BIT:BDB Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	559.19	650.16	598.21	336.94	294.44
Interest Income on Investments	0.69	0.75	0.6	0.6	0.69
Total Interest Income	559.89	650.91	598.81	337.54	295.13
Interest Paid on Deposits	211.73	266.1	237.08	52.16	40.71
Net Interest Income	348.15	384.81	361.73	285.38	254.42
Net Interest Income Growth (YoY)	-9.53%	6.38%	26.76%	12.17%	13.51%
Income From Trading Activities	4.64	3.91	4.4	4.54	4.29
Gain (Loss) on Sale of Assets	-0.03	-0.03	-0.01	0.07	-0.1
Gain (Loss) on Sale of Investments	4.23	-0.93	-5.63	-10.08	5.14
Other Non-Interest Income	234.9	207.58	209.04	180.27	188.43
Total Non-Interest Income	249.17	212.34	199.6	170.56	186.44
Non-Interest Income Growth (YoY)	17.34%	6.38%	17.03%	-8.51%	8.93%
Revenues Before Loan Losses	597.32	597.15	561.33	455.94	440.86
Provision for Loan Losses	36.62	44.39	58.61	42.76	86.5
Revenue	560.7	552.76	502.72	413.18	354.36
Revenue Growth (YoY)	1.44%	9.96%	21.67%	16.60%	9.52%
Salaries and Employee Benefits	234.79	235.1	205.59	175.74	175.37
Occupancy Expenses	19.47	18.84	18	16.21	16.27
Amortization of Goodwill & Intangibles	5.6	4.58	4.04	2.08	1.75
Selling, General & Administrative	107.14	114.17	114.11	103.6	96.06
Other Non-Interest Expense	1.86	-4.3	16.84	0.69	0.88
Total Non-Interest Expense	368.86	368.39	358.58	298.32	290.32
EBT Excluding Unusual Items	191.84	184.38	144.14	114.87	64.05
Asset Writedown	-0.16	-0.12	-0.16	-	-0.12
Legal Settlements	-1.9	-2.47	-6.42	-4.68	-4.16
Other Unusual Items	4.24	6.58	66.64	0.02	-0.31
Pretax Income	194.02	188.37	204.2	109.89	60.45
Income Tax Expense	66.71	65.11	61.87	35.3	11.32
Earnings From Continuing Operations	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	-	0.69	-	-	-
Net Income	127.31	126.91	240.36	81.46	54.9
Net Income to Common	127.31	126.91	240.36	81.46	54.9
Net Income Growth	0.32%	-47.20%	195.06%	48.38%	131.75%
Basic Shares Outstanding	132	134	134	134	134
Diluted Shares Outstanding	132	134	134	134	134
Shares Change (YoY)	-1.67%	-0.17%	-	-	-
EPS (Basic)	0.97	0.95	1.79	0.61	0.41
EPS (Diluted)	0.97	0.95	1.79	0.61	0.41
EPS Growth	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	34.38%	34.57%	30.30%	32.12%	18.73%

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