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27. Segmental information (continued)
ii By class of business
Retail and Other Eliminations
commercial financial and other
2024 banking services adjustments Total
Interest income 5,932 255 (51) 6,136
Interest expense (1,050) (71) 51 (1,070)
Net interest income 4,882 184 – 5,066
Other income 3,862 304 (2,065) 2,101
Share of profit of associated companies – – 9 9
Operating income 8,744 488 (2,056) 7,176
Other operating expenses (4,208) (19) 193 (4,034)
Operating profit 4,536 469 (1,863) 3,142
Credit loss expense on financial assets (2) (107) – (109)
Net monetary loss in hyperinflationary economies (25) – – (25)
Net profit before taxation 4,509 362 (1,863) 3,008
Taxation (660) (76) – (736)
Net profit after taxation 3,849 286 (1,863) 2,272
Investment in associated companies – – 78 78
Total assets 128,130 6,009 (15,599) 118,540
Total liabilities 104,939 2,848 (4,732) 103,055
Depreciation 425 1 3 429
Capital expenditure on premises and equipment 387 – – 387
Cash flow from operating activities 256 1,044 – 1,300
Cash flow (used in)/from investing activities (1,587) 798 – (789)
Cash flow from/(used in) financing activities 600 (2,043) – (1,443)
