Unicaja Banco, S.A. (BME: UNI)

Unicaja Banco Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	2,350	2,160	1,909	988.32	590.57	700.96
Interest Income on Investments	340.06	210.01	-615.58	-116.9	149.08	90.45
Total Interest Income	2,690	2,370	1,293	871.42	739.65	791.41
Interest Paid on Deposits	1,163	992.67	201.6	122	146.53	185.11
Net Interest Income	1,527	1,378	1,092	749.42	593.12	606.3
Net Interest Income Growth (YoY)	26.83%	26.21%	45.67%	26.35%	-2.17%	-2.73%
Income From Trading Activities	6.64	7.66	10.3	12.69	-2.95	2.5
Gain (Loss) on Sale of Assets	-207.63	-233.15	16.63	-9.97	3.36	21.92
Gain (Loss) on Sale of Investments	7.13	12.7	26.96	37.54	93.23	238.54
Gain (Loss) on Sale of Equity Investments	102.75	91.95	80.3	40.27	35.38	40.44
Other Non-Interest Income	309.57	288.82	396.45	259.99	189.72	259.77
Total Non-Interest Income	218.45	167.97	530.64	340.51	318.74	563.16
Non-Interest Income Growth (YoY)	-45.21%	-68.35%	55.84%	6.83%	-43.40%	47.65%
Revenues Before Loan Losses	1,745	1,546	1,622	1,090	911.86	1,169
Provision for Loan Losses	130.06	146.26	214.55	182.37	241.91	17.44
Revenue	1,615	1,400	1,408	907.56	669.96	1,152
Revenue Growth (YoY)	15.26%	-0.59%	55.11%	35.47%	-41.85%	14.31%
Salaries and Employee Benefits	512.63	486.76	506.13	437.46	366.63	388.75
Amortization of Goodwill & Intangibles	89.06	90.5	90.4	68.92	49.93	42.68
Selling, General & Administrative	240.26	243.83	228.01	168.23	128.46	146.44
Other Non-Interest Expense	155.76	156.61	169.07	501.45	68.52	392.8
Total Non-Interest Expense	997.7	977.7	993.6	1,176	613.53	970.67
EBT Excluding Unusual Items	617.27	421.8	414.17	-268.49	56.43	181.35
Asset Writedown	-30.96	-44.46	-24.55	-4.64	2.58	0.14
Other Unusual Items	-	-	-	1,301	46.87	-
Pretax Income	579.63	370.57	382.85	1,021	99.1	174.08
Income Tax Expense	166.91	104.04	105.28	-91.77	21.27	1.8
Earnings From Continuing Operations	412.72	266.53	277.57	1,113	77.83	172.28
Minority Interest in Earnings	0.18	0.17	0	0	0.01	0
Net Income	412.9	266.7	277.58	1,113	77.83	172.28
Preferred Dividends & Other Adjustments	6.85	6.85	6.85	6.85	6.85	6.85
Net Income to Common	406.05	259.85	270.73	1,106	70.98	165.43
Net Income Growth	61.59%	-3.92%	-75.07%	1330.28%	-54.82%	12.93%
Basic Shares Outstanding	2,649	2,655	2,653	2,034	1,583	1,605
Diluted Shares Outstanding	2,649	2,655	2,653	2,034	1,583	1,605
Shares Change (YoY)	-0.21%	0.08%	30.46%	28.48%	-1.36%	-0.12%
EPS (Basic)	0.15	0.10	0.10	0.54	0.04	0.10
EPS (Diluted)	0.15	0.10	0.10	0.54	0.04	0.10
EPS Growth	64.79%	-4.05%	-81.25%	1113.18%	-56.47%	13.58%
Dividend Per Share	0.050	0.050	0.048	0.027	0.010	-
Dividend Growth	3.10%	3.10%	79.13%	170.20%	-	-
Effective Tax Rate	28.80%	28.07%	27.50%	-	21.47%	1.03%

Source: S&P Capital IQ. Banks template. Financial Sources.