CrediaBank Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	260.8	196.97	120.66	65.57	76.31
Interest Paid on Deposits	92.52	90.22	45.17	24.93	30.82
Net Interest Income	168.27	106.75	75.49	40.64	45.49
Net Interest Income Growth (YoY)	57.64%	41.41%	85.73%	-10.64%	-16.21%
Gain (Loss) on Sale of Investments	11.98	7.54	6.61	-0.73	-59.49
Other Non-Interest Income	88.96	28.22	21.85	6.93	10.97
Total Non-Interest Income	100.94	35.76	28.46	6.2	-48.52
Non-Interest Income Growth (YoY)	182.28%	25.63%	359.36%	-	-
Revenues Before Loan Losses	269.21	142.51	103.95	46.84	-3.04
Provision for Loan Losses	21.67	398.39	-0.61	306.97	22.77
Revenue	247.54	-255.89	104.56	-260.13	-25.81
Salaries and Employee Benefits	75.91	52.91	34.42	33.88	33.13
Occupancy Expenses	32.26	20.37	15.74	17.13	16.03
Selling, General & Administrative	9.41	7.32	6.79	5.45	6.43
Other Non-Interest Expense	33.68	25.57	21.11	40.97	24.65
Total Non-Interest Expense	150.31	106.54	77.8	97.94	79.54
EBT Excluding Unusual Items	97.23	-362.43	26.76	-358.07	-105.35
Asset Writedown	9.27	4.63	7.12	1.44	0.97
Other Unusual Items	-6.99	-	-	-	-
Pretax Income	64.09	-367.62	28.6	-356.63	-104.37
Income Tax Expense	48.88	-42.16	0.98	29.94	0.67
Earnings From Continuing Operations	15.22	-325.46	27.62	-386.57	-105.05
Net Income	15.22	-325.46	27.62	-386.57	-105.05
Net Income to Common	15.22	-325.46	27.62	-386.57	-105.05
Basic Shares Outstanding	1,618	414	414	0	0
Diluted Shares Outstanding	1,618	414	414	0	0
Shares Change (YoY)	291.29%	0.00%	548551.55%	176.74%	-
EPS (Basic)	0.01	-0.79	0.07	-5129.13	-3857.13
EPS (Diluted)	0.01	-0.79	0.07	-5129.13	-3857.13
Effective Tax Rate	76.26%	-	3.43%	-	-

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