FinecoBank Banca Fineco Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	632.21	708.9	684.01	337.76	243.35
Net Interest Income Growth (YoY)	-10.82%	3.64%	102.52%	38.80%	-9.12%
Income From Trading Activities	102.17	79.61	66.27	77.97	71.64
Gain (Loss) on Sale of Investments	0.07	1.43	0.83	0.09	2.84
Other Non-Interest Income	582.24	523.15	482.47	478.51	453.21
Total Non-Interest Income	683.07	604.89	549.77	605.67	556.94
Non-Interest Income Growth (YoY)	12.93%	10.03%	-9.23%	8.75%	10.72%
Revenues Before Loan Losses	1,315	1,314	1,234	943.42	800.28
Provision for Loan Losses	5.42	0.54	3.1	5.18	0.59
Revenue	1,310	1,313	1,231	938.24	799.69
Revenue Growth (YoY)	-0.26%	6.71%	31.17%	17.33%	5.05%
Salaries and Employee Benefits	145.13	132.08	122.09	112.3	104.9
Occupancy Expenses	23.4	21.14	21.14	20.26	19.53
Amortization of Goodwill & Intangibles	4.34	4.65	6	6.61	6.69
Selling, General & Administrative	178.03	201.4	181.69	181.47	159.93
Other Non-Interest Expense	19.15	14.57	24.73	10.43	11.61
Total Non-Interest Expense	370.04	373.84	355.64	331.06	302.66
EBT Excluding Unusual Items	939.82	939.41	875.05	607.19	497.03
Asset Writedown	-0.01	-	-0.31	-0.67	-0.03
Legal Settlements	-4.32	-0.12	-2.5	-2.16	-2.6
Pretax Income	935.5	939.28	872.24	604.36	494.4
Income Tax Expense	288.46	287	263.14	175.86	113.69
Net Income	647.04	652.29	609.1	428.51	380.71
Net Income to Common	647.04	652.29	609.1	428.51	380.71
Net Income Growth	-0.80%	7.09%	42.15%	12.55%	17.66%
Basic Shares Outstanding	611	611	610	610	610
Diluted Shares Outstanding	613	612	612	611	611
Shares Change (YoY)	0.10%	0.08%	0.06%	0.04%	0.15%
EPS (Basic)	1.06	1.07	1.00	0.70	0.62
EPS (Diluted)	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	30.84%	30.55%	30.17%	29.10%	23.00%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.