| 31 Dec 2012 | 31 Dec 2011 | |
| ECC capital | 2,597 | 2,373 |
| Dividend equalisation reserve | 1,889 | 1,457 |
| Premium reserve | 895 | 183 |
| Unrealised gains reserve | 69 | 43 |
| A. The equity capital certificate owners' capital | 5,449 | 4,055 |
| Ownerless capital | 2,944 | 2,611 |
| Unrealised gains reserve | 38 | 28 |
| B. The saving bank reserve | 2,982 | 2,639 |
| To be disbursed from gift fund | 30 | 40 |
| Dividend declared | 195 | 190 |
| Equity ex. profit | 8,656 | 6,924 |
| Equity capital certificate ratio A/(A+B) | 64.64 % | 60.58 % |
| Equity capital certificate ratio for distribution | 63.33 % | 61.25 % |