APS Bank Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	113.69	107.68	98.66	73.5	63.25	56.46
Interest Income on Investments	7.94	7.18	7.02	6.49	6.2	6.01
Total Interest Income	121.63	114.86	105.68	79.99	69.45	62.47
Interest Paid on Deposits	48.37	49.23	32.1	14.77	13.77	13.43
Net Interest Income	73.26	65.63	73.59	65.22	55.67	49.04
Net Interest Income Growth (YoY)	8.97%	-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	10.99	11.84	11.88	-1.45	8.01	6.11
Total Non-Interest Income	11.59	12.43	11.88	-0.46	8.58	6.11
Non-Interest Income Growth (YoY)	-13.67%	4.66%	-	-	40.51%	-48.42%
Revenues Before Loan Losses	84.84	78.06	85.47	64.76	64.26	55.14
Provision for Loan Losses	2.36	2.96	3.5	-0.25	-1.49	5.54
Revenue	82.49	75.11	81.97	65.02	65.75	49.61
Revenue Growth (YoY)	8.15%	-8.37%	26.07%	-1.11%	32.54%	-10.79%
Salaries and Employee Benefits	31.91	29.45	28.43	25.95	21.85	17.17
Occupancy Expenses	2.71	2.74	2.49	2.53	2.17	2.38
Amortization of Goodwill & Intangibles	3.21	2.78	3.02	2.26	1.91	1.65
Selling, General & Administrative	25.19	21.97	18.7	16.29	14.67	12.35
Total Non-Interest Expense	62.24	56.13	51.73	49.24	40.56	33.81
EBT Excluding Unusual Items	20.25	18.98	30.24	15.77	25.18	15.8
Asset Writedown	4.79	4.79	-	-0.11	-1.12	-
Pretax Income	25.04	23.76	30.24	15.66	24.07	15.8
Income Tax Expense	8.02	5.58	9.67	9.89	8.97	5.71
Earnings From Continuing Operations	17.02	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	16.43	17.6	19.8	8	14.64	9.85
Net Income to Common	16.43	17.6	19.8	8	14.64	9.85
Net Income Growth	0.26%	-11.11%	147.40%	-45.33%	48.56%	-48.46%
Basic Shares Outstanding	382	380	380	325	255	254
Diluted Shares Outstanding	382	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	0.033	0.034	0.031	0.027	0.018	0.015
Dividend Growth	10.46%	10.03%	15.67%	48.07%	24.83%	-63.20%
Effective Tax Rate	32.04%	23.49%	31.97%	63.17%	37.26%	36.13%

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