Bank für Tirol und Vorarlberg AG (VIE: BTS)

VIE: BTS Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	530.63	447.44	208.15	163.6	152.39	162.8
Interest Income on Investments	52.92	41.03	42	23.82	19.38	21.95
Total Interest Income	583.55	488.47	250.15	187.42	171.76	184.74
Interest Paid on Deposits	314.61	236.56	72.15	50.34	40.91	44.85
Net Interest Income	268.95	251.91	178	137.08	130.85	139.89
Net Interest Income Growth (YoY)	7.67%	41.53%	29.85%	4.76%	-6.46%	13.74%
Income From Trading Activities	2.38	3.23	-1.93	2.81	1	3.74
Gain (Loss) on Sale of Assets	-0.15	-0.15	13.49	0.18	-0.48	0.29
Gain (Loss) on Sale of Investments	-2.85	-5.75	0.01	1.12	-0.59	5.22
Gain (Loss) on Sale of Equity Investments	92.43	91.94	29.3	57.25	30.17	53.02
Other Non-Interest Income	53.81	53.27	57.01	55.22	54.82	50.79
Total Non-Interest Income	145.61	142.53	97.87	116.57	84.92	113.06
Non-Interest Income Growth (YoY)	4.22%	45.63%	-16.04%	37.27%	-24.89%	-4.17%
Revenues Before Loan Losses	414.56	394.44	275.87	253.65	215.77	252.95
Provision for Loan Losses	21.02	31.72	25.17	22.49	47.32	0.91
Revenue	393.54	362.72	250.7	231.16	168.45	252.04
Revenue Growth (YoY)	11.14%	44.69%	8.45%	37.23%	-33.16%	2.71%
Selling, General & Administrative	269.59	239.05	220.25	186.89	188.96	191.1
Other Non-Interest Expense	-137.18	-109.62	-75.94	9.12	-72.39	-83.51
Total Non-Interest Expense	132.41	129.43	144.31	196.01	116.57	107.59
EBT Excluding Unusual Items	261.13	233.3	106.39	35.15	51.89	144.45
Other Unusual Items	-3.56	-3.9	-2.03	57.32	2.22	-
Pretax Income	257.58	229.4	104.35	92.47	54.1	144.45
Income Tax Expense	36.42	33.32	21.22	10.74	1.09	17.76
Earnings From Continuing Operations	221.15	196.07	83.13	81.73	53.01	126.7
Minority Interest in Earnings	-5.79	-4.63	-1.84	-1.24	0.73	-2.76
Net Income	215.36	191.44	81.29	80.49	53.74	123.93
Net Income to Common	215.36	191.44	81.29	80.49	53.74	123.93
Net Income Growth	37.33%	135.50%	0.99%	49.77%	-56.63%	19.19%
Basic Shares Outstanding	37	37	34	34	34	34
Diluted Shares Outstanding	37	37	34	34	34	34
Shares Change (YoY)	1.46%	8.34%	1.00%	-0.03%	-0.04%	8.15%
EPS (Basic)	5.80	5.16	2.37	2.37	1.58	3.65
EPS (Diluted)	5.80	5.16	2.37	2.37	1.58	3.65
EPS Growth	35.61%	117.70%	-0.00%	50.00%	-56.71%	10.27%
Dividend Per Share	0.400	0.400	0.330	0.300	0.120	0.120
Dividend Growth	21.21%	21.21%	10.00%	150.00%	0%	-60.00%
Effective Tax Rate	14.14%	14.53%	20.34%	11.61%	2.01%	12.29%

Source: S&P Capital IQ. Banks template. Financial Sources.