JMMB Group 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	43,837	41,334	40,844	36,258	27,499	22,240
Total Interest Expense	31,669	31,369	31,423	24,886	15,557	11,659
Net Interest Income	12,168	9,965	9,421	11,372	11,942	10,581
Brokerage Commission	3,232	2,826	2,977	3,020	2,536	1,725
Trading & Principal Transactions	6,853	5,786	5,852	3,512	7,324	6,786
Asset Management Fee	2,436	2,436	2,390	2,076	2,032	1,490
Gain on Sale of Investments (Rev)	274.73	274.73	-214.86	-400.36	58.48	47.09
Other Revenue	4.44	4.44	162.28	112.09	26	57.31
Revenue Before Loan Losses	24,968	21,293	20,587	19,691	23,918	20,686
Provision for Loan Losses	2,445	2,324	11,057	1,586	1,428	1,571
Revenue	22,523	18,968	9,530	18,105	22,490	19,116
Revenue Growth (YoY)	146.16%	99.04%	-47.36%	-19.50%	17.65%	8.72%
Salaries & Employee Benefits	11,431	11,431	11,667	10,467	10,341	8,005
Cost of Services Provided	1,538	645.33	466.33	468.86	463.63	373.89
Other Operating Expenses	11,744	11,744	10,666	8,977	7,709	6,148
Total Operating Expenses	24,714	23,821	22,799	19,913	18,513	14,527
Operating Income	-2,191	-4,853	-13,270	-1,807	3,977	4,588
Currency Exchange Gains	2,028	1,824	1,703	3,250	2,587	1,932
Other Non-Operating Income (Expenses)	131.83	107.39	-431.33	-14.83	-18.74	-4.15
EBT Excluding Unusual Items	4,771	-246.75	8,289	-1,486	11,624	8,401
Impairment of Goodwill	-21.95	-21.95	-	-11.1	-	-
Asset Writedown	352.97	352.97	163.66	492.87	74.8	-
Gain (Loss) on Sale of Investments	256.92	256.92	-1,132	38.93	-486.25	-432.17
Pretax Income	5,533	1,793	7,320	-957.33	11,218	7,961
Income Tax Expense	-886.46	-1,946	-4,531	-1,647	-379.95	242.2
Earnings From Continuing Ops.	6,420	3,739	11,852	689.56	11,597	7,718
Minority Interest in Earnings	-276.65	-225.96	-313.86	-108.17	-574.62	-212.6
Net Income	6,143	3,513	11,538	581.39	11,023	7,506
Net Income to Common	6,143	3,513	11,538	581.39	11,023	7,506
Net Income Growth	-40.41%	-69.55%	1884.50%	-94.73%	46.86%	7.33%
Shares Outstanding (Basic)	1,952	1,952	1,949	1,956	1,956	1,956
Shares Outstanding (Diluted)	1,952	1,952	1,949	1,956	1,956	1,956
Shares Change (YoY)	0.15%	0.15%	-0.34%	-	-	11.77%
EPS (Basic)	3.15	1.80	5.92	0.30	5.64	3.84
EPS (Diluted)	3.15	1.80	5.92	0.30	5.64	3.84
EPS Growth	-40.50%	-69.59%	1891.23%	-94.73%	46.86%	-3.98%
Free Cash Flow	17,805	-1,183	-15,595	692.46	70,146	68,926
Free Cash Flow Per Share	9.12	-0.61	-8.00	0.35	35.87	35.25
Dividend Per Share	0.400	0.300	0.500	0.250	-	0.850
Dividend Growth	60.00%	-40.00%	100.00%	-	-	304.76%
Operating Margin	-9.73%	-25.58%	-139.24%	-9.98%	17.68%	24.00%
Profit Margin	27.27%	18.52%	121.07%	3.21%	49.01%	39.27%
Free Cash Flow Margin	79.05%	-6.24%	-163.64%	3.82%	311.89%	360.57%
Effective Tax Rate	-	-	-	-	-	3.04%

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