CONSOLIDATED INCOME STATEMENT (in thousands of euros) NOTES Financial year 2021 Financial year 2020 Interest and similar income 4.1 63,274 57,811 Interests and similar expenses 4.1 -25,438 -23,011 Fee and commission income 4.2 89,433 77,272 Fee and commission expenses 4.2 -10,016 -9,918 Net gains (losses) on financial instruments at fair value through profit or loss 4.3 10,434 14,768 Net gains or losses on assets / liabilities held for trading 3,908 4,678 Net gains or losses on other assets / liabilities at fair value through profit or loss 6,526 10,090 Net gains (losses) on financial instruments at fair value through other comprehensive income 4.4 0 0 Net gains or losses on debt instruments recognised in equity recyclable to income 0 0 Compensation of equity instruments recognised in equity not recyclable to income (dividends) 0 0 Net gains or losses resulting from the derecognition of financial assets at amortised cost 4.5 0 0 Net gains or losses resulting from the reclassification of financial assets at amortised cost as financial assets at fair value through profit or loss 4.6 0 0 Net gains or losses resulting from the reclassification of financial assets at fair value through other comprehensive income as financial assets at fair value through profit or loss 4.6 0 0 Income from other activities 4.7 3,523 2,416 Expenses from other activities 4.7 -1,810 -1,690 Reclassification of net gains or losses on financial assets under the overlay approach 0 0 Net banking income 129,401 117,648 Operating expenses 4.8 -91,779 -85,259 Depreciation, amortisation and impairment of property, plant & equipment and intangible assets 4.9 -5,533 -5,680 Gross operating income 32,088 26,709 Cost of risk 4:10 1,778 -1,549 Operating income 33,866 25,160 Share of net income of companies accounted for by the equity method 0 0 Net profits or losses on other assets 4:11 -1 6 Changes in the value of goodwill 0 0 Earnings before tax 33,865 25,166 Income Taxes 4:12 -4,773 -3,382 Income after tax from discontinued operations 0 0 Net income 29,092 21,784 Non-controlling interests 0 0 NET INCOME, GROUP SHARE 29,092 21,784 60
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