Income Statement EFG International AG

Equities

EFGN

CH0022268228

Banks

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05-21	EFG International CEO Says CRO Hiring In 2025 Expected At Top End Of 50 to 70 Range	RE
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Published financial data: EFG INTERNATIONAL AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	476M	389M	678M	1.39B	1.46B
Interest Income On Investments	2.1M	1.8M	2.2M	2.8M	2.2M
Interest Income, Total	478M	391M	681M	1.39B	1.46B
Interest On Deposits	176M	130M	283M	877M	1.08B
Interest Expense, Total	176M	130M	283M	877M	1.08B
Net Interest Income	302M	261M	398M	515M	386M
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	-	7.6M	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	28.6M	64.4M	3.8M	71.4M	98.6M
Total Other Non Interest Income	800M	929M	861M	844M	1.01B
Non Interest Income, Total	829M	994M	872M	916M	1.11B
Revenues Before Provison For Loan Losses	1.13B	1.25B	1.27B	1.43B	1.5B
Provision For Loan Losses	6.4M	-3.3M	2.9M	6.7M	2.1M
Total Revenues	1.12B	1.26B	1.27B	1.42B	1.5B
Salaries And Other Employee Benefits	-	-	-	-	-
Stock-Based Compensation (IS)	18.4M	26.8M	30.5M	51.9M	78.9M
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	-	-	-	-	-
Selling General & Admin Expenses, Total	8.3M	8.9M	11.4M	13M	14.9M
Total Other Non Interest Expense	920M	955M	923M	1B	988M
Non Interest Expense, Total	946M	991M	965M	1.07B	1.08B
EBT, Excl. Unusual Items	178M	267M	302M	359M	415M
Restructuring Charges	-9.3M	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-	-	-	-23.6M	-2.3M
Legal Settlements	-7.2M	-84.8M	-48.2M	-1.8M	-31.4M
Other Unusual Items	-9M	63M	-16.5M	-	-
EBT, Incl. Unusual Items	152M	245M	237M	333M	381M
Income Tax Expense	30.5M	31.5M	33.4M	30M	59.8M
Earnings From Continuing Operations	122M	214M	204M	303M	322M
Net Income to Company	122M	214M	204M	303M	322M
Minority Interest	-6.5M	-8.1M	-1.3M	-	-
Net Income - (IS)	115M	206M	202M	303M	322M
Preferred Dividend and Other Adjustments	-	19.1M	20.5M	18.4M	19.9M
Net Income to Common Incl Extra Items	115M	187M	182M	285M	302M
Net Income to Common Excl. Extra Items	115M	187M	182M	285M	302M
Per Share Items
Net EPS - Basic	0.39	0.62	0.6	0.94	1
Basic EPS - Continuing Operations	0.39	0.62	0.6	0.94	1
Basic Weighted Average Shares Outstanding	294M	299M	305M	303M	301M
Net EPS - Diluted	0.37	0.59	0.57	0.91	0.95
Diluted EPS - Continuing Operations	0.37	0.59	0.57	0.91	0.95
Diluted Weighted Average Shares Outstanding	310M	316M	318M	312M	317M
Normalized Basic EPS	0.36	0.53	0.61	0.74	0.86
Normalized Diluted EPS	0.34	0.5	0.59	0.72	0.82
Dividend Per Share	0.3	0.36	0.45	0.55	0.6
Payout Ratio	76.24	44.9	64.33	51.81	57.49
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	20.03	12.84	14.09	9	15.68
Total Current Taxes	27.9M	23.8M	40.7M	25.1M	26.7M
Total Deferred Taxes	2.6M	7.7M	-7.3M	4.9M	33.1M
Normalized Net Income	105M	159M	187M	224M	259M
Non-Cash Pension Expense	-4.7M	-19.2M	-3.5M	3.2M	900K
