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2. Interest and similar charges3. Remuneration of capital having the nature of a financial liability (onlyCoop.)A) NET INTEREST INCOME4. Return on equity instruments5. Share of profit or loss of entities accounted for using the equity method6. Fee and commission income7. Fee and commission expenses8. Net gains (losses) on financial assets and liabilities8.1. 8.2. Held Other for financial trading instruments at fair value throughprofit 8.3. Other or loss financial instruments not at fair valuethrough profit or loss8.4. Rest9. Net exchange differences10. Other operating income10.1. Income on insurance and reinsurance contracts10.2. Financial income from non-financial services10.3. Rest of other operating income11. Other operating expenses11.1 Expenses on insurance and reinsurance contracts11.2. Changes in inventories11.3. Rest of other operating expensesB) GROSS INCOME12. Administration expenses12.1. Personnel expenses12.2. Other administrative expenses13. Depreciation and amortization14. Provisioning expense (net)15. Impairment losses on financial assets (net)15.1. 15.2. Loans Other financial and receivables instruments not at fair valuethrough profit or lossC) NET OPERATING INCOME16. Impairment losses on other assets (net)16.1. Goodwill and other intangible assets16.2. Other assets17. Gains (losses) on derecognized assets not classified as non-currentassets held for sale18. Negative goodwill19. Gains (losses) in non-current assets held for sale not classified asdiscontinued operationsD) INCOME BEFORE TAX20. Income tax21. Mandatory transfer to welfare funds(only E) INCOME Savings FROM Banks CONTINUINGand Coop.)TRANSACTIONS22. Income from discontinued transactions (net)F) NET INCOMEF1) Net Income attributed to parent companyF2) Net income attributed to non-controlling interests