Interim Results

Banco Santander Central Hispano SA
9 August 2001

                     BANCO SANTANDER CENTRAL HISPANO NET 
                 ATTRIBUTABLE INCOME ROSE 33.6% IN 1ST HALF 
                      2001 TO 1,381.9 MILLION EUROS

Strong growth in all margins, effective cost control, sizeable provisioning and
a highly diversified earnings base were the identifying features of Group
results

MADRID, July 25, 2001 - Banco Santander Central Hispano first quarter group net
attributable income rose 33.6% to 1,381.9 million euros (Ptas. 229,923 million).
Earnings per share rose to 0.30 euros from 0.26.

The results achieved during the first half of the year, firmly in line with
objectives, have enabled senior management to fix a new phase for Group strategy
for the period 2002-2003. In this respect, the Board meeting on June 26 adopted
the following decisions:

1. Approve a new operating plan, Programme TWO, starting immediately and setting
targets for the years 2002 and 2003
2. Unify the networks and commercial brands of Banco Santander and BCH under a
single denomination, Banco Santander Central Hispano 'BSCH', segmented in two
divisions: one specialising in individual customers and the other in companies
and institutional clients
3. Begin a process of delisting Banesto shares. The bank will complement the
retail banking activities in Spain of the other two networks, taking advantage
of its strong performance and better prospects as an independent franchise
4. In the context of Programme TWO, close an additional 1,000 offices in Spain,
which added to the approximately 1,4000 already closed, brings to 2,400 the
number closed since the merger. Steps will also be taken to rationalize property
and buildings in Spain and Latin America, as well as additional early
retirements among senior management.

In July, the first steps were taken to unify and optimize the retail banking
networks: the structure of the divisions covering individual customers and
companies was defined and first and second tier management posts named; customer
segmentation has been carried out, new operational objectives set and
implemention of a unified commercial model has begun.

                          Programme TWO: Objectives 2003

Net attributable income                                      Ptas.700 billion
                                                           (4.2 billion euros)

EPS (annual rise 2002/2003)                                               20%

Cost reduction (in real terms)                               Ptas.150 billion
                                                           (900 million euros)

Efficiency ratio                                                          45%

ROE                                                                   +400 bp

BIS ratio                                                                >12%


 RESULTS - FIRM PROGRESS TOWARDS YEAR'S OBJECTIVES

Net interest income rose 38.4% to 5,152.5 million euros (Ptas. 857,307 million),
a result of increased volumes reflecting both the incorporation of newly
acquired banks and also improved margins in the Spanish market as a result of
higher short term interest rates. The customer margin for retail banking
(including Banesto) for the first half of 2001 surpassed the same period of last
year by 41 basis points, reflecting consistent increases in the past few
quarters.

Commissions rose 24.9% to 2,341.8 million euros (Ptas. 389,643 million), with
stronger contributions from managed funds, credit and debit cards, contingent
liabilities, cheques, transfers and other operations. Securities and custody was
the only segment that underperformed, due to reduced market activity.

Basic revenue rose 33.9% to 7,494.3 million euros (Ptas. 1,246,950 million),
with commissions accounting for more than 31% of the total. Trading gains came
to 446.9 million euros (Ptas. 74,360 million), reflecting favourable performance
from portfolios in Spain and in the foreign subsidiaries, and marking notable
stability in the last four quarters. Net operating revenues rose 35.2% to
7,941.2 million euros (Ptas. 1,321,310 million), with improvements across the
board, while net interest income and fees made up 94% of the total.

General expenses: efficiency ratio improved 211 basis points over same period of
2000, approaching goal of 53% for this year

An increase of 34.6% in general administrative and personnel expenses
essentially reflected recent acquisitions and new projects: excluding the impact
of an increased perimeter and exchange rate fluctuations, personnel costs fell
0.9% and general expenses by 7.2% in relation to the monthly average for 2000.

The Group still has considerable potential for cost reduction through branch
network integration, redimensioning corporate centres and improving efficiency
in recently incorporated banks. In this respect, and in line with the recently
adopted Programme TWO, a series of additional measures have been included to
reduce general expenses, which will be reflected in the coming quarters.

Group efficiency ratio stood at 54%, substantially improving the figure for the
full year 2000, which partially incorporates the impact of consolidation of
newly acquired banks. This was especially marked in the second quarter, when the
ratio improved to 52.4%.

