EPA:CRAV 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	1,025	1,045	1,195	1,052	486.08	430.26
Interest Income on Investments	83.27	78.52	76.81	63.97	56.19	36.36
Total Interest Income	1,108	1,123	1,272	1,116	542.27	466.63
Interest Paid on Deposits	868.59	919.55	1,023	877.37	228.16	172.02
Total Interest Expense	868.59	919.55	1,023	877.37	228.16	172.02
Net Interest Income	239.62	203.92	248.57	238.23	314.11	294.61
Net Interest Income Growth	4.40%	-17.96%	4.34%	-24.16%	6.62%	23.78%
Gain (Loss) on Sale of Assets	0.13	0.33	0.75	0.54	0.52	0.64
Other Non-Interest Income	266.87	273.34	198.89	194.74	184.83	158.38
Total Non-Interest Income	266.93	273.8	199.64	195.2	185.27	159.33
Non-Interest Income Growth	15.85%	37.15%	2.28%	5.36%	16.28%	3.06%
Revenues Before Loan Losses	506.55	477.72	448.21	433.42	499.37	453.93
Provision for Loan Losses	49.71	49.4	36.96	24.11	25.89	13.81
Revenue	456.83	428.33	411.26	409.31	473.49	440.12
Revenue Growth	10.53%	4.15%	0.48%	-13.55%	7.58%	21.29%
Occupancy Expenses	22.25	22.12	22.13	21.02	20.69	18.74
Other Non-Interest Expense	318.69	311.3	299.23	295.06	291.5	271.26
Total Non-Interest Expense	340.94	333.43	321.35	316.07	312.18	290
EBT Excluding Unusual Items	115.9	94.9	89.91	93.24	161.3	150.12
Pretax Income	115.9	94.9	89.91	93.24	161.3	150.12
Income Tax Expense	10.55	9.42	4.31	6.83	28.4	36.66
Net Income	105.35	85.48	85.6	86.41	132.9	113.46
Net Income to Common	105.35	85.48	85.6	86.41	132.9	113.46
Net Income Growth	30.77%	-0.13%	-0.94%	-34.98%	17.13%	115.70%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change	-0.03%	-0.03%	-0.04%	-0.01%	-0.05%	-0.04%
EPS (Basic)	14.27	11.58	11.59	11.70	17.99	15.35
EPS (Diluted)	14.27	11.58	11.59	11.70	17.99	15.35
EPS Growth	30.80%	-0.11%	-0.90%	-34.98%	17.19%	115.78%

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	3.860	3.860	3.530	3.710	4.020	3.880
Dividend Growth	9.35%	9.35%	-4.85%	-7.71%	3.61%	24.36%
Effective Tax Rate	9.10%	9.93%	4.79%	7.32%	17.61%	24.42%