| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | YoY | Trend | |
|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||
| Total Income / Revenue | €4.2B | €4.4B | €4.5B | €3.6B | €6.1B | €4.3B | -5.6% | |
| Interest Income | €4.5B | €5.8B | €5.4B | €2.8B | €2.4B | €2.3B | -22.4% | |
| Fee & Commission Income | €763.0M | €729.0M | €673.0M | €579.0M | €448.0M | €428.0M | +4.7% | |
| Other Operating Income | — | — | €44.0M | €176.0M | €153.0M | €57.0M | — | |
| Expenses | ||||||||
| Operating Expenses | €2.5B | €2.4B | €2.1B | €2.0B | €1.9B | €1.9B | +1.5% | |
| Profit | ||||||||
| Operating Profit | €1.4B | €1.8B | €1.9B | €1.0B | €1.2B | -€769.0M | -24.6% | |
| Finance Income | €5.2B | €6.7B | €6.3B | €3.1B | €2.8B | €2.7B | -22.2% | |
| Finance Costs | €1.9B | €3.1B | €2.6B | €663.0M | €543.0M | €619.0M | -40.3% | |
| Profit Before Tax | €1.4B | €1.9B | €1.9B | €1.1B | €1.2B | -€760.0M | -24.9% | |
| Tax Expense | €192.0M | €324.0M | €337.0M | €159.0M | €166.0M | -€53.0M | -40.7% | |
| Profit After Tax | €1.2B | €1.5B | €1.6B | €897.0M | €1.1B | -€707.0M | -21.6% | |
| Attributable to Shareholders | €1.2B | €1.5B | €1.6B | €889.0M | €1.0B | -€742.0M | -21.6% | |
| Minority Interests | — | — | €6.0M | €8.0M | €7.0M | €35.0M | — | |
| Total Comprehensive Income | €965.0M | €1.9B | €1.6B | €766.0M | €1.8B | -€973.0M | -49.9% | |
| Basic EPS | €1.15 | €1.42 | €1.40 | 76.60c | 91.20c | -72.40c | -19.1% | |
| Diluted EPS | €1.15 | €1.42 | €1.40 | 76.60c | 91.20c | -72.40c | -19.1% | |
| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | YoY | Trend | |
|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||
| Total Income / Revenue | €4.2B | €4.4B | €4.5B | €3.6B | €6.1B | €4.3B | -5.6% | |
| Interest Income | €4.5B | €5.8B | €5.4B | €2.8B | €2.4B | €2.3B | -22.4% | |
| Fee & Commission Income | €763.0M | €729.0M | €673.0M | €579.0M | €448.0M | €428.0M | +4.7% | |
| Other Operating Income | — | — | €44.0M | €176.0M | €153.0M | €57.0M | — | |
| Expenses | ||||||||
| Operating Expenses | €2.5B | €2.4B | €2.1B | €2.0B | €1.9B | €1.9B | +1.5% | |
| Profit | ||||||||
| Operating Profit | €1.4B | €1.8B | €1.9B | €1.0B | €1.2B | -€769.0M | -24.6% | |
| Finance Income | €5.2B | €6.7B | €6.3B | €3.1B | €2.8B | €2.7B | -22.2% | |
| Finance Costs | €1.9B | €3.1B | €2.6B | €663.0M | €543.0M | €619.0M | -40.3% | |
| Profit Before Tax | €1.4B | €1.9B | €1.9B | €1.1B | €1.2B | -€760.0M | -24.9% | |
| Tax Expense | €192.0M | €324.0M | €337.0M | €159.0M | €166.0M | -€53.0M | -40.7% | |
| Profit After Tax | €1.2B | €1.5B | €1.6B | €897.0M | €1.1B | -€707.0M | -21.6% | |
| Attributable to Shareholders | €1.2B | €1.5B | €1.6B | €889.0M | €1.0B | -€742.0M | -21.6% | |
| Minority Interests | — | — | €6.0M | €8.0M | €7.0M | €35.0M | — | |
| Total Comprehensive Income | €965.0M | €1.9B | €1.6B | €766.0M | €1.8B | -€973.0M | -49.9% | |
| Basic EPS | €1.15 | €1.42 | €1.40 | 76.60c | 91.20c | -72.40c | -19.1% | |
| Diluted EPS | €1.15 | €1.42 | €1.40 | 76.60c | 91.20c | -72.40c | -19.1% | |
