Banco di Desio e della Brianza S.p.A. (BIT:BDB)

BIT:BDB 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	630.02	650.16	598.21	336.94	294.44	260
Interest Income on Investments	0.76	0.75	0.6	0.6	0.69	1.77
Total Interest Income	630.78	650.91	598.81	337.54	295.13	261.76
Interest Paid on Deposits	252.62	266.1	237.08	52.16	40.71	37.62
Net Interest Income	378.15	384.81	361.73	285.38	254.42	224.14
Net Interest Income Growth (YoY)	-3.03%	6.38%	26.76%	12.17%	13.51%	2.22%
Income From Trading Activities	3.5	3.91	4.4	4.54	4.29	2.29
Gain (Loss) on Sale of Assets	-0.03	-0.03	-0.01	0.07	-0.1	-0.16
Gain (Loss) on Sale of Investments	0.55	-0.93	-5.63	-10.08	5.14	4.68
Other Non-Interest Income	208.77	207.58	209.04	180.27	188.43	166.09
Total Non-Interest Income	214.41	212.34	199.6	170.56	186.44	171.15
Non-Interest Income Growth (YoY)	8.76%	6.38%	17.03%	-8.51%	8.93%	0.47%
Revenues Before Loan Losses	592.57	597.15	561.33	455.94	440.86	395.29
Provision for Loan Losses	45.17	42.07	58.61	42.76	86.5	71.72
Revenue	547.4	555.08	502.72	413.18	354.36	323.57
Revenue Growth (YoY)	1.77%	10.42%	21.67%	16.60%	9.52%	-3.86%
Salaries and Employee Benefits	240	235.1	205.59	175.74	175.37	169.64
Occupancy Expenses	19.05	18.84	18	16.21	16.27	17.11
Amortization of Goodwill & Intangibles	4.79	4.58	4.04	2.08	1.75	1.36
Selling, General & Administrative	105.12	114.17	114.11	103.6	96.06	92.96
Other Non-Interest Expense	-3.25	-1.72	16.84	0.69	0.88	-3.59
Total Non-Interest Expense	365.7	370.96	358.58	298.32	290.32	277.48
EBT Excluding Unusual Items	181.7	184.12	144.14	114.87	64.05	46.09
Asset Writedown	-0.12	-0.12	-0.16	-	-0.12	-
Legal Settlements	-2.47	-2.47	-6.42	-4.68	-4.16	-2.51
Other Unusual Items	5.46	5.48	66.64	0.02	-0.31	-0.02
Pretax Income	184.57	187.01	204.2	109.89	60.45	31.54
Income Tax Expense	65.16	65.11	61.87	35.3	11.32	7.85
Earnings From Continuing Operations	119.41	121.9	142.34	74.6	49.12	23.69
Earnings From Discontinued Operations	2.96	2.96	98.03	6.87	5.78	-
Minority Interest in Earnings	1.03	0.69	-	-	-	-
Net Income	123.4	125.54	240.36	81.46	54.9	23.69
Net Income to Common	123.4	125.54	240.36	81.46	54.9	23.69
Net Income Growth	1.97%	-47.77%	195.06%	48.38%	131.75%	-41.01%
Basic Shares Outstanding	132	134	134	134	134	134
Diluted Shares Outstanding	132	134	134	134	134	134
Shares Change (YoY)	-	-0.17%	-	-	-	-1.17%
EPS (Basic)	0.93	0.94	1.79	0.61	0.41	0.18
EPS (Diluted)	0.93	0.94	1.79	0.61	0.41	0.18
EPS Growth	-	-47.68%	195.06%	48.38%	131.75%	-40.31%
Dividend Per Share	-	-	0.263	0.197	0.137	0.060
Dividend Growth	-	-	33.77%	44.25%	126.37%	-41.80%
Effective Tax Rate	35.31%	34.82%	30.30%	32.12%	18.73%	24.90%

Updated Nov 7, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.