Erste Group Bank AG (VIE:EBS)

Erste Group Bank AG Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	13,693	15,353	15,045	8,623	5,109
Interest Income on Investments	36	39	38	29	33.2
Total Interest Income	13,729	15,392	15,083	8,652	5,142
Interest Paid on Deposits	5,990	7,549	6,873	2,569	483.8
Total Interest Expense	5,990	7,549	6,873	2,569	483.8
Net Interest Income	7,739	7,843	8,210	6,083	4,658
Net Interest Income Growth (YoY)	-1.33%	-4.47%	34.97%	30.58%	3.37%
Income From Trading Activities	313	519	754	-779	58.6
Gain (Loss) on Sale of Assets	-	8	-194	-43	-
Gain (Loss) on Sale of Investments	-	-	-	-	-4.8
Gain (Loss) on Sale of Equity Investments	46	27	23	18	15.4
Other Non-Interest Income	3,562	2,789	1,566	3,251	3,010
Total Non-Interest Income	3,921	3,343	2,149	2,447	3,079
Non-Interest Income Growth (YoY)	17.29%	55.56%	-12.18%	-20.52%	16.20%
Revenues Before Loan Losses	11,660	11,186	10,359	8,530	7,737
Provision for Loan Losses	478	397	128	300	158.8
Revenue	11,182	10,789	10,231	8,230	7,578
Revenue Growth (YoY)	3.64%	5.45%	24.31%	8.60%	29.29%
Salaries and Employee Benefits	3,335	3,144	2,946	2,635	2,539
Occupancy Expenses	560	547	560	551	548
Selling, General & Administrative	1,688	1,587	1,513	1,389	1,219
Other Non-Interest Expense	149	418	354	393	277.2
Total Non-Interest Expense	5,781	5,786	5,386	5,020	4,591
EBT Excluding Unusual Items	5,401	5,003	4,845	3,210	2,987
Asset Writedown	-	-6	-41	-36	-52.6
Legal Settlements	-	-	-	54	-1.2
Pretax Income	5,401	4,997	4,795	3,223	2,933
Income Tax Expense	1,103	1,053	874	556	525.2
Earnings From Continuing Operations	4,298	3,944	3,921	2,667	2,408
Minority Interest in Earnings	-788	-819	-923	-502	-484.8
Net Income	3,510	3,125	2,998	2,165	1,923
Preferred Dividends & Other Adjustments	-	132.59	99.07	100.46	147.81
Net Income to Common	3,510	2,992	2,899	2,065	1,776
Net Income Growth	12.32%	4.24%	38.48%	12.56%	145.61%
Basic Shares Outstanding	388	416	426	427	426
Diluted Shares Outstanding	388	416	426	427	426
Shares Change (YoY)	-6.69%	-2.38%	-0.27%	0.29%	-0.02%
EPS (Basic)	9.04	7.20	6.81	4.83	4.17
EPS (Diluted)	9.04	7.19	6.80	4.83	4.17
EPS Growth	25.70%	5.73%	40.79%	15.95%	165.65%
Dividend Per Share	0.750	3.000	2.700	1.900	1.600
Dividend Growth	-75.00%	11.11%	42.10%	18.75%	6.67%
Effective Tax Rate	20.42%	21.07%	18.23%	17.25%	17.90%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.