FRA:N1V2 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	1,089	1,112	952.88	569.78	477.83	355.19
Interest Income on Investments	141.47	95.47	40.7	0.24	0.22	0.11
Total Interest Income	1,231	1,208	993.57	570.02	478.05	355.3
Interest Paid on Deposits	245.97	232.86	148.03	53.09	40.46	41.21
Interest Paid on Borrowings	41.5	40.61	12.04	11.77	28.01	14.41
Total Interest Expense	287.47	273.48	160.07	64.85	68.47	55.62
Net Interest Income	943.07	934.28	833.5	505.16	409.58	299.68
Net Interest Income Growth (YoY)	1.82%	12.09%	65.00%	23.34%	36.67%	-5.96%
Income From Trading Activities	30.28	33.23	32.19	33.45	21.19	9.79
Gain (Loss) on Sale of Assets	3.26	1.49	6.33	3.37	1.03	11.09
Gain (Loss) on Sale of Investments	-39.55	-28.2	6.99	-13.5	35.04	-37.98
Other Non-Interest Income	348.03	313.68	274.28	286.82	247.56	178.18
Total Non-Interest Income	342.02	320.2	319.79	310.15	304.82	161.08
Non-Interest Income Growth (YoY)	2.91%	0.13%	3.11%	1.75%	89.23%	-28.36%
Revenues Before Loan Losses	1,285	1,254	1,153	815.31	714.41	460.77
Provision for Loan Losses	-0.81	-10.73	-5.06	3.05	-8.5	0.48
Revenue	1,286	1,265	1,158	812.26	722.91	460.28
Revenue Growth (YoY)	1.52%	9.22%	42.61%	12.36%	57.06%	-15.27%
Occupancy Expenses	66.73	58.22	49.23	47.39	46.53	31.72
Federal Deposit Insurance	43.4	40.21	39.09	36.14	35.14	16.67
Selling, General & Administrative	547.71	506.08	448.17	408.79	361.27	257.9
Other Non-Interest Expense	42.58	42.54	20.63	7.94	11.1	3.36
Total Non-Interest Expense	698.48	644.06	556.05	499.48	452.93	308.77
EBT Excluding Unusual Items	587.41	621.15	602.3	312.78	269.98	151.51
Asset Writedown	7.83	-0.15	2.04	3.33	5.12	1.97
Legal Settlements	-11.27	-8.93	-7.28	-1.65	1.11	-4.7
Other Unusual Items	-	-	-14.99	178.92	-	134.28
Pretax Income	580.28	608.15	578.41	483.06	261.41	277.92
Income Tax Expense	71.71	77.92	15.09	25.23	13.54	5.17
Earnings From Continuing Operations	508.58	530.23	563.32	457.83	247.87	272.76
Minority Interest in Earnings	-15.55	-15.68	-12.62	-10.97	-11.46	-3.05
Net Income	493.03	514.55	550.7	446.86	236.4	269.71
Net Income to Common	493.03	514.55	550.7	446.86	236.4	269.71
Net Income Growth	-16.62%	-6.56%	23.24%	89.03%	-12.35%	39.33%
Basic Shares Outstanding	20	20	20	20	20	20
Diluted Shares Outstanding	20	20	20	20	20	20
EPS (Basic)	24.65	25.73	27.54	22.34	11.82	13.49
EPS (Diluted)	24.62	25.70	27.50	22.30	11.80	13.49
EPS Growth	-16.63%	-6.54%	23.32%	88.98%	-12.50%	39.33%
Dividend Per Share	6.430	6.430	11.000	5.500	5.000	4.610
Dividend Growth	-41.55%	-41.55%	100.00%	10.00%	8.46%	-
Effective Tax Rate	12.36%	12.81%	2.61%	5.22%	5.18%	1.86%

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