Income statement (in millions of EUR)	FY 2016	FY 2017	FY 2018	FY2019
Net interest income	2 701	2 394	2 576	2 516
Non-life insurance (before reinsurance)	440	526	527	494
Earned premiums	1 012	1 043	1 070	1 115
Technical charges	-572	-516	-543	-621
Life insurance (before reinsurance)	-208	-132	-110	-95
Earned premiums	1 217	927	998	1 000
Technical charges	-1 425	-1 059	-1 108	-1 095
Ceded reinsurance result	-12	-15	-26	-2
Dividend income	61	52	74	78
Net result from financial instruments at fair value through profit or loss	329	539	101	177
Net realised result from available-for-sale assets / Net realised result from debt instruments at fair value through OCI	90	123	0	4
Net fee and commission income	1 070	1 290	1 182	1 182
Other net income	208	174	225	187
TOTAL INCOME	4 680	4 953	4 549	4 542
Operating expenses	-2 432	-2 452	-2 484	-2 485
Impairment	-179	-116	-93	-244
Share in results of associated companies and joint ventures	0	-13	-8	-6
RESULT BEFORE TAX	2 070	2 372	1 963	1 807
Income tax expense	-637	-797	-513	-463
Net post-tax result from discontinued operations	0	0	0	0
RESULT AFTER TAX	1 433	1 575	1 450	1 344
attributable to minority interests	0	0	0	0
attributable to equity holders of the parent	1 432	1 575	1 450	1 344

Income statement (in millions of EUR)	FY 2016	FY 2017	FY 2018	FY 2019
Net interest income	849	888	1 043	1 277
Non-life insurance (before reinsurance)	78	86	103	115
Earned premiums	190	216	248	281
Technical charges	-112	-130	-145	-166
Life insurance (before reinsurance)	36	48	58	54
Earned premiums	271	260	260	228
Technical charges	-234	-212	-202	-174
Ceded reinsurance result	-4	-4	-8	-5
Dividend income	0	0	1	1
Net result from financial instruments at fair value through profit or loss	117	222	72	-85
Net realised result from available-for-sale assets / Net realised result from debt instruments at fair value through OCI	48	17	0	0
Net fee and commission income	191	192	257	254
Other net income	18	40	14	102
TOTAL INCOME	1 333	1 490	1 540	1 714
Operating expenses	-608	-646	-729	-770
Impairment	-24	-24	-42	-17
Share in results of associated companies and joint ventures	23	21	19	8
RESULT BEFORE TAX	724	842	788	935
Income tax expense	-128	-140	-134	-146
Net post-tax result from discontinued operations	0	0	0	0
RESULT AFTER TAX	596	702	654	789
attributable to minority interests	0	0	0	0
attributable to equity holders of the parent	596	702	654	789

Income statement (in millions of EUR)	FY 2016	FY 2017	FY 2018	FY 2019
Net interest income	740	837	896	863
Non-life insurance (before reinsurance)	91	83	117	136
Earned premiums	198	224	254	315
Technical charges	-107	-141	-137	-179
Life insurance (before reinsurance)	20	25	34	36
Earned premiums	89	85	101	95
Technical charges	-69	-60	-67	-60
Ceded reinsurance result	-6	9	-11	-8
Dividend income	0	1	0	0
Net result from financial instruments at fair value through profit or loss	89	95	74	48
Net realised result from available-for-sale assets / Net realised result from debt instruments at fair value through OCI	38	3	0	2
Net fee and commission income	201	232	284	301
Other net income	-1	-112	17	-11
TOTAL INCOME	1 173	1 173	1 412	1 367
Operating expenses	-750	-837	-909	-932
Impairment	34	190	118	12
Share in results of associated companies and joint ventures	0	4	5	5
RESULT BEFORE TAX	457	529	626	452
Income tax expense	-29	-85	-93	-73
Net post-tax result from discontinued operations	0	0	0	0
RESULT AFTER TAX	428	444	533	379
attributable to minority interests	0	0	0	0
attributable to equity holders of the parent	428	444	533	379

Belgium Business Unit

Czech republic Business Unit