Financial Ratios Banco BPM S.p.A.

Stocks

BAMI

IT0005218380

Banks

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Published financial data: BANCO BPM S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.43B	2.94B	6.56B	7.23B	5.79B
Interest Income On Investments	53.72M	60.84M	79.49M	93.15M	196M
Interest Income, Total	2.48B	3B	6.64B	7.32B	5.98B
Interest On Deposits	409M	596M	3.19B	3.51B	2.37B
Interest Expense, Total	409M	596M	3.19B	3.51B	2.37B
Net Interest Income	2.07B	2.4B	3.45B	3.81B	3.61B
Income From Trading Activities	79.52M	174M	84.62M	130M	330M
Gain (Loss) on Sale of Loans	-145M	-60.95M	-42.59M	-61.4M	37.63M
Gain (Loss) on Sale of Assets	-	-	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	31.5M	-111M	-67.3M	599M	-187M
Total Other Non Interest Income	1.89B	1.86B	1.68B	1.38B	1.95B
Non Interest Income, Total	1.86B	1.86B	1.65B	2.05B	2.13B
Revenues Before Provison For Loan Losses	3.93B	4.26B	5.1B	5.86B	5.74B
Provision For Loan Losses	630M	481M	515M	404M	362M
Total Revenues	3.3B	3.78B	4.59B	5.45B	5.38B
Salaries And Other Employee Benefits	1.68B	1.61B	1.65B	1.91B	1.77B
Amort. of Goodwill & Intang. Assets	112M	130M	-	-	-
Occupancy Expense	166M	181M	277M	292M	328M
Selling General & Admin Expenses, Total	1.11B	1.16B	1.12B	1.06B	1.06B
(Income) Loss on Equity Invest.	-213M	-147M	-40.82M	-104M	-324M
Total Other Non Interest Expense	-369M	-328M	-370M	-374M	-362M
Non Interest Expense, Total	2.48B	2.61B	2.64B	2.79B	2.47B
EBT, Excl. Unusual Items	815M	1.18B	1.95B	2.67B	2.92B
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-8.13M	-	-	-1.2M
Asset Writedown	-144M	-115M	-148M	-55.23M	-11.36M
Legal Settlements	-25.12M	-35.33M	-18M	-23.14M	-37.96M
Other Unusual Items	7.13M	4.36M	-3.63M	8.77M	-3.17M
EBT, Incl. Unusual Items	654M	1.02B	1.78B	2.6B	2.86B
Income Tax Expense	84.96M	321M	513M	676M	759M
Earnings From Continuing Operations	569M	702M	1.26B	1.92B	2.1B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	569M	702M	1.26B	1.92B	2.1B
Minority Interest	284K	786K	22K	11K	-20.8M
Net Income - (IS)	569M	703M	1.26B	1.92B	2.08B
Preferred Dividend and Other Adjustments	-	-	4M	5M	-
Net Income to Common Incl Extra Items	569M	703M	1.26B	1.92B	2.08B
Net Income to Common Excl. Extra Items	569M	703M	1.26B	1.92B	2.08B
Per Share Items
Net EPS - Basic	0.38	0.47	0.84	1.27	1.38
Basic EPS - Continuing Operations	0.38	0.47	0.84	1.27	1.38
Basic Weighted Average Shares Outstanding	1.51B	1.51B	1.51B	1.51B	1.5B
Net EPS - Diluted	0.38	0.46	0.84	1.27	1.38
Diluted EPS - Continuing Operations	0.38	0.46	0.84	1.27	1.38
Diluted Weighted Average Shares Outstanding	1.51B	1.51B	1.51B	1.51B	1.5B
Normalized Basic EPS	0.34	0.49	0.81	1.11	1.2
Normalized Diluted EPS	0.34	0.49	0.81	1.11	1.2
Dividend Per Share	0.19	0.23	0.56	1	1
Payout Ratio	-	41.04	27.64	75.44	76.8
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	13	31.4	28.87	26.03	26.53
Total Current Taxes	-81.14M	48.1M	63.35M	-98.11M	333M
