Financial Ratios Mediobanca S.p.A.

Equities

MB

IT0000062957

Banks

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Published financial data: MEDIOBANCA S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Interest Income On Loans	181.99Cr	184.8Cr	283.41Cr	397.3Cr	370.39Cr
Interest Income On Investments	11Cr	12Cr	7.88Cr	14Cr	7.72Cr
Interest Income, Total	192.68Cr	196.58Cr	291.28Cr	411.1Cr	378.11Cr
Interest On Deposits	40Cr	35Cr	102.65Cr	202.55Cr	194.55Cr
Interest Expense, Total	40Cr	35Cr	102.65Cr	202.55Cr	194.55Cr
Net Interest Income	152.45Cr	161.21Cr	188.64Cr	208.56Cr	183.56Cr
Income From Trading Activities	8.39Cr	-8.48Cr	9.94Cr	3.97Cr	-13Cr
Gain (Loss) on Sale of Loans	-1Cr	3.11Cr	44.27L	6L	7.02Cr
Gain (Loss) on Sale of Assets	-	-51L	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	40Cr	41Cr	44Cr	55Cr	29Cr
Total Other Non Interest Income	62Cr	70Cr	71Cr	83Cr	85Cr
Non Interest Income, Total	109.1Cr	105.08Cr	125.56Cr	142.36Cr	108.45Cr
Revenues Before Provison For Loan Losses	261.55Cr	266.28Cr	314.19Cr	350.92Cr	292.01Cr
Provision For Loan Losses	26Cr	20Cr	23Cr	25Cr	33Cr
Total Revenues	235.12Cr	245.9Cr	290.99Cr	326.29Cr	259.11Cr
Salaries And Other Employee Benefits	62Cr	66Cr	72Cr	79Cr	92Cr
Amort. of Goodwill & Intang. Assets	3.24Cr	2.95Cr	3.02Cr	8.05Cr	6.02Cr
Occupancy Expense	5.32Cr	5.71Cr	6.21Cr	7.11Cr	8.03Cr
Selling General & Admin Expenses, Total	59Cr	62Cr	66Cr	68Cr	70Cr
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	-5.17Cr	-7.48Cr	-4.83Cr	-6.89Cr	-60Cr
Non Interest Expense, Total	124.51Cr	129.02Cr	142.51Cr	154.89Cr	115.74Cr
EBT, Excl. Unusual Items	110.61Cr	116.88Cr	148.47Cr	171.4Cr	143.37Cr
Restructuring Charges	-18.4L	-23.79L	-30.08L	-29.52L	-32.1L
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-6.25Cr	-37.33L	-4.95Cr	-	-10Cr
Asset Writedown	-2L	-	-12.53L	-16.1L	20.74L
Legal Settlements	-	-	-	-	-
Other Unusual Items	3.94Cr	-10.2L	-63.61L	10.53L	-63.1L
EBT, Incl. Unusual Items	108.1Cr	116.16Cr	142.46Cr	171.05Cr	132.71Cr
Income Tax Expense	27Cr	25Cr	39Cr	43Cr	30Cr
Earnings From Continuing Operations	81Cr	91Cr	102.98Cr	127.65Cr	102.65Cr
Net Income to Company	81Cr	91Cr	102.98Cr	127.65Cr	102.65Cr
Minority Interest	-16.23L	-26.77L	-30.34L	-31.37L	-13.24L
Net Income - (IS)	81Cr	91Cr	102.68Cr	127.34Cr	102.52Cr
Net Income to Common Incl Extra Items	81Cr	91Cr	102.68Cr	127.34Cr	102.52Cr
Net Income to Common Excl. Extra Items	81Cr	91Cr	102.68Cr	127.34Cr	102.52Cr
Per Share Items
Net EPS - Basic	0.94	1.08	1.22	1.54	1.27
Basic EPS - Continuing Operations	0.94	1.08	1.22	1.54	1.27
Basic Weighted Average Shares Outstanding	86Cr	84Cr	84Cr	83Cr	81Cr
Net EPS - Diluted	0.93	1.08	1.21	1.53	1.27
Diluted EPS - Continuing Operations	0.93	1.08	1.21	1.53	1.27
Diluted Weighted Average Shares Outstanding	87Cr	84Cr	85Cr	83Cr	81Cr
Normalized Basic EPS	0.8	0.87	1.1	1.29	1.11
Normalized Diluted EPS	0.8	0.86	1.09	1.28	1.11
