BSP Financial Group Income Statement

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

Millions PGK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,269	2,092	1,963	1,835	1,711
Interest Paid on Deposits	126	127	118.1	89.94	107.24
Net Interest Income	2,143	1,965	1,845	1,745	1,603
Net Interest Income Growth (YoY)	9.06%	6.51%	5.72%	8.85%	10.80%
Gain (Loss) on Sale of Investments	-	-36	-	-	-
Gain (Loss) on Sale of Equity Investments	-	-	-	-	18.55
Other Non-Interest Income	1,264	1,014	903.86	857.6	750.37
Total Non-Interest Income	1,264	978	903.86	857.6	768.91
Non-Interest Income Growth (YoY)	29.24%	8.20%	5.39%	11.54%	9.16%
Revenues Before Loan Losses	3,407	2,943	2,749	2,603	2,372
Provision for Loan Losses	115	-18	182.2	-5.36	-42.66
Revenue	3,292	2,961	2,566	2,608	2,415
Revenue Growth (YoY)	11.18%	15.37%	-1.59%	8.00%	23.83%
Other Non-Interest Expense	1,462	1,136	1,013	1,177	887.93
Total Non-Interest Expense	1,462	1,136	1,013	1,177	887.93
EBT Excluding Unusual Items	1,830	1,825	1,553	1,431	1,527
Asset Writedown	-	-	-	-1.85	-1.04
Pretax Income	1,830	1,825	1,553	1,429	1,526
Income Tax Expense	658	787	663.18	344.04	450.64
Net Income	1,172	1,038	890.22	1,085	1,075
Net Income to Common	1,172	1,038	890.22	1,085	1,075
Net Income Growth	12.91%	16.60%	-17.93%	0.88%	33.37%
Basic Shares Outstanding	467	467	467	467	467
Diluted Shares Outstanding	467	467	467	467	467
Shares Change (YoY)	-	-0.05%	-0.00%	-0.00%	-0.00%
EPS (Basic)	2.51	2.22	1.91	2.32	2.30
EPS (Diluted)	2.51	2.22	1.91	2.32	2.30
EPS Growth	12.91%	16.66%	-17.93%	0.89%	33.37%
Dividend Per Share	1.880	1.660	1.430	1.740	1.730
Dividend Growth	13.25%	16.08%	-17.82%	0.58%	64.76%
Effective Tax Rate	35.96%	43.12%	42.69%	24.08%	29.53%