In year 2021 Top Bank Plc had the following operations (expressed in $000).

Interest on customers' credit card balances: 122.1

Insurance for the bank car fleet: 2.6

Bank branches rent: 135

Interest on mortgage loans: 305.8

Interest on issued bonds: 50.4

Charge for bad and doubtful debts: 84

Interest on interbank borrowing: 33.2

Servicing Fees on securitized loans: 15

Salaries: 87.6

Unrealized capital gains on held-to-maturity securities: +10

Interest on issued certificates of deposits: 244.8

Realized capital gains on available-for-sale securities: -35

Invoice of a design consultancy company that advised Top Bank on its branch decoration: 1.1

Interest on government bonds: 367.9

Assuming that mark-to-market standards apply, calculate the net profit before tax of Top Bank in 2021.