FRA:D8Q 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 Income on Loans	637.86	641.68	566.21	289.79	129.76	172.55
Interest Income on Investments	137.07	143.36	113.05	42.84	11.13	8.43
Total Interest Income	774.94	785.03	679.26	332.62	140.88	180.97
Interest Paid on Deposits	292.54	300.89	217.04	66.04	12.85	25.8
Interest Paid on Borrowings	215.04	224.93	229.04	118.57	41.26	62.72
Total Interest Expense	507.58	525.82	446.08	184.61	54.1	88.52
Net Interest Income	267.36	259.21	233.18	148.01	86.78	92.45
Net Interest Income Growth (YoY)	3.69%	11.16%	57.54%	70.56%	-6.13%	-15.58%
Gain (Loss) on Sale of Assets	-0.01	-0.01	-0	-0.01	-0.26	0.27
Other Non-Interest Income	61.83	44.43	32.94	18.66	17.42	6.71
Total Non-Interest Income	61.82	44.41	32.93	18.66	17.17	6.97
Non-Interest Income Growth (YoY)	36.91%	34.86%	76.54%	8.65%	146.22%	-60.43%
Revenues Before Loan Losses	329.18	303.62	266.12	166.67	103.95	99.42
Provision for Loan Losses	20.76	17.3	27.46	19.52	2.33	-1.46
Revenue	308.43	286.33	238.65	147.15	101.62	100.89
Revenue Growth (YoY)	10.24%	19.98%	62.19%	44.80%	0.73%	-20.38%
Salaries and Employee Benefits	43.38	42.58	39.88	30.48	18.94	19.1
Occupancy Expenses	2.81	2.5	2.28	2.15	2.75	3.59
Amortization of Goodwill & Intangibles	1.34	1.06	0.81	0.56	0.74	0.75
Selling, General & Administrative	14.6	13.49	10.97	6.27	4.11	3.4
Other Non-Interest Expense	22.56	19.46	17.61	14.75	12.2	9.38
Total Non-Interest Expense	86.05	80.45	72.5	55.11	39.67	37.29
EBT Excluding Unusual Items	222.37	205.87	166.16	92.04	61.96	63.59
Asset Writedown	-	-	-	-	0.74	-
Pretax Income	222.37	205.87	166.16	92.04	62.7	63.59
Net Income	222.37	205.87	166.16	92.04	62.7	63.59
Net Income to Common	222.37	205.87	166.16	92.04	62.7	63.59
Net Income Growth	10.76%	23.90%	80.53%	46.80%	-1.41%	-26.10%
Basic Shares Outstanding	37	37	36	36	39	40
Diluted Shares Outstanding	37	37	36	36	39	40
Shares Change (YoY)	0.99%	0.71%	0.49%	-6.42%	-2.17%	0.21%
EPS (Basic)	6.00	5.60	4.55	2.54	1.62	1.60
EPS (Diluted)	6.00	5.60	4.55	2.54	1.62	1.60
EPS Growth	9.67%	23.03%	79.65%	56.88%	1.00%	-26.27%
Dividend Per Share	2.500	2.125	1.250	1.000	1.000	1.000
Dividend Growth	25.00%	70.00%	25.00%	-	-	-35.07%

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