Dividend Per Share	0.66	0.75	0.85	1.07	1.26
Payout Ratio	0.46	63.91	61.74	90.55	104.87
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	25.14	21.69	27.71	25.37	22.65
Current Domestic Taxes	-	26Cr	35Cr	44Cr	27Cr
Total Current Taxes	22Cr	26Cr	35Cr	44Cr	27Cr
Deferred Domestic Taxes	-	-32.29L	4.48Cr	-66.3L	3.14Cr
Total Deferred Taxes	5.45Cr	-32.29L	4.48Cr	-66.3L	3.14Cr
Normalized Net Income	69Cr	73Cr	92Cr	106.81Cr	89Cr
Non-Cash Pension Expense	3.45Cr	3.56Cr	4.07Cr	1.32Cr	26.04L
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	1.44Cr	1.33Cr	1.12Cr	1.58Cr	3.76Cr
Total Stock-Based Compensation	1.44Cr	1.33Cr	1.12Cr	1.58Cr	3.76Cr

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	196.95Cr	857.88Cr	423.7Cr	336.12Cr	167.36Cr
Investment Securities, Total	1.29TCr	1.1TCr	1.39TCr	1.72TCr	1.73TCr
Trading Asset Securities, Total	1.22TCr	1.09TCr	1.14TCr	1.68TCr	1.76TCr
Total investments	2.51TCr	2.19TCr	2.53TCr	3.4TCr	3.49TCr
Gross Loans	5.25TCr	5.68TCr	5.84TCr	5.83TCr	6.37TCr
Net Loans	5.25TCr	5.68TCr	5.84TCr	5.83TCr	6.37TCr
Gross Property Plant And Equipment	72Cr	78Cr	85Cr	89Cr	125.36Cr
Accumulated Depreciation	-28Cr	-34Cr	-37Cr	-39Cr	-43Cr
Net Property Plant And Equipment	44Cr	45Cr	47Cr	49Cr	82Cr
Goodwill	60Cr	62Cr	57Cr	83Cr	79Cr
Other Intangibles, Total	14Cr	22Cr	22Cr	22Cr	23Cr
Investment in Real Estate	6.29Cr	5.96Cr	5.05Cr	4.8Cr	38Cr
Accrued Interest Receivable	5.39Cr	6.33Cr	7.11Cr	7Cr	12Cr
Other Receivables	77Cr	87Cr	93Cr	111.97Cr	136.2Cr
Restricted Cash	28Cr	31Cr	52Cr	32Cr	35Cr
Other Current Assets, Total	76.23L	35.73L	26Cr	41Cr	167.06Cr
Deferred Tax Assets Long-Term (Collected)	58Cr	60Cr	52Cr	-	-
Other Real Estate Owned And Foreclosed	-	-	-	88.55L	99.37L
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	8.99Cr	9.46Cr	9.32Cr	8.51Cr	8.59Cr
Total Assets	8.26TCr	9.06TCr	9.16TCr	9.92TCr	11TCr
Liabilities
Accrued Expenses, Total	32Cr	32Cr	41Cr	49Cr	66Cr
Interest Bearing Deposits	2.65TCr	3.07TCr	3TCr	2.91TCr	3.24TCr
Non-Interest Bearing Deposits	41Cr	46Cr	27Cr	28Cr	24Cr
Total Deposits	2.69TCr	3.11TCr	3.02TCr	2.94TCr	3.26TCr
Short-Term Borrowings	837.51Cr	1.18TCr	1.15TCr	1.61TCr	1.59TCr
Long-Term Debt	3.02TCr	3.11TCr	3.2TCr	3.49TCr	3.87TCr
Long-Term Leases	23Cr	21Cr	22Cr	21Cr	25Cr
Current Income Taxes Payable	21Cr	26Cr	42Cr	36Cr	21Cr
Other Current Liabilities - (Bank / Utility Template)	440.58Cr	412.66Cr	450.54Cr	540.29Cr	520.2Cr
Unearned Revenue Non Current	12Cr	11Cr	10Cr	-	-
Pension & Other Post Retirement Benefits	2.83Cr	2.2Cr	2.06Cr	2.04Cr	1.8Cr
Deferred Tax Liability Non-Current	34Cr	40Cr	45Cr	39Cr	47Cr
Other Non Current Liabilities	39Cr	39Cr	45Cr	77Cr	54Cr
Total Liabilities	7.15TCr	7.98TCr	8.02TCr	8.8TCr	9.46TCr
Common Stock, Total	44Cr	44Cr	44Cr	44Cr	44Cr
Additional Paid In Capital	219.56Cr	219.56Cr	219.56Cr	219.56Cr	176.63Cr
Retained Earnings	765.91Cr	781.52Cr	870.21Cr	127.34Cr	51Cr
