CaixaBank 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	Jun '26 Jun 30, 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	14,840	15,001	16,960	14,641	7,473	5,500
Interest Income on Investments	2,825	3,081	4,037	3,745	1,887	2,584
Total Interest Income	17,665	18,082	20,997	18,386	9,360	8,084
Interest Paid on Deposits	6,827	7,350	9,789	8,110	2,645	1,917
Net Interest Income	10,837	10,732	11,208	10,276	6,715	6,167
Net Interest Income Growth	-0.37%	-4.25%	9.07%	53.03%	8.89%	22.19%
Income From Trading Activities	-50	292	-8	-42	470	97
Gain (Loss) on Sale of Assets	142	76	23	-28	-10	-13
Gain (Loss) on Sale of Investments	18	-12	66	68	12	15
Gain (Loss) on Sale of Equity Investments	314	288	261	281	222	425
Other Non-Interest Income	5,425	4,914	4,323	3,598	3,656	3,551
Total Non-Interest Income	5,849	5,558	4,665	3,877	4,350	4,075
Non-Interest Income Growth	-0.71%	19.14%	20.32%	-10.87%	6.75%	20.53%
Revenues Before Loan Losses	16,686	16,290	15,873	14,153	11,065	10,242
Provision for Loan Losses	952	935	1,053	1,228	882	897
Revenue	15,734	15,355	14,820	12,925	10,183	9,345
Revenue Growth	0.10%	3.61%	14.66%	26.93%	8.97%	20.77%
Salaries and Employee Benefits	4,042	3,972	3,776	3,516	3,331	5,588
Occupancy Expenses	816	791	778	774	730	-
Amortization of Goodwill & Intangibles	-	-	-	-	-	695
Selling, General & Administrative	1,664	1,617	1,522	1,470	1,445	1,706
Other Non-Interest Expense	65	76	183	12	201	291
Total Non-Interest Expense	6,587	6,456	6,259	5,772	5,707	8,280
EBT Excluding Unusual Items	9,147	8,899	8,561	7,153	4,476	1,065
Asset Writedown	-65	-69	-27	-60	-59	175
Legal Settlements	-222	-156	-215	-169	-97	-225
Other Unusual Items	-	-	-	-	-	4,300
Pretax Income	8,860	8,674	8,319	6,924	4,320	5,315
Income Tax Expense	2,709	2,775	2,525	2,108	1,189	88
Earnings From Continuing Operations	6,151	5,899	5,794	4,816	3,131	5,227
Earnings From Discontinued Operations	3	2	1	2	2	2
Minority Interest in Earnings	-11	-10	-8	-2	-4	-3
Net Income	6,143	5,891	5,787	4,816	3,129	5,226
Preferred Dividends & Other Adjustments	285	278	267	277	261	244
Net Income to Common	5,858	5,613	5,520	4,539	2,868	4,982
Net Income Growth	3.50%	1.69%	21.61%	58.26%	-42.43%	302.42%
Basic Shares Outstanding	7,007	7,060	7,262	7,470	7,819	7,575
Diluted Shares Outstanding	7,007	7,060	7,262	7,470	7,819	7,575
Shares Change	-2.01%	-2.78%	-2.78%	-4.46%	3.22%	26.71%
EPS (Basic)	0.84	0.80	0.76	0.61	0.37	0.66
EPS (Diluted)	0.83	0.79	0.76	0.61	0.37	0.66
EPS Growth	4.83%	3.95%	25.08%	65.66%	-44.23%	217.58%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	0.332	0.500	0.435	0.392	0.231	0.146
Dividend Growth	-44.94%	14.89%	11.05%	69.95%	57.62%	445.90%
Effective Tax Rate	30.58%	31.99%	30.35%	30.45%	27.52%	1.66%