Berner Kantonalbank AG 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
Interest Income on Loans	468.35	572.76	544.69	333.19	315.09
Interest Income on Investments	23	20.23	16.37	10.38	8.19
Total Interest Income	491.35	592.99	561.06	343.58	323.28
Interest Paid on Deposits	104.83	186.44	172.86	39.37	37.31
Net Interest Income	386.52	406.56	388.2	304.21	285.97
Net Interest Income Growth (YoY)	-4.93%	4.73%	27.61%	6.38%	2.42%
Income From Trading Activities	21.87	25	24.27	37.45	24.92
Gain (Loss) on Sale of Assets	-	-	2.03	1.56	3.37
Gain (Loss) on Sale of Investments	10.3	10.15	12.8	16.66	11.03
Gain (Loss) on Sale of Equity Investments	9.3	8.83	-	-	-
Other Non-Interest Income	129.16	116.79	116.74	114.62	120.25
Total Non-Interest Income	170.62	160.78	155.83	170.29	159.57
Non-Interest Income Growth (YoY)	6.12%	3.17%	-8.49%	6.72%	10.42%
Revenues Before Loan Losses	557.14	567.33	544.03	474.5	445.53
Provision for Loan Losses	9.85	14.19	11.75	-11.19	-17.98
Revenue	547.3	553.14	532.28	485.69	463.51
Revenue Growth (YoY)	-1.06%	3.92%	9.59%	4.78%	12.17%
Salaries and Employee Benefits	153.85	144.44	140.42	143.39	144.16
Occupancy Expenses	42.16	34.2	36.65	64.8	45.06
Selling, General & Administrative	126.7	122.52	113.94	111.5	94.46
Other Non-Interest Expense	5.34	23.31	44.09	-23.22	-11.83
Total Non-Interest Expense	328.05	324.47	335.1	296.47	271.84
EBT Excluding Unusual Items	219.25	228.67	197.18	189.22	191.67
Asset Writedown	-1.5	-	-	-	-1.5
Other Unusual Items	0.41	0.19	32.7	0.3	0.17
Pretax Income	218.16	228.87	229.89	189.52	190.34
Income Tax Expense	42.8	48.2	55	29.9	35.4
Net Income	175.36	180.67	174.89	159.62	154.94
Net Income to Common	175.36	180.67	174.89	159.62	154.94
Net Income Growth	-2.94%	3.31%	9.57%	3.02%	4.42%
Basic Shares Outstanding	9	9	9	9	9
Diluted Shares Outstanding	10	10	10	9	9
Shares Change (YoY)	0.12%	-0.08%	2.69%	0.26%	-0.04%
EPS (Basic)	18.93	19.53	18.89	17.24	16.77
EPS (Diluted)	18.40	19.00	18.40	17.24	16.77
EPS Growth	-3.16%	3.26%	6.75%	2.75%	4.46%
Dividend Per Share	10.800	10.400	10.000	9.600	9.200
Dividend Growth	3.85%	4.00%	4.17%	4.35%	4.54%
Effective Tax Rate	19.62%	21.06%	23.93%	15.78%	18.60%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.