Cembra Money Bank AG (LON:0QPJ)

Cembra Money Bank AG Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	485.73	422.13	385.56	382.7	401.81
Interest Paid on Deposits	105.25	74.91	29.39	26.03	26.86
Net Interest Income	380.48	347.22	356.17	356.67	374.96
Net Interest Income Growth (YoY)	9.58%	-2.51%	-0.14%	-4.88%	12.94%
Other Non-Interest Income	169.98	168.47	152.69	130.35	122.27
Total Non-Interest Income	169.98	168.47	152.69	130.35	122.27
Non-Interest Income Growth (YoY)	0.89%	10.34%	17.14%	6.61%	-17.23%
Revenues Before Loan Losses	550.46	515.69	508.86	487.02	497.23
Provision for Loan Losses	74.15	56.91	40.93	40.28	56.41
Revenue	476.3	458.78	467.93	446.74	440.82
Revenue Growth (YoY)	3.82%	-1.95%	4.74%	1.34%	1.42%
Salaries and Employee Benefits	133.37	136.38	135.02	132.11	128.69
Selling, General & Administrative	131.16	126.23	122.44	114.14	118.72
Other Non-Interest Expense	0	-0	0	0	-
Total Non-Interest Expense	264.52	262.61	257.46	246.26	247.41
EBT Excluding Unusual Items	211.78	196.17	210.47	200.48	193.41
Pretax Income	211.78	196.17	210.47	200.48	193.41
Income Tax Expense	41.38	38.14	41.17	38.99	40.49
Net Income	170.4	158.03	169.3	161.5	152.92
Net Income to Common	170.4	158.03	169.3	161.5	152.92
Net Income Growth	7.82%	-6.66%	4.83%	5.61%	-3.94%
Basic Shares Outstanding	29	29	29	29	29
Diluted Shares Outstanding	29	29	29	29	29
Shares Change (YoY)	0.02%	-0.01%	-0.07%	-0.01%	2.06%
EPS (Basic)	5.81	5.39	5.77	5.50	5.21
EPS (Diluted)	5.80	5.38	5.76	5.49	5.20
EPS Growth	7.81%	-6.60%	4.92%	5.58%	-5.97%
Dividend Per Share	4.250	4.000	3.950	3.850	3.750
Dividend Growth	6.25%	1.27%	2.60%	2.67%	0%
Effective Tax Rate	19.54%	19.44%	19.56%	19.45%	20.93%

Source: S&P Capital IQ. Banks template. Financial Sources.