7 EMPLOYEE BENEFITS AND OTHER REMUNERATION 7.1 BREAKDOWN OF PERSONNEL COSTS (in thousands of euros) 31/12/2025 31/12/2024 Wages and salaries -48,849 -47,812 Contribution to pension schemes (defined contribution plans) -7,331 -7,137 Contribution to pension schemes (defined benefit plans) Other social costs -8,601 -8,932 Profit-sharing and participation -1,325 -1,335 Taxes and duties on remuneration -61 -55 Total staff costs -66,167 -65,271 7.2 AVERAGE HEADCOUNT FOR THE PERIOD Average number of staff 31/12/2025 31/12/2024 Monaco 370 364 Abroad 3 4 Total 373 368 7.3 RETIREMENT BENEFITS – DEFINED CONTRIBUTION PLANS Companies with employees contribute to various mandatory pension schemes. The funds are managed by independent organisations and the contributing companies have no legal or constructive obligation to pay additional contributions if the funds have insufficient assets to cover all benefits corresponding to services rendered by employees during the year and in previous years. As a result, CFM Indosuez Wealth entities have no liability in this regard other than the contributions payable. 7.4 RETIREMENT BENEFITS – DEFINED BENEFIT PLANS Change in actuarial liability 31/12/2025 31/12/2024 (in thousands of euros) Euro Zone Outside the Euro Zone All areas All areas Actuarial debt at 31/12 in year N-1 3,714 3,714 3,671 Foreign exchange difference Cost of services rendered over the fiscal year 208 208 207 Financial costs 125 125 123 Employee contributions Amendments, reductions and wind-ups Changes to the scope Benefits paid (compulsory) -197 -197 -212 Taxes, administrative costs and premiums Actuarial gains/(losses) - related to demographic assumptions (1) 142 142 -13 Actuarial gains/(losses) - related to financial assumptions (1) -189 -189 -63 Actuarial debt at end of year 3,803 3,803 3,714 (1) Including actuarial gains/losses related to experience adjustments. Annual Report 2025 139
RkJQdWJsaXNoZXIy NzMxNTcx