Bank of Cyprus Holdings 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	845.43	1,010	943.67	450.97	388.55
Interest Paid on Deposits	114.67	187.33	150.16	65.72	67.06
Interest Paid on Borrowings	0.24	1.29	1.29	14.84	25.19
Total Interest Expense	114.92	188.62	151.45	80.56	92.25
Net Interest Income	730.51	821.46	792.22	370.41	296.3
Net Interest Income Growth (YoY)	-11.07%	3.69%	113.88%	25.01%	-10.21%
Gain (Loss) on Sale of Assets	11.97	1.25	9.03	13.96	12.58
Gain (Loss) on Sale of Investments	7.64	9.36	8.24	-7.81	7.84
Gain (Loss) on Sale of Equity Investments	-	-	-	-	0.14
Other Non-Interest Income	283.92	264.19	280.84	292.03	247.56
Total Non-Interest Income	301.52	274.8	304.46	303.41	271.98
Non-Interest Income Growth (YoY)	9.72%	-9.74%	0.34%	11.56%	12.06%
Revenues Before Loan Losses	1,032	1,096	1,097	673.82	568.28
Provision for Loan Losses	33.6	31.8	79.83	59.09	46.14
Revenue	998.43	1,064	1,017	614.73	522.13
Revenue Growth (YoY)	-6.20%	4.68%	65.41%	17.73%	75.44%
Salaries and Employee Benefits	204.94	192.59	184.25	180.51	202.49
Selling, General & Administrative	14.03	14.27	9.65	43.44	43.17
Other Non-Interest Expense	219.5	245.47	229.02	165.8	173.21
Total Non-Interest Expense	438.47	452.33	422.92	389.74	418.87
EBT Excluding Unusual Items	559.96	612.14	593.93	224.99	103.26
Asset Writedown	-2.64	-2.44	1.04	-1	-1.83
Legal Settlements	0.38	-11.78	-28.46	-11.88	0.52
Other Unusual Items	-	-	-2.25	-14.14	-35.68
Pretax Income	548.88	590.27	561.92	90.74	36.12
Income Tax Expense	65.76	81.13	72.98	31.31	4.24
Earnings From Continuing Operations	483.12	509.14	488.94	59.43	31.88
Minority Interest in Earnings	-2.56	-0.96	-1.74	-2.87	-2.17
Net Income	480.56	508.19	487.21	56.57	29.71
Net Income to Common	480.56	508.19	487.21	56.57	29.71
Net Income Growth	-5.44%	4.31%	761.32%	90.40%	-
Basic Shares Outstanding	437	444	446	446	446
Diluted Shares Outstanding	439	446	447	446	446
Shares Change (YoY)	-1.60%	-0.33%	0.25%	-	-
EPS (Basic)	1.10	1.14	1.09	0.13	0.07
EPS (Diluted)	1.10	1.14	1.09	0.13	0.07
EPS Growth	-3.86%	4.59%	759.55%	90.40%	-
Dividend Per Share	0.700	0.480	0.250	0.050	-
Dividend Growth	45.83%	92.00%	400.00%	-	-
Effective Tax Rate	11.98%	13.74%	12.99%	34.51%	11.75%

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