139 OFF-BALANCE-SHEET ITEMS (in thousands of euros) NOTES 31/12/2022 31/12/2021 Commitments given Financing commitments 20 1,003,838 1,030,209 Guarantee commitments 20 188,216 192,743 Commitments relating to securities Commitments received Financing commitments Guarantee commitments 20 2,280,946 2,357,519 Commitments relating to securities INCOME STATEMENT (in thousands of euros) NOTES 31/12/2022 31/12/2021 Net interest and similar income 56,773 38,008 Interest and similar income 21 86,093 32,875 Interests and similar expenses 21 -29,320 5,133 Income from variable income securities 22 18,303 14,349 Net fees and commissions 84,643 80,964 Fee and commission income 23 89,435 85,677 Fee and commission expenses 23 -4,792 -4,713 Net income from financial transactions 19,805 10,831 Gains or losses on trading portfolio transactions 24 19,833 10,890 Gains or losses on investment and similar portfolio transactions 25 -28 -59 Other net banking operating income -25,663 -24,447 Other banking operating income 26 2,806 2,747 Other banking operating expenses 26 -28,469 -27,194 NET BANKING INCOME 153,861 119,705 Operating expenses 27 -95,288 -88,295 Amortisation and depreciation and impairment of property, plant and equipment and intangible assets 9 -3,654 -3,628 GROSS OPERATING INCOME 54,919 27,782 Cost of risk 28 -3,861 1,782 OPERATING INCOME 51,058 29,564 Gains or losses on long-term investments 29 27 -1 CURRENT INCOME BEFORE TAX 51,085 29,563 Extraordinary result 0 0 Corporation Taxes -8,901 -4,718 NET INCOME FOR THE YEAR 42,184 24,845
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