| Assets | (Note no.) | Dec. 31, 2019 € million | Dec. 31, 2018 € million |
|---|---|---|---|
| Cash and cash equivalents | 15. | 87,421 | 75,169 |
| Loans and advances to banks | 16. | 22,439 | 18,800 |
| Loans and advances to customers | 16. | 844,552 | 794,916 |
| Hedging instruments (positive fair values) | 17. | 201 | 883 |
| Financial assets held for trading | 18. | 44,335 | 37,500 |
| Investments | 19. | 248,509 | 239,083 |
| Loss allowances | 20. | –9,119 | –8,988 |
| Investments held by insurance companies | 21. | 112,554 | 99,855 |
| Property, plant and equipment, investment property, and right-of-use assets | 22. | 13,233 | 12,241 |
| Income tax assets | 23. | 3,972 | 4,359 |
| Other assets | 24. | 15,991 | 19,359 |
| Total assets | 1,384,088 | 1,293,177 |
| Equity and liabilities | (Note no.) | Dec. 31, 2019 € million | Dec. 31, 2018 € million |
|---|---|---|---|
| Deposits from banks | 25. | 119,955 | 119,300 |
| Deposits from customers | 25. | 880,398 | 842,420 |
| Debt certificates issued including bonds | 26. | 79,610 | 56,111 |
| Hedging instruments (negative fair values) | 17. | 5,383 | 5,962 |
| Financial liabilities held for trading | 27. | 49,202 | 42,451 |
| Provisions | 28. | 13,304 | 12,365 |
| Insurance liabilities | 29. | 104,346 | 93,252 |
| Income tax liabilities | 23. | 1,511 | 1,408 |
| Other liabilities | 30. | 10,675 | 9,464 |
| Subordinated capital | 31. | 3,691 | 2,740 |
| Equity | 32. | 116,013 | 107,704 |
| Equity of the Cooperative Financial Network | 113,394 | 105,176 | |
| Subscribed capital | 12,919 | 12,332 | |
| Capital reserves | 766 | 722 | |
| Retained earnings | 90,735 | 85,954 | |
| Reserve from other comprehensive income | 1,984 | 863 | |
| Additional equity components | 114 | – | |
| Unappropriated earnings | 6,876 | 5,305 | |
| Non-controlling interests | 2,619 | 2,528 | |
| Total equity and liabilities | 1,384,088 | 1,293,177 |