All figures in US$ million

Three months
1 July to 30 September

Nine months
1 January to 30 September

2005

2004

2005

2004

OPERATING INCOME

Interest income

191 

131 

494 

361 

Interest expense

(139)

(92)

(355)

(252)

Net interest income

52 

39 

 139 

109 

Other operating income

43 

39 

111 

124 

Total operating income

95 

78 

250 

233 

Writeback / (provision) for impairment - net

(1)

- 

12 

(6)

NET OPERATING INCOME AFTER PROVISIONS

94 

78 

262 

227 

OPERATING EXPENSES

Staff

32 

29 

92 

85 

Premises and equipment

6 

5 

17 

17 

Other

14 

15 

36 

41 

Total operating expenses

52 

49 

145 

143 

PROFIT BEFORE TAXATION

42 

29 

117 

84 

Taxation on foreign operations

(3)

(3)

(14)

(7)

NET PROFIT FROM CONTINUING OPERATIONS

39 

26 

103 

77 

Discontinued Operations (subsidiaries sold in 2004)

Profit from discontinued operations
- net of tax 2004: US$ 303 million

- 

- 

- 

455 

NET PROFIT FROM DISCONTINUED OPERATIONS

- 

- 

- 

455 

NET PROFIT FOR THE PERIOD BEFORE
MINORITY INTERESTS

39 

26 

103 

532 

Income attributable to minority interests

(2)

(1)

(5)

(1)

INCOME ATTRIBUTABLE TO THE SHAREHOLDERS OF THE PARENT

37 

25 

98 

531 

Earnings per share (expressed in US dollars)

0.37 

0.25 

0.98 

5.31