Banco di Desio e della Brianza S.p.A. (BIT:BDB)

BIT:BDB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	577.61	650.16	598.21	336.94	294.44	260
Interest Income on Investments	0.73	0.75	0.6	0.6	0.69	1.77
Total Interest Income	578.34	650.91	598.81	337.54	295.13	261.76
Interest Paid on Deposits	222.15	266.1	237.08	52.16	40.71	37.62
Net Interest Income	356.19	384.81	361.73	285.38	254.42	224.14
Net Interest Income Growth (YoY)	-10.32%	6.38%	26.76%	12.17%	13.51%	2.22%
Income From Trading Activities	5.04	3.91	4.4	4.54	4.29	2.29
Gain (Loss) on Sale of Assets	-0.03	-0.03	-0.01	0.07	-0.1	-0.16
Gain (Loss) on Sale of Investments	7.4	-0.93	-5.63	-10.08	5.14	4.68
Other Non-Interest Income	228.86	207.58	209.04	180.27	188.43	166.09
Total Non-Interest Income	244.88	212.34	199.6	170.56	186.44	171.15
Non-Interest Income Growth (YoY)	23.36%	6.38%	17.03%	-8.51%	8.93%	0.47%
Revenues Before Loan Losses	601.07	597.15	561.33	455.94	440.86	395.29
Provision for Loan Losses	49.56	42.07	58.61	42.76	86.5	71.72
Revenue	551.51	555.08	502.72	413.18	354.36	323.57
Revenue Growth (YoY)	-0.22%	10.42%	21.67%	16.60%	9.52%	-3.86%
Salaries and Employee Benefits	245.22	235.1	205.59	175.74	175.37	169.64
Occupancy Expenses	19.36	18.84	18	16.21	16.27	17.11
Amortization of Goodwill & Intangibles	5.33	4.58	4.04	2.08	1.75	1.36
Selling, General & Administrative	112.23	114.17	114.11	103.6	96.06	92.96
Other Non-Interest Expense	-6.58	-1.72	16.84	0.69	0.88	-3.59
Total Non-Interest Expense	375.56	370.96	358.58	298.32	290.32	277.48
EBT Excluding Unusual Items	175.95	184.12	144.14	114.87	64.05	46.09
Asset Writedown	-0.12	-0.12	-0.16	-	-0.12	-
Legal Settlements	-2.47	-2.47	-6.42	-4.68	-4.16	-2.51
Other Unusual Items	5.45	5.48	66.64	0.02	-0.31	-0.02
Pretax Income	178.81	187.01	204.2	109.89	60.45	31.54
Income Tax Expense	63.72	65.11	61.87	35.3	11.32	7.85
Earnings From Continuing Operations	115.09	121.9	142.34	74.6	49.12	23.69
Earnings From Discontinued Operations	-	2.96	98.03	6.87	5.78	-
Minority Interest in Earnings	-0.04	0.69	-	-	-	-
Net Income	115.05	125.54	240.36	81.46	54.9	23.69
Net Income to Common	115.05	125.54	240.36	81.46	54.9	23.69
Net Income Growth	-12.23%	-47.77%	195.06%	48.38%	131.75%	-41.01%
Basic Shares Outstanding	131	134	134	134	134	134
Diluted Shares Outstanding	131	134	134	134	134	134
Shares Change (YoY)	-	-0.17%	-	-	-	-1.17%
EPS (Basic)	0.88	0.94	1.79	0.61	0.41	0.18
EPS (Diluted)	0.88	0.94	1.79	0.61	0.41	0.18
EPS Growth	-	-47.68%	195.06%	48.38%	131.75%	-40.31%
Dividend Per Share	-	0.457	0.263	0.197	0.137	0.060
Dividend Growth	-	73.35%	33.77%	44.25%	126.37%	-41.80%
Effective Tax Rate	35.64%	34.82%	30.30%	32.12%	18.73%	24.90%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.