EPA:CAT31 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	443.13	474.68	415.91	242.8	219.31
Interest Income on Investments	37.9	35.97	30.99	29.84	19.19
Total Interest Income	481.03	510.65	446.9	272.64	238.5
Interest Paid on Deposits	344.6	390.05	326.01	105.2	92.54
Net Interest Income	136.43	120.61	120.89	167.43	145.96
Net Interest Income Growth (YoY)	13.12%	-0.23%	-27.80%	14.71%	18.36%
Gain (Loss) on Sale of Assets	0.2	-0.05	-0.05	0.23	1.18
Gain (Loss) on Sale of Investments	-	-	-	-0.08	0.33
Other Non-Interest Income	143.89	144.57	129.44	110.26	118.58
Total Non-Interest Income	144.1	144.52	129.39	110.41	120.09
Non-Interest Income Growth (YoY)	-0.29%	11.69%	17.20%	-8.06%	3.51%
Revenues Before Loan Losses	280.53	265.12	250.28	277.84	266.04
Provision for Loan Losses	20.13	14.47	8.1	23.32	1.82
Revenue	260.39	250.65	242.18	254.52	264.23
Revenue Growth (YoY)	3.89%	3.50%	-4.85%	-3.67%	14.77%
Occupancy Expenses	11.22	11.41	11.56	12.01	12.7
Other Non-Interest Expense	173.44	171	168.89	163.97	159.99
Total Non-Interest Expense	175.66	176.19	175.41	175.98	172.69
EBT Excluding Unusual Items	84.73	74.46	66.76	78.54	91.53
Asset Writedown	0.01	0.04	0.02	0.33	-0.21
Pretax Income	84.75	74.51	66.78	78.87	91.32
Income Tax Expense	14.25	8.03	7.47	12.25	21.38
Earnings From Continuing Operations	70.5	66.48	59.3	66.62	69.94
Minority Interest in Earnings	-0	-0	-	-	-
Net Income	70.5	66.48	59.3	66.62	69.94
Net Income to Common	70.5	66.48	59.3	66.62	69.94
Net Income Growth	6.05%	12.09%	-10.99%	-4.74%	97.41%
Basic Shares Outstanding	4	3	5	5	5
Diluted Shares Outstanding	4	3	5	5	5
Shares Change (YoY)	42.17%	-30.86%	0.01%	-0.28%	-
EPS (Basic)	15.67	21.00	12.95	14.55	15.24
EPS (Diluted)	15.67	21.00	12.95	14.55	15.24
EPS Growth	-25.41%	62.13%	-10.99%	-4.47%	97.41%
Dividend Per Share	4.440	3.700	3.240	3.320	4.030
Dividend Growth	20.00%	14.20%	-2.41%	-17.62%	22.12%
Effective Tax Rate	16.81%	10.78%	11.19%	15.53%	23.42%

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