Graubündner 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
Interest Income on Loans	423.15	566.36	542.43	278.21	222.92
Interest Income on Investments	13.05	8.35	5.92	5.96	4.88
Total Interest Income	436.2	574.71	548.35	284.17	227.8
Interest Paid on Deposits	100.86	243.67	211.68	13.97	-32.74
Net Interest Income	335.34	331.04	336.67	270.2	260.54
Net Interest Income Growth (YoY)	1.30%	-1.67%	24.60%	3.71%	2.06%
Income From Trading Activities	21.63	20.83	19.81	18.47	17.15
Gain (Loss) on Sale of Investments	-21.84	0.97	1.42	3.7	5.54
Gain (Loss) on Sale of Equity Investments	3.26	3.52	4.78	1.9	1.62
Other Non-Interest Income	171.8	170.46	161.89	147.69	167.29
Total Non-Interest Income	179.02	200.85	192.72	176.45	195.84
Non-Interest Income Growth (YoY)	-10.87%	4.22%	9.23%	-9.90%	31.90%
Revenues Before Loan Losses	514.36	531.89	529.39	446.64	456.38
Provision for Loan Losses	25.41	3.48	3.49	-13.85	0.19
Revenue	488.95	528.41	525.91	460.49	456.18
Revenue Growth (YoY)	-7.47%	0.48%	14.21%	0.95%	11.99%
Salaries and Employee Benefits	160.53	154.9	147.74	136.38	132.12
Occupancy Expenses	-	26.03	31.96	27.61	21.7
Selling, General & Administrative	94.55	89.82	83.29	76.2	69.15
Other Non-Interest Expense	3.92	25.88	29.38	12.14	23.05
Total Non-Interest Expense	259	296.63	292.37	252.33	246.02
EBT Excluding Unusual Items	229.95	231.78	233.54	208.17	210.17
Other Unusual Items	0.57	3.96	3.28	4.4	2.49
Pretax Income	230.52	235.74	236.82	212.57	212.66
Income Tax Expense	5.89	6.24	6.19	5.03	9.72
Earnings From Continuing Operations	224.63	229.5	230.64	207.54	202.94
Minority Interest in Earnings	-8.31	-12.04	-12.35	-9.76	-18.71
Net Income	216.32	217.46	218.29	197.78	184.23
Net Income to Common	216.32	217.46	218.29	197.78	184.23
Net Income Growth	-0.52%	-0.38%	10.37%	7.36%	6.60%
Basic Shares Outstanding	-	2	-	2	2
Diluted Shares Outstanding	-	2	-	2	2
Shares Change (YoY)	-	-	-	0.01%	0.01%
EPS (Basic)	-	87.32	-	79.35	73.92
EPS (Diluted)	-	87.32	-	79.35	73.92
EPS Growth	-	-	-	7.35%	6.59%
Dividend Per Share	47.500	47.500	47.500	42.500	42.500
Dividend Growth	-	-	11.77%	-	6.25%
Effective Tax Rate	2.55%	2.65%	2.61%	2.37%	4.57%