Kruso Kapital 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
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Interest Income on Loans	18.06	15.06	11.18
Interest Paid on Deposits	4.67	4.64	3.75
Net Interest Income	13.39	10.43	7.44
Net Interest Income Growth (YoY)	41.23%	40.27%	-
Other Non-Interest Income	19.81	14.27	11.97
Total Non-Interest Income	19.97	14.27	11.97
Non-Interest Income Growth (YoY)	49.15%	19.21%	-
Revenues Before Loan Losses	33.36	24.7	19.41
Provision for Loan Losses	0.1	0.09	0.07
Revenue	33.26	24.61	19.33
Revenue Growth (YoY)	46.20%	27.30%	-
Salaries and Employee Benefits	9.33	8.56	6.93
Occupancy Expenses	1.99	1.17	1.12
Amortization of Goodwill & Intangibles	0.63	0.63	0.57
Selling, General & Administrative	9.27	7.34	6.33
Other Non-Interest Expense	-0.48	-0.67	-0.18
Total Non-Interest Expense	20.73	17.03	14.77
EBT Excluding Unusual Items	12.53	7.58	4.57
Pretax Income	12.53	7.58	4.57
Income Tax Expense	4.63	3.08	1.68
Net Income	7.9	4.5	2.89
Net Income to Common	7.9	4.5	2.89
Net Income Growth	133.64%	55.98%	-
Basic Shares Outstanding	25	25	-
Diluted Shares Outstanding	25	25	-
EPS (Basic)	0.32	0.18	-
EPS (Diluted)	0.32	0.18	-
Effective Tax Rate	36.98%	40.66%	36.80%

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