Credito Emiliano 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	1,729	2,076	1,894	862.09	584.08	552.24
Interest Income on Investments	44.36	43	40.39	30.78	0.17	0.47
Total Interest Income	1,773	2,119	1,935	892.88	584.24	552.71
Interest Paid on Deposits	613.88	855.43	722.82	147.67	94.45	66.18
Net Interest Income	1,160	1,264	1,212	745.21	489.8	486.54
Net Interest Income Growth (YoY)	-10.06%	4.30%	62.61%	52.15%	0.67%	1.27%
Income From Trading Activities	33.14	26.05	35.57	13.12	14.39	25.5
Gain (Loss) on Sale of Investments	91.11	95.26	102.97	-52.72	198.38	137.37
Other Non-Interest Income	577.49	573.39	530.52	701	613.42	504.52
Total Non-Interest Income	730.85	719.63	670.49	692.83	829.32	684.04
Non-Interest Income Growth (YoY)	7.59%	7.33%	-3.23%	-16.46%	21.24%	-1.84%
Revenues Before Loan Losses	1,890	1,983	1,882	1,438	1,319	1,171
Provision for Loan Losses	56.79	46.1	58.77	55.85	28.72	103.94
Revenue	1,834	1,937	1,823	1,382	1,290	1,067
Revenue Growth (YoY)	-3.83%	6.25%	31.93%	7.11%	20.98%	-4.29%
Salaries and Employee Benefits	624.84	613.75	579.1	546.27	550.68	513.12
Occupancy Expenses	45.16	44.55	46.08	44.43	43.91	41.16
Amortization of Goodwill & Intangibles	64.66	63.05	58.86	53.23	49.3	45.25
Selling, General & Administrative	185.97	179.82	171.84	171.18	158.78	123.93
Other Non-Interest Expense	24.78	132.93	147.44	93.68	109.81	89
Total Non-Interest Expense	938.38	1,026	998.36	901.82	906.15	806
EBT Excluding Unusual Items	895.23	910.92	825.14	480.37	384.25	260.64
Asset Writedown	0.18	0.18	-	-	-	-
Legal Settlements	-	-	-	1.23	-3.91	-4.11
Other Unusual Items	-	-	-	-6.41	85.84	-4
Pretax Income	895.41	911.09	825.14	475.19	466.18	252.53
Income Tax Expense	254.87	291.04	263.02	149.05	113.59	50.8
Earnings From Continuing Operations	640.54	620.05	562.12	326.14	352.59	201.73
Minority Interest in Earnings	-	-	-	-0.02	-0.17	-0.13
Net Income	640.54	620.05	562.12	326.12	352.43	201.6
Net Income to Common	640.54	620.05	562.12	326.12	352.43	201.6
Net Income Growth	5.18%	10.31%	72.37%	-7.46%	74.82%	0.14%
Basic Shares Outstanding	-	340	340	340	335	332
Diluted Shares Outstanding	-	340	340	340	335	332
Shares Change (YoY)	-	0.16%	-0.13%	1.55%	1.10%	0.15%
EPS (Basic)	-	1.82	1.65	0.96	1.05	0.61
EPS (Diluted)	-	1.82	1.65	0.93	1.05	0.61
EPS Growth	-	10.30%	77.42%	-11.43%	72.69%	0.03%
Dividend Per Share	0.750	0.750	0.450	0.330	0.300	0.200
Dividend Growth	66.67%	66.67%	36.36%	10.00%	50.00%	-
Effective Tax Rate	28.46%	31.94%	31.88%	31.37%	24.37%	20.12%

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