Espirito Santo Financial Group SA reported unaudited consolidated earnings results for the nine months ended September 30, 2013. For the period, net interest income of 809,363,000 against 964,475,000, operating income of 1,933,973,000 against 2,667,379,000, loss before tax (Inc. Gains from Financial Investments & Share of profit of Associates) of 489,090,000 against profit before tax (Inc. Gains from Financial Investments & Share of profit of Associates) of 458,467,000 and net loss of 107,551,000 compared to net income of 254,374,000 a year ago. Commercial banking income at ESFG declined by 15.1% year-on-year to 1.36 billion compared to 1.61 billion in September 2012.