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	18.4M	26.8M	30.5M	51.9M	78.9M
Total Stock-Based Compensation	18.4M	26.8M	30.5M	51.9M	78.9M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	3.38B	2.91B	3.64B	4.19B	3.38B
Investment Securities, Total	6.65B	8.34B	10.15B	10.09B	9.88B
Trading Asset Securities, Total	1.82B	974M	1.8B	1.57B	1.55B
Total investments	8.47B	9.31B	11.95B	11.67B	11.43B
Gross Loans	18.32B	18.24B	16.76B	16.04B	17.95B
Allowance For Loan Losses	-98.3M	-16.9M	-14.2M	-18.1M	-22.6M
Net Loans	18.22B	18.23B	16.75B	16.02B	17.93B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	335M	335M	312M	300M	360M
Goodwill	69.7M	48.8M	46.4M	42.8M	42.8M
Other Intangibles, Total	191M	180M	193M	161M	149M
Accrued Interest Receivable	36.7M	32.3M	24.2M	24.2M	28.3M
Other Receivables	593M	317M	380M	452M	435M
Restricted Cash	8.58B	9.75B	9.45B	4.68B	5.83B
Other Current Assets, Total	402M	449M	193M	177M	165M
Deferred Tax Assets Long-Term (Collected)	96.5M	61.9M	80.1M	73.9M	40M
Other Real Estate Owned And Foreclosed	10.3M	14M	13.7M	6.7M	5.2M
Other Long-Term Assets, Total	258M	515M	512M	786M	808M
Total Assets	40.64B	42.14B	43.54B	38.59B	40.6B
Liabilities
Accrued Expenses, Total	13.5M	11.6M	8.6M	9.4M	9.8M
Interest Bearing Deposits	7.89B	8.24B	17.49B	19.74B	20.71B
Non-Interest Bearing Deposits	22.96B	24.27B	16.55B	10.32B	10.6B
Total Deposits	30.84B	32.52B	34.04B	30.06B	31.31B
Short-Term Borrowings	1.78B	1.59B	2.34B	2.2B	2.07B
Current Portion of Long-Term Debt	38.3M	39.5M	221M	316M	382M
Current Portion of Leases	40.5M	35.2M	34.5M	36.2M	39M
Long-Term Debt	391M	252M	36.2M	42.6M	440M
Long-Term Leases	170M	188M	173M	160M	156M
Current Income Taxes Payable	24.6M	19M	19.7M	13M	6.6M
Other Current Liabilities - (Bank / Utility Template)	11.5M	30.4M	21.6M	17.9M	-
Unearned Revenue Non Current	268M	328M	292M	319M	286M
Pension & Other Post Retirement Benefits	119M	-	10.4M	38.7M	35.3M
Deferred Tax Liability Non-Current	23M	19.9M	17.4M	16.4M	15.8M
Other Non Current Liabilities	5.15B	4.82B	4.26B	3.15B	3.47B
Total Liabilities	38.88B	39.85B	41.47B	36.37B	38.22B
Preferred Stock Non Redeemable	200K	200K	-	-	-
Total Preferred Equity	200K	200K	-	-	-
Common Stock, Total	149M	152M	151M	151M	150M
Additional Paid In Capital	1.86B	2.01B	1.97B	1.93B	1.88B
Retained Earnings	-544M	-407M	-314M	-165M	-34.6M
Treasury Stock	-1M	-	-	-	-
Comprehensive Income and Other	239M	489M	256M	298M	380M
Total Common Equity	1.7B	2.25B	2.06B	2.22B	2.38B
Minority Interest	56.8M	42.6M	800K	-	-
Total Equity	1.76B	2.29B	2.07B	2.22B	2.38B
Total Liabilities And Equity	40.64B	42.14B	43.54B	38.59B	40.6B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	296M	304M	303M	302M	299M
ECS Total Common Shares Outstanding	296M	304M	303M	302M	299M
Book Value / Share	5.74	7.4	6.82	7.35	7.94
Tangible Book Value	1.44B	2.02B	1.83B	2.01B	2.19B
Tangible Book Value Per Share	4.87	6.64	6.03	6.67	7.3
Total Debt	2.42B	2.11B	2.81B	2.75B	3.09B
