Income

Interest income

20,852

22,535

25,566

25,916

94,869

Insurance premiums

4,258

3,632

3,478

3,566

14,934

Dividend and other investment income

196

383

245

262

1,086

Share in result of associates and joint ventures

45

36

40

238

359

Realised capital gains (losses) on investments

399

529

390

815

2,133

Other realised and unrealised gains and losses

391

509

199

77

1,176

Fee and commission income

1,024

1,076

1,053

1,247

4,400

Income related to investments for unit-linked contracts

452

686

(134)

(356)

648

Other income

196

205

208

243

852

Total income

27,813

29,591

31,045

32,008

120,457

Expenses

Interest expense

(19,042)

(20,594)

(23,683)

(24,035)

(87,354)

Insurance claims and benefits

(3,849)

(3,535)

(3,328)

(3,363)

(14,075)

Charges related to unit-linked contracts

(860)

(688)

69

53

(1,426)

Change in impairments

(32)

(14)

(215)

(2,781)

(3,042)

Fee and commission expense

(564)

(577)

(553)

(650)

(2,344)

Depreciation and amortisation of tangible and intangible assets

(143)

(148)

(159)

(162)

(612)

Staff expenses

(1,165)

(1,231)

(1,244)

(1,340)

(4,980)

Other expenses

(832)

(922)

(968)

(1,076)

(3,798)

Total expenses

(26,487)

(27,709)

(30,081)

(33,354)

(117,631)

Profit before taxation

1,326

1,882

964

(1,346)

2,826

Income tax expense

(149)

(265)

(167)

816

235

Net profit for the period

1,177

1,617

797

(530)

3,061

Net gain on discontinued operations

13

23

20

957

1,013

Net profit before minority interests

1,190

1,640

817

427

4,074

Net profit attributable to minority interests

23

25

19

13

80

Net profit attributable to shareholders

1,167

1,615

798

414

3,994

2006

First

Second

Third

Fourth

quarter

quarter

quarter

quarter

Total

Income

Interest income

16,629

18,472

17,926

19,556

72,583

Insurance premiums

3,137

3,141

3,202

4,504

13,984

Dividend and other investment income

188

374

209

225

996

Share in result of associates and joint ventures

44

33

36

24

137

Realised capital gains (losses) on investments

403

168

275

291

1,137

Other realised and unrealised gains and losses

448

520

91

303

1,362

Fee and commission income

964

939

892

939

3,734

Income related to investments for unit-linked contracts

794

(913)

1,155

893

1,929

Other income

125

275

88

191

679

Total income

22,732

23,009

23,874

26,926

96,541

Expenses

Interest expense

(14,839)

(16,540)

(16,131)

(17,611)

(65,121)

Insurance claims and benefits

(2,696)

(3,117)

(2,888)

(4,450)

(13,151)

Charges related to unit-linked contracts

(1,018)

924

(1,282)

(998)

(2,374)

Change in impairments

(18)

(58)

(23)

(95)

(194)

Fee and commission expense

(542)

(451)

(467)

(462)

(1,922)

Depreciation and amortisation of tangible and intangible assets

(136)

(143)

(140)

(157)

(576)

Staff expenses

(1,104)

(1,064)

(1,122)

(1,195)

(4,485)

Other expenses

(726)

(814)

(763)

(1,033)

(3,336)

Total expenses

(21,079)

(21,263)

(22,816)

(26,001)

(91,159)

Profit before taxation

1,653

1,746

1,058

925

5,382

Income tax expense

(320)

(354)

(178)

(178)

(1,030)

Net profit for the period

1,333

1,392

880

747

4,352

Net gain on discontinued operations

13

17

16

15

61

Net profit before minority interests

1,346

1,409

896

762

4,413

Net profit attributable to minority interests

18

19

12

13

62

Net profit attributable to shareholders

1,328

1,390

884

749

4,351

2005

First

Second

Third

Fourth

quarter

quarter

quarter

quarter

Total

Income

Interest income

17,101

17,207

17,003

15,534

66,845

Insurance premiums

2,994

3,179

3,148

3,598

12,919

Dividend and other investment income

189

302

202

225

918

Share in result of associates and joint ventures

36

21

31

9

97

Realised capital gains (losses) on investments

931

342

278

91

1,642

Other realised and unrealised gains and losses

303

202

250

123

878

Fee and commission income

733

741

787

863

3,124

Income related to investments for unit-linked contracts

480

1,219

920

605

3,224

Other income

300

127

106

179

712

Total income

23,067

23,340

22,725

21,227

90,359

Expenses

Interest expense

(15,558)

(15,564)

(15,338)

(13,767)

(60,227)

Insurance claims and benefits

(2,623)

(2,904)

(2,821)

(3,440)

(11,788)

Charges related to unit-linked contracts

(749)

(1,302)

(1,042)

(616)

(3,709)

Change in impairments

(29)

(17)

(92)

(97)

(235)

Fee and commission expense

(438)

(402)

(385)

(390)

(1,615)

Depreciation and amortisation of tangible and intangible assets

(122)

(129)

(134)

(163)

(548)

Staff expenses

(962)

(1,008)

(1,028)

(1,293)

(4,291)

Other expenses

(659)

(643)

(710)

(844)

(2,856)

Total expenses

(21,140)

(21,969)

(21,550)

(20,610)

(85,269)

Profit before taxation

1,927

1,371

1,175

617

5,090

Income tax expense

(419)

(338)

(241)

(166)

(1,164)

Net profit for the period

1,508

1,033

934

451

3,926

Net gain on discontinued operations

15

17

13

15

60

Net profit before minority interests

1,523

1,050

947

466

3,986

Net profit attributable to minority interests

18

7

15

5

45

Net profit attributable to shareholders

1,505

1,043

932

461

3,941