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	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	442.55	443.13	474.68	415.91	242.8	219.31
Interest Income on Investments	40.52	37.9	35.97	30.99	29.84	19.19
Total Interest Income	483.07	481.03	510.65	446.9	272.64	238.5
Interest Paid on Deposits	328.68	344.6	390.05	326.01	105.2	92.54
Net Interest Income	154.39	136.43	120.61	120.89	167.43	145.96
Net Interest Income Growth	21.60%	13.12%	-0.23%	-27.80%	14.71%	18.36%
Gain (Loss) on Sale of Assets	0.27	0.2	-0.05	-0.05	0.23	1.18
Gain (Loss) on Sale of Investments	0.09	-	-	-	-0.08	0.33
Other Non-Interest Income	146.96	143.89	144.57	129.44	110.26	118.58
Total Non-Interest Income	147.32	144.1	144.52	129.39	110.41	120.09
Non-Interest Income Growth	8.92%	-0.29%	11.69%	17.20%	-8.06%	3.51%
Revenues Before Loan Losses	301.71	280.53	265.12	250.28	277.84	266.04
Provision for Loan Losses	17.58	20.13	14.47	8.1	23.32	1.82
Revenue	284.13	260.39	250.65	242.18	254.52	264.23
Revenue Growth	17.43%	3.89%	3.50%	-4.85%	-3.67%	14.77%
Occupancy Expenses	10.82	11.22	11.41	11.56	12.01	12.7
Other Non-Interest Expense	174.76	173.44	171	168.89	163.97	159.99
Total Non-Interest Expense	180.82	175.66	176.19	175.41	175.98	172.69
EBT Excluding Unusual Items	103.31	84.73	74.46	66.76	78.54	91.53
Asset Writedown	0.01	0.01	0.04	0.02	0.33	-0.21
Pretax Income	103.33	84.75	74.51	66.78	78.87	91.32
Income Tax Expense	19.96	14.25	8.03	7.47	12.25	21.38
Earnings From Continuing Operations	83.37	70.5	66.48	59.3	66.62	69.94
Minority Interest in Earnings	-0	-0	-0	-	-	-
Net Income	83.37	70.5	66.48	59.3	66.62	69.94
Net Income to Common	83.37	70.5	66.48	59.3	66.62	69.94
Net Income Growth	33.32%	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	-	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%

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	4.440	4.440	3.700	3.240	3.320	4.030
Dividend Growth	20.00%	20.00%	14.20%	-2.41%	-17.62%	22.12%
Effective Tax Rate	19.31%	16.81%	10.78%	11.19%	15.53%	23.42%