Banca IFIS 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	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	464.93	414.56	447.54	424.72	372.97
Net Interest Income Growth (YoY)	12.15%	-7.37%	5.37%	13.87%	8.98%
Income From Trading Activities	5.84	-1.92	-5.31	0.63	-1.22
Gain (Loss) on Sale of Assets	-1.79	0.22	0.78	0.47	0.07
Gain (Loss) on Sale of Investments	20.31	32.81	16.81	12.09	15.95
Other Non-Interest Income	124.45	90.64	98.12	93.51	83.28
Total Non-Interest Income	195.26	154.41	123.3	121.95	107.18
Non-Interest Income Growth (YoY)	26.46%	25.23%	1.11%	13.77%	7.32%
Revenues Before Loan Losses	660.19	568.98	570.84	546.66	480.16
Provision for Loan Losses	-21.02	-92.91	-79.34	-55.13	-45.37
Revenue	681.21	661.89	650.18	601.8	525.53
Revenue Growth (YoY)	2.92%	1.80%	8.04%	14.51%	33.85%
Salaries and Employee Benefits	211.64	169.7	162.69	150.08	141.78
Occupancy Expenses	17.09	12.22	9.72	9.5	10.29
Amortization of Goodwill & Intangibles	19.39	11.06	7.99	7.42	8.45
Selling, General & Administrative	257.97	218.38	221.82	200.41	192.34
Other Non-Interest Expense	-0.9	4.65	19.96	21.87	25.56
Total Non-Interest Expense	505.19	416	422.18	389.27	378.42
EBT Excluding Unusual Items	176.01	245.89	227.99	212.53	147.11
Asset Writedown	-0.33	-	-	-	-
Other Unusual Items	201.13	-0.55	9.56	0.03	2.77
Pretax Income	376.81	245.34	237.56	211.8	149.87
Income Tax Expense	47.9	82.17	75.64	69.91	47.57
Earnings From Continuing Operations	328.91	163.17	161.92	141.89	102.3
Minority Interest in Earnings	-0.91	-1.6	-1.81	-0.8	-1.72
Net Income	328	161.58	160.11	141.09	100.58
Net Income to Common	328	161.58	160.11	141.09	100.58
Net Income Growth	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	2.100	1.400	0.950
Dividend Growth	-	0.95%	50.00%	47.37%	102.13%
Effective Tax Rate	12.71%	33.49%	31.84%	33.01%	31.74%

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