Consolidated income statement

(euro/1000)	Dec-09	Dec-08	Change
Net interest income	221,438	242,136	-20,698
Net fee and commission	90,617	74,554	16,063
Total banking income	334,411	309,764	24,647
Net financial income	215,979	255,182	-39,203
Operational costs	- 216,602	- 205,002	-11,600
Net profit for year	-10,563	41,022	-29,758

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