UniCredit Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	-	34,838	33,919	16,339	12,703	13,182
Interest Income on Investments	-	468	305	437	351	208
Total Interest Income	-	35,306	34,224	16,776	13,054	13,390
Interest Paid on Deposits	-	20,167	19,571	5,715	3,612	3,685
Net Interest Income	15,058	15,139	14,653	11,061	9,442	9,705
Net Interest Income Growth (YoY)	0.60%	3.32%	32.47%	17.15%	-2.71%	-8.16%
Income From Trading Activities	2,747	2,888	2,264	859	1,472	678
Gain (Loss) on Sale of Investments	1,147	261	112	996	-1,797	-456
Other Non-Interest Income	6,728	6,518	6,390	7,051	6,747	5,883
Total Non-Interest Income	10,560	9,605	8,965	9,039	6,475	6,185
Non-Interest Income Growth (YoY)	8.45%	7.14%	-0.82%	39.60%	4.69%	-22.69%
Revenues Before Loan Losses	25,618	24,744	23,618	20,100	15,917	15,890
Provision for Loan Losses	772	750	661	2,031	1,630	4,640
Revenue	24,846	23,994	22,957	18,069	14,287	11,250
Revenue Growth (YoY)	3.48%	4.52%	27.05%	26.47%	27.00%	-25.44%
Salaries and Employee Benefits	5,911	5,894	5,904	5,910	5,953	5,915
Occupancy Expenses	652	673	789	638	770	967
Amortization of Goodwill & Intangibles	493	493	526	514	485	453
Selling, General & Administrative	3,003	2,984	3,405	3,520	3,686	3,531
Other Non-Interest Expense	-651	-489	-426	-122	-61	395
Total Non-Interest Expense	9,408	9,555	10,198	10,460	10,833	11,261
EBT Excluding Unusual Items	15,438	14,439	12,759	7,609	3,454	-11
Asset Writedown	-128	-128	-245	-163	-108	-51
Legal Settlements	-615	-615	-70	-24	-281	-98
Other Unusual Items	5	5	66	191	50	6
Pretax Income	13,824	12,860	11,451	7,289	1,779	-2,505
Income Tax Expense	3,024	3,086	1,917	819	-343	322
Earnings From Continuing Operations	10,800	9,774	9,534	6,470	2,122	-2,827
Earnings From Discontinued Operations	-	-	-	3	4	49
Minority Interest in Earnings	-83	-55	-27	-15	-30	-7
Net Income	10,717	9,719	9,507	6,458	2,096	-2,785
Preferred Dividends & Other Adjustments	247	247	175	74	30	122
Net Income to Common	10,470	9,472	9,332	6,384	2,066	-2,907
Net Income Growth	1.48%	2.23%	47.21%	208.11%	-	-
Basic Shares Outstanding	1,540	1,622	1,828	2,069	2,222	2,227
Diluted Shares Outstanding	1,540	1,638	1,850	2,089	2,236	2,227
Shares Change (YoY)	-	-11.42%	-11.43%	-6.60%	0.42%	-0.46%
EPS (Basic)	6.80	5.84	5.11	3.08	0.93	-1.31
EPS (Diluted)	6.80	5.78	5.04	3.06	0.92	-1.31
EPS Growth	-	14.59%	65.09%	230.74%	-	-
Dividend Per Share	2.905	2.402	1.803	0.987	0.538	0.120
Dividend Growth	6.44%	33.26%	82.63%	83.49%	348.33%	-
Effective Tax Rate	21.88%	24.00%	16.74%	11.24%	-	-

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