BMV:FINDEP Income Statement

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

Millions MXN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	5,058	4,927	4,814	4,748	4,233	4,827
Total Interest Expense	604.6	602.84	623.27	577.15	526.78	729.92
Net Interest Income	4,453	4,324	4,190	4,171	3,706	4,097
Commissions and Fees	523.47	562.86	571.1	603.88	434.59	296.47
Other Revenue	11.51	96.67	65.86	119.96	112.36	464.94
Revenue Before Loan Losses	4,988	4,983	4,827	4,895	4,253	4,859
Provision for Loan Losses	1,490	1,377	1,410	1,383	849.74	1,716
Revenue	3,498	3,607	3,418	3,512	3,403	3,143
Revenue Growth (YoY)	-0.42%	5.53%	-2.69%	3.20%	8.29%	-15.78%
Cost of Services Provided	2,668	2,633	2,569	2,668	2,772	3,126
Other Operating Expenses	-49.48	-49.48	-78.85	-29.56	-43.83	-51.91
Total Operating Expenses	2,618	2,584	2,490	2,638	2,728	3,074
Operating Income	879.93	1,023	927.79	873.76	675.18	68.63
Earnings From Equity Investments	-	-	-	-	-	37.25
Currency Exchange Gain (Loss)	79.54	79.54	79.15	26.79	-16.48	-5.15
EBT Excluding Unusual Items	959.47	1,102	1,007	900.55	658.71	100.73
Pretax Income	960.18	1,103	1,008	900.87	658.71	100.73
Income Tax Expense	263.49	298.44	297.65	272.65	178.43	54.98
Earnings From Continuing Ops.	696.7	804.42	709.99	628.22	480.27	45.75
Earnings From Discontinued Ops.	-	-	-	-3.18	-133.37	-458.41
Net Income to Company	696.7	804.42	709.99	625.04	346.9	-412.66
Net Income	696.7	804.42	709.99	625.04	346.9	-412.66
Net Income to Common	696.7	804.42	709.99	625.04	346.9	-412.66
Net Income Growth	-11.27%	13.30%	13.59%	80.18%	-	-
Shares Outstanding (Basic)	313	294	305	306	310	250
Shares Outstanding (Diluted)	313	294	305	306	310	250
Shares Change (YoY)	-	-3.31%	-0.61%	-1.06%	24.08%	-14.33%
EPS (Basic)	2.23	2.73	2.33	2.04	1.12	-1.65
EPS (Diluted)	2.23	2.73	2.33	2.04	1.12	-1.65
EPS Growth	-11.27%	17.18%	14.29%	82.11%	-	-
Free Cash Flow	2,192	587.75	159.76	807.06	-340.47	427.1
Free Cash Flow Per Share	7.01	2.00	0.53	2.63	-1.10	1.71
Dividend Per Share	3.710	3.710	-	-	-	-
Operating Margin	25.15%	28.35%	27.15%	24.88%	19.84%	2.18%
Profit Margin	19.92%	22.30%	20.77%	17.80%	10.19%	-13.13%
Free Cash Flow Margin	62.65%	16.30%	4.67%	22.98%	-10.01%	13.59%
Effective Tax Rate	27.44%	27.06%	29.54%	30.26%	27.09%	54.58%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.