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
Net Interest Income	204.8	211.81	163.86	0.06	0.06
Net Interest Income Growth	-3.31%	29.26%	278625.97%	-7.03%	21.37%
Non-Interest Income	48.31	36.97	35.75	0.03	0.01
Non-Interest Income Growth	30.66%	3.43%	103346.58%	174.38%	-15.31%
Revenues Before Loan Losses	253.11	248.78	199.61	0.09	0.08
Provision for Credit Losses	-3.7	-4.93	0	0.01	0
Revenue	256.8	253.71	199.61	0.08	0.07
Revenue Growth (YoY)	1.22%	27.10%	238183.40%	15.02%	10.62%
Compensation Expenses	-20.77	-18.69	-18.25	0.02	0.02
Selling, General & Admin	-43.39	-41.24	-32.03	0.02	0.02
Other Non-Interest Expenses	-23.19	-39.85	-25.02	0.01	0.01
Total Non-Interest Expense	-87.34	-99.77	-75.31	0.06	0.04
Pretax Income	344.14	353.48	274.92	0.03	0.03
Provision for Income Taxes	-	-	0.75	0.01	0.01
Net Income	344.14	353.48	274.17	0.02	0.02
Minority Interest in Earnings	0.87	0.31	0.6	-	-
Net Income to Common	343.28	353.17	273.57	0.02	0.02
Net Income Growth	-2.80%	29.10%	1399316.85%	0.90%	4.75%
Shares Outstanding (Basic)	41	36	36	36	35
Shares Outstanding (Diluted)	41	36	36	36	35
Shares Change (YoY)	14.67%	-	1.12%	0.85%	14.19%
EPS (Basic)	8.29	-0.30	-0.10	0.86	0.72
EPS (Diluted)	8.29	-0.30	-0.10	0.86	0.72
EPS Growth	-	-	-	19.44%	-15.29%
Free Cash Flow	335.69	-1,353	-527.43	0	0
Free Cash Flow Per Share	8.11	-37.49	-14.61	-	-
Dividends Per Share	0.050	-	-	0.330	0.330
Profit Margin	134.01%	139.32%	137.35%	23.34%	26.60%
FCF Margin	130.72%	-533.42%	-264.23%	0.00%	0.00%
Effective Tax Rate	0.00%	0.00%	0.27%	30.70%	39.61%