BFF Bank 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 and Dividend Income	507.27	762	638.31	364.6	233.99
Total Interest Expense	266.39	384.18	345.26	92.99	39.55
Net Interest Income	240.88	377.83	293.05	271.61	194.44
Commissions and Fees	109	110.52	112.37	127.59	109.28
Gain (Loss) on Sale of Loans & Receivables	10.46	3.33	22.04	0.17	-0
Gain (Loss) on Sale of Investments	-	-7.02	1.7	5.15	2.73
Other Revenue	9.37	7.89	0.29	12.62	6.63
Revenue Before Loan Losses	369.7	492.55	429.45	417.15	313.09
Provision for Loan Losses	81.44	5.57	4.93	5.91	-0.34
Revenue	288.26	486.98	424.52	411.24	313.43
Revenue Growth (YoY)	-40.81%	14.71%	3.23%	31.21%	50.79%
Salaries & Employee Benefits	85.42	79.51	75.98	74.35	73.23
Cost of Services Provided	128.26	116.34	124.5	117.02	109.62
Other Operating Expenses	-26.5	-24.45	-20.61	-0.25	-11.63
Total Operating Expenses	204.69	185.25	192.92	203.77	181.31
Operating Income	83.57	301.73	231.59	207.47	132.12
Earnings From Equity Investments	-	-	-	-	0.2
EBT Excluding Unusual Items	83.77	302	231.32	207.54	132.55
Gain (Loss) on Sale of Investments	3.56	6.38	-0.27	0.29	-0.15
Other Unusual Items	-	-3.52	3.95	123.38	64.26
Pretax Income	87.33	301.86	235	331.2	196.66
Income Tax Expense	17.15	86.18	63.34	99.15	-0.71
Net Income	70.17	215.68	171.66	232.05	197.37
Net Income to Common	70.17	215.68	171.66	232.05	197.37
Net Income Growth	-67.46%	25.64%	-26.02%	17.57%	116.72%
Shares Outstanding (Basic)	-	187	186	185	185
Shares Outstanding (Diluted)	-	190	188	186	195
Shares Change (YoY)	-	1.06%	1.02%	-4.70%	10.70%
EPS (Basic)	-	1.15	0.92	1.26	1.07
EPS (Diluted)	-	1.13	0.91	1.25	1.01
EPS Growth	-	24.18%	-27.20%	23.76%	94.23%
Free Cash Flow	-	10.14	-203.93	133.39	506.52
Free Cash Flow Per Share	-	0.05	-1.08	0.72	2.59
Dividend Per Share	-	-	0.979	0.790	1.574
Dividend Growth	-	-	23.94%	-49.80%	8210.54%
Operating Margin	28.99%	61.96%	54.55%	50.45%	42.15%
Profit Margin	24.34%	44.29%	40.44%	56.43%	62.97%
Free Cash Flow Margin	-	2.08%	-48.04%	32.44%	161.60%
Effective Tax Rate	19.64%	28.55%	26.95%	29.94%	-

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