Cash flow Banca Monte dei Paschi di Siena S.p.A.

Equities

BMPS

IT0005508921

Banks

Market Closed - Borsa Italiana Other stock markets 12:45:00 2026-03-10 pm EDT			5-day change	1st Jan Change
7.394 ^EUR	0.00%		-4.97%	-19.01%

Mar. 10	Banca Monte dei Paschi di Siena SpA to propose to next shareholders' meeting on 15 April 2026 payment of a cash dividend of EUR 0.86 per share	RE
Mar. 10	Italy's MPS, Mediobanca boards approve terms for merger	RE

4.wOwkwOREgGSvNWmsBjAq0VFa7osHSYluD5QcQdRcWzA.s49-uYYH8gHrRjnoVVRmnBUrieJreegtR8tbLrIPNmWjgnGaqiy5IZdTXQ

Published financial data: BANCA MONTE DEI PASCHI DI SIENA S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	1.98B	1.9B	2.15B	4.36B	4.68B
Interest Income On Investments	10.26M	13.72M	26.35M	26.55M	22.72M
Interest Income, Total	1.99B	1.91B	2.18B	4.39B	4.7B
Interest On Deposits	704M	680M	614M	2.07B	2.36B
Interest Expense, Total	704M	680M	614M	2.07B	2.36B
Net Interest Income	1.28B	1.23B	1.56B	2.32B	2.34B
Income From Trading Activities	33.97M	19.77M	-23.75M	54.98M	128M
Gain (Loss) on Sale of Loans	113M	123M	50.83M	9.12M	-7.68M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	124M	103M	120M	91.3M	66.14M
Total Other Non Interest Income	1.41B	1.49B	1.37B	1.32B	1.44B
Non Interest Income, Total	1.69B	1.74B	1.52B	1.48B	1.63B
Revenues Before Provison For Loan Losses	2.97B	2.97B	3.08B	3.8B	3.97B
Provision For Loan Losses	749M	196M	430M	431M	406M
Total Revenues	2.22B	2.77B	2.65B	3.36B	3.57B
Salaries And Other Employee Benefits	1.42B	1.43B	1.39B	1.18B	1.22B
Amort. of Goodwill & Intang. Assets	74.6M	66.31M	68.36M	66.59M	66.02M
Occupancy Expense	157M	132M	118M	108M	100M
Selling General & Admin Expenses, Total	841M	776M	789M	672M	595M
Total Other Non Interest Expense	362M	-92.04M	-26.12M	-83.56M	-23.84M
Non Interest Expense, Total	2.85B	2.31B	2.34B	1.95B	1.95B
EBT, Excl. Unusual Items	-632M	456M	303M	1.42B	1.61B
Restructuring Charges	-105M	-	-932M	-22.8M	-35.7M
Asset Writedown	-15.07M	-47.41M	-31.82M	-53.86M	-29.95M
Insurance Settlements	-	-	-	-	-
Legal Settlements	-565M	-154M	28.61M	367M	-81.88M
Other Unusual Items	-33.92M	4.18M	12K	-687K	-1.63M
EBT, Incl. Unusual Items	-1.35B	258M	-631M	1.71B	1.46B
Income Tax Expense	338M	-51.17M	-427M	-345M	-508M
Earnings From Continuing Operations	-1.69B	309M	-205M	2.05B	1.97B
Earnings Of Discontinued Operations	-	-	-	-	-22.02M
Net Income to Company	-1.69B	309M	-205M	2.05B	1.95B
Minority Interest	129K	176K	148K	156K	160K
Net Income - (IS)	-1.69B	310M	-205M	2.05B	1.95B
Net Income to Common Incl Extra Items	-1.69B	310M	-205M	2.05B	1.95B
Net Income to Common Excl. Extra Items	-1.69B	310M	-205M	2.05B	1.97B
Per Share Items
Net EPS - Basic	-154.63	31.39	-0.98	1.63	1.55
Basic EPS - Continuing Operations	-154.63	31.39	-0.98	1.63	1.57
Basic Weighted Average Shares Outstanding	10.92M	9.86M	210M	1.26B	1.26B
Net EPS - Diluted	-154.63	31.39	-0.98	1.63	1.55
Diluted EPS - Continuing Operations	-154.63	31.39	-0.98	1.63	1.57
Diluted Weighted Average Shares Outstanding	10.92M	9.86M	210M	1.26B	1.26B
