VP Bank AG (SWX:VPBN)

VP Bank AG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	219.91	262.45	268.86	132.9	110.98	122.09
Interest Income on Investments	46.19	43.89	47.2	30.32	12.82	17.05
Total Interest Income	266.09	306.33	316.06	163.21	123.8	139.14
Interest Paid on Deposits	166.53	204.07	182.42	41.72	13.81	25.57
Net Interest Income	99.56	102.26	133.64	121.49	109.99	113.57
Net Interest Income Growth (YoY)	-27.58%	-23.48%	10.00%	10.46%	-3.15%	-1.33%
Income From Trading Activities	85.67	81.36	85.25	65.51	50.01	56.63
Gain (Loss) on Sale of Equity Investments	-0	-0	-0	-	-0	-0
Other Non-Interest Income	158.02	146.92	143.14	149.36	169.87	148.85
Total Non-Interest Income	243.68	228.28	228.39	214.87	219.88	205.48
Non-Interest Income Growth (YoY)	21.05%	-0.05%	6.29%	-2.28%	7.00%	-3.38%
Revenues Before Loan Losses	343.24	330.53	362.03	336.36	329.87	319.05
Provision for Loan Losses	0.18	0.72	4.95	-2.42	-1.65	19.36
Revenue	343.06	329.81	357.08	338.78	331.52	299.69
Revenue Growth (YoY)	1.41%	-7.64%	5.40%	2.19%	10.62%	-10.42%
Salaries and Employee Benefits	177.29	177.11	174.45	171.75	172.3	159.59
Occupancy Expenses	29.48	33.17	45.91	39.96	36.38	28.76
Selling, General & Administrative	83.86	85.62	85.04	77.78	62.89	59.29
Other Non-Interest Expense	1.97	1.75	2.73	2.1	1.89	1.82
Total Non-Interest Expense	292.6	297.65	308.13	291.58	273.46	249.46
EBT Excluding Unusual Items	50.47	32.16	48.95	47.2	58.06	50.23
Asset Writedown	-1.89	-1.89	-	-1.01	-	-
Legal Settlements	-0.31	-0.7	-0.45	-1	-	0.52
Other Unusual Items	-0	-0	2.4	-	-	-
Pretax Income	40.96	22.27	50.9	45.19	57.76	49.54
Income Tax Expense	5.2	3.8	6.69	5.03	7.12	7.92
Net Income	35.75	18.47	44.21	40.16	50.64	41.62
Net Income to Common	35.75	18.47	44.21	40.16	50.64	41.62
Net Income Growth	18.20%	-58.22%	10.08%	-20.69%	21.66%	-43.41%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.74%	0.63%	0.57%	0.64%	0.65%	0.04%
EPS (Basic)	5.76	2.98	7.19	6.57	8.33	6.90
EPS (Diluted)	5.73	2.97	7.16	6.54	8.30	6.87
EPS Growth	17.33%	-58.48%	9.46%	-21.20%	20.88%	-43.43%
Dividend Per Share	4.000	4.000	5.000	5.000	5.000	4.000
Dividend Growth	-20.00%	-20.00%	-	-	25.00%	-27.27%
Effective Tax Rate	12.70%	17.05%	13.15%	11.13%	12.32%	15.99%

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