Income

Interest income

12,079

27

10,040

109,562

22,196

(61,251)

92,653

Interest expense

(9,382)

(37)

(8,144)

(108,840)

(22,239)

61,256

(87,386)

Net interest income

2,697

(10)

1,896

722

(43)

5

5,267

Fee and commission income

951

991

916

1,191

257

(63)

4,243

Fee and commission expense

146

(555)

(74)

(478)

(275)

58

(1,178)

Net fee and commission income

1,097

436

842

713

(18)

(5)

3,065

Insurance premiums

9

9

Dividend, share in result of associates and joint ventures and other investment income

8

10

19

172

299

508

Realised capital gains (losses) on investments

64

30

166

576

45

881

Other realised and unrealised gains and losses

49

11

123

855

237

3

1,278

Other income

497

5

275

191

(628)

(37)

303

Total income, net of interest expense

4,412

452

3,185

2,819

432

11

11,311

Change in impairments

(142)

(9)

123

(2,790)

(11)

(6)

(2,835)

Net revenues

4,270

443

3,308

29

421

5

8,476

Expenses

Staff expenses

(1,146)

(174)

(658)

(716)

(865)

(467)

(4,026)

Depreciation and amortisation of tangible and intangible assets

(23)

(13)

(14)

(54)

(252)

(25)

(381)

Other expenses

(459)

(101)

(203)

(384)

(1,265)

(230)

(2,642)

Insurance claims and benefits

(4)

(4)

Allocation expense

(1,331)

(12)

(864)

(629)

2,119

717

Total expenses

(2,959)

(300)

(1,739)

(1,783)

(267)

(5)

(7,053)

Profit before taxation

1,311

143

1,569

(1,754)

154

1,423

Income tax expense

(309)

(35)

(336)

1,035

4

359

Net profit before minority interests

1,002

108

1,233

(719)

158

1,782

Net profit attributable to minority interests

14

14

Net profit attributable to shareholders

1,002

108

1,233

(719)

144

1,768

Net revenues from external customers

2,648

464

4,190

342

3,046

10,690

Net revenues internal

1,622

(21)

(882)

(313)

(2,625)

5

(2,214)

Net revenues

4,270

443

3,308

29

421

5

8,476

Non-cash expenses (excl. depreciation & amortisation)

176

82

1,455

(23)

1,690

2006

Retail

Merchant &

Merchant &

Retail

Banking

Private

Private

Banking

Asset

Banking

Banking

Other

Total

Network

Management

Clients

Skills

Banking

Eliminations

Banking

Income

Interest income

9,916

29

7,169

67,981

14,382

(29,280)

70,197

Interest expense

(7,241)

(29)

(5,652)

(67,359)

(14,110)

29,280

(65,111)

Net interest income

2,675

1,517

622

272

5,086

Fee and commission income

1,225

795

874

901

125

(336)

3,584

Fee and commission expense

(209)

(449)

(101)

(263)

(127)

329

(820)

Net fee and commission income

1,016

346

773

638

(2)

(7)

2,764

Insurance premiums

12

12

Dividend, share in result of associates and joint ventures and other investment income

15

3

17

125

127

287

Realised capital gains (losses) on investments

10

46

94

426

576

Other realised and unrealised gains and losses

39

6

(16)

1,010

300

1,339

Other income

664

6

370

151

(856)

(75)

260

Total income, net of interest expense

4,419

361

2,707

2,640

279

(82)

10,324

Change in impairments

(151)

1

10

(31)

13

(158)

Net revenues

4,268

362

2,717

2,609

292

(82)

10,166

Expenses

Staff expenses

(1,107)

(142)

(554)

(572)

(890)

(360)

(3,625)

Depreciation and amortisation of tangible and intangible assets

(30)

(8)

(13)

(38)

(244)

(17)

(350)

Other expenses

(411)

(79)

(197)

(388)

(1,198)

(61)

(2,334)

Insurance claims and benefits

(6)

(6)

Allocation expense

(1,371)

(11)

(758)

(425)

2,045

520

Total expenses

(2,919)

(240)

(1,522)

(1,423)

(293)

82

(6,315)

Profit before taxation

1,349

122

1,195

1,186

(1)

3,851

Income tax expense

(362)

(33)

(298)

20

(19)

(692)

Net profit before minority interests

987

89

897

1,206

(20)

3,159

Net profit attributable to minority interests

4

6

10

Net profit attributable to shareholders

987

89

897

1,202

(26)

3,149

Net revenues from external customers

2,390

365

3,287

237

3,708

9,987

Net revenues internal

1,878

(3)

(570)

2,372

(3,416)

(82)

179

Net revenues

4,268

362

2,717

2,609

292

(82)

10,166

Non-cash expenses (excl. depreciation & amortisation)

(89)

(167)

(1,063)

590

(1,909)

2005

Commercial

Retail

Merchant

& Private

Other

Total

banking

banking

banking

banking

Eliminations

Banking

Income

Interest income

10,380

65,550

4,324

14,188

(29,747)

64,695

Interest expense

(7,913)

(64,786)

(3,293)

(13,797)

29,747

(60,042)

Net interest income

2,467

764

1,031

391

4,653

Fee and commission income

1,623

654

759

(22)

(120)

2,894

Fee and commission expense

(531)

(195)

(57)

59

120

(604)

Net fee and commission income

1,092

459

702

37

2,290

Insurance premiums

13

13

Dividend, share in result of associates and joint ventures and other investment income

16

114

39

107

(17)

259

Realised capital gains (losses) on investments

63

318

16

353

(38)

712

Other realised and unrealised gains and losses

43

527

62

127

46

805

Other income

513

126

238

(574)

(44)

259

Total income, net of interest expense

4,194

2,308

2,088

454

(53)

8,991

Change in impairments

(130)

107

(153)

(33)

(209)

Net revenues

4,064

2,415

1,935

421

(53)

8,782

Expenses

Staff expenses

(1,111)

(603)

(566)

(1,090)

(3,370)

Depreciation and amortisation of tangible and intangible assets

(15)

(8)

(31)

(254)

(308)

Other expenses

(370)

(356)

(246)

147

(1,094)

(1,919)

Insurance claims and benefits

(6)

(6)

Allocation expense

(1,262)

(359)

(446)

920

1,147

Total expenses

(2,758)

(1,326)

(1,289)

(283)

53

(5,603)

Profit before taxation

1,306

1,089

646

138

3,179

Income tax expense

(444)

(76)

(186)

(28)

(734)

Net profit before minority interest

862

1,013

460

110

2,445

Net profit attributable to minority interests

6

5

11

Net profit attributable to shareholders

862

1,007

460

105

2,434

Net revenues from external customers

2,396

1,176

2,004

3,178

8,754

Net revenues internal

1,668

1,239

(69)

(2,757)

(53)

28

Net revenues

4,064

2,415

1,935

421

(53)

8,782

Non-cash expenses (excl. depreciation & amortisation)

(32)

(82)

(43)

(72)

(229)