OPERATING INCOME:
Net interest income
(Notes 24 and 37): |
Interest income |
5,956,099 |
3,125,103
|
| Interest expenses |
(5,021,498) |
(2,137,804) |
|
934,601 |
987,299
|
Net commission income
(Notes 25 and 37): |
Commission income |
471,028 |
367,008
|
| Commission expenses |
(36,558) |
(32,234) |
|
434,470 |
334,774
|
| Dividend income (Note 26) |
61,970 |
60,627
|
| Net gain (loss) on financial assets at FVTPL (Note 27) |
209,813 |
(305,507) |
| Net gain (loss) on hedging derivative assets (Notes 20 and 28) |
2,013,394 |
(3,223,833) |
| Net loss (loss) on financial investments (Note 29) |
1,292 |
(295) |
| Net gain (loss) on foreign exchange transactions |
(1,061,668) |
514,731
|
| Net other net operating incomes (expenses) (Note 30) |
(931,223)
|
3,173,476
|
| Additional impairment loss on credit (Note 31 and 37) |
(284,382) |
(682,556) |
| General and administrative expenses (Note 32) |
(293,853) |
(277,567) |
| Total operating income |
1,084,414 |
581,149
|
NON-OPERATING INCOME
(Note 33): |
Net gain (loss) on investments in associates |
67,536 |
32,850
|
| Net other non-operating income (expenses) |
(9,398) |
(5,252) |
|
58,138 |
27,598
|
| PROFIT BEFORE INCOME TAX |
1,142,552 |
608,747
|
| INCOME TAX EXPENSE (Note 34) |
(355,431) |
(193,198) |
| PROFIT FOR THE YEAR |
787,121 |
415,549
|
(Profit for the year after regulatory reserve for loan losses
for the years ended December 31, 2023 and 2022:
￦1,043,890 million and ￦378,091 million) (Note 23)
|
|
|
|
Profit attributable to the owners of the parent company
|
787,121 |
415,484
|
|
Profit (loss) attributable to the non-controlling interests
|
- |
65 |
| OTHER COMPREHENSIVE INCOME (LOSS) FOR THE YEAR (Note 22): |
|
|
|
Items not reclassified subsequently to profit or loss:
|
Net gain (loss) on equity securities at FVOCI |
(146,525) |
37,176
|
| Remeasurements of net defined benefit liability |
(10,329) |
23,879
|
| Income tax effect |
37,513 |
(2,878) |
|
Items that are or may be reclassified subsequently to profit or loss:
|
Net gain (loss) on debt securities at FVOCI |
81,884 |
(330,359) |
| Net gain (loss) on valuation of cash flow hedge |
11,177 |
46,612
|
| Net other comprehensive gain (loss) on investment in associates |
10,020 |
(2,014)
|
| Net gain (loss) on overseas business translation |
19,561 |
19,813
|
| Income tax effect |
(23,562) |
66,260
|
|
(20,261) |
(141,511)
|
| TOTAL COMPREHENSIVE INCOME |
766,860 |
274,038
|
| Comprehensive income (loss) attributable to the owners of the parent company |
765,889 |
274,066
|
| Comprehensive income (loss) attributable to the non-controlling interests |
971 |
(28) |