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	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	2,538	2,160	1,909	988.32	590.57	700.96
Interest Income on Investments	199.01	210.01	-615.58	-116.9	149.08	90.45
Total Interest Income	2,737	2,370	1,293	871.42	739.65	791.41
Interest Paid on Deposits	1,187	992.67	201.6	122	146.53	185.11
Net Interest Income	1,551	1,378	1,092	749.42	593.12	606.3
Net Interest Income Growth (YoY)	20.93%	26.21%	45.67%	26.35%	-2.17%	-2.73%
Income From Trading Activities	7.66	7.66	10.3	12.69	-2.95	2.5
Gain (Loss) on Sale of Assets	-233.15	-233.15	16.63	-9.97	3.36	21.92
Gain (Loss) on Sale of Investments	12.7	12.7	26.96	37.54	93.23	238.54
Gain (Loss) on Sale of Equity Investments	102.95	91.95	80.3	40.27	35.38	40.44
Other Non-Interest Income	289.82	288.82	396.45	259.99	189.72	259.77
Total Non-Interest Income	179.97	167.97	530.64	340.51	318.74	563.16
Non-Interest Income Growth (YoY)	-60.72%	-68.35%	55.84%	6.83%	-43.40%	47.65%
Revenues Before Loan Losses	1,731	1,546	1,622	1,090	911.86	1,169
Provision for Loan Losses	121.26	146.26	214.55	182.37	241.91	17.44
Revenue	1,610	1,400	1,408	907.56	669.96	1,152
Revenue Growth (YoY)	4.31%	-0.59%	55.11%	35.47%	-41.85%	14.31%
Salaries and Employee Benefits	530.76	486.76	506.13	437.46	366.63	388.75
Amortization of Goodwill & Intangibles	86.5	90.5	90.4	68.92	49.93	42.68
Selling, General & Administrative	237.83	243.83	228.01	168.23	128.46	146.44
Other Non-Interest Expense	92.61	156.61	169.07	501.45	68.52	392.8
Total Non-Interest Expense	947.7	977.7	993.6	1,176	613.53	970.67
EBT Excluding Unusual Items	661.8	421.8	414.17	-268.49	56.43	181.35
Asset Writedown	-44.46	-44.46	-24.55	-4.64	2.58	0.14
Other Unusual Items	-	-	-	1,301	46.87	-
Pretax Income	610.57	370.57	382.85	1,021	99.1	174.08
Income Tax Expense	178.04	104.04	105.28	-91.77	21.27	1.8
Earnings From Continuing Operations	432.53	266.53	277.57	1,113	77.83	172.28
Minority Interest in Earnings	0.17	0.17	0	0	0.01	0
Net Income	432.7	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	425.85	259.85	270.73	1,106	70.98	165.43
Net Income Growth	58.69%	-3.92%	-75.07%	1330.28%	-54.82%	12.93%
Basic Shares Outstanding	2,618	2,655	2,653	2,034	1,583	1,605
Diluted Shares Outstanding	2,618	2,655	2,653	2,034	1,583	1,605
Shares Change (YoY)	-	0.08%	30.46%	28.48%	-1.36%	-0.12%
EPS (Basic)	0.16	0.10	0.10	0.54	0.04	0.10
EPS (Diluted)	0.16	0.10	0.10	0.54	0.04	0.10
EPS Growth	-	-4.05%	-81.25%	1113.18%	-56.47%	13.58%
Dividend Per Share	-	0.050	0.048	0.027	0.010	-
Dividend Growth	-	3.10%	79.13%	170.20%	-	-
Effective Tax Rate	29.16%	28.07%	27.50%	-	21.47%	1.03%

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