96 Business performance and financial position Annual Information I. Income Statement in TEUR Notes 2021 2020 Ia. Interest income using the effective interest method 75,578 67,109 Ib. Other interest income, interest-similar income and current income 20,180 16,985 II. Interest and similar expense –34,464 –27,397 A. Net interest income 20 61,294 56,697 III. Credit risk provisions 21 –3,145 –5,575 B. Net interest income after risk provisions 58,149 51,122 IV. Income accounted for at equity 6,105 6,233 V. Fee and commission income 22 26,311 22,264 VI. Fee and commission expenses 22 –9,318 –7,686 VII-VIII. Result from trading 23 9,865 –5,460 IX. Result from financial investments 24 –166 156 X. Administrative expenses 25 –57,607 –55,334 XIa. Other operating income 26 8,288 7,260 XIb. Other operating expenses 26 –7,641 –6,088 XIc. Other taxes 26 –1,480 –1,618 C. Result before tax 32,505 10,848 XII. Taxes on income 27 –5,020 –1,513 D. Result after tax 27,486 9,335 Statement of Comprehensive Income in TEUR 2021 2020 Result after tax 27,486 9,335 Other comprehensive income: Items that will not be reclassified to profit or loss: Remeasurements (Gains/Losses) *) 1,640 –385 Solvency-based changes to liabilities assessed at fair value –6,737 –3,204 Changes to fair values in FVOCI asset instruments 8,189 8,568 Deferred tax on items accounted directly in equity **) –74 –1,405 Items that may be reclassified to profit or loss: Changes to fair values in FVOCI debt instruments ***) –6,723 2,965 Deferred tax on items accounted directly in equity 1,483 –555 Other comprehensive income –2,222 5,985 Total comprehensive income 25,264 15,320 *) from at equity investments 35 –158 **) from at equity investments –9 39 ***) No (2020: no) amounts were in this respect reclassified to profit and loss (recycling).
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