Treasury Stock	-22Cr	-24Cr	-7.89Cr	-6.88Cr	-10Cr
Comprehensive Income and Other	93Cr	43Cr	6.21Cr	731.24Cr	881.3Cr
Total Common Equity	1.1TCr	1.06TCr	1.13TCr	1.12TCr	1.14TCr
Minority Interest	8.83Cr	10Cr	10Cr	8.61Cr	1.46Cr
Total Equity	1.11TCr	1.07TCr	1.14TCr	1.12TCr	1.14TCr
Total Liabilities And Equity	8.26TCr	9.06TCr	9.16TCr	9.92TCr	11TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	86Cr	84Cr	84Cr	83Cr	81Cr
ECS Total Common Shares Outstanding	86Cr	84Cr	84Cr	83Cr	81Cr
Book Value / Share	12.77	12.69	13.47	13.5	14.18
Tangible Book Value	1.03TCr	980.89Cr	1.05TCr	1.01TCr	1.04TCr
Tangible Book Value Per Share	11.91	11.69	12.52	12.23	12.91
Total Debt	3.88TCr	4.31TCr	4.36TCr	5.12TCr	5.48TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	14.12L	-8L	-6L	-1L	2L
Net Debt	2.11TCr	2.09TCr	2.45TCr	2.53TCr	2.84TCr
Equity Method Investments, Total	370.29Cr	315.79Cr	356.38Cr	378.92Cr	423.52Cr
Full Time Employees	4.92T	5.02T	5.23T	5.44T	5.42T

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	81Cr	91Cr	102.68Cr	127.34Cr	102.52Cr
Depreciation, Depletion & Amortization	5.32Cr	5.71Cr	6.21Cr	7.11Cr	8.03Cr
Amortization of Goodwill and Intangible Assets - (CF)	94.75L	2.95Cr	3.02Cr	3.86Cr	57.78L
Total Depreciation, Depletion & Amortization	6.27Cr	8.66Cr	9.23Cr	11Cr	8.61Cr
Amortization of Deferred Charges, Total	2.29Cr	2.27Cr	1.7Cr	3.17Cr	2.98Cr
Total Asset Writedown	2L	-	-	-	2.47Cr
Change in Trading Asset Securities	-68Cr	166.45Cr	-150.72Cr	-558.88Cr	46Cr
Change in Other Net Operating Assets (Collected)	-105.65Cr	366.19Cr	-238.4Cr	411.33Cr	261.47Cr
Other Operating Activities	-56Cr	-48Cr	-41Cr	50Cr	-175.52Cr
Cash from Operations	-139.94Cr	586.29Cr	-316.1Cr	44Cr	248.78Cr
Capital Expenditure	-2.63Cr	-2.65Cr	-3.98Cr	-5.12Cr	-2.34Cr
Sale of Property, Plant, and Equipment	5L	20.75L	97.02L	1L	1.73Cr
Cash Acquisitions	-	-	-	55T	-
Divestitures	-	-	2L	-	-
Purchase / Sale of Intangible Assets	-2.85Cr	-2.59Cr	-3.64Cr	-3.65Cr	-5.07Cr
Investment in Marketable and Equity Securities, Total	21Cr	31Cr	24Cr	11Cr	91.28L
Cash from Investing	15Cr	26Cr	17Cr	1.9Cr	-4.77Cr
Issuance of Common Stock	-	-	-	62.52L	31.83L
Repurchase of Common Stock	-	-24Cr	-	-19Cr	-8.53Cr
Common Dividends Paid	-36.94L	-58Cr	-63Cr	-115.3Cr	-107.51Cr
Common & Preferred Stock Dividends Paid	-36.94L	-58Cr	-63Cr	-115.3Cr	-107.51Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Cash from Financing	-36.94L	-82Cr	-63Cr	-133.44Cr	-116.04Cr
Foreign Exchange Rate Adjustments	-	-	-	-	42T
Net Change in Cash	-125.05Cr	530.54Cr	-362.46Cr	-88Cr	127.98Cr
Supplemental Items
Cash Interest Paid	44Cr	29Cr	135.91Cr	336.77Cr	258.02Cr
Cash Income Tax Paid (Refund)	28Cr	29Cr	26Cr	50Cr	56Cr

Fiscal Period: June	2021	2022	2023	2024	2025
Profitability
Return on Assets	1	1.05	1.13	1.34	1.31
Return On Equity %	7.77	8.33	9.29	11.26	11.86
Return on Common Equity	7.82	8.37	9.35	11.33	11.91
