Scotia Group Jamaica Limited (JMSE:SGJ)

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021	Oct 31, 2020
Interest Income on Loans	40,843	38,081	32,597	24,847	20,653	23,248
Interest Income on Investments	10,263	10,263	8,240	6,357	3,915	3,981
Total Interest Income	51,107	48,345	40,837	31,204	24,568	27,229
Interest Paid on Deposits	2,036	2,040	1,380	579.79	1,856	2,371
Net Interest Income	49,071	46,304	39,457	30,624	22,711	24,858
Net Interest Income Growth (YoY)	9.61%	17.35%	28.84%	34.84%	-8.63%	-1.04%
Gain (Loss) on Sale of Assets	216.48	216.48	159.95	290.1	6.51	3.08
Gain (Loss) on Sale of Investments	523.63	417.03	312.51	-142.19	604.43	940.87
Other Non-Interest Income	17,753	16,338	15,535	11,731	16,341	17,064
Total Non-Interest Income	18,494	16,972	16,007	11,879	16,952	18,008
Non-Interest Income Growth (YoY)	16.78%	6.02%	34.75%	-29.92%	-5.86%	-10.22%
Revenues Before Loan Losses	67,565	63,276	55,464	42,503	39,663	42,865
Provision for Loan Losses	3,466	4,157	2,396	3,057	2,809	5,845
Revenue	64,098	59,119	53,068	39,446	36,854	37,020
Revenue Growth (YoY)	12.51%	11.40%	34.53%	7.03%	-0.45%	-13.06%
Salaries and Employee Benefits	13,557	11,773	11,080	9,806	9,438	10,587
Occupancy Expenses	3,185	2,791	2,459	2,475	2,332	2,411
Amortization of Goodwill & Intangibles	21.54	20.95	24.87	119.65	97.67	117.56
Selling, General & Administrative	720.55	720.55	768.89	503.58	357.11	547.23
Other Non-Interest Expense	15,545	14,110	13,295	11,805	12,914	11,137
Total Non-Interest Expense	33,029	29,415	27,628	24,709	25,139	24,800
EBT Excluding Unusual Items	31,069	29,704	25,440	14,737	11,715	12,220
Other Unusual Items	-	-	-	629.03	953.78	1,177
Pretax Income	31,069	29,704	25,440	15,366	12,669	13,397
Income Tax Expense	10,148	9,546	8,212	5,046	4,030	4,345
Earnings From Continuing Operations	20,922	20,158	17,229	10,320	8,639	9,052
Net Income	20,922	20,158	17,229	10,320	8,639	9,052
Net Income to Common	20,922	20,158	17,229	10,320	8,639	9,052
Net Income Growth	12.09%	17.00%	66.95%	19.46%	-4.57%	-31.37%
Basic Shares Outstanding	3,114	3,112	3,112	3,112	3,112	3,112
Diluted Shares Outstanding	3,114	3,112	3,112	3,112	3,112	3,112
EPS (Basic)	6.72	6.48	5.54	3.32	2.78	2.91
EPS (Diluted)	6.72	6.48	5.54	3.32	2.78	2.91
EPS Growth	12.03%	17.00%	66.95%	19.46%	-4.57%	-31.37%
Dividend Per Share	1.700	1.700	1.400	1.400	1.450	1.550
Dividend Growth	325.00%	21.43%	-	-3.45%	-6.45%	-25.48%
Effective Tax Rate	32.66%	32.14%	32.28%	32.84%	31.81%	32.43%

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