Total Deferred Taxes	166M	273M	450M	774M	426M
Normalized Net Income	510M	737M	1.22B	1.67B	1.8B
Non-Cash Pension Expense	-38K	-	3.37M	2.75M	-
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	7.78M	8.85M	8.71M	11.31M	14.42M
Total Stock-Based Compensation	7.78M	8.85M	8.71M	11.31M	14.42M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	29.16B	13.14B	18.3B	12.13B	5.61B
Investment Securities, Total	18.95B	22.3B	36.77B	39.23B	45.79B
Trading Asset Securities, Total	4.99B	6.25B	5.74B	7.04B	12.46B
Total investments	23.94B	28.55B	42.51B	46.27B	58.25B
Gross Loans	129B	137B	129B	127B	129B
Allowance For Loan Losses	-3.57B	-2.87B	-2.35B	-1.73B	-1.66B
Net Loans	125B	134B	127B	126B	127B
Gross Property Plant And Equipment	4.15B	4.17B	4.32B	4.53B	4.7B
Accumulated Depreciation	-1.98B	-2.09B	-2.29B	-2.49B	-2.64B
Net Property Plant And Equipment	2.17B	2.08B	2.04B	2.04B	2.07B
Goodwill	54.86M	56.71M	56.71M	56.71M	1.61B
Other Intangibles, Total	1.16B	1.23B	1.2B	1.2B	1.61B
Investment in Real Estate	1.11B	955M	822M	477M	413M
Accrued Interest Receivable	36.44M	32.5M	132M	90.07M	18.44M
Other Receivables	2.19B	3.31B	4.38B	4.91B	4.3B
Restricted Cash	10.04B	1.3B	931M	1.01B	1.1B
Other Current Assets, Total	230M	215M	469M	445M	197M
Deferred Tax Assets Long-Term (Collected)	4.29B	4.36B	3.85B	3.12B	2.65B
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	705M	726M	879M	957M	934M
Total Assets	200B	190B	202B	198B	206B
Liabilities
Accounts Payable, Total	234M	197M	226M	217M	247M
Accrued Expenses, Total	620M	542M	682M	994M	1.11B
Interest Bearing Deposits	2.26B	2.56B	1.64B	2.72B	2.6B
Non-Interest Bearing Deposits	104B	104B	98.81B	99.22B	105B
Total Deposits	107B	106B	100B	102B	107B
Short-Term Borrowings	7.83B	8.54B	7.15B	6.76B	6.55B
Current Portion of Leases	1.4M	111M	112M	109M	116M
Long-Term Debt	54.88B	44.97B	43.59B	34.05B	34.96B
Long-Term Leases	672M	517M	561M	539M	557M
Current Income Taxes Payable	8.89M	1.61M	63.34M	41.69M	15.74M
Other Current Liabilities - (Bank / Utility Template)	12.94B	9B	20.65B	22.23B	21.86B
Pension & Other Post Retirement Benefits	445M	358M	338M	321M	267M
Deferred Tax Liability Non-Current	294M	278M	391M	430M	536M
Other Non Current Liabilities	2.75B	1.76B	13.88B	15.98B	16.85B
Total Liabilities	187B	173B	188B	184B	190B
Common Stock, Total	7.1B	7.1B	7.1B	7.1B	7.1B
Retained Earnings	4.24B	4.58B	5.46B	5.53B	5.8B
Treasury Stock	-8.16M	-18.27M	-22.94M	-66.71M	-67.51M
Comprehensive Income and Other	1.76B	5.52B	1.5B	2.04B	2.67B
Total Common Equity	13.09B	17.18B	14.04B	14.6B	15.5B
Minority Interest	1.11M	720K	68K	69K	80.49M
Total Equity	13.1B	17.18B	14.04B	14.6B	15.59B
Total Liabilities And Equity	200B	190B	202B	198B	206B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.51B	1.51B	1.51B	1.5B	1.51B
ECS Total Common Shares Outstanding	1.51B	1.51B	1.51B	1.5B	1.5B
Book Value / Share	8.66	11.39	9.31	9.73	10.31
