BVMF:BILB34 Income Statement

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

Millions EUR. 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	-	55,224	42,141	29,134	20,244
Interest Income on Investments	-	6,555	5,827	2,421	2,946
Total Interest Income	-	61,779	47,968	31,555	23,190
Interest Paid on Deposits	-	33,824	22,998	11,125	8,329
Interest Paid on Borrowings	-	2,570	1,762	1,183	-
Total Interest Expense	-	36,394	24,760	12,308	8,329
Net Interest Income	26,280	25,385	23,208	19,247	14,861
Net Interest Income Growth (YoY)	3.53%	9.38%	20.58%	29.51%	0.90%
Income From Trading Activities	2,656	2,458	1,352	562	341
Gain (Loss) on Sale of Assets	-	-3	50	-119	-16
Gain (Loss) on Sale of Investments	-	740	417	105	856
Gain (Loss) on Sale of Equity Investments	-	40	26	21	1
Other Non-Interest Income	8,349	8,617	6,454	6,454	5,547
Total Non-Interest Income	11,005	11,872	8,340	7,031	6,756
Non-Interest Income Growth (YoY)	-7.30%	42.35%	18.62%	4.07%	19.24%
Revenues Before Loan Losses	37,285	37,257	31,548	26,278	21,617
Provision for Loan Losses	6,073	5,687	4,386	3,303	3,017
Revenue	31,212	31,570	27,162	22,975	18,600
Revenue Growth (YoY)	-1.13%	16.23%	18.22%	23.52%	22.09%
Salaries and Employee Benefits	7,773	7,659	6,530	5,601	5,046
Occupancy Expenses	1,521	1,533	1,403	1,328	1,234
Selling, General & Administrative	5,038	4,520	3,924	3,403	2,902
Other Non-Interest Expense	298	501	666	506	1,271
Total Non-Interest Expense	14,630	14,213	12,523	10,838	10,453
EBT Excluding Unusual Items	16,582	17,357	14,639	12,137	8,147
Asset Writedown	-	14	-42	28	-180
Legal Settlements	-	-191	-171	-210	-135
Other Unusual Items	-356	-1,775	-2,007	-1,687	-585
Pretax Income	16,226	15,405	12,419	10,268	7,247
Income Tax Expense	5,100	4,830	4,003	3,505	1,909
Earnings From Continuing Operations	11,126	10,575	8,416	6,763	5,338
Earnings From Discontinued Operations	-	-	-	-	280
Minority Interest in Earnings	-615	-521	-397	-405	-965
Net Income	10,511	10,054	8,019	6,358	4,653
Preferred Dividends & Other Adjustments	397	388	345	313	359
Net Income to Common	10,114	9,666	7,674	6,045	4,294
Net Income Growth	4.54%	25.38%	26.13%	36.64%	256.55%
Basic Shares Outstanding	5,748	5,769	5,954	6,189	6,401
Diluted Shares Outstanding	5,748	5,769	5,954	6,189	6,401
Shares Change (YoY)	-0.36%	-3.11%	-3.80%	-3.31%	-31.33%
EPS (Basic)	1.76	1.68	1.29	0.98	0.67
EPS (Diluted)	1.76	1.68	1.29	0.98	0.67
EPS Growth	5.02%	30.00%	31.96%	45.60%	379.17%
Dividend Per Share	0.920	0.700	0.550	0.430	0.310
Dividend Growth	31.43%	27.27%	27.91%	38.71%	425.42%
Effective Tax Rate	31.43%	31.35%	32.23%	34.13%	26.34%

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