Eurobank Ergasias Services and Holdings SA
F:EFGD
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Income Statement
Income Statement
Eurobank Ergasias Services and Holdings SA
| Sep-2001 | Dec-2001 | Mar-2002 | Jun-2002 | Sep-2002 | Dec-2002 | Mar-2003 | Jun-2003 | Sep-2003 | Dec-2003 | Mar-2004 | Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
302
|
614
|
491
|
673
|
702
|
724
|
760
|
785
|
820
|
849
|
891
|
946
|
1 013
|
1 094
|
1 156
|
1 214
|
1 283
|
1 372
|
1 435
|
1 501
|
1 560
|
1 597
|
1 671
|
1 766
|
1 872
|
2 004
|
2 125
|
2 233
|
2 337
|
2 385
|
7 466
|
7 466
|
7 444
|
2 341
|
2 349
|
2 283
|
2 196
|
2 103
|
2 040
|
2 013
|
1 997
|
3 930
|
1 902
|
1 779
|
1 641
|
2 922
|
1 305
|
1 225
|
1 187
|
1 270
|
1 367
|
1 449
|
1 507
|
1 470
|
1 465
|
1 455
|
1 437
|
1 463
|
1 450
|
1 424
|
1 429
|
1 463
|
1 437
|
0
|
1 101
|
1 464
|
1 097
|
1 453
|
1 436
|
1 416
|
1 404
|
1 390
|
1 384
|
1 377
|
1 373
|
1 381
|
1 366
|
1 349
|
1 345
|
1 330
|
1 329
|
1 321
|
1 325
|
1 351
|
1 402
|
1 480
|
1 714
|
1 893
|
2 070
|
2 174
|
2 242
|
2 589
|
3 048
|
2 507
|
3 219
|
2 964
|
|
| Interest Income |
644
|
1 410
|
979
|
1 350
|
1 463
|
1 491
|
1 537
|
1 515
|
1 498
|
1 520
|
1 375
|
1 289
|
1 175
|
2 088
|
1 156
|
1 214
|
1 283
|
2 850
|
1 435
|
1 501
|
1 560
|
4 007
|
1 671
|
1 766
|
1 872
|
5 980
|
2 125
|
2 233
|
2 337
|
7 488
|
7 466
|
7 466
|
7 444
|
5 987
|
2 349
|
2 283
|
2 196
|
4 949
|
2 040
|
2 013
|
1 997
|
7 028
|
1 902
|
1 779
|
1 641
|
5 536
|
1 305
|
1 225
|
1 187
|
2 797
|
1 367
|
1 449
|
1 507
|
2 870
|
1 465
|
1 455
|
1 437
|
2 586
|
1 450
|
1 424
|
1 429
|
2 274
|
1 437
|
0
|
1 101
|
2 164
|
1 293
|
1 839
|
1 822
|
2 186
|
1 782
|
1 761
|
1 949
|
2 116
|
2 097
|
2 081
|
2 014
|
1 955
|
1 921
|
1 886
|
1 881
|
1 877
|
1 885
|
1 926
|
2 032
|
2 315
|
2 710
|
3 198
|
3 837
|
2 174
|
4 018
|
4 208
|
4 340
|
5 096
|
5 134
|
5 165
|
|
| Interest Expense |
342
|
796
|
488
|
678
|
762
|
767
|
778
|
730
|
678
|
671
|
0
|
0
|
0
|
994
|
0
|
0
|
0
|
1 478
|
0
|
0
|
0
|
2 410
|
0
|
0
|
0
|
3 976
|
0
|
0
|
0
|
5 103
|
0
|
0
|
0
|
3 646
|
0
|
0
|
0
|
2 846
|
0
|
0
|
0
|
3 098
|
0
|
0
|
0
|
2 614
|
0
|
0
|
0
|
1 527
|
0
|
0
|
0
|
1 400
|
0
|
0
|
0
|
1 123
|
0
|
0
|
0
|
811
|
0
|
0
|
0
|
700
|
196
|
386
|
0
|
379
|
378
|
281
|
373
|
739
|
339
|
313
|
648
|
222
|
576
|
114
|
552
|
101
|
560
