Banca IFIS 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	-	907.48	835.37	774.43	529.1	479.62
Interest Income on Investments	-	32.06	12.54	16.17	9.85	7.5
Total Interest Income	-	939.54	847.91	790.6	538.95	487.12
Interest Paid on Deposits	-	474.61	433.35	343.06	114.23	114.15
Net Interest Income	461.54	464.93	414.56	447.54	424.72	372.97
Net Interest Income Growth (YoY)	14.08%	12.15%	-7.37%	5.37%	13.87%	8.98%
Income From Trading Activities	5.84	5.84	-1.92	-5.31	0.63	-1.22
Gain (Loss) on Sale of Assets	-1.79	-1.79	0.22	0.78	0.47	0.07
Gain (Loss) on Sale of Investments	19.56	20.31	32.81	16.81	12.09	15.95
Other Non-Interest Income	165.46	124.45	90.64	98.12	93.51	83.28
Total Non-Interest Income	235.52	195.26	154.41	123.3	121.95	107.18
Non-Interest Income Growth (YoY)	49.09%	26.46%	25.23%	1.11%	13.77%	7.32%
Revenues Before Loan Losses	697.06	660.19	568.98	570.84	546.66	480.16
Provision for Loan Losses	-18.91	-21.02	-92.91	-79.34	-55.13	-45.37
Revenue	715.96	681.21	661.89	650.18	601.8	525.53
Revenue Growth (YoY)	9.16%	2.92%	1.80%	8.04%	14.51%	33.85%
Salaries and Employee Benefits	232.88	211.64	169.7	162.69	150.08	141.78
Occupancy Expenses	22.04	17.09	12.22	9.72	9.5	10.29
Amortization of Goodwill & Intangibles	19.39	19.39	11.06	7.99	7.42	8.45
Selling, General & Administrative	282.45	257.97	218.38	221.82	200.41	192.34
Other Non-Interest Expense	1.14	-0.9	4.65	19.96	21.87	25.56
Total Non-Interest Expense	557.9	505.19	416	422.18	389.27	378.42
EBT Excluding Unusual Items	158.06	176.01	245.89	227.99	212.53	147.11
Asset Writedown	-0.33	-0.33	-	-	-	-
Other Unusual Items	200.77	201.13	-0.55	9.56	0.03	2.77
Pretax Income	358.5	376.81	245.34	237.56	211.8	149.87
Income Tax Expense	45.96	47.9	82.17	75.64	69.91	47.57
Earnings From Continuing Operations	312.54	328.91	163.17	161.92	141.89	102.3
Minority Interest in Earnings	-0.56	-0.91	-1.6	-1.81	-0.8	-1.72
Net Income	311.98	328	161.58	160.11	141.09	100.58
Net Income to Common	311.98	328	161.58	160.11	141.09	100.58
Net Income Growth	92.95%	102.99%	0.92%	13.48%	40.27%	46.19%
Basic Shares Outstanding	-	57	53	52	53	53
Diluted Shares Outstanding	-	57	53	53	53	53
Shares Change (YoY)	-	7.48%	1.55%	-0.26%	-1.43%	0.02%
EPS (Basic)	-	5.78	3.08	3.05	2.68	1.88
EPS (Diluted)	-	5.72	3.03	3.05	2.68	1.88
EPS Growth	-	88.78%	-0.66%	13.90%	42.44%	46.07%
Dividend Per Share	2.120	2.120	2.120	2.100	1.400	0.950
Dividend Growth	-	-	0.95%	50.00%	47.37%	102.13%
Effective Tax Rate	12.82%	12.71%	33.49%	31.84%	33.01%	31.74%

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