Profit (loss) Interest income Interest expense Net interest income Fee and commission income Fair value and foreign exchange losses Other income Profit for the period from investment in associates Net operating income Impairment loss on loans to customers Personnel expense General and administrative expense Depreciation and amortisation Selling and marketing expense Other expense Profit before income taxes Income tax expense Profit for the period Basic earnings per share Basic earnings per share, EUR Diluted earnings per share Diluted earnings per share, EUR Exchange differences on translation Currency translation difference Other comprehensive income Total other comprehensive loss Total comprehensive income Assets Cash and cash equivalents Derivative financial assets Loans to customers Debt investments Other financial assets Current tax assets Prepaid expenses and other assets Intangible assets Right-of-use assets Property, plant and equipment Investments accounted for using the equity method Deferred tax assets Total assets Liabilities Derivative financial liabilities Deposits from customers Current tax liabilities Provisions, accruals and other liabilities Debt securities Lease liabilities Deferred tax liabilities Total liabilities Equity Share capital Treasury shares Retained earnings Unrestricted equity reserve Perpetual bonds Translation differences Other reserves Total equity Total equity and liabilities Cash flows from (used in) operating activities Impairment loss on loans to customers Depreciation and amortisation Net interest income Fair value and foreign exchange gains and losses Income tax expense Other adjustments Increase (-) in gross loans to customers Increase (-) in debt investments Increase (-) / decrease (+) in derivative financial instruments (net) Increase (-) / decrease (+) in other assets Increase (+) in deposits from customers Decrease (-) in other liabilities Interest paid Interest received Income taxes paid Net cash flows from (used in) operating activities Cash flows from (used in) investing activities Purchase of tangible assets Purchase of intangible assets Purchase of investments accounted for using the equity method Net cash flows used in investing activities Cash flows from (used in) financing activities Repayment of perpetual bonds interest Dividends paid Proceeds from debt securities Repayment of debt securities Repayment of lease liabilities Repayment of perpetual bonds Net cash flows used in financing activities Cash and cash equivalents, as at 1 January Exchange losses on cash and cash equivalents Net increase (decrease) in cash and cash equivalents Cash and cash equivalents, as at 31 December Equity at start of period Comprehensive income Perpetual bonds interests payments Changes in equity Share-based payments Other changes Total transactions with owners Repayment of perpetual bonds Dividend distribution Release of reserves