BVB:BRD Income Statement

Financials in millions RON. Fiscal year is January - December.

Millions RON. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	4,889	4,782	4,220	2,941	2,234	2,261
Interest Paid on Deposits	1,816	1,870	1,495	570.85	150.04	174.48
Net Interest Income	3,073	2,912	2,725	2,370	2,084	2,087
Net Interest Income Growth (YoY)	7.14%	6.84%	14.96%	13.73%	-0.13%	-2.95%
Gain (Loss) on Sale of Equity Investments	17.97	16.92	15.76	5.34	11.44	-5.2
Other Non-Interest Income	1,176	1,091	1,101	1,087	1,006	1,005
Total Non-Interest Income	1,194	1,108	1,117	1,092	1,017	1,000
Non-Interest Income Growth (YoY)	4.49%	-0.84%	2.27%	7.34%	1.74%	-11.65%
Revenues Before Loan Losses	4,267	4,019	3,842	3,463	3,102	3,087
Provision for Loan Losses	204.64	145.34	-57.38	95.11	-145.66	352.65
Revenue	4,062	3,874	3,900	3,368	3,247	2,734
Revenue Growth (YoY)	4.25%	-0.66%	15.80%	3.70%	18.76%	-21.56%
Salaries and Employee Benefits	1,034	1,010	962.96	898.9	828.69	833.62
Occupancy Expenses	240.12	236.85	244.89	227.33	237.59	244.31
Federal Deposit Insurance	49.04	43.52	68.09	69.17	49.38	43.3
Selling, General & Administrative	54.54	50.63	46.53	46.39	39.52	36.69
Other Non-Interest Expense	758.97	663.08	569.14	501.26	440.49	429.08
Total Non-Interest Expense	2,136	2,004	1,892	1,743	1,596	1,587
EBT Excluding Unusual Items	1,926	1,870	2,008	1,624	1,652	1,147
Asset Writedown	-13.45	-19.15	-3.53	-1.56	-1.36	-1
Legal Settlements	32.91	12.8	-7.95	-3.39	-4.55	1.01
Pretax Income	1,945	1,863	1,996	1,620	1,646	1,147
Income Tax Expense	357.73	339.58	340.63	282.43	326.86	184.49
Earnings From Continuing Operations	1,588	1,524	1,656	1,337	1,319	962.86
Minority Interest in Earnings	-1.19	0.63	-16.25	-9.08	-9.22	-0.8
Net Income	1,586	1,524	1,640	1,328	1,310	962.06
Net Income to Common	1,586	1,524	1,640	1,328	1,310	962.06
Net Income Growth	4.30%	-7.02%	23.46%	1.40%	36.13%	-35.53%
Basic Shares Outstanding	697	697	697	697	697	697
Diluted Shares Outstanding	697	697	697	697	697	697
EPS (Basic)	2.28	2.19	2.35	1.91	1.88	1.38
EPS (Diluted)	2.28	2.19	2.35	1.91	1.88	1.38
EPS Growth	4.30%	-7.02%	23.46%	1.40%	36.13%	-35.53%
Dividend Per Share	1.058	1.058	1.173	0.923	1.285	0.075
Dividend Growth	-9.76%	-9.76%	27.09%	-28.20%	1615.62%	-
Effective Tax Rate	18.39%	18.22%	17.06%	17.44%	19.86%	16.08%

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