Intesa Sanpaolo 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
Net Interest Income	14,796	18,090	16,936	11,835	7,993
Net Interest Income Growth	-18.21%	6.81%	43.10%	48.07%	3.38%
Non-Interest Income	12,303	8,368	7,804	3,367	13,056
Non-Interest Income Growth	47.02%	7.23%	131.78%	-74.21%	19.74%
Revenues Before Loan Losses	27,099	26,458	24,740	15,202	21,049
Provision for Credit Losses	-	-1,131	-1,359	-2,579	-2,813
Revenue	27,099	27,589	26,099	17,781	23,862
Revenue Growth (YoY)	-1.78%	5.71%	46.78%	-25.48%	3.78%
Compensation Expenses	7,019	7,422	6,781	6,455	7,187
Selling, General & Admin	3,028	16,572	16,229	15,661	16,837
Other Non-Interest Expenses	2,387	1,264	1,073	1,085	1,013
Total Non-Interest Expense	12,434	25,258	24,083	23,201	25,037
Pretax Income	14,665	12,058	10,746	6,075	5,181
Provision for Income Taxes	3,579	3,399	2,994	1,673	1,138
Net Income	9,301	8,666	7,724	4,379	4,185
Minority Interest in Earnings	20	-7	28	23	-142
Net Income to Common	9,301	8,666	7,724	4,379	4,185
Net Income Growth	7.33%	12.20%	76.39%	4.64%	27.71%
Shares Outstanding (Basic)	17,705	18,054	18,370	19,316	19,378
Shares Outstanding (Diluted)	17,705	18,054	18,370	19,316	19,378
Shares Change (YoY)	-1.94%	-1.72%	-4.89%	-0.32%	6.23%
EPS (Basic)	0.53	0.48	0.42	0.23	0.22
EPS (Diluted)	0.53	0.48	0.42	0.23	0.22
EPS Growth	9.45%	14.29%	82.61%	4.54%	22.22%
Free Cash Flow	0	-40,473	-17,672	101,700	8,030
Free Cash Flow Growth	-	-	-	1166.50%	-
Free Cash Flow Per Share	-	-	-0.96	5.27	0.41
Dividends Per Share	-	0.341	0.296	0.164	0.251
Dividend Growth	-	15.20%	80.60%	-34.60%	601.96%
Profit Margin	34.40%	34.79%	33.76%	36.52%	23.20%
FCF Margin	0.00%	-162.61%	-76.97%	843.63%	46.08%
EBITDA	0	1,758	1,657	1,684	1,592
EBITDA Margin	0.00%	7.06%	7.22%	13.97%	9.13%
Effective Tax Rate	24.41%	28.19%	27.86%	27.54%	21.96%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.