Erste Group Bank AG (FRA:EBO)

Erste Group Bank AG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	14,127	15,353	15,045	8,623	5,109	5,108
Interest Income on Investments	36	39	38	29	33.2	19.9
Total Interest Income	14,163	15,392	15,083	8,652	5,142	5,128
Interest Paid on Deposits	6,459	7,549	6,873	2,569	483.8	621.2
Total Interest Expense	6,459	7,549	6,873	2,569	483.8	621.2
Net Interest Income	7,704	7,843	8,210	6,083	4,658	4,507
Net Interest Income Growth (YoY)	-2.87%	-4.47%	34.97%	30.58%	3.37%	-0.23%
Income From Trading Activities	322	519	754	-779	58.6	137.6
Gain (Loss) on Sale of Assets	8	8	-194	-43	-	-
Gain (Loss) on Sale of Investments	16	-	-	-	-4.8	1.2
Gain (Loss) on Sale of Equity Investments	45	27	23	18	15.4	10.4
Other Non-Interest Income	3,373	2,789	1,566	3,251	3,010	2,500
Total Non-Interest Income	3,764	3,343	2,149	2,447	3,079	2,650
Non-Interest Income Growth (YoY)	29.75%	55.56%	-12.18%	-20.52%	16.20%	-3.48%
Revenues Before Loan Losses	11,468	11,186	10,359	8,530	7,737	7,156
Provision for Loan Losses	504	397	128	300	158.8	1,295
Revenue	10,964	10,789	10,231	8,230	7,578	5,861
Revenue Growth (YoY)	3.22%	5.45%	24.31%	8.60%	29.29%	-18.85%
Salaries and Employee Benefits	3,275	3,144	2,946	2,635	2,539	2,521
Occupancy Expenses	555	547	560	551	548	540.9
Selling, General & Administrative	1,707	1,587	1,513	1,389	1,219	1,159
Other Non-Interest Expense	347	418	354	393	277.2	208
Total Non-Interest Expense	5,970	5,786	5,386	5,020	4,591	4,422
EBT Excluding Unusual Items	4,994	5,003	4,845	3,210	2,987	1,440
Asset Writedown	-6	-6	-41	-36	-52.6	-65.6
Legal Settlements	-	-	-	54	-1.2	-6.2
Pretax Income	4,988	4,997	4,795	3,223	2,933	1,368
Income Tax Expense	1,051	1,053	874	556	525.2	342.5
Earnings From Continuing Operations	3,937	3,944	3,921	2,667	2,408	1,025
Minority Interest in Earnings	-762	-819	-923	-502	-484.8	-242.3
Net Income	3,175	3,125	2,998	2,165	1,923	783.1
Preferred Dividends & Other Adjustments	128.09	132.59	99.07	100.46	147.81	114.58
Net Income to Common	3,047	2,992	2,899	2,065	1,776	668.52
Net Income Growth	-0.91%	4.24%	38.48%	12.56%	145.61%	-46.73%
Basic Shares Outstanding	409	416	426	427	426	426
Diluted Shares Outstanding	410	416	426	427	426	426
Shares Change (YoY)	-2.26%	-2.38%	-0.27%	0.29%	-0.02%	-0.06%
EPS (Basic)	7.45	7.20	6.81	4.83	4.17	1.57
EPS (Diluted)	7.44	7.19	6.80	4.83	4.17	1.57
EPS Growth	0.60%	5.73%	40.79%	15.95%	165.65%	-51.45%
Dividend Per Share	3.000	3.000	2.700	1.900	1.600	1.500
Dividend Growth	11.11%	11.11%	42.10%	18.75%	6.67%	-
Effective Tax Rate	21.07%	21.07%	18.23%	17.25%	17.90%	25.04%

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