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.