Access Financial Services Income Statement

Financials in millions JMD. Fiscal year is April - March.

Millions JMD. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	2,617	2,540	2,237	1,888	1,728	1,526
Total Interest Expense	423.73	414.26	356.1	282.78	219.62	256.83
Net Interest Income	2,193	2,126	1,881	1,605	1,508	1,269
Commissions and Fees	238.59	264.37	297.76	309.04	372.75	412.55
Other Revenue	0.03	0.03	1.19	1.35	1.2	0.94
Revenue Before Loan Losses	2,431	2,391	2,180	1,916	1,882	1,683
Provision for Loan Losses	392.73	443.24	480.79	396.11	283.21	294.99
Revenue	2,039	1,947	1,699	1,519	1,599	1,388
Revenue Growth (YoY)	13.10%	14.62%	11.81%	-4.98%	15.24%	-21.69%
Salaries & Employee Benefits	699.19	679.16	644.25	710.92	690.36	670.51
Cost of Services Provided	152.34	125.88	105.09	53.73	47.94	39.39
Other Operating Expenses	303.79	268.28	273.25	223.88	152.37	204.29
Total Operating Expenses	1,243	1,164	1,129	1,093	1,008	1,033
Operating Income	795.28	783.66	569.72	426.49	590.95	355.06
Currency Exchange Gain (Loss)	-5.02	-6.8	1.38	-0.44	-4.65	-12.85
EBT Excluding Unusual Items	790.26	776.85	571.1	426.05	586.29	342.21
Pretax Income	817.94	776.85	571.1	416.98	560.83	341.31
Income Tax Expense	277.64	272.9	230.92	115.93	131.84	75.62
Net Income	540.3	503.95	340.18	301.05	428.99	265.69
Net Income to Common	540.3	503.95	340.18	301.05	428.99	265.69
Net Income Growth	77.89%	48.14%	13.00%	-29.82%	61.46%	-19.43%
Shares Outstanding (Basic)	275	275	275	275	275	275
Shares Outstanding (Diluted)	275	275	275	275	275	275
Shares Change (YoY)	0.19%	-	-	-	-	-
EPS (Basic)	1.97	1.84	1.24	1.10	1.56	0.97
EPS (Diluted)	1.97	1.84	1.24	1.10	1.56	0.97
EPS Growth	77.56%	48.14%	13.00%	-29.82%	61.46%	-19.43%
Free Cash Flow	453.59	175.97	-477.31	-5.23	234.52	60.64
Free Cash Flow Per Share	1.65	0.64	-1.74	-0.02	0.85	0.22
Dividend Per Share	0.320	0.360	0.360	0.420	0.650	0.430
Dividend Growth	-11.11%	-	-14.29%	-35.38%	51.16%	-12.25%
Operating Margin	39.01%	40.24%	33.54%	28.07%	36.96%	25.59%
Profit Margin	26.50%	25.88%	20.02%	19.81%	26.83%	19.15%
Free Cash Flow Margin	22.25%	9.04%	-28.10%	-0.34%	14.67%	4.37%
Effective Tax Rate	33.94%	35.13%	40.43%	27.80%	23.51%	22.16%

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