ROIC 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	Jun '25 Jun 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	46,487	49,474	44,658	24,439	18,577	20,715
Interest Income on Investments	8,585	9,685	7,741	3,934	2,474	1,843
Total Interest Income	55,072	59,159	52,399	28,373	21,051	22,558
Interest Paid on Deposits	32,654	34,878	28,510	10,019	5,085	7,402
Interest Paid on Borrowings	7,603	8,993	7,726	3,762	1,966	1,605
Total Interest Expense	40,257	43,871	36,236	13,781	7,051	9,007
Net Interest Income	14,815	15,288	16,163	14,592	14,000	13,551
Net Interest Income Growth (YoY)	-5.79%	-5.41%	10.77%	4.23%	3.31%	-3.75%
Gain (Loss) on Sale of Assets	-	-	-	6	-29	-3
Gain (Loss) on Sale of Investments	-141	-141	-13	-165	42	-2
Gain (Loss) on Sale of Equity Investments	205	205	149	92	141	66
Other Non-Interest Income	5,962	5,896	2,066	16,226	5,868	3,670
Total Non-Interest Income	6,026	5,960	2,202	16,159	6,022	3,731
Non-Interest Income Growth (YoY)	23.05%	170.66%	-86.37%	168.33%	61.40%	-10.08%
Revenues Before Loan Losses	20,841	21,248	18,365	30,751	20,022	17,282
Provision for Loan Losses	1,247	1,194	738	1,328	516	2,675
Revenue	19,594	20,054	17,627	29,423	19,506	14,607
Revenue Growth (YoY)	0.10%	13.77%	-40.09%	50.84%	33.54%	-14.62%
Salaries and Employee Benefits	7,401	7,139	6,693	6,125	5,910	5,793
Selling, General & Administrative	486	486	400	357	336	354
Other Non-Interest Expense	4,315	4,223	4,207	4,467	4,612	4,297
Total Non-Interest Expense	12,202	11,848	11,300	10,949	10,858	10,444
EBT Excluding Unusual Items	7,392	8,206	6,327	18,474	8,648	4,163
Asset Writedown	-31	-31	-38	-79	-121	-558
Legal Settlements	-101	-101	-52	-	-	-
Other Unusual Items	-159	-159	-26.73	-866.93	72	-58
Pretax Income	6,959	7,773	6,037	17,358	8,385	3,398
Income Tax Expense	1,899	2,181	1,662	5,130	2,306	1,070
Earnings From Continuing Operations	5,060	5,592	4,375	12,228	6,079	2,328
Minority Interest in Earnings	-267	-258	-235	-102	-128	-78
Net Income	4,793	5,334	4,140	12,126	5,951	2,250
Net Income to Common	4,793	5,334	4,140	12,126	5,951	2,250
Net Income Growth	-11.08%	28.84%	-65.86%	103.76%	164.49%	-52.94%
Basic Shares Outstanding	3,103	3,229	3,563	3,619	3,889	3,899
Diluted Shares Outstanding	3,103	3,229	3,565	3,624	3,891	3,901
Shares Change (YoY)	-8.82%	-9.44%	-1.63%	-6.85%	-0.27%	0.15%
EPS (Basic)	1.54	1.65	1.16	3.35	1.53	0.58
EPS (Diluted)	1.54	1.65	1.16	3.35	1.53	0.58
EPS Growth	-2.00%	42.24%	-65.37%	118.95%	165.13%	-52.99%
Dividend Per Share	1.060	1.060	1.106	0.559	0.890	0.120
Dividend Growth	-4.16%	-4.16%	97.85%	-37.19%	641.67%	-50.00%
Effective Tax Rate	27.29%	28.06%	27.53%	29.55%	27.50%	31.49%

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