CrediaBank 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	Mar '26 Mar 31, 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	268.16	260.8	196.97	120.66	65.57	76.31
Interest Paid on Deposits	89.73	92.52	90.22	45.17	24.93	30.82
Net Interest Income	178.43	168.27	106.75	75.49	40.64	45.49
Net Interest Income Growth (YoY)	43.88%	57.64%	41.41%	85.73%	-10.64%	-16.21%
Gain (Loss) on Sale of Investments	12.19	11.98	7.54	6.61	-0.73	-59.49
Other Non-Interest Income	83.6	88.96	28.22	21.85	6.93	10.97
Total Non-Interest Income	95.78	100.94	35.76	28.46	6.2	-48.52
Non-Interest Income Growth (YoY)	107.60%	182.28%	25.63%	359.36%	-	-
Revenues Before Loan Losses	274.22	269.21	142.51	103.95	46.84	-3.04
Provision for Loan Losses	24.01	21.67	398.39	-0.61	306.97	22.77
Revenue	250.2	247.54	-255.89	104.56	-260.13	-25.81
Salaries and Employee Benefits	64	75.91	52.91	34.42	33.88	33.13
Occupancy Expenses	31.95	32.26	20.37	15.74	17.13	16.03
Selling, General & Administrative	9.41	9.41	7.32	6.79	5.45	6.43
Other Non-Interest Expense	37.51	33.68	25.57	21.11	40.97	24.65
Total Non-Interest Expense	142.15	150.31	106.54	77.8	97.94	79.54
EBT Excluding Unusual Items	108.05	97.23	-362.43	26.76	-358.07	-105.35
Asset Writedown	9.27	9.27	4.63	7.12	1.44	0.97
Other Unusual Items	-6.99	-6.99	-	-	-	-
Pretax Income	74.91	64.09	-367.62	28.6	-356.63	-104.37
Income Tax Expense	51.98	48.88	-42.16	0.98	29.94	0.67
Earnings From Continuing Operations	22.93	15.22	-325.46	27.62	-386.57	-105.05
Net Income	22.93	15.22	-325.46	27.62	-386.57	-105.05
Net Income to Common	22.93	15.22	-325.46	27.62	-386.57	-105.05
Basic Shares Outstanding	1,755	1,618	414	414	0	0
Diluted Shares Outstanding	1,755	1,618	414	414	0	0
Shares Change (YoY)	156.87%	291.29%	0.00%	548551.55%	176.74%	-
EPS (Basic)	0.01	0.01	-0.79	0.07	-5129.13	-3857.13
EPS (Diluted)	0.01	0.01	-0.79	0.07	-5129.13	-3857.13
Effective Tax Rate	69.39%	76.26%	-	3.43%	-	-

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