Normalized Basic EPS	-36.17	28.9	0.9	0.7	0.8
Normalized Diluted EPS	-36.17	28.9	0.9	0.7	0.8
Dividend Per Share	-	-	-	0.25	0.86
Payout Ratio	-	-	-	-	16.14
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	-25.03	-19.82	67.56	-20.22	-34.69
Current Domestic Taxes	-135M	-123M	-49.87M	72.8M	99.23M
Total Current Taxes	-135M	-123M	-49.87M	72.8M	99.23M
Deferred Domestic Taxes	474M	72.17M	-377M	-418M	-607M
Total Deferred Taxes	474M	72.17M	-377M	-418M	-607M
Normalized Net Income	-395M	285M	190M	886M	1.01B
Non-Cash Pension Expense	8.08M	978K	2.75M	2.77M	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	4K	3K	11K	-	3.96M
Total Stock-Based Compensation	4K	3K	11K	-	3.96M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	764M	1.74B	12.54B	14.32B	13.25B
Investment Securities, Total	17.52B	13.6B	10.16B	11.43B	12.02B
Trading Asset Securities, Total	9.44B	9.95B	6.61B	6.15B	5.9B
Total investments	26.96B	23.55B	16.77B	17.58B	17.92B
Gross Loans	87.84B	86.15B	85.16B	84.25B	83.48B
Allowance For Loan Losses	-2.41B	-2.38B	-2.02B	-2.19B	-2.18B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	85.43B	83.76B	83.14B	82.06B	81.3B
Gross Property Plant And Equipment	4.23B	4.49B	4.4B	4.36B	-
Accumulated Depreciation	-2.14B	-2.26B	-2.33B	-2.42B	-
Net Property Plant And Equipment	2.09B	2.24B	2.07B	1.94B	2.11B
Goodwill	7.9M	7.9M	7.9M	7.9M	7.9M
Other Intangibles, Total	176M	177M	155M	170M	148M
Investment in Real Estate	250M	254M	304M	285M	-
Accrued Interest Receivable	507M	517M	512M	-	-
Other Receivables	1.08B	1.17B	1.76B	2.21B	2.19B
Restricted Cash	28.51B	20.74B	524M	502M	535M
Other Current Assets, Total	2.67B	2B	166M	695M	1.79B
Deferred Tax Assets Long-Term (Collected)	1.18B	1.05B	1.5B	1.84B	2.43B
Deferred Charges Long-Term	40.03M	36.22M	31.92M	17.07M	14.13M
Other Long-Term Assets, Total	694M	633M	702M	982M	910M
Total Assets	150B	138B	120B	123B	123B
Liabilities
Accounts Payable, Total	300M	277M	198M	196M	192M
Accrued Expenses, Total	614M	455M	1.28B	1.1B	855M
Interest Bearing Deposits	33.74B	36.34B	24.58B	18.88B	15.98B
Non-Interest Bearing Deposits	68.52B	66.28B	65.98B	65.73B	66.41B
Total Deposits	102B	103B	90.56B	84.62B	82.39B
Short-Term Borrowings	16.06B	8.47B	2.83B	8.05B	8.8B
Current Portion of Leases	-	43.27M	49.12M	43.9M	46.46M
Long-Term Debt	16.9B	12.97B	11.43B	13.63B	12.87B
Long-Term Leases	223M	183M	162M	147M	120M
Current Income Taxes Payable	13K	14K	16K	3.6M	1.28M
Other Current Liabilities - (Bank / Utility Template)	4.56B	3.12B	2.59B	1.83B	2.64B
Pension & Other Post Retirement Benefits	200M	189M	96.8M	75.37M	72.99M
Deferred Tax Liability Non-Current	4.08M	7.04M	6.62M	5.46M	4.34M
Other Non Current Liabilities	3.46B	3.37B	3.17B	2.94B	2.97B
Total Liabilities	145B	132B	112B	113B	111B
Common Stock, Total	9.2B	9.2B	7.45B	7.45B	7.45B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	-3.51B	-3.21B	708M	2.63B	4.14B
Treasury Stock	-314M	-	-	-	-
Comprehensive Income and Other	413M	188M	-363M	-104M	57.22M
