Alpha Bank S.A. (ALBKY)

Alpha Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	4,381	4,408	3,582	1,692	1,888	2,057
Interest Income on Investments	6	6	4	2.3	1.83	2.96
Total Interest Income	4,387	4,414	3,586	1,694	1,889	2,060
Interest Paid on Deposits	2,765	2,763	1,923	517.76	511.64	529.61
Net Interest Income	1,622	1,651	1,663	1,176	1,378	1,530
Net Interest Income Growth (YoY)	-4.65%	-0.72%	41.40%	-14.63%	-9.97%	-1.17%
Gain (Loss) on Sale of Assets	24	27	3	316.61	-0.67	-18.82
Gain (Loss) on Sale of Investments	17	21	25	17.16	156.12	517.04
Other Non-Interest Income	562	512	458	561.82	365.1	348.23
Total Non-Interest Income	620	591	469	891.32	-1,727	1,020
Non-Interest Income Growth (YoY)	22.27%	26.01%	-47.38%	-	-	29.80%
Revenues Before Loan Losses	2,242	2,242	2,132	2,067	-349.6	2,550
Provision for Loan Losses	444	453	469	560.96	1,433	1,319
Revenue	1,798	1,789	1,663	1,506	-1,783	1,231
Revenue Growth (YoY)	7.11%	7.58%	10.39%	-	-	-8.38%
Salaries and Employee Benefits	369	370	333	323.65	397.44	444.73
Occupancy Expenses	172	179	157	142.68	157.06	158.98
Selling, General & Administrative	244	238	254	386.75	475.4	366.16
Other Non-Interest Expense	108	109	72	19.01	15.37	113.47
Total Non-Interest Expense	884	896	815	869.04	1,039	1,084
EBT Excluding Unusual Items	914	893	848	637.44	-2,822	146.62
Asset Writedown	-15	-15	-19	-67.58	-	-
Legal Settlements	-3	-	-6	-13.47	-	-
Pretax Income	834	816	780	543.88	-2,929	111.37
Income Tax Expense	211	219	226	238.93	-55.8	10.13
Earnings From Continuing Operations	623	597	554	304.95	-2,873	101.24
Earnings From Discontinued Operations	42	57	64	63.46	-33.14	2.77
Minority Interest in Earnings	-	-	-	-0.31	-0.09	-0.21
Net Income	665	654	618	368.1	-2,906	103.8
Preferred Dividends & Other Adjustments	59	48	24	-	-	-
Net Income to Common	606	606	594	368.1	-2,906	103.8
Net Income Growth	-7.49%	5.83%	67.89%	-	-	-1.42%
Basic Shares Outstanding	2,297	2,314	2,348	2,347	1,931	1,544
Diluted Shares Outstanding	2,300	2,317	2,351	2,351	1,931	1,544
Shares Change (YoY)	-2.16%	-1.45%	0.01%	21.71%	25.12%	-
EPS (Basic)	0.26	0.26	0.25	0.16	-1.50	0.07
EPS (Diluted)	0.26	0.26	0.25	0.16	-1.50	0.07
EPS Growth	-7.58%	3.64%	61.26%	-	-	-1.48%
Dividend Per Share	-	-	0.026	-	-	-
Effective Tax Rate	25.30%	26.84%	28.97%	43.93%	-	9.10%

Updated Mar 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.