Cash flow Banco di Desio e della Brianza S.p.A.

Equities

BDB

IT0001041000

Banks

Real-time Borsa Italiana Other stock markets 11:33:20 2026-03-10 am EDT			5-day change	1st Jan Change
8.600 ^EUR	+4.12%		+0.23%	-8.99%

Feb. 12	Bullish Futures; Mib Rebounds from 46,500 Mark	AN
Feb. 11	Banco di Desio e della Brianza S.p.A. announces Annual dividend, payable on May 06, 2026	CI

36561d3fee72ca3a425cfb0820264c.HY7x-Yq4UlOj-yDsoQyuzc-tYgTJ7Y9cuowFkdtEGkc.Vty1q-nKKCDNgle7mG3XqIThVVWqieoSi-ZM1uh2UxNe9pbO2-ogFvqhTw

Published financial data: BANCO DI DESIO E DELLA BRIANZA S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	260M	294M	337M	621M	650M
Interest Income On Investments	1.76M	690K	601K	600K	752K
Interest Income, Total	262M	295M	338M	621M	651M
Interest On Deposits	37.62M	40.71M	52.16M	250M	266M
Interest Expense, Total	37.62M	40.71M	52.16M	250M	266M
Net Interest Income	224M	254M	285M	371M	385M
Income From Trading Activities	2.29M	4.29M	4.54M	4.4M	3.91M
Gain (Loss) on Sale of Loans	-1.75M	-11.31M	-4.23M	-8.19M	1.81M
Gain (Loss) on Sale of Assets	-156K	-103K	70K	-14K	-25K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	4.68M	5.14M	-10.08M	-5.63M	-933K
Total Other Non Interest Income	166M	197M	180M	200M	208M
Non Interest Income, Total	171M	195M	171M	190M	212M
Revenues Before Provison For Loan Losses	396M	450M	456M	561M	597M
Provision For Loan Losses	72.1M	86.5M	42.76M	58.61M	42.07M
Total Revenues	323M	363M	413M	503M	555M
Salaries And Other Employee Benefits	170M	175M	176M	206M	235M
Amort. of Goodwill & Intang. Assets	1.36M	1.74M	2.08M	4.04M	4.58M
Occupancy Expense	17.11M	16.27M	16.21M	18M	18.84M
Selling General & Admin Expenses, Total	86.79M	96.06M	104M	114M	114M
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	-3.32M	875K	687K	16.84M	-1.72M
Non Interest Expense, Total	272M	290M	298M	359M	371M
EBT, Excl. Unusual Items	51.89M	72.68M	115M	144M	184M
Restructuring Charges	-12.03M	990K	-305K	-6K	-
Asset Writedown	-	-123K	-	-160K	-120K
Legal Settlements	-2.51M	-4.16M	-4.68M	-6.42M	-2.47M
Other Unusual Items	-5.81M	-309K	18K	66.64M	5.48M
EBT, Incl. Unusual Items	31.54M	69.08M	110M	204M	187M
Income Tax Expense	7.85M	14.18M	35.3M	61.87M	65.11M
Earnings From Continuing Operations	23.69M	54.9M	74.6M	142M	122M
Earnings Of Discontinued Operations	-	-	6.87M	98.02M	2.96M
Net Income to Company	23.69M	54.9M	81.46M	240M	125M
Minority Interest	-	-	-	-	687K
Net Income - (IS)	23.69M	54.9M	81.46M	240M	126M
Net Income to Common Incl Extra Items	23.69M	54.9M	81.46M	240M	126M
Net Income to Common Excl. Extra Items	23.69M	54.9M	74.6M	142M	123M
Per Share Items
Net EPS - Basic	0.17	0.41	0.61	1.79	0.94
Basic EPS - Continuing Operations	0.17	0.41	0.56	1.06	0.91
Basic Weighted Average Shares Outstanding	136M	134M	134M	134M	134M
Net EPS - Diluted	0.17	0.41	0.61	1.79	0.94
Diluted EPS - Continuing Operations	0.17	0.41	0.56	1.06	0.91
