LJSE:NLBR Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	1,110	1,097	1,112	952.88	569.78	477.83
Interest Income on Investments	141.8	139.92	95.47	40.7	0.24	0.22
Total Interest Income	1,252	1,237	1,208	993.57	570.02	478.05
Interest Paid on Deposits	259.2	251.71	232.86	148.03	53.09	40.46
Interest Paid on Borrowings	39.29	38.62	40.61	12.04	11.77	28.01
Total Interest Expense	298.48	290.32	273.48	160.07	64.85	68.47
Net Interest Income	953.59	946.89	934.28	833.5	505.16	409.58
Net Interest Income Growth (YoY)	1.88%	1.35%	12.09%	65.00%	23.34%	36.67%
Income From Trading Activities	32	26.26	33.23	32.19	33.45	21.19
Gain (Loss) on Sale of Assets	2.98	3.18	1.49	6.33	3.37	1.03
Gain (Loss) on Sale of Investments	-43.73	-44.58	-28.2	6.99	-13.5	35.04
Other Non-Interest Income	356.56	364.66	313.68	274.28	286.82	247.56
Total Non-Interest Income	347.81	349.53	320.2	319.79	310.15	304.82
Non-Interest Income Growth (YoY)	7.41%	9.16%	0.13%	3.11%	1.75%	89.23%
Revenues Before Loan Losses	1,301	1,296	1,254	1,153	815.31	714.41
Provision for Loan Losses	-1.45	-1.62	-10.73	-5.06	3.05	-8.5
Revenue	1,303	1,298	1,265	1,158	812.26	722.91
Revenue Growth (YoY)	2.57%	2.60%	9.22%	42.61%	12.36%	57.06%
Occupancy Expenses	68.24	68.45	58.22	49.23	47.39	46.53
Federal Deposit Insurance	45.52	44.13	40.21	39.09	36.14	35.14
Selling, General & Administrative	555.76	551.4	506.08	448.17	408.79	361.27
Other Non-Interest Expense	39.06	38.09	42.54	20.63	7.94	11.1
Total Non-Interest Expense	707.2	700.62	644.06	556.05	499.48	452.93
EBT Excluding Unusual Items	595.66	597.42	621.15	602.3	312.78	269.98
Asset Writedown	9.82	10	-0.15	2.04	3.33	5.12
Legal Settlements	-8.14	-5.03	-8.93	-7.28	-1.65	1.11
Other Unusual Items	-	-	-	-14.99	178.92	-
Pretax Income	588.31	593.37	608.15	578.41	483.06	261.41
Income Tax Expense	76.31	74.68	77.92	15.09	25.23	13.54
Earnings From Continuing Operations	512	518.69	530.23	563.32	457.83	247.87
Minority Interest in Earnings	-15.47	-15.64	-15.68	-12.62	-10.97	-11.46
Net Income	496.53	503.06	514.55	550.7	446.86	236.4
Net Income to Common	496.53	503.06	514.55	550.7	446.86	236.4
Net Income Growth	-0.77%	-2.23%	-6.56%	23.24%	89.03%	-12.35%
Basic Shares Outstanding	20	20	20	20	20	20
Diluted Shares Outstanding	20	20	20	20	20	20
EPS (Basic)	24.83	25.15	25.73	27.54	22.34	11.82
EPS (Diluted)	24.83	25.15	25.70	27.50	22.30	11.80
EPS Growth	-0.63%	-2.13%	-6.54%	23.32%	88.98%	-12.50%
Dividend Per Share	-	-	12.860	11.000	5.500	5.000
Dividend Growth	-	-	16.91%	100.00%	10.00%	8.46%
Effective Tax Rate	12.97%	12.58%	12.81%	2.61%	5.22%	5.18%

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