UniCredit 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	-	34,838	33,919	16,339	12,703
Interest Income on Investments	-	468	305	437	351
Total Interest Income	-	35,306	34,224	16,776	13,054
Interest Paid on Deposits	-	20,167	19,571	5,715	3,612
Net Interest Income	14,712	15,139	14,653	11,061	9,442
Net Interest Income Growth (YoY)	-2.82%	3.32%	32.47%	17.15%	-2.71%
Income From Trading Activities	1,131	2,888	2,264	859	1,472
Gain (Loss) on Sale of Investments	1,284	261	112	996	-1,797
Other Non-Interest Income	8,692	6,518	6,390	7,051	6,747
Total Non-Interest Income	11,107	9,605	8,965	9,039	6,475
Non-Interest Income Growth (YoY)	15.64%	7.14%	-0.82%	39.60%	4.69%
Revenues Before Loan Losses	25,819	24,744	23,618	20,100	15,917
Provision for Loan Losses	662	750	661	2,031	1,630
Revenue	25,157	23,994	22,957	18,069	14,287
Revenue Growth (YoY)	4.85%	4.52%	27.05%	26.47%	27.00%
Salaries and Employee Benefits	5,872	5,894	5,904	5,910	5,953
Occupancy Expenses	1,027	673	789	638	770
Amortization of Goodwill & Intangibles	-	493	526	514	485
Selling, General & Administrative	2,636	2,984	3,405	3,520	3,686
Other Non-Interest Expense	875	-489	-426	-122	-61
Total Non-Interest Expense	10,410	9,555	10,198	10,460	10,833
EBT Excluding Unusual Items	14,747	14,439	12,759	7,609	3,454
Asset Writedown	-	-128	-245	-163	-108
Legal Settlements	-	-615	-70	-24	-281
Other Unusual Items	-	5	66	191	50
Pretax Income	13,570	12,860	11,451	7,289	1,779
Income Tax Expense	2,591	3,086	1,917	819	-343
Earnings From Continuing Operations	10,979	9,774	9,534	6,470	2,122
Earnings From Discontinued Operations	-	-	-	3	4
Minority Interest in Earnings	-64	-55	-27	-15	-30
Net Income	10,915	9,719	9,507	6,458	2,096
Preferred Dividends & Other Adjustments	-	247	175	74	30
Net Income to Common	10,915	9,472	9,332	6,384	2,066
Net Income Growth	12.31%	2.23%	47.21%	208.11%	-
Basic Shares Outstanding	1,536	1,622	1,828	2,069	2,222
Diluted Shares Outstanding	1,549	1,638	1,850	2,089	2,236
Shares Change (YoY)	-5.46%	-11.42%	-11.43%	-6.60%	0.42%
EPS (Basic)	7.11	5.84	5.11	3.08	0.93
EPS (Diluted)	7.05	5.78	5.04	3.06	0.92
EPS Growth	21.89%	14.59%	65.09%	230.74%	-
Dividend Per Share	3.149	2.402	1.803	0.987	0.538
Dividend Growth	31.06%	33.26%	82.63%	83.49%	348.33%
Effective Tax Rate	19.09%	24.00%	16.74%	11.24%	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.