Diluted Weighted Average Shares Outstanding	136M	134M	134M	134M	134M
Normalized Basic EPS	0.24	0.34	0.53	0.67	0.86
Normalized Diluted EPS	0.24	0.34	0.53	0.67	0.86
Dividend Per Share	0.06	0.14	0.2	0.26	0.46
Payout Ratio	-	15.22	22.51	11.01	28.19
Supplemental Items
Effective Tax Rate - (Ratio)	24.9	20.53	32.12	30.3	34.82
Current Domestic Taxes	1.61M	3.61M	-	-	-
Total Current Taxes	1.61M	3.61M	19.94M	34.52M	34.01M
Deferred Domestic Taxes	-	10.57M	-	-	-
Total Deferred Taxes	6.24M	10.57M	15.36M	27.35M	31.1M
Normalized Net Income	32.43M	45.42M	71.79M	90.09M	116M
Non-Cash Pension Expense	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	56.52M	84.41M	880M	1.66B	1.02B
Investment Securities, Total	1.09B	1.08B	1.4B	1.59B	1.81B
Trading Asset Securities, Total	6.8M	11.54M	65.27M	25.26M	23.45M
Total investments	1.09B	1.09B	1.47B	1.61B	1.83B
Gross Loans	13.47B	14.34B	14.44B	14.54B	15.07B
Allowance For Loan Losses	-351M	-343M	-300M	-306M	-322M
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	13.12B	13.99B	14.14B	14.23B	14.75B
Gross Property Plant And Equipment	392M	401M	418M	444M	461M
Accumulated Depreciation	-172M	-185M	-199M	-216M	-234M
Net Property Plant And Equipment	221M	216M	219M	228M	227M
Goodwill	15.32M	15.32M	15.32M	15.32M	15.32M
Other Intangibles, Total	3.19M	3.8M	4.64M	26.3M	26.69M
Investment in Real Estate	1.76M	2.5M	1.8M	2.79M	3.36M
Accrued Interest Receivable	3.29M	-	-	-	31.8M
Other Receivables	21.56M	166M	438M	454M	397M
Restricted Cash	837M	1.92B	83.02M	58.57M	104M
Other Current Assets, Total	30.02M	69.56M	56.52M	51.47M	31.05M
Deferred Tax Assets Long-Term (Collected)	187M	155M	154M	119M	91.38M
Deferred Charges Long-Term	8.2M	7.28M	7.43M	6.34M	5.86M
Other Long-Term Assets, Total	63.85M	74.8M	79.88M	91.53M	98.35M
Total Assets	15.66B	17.8B	17.54B	18.56B	18.63B
Liabilities
Accounts Payable, Total	20.98M	17.41M	27.52M	31.8M	34.74M
Accrued Expenses, Total	43.16M	42.42M	42.55M	49.53M	59.71M
Interest Bearing Deposits	529M	444M	328M	1.02B	1.11B
Non-Interest Bearing Deposits	9.56B	10.12B	10.15B	10.14B	10.14B
Total Deposits	10.09B	10.57B	10.47B	11.16B	11.25B
Short-Term Borrowings	9.07M	6.27M	795M	1.07B	1.61B
Current Portion of Long-Term Debt	50.08M	80.03M	-	-	-
Current Portion of Leases	-	-	-	10.5M	10.88M
Long-Term Debt	4.02B	5.57B	4.73B	4.48B	3.76B
Long-Term Leases	52.29M	51.82M	53.71M	48.19M	47.44M
Current Income Taxes Payable	2.79M	2.01M	582K	3.5M	1.15M
Accrued Interest Payable	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	90.39M	77.92M	72.95M	87.27M	48.23M
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	24.74M	21.96M	17.79M	19.36M	19.65M
Deferred Tax Liability Non-Current	13.49M	1.96M	1.04M	8.27M	10.87M
Other Non Current Liabilities	250M	273M	204M	232M	326M
Total Liabilities	14.67B	16.72B	16.42B	17.2B	17.19B
Common Stock, Total	70.69M	70.69M	70.69M	70.69M	70.69M
Additional Paid In Capital	16.14M	16.14M	16.14M	16.14M	16.14M
