EPA:CMO 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	441.65	516.19	444.28	226.43	213.06
Interest Income on Investments	45.94	44.5	36.74	32.4	20.68
Total Interest Income	487.59	560.69	481.01	258.83	233.74
Interest Paid on Deposits	359.45	427.38	354.73	101.98	91.73
Net Interest Income	128.14	133.31	126.29	156.85	142.02
Net Interest Income Growth (YoY)	-3.88%	5.56%	-19.49%	10.45%	24.25%
Income From Trading Activities	-0.11	-0.14	0.02	0.27	-0.24
Gain (Loss) on Sale of Assets	-0.02	0.24	0	-0.03	0.22
Other Non-Interest Income	125.94	118.97	111.01	100.07	87
Total Non-Interest Income	125.81	119.07	111.03	100.3	86.98
Non-Interest Income Growth (YoY)	5.66%	7.25%	10.69%	15.32%	-3.13%
Revenues Before Loan Losses	253.95	252.39	237.31	257.15	228.99
Provision for Loan Losses	18.94	23.11	31.07	10.24	1.27
Revenue	235	229.27	206.24	246.92	227.73
Revenue Growth (YoY)	2.50%	11.17%	-16.47%	8.43%	13.88%
Occupancy Expenses	6.17	5.4	5.74	5.65	5.8
Selling, General & Administrative	1.23	0.97	1.05	1.35	1.15
Other Non-Interest Expense	148.9	145.12	142.57	139.89	129.71
Total Non-Interest Expense	156.3	151.49	149.36	146.88	136.67
EBT Excluding Unusual Items	78.7	77.78	56.88	100.04	91.06
Pretax Income	78.7	77.78	56.88	100.04	91.06
Income Tax Expense	9.96	8.98	5.14	17.71	22.17
Net Income	68.74	68.8	51.74	82.33	68.89
Net Income to Common	68.74	68.8	51.74	82.33	68.89
Net Income Growth	-0.09%	32.97%	-37.15%	19.52%	31.94%
Basic Shares Outstanding	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5
Shares Change (YoY)	0.14%	-0.01%	-0.12%	-	-0.02%
EPS (Basic)	13.11	13.14	9.88	15.70	13.14
EPS (Diluted)	13.11	13.14	9.88	15.70	13.14
EPS Growth	-0.23%	32.98%	-37.08%	19.52%	31.97%
Dividend Per Share	3.330	3.050	2.870	2.940	2.720
Dividend Growth	9.18%	6.27%	-2.38%	8.09%	0.74%
Effective Tax Rate	12.66%	11.55%	9.03%	17.70%	24.35%

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