FinecoBank Banca Fineco S.p.A. (ETR:ZS3)

FinecoBank Banca Fineco Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	830.05	778.4	357.27	250.6	278.32
Interest Income on Investments	-	0.18	0.23	0.21	0.2	0.11
Total Interest Income	-	830.23	778.63	357.48	250.8	278.43
Interest Paid on Deposits	-	121.33	94.61	19.72	7.45	10.65
Net Interest Income	639.78	708.9	684.01	337.76	243.35	267.78
Net Interest Income Growth (YoY)	-10.70%	3.64%	102.52%	38.80%	-9.12%	-5.37%
Income From Trading Activities	99.43	79.61	66.27	77.97	71.64	87.68
Gain (Loss) on Sale of Investments	-1.15	1.43	0.83	0.09	2.84	0.99
Other Non-Interest Income	558.02	523.15	482.47	478.51	453.21	407.12
Total Non-Interest Income	657	604.89	549.77	605.67	556.94	503.02
Non-Interest Income Growth (YoY)	12.04%	10.03%	-9.23%	8.75%	10.72%	36.60%
Revenues Before Loan Losses	1,297	1,314	1,234	943.42	800.28	770.8
Provision for Loan Losses	1.61	0.54	3.1	5.18	0.59	9.57
Revenue	1,295	1,313	1,231	938.24	799.69	761.23
Revenue Growth (YoY)	-0.30%	6.71%	31.17%	17.33%	5.05%	15.94%
Salaries and Employee Benefits	141.44	132.08	122.09	112.3	104.9	94.5
Occupancy Expenses	22.63	21.14	21.14	20.26	19.53	19.68
Amortization of Goodwill & Intangibles	4.65	4.65	6	6.61	6.69	5.76
Selling, General & Administrative	232.87	201.4	181.69	181.47	159.93	167.48
Other Non-Interest Expense	-37.06	14.51	24.73	10.43	11.61	10.96
Total Non-Interest Expense	364.53	373.78	355.64	331.06	302.66	298.38
EBT Excluding Unusual Items	930.64	939.47	875.05	607.19	497.03	462.85
Asset Writedown	-0.06	-0.06	-0.31	-0.67	-0.03	-0.06
Legal Settlements	-0.12	-0.12	-2.5	-2.16	-2.6	-1.63
Other Unusual Items	-	-	-	-	-	-0.07
Pretax Income	930.46	939.28	872.24	604.36	494.4	461.09
Income Tax Expense	287.64	287	263.14	175.86	113.69	137.52
Net Income	642.82	652.29	609.1	428.51	380.71	323.57
Net Income to Common	642.82	652.29	609.1	428.51	380.71	323.57
Net Income Growth	-0.32%	7.09%	42.15%	12.55%	17.66%	12.21%
Basic Shares Outstanding	611	611	610	610	610	609
Diluted Shares Outstanding	611	612	612	611	611	610
Shares Change (YoY)	-	0.08%	0.06%	0.04%	0.15%	0.16%
EPS (Basic)	1.05	1.07	1.00	0.70	0.62	0.53
EPS (Diluted)	1.05	1.07	1.00	0.70	0.62	0.53
EPS Growth	-	7.02%	42.35%	12.52%	17.55%	12.05%
Dividend Per Share	-	0.740	0.690	0.490	0.390	0.530
Dividend Growth	-	7.25%	40.82%	25.64%	-26.41%	-
Effective Tax Rate	30.91%	30.55%	30.17%	29.10%	23.00%	29.83%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.