Note	2014	2013
Net cash flows from operating activities
Profit before income tax		4,034,563	4,044,464
Adjustments:		(2,010,153)	(5,181,159)
Amortisation and depreciation		747,164	579,240
(Gains) losses from investing activities	42	(17,629)	(432,805)
Interest and dividends	42	(70,072)	(526,650)
Change in amounts due from banks	42	516,391	932,282
Change in trading assets and financial assets designated upon initial recognition at fair value through profit and loss	42	3,636,624	(2,777,360)
Change in derivative financial instruments (asset)	42	(2,465,578)	859,701
Change in loans and advances to customers	42	(6,368,592)	(6,014,711)
Change in other assets, inventories and non-current assets held for sale	42	22,298	(123,665)
Change in amounts due to banks	42	(10,148,916)	(254,374)
Change in derivative financial instruments (liability)	42	2,205,844	(635,887)
Change in amounts due to customers	42	9,077,138	4,704,388
Change in liabilities classified as held for sale		32,084	2,880
Change in debt securities in issue	42	797,462	542,532
Change in provisions and impairment allowances	42	1,298,353	(598,898)
Change in other liabilities, liabilities due to insurance operations and
subordinated liabilities	42	315,877	719,951
Income tax paid		(842,623)	(1,033,741)
Other adjustments	42	(745,978)	(1,124,042)
Net cash generated from/used in operating activities		2,024,410	(1,136,695)
Net cash flows from investing activities
Inflows from investing activities		44,158,212	45,064,980
Proceeds from sale of a subsidiary, net of cash disposed		-	383,561
Proceeds from sale of non-current assets held for sale		-	25,450
Proceeds from sale and interest on investment securities		44,056,862	44,610,734
Proceeds from sale of intangible assets and tangible fixed assets		73,451	43,347
Other investing inflows (dividends)		27,899	1,888
Outflows from investing activities		(51,861,334)	(46,096,798)
Purchase of subsidiaries, net of cash acquired		(1,797,972)	(39)
Purchase of investment securities		(49,249,230)	(45,040,357)
Purchase of intangible assets and tangible fixed assets		(814,132)	(1,056,402)
Net cash used in investing activities		(7,703,122)	(1,031,818)
Net cash flows from financing activities
Proceeds from debt securities in issue		3,569,624	2,119,934
Redemption of debt securities in issue		(1,612,922)	(2,032,020)
Dividends paid		(937,500)	(2,250,000)
Repayment of interest from issued debt securities and subordinated loans		(475,673)	(478,531)
Long-term borrowings		15,287,591	1,974,081
Repayment of long-term borrowings		(4,782,292)	(775,844)
Net cash generated from/used in financing activities		11,048,828	(1,442,380)
Net cash flows		5,370,116	(3,610,893)
of which currency translation differences on cash and cash equivalents		125,680	(16,722)
Cash and cash equivalents at the beginning of the period		8,884,739	12,495,632
Cash and cash equivalents at the end of the period	42	14,254,855	8,884,739
of which restricted	16	11,440	32,078

consolidated_statement_of_cash_flows.xlsx