UmweltBank AG (FRA:UBK)

UmweltBank AG Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	115.32	81.76	63.32	62.53	62.94
Interest Income on Investments	10.19	19.57	11.09	8.36	6.13
Total Interest Income	125.5	101.34	74.4	70.9	69.08
Interest Paid on Deposits	86.3	62.53	15.61	7.66	16.97
Net Interest Income	39.2	38.81	58.79	63.24	52.1
Net Interest Income Growth (YoY)	1.00%	-33.98%	-7.03%	21.37%	2.16%
Income From Trading Activities	-	0.6	2.27	3.99	1.51
Gain (Loss) on Sale of Investments	-14.09	-11.5	19.85	0.18	1.1
Gain (Loss) on Sale of Equity Investments	3.7	1.39	2.43	2.07	0.84
Other Non-Interest Income	29.64	29.06	10.01	7.26	11.71
Total Non-Interest Income	19.26	19.55	34.56	13.5	15.15
Non-Interest Income Growth (YoY)	-1.51%	-43.43%	155.97%	-10.91%	27.74%
Revenues Before Loan Losses	58.45	58.36	93.35	76.74	67.26
Provision for Loan Losses	4.93	-4.66	9.58	3	1.13
Revenue	53.52	63.02	83.77	73.74	66.12
Revenue Growth (YoY)	-15.07%	-24.77%	13.60%	11.52%	9.91%
Salaries and Employee Benefits	26.2	25.7	19.88	17.15	13.78
Occupancy Expenses	7.01	5.12	0.71	0.93	0.73
Selling, General & Administrative	41.24	33.07	21.58	16.51	13.29
Other Non-Interest Expense	-5.28	-1.69	13.4	7.06	8.48
Total Non-Interest Expense	67.46	63.1	55.56	41.65	36.28
EBT Excluding Unusual Items	-13.94	-0.08	28.21	32.09	29.85
Pretax Income	-13.94	-0.08	28.21	32.09	29.85
Income Tax Expense	12.47	-0.75	8.66	12.71	11.35
Net Income	-26.41	0.66	19.55	19.38	18.5
Net Income to Common	-26.41	0.66	19.55	19.38	18.5
Net Income Growth	-	-96.60%	0.90%	4.75%	7.72%
Basic Shares Outstanding	36	36	36	35	31
Diluted Shares Outstanding	36	36	36	35	31
Shares Change (YoY)	0.18%	1.08%	0.64%	14.29%	1.28%
EPS (Basic)	-0.73	0.02	0.55	0.55	0.60
EPS (Diluted)	-0.73	0.02	0.55	0.55	0.60
EPS Growth	-	-96.64%	0.25%	-8.35%	6.36%
Dividend Per Share	-	-	0.330	0.330	0.330
Effective Tax Rate	-	-	30.70%	39.61%	38.03%

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