| Interest income calculated using the effective interest method | 5,792a | 5,413a |
| Other interest income | 950a | 916a |
| Interest income | 6,742a | 6,329a |
| Interest expense | -3,141a | -2,622a |
| Net interest income | 3,601a | 3,707a |
| Insurance service result | 35a | 51a |
| Insurance revenue | 536a | 518a |
| Insurance service expense | -476a | -428a |
| Net expense from reinsurance contracts held | -25a | -39a |
| Insurance investment and finance result | 26a | 110a |
| Total investment gains | 1,526a | 1,198a |
| Finance expense from insurance contracts issued | -1,536a | -1,182a |
| Finance income from reinsurance contracts held | 36a | 94a |
| Fee and commission income | 729a | 673a |
| Fee and commission expense | -212a | -219a |
| Net trading income | 105a | 65a |
| Other leasing income | 109a | 92a |
| Other leasing expense | -87a | -63a |
| Gain on derecognition of financial assets | 33a | |
| Other operating income | 74a | 44a |
| Total operating income | 4,413a | 4,460a |
| Operating expenses | -2,435a | -2,094a |
| Cost of restructuring programme | -57a | -20a |
| Operating profit before impairment losses on financial instruments | 1,921a | 2,346a |
| Net impairment losses on financial instruments | -107a | -425a |
| Operating profit | 1,814a | 1,921a |
| Share of results of associates and joint ventures (after tax) | 34a | 25a |
| Gain / (loss) on disposal / liquidation of business activities | 7a | -8a |
| Profit before tax | 1,855a | 1,938a |
| Taxation charge | -324a | -337a |
| Profit for the year | 1,531a | 1,601a |
| Attributable to shareholders | 1,531a | 1,595a |
| Attributable to non-controlling interests | 46a | 6a |