Bottom line was above an average of 395 million euros forecast by a Reuters poll.

Net interest income -- a measure of earnings on loans minus deposit costs --, fell 0.4% to 1.23 billion euros against the same period a year earlier and 0.9% down from the previous quarter. Analysts had forecast a NII of 1.24 billion euros.

(Reporting By Jesús Aguado; editing by Inti Landauro)