CREDITO EMILIANO SPA financials
CREDITO EMILIANO SPA
Country: IT Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
8156004B244AA70DE787 ISIN: IT0003121677 Financial statements
(EUR, as reported — unscaled; 83 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €1.09B | €1.08B |
| Profit before tax | €868.6M | €911.1M |
| Income tax expense | €247.2M | €291.0M |
| Profit for the year | €621.5M | €620.1M |
| — attributable to owners | €621.5M | €620.1M |
| Total comprehensive income | €666.5M | €639.7M |
| Per share | ||
| Basic EPS | €1.83 | — |
| Diluted EPS | €1.83 | — |
| Cash flow statement | ||
| Cash generated from operations | €227.3M | €386.5M |
| Net cash from operating activities | -€2.53B | -€1.82B |
| Net cash from investing activities | -€6.5M | -€77.1M |
| Purchase of intangibles | €71.3M | €60.4M |
| Net cash from financing activities | -€272.0M | -€218.6M |
| Dividends paid | €255.8M | €221.4M |
| Net change in cash | -€2.80B | -€2.12B |
| Balance sheet | ||
| Total assets | €68.13B | €67.97B |
| Intangible assets & goodwill | €515.6M | €500.7M |
| Cash & equivalents | €1.40B | €4.21B |
| Non-controlling interests | €4.0K | €4.0K |
| Deferred tax liabilities | €307.7M | €291.0M |
| Derived metrics | ||
| Cash conversion ratio | -4.06× | -2.94× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -€42.8M | -€32.8M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€553.0K | -€12.7M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | -€95.0M | €0 |
| Comprehensive Income Attributable To Owners of Parent | €666.5M | €639.7M |
| Current Tax Assets | €54.0M | €14.5M |
| Current Tax Liabilities | €21.1M | €42.3M |
| Debt Instruments Issued At Amortised Cost | €4.52B | €4.45B |
| Deferred Tax Assets | €389.9M | €403.1M |
| Deposits From Banks At Amortised Cost | €3.12B | €5.54B |
| Deposits From Customers At Amortised Cost | €42.85B | €41.49B |
| Derivative Financial Assets Held For Hedging | €179.1M | €427.2M |
| Derivative Financial Liabilities Held For Hedging | €482.2M | €731.8M |
| Equity and Liabilities | €68.13B | €67.97B |
| Fee and Commission Expense | €218.0M | €203.7M |
| Fee and Commission Income | €858.3M | €862.3M |
| Fee and Commission Income Expense | €640.3M | €658.7M |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €93.0K | €98.0K |
| Financial Assets At Amortised Cost | €47.71B | €45.27B |
| Financial Assets At Fair Value Through Profit Or Loss | €6.33B | €5.71B |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €40.9M | €34.2M |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €6.29B | €5.67B |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €9.71B | €9.49B |
| Financial Liabilities At Amortised Cost | €50.49B | €51.48B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €13.9M | €14.5M |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €4.74B | €4.40B |
| Gains Losses On Disposals of Investments | €1.7M | €14.0K |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €50.7M | €46.7M |
| Insurance Contracts Issued That Are Liabilities | €5.77B | €4.99B |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€163.6M | -€148.8M |
| Insurance Revenue | €113.7M | €100.3M |
| Insurance Service Expenses From Insurance Contracts Issued | €39.0M | €37.7M |
| Insurance Service Result | €73.6M | €61.9M |
| Interest Revenue Calculated Using Effective Interest Method | €1.64B | €1.93B |
| Investment Accounted For Using Equity Method | €62.6M | €59.9M |
| Issued Capital | €341.3M | €341.3M |
| Loans and Advances To Banks At Amortised Cost | €2.46B | €1.58B |
| Loans and Advances To Customers At Amortised Cost | €45.25B | €43.69B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €0 | €533.0K |
| Other Adjustments To Reconcile Profit Loss | -€557.7M | -€536.9M |
| Other Assets | €1.25B | €1.31B |
| Other Cash Payments To Acquire Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €115.0K | €315.0K |
| Other Comprehensive Income | €45.0M | €19.7M |
| Other Comprehensive Income Net of Tax Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss | €130.0K | €226.0K |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | €3.8M | €2.1M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | €372.0K | €12.0K |
| Other Comprehensive Income Net of Tax Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss | €10.5M | -€42.3M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €40.9M | €17.6M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €4.1M | €2.1M |
| Other Liabilities | €1.45B | €1.46B |
| Other Operating Income Expense | €279.6M | €176.5M |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €0 | €145.0K |
| Profit Loss From Continuing Operations | €621.5M | €620.1M |
| Profit Loss From Discontinued Operations | €621.5M | €620.1M |
| Provisions | €236.0M | €240.9M |
| Reinsurance Contracts Held That Are Assets | €8.8M | €11.3M |
| Reinsurance Contracts Held That Are Liabilities | €801.0K | €382.0K |
| Revenue From Dividends | €47.5M | €43.0M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Net of Tax | €334.0K | €175.0K |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €7.1M | €7.6M |
| Share Premium | €321.8M | €321.8M |
| Trading Income Expense | €27.4M | €26.0M |
| Treasury Shares | €20.0M | €3.8M |
Methodology
Every line item above is a fact tagged in CREDITO EMILIANO SPA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.