Net operating income rose 36.5% to 3,061.9 million euros (Ptas. 509,461
million), with income from equity accounted holdings contributing 506.2 million
euros, 4.5% less than in the first half of 2000 which included 51 million euros
from the sale of fixed assets by Agapsa, which is part owned by Banespa. In view
of their non-recurring nature, the excluding this item there was an increase of
5.6% fundamentally from a higher contribution from The Royal Bank of Scotland.

Earnings from Group operations came to 333.0 million euros, mostly from the sale
of a 0.5% shareholding in The Royal Bank of Scotland. These gains had no impact
on Group profit as they were assigned to accelerated goodwill amortization.

Total writedowns and provisions came to 2,136.8 million euros, with net loan
loss and country risk provisions rising 187.6% to 835.1 million euros (Ptas.
138,941 million). Set asides for the special fund for loan loss cover, under
recent Bank of Spain norms, which were not in force last year, came to 225.1
million euros, with a particular focus on retail banking in Spain, Banesto, and
Latin America. Goodwill amortization came to 1,303.1 million euros (Ptas.
216,820 million), compared to 115.1 million euros in the same period last year.

This increase relates to acquisitions in Europe and Latin America with 982.8
million euros in accelerated amortization, mainly for Banespa, that was financed
from capital gains realized from the sale of shares in The Royal Bank of
Scotland and Vodafone. Other results include various amounts set aside for the
purpose of strengthening the balance sheet, and include 789.7 million euros at
the end of June representing the portion accounted for in the first half for the
divestment of 1.09% in Vodafone.

Pre-tax income rose 32.1% to 2,375.3 million euros (Ptas. 395,220 million), and
net income rose 29.97%% to 1,865.6 million, as a result of which ROA increased
to 1.05%. Net attributable income, after minorities and preferred dividends,
rose 33.6% to 1,381.9 million euros (Ptas. 229,923 million). Commercial banking
made up 59% of the total, Global Wholesale Banking 11%, Asset Management and
Private Banking 8%, alliances 15% and the industrial portfolio 7%.

Latin America recorded net attributable income of US$827 million, excluding
financing costs and goodwill amortization. Acquisitions in 2000, as well as
organic growth, enabled the Group to achieve an average market share of 10% in
customer business (comprising deposits, loans, mutual funds and pension funds).
This year the focus is on organic growth, both on and off balance sheet.
Nonetheless, the slowing of economic growth as well as depreciation of local
currencies against the US dollar (except the Mexican peso) has reflected in a
slower rate of deposit growth expressed in the US currency. The Group will
continue to concentrate on improving profit and efficiency ratios, and on
raising market share, especially in deposits.

Banesto performed in line with objectives set for the year. Pre-tax income rose
23.1% to 268.1 million euros (Ptas. 44,614 million).

BALANCE SHEET - STRONG INTERNATIONAL GROWTH

Total Group assets at March 31, 2001 were 15.3% higher than at the same time
last year, at 365,729 million euros (Ptas. 60.85 trillion), reflecting both new
incorporations and increased activity. Total managed funds rose 15.3% to 463,040
million euros (Ptas, 77.04 trillion). This growth reflects the integration of
Banco Caracas and Banespa, which contributed a combined 17,837 million euros
(Ptas. 3.0 trillion) In loans they accounted for an additional 3,953 million
euros (Ptas. 658 billion) and 10,979 million euros (Ptas. 1.8 trillion) in
customer funds.

Total customer funds rose 19.0% to 331,871 million euros (Ptas. 55.22 trillion),
excluding new acquisitions mostly in the non-resident sector the rise was 15%.
On balance sheet customer funds rose 20.6% in the 12 month period, reflecting a
8.3% increase in resident sector deposits and a 21.7% rise in non-resident
deposits, as well as a 41.6% rise in the volume of securities issued. In the
resident sector there were sizeable increases in the public sector and time
deposits.

Among off balance sheet items, mutual funds grew strongly both in Spain and
abroad, and the Group consolidated its domestic leadership with a one percentage
point rise in market share to over 26% compared to the previous 12 months. Total
pension funds under management rose 34.4% over June 2000 to 20,592 million euros
(Ptas. 3.43 trillion): almost three quarters of the total corresponds to Latin
America where the Group is undertaking strong expansion and already has a
significant presence in Argentina, Chile, Colombia, Mexico, Peru and Uruguay. In
Spain, the Group continues to concentrate on individual pension plans, with a
market share of 20%.

