EPA:CAT31 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	465.72	474.68	415.91	242.8	219.31	212.82
Interest Income on Investments	37.88	35.97	30.99	29.84	19.19	4.95
Total Interest Income	503.6	510.65	446.9	272.64	238.5	217.76
Interest Paid on Deposits	376.63	390.05	326.01	105.2	92.54	94.44
Net Interest Income	126.97	120.61	120.89	167.43	145.96	123.32
Net Interest Income Growth (YoY)	7.67%	-0.23%	-27.80%	14.71%	18.36%	14.67%
Gain (Loss) on Sale of Assets	-0.03	-0.05	-0.05	0.23	1.18	-0.55
Gain (Loss) on Sale of Investments	-	-	-	-0.08	0.33	-
Other Non-Interest Income	135.29	144.57	129.44	110.26	118.58	116.57
Total Non-Interest Income	135.25	144.52	129.39	110.41	120.09	116.01
Non-Interest Income Growth (YoY)	-3.65%	11.69%	17.20%	-8.06%	3.51%	-25.28%
Revenues Before Loan Losses	262.22	265.13	250.28	277.84	266.04	239.33
Provision for Loan Losses	20.27	14.47	8.1	23.32	1.82	9.11
Revenue	241.95	250.65	242.18	254.52	264.23	230.23
Revenue Growth (YoY)	-3.10%	3.50%	-4.85%	-3.67%	14.77%	-11.15%
Occupancy Expenses	11.46	11.41	11.56	12.01	12.7	13.51
Other Non-Interest Expense	170.67	171	168.89	163.97	159.99	161.68
Total Non-Interest Expense	171.15	176.19	175.41	175.98	172.69	175.19
EBT Excluding Unusual Items	70.81	74.46	66.76	78.54	91.53	55.04
Asset Writedown	0.04	0.04	0.02	0.33	-0.21	0.08
Pretax Income	70.85	74.51	66.78	78.87	91.32	52.03
Income Tax Expense	8.32	8.03	7.47	12.25	21.38	16.6
Earnings From Continuing Operations	62.54	66.48	59.3	66.62	69.94	35.43
Minority Interest in Earnings	-0	-0	-	-	-	-
Net Income	62.53	66.48	59.3	66.62	69.94	35.43
Net Income to Common	62.53	66.48	59.3	66.62	69.94	35.43
Net Income Growth	-7.05%	12.10%	-10.99%	-4.74%	97.41%	-45.37%
Basic Shares Outstanding	3	3	5	5	5	5
Diluted Shares Outstanding	3	3	5	5	5	5
Shares Change (YoY)	-	-30.86%	0.01%	-0.28%	-	0.21%
EPS (Basic)	19.76	21.00	12.95	14.55	15.24	7.72
EPS (Diluted)	19.76	21.00	12.95	14.55	15.24	7.72
EPS Growth	-7.05%	62.13%	-10.99%	-4.47%	97.41%	-45.49%
Dividend Per Share	-	3.700	3.240	3.320	4.030	3.300
Dividend Growth	-	14.20%	-2.41%	-17.62%	22.12%	-24.48%
Effective Tax Rate	11.74%	10.78%	11.19%	15.53%	23.42%	31.90%

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