Shareholders Value Added	-42Cr	-36Cr	-26Cr	-3.52Cr	1.97Cr
Margin Analysis
SG&A Margin	53.78	54.31	49.6	47.11	65.36
Net Interest Income / Total Revenues %	64.84	65.56	64.83	63.92	70.84
EBT Excl. Non-Recurring Items Margin %	47.05	47.53	51.02	52.53	55.33
Income From Continuing Operations Margin %	34.42	36.99	35.39	39.12	39.62
Net Income Margin %	34.35	36.88	35.29	39.03	39.57
Net Avail. For Common Margin %	34.35	36.88	35.29	39.03	39.57
Normalized Net Income Margin	29.33	29.6	31.79	32.73	34.53
Asset quality
Nonperforming Loans / Total Loans %	3.76	2.95	2.27	2.07	1.58
Nonperforming Loans / Total Assets %	2.39	1.85	1.45	1.22	0.95
Nonperforming Assets / Total Assets %	2.4	1.86	1.46	1.23	0.96
NPAs / Loans and OREO	3.78	2.96	2.28	2.09	1.6
NPAs / Equity	17.86	15.65	11.67	10.83	8.87
Capital And Funding
Total Average Common Equity / Total Average Assets %	12.79	12.51	12.06	11.78	11
Total Average Equity / Total Average Assets %	12.9	12.62	12.17	11.88	11.05
Total Equity + Allowance for Loan Losses / Total Loans %	20.99	18.75	19.39	19.15	17.96
Gross Loans / Total Deposits %	194.99	182.52	193.3	198.22	195.11
Net Loans / Total Deposits %	194.99	182.52	193.3	198.22	195.11
Tier 1 Capital Ratio %	16.31	15.67	15.9	15.17	16.43
Total Capital Ratio %	18.91	17.62	17.92	17.72	18.68
Core Tier 1 Capital Ratio	16.31	15.67	15.9	15.17	16.43
Tier 2 Capital Ratio	2.61	1.95	2.02	2.55	2.25
Interbank Ratio	94.42	41.54	70.25	-	-
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.69	4.28	2.39	1.84	1.68
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-0.3	5.75	17.01	10.56	-2.93
Non Interest Income, 1 Yr. Growth %	21.8	-3.69	18.92	13.48	8.04
Provision For Loan Losses, 1 Yr. Growth %	-33.51	-22.87	13.84	6.11	-5.53
Total Revenues, 1 Yr. Growth %	15.98	4.58	18.09	12.18	2.06
Earnings From Cont. Operations, 1 Yr. Growth %	34.55	12.41	13.21	24.05	4.28
Net Income, 1 Yr. Growth %	34.51	12.31	13.21	24.11	4.46
Normalized Net Income, 1 Yr. Growth %	21.12	1.76	27.08	16.63	4.46
Diluted EPS Before Extra, 1 Yr. Growth %	34.78	16.13	12.04	26.45	6.54
Dividend Per Share, 1 Yr. Growth %	-	13.64	13.33	25.88	7.48
Gross Loans, 1 Yr. Growth %	2.01	10.98	1.59	-0.26	4.73
Net Loans, 1 Yr. Growth %	2.01	10.98	1.59	-0.26	4.73
Non Performing Loans, 1 Yr. Growth %	-	-	-	-	-15.96
Non Performing Assets, 1 Yr. Growth %	-	-	-	-	-15.79
Total Assets, 1 Yr. Growth %	4.62	9.65	1.18	8.3	4.76
Total Deposits, 1 Yr Growth %	3.86	15.61	-2.86	-2.74	5.53
Tangible Book Value, 1 Yr. Growth %	16.26	-4.48	7.34	-3.96	-0.13
Common Equity, 1 Yr. Growth %	14.14	-3.32	6.37	-1.49	0.26
Total Equity, 1 Yr. Growth %	13.97	-3.17	6.33	-1.63	-0.38
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.48	2.68	11.24	13.74	3.6
Non Interest Income, 2 Yr. CAGR %	10.96	8.31	7.28	16.12	10.73
Provision For Loan Losses, 2 Yr. CAGR %	12.32	-28.39	-6.3	9.91	0.12
Total Revenues, 2 Yr. CAGR %	3.69	10.13	11.25	15.07	7
