Cash flow from operating activities:
Profit for the year
Adjustments for:
Depreciation and amortization
Amortization of change in fair value of securities
reclassified as held to maturity
Provision for write-off of impaired loans and advances to customers
(Gain) on sale of property and equipment
(Gain) on sale of assets acquired in satisfaction of loans
Change in fair value and gain on sale of trading assets
Provisions
Share in profit/loss of an associate
Provision for decline in value of available-for-sale securities
Net change in loans to banks
Net change in loans and advances to customers
Net change in customers’ deposits
Net change in trading securities
Net change in placements with banks
Net change in other assets and intangible assets
Net change in other liabilities
Settlement of provisions
Deposits and borrowings from banks and financial institutions
Net cash generated by operating activities