Tangible Book Value	11.88B	15.9B	12.78B	13.35B	12.29B
Tangible Book Value Per Share	7.86	10.53	8.47	8.89	8.18
Total Debt	63.38B	54.14B	51.41B	41.46B	42.19B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	-	-
Net Debt	25.13B	31.96B	21.46B	18.96B	18.74B
Equity Method Investments, Total	1.79B	1.45B	1.45B	1.71B	1.45B
Full Time Employees	16.55K	19.16K	18.77K	16.16K	15.86K
Part Time Employees	3.41K	-	-	3.34K	3.1K
Number Of Offices	1.51K	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	569M	703M	1.26B	1.92B	2.08B
Depreciation, Depletion & Amortization	166M	181M	146M	152M	156M
Amortization of Goodwill and Intangible Assets - (CF)	109M	38.62M	33.04M	32.36M	53.75M
Total Depreciation, Depletion & Amortization	275M	219M	179M	185M	210M
Amortization of Deferred Charges, Total	3.12M	91.75M	97.97M	108M	118M
(Gain) Loss on Sale of Investments - (CF)	-111M	-15.94M	-125M	-229M	-276M
Total Asset Writedown	2.01M	15.18M	620K	681K	5.27M
Provision for Credit Losses	639M	481M	516M	405M	366M
Change in Trading Asset Securities	2.8B	-2.11B	-6.49B	-4.53B	-9.18B
Change in Other Net Operating Assets (Collected)	15.61B	-15.33B	2.03B	-3.91B	1.67B
Other Operating Activities	-107M	269M	8.42B	1.16B	1.46B
Cash from Operations	19.68B	-15.68B	5.89B	-4.89B	-3.54B
Capital Expenditure	-92.32M	-122M	-73.54M	-114M	-91.31M
Sale of Property, Plant, and Equipment	17.72M	1.84M	5.52M	1.55M	47.21M
Cash Acquisitions	-	-	-	-	-1.05B
Purchase / Sale of Intangible Assets	-106M	-204M	-115M	-143M	-420M
Investment in Marketable and Equity Securities, Total	314K	74.3M	40.64M	228M	40.98M
Other Investing Activities, Total	-	-	-	-	61.32M
Cash from Investing	-180M	-250M	-143M	-26.88M	-1.41B
Issuance of Common Stock	332M	208M	-	37.94M	54.62M
Repurchase of Common Stock	-	-16.02M	-30.09M	-50.04M	-17.01M
Common Dividends Paid	-	-288M	-350M	-1.45B	-1.6B
Common & Preferred Stock Dividends Paid	-	-288M	-350M	-1.45B	-1.6B
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Special Dividend Paid	-90.54M	-	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	242M	-96.34M	-380M	-1.46B	-1.56B
Net Change in Cash	19.74B	-16.02B	5.37B	-6.38B	-6.52B
Supplemental Items
Cash Interest Paid	-	-	-	-	-
Cash Income Tax Paid (Refund)	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.3	0.36	0.65	0.96	1.04
Return On Equity %	4.49	4.64	9.35	13.41	13.93
Return on Common Equity	4.49	4.64	9.32	13.37	13.83
Shareholders Value Added	-841M	-1.08B	-326M	234M	329M
Margin Analysis
SG&A Margin	89.54	77.99	66.5	59.88	58.57
Net Interest Income / Total Revenues %	62.78	63.48	75.24	69.89	67.08
EBT Excl. Non-Recurring Items Margin %	24.73	31.12	42.46	48.88	54.16
Income From Continuing Operations Margin %	17.25	18.55	27.57	35.21	39.06
Net Income Margin %	17.26	18.57	27.57	35.21	38.68
Net Avail. For Common Margin %	17.26	18.57	27.49	35.12	38.68
Normalized Net Income Margin	15.47	19.47	26.54	30.55	33.47
Asset quality
Nonperforming Loans / Total Loans %	4.94	-	-	2.23	-
