|Interest on employee benefits||-20||-39|
|Interest on derivatives||-253||-198|
|Interest owed to banks||-38||-44|
|Interest on subordinated liabilities||-44||-44|
|Interest on borrowings||-1||-1|
|Other interest expenses||-6||-5|
|Total interest expense||-362||-331|
Included within interest owed to banks is an amount of € 31 million (2020: € 32 million) relating to negative interest paid on cash and cash equivalents.