Bendigo and Adelaide Bank Income Statement

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

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest Income on Loans	4,798	4,989	4,739	3,407	1,745	1,868
Total Interest Income	4,798	4,989	4,739	3,407	1,745	1,868
Interest Paid on Deposits	3,109	3,341	3,103	1,766	332.5	445.3
Net Interest Income	1,688	1,648	1,636	1,641	1,413	1,423
Net Interest Income Growth (YoY)	1.89%	0.72%	-0.29%	16.14%	-0.68%	6.65%
Other Non-Interest Income	220.8	252.6	234.8	235.2	244.3	245.2
Total Non-Interest Income	220.8	252.6	234.8	235.2	244.3	245.2
Non-Interest Income Growth (YoY)	-11.33%	7.58%	-0.17%	-3.72%	-0.37%	-7.33%
Revenues Before Loan Losses	1,909	1,901	1,871	1,876	1,657	1,668
Provision for Loan Losses	-6.6	-14.7	9.9	33.6	-27.2	18
Revenue	1,916	1,915	1,861	1,842	1,684	1,650
Revenue Growth (YoY)	-0.09%	2.91%	1.01%	9.39%	2.10%	15.37%
Salaries and Employee Benefits	774.6	769.6	662	649.7	599.6	586.8
Occupancy Expenses	150.6	142.1	132.4	124	120.3	122.1
Selling, General & Administrative	53.8	55.3	53.4	41.1	33.7	37.1
Other Non-Interest Expense	359.9	334.6	370.6	294.9	267.8	287.7
Total Non-Interest Expense	1,339	1,302	1,218	1,110	1,021	1,034
EBT Excluding Unusual Items	576.7	613.6	642.6	732.7	662.9	616
Asset Writedown	102.8	39.2	162.4	-7.9	38.5	137.7
Pretax Income	132.9	105.3	797.2	724.8	701.4	753.7
Income Tax Expense	216.2	202.4	252.2	227.8	213.3	229.7
Net Income	-83.3	-97.1	545	497	488.1	524
Net Income to Common	-83.3	-97.1	545	497	488.1	524
Net Income Growth	-	-	9.66%	1.82%	-6.85%	171.78%
Basic Shares Outstanding	566	566	566	565	558	534
Diluted Shares Outstanding	566	566	663	662	650	657
Shares Change (YoY)	-12.76%	-14.67%	0.14%	1.90%	-1.15%	8.13%
EPS (Basic)	-0.15	-0.17	0.96	0.88	0.88	0.98
EPS (Diluted)	-0.15	-0.17	0.87	0.79	0.78	0.83
EPS Growth	-	-	10.22%	2.03%	-6.12%	135.03%
Dividend Per Share	0.630	0.630	0.630	0.610	0.530	0.500
Dividend Growth	-	-	3.28%	15.09%	6.00%	40.84%
Effective Tax Rate	162.68%	192.21%	31.64%	31.43%	30.41%	30.48%

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