LON:0NWJ 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	1,746	2,118	1,812	834.56	642.07
Interest Income on Investments	11.1	6.5	7.65	6.46	5.21
Total Interest Income	1,757	2,125	1,820	841.02	647.28
Interest Paid on Deposits	643.9	1,028	875.07	153.49	113.14
Net Interest Income	1,113	1,097	944.61	687.53	534.13
Net Interest Income Growth (YoY)	1.49%	16.09%	37.39%	28.72%	8.04%
Income From Trading Activities	91.8	124.51	112.98	28.4	63.65
Gain (Loss) on Sale of Investments	5.9	-3.99	4.86	-55.93	41.88
Other Non-Interest Income	466.6	430.51	409.03	383.97	351.8
Total Non-Interest Income	576	561.71	534.52	385.42	490.2
Non-Interest Income Growth (YoY)	2.54%	5.09%	38.68%	-21.38%	54.14%
Revenues Before Loan Losses	1,689	1,658	1,479	1,073	1,024
Provision for Loan Losses	33.7	195.61	202.61	152.51	140.2
Revenue	1,655	1,463	1,277	920.45	884.14
Revenue Growth (YoY)	13.16%	14.59%	38.68%	4.11%	31.76%
Salaries and Employee Benefits	370.6	321.5	300.27	272.33	269.9
Occupancy Expenses	53.3	52.32	53.84	45.27	37.36
Amortization of Goodwill & Intangibles	34	19.93	18.65	17.21	16.68
Selling, General & Administrative	343.9	338.92	321.89	307.91	291.11
Other Non-Interest Expense	-68.6	-77.06	-41.5	-53.56	-72.31
Total Non-Interest Expense	688.7	610.89	614.62	561.4	506.84
EBT Excluding Unusual Items	966.5	851.81	661.89	359.05	377.3
Asset Writedown	-20.7	-7.23	-2.29	-2.76	-0.88
Other Unusual Items	-	0.68	0.09	-2.31	-2.9
Pretax Income	945.8	840.73	660.28	353.89	374.55
Income Tax Expense	297.8	265.79	199.12	102.57	99.53
Earnings From Continuing Operations	648	574.94	461.16	251.32	275.02
Minority Interest in Earnings	-	-	-	-	-6.39
Net Income	648	574.94	461.16	251.32	268.63
Net Income to Common	648	574.94	461.16	251.32	268.63
Net Income Growth	12.71%	24.67%	83.49%	-6.44%	152.01%
Basic Shares Outstanding	450	450	450	-	-
Diluted Shares Outstanding	450	450	450	-	-
Shares Change (YoY)	0.02%	0.01%	-	-	-
EPS (Basic)	1.44	1.28	1.03	-	-
EPS (Diluted)	1.44	1.28	1.02	-	-
EPS Growth	12.81%	24.71%	-	-	-
Dividend Per Share	-	0.800	0.560	0.280	0.200
Dividend Growth	-	42.86%	100.00%	40.00%	233.33%
Effective Tax Rate	31.49%	31.61%	30.16%	28.98%	26.57%

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