Bendigo and Adelaide Bank Limited (ASX:BEN)

Bendigo and Adelaide Bank Income Statement

Financials in millions AUD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	4,924	4,739	3,407	1,745	1,868	2,274
Total Interest Income	4,924	4,739	3,407	1,745	1,868	2,274
Interest Paid on Deposits	3,267	3,103	1,766	332.5	445.3	940.5
Net Interest Income	1,657	1,636	1,641	1,413	1,423	1,334
Net Interest Income Growth (YoY)	1.55%	-0.29%	16.14%	-0.68%	6.65%	3.43%
Other Non-Interest Income	249	234.8	235.2	244.3	245.2	264.6
Total Non-Interest Income	249	234.8	235.2	244.3	245.2	264.6
Non-Interest Income Growth (YoY)	4.01%	-0.17%	-3.72%	-0.37%	-7.33%	-11.77%
Revenues Before Loan Losses	1,906	1,871	1,876	1,657	1,668	1,598
Provision for Loan Losses	-11.4	9.9	33.6	-27.2	18	168.5
Revenue	1,917	1,861	1,842	1,684	1,650	1,430
Revenue Growth (YoY)	4.64%	1.01%	9.39%	2.10%	15.37%	-7.10%
Salaries and Employee Benefits	724.3	669.8	649.7	599.6	586.8	563.8
Occupancy Expenses	135.9	132.4	124	120.3	122.1	129.5
Selling, General & Administrative	53.4	53.4	41.1	33.7	37.1	40.4
Other Non-Interest Expense	352	370.6	294.9	267.8	287.7	305.2
Total Non-Interest Expense	1,266	1,226	1,110	1,021	1,034	1,039
EBT Excluding Unusual Items	651.7	634.8	732.7	662.9	616	391
Asset Writedown	45.7	162.4	-7.9	38.5	137.7	-104.9
Pretax Income	695.1	797.2	724.8	701.4	753.7	286.1
Income Tax Expense	215.6	252.2	227.8	213.3	229.7	93.3
Net Income	479.5	545	497	488.1	524	192.8
Net Income to Common	479.5	545	497	488.1	524	192.8
Net Income Growth	-9.58%	9.66%	1.82%	-6.85%	171.78%	-48.83%
Basic Shares Outstanding	566	566	565	558	534	506
Diluted Shares Outstanding	648	663	662	650	657	608
Shares Change (YoY)	-2.37%	0.14%	1.90%	-1.15%	8.13%	5.39%
EPS (Basic)	0.85	0.96	0.88	0.88	0.98	0.38
EPS (Diluted)	0.79	0.87	0.79	0.78	0.83	0.35
EPS Growth	-6.43%	10.22%	2.03%	-6.12%	135.03%	-49.54%
Dividend Per Share	0.630	0.630	0.610	0.530	0.500	0.355
Dividend Growth	1.61%	3.28%	15.09%	6.00%	40.84%	-49.29%
Effective Tax Rate	31.02%	31.64%	31.43%	30.41%	30.48%	32.61%

Updated Feb 16, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.