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

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BMPS

IT0005508921

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

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.9B	2.15B	4.36B	4.68B	4.63B
Interest Income On Investments	13.72M	26.35M	26.55M	22.72M	38.26M
Interest Income, Total	1.91B	2.18B	4.39B	4.7B	4.67B
Interest On Deposits	680M	614M	2.07B	2.36B	2.08B
Interest Expense, Total	680M	614M	2.07B	2.36B	2.08B
Net Interest Income	1.23B	1.56B	2.32B	2.34B	2.58B
Income From Trading Activities	19.77M	-23.75M	54.98M	128M	83.37M
Gain (Loss) on Sale of Loans	123M	50.83M	9.12M	-7.68M	88.58M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	103M	120M	91.3M	66.14M	130M
Total Other Non Interest Income	1.49B	1.37B	1.32B	1.44B	1.78B
Non Interest Income, Total	1.74B	1.52B	1.48B	1.63B	2.09B
Revenues Before Provison For Loan Losses	2.97B	3.08B	3.8B	3.97B	4.67B
Provision For Loan Losses	196M	430M	431M	406M	818M
Total Revenues	2.77B	2.65B	3.36B	3.57B	3.85B
Salaries And Other Employee Benefits	1.43B	1.39B	1.18B	1.22B	1.55B
Amort. of Goodwill & Intang. Assets	66.31M	68.36M	66.59M	66.02M	72.15M
Occupancy Expense	132M	118M	108M	100M	110M
Selling General & Admin Expenses, Total	776M	789M	672M	595M	679M
Total Other Non Interest Expense	-92.04M	-26.12M	-83.56M	-23.84M	-228M
Non Interest Expense, Total	2.31B	2.34B	1.95B	1.95B	2.18B
EBT, Excl. Unusual Items	456M	303M	1.42B	1.61B	1.67B
Restructuring Charges	-	-932M	-22.8M	-35.7M	-
Asset Writedown	-47.41M	-31.82M	-53.86M	-29.95M	-28.04M
Insurance Settlements	-	-	-	-	-
Legal Settlements	-154M	28.61M	367M	-81.88M	-54.12M
Other Unusual Items	4.18M	12K	-687K	-1.63M	-524K
EBT, Incl. Unusual Items	258M	-631M	1.71B	1.46B	1.59B
Income Tax Expense	-51.17M	-427M	-345M	-508M	-1.12B
Earnings From Continuing Operations	309M	-205M	2.05B	1.97B	2.71B
Earnings Of Discontinued Operations	-	-	-	-22.02M	-224K
Net Income to Company	309M	-205M	2.05B	1.95B	2.71B
Minority Interest	176K	148K	156K	160K	4.38M
Net Income - (IS)	310M	-205M	2.05B	1.95B	2.72B
Net Income to Common Incl Extra Items	310M	-205M	2.05B	1.95B	2.72B
Net Income to Common Excl. Extra Items	310M	-205M	2.05B	1.97B	2.72B
Per Share Items
Net EPS - Basic	31.39	-0.98	1.63	1.55	1.54
Basic EPS - Continuing Operations	31.39	-0.98	1.63	1.57	1.54
Basic Weighted Average Shares Outstanding	9.86M	210M	1.26B	1.26B	1.77B
Net EPS - Diluted	31.39	-0.98	1.63	1.55	1.54
Diluted EPS - Continuing Operations	31.39	-0.98	1.63	1.57	1.54
Diluted Weighted Average Shares Outstanding	9.86M	210M	1.26B	1.26B	1.77B
Normalized Basic EPS	28.9	0.9	0.7	0.8	0.59
Normalized Diluted EPS	28.9	0.9	0.7	0.8	0.59
Dividend Per Share	-	-	0.25	0.86	0.86
Payout Ratio	-	-	-	16.14	39.89
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	-19.82	67.56	-20.22	-34.69	-70.75
Current Domestic Taxes	-123M	-49.87M	72.8M	99.23M	334M
Total Current Taxes	-123M	-49.87M	72.8M	99.23M	334M
