Bank für Tirol und Vorarlberg AG (VIE:BTS)

VIE:BTS Income Statement

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

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

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