FinecoBank Banca Fineco 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	-	716.94	830.05	778.4	357.27	250.6
Interest Income on Investments	-	0.59	0.18	0.23	0.21	0.2
Total Interest Income	-	717.53	830.23	778.63	357.48	250.8
Interest Paid on Deposits	-	85.32	121.33	94.61	19.72	7.45
Net Interest Income	633.94	632.21	708.9	684.01	337.76	243.35
Net Interest Income Growth (YoY)	-8.05%	-10.82%	3.64%	102.52%	38.80%	-9.12%
Income From Trading Activities	102.79	102.17	79.61	66.27	77.97	71.64
Gain (Loss) on Sale of Investments	0.68	0.07	1.43	0.83	0.09	2.84
Other Non-Interest Income	593.51	582.24	523.15	482.47	478.51	453.21
Total Non-Interest Income	695.56	683.07	604.89	549.77	605.67	556.94
Non-Interest Income Growth (YoY)	11.24%	12.93%	10.03%	-9.23%	8.75%	10.72%
Revenues Before Loan Losses	1,330	1,315	1,314	1,234	943.42	800.28
Provision for Loan Losses	5.98	5.42	0.54	3.1	5.18	0.59
Revenue	1,324	1,310	1,313	1,231	938.24	799.69
Revenue Growth (YoY)	0.76%	-0.26%	6.71%	31.17%	17.33%	5.05%
Salaries and Employee Benefits	148.05	145.13	132.08	122.09	112.3	104.9
Occupancy Expenses	23.89	23.4	21.14	21.14	20.26	19.53
Amortization of Goodwill & Intangibles	4.34	4.34	4.65	6	6.61	6.69
Selling, General & Administrative	191.48	178.03	201.4	181.69	181.47	159.93
Other Non-Interest Expense	11.23	19.15	14.57	24.73	10.43	11.61
Total Non-Interest Expense	378.99	370.04	373.84	355.64	331.06	302.66
EBT Excluding Unusual Items	944.53	939.82	939.41	875.05	607.19	497.03
Asset Writedown	-0.01	-0.01	-	-0.31	-0.67	-0.03
Legal Settlements	-4.32	-4.32	-0.12	-2.5	-2.16	-2.6
Pretax Income	940.21	935.5	939.28	872.24	604.36	494.4
Income Tax Expense	295.17	288.46	287	263.14	175.86	113.69
Net Income	645.04	647.04	652.29	609.1	428.51	380.71
Net Income to Common	645.04	647.04	652.29	609.1	428.51	380.71
Net Income Growth	-3.65%	-0.80%	7.09%	42.15%	12.55%	17.66%
Basic Shares Outstanding	611	611	611	610	610	610
Diluted Shares Outstanding	611	613	612	612	611	611
Shares Change (YoY)	-	0.10%	0.08%	0.06%	0.04%	0.15%
EPS (Basic)	1.05	1.06	1.07	1.00	0.70	0.62
EPS (Diluted)	1.05	1.06	1.07	1.00	0.70	0.62
EPS Growth	-	-0.89%	7.02%	42.35%	12.52%	17.55%
Dividend Per Share	-	0.790	0.740	0.690	0.490	0.390
Dividend Growth	-	6.76%	7.25%	40.82%	25.64%	-26.41%
Effective Tax Rate	31.39%	30.84%	30.55%	30.17%	29.10%	23.00%

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