Deferred Domestic Taxes	72.17M	-377M	-418M	-607M	-1.46B
Total Deferred Taxes	72.17M	-377M	-418M	-607M	-1.46B
Normalized Net Income	285M	190M	886M	1.01B	1.05B
Non-Cash Pension Expense	978K	2.75M	2.77M	-	2.13M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	3K	11K	-	3.96M	6.45M
Total Stock-Based Compensation	3K	11K	-	3.96M	6.45M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.74B	12.54B	14.32B	13.25B	14.63B
Investment Securities, Total	13.6B	10.16B	11.43B	12.02B	32.81B
Trading Asset Securities, Total	9.95B	6.61B	6.15B	5.9B	24.36B
Total investments	23.55B	16.77B	17.58B	17.92B	57.17B
Gross Loans	86.15B	85.16B	84.25B	83.48B	154B
Allowance For Loan Losses	-2.38B	-2.02B	-2.19B	-2.18B	-2.88B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	83.76B	83.14B	82.06B	81.3B	151B
Gross Property Plant And Equipment	4.49B	4.4B	4.36B	-	5.41B
Accumulated Depreciation	-2.26B	-2.33B	-2.42B	-	-2.79B
Net Property Plant And Equipment	2.24B	2.07B	1.94B	2.11B	2.62B
Goodwill	7.9M	7.9M	7.9M	7.9M	2.96B
Other Intangibles, Total	177M	155M	170M	148M	375M
Investment in Real Estate	254M	304M	285M	-	622M
Accrued Interest Receivable	517M	512M	-	-	-
Other Receivables	1.17B	1.76B	2.21B	2.19B	3.16B
Restricted Cash	20.74B	524M	502M	535M	930M
Other Current Assets, Total	2B	166M	695M	1.79B	2.02B
Deferred Tax Assets Long-Term (Collected)	1.05B	1.5B	1.84B	2.43B	4.09B
Deferred Charges Long-Term	36.22M	31.92M	17.07M	14.13M	11.83M
Other Long-Term Assets, Total	633M	702M	982M	910M	2.34B
Total Assets	138B	120B	123B	123B	242B
Liabilities
Accounts Payable, Total	277M	198M	196M	192M	592M
Accrued Expenses, Total	455M	1.28B	1.1B	855M	1.37B
Interest Bearing Deposits	7.19B	5.4B	5.73B	7.47B	16.86B
Non-Interest Bearing Deposits	66.28B	65.98B	65.73B	66.41B	92.39B
Total Deposits	73.47B	71.38B	71.47B	73.88B	109B
Short-Term Borrowings	8.47B	2.83B	15.55B	17.31B	34.5B
Current Portion of Leases	43.27M	49.12M	43.9M	46.46M	85.22M
Long-Term Debt	42.12B	30.6B	19.27B	12.87B	53.46B
Long-Term Leases	183M	162M	147M	120M	322M
Current Income Taxes Payable	14K	16K	3.6M	1.28M	218M
Other Current Liabilities - (Bank / Utility Template)	3.12B	2.59B	1.83B	2.64B	7.16B
Pension & Other Post Retirement Benefits	189M	96.8M	75.37M	72.99M	88.92M
Deferred Tax Liability Non-Current	7.04M	6.62M	5.46M	4.34M	947M
Other Non Current Liabilities	3.37B	3.17B	2.94B	2.97B	3.44B
Total Liabilities	132B	112B	113B	111B	211B
Common Stock, Total	9.2B	7.45B	7.45B	7.45B	17.98B
Additional Paid In Capital	-	-	-	-	3.15B
Retained Earnings	-3.21B	708M	2.63B	4.14B	5.79B
Treasury Stock	-	-	-	-	-1.76M
Comprehensive Income and Other	188M	-363M	-104M	57.22M	1.05B
Total Common Equity	6.17B	7.8B	9.98B	11.65B	27.96B
Minority Interest	1.35M	936K	651K	336K	2.25B
Total Equity	6.17B	7.8B	9.98B	11.65B	30.21B
Total Liabilities And Equity	138B	120B	123B	123B	242B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10.02M	1.26B	1.26B	1.26B	3.04B
