Banca Sistema 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	210.41	196.26	178.43	101.95	98.21
Interest Income on Investments	0.23	0.23	0.23	0.23	0.23
Total Interest Income	210.64	196.48	178.66	102.17	98.44
Interest Paid on Deposits	113.66	146.18	111.48	16.52	16.25
Net Interest Income	96.98	50.31	67.18	85.66	82.19
Net Interest Income Growth (YoY)	92.77%	-25.12%	-21.57%	4.22%	9.50%
Income From Trading Activities	0.03	34.22	2.77	-1.52	0.02
Gain (Loss) on Sale of Investments	11.02	3.38	1.52	0.91	4.12
Gain (Loss) on Sale of Equity Investments	0.01	-	-	-	-
Other Non-Interest Income	56.1	26.72	19.65	16.71	15.66
Total Non-Interest Income	73.86	70.69	36.55	20.1	25.79
Non-Interest Income Growth (YoY)	4.49%	93.41%	81.86%	-22.08%	-7.94%
Revenues Before Loan Losses	170.84	121	103.73	105.75	107.98
Provision for Loan Losses	10.3	0.91	4.75	8.36	10.65
Revenue	160.54	120.09	98.98	97.4	97.33
Revenue Growth (YoY)	33.69%	21.32%	1.63%	0.07%	5.64%
Salaries and Employee Benefits	33.6	31.63	29.86	26.03	28.98
Occupancy Expenses	4.49	2.64	2.68	2.68	2.47
Amortization of Goodwill & Intangibles	-	0.66	0.6	0.31	0.24
Selling, General & Administrative	47.54	33.11	31.66	27	29.55
Other Non-Interest Expense	5.99	9.65	8.45	7.41	0.82
Total Non-Interest Expense	91.44	77.69	73.25	63.42	62.06
EBT Excluding Unusual Items	69.11	42.4	25.73	33.97	35.28
Other Unusual Items	-	-0.5	-	-0.8	-0.82
Pretax Income	69.11	41.9	25.73	33.17	34.46
Income Tax Expense	24.19	15.37	8.5	10.66	10.92
Earnings From Continuing Operations	44.92	26.52	17.23	22.51	23.54
Earnings From Discontinued Operations	-	-	-	-0.02	-0.02
Minority Interest in Earnings	-2.58	-1.32	-0.72	-0.46	-0.27
Net Income	42.34	25.2	16.51	22.03	23.25
Net Income to Common	42.34	25.2	16.51	22.03	23.25
Net Income Growth	68.03%	52.67%	-25.09%	-5.23%	-11.10%
Basic Shares Outstanding	-	80	80	80	80
Diluted Shares Outstanding	-	80	80	80	80
Shares Change (YoY)	-	0.14%	0.13%	-0.35%	0.17%
EPS (Basic)	-	0.31	0.21	0.28	0.29
EPS (Diluted)	-	0.31	0.21	0.27	0.29
EPS Growth	-	52.44%	-25.17%	-4.84%	-9.97%
Dividend Per Share	-	-	0.065	0.065	0.072
Dividend Growth	-	-	-	-9.72%	-10.00%
Effective Tax Rate	35.00%	36.70%	33.04%	32.13%	31.68%

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