Quarterly summary of financial statements 2025 - 2026

30 June 2025

30 September 2025

31 December 2025

31 March 2026

30 June 2026

ASSETS

Cash and cash equivalents

13,722,564

13,496,874

12,080,387

16,267,025

12,807,795

Due from banks

3,032,522

3,801,929

6,496,727

6,047,419

4,065,820

Derivatives and other financial instruments held for trading

1,545,236

1,563,274

2,515,304

1,927,577

2,208,895

out of which: Pledged as collateral

70,905

79,149

51,242

152,318

98,688

Financial assets at fair value through profit and loss

9,539

11,233

10,374

11,162

14,706

Financial assets at fair value through other comprehensive income

12,239,451

12,023,693

11,257,882

10,144,858

11,329,967

out of which: Pledged as collateral

749,149

508,200

691,963

576,482

823,540

Financial assets at amortised cost

57,224,991

58,260,148

61,059,450

61,526,258

63,921,209

Loans and advances to customers

50,131,230

51,322,663

53,985,859

53,767,227

56,132,464

Debt securities

7,093,761

6,937,485

7,073,591

7,759,031

7,788,745

out of which: Pledged as collateral

323,420

441,484

220,536

382,069

997,264

Finance lease receivables

2,093,999

2,117,484

2,144,020

2,100,199

2,126,814

Assets held for sale

8,465

8,465

1,728

1,728

1,469

Investments in associates and joint ventures

130,553

118,031

66,246

67,800

55,371

Property, plant and equipment

1,056,124

1,050,207

1,060,567

1,063,605

1,024,594

Investment property

8,544

8,710

5,254

5,230

5,205

Intangible assets

630,907

650,060

690,451

691,060

720,763

Deferred tax asset

284,125

270,997

230,611

234,075

201,304

Goodwill

50,130

50,130

50,130

50,130

50,130

Other financial assets

393,012

274,292

195,089

194,182

216,054

Other non-financial assets

247,095

245,542

179,817

183,053

186,479

Total assets

92,677,257

93,951,069

98,044,037

100,515,361

98,936,575

LIABILITIES AND SHAREHOLDERS' EQUITY

Due to banks

2,037,171

1,691,863

1,239,312

3,032,122

2,824,965

Derivatives and other financial instruments held for trading

959,697

624,084

977,448

917,557

1,417,526

Due to customers

70,720,059

72,018,184

75,045,129

75,653,672

73,653,708

Borrowed funds

6,784,864

6,860,994

7,441,554

7,293,073

7,503,981

Subordinated debts

1,270,952

1,271,856

1,276,400

1,276,448

1,312,683

Current tax liability

71,662

87,445

11,885

71,973

97,469

Provisions

334,917

310,945

341,924

333,802

328,059

Other financial liabilities

685,646

757,124

734,815

744,938

725,873

Other non-financial liabilities

289,541

337,700

399,277

325,885

368,791

Total liabilities

83,154,509

83,960,195

87,467,744

89,649,470

88,233,055

Share capital

2,515,622

2,515,622

2,515,622

2,515,622

2,515,622

Accumulated other comprehensive income/(loss)

(1,162,141)

(1,087,191)

(889,801)

(969,159)

(797,142)

Retained earnings

7,616,999

8,010,175

8,398,204

8,767,160

8,432,772

Other reserves

552,268

552,268

552,268

552,268

552,268

Total equity

9,522,748

9,990,874

10,576,293

10,865,891

10,703,520

Total liabilities and equity

92,677,257

93,951,069

98,044,037

100,515,361

98,936,575

Tier 1 ratio

22.3%

22.5%

22.9%

19.9%

not available

CAR

25.3%

25.5%

25.7%

22.7%

not available

6M ended 30 June 2025

9M ended

30 September 2025

Year ended

31 December 2025

3M ended 31 March 2026

6M ended 30 June 2026

Interest from loans and financial leases

1,967,370

3,019,813

4,079,983

1,024,886

2,079,497

Interest from deposits with banks

55,040

79,595

111,518

61,309

102,972

Interest from treasury bonds

383,869

578,429

769,294

185,482

398,780

Interest and similar income

2,406,279

3,677,837

4,960,795

1,271,677

2,581,249

out of which: Interest income calculated using the effective interest method

2,331,878

3,566,791

4,814,630

1,239,055

2,516,117

Interest on deposits

(678,657)

(1,064,511)

(1,459,750)

(420,853)

(844,932)

Interest on borrowings and other debts

(172,583)

(259,096)

(345,531)

(82,517)

(168,226)

Interest expense on lease liabilities

(3,957)

(5,728)

(7,876)

(2,089)

(4,241)

Interest expense from hedging instruments

(24,924)

