UmweltBank AG Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Dec '23 Dec 31, 2023	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Interest Income on Loans	81.42	81.42	63.32	62.53	62.94	65.53	Upgrade
Interest Income on Investments	19.57	19.57	11.09	8.36	6.13	5.46	Upgrade
Total Interest Income	101	101	74.4	70.9	69.08	70.98	Upgrade
Interest Paid on Deposits	59.89	59.89	15.61	7.66	16.97	19.98	Upgrade
Net Interest Income	41.11	41.11	58.79	63.24	52.1	51	Upgrade
Net Interest Income Growth (YoY)	-19.41%	-30.08%	-7.04%	21.37%	2.16%	-0.45%	Upgrade
Income From Trading Activities	0.6	0.6	2.27	3.99	1.51	1.54	Upgrade
Gain (Loss) on Sale of Investments	-10.34	-10.34	19.85	0.18	1.1	3.19	Upgrade
Gain (Loss) on Sale of Equity Investments	5.24	5.24	2.43	2.07	0.84	1.45	Upgrade
Other Non-Interest Income	11.37	11.37	10.01	7.26	11.71	5.68	Upgrade
Total Non-Interest Income	6.87	6.87	34.56	13.5	15.15	11.86	Upgrade
Non-Interest Income Growth (YoY)	-42.09%	-80.12%	155.97%	-10.91%	27.74%	98.94%	Upgrade
Revenues Before Loan Losses	47.98	47.98	93.35	76.74	67.26	62.87	Upgrade
Provision for Loan Losses	-4.66	-4.66	9.58	3	1.13	2.7	Upgrade
Revenue	52.63	52.63	83.77	73.74	66.12	60.16	Upgrade
Revenue Growth (YoY)	-12.52%	-37.17%	13.60%	11.52%	9.91%	8.02%	Upgrade
Salaries and Employee Benefits	25.62	25.62	19.88	17.15	13.78	11.21	Upgrade
Occupancy Expenses	0.7	0.7	0.71	0.93	0.73	0.58	Upgrade
Selling, General & Administrative	31.51	31.51	21.58	16.51	13.29	10.43	Upgrade
Other Non-Interest Expense	-4.12	-4.12	13.4	7.06	8.48	9.09	Upgrade
Total Non-Interest Expense	53.71	53.71	55.56	41.65	36.28	31.31	Upgrade
EBT Excluding Unusual Items	-1.08	-1.08	28.21	32.09	29.85	28.86	Upgrade
Pretax Income	-1.08	-1.08	28.21	32.09	29.85	28.86	Upgrade
Income Tax Expense	-1.8	-1.8	8.66	12.71	11.35	11.68	Upgrade
Net Income	0.73	0.73	19.55	19.38	18.5	17.17	Upgrade
Net Income to Common	0.73	0.73	19.55	19.38	18.5	17.17	Upgrade
Net Income Growth	-95.75%	-96.27%	0.90%	4.75%	7.72%	1.39%	Upgrade
Basic Shares Outstanding	36	36	36	35	31	31	Upgrade
Diluted Shares Outstanding	36	36	36	35	31	31	Upgrade
Shares Change (YoY)	17.74%	1.08%	0.64%	14.29%	1.28%	8.41%	Upgrade
EPS (Basic)	0.02	0.02	0.55	0.55	0.60	0.56	Upgrade
EPS (Diluted)	0.02	0.02	0.55	0.55	0.60	0.56	Upgrade
EPS Growth	-96.39%	-96.31%	0.25%	-8.35%	6.36%	-6.47%	Upgrade
Dividend Per Share	-	-	0.330	0.330	0.330	-	Upgrade
Effective Tax Rate	-	-	30.70%	39.61%	38.03%	40.49%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.