Gross loans rose 12.3% to 181,241 million euros (Ptas. 30.16 trillion). Other
resident sectors increased 7.4%, but excluding the effect of securitization
operations, the rise would have been 11%. Loans to non-resident sectors rose
17.4%.

Non-performing loan ratio stood at 2.13%, an improvement of 13 basis points on
the December 2000 level and 28 bp over June 2000. Excluding NPLs backed by
mortgage guarantees, the ratio declines to 1.94%, and in Spain the ratio was
just 0.76%, while in Latin America it declined 53 basis points to 3.99% from the
level for the end of 2000 and 113 bp from June 2000. The provision cover rate
came to 137.1%, 24.1 points higher than in June 2000.

BIS ratio increased to 11.65%, with a surplus equity over statutory requirements
of 7,552 million euros (Ptas. 1.3 trillion).

At June 30, 2001, total capital under BIS criteria stood at 24,094 million euros
(Ptas.4.0 trillion). The BIS ratio thus stood at 11.65% (Tier 1 was 8.1%), and
surplus equity over minimum required levels stood at 7,552 million euros (Ptas.
1.3 trillion). Two subordinated debt issues were launched during the period for
a total of 1 billion euros over 10 years, another issue of perpetual
subordinated debt of 200 million euros was made and the issue of 1.3 million new
ordinary shares (0.03% of capital) were issued with a paid-in surplus of 1.79
euros each, in the context of an incentives programme for young executives.

Shares, shareholders and dividends

The Santander Central Hispano share closed the quarter at 10.70 euros (Ptas.
1,780), giving a market capitalization of 48,808 million euros (Ptas. 8.12
trillion), with a total of of 983,525 shareholders. Residents in Spain accounted
for 44.7% of the total.

On April 30, a final dividend for 2000 was paid out, for 0.0752 euros per share
(Ptas. 12.5), giving a total dividend for the year 2000 of 0.2735 euros (Ptas.
45.5), an increase of 20.2% over the previous year. On July 31, a first interim
dividend for 2001 of 0.0751 euros (Ptas. 12.5) will be paid, representing a rise
of 13.6% over the first payment applicable for the year 2000.

Attachments:
Key Group Data
Consolidated income statement
Balance sheet
Shareholders' equity and capital ratios
Loans
Customer funds.

Key Group Data
Balance Sheet                   30.06.2001      30.06.2000 2001/2000  31.12.2000
                           mln ptas. mln euros  mln euros      %      mln euros

Total Assets              60,852,186 365,729.0  317,268.2   15.27     348,928.0
     
Loans (net)               29,216,800 175,596.5  156,744.2   12.03     169,384.2
     
Customer funds            55,218,703 331,871.1  278,860.9   19.01     303,098.5

  Customer funds 
  on balance sheet        39,027,511 234,560.1  194,423.9   20.64     214,450.3

  Mutual Funds            11,420,673  68,639.5   61,468.2   11.67      65,011.9
     
  Pension Funds            3,426,306  20,592.5   15,317.9   34.43      16,397.3
     
  Managed portfolios       1,344,213   8,078.9    7,650.9    5.59       7,238.9
                      
Equity                     3,261,009  19,599.1   13,365.0   46.65      17,797.9

Total managed funds       77,043,378 463,040.0  401,705.2   15.27     437,576.1
     

Results
                             January-Jun.2001  Jan-Jun.00  2001-2000       2000
                           Mln ptas. Mln euros  Mln euros      %      Mln euros
   
Net interest revenue        857,307    5,152.5  3,723.1     38.39       8,289.6
     
Basic revenue             1,246,950    7,494.3  5,598.5     33.86      12,302.6

Operating income            509,461    3,061.9  2,243.7     36.46       4,688.6

Pre-tax profit              395,220    2,375.3  1,798.2     32.10       3,774.0

Net attributable income     229,923    1,381.9  1,034.1     33.63       2,258.1
     

Key Group Data, cont.