|
229
|
630
|
196
|
611
|
711
|
1 852
|
2 280
|
2 526
|
1 162
|
1 225
|
1 249
|
1 225
|
2 201
|
|
| Non Interest Income |
28
|
387
|
88
|
151
|
178
|
386
|
274
|
297
|
358
|
570
|
319
|
350
|
343
|
527
|
204
|
230
|
275
|
647
|
286
|
312
|
331
|
768
|
556
|
597
|
641
|
967
|
827
|
837
|
817
|
1 102
|
854
|
797
|
798
|
836
|
683
|
684
|
657
|
761
|
471
|
404
|
366
|
413
|
367
|
381
|
303
|
457
|
541
|
471
|
514
|
515
|
390
|
463
|
478
|
677
|
308
|
260
|
294
|
486
|
349
|
397
|
363
|
570
|
456
|
445
|
445
|
576
|
465
|
484
|
519
|
584
|
431
|
458
|
455
|
644
|
552
|
795
|
964
|
1 201
|
1 111
|
867
|
714
|
742
|
867
|
1 521
|
1 561
|
1 729
|
1 365
|
862
|
850
|
961
|
939
|
923
|
1 013
|
1 144
|
961
|
940
|
|
| Revenue |
329
N/A
|
1 001
+204%
|
579
-42%
|
824
+42%
|
880
+7%
|
1 110
+26%
|
1 033
-7%
|
1 082
+5%
|
1 178
+9%
|
1 419
+20%
|
1 210
-15%
|
1 297
+7%
|
1 357
+5%
|
1 621
+19%
|
1 360
-16%
|
1 444
+6%
|
1 558
+8%
|
2 019
+30%
|
1 721
-15%
|
1 813
+5%
|
1 891
+4%
|
2 365
+25%
|
2 227
-6%
|
2 363
+6%
|
2 513
+6%
|
2 971
+18%
|
2 952
-1%
|
3 070
+4%
|
3 154
+3%
|
3 487
+11%
|
8 320
+139%
|
8 263
-1%
|
8 242
0%
|
3 177
-61%
|
3 032
-5%
|
2 967
-2%
|
2 853
-4%
|
2 864
+0%
|
2 511
-12%
|
2 417
-4%
|
2 363
-2%
|
4 343
+84%
|
2 269
-48%
|
2 160
-5%
|
1 944
-10%
|
3 379
+74%
|
1 846
-45%
|
1 696
-8%
|
1 701
+0%
|
1 785
+5%
|
1 757
-2%
|
1 912
+9%
|
1 985
+4%
|
2 147
+8%
|
1 773
-17%
|
1 715
-3%
|
1 731
+1%
|
1 949
+13%
|
1 799
-8%
|
1 821
+1%
|
1 792
-2%
|
2 033
+13%
|
1 893
-7%
|
445
-76%
|
1 546
+247%
|
2 040
+32%
|
1 562
-23%
|
1 937
+24%
|
1 955
+1%
|
2 000
+2%
|
1 835
-8%
|
1 848
+1%
|
1 839
0%
|
2 021
+10%
|
1 925
-5%
|
2 176
+13%
|
2 330
+7%
|
2 550
+9%
|
2 456
-4%
|
2 197
-11%
|
2 043
-7%
|
2 063
+1%
|
2 192
+6%
|
2 872
+31%
|
2 963
+3%
|
3 209
+8%
|
3 079
-4%
|
2 755
-11%
|
2 920
+6%
|
3 135
+7%
|
3 181
+1%
|
3 512
+10%
|
4 061
+16%
|
3 651
-10%
|
4 180
+14%
|
3 904
-7%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(37)
|
(68)
|
(52)
|
(79)
|
(87)
|
(111)
|
(127)
|
(140)
|
(150)
|
(157)
|
(166)
|
(192)
|
(207)
|
(223)
|
(249)
|
(267)
|
(291)
|
(309)
|
(325)
|
(328)
|
(340)
|
(344)
|
(348)
|
(358)
|
(380)
|
(401)
|
(437)
|
(478)
|
(518)
|
(886)
|
(6 125)
|
(6 276)
|
(6 429)
|
(1 177)
|
(1 226)
|
(1 255)
|
(1 274)
|
(1 273)
|
(1 297)
|
(1 299)
|
(1 307)
|
(1 328)
|
(1 352)
|
(1 468)
