FINANCIAL REPORT 2014

1. EXTRACT FROM THE CONSOLIDATED FINANCIAL STATEMENTS

1.1. INCOME STATEMENT

Notes

(in thousands of euros)

31.12.2014

31.12.2013

Interest receivable and similar income

2.6.1

348 040

395 540

Interest payable and similar expense

2.6.1

-200 538

-163 126

Commission and fee income

2.6.2

663 040

652 338

Commission and fee expense

2.6.2

-121 907

-125 644

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

2.6.3

33 536

36 206

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

2.6.4

13 480

12 175

Income related to other activities

2.6.5

45 597

48 577

Expenses related to other activities

2.6.5

-58 644

-52 755

NET BANKING INCOME

722 604

803 312

Total operating expenses

2.6.6

-551 435

-529 634

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

2.6.7

-20 970

-39 719

GROSS OPERATING INCOME

150 199

233 959

Cost of risk

2.6.8

688

475

OPERATING INCOME

150 888

234 434

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

-350 003

PRE-TAX INCOME

-199 115

234 434

Income tax expense

2.6.9.1

-40 741

-54 882

After-tax income from discontinued or held-for-sale operations NET INCOME

-239 856

179 552

Non-controlling interests

0

0

NET INCOME - GROUP SHARE

-239 856

179 552

Earnings per share (in euros)

2.7.15.2

-15.15

11.34

Diluted earnings per share (in euros)

2.7.15.2

-15.15

11.34

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