APS Bank plc (MSE:APS)

APS Bank 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	111.81	107.68	98.66	73.5	63.25	56.46
Interest Income on Investments	7.29	7.18	7.02	6.49	6.2	6.01
Total Interest Income	119.1	114.86	105.68	79.99	69.45	62.47
Interest Paid on Deposits	50.82	49.23	32.1	14.77	13.77	13.43
Net Interest Income	68.28	65.63	73.59	65.22	55.67	49.04
Net Interest Income Growth (YoY)	-2.04%	-10.81%	12.82%	17.15%	13.54%	9.36%
Gain (Loss) on Sale of Investments	-	0.6	-	0.98	0.57	-
Other Non-Interest Income	12.05	11.84	11.88	-1.45	8.01	6.11
Total Non-Interest Income	12.05	12.43	11.88	-0.46	8.58	6.11
Non-Interest Income Growth (YoY)	1.22%	4.66%	-	-	40.51%	-48.42%
Revenues Before Loan Losses	80.33	78.06	85.47	64.76	64.26	55.14
Provision for Loan Losses	1.36	2.96	3.5	-0.25	-1.49	5.54
Revenue	78.97	75.11	81.97	65.02	65.75	49.61
Revenue Growth (YoY)	3.98%	-8.37%	26.07%	-1.11%	32.54%	-10.79%
Salaries and Employee Benefits	31.13	29.45	28.43	25.95	21.85	17.17
Occupancy Expenses	2.7	2.74	2.49	2.53	2.17	2.38
Amortization of Goodwill & Intangibles	3.04	2.78	3.02	2.26	1.91	1.65
Selling, General & Administrative	24.66	21.97	18.7	16.29	14.67	12.35
Total Non-Interest Expense	60.96	56.13	51.73	49.24	40.56	33.81
EBT Excluding Unusual Items	18.01	18.98	30.24	15.77	25.18	15.8
Asset Writedown	4.79	4.79	-	-0.11	-1.12	-
Pretax Income	22.8	23.76	30.24	15.66	24.07	15.8
Income Tax Expense	6.69	5.58	9.67	9.89	8.97	5.71
Earnings From Continuing Operations	16.11	18.18	20.57	5.77	15.1	10.09
Minority Interest in Earnings	-0.47	-0.58	-0.78	2.24	-0.46	-0.24
Net Income	15.64	17.6	19.8	8	14.64	9.85
Net Income to Common	15.64	17.6	19.8	8	14.64	9.85
Net Income Growth	-1.14%	-11.11%	147.40%	-45.33%	48.56%	-48.46%
Basic Shares Outstanding	380	380	380	325	255	254
Diluted Shares Outstanding	381	381	381	326	255	254
Shares Change (YoY)	-0.33%	-	17.02%	27.57%	0.46%	400.00%
EPS (Basic)	0.04	0.05	0.05	0.02	0.06	0.04
EPS (Diluted)	0.04	0.05	0.05	0.02	0.06	0.04
EPS Growth	-1.30%	-11.54%	111.11%	-57.06%	47.89%	-89.69%
Dividend Per Share	0.033	0.034	0.031	0.027	0.018	0.015
Dividend Growth	9.01%	10.03%	15.67%	48.07%	24.83%	-63.20%
Effective Tax Rate	29.35%	23.49%	31.97%	63.17%	37.26%	36.13%

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