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Loans to Customers (Tables) | 12 Months Ended
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Dec. 31, 2024
Loans to customers [abstract] |
Schedule of Loans to Customers |
|  | 2023 |  |  | 2024 |
Gross loans to customers |  |  | 4,478,489 |  |  |  | 6,042,443 |
Less: allowance for impairment losses (Note 7) |  |  | (242,532 | ) |  |  | (295,843 | )
Total loans to customers |  |  | 4,235,957 |  |  |  | 5,746,600 |
Schedule of Provision Expenses on Loans to Customers | Provision expenses on loans to customers:
|  | 2022 |  |  | 2023 |  |  | 2024 |
Provision expenses on loans to customers |  |  | (53,245 | ) |  |  | (76,888 | ) |  |  | (110,293 | )
Schedule of Outstanding NPLs as Compared to Total Allowance for Impairment Losses | The following table sets forth the Group’s outstanding NPLs as compared to the total allowance for impairment losses on total loans to customers:
|  | Gross NPLs |  |  | Total allowance for impairment losses |  |  | Total allowance for impairment losses to Gross NPLs |
As at 31 December 2023 |  |  | 244,161 |  |  |  | 242,532 |  |  |  | 99 | %
As at 31 December 2024 |  |  | 327,730 |  |  |  | 295,843 |  |  |  | 90 | %
Schedule of Gross Carrying Amount and Related Allowance for Impairment Losses on Loans to Customers by Stage | The gross carrying amount and related allowance for impairment losses on loans to customers by stage were as follows:
|  | Stage 1 |  |  | Stage 2 |  |  | Stage 3 |  |  |  |  |  |  |
|  | 12-month ECL |  |  | Lifetime ECL |  |  | Lifetime ECL |  |  | POCI |  |  | Total |
Gross loans to customers |  |  | 4,048,478 |  |  |  | 55,804 |  |  |  | 363,703 |  |  |  | 10,504 |  |  |  | 4,478,489 |
Allowance for impairment losses |  |  | (59,939 | ) |  |  | (16,290 | ) |  |  | (166,042 | ) |  |  | (261 | ) |  |  | (242,532 | )
Carrying amount as at 31 December 2023 |  |  | 3,988,539 |  |  |  | 39,514 |  |  |  | 197,661 |  |  |  | 10,243 |  |  |  | 4,235,957 |
|  | Stage 1 |  |  | Stage 2 |  |  | Stage 3 |  |  |  |  |  |  |
|  | 12-month ECL |  |  | Lifetime ECL |  |  | Lifetime ECL |  |  | POCI |  |  | Total |
Gross loans to customers |  |  | 5,447,804 |  |  |  | 86,251 |  |  |  | 485,252 |  |  |  | 23,136 |  |  |  | 6,042,443 |
Allowance for impairment losses |  |  | (77,521 | ) |  |  | (22,378 | ) |  |  | (193,759 | ) |  |  | (2,185 | ) |  |  | (295,843 | )
Carrying amount as at 31 December 2024 |  |  | 5,370,283 |  |  |  | 63,873 |  |  |  | 291,493 |  |  |  | 20,951 |  |  |  | 5,746,600 |

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