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

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