(All figures in US$ million)

Three months ended
1 April to 30 June

Six months ended
1 January to 30 June

2006

2005

2006

2005

OPERATING INCOME

Interest income

309 

162 

553 

303 

Interest expense

(247)

(115)

(432)

(216)

Net interest income

62 

47 

 121 

87 

Other operating income

34 

34 

108 

68 

Total operating income

96 

81 

229 

155 

Writeback / (provision) for impairment - net

28 

8 

27 

13 

NET OPERATING INCOME AFTER PROVISIONS

124 

89 

256 

168 

OPERATING EXPENSES

Staff

51 

30 

90 

60 

Premises and equipment

6 

6 

12 

11 

Other

15 

11 

27 

22 

Total operating expenses

72 

47 

129 

93 

PROFIT BEFORE TAXATION

52 

42 

127 

75 

Taxation on foreign operations

(5) 

(7) 

(12)

(11)

NET PROFIT FOR THE PERIOD

47 

35 

115 

64 

Income attributable to minority interests

(2)

(1)

(4)

(3)

INCOME ATTRIBUTABLE TO THE SHAREHOLDERS OF THE PARENT

45 

34 

111 

61 

Earnings per share (expressed in US dollars)

0.45 

0.34 

1.11 

0.61