Assets

Cash and cash equivalents

11,176

1,025

7,559

31,931

48,243

(72,932)

27,002

Assets held for trading

138

24

106

76,481

627

(2,029)

75,347

Due from banks

44,375

20

43,867

224,228

64,294

(258,438)

118,346

Due from customers

162,240

4

165,484

179,801

142,827

(335,055)

315,301

Investments:

- Held to maturity

4,234

4,234

- Available for sale

119

28

110

58,164

48,246

(3,487)

103,180

- Held at fair value through profit or loss

72

3,465

3,261

(1,080)

5,718

- Investment property

40

582

117

(51)

688

- Associates and joint ventures

158

49

5

2,976

24,384

27,572

277

77

227

65,187

80,242

(4,618)

141,392

Reinsurance and other receivables

76

215

2,156

8,957

2,005

(6,863)

6,546

Property, plant and equipment

50

33

70

691

3,750

(1,879)

2,715

Goodwill and other intangible assets

589

145

60

386

717

(338)

1,559

Accrued interest and other assets

1,500

81

3,258

68,783

16,634

(11,384)

78,872

Total assets

220,421

1,624

222,787

656,445

359,339

(693,536)

767,080

Liabilities

Liabilities held for trading

138

87

89,700

1,013

(1,481)

89,457

Due to banks

68,141

575

68,595

273,910

142,755

(361,835)

192,141

Due to customers

148,728

305

150,862

166,369

115,684

(314,784)

267,164

Liabilities arising from insurance and investment contracts

39

39

Debt certificates

381

400

60,321

34,969

(1,017)

95,054

Subordinated liabilities

68

40

230

5,283

18,547

(1,071)

23,097

Other borrowings

17

5

177

4,302

1,661

(3,496)

2,666

Provisions

88

1

180

385

538

(351)

841

Current and deferred tax liabilities

117

50

53

456

850

(102)

1,424

Accrued interest and other liabilities

2,743

648

2,203

55,719

9,550

(9,399)

61,464

Total liabilities

220,421

1,624

222,787

656,445

325,606

(693,536)

733,347

Shareholders' equity

33,304

33,304

Minority interests

429

429

Total equity

33,733

33,733

Total liabilities and equity

220,421

1,624

222,787

656,445

359,339

(693,536)

767,080

Due from external customers

84,507

4

94,316

92,673

18,742

290,242

Due from internal customers

77,733

71,168

87,128

124,085

(335,055)

25,059

Due from customers

162,240

4

165,484

179,801

142,827

(335,055)

315,301

Due to external customers

91,420

300

73,748

80,951

13,324

259,743

Due to internal customers

57,308

5

77,114

85,418

102,360

(314,784)

7,421

Due to customers

148,728

305

150,862

166,369

115,684

(314,784)

267,164

31 December 2006

Retail

Merchant &

Merchant &

Retail

Banking

Private

Private

Banking

Asset

Banking

Banking

Other

Total

Network

Management

Clients

Skills

Banking

Eliminations

Banking

Assets

Cash and cash equivalents

10,783

975

2,637

63,290

84,890

(141,784)

20,791

Assets held for trading

5

21

114

70,858

697

(1,060)

70,635

Due from banks

31,055

41,948

236,538

142,887

(363,015)

89,413

Due from customers

153,233

23

135,679

161,932

139,124

(304,114)

285,877

Investments:

- Held to maturity

4,505

4,505

- Available for sale

177

48

95

76,108

54,801

(3,411)

127,818

- Held at fair value through profit or loss

25

3,333

609

(432)

3,535

- Investment property

4

513

138

(55)

600

- Associates and joint ventures

106

18

22

975

198

1,319

283

66

146

80,929

60,251

(3,898)

137,777

Reinsurance and other receivables

23

221

2,251

5,507

1,472

(3,369)

6,105

Property, plant and equipment

53

33

66

215

3,453

(1,667)

2,153

Goodwill and other intangible assets

329

131

58

305

258

(101)

980

Accrued interest and other assets

1,204

80

2,077

53,275

14,250

(9,959)

60,927

Total assets

196,968

1,550

184,976

672,849

447,282

(828,967)

674,658

Liabilities

Liabilities held for trading

91

64,823

1,066

(1,723)

