Net interest income Net fee and commission income Charges in relation to client relationships and goodwill Acquisition-related costs Operating expenses Profit for the year attributable to equity holders of the company Dividends paid and proposed for the year per ordinary share Dividends paid and proposed for the year Cost of share-based payment arrangements Cost of vested employee remuneration and share plans Cost of own shares vesting Settlement balances (debtors) Prepayments, accrued income and other assets Settlement balances (creditors) Accruals and other liabilities Adjustments for gain (loss) on modification of leases Adjustments for defined benefit pension scheme credits Adjustments for defined benefit pension contributions paid Adjustments for net (increase)/decrease in loans and advances to banks and customers Adjustments for net decrease in settlement balance debtors Adjustments for net (increase)/decrease in prepayments, accrued income and other assets Adjustments for net (decrease)/increase in amounts due to customers and deposits by banks Adjustments for net (decrease)/increase in settlement balance creditors Adjustments for – net (decrease)/increase in accruals, provisions and other liabilities Net cash (outflow)/inflow from operating activites Net cash used in investing activities Net cash used in from financing activities Net decrease in cash and cash equivalents Description of accounting policy for merger reserve Disclosure of due to customers Disclosure of pension risk