Addiko Bank AG Income Statement

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

Millions EUR. 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	295.6	308.8	247.3	192.9	185.5
Interest Income on Investments	0.9	2.3	29.7	2.3	2.2
Total Interest Income	296.5	311.1	277	195.2	187.7
Interest Paid on Deposits	58.1	68.3	49	18.7	18.2
Total Interest Expense	58.1	68.3	49	18.7	18.2
Net Interest Income	238.4	242.8	228	176.5	169.5
Net Interest Income Growth (YoY)	-1.81%	6.49%	29.18%	4.13%	-2.92%
Gain (Loss) on Sale of Assets	-	-	0.7	-	-1.9
Other Non-Interest Income	74.1	70.4	59.7	68.2	67.9
Total Non-Interest Income	74.1	70.4	60.4	68.2	66
Non-Interest Income Growth (YoY)	5.26%	16.56%	-11.44%	3.33%	1.07%
Revenues Before Loan Losses	312.5	313.2	288.4	244.7	235.5
Provision for Loan Losses	35.2	36	11.8	15.4	13.2
Revenue	277.3	277.2	276.6	229.3	222.3
Revenue Growth (YoY)	0.04%	0.22%	20.63%	3.15%	16.08%
Salaries and Employee Benefits	103.1	100	94.4	87.8	89.3
Occupancy Expenses	18.1	17	17.3	17.4	18
Selling, General & Administrative	74.2	72.4	66.9	62.9	62.7
Other Non-Interest Expense	8.1	7.3	10	3.8	5.3
Total Non-Interest Expense	203.5	196.7	190.2	171.9	175.3
EBT Excluding Unusual Items	73.8	80.5	86.4	57.4	47
Asset Writedown	-0.2	-0.1	-0.3	-0.8	-4.4
Legal Settlements	-13.4	-15.4	-37.4	-25.4	-16.4
Other Unusual Items	-	-3.7	-	-	-0.1
Pretax Income	60	60.4	47.4	31.2	20.8
Income Tax Expense	16	15	6.3	5.5	7.2
Net Income	44	45.4	41.1	25.7	13.6
Net Income to Common	44	45.4	41.1	25.7	13.6
Net Income Growth	-3.08%	10.46%	59.92%	88.97%	871.43%
Basic Shares Outstanding	19	19	19	19	20
Diluted Shares Outstanding	19	19	19	19	20
Shares Change (YoY)	-0.01%	-0.69%	-0.26%	-0.14%	-
EPS (Basic)	2.28	2.35	2.12	1.32	0.70
EPS (Diluted)	2.28	2.35	2.12	1.32	0.70
EPS Growth	-3.07%	11.22%	60.34%	89.23%	896.34%
Dividend Per Share	-	-	1.260	1.210	-
Dividend Growth	-	-	4.13%	-	-
Effective Tax Rate	26.67%	24.83%	13.29%	17.63%	34.62%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.