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	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	1,046	907.48	835.37	774.43	529.1	479.62
Interest Income on Investments	44.21	32.06	12.54	16.17	9.85	7.5
Total Interest Income	1,090	939.54	847.91	790.6	538.95	487.12
Interest Paid on Deposits	547.16	474.61	433.35	343.06	114.23	114.15
Net Interest Income	542.79	464.93	414.56	447.54	424.72	372.97
Net Interest Income Growth	38.71%	12.15%	-7.37%	5.37%	13.87%	8.98%
Income From Trading Activities	9.74	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	28.46	20.31	32.81	16.81	12.09	15.95
Other Non-Interest Income	150.1	124.45	90.64	98.12	93.51	83.28
Total Non-Interest Income	223.13	195.26	154.41	123.3	121.95	107.18
Non-Interest Income Growth	33.95%	26.46%	25.23%	1.11%	13.77%	7.32%
Revenues Before Loan Losses	765.91	660.19	568.98	570.84	546.66	480.16
Provision for Loan Losses	90.82	-21.02	-92.91	-79.34	-55.13	-45.37
Revenue	675.09	681.21	661.89	650.18	601.8	525.53
Revenue Growth	6.19%	2.92%	1.80%	8.04%	14.51%	33.85%
Salaries and Employee Benefits	231.31	211.64	169.7	162.69	150.08	141.78
Occupancy Expenses	20.39	17.09	12.22	9.72	9.5	10.29
Amortization of Goodwill & Intangibles	25.09	19.39	11.06	7.99	7.42	8.45
Selling, General & Administrative	307.42	257.97	218.38	221.82	200.41	192.34
Other Non-Interest Expense	15.54	-0.9	4.65	19.96	21.87	25.56
Total Non-Interest Expense	599.75	505.19	416	422.18	389.27	378.42
EBT Excluding Unusual Items	75.35	176.01	245.89	227.99	212.53	147.11
Asset Writedown	-0.33	-0.33	-	-	-	-
Other Unusual Items	188.25	201.13	-0.55	9.56	0.03	2.77
Pretax Income	263.26	376.81	245.34	237.56	211.8	149.87
Income Tax Expense	14.04	47.9	82.17	75.64	69.91	47.57
Earnings From Continuing Operations	249.22	328.91	163.17	161.92	141.89	102.3
Minority Interest in Earnings	-0.54	-0.91	-1.6	-1.81	-0.8	-1.72
Net Income	248.68	328	161.58	160.11	141.09	100.58
Net Income to Common	248.68	328	161.58	160.11	141.09	100.58
Net Income Growth	60.36%	102.99%	0.92%	13.48%	40.27%	46.19%
Basic Shares Outstanding	61	57	53	52	53	53
Diluted Shares Outstanding	61	57	53	53	53	53
Shares Change	14.71%	7.48%	1.55%	-0.26%	-1.43%	0.02%
EPS (Basic)	4.08	5.78	3.08	3.05	2.68	1.88
EPS (Diluted)	4.06	5.72	3.03	3.05	2.68	1.88
EPS Growth	39.32%	88.78%	-0.66%	13.90%	42.44%	46.07%

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	0.920	2.120	2.120	2.100	1.400	0.950
Dividend Growth	-56.60%	0%	0.95%	50.00%	47.37%	102.13%
Effective Tax Rate	5.33%	12.71%	33.49%	31.84%	33.01%	31.74%