BFF Bank 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 and Dividend Income	494.27	507.27	767.32	638.31	364.6	233.99
Total Interest Expense	244.99	266.39	384.18	345.26	92.99	39.55
Net Interest Income	249.28	240.88	383.15	293.05	271.61	194.44
Commissions and Fees	110.8	109	110.52	112.37	127.59	109.28
Gain (Loss) on Sale of Loans & Receivables	10.46	10.46	3.33	22.04	0.17	-0
Gain (Loss) on Sale of Investments	0.29	-6.61	-7.02	1.7	5.15	2.73
Other Revenue	15.48	15.98	7.89	0.29	12.62	6.63
Revenue Before Loan Losses	386.3	369.7	497.87	429.45	417.15	313.09
Provision for Loan Losses	80.84	81.44	5.57	4.93	5.91	-0.34
Revenue	305.46	288.26	492.3	424.52	411.24	313.43
Revenue Growth (YoY)	-35.79%	-41.45%	15.97%	3.23%	31.21%	50.79%
Salaries & Employee Benefits	85.42	85.42	79.51	75.98	74.35	73.23
Cost of Services Provided	120.96	128.26	138.6	124.5	117.02	109.62
Other Operating Expenses	-37.5	-26.5	-40.2	-20.61	-0.25	-11.63
Total Operating Expenses	186.89	204.69	191.77	192.92	203.77	181.31
Operating Income	118.57	83.57	300.53	231.59	207.47	132.12
Earnings From Equity Investments	-	-	-	-	-	0.2
EBT Excluding Unusual Items	118.77	83.77	300.8	231.32	207.54	132.55
Gain (Loss) on Sale of Investments	-9.14	3.56	6.38	-0.27	0.29	-0.15
Other Unusual Items	-	-	-	3.95	123.38	64.26
Pretax Income	109.63	87.33	307.18	235	331.2	196.66
Income Tax Expense	25.35	17.15	87.83	63.34	99.15	-0.71
Net Income	84.27	70.17	219.35	171.66	232.05	197.37
Net Income to Common	84.27	70.17	219.35	171.66	232.05	197.37
Net Income Growth	-60.20%	-68.01%	27.78%	-26.02%	17.57%	116.72%
Shares Outstanding (Basic)	-	-	187	186	185	185
Shares Outstanding (Diluted)	-	-	190	188	186	195
Shares Change (YoY)	-	-	1.06%	1.02%	-4.70%	10.70%
EPS (Basic)	-	-	1.17	0.92	1.26	1.07
EPS (Diluted)	-	-	1.15	0.91	1.25	1.01
EPS Growth	-	-	26.74%	-27.20%	23.76%	94.23%
Free Cash Flow	-	-	10.14	-203.93	133.39	506.52
Free Cash Flow Per Share	-	-	0.05	-1.08	0.72	2.59
Dividend Per Share	-	-	-	0.979	0.790	1.574
Dividend Growth	-	-	-	23.94%	-49.80%	8210.54%
Operating Margin	38.82%	28.99%	61.05%	54.55%	50.45%	42.15%
Profit Margin	27.59%	24.34%	44.56%	40.44%	56.43%	62.97%
Free Cash Flow Margin	-	-	2.06%	-48.04%	32.44%	161.60%
Effective Tax Rate	23.13%	19.64%	28.59%	26.95%	29.94%	-

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