. </span><span class=\"SA7F SB S2\" id=\"t5_148\">37.6.  Capital management [continued] </span><span class=\"SC44 SB S2\" id=\"t6_148\">Capital adequacy [continued] </span><span class=\"S337F SB S2\" id=\"t7_148\">Calculation on IFRS basis (in HUF million) </span><span class=\"SE8E SB S2\" id=\"t8_148\">2022 </span><span class=\"SE8F SB S2\" id=\"t9_148\">2021 </span><span class=\"S3380 SB S2\" id=\"ta_148\">Core capital (Tier 1) = </span><span class=\"S3381 SB S2\" id=\"tb_148\">3,277,984 </span><span class=\"S3382 SB S2\" id=\"tc_148\">2,926,882 </span><span class=\"S3383 SB S2\" id=\"td_148\">Common Equity Tier 1 (CET 1) </span><span class=\"S249C SA7 S2\" id=\"te_148\">Issued capital </span><span class=\"SFFF SA7 S2\" id=\"tf_148\">28,000 </span><span class=\"S249D SA7 S2\" id=\"tg_148\">28,000 </span><span class=\"S3384 SA7 S2\" id=\"th_148\">Reserves </span><span class=\"S3385 SE8B S2\" id=\"ti_148\">1 </span><span class=\"S3386 SA7 S2\" id=\"tj_148\">3,154,801 </span><span class=\"S3387 SA7 S2\" id=\"tk_148\">2,896,118 </span><span class=\"S3388 SA7 S2\" id=\"tl_148\">Fair value adjustments </span><span class=\"S3389 SA7 S2\" id=\"tm_148\">(135,081) </span><span class=\"S338A SA7 S2\" id=\"tn_148\">(15,715) </span><span class=\"S338B SA7 S2\" id=\"to_148\">Other capital components </span><span class=\"S24A3 SA7 S2\" id=\"tp_148\">286,963 </span><span class=\"S24A4 SA7 S2\" id=\"tq_148\">104,326 </span><span class=\"S338C SA7 S2\" id=\"tr_148\">Non-controlling interests </span><span class=\"S24A6 SA7 S2\" id=\"ts_148\">2,485 </span><span class=\"S100C SA7 S2\" id=\"tt_148\">1,996 </span><span class=\"S338D SA7 S2\" id=\"tu_148\">Treasury shares </span><span class=\"S338E SA7 S2\" id=\"tv_148\">(119,138) </span><span class=\"S338F SA7 S2\" id=\"tw_148\">(121,941) </span><span class=\"S3390 SA7 S2\" id=\"tx_148\">Goodwill and other intangible assets </span><span class=\"S3391 SA7 S2\" id=\"ty_148\">(170,344) </span><span class=\"S3392 SA7 S2\" id=\"tz_148\">(183,440) </span><span class=\"S3393 SA7 S2\" id=\"t10_148\">Other adjustments </span><span class=\"S3394 SA7 S2\" id=\"t11_148\">230,298 </span><span class=\"S3395 SA7 S2\" id=\"t12_148\">217,538 </span><span class=\"S3396 SA7 S2\" id=\"t13_148\">Additional Tier 1 (AT1) </span><span class=\"S3397 SA7 S2\" id=\"t14_148\">- </span><span class=\"S3398 SA7 S2\" id=\"t15_148\">- </span><span class=\"S3399 SB S2\" id=\"t16_148\">Supplementary capital (Tier 2) </span><span class=\"S339A SB S2\" id=\"t17_148\">287,949 </span><span class=\"S339B SB S2\" id=\"t18_148\">264,883 </span><span class=\"S339C SA7 S2\" id=\"t19_148\">Subordinated bonds and loans </span><span class=\"S183B SA7 S2\" id=\"t1a_148\">287,362 </span><span class=\"S183C SA7 S2\" id=\"t1b_148\">264,397 </span><span class=\"S339D SA7 S2\" id=\"t1c_148\">Other issued capital components </span><span class=\"S339E SA7 S2\" id=\"t1d_148\">- </span><span class=\"S339F SA7 S2\" id=\"t1e_148\">- </span><span class=\"S33A0 SA7 S2\" id=\"t1f_148\">Components recognized in T2 capital </span><span class=\"S33A1 SA7 S2\" id=\"t1g_148\">issued by subsidiaries </span><span class=\"S33A2 SA7 S2\" id=\"t1h_148\">587 </span><span class=\"S33A3 SA7 S2\" id=\"t1i_148\">486 </span><span class=\"S33A4 SB S2\" id=\"t1j_148\">Regulatory capital </span><span class=\"S33A5 SB S2\" id=\"t1k_148\">3,565,933 </span><span class=\"S33A6 SB S2\" id=\"t1l_148\">3,191,765 </span><span class=\"S33A7 SA7 S2\" id=\"t1m_148\">Credit risk capital requirement </span><span class=\"S33A8 SA7 S2\" id=\"t1n_148\">1,478,168 </span><span class=\"S33A9 SA7 S2\" id=\"t1o_148\">1,199,423 </span><span class=\"S33AA SA7 S2\" id=\"t1p_148\">Market risk capital requirement </span><span class=\"S33AB SA7 S2\" id=\"t1q_148\">29,322 </span><span class=\"S33AC SA7 S2\" id=\"t1r_148\">13,440 </span><span class=\"S33AD SA7 S2\" id=\"t1s_148\">Operational risk capital requirement </span><span class=\"S33AE SA7 S2\" id=\"t1t_148\">124,936 </span><span class=\"S33AF SA7 S2\" id=\"t1u_148\">122,442 </span><span class=\"S33B0 SB S2\" id=\"t1v_148\">Total requirement regulatory capital </span><span class=\"S33B1 SB S2\" id=\"t1w_148\">1,632,426 </span><span class=\"S33B2 SB S2\" id=\"t1x_148\">1,335,305 </span><span class=\"S33B3 SB S2\" id=\"t1y_148\">Surplus capital </span><span class=\"S33B4 SB S2\" id=\"t1z_148\">1,933,507 </span><span class=\"S33B5 SB S2\" id=\"t20_148\">1,856,460 </span><span class=\"S33B6 SA7 S2\" id=\"t21_148\">CET 1 ratio </span><span class=\"S33B7 SA7 S2\" id=\"t22_148\">16.10% </span><span class=\"S33B8 SA7 S2\" id=\"t23_148\">17.50% </span><span class=\"S33B9 SA7 S2\" id=\"t24_148\">Tier 1 ratio </span><span class=\"S33BA SA7 S2\" id=\"t25_148\">16.10% </span><span class=\"S33BB SA7 S2\" id=\"t26_148\">17.50% </span><span class=\"S33BC SB S2\" id=\"t27_148\">Capital adequacy ratio </span><span class=\"S33BD SB S2\" id=\"t28_148\">17.50% </span><span class=\"S33BE SB S2\" id=\"t29_148\">19.10% </span><span class=\"S33BF S482 S2\" id=\"t2a_148\">1 </span><span class=\"S33C0 S483 S2\" id=\"t2b_148\">The dividend amount planned to pay out / paid out is deducted from reserves. </span><span class=\"S33C1 SB S2\" id=\"t2c_148\">Basel III </span><span class=\"S33C2 SA7 S2\" id=\"t2d_148\">The components of the Common Equity Tier 1 capital (CET 1) are the following: Issued capital, Reserves </span><span class=\"S33C3 SA7 S2\" id=\"t2e_148\">(Retained earnings, Other reserves, Changes in the equity of subsidiaries, Net Profit for the year, Changes due to </span><span class=\"S33C4 SA7 S2\" id=\"t2f_148\">consolidation) Fair value adjustments, Other capital components, (Revaluation reserves, Share based payments, </span><span class=\"S33C5 SA7 S2\" id=\"t2g_148\">Cash-flow hedges, Net investment hedge in foreign operations), Non-controlling interest, Treasury shares, </span><span class=\"S33C6 SA7 S2\" id=\"t2h_148\">Goodwill and other Intangible assets, other adjustments (due to prudential filters, due to deferred tax receivables, </span><span class=\"S33C7 SA7 S2\" id=\"t2i_148\">due to temporary regulations). </span><span class=\"S33C8 SA7 S2\" id=\"t2j_148\">Supplementary capital (Tier 2): Subordinated loan capital, Supplementary loan capital, Other issued capital </span><span class=\"S33C9 SA7 S2\" id=\"t2k_148\">components, Components recognized in T2 capital issued by subsidiaries. </span><span class=\"S33CA SA7 S2\" id=\"t2l_148\">For regulatory compliance the capital adequacy ratios according to regulatory scope of consolidation are relevant. </span><span class=\"S33CB SA7 S2\" id=\"t2m_148\">The Pillar3 Disclosure of OTP Group contains the capital adequacy ratios calculated under regulatory scope of </span><span class=\"S33CC SA7 S2\" id=\"t2n_148\">consolidation. </span><span class=\"S33CD SA7 S2\" id=\"t2o_148\">The Group has entirely complied with the regulatory capital requirements in the year ended as at 31 December </span><span class=\"S33CE SA7 S2\" id=\"t2p_148\">2022 as well as 2021. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f17932": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_150\">NOTE 39: </span><span class=\"S584 SB S2\" id=\"t4_150\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S3406 SB S2\" id=\"t5_150\">HUF mn) </span><span class=\"S3407 SA7 S2\" id=\"t6_150\">In the normal course of business, the Group becomes a party to various financial transactions that are not reflected </span><span class=\"S3408 SA7 S2\" id=\"t7_150\">on the Consolidated statement of financial position and are referred to as off-balance sheet financial instruments. </span><span class=\"S3409 SA7 S2\" id=\"t8_150\">The following represent notional amounts of these off-balance sheet financial instruments, unless stated otherwise. </span><span class=\"S340A SB S2\" id=\"t9_150\">Contingent liabilities </span><span class=\"SF38 SB S2\" id=\"ta_150\">2022 </span><span class=\"SF39 SB S2\" id=\"tb_150\">2021 </span><span class=\"S340B SA7 S2\" id=\"tc_150\">Commitments to extend credit </span><span class=\"S340C SA7 S2\" id=\"td_150\">4,230,289 </span><span class=\"S340D SA7 S2\" id=\"te_150\">4,065,002 </span><span class=\"S340E SA7 S2\" id=\"tf_150\">Guarantees arising from banking activities </span><span class=\"S340F SA7 S2\" id=\"tg_150\">1,413,017 </span><span class=\"S3410 SA7 S2\" id=\"th_150\">1,293,841 </span><span class=\"SF41 SA7 S2\" id=\"ti_150\">Factoring loan commitment </span><span class=\"SF92 SA7 S2\" id=\"tj_150\">419,620 </span><span class=\"SF93 SA7 S2\" id=\"tk_150\">464,341 </span><span class=\"S3411 SA7 S2\" id=\"tl_150\">Confirmed letters of credit </span><span class=\"S3412 SA7 S2\" id=\"tm_150\">53,557 </span><span class=\"S3413 SA7 S2\" id=\"tn_150\">65,077 </span><span class=\"S3414 SA7 S2\" id=\"to_150\">Other </span><span class=\"S18CE SA7 S2\" id=\"tp_150\">144,893 </span><span class=\"SF97 SA7 S2\" id=\"tq_150\">27,997 </span><span class=\"S3415 SB S2\" id=\"tr_150\">Contingent liabilities and commitments total </span><span class=\"S3416 SB S2\" id=\"ts_150\">in accordance with IFRS 9 </span><span class=\"SF9B SB S2\" id=\"tt_150\">6,261,376 </span><span class=\"SF9C SB S2\" id=\"tu_150\">5,916,258 </span><span class=\"S3417 SA7 S2\" id=\"tv_150\">Legal disputes (disputed value) </span><span class=\"SF9E SA7 S2\" id=\"tw_150\">86,137 </span><span class=\"SF9F SA7 S2\" id=\"tx_150\">75,453 </span><span class=\"SF50 SA7 S2\" id=\"ty_150\">Underwriting guarantees </span><span class=\"S3418 SA7 S2\" id=\"tz_150\">1,397 </span><span class=\"S3419 SA7 S2\" id=\"t10_150\">- </span><span class=\"S341A SA7 S2\" id=\"t11_150\">Other </span><span class=\"S1835 SA7 S2\" id=\"t12_150\">5,393 </span><span class=\"S1836 SA7 S2\" id=\"t13_150\">5,410 </span><span class=\"S341B SB S2\" id=\"t14_150\">Contingent liabilities and commitments </span><span class=\"S341C SB S2\" id=\"t15_150\">total in accordance with IAS 37 </span><span class=\"S341D SB S2\" id=\"t16_150\">92,927 </span><span class=\"S341E SB S2\" id=\"t17_150\">80,863 </span><span class=\"S341F SB S2\" id=\"t18_150\">Total </span><span class=\"S3420 SB S2\" id=\"t19_150\">6,354,303 </span><span class=\"S3421 SB S2\" id=\"t1a_150\">5,997,121 </span><span class=\"S3422 SB S2\" id=\"t1b_150\">Legal disputes </span><span class=\"S3423 SA7 S2\" id=\"t1c_150\">At the balance sheet date, the Group was involved in various claims and legal proceedings of a nature considered </span><span class=\"S3424 SA7 S2\" id=\"t1d_150\">normal to its business. The amount of these claims and legal proceedings corresponds to the amount of claims and </span><span class=\"S3425 SA7 S2\" id=\"t1e_150\">legal proceedings in previous years. </span><span class=\"S3426 SA7 S2\" id=\"t1f_150\">The Group believes that the various asserted claims and litigations in which it is involved will not materially affect </span><span class=\"S3427 SA7 S2\" id=\"t1g_150\">its financial position, future operating results or cash-flows, although no assurance can be given with respect to </span><span class=\"S3428 SA7 S2\" id=\"t1h_150\">the ultimate outcome of any such claim or litigation. Provisions due to legal disputes were HUF 37,043 million as </span><span class=\"S3429 SA7 S2\" id=\"t1i_150\">at 31 December 2022 and HUF 35,354 million as at 31 December 2021, respectively. (See Note 24.) </span><span class=\"S342A SB S2\" id=\"t1j_150\">Commitments to extend credit, guarantees and letters of credit </span><span class=\"S342B SA7 S2\" id=\"t1k_150\">The primary purpose of these instruments is to ensure that funds are available to a customer as required. Guarantees </span><span class=\"S342C SA7 S2\" id=\"t1l_150\">and standby letters of credit, which represent irrevocable assurances that the Group will make payments in the </span><span class=\"S342D SA7 S2\" id=\"t1m_150\">event that a customer cannot meet its obligations to third parties, carry the same credit risk as loans. </span><span class=\"S342E SA7 S2\" id=\"t1n_150\">Documentary and commercial letters of credit, which are written undertakings by the Group on behalf of a </span><span class=\"S342F SA7 S2\" id=\"t1o_150\">customer authorising a third party to draw drafts on the Group up to a stipulated amount under specific terms and </span><span class=\"S3430 SA7 S2\" id=\"t1p_150\">conditions, are collateralised by the underlying shipments of goods to which they relate and therefore carry less </span><span class=\"S3431 SA7 S2\" id=\"t1q_150\">risk than a direct borrowing. </span><span class=\"S3432 SA7 S2\" id=\"t1r_150\">Commitments to extend credit represent unused portions of authorisations to extend credit in the form of loans, </span><span class=\"S3433 SA7 S2\" id=\"t1s_150\">guarantees or letters of credit. With respect to credit risk on commitments to extend credit, the Group is potentially </span><span class=\"S3434 SA7 S2\" id=\"t1t_150\">exposed to loss in an amount equal to the total unused commitments. However, the likely amount of loss is less </span><span class=\"S3435 SA7 S2\" id=\"t1u_150\">than the total unused commitments since most commitments to extend credit are contingent upon customers </span><span class=\"S3436 SA7 S2\" id=\"t1v_150\">maintaining specific credit standards. </span><span class=\"S3437 SA7 S2\" id=\"t1w_150\">Guarantees, irrevocable letters of credit and undrawn loan commitments are subject to similar credit risk </span><span class=\"S3438 SA7 S2\" id=\"t1x_150\">monitoring and credit policies as utilised in the extension of loans. The Management of the Group believes the </span><span class=\"S3439 SA7 S2\" id=\"t1y_150\">market risk associated with guarantees, irrevocable letters of credit and undrawn loan commitments are minimal. </span><span class=\"SFA4 SB S2\" id=\"t3_151\">NOTE 39: </span><span class=\"S13FD SB S2\" id=\"t4_151\">OFF-BALANCE SHEET ITEMS AND DERIVATIVE FINANCIAL INSTRUMENTS (in </span><span class=\"S343A SB S2\" id=\"t5_151\">HUF mn) [continued] </span><span class=\"S343B SB S2\" id=\"t6_151\">Guarantees, payment undertakings arising from banking activities </span><span class=\"S343C SA7 S2\" id=\"t7_151\">Payment undertaking is a promise  by the Group to assume responsibility for the debt obligation of a borrower if </span><span class=\"S343D SA7 S2\" id=\"t8_151\">that borrower defaults until a determined amount, until a determined date, in case of fulfilling conditions, without </span><span class=\"S343E SA7 S2\" id=\"t9_151\">checking the unde</span><span class=\"S343F S5B9 S2\" id=\"ta_151\">rlying transactions. The guarantee\u2019s liability is joint and primary with the principal, in case of </span><span class=\"S3440 SA7 S2\" id=\"tb_151\">payment undertaking, while the Group assumes the obligation derived from guarantee independently by the </span><span class=\"S7DF SA7 S2\" id=\"tc_151\">conditions established by the Group. A guarantee is most typically required when the ability of the primary obligor </span><span class=\"S3441 SA7 S2\" id=\"td_151\">to perform its obligations under a contract is in question, or when there is some public or private interest which </span><span class=\"S9F9 SA7 S2\" id=\"te_151\">requires protection from the consequences of the principal's default or delinquency. </span><span class=\"S3442 SA7 S2\" id=\"tf_151\">A contract of guarantee is subject to the statute of frauds (or its equivalent local laws) which has maturity and is </span><span class=\"S3443 SA7 S2\" id=\"tg_151\">only enforceable if recorded in writing and signed by the surety and the principal. This means that if the beneficiary </span><span class=\"S3444 SA7 S2\" id=\"th_151\">has not exercised his rights against the surety or guarantor by the deadline indicated, he automatically forfeits all </span><span class=\"S877 SA7 S2\" id=\"ti_151\">his claims against the guarantor or surety. </span><span class=\"S3445 SA7 S2\" id=\"tj_151\">In the case of a simple surety, the beneficiary is obliged to seek recovery of the debt from the debtor, because as </span><span class=\"S3446 SA7 S2\" id=\"tk_151\">long as the debt is recoverable from the debtor, the guarantor can refuse to pay, whereas in the case of a cash </span><span class=\"S3447 SA7 S2\" id=\"tl_151\">surety, the beneficiary can also go to the guarantor immediately, there being no objection to enforcement. </span><span class=\"S936 SB S2\" id=\"tm_151\">Derivatives </span><span class=\"S3448 SA7 S2\" id=\"tn_151\">The Group maintains strict control limits on net open derivative positions, that is the difference between purchase </span><span class=\"S3449 SA7 S2\" id=\"to_151\">and sale contracts, regarding both the amount and the term. At any time the amount subject to credit risk is limited </span><span class=\"S344A SA7 S2\" id=\"tp_151\">to the current fair value of instruments that are favourable to the Group (i.e. assets), which in relation to derivatives </span><span class=\"S344B SA7 S2\" id=\"tq_151\">is only a small fraction of the contract or notional values used to express the volume of instruments outstanding. </span><span class=\"S344C SA7 S2\" id=\"tr_151\">This credit risk exposure is managed as part of the overall lending limits with customers, together with potential </span><span class=\"S344D SA7 S2\" id=\"ts_151\">exposures from market movements. Collateral or other security is not usually obtained for credit risk exposures </span><span class=\"S344E SA7 S2\" id=\"tt_151\">on these instruments, except for trading with clients, where the Group in most of the cases requires margin deposits. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f18049": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_152\">NOTE 40: </span><span class=\"S100D SB S2\" id=\"t4_152\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) </span><span class=\"S344F SA7 S2\" id=\"t5_152\">The previously approved option program required a modification due to the introduction of the Bank Group Policy </span><span class=\"S3450 SA7 S2\" id=\"t6_152\">on Payments accepted in resolution of Annual General Meeting regarding to the amendment of CRD III. Directives </span><span class=\"S8AC SA7 S2\" id=\"t7_152\">and Act on Credit Institutions and Financial Enterprises. </span><span class=\"S3451 SA7 S2\" id=\"t8_152\">Key management personnel affected by the Bank Group Policy receive compensation based on performance </span><span class=\"S3452 SA7 S2\" id=\"t9_152\">assessment generally in the form of cash bonus and equity shares in a ratio of 50-50%. Assignment is based on </span><span class=\"S3453 SA7 S2\" id=\"ta_152\">OTP shares, furthermore performance-based payments are deferred in accordance with the rules of Credit </span><span class=\"S3454 SA7 S2\" id=\"tb_152\">Institutions Act. </span><span class=\"S3455 SA7 S2\" id=\"tc_152\">The Bank ensures the share-based payment part for the management personnel of the Group members. </span><span class=\"S3456 SA7 S2\" id=\"td_152\">During implementation of the Remuneration Policy of the Group appeared that in case of certain foreign </span><span class=\"S3457 SA7 S2\" id=\"te_152\">subsidiaries it is not possible to ensure the originally determined share-based payment because of legal reasons </span><span class=\"S3458 S5B9 S2\" id=\"tf_152\">\u2013 </span><span class=\"S3459 SA7 S2\" id=\"tg_152\">incompatible with relevant EU-directives </span><span class=\"S345A S5B9 S2\" id=\"th_152\">\u2013</span><span class=\"S345B SA7 S2\" id=\"ti_152\">, therefore a decision was made to cancel the share-based payment in </span><span class=\"S345C SA7 S2\" id=\"tj_152\">affected countries, and virtual share-based payment </span><span class=\"S345D S5B9 S2\" id=\"tk_152\">\u2013 </span><span class=\"S345E SA7 S2\" id=\"tl_152\">cash payment fixed to share price - was made from 2017. In </span><span class=\"S7E3 SA7 S2\" id=\"tm_152\">case of foreign subsidiaries virtual share-based payment was made uniformly from 2021 (in the case of payments </span><span class=\"S9FC SA7 S2\" id=\"tn_152\">related to 2021). </span><span class=\"S345F SA7 S2\" id=\"to_152\">The quantity of usable shares for individuals calculated for settlement of share-based payment shall be determined </span><span class=\"S3460 SA7 S2\" id=\"tp_152\">as the ratio of the amount of share-based payment and share price determined by Supervisory Board (until the end </span><span class=\"S3461 SA7 S2\" id=\"tq_152\">of 2014 by Board of Directors). </span><span class=\"SA2D SA7 S2\" id=\"tr_152\">The value of the share-based payment at the performance assessment is determined within 10 days by Supervisory </span><span class=\"S3462 S5B9 S2\" id=\"ts_152\">Board based on the average of the three previous trade day\u2019s middle rate of OTP Bank\u2019s equity shares fixed on the </span><span class=\"S3463 SA7 S2\" id=\"tt_152\">Budapest Stock Exchange. </span><span class=\"S3464 SA7 S2\" id=\"tu_152\">At the same time the conditions of discounted share-based payment are determined, and share-based payment shall </span><span class=\"S3465 SA7 S2\" id=\"tv_152\">contain maximum HUF 6,000 discount at the assessment date, and earnings for the shares at the payment date is </span><span class=\"S3466 SA7 S2\" id=\"tw_152\">maximum HUF 12,000. Employee </span><span class=\"S3467 SA7 S2\" id=\"tx_152\">benefits are all forms of consideration given by an entity in exchange for service </span><span class=\"S3468 SA7 S2\" id=\"ty_152\">rendered by employees or for the termination of employment. IAS 19 Employee Benefits shall be applied in </span><span class=\"S3469 SA7 S2\" id=\"tz_152\">accounting for all employee benefits, except those to which IFRS 2 Share-based Payment applies. </span><span class=\"S346A SA7 S2\" id=\"t10_152\">The parameters for the share-based payment relating to ongoing years 2017-2019 by the Supervisory Board for </span><span class=\"SB66 SA7 S2\" id=\"t11_152\">periods of each year as follows: </span><span class=\"S346B S27D S2\" id=\"t12_152\">Year </span><span class=\"S346C S27D S2\" id=\"t13_152\">Share purchasing at </span><span class=\"S346D S27D S2\" id=\"t14_152\">a discounted price </span><span class=\"S346E S27E S2\" id=\"t15_152\">Price of </span><span class=\"S346F S27E S2\" id=\"t16_152\">remuneration </span><span class=\"S3470 S27E S2\" id=\"t17_152\">exchanged to </span><span class=\"S3471 S27E S2\" id=\"t18_152\">share </span><span class=\"S3472 S27D S2\" id=\"t19_152\">Share purchasing at </span><span class=\"S3473 S27D S2\" id=\"t1a_152\">a discounted price </span><span class=\"S3474 S27E S2\" id=\"t1b_152\">Price of </span><span class=\"S3475 S27E S2\" id=\"t1c_152\">remuneration </span><span class=\"S3476 S27E S2\" id=\"t1d_152\">exchanged to </span><span class=\"S3477 S27E S2\" id=\"t1e_152\">share </span><span class=\"S3478 S27D S2\" id=\"t1f_152\">Share purchasing at </span><span class=\"S3479 S27D S2\" id=\"t1g_152\">a discounted price </span><span class=\"S347A S27E S2\" id=\"t1h_152\">Price of </span><span class=\"S347B S27E S2\" id=\"t1i_152\">remuneration </span><span class=\"S347C S27E S2\" id=\"t1j_152\">exchanged to </span><span class=\"S347D S27E S2\" id=\"t1k_152\">share </span><span class=\"S347E S27E S2\" id=\"t1l_152\">Exercise </span><span class=\"S347F S27E S2\" id=\"t1m_152\">price </span><span class=\"S3480 S27E S2\" id=\"t1n_152\">Maximum </span><span class=\"S3481 S27E S2\" id=\"t1o_152\">earnings </span><span class=\"S3482 S27E S2\" id=\"t1p_152\">Exercise </span><span class=\"S3483 S27E S2\" id=\"t1q_152\">price </span><span class=\"S3484 S27E S2\" id=\"t1r_152\">Maximum </span><span class=\"S3485 S27E S2\" id=\"t1s_152\">earnings </span><span class=\"S3486 S27E S2\" id=\"t1t_152\">Exercise </span><span class=\"S3487 S27E S2\" id=\"t1u_152\">price </span><span class=\"S3488 S27E S2\" id=\"t1v_152\">Maximum </span><span class=\"S3489 S27E S2\" id=\"t1w_152\">earnings </span><span class=\"S348A S27D S2\" id=\"t1x_152\">HUF per share </span><span class=\"S348B S27D S2\" id=\"t1y_152\">for the year 2017 </span><span class=\"S348C S27D S2\" id=\"t1z_152\">for the year 2018 </span><span class=\"S348D S27D S2\" id=\"t20_152\">for the year 2019 </span><span class=\"S348E S27E S2\" id=\"t21_152\">2018 </span><span class=\"S348F S27E S2\" id=\"t22_152\">8,064 </span><span class=\"S3490 S27E S2\" id=\"t23_152\">3,000 </span><span class=\"S3491 S27E S2\" id=\"t24_152\">10,064 </span><span class=\"S3492 S27E S2\" id=\"t25_152\">- </span><span class=\"S3493 S27E S2\" id=\"t26_152\">- </span><span class=\"S3494 S27E S2\" id=\"t27_152\">- </span><span class=\"S3495 S27E S2\" id=\"t28_152\">- </span><span class=\"S3496 S27E S2\" id=\"t29_152\">- </span><span class=\"S3497 S27E S2\" id=\"t2a_152\">- </span><span class=\"S3498 S27E S2\" id=\"t2b_152\">2019 </span><span class=\"S3499 S27E S2\" id=\"t2c_152\">8,064 </span><span class=\"S349A S27E S2\" id=\"t2d_152\">3,500 </span><span class=\"S349B S27E S2\" id=\"t2e_152\">10,064 </span><span class=\"S349C S27E S2\" id=\"t2f_152\">10,413 </span><span class=\"S349D S27E S2\" id=\"t2g_152\">4,000 </span><span class=\"S349E S27E S2\" id=\"t2h_152\">12,413 </span><span class=\"S349F S27E S2\" id=\"t2i_152\">- </span><span class=\"S34A0 S27E S2\" id=\"t2j_152\">- </span><span class=\"S34A1 S27E S2\" id=\"t2k_152\">- </span><span class=\"S34A2 S27E S2\" id=\"t2l_152\">2020 </span><span class=\"S34A3 S27E S2\" id=\"t2m_152\">8,064 </span><span class=\"S34A4 S27E S2\" id=\"t2n_152\">4,000 </span><span class=\"S34A5 S27E S2\" id=\"t2o_152\">10,064 </span><span class=\"S34A6 S27E S2\" id=\"t2p_152\">10,413 </span><span class=\"S34A7 S27E S2\" id=\"t2q_152\">4,000 </span><span class=\"S34A8 S27E S2\" id=\"t2r_152\">12,413 </span><span class=\"S34A9 S27E S2\" id=\"t2s_152\">9,553 </span><span class=\"S34AA S27E S2\" id=\"t2t_152\">4,000 </span><span class=\"S34AB S27E S2\" id=\"t2u_152\">11,553 </span><span class=\"S34AC S27E S2\" id=\"t2v_152\">2021 </span><span class=\"S34AD S27E S2\" id=\"t2w_152\">8,064 </span><span class=\"S34AE S27E S2\" id=\"t2x_152\">4,000 </span><span class=\"S34AF S27E S2\" id=\"t2y_152\">10,064 </span><span class=\"S34B0 S27E S2\" id=\"t2z_152\">10,413 </span><span class=\"S34B1 S27E S2\" id=\"t30_152\">4,000 </span><span class=\"S34B2 S27E S2\" id=\"t31_152\">12,413 </span><span class=\"S34B3 S27E S2\" id=\"t32_152\">9,553 </span><span class=\"S34B4 S27E S2\" id=\"t33_152\">4,000 </span><span class=\"S34B5 S27E S2\" id=\"t34_152\">11,553 </span><span class=\"S34B6 S27E S2\" id=\"t35_152\">2022 </span><span class=\"S34B7 S27E S2\" id=\"t36_152\">8,064 </span><span class=\"S34B8 S27E S2\" id=\"t37_152\">4,000 </span><span class=\"S34B9 S27E S2\" id=\"t38_152\">10,064 </span><span class=\"S34BA S27E S2\" id=\"t39_152\">10,913 </span><span class=\"S34BB S27E S2\" id=\"t3a_152\">4,000 </span><span class=\"S34BC S27E S2\" id=\"t3b_152\">12,413 </span><span class=\"S34BD S27E S2\" id=\"t3c_152\">9,553 </span><span class=\"S34BE S27E S2\" id=\"t3d_152\">4,000 </span><span class=\"S34BF S27E S2\" id=\"t3e_152\">11,553 </span><span class=\"S34C0 S27E S2\" id=\"t3f_152\">2023 </span><span class=\"S34C1 S27E S2\" id=\"t3g_152\">- </span><span class=\"S34C2 S27E S2\" id=\"t3h_152\">- </span><span class=\"S34C3 S27E S2\" id=\"t3i_152\">- </span><span class=\"S34C4 S27E S2\" id=\"t3j_152\">10,913 </span><span class=\"S34C5 S27E S2\" id=\"t3k_152\">4,000 </span><span class=\"S34C6 S27E S2\" id=\"t3l_152\">12,413 </span><span class=\"S34C7 S27E S2\" id=\"t3m_152\">9,553 </span><span class=\"S34C8 S27E S2\" id=\"t3n_152\">4,000 </span><span class=\"S34C9 S27E S2\" id=\"t3o_152\">11,553 </span><span class=\"S34CA S27E S2\" id=\"t3p_152\">2024 </span><span class=\"S34CB S27E S2\" id=\"t3q_152\">- </span><span class=\"S34CC S27E S2\" id=\"t3r_152\">- </span><span class=\"S34CD S27E S2\" id=\"t3s_152\">- </span><span class=\"S34CE S27E S2\" id=\"t3t_152\">10,913 </span><span class=\"S34CF S27E S2\" id=\"t3u_152\">4,000 </span><span class=\"S34D0 S27E S2\" id=\"t3v_152\">12,413 </span><span class=\"S34D1 S27E S2\" id=\"t3w_152\">9,553 </span><span class=\"S34D2 S27E S2\" id=\"t3x_152\">4,000 </span><span class=\"S34D3 S27E S2\" id=\"t3y_152\">11,553 </span><span class=\"S34D4 S27E S2\" id=\"t3z_152\">2025 </span><span class=\"S34D5 S27E S2\" id=\"t40_152\">- </span><span class=\"S34D6 S27E S2\" id=\"t41_152\">- </span><span class=\"S34D7 S27E S2\" id=\"t42_152\">- </span><span class=\"S34D8 S27E S2\" id=\"t43_152\">10,913 </span><span class=\"S34D9 S27E S2\" id=\"t44_152\">4,000 </span><span class=\"S34DA S27E S2\" id=\"t45_152\">12,413 </span><span class=\"S34DB S27E S2\" id=\"t46_152\">9,553 </span><span class=\"S34DC S27E S2\" id=\"t47_152\">4,000 </span><span class=\"S34DD S27E S2\" id=\"t48_152\">11,553 </span><span class=\"S34DE S27E S2\" id=\"t49_152\">2026 </span><span class=\"S34DF S27E S2\" id=\"t4a_152\">- </span><span class=\"S34E0 S27E S2\" id=\"t4b_152\">- </span><span class=\"S34E1 S27E S2\" id=\"t4c_152\">- </span><span class=\"S34E2 S27E S2\" id=\"t4d_152\">- </span><span class=\"S34E3 S27E S2\" id=\"t4e_152\">- </span><span class=\"S34E4 S27E S2\" id=\"t4f_152\">- </span><span class=\"S34E5 S27E S2\" id=\"t4g_152\">9,553 </span><span class=\"S34E6 S27E S2\" id=\"t4h_152\">4,000 </span><span class=\"S34E7 S27E S2\" id=\"t4i_152\">11,553 </span><span class=\"SFA4 SB S2\" id=\"t3_153\">NOTE 40: </span><span class=\"S182B SB S2\" id=\"t4_153\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S34E8 SA7 S2\" id=\"t5_153\">The parameters for the share-based payment relating to ongoing years 2020-2021 by the Supervisory Board for </span><span class=\"S34E9 SA7 S2\" id=\"t6_153\">periods of each year as follows: </span><span class=\"S34EA S27D S2\" id=\"t7_153\">Year </span><span class=\"S34EB S27D S2\" id=\"t8_153\">Share purchasing at </span><span class=\"S34EC S27D S2\" id=\"t9_153\">a discounted price </span><span class=\"S34ED S27E S2\" id=\"ta_153\">Price of </span><span class=\"S34EE S27E S2\" id=\"tb_153\">remuneration </span><span class=\"S34EF S27E S2\" id=\"tc_153\">exchanged to </span><span class=\"S34F0 S27E S2\" id=\"td_153\">share </span><span class=\"S34F1 S27D S2\" id=\"te_153\">Share purchasing at </span><span class=\"S34F2 S27D S2\" id=\"tf_153\">a discounted price </span><span class=\"S34F3 S27E S2\" id=\"tg_153\">Price of </span><span class=\"S34F4 S27E S2\" id=\"th_153\">remuneration </span><span class=\"S34F5 S27E S2\" id=\"ti_153\">exchanged to </span><span class=\"S34F6 S27E S2\" id=\"tj_153\">share </span><span class=\"S34F7 S27E S2\" id=\"tk_153\">Exercise </span><span class=\"S34F8 S27E S2\" id=\"tl_153\">price </span><span class=\"S34F9 S27E S2\" id=\"tm_153\">Maximum </span><span class=\"S34FA S27E S2\" id=\"tn_153\">earnings </span><span class=\"S34FB S27E S2\" id=\"to_153\">Exercise </span><span class=\"S34FC S27E S2\" id=\"tp_153\">price </span><span class=\"S34FD S27E S2\" id=\"tq_153\">Maximum </span><span class=\"S34FE S27E S2\" id=\"tr_153\">earnings </span><span class=\"S34FF S27D S2\" id=\"ts_153\">HUF per share </span><span class=\"S3500 S27D S2\" id=\"tt_153\">for the year 2020 </span><span class=\"S3501 S27D S2\" id=\"tu_153\">for the year 2021 </span><span class=\"S3502 S27E S2\" id=\"tv_153\">2021 </span><span class=\"S3503 S27E S2\" id=\"tw_153\">12,644 </span><span class=\"S3504 S27E S2\" id=\"tx_153\">9,000 </span><span class=\"S3505 S27E S2\" id=\"ty_153\">16,644 </span><span class=\"S3506 S27E S2\" id=\"tz_153\">- </span><span class=\"S3507 S27E S2\" id=\"t10_153\">- </span><span class=\"S3508 S27E S2\" id=\"t11_153\">- </span><span class=\"S3509 S27E S2\" id=\"t12_153\">2022 </span><span class=\"S350A S27E S2\" id=\"t13_153\">12,644 </span><span class=\"S350B S27E S2\" id=\"t14_153\">8,000 </span><span class=\"S350C S27E S2\" id=\"t15_153\">16,644 </span><span class=\"S350D S27E S2\" id=\"t16_153\">5,912 </span><span class=\"S350E S27E S2\" id=\"t17_153\">6,000 </span><span class=\"S350F S27E S2\" id=\"t18_153\">8,912 </span><span class=\"S3510 S27E S2\" id=\"t19_153\">2023 </span><span class=\"S3511 S27E S2\" id=\"t1a_153\">13,644 </span><span class=\"S3512 S27E S2\" id=\"t1b_153\">8,000 </span><span class=\"S3513 S27E S2\" id=\"t1c_153\">16,644 </span><span class=\"S3514 S27E S2\" id=\"t1d_153\">6,912 </span><span class=\"S3515 S27E S2\" id=\"t1e_153\">7,000 </span><span class=\"S3516 S27E S2\" id=\"t1f_153\">8,912 </span><span class=\"S3517 S27E S2\" id=\"t1g_153\">2024 </span><span class=\"S3518 S27E S2\" id=\"t1h_153\">13,644 </span><span class=\"S3519 S27E S2\" id=\"t1i_153\">8,000 </span><span class=\"S351A S27E S2\" id=\"t1j_153\">16,644 </span><span class=\"S351B S27E S2\" id=\"t1k_153\">6,912 </span><span class=\"S351C S27E S2\" id=\"t1l_153\">8,000 </span><span class=\"S351D S27E S2\" id=\"t1m_153\">8,912 </span><span class=\"S351E S27E S2\" id=\"t1n_153\">2025 </span><span class=\"S351F S27E S2\" id=\"t1o_153\">13,644 </span><span class=\"S3520 S27E S2\" id=\"t1p_153\">8,000 </span><span class=\"S3521 S27E S2\" id=\"t1q_153\">16,644 </span><span class=\"S3522 S27E S2\" id=\"t1r_153\">6,912 </span><span class=\"S3523 S27E S2\" id=\"t1s_153\">9,000 </span><span class=\"S3524 S27E S2\" id=\"t1t_153\">8,912 </span><span class=\"S3525 S27E S2\" id=\"t1u_153\">2026 </span><span class=\"S3526 S27E S2\" id=\"t1v_153\">13,644 </span><span class=\"S3527 S27E S2\" id=\"t1w_153\">8,000 </span><span class=\"S3528 S27E S2\" id=\"t1x_153\">16,644 </span><span class=\"S3529 S27E S2\" id=\"t1y_153\">6,912 </span><span class=\"S352A S27E S2\" id=\"t1z_153\">10,000 </span><span class=\"S352B S27E S2\" id=\"t20_153\">8,912 </span><span class=\"S352C S27E S2\" id=\"t21_153\">2027 </span><span class=\"S352D S27E S2\" id=\"t22_153\">13,644 </span><span class=\"S352E S27E S2\" id=\"t23_153\">8,000 </span><span class=\"S352F S27E S2\" id=\"t24_153\">16,644 </span><span class=\"S3530 S27E S2\" id=\"t25_153\">6,912 </span><span class=\"S3531 S27E S2\" id=\"t26_153\">10,000 </span><span class=\"S3532 S27E S2\" id=\"t27_153\">8,912 </span><span class=\"S3533 S27E S2\" id=\"t28_153\">2028 </span><span class=\"S3534 S1F81 S2\" id=\"t29_153\">1 </span><span class=\"S3535 S27E S2\" id=\"t2a_153\">- </span><span class=\"S3536 S27E S2\" id=\"t2b_153\">- </span><span class=\"S3537 S27E S2\" id=\"t2c_153\">- </span><span class=\"S3538 S27E S2\" id=\"t2d_153\">6,912 </span><span class=\"S3539 S27E S2\" id=\"t2e_153\">10,000 </span><span class=\"S353A S27E S2\" id=\"t2f_153\">8,912 </span><span class=\"S353B S482 S2\" id=\"t2g_153\">1 </span><span class=\"S353C S483 S2\" id=\"t2h_153\">Parameters of benefits for year after 2021 due in 2028 only is applicable to foreign companies and for virtual benefits. </span><span class=\"S5D3 SA7 S2\" id=\"t2i_153\">Relevant factors considered during measurement of fair value related to share-based payment as follows: </span><span class=\"S353D S27D S2\" id=\"t2j_153\">Year </span><span class=\"S353E S27D S2\" id=\"t2k_153\">Reference </span><span class=\"S353F S27D S2\" id=\"t2l_153\">price </span><span class=\"S3540 S27D S2\" id=\"t2m_153\">Assumed </span><span class=\"S3541 S27D S2\" id=\"t2n_153\">volatility </span><span class=\"S3542 S27D S2\" id=\"t2o_153\">Risk-free interest rate (HUF) </span><span class=\"S3543 S27D S2\" id=\"t2p_153\">1-year </span><span class=\"S3544 S27D S2\" id=\"t2q_153\">2-year </span><span class=\"S3545 S27D S2\" id=\"t2r_153\">3-year </span><span class=\"S3546 S27D S2\" id=\"t2s_153\">4-year </span><span class=\"S3547 S27D S2\" id=\"t2t_153\">5-year </span><span class=\"S3548 S27D S2\" id=\"t2u_153\">6-year </span><span class=\"S3549 S27D S2\" id=\"t2v_153\">7-year </span><span class=\"S354A S27E S2\" id=\"t2w_153\">2017 </span><span class=\"S354B S27E S2\" id=\"t2x_153\">9,200 </span><span class=\"S354C S27E S2\" id=\"t2y_153\">21.30% </span><span class=\"S354D S27E S2\" id=\"t2z_153\">0.10% </span><span class=\"S354E S27E S2\" id=\"t30_153\">0.50% </span><span class=\"S354F S27E S2\" id=\"t31_153\">0.70% </span><span class=\"S3550 S27E S2\" id=\"t32_153\">1.00% </span><span class=\"S3551 S27E S2\" id=\"t33_153\">1.30% </span><span class=\"S3552 S27E S2\" id=\"t34_153\">1.30% </span><span class=\"S3553 S27E S2\" id=\"t35_153\">1.30% </span><span class=\"S3554 S27E S2\" id=\"t36_153\">2018 </span><span class=\"S3555 S27E S2\" id=\"t37_153\">10,064 </span><span class=\"S3556 S27E S2\" id=\"t38_153\">26.00% </span><span class=\"S3557 S27E S2\" id=\"t39_153\">0.20% </span><span class=\"S3558 S27E S2\" id=\"t3a_153\">0.60% </span><span class=\"S3559 S27E S2\" id=\"t3b_153\">1.00% </span><span class=\"S355A S27E S2\" id=\"t3c_153\">1.30% </span><span class=\"S355B S27E S2\" id=\"t3d_153\">1.60% </span><span class=\"S355C S27E S2\" id=\"t3e_153\">1.90% </span><span class=\"S355D S27E S2\" id=\"t3f_153\">2.10% </span><span class=\"S355E S27E S2\" id=\"t3g_153\">2019 </span><span class=\"S355F S27E S2\" id=\"t3h_153\">12,413 </span><span class=\"S3560 S27E S2\" id=\"t3i_153\">19.20% </span><span class=\"S3561 S27E S2\" id=\"t3j_153\">0.20% </span><span class=\"S3562 S27E S2\" id=\"t3k_153\">0.70% </span><span class=\"S3563 S27E S2\" id=\"t3l_153\">0.90% </span><span class=\"S3564 S27E S2\" id=\"t3m_153\">1.10% </span><span class=\"S3565 S27E S2\" id=\"t3n_153\">1.30% </span><span class=\"S3566 S27E S2\" id=\"t3o_153\">1.40% </span><span class=\"S3567 S27E S2\" id=\"t3p_153\">1.60% </span><span class=\"S3568 S27E S2\" id=\"t3q_153\">2020 </span><span class=\"S3569 S27E S2\" id=\"t3r_153\">11,553 </span><span class=\"S356A S27E S2\" id=\"t3s_153\">33.60% </span><span class=\"S356B S27E S2\" id=\"t3t_153\">0.60% </span><span class=\"S356C S27E S2\" id=\"t3u_153\">0.40% </span><span class=\"S356D S27E S2\" id=\"t3v_153\">0.50% </span><span class=\"S356E S27E S2\" id=\"t3w_153\">0.60% </span><span class=\"S356F S27E S2\" id=\"t3x_153\">0.80% </span><span class=\"S3570 S27E S2\" id=\"t3y_153\">0.90% </span><span class=\"S3571 S27E S2\" id=\"t3z_153\">1.00% </span><span class=\"S3572 S27E S2\" id=\"t40_153\">2021 </span><span class=\"S3573 S27E S2\" id=\"t41_153\">16,644 </span><span class=\"S3574 S27E S2\" id=\"t42_153\">28.60% </span><span class=\"S3575 S27E S2\" id=\"t43_153\">1.00% </span><span class=\"S3576 S27E S2\" id=\"t44_153\">1.60% </span><span class=\"S3577 S27E S2\" id=\"t45_153\">1.80% </span><span class=\"S3578 S27E S2\" id=\"t46_153\">1.90% </span><span class=\"S3579 S27E S2\" id=\"t47_153\">2.00% </span><span class=\"S357A S27E S2\" id=\"t48_153\">2.10% </span><span class=\"S357B S27E S2\" id=\"t49_153\">2.10% </span><span class=\"S357C S27E S2\" id=\"t4a_153\">2022 </span><span class=\"S357D S27E S2\" id=\"t4b_153\">8,912 </span><span class=\"S357E S27E S2\" id=\"t4c_153\">42.60% </span><span class=\"S357F S27E S2\" id=\"t4d_153\">7.10% </span><span class=\"S3580 S27E S2\" id=\"t4e_153\">7.90% </span><span class=\"S3581 S27E S2\" id=\"t4f_153\">7.60% </span><span class=\"S3582 S27E S2\" id=\"t4g_153\">7.30% </span><span class=\"S3583 S27E S2\" id=\"t4h_153\">7.10% </span><span class=\"S3584 S27E S2\" id=\"t4i_153\">7.00% </span><span class=\"S3585 S27E S2\" id=\"t4j_153\">6.90% </span><span class=\"S3586 S27D S2\" id=\"t4k_153\">Year </span><span class=\"S3587 S27D S2\" id=\"t4l_153\">Expected dividends (HUF/Share) </span><span class=\"S3588 S27D S2\" id=\"t4m_153\">Pricing model </span><span class=\"S3589 S27D S2\" id=\"t4n_153\">1 -year </span><span class=\"S358A S27D S2\" id=\"t4o_153\">2-year </span><span class=\"S358B S27D S2\" id=\"t4p_153\">3-year </span><span class=\"S358C S27D S2\" id=\"t4q_153\">4-year </span><span class=\"S358D S27D S2\" id=\"t4r_153\">5-year </span><span class=\"S358E S27D S2\" id=\"t4s_153\">6-year </span><span class=\"S358F S27D S2\" id=\"t4t_153\">7-year </span><span class=\"S3590 S27E S2\" id=\"t4u_153\">2017 </span><span class=\"S3591 S27E S2\" id=\"t4v_153\">219 </span><span class=\"S3592 S27E S2\" id=\"t4w_153\">219 </span><span class=\"S3593 S27E S2\" id=\"t4x_153\">252 </span><span class=\"S3594 S27E S2\" id=\"t4y_153\">290 </span><span class=\"S3595 S27E S2\" id=\"t4z_153\">334 </span><span class=\"S3596 S27E S2\" id=\"t50_153\">384 </span><span class=\"S3597 S27E S2\" id=\"t51_153\">442 </span><span class=\"S3598 S27E S2\" id=\"t52_153\">Binomial </span><span class=\"S3599 S27E S2\" id=\"t53_153\">2018 </span><span class=\"S359A S27E S2\" id=\"t54_153\">219 </span><span class=\"S359B S27E S2\" id=\"t55_153\">219 </span><span class=\"S359C S27E S2\" id=\"t56_153\">219 </span><span class=\"S359D S27E S2\" id=\"t57_153\">219 </span><span class=\"S359E S27E S2\" id=\"t58_153\">219 </span><span class=\"S359F S27E S2\" id=\"t59_153\">219 </span><span class=\"S35A0 S27E S2\" id=\"t5a_153\">219 </span><span class=\"S35A1 S27E S2\" id=\"t5b_153\">Binomial </span><span class=\"S35A2 S27E S2\" id=\"t5c_153\">2019 </span><span class=\"S35A3 S27E S2\" id=\"t5d_153\">252 </span><span class=\"S35A4 S27E S2\" id=\"t5e_153\">290 </span><span class=\"S35A5 S27E S2\" id=\"t5f_153\">333 </span><span class=\"S35A6 S27E S2\" id=\"t5g_153\">383 </span><span class=\"S35A7 S27E S2\" id=\"t5h_153\">440 </span><span class=\"S35A8 S27E S2\" id=\"t5i_153\">507 </span><span class=\"S35A9 S27E S2\" id=\"t5j_153\">583 </span><span class=\"S35AA S27E S2\" id=\"t5k_153\">Binomial </span><span class=\"S35AB S27E S2\" id=\"t5l_153\">2020 </span><span class=\"S35AC S27E S2\" id=\"t5m_153\">219 </span><span class=\"S35AD S27E S2\" id=\"t5n_153\">252 </span><span class=\"S35AE S27E S2\" id=\"t5o_153\">290 </span><span class=\"S35AF S27E S2\" id=\"t5p_153\">333 </span><span class=\"S35B0 S27E S2\" id=\"t5q_153\">383 </span><span class=\"S35B1 S27E S2\" id=\"t5r_153\">440 </span><span class=\"S35B2 S27E S2\" id=\"t5s_153\">507 </span><span class=\"S35B3 S27E S2\" id=\"t5t_153\">Binomial </span><span class=\"S35B4 S27E S2\" id=\"t5u_153\">2021 </span><span class=\"S35B5 S27E S2\" id=\"t5v_153\">371 </span><span class=\"S35B6 S27E S2\" id=\"t5w_153\">321 </span><span class=\"S35B7 S27E S2\" id=\"t5x_153\">357 </span><span class=\"S35B8 S27E S2\" id=\"t5y_153\">393 </span><span class=\"S35B9 S27E S2\" id=\"t5z_153\">432 </span><span class=\"S35BA S27E S2\" id=\"t60_153\">475 </span><span class=\"S35BB S27E S2\" id=\"t61_153\">523 </span><span class=\"S35BC S27E S2\" id=\"t62_153\">Binomial </span><span class=\"S35BD S27E S2\" id=\"t63_153\">2022 </span><span class=\"S35BE S27E S2\" id=\"t64_153\">452 </span><span class=\"S35BF S27E S2\" id=\"t65_153\">497 </span><span class=\"S35C0 S27E S2\" id=\"t66_153\">547 </span><span class=\"S35C1 S27E S2\" id=\"t67_153\">601 </span><span class=\"S35C2 S27E S2\" id=\"t68_153\">661 </span><span class=\"S35C3 S27E S2\" id=\"t69_153\">728 </span><span class=\"S35C4 S27E S2\" id=\"t6a_153\">800 </span><span class=\"S35C5 S27E S2\" id=\"t6b_153\">Binomial </span><span class=\"SFA4 SB S2\" id=\"t3_154\">NOTE 40: </span><span class=\"S10A7 SB S2\" id=\"t4_154\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S35C6 SA7 S2\" id=\"t5_154\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S35C7 SB S2\" id=\"t6_154\">2017 </span><span class=\"S35C8 SA7 S2\" id=\"t7_154\">effective pieces are as follows as at </span><span class=\"S743 SA7 S2\" id=\"t8_154\">31 December 2022: </span><span class=\"S35C9 S27D S2\" id=\"t9_154\">Approved </span><span class=\"S35CA S27D S2\" id=\"ta_154\">pieces of </span><span class=\"S35CB S27D S2\" id=\"tb_154\">shares </span><span class=\"S35CC S27D S2\" id=\"tc_154\">Exercised </span><span class=\"S35CD S27D S2\" id=\"td_154\">until 31 </span><span class=\"S35CE S27D S2\" id=\"te_154\">December </span><span class=\"S35CF S27D S2\" id=\"tf_154\">2022 </span><span class=\"S35D0 S27D S2\" id=\"tg_154\">Weighted average </span><span class=\"S35D1 S27D S2\" id=\"th_154\">share price at the date </span><span class=\"S35D2 S27D S2\" id=\"ti_154\">of exercise (in HUF) </span><span class=\"S35D3 S27D S2\" id=\"tj_154\">Expired </span><span class=\"S35D4 S27D S2\" id=\"tk_154\">pieces </span><span class=\"S35D5 S27D S2\" id=\"tl_154\">Exercisable </span><span class=\"S35D6 S27D S2\" id=\"tm_154\">as at 31 </span><span class=\"S35D7 S27D S2\" id=\"tn_154\">December </span><span class=\"S35D8 S27D S2\" id=\"to_154\">2022 </span><span class=\"S35D9 S27E S2\" id=\"tp_154\">Share purchasing period </span><span class=\"S35DA S27E S2\" id=\"tq_154\">started in 2018 </span><span class=\"S35DB S27E S2\" id=\"tr_154\">108,243 </span><span class=\"S35DC S27E S2\" id=\"ts_154\">108,243 </span><span class=\"S35DD S27E S2\" id=\"tt_154\">11,005 </span><span class=\"S35DE S27E S2\" id=\"tu_154\">- </span><span class=\"S35DF S27E S2\" id=\"tv_154\">- </span><span class=\"S35E0 S27E S2\" id=\"tw_154\">Remuneration exchanged to share </span><span class=\"S35E1 S27E S2\" id=\"tx_154\">provided in 2018 </span><span class=\"S35E2 S27E S2\" id=\"ty_154\">11,926 </span><span class=\"S35E3 S27E S2\" id=\"tz_154\">11,926 </span><span class=\"S35E4 S27E S2\" id=\"t10_154\">10,098 </span><span class=\"S35E5 S27E S2\" id=\"t11_154\">- </span><span class=\"S35E6 S27E S2\" id=\"t12_154\">- </span><span class=\"S35E7 S27E S2\" id=\"t13_154\">Share purchasing period </span><span class=\"S35E8 S27E S2\" id=\"t14_154\">started in 2019 </span><span class=\"S35E9 S27E S2\" id=\"t15_154\">212,282 </span><span class=\"S35EA S27E S2\" id=\"t16_154\">212,282 </span><span class=\"S35EB S27E S2\" id=\"t17_154\">12,096 </span><span class=\"S35EC S27E S2\" id=\"t18_154\">- </span><span class=\"S35ED S27E S2\" id=\"t19_154\">- </span><span class=\"S35EE S27E S2\" id=\"t1a_154\">Remuneration exchanged to share </span><span class=\"S35EF S27E S2\" id=\"t1b_154\">provided in 2019 </span><span class=\"S35F0 S27E S2\" id=\"t1c_154\">26,538 </span><span class=\"S35F1 S27E S2\" id=\"t1d_154\">26,538 </span><span class=\"S35F2 S27E S2\" id=\"t1e_154\">11,813 </span><span class=\"S35F3 S27E S2\" id=\"t1f_154\">- </span><span class=\"S35F4 S27E S2\" id=\"t1g_154\">- </span><span class=\"S35F5 S27E S2\" id=\"t1h_154\">Share purchasing period </span><span class=\"S35F6 S27E S2\" id=\"t1i_154\">started in 2020 </span><span class=\"S35F7 S27E S2\" id=\"t1j_154\">101,571 </span><span class=\"S35F8 S27E S2\" id=\"t1k_154\">101,565 </span><span class=\"S35F9 S27E S2\" id=\"t1l_154\">12,084 </span><span class=\"S35FA S27E S2\" id=\"t1m_154\">6 </span><span class=\"S35FB S27E S2\" id=\"t1n_154\">- </span><span class=\"S35FC S27E S2\" id=\"t1o_154\">Remuneration exchanged to share </span><span class=\"S35FD S27E S2\" id=\"t1p_154\">provided in 2020 </span><span class=\"S35FE S27E S2\" id=\"t1q_154\">11,584 </span><span class=\"S35FF S27E S2\" id=\"t1r_154\">11,584 </span><span class=\"S3600 S27E S2\" id=\"t1s_154\">11,897 </span><span class=\"S3601 S27E S2\" id=\"t1t_154\">- </span><span class=\"S3602 S27E S2\" id=\"t1u_154\">- </span><span class=\"S3603 S27E S2\" id=\"t1v_154\">Share purchasing period </span><span class=\"S3604 S27E S2\" id=\"t1w_154\">started in 2021 </span><span class=\"S3605 S27E S2\" id=\"t1x_154\">109,460 </span><span class=\"S3606 S27E S2\" id=\"t1y_154\">109,460 </span><span class=\"S3607 S27E S2\" id=\"t1z_154\">16,288 </span><span class=\"S3608 S27E S2\" id=\"t20_154\">- </span><span class=\"S3609 S27E S2\" id=\"t21_154\">- </span><span class=\"S360A S27E S2\" id=\"t22_154\">Remuneration exchanged to share </span><span class=\"S360B S27E S2\" id=\"t23_154\">provided in 2021 </span><span class=\"S360C S27E S2\" id=\"t24_154\">11,531 </span><span class=\"S360D S27E S2\" id=\"t25_154\">11,531 </span><span class=\"S360E S27E S2\" id=\"t26_154\">16,477 </span><span class=\"S360F S27E S2\" id=\"t27_154\">- </span><span class=\"S3610 S27E S2\" id=\"t28_154\">- </span><span class=\"S3611 S27E S2\" id=\"t29_154\">Share purchasing period </span><span class=\"S3612 S27E S2\" id=\"t2a_154\">started in 2022 </span><span class=\"S3613 S27E S2\" id=\"t2b_154\">42,820 </span><span class=\"S3614 S27E S2\" id=\"t2c_154\">- </span><span class=\"S3615 S27E S2\" id=\"t2d_154\">- </span><span class=\"S3616 S27E S2\" id=\"t2e_154\">- </span><span class=\"S3617 S27E S2\" id=\"t2f_154\">42,820 </span><span class=\"S3618 S27E S2\" id=\"t2g_154\">Remuneration exchanged to share </span><span class=\"S3619 S27E S2\" id=\"t2h_154\">provided in 2022 </span><span class=\"S361A S27E S2\" id=\"t2i_154\">2,950 </span><span class=\"S361B S27E S2\" id=\"t2j_154\">2,950 </span><span class=\"S361C S27E S2\" id=\"t2k_154\">8,529 </span><span class=\"S361D S27E S2\" id=\"t2l_154\">- </span><span class=\"S361E S27E S2\" id=\"t2m_154\">- </span><span class=\"S361F SA7 S2\" id=\"t2n_154\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S3620 SB S2\" id=\"t2o_154\">2018 </span><span class=\"S3621 SA7 S2\" id=\"t2p_154\">effective pieces are as follows as at </span><span class=\"S3622 SA7 S2\" id=\"t2q_154\">31 December 2022: </span><span class=\"S3623 S27D S2\" id=\"t2r_154\">Approved </span><span class=\"S3624 S27D S2\" id=\"t2s_154\">pieces of </span><span class=\"S3625 S27D S2\" id=\"t2t_154\">shares </span><span class=\"S3626 S27D S2\" id=\"t2u_154\">Exercised </span><span class=\"S3627 S27D S2\" id=\"t2v_154\">until 31 </span><span class=\"S3628 S27D S2\" id=\"t2w_154\">December </span><span class=\"S3629 S27D S2\" id=\"t2x_154\">2022 </span><span class=\"S362A S27D S2\" id=\"t2y_154\">Weighted average </span><span class=\"S362B S27D S2\" id=\"t2z_154\">share price at the date </span><span class=\"S362C S27D S2\" id=\"t30_154\">of exercise (in HUF) </span><span class=\"S362D S27D S2\" id=\"t31_154\">Expired </span><span class=\"S362E S27D S2\" id=\"t32_154\">pieces </span><span class=\"S362F S27D S2\" id=\"t33_154\">Exercisable </span><span class=\"S3630 S27D S2\" id=\"t34_154\">as at 31 </span><span class=\"S3631 S27D S2\" id=\"t35_154\">December </span><span class=\"S3632 S27D S2\" id=\"t36_154\">2022 </span><span class=\"S3633 S27E S2\" id=\"t37_154\">Share purchasing period </span><span class=\"S3634 S27E S2\" id=\"t38_154\">started in 2019 </span><span class=\"S3635 S27E S2\" id=\"t39_154\">82,854 </span><span class=\"S3636 S27E S2\" id=\"t3a_154\">82,854 </span><span class=\"S3637 S27E S2\" id=\"t3b_154\">13,843 </span><span class=\"S3638 S27E S2\" id=\"t3c_154\">- </span><span class=\"S3639 S27E S2\" id=\"t3d_154\">- </span><span class=\"S363A S27E S2\" id=\"t3e_154\">Remuneration exchanged to share </span><span class=\"S363B S27E S2\" id=\"t3f_154\">provided in 2019 </span><span class=\"S363C S27E S2\" id=\"t3g_154\">17,017 </span><span class=\"S363D S27E S2\" id=\"t3h_154\">17,017 </span><span class=\"S363E S27E S2\" id=\"t3i_154\">11,829 </span><span class=\"S363F S27E S2\" id=\"t3j_154\">- </span><span class=\"S3640 S27E S2\" id=\"t3k_154\">- </span><span class=\"S3641 S27E S2\" id=\"t3l_154\">Share purchasing period </span><span class=\"S3642 S27E S2\" id=\"t3m_154\">started in 2020 </span><span class=\"S3643 S27E S2\" id=\"t3n_154\">150,230 </span><span class=\"S3644 S27E S2\" id=\"t3o_154\">150,230 </span><span class=\"S3645 S27E S2\" id=\"t3p_154\">14,294 </span><span class=\"S3646 S27E S2\" id=\"t3q_154\">- </span><span class=\"S3647 S27E S2\" id=\"t3r_154\">- </span><span class=\"S3648 S27E S2\" id=\"t3s_154\">Remuneration exchanged to share </span><span class=\"S3649 S27E S2\" id=\"t3t_154\">provided in 2020 </span><span class=\"S364A S27E S2\" id=\"t3u_154\">33,024 </span><span class=\"S364B S27E S2\" id=\"t3v_154\">33,024 </span><span class=\"S364C S27E S2\" id=\"t3w_154\">11,897 </span><span class=\"S364D S27E S2\" id=\"t3x_154\">- </span><span class=\"S364E S27E S2\" id=\"t3y_154\">- </span><span class=\"S364F S27E S2\" id=\"t3z_154\">Share purchasing period </span><span class=\"S3650 S27E S2\" id=\"t40_154\">started in 2021 </span><span class=\"S3651 S27E S2\" id=\"t41_154\">73,799 </span><span class=\"S3652 S27E S2\" id=\"t42_154\">73,799 </span><span class=\"S3653 S27E S2\" id=\"t43_154\">16,314 </span><span class=\"S3654 S27E S2\" id=\"t44_154\">- </span><span class=\"S3655 S27E S2\" id=\"t45_154\">- </span><span class=\"S3656 S27E S2\" id=\"t46_154\">Remuneration exchanged to share </span><span class=\"S3657 S27E S2\" id=\"t47_154\">provided in 2021 </span><span class=\"S3658 S27E S2\" id=\"t48_154\">14,618 </span><span class=\"S3659 S27E S2\" id=\"t49_154\">14,618 </span><span class=\"S365A S27E S2\" id=\"t4a_154\">16,468 </span><span class=\"S365B S27E S2\" id=\"t4b_154\">- </span><span class=\"S365C S27E S2\" id=\"t4c_154\">- </span><span class=\"S365D S27E S2\" id=\"t4d_154\">Share purchasing period </span><span class=\"S365E S27E S2\" id=\"t4e_154\">started in 2022 </span><span class=\"S365F S27E S2\" id=\"t4f_154\">86,456 </span><span class=\"S3660 S27E S2\" id=\"t4g_154\">- </span><span class=\"S3661 S27E S2\" id=\"t4h_154\">- </span><span class=\"S3662 S27E S2\" id=\"t4i_154\">- </span><span class=\"S3663 S27E S2\" id=\"t4j_154\">86,456 </span><span class=\"S3664 S27E S2\" id=\"t4k_154\">Remuneration exchanged to share </span><span class=\"S3665 S27E S2\" id=\"t4l_154\">provided in 2022 </span><span class=\"S3666 S27E S2\" id=\"t4m_154\">13,858 </span><span class=\"S3667 S27E S2\" id=\"t4n_154\">13,858 </span><span class=\"S3668 S27E S2\" id=\"t4o_154\">8,529 </span><span class=\"S3669 S27E S2\" id=\"t4p_154\">- </span><span class=\"S366A S27E S2\" id=\"t4q_154\">- </span><span class=\"S366B S27E S2\" id=\"t4r_154\">Share purchasing period </span><span class=\"S366C S27E S2\" id=\"t4s_154\">starting in 2023 </span><span class=\"S366D S27E S2\" id=\"t4t_154\">- </span><span class=\"S366E S27E S2\" id=\"t4u_154\">- </span><span class=\"S366F S27E S2\" id=\"t4v_154\">- </span><span class=\"S3670 S27E S2\" id=\"t4w_154\">- </span><span class=\"S3671 S27E S2\" id=\"t4x_154\">45,155 </span><span class=\"S3672 S27E S2\" id=\"t4y_154\">Remuneration exchanged to share </span><span class=\"S3673 S27E S2\" id=\"t4z_154\">applying in 2023 </span><span class=\"S3674 S27E S2\" id=\"t50_154\">- </span><span class=\"S3675 S27E S2\" id=\"t51_154\">- </span><span class=\"S3676 S27E S2\" id=\"t52_154\">- </span><span class=\"S3677 S27E S2\" id=\"t53_154\">- </span><span class=\"S3678 S27E S2\" id=\"t54_154\">4,114 </span><span class=\"S3679 S27E S2\" id=\"t55_154\">Remuneration exchanged to share </span><span class=\"S367A S27E S2\" id=\"t56_154\">applying in 2024 </span><span class=\"S367B S27E S2\" id=\"t57_154\">- </span><span class=\"S367C S27E S2\" id=\"t58_154\">- </span><span class=\"S367D S27E S2\" id=\"t59_154\">- </span><span class=\"S367E S27E S2\" id=\"t5a_154\">- </span><span class=\"S367F S27E S2\" id=\"t5b_154\">864 </span><span class=\"S3680 S27E S2\" id=\"t5c_154\">Remuneration exchanged to share </span><span class=\"S3681 S27E S2\" id=\"t5d_154\">applying in 2025 </span><span class=\"S3682 S27E S2\" id=\"t5e_154\">- </span><span