Profit or loss Profit (loss) Revenue Impairment loss on loans to customers Bank and lending costs Personnel expense Selling and marketing expense General and administrative expense Depreciation and amortisation Operating profit Other income Other expense Profit before interests and taxes (‘EBIT‘) Finance income Finance costs Profit before income taxes Income tax expense Profit from continuing operations Loss from discontinued operations Profit (loss) for the year Weighted average number of ordinary shares in issue Basic earnings per share Earnings per share from continuing operations, EUR Earnings per share from discontinued operations, EUR Earnings per share Earnings per share [line items] Total earnings per share, EUR Statement of comprehensive income Other comprehensive income Currency translation difference from continuing operations Total other comprehensive income (loss) from continuing operations Total comprehensive income from continuing operations Total comprehensive loss from discontinued operations Total comprehensive income (loss) for the period Statement of financial position Assets Non-current assets Property, plant and equipment Right-of-use assets Intangible assets Deferred tax assets Other non-current financial assets Total non-current assets Current assets Loans to customers Other current financial assets Derivative financial assets Current tax assets Prepaid expenses and other current assets Cash and cash equivalents Total current assets Total assets Equity and liabilities Equity Share capital Treasury shares Retained earnings Perpetual bonds Unrestricted equity reserve Translation differences Other reserves Total equity Liabilities Non-current liabilities Long-term borrowings Deposits from customers Other non-current finance liabilities Lease liabilities Deferred tax liabilities Total non-current liabilities Current liabilities Short-term borrowings Deposits from customers Derivative financial liabilities Lease liabilities Current tax liabilities Trade payables Accruals and other current liabilities Total current liabilities Total liabilities Total equity and liabilities Statement of cash flows Cash flows from (used in) operating activities Depreciation and amortization Finance costs, net Tax on income from operations Other adjustments Impairments on loans Increase (-) / decrease (+) in current receivables Increase (+) / decrease (-) in trade payables and other liabilities Interest paid Interest received Income taxes paid Net cash flows from operating activities before movements in loan portfolio and deposits Deposits from customers Movements in gross portfolio Net cash flows from operating activities Cash flows from (used in) investing activities Purchase of tangible and intangible assets Purchase of investments and other assets Disposal of subsidiaries Net cash flows used in investing activities Cash flows from (used in) financing activities Proceeds from issue of equity bonds Repayment of long-term borrowings Repayment of short-term borrowings Perpetual bonds interests and issuance costs Repayment of finance lease liabilities Proceeds from long-term borrowings Net cash flows from (used in) financing activities Cash and cash equivalents, as at 1 January Exchange gains (losses) on cash and cash equivalents Net increase in cash and cash equivalents Cash and cash equivalents, as at 31 December Perpetual bond Unrestricted equity reserve Statement of changes in equity As at 1 January Currency translation difference Acquisition of own options Share-based payments Transfers between items Other changes Total transactions with owners As at 31 December Proceeds from equity bonds Perpetual bonds interests and issuance costs