(34,812)

(42,974)

(7,596)

(15,727)

Interest and similar expense

(880,121)

(1,364,147)

(1,856,131)

(513,055)

(1,033,126)

Net interest income

1,526,158

2,313,690

3,104,664

758,622

1,548,123

Fees and commission income

742,655

1,112,442

1,487,133

353,532

723,310

Fees and commission expense

(289,980)

(437,237)

(597,129)

(151,709)

(270,952)

Fees and commissions, net

452,675

675,205

890,004

201,823

452,358

Gain/(loss) from derivatives and other financial instruments held for trading

(92,345)

(65,991)

(40,366)

58,022

97,323

Gain from foreign exchange

266,586

330,457

395,477

27,949

77,808

Gain from financial instruments at fair value through profit and loss

2,816

4,501

3,646

788

7,155

Net income from associates and joint ventures

28,545

16,022

11,605

1,554

6,611

Other income/(expense)

(17,111)

(21,742)

(15,423)

12,929

16,627

Net banking income

2,167,324

3,252,142

4,349,607

1,061,687

2,206,005

Personnel expenses

(530,260)

(778,301)

(1,034,554)

(248,331)

(486,365)

Depreciation, amortization and impairment on tangible and intangible assets

(138,663)

(210,463)

(287,551)

(81,738)

(147,385)

Contribution to Guarantee Scheme and Resolution Fund

(49,037)

(49,037)

(49,037)

-

-

Other operating expenses

(381,800)

(600,582)

(852,013)

(226,012)

(460,339)

Total operating expenses

(1,099,760)

(1,638,383)

(2,223,155)

(556,081)

(1,094,089)

Gross operating profit

1,067,564

1,613,759

2,126,452

505,606

1,111,916

Net impairment loss on financial instruments

(141,889)

(195,230)

(225,186)

(53,123)

(147,313)

Profit before income tax

925,675

1,418,529

1,901,266

452,483

964,603

Current tax expense

(155,278)

(256,098)

(348,021)

(71,875)

(169,071)

Deferred tax income / (expense)

(5,898)

(4,755)

(7,541)

(11,652)

(11,654)

Total income tax

(161,176)

(260,853)

(355,562)

(83,527)

(180,725)

Net profit for the period

764,499

1,157,676

1,545,704

368,956

783,878

C/I

50.7%

50.4%

51.1%

52.4%

49.6%

30 June 2025

30 September 2025

31 December 2025

31 March 2026

30 June 2026

ASSETS

Cash and cash equivalents

13,722,459

13,496,773

12,080,309

16,266,911

12,807,678

Due from banks

3,032,521

3,801,929

6,496,727

6,047,419

4,065,820

Derivatives and other financial instruments held for trading

1,519,746

1,539,818

2,485,530

1,897,053

2,187,127

out of which: Pledged as collateral

70,905

79,149

51,242

152,318

98,688

Financial assets at fair value through profit and loss

9,539

11,233

10,374

11,162

14,706

Financial assets at fair value through other comprehensive income

12,239,451

12,023,693

11,257,882

10,144,858

11,329,967

out of which: Pledged as collateral

749,149

508,200

691,963

576,482

823,540

Financial assets at amortised cost

56,844,458

57,868,713

60,708,431

61,164,169

63,547,091

Loans and advances to customers

49,750,697

50,931,228

53,634,840

53,405,138

55,758,346

Debt securities

7,093,761

6,937,485

7,073,591

7,759,031

7,788,745

out of which: Pledged as collateral

323,420

441,484

220,536

382,069

997,264

Assets held for sale

6,376

6,376

1,728

1,728

1,469

Investments in subsidiaries

15,879

15,879

15,879

15,879

15,879

Investments in associates and joint ventures

70,220

70,220

30,327

30,327

30,327

Property, plant and equipment

1,048,211

1,042,417

1,052,828

1,056,411

1,017,730

Investment property

8,544

8,710

5,254

5,230

5,205

Intangible assets

627,264

646,326

686,632

687,423

715,888

Deferred tax asset

282,626

269,372

228,642

232,767

199,845

Goodwill

50,130

50,130

50,130

50,130

50,130

Other financial assets

368,967

256,848

177,651

177,932

196,905

Other non-financial assets

119,909

118,881

128,386

141,191

127,702

Total assets

89,966,300

91,227,318

95,416,710

97,930,590

96,313,469

LIABILITIES AND SHAREHOLDERS' EQUITY

Due to banks

2,037,171

1,691,863

1,239,312

3,032,122

2,824,965

Derivatives and other financial instruments held for trading

959,697

624,084

977,448

917,557

1,417,526

Due to customers

70,929,600

72,277,425

75,504,639

76,005,783

74,052,286

Borrowed funds

4,351,926

4,370,240

4,849,166

4,864,151

5,018,194

Subordinated debts

1,270,952

1,271,856

1,276,400

1,276,448

1,312,683

Current tax liability

68,080

82,868

7,350

67,677

92,075

Provisions

327,856

307,019

336,546

328,345

322,381

Other financial liabilities

622,674

698,548

685,515

706,093

673,016

Other non-financial liabilities

282,761

329,693

388,798

318,184

362,022

Total liabilities

80,850,717

81,653,596

85,265,174

87,516,360

86,075,148

Share capital

2,515,622

2,515,622

2,515,622

2,515,622

2,515,622

Accumulated other comprehensive income/(loss)