class=\"S3683 S27E S2\" id=\"t5f_154\">- </span><span class=\"S3684 S27E S2\" id=\"t5g_154\">- </span><span class=\"S3685 S27E S2\" id=\"t5h_154\">- </span><span class=\"S3686 S27E S2\" id=\"t5i_154\">432 </span><span class=\"SFA4 SB S2\" id=\"t3_155\">NOTE 40: </span><span class=\"S10A7 SB S2\" id=\"t4_155\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S35C6 SA7 S2\" id=\"t5_155\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S3687 SB S2\" id=\"t6_155\">2019 </span><span class=\"S35C8 SA7 S2\" id=\"t7_155\">effective pieces are as follows as at </span><span class=\"S3688 SA7 S2\" id=\"t8_155\">31 December 2022: </span><span class=\"S35C9 S27D S2\" id=\"t9_155\">Approved </span><span class=\"S35CA S27D S2\" id=\"ta_155\">pieces of </span><span class=\"S35CB S27D S2\" id=\"tb_155\">shares </span><span class=\"S35CC S27D S2\" id=\"tc_155\">Exercised </span><span class=\"S35CD S27D S2\" id=\"td_155\">until 31 </span><span class=\"S35CE S27D S2\" id=\"te_155\">December </span><span class=\"S35CF S27D S2\" id=\"tf_155\">2022 </span><span class=\"S35D0 S27D S2\" id=\"tg_155\">Weighted average </span><span class=\"S35D1 S27D S2\" id=\"th_155\">share price at the date </span><span class=\"S35D2 S27D S2\" id=\"ti_155\">of exercise (in HUF) </span><span class=\"S35D3 S27D S2\" id=\"tj_155\">Expired </span><span class=\"S35D4 S27D S2\" id=\"tk_155\">pieces </span><span class=\"S35D5 S27D S2\" id=\"tl_155\">Exercisable </span><span class=\"S35D6 S27D S2\" id=\"tm_155\">as at 31 </span><span class=\"S35D7 S27D S2\" id=\"tn_155\">December </span><span class=\"S35D8 S27D S2\" id=\"to_155\">2022 </span><span class=\"S35D9 S27E S2\" id=\"tp_155\">Share purchasing period </span><span class=\"S35DA S27E S2\" id=\"tq_155\">started in 2020 </span><span class=\"S3689 S27E S2\" id=\"tr_155\">91,403 </span><span class=\"S368A S27E S2\" id=\"ts_155\">91,403 </span><span class=\"S35DD S27E S2\" id=\"tt_155\">12,218 </span><span class=\"S35DE S27E S2\" id=\"tu_155\">- </span><span class=\"S35DF S27E S2\" id=\"tv_155\">- </span><span class=\"S35E0 S27E S2\" id=\"tw_155\">Remuneration exchanged to share </span><span class=\"S368B S27E S2\" id=\"tx_155\">provided in 2020 </span><span class=\"S35E2 S27E S2\" id=\"ty_155\">22,806 </span><span class=\"S35E3 S27E S2\" id=\"tz_155\">22,806 </span><span class=\"S35E4 S27E S2\" id=\"t10_155\">11,897 </span><span class=\"S35E5 S27E S2\" id=\"t11_155\">- </span><span class=\"S35E6 S27E S2\" id=\"t12_155\">- </span><span class=\"S35E7 S27E S2\" id=\"t13_155\">Share purchasing period </span><span class=\"S35E8 S27E S2\" id=\"t14_155\">started in 2021 </span><span class=\"S35E9 S27E S2\" id=\"t15_155\">201,273 </span><span class=\"S35EA S27E S2\" id=\"t16_155\">201,273 </span><span class=\"S35EB S27E S2\" id=\"t17_155\">16,298 </span><span class=\"S35EC S27E S2\" id=\"t18_155\">- </span><span class=\"S35ED S27E S2\" id=\"t19_155\">- </span><span class=\"S35EE S27E S2\" id=\"t1a_155\">Remuneration exchanged to share </span><span class=\"S35EF S27E S2\" id=\"t1b_155\">provided in 2021 </span><span class=\"S35F0 S27E S2\" id=\"t1c_155\">30,834 </span><span class=\"S35F1 S27E S2\" id=\"t1d_155\">30,834 </span><span class=\"S35F2 S27E S2\" id=\"t1e_155\">17,618 </span><span class=\"S35F3 S27E S2\" id=\"t1f_155\">- </span><span class=\"S35F4 S27E S2\" id=\"t1g_155\">- </span><span class=\"S35F5 S27E S2\" id=\"t1h_155\">Share purchasing period </span><span class=\"S35F6 S27E S2\" id=\"t1i_155\">started in 2022 </span><span class=\"S35F7 S27E S2\" id=\"t1j_155\">107,760 </span><span class=\"S368C S27E S2\" id=\"t1k_155\">- </span><span class=\"S368D S27E S2\" id=\"t1l_155\">- </span><span class=\"S368E S27E S2\" id=\"t1m_155\">1,335 </span><span class=\"S368F S27E S2\" id=\"t1n_155\">106,425 </span><span class=\"S35FC S27E S2\" id=\"t1o_155\">Remuneration exchanged to share </span><span class=\"S35FD S27E S2\" id=\"t1p_155\">provided in 2022 </span><span class=\"S35FE S27E S2\" id=\"t1q_155\">10,564 </span><span class=\"S35FF S27E S2\" id=\"t1r_155\">10,564 </span><span class=\"S3690 S27E S2\" id=\"t1s_155\">8,529 </span><span class=\"S3601 S27E S2\" id=\"t1t_155\">- </span><span class=\"S3602 S27E S2\" id=\"t1u_155\">- </span><span class=\"S3603 S27E S2\" id=\"t1v_155\">Share purchasing period </span><span class=\"S3604 S27E S2\" id=\"t1w_155\">starting in 2023 </span><span class=\"S3691 S27E S2\" id=\"t1x_155\">- </span><span class=\"S3692 S27E S2\" id=\"t1y_155\">- </span><span class=\"S3693 S27E S2\" id=\"t1z_155\">- </span><span class=\"S3608 S27E S2\" id=\"t20_155\">- </span><span class=\"S3694 S27E S2\" id=\"t21_155\">125,771 </span><span class=\"S360A S27E S2\" id=\"t22_155\">Remuneration exchanged to share </span><span class=\"S360B S27E S2\" id=\"t23_155\">applying in 2023 </span><span class=\"S3695 S27E S2\" id=\"t24_155\">- </span><span class=\"S3696 S27E S2\" id=\"t25_155\">- </span><span class=\"S3697 S27E S2\" id=\"t26_155\">- </span><span class=\"S360F S27E S2\" id=\"t27_155\">- </span><span class=\"S3698 S27E S2\" id=\"t28_155\">18,025 </span><span class=\"S3611 S27E S2\" id=\"t29_155\">Share purchasing period </span><span class=\"S3612 S27E S2\" id=\"t2a_155\">starting in 2024 </span><span class=\"S3699 S27E S2\" id=\"t2b_155\">- </span><span class=\"S3614 S27E S2\" id=\"t2c_155\">- </span><span class=\"S3615 S27E S2\" id=\"t2d_155\">- </span><span class=\"S3616 S27E S2\" id=\"t2e_155\">- </span><span class=\"S3617 S27E S2\" id=\"t2f_155\">44,421 </span><span class=\"S3618 S27E S2\" id=\"t2g_155\">Remuneration exchanged to share </span><span class=\"S3619 S27E S2\" id=\"t2h_155\">applying in 2024 </span><span class=\"S369A S27E S2\" id=\"t2i_155\">- </span><span class=\"S369B S27E S2\" id=\"t2j_155\">- </span><span class=\"S369C S27E S2\" id=\"t2k_155\">- </span><span class=\"S361D S27E S2\" id=\"t2l_155\">- </span><span class=\"S369D S27E S2\" id=\"t2m_155\">6,279 </span><span class=\"S369E S27E S2\" id=\"t2n_155\">Remuneration exchanged to share </span><span class=\"S369F S27E S2\" id=\"t2o_155\">applying in 2025 </span><span class=\"S36A0 S27E S2\" id=\"t2p_155\">- </span><span class=\"S36A1 S27E S2\" id=\"t2q_155\">- </span><span class=\"S36A2 S27E S2\" id=\"t2r_155\">- </span><span class=\"S36A3 S27E S2\" id=\"t2s_155\">- </span><span class=\"S36A4 S27E S2\" id=\"t2t_155\">1,000 </span><span class=\"S36A5 S27E S2\" id=\"t2u_155\">Remuneration exchanged to share </span><span class=\"S36A6 S27E S2\" id=\"t2v_155\">applying in 2026 </span><span class=\"S36A7 S27E S2\" id=\"t2w_155\">- </span><span class=\"S36A8 S27E S2\" id=\"t2x_155\">- </span><span class=\"S36A9 S27E S2\" id=\"t2y_155\">- </span><span class=\"S36AA S27E S2\" id=\"t2z_155\">- </span><span class=\"S36AB S27E S2\" id=\"t30_155\">500 </span><span class=\"S36AC SA7 S2\" id=\"t31_155\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S36AD SB S2\" id=\"t32_155\">2020 </span><span class=\"S36AE SA7 S2\" id=\"t33_155\">effective pieces are as follows as at </span><span class=\"S36AF SA7 S2\" id=\"t34_155\">31 December 2022: </span><span class=\"S36B0 S27D S2\" id=\"t35_155\">Approved </span><span class=\"S36B1 S27D S2\" id=\"t36_155\">pieces of </span><span class=\"S36B2 S27D S2\" id=\"t37_155\">shares </span><span class=\"S36B3 S27D S2\" id=\"t38_155\">Exercised </span><span class=\"S36B4 S27D S2\" id=\"t39_155\">until 31 </span><span class=\"S36B5 S27D S2\" id=\"t3a_155\">December </span><span class=\"S36B6 S27D S2\" id=\"t3b_155\">2022 </span><span class=\"S36B7 S27D S2\" id=\"t3c_155\">Weighted average </span><span class=\"S36B8 S27D S2\" id=\"t3d_155\">share price at the date </span><span class=\"S36B9 S27D S2\" id=\"t3e_155\">of exercise (in HUF) </span><span class=\"S36BA S27D S2\" id=\"t3f_155\">Expired </span><span class=\"S36BB S27D S2\" id=\"t3g_155\">pieces </span><span class=\"S36BC S27D S2\" id=\"t3h_155\">Exercisable </span><span class=\"S36BD S27D S2\" id=\"t3i_155\">as at 31 </span><span class=\"S36BE S27D S2\" id=\"t3j_155\">December </span><span class=\"S36BF S27D S2\" id=\"t3k_155\">2022 </span><span class=\"S3641 S27E S2\" id=\"t3l_155\">Share purchasing period </span><span class=\"S3642 S27E S2\" id=\"t3m_155\">started in 2021 </span><span class=\"S36C0 S27E S2\" id=\"t3n_155\">41,098 </span><span class=\"S36C1 S27E S2\" id=\"t3o_155\">14,142 </span><span class=\"S3645 S27E S2\" id=\"t3p_155\">17,997 </span><span class=\"S36C2 S27E S2\" id=\"t3q_155\">26,956 </span><span class=\"S3647 S27E S2\" id=\"t3r_155\">- </span><span class=\"S3648 S27E S2\" id=\"t3s_155\">Remuneration exchanged to share </span><span class=\"S36C3 S27E S2\" id=\"t3t_155\">provided in 2021 </span><span class=\"S364A S27E S2\" id=\"t3u_155\">17,881 </span><span class=\"S364B S27E S2\" id=\"t3v_155\">17,881 </span><span class=\"S364C S27E S2\" id=\"t3w_155\">17,498 </span><span class=\"S364D S27E S2\" id=\"t3x_155\">- </span><span class=\"S364E S27E S2\" id=\"t3y_155\">- </span><span class=\"S364F S27E S2\" id=\"t3z_155\">Share purchasing period </span><span class=\"S3650 S27E S2\" id=\"t40_155\">started in 2022 </span><span class=\"S3651 S27E S2\" id=\"t41_155\">83,688 </span><span class=\"S36C4 S27E S2\" id=\"t42_155\">- </span><span class=\"S36C5 S27E S2\" id=\"t43_155\">- </span><span class=\"S36C6 S27E S2\" id=\"t44_155\">1,288 </span><span class=\"S36C7 S27E S2\" id=\"t45_155\">82,400 </span><span class=\"S3656 S27E S2\" id=\"t46_155\">Remuneration exchanged to share </span><span class=\"S3657 S27E S2\" id=\"t47_155\">provided in 2022 </span><span class=\"S3658 S27E S2\" id=\"t48_155\">15,232 </span><span class=\"S3659 S27E S2\" id=\"t49_155\">14,743 </span><span class=\"S36C8 S27E S2\" id=\"t4a_155\">8,529 </span><span class=\"S365B S27E S2\" id=\"t4b_155\">- </span><span class=\"S36C9 S27E S2\" id=\"t4c_155\">489 </span><span class=\"S365D S27E S2\" id=\"t4d_155\">Share purchasing period </span><span class=\"S365E S27E S2\" id=\"t4e_155\">starting in 2023 </span><span class=\"S36CA S27E S2\" id=\"t4f_155\">- </span><span class=\"S3660 S27E S2\" id=\"t4g_155\">- </span><span class=\"S3661 S27E S2\" id=\"t4h_155\">- </span><span class=\"S3662 S27E S2\" id=\"t4i_155\">- </span><span class=\"S3663 S27E S2\" id=\"t4j_155\">47,826 </span><span class=\"S3664 S27E S2\" id=\"t4k_155\">Remuneration exchanged to share </span><span class=\"S36CB S27E S2\" id=\"t4l_155\">applying in 2023 </span><span class=\"S36CC S27E S2\" id=\"t4m_155\">- </span><span class=\"S36CD S27E S2\" id=\"t4n_155\">- </span><span class=\"S36CE S27E S2\" id=\"t4o_155\">- </span><span class=\"S3669 S27E S2\" id=\"t4p_155\">- </span><span class=\"S36CF S27E S2\" id=\"t4q_155\">9,292 </span><span class=\"S366B S27E S2\" id=\"t4r_155\">Share purchasing period </span><span class=\"S366C S27E S2\" id=\"t4s_155\">starting in 2024 </span><span class=\"S366D S27E S2\" id=\"t4t_155\">- </span><span class=\"S366E S27E S2\" id=\"t4u_155\">- </span><span class=\"S366F S27E S2\" id=\"t4v_155\">- </span><span class=\"S3670 S27E S2\" id=\"t4w_155\">- </span><span class=\"S3671 S27E S2\" id=\"t4x_155\">51,002 </span><span class=\"S3672 S27E S2\" id=\"t4y_155\">Remuneration exchanged to share </span><span class=\"S3673 S27E S2\" id=\"t4z_155\">applying in 2024 </span><span class=\"S3674 S27E S2\" id=\"t50_155\">- </span><span class=\"S3675 S27E S2\" id=\"t51_155\">- </span><span class=\"S3676 S27E S2\" id=\"t52_155\">- </span><span class=\"S3677 S27E S2\" id=\"t53_155\">- </span><span class=\"S36D0 S27E S2\" id=\"t54_155\">9,518 </span><span class=\"S3679 S27E S2\" id=\"t55_155\">Share purchasing period </span><span class=\"S36D1 S27E S2\" id=\"t56_155\">starting in 2025 </span><span class=\"S367B S27E S2\" id=\"t57_155\">- </span><span class=\"S367C S27E S2\" id=\"t58_155\">- </span><span class=\"S367D S27E S2\" id=\"t59_155\">- </span><span class=\"S367E S27E S2\" id=\"t5a_155\">- </span><span class=\"S36D2 S27E S2\" id=\"t5b_155\">13,080 </span><span class=\"S3680 S27E S2\" id=\"t5c_155\">Remuneration exchanged to share </span><span class=\"S3681 S27E S2\" id=\"t5d_155\">applying in 2025 </span><span class=\"S3682 S27E S2\" id=\"t5e_155\">- </span><span class=\"S3683 S27E S2\" id=\"t5f_155\">- </span><span class=\"S3684 S27E S2\" id=\"t5g_155\">- </span><span class=\"S3685 S27E S2\" id=\"t5h_155\">- </span><span class=\"S36D3 S27E S2\" id=\"t5i_155\">3,443 </span><span class=\"S36D4 S27E S2\" id=\"t5j_155\">Remuneration exchanged to share </span><span class=\"S36D5 S27E S2\" id=\"t5k_155\">applying in 2026 </span><span class=\"S36D6 S27E S2\" id=\"t5l_155\">- </span><span class=\"S36D7 S27E S2\" id=\"t5m_155\">- </span><span class=\"S36D8 S27E S2\" id=\"t5n_155\">- </span><span class=\"S36D9 S27E S2\" id=\"t5o_155\">- </span><span class=\"S36DA S27E S2\" id=\"t5p_155\">680 </span><span class=\"S36DB S27E S2\" id=\"t5q_155\">Remuneration exchanged to share </span><span class=\"S36DC S27E S2\" id=\"t5r_155\">applying in 2027 </span><span class=\"S36DD S27E S2\" id=\"t5s_155\">- </span><span class=\"S36DE S27E S2\" id=\"t5t_155\">- </span><span class=\"S36DF S27E S2\" id=\"t5u_155\">- </span><span class=\"S36E0 S27E S2\" id=\"t5v_155\">- </span><span class=\"S36E1 S27E S2\" id=\"t5w_155\">680 </span><span class=\"SFA4 SB S2\" id=\"t3_156\">NOTE 40: </span><span class=\"S1051 SB S2\" id=\"t4_156\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S35C6 SA7 S2\" id=\"t5_156\">Based on parameters accepted by Supervisory Board relating to the year </span><span class=\"S3687 SB S2\" id=\"t6_156\">2021 </span><span class=\"S35C8 SA7 S2\" id=\"t7_156\">effective pieces are as follows as at </span><span class=\"S3688 SA7 S2\" id=\"t8_156\">31 December 2022: </span><span class=\"S35C9 S27D S2\" id=\"t9_156\">Approved </span><span class=\"S35CA S27D S2\" id=\"ta_156\">pieces of </span><span class=\"S35CB S27D S2\" id=\"tb_156\">shares </span><span class=\"S35CC S27D S2\" id=\"tc_156\">Exercised </span><span class=\"S35CD S27D S2\" id=\"td_156\">until 31 </span><span class=\"S35CE S27D S2\" id=\"te_156\">December </span><span class=\"S35CF S27D S2\" id=\"tf_156\">2022 </span><span class=\"S35D0 S27D S2\" id=\"tg_156\">Weighted average </span><span class=\"S36E2 S27D S2\" id=\"th_156\">share price at the date </span><span class=\"S35D2 S27D S2\" id=\"ti_156\">of exercise (in HUF) </span><span class=\"S35D3 S27D S2\" id=\"tj_156\">Expired </span><span class=\"S35D4 S27D S2\" id=\"tk_156\">pieces </span><span class=\"S35D5 S27D S2\" id=\"tl_156\">Exercisable </span><span class=\"S35D6 S27D S2\" id=\"tm_156\">as at 31 </span><span class=\"S35D7 S27D S2\" id=\"tn_156\">December </span><span class=\"S35D8 S27D S2\" id=\"to_156\">2022 </span><span class=\"S35D9 S27E S2\" id=\"tp_156\">Share purchasing period </span><span class=\"S35DA S27E S2\" id=\"tq_156\">started in 2022 </span><span class=\"S3689 S27E S2\" id=\"tr_156\">60,018 </span><span class=\"S368A S27E S2\" id=\"ts_156\">59,776 </span><span class=\"S35DD S27E S2\" id=\"tt_156\">10,122 </span><span class=\"S36E3 S27E S2\" id=\"tu_156\">242 </span><span class=\"S35DF S27E S2\" id=\"tv_156\">- </span><span class=\"S35E0 S27E S2\" id=\"tw_156\">Remuneration exchanged to share </span><span class=\"S35E1 S27E S2\" id=\"tx_156\">provided in 2022 </span><span class=\"S35E2 S27E S2\" id=\"ty_156\">11,028 </span><span class=\"S35E3 S27E S2\" id=\"tz_156\">10,708 </span><span class=\"S36E4 S27E S2\" id=\"t10_156\">8,537 </span><span class=\"S35E5 S27E S2\" id=\"t11_156\">- </span><span class=\"S36E5 S27E S2\" id=\"t12_156\">320 </span><span class=\"S35E7 S27E S2\" id=\"t13_156\">Share purchasing period </span><span class=\"S35E8 S27E S2\" id=\"t14_156\">starting in 2023 </span><span class=\"S36E6 S27E S2\" id=\"t15_156\">- </span><span class=\"S36E7 S27E S2\" id=\"t16_156\">- </span><span class=\"S36E8 S27E S2\" id=\"t17_156\">- </span><span class=\"S35EC S27E S2\" id=\"t18_156\">- </span><span class=\"S36E9 S27E S2\" id=\"t19_156\">117,276 </span><span class=\"S35EE S27E S2\" id=\"t1a_156\">Remuneration exchanged to share </span><span class=\"S35EF S27E S2\" id=\"t1b_156\">applying in 2023 </span><span class=\"S36EA S27E S2\" id=\"t1c_156\">- </span><span class=\"S36EB S27E S2\" id=\"t1d_156\">- </span><span class=\"S36EC S27E S2\" id=\"t1e_156\">- </span><span class=\"S35F3 S27E S2\" id=\"t1f_156\">- </span><span class=\"S36ED S27E S2\" id=\"t1g_156\">10,824 </span><span class=\"S35F5 S27E S2\" id=\"t1h_156\">Share purchasing period </span><span class=\"S35F6 S27E S2\" id=\"t1i_156\">starting in 2024 </span><span class=\"S36EE S27E S2\" id=\"t1j_156\">- </span><span class=\"S368C S27E S2\" id=\"t1k_156\">- </span><span class=\"S368D S27E S2\" id=\"t1l_156\">- </span><span class=\"S36EF S27E S2\" id=\"t1m_156\">- </span><span class=\"S36F0 S27E S2\" id=\"t1n_156\">50,829 </span><span class=\"S35FC S27E S2\" id=\"t1o_156\">Remuneration exchanged to share </span><span class=\"S35FD S27E S2\" id=\"t1p_156\">applying in 2024 </span><span class=\"S36F1 S27E S2\" id=\"t1q_156\">- </span><span class=\"S36F2 S27E S2\" id=\"t1r_156\">- </span><span class=\"S36F3 S27E S2\" id=\"t1s_156\">- </span><span class=\"S3601 S27E S2\" id=\"t1t_156\">- </span><span class=\"S36F4 S27E S2\" id=\"t1u_156\">4,942 </span><span class=\"S3603 S27E S2\" id=\"t1v_156\">Share purchasing period </span><span class=\"S3604 S27E S2\" id=\"t1w_156\">starting in 2025 </span><span class=\"S3691 S27E S2\" id=\"t1x_156\">- </span><span class=\"S3692 S27E S2\" id=\"t1y_156\">- </span><span class=\"S3693 S27E S2\" id=\"t1z_156\">- </span><span class=\"S3608 S27E S2\" id=\"t20_156\">- </span><span class=\"S36F5 S27E S2\" id=\"t21_156\">54,324 </span><span class=\"S360A S27E S2\" id=\"t22_156\">Remuneration exchanged to share </span><span class=\"S360B S27E S2\" id=\"t23_156\">applying in 2025 </span><span class=\"S3695 S27E S2\" id=\"t24_156\">- </span><span class=\"S3696 S27E S2\" id=\"t25_156\">- </span><span class=\"S3697 S27E S2\" id=\"t26_156\">- </span><span class=\"S360F S27E S2\" id=\"t27_156\">- </span><span class=\"S36F6 S27E S2\" id=\"t28_156\">4,942 </span><span class=\"S3611 S27E S2\" id=\"t29_156\">Share purchasing period </span><span class=\"S36F7 S27E S2\" id=\"t2a_156\">starting in 2026 </span><span class=\"S3699 S27E S2\" id=\"t2b_156\">- </span><span class=\"S3614 S27E S2\" id=\"t2c_156\">- </span><span class=\"S3615 S27E S2\" id=\"t2d_156\">- </span><span class=\"S3616 S27E S2\" id=\"t2e_156\">- </span><span class=\"S3617 S27E S2\" id=\"t2f_156\">58,222 </span><span class=\"S3618 S27E S2\" id=\"t2g_156\">Remuneration exchanged to share </span><span class=\"S3619 S27E S2\" id=\"t2h_156\">applying in 2026 </span><span class=\"S369A S27E S2\" id=\"t2i_156\">- </span><span class=\"S369B S27E S2\" id=\"t2j_156\">- </span><span class=\"S369C S27E S2\" id=\"t2k_156\">- </span><span class=\"S361D S27E S2\" id=\"t2l_156\">- </span><span class=\"S36F8 S27E S2\" id=\"t2m_156\">4,942 </span><span class=\"S369E S27E S2\" id=\"t2n_156\">Share purchasing period </span><span class=\"S36F9 S27E S2\" id=\"t2o_156\">starting in 2027 </span><span class=\"S36A0 S27E S2\" id=\"t2p_156\">- </span><span class=\"S36A1 S27E S2\" id=\"t2q_156\">- </span><span class=\"S36A2 S27E S2\" id=\"t2r_156\">- </span><span class=\"S36A3 S27E S2\" id=\"t2s_156\">- </span><span class=\"S36FA S27E S2\" id=\"t2t_156\">25,305 </span><span class=\"S36A5 S27E S2\" id=\"t2u_156\">Remuneration exchanged to share </span><span class=\"S36A6 S27E S2\" id=\"t2v_156\">applying in 2027 </span><span class=\"S36A7 S27E S2\" id=\"t2w_156\">- </span><span class=\"S36A8 S27E S2\" id=\"t2x_156\">- </span><span class=\"S36A9 S27E S2\" id=\"t2y_156\">- </span><span class=\"S36AA S27E S2\" id=\"t2z_156\">- </span><span class=\"S36FB S27E S2\" id=\"t30_156\">631 </span><span class=\"S36FC SA7 S2\" id=\"t31_156\">Effective pieces relating to the periods starting in 2023-2027 settled during valuation of performance of year 2018- </span><span class=\"S36FD SA7 S2\" id=\"t32_156\">2021, can be modified based on risk assessment and personal changes. </span><span class=\"S36FE SA7 S2\" id=\"t33_156\">In connection with the share-based compensation for Board of Directors and connecting compensation, shares </span><span class=\"S36FF SA7 S2\" id=\"t34_156\">given as a part of payments detailed above and for the year 2022 based on performance assessment accounted as </span><span class=\"S3700 SA7 S2\" id=\"t35_156\">equity-settled share-based transactions, HUF 2,948 million and HUF 3,589 million was recognized as expense for </span><span class=\"S3701 SA7 S2\" id=\"t36_156\">the year ended 31 December 2022 and 2021 respectively. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f18990": {
   "value": "<span class=\"S3702 SB S2\" id=\"t37_156\">Defined benefit plan </span><span class=\"S3703 SA7 S2\" id=\"t38_156\">Defined benefit plan is post</span><span class=\"S3704 S370C S2\" id=\"t39_156\">\u2011</span><span class=\"S3705 SA7 S2\" id=\"t3a_156\">employment benefit plans other than defined contribution plan. The Group's net </span><span class=\"S3706 SA7 S2\" id=\"t3b_156\">obligation is calculated by estimating the amount of employee's future benefit based on their servicies for the </span><span class=\"S3707 SA7 S2\" id=\"t3c_156\">current and prior periods. The future value of benefit is being discounted to present value. </span><span class=\"S3708 SA7 S2\" id=\"t3d_156\">The Group has small number of plans and mainly in Bulgaria, Serbia, Montenegro, Croatia and Slovenia. These </span><span class=\"S3709 SA7 S2\" id=\"t3e_156\">plans are providing retirement benefits upon pension age as lump-sum payment based either on fixed amounts or </span><span class=\"S370A SA7 S2\" id=\"t3f_156\">certain months of salary. </span><span class=\"S370B SA7 S2\" id=\"t3g_156\">These plans are unfunded consequently there are no significant plan assets associated with these plans. </span><span class=\"S2AB8 SB S2\" id=\"t3_157\">NOTE 40: </span><span class=\"S10A7 SB S2\" id=\"t4_157\">SHARE-BASED PAYMENTS AND EMPLOYEE BENEFITS (in HUF mn) [continued] </span><span class=\"S370D SB S2\" id=\"t5_157\">Defined benefit plan [continued] </span><span class=\"S8AC SA7 S2\" id=\"t6_157\">The movements of defined benefit obligation can be summarized as follows: </span><span class=\"SE8E SB S2\" id=\"t7_157\">2022 </span><span class=\"SE8F SB S2\" id=\"t8_157\">2021 </span><span class=\"SFF5 SB S2\" id=\"t9_157\">Balance as at 1 January </span><span class=\"SFF6 SB S2\" id=\"ta_157\">5,264 </span><span class=\"SFF7 SB S2\" id=\"tb_157\">5,022 </span><span class=\"S370E SA7 S2\" id=\"tc_157\">Current service cost </span><span class=\"S370F SA7 S2\" id=\"td_157\">432 </span><span class=\"S245D SA7 S2\" id=\"te_157\">457 </span><span class=\"S3710 SA7 S2\" id=\"tf_157\">Interest cost </span><span class=\"S3711 SA7 S2\" id=\"tg_157\">105 </span><span class=\"S3712 SA7 S2\" id=\"th_157\">61 </span><span class=\"S3713 SA7 S2\" id=\"ti_157\">Actuarial gains from changes </span><span class=\"S3714 SA7 S2\" id=\"tj_157\">in demographic assumptions </span><span class=\"S3715 SA7 S2\" id=\"tk_157\">(110) </span><span class=\"S3716 SA7 S2\" id=\"tl_157\">(6) </span><span class=\"S1004 SA7 S2\" id=\"tm_157\">Actuarial gains from </span><span class=\"S3717 SA7 S2\" id=\"tn_157\">changes in financial assumptions </span><span class=\"S3718 SA7 S2\" id=\"to_157\">(1,179) </span><span class=\"S3719 SA7 S2\" id=\"tp_157\">(122) </span><span class=\"S371A SA7 S2\" id=\"tq_157\">Benefits paid </span><span class=\"S371B SA7 S2\" id=\"tr_157\">(271) </span><span class=\"S371C SA7 S2\" id=\"ts_157\">(225) </span><span class=\"S371D SA7 S2\" id=\"tt_157\">Past service cost </span><span class=\"S371E SA7 S2\" id=\"tu_157\">47 </span><span class=\"S371F SA7 S2\" id=\"tv_157\">(164) </span><span class=\"S3720 SA7 S2\" id=\"tw_157\">Other decreases (-) / increases (+) </span><span class=\"S3721 SA7 S2\" id=\"tx_157\">(19) </span><span class=\"S3722 SA7 S2\" id=\"ty_157\">252 </span><span class=\"S3723 SA7 S2\" id=\"tz_157\">Revaluation difference </span><span class=\"S3724 SA7 S2\" id=\"t10_157\">459 </span><span class=\"S3725 SA7 S2\" id=\"t11_157\">(11) </span><span class=\"S3726 SB S2\" id=\"t12_157\">Closing balance </span><span class=\"S1835 SB S2\" id=\"t13_157\">4,728 </span><span class=\"S1836 SB S2\" id=\"t14_157\">5,264 </span><span class=\"S3727 SB S2\" id=\"t15_157\">Amounts recognized in profit and loss </span><span class=\"S1BA1 SB S2\" id=\"t16_157\">2022 </span><span class=\"S1BA2 SB S2\" id=\"t17_157\">2021 </span><span class=\"S3728 SA7 S2\" id=\"t18_157\">Current service cost </span><span class=\"S3729 SA7 S2\" id=\"t19_157\">432 </span><span class=\"S372A SA7 S2\" id=\"t1a_157\">457 </span><span class=\"S1432 SA7 S2\" id=\"t1b_157\">Net interest expense </span><span class=\"S372B SA7 S2\" id=\"t1c_157\">105 </span><span class=\"S372C SA7 S2\" id=\"t1d_157\">61 </span><span class=\"S1BCC SA7 S2\" id=\"t1e_157\">Past service cost </span><span class=\"S372D SA7 S2\" id=\"t1f_157\">47 </span><span class=\"S372E SA7 S2\" id=\"t1g_157\">(164) </span><span class=\"S372F SA7 S2\" id=\"t1h_157\">Actuarial losses </span><span class=\"S3730 SA7 S2\" id=\"t1i_157\">(288) </span><span class=\"S3731 SA7 S2\" id=\"t1j_157\">(78) </span><span class=\"S3732 SA7 S2\" id=\"t1k_157\">Other cost </span><span class=\"S3733 SA7 S2\" id=\"t1l_157\">(129) </span><span class=\"S3734 SA7 S2\" id=\"t1m_157\">44 </span><span class=\"S3735 SB S2\" id=\"t1n_157\">Total </span><span class=\"S3736 SB S2\" id=\"t1o_157\">167 </span><span class=\"S3737 SB S2\" id=\"t1p_157\">320 </span><span class=\"S3738 SB S2\" id=\"t1q_157\">Maturity analysis of the present value of defined </span><span class=\"S3739 SB S2\" id=\"t1r_157\">2022 </span><span class=\"S373A SB S2\" id=\"t1s_157\">2021 </span><span class=\"S373B SB S2\" id=\"t1t_157\">benefit obligations </span><span class=\"S373C SA7 S2\" id=\"t1u_157\">Within one year </span><span class=\"S373D SA7 S2\" id=\"t1v_157\">575 </span><span class=\"S373E SA7 S2\" id=\"t1w_157\">127 </span><span class=\"S373F SA7 S2\" id=\"t1x_157\">Within 5 years and over one year </span><span class=\"S3740 SA7 S2\" id=\"t1y_157\">1,285 </span><span class=\"S3741 SA7 S2\" id=\"t1z_157\">1,237 </span><span class=\"S3742 SA7 S2\" id=\"t20_157\">Within 10 years and over 5 years </span><span class=\"S3743 SA7 S2\" id=\"t21_157\">1,470 </span><span class=\"S1BDE SA7 S2\" id=\"t22_157\">2,210 </span><span class=\"S3744 SA7 S2\" id=\"t23_157\">Over 10 years </span><span class=\"S3745 SA7 S2\" id=\"t24_157\">1,398 </span><span class=\"S3746 SA7 S2\" id=\"t25_157\">1,688 </span><span class=\"S3747 SB S2\" id=\"t26_157\">Total present value </span><span class=\"S3748 SB S2\" id=\"t27_157\">4,728 </span><span class=\"S3749 SB S2\" id=\"t28_157\">5,262 </span><span class=\"S374A SB S2\" id=\"t29_157\">Actuarial assumptions </span><span class=\"S374B SB S2\" id=\"t2a_157\">2022 </span><span class=\"S374C SB S2\" id=\"t2b_157\">2021 </span><span class=\"S374D SA7 S2\" id=\"t2c_157\">Discount rate </span><span class=\"S374E SA7 S2\" id=\"t2d_157\">1.80% - 6.00% </span><span class=\"S374F SA7 S2\" id=\"t2e_157\">0.35% - 4.50% </span><span class=\"S3750 SA7 S2\" id=\"t2f_157\">Future salary increases </span><span class=\"S3751 SA7 S2\" id=\"t2g_157\">0.75% - 8.00% </span><span class=\"S3752 SA7 S2\" id=\"t2h_157\">0.75% - 8.00% </span><span class=\"S3753 SA7 S2\" id=\"t2i_157\">Since plan asset is not recognized in the Consolidated Financial Statements, the effect of the asset ceiling, the </span><span class=\"S3754 SA7 S2\" id=\"t2j_157\">effect of changes in foreign exchange rates and the return on plan assets, excluding amounts included in interest </span><span class=\"S3755 SA7 S2\" id=\"t2k_157\">accounts are also not recognized and therefore not presented. </span><span class=\"S3756 SA7 S2\" id=\"t2l_157\">OTP Group made an insignificant amount of contribution to the defined benefit plans during the year ended 31 </span><span class=\"S3757 SA7 S2\" id=\"t2m_157\">December 2022 and 2021. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f19109": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_158\">NOTE 41: </span><span class=\"S7A3 SB S2\" id=\"t4_158\">RELATED PARTY TRANSACTIONS (in HUF mn) </span><span class=\"S3758 SA7 S2\" id=\"t5_158\">The compensation of key management personnel, such as the members of the Board of Directors, members of the </span><span class=\"S3759 SA7 S2\" id=\"t6_158\">Supervisory Board, key employees of the Bank and its major subsidiaries involved in the decision-making process </span><span class=\"S375A SA7 S2\" id=\"t7_158\">in accordance with the compensation categories defined in IAS 24 Related Party Disclosures, is summarised </span><span class=\"S375B SA7 S2\" id=\"t8_158\">below: </span><span class=\"S375C SB S2\" id=\"t9_158\">Compensations </span><span class=\"SF38 SB S2\" id=\"ta_158\">2022 </span><span class=\"SF39 SB S2\" id=\"tb_158\">2021 </span><span class=\"S375D SA7 S2\" id=\"tc_158\">Short-term employee benefits </span><span class=\"S375E SA7 S2\" id=\"td_158\">9,790 </span><span class=\"SF8E SA7 S2\" id=\"te_158\">8,881 </span><span class=\"S375F SA7 S2\" id=\"tf_158\">Share-based payment </span><span class=\"SF3F SA7 S2\" id=\"tg_158\">2,638 </span><span class=\"S3760 SA7 S2\" id=\"th_158\">3,110 </span><span class=\"S3761 SA7 S2\" id=\"ti_158\">Other long-term employee benefits </span><span class=\"S3762 SA7 S2\" id=\"tj_158\">875 </span><span class=\"S3763 SA7 S2\" id=\"tk_158\">743 </span><span class=\"S3764 SA7 S2\" id=\"tl_158\">Termination benefits </span><span class=\"S3765 SA7 S2\" id=\"tm_158\">293 </span><span class=\"S3766 SA7 S2\" id=\"tn_158\">- </span><span class=\"S3767 SA7 S2\" id=\"to_158\">Post-employment benefits </span><span class=\"S3768 SA7 S2\" id=\"tp_158\">1 </span><span class=\"S3769 SA7 S2\" id=\"tq_158\">112 </span><span class=\"S376A SB S2\" id=\"tr_158\">Total </span><span class=\"S376B SB S2\" id=\"ts_158\">13,597 </span><span class=\"S376C SB S2\" id=\"tt_158\">12,846 </span><span class=\"S376D SA7 S2\" id=\"tu_158\">Share based compensations to the members of the Board of Directors, Supervisory Board or key employees of the </span><span class=\"S376E SA7 S2\" id=\"tv_158\">Bank and its major subsidiaries are detailed in Note 40 Share-based payments. </span><span class=\"S376F SA7 S2\" id=\"tw_158\">An analysis of payment to executives of the Group related to their activity in Board of Directors and Supervisory </span><span class=\"S3770 SA7 S2\" id=\"tx_158\">Board is as follows: </span><span class=\"S3771 SB S2\" id=\"ty_158\">2022 </span><span class=\"S3772 SB S2\" id=\"tz_158\">2021 </span><span class=\"S3773 SA7 S2\" id=\"t10_158\">Members of Board of Directors </span><span class=\"S3774 SA7 S2\" id=\"t11_158\">3,049 </span><span class=\"S3775 SA7 S2\" id=\"t12_158\">3,023 </span><span class=\"S3776 SA7 S2\" id=\"t13_158\">Members of Supervisory Board </span><span class=\"S3777 SA7 S2\" id=\"t14_158\">386 </span><span class=\"S3778 SA7 S2\" id=\"t15_158\">283 </span><span class=\"S3779 SB S2\" id=\"t16_158\">Total </span><span class=\"S377A SB S2\" id=\"t17_158\">3,435 </span><span class=\"S377B SB S2\" id=\"t18_158\">3,306 </span><span class=\"S1123 SB S2\" id=\"t3_159\">NOTE 41: </span><span class=\"S1F82 SB S2\" id=\"t4_159\">RELATED PARTY TRANSACTIONS (in HUF mn) [continued] </span><span class=\"S377C SA7 S2\" id=\"t5_159\">Connections with related party (key management personnel and their close family member and companies) by which line of the consolidated statement of financial position and </span><span class=\"SBB3 SA7 S2\" id=\"t6_159\">off-balance sheet is presented: </span><span class=\"S377D S27D S2\" id=\"t7_159\">2022 </span><span class=\"S377E S27D S2\" id=\"t8_159\">2021 </span><span class=\"S377F S27D S2\" id=\"t9_159\">Assets </span><span class=\"S3780 S27D S2\" id=\"ta_159\">Other </span><span class=\"S3781 S27D S2\" id=\"tb_159\">related </span><span class=\"S3782 S27D S2\" id=\"tc_159\">parties </span><span class=\"S3783 S27D S2\" id=\"td_159\">Associated </span><span class=\"S3784 S27D S2\" id=\"te_159\">companies </span><span class=\"S3785 S27D S2\" id=\"tf_159\">Other </span><span class=\"S3786 S27D S2\" id=\"tg_159\">companies </span><span class=\"S3787 S27D S2\" id=\"th_159\">Total </span><span class=\"S3788 S27D S2\" id=\"ti_159\">Other </span><span class=\"S3789 S27D S2\" id=\"tj_159\">related </span><span class=\"S378A S27D S2\" id=\"tk_159\">parties </span><span class=\"S378B S27D S2\" id=\"tl_159\">Associated </span><span class=\"S378C S27D S2\" id=\"tm_159\">companies </span><span class=\"S378D S27D S2\" id=\"tn_159\">Other </span><span class=\"S378E S27D S2\" id=\"to_159\">companies </span><span class=\"S378F S27D S2\" id=\"tp_159\">Total </span><span class=\"S3790 S27E S2\" id=\"tq_159\">Securities </span><span class=\"S3791 S27E S2\" id=\"tr_159\">601 </span><span class=\"S3792 S27E S2\" id=\"ts_159\">- </span><span class=\"S3793 S27E S2\" id=\"tt_159\">- </span><span class=\"S3794 S27E S2\" id=\"tu_159\">601 </span><span class=\"S3795 S27E S2\" id=\"tv_159\">596 </span><span class=\"S3796 S27E S2\" id=\"tw_159\">- </span><span class=\"S3797 S27E S2\" id=\"tx_159\">- </span><span class=\"S3798 S27E S2\" id=\"ty_159\">596 </span><span class=\"S3799 S27E S2\" id=\"tz_159\">Loans at amortized cost (gross value) </span><span class=\"S379A S27E S2\" id=\"t10_159\">75,704 </span><span class=\"S379B S27E S2\" id=\"t11_159\">23,554 </span><span class=\"S379C S27E S2\" id=\"t12_159\">4,067 </span><span class=\"S379D S27E S2\" id=\"t13_159\">103,325 </span><span class=\"S379E S27E S2\" id=\"t14_159\">111,529 </span><span class=\"S379F S27E S2\" id=\"t15_159\">1,828 </span><span class=\"S37A0 S27E S2\" id=\"t16_159\">1,798 </span><span class=\"S37A1 S27E S2\" id=\"t17_159\">115,155 </span><span class=\"S37A2 S27E S2\" id=\"t18_159\">Loss allowance on loans at amortized cost </span><span class=\"S37A3 S27E S2\" id=\"t19_159\">- </span><span class=\"S37A4 S27E S2\" id=\"t1a_159\">- </span><span class=\"S37A5 S27E S2\" id=\"t1b_159\">- </span><span class=\"S37A6 S27E S2\" id=\"t1c_159\">- </span><span class=\"S37A7 S27E S2\" id=\"t1d_159\">(3,197) </span><span class=\"S37A8 S27E S2\" id=\"t1e_159\">(669) </span><span class=\"S37A9 S27E S2\" id=\"t1f_159\">(6) </span><span class=\"S37AA S27E S2\" id=\"t1g_159\">(3,872) </span><span class=\"S37AB S27E S2\" id=\"t1h_159\">Finance lease receivable </span><span class=\"S37AC S27E S2\" id=\"t1i_159\">- </span><span class=\"S37AD S27E S2\" id=\"t1j_159\">22 </span><span class=\"S37AE S27E S2\" id=\"t1k_159\">- </span><span class=\"S37AF S27E S2\" id=\"t1l_159\">22 </span><span class=\"S37B0 S27E S2\" id=\"t1m_159\">- </span><span class=\"S37B1 S27E S2\" id=\"t1n_159\">- </span><span class=\"S37B2 S27E S2\" id=\"t1o_159\">- </span><span class=\"S37B3 S27E S2\" id=\"t1p_159\">- </span><span class=\"S37B4 S27E S2\" id=\"t1q_159\">Loans at fair value through profit or loss </span><span class=\"S37B5 S27E S2\" id=\"t1r_159\">164 </span><span class=\"S37B6 S27E S2\" id=\"t1s_159\">- </span><span class=\"S37B7 S27E S2\" id=\"t1t_159\">- </span><span class=\"S37B8 S27E S2\" id=\"t1u_159\">164 </span><span class=\"S37B9 S27E S2\" id=\"t1v_159\">108 </span><span class=\"S37BA S27E S2\" id=\"t1w_159\">- </span><span class=\"S37BB S27E S2\" id=\"t1x_159\">- </span><span class=\"S37BC S27E S2\" id=\"t1y_159\">108 </span><span class=\"S37BD S27D S2\" id=\"t1z_159\">Total assets </span><span class=\"S37BE S27D S2\" id=\"t20_159\">76,469 </span><span class=\"S37BF S27D S2\" id=\"t21_159\">23,576 </span><span class=\"S37C0 S27D S2\" id=\"t22_159\">4,067 </span><span class=\"S37C1 S27D S2\" id=\"t23_159\">104,112 </span><span class=\"S37C2 S27D S2\" id=\"t24_159\">109,036 </span><span class=\"S37C3 S27D S2\" id=\"t25_159\">1,159 </span><span class=\"S37C4 S27D S2\" id=\"t26_159\">1,792 </span><span class=\"S37C5 S27D S2\" id=\"t27_159\">111,987 </span><span class=\"S37C6 S27D S2\" id=\"t28_159\">Liabilities </span><span class=\"S37C7 S27E S2\" id=\"t29_159\">Deposits from customers and loan liabilities </span><span class=\"S37C8 S27E S2\" id=\"t2a_159\">54,002 </span><span class=\"S37C9 S27E S2\" id=\"t2b_159\">12,490 </span><span class=\"S37CA S27E S2\" id=\"t2c_159\">2,104 </span><span class=\"S37CB S27E S2\" id=\"t2d_159\">68,596 </span><span class=\"S37CC S27E S2\" id=\"t2e_159\">39,872 </span><span class=\"S37CD S27E S2\" id=\"t2f_159\">4,280 </span><span class=\"S37CE S27E S2\" id=\"t2g_159\">2,732 </span><span class=\"S37CF S27E S2\" id=\"t2h_159\">46,884 </span><span class=\"S37D0 S27E S2\" id=\"t2i_159\">Fair value adjustment of </span><span class=\"S37D1 S27E S2\" id=\"t2j_159\">derivative financial instruments </span><span class=\"S37D2 S27E S2\" id=\"t2k_159\">- </span><span class=\"S37D3 S27E S2\" id=\"t2l_159\">46 </span><span class=\"S37D4 S27E S2\" id=\"t2m_159\">- </span><span class=\"S37D5 S27E S2\" id=\"t2n_159\">46 </span><span class=\"S37D6 S27E S2\" id=\"t2o_159\">- </span><span class=\"S37D7 S27E S2\" id=\"t2p_159\">- </span><span class=\"S37D8 S27E S2\" id=\"t2q_159\">- </span><span class=\"S37D9 S27E S2\" id=\"t2r_159\">- </span><span class=\"S37DA S27D S2\" id=\"t2s_159\">Total liabilities </span><span class=\"S37DB S27D S2\" id=\"t2t_159\">54,002 </span><span class=\"S37DC S27D S2\" id=\"t2u_159\">12,536 </span><span class=\"S37DD S27D S2\" id=\"t2v_159\">2,104 </span><span class=\"S37DE S27D S2\" id=\"t2w_159\">68,642 </span><span class=\"S37DF S27D S2\" id=\"t2x_159\">39,872 </span><span class=\"S37E0 S27D S2\" id=\"t2y_159\">4,280 </span><span class=\"S37E1 S27D S2\" id=\"t2z_159\">2,732 </span><span class=\"S37E2 S27D S2\" id=\"t30_159\">46,884 </span><span class=\"S1123 SB S2\" id=\"t3_160\">NOTE 41: </span><span class=\"S1F82 SB S2\" id=\"t4_160\">RELATED PARTY TRANSACTIONS (in HUF mn) [continued] </span><span class=\"S377C SA7 S2\" id=\"t5_160\">Connections with related party (key management personnel and their close family member and companies) by which line of the consolidated statement of financial position and </span><span class=\"S37E3 SA7 S2\" id=\"t6_160\">off-balance sheet is presented [continued]: </span><span class=\"S37E4 S27D S2\" id=\"t7_160\">2022 </span><span class=\"S37E5 S27D S2\" id=\"t8_160\">2021 </span><span class=\"S37E6 S27D S2\" id=\"t9_160\">Off-balance sheet items </span><span class=\"S37E7 S27D S2\" id=\"ta_160\">Other </span><span class=\"S37E8 S27D S2\" id=\"tb_160\">related </span><span class=\"S37E9 S27D S2\" id=\"tc_160\">parties </span><span class=\"S37EA S27D S2\" id=\"td_160\">Associated </span><span class=\"S37EB S27D S2\" id=\"te_160\">companies </span><span class=\"S37EC S27D S2\" id=\"tf_160\">Other </span><span class=\"S37ED S27D S2\" id=\"tg_160\">companies </span><span class=\"S37EE S27D S2\" id=\"th_160\">Total </span><span class=\"S37EF S27D S2\" id=\"ti_160\">Other </span><span class=\"S37F0 S27D S2\" id=\"tj_160\">related </span><span class=\"S37F1 S27D S2\" id=\"tk_160\">parties </span><span class=\"S37F2 S27D S2\" id=\"tl_160\">Associated </span><span class=\"S37F3 S27D S2\" id=\"tm_160\">companies </span><span class=\"S37F4 S27D S2\" id=\"tn_160\">Other </span><span class=\"S37F5 S27D S2\" id=\"to_160\">companies </span><span class=\"S37F6 S27D S2\" id=\"tp_160\">Total </span><span class=\"S37F7 S27E S2\" id=\"tq_160\">Undrawn line of credit </span><span class=\"S37F8 S27E S2\" id=\"tr_160\">47,522 </span><span class=\"S37F9 S27E S2\" id=\"ts_160\">322 </span><span class=\"S37FA S27E S2\" id=\"tt_160\">2,209 </span><span class=\"S37FB S27E S2\" id=\"tu_160\">50,053 </span><span class=\"S37FC S27E S2\" id=\"tv_160\">30,369 </span><span class=\"S37FD S27E S2\" id=\"tw_160\">1,913 </span><span class=\"S37FE S27E S2\" id=\"tx_160\">1,176 </span><span class=\"S37FF S27E S2\" id=\"ty_160\">33,458 </span><span class=\"S3800 S27E S2\" id=\"tz_160\">Bank Guarantee </span><span class=\"S3801 S27E S2\" id=\"t10_160\">8,455 </span><span class=\"S3802 S27E S2\" id=\"t11_160\">- </span><span class=\"S3803 S27E S2\" id=\"t12_160\">2,652 </span><span class=\"S3804 S27E S2\" id=\"t13_160\">11,107 </span><span class=\"S3805 S27E S2\" id=\"t14_160\">6,220 </span><span class=\"S3806 S27E S2\" id=\"t15_160\">- </span><span class=\"S3807 S27E S2\" id=\"t16_160\">551 </span><span class=\"S3808 S27E S2\" id=\"t17_160\">6,771 </span><span class=\"S3809 S27E S2\" id=\"t18_160\">Commitments and guarantees given </span><span class=\"S380A S27E S2\" id=\"t19_160\">24 </span><span class=\"S380B S27E S2\" id=\"t1a_160\">- </span><span class=\"S380C S27E S2\" id=\"t1b_160\">- </span><span class=\"S380D S27E S2\" id=\"t1c_160\">24 </span><span class=\"S380E S27E S2\" id=\"t1d_160\">- </span><span class=\"S380F S27E S2\" id=\"t1e_160\">- </span><span class=\"S3810 S27E S2\" id=\"t1f_160\">- </span><span class=\"S3811 S27E S2\" id=\"t1g_160\">- </span><span class=\"S3812 S27D S2\" id=\"t1h_160\">Total off-balance sheet items </span><span class=\"S3813 S27D S2\" id=\"t1i_160\">56,001 </span><span class=\"S3814 S27D S2\" id=\"t1j_160\">322 </span><span class=\"S3815 S27D S2\" id=\"t1k_160\">4,861 </span><span class=\"S3816 S27D S2\" id=\"t1l_160\">61,184 </span><span class=\"S3817 S27D S2\" id=\"t1m_160\">36,589 </span><span class=\"S3818 S27D S2\" id=\"t1n_160\">1,913 </span><span class=\"S3819 S27D S2\" id=\"t1o_160\">1,727 </span><span class=\"S381A S27D S2\" id=\"t1p_160\">40,229 </span><span class=\"S381B SB S2\" id=\"t1q_160\">Statement of profit or loss </span><span class=\"S381C SB S2\" id=\"t1r_160\">2022 </span><span class=\"S381D SB S2\" id=\"t1s_160\">2021 </span><span class=\"S381E SB S2\" id=\"t1t_160\">(turnover during the current period) </span><span class=\"S381F SA7 S2\" id=\"t1u_160\">Interest income </span><span class=\"S3820 SA7 S2\" id=\"t1v_160\">860 </span><span class=\"S3821 SA7 S2\" id=\"t1w_160\">167 </span><span class=\"S3822 SA7 S2\" id=\"t1x_160\">Fees and commissions </span><span class=\"S3823 SA7 S2\" id=\"t1y_160\">117 </span><span class=\"S3824 SA7 S2\" id=\"t1z_160\">61 </span><span class=\"S3825 SA7 S2\" id=\"t20_160\">Interest expense </span><span class=\"S3826 SA7 S2\" id=\"t21_160\">(243) </span><span class=\"S3827 SA7 S2\" id=\"t22_160\">(13) </span><span class=\"S3828 SA7 S2\" id=\"t23_160\">Fees and commission expenses </span><span class=\"S3829 SA7 S2\" id=\"t24_160\">(7) </span><span class=\"S382A SA7 S2\" id=\"t25_160\">(22) </span><span class=\"S382B SA7 S2\" id=\"t26_160\">Loss allowance / Provision </span><span class=\"S382C SA7 S2\" id=\"t27_160\">on loans, placements, for commitments and guarantees given </span><span class=\"S382D SA7 S2\" id=\"t28_160\">(29) </span><span class=\"S382E SA7 S2\" id=\"t29_160\">(652) </span><span class=\"S382F SA7 S2\" id=\"t2a_160\">Operational costs </span><span class=\"S3830 SA7 S2\" id=\"t2b_160\">(1,852) </span><span class=\"S3831 SA7 S2\" id=\"t2c_160\">(224) </span><span class=\"S3832 SA7 S2\" id=\"t2d_160\">In the normal course of business, the Bank enters into other transactions with its unconsolidated subsidiaries of the Group, the amounts and volumes of which are not significant </span><span class=\"S3833 SA7 S2\" id=\"t2e_160\">to these Consolidated Financial Statements taken as a whole. Related party transactions were made on t </span><span class=\"S3834 S5B9 S2\" id=\"t2f_160\">erms equivalent to those that prevail in arm\u2019s length transactions and </span><span class=\"S3835 SA7 S2\" id=\"t2g_160\">such terms can be substantiated. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f19110": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_158\">NOTE 41: </span><span class=\"S7A3 SB S2\" id=\"t4_158\">RELATED PARTY TRANSACTIONS (in HUF mn) </span><span class=\"S3758 SA7 S2\" id=\"t5_158\">The compensation of key management personnel, such as the members of the Board of Directors, members of the </span><span class=\"S3759 SA7 S2\" id=\"t6_158\">Supervisory Board, key employees of the Bank and its major subsidiaries involved in the decision-making process </span><span class=\"S375A SA7 S2\" id=\"t7_158\">in accordance with the compensation categories defined in IAS 24 Related Party Disclosures, is summarised </span><span class=\"S375B SA7 S2\" id=\"t8_158\">below: </span><span class=\"S375C SB S2\" id=\"t9_158\">Compensations </span><span class=\"SF38 SB S2\" id=\"ta_158\">2022 </span><span class=\"SF39 SB S2\" id=\"tb_158\">2021 </span><span class=\"S375D SA7 S2\" id=\"tc_158\">Short-term employee benefits </span><span class=\"S375E SA7 S2\" id=\"td_158\">9,790 </span><span class=\"SF8E SA7 S2\" id=\"te_158\">8,881 </span><span class=\"S375F SA7 S2\" id=\"tf_158\">Share-based payment </span><span class=\"SF3F SA7 S2\" id=\"tg_158\">2,638 </span><span class=\"S3760 SA7 S2\" id=\"th_158\">3,110 </span><span class=\"S3761 SA7 S2\" id=\"ti_158\">Other long-term employee benefits </span><span class=\"S3762 SA7 S2\" id=\"tj_158\">875 </span><span class=\"S3763 SA7 S2\" id=\"tk_158\">743 </span><span class=\"S3764 SA7 S2\" id=\"tl_158\">Termination benefits </span><span class=\"S3765 SA7 S2\" id=\"tm_158\">293 </span><span class=\"S3766 SA7 S2\" id=\"tn_158\">- </span><span class=\"S3767 SA7 S2\" id=\"to_158\">Post-employment benefits </span><span class=\"S3768 SA7 S2\" id=\"tp_158\">1 </span><span class=\"S3769 SA7 S2\" id=\"tq_158\">112 </span><span class=\"S376A SB S2\" id=\"tr_158\">Total </span><span class=\"S376B SB S2\" id=\"ts_158\">13,597 </span><span class=\"S376C SB S2\" id=\"tt_158\">12,846 </span><span class=\"S376D SA7 S2\" id=\"tu_158\">Share based compensations to the members of the Board of Directors, Supervisory Board or key employees of the </span><span class=\"S376E SA7 S2\" id=\"tv_158\">Bank and its major subsidiaries are detailed in Note 40 Share-based payments. </span><span class=\"S376F SA7 S2\" id=\"tw_158\">An analysis of payment to executives of the Group related to their activity in Board of Directors and Supervisory </span><span class=\"S3770 SA7 S2\" id=\"tx_158\">Board is as follows: </span><span class=\"S3771 SB S2\" id=\"ty_158\">2022 </span><span class=\"S3772 SB S2\" id=\"tz_158\">2021 </span><span class=\"S3773 SA7 S2\" id=\"t10_158\">Members of Board of Directors </span><span class=\"S3774 SA7 S2\" id=\"t11_158\">3,049 </span><span class=\"S3775 SA7 S2\" id=\"t12_158\">3,023 </span><span class=\"S3776 SA7 S2\" id=\"t13_158\">Members of Supervisory Board </span><span class=\"S3777 SA7 S2\" id=\"t14_158\">386 </span><span class=\"S3778 SA7 S2\" id=\"t15_158\">283 </span><span class=\"S3779 SB S2\" id=\"t16_158\">Total </span><span class=\"S377A SB S2\" id=\"t17_158\">3,435 </span><span class=\"S377B SB S2\" id=\"t18_158\">3,306 </span><span class=\"S1123 SB S2\" id=\"t3_159\">NOTE 41: </span><span class=\"S1F82 SB S2\" id=\"t4_159\">RELATED PARTY TRANSACTIONS (in HUF mn) [continued] </span><span class=\"S377C SA7 S2\" id=\"t5_159\">Connections with related party (key management personnel and their close family member and companies) by which line of the consolidated statement of financial position and </span><span class=\"SBB3 SA7 S2\" id=\"t6_159\">off-balance sheet is presented: </span><span class=\"S377D S27D S2\" id=\"t7_159\">2022 </span><span class=\"S377E S27D S2\" id=\"t8_159\">2021 </span><span class=\"S377F S27D S2\" id=\"t9_159\">Assets </span><span class=\"S3780 S27D S2\" id=\"ta_159\">Other </span><span class=\"S3781 S27D S2\" id=\"tb_159\">related </span><span class=\"S3782 S27D S2\" id=\"tc_159\">parties </span><span class=\"S3783 S27D S2\" id=\"td_159\">Associated </span><span class=\"S3784 S27D S2\" id=\"te_159\">companies </span><span class=\"S3785 S27D S2\" id=\"tf_159\">Other </span><span class=\"S3786 S27D S2\" id=\"tg_159\">companies </span><span class=\"S3787 S27D S2\" id=\"th_159\">Total </span><span class=\"S3788 S27D S2\" id=\"ti_159\">Other </span><span class=\"S3789 S27D S2\" id=\"tj_159\">related </span><span class=\"S378A S27D S2\" id=\"tk_159\">parties </span><span class=\"S378B S27D S2\" id=\"tl_159\">Associated </span><span class=\"S378C S27D S2\" id=\"tm_159\">companies </span><span class=\"S378D S27D S2\" id=\"tn_159\">Other </span><span class=\"S378E S27D S2\" id=\"to_159\">companies </span><span class=\"S378F S27D S2\" id=\"tp_159\">Total </span><span class=\"S3790 S27E S2\" id=\"tq_159\">Securities </span><span class=\"S3791 S27E S2\" id=\"tr_159\">601 </span><span class=\"S3792 S27E S2\" id=\"ts_159\">- </span><span class=\"S3793 S27E S2\" id=\"tt_159\">- </span><span class=\"S3794 S27E S2\" id=\"tu_159\">601 </span><span class=\"S3795 S27E S2\" id=\"tv_159\">596 </span><span class=\"S3796 S27E S2\" id=\"tw_159\">- </span><span class=\"S3797 S27E S2\" id=\"tx_159\">- </span><span class=\"S3798 S27E S2\" id=\"ty_159\">596 </span><span class=\"S3799 S27E S2\" id=\"tz_159\">Loans at amortized cost (gross value) </span><span class=\"S379A S27E S2\" id=\"t10_159\">75,704 </span><span class=\"S379B S27E S2\" id=\"t11_159\">23,554 </span><span class=\"S379C S27E S2\" id=\"t12_159\">4,067 </span><span class=\"S379D S27E S2\" id=\"t13_159\">103,325 </span><span class=\"S379E S27E S2\" id=\"t14_159\">111,529 </span><span class=\"S379F S27E S2\" id=\"t15_159\">1,828 </span><span class=\"S37A0 S27E S2\" id=\"t16_159\">1,798 </span><span class=\"S37A1 S27E S2\" id=\"t17_159\">115,155 </span><span class=\"S37A2 S27E S2\" id=\"t18_159\">Loss allowance on loans at amortized cost </span><span class=\"S37A3 S27E S2\" id=\"t19_159\">- </span><span class=\"S37A4 S27E S2\" id=\"t1a_159\">- </span><span class=\"S37A5 S27E S2\" id=\"t1b_159\">- </span><span class=\"S37A6 S27E S2\" id=\"t1c_159\">- </span><span class=\"S37A7 S27E S2\" id=\"t1d_159\">(3,197) </span><span class=\"S37A8 S27E S2\" id=\"t1e_159\">(669) </span><span class=\"S37A9 S27E S2\" id=\"t1f_159\">(6) </span><span class=\"S37AA S27E S2\" id=\"t1g_159\">(3,872) </span><span class=\"S37AB S27E S2\" id=\"t1h_159\">Finance lease receivable </span><span class=\"S37AC S27E S2\" id=\"t1i_159\">- </span><span class=\"S37AD S27E S2\" id=\"t1j_159\">22 </span><span class=\"S37AE S27E S2\" id=\"t1k_159\">- </span><span class=\"S37AF S27E S2\" id=\"t1l_159\">22 </span><span class=\"S37B0 S27E S2\" id=\"t1m_159\">- </span><span class=\"S37B1 S27E S2\" id=\"t1n_159\">- </span><span class=\"S37B2 S27E S2\" id=\"t1o_159\">- </span><span class=\"S37B3 S27E S2\" id=\"t1p_159\">- </span><span class=\"S37B4 S27E S2\" id=\"t1q_159\">Loans at fair value through profit or loss </span><span class=\"S37B5 S27E S2\" id=\"t1r_159\">164 </span><span class=\"S37B6 S27E S2\" id=\"t1s_159\">- </span><span class=\"S37B7 S27E S2\" id=\"t1t_159\">- </span><span class=\"S37B8 S27E S2\" id=\"t1u_159\">164 </span><span class=\"S37B9 S27E S2\" id=\"t1v_159\">108 </span><span class=\"S37BA S27E S2\" id=\"t1w_159\">- </span><span class=\"S37BB S27E S2\" id=\"t1x_159\">- </span><span class=\"S37BC S27E S2\" id=\"t1y_159\">108 </span><span class=\"S37BD S27D S2\" id=\"t1z_159\">Total assets </span><span class=\"S37BE S27D S2\" id=\"t20_159\">76,469 </span><span class=\"S37BF S27D S2\" id=\"t21_159\">23,576 </span><span class=\"S37C0 S27D S2\" id=\"t22_159\">4,067 </span><span class=\"S37C1 S27D S2\" id=\"t23_159\">104,112 </span><span class=\"S37C2 S27D S2\" id=\"t24_159\">109,036 </span><span class=\"S37C3 S27D S2\" id=\"t25_159\">1,159 </span><span class=\"S37C4 S27D S2\" id=\"t26_159\">1,792 </span><span class=\"S37C5 S27D S2\" id=\"t27_159\">111,987 </span><span class=\"S37C6 S27D S2\" id=\"t28_159\">Liabilities </span><span class=\"S37C7 S27E S2\" id=\"t29_159\">Deposits from customers and loan liabilities </span><span class=\"S37C8 S27E S2\" id=\"t2a_159\">54,002 </span><span class=\"S37C9 S27E S2\" id=\"t2b_159\">12,490 </span><span class=\"S37CA S27E S2\" id=\"t2c_159\">2,104 </span><span class=\"S37CB S27E S2\" id=\"t2d_159\">68,596 </span><span class=\"S37CC S27E S2\" id=\"t2e_159\">39,872 </span><span class=\"S37CD S27E S2\" id=\"t2f_159\">4,280 </span><span class=\"S37CE S27E S2\" id=\"t2g_159\">2,732 </span><span class=\"S37CF S27E S2\" id=\"t2h_159\">46,884 </span><span class=\"S37D0 S27E S2\" id=\"t2i_159\">Fair value adjustment of </span><span class=\"S37D1 S27E S2\" id=\"t2j_159\">derivative financial instruments </span><span class=\"S37D2 S27E S2\" id=\"t2k_159\">- </span><span class=\"S37D3 S27E S2\" id=\"t2l_159\">46 </span><span class=\"S37D4 S27E S2\" id=\"t2m_159\">- </span><span class=\"S37D5 S27E S2\" id=\"t2n_159\">46 </span><span class=\"S37D6 S27E S2\" id=\"t2o_159\">- </span><span class=\"S37D7 S27E S2\" id=\"t2p_159\">- </span><span class=\"S37D8 S27E S2\" id=\"t2q_159\">- </span><span class=\"S37D9 S27E S2\" id=\"t2r_159\">- </span><span class=\"S37DA S27D S2\" id=\"t2s_159\">Total liabilities </span><span class=\"S37DB S27D S2\" id=\"t2t_159\">54,002 </span><span class=\"S37DC S27D S2\" id=\"t2u_159\">12,536 </span><span class=\"S37DD S27D S2\" id=\"t2v_159\">2,104 </span><span class=\"S37DE S27D S2\" id=\"t2w_159\">68,642 </span><span class=\"S37DF S27D S2\" id=\"t2x_159\">39,872 </span><span class=\"S37E0 S27D S2\" id=\"t2y_159\">4,280 </span><span class=\"S37E1 S27D S2\" id=\"t2z_159\">2,732 </span><span class=\"S37E2 S27D S2\" id=\"t30_159\">46,884 </span><span class=\"S1123 SB S2\" id=\"t3_160\">NOTE 41: </span><span class=\"S1F82 SB S2\" id=\"t4_160\">RELATED PARTY TRANSACTIONS (in HUF mn) [continued] </span><span class=\"S377C SA7 S2\" id=\"t5_160\">Connections with related party (key management personnel and their close family member and companies) by which line of the consolidated statement of financial position and </span><span class=\"S37E3 SA7 S2\" id=\"t6_160\">off-balance sheet is presented [continued]: </span><span class=\"S37E4 S27D S2\" id=\"t7_160\">2022 </span><span class=\"S37E5 S27D S2\" id=\"t8_160\">2021 </span><span class=\"S37E6 S27D S2\" id=\"t9_160\">Off-balance sheet items </span><span class=\"S37E7 S27D S2\" id=\"ta_160\">Other </span><span class=\"S37E8 S27D S2\" id=\"tb_160\">related </span><span class=\"S37E9 S27D S2\" id=\"tc_160\">parties </span><span class=\"S37EA S27D S2\" id=\"td_160\">Associated </span><span class=\"S37EB S27D S2\" id=\"te_160\">companies </span><span class=\"S37EC S27D S2\" id=\"tf_160\">Other </span><span class=\"S37ED S27D S2\" id=\"tg_160\">companies </span><span class=\"S37EE S27D S2\" id=\"th_160\">Total </span><span class=\"S37EF S27D S2\" id=\"ti_160\">Other </span><span class=\"S37F0 S27D S2\" id=\"tj_160\">related </span><span class=\"S37F1 S27D S2\" id=\"tk_160\">parties </span><span class=\"S37F2 S27D S2\" id=\"tl_160\">Associated </span><span class=\"S37F3 S27D S2\" id=\"tm_160\">companies </span><span class=\"S37F4 S27D S2\" id=\"tn_160\">Other </span><span class=\"S37F5 S27D S2\" id=\"to_160\">companies </span><span class=\"S37F6 S27D S2\" id=\"tp_160\">Total </span><span class=\"S37F7 S27E S2\" id=\"tq_160\">Undrawn line of credit </span><span class=\"S37F8 S27E S2\" id=\"tr_160\">47,522 </span><span class=\"S37F9 S27E S2\" id=\"ts_160\">322 </span><span class=\"S37FA S27E S2\" id=\"tt_160\">2,209 </span><span class=\"S37FB S27E S2\" id=\"tu_160\">50,053 </span><span class=\"S37FC S27E S2\" id=\"tv_160\">30,369 </span><span class=\"S37FD S27E S2\" id=\"tw_160\">1,913 </span><span class=\"S37FE S27E S2\" id=\"tx_160\">1,176 </span><span class=\"S37FF S27E S2\" id=\"ty_160\">33,458 </span><span class=\"S3800 S27E S2\" id=\"tz_160\">Bank Guarantee </span><span class=\"S3801 S27E S2\" id=\"t10_160\">8,455 </span><span class=\"S3802 S27E S2\" id=\"t11_160\">- </span><span class=\"S3803 S27E S2\" id=\"t12_160\">2,652 </span><span class=\"S3804 S27E S2\" id=\"t13_160\">11,107 </span><span class=\"S3805 S27E S2\" id=\"t14_160\">6,220 </span><span class=\"S3806 S27E S2\" id=\"t15_160\">- </span><span class=\"S3807 S27E S2\" id=\"t16_160\">551 </span><span class=\"S3808 S27E S2\" id=\"t17_160\">6,771 </span><span class=\"S3809 S27E S2\" id=\"t18_160\">Commitments and guarantees given </span><span class=\"S380A S27E S2\" id=\"t19_160\">24 </span><span class=\"S380B S27E S2\" id=\"t1a_160\">- </span><span class=\"S380C S27E S2\" id=\"t1b_160\">- </span><span class=\"S380D S27E S2\" id=\"t1c_160\">24 </span><span class=\"S380E S27E S2\" id=\"t1d_160\">- </span><span class=\"S380F S27E S2\" id=\"t1e_160\">- </span><span class=\"S3810 S27E S2\" id=\"t1f_160\">- </span><span class=\"S3811 S27E S2\" id=\"t1g_160\">- </span><span class=\"S3812 S27D S2\" id=\"t1h_160\">Total off-balance sheet items </span><span class=\"S3813 S27D S2\" id=\"t1i_160\">56,001 </span><span class=\"S3814 S27D S2\" id=\"t1j_160\">322 </span><span class=\"S3815 S27D S2\" id=\"t1k_160\">4,861 </span><span class=\"S3816 S27D S2\" id=\"t1l_160\">61,184 </span><span class=\"S3817 S27D S2\" id=\"t1m_160\">36,589 </span><span class=\"S3818 S27D S2\" id=\"t1n_160\">1,913 </span><span class=\"S3819 S27D S2\" id=\"t1o_160\">1,727 </span><span class=\"S381A S27D S2\" id=\"t1p_160\">40,229 </span><span class=\"S381B SB S2\" id=\"t1q_160\">Statement of profit or loss </span><span class=\"S381C SB S2\" id=\"t1r_160\">2022 </span><span class=\"S381D SB S2\" id=\"t1s_160\">2021 </span><span class=\"S381E SB S2\" id=\"t1t_160\">(turnover during the current period) </span><span class=\"S381F SA7 S2\" id=\"t1u_160\">Interest income </span><span class=\"S3820 SA7 S2\" id=\"t1v_160\">860 </span><span class=\"S3821 SA7 S2\" id=\"t1w_160\">167 </span><span class=\"S3822 SA7 S2\" id=\"t1x_160\">Fees and commissions </span><span class=\"S3823 SA7 S2\" id=\"t1y_160\">117 </span><span class=\"S3824 SA7 S2\" id=\"t1z_160\">61 </span><span class=\"S3825 SA7 S2\" id=\"t20_160\">Interest expense </span><span class=\"S3826 SA7 S2\" id=\"t21_160\">(243) </span><span class=\"S3827 SA7 S2\" id=\"t22_160\">(13) </span><span class=\"S3828 SA7 S2\" id=\"t23_160\">Fees and commission expenses </span><span class=\"S3829 SA7 S2\" id=\"t24_160\">(7) </span><span class=\"S382A SA7 S2\" id=\"t25_160\">(22) </span><span class=\"S382B SA7 S2\" id=\"t26_160\">Loss allowance / Provision </span><span class=\"S382C SA7 S2\" id=\"t27_160\">on loans, placements, for commitments and guarantees given </span><span class=\"S382D SA7 S2\" id=\"t28_160\">(29) </span><span class=\"S382E SA7 S2\" id=\"t29_160\">(652) </span><span class=\"S382F SA7 S2\" id=\"t2a_160\">Operational costs </span><span class=\"S3830 SA7 S2\" id=\"t2b_160\">(1,852) </span><span class=\"S3831 SA7 S2\" id=\"t2c_160\">(224) </span><span class=\"S3832 SA7 S2\" id=\"t2d_160\">In the normal course of business, the Bank enters into other transactions with its unconsolidated subsidiaries of the Group, the amounts and volumes of which are not significant </span><span class=\"S3833 SA7 S2\" id=\"t2e_160\">to these Consolidated Financial Statements taken as a whole. Related party transactions were made on t </span><span class=\"S3834 S5B9 S2\" id=\"t2f_160\">erms equivalent to those that prevail in arm\u2019s length transactions and </span><span class=\"S3835 SA7 S2\" id=\"t2g_160\">such terms can be substantiated. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f19373": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_161\">NOTE 42: </span><span class=\"S13E0 SB S2\" id=\"t4_161\">ACQUISITION (in HUF mn) </span><span class=\"S3836 SB S2\" id=\"t5_161\">Purchase and consolidation of subsidiaries </span><span class=\"S3837 SA7 S2\" id=\"t6_161\">On 6 December 2021 OTP Bank signed an acquisition agreement with Alpha International Holdings Single </span><span class=\"S3838 SA7 S2\" id=\"t7_161\">Member S.A. on purchasing 100% shareholding of Alpha Bank SH.A., the Albanian subsidiary of the Greek Alpha </span><span class=\"S3839 SA7 S2\" id=\"t8_161\">Bank S.A. The purchase price has been agreed at EUR 55 million. The financial closing of the transaction was </span><span class=\"S383A SA7 S2\" id=\"t9_161\">completed on 18 July 2022. </span><span class=\"S383B SA7 S2\" id=\"ta_161\">The Seller shall, on an after-tax basis, indemnify and keep indemnified OTP Bank (the Purchaser) against all losses </span><span class=\"S383C SA7 S2\" id=\"tb_161\">suffered or incurred by it arising directly out of two lawsuits. The aggregate liability of the Seller for all indemnity </span><span class=\"S383D SA7 S2\" id=\"tc_161\">claims shall not exceed three million euros. </span><span class=\"S383E SA7 S2\" id=\"td_161\">The Seller made a strategic decision to dispose of its Albanian subsidiary. Purchasing an entity with negative </span><span class=\"S383F SA7 S2\" id=\"te_161\">goodwill is reasoned by altogether the expected cost synergies arising from the market situation in Albania. </span><span class=\"S3840 SA7 S2\" id=\"tf_161\">On 31 May 2021, OTP Bank signed a share sale and purchase agreement on purchasing 100% shareholding of </span><span class=\"S3841 SA7 S2\" id=\"tg_161\">Nova KBM d.d. and its subsidiaries, which are 80% owned by funds managed by affiliates of Apollo Global </span><span class=\"S3842 SA7 S2\" id=\"th_161\">Management, Inc. and 20% by EBRD. The financial closing of the transaction took place on 6 February 2023, </span><span class=\"S7B0 SA7 S2\" id=\"ti_161\">after obtaining all the necessary regulatory approvals. </span><span class=\"S3843 SA7 S2\" id=\"tj_161\">The Nova KBM acquisition completed in February 2023 and the pending acquisition of Ipoteka Bank in </span><span class=\"S3844 SA7 S2\" id=\"tk_161\">Uzbekistan (expected to be financially closed in the second quarter) may substantially contribute to the </span><span class=\"S3845 SA7 S2\" id=\"tl_161\">consolidated profit after tax; in addition to this, the expected positive after-tax effect of one-off items to be booked </span><span class=\"S1E56 SA7 S2\" id=\"tm_161\">in relation to the consolidation of Nova KBM (badwill, PPA, initial risk cost, etc.) might reach EUR 230 million. </span><span class=\"S3846 SA7 S2\" id=\"tn_161\">The fair value of the assets and liabilities acquired is as follows: </span><span class=\"S3847 SB S2\" id=\"to_161\">Alpha Bank SH.A. </span><span class=\"S3848 SA7 S2\" id=\"tp_161\">Cash amounts and due from banks and </span><span class=\"S3849 SA7 S2\" id=\"tq_161\">balances with the National Banks </span><span class=\"S384A SA7 S2\" id=\"tr_161\">(58,880) </span><span class=\"S384B SA7 S2\" id=\"ts_161\">Placements with other banks, repo receivables </span><span class=\"S384C SA7 S2\" id=\"tt_161\">(26,500) </span><span class=\"S384D SA7 S2\" id=\"tu_161\">Financial assets at fair value through profit or loss </span><span class=\"S384E SA7 S2\" id=\"tv_161\">- </span><span class=\"S384F SA7 S2\" id=\"tw_161\">Securities at fair value through other comprehensive income </span><span class=\"S3850 SA7 S2\" id=\"tx_161\">(46,003) </span><span class=\"S3851 SA7 S2\" id=\"ty_161\">Loans at amortized cost </span><span class=\"S3852 SA7 S2\" id=\"tz_161\">(101,642) </span><span class=\"S3853 SA7 S2\" id=\"t10_161\">Loans mandatorily at fair value through profit or loss </span><span class=\"S3854 SA7 S2\" id=\"t11_161\">- </span><span class=\"S3855 SA7 S2\" id=\"t12_161\">Associates and other investments </span><span class=\"S3856 SA7 S2\" id=\"t13_161\">- </span><span class=\"S3857 SA7 S2\" id=\"t14_161\">Securities at amortized cost </span><span class=\"S3858 SA7 S2\" id=\"t15_161\">(3,038) </span><span class=\"S3859 SA7 S2\" id=\"t16_161\">Property and equipment </span><span class=\"S385A SA7 S2\" id=\"t17_161\">(1,063) </span><span class=\"S385B SA7 S2\" id=\"t18_161\">Intangible assets </span><span class=\"S385C SA7 S2\" id=\"t19_161\">(1,391) </span><span class=\"S385D SA7 S2\" id=\"t1a_161\">Right-of-use assets </span><span class=\"S385E SA7 S2\" id=\"t1b_161\">(3,209) </span><span class=\"S385F SA7 S2\" id=\"t1c_161\">Investment properties </span><span class=\"S3860 SA7 S2\" id=\"t1d_161\">- </span><span class=\"S3861 SA7 S2\" id=\"t1e_161\">Derivative financial assets designated as hedge accounting </span><span class=\"S3862 SA7 S2\" id=\"t1f_161\">- </span><span class=\"S3863 SA7 S2\" id=\"t1g_161\">Other assets </span><span class=\"S3864 SA7 S2\" id=\"t1h_161\">(6,852) </span><span class=\"S3865 SB S2\" id=\"t1i_161\">Total assets </span><span class=\"S3866 SB S2\" id=\"t1j_161\">(248,579) </span><span class=\"SFA4 SB S2\" id=\"t3_162\">NOTE 42: </span><span class=\"S3867 SB S2\" id=\"t4_162\">ACQUISITION (in HUF mn) [continued] </span><span class=\"S3868 SA7 S2\" id=\"t5_162\">The fair value of the assets and liabilities acquired is as follows [continued]: </span><span class=\"S3869 SB S2\" id=\"t6_162\">Alpha Bank SH.A. </span><span class=\"S386A SA7 S2\" id=\"t7_162\">Amounts due to the banks, the National Governments, deposits </span><span class=\"S386B SA7 S2\" id=\"t8_162\">from the National Banks and other banks and repo liabilities </span><span class=\"S386C SA7 S2\" id=\"t9_162\">1,969 </span><span class=\"S386D SA7 S2\" id=\"ta_162\">Financial liabilities designated at fair value through profit or loss </span><span class=\"SDFD SA7 S2\" id=\"tb_162\">- </span><span class=\"S386E SA7 S2\" id=\"tc_162\">Deposits from customers </span><span class=\"SD7A SA7 S2\" id=\"td_162\">213,400 </span><span class=\"S386F SA7 S2\" id=\"te_162\">Liabilities from issued securities </span><span class=\"SEEA SA7 S2\" id=\"tf_162\">- </span><span class=\"S3870 SA7 S2\" id=\"tg_162\">Derivative financial liabilities held for trading </span><span class=\"SE03 SA7 S2\" id=\"th_162\">- </span><span class=\"S3871 SA7 S2\" id=\"ti_162\">Derivative financial liabilities designated as hedge accounting </span><span class=\"SE06 SA7 S2\" id=\"tj_162\">- </span><span class=\"S3872 SA7 S2\" id=\"tk_162\">Leasing liabilities </span><span class=\"S3873 SA7 S2\" id=\"tl_162\">3,346 </span><span class=\"S3874 SA7 S2\" id=\"tm_162\">Other liabilities </span><span class=\"S139E SA7 S2\" id=\"tn_162\">6,089 </span><span class=\"S3875 SA7 S2\" id=\"to_162\">Subordinated bonds and loans </span><span class=\"S3876 SA7 S2\" id=\"tp_162\">- </span><span class=\"S3877 SB S2\" id=\"tq_162\">Total liabilities </span><span class=\"S3878 SB S2\" id=\"tr_162\">224,804 </span><span class=\"S3879 SB S2\" id=\"ts_162\">Net assets </span><span class=\"S387A SB S2\" id=\"tt_162\">(23,775) </span><span class=\"S387B SB S2\" id=\"tu_162\">2022 </span><span class=\"S387C SA7 S2\" id=\"tv_162\">Net assets total </span><span class=\"S387D SA7 S2\" id=\"tw_162\">(23,775) </span><span class=\"S387E SA7 S2\" id=\"tx_162\">Non-controlling interest </span><span class=\"S339E SA7 S2\" id=\"ty_162\">- </span><span class=\"S387F SA7 S2\" id=\"tz_162\">Negative goodwill </span><span class=\"S3880 SA7 S2\" id=\"t10_162\">3,784 </span><span class=\"S3881 SB S2\" id=\"t11_162\">Net cash </span><span class=\"S3882 SB S2\" id=\"t12_162\">(19,991) </span><span class=\"S3883 SA7 S2\" id=\"t13_162\">Cash acquired on purchase </span><span class=\"S3884 SA7 S2\" id=\"t14_162\">58,880 </span><span class=\"S3885 SB S2\" id=\"t15_162\">Net cash paid for acquisition </span><span class=\"S3886 SB S2\" id=\"t16_162\">38,889 </span><span class=\"S3887 S5B9 S2\" id=\"t17_162\">Breakdown of the acquired entity\u2019s income, </span><span class=\"S3888 SA7 S2\" id=\"t18_162\">profit / loss from the date of the acquisition: </span><span class=\"S3889 SB S2\" id=\"t19_162\">Interest income </span><span class=\"S388A SB S2\" id=\"t1a_162\">Net result </span><span class=\"S388B SA7 S2\" id=\"t1b_162\">Alpha Bank SH.A. </span><span class=\"S388C SA7 S2\" id=\"t1c_162\">2,704 </span><span class=\"S388D SA7 S2\" id=\"t1d_162\">(5,920) </span><span class=\"S388E S5B9 S2\" id=\"t1e_162\">Breakdown of the acquired entity\u2019s income, profit / loss if the Group would have acquired from the beginning of </span><span class=\"S388F SA7 S2\" id=\"t1f_162\">year 2022: </span><span class=\"S3890 SB S2\" id=\"t1g_162\">Interest income </span><span class=\"S3891 SB S2\" id=\"t1h_162\">Net result </span><span class=\"S3892 SA7 S2\" id=\"t1i_162\">Alpha Bank SH.A. </span><span class=\"S3893 SA7 S2\" id=\"t1j_162\">6,889 </span><span class=\"S3894 SA7 S2\" id=\"t1k_162\">(11,572) </span><span class=\"S3895 SA7 S2\" id=\"t1l_162\">With the acquisition the following shares were purchased: </span><span class=\"S3896 SB S2\" id=\"t1m_162\">Number of </span><span class=\"S3897 SB S2\" id=\"t1n_162\">shares </span><span class=\"S3898 SB S2\" id=\"t1o_162\">Type </span><span class=\"S3899 SB S2\" id=\"t1p_162\">Voting rights </span><span class=\"S389A SA7 S2\" id=\"t1q_162\">ALPHAALTECH1 </span><span class=\"S389B SA7 S2\" id=\"t1r_162\">5,720,372 </span><span class=\"S389C SA7 S2\" id=\"t1s_162\">Common stock </span><span class=\"S389D SA7 S2\" id=\"t1t_162\">100.00% </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f19395": {
   "value": "<span class=\"S3846 SA7 S2\" id=\"tn_161\">The fair value of the assets and liabilities acquired is as follows: </span><span class=\"S3847 SB S2\" id=\"to_161\">Alpha Bank SH.A. </span><span class=\"S3848 SA7 S2\" id=\"tp_161\">Cash amounts and due from banks and </span><span class=\"S3849 SA7 S2\" id=\"tq_161\">balances with the National Banks </span><span class=\"S384A SA7 S2\" id=\"tr_161\">(58,880) </span><span class=\"S384B SA7 S2\" id=\"ts_161\">Placements with other banks, repo receivables </span><span class=\"S384C SA7 S2\" id=\"tt_161\">(26,500) </span><span class=\"S384D SA7 S2\" id=\"tu_161\">Financial assets at fair value through profit or loss </span><span class=\"S384E SA7 S2\" id=\"tv_161\">- </span><span class=\"S384F SA7 S2\" id=\"tw_161\">Securities at fair value through other comprehensive income </span><span class=\"S3850 SA7 S2\" id=\"tx_161\">(46,003) </span><span class=\"S3851 SA7 S2\" id=\"ty_161\">Loans at amortized cost </span><span class=\"S3852 SA7 S2\" id=\"tz_161\">(101,642) </span><span class=\"S3853 SA7 S2\" id=\"t10_161\">Loans mandatorily at fair value through profit or loss </span><span class=\"S3854 SA7 S2\" id=\"t11_161\">- </span><span class=\"S3855 SA7 S2\" id=\"t12_161\">Associates and other investments </span><span class=\"S3856 SA7 S2\" id=\"t13_161\">- </span><span class=\"S3857 SA7 S2\" id=\"t14_161\">Securities at amortized cost </span><span class=\"S3858 SA7 S2\" id=\"t15_161\">(3,038) </span><span class=\"S3859 SA7 S2\" id=\"t16_161\">Property and equipment </span><span class=\"S385A SA7 S2\" id=\"t17_161\">(1,063) </span><span class=\"S385B SA7 S2\" id=\"t18_161\">Intangible assets </span><span class=\"S385C SA7 S2\" id=\"t19_161\">(1,391) </span><span class=\"S385D SA7 S2\" id=\"t1a_161\">Right-of-use assets </span><span class=\"S385E SA7 S2\" id=\"t1b_161\">(3,209) </span><span class=\"S385F SA7 S2\" id=\"t1c_161\">Investment properties </span><span class=\"S3860 SA7 S2\" id=\"t1d_161\">- </span><span class=\"S3861 SA7 S2\" id=\"t1e_161\">Derivative financial assets designated as hedge accounting </span><span class=\"S3862 SA7 S2\" id=\"t1f_161\">- </span><span class=\"S3863 SA7 S2\" id=\"t1g_161\">Other assets </span><span class=\"S3864 SA7 S2\" id=\"t1h_161\">(6,852) </span><span class=\"S3865 SB S2\" id=\"t1i_161\">Total assets </span><span class=\"S3866 SB S2\" id=\"t1j_161\">(248,579) </span><span class=\"S3868 SA7 S2\" id=\"t5_162\">The fair value of the assets and liabilities acquired is as follows [continued]: </span><span class=\"S3869 SB S2\" id=\"t6_162\">Alpha Bank SH.A. </span><span class=\"S386A SA7 S2\" id=\"t7_162\">Amounts due to the banks, the National Governments, deposits </span><span class=\"S386B SA7 S2\" id=\"t8_162\">from the National Banks and other banks and repo liabilities </span><span class=\"S386C SA7 S2\" id=\"t9_162\">1,969 </span><span class=\"S386D SA7 S2\" id=\"ta_162\">Financial liabilities designated at fair value through profit or loss </span><span class=\"SDFD SA7 S2\" id=\"tb_162\">- </span><span class=\"S386E SA7 S2\" id=\"tc_162\">Deposits from customers </span><span class=\"SD7A SA7 S2\" id=\"td_162\">213,400 </span><span class=\"S386F SA7 S2\" id=\"te_162\">Liabilities from issued securities </span><span class=\"SEEA SA7 S2\" id=\"tf_162\">- </span><span class=\"S3870 SA7 S2\" id=\"tg_162\">Derivative financial liabilities held for trading </span><span class=\"SE03 SA7 S2\" id=\"th_162\">- </span><span class=\"S3871 SA7 S2\" id=\"ti_162\">Derivative financial liabilities designated as hedge accounting </span><span class=\"SE06 SA7 S2\" id=\"tj_162\">- </span><span class=\"S3872 SA7 S2\" id=\"tk_162\">Leasing liabilities </span><span class=\"S3873 SA7 S2\" id=\"tl_162\">3,346 </span><span class=\"S3874 SA7 S2\" id=\"tm_162\">Other liabilities </span><span class=\"S139E SA7 S2\" id=\"tn_162\">6,089 </span><span class=\"S3875 SA7 S2\" id=\"to_162\">Subordinated bonds and loans </span><span class=\"S3876 SA7 S2\" id=\"tp_162\">- </span><span class=\"S3877 SB S2\" id=\"tq_162\">Total liabilities </span><span class=\"S3878 SB S2\" id=\"tr_162\">224,804 </span><span class=\"S3879 SB S2\" id=\"ts_162\">Net assets </span><span class=\"S387A SB S2\" id=\"tt_162\">(23,775) </span><span class=\"S387B SB S2\" id=\"tu_162\">2022 </span><span class=\"S387C SA7 S2\" id=\"tv_162\">Net assets total </span><span class=\"S387D SA7 S2\" id=\"tw_162\">(23,775) </span><span class=\"S387E SA7 S2\" id=\"tx_162\">Non-controlling interest </span><span class=\"S339E SA7 S2\" id=\"ty_162\">- </span><span class=\"S387F SA7 S2\" id=\"tz_162\">Negative goodwill </span><span class=\"S3880 SA7 S2\" id=\"t10_162\">3,784 </span><span class=\"S3881 SB S2\" id=\"t11_162\">Net cash </span><span class=\"S3882 SB S2\" id=\"t12_162\">(19,991) </span><span class=\"S3883 SA7 S2\" id=\"t13_162\">Cash acquired on purchase </span><span class=\"S3884 SA7 S2\" id=\"t14_162\">58,880 </span><span class=\"S3885 SB S2\" id=\"t15_162\">Net cash paid for acquisition </span><span class=\"S3886 SB S2\" id=\"t16_162\">38,889 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f19510": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_163\">NOTE 43: </span><span class=\"S153B SB S2\" id=\"t4_163\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) </span><span class=\"S389E SA7 S2\" id=\"t5_163\">The control is established when the Group has the right and exposure over the variable positive yield of the investee </span><span class=\"S389F SA7 S2\" id=\"t6_163\">but the same time put up with the consequences of the negative returns and the Group by its decisions is able to </span><span class=\"S38A0 SA7 S2\" id=\"t7_163\">influence the extent of the yields. </span><span class=\"S38A1 SA7 S2\" id=\"t8_163\">The Group primarily considering the following factors in the process of determining the existing of the control: </span><span class=\"S38A2 SA7 S2\" id=\"t9_163\">- investigation of the decision-making mechanism of the entity, </span><span class=\"S38A3 SA7 S2\" id=\"ta_163\">- authority of the Board of Directors, Supervisory Board and General meeting based on the deed of association, </span><span class=\"S38A4 SA7 S2\" id=\"tb_163\">- existence of investments with preferential voting rights. </span><span class=\"S779 S5B9 S2\" id=\"tc_163\">If the control can\u2019t be obviously determined, then it should be supposed that the control does </span><span class=\"S38A5 SA7 S2\" id=\"td_163\">not exist. </span><span class=\"S38A6 SA7 S2\" id=\"te_163\">Significant influence is presumed by the Group to exist </span><span class=\"S38A7 S5B9 S2\" id=\"tf_163\">\u2013 </span><span class=\"S38A8 SA7 S2\" id=\"tg_163\">unless the contrary case is proven </span><span class=\"S38A9 S5B9 S2\" id=\"th_163\">\u2013 </span><span class=\"S38AA SA7 S2\" id=\"ti_163\">when the Group </span><span class=\"S9F9 SA7 S2\" id=\"tj_163\">holds 20% or more of the voting power of an investee but does not have a control. </span><span class=\"S38AB SA7 S2\" id=\"tk_163\">Investments in companies in which the Bank has a controlling interest are detailed below. They are fully </span><span class=\"S38AC SA7 S2\" id=\"tl_163\">consolidated companies and incorporated in Hungary unless otherwise stated. The Group considers a subsidiary </span><span class=\"S38AD SA7 S2\" id=\"tm_163\">significant when it is a financial institution or when the subsidiary contributes to the Grou</span><span class=\"S38AE S5B9 S2\" id=\"tn_163\">ps\u2019 total balance sheet </span><span class=\"S38AF SA7 S2\" id=\"to_163\">with higher amount. The Bank considers the subsidiaries as cash generating units. </span><span class=\"S38B1 SB S2\" id=\"t5_164\">Significant subsidiaries </span><span class=\"S38B2 SB S2\" id=\"t6_164\">Name </span><span class=\"S38B3 SB S2\" id=\"t7_164\">Ownership (Direct and </span><span class=\"S38B4 SB S2\" id=\"t8_164\">Indirect) </span><span class=\"S38B5 SB S2\" id=\"t9_164\">Activity </span><span class=\"S38B6 SB S2\" id=\"ta_164\">2022 </span><span class=\"S38B7 SB S2\" id=\"tb_164\">2021 </span><span class=\"S38B8 SA7 S2\" id=\"tc_164\">DSK Bank AD (Bulgaria) </span><span class=\"S38B9 SA7 S2\" id=\"td_164\">99.92% </span><span class=\"S38BA SA7 S2\" id=\"te_164\">99.91% </span><span class=\"S38BB SA7 S2\" id=\"tf_164\">commercial banking services </span><span class=\"S38BC SA7 S2\" id=\"tg_164\">OTP Bank JSC (Ukraine) </span><span class=\"S38BD SA7 S2\" id=\"th_164\">100.00% </span><span class=\"S38BE SA7 S2\" id=\"ti_164\">100.00% </span><span class=\"S38BF SA7 S2\" id=\"tj_164\">commercial banking services </span><span class=\"S38C0 S5B9 S2\" id=\"tk_164\">JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S38C1 SA7 S2\" id=\"tl_164\">97.92% </span><span class=\"S38C2 SA7 S2\" id=\"tm_164\">97.92% </span><span class=\"S38C3 SA7 S2\" id=\"tn_164\">commercial banking services </span><span class=\"S38C4 SA7 S2\" id=\"to_164\">OTP banka d.d. (Croatia) </span><span class=\"S38C5 SA7 S2\" id=\"tp_164\">100.00% </span><span class=\"S38C6 SA7 S2\" id=\"tq_164\">100.00% </span><span class=\"S38C7 SA7 S2\" id=\"tr_164\">commercial banking services </span><span class=\"S38C8 SA7 S2\" id=\"ts_164\">OTP Bank Romania S.A. (Romania) </span><span class=\"S38C9 SA7 S2\" id=\"tt_164\">100.00% </span><span class=\"S38CA SA7 S2\" id=\"tu_164\">100.00% </span><span class=\"S38CB SA7 S2\" id=\"tv_164\">commercial banking services </span><span class=\"S20BE SA7 S2\" id=\"tw_164\">OTP banka Srbija a.d. Novi Sad (Serbia) </span><span class=\"S38CC SA7 S2\" id=\"tx_164\">100.00% </span><span class=\"S38CD SA7 S2\" id=\"ty_164\">100.00% </span><span class=\"S38CE SA7 S2\" id=\"tz_164\">commercial banking services </span><span class=\"S38CF SA7 S2\" id=\"t10_164\">Crnogorska komercijalna banka a.d. (Montenegro) </span><span class=\"S38D0 SA7 S2\" id=\"t11_164\">100.00% </span><span class=\"S38D1 SA7 S2\" id=\"t12_164\">100.00% </span><span class=\"S38D2 SA7 S2\" id=\"t13_164\">commercial banking services </span><span class=\"S38D3 SA7 S2\" id=\"t14_164\">Banka OTP Albania SH.A. (Albania) </span><span class=\"S38D4 SA7 S2\" id=\"t15_164\">100.00% </span><span class=\"S38D5 SA7 S2\" id=\"t16_164\">100.00% </span><span class=\"S38D6 SA7 S2\" id=\"t17_164\">commercial banking services </span><span class=\"S38D7 SA7 S2\" id=\"t18_164\">OTP Bank S.A. (Moldova) </span><span class=\"S38D8 SA7 S2\" id=\"t19_164\">98.26% </span><span class=\"S38D9 SA7 S2\" id=\"t1a_164\">98.26% </span><span class=\"S38DA SA7 S2\" id=\"t1b_164\">commercial banking services </span><span class=\"S38DB SA7 S2\" id=\"t1c_164\">SKB Banka d.d. Ljubljana (Slovenia) </span><span class=\"S38DC SA7 S2\" id=\"t1d_164\">100.00% </span><span class=\"S38DD SA7 S2\" id=\"t1e_164\">100.00% </span><span class=\"S38DE SA7 S2\" id=\"t1f_164\">commercial banking services </span><span class=\"S38DF SA7 S2\" id=\"t1g_164\">OTP Financing Malta Company Ltd. (Malta) </span><span class=\"S38E0 SA7 S2\" id=\"t1h_164\">100.00% </span><span class=\"S38E1 SA7 S2\" id=\"t1i_164\">100.00% </span><span class=\"S38E2 SA7 S2\" id=\"t1j_164\">refinancing activities </span><span class=\"S38E3 SA7 S2\" id=\"t1k_164\">OTP Financing Netherlands B.V. (the Netherlands) </span><span class=\"S38E4 SA7 S2\" id=\"t1l_164\">100.00% </span><span class=\"S38E5 SA7 S2\" id=\"t1m_164\">100.00% </span><span class=\"S38E6 SA7 S2\" id=\"t1n_164\">refinancing activities </span><span class=\"S38E7 SA7 S2\" id=\"t1o_164\">OTP Holding Ltd. (Cyprus) </span><span class=\"S38E8 SA7 S2\" id=\"t1p_164\">100.00% </span><span class=\"S38E9 SA7 S2\" id=\"t1q_164\">100.00% </span><span class=\"S38EA SA7 S2\" id=\"t1r_164\">refinancing activities </span><span class=\"S38EB SA7 S2\" id=\"t1s_164\">OTP Factoring Ltd. </span><span class=\"S38EC SA7 S2\" id=\"t1t_164\">100.00% </span><span class=\"S38ED SA7 S2\" id=\"t1u_164\">100.00% </span><span class=\"S38EE SA7 S2\" id=\"t1v_164\">work-out </span><span class=\"S38EF SA7 S2\" id=\"t1w_164\">OTP Mortgage Bank Ltd. </span><span class=\"S38F0 SA7 S2\" id=\"t1x_164\">100.00% </span><span class=\"S38F1 SA7 S2\" id=\"t1y_164\">100.00% </span><span class=\"S38F2 SA7 S2\" id=\"t1z_164\">mortgage lending </span><span class=\"S38F3 SA7 S2\" id=\"t20_164\">OTP Real Estate Ltd. </span><span class=\"S38F4 SA7 S2\" id=\"t21_164\">100.00% </span><span class=\"S38F5 SA7 S2\" id=\"t22_164\">100.00% </span><span class=\"S38F6 SA7 S2\" id=\"t23_164\">real estate management and development </span><span class=\"S38F7 SA7 S2\" id=\"t24_164\">Merkantil Bank Ltd. </span><span class=\"S38F8 SA7 S2\" id=\"t25_164\">100.00% </span><span class=\"S38F9 SA7 S2\" id=\"t26_164\">100.00% </span><span class=\"S38FA SA7 S2\" id=\"t27_164\">finance lease </span><span class=\"S38FB SA7 S2\" id=\"t28_164\">OTP Building Society Ltd. </span><span class=\"S38FC SA7 S2\" id=\"t29_164\">100.00% </span><span class=\"S38FD SA7 S2\" id=\"t2a_164\">100.00% </span><span class=\"S38FE SA7 S2\" id=\"t2b_164\">housing savings and loan </span><span class=\"S38FF SA7 S2\" id=\"t2c_164\">OTP Fund Management Ltd. </span><span class=\"S3900 SA7 S2\" id=\"t2d_164\">100.00% </span><span class=\"S3901 SA7 S2\" id=\"t2e_164\">100.00% </span><span class=\"S3902 SA7 S2\" id=\"t2f_164\">fund management </span><span class=\"S3903 SA7 S2\" id=\"t2g_164\">Bank Center No. 1. Ltd. </span><span class=\"S3904 SA7 S2\" id=\"t2h_164\">100.00% </span><span class=\"S3905 SA7 S2\" id=\"t2i_164\">100.00% </span><span class=\"S3906 SA7 S2\" id=\"t2j_164\">real estate lease </span><span class=\"S3907 S5B9 S2\" id=\"t2k_164\">Inga Kett\u0151 </span><span class=\"S3908 SA7 S2\" id=\"t2l_164\">Ltd. </span><span class=\"S3909 SA7 S2\" id=\"t2m_164\">100.00% </span><span class=\"S390A SA7 S2\" id=\"t2n_164\">100.00% </span><span class=\"S390B SA7 S2\" id=\"t2o_164\">property management </span><span class=\"S390C SA7 S2\" id=\"t2p_164\">OTP Funds Servicing and Consulting Ltd. </span><span class=\"S390D SA7 S2\" id=\"t2q_164\">100.00% </span><span class=\"S390E SA7 S2\" id=\"t2r_164\">100.00% </span><span class=\"S390F SA7 S2\" id=\"t2s_164\">fund services </span><span class=\"S3910 SA7 S2\" id=\"t2t_164\">OTP Real Estate Leasing Ltd. </span><span class=\"S3911 SA7 S2\" id=\"t2u_164\">100.00% </span><span class=\"S3912 SA7 S2\" id=\"t2v_164\">100.00% </span><span class=\"S3913 SA7 S2\" id=\"t2w_164\">real estate leasing </span><span class=\"S3916 SB S2\" id=\"t5_165\">Significant associates and joint ventures </span><span class=\"S3917 SA7 S2\" id=\"t6_165\">Summarized financial and non-financial information of associates which are accounted according to IAS 28 and in line with IFRS 9 as at 31 December 2022 is as follows: </span><span class=\"S3918 S27D S2\" id=\"t7_165\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t8_165\">Carrying </span><span class=\"S391A S27D S2\" id=\"t9_165\">amount </span><span class=\"S391B S27D S2\" id=\"ta_165\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tb_165\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"tc_165\">Profit after </span><span class=\"S391E S27D S2\" id=\"td_165\">tax </span><span class=\"S391F S27D S2\" id=\"te_165\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tf_165\">Activity </span><span class=\"S3921 S27E S2\" id=\"tg_165\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"th_165\">520 </span><span class=\"S3923 S27E S2\" id=\"ti_165\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tj_165\">(52) </span><span class=\"S3925 S27E S2\" id=\"tk_165\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tl_165\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tm_165\">OTP-</span><span class=\"S3928 S27F S2\" id=\"tn_165\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"to_165\">683 </span><span class=\"S392A S27E S2\" id=\"tp_165\">22.00% </span><span class=\"S392B S27E S2\" id=\"tq_165\">13 </span><span class=\"S392C S27E S2\" id=\"tr_165\">Hungary /Budapest </span><span class=\"S392D S27E S2\" id=\"ts_165\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tt_165\">D-</span><span class=\"S392F S27F S2\" id=\"tu_165\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tv_165\">- </span><span class=\"S3931 S27E S2\" id=\"tw_165\">46.99% </span><span class=\"S3932 S27E S2\" id=\"tx_165\">- </span><span class=\"S3933 S27F S2\" id=\"ty_165\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"tz_165\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t10_165\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t11_165\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t12_165\">392 </span><span class=\"S3938 S27E S2\" id=\"t13_165\">25.00% </span><span class=\"S3939 S27E S2\" id=\"t14_165\">183 </span><span class=\"S393A S27E S2\" id=\"t15_165\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t16_165\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t17_165\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t18_165\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t19_165\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1a_165\">822 </span><span class=\"S3940 S27E S2\" id=\"t1b_165\">23.54% </span><span class=\"S3941 S27E S2\" id=\"t1c_165\">(516) </span><span class=\"S3942 S27E S2\" id=\"t1d_165\">Poland / Krakow </span><span class=\"S3943 S27E S2\" id=\"t1e_165\">Computer programming activities </span><span class=\"S3944 S27E S2\" id=\"t1f_165\">NovaKid Inc. </span><span class=\"S3945 S27E S2\" id=\"t1g_165\">1,723 </span><span class=\"S3946 S27E S2\" id=\"t1h_165\">4.07% </span><span class=\"S3947 S27E S2\" id=\"t1i_165\">(5,409) </span><span class=\"S3948 S27E S2\" id=\"t1j_165\">USA / San Francisco </span><span class=\"S3949 S27E S2\" id=\"t1k_165\">Online kids English learning platform operator </span><span class=\"S394A S27E S2\" id=\"t1l_165\">Banzai Cloud Closed Co. Plc </span><span class=\"S394B S27E S2\" id=\"t1m_165\">216 </span><span class=\"S394C S27E S2\" id=\"t1n_165\">17.42% </span><span class=\"S394D S27E S2\" id=\"t1o_165\">267 </span><span class=\"S394E S27E S2\" id=\"t1p_165\">Hungary /Budapest </span><span class=\"S394F S27E S2\" id=\"t1q_165\">Computer programming activities </span><span class=\"S3950 S27E S2\" id=\"t1r_165\">ClodeCool Ltd </span><span class=\"S3951 S27E S2\" id=\"t1s_165\">1,323 </span><span class=\"S3952 S27E S2\" id=\"t1t_165\">20.15% </span><span class=\"S3953 S27E S2\" id=\"t1u_165\">1 </span><span class=\"S3954 S27E S2\" id=\"t1v_165\">Hungary /Budapest </span><span class=\"S3955 S27E S2\" id=\"t1w_165\">Other education </span><span class=\"S3956 S27E S2\" id=\"t1x_165\">Pepita.hu Closed Co. Plc </span><span class=\"S3957 S27E S2\" id=\"t1y_165\">1,323 </span><span class=\"S3958 S27E S2\" id=\"t1z_165\">40.00% </span><span class=\"S3959 S27E S2\" id=\"t20_165\">(157) </span><span class=\"S395A S27E S2\" id=\"t21_165\">Hungary / Szeghalom </span><span class=\"S395B S27E S2\" id=\"t22_165\">Retail sale via mail order houses or via Internet </span><span class=\"S395C S27E S2\" id=\"t23_165\">Seon Holdings Ltd </span><span class=\"S395D S27E S2\" id=\"t24_165\">8,689 </span><span class=\"S395E S27E S2\" id=\"t25_165\">19.26% </span><span class=\"S395F S27E S2\" id=\"t26_165\">(3) </span><span class=\"S3960 S27E S2\" id=\"t27_165\">UK / London </span><span class=\"S3961 S27E S2\" id=\"t28_165\">Computer programming activities </span><span class=\"S3962 S27E S2\" id=\"t29_165\">VCC Live Group Closed Co. Plc </span><span class=\"S3963 S27E S2\" id=\"t2a_165\">1,308 </span><span class=\"S3964 S27E S2\" id=\"t2b_165\">24.75% </span><span class=\"S3965 S27E S2\" id=\"t2c_165\">(226) </span><span class=\"S3966 S27E S2\" id=\"t2d_165\">Hungary /Budapest </span><span class=\"S3967 S27E S2\" id=\"t2e_165\">Computer programming activities </span><span class=\"S3968 S27E S2\" id=\"t2f_165\">Cursor Insight Ltd </span><span class=\"S3969 S27E S2\" id=\"t2g_165\">75 </span><span class=\"S396A S27E S2\" id=\"t2h_165\">6.75% </span><span class=\"S396B S27E S2\" id=\"t2i_165\">n.a. </span><span class=\"S396C S27E S2\" id=\"t2j_165\">UK / London </span><span class=\"S396D S27E S2\" id=\"t2k_165\">Computer programming activities </span><span class=\"S396E S27E S2\" id=\"t2l_165\">Fabetker Ltd </span><span class=\"S396F S27E S2\" id=\"t2m_165\">1 </span><span class=\"S3970 S27E S2\" id=\"t2n_165\">20.48% </span><span class=\"S3971 S27E S2\" id=\"t2o_165\">135 </span><span class=\"S3972 S27F S2\" id=\"t2p_165\">Hungary / N\u00e1dudvar </span><span class=\"S3973 S27E S2\" id=\"t2q_165\">Manufacture of concrete products for construction purposes </span><span class=\"S3974 S27E S2\" id=\"t2r_165\">OneSoil Ag. </span><span class=\"S3975 S27E S2\" id=\"t2s_165\">362 </span><span class=\"S3976 S27E S2\" id=\"t2t_165\">3.72% </span><span class=\"S3977 S27E S2\" id=\"t2u_165\">(514) </span><span class=\"S3978 S27E S2\" id=\"t2v_165\">Switzerland / Zurich </span><span class=\"S3979 S27E S2\" id=\"t2w_165\">Computer programming activities </span><span class=\"S397A S27F S2\" id=\"t2x_165\">Packhelp Sp\u00f3\u0142ka Akcyjna </span><span class=\"S397B S27E S2\" id=\"t2y_165\">1,168 </span><span class=\"S397C S27E S2\" id=\"t2z_165\">3.15% </span><span class=\"S397D S27E S2\" id=\"t30_165\">(3,385) </span><span class=\"S397E S27E S2\" id=\"t31_165\">Poland / Warsaw </span><span class=\"S397F S27E S2\" id=\"t32_165\">Manufacture of corrugated paper and paperboard </span><span class=\"S3980 S27E S2\" id=\"t33_165\">and of containers of paper and paperboard </span><span class=\"S3981 S27E S2\" id=\"t34_165\">Phoenix Play Invest closed Co. Plc </span><span class=\"S3982 S27E S2\" id=\"t35_165\">2,350 </span><span class=\"S3983 S27E S2\" id=\"t36_165\">21.69% </span><span class=\"S3984 S27E S2\" id=\"t37_165\">(1) </span><span class=\"S3985 S27E S2\" id=\"t38_165\">Hungary /Budapest </span><span class=\"S3986 S27E S2\" id=\"t39_165\">Activities of holding companies </span><span class=\"S3987 S27E S2\" id=\"t3a_165\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3988 S27E S2\" id=\"t3b_165\">8,195 </span><span class=\"S3989 S27E S2\" id=\"t3c_165\">21.69% </span><span class=\"S398A S27E S2\" id=\"t3d_165\">792 </span><span class=\"S398B S27E S2\" id=\"t3e_165\">Hungary /Budapest </span><span class=\"S398C S27E S2\" id=\"t3f_165\">Activities of holding companies </span><span class=\"S398D S27E S2\" id=\"t3g_165\">NGY Propertiers Investment SRL </span><span class=\"S398E S27E S2\" id=\"t3h_165\">11,735 </span><span class=\"S398F S27E S2\" id=\"t3i_165\">14.54% </span><span class=\"S3990 S27E S2\" id=\"t3j_165\">(22,567) </span><span class=\"S3991 S27E S2\" id=\"t3k_165\">Romania / Bucharest </span><span class=\"S3992 S27E S2\" id=\"t3l_165\">Renting and operating of own or leased real estate </span><span class=\"S3993 S27E S2\" id=\"t3m_165\">Deligo Vision Technologies Ltd </span><span class=\"S3994 S27E S2\" id=\"t3n_165\">205 </span><span class=\"S3995 S27E S2\" id=\"t3o_165\">2.50% </span><span class=\"S3996 S27E S2\" id=\"t3p_165\">(15) </span><span class=\"S3997 S27E S2\" id=\"t3q_165\">Hungary /Budapest </span><span class=\"S3998 S27E S2\" id=\"t3r_165\">Other information service activities </span><span class=\"S3999 S27E S2\" id=\"t3s_165\">GRADUW Invest Closed Co. Plc </span><span class=\"S399A S27E S2\" id=\"t3t_165\">4,803 </span><span class=\"S399B S27E S2\" id=\"t3u_165\">3.81% </span><span class=\"S399C S27E S2\" id=\"t3v_165\">131 </span><span class=\"S399D S27E S2\" id=\"t3w_165\">Hungary /Budapest </span><span class=\"S399E S27E S2\" id=\"t3x_165\">Sale and purchase of own real estate </span><span class=\"S399F S27E S2\" id=\"t3y_165\">SEH-Partner Ltd </span><span class=\"S39A0 S27E S2\" id=\"t3z_165\">6,403 </span><span class=\"S39A1 S27E S2\" id=\"t40_165\">30.56% </span><span class=\"S39A2 S27E S2\" id=\"t41_165\">n.a. </span><span class=\"S39A3 S27E S2\" id=\"t42_165\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t43_165\">Activities of holding companies </span><span class=\"S39A5 S27F S2\" id=\"t44_165\">Simonyi \u00fat 20. Ingatlanhasznos\u00edt\u00f3 Ltd </span><span class=\"S39A6 S27E S2\" id=\"t45_165\">90 </span><span class=\"S39A7 S27E S2\" id=\"t46_165\">47.62% </span><span class=\"S39A8 S27E S2\" id=\"t47_165\">- </span><span class=\"S39A9 S27E S2\" id=\"t48_165\">Hungary /Debrecen </span><span class=\"S39AA S27E S2\" id=\"t49_165\">Renting and operating of own or leased real estate </span><span class=\"S39AB S27E S2\" id=\"t4a_165\">Fintech CEE Software Invest Ltd </span><span class=\"S39AC S27E S2\" id=\"t4b_165\">127 </span><span class=\"S39AD S27E S2\" id=\"t4c_165\">20.04% </span><span class=\"S39AE S27E S2\" id=\"t4d_165\">n.a. </span><span class=\"S39AF S27E S2\" id=\"t4e_165\">Hungary /Budapest </span><span class=\"S39B0 S27E S2\" id=\"t4f_165\">Activities of holding companies </span><span class=\"S39B1 S27E S2\" id=\"t4g_165\">New Frontier Technology Invest SARL </span><span class=\"S39B2 S27E S2\" id=\"t4h_165\">3,393 </span><span class=\"S39B3 S27E S2\" id=\"t4i_165\">14.01% </span><span class=\"S39B4 S27E S2\" id=\"t4j_165\">n.a. </span><span class=\"S39B5 S27E S2\" id=\"t4k_165\">Luxemburg / Luxembourg </span><span class=\"S39B6 S27E S2\" id=\"t4l_165\">Activities of holding companies </span><span class=\"S39B7 S27E S2\" id=\"t4m_165\">Mindgram sp. z.o.o </span><span class=\"S39B8 S27E S2\" id=\"t4n_165\">200 </span><span class=\"S39B9 S27E S2\" id=\"t4o_165\">2.38% </span><span class=\"S39BA S27E S2\" id=\"t4p_165\">(328) </span><span class=\"S39BB S27E S2\" id=\"t4q_165\">Poland / Warsaw </span><span class=\"S39BC S27E S2\" id=\"t4r_165\">Other human health activities </span><span class=\"S39BD SB S2\" id=\"t5_166\">Significant associates and joint ventures [continued] </span><span class=\"S39BE SA7 S2\" id=\"t6_166\">The Group made significant investments into associates during 2021. Venture capital funds under the control of the Group obtained ownership interest in Phoenix Play Invest </span><span class=\"S1FD1 SA7 S2\" id=\"t7_166\">Co.Plc, in Algorithmiq Invest Closed Co. Plc and in NGY Propertiers Investment SRL. </span><span class=\"S3918 S27D S2\" id=\"t8_166\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t9_166\">Carrying </span><span class=\"S39BF S27D S2\" id=\"ta_166\">amount </span><span class=\"S391B S27D S2\" id=\"tb_166\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tc_166\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"td_166\">Profit after </span><span class=\"S391E S27D S2\" id=\"te_166\">tax </span><span class=\"S391F S27D S2\" id=\"tf_166\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tg_166\">Activity </span><span class=\"S3921 S27E S2\" id=\"th_166\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"ti_166\">526 </span><span class=\"S3923 S27E S2\" id=\"tj_166\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tk_166\">(52) </span><span class=\"S3925 S27E S2\" id=\"tl_166\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tm_166\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tn_166\">OTP-</span><span class=\"S3928 S27F S2\" id=\"to_166\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"tp_166\">288 </span><span class=\"S392A S27E S2\" id=\"tq_166\">22.00% </span><span class=\"S392B S27E S2\" id=\"tr_166\">13 </span><span class=\"S392C S27E S2\" id=\"ts_166\">Hungary /Budapest </span><span class=\"S39C0 S27E S2\" id=\"tt_166\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tu_166\">D-</span><span class=\"S392F S27F S2\" id=\"tv_166\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tw_166\">- </span><span class=\"S3931 S27E S2\" id=\"tx_166\">46.99% </span><span class=\"S3932 S27E S2\" id=\"ty_166\">- </span><span class=\"S3933 S27F S2\" id=\"tz_166\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"t10_166\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t11_166\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t12_166\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t13_166\">392 </span><span class=\"S3938 S27E S2\" id=\"t14_166\">25.00% </span><span class=\"S39C1 S27E S2\" id=\"t15_166\">(183) </span><span class=\"S393A S27E S2\" id=\"t16_166\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t17_166\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t18_166\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t19_166\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t1a_166\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1b_166\">779 </span><span class=\"S3940 S27E S2\" id=\"t1c_166\">17.34% </span><span class=\"S3941 S27E S2\" id=\"t1d_166\">(293) </span><span class=\"S3942 S27E S2\" id=\"t1e_166\">Poland / Krakow </span><span class=\"S39C2 S27E S2\" id=\"t1f_166\">Computer programming activities </span><span class=\"S39C3 S27E S2\" id=\"t1g_166\">Graboplast Closed Co. Plc </span><span class=\"S39C4 S27E S2\" id=\"t1h_166\">700 </span><span class=\"S3946 S27E S2\" id=\"t1i_166\">7.00% </span><span class=\"S39C5 S27E S2\" id=\"t1j_166\">n.a. </span><span class=\"S39C6 S27E S2\" id=\"t1k_166\">Hungary / </span><span class=\"S39C7 S27F S2\" id=\"t1l_166\">Gy\u0151r </span><span class=\"S39C8 S27F S2\" id=\"t1m_166\">Manufacture of builders\u2019 ware of plastic </span><span class=\"S39C9 S27E S2\" id=\"t1n_166\">NovaKid Inc. </span><span class=\"S39CA S27E S2\" id=\"t1o_166\">2,006 </span><span class=\"S39CB S27E S2\" id=\"t1p_166\">4.17% </span><span class=\"S39CC S27E S2\" id=\"t1q_166\">(4,621) </span><span class=\"S39CD S27E S2\" id=\"t1r_166\">USA / San Francisco </span><span class=\"S39CE S27E S2\" id=\"t1s_166\">Online kids English learning platform operator </span><span class=\"S39CF S27E S2\" id=\"t1t_166\">Banzai Cloud Closed Co. Plc </span><span class=\"S39D0 S27E S2\" id=\"t1u_166\">374 </span><span class=\"S3952 S27E S2\" id=\"t1v_166\">17.42% </span><span class=\"S39D1 S27E S2\" id=\"t1w_166\">n.a. </span><span class=\"S3954 S27E S2\" id=\"t1x_166\">Hungary /Budapest </span><span class=\"S39D2 S27E S2\" id=\"t1y_166\">Computer programming activities </span><span class=\"S39D3 S27E S2\" id=\"t1z_166\">ClodeCool Ltd </span><span class=\"S3957 S27E S2\" id=\"t20_166\">1,770 </span><span class=\"S3958 S27E S2\" id=\"t21_166\">20.15% </span><span class=\"S39D4 S27E S2\" id=\"t22_166\">1 </span><span class=\"S39D5 S27E S2\" id=\"t23_166\">Hungary /Budapest </span><span class=\"S39D6 S27E S2\" id=\"t24_166\">Other education </span><span class=\"S39D7 S27E S2\" id=\"t25_166\">Pepita.hu Closed Co. Plc </span><span class=\"S39D8 S27E S2\" id=\"t26_166\">516 </span><span class=\"S395E S27E S2\" id=\"t27_166\">34.00% </span><span class=\"S39D9 S27E S2\" id=\"t28_166\">(132) </span><span class=\"S39DA S27E S2\" id=\"t29_166\">Hungary / Szeghalom </span><span class=\"S39DB S27E S2\" id=\"t2a_166\">Retail sale via mail order houses or via Internet </span><span class=\"S39DC S27E S2\" id=\"t2b_166\">Seon Holdings Ltd </span><span class=\"S3963 S27E S2\" id=\"t2c_166\">4,756 </span><span class=\"S3964 S27E S2\" id=\"t2d_166\">23.86% </span><span class=\"S39DD S27E S2\" id=\"t2e_166\">(4) </span><span class=\"S39DE S27E S2\" id=\"t2f_166\">UK / London </span><span class=\"S39DF S27E S2\" id=\"t2g_166\">Computer programming activities </span><span class=\"S39E0 S27E S2\" id=\"t2h_166\">Starschema Ltd </span><span class=\"S39E1 S27E S2\" id=\"t2i_166\">3,944 </span><span class=\"S39E2 S27E S2\" id=\"t2j_166\">36.19% </span><span class=\"S396B S27E S2\" id=\"t2k_166\">n.a. </span><span class=\"S39E3 S27E S2\" id=\"t2l_166\">Hungary /Budapest </span><span class=\"S39E4 S27E S2\" id=\"t2m_166\">Computer consultancy activities </span><span class=\"S39E5 S27E S2\" id=\"t2n_166\">VCC Live Group Closed Co. Plc </span><span class=\"S39E6 S27E S2\" id=\"t2o_166\">1,672 </span><span class=\"S3970 S27E S2\" id=\"t2p_166\">49.56% </span><span class=\"S39E7 S27E S2\" id=\"t2q_166\">(203) </span><span class=\"S39E8 S27E S2\" id=\"t2r_166\">Hungary /Budapest </span><span class=\"S39E9 S27E S2\" id=\"t2s_166\">Computer programming activities </span><span class=\"S39EA S27E S2\" id=\"t2t_166\">Virtual Solutaion Ltd </span><span class=\"S39EB S27E S2\" id=\"t2u_166\">n.a. </span><span class=\"S3976 S27E S2\" id=\"t2v_166\">8.33% </span><span class=\"S39EC S27E S2\" id=\"t2w_166\">n.a. </span><span class=\"S39ED S27E S2\" id=\"t2x_166\">Hungary /Budapest </span><span class=\"S3979 S27E S2\" id=\"t2y_166\">Computer programming activities </span><span class=\"S39EE S27E S2\" id=\"t2z_166\">Yieldigo s.r.o. </span><span class=\"S39EF S27E S2\" id=\"t30_166\">76 </span><span class=\"S397C S27E S2\" id=\"t31_166\">1.97% </span><span class=\"S39F0 S27E S2\" id=\"t32_166\">(168) </span><span class=\"S39F1 S27E S2\" id=\"t33_166\">Czech Republic / Prague </span><span class=\"S397F S27E S2\" id=\"t34_166\">Computer programming activities </span><span class=\"S39F2 S27E S2\" id=\"t35_166\">Szallas.hu Closed Co. Plc </span><span class=\"S39F3 S1F81 S2\" id=\"t36_166\">1 </span><span class=\"S39F4 S27E S2\" id=\"t37_166\">8,809 </span><span class=\"S39F5 S27E S2\" id=\"t38_166\">51.19% </span><span class=\"S39F6 S27E S2\" id=\"t39_166\">1,278 </span><span class=\"S39F7 S27E S2\" id=\"t3a_166\">Hungary / Miskolc </span><span class=\"S39F8 S27E S2\" id=\"t3b_166\">Web portals </span><span class=\"S39F9 S27E S2\" id=\"t3c_166\">Cursor Insight Ltd </span><span class=\"S39FA S27E S2\" id=\"t3d_166\">146 </span><span class=\"S39FB S27E S2\" id=\"t3e_166\">6.75% </span><span class=\"S39FC S27E S2\" id=\"t3f_166\">(247) </span><span class=\"S39FD S27E S2\" id=\"t3g_166\">UK / London </span><span class=\"S39FE S27E S2\" id=\"t3h_166\">Computer programming activities </span><span class=\"S39FF S27E S2\" id=\"t3i_166\">Fabetker Ltd </span><span class=\"S3A00 S27E S2\" id=\"t3j_166\">1 </span><span class=\"S3989 S27E S2\" id=\"t3k_166\">20.48% </span><span class=\"S398A S27E S2\" id=\"t3l_166\">132 </span><span class=\"S3A01 S27F S2\" id=\"t3m_166\">Hungary / N\u00e1dudvar </span><span class=\"S3A02 S27E S2\" id=\"t3n_166\">Manufacture of concrete products for construction purposes </span><span class=\"S3A03 S27E S2\" id=\"t3o_166\">OneSoil Ag. </span><span class=\"S3A04 S27E S2\" id=\"t3p_166\">318 </span><span class=\"S3A05 S27E S2\" id=\"t3q_166\">3.72% </span><span class=\"S3A06 S27E S2\" id=\"t3r_166\">(1,058) </span><span class=\"S3A07 S27E S2\" id=\"t3s_166\">Switzerland / Zurich </span><span class=\"S3A08 S27E S2\" id=\"t3t_166\">Computer programming activities </span><span class=\"S3A09 S27F S2\" id=\"t3u_166\">Packhelp Sp\u00f3\u0142ka </span><span class=\"S3A0A S27E S2\" id=\"t3v_166\">Akcyjna </span><span class=\"S3A0B S27E S2\" id=\"t3w_166\">2,160 </span><span class=\"S3995 S27E S2\" id=\"t3x_166\">1.00% </span><span class=\"S3A0C S27E S2\" id=\"t3y_166\">(3,038) </span><span class=\"S3A0D S27E S2\" id=\"t3z_166\">Poland / Warsaw </span><span class=\"S3A0E S27E S2\" id=\"t40_166\">Manufacture of corrugated paper and paperboard </span><span class=\"S3A0F S27E S2\" id=\"t41_166\">and of containers of paper and paperboard </span><span class=\"S3A10 S27E S2\" id=\"t42_166\">Phoenix Play Invest closed Co. Plc </span><span class=\"S39A0 S27E S2\" id=\"t43_166\">3,081 </span><span class=\"S39A1 S27E S2\" id=\"t44_166\">21.69% </span><span class=\"S3A11 S27E S2\" id=\"t45_166\">(1) </span><span class=\"S39A3 S27E S2\" id=\"t46_166\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t47_166\">Activities of holding companies </span><span class=\"S3A12 S27E S2\" id=\"t48_166\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3A13 S27E S2\" id=\"t49_166\">8,996 </span><span class=\"S39A7 S27E S2\" id=\"t4a_166\">21.69% </span><span class=\"S3A14 S27E S2\" id=\"t4b_166\">792 </span><span class=\"S3A15 S27E S2\" id=\"t4c_166\">Hungary /Budapest </span><span class=\"S3A16 S27E S2\" id=\"t4d_166\">Activities of holding companies </span><span class=\"S3A17 S27E S2\" id=\"t4e_166\">NGY Propertiers Investment SRL </span><span class=\"S3A18 S27E S2\" id=\"t4f_166\">12,331 </span><span class=\"S39AD S27E S2\" id=\"t4g_166\">14.54% </span><span class=\"S3A19 S27E S2\" id=\"t4h_166\">(22,567) </span><span class=\"S3A1A S27E S2\" id=\"t4i_166\">Romania / Bucharest </span><span class=\"S3A1B S27E S2\" id=\"t4j_166\">Renting and operating of own or leased real estate </span><span class=\"S3A1C S482 S2\" id=\"t4k_166\">1 </span><span class=\"S3A1D S483 S2\" id=\"t4l_166\">It does not control another entity even though it holds more than half of the voting rights. </span>",
   "dimensions": {
