UmweltBank AG Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	-	115.32	81.76	63.32	62.53
Interest Income on Investments	-	10.19	19.57	11.09	8.36
Total Interest Income	-	125.5	101.34	74.4	70.9
Interest Paid on Deposits	-	86.3	62.53	15.61	7.66
Net Interest Income	58.45	39.2	38.81	58.79	63.24
Net Interest Income Growth (YoY)	49.11%	1.00%	-33.98%	-7.03%	21.37%
Income From Trading Activities	-	-	0.6	2.27	3.99
Gain (Loss) on Sale of Investments	-	-14.09	-11.5	19.85	0.18
Gain (Loss) on Sale of Equity Investments	-	3.7	1.39	2.43	2.07
Other Non-Interest Income	25.92	29.64	29.06	10.01	7.26
Total Non-Interest Income	25.92	19.26	19.55	34.56	13.5
Non-Interest Income Growth (YoY)	34.63%	-1.51%	-43.43%	155.97%	-10.91%
Revenues Before Loan Losses	84.37	58.45	58.36	93.35	76.74
Provision for Loan Losses	6.03	4.93	-4.66	9.58	3
Revenue	78.34	53.52	63.02	83.77	73.74
Revenue Growth (YoY)	46.37%	-15.07%	-24.77%	13.60%	11.52%
Salaries and Employee Benefits	30.29	26.2	25.7	19.88	17.15
Occupancy Expenses	0.61	7.01	5.12	0.71	0.93
Selling, General & Administrative	41	41.24	33.07	21.58	16.51
Other Non-Interest Expense	-5	-5.28	-1.69	13.4	7.06
Total Non-Interest Expense	66.91	67.46	63.1	55.56	41.65
EBT Excluding Unusual Items	11.44	-13.94	-0.08	28.21	32.09
Pretax Income	11.44	-13.94	-0.08	28.21	32.09
Income Tax Expense	-2.82	12.47	-0.75	8.66	12.71
Net Income	14.26	-26.41	0.66	19.55	19.38
Net Income to Common	14.26	-26.41	0.66	19.55	19.38
Net Income Growth	-	-	-96.60%	0.90%	4.75%
Basic Shares Outstanding	42	36	36	36	35
Diluted Shares Outstanding	42	36	36	36	35
Shares Change (YoY)	16.13%	0.18%	1.08%	0.64%	14.29%
EPS (Basic)	0.34	-0.73	0.02	0.55	0.55
EPS (Diluted)	0.34	-0.73	0.02	0.55	0.55
EPS Growth	-	-	-96.64%	0.25%	-8.35%
Dividend Per Share	0.050	-	-	0.330	0.330
Effective Tax Rate	-	-	-	30.70%	39.61%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.