Merkur PrivatBank KgaA (ETR:MBK)

Merkur PrivatBank KgaA Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	190.23	146.45	80.74	67.21
Interest Income on Investments	-	-	0.29	0.19	0.04
Total Interest Income	-	190.23	146.74	80.93	67.25
Interest Paid on Deposits	-	94.35	50.97	11.35	9.34
Net Interest Income	113.19	95.88	95.77	69.58	57.91
Net Interest Income Growth (YoY)	18.05%	0.11%	37.65%	20.14%	9.78%
Income From Trading Activities	-	2.54	2.41	5.59	2.72
Other Non-Interest Income	36.49	30.44	21.08	23.78	22.32
Total Non-Interest Income	36.49	32.98	23.49	29.37	25.04
Non-Interest Income Growth (YoY)	10.66%	40.40%	-20.04%	17.30%	0.94%
Revenues Before Loan Losses	149.68	128.85	119.26	98.95	82.95
Provision for Loan Losses	32.09	9.86	8.12	8.34	-8.29
Revenue	117.59	119	111.14	90.61	91.24
Revenue Growth (YoY)	-1.19%	7.07%	22.67%	-0.70%	26.85%
Salaries and Employee Benefits	45.45	40.7	38.16	36.22	30.68
Occupancy Expenses	-	1.61	1.51	1.34	0.88
Selling, General & Administrative	27.81	25.02	22.07	20.42	17.71
Other Non-Interest Expense	14.74	24.39	22.66	12.23	22.27
Total Non-Interest Expense	88	91.71	84.4	70.21	71.53
EBT Excluding Unusual Items	29.59	27.29	26.75	20.4	19.71
Pretax Income	29.59	27.29	26.75	20.4	19.71
Income Tax Expense	14.71	15.7	15.95	10.51	10.54
Net Income	14.88	11.59	10.8	9.89	9.17
Net Income to Common	14.88	11.59	10.8	9.89	9.17
Net Income Growth	28.42%	7.34%	9.17%	7.82%	11.79%
Basic Shares Outstanding	-	8	8	8	8
Diluted Shares Outstanding	-	8	8	8	8
Shares Change (YoY)	-	-	-	0.09%	-0.53%
EPS (Basic)	-	1.49	1.39	1.27	1.18
EPS (Diluted)	-	1.49	1.39	1.27	1.18
EPS Growth	-	7.34%	9.17%	7.72%	12.39%
Dividend Per Share	-	0.500	0.500	0.450	0.450
Dividend Growth	-	-	11.11%	-	12.50%
Effective Tax Rate	49.71%	57.54%	59.64%	51.52%	53.47%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.