Segment analyses

Segment analyses provide more detailed information about the Group's business areas and balance sheet structure.

Income analysis by segments Net interest income Net fee income Net trading income Total other income Total income Geographical breakdown of net interest income	Cost/expenses analysis by segments Staff costs Operating expenses Total IT expenses Other costs Full time employees	Profitability analysis by segments Profit before credit loss expenses Profit before tax Cost/income ratio Profit as % of allocated cap.Return on Equity Earnings per share	Analysis of deposit portfolio Breakdown by segments Geographical breakdown	Analysis of lending portfolio Breakdown by segments Geographical breakdown Impairment charges and non performing loans Credit loss expenses Changes in accumulated impairment charges