FDH Bank Income Statement

Financials in millions MWK. Fiscal year is January - December.

Millions MWK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	310,883	181,629	73,424	51,105	36,658
Interest Paid on Deposits	54,332	40,286	13,575	13,801	11,228
Net Interest Income	256,551	141,343	59,849	37,304	25,430
Net Interest Income Growth (YoY)	81.51%	136.16%	60.44%	46.69%	67.41%
Other Non-Interest Income	76,850	53,856	43,156	32,553	18,659
Total Non-Interest Income	76,850	53,856	43,156	32,553	18,659
Non-Interest Income Growth (YoY)	42.70%	24.79%	32.57%	74.46%	-34.25%
Revenues Before Loan Losses	333,402	195,199	103,005	69,857	44,090
Provision for Loan Losses	6,617	7,863	1,389	5,571	307.26
Revenue	326,785	187,336	101,616	64,286	43,783
Revenue Growth (YoY)	74.44%	84.36%	58.07%	46.83%	1.27%
Salaries and Employee Benefits	-	32,801	21,547	-	11,885
Occupancy Expenses	-	3,421	2,935	-	3,176
Selling, General & Administrative	-	29,207	21,679	-	12,247
Other Non-Interest Expense	79,340	-	-	32,535	-
Total Non-Interest Expense	79,340	65,429	46,160	32,535	27,308
EBT Excluding Unusual Items	247,445	121,907	55,456	31,751	16,474
Pretax Income	247,445	121,907	55,456	31,751	16,474
Income Tax Expense	99,649	47,844	19,809	8,819	4,816
Earnings From Continuing Operations	147,796	74,063	35,647	22,932	11,659
Minority Interest in Earnings	2.48	-	-	-	-
Net Income	147,798	74,063	35,647	22,932	11,659
Net Income to Common	147,798	74,063	35,647	22,932	11,659
Net Income Growth	99.56%	107.77%	55.45%	96.69%	-16.66%
Basic Shares Outstanding	-	6,901	6,901	6,901	6,901
Diluted Shares Outstanding	-	6,901	6,901	6,901	6,901
EPS (Basic)	-	10.73	5.17	3.32	1.69
EPS (Diluted)	-	10.73	5.17	3.32	1.69
EPS Growth	-	107.77%	55.45%	96.69%	-16.66%
Dividend Per Share	-	4.730	3.280	2.190	-
Dividend Growth	-	44.21%	49.77%	-	-
Effective Tax Rate	40.27%	39.25%	35.72%	27.78%	29.23%