Income Statement Banca Profilo S.p.A.

Stocks

PRO

IT0001073045

Banks

Market Closed - Borsa Italiana Other stock markets 09:15:00 11/06/2026 pm IST			5-day change	1st Jan Change
0.1610 ^EUR	-0.37%		-3.01%	-3.01%

12/05	Banca Profilo S.p.A. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
11/05	Buy-side prevails on MIB; DiaSorin shows strength	AN

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Published financial data: BANCA PROFILO S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.95Cr	4.36Cr	6.89Cr	8.92Cr	6.35Cr
Interest Income On Investments	2.14Cr	1.85Cr	2.64Cr	2.92Cr	1.99Cr
Interest Income, Total	4.09Cr	6.21Cr	9.53Cr	12Cr	8.34Cr
Interest On Deposits	21.52L	25.14L	4Cr	6.59Cr	4.29Cr
Interest Expense, Total	21.52L	25.14L	4Cr	6.59Cr	4.29Cr
Net Interest Income	3.88Cr	5.96Cr	5.53Cr	5.25Cr	4.05Cr
Income From Trading Activities	-96.4L	-1.32Cr	-1.47Cr	-1.19Cr	-40.27L
Gain (Loss) on Sale of Loans	35.55L	7L	27.17L	59.41L	35.82L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	45.88L	-7L	35.91L	49.71L	38.45L
Total Other Non Interest Income	2.75Cr	2.21Cr	2.79Cr	2.07Cr	1.97Cr
Non Interest Income, Total	2.6Cr	89.13L	1.96Cr	1.97Cr	2.31Cr
Revenues Before Provison For Loan Losses	6.47Cr	6.85Cr	7.49Cr	7.22Cr	6.36Cr
Provision For Loan Losses	11.81L	12.9L	22L	17.24L	31.92L
Total Revenues	6.36Cr	6.72Cr	7.27Cr	7.05Cr	6.04Cr
Salaries And Other Employee Benefits	2.88Cr	2.99Cr	3.2Cr	3.21Cr	2.8Cr
Amort. of Goodwill & Intang. Assets	9L	9L	9L	17.05L	19.07L
Occupancy Expense	14.39L	14.45L	14.32L	15.45L	14.62L
Selling General & Admin Expenses, Total	2.32Cr	2.4Cr	2.61Cr	2.03Cr	2.15Cr
Total Other Non Interest Expense	-44.05L	-46.66L	-40.67L	15.88L	10.06L
Non Interest Expense, Total	4.99Cr	5.15Cr	5.64Cr	5.72Cr	5.38Cr
EBT, Excl. Unusual Items	1.37Cr	1.58Cr	1.63Cr	1.33Cr	65.62L
Impairment of Goodwill	-1L	-	-	-	-7L
Asset Writedown	-	-	-	-	-
Legal Settlements	3T	31T	-	-	-
EBT, Incl. Unusual Items	1.35Cr	1.58Cr	1.63Cr	1.33Cr	58.75L
Income Tax Expense	46.55L	46.73L	47.33L	39.89L	-41.28L
Earnings From Continuing Operations	88.89L	1.11Cr	1.15Cr	92.86L	1Cr
Earnings Of Discontinued Operations	27.36L	-	6L	-	-
Net Income to Company	1.16Cr	1.11Cr	1.21Cr	92.86L	1Cr
Minority Interest	88T	-	-	-	-
Net Income - (IS)	1.17Cr	1.11Cr	1.21Cr	92.86L	1Cr
Net Income to Common Incl Extra Items	1.17Cr	1.11Cr	1.21Cr	92.86L	1Cr
Net Income to Common Excl. Extra Items	89.77L	1.11Cr	1.15Cr	92.86L	1Cr
Per Share Items
Net EPS - Basic	0.02	0.02	0.02	0.01	0.02
Basic EPS - Continuing Operations	0.01	0.02	0.02	0.01	0.02
Basic Weighted Average Shares Outstanding	65Cr	66Cr	66Cr	66Cr	66Cr
Net EPS - Diluted	0.02	0.02	0.02	0.01	0.02
Diluted EPS - Continuing Operations	0.01	0.02	0.02	0.01	0.02
Diluted Weighted Average Shares Outstanding	65Cr	66Cr	66Cr	66Cr	66Cr
Normalized Basic EPS	0.01	0.02	0.02	0.01	0.01
Normalized Diluted EPS	0.01	0.02	0.02	0.01	0.01
Dividend Per Share	0.03	0.01	0.02	0.01	0.01
Payout Ratio	214.36	88.43	76.1	110.17	84.5
Supplemental Items
Effective Tax Rate - (Ratio)	34.37	29.57	29.1	30.05	-70.26
Current Domestic Taxes	48.13L	44.24L	44.68L	39.42L	-
Total Current Taxes	48.13L	44.24L	44.68L	39.42L	42.32L
Deferred Domestic Taxes	-2L	2L	3L	47T	-
Total Deferred Taxes	-2L	2L	3L	47T	-83.6L
Normalized Net Income	86.31L	98.57L	1.02Cr	82.97L	41.01L

