Merkur PrivatBank KgaA 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	Mar '26 Mar 31, 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	-	184.64	190.23	146.45	80.74	67.21
Interest Income on Investments	-	-	-	0.29	0.19	0.04
Total Interest Income	-	184.64	190.23	146.74	80.93	67.25
Interest Paid on Deposits	-	71.46	94.35	50.97	11.35	9.34
Net Interest Income	111.97	113.19	95.88	95.77	69.58	57.91
Net Interest Income Growth (YoY)	10.77%	18.05%	0.11%	37.65%	20.14%	9.78%
Income From Trading Activities	1.8	1.8	2.54	2.41	5.59	2.72
Other Non-Interest Income	35.75	35.44	30.22	21.08	23.78	22.32
Total Non-Interest Income	37.55	37.24	32.75	23.49	29.37	25.04
Non-Interest Income Growth (YoY)	23.18%	13.70%	39.46%	-20.04%	17.30%	0.94%
Revenues Before Loan Losses	149.52	150.43	128.63	119.26	98.95	82.95
Provision for Loan Losses	30.75	32.09	9.86	8.12	8.34	-8.29
Revenue	118.77	118.34	118.78	111.14	90.61	91.24
Revenue Growth (YoY)	-7.63%	-0.37%	6.87%	22.67%	-0.70%	26.85%
Salaries and Employee Benefits	47.56	45.45	40.7	38.16	36.22	30.68
Occupancy Expenses	2.31	2.31	1.61	1.51	1.34	0.88
Selling, General & Administrative	25.89	25.5	25.02	22.07	20.42	17.71
Other Non-Interest Expense	17.11	18.22	24.84	22.66	12.23	22.27
Total Non-Interest Expense	92.87	91.48	92.16	84.4	70.21	71.53
EBT Excluding Unusual Items	25.9	26.86	26.62	26.75	20.4	19.71
Other Unusual Items	0.43	0.43	0.67	-	-	-
Pretax Income	26.33	27.29	27.29	26.75	20.4	19.71
Income Tax Expense	14.01	14.71	15.7	15.95	10.51	10.54
Net Income	12.33	12.58	11.59	10.8	9.89	9.17
Net Income to Common	12.33	12.58	11.59	10.8	9.89	9.17
Net Income Growth	-12.98%	8.56%	7.34%	9.17%	7.82%	11.79%
Basic Shares Outstanding	-	8	8	8	8	8
Diluted Shares Outstanding	-	8	8	8	8	8
Shares Change (YoY)	-	-0.18%	-	-	0.09%	-0.53%
EPS (Basic)	-	1.62	1.49	1.39	1.27	1.18
EPS (Diluted)	-	1.62	1.49	1.39	1.27	1.18
EPS Growth	-	8.76%	7.34%	9.17%	7.72%	12.39%
Dividend Per Share	-	0.500	0.500	0.500	0.450	0.450
Dividend Growth	-	-	-	11.11%	-	12.50%
Effective Tax Rate	53.18%	53.90%	57.54%	59.64%	51.52%	53.47%