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9<br />
8. Consolidated income<br />
statements<br />
thousands euros<br />
30/09/2013 30/09/2012 Variation<br />
Amount Amount Amount %<br />
Interest and related income 1,113,703 1,308,432 -194,729 -14.88<br />
Interest and related charges -651,778 -794,874 143,096 -18.00<br />
Net interest income 461,925 513,558 -51,633 -10.05<br />
Divident income 7,944 8,399 -455 -5.42<br />
Equity method 11,013 12,790 -1,777 -13.89<br />
Net fees and commissions 177,765 150,042 27,723 18.48<br />
Trading income 154,710 106,560 48,150 45.19<br />
Other operating income/expense 180,062 162,046 18,016 11.12<br />
Gross operating income 993,418 953,395 40,024 4.20<br />
Personnel expenses -251,732 -244,728 -7,003 2.86<br />
General expenses / Amortization -241,161 -241,382 221 -0.09<br />
Other -7,908 -16,952 9,044 -53.35<br />
Operating profit (loss) before impairment 492,618 450,332 42,286 9.39<br />
Additions to provisions -7,877 451 -8,328 n.r,<br />
Asset losses -233,498 -342,581 109,083 -31.84<br />
Operating profit (loss) net of impairment 251,243 108,202 143,042 132.20<br />
Gain / losses on disposals of assets -40,154 -22,412 -17,743 79.17<br />
Profit before taxes 211,089 85,790 125,299 146.05<br />
Tax on income -55,284 -13,495 -41,789 309.67<br />
Net income 155,805 72,296 83,509 115.51
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