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	Jun '26 Jun 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	206.53	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	206.76	210.64	196.48	178.66	102.17	98.44
Interest Paid on Deposits	100.93	113.66	146.17	111.48	16.52	16.25
Net Interest Income	105.83	96.98	50.31	67.18	85.66	82.19
Net Interest Income Growth	109.64%	92.77%	-25.12%	-21.57%	4.22%	9.50%
Income From Trading Activities	22.64	28.5	34.22	2.77	-1.52	0.02
Gain (Loss) on Sale of Investments	7.36	11.2	3.38	1.52	0.91	4.12
Other Non-Interest Income	29.98	27.64	26.72	19.65	16.71	15.66
Total Non-Interest Income	63.31	74.04	70.69	36.55	20.1	25.79
Non-Interest Income Growth	-5.08%	4.74%	93.41%	81.86%	-22.08%	-7.94%
Revenues Before Loan Losses	169.15	171.02	121	103.73	105.75	107.98
Provision for Loan Losses	23.42	10.29	0.91	4.75	8.36	10.65
Revenue	145.73	160.73	120.09	98.98	97.4	97.33
Revenue Growth	26.19%	33.84%	21.32%	1.63%	0.07%	5.64%
Salaries and Employee Benefits	33.94	33.5	32.45	29.86	26.03	28.98
Occupancy Expenses	3.39	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	46.84	44.8	34.05	31.66	27	29.55
Other Non-Interest Expense	3.47	8.83	8.39	8.45	7.41	0.82
Total Non-Interest Expense	88.97	91.62	78.19	73.25	63.42	62.06
EBT Excluding Unusual Items	56.75	69.11	41.9	25.73	33.97	35.28
Other Unusual Items	-	-	-	-	-0.8	-0.82
Pretax Income	43.47	55.81	41.9	25.73	33.17	34.46
Income Tax Expense	21.03	24.19	15.37	8.5	10.66	10.92
Earnings From Continuing Operations	22.43	31.62	26.52	17.23	22.51	23.54
Earnings From Discontinued Operations	-2.19	-	-	-	-0.02	-0.02
Minority Interest in Earnings	-1.29	-2.58	-1.32	-0.72	-0.46	-0.27
Net Income	18.96	29.04	25.2	16.51	22.03	23.25
Net Income to Common	18.96	29.04	25.2	16.51	22.03	23.25
Net Income Growth	-43.97%	15.25%	52.67%	-25.09%	-5.23%	-11.10%
Basic Shares Outstanding	80	80	80	80	80	80
Diluted Shares Outstanding	80	80	80	80	80	80
Shares Change	0.05%	0.09%	0.14%	0.13%	-0.35%	0.17%
EPS (Basic)	0.24	0.36	0.31	0.21	0.28	0.29
EPS (Diluted)	0.24	0.36	0.31	0.21	0.27	0.29
EPS Growth	-44.05%	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	Jun '26 Jun 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	48.39%	43.34%	36.70%	33.04%	32.13%	31.68%