Ascory Bank AG (ETR:VG80)

Ascory Bank AG Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	48.16	54.34	50.71	19.5	14.2
Total Interest Expense	16.67	13.07	7.4	5.82	6.65
Net Interest Income	31.48	41.27	43.31	13.67	7.54
Brokerage Commission	3.29	5.42	22.52	72.78	49.03
Other Revenue	-	-	-	-	0.45
Revenue Before Loan Losses	34.78	46.7	65.83	86.45	57.02
Provision for Loan Losses	2.01	5.07	0.38	6.83	7.51
Revenue	32.77	41.63	65.45	79.62	49.5
Revenue Growth (YoY)	-21.28%	-36.39%	-17.80%	60.83%	111.39%
Salaries & Employee Benefits	10.89	17.72	12.95	14.59	11.28
Cost of Services Provided	21.85	26.19	32.86	33.59	15.47
Other Operating Expenses	-0.19	-4.68	-2.63	0.68	1.81
Total Operating Expenses	32.6	39.29	43.27	48.98	28.68
Operating Income	0.17	2.34	22.18	30.64	20.83
Currency Exchange Gains	-0.13	-	-	-0.18	-0.29
Other Non-Operating Income (Expenses)	3.26	-	-	-	0.55
EBT Excluding Unusual Items	3.31	2.34	22.18	30.47	21.09
Legal Settlements	-1.62	-2.79	-	-3.78	-
Gain (Loss) on Sale of Investments	0.36	0.58	0.33	-1.24	-
Other Unusual Items	-	-	-	-	0.32
Pretax Income	2.05	0.13	22.51	25.44	21.4
Income Tax Expense	1.52	1.7	7.98	16.39	4.24
Net Income	0.52	-1.58	14.52	9.06	17.17
Net Income to Common	0.52	-1.58	14.52	9.06	17.17
Net Income Growth	-	-	60.35%	-47.24%	901.14%
Shares Outstanding (Basic)	10	10	10	10	10
Shares Outstanding (Diluted)	10	10	10	10	10
Shares Change (YoY)	6.25%	-1.94%	-	0.05%	-0.47%
EPS (Basic)	0.05	-0.16	1.45	0.90	1.71
EPS (Diluted)	0.05	-0.16	1.45	0.90	1.71
EPS Growth	-	-	60.35%	-47.26%	905.88%
Operating Margin	0.52%	5.62%	33.89%	38.49%	42.07%
Profit Margin	1.60%	-3.79%	22.19%	11.38%	34.67%
Effective Tax Rate	74.42%	1325.34%	35.47%	64.40%	19.80%

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