Alpha Bank S.A. (ATH:ALPHA)

Alpha Bank Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	4,152	4,408	3,582	1,692	1,888	2,057
Interest Income on Investments	18	6	4	2.3	1.83	2.96
Total Interest Income	4,170	4,414	3,586	1,694	1,889	2,060
Interest Paid on Deposits	2,561	2,763	1,923	517.76	511.64	529.61
Net Interest Income	1,609	1,651	1,663	1,176	1,378	1,530
Net Interest Income Growth (YoY)	-4.66%	-0.72%	41.40%	-14.63%	-9.97%	-1.17%
Gain (Loss) on Sale of Assets	24	27	3	316.61	-0.67	-18.82
Gain (Loss) on Sale of Investments	8	21	25	17.16	156.12	517.04
Other Non-Interest Income	560	512	458	561.82	365.1	348.23
Total Non-Interest Income	615	591	469	891.32	-1,727	1,020
Non-Interest Income Growth (YoY)	13.05%	26.01%	-47.38%	-	-	29.80%
Revenues Before Loan Losses	2,224	2,242	2,132	2,067	-349.6	2,550
Provision for Loan Losses	464	453	469	560.96	1,433	1,319
Revenue	1,760	1,789	1,663	1,506	-1,783	1,231
Revenue Growth (YoY)	4.41%	7.58%	10.39%	-	-	-8.38%
Salaries and Employee Benefits	376	370	333	323.65	397.44	444.73
Occupancy Expenses	150	179	157	142.68	157.06	158.98
Selling, General & Administrative	259	238	254	386.75	475.4	366.16
Other Non-Interest Expense	96	109	72	19.01	15.37	113.47
Total Non-Interest Expense	859	896	815	869.04	1,039	1,084
EBT Excluding Unusual Items	901	893	848	637.44	-2,822	146.62
Asset Writedown	-47	-15	-19	-67.58	-	-
Legal Settlements	-6	-	-6	-13.47	-	-
Pretax Income	786	816	780	543.88	-2,929	111.37
Income Tax Expense	-73	219	226	238.93	-55.8	10.13
Earnings From Continuing Operations	859	597	554	304.95	-2,873	101.24
Earnings From Discontinued Operations	10	57	64	63.46	-33.14	2.77
Minority Interest in Earnings	-1	-	-	-0.31	-0.09	-0.21
Net Income	868	654	618	368.1	-2,906	103.8
Preferred Dividends & Other Adjustments	70	48	24	-	-	-
Net Income to Common	798	606	594	368.1	-2,906	103.8
Net Income Growth	42.41%	5.83%	67.89%	-	-	-1.42%
Basic Shares Outstanding	2,256	2,314	2,348	2,347	1,931	1,544
Diluted Shares Outstanding	2,259	2,317	2,351	2,351	1,931	1,544
Shares Change (YoY)	-3.15%	-1.45%	0.01%	21.71%	25.12%	-
EPS (Basic)	0.35	0.26	0.25	0.16	-1.50	0.07
EPS (Diluted)	0.35	0.26	0.25	0.16	-1.50	0.07
EPS Growth	47.03%	3.64%	61.26%	-	-	-1.48%
Dividend Per Share	0.030	0.030	0.026	-	-	-
Dividend Growth	16.72%	16.72%	-	-	-	-
Effective Tax Rate	-	26.84%	28.97%	43.93%	-	9.10%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.