Consolidated income statement

for the year ended 31 December

In EUR millions	Note	2009	2008

Interest and similar income		698	1,474
Interest expense and similar charges		634	1,267
NET INTEREST INCOME	2	64	207

Fee and commission income		33	45
Fee and commission expense		1	2
NET FEE AND COMMISSION INCOME	3	32	43

Dividend income	4	30	50
Net trading income	5	205	81
Gains less losses from financial assets	6	(19)	(57)
Share in result of associates	28	5	7
Other operating income	7	35	40
		256	121

OPERATING INCOME		352	371

Personnel expenses	8	99	125
Other operating expenses	9	71	73
Depreciation and amortisation	10	17	17
OPERATING EXPENSES		187	215

Impairments of corporate loans		59	42
Impairments of other interest bearing assets		65	20
IMPAIRMENTS	11	124	62

TOTAL EXPENSES		311	277

PROFIT BEFORE TAX		41	94

Tax	12	(2)	1
PROFIT AFTER TAX		43	93

Result attributable to minority interests	13	(1)	1

NET PROFIT ATTRIBUTABLE TO PARENT SHAREHOLDER		44	92