Credito Emiliano 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	1,664	2,076	1,894	862.09	584.08
Interest Income on Investments	47.48	43	40.39	30.78	0.17
Total Interest Income	1,712	2,119	1,935	892.88	584.24
Interest Paid on Deposits	563.31	855.43	722.82	147.67	94.45
Net Interest Income	1,148	1,264	1,212	745.21	489.8
Net Interest Income Growth (YoY)	-9.13%	4.30%	62.61%	52.15%	0.67%
Income From Trading Activities	27.4	26.05	35.57	13.12	14.39
Gain (Loss) on Sale of Investments	103.66	95.26	102.97	-52.72	198.38
Other Non-Interest Income	548.85	573.39	530.52	701	613.42
Total Non-Interest Income	704.68	719.63	670.49	692.83	829.32
Non-Interest Income Growth (YoY)	-2.08%	7.33%	-3.23%	-16.46%	21.24%
Revenues Before Loan Losses	1,853	1,983	1,882	1,438	1,319
Provision for Loan Losses	52.83	46.1	58.77	55.85	28.72
Revenue	1,800	1,937	1,823	1,382	1,290
Revenue Growth (YoY)	-7.07%	6.25%	31.93%	7.11%	20.98%
Salaries and Employee Benefits	620.86	613.75	579.1	546.27	550.68
Occupancy Expenses	45.19	44.55	46.08	44.43	43.91
Amortization of Goodwill & Intangibles	65.99	63.05	58.86	53.23	49.3
Selling, General & Administrative	472.17	179.82	171.84	171.18	158.78
Other Non-Interest Expense	-265.43	132.93	147.44	93.68	109.81
Total Non-Interest Expense	931.69	1,026	998.36	901.82	906.15
EBT Excluding Unusual Items	868.65	910.92	825.14	480.37	384.25
Asset Writedown	-	0.18	-	-	-
Legal Settlements	-	-	-	1.23	-3.91
Other Unusual Items	-	-	-	-6.41	85.84
Pretax Income	868.65	911.09	825.14	475.19	466.18
Income Tax Expense	247.18	291.04	263.02	149.05	113.59
Earnings From Continuing Operations	621.47	620.05	562.12	326.14	352.59
Minority Interest in Earnings	-	-	-	-0.02	-0.17
Net Income	621.47	620.05	562.12	326.12	352.43
Net Income to Common	621.47	620.05	562.12	326.12	352.43
Net Income Growth	0.23%	10.31%	72.37%	-7.46%	74.82%
Basic Shares Outstanding	340	340	340	340	335
Diluted Shares Outstanding	340	340	340	340	335
Shares Change (YoY)	-0.26%	0.16%	-0.13%	1.55%	1.10%
EPS (Basic)	1.83	1.82	1.65	0.96	1.05
EPS (Diluted)	1.83	1.82	1.65	0.93	1.05
EPS Growth	0.55%	10.30%	77.42%	-11.43%	72.69%
Dividend Per Share	0.750	0.750	0.450	0.330	0.300
Dividend Growth	-	66.67%	36.36%	10.00%	50.00%
Effective Tax Rate	28.46%	31.94%	31.88%	31.37%	24.37%

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