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
Net Interest Income	150.82	171.76	174.26	257.92	258.24	225.64
Net Interest Income Growth	-12.19%	-1.43%	-32.44%	-0.13%	14.45%	5.33%
Non-Interest Income	308.66	275.7	258.62	240.94	195.05	166.1
Non-Interest Income Growth	11.95%	6.60%	7.34%	23.53%	17.43%	-25.72%
Revenues Before Loan Losses	459.48	447.47	432.88	498.86	453.3	391.74
Provision for Credit Losses	46.63	36.96	24.11	25.89	13.81	29.74
Revenue	412.85	410.51	408.77	472.97	439.48	362
Revenue Growth	0.57%	0.43%	-13.57%	7.62%	21.40%	-15.83%
Selling, General & Admin	306.28	299.23	295.06	291.5	271.26	257.93
Other Non-Interest Expenses	21.67	21.38	20.47	20.17	18.11	19.61
Total Non-Interest Expense	327.95	320.6	315.53	311.67	289.36	277.54
Pretax Income	84.9	89.91	93.24	161.3	150.12	84.46
Provision for Income Taxes	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	-5.88%	-0.94%	-34.98%	17.13%	115.70%	-53.26%
Shares Outstanding (Basic)	7	1	1	1	1	1
Shares Outstanding (Diluted)	7	1	1	1	1	1
Shares Change	506.00%	-1.74%	-0.62%	-1.10%	-0.97%	-0.26%
EPS (Basic)	10.92	11.77	12.37	13.40	12.95	10.41
EPS (Diluted)	10.92	11.77	12.37	13.40	12.95	10.41
EPS Growth	-7.20%	-4.85%	-7.69%	3.48%	24.40%	-20.84%
Free Cash Flow	-420.87	229.8	-903.23	-139.74	1,175	445.27
Free Cash Flow Growth	-	-	-	-	163.96%	-12.21%
Free Cash Flow Per Share	-57.06	188.81	-729.19	-112.11	932.54	349.85
Dividends Per Share	3.530	3.530	3.710	4.020	3.880	3.120
Dividend Growth	0%	-4.85%	-7.71%	3.61%	24.36%	-21.01%
Profit Margin	19.51%	20.85%	21.14%	28.10%	25.82%	14.53%
FCF Margin	-101.94%	55.98%	-220.96%	-29.55%	267.44%	123.00%
Effective Tax Rate	5.12%	4.79%	7.33%	17.61%	24.42%	37.72%