Earnings From Cont. Operations, 2 Yr. CAGR %	-1.03	22.98	12.81	18.46	13.74
Net Income, 2 Yr. CAGR %	-0.94	22.91	12.76	18.49	13.86
Normalized Net Income, 2 Yr. CAGR %	1.34	13.05	13.72	21.14	10.38
Diluted EPS Before Extra, 2 Yr. CAGR %	-0.53	25.11	14.06	19.02	16.06
Dividend Per Share, 2 Yr. CAGR %	18.5	-	13.48	19.44	16.32
Gross Loans, 2 Yr. CAGR %	3.56	5.07	6.85	0.66	2.2
Net Loans, 2 Yr. CAGR %	3.56	5.07	6.85	0.66	2.2
Non Performing Loans, 2 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 2 Yr. CAGR %	-	-	-	-	-
Total Assets, 2 Yr. CAGR %	2.74	7.11	5.33	4.67	6.52
Total Deposits, 2 Yr CAGR %	5.89	9.58	5.98	-2.8	1.31
Tangible Book Value, 2 Yr. CAGR %	7.37	5.38	1.26	1.53	-2.06
Common Equity, 2 Yr. CAGR %	5.96	5.05	1.41	2.37	-0.62
Total Equity, 2 Yr. CAGR %	5.9	5.05	1.47	2.27	-1.01
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	1.68	2.2	7.25	11.01	7.89
Non Interest Income, 3 Yr. CAGR %	5.19	5.85	11.92	9.28	13.36
Provision For Loan Losses, 3 Yr. CAGR %	8.1	-0.9	-16.42	-2.33	4.5
Total Revenues, 3 Yr. CAGR %	2.57	3.99	12.8	11.54	10.56
Earnings From Cont. Operations, 3 Yr. CAGR %	-2.3	3.26	19.64	16.41	13.53
Net Income, 3 Yr. CAGR %	-2.22	3.29	19.59	16.39	13.61
Normalized Net Income, 3 Yr. CAGR %	0.01	2.72	17.55	14.3	15.3
Diluted EPS Before Extra, 3 Yr. CAGR %	-1.73	4.74	20.59	18.05	14.71
Dividend Per Share, 3 Yr. CAGR %	11.98	16.86	-	17.48	15.31
Gross Loans, 3 Yr. CAGR %	6.77	5.09	4.33	4.43	2
Net Loans, 3 Yr. CAGR %	6.77	5.09	4.33	4.43	2
Non Performing Loans, 3 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 3 Yr. CAGR %	-	-	-	-	-
Total Assets, 3 Yr. CAGR %	4.54	5	5.09	6.3	4.7
Total Deposits, 3 Yr CAGR %	10.09	9.03	5.26	2.99	-0.1
Tangible Book Value, 3 Yr. CAGR %	4.87	3.27	6.03	-0.51	0.98
Common Equity, 3 Yr. CAGR %	4.52	2.77	5.49	0.43	1.66
Total Equity, 3 Yr. CAGR %	4.48	2.78	5.48	0.42	1.38
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	3.54	3.48	5.4	6.67	5.77
Non Interest Income, 5 Yr. CAGR %	17.72	10.74	6.02	9.95	11.42
Provision For Loan Losses, 5 Yr. CAGR %	-7.89	-6.53	2.1	3.29	-10.16
Total Revenues, 5 Yr. CAGR %	11.49	7.61	5.96	8.33	10.43
Earnings From Cont. Operations, 5 Yr. CAGR %	5.9	4.15	3.48	9.09	17.22
Net Income, 5 Yr. CAGR %	5.96	3.87	3.51	9.12	17.24
Normalized Net Income, 5 Yr. CAGR %	8.25	10.36	6.05	9.72	14.4
Diluted EPS Before Extra, 5 Yr. CAGR %	5.85	4.42	4.31	10.23	18.76
Dividend Per Share, 5 Yr. CAGR %	19.57	15.18	12.58	17.88	-
Gross Loans, 5 Yr. CAGR %	7.31	6.99	6.27	3.55	3.48
Net Loans, 5 Yr. CAGR %	7.31	6.99	6.27	3.55	3.48
Non Performing Loans, 5 Yr. CAGR %	-1.63	-5.34	-	-	-
Non Performing Assets, 5 Yr. CAGR %	-1.55	-5.28	-	-	-
Total Assets, 5 Yr. CAGR %	3.42	5.15	4.85	4.87	5.66
Total Deposits, 5 Yr CAGR %	5.11	4.39	8.42	4.14	3.67
Tangible Book Value, 5 Yr. CAGR %	4.15	2.77	3.41	2.57	2.72
Common Equity, 5 Yr. CAGR %	4.51	3.17	3.27	2.61	3
Total Equity, 5 Yr. CAGR %	4.47	3.18	3.27	2.58	2.83