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.47Cr	6.38Cr	11Cr	13Cr	9.61Cr
Investment Securities, Total	37Cr	37Cr	39Cr	51Cr	44Cr
Trading Asset Securities, Total	38Cr	41Cr	37Cr	47Cr	25Cr
Total investments	75Cr	78Cr	76Cr	97Cr	69Cr
Gross Loans	80Cr	91Cr	111.39Cr	127.36Cr	100Cr
Allowance For Loan Losses	-	-	-	-	-
Net Loans	80Cr	91Cr	111.39Cr	127.36Cr	100Cr
Gross Property Plant And Equipment	7.39Cr	7.61Cr	7.75Cr	7.84Cr	7.68Cr
Accumulated Depreciation	-2.18Cr	-2.5Cr	-2.65Cr	-2.8Cr	-2.79Cr
Net Property Plant And Equipment	5.21Cr	5.11Cr	5.1Cr	5.03Cr	4.89Cr
Goodwill	9L	9L	9L	9L	2L
Other Intangibles, Total	35.63L	60.04L	78.36L	92.71L	87.78L
Investment in Real Estate	12.9L	13L	-	-	-
Other Receivables	1.45Cr	70.68L	77.11L	1.7Cr	97.89L
Restricted Cash	67.68L	72.55L	86.97L	1.02Cr	1.09Cr
Other Current Assets, Total	8L	15.2L	11.8L	11.8L	8L
Deferred Tax Assets Long-Term (Collected)	25.83L	39.48L	32.88L	35.37L	1.14Cr
Other Long-Term Assets, Total	1.35Cr	6.08Cr	7.69Cr	7.83Cr	9.1Cr
Total Assets	166.67Cr	188.75Cr	213.91Cr	254.72Cr	196.67Cr
Liabilities
Accounts Payable, Total	42.13L	41.73L	38.61L	40.2L	54.13L
Accrued Expenses, Total	1.32Cr	1.43Cr	1.88Cr	1.3Cr	63.14L
Interest Bearing Deposits	2.93Cr	7.27Cr	27Cr	45Cr	61Cr
Non-Interest Bearing Deposits	65Cr	66Cr	74Cr	69Cr	41Cr
Total Deposits	68Cr	73Cr	100.68Cr	113.61Cr	102.29Cr
Short-Term Borrowings	67Cr	85Cr	71Cr	95Cr	64Cr
Long-Term Debt	9.84Cr	10Cr	13Cr	11Cr	88.31L
Long-Term Leases	42.78L	40.11L	41.91L	37.53L	27.34L
Current Income Taxes Payable	11.34L	15.22L	12.54L	8L	9L
Other Current Liabilities - (Bank / Utility Template)	2.6Cr	1.27Cr	8.58Cr	15Cr	9.59Cr
Pension & Other Post Retirement Benefits	14.71L	12.62L	11.11L	10L	8L
Deferred Tax Liability Non-Current	12.29L	5L	8L	4L	9L
Other Non Current Liabilities	59.29L	79.5L	1.01Cr	93.85L	1.19Cr
Total Liabilities	150.28Cr	172.7Cr	197.32Cr	238.61Cr	180.02Cr
Common Stock, Total	14Cr	14Cr	14Cr	14Cr	14Cr
Additional Paid In Capital	82T	82T	82T	82T	82T
Retained Earnings	3.06Cr	3.2Cr	3.52Cr	3.4Cr	3.49Cr
Treasury Stock	-56.34L	-51.08L	-44.02L	-42.35L	-41.4L
Comprehensive Income and Other	17.88L	-34.23L	-19.22L	-58.2L	-13.68L
Total Common Equity	16Cr	16Cr	17Cr	16Cr	17Cr
Minority Interest	-	-	-	-	-
Total Equity	16Cr	16Cr	17Cr	16Cr	17Cr
Total Liabilities And Equity	166.67Cr	188.75Cr	213.91Cr	254.72Cr	196.67Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	65Cr	66Cr	66Cr	66Cr	66Cr
ECS Total Common Shares Outstanding	65Cr	66Cr	66Cr	66Cr	66Cr
Book Value / Share	0.25	0.24	0.25	0.24	0.25
Tangible Book Value	16Cr	15Cr	16Cr	15Cr	16Cr
Tangible Book Value Per Share	0.24	0.23	0.24	0.23	0.24
Total Debt	77Cr	96Cr	84Cr	106.84Cr	66Cr
Net Debt	23Cr	35Cr	26Cr	30Cr	11Cr
Full Time Employees	186	195	202	213	173