    "concept": "otp:Disclosureofsignificantinvestmentsinsubsidiariesexplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f19511": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_163\">NOTE 43: </span><span class=\"S153B SB S2\" id=\"t4_163\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) </span><span class=\"S389E SA7 S2\" id=\"t5_163\">The control is established when the Group has the right and exposure over the variable positive yield of the investee </span><span class=\"S389F SA7 S2\" id=\"t6_163\">but the same time put up with the consequences of the negative returns and the Group by its decisions is able to </span><span class=\"S38A0 SA7 S2\" id=\"t7_163\">influence the extent of the yields. </span><span class=\"S38A1 SA7 S2\" id=\"t8_163\">The Group primarily considering the following factors in the process of determining the existing of the control: </span><span class=\"S38A2 SA7 S2\" id=\"t9_163\">- investigation of the decision-making mechanism of the entity, </span><span class=\"S38A3 SA7 S2\" id=\"ta_163\">- authority of the Board of Directors, Supervisory Board and General meeting based on the deed of association, </span><span class=\"S38A4 SA7 S2\" id=\"tb_163\">- existence of investments with preferential voting rights. </span><span class=\"S779 S5B9 S2\" id=\"tc_163\">If the control can\u2019t be obviously determined, then it should be supposed that the control does </span><span class=\"S38A5 SA7 S2\" id=\"td_163\">not exist. </span><span class=\"S38A6 SA7 S2\" id=\"te_163\">Significant influence is presumed by the Group to exist </span><span class=\"S38A7 S5B9 S2\" id=\"tf_163\">\u2013 </span><span class=\"S38A8 SA7 S2\" id=\"tg_163\">unless the contrary case is proven </span><span class=\"S38A9 S5B9 S2\" id=\"th_163\">\u2013 </span><span class=\"S38AA SA7 S2\" id=\"ti_163\">when the Group </span><span class=\"S9F9 SA7 S2\" id=\"tj_163\">holds 20% or more of the voting power of an investee but does not have a control. </span><span class=\"S38AB SA7 S2\" id=\"tk_163\">Investments in companies in which the Bank has a controlling interest are detailed below. They are fully </span><span class=\"S38AC SA7 S2\" id=\"tl_163\">consolidated companies and incorporated in Hungary unless otherwise stated. The Group considers a subsidiary </span><span class=\"S38AD SA7 S2\" id=\"tm_163\">significant when it is a financial institution or when the subsidiary contributes to the Grou</span><span class=\"S38AE S5B9 S2\" id=\"tn_163\">ps\u2019 total balance sheet </span><span class=\"S38AF SA7 S2\" id=\"to_163\">with higher amount. The Bank considers the subsidiaries as cash generating units. </span><span class=\"S38B1 SB S2\" id=\"t5_164\">Significant subsidiaries </span><span class=\"S38B2 SB S2\" id=\"t6_164\">Name </span><span class=\"S38B3 SB S2\" id=\"t7_164\">Ownership (Direct and </span><span class=\"S38B4 SB S2\" id=\"t8_164\">Indirect) </span><span class=\"S38B5 SB S2\" id=\"t9_164\">Activity </span><span class=\"S38B6 SB S2\" id=\"ta_164\">2022 </span><span class=\"S38B7 SB S2\" id=\"tb_164\">2021 </span><span class=\"S38B8 SA7 S2\" id=\"tc_164\">DSK Bank AD (Bulgaria) </span><span class=\"S38B9 SA7 S2\" id=\"td_164\">99.92% </span><span class=\"S38BA SA7 S2\" id=\"te_164\">99.91% </span><span class=\"S38BB SA7 S2\" id=\"tf_164\">commercial banking services </span><span class=\"S38BC SA7 S2\" id=\"tg_164\">OTP Bank JSC (Ukraine) </span><span class=\"S38BD SA7 S2\" id=\"th_164\">100.00% </span><span class=\"S38BE SA7 S2\" id=\"ti_164\">100.00% </span><span class=\"S38BF SA7 S2\" id=\"tj_164\">commercial banking services </span><span class=\"S38C0 S5B9 S2\" id=\"tk_164\">JSC \u201cOTP Bank\u201d (Russia) </span><span class=\"S38C1 SA7 S2\" id=\"tl_164\">97.92% </span><span class=\"S38C2 SA7 S2\" id=\"tm_164\">97.92% </span><span class=\"S38C3 SA7 S2\" id=\"tn_164\">commercial banking services </span><span class=\"S38C4 SA7 S2\" id=\"to_164\">OTP banka d.d. (Croatia) </span><span class=\"S38C5 SA7 S2\" id=\"tp_164\">100.00% </span><span class=\"S38C6 SA7 S2\" id=\"tq_164\">100.00% </span><span class=\"S38C7 SA7 S2\" id=\"tr_164\">commercial banking services </span><span class=\"S38C8 SA7 S2\" id=\"ts_164\">OTP Bank Romania S.A. (Romania) </span><span class=\"S38C9 SA7 S2\" id=\"tt_164\">100.00% </span><span class=\"S38CA SA7 S2\" id=\"tu_164\">100.00% </span><span class=\"S38CB SA7 S2\" id=\"tv_164\">commercial banking services </span><span class=\"S20BE SA7 S2\" id=\"tw_164\">OTP banka Srbija a.d. Novi Sad (Serbia) </span><span class=\"S38CC SA7 S2\" id=\"tx_164\">100.00% </span><span class=\"S38CD SA7 S2\" id=\"ty_164\">100.00% </span><span class=\"S38CE SA7 S2\" id=\"tz_164\">commercial banking services </span><span class=\"S38CF SA7 S2\" id=\"t10_164\">Crnogorska komercijalna banka a.d. (Montenegro) </span><span class=\"S38D0 SA7 S2\" id=\"t11_164\">100.00% </span><span class=\"S38D1 SA7 S2\" id=\"t12_164\">100.00% </span><span class=\"S38D2 SA7 S2\" id=\"t13_164\">commercial banking services </span><span class=\"S38D3 SA7 S2\" id=\"t14_164\">Banka OTP Albania SH.A. (Albania) </span><span class=\"S38D4 SA7 S2\" id=\"t15_164\">100.00% </span><span class=\"S38D5 SA7 S2\" id=\"t16_164\">100.00% </span><span class=\"S38D6 SA7 S2\" id=\"t17_164\">commercial banking services </span><span class=\"S38D7 SA7 S2\" id=\"t18_164\">OTP Bank S.A. (Moldova) </span><span class=\"S38D8 SA7 S2\" id=\"t19_164\">98.26% </span><span class=\"S38D9 SA7 S2\" id=\"t1a_164\">98.26% </span><span class=\"S38DA SA7 S2\" id=\"t1b_164\">commercial banking services </span><span class=\"S38DB SA7 S2\" id=\"t1c_164\">SKB Banka d.d. Ljubljana (Slovenia) </span><span class=\"S38DC SA7 S2\" id=\"t1d_164\">100.00% </span><span class=\"S38DD SA7 S2\" id=\"t1e_164\">100.00% </span><span class=\"S38DE SA7 S2\" id=\"t1f_164\">commercial banking services </span><span class=\"S38DF SA7 S2\" id=\"t1g_164\">OTP Financing Malta Company Ltd. (Malta) </span><span class=\"S38E0 SA7 S2\" id=\"t1h_164\">100.00% </span><span class=\"S38E1 SA7 S2\" id=\"t1i_164\">100.00% </span><span class=\"S38E2 SA7 S2\" id=\"t1j_164\">refinancing activities </span><span class=\"S38E3 SA7 S2\" id=\"t1k_164\">OTP Financing Netherlands B.V. (the Netherlands) </span><span class=\"S38E4 SA7 S2\" id=\"t1l_164\">100.00% </span><span class=\"S38E5 SA7 S2\" id=\"t1m_164\">100.00% </span><span class=\"S38E6 SA7 S2\" id=\"t1n_164\">refinancing activities </span><span class=\"S38E7 SA7 S2\" id=\"t1o_164\">OTP Holding Ltd. (Cyprus) </span><span class=\"S38E8 SA7 S2\" id=\"t1p_164\">100.00% </span><span class=\"S38E9 SA7 S2\" id=\"t1q_164\">100.00% </span><span class=\"S38EA SA7 S2\" id=\"t1r_164\">refinancing activities </span><span class=\"S38EB SA7 S2\" id=\"t1s_164\">OTP Factoring Ltd. </span><span class=\"S38EC SA7 S2\" id=\"t1t_164\">100.00% </span><span class=\"S38ED SA7 S2\" id=\"t1u_164\">100.00% </span><span class=\"S38EE SA7 S2\" id=\"t1v_164\">work-out </span><span class=\"S38EF SA7 S2\" id=\"t1w_164\">OTP Mortgage Bank Ltd. </span><span class=\"S38F0 SA7 S2\" id=\"t1x_164\">100.00% </span><span class=\"S38F1 SA7 S2\" id=\"t1y_164\">100.00% </span><span class=\"S38F2 SA7 S2\" id=\"t1z_164\">mortgage lending </span><span class=\"S38F3 SA7 S2\" id=\"t20_164\">OTP Real Estate Ltd. </span><span class=\"S38F4 SA7 S2\" id=\"t21_164\">100.00% </span><span class=\"S38F5 SA7 S2\" id=\"t22_164\">100.00% </span><span class=\"S38F6 SA7 S2\" id=\"t23_164\">real estate management and development </span><span class=\"S38F7 SA7 S2\" id=\"t24_164\">Merkantil Bank Ltd. </span><span class=\"S38F8 SA7 S2\" id=\"t25_164\">100.00% </span><span class=\"S38F9 SA7 S2\" id=\"t26_164\">100.00% </span><span class=\"S38FA SA7 S2\" id=\"t27_164\">finance lease </span><span class=\"S38FB SA7 S2\" id=\"t28_164\">OTP Building Society Ltd. </span><span class=\"S38FC SA7 S2\" id=\"t29_164\">100.00% </span><span class=\"S38FD SA7 S2\" id=\"t2a_164\">100.00% </span><span class=\"S38FE SA7 S2\" id=\"t2b_164\">housing savings and loan </span><span class=\"S38FF SA7 S2\" id=\"t2c_164\">OTP Fund Management Ltd. </span><span class=\"S3900 SA7 S2\" id=\"t2d_164\">100.00% </span><span class=\"S3901 SA7 S2\" id=\"t2e_164\">100.00% </span><span class=\"S3902 SA7 S2\" id=\"t2f_164\">fund management </span><span class=\"S3903 SA7 S2\" id=\"t2g_164\">Bank Center No. 1. Ltd. </span><span class=\"S3904 SA7 S2\" id=\"t2h_164\">100.00% </span><span class=\"S3905 SA7 S2\" id=\"t2i_164\">100.00% </span><span class=\"S3906 SA7 S2\" id=\"t2j_164\">real estate lease </span><span class=\"S3907 S5B9 S2\" id=\"t2k_164\">Inga Kett\u0151 </span><span class=\"S3908 SA7 S2\" id=\"t2l_164\">Ltd. </span><span class=\"S3909 SA7 S2\" id=\"t2m_164\">100.00% </span><span class=\"S390A SA7 S2\" id=\"t2n_164\">100.00% </span><span class=\"S390B SA7 S2\" id=\"t2o_164\">property management </span><span class=\"S390C SA7 S2\" id=\"t2p_164\">OTP Funds Servicing and Consulting Ltd. </span><span class=\"S390D SA7 S2\" id=\"t2q_164\">100.00% </span><span class=\"S390E SA7 S2\" id=\"t2r_164\">100.00% </span><span class=\"S390F SA7 S2\" id=\"t2s_164\">fund services </span><span class=\"S3910 SA7 S2\" id=\"t2t_164\">OTP Real Estate Leasing Ltd. </span><span class=\"S3911 SA7 S2\" id=\"t2u_164\">100.00% </span><span class=\"S3912 SA7 S2\" id=\"t2v_164\">100.00% </span><span class=\"S3913 SA7 S2\" id=\"t2w_164\">real estate leasing </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f19658": {
   "value": "<span class=\"S3914 SB S2\" id=\"t3_165\">NOTE 43: </span><span class=\"S3915 SB S2\" id=\"t4_165\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S3916 SB S2\" id=\"t5_165\">Significant associates and joint ventures </span><span class=\"S3917 SA7 S2\" id=\"t6_165\">Summarized financial and non-financial information of associates which are accounted according to IAS 28 and in line with IFRS 9 as at 31 December 2022 is as follows: </span><span class=\"S3918 S27D S2\" id=\"t7_165\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t8_165\">Carrying </span><span class=\"S391A S27D S2\" id=\"t9_165\">amount </span><span class=\"S391B S27D S2\" id=\"ta_165\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tb_165\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"tc_165\">Profit after </span><span class=\"S391E S27D S2\" id=\"td_165\">tax </span><span class=\"S391F S27D S2\" id=\"te_165\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tf_165\">Activity </span><span class=\"S3921 S27E S2\" id=\"tg_165\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"th_165\">520 </span><span class=\"S3923 S27E S2\" id=\"ti_165\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tj_165\">(52) </span><span class=\"S3925 S27E S2\" id=\"tk_165\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tl_165\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tm_165\">OTP-</span><span class=\"S3928 S27F S2\" id=\"tn_165\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"to_165\">683 </span><span class=\"S392A S27E S2\" id=\"tp_165\">22.00% </span><span class=\"S392B S27E S2\" id=\"tq_165\">13 </span><span class=\"S392C S27E S2\" id=\"tr_165\">Hungary /Budapest </span><span class=\"S392D S27E S2\" id=\"ts_165\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tt_165\">D-</span><span class=\"S392F S27F S2\" id=\"tu_165\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tv_165\">- </span><span class=\"S3931 S27E S2\" id=\"tw_165\">46.99% </span><span class=\"S3932 S27E S2\" id=\"tx_165\">- </span><span class=\"S3933 S27F S2\" id=\"ty_165\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"tz_165\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t10_165\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t11_165\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t12_165\">392 </span><span class=\"S3938 S27E S2\" id=\"t13_165\">25.00% </span><span class=\"S3939 S27E S2\" id=\"t14_165\">183 </span><span class=\"S393A S27E S2\" id=\"t15_165\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t16_165\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t17_165\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t18_165\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t19_165\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1a_165\">822 </span><span class=\"S3940 S27E S2\" id=\"t1b_165\">23.54% </span><span class=\"S3941 S27E S2\" id=\"t1c_165\">(516) </span><span class=\"S3942 S27E S2\" id=\"t1d_165\">Poland / Krakow </span><span class=\"S3943 S27E S2\" id=\"t1e_165\">Computer programming activities </span><span class=\"S3944 S27E S2\" id=\"t1f_165\">NovaKid Inc. </span><span class=\"S3945 S27E S2\" id=\"t1g_165\">1,723 </span><span class=\"S3946 S27E S2\" id=\"t1h_165\">4.07% </span><span class=\"S3947 S27E S2\" id=\"t1i_165\">(5,409) </span><span class=\"S3948 S27E S2\" id=\"t1j_165\">USA / San Francisco </span><span class=\"S3949 S27E S2\" id=\"t1k_165\">Online kids English learning platform operator </span><span class=\"S394A S27E S2\" id=\"t1l_165\">Banzai Cloud Closed Co. Plc </span><span class=\"S394B S27E S2\" id=\"t1m_165\">216 </span><span class=\"S394C S27E S2\" id=\"t1n_165\">17.42% </span><span class=\"S394D S27E S2\" id=\"t1o_165\">267 </span><span class=\"S394E S27E S2\" id=\"t1p_165\">Hungary /Budapest </span><span class=\"S394F S27E S2\" id=\"t1q_165\">Computer programming activities </span><span class=\"S3950 S27E S2\" id=\"t1r_165\">ClodeCool Ltd </span><span class=\"S3951 S27E S2\" id=\"t1s_165\">1,323 </span><span class=\"S3952 S27E S2\" id=\"t1t_165\">20.15% </span><span class=\"S3953 S27E S2\" id=\"t1u_165\">1 </span><span class=\"S3954 S27E S2\" id=\"t1v_165\">Hungary /Budapest </span><span class=\"S3955 S27E S2\" id=\"t1w_165\">Other education </span><span class=\"S3956 S27E S2\" id=\"t1x_165\">Pepita.hu Closed Co. Plc </span><span class=\"S3957 S27E S2\" id=\"t1y_165\">1,323 </span><span class=\"S3958 S27E S2\" id=\"t1z_165\">40.00% </span><span class=\"S3959 S27E S2\" id=\"t20_165\">(157) </span><span class=\"S395A S27E S2\" id=\"t21_165\">Hungary / Szeghalom </span><span class=\"S395B S27E S2\" id=\"t22_165\">Retail sale via mail order houses or via Internet </span><span class=\"S395C S27E S2\" id=\"t23_165\">Seon Holdings Ltd </span><span class=\"S395D S27E S2\" id=\"t24_165\">8,689 </span><span class=\"S395E S27E S2\" id=\"t25_165\">19.26% </span><span class=\"S395F S27E S2\" id=\"t26_165\">(3) </span><span class=\"S3960 S27E S2\" id=\"t27_165\">UK / London </span><span class=\"S3961 S27E S2\" id=\"t28_165\">Computer programming activities </span><span class=\"S3962 S27E S2\" id=\"t29_165\">VCC Live Group Closed Co. Plc </span><span class=\"S3963 S27E S2\" id=\"t2a_165\">1,308 </span><span class=\"S3964 S27E S2\" id=\"t2b_165\">24.75% </span><span class=\"S3965 S27E S2\" id=\"t2c_165\">(226) </span><span class=\"S3966 S27E S2\" id=\"t2d_165\">Hungary /Budapest </span><span class=\"S3967 S27E S2\" id=\"t2e_165\">Computer programming activities </span><span class=\"S3968 S27E S2\" id=\"t2f_165\">Cursor Insight Ltd </span><span class=\"S3969 S27E S2\" id=\"t2g_165\">75 </span><span class=\"S396A S27E S2\" id=\"t2h_165\">6.75% </span><span class=\"S396B S27E S2\" id=\"t2i_165\">n.a. </span><span class=\"S396C S27E S2\" id=\"t2j_165\">UK / London </span><span class=\"S396D S27E S2\" id=\"t2k_165\">Computer programming activities </span><span class=\"S396E S27E S2\" id=\"t2l_165\">Fabetker Ltd </span><span class=\"S396F S27E S2\" id=\"t2m_165\">1 </span><span class=\"S3970 S27E S2\" id=\"t2n_165\">20.48% </span><span class=\"S3971 S27E S2\" id=\"t2o_165\">135 </span><span class=\"S3972 S27F S2\" id=\"t2p_165\">Hungary / N\u00e1dudvar </span><span class=\"S3973 S27E S2\" id=\"t2q_165\">Manufacture of concrete products for construction purposes </span><span class=\"S3974 S27E S2\" id=\"t2r_165\">OneSoil Ag. </span><span class=\"S3975 S27E S2\" id=\"t2s_165\">362 </span><span class=\"S3976 S27E S2\" id=\"t2t_165\">3.72% </span><span class=\"S3977 S27E S2\" id=\"t2u_165\">(514) </span><span class=\"S3978 S27E S2\" id=\"t2v_165\">Switzerland / Zurich </span><span class=\"S3979 S27E S2\" id=\"t2w_165\">Computer programming activities </span><span class=\"S397A S27F S2\" id=\"t2x_165\">Packhelp Sp\u00f3\u0142ka Akcyjna </span><span class=\"S397B S27E S2\" id=\"t2y_165\">1,168 </span><span class=\"S397C S27E S2\" id=\"t2z_165\">3.15% </span><span class=\"S397D S27E S2\" id=\"t30_165\">(3,385) </span><span class=\"S397E S27E S2\" id=\"t31_165\">Poland / Warsaw </span><span class=\"S397F S27E S2\" id=\"t32_165\">Manufacture of corrugated paper and paperboard </span><span class=\"S3980 S27E S2\" id=\"t33_165\">and of containers of paper and paperboard </span><span class=\"S3981 S27E S2\" id=\"t34_165\">Phoenix Play Invest closed Co. Plc </span><span class=\"S3982 S27E S2\" id=\"t35_165\">2,350 </span><span class=\"S3983 S27E S2\" id=\"t36_165\">21.69% </span><span class=\"S3984 S27E S2\" id=\"t37_165\">(1) </span><span class=\"S3985 S27E S2\" id=\"t38_165\">Hungary /Budapest </span><span class=\"S3986 S27E S2\" id=\"t39_165\">Activities of holding companies </span><span class=\"S3987 S27E S2\" id=\"t3a_165\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3988 S27E S2\" id=\"t3b_165\">8,195 </span><span class=\"S3989 S27E S2\" id=\"t3c_165\">21.69% </span><span class=\"S398A S27E S2\" id=\"t3d_165\">792 </span><span class=\"S398B S27E S2\" id=\"t3e_165\">Hungary /Budapest </span><span class=\"S398C S27E S2\" id=\"t3f_165\">Activities of holding companies </span><span class=\"S398D S27E S2\" id=\"t3g_165\">NGY Propertiers Investment SRL </span><span class=\"S398E S27E S2\" id=\"t3h_165\">11,735 </span><span class=\"S398F S27E S2\" id=\"t3i_165\">14.54% </span><span class=\"S3990 S27E S2\" id=\"t3j_165\">(22,567) </span><span class=\"S3991 S27E S2\" id=\"t3k_165\">Romania / Bucharest </span><span class=\"S3992 S27E S2\" id=\"t3l_165\">Renting and operating of own or leased real estate </span><span class=\"S3993 S27E S2\" id=\"t3m_165\">Deligo Vision Technologies Ltd </span><span class=\"S3994 S27E S2\" id=\"t3n_165\">205 </span><span class=\"S3995 S27E S2\" id=\"t3o_165\">2.50% </span><span class=\"S3996 S27E S2\" id=\"t3p_165\">(15) </span><span class=\"S3997 S27E S2\" id=\"t3q_165\">Hungary /Budapest </span><span class=\"S3998 S27E S2\" id=\"t3r_165\">Other information service activities </span><span class=\"S3999 S27E S2\" id=\"t3s_165\">GRADUW Invest Closed Co. Plc </span><span class=\"S399A S27E S2\" id=\"t3t_165\">4,803 </span><span class=\"S399B S27E S2\" id=\"t3u_165\">3.81% </span><span class=\"S399C S27E S2\" id=\"t3v_165\">131 </span><span class=\"S399D S27E S2\" id=\"t3w_165\">Hungary /Budapest </span><span class=\"S399E S27E S2\" id=\"t3x_165\">Sale and purchase of own real estate </span><span class=\"S399F S27E S2\" id=\"t3y_165\">SEH-Partner Ltd </span><span class=\"S39A0 S27E S2\" id=\"t3z_165\">6,403 </span><span class=\"S39A1 S27E S2\" id=\"t40_165\">30.56% </span><span class=\"S39A2 S27E S2\" id=\"t41_165\">n.a. </span><span class=\"S39A3 S27E S2\" id=\"t42_165\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t43_165\">Activities of holding companies </span><span class=\"S39A5 S27F S2\" id=\"t44_165\">Simonyi \u00fat 20. Ingatlanhasznos\u00edt\u00f3 Ltd </span><span class=\"S39A6 S27E S2\" id=\"t45_165\">90 </span><span class=\"S39A7 S27E S2\" id=\"t46_165\">47.62% </span><span class=\"S39A8 S27E S2\" id=\"t47_165\">- </span><span class=\"S39A9 S27E S2\" id=\"t48_165\">Hungary /Debrecen </span><span class=\"S39AA S27E S2\" id=\"t49_165\">Renting and operating of own or leased real estate </span><span class=\"S39AB S27E S2\" id=\"t4a_165\">Fintech CEE Software Invest Ltd </span><span class=\"S39AC S27E S2\" id=\"t4b_165\">127 </span><span class=\"S39AD S27E S2\" id=\"t4c_165\">20.04% </span><span class=\"S39AE S27E S2\" id=\"t4d_165\">n.a. </span><span class=\"S39AF S27E S2\" id=\"t4e_165\">Hungary /Budapest </span><span class=\"S39B0 S27E S2\" id=\"t4f_165\">Activities of holding companies </span><span class=\"S39B1 S27E S2\" id=\"t4g_165\">New Frontier Technology Invest SARL </span><span class=\"S39B2 S27E S2\" id=\"t4h_165\">3,393 </span><span class=\"S39B3 S27E S2\" id=\"t4i_165\">14.01% </span><span class=\"S39B4 S27E S2\" id=\"t4j_165\">n.a. </span><span class=\"S39B5 S27E S2\" id=\"t4k_165\">Luxemburg / Luxembourg </span><span class=\"S39B6 S27E S2\" id=\"t4l_165\">Activities of holding companies </span><span class=\"S39B7 S27E S2\" id=\"t4m_165\">Mindgram sp. z.o.o </span><span class=\"S39B8 S27E S2\" id=\"t4n_165\">200 </span><span class=\"S39B9 S27E S2\" id=\"t4o_165\">2.38% </span><span class=\"S39BA S27E S2\" id=\"t4p_165\">(328) </span><span class=\"S39BB S27E S2\" id=\"t4q_165\">Poland / Warsaw </span><span class=\"S39BC S27E S2\" id=\"t4r_165\">Other human health activities </span><span class=\"S1123 SB S2\" id=\"t3_166\">NOTE 43: </span><span class=\"S38B0 SB S2\" id=\"t4_166\">SIGNIFICANT SUBSIDIARIES AND ASSOCIATES (in HUF mn) [continued] </span><span class=\"S39BD SB S2\" id=\"t5_166\">Significant associates and joint ventures [continued] </span><span class=\"S39BE SA7 S2\" id=\"t6_166\">The Group made significant investments into associates during 2021. Venture capital funds under the control of the Group obtained ownership interest in Phoenix Play Invest </span><span class=\"S1FD1 SA7 S2\" id=\"t7_166\">Co.Plc, in Algorithmiq Invest Closed Co. Plc and in NGY Propertiers Investment SRL. </span><span class=\"S3918 S27D S2\" id=\"t8_166\">List of associated entities </span><span class=\"S3919 S27D S2\" id=\"t9_166\">Carrying </span><span class=\"S39BF S27D S2\" id=\"ta_166\">amount </span><span class=\"S391B S27D S2\" id=\"tb_166\">Ownership of </span><span class=\"S391C S27D S2\" id=\"tc_166\">OTP Bank </span><span class=\"S391D S27D S2\" id=\"td_166\">Profit after </span><span class=\"S391E S27D S2\" id=\"te_166\">tax </span><span class=\"S391F S27D S2\" id=\"tf_166\">Country / Headquarter </span><span class=\"S3920 S27D S2\" id=\"tg_166\">Activity </span><span class=\"S3921 S27E S2\" id=\"th_166\">OTP Risk Fund I. </span><span class=\"S3922 S27E S2\" id=\"ti_166\">526 </span><span class=\"S3923 S27E S2\" id=\"tj_166\">44.12% </span><span class=\"S3924 S27E S2\" id=\"tk_166\">(52) </span><span class=\"S3925 S27E S2\" id=\"tl_166\">Hungary /Budapest </span><span class=\"S3926 S27E S2\" id=\"tm_166\">Trusts, funds and similar financial entities </span><span class=\"S3927 S27E S2\" id=\"tn_166\">OTP-</span><span class=\"S3928 S27F S2\" id=\"to_166\">DayOne Magvet\u0151 Fund </span><span class=\"S3929 S27E S2\" id=\"tp_166\">288 </span><span class=\"S392A S27E S2\" id=\"tq_166\">22.00% </span><span class=\"S392B S27E S2\" id=\"tr_166\">13 </span><span class=\"S392C S27E S2\" id=\"ts_166\">Hungary /Budapest </span><span class=\"S39C0 S27E S2\" id=\"tt_166\">Trusts, funds and similar financial entities </span><span class=\"S392E S27E S2\" id=\"tu_166\">D-</span><span class=\"S392F S27F S2\" id=\"tv_166\">\u00c9G Thermoset Ltd 'u.l.' </span><span class=\"S3930 S27E S2\" id=\"tw_166\">- </span><span class=\"S3931 S27E S2\" id=\"tx_166\">46.99% </span><span class=\"S3932 S27E S2\" id=\"ty_166\">- </span><span class=\"S3933 S27F S2\" id=\"tz_166\">Hungary / Duna\u00fajv\u00e1ros </span><span class=\"S3934 S27E S2\" id=\"t10_166\">Wholesale of hardware, plumbing and heating equipment </span><span class=\"S3935 S27E S2\" id=\"t11_166\">and supplies </span><span class=\"S3936 S27E S2\" id=\"t12_166\">Company for Cash Services AD </span><span class=\"S3937 S27E S2\" id=\"t13_166\">392 </span><span class=\"S3938 S27E S2\" id=\"t14_166\">25.00% </span><span class=\"S39C1 S27E S2\" id=\"t15_166\">(183) </span><span class=\"S393A S27E S2\" id=\"t16_166\">Bulgaria / Sofia </span><span class=\"S393B S27E S2\" id=\"t17_166\">Other financial service activities, </span><span class=\"S393C S27E S2\" id=\"t18_166\">except insurance and pension funding </span><span class=\"S393D S27F S2\" id=\"t19_166\">Edrone sp\u00f3\u0142ka z ograniczon\u0105 </span><span class=\"S393E S27F S2\" id=\"t1a_166\">odpowiedzialno\u015bci\u0105 </span><span class=\"S393F S27E S2\" id=\"t1b_166\">779 </span><span class=\"S3940 S27E S2\" id=\"t1c_166\">17.34% </span><span class=\"S3941 S27E S2\" id=\"t1d_166\">(293) </span><span class=\"S3942 S27E S2\" id=\"t1e_166\">Poland / Krakow </span><span class=\"S39C2 S27E S2\" id=\"t1f_166\">Computer programming activities </span><span class=\"S39C3 S27E S2\" id=\"t1g_166\">Graboplast Closed Co. Plc </span><span class=\"S39C4 S27E S2\" id=\"t1h_166\">700 </span><span class=\"S3946 S27E S2\" id=\"t1i_166\">7.00% </span><span class=\"S39C5 S27E S2\" id=\"t1j_166\">n.a. </span><span class=\"S39C6 S27E S2\" id=\"t1k_166\">Hungary / </span><span class=\"S39C7 S27F S2\" id=\"t1l_166\">Gy\u0151r </span><span class=\"S39C8 S27F S2\" id=\"t1m_166\">Manufacture of builders\u2019 ware of plastic </span><span class=\"S39C9 S27E S2\" id=\"t1n_166\">NovaKid Inc. </span><span class=\"S39CA S27E S2\" id=\"t1o_166\">2,006 </span><span class=\"S39CB S27E S2\" id=\"t1p_166\">4.17% </span><span class=\"S39CC S27E S2\" id=\"t1q_166\">(4,621) </span><span class=\"S39CD S27E S2\" id=\"t1r_166\">USA / San Francisco </span><span class=\"S39CE S27E S2\" id=\"t1s_166\">Online kids English learning platform operator </span><span class=\"S39CF S27E S2\" id=\"t1t_166\">Banzai Cloud Closed Co. Plc </span><span class=\"S39D0 S27E S2\" id=\"t1u_166\">374 </span><span class=\"S3952 S27E S2\" id=\"t1v_166\">17.42% </span><span class=\"S39D1 S27E S2\" id=\"t1w_166\">n.a. </span><span class=\"S3954 S27E S2\" id=\"t1x_166\">Hungary /Budapest </span><span class=\"S39D2 S27E S2\" id=\"t1y_166\">Computer programming activities </span><span class=\"S39D3 S27E S2\" id=\"t1z_166\">ClodeCool Ltd </span><span class=\"S3957 S27E S2\" id=\"t20_166\">1,770 </span><span class=\"S3958 S27E S2\" id=\"t21_166\">20.15% </span><span class=\"S39D4 S27E S2\" id=\"t22_166\">1 </span><span class=\"S39D5 S27E S2\" id=\"t23_166\">Hungary /Budapest </span><span class=\"S39D6 S27E S2\" id=\"t24_166\">Other education </span><span class=\"S39D7 S27E S2\" id=\"t25_166\">Pepita.hu Closed Co. Plc </span><span class=\"S39D8 S27E S2\" id=\"t26_166\">516 </span><span class=\"S395E S27E S2\" id=\"t27_166\">34.00% </span><span class=\"S39D9 S27E S2\" id=\"t28_166\">(132) </span><span class=\"S39DA S27E S2\" id=\"t29_166\">Hungary / Szeghalom </span><span class=\"S39DB S27E S2\" id=\"t2a_166\">Retail sale via mail order houses or via Internet </span><span class=\"S39DC S27E S2\" id=\"t2b_166\">Seon Holdings Ltd </span><span class=\"S3963 S27E S2\" id=\"t2c_166\">4,756 </span><span class=\"S3964 S27E S2\" id=\"t2d_166\">23.86% </span><span class=\"S39DD S27E S2\" id=\"t2e_166\">(4) </span><span class=\"S39DE S27E S2\" id=\"t2f_166\">UK / London </span><span class=\"S39DF S27E S2\" id=\"t2g_166\">Computer programming activities </span><span class=\"S39E0 S27E S2\" id=\"t2h_166\">Starschema Ltd </span><span class=\"S39E1 S27E S2\" id=\"t2i_166\">3,944 </span><span class=\"S39E2 S27E S2\" id=\"t2j_166\">36.19% </span><span class=\"S396B S27E S2\" id=\"t2k_166\">n.a. </span><span class=\"S39E3 S27E S2\" id=\"t2l_166\">Hungary /Budapest </span><span class=\"S39E4 S27E S2\" id=\"t2m_166\">Computer consultancy activities </span><span class=\"S39E5 S27E S2\" id=\"t2n_166\">VCC Live Group Closed Co. Plc </span><span class=\"S39E6 S27E S2\" id=\"t2o_166\">1,672 </span><span class=\"S3970 S27E S2\" id=\"t2p_166\">49.56% </span><span class=\"S39E7 S27E S2\" id=\"t2q_166\">(203) </span><span class=\"S39E8 S27E S2\" id=\"t2r_166\">Hungary /Budapest </span><span class=\"S39E9 S27E S2\" id=\"t2s_166\">Computer programming activities </span><span class=\"S39EA S27E S2\" id=\"t2t_166\">Virtual Solutaion Ltd </span><span class=\"S39EB S27E S2\" id=\"t2u_166\">n.a. </span><span class=\"S3976 S27E S2\" id=\"t2v_166\">8.33% </span><span class=\"S39EC S27E S2\" id=\"t2w_166\">n.a. </span><span class=\"S39ED S27E S2\" id=\"t2x_166\">Hungary /Budapest </span><span class=\"S3979 S27E S2\" id=\"t2y_166\">Computer programming activities </span><span class=\"S39EE S27E S2\" id=\"t2z_166\">Yieldigo s.r.o. </span><span class=\"S39EF S27E S2\" id=\"t30_166\">76 </span><span class=\"S397C S27E S2\" id=\"t31_166\">1.97% </span><span class=\"S39F0 S27E S2\" id=\"t32_166\">(168) </span><span class=\"S39F1 S27E S2\" id=\"t33_166\">Czech Republic / Prague </span><span class=\"S397F S27E S2\" id=\"t34_166\">Computer programming activities </span><span class=\"S39F2 S27E S2\" id=\"t35_166\">Szallas.hu Closed Co. Plc </span><span class=\"S39F3 S1F81 S2\" id=\"t36_166\">1 </span><span class=\"S39F4 S27E S2\" id=\"t37_166\">8,809 </span><span class=\"S39F5 S27E S2\" id=\"t38_166\">51.19% </span><span class=\"S39F6 S27E S2\" id=\"t39_166\">1,278 </span><span class=\"S39F7 S27E S2\" id=\"t3a_166\">Hungary / Miskolc </span><span class=\"S39F8 S27E S2\" id=\"t3b_166\">Web portals </span><span class=\"S39F9 S27E S2\" id=\"t3c_166\">Cursor Insight Ltd </span><span class=\"S39FA S27E S2\" id=\"t3d_166\">146 </span><span class=\"S39FB S27E S2\" id=\"t3e_166\">6.75% </span><span class=\"S39FC S27E S2\" id=\"t3f_166\">(247) </span><span class=\"S39FD S27E S2\" id=\"t3g_166\">UK / London </span><span class=\"S39FE S27E S2\" id=\"t3h_166\">Computer programming activities </span><span class=\"S39FF S27E S2\" id=\"t3i_166\">Fabetker Ltd </span><span class=\"S3A00 S27E S2\" id=\"t3j_166\">1 </span><span class=\"S3989 S27E S2\" id=\"t3k_166\">20.48% </span><span class=\"S398A S27E S2\" id=\"t3l_166\">132 </span><span class=\"S3A01 S27F S2\" id=\"t3m_166\">Hungary / N\u00e1dudvar </span><span class=\"S3A02 S27E S2\" id=\"t3n_166\">Manufacture of concrete products for construction purposes </span><span class=\"S3A03 S27E S2\" id=\"t3o_166\">OneSoil Ag. </span><span class=\"S3A04 S27E S2\" id=\"t3p_166\">318 </span><span class=\"S3A05 S27E S2\" id=\"t3q_166\">3.72% </span><span class=\"S3A06 S27E S2\" id=\"t3r_166\">(1,058) </span><span class=\"S3A07 S27E S2\" id=\"t3s_166\">Switzerland / Zurich </span><span class=\"S3A08 S27E S2\" id=\"t3t_166\">Computer programming activities </span><span class=\"S3A09 S27F S2\" id=\"t3u_166\">Packhelp Sp\u00f3\u0142ka </span><span class=\"S3A0A S27E S2\" id=\"t3v_166\">Akcyjna </span><span class=\"S3A0B S27E S2\" id=\"t3w_166\">2,160 </span><span class=\"S3995 S27E S2\" id=\"t3x_166\">1.00% </span><span class=\"S3A0C S27E S2\" id=\"t3y_166\">(3,038) </span><span class=\"S3A0D S27E S2\" id=\"t3z_166\">Poland / Warsaw </span><span class=\"S3A0E S27E S2\" id=\"t40_166\">Manufacture of corrugated paper and paperboard </span><span class=\"S3A0F S27E S2\" id=\"t41_166\">and of containers of paper and paperboard </span><span class=\"S3A10 S27E S2\" id=\"t42_166\">Phoenix Play Invest closed Co. Plc </span><span class=\"S39A0 S27E S2\" id=\"t43_166\">3,081 </span><span class=\"S39A1 S27E S2\" id=\"t44_166\">21.69% </span><span class=\"S3A11 S27E S2\" id=\"t45_166\">(1) </span><span class=\"S39A3 S27E S2\" id=\"t46_166\">Hungary /Budapest </span><span class=\"S39A4 S27E S2\" id=\"t47_166\">Activities of holding companies </span><span class=\"S3A12 S27E S2\" id=\"t48_166\">Algorithmiq Invest Closed Co. Plc </span><span class=\"S3A13 S27E S2\" id=\"t49_166\">8,996 </span><span class=\"S39A7 S27E S2\" id=\"t4a_166\">21.69% </span><span class=\"S3A14 S27E S2\" id=\"t4b_166\">792 </span><span class=\"S3A15 S27E S2\" id=\"t4c_166\">Hungary /Budapest </span><span class=\"S3A16 S27E S2\" id=\"t4d_166\">Activities of holding companies </span><span class=\"S3A17 S27E S2\" id=\"t4e_166\">NGY Propertiers Investment SRL </span><span class=\"S3A18 S27E S2\" id=\"t4f_166\">12,331 </span><span class=\"S39AD S27E S2\" id=\"t4g_166\">14.54% </span><span class=\"S3A19 S27E S2\" id=\"t4h_166\">(22,567) </span><span class=\"S3A1A S27E S2\" id=\"t4i_166\">Romania / Bucharest </span><span class=\"S3A1B S27E S2\" id=\"t4j_166\">Renting and operating of own or leased real estate </span><span class=\"S3A1C S482 S2\" id=\"t4k_166\">1 </span><span class=\"S3A1D S483 S2\" id=\"t4l_166\">It does not control another entity even though it holds more than half of the voting rights. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f20074": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_169\">NOTE 46: </span><span class=\"S3A41 SB S2\" id=\"t4_169\">EARNINGS PER SHARE </span><span class=\"S3A42 SA7 S2\" id=\"t5_169\">Consolidated Earnings per share attributable to the ordinary shares of the Group are determined by dividing </span><span class=\"S3A43 SA7 S2\" id=\"t6_169\">consolidated Net profit for the year attributable to ordinary shareholders, after the deduction of declared preference </span><span class=\"S3A44 SA7 S2\" id=\"t7_169\">dividends, by the weighted average number of ordinary shares outstanding during the year. Dilutive potential </span><span class=\"S3A45 SA7 S2\" id=\"t8_169\">ordinary shares are deemed to have been converted into ordinary shares. </span><span class=\"S3A46 SB S2\" id=\"t9_169\">Earnings per share from continuing </span><span class=\"S3A47 SB S2\" id=\"ta_169\">and discontinued operations </span><span class=\"S3A48 SB S2\" id=\"tb_169\">2022 </span><span class=\"S3A49 SB S2\" id=\"tc_169\">2021 </span><span class=\"S3A4A SA7 S2\" id=\"td_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A4B SA7 S2\" id=\"te_169\">to ordinary shareholders (in HUF mn) </span><span class=\"SF92 SA7 S2\" id=\"tf_169\">346,354 </span><span class=\"SF93 SA7 S2\" id=\"tg_169\">455,592 </span><span class=\"S3A4C SA7 S2\" id=\"th_169\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A4D SA7 S2\" id=\"ti_169\">during the year for calculating basic EPS (number of share) </span><span class=\"S3A4E SA7 S2\" id=\"tj_169\">268,790,272 </span><span class=\"S3A4F SA7 S2\" id=\"tk_169\">262,017,836 </span><span class=\"S3A50 SB S2\" id=\"tl_169\">Basic Earnings per share (in HUF) </span><span class=\"S3A51 SB S2\" id=\"tm_169\">1,289 </span><span class=\"S3A52 SB S2\" id=\"tn_169\">1,738 </span><span class=\"S3A53 SA7 S2\" id=\"to_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A54 SA7 S2\" id=\"tp_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A55 SA7 S2\" id=\"tq_169\">346,354 </span><span class=\"S3A56 SA7 S2\" id=\"tr_169\">455,592 </span><span class=\"S3A57 SA7 S2\" id=\"ts_169\">Modified weighted average number of </span><span class=\"S3A58 SA7 S2\" id=\"tt_169\">ordinary shares outstanding during the year </span><span class=\"S3A59 SA7 S2\" id=\"tu_169\">for calculating diluted EPS (number of share) </span><span class=\"S3A5A SA7 S2\" id=\"tv_169\">268,873,185 </span><span class=\"S3A5B SA7 S2\" id=\"tw_169\">262,094,958 </span><span class=\"S3A5C SB S2\" id=\"tx_169\">Diluted Earnings per share (in HUF) </span><span class=\"S3A5D SB S2\" id=\"ty_169\">1,288 </span><span class=\"S3A5E SB S2\" id=\"tz_169\">1,738 </span><span class=\"S3A5F SB S2\" id=\"t10_169\">Earnings per share from continuing operations </span><span class=\"S14EF SB S2\" id=\"t11_169\">2022 </span><span class=\"S14F0 SB S2\" id=\"t12_169\">2021 </span><span class=\"S3A60 SA7 S2\" id=\"t13_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A61 SA7 S2\" id=\"t14_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A62 SA7 S2\" id=\"t15_169\">334,910 </span><span class=\"S3A63 SA7 S2\" id=\"t16_169\">455,476 </span><span class=\"S3A64 SA7 S2\" id=\"t17_169\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A65 SA7 S2\" id=\"t18_169\">during the year for calculating basic EPS (number of share) </span><span class=\"S3A66 SA7 S2\" id=\"t19_169\">268,790,272 </span><span class=\"S3A67 SA7 S2\" id=\"t1a_169\">262,017,836 </span><span class=\"S3A68 SB S2\" id=\"t1b_169\">Basic Earnings per share (in HUF) </span><span class=\"S3A69 SB S2\" id=\"t1c_169\">1,246 </span><span class=\"S3A6A SB S2\" id=\"t1d_169\">1,738 </span><span class=\"S3A6B SA7 S2\" id=\"t1e_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A6C SA7 S2\" id=\"t1f_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A6D SA7 S2\" id=\"t1g_169\">334,910 </span><span class=\"S3A6E SA7 S2\" id=\"t1h_169\">455,476 </span><span class=\"S3A6F SA7 S2\" id=\"t1i_169\">Modified weighted average number of </span><span class=\"S3A70 SA7 S2\" id=\"t1j_169\">ordinary shares outstanding during the year </span><span class=\"S3A71 SA7 S2\" id=\"t1k_169\">for calculating diluted EPS (number of share) </span><span class=\"S3A72 SA7 S2\" id=\"t1l_169\">268,873,185 </span><span class=\"S3A73 SA7 S2\" id=\"t1m_169\">262,094,958 </span><span class=\"S3A74 SB S2\" id=\"t1n_169\">Diluted Earnings per share (in HUF) </span><span class=\"S3A75 SB S2\" id=\"t1o_169\">1,246 </span><span class=\"S3A76 SB S2\" id=\"t1p_169\">1,738 </span><span class=\"S3A77 SB S2\" id=\"t1q_169\">Earnings per share from discontinued operations </span><span class=\"S3A78 SB S2\" id=\"t1r_169\">2022 </span><span class=\"S3A79 SB S2\" id=\"t1s_169\">2021 </span><span class=\"S3A7A SA7 S2\" id=\"t1t_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A7B SA7 S2\" id=\"t1u_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A7C SA7 S2\" id=\"t1v_169\">11,444 </span><span class=\"S3A7D SA7 S2\" id=\"t1w_169\">116 </span><span class=\"S3A7E SA7 S2\" id=\"t1x_169\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A7F SA7 S2\" id=\"t1y_169\">during the year for calculating basic EPS (number of share) </span><span class=\"S3A80 SA7 S2\" id=\"t1z_169\">268,790,272 </span><span class=\"S3A81 SA7 S2\" id=\"t20_169\">262,017,836 </span><span class=\"S3A82 SB S2\" id=\"t21_169\">Basic Earnings per share (in HUF) </span><span class=\"S3A83 SB S2\" id=\"t22_169\">43 </span><span class=\"S3A84 SB S2\" id=\"t23_169\">- </span><span class=\"S3A85 SA7 S2\" id=\"t24_169\">Consolidated profit after income tax for the period attributable </span><span class=\"S3A86 SA7 S2\" id=\"t25_169\">to ordinary shareholders (in HUF mn) </span><span class=\"S3A87 SA7 S2\" id=\"t26_169\">11,444 </span><span class=\"S3A88 SA7 S2\" id=\"t27_169\">116 </span><span class=\"S3A89 SA7 S2\" id=\"t28_169\">Modified weighted average number of </span><span class=\"S3A8A SA7 S2\" id=\"t29_169\">ordinary shares outstanding during the year </span><span class=\"S3A8B SA7 S2\" id=\"t2a_169\">for calculating diluted EPS (number of share) </span><span class=\"S3A8C SA7 S2\" id=\"t2b_169\">268,873,185 </span><span class=\"S3A8D SA7 S2\" id=\"t2c_169\">262,094,958 </span><span class=\"S3A8E SB S2\" id=\"t2d_169\">Diluted Earnings per share (in HUF) </span><span class=\"S3A8F SB S2\" id=\"t2e_169\">43 </span><span class=\"S3A90 SB S2\" id=\"t2f_169\">- </span><span class=\"SFA4 SB S2\" id=\"t3_170\">NOTE 46: </span><span class=\"S2491 SB S2\" id=\"t4_170\">EARNINGS PER SHARE [continued] </span><span class=\"S14D0 SB S2\" id=\"t5_170\">2022 </span><span class=\"S14D1 SB S2\" id=\"t6_170\">2021 </span><span class=\"S3A91 SA7 S2\" id=\"t7_170\">Weighted average number of ordinary shares </span><span class=\"S3A92 SA7 S2\" id=\"t8_170\">280,000,010 </span><span class=\"S3A93 SA7 S2\" id=\"t9_170\">280,000,010 </span><span class=\"S1D27 SA7 S2\" id=\"ta_170\">Average number of Treasury shares </span><span class=\"S3A94 SA7 S2\" id=\"tb_170\">11,209,738 </span><span class=\"S3A95 SA7 S2\" id=\"tc_170\">17,982,174 </span><span class=\"S3A96 SB S2\" id=\"td_170\">Weighted average number of ordinary shares outstanding </span><span class=\"S3A97 SB S2\" id=\"te_170\">during the year for calculating basic EPS </span><span class=\"S3A98 SB S2\" id=\"tf_170\">268,790,272 </span><span class=\"S3A99 SB S2\" id=\"tg_170\">262,017,836 </span><span class=\"S3A9A SA7 S2\" id=\"th_170\">Dilutive effects of options issued in accordance with the </span><span class=\"S3A9B SA7 S2\" id=\"ti_170\">remuneration policy and convertible into ordinary shares </span><span class=\"S3A9C SE8B S2\" id=\"tj_170\">1 </span><span class=\"S14DD SA7 S2\" id=\"tk_170\">82,913 </span><span class=\"S14DE SA7 S2\" id=\"tl_170\">77,122 </span><span class=\"S3A9D SB S2\" id=\"tm_170\">The modified weighted average number of ordinary shares </span><span class=\"S3A9E SB S2\" id=\"tn_170\">outstanding during the year for calculating diluted EPS </span><span class=\"S3A9F SB S2\" id=\"to_170\">268,873,185 </span><span class=\"S3AA0 SB S2\" id=\"tp_170\">262,094,958 </span><span class=\"S3AA1 S482 S2\" id=\"tq_170\">1 </span><span class=\"S3AA2 S483 S2\" id=\"tr_170\">Both in the year 2022 and 2021 the dilutive effect is in connection with the Remuneration Policy and the Management Option Program. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f20568": {
   "value": "<span class=\"S3B80 SB S2\" id=\"t5_174\">48.1. </span><span class=\"S3B81 SB S2\" id=\"t6_174\">Fair value of financial assets and liabilities </span><span class=\"S3B82 S27D S2\" id=\"t7_174\">2022 </span><span class=\"S3B83 S27D S2\" id=\"t8_174\">2021 </span><span class=\"S3B84 S27D S2\" id=\"t9_174\">Carrying amount </span><span class=\"S3B85 S27D S2\" id=\"ta_174\">Fair value </span><span class=\"S3B86 S27D S2\" id=\"tb_174\">Carrying amount </span><span class=\"S3B87 S27D S2\" id=\"tc_174\">Fair value </span><span class=\"S3B88 S27E S2\" id=\"td_174\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S3B89 S27E S2\" id=\"te_174\">4,221,392 </span><span class=\"S3B8A S27E S2\" id=\"tf_174\">4,221,392 </span><span class=\"S3B8B S27E S2\" id=\"tg_174\">2,556,035 </span><span class=\"S3B8C S27E S2\" id=\"th_174\">2,556,035 </span><span class=\"S3B8D S27E S2\" id=\"ti_174\">Placements with other banks </span><span class=\"S3B8E S27E S2\" id=\"tj_174\">1,351,082 </span><span class=\"S3B8F S27E S2\" id=\"tk_174\">1,322,560 </span><span class=\"S3B90 S27E S2\" id=\"tl_174\">1,584,861 </span><span class=\"S3B91 S27E S2\" id=\"tm_174\">1,566,458 </span><span class=\"S3B92 S27E S2\" id=\"tn_174\">Repo receivables </span><span class=\"S3B93 S27E S2\" id=\"to_174\">41,009 </span><span class=\"S3B94 S27E S2\" id=\"tp_174\">42,993 </span><span class=\"S3B95 S27E S2\" id=\"tq_174\">61,052 </span><span class=\"S3B96 S27E S2\" id=\"tr_174\">61,121 </span><span class=\"S3B97 S27E S2\" id=\"ts_174\">Securities at amortized cost </span><span class=\"S3B98 S27E S2\" id=\"tt_174\">4,891,938 </span><span class=\"S3B99 S27E S2\" id=\"tu_174\">4,048,877 </span><span class=\"S3B9A S27E S2\" id=\"tv_174\">3,891,335 </span><span class=\"S3B9B S27E S2\" id=\"tw_174\">3,645,046 </span><span class=\"S3B9C S27E S2\" id=\"tx_174\">Loans at amortized cost </span><span class=\"S3B9D S27E S2\" id=\"ty_174\">16,094,458 </span><span class=\"S3B9E S27E S2\" id=\"tz_174\">15,557,928 </span><span class=\"S3B9F S27E S2\" id=\"t10_174\">13,493,183 </span><span class=\"S3BA0 S27E S2\" id=\"t11_174\">13,106,425 </span><span class=\"S3BA1 S27E S2\" id=\"t12_174\">Finance lease receivables </span><span class=\"S3BA2 S27E S2\" id=\"t13_174\">1,298,752 </span><span class=\"S3BA3 S27E S2\" id=\"t14_174\">1,320,286 </span><span class=\"S3BA4 S27E S2\" id=\"t15_174\">1,182,628 </span><span class=\"S3BA5 S27E S2\" id=\"t16_174\">1,183,089 </span><span class=\"S3BA6 S27E S2\" id=\"t17_174\">Other financial assets </span><span class=\"S3BA7 S27E S2\" id=\"t18_174\">262,981 </span><span class=\"S3BA8 S27E S2\" id=\"t19_174\">262,981 </span><span class=\"S3BA9 S27E S2\" id=\"t1a_174\">135,916 </span><span class=\"S3BAA S27E S2\" id=\"t1b_174\">135,916 </span><span class=\"S3BAB S27D S2\" id=\"t1c_174\">Total assets not measured at fair value </span><span class=\"S3BAC S27D S2\" id=\"t1d_174\">28,161,612 </span><span class=\"S3BAD S27D S2\" id=\"t1e_174\">26,777,017 </span><span class=\"S3BAE S27D S2\" id=\"t1f_174\">22,905,010 </span><span class=\"S3BAF S27D S2\" id=\"t1g_174\">22,254,090 </span><span class=\"S3BB0 S27E S2\" id=\"t1h_174\">Financial assets at fair value through profit or loss </span><span class=\"S3BB1 S27E S2\" id=\"t1i_174\">436,387 </span><span class=\"S3BB2 S27E S2\" id=\"t1j_174\">436,387 </span><span class=\"S3BB3 S27E S2\" id=\"t1k_174\">341,397 </span><span class=\"S3BB4 S27E S2\" id=\"t1l_174\">341,397 </span><span class=\"S3BB5 S3C28 S2\" id=\"t1m_174\">Trading securities at fair value through profit or loss </span><span class=\"S3BB6 S3C28 S2\" id=\"t1n_174\">104,750 </span><span class=\"S3BB7 S3C28 S2\" id=\"t1o_174\">104,750 </span><span class=\"S3BB8 S3C28 S2\" id=\"t1p_174\">103,510 </span><span class=\"S3BB9 S3C28 S2\" id=\"t1q_174\">103,510 </span><span class=\"S3BBA S3C28 S2\" id=\"t1r_174\">Fair value of derivative financial assets held for trading </span><span class=\"S3BBB S3C28 S2\" id=\"t1s_174\">276,482 </span><span class=\"S3BBC S3C28 S2\" id=\"t1t_174\">276,482 </span><span class=\"S3BBD S3C28 S2\" id=\"t1u_174\">184,484 </span><span class=\"S3BBE S3C28 S2\" id=\"t1v_174\">184,484 </span><span class=\"S3BBF S3C28 S2\" id=\"t1w_174\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S3BC0 S3C28 S2\" id=\"t1x_174\">55,155 </span><span class=\"S3BC1 S3C28 S2\" id=\"t1y_174\">55,155 </span><span class=\"S3BC2 S3C28 S2\" id=\"t1z_174\">53,403 </span><span class=\"S3BC3 S3C28 S2\" id=\"t20_174\">53,403 </span><span class=\"S3BC4 S3C28 S2\" id=\"t21_174\">Financial assets designated at fair value through profit or loss </span><span class=\"S3BC5 S3C28 S2\" id=\"t22_174\">- </span><span class=\"S3BC6 S3C28 S2\" id=\"t23_174\">- </span><span class=\"S3BC7 S3C28 S2\" id=\"t24_174\">- </span><span class=\"S3BC8 S3C28 S2\" id=\"t25_174\">- </span><span class=\"S3BC9 S27E S2\" id=\"t26_174\">Equity instruments at fair value through other comprehensive income </span><span class=\"S3BCA S27E S2\" id=\"t27_174\">40,157 </span><span class=\"S3BCB S27E S2\" id=\"t28_174\">40,157 </span><span class=\"S3BCC S27E S2\" id=\"t29_174\">34,976 </span><span class=\"S3BCD S27E S2\" id=\"t2a_174\">34,976 </span><span class=\"S3BCE S27E S2\" id=\"t2b_174\">Securities at fair value through other comprehensive income </span><span class=\"S3BCF S27E S2\" id=\"t2c_174\">1,699,446 </span><span class=\"S3BD0 S27E S2\" id=\"t2d_174\">1,699,446 </span><span class=\"S3BD1 S27E S2\" id=\"t2e_174\">2,189,534 </span><span class=\"S3BD2 S27E S2\" id=\"t2f_174\">2,189,534 </span><span class=\"S3BD3 S27E S2\" id=\"t2g_174\">Loans mandatorily at fair value through profit or loss </span><span class=\"S3BD4 S27E S2\" id=\"t2h_174\">1,247,414 </span><span class=\"S3BD5 S27E S2\" id=\"t2i_174\">1,247,414 </span><span class=\"S3BD6 S27E S2\" id=\"t2j_174\">1,068,111 </span><span class=\"S3BD7 S27E S2\" id=\"t2k_174\">1,068,111 </span><span class=\"S3BD8 S27E S2\" id=\"t2l_174\">Derivative financial assets designated as hedge accounting </span><span class=\"S3BD9 S27E S2\" id=\"t2m_174\">48,247 </span><span class=\"S3BDA S27E S2\" id=\"t2n_174\">48,247 </span><span class=\"S3BDB S27E S2\" id=\"t2o_174\">18,757 </span><span class=\"S3BDC S27E S2\" id=\"t2p_174\">18,757 </span><span class=\"S3BDD S27D S2\" id=\"t2q_174\">Total assets measured at fair value </span><span class=\"S3BDE S27D S2\" id=\"t2r_174\">3,471,651 </span><span class=\"S3BDF S27D S2\" id=\"t2s_174\">3,471,651 </span><span class=\"S3BE0 S27D S2\" id=\"t2t_174\">3,652,775 </span><span class=\"S3BE1 S27D S2\" id=\"t2u_174\">3,652,775 </span><span class=\"S3BE2 S27D S2\" id=\"t2v_174\">Financial assets total </span><span class=\"S3BE3 S27D S2\" id=\"t2w_174\">31,633,263 </span><span class=\"S3BE4 S27D S2\" id=\"t2x_174\">30,248,668 </span><span class=\"S3BE5 S27D S2\" id=\"t2y_174\">26,557,785 </span><span class=\"S3BE6 S27D S2\" id=\"t2z_174\">25,906,865 </span><span class=\"S3BE7 S27E S2\" id=\"t30_174\">Amounts due to the National Governments, to the National Banks and other banks </span><span class=\"S3BE8 S27E S2\" id=\"t31_174\">1,463,158 </span><span class=\"S3BE9 S27E S2\" id=\"t32_174\">1,109,924 </span><span class=\"S3BEA S27E S2\" id=\"t33_174\">1,567,348 </span><span class=\"S3BEB S27E S2\" id=\"t34_174\">1,446,036 </span><span class=\"S3BEC S27E S2\" id=\"t35_174\">Repo liabilities </span><span class=\"S3BED S27E S2\" id=\"t36_174\">217,369 </span><span class=\"S3BEE S27E S2\" id=\"t37_174\">227,669 </span><span class=\"S3BEF S27E S2\" id=\"t38_174\">79,047 </span><span class=\"S3BF0 S27E S2\" id=\"t39_174\">79,010 </span><span class=\"S3BF1 S27E S2\" id=\"t3a_174\">Deposits from customers </span><span class=\"S3BF2 S27E S2\" id=\"t3b_174\">25,188,805 </span><span class=\"S3BF3 S27E S2\" id=\"t3c_174\">25,056,412 </span><span class=\"S3BF4 S27E S2\" id=\"t3d_174\">21,068,644 </span><span class=\"S3BF5 S27E S2\" id=\"t3e_174\">21,002,125 </span><span class=\"S3BF6 S27E S2\" id=\"t3f_174\">Liabilities from issued securities </span><span class=\"S3BF7 S27E S2\" id=\"t3g_174\">870,682 </span><span class=\"S3BF8 S27E S2\" id=\"t3h_174\">743,907 </span><span class=\"S3BF9 S27E S2\" id=\"t3i_174\">436,325 </span><span class=\"S3BFA S27E S2\" id=\"t3j_174\">400,071 </span><span class=\"S3BFB S27E S2\" id=\"t3k_174\">Leasing liabilities </span><span class=\"S3BFC S27E S2\" id=\"t3l_174\">63,778 </span><span class=\"S3BFD S27E S2\" id=\"t3m_174\">63,791 </span><span class=\"S3BFE S27E S2\" id=\"t3n_174\">53,286 </span><span class=\"S3BFF S27E S2\" id=\"t3o_174\">53,447 </span><span class=\"S3C00 S27E S2\" id=\"t3p_174\">Other financial liabilities </span><span class=\"S3C01 S27E S2\" id=\"t3q_174\">645,652 </span><span class=\"S3C02 S27E S2\" id=\"t3r_174\">645,652 </span><span class=\"S3C03 S27E S2\" id=\"t3s_174\">485,771 </span><span class=\"S3C04 S27E S2\" id=\"t3t_174\">485,771 </span><span class=\"S3C05 S27E S2\" id=\"t3u_174\">Subordinated bonds and loans </span><span class=\"S3C06 S27E S2\" id=\"t3v_174\">301,984 </span><span class=\"S3C07 S27E S2\" id=\"t3w_174\">268,911 </span><span class=\"S3C08 S27E S2\" id=\"t3x_174\">278,334 </span><span class=\"S3C09 S27E S2\" id=\"t3y_174\">284,709 </span><span class=\"S3C0A S27D S2\" id=\"t3z_174\">Total liabilities not measured at fair value </span><span class=\"S3C0B S27D S2\" id=\"t40_174\">28,751,428 </span><span class=\"S3C0C S27D S2\" id=\"t41_174\">28,116,265 </span><span class=\"S3C0D S27D S2\" id=\"t42_174\">23,968,755 </span><span class=\"S3C0E S27D S2\" id=\"t43_174\">23,751,169 </span><span class=\"S3C0F S27E S2\" id=\"t44_174\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S3C10 S27E S2\" id=\"t45_174\">54,191 </span><span class=\"S3C11 S27E S2\" id=\"t46_174\">54,191 </span><span class=\"S3C12 S27E S2\" id=\"t47_174\">41,184 </span><span class=\"S3C13 S27E S2\" id=\"t48_174\">41,184 </span><span class=\"S3C14 S27E S2\" id=\"t49_174\">Held for trading derivative financial liabilities </span><span class=\"S3C15 S27E S2\" id=\"t4a_174\">385,747 </span><span class=\"S3C16 S27E S2\" id=\"t4b_174\">385,747 </span><span class=\"S3C17 S27E S2\" id=\"t4c_174\">202,716 </span><span class=\"S3C18 S27E S2\" id=\"t4d_174\">202,716 </span><span class=\"S3C19 S27E S2\" id=\"t4e_174\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S3C1A S27E S2\" id=\"t4f_174\">27,949 </span><span class=\"S3C1B S27E S2\" id=\"t4g_174\">27,949 </span><span class=\"S3C1C S27E S2\" id=\"t4h_174\">11,228 </span><span class=\"S3C1D S27E S2\" id=\"t4i_174\">11,228 </span><span class=\"S3C1E S27D S2\" id=\"t4j_174\">Total liabilities measured at fair value </span><span class=\"S3C1F S27D S2\" id=\"t4k_174\">467,887 </span><span class=\"S3C20 S27D S2\" id=\"t4l_174\">467,887 </span><span class=\"S3C21 S27D S2\" id=\"t4m_174\">255,128 </span><span class=\"S3C22 S27D S2\" id=\"t4n_174\">255,128 </span><span class=\"S3C23 S27D S2\" id=\"t4o_174\">Financial liabilities total </span><span class=\"S3C24 S27D S2\" id=\"t4p_174\">29,219,315 </span><span class=\"S3C25 S27D S2\" id=\"t4q_174\">28,584,152 </span><span class=\"S3C26 S27D S2\" id=\"t4r_174\">24,223,883 </span><span class=\"S3C27 S27D S2\" id=\"t4s_174\">24,006,297 </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f20569": {
