Erste Group 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	Sep '26 Sep 30, 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	16,021	13,693	15,353	15,045	8,623	5,109
Interest Income on Investments	58	36	39	38	29	33.2
Total Interest Income	16,079	13,729	15,392	15,083	8,652	5,142
Interest Paid on Deposits	6,021	5,990	7,549	6,873	2,569	483.8
Total Interest Expense	6,021	5,990	7,549	6,873	2,569	483.8
Net Interest Income	10,058	7,739	7,843	8,210	6,083	4,658
Net Interest Income Growth	30.56%	-1.33%	-4.47%	34.97%	30.58%	3.37%
Income From Trading Activities	505	313	519	754	-779	58.6
Gain (Loss) on Sale of Assets	22	22	16	-55	-43	-
Gain (Loss) on Sale of Investments	-2	10	-8	-139	-	-4.8
Gain (Loss) on Sale of Equity Investments	67	46	27	23	18	15.4
Other Non-Interest Income	4,474	3,562	2,789	1,566	3,251	3,010
Total Non-Interest Income	5,066	3,953	3,343	2,149	2,447	3,079
Non-Interest Income Growth	34.59%	18.25%	55.56%	-12.18%	-20.52%	16.20%
Revenues Before Loan Losses	15,124	11,692	11,186	10,359	8,530	7,737
Provision for Loan Losses	913	478	397	128	300	158.8
Revenue	14,211	11,214	10,789	10,231	8,230	7,578
Revenue Growth	29.62%	3.94%	5.45%	24.31%	8.60%	29.29%
Salaries and Employee Benefits	3,794	3,268	3,144	2,946	2,635	2,539
Occupancy Expenses	862	560	547	560	551	548
Selling, General & Administrative	2,152	1,755	1,587	1,513	1,389	1,219
Other Non-Interest Expense	573	296	462	354	393	277.2
Total Non-Interest Expense	7,413	5,928	5,830	5,386	5,020	4,591
EBT Excluding Unusual Items	6,798	5,286	4,959	4,845	3,210	2,987
Asset Writedown	-14	-14	-6	-41	-36	-52.6
Legal Settlements	129	129	44	-	54	-1.2
Pretax Income	6,913	5,401	4,997	4,795	3,223	2,933
Income Tax Expense	1,605	1,103	1,053	874	556	525.2
Earnings From Continuing Operations	5,308	4,298	3,944	3,921	2,667	2,408
Minority Interest in Earnings	-1,269	-788	-819	-923	-502	-484.8
Net Income	4,039	3,510	3,125	2,998	2,165	1,923
Preferred Dividends & Other Adjustments	159.1	138.56	132.59	99.07	100.46	147.81
Net Income to Common	3,880	3,371	2,992	2,899	2,065	1,776
Net Income Growth	27.34%	12.67%	3.22%	40.41%	16.27%	165.60%
Basic Shares Outstanding	409	409	416	426	427	426
Diluted Shares Outstanding	409	409	416	426	427	426
Shares Change	-0.08%	-1.67%	-2.38%	-0.27%	0.29%	-0.02%
EPS (Basic)	9.49	8.24	7.20	6.81	4.83	4.17
EPS (Diluted)	9.49	8.24	7.19	6.80	4.83	4.17
EPS Growth	27.52%	14.60%	5.73%	40.79%	15.95%	165.65%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.750	0.750	3.000	2.700	1.900	1.600
Dividend Growth	-75.00%	-75.00%	11.11%	42.10%	18.75%	6.67%
Effective Tax Rate	23.22%	20.42%	21.07%	18.23%	17.25%	17.90%