SCGLY Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	43,630	55,019	53,087	30,738	20,590
Interest Paid on Deposits	33,561	45,127	42,777	17,897	9,872
Net Interest Income	10,069	9,892	10,310	12,841	10,718
Net Interest Income Growth (YoY)	1.79%	-4.05%	-19.71%	19.81%	2.34%
Gain (Loss) on Sale of Assets	-	-	-	-	624
Other Non-Interest Income	17,185	16,896	14,794	14,314	15,080
Total Non-Interest Income	17,185	16,896	14,794	14,314	15,704
Non-Interest Income Growth (YoY)	1.71%	14.21%	3.35%	-8.85%	34.91%
Revenues Before Loan Losses	27,254	26,788	25,104	27,155	26,422
Provision for Loan Losses	1,477	1,530	1,025	1,647	700
Revenue	25,777	25,258	24,079	25,508	25,722
Revenue Growth (YoY)	2.05%	4.90%	-5.60%	-0.83%	36.62%
Salaries and Employee Benefits	-	-	-	-	9,567
Occupancy Expenses	1,597	1,651	1,675	1,569	1,645
Selling, General & Administrative	463	510	449	348	520
Other Non-Interest Expense	14,547	16,068	16,147	19,171	5,847
Total Non-Interest Expense	16,974	18,451	18,501	21,269	17,573
EBT Excluding Unusual Items	8,803	6,807	5,578	4,239	8,149
Other Unusual Items	-	-77	-112	-	-
Pretax Income	8,803	6,730	5,128	4,239	8,035
Income Tax Expense	1,771	1,601	1,679	1,483	1,697
Earnings From Continuing Operations	7,032	5,129	3,449	2,756	6,338
Minority Interest in Earnings	-1,030	-929	-956	-931	-697
Net Income	6,002	4,200	2,493	1,825	5,641
Preferred Dividends & Other Adjustments	720	720	758	596	590
Net Income to Common	5,282	3,480	1,735	1,229	5,051
Net Income Growth	42.91%	68.47%	36.60%	-67.65%	-
Basic Shares Outstanding	776	795	799	822	846
Diluted Shares Outstanding	776	795	799	822	846
Shares Change (YoY)	-2.38%	-0.52%	-2.81%	-2.81%	-0.48%
EPS (Basic)	6.80	4.38	2.17	1.49	5.97
EPS (Diluted)	6.80	4.38	2.17	1.49	5.97
EPS Growth	55.38%	101.68%	45.21%	-74.96%	-
Dividend Per Share	1.610	1.090	0.900	1.700	1.650
Dividend Growth	47.71%	21.11%	-47.06%	3.03%	200.00%
Effective Tax Rate	20.12%	23.79%	32.74%	34.98%	21.12%

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