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.17Cr	1.11Cr	1.21Cr	92.86L	1Cr
Depreciation, Depletion & Amortization	14.39L	14.45L	14.32L	15.45L	14.62L
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	14.39L	14.45L	14.32L	15.45L	14.62L
Amortization of Deferred Charges, Total	9L	9L	9L	17.05L	19.07L
(Gain) Loss on Sale of Investments - (CF)	2.61Cr	-1.33Cr	3.13Cr	-33.61L	8L
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	12.74L	15.34L	24.81L	18.2L	32.48L
Change in Trading Asset Securities	-1.19Cr	-1.99Cr	-4.94Cr	-15Cr	33Cr
Change in Other Net Operating Assets (Collected)	-6.69Cr	5.86Cr	4.23Cr	16Cr	-37Cr
Other Operating Activities	1.15Cr	1.19Cr	1.38Cr	96.49L	-13.59L
Cash from Operations	-2.59Cr	5.23Cr	5.49Cr	3.46Cr	-2.24Cr
Capital Expenditure	-64T	-97T	-4L	-4L	-2L
Sale of Property, Plant, and Equipment	-	-	13L	-	6T
Cash Acquisitions	-	-	-	-	-
Divestitures	-30.34L	-	-	-	-
Purchase / Sale of Intangible Assets	-22.7L	-32.97L	-27.15L	-31.4L	-14.14L
Cash from Investing	-53.68L	-33.94L	-17.71L	-35.82L	-16.24L
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-6L	-	-	-	-
Common Dividends Paid	-2.51Cr	-98.41L	-92.26L	-1.02Cr	-84.53L
Common & Preferred Stock Dividends Paid	-2.51Cr	-98.41L	-92.26L	-1.02Cr	-84.53L
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Cash from Financing	-2.57Cr	-98.41L	-92.26L	-1.02Cr	-84.53L
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-5.7Cr	3.91Cr	4.39Cr	2.08Cr	-3.25Cr
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.51	0.63	0.57	0.4	0.44
Return On Equity %	4.94	6.86	7.06	5.68	6.11
Return on Common Equity	5.28	6.86	7.06	5.68	6.11
Shareholders Value Added	-87.06L	-83.35L	-74.66L	-1.03Cr	-96.49L
Margin Analysis
SG&A Margin	83.29	81.61	81.31	75.65	83.17
Net Interest Income / Total Revenues %	61.02	88.66	76.08	74.52	67.07
EBT Excl. Non-Recurring Items Margin %	21.5	23.45	22.37	18.83	10.86
Income From Continuing Operations Margin %	13.98	16.55	15.86	13.17	16.56
Net Income Margin %	18.43	16.55	16.68	13.17	16.56
Net Avail. For Common Margin %	14.12	16.55	15.86	13.17	16.56
Normalized Net Income Margin	13.58	14.66	13.98	11.77	6.79
Asset quality
Allowance for Credit Losses / Total Loans %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.69	9.13	8.11	6.98	7.26
