BTV Vier Länder Bank AG (VIE:BTS)

BTV Vier Länder Bank AG Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	446.35	540.13	447.44	208.15	163.6	152.39
Interest Income on Investments	43.61	48.79	41.03	42	23.82	19.38
Total Interest Income	489.95	588.92	488.47	250.15	187.42	171.76
Interest Paid on Deposits	243.15	322.76	236.56	72.15	50.34	40.91
Net Interest Income	246.8	266.16	251.91	178	137.08	130.85
Net Interest Income Growth (YoY)	-8.23%	5.66%	41.53%	29.85%	4.76%	-6.46%
Income From Trading Activities	4.61	3.17	3.23	-1.93	2.81	1
Gain (Loss) on Sale of Assets	3.79	3.79	-0.15	13.49	0.18	-0.48
Gain (Loss) on Sale of Investments	-4.84	-1.92	-5.75	0.01	1.12	-0.59
Gain (Loss) on Sale of Equity Investments	86.18	93.38	91.94	29.3	57.25	30.17
Other Non-Interest Income	64.69	59.1	53.27	57.01	55.22	54.82
Total Non-Interest Income	154.43	157.51	142.53	97.87	116.57	84.92
Non-Interest Income Growth (YoY)	6.06%	10.51%	45.63%	-16.04%	37.27%	-24.89%
Revenues Before Loan Losses	401.24	423.68	394.44	275.87	253.65	215.77
Provision for Loan Losses	55.17	39.02	31.72	25.17	22.49	47.32
Revenue	346.07	384.66	362.72	250.7	231.16	168.45
Revenue Growth (YoY)	-12.06%	6.05%	44.69%	8.45%	37.23%	-33.16%
Selling, General & Administrative	272.01	268.07	239.05	220.25	186.89	188.96
Other Non-Interest Expense	-118.88	-147.74	-105.28	-75.94	9.12	-72.39
Total Non-Interest Expense	153.14	120.33	133.77	144.31	196.01	116.57
EBT Excluding Unusual Items	192.93	264.33	228.95	106.39	35.15	51.89
Other Unusual Items	0.45	0.55	0.44	-2.03	57.32	2.22
Pretax Income	193.38	264.88	229.4	104.35	92.47	54.1
Income Tax Expense	23.74	41.15	33.32	21.22	10.74	1.09
Earnings From Continuing Operations	169.64	223.73	196.07	83.13	81.73	53.01
Minority Interest in Earnings	-5.69	-5.9	-4.63	-1.84	-1.24	0.73
Net Income	163.95	217.83	191.44	81.29	80.49	53.74
Net Income to Common	163.95	217.83	191.44	81.29	80.49	53.74
Net Income Growth	-23.87%	13.78%	135.50%	0.99%	49.77%	-56.63%
Basic Shares Outstanding	37	37	37	34	34	34
Diluted Shares Outstanding	37	37	37	34	34	34
Shares Change (YoY)	-0.01%	-0.01%	8.34%	1.00%	-0.03%	-0.04%
EPS (Basic)	4.42	5.87	5.16	2.37	2.37	1.58
EPS (Diluted)	4.42	5.87	5.16	2.37	2.37	1.58
EPS Growth	-23.86%	13.77%	117.70%	0%	50.00%	-56.71%
Dividend Per Share	0.400	0.400	0.400	0.330	0.300	0.120
Dividend Growth	-	-	21.21%	10.00%	150.00%	-
Effective Tax Rate	12.28%	15.53%	14.53%	20.34%	11.61%	2.01%

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