Graubündner Kantonalbank Income Statement

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

Millions CHF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	400.66	423.15	566.36	542.43	278.21	222.92
Interest Income on Investments	14.74	13.05	8.35	5.92	5.96	4.88
Total Interest Income	415.4	436.2	574.71	548.35	284.17	227.8
Interest Paid on Deposits	79.17	100.86	243.67	211.68	13.97	-32.74
Net Interest Income	336.23	335.34	331.04	336.67	270.2	260.54
Net Interest Income Growth	1.08%	1.30%	-1.67%	24.60%	3.71%	2.06%
Income From Trading Activities	21.85	21.63	20.83	19.81	18.47	17.15
Gain (Loss) on Sale of Investments	-19.23	-21.84	0.97	1.42	3.7	5.54
Gain (Loss) on Sale of Equity Investments	3.59	3.26	3.52	4.78	1.9	1.62
Other Non-Interest Income	183.09	171.8	170.46	161.89	147.69	167.29
Total Non-Interest Income	193.57	179.02	200.85	192.72	176.45	195.84
Non-Interest Income Growth	-3.17%	-10.87%	4.22%	9.23%	-9.90%	31.90%
Revenues Before Loan Losses	529.8	514.36	531.89	529.39	446.64	456.38
Provision for Loan Losses	11.65	25.41	3.48	3.49	-13.85	0.19
Revenue	518.15	488.95	528.41	525.91	460.49	456.18
Revenue Growth	-0.09%	-7.47%	0.48%	14.21%	0.95%	11.99%
Salaries and Employee Benefits	162.82	160.53	154.9	147.74	136.38	132.12
Occupancy Expenses	-	-	26.03	31.96	27.61	21.7
Selling, General & Administrative	96.18	94.55	89.82	83.29	76.2	69.15
Other Non-Interest Expense	7.7	3.92	25.88	29.38	12.14	23.05
Total Non-Interest Expense	266.7	259	296.63	292.37	252.33	246.02
EBT Excluding Unusual Items	251.45	229.95	231.78	233.54	208.17	210.17
Other Unusual Items	0.6	0.57	3.96	3.28	4.4	2.49
Pretax Income	252.05	230.52	235.74	236.82	212.57	212.66
Income Tax Expense	6.31	5.89	6.24	6.19	5.03	9.72
Earnings From Continuing Operations	245.74	224.63	229.5	230.64	207.54	202.94
Minority Interest in Earnings	-9.25	-8.31	-12.04	-12.35	-9.76	-18.71
Net Income	236.5	216.32	217.46	218.29	197.78	184.23
Net Income to Common	236.5	216.32	217.46	218.29	197.78	184.23
Net Income Growth	16.73%	-0.52%	-0.38%	10.37%	7.36%	6.60%
Basic Shares Outstanding	-	-	2	-	2	2
Diluted Shares Outstanding	-	-	2	-	2	2
Shares Change	-	-	-	-	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%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	-	47.500	47.500	47.500	42.500	42.500
Dividend Growth	-	0%	0%	11.77%	0%	6.25%
Effective Tax Rate	2.50%	2.55%	2.65%	2.61%	2.37%	4.57%