BPER Banca SpA (BIT: BPE)

BPER Banca SpA 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	5,100	4,763	2,259	1,763	1,431	1,420
Interest Income on Investments	41.34	30.88	22.12	20.08	18.49	14.1
Total Interest Income	5,141	4,794	2,282	1,783	1,450	1,434
Interest Paid on Deposits	1,706	1,511	433.57	257.38	192.23	255.23
Net Interest Income	3,435	3,283	1,848	1,525	1,257	1,179
Net Interest Income Growth (YoY)	15.27%	77.63%	21.15%	21.32%	6.68%	1.89%
Income From Trading Activities	197.66	152.2	78.25	67.49	-14.22	0.18
Gain (Loss) on Sale of Assets	-	-	308.3	-	-	-
Gain (Loss) on Sale of Investments	-217.36	-108.88	12.72	48.43	21.8	77.08
Other Non-Interest Income	2,041	2,012	1,921	1,637	1,070	927.43
Total Non-Interest Income	2,068	2,114	2,386	1,838	1,208	1,043
Non-Interest Income Growth (YoY)	-14.41%	-11.39%	29.80%	52.19%	15.76%	18.73%
Revenues Before Loan Losses	5,503	5,397	4,234	3,364	2,465	2,222
Provision for Loan Losses	324.41	436.26	606.06	837.19	541.88	447.55
Revenue	5,179	4,961	3,628	2,526	1,923	1,774
Revenue Growth (YoY)	8.80%	36.74%	43.60%	31.36%	8.39%	-1.95%
Salaries and Employee Benefits	1,891	1,680	1,682	1,523	961.08	1,049
Occupancy Expenses	173.07	166.31	149.03	168.43	107.72	125.52
Amortization of Goodwill & Intangibles	122.08	97.08	78.65	111.68	59.7	59.55
Selling, General & Administrative	921.46	975.48	1,140	800.25	574.72	501.91
Other Non-Interest Expense	-119.11	-59.31	80.87	39.05	-12.67	-39.56
Total Non-Interest Expense	2,829	2,813	3,111	2,632	1,693	1,689
EBT Excluding Unusual Items	2,350	2,148	516.8	-105.6	229.81	85.43
Asset Writedown	-45.58	-47.83	-30.16	-64.46	-17.07	-
Legal Settlements	-46.17	-46.17	-53.5	-34.09	-14.41	-11.39
Other Unusual Items	0.02	0	954.96	1,127	-1.6	342.86
Pretax Income	1,936	1,725	1,388	692.87	196.74	416.9
Income Tax Expense	328.21	172.87	-85.79	134.22	-65.19	22.45
Earnings From Continuing Operations	1,608	1,552	1,474	558.65	261.93	394.45
Minority Interest in Earnings	-38.45	-32.27	-24.91	-33.53	-25	-14.87
Net Income	1,569	1,519	1,449	525.12	236.93	379.58
Net Income to Common	1,569	1,519	1,449	525.12	236.93	379.58
Net Income Growth	46.72%	4.87%	175.93%	121.64%	-37.58%	-5.57%
Basic Shares Outstanding	1,414	1,415	1,412	1,412	679	496
Diluted Shares Outstanding	1,451	1,450	1,448	1,448	715	511
Shares Change (YoY)	0.14%	0.19%	-0.03%	102.60%	39.82%	6.31%
EPS (Basic)	1.11	1.07	1.03	0.37	0.35	0.77
EPS (Diluted)	1.08	1.05	1.00	0.36	0.33	0.74
EPS Growth	47.06%	4.96%	175.05%	10.98%	-55.98%	-11.12%
Dividend Per Share	0.300	0.300	0.120	0.060	0.040	0.040
Dividend Growth	150.00%	150.00%	100.00%	50.00%	0%	-69.23%
Effective Tax Rate	16.95%	10.02%	-	19.37%	-	5.38%

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