Glarner Kantonalbank 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	56.66	60.64	68.77	67.57	68.99
Net Interest Income Growth	-6.57%	-11.82%	1.78%	-2.05%	2.43%
Non-Interest Income	42.39	40	35.09	23.48	20.98
Non-Interest Income Growth	5.99%	13.99%	49.41%	11.94%	4.72%
Revenues Before Loan Losses	99.05	100.64	103.86	91.06	89.97
Provision for Credit Losses	3.25	2.15	1.69	-4.33	-0.78
Revenue	95.8	98.49	102.18	95.38	90.74
Revenue Growth	-2.73%	-3.60%	7.12%	5.11%	8.82%
Compensation Expenses	41	41.25	39.68	38	35.2
Selling, General & Admin	23.45	23.56	24.96	22.76	20.22
Other Non-Interest Expenses	5.39	4.87	4.68	5.3	6.1
Total Non-Interest Expense	69.83	69.68	69.31	66.06	61.53
Pretax Income	25.97	28.82	32.86	29.32	29.21
Provision for Income Taxes	4.14	4.53	4.86	4.03	4.75
Net Income	21.83	24.29	28	25.29	24.46
Net Income to Common	21.83	24.29	26	25.29	24.46
Net Income Growth	-10.14%	-6.60%	2.81%	3.39%	-5.67%
Shares Outstanding (Basic)	14	14	14	14	12
Shares Outstanding (Diluted)	14	14	14	14	14
Shares Change	-	2.10%	2.84%	-	-
EPS (Basic)	1.62	1.80	1.93	1.87	2.12
EPS (Diluted)	1.54	1.71	1.87	1.87	1.87
EPS Growth	-9.94%	-8.56%	0%	0%	-5.56%
Free Cash Flow	28.1	24.37	30.73	14.55	136.76
Free Cash Flow Growth	15.30%	-20.68%	111.14%	-89.36%	123.64%
Free Cash Flow Per Share	1.98	1.72	2.21	1.08	10.13
Dividends Per Share	1.000	1.000	1.100	1.100	1.100
Dividend Growth	0%	-9.09%	0%	0%	0%
Profit Margin	22.78%	24.66%	27.41%	26.52%	26.96%
FCF Margin	29.34%	24.75%	30.07%	15.26%	150.72%
Effective Tax Rate	15.95%	15.71%	14.79%	13.74%	16.26%