FRA:D8Q Income Statement

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

Millions USD. 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	768.46	641.68	566.21	289.79	129.76
Interest Income on Investments	-	143.36	113.05	42.84	11.13
Total Interest Income	768.46	785.03	679.26	332.62	140.88
Interest Paid on Deposits	497.28	300.89	217.04	66.04	12.85
Interest Paid on Borrowings	-	224.93	229.04	118.57	41.26
Total Interest Expense	497.28	525.82	446.08	184.61	54.1
Net Interest Income	271.18	259.21	233.18	148.01	86.78
Net Interest Income Growth (YoY)	4.62%	11.16%	57.54%	70.56%	-6.13%
Gain (Loss) on Sale of Assets	-	-0.01	-0	-0.01	-0.26
Other Non-Interest Income	68.39	44.43	32.94	18.66	17.42
Total Non-Interest Income	68.39	44.41	32.93	18.66	17.17
Non-Interest Income Growth (YoY)	53.98%	34.86%	76.54%	8.65%	146.22%
Revenues Before Loan Losses	339.57	303.62	266.12	166.67	103.95
Provision for Loan Losses	22.12	17.3	27.46	19.52	2.33
Revenue	317.45	286.33	238.65	147.15	101.62
Revenue Growth (YoY)	10.87%	19.98%	62.19%	44.80%	0.73%
Salaries and Employee Benefits	55.42	42.58	39.88	30.48	18.94
Occupancy Expenses	-	2.5	2.28	2.15	2.75
Amortization of Goodwill & Intangibles	1.98	1.06	0.81	0.56	0.74
Selling, General & Administrative	2.85	13.49	10.97	6.27	4.11
Other Non-Interest Expense	30.32	19.46	17.61	14.75	12.2
Total Non-Interest Expense	90.57	80.45	72.5	55.11	39.67
EBT Excluding Unusual Items	226.88	205.87	166.16	92.04	61.96
Asset Writedown	-	-	-	-	0.74
Pretax Income	226.88	205.87	166.16	92.04	62.7
Net Income	226.88	205.87	166.16	92.04	62.7
Net Income to Common	226.88	205.87	166.16	92.04	62.7
Net Income Growth	10.21%	23.90%	80.53%	46.80%	-1.41%
Basic Shares Outstanding	37	37	36	36	39
Diluted Shares Outstanding	37	37	36	36	39
Shares Change (YoY)	1.12%	0.71%	0.49%	-6.42%	-2.17%
EPS (Basic)	6.11	5.60	4.55	2.54	1.62
EPS (Diluted)	6.11	5.60	4.55	2.54	1.62
EPS Growth	8.98%	23.03%	79.65%	56.88%	1.00%
Dividend Per Share	2.563	2.125	1.250	1.000	1.000
Dividend Growth	20.59%	70.00%	25.00%	-	-

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