AB Artea bankas (FRA:ZH5)

AB Artea bankas 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	225.5	243.48	195.73	107.65	83.04	78.5
Interest Income on Investments	24.18	26.74	21.24	12.04	8.86	7.53
Total Interest Income	249.68	270.21	216.97	119.69	91.9	86.03
Interest Paid on Deposits	106.2	110	60.12	12.91	10.98	10.32
Net Interest Income	143.49	160.21	156.85	106.78	80.92	75.71
Net Interest Income Growth (YoY)	-11.33%	2.14%	46.89%	31.96%	6.88%	4.55%
Income From Trading Activities	16.24	19.42	11.95	10.83	11.94	11.59
Gain (Loss) on Sale of Assets	0.72	0.59	0.86	0.81	3.74	0.38
Gain (Loss) on Sale of Investments	4.33	0.54	0.81	1.03	4.36	1.56
Other Non-Interest Income	45.7	42.95	25.98	26.83	26.61	24.04
Total Non-Interest Income	66.98	63.5	39.6	39.5	46.64	37.57
Non-Interest Income Growth (YoY)	16.78%	60.37%	0.25%	-15.31%	24.15%	-18.36%
Revenues Before Loan Losses	210.46	223.71	196.45	146.28	127.56	113.28
Provision for Loan Losses	7.2	10.9	15.23	5.41	4.35	10.48
Revenue	203.26	212.82	181.22	140.87	123.21	102.8
Revenue Growth (YoY)	-1.09%	17.44%	28.64%	14.34%	19.85%	-7.61%
Salaries and Employee Benefits	54.43	49.51	36.23	30.73	27.11	23.47
Occupancy Expenses	8.22	8.01	5.49	4.64	4.44	4.11
Selling, General & Administrative	0.01	-	-	0.27	0.26	0.3
Other Non-Interest Expense	63.22	58.86	43.76	25.32	24.14	20.15
Total Non-Interest Expense	125.87	116.37	85.48	60.96	55.94	48.02
EBT Excluding Unusual Items	77.39	96.45	95.74	79.91	67.26	54.78
Asset Writedown	-	-	-	0.45	-	-1.97
Pretax Income	77.39	96.45	95.74	80.37	67.26	52.81
Income Tax Expense	13.86	17.66	20.37	12.92	12.04	9.89
Earnings From Continuing Operations	63.53	78.79	75.38	67.45	55.22	42.92
Earnings From Discontinued Operations	-	-	-	-	-	0.12
Net Income	63.53	78.79	75.38	67.45	55.22	43.04
Net Income to Common	63.53	78.79	75.38	67.45	55.22	43.04
Net Income Growth	-13.38%	4.53%	11.75%	22.14%	28.30%	-16.46%
Basic Shares Outstanding	654	662	603	600	600	601
Diluted Shares Outstanding	654	662	603	600	600	601
Shares Change (YoY)	0.86%	9.89%	0.48%	-0.10%	-0.04%	0.00%
EPS (Basic)	0.10	0.12	0.13	0.11	0.09	0.07
EPS (Diluted)	0.09	0.12	0.13	0.11	0.09	0.07
EPS Growth	-20.43%	-4.88%	13.69%	22.22%	28.20%	-18.15%
Dividend Per Share	0.061	0.061	0.049	0.026	0.034	0.005
Dividend Growth	25.77%	25.77%	83.02%	-22.06%	518.18%	-
Effective Tax Rate	17.90%	18.31%	21.27%	16.07%	17.90%	18.72%

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