   "value": "<span class=\"S3B80 SB S2\" id=\"t5_174\">48.1. </span><span class=\"S3B81 SB S2\" id=\"t6_174\">Fair value of financial assets and liabilities </span><span class=\"S3B82 S27D S2\" id=\"t7_174\">2022 </span><span class=\"S3B83 S27D S2\" id=\"t8_174\">2021 </span><span class=\"S3B84 S27D S2\" id=\"t9_174\">Carrying amount </span><span class=\"S3B85 S27D S2\" id=\"ta_174\">Fair value </span><span class=\"S3B86 S27D S2\" id=\"tb_174\">Carrying amount </span><span class=\"S3B87 S27D S2\" id=\"tc_174\">Fair value </span><span class=\"S3B88 S27E S2\" id=\"td_174\">Cash, amounts due from banks and balances with the National Banks </span><span class=\"S3B89 S27E S2\" id=\"te_174\">4,221,392 </span><span class=\"S3B8A S27E S2\" id=\"tf_174\">4,221,392 </span><span class=\"S3B8B S27E S2\" id=\"tg_174\">2,556,035 </span><span class=\"S3B8C S27E S2\" id=\"th_174\">2,556,035 </span><span class=\"S3B8D S27E S2\" id=\"ti_174\">Placements with other banks </span><span class=\"S3B8E S27E S2\" id=\"tj_174\">1,351,082 </span><span class=\"S3B8F S27E S2\" id=\"tk_174\">1,322,560 </span><span class=\"S3B90 S27E S2\" id=\"tl_174\">1,584,861 </span><span class=\"S3B91 S27E S2\" id=\"tm_174\">1,566,458 </span><span class=\"S3B92 S27E S2\" id=\"tn_174\">Repo receivables </span><span class=\"S3B93 S27E S2\" id=\"to_174\">41,009 </span><span class=\"S3B94 S27E S2\" id=\"tp_174\">42,993 </span><span class=\"S3B95 S27E S2\" id=\"tq_174\">61,052 </span><span class=\"S3B96 S27E S2\" id=\"tr_174\">61,121 </span><span class=\"S3B97 S27E S2\" id=\"ts_174\">Securities at amortized cost </span><span class=\"S3B98 S27E S2\" id=\"tt_174\">4,891,938 </span><span class=\"S3B99 S27E S2\" id=\"tu_174\">4,048,877 </span><span class=\"S3B9A S27E S2\" id=\"tv_174\">3,891,335 </span><span class=\"S3B9B S27E S2\" id=\"tw_174\">3,645,046 </span><span class=\"S3B9C S27E S2\" id=\"tx_174\">Loans at amortized cost </span><span class=\"S3B9D S27E S2\" id=\"ty_174\">16,094,458 </span><span class=\"S3B9E S27E S2\" id=\"tz_174\">15,557,928 </span><span class=\"S3B9F S27E S2\" id=\"t10_174\">13,493,183 </span><span class=\"S3BA0 S27E S2\" id=\"t11_174\">13,106,425 </span><span class=\"S3BA1 S27E S2\" id=\"t12_174\">Finance lease receivables </span><span class=\"S3BA2 S27E S2\" id=\"t13_174\">1,298,752 </span><span class=\"S3BA3 S27E S2\" id=\"t14_174\">1,320,286 </span><span class=\"S3BA4 S27E S2\" id=\"t15_174\">1,182,628 </span><span class=\"S3BA5 S27E S2\" id=\"t16_174\">1,183,089 </span><span class=\"S3BA6 S27E S2\" id=\"t17_174\">Other financial assets </span><span class=\"S3BA7 S27E S2\" id=\"t18_174\">262,981 </span><span class=\"S3BA8 S27E S2\" id=\"t19_174\">262,981 </span><span class=\"S3BA9 S27E S2\" id=\"t1a_174\">135,916 </span><span class=\"S3BAA S27E S2\" id=\"t1b_174\">135,916 </span><span class=\"S3BAB S27D S2\" id=\"t1c_174\">Total assets not measured at fair value </span><span class=\"S3BAC S27D S2\" id=\"t1d_174\">28,161,612 </span><span class=\"S3BAD S27D S2\" id=\"t1e_174\">26,777,017 </span><span class=\"S3BAE S27D S2\" id=\"t1f_174\">22,905,010 </span><span class=\"S3BAF S27D S2\" id=\"t1g_174\">22,254,090 </span><span class=\"S3BB0 S27E S2\" id=\"t1h_174\">Financial assets at fair value through profit or loss </span><span class=\"S3BB1 S27E S2\" id=\"t1i_174\">436,387 </span><span class=\"S3BB2 S27E S2\" id=\"t1j_174\">436,387 </span><span class=\"S3BB3 S27E S2\" id=\"t1k_174\">341,397 </span><span class=\"S3BB4 S27E S2\" id=\"t1l_174\">341,397 </span><span class=\"S3BB5 S3C28 S2\" id=\"t1m_174\">Trading securities at fair value through profit or loss </span><span class=\"S3BB6 S3C28 S2\" id=\"t1n_174\">104,750 </span><span class=\"S3BB7 S3C28 S2\" id=\"t1o_174\">104,750 </span><span class=\"S3BB8 S3C28 S2\" id=\"t1p_174\">103,510 </span><span class=\"S3BB9 S3C28 S2\" id=\"t1q_174\">103,510 </span><span class=\"S3BBA S3C28 S2\" id=\"t1r_174\">Fair value of derivative financial assets held for trading </span><span class=\"S3BBB S3C28 S2\" id=\"t1s_174\">276,482 </span><span class=\"S3BBC S3C28 S2\" id=\"t1t_174\">276,482 </span><span class=\"S3BBD S3C28 S2\" id=\"t1u_174\">184,484 </span><span class=\"S3BBE S3C28 S2\" id=\"t1v_174\">184,484 </span><span class=\"S3BBF S3C28 S2\" id=\"t1w_174\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S3BC0 S3C28 S2\" id=\"t1x_174\">55,155 </span><span class=\"S3BC1 S3C28 S2\" id=\"t1y_174\">55,155 </span><span class=\"S3BC2 S3C28 S2\" id=\"t1z_174\">53,403 </span><span class=\"S3BC3 S3C28 S2\" id=\"t20_174\">53,403 </span><span class=\"S3BC4 S3C28 S2\" id=\"t21_174\">Financial assets designated at fair value through profit or loss </span><span class=\"S3BC5 S3C28 S2\" id=\"t22_174\">- </span><span class=\"S3BC6 S3C28 S2\" id=\"t23_174\">- </span><span class=\"S3BC7 S3C28 S2\" id=\"t24_174\">- </span><span class=\"S3BC8 S3C28 S2\" id=\"t25_174\">- </span><span class=\"S3BC9 S27E S2\" id=\"t26_174\">Equity instruments at fair value through other comprehensive income </span><span class=\"S3BCA S27E S2\" id=\"t27_174\">40,157 </span><span class=\"S3BCB S27E S2\" id=\"t28_174\">40,157 </span><span class=\"S3BCC S27E S2\" id=\"t29_174\">34,976 </span><span class=\"S3BCD S27E S2\" id=\"t2a_174\">34,976 </span><span class=\"S3BCE S27E S2\" id=\"t2b_174\">Securities at fair value through other comprehensive income </span><span class=\"S3BCF S27E S2\" id=\"t2c_174\">1,699,446 </span><span class=\"S3BD0 S27E S2\" id=\"t2d_174\">1,699,446 </span><span class=\"S3BD1 S27E S2\" id=\"t2e_174\">2,189,534 </span><span class=\"S3BD2 S27E S2\" id=\"t2f_174\">2,189,534 </span><span class=\"S3BD3 S27E S2\" id=\"t2g_174\">Loans mandatorily at fair value through profit or loss </span><span class=\"S3BD4 S27E S2\" id=\"t2h_174\">1,247,414 </span><span class=\"S3BD5 S27E S2\" id=\"t2i_174\">1,247,414 </span><span class=\"S3BD6 S27E S2\" id=\"t2j_174\">1,068,111 </span><span class=\"S3BD7 S27E S2\" id=\"t2k_174\">1,068,111 </span><span class=\"S3BD8 S27E S2\" id=\"t2l_174\">Derivative financial assets designated as hedge accounting </span><span class=\"S3BD9 S27E S2\" id=\"t2m_174\">48,247 </span><span class=\"S3BDA S27E S2\" id=\"t2n_174\">48,247 </span><span class=\"S3BDB S27E S2\" id=\"t2o_174\">18,757 </span><span class=\"S3BDC S27E S2\" id=\"t2p_174\">18,757 </span><span class=\"S3BDD S27D S2\" id=\"t2q_174\">Total assets measured at fair value </span><span class=\"S3BDE S27D S2\" id=\"t2r_174\">3,471,651 </span><span class=\"S3BDF S27D S2\" id=\"t2s_174\">3,471,651 </span><span class=\"S3BE0 S27D S2\" id=\"t2t_174\">3,652,775 </span><span class=\"S3BE1 S27D S2\" id=\"t2u_174\">3,652,775 </span><span class=\"S3BE2 S27D S2\" id=\"t2v_174\">Financial assets total </span><span class=\"S3BE3 S27D S2\" id=\"t2w_174\">31,633,263 </span><span class=\"S3BE4 S27D S2\" id=\"t2x_174\">30,248,668 </span><span class=\"S3BE5 S27D S2\" id=\"t2y_174\">26,557,785 </span><span class=\"S3BE6 S27D S2\" id=\"t2z_174\">25,906,865 </span><span class=\"S3BE7 S27E S2\" id=\"t30_174\">Amounts due to the National Governments, to the National Banks and other banks </span><span class=\"S3BE8 S27E S2\" id=\"t31_174\">1,463,158 </span><span class=\"S3BE9 S27E S2\" id=\"t32_174\">1,109,924 </span><span class=\"S3BEA S27E S2\" id=\"t33_174\">1,567,348 </span><span class=\"S3BEB S27E S2\" id=\"t34_174\">1,446,036 </span><span class=\"S3BEC S27E S2\" id=\"t35_174\">Repo liabilities </span><span class=\"S3BED S27E S2\" id=\"t36_174\">217,369 </span><span class=\"S3BEE S27E S2\" id=\"t37_174\">227,669 </span><span class=\"S3BEF S27E S2\" id=\"t38_174\">79,047 </span><span class=\"S3BF0 S27E S2\" id=\"t39_174\">79,010 </span><span class=\"S3BF1 S27E S2\" id=\"t3a_174\">Deposits from customers </span><span class=\"S3BF2 S27E S2\" id=\"t3b_174\">25,188,805 </span><span class=\"S3BF3 S27E S2\" id=\"t3c_174\">25,056,412 </span><span class=\"S3BF4 S27E S2\" id=\"t3d_174\">21,068,644 </span><span class=\"S3BF5 S27E S2\" id=\"t3e_174\">21,002,125 </span><span class=\"S3BF6 S27E S2\" id=\"t3f_174\">Liabilities from issued securities </span><span class=\"S3BF7 S27E S2\" id=\"t3g_174\">870,682 </span><span class=\"S3BF8 S27E S2\" id=\"t3h_174\">743,907 </span><span class=\"S3BF9 S27E S2\" id=\"t3i_174\">436,325 </span><span class=\"S3BFA S27E S2\" id=\"t3j_174\">400,071 </span><span class=\"S3BFB S27E S2\" id=\"t3k_174\">Leasing liabilities </span><span class=\"S3BFC S27E S2\" id=\"t3l_174\">63,778 </span><span class=\"S3BFD S27E S2\" id=\"t3m_174\">63,791 </span><span class=\"S3BFE S27E S2\" id=\"t3n_174\">53,286 </span><span class=\"S3BFF S27E S2\" id=\"t3o_174\">53,447 </span><span class=\"S3C00 S27E S2\" id=\"t3p_174\">Other financial liabilities </span><span class=\"S3C01 S27E S2\" id=\"t3q_174\">645,652 </span><span class=\"S3C02 S27E S2\" id=\"t3r_174\">645,652 </span><span class=\"S3C03 S27E S2\" id=\"t3s_174\">485,771 </span><span class=\"S3C04 S27E S2\" id=\"t3t_174\">485,771 </span><span class=\"S3C05 S27E S2\" id=\"t3u_174\">Subordinated bonds and loans </span><span class=\"S3C06 S27E S2\" id=\"t3v_174\">301,984 </span><span class=\"S3C07 S27E S2\" id=\"t3w_174\">268,911 </span><span class=\"S3C08 S27E S2\" id=\"t3x_174\">278,334 </span><span class=\"S3C09 S27E S2\" id=\"t3y_174\">284,709 </span><span class=\"S3C0A S27D S2\" id=\"t3z_174\">Total liabilities not measured at fair value </span><span class=\"S3C0B S27D S2\" id=\"t40_174\">28,751,428 </span><span class=\"S3C0C S27D S2\" id=\"t41_174\">28,116,265 </span><span class=\"S3C0D S27D S2\" id=\"t42_174\">23,968,755 </span><span class=\"S3C0E S27D S2\" id=\"t43_174\">23,751,169 </span><span class=\"S3C0F S27E S2\" id=\"t44_174\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S3C10 S27E S2\" id=\"t45_174\">54,191 </span><span class=\"S3C11 S27E S2\" id=\"t46_174\">54,191 </span><span class=\"S3C12 S27E S2\" id=\"t47_174\">41,184 </span><span class=\"S3C13 S27E S2\" id=\"t48_174\">41,184 </span><span class=\"S3C14 S27E S2\" id=\"t49_174\">Held for trading derivative financial liabilities </span><span class=\"S3C15 S27E S2\" id=\"t4a_174\">385,747 </span><span class=\"S3C16 S27E S2\" id=\"t4b_174\">385,747 </span><span class=\"S3C17 S27E S2\" id=\"t4c_174\">202,716 </span><span class=\"S3C18 S27E S2\" id=\"t4d_174\">202,716 </span><span class=\"S3C19 S27E S2\" id=\"t4e_174\">Derivative financial liabilities designated as hedge accounting </span><span class=\"S3C1A S27E S2\" id=\"t4f_174\">27,949 </span><span class=\"S3C1B S27E S2\" id=\"t4g_174\">27,949 </span><span class=\"S3C1C S27E S2\" id=\"t4h_174\">11,228 </span><span class=\"S3C1D S27E S2\" id=\"t4i_174\">11,228 </span><span class=\"S3C1E S27D S2\" id=\"t4j_174\">Total liabilities measured at fair value </span><span class=\"S3C1F S27D S2\" id=\"t4k_174\">467,887 </span><span class=\"S3C20 S27D S2\" id=\"t4l_174\">467,887 </span><span class=\"S3C21 S27D S2\" id=\"t4m_174\">255,128 </span><span class=\"S3C22 S27D S2\" id=\"t4n_174\">255,128 </span><span class=\"S3C23 S27D S2\" id=\"t4o_174\">Financial liabilities total </span><span class=\"S3C24 S27D S2\" id=\"t4p_174\">29,219,315 </span><span class=\"S3C25 S27D S2\" id=\"t4q_174\">28,584,152 </span><span class=\"S3C29 SB S2\" id=\"t5_175\">48.2.  Fair value of derivative instruments </span><span class=\"S3C2A SA7 S2\" id=\"t6_175\">The Group regularly enters into hedging transactions in order to decrease its financial risks. However some </span><span class=\"S3C2B SA7 S2\" id=\"t7_175\">economically hedging transaction do not meet the criteria to qualify as hedge accounting, therefore these </span><span class=\"S3C2C SA7 S2\" id=\"t8_175\">transactions were accounted for as derivatives held for trading. </span><span class=\"S3C2D SA7 S2\" id=\"t9_175\">The assessment of the hedge effectiveness (both for fair value hedges and cash flow hedges) to determine the </span><span class=\"S3C2E SA7 S2\" id=\"ta_175\">economic relationship between the hedged item and the hedging instrument is accomplished with prospective </span><span class=\"S3C2F SA7 S2\" id=\"tb_175\">scenario analysis via different rate shift scenarios of the relevant risk factor(s) of the hedged risk component(s). </span><span class=\"S3C30 SA7 S2\" id=\"tc_175\">The fair value change of the hedged item and the hedging instrument is compared in the different scenarios. </span><span class=\"S3C31 SA7 S2\" id=\"td_175\">Economic relationship is justified if the change of the fair value of the hedged item and the hedging instrument are </span><span class=\"S3358 SA7 S2\" id=\"te_175\">in the opposite direction and the absolute changes are similar amounts. The hedge ratio is determined as the ratio </span><span class=\"S3C32 SA7 S2\" id=\"tf_175\">of the notional of the hedged item and the notional of the hedging instrument. The sources of hedge ineffectiveness </span><span class=\"S3C33 SA7 S2\" id=\"tg_175\">are the not hedged risk components (e.g. change of cross currency basis spreads in case of interest rate risk hedges), </span><span class=\"S3C34 SA7 S2\" id=\"th_175\">slight differences in maturity dates and interest payment dates in case of fair value hedges, and differences between </span><span class=\"S3C35 SA7 S2\" id=\"ti_175\">the carrying amount of the hedged item and the carrying amount of the hedging instrument in case of FX hedges </span><span class=\"S976 SA7 S2\" id=\"tj_175\">(e.g. caused by interest rate risk components in the fair value of the hedging instrument). </span><span class=\"S3C36 SA7 S2\" id=\"tk_175\">The summary of the derivatives held for trading and derivatives designated as hedge accounting of the Group are </span><span class=\"S3C37 SA7 S2\" id=\"tl_175\">as follows: </span><span class=\"S3B80 SB S2\" id=\"t5_176\">48.2. </span><span class=\"S3C38 SB S2\" id=\"t6_176\">Fair value of derivative instruments [continued] </span><span class=\"S3C39 S27D S2\" id=\"t7_176\">2022 </span><span class=\"S3C3A S27D S2\" id=\"t8_176\">2021 </span><span class=\"S3C3B S27D S2\" id=\"t9_176\">Before netting </span><span class=\"S3C3C S27D S2\" id=\"ta_176\">Netting </span><span class=\"S3C3D S27D S2\" id=\"tb_176\">After netting </span><span class=\"S3C3E S27D S2\" id=\"tc_176\">Before netting </span><span class=\"S3C3F S27D S2\" id=\"td_176\">Netting </span><span class=\"S3C40 S27D S2\" id=\"te_176\">After netting </span><span class=\"S3C41 S27D S2\" id=\"tf_176\">Assets </span><span class=\"S3C42 S27D S2\" id=\"tg_176\">Liabilities </span><span class=\"S3C43 S27D S2\" id=\"th_176\">Assets </span><span class=\"S3C44 S27D S2\" id=\"ti_176\">Liabilities </span><span class=\"S3C45 S27D S2\" id=\"tj_176\">Assets </span><span class=\"S3C46 S27D S2\" id=\"tk_176\">Liabilities </span><span class=\"S3C47 S27D S2\" id=\"tl_176\">Assets </span><span class=\"S3C48 S27D S2\" id=\"tm_176\">Liabilities </span><span class=\"S3C49 S27D S2\" id=\"tn_176\">Held for trading derivative financial </span><span class=\"S3C4A S27D S2\" id=\"to_176\">instruments </span><span class=\"S3C4B S27D S2\" id=\"tp_176\">Interest rate derivatives </span><span class=\"S3C4C S27E S2\" id=\"tq_176\">Interest rate swaps </span><span class=\"S3C4D S27E S2\" id=\"tr_176\">165,478 </span><span class=\"S3C4E S27E S2\" id=\"ts_176\">(171,706) </span><span class=\"S3C4F S27E S2\" id=\"tt_176\">155,468 </span><span class=\"S3C50 S27E S2\" id=\"tu_176\">10,010 </span><span class=\"S3C51 S27E S2\" id=\"tv_176\">(16,238) </span><span class=\"S3C52 S27E S2\" id=\"tw_176\">58,512 </span><span class=\"S3C53 S27E S2\" id=\"tx_176\">(56,070) </span><span class=\"S3C54 S27E S2\" id=\"ty_176\">40,783 </span><span class=\"S3C55 S27E S2\" id=\"tz_176\">17,729 </span><span class=\"S3C56 S27E S2\" id=\"t10_176\">(15,287) </span><span class=\"S3C57 S27E S2\" id=\"t11_176\">Cross currency interest rate swaps </span><span class=\"S3C58 S27E S2\" id=\"t12_176\">11,332 </span><span class=\"S3C59 S27E S2\" id=\"t13_176\">(12,139) </span><span class=\"S3C5A S27E S2\" id=\"t14_176\">- </span><span class=\"S3C5B S27E S2\" id=\"t15_176\">11,332 </span><span class=\"S3C5C S27E S2\" id=\"t16_176\">(12,139) </span><span class=\"S3C5D S27E S2\" id=\"t17_176\">7,316 </span><span class=\"S3C5E S27E S2\" id=\"t18_176\">(7,621) </span><span class=\"S3C5F S27E S2\" id=\"t19_176\">- </span><span class=\"S3C60 S27E S2\" id=\"t1a_176\">7,316 </span><span class=\"S3C61 S27E S2\" id=\"t1b_176\">(7,621) </span><span class=\"S3C62 S27E S2\" id=\"t1c_176\">OTC options </span><span class=\"S3C63 S27E S2\" id=\"t1d_176\">1,074 </span><span class=\"S3C64 S27E S2\" id=\"t1e_176\">(1,069) </span><span class=\"S3C65 S27E S2\" id=\"t1f_176\">- </span><span class=\"S3C66 S27E S2\" id=\"t1g_176\">1,074 </span><span class=\"S3C67 S27E S2\" id=\"t1h_176\">(1,069) </span><span class=\"S3C68 S27E S2\" id=\"t1i_176\">484 </span><span class=\"S3C69 S27E S2\" id=\"t1j_176\">(299) </span><span class=\"S3C6A S27E S2\" id=\"t1k_176\">- </span><span class=\"S3C6B S27E S2\" id=\"t1l_176\">484 </span><span class=\"S3C6C S27E S2\" id=\"t1m_176\">(299) </span><span class=\"S3C6D S27E S2\" id=\"t1n_176\">Forward rate agreement </span><span class=\"S3C6E S27E S2\" id=\"t1o_176\">505 </span><span class=\"S3C6F S27E S2\" id=\"t1p_176\">(3) </span><span class=\"S3C70 S27E S2\" id=\"t1q_176\">505 </span><span class=\"S3C71 S27E S2\" id=\"t1r_176\">- </span><span class=\"S3C72 S27E S2\" id=\"t1s_176\">502 </span><span class=\"S3C73 S27E S2\" id=\"t1t_176\">- </span><span class=\"S3C74 S27E S2\" id=\"t1u_176\">- </span><span class=\"S3C75 S27E S2\" id=\"t1v_176\">- </span><span class=\"S3C76 S27E S2\" id=\"t1w_176\">- </span><span class=\"S3C77 S27E S2\" id=\"t1x_176\">- </span><span class=\"S3C78 S27D S2\" id=\"t1y_176\">Total interest rate derivatives (OTC derivatives) </span><span class=\"S3C79 S27D S2\" id=\"t1z_176\">178,389 </span><span class=\"S3C7A S27D S2\" id=\"t20_176\">(184,917) </span><span class=\"S3C7B S27D S2\" id=\"t21_176\">155,973 </span><span class=\"S3C7C S27D S2\" id=\"t22_176\">22,416 </span><span class=\"S3C7D S27D S2\" id=\"t23_176\">(28,944) </span><span class=\"S3C7E S27D S2\" id=\"t24_176\">66,312 </span><span class=\"S3C7F S27D S2\" id=\"t25_176\">(63,990) </span><span class=\"S3C80 S27D S2\" id=\"t26_176\">40,783 </span><span class=\"S3C81 S27D S2\" id=\"t27_176\">25,529 </span><span class=\"S3C82 S27D S2\" id=\"t28_176\">(23,207) </span><span class=\"S3C83 S27D S2\" id=\"t29_176\">Foreign exchange derivatives </span><span class=\"S3C84 S27E S2\" id=\"t2a_176\">Foreign exchange swaps </span><span class=\"S3C85 S27E S2\" id=\"t2b_176\">76,881 </span><span class=\"S3C86 S27E S2\" id=\"t2c_176\">(72,959) </span><span class=\"S3C87 S27E S2\" id=\"t2d_176\">- </span><span class=\"S3C88 S27E S2\" id=\"t2e_176\">76,881 </span><span class=\"S3C89 S27E S2\" id=\"t2f_176\">(72,959) </span><span class=\"S3C8A S27E S2\" id=\"t2g_176\">37,638 </span><span class=\"S3C8B S27E S2\" id=\"t2h_176\">(42,272) </span><span class=\"S3C8C S27E S2\" id=\"t2i_176\">- </span><span class=\"S3C8D S27E S2\" id=\"t2j_176\">37,638 </span><span class=\"S3C8E S27E S2\" id=\"t2k_176\">(42,272) </span><span class=\"S3C8F S27E S2\" id=\"t2l_176\">Foreign exchange forward contracts </span><span class=\"S3C90 S27E S2\" id=\"t2m_176\">13,085 </span><span class=\"S3C91 S27E S2\" id=\"t2n_176\">(13,740) </span><span class=\"S3C92 S27E S2\" id=\"t2o_176\">- </span><span class=\"S3C93 S27E S2\" id=\"t2p_176\">13,085 </span><span class=\"S3C94 S27E S2\" id=\"t2q_176\">(13,740) </span><span class=\"S3C95 S27E S2\" id=\"t2r_176\">10,790 </span><span class=\"S3C96 S27E S2\" id=\"t2s_176\">(7,738) </span><span class=\"S3C97 S27E S2\" id=\"t2t_176\">- </span><span class=\"S3C98 S27E S2\" id=\"t2u_176\">10,790 </span><span class=\"S3C99 S27E S2\" id=\"t2v_176\">(7,738) </span><span class=\"S3C9A S27E S2\" id=\"t2w_176\">OTC options </span><span class=\"S3C9B S27E S2\" id=\"t2x_176\">1,048 </span><span class=\"S3C9C S27E S2\" id=\"t2y_176\">(822) </span><span class=\"S3C9D S27E S2\" id=\"t2z_176\">- </span><span class=\"S3C9E S27E S2\" id=\"t30_176\">1,048 </span><span class=\"S3C9F S27E S2\" id=\"t31_176\">(822) </span><span class=\"S3CA0 S27E S2\" id=\"t32_176\">801 </span><span class=\"S3CA1 S27E S2\" id=\"t33_176\">(180) </span><span class=\"S3CA2 S27E S2\" id=\"t34_176\">- </span><span class=\"S3CA3 S27E S2\" id=\"t35_176\">801 </span><span class=\"S3CA4 S27E S2\" id=\"t36_176\">(180) </span><span class=\"S3CA5 S27E S2\" id=\"t37_176\">Foreign exchange spot conversion </span><span class=\"S3CA6 S27E S2\" id=\"t38_176\">177 </span><span class=\"S3CA7 S27E S2\" id=\"t39_176\">(177) </span><span class=\"S3CA8 S27E S2\" id=\"t3a_176\">- </span><span class=\"S3CA9 S27E S2\" id=\"t3b_176\">177 </span><span class=\"S3CAA S27E S2\" id=\"t3c_176\">(177) </span><span class=\"S3CAB S27E S2\" id=\"t3d_176\">187 </span><span class=\"S3CAC S27E S2\" id=\"t3e_176\">(242) </span><span class=\"S3CAD S27E S2\" id=\"t3f_176\">- </span><span class=\"S3CAE S27E S2\" id=\"t3g_176\">187 </span><span class=\"S3CAF S27E S2\" id=\"t3h_176\">(242) </span><span class=\"S3CB0 S27D S2\" id=\"t3i_176\">Total foreign exchange derivatives </span><span class=\"S3CB1 S27D S2\" id=\"t3j_176\">(OTC derivatives) </span><span class=\"S3CB2 S27D S2\" id=\"t3k_176\">91,191 </span><span class=\"S3CB3 S27D S2\" id=\"t3l_176\">(87,698) </span><span class=\"S3CB4 S27D S2\" id=\"t3m_176\">- </span><span class=\"S3CB5 S27D S2\" id=\"t3n_176\">91,191 </span><span class=\"S3CB6 S27D S2\" id=\"t3o_176\">(87,698) </span><span class=\"S3CB7 S27D S2\" id=\"t3p_176\">49,416 </span><span class=\"S3CB8 S27D S2\" id=\"t3q_176\">(50,432) </span><span class=\"S3CB9 S27D S2\" id=\"t3r_176\">- </span><span class=\"S3CBA S27D S2\" id=\"t3s_176\">49,416 </span><span class=\"S3CBB S27D S2\" id=\"t3t_176\">(50,432) </span><span class=\"S3CBC S27D S2\" id=\"t3u_176\">Equity stock and index derivatives </span><span class=\"S3CBD S27E S2\" id=\"t3v_176\">Commodity Swaps </span><span class=\"S3CBE S27E S2\" id=\"t3w_176\">33,693 </span><span class=\"S3CBF S27E S2\" id=\"t3x_176\">(31,632) </span><span class=\"S3CC0 S27E S2\" id=\"t3y_176\">- </span><span class=\"S3CC1 S27E S2\" id=\"t3z_176\">33,693 </span><span class=\"S3CC2 S27E S2\" id=\"t40_176\">(31,632) </span><span class=\"S3CC3 S27E S2\" id=\"t41_176\">51,523 </span><span class=\"S3CC4 S27E S2\" id=\"t42_176\">(51,508) </span><span class=\"S3CC5 S27E S2\" id=\"t43_176\">- </span><span class=\"S3CC6 S27E S2\" id=\"t44_176\">51,523 </span><span class=\"S3CC7 S27E S2\" id=\"t45_176\">(51,508) </span><span class=\"S3CC8 S27E S2\" id=\"t46_176\">Equity swaps </span><span class=\"S3CC9 S27E S2\" id=\"t47_176\">54 </span><span class=\"S3CCA S27E S2\" id=\"t48_176\">(702) </span><span class=\"S3CCB S27E S2\" id=\"t49_176\">- </span><span class=\"S3CCC S27E S2\" id=\"t4a_176\">54 </span><span class=\"S3CCD S27E S2\" id=\"t4b_176\">(702) </span><span class=\"S3CCE S27E S2\" id=\"t4c_176\">10,538 </span><span class=\"S3CCF S27E S2\" id=\"t4d_176\">(357) </span><span class=\"S3CD0 S27E S2\" id=\"t4e_176\">- </span><span class=\"S3CD1 S27E S2\" id=\"t4f_176\">10,538 </span><span class=\"S3CD2 S27E S2\" id=\"t4g_176\">(357) </span><span class=\"S3CD3 S27D S2\" id=\"t4h_176\">OTC derivatives total </span><span class=\"S3CD4 S27D S2\" id=\"t4i_176\">33,747 </span><span class=\"S3CD5 S27D S2\" id=\"t4j_176\">(32,334) </span><span class=\"S3CD6 S27D S2\" id=\"t4k_176\">- </span><span class=\"S3CD7 S27D S2\" id=\"t4l_176\">33,747 </span><span class=\"S3CD8 S27D S2\" id=\"t4m_176\">(32,334) </span><span class=\"S3CD9 S27D S2\" id=\"t4n_176\">62,061 </span><span class=\"S3CDA S27D S2\" id=\"t4o_176\">(51,865) </span><span class=\"S3CDB S27D S2\" id=\"t4p_176\">- </span><span class=\"S3CDC S27D S2\" id=\"t4q_176\">62,061 </span><span class=\"S3CDD S27D S2\" id=\"t4r_176\">(51,865) </span><span class=\"S3CDE S27E S2\" id=\"t4s_176\">Exchange traded futures and options </span><span class=\"S3CDF S27E S2\" id=\"t4t_176\">214 </span><span class=\"S3CE0 S27E S2\" id=\"t4u_176\">(1,887) </span><span class=\"S3CE1 S27E S2\" id=\"t4v_176\">- </span><span class=\"S3CE2 S27E S2\" id=\"t4w_176\">214 </span><span class=\"S3CE3 S27E S2\" id=\"t4x_176\">(1,887) </span><span class=\"S3CE4 S27E S2\" id=\"t4y_176\">171 </span><span class=\"S3CE5 S27E S2\" id=\"t4z_176\">(278) </span><span class=\"S3CE6 S27E S2\" id=\"t50_176\">- </span><span class=\"S3CE7 S27E S2\" id=\"t51_176\">171 </span><span class=\"S3CE8 S27E S2\" id=\"t52_176\">(278) </span><span class=\"S3CE9 S27D S2\" id=\"t53_176\">Total equity stock and index derivatives </span><span class=\"S3CEA S27D S2\" id=\"t54_176\">33,961 </span><span class=\"S3CEB S27D S2\" id=\"t55_176\">(34,221) </span><span class=\"S3CEC S27D S2\" id=\"t56_176\">- </span><span class=\"S3CED S27D S2\" id=\"t57_176\">33,961 </span><span class=\"S3CEE S27D S2\" id=\"t58_176\">(34,221) </span><span class=\"S3CEF S27D S2\" id=\"t59_176\">62,232 </span><span class=\"S3CF0 S27D S2\" id=\"t5a_176\">(52,143) </span><span class=\"S3CF1 S27D S2\" id=\"t5b_176\">- </span><span class=\"S3CF2 S27D S2\" id=\"t5c_176\">62,232 </span><span class=\"S3CF3 S27D S2\" id=\"t5d_176\">(52,143) </span><span class=\"S3CF4 S27D S2\" id=\"t5e_176\">Derivatives held for risk management </span><span class=\"S3CF5 S27D S2\" id=\"t5f_176\">not designated in hedge </span><span class=\"S3CF6 S27E S2\" id=\"t5g_176\">Interest rate swaps </span><span class=\"S3CF7 S27E S2\" id=\"t5h_176\">136,164 </span><span class=\"S3CF8 S27E S2\" id=\"t5i_176\">(239,975) </span><span class=\"S3CF9 S27E S2\" id=\"t5j_176\">18,944 </span><span class=\"S3CFA S27E S2\" id=\"t5k_176\">117,220 </span><span class=\"S3CFB S27E S2\" id=\"t5l_176\">(221,031) </span><span class=\"S3CFC S27E S2\" id=\"t5m_176\">47,457 </span><span class=\"S3CFD S27E S2\" id=\"t5n_176\">(78,340) </span><span class=\"S3CFE S27E S2\" id=\"t5o_176\">5,682 </span><span class=\"S3CFF S27E S2\" id=\"t5p_176\">41,775 </span><span class=\"S3D00 S27E S2\" id=\"t5q_176\">(72,658) </span><span class=\"S3D01 S27E S2\" id=\"t5r_176\">Foreign exchange swaps </span><span class=\"S3D02 S27E S2\" id=\"t5s_176\">2,514 </span><span class=\"S3D03 S27E S2\" id=\"t5t_176\">(10,190) </span><span class=\"S3D04 S27E S2\" id=\"t5u_176\">- </span><span class=\"S3D05 S27E S2\" id=\"t5v_176\">2,514 </span><span class=\"S3D06 S27E S2\" id=\"t5w_176\">(10,190) </span><span class=\"S3D07 S27E S2\" id=\"t5x_176\">1,090 </span><span class=\"S3D08 S27E S2\" id=\"t5y_176\">(4,108) </span><span class=\"S3D09 S27E S2\" id=\"t5z_176\">- </span><span class=\"S3D0A S27E S2\" id=\"t60_176\">1,090 </span><span class=\"S3D0B S27E S2\" id=\"t61_176\">(4,108) </span><span class=\"S3D0C S27E S2\" id=\"t62_176\">Foreign exchange spot </span><span class=\"S3D0D S27E S2\" id=\"t63_176\">- </span><span class=\"S3D0E S27E S2\" id=\"t64_176\">(43) </span><span class=\"S3D0F S27E S2\" id=\"t65_176\">- </span><span class=\"S3D10 S27E S2\" id=\"t66_176\">- </span><span class=\"S3D11 S27E S2\" id=\"t67_176\">(43) </span><span class=\"S3D12 S27E S2\" id=\"t68_176\">- </span><span class=\"S3D13 S27E S2\" id=\"t69_176\">- </span><span class=\"S3D14 S27E S2\" id=\"t6a_176\">- </span><span class=\"S3D15 S27E S2\" id=\"t6b_176\">- </span><span class=\"S3D16 S27E S2\" id=\"t6c_176\">- </span><span class=\"S3D17 S27E S2\" id=\"t6d_176\">Cross currency interest rate swaps </span><span class=\"S3D18 S27E S2\" id=\"t6e_176\">9,180 </span><span class=\"S3D19 S27E S2\" id=\"t6f_176\">(3,620) </span><span class=\"S3D1A S27E S2\" id=\"t6g_176\">- </span><span class=\"S3D1B S27E S2\" id=\"t6h_176\">9,180 </span><span class=\"S3D1C S27E S2\" id=\"t6i_176\">(3,620) </span><span class=\"S3D1D S27E S2\" id=\"t6j_176\">4,442 </span><span class=\"S3D1E S27E S2\" id=\"t6k_176\">(168) </span><span class=\"S3D1F S27E S2\" id=\"t6l_176\">- </span><span class=\"S3D20 S27E S2\" id=\"t6m_176\">4,442 </span><span class=\"S3D21 S27E S2\" id=\"t6n_176\">(168) </span><span class=\"S3D22 S27D S2\" id=\"t6o_176\">Total derivatives held for risk </span><span class=\"S3D23 S27D S2\" id=\"t6p_176\">management not designated in hedge </span><span class=\"S3D24 S27D S2\" id=\"t6q_176\">147,858 </span><span class=\"S3D25 S27D S2\" id=\"t6r_176\">(253,828) </span><span class=\"S3D26 S27D S2\" id=\"t6s_176\">18,944 </span><span class=\"S3D27 S27D S2\" id=\"t6t_176\">128,914 </span><span class=\"S3D28 S27D S2\" id=\"t6u_176\">(234,884) </span><span class=\"S3D29 S27D S2\" id=\"t6v_176\">52,989 </span><span class=\"S3D2A S27D S2\" id=\"t6w_176\">(82,616) </span><span class=\"S3D2B S27D S2\" id=\"t6x_176\">5,682 </span><span class=\"S3D2C S27D S2\" id=\"t6y_176\">47,307 </span><span class=\"S3D2D S27D S2\" id=\"t6z_176\">(76,934) </span><span class=\"S3D2E S27D S2\" id=\"t70_176\">Total held for trading derivative </span><span class=\"S3D2F S27D S2\" id=\"t71_176\">financial instruments </span><span class=\"S3D30 S27D S2\" id=\"t72_176\">451,399 </span><span class=\"S3D31 S27D S2\" id=\"t73_176\">(560,664) </span><span class=\"S3D32 S27D S2\" id=\"t74_176\">174,917 </span><span class=\"S3D33 S27D S2\" id=\"t75_176\">276,482 </span><span class=\"S3D34 S27D S2\" id=\"t76_176\">(385,747) </span><span class=\"S3D35 S27D S2\" id=\"t77_176\">230,949 </span><span class=\"S3D36 S27D S2\" id=\"t78_176\">(249,181) </span><span class=\"S3D37 S27D S2\" id=\"t79_176\">46,465 </span><span class=\"S3D38 S27D S2\" id=\"t7a_176\">184,484 </span><span class=\"S3D39 S27D S2\" id=\"t7b_176\">(202,716) </span><span class=\"S3D3B SB S2\" id=\"t5_177\">48.2.  Fair value of derivative instruments [continued] </span><span class=\"S3D3C S27D S2\" id=\"t6_177\">2022 </span><span class=\"S3D3D S27D S2\" id=\"t7_177\">2021 </span><span class=\"S3D3E S27D S2\" id=\"t8_177\">Before netting </span><span class=\"S3D3F S27D S2\" id=\"t9_177\">Netting </span><span class=\"S3D40 S27D S2\" id=\"ta_177\">After netting </span><span class=\"S3D41 S27D S2\" id=\"tb_177\">Before netting </span><span class=\"S3D42 S27D S2\" id=\"tc_177\">Netting </span><span class=\"S3D43 S27D S2\" id=\"td_177\">After netting </span><span class=\"S3D44 S27D S2\" id=\"te_177\">Assets </span><span class=\"S3D45 S27D S2\" id=\"tf_177\">Liabilities </span><span class=\"S3D46 S27D S2\" id=\"tg_177\">Assets </span><span class=\"S3D47 S27D S2\" id=\"th_177\">Liabilities </span><span class=\"S3D48 S27D S2\" id=\"ti_177\">Assets </span><span class=\"S3D49 S27D S2\" id=\"tj_177\">Liabilities </span><span class=\"S3D4A S27D S2\" id=\"tk_177\">Assets </span><span class=\"S3D4B S27D S2\" id=\"tl_177\">Liabilities </span><span class=\"S3D4C S27D S2\" id=\"tm_177\">Derivative financial instruments designated </span><span class=\"S3D4D S27D S2\" id=\"tn_177\">as hedge accounting </span><span class=\"S3D4E S27D S2\" id=\"to_177\">Derivatives designated in cash flow hedges </span><span class=\"S3D4F S27E S2\" id=\"tp_177\">Interest rate swaps </span><span class=\"S3D50 S27E S2\" id=\"tq_177\">2,651 </span><span class=\"S3D51 S27E S2\" id=\"tr_177\">(2,651) </span><span class=\"S3D52 S27E S2\" id=\"ts_177\">2,651 </span><span class=\"S3D53 S27E S2\" id=\"tt_177\">- </span><span class=\"S3D54 S27E S2\" id=\"tu_177\">- </span><span class=\"S3D55 S27E S2\" id=\"tv_177\">1,020 </span><span class=\"S3D56 S27E S2\" id=\"tw_177\">(1,020) </span><span class=\"S3D57 S27E S2\" id=\"tx_177\">1,020 </span><span class=\"S3D58 S27E S2\" id=\"ty_177\">- </span><span class=\"S3D59 S27E S2\" id=\"tz_177\">- </span><span class=\"S3D5A S27D S2\" id=\"t10_177\">Total derivatives designated in cash flow hedges </span><span class=\"S3D5B S27D S2\" id=\"t11_177\">2,651 </span><span class=\"S3D5C S27D S2\" id=\"t12_177\">(2,651) </span><span class=\"S3D5D S27D S2\" id=\"t13_177\">2,651 </span><span class=\"S3D5E S27D S2\" id=\"t14_177\">- </span><span class=\"S3D5F S27D S2\" id=\"t15_177\">- </span><span class=\"S3D60 S27D S2\" id=\"t16_177\">1,020 </span><span class=\"S3D61 S27D S2\" id=\"t17_177\">(1,020) </span><span class=\"S3D62 S27D S2\" id=\"t18_177\">1,020 </span><span class=\"S3D63 S27D S2\" id=\"t19_177\">- </span><span class=\"S3D64 S27D S2\" id=\"t1a_177\">- </span><span class=\"S3D65 S27D S2\" id=\"t1b_177\">Derivatives designated in fair value hedges </span><span class=\"S3D66 S27E S2\" id=\"t1c_177\">Interest rate swaps </span><span class=\"S3D67 S27E S2\" id=\"t1d_177\">56,757 </span><span class=\"S3D68 S27E S2\" id=\"t1e_177\">(37,290) </span><span class=\"S3D69 S27E S2\" id=\"t1f_177\">30,938 </span><span class=\"S3D6A S27E S2\" id=\"t1g_177\">25,819 </span><span class=\"S3D6B S27E S2\" id=\"t1h_177\">(6,352) </span><span class=\"S3D6C S27E S2\" id=\"t1i_177\">25,417 </span><span class=\"S3D6D S27E S2\" id=\"t1j_177\">(17,908) </span><span class=\"S3D6E S27E S2\" id=\"t1k_177\">12,131 </span><span class=\"S3D6F S27E S2\" id=\"t1l_177\">13,286 </span><span class=\"S3D70 S27E S2\" id=\"t1m_177\">(5,777) </span><span class=\"S3D71 S27E S2\" id=\"t1n_177\">Cross currency interest rate swaps </span><span class=\"S3D72 S27E S2\" id=\"t1o_177\">20,732 </span><span class=\"S3D73 S27E S2\" id=\"t1p_177\">(5,398) </span><span class=\"S3D74 S27E S2\" id=\"t1q_177\">- </span><span class=\"S3D75 S27E S2\" id=\"t1r_177\">20,732 </span><span class=\"S3D76 S27E S2\" id=\"t1s_177\">(5,398) </span><span class=\"S3D77 S27E S2\" id=\"t1t_177\">5,471 </span><span class=\"S3D78 S27E S2\" id=\"t1u_177\">(5,451) </span><span class=\"S3D79 S27E S2\" id=\"t1v_177\">- </span><span class=\"S3D7A S27E S2\" id=\"t1w_177\">5,471 </span><span class=\"S3D7B S27E S2\" id=\"t1x_177\">(5,451) </span><span class=\"S3D7C S27E S2\" id=\"t1y_177\">Foreign exchange swaps </span><span class=\"S3D7D S27E S2\" id=\"t1z_177\">1,696 </span><span class=\"S3D7E S27E S2\" id=\"t20_177\">(16,199) </span><span class=\"S3D7F S27E S2\" id=\"t21_177\">- </span><span class=\"S3D80 S27E S2\" id=\"t22_177\">1,696 </span><span class=\"S3D81 S27E S2\" id=\"t23_177\">(16,199) </span><span class=\"S3D82 S27E S2\" id=\"t24_177\">- </span><span class=\"S3D83 S27E S2\" id=\"t25_177\">- </span><span class=\"S3D84 S27E S2\" id=\"t26_177\">- </span><span class=\"S3D85 S27E S2\" id=\"t27_177\">- </span><span class=\"S3D86 S27E S2\" id=\"t28_177\">- </span><span class=\"S3D87 S27D S2\" id=\"t29_177\">Total derivatives designated in fair value hedges </span><span class=\"S3D88 S27D S2\" id=\"t2a_177\">79,185 </span><span class=\"S3D89 S27D S2\" id=\"t2b_177\">(58,887) </span><span class=\"S3D8A S27D S2\" id=\"t2c_177\">30,938 </span><span class=\"S3D8B S27D S2\" id=\"t2d_177\">48,247 </span><span class=\"S3D8C S27D S2\" id=\"t2e_177\">(27,949) </span><span class=\"S3D8D S27D S2\" id=\"t2f_177\">30,888 </span><span class=\"S3D8E S27D S2\" id=\"t2g_177\">(23,359) </span><span class=\"S3D8F S27D S2\" id=\"t2h_177\">12,131 </span><span class=\"S3D90 S27D S2\" id=\"t2i_177\">18,757 </span><span class=\"S3D91 S27D S2\" id=\"t2j_177\">(11,228) </span><span class=\"S3D92 S27D S2\" id=\"t2k_177\">Total derivatives held for risk management </span><span class=\"S3D93 S27D S2\" id=\"t2l_177\">(OTC derivatives) </span><span class=\"S3D94 S27D S2\" id=\"t2m_177\">81,836 </span><span class=\"S3D95 S27D S2\" id=\"t2n_177\">(61,538) </span><span class=\"S3D96 S27D S2\" id=\"t2o_177\">33,589 </span><span class=\"S3D97 S27D S2\" id=\"t2p_177\">48,247 </span><span class=\"S3D98 S27D S2\" id=\"t2q_177\">(27,949) </span><span class=\"S3D99 S27D S2\" id=\"t2r_177\">31,908 </span><span class=\"S3D9A S27D S2\" id=\"t2s_177\">(24,379) </span><span class=\"S3D9B S27D S2\" id=\"t2t_177\">13,151 </span><span class=\"S3D9C S27D S2\" id=\"t2u_177\">18,757 </span><span class=\"S3D9D S27D S2\" id=\"t2v_177\">(11,228) </span><span class=\"S40A2 SB S2\" id=\"t5_188\">48.4.  Fair value levels </span><span class=\"S40A3 SA7 S2\" id=\"t6_188\">Methods and significant assumptions used to determine fair value of the different levels of financial instruments: </span><span class=\"S40A4 S40F7 S2\" id=\"t7_188\">- </span><span class=\"S40A5 SA7 S2\" id=\"t8_188\">Level 1: quoted prices (unadjusted) in active markets for identical assets or liabilities; </span><span class=\"S40A6 S40F7 S2\" id=\"t9_188\">- </span><span class=\"S40A7 SA7 S2\" id=\"ta_188\">Level 2: inputs other than quoted prices included within Level 1, that are observable for the asset or liability either directly or indirectly. Fair value measurements </span><span class=\"S40A8 S5B9 S2\" id=\"tb_188\">\u2013 </span><span class=\"S40A9 SA7 S2\" id=\"tc_188\">in </span><span class=\"S40AA SA7 S2\" id=\"td_188\">relation with instruments measured not at fair value </span><span class=\"S40AB S5B9 S2\" id=\"te_188\">\u2013 </span><span class=\"S40AC SA7 S2\" id=\"tf_188\">are categorized in level 2; </span><span class=\"S40AD S40F7 S2\" id=\"tg_188\">- </span><span class=\"S40AE SA7 S2\" id=\"th_188\">Level 3: inputs for the asset or liability that are not based on observable market data (unobservable inputs). </span><span class=\"S40AF SA7 S2\" id=\"ti_188\">The following table shows an analysis of financial instruments recorded at fair value by level of the fair value hierarchy: </span><span class=\"S40B0 S27D S2\" id=\"tj_188\">2022 </span><span class=\"S40B1 S27D S2\" id=\"tk_188\">Total </span><span class=\"S40B2 S27D S2\" id=\"tl_188\">Level 1 </span><span class=\"S40B3 S27D S2\" id=\"tm_188\">Level 2 </span><span class=\"S40B4 S27D S2\" id=\"tn_188\">Level 3 </span><span class=\"S40B5 S27D S2\" id=\"to_188\">Financial assets at fair value through profit or loss </span><span class=\"S40B6 S27D S2\" id=\"tp_188\">436,387 </span><span class=\"S40B7 S27D S2\" id=\"tq_188\">85,339 </span><span class=\"S40B8 S27D S2\" id=\"tr_188\">339,060 </span><span class=\"S40B9 S27D S2\" id=\"ts_188\">11,988 </span><span class=\"S40BA S3C28 S2\" id=\"tt_188\">Trading securities at fair value through profit or loss </span><span class=\"S40BB S3C28 S2\" id=\"tu_188\">104,750 </span><span class=\"S40BC S3C28 S2\" id=\"tv_188\">50,131 </span><span class=\"S40BD S3C28 S2\" id=\"tw_188\">54,619 </span><span class=\"S40BE S3C28 S2\" id=\"tx_188\">- </span><span class=\"S40BF S3C28 S2\" id=\"ty_188\">Positive fair value of derivative financial assets held for trading </span><span class=\"S40C0 S3C28 S2\" id=\"tz_188\">276,482 </span><span class=\"S40C1 S3C28 S2\" id=\"t10_188\">214 </span><span class=\"S40C2 S3C28 S2\" id=\"t11_188\">276,268 </span><span class=\"S40C3 S3C28 S2\" id=\"t12_188\">- </span><span class=\"S40C4 S3C28 S2\" id=\"t13_188\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S40C5 S40F8 S2\" id=\"t14_188\">1 </span><span class=\"S40C6 S3C28 S2\" id=\"t15_188\">55,155 </span><span class=\"S40C7 S3C28 S2\" id=\"t16_188\">34,994 </span><span class=\"S40C8 S3C28 S2\" id=\"t17_188\">8,173 </span><span class=\"S40C9 S3C28 S2\" id=\"t18_188\">11,988 </span><span class=\"S40CA S27E S2\" id=\"t19_188\">Securities at fair value through other comprehensive income </span><span class=\"S40CB S1F81 S2\" id=\"t1a_188\">2 </span><span class=\"S40CC S27E S2\" id=\"t1b_188\">1,739,603 </span><span class=\"S40CD S27E S2\" id=\"t1c_188\">562,081 </span><span class=\"S40CE S27E S2\" id=\"t1d_188\">1,103,082 </span><span class=\"S40CF S27E S2\" id=\"t1e_188\">74,440 </span><span class=\"S3974 S27E S2\" id=\"t1f_188\">Loans mandatorily measured at fair value through profit or loss </span><span class=\"S40D0 S27E S2\" id=\"t1g_188\">1,247,414 </span><span class=\"S40D1 S27E S2\" id=\"t1h_188\">- </span><span class=\"S40D2 S27E S2\" id=\"t1i_188\">- </span><span class=\"S40D3 S27E S2\" id=\"t1j_188\">1,247,414 </span><span class=\"S40D4 S27E S2\" id=\"t1k_188\">Positive fair value of derivative financial assets designated as fair value hedge </span><span class=\"S40D5 S27E S2\" id=\"t1l_188\">48,247 </span><span class=\"S40D6 S27E S2\" id=\"t1m_188\">- </span><span class=\"S40D7 S27E S2\" id=\"t1n_188\">48,247 </span><span class=\"S40D8 S27E S2\" id=\"t1o_188\">- </span><span class=\"S40D9 S27D S2\" id=\"t1p_188\">Financial assets measured at fair value total </span><span class=\"S40DA S27D S2\" id=\"t1q_188\">3,471,651 </span><span class=\"S40DB S27D S2\" id=\"t1r_188\">647,420 </span><span class=\"S40DC S27D S2\" id=\"t1s_188\">1,490,389 </span><span class=\"S40DD S27D S2\" id=\"t1t_188\">1,333,842 </span><span class=\"S40DE S27E S2\" id=\"t1u_188\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S40DF S27E S2\" id=\"t1v_188\">54,191 </span><span class=\"S40E0 S27E S2\" id=\"t1w_188\">- </span><span class=\"S40E1 S27E S2\" id=\"t1x_188\">- </span><span class=\"S40E2 S27E S2\" id=\"t1y_188\">54,191 </span><span class=\"S40E3 S27E S2\" id=\"t1z_188\">Negative fair value of held-for-trading derivative financial liabilities </span><span class=\"S40E4 S27E S2\" id=\"t20_188\">385,747 </span><span class=\"S40E5 S27E S2\" id=\"t21_188\">1,886 </span><span class=\"S40E6 S27E S2\" id=\"t22_188\">383,211 </span><span class=\"S40E7 S27E S2\" id=\"t23_188\">650 </span><span class=\"S40E8 S27E S2\" id=\"t24_188\">Negative fair value of derivative financial liabilities designated as fair value hedge </span><span class=\"S40E9 S27E S2\" id=\"t25_188\">27,949 </span><span class=\"S40EA S27E S2\" id=\"t26_188\">- </span><span class=\"S40EB S27E S2\" id=\"t27_188\">27,949 </span><span class=\"S40EC S27E S2\" id=\"t28_188\">- </span><span class=\"S40ED S27D S2\" id=\"t29_188\">Financial liabilities measured at fair value total </span><span class=\"S40EE S27D S2\" id=\"t2a_188\">467,887 </span><span class=\"S40EF S27D S2\" id=\"t2b_188\">1,886 </span><span class=\"S40F0 S27D S2\" id=\"t2c_188\">411,160 </span><span class=\"S40F1 S27D S2\" id=\"t2d_188\">54,841 </span><span class=\"S40F2 S482 S2\" id=\"t2e_188\">1 </span><span class=\"S40F3 S483 S2\" id=\"t2f_188\">The portfolio in level 3 includes Visa C shares. </span><span class=\"S40F4 S482 S2\" id=\"t2g_188\">2 </span><span class=\"S40F5 S483 S2\" id=\"t2h_188\">The portfolio in level 3 includes HUF 26,571 million Ukrainian and HUF 27,415 million Russian government bonds. </span><span class=\"S40F6 SA7 S2\" id=\"t2i_188\">The fair value of investment properties is presented in Note 14 and they are categorized in level 3. </span><span class=\"S3B80 SB S2\" id=\"t5_189\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_189\">Fair value levels [continued] </span><span class=\"S40FA S27D S2\" id=\"t7_189\">2021 </span><span class=\"S40FB S27D S2\" id=\"t8_189\">Total </span><span class=\"S40FC S27D S2\" id=\"t9_189\">Level 1 </span><span class=\"S40FD S27D S2\" id=\"ta_189\">Level 2 </span><span class=\"S40FE S27D S2\" id=\"tb_189\">Level 3 </span><span class=\"S40FF S27D S2\" id=\"tc_189\">Financial assets at fair value through profit or loss </span><span class=\"S4100 S27D S2\" id=\"td_189\">341,397 </span><span class=\"S4101 S27D S2\" id=\"te_189\">90,877 </span><span class=\"S4102 S27D S2\" id=\"tf_189\">227,153 </span><span class=\"S4103 S27D S2\" id=\"tg_189\">23,367 </span><span class=\"S4104 S3C28 S2\" id=\"th_189\">Trading securities at fair value through profit or loss </span><span class=\"S4105 S3C28 S2\" id=\"ti_189\">103,510 </span><span class=\"S4106 S3C28 S2\" id=\"tj_189\">58,727 </span><span class=\"S4107 S3C28 S2\" id=\"tk_189\">44,777 </span><span class=\"S4108 S3C28 S2\" id=\"tl_189\">6 </span><span class=\"S4109 S3C28 S2\" id=\"tm_189\">Positive fair value of derivative financial assets held for trading </span><span class=\"S410A S3C28 S2\" id=\"tn_189\">184,484 </span><span class=\"S410B S3C28 S2\" id=\"to_189\">171 </span><span class=\"S410C S3C28 S2\" id=\"tp_189\">174,143 </span><span class=\"S410D S3C28 S2\" id=\"tq_189\">10,170 </span><span class=\"S410E S3C28 S2\" id=\"tr_189\">Non-trading instruments mandatorily at fair value through profit or loss </span><span class=\"S410F S40F8 S2\" id=\"ts_189\">1 </span><span class=\"S4110 S3C28 S2\" id=\"tt_189\">53,403 </span><span class=\"S4111 S3C28 S2\" id=\"tu_189\">31,979 </span><span class=\"S4112 S3C28 S2\" id=\"tv_189\">8,233 </span><span class=\"S4113 S3C28 S2\" id=\"tw_189\">13,191 </span><span class=\"S4114 S27E S2\" id=\"tx_189\">Securities at fair value through other comprehensive income </span><span class=\"S4115 S1F81 S2\" id=\"ty_189\">2 </span><span class=\"S4116 S27E S2\" id=\"tz_189\">2,224,510 </span><span class=\"S4117 S27E S2\" id=\"t10_189\">910,324 </span><span class=\"S4118 S27E S2\" id=\"t11_189\">1,250,833 </span><span class=\"S4119 S27E S2\" id=\"t12_189\">63,353 </span><span class=\"S411A S27E S2\" id=\"t13_189\">Loans mandatorily measured at fair value through profit or loss </span><span class=\"S411B S27E S2\" id=\"t14_189\">1,068,111 </span><span class=\"S411C S27E S2\" id=\"t15_189\">281 </span><span class=\"S411D S27E S2\" id=\"t16_189\">- </span><span class=\"S411E S27E S2\" id=\"t17_189\">1,067,830 </span><span class=\"S411F S27E S2\" id=\"t18_189\">Positive fair value of derivative financial assets designated as fair value hedge </span><span class=\"S4120 S27E S2\" id=\"t19_189\">18,757 </span><span class=\"S4121 S27E S2\" id=\"t1a_189\">- </span><span class=\"S4122 S27E S2\" id=\"t1b_189\">18,757 </span><span class=\"S4123 S27E S2\" id=\"t1c_189\">- </span><span class=\"S4124 S27D S2\" id=\"t1d_189\">Financial assets measured at fair value total </span><span class=\"S4125 S27D S2\" id=\"t1e_189\">3,652,775 </span><span class=\"S4126 S27D S2\" id=\"t1f_189\">1,001,482 </span><span class=\"S4127 S27D S2\" id=\"t1g_189\">1,496,743 </span><span class=\"S4128 S27D S2\" id=\"t1h_189\">1,154,550 </span><span class=\"S4129 S27E S2\" id=\"t1i_189\">Financial liabilities designated at fair value through profit or loss </span><span class=\"S412A S27E S2\" id=\"t1j_189\">41,184 </span><span class=\"S412B S27E S2\" id=\"t1k_189\">- </span><span class=\"S412C S27E S2\" id=\"t1l_189\">- </span><span class=\"S412D S27E S2\" id=\"t1m_189\">41,184 </span><span class=\"S412E S27E S2\" id=\"t1n_189\">Negative fair value of held-for-trading derivative financial liabilities </span><span class=\"S412F S27E S2\" id=\"t1o_189\">202,716 </span><span class=\"S4130 S27E S2\" id=\"t1p_189\">278 </span><span class=\"S4131 S27E S2\" id=\"t1q_189\">202,438 </span><span class=\"S4132 S27E S2\" id=\"t1r_189\">- </span><span class=\"S4133 S27E S2\" id=\"t1s_189\">Negative fair value of derivative financial liabilities designated as fair value hedge </span><span class=\"S4134 S27E S2\" id=\"t1t_189\">11,228 </span><span class=\"S4135 S27E S2\" id=\"t1u_189\">- </span><span class=\"S4136 S27E S2\" id=\"t1v_189\">11,228 </span><span class=\"S4137 S27E S2\" id=\"t1w_189\">- </span><span class=\"S4138 S27D S2\" id=\"t1x_189\">Financial liabilities measured at fair value total </span><span class=\"S4139 S27D S2\" id=\"t1y_189\">255,128 </span><span class=\"S413A S27D S2\" id=\"t1z_189\">278 </span><span class=\"S413B S27D S2\" id=\"t20_189\">213,666 </span><span class=\"S413C S27D S2\" id=\"t21_189\">41,184 </span><span class=\"S413D S482 S2\" id=\"t22_189\">1 </span><span class=\"S413E S483 S2\" id=\"t23_189\">The portfolio in level 3 includes mainly Visa C shares. </span><span class=\"S413F S482 S2\" id=\"t24_189\">2 </span><span class=\"S4140 S483 S2\" id=\"t25_189\">The portfolio in level 3 includes HUF 55,476 million Ukrainian government bonds. </span><span class=\"S4141 SA7 S2\" id=\"t26_189\">The fair value of investment properties is presented in Note 14 and they are categorized in level 3. </span><span class=\"S3B80 SB S2\" id=\"t5_190\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_190\">Fair value levels [continued] </span><span class=\"S3917 SB S2\" id=\"t7_190\">Movements in Level 3 financial instruments measured at fair value </span><span class=\"S1E9B SA7 S2\" id=\"t8_190\">The following table shows a reconciliation of the opening and closing amount of Level 3 financial assets and liabilities which are recorded at fair value: </span><span class=\"S1FD5 SC43 S2\" id=\"t9_190\">2022 </span><span class=\"S4142 SC43 S2\" id=\"ta_190\">Opening </span><span class=\"S4143 SC43 S2\" id=\"tb_190\">balance </span><span class=\"S4144 SC43 S2\" id=\"tc_190\">Purchase </span><span class=\"S4145 SC43 S2\" id=\"td_190\">(+) </span><span class=\"S4146 SC43 S2\" id=\"te_190\">Issuance </span><span class=\"S4147 SC43 S2\" id=\"tf_190\">/Disbursement </span><span class=\"S4148 SC43 S2\" id=\"tg_190\">(+) </span><span class=\"S4149 SC43 S2\" id=\"th_190\">Settlement / </span><span class=\"S414A SC43 S2\" id=\"ti_190\">Close (-) </span><span class=\"S414B SC43 S2\" id=\"tj_190\">Sale (-) </span><span class=\"S414C SC43 S2\" id=\"tk_190\">FVA (+/-) </span><span class=\"S414D SC43 S2\" id=\"tl_190\">Transfer (+/-) </span><span class=\"S414E SC43 S2\" id=\"tm_190\">Fx effect / </span><span class=\"S414F SC43 S2\" id=\"tn_190\">Revaluation </span><span class=\"S4150 SC43 S2\" id=\"to_190\">Other </span><span class=\"S4151 SC43 S2\" id=\"tp_190\">Closing </span><span class=\"S4152 SC43 S2\" id=\"tq_190\">balance </span><span class=\"S4153 S483 S2\" id=\"tr_190\">Trading securities at fair value </span><span class=\"S4154 S483 S2\" id=\"ts_190\">through profit or loss </span><span class=\"S4155 S483 S2\" id=\"tt_190\">6 </span><span class=\"S4156 S483 S2\" id=\"tu_190\">- </span><span class=\"S4157 S483 S2\" id=\"tv_190\">- </span><span class=\"S4158 S483 S2\" id=\"tw_190\">- </span><span class=\"S4159 S483 S2\" id=\"tx_190\">- </span><span class=\"S415A S483 S2\" id=\"ty_190\">- </span><span class=\"S415B S483 S2\" id=\"tz_190\">- </span><span class=\"S415C S483 S2\" id=\"t10_190\">- </span><span class=\"S415D S483 S2\" id=\"t11_190\">(6) </span><span class=\"S415E SC43 S2\" id=\"t12_190\">- </span><span class=\"S415F S483 S2\" id=\"t13_190\">Positive fair value of derivative </span><span class=\"S4160 S483 S2\" id=\"t14_190\">financial assets held for trading </span><span class=\"S4161 S483 S2\" id=\"t15_190\">10,170 </span><span class=\"S4162 S483 S2\" id=\"t16_190\">- </span><span class=\"S4163 S483 S2\" id=\"t17_190\">- </span><span class=\"S4164 S483 S2\" id=\"t18_190\">- </span><span class=\"S4165 S483 S2\" id=\"t19_190\">- </span><span class=\"S4166 S483 S2\" id=\"t1a_190\">(10,170) </span><span class=\"S4167 S483 S2\" id=\"t1b_190\">- </span><span class=\"S4168 S483 S2\" id=\"t1c_190\">- </span><span class=\"S4169 S483 S2\" id=\"t1d_190\">- </span><span class=\"S416A SC43 S2\" id=\"t1e_190\">- </span><span class=\"S416B S483 S2\" id=\"t1f_190\">Non-trading securities mandatorily </span><span class=\"S416C S483 S2\" id=\"t1g_190\">at fair value through profit or loss </span><span class=\"S416D S483 S2\" id=\"t1h_190\">13,191 </span><span class=\"S416E S483 S2\" id=\"t1i_190\">- </span><span class=\"S416F S483 S2\" id=\"t1j_190\">1,171 </span><span class=\"S4170 S483 S2\" id=\"t1k_190\">- </span><span class=\"S4171 S483 S2\" id=\"t1l_190\">- </span><span class=\"S4172 S483 S2\" id=\"t1m_190\">(1,745) </span><span class=\"S4173 S483 S2\" id=\"t1n_190\">- </span><span class=\"S4174 S483 S2\" id=\"t1o_190\">482 </span><span class=\"S4175 S483 S2\" id=\"t1p_190\">(1,111) </span><span class=\"S4176 SC43 S2\" id=\"t1q_190\">11,988 </span><span class=\"S4177 S483 S2\" id=\"t1r_190\">Securities at fair value through </span><span class=\"S4178 S483 S2\" id=\"t1s_190\">other comprehensive income </span><span class=\"S4179 S483 S2\" id=\"t1t_190\">63,353 </span><span class=\"S417A S483 S2\" id=\"t1u_190\">981 </span><span class=\"S417B S483 S2\" id=\"t1v_190\">- </span><span class=\"S417C S483 S2\" id=\"t1w_190\">- </span><span class=\"S417D S483 S2\" id=\"t1x_190\">(33,288) </span><span class=\"S417E S483 S2\" id=\"t1y_190\">15,310 </span><span class=\"S417F S483 S2\" id=\"t1z_190\">19,678 </span><span class=\"S4180 S483 S2\" id=\"t20_190\">(1,051) </span><span class=\"S4181 S483 S2\" id=\"t21_190\">9,457 </span><span class=\"S4182 SC43 S2\" id=\"t22_190\">74,440 </span><span class=\"S4183 S483 S2\" id=\"t23_190\">Loans mandatorily measured at </span><span class=\"S4184 S483 S2\" id=\"t24_190\">fair value through profit or loss </span><span class=\"S4185 S482 S2\" id=\"t25_190\">1 </span><span class=\"S4186 S483 S2\" id=\"t26_190\">1,067,830 </span><span class=\"S4187 S483 S2\" id=\"t27_190\">- </span><span class=\"S4188 S483 S2\" id=\"t28_190\">258,658 </span><span class=\"S4189 S483 S2\" id=\"t29_190\">(81,764) </span><span class=\"S418A S483 S2\" id=\"t2a_190\">(1,490) </span><span class=\"S418B S483 S2\" id=\"t2b_190\">3,885 </span><span class=\"S418C S483 S2\" id=\"t2c_190\">- </span><span class=\"S418D S483 S2\" id=\"t2d_190\">(11) </span><span class=\"S418E S483 S2\" id=\"t2e_190\">306 </span><span class=\"S418F SC43 S2\" id=\"t2f_190\">1,247,414 </span><span class=\"S4190 SC43 S2\" id=\"t2g_190\">Financial assets measured </span><span class=\"S4191 SC43 S2\" id=\"t2h_190\">at fair value total </span><span class=\"S4192 SC43 S2\" id=\"t2i_190\">1,154,550 </span><span class=\"S4193 SC43 S2\" id=\"t2j_190\">981 </span><span class=\"S4194 SC43 S2\" id=\"t2k_190\">259,829 </span><span class=\"S4195 SC43 S2\" id=\"t2l_190\">(81,764) </span><span class=\"S4196 SC43 S2\" id=\"t2m_190\">(34,778) </span><span class=\"S4197 SC43 S2\" id=\"t2n_190\">7,280 </span><span class=\"S4198 SC43 S2\" id=\"t2o_190\">19,678 </span><span class=\"S4199 SC43 S2\" id=\"t2p_190\">(580) </span><span class=\"S419A SC43 S2\" id=\"t2q_190\">8,646 </span><span class=\"S419B SC43 S2\" id=\"t2r_190\">1,333,842 </span><span class=\"S419C S483 S2\" id=\"t2s_190\">Financial liabilities </span><span class=\"S419D S483 S2\" id=\"t2t_190\">designated at fair value </span><span class=\"S419E S483 S2\" id=\"t2u_190\">through profit or loss </span><span class=\"S419F S483 S2\" id=\"t2v_190\">41,184 </span><span class=\"S41A0 S483 S2\" id=\"t2w_190\">- </span><span class=\"S41A1 S483 S2\" id=\"t2x_190\">- </span><span class=\"S41A2 S483 S2\" id=\"t2y_190\">(1,624) </span><span class=\"S41A3 S483 S2\" id=\"t2z_190\">- </span><span class=\"S41A4 S483 S2\" id=\"t30_190\">(1,934) </span><span class=\"S41A5 S483 S2\" id=\"t31_190\">- </span><span class=\"S41A6 S483 S2\" id=\"t32_190\">- </span><span class=\"S41A7 S483 S2\" id=\"t33_190\">16,565 </span><span class=\"S41A8 SC43 S2\" id=\"t34_190\">54,191 </span><span class=\"S41A9 S483 S2\" id=\"t35_190\">Negative fair value of held-for-trading </span><span class=\"S41AA S483 S2\" id=\"t36_190\">derivative financial liabilities </span><span class=\"S41AB S483 S2\" id=\"t37_190\">- </span><span class=\"S41AC S483 S2\" id=\"t38_190\">- </span><span class=\"S41AD S483 S2\" id=\"t39_190\">- </span><span class=\"S41AE S483 S2\" id=\"t3a_190\">- </span><span class=\"S41AF S483 S2\" id=\"t3b_190\">- </span><span class=\"S41B0 S483 S2\" id=\"t3c_190\">650 </span><span class=\"S41B1 S483 S2\" id=\"t3d_190\">- </span><span class=\"S41B2 S483 S2\" id=\"t3e_190\">- </span><span class=\"S41B3 S483 S2\" id=\"t3f_190\">- </span><span class=\"S41B4 SC43 S2\" id=\"t3g_190\">650 </span><span class=\"S41B5 SC43 S2\" id=\"t3h_190\">Financial liabilities designated </span><span class=\"S41B6 SC43 S2\" id=\"t3i_190\">at fair value total </span><span class=\"S41B7 SC43 S2\" id=\"t3j_190\">41,184 </span><span class=\"S41B8 SC43 S2\" id=\"t3k_190\">- </span><span class=\"S41B9 SC43 S2\" id=\"t3l_190\">- </span><span class=\"S41BA SC43 S2\" id=\"t3m_190\">(1,624) </span><span class=\"S41BB SC43 S2\" id=\"t3n_190\">- </span><span class=\"S41BC SC43 S2\" id=\"t3o_190\">(1,284) </span><span class=\"S41BD SC43 S2\" id=\"t3p_190\">- </span><span class=\"S41BE SC43 S2\" id=\"t3q_190\">- </span><span class=\"S41BF SC43 S2\" id=\"t3r_190\">16,565 </span><span class=\"S41C0 SC43 S2\" id=\"t3s_190\">54,841 </span><span class=\"S41C1 S482 S2\" id=\"t3t_190\">1 </span><span class=\"S41C2 S483 S2\" id=\"t3u_190\">HUF 13,346 million fair value adjustment resulting from risk factors and HUF (9,991) million adjustment resulting from market factors.are included into FVA change for the current year at loans mandatorily measured </span><span class=\"S41C3 S483 S2\" id=\"t3v_190\">at fair value through profit or loss. </span><span class=\"S3B80 SB S2\" id=\"t5_191\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_191\">Fair value levels [continued] </span><span class=\"S3F13 SB S2\" id=\"t7_191\">Movements in Level 3 financial instruments measured at fair value [continued] </span><span class=\"S41C4 SA7 S2\" id=\"t8_191\">The following table shows a reconciliation of the opening and closing amount of Level 3 financial assets and liabilities which are recorded at fair value: </span><span class=\"S1FD5 SC43 S2\" id=\"t9_191\">2021 </span><span class=\"S4142 SC43 S2\" id=\"ta_191\">Opening </span><span class=\"S4143 SC43 S2\" id=\"tb_191\">balance </span><span class=\"S4144 SC43 S2\" id=\"tc_191\">Purchase </span><span class=\"S4145 SC43 S2\" id=\"td_191\">(+) </span><span class=\"S4146 SC43 S2\" id=\"te_191\">Issuance </span><span class=\"S4147 SC43 S2\" id=\"tf_191\">/Disbursement </span><span class=\"S4148 SC43 S2\" id=\"tg_191\">(+) </span><span class=\"S4149 SC43 S2\" id=\"th_191\">Settlement / </span><span class=\"S414A SC43 S2\" id=\"ti_191\">Close (-) </span><span class=\"S414B SC43 S2\" id=\"tj_191\">Sale (-) </span><span class=\"S414C SC43 S2\" id=\"tk_191\">FVA (+/-) </span><span class=\"S414D SC43 S2\" id=\"tl_191\">Transfer (+/-) </span><span class=\"S414E SC43 S2\" id=\"tm_191\">Fx effect / </span><span class=\"S414F SC43 S2\" id=\"tn_191\">Revaluation </span><span class=\"S4150 SC43 S2\" id=\"to_191\">Other </span><span class=\"S4151 SC43 S2\" id=\"tp_191\">Closing </span><span class=\"S4152 SC43 S2\" id=\"tq_191\">balance </span><span class=\"S41C5 S483 S2\" id=\"tr_191\">Trading securities at fair value </span><span class=\"S4154 S483 S2\" id=\"ts_191\">through profit or loss </span><span class=\"S41C6 S483 S2\" id=\"tt_191\">12 </span><span class=\"S4156 S483 S2\" id=\"tu_191\">- </span><span class=\"S4157 S483 S2\" id=\"tv_191\">- </span><span class=\"S4158 S483 S2\" id=\"tw_191\">- </span><span class=\"S41C7 S483 S2\" id=\"tx_191\">- </span><span class=\"S415A S483 S2\" id=\"ty_191\">- </span><span class=\"S415B S483 S2\" id=\"tz_191\">- </span><span class=\"S415C S483 S2\" id=\"t10_191\">- </span><span class=\"S415D S483 S2\" id=\"t11_191\">(6) </span><span class=\"S41C8 SC43 S2\" id=\"t12_191\">6 </span><span class=\"S415F S483 S2\" id=\"t13_191\">Positive fair value of derivative </span><span class=\"S4160 S483 S2\" id=\"t14_191\">financial assets held for trading </span><span class=\"S41C9 S483 S2\" id=\"t15_191\">6,586 </span><span class=\"S4162 S483 S2\" id=\"t16_191\">- </span><span class=\"S4163 S483 S2\" id=\"t17_191\">- </span><span class=\"S4164 S483 S2\" id=\"t18_191\">- </span><span class=\"S216A S483 S2\" id=\"t19_191\">- </span><span class=\"S41CA S483 S2\" id=\"t1a_191\">3,584 </span><span class=\"S4167 S483 S2\" id=\"t1b_191\">- </span><span class=\"S4168 S483 S2\" id=\"t1c_191\">- </span><span class=\"S4169 S483 S2\" id=\"t1d_191\">- </span><span class=\"S41CB SC43 S2\" id=\"t1e_191\">10,170 </span><span class=\"S416B S483 S2\" id=\"t1f_191\">Non-trading securities mandatorily </span><span class=\"S416C S483 S2\" id=\"t1g_191\">at fair value through profit or loss </span><span class=\"S41CC S483 S2\" id=\"t1h_191\">15,433 </span><span class=\"S416E S483 S2\" id=\"t1i_191\">- </span><span class=\"S41CD S483 S2\" id=\"t1j_191\">390 </span><span class=\"S4170 S483 S2\" id=\"t1k_191\">- </span><span class=\"S41CE S483 S2\" id=\"t1l_191\">(4,501) </span><span class=\"S41CF S483 S2\" id=\"t1m_191\">640 </span><span class=\"S41D0 S483 S2\" id=\"t1n_191\">(57) </span><span class=\"S4174 S483 S2\" id=\"t1o_191\">256 </span><span class=\"S41D1 S483 S2\" id=\"t1p_191\">1,030 </span><span class=\"S4176 SC43 S2\" id=\"t1q_191\">13,191 </span><span class=\"S4177 S483 S2\" id=\"t1r_191\">Securities at fair value through </span><span class=\"S4178 S483 S2\" id=\"t1s_191\">other comprehensive income </span><span class=\"S41D2 S483 S2\" id=\"t1t_191\">56,906 </span><span class=\"S41D3 S483 S2\" id=\"t1u_191\">81,795 </span><span class=\"S417B S483 S2\" id=\"t1v_191\">- </span><span class=\"S41D4 S483 S2\" id=\"t1w_191\">(5,544) </span><span class=\"S41D5 S483 S2\" id=\"t1x_191\">(2,018) </span><span class=\"S41D6 S483 S2\" id=\"t1y_191\">(91) </span><span class=\"S41D7 S483 S2\" id=\"t1z_191\">(69,636) </span><span class=\"S20DF S483 S2\" id=\"t20_191\">1,813 </span><span class=\"S41D8 S483 S2\" id=\"t21_191\">128 </span><span class=\"S4182 SC43 S2\" id=\"t22_191\">63,353 </span><span class=\"S4183 S483 S2\" id=\"t23_191\">Loans mandatorily measured at </span><span class=\"S4184 S483 S2\" id=\"t24_191\">fair value through profit or loss </span><span class=\"S4185 S482 S2\" id=\"t25_191\">1 </span><span class=\"S41D9 S483 S2\" id=\"t26_191\">798,981 </span><span class=\"S4187 S483 S2\" id=\"t27_191\">- </span><span class=\"S4188 S483 S2\" id=\"t28_191\">333,931 </span><span class=\"S4189 S483 S2\" id=\"t29_191\">(41,038) </span><span class=\"S41DA S483 S2\" id=\"t2a_191\">- </span><span class=\"S41DB S483 S2\" id=\"t2b_191\">(24,044) </span><span class=\"S418C S483 S2\" id=\"t2c_191\">- </span><span class=\"S41DC S483 S2\" id=\"t2d_191\">- </span><span class=\"S41DD S483 S2\" id=\"t2e_191\">- </span><span class=\"S418F SC43 S2\" id=\"t2f_191\">1,067,830 </span><span class=\"S4190 SC43 S2\" id=\"t2g_191\">Financial assets measured </span><span class=\"S4191 SC43 S2\" id=\"t2h_191\">at fair value total </span><span class=\"S41DE SC43 S2\" id=\"t2i_191\">877,918 </span><span class=\"S41DF SC43 S2\" id=\"t2j_191\">81,795 </span><span class=\"S4194 SC43 S2\" id=\"t2k_191\">334,321 </span><span class=\"S4195 SC43 S2\" id=\"t2l_191\">(46,582) </span><span class=\"S41E0 SC43 S2\" id=\"t2m_191\">(6,519) </span><span class=\"S41E1 SC43 S2\" id=\"t2n_191\">(19,911) </span><span class=\"S41E2 SC43 S2\" id=\"t2o_191\">(69,693) </span><span class=\"S41E3 SC43 S2\" id=\"t2p_191\">2,069 </span><span class=\"S419A SC43 S2\" id=\"t2q_191\">1,152 </span><span class=\"S419B SC43 S2\" id=\"t2r_191\">1,154,550 </span><span class=\"S419C S483 S2\" id=\"t2s_191\">Financial liabilities </span><span class=\"S419D S483 S2\" id=\"t2t_191\">designated at fair value </span><span class=\"S419E S483 S2\" id=\"t2u_191\">through profit or loss </span><span class=\"S41E4 S483 S2\" id=\"t2v_191\">31,896 </span><span class=\"S41A0 S483 S2\" id=\"t2w_191\">- </span><span class=\"S41A1 S483 S2\" id=\"t2x_191\">- </span><span class=\"S41A2 S483 S2\" id=\"t2y_191\">(9,685) </span><span class=\"S41E5 S483 S2\" id=\"t2z_191\">- </span><span class=\"S41E6 S483 S2\" id=\"t30_191\">3,916 </span><span class=\"S41A5 S483 S2\" id=\"t31_191\">- </span><span class=\"S41A6 S483 S2\" id=\"t32_191\">- </span><span class=\"S41A7 S483 S2\" id=\"t33_191\">15,057 </span><span class=\"S41A8 SC43 S2\" id=\"t34_191\">41,184 </span><span class=\"S41E7 SC43 S2\" id=\"t35_191\">Financial liabilities designated </span><span class=\"S41E8 SC43 S2\" id=\"t36_191\">fair value total </span><span class=\"S41E9 SC43 S2\" id=\"t37_191\">31,896 </span><span class=\"S41AC SC43 S2\" id=\"t38_191\">- </span><span class=\"S41AD SC43 S2\" id=\"t39_191\">- </span><span class=\"S41EA SC43 S2\" id=\"t3a_191\">(9,685) </span><span class=\"S41EB SC43 S2\" id=\"t3b_191\">- </span><span class=\"S41EC SC43 S2\" id=\"t3c_191\">3,916 </span><span class=\"S41B1 SC43 S2\" id=\"t3d_191\">- </span><span class=\"S41B2 SC43 S2\" id=\"t3e_191\">- </span><span class=\"S41ED SC43 S2\" id=\"t3f_191\">15,057 </span><span class=\"S41EE SC43 S2\" id=\"t3g_191\">41,184 </span><span class=\"S41EF S482 S2\" id=\"t3h_191\">1 </span><span class=\"S41F0 S483 S2\" id=\"t3i_191\">FVA change for the previous period at loans mandatorily measured at fair value through profit or loss consists of HUF 16,289 million adjustment resulting from risk factors and HUF 7,755 million adjustment resulting </span><span class=\"S41F1 S483 S2\" id=\"t3j_191\">from market factors. </span><span class=\"S3B80 SB S2\" id=\"t5_192\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_192\">Fair value levels [continued] </span><span class=\"S1FD1 SB S2\" id=\"t7_192\">Valuation techniques on Level 2 instruments </span><span class=\"S41F2 SA7 S2\" id=\"t8_192\">The fair value of Level 2 instruments is calculated by discounting their expected interest and capital cash flows. Discounting is done with the respective swap curve of each </span><span class=\"S41F3 SA7 S2\" id=\"t9_192\">currency. </span><span class=\"S41F4 SB S2\" id=\"ta_192\">Valuation techniques and sensitivity analysis on Level 3 instruments </span><span class=\"S41F5 SA7 S2\" id=\"tb_192\">Sensitivity analysis is performed on products with significant unobservable inputs (Level 3) to generate a range of reasonably possible alternative valuations. The sensitivity </span><span class=\"S41F6 SA7 S2\" id=\"tc_192\">methodologies applied take account of the nature of the valuation techniques used, as well as the availability and reliability of observable proxy and historical date and the </span><span class=\"S41F7 SA7 S2\" id=\"td_192\">impact of using alternative models. </span><span class=\"S41F8 SA7 S2\" id=\"te_192\">The calculation is based on a range or spread data of reliable reference source or a scenario based on relevant market analysis alongside the impact of using alternative models. </span><span class=\"S41F9 SA7 S2\" id=\"tf_192\">Sensitivities are calculated without reflecting the impact of any diversification in the portfolio. </span><span class=\"S41FA SB S2\" id=\"tg_192\">Unobservable inputs used in measuring fair value </span><span class=\"S41FB SA7 S2\" id=\"th_192\">Type of financial instrument </span><span class=\"S41FC SA7 S2\" id=\"ti_192\">Valuation technique </span><span class=\"S41FD SA7 S2\" id=\"tj_192\">Significant unobservable input </span><span class=\"S41FE SA7 S2\" id=\"tk_192\">Range of estimates for </span><span class=\"S41FF SA7 S2\" id=\"tl_192\">unobservable input </span><span class=\"S4200 SA7 S2\" id=\"tm_192\">VISA C shares </span><span class=\"S4201 SA7 S2\" id=\"tn_192\">Market approach combined with expert </span><span class=\"S4202 SA7 S2\" id=\"to_192\">judgement. </span><span class=\"S4203 SA7 S2\" id=\"tp_192\">Illiquidity </span><span class=\"S4204 SA7 S2\" id=\"tq_192\">+12% / (12%) </span><span class=\"S4205 SA7 S2\" id=\"tr_192\">MFB refinancing loans </span><span class=\"S4206 SA7 S2\" id=\"ts_192\">Discounted cash flow model </span><span class=\"S4207 SA7 S2\" id=\"tt_192\">Probability of default </span><span class=\"S4208 SA7 S2\" id=\"tu_192\">+/ (20)% </span><span class=\"S4209 SA7 S2\" id=\"tv_192\">Subsidized personal loans </span><span class=\"S420A SA7 S2\" id=\"tw_192\">Discounted cash flow model </span><span class=\"S420B SA7 S2\" id=\"tx_192\">Probability of default </span><span class=\"S420C SA7 S2\" id=\"ty_192\">+/ (20)% </span><span class=\"S420D SA7 S2\" id=\"tz_192\">Subsidized personal loans </span><span class=\"S420E SA7 S2\" id=\"t10_192\">Discounted cash flow model </span><span class=\"S420F SA7 S2\" id=\"t11_192\">Operational costs </span><span class=\"S4210 SA7 S2\" id=\"t12_192\">+/ (20)% </span><span class=\"S4211 SA7 S2\" id=\"t13_192\">Subsidized personal loans </span><span class=\"S4212 SA7 S2\" id=\"t14_192\">Discounted cash flow model </span><span class=\"S4213 SA7 S2\" id=\"t15_192\">Demography </span><span class=\"S4214 SA7 S2\" id=\"t16_192\">Change in the cash flow estimation </span><span class=\"S4215 SA7 S2\" id=\"t17_192\">+/(5)% </span><span class=\"S4216 SA7 S2\" id=\"t18_192\">Ministry of Finance of Russia </span><span class=\"S4217 SA7 S2\" id=\"t19_192\">Discounted cash flow model </span><span class=\"S4218 SA7 S2\" id=\"t1a_192\">Credit risk </span><span class=\"S4219 SA7 S2\" id=\"t1b_192\">+/ (15)% </span><span class=\"S3903 SA7 S2\" id=\"t1c_192\">Ministry of Finance of Ukraine </span><span class=\"S421A SA7 S2\" id=\"t1d_192\">Discounted cash flow model </span><span class=\"S421B SA7 S2\" id=\"t1e_192\">Credit risk </span><span class=\"S421C SA7 S2\" id=\"t1f_192\">+/ (1)% </span><span class=\"S3B80 SB S2\" id=\"t5_193\">48.4. </span><span class=\"S40F9 SB S2\" id=\"t6_193\">Fair value levels [continued] </span><span class=\"S421E SB S2\" id=\"t7_193\">The effect of unobservable inputs on fair value measurement </span><span class=\"S421F SA7 S2\" id=\"t8_193\">Although the Group believes that its estimates of fair value are appropriate, the use of different methodologies or assumptions could lead to different measurements of fair value. </span><span class=\"S4220 SA7 S2\" id=\"t9_193\">For fair value measurements in Level 3 changing the assumptions used to reasonably possible alternative assumptions would have the following effects. </span><span class=\"S4221 S27D S2\" id=\"ta_193\">2022 </span><span class=\"S4222 S27D S2\" id=\"tb_193\">Presentation in the Statement of Financial Position </span><span class=\"S4223 S27D S2\" id=\"tc_193\">Unobservable inputs </span><span class=\"S4224 S27D S2\" id=\"td_193\">Book value </span><span class=\"S4225 S27D S2\" id=\"te_193\">Fair values </span><span class=\"S4226 S27D S2\" id=\"tf_193\">Effect on profit and loss </span><span class=\"S4227 S27D S2\" id=\"tg_193\">Favourable </span><span class=\"S4228 S27D S2\" id=\"th_193\">Unfavourable </span><span class=\"S4229 S27D S2\" id=\"ti_193\">Favourable </span><span class=\"S422A S27D S2\" id=\"tj_193\">Unfavourable </span><span class=\"S422B S27E S2\" id=\"tk_193\">VISA C shares </span><span class=\"S422C S27E S2\" id=\"tl_193\">Non-trading instruments mandatorily at fair value </span><span class=\"S422D S27E S2\" id=\"tm_193\">through profit or loss </span><span class=\"S422E S27E S2\" id=\"tn_193\">Illiquidity </span><span class=\"S422F S27E S2\" id=\"to_193\">2,951 </span><span class=\"S4230 S27E S2\" id=\"tp_193\">3,430 </span><span class=\"S4231 S27E S2\" id=\"tq_193\">2,472 </span><span class=\"S4232 S27E S2\" id=\"tr_193\">479 </span><span class=\"S4233 S27E S2\" id=\"ts_193\">(479) </span><span class=\"S4234 S27E S2\" id=\"tt_193\">MFB refinancing loans </span><span class=\"S4235 S27E S2\" id=\"tu_193\">Financial liabilities designated at fair value through </span><span class=\"S4236 S27E S2\" id=\"tv_193\">profit or loss </span><span class=\"S4237 S27E S2\" id=\"tw_193\">Probability of default </span><span class=\"S4238 S27E S2\" id=\"tx_193\">15,483 </span><span class=\"S4239 S27E S2\" id=\"ty_193\">15,602 </span><span class=\"S423A S27E S2\" id=\"tz_193\">15,364 </span><span class=\"S423B S27E S2\" id=\"t10_193\">119 </span><span class=\"S423C S27E S2\" id=\"t11_193\">(119) </span><span class=\"S423D S27E S2\" id=\"t12_193\">Subsidised personal loans </span><span class=\"S423E S27E S2\" id=\"t13_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S423F S27E S2\" id=\"t14_193\">Probability of default </span><span class=\"S4240 S27E S2\" id=\"t15_193\">772,094 </span><span class=\"S4241 S27E S2\" id=\"t16_193\">773,281 </span><span class=\"S4242 S27E S2\" id=\"t17_193\">770,911 </span><span class=\"S4243 S27E S2\" id=\"t18_193\">1,187 </span><span class=\"S4244 S27E S2\" id=\"t19_193\">(1,183) </span><span class=\"S4245 S27E S2\" id=\"t1a_193\">Subsidised personal loans </span><span class=\"S4246 S27E S2\" id=\"t1b_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S4247 S27E S2\" id=\"t1c_193\">Operational costs </span><span class=\"S4248 S27E S2\" id=\"t1d_193\">772,094 </span><span class=\"S4249 S27E S2\" id=\"t1e_193\">777,898 </span><span class=\"S424A S27E S2\" id=\"t1f_193\">769,012 </span><span class=\"S424B S27E S2\" id=\"t1g_193\">5,804 </span><span class=\"S424C S27E S2\" id=\"t1h_193\">(3,082) </span><span class=\"S424D S27E S2\" id=\"t1i_193\">Subsidised personal loans </span><span class=\"S424E S27E S2\" id=\"t1j_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S424F S27E S2\" id=\"t1k_193\">Demography </span><span class=\"S4250 S27E S2\" id=\"t1l_193\">772,094 </span><span class=\"S4251 S27E S2\" id=\"t1m_193\">774,528 </span><span class=\"S4252 S27E S2\" id=\"t1n_193\">769,544 </span><span class=\"S4253 S27E S2\" id=\"t1o_193\">2,434 </span><span class=\"S4254 S27E S2\" id=\"t1p_193\">(2,550) </span><span class=\"S4255 S27E S2\" id=\"t1q_193\">Russian government bonds </span><span class=\"S4256 S27E S2\" id=\"t1r_193\">Trading securities at fair value through other </span><span class=\"S4257 S27E S2\" id=\"t1s_193\">comprehensive income </span><span class=\"S4258 S27E S2\" id=\"t1t_193\">Credit risk </span><span class=\"S4259 S27E S2\" id=\"t1u_193\">37,580 </span><span class=\"S425A S27E S2\" id=\"t1v_193\">50,468 </span><span class=\"S425B S27E S2\" id=\"t1w_193\">24,692 </span><span class=\"S425C S27E S2\" id=\"t1x_193\">12,888 </span><span class=\"S425D S27E S2\" id=\"t1y_193\">(12,888) </span><span class=\"S425E S27E S2\" id=\"t1z_193\">Ukrainian government </span><span class=\"S425F S27E S2\" id=\"t20_193\">bonds </span><span class=\"S4260 S27E S2\" id=\"t21_193\">Trading securities at fair value through other </span><span class=\"S4261 S27E S2\" id=\"t22_193\">comprehensive income </span><span class=\"S4262 S27E S2\" id=\"t23_193\">Credit risk </span><span class=\"S4263 S27E S2\" id=\"t24_193\">26,571 </span><span class=\"S4264 S27E S2\" id=\"t25_193\">26,571 </span><span class=\"S4265 S27E S2\" id=\"t26_193\">26,571 </span><span class=\"S4266 S27E S2\" id=\"t27_193\">- </span><span class=\"S4267 S27E S2\" id=\"t28_193\">- </span><span class=\"S4268 S27E S2\" id=\"t29_193\">Loans mandatorily at fair </span><span class=\"S4269 S27E S2\" id=\"t2a_193\">value through profit or loss </span><span class=\"S426A S27E S2\" id=\"t2b_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S426B S27E S2\" id=\"t2c_193\">Probability of default </span><span class=\"S426C S27E S2\" id=\"t2d_193\">454,164 </span><span class=\"S426D S27E S2\" id=\"t2e_193\">454,383 </span><span class=\"S426E S27E S2\" id=\"t2f_193\">453,945 </span><span class=\"S426F S27E S2\" id=\"t2g_193\">219 </span><span class=\"S4270 S27E S2\" id=\"t2h_193\">(219) </span><span class=\"S4271 S27E S2\" id=\"t2i_193\">Loans mandatorily at fair </span><span class=\"S4272 S27E S2\" id=\"t2j_193\">value through profit or loss </span><span class=\"S4273 S27E S2\" id=\"t2k_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S4274 S27E S2\" id=\"t2l_193\">Operational costs </span><span class=\"S4275 S27E S2\" id=\"t2m_193\">454,164 </span><span class=\"S4276 S27E S2\" id=\"t2n_193\">459,950 </span><span class=\"S4277 S27E S2\" id=\"t2o_193\">448,558 </span><span class=\"S4278 S27E S2\" id=\"t2p_193\">5,786 </span><span class=\"S4279 S27E S2\" id=\"t2q_193\">(5,606) </span><span class=\"S427A S27D S2\" id=\"t2r_193\">Total </span><span class=\"S427B S27D S2\" id=\"t2s_193\">3,307,195 </span><span class=\"S427C S27D S2\" id=\"t2t_193\">3,336,111 </span><span class=\"S427D S27D S2\" id=\"t2u_193\">3,281,069 </span><span class=\"S427E S27D S2\" id=\"t2v_193\">28,916 </span><span class=\"S427F S27D S2\" id=\"t2w_193\">(26,126) </span><span class=\"S4280 S27D S2\" id=\"t2x_193\">2021 </span><span class=\"S4281 S27D S2\" id=\"t2y_193\">Presentation in the Statement of Financial Position </span><span class=\"S4282 S27D S2\" id=\"t2z_193\">Unobservable </span><span class=\"S4283 S27D S2\" id=\"t30_193\">Book value </span><span class=\"S4284 S27D S2\" id=\"t31_193\">Fair values </span><span class=\"S4285 S27D S2\" id=\"t32_193\">Effect on profit and loss </span><span class=\"S4286 S27D S2\" id=\"t33_193\">Favourable </span><span class=\"S4287 S27D S2\" id=\"t34_193\">Unfavourable </span><span class=\"S4288 S27D S2\" id=\"t35_193\">Favourable </span><span class=\"S4289 S27D S2\" id=\"t36_193\">Unfavourable </span><span class=\"S428A S27E S2\" id=\"t37_193\">VISA C shares </span><span class=\"S428B S27E S2\" id=\"t38_193\">Non-trading instruments mandatorily at fair value </span><span class=\"S428C S27E S2\" id=\"t39_193\">through profit or loss </span><span class=\"S428D S27E S2\" id=\"t3a_193\">Illiquidity </span><span class=\"S428E S27E S2\" id=\"t3b_193\">5,891 </span><span class=\"S428F S27E S2\" id=\"t3c_193\">6,704 </span><span class=\"S4290 S27E S2\" id=\"t3d_193\">5,078 </span><span class=\"S4291 S27E S2\" id=\"t3e_193\">813 </span><span class=\"S4292 S27E S2\" id=\"t3f_193\">(813) </span><span class=\"S4293 S27E S2\" id=\"t3g_193\">MFB refinancing loans </span><span class=\"S4294 S27E S2\" id=\"t3h_193\">Financial liabilities designated at fair value through </span><span class=\"S4295 S27E S2\" id=\"t3i_193\">profit or loss </span><span class=\"S4296 S27E S2\" id=\"t3j_193\">Probability of default </span><span class=\"S4297 S27E S2\" id=\"t3k_193\">19,095 </span><span class=\"S4298 S27E S2\" id=\"t3l_193\">19,218 </span><span class=\"S4299 S27E S2\" id=\"t3m_193\">18,972 </span><span class=\"S429A S27E S2\" id=\"t3n_193\">123 </span><span class=\"S429B S27E S2\" id=\"t3o_193\">(123) </span><span class=\"S429C S27E S2\" id=\"t3p_193\">Subsidised personal loans </span><span class=\"S429D S27E S2\" id=\"t3q_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S429E S27E S2\" id=\"t3r_193\">Probability of default </span><span class=\"S429F S27E S2\" id=\"t3s_193\">635,416 </span><span class=\"S42A0 S27E S2\" id=\"t3t_193\">639,006 </span><span class=\"S42A1 S27E S2\" id=\"t3u_193\">631,855 </span><span class=\"S42A2 S27E S2\" id=\"t3v_193\">3,590 </span><span class=\"S42A3 S27E S2\" id=\"t3w_193\">(3,561) </span><span class=\"S42A4 S27E S2\" id=\"t3x_193\">Subsidised personal loans </span><span class=\"S42A5 S27E S2\" id=\"t3y_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42A6 S27E S2\" id=\"t3z_193\">Operational costs </span><span class=\"S42A7 S27E S2\" id=\"t40_193\">635,416 </span><span class=\"S42A8 S27E S2\" id=\"t41_193\">647,291 </span><span class=\"S42A9 S27E S2\" id=\"t42_193\">623,933 </span><span class=\"S42AA S27E S2\" id=\"t43_193\">11,875 </span><span class=\"S42AB S27E S2\" id=\"t44_193\">(11,483) </span><span class=\"S42AC S27E S2\" id=\"t45_193\">Subsidised personal loans </span><span class=\"S42AD S27E S2\" id=\"t46_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42AE S27E S2\" id=\"t47_193\">Demography </span><span class=\"S42AF S27E S2\" id=\"t48_193\">635,416 </span><span class=\"S42B0 S27E S2\" id=\"t49_193\">635,484 </span><span class=\"S42B1 S27E S2\" id=\"t4a_193\">635,387 </span><span class=\"S42B2 S27E S2\" id=\"t4b_193\">68 </span><span class=\"S42B3 S27E S2\" id=\"t4c_193\">(29) </span><span class=\"S42B4 S27E S2\" id=\"t4d_193\">Ukrainian government </span><span class=\"S42B5 S27E S2\" id=\"t4e_193\">bonds </span><span class=\"S42B6 S27E S2\" id=\"t4f_193\">Trading securities at fair value through other </span><span class=\"S42B7 S27E S2\" id=\"t4g_193\">comprehensive income </span><span class=\"S42B8 S27E S2\" id=\"t4h_193\">Credit risk </span><span class=\"S42B9 S27E S2\" id=\"t4i_193\">55,475 </span><span class=\"S42BA S27E S2\" id=\"t4j_193\">55,475 </span><span class=\"S42BB S27E S2\" id=\"t4k_193\">55,475 </span><span class=\"S42BC S27E S2\" id=\"t4l_193\">- </span><span class=\"S42BD S27E S2\" id=\"t4m_193\">- </span><span class=\"S42BE S27E S2\" id=\"t4n_193\">Loans mandatorily at fair </span><span class=\"S42BF S27E S2\" id=\"t4o_193\">value through profit or loss </span><span class=\"S42C0 S27E S2\" id=\"t4p_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42C1 S27E S2\" id=\"t4q_193\">Probability of default </span><span class=\"S42C2 S27E S2\" id=\"t4r_193\">405,819 </span><span class=\"S42C3 S27E S2\" id=\"t4s_193\">406,368 </span><span class=\"S42C4 S27E S2\" id=\"t4t_193\">405,272 </span><span class=\"S42C5 S27E S2\" id=\"t4u_193\">549 </span><span class=\"S42C6 S27E S2\" id=\"t4v_193\">(547) </span><span class=\"S42C7 S27E S2\" id=\"t4w_193\">Loans mandatorily at fair </span><span class=\"S42C8 S27E S2\" id=\"t4x_193\">value through profit or loss </span><span class=\"S42C9 S27E S2\" id=\"t4y_193\">Loans mandatorily at fair value through profit or loss </span><span class=\"S42CA S27E S2\" id=\"t4z_193\">Operational costs </span><span class=\"S42CB S27E S2\" id=\"t50_193\">405,819 </span><span class=\"S42CC S27E S2\" id=\"t51_193\">412,873 </span><span class=\"S42CD S27E S2\" id=\"t52_193\">399,025 </span><span class=\"S42CE S27E S2\" id=\"t53_193\">7,054 </span><span class=\"S42CF S27E S2\" id=\"t54_193\">(6,794) </span><span class=\"S42D0 S27D S2\" id=\"t55_193\">Total </span><span class=\"S42D1 S27D S2\" id=\"t56_193\">2,798,347 </span><span class=\"S42D2 S27D S2\" id=\"t57_193\">2,822,419 </span><span class=\"S42D3 S27D S2\" id=\"t58_193\">2,774,997 </span><span class=\"S42D4 S27D S2\" id=\"t59_193\">24,072 </span><span class=\"S42D5 S27D S2\" id=\"t5a_193\">(23,350) </span><span class=\"S7D9 SB S2\" id=\"t5_194\">48.4. </span><span class=\"S6E5 SB S2\" id=\"t6_194\">Fair value levels [continued] </span><span class=\"S42D6 SB S2\" id=\"t7_194\">The effect of unobservable inputs on fair value measurement [continued] </span><span class=\"S5BF SA7 S2\" id=\"t8_194\">The favourable and unfavourable effects of using reasonably possible alternative assumptions for the valuation of </span><span class=\"S42D7 SA7 S2\" id=\"t9_194\">Visa C shares have been calculated by modifying the discount rate used for the valuation by +/-12% as being the </span><span class=\"S842 SA7 S2\" id=\"ta_194\">best estimates of the management as at 31 December 2022 and 31 December 2021 respectively. </span><span class=\"S42D8 S5B9 S2\" id=\"tb_194\">In the case of Hungarian Development Bank (\u201cMFB\u201d) refinancing loans and subsidised personal loans the Bank </span><span class=\"S42D9 SA7 S2\" id=\"tc_194\">calculated the favourable and unfavourable effects of using reasonably possible alternative assumptions by </span><span class=\"S383F SA7 S2\" id=\"td_194\">modifying the rates of probability of default by +/- 20% as one of the most significant unobservable inputs. </span><span class=\"S42DA SA7 S2\" id=\"te_194\">In case of subsidised personal loans operational cost and factors related to demography are considered as </span><span class=\"S7E3 SA7 S2\" id=\"tf_194\">unobservable inputs to the applied fair value calculation model in addition to credit risk. </span><span class=\"S42DB SA7 S2\" id=\"tg_194\">The Bank calculated the favourable and unfavourable effects of using reasonably possible alternative assumptions </span><span class=\"S38AF SA7 S2\" id=\"th_194\">by modifying the rates of operational costs by +/- 20% as one of the most significant unobservable inputs. </span><span class=\"SC97 SA7 S2\" id=\"ti_194\">In case of subsidised personal loans cash flow estimation are based on assumption related to the future number of </span><span class=\"S42DC SA7 S2\" id=\"tj_194\">childbirths performed by the debtors both in the current and the comparative period. According to the assumptions </span><span class=\"S42DD SA7 S2\" id=\"tk_194\">used in comparative period 15% of the debtors will not fulfill the conditions of the subsidy determined by the </span><span class=\"S42DE S5B9 S2\" id=\"tl_194\">government after 5 years (\u201cbreach of conditions\u201d), thereby debtors will be obliged to pay back the interest subsidy </span><span class=\"S42DF SA7 S2\" id=\"tm_194\">given in advance. Furthermore, in this case subsidised loans are converted to loans provided based on market </span><span class=\"S42E0 SA7 S2\" id=\"tn_194\">conditions. Loans are prepaid by the government as part of the subsidy after the second and the third childbirth </span><span class=\"S42E1 SA7 S2\" id=\"to_194\">following the signatory of the loan contract. The Bank calculated the favourable and unfavourable effects of using </span><span class=\"S42E2 SA7 S2\" id=\"tp_194\">reasonably possible alternative assumptions by modifying the demographical assumption of breach of conditions </span><span class=\"S1753 SA7 S2\" id=\"tq_194\">by +/- 5% as the most significant unobservable input in the cash flow estimation. </span><span class=\"S42E3 SA7 S2\" id=\"tr_194\">For the year ended 31 December 2022 the Bank used a new and more detailed model for cash flow calculations of </span><span class=\"S42E4 SA7 S2\" id=\"ts_194\">the subsidised personal loans. The new model uses more scenarios compared to the previous one. These scenarios </span><span class=\"S42E5 SA7 S2\" id=\"tt_194\">based on the above-mentioned events (child births after signatory and breach of conditions) and also the event of </span><span class=\"S42E6 SA7 S2\" id=\"tu_194\">divorce. The model uses public statistical information for these events to estimate. The Bank calculated the </span><span class=\"S42E7 SA7 S2\" id=\"tv_194\">favourable and unfavourable effects of using reasonably possible alternative assumptions by modifying the </span><span class=\"S42E8 SA7 S2\" id=\"tw_194\">demographical assumption of future child births by +/-5% as one of the most significant unobservable inputs in </span><span class=\"S42E9 SA7 S2\" id=\"tx_194\">the cash flow estimation. </span><span class=\"S42EA SA7 S2\" id=\"ty_194\">The favourable and unfavourable effects of using reasonably possible alternative assumptions for the valuation of </span><span class=\"S42EB SA7 S2\" id=\"tz_194\">FVOCI securities have been calculated by modifying the discount rate used for the valuation by +/-15% and +/- </span><span class=\"S42EC SA7 S2\" id=\"t10_194\">1% as being the best estimates of the management as at 31 December 2022 and 2021 respectively. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f22952": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_195\">NOTE 49: </span><span class=\"S42ED SB S2\" id=\"t4_195\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF </span><span class=\"S42EE SB S2\" id=\"t5_195\">mn) </span><span class=\"S42EF SA7 S2\" id=\"t6_195\">The Group distinguishes business and geographical segments. The report on the base of the business and </span><span class=\"S7DB SA7 S2\" id=\"t7_195\">geographical segments is reported below. </span><span class=\"S42F0 SA7 S2\" id=\"t8_195\">The reportable segments of the Group on the base of IFRS 8 are as the follows: </span><span class=\"S42F1 SA7 S2\" id=\"t9_195\">OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, </span><span class=\"S7DE SA7 S2\" id=\"ta_195\">Slovenia, Merkantil Group, Asset Management subsidiaries, Other subsidiaries and Corporate Center. </span><span class=\"S42F2 SA7 S2\" id=\"tb_195\">OTP Core is an economic unit for measuring the result of core business activity of the Group in Hungary. </span><span class=\"S42F3 SA7 S2\" id=\"tc_195\">Financials for OTP Core are calculated from the partially Consolidated Financial Statements of the companies </span><span class=\"S42F4 S5B9 S2\" id=\"td_195\">engaged in the Group\u2019s underlying banking operation in Hungary. These companies inc </span><span class=\"S42F5 SA7 S2\" id=\"te_195\">lude OTP Bank Hungary </span><span class=\"S42F6 SA7 S2\" id=\"tf_195\">Plc, OTP Mortgage Bank Ltd., OTP Building Society Ltd., OTP Factoring Ltd., OTP Financial Point Ltd., and </span><span class=\"S848 SA7 S2\" id=\"tg_195\">companies providing intragroup financing. The Bank Employee Stock Ownership Plan Organization was included </span><span class=\"S42F7 SA7 S2\" id=\"th_195\">from the fourth quarter of 2016; OTP Card Factory Ltd., OTP Facility Management Llc., Monicomp Ltd. and OTP </span><span class=\"S42F8 SA7 S2\" id=\"ti_195\">Real Estate Lease Ltd. were included from the first quarter of 2017 (from the first quarter of 2019 OTP Real Estate </span><span class=\"S42F9 SA7 S2\" id=\"tj_195\">Lease Ltd. was eliminated from OTP Core); OTP Mobile Service Llc., OTP Ingatlanpont Llc. were included from </span><span class=\"S42FA SA7 S2\" id=\"tk_195\">the first quarter of 2019, OTP Ecosystem Ltd. (previous name: OTP eBIZ Ltd.) from the first quarter of 2020 and </span><span class=\"S42FB SA7 S2\" id=\"tl_195\">OTP Home Solutions Ltd. was included from the second quarter of 2021. The consolidated accounting results of </span><span class=\"SAE7 SA7 S2\" id=\"tm_195\">these companies are segmented into OTP Core and Corporate Centre. The latter is a virtual entity. </span><span class=\"S42FC SA7 S2\" id=\"tn_195\">Within the Group, the Corporate Centre acts as a virtual entity established by the equity investment of OTP Core </span><span class=\"S42FD SA7 S2\" id=\"to_195\">for managing the wholesale financing activity for all the subsidiaries within the Group but outside OTP Core. </span><span class=\"S42FE SA7 S2\" id=\"tp_195\">Therefore, the balance sheet of the Corporate Centre is funded by the equity and intragroup lending received from </span><span class=\"S42FF SA7 S2\" id=\"tq_195\">OTP Core, the intragroup lending received from other subsidiaries, and the subordinated debt and senior notes </span><span class=\"S4300 SA7 S2\" id=\"tr_195\">arranged by OTP under its running EMTN program. </span><span class=\"S4301 SA7 S2\" id=\"ts_195\">From this funding pool, the Corporate Centre is to provide intragroup lending to, and hold equity stakes in OTP </span><span class=\"S4302 SA7 S2\" id=\"tt_195\">subsidiaries outside OTP Core. Main subsidiaries financed by Corporate Centre are as follows: Hungarians: </span><span class=\"S4303 SA7 S2\" id=\"tu_195\">Merkantil Bank Ltd, OTP Real Estate Lease Ltd, OTP Fund Management Ltd, OTP Real Estate Investment Fund </span><span class=\"S4304 SA7 S2\" id=\"tv_195\">Management Ltd, OTP Life Annuity Ltd; foreigners: banks, leasing companies, factoring companies. </span><span class=\"S4305 SA7 S2\" id=\"tw_195\">The results of foreign factoring companies (OTP Factoring Ukraine LLC, OTP Factoring SRL, OTP Factoring </span><span class=\"S4306 SA7 S2\" id=\"tx_195\">Bulgaria LLC, OTP Factoring Serbia d.o.o., and OTP Debt Collection d.o.o. (formerly known as: OTP Factoring </span><span class=\"S4307 SA7 S2\" id=\"ty_195\">Montenegro d.o.o.), as well as the foreign leasing companies are included into the relevant foreign bank</span><span class=\"S4308 S5B9 S2\" id=\"tz_195\">\u2019</span><span class=\"S4309 SA7 S2\" id=\"t10_195\">s segment. </span><span class=\"S430A SA7 S2\" id=\"t11_195\">The Other subsidiaries include, among others: OTP Real Estate Ltd., OTP Life Annuity Ltd, OTP Funds Servicing </span><span class=\"S18A6 SA7 S2\" id=\"t12_195\">and Consulting Ltd. </span><span class=\"S430B SA7 S2\" id=\"t13_195\">The reportable business and geographical segments of the Group are those components where: </span><span class=\"S430C S40F7 S2\" id=\"t14_195\">- </span><span class=\"S430D SA7 S2\" id=\"t15_195\">separated income and expenses, assets and liabilities can be identified and assignable to the segments, </span><span class=\"S430E S40F7 S2\" id=\"t16_195\">- </span><span class=\"S430F SA7 S2\" id=\"t17_195\">transactions between the different segments were eliminated, </span><span class=\"S4310 S40F7 S2\" id=\"t18_195\">- </span><span class=\"S4311 SA7 S2\" id=\"t19_195\">the main decisive board of the Group regularly controls the operating results, </span><span class=\"S4312 S40F7 S2\" id=\"t1a_195\">- </span><span class=\"S4313 SA7 S2\" id=\"t1b_195\">separated financial information is available. </span><span class=\"SFA4 SB S2\" id=\"t3_196\">NOTE 49: </span><span class=\"S13FD SB S2\" id=\"t4_196\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF </span><span class=\"S4314 SB S2\" id=\"t5_196\">mn) [continued] </span><span class=\"S4315 SB S2\" id=\"t6_196\">Adjustments </span><span class=\"S375B SB S2\" id=\"t7_196\">Goodwill / investment impairment and their tax shield effect: </span><span class=\"S4316 SA7 S2\" id=\"t8_196\">According to the accounting standards the effect of the goodwill impairment of JSC </span><span class=\"S4317 S5B9 S2\" id=\"t9_196\">\u201c</span><span class=\"S4318 SA7 S2\" id=\"ta_196\">OTP Bank</span><span class=\"S4319 S5B9 S2\" id=\"tb_196\">\u201d </span><span class=\"S431A SA7 S2\" id=\"tc_196\">(Russia) was </span><span class=\"S431B SA7 S2\" id=\"td_196\">HUF 67,714 million in the first quarter of 2022, which equals to the original RUB 9,395 million amount and the </span><span class=\"S431C SA7 S2\" id=\"te_196\">historic FX rate at the time of entry. However, due to the change in RUB exchange rate against HUF until the </span><span class=\"S431D SA7 S2\" id=\"tf_196\">booking of the goodwill impairment, there was a revaluation gain of HUF 26,848 million booked directly against </span><span class=\"S431E S5B9 S2\" id=\"tg_196\">equity. Thus, the goodwill impairment\u2019s net impact on the shareholders\u2019 equity was HUF (40,866) million (before </span><span class=\"S7AE SA7 S2\" id=\"th_196\">tax). </span><span class=\"S431F SA7 S2\" id=\"ti_196\">Furthermore, in the first quarter of 2022 investment impairment was booked in relation to the Russian, Ukrainian </span><span class=\"S4320 SA7 S2\" id=\"tj_196\">and Moldovan subsidiary banks. The impairments themselves are eliminated on consolidated level, therefore they </span><span class=\"S4321 SA7 S2\" id=\"tk_196\">do not have an effect for the consolidated profit or loss, but their positive tax shield is still recognized in the </span><span class=\"S4322 SA7 S2\" id=\"tl_196\">consolidated profit or loss (+HUF 11,400 million effect). </span><span class=\"S4323 SA7 S2\" id=\"tm_196\">In the third quarter of 2022 HUF 1.8 billion corporate tax effect emerged in the wake of the impairment booked in </span><span class=\"S4324 SA7 S2\" id=\"tn_196\">relation to the revaluation of the subsidiary investment in OTP Mortgage Bank. </span><span class=\"S4325 SA7 S2\" id=\"to_196\">In the fourth quarter of 2022 HUF (4.8) billion corporate tax effect emerged due to the reversal of impairment </span><span class=\"SA2E SA7 S2\" id=\"tp_196\">booked mainly in relation to the revaluation of the investment in the Russian and Serbian subsidiaries. </span><span class=\"S4326 SA7 S2\" id=\"tq_196\">As at 31 December 2021 HUF 39,546 million impairment was booked on the investment in OTP Bank Romania </span><span class=\"S4327 SA7 S2\" id=\"tr_196\">S.A. on which HUF 3,559 million positive tax effect was recognized, HUF 9,906 million impairment release was </span><span class=\"S4328 SA7 S2\" id=\"ts_196\">booked on OTP Banka Srbija a.d. on which HUF 892 million negative tax effect was recognized, 16,628 million </span><span class=\"S4329 SA7 S2\" id=\"tt_196\">impairment release was booked on Crnogorska komercjalna banka a.d. on which HUF 1,496 million negative tax </span><span class=\"S432A SA7 S2\" id=\"tu_196\">effect was recognized, 8,463 million impairment was booked on Monicomp Ltd. on which HUF 763 million </span><span class=\"S1CF4 SA7 S2\" id=\"tv_196\">positive tax effect was recognized. </span><span class=\"S75A SB S2\" id=\"tw_196\">Special taxes on financial institutions (after income tax): </span><span class=\"S432B SA7 S2\" id=\"tx_196\">The after-tax effect of the special tax on financial institutions payable in Hungary since 2010 reached HUF 20.2 </span><span class=\"S432C SA7 S2\" id=\"ty_196\">billion for full-year 2022, the whole amount was booked in the first quarter. Furthermore, for 2022 the after-tax </span><span class=\"S432D SA7 S2\" id=\"tz_196\">burden of the windfall tax (announced by the Hungarian Government on 4 June and payable temporarily in 2022 </span><span class=\"S432E SA7 S2\" id=\"t10_196\">and 2023) was HUF 67.9 billion, accounted for in a lump sum in the second quarter. Thirdly, the newly introduced </span><span class=\"S432F SA7 S2\" id=\"t11_196\">special tax on certain companies in Croatia was booked in the fourth quarter of 2022 with an after-tax effect of </span><span class=\"S4330 SA7 S2\" id=\"t12_196\">HUF (3.2) billion. </span><span class=\"S4331 SB S2\" id=\"t13_196\">Effect of acquisitions (after income tax): </span><span class=\"S4332 SA7 S2\" id=\"t14_196\">The following main items appeared on this line in the period under review: the integration costs of the acquired </span><span class=\"S4333 SA7 S2\" id=\"t15_196\">banks and other direct effects related to the acquisitions (such as customer base value amortisation). </span><span class=\"S4334 SB S2\" id=\"t16_196\">Moratorium one-off effect: </span><span class=\"SB3C SA7 S2\" id=\"t17_196\">During the term of the moratorium OTP Bank accrues the unpaid interest in its statement of recognized income, </span><span class=\"S4335 SA7 S2\" id=\"t18_196\">amongst the revenues. At the same time, due to the fact that interest cannot be charged on the unpaid interest, and </span><span class=\"S2916 SA7 S2\" id=\"t19_196\">the </span><span class=\"S4336 SA7 S2\" id=\"t1a_196\">unpaid </span><span class=\"S4337 SA7 S2\" id=\"t1b_196\">interest </span><span class=\"S4338 SA7 S2\" id=\"t1c_196\">will </span><span class=\"S4339 SA7 S2\" id=\"t1d_196\">be </span><span class=\"S433A SA7 S2\" id=\"t1e_196\">repaid </span><span class=\"S433B SA7 S2\" id=\"t1f_196\">later, </span><span class=\"S433C SA7 S2\" id=\"t1g_196\">in </span><span class=\"S433D SA7 S2\" id=\"t1h_196\">the </span><span class=\"S433E SA7 S2\" id=\"t1i_196\">course </span><span class=\"S433F SA7 S2\" id=\"t1j_196\">of </span><span class=\"S4340 SA7 S2\" id=\"t1k_196\">2020, </span><span class=\"S4341 SA7 S2\" id=\"t1l_196\">2021 </span><span class=\"S4342 SA7 S2\" id=\"t1m_196\">and </span><span class=\"S4343 SA7 S2\" id=\"t1n_196\">2022 </span><span class=\"S4344 SA7 S2\" id=\"t1o_196\">altogether </span><span class=\"S4345 SA7 S2\" id=\"t1p_196\">HUF 44.1 billion one-off after tax loss emerged in Hungary. </span><span class=\"SFA4 SB S2\" id=\"t3_197\">NOTE 49: </span><span class=\"S13FD SB S2\" id=\"t4_197\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF </span><span class=\"S4314 SB S2\" id=\"t5_197\">mn) [continued] </span><span class=\"S17D8 SB S2\" id=\"t6_197\">Adjustments [continued] </span><span class=\"S6B4 SB S2\" id=\"t7_197\">Impairments on Russian government bonds at OTP Core and DSK Bank: </span><span class=\"S4346 SA7 S2\" id=\"t8_197\">As at 31 December 2022 the face value of Russian government bonds held by OTP Bank and DSK Bank comprised </span><span class=\"S4347 SA7 S2\" id=\"t9_197\">HUF 135.7 billion. </span><span class=\"S4348 SA7 S2\" id=\"ta_197\">During the first quarter those exposures were shifted into the Stage 3 category, and altogether HUF 38.3 billion </span><span class=\"S4349 SA7 S2\" id=\"tb_197\">impairments were recognized in the course of 2022 (mainly in the first quarter) in relation to those exposures, </span><span class=\"S8B2 SA7 S2\" id=\"tc_197\">resulting in an after-tax negative effect of HUF 34.8 billion. </span><span class=\"S434A SA7 S2\" id=\"td_197\">Also, the fair value of those exposures that are measured at fair value was reduced through a negative fair value </span><span class=\"S434B SA7 S2\" id=\"te_197\">adjustment recognized within the comprehensive income statement. As a combined effect of the above two factors, </span><span class=\"S434C SA7 S2\" id=\"tf_197\">the net book value of these Russian bonds held by OTP Bank in Hungary and DSK Bank in Bulgaria stood at HUF </span><span class=\"S1E52 SA7 S2\" id=\"tg_197\">62 billion. </span><span class=\"S84F SB S2\" id=\"th_197\">Effect of the liquidation of Sberbank Hungary: </span><span class=\"S434D SA7 S2\" id=\"ti_197\">The liquidation of Sberbank Hungary resulted in an after-tax effect of HUF (10.4) billion. In the second quarter </span><span class=\"S434E SA7 S2\" id=\"tj_197\">the Hungarian Group members were obliged to pay HUF 28.5 billion extraordinary contribution to the National </span><span class=\"S434F SA7 S2\" id=\"tk_197\">Deposit Insurance Fund. At the same time this amount was offset by the expected recovery from the already </span><span class=\"S4350 S5B9 S2\" id=\"tl_197\">completed sale of Sberbank\u2019s assets. </span><span class=\"S4351 SB S2\" id=\"tm_197\">Interest rate cap Hungary: </span><span class=\"S4352 SA7 S2\" id=\"tn_197\">For the period between 1 January and 30 June 2022 the Hungarian Government introduced an interest rate cap for </span><span class=\"S4353 SA7 S2\" id=\"to_197\">variable-rate retail mortgage loans, and for housing purposes financial leasing contracts, too. </span><span class=\"S4354 SA7 S2\" id=\"tp_197\">Pursuant to </span><span class=\"S4355 SA7 S2\" id=\"tq_197\">Government Decree, the Government extended the interest rate cap by an additional 6 months, that is until 31 </span><span class=\"S4356 SA7 S2\" id=\"tr_197\">December 2022. The expected one-off effect of the extension of the interest rate cap amounted to HUF (10.1) </span><span class=\"S9E4 SA7 S2\" id=\"ts_197\">billion (after tax) and was booked in the second quarter of 2022. On 22 October 2022 the Government announced </span><span class=\"S4357 SA7 S2\" id=\"tt_197\">that starting from 15 November until 30 June 2023, the reference rate of certain MSE loans will also be capped </span><span class=\"S4358 SA7 S2\" id=\"tu_197\">and the provisions shall be applied to HUF denominated, non-subsidized, floating rate loans to micro and small </span><span class=\"S4359 SA7 S2\" id=\"tv_197\">enterprises and financial lease contracts, excluding overdraft loan agreements. The expected negative after tax </span><span class=\"S435A SA7 S2\" id=\"tw_197\">effect of the measures taken in October 2022 amounted to HUF 26.4 billion and was accounted for in the fourth </span><span class=\"S5D9 SA7 S2\" id=\"tx_197\">quarter of 2022 in one sum. </span><span class=\"S435B SB S2\" id=\"ty_197\">Explanation to the segments in the following table below: </span><span class=\"S435C SB S2\" id=\"tz_197\">3; 4; 6: </span><span class=\"S435D SA7 S2\" id=\"t10_197\">The segments distinguished by geographical basis contain banks in that country and sometimes other </span><span class=\"S435E SA7 S2\" id=\"t11_197\">financial institutions (like leasing or factoring companies) or other companies. The incomes mainly arises from </span><span class=\"S435F SA7 S2\" id=\"t12_197\">providing financial services like: collecting deposits, granting loans, leasing and treasury activities, payment and </span><span class=\"S4360 SA7 S2\" id=\"t13_197\">investment services and other financial services. </span><span class=\"S4361 SB S2\" id=\"t14_197\">7: </span><span class=\"S4362 SA7 S2\" id=\"t15_197\">Merkantil Group conducts leasing activities in Hungary, originates its income from providing leasing services </span><span class=\"S3B49 SA7 S2\" id=\"t16_197\">(financing cars and production equipment). </span><span class=\"S4363 SB S2\" id=\"t17_197\">8: </span><span class=\"S4364 SA7 S2\" id=\"t18_197\">Incomes arising in this segment is mainly fee income of fund management companies in Hungary, Bulgaria, </span><span class=\"SAA6 SA7 S2\" id=\"t19_197\">Romania, Ukraine based on capital in investment funds or assets in funds. </span><span class=\"S4365 SB S2\" id=\"t1a_197\">9: </span><span class=\"S4366 SA7 S2\" id=\"t1b_197\">The activities of other Hungarian and foreign subsidiaries are very divergent, so their income also originates </span><span class=\"S4367 SA7 S2\" id=\"t1c_197\">from different sources. The main part of the income in the Other subsidiaries segment comes from the activities </span><span class=\"S4368 SA7 S2\" id=\"t1d_197\">of OTP Funds Servicing and Consulting, OTP Real Estate, OTP Real Estate Fund Management and PortfoLion </span><span class=\"S4369 SA7 S2\" id=\"t1e_197\">Funds. </span><span class=\"S436A SB S2\" id=\"t1f_197\">10: </span><span class=\"S436B SA7 S2\" id=\"t1g_197\">Net interest income of Corporate Centre includes interest expense on liabilities and interest income on assets </span><span class=\"S436C SA7 S2\" id=\"t1h_197\">allocated into this segment. </span><span class=\"S1123 SB S2\" id=\"t3_198\">NOTE 49: </span><span class=\"S436D SB S2\" id=\"t4_198\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_198\">Information regarding the Group\u2019s reportable segments is presented below: </span><span class=\"S436F SB S2\" id=\"t6_198\">As at 31 December 2022 </span><span class=\"S4370 S27D S2\" id=\"t7_198\">Main components of the consolidated statement of profit or loss in HUF million </span><span class=\"S4371 S27D S2\" id=\"t8_198\">OTP Group - in the </span><span class=\"S4372 S27D S2\" id=\"t9_198\">consolidated statement of </span><span class=\"S4373 S27D S2\" id=\"ta_198\">profit or loss - structure of </span><span class=\"S4374 S27D S2\" id=\"tb_198\">accounting reports </span><span class=\"S4375 S27E S2\" id=\"tc_198\">Adjustments on the </span><span class=\"S4376 S27E S2\" id=\"td_198\">accounting in Recognized </span><span class=\"S4377 S27E S2\" id=\"te_198\">Income </span><span class=\"S4378 S27D S2\" id=\"tf_198\">OTP Group - in the </span><span class=\"S4379 S27D S2\" id=\"tg_198\">consolidated statement of </span><span class=\"S437A S27D S2\" id=\"th_198\">profit or loss - structure of </span><span class=\"S437B S27D S2\" id=\"ti_198\">management reports </span><span class=\"S437C S27D S2\" id=\"tj_198\">a </span><span class=\"S437D S27E S2\" id=\"tk_198\">b </span><span class=\"S437E S27D S2\" id=\"tl_198\">1=a+b </span><span class=\"S437F S27D S2\" id=\"tm_198\">Profit after income tax for the year from continued and </span><span class=\"S4380 S27D S2\" id=\"tn_198\">discontinued operations </span><span class=\"S3F80 S27D S2\" id=\"to_198\">347,081 </span><span class=\"S4381 S27D S2\" id=\"tp_198\">347,081 </span><span class=\"S4382 S27D S2\" id=\"tq_198\">Profit after income tax for the year from discontinued operations </span><span class=\"S4383 S27D S2\" id=\"tr_198\">11,444 </span><span class=\"S4384 S27D S2\" id=\"ts_198\">11,444 </span><span class=\"S4385 S27D S2\" id=\"tt_198\">Profit after income tax for the year from continued operations </span><span class=\"S4386 S27D S2\" id=\"tu_198\">335,637 </span><span class=\"S4387 S27D S2\" id=\"tv_198\">335,637 </span><span class=\"S4388 S27D S2\" id=\"tw_198\">Adjustments (total) </span><span class=\"S4389 S27D S2\" id=\"tx_198\">(245,468) </span><span class=\"S438A S27D S2\" id=\"ty_198\">(245,468) </span><span class=\"S438B S27E S2\" id=\"tz_198\">Dividends and net cash transfers (after income tax) </span><span class=\"S438C S27E S2\" id=\"t10_198\">1,927 </span><span class=\"S438D S27E S2\" id=\"t11_198\">1,927 </span><span class=\"S438E S27E S2\" id=\"t12_198\">Goodwill /investment impairment (after income tax) </span><span class=\"S438F S27E S2\" id=\"t13_198\">(59,254) </span><span class=\"S4390 S27E S2\" id=\"t14_198\">(59,254) </span><span class=\"S4391 S27E S2\" id=\"t15_198\">Special tax on financial institutions (after income tax) </span><span class=\"S4392 S27E S2\" id=\"t16_198\">(91,353) </span><span class=\"S4393 S27E S2\" id=\"t17_198\">(91,353) </span><span class=\"S4394 S27E S2\" id=\"t18_198\">Effect of acquisition (after income tax) </span><span class=\"S4395 S27E S2\" id=\"t19_198\">(15,594) </span><span class=\"S4396 S27E S2\" id=\"t1a_198\">(15,594) </span><span class=\"S4397 S27E S2\" id=\"t1b_198\">Expected one-off negative effect of the debt repayment </span><span class=\"S4398 S27E S2\" id=\"t1c_198\">moratorium in Hungary (after income tax) </span><span class=\"S4399 S27E S2\" id=\"t1d_198\">(2,473) </span><span class=\"S439A S27E S2\" id=\"t1e_198\">(2,473) </span><span class=\"S439B S27E S2\" id=\"t1f_198\">Result of the treasury share swap agreement </span><span class=\"S439C S27E S2\" id=\"t1g_198\">at OTP Core (after income tax) </span><span class=\"S439D S27E S2\" id=\"t1h_198\">3,028 </span><span class=\"S439E S27E S2\" id=\"t1i_198\">3,028 </span><span class=\"S439F S27E S2\" id=\"t1j_198\">Loss allowance on Russian government bonds at OTP Core and DSK Bank </span><span class=\"S43A0 S27E S2\" id=\"t1k_198\">(after income tax) </span><span class=\"S43A1 S27E S2\" id=\"t1l_198\">(34,775) </span><span class=\"S43A2 S27E S2\" id=\"t1m_198\">(34,775) </span><span class=\"S43A3 S27E S2\" id=\"t1n_198\">Effect of the winding up of Sberbank Hungary (after income tax) </span><span class=\"S43A4 S27E S2\" id=\"t1o_198\">(10,389) </span><span class=\"S43A5 S27E S2\" id=\"t1p_198\">(10,389) </span><span class=\"S43A6 S27E S2\" id=\"t1q_198\">Expected one-off effect of the extension of the interest rate cap </span><span class=\"S43A7 S27E S2\" id=\"t1r_198\">for certain retail loans in Hungary (after income tax) </span><span class=\"S43A8 S27E S2\" id=\"t1s_198\">(36,585) </span><span class=\"S43A9 S27E S2\" id=\"t1t_198\">(36,585) </span><span class=\"S43AA S483 S2\" id=\"t1u_198\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_199\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_199\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_199\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t6_199\">As at 31 December 2022 [continued] </span><span class=\"S43AD SC43 S2\" id=\"t7_199\">Main components of the consolidated statement of profit or loss </span><span class=\"S43AE SC43 S2\" id=\"t8_199\">in HUF million </span><span class=\"S43AF SC43 S2\" id=\"t9_199\">OTP Group - in the </span><span class=\"S43B0 SC43 S2\" id=\"ta_199\">consolidated statement </span><span class=\"S43B1 SC43 S2\" id=\"tb_199\">of profit or loss - </span><span class=\"S43B2 SC43 S2\" id=\"tc_199\">structure of accounting </span><span class=\"S43B3 SC43 S2\" id=\"td_199\">reports </span><span class=\"S43B4 S483 S2\" id=\"te_199\">Adjustments </span><span class=\"S43B5 S483 S2\" id=\"tf_199\">on the </span><span class=\"S43B6 S483 S2\" id=\"tg_199\">accounting in </span><span class=\"S43B7 S483 S2\" id=\"th_199\">Recognized </span><span class=\"S43B8 S483 S2\" id=\"ti_199\">Income </span><span class=\"S43B9 SC43 S2\" id=\"tj_199\">OTP Group - in the </span><span class=\"S43BA SC43 S2\" id=\"tk_199\">consolidated </span><span class=\"S43BB SC43 S2\" id=\"tl_199\">statement of profit or </span><span class=\"S43BC SC43 S2\" id=\"tm_199\">loss - structure of </span><span class=\"S43BD SC43 S2\" id=\"tn_199\">management reports </span><span class=\"S43BE S483 S2\" id=\"to_199\">Hungarian segment and </span><span class=\"S43BF S483 S2\" id=\"tp_199\">other foreign </span><span class=\"S43C0 S483 S2\" id=\"tq_199\">subsidiaries not reported </span><span class=\"S43C1 S483 S2\" id=\"tr_199\">in \"Foreign bank </span><span class=\"S43C2 S483 S2\" id=\"ts_199\">segment\" subtotal </span><span class=\"S43C3 S483 S2\" id=\"tt_199\">(without adjustments) </span><span class=\"S43C4 S483 S2\" id=\"tu_199\">Foreign banks in </span><span class=\"S43C5 S483 S2\" id=\"tv_199\">EU subtotal </span><span class=\"S43C6 S483 S2\" id=\"tw_199\">(without </span><span class=\"S43C7 S483 S2\" id=\"tx_199\">adjustments) </span><span class=\"S43C8 S483 S2\" id=\"ty_199\">Foreign banks </span><span class=\"S43C9 S483 S2\" id=\"tz_199\">not in EU </span><span class=\"S43CA S483 S2\" id=\"t10_199\">subtotal </span><span class=\"S43CB S483 S2\" id=\"t11_199\">(without </span><span class=\"S43CC S483 S2\" id=\"t12_199\">adjustments) </span><span class=\"S43CD S483 S2\" id=\"t13_199\">Eliminations </span><span class=\"S43CE S483 S2\" id=\"t14_199\">and </span><span class=\"S43CF S483 S2\" id=\"t15_199\">adjustments </span><span class=\"S43D0 SC43 S2\" id=\"t16_199\">a </span><span class=\"S43D1 S483 S2\" id=\"t17_199\">b </span><span class=\"S43D2 SC43 S2\" id=\"t18_199\">1=a+b; 1=2+3+4+5 </span><span class=\"S43D3 S483 S2\" id=\"t19_199\">2 </span><span class=\"S43D4 S483 S2\" id=\"t1a_199\">3 </span><span class=\"S43D5 S483 S2\" id=\"t1b_199\">4 </span><span class=\"S43D6 S483 S2\" id=\"t1c_199\">5 </span><span class=\"S43D7 SC43 S2\" id=\"t1d_199\">Consolidated adjusted profit after income tax for the year </span><span class=\"S43D8 SC43 S2\" id=\"t1e_199\">335,637 </span><span class=\"S43D9 SC43 S2\" id=\"t1f_199\">256,911 </span><span class=\"S43DA SC43 S2\" id=\"t1g_199\">592,548 </span><span class=\"S43DB SC43 S2\" id=\"t1h_199\">304,293 </span><span class=\"S43DC SC43 S2\" id=\"t1i_199\">189,617 </span><span class=\"S43DD SC43 S2\" id=\"t1j_199\">92,869 </span><span class=\"S43DE SC43 S2\" id=\"t1k_199\">5,769 </span><span class=\"S43DF SC43 S2\" id=\"t1l_199\">Profit before income tax </span><span class=\"S43E0 SC43 S2\" id=\"t1m_199\">394,888 </span><span class=\"S43E1 SC43 S2\" id=\"t1n_199\">295,134 </span><span class=\"S43E2 SC43 S2\" id=\"t1o_199\">690,022 </span><span class=\"S43E3 SC43 S2\" id=\"t1p_199\">353,561 </span><span class=\"S43E4 SC43 S2\" id=\"t1q_199\">217,950 </span><span class=\"S43E5 SC43 S2\" id=\"t1r_199\">110,918 </span><span class=\"S43E6 SC43 S2\" id=\"t1s_199\">7,593 </span><span class=\"S43E7 SC43 S2\" id=\"t1t_199\">Adjusted operating profit </span><span class=\"S43E8 SC43 S2\" id=\"t1u_199\">734,658 </span><span class=\"S43E9 SC43 S2\" id=\"t1v_199\">138,957 </span><span class=\"S43EA SC43 S2\" id=\"t1w_199\">873,615 </span><span class=\"S43EB SC43 S2\" id=\"t1x_199\">361,426 </span><span class=\"S43EC SC43 S2\" id=\"t1y_199\">232,797 </span><span class=\"S43ED SC43 S2\" id=\"t1z_199\">278,563 </span><span class=\"S43EE SC43 S2\" id=\"t20_199\">829 </span><span class=\"S43EF SC43 S2\" id=\"t21_199\">Adjusted total income </span><span class=\"S43F0 SC43 S2\" id=\"t22_199\">1,709,806 </span><span class=\"S43F1 SC43 S2\" id=\"t23_199\">(48,107) </span><span class=\"S43F2 SC43 S2\" id=\"t24_199\">1,661,699 </span><span class=\"S43F3 SC43 S2\" id=\"t25_199\">759,142 </span><span class=\"S43F4 SC43 S2\" id=\"t26_199\">446,844 </span><span class=\"S43F5 SC43 S2\" id=\"t27_199\">470,700 </span><span class=\"S43F6 SC43 S2\" id=\"t28_199\">(14,987) </span><span class=\"S43F7 S266A S2\" id=\"t29_199\">Adjusted net interest income </span><span class=\"S43F8 S266A S2\" id=\"t2a_199\">1,091,314 </span><span class=\"S43F9 S266A S2\" id=\"t2b_199\">2,265 </span><span class=\"S43FA S266A S2\" id=\"t2c_199\">1,093,579 </span><span class=\"S43FB S266A S2\" id=\"t2d_199\">448,001 </span><span class=\"S43FC S266A S2\" id=\"t2e_199\">303,256 </span><span class=\"S43FD S266A S2\" id=\"t2f_199\">341,577 </span><span class=\"S43FE S266A S2\" id=\"t2g_199\">745 </span><span class=\"S43FF S266A S2\" id=\"t2h_199\">Adjusted net profit </span><span class=\"S4400 S266A S2\" id=\"t2i_199\">- </span><span class=\"S4401 S266A S2\" id=\"t2j_199\">- </span><span class=\"S4402 S266A S2\" id=\"t2k_199\">from fees and commissions </span><span class=\"S4403 S266A S2\" id=\"t2l_199\">600,360 </span><span class=\"S4404 S266A S2\" id=\"t2m_199\">(203,242) </span><span class=\"S4405 S266A S2\" id=\"t2n_199\">397,118 </span><span class=\"S4406 S266A S2\" id=\"t2o_199\">207,941 </span><span class=\"S4407 S266A S2\" id=\"t2p_199\">113,606 </span><span class=\"S4408 S266A S2\" id=\"t2q_199\">78,675 </span><span class=\"S4409 S266A S2\" id=\"t2r_199\">(3,104) </span><span class=\"S440A S266A S2\" id=\"t2s_199\">Adjusted other net non-interest income </span><span class=\"S440B S266A S2\" id=\"t2t_199\">18,132 </span><span class=\"S440C S266A S2\" id=\"t2u_199\">152,870 </span><span class=\"S440D S266A S2\" id=\"t2v_199\">171,002 </span><span class=\"S440E S266A S2\" id=\"t2w_199\">103,200 </span><span class=\"S440F S266A S2\" id=\"t2x_199\">29,982 </span><span class=\"S4410 S266A S2\" id=\"t2y_199\">50,448 </span><span class=\"S4411 S266A S2\" id=\"t2z_199\">(12,628) </span><span class=\"S4412 SC43 S2\" id=\"t30_199\">Adjusted other administrative expenses </span><span class=\"S4413 SC43 S2\" id=\"t31_199\">(975,148) </span><span class=\"S4414 SC43 S2\" id=\"t32_199\">187,064 </span><span class=\"S4415 SC43 S2\" id=\"t33_199\">(788,084) </span><span class=\"S4416 SC43 S2\" id=\"t34_199\">(397,716) </span><span class=\"S4417 SC43 S2\" id=\"t35_199\">(214,047) </span><span class=\"S4418 SC43 S2\" id=\"t36_199\">(192,137) </span><span class=\"S4419 SC43 S2\" id=\"t37_199\">15,816 </span><span class=\"S441A S266A S2\" id=\"t38_199\">Personnel expenses </span><span class=\"S441B S266A S2\" id=\"t39_199\">(402,563) </span><span class=\"S441C S266A S2\" id=\"t3a_199\">6,259 </span><span class=\"S441D S266A S2\" id=\"t3b_199\">(396,304) </span><span class=\"S441E S266A S2\" id=\"t3c_199\">(179,651) </span><span class=\"S441F S266A S2\" id=\"t3d_199\">(108,850) </span><span class=\"S4420 S266A S2\" id=\"t3e_199\">(108,716) </span><span class=\"S4421 S266A S2\" id=\"t3f_199\">913 </span><span class=\"S4422 S266A S2\" id=\"t3g_199\">Depreciation and amortization </span><span class=\"S4423 S266A S2\" id=\"t3h_199\">(107,588) </span><span class=\"S4424 S266A S2\" id=\"t3i_199\">22,925 </span><span class=\"S4425 S266A S2\" id=\"t3j_199\">(84,663) </span><span class=\"S4426 S266A S2\" id=\"t3k_199\">(46,891) </span><span class=\"S4427 