Credito Emiliano S.p.A. (BIT:CE)

Credito Emiliano 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	1,829	2,076	1,894	862.09	584.08	552.24
Interest Income on Investments	44.76	43	40.39	30.78	0.17	0.47
Total Interest Income	1,874	2,119	1,935	892.88	584.24	552.71
Interest Paid on Deposits	691.75	855.43	722.82	147.67	94.45	66.18
Net Interest Income	1,182	1,264	1,212	745.21	489.8	486.54
Net Interest Income Growth (YoY)	-8.58%	4.30%	62.61%	52.15%	0.67%	1.27%
Income From Trading Activities	26.05	26.05	35.57	13.12	14.39	25.5
Gain (Loss) on Sale of Investments	91.21	95.26	102.97	-52.72	198.38	137.37
Other Non-Interest Income	564.06	573.39	530.52	701	613.42	504.52
Total Non-Interest Income	719.4	719.63	670.49	692.83	829.32	684.04
Non-Interest Income Growth (YoY)	8.80%	7.33%	-3.23%	-16.46%	21.24%	-1.84%
Revenues Before Loan Losses	1,901	1,983	1,882	1,438	1,319	1,171
Provision for Loan Losses	50.37	46.1	58.77	55.85	28.72	103.94
Revenue	1,851	1,937	1,823	1,382	1,290	1,067
Revenue Growth (YoY)	-2.19%	6.25%	31.93%	7.11%	20.98%	-4.29%
Salaries and Employee Benefits	618.54	613.75	579.1	546.27	550.68	513.12
Occupancy Expenses	44.9	44.55	46.08	44.43	43.91	41.16
Amortization of Goodwill & Intangibles	64.01	63.05	58.86	53.23	49.3	45.25
Selling, General & Administrative	158.12	179.82	171.84	171.18	158.78	123.93
Other Non-Interest Expense	36.04	132.93	147.44	93.68	109.81	89
Total Non-Interest Expense	914.31	1,026	998.36	901.82	906.15	806
EBT Excluding Unusual Items	936.48	910.92	825.14	480.37	384.25	260.64
Asset Writedown	0.18	0.18	-	-	-	-
Legal Settlements	0.89	-	-	1.23	-3.91	-4.11
Other Unusual Items	-	-	-	-6.41	85.84	-4
Pretax Income	937.54	911.09	825.14	475.19	466.18	252.53
Income Tax Expense	269.49	291.04	263.02	149.05	113.59	50.8
Earnings From Continuing Operations	668.05	620.05	562.12	326.14	352.59	201.73
Minority Interest in Earnings	-	-	-	-0.02	-0.17	-0.13
Net Income	668.05	620.05	562.12	326.12	352.43	201.6
Net Income to Common	668.05	620.05	562.12	326.12	352.43	201.6
Net Income Growth	13.77%	10.31%	72.37%	-7.46%	74.82%	0.14%
Basic Shares Outstanding	341	340	340	340	335	332
Diluted Shares Outstanding	341	340	340	340	335	332
Shares Change (YoY)	-0.01%	0.16%	-0.13%	1.55%	1.10%	0.15%
EPS (Basic)	1.96	1.82	1.65	0.96	1.05	0.61
EPS (Diluted)	1.96	1.82	1.65	0.93	1.05	0.61
EPS Growth	13.95%	10.30%	77.42%	-11.43%	72.69%	0.03%
Dividend Per Share	0.750	0.750	0.450	0.330	0.300	0.200
Dividend Growth	66.67%	66.67%	36.36%	10.00%	50.00%	-
Effective Tax Rate	28.74%	31.94%	31.88%	31.37%	24.37%	20.12%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.