Eurobank 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	5,015	5,096	4,454	2,226	1,842	1,955
Interest Income on Investments	-1	-	-	-	-	-
Total Interest Income	5,014	5,096	4,454	2,226	1,842	1,955
Interest Paid on Deposits	2,532	2,589	2,280	746	521	606
Net Interest Income	2,579	2,507	2,174	1,480	1,321	1,349
Net Interest Income Growth (YoY)	7.32%	15.32%	46.89%	12.04%	-2.08%	-2.03%
Income From Trading Activities	-12	94	71	725	-8	3
Gain (Loss) on Sale of Assets	-	-	-	291	-2	230
Gain (Loss) on Sale of Investments	72.6	100	172	-29	97	421
Other Non-Interest Income	790.9	622	501	526	462	384
Total Non-Interest Income	851.5	816	744	1,513	549	1,038
Non-Interest Income Growth (YoY)	5.64%	9.68%	-50.83%	175.59%	-47.11%	148.74%
Revenues Before Loan Losses	3,431	3,323	2,918	2,993	1,870	2,387
Provision for Loan Losses	351	303	412	276	490	2,081
Revenue	3,080	3,020	2,506	2,717	1,380	306
Revenue Growth (YoY)	8.47%	20.51%	-7.77%	96.88%	350.98%	-73.85%
Salaries and Employee Benefits	685	588	473	417.06	433.48	442
Occupancy Expenses	91	84	79	80	78	76
Federal Deposit Insurance	13	11	33	69	75	78
Amortization of Goodwill & Intangibles	61	51	41	37	36	33
Selling, General & Administrative	398	338	275	252	253	240
Other Non-Interest Expense	55	35	48	45	31	20
Total Non-Interest Expense	1,278	967	910	882	898	882
EBT Excluding Unusual Items	1,802	2,053	1,596	1,835	482	-576
Asset Writedown	-	-2	-11	11	32	3
Other Unusual Items	10	-	-	-	-	1
Pretax Income	1,749	1,877	1,548	1,757	489	-879
Income Tax Expense	379	366	267	412	162	336
Earnings From Continuing Operations	1,370	1,511	1,281	1,345	327	-1,215
Earnings From Discontinued Operations	-3	-7	-153	2	-	-
Minority Interest in Earnings	-21	-56	12	-	1	-
Net Income	1,346	1,448	1,140	1,347	328	-1,215
Net Income to Common	1,346	1,448	1,140	1,347	328	-1,215
Net Income Growth	3.94%	27.02%	-15.37%	310.67%	-	-
Basic Shares Outstanding	3,647	3,665	3,699	3,709	3,708	3,708
Diluted Shares Outstanding	3,664	3,683	3,714	3,715	3,709	3,708
Shares Change (YoY)	-0.61%	-0.83%	-0.02%	0.15%	0.04%	11.86%
EPS (Basic)	0.37	0.40	0.31	0.36	0.09	-0.33
EPS (Diluted)	0.37	0.40	0.30	0.36	0.09	-0.33
EPS Growth	7.27%	32.22%	-17.12%	307.59%	-	-
Dividend Per Share	0.105	0.105	0.093	-	-	-
Dividend Growth	12.50%	12.50%	-	-	-	-
Effective Tax Rate	21.67%	19.50%	17.25%	23.45%	33.13%	-

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