S266A S2\" id=\"t3l_199\">(18,928) </span><span class=\"S4428 S266A S2\" id=\"t3m_199\">(18,482) </span><span class=\"S4429 S266A S2\" id=\"t3n_199\">(362) </span><span class=\"S442A S266A S2\" id=\"t3o_199\">Other general expenses </span><span class=\"S442B S266A S2\" id=\"t3p_199\">(464,997) </span><span class=\"S442C S266A S2\" id=\"t3q_199\">157,880 </span><span class=\"S442D S266A S2\" id=\"t3r_199\">(307,117) </span><span class=\"S442E S266A S2\" id=\"t3s_199\">(171,174) </span><span class=\"S442F S266A S2\" id=\"t3t_199\">(86,269) </span><span class=\"S4430 S266A S2\" id=\"t3u_199\">(64,939) </span><span class=\"S4431 S266A S2\" id=\"t3v_199\">15,265 </span><span class=\"S4432 SC43 S2\" id=\"t3w_199\">Gains from derecognition of </span><span class=\"S4433 SC43 S2\" id=\"t3x_199\">financial assets at amortized cost </span><span class=\"S4434 SC43 S2\" id=\"t3y_199\">(1,655) </span><span class=\"S4435 SC43 S2\" id=\"t3z_199\">- </span><span class=\"S4436 SC43 S2\" id=\"t40_199\">(1,655) </span><span class=\"S4437 SC43 S2\" id=\"t41_199\">(7,342) </span><span class=\"S4438 SC43 S2\" id=\"t42_199\">1,746 </span><span class=\"S4439 SC43 S2\" id=\"t43_199\">3,933 </span><span class=\"S443A SC43 S2\" id=\"t44_199\">8 </span><span class=\"S443B SC43 S2\" id=\"t45_199\">Modification loss </span><span class=\"S443C SC43 S2\" id=\"t46_199\">(39,997) </span><span class=\"S443D SC43 S2\" id=\"t47_199\">40,822 </span><span class=\"S443E SC43 S2\" id=\"t48_199\">825 </span><span class=\"S443F SC43 S2\" id=\"t49_199\">- </span><span class=\"S4440 SC43 S2\" id=\"t4a_199\">20 </span><span class=\"S4441 SC43 S2\" id=\"t4b_199\">805 </span><span class=\"S4442 SC43 S2\" id=\"t4c_199\">- </span><span class=\"S4443 SC43 S2\" id=\"t4d_199\">Total risk costs </span><span class=\"S4444 SC43 S2\" id=\"t4e_199\">(298,118) </span><span class=\"S4445 SC43 S2\" id=\"t4f_199\">115,355 </span><span class=\"S4446 SC43 S2\" id=\"t4g_199\">(182,763) </span><span class=\"S4447 SC43 S2\" id=\"t4h_199\">(523) </span><span class=\"S4448 SC43 S2\" id=\"t4i_199\">(16,613) </span><span class=\"S4449 SC43 S2\" id=\"t4j_199\">(172,383) </span><span class=\"S444A SC43 S2\" id=\"t4k_199\">6,756 </span><span class=\"S444B S266A S2\" id=\"t4l_199\">Adjusted loss allowance on </span><span class=\"S444C S266A S2\" id=\"t4m_199\">financial assets and liabilities </span><span class=\"S444D S266A S2\" id=\"t4n_199\">(without the effect of revaluation of FX) </span><span class=\"S444E S266A S2\" id=\"t4o_199\">(210,458) </span><span class=\"S444F S266A S2\" id=\"t4p_199\">70,929 </span><span class=\"S4450 S266A S2\" id=\"t4q_199\">(139,529) </span><span class=\"S4451 S266A S2\" id=\"t4r_199\">34,015 </span><span class=\"S4452 S266A S2\" id=\"t4s_199\">(9,672) </span><span class=\"S4453 S266A S2\" id=\"t4t_199\">(163,792) </span><span class=\"S4454 S266A S2\" id=\"t4u_199\">(80) </span><span class=\"S4455 S266A S2\" id=\"t4v_199\">Goodwill impairment </span><span class=\"S4456 S266A S2\" id=\"t4w_199\">(67,715) </span><span class=\"S4457 S266A S2\" id=\"t4x_199\">67,715 </span><span class=\"S4458 S266A S2\" id=\"t4y_199\">- </span><span class=\"S4459 S266A S2\" id=\"t4z_199\">- </span><span class=\"S445A S266A S2\" id=\"t50_199\">- </span><span class=\"S445B S266A S2\" id=\"t51_199\">- </span><span class=\"S445C S266A S2\" id=\"t52_199\">- </span><span class=\"S445D S266A S2\" id=\"t53_199\">Other impairment (adjustment) </span><span class=\"S445E S266A S2\" id=\"t54_199\">(19,945) </span><span class=\"S445F S266A S2\" id=\"t55_199\">(23,289) </span><span class=\"S4460 S266A S2\" id=\"t56_199\">(43,234) </span><span class=\"S4461 S266A S2\" id=\"t57_199\">(34,538) </span><span class=\"S4462 S266A S2\" id=\"t58_199\">(6,941) </span><span class=\"S4463 S266A S2\" id=\"t59_199\">(8,591) </span><span class=\"S4464 S266A S2\" id=\"t5a_199\">6,836 </span><span class=\"S4465 S266A S2\" id=\"t5b_199\">from this: Adjusted impairment under IAS 36 </span><span class=\"S4466 S266A S2\" id=\"t5c_199\">(4,185) </span><span class=\"S4467 S266A S2\" id=\"t5d_199\">888 </span><span class=\"S4468 S266A S2\" id=\"t5e_199\">(3,297) </span><span class=\"S4469 S266A S2\" id=\"t5f_199\">(1,356) </span><span class=\"S446A S266A S2\" id=\"t5g_199\">(774) </span><span class=\"S446B S266A S2\" id=\"t5h_199\">(1,166) </span><span class=\"S446C S266A S2\" id=\"t5i_199\">(1) </span><span class=\"S446D SC43 S2\" id=\"t5j_199\">Income tax </span><span class=\"S446E SC43 S2\" id=\"t5k_199\">(59,251) </span><span class=\"S446F SC43 S2\" id=\"t5l_199\">(38,223) </span><span class=\"S4470 SC43 S2\" id=\"t5m_199\">(97,474) </span><span class=\"S4471 SC43 S2\" id=\"t5n_199\">(49,268) </span><span class=\"S4472 SC43 S2\" id=\"t5o_199\">(28,333) </span><span class=\"S4473 SC43 S2\" id=\"t5p_199\">(18,049) </span><span class=\"S4474 SC43 S2\" id=\"t5q_199\">(1,824) </span><span class=\"S4475 S266A S2\" id=\"t5r_199\">- </span><span class=\"S4476 S266A S2\" id=\"t5s_199\">- </span><span class=\"S4477 S266A S2\" id=\"t5t_199\">- </span><span class=\"S4478 SC43 S2\" id=\"t5u_199\">Total Assets </span><span class=\"S4479 SC43 S2\" id=\"t5v_199\">32,804,210 </span><span class=\"S447A SC43 S2\" id=\"t5w_199\">- </span><span class=\"S447B SC43 S2\" id=\"t5x_199\">32,804,210 </span><span class=\"S447C SC43 S2\" id=\"t5y_199\">21,275,751 </span><span class=\"S447D SC43 S2\" id=\"t5z_199\">12,650,295 </span><span class=\"S447E SC43 S2\" id=\"t60_199\">6,452,844 </span><span class=\"S447F SC43 S2\" id=\"t61_199\">(7,574,680) </span><span class=\"S4480 SC43 S2\" id=\"t62_199\">Total Liabilities </span><span class=\"S4481 SC43 S2\" id=\"t63_199\">29,481,898 </span><span class=\"S4482 SC43 S2\" id=\"t64_199\">- </span><span class=\"S4483 SC43 S2\" id=\"t65_199\">29,481,898 </span><span class=\"S4484 SC43 S2\" id=\"t66_199\">17,337,096 </span><span class=\"S4485 SC43 S2\" id=\"t67_199\">11,104,567 </span><span class=\"S4486 SC43 S2\" id=\"t68_199\">5,452,540 </span><span class=\"S4487 SC43 S2\" id=\"t69_199\">(4,412,305) </span><span class=\"S4488 S483 S2\" id=\"t6a_199\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_200\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_200\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_200\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S4489 SB S2\" id=\"t6_200\">As at 31 December 2022 [continued] </span><span class=\"S448A S27D S2\" id=\"t7_200\">Main components of the consolidated statement of profit or loss </span><span class=\"S448B S27D S2\" id=\"t8_200\">in HUF million [continued] </span><span class=\"S448C S27D S2\" id=\"t9_200\">Hungarian segment and other </span><span class=\"S448D S27D S2\" id=\"ta_200\">foreign subsidiaries not </span><span class=\"S448E S27D S2\" id=\"tb_200\">reported in \"Foreign bank </span><span class=\"S448F S27D S2\" id=\"tc_200\">segment\" subtotal (without </span><span class=\"S4490 S27D S2\" id=\"td_200\">adjustments) </span><span class=\"S4491 S27E S2\" id=\"te_200\">OTP CORE </span><span class=\"S4492 S27E S2\" id=\"tf_200\">(Hungary) </span><span class=\"S4493 S27E S2\" id=\"tg_200\">Merkantil </span><span class=\"S4494 S27E S2\" id=\"th_200\">Group </span><span class=\"S4495 S27E S2\" id=\"ti_200\">(Hungary) </span><span class=\"S4496 S27E S2\" id=\"tj_200\">Asset </span><span class=\"S4497 S27E S2\" id=\"tk_200\">Management </span><span class=\"S4498 S27E S2\" id=\"tl_200\">subsidiaries </span><span class=\"S4499 S27E S2\" id=\"tm_200\">Other </span><span class=\"S449A S27E S2\" id=\"tn_200\">subsidiaries </span><span class=\"S449B S27E S2\" id=\"to_200\">Corporate </span><span class=\"S449C S27E S2\" id=\"tp_200\">Centre </span><span class=\"S449D S453A S2\" id=\"tq_200\">2=6+\u2026+10 </span><span class=\"S449E S27E S2\" id=\"tr_200\">6 </span><span class=\"S449F S27E S2\" id=\"ts_200\">7 </span><span class=\"S44A0 S27E S2\" id=\"tt_200\">8 </span><span class=\"S44A1 S27E S2\" id=\"tu_200\">9 </span><span class=\"S44A2 S27E S2\" id=\"tv_200\">10 </span><span class=\"S44A3 S27D S2\" id=\"tw_200\">Consolidated adjusted profit after income tax for the year </span><span class=\"S44A4 S27D S2\" id=\"tx_200\">304,293 </span><span class=\"S44A5 S27D S2\" id=\"ty_200\">253,230 </span><span class=\"S44A6 S27D S2\" id=\"tz_200\">10,971 </span><span class=\"S44A7 S27D S2\" id=\"t10_200\">9,619 </span><span class=\"S44A8 S27D S2\" id=\"t11_200\">27,505 </span><span class=\"S44A9 S27D S2\" id=\"t12_200\">2,968 </span><span class=\"S44AA S27D S2\" id=\"t13_200\">Profit before income tax </span><span class=\"S44AB S27D S2\" id=\"t14_200\">353,561 </span><span class=\"S44AC S27D S2\" id=\"t15_200\">296,670 </span><span class=\"S44AD S27D S2\" id=\"t16_200\">12,616 </span><span class=\"S44AE S27D S2\" id=\"t17_200\">10,870 </span><span class=\"S44AF S27D S2\" id=\"t18_200\">29,982 </span><span class=\"S44B0 S27D S2\" id=\"t19_200\">3,423 </span><span class=\"S44B1 S27D S2\" id=\"t1a_200\">Adjusted operating profit </span><span class=\"S44B2 S27D S2\" id=\"t1b_200\">361,426 </span><span class=\"S44B3 S27D S2\" id=\"t1c_200\">299,378 </span><span class=\"S44B4 S27D S2\" id=\"t1d_200\">13,945 </span><span class=\"S44B5 S27D S2\" id=\"t1e_200\">10,955 </span><span class=\"S44B6 S27D S2\" id=\"t1f_200\">33,725 </span><span class=\"S44B7 S27D S2\" id=\"t1g_200\">3,423 </span><span class=\"S44B8 S27D S2\" id=\"t1h_200\">Adjusted total income </span><span class=\"S44B9 S27D S2\" id=\"t1i_200\">759,142 </span><span class=\"S44BA S27D S2\" id=\"t1j_200\">642,591 </span><span class=\"S44BB S27D S2\" id=\"t1k_200\">24,780 </span><span class=\"S44BC S27D S2\" id=\"t1l_200\">15,799 </span><span class=\"S44BD S27D S2\" id=\"t1m_200\">70,921 </span><span class=\"S44BE S27D S2\" id=\"t1n_200\">5,051 </span><span class=\"S44BF S27E S2\" id=\"t1o_200\">Adjusted net interest income </span><span class=\"S44C0 S27E S2\" id=\"t1p_200\">448,001 </span><span class=\"S44C1 S27E S2\" id=\"t1q_200\">412,611 </span><span class=\"S44C2 S27E S2\" id=\"t1r_200\">22,537 </span><span class=\"S44C3 S27E S2\" id=\"t1s_200\">32 </span><span class=\"S44C4 S27E S2\" id=\"t1t_200\">7,770 </span><span class=\"S438D S27E S2\" id=\"t1u_200\">5,051 </span><span class=\"S44C5 S27E S2\" id=\"t1v_200\">Adjusted net profit </span><span class=\"S44C6 S27E S2\" id=\"t1w_200\">from fees and commissions </span><span class=\"S44C7 S27E S2\" id=\"t1x_200\">207,941 </span><span class=\"S44C8 S27E S2\" id=\"t1y_200\">176,830 </span><span class=\"S44C9 S27E S2\" id=\"t1z_200\">921 </span><span class=\"S44CA S27E S2\" id=\"t20_200\">15,242 </span><span class=\"S44CB S27E S2\" id=\"t21_200\">14,948 </span><span class=\"S44CC S27E S2\" id=\"t22_200\">- </span><span class=\"S44CD S27E S2\" id=\"t23_200\">Adjusted other net non-interest income </span><span class=\"S44CE S27E S2\" id=\"t24_200\">103,200 </span><span class=\"S44CF S27E S2\" id=\"t25_200\">53,150 </span><span class=\"S44D0 S27E S2\" id=\"t26_200\">1,322 </span><span class=\"S44D1 S27E S2\" id=\"t27_200\">525 </span><span class=\"S44D2 S27E S2\" id=\"t28_200\">48,203 </span><span class=\"S44D3 S27E S2\" id=\"t29_200\">- </span><span class=\"S44D4 S27D S2\" id=\"t2a_200\">Adjusted other administrative expenses </span><span class=\"S44D5 S27D S2\" id=\"t2b_200\">(397,716) </span><span class=\"S44D6 S27D S2\" id=\"t2c_200\">(343,213) </span><span class=\"S44D7 S27D S2\" id=\"t2d_200\">(10,835) </span><span class=\"S44D8 S27D S2\" id=\"t2e_200\">(4,844) </span><span class=\"S44D9 S27D S2\" id=\"t2f_200\">(37,196) </span><span class=\"S44DA S27D S2\" id=\"t2g_200\">(1,628) </span><span class=\"S44DB S27E S2\" id=\"t2h_200\">Personnel expenses </span><span class=\"S44DC S27E S2\" id=\"t2i_200\">(179,651) </span><span class=\"S44DD S27E S2\" id=\"t2j_200\">(157,512) </span><span class=\"S44DE S27E S2\" id=\"t2k_200\">(5,371) </span><span class=\"S44DF S27E S2\" id=\"t2l_200\">(2,905) </span><span class=\"S44E0 S27E S2\" id=\"t2m_200\">(13,752) </span><span class=\"S44E1 S27E S2\" id=\"t2n_200\">(111) </span><span class=\"S44E2 S27E S2\" id=\"t2o_200\">Depreciation and amortization </span><span class=\"S44E3 S27E S2\" id=\"t2p_200\">(46,891) </span><span class=\"S44E4 S27E S2\" id=\"t2q_200\">(40,536) </span><span class=\"S44E5 S27E S2\" id=\"t2r_200\">(1,462) </span><span class=\"S44E6 S27E S2\" id=\"t2s_200\">(251) </span><span class=\"S44E7 S27E S2\" id=\"t2t_200\">(4,640) </span><span class=\"S44E8 S27E S2\" id=\"t2u_200\">(2) </span><span class=\"S44E9 S27E S2\" id=\"t2v_200\">Other general expenses </span><span class=\"S44EA S27E S2\" id=\"t2w_200\">(171,174) </span><span class=\"S44EB S27E S2\" id=\"t2x_200\">(145,165) </span><span class=\"S44EC S27E S2\" id=\"t2y_200\">(4,002) </span><span class=\"S44ED S27E S2\" id=\"t2z_200\">(1,688) </span><span class=\"S44EE S27E S2\" id=\"t30_200\">(18,804) </span><span class=\"S44EF S27E S2\" id=\"t31_200\">(1,515) </span><span class=\"S44F0 S27D S2\" id=\"t32_200\">Gains from derecognition of </span><span class=\"S44F1 S27D S2\" id=\"t33_200\">financial assets at amortized cost </span><span class=\"S44F2 S27D S2\" id=\"t34_200\">(7,342) </span><span class=\"S44F3 S27D S2\" id=\"t35_200\">(7,198) </span><span class=\"S44F4 S27D S2\" id=\"t36_200\">(144) </span><span class=\"S44F5 S27D S2\" id=\"t37_200\">- </span><span class=\"S44F6 S27D S2\" id=\"t38_200\">- </span><span class=\"S44F7 S27D S2\" id=\"t39_200\">- </span><span class=\"S44F8 S27D S2\" id=\"t3a_200\">Modification loss </span><span class=\"S44F9 S27D S2\" id=\"t3b_200\">- </span><span class=\"S44FA S27D S2\" id=\"t3c_200\">- </span><span class=\"S44FB S27D S2\" id=\"t3d_200\">- </span><span class=\"S44FC S27D S2\" id=\"t3e_200\">- </span><span class=\"S44FD S27D S2\" id=\"t3f_200\">- </span><span class=\"S44FE S27D S2\" id=\"t3g_200\">- </span><span class=\"S44FF S27D S2\" id=\"t3h_200\">Total risk costs </span><span class=\"S4500 S27D S2\" id=\"t3i_200\">(523) </span><span class=\"S4501 S27D S2\" id=\"t3j_200\">4,490 </span><span class=\"S4502 S27D S2\" id=\"t3k_200\">(1,185) </span><span class=\"S4503 S27D S2\" id=\"t3l_200\">(85) </span><span class=\"S4504 S27D S2\" id=\"t3m_200\">(3,743) </span><span class=\"S4505 S27D S2\" id=\"t3n_200\">- </span><span class=\"S4506 S27E S2\" id=\"t3o_200\">Adjusted loss allowance on </span><span class=\"S4507 S27E S2\" id=\"t3p_200\">financial assets and liabilities </span><span class=\"S4508 S27E S2\" id=\"t3q_200\">(without the effect of revaluation of FX) </span><span class=\"S4509 S27E S2\" id=\"t3r_200\">34,015 </span><span class=\"S450A S27E S2\" id=\"t3s_200\">34,925 </span><span class=\"S450B S27E S2\" id=\"t3t_200\">(939) </span><span class=\"S450C S27E S2\" id=\"t3u_200\">- </span><span class=\"S450D S27E S2\" id=\"t3v_200\">29 </span><span class=\"S450E S27E S2\" id=\"t3w_200\">- </span><span class=\"S450F S27E S2\" id=\"t3x_200\">Goodwill impairment </span><span class=\"S4510 S27E S2\" id=\"t3y_200\">- </span><span class=\"S4511 S27E S2\" id=\"t3z_200\">- </span><span class=\"S4512 S27E S2\" id=\"t40_200\">- </span><span class=\"S4513 S27E S2\" id=\"t41_200\">- </span><span class=\"S4514 S27E S2\" id=\"t42_200\">- </span><span class=\"S4515 S27E S2\" id=\"t43_200\">- </span><span class=\"S4516 S27E S2\" id=\"t44_200\">Other impairment (adjustment) </span><span class=\"S4517 S27E S2\" id=\"t45_200\">(34,538) </span><span class=\"S4518 S27E S2\" id=\"t46_200\">(30,435) </span><span class=\"S4519 S27E S2\" id=\"t47_200\">(246) </span><span class=\"S451A S27E S2\" id=\"t48_200\">(85) </span><span class=\"S451B S27E S2\" id=\"t49_200\">(3,772) </span><span class=\"S451C S27E S2\" id=\"t4a_200\">- </span><span class=\"S451D S27E S2\" id=\"t4b_200\">from this: Adjusted impairment under IAS 36 </span><span class=\"S451E S27E S2\" id=\"t4c_200\">(1,356) </span><span class=\"S451F S27E S2\" id=\"t4d_200\">(58) </span><span class=\"S4520 S27E S2\" id=\"t4e_200\">(18) </span><span class=\"S4521 S27E S2\" id=\"t4f_200\">14 </span><span class=\"S4522 S27E S2\" id=\"t4g_200\">(1,294) </span><span class=\"S4523 S27E S2\" id=\"t4h_200\">- </span><span class=\"S4524 S27D S2\" id=\"t4i_200\">Income tax </span><span class=\"S4525 S27D S2\" id=\"t4j_200\">(49,268) </span><span class=\"S4526 S27D S2\" id=\"t4k_200\">(43,440) </span><span class=\"S4527 S27D S2\" id=\"t4l_200\">(1,645) </span><span class=\"S4528 S27D S2\" id=\"t4m_200\">(1,251) </span><span class=\"S4529 S27D S2\" id=\"t4n_200\">(2,477) </span><span class=\"S452A S27D S2\" id=\"t4o_200\">(455) </span><span class=\"S452B S27D S2\" id=\"t4p_200\">Total Assets </span><span class=\"S452C S27D S2\" id=\"t4q_200\">21,275,751 </span><span class=\"S452D S27D S2\" id=\"t4r_200\">15,758,292 </span><span class=\"S452E S27D S2\" id=\"t4s_200\">948,735 </span><span class=\"S452F S27D S2\" id=\"t4t_200\">29,916 </span><span class=\"S4530 S27D S2\" id=\"t4u_200\">690,628 </span><span class=\"S4531 S27D S2\" id=\"t4v_200\">3,848,180 </span><span class=\"S4532 S27D S2\" id=\"t4w_200\">Total Liabilities </span><span class=\"S4533 S27D S2\" id=\"t4x_200\">17,337,096 </span><span class=\"S4534 S27D S2\" id=\"t4y_200\">13,742,272 </span><span class=\"S4535 S27D S2\" id=\"t4z_200\">891,144 </span><span class=\"S4536 S27D S2\" id=\"t50_200\">11,180 </span><span class=\"S4537 S27D S2\" id=\"t51_200\">293,169 </span><span class=\"S4538 S27D S2\" id=\"t52_200\">2,399,331 </span><span class=\"S4539 S483 S2\" id=\"t53_200\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_201\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_201\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_201\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S4489 SB S2\" id=\"t6_201\">As at 31 December 2022 [continued] </span><span class=\"S453B S27D S2\" id=\"t7_201\">Main components of the consolidated statement of profit or loss in </span><span class=\"S453C S27D S2\" id=\"t8_201\">HUF million [continued] </span><span class=\"S453D S27D S2\" id=\"t9_201\">Foreign banks in EU </span><span class=\"S453E S27D S2\" id=\"ta_201\">subtotal (without </span><span class=\"S453F S27D S2\" id=\"tb_201\">adjustments) </span><span class=\"S4540 S27E S2\" id=\"tc_201\">DSK Bank AD </span><span class=\"S4541 S27E S2\" id=\"td_201\">(Bulgaria) </span><span class=\"S4542 S27E S2\" id=\"te_201\">OTP banka d.d. </span><span class=\"S4543 S27E S2\" id=\"tf_201\">(Croatia) </span><span class=\"S4544 S27E S2\" id=\"tg_201\">SKB Banka d.d. </span><span class=\"S4545 S27E S2\" id=\"th_201\">(Slovenia) </span><span class=\"S4546 S27E S2\" id=\"ti_201\">OTP Bank </span><span class=\"S4547 S27E S2\" id=\"tj_201\">Romania S.A. </span><span class=\"S4548 S27E S2\" id=\"tk_201\">(Romania) </span><span class=\"S4549 S453A S2\" id=\"tl_201\">3=11+\u2026+14 </span><span class=\"S454A S27E S2\" id=\"tm_201\">11 </span><span class=\"S454B S27E S2\" id=\"tn_201\">12 </span><span class=\"S454C S27E S2\" id=\"to_201\">13 </span><span class=\"S454D S27E S2\" id=\"tp_201\">14 </span><span class=\"S454E S27D S2\" id=\"tq_201\">Consolidated adjusted profit after income tax for the year </span><span class=\"S454F S27D S2\" id=\"tr_201\">189,617 </span><span class=\"S4550 S27D S2\" id=\"ts_201\">119,884 </span><span class=\"S4551 S27D S2\" id=\"tt_201\">42,801 </span><span class=\"S4552 S27D S2\" id=\"tu_201\">23,859 </span><span class=\"S4553 S27D S2\" id=\"tv_201\">3,073 </span><span class=\"S4554 S27D S2\" id=\"tw_201\">Profit before income tax </span><span class=\"S4555 S27D S2\" id=\"tx_201\">217,950 </span><span class=\"S4556 S27D S2\" id=\"ty_201\">132,564 </span><span class=\"S4557 S27D S2\" id=\"tz_201\">52,095 </span><span class=\"S4558 S27D S2\" id=\"t10_201\">29,569 </span><span class=\"S4559 S27D S2\" id=\"t11_201\">3,722 </span><span class=\"S455A S27D S2\" id=\"t12_201\">Adjusted operating profit </span><span class=\"S455B S27D S2\" id=\"t13_201\">232,797 </span><span class=\"S455C S27D S2\" id=\"t14_201\">142,393 </span><span class=\"S455D S27D S2\" id=\"t15_201\">48,973 </span><span class=\"S455E S27D S2\" id=\"t16_201\">24,046 </span><span class=\"S455F S27D S2\" id=\"t17_201\">17,385 </span><span class=\"S4560 S27D S2\" id=\"t18_201\">Adjusted total income </span><span class=\"S4561 S27D S2\" id=\"t19_201\">446,844 </span><span class=\"S4562 S27D S2\" id=\"t1a_201\">230,844 </span><span class=\"S4563 S27D S2\" id=\"t1b_201\">102,001 </span><span class=\"S4564 S27D S2\" id=\"t1c_201\">51,403 </span><span class=\"S4565 S27D S2\" id=\"t1d_201\">62,596 </span><span class=\"S4566 S27E S2\" id=\"t1e_201\">Adjusted net interest income </span><span class=\"S4567 S27E S2\" id=\"t1f_201\">303,256 </span><span class=\"S4568 S27E S2\" id=\"t1g_201\">145,461 </span><span class=\"S4569 S27E S2\" id=\"t1h_201\">70,547 </span><span class=\"S456A S27E S2\" id=\"t1i_201\">33,688 </span><span class=\"S456B S27E S2\" id=\"t1j_201\">53,560 </span><span class=\"S456C S27E S2\" id=\"t1k_201\">Adjusted net profit </span><span class=\"S456D S27E S2\" id=\"t1l_201\">from fees and commissions </span><span class=\"S456E S27E S2\" id=\"t1m_201\">113,606 </span><span class=\"S456F S27E S2\" id=\"t1n_201\">68,755 </span><span class=\"S4570 S27E S2\" id=\"t1o_201\">24,692 </span><span class=\"S4571 S27E S2\" id=\"t1p_201\">15,416 </span><span class=\"S4572 S27E S2\" id=\"t1q_201\">4,743 </span><span class=\"S4573 S27E S2\" id=\"t1r_201\">Adjusted other net non-interest income </span><span class=\"S4574 S27E S2\" id=\"t1s_201\">29,982 </span><span class=\"S4575 S27E S2\" id=\"t1t_201\">16,628 </span><span class=\"S4576 S27E S2\" id=\"t1u_201\">6,762 </span><span class=\"S4577 S27E S2\" id=\"t1v_201\">2,299 </span><span class=\"S4578 S27E S2\" id=\"t1w_201\">4,293 </span><span class=\"S4579 S27D S2\" id=\"t1x_201\">Adjusted other administrative expenses </span><span class=\"S457A S27D S2\" id=\"t1y_201\">(214,047) </span><span class=\"S457B S27D S2\" id=\"t1z_201\">(88,451) </span><span class=\"S457C S27D S2\" id=\"t20_201\">(53,028) </span><span class=\"S457D S27D S2\" id=\"t21_201\">(27,357) </span><span class=\"S457E S27D S2\" id=\"t22_201\">(45,211) </span><span class=\"S457F S27E S2\" id=\"t23_201\">Personnel expenses </span><span class=\"S4580 S27E S2\" id=\"t24_201\">(108,850) </span><span class=\"S4581 S27E S2\" id=\"t25_201\">(41,946) </span><span class=\"S4582 S27E S2\" id=\"t26_201\">(27,020) </span><span class=\"S4583 S27E S2\" id=\"t27_201\">(15,278) </span><span class=\"S4584 S27E S2\" id=\"t28_201\">(24,606) </span><span class=\"S4585 S27E S2\" id=\"t29_201\">Depreciation and amortization </span><span class=\"S4586 S27E S2\" id=\"t2a_201\">(18,928) </span><span class=\"S4587 S27E S2\" id=\"t2b_201\">(7,831) </span><span class=\"S4588 S27E S2\" id=\"t2c_201\">(4,845) </span><span class=\"S4589 S27E S2\" id=\"t2d_201\">(1,671) </span><span class=\"S458A S27E S2\" id=\"t2e_201\">(4,581) </span><span class=\"S458B S27E S2\" id=\"t2f_201\">Other general expenses </span><span class=\"S458C S27E S2\" id=\"t2g_201\">(86,269) </span><span class=\"S458D S27E S2\" id=\"t2h_201\">(38,674) </span><span class=\"S458E S27E S2\" id=\"t2i_201\">(21,163) </span><span class=\"S458F S27E S2\" id=\"t2j_201\">(10,408) </span><span class=\"S4590 S27E S2\" id=\"t2k_201\">(16,024) </span><span class=\"S4591 S27D S2\" id=\"t2l_201\">Gains from derecognition of </span><span class=\"S4592 S27D S2\" id=\"t2m_201\">financial assets at amortized cost </span><span class=\"S4593 S27D S2\" id=\"t2n_201\">1,746 </span><span class=\"S4594 S27D S2\" id=\"t2o_201\">1,249 </span><span class=\"S4595 S27D S2\" id=\"t2p_201\">578 </span><span class=\"S4596 S27D S2\" id=\"t2q_201\">- </span><span class=\"S4597 S27D S2\" id=\"t2r_201\">(81) </span><span class=\"S4598 S27D S2\" id=\"t2s_201\">Modification loss </span><span class=\"S4599 S27D S2\" id=\"t2t_201\">20 </span><span class=\"S459A S27D S2\" id=\"t2u_201\">- </span><span class=\"S459B S27D S2\" id=\"t2v_201\">- </span><span class=\"S459C S27D S2\" id=\"t2w_201\">20 </span><span class=\"S459D S27D S2\" id=\"t2x_201\">- </span><span class=\"S459E S27D S2\" id=\"t2y_201\">Total risk costs </span><span class=\"S459F S27D S2\" id=\"t2z_201\">(16,613) </span><span class=\"S45A0 S27D S2\" id=\"t30_201\">(11,078) </span><span class=\"S45A1 S27D S2\" id=\"t31_201\">2,544 </span><span class=\"S45A2 S27D S2\" id=\"t32_201\">5,503 </span><span class=\"S45A3 S27D S2\" id=\"t33_201\">(13,582) </span><span class=\"S45A4 S27E S2\" id=\"t34_201\">Adjusted loss allowance on </span><span class=\"S45A5 S27E S2\" id=\"t35_201\">financial assets and liabilities </span><span class=\"S45A6 S27E S2\" id=\"t36_201\">(without the effect of revaluation of FX) </span><span class=\"S45A7 S27E S2\" id=\"t37_201\">(9,672) </span><span class=\"S45A8 S27E S2\" id=\"t38_201\">(12,251) </span><span class=\"S45A9 S27E S2\" id=\"t39_201\">6,564 </span><span class=\"S45AA S27E S2\" id=\"t3a_201\">7,028 </span><span class=\"S45AB S27E S2\" id=\"t3b_201\">(11,013) </span><span class=\"S45AC S27E S2\" id=\"t3c_201\">Goodwill impairment </span><span class=\"S45AD S27E S2\" id=\"t3d_201\">- </span><span class=\"S45AE S27E S2\" id=\"t3e_201\">- </span><span class=\"S45AF S27E S2\" id=\"t3f_201\">- </span><span class=\"S45B0 S27E S2\" id=\"t3g_201\">- </span><span class=\"S45B1 S27E S2\" id=\"t3h_201\">Other impairment (adjustment) </span><span class=\"S45B2 S27E S2\" id=\"t3i_201\">(6,941) </span><span class=\"S45B3 S27E S2\" id=\"t3j_201\">1,173 </span><span class=\"S45B4 S27E S2\" id=\"t3k_201\">(4,020) </span><span class=\"S45B5 S27E S2\" id=\"t3l_201\">(1,525) </span><span class=\"S45B6 S27E S2\" id=\"t3m_201\">(2,569) </span><span class=\"S45B7 S27E S2\" id=\"t3n_201\">from this: Adjusted impairment under IAS 36 </span><span class=\"S45B8 S27E S2\" id=\"t3o_201\">(774) </span><span class=\"S45B9 S27E S2\" id=\"t3p_201\">(367) </span><span class=\"S45BA S27E S2\" id=\"t3q_201\">122 </span><span class=\"S45BB S27E S2\" id=\"t3r_201\">(53) </span><span class=\"S45BC S27E S2\" id=\"t3s_201\">(476) </span><span class=\"S45BD S27D S2\" id=\"t3t_201\">Income tax </span><span class=\"S45BE S27D S2\" id=\"t3u_201\">(28,333) </span><span class=\"S45BF S27D S2\" id=\"t3v_201\">(12,680) </span><span class=\"S45C0 S27D S2\" id=\"t3w_201\">(9,294) </span><span class=\"S45C1 S27D S2\" id=\"t3x_201\">(5,710) </span><span class=\"S45C2 S27D S2\" id=\"t3y_201\">(649) </span><span class=\"S45C3 S27D S2\" id=\"t3z_201\">Total Assets </span><span class=\"S45C4 S27D S2\" id=\"t40_201\">12,650,295 </span><span class=\"S45C5 S27D S2\" id=\"t41_201\">5,946,815 </span><span class=\"S45C6 S27D S2\" id=\"t42_201\">3,224,955 </span><span class=\"S45C7 S27D S2\" id=\"t43_201\">1,790,944 </span><span class=\"S45C8 S27D S2\" id=\"t44_201\">1,687,581 </span><span class=\"S45C9 S27D S2\" id=\"t45_201\">Total Liabilities </span><span class=\"S45CA S27D S2\" id=\"t46_201\">11,104,567 </span><span class=\"S45CB S27D S2\" id=\"t47_201\">5,167,720 </span><span class=\"S45CC S27D S2\" id=\"t48_201\">2,834,372 </span><span class=\"S45CD S27D S2\" id=\"t49_201\">1,596,100 </span><span class=\"S45CE S27D S2\" id=\"t4a_201\">1,506,375 </span><span class=\"S45CF S483 S2\" id=\"t4b_201\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_202\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_202\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S45D0 SB S2\" id=\"t5_202\">Information regarding the </span><span class=\"S45D1 S603 S2\" id=\"t6_202\">Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t7_202\">As at 31 December 2022 [continued] </span><span class=\"S45D2 SC43 S2\" id=\"t8_202\">Main components of the consolidated statement of profit or loss in </span><span class=\"S45D3 SC43 S2\" id=\"t9_202\">HUF million [continued] </span><span class=\"S45D4 SC43 S2\" id=\"ta_202\">Foreign banks not in EU </span><span class=\"S45D5 SC43 S2\" id=\"tb_202\">subtotal (without </span><span class=\"S45D6 SC43 S2\" id=\"tc_202\">adjustments) </span><span class=\"S45D7 S483 S2\" id=\"td_202\">OTP banka </span><span class=\"S45D8 S483 S2\" id=\"te_202\">Srbija a.d. </span><span class=\"S45D9 S483 S2\" id=\"tf_202\">(Serbia) </span><span class=\"S45DA S483 S2\" id=\"tg_202\">OTP Bank </span><span class=\"S45DB S483 S2\" id=\"th_202\">JSC </span><span class=\"S45DC S483 S2\" id=\"ti_202\">(Ukraine) </span><span class=\"S45DD S483 S2\" id=\"tj_202\">JSC \"OTP </span><span class=\"S45DE S483 S2\" id=\"tk_202\">Bank\" (Russia) </span><span class=\"S45DF S483 S2\" id=\"tl_202\">and Touch Bank </span><span class=\"S45E0 S483 S2\" id=\"tm_202\">Crnogorska </span><span class=\"S45E1 S483 S2\" id=\"tn_202\">komercijalna banka </span><span class=\"S45E2 S483 S2\" id=\"to_202\">a.d. (Montenegro) </span><span class=\"S45E3 S483 S2\" id=\"tp_202\">Banka OTP </span><span class=\"S45E4 S483 S2\" id=\"tq_202\">Albania SHA </span><span class=\"S45E5 S483 S2\" id=\"tr_202\">(Albania) </span><span class=\"S45E6 S483 S2\" id=\"ts_202\">OTP Bank </span><span class=\"S45E7 S483 S2\" id=\"tt_202\">S.A. </span><span class=\"S45E8 S483 S2\" id=\"tu_202\">(Moldova) </span><span class=\"S45E9 S469C S2\" id=\"tv_202\">4=15+\u2026+20 </span><span class=\"S45EA S483 S2\" id=\"tw_202\">15 </span><span class=\"S45EB S483 S2\" id=\"tx_202\">16 </span><span class=\"S45EC S483 S2\" id=\"ty_202\">17 </span><span class=\"S45ED S483 S2\" id=\"tz_202\">18 </span><span class=\"S45EE S483 S2\" id=\"t10_202\">19 </span><span class=\"S45EF S483 S2\" id=\"t11_202\">20 </span><span class=\"S45F0 SC43 S2\" id=\"t12_202\">Consolidated adjusted profit after income tax for the year </span><span class=\"S45F1 SC43 S2\" id=\"t13_202\">92,869 </span><span class=\"S45F2 SC43 S2\" id=\"t14_202\">36,873 </span><span class=\"S45F3 SC43 S2\" id=\"t15_202\">(15,923) </span><span class=\"S45F4 SC43 S2\" id=\"t16_202\">42,548 </span><span class=\"S45F5 SC43 S2\" id=\"t17_202\">9,792 </span><span class=\"S45F6 SC43 S2\" id=\"t18_202\">10,174 </span><span class=\"S45F7 SC43 S2\" id=\"t19_202\">9,405 </span><span class=\"S45F8 SC43 S2\" id=\"t1a_202\">Profit before income tax </span><span class=\"S45F9 SC43 S2\" id=\"t1b_202\">110,918 </span><span class=\"S45FA SC43 S2\" id=\"t1c_202\">42,991 </span><span class=\"S45FB SC43 S2\" id=\"t1d_202\">(13,205) </span><span class=\"S45FC SC43 S2\" id=\"t1e_202\">46,180 </span><span class=\"S45FD SC43 S2\" id=\"t1f_202\">11,976 </span><span class=\"S45FE SC43 S2\" id=\"t1g_202\">12,187 </span><span class=\"S45FF SC43 S2\" id=\"t1h_202\">10,789 </span><span class=\"S4600 SC43 S2\" id=\"t1i_202\">Adjusted operating profit </span><span class=\"S4601 SC43 S2\" id=\"t1j_202\">278,563 </span><span class=\"S4602 SC43 S2\" id=\"t1k_202\">58,543 </span><span class=\"S4603 SC43 S2\" id=\"t1l_202\">79,862 </span><span class=\"S4604 SC43 S2\" id=\"t1m_202\">98,137 </span><span class=\"S4605 SC43 S2\" id=\"t1n_202\">15,134 </span><span class=\"S4606 SC43 S2\" id=\"t1o_202\">9,335 </span><span class=\"S4607 SC43 S2\" id=\"t1p_202\">17,552 </span><span class=\"S4608 SC43 S2\" id=\"t1q_202\">Adjusted total income </span><span class=\"S4609 SC43 S2\" id=\"t1r_202\">470,700 </span><span class=\"S460A SC43 S2\" id=\"t1s_202\">104,523 </span><span class=\"S460B SC43 S2\" id=\"t1t_202\">110,805 </span><span class=\"S460C SC43 S2\" id=\"t1u_202\">178,494 </span><span class=\"S460D SC43 S2\" id=\"t1v_202\">28,816 </span><span class=\"S460E SC43 S2\" id=\"t1w_202\">20,232 </span><span class=\"S460F SC43 S2\" id=\"t1x_202\">27,830 </span><span class=\"S4610 S483 S2\" id=\"t1y_202\">Adjusted net interest income </span><span class=\"S4611 S483 S2\" id=\"t1z_202\">341,577 </span><span class=\"S4612 S483 S2\" id=\"t20_202\">76,635 </span><span class=\"S4613 S483 S2\" id=\"t21_202\">90,007 </span><span class=\"S4614 S483 S2\" id=\"t22_202\">118,004 </span><span class=\"S4615 S483 S2\" id=\"t23_202\">20,832 </span><span class=\"S4616 S483 S2\" id=\"t24_202\">16,927 </span><span class=\"S4617 S483 S2\" id=\"t25_202\">19,172 </span><span class=\"S4618 S483 S2\" id=\"t26_202\">Adjusted net profit </span><span class=\"S4619 S483 S2\" id=\"t27_202\">from fees and commissions </span><span class=\"S461A S483 S2\" id=\"t28_202\">78,675 </span><span class=\"S461B S483 S2\" id=\"t29_202\">17,954 </span><span class=\"S461C S483 S2\" id=\"t2a_202\">12,673 </span><span class=\"S461D S483 S2\" id=\"t2b_202\">35,251 </span><span class=\"S461E S483 S2\" id=\"t2c_202\">7,106 </span><span class=\"S461F S483 S2\" id=\"t2d_202\">3,067 </span><span class=\"S4620 S483 S2\" id=\"t2e_202\">2,624 </span><span class=\"S4621 S483 S2\" id=\"t2f_202\">Adjusted other net non-interest income </span><span class=\"S4622 S483 S2\" id=\"t2g_202\">50,448 </span><span class=\"S4623 S483 S2\" id=\"t2h_202\">9,934 </span><span class=\"S4624 S483 S2\" id=\"t2i_202\">8,125 </span><span class=\"S4625 S483 S2\" id=\"t2j_202\">25,239 </span><span class=\"S4626 S483 S2\" id=\"t2k_202\">878 </span><span class=\"S4627 S483 S2\" id=\"t2l_202\">238 </span><span class=\"S4628 S483 S2\" id=\"t2m_202\">6,034 </span><span class=\"S4629 SC43 S2\" id=\"t2n_202\">Adjusted other administrative expenses </span><span class=\"S462A SC43 S2\" id=\"t2o_202\">(192,137) </span><span class=\"S462B SC43 S2\" id=\"t2p_202\">(45,980) </span><span class=\"S462C SC43 S2\" id=\"t2q_202\">(30,943) </span><span class=\"S462D SC43 S2\" id=\"t2r_202\">(80,357) </span><span class=\"S462E SC43 S2\" id=\"t2s_202\">(13,682) </span><span class=\"S462F SC43 S2\" id=\"t2t_202\">(10,897) </span><span class=\"S4630 SC43 S2\" id=\"t2u_202\">(10,278) </span><span class=\"S4631 S483 S2\" id=\"t2v_202\">Personnel expenses </span><span class=\"S4632 S483 S2\" id=\"t2w_202\">(108,716) </span><span class=\"S4633 S483 S2\" id=\"t2x_202\">(23,342) </span><span class=\"S4634 S483 S2\" id=\"t2y_202\">(18,170) </span><span class=\"S4635 S483 S2\" id=\"t2z_202\">(50,404) </span><span class=\"S4636 S483 S2\" id=\"t30_202\">(6,529) </span><span class=\"S4637 S483 S2\" id=\"t31_202\">(4,318) </span><span class=\"S4638 S483 S2\" id=\"t32_202\">(5,953) </span><span class=\"S4639 S483 S2\" id=\"t33_202\">Depreciation and amortization </span><span class=\"S463A S483 S2\" id=\"t34_202\">(18,482) </span><span class=\"S463B S483 S2\" id=\"t35_202\">(3,342) </span><span class=\"S463C S483 S2\" id=\"t36_202\">(2,570) </span><span class=\"S463D S483 S2\" id=\"t37_202\">(8,712) </span><span class=\"S463E S483 S2\" id=\"t38_202\">(1,711) </span><span class=\"S463F S483 S2\" id=\"t39_202\">(1,023) </span><span class=\"S4640 S483 S2\" id=\"t3a_202\">(1,124) </span><span class=\"S4641 S483 S2\" id=\"t3b_202\">Other general expenses </span><span class=\"S4642 S483 S2\" id=\"t3c_202\">(64,939) </span><span class=\"S4643 S483 S2\" id=\"t3d_202\">(19,296) </span><span class=\"S4644 S483 S2\" id=\"t3e_202\">(10,203) </span><span class=\"S4645 S483 S2\" id=\"t3f_202\">(21,241) </span><span class=\"S4646 S483 S2\" id=\"t3g_202\">(5,442) </span><span class=\"S4647 S483 S2\" id=\"t3h_202\">(5,556) </span><span class=\"S4648 S483 S2\" id=\"t3i_202\">(3,201) </span><span class=\"S4649 SC43 S2\" id=\"t3j_202\">Gains from derecognition of </span><span class=\"S464A SC43 S2\" id=\"t3k_202\">financial assets at amortized cost </span><span class=\"S464B SC43 S2\" id=\"t3l_202\">3,933 </span><span class=\"S464C SC43 S2\" id=\"t3m_202\">1,300 </span><span class=\"S464D SC43 S2\" id=\"t3n_202\">286 </span><span class=\"S464E SC43 S2\" id=\"t3o_202\">3,284 </span><span class=\"S464F SC43 S2\" id=\"t3p_202\">(80) </span><span class=\"S4650 SC43 S2\" id=\"t3q_202\">(671) </span><span class=\"S4651 SC43 S2\" id=\"t3r_202\">(186) </span><span class=\"S4652 SC43 S2\" id=\"t3s_202\">Modification loss </span><span class=\"S4653 SC43 S2\" id=\"t3t_202\">805 </span><span class=\"S4654 SC43 S2\" id=\"t3u_202\">2,062 </span><span class=\"S4655 SC43 S2\" id=\"t3v_202\">(1,245) </span><span class=\"S4656 SC43 S2\" id=\"t3w_202\">- </span><span class=\"S4657 SC43 S2\" id=\"t3x_202\">(12) </span><span class=\"S4658 SC43 S2\" id=\"t3y_202\">- </span><span class=\"S4659 SC43 S2\" id=\"t3z_202\">- </span><span class=\"S465A SC43 S2\" id=\"t40_202\">Total risk costs </span><span class=\"S465B SC43 S2\" id=\"t41_202\">(172,383) </span><span class=\"S465C SC43 S2\" id=\"t42_202\">(18,914) </span><span class=\"S465D SC43 S2\" id=\"t43_202\">(92,108) </span><span class=\"S465E SC43 S2\" id=\"t44_202\">(55,241) </span><span class=\"S465F SC43 S2\" id=\"t45_202\">(3,066) </span><span class=\"S4660 SC43 S2\" id=\"t46_202\">3,523 </span><span class=\"S4661 SC43 S2\" id=\"t47_202\">(6,577) </span><span class=\"S4662 S483 S2\" id=\"t48_202\">Adjusted loss allowance on </span><span class=\"S4663 S483 S2\" id=\"t49_202\">financial assets and liabilities </span><span class=\"S4664 S483 S2\" id=\"t4a_202\">(without the effect of revaluation of FX) </span><span class=\"S4665 S483 S2\" id=\"t4b_202\">(163,792) </span><span class=\"S4666 S483 S2\" id=\"t4c_202\">(17,783) </span><span class=\"S4667 S483 S2\" id=\"t4d_202\">(89,877) </span><span class=\"S4668 S483 S2\" id=\"t4e_202\">(54,330) </span><span class=\"S4669 S483 S2\" id=\"t4f_202\">731 </span><span class=\"S466A S483 S2\" id=\"t4g_202\">3,176 </span><span class=\"S466B S483 S2\" id=\"t4h_202\">(5,709) </span><span class=\"S466C S483 S2\" id=\"t4i_202\">Goodwill impairment </span><span class=\"S466D S483 S2\" id=\"t4j_202\">- </span><span class=\"S466E S483 S2\" id=\"t4k_202\">- </span><span class=\"S466F S483 S2\" id=\"t4l_202\">- </span><span class=\"S4670 S483 S2\" id=\"t4m_202\">- </span><span class=\"S4671 S483 S2\" id=\"t4n_202\">- </span><span class=\"S4672 S483 S2\" id=\"t4o_202\">- </span><span class=\"S4673 S483 S2\" id=\"t4p_202\">Other impairment (adjustment) </span><span class=\"S4674 S483 S2\" id=\"t4q_202\">(8,591) </span><span class=\"S4675 S483 S2\" id=\"t4r_202\">(1,131) </span><span class=\"S4676 S483 S2\" id=\"t4s_202\">(2,231) </span><span class=\"S4677 S483 S2\" id=\"t4t_202\">(911) </span><span class=\"S4678 S483 S2\" id=\"t4u_202\">(3,797) </span><span class=\"S4679 S483 S2\" id=\"t4v_202\">347 </span><span class=\"S467A S483 S2\" id=\"t4w_202\">(868) </span><span class=\"S467B S483 S2\" id=\"t4x_202\">from this: Adjusted impairment under IAS 36 </span><span class=\"S467C S483 S2\" id=\"t4y_202\">(1,166) </span><span class=\"S467D S483 S2\" id=\"t4z_202\">(151) </span><span class=\"S467E S483 S2\" id=\"t50_202\">(33) </span><span class=\"S467F S483 S2\" id=\"t51_202\">(263) </span><span class=\"S4680 S483 S2\" id=\"t52_202\">(677) </span><span class=\"S4681 S483 S2\" id=\"t53_202\">- </span><span class=\"S4682 S483 S2\" id=\"t54_202\">(42) </span><span class=\"S4683 SC43 S2\" id=\"t55_202\">Income tax </span><span class=\"S4684 SC43 S2\" id=\"t56_202\">(18,049) </span><span class=\"S4685 SC43 S2\" id=\"t57_202\">(6,118) </span><span class=\"S4686 SC43 S2\" id=\"t58_202\">(2,718) </span><span class=\"S4687 SC43 S2\" id=\"t59_202\">(3,632) </span><span class=\"S4688 SC43 S2\" id=\"t5a_202\">(2,184) </span><span class=\"S4689 SC43 S2\" id=\"t5b_202\">(2,013) </span><span class=\"S468A SC43 S2\" id=\"t5c_202\">(1,384) </span><span class=\"S468B SC43 S2\" id=\"t5d_202\">Total Assets </span><span class=\"S468C SC43 S2\" id=\"t5e_202\">6,452,844 </span><span class=\"S468D SC43 S2\" id=\"t5f_202\">2,708,993 </span><span class=\"S468E SC43 S2\" id=\"t5g_202\">1,048,713 </span><span class=\"S468F SC43 S2\" id=\"t5h_202\">1,029,721 </span><span class=\"S4690 SC43 S2\" id=\"t5i_202\">664,395 </span><span class=\"S4691 SC43 S2\" id=\"t5j_202\">635,364 </span><span class=\"S4692 SC43 S2\" id=\"t5k_202\">365,658 </span><span class=\"S4693 SC43 S2\" id=\"t5l_202\">Total Liabilities </span><span class=\"S4694 SC43 S2\" id=\"t5m_202\">5,452,540 </span><span class=\"S4695 SC43 S2\" id=\"t5n_202\">2,350,873 </span><span class=\"S4696 SC43 S2\" id=\"t5o_202\">926,221 </span><span class=\"S4697 SC43 S2\" id=\"t5p_202\">723,417 </span><span class=\"S4698 SC43 S2\" id=\"t5q_202\">565,264 </span><span class=\"S4699 SC43 S2\" id=\"t5r_202\">574,537 </span><span class=\"S469A SC43 S2\" id=\"t5s_202\">312,228 </span><span class=\"S469B S483 S2\" id=\"t5t_202\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_203\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_203\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_203\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S436F SB S2\" id=\"t6_203\">As at 31 December 2021 </span><span class=\"S469D S27D S2\" id=\"t7_203\">Main components of the consolidated statement of profit or loss in HUF million </span><span class=\"S469E S27D S2\" id=\"t8_203\">OTP Group - in the </span><span class=\"S469F S27D S2\" id=\"t9_203\">consolidated statement of </span><span class=\"S46A0 S27D S2\" id=\"ta_203\">profit or loss - structure of </span><span class=\"S46A1 S27D S2\" id=\"tb_203\">accounting reports </span><span class=\"S46A2 S27E S2\" id=\"tc_203\">Adjustments on the </span><span class=\"S46A3 S27E S2\" id=\"td_203\">accounting in Recognized </span><span class=\"S46A4 S27E S2\" id=\"te_203\">Income </span><span class=\"S46A5 S27D S2\" id=\"tf_203\">OTP Group - in the </span><span class=\"S46A6 S27D S2\" id=\"tg_203\">consolidated statement of </span><span class=\"S46A7 S27D S2\" id=\"th_203\">profit or loss - structure of </span><span class=\"S46A8 S27D S2\" id=\"ti_203\">management reports </span><span class=\"S46A9 S27D S2\" id=\"tj_203\">a </span><span class=\"S46AA S27E S2\" id=\"tk_203\">b </span><span class=\"S46AB S27D S2\" id=\"tl_203\">1=a+b </span><span class=\"S46AC S27D S2\" id=\"tm_203\">Profit after income tax for the year from continued and </span><span class=\"S46AD S27D S2\" id=\"tn_203\">discontinued operations </span><span class=\"S46AE S27D S2\" id=\"to_203\">456,428 </span><span class=\"S46AF S27D S2\" id=\"tp_203\">456,428 </span><span class=\"S46B0 S27D S2\" id=\"tq_203\">Profit after income tax for the year from discontinued operations </span><span class=\"S46B1 S27D S2\" id=\"tr_203\">116 </span><span class=\"S46B2 S27D S2\" id=\"ts_203\">116 </span><span class=\"S294B S27D S2\" id=\"tt_203\">Profit after income tax for the year from continued operations </span><span class=\"S46B3 S27D S2\" id=\"tu_203\">456,312 </span><span class=\"S46B4 S27D S2\" id=\"tv_203\">456,312 </span><span class=\"S46B5 S27D S2\" id=\"tw_203\">Adjustments (total) </span><span class=\"S46B6 S27D S2\" id=\"tx_203\">(40,475) </span><span class=\"S46B7 S27D S2\" id=\"ty_203\">(40,475) </span><span class=\"S46B8 S27E S2\" id=\"tz_203\">Dividends and net cash transfers (after income tax) </span><span class=\"S46B9 S27E S2\" id=\"t10_203\">729 </span><span class=\"S46BA S27E S2\" id=\"t11_203\">729 </span><span class=\"S46BB S27E S2\" id=\"t12_203\">Goodwill /investment impairment (after income tax) </span><span class=\"S46BC S27E S2\" id=\"t13_203\">1,909 </span><span class=\"S4578 S27E S2\" id=\"t14_203\">1,909 </span><span class=\"S46BD S27E S2\" id=\"t15_203\">Bank tax on financial institutions (after income tax) </span><span class=\"S46BE S27E S2\" id=\"t16_203\">(18,893) </span><span class=\"S457E S27E S2\" id=\"t17_203\">(18,893) </span><span class=\"S46BF S27E S2\" id=\"t18_203\">Effect of acquisition (after income tax) </span><span class=\"S46C0 S27E S2\" id=\"t19_203\">(15,506) </span><span class=\"S4584 S27E S2\" id=\"t1a_203\">(15,506) </span><span class=\"S46C1 S27E S2\" id=\"t1b_203\">Expected one-off negative effect of the debt re- </span><span class=\"S46C2 S27E S2\" id=\"t1c_203\">payment moratorium in Hungary (after income tax) </span><span class=\"S46C3 S27E S2\" id=\"t1d_203\">(15,040) </span><span class=\"S4590 S27E S2\" id=\"t1e_203\">(15,040) </span><span class=\"S46C4 S27E S2\" id=\"t1f_203\">Result of the treasury share swap agreement </span><span class=\"S46C5 S27E S2\" id=\"t1g_203\">at OTP Core (after income tax) </span><span class=\"S46C6 S27E S2\" id=\"t1h_203\">6,326 </span><span class=\"S46C7 S27E S2\" id=\"t1i_203\">6,326 </span><span class=\"S46C8 S483 S2\" id=\"t1j_203\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_204\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_204\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_204\">Information regarding the Group\u2019s reportable segments is presented below </span><span class=\"S46C9 SB S2\" id=\"t6_204\">[continued]: </span><span class=\"S43AC SB S2\" id=\"t7_204\">As at 31 December 2021 [continued] </span><span class=\"S46CA SC43 S2\" id=\"t8_204\">Main components of the consolidated statement of profit or loss </span><span class=\"S46CB SC43 S2\" id=\"t9_204\">in HUF million </span><span class=\"S46CC SC43 S2\" id=\"ta_204\">OTP Group - in the </span><span class=\"S46CD SC43 S2\" id=\"tb_204\">consolidated statement </span><span class=\"S46CE SC43 S2\" id=\"tc_204\">of profit or loss - </span><span class=\"S46CF SC43 S2\" id=\"td_204\">structure of accounting </span><span class=\"S46D0 SC43 S2\" id=\"te_204\">reports </span><span class=\"S46D1 S483 S2\" id=\"tf_204\">Adjustments </span><span class=\"S46D2 S483 S2\" id=\"tg_204\">on the </span><span class=\"S46D3 S483 S2\" id=\"th_204\">accounting in </span><span class=\"S46D4 S483 S2\" id=\"ti_204\">Recognized </span><span class=\"S46D5 S483 S2\" id=\"tj_204\">Income </span><span class=\"S46D6 SC43 S2\" id=\"tk_204\">OTP Group - in the </span><span class=\"S46D7 SC43 S2\" id=\"tl_204\">consolidated </span><span class=\"S46D8 SC43 S2\" id=\"tm_204\">statement of profit or </span><span class=\"S46D9 SC43 S2\" id=\"tn_204\">loss - structure of </span><span class=\"S46DA SC43 S2\" id=\"to_204\">management reports </span><span class=\"S46DB S483 S2\" id=\"tp_204\">Hungarian segment and </span><span class=\"S46DC S483 S2\" id=\"tq_204\">other foreign </span><span class=\"S46DD S483 S2\" id=\"tr_204\">subsidiaries not reported </span><span class=\"S46DE S483 S2\" id=\"ts_204\">in \"Foreign bank </span><span class=\"S46DF S483 S2\" id=\"tt_204\">segment\" subtotal </span><span class=\"S46E0 S483 S2\" id=\"tu_204\">(without adjustments) </span><span class=\"S46E1 S483 S2\" id=\"tv_204\">Foreign banks in </span><span class=\"S46E2 S483 S2\" id=\"tw_204\">EU subtotal </span><span class=\"S46E3 S483 S2\" id=\"tx_204\">(without </span><span class=\"S46E4 S483 S2\" id=\"ty_204\">adjustments) </span><span class=\"S46E5 S483 S2\" id=\"tz_204\">Foreign banks </span><span class=\"S46E6 S483 S2\" id=\"t10_204\">not in EU </span><span class=\"S46E7 S483 S2\" id=\"t11_204\">subtotal </span><span class=\"S46E8 S483 S2\" id=\"t12_204\">(without </span><span class=\"S46E9 S483 S2\" id=\"t13_204\">adjustments) </span><span class=\"S46EA S483 S2\" id=\"t14_204\">Eliminations </span><span class=\"S46EB S483 S2\" id=\"t15_204\">and </span><span class=\"S46EC S483 S2\" id=\"t16_204\">adjustments </span><span class=\"S46ED SC43 S2\" id=\"t17_204\">a </span><span class=\"S46EE S483 S2\" id=\"t18_204\">b </span><span class=\"S46EF SC43 S2\" id=\"t19_204\">1=a+b; 1=2+3+4+5 </span><span class=\"S46F0 S483 S2\" id=\"t1a_204\">2 </span><span class=\"S46F1 S483 S2\" id=\"t1b_204\">3 </span><span class=\"S46F2 S483 S2\" id=\"t1c_204\">4 </span><span class=\"S46F3 S483 S2\" id=\"t1d_204\">5 </span><span class=\"S46F4 SC43 S2\" id=\"t1e_204\">Consolidated adjusted profit after income tax for the year </span><span class=\"S46F5 SC43 S2\" id=\"t1f_204\">456,312 </span><span class=\"S46F6 SC43 S2\" id=\"t1g_204\">44,071 </span><span class=\"S46F7 SC43 S2\" id=\"t1h_204\">500,383 </span><span class=\"S46F8 SC43 S2\" id=\"t1i_204\">240,838 </span><span class=\"S46F9 SC43 S2\" id=\"t1j_204\">131,309 </span><span class=\"S46FA SC43 S2\" id=\"t1k_204\">124,272 </span><span class=\"S46FB SC43 S2\" id=\"t1l_204\">3,964 </span><span class=\"S46FC SC43 S2\" id=\"t1m_204\">Profit before income tax </span><span class=\"S46FD SC43 S2\" id=\"t1n_204\">528,435 </span><span class=\"S46FE SC43 S2\" id=\"t1o_204\">62,899 </span><span class=\"S46FF SC43 S2\" id=\"t1p_204\">591,334 </span><span class=\"S4700 SC43 S2\" id=\"t1q_204\">284,803 </span><span class=\"S4701 SC43 S2\" id=\"t1r_204\">152,663 </span><span class=\"S4702 SC43 S2\" id=\"t1s_204\">148,419 </span><span class=\"S4703 SC43 S2\" id=\"t1t_204\">5,449 </span><span class=\"S4704 SC43 S2\" id=\"t1u_204\">Adjusted operating profit </span><span class=\"S4705 SC43 S2\" id=\"t1v_204\">597,770 </span><span class=\"S4706 SC43 S2\" id=\"t1w_204\">61,589 </span><span class=\"S4707 SC43 S2\" id=\"t1x_204\">659,359 </span><span class=\"S4708 SC43 S2\" id=\"t1y_204\">299,431 </span><span class=\"S4709 SC43 S2\" id=\"t1z_204\">178,192 </span><span class=\"S470A SC43 S2\" id=\"t20_204\">183,171 </span><span class=\"S470B SC43 S2\" id=\"t21_204\">(1,435) </span><span class=\"S470C SC43 S2\" id=\"t22_204\">Adjusted total income </span><span class=\"S470D SC43 S2\" id=\"t23_204\">1,345,382 </span><span class=\"S470E SC43 S2\" id=\"t24_204\">(33,290) </span><span class=\"S470F SC43 S2\" id=\"t25_204\">1,312,092 </span><span class=\"S4710 SC43 S2\" id=\"t26_204\">632,013 </span><span class=\"S4711 SC43 S2\" id=\"t27_204\">356,257 </span><span class=\"S4712 SC43 S2\" id=\"t28_204\">335,934 </span><span class=\"S4713 SC43 S2\" id=\"t29_204\">(12,112) </span><span class=\"S4714 S266A S2\" id=\"t2a_204\">Adjusted net interest income </span><span class=\"S4715 S266A S2\" id=\"t2b_204\">874,310 </span><span class=\"S4716 S266A S2\" id=\"t2c_204\">9,702 </span><span class=\"S4717 S266A S2\" id=\"t2d_204\">884,012 </span><span class=\"S4718 S266A S2\" id=\"t2e_204\">392,588 </span><span class=\"S4719 S266A S2\" id=\"t2f_204\">237,745 </span><span class=\"S471A S266A S2\" id=\"t2g_204\">252,782 </span><span class=\"S471B S266A S2\" id=\"t2h_204\">897 </span><span class=\"S471C S266A S2\" id=\"t2i_204\">Adjusted net profit </span><span class=\"S471D S266A S2\" id=\"t2j_204\">from fees and commissions </span><span class=\"S471E S266A S2\" id=\"t2k_204\">442,174 </span><span class=\"S3267 S266A S2\" id=\"t2l_204\">(116,626) </span><span class=\"S471F S266A S2\" id=\"t2m_204\">325,548 </span><span class=\"S4720 S266A S2\" id=\"t2n_204\">177,034 </span><span class=\"S4721 S266A S2\" id=\"t2o_204\">90,092 </span><span class=\"S4722 S266A S2\" id=\"t2p_204\">63,699 </span><span class=\"S4723 S266A S2\" id=\"t2q_204\">(5,277) </span><span class=\"S4724 S266A S2\" id=\"t2r_204\">Adjusted other net non-interest income </span><span class=\"S2CC0 S266A S2\" id=\"t2s_204\">28,898 </span><span class=\"S4725 S266A S2\" id=\"t2t_204\">73,634 </span><span class=\"S4726 S266A S2\" id=\"t2u_204\">102,532 </span><span class=\"S4727 S266A S2\" id=\"t2v_204\">62,391 </span><span class=\"S4728 S266A S2\" id=\"t2w_204\">28,420 </span><span class=\"S4729 S266A S2\" id=\"t2x_204\">19,453 </span><span class=\"S472A S266A S2\" id=\"t2y_204\">(7,732) </span><span class=\"S472B SC43 S2\" id=\"t2z_204\">Adjusted other administrative expenses </span><span class=\"S472C SC43 S2\" id=\"t30_204\">(747,612) </span><span class=\"S472D SC43 S2\" id=\"t31_204\">94,879 </span><span class=\"S472E SC43 S2\" id=\"t32_204\">(652,733) </span><span class=\"S472F SC43 S2\" id=\"t33_204\">(332,582) </span><span class=\"S4730 SC43 S2\" id=\"t34_204\">(178,065) </span><span class=\"S4731 SC43 S2\" id=\"t35_204\">(152,763) </span><span class=\"S4732 SC43 S2\" id=\"t36_204\">10,677 </span><span class=\"S4733 S266A S2\" id=\"t37_204\">Personnel expenses </span><span class=\"S4734 S266A S2\" id=\"t38_204\">(340,684) </span><span class=\"S4735 S266A S2\" id=\"t39_204\">483 </span><span class=\"S4736 S266A S2\" id=\"t3a_204\">(340,201) </span><span class=\"S4737 S266A S2\" id=\"t3b_204\">(163,957) </span><span class=\"S4738 S266A S2\" id=\"t3c_204\">(91,350) </span><span class=\"S4739 S266A S2\" id=\"t3d_204\">(85,606) </span><span class=\"S473A S266A S2\" id=\"t3e_204\">712 </span><span class=\"S473B S266A S2\" id=\"t3f_204\">Depreciation and amortization </span><span class=\"S473C S266A S2\" id=\"t3g_204\">(94,996) </span><span class=\"S473D S266A S2\" id=\"t3h_204\">22,180 </span><span class=\"S473E S266A S2\" id=\"t3i_204\">(72,816) </span><span class=\"S473F S266A S2\" id=\"t3j_204\">(42,088) </span><span class=\"S4740 S266A S2\" id=\"t3k_204\">(16,383) </span><span class=\"S4741 S266A S2\" id=\"t3l_204\">(13,966) </span><span class=\"S4742 S266A S2\" id=\"t3m_204\">(379) </span><span class=\"S4743 S266A S2\" id=\"t3n_204\">Other general expenses </span><span class=\"S4744 S266A S2\" id=\"t3o_204\">(311,932) </span><span class=\"S4745 S266A S2\" id=\"t3p_204\">72,216 </span><span class=\"S4746 S266A S2\" id=\"t3q_204\">(239,716) </span><span class=\"S4747 S266A S2\" id=\"t3r_204\">(126,537) </span><span class=\"S4748 S266A S2\" id=\"t3s_204\">(70,332) </span><span class=\"S4749 S266A S2\" id=\"t3t_204\">(53,191) </span><span class=\"S474A S266A S2\" id=\"t3u_204\">10,344 </span><span class=\"S474B SC43 S2\" id=\"t3v_204\">Gains from derecognition of </span><span class=\"S474C SC43 S2\" id=\"t3w_204\">financial assets at amortized cost </span><span class=\"S474D SC43 S2\" id=\"t3x_204\">1,885 </span><span class=\"S474E SC43 S2\" id=\"t3y_204\">(1) </span><span class=\"S474F SC43 S2\" id=\"t3z_204\">1,884 </span><span class=\"S4750 SC43 S2\" id=\"t40_204\">(1,791) </span><span class=\"S4751 SC43 S2\" id=\"t41_204\">1,814 </span><span class=\"S4752 SC43 S2\" id=\"t42_204\">1,862 </span><span class=\"S4753 SC43 S2\" id=\"t43_204\">(1) </span><span class=\"S4754 SC43 S2\" id=\"t44_204\">Modification loss </span><span class=\"S4755 SC43 S2\" id=\"t45_204\">(13,672) </span><span class=\"S4756 SC43 S2\" id=\"t46_204\">10,131 </span><span class=\"S4757 SC43 S2\" id=\"t47_204\">(3,541) </span><span class=\"S4758 SC43 S2\" id=\"t48_204\">(3,397) </span><span class=\"S4759 SC43 S2\" id=\"t49_204\">(14) </span><span class=\"S475A SC43 S2\" id=\"t4a_204\">(130) </span><span class=\"S475B SC43 S2\" id=\"t4b_204\">- </span><span class=\"S475C SC43 S2\" id=\"t4c_204\">Total risk costs </span><span class=\"S475D SC43 S2\" id=\"t4d_204\">(57,548) </span><span class=\"S475E SC43 S2\" id=\"t4e_204\">(8,820) </span><span class=\"S475F SC43 S2\" id=\"t4f_204\">(66,368) </span><span class=\"S4760 SC43 S2\" id=\"t4g_204\">(9,440) </span><span class=\"S4761 SC43 S2\" id=\"t4h_204\">(27,329) </span><span class=\"S4762 SC43 S2\" id=\"t4i_204\">(36,484) </span><span class=\"S4763 SC43 S2\" id=\"t4j_204\">6,885 </span><span class=\"S4764 S266A S2\" id=\"t4k_204\">Adjusted loss allowance on </span><span class=\"S4765 S266A S2\" id=\"t4l_204\">financial assets and liabilities </span><span class=\"S4766 S266A S2\" id=\"t4m_204\">(without the effect of revaluation of FX) </span><span class=\"S4767 S266A S2\" id=\"t4n_204\">(47,645) </span><span class=\"S4768 S266A S2\" id=\"t4o_204\">7,809 </span><span class=\"S4769 S266A S2\" id=\"t4p_204\">(39,836) </span><span class=\"S476A