Deposits at Interest - Cash	11.89B	12.6B	13.05B	8.83B	9.17B
Debt Equivalent of Unfunded Proj. Benefit Obligation	119M	-72M	-120M	-45.3M	-53M
Net Debt	-2.77B	-1.77B	-2.62B	-3.01B	-1.84B
Full Time Employees	3.15K	3.03K	2.83K	3.02K	3.11K
Number Of Offices	40	40	40	40	40

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	115M	206M	202M	303M	322M
Depreciation, Depletion & Amortization	52.1M	53.5M	48.6M	45.4M	55.9M
Amortization of Goodwill and Intangible Assets - (CF)	12.4M	11.5M	10.3M	9.6M	9.5M
Total Depreciation, Depletion & Amortization	64.5M	65M	58.9M	55M	65.4M
Amortization of Deferred Charges, Total	12.5M	17.3M	23.8M	23.6M	23.9M
Change in Other Net Operating Assets (Collected)	-450M	-827M	489M	24.5M	-1.31B
Other Operating Activities	-62M	-50.9M	89.1M	73.7M	-72.1M
Cash from Operations	-319M	-590M	863M	480M	-972M
Capital Expenditure	-13.4M	-7.8M	-7.9M	-500K	-23.1M
Sale of Property, Plant, and Equipment	16M	-	2.2M	-	-
Cash Acquisitions	-	-	-	-	-
Divestitures	-2.3M	130M	54.9M	-	-
Purchase / Sale of Intangible Assets	-28.9M	-35.8M	-36.1M	-25.7M	-25.3M
Investment in Marketable and Equity Securities, Total	366M	-746M	-1.94B	-1.19B	532M
Cash from Investing	338M	-660M	-1.93B	-1.22B	484M
Long-Term Debt Issued, Total	6.39B	-	-	-	369M
Total Debt Issued	6.39B	-	-	-	369M
Long-Term Debt Repaid, Total	-7.08B	-228M	-226M	-30.9M	-38M
Total Debt Repaid	-7.08B	-228M	-226M	-30.9M	-38M
Issuance of Common Stock	-	351M	800K	-	-
Repurchase of Common Stock	-2.8M	-	-73.8M	-76.6M	-105M
Common Dividends Paid	-87.9M	-92.4M	-130M	-157M	-185M
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-87.9M	-92.4M	-130M	-157M	-185M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.17B	1.94B	2.24B	-3.12B	575M
Other Financing Activities, Total	-11.6M	-17.1M	-3.8M	-900K	-
Cash from Financing	385M	1.95B	1.8B	-3.39B	616M
Foreign Exchange Rate Adjustments	-46.5M	-3.6M	-309M	-85.1M	206M
Net Change in Cash	357M	701M	432M	-4.21B	334M
Supplemental Items
Cash Interest Paid	200M	137M	252M	820M	1.1B
Cash Income Tax Paid (Refund)	24.5M	28.5M	38M	31.5M	31.7M
Net Debt Issued / Repaid	-683M	-228M	-226M	-30.9M	331M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.3	0.52	0.48	0.74	0.81
Return On Equity %	6.88	10.56	9.35	14.16	14
Return on Common Equity	6.73	9.45	8.43	13.3	13.13
Shareholders Value Added	-72.15M	-19.68M	-46.09M	55.9M	55.38M
Margin Analysis
SG&A Margin	0.74	0.71	0.9	0.91	1
Net Interest Income / Total Revenues %	26.86	20.76	31.39	36.15	25.75
EBT Excl. Non-Recurring Items Margin %	15.82	21.24	23.82	25.18	27.73
Income From Continuing Operations Margin %	10.83	17	16.08	21.29	21.49
Net Income Margin %	10.26	16.36	15.97	21.29	21.49
Net Avail. For Common Margin %	10.26	14.84	14.36	20	20.16
Normalized Net Income Margin	9.31	12.63	14.78	15.74	17.33
Asset quality
Nonperforming Loans / Total Loans %	2.16	1.52	1.49	2.47	1.7
Nonperforming Loans / Total Assets %	0.97	0.66	0.57	1.03	0.75