Ratios

                              30.06.01   30.06.01      30.06.00      31.12.00

ROA                                          1.05          1.00          0.99

ROE                                         19.33*        23.51         20.86*

Efficiency                                  54.00         54.26         56.11

BIS Ratio                                   11.65          9.95         10.86

Tier 1                                       8.06          7.31          7.64

NPL ratio                                    2.13          2.41          2.26

NPL cover ratio                            137.09        112.99        123.04

Shareholders and shares

Number of shareholders                    983,525       818,959     1,018,062

Number of shares (millions)                 4,562         4,107         4,560

Share price (Pesetas, euros)     1,780      10.70         11.05         11.40

Market capitalization 
(millions of pesetas, euros) 8,121,041  48,808.4       45,382.8      51,986.7

Net attributable income per share 50.4      0.30           0.26          0.54

PER (market cap/net earnings per share)    17.66          21.94         23.02

Other data
  
Number of offices                         10,302          9,857        10,827

   Spain                                   5,164          5,884         5,518

   Abroad                                  5,138          3,973         5,309

Number of employees                      120,892        110,332       129,640

   Spain                                  42,060         44,072        43,059

   Abroad                                 78,832         66,260        86,581

* In calculating ROE, average equity does not include 'anticipated voluntary
reserves'. Including them, the ratio is 15.3% in June 2001, 22.3% in June 2000
and 17.6% in December 2000.


 Consolidated income   Jan-Jun 2001  Jan-Jun 2001  Jan-Jun 2001 Jan-Jun 00 01/00
 statement                 mln ptas.    mln euros       %ATA      mln euros    %

NET INTEREST REVENUE       857,307      5,152.5       2.90       3,723.1  38.39

Net fees and commissions   389,643      2,341.8       1.32       1,875.4  24.87

BASIC REVENUE            1,246,950      7,494.3       4.21       5,598.5  33.86

Trading gains               74,360        446.9       0.25         275.5  62.21

Net operating revenues   1,321,310      7,941.2       4.46       5,874.0  35.19

Personnel and 
general expenses          (713,451)    (4,287.9)     (2.41)     (3,187.0) 34.55

a) Personnel              (446,722)    (2,684.9)     (1.51)     (2,018.0) 33.04

b) General expenses       (266,729)    (1,603.1)     (0.90)     (1,168.9) 37.14

Depreciation               (98,398)      (591.4)     (0.33)       (443.3) 33.41

NET OPERATING INCOME       509,461      3,061.9       1.72       2,243.7  36.46

Income from equity 
accounted holdings          34,859        209.5       0.12         344.3 (39.14)

Earnings from Group 
transactions                55,409        333.0       0.19         344.7  (3.40)

Net provisions for 
loan losses               (138,941)      (835.1)     (0.47)       (290.3) 187.61

Goodwill amortization     (216,820)    (1,303.1)     (0.73)       (115.1)    -
     
Other income               151,252        909.0       0.51        (729.2)    -

Income before taxes        395,220      2,375.3       1.33       1,798.2   32.10

Corporate Tax              (84,803)      (509.7)     (0.29)       (362.8)  40.49

Net consolidated income    310,417      1,865.6       1.05       1,435.4   29.97

Minority interests          37,118        223.1       0.13         193.0   15.56

Dividend - 
preferred shareholders      43,376        260.7       0.15         208.3   25.17

NET ATTRIBUTABLE INCOME    229,923      1,381.9       0.78       1,034.1   33.63
              
 Group balance sheet

ASSETS                30.06.01     30.06.01    30.06.00      Variation  31.12.00
                      mln ptas    mln euros   mln euros      %         mln euros
      
Cash and Central 
Banks                1,373,186      8,253.0     6,178.4        33.58     8,371.7

Government debt 
securities           4,121,255     24,769.2    25,636.8        (3.38)   22,754.9

Due from banks       7,113,238     42,751.4    42,633.1         0.28    36,764.1

Loans               29,216,800    175,596.5   156,744.2        12.03   169,384.2

Investment 
securities          10,583,201     63,606.3    49,436.6        28.66    61,886.3

Fixed income         7,941,517     47,729.5    35,450.3        34.64    46,561.7

Equities             2,641,684     15,876.8    13,986.4        13.52    15,324.6

Shares and 
other securities     1,147,410      6,896.1     6,106.6        12.93     6,448.9

Equity stakes        1,267,344      7,616.9     6,944.5         9.68     7,719.7

Equity stakes in 
Group companies        226,930      1,363.9       935.3        45.83     1,156.0

