BAWAG Group 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	3,356	3,097	2,565	1,309	1,128
Interest Income on Investments	4.1	3.8	2.4	16	17.7
Total Interest Income	3,360	3,101	2,568	1,325	1,146
Interest Paid on Deposits	1,524	1,789	1,315	304.3	207.4
Net Interest Income	1,837	1,312	1,253	1,021	938.3
Net Interest Income Growth (YoY)	40.00%	4.71%	22.69%	8.82%	2.50%
Gain (Loss) on Sale of Assets	-0.8	-6.6	-2.9	-4.7	-28
Gain (Loss) on Sale of Investments	11.5	-23.9	-16.6	-13.2	11.3
Other Non-Interest Income	399.6	314.5	260.4	281.7	177.7
Total Non-Interest Income	410.3	284	240.9	263.8	161
Non-Interest Income Growth (YoY)	44.47%	17.89%	-8.68%	63.85%	-19.58%
Revenues Before Loan Losses	2,247	1,596	1,494	1,285	1,099
Provision for Loan Losses	227.5	81.8	92.7	376.3	89
Revenue	2,019	1,514	1,401	908.6	1,010
Revenue Growth (YoY)	33.38%	8.07%	54.19%	-10.07%	11.88%
Salaries and Employee Benefits	18.2	4.6	7.4	6.2	1.4
Occupancy Expenses	71.6	66.7	64.5	62.8	68.5
Selling, General & Administrative	736.6	479.6	418.4	410	420.2
Other Non-Interest Expense	-	-	-	-	0.1
Total Non-Interest Expense	819.8	546.6	487.8	476.3	486.4
EBT Excluding Unusual Items	1,200	967.4	913.2	432.3	523.9
Asset Writedown	-3.2	-1.1	-2.9	-5.5	-9.3
Legal Settlements	-23	-20	-	-	-
Other Unusual Items	18.4	73.7	-	-	116
Pretax Income	1,157	989.9	910.3	426.8	600.4
Income Tax Expense	295.2	229.9	227.8	108.2	120.4
Earnings From Continuing Operations	861.9	760	682.5	318.6	480
Minority Interest in Earnings	-2	-	-	-0.3	-0.1
Net Income	859.9	760	682.5	318.3	479.9
Preferred Dividends & Other Adjustments	46.2	22	24	24	24.5
Net Income to Common	813.7	738	658.5	294.3	455.4
Net Income Growth	13.15%	11.36%	114.42%	-33.67%	68.27%
Basic Shares Outstanding	78	79	82	87	89
Diluted Shares Outstanding	79	79	82	88	89
Shares Change (YoY)	-0.01%	-3.62%	-6.15%	-1.77%	-0.05%
EPS (Basic)	10.45	9.40	8.05	3.37	5.13
EPS (Diluted)	10.28	9.32	8.02	3.36	5.11
EPS Growth	10.30%	16.21%	138.69%	-34.25%	68.65%
Dividend Per Share	6.250	5.500	5.000	3.700	3.000
Dividend Growth	13.64%	10.00%	35.13%	23.33%	-41.97%
Effective Tax Rate	25.51%	23.22%	25.02%	25.35%	20.05%

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