Total Common Equity	5.78B	6.17B	7.8B	9.98B	11.65B
Minority Interest	1.31M	1.35M	936K	651K	336K
Total Equity	5.78B	6.17B	7.8B	9.98B	11.65B
Total Liabilities And Equity	150B	138B	120B	123B	123B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	9.66M	10.02M	1.26B	1.26B	1.26B
ECS Total Common Shares Outstanding	9.66M	10.02M	1.26B	1.26B	1.26B
Book Value / Share	598.54	615.78	6.19	7.92	9.25
Tangible Book Value	5.6B	5.99B	7.63B	9.8B	11.49B
Tangible Book Value Per Share	579.5	597.31	6.06	7.78	9.12
Total Debt	33.18B	21.66B	14.47B	21.87B	21.83B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-29.03M	-50.7M	-111M	-134M	-
Net Debt	13.42B	3.99B	-8.8B	-5.9B	-5.28B
Full Time Employees	21.43K	21.24K	17.02K	16.74K	14.98K
Part Time Employees	-	-	-	-	1.74K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	-1.69B	310M	-205M	2.05B	1.95B
Depreciation, Depletion & Amortization	163M	139M	124M	114M	105M
Amortization of Goodwill and Intangible Assets - (CF)	57.36M	50.53M	1.01M	54K	57K
Total Depreciation, Depletion & Amortization	220M	190M	125M	115M	105M
Amortization of Deferred Charges, Total	17.24M	15.78M	67.35M	66.53M	65.96M
(Gain) Loss on Sale of Investments - (CF)	-160M	32.65M	-285M	-115M	-139M
Total Asset Writedown	231M	-383M	559M	637M	588M
Provision for Credit Losses	749M	749M	-	-	-
Change in Trading Asset Securities	3.17B	-944M	3.14B	2.85B	81.11M
Change in Other Net Operating Assets (Collected)	-3.75B	-428M	5.47B	-2.95B	-2.89B
Other Operating Activities	1.15B	-93.29M	-495M	-883M	-561M
Net Cash From Discontinued Operations	-	-	-	-	6.53M
Cash from Operations	-64.47M	-552M	8.38B	1.77B	-792M
Capital Expenditure	-62.05M	-39.74M	-19.24M	-28.4M	-30.77M
Sale of Property, Plant, and Equipment	138M	8.23M	2.53M	2.15M	72.09M
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-83.29M	-68.94M	-46.47M	-83.03M	-37.65M
Investment in Marketable and Equity Securities, Total	-	1.02M	-	-	-
Other Investing Activities, Total	638K	30.37M	107M	116M	35.48M
Cash from Investing	-6.53M	-69.07M	44.09M	7.08M	39.15M
Issuance of Common Stock	-	42.98M	2.37B	-	-
Repurchase of Common Stock	-	-	-	-2.63M	-
Common Dividends Paid	-	-	-	-	-315M
Common & Preferred Stock Dividends Paid	-	-	-	-	-315M
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-331K	-53K	-86K	-96K	-108K
Cash from Financing	-331K	42.93M	2.37B	-2.73M	-315M
Net Change in Cash	-71.33M	-578M	10.8B	1.78B	-1.07B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	-1.2	0.21	-0.16	1.69	1.61
Return On Equity %	-24.02	5.18	-2.93	23	18.24
Return on Common Equity	-24.02	5.18	-2.93	23	18.24
Shareholders Value Added	-2.41B	-357M	-460M	996M	676M
Margin Analysis
SG&A Margin	107.2	83.09	85.52	57.38	52.74
Net Interest Income / Total Revenues %	57.79	44.44	59	68.92	65.69
EBT Excl. Non-Recurring Items Margin %	-28.51	16.45	11.46	42.13	45.23
Income From Continuing Operations Margin %	-76.16	11.17	-7.74	60.99	55.29
Net Income Margin %	-76.15	11.17	-7.73	60.99	54.68
Net Avail. For Common Margin %	-76.15	11.17	-7.73	60.99	55.3
