| Assets | — | — | — |
| Current assets | — | — | — |
| Cash and cash equivalents | 3,063,000a | 5,344,000a | 2,182,000a |
| Loans to customers and accrued interest receivables, net - current portion | 102,229,000a | 100,818,000a | 94,014,000a |
| Other receivables, net | 871,000a | 862,000a | 485,000a |
| Total current assets | 106,163,000a | 107,024,000a | 96,681,000a |
| Non-current assets | — | — | — |
| Loans to customers and accrued interest receivables, net - non-current portion | 967,000a | 1,765,000a | 1,388,000a |
| Other non-current financial assets | 2,000a | 2,000a | 2,000a |
| Investments in subsidiaries and an associate, net | | 154,000a | 106,000a |
| Properties for sale, net | 14,000a | 8,000a | 39,000a |
| Leasehold improvements and equipment | 390,000a | 421,000a | 348,000a |
| Right-of-use assets | 420,000a | 507,000a | 331,000a |
| Intangible assets | 363,000a | 387,000a | 483,000a |
| Deferred tax assets | 2,632,000a | 2,430,000a | 2,344,000a |
| Other non-current assets | 117,000a | 115,000a | 74,000a |
| Total non-current assets | 4,903,000a | 5,790,000a | 5,115,000a |
| Total assets | 111,066,000a | 112,814,000a | 101,796,000a |
| Liabilities and shareholders' equity | — | — | — |
| Current liabilities | — | — | — |
| Short-term borrowings | 10,119,000a | 9,457,000a | 10,179,000a |
| Trade payables | 1,964,000a | 3,491,000a | 1,820,000a |
| Accrued interest expenses | 297,000a | 342,000a | 280,000a |
| Income tax payable | 923,000a | 866,000a | 924,000a |
| Accrued expenses | 1,395,000a | 1,365,000a | 1,287,000a |
| Other payables | 777,000a | 743,000a | 809,000a |
| Current portion of lease liabilities | 225,000a | 212,000a | 161,000a |
| Current portion of long-term borrowings | 1,500,000a | 4,500,000a | |
| Current portion of long-term debentures | 11,483,000a | 7,915,000a | 4,639,000a |
| Deferred income for reward points | 2,901,000a | 2,718,000a | 2,587,000a |
| Total current liabilities | 31,583,000a | 31,608,000a | 22,687,000a |
| Non-current liabilities | — | — | — |
| Lease liabilities, net of current portion | 203,000a | 301,000a | 176,000a |
| Long-term borrowings, net of current portion | 8,000,000a | 5,000,000a | 6,000,000a |
| Long-term debentures, net of current portion | 30,807,000a | 39,532,000a | 40,817,000a |
| Provisions for employee benefits | 573,000a | 527,000a | 541,000a |
| Total non-current liabilities | 39,583,000a | 45,360,000a | 47,533,000a |
| Total liabilities | 71,166,000a | 76,968,000a | 70,220,000a |
| Share capital | — | — | — |
| Authorized share capital | 2,578,000a | 2,578,000a | 2,578,000a |
| Issued and paid-up share capital | 2,578,000a | 2,578,000a | 2,578,000a |
| Share premium on ordinary shares | 1,892,000a | 1,892,000a | 1,892,000a |
| Surplus on business combination under common control | 424,000a | 424,000a | 424,000a |
| Other components of shareholders' equity | 4a | 7,000a | 5,000a |
| Retained earnings | — | — | — |
| Appropriated - legal reserve | 258,000a | 258,000a | 258,000a |
| Unappropriated | 34,659,000a | 30,523,000a | 26,197,000a |
| Equity attributable to owners of the parent | 39,810,000a | 35,682,000a | 31,353,000a |
| Non-controlling interests | 90,000a | 164,000a | 223,000a |
| Total shareholders' equity | 39,900,000a | 35,845,000a | 31,576,000a |
| Total liabilities and shareholders' equity | 111,066,000a | 112,814,000a | 101,796,000a |