Adjustments for:
Depreciation and amortization
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 losses of an associate
Provision for decline in value of available-for-sale securities
Loss on disposal of an associate
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 (including compulsory reserves)
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