B. GROUP FINANCIAL RESULTS 2021 Group: shareholders’ net income at EUR 6.6bn EUR mn 2020 2021 p.y. Operating profit 10,751 13,400 +2,649 Non-operating items -1,148 -3,880 -2,733 Realized gains/losses (net) 1,458 1,829 +371 Impairments (net) -860 -320 +539 Income from financial assets and liabilities carried at fair value (net) -28 122 +150 Interest expenses from external debt -729 -616 +113 Restructuring and integration expenses -768 -626 +143 Amortization of intangible assets -240 -287 -47 Change in reserves for insurance and investment contracts (net) 27 50 +23 Other -7 -4,033 -4,026 Income before taxes 9,604 9,520 -84 Income taxes -2,471 -2,415 +55 Net income 7,133 7,105 -28 Non-controlling interests -326 -495 -169 Shareholders’ net income 6,807 6,610 -197 Effective tax rate 26% 25% -0%-p Earnings per share (in EUR) 16.48 15.96 -0.52 57 B 39