Oberbank 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	Jun '26 Jun 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	1,025	1,026	1,221	1,103	519.17	368.1
Interest Income on Investments	31.19	37.97	35.04	21.83	21.74	21.19
Total Interest Income	1,056	1,064	1,256	1,125	540.91	389.29
Interest Paid on Deposits	436.82	443.22	599.66	528.41	134.85	43.23
Net Interest Income	619.62	621.21	656.31	596.84	406.06	346.06
Net Interest Income Growth	-3.24%	-5.35%	9.96%	46.98%	17.34%	2.71%
Income From Trading Activities	7.85	7.13	8.46	5.8	6.1	7.76
Gain (Loss) on Sale of Assets	-1.23	-	-	-	-	-
Gain (Loss) on Sale of Investments	25.56	28.52	10.05	9.56	-35.93	4.22
Gain (Loss) on Sale of Equity Investments	79.96	62.05	82	125.41	90.65	100.13
Other Non-Interest Income	240.4	231.78	205.9	196.06	206.86	191.95
Total Non-Interest Income	352.55	329.48	306.41	336.83	267.69	304.07
Non-Interest Income Growth	16.55%	7.53%	-9.03%	25.83%	-11.97%	74.78%
Revenues Before Loan Losses	972.17	950.7	962.72	933.67	673.75	650.13
Provision for Loan Losses	61.2	59.05	68.72	83.56	41.48	35.71
Revenue	910.96	891.64	894.01	850.11	632.26	614.42
Revenue Growth	4.00%	-0.26%	5.16%	34.46%	2.90%	30.99%
Selling, General & Administrative	412.66	410.27	410.22	377.7	329.66	327.61
Other Non-Interest Expense	4.32	4.32	6.97	-5.29	7.34	4.92
Total Non-Interest Expense	416.98	414.59	417.19	372.41	337	332.53
EBT Excluding Unusual Items	493.99	477.06	476.81	477.7	295.26	281.89
Pretax Income	493.99	477.06	476.81	477.7	295.26	281.89
Income Tax Expense	102.18	105.03	97.97	95.1	51.97	47.24
Earnings From Continuing Operations	391.81	372.03	378.84	382.6	243.29	234.65
Minority Interest in Earnings	-0.87	-1.02	-0.79	-1.34	-1.13	-1.2
Net Income	390.94	371.01	378.05	381.27	242.15	233.45
Net Income to Common	390.94	371.01	378.05	381.27	242.15	233.45
Net Income Growth	9.76%	-1.86%	-0.84%	57.45%	3.73%	90.74%
Basic Shares Outstanding	71	71	71	71	71	70
Diluted Shares Outstanding	71	71	71	71	71	70
Shares Change	0.04%	-0.00%	0.00%	0.01%	0.15%	-0.20%
EPS (Basic)	5.54	5.26	5.36	5.40	3.43	3.31
EPS (Diluted)	5.54	5.26	5.36	5.40	3.43	3.31
EPS Growth	9.71%	-1.86%	-0.84%	57.43%	3.57%	91.12%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	1.350	1.350	1.150	1.000	0.730	0.500
Dividend Growth	17.39%	17.39%	15.00%	36.99%	46.00%	33.33%
Effective Tax Rate	20.69%	22.02%	20.55%	19.91%	17.60%	16.76%