OFF-BALANCE SHEET (in thousands of euro) NOTES 31/12/2025 31/12/2024 Commitments given Financial commitments 20 1,390,439 1,232,528 Guarantee commitments 20 162,649 216,226 Commitments relating to securities Commitments received Financial commitments Guarantee commitments 20 2,588,877 2,453,035 Commitments relating to securities PROFIT AND LOSS ACCOUNT (in thousands of euro) NOTES 31/12/2025 31/12/2024 Net interest and similar income 55,982 42,947 Interest and similar income 21 203,982 268,866 Interest and similar expenses 21 -148,000 -225,919 Income from variable income securities 22 15,638 17,521 Net fees and commissions 93,717 90,975 Commission (income) 23 98,325 94,609 Commission (expenses) 23 -4,608 -3,634 Net income from financial transactions 40,428 64,140 Gains or losses on trading portfolio transactions 24 40,070 64,604 Gains or losses on investment and similar portfolio transactions 25 358 -464 Other net banking operating income -22,830 -21,559 Other banking operating revenue 26 3,471 2,326 Other banking operating expenses 26 -26,301 -23,885 NET BANKING INCOME 182,935 194,024 General operating expenses 27 -114,582 -111,797 Provision for amortisation and impairment of tangible and intangible assets 9 -4,696 -4,155 GROSS OPERATING INCOME 63,657 78,072 Cost of risk 28 -3,073 -2,536 OPERATING INCOME 60,584 75,536 Gains or losses on long-term investments 29 -88 43 CURRENT PRE-TAX RESULT 60,496 75,579 Outstanding income 0 0 Income tax -11,933 -15,124 CONSOLIDATED NET PROFIT (LOSS) FOR THE FINANCIAL YEAR 48,563 60,455 Annual Report 2025 153
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