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	Jun '26 Jun 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	117.51	114.3	107.68	98.66	73.5	63.25
Interest Income on Investments	13.65	9.11	7.18	7.02	6.49	6.2
Total Interest Income	131.15	123.42	114.86	105.68	79.99	69.45
Interest Paid on Deposits	36.77	44.43	49.23	32.1	14.77	13.77
Net Interest Income	94.38	78.98	65.63	73.59	65.22	55.67
Net Interest Income Growth	38.23%	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	12.79	10.28	11.84	11.88	-1.45	8.01
Total Non-Interest Income	12.79	10.28	12.43	11.88	-0.46	8.58
Non-Interest Income Growth	6.15%	-17.32%	4.66%	-	-	40.51%
Revenues Before Loan Losses	107.18	89.26	78.06	85.47	64.76	64.26
Provision for Loan Losses	2.73	0.72	2.96	3.5	-0.25	-1.49
Revenue	104.44	88.54	75.11	81.97	65.02	65.75
Revenue Growth	32.26%	17.89%	-8.37%	26.07%	-1.11%	32.54%
Salaries and Employee Benefits	34.55	32.91	29.45	28.43	25.95	21.85
Occupancy Expenses	2.99	2.7	2.74	2.49	2.53	2.17
Amortization of Goodwill & Intangibles	3.48	3.46	2.78	3.02	2.26	1.91
Selling, General & Administrative	23.33	24.03	21.97	18.7	16.29	14.67
Total Non-Interest Expense	63.2	62.05	56.13	51.73	49.24	40.56
EBT Excluding Unusual Items	41.24	26.5	18.98	30.24	15.77	25.18
Asset Writedown	-	-	4.79	-	-0.11	-1.12
Pretax Income	41.24	26.5	23.76	30.24	15.66	24.07
Income Tax Expense	13.56	10.23	5.58	9.67	9.89	8.97
Earnings From Continuing Operations	27.68	16.26	18.18	20.57	5.77	15.1
Minority Interest in Earnings	-0.22	-0.08	-0.58	-0.78	2.24	-0.46
Net Income	27.45	16.18	17.6	19.8	8	14.64
Net Income to Common	27.45	16.18	17.6	19.8	8	14.64
Net Income Growth	75.55%	-8.05%	-11.11%	147.40%	-45.33%	48.56%
Basic Shares Outstanding	443	391	380	380	325	255
Diluted Shares Outstanding	444	392	381	381	326	255
Shares Change	16.17%	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	49.80%	-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	Jun '26 Jun 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	32.89%	38.62%	23.49%	31.97%	63.17%	37.26%