EPA:CRAV 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	1,135	1,195	1,052	486.08	430.26	409.94
Interest Income on Investments	78.7	76.81	63.97	56.19	36.36	12.37
Total Interest Income	1,214	1,272	1,116	542.27	466.63	422.31
Interest Paid on Deposits	984.26	1,023	877.37	228.16	172.02	184.31
Total Interest Expense	984.26	1,023	877.37	228.16	172.02	184.31
Net Interest Income	229.53	248.57	238.23	314.11	294.61	238
Net Interest Income Growth (YoY)	-1.41%	4.34%	-24.16%	6.62%	23.78%	-8.69%
Gain (Loss) on Sale of Assets	0.45	0.75	0.54	0.52	0.64	0.86
Other Non-Interest Income	229.95	198.89	194.74	184.83	158.38	154.05
Total Non-Interest Income	230.4	199.64	195.2	185.27	159.33	154.59
Non-Interest Income Growth (YoY)	14.42%	2.28%	5.36%	16.28%	3.06%	-13.05%
Revenues Before Loan Losses	459.93	448.21	433.42	499.37	453.93	392.59
Provision for Loan Losses	46.63	36.96	24.11	25.89	13.81	29.74
Revenue	413.3	411.26	409.31	473.49	440.12	362.85
Revenue Growth (YoY)	4.76%	0.48%	-13.55%	7.58%	21.29%	-15.75%
Occupancy Expenses	22.12	22.13	21.02	20.69	18.74	20.47
Other Non-Interest Expense	306.28	299.23	295.06	291.5	271.26	257.93
Total Non-Interest Expense	328.4	321.35	316.07	312.18	290	278.4
EBT Excluding Unusual Items	84.9	89.91	93.24	161.3	150.12	84.45
Asset Writedown	-	-	-	-	-	0.01
Pretax Income	84.9	89.91	93.24	161.3	150.12	84.46
Income Tax Expense	4.34	4.31	6.83	28.4	36.66	31.86
Net Income	80.56	85.6	86.41	132.9	113.46	52.6
Net Income to Common	80.56	85.6	86.41	132.9	113.46	52.6
Net Income Growth	-0.25%	-0.94%	-34.98%	17.13%	115.70%	-53.26%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change (YoY)	-0.04%	-0.04%	-0.01%	-0.05%	-0.04%	-0.07%
EPS (Basic)	10.91	11.59	11.70	17.99	15.35	7.12
EPS (Diluted)	10.91	11.59	11.70	17.99	15.35	7.12
EPS Growth	-0.21%	-0.90%	-34.98%	17.19%	115.78%	-53.23%
Dividend Per Share	3.530	3.530	3.710	4.020	3.880	3.120
Dividend Growth	-4.85%	-4.85%	-7.71%	3.61%	24.36%	-21.01%
Effective Tax Rate	5.12%	4.79%	7.32%	17.61%	24.42%	37.72%

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