Cash flow statement
| Consolidated cash flow statement | Note | 1 January – 31 December 2021 | 1 January – 31 December 2020 |
| Profit before tax | 7 454 | 4 058 | |
| Adjustments | -42 | 24 521 | |
| Movement in loan receivables from clients | 54 | -7 576 | -5 514 |
| Movement in liabilities under deposits | 54 | 9 271 | 25 221 |
| Movement in the valuation of assets measured at fair value | -797 | -869 | |
| Interest income and expenses | -2 663 | -2 608 | |
| Realized gains/losses from investing activities and impairment losses | 1 281 | 2 931 | |
| Impairment charges for property, plant and equipment, intangible assets and goodwill | 35 | 1 505 | |
| Net foreign exchange differences | 240 | -55 | |
| Movement in deferred acquisition expenses | -23 | 24 | |
| Amortization of intangible assets and depreciation of property, plant and equipment | 1 348 | 1 319 | |
| Movement in the reinsurers’ share in technical provisions | -439 | -245 | |
| Movement in technical provisions | 1 702 | 1 142 | |
| Movement in receivables | 54 | -384 | 277 |
| Movement in liabilities | 54 | 1 073 | 1 616 |
| Cash flow on investment contracts | 12 | 6 | |
| Acquisitions and redemptions of participation units and investment certificates of mutual funds | 155 | 313 | |
| Income tax paid | -1 847 | -1 886 | |
| Subsidy from the Bank Guarantee Fund related to the acquisition of Idea Bank | 193 | - | |
| Increase in cash related to the acquisition of Idea Bank | 1 097 | - | |
| Other adjustments | -2 720 | 1 344 | |
| Net cash flows from operating activities | 7 412 | 28 579 | |
| Cash flow from investing activities | |||
| Proceeds | 634 101 | 866 620 | |
| – sale of investment property | 171 | 12 | |
| – proceeds from investment property | 300 | 260 | |
| – sale of intangible assets and property, plant and equipment | 148 | 29 | |
| – sale of ownership interests and shares | 1 327 | 682 | |
| – realization of debt securities | 326 237 | 407 813 | |
| – closing of buy-sell-back transactions | 199 209 | 246 687 | |
| – closing of term deposits with credit institutions | 77 207 | 182 521 | |
| – realization of other investments | 27 667 | 26 844 | |
| – interest received | 1 727 | 1 566 | |
| – dividends received | 69 | 149 | |
| – other investment proceeds | 39 | 57 | |
| Expenditures | -632 248 | -894 247 | |
| – purchase of investment properties | -508 | -200 | |
| – expenditures for the maintenance of investment property | -141 | -139 | |
| – purchase of intangible assets and property, plant and equipment | -1 255 | -1 264 | |
| – purchase of ownership interests and shares | -670 | -615 | |
| – purchase of ownership interests and shares in subsidiaries | -4 | -70 | |
| – decrease in cash due to the sale of entities and change in the scope of consolidation | -6 | - | |
| – purchase of debt securities | -324 661 | -436 679 | |
| – opening of buy-sell-back transactions | -198 696 | -247 271 | |
| – purchase of term deposits with credit institutions | -77 540 | -182 142 | |
| – purchase of other investments | -28 740 | -25 835 | |
| – other expenditures for investments | -27 | -32 | |
| Net cash flows from investing activities | 1 853 | -27 627 | |
| Cash flows from financing activities | |||
| Proceeds | 97 154 | 91 069 | |
| – proceeds from loans and borrowings | 54 | 63 | 1 661 |
| – proceeds on the issue of own debt securities | 54 | 3 058 | 9 658 |
| – opening of repurchase transactions | 54 | 94 033 | 79 750 |
| Expenditures | -104 977 | -92 050 | |
| – dividends paid to equity holders of the parent | 40.2.1.1 | -3 022 | - |
| – dividends to owners of non-controlling interests | -674 | - | |
| – repayment of loans and borrowings | 54 | -1 800 | -898 |
| – redemption of own debt securities | 54 | -5 069 | -11 473 |
| – closing of repurchase transactions | 54 | -93 979 | -79 194 |
| – interest on loans and borrowings | 54 | -42 | -47 |
| – interest on outstanding debt securities | 54 | -99 | -163 |
| – expenditures on leases | 54 | -292 | -275 |
| Net cash flows from financing activities | -7 823 | -981 | |
| Total net cash flows | 1 442 | -29 | |
| Cash and cash equivalents at the beginning of the period | 7 939 | 7 788 | |
| Movement in cash due to foreign exchange differences | 66 | 180 | |
| Cash and cash equivalents at the end of the period, including: | 39 | 9 447 | 7 939 |
| – restricted cash | 39 | 28 | 19 |
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