FINANCIAL REPORT 2017

1. EXTRACT FROMTHE CONSOLIDATED FINANCIALSTATEMENTS

1 1 INCOME STATEMENT

Notes

31.12.2017

31.12.2016

(in thousands of euros)

2.6.1

512080

383090

Interest receivable and similar income

2.6.1

-360007

-239430

Interest payable and similar expense

2.6.2

782106

691584

Commission and fee income

2.6.2

-192738

-139488

Commission and fee expense

2.6.3

70372

53499

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

2.6.4

26759

20223

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

2.6.5

9281

10961

Income related to other activities

2.6.5

-39026

-30584

Expenses related to other activities

NET BANKING INCOME

808825

749854

2.6.6

-584017

-569171

Total operating expenses

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

2.6.7

-22158

-23571

GROSS OPERATING INCOME

202651

157112

2.6.8

-29

-12

Cost of risk

OPERATING INCOME

202622

157100

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

202622

157100

2.6.9.1

-49606

-38632

Income tax expense

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

153016

118468

Non-controlling interests NET INCOME - GROUP SHARE

153016

118468

2.7.15.2

9 .36

7 .25

Earnings per share (in euros)

2.7.15.2

9 .36

7 .25

Diluted earnings per share (in euros)

5