FRA:ZB1 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	3,501	3,514	3,196	2,112	1,935
Interest Income on Investments	683	779	751	593	332
Total Interest Income	4,184	4,293	3,947	2,705	2,267
Interest Paid on Deposits	1,250	1,540	1,063	70	30
Interest Paid on Borrowings	307	323	446	115	29
Total Interest Expense	1,557	1,863	1,509	185	59
Net Interest Income	2,627	2,430	2,438	2,520	2,208
Net Interest Income Growth (YoY)	8.11%	-0.33%	-3.25%	14.13%	-0.36%
Trust Income	57	58	58	55	50
Gain (Loss) on Sale of Investments	52	19	4	-15	71
Other Non-Interest Income	649	623	615	592	582
Total Non-Interest Income	758	700	677	632	703
Non-Interest Income Growth (YoY)	8.29%	3.40%	7.12%	-10.10%	22.47%
Revenues Before Loan Losses	3,385	3,130	3,115	3,152	2,911
Provision for Loan Losses	71	72	132	122	-276
Revenue	3,314	3,058	2,983	3,030	3,187
Revenue Growth (YoY)	8.37%	2.51%	-1.55%	-4.93%	34.13%
Salaries and Employee Benefits	1,350	1,254	1,242	1,205	1,099
Occupancy Expenses	166	121	117	106	106
Federal Deposit Insurance	75	91	169	50	34
Selling, General & Administrative	401	442	424	381	389
Other Non-Interest Expense	160	139	145	135	118
Total Non-Interest Expense	2,150	2,046	2,097	1,878	1,746
EBT Excluding Unusual Items	1,164	1,012	886	1,152	1,441
Other Unusual Items	11	-	-	-	5
Pretax Income	1,175	1,012	886	1,152	1,446
Income Tax Expense	276	228	206	245	317
Net Income	899	784	680	907	1,129
Preferred Dividends & Other Adjustments	4	55	38	37	41
Net Income to Common	895	729	642	870	1,088
Net Income Growth	14.67%	15.29%	-25.03%	-19.66%	109.46%
Basic Shares Outstanding	147	147	148	150	160
Diluted Shares Outstanding	147	147	148	150	160
Shares Change (YoY)	-0.04%	-0.37%	-1.67%	-6.22%	-3.25%
EPS (Basic)	6.08	4.95	4.35	5.80	6.80
EPS (Diluted)	6.01	4.95	4.35	5.79	6.79
EPS Growth	21.41%	13.92%	-24.95%	-14.73%	124.83%
Dividend Per Share	1.760	1.660	1.640	1.580	1.440
Dividend Growth	6.02%	1.22%	3.80%	9.72%	5.88%
Effective Tax Rate	23.49%	22.53%	23.25%	21.27%	21.92%

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