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	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	1,684	1,664	2,076	1,894	862.09	584.08
Interest Income on Investments	48.09	47.48	43	40.39	30.78	0.17
Total Interest Income	1,732	1,712	2,119	1,935	892.88	584.24
Interest Paid on Deposits	539.07	563.31	855.43	722.82	147.67	94.45
Net Interest Income	1,193	1,148	1,264	1,212	745.21	489.8
Net Interest Income Growth	0.92%	-9.13%	4.30%	62.61%	52.15%	0.67%
Income From Trading Activities	41.24	27.4	26.05	35.57	13.12	14.39
Gain (Loss) on Sale of Investments	161.67	103.66	95.26	102.97	-52.72	198.38
Other Non-Interest Income	525.43	548.85	573.39	530.52	701	613.42
Total Non-Interest Income	775.93	704.68	719.63	670.49	692.83	829.32
Non-Interest Income Growth	7.86%	-2.08%	7.33%	-3.23%	-16.46%	21.24%
Revenues Before Loan Losses	1,969	1,853	1,983	1,882	1,438	1,319
Provision for Loan Losses	63.48	52.83	46.1	58.77	55.85	28.72
Revenue	1,905	1,800	1,937	1,823	1,382	1,290
Revenue Growth	2.94%	-7.07%	6.25%	31.93%	7.11%	20.98%
Salaries and Employee Benefits	637.77	620.86	613.75	579.1	546.27	550.68
Occupancy Expenses	45.56	45.26	44.38	46.08	44.43	43.91
Amortization of Goodwill & Intangibles	68.93	65.99	63.05	58.86	53.23	49.3
Selling, General & Administrative	162.89	164.6	179.82	171.84	171.18	158.78
Other Non-Interest Expense	57.13	39	131.88	147.44	93.68	109.81
Total Non-Interest Expense	964.79	928.62	1,025	998.36	901.82	906.15
EBT Excluding Unusual Items	940.34	871.71	912.14	825.14	480.37	384.25
Asset Writedown	0.07	0.07	-	-	-	-
Legal Settlements	-2.37	-3.14	-1.04	-	1.23	-3.91
Other Unusual Items	-87.6	-	-	-	-6.41	85.84
Pretax Income	850.44	868.65	911.09	825.14	475.19	466.18
Income Tax Expense	287.82	247.18	291.04	263.02	149.05	113.59
Earnings From Continuing Operations	562.62	621.47	620.05	562.12	326.14	352.59
Minority Interest in Earnings	-0.03	-	-	-	-0.02	-0.17
Net Income	562.59	621.47	620.05	562.12	326.12	352.43
Net Income to Common	562.59	621.47	620.05	562.12	326.12	352.43
Net Income Growth	-15.79%	0.23%	10.31%	72.37%	-7.46%	74.82%
Basic Shares Outstanding	340	340	340	340	340	335
Diluted Shares Outstanding	340	340	340	340	340	335
Shares Change	-0.23%	-0.05%	0.16%	-0.13%	1.55%	1.10%
EPS (Basic)	1.66	1.83	1.82	1.65	0.96	1.05
EPS (Diluted)	1.66	1.83	1.82	1.65	0.93	1.05
EPS Growth	-15.55%	0.33%	10.30%	77.42%	-11.43%	72.69%

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	0.750	0.750	0.750	0.450	0.330	0.300
Dividend Growth	0%	0%	66.67%	36.36%	10.00%	50.00%
Effective Tax Rate	33.84%	28.46%	31.94%	31.88%	31.37%	24.37%