BIT:BDB 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	553.09	559.19	650.16	598.21	336.94	294.44
Interest Income on Investments	0.69	0.69	0.75	0.6	0.6	0.69
Total Interest Income	553.77	559.89	650.91	598.81	337.54	295.13
Interest Paid on Deposits	208.89	211.73	266.1	237.08	52.16	40.71
Net Interest Income	344.88	348.15	384.81	361.73	285.38	254.42
Net Interest Income Growth (YoY)	-8.80%	-9.53%	6.38%	26.76%	12.17%	13.51%
Income From Trading Activities	4.67	4.64	3.91	4.4	4.54	4.29
Gain (Loss) on Sale of Assets	-0.03	-0.03	-0.03	-0.01	0.07	-0.1
Gain (Loss) on Sale of Investments	2.18	4.23	-0.93	-5.63	-10.08	5.14
Other Non-Interest Income	247.03	234.9	207.58	209.04	180.27	188.43
Total Non-Interest Income	262.05	249.17	212.34	199.6	170.56	186.44
Non-Interest Income Growth (YoY)	22.22%	17.34%	6.38%	17.03%	-8.51%	8.93%
Revenues Before Loan Losses	606.93	597.32	597.15	561.33	455.94	440.86
Provision for Loan Losses	39.6	36.62	44.39	58.61	42.76	86.5
Revenue	567.33	560.7	552.76	502.72	413.18	354.36
Revenue Growth (YoY)	3.64%	1.44%	9.96%	21.67%	16.60%	9.52%
Salaries and Employee Benefits	235.72	234.79	235.1	205.59	175.74	175.37
Occupancy Expenses	19.47	19.47	18.84	18	16.21	16.27
Amortization of Goodwill & Intangibles	5.93	5.6	4.58	4.04	2.08	1.75
Selling, General & Administrative	109.24	107.14	114.17	114.11	103.6	96.06
Other Non-Interest Expense	2.61	1.86	-4.3	16.84	0.69	0.88
Total Non-Interest Expense	372.96	368.86	368.39	358.58	298.32	290.32
EBT Excluding Unusual Items	194.38	191.84	184.38	144.14	114.87	64.05
Asset Writedown	-0.16	-0.16	-0.12	-0.16	-	-0.12
Legal Settlements	-1.9	-1.9	-2.47	-6.42	-4.68	-4.16
Other Unusual Items	4.23	4.24	6.58	66.64	0.02	-0.31
Pretax Income	196.54	194.02	188.37	204.2	109.89	60.45
Income Tax Expense	68.28	66.71	65.11	61.87	35.3	11.32
Earnings From Continuing Operations	128.26	127.31	123.26	142.34	74.6	49.12
Earnings From Discontinued Operations	-	-	2.96	98.03	6.87	5.78
Minority Interest in Earnings	-0.34	-	0.69	-	-	-
Net Income	127.92	127.31	126.91	240.36	81.46	54.9
Net Income to Common	127.92	127.31	126.91	240.36	81.46	54.9
Net Income Growth	3.67%	0.32%	-47.20%	195.06%	48.38%	131.75%
Basic Shares Outstanding	131	132	134	134	134	134
Diluted Shares Outstanding	131	132	134	134	134	134
Shares Change (YoY)	-0.62%	-1.67%	-0.17%	-	-	-
EPS (Basic)	0.97	0.97	0.95	1.79	0.61	0.41
EPS (Diluted)	0.97	0.97	0.95	1.79	0.61	0.41
EPS Growth	4.32%	2.02%	-47.11%	195.06%	48.38%	131.75%
Dividend Per Share	-	0.510	0.457	0.263	0.197	0.137
Dividend Growth	-	11.80%	73.35%	33.77%	44.25%	126.37%
Effective Tax Rate	34.74%	34.38%	34.57%	30.30%	32.12%	18.73%