BVB:BRD Income Statement

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

Millions RON. 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	4,961	4,782	4,220	2,941	2,234
Interest Paid on Deposits	1,856	1,870	1,495	570.85	150.04
Net Interest Income	3,105	2,912	2,725	2,370	2,084
Net Interest Income Growth (YoY)	6.63%	6.84%	14.96%	13.73%	-0.13%
Gain (Loss) on Sale of Investments	7.95	-	-	-	-
Gain (Loss) on Sale of Equity Investments	11.61	16.92	15.76	5.34	11.44
Other Non-Interest Income	1,234	1,091	1,101	1,087	1,006
Total Non-Interest Income	1,253	1,108	1,117	1,092	1,017
Non-Interest Income Growth (YoY)	13.16%	-0.84%	2.27%	7.34%	1.74%
Revenues Before Loan Losses	4,358	4,019	3,842	3,463	3,102
Provision for Loan Losses	225.19	145.34	-57.38	95.11	-145.66
Revenue	4,133	3,874	3,900	3,368	3,247
Revenue Growth (YoY)	6.69%	-0.66%	15.80%	3.70%	18.76%
Salaries and Employee Benefits	1,035	1,010	962.96	898.9	828.69
Occupancy Expenses	281.76	236.85	244.89	227.33	237.59
Federal Deposit Insurance	49.04	43.52	68.09	69.17	49.38
Selling, General & Administrative	41.52	50.63	46.53	46.39	39.52
Other Non-Interest Expense	810.49	663.08	569.14	501.26	440.49
Total Non-Interest Expense	2,217	2,004	1,892	1,743	1,596
EBT Excluding Unusual Items	1,916	1,870	2,008	1,624	1,652
Asset Writedown	-5.79	-19.15	-3.53	-1.56	-1.36
Legal Settlements	-8.46	12.8	-7.95	-3.39	-4.55
Pretax Income	1,901	1,863	1,996	1,620	1,646
Income Tax Expense	355.56	339.58	340.63	282.43	326.86
Earnings From Continuing Operations	1,546	1,524	1,656	1,337	1,319
Minority Interest in Earnings	-	0.63	-16.25	-9.08	-9.22
Net Income	1,546	1,524	1,640	1,328	1,310
Net Income to Common	1,546	1,524	1,640	1,328	1,310
Net Income Growth	1.40%	-7.02%	23.46%	1.40%	36.13%
Basic Shares Outstanding	697	697	697	697	697
Diluted Shares Outstanding	697	697	697	697	697
EPS (Basic)	2.22	2.19	2.35	1.91	1.88
EPS (Diluted)	2.22	2.19	2.35	1.91	1.88
EPS Growth	1.40%	-7.02%	23.46%	1.40%	36.13%
Dividend Per Share	-	1.058	1.173	0.923	1.285
Dividend Growth	-	-9.76%	27.09%	-28.20%	1615.62%
Effective Tax Rate	18.70%	18.22%	17.06%	17.44%	19.86%

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