EPA:CRAV 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	1,045	1,195	1,052	486.08	430.26
Interest Income on Investments	-	76.81	63.97	56.19	36.36
Total Interest Income	1,045	1,272	1,116	542.27	466.63
Interest Paid on Deposits	919.55	1,023	877.37	228.16	172.02
Total Interest Expense	919.55	1,023	877.37	228.16	172.02
Net Interest Income	125.41	248.57	238.23	314.11	294.61
Net Interest Income Growth (YoY)	-49.55%	4.34%	-24.16%	6.62%	23.78%
Gain (Loss) on Sale of Assets	0.33	0.75	0.54	0.52	0.64
Gain (Loss) on Sale of Investments	78.52	-	-	-	-
Other Non-Interest Income	273.34	198.89	194.74	184.83	158.38
Total Non-Interest Income	352.32	199.64	195.2	185.27	159.33
Non-Interest Income Growth (YoY)	76.47%	2.28%	5.36%	16.28%	3.06%
Revenues Before Loan Losses	477.72	448.21	433.42	499.37	453.93
Provision for Loan Losses	49.4	36.96	24.11	25.89	13.81
Revenue	428.33	411.26	409.31	473.49	440.12
Revenue Growth (YoY)	4.15%	0.48%	-13.55%	7.58%	21.29%
Occupancy Expenses	22.12	22.13	21.02	20.69	18.74
Other Non-Interest Expense	311.3	299.23	295.06	291.5	271.26
Total Non-Interest Expense	333.43	321.35	316.07	312.18	290
EBT Excluding Unusual Items	94.9	89.91	93.24	161.3	150.12
Pretax Income	94.9	89.91	93.24	161.3	150.12
Income Tax Expense	9.42	4.31	6.83	28.4	36.66
Net Income	85.48	85.6	86.41	132.9	113.46
Net Income to Common	85.48	85.6	86.41	132.9	113.46
Net Income Growth	-0.13%	-0.94%	-34.98%	17.13%	115.70%
Basic Shares Outstanding	-	7	7	7	7
Diluted Shares Outstanding	-	7	7	7	7
Shares Change (YoY)	-	-0.04%	-0.01%	-0.05%	-0.04%
EPS (Basic)	-	11.59	11.70	17.99	15.35
EPS (Diluted)	-	11.59	11.70	17.99	15.35
EPS Growth	-	-0.90%	-34.98%	17.19%	115.78%
Dividend Per Share	-	3.530	3.710	4.020	3.880
Dividend Growth	-	-4.85%	-7.71%	3.61%	24.36%
Effective Tax Rate	9.93%	4.79%	7.32%	17.61%	24.42%

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