Addiko Bank AG Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	291.9	295.6	308.8	247.3	192.9	185.5
Interest Income on Investments	0.9	0.9	2.3	29.7	2.3	2.2
Total Interest Income	292.8	296.5	311.1	277	195.2	187.7
Interest Paid on Deposits	54.1	58.1	68.3	49	18.7	18.2
Total Interest Expense	54.1	58.1	68.3	49	18.7	18.2
Net Interest Income	238.7	238.4	242.8	228	176.5	169.5
Net Interest Income Growth (YoY)	-1.24%	-1.81%	6.49%	29.18%	4.13%	-2.92%
Gain (Loss) on Sale of Assets	-	-	-	0.7	-	-1.9
Other Non-Interest Income	71.5	74.1	70.4	59.7	68.2	67.9
Total Non-Interest Income	71.5	74.1	70.4	60.4	68.2	66
Non-Interest Income Growth (YoY)	2.14%	5.26%	16.56%	-11.44%	3.33%	1.07%
Revenues Before Loan Losses	310.2	312.5	313.2	288.4	244.7	235.5
Provision for Loan Losses	36.8	35.2	36	11.8	15.4	13.2
Revenue	273.4	277.3	277.2	276.6	229.3	222.3
Revenue Growth (YoY)	-1.65%	0.04%	0.22%	20.63%	3.15%	16.08%
Salaries and Employee Benefits	105.1	103.1	100	94.4	87.8	89.3
Occupancy Expenses	18.3	18.1	17	17.3	17.4	18
Selling, General & Administrative	75.1	74.2	72.4	66.9	62.9	62.7
Other Non-Interest Expense	7.3	8.1	7.3	10	3.8	5.3
Total Non-Interest Expense	205.8	203.5	196.7	190.2	171.9	175.3
EBT Excluding Unusual Items	67.6	73.8	80.5	86.4	57.4	47
Asset Writedown	-0.2	-0.2	-0.1	-0.3	-0.8	-4.4
Legal Settlements	-13.4	-13.4	-15.4	-37.4	-25.4	-16.4
Other Unusual Items	-	-	-3.7	-	-	-0.1
Pretax Income	53.8	60	60.4	47.4	31.2	20.8
Income Tax Expense	14.2	16	15	6.3	5.5	7.2
Net Income	39.6	44	45.4	41.1	25.7	13.6
Net Income to Common	39.6	44	45.4	41.1	25.7	13.6
Net Income Growth	-10.61%	-3.08%	10.46%	59.92%	88.97%	871.43%
Basic Shares Outstanding	19	19	19	19	19	20
Diluted Shares Outstanding	19	19	19	19	19	20
Shares Change (YoY)	-	-0.01%	-0.69%	-0.26%	-0.14%	-
EPS (Basic)	2.05	2.28	2.35	2.12	1.32	0.70
EPS (Diluted)	2.05	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	26.39%	26.67%	24.83%	13.29%	17.63%	34.62%

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