Banca IFIS S.p.A. (FRA:0I6)

Banca IFIS 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	-	835.37	774.43	529.1	479.62	446.94
Interest Income on Investments	-	12.54	16.17	9.85	7.5	3.03
Total Interest Income	-	847.91	790.6	538.95	487.12	449.96
Interest Paid on Deposits	-	433.35	343.06	114.23	114.15	107.71
Net Interest Income	382.96	414.56	447.54	424.72	372.97	342.25
Net Interest Income Growth (YoY)	-27.41%	-7.37%	5.37%	13.87%	8.98%	0.72%
Income From Trading Activities	-1.92	-1.92	-5.31	0.63	-1.22	-3.49
Gain (Loss) on Sale of Assets	0.22	0.22	0.78	0.47	0.07	-0.53
Gain (Loss) on Sale of Investments	32.46	32.81	16.81	12.09	15.95	21.7
Other Non-Interest Income	126.79	90.64	98.12	93.51	83.28	74.89
Total Non-Interest Income	190.22	154.41	123.3	121.95	107.18	99.87
Non-Interest Income Growth (YoY)	28.62%	25.23%	1.11%	13.77%	7.32%	3.50%
Revenues Before Loan Losses	573.18	568.98	570.84	546.66	480.16	442.12
Provision for Loan Losses	-91.37	-92.91	-79.34	-55.13	-45.37	49.5
Revenue	664.55	661.89	650.18	601.8	525.53	392.62
Revenue Growth (YoY)	-12.19%	1.80%	8.04%	14.51%	33.85%	-16.26%
Salaries and Employee Benefits	190.34	169.7	162.69	150.08	141.78	123.37
Occupancy Expenses	19.41	12.2	9.72	9.5	10.29	9.03
Amortization of Goodwill & Intangibles	11.06	11.06	7.99	7.42	8.45	8.79
Selling, General & Administrative	242.7	218.99	221.82	200.41	192.34	190.82
Other Non-Interest Expense	-9.89	4.65	19.96	21.87	25.56	-7.72
Total Non-Interest Expense	453.61	416.59	422.18	389.27	378.42	324.28
EBT Excluding Unusual Items	210.94	245.3	227.99	212.53	147.11	68.34
Asset Writedown	-0.02	-0.02	-	-	-	-
Other Unusual Items	372.16	0.06	9.56	0.03	2.77	24.24
Pretax Income	583.09	245.34	237.56	211.8	149.87	91.88
Income Tax Expense	74.46	82.17	75.64	69.91	47.57	22.74
Earnings From Continuing Operations	508.63	163.17	161.92	141.89	102.3	69.14
Minority Interest in Earnings	-1.36	-1.6	-1.81	-0.8	-1.72	-0.34
Net Income	507.28	161.58	160.11	141.09	100.58	68.8
Net Income to Common	507.28	161.58	160.11	141.09	100.58	68.8
Net Income Growth	213.26%	0.92%	13.48%	40.27%	46.19%	-44.11%
Basic Shares Outstanding	61	53	52	53	53	53
Diluted Shares Outstanding	61	53	53	53	53	53
Shares Change (YoY)	16.19%	1.55%	-0.26%	-1.43%	0.02%	0.02%
EPS (Basic)	8.31	3.08	3.05	2.68	1.88	1.29
EPS (Diluted)	8.31	3.03	3.05	2.68	1.88	1.29
EPS Growth	169.61%	-0.66%	13.90%	42.44%	46.07%	-44.04%
Dividend Per Share	2.120	2.120	2.100	1.400	0.950	0.470
Dividend Growth	-35.76%	0.95%	50.00%	47.37%	102.13%	-57.27%
Effective Tax Rate	12.77%	33.49%	31.84%	33.01%	31.74%	24.75%

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