EPA:CAF Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 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	2,345	2,399	2,006	1,068	981.24	934.22
Interest Income on Investments	111.37	105.98	107.76	80.15	54.37	28.3
Total Interest Income	2,456	2,505	2,113	1,148	1,036	962.52
Interest Paid on Deposits	1,962	2,034	1,580	417.17	364.39	351.24
Net Interest Income	493.75	471.55	533.31	730.75	671.22	611.28
Net Interest Income Growth (YoY)	-0.25%	-11.58%	-27.02%	8.87%	9.80%	-1.60%
Gain (Loss) on Sale of Assets	0.06	0.09	-0.01	-0.95	0.7	-0.78
Gain (Loss) on Sale of Investments	-	-	-1.75	-18.92	-	-1.3
Other Non-Interest Income	498.28	494.69	486.52	455.75	403.47	382.01
Total Non-Interest Income	498.35	494.78	484.76	435.88	404.18	379.93
Non-Interest Income Growth (YoY)	2.24%	2.07%	11.21%	7.85%	6.38%	-9.79%
Revenues Before Loan Losses	992.09	966.33	1,018	1,167	1,075	991.21
Provision for Loan Losses	68.94	87.99	83.9	91.38	50.24	101.68
Revenue	923.15	878.34	934.17	1,075	1,025	889.53
Revenue Growth (YoY)	1.34%	-5.98%	-13.12%	4.89%	15.25%	-10.51%
Occupancy Expenses	43.47	43.93	46.61	50.05	49.4	57.19
Selling, General & Administrative	4.09	4.09	3.26	5.43	3.82	11.46
Other Non-Interest Expense	617.33	597.97	582.33	560.46	533.1	507
Total Non-Interest Expense	664.89	645.99	632.2	615.94	586.32	575.65
EBT Excluding Unusual Items	258.26	232.35	301.97	459.31	438.84	313.88
Asset Writedown	-	-	-	-	-0.75	0.92
Pretax Income	258.26	232.35	301.97	459.31	438.09	314.8
Income Tax Expense	45.91	40.47	57.75	89.53	106.88	102.96
Earnings From Continuing Operations	212.35	191.88	244.22	369.77	331.21	211.84
Minority Interest in Earnings	-	-	-	-	-0	-
Net Income	212.35	191.88	244.22	369.77	331.21	211.84
Net Income to Common	212.35	191.88	244.22	369.77	331.21	211.84
Net Income Growth	-8.33%	-21.43%	-33.95%	11.64%	56.35%	-28.41%
Basic Shares Outstanding	28	28	28	28	28	28
Diluted Shares Outstanding	28	28	28	28	28	28
Shares Change (YoY)	0.03%	-0.28%	-0.42%	-0.23%	0.03%	-0.68%
EPS (Basic)	7.64	6.91	8.77	13.22	11.82	7.56
EPS (Diluted)	7.64	6.91	8.77	13.22	11.82	7.56
EPS Growth	-8.35%	-21.21%	-33.67%	11.90%	56.30%	-27.91%
Dividend Per Share	2.580	2.580	2.930	3.050	3.200	2.600
Dividend Growth	-11.95%	-11.95%	-3.93%	-4.69%	23.08%	-29.73%
Effective Tax Rate	17.78%	17.42%	19.13%	19.49%	24.40%	32.71%

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