Retained Earnings	822M	966M	1.03B	1.25B	1.34B
Treasury Stock	-	-	-	-	-5.62M
Comprehensive Income and Other	86.03M	35.49M	9.02M	18.72M	30.1M
Total Common Equity	995M	1.09B	1.12B	1.35B	1.45B
Minority Interest	4K	4K	14K	14K	548K
Total Equity	995M	1.09B	1.12B	1.35B	1.45B
Total Liabilities And Equity	15.66B	17.8B	17.54B	18.56B	18.63B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	136M	148M	134M	134M	133M
ECS Total Common Shares Outstanding	136M	148M	134M	134M	133M
Book Value / Share	7.32	7.38	8.35	10.08	10.86
Tangible Book Value	977M	1.07B	1.1B	1.31B	1.41B
Tangible Book Value Per Share	7.18	7.25	8.21	9.77	10.54
Total Debt	4.14B	5.71B	5.58B	5.61B	5.43B
Net Debt	4.03B	5.56B	4.62B	3.9B	4.38B
Equity Method Investments, Total	-	-	-	-	-
Full Time Employees	2.18K	2.14K	2.12K	2.39K	2.54K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	23.69M	54.9M	81.46M	240M	126M
Depreciation, Depletion & Amortization	18.69M	17.69M	17.62M	19.23M	19.94M
Amortization of Goodwill and Intangible Assets - (CF)	1.36M	119K	1.67M	1.35M	4.02M
Total Depreciation, Depletion & Amortization	20.05M	17.81M	19.29M	20.57M	23.97M
Amortization of Deferred Charges, Total	-	1.63M	418K	2.7M	557K
Total Asset Writedown	-	-	-	-	-
Change in Trading Asset Securities	-80.52M	61.12M	-310M	52.67M	-156M
Change in Other Net Operating Assets (Collected)	-69.91M	-233M	984M	447M	-581M
Other Operating Activities	104M	71.99M	46.86M	-16.66M	24.08M
Cash from Operations	-2.63M	-25.2M	822M	747M	-563M
Capital Expenditure	-3.21M	-3.27M	-4.89M	-15.86M	-8.59M
Sale of Property, Plant, and Equipment	12K	25K	706K	1K	26K
Cash Acquisitions	-	-	-	-3.3M	-21.69M
Divestitures	-	-	-	96.76M	-
Purchase / Sale of Intangible Assets	-1.68M	-2.35M	-2.93M	-25.7M	-4.97M
Investment in Marketable and Equity Securities, Total	-	-	-4.87M	-149K	-
Cash from Investing	-4.87M	-5.6M	-11.98M	51.75M	-35.22M
Repurchase of Common Stock	-	-	-	-	-5.62M
Common Dividends Paid	-	-8.36M	-18.34M	-26.46M	-35.39M
Common & Preferred Stock Dividends Paid	-	-8.36M	-18.34M	-26.46M	-35.39M
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	-	-8.36M	-18.34M	-26.46M	-41.02M
Foreign Exchange Rate Adjustments	3.21M	3.22M	3.17M	3.17M	3.49M
Net Change in Cash	-4.29M	-35.93M	795M	776M	-636M
Supplemental Items
Cash Interest Paid	36.82M	40.24M	50.6M	247M	263M
Cash Income Tax Paid (Refund)	7.85M	23.54M	37.9M	61.87M	63.13M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.16	0.33	0.42	0.79	0.66
Return On Equity %	2.42	5.27	6.75	11.49	8.7
Return on Common Equity	2.42	5.27	6.75	11.5	8.75
Shareholders Value Added	-85.04M	-70.63M	-49.35M	93.12M	-38.53M
Margin Analysis
SG&A Margin	81.89	76.74	69.41	65.33	64.4
Net Interest Income / Total Revenues %	69.3	70.08	69.07	73.81	69.33
EBT Excl. Non-Recurring Items Margin %	16.04	20.02	27.8	28.67	33.17
Income From Continuing Operations Margin %	7.32	15.12	18.05	28.31	21.96