Nonperforming Assets / Total Assets %	1	0.69	0.6	1.05	0.77
NPAs / Loans and OREO	2.21	1.59	1.57	2.51	1.73
NPAs / Equity	23.05	12.7	12.75	18.19	13.08
Allowance for Credit Losses / Net Charge-offs %	4.27K	162.5	262.96	565.62	-
Allowance for Credit Losses / Nonperforming Loans %	24.89	6.1	5.69	4.56	7.39
Allowance for Credit Losses / Total Loans %	0.54	0.09	0.08	0.11	0.13
Provision for Loan Losses / Net Charge-offs %	278.26	-31.73	53.7	209.38	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.2	4.77	5.03	5.21	5.8
Total Average Equity / Total Average Assets %	4.34	4.89	5.08	5.21	5.8
Total Equity + Allowance for Loan Losses / Total Loans %	9.82	12.42	12.4	13.94	13.38
Gross Loans / Total Deposits %	59.4	56.1	49.25	53.36	57.33
Net Loans / Total Deposits %	59.09	56.05	49.21	53.3	57.26
Tier 1 Capital Ratio %	16.31	20.07	18.64	21	21.5
Total Capital Ratio %	19.9	21.9	18.6	21	21.5
Core Tier 1 Capital Ratio	16.2	16.3	14.7	17	17.7
Tier 2 Capital Ratio	3.54	1.82	0	-	-
Coverage Ratio	24.89	6.1	5.69	4.56	7.39
Interbank Ratio	599.5	410	188.85	205.4	202.97
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.86	2.89	1.84	1.38	1.35
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-9.34	-13.54	52.32	29.44	-25.12
Non Interest Income, 1 Yr. Growth %	-1.1	19.9	-12.2	5	21.56
Provision For Loan Losses, 1 Yr. Growth %	-40.74	-151.56	-187.88	131.03	-68.66
Total Revenues, 1 Yr. Growth %	-3.09	11.89	0.73	12.38	5.11
Earnings From Cont. Operations, 1 Yr. Growth %	21.44	75.62	-4.77	48.85	6.07
Net Income, 1 Yr. Growth %	22.4	78.49	-1.65	49.8	6.07
Normalized Net Income, 1 Yr. Growth %	5.79	68.48	66.57	52.58	15.02
Diluted EPS Before Extra, 1 Yr. Growth %	19.35	59.46	-3.39	59.65	4.4
Dividend Per Share, 1 Yr. Growth %	100	20	25	22.22	9.09
Gross Loans, 1 Yr. Growth %	-4.26	-0.43	-8.11	-4.33	11.91
Allowance For Loan Losses, 1 Yr. Growth %	-7.7	-82.81	-15.98	27.46	24.86
Net Loans, 1 Yr. Growth %	-4.24	0.01	-8.11	-4.35	11.9
Non Performing Loans, 1 Yr. Growth %	2.04	-29.86	-9.86	58.83	-22.89
Non Performing Assets, 1 Yr. Growth %	-	-28.18	-9.48	53.11	-22.89
Total Assets, 1 Yr. Growth %	-0.85	3.71	3.31	-11.37	5.22
Total Deposits, 1 Yr Growth %	0.44	5.43	4.67	-11.69	4.16
Tangible Book Value, 1 Yr. Growth %	-1.85	40.18	-9.61	10.31	8.56
Common Equity, 1 Yr. Growth %	-1.49	32.2	-8.19	7.39	7.27
Total Equity, 1 Yr. Growth %	-1.28	30.35	-9.87	7.35	7.27
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-9.21	-11.46	14.76	40.42	-1.55
Non Interest Income, 2 Yr. CAGR %	3.12	8.9	2.6	-3.98	12.98
Provision For Loan Losses, 2 Yr. CAGR %	-32.63	-44.72	-32.69	42.49	-14.9
Total Revenues, 2 Yr. CAGR %	-0.32	4.13	6.17	6.4	8.69
Earnings From Cont. Operations, 2 Yr. CAGR %	29.08	46.03	29.32	19.06	25.65
Net Income, 2 Yr. CAGR %	28.07	47.81	32.49	21.38	26.05
Normalized Net Income, 2 Yr. CAGR %	0.57	26.75	40.93	41.17	32.9
Diluted EPS Before Extra, 2 Yr. CAGR %	26.83	37.96	24.12	24.19	29.1
Dividend Per Share, 2 Yr. CAGR %	0	54.92	22.47	23.6	15.47
