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The following table shows the breakdown of Interest expenses by product for the year ended 31 December.

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General (incl.

  

 

Banking

Insurance

eliminations)

Total

2007

 

 

 

 

Interest expenses

 

 

 

 

Interest expenses due to banks

10,799

432

(436)

10,795

Interest expenses due to customers

10,530

 

(493)

10,037

Interest expenses on debt certificates

4,945

 

313

5,258

Interest expenses on subordinated liabilities

765

72

50

887

Interest expenses on other borrowings

85

91

(84)

92

Interest expenses on liabilities held for trading and derivatives

58,230

198

(321)

58,107

Interest expenses on other liabilities

2,032

58

88

2,178

Total interest expenses

87,386

851

(883)

87,354

 

 

 

 

 

2006

 

 

 

 

Interest expenses

 

 

 

 

Interest expenses due to banks

7,960

176

(161)

7,975

Interest expenses due to customers

9,067

3

(294)

8,776

Interest expenses on debt certificates

3,356

 

273

3,629

Interest expenses on subordinated liabilities

676

80

29

785

Interest expenses on other borrowings

454

80

(215)

319

Interest expenses on liabilities held for trading and derivatives

41,337

101

(264)

41,174

Interest expenses on other liabilities

2,261

125

77

2,463

Total interest expenses

65,111

565

(555)

65,121

 

 

 

 

 

2005

 

 

 

 

Interest expenses

 

 

 

 

Interest expenses due to banks

4,808

107

(95)

4,820

Interest expenses due to customers

6,877

3

(255)

6,625

Interest expenses on debt certificates

2,468

 

314

2,782

Interest expenses on subordinated liabilities

609

100

32

741

Interest expenses on other borrowings

302

78

(111)

269

Interest expenses on liabilities held for trading and derivatives

43,282

65

(248)

43,099

Interest expenses on other liabilities

1,696

152

43

1,891

Total interest expenses

60,042

505

(320)

60,227


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