Cash flow Mediobanca S.p.A.

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MB

IT0000062957

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44055341906e32956bb.ci_nxQaPmVJNz8pj6Y3o_zd-qsLtsyTxMBDOmuUAcWo.Ila4oDTA9DsOlp0Wncm4pUE13q-KgFycc0mK0aJLIywAFoqdfs7uGjy_jw

Published financial data: MEDIOBANCA S.P.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: June	2021	2022	2023	2024	2025
Interest Income On Loans	1.82B	1.85B	2.83B	3.97B	3.7B
Interest Income On Investments	107M	118M	78.76M	138M	77.18M
Interest Income, Total	1.93B	1.97B	2.91B	4.11B	3.78B
Interest On Deposits	402M	354M	1.03B	2.03B	1.95B
Interest Expense, Total	402M	354M	1.03B	2.03B	1.95B
Net Interest Income	1.52B	1.61B	1.89B	2.09B	1.84B
Income From Trading Activities	83.92M	-84.82M	99.41M	39.68M	-133M
Gain (Loss) on Sale of Loans	-10.02M	31.13M	4.43M	606K	70.24M
Gain (Loss) on Sale of Assets	-	-5.1M	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	398M	412M	443M	549M	293M
Total Other Non Interest Income	619M	697M	709M	834M	854M
Non Interest Income, Total	1.09B	1.05B	1.26B	1.42B	1.08B
Revenues Before Provison For Loan Losses	2.62B	2.66B	3.14B	3.51B	2.92B
Provision For Loan Losses	264M	204M	232M	246M	329M
Total Revenues	2.35B	2.46B	2.91B	3.26B	2.59B
Salaries And Other Employee Benefits	620M	656M	717M	788M	916M
Amort. of Goodwill & Intang. Assets	32.37M	29.53M	30.19M	80.47M	60.23M
Occupancy Expense	53.22M	57.06M	62.14M	71.11M	80.28M
Selling General & Admin Expenses, Total	591M	623M	664M	678M	697M
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	-51.74M	-74.84M	-48.32M	-68.85M	-596M
Non Interest Expense, Total	1.25B	1.29B	1.43B	1.55B	1.16B
EBT, Excl. Unusual Items	1.11B	1.17B	1.48B	1.71B	1.43B
Restructuring Charges	-1.84M	-2.38M	-3.01M	-2.95M	-3.21M
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-62.47M	-3.73M	-49.54M	-	-102M
Asset Writedown	-200K	-	-1.25M	-1.61M	2.07M
Legal Settlements	-	-	-	-	-
Other Unusual Items	39.38M	-1.02M	-6.36M	1.05M	-6.31M
EBT, Incl. Unusual Items	1.08B	1.16B	1.42B	1.71B	1.33B
Income Tax Expense	272M	252M	395M	434M	301M
Earnings From Continuing Operations	809M	910M	1.03B	1.28B	1.03B
Net Income to Company	809M	910M	1.03B	1.28B	1.03B
Minority Interest	-1.62M	-2.68M	-3.03M	-3.14M	-1.32M
Net Income - (IS)	808M	907M	1.03B	1.27B	1.03B
Net Income to Common Incl Extra Items	808M	907M	1.03B	1.27B	1.03B
Net Income to Common Excl. Extra Items	808M	907M	1.03B	1.27B	1.03B
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	862M	839M	841M	827M	806M
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	867M	843M	845M	833M	806M
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	-	255M	350M	441M	269M
Total Current Taxes	217M	255M	350M	441M	269M
Deferred Domestic Taxes	-	-3.23M	44.83M	-6.63M	31.44M
Total Deferred Taxes	54.46M	-3.23M	44.83M	-6.63M	31.44M
Normalized Net Income	690M	728M	925M	1.07B	895M
Non-Cash Pension Expense	34.51M	35.63M	40.66M	13.23M	2.6M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	14.39M	13.27M	11.18M	15.83M	37.65M
Total Stock-Based Compensation	14.39M	13.27M	11.18M	15.83M	37.65M