Tangible and 
intangible assets    1,228,900      7,385.8     7,087.9         4.20     7,386.2

Treasury stock           4,314         25.9        35.1       (26.23)       56.1

Goodwill             1,780,992     10,704.0     6,767.5        58.17    11,632.8

Other assets         5,269,028     31,667.5    21,663.9        46.18    29,704.4

Prior years' 
results                
from consolidated 
companies              161,272        969.3     1,084.7       (10.64)      987.4


Total Assets        60,852,186    365,729.0   317,268.2        15.27   348,928.0

LIABILITIES
Bank of Spain 
and banks           10,354,933     62,234.4    73,339.9       (15.14)   68,011.0

Customer deposits   30,326,338    182,265.0   157,481.4        15.74   169,554.5

Deposits            25,569,039    153,673.0   133,995.9        14.68   145,551.4

Repos                4,757,299     28,591.9    23,485.5        21.74    24,003.1

Debt securities      6,570,337     39,488.5    27,790.9        42.09    34,165.9

Subordinated debt    2,130,836     12,806.6     9,151.9        39.94    10,729.9

Pension and other 
allowances           2,707,037     16,269.6     6,306.2       158.00    15,579.5

Minority interests   1,391,767      8,364.7     7,519.0        11.25     8,331.7

Net consolidated 
income                 310,417      1,865,6     1,435.4        29.97     3,059.1

Capital                379,488      2,280.8     2,053.5        11.07     2,280.1

Reserves             2,817,184     16,931.6    11,379.1        48.56    15,544.3

Other liabilities    3,863,849     23,222.2    20,793.2        11.68    21,671.9

Total Liabilities   60,852,186    365,729.0   317,268.2        15.27   348,928.0

Other managed funds 
(off-balance sheet) 16,191,192     97,311.0    84,437.0        15.25    88,648.2

Total managed funds 77,043,378    463,040.0   401,705.2        15.27   437,576.1

Contingent 
liabilities          4,771,857     28,679.4    25,301.0        13.35    26,192.0

Guarantees           4,032,213     24,234.1    22,198.7         9.17    22,155.7

Documentary credits    739,644      4,445.4     3,102.4        43.29     4,036.3


     

Shareholders' equity and capital ratios 

                                                                              
                      30.06.01     30.06.01   30.06.00      Variation  31.12.00
                      mln ptas    mln euros   mln euros      %         mln euros
Subscribed capital 
stock                  379,488      2,280.8     2,053.5        11.07    2,280.1 
                                                                       
Paid-in surplus      1,344,471      8,080.4     4,218.8        91.53    8,078.2 
Reserves               904,113      5,433.8     4,952.2         9.73    5,437.1 
Reserves at 
consolidated           407,328      2,448.1     1,141.5       114.47    1,014.6 
companies (net)                                                      
Total primary 
capital              3,035,400     18,243.1    12,366.0        47.53   16,837.0 
                                                                     
Net attributable 
income                 229,923      1,381.9     1,034.1        33.63    2,258.1 
                                                                       
Treasury stock          (4,314)       (25.9)      (35.1)      (26.23)     (56.1)

Distributed interim          -            -           -            -     (597.0)

dividend                                                                    
Shareholders' equity at                  
period end           3,261,009     19,599.1    13,365.0        46.65   18,442.1 
                                       
Interim dividend pending     -            -           -            -     (301.5)

distribution                                                                
Final dividend               -            -           -            -     (342.7)

Shareholders' 
equity after               
Allocation of period end                                                    
results              3,261,009     19,599.1    13,365.0        46.65   17,797.9 
                                                
Preferred shares     1,216,966      7,314.1     6,140.1        19.12    6,644.2 
Minority interests     255,295      1,534.4     1,780.2       (13.81)   2,488.6 
Shareholders' equity &                   
minority             4,733,270     28,447.5    21,285.3        33.65   26,930.6 
interests                                                                   
Basic Capital 
(Tier 1)             2,773,504     16,669.1    13,668.3        21.95   15,207.1 
                                                                     
Supplementary 
Capital              1,235,435      7,425.1     4,925.6        50.74    6,413.8 
                                                                     
