Merkur PrivatBank KgaA (FRA:MBK)

Instructure Holdings 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	190.23	146.45	80.74	67.21	62.58
Interest Income on Investments	-	-	0.29	0.19	0.04	0.07
Total Interest Income	-	190.23	146.74	80.93	67.25	62.65
Interest Paid on Deposits	-	94.35	50.97	11.35	9.34	9.89
Net Interest Income	105.78	95.88	95.77	69.58	57.91	52.75
Net Interest Income Growth (YoY)	13.22%	0.11%	37.65%	20.14%	9.78%	24.46%
Income From Trading Activities	-	2.54	2.41	5.59	2.72	3.6
Other Non-Interest Income	31.66	30.44	21.08	23.78	22.32	21.21
Total Non-Interest Income	31.66	32.98	23.49	29.37	25.04	24.81
Non-Interest Income Growth (YoY)	14.18%	40.40%	-20.04%	17.30%	0.94%	262.52%
Revenues Before Loan Losses	137.44	128.85	119.26	98.95	82.95	77.56
Provision for Loan Losses	3.64	9.86	8.12	8.34	-8.29	5.63
Revenue	133.8	119	111.14	90.61	91.24	71.93
Revenue Growth (YoY)	18.38%	7.07%	22.67%	-0.70%	26.85%	49.77%
Salaries and Employee Benefits	0.5	40.7	38.16	36.22	30.68	30.47
Occupancy Expenses	-	1.61	1.51	1.34	0.88	1.03
Selling, General & Administrative	67.33	25.02	22.07	20.42	17.71	15.88
Other Non-Interest Expense	33.12	24.39	22.66	12.23	22.27	6.79
Total Non-Interest Expense	100.95	91.71	84.4	70.21	71.53	54.17
EBT Excluding Unusual Items	32.85	27.29	26.75	20.4	19.71	17.76
Pretax Income	32.85	27.29	26.75	20.4	19.71	17.76
Income Tax Expense	18.72	15.7	15.95	10.51	10.54	9.56
Net Income	14.14	11.59	10.8	9.89	9.17	8.2
Net Income to Common	14.14	11.59	10.8	9.89	9.17	8.2
Net Income Growth	21.69%	7.34%	9.17%	7.82%	11.79%	-65.17%
Basic Shares Outstanding	-	8	8	8	8	8
Diluted Shares Outstanding	-	8	8	8	8	8
Shares Change (YoY)	-	-	-	0.09%	-0.53%	37.34%
EPS (Basic)	-	1.49	1.39	1.27	1.18	1.05
EPS (Diluted)	-	1.49	1.39	1.27	1.18	1.05
EPS Growth	-	7.34%	9.17%	7.72%	12.39%	-74.64%
Dividend Per Share	-	0.500	0.500	0.450	0.450	0.400
Dividend Growth	-	-	11.11%	-	12.50%	25.00%
Effective Tax Rate	56.97%	57.54%	59.64%	51.52%	53.47%	53.81%

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