Berner Kantonalbank AG Income Statement

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

Millions CHF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	516.09	572.76	544.69	333.19	315.09	324.28
Interest Income on Investments	21.11	20.23	16.37	10.38	8.19	10.02
Total Interest Income	537.2	592.99	561.06	343.58	323.28	334.29
Interest Paid on Deposits	133.48	186.44	172.86	39.37	37.31	55.09
Net Interest Income	403.72	406.56	388.2	304.21	285.97	279.2
Net Interest Income Growth (YoY)	3.87%	4.73%	27.61%	6.38%	2.42%	6.64%
Income From Trading Activities	21.65	25	24.27	37.45	24.92	20.87
Gain (Loss) on Sale of Assets	3.53	2.87	2.03	1.56	3.37	3.33
Gain (Loss) on Sale of Investments	5.57	10.15	12.8	16.66	11.03	6.83
Other Non-Interest Income	129.99	122.76	116.74	114.62	120.25	113.49
Total Non-Interest Income	160.74	160.78	155.83	170.29	159.57	144.52
Non-Interest Income Growth (YoY)	-5.21%	3.17%	-8.49%	6.72%	10.42%	-7.91%
Revenues Before Loan Losses	564.46	567.33	544.03	474.5	445.53	423.72
Provision for Loan Losses	8.67	14.19	11.75	-11.19	-17.98	10.51
Revenue	555.79	553.14	532.28	485.69	463.51	413.2
Revenue Growth (YoY)	3.00%	3.92%	9.59%	4.78%	12.17%	-7.15%
Salaries and Employee Benefits	149.05	144.44	140.42	143.39	144.16	141.9
Occupancy Expenses	33.9	33.9	36.65	64.8	45.06	60.03
Selling, General & Administrative	123.81	122.52	113.94	111.5	94.46	95.3
Other Non-Interest Expense	20.63	23.31	44.09	-23.22	-11.83	-67.13
Total Non-Interest Expense	327.39	324.17	335.1	296.47	271.84	230.09
EBT Excluding Unusual Items	228.4	228.97	197.18	189.22	191.67	183.11
Asset Writedown	-0.3	-0.3	-	-	-1.5	-12.2
Other Unusual Items	-0.1	0.19	32.7	0.3	0.17	0.47
Pretax Income	228	228.87	229.89	189.52	190.34	171.38
Income Tax Expense	46.3	48.2	55	29.9	35.4	23
Net Income	181.7	180.67	174.89	159.62	154.94	148.38
Net Income to Common	181.7	180.67	174.89	159.62	154.94	148.38
Net Income Growth	4.07%	3.31%	9.57%	3.02%	4.42%	3.85%
Basic Shares Outstanding	-	9	9	9	9	9
Diluted Shares Outstanding	-	10	10	9	9	9
Shares Change (YoY)	-	-0.08%	2.69%	0.26%	-0.04%	-3.45%
EPS (Basic)	-	19.53	18.89	17.24	16.77	16.06
EPS (Diluted)	-	19.00	18.40	17.24	16.77	16.06
EPS Growth	-	3.26%	6.75%	2.75%	4.46%	7.56%
Dividend Per Share	-	10.400	10.000	9.600	9.200	8.800
Dividend Growth	-	4.00%	4.17%	4.35%	4.54%	4.76%
Effective Tax Rate	20.31%	21.06%	23.93%	15.78%	18.60%	13.42%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.