Nonperforming Loans / Total Assets %	3.18	-	-	1.43	-
Nonperforming Assets / Total Assets %	3.18	-	-	1.43	-
NPAs / Loans and OREO	4.94	-	-	2.23	-
NPAs / Equity	48.69	-	-	19.4	-
Allowance for Credit Losses / Net Charge-offs %	597.35	-	-	997.86	-
Allowance for Credit Losses / Nonperforming Loans %	56.06	-	-	61.13	-
Allowance for Credit Losses / Total Loans %	2.77	2.1	1.82	1.36	1.29
Provision for Loan Losses / Net Charge-offs %	105.28	-	-	232.87	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.59	7.76	6.9	7.16	7.45
Total Average Equity / Total Average Assets %	6.59	7.76	6.9	7.16	7.47
Total Equity + Allowance for Loan Losses / Total Loans %	12.92	14.68	12.71	12.84	13.33
Gross Loans / Total Deposits %	120.86	128.6	128.34	124.82	120.11
Net Loans / Total Deposits %	117.51	125.9	126	123.12	118.56
Tier 1 Capital Ratio %	16.52	-	-	17.3	-
Total Capital Ratio %	19.59	-	-	20.33	-
Core Tier 1 Capital Ratio	14.68	-	-	15.05	-
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	56.06	-	-	61.13	-
Leverage Ratio %	-	-	-	-	-
Interbank Ratio	41.16	66.54	67.93	50.99	27.46
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.6	2.72	1.56	1.74	2.21
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	3.56	16.06	43.62	10.47	-5.26
Non Interest Income, 1 Yr. Growth %	13.42	0.29	-10.44	23.99	4.27
Provision For Loan Losses, 1 Yr. Growth %	-39.96	-23.72	7.21	-21.56	-10.48
Total Revenues, 1 Yr. Growth %	27.45	14.78	21.81	18.94	-1.3
Earnings From Cont. Operations, 1 Yr. Growth %	3.32K	23.39	84.79	51.88	9.5
Net Income, 1 Yr. Growth %	2.63K	23.46	84.58	51.88	8.41
Normalized Net Income, 1 Yr. Growth %	-588.8	44.84	68.79	36.98	8.15
Diluted EPS Before Extra, 1 Yr. Growth %	2.61K	23.73	84.94	52.25	8.8
Dividend Per Share, 1 Yr. Growth %	216.67	21.05	143.48	78.57	0
Gross Loans, 1 Yr. Growth %	-2.96	5.89	-5.63	-1.66	1.22
Allowance For Loan Losses, 1 Yr. Growth %	-24.9	-20.35	-18.09	-26.2	-4.87
Net Loans, 1 Yr. Growth %	-2.14	6.64	-5.36	-1.21	1.31
Non Performing Loans, 1 Yr. Growth %	-25.74	-	-	-	-
Non Performing Assets, 1 Yr. Growth %	-25.74	-	-	-	-
Total Assets, 1 Yr. Growth %	9.15	-5.39	6.49	-1.92	3.88
Total Deposits, 1 Yr Growth %	4.98	-0.47	-5.44	1.48	5.2
Tangible Book Value, 1 Yr. Growth %	7.95	33.8	8.67	4.4	-7.92
Common Equity, 1 Yr. Growth %	7.11	31.23	7.85	4.03	6.17
Total Equity, 1 Yr. Growth %	7.11	31.22	7.85	4.03	6.72
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.06	9.64	29.11	25.96	2.3
Non Interest Income, 2 Yr. CAGR %	-11.15	6.65	-5.72	5.38	13.7
Provision For Loan Losses, 2 Yr. CAGR %	-6.77	-32.32	-9.57	-8.3	-16.21
Total Revenues, 2 Yr. CAGR %	-5.54	20.95	17.94	20.36	8.35
Earnings From Cont. Operations, 2 Yr. CAGR %	-14.68	549.58	49.1	67.53	28.96
Net Income, 2 Yr. CAGR %	-15.5	480.08	49.06	67.43	28.32
Normalized Net Income, 2 Yr. CAGR %	-12.08	165.75	54.69	52.01	21.7
Diluted EPS Before Extra, 2 Yr. CAGR %	-15.48	479.18	49.3	67.8	28.7
