| Interest income calculated using the effective interest rate method | 5,273a | 4,549a |
| Other interest income and similar income | 103a | 96a |
| Interest and similar income | 5,376a | 4,645a |
| Interest and similar expense | -1,247a | -804a |
| Net interest income | 4,129a | 3,841a |
| Fee and commission income | 845a | 806a |
| Fee and commission expense | -164a | -173a |
| Net trading income | 50a | 210a |
| Net gain on other financial assets measured at FVTPL | 82a | 30a |
| Net gain/(loss) on derecognition of financial assets measured at amortised cost | 2a | -9a |
| Other (expense)/income | -16a | 17a |
| Other income | 799a | 881a |
| Total operating income | 4,928a | 4,722a |
| Operating expenses | -1,894a | -1,847a |
| Impairment and amortisation of intangible assets | -224a | -221a |
| Impairment and depreciation of property, plant and equipment | -77a | -74a |
| Total operating expenses | -2,195a | -2,142a |
| Operating profit before impairment losses | 2,733a | 2,580a |
| Net credit impairment charge | -55a | -172a |
| Operating profit | 2,678a | 2,408a |
| Income from equity accounted investments | 26a | 12a |
| Loss on disposal of business | -2a | -26a |
| Profit before taxation | 2,702a | 2,394a |
| Income tax charge | -351a | -336a |
| Profit for the year | 2,351a | 2,058a |
| Attributable to | — | — |
| Equity holders of the parent | 2,354a | 2,061a |
| Non-controlling interests | -3a | -3a |