|Interest on employee benefits||-36||-20|
|Interest on derivatives||-315||-253|
|Interest owed to banks||-36||-38|
|Interest on subordinated liabilities||-51||-44|
|Interest on borrowings||-3||-1|
|Other interest expenses||-6||-6|
|Total interest expense||-447||-362|
Included within interest owed to banks is an amount of € 24 million (2021: € 31 million) relating to negative interest paid on cash and cash equivalents.