BSP Financial Group Limited (ASX:BFL)

BSP Financial Group Income Statement

Financials in millions PGK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	2,132	2,092	1,963	1,835	1,711	1,592
Interest Paid on Deposits	132.25	127.25	118.1	89.94	107.24	144.98
Net Interest Income	1,999	1,964	1,845	1,745	1,603	1,447
Net Interest Income Growth (YoY)	3.80%	6.49%	5.72%	8.85%	10.80%	3.97%
Gain (Loss) on Sale of Investments	-35.82	-35.82	-	-	-	-
Gain (Loss) on Sale of Equity Investments	-	-	-	-	18.55	-26.54
Other Non-Interest Income	1,123	1,015	903.86	857.6	750.37	730.96
Total Non-Interest Income	1,087	978.77	903.86	857.6	768.91	704.42
Non-Interest Income Growth (YoY)	11.56%	8.29%	5.39%	11.54%	9.16%	-9.64%
Revenues Before Loan Losses	3,086	2,943	2,749	2,603	2,372	2,151
Provision for Loan Losses	-35.21	-18.21	182.2	-5.36	-42.66	201.27
Revenue	3,121	2,961	2,566	2,608	2,415	1,950
Revenue Growth (YoY)	15.06%	15.39%	-1.59%	8.00%	23.83%	-5.89%
Salaries and Employee Benefits	-	-	-	-	-	380.49
Occupancy Expenses	-	-	-	-	-	161.38
Selling, General & Administrative	-	-	-	-	-	229.44
Other Non-Interest Expense	1,297	1,136	1,013	1,177	887.93	36.37
Total Non-Interest Expense	1,297	1,136	1,013	1,177	887.93	807.69
EBT Excluding Unusual Items	1,824	1,825	1,553	1,431	1,527	1,142
Asset Writedown	-	-	-	-1.85	-1.04	-0.64
Pretax Income	1,824	1,825	1,553	1,429	1,526	1,142
Income Tax Expense	735.32	787.32	663.18	344.04	450.64	335.62
Net Income	1,089	1,038	890.22	1,085	1,075	806.22
Net Income to Common	1,089	1,038	890.22	1,085	1,075	806.22
Net Income Growth	10.64%	16.57%	-17.93%	0.88%	33.37%	-9.45%
Basic Shares Outstanding	467	467	467	467	467	467
Diluted Shares Outstanding	467	467	467	467	467	467
Shares Change (YoY)	0.02%	-	-0.00%	-0.00%	-0.00%	-0.00%
EPS (Basic)	2.33	2.22	1.91	2.32	2.30	1.73
EPS (Diluted)	2.33	2.22	1.91	2.32	2.30	1.73
EPS Growth	10.61%	16.57%	-17.93%	0.89%	33.37%	-9.45%
Dividend Per Share	1.210	1.660	1.430	1.740	1.730	1.050
Dividend Growth	-19.87%	16.08%	-17.82%	0.58%	64.76%	-22.22%
Effective Tax Rate	40.31%	43.14%	42.69%	24.08%	29.53%	29.39%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.