BPER Banca SpA (BIT:BPE)

BPER Banca SpA 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	4,676	5,014	4,763	2,259	1,763	1,431
Interest Income on Investments	47.75	41.82	30.88	22.12	20.08	18.49
Total Interest Income	4,724	5,055	4,794	2,282	1,783	1,450
Interest Paid on Deposits	1,355	1,637	1,511	433.57	257.38	192.23
Net Interest Income	3,368	3,419	3,283	1,848	1,525	1,257
Net Interest Income Growth (YoY)	-1.86%	4.14%	77.63%	21.15%	21.32%	6.68%
Income From Trading Activities	231.87	95.43	152.2	78.25	67.49	-14.22
Gain (Loss) on Sale of Assets	-	-	-	308.3	-	-
Gain (Loss) on Sale of Investments	-230.23	-131.34	-108.88	12.72	48.43	21.8
Other Non-Interest Income	2,077	2,041	1,971	1,921	1,637	1,070
Total Non-Interest Income	2,143	2,070	2,073	2,386	1,838	1,208
Non-Interest Income Growth (YoY)	3.84%	-0.15%	-13.11%	29.80%	52.19%	15.76%
Revenues Before Loan Losses	5,511	5,489	5,356	4,234	3,364	2,465
Provision for Loan Losses	297.86	331.76	436.26	606.06	837.19	541.88
Revenue	5,213	5,157	4,920	3,628	2,526	1,923
Revenue Growth (YoY)	1.14%	4.82%	35.60%	43.60%	31.36%	8.39%
Salaries and Employee Benefits	1,652	1,886	1,680	1,682	1,523	961.08
Occupancy Expenses	173.56	172.71	166.49	149.03	168.43	107.72
Amortization of Goodwill & Intangibles	144.67	126.99	97.08	78.65	111.68	59.7
Selling, General & Administrative	784.93	918.11	947.89	1,140	800.25	574.72
Other Non-Interest Expense	-103.17	-47.46	-72.87	80.87	39.05	-12.67
Total Non-Interest Expense	2,738	3,004	2,772	3,111	2,632	1,693
EBT Excluding Unusual Items	2,475	2,153	2,147	516.8	-105.6	229.81
Asset Writedown	-63.85	-64.94	-47.66	-30.16	-64.46	-17.07
Legal Settlements	-33.87	-33.87	-46.17	-53.5	-34.09	-14.41
Other Unusual Items	1.05	0.02	0	954.96	1,127	-1.6
Pretax Income	2,379	2,054	1,725	1,388	692.87	196.74
Income Tax Expense	761.25	615.47	172.87	-85.79	134.22	-65.19
Earnings From Continuing Operations	1,617	1,439	1,552	1,474	558.65	261.93
Minority Interest in Earnings	-35.48	-35.86	-32.27	-24.91	-33.53	-25
Net Income	1,582	1,403	1,519	1,449	525.12	236.93
Net Income to Common	1,582	1,403	1,519	1,449	525.12	236.93
Net Income Growth	2.78%	-7.69%	4.87%	175.93%	121.64%	-37.58%
Basic Shares Outstanding	1,417	1,416	1,415	1,412	1,412	679
Diluted Shares Outstanding	1,448	1,449	1,450	1,448	1,448	715
Shares Change (YoY)	-0.14%	-0.10%	0.19%	-0.03%	102.60%	39.82%
EPS (Basic)	1.12	0.99	1.07	1.03	0.37	0.35
EPS (Diluted)	1.09	0.97	1.05	1.00	0.36	0.33
EPS Growth	2.90%	-7.63%	4.96%	175.05%	10.98%	-55.98%
Dividend Per Share	0.600	0.600	0.300	0.120	0.060	0.040
Dividend Growth	100.00%	100.00%	150.00%	100.00%	50.00%	-
Effective Tax Rate	32.00%	29.97%	10.02%	-	19.37%	-

Updated Feb 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.