Eligible capital     4,008,939     24,094.2    18,593.9        29.58   21,620.9 
Risk-weighted assets 
(BIS criteria)      34,405,824    206,783.2   186,894.9        10.64  199,062.7 
BIS ratio                             11.65        9.95                   10.86 
Tier 1                                 8.06        7.31                    7.64 
Excess (amount)      1,256,473      7,551.6     3,642.3       107.33    5,695.9 
 

Loans 

                                                                              
                      30.06.01     30.06.01    30.06.00     Variation  31.12.00
                      mln ptas    mln euros   mln euros      %        mln euros
Public sector          701,200      4,214.3     4,179.3         0.84    4,148.9 
Private sector      13,575,957     81,593.1    76,004.3         7.35   81,677.6 
Secured loans        5,079,137     30,526.2    25,346.4        20.44   27,652.7 
Other loans          8,496,820     51,066.9    50,657.9         0.81   54,024.9 
Non-resident sector 15,878,825     95,433.7    81,273.3        17.42   88,730.0 
                                                                    
Secured loans        4,103,287     24,661.3    19,585.3        26.05   22,898.5 
Other loans         11,775,538     70,772.4    61,708.0        14.69   65,831.5 
Gross loans         30,155,982    181,241.1   161,456.9        12.25  174,556.4 
                                                                    
Less: allowance 
for loan                 
losses                 939,182      5,644.6     4,712.7        19.77    5,172.2 
                                              
Net loans           29,216,800    175,596.5   156,744.2        12.03  169,384.2 
                                                                    
Note: doubtful loans   744,993      4,477.5     4,469.9         0.17    4,517.9 
                                                                       
Public sector              624          3.8         6.9       (45.70)       3.7 
Private sector         136,559        820.7       757.7         8.32      855.5 
Non-resident sector    607,810      3,653.0     3,705.3        (1.41)   3,658.7 
                                                                       
Customer funds 

                                                                              
                      30.06.01     30.06.01    30.06.00     Variation  31.12.00
                      mln ptas    mln euros   mln euros      %        mln euros
Public sector          770,217      4,629.1     2,049.7       125.85    2,358.6 
Private sector      11,882,918     71,417.8    68,141.9         4.81   68,458.5 
Demand deposits      3,429,649     20,612.6    20,655.0        (0.21)  20,236.2 
Savings accounts     2,429,620     14,602.3    13,807.5         5.76   13,734.3 
Time deposits        3,852,558     23,154.3    21,790.5         6.26   20,933.3 
REPOS                2,154,944     12,951.5    11,769.0        10.05   13,407.8 
Other accounts          16,147         97.0       120.0       (19.12)     146.9 
Non-resident sector 17,673,203    106,218.1    87,289.8        21.68   98,737.3 
                                                                    
Deposits            15,503,957     93,180.7    75,739.2        23.03   88,305.3 
REPOS                2,169,246     13,037.4    11,550.6        12.87   10,432.0 
Total customer 
deposits            30,326,338    182,265.0   157,481.4        15.74   169,554.5
                                                          
Debt securities      6,570,337     39,488.5    27,790.9        42.09    34,165.9

Subordinated debt    2,130,836     12,806.6     9,151.6        39.94    10,729.9


Total customer 
funds 
on-balance sheet    39,027,511    234,560.1   194,423.9        20.64  214,450.3 
                                                                    
Total managed funds 16,191,192     97,311.0    84,437.0        15.25   88,648.2 
(off-balance sheet)                                                         
                                                                    
Mutual funds        11,420,673     68,639.6    61,468.2        11.67   65,011.9 
Spain                8,225,540     49,436.5    50,824.1        (2.73)  49,241.6 
Abroad               3,195,133     19,203.1    10,644.1        80.41   15,770.4 
Pension funds        3,426,306     20,592.5    15,317.9        34.43   16,397.3 
Spain                  835,029      5,018.6     4,605.4         8.97    4,940.3 
Individuals            713,168      4,286.2     3,913.6         9.52    4,222.7 
Abroad               2,591,277     15,573.9    10,712.5        45.38   11,457.0 
Managed portfolios   1,344,213      8,078.9     7,650.9         5.59    7,238.9 

Spain                  388,994      2,337.9     2,854.2       (18.09)   2,242.7 
Abroad                 955,219      5,741.0     4,796.7        19.69    4,996.2 
Total customer 
funds  
on-balance sheet    55,218,703    331,871.1   278,860.9        19.01  303,098.5