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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	478.74	540.13	447.44	208.15	163.6	152.39
Interest Income on Investments	47.38	48.79	41.03	42	23.82	19.38
Total Interest Income	526.12	588.92	488.47	250.15	187.42	171.76
Interest Paid on Deposits	270.86	322.76	236.56	72.15	50.34	40.91
Net Interest Income	255.26	266.16	251.91	178	137.08	130.85
Net Interest Income Growth (YoY)	-4.43%	5.66%	41.53%	29.85%	4.76%	-6.46%
Income From Trading Activities	1.68	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	-2.88	-1.92	-5.75	0.01	1.12	-0.59
Gain (Loss) on Sale of Equity Investments	91.85	93.38	91.94	29.3	57.25	30.17
Other Non-Interest Income	63.66	59.1	53.27	57.01	55.22	54.82
Total Non-Interest Income	158.09	157.51	142.53	97.87	116.57	84.92
Non-Interest Income Growth (YoY)	21.32%	10.51%	45.63%	-16.04%	37.27%	-24.89%
Revenues Before Loan Losses	413.35	423.68	394.44	275.87	253.65	215.77
Provision for Loan Losses	57.13	39.02	31.72	25.17	22.49	47.32
Revenue	356.22	384.66	362.72	250.7	231.16	168.45
Revenue Growth (YoY)	-4.75%	6.05%	44.69%	8.45%	37.23%	-33.16%
Selling, General & Administrative	279.8	268.07	239.05	220.25	186.89	188.96
Other Non-Interest Expense	-123.91	-147.74	-105.28	-75.94	9.12	-72.39
Total Non-Interest Expense	155.89	120.33	133.77	144.31	196.01	116.57
EBT Excluding Unusual Items	200.33	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	200.78	264.88	229.4	104.35	92.47	54.1
Income Tax Expense	30.13	41.15	33.32	21.22	10.74	1.09
Earnings From Continuing Operations	170.65	223.73	196.07	83.13	81.73	53.01
Minority Interest in Earnings	-5.64	-5.9	-4.63	-1.84	-1.24	0.73
Net Income	165.01	217.83	191.44	81.29	80.49	53.74
Net Income to Common	165.01	217.83	191.44	81.29	80.49	53.74
Net Income Growth	-22.34%	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)	4.45	5.87	5.16	2.37	2.37	1.58
EPS (Diluted)	4.44	5.87	5.16	2.37	2.37	1.58
EPS Growth	-22.46%	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	15.00%	15.53%	14.53%	20.34%	11.61%	2.01%

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