EPA:CMO 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	481.95	516.19	444.28	226.43	213.06	200.31
Interest Income on Investments	45.93	44.5	36.74	32.4	20.68	6.29
Total Interest Income	527.88	560.69	481.01	258.83	233.74	206.6
Interest Paid on Deposits	398.29	427.38	354.73	101.98	91.73	92.31
Net Interest Income	129.59	133.31	126.29	156.85	142.02	114.29
Net Interest Income Growth (YoY)	-3.92%	5.56%	-19.49%	10.45%	24.25%	-15.63%
Income From Trading Activities	-0.2	-0.14	0.02	0.27	-0.24	2.79
Gain (Loss) on Sale of Assets	0.23	0.24	0	-0.03	0.22	0.01
Other Non-Interest Income	120.13	118.97	111.01	100.07	87	86.99
Total Non-Interest Income	120.16	119.07	111.03	100.3	86.98	89.79
Non-Interest Income Growth (YoY)	3.63%	7.25%	10.69%	15.32%	-3.13%	1.48%
Revenues Before Loan Losses	249.75	252.39	237.31	257.15	228.99	204.08
Provision for Loan Losses	19.95	23.11	31.07	10.24	1.27	4.12
Revenue	229.8	229.27	206.24	246.92	227.73	199.96
Revenue Growth (YoY)	7.48%	11.17%	-16.47%	8.43%	13.88%	-7.31%
Occupancy Expenses	5.67	5.4	5.74	5.65	5.8	5.65
Selling, General & Administrative	0.97	0.97	1.05	1.35	1.15	1.26
Other Non-Interest Expense	147.85	145.12	142.57	139.89	129.71	126.1
Total Non-Interest Expense	154.49	151.49	149.36	146.88	136.67	133.01
EBT Excluding Unusual Items	75.31	77.78	56.88	100.04	91.06	66.96
Pretax Income	75.31	77.78	56.88	100.04	91.06	66.96
Income Tax Expense	5.91	8.98	5.14	17.71	22.17	14.75
Net Income	69.41	68.8	51.74	82.33	68.89	52.21
Net Income to Common	69.41	68.8	51.74	82.33	68.89	52.21
Net Income Growth	26.10%	32.97%	-37.15%	19.52%	31.94%	-7.72%
Basic Shares Outstanding	5	5	5	5	5	5
Diluted Shares Outstanding	5	5	5	5	5	5
Shares Change (YoY)	-0.04%	-0.01%	-0.12%	-	-0.02%	-0.05%
EPS (Basic)	13.23	13.14	9.88	15.70	13.14	9.96
EPS (Diluted)	13.23	13.14	9.88	15.70	13.14	9.96
EPS Growth	26.15%	32.98%	-37.08%	19.52%	31.97%	-7.68%
Dividend Per Share	3.050	3.050	2.870	2.940	2.720	2.700
Dividend Growth	6.27%	6.27%	-2.38%	8.09%	0.74%	12.97%
Effective Tax Rate	7.84%	11.55%	9.03%	17.70%	24.35%	22.02%

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