Business segments
-
-
-
Wholesale
Asset
Domestic
banking and
management
retail
international
and
In millions of euros
banking
retail banking
investment
Leasing
Real estate
Other*
Total
For the year ended 31 December 2006
External income
7,731
1,582
894
1,304
492
(1,954)
10,049
Income from other segments
(2,180)
1,040
(58)
(462)
(248)
1,908
Total income
5,551
2,622
836
842
244
(46)
10,049
Segment expense
4,016
1,820
551
571
100
279
7,337
Operating profit before tax
1,535
802
285
271
144
(325)
2,712
Income tax expense
444
115
62
65
40
(359)
367
Net profit
1,091
687
223
206
104
34
2,345
Business unit assets
242,380
403,554
18,894
24,765
17,069
(153,457)
553,205
Investments in associates
12
460
11
11
56
2,700
3,250
Total assets
242,392
404,014
18,905
24,776
17,125
(150,757)
556,455
Business unit liabilities
226,552
394,688
17,238
22,670
16,377
(150,447)
527,078
Total liabilities
226,552
394,688
17,238
22,670
16,377
(150,447)
527,078
Additions to property and equipment
142
48
8
2,855
195
12
3,260
Depreciation and amortisation including
amortisation of software 152 51 11 21 3 103 341
Value adjustments 139 234 - 77 (1) 1 450
For the year ended 31 December 2005
External income
7,719
1,399
784
1,073
302
(1,914)
9,363
Income from other segments
(2,288)
827
(66)
(354)
(152)
2,033
Total income
5,431
2,226
718
719
150
119
9,363
Segment expense
3,910
1,536
468
484
42
319
6,759
Operating profit before tax
1,521
690
250
235
108
(200)
2,604
Income tax expense
497
117
76
57
30
(256)
521
Net profit
1,024
573
174
178
78
56
2,083
Business unit assets
219,777
368,147
14,179
20,757
9,101
(128,359)
503,602
Investments in associates
15
215
154
4
18
2,565
2,971
Total assets
219,792
368,362
14,333
20,761
9,119
(125,794)
506,573
Business unit liabilities
205,141
359,787
13,546
19,262
8,496
(126,008)
480,224
Total liabilities
205,141
359,787
13,546
19,262
8,496
(126,008)
480,224
Additions to property and equipment
115
40
16
10
4
222
407
Depreciation and amortisation including
amortisation of software
164
40
13
15
1
98
331
Value adjustments
175
259
92
1
(10)
517
Including elimination between segments for profit and loss account.
Annual figures 103
