EPA:CAT31 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	Mar '26 Mar 31, 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
Net Interest Income	280.32	98.53	84.64	89.9	137.59	126.77
Net Interest Income Growth	5.71%	16.41%	-5.86%	-34.66%	8.54%	7.10%
Non-Interest Income	-	235.44	233.96	197.94	171.28	170.31
Non-Interest Income Growth	-	0.64%	18.20%	15.56%	0.57%	34.99%
Revenues Before Loan Losses	280.32	333.97	318.59	287.84	308.88	297.09
Provision for Credit Losses	-	20.13	14.47	8.1	23.32	1.82
Revenue	280.32	313.84	304.12	279.74	285.56	295.27
Revenue Growth (YoY)	5.71%	3.19%	8.71%	-2.04%	-3.29%	25.41%
Compensation Expenses	-	184.65	182.37	180.44	175.65	172.9
Other Non-Interest Expenses	-	-9.21	-6.17	-5	-0.23	-1.18
Total Non-Interest Expense	-	175.44	176.19	175.44	175.42	171.73
Pretax Income	84.75	84.75	74.51	66.78	78.87	91.32
Provision for Income Taxes	14.25	14.25	8.03	7.47	12.25	21.38
Net Income	70.5	70.5	66.48	59.3	66.62	69.94
Minority Interest in Earnings	-	0	0	-	-	-
Net Income to Common	70.5	70.5	66.48	59.3	66.62	69.94
Net Income Growth	6.05%	6.05%	12.09%	-10.99%	-4.74%	97.41%
Shares Outstanding (Basic)	5	4	5	1	1	1
Shares Outstanding (Diluted)	5	4	5	1	1	1
Shares Change (YoY)	-0.54%	-0.63%	217.73%	-	-	-
EPS (Basic)	15.63	15.67	14.68	67.35	69.13	83.82
EPS (Diluted)	15.63	15.67	14.68	67.35	69.13	83.82
EPS Growth	6.63%	6.72%	-78.20%	-2.57%	-17.53%	22.22%
Free Cash Flow	-	-13.16	-6.34	-261.9	-404.98	367.32
Free Cash Flow Growth	-	-	-	-	-	-6.12%
Free Cash Flow Per Share	-	-2.92	-1.40	-183.76	-284.14	257.72
Dividends Per Share	-	4.440	3.700	3.240	3.320	4.030
Dividend Growth	-	20.00%	14.20%	-2.41%	-17.62%	22.12%
Profit Margin	25.15%	22.46%	21.86%	21.20%	23.33%	23.69%
FCF Margin	-	-4.19%	-2.09%	-93.62%	-141.82%	124.40%
Effective Tax Rate	16.81%	16.81%	10.78%	11.19%	15.53%	23.42%