Total Average Equity / Total Average Assets %	10.25	9.13	8.11	6.98	7.26
Total Equity + Allowance for Loan Losses / Total Loans %	20.54	17.71	14.9	12.65	16.67
Gross Loans / Total Deposits %	118.11	124.54	110.64	112.1	97.63
Net Loans / Total Deposits %	118.11	124.54	110.64	112.1	97.63
Interbank Ratio	35.26	32.88	45.63	21.42	38.88
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	7.29	7.29	1.41	1.2	1.14
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	26.06	53.71	-7.22	-5.02	-22.89
Non Interest Income, 1 Yr. Growth %	-1.3	-65.67	119.78	0.51	17.24
Provision For Loan Losses, 1 Yr. Growth %	274.92	9.23	70.54	-21.64	85.15
Total Revenues, 1 Yr. Growth %	12	5.78	8.12	-3.02	-14.33
Earnings From Cont. Operations, 1 Yr. Growth %	-4.77	25.2	3.59	-19.46	7.72
Net Income, 1 Yr. Growth %	34.49	-4.99	8.93	-23.4	7.72
Normalized Net Income, 1 Yr. Growth %	-4.1	14.2	3.11	-18.37	-50.57
Diluted EPS Before Extra, 1 Yr. Growth %	-5.16	23.04	3.01	-18.21	7.14
Dividend Per Share, 1 Yr. Growth %	72.22	-54.84	10.71	-17.42	-45.31
Gross Loans, 1 Yr. Growth %	19.32	13.64	22.87	14.34	-21.58
Allowance For Loan Losses, 1 Yr. Growth %	-	-	-	-	-
Net Loans, 1 Yr. Growth %	19.32	13.64	22.87	14.34	-21.58
Total Assets, 1 Yr. Growth %	-9.73	13.25	13.33	19.08	-22.79
Total Deposits, 1 Yr Growth %	-4.37	7.77	38.3	12.84	-9.96
Tangible Book Value, 1 Yr. Growth %	-8	-3.6	2.31	-4.01	4.37
Common Equity, 1 Yr. Growth %	-7.15	-2.02	3.35	-2.94	3.36
Total Equity, 1 Yr. Growth %	-16.49	-2.02	3.35	-2.94	3.36
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	1.03	39.2	19.42	-6.13	-14.42
Non Interest Income, 2 Yr. CAGR %	16.55	-41.79	-13.14	48.63	8.55
Provision For Loan Losses, 2 Yr. CAGR %	148.01	102.37	36.49	15.6	20.45
Total Revenues, 2 Yr. CAGR %	5.32	8.84	6.94	2.4	-8.85
Earnings From Cont. Operations, 2 Yr. CAGR %	6.75	9.19	13.89	-8.65	-6.85
Net Income, 2 Yr. CAGR %	18.29	13.04	1.74	-8.65	-9.16
Normalized Net Income, 2 Yr. CAGR %	10.52	4.65	8.52	-8.25	-36.48
Diluted EPS Before Extra, 2 Yr. CAGR %	9.25	8.02	12.67	-9.25	-6.39
Dividend Per Share, 2 Yr. CAGR %	85.59	-11.81	-29.29	-4.38	-32.8
Gross Loans, 2 Yr. CAGR %	-4.92	16.45	18.17	18.53	-5.31
Allowance For Loan Losses, 2 Yr. CAGR %	-	-	-	-	-
Net Loans, 2 Yr. CAGR %	-4.92	16.45	18.17	18.53	-5.31
Total Assets, 2 Yr. CAGR %	-11.08	1.11	13.29	16.17	-4.11
