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	Sep '26 Sep 30, 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	199.73	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	199.95	210.64	196.48	178.66	102.17	98.44
Interest Paid on Deposits	99.88	113.66	146.17	111.48	16.52	16.25
Net Interest Income	100.07	96.98	50.31	67.18	85.66	82.19
Net Interest Income Growth	73.59%	92.77%	-25.12%	-21.57%	4.22%	9.50%
Income From Trading Activities	19.01	28.5	34.22	2.77	-1.52	0.02
Gain (Loss) on Sale of Investments	5.29	11.2	3.38	1.52	0.91	4.12
Other Non-Interest Income	28.34	27.64	26.72	19.65	16.71	15.66
Total Non-Interest Income	56.05	74.04	70.69	36.55	20.1	25.79
Non-Interest Income Growth	-14.89%	4.74%	93.41%	81.86%	-22.08%	-7.94%
Revenues Before Loan Losses	156.12	171.02	121	103.73	105.75	107.98
Provision for Loan Losses	23.2	10.29	0.91	4.75	8.36	10.65
Revenue	132.93	160.73	120.09	98.98	97.4	97.33
Revenue Growth	11.59%	33.84%	21.32%	1.63%	0.07%	5.64%
Salaries and Employee Benefits	33.23	33.5	32.45	29.86	26.03	28.98
Occupancy Expenses	3.48	3.16	2.64	2.68	2.68	2.47
Amortization of Goodwill & Intangibles	1.33	1.33	0.66	0.6	0.31	0.24
Selling, General & Administrative	46.08	44.8	34.05	31.66	27	29.55
Other Non-Interest Expense	3.2	8.83	8.39	8.45	7.41	0.82
Total Non-Interest Expense	87.34	91.62	78.19	73.25	63.42	62.06
EBT Excluding Unusual Items	45.59	69.11	41.9	25.73	33.97	35.28
Other Unusual Items	-	-	-	-	-0.8	-0.82
Pretax Income	32.29	55.81	41.9	25.73	33.17	34.46
Income Tax Expense	15.98	24.19	15.37	8.5	10.66	10.92
Earnings From Continuing Operations	16.31	31.62	26.52	17.23	22.51	23.54
Earnings From Discontinued Operations	-5.92	-	-	-	-0.02	-0.02
Minority Interest in Earnings	-0.74	-2.58	-1.32	-0.72	-0.46	-0.27
Net Income	9.65	29.04	25.2	16.51	22.03	23.25
Net Income to Common	9.65	29.04	25.2	16.51	22.03	23.25
Net Income Growth	-71.52%	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	-	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%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	-	-	-	0.065	0.065	0.072
Dividend Growth	-	-	-	0%	-9.72%	-10.00%
Effective Tax Rate	49.48%	43.34%	36.70%	33.04%	32.13%	31.68%