CrediaBank Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	265.62	196.97	120.66	65.57	76.31	90.77
Interest Paid on Deposits	102.99	90.22	45.17	24.93	30.82	36.48
Net Interest Income	162.63	106.75	75.49	40.64	45.49	54.29
Net Interest Income Growth (YoY)	84.05%	41.41%	85.73%	-10.64%	-16.21%	23.79%
Gain (Loss) on Sale of Investments	5.2	7.54	6.61	-0.73	-59.49	13.96
Other Non-Interest Income	56.97	28.22	21.85	6.93	10.97	5.88
Total Non-Interest Income	62.31	35.76	28.46	6.2	-48.52	19.84
Non-Interest Income Growth (YoY)	86.94%	25.63%	359.36%	-	-	-30.00%
Revenues Before Loan Losses	224.94	142.51	103.95	46.84	-3.04	74.13
Provision for Loan Losses	9.46	398.39	-0.61	306.97	22.77	264.5
Revenue	215.48	-255.89	104.56	-260.13	-25.81	-190.37
Salaries and Employee Benefits	81.37	52.91	34.42	33.88	33.13	35.27
Occupancy Expenses	30.98	20.37	15.74	17.13	16.03	13.42
Selling, General & Administrative	12.1	9.49	6.79	5.45	6.43	2.88
Other Non-Interest Expense	25.58	23.4	21.11	40.97	24.65	40.79
Total Non-Interest Expense	149.51	106.54	77.8	97.94	79.54	91.07
EBT Excluding Unusual Items	65.98	-362.43	26.76	-358.07	-105.35	-281.44
Asset Writedown	4.63	4.63	7.12	1.44	0.97	-1.43
Other Unusual Items	-	-	-	-	-	-3
Pretax Income	30.18	-367.62	28.6	-356.63	-104.37	-285.87
Income Tax Expense	2.4	-42.16	0.98	29.94	0.67	20.56
Earnings From Continuing Operations	27.78	-325.46	27.62	-386.57	-105.05	-306.42
Net Income	27.78	-325.46	27.62	-386.57	-105.05	-306.42
Net Income to Common	27.78	-325.46	27.62	-386.57	-105.05	-306.42
Basic Shares Outstanding	414	414	414	0	0	-
Diluted Shares Outstanding	414	414	414	0	0	-
Shares Change (YoY)	-74.79%	0.00%	548551.55%	176.74%	-	-
EPS (Basic)	0.07	-0.79	0.07	-5129.13	-3857.13	-
EPS (Diluted)	0.07	-0.79	0.07	-5129.13	-3857.13	-
Effective Tax Rate	7.95%	-	3.43%	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.