VIE:RBI 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	-	7,596	8,170	8,198	6,681	3,847
Interest Income on Investments	-	2,262	2,345	2,347	641	789
Total Interest Income	-	9,858	10,515	10,545	7,322	4,636
Interest Paid on Deposits	-	3,954	4,702	4,914	2,205	1,267
Net Interest Income	5,859	5,904	5,813	5,631	5,117	3,369
Net Interest Income Growth (YoY)	-0.54%	1.57%	3.23%	10.04%	51.89%	7.22%
Income From Trading Activities	202	253	111	161	663	53
Gain (Loss) on Sale of Assets	1	1	-10	1	-20	-19
Gain (Loss) on Sale of Investments	24	24	-62	9	-124	56
Gain (Loss) on Sale of Equity Investments	52	52	47	85	64	46
Other Non-Interest Income	2,921	2,890	2,747	2,965	3,953	2,106
Total Non-Interest Income	3,200	3,220	2,833	3,221	4,536	2,242
Non-Interest Income Growth (YoY)	9.36%	13.66%	-12.05%	-28.99%	102.32%	19.45%
Revenues Before Loan Losses	9,059	9,124	8,646	8,852	9,653	5,611
Provision for Loan Losses	208	141	125	391	949	295
Revenue	8,851	8,983	8,521	8,461	8,704	5,316
Revenue Growth (YoY)	2.04%	5.42%	0.71%	-2.79%	63.73%	20.24%
Salaries and Employee Benefits	2,341	2,341	2,053	2,167	2,007	1,572
Occupancy Expenses	506	506	472	465	461	407
Selling, General & Administrative	1,230	1,150	1,161	1,115	1,011	933
Other Non-Interest Expense	488	402	338	370	410	272
Total Non-Interest Expense	4,565	4,399	4,024	4,117	3,889	3,184
EBT Excluding Unusual Items	4,286	4,584	4,497	4,344	4,815	2,132
Asset Writedown	-5	-5	7	-25	-20	6
Legal Settlements	-1,910	-1,910	-1,497	-878	-510	-326
Other Unusual Items	-29	-29	-23	-27	-11	-14
Pretax Income	2,336	2,634	2,984	3,412	4,203	1,789
Income Tax Expense	959	1,013	953	958	859	368
Earnings From Continuing Operations	1,377	1,621	2,031	2,454	3,344	1,421
Earnings From Discontinued Operations	-	-	-673	124	453	86
Minority Interest in Earnings	-241	-250	-201	-192	-170	-135
Net Income	1,136	1,371	1,157	2,386	3,627	1,372
Preferred Dividends & Other Adjustments	118	118	110	109	92	92
Net Income to Common	1,018	1,253	1,047	2,277	3,535	1,280
Net Income Growth	-5.17%	18.50%	-51.51%	-34.22%	164.36%	70.65%
Basic Shares Outstanding	328	328	328	328	329	329
Diluted Shares Outstanding	328	328	328	328	329	329
Shares Change (YoY)	0.07%	-	-	-0.30%	-	-
EPS (Basic)	3.10	3.82	3.19	6.94	10.74	3.89
EPS (Diluted)	3.10	3.82	3.19	6.94	10.74	3.89
EPS Growth	-6.42%	19.68%	-54.02%	-35.39%	176.17%	75.58%
Dividend Per Share	1.600	1.600	1.100	1.250	0.800	-
Dividend Growth	45.45%	45.45%	-12.00%	56.25%	-	-
Effective Tax Rate	41.05%	38.46%	31.94%	28.08%	20.44%	20.57%

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