Banca Sistema S.p.A. (FRA:B2S)

Banca Sistema 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	189.27	196.26	178.43	101.95	98.21	98.07
Interest Income on Investments	0.23	0.23	0.23	0.23	0.23	0.23
Total Interest Income	189.49	196.48	178.66	102.17	98.44	98.29
Interest Paid on Deposits	123.53	146.18	111.48	16.52	16.25	23.24
Net Interest Income	65.96	50.31	67.18	85.66	82.19	75.06
Net Interest Income Growth (YoY)	32.86%	-25.12%	-21.57%	4.22%	9.50%	-7.24%
Income From Trading Activities	33.42	34.22	2.77	-1.52	0.02	0.04
Gain (Loss) on Sale of Investments	9.97	3.38	1.52	0.91	4.12	6.34
Other Non-Interest Income	26.74	26.72	19.65	16.71	15.66	17.43
Total Non-Interest Income	76.7	70.69	36.55	20.1	25.79	28.02
Non-Interest Income Growth (YoY)	13.82%	93.41%	81.86%	-22.08%	-7.94%	40.94%
Revenues Before Loan Losses	142.67	121	103.73	105.75	107.98	103.08
Provision for Loan Losses	4.45	0.91	4.75	8.36	10.65	10.95
Revenue	138.21	120.09	98.98	97.4	97.33	92.13
Revenue Growth (YoY)	24.08%	21.32%	1.63%	0.07%	5.64%	0.30%
Salaries and Employee Benefits	31.61	31.63	29.86	26.03	28.98	25.53
Occupancy Expenses	3	2.64	2.68	2.68	2.47	1.88
Amortization of Goodwill & Intangibles	1.16	0.66	0.6	0.31	0.24	0.08
Selling, General & Administrative	38.91	33.11	31.66	27	29.55	21.76
Other Non-Interest Expense	6.92	9.65	8.45	7.41	0.82	4.34
Total Non-Interest Expense	81.6	77.69	73.25	63.42	62.06	53.58
EBT Excluding Unusual Items	56.61	42.4	25.73	33.97	35.28	38.55
Other Unusual Items	-0.5	-0.5	-	-0.8	-0.82	0.02
Pretax Income	56.11	41.9	25.73	33.17	34.46	36.86
Income Tax Expense	19.9	15.37	8.5	10.66	10.92	11.19
Earnings From Continuing Operations	36.21	26.52	17.23	22.51	23.54	25.67
Earnings From Discontinued Operations	-	-	-	-0.02	-0.02	-
Minority Interest in Earnings	-2.32	-1.32	-0.72	-0.46	-0.27	0.48
Net Income	33.89	25.2	16.51	22.03	23.25	26.15
Net Income to Common	33.89	25.2	16.51	22.03	23.25	26.15
Net Income Growth	93.99%	52.67%	-25.09%	-5.23%	-11.10%	-12.00%
Basic Shares Outstanding	-	80	80	80	80	80
Diluted Shares Outstanding	-	80	80	80	80	80
Shares Change (YoY)	-	0.14%	0.13%	-0.35%	0.17%	-0.03%
EPS (Basic)	-	0.31	0.21	0.28	0.29	0.33
EPS (Diluted)	-	0.31	0.21	0.27	0.29	0.32
EPS Growth	-	52.44%	-25.17%	-4.84%	-9.97%	-13.29%
Dividend Per Share	-	-	0.065	0.065	0.072	0.080
Dividend Growth	-	-	-	-9.72%	-10.00%	-13.98%
Effective Tax Rate	35.47%	36.70%	33.04%	32.13%	31.68%	30.37%

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