Kruso Kapital 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	18.66	15.06	11.18	7.85	5.99
Interest Paid on Deposits	4.45	4.64	3.75	0.77	0.58
Net Interest Income	14.21	10.43	7.44	7.08	5.41
Net Interest Income Growth (YoY)	36.23%	40.27%	5.00%	30.94%	-
Gain (Loss) on Sale of Investments	0.01	-	-	-	-
Gain (Loss) on Sale of Equity Investments	0.19	-	-	-	-
Other Non-Interest Income	21.57	14.27	11.97	8.29	6.6
Total Non-Interest Income	21.77	14.27	11.97	8.29	6.6
Non-Interest Income Growth (YoY)	52.53%	19.21%	44.48%	25.62%	-
Revenues Before Loan Losses	35.97	24.7	19.41	15.37	12
Provision for Loan Losses	0.29	0.09	0.07	0.05	-0.13
Revenue	35.68	24.61	19.33	15.32	12.14
Revenue Growth (YoY)	45.00%	27.30%	26.19%	26.25%	-
Salaries and Employee Benefits	9.53	8.56	6.93	6.06	5.87
Occupancy Expenses	1.47	1.17	1.12	1.18	1.02
Amortization of Goodwill & Intangibles	1.31	0.63	0.57	0.29	0.21
Selling, General & Administrative	9.93	7.34	6.33	5.02	3.92
Other Non-Interest Expense	-0.48	-0.67	-0.18	-0.11	-0.37
Total Non-Interest Expense	21.76	17.03	14.77	12.43	10.65
EBT Excluding Unusual Items	13.92	7.58	4.57	2.89	1.48
Pretax Income	13.92	7.58	4.57	2.89	1.48
Income Tax Expense	5.14	3.08	1.68	1.07	0.4
Net Income	8.78	4.5	2.89	1.82	1.09
Net Income to Common	8.78	4.5	2.89	1.82	1.09
Net Income Growth	95.02%	55.98%	58.34%	67.62%	-
Basic Shares Outstanding	-	25	23	-	-
Diluted Shares Outstanding	-	25	23	-	-
Shares Change (YoY)	-	5.80%	-	-	-
EPS (Basic)	-	0.18	0.12	-	-
EPS (Diluted)	-	0.18	0.12	-	-
EPS Growth	-	47.43%	-	-	-
Effective Tax Rate	36.95%	40.66%	36.80%	36.89%	26.70%

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