OFF-BALANCE-SHEET ITEMS (in thousands of euros) NOTES 31/12/2024 31/12/2023 Commitments given Financing commitments 20 1,232,528 1,278,832 Guarantee commitments 20 216,226 157,838 Commitments relating to securities Commitments received Financing commitments Guarantee commitments 20 2,453,035 1,862,515 Commitments relating to securities INCOME STATEMENT (in thousands of euros) NOTES 31/12/2024 31/12/2023 Net interest and similar income 42,947 64,879 Interest and similar income 21 268,866 293,042 Interest and similar expenses 21 -225,919 -228,163 Income from variable income securities 22 17,521 20,104 Net fees and commissions 90,975 83,896 Fee and commission income 23 94,609 87,968 Fee and commission expenses 23 -3,634 -4,072 Net income from financial transactions 64,140 47,486 Gains or losses on trading portfolio transactions 24 64,604 47,466 Gains or losses on investment and similar portfolio transactions 25 -464 20 Other net banking operating income -21,559 -21,152 Other banking operating income 26 2,326 2,672 Other banking operating expenses 26 -23,885 -23,824 NET BANKING INCOME 194,024 195,213 Operating expenses 27 -111,797 -109,321 Amortisation and depreciation and impairment of property, plant and equipment and intangible assets 9 -4,155 -4,120 GROSS OPERATING PROFIT 78,072 81,772 Cost of risk 28 -2,536 -570 OPERATING INCOME 75,536 81,202 Gains or losses on long-term investments 29 43 -23 CURRENT INCOME BEFORE TAX 75,579 81,179 Extraordinary profit (loss) 0 0 Corporation Taxes -15,124 -16,506 NET INCOME FOR THE YEAR 60,455 64,673 Annual Report 2024 141
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