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	26,937	34,838	33,919	16,339	12,703
Interest Income on Investments	673	468	305	437	351
Total Interest Income	27,610	35,306	34,224	16,776	13,054
Interest Paid on Deposits	12,810	20,167	19,571	5,715	3,612
Net Interest Income	14,800	15,139	14,653	11,061	9,442
Net Interest Income Growth (YoY)	-2.24%	3.32%	32.47%	17.15%	-2.71%
Income From Trading Activities	2,255	2,888	2,264	859	1,472
Gain (Loss) on Sale of Investments	3,005	261	112	996	-1,797
Other Non-Interest Income	5,379	6,518	6,390	7,051	6,747
Total Non-Interest Income	10,747	9,605	8,965	9,039	6,475
Non-Interest Income Growth (YoY)	11.89%	7.14%	-0.82%	39.60%	4.69%
Revenues Before Loan Losses	25,547	24,744	23,618	20,100	15,917
Provision for Loan Losses	499	750	661	2,031	1,630
Revenue	25,048	23,994	22,957	18,069	14,287
Revenue Growth (YoY)	4.39%	4.52%	27.05%	26.47%	27.00%
Salaries and Employee Benefits	5,802	5,894	5,904	5,910	5,953
Occupancy Expenses	609	673	789	638	770
Amortization of Goodwill & Intangibles	557	539	526	514	485
Selling, General & Administrative	2,859	2,984	3,405	3,520	3,686
Other Non-Interest Expense	104	-489	-426	-122	-61
Total Non-Interest Expense	9,931	9,601	10,198	10,460	10,833
EBT Excluding Unusual Items	15,117	14,393	12,759	7,609	3,454
Asset Writedown	-3	-82	-245	-163	-108
Legal Settlements	-391	-615	-70	-24	-281
Other Unusual Items	33	5	66	191	50
Pretax Income	13,569	12,860	11,451	7,289	1,779
Income Tax Expense	2,590	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	206	247	175	74	30
Net Income to Common	10,709	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)	6.97	5.84	5.11	3.08	0.93
EPS (Diluted)	6.91	5.78	5.04	3.06	0.92
EPS Growth	19.60%	14.59%	65.09%	230.74%	-
Dividend Per Share	3.149	2.402	1.803	0.987	0.538
Dividend Growth	31.09%	33.23%	82.63%	83.49%	348.33%
Effective Tax Rate	19.09%	24.00%	16.74%	11.24%	-

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