EPA:CAF Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	2,206	2,204	2,399	2,006	1,068	981.24
Interest Income on Investments	116.33	113.27	105.98	107.76	80.15	54.37
Total Interest Income	2,322	2,317	2,505	2,113	1,148	1,036
Interest Paid on Deposits	1,729	1,790	2,034	1,580	417.17	364.39
Net Interest Income	593.41	527.85	471.55	533.31	730.75	671.22
Net Interest Income Growth	20.19%	11.94%	-11.58%	-27.02%	8.87%	9.80%
Gain (Loss) on Sale of Assets	-0.27	-0.26	0.09	-0.01	-0.95	0.7
Gain (Loss) on Sale of Investments	1.7	1.66	-	-1.75	-18.92	-
Other Non-Interest Income	496.73	502.9	494.69	486.52	455.75	403.47
Total Non-Interest Income	498.16	504.3	494.78	484.76	435.88	404.18
Non-Interest Income Growth	-0.04%	1.92%	2.07%	11.21%	7.85%	6.38%
Revenues Before Loan Losses	1,092	1,032	966.33	1,018	1,167	1,075
Provision for Loan Losses	80.56	76.4	87.99	83.9	91.38	50.24
Revenue	1,011	955.75	878.34	934.17	1,075	1,025
Revenue Growth	9.52%	8.81%	-5.98%	-13.12%	4.89%	15.25%
Occupancy Expenses	41.99	42.68	43.93	46.61	50.05	49.4
Selling, General & Administrative	3.77	3.77	4.09	3.26	5.43	3.82
Other Non-Interest Expense	635.76	620.79	597.97	582.33	560.46	533.1
Total Non-Interest Expense	681.52	667.24	645.99	632.2	615.94	586.32
EBT Excluding Unusual Items	329.49	288.51	232.35	301.97	459.31	438.84
Asset Writedown	-	-	-	-	-	-0.75
Pretax Income	329.49	288.51	232.35	301.97	459.31	438.09
Income Tax Expense	68.98	51.73	40.47	57.75	89.53	106.88
Earnings From Continuing Operations	260.51	236.78	191.88	244.22	369.77	331.21
Minority Interest in Earnings	-0.7	-0.57	-	-	-	-0
Net Income	259.81	236.22	191.88	244.22	369.77	331.21
Net Income to Common	259.81	236.22	191.88	244.22	369.77	331.21
Net Income Growth	22.35%	23.11%	-21.43%	-33.95%	11.64%	56.35%
Basic Shares Outstanding	28	28	28	28	28	28
Diluted Shares Outstanding	28	28	28	28	28	28
Shares Change	-0.17%	-0.17%	-0.28%	-0.42%	-0.23%	0.03%
EPS (Basic)	9.36	8.52	6.91	8.77	13.22	11.82
EPS (Diluted)	9.36	8.52	6.91	8.77	13.22	11.82
EPS Growth	22.55%	23.31%	-21.21%	-33.67%	11.90%	56.30%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	2.590	2.590	2.580	2.930	3.050	3.200
Dividend Growth	0.39%	0.39%	-11.95%	-3.93%	-4.69%	23.08%
Effective Tax Rate	20.94%	17.93%	17.42%	19.13%	19.49%	24.40%