|
(1 557)
|
(1 655)
|
(1 712)
|
(1 697)
|
(1 694)
|
(1 900)
|
(1 961)
|
(1 997)
|
(2 170)
|
(2 264)
|
(2 087)
|
(3 468)
|
(3 135)
|
(2 665)
|
(2 539)
|
(900)
|
(830)
|
(741)
|
(749)
|
(734)
|
(726)
|
(750)
|
(733)
|
(721)
|
(719)
|
(680)
|
(678)
|
(691)
|
(660)
|
(624)
|
(585)
|
(2 056)
|
(2 066)
|
(2 081)
|
(2 086)
|
(525)
|
(536)
|
(490)
|
(421)
|
(392)
|
(303)
|
(276)
|
(304)
|
(329)
|
(343)
|
(412)
|
(408)
|
(392)
|
(370)
|
(303)
|
(315)
|
(338)
|
|
| Non Interest Expense |
(150)
|
(598)
|
(295)
|
(447)
|
(517)
|
(722)
|
(631)
|
(649)
|
(677)
|
(879)
|
(630)
|
(653)
|
(675)
|
(898)
|
(568)
|
(593)
|
(619)
|
(1 034)
|
(665)
|
(708)
|
(757)
|
(1 189)
|
(2 657)
|
(2 729)
|
(2 796)
|
(1 520)
|
(1 448)
|
(1 516)
|
(1 574)
|
(1 783)
|
(1 553)
|
(1 515)
|
(1 487)
|
(1 602)
|
(1 426)
|
(1 377)
|
(1 332)
|
(1 414)
|
(1 251)
|
(2 043)
|
(1 997)
|
(8 025)
|
(8 297)
|
(7 736)
|
(7 721)
|
(1 957)
|
(1 563)
|
(1 344)
|
(1 374)
|
(1 786)
|
(1 650)
|
(1 624)
|
(1 635)
|
(1 634)
|
(1 344)
|
(1 334)
|
(1 328)
|
(1 370)
|
(1 197)
|
(1 154)
|
(1 108)
|
(1 155)
|
(1 020)
|
(1 013)
|
(1 001)
|
(1 109)
|
(1 023)
|
(1 012)
|
(1 010)
|
(1 084)
|
(932)
|
(1 008)
|
(1 034)
|
(1 237)
|
(1 141)
|
(1 076)
|
(1 165)
|
(1 345)
|
(1 221)
|
(1 210)
|
(1 102)
|
(1 090)
|
(1 028)
|
(1 063)
|
(1 080)
|
(1 182)
|
(1 072)
|
(1 071)
|
(1 084)
|
(1 181)
|
(1 194)
|
(1 511)
|
(1 877)
|
(1 476)
|
(1 941)
|
(1 682)
|
|
| Pre-Tax Income |
142
N/A
|
335
+136%
|
232
-31%
|
298
+28%
|
276
-7%
|
277
+0%
|
275
-1%
|
293
+7%
|
350
+19%
|
383
+9%
|
413
+8%
|
451
+9%
|
475
+5%
|
500
+5%
|
543
+9%
|
584
+8%
|
648
+11%
|
676
+4%
|
731
+8%
|
777
+6%
|
794
+2%
|
832
+5%
|
(778)
N/A
|
(724)
+7%
|
(663)
+8%
|
1 050
N/A
|
1 067
+2%
|
1 076
+1%
|
1 062
-1%
|
818
-23%
|
642
-22%
|
472
-26%
|
326
-31%
|
398
+22%
|
380
-5%
|
335
-12%
|
247
-26%
|
177
-28%
|
(37)
N/A
|
(925)
-2 400%
|
(941)
-2%
|
(5 010)
-432%
|
(7 380)
-47%
|
(7 044)
+5%
|
(7 334)
-4%
|
(233)
+97%
|
(1 429)
-513%
|
(1 345)
+6%
|
(1 367)
-2%
|
(1 901)
-39%
|
(1 854)
+2%
|
(1 709)
+8%
|
(1 820)
-6%
|
(1 751)
+4%
|
(1 658)
+5%
|
(3 087)
-86%
|
(2 732)
+11%
|
(2 086)
+24%
|
(1 937)
+7%
|
(233)
+88%
|
(146)
+37%
|
137
N/A
|
124
-9%
|
(205)
N/A
|
(181)
+12%
|
181
N/A
|
(194)
N/A
|
204
N/A
|
226
+11%
|
236
+4%
|
225
-5%
|
149
-34%
|
145
-3%
|
160
+10%
|
199
+24%
|
(956)
N/A
|
(901)
+6%
|
