BFF Bank 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	Sep '25 Sep 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 and Dividend Income	566	762	638.31	364.6	233.99	245.25
Total Interest Expense	297.18	384.18	345.26	92.99	39.55	46.87
Net Interest Income	268.83	377.83	293.05	271.61	194.44	198.38
Commissions and Fees	109.82	110.52	112.37	127.59	109.28	6.33
Gain (Loss) on Sale of Loans & Receivables	13.63	3.33	22.04	0.17	-0	-
Gain (Loss) on Sale of Investments	-7.02	-7.02	1.7	5.15	2.73	0.36
Other Revenue	15.29	7.89	0.29	12.62	6.63	5.93
Revenue Before Loan Losses	400.55	492.55	429.45	417.15	313.09	211.01
Provision for Loan Losses	2.97	5.57	4.93	5.91	-0.34	3.15
Revenue	397.58	486.98	424.52	411.24	313.43	207.86
Revenue Growth (YoY)	-18.95%	14.71%	3.23%	31.21%	50.79%	0.69%
Salaries & Employee Benefits	79.61	79.51	75.98	74.35	73.23	41.35
Cost of Services Provided	110.54	116.34	124.5	117.02	109.62	41.45
Other Operating Expenses	4.45	-24.45	-20.61	-0.25	-11.63	-4.07
Total Operating Expenses	210.35	185.25	192.92	203.77	181.31	84.26
Operating Income	187.23	301.73	231.59	207.47	132.12	123.6
Earnings From Equity Investments	-	-	-	-	0.2	-
EBT Excluding Unusual Items	187.5	302	231.32	207.54	132.55	123.64
Gain (Loss) on Sale of Investments	6.28	6.38	-0.27	0.29	-0.15	0.01
Other Unusual Items	-3.52	-3.52	3.95	123.38	64.26	0.06
Pretax Income	187.26	301.86	235	331.2	196.66	123.71
Income Tax Expense	53.78	86.18	63.34	99.15	-0.71	32.64
Net Income	133.48	215.68	171.66	232.05	197.37	91.07
Net Income to Common	133.48	215.68	171.66	232.05	197.37	91.07
Net Income Growth	-45.86%	25.64%	-26.02%	17.57%	116.72%	-2.24%
Shares Outstanding (Basic)	188	187	186	185	185	171
Shares Outstanding (Diluted)	188	190	188	186	195	177
Shares Change (YoY)	-	1.06%	1.02%	-4.70%	10.70%	-0.80%
EPS (Basic)	0.71	1.15	0.92	1.26	1.07	0.53
EPS (Diluted)	0.70	1.13	0.91	1.25	1.01	0.52
EPS Growth	-	24.18%	-27.20%	23.76%	94.23%	0%
Free Cash Flow	-	10.14	-203.93	133.39	506.52	117.95
Free Cash Flow Per Share	-	0.05	-1.08	0.72	2.59	0.67
Dividend Per Share	-	-	0.979	0.790	1.574	0.019
Dividend Growth	-	-	23.94%	-49.80%	8210.54%	-73.95%
Operating Margin	47.09%	61.96%	54.55%	50.45%	42.15%	59.47%
Profit Margin	33.57%	44.29%	40.44%	56.43%	62.97%	43.81%
Free Cash Flow Margin	-	2.08%	-48.04%	32.44%	161.60%	56.75%
Effective Tax Rate	28.72%	28.55%	26.95%	29.94%	-	26.38%

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