UmweltBank AG 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
Interest Income on Loans	123.37	115.32	81.76	63.32	62.53	62.94
Interest Income on Investments	10.19	10.19	19.57	11.09	8.36	6.13
Total Interest Income	133.55	125.5	101.34	74.4	70.9	69.08
Interest Paid on Deposits	85.27	86.3	62.53	15.61	7.66	16.97
Net Interest Income	48.28	39.2	38.81	58.79	63.24	52.1
Net Interest Income Growth (YoY)	-17.88%	1.00%	-33.98%	-7.03%	21.37%	2.16%
Income From Trading Activities	1.06	-	0.6	2.27	3.99	1.51
Gain (Loss) on Sale of Investments	-18.92	-14.09	-11.5	19.85	0.18	1.1
Gain (Loss) on Sale of Equity Investments	3.7	3.7	1.39	2.43	2.07	0.84
Other Non-Interest Income	43.36	29.64	29.06	10.01	7.26	11.71
Total Non-Interest Income	29.21	19.26	19.55	34.56	13.5	15.15
Non-Interest Income Growth (YoY)	-15.48%	-1.51%	-43.43%	155.97%	-10.91%	27.74%
Revenues Before Loan Losses	77.48	58.45	58.36	93.35	76.74	67.26
Provision for Loan Losses	9.03	4.93	-4.66	9.58	3	1.13
Revenue	68.45	53.52	63.02	83.77	73.74	66.12
Revenue Growth (YoY)	-18.29%	-15.07%	-24.77%	13.60%	11.52%	9.91%
Salaries and Employee Benefits	26.2	26.2	25.7	19.88	17.15	13.78
Occupancy Expenses	8.07	7.01	5.12	0.71	0.93	0.73
Selling, General & Administrative	47.35	41.24	33.07	21.58	16.51	13.29
Other Non-Interest Expense	-4.83	-5.28	-1.69	13.4	7.06	8.48
Total Non-Interest Expense	74.09	67.46	63.1	55.56	41.65	36.28
EBT Excluding Unusual Items	-5.64	-13.94	-0.08	28.21	32.09	29.85
Pretax Income	-5.64	-13.94	-0.08	28.21	32.09	29.85
Income Tax Expense	10.14	12.47	-0.75	8.66	12.71	11.35
Net Income	-15.78	-26.41	0.66	19.55	19.38	18.5
Net Income to Common	-15.78	-26.41	0.66	19.55	19.38	18.5
Net Income Growth	-	-	-96.60%	0.90%	4.75%	7.72%
Basic Shares Outstanding	-	36	36	36	35	31
Diluted Shares Outstanding	-	36	36	36	35	31
Shares Change (YoY)	-	0.18%	1.08%	0.64%	14.29%	1.28%
EPS (Basic)	-	-0.73	0.02	0.55	0.55	0.60
EPS (Diluted)	-	-0.73	0.02	0.55	0.55	0.60
EPS Growth	-	-	-96.64%	0.25%	-8.35%	6.36%
Dividend Per Share	-	-	-	0.330	0.330	0.330
Effective Tax Rate	-	-	-	30.70%	39.61%	38.03%

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