cash flows from/-used in operating activities
interest income received calculated using the effective interest rate method
298190
205 096
other similar income received
151
136
interest expense paid calculated using the effective interest rate method
-57820
-57 499
recoveries from written-off loans
6651
5 660
expenses on deposits insurance paid
-4951
-3 874
fees and commissions received
127825
120 629
fees and commissions paid
-53465
-35 712
customer acquisition expense paid
-68338
-37 774
gains/-losses from operations with foreign currencies
1733
-2 532
losses from operations with derivatives paid
-204
-1 194
insurance premiums received
61564
44 134
insurance claims paid
-18309
-9 655
recoveries from the purchased loans received
4971
3 902
other operating income received
1327
1 403
administrative and other operating expenses paid
-90737
-82 761
income tax paid
-20261
-9 525
cash flows from operating activities before changes in operating assets and
liabilities
187403
140 434
changes in operating assets and liabilities
net -increase/decrease in cbrf mandatory reserves
-1499
6 899
net -increase/decrease in due from banks
-4862
92
net increase in loans and advances to customers
-425459
-75 511
net -increase/decrease in brokerage receivables
-15598
22 391
net decrease in debt securities measured at fvtpl
617
3 509
net decrease in guarantee deposits with payment systems
8
17 568
net decrease/-increase in precious metals
2201
-13 767
net -increase/decrease in other financial assets
-17865
3 844
net increase in other non-financial assets
-19731
-6 394
net increase/-decrease in due to banks
4587
-9 924
net increase in customer accounts
484105
269 993
net increase/-decrease in brokerage payables
1158
-1 376
net increase in other financial liabilities
34436
18 098
net decrease in non-financial liabilities
-23
-185
net cash from operating activities
229478
375 671
cash flows -used in/from investing activities
acquisition of tangible fixed assets
-12699
-2 656
acquisition of intangible assets
-24510
-15 622
acquisition of investments in securities repurchase receivables and other investments
-22168
-114 997
proceeds from sale and redemption of investments in securities
26187
15 686
net cash used in investing activities
-33190
-117 589
cash flows used in financing activities
repayment of debt securities in issue
-331
-21 098
repayment of securitisation
-1135
-1 604
repayment of principal of lease liabilities
-3365
-659
repayment of subordinated debt
-892
-4 427
net cash used in financing activities
-5723
-27 788
effect of exchange rate changes on cash and cash equivalents
22028
-35 209
net increase in cash and cash equivalents
212593
195 085
cash and cash equivalents at the beginning of the year
511561
316 476
cash and cash equivalents at the end of the year
724154
511 561
