| Interest income | 39,809a | 39,685a |
| Interest income calculated using the effective interest method | 37,163a | 36,788a |
| Related interest income | 2,646a | 2,897a |
| Interest expense | -23,280a | -22,811a |
| Net interest income | 16,529a | 16,874a |
| Fee and commission income | 3,648a | 3,361a |
| Fee and commission expense | -846a | -721a |
| Net fee and commission income | 2,802a | 2,640a |
| Net trading profit | 1,421a | 1,225a |
| Net result on financial instruments at FVTPL | -35a | -262a |
| Net result on financial assets measured at FVOCI | -38a | -26a |
| Net loss on sale of financial assets measured at amortised cost | -104a | -22a |
| Net hedging profit | 92a | 30a |
| Other operating income | 312a | 287a |
| Non-interest income | 4,450a | 3,872a |
| Operating income | 20,979a | 20,746a |
| Operating expenses | -9,634a | -9,432a |
| Operating profit before impairment losses | 11,345a | 11,314a |
| Impairment losses on financial instruments | -5,497a | -5,483a |
| Impairment losses on associate | -94a | -726a |
| Impairment losses on other assets | -2a | -6a |
| Impairment losses | -5,593a | -6,215a |
| Operating profit after impairment losses | 5,752a | 5,099a |
| Net profit on sale of assets held for sale | 22a | 2a |
| Net loss on disposal of subsidiaries/associates | | -12a |
| Net profit on disposal of fixed assets | 16a | 14a |
| Valuation losses on investment properties | -145a | -86a |
| Share of profits less losses of associates and joint ventures | 195a | 293a |
| Profit for the year before taxation | 5,840a | 5,310a |
| Income tax | -1,211a | -1,174a |
| Profit for the year | 4,629a | 4,136a |
| Attributable to: | — | — |
| Owners of the parent | 4,608a | 4,118a |
| Non-controlling interests | 21a | 18a |