NOTE 26 Other banking operating income and expenses (in thousands of euro) 31/12/2025 31/12/2024 Income Share in joint ventures 0 0 Re-invoiced and reclassified expenses 224 41 Sundry income from banking operations 3,143 2,249 Other income 104 36 Total income 3,471 2,326 Expenses Share in joint ventures -1,406 -775 Miscellaneous operating bank charges -24,895 -23,110 Total expenses -26,301 -23,885 Net total -22,830 -21,559 NOTE 27 Operating expenses (in thousands of euro) 31/12/2025 31/12/2024 Personnel costs Wages and salaries 45,502 45,558 Profit sharing 1,292 1,299 Social contributions 14,818 14,853 Total personnel expenses 61,612 61,710 Administrative expenses 52,970 50,087 Of which: Statutory Auditors' fees 184 195 o/w head office expenses 2,674 2,943 Of which: reinvoiced to subsidiaries -2,078 -1,932 Total general operating costs 114,582 111,797 NOTE 28 Cost of risk (in thousands of euro) 31/12/2025 31/12/2024 Reversals of provisions for risks and charges 1,356 935 Reversals of provisions on doubtful debt 21 47 Miscellaneous income 0 0 Total income 1,377 982 Provisions for non-performing receivables and other assets -2,700 -75 Losses on bad debts covered by a provision -1,356 -177 Provisions for contingencies and charges -394 -3,266 Miscellaneous expenses 0 0 Total expenses -4,450 -3,518 Total -3,073 -2,536 Annual Report 2025 163
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