OPERATING INCOME:
Net interest income
(Notes 24 and 37): |
Interest income |
1,774,314 |
2,317,788 |
| Interest expenses |
(847,618) |
(1,417,858) |
|
926,696 |
899,930 |
Net commission income
(Notes 25 and 37): |
Commission income |
313,920 |
377,716 |
| Commission expenses |
(26,818) |
(19,196) |
|
287,102 |
358,520 |
| Dividend income (Note 26) |
49,889 |
47,184 |
| Net gain (loss) on financial assets at FVTPL (Note 27) |
126,988 |
123,629 |
| Net gain (loss) on hedging derivative assets (Notes 20 and 28) |
(1,556,305) |
1,793,649 |
| Net loss (loss) on financial investments (Note 29) |
3,102 |
1,790 |
| Net gain (loss) on foreign exchange transactions |
354,354 |
(1,066,194) |
| Net other net operating incomes (expenses) (Note 30) |
1,191,314 |
(797,522) |
| Additional impairment loss on credit (Note 31 and 37) |
(371,354) |
(842,203) |
| General and administrative expenses (Note 32) |
(259,765) |
(238,286) |
| Total operating income |
752,021 |
280,497 |
NON-OPERATING INCOME
(Note 33): |
Net gain (loss) on investments in associates |
(48,340) |
(140,072) |
| Net other non-operating income (expenses) |
(10,733) |
(7,932) |
|
(59,073) |
(148,004) |
| PROFIT BEFORE INCOME TAX |
692,948 |
132,493 |
| INCOME TAX EXPENSE (Note 34) |
(211,226) |
(34,382) |
| PROFIT FOR THE YEAR |
481,722 |
98,111 |
(Profit for the year after regulatory reserve for loan losses
for the years ended December 31, 2021 and 2020:
￦394,584 million and ￦282,799 million) (Note 23)
|
|
|
|
Profit attributable to the owners of the parent company
|
481,735 |
99,003 |
|
Profit (loss) attributable to the non-controlling interests
|
(13) |
(892) |
| 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 |
91,968 |
263,871 |
| Remeasurements of net defined benefit liability |
9,248 |
(4,272) |
| Income tax effect |
(24,494) |
(62,823) |
|
Items that are or may be reclassified subsequently to profit or loss:
|
Net gain (loss) on debt securities at FVOCI |
(7,723) |
17,778 |
| Net gain (loss) on valuation of cash flow hedge |
3,913 |
4 |
| Net other comprehensive gain (loss) on investment in associates |
12,012 |
(4,463) |
| Net gain (loss) on overseas business translation |
36,280 |
(25,790) |
| Income tax effect |
(2,344) |
(2,231) |
|
118,860 |
182,074 |
| TOTAL COMPREHENSIVE INCOME |
600,582 |
280,185 |
| Comprehensive income (loss) attributable to the owners of the parent company |
600,365 |
281,329 |
| Comprehensive income (loss) attributable to the non-controlling interests |
217 |
(1,144) |