ISE:PTSB Income Statement

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

Millions EUR. 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	848	870	766	417	354
Interest Income on Investments	30	29	12	-	-
Total Interest Income	878	899	778	417	354
Interest Paid on Deposits	288	287	158	55	41
Net Interest Income	590	612	620	362	313
Net Interest Income Growth (YoY)	-3.60%	-1.29%	71.27%	15.65%	-8.21%
Income From Trading Activities	5	2	3	3	2
Other Non-Interest Income	60	58	45	48	46
Total Non-Interest Income	65	60	48	51	48
Non-Interest Income Growth (YoY)	8.33%	25.00%	-5.88%	6.25%	41.18%
Revenues Before Loan Losses	655	672	668	413	361
Provision for Loan Losses	-39	-30	56	7	-1
Revenue	694	702	612	406	362
Revenue Growth (YoY)	-1.14%	14.71%	50.74%	12.16%	64.55%
Occupancy Expenses	27	29	27	21	21
Amortization of Goodwill & Intangibles	57	62	40	31	26
Selling, General & Administrative	410	416	375	298	248
Other Non-Interest Expense	25	33	60	51	50
Total Non-Interest Expense	519	540	533	493	373
EBT Excluding Unusual Items	175	162	79	-87	-11
Asset Writedown	-	-	-	1	-
Legal Settlements	-5	-3	-3	-4	-15
Other Unusual Items	-	2	5	370	19
Pretax Income	128	159	79	267	-21
Income Tax Expense	14	-3	11	44	-1
Net Income	114	162	68	223	-20
Preferred Dividends & Other Adjustments	43	43	43	10	21
Net Income to Common	71	119	25	213	-41
Net Income Growth	-29.63%	138.23%	-69.51%	-	-
Basic Shares Outstanding	545	545	546	468	455
Diluted Shares Outstanding	545	545	546	468	455
Shares Change (YoY)	-0.09%	-0.02%	16.48%	3.01%	-
EPS (Basic)	0.13	0.22	0.05	0.45	-0.09
EPS (Diluted)	0.13	0.22	0.04	0.45	-0.09
EPS Growth	-40.09%	382.23%	-90.09%	-	-
Dividend Per Share	0.018	-	-	-	-
Effective Tax Rate	10.94%	-	13.92%	16.48%	-