VP Bank AG 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	181.94	262.45	268.86	132.9	110.98
Interest Income on Investments	95.21	94.38	47.2	30.32	12.82
Total Interest Income	277.15	356.83	316.06	163.21	123.8
Interest Paid on Deposits	132.62	204.07	182.42	41.72	13.81
Net Interest Income	144.53	152.76	133.64	121.49	109.99
Net Interest Income Growth (YoY)	-5.38%	14.31%	10.00%	10.46%	-3.15%
Income From Trading Activities	34.93	30.86	85.25	65.51	50.01
Gain (Loss) on Sale of Equity Investments	0.33	-0	-0	-	-0
Other Non-Interest Income	157.53	146.92	143.14	149.36	169.87
Total Non-Interest Income	192.79	177.78	228.39	214.87	219.88
Non-Interest Income Growth (YoY)	8.44%	-22.16%	6.29%	-2.28%	7.00%
Revenues Before Loan Losses	337.32	330.53	362.03	336.36	329.87
Provision for Loan Losses	-0.17	0.72	4.95	-2.42	-1.65
Revenue	337.48	329.81	357.08	338.78	331.52
Revenue Growth (YoY)	2.33%	-7.64%	5.40%	2.19%	10.62%
Salaries and Employee Benefits	171.28	173.21	174.45	171.75	172.3
Occupancy Expenses	29.18	33.17	45.91	39.96	36.38
Selling, General & Administrative	78.53	85.62	85.04	77.78	62.89
Other Non-Interest Expense	1.7	1.75	2.73	2.1	1.89
Total Non-Interest Expense	280.68	293.75	308.13	291.58	273.46
EBT Excluding Unusual Items	56.81	36.06	48.95	47.2	58.06
Asset Writedown	-	-1.89	-	-1.01	-
Legal Settlements	-0.3	-0.7	-0.45	-1	-
Other Unusual Items	-	-3.9	2.4	-	-
Pretax Income	56.51	22.27	50.9	45.19	57.76
Income Tax Expense	9.49	3.8	6.69	5.03	7.12
Net Income	47.02	18.47	44.21	40.16	50.64
Net Income to Common	47.02	18.47	44.21	40.16	50.64
Net Income Growth	154.56%	-58.22%	10.08%	-20.69%	21.66%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	0.74%	0.63%	0.57%	0.64%	0.65%
EPS (Basic)	7.55	2.98	7.19	6.57	8.33
EPS (Diluted)	7.51	2.97	7.16	6.54	8.30
EPS Growth	152.68%	-58.48%	9.46%	-21.20%	20.88%
Dividend Per Share	4.000	4.000	5.000	5.000	5.000
Dividend Growth	-	-20.00%	-	-	25.00%
Effective Tax Rate	16.79%	17.05%	13.15%	11.13%	12.32%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.