(876)
+3%
|
(851)
+3%
|
462
N/A
|
405
-12%
|
483
+19%
|
743
+54%
|
1 417
+91%
|
1 580
+12%
|
1 751
+11%
|
1 703
-3%
|
1 355
-20%
|
1 493
+10%
|
1 542
+3%
|
1 579
+2%
|
1 609
+2%
|
1 814
+13%
|
1 872
+3%
|
1 924
+3%
|
1 884
-2%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(55)
|
(120)
|
(84)
|
(103)
|
(92)
|
(76)
|
(74)
|
(83)
|
(106)
|
(103)
|
(115)
|
(126)
|
(133)
|
(148)
|
(161)
|
(169)
|
(164)
|
(172)
|
(179)
|
(178)
|
(185)
|
(225)
|
(225)
|
(226)
|
(239)
|
(219)
|
(223)
|
(221)
|
(207)
|
(141)
|
(100)
|
(69)
|
(29)
|
(82)
|
(124)
|
(118)
|
(121)
|
(60)
|
23
|
199
|
205
|
1 319
|
1 399
|
1 342
|
1 399
|
335
|
882
|
871
|
838
|
783
|
284
|
249
|
455
|
730
|
612
|
961
|
1 226
|
1 036
|
998
|
612
|
111
|
85
|
82
|
46
|
56
|
(5)
|
5
|
(16)
|
(42)
|
(78)
|
(76)
|
(39)
|
(30)
|
(31)
|
(38)
|
(117)
|
(148)
|
(337)
|
(349)
|
(319)
|
(321)
|
(156)
|
(217)
|
(340)
|
(363)
|
(406)
|
(390)
|
(265)
|
(272)
|
(261)
|
(263)
|
(300)
|
(353)
|
(361)
|
(386)
|
(407)
|
|
| Income from Continuing Operations |
87
|
216
|
148
|
196
|
184
|
201
|
201
|
210
|
245
|
279
|
298
|
325
|
343
|
352
|
382
|
415
|
484
|
504
|
552
|
599
|
609
|
607
|
(1 003)
|
(950)
|
(902)
|
831
|
844
|
855
|
855
|
677
|
542
|
403
|
297
|
316
|
256
|
217
|
126
|
117
|
(14)
|
(726)
|
(736)
|
(3 691)
|
(5 981)
|
(5 702)
|
(5 935)
|
102
|
(547)
|
(474)
|
(529)
|
(1 118)
|
(1 570)
|
(1 460)
|
(1 365)
|
(1 021)
|
(1 046)
|
(2 126)
|
(1 506)
|
(1 050)
|
(939)
|
379
|
(35)
|
222
|
206
|
(159)
|
(125)
|
176
|
(189)
|
188
|
184
|
158
|
149
|
110
|
115
|
129
|
161
|
(1 073)
|
(1 049)
|
(1 213)
|
(1 200)
|
143
|
84
|
327
|
526
|
1 077
|
1 217
|
1 345
|
1 313
|
1 090
|
1 221
|
1 281
|
1 316
|
1 309
|
1 461
|
1 511
|
1 538
|
1 477
|
|
| Income to Minority Interest |
0
|
(10)
|
(5)
|
(6)
|
(4)
|
(5)
|
(6)
|
(7)
|
(7)
|
(7)
|
(6)
|
(7)
|
(10)
|
(12)
|
(12)
|
(11)
|
(9)
|
(3)
|
(2)
|
(3)
|
(2)
|
(6)
|
(8)
|
(10)
|
(13)
|
(16)
|
(18)
|
(21)
|
(26)
|
(25)
|
(24)
|
(18)
|
(12)
|
(11)
|
(12)
|
(13)
|
(15)
|
(16)
|
(15)
|
(16)
|
(13)
|
(12)
|
(11)
|
(12)
|
(13)
|
(13)
|
(13)
|
(12)
|
(12)
|
3
|
2
|
(1)
|
(6)
|
(23)
|
(25)
|
(24)
|
(24)
|
(26)
|
(27)
|
(23)
|
(21)
|
(19)
|
(17)
|
(22)
|
(16)
|
(11)
|
(6)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
2
|
2
|
1
|
0
|
10
|
10
|
11
|
12
|
1
|
1
|
(34)
|
(56)
|
0
|
0
|
|
| Net Income (Common) |
87
