| Net interest income | 5,574a | 5,473a |
| Interest income | 19,746a | 20,170a |
| Interest expense | -14,172a | -14,697a |
| Insurance revenues before reinsurance | 2,945a | 2,679a |
| Non-life | 2,482a | 2,280a |
| Life | 463a | 399a |
| Dividend income | 57a | 59a |
| Net result from financial instruments at fair value through profit or loss and insurance finance income and expense (for insurance contracts issued) | -168a | 9a |
| Net result from financial instruments at fair value through profit or loss | 173a | 322a |
| Insurance finance income and expense (for insurance contracts issued) | -341a | -313a |
| Net fee and commission income | 2,578a | 2,349a |
| Fee and commission income | 3,253a | 2,991a |
| Fee and commission expense | -675a | -642a |
| Net other income | 181a | 656a |
| Total income | 11,167a | 11,224a |
| Operating expenses (excluding directly attributable to insurance contracts) | -4,565a | -4,616a |
| Total operating expenses excluding bank and insurance tax | -4,474a | -4,438a |
| Bank and insurance tax | -623a | -687a |
| Less: operating expenses attributed to insurance service expenses | -532a | -509a |
| Insurance service expenses before reinsurance | -2,475a | -2,120a |
| Of which: insurance commissions paid | -383a | -340a |
| Non-life | -2,179a | -1,870a |
| Of which non-life claim-related expenses | -1,414a | -1,157a |
| Life | -296a | -251a |
| Net result from reinsurance contracts held | -17a | -90a |
| Impairment | -248a | -215a |
| On financial assets at amortised cost and at fair value through OCI | -199a | -16a |
| On goodwill | 0a | -109a |
| Other | -49a | -122a |
| Share in results of associated companies and joint ventures | 80a | -4a |
| Result before tax | 3,941a | 4,179a |
| Income tax expense | -527a | -778a |
| Net post-tax result from discontinued operations | 0a | 0a |
| Result after tax | 3,414a | 3,401a |
| Attributable to minority interests | -1a | -1a |
| Attributable to equity holders of the parent | 3,415a | 3,402a |