| Consensus (EUR m) (*) | 2021 | 2022 | 2023 |
|---|---|---|---|
| Net Interest Income | 14,197 | 14,439 | 14,791 |
| Gross Income | 19,394 | 19,731 | 20,204 |
| Operating Income | 10,450 | 10,701 | 11,023 |
| Net Attributable Profit from ongoing operations | 2,944 | 3,348 | 3,703 |
| Results from corporate operations (US sale) (**) | 302 | 0 | 0 |
| Restructuring costs post tax (***) | -118 | -32 | 0 |
| Net Attributable Profit | 3,128 | 3,316 | 3,703 |
| BIS3 FL CET1 (%) | 14.06 | 13.76 | 13.79 |
Notes: Data updated as of 26/02/2021. This is the first consensus gathered after the sale of the US business. Starting in 1Q21, the US perimeter under the agreement with PNC will be reported in the “Results from Corporate Operations“ P&L line of the Corporate Center, together with the capital gain from the US sale. Following this change, the NY branch and Rest of Eurasia will start being reported together in a new unit called “Rest of Business.” (*) The consensus calculated with the contribution of 20 analysts (**) From the contribution of 12 analysts (results from the US business sold until the closing of the deal and the capital gain from the sale) (***) Only 5 out of 20 analysts provide their estimates on restructuring costs. Considering only this 5 analysts, the average expected amount net of taxes is -471 Mn€ in 2021 and -128 Mn€ in 2022 (fully allocated in Spain)