Financial results > Annual results announcement > Highlights - Other annual results - Consolidated income statement Headline earnings Consolidated balance sheet Consolidated statement of changes in shareholders' funds Consolidated cash flow information Financial statistics Commentary on results Segmental report Declaration of dividend No. 67 Accounting policies Highlights Headline earnings 19% up Headline earnings per share 18% higher Cost-to-income ratio 57,3% Return on equity 20,3%     Disclaimer | Conditions of access | Privacy and security statement