FRA:JY4 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	149.62	153.9	127.49	69.99	47.9
Interest Income on Investments	4.49	6.11	5	2.01	0.51
Total Interest Income	154.12	160.01	132.49	72	48.4
Interest Paid on Deposits	49.72	55.62	34.18	7.54	4.36
Interest Paid on Borrowings	3.66	1.6	1.12	0.58	0.74
Total Interest Expense	53.38	57.22	35.3	8.13	5.1
Net Interest Income	100.74	102.79	97.19	63.88	43.3
Net Interest Income Growth (YoY)	-2.00%	5.76%	52.16%	47.51%	11.03%
Gain (Loss) on Sale of Assets	-0.01	0.02	-0.16	0.1	0.01
Gain (Loss) on Sale of Investments	0.58	-0.11	0.29	-1.57	-0.39
Other Non-Interest Income	3.52	2.87	3.47	3.16	2.74
Total Non-Interest Income	4.09	2.78	3.61	1.68	2.35
Non-Interest Income Growth (YoY)	47.11%	-22.80%	114.20%	-28.51%	-6.33%
Revenues Before Loan Losses	104.83	105.58	100.8	65.56	45.66
Provision for Loan Losses	-0.1	0.74	0.97	0.44	3.61
Revenue	104.93	104.84	99.82	65.12	42.05
Revenue Growth (YoY)	0.09%	5.02%	53.30%	54.87%	3.31%
Salaries and Employee Benefits	23.18	20.94	15.79	14.27	14.07
Selling, General & Administrative	7.36	6.74	9.43	7	5.83
Other Non-Interest Expense	11.28	10.65	9.77	8.35	6.49
Total Non-Interest Expense	42.67	39.06	35.08	30.24	26.47
EBT Excluding Unusual Items	62.26	65.77	64.74	34.88	15.57
Pretax Income	62.26	65.77	64.74	34.43	15.57
Income Tax Expense	17.85	18.7	18.47	9.59	3.67
Net Income	44.41	47.07	46.28	24.84	11.91
Net Income to Common	44.41	47.07	46.28	24.84	11.91
Net Income Growth	-5.65%	1.72%	86.27%	108.68%	-3.44%
Basic Shares Outstanding	13	13	14	15	16
Diluted Shares Outstanding	14	13	14	16	16
Shares Change (YoY)	2.25%	-4.14%	-11.38%	-0.81%	-1.83%
EPS (Basic)	3.35	3.58	3.32	1.61	0.75
EPS (Diluted)	3.25	3.52	3.32	1.58	0.75
EPS Growth	-7.67%	6.02%	110.13%	110.41%	-1.20%
Dividend Per Share	0.800	0.500	0.240	0.240	0.210
Dividend Growth	60.00%	108.33%	-	14.29%	134.38%
Effective Tax Rate	28.66%	28.43%	28.52%	27.84%	23.56%

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