Income

Interest income

37

94,869

72,583

66,845

Insurance premiums

38

14,934

13,984

12,919

Dividend and other investment income

39

1,086

996

918

Share in result of associates and joint ventures

359

137

97

Realised capital gains (losses) on investments

40

2,133

1,137

1,642

Other realised and unrealised gains and losses

41

1,176

1,362

878

Fee and commission income

42

4,400

3,734

3,124

Income related to investments for unit-linked contracts

648

1,929

3,224

Other income

43

852

679

712

Total income

120,457

96,541

90,359

Expenses

Interest expense

44

(87,354)

(65,121)

(60,227)

Insurance claims and benefits

45

(14,075)

(13,151)

(11,788)

Charges related to unit-linked contracts

(1,426)

(2,374)

(3,709)

Change in impairments

46

(3,042)

(194)

(235)

Fee and commission expense

47

(2,344)

(1,922)

(1,615)

Depreciation and amortisation of tangible and intangible assets

48

(612)

(576)

(548)

Staff expenses

49

(4,980)

(4,485)

(4,291)

Other expenses

50

(3,798)

(3,336)

(2,856)

Total expenses

(117,631)

(91,159)

(85,269)

Profit before taxation

2,826

5,382

5,090

Income tax expense

51

235

(1,030)

(1,164)

Net profit for the period

3,061

4,352

3,926

Net gain on discontinued operations

1,013

61

60

Net profit before minority interests

4,074

4,413

3,986

Net profit attributable to minority interests

80

62

45

Net profit attributable to shareholders

3,994

4,351

3,941

Per share data (EUR)

6

Basic earnings per share

2.30

2.83

2.57

Basic earnings per share before net gain on discontinued operations

1.72

2.79

2.53

Diluted earnings per share

2.04

2.80

2.55