FINANCIAL REPORT 2014

2.6.6. GENERAL OPERATING EXPENSES

(in thousands of euros)

31.12.2014

31.12.2013

Personnel costs

-301 050

-295 919

Taxes other than on income or payroll-related

-11 018

-10 128

External services and other general operating expenses

-239 367

-223 588

OPERATING EXPENSES

-551 435

-529 634

2.6.7. DEPRECIATION, AMORTISATION AND IMPAIRMENT OF PROPERTY, PLANT AND EQUIPMENT AND INTANGIBLE ASSETS

(in thousands of euros)

31.12.2014

31.12.2013

DEPRECIATION AND AMORTISATION

-20 970

-39 719

- property, plant & equipment

-5 112

-4 956

- intangible assets

-15 858

-34 763

TOTAL

-20 970

-39 719

2.6.8. COST OF RISK

(in thousands of euros)

31.12.2014

31.12.2013

CHARGE TO PROVISIONS AND IMPAIRMENT

-267

-868

Fixed income available-for-sale financial assets Other assets WRITE-BACKS OF PROVISIONS AND IMPAIRMENT Fixed income available-for-sale financial assets

-267

-868

957

1 341

74

Other assets

957

1 267

NET CHARGE TO IMPAIRMENT AND PROVISIONS

690

473

Recoveries on bad debts written off OTHER NET LOSSES

-2

COST OF RISK

688

473

2.6.9. INCOME TAX EXPENSE

2.6.9.1. Tax expense

(in thousands of euros)

31.12.2014

31.12.2013

Current tax expense

46 148

68 384

Deferred tax expense

-5 407

-13 502

TAX EXPENSE FOR THE PERIOD

40 741

54 882

25