ECS Total Common Shares Outstanding	10.02M	1.26B	1.26B	1.26B	3.04B
Book Value / Share	615.78	6.19	7.92	9.25	9.2
Tangible Book Value	5.99B	7.63B	9.8B	11.49B	24.63B
Tangible Book Value Per Share	597.31	6.06	7.78	9.12	8.11
Total Debt	50.82B	33.65B	35.01B	30.34B	88.37B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-50.7M	-111M	-134M	-	-116M
Net Debt	33.15B	10.37B	7.24B	3.23B	34.24B
Full Time Employees	21.24K	17.02K	16.74K	14.98K	20.2K
Part Time Employees	-	-	-	1.74K	1.88K
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	310M	-205M	2.05B	1.95B	2.72B
Depreciation, Depletion & Amortization	139M	124M	114M	105M	114M
Amortization of Goodwill and Intangible Assets - (CF)	50.53M	1.01M	54K	57K	3.84M
Total Depreciation, Depletion & Amortization	190M	125M	115M	105M	118M
Amortization of Deferred Charges, Total	15.78M	67.35M	66.53M	65.96M	68.31M
(Gain) Loss on Sale of Investments - (CF)	32.65M	-285M	-115M	-139M	182M
Total Asset Writedown	-383M	559M	637M	588M	1.01B
Provision for Credit Losses	749M	-	-	-	-
Change in Trading Asset Securities	-944M	3.14B	2.85B	81.11M	-1.66B
Change in Unearned Revenues	-	-	-	-	-404K
Change in Other Net Operating Assets (Collected)	-428M	5.47B	-2.95B	-2.89B	794M
Other Operating Activities	-93.29M	-495M	-883M	-561M	-1.49B
Net Cash From Discontinued Operations	-	-	-	6.53M	232K
Cash from Operations	-552M	8.38B	1.77B	-792M	1.74B
Capital Expenditure	-39.74M	-19.24M	-28.4M	-30.77M	-40.9M
Sale of Property, Plant, and Equipment	8.23M	2.53M	2.15M	72.09M	41.21M
Cash Acquisitions	-	-	-	-	868M
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-68.94M	-46.47M	-83.03M	-37.65M	-76.01M
Investment in Marketable and Equity Securities, Total	1.02M	-	-	-	-
Other Investing Activities, Total	30.37M	107M	116M	35.48M	32.76M
Cash from Investing	-69.07M	44.09M	7.08M	39.15M	825M
Issuance of Common Stock	42.98M	2.37B	-	-	-
Repurchase of Common Stock	-	-	-2.63M	-	-96.41M
Common Dividends Paid	-	-	-	-315M	-1.08B
Common & Preferred Stock Dividends Paid	-	-	-	-315M	-1.08B
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Other Financing Activities, Total	-53K	-86K	-96K	-108K	-105K
Cash from Financing	42.93M	2.37B	-2.73M	-315M	-1.18B
Net Change in Cash	-578M	10.8B	1.78B	-1.07B	1.38B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.21	-0.16	1.69	1.61	1.49
Return On Equity %	5.18	-2.93	23	18.24	12.96
Return on Common Equity	5.18	-2.93	23	18.24	13.71
Shareholders Value Added	-357M	-460M	996M	676M	343M
Margin Analysis
SG&A Margin	83.09	85.52	57.38	52.74	59.9
Net Interest Income / Total Revenues %	44.44	59	68.92	65.69	67.07
EBT Excl. Non-Recurring Items Margin %	16.45	11.46	42.13	45.23	43.37
Income From Continuing Operations Margin %	11.17	-7.74	60.99	55.29	70.39
Net Income Margin %	11.17	-7.73	60.99	54.68	70.5
Net Avail. For Common Margin %	11.17	-7.73	60.99	55.3	70.5
Normalized Net Income Margin	10.29	7.17	26.33	28.27	27.22
Asset quality
