OPERATING INCOME:
Net interest income
(Notes 24 and 37): |
Interest income |
3,125,103 |
1,774,314 |
| Interest expenses |
(2,137,804) |
(847,618) |
|
987,299 |
926,696 |
Net commission income
(Notes 25 and 37): |
Commission income |
367,008 |
313,920 |
| Commission expenses |
(32,234) |
(26,818) |
|
334,774 |
287,102 |
| Dividend income (Note 26) |
60,627 |
49,889 |
| Net gain (loss) on financial assets at FVTPL (Note 27) |
(305,507) |
126,988 |
| Net gain (loss) on hedging derivative assets (Notes 20 and 28) |
(3,223,833) |
(1,556,305) |
| Net loss (loss) on financial investments (Note 29) |
(295) |
3,102 |
| Net gain (loss) on foreign exchange transactions |
514,731 |
354,354 |
| Net other net operating incomes (expenses) (Note 30) |
3,173,476 |
1,191,314 |
| Additional impairment loss on credit (Note 31 and 37) |
(682,556) |
(371,354) |
| General and administrative expenses (Note 32) |
(277,567) |
(259,765) |
| Total operating income |
581,149 |
752,021 |
NON-OPERATING INCOME
(Note 33): |
Net gain (loss) on investments in associates |
32,850 |
(48,340) |
| Net other non-operating income (expenses) |
(5,252) |
(10,733) |
|
27,598 |
(59,073) |
| PROFIT BEFORE INCOME TAX |
608,747 |
692,948 |
| INCOME TAX EXPENSE (Note 34) |
(193,198) |
(211,226) |
| PROFIT FOR THE YEAR |
415,549 |
481,722 |
(Profit for the year after regulatory reserve for loan losses
for the years ended December 31, 2022 and 2021:
￦378,091 million and ￦394,585 million) (Note 23)
|
|
|
|
Profit attributable to the owners of the parent company
|
415,484 |
481,735 |
|
Profit (loss) attributable to the non-controlling interests
|
65 |
(13) |
| 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 |
37,176 |
91,968 |
| Remeasurements of net defined benefit liability |
23,879 |
9,248 |
| Income tax effect |
(2,878) |
(24,494) |
|
Items that are or may be reclassified subsequently to profit or loss:
|
Net gain (loss) on debt securities at FVOCI |
(330,359) |
(7,723) |
| Net gain (loss) on valuation of cash flow hedge |
46,612 |
3,913 |
| Net other comprehensive gain (loss) on investment in associates |
(2,014) |
12,012 |
| Net gain (loss) on overseas business translation |
19,813 |
36,280 |
| Income tax effect |
66,260 |
(2,344) |
|
(141,511) |
118,860 |
| TOTAL COMPREHENSIVE INCOME |
274,038 |
600,582 |
| Comprehensive income (loss) attributable to the owners of the parent company |
274,066 |
600,365 |
| Comprehensive income (loss) attributable to the non-controlling interests |
(28) |
217 |