Profit or loss Net interest income Net fee and commission income Net trading income Insurance premium income Other operating income Total income Insurance claims Total income, net of insurance claims Operating expenses Impairment credit (charge) Profit before tax Tax (expense) credit Profit for the year Profit attributable to ordinary shareholders Profit attributable to other equity holders Profit attributable to equity holders Profit attributable to non-controlling interests Basic earnings per share Diluted earnings per share Statement of comprehensive income Remeasurements before tax Tax Post-retirement defined benefit scheme remeasurements, net of tax Change in fair value Tax Losses before tax Tax Gains and losses attributable to own credit risk, net of tax Effective portion of changes in fair value taken to other comprehensive income Net income statement transfers Tax Movements in cash flow hedging reserve, net of tax Currency translation differences (tax: £nil) Transfers to income statement (tax: £nil) Movements in foreign currency translation reserve, net of tax Total other comprehensive income for the year, net of tax Total comprehensive income for the year Total comprehensive income attributable to other equity holders Total comprehensive income attributable to ordinary shareholders Total comprehensive income attributable to non-controlling interests Change in fair value Income statement transfers in respect of disposals Income statement transfers in respect of impairment Tax Statement of financial position Cash and balances at central banks Items in the course of collection from banks Derivative financial instruments Reverse repurchase transactions Debt securities Investments in joint ventures and associates Value of in-force business Current tax recoverable Retirement benefit assets Total assets Customer deposits Repurchase agreements at amortised cost Items in course of transmission to banks Derivative financial instruments Notes in circulation Debt securities in issue Liabilities arising from insurance contracts and participating investment contracts Liabilities arising from non-participating investment contracts Retirement benefit obligations Total liabilities Share capital Share premium account Retained profits Ordinary shareholders’ equity Other equity instruments Total equity excluding non-controlling interests At 31 December 2021 Total equity and liabilities Share capital and premium Sahre capital and premium Ordinary shareholders' equity Shareholders' ordinary equity Statement of changes in equity At 1 January 2020 Debt securities Equity shares Dividends Distributions on other equity instruments Issue of ordinary shares Redemption of preference shares Movement in treasury shares Share option schemes Other employee award schemes Changes in non-controlling interests Total transactions with owners Realised gains and losses on equity shares held at fair value through other comprehensive income At 31 December 2021 Share buyback Issue of other equity instruments (note 42) Statement of cash flows Change in operating assets Change in operating liabilities Non-cash and other items Tax paid (net) Net cash provided by operating activities Purchase of financial assets Proceeds from sale and maturity of financial assets Purchase of fixed assets Proceeds from sale of fixed assets Acquisition of businesses, net of cash acquired Net cash used in investing activities Dividends paid to ordinary shareholders Interest paid on subordinated liabilities Proceeds from issue of other equity instruments Share buyback Repayment of subordinated liabilities Redemption of other equity instruments Net cash used in financing activities Effects of exchange rate changes on cash and cash equivalents Change in cash and cash equivalents Cash and cash equivalents at beginning of year