APS 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 Income on Loans	114.3	107.68	98.66	73.5	63.25
Interest Income on Investments	9.11	7.18	7.02	6.49	6.2
Total Interest Income	123.42	114.86	105.68	79.99	69.45
Interest Paid on Deposits	44.43	49.23	32.1	14.77	13.77
Net Interest Income	78.98	65.63	73.59	65.22	55.67
Net Interest Income Growth (YoY)	20.34%	-10.81%	12.82%	17.15%	13.54%
Gain (Loss) on Sale of Investments	-	0.6	-	0.98	0.57
Other Non-Interest Income	10.28	11.84	11.88	-1.45	8.01
Total Non-Interest Income	10.28	12.43	11.88	-0.46	8.58
Non-Interest Income Growth (YoY)	-17.32%	4.66%	-	-	40.51%
Revenues Before Loan Losses	89.26	78.06	85.47	64.76	64.26
Provision for Loan Losses	0.72	2.96	3.5	-0.25	-1.49
Revenue	88.54	75.11	81.97	65.02	65.75
Revenue Growth (YoY)	17.89%	-8.37%	26.07%	-1.11%	32.54%
Salaries and Employee Benefits	32.91	29.45	28.43	25.95	21.85
Occupancy Expenses	2.7	2.74	2.49	2.53	2.17
Amortization of Goodwill & Intangibles	3.46	2.78	3.02	2.26	1.91
Selling, General & Administrative	24.03	21.97	18.7	16.29	14.67
Total Non-Interest Expense	62.05	56.13	51.73	49.24	40.56
EBT Excluding Unusual Items	26.5	18.98	30.24	15.77	25.18
Asset Writedown	-	4.79	-	-0.11	-1.12
Pretax Income	26.5	23.76	30.24	15.66	24.07
Income Tax Expense	10.23	5.58	9.67	9.89	8.97
Earnings From Continuing Operations	16.26	18.18	20.57	5.77	15.1
Minority Interest in Earnings	-0.08	-0.58	-0.78	2.24	-0.46
Net Income	16.18	17.6	19.8	8	14.64
Net Income to Common	16.18	17.6	19.8	8	14.64
Net Income Growth	-8.05%	-11.11%	147.40%	-45.33%	48.56%
Basic Shares Outstanding	391	380	380	325	255
Diluted Shares Outstanding	392	381	381	326	255
Shares Change (YoY)	2.94%	-	17.02%	27.57%	0.46%
EPS (Basic)	0.04	0.05	0.05	0.02	0.06
EPS (Diluted)	0.04	0.05	0.05	0.02	0.06
EPS Growth	-10.87%	-11.54%	111.11%	-57.06%	47.89%
Dividend Per Share	0.030	0.034	0.031	0.027	0.018
Dividend Growth	-11.29%	10.03%	15.67%	48.07%	24.83%
Effective Tax Rate	38.62%	23.49%	31.97%	63.17%	37.26%

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