Dividend Per Share, 2 Yr. CAGR %	-	95.79	71.68	108.51	33.63
Gross Loans, 2 Yr. CAGR %	2.05	1.38	-0.04	-3.49	-0.22
Allowance For Loan Losses, 2 Yr. CAGR %	-14.35	-22.38	-19.23	-22.29	-15.82
Net Loans, 2 Yr. CAGR %	2.67	2.15	0.46	-3.13	0.04
Non Performing Loans, 2 Yr. CAGR %	-20.49	-	-	-	-
Non Performing Assets, 2 Yr. CAGR %	-20.49	-	-	-	-
Total Assets, 2 Yr. CAGR %	9.56	1.62	0.41	2.19	0.94
Total Deposits, 2 Yr CAGR %	9.24	2.22	-2.98	-2.04	3.32
Tangible Book Value, 2 Yr. CAGR %	5.91	20.18	3.72	6.53	-1.95
Common Equity, 2 Yr. CAGR %	5.07	18.56	3.54	5.93	5.09
Total Equity, 2 Yr. CAGR %	4.96	18.55	3.53	5.92	5.37
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-4.07	5.13	19.96	22.57	14.55
Non Interest Income, 3 Yr. CAGR %	-1.39	-7.49	0.27	3.29	5.01
Provision For Loan Losses, 3 Yr. CAGR %	-27.81	-12.8	-21.11	-13.76	-9.03
Total Revenues, 3 Yr. CAGR %	8.15	0.79	21.03	18.27	12.66
Earnings From Cont. Operations, 3 Yr. CAGR %	101.05	-3.52	323.63	50.02	45.39
Net Income, 3 Yr. CAGR %	112.35	-4.12	292.7	49.99	44.85
Normalized Net Income, 3 Yr. CAGR %	62.38	3.75	126.81	48.51	35.69
Diluted EPS Before Extra, 3 Yr. CAGR %	110.94	-4.03	292.43	50.28	45.23
Dividend Per Share, 3 Yr. CAGR %	-	-	110.55	73.95	63.21
Gross Loans, 3 Yr. CAGR %	2.04	3.32	-1.01	-0.46	-1.94
Allowance For Loan Losses, 3 Yr. CAGR %	-13.16	-16.2	-20.98	-21.65	-16.61
Net Loans, 3 Yr. CAGR %	2.65	3.98	-0.42	0.02	-1.67
Non Performing Loans, 3 Yr. CAGR %	-18.58	-	-	-	-
Non Performing Assets, 3 Yr. CAGR %	-18.58	-	-	-	-
Total Assets, 3 Yr. CAGR %	7.71	4.33	3.24	-0.38	2.75
Total Deposits, 3 Yr CAGR %	8.7	5.9	-0.4	-1.52	0.32
Tangible Book Value, 3 Yr. CAGR %	9.78	14.49	5.11	3.95	1.48
Common Equity, 3 Yr. CAGR %	8.47	13.15	4.72	3.7	6.01
Total Equity, 3 Yr. CAGR %	8.32	13.07	4.71	3.7	6.19
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	9.05	3.44	8.03	13.01	12.56
Non Interest Income, 5 Yr. CAGR %	7.41	1.83	-3.15	-2.75	5.44
Provision For Loan Losses, 5 Yr. CAGR %	-23.73	-18.04	-21	-11.03	-19.18
Total Revenues, 5 Yr. CAGR %	75.33	9.25	11.96	8.1	15.79
Earnings From Cont. Operations, 5 Yr. CAGR %	-20.14	-17.57	78.39	19.7	163.25
Net Income, 5 Yr. CAGR %	-19.48	-23.12	84.32	19.23	151.04
Normalized Net Income, 5 Yr. CAGR %	-16.16	34.7	59.18	20.36	76.79
Diluted EPS Before Extra, 5 Yr. CAGR %	-33.35	-17.63	83.71	19.37	151.24
Dividend Per Share, 5 Yr. CAGR %	-	-	-	-	75.54
Gross Loans, 5 Yr. CAGR %	10.44	5.51	1.21	0.54	-0.63
Allowance For Loan Losses, 5 Yr. CAGR %	-13.41	-	-15.52	-18.69	-18.97
Net Loans, 5 Yr. CAGR %	12	5.07	1.77	1.07	-0.16
Non Performing Loans, 5 Yr. CAGR %	-20.16	-	-	-22.43	-
Non Performing Assets, 5 Yr. CAGR %	-20.16	-	-	-22.43	-
Total Assets, 5 Yr. CAGR %	11.3	3.31	4.73	3.48	2.31
Total Deposits, 5 Yr CAGR %	16.02	4.97	3.87	2.65	1.07
Tangible Book Value, 5 Yr. CAGR %	15.33	8.44	7.31	4.73	2.23
Common Equity, 5 Yr. CAGR %	11.57	7.63	6.47	4.25	4.87
Total Equity, 5 Yr. CAGR %	11.37	7.51	6.38	4.2	4.97