Normalized Net Income Margin	-17.81	10.29	7.17	26.33	28.27
Asset quality
Nonperforming Loans / Total Loans %	4.48	4.7	3.86	4.12	-
Nonperforming Loans / Total Assets %	2.61	2.94	2.73	2.83	-
Nonperforming Assets / Total Assets %	2.61	2.94	2.73	2.83	-
NPAs / Loans and OREO	4.48	4.7	3.86	4.12	-
NPAs / Equity	67.97	65.62	42.14	34.81	-
Allowance for Credit Losses / Net Charge-offs %	675.07	1.77K	1.8K	2.84K	-
Allowance for Credit Losses / Nonperforming Loans %	61.22	58.86	61.5	63.1	-
Allowance for Credit Losses / Total Loans %	2.74	2.77	2.37	2.6	2.62
Provision for Loan Losses / Net Charge-offs %	210.18	145.64	382.25	558.23	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.98	4.14	5.41	7.35	8.82
Total Average Equity / Total Average Assets %	4.98	4.15	5.41	7.35	8.82
Total Equity + Allowance for Loan Losses / Total Loans %	9.32	9.93	11.53	14.45	16.57
Gross Loans / Total Deposits %	85.9	83.95	94.04	99.56	101.33
Net Loans / Total Deposits %	83.54	81.62	91.81	96.97	98.68
Tier 1 Capital Ratio %	12.13	12.54	16.64	18.14	-
Total Capital Ratio %	15.75	16.12	20.52	21.64	-
Core Tier 1 Capital Ratio	12.13	12.54	16.64	18.14	-
Tier 2 Capital Ratio	3.62	3.59	3.88	3.49	-
Coverage Ratio	61.22	58.86	61.5	63.1	-
Interbank Ratio	138.96	200.45	181.08	367.67	337.23
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	-0.92	1.38	-0.03	1.82	1.62
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-14.64	-3.97	26.88	48.47	2.52
Non Interest Income, 1 Yr. Growth %	-4.91	4.5	-12.68	-3.95	15.91
Provision For Loan Losses, 1 Yr. Growth %	24.2	-73.79	119.06	0.2	-3.07
Total Revenues, 1 Yr. Growth %	-16.96	26.3	-4.44	26.06	8.99
Earnings From Cont. Operations, 1 Yr. Growth %	66.4	-118.34	-166.22	-1.25K	-3.65
Net Income, 1 Yr. Growth %	63.5	-118.35	-166.14	-1.25K	-4.92
Normalized Net Income, 1 Yr. Growth %	-523.8	-167.77	-32.97	-335.43	18.78
Diluted EPS Before Extra, 1 Yr. Growth %	68.19	-120.33	-103.11	-291.62	-3.63
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	244
Gross Loans, 1 Yr. Growth %	-7.66	-2.94	-3.21	-1.08	-0.91
Allowance For Loan Losses, 1 Yr. Growth %	-57.16	-0.52	-15.27	8	-0.37
Net Loans, 1 Yr. Growth %	-4.56	-3.01	-2.87	-1.3	-0.93
Non Performing Loans, 1 Yr. Growth %	-64.04	4.26	-18.9	5.7	-
Non Performing Assets, 1 Yr. Growth %	-64.04	4.26	-18.9	5.7	-
Total Assets, 1 Yr. Growth %	13.74	-8.3	-12.84	1.98	-0.01
Total Deposits, 1 Yr Growth %	22.97	0.35	-11.76	-6.56	-2.64
Tangible Book Value, 1 Yr. Growth %	-30.91	7.15	27.52	27.32	17.27
Common Equity, 1 Yr. Growth %	-30.15	6.95	26.32	26.95	16.74
Total Equity, 1 Yr. Growth %	-30.15	6.95	26.31	26.95	16.74
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-13.92	-9.47	10.38	37.25	22.5
Non Interest Income, 2 Yr. CAGR %	2.7	-1.06	-4.47	-7.76	2.98
Provision For Loan Losses, 2 Yr. CAGR %	11.11	-42.94	-24.22	48.16	-2.84
Total Revenues, 2 Yr. CAGR %	-9.72	1.83	9.86	10.21	15.62
Earnings From Cont. Operations, 2 Yr. CAGR %	121.49	-44.8	-65.15	157.54	232.43
Net Income, 2 Yr. CAGR %	146.23	-45.26	-65.16	157.47	230.72
