Banca Profilo S.p.A. (BIT:PRO)

Banca Profilo 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	-	89.19	68.92	43.61	19.53	15.87
Interest Income on Investments	-	29.24	26.41	18.52	21.41	16.56
Total Interest Income	-	118.43	95.33	62.13	40.94	32.43
Interest Paid on Deposits	-	65.89	40.02	2.51	2.15	1.66
Net Interest Income	53.68	52.54	55.31	59.62	38.79	30.77
Net Interest Income Growth (YoY)	11.51%	-5.02%	-7.22%	53.71%	26.06%	-19.03%
Income From Trading Activities	-11.92	-11.92	-14.65	-13.21	-9.64	-5.77
Gain (Loss) on Sale of Investments	4.73	4.97	3.59	-0.67	4.59	8.03
Other Non-Interest Income	16.91	20.7	27.93	22.14	27.46	21.01
Total Non-Interest Income	15.66	19.69	19.59	8.91	25.96	26.31
Non-Interest Income Growth (YoY)	-34.19%	0.51%	119.78%	-65.67%	-1.30%	37.64%
Revenues Before Loan Losses	69.34	72.23	74.9	68.53	64.75	57.07
Provision for Loan Losses	2.6	1.72	2.2	1.29	1.18	0.32
Revenue	66.74	70.5	72.7	67.24	63.57	56.76
Revenue Growth (YoY)	-4.20%	-3.02%	8.12%	5.78%	12.00%	-0.95%
Salaries and Employee Benefits	32.65	32.1	32.05	29.86	28.79	24.88
Occupancy Expenses	1.67	1.55	1.43	1.45	1.44	1.34
Amortization of Goodwill & Intangibles	1.71	1.71	0.88	0.85	0.9	0.92
Selling, General & Administrative	21.5	20.29	20.9	23.98	23.18	20.59
Other Non-Interest Expense	2.24	1.59	1.18	-4.67	-4.41	-4.72
Total Non-Interest Expense	59.76	57.23	56.44	51.47	49.9	43.01
EBT Excluding Unusual Items	6.97	13.28	16.26	15.77	13.67	13.74
Legal Settlements	-	-	-	0.03	0	0.05
Pretax Income	6.97	13.28	16.26	15.8	13.54	13.65
Income Tax Expense	2.22	3.99	4.73	4.67	4.66	4.31
Earnings From Continuing Operations	4.76	9.29	11.53	11.13	8.89	9.33
Earnings From Discontinued Operations	-	-	0.59	-	2.74	-1.04
Minority Interest in Earnings	-	-	-	-	0.09	0.41
Net Income	4.76	9.29	12.12	11.13	11.71	8.71
Net Income to Common	4.76	9.29	12.12	11.13	11.71	8.71
Net Income Growth	-43.22%	-23.40%	8.93%	-4.99%	34.49%	4.04%
Basic Shares Outstanding	660	660	674	655	651	670
Diluted Shares Outstanding	660	660	674	655	651	670
Shares Change (YoY)	0.06%	-2.02%	2.88%	0.60%	-2.87%	4.04%
EPS (Basic)	0.01	0.01	0.02	0.02	0.02	0.01
EPS (Diluted)	0.01	0.01	0.02	0.02	0.02	0.01
EPS Growth	-43.82%	-22.22%	5.88%	-5.56%	38.46%	-
Dividend Per Share	0.013	0.013	0.015	0.014	0.031	0.018
Dividend Growth	-17.42%	-17.42%	10.71%	-54.84%	72.22%	100.00%
Effective Tax Rate	31.82%	30.05%	29.10%	29.57%	34.37%	31.60%

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