Gross Loans, 2 Yr. CAGR %	-1.86	-2.36	-4.35	-6.24	3.48
Allowance For Loan Losses, 2 Yr. CAGR %	-31.99	-60.16	-61.99	3.49	26.16
Net Loans, 2 Yr. CAGR %	-1.57	-2.14	-4.13	-6.25	3.45
Non Performing Loans, 2 Yr. CAGR %	-3.23	-15.4	-20.48	19.66	10.66
Non Performing Assets, 2 Yr. CAGR %	-1.98	-	-19.37	17.72	8.66
Total Assets, 2 Yr. CAGR %	0.59	1.4	3.51	-4.31	-3.43
Total Deposits, 2 Yr CAGR %	1.28	2.91	5.05	-3.86	-4.09
Tangible Book Value, 2 Yr. CAGR %	0.47	17.29	12.57	-0.14	9.43
Common Equity, 2 Yr. CAGR %	2.23	14.12	10.17	-0.71	7.33
Total Equity, 2 Yr. CAGR %	3.03	13.44	8.39	-1.64	7.31
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.7	-10.68	6.09	19.46	13.87
Non Interest Income, 3 Yr. CAGR %	1.44	8.44	1.35	3.4	3.87
Provision For Loan Losses, 3 Yr. CAGR %	-31.94	-38.37	-35.49	1.54	-13.99
Total Revenues, 3 Yr. CAGR %	0.05	3.59	2.98	8.2	5.97
Earnings From Cont. Operations, 3 Yr. CAGR %	28.43	43.03	26.64	35.53	14.56
Net Income, 3 Yr. CAGR %	24.46	43.05	29.04	38.03	16.04
Normalized Net Income, 3 Yr. CAGR %	42.39	15.38	23.73	33.45	32.13
Diluted EPS Before Extra, 3 Yr. CAGR %	20.15	36.89	22.51	34.98	17.21
Dividend Per Share, 3 Yr. CAGR %	6.27	6.27	44.22	22.39	18.56
Gross Loans, 3 Yr. CAGR %	-1.45	-1.39	-4.32	-4.34	-0.54
Allowance For Loan Losses, 3 Yr. CAGR %	-20.08	-57	-48.91	-43.11	10.17
Net Loans, 3 Yr. CAGR %	-1.3	-1.05	-4.17	-4.21	-0.55
Non Performing Loans, 3 Yr. CAGR %	-3.82	-13.07	-13.59	0.14	3.35
Non Performing Assets, 3 Yr. CAGR %	-2.99	-11.63	-	-0.16	2.24
Total Assets, 3 Yr. CAGR %	-0.79	1.62	2.03	-1.71	-1.24
Total Deposits, 3 Yr CAGR %	-1.53	2.65	3.49	-0.86	-1.26
Tangible Book Value, 3 Yr. CAGR %	-1.27	12.27	7.54	11.81	2.68
Common Equity, 3 Yr. CAGR %	0.03	11.37	6.14	9.23	1.88
Total Equity, 3 Yr. CAGR %	0.59	11.43	5.06	8.04	1.25
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.84	5.6	2.65	7.04	2.97
Non Interest Income, 5 Yr. CAGR %	11.1	13.68	1.9	3.29	5.85
Provision For Loan Losses, 5 Yr. CAGR %	129.74	-2.78	-32.24	-13.83	-27.93
Total Revenues, 5 Yr. CAGR %	10.04	11.86	2.45	4.71	5.23
Earnings From Cont. Operations, 5 Yr. CAGR %	15.44	-1.27	28.78	32.91	26.24
Net Income, 5 Yr. CAGR %	15.09	-1.79	27.62	33.95	27.84
Normalized Net Income, 5 Yr. CAGR %	18.77	81.86	38.9	16.72	21.27
Diluted EPS Before Extra, 5 Yr. CAGR %	0.55	-11.55	21.72	31.66	25.1
Dividend Per Share, 5 Yr. CAGR %	3.71	7.57	12.47	12.89	31.95
Gross Loans, 5 Yr. CAGR %	8.71	-0.73	-2.62	-3.36	-1.27
Allowance For Loan Losses, 5 Yr. CAGR %	71.12	-17.11	-40.64	-38.9	-26.66
Net Loans, 5 Yr. CAGR %	8.6	-0.7	-2.44	-3.16	-1.19
Non Performing Loans, 5 Yr. CAGR %	125.99	45.01	-10.87	-1.22	-4.6
Non Performing Assets, 5 Yr. CAGR %	127.15	46.45	-9.91	-0.89	-
Total Assets, 5 Yr. CAGR %	8.68	-0.02	0.91	-0.8	-0.19
Total Deposits, 5 Yr CAGR %	9.2	-0.14	1.05	-0.01	0.39
Tangible Book Value, 5 Yr. CAGR %	11.45	1.12	4.05	7.13	8.29
Common Equity, 5 Yr. CAGR %	8.92	1.36	3.97	6.38	6.61
Total Equity, 5 Yr. CAGR %	9.26	1.53	3.64	6.01	5.96