EPA:CAF 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	2,204	2,399	2,006	1,068	981.24
Interest Income on Investments	113.27	105.98	107.76	80.15	54.37
Total Interest Income	2,317	2,505	2,113	1,148	1,036
Interest Paid on Deposits	1,790	2,034	1,580	417.17	364.39
Net Interest Income	527.85	471.55	533.31	730.75	671.22
Net Interest Income Growth (YoY)	11.94%	-11.58%	-27.02%	8.87%	9.80%
Gain (Loss) on Sale of Assets	-0.26	0.09	-0.01	-0.95	0.7
Gain (Loss) on Sale of Investments	1.66	-	-1.75	-18.92	-
Other Non-Interest Income	502.9	494.69	486.52	455.75	403.47
Total Non-Interest Income	504.3	494.78	484.76	435.88	404.18
Non-Interest Income Growth (YoY)	1.92%	2.07%	11.21%	7.85%	6.38%
Revenues Before Loan Losses	1,032	966.33	1,018	1,167	1,075
Provision for Loan Losses	76.4	87.99	83.9	91.38	50.24
Revenue	955.75	878.34	934.17	1,075	1,025
Revenue Growth (YoY)	8.81%	-5.98%	-13.12%	4.89%	15.25%
Occupancy Expenses	42.68	43.93	46.61	50.05	49.4
Selling, General & Administrative	3.77	4.09	3.26	5.43	3.82
Other Non-Interest Expense	620.79	597.97	582.33	560.46	533.1
Total Non-Interest Expense	667.24	645.99	632.2	615.94	586.32
EBT Excluding Unusual Items	288.51	232.35	301.97	459.31	438.84
Asset Writedown	-	-	-	-	-0.75
Pretax Income	288.51	232.35	301.97	459.31	438.09
Income Tax Expense	51.73	40.47	57.75	89.53	106.88
Earnings From Continuing Operations	236.78	191.88	244.22	369.77	331.21
Minority Interest in Earnings	-0.57	-	-	-	-0
Net Income	236.22	191.88	244.22	369.77	331.21
Net Income to Common	236.22	191.88	244.22	369.77	331.21
Net Income Growth	23.11%	-21.43%	-33.95%	11.64%	56.35%
Basic Shares Outstanding	28	28	28	28	28
Diluted Shares Outstanding	28	28	28	28	28
Shares Change (YoY)	-0.17%	-0.28%	-0.42%	-0.23%	0.03%
EPS (Basic)	8.52	6.91	8.77	13.22	11.82
EPS (Diluted)	8.52	6.91	8.77	13.22	11.82
EPS Growth	23.31%	-21.21%	-33.67%	11.90%	56.30%
Dividend Per Share	2.590	2.580	2.930	3.050	3.200
Dividend Growth	0.39%	-11.95%	-3.93%	-4.69%	23.08%
Effective Tax Rate	17.93%	17.42%	19.13%	19.49%	24.40%