Below are the financial statements of Banca Popolare di Sondrio, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in thousands of EUR | 2024 | 2023 |
|---|---|---|
| Interest and similar income | 2,118,032a | 1,812,025a |
| Of which: interest income calculated using the effective interest method | 2,065,165a | 1,795,686a |
| Interest and similar expenses | -1,027,928a | -875,070a |
| Net interest income | 1,090,104a | 936,955a |
| Fee and commission income | 455,493a | 423,567a |
| Fee and commission expense | -20,991a | -21,007a |
| Net fee and commission income | 434,502a | 402,560a |
| Dividends and similar income | 6,501a | 7,652a |
| Net trading income | 124,507a | 112,981a |
| Net hedging gain (loss) | 2a | -76a |
| Gains (losses) from sales or repurchases | 14,567a | 6,565a |
| Financial assets measured at amortised cost | 10,680a | 7,644a |
| Financial assets measured at fair value through other comprehensive income | 3,210a | -1,166a |
| Financial liabilities | 677a | 87a |
| Net gains/losses on other financial assets and liabilities measured at fair value through profit or loss | -7,752a | 5,208a |
| Other financial assets mandatorily measured at fair value | -7,752a | 5,208a |
| Total income | 1,662,431a | 1,471,845a |
| Net adjustments/write-backs for credit risk related to | -195,464a | -202,267a |
| Financial assets measured at amortised cost | -195,610a | -202,614a |
| Financial assets measured at fair value through other comprehensive income | -146a | -347a |
| Gains/losses from contractual amendments not resulting in derecognition | -3,997a | 6,550a |
| Net financial income | 1,462,970a | 1,276,128a |
| Balance of financial and insurance management | 1,462,970a | 1,276,128a |
| Administrative expenses | -660,415a | -622,158a |
| Personnel expenses | -321,497a | -300,268a |
| Other administrative expenses | -338,918a | -321,890a |
| Net allocations to provisions for risks and charges | -22,751a | -59,470a |
| Commitments for guarantees given | -7,273a | -32,982a |
| Other net provisions | -30,024a | -26,488a |
| Depreciation and net impairment losses on property, equipment and investment property | -56,444a | -53,836a |
| Amortisation and net impairment losses on intangible assets | -19,929a | -18,647a |
| Other operating income/expense | 99,648a | 101,562a |
| Operating costs | -659,891a | -652,549a |
| Gains (losses) on equity investments | 44,706a | 38,524a |
| Net result of fair value measurement of property, equipment and investment property and intangible assets | -3,100a | -2,288a |
| Value adjustments of goodwill | -4,365a | 0a |
| Gains (losses) on sales of investments | 410a | 469a |
| Pre-tax profit (loss) from continuing operations | 840,730a | 660,284a |
| Income taxes for the year from current operations | -265,788a | -199,122a |
| Post-tax profit (loss) from continuing operations | 574,942a | 461,162a |
| Profit (loss) for the year | 574,942a | 461,162a |
| (Profit) loss for the year attributable to non-controlling interests | 0a | 0a |
| Profit (loss) for the year attributable to the parent company | 574,942a | 461,162a |
| Other financial assets mandatorily measured at fair value | 565,838a | 540,897a |
| Financial assets measured at fair value through other comprehensive income | 2,656,254a | 3,212,616a |
| Financial assets measured at amortised cost | 45,459,416a | 45,530,807a |
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