Eurobank 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	4,901	4,850	5,096	4,454	2,226	1,842
Interest Income on Investments	155	-	-	-	-	-
Total Interest Income	5,056	4,850	5,096	4,454	2,226	1,842
Interest Paid on Deposits	2,275	2,301	2,589	2,280	746	521
Net Interest Income	2,715	2,549	2,507	2,174	1,480	1,321
Net Interest Income Growth	5.27%	1.68%	15.32%	46.89%	12.04%	-2.08%
Income From Trading Activities	-26	-26	94	71	725	-8
Gain (Loss) on Sale of Assets	12	16	12	-	291	-2
Gain (Loss) on Sale of Investments	116	122	100	172	-29	97
Other Non-Interest Income	845	734	604	501	526	462
Total Non-Interest Income	947	846	810	744	1,513	549
Non-Interest Income Growth	18.38%	4.44%	8.87%	-50.83%	175.59%	-47.11%
Revenues Before Loan Losses	3,662	3,395	3,317	2,918	2,993	1,870
Provision for Loan Losses	353	379	303	412	276	490
Revenue	3,309	3,016	3,014	2,506	2,717	1,380
Revenue Growth	9.28%	0.07%	20.27%	-7.77%	96.88%	350.98%
Salaries and Employee Benefits	738	707	601	473	417.06	433.48
Occupancy Expenses	91	92	84	79	80	78
Federal Deposit Insurance	32	32	21	33	69	75
Amortization of Goodwill & Intangibles	61	60	51	41	37	36
Selling, General & Administrative	393	367	315	275	252	253
Other Non-Interest Expense	69	69	57	48	45	31
Total Non-Interest Expense	1,345	1,287	989	910	882	898
EBT Excluding Unusual Items	1,964	1,729	2,025	1,596	1,835	482
Asset Writedown	13	19	-2	-11	11	32
Other Unusual Items	-58	-	-	-	-	-
Pretax Income	1,849	1,686	1,855	1,548	1,757	489
Income Tax Expense	371	315	344	267	412	162
Earnings From Continuing Operations	1,478	1,371	1,511	1,281	1,345	327
Earnings From Discontinued Operations	12	-9	-7	-153	2	-
Minority Interest in Earnings	-	-	-56	12	-	1
Net Income	1,490	1,362	1,448	1,140	1,347	328
Preferred Dividends & Other Adjustments	37	12	-	-	-	-
Net Income to Common	1,453	1,350	1,448	1,140	1,347	328
Net Income Growth	7.95%	-6.77%	27.02%	-15.37%	310.67%	-
Basic Shares Outstanding	3,604	3,653	3,665	3,699	3,709	3,708
Diluted Shares Outstanding	3,618	3,670	3,683	3,714	3,715	3,709
Shares Change	-1.71%	-0.34%	-0.83%	-0.02%	0.15%	0.04%
EPS (Basic)	0.40	0.37	0.40	0.31	0.36	0.09
EPS (Diluted)	0.40	0.37	0.40	0.30	0.36	0.09
EPS Growth	9.76%	-6.97%	32.22%	-17.12%	307.59%	-

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	0.131	0.118	0.105	0.093	-	-
Dividend Growth	-13.65%	12.38%	12.54%	-	-	-
Effective Tax Rate	20.06%	18.68%	18.54%	17.25%	23.45%	33.13%