BFF Bank S.p.A. (BIT:BFF)

BFF Bank 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 and Dividend Income	599.69	762	638.31	364.6	233.99	245.25
Total Interest Expense	331.78	384.18	345.26	92.99	39.55	46.87
Net Interest Income	267.91	377.83	293.05	271.61	194.44	198.38
Commissions and Fees	109.79	110.52	112.37	127.59	109.28	6.33
Gain (Loss) on Sale of Loans & Receivables	3.1	3.33	22.04	0.17	-0	-
Gain (Loss) on Sale of Investments	-7.01	-7.02	1.7	5.15	2.73	0.36
Other Revenue	14.21	7.89	0.29	12.62	6.63	5.93
Revenue Before Loan Losses	387.99	492.55	429.45	417.15	313.09	211.01
Provision for Loan Losses	3.53	5.57	4.93	5.91	-0.34	3.15
Revenue	384.46	486.98	424.52	411.24	313.43	207.86
Revenue Growth (YoY)	-26.05%	14.71%	3.23%	31.21%	50.79%	0.69%
Salaries & Employee Benefits	77.51	79.51	75.98	74.35	73.23	41.35
Cost of Services Provided	118.73	116.34	124.5	117.02	109.62	41.45
Other Operating Expenses	1.12	-24.45	-20.61	-0.25	-11.63	-4.07
Total Operating Expenses	211.87	185.25	192.92	203.77	181.31	84.26
Operating Income	172.59	301.73	231.59	207.47	132.12	123.6
Earnings From Equity Investments	-	-	-	-	0.2	-
EBT Excluding Unusual Items	172.71	302	231.32	207.54	132.55	123.64
Gain (Loss) on Sale of Investments	5.23	6.38	-0.27	0.29	-0.15	0.01
Other Unusual Items	-3.52	-3.52	3.95	123.38	64.26	0.06
Pretax Income	171.42	301.86	235	331.2	196.66	123.71
Income Tax Expense	47.11	86.18	63.34	99.15	-0.71	32.64
Net Income	124.31	215.68	171.66	232.05	197.37	91.07
Net Income to Common	124.31	215.68	171.66	232.05	197.37	91.07
Net Income Growth	-51.69%	25.64%	-26.02%	17.57%	116.72%	-2.24%
Shares Outstanding (Basic)	-	187	186	185	185	171
Shares Outstanding (Diluted)	-	190	188	186	195	177
Shares Change (YoY)	-	1.06%	1.02%	-4.70%	10.70%	-0.80%
EPS (Basic)	-	1.15	0.92	1.26	1.07	0.53
EPS (Diluted)	-	1.13	0.91	1.25	1.01	0.52
EPS Growth	-	24.18%	-27.20%	23.76%	94.23%	0%
Free Cash Flow	-	10.14	-203.93	133.39	506.52	117.95
Free Cash Flow Per Share	-	0.05	-1.08	0.72	2.59	0.67
Dividend Per Share	-	-	0.979	0.790	1.574	0.019
Dividend Growth	-	-	23.94%	-49.80%	8210.54%	-73.95%
Operating Margin	44.89%	61.96%	54.55%	50.45%	42.15%	59.47%
Profit Margin	32.33%	44.29%	40.44%	56.43%	62.97%	43.81%
Free Cash Flow Margin	-	2.08%	-48.04%	32.44%	161.60%	56.75%
Effective Tax Rate	27.48%	28.55%	26.95%	29.94%	-	26.38%

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