| Dec'10 | Dec'09 | |||||
|---|---|---|---|---|---|---|
Operating income | ||||||
Net interest income | ||||||
Interest and fees on loans | ||||||
9,239 | 8,786 | |||||
Interest and dividends on securities (Note 7) | ||||||
1,634 | 1,591 | |||||
Interest and dividends on trading assets | ||||||
342 | 194 | |||||
Other interest income | ||||||
304 | 252 | |||||
Total interest income | ||||||
11,519 | 10,825 | |||||
Interest on deposits | ||||||
3,623 | 3,599 | |||||
Interest on short-term borrowings (Note 13) | ||||||
333 | 476 | |||||
Interest on secured borrowings | ||||||
199 | 284 | |||||
Interest on long-term debt | ||||||
1,894 | 1,957 | |||||
Other interest expense | ||||||
8 | 21 | |||||
Interest expense | ||||||
6,059 | 6,338 | |||||
Net insurance loss | ||||||
Net interest income | ||||||
5,460 | 4,487 | |||||
Provision for credit losses (Note 8) | ||||||
595 | 1,891 | |||||
Net interest income after provision for credit losses | ||||||
4,865 | 2,595 | |||||
Commissions and fees (Note 18) | ||||||
2,336 | 2,320 | |||||
Net trust management fees | ||||||
36 | 59 | |||||
Net trading profits (losses) (Note 6) | ||||||
828 | -444 | |||||
Net gains on securities (Note 7) | ||||||
655 | 276 | |||||
Gross impairment losses on debt securities | ||||||
8 | 12 | |||||
Less: Impairment recognized in OCI | ||||||
- | 0 | |||||
Net impairment losses on debt securities | ||||||
8 | 11 | |||||
Income from other investment | ||||||
293 | 229 | |||||
Net gains (losses) on foreign exchange | ||||||
-362 | 821 | |||||
Insurance income | ||||||
920 | 1,056 | |||||
Other (Note 19) | ||||||
429 | 576 | |||||
Total non-interest income | ||||||
5,129 | 4,885 | |||||
Employee compensation and other benefits (Note 27) | ||||||
1,711 | 1,719 | |||||
Depreciation and amortization (Notes 9 and 10) | ||||||
534 | 613 | |||||
General and administrative expenses | ||||||
917 | 746 | |||||
Credit card fees | ||||||
773 | 637 | |||||
Provision (reversal) for other losses | ||||||
51 | 142 | |||||
Insurance fees on deposits | ||||||
169 | 138 | |||||
Other fees and commission expense | ||||||
420 | 390 | |||||
Taxes (except income taxes) | ||||||
158 | 123 | |||||
Insurance operating expense | ||||||
1,547 | 1,251 | |||||
Other (Note 19) | ||||||
705 | 371 | |||||
Total non-interest expense | ||||||
6,989 | 6,133 | |||||
Income (Loss) before income tax expense and undistributed net income (loss) of subsidiaries | ||||||
3,006 | 1,347 | |||||
Income tax expense (Note 24) | ||||||
510 | 364 | |||||
Profit for the year | ||||||
2,495 | 982 | |||||
Other comprehensive income (loss) for the year, net of income tax | ||||||
Earnings per share: | ||||||
Net income attributable to noncontrolling interests | ||||||
-20 | 8 | |||||
Net income (loss) attributable to the Group | ||||||
2,515 | 974 | |||||
Net income per share | ||||||
4.84 | 1.68 | |||||
Net income per share | ||||||
4.73 | 1.67 | |||||
Average common shares issued and outstanding | ||||||
474 | 461 | |||||
Average diluted common shares issued and outstanding | ||||||
488 | 476 | |||||