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	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	731.3	716.94	830.05	778.4	357.27	250.6
Interest Income on Investments	0.95	0.59	0.18	0.23	0.21	0.2
Total Interest Income	732.26	717.53	830.23	778.63	357.48	250.8
Interest Paid on Deposits	77.54	85.32	121.33	94.61	19.72	7.45
Net Interest Income	654.72	632.21	708.9	684.01	337.76	243.35
Net Interest Income Growth	-1.31%	-10.82%	3.64%	102.52%	38.80%	-9.12%
Income From Trading Activities	109.78	102.17	79.61	66.27	77.97	71.64
Gain (Loss) on Sale of Investments	1.19	0.07	1.43	0.83	0.09	2.84
Other Non-Interest Income	620.11	582.24	523.15	482.47	478.51	453.21
Total Non-Interest Income	729.52	683.07	604.89	549.77	605.67	556.94
Non-Interest Income Growth	14.41%	12.93%	10.03%	-9.23%	8.75%	10.72%
Revenues Before Loan Losses	1,384	1,315	1,314	1,234	943.42	800.28
Provision for Loan Losses	4.28	5.42	0.54	3.1	5.18	0.59
Revenue	1,380	1,310	1,313	1,231	938.24	799.69
Revenue Growth	6.33%	-0.26%	6.71%	31.17%	17.33%	5.05%
Salaries and Employee Benefits	153.12	145.13	132.08	122.09	112.3	104.9
Occupancy Expenses	24.14	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	195.64	178.03	201.4	181.69	181.47	159.93
Other Non-Interest Expense	18.04	19.15	14.57	24.73	10.43	11.61
Total Non-Interest Expense	395.28	370.04	373.84	355.64	331.06	302.66
EBT Excluding Unusual Items	984.68	939.82	939.41	875.05	607.19	497.03
Asset Writedown	-0.01	-0.01	-	-0.31	-0.67	-0.03
Legal Settlements	-5.3	-4.32	-0.12	-2.5	-2.16	-2.6
Pretax Income	979.37	935.5	939.28	872.24	604.36	494.4
Income Tax Expense	309.8	288.46	287	263.14	175.86	113.69
Net Income	669.57	647.04	652.29	609.1	428.51	380.71
Net Income to Common	669.57	647.04	652.29	609.1	428.51	380.71
Net Income Growth	3.04%	-0.80%	7.09%	42.15%	12.55%	17.66%
Basic Shares Outstanding	612	611	611	610	610	610
Diluted Shares Outstanding	613	613	612	612	611	611
Shares Change	0.07%	0.10%	0.08%	0.06%	0.04%	0.15%
EPS (Basic)	1.09	1.06	1.07	1.00	0.70	0.62
EPS (Diluted)	1.09	1.06	1.07	1.00	0.70	0.62
EPS Growth	2.96%	-0.89%	7.02%	42.35%	12.52%	17.55%

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	0.790	0.790	0.740	0.690	0.490	0.390
Dividend Growth	6.76%	6.76%	7.25%	40.82%	25.64%	-26.41%
Effective Tax Rate	31.63%	30.84%	30.55%	30.17%	29.10%	23.00%