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Provision Expense (Tables)

12 Months Ended

Dec. 31, 2024

Notes and other explanatory information [abstract]

Summary of Movements in Loss Allowance

The movements in loss allowance were as follows:


		Loans to customers												Due from banks				Financial assets at FVTOCI												Cash and cash equivalents				Other assets				Contin- gencies				Total
		Stage 1				Stage 2				Stage 3				Stage 1				Stage 1				Stage 2				Stage 3				Stage 1				Stage 3				Stage 1
Loss allowance as at 31 December 2021			64,043				10,582				67,791				19				130				-				2,662				1				3,846				18				149,092
Changes in provisions
-Transfer to Stage 1		3,544					(1,138	)			(2,406	)			-				-				-				-				-				-				-				-
-Transfer to Stage 2		(6,970)					7,208				(238	)			-				(3	)			3				-				-				-				-				-
-Transfer to Stage 3		(13,854)					(7,014	)			20,868				-				-				-				-				-				-				-				-
Net changes, resulting from changes in credit risk parameters			(14,545	)			4,429				33,307				(14	)			3				653				-				2				1,348				21				25,204
New assets issued			65,888				-				-				-				10				-				-				-				-				-				65,898
Repaid assets (except for write off)			(30,502	)			(2,282	)			(11,485	)			-				(58	)			-				-				-				-				-				(44,327	)
Modification effect			-				-				8,435				-				-				-				-				-				-				-				8,435
Total effect on Consolidated Statements of Profit or Loss			20,841				2,147				30,257				(14	)			(45	)			653				-				2				1,348				21				55,210
Write-off, net of recoveries			-				-				19,029				-				-				-				-				-				(80	)			-				18,949
Reclassification of financial assets			-				-				-				-				-				-				(2,662	)			-				2,662				-				-
Foreign exchange difference			-				-				12				1				-				-				-				-				18				-				31

As at 31 December 2022			67,604				11,785				135,313				6				82				656				-				3				7,794				39				223,282


		Loans to customers																Due from banks				Financial assets at FVTOCI												Cash and cash equivalents				Other assets				Contin- gencies				Total
		Stage 1				Stage 2				Stage 3				POCI				Stage 1				Stage 1				Stage 2				Stage 3				Stage 1				Stage 3				Stage 1
Loss allowance as at 31 December 2022			67,604				11,785				135,313								6				82				656				-				3				7,794				39				223,282
Changes in provisions
-Transfer to Stage 1			15,923				(1,448	)			(14,475	)			-				-				-				-				-				-				-				-				-
-Transfer to Stage 2			(10,396	)			16,184				(5,788	)			-				-				(1	)			1				-				-				-				-				-
-Transfer to Stage 3			(25,126	)			(5,745	)			30,871				-				-				-				(530	)			530				-				-				-				-
Net changes, resulting from changes in credit risk parameters			(25,885	)			(2,531	)			61,320				261				-				5				31				606				20				2,060				(4	)			35,883
New assets issued			75,077				-				-				-				-				28				-				-				-				-				-				75,105
Repaid assets (except for write off)			(37,258	)			(1,955	)			(12,662	)			-				-				-				-				-				-				-				-				(51,875	)
Modification effect			-				-				20,521				-				-				-				-				-				-				-				-				20,521
Total effect on Consolidated Statements of Profit or Loss			11,934				(4,486	)			69,179				261				-				33				31				606				20				2,060				(4	)			79,634
Write-off, net of recoveries			-				-				(49,055	)			-				-				-				-				-				-				(4,214	)			-				(53,269	)
Foreign exchange difference			-				-				(3	)			-				-				-				-				-				-				-				-				(3	)

As at 31 December 2023			59,939				16,290				166,042				261				6				114				158				1,136				23				5,640				35				249,644


		Loans to customers																Due from banks				Financial assets at FVTOCI												Cash and cash equivalents				Other assets				Contin- gencies				Total
		Stage 1				Stage 2				Stage 3				POCI				Stage 1				Stage 1				Stage 2				Stage 3				Stage 1				Stage 3				Stage 1
Loss allowance as at 31 December 2023			59,939				16,290				166,042			261					6				114				158				1,136				23				5,640				35				249,644
Changes in provisions
-Transfer to Stage 1			27,424				(3,919	)			(23,505	)			-				-				-				-				-				-				-				-				-
-Transfer to Stage 2			(11,051	)			20,608				(9,557	)			-				-				-				-				-				-				-				-				-
-Transfer to Stage 3			(25,149	)			(7,250	)			32,399				-				-				-				-				-				-				-				-				-
Net changes, resulting from changes in credit risk parameters			(27,598	)			(1,896	)			65,061				1,924				1				195				(18	)			(549	)			19				3,909				(35	)			41,013
New assets issued			86,095				-				-				-				-				142				-				-				-				-				-				86,237
Repaid assets (except for write off)			(32,139	)			(1,455	)			(13,333	)			-				-				-				-				-				-				-				-				(46,927	)
Modification effect			-				-				33,634				-				-				-				-				-				-				-				-				33,634
Total effect on Consolidated Statements of Profit or Loss			26,358				(3,351	)			85,362				1,924				1				337				(18	)			(549	)			19				3,909				(35	)			113,957
Write-off, net of recoveries			-				-				(56,973	)			-				-				-				-				-				-				(979	)			-				(57,952	)
Foreign exchange difference			-				-				(9	)			-				-				-				-				-				-				-				-				(9	)

As at 31 December 2024			77,521				22,378				193,759				2,185				7				451				140				587				42				8,570				-				305,640