Key income statement and balance sheet items, and financial indicators

€ million	2011	2012	2013	2014	2015
Key income statement items, € million
Net interest income	1,030	1,003	915	1,043	1,026
Net income from Non-life Insurance	307	428	518	589	639
Net income from Life Insurance	72	108	175	197	278
Net commissions and fees	551	558	664	707	704
Other income	171	241	265	217	248
Personnel costs	689	764	791	741	781
Other expenses	639	698	769	814	739
Impairment loss on receivables	101	99	84	88	78
Returns to owner-customers	176	192	193	195	195
Earnings before tax	525	586	701	915	1,101
Key balance sheet items - Assets, € million
Receivables from credit institutions	1,104	840	849	686	425
Receivables from customers	60,331	65,161	68,142	70,683	75,192
Non-life Insurance assets	3,205	3,492	3,479	3,797	4,067
Life Insurance assets	7,006	9,173	9,872	11,238	13,858
Financial assets at fair value through profit or loss and investment assets	8,624	6,954	9,290	9,927	13,351
Property, plant and equipment, and intangible assets	1,871	2,030	2,065	2,113	2,238
Other assets	9,765	12,120	7,294	11,983	16,014
Total assets	91,905	99,769	100,991	110,427	125,145
Key balance sheet items - Liabilities and equity, € million
Liabilities to credit institutions	1,783	1,965	1,039	1,776	1,673
Liabilities to customers	45,974	49,650	50,157	51,163	58,220
Debt securities issued to the public	20,005	19,270	21,428	24,956	27,706
Subordinated liabilities	1,555	1,736	1,466	1,212	1,696
Non-life Insurance liabilities	2,508	2,592	2,746	2,972	3,159
Life Insurance liabilities	6,932	8,970	9,771	11,230	13,532
Other liabilities	6,907	8,452	6,660	9,904	9,836
Equity capital	6,242	7,134	7,724	7,213	9,324
Total liabilities and equity capital	91,905	99,769	100,991	110,427	125,145
Key ratios, %
Return on equity	6.8	7.0	8.9	8.1	10.3
Return on equity at fair value	0.4	14.1	8.7	5.7	13.2
Return on assets	0.5	0.5	0.7	0.6	0.7
Equity ratio	6.8	7.2	7.6	6.5	7.5
Cost/income ratio	64	64	61	56	53
Common Equity Tier 1 ratio, %	14.0	14.8	17.3	15.1	19.5
Capital adequacy ratio, %	14.0	14.8	17.3	17.3	22.9
Capital adequacy under the Act on the Supervision of Financial and Insurance Conglomerates	180	190	190	189	207

*) The ratios for 2011-13 are shown without transitional provisions, and Core Tier 1 is presented as Common Equity Tier 1.