Alpha Bank Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	4,173	4,037	4,408	3,582	1,692	1,888
Interest Income on Investments	54	23	6	4	2.3	1.83
Total Interest Income	4,227	4,060	4,414	3,586	1,694	1,889
Interest Paid on Deposits	2,437	2,439	2,763	1,923	517.76	511.64
Net Interest Income	1,790	1,621	1,651	1,663	1,176	1,378
Net Interest Income Growth	11.25%	-1.82%	-0.72%	41.40%	-14.63%	-9.97%
Gain (Loss) on Sale of Assets	22	15	23	3	316.61	-0.67
Gain (Loss) on Sale of Investments	-	2	19	25	17.16	156.12
Other Non-Interest Income	488	508	498	458	561.82	365.1
Total Non-Interest Income	567	564	578	469	891.32	-1,727
Non-Interest Income Growth	-5.03%	-2.42%	23.24%	-47.38%	-	-
Revenues Before Loan Losses	2,357	2,185	2,229	2,132	2,067	-349.6
Provision for Loan Losses	225	399	453	469	560.96	1,433
Revenue	2,132	1,786	1,776	1,663	1,506	-1,783
Revenue Growth	22.39%	0.56%	6.79%	10.39%	-	-
Salaries and Employee Benefits	426	374	370	333	323.65	397.44
Occupancy Expenses	142	131	174	157	142.68	157.06
Selling, General & Administrative	335	259	232	254	386.75	475.4
Other Non-Interest Expense	83	92	109	72	19.01	15.37
Total Non-Interest Expense	954	818	888	815	869.04	1,039
EBT Excluding Unusual Items	1,178	968	888	848	637.44	-2,822
Asset Writedown	-	-38	-8	-19	-67.58	-
Legal Settlements	-3	-8	-	-6	-13.47	-
Pretax Income	1,157	904	818	780	543.88	-2,929
Income Tax Expense	175	-15	221	226	238.93	-55.8
Earnings From Continuing Operations	982	919	597	554	304.95	-2,873
Earnings From Discontinued Operations	18	24	57	64	63.46	-33.14
Minority Interest in Earnings	2	-	-	-	-0.31	-0.09
Net Income	1,002	943	654	618	368.1	-2,906
Preferred Dividends & Other Adjustments	-	70	48	24	-	-
Net Income to Common	1,002	873	606	594	368.1	-2,906
Net Income Growth	24.78%	44.06%	2.02%	61.37%	-	-
Basic Shares Outstanding	2,464	2,308	2,338	2,348	2,347	1,931
Diluted Shares Outstanding	2,469	2,312	2,341	2,351	2,351	1,931
Shares Change	7.07%	-1.27%	-0.40%	0.01%	21.71%	25.12%
EPS (Basic)	0.41	0.38	0.26	0.25	0.16	-1.50
EPS (Diluted)	0.41	0.38	0.26	0.25	0.16	-1.50
EPS Growth	16.48%	45.91%	2.50%	61.26%	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.065	0.113	0.030	0.026	-	-
Dividend Growth	-17.50%	274.56%	16.54%	-	-	-
Effective Tax Rate	15.13%	-	27.02%	28.97%	43.93%	-