64,257

Due to banks

60,345

591

60,585

345,917

226,018

(516,295)

177,161

Due to customers

133,599

521

122,925

150,537

135,854

(283,380)

260,056

Liabilities arising from insurance and investment contracts

40

40

Debt certificates

463

65

60,146

32,693

(3,007)

90,360

Subordinated liabilities

78

40

423

1,402

17,254

(5,117)

14,080

Other borrowings

25

248

5,547

1,295

(4,937)

2,178

Provisions

99

1

241

47

791

(462)

717

Current and deferred tax liabilities

79

25

95

828

815

(373)

1,469

Accrued interest and other liabilities

2,280

372

303

43,602

14,592

(13,673)

47,476

Total liabilities

196,968

1,550

184,976

672,849

430,418

(828,967)

657,794

Shareholders' equity

16,666

16,666

Minority interests

198

198

Total equity

16,864

16,864

Total liabilities and equity

196,968

1,550

184,976

672,849

447,282

(828,967)

674,658

Due from external customers

77,886

23

84,525

86,918

30,018

279,370

Due from internal customers

75,347

51,154

75,014

109,106

(304,114)

6,507

Due from customers

153,233

23

135,679

161,932

139,124

(304,114)

285,877

Due to external customers

91,201

521

67,093

82,610

12,649

254,074

Due to internal customers

42,398

55,832

67,927

123,205

(283,380)

5,982

Due to customers

133,599

521

122,925

150,537

135,854

(283,380)

260,056

31 December 2005

Retail

Merchant

Commercial & Private

Other

Total

banking

banking

Banking

Banking

Eliminations

Banking

Assets

Cash and cash equivalents

10,023

46,846

10,522

31,307

(73,104)

25,594

Assets held for trading

205

62,112

37

1,301

(825)

62,830

Due from banks

24,565

141,536

27,533

45,200

(158,780)

80,054

Due from customers

159,311

169,360

70,979

107,670

(229,458)

277,862

Investments:

- Held to maturity

4,670

4,670

- Available for sale

28

73,161

312

53,659

(462)

126,698

- Held at fair value through profit or loss

2,094

26

349

(179)

2,290

- Investment property

306

141

(45)

402

- Associates and joint ventures

170

788

43

253

1,254

198

76,043

687

59,072

(686)

135,314

Reinsurance and other receivables

181

2,711

1,790

3,853

(1,525)

7,010

Property, plant and equipment

37

107

87

2,972

(1,185)

2,018

Goodwill and other intangible assets

14

5

167

468

(20)

634

Accrued interest and other assets

686

40,427

1,365

13,869

(8,467)

47,880

Total assets

195,220

539,147

113,167

265,712

(474,050)

639,196

Liabilities

Liabilities held for trading

1

51,012

40

(12)

(286)

50,755

Due to banks

52,595

235,603

43,678

88,146

(245,242)

174,780

Due to customers

138,340

162,935

67,222

100,183

(205,395)

263,285

Liabilities arising from insurance and investment contracts

29

29

Debt certificates

639

47,110

186

31,398

(2,506)

76,827

Subordinated liabilities

79

2,396

244

11,968

(2,197)

12,490

Other borrowings

29

417

243

4,782

(448)

5,023

Provisions

94

188

128

873

(488)

795

Current and deferred tax liabilities

115

661

83

772

(322)

1,309

Accrued interest and other liabilities

3,328

38,825

1,343

14,390

(17,166)

40,720

Total liabilities

195,220

539,147

113,167

252,529

(474,050)

626,013

Shareholders' equity

12,975

12,975

Minority interests

208

208

Total equity

13,183

13,183

Total liabilities and equity

195,220

539,147

113,167

265,712

(474,050)

639,196

Due from external customers

67,391

120,757

52,865

32,212

273,225

Due from internal customers

91,920

48,603

18,114

75,458

(229,458)

4,637

Due from customers

159,311

169,360

70,979

107,670

(229,458)

277,862

Due to external customers

85,068

113,834

39,395

14,049

252,346

Due to internal customers

53,272

49,101

27,827

86,134

(205,395)

10,939

Due to customers

138,340

162,935

67,222

100,183

(205,395)

263,285