Fiscal Period: June	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.97B	8.58B	4.24B	3.36B	1.67B
Investment Securities, Total	12.91B	10.99B	13.86B	17.17B	17.29B
Trading Asset Securities, Total	12.22B	10.92B	11.41B	16.83B	17.58B
Total investments	25.13B	21.92B	25.27B	34B	34.87B
Gross Loans	52.47B	56.79B	58.42B	58.27B	63.65B
Net Loans	52.47B	56.79B	58.42B	58.27B	63.65B
Gross Property Plant And Equipment	723M	783M	846M	885M	1.25B
Accumulated Depreciation	-283M	-337M	-371M	-393M	-434M
Net Property Plant And Equipment	439M	447M	475M	493M	819M
Goodwill	602M	617M	575M	827M	793M
Other Intangibles, Total	142M	222M	222M	218M	231M
Investment in Real Estate	62.85M	59.64M	50.49M	48M	377M
Accrued Interest Receivable	53.95M	63.28M	71.13M	70.01M	116M
Other Receivables	767M	869M	928M	1.12B	1.36B
Restricted Cash	278M	315M	521M	318M	349M
Other Current Assets, Total	7.62M	3.57M	255M	407M	1.67B
Deferred Tax Assets Long-Term (Collected)	584M	597M	524M	-	-
Other Real Estate Owned And Foreclosed	-	-	-	8.86M	9.94M
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	89.88M	94.64M	93.22M	85.15M	85.87M
Total Assets	82.6B	90.57B	91.64B	99.23B	106B
Liabilities
Accrued Expenses, Total	320M	316M	407M	490M	658M
Interest Bearing Deposits	26.5B	30.65B	29.95B	29.12B	32.38B
Non-Interest Bearing Deposits	406M	461M	269M	279M	245M
Total Deposits	26.91B	31.11B	30.22B	29.39B	32.62B
Short-Term Borrowings	8.38B	11.78B	11.46B	16.08B	15.93B
Long-Term Debt	30.17B	31.09B	31.96B	34.86B	38.67B
Long-Term Leases	227M	209M	217M	213M	254M
Current Income Taxes Payable	211M	257M	417M	360M	206M
Other Current Liabilities - (Bank / Utility Template)	4.41B	4.13B	4.51B	5.4B	5.2B
Unearned Revenue Non Current	120M	108M	102M	-	-
Pension & Other Post Retirement Benefits	28.3M	21.97M	20.58M	20.44M	18.03M
Deferred Tax Liability Non-Current	339M	403M	450M	390M	466M
Other Non Current Liabilities	388M	391M	448M	774M	536M
Total Liabilities	71.5B	79.82B	80.21B	87.98B	94.56B
Common Stock, Total	444M	444M	444M	445M	445M
Additional Paid In Capital	2.2B	2.2B	2.2B	2.2B	1.77B
Retained Earnings	7.66B	7.82B	8.7B	1.27B	513M
Treasury Stock	-217M	-241M	-78.88M	-68.83M	-103M
Comprehensive Income and Other	931M	434M	62.13M	7.31B	8.81B
Total Common Equity	11.01B	10.65B	11.33B	11.16B	11.43B
Minority Interest	88.31M	102M	104M	86.11M	14.56M
Total Equity	11.1B	10.75B	11.43B	11.24B	11.45B
Total Liabilities And Equity	82.6B	90.57B	91.64B	99.23B	106B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	862M	839M	841M	827M	807M
ECS Total Common Shares Outstanding	862M	839M	841M	827M	807M
Book Value / Share	12.77	12.69	13.47	13.5	14.18
Tangible Book Value	10.27B	9.81B	10.53B	10.11B	10.41B
Tangible Book Value Per Share	11.91	11.69	12.52	12.23	12.91
Total Debt	38.77B	43.08B	43.64B	51.15B	54.85B
Debt Equivalent of Unfunded Proj. Benefit Obligation	1.41M	-782K	-617K	-118K	181K
Net Debt	21.05B	20.85B	24.5B	25.27B	28.44B
Equity Method Investments, Total	3.7B	3.16B	3.56B	3.79B	4.24B
Full Time Employees	4.92K	5.02K	5.23K	5.44K	5.42K

Fiscal Period: June	2021	2022	2023	2024	2025
Net Income	808M	907M	1.03B	1.27B	1.03B
Depreciation, Depletion & Amortization	53.22M	57.06M	62.14M	71.11M	80.28M
Amortization of Goodwill and Intangible Assets - (CF)	9.48M	29.53M	30.19M	38.57M	5.78M
Total Depreciation, Depletion & Amortization	62.7M	86.58M	92.34M	110M	86.06M
Amortization of Deferred Charges, Total	22.89M	22.68M	17.02M	31.73M	29.8M
Total Asset Writedown	200K	-	-	-	24.65M
Change in Trading Asset Securities	-678M	1.66B	-1.51B	-5.59B	463M
Change in Other Net Operating Assets (Collected)	-1.06B	3.66B	-2.38B	4.11B	2.61B
Other Operating Activities	-558M	-480M	-406M	500M	-1.76B
Cash from Operations	-1.4B	5.86B	-3.16B	440M	2.49B
Capital Expenditure	-26.34M	-26.46M	-39.75M	-51.16M	-23.39M
Sale of Property, Plant, and Equipment	546K	2.08M	9.7M	128K	17.29M
Cash Acquisitions	-	-	-	55K	-
Divestitures	-	-	246K	-	-
Purchase / Sale of Intangible Assets	-28.54M	-25.9M	-36.35M	-36.5M	-50.7M
Investment in Marketable and Equity Securities, Total	207M	314M	236M	107M	9.13M
Cash from Investing	153M	264M	170M	19.05M	-47.68M
Issuance of Common Stock	-	-	-	6.25M	3.18M
Repurchase of Common Stock	-	-241M	-	-188M	-85.28M
Common Dividends Paid	-3.69M	-580M	-634M	-1.15B	-1.08B
Common & Preferred Stock Dividends Paid	-3.69M	-580M	-634M	-1.15B	-1.08B
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	-	-	-
Cash from Financing	-3.69M	-821M	-634M	-1.33B	-1.16B
Foreign Exchange Rate Adjustments	-	-	-	-	42K
Net Change in Cash	-1.25B	5.31B	-3.62B	-876M	1.28B
Supplemental Items
Cash Interest Paid	441M	294M	1.36B	3.37B	2.58B
Cash Income Tax Paid (Refund)	279M	288M	257M	499M	561M

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	-421M	-362M	-259M	-35.16M	19.75M
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