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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	688.47	620.7	336.94	294.44	260	263.51
Interest Income on Investments	0.72	0.6	0.6	0.69	1.77	1.1
Total Interest Income	689.2	621.3	337.54	295.13	261.76	264.61
Interest Paid on Deposits	292.02	250.27	52.16	40.71	37.62	45.34
Net Interest Income	397.18	371.04	285.38	254.42	224.14	219.27
Net Interest Income Growth (YoY)	11.29%	30.02%	12.17%	13.51%	2.22%	-1.35%
Income From Trading Activities	4	4.4	4.54	4.29	2.29	2.81
Gain (Loss) on Sale of Assets	-0.01	-0.01	0.07	-0.1	-0.16	-0.02
Gain (Loss) on Sale of Investments	-2.52	-5.63	-10.08	5.14	4.68	2.09
Other Non-Interest Income	198.98	199.74	180.27	188.43	166.09	166.16
Total Non-Interest Income	198.51	190.3	170.56	186.44	171.15	170.34
Non-Interest Income Growth (YoY)	14.94%	11.57%	-8.51%	8.93%	0.47%	13.97%
Revenues Before Loan Losses	595.69	561.33	455.94	440.86	395.29	389.61
Provision for Loan Losses	42.98	58.61	42.76	86.5	71.72	53.04
Revenue	552.7	502.72	413.18	354.36	323.57	336.57
Revenue Growth (YoY)	12.30%	21.67%	16.60%	9.52%	-3.86%	9.13%
Salaries and Employee Benefits	226.68	205.59	175.74	175.37	169.64	171.35
Occupancy Expenses	18.89	18	16.21	16.27	17.11	17.93
Amortization of Goodwill & Intangibles	4.56	4.04	2.08	1.75	1.36	1.25
Selling, General & Administrative	107.58	114.11	103.6	96.06	92.96	91.48
Other Non-Interest Expense	59.52	16.84	0.69	0.88	-3.59	-12.38
Total Non-Interest Expense	417.23	358.57	298.32	290.32	277.48	269.63
EBT Excluding Unusual Items	135.47	144.15	114.87	64.05	46.09	66.95
Asset Writedown	-0.16	-0.16	-	-0.12	-	-0.63
Legal Settlements	-6.42	-6.42	-4.68	-4.16	-2.51	-5.95
Other Unusual Items	66.32	66.64	0.02	-0.31	-0.02	-2.69
Pretax Income	195.2	204.2	109.89	60.45	31.54	57.68
Income Tax Expense	67.71	61.87	35.3	11.32	7.85	17.52
Earnings From Continuing Operations	127.49	142.34	74.6	49.12	23.69	40.16
Earnings From Discontinued Operations	2.87	98.03	6.87	5.78	-	-
Minority Interest in Earnings	0.72	-	-	-	-	-
Net Income	131.08	240.36	81.46	54.9	23.69	40.16
Net Income to Common	131.08	240.36	81.46	54.9	23.69	40.16
Net Income Growth	-46.09%	195.06%	48.38%	131.75%	-41.01%	13.89%
Basic Shares Outstanding	134	134	134	134	134	136
Diluted Shares Outstanding	134	134	134	134	134	136
Shares Change (YoY)	-	-	-	-	-1.17%	4.41%
EPS (Basic)	0.98	1.79	0.61	0.41	0.18	0.30
EPS (Diluted)	0.98	1.79	0.61	0.41	0.18	0.30
EPS Growth	-	195.06%	48.38%	131.75%	-40.31%	9.07%
Dividend Per Share	-	0.263	0.197	0.137	0.060	0.104
Dividend Growth	-	33.77%	44.25%	126.37%	-41.80%	23.48%
Effective Tax Rate	34.69%	30.30%	32.12%	18.73%	24.90%	30.38%

Source: S&P Capital IQ. Banks template. Financial Sources.