FinecoBank Banca Fineco S.p.A. (BIT:FBK)

FinecoBank Banca Fineco 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	770.97	830.05	778.4	357.27	250.6	278.32
Interest Income on Investments	0.48	0.18	0.23	0.21	0.2	0.11
Total Interest Income	771.45	830.23	778.63	357.48	250.8	278.43
Interest Paid on Deposits	108.04	121.33	94.61	19.72	7.45	10.65
Net Interest Income	663.41	708.9	684.01	337.76	243.35	267.78
Net Interest Income Growth (YoY)	-7.74%	3.64%	102.52%	38.80%	-9.12%	-5.37%
Income From Trading Activities	93.54	79.61	66.27	77.97	71.64	87.68
Gain (Loss) on Sale of Investments	0.96	1.43	0.83	0.09	2.84	0.99
Other Non-Interest Income	545.01	523.15	482.47	478.51	453.21	407.12
Total Non-Interest Income	637.66	604.89	549.77	605.67	556.94	503.02
Non-Interest Income Growth (YoY)	11.40%	10.03%	-9.23%	8.75%	10.72%	36.60%
Revenues Before Loan Losses	1,301	1,314	1,234	943.42	800.28	770.8
Provision for Loan Losses	3.28	0.54	3.1	5.18	0.59	9.57
Revenue	1,298	1,313	1,231	938.24	799.69	761.23
Revenue Growth (YoY)	0.59%	6.71%	31.17%	17.33%	5.05%	15.94%
Salaries and Employee Benefits	138.95	132.08	122.09	112.3	104.9	94.5
Occupancy Expenses	22.02	21.14	21.14	20.26	19.53	19.68
Amortization of Goodwill & Intangibles	4.65	4.65	6	6.61	6.69	5.76
Selling, General & Administrative	170.87	201.4	181.69	181.47	159.93	167.48
Other Non-Interest Expense	17.42	14.51	24.73	10.43	11.61	10.96
Total Non-Interest Expense	353.91	373.78	355.64	331.06	302.66	298.38
EBT Excluding Unusual Items	943.89	939.47	875.05	607.19	497.03	462.85
Asset Writedown	-0.38	-0.06	-0.31	-0.67	-0.03	-0.06
Legal Settlements	-3.91	-0.12	-2.5	-2.16	-2.6	-1.63
Other Unusual Items	-	-	-	-	-	-0.07
Pretax Income	939.6	939.28	872.24	604.36	494.4	461.09
Income Tax Expense	289.8	287	263.14	175.86	113.69	137.52
Net Income	649.8	652.29	609.1	428.51	380.71	323.57
Net Income to Common	649.8	652.29	609.1	428.51	380.71	323.57
Net Income Growth	4.71%	7.09%	42.15%	12.55%	17.66%	12.21%
Basic Shares Outstanding	611	611	610	610	610	609
Diluted Shares Outstanding	613	612	612	611	611	610
Shares Change (YoY)	0.11%	0.08%	0.06%	0.04%	0.15%	0.16%
EPS (Basic)	1.06	1.07	1.00	0.70	0.62	0.53
EPS (Diluted)	1.06	1.07	1.00	0.70	0.62	0.53
EPS Growth	4.64%	7.02%	42.35%	12.52%	17.55%	12.05%
Dividend Per Share	0.740	0.740	0.690	0.490	0.390	0.530
Dividend Growth	7.25%	7.25%	40.82%	25.64%	-26.41%	-
Effective Tax Rate	30.84%	30.55%	30.17%	29.10%	23.00%	29.83%

Updated Feb 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.