For the year ended 31 December
Note 2015
HK$ million		 2014
HK$ million
Interest income   270,151 260,450
Interest expenses   (138,268) (139,372)
Net interest income 5(a) 131,883 121,078
Fee and commission income   51,405 39,714
Fee and commission expenses   (2,506) (2,094)
Net fee and commission income 5(b) 48,899 37,620
Sales of goods and services 5(c) 211,383 237,189
Other revenue 5(d) 24,648 6,237
    236,031 243,426
Total revenue   416,813 402,124
Cost of sales and services 6 (174,923) (198,457)
Other net income 7 9,877 10,572
Impairment losses on 8    
– Loans and advances to customers   (47,827) (28,149)
– Others   (31,177) (26,871)
Other operating expenses 10 (88,555) (82,661)
Net valuation gain on investment properties 32 661 2,332
Share of profits of associates, net of tax   4,799 4,389
Share of (loss)/profits of joint ventures, net of tax   (132) 3,325
Profit before net finance charges and taxation   89,536 86,604
Finance income   2,794 2,250
Finance costs   (11,024) (11,054)
Net finance charges 9 (8,230) (8,804)
Profit before taxation 10 81,306 77,800
Income tax 11 (20,613) (18,000)
Profit for the year   60,693 59,800
Attributable to:      
Ordinary shareholders of the Company   41,812 39,834
Holders of perpetual capital securities   1,135 1,130
Non-controlling interests   17,746 18,836
Profit for the year   60,693 59,800
Earnings per share (HK$) 15    
Basic   1.58 1.60
Diluted   1.57 1.60

The notes on pages 171 to 314 form part of these consolidated financial statements.