Agram banka d.d. Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	22.96	23.91	18.77	14.86	14.77
Interest Paid on Deposits	6.76	6.69	2.5	1.56	2.18
Net Interest Income	16.21	17.22	16.28	13.29	12.59
Net Interest Income Growth (YoY)	-5.87%	5.78%	22.47%	5.56%	0.60%
Gain (Loss) on Sale of Assets	0.6	0.41	0.55	0.5	0.06
Gain (Loss) on Sale of Investments	1.29	0.45	-0	-0.09	-0.02
Other Non-Interest Income	5.6	5.85	4.96	5.69	5.23
Total Non-Interest Income	7.49	6.71	5.51	6.11	5.27
Non-Interest Income Growth (YoY)	11.64%	21.79%	-9.85%	15.93%	-11.66%
Revenues Before Loan Losses	23.7	23.93	21.79	19.4	17.86
Provision for Loan Losses	1.42	1	-0.71	0.85	0.55
Revenue	22.27	22.92	22.5	18.55	17.31
Revenue Growth (YoY)	-2.83%	1.90%	21.25%	7.17%	11.12%
Salaries and Employee Benefits	4.65	4.15	3.78	3.5	3.32
Occupancy Expenses	1.15	1.16	1.14	1.11	1.09
Selling, General & Administrative	0.29	0.19	0.25	0.17	0.12
Other Non-Interest Expense	7.65	6.82	7.31	6.37	6.1
Total Non-Interest Expense	13.73	12.32	12.48	11.15	10.63
EBT Excluding Unusual Items	8.54	10.61	10.01	7.41	6.68
Pretax Income	8.54	10.61	10.01	7.41	6.68
Income Tax Expense	1.48	1.84	1.83	1.38	1.21
Net Income	7.07	8.77	8.19	6.03	5.48
Net Income to Common	7.07	8.77	8.19	6.03	5.48
Net Income Growth	-19.41%	7.08%	35.86%	10.06%	46.28%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	-	-	0.01%	-0.01%	-
EPS (Basic)	3.65	4.52	4.22	3.11	2.83
EPS (Diluted)	3.65	4.52	4.22	3.11	2.83
EPS Growth	-19.41%	7.08%	35.85%	10.07%	46.28%
Dividend Per Share	-	2.150	2.000	-	1.410
Dividend Growth	-	7.50%	-	-	-
Effective Tax Rate	17.29%	17.34%	18.23%	18.66%	18.09%