BANCA POPOLARE DI SONDRIO SOCIETA' PER AZIONI financials
BANCA POPOLARE DI SONDRIO SOCIETA' PER AZIONI
Country: IT Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
J48C8PCSJVUBR8KCW529 Financial statements
(EUR, as reported — unscaled; 82 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €714.5M | €660.4M |
| Profit before tax | €945.7M | €840.7M |
| Income tax expense | €297.8M | €265.8M |
| Profit for the year | €648.0M | €574.9M |
| — attributable to owners | €648.0M | €574.9M |
| — attributable to NCI | €0 | €0 |
| Total comprehensive income | €786.3M | €597.7M |
| Cash flow statement | ||
| Cash generated from operations | €1.06B | €1.15B |
| Net cash from operating activities | -€50.5M | -€505.9M |
| Net cash from investing activities | €5.7M | -€41.5M |
| Purchase of intangibles | €28.4M | €22.5M |
| Net cash from financing activities | -€360.3M | -€252.1M |
| Dividends paid | €360.3M | €251.9M |
| Net change in cash | -€405.2M | -€799.4M |
| Balance sheet | ||
| Total assets | €58.34B | €56.63B |
| Intangible assets & goodwill | €30.3M | €35.8M |
| Cash & equivalents | €3.33B | €3.74B |
| Non-controlling interests | €14.0K | €14.0K |
| Deferred tax liabilities | €106.0M | €30.9M |
| Derived metrics | ||
| Cash conversion ratio | -0.08× | -0.88× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets At Fair Value Through Profit Or Loss Designated Upon Initial Recognition Or Subsequently | €0 | €0 |
| Adjustments For Decrease Increase In Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | -€65.5M | -€36.8M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -€44.1M | -€10.9M |
| Adjustments For Decrease Increase In Financial Assets Measured At Amortised Cost | -€2.45B | -€252.6M |
| Adjustments For Decrease Increase In Financial Assets Measured At Fair Value Through Other Comprehensive Income | €252.3M | €569.8M |
| Adjustments For Decrease Increase In Other Financial Assets | €59.9M | -€531.3M |
| Adjustments For Increase Decrease In Financial Liabilities At Fair Value Through Profit Or Loss Designated Upon Initial Recognition Or Subsequently | €0 | €0 |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€2.7M | -€39.1M |
| Adjustments For Increase Decrease In Other Financial Liabilities | €145.5M | €125.2M |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €0 |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €0 | €0 |
| Comprehensive Income Attributable To Noncontrolling Interests | €0 | €0 |
| Comprehensive Income Attributable To Owners of Parent | €786.3M | €597.7M |
| Current Tax Assets | €540.0K | €1.8M |
| Current Tax Liabilities | €63.3M | €41.5M |
| Debt Instruments Issued At Amortised Cost | €5.47B | €5.15B |
| Deferred Tax Assets | €212.9M | €188.3M |
| Deposits From Banks At Amortised Cost | €5.24B | €6.23B |
| Deposits From Customers At Amortised Cost | €41.10B | €39.35B |
| Derivative Financial Assets Held For Hedging | €0 | €0 |
| Derivative Financial Liabilities Held For Hedging | €1.1M | €2.4M |
| Dividends Received Classified As Investing Activities | €39.6M | €29.2M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €759.0K | -€8.9M |
| Equity and Liabilities | €58.34B | €56.63B |
| Fee and Commission Expense | €21.5M | €21.0M |
| Fee and Commission Income | €492.1M | €455.5M |
| Fee and Commission Income Expense | €470.6M | €434.5M |
| Financial Assets At Amortised Cost | €47.82B | €45.46B |
| Financial Assets At Fair Value Through Profit Or Loss | €842.4M | €739.9M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €216.9M | €174.0M |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value Other Than Those Classified As Held For Trading | €625.5M | €565.8M |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €2.39B | €2.66B |
| Financial Liabilities At Amortised Cost | €51.81B | €50.73B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €18.0M | €16.6M |
| Gains Losses On Disposals of Investments | €607.0K | €410.0K |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €33.7M | €195.5M |
| Interest Revenue Calculated Using Effective Interest Method | €1.66B | €2.07B |
| Investment Accounted For Using Equity Method | €416.4M | €402.8M |
| Issued Capital | €1.36B | €1.36B |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €76.3M | €3.0K |
| Loans and Advances To Banks At Amortised Cost | €2.02B | €2.14B |
| Loans and Advances To Customers At Amortised Cost | €45.80B | €43.32B |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €32.4M | €108.6M |
| Other Adjustments To Reconcile Profit Loss | -€151.1M | -€13.5M |
| Other Assets | €2.43B | €2.63B |
| Other Cash Payments To Acquire Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €1.4M | €940.0K |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €0 | €0 |
| Other Comprehensive Income | €138.3M | €22.8M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | -€12.7M | €197.0K |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€2.7M | -€7.0M |
| Other Liabilities | €1.26B | €1.23B |
| Other Operating Income Expense | €90.7M | €99.6M |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €0 | €0 |
| Profit Loss From Continuing Operations | €648.0M | €574.9M |
| Provisions | €407.2M | €390.6M |
| Revenue From Dividends | €11.1M | €6.5M |
| 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 | €875.0K | €3.2M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Net of Tax | €82.0K | €90.0K |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €44.5M | €44.7M |
| Share Premium | €79.0M | €78.9M |
| Trading Income Expense | €91.8M | €124.5M |
| Treasury Shares | €25.2M | €25.2M |
Methodology
Every line item above is a fact tagged in BANCA POPOLARE DI SONDRIO SOCIETA' PER AZIONI'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.