4 NOTES ON NET INCOME AND OTHER COMPREHENSIVE INCOME 4.1 INTEREST INCOME AND EXPENSE (in thousands of euros) 31/12/2024 31/12/2023 On financial assets at amortised cost 245,800 228,367 Transactions with credit institutions 99,554 95,287 Internal transactions with Crédit Agricole entities 0 0 Transactions with customers 141,441 131,978 Finance lease transactions 0 0 Debt securities 4,805 1,102 On financial assets at fair value through equity 0 0 Transactions with credit institutions 0 0 Transactions with customers 0 0 Debt securities 0 0 Accrued interest due on hedging instruments 72,730 97,643 Other interest and similar income 0 0 Interest income (1) (2) 318,530 326,010 On financial liabilities at amortised cost -182,888 -137,458 Transactions with credit institutions -47,654 -23,470 Internal transactions with Crédit Agricole entities 0 0 Transactions with customers -135,234 -113,988 Finance lease transactions 0 0 Debt securities 0 0 Subordinated debt 0 0 Accrued interest due on hedging instruments -91,632 -123,310 Interest and similar expenses -1,450 -748 Interest expenses -275,970 -261,516 4.2 FEE AND COMMISSION INCOME AND EXPENSES 31/12/2024 31/12/2023 (in thousands of euros) Products Expenses Net Products Expenses Net On transactions with credit institutions 0 -248 -248 0 -179 -179 On internal Crédit Agricole transactions 0 0 0 0 0 0 On transactions with customers 4,055 0 4,055 3,197 0 3,197 On securities transactions 26,896 0 26,896 26,321 0 26,321 On foreign exchange transactions 7,704 0 7,704 7,725 0 7,725 On derivative transactions and other off-balance sheet transactions 492 0 492 457 0 457 On means of payment and other banking and financial services 18,181 -6,610 11,571 16,873 -6,909 9,965 Management of UCITS, trusts and similar activities 42,869 -1,204 41,665 39,001 -1,484 37,517 Total fee and commission income and expenses 100,197 -8,062 92,135 93,575 -8,572 85,003 CFM Indosuez Wealth Management 112
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