FINANCIAL REPORT 2013

1. EXTRACT FROM THE CONSOLIDATED FINANCIAL STATEMENTS

1.1. INCOME STATEMENT

(in thousands of euros)

Notes

31.12.2013

31.12.2012

Interest receivable and similar income

2.6.1.

395 540

457704

Interest payable and similar expense

2.6.1.

– 163 126

– 160842

Commission and fee income

2.6.2.

652 338

653160

Commission and fee expense

2.6.2.

– 125 644

– 128174

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

2.6.3.

36 206

31703

Net gains (losses) on available-for-sale financial assets

2.6.4.

12 175

6352

Income related to other activities

2.6.5.

48 577

45682

Expenses related to other activities

2.6.5.

– 52 755

– 53640

NET BANKING INCOME

803 312

851945

Total operating expenses

2.6.6.

– 529 634

– 535947

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

2.6.7.

– 39 719

– 33610

GROSS OPERATING INCOME

233 959

282388

Cost of risk

2.6.8.

475

– 33

OPERATING INCOME

234 434

282355

Share of profit in equity-accounted entities Net gains (losses) on disposal of other assets Change in value of Goodwill PRE-TAX INCOME

234 434

282355

Income tax expense

2.6.9.1.

– 54 882

– 102399

A$er-tax income from discontinued or held-for-sale operations

0

NET INCOME

179 552

179956

Non-controlling interests

0

0

NET INCOME – GROUP SHARE

179 552

179956

Earnings per share (in euros)

2.7.15.2.

11.34

11.95

Diluted earnings per share (in euros)

2.7.15.2.

11.34

11.95

05