BTV Vier Länder Bank AG Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	420.35	428.49	540.13	447.44	208.15	163.6
Interest Income on Investments	45.17	48.41	48.79	41.03	42	23.82
Total Interest Income	465.52	476.9	588.92	488.47	250.15	187.42
Interest Paid on Deposits	221.57	229.08	322.76	236.56	72.15	50.34
Net Interest Income	243.95	247.82	266.16	251.91	178	137.08
Net Interest Income Growth (YoY)	-5.80%	-6.89%	5.66%	41.53%	29.85%	4.76%
Income From Trading Activities	3.26	2.37	3.17	3.23	-1.93	2.81
Gain (Loss) on Sale of Assets	8.37	8.37	3.79	-0.15	13.49	0.18
Gain (Loss) on Sale of Investments	2.98	2.98	-1.92	-5.75	0.01	1.12
Gain (Loss) on Sale of Equity Investments	84.24	79.55	93.38	91.94	29.3	57.25
Other Non-Interest Income	64.2	63.68	59.1	53.27	57.01	55.22
Total Non-Interest Income	163.05	156.96	157.51	142.53	97.87	116.57
Non-Interest Income Growth (YoY)	4.33%	-0.35%	10.51%	45.63%	-16.04%	37.27%
Revenues Before Loan Losses	407.01	404.78	423.68	394.44	275.87	253.65
Provision for Loan Losses	40.37	38.9	39.02	31.72	25.17	22.49
Revenue	366.64	365.88	384.66	362.72	250.7	231.16
Revenue Growth (YoY)	-0.56%	-4.88%	6.05%	44.69%	8.45%	37.23%
Selling, General & Administrative	282.11	280.32	268.07	239.05	220.25	186.89
Other Non-Interest Expense	-103.89	-97.47	-147.74	-105.28	-75.94	9.12
Total Non-Interest Expense	178.22	182.85	120.33	133.77	144.31	196.01
EBT Excluding Unusual Items	188.42	183.03	264.33	228.95	106.39	35.15
Other Unusual Items	0.14	0.14	0.55	0.44	-2.03	57.32
Pretax Income	188.56	183.17	264.88	229.4	104.35	92.47
Income Tax Expense	29.05	25.44	41.15	33.32	21.22	10.74
Earnings From Continuing Operations	159.51	157.73	223.73	196.07	83.13	81.73
Minority Interest in Earnings	-6.21	-4.28	-5.9	-4.63	-1.84	-1.24
Net Income	153.31	153.46	217.83	191.44	81.29	80.49
Net Income to Common	153.31	153.46	217.83	191.44	81.29	80.49
Net Income Growth	-24.95%	-29.55%	13.78%	135.50%	0.99%	49.77%
Basic Shares Outstanding	37	37	37	37	34	34
Diluted Shares Outstanding	37	37	37	37	34	34
Shares Change (YoY)	-0.18%	-0.01%	-0.01%	8.34%	1.00%	-0.03%
EPS (Basic)	4.14	4.14	5.87	5.16	2.37	2.37
EPS (Diluted)	4.14	4.14	5.87	5.16	2.37	2.37
EPS Growth	-24.80%	-29.53%	13.77%	117.70%	0%	50.00%
Dividend Per Share	0.500	0.500	0.400	0.400	0.330	0.300
Dividend Growth	25.00%	25.00%	-	21.21%	10.00%	150.00%
Effective Tax Rate	15.40%	13.89%	15.53%	14.53%	20.34%	11.61%