UmweltBank AG 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	Jun '26 Jun 30, 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	-	122.59	115.32	81.76	63.32	62.53
Interest Income on Investments	-	5.46	10.19	19.57	11.09	8.36
Total Interest Income	-	128.05	125.5	101.34	74.4	70.9
Interest Paid on Deposits	-	76.75	86.3	62.53	15.61	7.66
Net Interest Income	49.74	51.3	39.2	38.81	58.79	63.24
Net Interest Income Growth	3.03%	30.86%	1.00%	-33.98%	-7.03%	21.37%
Income From Trading Activities	1.29	1.29	-	0.6	2.27	3.99
Gain (Loss) on Sale of Assets	21.42	21.42	7.18	-	-	-
Gain (Loss) on Sale of Investments	-0.43	-0.43	-14.09	-11.5	19.85	0.18
Gain (Loss) on Sale of Equity Investments	1.02	1.02	3.7	1.39	2.43	2.07
Other Non-Interest Income	10.7	23.34	22.46	29.06	10.01	7.26
Total Non-Interest Income	33.99	46.64	19.26	19.55	34.56	13.5
Non-Interest Income Growth	16.39%	142.21%	-1.51%	-43.43%	155.97%	-10.91%
Revenues Before Loan Losses	83.73	97.93	58.45	58.36	93.35	76.74
Provision for Loan Losses	-1.53	3.7	4.93	-4.66	9.58	3
Revenue	85.26	94.24	53.52	63.02	83.77	73.74
Revenue Growth	24.55%	76.07%	-15.07%	-24.77%	13.60%	11.52%
Salaries and Employee Benefits	33.17	30.33	26.2	25.7	19.88	17.15
Occupancy Expenses	8.93	9.04	7.01	5.12	0.71	0.93
Selling, General & Administrative	36.28	43.47	42.01	33.07	21.58	16.51
Other Non-Interest Expense	3.64	3.64	-6.05	-1.69	13.4	7.06
Total Non-Interest Expense	81.61	86.07	67.46	63.1	55.56	41.65
EBT Excluding Unusual Items	3.65	8.17	-13.94	-0.08	28.21	32.09
Pretax Income	3.65	8.17	-13.94	-0.08	28.21	32.09
Income Tax Expense	-2.72	-4.09	12.47	-0.75	8.66	12.71
Net Income	6.37	12.26	-26.41	0.66	19.55	19.38
Net Income to Common	6.37	12.26	-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	-	16.13%	0.18%	1.08%	0.64%	14.29%
EPS (Basic)	-	0.29	-0.73	0.02	0.55	0.55
EPS (Diluted)	-	0.29	-0.73	0.02	0.55	0.55
EPS Growth	-	-	-	-96.64%	0.25%	-8.35%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	-	0.050	-	-	0.330	0.330
Dividend Growth	-	-	-	-	0%	0%
Effective Tax Rate	-	-	-	-	30.70%	39.61%