Total Deposits, 2 Yr CAGR %	-12.25	1.52	22.09	24.93	0.8
Tangible Book Value, 2 Yr. CAGR %	0.95	-5.83	-0.69	-0.9	0.09
Common Equity, 2 Yr. CAGR %	-0.43	-4.62	0.63	0.16	0.16
Total Equity, 2 Yr. CAGR %	-6.16	-9.54	0.63	0.16	0.16
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.61	16.2	21.59	10.64	-12.09
Non Interest Income, 3 Yr. CAGR %	7.74	-22.45	-9.36	-8.81	37.33
Provision For Loan Losses, 3 Yr. CAGR %	135.87	88.7	91.15	13.44	35.26
Total Revenues, 3 Yr. CAGR %	6.34	5.48	8.6	3.51	-3.51
Earnings From Cont. Operations, 3 Yr. CAGR %	91.99	12.58	7.29	1.47	-3.49
Net Income, 3 Yr. CAGR %	92.77	9.96	11.66	-7.45	-3.49
Normalized Net Income, 3 Yr. CAGR %	83.68	11.73	4.14	-1.31	-25.34
Diluted EPS Before Extra, 3 Yr. CAGR %	90.35	13.66	6.38	0.49	-4.09
Dividend Per Share, 3 Yr. CAGR %	117.81	15.87	-4.86	-25.54	-20.63
Gross Loans, 3 Yr. CAGR %	-1.22	0.9	18.55	16.88	3.28
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-	-	-
Net Loans, 3 Yr. CAGR %	-1.22	0.9	18.55	16.88	3.28
Total Assets, 3 Yr. CAGR %	-9.6	-3.61	5.03	15.19	1.38
Total Deposits, 3 Yr CAGR %	-11.52	-6.03	12.54	18.93	12.01
Tangible Book Value, 3 Yr. CAGR %	4.04	-0.59	-3.19	-1.81	0.82
Common Equity, 3 Yr. CAGR %	2.64	-0.96	-2.03	-0.57	1.21
Total Equity, 3 Yr. CAGR %	-1.47	-4.8	-5.43	-0.57	1.21
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	10.1	18.7	11.56	6.69	5.66
Non Interest Income, 5 Yr. CAGR %	0.17	-23.47	-1.15	0.6	-2.58
Provision For Loan Losses, 5 Yr. CAGR %	94.89	58.99	89.51	55.11	58.91
Total Revenues, 5 Yr. CAGR %	5.06	2.61	6.58	4.23	1.25
Earnings From Cont. Operations, 5 Yr. CAGR %	29.45	15.32	55.8	3.55	1.39
Net Income, 5 Yr. CAGR %	39.26	16.33	49.29	2.1	2.81
Normalized Net Income, 5 Yr. CAGR %	38.93	16.22	48.81	3.26	-14.55
Diluted EPS Before Extra, 5 Yr. CAGR %	35.68	16.23	54.33	3.91	0.62
Dividend Per Share, 5 Yr. CAGR %	98.73	22.87	38.88	7.3	-17.21
Gross Loans, 5 Yr. CAGR %	18.41	13.93	6.12	7.61	8.36
Allowance For Loan Losses, 5 Yr. CAGR %	-	-	-	-	-
Net Loans, 5 Yr. CAGR %	18.91	14.26	6.12	7.61	8.36
Total Assets, 5 Yr. CAGR %	-1.29	2.22	-1.06	3.86	1.27
Total Deposits, 5 Yr CAGR %	-0.76	-0.53	0.64	5.31	7.69
Tangible Book Value, 5 Yr. CAGR %	1.25	-0.34	2.12	-0.72	-1.89
Common Equity, 5 Yr. CAGR %	1.12	-0.16	1.83	-0.52	-1.16
Total Equity, 5 Yr. CAGR %	-1.47	-2.47	-0.64	-2.85	-3.23