(1,162,141)

(1,087,191)

(889,801)

(969,159)

(797,142)

Retained earnings

7,212,463

7,595,652

7,976,076

8,318,128

7,970,202

Other reserves

549,639

549,639

549,639

549,639

549,639

Total equity

9,115,583

9,573,722

10,151,536

10,414,230

10,238,321

Total liabilities and equity

89,966,300

91,227,318

95,416,710

97,930,590

96,313,469

Tier 1 ratio

22.6%

22.9%

23.0%

19.9%

19.1%

CAR

25.8%

26.0%

26.0%

22.9%

22.0%

6M ended

9M ended

Year ended

3M ended

6M ended

30 June 2025

30 September 2025

31 December 2025

31 March 2026

30 June 2026

Interest from loans and financial leases

1,881,486

2,891,276

3,912,306

984,602

1,998,400

Interest from deposits with banks

55,040

79,595

111,518

61,309

102,972

Interest from treasury bonds

383,869

578,429

769,294

185,482

398,780

Interest and similar income

2,320,395

3,549,300

4,793,118

1,231,393

2,500,152

out of which: Interest income calculated using the effective interest method

2,320,395

3,549,300

4,793,118

1,231,393

2,500,152

Interest on deposits

(682,972)

(1,071,900)

(1,470,810)

(425,632)

(854,472)

Interest on borrowings and other debts

(133,544)

(200,585)

(267,549)

(63,526)

(129,940)

Interest expense on lease liabilities

(3,887)

(5,626)

(7,743)

(2,061)

(4,189)

Interest expense from hedging instruments

(24,924)

(34,812)

(42,974)

(7,596)

(15,727)

Interest and similar expense

(845,327)

(1,312,923)

(1,789,076)

(498,815)

(1,004,328)

Net interest income

1,475,068

2,236,377

3,004,042

732,578

1,495,824

Fees and commission income

719,185

1,071,611

1,427,796

334,809

683,282

Fees and commission expense

(286,149)

(431,473)

(589,141)

(149,231)

(265,706)

Fees and commissions, net

433,036

640,138

838,655

185,578

417,576

Gain/(loss) from derivatives and other financial instruments held for trading

(93,273)

(67,346)

(42,364)

57,686

96,449

Gain from foreign exchange

265,667

327,876

391,096

26,651

75,820

Gain from financial instruments at fair value through profit and loss

2,816

4,501

3,646

788

7,155

Net income from associates and joint ventures

19,231

19,231

26,708

-

17,486

Dividend income from subsidiaries

8,709

8,709

8,709

-

-

Other income/(expense)

(16,348)

(19,721)

(11,090)

14,026

15,512

Net banking income

2,094,906

3,149,765

4,219,402

1,017,307

2,125,822

Personnel expenses

(510,404)

(749,487)

(994,296)

(238,517)

(466,913)

Depreciation, amortization and impairment on tangible and intangible assets

(137,314)

(208,419)

(284,835)

(81,062)

(145,851)

Contribution to Guarantee Scheme and Resolution Fund

(49,037)

(49,037)

(49,037)

-

-

Other operating expenses

(373,667)

(588,193)

(832,691)

(221,598)

(451,746)

Total operating expenses

(1,070,422)

(1,595,136)

(2,160,859)

(541,177)

(1,064,510)

Gross operating profit

1,024,484

1,554,629

2,058,543

476,130

1,061,312

Net impairment loss on financial instruments

(134,431)

(186,163)

(219,136)

(55,410)

(147,342)

Profit before income tax

890,053

1,368,466

1,839,407

420,720

913,970

Current tax expense

(149,532)

(245,773)

(333,160)

(67,677)

(159,391)

Deferred tax income / (expense)

(5,476)

(4,459)

(7,590)

(10,991)

(11,145)

Total income tax

(155,008)

(250,232)

(340,750)

(78,668)

(170,536)

Net profit for the period

735,045

1,118,234

1,498,657

342,052

743,434

C/I

51.1%

50.6%

51.2%

53.2%

50.1%