6.13 Goodwill 126 6.14 Provisions 126 6.15 Subordinated debt 126 6.16 Shareholders' equity 127 6.16 Financial assets and liabilities by contractual maturity 127 7 EMPLOYEE BENEFITS AND OTHER COMPENSATION 128 7.1 Personnel expenses 128 7.2 Average and year-end headcount 128 7.3 Retirement benefits – defined contribution plans 128 7.4 Retirement benefits – defined benefit plans 128 7.5 Other employee benefits 129 8 LEASES 130 8.1 Leases under which the Group is lessee 130 8.2 Leases under which the Group is lessor 131 9 FINANCING AND GUARANTEE COMMITMENTS AND OTHER GUARANTEES 131 10 FAIR VALUE OF FINANCIAL INSTRUMENTS 132 10.1 Fair value of financial assets and liabilities recognised at amortised cost 133 10.2 Information on financial instruments measured at fair value 134 11 CONSOLIDATION SCOPE AT 31 DECEMBER 2023 139 11.1 Information on subsidiaries 139 12 NON-CONSOLIDATED PARTICIPATING INTERESTS AND STRUCTURED ENTITIES 139 13 EVENTS AFTER 31 DECEMBER 2021 139 Individual Accounts 2024 with financial statements INDIVIDUAL ACCOUNTS 2024 WITH FINANCIAL STATEMENTS 140 NOTES TO THE PUBLISHABLE FINANCIAL STATEMENTS 142 Annual Report 2024 57
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