Banca IFIS S.p.A. (LON:0NBX)

Banca IFIS Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	835.37	774.43	529.1	479.62	446.94
Interest Income on Investments	12.54	16.17	9.85	7.5	3.03
Total Interest Income	847.91	790.6	538.95	487.12	449.96
Interest Paid on Deposits	433.35	343.06	114.23	114.15	107.71
Net Interest Income	414.56	447.54	424.72	372.97	342.25
Net Interest Income Growth (YoY)	-7.37%	5.37%	13.87%	8.98%	0.72%
Income From Trading Activities	-1.92	-5.31	0.63	-1.22	-3.49
Gain (Loss) on Sale of Assets	0.22	0.78	0.47	0.07	-0.53
Gain (Loss) on Sale of Investments	32.81	16.81	12.09	15.95	21.7
Other Non-Interest Income	90.64	98.12	93.51	83.28	74.89
Total Non-Interest Income	154.41	123.3	121.95	107.18	99.87
Non-Interest Income Growth (YoY)	25.23%	1.11%	13.77%	7.32%	3.50%
Revenues Before Loan Losses	568.98	570.84	546.66	480.16	442.12
Provision for Loan Losses	-92.91	-79.34	-55.13	-45.37	49.5
Revenue	661.89	650.18	601.8	525.53	392.62
Revenue Growth (YoY)	1.80%	8.04%	14.51%	33.85%	-16.26%
Salaries and Employee Benefits	169.7	162.69	150.08	141.78	123.37
Occupancy Expenses	12.2	9.72	9.5	10.29	9.03
Amortization of Goodwill & Intangibles	11.06	7.99	7.42	8.45	8.79
Selling, General & Administrative	218.99	221.82	200.41	192.34	190.82
Other Non-Interest Expense	4.65	19.96	21.87	25.56	-7.72
Total Non-Interest Expense	416.59	422.18	389.27	378.42	324.28
EBT Excluding Unusual Items	245.3	227.99	212.53	147.11	68.34
Asset Writedown	-0.02	-	-	-	-
Other Unusual Items	0.06	9.56	0.03	2.77	24.24
Pretax Income	245.34	237.56	211.8	149.87	91.88
Income Tax Expense	82.17	75.64	69.91	47.57	22.74
Earnings From Continuing Operations	163.17	161.92	141.89	102.3	69.14
Minority Interest in Earnings	-1.6	-1.81	-0.8	-1.72	-0.34
Net Income	161.58	160.11	141.09	100.58	68.8
Net Income to Common	161.58	160.11	141.09	100.58	68.8
Net Income Growth	0.92%	13.48%	40.27%	46.19%	-44.11%
Basic Shares Outstanding	53	52	53	53	53
Diluted Shares Outstanding	53	53	53	53	53
Shares Change (YoY)	1.55%	-0.26%	-1.43%	0.02%	0.02%
EPS (Basic)	3.08	3.05	2.68	1.88	1.29
EPS (Diluted)	3.03	3.05	2.68	1.88	1.29
EPS Growth	-0.66%	13.90%	42.44%	46.07%	-44.04%
Dividend Per Share	2.120	2.100	1.400	0.950	0.470
Dividend Growth	0.95%	50.00%	47.37%	102.13%	-57.27%
Effective Tax Rate	33.49%	31.84%	33.01%	31.74%	24.75%

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