Net Income Margin %	7.32	15.12	19.72	47.81	22.62
Net Avail. For Common Margin %	7.32	15.12	18.05	28.31	22.08
Normalized Net Income Margin	10.03	12.51	17.38	17.92	20.85
Asset quality
Nonperforming Loans / Total Loans %	-	-	-	-	-
Nonperforming Loans / Total Assets %	-	-	-	-	-
Nonperforming Assets / Total Assets %	-	-	-	-	-
NPAs / Loans and OREO	-	-	-	-	-
NPAs / Equity	-	-	-	-	-
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	-	-	-	-	-
Allowance for Credit Losses / Total Loans %	2.61	2.39	2.08	2.1	2.14
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	6.57	6.23	6.26	6.86	7.53
Total Average Equity / Total Average Assets %	6.57	6.23	6.26	6.86	7.53
Total Equity + Allowance for Loan Losses / Total Loans %	9.99	9.99	9.85	11.41	11.74
Gross Loans / Total Deposits %	133.58	135.66	137.81	130.3	133.92
Net Loans / Total Deposits %	130.09	132.41	134.95	127.56	131.06
Tier 1 Capital Ratio %	-	-	-	-	-
Total Capital Ratio %	-	-	-	-	-
Core Tier 1 Capital Ratio	-	-	-	-	-
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	-	-	-	-	-
Interbank Ratio	3.38K	5.66K	161.62	181.64	112.68
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.84	2.7	3.11	1.82	1.7
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.22	13.51	12.17	30.02	6.38
Non Interest Income, 1 Yr. Growth %	0.63	14.02	-8.51	11.57	6.38
Provision For Loan Losses, 1 Yr. Growth %	35.95	20.6	-50.57	37.08	-28.22
Total Revenues, 1 Yr. Growth %	-3.9	12.21	16.6	21.67	10.42
Earnings From Cont. Operations, 1 Yr. Growth %	-41.01	131.75	51.86	90.81	-14.36
Net Income, 1 Yr. Growth %	-41.01	131.75	48.38	195.06	-47.77
Normalized Net Income, 1 Yr. Growth %	-22.49	57.68	79.35	25.5	28.5
Diluted EPS Before Extra, 1 Yr. Growth %	-41.01	131.75	51.86	90.81	-13.73
Dividend Per Share, 1 Yr. Growth %	-41.8	126.37	44.25	33.77	73.35
Gross Loans, 1 Yr. Growth %	6.75	6.95	0.69	0.72	3.67
Allowance For Loan Losses, 1 Yr. Growth %	5.73	-1.32	-12.62	1.89	5.35
Net Loans, 1 Yr. Growth %	6.78	7.17	1.01	0.69	3.63
Non Performing Loans, 1 Yr. Growth %	-	-	-	-	-
Non Performing Assets, 1 Yr. Growth %	-	-	-	-	-
Total Assets, 1 Yr. Growth %	10.37	13.67	-1.48	5.78	0.42
Total Deposits, 1 Yr Growth %	7.46	4.78	-0.92	6.56	-0.52
Tangible Book Value, 1 Yr. Growth %	3.13	9.53	3.07	19.04	7.1
Common Equity, 1 Yr. Growth %	3.1	9.41	3.1	20.63	6.91
Total Equity, 1 Yr. Growth %	3.1	9.41	3.1	20.63	6.95
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	0.42	7.72	12.84	20.76	16.12
Non Interest Income, 2 Yr. CAGR %	7.09	7.03	-0.17	1.03	11.58
Provision For Loan Losses, 2 Yr. CAGR %	6.73	27.71	-22.79	-17.68	-0.81
Total Revenues, 2 Yr. CAGR %	2.41	3.86	13	19.11	15.91
Earnings From Cont. Operations, 2 Yr. CAGR %	-19.5	16.93	77.45	70.22	27.83
Net Income, 2 Yr. CAGR %	-18.03	16.93	85.44	109.24	24.14
Normalized Net Income, 2 Yr. CAGR %	12.73	4.19	57.86	50.02	26.98
Diluted EPS Before Extra, 2 Yr. CAGR %	-19.78	17.61	77.45	70.22	28.3
