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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	605.05	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	605.78	650.91	598.81	337.54	295.13	261.76
Interest Paid on Deposits	237.55	266.1	237.08	52.16	40.71	37.62
Net Interest Income	368.23	384.81	361.73	285.38	254.42	224.14
Net Interest Income Growth (YoY)	-4.46%	6.38%	26.76%	12.17%	13.51%	2.22%
Income From Trading Activities	3.68	3.91	4.4	4.54	4.29	2.29
Gain (Loss) on Sale of Assets	-0.04	-0.03	-0.01	0.07	-0.1	-0.16
Gain (Loss) on Sale of Investments	6.89	-0.93	-5.63	-10.08	5.14	4.68
Other Non-Interest Income	205.35	207.58	209.04	180.27	188.43	166.09
Total Non-Interest Income	218.67	212.34	199.6	170.56	186.44	171.15
Non-Interest Income Growth (YoY)	-0.26%	6.38%	17.03%	-8.51%	8.93%	0.47%
Revenues Before Loan Losses	586.9	597.15	561.33	455.94	440.86	395.29
Provision for Loan Losses	42.59	42.07	58.61	42.76	86.5	71.72
Revenue	544.32	555.08	502.72	413.18	354.36	323.57
Revenue Growth (YoY)	-2.02%	10.42%	21.67%	16.60%	9.52%	-3.86%
Salaries and Employee Benefits	244.67	235.1	205.59	175.74	175.37	169.64
Occupancy Expenses	19.21	18.84	18	16.21	16.27	17.11
Amortization of Goodwill & Intangibles	5.04	4.58	4.04	2.08	1.75	1.36
Selling, General & Administrative	108.32	114.17	114.11	103.6	96.06	92.96
Other Non-Interest Expense	-13.84	-1.72	16.84	0.69	0.88	-3.59
Total Non-Interest Expense	363.4	370.96	358.58	298.32	290.32	277.48
EBT Excluding Unusual Items	180.92	184.12	144.14	114.87	64.05	46.09
Asset Writedown	-0.12	-0.12	-0.16	-	-0.12	-
Legal Settlements	-2.85	-2.47	-6.42	-4.68	-4.16	-2.51
Other Unusual Items	5.46	5.48	66.64	0.02	-0.31	-0.02
Pretax Income	183.41	187.01	204.2	109.89	60.45	31.54
Income Tax Expense	66.06	65.11	61.87	35.3	11.32	7.85
Earnings From Continuing Operations	117.35	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	0.49	0.69	-	-	-	-
Net Income	117.84	125.54	240.36	81.46	54.9	23.69
Net Income to Common	117.84	125.54	240.36	81.46	54.9	23.69
Net Income Growth	-5.81%	-47.77%	195.06%	48.38%	131.75%	-41.01%
Basic Shares Outstanding	133	134	134	134	134	134
Diluted Shares Outstanding	133	134	134	134	134	134
Shares Change (YoY)	-0.93%	-0.17%	-	-	-	-1.17%
EPS (Basic)	0.89	0.94	1.79	0.61	0.41	0.18
EPS (Diluted)	0.89	0.94	1.79	0.61	0.41	0.18
EPS Growth	-4.81%	-47.68%	195.06%	48.38%	131.75%	-40.31%
Dividend Per Share	0.457	0.457	0.263	0.197	0.137	0.060
Dividend Growth	73.35%	73.35%	33.77%	44.25%	126.37%	-41.80%
Effective Tax Rate	36.02%	34.82%	30.30%	32.12%	18.73%	24.90%

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