Consolidated balance sheet

at 31 December

in EUR millions	Note	2009	2008

Assets

FINANCIAL ASSETS AT AMORTISED COST
Cash and balances with central banks	14	1,353	1,113
Due from other banks	15	3,094	1,770
Loans and receivables
Loans	16	6,633	6,303
Debt investments	17	581	738
Securitised loans	18	616	630

FINANCIAL ASSETS AT AVAILABLE FOR SALE
Equity investments	19	94	108
Debt investments	20	714	35

FINANCIAL ASSETS AT FAIR VALUE THROUGH PROFIT OR LOSS (INCLUDING TRADING)
Loans	21	1,103	1,136
Residential mortgages own book	22	5,817	6,201
Securitised residential mortgages	23	4,783	5,250
Debt investments	24	804	732
Enhanced investments	25	53	1,079
Equity investments (including investments in associates)	26	215	188
Derivative financial assets held for trading	27	2,816	3,137
Derivative financial assets used for hedging	27	242	215

OTHER
Investments in associates (equity method)	28	35	40
Intangible assets	29	40	44
Property, plant and equipment	30	101	102
Investment property	31	28	30
Current tax	32	14	6
Other assets	34	53	80


TOTAL ASSETS		29,189	28,937

in EUR millions	Note	2009	2008

Liabilities

FINANCIAL LIABILITIES AT AMORTISED COST
Due to other banks	35	2,601	5,537
Deposits from customers	36	4,332	2,293
Own debt securities in issue	37	8,836	5,974
Debt securities in issue related to securitised mortgages	38	5,231	5,835

FINANCIAL LIABILITIES AT FAIR VALUE THROUGH PROFIT OR LOSS (INCLUDING TRADING)
Own debt securities in issue	39	85	168
Debt securities in issue structured	40	2,453	3,110
Derivative financial liabilities held for trading	27	3,133	3,439
Derivative financial liabilities used for hedging	27	80	42

OTHER
Other liabilities	41	214	158
Deferred tax	33	22	39
Employee benefits	42	5	8

SUBORDINATED LIABILITIES
Amortised cost	43	132	229
Fair value through profit or loss	44	369	467
TOTAL LIABILITIES		27,493	27,299

SHAREHOLDER'S EQUITY
Share capital	45	80	80
Other reserves	45	281	274
Retained earnings		1,273	1,175
Net profit attributable to parent shareholder		44	92
TOTAL PARENT SHAREHOLDER'S EQUITY		1,678	1,621
Minority interests		18	17
TOTAL SHAREHOLDER'S EQUITY		1,696	1,638

TOTAL LIABILITIES AND SHAREHOLDER'S EQUITY		29,189	28,937