Cembra Money Bank AG (LON:0QPJ)

Cembra Money Bank AG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	480.58	485.73	422.13	385.56	382.7	401.81
Interest Paid on Deposits	99.42	105.25	74.91	29.39	26.03	26.86
Net Interest Income	381.17	380.48	347.22	356.17	356.67	374.96
Net Interest Income Growth (YoY)	5.82%	9.58%	-2.51%	-0.14%	-4.88%	12.95%
Other Non-Interest Income	168.54	169.98	168.47	152.69	130.35	122.27
Total Non-Interest Income	168.54	169.98	168.47	152.69	130.35	122.27
Non-Interest Income Growth (YoY)	-1.16%	0.90%	10.34%	17.14%	6.61%	-17.23%
Revenues Before Loan Losses	549.71	550.46	515.69	508.86	487.02	497.23
Provision for Loan Losses	70.27	74.15	56.91	40.93	40.28	56.41
Revenue	479.43	476.3	458.78	467.93	446.74	440.82
Revenue Growth (YoY)	3.40%	3.82%	-1.95%	4.74%	1.34%	1.42%
Salaries and Employee Benefits	124.59	133.37	136.38	135.02	132.11	128.69
Selling, General & Administrative	132.09	131.16	126.23	122.44	114.14	118.72
Other Non-Interest Expense	0	0	-0	0	0	-
Total Non-Interest Expense	256.68	264.52	262.61	257.46	246.26	247.41
EBT Excluding Unusual Items	222.75	211.78	196.17	210.47	200.48	193.41
Pretax Income	222.75	211.78	196.17	210.47	200.48	193.41
Income Tax Expense	43.47	41.38	38.14	41.17	38.99	40.49
Net Income	179.28	170.4	158.03	169.3	161.5	152.92
Net Income to Common	179.28	170.4	158.03	169.3	161.5	152.92
Net Income Growth	11.13%	7.82%	-6.65%	4.83%	5.61%	-3.94%
Basic Shares Outstanding	29	29	29	29	29	29
Diluted Shares Outstanding	29	29	29	29	29	29
Shares Change (YoY)	0.05%	0.01%	-0.01%	-0.07%	-0.01%	2.06%
EPS (Basic)	6.11	5.81	5.39	5.77	5.50	5.21
EPS (Diluted)	6.10	5.80	5.38	5.76	5.49	5.20
EPS Growth	10.93%	7.81%	-6.60%	4.92%	5.58%	-5.97%
Dividend Per Share	4.250	4.250	4.000	3.950	3.850	3.750
Dividend Growth	6.25%	6.25%	1.27%	2.60%	2.67%	-
Effective Tax Rate	19.52%	19.54%	19.44%	19.56%	19.45%	20.94%

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