SAB Finance a.s. Income Statement

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

Millions CZK. 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
Net Interest Income	-8.97	8.6	251.63	138.21	82.91
Net Interest Income Growth	-	-96.58%	82.06%	66.70%	-
Non-Interest Income	701.72	966.75	650.53	609.63	462.44
Non-Interest Income Growth	-27.41%	48.61%	6.71%	31.83%	59.41%
Revenues Before Loan Losses	692.75	975.35	902.16	747.84	545.35
Provision for Credit Losses	-	-	0.34	12.16	3.47
Revenue	692.75	975.35	901.81	735.68	541.89
Revenue Growth (YoY)	-28.98%	8.15%	22.58%	35.76%	91.27%
Compensation Expenses	185.83	121.78	195.65	205.61	161.2
Selling, General & Admin	62.27	53.33	133.83	124.82	80.17
Other Non-Interest Expenses	-45.72	-345.31	221.94	69.3	87.41
Total Non-Interest Expense	202.39	-170.21	551.42	399.73	328.78
Pretax Income	490.36	1,146	351.08	335.95	212.91
Provision for Income Taxes	-	-	83.81	65.86	0.07
Net Income	285.41	414.8	267.27	270.09	212.84
Minority Interest in Earnings	-	28.63	42.01	0.36	0.4
Earnings From Discontinued Operations	-	55.12	-	-	-
Net Income to Common	285.41	386.17	225.26	269.73	212.44
Net Income Growth	-26.09%	71.43%	-16.49%	26.97%	82.01%
Shares Outstanding (Basic)	3	3	3	3	3
Shares Outstanding (Diluted)	3	3	3	3	3
Shares Change (YoY)	-	-	18.30%	-	-0.02%
EPS (Basic)	93.61	136.04	73.88	84.06	62.66
EPS (Diluted)	93.61	136.04	73.88	84.06	62.66
EPS Growth	-31.19%	84.14%	-12.11%	34.15%	38.38%
Free Cash Flow	177.39	4,504	-169.61	998.48	26.72
Free Cash Flow Growth	-96.06%	-	-	3637.25%	-91.34%
Free Cash Flow Per Share	58.18	1477.12	-55.63	387.41	10.37
Dividends Per Share	-	90.150	84.750	89.680	73.100
Dividend Growth	-	6.37%	-5.50%	22.68%	-
Profit Margin	41.20%	42.53%	29.64%	36.71%	39.28%
FCF Margin	25.61%	461.76%	-18.81%	135.72%	4.93%
Effective Tax Rate	0.00%	0.00%	23.87%	19.61%	0.03%