Nonperforming Loans / Total Loans %	4.7	3.86	4.12	-	2.75
Nonperforming Loans / Total Assets %	2.94	2.73	2.83	-	1.75
Nonperforming Assets / Total Assets %	2.94	2.73	2.83	-	1.75
NPAs / Loans and OREO	4.7	3.86	4.12	-	2.75
NPAs / Equity	65.62	42.14	34.81	-	13.98
Allowance for Credit Losses / Net Charge-offs %	1.77K	1.8K	2.84K	-	-
Allowance for Credit Losses / Nonperforming Loans %	58.86	61.5	63.1	-	68.23
Allowance for Credit Losses / Total Loans %	2.77	2.37	2.6	2.62	1.88
Provision for Loan Losses / Net Charge-offs %	145.64	382.25	558.23	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.14	5.41	7.35	8.82	10.87
Total Average Equity / Total Average Assets %	4.15	5.41	7.35	8.82	11.49
Total Equity + Allowance for Loan Losses / Total Loans %	9.93	11.53	14.45	16.57	20.08
Gross Loans / Total Deposits %	117.26	119.3	117.88	113	140.6
Net Loans / Total Deposits %	114.01	116.47	114.81	110.05	137.96
Tier 1 Capital Ratio %	12.54	16.64	18.14	-	16.36
Total Capital Ratio %	16.12	20.52	21.64	-	18.41
Core Tier 1 Capital Ratio	12.54	16.64	18.14	-	16.25
Tier 2 Capital Ratio	3.59	3.88	3.49	-	2.06
Coverage Ratio	58.86	61.5	63.1	-	68.23
Interbank Ratio	200.45	181.08	367.67	339.16	58.98
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.38	-0.03	1.82	1.62	1.76
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-3.97	26.88	48.47	2.52	10.25
Non Interest Income, 1 Yr. Growth %	4.5	-12.68	-3.95	15.91	27.97
Provision For Loan Losses, 1 Yr. Growth %	-73.79	119.06	0.2	-3.07	101.3
Total Revenues, 1 Yr. Growth %	26.3	-4.44	26.06	8.99	7.98
Earnings From Cont. Operations, 1 Yr. Growth %	-118.34	-166.22	-1.25K	-3.65	37.46
Net Income, 1 Yr. Growth %	-118.35	-166.14	-1.25K	-4.92	39.21
Normalized Net Income, 1 Yr. Growth %	-167.77	-32.97	-335.43	18.78	4.12
Diluted EPS Before Extra, 1 Yr. Growth %	-120.33	-103.11	-291.62	-3.63	-1.85
Dividend Per Share, 1 Yr. Growth %	-	-	-	244	0
Gross Loans, 1 Yr. Growth %	-2.94	-3.21	-1.08	-0.91	83.99
Allowance For Loan Losses, 1 Yr. Growth %	-0.52	-15.27	8	-0.37	31.97
Net Loans, 1 Yr. Growth %	-3.01	-2.87	-1.3	-0.93	85.38
Non Performing Loans, 1 Yr. Growth %	4.26	-18.9	5.7	-	15.37
Non Performing Assets, 1 Yr. Growth %	4.26	-18.9	5.7	-	15.37
Total Assets, 1 Yr. Growth %	-8.3	-12.84	1.98	-0.01	97.09
Total Deposits, 1 Yr Growth %	-6.2	-2.84	0.12	3.37	47.87
Tangible Book Value, 1 Yr. Growth %	7.15	27.52	27.32	17.27	114.26
Common Equity, 1 Yr. Growth %	6.95	26.32	26.95	16.74	140.03
Total Equity, 1 Yr. Growth %	6.95	26.31	26.95	16.74	159.33
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-9.47	10.38	37.25	22.5	6.31
Non Interest Income, 2 Yr. CAGR %	-1.06	-4.47	-7.76	2.98	21.79
Provision For Loan Losses, 2 Yr. CAGR %	-42.94	-24.22	48.16	-2.84	39.69
Total Revenues, 2 Yr. CAGR %	1.83	9.86	10.21	15.62	8.48
Earnings From Cont. Operations, 2 Yr. CAGR %	-44.8	-65.15	157.54	232.43	15.09
Net Income, 2 Yr. CAGR %	-45.26	-65.16	157.47	230.72	15.05
