FRA:593 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 Income on Loans	1,815	2,118	1,812	834.56	642.07	594.4
Interest Income on Investments	8.1	6.5	7.65	6.46	5.21	4.38
Total Interest Income	1,824	2,125	1,820	841.02	647.28	598.78
Interest Paid on Deposits	711.94	1,028	875.07	153.49	113.14	104.39
Net Interest Income	1,112	1,097	944.61	687.53	534.13	494.39
Net Interest Income Growth (YoY)	1.84%	16.09%	37.39%	28.72%	8.04%	6.57%
Income From Trading Activities	99.6	124.51	112.98	28.4	63.65	12.47
Gain (Loss) on Sale of Investments	16.54	-3.99	4.86	-55.93	41.88	21.17
Other Non-Interest Income	455.07	430.51	409.03	383.97	351.8	309.97
Total Non-Interest Income	584.74	561.71	534.52	385.42	490.2	318.01
Non-Interest Income Growth (YoY)	3.41%	5.09%	38.68%	-21.38%	54.14%	-27.26%
Revenues Before Loan Losses	1,696	1,658	1,479	1,073	1,024	812.4
Provision for Loan Losses	70.21	195.61	202.61	152.51	140.2	141.39
Revenue	1,626	1,463	1,277	920.45	884.14	671.01
Revenue Growth (YoY)	17.12%	14.59%	38.68%	4.11%	31.76%	-2.34%
Salaries and Employee Benefits	335.41	321.5	300.27	272.33	269.9	250.88
Occupancy Expenses	52.4	52.32	53.84	45.27	37.36	44.02
Amortization of Goodwill & Intangibles	23.9	19.93	18.65	17.21	16.68	16.66
Selling, General & Administrative	351.26	338.92	321.89	307.91	291.11	278.94
Other Non-Interest Expense	-81.91	-77.06	-41.5	-53.56	-72.31	-50.01
Total Non-Interest Expense	637.93	610.89	614.62	561.4	506.84	513.5
EBT Excluding Unusual Items	988.18	851.81	661.89	359.05	377.3	157.51
Asset Writedown	-22.82	-7.23	-2.29	-2.76	-0.88	-0.71
Other Unusual Items	0	0.68	0.09	-2.31	-2.9	0.03
Pretax Income	960.82	840.73	660.28	353.89	374.55	156.93
Income Tax Expense	305.06	265.79	199.12	102.57	99.53	47.18
Earnings From Continuing Operations	655.76	574.94	461.16	251.32	275.02	109.74
Minority Interest in Earnings	-	-	-	-	-6.39	-3.15
Net Income	655.76	574.94	461.16	251.32	268.63	106.6
Net Income to Common	655.76	574.94	461.16	251.32	268.63	106.6
Net Income Growth	20.44%	24.67%	83.49%	-6.44%	152.01%	-22.44%
Basic Shares Outstanding	450	450	450	-	-	450
Diluted Shares Outstanding	450	450	450	-	-	450
Shares Change (YoY)	-0.03%	0.01%	-	-	-	-0.00%
EPS (Basic)	1.46	1.28	1.03	-	-	0.24
EPS (Diluted)	1.46	1.28	1.02	-	-	0.24
EPS Growth	20.51%	24.71%	-	-	-	-22.44%
Dividend Per Share	0.800	0.800	0.560	0.280	0.200	0.060
Dividend Growth	42.86%	42.86%	100.00%	40.00%	233.33%	-
Effective Tax Rate	31.75%	31.61%	30.16%	28.98%	26.57%	30.07%

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