Banca IFIS 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
Interest Income on Loans	-	835.37	774.43	529.1	479.62
Interest Income on Investments	-	12.54	16.17	9.85	7.5
Total Interest Income	-	847.91	790.6	538.95	487.12
Interest Paid on Deposits	-	433.35	343.06	114.23	114.15
Net Interest Income	559.35	414.56	447.54	424.72	372.97
Net Interest Income Growth (YoY)	34.92%	-7.37%	5.37%	13.87%	8.98%
Income From Trading Activities	-	-1.92	-5.31	0.63	-1.22
Gain (Loss) on Sale of Assets	-	0.22	0.78	0.47	0.07
Gain (Loss) on Sale of Investments	0.39	32.81	16.81	12.09	15.95
Other Non-Interest Income	230.11	90.64	98.12	93.51	83.28
Total Non-Interest Income	230.51	154.41	123.3	121.95	107.18
Non-Interest Income Growth (YoY)	49.28%	25.23%	1.11%	13.77%	7.32%
Revenues Before Loan Losses	789.85	568.98	570.84	546.66	480.16
Provision for Loan Losses	108.97	-92.91	-79.34	-55.13	-45.37
Revenue	680.88	661.89	650.18	601.8	525.53
Revenue Growth (YoY)	2.87%	1.80%	8.04%	14.51%	33.85%
Salaries and Employee Benefits	209.91	169.7	162.69	150.08	141.78
Occupancy Expenses	36.81	12.2	9.72	9.5	10.29
Amortization of Goodwill & Intangibles	-	11.06	7.99	7.42	8.45
Selling, General & Administrative	299.3	218.99	221.82	200.41	192.34
Other Non-Interest Expense	-40.55	4.65	19.96	21.87	25.56
Total Non-Interest Expense	505.47	416.59	422.18	389.27	378.42
EBT Excluding Unusual Items	175.42	245.3	227.99	212.53	147.11
Asset Writedown	-	-0.02	-	-	-
Other Unusual Items	201.39	0.06	9.56	0.03	2.77
Pretax Income	376.81	245.34	237.56	211.8	149.87
Income Tax Expense	47.9	82.17	75.64	69.91	47.57
Earnings From Continuing Operations	328.91	163.17	161.92	141.89	102.3
Minority Interest in Earnings	-0.91	-1.6	-1.81	-0.8	-1.72
Net Income	328	161.58	160.11	141.09	100.58
Net Income to Common	328	161.58	160.11	141.09	100.58
Net Income Growth	102.99%	0.92%	13.48%	40.27%	46.19%
Basic Shares Outstanding	61	53	52	53	53
Diluted Shares Outstanding	61	53	53	53	53
Shares Change (YoY)	14.42%	1.55%	-0.26%	-1.43%	0.02%
EPS (Basic)	5.37	3.08	3.05	2.68	1.88
EPS (Diluted)	5.37	3.03	3.05	2.68	1.88
EPS Growth	77.23%	-0.66%	13.90%	42.44%	46.07%
Dividend Per Share	2.120	2.120	2.100	1.400	0.950
Dividend Growth	-	0.95%	50.00%	47.37%	102.13%
Effective Tax Rate	12.71%	33.49%	31.84%	33.01%	31.74%

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