FRA:BOY 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
Interest Income on Loans	52,816	55,224	42,141	29,134	20,244
Interest Income on Investments	5,653	6,555	5,827	2,421	2,946
Total Interest Income	58,469	61,779	47,968	31,555	23,190
Interest Paid on Deposits	26,182	28,506	19,276	11,125	8,329
Interest Paid on Borrowings	5,883	7,887	5,485	1,183	-
Total Interest Expense	32,065	36,393	24,761	12,308	8,329
Net Interest Income	26,404	25,386	23,207	19,247	14,861
Net Interest Income Growth (YoY)	4.01%	9.39%	20.57%	29.51%	0.90%
Income From Trading Activities	2,255	2,458	1,352	562	341
Gain (Loss) on Sale of Assets	18	-17	22	-119	-16
Gain (Loss) on Sale of Investments	722	740	417	105	856
Gain (Loss) on Sale of Equity Investments	62	40	26	21	1
Other Non-Interest Income	8,264	8,617	6,454	6,454	5,547
Total Non-Interest Income	11,345	11,858	8,312	7,031	6,756
Non-Interest Income Growth (YoY)	-4.33%	42.66%	18.22%	4.07%	19.24%
Revenues Before Loan Losses	37,749	37,244	31,519	26,278	21,617
Provision for Loan Losses	6,101	5,687	4,386	3,303	3,017
Revenue	31,648	31,557	27,133	22,975	18,600
Revenue Growth (YoY)	0.29%	16.30%	18.10%	23.52%	22.09%
Salaries and Employee Benefits	7,748	7,636	6,506	5,601	5,046
Occupancy Expenses	1,521	1,533	1,403	1,328	1,234
Selling, General & Administrative	4,741	4,543	3,948	3,403	2,902
Other Non-Interest Expense	484	502	665	506	1,271
Total Non-Interest Expense	14,494	14,214	12,522	10,838	10,453
EBT Excluding Unusual Items	17,154	17,343	14,611	12,137	8,147
Asset Writedown	27	28	-14	28	-180
Legal Settlements	-213	-191	-171	-210	-135
Other Unusual Items	-742	-1,775	-2,007	-1,687	-585
Pretax Income	16,226	15,405	12,419	10,268	7,247
Income Tax Expense	5,100	4,830	4,003	3,505	1,909
Earnings From Continuing Operations	11,126	10,575	8,416	6,763	5,338
Earnings From Discontinued Operations	-	-	-	-	280
Minority Interest in Earnings	-615	-521	-397	-405	-965
Net Income	10,511	10,054	8,019	6,358	4,653
Preferred Dividends & Other Adjustments	397	388	344	313	359
Net Income to Common	10,114	9,666	7,675	6,045	4,294
Net Income Growth	4.54%	25.38%	26.13%	36.64%	256.55%
Basic Shares Outstanding	5,748	5,769	5,954	6,189	6,401
Diluted Shares Outstanding	5,748	5,769	5,954	6,189	6,401
Shares Change (YoY)	-0.36%	-3.11%	-3.80%	-3.31%	-31.33%
EPS (Basic)	1.76	1.68	1.29	0.98	0.67
EPS (Diluted)	1.76	1.68	1.29	0.98	0.67
EPS Growth	5.02%	29.98%	31.98%	45.60%	379.17%
Dividend Per Share	0.920	0.700	0.550	0.430	0.310
Dividend Growth	31.43%	27.27%	27.91%	38.71%	425.42%
Effective Tax Rate	31.43%	31.35%	32.23%	34.13%	26.34%

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