Of this, 68.35% or AZN 395.44 million came from interest gains on loans lent to customers. In total, AZN 450.16 million or 77.2% of the incomes came from interest gains.
Bank incomes from non-credit transactions made up 31.65% or AZN 184.56 million of the total earnings.
Of this, 22.79% or AZN 132.84 million was non-interest incomes.
Given that the non-interest expenses exceeded non-interest incomes by AZN 24.5 million, the non-credit operations of the banks are unsuccessful.
The bulk of bank expenses include term deposits (30%), salary (18%) and interests on loans and deposits.
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