Credito Emiliano 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	1,653	1,664	2,076	1,894	862.09	584.08
Interest Income on Investments	47.54	47.48	43	40.39	30.78	0.17
Total Interest Income	1,700	1,712	2,119	1,935	892.88	584.24
Interest Paid on Deposits	534.64	563.31	855.43	722.82	147.67	94.45
Net Interest Income	1,166	1,148	1,264	1,212	745.21	489.8
Net Interest Income Growth (YoY)	-4.18%	-9.13%	4.30%	62.61%	52.15%	0.67%
Income From Trading Activities	32.88	27.4	26.05	35.57	13.12	14.39
Gain (Loss) on Sale of Investments	72.47	103.66	95.26	102.97	-52.72	198.38
Other Non-Interest Income	573.09	548.85	573.39	530.52	701	613.42
Total Non-Interest Income	716.13	704.68	719.63	670.49	692.83	829.32
Non-Interest Income Growth (YoY)	-0.11%	-2.08%	7.33%	-3.23%	-16.46%	21.24%
Revenues Before Loan Losses	1,882	1,853	1,983	1,882	1,438	1,319
Provision for Loan Losses	52.23	52.83	46.1	58.77	55.85	28.72
Revenue	1,830	1,800	1,937	1,823	1,382	1,290
Revenue Growth (YoY)	-2.61%	-7.07%	6.25%	31.93%	7.11%	20.98%
Salaries and Employee Benefits	627.24	620.86	613.75	579.1	546.27	550.68
Occupancy Expenses	45.37	45.26	44.38	46.08	44.43	43.91
Amortization of Goodwill & Intangibles	67.33	65.99	63.05	58.86	53.23	49.3
Selling, General & Administrative	171.61	164.6	179.82	171.84	171.18	158.78
Other Non-Interest Expense	134.04	39	131.88	147.44	93.68	109.81
Total Non-Interest Expense	1,038	928.62	1,025	998.36	901.82	906.15
EBT Excluding Unusual Items	792.09	871.71	912.14	825.14	480.37	384.25
Asset Writedown	0.07	0.07	-	-	-	-
Legal Settlements	-3.14	-3.14	-1.04	-	1.23	-3.91
Other Unusual Items	-	-	-	-	-6.41	85.84
Pretax Income	789.02	868.65	911.09	825.14	475.19	466.18
Income Tax Expense	257.32	247.18	291.04	263.02	149.05	113.59
Earnings From Continuing Operations	531.7	621.47	620.05	562.12	326.14	352.59
Minority Interest in Earnings	-0.02	-	-	-	-0.02	-0.17
Net Income	531.68	621.47	620.05	562.12	326.12	352.43
Net Income to Common	531.68	621.47	620.05	562.12	326.12	352.43
Net Income Growth	-22.77%	0.23%	10.31%	72.37%	-7.46%	74.82%
Basic Shares Outstanding	-	340	340	340	340	335
Diluted Shares Outstanding	-	340	340	340	340	335
Shares Change (YoY)	-	-0.05%	0.16%	-0.13%	1.55%	1.10%
EPS (Basic)	-	1.83	1.82	1.65	0.96	1.05
EPS (Diluted)	-	1.83	1.82	1.65	0.93	1.05
EPS Growth	-	0.33%	10.30%	77.42%	-11.43%	72.69%
Dividend Per Share	0.750	0.750	0.750	0.450	0.330	0.300
Dividend Growth	-	-	66.67%	36.36%	10.00%	50.00%
Effective Tax Rate	32.61%	28.46%	31.94%	31.88%	31.37%	24.37%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.