N/A
|
206
+137%
|
143
-30%
|
190
+33%
|
180
-5%
|
196
+9%
|
195
-1%
|
204
+5%
|
238
+17%
|
273
+14%
|
293
+7%
|
318
+9%
|
333
+5%
|
340
+2%
|
370
+9%
|
404
+9%
|
475
+18%
|
487
+3%
|
526
+8%
|
561
+7%
|
561
N/A
|
558
-1%
|
(1 054)
N/A
|
(1 002)
+5%
|
(956)
+5%
|
776
N/A
|
788
+2%
|
796
+1%
|
792
-1%
|
616
-22%
|
484
-21%
|
344
-29%
|
219
-36%
|
210
-4%
|
117
-44%
|
42
-64%
|
(60)
N/A
|
(78)
-30%
|
(7)
+91%
|
(668)
-9 443%
|
(642)
+4%
|
(3 593)
-460%
|
(5 855)
-63%
|
(5 619)
+4%
|
(5 848)
-4%
|
188
N/A
|
(659)
N/A
|
(568)
+14%
|
(630)
-11%
|
(1 177)
-87%
|
(1 749)
-49%
|
(1 713)
+2%
|
(1 610)
+6%
|
(1 219)
+24%
|
(1 106)
+9%
|
(2 123)
-92%
|
(1 530)
+28%
|
(1 181)
+23%
|
(1 027)
+13%
|
339
N/A
|
17
-95%
|
235
+1 282%
|
212
-10%
|
(161)
N/A
|
(260)
-61%
|
104
N/A
|
(262)
N/A
|
64
N/A
|
124
+94%
|
93
-25%
|
78
-16%
|
87
+12%
|
104
+20%
|
127
+22%
|
162
+28%
|
(1 071)
N/A
|
(1 048)
+2%
|
(1 213)
-16%
|
(1 200)
+1%
|
143
N/A
|
84
-41%
|
328
+290%
|
528
+61%
|
1 079
+104%
|
1 218
+13%
|
1 347
+11%
|
1 297
-4%
|
1 073
-17%
|
1 204
+12%
|
1 140
-5%
|
1 190
+4%
|
1 177
-1%
|
1 295
+10%
|
1 448
+12%
|
1 475
+2%
|
1 418
-4%
|
|
| EPS (Diluted) |
217.25
N/A
|
514
+137%
|
357.25
-30%
|
380.6
+7%
|
360.8
-5%
|
392.4
+9%
|
389
-1%
|
408
+5%
|
476.6
+17%
|
545.2
+14%
|
585.4
+7%
|
635.6
+9%
|
665
+5%
|
680
+2%
|
740
+9%
|
808
+9%
|
950
+18%
|
974
+3%
|
1 051
+8%
|
1 122
+7%
|
1 122
N/A
|
1 116
-1%
|
-2 108
N/A
|
-2 004
+5%
|
-1 912
+5%
|
1 552
N/A
|
1 576.2
+2%
|
1 592.6
+1%
|
1 584.6
-1%
|
1 232
-22%
|
967.6
-21%
|
687
-29%
|
437
-36%
|
420
-4%
|
233.2
-44%
|
84.4
-64%
|
-119.6
N/A
|
-156
-30%
|
-14
+91%
|
-1 336
-9 443%
|
-1 070
+20%
|
-7 186
-572%
|
-11 710
-63%
|
-56 190
-380%
|
-9 746.66
+83%
|
313.33
N/A
|
-941.42
N/A
|
-43.69
+95%
|
-13.87
+68%
|
-41.01
-196%
|
-31.97
+22%
|
-15.5
+52%
|
-10.94
+29%
|
-10.58
+3%
|
-7.52
+29%
|
-14.45
-92%
|
-10.4
+28%
|
-3.82
+63%
|
-0.46
+88%
|
0.15
N/A
|
0
N/A
|
0.09
N/A
|
0.09
N/A
|
-0.08
N/A
|
-0.11
-38%
|
0.04
N/A
|
-0.12
N/A
|
0.02
N/A
|
0.05
+150%
|
0.04
-20%
|
0.03
-25%
|
0.02
-33%
|
0.04
+100%
|
0.04
N/A
|
0.05
+25%
|
-0.28
N/A
|
-0.28
N/A
|
-0.33
-18%
|
-0.33
N/A
|
0.03
N/A
|
0.02
-33%
|
0.09
+350%
|
0.14
+56%
|
0.29
+107%
|
0.33
+14%
|
0.36
+9%
|
0.36
N/A
|
0.3
-17%
|
0.33
+10%
|
0.3
-9%
|
0.32
+7%
|
0.31
-3%
|
0.35
+13%
|
0.4
+14%
|
0.4
N/A
|
0.39
-3%
|
|