FRA:41I Income Statement

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

Millions USD. 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	107.35	157.72	198.61	170.17	133.63	121.05
Total Interest Expense	71.36	105.99	109.65	65.99	50.08	51.95
Net Interest Income	35.99	51.73	88.96	104.18	83.55	69.1
Other Revenue	23.14	17.92	3.97	2.67	18.52	13.59
Revenue Before Loan Losses	59.13	69.65	92.93	106.85	102.07	82.7
Provision for Loan Losses	-28.65	-18.15	91.83	46.06	0.01	20.19
Revenue	87.78	87.8	1.1	60.79	102.06	62.51
Revenue Growth (YoY)	122.65%	7874.75%	-98.19%	-40.44%	63.27%	-19.09%
Salaries & Employee Benefits	4.13	4.74	3.99	2.88	1.94	1.34
Cost of Services Provided	19.24	20.23	22	25.54	20.39	16.85
Other Operating Expenses	19.2	12.96	2.52	4.31	18.55	18.13
Total Operating Expenses	42.57	37.93	28.51	32.73	40.88	36.31
Operating Income	45.2	49.87	-27.41	28.06	61.18	26.2
EBT Excluding Unusual Items	45.2	49.87	-27.41	28.06	61.18	26.2
Pretax Income	-7.44	-35.01	-38.91	30.26	61.18	22.19
Income Tax Expense	0.26	-0.02	-0.04	0.47	0.72	0.35
Earnings From Continuing Ops.	-7.7	-34.99	-38.87	29.79	60.46	21.84
Net Income to Company	-7.7	-34.99	-38.87	29.79	60.46	21.84
Net Income	-7.7	-34.99	-38.87	29.79	60.46	21.84
Net Income to Common	-7.7	-34.99	-38.87	29.79	60.46	21.84
Net Income Growth	-	-	-	-50.74%	176.83%	-40.96%
Shares Outstanding (Basic)	55	54	54	52	42	33
Shares Outstanding (Diluted)	55	54	54	52	43	33
Shares Change (YoY)	0.78%	0.30%	4.14%	22.13%	28.57%	15.08%
EPS (Basic)	-0.14	-0.64	-0.72	0.58	1.43	0.66
EPS (Diluted)	-0.14	-0.64	-0.72	0.57	1.42	0.66
EPS Growth	-	-	-	-59.86%	115.15%	-48.44%
Dividend Per Share	0.700	1.000	1.320	1.320	1.320	1.320
Dividend Growth	-35.19%	-24.24%	-	-	-	-
Operating Margin	51.50%	56.80%	-2489.74%	46.16%	59.95%	41.91%
Profit Margin	-8.77%	-39.85%	-3530.15%	49.00%	59.24%	34.94%
Effective Tax Rate	-	-	-	1.56%	1.18%	1.59%

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