regarding Domestic BU regarding Brazil BU 142 45 74 regarding activities abroad 20 38 24 *Mainly includes write-downs and expenses in connection with non-financial credit management for 423 million euros (577 million euros in 2019), risk provisions for 43 million euros (497 million euros in 2019), contributions and charges for the performance of TLC activities for 199 million euros (268 million euros in 2019) and penalties, settlement compensation and administrative fines for 120 million euros (58 million euros in 2019), net of “Indirect taxes and duties” for 96 million euros (124 million euros in 2019) included in the item “Taxes and duties”..