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

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