APS Bank Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	86.88	78.98	65.63	73.59	65.22	55.67
Net Interest Income Growth (YoY)	32.38%	20.34%	-10.81%	12.82%	17.15%	13.54%
Gain (Loss) on Sale of Investments	0.5	-	0.6	-	0.98	0.57
Other Non-Interest Income	11.38	10.28	11.84	11.88	-1.45	8.01
Total Non-Interest Income	11.88	10.28	12.43	11.88	-0.46	8.58
Non-Interest Income Growth (YoY)	-2.29%	-17.32%	4.66%	-	-	40.51%
Revenues Before Loan Losses	98.76	89.26	78.06	85.47	64.76	64.26
Provision for Loan Losses	1.52	0.72	2.96	3.5	-0.25	-1.49
Revenue	97.24	88.54	75.11	81.97	65.02	65.75
Revenue Growth (YoY)	28.37%	17.89%	-8.37%	26.07%	-1.11%	32.54%
Salaries and Employee Benefits	32.91	32.91	29.45	28.43	25.95	21.85
Occupancy Expenses	2.7	2.7	2.74	2.49	2.53	2.17
Amortization of Goodwill & Intangibles	3.46	3.46	2.78	3.02	2.26	1.91
Selling, General & Administrative	24.03	24.03	21.97	18.7	16.29	14.67
Other Non-Interest Expense	1.8	-	-	-	-	-
Total Non-Interest Expense	63.65	62.05	56.13	51.73	49.24	40.56
EBT Excluding Unusual Items	33.6	26.5	18.98	30.24	15.77	25.18
Asset Writedown	-	-	4.79	-	-0.11	-1.12
Pretax Income	33.6	26.5	23.76	30.24	15.66	24.07
Income Tax Expense	12.83	10.23	5.58	9.67	9.89	8.97
Earnings From Continuing Operations	20.76	16.26	18.18	20.57	5.77	15.1
Minority Interest in Earnings	-0.08	-0.08	-0.58	-0.78	2.24	-0.46
Net Income	20.68	16.18	17.6	19.8	8	14.64
Net Income to Common	20.68	16.18	17.6	19.8	8	14.64
Net Income Growth	32.62%	-8.05%	-11.11%	147.40%	-45.33%	48.56%
Basic Shares Outstanding	486	391	380	380	325	255
Diluted Shares Outstanding	486	392	381	381	326	255
Shares Change (YoY)	-	2.94%	-	17.02%	27.57%	0.46%
EPS (Basic)	0.04	0.04	0.05	0.05	0.02	0.06
EPS (Diluted)	0.04	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	38.19%	38.62%	23.49%	31.97%	63.17%	37.26%

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