Dividend Per Share, 2 Yr. CAGR %	-15.22	14.79	80.7	38.91	52.28
Gross Loans, 2 Yr. CAGR %	3.78	6.58	3.77	0.7	2.18
Allowance For Loan Losses, 2 Yr. CAGR %	15.35	1.63	-7.14	-5.64	3.6
Net Loans, 2 Yr. CAGR %	3.51	6.71	4.05	0.85	2.15
Non Performing Loans, 2 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 2 Yr. CAGR %	-	-	-	-	-
Total Assets, 2 Yr. CAGR %	7.29	12.01	5.82	2.09	3.07
Total Deposits, 2 Yr CAGR %	4.66	6.11	1.91	2.74	3.67
Tangible Book Value, 2 Yr. CAGR %	5.68	6.28	6.25	10.77	12.91
Common Equity, 2 Yr. CAGR %	5.62	6.21	6.21	11.52	13.56
Total Equity, 2 Yr. CAGR %	3.09	6.21	6.21	11.52	13.58
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.93	4.61	9.18	18.29	14.79
Non Interest Income, 3 Yr. CAGR %	0.01	9.3	0.04	3.6	4.43
Provision For Loan Losses, 3 Yr. CAGR %	-2.47	10.97	-6.93	-6.51	-21.36
Total Revenues, 3 Yr. CAGR %	-0.8	5.59	7.08	15.82	16.14
Earnings From Cont. Operations, 3 Yr. CAGR %	-19.23	14.52	22.93	81.8	35.38
Net Income, 3 Yr. CAGR %	-18.46	15.9	26.59	116.49	31.75
Normalized Net Income, 3 Yr. CAGR %	-7.8	21.19	19.72	46.24	42.47
Diluted EPS Before Extra, 3 Yr. CAGR %	-19.63	14.7	23.41	81.8	35.71
Dividend Per Share, 3 Yr. CAGR %	-15.54	17.61	23.87	63.47	49.56
Gross Loans, 3 Yr. CAGR %	6.04	4.65	4.58	2.74	1.68
Allowance For Loan Losses, 3 Yr. CAGR %	-19.75	9.14	-3.36	-4.22	-2.11
Net Loans, 3 Yr. CAGR %	7.47	4.55	4.78	2.92	1.77
Non Performing Loans, 3 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 3 Yr. CAGR %	-	-	-	-	-
Total Assets, 3 Yr. CAGR %	3.82	9.37	7.32	5.81	1.53
Total Deposits, 3 Yr CAGR %	2.95	4.7	3.73	3.43	2.11
Tangible Book Value, 3 Yr. CAGR %	2.41	6.95	5.2	10.35	9.53
Common Equity, 3 Yr. CAGR %	2.39	6.87	5.16	10.81	9.96
Total Equity, 3 Yr. CAGR %	0.52	5.16	5.16	10.81	9.97
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-3.06	1.03	3.73	10.79	11.91
Non Interest Income, 5 Yr. CAGR %	-2.58	2.98	-0.1	4.95	4.51
Provision For Loan Losses, 5 Yr. CAGR %	-13.37	-0.85	-11.26	-1.53	-4.53
Total Revenues, 5 Yr. CAGR %	0.89	2.56	4.52	10.26	10.52
Earnings From Cont. Operations, 5 Yr. CAGR %	-8.82	16.54	10.66	31.24	24.87
Net Income, 5 Yr. CAGR %	-9.1	16.53	13.27	46.8	25.61
Normalized Net Income, 5 Yr. CAGR %	-1.5	2.06	11.65	28.7	22.57
Diluted EPS Before Extra, 5 Yr. CAGR %	-9.88	15.8	10.59	31.36	25.34
Dividend Per Share, 5 Yr. CAGR %	-6.55	10.04	14.49	25.71	34.54
Gross Loans, 5 Yr. CAGR %	5.72	6.98	5.02	3.05	3.61
Allowance For Loan Losses, 5 Yr. CAGR %	-10.79	-11.9	-15.1	2.96	-0.63
Net Loans, 5 Yr. CAGR %	6.66	8	5.98	3.05	3.72
Non Performing Loans, 5 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 5 Yr. CAGR %	-	-	-	-	-
Total Assets, 5 Yr. CAGR %	5.04	7.56	4.62	6.4	5.6
Total Deposits, 5 Yr CAGR %	4.54	3.94	2.53	3.92	3.7
Tangible Book Value, 5 Yr. CAGR %	2.76	4.7	3.93	8.46	8.22
Common Equity, 5 Yr. CAGR %	2.71	4.63	3.9	8.7	8.45
Total Equity, 5 Yr. CAGR %	1.54	3.46	2.76	7.66	8.45