Income

Interest income

92,653

3,512

573

(1,869)

94,869

Insurance premiums

9

15,021

(96)

14,934

Dividend and other investment income

226

876

12

(28)

1,086

Share in result of associates and joint ventures

282

94

(17)

359

Realised capital gains (losses) on investments

881

1,227

128

(103)

2,133

Other realised and unrealised gains and losses

1,278

(206)

(194)

298

1,176

Fee and commission income

4,243

545

(388)

4,400

Income related to investments for unit-linked contracts

626

22

648

Other income

303

688

70

(209)

852

Total income

99,875

22,383

589

(2,390)

120,457

Expenses

Interest expense

(87,386)

(851)

(875)

1,758

(87,354)

Insurance claims and benefits

(4)

(14,256)

185

(14,075)

Charges related to unit-linked contracts

(1,426)

(1,426)

Change in impairments

(2,835)

(207)

(3,042)

Fee and commission expense

(1,178)

(1,535)

(19)

388

(2,344)

Depreciation and amortisation of tangible and intangible assets

(381)

(231)

(612)

Staff expenses

(4,026)

(892)

(49)

(13)

(4,980)

Other expenses

(2,642)

(1,217)

(169)

230

(3,798)

Total expenses

(98,452)

(20,615)

(1,112)

2,548

(117,631)

Profit before taxation

1,423

1,768

(523)

158

2,826

Income tax expense

359

(183)

77

(18)

235

Net profit for the period

1,782

1,585

(446)

140

3,061

Net gain on discontinued operations

1,013

1,013

Net profit before minority interests

1,782

2,598

(446)

140

4,074

Net profit attributable to minority interests

14

64

2

80

Net profit attributable to shareholders

1,768

2,534

(448)

140

3,994

2006

Banking

Insurance

General

Eliminations

Total

Income

Interest income

70,197

3,167

620

(1,401)

72,583

Insurance premiums

12

14,049

(77)

13,984

Dividend and other investment income

200

796

9

(9)

996

Share in result of associates and joint ventures

87

51

(1)

137

Realised capital gains (losses) on investments

576

576

(15)

1,137

Other realised and unrealised gains and losses

1,339

(17)

54

(14)

1,362

Fee and commission income

3,584

478

(328)

3,734

Income related to investments for unit-linked contracts

1,949

(20)

1,929

Other income

260

519

78

(178)

679

Total income

76,255

21,568

761

(2,043)

96,541

Expenses

Interest expense

(65,111)

(565)

(770)

1,325

(65,121)

Insurance claims and benefits

(6)

(13,306)

161

(13,151)

Charges related to unit-linked contracts

(2,374)

(2,374)

Change in impairments

(158)

(36)

(194)

Fee and commission expense

(820)

(1,430)

328

(1,922)

Depreciation and amortisation of tangible and intangible assets

(350)

(226)

(576)

Staff expenses

(3,625)

(811)

(43)

(6)

(4,485)

Other expenses

(2,334)

(1,030)

(153)

181

(3,336)

Total expenses

(72,404)

(19,778)

(966)

1,989

(91,159)

Profit before taxation

3,851

1,790

(205)

(54)

5,382

Income tax expense

(692)

(390)

52

(1,030)

Net profit for the period

3,159

1,400

(153)

(54)

4,352

Net gain on discontinued operations

61

61

Net profit before minority interests

3,159

1,461

(153)

(54)

4,413

Net profit attributable to minority interests

10

41

11

62

Net profit attributable to shareholders

3,149

1,420

(164)

(54)

4,351

2005

Banking

Insurance

General

Eliminations

Total

Income

Interest income

64,695

2,703

647

(1,200)

66,845

Insurance premiums

13

12,980

(74)

12,919

Dividend and other investment income

188

736

8

(14)

918

Share in result of associates and joint ventures

71

23

7

(4)

97

Realised capital gains (losses) on investments

712

493

444

(7)

1,642

Other realised and unrealised gains and losses

805

16

94

(37)

878

Fee and commission income

2,894

415

(185)

3,124

Income related to investments for unit-linked contracts

3,255

(31)

3,224

Other income

259

481

9

(37)

712

Total income

69,637

21,102

1,209

(1,589)

90,359

Expenses

Interest expense

(60,042)

(505)

(813)

1,133

(60,227)

Insurance claims and benefits

(6)

(11,944)

162

(11,788)

Charges related to unit-linked contracts

(3,709)

(3,709)

Change in impairments

(209)

(26)

(235)

Fee and commission expense

(604)

(1,196)

185

(1,615)

Depreciation and amortisation of tangible and intangible assets

(308)

(240)

(548)

Staff expenses

(3,370)

(868)

(43)

(10)

(4,291)

Other expenses

(1,919)

(942)

(37)

42

(2,856)

Total expenses

(66,458)

(19,430)

(893)

1,512

(85,269)

Profit before taxation

3,179

1,672

316

(77)

5,090

Income tax expense

(734)

(473)

43

(1,164)

Net profit for the period

2,445

1,199

359

(77)

3,926

Net gain on discontinued operations

60

60

Net profit before minority interests

2,445

1,259

359

(77)

3,986

Net profit attributable to minority interests

11

34

45

Net profit attributable to shareholders

2,434

1,225

359

(77)

3,941