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Unaudited Condensed Consolidated Income Statements - EUR (€)
€ in Millions
6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
IFRS Statement [Line Items]    
Interest income € 30,869 € 21,933
Interest expense (12,460) (5,737)
Interest income/ (charges) 18,409 16,196
Dividend income 335 309
Income from companies accounted for using the equity method 312 163
Commission income 7,792 6,676
Commission expense (1,940) (1,507)
Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net 233 344
Gain or losses on financial assets and liabilities held for trading, net 718 347
Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss (15) 10
Gain or losses on financial assets and liabilities measured at fair value through profit or loss, net 756 221
Gain or losses from hedge accounting, net 128 57
Exchange differences, net (1,077) (85)
Other operating income 819 1,167
Other operating expenses (1,461) (1,289)
Income from assets under insurance and reinsurance contracts 1,349 769
Expenses from liabilities under insurance and reinsurance contracts (1,238) (683)
Total income 25,120 22,695
Administrative expenses (9,993) (8,996)
Staff costs (5,948) (5,438)
Other general and administrative expenses (4,045) (3,558)
Depreciation and amortisation cost (1,442) (1,381)
Provisions or reversal of provisions, net (935) (1,490)
Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss and net gains and losses from changes (4,763) (3,804)
Impairment of investments in subsidiaries, joint ventures and associates, net 0 0
Impairment on non-financial assets, net (61) (130)
Tangible assets (24) (125)
Intangible assets (29) (3)
Others (8) (2)
Gain or losses on non financial assets and investments, net (4) 52
Gains or losses on non-current assets held for sale not classified as discontinued operations (7) (32)
Operating profit/(loss) before tax 7,915 6,914
Tax expense or income from continuing operations (2,374) (2,474)
Profit/(loss) for the period from continuing operations 5,541 4,440
Profit/( loss) after tax from discontinued operations 0 0
Profit/(loss) for the period 5,541 4,440
Profit attributable to non-controlling interests 647 765
Profit/(loss) attributable to the parent € 4,894 € 3,675
Earnings/(losses) per share    
Basic (in euro per share) € 0.27 € 0.20
Diluted (in euro per share) € 0.27 € 0.20
Other financial assets and liabilities    
IFRS Statement [Line Items]    
Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net € 205 € 267
Financial assets at fair value through other comprehensive income    
IFRS Statement [Line Items]    
Interest income 2,211 1,292
Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss and net gains and losses from changes (1) (19)
Financial assets at amortised cost    
IFRS Statement [Line Items]    
Interest income 26,073 19,149
Gain or losses on financial assets and liabilities not measured at fair value through profit or loss, net 28 77
Impairment or reversal of impairment of financial assets not measured at fair value through profit or loss and net gains and losses from changes (4,762) (3,785)
Other interest income    
IFRS Statement [Line Items]    
Interest income 2,585 1,492
Reclassification of financial assets at fair value through other comprehensive income    
IFRS Statement [Line Items]    
Gain or losses on financial assets and liabilities held for trading, net 0 0
Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss 0 0
Reclassification of financial assets at amortized cost    
IFRS Statement [Line Items]    
Gain or losses on financial assets and liabilities held for trading, net 0 0
Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss 0 0
Other gains (losses)    
IFRS Statement [Line Items]    
Gain or losses on financial assets and liabilities held for trading, net 718 347
Gains or losses on non-trading financial assets and liabilities mandatorily at fair value through profit or loss € (15) € 10