S266A S2\" id=\"t4q_204\">2,010 </span><span class=\"S476B S266A S2\" id=\"t4r_204\">(23,973) </span><span class=\"S476C S266A S2\" id=\"t4s_204\">(21,918) </span><span class=\"S476D S266A S2\" id=\"t4t_204\">4,045 </span><span class=\"S476E S266A S2\" id=\"t4u_204\">Other impairment (adjustment) </span><span class=\"S476F S266A S2\" id=\"t4v_204\">(9,903) </span><span class=\"S4770 S266A S2\" id=\"t4w_204\">(16,629) </span><span class=\"S4771 S266A S2\" id=\"t4x_204\">(26,532) </span><span class=\"S4772 S266A S2\" id=\"t4y_204\">(11,450) </span><span class=\"S4773 S266A S2\" id=\"t4z_204\">(3,356) </span><span class=\"S4774 S266A S2\" id=\"t50_204\">(14,566) </span><span class=\"S4775 S266A S2\" id=\"t51_204\">2,840 </span><span class=\"S4776 S266A S2\" id=\"t52_204\">from this: adjusted impairment under IAS 36 </span><span class=\"S4777 S266A S2\" id=\"t53_204\">(9,903) </span><span class=\"S4778 S266A S2\" id=\"t54_204\">437 </span><span class=\"S4779 S266A S2\" id=\"t55_204\">(9,466) </span><span class=\"S477A S266A S2\" id=\"t56_204\">(6,190) </span><span class=\"S477B S266A S2\" id=\"t57_204\">(3,001) </span><span class=\"S477C S266A S2\" id=\"t58_204\">(274) </span><span class=\"S477D S266A S2\" id=\"t59_204\">(1) </span><span class=\"S477E SC43 S2\" id=\"t5a_204\">Income tax </span><span class=\"S477F SC43 S2\" id=\"t5b_204\">(72,123) </span><span class=\"S4780 SC43 S2\" id=\"t5c_204\">(18,828) </span><span class=\"S4781 SC43 S2\" id=\"t5d_204\">(90,951) </span><span class=\"S4782 SC43 S2\" id=\"t5e_204\">(43,965) </span><span class=\"S4783 SC43 S2\" id=\"t5f_204\">(21,354) </span><span class=\"S4784 SC43 S2\" id=\"t5g_204\">(24,147) </span><span class=\"S4785 SC43 S2\" id=\"t5h_204\">(1,485) </span><span class=\"S4786 SC43 S2\" id=\"t5i_204\">Total Assets </span><span class=\"S4787 S20BA S2\" id=\"t5j_204\">1 </span><span class=\"S4788 SC43 S2\" id=\"t5k_204\">27,551,338 </span><span class=\"S4789 SC43 S2\" id=\"t5l_204\">- </span><span class=\"S478A SC43 S2\" id=\"t5m_204\">27,551,338 </span><span class=\"S478B SC43 S2\" id=\"t5n_204\">18,637,440 </span><span class=\"S478C SC43 S2\" id=\"t5o_204\">10,075,267 </span><span class=\"S478D SC43 S2\" id=\"t5p_204\">5,183,118 </span><span class=\"S478E SC43 S2\" id=\"t5q_204\">(6,344,487) </span><span class=\"S478F SC43 S2\" id=\"t5r_204\">Total Liabilities </span><span class=\"S4790 SC43 S2\" id=\"t5s_204\">24,516,618 </span><span class=\"S4791 SC43 S2\" id=\"t5t_204\">- </span><span class=\"S4792 SC43 S2\" id=\"t5u_204\">24,516,618 </span><span class=\"S4793 SC43 S2\" id=\"t5v_204\">14,861,117 </span><span class=\"S4794 SC43 S2\" id=\"t5w_204\">8,680,440 </span><span class=\"S4795 SC43 S2\" id=\"t5x_204\">4,316,145 </span><span class=\"S4796 SC43 S2\" id=\"t5y_204\">(3,341,084) </span><span class=\"S4797 S482 S2\" id=\"t5z_204\">1 </span><span class=\"S4798 S483 S2\" id=\"t60_204\">Relating to the discontinued operations the assets were HUF 2,046 million. </span><span class=\"S4799 S483 S2\" id=\"t61_204\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_205\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_205\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_205\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S479A SB S2\" id=\"t6_205\">As at 31 December 2021 [continued] </span><span class=\"S479B S27D S2\" id=\"t7_205\">Main components of the consolidated statement of profit or loss </span><span class=\"S479C S27D S2\" id=\"t8_205\">in HUF million [continued] </span><span class=\"S479D S27D S2\" id=\"t9_205\">Hungarian segment and other </span><span class=\"S479E S27D S2\" id=\"ta_205\">foreign subsidiaries not </span><span class=\"S479F S27D S2\" id=\"tb_205\">reported in \"Foreign bank </span><span class=\"S47A0 S27D S2\" id=\"tc_205\">segment\" subtotal (without </span><span class=\"S47A1 S27D S2\" id=\"td_205\">adjustments) </span><span class=\"S47A2 S27E S2\" id=\"te_205\">OTP CORE </span><span class=\"S47A3 S27E S2\" id=\"tf_205\">(Hungary) </span><span class=\"S47A4 S27E S2\" id=\"tg_205\">Merkantil </span><span class=\"S47A5 S27E S2\" id=\"th_205\">Group </span><span class=\"S47A6 S27E S2\" id=\"ti_205\">(Hungary) </span><span class=\"S47A7 S27E S2\" id=\"tj_205\">Asset </span><span class=\"S47A8 S27E S2\" id=\"tk_205\">Management </span><span class=\"S47A9 S27E S2\" id=\"tl_205\">subsidiaries </span><span class=\"S47AA S27E S2\" id=\"tm_205\">Other </span><span class=\"S47AB S27E S2\" id=\"tn_205\">subsidiaries </span><span class=\"S47AC S27E S2\" id=\"to_205\">Corporate </span><span class=\"S47AD S27E S2\" id=\"tp_205\">Centre </span><span class=\"S47AE S453A S2\" id=\"tq_205\">2=6+\u2026+10 </span><span class=\"S47AF S27E S2\" id=\"tr_205\">6 </span><span class=\"S47B0 S27E S2\" id=\"ts_205\">7 </span><span class=\"S47B1 S27E S2\" id=\"tt_205\">8 </span><span class=\"S47B2 S27E S2\" id=\"tu_205\">9 </span><span class=\"S47B3 S27E S2\" id=\"tv_205\">10 </span><span class=\"S47B4 S27D S2\" id=\"tw_205\">Consolidated adjusted profit after income tax for the year </span><span class=\"S47B5 S27D S2\" id=\"tx_205\">240,838 </span><span class=\"S47B6 S27D S2\" id=\"ty_205\">213,378 </span><span class=\"S47B7 S27D S2\" id=\"tz_205\">7,998 </span><span class=\"S47B8 S27D S2\" id=\"t10_205\">6,321 </span><span class=\"S47B9 S27D S2\" id=\"t11_205\">10,254 </span><span class=\"S47BA S27D S2\" id=\"t12_205\">2,887 </span><span class=\"S47BB S27D S2\" id=\"t13_205\">Profit before income tax </span><span class=\"S47BC S27D S2\" id=\"t14_205\">284,803 </span><span class=\"S47BD S27D S2\" id=\"t15_205\">253,972 </span><span class=\"S47BE S27D S2\" id=\"t16_205\">8,916 </span><span class=\"S47BF S27D S2\" id=\"t17_205\">7,138 </span><span class=\"S47C0 S27D S2\" id=\"t18_205\">11,777 </span><span class=\"S47C1 S27D S2\" id=\"t19_205\">3,000 </span><span class=\"S47C2 S27D S2\" id=\"t1a_205\">Adjusted operating profit </span><span class=\"S47C3 S27D S2\" id=\"t1b_205\">299,431 </span><span class=\"S47C4 S27D S2\" id=\"t1c_205\">256,151 </span><span class=\"S47C5 S27D S2\" id=\"t1d_205\">11,961 </span><span class=\"S47C6 S27D S2\" id=\"t1e_205\">7,141 </span><span class=\"S47C7 S27D S2\" id=\"t1f_205\">23,938 </span><span class=\"S47C8 S27D S2\" id=\"t1g_205\">240 </span><span class=\"S47C9 S27D S2\" id=\"t1h_205\">Adjusted total income </span><span class=\"S47CA S27D S2\" id=\"t1i_205\">632,013 </span><span class=\"S47CB S27D S2\" id=\"t1j_205\">545,185 </span><span class=\"S47CC S27D S2\" id=\"t1k_205\">23,291 </span><span class=\"S47CD S27D S2\" id=\"t1l_205\">11,064 </span><span class=\"S47CE S27D S2\" id=\"t1m_205\">51,213 </span><span class=\"S47CF S27D S2\" id=\"t1n_205\">1,260 </span><span class=\"S47D0 S27E S2\" id=\"t1o_205\">Adjusted net interest income </span><span class=\"S47D1 S27E S2\" id=\"t1p_205\">392,588 </span><span class=\"S47D2 S27E S2\" id=\"t1q_205\">369,309 </span><span class=\"S47D3 S27E S2\" id=\"t1r_205\">20,680 </span><span class=\"S47D4 S27E S2\" id=\"t1s_205\">4 </span><span class=\"S47D5 S27E S2\" id=\"t1t_205\">1,335 </span><span class=\"S4572 S27E S2\" id=\"t1u_205\">1,260 </span><span class=\"S47D6 S27E S2\" id=\"t1v_205\">Adjusted net profit </span><span class=\"S47D7 S27E S2\" id=\"t1w_205\">from fees and commissions </span><span class=\"S47D8 S27E S2\" id=\"t1x_205\">177,034 </span><span class=\"S47D9 S27E S2\" id=\"t1y_205\">150,578 </span><span class=\"S47DA S27E S2\" id=\"t1z_205\">116 </span><span class=\"S47DB S27E S2\" id=\"t20_205\">10,786 </span><span class=\"S47DC S27E S2\" id=\"t21_205\">15,554 </span><span class=\"S47DD S27E S2\" id=\"t22_205\">- </span><span class=\"S47DE S27E S2\" id=\"t23_205\">Adjusted other net non-interest income </span><span class=\"S47DF S27E S2\" id=\"t24_205\">62,391 </span><span class=\"S47E0 S27E S2\" id=\"t25_205\">25,298 </span><span class=\"S47E1 S27E S2\" id=\"t26_205\">2,495 </span><span class=\"S47E2 S27E S2\" id=\"t27_205\">274 </span><span class=\"S47E3 S27E S2\" id=\"t28_205\">34,324 </span><span class=\"S47E4 S27E S2\" id=\"t29_205\">- </span><span class=\"S47E5 S27D S2\" id=\"t2a_205\">Adjusted other administrative expenses </span><span class=\"S47E6 S27D S2\" id=\"t2b_205\">(332,582) </span><span class=\"S47E7 S27D S2\" id=\"t2c_205\">(289,034) </span><span class=\"S47E8 S27D S2\" id=\"t2d_205\">(11,330) </span><span class=\"S47E9 S27D S2\" id=\"t2e_205\">(3,923) </span><span class=\"S47EA S27D S2\" id=\"t2f_205\">(27,275) </span><span class=\"S458A S27D S2\" id=\"t2g_205\">(1,020) </span><span class=\"S47EB S27E S2\" id=\"t2h_205\">Personnel expenses </span><span class=\"S47EC S27E S2\" id=\"t2i_205\">(163,957) </span><span class=\"S47ED S27E S2\" id=\"t2j_205\">(143,234) </span><span class=\"S47EE S27E S2\" id=\"t2k_205\">(4,654) </span><span class=\"S47EF S27E S2\" id=\"t2l_205\">(2,443) </span><span class=\"S47F0 S27E S2\" id=\"t2m_205\">(13,531) </span><span class=\"S47F1 S27E S2\" id=\"t2n_205\">(95) </span><span class=\"S47F2 S27E S2\" id=\"t2o_205\">Depreciation and amortization </span><span class=\"S47F3 S27E S2\" id=\"t2p_205\">(42,088) </span><span class=\"S47F4 S27E S2\" id=\"t2q_205\">(36,926) </span><span class=\"S47F5 S27E S2\" id=\"t2r_205\">(1,428) </span><span class=\"S47F6 S27E S2\" id=\"t2s_205\">(231) </span><span class=\"S47F7 S27E S2\" id=\"t2t_205\">(3,501) </span><span class=\"S47F8 S27E S2\" id=\"t2u_205\">(2) </span><span class=\"S47F9 S27E S2\" id=\"t2v_205\">Other general expenses </span><span class=\"S47FA S27E S2\" id=\"t2w_205\">(126,537) </span><span class=\"S47FB S27E S2\" id=\"t2x_205\">(108,874) </span><span class=\"S47FC S27E S2\" id=\"t2y_205\">(5,248) </span><span class=\"S47FD S27E S2\" id=\"t2z_205\">(1,249) </span><span class=\"S47FE S27E S2\" id=\"t30_205\">(10,243) </span><span class=\"S47FF S27E S2\" id=\"t31_205\">(923) </span><span class=\"S4800 S27D S2\" id=\"t32_205\">Gains from derecognition of </span><span class=\"S4801 S27D S2\" id=\"t33_205\">financial assets at amortized cost </span><span class=\"S4802 S27D S2\" id=\"t34_205\">(1,791) </span><span class=\"S4803 S27D S2\" id=\"t35_205\">(1,598) </span><span class=\"S4804 S27D S2\" id=\"t36_205\">(193) </span><span class=\"S4805 S27D S2\" id=\"t37_205\">- </span><span class=\"S4806 S27D S2\" id=\"t38_205\">- </span><span class=\"S4807 S27D S2\" id=\"t39_205\">- </span><span class=\"S4808 S27D S2\" id=\"t3a_205\">Modification loss </span><span class=\"S4809 S27D S2\" id=\"t3b_205\">(3,397) </span><span class=\"S480A S27D S2\" id=\"t3c_205\">(3,397) </span><span class=\"S480B S27D S2\" id=\"t3d_205\">- </span><span class=\"S480C S27D S2\" id=\"t3e_205\">- </span><span class=\"S480D S27D S2\" id=\"t3f_205\">- </span><span class=\"S480E S27D S2\" id=\"t3g_205\">- </span><span class=\"S480F S27D S2\" id=\"t3h_205\">Total risk costs </span><span class=\"S4810 S27D S2\" id=\"t3i_205\">(9,440) </span><span class=\"S4811 S27D S2\" id=\"t3j_205\">2,816 </span><span class=\"S4812 S27D S2\" id=\"t3k_205\">(2,852) </span><span class=\"S4813 S27D S2\" id=\"t3l_205\">(3) </span><span class=\"S4814 S27D S2\" id=\"t3m_205\">(12,161) </span><span class=\"S4815 S27D S2\" id=\"t3n_205\">2,760 </span><span class=\"S4816 S27E S2\" id=\"t3o_205\">Adjusted loss allowance on </span><span class=\"S4817 S27E S2\" id=\"t3p_205\">financial assets and liabilities </span><span class=\"S4818 S27E S2\" id=\"t3q_205\">(without the effect of revaluation of FX) </span><span class=\"S4819 S27E S2\" id=\"t3r_205\">2,010 </span><span class=\"S481A S27E S2\" id=\"t3s_205\">4,910 </span><span class=\"S481B S27E S2\" id=\"t3t_205\">(2,900) </span><span class=\"S481C S27E S2\" id=\"t3u_205\">- </span><span class=\"S481D S27E S2\" id=\"t3v_205\">- </span><span class=\"S481E S27E S2\" id=\"t3w_205\">- </span><span class=\"S481F S27E S2\" id=\"t3x_205\">Other impairment (adjustment) </span><span class=\"S4820 S27E S2\" id=\"t3y_205\">(11,450) </span><span class=\"S4821 S27E S2\" id=\"t3z_205\">(2,094) </span><span class=\"S4822 S27E S2\" id=\"t40_205\">48 </span><span class=\"S4823 S27E S2\" id=\"t41_205\">(3) </span><span class=\"S4824 S27E S2\" id=\"t42_205\">(12,161) </span><span class=\"S4825 S27E S2\" id=\"t43_205\">2,760 </span><span class=\"S4826 S27E S2\" id=\"t44_205\">from this: adjusted impairment under IAS 36 </span><span class=\"S4827 S27E S2\" id=\"t45_205\">(6,190) </span><span class=\"S4828 S27E S2\" id=\"t46_205\">70 </span><span class=\"S4829 S27E S2\" id=\"t47_205\">179 </span><span class=\"S482A S27E S2\" id=\"t48_205\">(14) </span><span class=\"S482B S27E S2\" id=\"t49_205\">(6,425) </span><span class=\"S482C S27E S2\" id=\"t4a_205\">- </span><span class=\"S482D S27D S2\" id=\"t4b_205\">Income tax </span><span class=\"S482E S27D S2\" id=\"t4c_205\">(43,965) </span><span class=\"S482F S27D S2\" id=\"t4d_205\">(40,594) </span><span class=\"S4830 S27D S2\" id=\"t4e_205\">(918) </span><span class=\"S4831 S27D S2\" id=\"t4f_205\">(817) </span><span class=\"S4832 S27D S2\" id=\"t4g_205\">(1,523) </span><span class=\"S4833 S27D S2\" id=\"t4h_205\">(113) </span><span class=\"S4834 S27D S2\" id=\"t4i_205\">Total Assets </span><span class=\"S4835 S27D S2\" id=\"t4j_205\">18,637,440 </span><span class=\"S4836 S27D S2\" id=\"t4k_205\">14,205,354 </span><span class=\"S4837 S27D S2\" id=\"t4l_205\">782,222 </span><span class=\"S4838 S27D S2\" id=\"t4m_205\">27,753 </span><span class=\"S4839 S27D S2\" id=\"t4n_205\">512,742 </span><span class=\"S45CE S27D S2\" id=\"t4o_205\">3,109,369 </span><span class=\"S483A S27D S2\" id=\"t4p_205\">Total Liabilities </span><span class=\"S483B S27D S2\" id=\"t4q_205\">14,861,117 </span><span class=\"S483C S27D S2\" id=\"t4r_205\">12,195,467 </span><span class=\"S483D S27D S2\" id=\"t4s_205\">722,976 </span><span class=\"S483E S27D S2\" id=\"t4t_205\">12,610 </span><span class=\"S483F S27D S2\" id=\"t4u_205\">236,701 </span><span class=\"S4840 S27D S2\" id=\"t4v_205\">1,693,363 </span><span class=\"S4841 S483 S2\" id=\"t4w_205\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_206\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_206\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S436E S603 S2\" id=\"t5_206\">Information regarding the Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t6_206\">As at 31 December 2021 [continued] </span><span class=\"S4842 S27D S2\" id=\"t7_206\">Main components of the consolidated statement of profit or loss in </span><span class=\"S453C S27D S2\" id=\"t8_206\">HUF million [continued] </span><span class=\"S453D S27D S2\" id=\"t9_206\">Foreign banks in EU </span><span class=\"S453E S27D S2\" id=\"ta_206\">subtotal (without </span><span class=\"S453F S27D S2\" id=\"tb_206\">adjustments) </span><span class=\"S4540 S27E S2\" id=\"tc_206\">DSK Bank AD </span><span class=\"S4541 S27E S2\" id=\"td_206\">(Bulgaria) </span><span class=\"S4542 S27E S2\" id=\"te_206\">OTP banka d.d. </span><span class=\"S4543 S27E S2\" id=\"tf_206\">(Croatia) </span><span class=\"S4544 S27E S2\" id=\"tg_206\">SKB Banka d.d. </span><span class=\"S4545 S27E S2\" id=\"th_206\">(Slovenia) </span><span class=\"S4546 S27E S2\" id=\"ti_206\">OTP Bank </span><span class=\"S4547 S27E S2\" id=\"tj_206\">Romania S.A. </span><span class=\"S4548 S27E S2\" id=\"tk_206\">(Romania) </span><span class=\"S4549 S453A S2\" id=\"tl_206\">3=11+\u2026+14 </span><span class=\"S454A S27E S2\" id=\"tm_206\">11 </span><span class=\"S454B S27E S2\" id=\"tn_206\">12 </span><span class=\"S454C S27E S2\" id=\"to_206\">13 </span><span class=\"S454D S27E S2\" id=\"tp_206\">14 </span><span class=\"S454E S27D S2\" id=\"tq_206\">Consolidated adjusted profit after income tax for the year </span><span class=\"S454F S27D S2\" id=\"tr_206\">131,309 </span><span class=\"S4843 S27D S2\" id=\"ts_206\">76,789 </span><span class=\"S4551 S27D S2\" id=\"tt_206\">33,446 </span><span class=\"S4552 S27D S2\" id=\"tu_206\">16,822 </span><span class=\"S4553 S27D S2\" id=\"tv_206\">4,252 </span><span class=\"S4554 S27D S2\" id=\"tw_206\">Profit before income tax </span><span class=\"S4555 S27D S2\" id=\"tx_206\">152,663 </span><span class=\"S4844 S27D S2\" id=\"ty_206\">85,243 </span><span class=\"S4557 S27D S2\" id=\"tz_206\">41,064 </span><span class=\"S4558 S27D S2\" id=\"t10_206\">20,660 </span><span class=\"S4559 S27D S2\" id=\"t11_206\">5,696 </span><span class=\"S455A S27D S2\" id=\"t12_206\">Adjusted operating profit </span><span class=\"S455B S27D S2\" id=\"t13_206\">178,192 </span><span class=\"S455C S27D S2\" id=\"t14_206\">106,240 </span><span class=\"S455D S27D S2\" id=\"t15_206\">43,421 </span><span class=\"S455E S27D S2\" id=\"t16_206\">19,595 </span><span class=\"S47BA S27D S2\" id=\"t17_206\">8,936 </span><span class=\"S4560 S27D S2\" id=\"t18_206\">Adjusted total income </span><span class=\"S4561 S27D S2\" id=\"t19_206\">356,257 </span><span class=\"S4562 S27D S2\" id=\"t1a_206\">178,470 </span><span class=\"S4845 S27D S2\" id=\"t1b_206\">88,735 </span><span class=\"S4564 S27D S2\" id=\"t1c_206\">42,354 </span><span class=\"S4565 S27D S2\" id=\"t1d_206\">46,698 </span><span class=\"S4566 S27E S2\" id=\"t1e_206\">Adjusted net interest income </span><span class=\"S4567 S27E S2\" id=\"t1f_206\">237,745 </span><span class=\"S4568 S27E S2\" id=\"t1g_206\">112,869 </span><span class=\"S4569 S27E S2\" id=\"t1h_206\">60,933 </span><span class=\"S456A S27E S2\" id=\"t1i_206\">27,673 </span><span class=\"S456B S27E S2\" id=\"t1j_206\">36,270 </span><span class=\"S456C S27E S2\" id=\"t1k_206\">Adjusted net profit </span><span class=\"S456D S27E S2\" id=\"t1l_206\">from fees and commissions </span><span class=\"S4846 S27E S2\" id=\"t1m_206\">90,092 </span><span class=\"S456F S27E S2\" id=\"t1n_206\">54,508 </span><span class=\"S4570 S27E S2\" id=\"t1o_206\">18,183 </span><span class=\"S4571 S27E S2\" id=\"t1p_206\">13,258 </span><span class=\"S4572 S27E S2\" id=\"t1q_206\">4,143 </span><span class=\"S4573 S27E S2\" id=\"t1r_206\">Adjusted other net non-interest income </span><span class=\"S4574 S27E S2\" id=\"t1s_206\">28,420 </span><span class=\"S4575 S27E S2\" id=\"t1t_206\">11,093 </span><span class=\"S4576 S27E S2\" id=\"t1u_206\">9,619 </span><span class=\"S4577 S27E S2\" id=\"t1v_206\">1,423 </span><span class=\"S4578 S27E S2\" id=\"t1w_206\">6,285 </span><span class=\"S4579 S27D S2\" id=\"t1x_206\">Adjusted other administrative expenses </span><span class=\"S457A S27D S2\" id=\"t1y_206\">(178,065) </span><span class=\"S457B S27D S2\" id=\"t1z_206\">(72,230) </span><span class=\"S457C S27D S2\" id=\"t20_206\">(45,314) </span><span class=\"S457D S27D S2\" id=\"t21_206\">(22,759) </span><span class=\"S457E S27D S2\" id=\"t22_206\">(37,762) </span><span class=\"S457F S27E S2\" id=\"t23_206\">Personnel expenses </span><span class=\"S4847 S27E S2\" id=\"t24_206\">(91,350) </span><span class=\"S4581 S27E S2\" id=\"t25_206\">(34,284) </span><span class=\"S4582 S27E S2\" id=\"t26_206\">(23,111) </span><span class=\"S4583 S27E S2\" id=\"t27_206\">(13,015) </span><span class=\"S4584 S27E S2\" id=\"t28_206\">(20,940) </span><span class=\"S4585 S27E S2\" id=\"t29_206\">Depreciation and amortization </span><span class=\"S4586 S27E S2\" id=\"t2a_206\">(16,383) </span><span class=\"S4587 S27E S2\" id=\"t2b_206\">(7,160) </span><span class=\"S4588 S27E S2\" id=\"t2c_206\">(4,392) </span><span class=\"S4589 S27E S2\" id=\"t2d_206\">(1,350) </span><span class=\"S458A S27E S2\" id=\"t2e_206\">(3,481) </span><span class=\"S458B S27E S2\" id=\"t2f_206\">Other general expenses </span><span class=\"S458C S27E S2\" id=\"t2g_206\">(70,332) </span><span class=\"S458D S27E S2\" id=\"t2h_206\">(30,786) </span><span class=\"S458E S27E S2\" id=\"t2i_206\">(17,811) </span><span class=\"S4848 S27E S2\" id=\"t2j_206\">(8,394) </span><span class=\"S4590 S27E S2\" id=\"t2k_206\">(13,341) </span><span class=\"S4591 S27D S2\" id=\"t2l_206\">Gains from derecognition of </span><span class=\"S4592 S27D S2\" id=\"t2m_206\">financial assets at amortized cost </span><span class=\"S4593 S27D S2\" id=\"t2n_206\">1,814 </span><span class=\"S4594 S27D S2\" id=\"t2o_206\">1,893 </span><span class=\"S4849 S27D S2\" id=\"t2p_206\">1,449 </span><span class=\"S4596 S27D S2\" id=\"t2q_206\">- </span><span class=\"S484A S27D S2\" id=\"t2r_206\">(1,528) </span><span class=\"S4598 S27D S2\" id=\"t2s_206\">Modification loss </span><span class=\"S484B S27D S2\" id=\"t2t_206\">(14) </span><span class=\"S459A S27D S2\" id=\"t2u_206\">- </span><span class=\"S459B S27D S2\" id=\"t2v_206\">- </span><span class=\"S484C S27D S2\" id=\"t2w_206\">(14) </span><span class=\"S459D S27D S2\" id=\"t2x_206\">- </span><span class=\"S459E S27D S2\" id=\"t2y_206\">Total risk costs </span><span class=\"S459F S27D S2\" id=\"t2z_206\">(27,329) </span><span class=\"S45A0 S27D S2\" id=\"t30_206\">(22,890) </span><span class=\"S484D S27D S2\" id=\"t31_206\">(3,806) </span><span class=\"S45A2 S27D S2\" id=\"t32_206\">1,079 </span><span class=\"S484E S27D S2\" id=\"t33_206\">(1,712) </span><span class=\"S45A4 S27E S2\" id=\"t34_206\">Adjusted loss allowance on </span><span class=\"S45A5 S27E S2\" id=\"t35_206\">financial assets and liabilities </span><span class=\"S45A6 S27E S2\" id=\"t36_206\">(without the effect of revaluation of FX) </span><span class=\"S484F S27E S2\" id=\"t37_206\">(23,973) </span><span class=\"S45A8 S27E S2\" id=\"t38_206\">(20,831) </span><span class=\"S4850 S27E S2\" id=\"t39_206\">318 </span><span class=\"S45AA S27E S2\" id=\"t3a_206\">1,833 </span><span class=\"S4851 S27E S2\" id=\"t3b_206\">(5,293) </span><span class=\"S4852 S27E S2\" id=\"t3c_206\">Other impairment (adjustment) </span><span class=\"S4853 S27E S2\" id=\"t3d_206\">(3,356) </span><span class=\"S4854 S27E S2\" id=\"t3e_206\">(2,059) </span><span class=\"S4855 S27E S2\" id=\"t3f_206\">(4,124) </span><span class=\"S4856 S27E S2\" id=\"t3g_206\">(754) </span><span class=\"S4857 S27E S2\" id=\"t3h_206\">3,581 </span><span class=\"S4858 S27E S2\" id=\"t3i_206\">from this: adjusted impairment under IAS 36 </span><span class=\"S45B2 S27E S2\" id=\"t3j_206\">(3,001) </span><span class=\"S4859 S27E S2\" id=\"t3k_206\">(2,401) </span><span class=\"S485A S27E S2\" id=\"t3l_206\">(135) </span><span class=\"S485B S27E S2\" id=\"t3m_206\">- </span><span class=\"S485C S27E S2\" id=\"t3n_206\">(465) </span><span class=\"S485D S27D S2\" id=\"t3o_206\">Income tax </span><span class=\"S485E S27D S2\" id=\"t3p_206\">(21,354) </span><span class=\"S485F S27D S2\" id=\"t3q_206\">(8,454) </span><span class=\"S4860 S27D S2\" id=\"t3r_206\">(7,618) </span><span class=\"S4861 S27D S2\" id=\"t3s_206\">(3,838) </span><span class=\"S4862 S27D S2\" id=\"t3t_206\">(1,444) </span><span class=\"S4863 S27D S2\" id=\"t3u_206\">Total Assets </span><span class=\"S4864 S27D S2\" id=\"t3v_206\">10,075,267 </span><span class=\"S4865 S27D S2\" id=\"t3w_206\">4,627,132 </span><span class=\"S4866 S27D S2\" id=\"t3x_206\">2,576,445 </span><span class=\"S4867 S27D S2\" id=\"t3y_206\">1,433,206 </span><span class=\"S4868 S27D S2\" id=\"t3z_206\">1,438,484 </span><span class=\"S4869 S27D S2\" id=\"t40_206\">Total Liabilities </span><span class=\"S486A S27D S2\" id=\"t41_206\">8,680,440 </span><span class=\"S45C5 S27D S2\" id=\"t42_206\">3,927,757 </span><span class=\"S45C6 S27D S2\" id=\"t43_206\">2,225,422 </span><span class=\"S45C7 S27D S2\" id=\"t44_206\">1,253,691 </span><span class=\"S45C8 S27D S2\" id=\"t45_206\">1,273,570 </span><span class=\"S486B S483 S2\" id=\"t46_206\">( ) used at: provisions, impairment and expenses </span><span class=\"S1123 SB S2\" id=\"t3_207\">NOTE 49: </span><span class=\"S43AB SB S2\" id=\"t4_207\">SEGMENT REPORTING BY BUSINESS AND GEOGRAPHICAL SEGMENTS (in HUF mn) [continued] </span><span class=\"S45D0 SB S2\" id=\"t5_207\">Information regarding the </span><span class=\"S45D1 S603 S2\" id=\"t6_207\">Group\u2019s reportable segments is presented below [continued]: </span><span class=\"S43AC SB S2\" id=\"t7_207\">As at 31 December 2021 [continued] </span><span class=\"S486C SC43 S2\" id=\"t8_207\">Main components of the consolidated statement of profit or loss in </span><span class=\"S486D SC43 S2\" id=\"t9_207\">HUF million [continued] </span><span class=\"S486E SC43 S2\" id=\"ta_207\">Foreign banks not in EU </span><span class=\"S486F SC43 S2\" id=\"tb_207\">subtotal (without </span><span class=\"S4870 SC43 S2\" id=\"tc_207\">adjustments) </span><span class=\"S4871 S483 S2\" id=\"td_207\">OTP banka </span><span class=\"S4872 S483 S2\" id=\"te_207\">Srbija a.d. </span><span class=\"S4873 S483 S2\" id=\"tf_207\">(Serbia) </span><span class=\"S4874 S483 S2\" id=\"tg_207\">OTP Bank </span><span class=\"S4875 S483 S2\" id=\"th_207\">JSC </span><span class=\"S4876 S483 S2\" id=\"ti_207\">(Ukraine) </span><span class=\"S4877 S483 S2\" id=\"tj_207\">JSC \"OTP </span><span class=\"S4878 S483 S2\" id=\"tk_207\">Bank\" (Russia) </span><span class=\"S4879 S483 S2\" id=\"tl_207\">and Touch Bank </span><span class=\"S487A S483 S2\" id=\"tm_207\">Crnogorska </span><span class=\"S487B S483 S2\" id=\"tn_207\">komercijalna banka </span><span class=\"S487C S483 S2\" id=\"to_207\">a.d. (Montenegro) </span><span class=\"S487D S483 S2\" id=\"tp_207\">Banka OTP </span><span class=\"S487E S483 S2\" id=\"tq_207\">Albania SHA </span><span class=\"S487F S483 S2\" id=\"tr_207\">(Albania) </span><span class=\"S4880 S483 S2\" id=\"ts_207\">OTP Bank </span><span class=\"S4881 S483 S2\" id=\"tt_207\">S.A. </span><span class=\"S4882 S483 S2\" id=\"tu_207\">(Moldova) </span><span class=\"S4883 S469C S2\" id=\"tv_207\">4=15+\u2026+20 </span><span class=\"S4884 S483 S2\" id=\"tw_207\">15 </span><span class=\"S4885 S483 S2\" id=\"tx_207\">16 </span><span class=\"S4886 S483 S2\" id=\"ty_207\">17 </span><span class=\"S4887 S483 S2\" id=\"tz_207\">18 </span><span class=\"S4888 S483 S2\" id=\"t10_207\">19 </span><span class=\"S4889 S483 S2\" id=\"t11_207\">20 </span><span class=\"S488A SC43 S2\" id=\"t12_207\">Consolidated adjusted profit after income tax for the year </span><span class=\"S488B SC43 S2\" id=\"t13_207\">124,272 </span><span class=\"S488C SC43 S2\" id=\"t14_207\">32,104 </span><span class=\"S488D SC43 S2\" id=\"t15_207\">39,025 </span><span class=\"S488E SC43 S2\" id=\"t16_207\">37,624 </span><span class=\"S488F SC43 S2\" id=\"t17_207\">4,139 </span><span class=\"S4890 SC43 S2\" id=\"t18_207\">5,521 </span><span class=\"S4151 SC43 S2\" id=\"t19_207\">5,859 </span><span class=\"S4891 SC43 S2\" id=\"t1a_207\">Profit before income tax </span><span class=\"S4892 SC43 S2\" id=\"t1b_207\">148,419 </span><span class=\"S4893 SC43 S2\" id=\"t1c_207\">35,714 </span><span class=\"S4894 SC43 S2\" id=\"t1d_207\">47,267 </span><span class=\"S4895 SC43 S2\" id=\"t1e_207\">47,314 </span><span class=\"S4896 SC43 S2\" id=\"t1f_207\">4,956 </span><span class=\"S4897 SC43 S2\" id=\"t1g_207\">6,507 </span><span class=\"S4898 SC43 S2\" id=\"t1h_207\">6,661 </span><span class=\"S4899 SC43 S2\" id=\"t1i_207\">Adjusted operating profit </span><span class=\"S489A SC43 S2\" id=\"t1j_207\">183,171 </span><span class=\"S489B SC43 S2\" id=\"t1k_207\">40,754 </span><span class=\"S489C SC43 S2\" id=\"t1l_207\">54,761 </span><span class=\"S489D SC43 S2\" id=\"t1m_207\">62,368 </span><span class=\"S489E SC43 S2\" id=\"t1n_207\">10,240 </span><span class=\"S489F SC43 S2\" id=\"t1o_207\">7,212 </span><span class=\"S48A0 SC43 S2\" id=\"t1p_207\">7,836 </span><span class=\"S48A1 SC43 S2\" id=\"t1q_207\">Adjusted total income </span><span class=\"S48A2 SC43 S2\" id=\"t1r_207\">335,934 </span><span class=\"S48A3 SC43 S2\" id=\"t1s_207\">83,493 </span><span class=\"S48A4 SC43 S2\" id=\"t1t_207\">83,567 </span><span class=\"S48A5 SC43 S2\" id=\"t1u_207\">118,158 </span><span class=\"S48A6 SC43 S2\" id=\"t1v_207\">22,046 </span><span class=\"S48A7 SC43 S2\" id=\"t1w_207\">13,398 </span><span class=\"S48A8 SC43 S2\" id=\"t1x_207\">15,272 </span><span class=\"S48A9 S483 S2\" id=\"t1y_207\">Adjusted net interest income </span><span class=\"S48AA S483 S2\" id=\"t1z_207\">252,782 </span><span class=\"S48AB S483 S2\" id=\"t20_207\">62,497 </span><span class=\"S48AC S483 S2\" id=\"t21_207\">62,051 </span><span class=\"S48AD S483 S2\" id=\"t22_207\">91,364 </span><span class=\"S48AE S483 S2\" id=\"t23_207\">16,553 </span><span class=\"S48AF S483 S2\" id=\"t24_207\">10,619 </span><span class=\"S48B0 S483 S2\" id=\"t25_207\">9,698 </span><span class=\"S48B1 S483 S2\" id=\"t26_207\">Adjusted net profit </span><span class=\"S48B2 S483 S2\" id=\"t27_207\">from fees and commissions </span><span class=\"S48B3 S483 S2\" id=\"t28_207\">63,699 </span><span class=\"S48B4 S483 S2\" id=\"t29_207\">14,410 </span><span class=\"S48B5 S483 S2\" id=\"t2a_207\">14,494 </span><span class=\"S48B6 S483 S2\" id=\"t2b_207\">25,728 </span><span class=\"S48B7 S483 S2\" id=\"t2c_207\">4,880 </span><span class=\"S48B8 S483 S2\" id=\"t2d_207\">1,843 </span><span class=\"S48B9 S483 S2\" id=\"t2e_207\">2,344 </span><span class=\"S48BA S483 S2\" id=\"t2f_207\">Adjusted other net non-interest income </span><span class=\"S48BB S483 S2\" id=\"t2g_207\">19,453 </span><span class=\"S48BC S483 S2\" id=\"t2h_207\">6,586 </span><span class=\"S48BD S483 S2\" id=\"t2i_207\">7,022 </span><span class=\"S48BE S483 S2\" id=\"t2j_207\">1,066 </span><span class=\"S48BF S483 S2\" id=\"t2k_207\">613 </span><span class=\"S48C0 S483 S2\" id=\"t2l_207\">936 </span><span class=\"S48C1 S483 S2\" id=\"t2m_207\">3,230 </span><span class=\"S48C2 SC43 S2\" id=\"t2n_207\">Adjusted other administrative expenses </span><span class=\"S48C3 SC43 S2\" id=\"t2o_207\">(152,763) </span><span class=\"S48C4 SC43 S2\" id=\"t2p_207\">(42,739) </span><span class=\"S48C5 SC43 S2\" id=\"t2q_207\">(28,806) </span><span class=\"S48C6 SC43 S2\" id=\"t2r_207\">(55,790) </span><span class=\"S48C7 SC43 S2\" id=\"t2s_207\">(11,806) </span><span class=\"S48C8 SC43 S2\" id=\"t2t_207\">(6,186) </span><span class=\"S48C9 SC43 S2\" id=\"t2u_207\">(7,436) </span><span class=\"S48CA S483 S2\" id=\"t2v_207\">Personnel expenses </span><span class=\"S48CB S483 S2\" id=\"t2w_207\">(85,606) </span><span class=\"S48CC S483 S2\" id=\"t2x_207\">(22,569) </span><span class=\"S48CD S483 S2\" id=\"t2y_207\">(16,580) </span><span class=\"S48CE S483 S2\" id=\"t2z_207\">(33,773) </span><span class=\"S48CF S483 S2\" id=\"t30_207\">(5,805) </span><span class=\"S48D0 S483 S2\" id=\"t31_207\">(2,794) </span><span class=\"S48D1 S483 S2\" id=\"t32_207\">(4,085) </span><span class=\"S48D2 S483 S2\" id=\"t33_207\">Depreciation and amortization </span><span class=\"S48D3 S483 S2\" id=\"t34_207\">(13,966) </span><span class=\"S48D4 S483 S2\" id=\"t35_207\">(2,820) </span><span class=\"S48D5 S483 S2\" id=\"t36_207\">(2,131) </span><span class=\"S48D6 S483 S2\" id=\"t37_207\">(6,263) </span><span class=\"S48D7 S483 S2\" id=\"t38_207\">(1,461) </span><span class=\"S48D8 S483 S2\" id=\"t39_207\">(559) </span><span class=\"S48D9 S483 S2\" id=\"t3a_207\">(732) </span><span class=\"S48DA S483 S2\" id=\"t3b_207\">Other general expenses </span><span class=\"S48DB S483 S2\" id=\"t3c_207\">(53,191) </span><span class=\"S48DC S483 S2\" id=\"t3d_207\">(17,350) </span><span class=\"S48DD S483 S2\" id=\"t3e_207\">(10,095) </span><span class=\"S48DE S483 S2\" id=\"t3f_207\">(15,754) </span><span class=\"S48DF S483 S2\" id=\"t3g_207\">(4,540) </span><span class=\"S48E0 S483 S2\" id=\"t3h_207\">(2,833) </span><span class=\"S48E1 S483 S2\" id=\"t3i_207\">(2,619) </span><span class=\"S48E2 SC43 S2\" id=\"t3j_207\">Gains from derecognition of </span><span class=\"S48E3 SC43 S2\" id=\"t3k_207\">financial assets at amortized cost </span><span class=\"S48E4 SC43 S2\" id=\"t3l_207\">1,862 </span><span class=\"S48E5 SC43 S2\" id=\"t3m_207\">554 </span><span class=\"S48E6 SC43 S2\" id=\"t3n_207\">916 </span><span class=\"S48E7 SC43 S2\" id=\"t3o_207\">467 </span><span class=\"S48E8 SC43 S2\" id=\"t3p_207\">(31) </span><span class=\"S48E9 SC43 S2\" id=\"t3q_207\">(33) </span><span class=\"S48EA SC43 S2\" id=\"t3r_207\">(11) </span><span class=\"S48EB SC43 S2\" id=\"t3s_207\">Modification loss </span><span class=\"S48EC SC43 S2\" id=\"t3t_207\">(130) </span><span class=\"S48ED SC43 S2\" id=\"t3u_207\">- </span><span class=\"S48EE SC43 S2\" id=\"t3v_207\">(130) </span><span class=\"S48EF SC43 S2\" id=\"t3w_207\">- </span><span class=\"S48F0 SC43 S2\" id=\"t3x_207\">- </span><span class=\"S48F1 SC43 S2\" id=\"t3y_207\">- </span><span class=\"S48F2 SC43 S2\" id=\"t3z_207\">- </span><span class=\"S48F3 SC43 S2\" id=\"t40_207\">Total risk costs </span><span class=\"S48F4 SC43 S2\" id=\"t41_207\">(36,484) </span><span class=\"S48F5 SC43 S2\" id=\"t42_207\">(5,594) </span><span class=\"S48F6 SC43 S2\" id=\"t43_207\">(8,280) </span><span class=\"S48F7 SC43 S2\" id=\"t44_207\">(15,521) </span><span class=\"S48F8 SC43 S2\" id=\"t45_207\">(5,253) </span><span class=\"S48F9 SC43 S2\" id=\"t46_207\">(672) </span><span class=\"S48FA SC43 S2\" id=\"t47_207\">(1,164) </span><span class=\"S48FB S483 S2\" id=\"t48_207\">Adjusted loss allowance on </span><span class=\"S48FC S483 S2\" id=\"t49_207\">financial assets and liabilities </span><span class=\"S48FD S483 S2\" id=\"t4a_207\">(without the effect of revaluation of FX) </span><span class=\"S48FE S483 S2\" id=\"t4b_207\">(21,918) </span><span class=\"S48FF S483 S2\" id=\"t4c_207\">(941) </span><span class=\"S4900 S483 S2\" id=\"t4d_207\">(6,613) </span><span class=\"S4901 S483 S2\" id=\"t4e_207\">(13,542) </span><span class=\"S4902 S483 S2\" id=\"t4f_207\">677 </span><span class=\"S4903 S483 S2\" id=\"t4g_207\">(847) </span><span class=\"S4904 S483 S2\" id=\"t4h_207\">(652) </span><span class=\"S4905 S483 S2\" id=\"t4i_207\">Other impairment (adjustment) </span><span class=\"S4906 S483 S2\" id=\"t4j_207\">(14,566) </span><span class=\"S4907 S483 S2\" id=\"t4k_207\">(4,653) </span><span class=\"S4908 S483 S2\" id=\"t4l_207\">(1,667) </span><span class=\"S4909 S483 S2\" id=\"t4m_207\">(1,979) </span><span class=\"S490A S483 S2\" id=\"t4n_207\">(5,930) </span><span class=\"S490B S483 S2\" id=\"t4o_207\">175 </span><span class=\"S490C S483 S2\" id=\"t4p_207\">(512) </span><span class=\"S490D S483 S2\" id=\"t4q_207\">from this: adjusted impairment under IAS 36 </span><span class=\"S490E S483 S2\" id=\"t4r_207\">(274) </span><span class=\"S490F S483 S2\" id=\"t4s_207\">(245) </span><span class=\"S4910 S483 S2\" id=\"t4t_207\">(3) </span><span class=\"S4911 S483 S2\" id=\"t4u_207\">24 </span><span class=\"S4912 S483 S2\" id=\"t4v_207\">(51) </span><span class=\"S4913 S483 S2\" id=\"t4w_207\">1 </span><span class=\"S4914 S483 S2\" id=\"t4x_207\">- </span><span class=\"S4915 SC43 S2\" id=\"t4y_207\">Income tax </span><span class=\"S4916 SC43 S2\" id=\"t4z_207\">(24,147) </span><span class=\"S4917 SC43 S2\" id=\"t50_207\">(3,610) </span><span class=\"S4918 SC43 S2\" id=\"t51_207\">(8,242) </span><span class=\"S4919 SC43 S2\" id=\"t52_207\">(9,690) </span><span class=\"S491A SC43 S2\" id=\"t53_207\">(817) </span><span class=\"S491B SC43 S2\" id=\"t54_207\">(986) </span><span class=\"S491C SC43 S2\" id=\"t55_207\">(802) </span><span class=\"S491D SC43 S2\" id=\"t56_207\">Total Assets </span><span class=\"S491E SC43 S2\" id=\"t57_207\">5,183,118 </span><span class=\"S491F SC43 S2\" id=\"t58_207\">2,224,715 </span><span class=\"S4920 SC43 S2\" id=\"t59_207\">983,557 </span><span class=\"S4921 SC43 S2\" id=\"t5a_207\">799,965 </span><span class=\"S4922 SC43 S2\" id=\"t5b_207\">513,522 </span><span class=\"S4923 SC43 S2\" id=\"t5c_207\">350,848 </span><span class=\"S4924 SC43 S2\" id=\"t5d_207\">310,511 </span><span class=\"S4925 SC43 S2\" id=\"t5e_207\">Total Liabilities </span><span class=\"S4926 SC43 S2\" id=\"t5f_207\">4,316,145 </span><span class=\"S4927 SC43 S2\" id=\"t5g_207\">1,918,085 </span><span class=\"S4928 SC43 S2\" id=\"t5h_207\">823,801 </span><span class=\"S4929 SC43 S2\" id=\"t5i_207\">559,241 </span><span class=\"S492A SC43 S2\" id=\"t5j_207\">431,495 </span><span class=\"S492B SC43 S2\" id=\"t5k_207\">315,713 </span><span class=\"S492C SC43 S2\" id=\"t5l_207\">267,810 </span><span class=\"S492D S483 S2\" id=\"t5m_207\">( ) used at: provisions, impairment and expenses </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f24843": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_208\">NOTE 50: </span><span class=\"S1BAC SB S2\" id=\"t4_208\">ASSET CLASSIFIED AS HELD-FOR-SALE AND DISCONTINUED OPERATIONS (in </span><span class=\"SEDE SB S2\" id=\"t5_208\">HUF mn) </span><span class=\"S492E SB S2\" id=\"t6_208\">Discontinued operation </span><span class=\"S719 SA7 S2\" id=\"t7_208\">The Serbian Pevec d.o.o. Beograd company as the investment of OTP Factoring Ltd. was classified as asset held- </span><span class=\"S492F SA7 S2\" id=\"t8_208\">for-sale by the Group as at 31 December, 2021. This investment was not revalued in the Consolidated Financial </span><span class=\"S4930 SA7 S2\" id=\"t9_208\">Statements. Classification as asset held-for-sale was needed due to the purchase agreement had been concluded </span><span class=\"S4931 SA7 S2\" id=\"ta_208\">already in 2021 for the real estates in the ownership of Pevec. In the first half year of 2022, the purchase price was </span><span class=\"S4932 SA7 S2\" id=\"tb_208\">paid out and the transfer of ownership happened. The purchase price of the sold real estate was EUR 9,918,995. </span><span class=\"S4933 S5B9 S2\" id=\"tc_208\">the estimated value of those real estates which weren\u2019t sold was defined in the amount of EUR 300,000 by a value </span><span class=\"S4934 SA7 S2\" id=\"td_208\">assessment in January 2021. These assets which were classified as held-for-sale in the amount of HUF 2,046 </span><span class=\"S4935 SA7 S2\" id=\"te_208\">million at the end of 31 December 2021 were eliminated during the first half year of 2022 from these Consolidated </span><span class=\"S2ABE SA7 S2\" id=\"tf_208\">Financial Statements. </span><span class=\"S4322 SB S2\" id=\"tg_208\">Asset classified as held-for-sale </span><span class=\"S4936 S5B9 S2\" id=\"th_208\">On 2 November 2022, the Group sold its share in the associated company Sz\u00e1ll\u00e1s.hu Zrt. to the Polish Wirtualna </span><span class=\"S4937 SA7 S2\" id=\"ti_208\">Polska Media S.A. The whole company was sold for EUR 83 million. The Group's gain recognized in the year </span><span class=\"S4938 SA7 S2\" id=\"tj_208\">under review related to the transaction was HUF 10,458 million, which is presented in the Other income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f24844": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_208\">NOTE 50: </span><span class=\"S1BAC SB S2\" id=\"t4_208\">ASSET CLASSIFIED AS HELD-FOR-SALE AND DISCONTINUED OPERATIONS (in </span><span class=\"SEDE SB S2\" id=\"t5_208\">HUF mn) </span><span class=\"S492E SB S2\" id=\"t6_208\">Discontinued operation </span><span class=\"S719 SA7 S2\" id=\"t7_208\">The Serbian Pevec d.o.o. Beograd company as the investment of OTP Factoring Ltd. was classified as asset held- </span><span class=\"S492F SA7 S2\" id=\"t8_208\">for-sale by the Group as at 31 December, 2021. This investment was not revalued in the Consolidated Financial </span><span class=\"S4930 SA7 S2\" id=\"t9_208\">Statements. Classification as asset held-for-sale was needed due to the purchase agreement had been concluded </span><span class=\"S4931 SA7 S2\" id=\"ta_208\">already in 2021 for the real estates in the ownership of Pevec. In the first half year of 2022, the purchase price was </span><span class=\"S4932 SA7 S2\" id=\"tb_208\">paid out and the transfer of ownership happened. The purchase price of the sold real estate was EUR 9,918,995. </span><span class=\"S4933 S5B9 S2\" id=\"tc_208\">the estimated value of those real estates which weren\u2019t sold was defined in the amount of EUR 300,000 by a value </span><span class=\"S4934 SA7 S2\" id=\"td_208\">assessment in January 2021. These assets which were classified as held-for-sale in the amount of HUF 2,046 </span><span class=\"S4935 SA7 S2\" id=\"te_208\">million at the end of 31 December 2021 were eliminated during the first half year of 2022 from these Consolidated </span><span class=\"S2ABE SA7 S2\" id=\"tf_208\">Financial Statements. </span><span class=\"S4322 SB S2\" id=\"tg_208\">Asset classified as held-for-sale </span><span class=\"S4936 S5B9 S2\" id=\"th_208\">On 2 November 2022, the Group sold its share in the associated company Sz\u00e1ll\u00e1s.hu Zrt. to the Polish Wirtualna </span><span class=\"S4937 SA7 S2\" id=\"ti_208\">Polska Media S.A. The whole company was sold for EUR 83 million. The Group's gain recognized in the year </span><span class=\"S4938 SA7 S2\" id=\"tj_208\">under review related to the transaction was HUF 10,458 million, which is presented in the Other income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f24845": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_208\">NOTE 50: </span><span class=\"S1BAC SB S2\" id=\"t4_208\">ASSET CLASSIFIED AS HELD-FOR-SALE AND DISCONTINUED OPERATIONS (in </span><span class=\"SEDE SB S2\" id=\"t5_208\">HUF mn) </span><span class=\"S492E SB S2\" id=\"t6_208\">Discontinued operation </span><span class=\"S719 SA7 S2\" id=\"t7_208\">The Serbian Pevec d.o.o. Beograd company as the investment of OTP Factoring Ltd. was classified as asset held- </span><span class=\"S492F SA7 S2\" id=\"t8_208\">for-sale by the Group as at 31 December, 2021. This investment was not revalued in the Consolidated Financial </span><span class=\"S4930 SA7 S2\" id=\"t9_208\">Statements. Classification as asset held-for-sale was needed due to the purchase agreement had been concluded </span><span class=\"S4931 SA7 S2\" id=\"ta_208\">already in 2021 for the real estates in the ownership of Pevec. In the first half year of 2022, the purchase price was </span><span class=\"S4932 SA7 S2\" id=\"tb_208\">paid out and the transfer of ownership happened. The purchase price of the sold real estate was EUR 9,918,995. </span><span class=\"S4933 S5B9 S2\" id=\"tc_208\">the estimated value of those real estates which weren\u2019t sold was defined in the amount of EUR 300,000 by a value </span><span class=\"S4934 SA7 S2\" id=\"td_208\">assessment in January 2021. These assets which were classified as held-for-sale in the amount of HUF 2,046 </span><span class=\"S4935 SA7 S2\" id=\"te_208\">million at the end of 31 December 2021 were eliminated during the first half year of 2022 from these Consolidated </span><span class=\"S2ABE SA7 S2\" id=\"tf_208\">Financial Statements. </span><span class=\"S4322 SB S2\" id=\"tg_208\">Asset classified as held-for-sale </span><span class=\"S4936 S5B9 S2\" id=\"th_208\">On 2 November 2022, the Group sold its share in the associated company Sz\u00e1ll\u00e1s.hu Zrt. to the Polish Wirtualna </span><span class=\"S4937 SA7 S2\" id=\"ti_208\">Polska Media S.A. The whole company was sold for EUR 83 million. The Group's gain recognized in the year </span><span class=\"S4938 SA7 S2\" id=\"tj_208\">under review related to the transaction was HUF 10,458 million, which is presented in the Other income. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  },
  "f25075": {
   "value": "<span class=\"SFA4 SB S2\" id=\"t3_212\">NOTE 52: </span><span class=\"S6B1 SB S2\" id=\"t4_212\">POST BALANCE SHEET EVENTS </span><span class=\"S49D0 SB S2\" id=\"t5_212\">Summary of economic policy measures made and other relevant regulatory changes as post-balance sheet </span><span class=\"S1924 SB S2\" id=\"t6_212\">events </span><span class=\"S49D1 SA7 S2\" id=\"t7_212\">In the section below, the measures and developments which have been made since the balance sheet date, and </span><span class=\"S49D2 S5B9 S2\" id=\"t8_212\">\u2013 </span><span class=\"S49D3 SA7 S2\" id=\"t9_212\">in </span><span class=\"S49D4 S5B9 S2\" id=\"ta_212\">OTP Bank\u2019s view \u2013 </span><span class=\"S49D5 SA7 S2\" id=\"tb_212\">are relevant and have materially influenced / can materially influence the operation of the </span><span class=\"S49D6 SA7 S2\" id=\"tc_212\">Group members. </span><span class=\"S7DE SA7 S2\" id=\"td_212\">OTP Bank excludes any liability for the completeness and accuracy of the measures presented herein. </span><span class=\"S431D SB S2\" id=\"te_212\">Hungary </span><span class=\"S49D7 S602 S2\" id=\"tf_212\">\u2022 </span><span class=\"S49D8 SA7 S2\" id=\"tg_212\">On 4 January 2023 OTP Bank announced that the National Bank of Hungary imposed the below additional </span><span class=\"S49D9 SA7 S2\" id=\"th_212\">capital requirements for OTP Group, on consolidated level, effective from 1 January 2023 until the next </span><span class=\"S49DA SA7 S2\" id=\"ti_212\">review: </span><span class=\"S49DB S64A S2\" id=\"tj_212\">o </span><span class=\"S49DC SA7 S2\" id=\"tk_212\">1.13%-points in case of the Common Equity Tier1 (CET1) capital, accordingly the minimum </span><span class=\"S49DD SA7 S2\" id=\"tl_212\">requirement for the consolidated CET1 ratio is 5.63% (without regulatory capital buffers); </span><span class=\"S49DE S64A S2\" id=\"tm_212\">o </span><span class=\"S49DF SA7 S2\" id=\"tn_212\">1.50%-points in case of the Tier1 capital, accordingly the minimum requirement for the </span><span class=\"S49E0 SA7 S2\" id=\"to_212\">consolidated Tier1 ratio is 7.50% (without regulatory capital buffers); </span><span class=\"S49E1 S64A S2\" id=\"tp_212\">o </span><span class=\"S49E2 SA7 S2\" id=\"tq_212\">2.00%-points in case of the Total SREP Capital Requirement (TSCR), accordingly the minimum </span><span class=\"S49E3 SA7 S2\" id=\"tr_212\">requirement for the consolidated capital adequacy ratio is 10.00% (without regulatory capital </span><span class=\"S49E4 SA7 S2\" id=\"ts_212\">buffers). </span><span class=\"S49E5 S602 S2\" id=\"tt_212\">\u2022 </span><span class=\"S49E6 S5B9 S2\" id=\"tu_212\">On 23 January 2023 the Ministry of Economic Development announced that the G\u00e1bor Baross </span><span class=\"S49E7 SA7 S2\" id=\"tv_212\">Reindustrialization Loan Programme will be launched from February by Eximbank, with a total available </span><span class=\"S49E8 SA7 S2\" id=\"tw_212\">amount of HUF 700 billion. Under the scheme, the HUF and EUR denominated loans will be available for </span><span class=\"S49E9 SA7 S2\" id=\"tx_212\">all purposes, depending on the loan amount either through commercial banks or directly through Eximbank, </span><span class=\"S49EA SA7 S2\" id=\"ty_212\">but all the funding need will be provided or refinanced by Eximbank. The interest rate of the loans will be </span><span class=\"S49EB SA7 S2\" id=\"tz_212\">fixed throughout the whole tenor and will be typically maximum 6% in the case of HUF loans and maximum </span><span class=\"S49EC SA7 S2\" id=\"t10_212\">3.5% in the case of EUR loans. </span><span class=\"S1C26 S602 S2\" id=\"t11_212\">\u2022 </span><span class=\"S49ED SA7 S2\" id=\"t12_212\">On 24 January 2023 the National Bank of Hungary kept the reference rates unchanged. The NBH held a </span><span class=\"S49EE SA7 S2\" id=\"t13_212\">long-term deposit tender on 25 January, and from 1 February discount bill auctions are held on a weekly </span><span class=\"S49EF SA7 S2\" id=\"t14_212\">basis. The NBH said that it will continue to meet foreign currency liquidity needs in the coming months to </span><span class=\"S49F0 SA7 S2\" id=\"t15_212\">reach market balance related to the energy account. Furthermore, the Deputy Governor announced that </span><span class=\"S49F1 SA7 S2\" id=\"t16_212\">effective from April the mandatory reserve requirement for banks will be increased from 5% to 10%. </span><span class=\"S49F2 S602 S2\" id=\"t17_212\">\u2022 </span><span class=\"S49F3 SA7 S2\" id=\"t18_212\">On 27 January 2023 S&amp;P Global Ratings lowered the long- and short-term foreign and local currency </span><span class=\"S49F4 SA7 S2\" id=\"t19_212\">sovereign credit ratings on Hungary to 'BBB-/A-3' from 'BBB/A-2'. The outlook on the long-term ratings </span><span class=\"S49F5 SA7 S2\" id=\"t1a_212\">is stable. </span><span class=\"S49F6 S602 S2\" id=\"t1b_212\">\u2022 </span><span class=\"S49F7 SA7 S2\" id=\"t1c_212\">According to the press release published on 30 January 2023 by S&amp;P Global Ratings, the rating agency </span><span class=\"S49F8 SA7 S2\" id=\"t1d_212\">downgraded its long- and short-term issuer credit ratings, as well as the long- and short-term resolution </span><span class=\"S49F9 SA7 S2\" id=\"t1e_212\">counterparty ratings on OTP Bank Plc and OTP Mortgage Bank Ltd. to 'BBB-/A-3' from 'BBB/A-2', and </span><span class=\"S49FA SA7 S2\" id=\"t1f_212\">the senior preferred debt rating of OTP Bank Plc was also downgraded by one notch to 'BBB-'. The outlook </span><span class=\"S49FB SA7 S2\" id=\"t1g_212\">on the long-term issuer ratings is stable. </span><span class=\"S49FC S602 S2\" id=\"t1h_212\">\u2022 </span><span class=\"S49FD SA7 S2\" id=\"t1i_212\">The financial completion of the transaction to purchase 100% shareholding of Nova KBM d.d. and its </span><span class=\"S49FE SA7 S2\" id=\"t1j_212\">subsidiary in Slovenia </span><span class=\"S49FF S5B9 S2\" id=\"t1k_212\">\u2013 </span><span class=\"S4A00 SA7 S2\" id=\"t1l_212\">after obtaining all necessary regulatory approvals </span><span class=\"S4A01 S5B9 S2\" id=\"t1m_212\">\u2013 </span><span class=\"S4A02 SA7 S2\" id=\"t1n_212\">has been completed on 6 </span><span class=\"S4A03 SA7 S2\" id=\"t1o_212\">February 2023. </span><span class=\"S4A04 S602 S2\" id=\"t1p_212\">\u2022 </span><span class=\"S4A05 S5B9 S2\" id=\"t1q_212\">According to the press release published on 6 February 2023 by Moody\u2019s Investors Service, the rating </span><span class=\"S4A06 S5B9 S2\" id=\"t1r_212\">agency concluded the ratings review initiated in July 2021. The rating agency downgraded OTP Bank\u2019s </span><span class=\"S4A07 SA7 S2\" id=\"t1s_212\">subordinated bond rating by one notch to 'Ba2' from 'Ba1'. All other ratings and assessments of OTP Bank </span><span class=\"S4A08 SA7 S2\" id=\"t1t_212\">have been affirmed. Outlook is stable. </span><span class=\"S4A09 S602 S2\" id=\"t1u_212\">\u2022 </span><span class=\"S4A0A S5B9 S2\" id=\"t1v_212\">At the same time, Moody\u2019s Investors Service downgraded the backed long </span><span class=\"S4A0B SA7 S2\" id=\"t1w_212\">-term domestic currency issuer </span><span class=\"S4A0C SA7 S2\" id=\"t1x_212\">rating of OTP Mortgage Bank to 'Baa3' from 'Baa2'. All other ratings and assessments of OTP Mortgage </span><span class=\"S4A0D SA7 S2\" id=\"t1y_212\">Bank have been affirmed. Outlook is stable. </span><span class=\"S1685 S602 S2\" id=\"t1z_212\">\u2022 </span><span class=\"S4A0E SA7 S2\" id=\"t20_212\">On 15 February 2023 as value date OTP Bank issued Tier 2 Notes in the aggregate nominal amount of USD </span><span class=\"S4A0F SA7 S2\" id=\"t21_212\">650 million. The Tier 2 Notes with 10.25 years maturity, redeemable at par any time during the 3-month </span><span class=\"S4A10 SA7 S2\" id=\"t22_212\">period prior to the Reset Date at 5.25 years, were priced on 8 February 2023. </span><span class=\"SFA4 SB S2\" id=\"t3_213\">NOTE 52: </span><span class=\"S13E0 SB S2\" id=\"t4_213\">POST BALANCE SHEET EVENTS [continued] </span><span class=\"S4A11 SB S2\" id=\"t5_213\">Summary of economic policy measures made and other relevant regulatory changes as post-balance sheet </span><span class=\"SCBE SB S2\" id=\"t6_213\">events [continued] </span><span class=\"S7A6 SB S2\" id=\"t7_213\">Bulgaria </span><span class=\"S4A12 S602 S2\" id=\"t8_213\">\u2022 </span><span class=\"S4A13 SA7 S2\" id=\"t9_213\">On 17 February 2023 the Minister of Finance announced that the originally planned accession date to the </span><span class=\"S4A14 SA7 S2\" id=\"ta_213\">Eurozone of 1 January 2024 will be postponed. The new target date will be declared by the new Parliament </span><span class=\"S4A15 SA7 S2\" id=\"tb_213\">formed after the elections scheduled to 2 April. </span><span class=\"S4A16 SB S2\" id=\"tc_213\">Serbia </span><span class=\"S4A17 S602 S2\" id=\"td_213\">\u2022 </span><span class=\"S4A18 SA7 S2\" id=\"te_213\">On 12 January 2023 the central bank hiked the base rate by 25 bps to 5.25%. </span><span class=\"S4A19 S602 S2\" id=\"tf_213\">\u2022 </span><span class=\"S4A1A SA7 S2\" id=\"tg_213\">On 9 February 2023 the central bank hiked the base rate by 25 bps to 5.5%. </span><span class=\"S4A1B SB S2\" id=\"th_213\">Slovenia </span><span class=\"S4A1C S602 S2\" id=\"ti_213\">\u2022 </span><span class=\"S4A1D SA7 S2\" id=\"tj_213\">On 2 February 2023 the ECB hiked its key interest rate by 50 bps to 3.0%. </span><span class=\"S4A1E S602 S2\" id=\"tk_213\">\u2022 </span><span class=\"S4A1F S5B9 S2\" id=\"tl_213\">On 7 February 2023 Moody\u2019s upgraded the deposit rating of NKBM to \u2019A3\u2019, the outlook is stable. At the </span><span class=\"S4A20 S5B9 S2\" id=\"tm_213\">same time, the Bank\u2019s unsecured non </span><span class=\"S4A21 SA7 S2\" id=\"tn_213\">-preferred deb</span><span class=\"S4A22 S5B9 S2\" id=\"to_213\">t rating was upgraded to \u2019Baa3\u2019. </span><span class=\"S4A23 SB S2\" id=\"tp_213\">Romania </span><span class=\"S4A24 S602 S2\" id=\"tq_213\">\u2022 </span><span class=\"S4A25 SA7 S2\" id=\"tr_213\">On 20 January 2023 the central bank hiked the base rate by 25 bps to 7%. </span><span class=\"S1CF4 SB S2\" id=\"ts_213\">Russia </span><span class=\"S4A26 S602 S2\" id=\"tt_213\">\u2022 </span><span class=\"S4A27 SA7 S2\" id=\"tu_213\">Effective from 1 January 2023 the capital conservation buffer in Russia decreased temporarily to 0% from </span><span class=\"S4A28 SA7 S2\" id=\"tv_213\">2.5%, which does not affect the minimum requirement for OTP Group. </span><span class=\"S4A29 SB S2\" id=\"tw_213\">Ukraine </span><span class=\"SCA3 S602 S2\" id=\"tx_213\">\u2022 </span><span class=\"S4A2A SA7 S2\" id=\"ty_213\">Effective from 1 January 2023 the Ukrainian central bank raised the mandatory reserve requirement for </span><span class=\"S4A2B SA7 S2\" id=\"tz_213\">local and foreign currency denominated deposits by 5-5 pps each, to 5% and 15%, respectively. </span><span class=\"S4A2C S602 S2\" id=\"t10_213\">\u2022 </span><span class=\"S4A2D S5B9 S2\" id=\"t11_213\">On 10 February 2023 Moody\u2019s downgraded the Ukrainian sovereign credit rating from \u2019Caa\u2019 to \u2019Ca\u2019, the </span><span class=\"S4A2E SA7 S2\" id=\"t12_213\">outlook is stable. </span><span class=\"S4A2F SB S2\" id=\"t13_213\">Moldova </span><span class=\"S4A30 S602 S2\" id=\"t14_213\">\u2022 </span><span class=\"S4A31 SA7 S2\" id=\"t15_213\">On 7 February 2023 Moldova's central bank cut its key rate to 17% from 20%. </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:529900W3MOO00A18X956",
    "period": "2022-01-01T00:00:00/2023-01-01T00:00:00"
   }
  }
 }
}