NCB Financial Group Income Statement

Financials in millions JMD. Fiscal year is October - September.

Millions JMD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Interest Income on Loans	124,892	119,968	97,729	84,924	74,575
Interest Income on Investments	3,085	2,830	2,896	2,498	2,316
Total Interest Income	127,978	122,798	100,626	87,422	76,891
Interest Paid on Deposits	46,626	47,046	38,592	25,725	25,948
Net Interest Income	81,352	75,752	62,034	61,697	50,943
Net Interest Income Growth (YoY)	7.39%	22.11%	0.55%	21.11%	-6.34%
Gain (Loss) on Sale of Assets	15,611	215.76	1,330	2,510	248.17
Other Non-Interest Income	57,625	52,745	56,162	83,825	73,300
Total Non-Interest Income	73,236	52,960	57,492	86,335	73,548
Non-Interest Income Growth (YoY)	38.28%	-7.88%	-33.41%	17.39%	13.64%
Revenues Before Loan Losses	154,588	128,713	119,526	148,032	124,490
Provision for Loan Losses	10,297	8,702	4,159	2,724	3,385
Revenue	144,290	120,011	115,367	145,308	121,105
Revenue Growth (YoY)	20.23%	4.03%	-20.61%	19.98%	11.28%
Salaries and Employee Benefits	50,792	47,696	57,038	46,656	42,072
Occupancy Expenses	8,155	8,392	7,192	8,893	9,310
Selling, General & Administrative	-	-	-	10,774	8,500
Other Non-Interest Expense	40,437	38,597	40,194	39,368	34,967
Total Non-Interest Expense	98,784	94,202	104,205	104,959	94,510
EBT Excluding Unusual Items	45,506	25,809	11,162	40,350	26,596
Pretax Income	45,506	25,809	11,162	40,350	26,596
Income Tax Expense	8,592	4,240	3,448	5,217	6,520
Earnings From Continuing Operations	36,914	21,570	7,714	35,132	20,076
Minority Interest in Earnings	-13,783	-8,229	-5,206	-11,243	-5,849
Net Income	23,132	13,340	2,507	23,889	14,227
Net Income to Common	23,132	13,340	2,507	23,889	14,227
Net Income Growth	73.40%	432.08%	-89.50%	67.92%	-25.48%
Basic Shares Outstanding	2,412	2,373	2,361	2,298	2,276
Diluted Shares Outstanding	2,412	2,373	2,361	2,298	2,276
Shares Change (YoY)	1.62%	0.52%	2.74%	0.97%	-4.53%
EPS (Basic)	9.59	5.62	1.06	10.39	6.25
EPS (Diluted)	9.59	5.62	1.06	10.39	6.25
EPS Growth	70.64%	429.32%	-89.78%	66.30%	-21.94%
Dividend Per Share	1.500	2.000	0.500	-	0.500
Dividend Growth	-25.00%	300.00%	-	-	-50.00%
Effective Tax Rate	18.88%	16.43%	30.89%	12.93%	24.52%

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