Normalized Net Income, 2 Yr. CAGR %	74.85	-32.84	76.94	63.73	11.12
Diluted EPS Before Extra, 2 Yr. CAGR %	-41.57	-92.05	-77.22	35.73	-2.75
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	85.47
Gross Loans, 2 Yr. CAGR %	-4.84	-2.05	-2.14	-0.99	35.02
Allowance For Loan Losses, 2 Yr. CAGR %	-34.85	-8.19	-4.14	3.73	14.66
Net Loans, 2 Yr. CAGR %	-3.26	-1.88	-2.09	-1.11	35.52
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 %	2.12	-10.6	-5.69	0.98	40.38
Total Deposits, 2 Yr CAGR %	-6.01	-4.54	-1.37	1.73	23.63
Tangible Book Value, 2 Yr. CAGR %	-14.04	16.89	27.94	22.19	58.52
Common Equity, 2 Yr. CAGR %	-13.65	16.23	27.14	21.74	67.4
Total Equity, 2 Yr. CAGR %	-13.65	16.23	27.13	21.73	73.99
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-10.73	1.31	21.84	23.94	18.27
Non Interest Income, 3 Yr. CAGR %	2.79	-5.09	-3.84	-2.06	10.72
Provision For Loan Losses, 3 Yr. CAGR %	-31.35	-10.66	-16.83	27.41	23.87
Total Revenues, 3 Yr. CAGR %	0.59	-0.3	15.33	8.81	13.02
Earnings From Cont. Operations, 3 Yr. CAGR %	-3.51	-41.34	6.75	85.44	147.66
Net Income, 3 Yr. CAGR %	3.57	-41.7	6.75	84.72	147.85
Normalized Net Income, 3 Yr. CAGR %	45.86	26.71	28.19	52.76	40.72
Diluted EPS Before Extra, 3 Yr. CAGR %	0.22	-78.03	-78.07	-63.19	21.83
Gross Loans, 3 Yr. CAGR %	-0.26	-3.62	-1.72	-1.73	21.72
Allowance For Loan Losses, 3 Yr. CAGR %	-	-28.88	-2.95	-2.9	12.4
Net Loans, 3 Yr. CAGR %	-1.19	-2.43	-1.69	-1.7	21.93
Non Performing Loans, 3 Yr. CAGR %	-	-33.02	-3.67	-	8.72
Non Performing Assets, 3 Yr. CAGR %	-	-33.02	-3.67	-	8.72
Total Assets, 3 Yr. CAGR %	1.85	-3.13	-6.57	-3.84	26.2
Total Deposits, 3 Yr CAGR %	-2.87	-4.96	-3.01	0.19	15.24
Tangible Book Value, 3 Yr. CAGR %	-11.97	-1.96	20.6	24.28	47.35
Common Equity, 3 Yr. CAGR %	-11.79	-1.98	20.02	23.58	52.66
Total Equity, 3 Yr. CAGR %	-11.79	-1.98	20.01	23.57	56.64
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-9.39	-2.53	6.03	9.31	15.05
Non Interest Income, 5 Yr. CAGR %	-4.82	-6.53	-1.57	-1.66	4.67
Provision For Loan Losses, 5 Yr. CAGR %	-46.47	-39.53	-6.61	-7.61	1.76
Total Revenues, 5 Yr. CAGR %	64.55	13.21	4.33	5.96	11.93
Earnings From Cont. Operations, 5 Yr. CAGR %	-37.45	-43.37	42.9	14.21	9.96
Net Income, 5 Yr. CAGR %	-37.48	-43.33	49.09	13.56	10
Normalized Net Income, 5 Yr. CAGR %	-32.28	-42.16	57.35	61.01	20.05
Diluted EPS Before Extra, 5 Yr. CAGR %	-69.05	-73.41	-44.59	-55.71	-60.23
Gross Loans, 5 Yr. CAGR %	-7.65	-0.28	-0.6	-2.58	11.59
Allowance For Loan Losses, 5 Yr. CAGR %	-38.06	-	-	-17.22	3.75
Net Loans, 5 Yr. CAGR %	-3.88	-0.75	-1.12	-1.91	11.78
Non Performing Loans, 5 Yr. CAGR %	-38.43	-	-	-	1.68
Non Performing Assets, 5 Yr. CAGR %	-38.43	-	-	-	1.68
Total Assets, 5 Yr. CAGR %	-2.08	-2.89	-1.24	-1.5	9.96
Total Deposits, 5 Yr CAGR %	-1.03	-2.65	-2.27	-2.34	6.88
Tangible Book Value, 5 Yr. CAGR %	-0.31	-5.53	2.23	7.24	34.53
Common Equity, 5 Yr. CAGR %	-0.8	-5.65	2.1	7.07	37.1
Total Equity, 5 Yr. CAGR %	-0.9	-5.65	2.1	7.06	39.24