NOTE 26 Other banking operating income and expenses (in thousands of euros) 31/12/2023 31/12/2022 Products Share in joint ventures 0 1 Re-invoiced and reclassified expenses 36 26 Sundry income from banking operations 2,553 2,698 Other income 83 81 Total income 2,672 2,806 Expenses Share in joint ventures -1,075 -959 Miscellaneous banking operating expenses -22,749 -27,510 Total expenses -23,824 -28,469 Net total -21,152 -25,663 NOTE 27 Operating expenses (in thousands of euros) 31/12/2023 31/12/2022 Staff costs Wages and salaries 43,746 41,282 Incentives 1,444 959 Social security expenses 15,316 13,997 Total personnel expenses 60,506 56,238 Administrative expenses 48,815 39,050 o/w Statutory Auditors’ fees 183 166 o/w head office expenses 3,936 4,187 Of which rebilled to subsidiaries (1) -2,104 -1,937 Total operating expenses 109,321 95,288 (1) In 2023, re-invoicing will amount to €2,104k (compared with €1,937k at 31/12/2022) NOTE 28 Cost of risk (in thousands of euros) 31/12/2023 31/12/2022 Reversals of provisions for contingencies and charges 166 468 Reversals of provisions for non-performing receivables 45 592 Miscellaneous income 0 0 Total income 211 1,060 Provisions for non-performing receivables and other assets 0 -15 Losses on irrecoverable receivables covered by a provision -62 -981 Allocation to provisions for risks and charges -719 -3,925 Miscellaneous expenses 0 0 Total expenses -781 -4,921 Total -570 -3,861 Annual Report 2023 151
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