Texim Bank AD 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 Income on Loans	21.56	19.81	18.27	16.53	11.76	11.71
Interest Income on Investments	0.11	0.05	0.07	0.03	0.06	0.06
Total Interest Income	21.67	19.85	18.34	16.56	11.82	11.77
Interest Paid on Deposits	2.44	2.21	1.24	0.87	1.34	1.62
Net Interest Income	19.23	17.65	17.09	15.69	10.47	10.15
Net Interest Income Growth (YoY)	10.23%	3.23%	8.94%	49.81%	3.21%	14.42%
Gain (Loss) on Sale of Assets	0.09	0.07	0.23	0.03	-0.14	-0.02
Gain (Loss) on Sale of Investments	4.08	3.76	3.99	2.41	2.64	2.47
Other Non-Interest Income	6.27	6	3.48	3.83	3.43	3.36
Total Non-Interest Income	10.43	9.84	7.7	6.27	5.93	5.81
Non-Interest Income Growth (YoY)	27.81%	27.80%	22.83%	5.74%	2.10%	-6.90%
Revenues Before Loan Losses	29.66	27.48	24.79	21.96	16.4	15.95
Provision for Loan Losses	0.19	-0.12	0.31	0.6	0.06	0.05
Revenue	29.47	27.61	24.48	21.36	16.34	15.9
Revenue Growth (YoY)	15.04%	12.76%	14.61%	30.70%	2.79%	4.68%
Occupancy Expenses	3.99	3.93	3.74	3.79	3.76	3.75
Selling, General & Administrative	21.6	20.66	18.36	15.62	13.9	12.41
Other Non-Interest Expense	0.02	-0.03	0.03	0.01	-0	0.09
Total Non-Interest Expense	25.6	24.57	22.14	19.42	17.65	16.26
EBT Excluding Unusual Items	3.87	3.04	2.34	1.94	-1.31	-0.36
Asset Writedown	0.44	0.44	0.19	0.49	1.81	0.68
Pretax Income	4.3	3.47	2.53	2.43	0.5	0.33
Income Tax Expense	0.84	0.84	-0.03	0.05	0.19	0
Net Income	3.46	2.63	2.56	2.38	0.32	0.33
Net Income to Common	3.46	2.63	2.56	2.38	0.32	0.33
Net Income Growth	7.16%	2.77%	7.52%	655.87%	-3.08%	153.91%
Basic Shares Outstanding	-	37	35	31	28	28
Diluted Shares Outstanding	-	37	35	31	28	28
Shares Change (YoY)	-	7.53%	12.52%	10.27%	-	-
EPS (Basic)	-	0.07	0.07	0.08	0.01	0.01
EPS (Diluted)	-	0.07	0.07	0.08	0.01	0.01
EPS Growth	-	-4.43%	-4.44%	585.52%	-3.08%	153.91%
Effective Tax Rate	19.57%	24.24%	-	2.10%	37.38%	0.61%