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	Dec '25 Dec 31, 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	2,607	2,540	2,237	1,888	1,728	1,526
Total Interest Expense	395.21	414.26	356.1	282.78	219.62	256.83
Net Interest Income	2,212	2,126	1,881	1,605	1,508	1,269
Commissions and Fees	224.41	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	2,436	2,391	2,180	1,916	1,882	1,683
Provision for Loan Losses	416.38	443.24	480.79	396.11	283.21	294.99
Revenue	2,020	1,947	1,699	1,519	1,599	1,388
Revenue Growth (YoY)	11.42%	14.62%	11.81%	-4.98%	15.24%	-21.69%
Salaries & Employee Benefits	723	679.16	644.25	710.92	690.36	670.51
Cost of Services Provided	152.53	125.88	105.09	53.73	47.94	39.39
Other Operating Expenses	328.9	268.28	273.25	223.88	152.37	204.29
Total Operating Expenses	1,292	1,164	1,129	1,093	1,008	1,033
Operating Income	727.71	783.66	569.72	426.49	590.95	355.06
Currency Exchange Gain (Loss)	-3.78	-6.8	1.38	-0.44	-4.65	-12.85
EBT Excluding Unusual Items	723.92	776.85	571.1	426.05	586.29	342.21
Pretax Income	724.84	776.85	571.1	416.98	560.83	341.31
Income Tax Expense	253.53	272.9	230.92	115.93	131.84	75.62
Net Income	471.31	503.95	340.18	301.05	428.99	265.69
Net Income to Common	471.31	503.95	340.18	301.05	428.99	265.69
Net Income Growth	28.08%	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)	0.82%	-	-	-	-	-
EPS (Basic)	1.71	1.84	1.24	1.10	1.56	0.97
EPS (Diluted)	1.71	1.84	1.24	1.10	1.56	0.97
EPS Growth	27.04%	48.14%	13.00%	-29.82%	61.46%	-19.43%
Free Cash Flow	665.01	175.97	-477.31	-5.23	234.52	60.64
Free Cash Flow Per Share	2.42	0.64	-1.74	-0.02	0.85	0.22
Dividend Per Share	0.300	0.360	0.360	0.420	0.650	0.430
Dividend Growth	-16.67%	-	-14.29%	-35.38%	51.16%	-12.25%
Operating Margin	36.03%	40.24%	33.54%	28.07%	36.96%	25.59%
Profit Margin	23.34%	25.88%	20.02%	19.81%	26.83%	19.15%
Free Cash Flow Margin	32.92%	9.04%	-28.10%	-0.34%	14.67%	4.37%
Effective Tax Rate	34.98%	35.13%	40.43%	27.80%	23.51%	22.16%

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