EQB Inc. Income Statement

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,740	2,965	2,725	1,558	1,083
Interest Income on Investments	184.35	197.92	162.58	58.23	23.98
Total Interest Income	2,924	3,163	2,888	1,616	1,107
Interest Paid on Deposits	1,320	1,490	1,293	579	307.68
Interest Paid on Borrowings	510.52	599.37	588.74	303.83	217.03
Total Interest Expense	1,831	2,089	1,882	882.83	524.71
Net Interest Income	1,094	1,073	1,006	733.41	582.61
Net Interest Income Growth (YoY)	1.91%	6.68%	37.16%	25.88%	17.13%
Other Non-Interest Income	79.24	81.09	56.27	31.08	22.16
Total Non-Interest Income	168.11	182.28	164.86	48.78	60.3
Non-Interest Income Growth (YoY)	-7.77%	10.57%	237.96%	-19.10%	1.47%
Revenues Before Loan Losses	1,262	1,255	1,171	782.19	642.91
Provision for Loan Losses	137.43	107.01	46.63	37.26	-7.67
Revenue	1,124	1,148	1,124	744.93	650.58
Revenue Growth (YoY)	-2.10%	2.16%	50.91%	14.50%	26.44%
Salaries and Employee Benefits	280.59	254.34	226.34	173.36	122.19
Selling, General & Administrative	205.36	168.34	26.51	25.38	22.46
Other Non-Interest Expense	244.24	171.42	268.84	177.73	115.53
Total Non-Interest Expense	730.18	594.1	521.69	376.47	260.18
EBT Excluding Unusual Items	394.19	554.33	602.48	368.46	390.41
Pretax Income	371.5	554.33	602.48	368.46	390.41
Income Tax Expense	104.89	152.66	156.57	98.28	97.88
Earnings From Continuing Operations	266.61	401.67	445.91	270.18	292.53
Minority Interest in Earnings	-1.31	-1.11	-	-	-
Net Income	265.3	400.56	445.91	270.18	292.53
Preferred Dividends & Other Adjustments	8.82	10.73	8.4	5.57	4.41
Net Income to Common	256.48	389.84	437.51	264.62	288.12
Net Income Growth	-33.77%	-10.17%	65.04%	-7.64%	30.71%
Basic Shares Outstanding	38	38	38	35	34
Diluted Shares Outstanding	39	39	38	35	34
Shares Change (YoY)	0.02%	1.41%	8.51%	1.70%	1.65%
EPS (Basic)	6.70	10.19	11.60	7.63	8.49
EPS (Diluted)	6.65	10.11	11.51	7.55	8.36
EPS Growth	-34.22%	-12.15%	52.42%	-9.69%	29.21%
Dividend Per Share	2.080	1.740	1.320	1.210	0.740
Dividend Growth	19.54%	31.82%	9.09%	63.51%	-
Effective Tax Rate	28.23%	27.54%	25.99%	26.67%	25.07%

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