Banque Cantonale Vaudoise Income Statement

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

Millions CHF. 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	529	555	596.7	461.7	472.5
Net Interest Income Growth	-4.69%	-6.99%	29.24%	-2.29%	-0.40%
Non-Interest Income	658.3	639.7	598.5	617.7	581.5
Non-Interest Income Growth	2.91%	6.88%	-3.11%	6.22%	11.36%
Revenues Before Loan Losses	1,150	1,156	1,160	1,039	1,005
Provision for Credit Losses	-2.7	-1.4	-0.5	2.8	-8.2
Revenue	1,153	1,157	1,161	1,037	1,014
Revenue Growth	-0.37%	-0.31%	11.95%	2.27%	5.55%
Compensation Expenses	393.3	386.9	364.1	352.9	349.3
Selling, General & Admin	166.2	169.8	176.6	163.7	155.8
Other Non-Interest Expenses	86.8	83.3	75.9	73.8	58.6
Total Non-Interest Expense	646.3	640	616.6	590.4	563.7
Pretax Income	502.8	515	541.5	447.7	428.8
Provision for Income Taxes	73.9	74.9	74.2	60.6	62.5
Net Income	428.9	440.1	467.3	387.1	366.3
Net Income to Common	429.7	440.6	469.2	388.3	378.7
Net Income Growth	-2.47%	-6.09%	20.83%	2.54%	14.48%
Shares Outstanding (Basic)	86	86	86	86	86
Shares Outstanding (Diluted)	86	86	86	86	86
Shares Change	-0.01%	0.02%	-0.00%	0.01%	0.04%
EPS (Basic)	5.00	5.13	5.46	4.52	4.41
EPS (Diluted)	5.00	5.13	5.46	4.52	4.41
EPS Growth	-2.53%	-6.04%	20.80%	2.49%	14.54%
Free Cash Flow	154	196	195	150	536
Free Cash Flow Growth	-21.43%	0.51%	30.00%	-72.02%	778.69%
Free Cash Flow Per Share	1.79	2.28	2.27	1.75	6.24
Dividends Per Share	4.400	4.400	4.300	3.800	3.700
Dividend Growth	0%	2.33%	13.16%	2.70%	2.78%
Profit Margin	37.21%	38.04%	40.27%	37.34%	36.14%
FCF Margin	13.36%	16.94%	16.80%	14.47%	52.88%
Effective Tax Rate	14.70%	14.54%	13.70%	13.54%	14.58%