FRA:PFZ0 Income Statement

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

Millions USD. 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	2,288	2,221	1,950	1,182	924.04
Interest Income on Investments	507.54	477.04	403	191.44	107.17
Total Interest Income	2,796	2,698	2,353	1,374	1,031
Interest Paid on Deposits	1,127	1,203	983.12	204.12	54.12
Interest Paid on Borrowings	120.19	129.05	108.13	40.52	44.7
Total Interest Expense	1,247	1,333	1,091	244.64	98.81
Net Interest Income	1,548	1,366	1,262	1,129	932.4
Net Interest Income Growth (YoY)	13.38%	8.20%	11.76%	21.12%	13.46%
Trust Income	40.35	33.22	26.68	23.51	20.72
Gain (Loss) on Sale of Assets	0.55	2.26	86.05	0.46	0.02
Gain (Loss) on Sale of Investments	-16.61	-54.74	-10.94	16.26	23.87
Gain (Loss) on Sale of Equity Investments	118.34	63.17	85.4	145.47	122.27
Other Non-Interest Income	285.18	256.74	190.33	178.49	155.12
Total Non-Interest Income	506.59	371.18	433.25	416.12	395.73
Non-Interest Income Growth (YoY)	36.48%	-14.33%	4.12%	5.15%	24.51%
Revenues Before Loan Losses	2,055	1,737	1,695	1,545	1,328
Provision for Loan Losses	107.25	120.59	93.6	67.93	16.13
Revenue	1,948	1,616	1,602	1,477	1,312
Revenue Growth (YoY)	20.51%	0.90%	8.41%	12.61%	40.20%
Salaries and Employee Benefits	721.43	580.1	489.95	470.62	411.05
Amortization of Goodwill & Intangibles	5.61	6.25	7.09	7.81	8.52
Selling, General & Administrative	245.88	245.65	215.92	180.47	141.29
Other Non-Interest Expense	172.45	202.75	174.5	120.82	99.96
Total Non-Interest Expense	1,146	1,035	887.77	780	660.1
EBT Excluding Unusual Items	801.54	581.21	714.01	697.49	651.91
Pretax Income	779.88	581.21	714.01	697.49	651.91
Income Tax Expense	138.01	106.15	151.85	136.75	124.58
Net Income	641.87	475.06	562.15	560.74	527.32
Preferred Dividends & Other Adjustments	15.19	15.19	15.19	15.19	15.19
Net Income to Common	626.67	459.86	546.96	545.55	512.13
Net Income Growth	35.11%	-15.49%	0.25%	6.34%	68.84%
Basic Shares Outstanding	77	76	76	76	75
Diluted Shares Outstanding	78	77	77	76	76
Shares Change (YoY)	0.72%	0.63%	0.68%	0.27%	0.36%
EPS (Basic)	8.15	6.01	7.20	7.20	6.79
EPS (Diluted)	8.07	5.96	7.14	7.17	6.75
EPS Growth	35.40%	-16.53%	-0.42%	6.22%	67.49%
Dividend Per Share	0.960	0.880	0.880	0.880	0.720
Dividend Growth	9.09%	-	-	22.22%	12.50%
Effective Tax Rate	17.70%	18.26%	21.27%	19.61%	19.11%

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