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	Sep '26 Sep 30, 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	120.53	114.3	107.68	98.66	73.5	63.25
Interest Income on Investments	14.98	9.11	7.18	7.02	6.49	6.2
Total Interest Income	135.51	123.42	114.86	105.68	79.99	69.45
Interest Paid on Deposits	35.33	44.43	49.23	32.1	14.77	13.77
Net Interest Income	100.18	78.98	65.63	73.59	65.22	55.67
Net Interest Income Growth	36.75%	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	10.72	10.28	11.84	11.88	-1.45	8.01
Total Non-Interest Income	10.72	10.28	12.43	11.88	-0.46	8.58
Non-Interest Income Growth	-7.53%	-17.32%	4.66%	-	-	40.51%
Revenues Before Loan Losses	110.9	89.26	78.06	85.47	64.76	64.26
Provision for Loan Losses	3.68	0.72	2.96	3.5	-0.25	-1.49
Revenue	107.22	88.54	75.11	81.97	65.02	65.75
Revenue Growth	29.98%	17.89%	-8.37%	26.07%	-1.11%	32.54%
Salaries and Employee Benefits	34.92	32.91	29.45	28.43	25.95	21.85
Occupancy Expenses	3.1	2.7	2.74	2.49	2.53	2.17
Amortization of Goodwill & Intangibles	3.53	3.46	2.78	3.02	2.26	1.91
Selling, General & Administrative	23.27	24.03	21.97	18.7	16.29	14.67
Total Non-Interest Expense	63.99	62.05	56.13	51.73	49.24	40.56
EBT Excluding Unusual Items	43.23	26.5	18.98	30.24	15.77	25.18
Asset Writedown	-	-	4.79	-	-0.11	-1.12
Pretax Income	43.23	26.5	23.76	30.24	15.66	24.07
Income Tax Expense	14.75	10.23	5.58	9.67	9.89	8.97
Earnings From Continuing Operations	28.48	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	28.4	16.18	17.6	19.8	8	14.64
Net Income to Common	28.4	16.18	17.6	19.8	8	14.64
Net Income Growth	72.82%	-8.05%	-11.11%	147.40%	-45.33%	48.56%
Basic Shares Outstanding	490	391	380	380	325	255
Diluted Shares Outstanding	490	392	381	381	326	255
Shares Change	-	2.94%	-	17.02%	27.57%	0.46%
EPS (Basic)	0.06	0.04	0.05	0.05	0.02	0.06
EPS (Diluted)	0.06	0.04	0.05	0.05	0.02	0.06
EPS Growth	-	-10.87%	-11.54%	111.11%	-57.06%	47.89%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.036	0.030	0.034	0.031	0.027	0.018
Dividend Growth	7.03%	-11.29%	10.03%	15.67%	48.07%	24.83%
Effective Tax Rate	34.12%	38.62%	23.49%	31.97%	63.17%	37.26%