Eurobank Ergasias Services and Holdings S.A. (ATH:EUROB)

ATH:EUROB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	5,106	5,096	4,454	2,226	1,842	1,955
Interest Income on Investments	59	-	-	-	-	-
Total Interest Income	5,165	5,096	4,454	2,226	1,842	1,955
Interest Paid on Deposits	2,578	2,589	2,280	746	521	606
Net Interest Income	2,645	2,507	2,174	1,480	1,321	1,349
Net Interest Income Growth (YoY)	16.88%	15.32%	46.89%	12.04%	-2.08%	-2.03%
Income From Trading Activities	30	94	71	725	-8	3
Gain (Loss) on Sale of Assets	-	-	-	291	-2	230
Gain (Loss) on Sale of Investments	157	100	172	-29	97	421
Other Non-Interest Income	634	622	501	526	462	384
Total Non-Interest Income	821	816	744	1,513	549	1,038
Non-Interest Income Growth (YoY)	7.32%	9.68%	-50.83%	175.59%	-47.11%	148.74%
Revenues Before Loan Losses	3,466	3,323	2,918	2,993	1,870	2,387
Provision for Loan Losses	338	303	412	276	490	2,081
Revenue	3,128	3,020	2,506	2,717	1,380	306
Revenue Growth (YoY)	18.67%	20.51%	-7.77%	96.88%	350.98%	-73.85%
Salaries and Employee Benefits	678	588	473	417.06	433.48	442
Occupancy Expenses	92	84	79	80	78	76
Federal Deposit Insurance	12	11	33	69	75	78
Amortization of Goodwill & Intangibles	58	51	41	37	36	33
Selling, General & Administrative	389	338	275	252	253	240
Other Non-Interest Expense	25	35	48	45	31	20
Total Non-Interest Expense	1,168	967	910	882	898	882
EBT Excluding Unusual Items	1,960	2,053	1,596	1,835	482	-576
Asset Writedown	-	-2	-11	11	32	3
Other Unusual Items	-	-	-	-	-	1
Pretax Income	1,889	1,877	1,548	1,757	489	-879
Income Tax Expense	412	366	267	412	162	336
Earnings From Continuing Operations	1,477	1,511	1,281	1,345	327	-1,215
Earnings From Discontinued Operations	-3	-7	-153	2	-	-
Minority Interest in Earnings	-56	-56	12	-	1	-
Net Income	1,418	1,448	1,140	1,347	328	-1,215
Net Income to Common	1,418	1,448	1,140	1,347	328	-1,215
Net Income Growth	20.48%	27.02%	-15.37%	310.67%	-	-
Basic Shares Outstanding	3,670	3,665	3,699	3,709	3,708	3,708
Diluted Shares Outstanding	3,687	3,683	3,714	3,715	3,709	3,708
Shares Change (YoY)	-0.17%	-0.83%	-0.02%	0.15%	0.04%	11.86%
EPS (Basic)	0.39	0.40	0.31	0.36	0.09	-0.33
EPS (Diluted)	0.39	0.40	0.30	0.36	0.09	-0.33
EPS Growth	23.16%	32.22%	-17.12%	307.59%	-	-
Dividend Per Share	0.105	0.105	0.093	-	-	-
Dividend Growth	12.50%	12.50%	-	-	-	-
Effective Tax Rate	21.81%	19.50%	17.25%	23.45%	33.13%	-

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