APS Bank plc (MSE:APS)

APS Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	109.34	107.68	98.66	73.5	63.25	56.46
Interest Income on Investments	6.91	7.18	7.02	6.49	6.2	6.01
Total Interest Income	116.25	114.86	105.68	79.99	69.45	62.47
Interest Paid on Deposits	50.62	49.23	32.1	14.77	13.77	13.43
Net Interest Income	65.63	65.63	73.59	65.22	55.67	49.04
Net Interest Income Growth (YoY)	-8.76%	-10.81%	12.82%	17.15%	13.54%	9.36%
Gain (Loss) on Sale of Investments	0.6	0.6	-	0.98	0.57	-
Other Non-Interest Income	11.56	11.84	11.88	-1.45	8.01	6.11
Total Non-Interest Income	12.16	12.43	11.88	-0.46	8.58	6.11
Non-Interest Income Growth (YoY)	5.58%	4.66%	-	-	40.51%	-48.42%
Revenues Before Loan Losses	77.79	78.06	85.47	64.76	64.26	55.14
Provision for Loan Losses	2.04	2.96	3.5	-0.25	-1.49	5.54
Revenue	75.75	75.11	81.97	65.02	65.75	49.61
Revenue Growth (YoY)	-4.84%	-8.37%	26.07%	-1.11%	32.54%	-10.79%
Salaries and Employee Benefits	29.79	29.45	28.43	25.95	21.85	17.17
Occupancy Expenses	2.64	2.74	2.49	2.53	2.17	2.38
Amortization of Goodwill & Intangibles	2.85	2.78	3.02	2.26	1.91	1.65
Selling, General & Administrative	24.09	21.97	18.7	16.29	14.67	12.35
Total Non-Interest Expense	58.92	56.13	51.73	49.24	40.56	33.81
EBT Excluding Unusual Items	16.83	18.98	30.24	15.77	25.18	15.8
Asset Writedown	4.79	4.79	-	-0.11	-1.12	-
Pretax Income	21.62	23.76	30.24	15.66	24.07	15.8
Income Tax Expense	5.44	5.58	9.67	9.89	8.97	5.71
Earnings From Continuing Operations	16.18	18.18	20.57	5.77	15.1	10.09
Minority Interest in Earnings	-0.58	-0.58	-0.78	2.24	-0.46	-0.24
Net Income	15.6	17.6	19.8	8	14.64	9.85
Net Income to Common	15.6	17.6	19.8	8	14.64	9.85
Net Income Growth	-12.43%	-11.11%	147.40%	-45.33%	48.56%	-48.46%
Basic Shares Outstanding	380	380	380	325	255	254
Diluted Shares Outstanding	380	381	381	326	255	254
Shares Change (YoY)	-	-	17.02%	27.57%	0.46%	400.00%
EPS (Basic)	0.04	0.05	0.05	0.02	0.06	0.04
EPS (Diluted)	0.04	0.05	0.05	0.02	0.06	0.04
EPS Growth	-	-11.54%	111.11%	-57.06%	47.89%	-89.69%
Dividend Per Share	-	0.034	0.031	0.027	0.018	0.015
Dividend Growth	-	10.03%	15.67%	48.07%	24.83%	-63.20%
Effective Tax Rate	25.17%	23.49%	31.97%	63.17%	37.26%	36.13%

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