Normalized Net Income, 2 Yr. CAGR %	107.4	74.85	-32.84	76.94	63.73
Diluted EPS Before Extra, 2 Yr. CAGR %	122.69	-41.57	-92.05	-77.22	35.73
Gross Loans, 2 Yr. CAGR %	0.59	-4.84	-2.05	-2.14	-0.99
Allowance For Loan Losses, 2 Yr. CAGR %	-	-34.85	-8.19	-4.14	3.73
Net Loans, 2 Yr. CAGR %	-0.8	-3.26	-1.88	-2.09	-1.11
Non Performing Loans, 2 Yr. CAGR %	-	-39.13	-8.04	-7.41	-
Non Performing Assets, 2 Yr. CAGR %	-	-39.13	-8.04	-7.41	-
Total Assets, 2 Yr. CAGR %	7.35	2.12	-10.6	-5.69	0.98
Total Deposits, 2 Yr CAGR %	12.94	11.09	-5.89	-9.19	-4.62
Tangible Book Value, 2 Yr. CAGR %	-20.14	-14.04	16.89	27.94	22.19
Common Equity, 2 Yr. CAGR %	-19.81	-13.65	16.23	27.14	21.74
Total Equity, 2 Yr. CAGR %	-19.81	-13.65	16.23	27.13	21.73
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-10.28	-10.73	1.31	21.84	23.94
Non Interest Income, 3 Yr. CAGR %	-7.42	2.79	-5.09	-3.84	-2.06
Provision For Loan Losses, 3 Yr. CAGR %	-47.98	-31.35	-10.66	-16.83	27.41
Total Revenues, 3 Yr. CAGR %	15.94	0.59	-0.3	15.33	8.81
Earnings From Cont. Operations, 3 Yr. CAGR %	-21.7	-3.51	-41.34	6.75	85.44
Net Income, 3 Yr. CAGR %	-21.58	3.57	-41.7	6.75	84.72
Normalized Net Income, 3 Yr. CAGR %	-48.72	45.86	26.71	28.19	52.76
Diluted EPS Before Extra, 3 Yr. CAGR %	-40.48	0.22	-78.03	-78.07	-63.19
Gross Loans, 3 Yr. CAGR %	0.57	-0.26	-3.62	-1.72	-1.73
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-28.88	-2.95	-2.9
Net Loans, 3 Yr. CAGR %	-0.35	-1.19	-2.43	-1.69	-1.7
Non Performing Loans, 3 Yr. CAGR %	-	-	-33.02	-3.67	-
Non Performing Assets, 3 Yr. CAGR %	-	-	-33.02	-3.67	-
Total Assets, 3 Yr. CAGR %	2.61	1.85	-3.13	-6.57	-3.84
Total Deposits, 3 Yr CAGR %	7.8	8.58	2.88	-6.12	-7.06
Tangible Book Value, 3 Yr. CAGR %	-17.98	-11.97	-1.96	20.6	24.28
Common Equity, 3 Yr. CAGR %	-17.85	-11.79	-1.98	20.02	23.58
Total Equity, 3 Yr. CAGR %	-17.85	-11.79	-1.98	20.01	23.57
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-10.63	-9.39	-2.53	6.03	9.31
Non Interest Income, 5 Yr. CAGR %	-11.27	-4.82	-6.53	-1.57	-1.66
Provision For Loan Losses, 5 Yr. CAGR %	-17.75	-46.47	-39.53	-6.61	-7.61
Total Revenues, 5 Yr. CAGR %	-7.76	64.55	13.21	4.33	5.96
Earnings From Cont. Operations, 5 Yr. CAGR %	34.07	-37.45	-43.37	42.9	14.21
Net Income, 5 Yr. CAGR %	34.2	-37.48	-43.33	49.09	13.56
Normalized Net Income, 5 Yr. CAGR %	10.26	-32.28	-42.16	57.35	61.01
Diluted EPS Before Extra, 5 Yr. CAGR %	-41.18	-69.05	-73.41	-44.59	-55.71
Gross Loans, 5 Yr. CAGR %	-8.09	-7.65	-0.28	-0.6	-2.58
Allowance For Loan Losses, 5 Yr. CAGR %	-36.53	-38.06	-	-	-17.22
Net Loans, 5 Yr. CAGR %	-5.02	-3.88	-0.75	-1.12	-1.91
Non Performing Loans, 5 Yr. CAGR %	-	-38.43	-	-	-
Non Performing Assets, 5 Yr. CAGR %	-	-38.43	-	-	-
Total Assets, 5 Yr. CAGR %	-2.31	-2.08	-2.89	-1.24	-1.5
Total Deposits, 5 Yr CAGR %	3.56	5.81	2.1	1.09	-0.19
Tangible Book Value, 5 Yr. CAGR %	-9.45	-0.31	-5.53	2.23	7.24
Common Equity, 5 Yr. CAGR %	-9.63	-0.8	-5.65	2.1	7.07
Total Equity, 5 Yr. CAGR %	-9.68	-0.9	-5.65	2.1	7.06