Banca Sistema Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	196.33	210.41	196.26	178.43	101.95	98.21
Interest Income on Investments	0.23	0.23	0.23	0.23	0.23	0.23
Total Interest Income	196.56	210.64	196.48	178.66	102.17	98.44
Interest Paid on Deposits	104.92	113.66	146.17	111.48	16.52	16.25
Net Interest Income	91.64	96.98	50.31	67.18	85.66	82.19
Net Interest Income Growth (YoY)	56.31%	92.77%	-25.12%	-21.57%	4.22%	9.50%
Income From Trading Activities	24.47	28.5	34.22	2.77	-1.52	0.02
Gain (Loss) on Sale of Investments	11.47	11.2	3.38	1.52	0.91	4.12
Other Non-Interest Income	30.75	27.64	26.72	19.65	16.71	15.66
Total Non-Interest Income	70.67	74.04	70.69	36.55	20.1	25.79
Non-Interest Income Growth (YoY)	2.23%	4.74%	93.41%	81.86%	-22.08%	-7.94%
Revenues Before Loan Losses	162.32	171.02	121	103.73	105.75	107.98
Provision for Loan Losses	10.57	10.29	0.91	4.75	8.36	10.65
Revenue	151.75	160.73	120.09	98.98	97.4	97.33
Revenue Growth (YoY)	21.83%	33.84%	21.32%	1.63%	0.07%	5.64%
Salaries and Employee Benefits	33.49	33.5	32.45	29.86	26.03	28.98
Occupancy Expenses	3.23	3.16	2.64	2.68	2.68	2.47
Amortization of Goodwill & Intangibles	1.34	1.33	0.66	0.6	0.31	0.24
Selling, General & Administrative	45.88	44.8	34.05	31.66	27	29.55
Other Non-Interest Expense	7.87	8.83	8.39	8.45	7.41	0.82
Total Non-Interest Expense	91.81	91.62	78.19	73.25	63.42	62.06
EBT Excluding Unusual Items	59.94	69.11	41.9	25.73	33.97	35.28
Other Unusual Items	-	-	-	-	-0.8	-0.82
Pretax Income	46.64	55.81	41.9	25.73	33.17	34.46
Income Tax Expense	21.13	24.19	15.37	8.5	10.66	10.92
Earnings From Continuing Operations	25.51	31.62	26.52	17.23	22.51	23.54
Earnings From Discontinued Operations	-1.49	-	-	-	-0.02	-0.02
Minority Interest in Earnings	-2.78	-2.58	-1.32	-0.72	-0.46	-0.27
Net Income	21.25	29.04	25.2	16.51	22.03	23.25
Net Income to Common	21.25	29.04	25.2	16.51	22.03	23.25
Net Income Growth	-34.95%	15.25%	52.67%	-25.09%	-5.23%	-11.10%
Basic Shares Outstanding	-	80	80	80	80	80
Diluted Shares Outstanding	-	80	80	80	80	80
Shares Change (YoY)	-	0.09%	0.14%	0.13%	-0.35%	0.17%
EPS (Basic)	-	0.36	0.31	0.21	0.28	0.29
EPS (Diluted)	-	0.36	0.31	0.21	0.27	0.29
EPS Growth	-	15.09%	52.44%	-25.17%	-4.84%	-9.97%
Dividend Per Share	-	-	-	0.065	0.065	0.072
Dividend Growth	-	-	-	-	-9.72%	-10.00%
Effective Tax Rate	45.30%	43.34%	36.70%	33.04%	32.13%	31.68%