LON:0J6Y Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	-	55,019	53,087	30,738	20,590	20,721
Interest Paid on Deposits	-	45,127	42,777	17,897	9,872	10,248
Net Interest Income	10,254	9,892	10,310	12,841	10,718	10,473
Net Interest Income Growth (YoY)	-9.50%	-4.05%	-19.71%	19.81%	2.34%	-6.37%
Gain (Loss) on Sale of Assets	-	-	-	-	624	-
Other Non-Interest Income	16,896	16,896	14,794	14,314	15,080	11,640
Total Non-Interest Income	16,896	16,896	14,794	14,314	15,704	11,640
Non-Interest Income Growth (YoY)	14.21%	14.21%	3.35%	-8.85%	34.91%	-13.69%
Revenues Before Loan Losses	27,150	26,788	25,104	27,155	26,422	22,113
Provision for Loan Losses	1,406	1,530	1,025	1,647	700	3,286
Revenue	25,744	25,258	24,079	25,508	25,722	18,827
Revenue Growth (YoY)	4.77%	4.90%	-5.60%	-0.83%	36.62%	-19.58%
Salaries and Employee Benefits	-	-	-	-	9,567	9,139
Occupancy Expenses	1,651	1,651	1,675	1,569	1,645	1,604
Selling, General & Administrative	-94	510	449	348	520	457
Other Non-Interest Expense	15,987	16,068	16,147	19,171	5,847	5,348
Total Non-Interest Expense	17,766	18,451	18,501	21,269	17,573	16,545
EBT Excluding Unusual Items	7,978	6,807	5,578	4,239	8,149	2,282
Other Unusual Items	150	-77	-112	-	-	-
Pretax Income	8,505	6,730	5,128	4,239	8,035	1,400
Income Tax Expense	1,863	1,601	1,679	1,483	1,697	1,204
Earnings From Continuing Operations	6,642	5,129	3,449	2,756	6,338	196
Minority Interest in Earnings	-1,020	-929	-956	-931	-697	-454
Net Income	5,622	4,200	2,493	1,825	5,641	-258
Preferred Dividends & Other Adjustments	727	720	758	596	590	611
Net Income to Common	4,895	3,480	1,735	1,229	5,051	-869
Net Income Growth	56.56%	68.47%	36.60%	-67.65%	-	-
Basic Shares Outstanding	785	795	799	822	846	850
Diluted Shares Outstanding	785	795	799	822	846	850
Shares Change (YoY)	-1.27%	-0.52%	-2.81%	-2.81%	-0.48%	2.47%
EPS (Basic)	6.23	4.38	2.17	1.49	5.97	-1.02
EPS (Diluted)	6.23	4.38	2.17	1.49	5.97	-1.02
EPS Growth	73.64%	101.68%	45.21%	-74.96%	-	-
Dividend Per Share	1.700	1.090	0.900	1.700	1.650	0.550
Dividend Growth	88.89%	21.11%	-47.06%	3.03%	200.00%	-
Effective Tax Rate	21.91%	23.79%	32.74%	34.98%	21.12%	86.00%

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