CONSOLIDATED FINANCIAL STATEMENTS 2021

1. INCOME STATEMENT

31.12.2021

31.12.2020

(in thousands of euros)

956 816

836 798

Interest and similar income

-681 274

-550 985

Interest and similar expenses

1 122 045

1 021 083

Fee and commission income

-270 887

-230 407

Fee and commission expenses

98 784

105 714

Net gains (losses) on financial instruments at fair value through profit or loss

394 249

-151 869

Net gains (losses) on held-for-trading assets/liabilities

-295 465

257 583

Net gains (losses) on other financial assets/liabilities at fair value through profit or loss

Net gains (losses) on financial instruments at fair value through other comprehensive income

228

8 830

Net gains (losses) on debt instruments at fair value through other comprehensive income that may be reclassified subsequently to profit or loss Remuneration of equity instruments measured at fair value through other comprehensive income that will not be reclassified subsequently to profit or loss (dividends) Net gains (losses) arising from the reclassification of financial assets at amortised cost to financial assets at fair value through profit or loss Net gains (losses) arising from the reclassification of financial assets at fair value through other comprehensive income to financial assets at fair value through profit or loss Income on other activities Net gains (losses) arising from the derecognition of financial assets at amortised cost

228

8 767

63

10 871

6 944

17 172

-64 442

-79 557

Expenses on other activities

REVENUES

1 179 084

1 128 649

-881 543

-818 923

Operating expenses

-67 111

-64 451

Depreciation, amortisation and impairment of property, plant & equipment and intangible assets

GROSS OPERATING INCOME

230 430

245 274

4 345

-8 338

Cost of risk

OPERATING INCOME

234 774

236 936

7 552

6 988

Share of net income of equity-accounted entities

177

Net gains (losses) on other assets

63

Change in value of goodwill

PRE-TAX INCOME

242 567

243 924

-55 862

-54 881

Income tax charge

Net income from discontinued operations NET INCOME

186 705

189 043

Non-controlling interests NET INCOME GROUP SHARE

186 705

189 043

Earnings per share (in euros) (1) (2)

6,7

7,1

Diluted earnings per share (in euros) (1) (2)

6,7

7,1

(1) Income including net income from discontinued operations. (2) Earnings per share reported in 2020 has been adjusted to take into account the number of shares outstanding as of 31/12/2020.

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