ZSE:IKBA 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	24.94	25.55	28.73	23.99	11.1	10.48
Interest Income on Investments	-	-	0.01	0.01	0.01	0.01
Total Interest Income	24.94	25.55	28.74	24	11.11	10.49
Interest Paid on Deposits	3.83	4.27	4.51	0.63	0.42	0.48
Net Interest Income	21.11	21.28	24.24	23.37	10.69	10.02
Net Interest Income Growth (YoY)	-9.81%	-12.19%	3.71%	118.56%	6.74%	3.46%
Gain (Loss) on Sale of Assets	-	-	-	0.19	0.26	0.01
Gain (Loss) on Sale of Investments	-	-	0.02	-	-	-
Other Non-Interest Income	6.65	6.58	5.96	5.17	7.52	6.08
Total Non-Interest Income	6.59	6.58	5.98	5.36	7.78	6.09
Non-Interest Income Growth (YoY)	9.60%	10.14%	11.58%	-31.19%	27.82%	-2.32%
Revenues Before Loan Losses	27.7	27.86	30.21	28.72	18.48	16.11
Provision for Loan Losses	0.71	-0.02	1.5	2.74	0.65	0.7
Revenue	26.99	27.88	28.71	25.99	17.83	15.4
Revenue Growth (YoY)	-6.46%	-2.89%	10.50%	45.73%	15.76%	1.02%
Salaries and Employee Benefits	9.26	9.26	8.45	7.26	6.31	5.7
Occupancy Expenses	0.62	0.62	0.56	0.62	0.65	0.71
Selling, General & Administrative	4.29	4.03	3.72	3.87	3.5	2.92
Other Non-Interest Expense	0.34	0.46	0.32	0.4	0.64	0.02
Total Non-Interest Expense	14.5	14.36	13.06	12.15	11.09	9.35
EBT Excluding Unusual Items	12.49	13.52	15.66	13.83	6.74	6.05
Pretax Income	12.49	13.52	15.66	13.83	6.74	6.05
Income Tax Expense	2.27	2.45	2.82	2.52	1.22	1.09
Net Income	10.22	11.07	12.83	11.32	5.51	4.95
Net Income to Common	10.22	11.07	12.83	11.32	5.51	4.95
Net Income Growth	-18.89%	-13.74%	13.38%	105.28%	11.28%	21.69%
Basic Shares Outstanding	0	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0	0
Shares Change (YoY)	-4.50%	-	-	-	-	-
EPS (Basic)	72.31	74.80	86.72	76.48	37.26	33.48
EPS (Diluted)	72.31	74.80	86.72	76.48	37.26	33.48
EPS Growth	-15.07%	-13.74%	13.38%	105.28%	11.28%	21.69%
Dividend Per Share	-	-	18.000	15.000	12.000	10.645
Dividend Growth	-	-	20.00%	25.00%	12.73%	0.46%
Effective Tax Rate	18.14%	18.13%	18.03%	18.18%	18.17%	18.09%