NOTE 26 Other banking operating income and expenses (in thousands of euros) 31/12/2024 31/12/2023 Products Share in joint ventures 0 0 Re-invoiced and reclassified expenses 41 36 Sundry income from banking operations 2,249 2,553 Other income 36 83 Total income 2,326 2,672 Expenses Share in joint ventures -775 -1,075 Miscellaneous banking operating expenses -23,110 -22,749 Total expenses -23,885 -23,824 Net total -21,559 -21,152 NOTE 27 Operating expenses (in thousands of euros) 31/12/2024 31/12/2023 Staff costs Wages and salaries 45,558 43,746 Incentives 1,299 1,444 Social security expenses 14,853 15,316 Total personnel expenses 61,710 60,506 Administrative expenses 50,087 48,815 o/w Statutory Auditors’ fees 195 183 o/w head office expenses 2,943 3,936 o/w reinvoiced to subsidiaries (1) -1,932 -2,104 Total operating expenses 111,797 109,321 (1) In 2024, reinvoicing will amount to €1, 932,000 (compared with €2,104,000 as at 31 December 2023) NOTE 28 Cost of risk (in thousands of euros) 31/12/2024 31/12/2023 Reversals of provisions for contingencies and charges 935 166 Reversals of provisions for non-performing receivables 47 45 Miscellaneous income 0 0 Total income 982 211 Provisions for non-performing receivables and other assets -75 0 Losses on irrecoverable receivables covered by a provision -177 -62 Allocation to provisions for risks and charges -3,266 -718 Miscellaneous expenses 0 0 Total expenses -3,518 -781 Total -2,536 -570 Annual Report 2024 151
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