NBS Bank Income Statement

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

Millions MWK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest Income on Loans	239,794	111,896	77,227	49,512	9,274	Upgrade
Interest Income on Investments	-	-	-	-	27,297	Upgrade
Total Interest Income	239,794	111,896	77,227	49,512	36,571	Upgrade
Interest Paid on Deposits	79,481	44,202	25,804	18,718	9,987	Upgrade
Net Interest Income	160,313	67,694	51,424	30,794	26,584	Upgrade
Net Interest Income Growth (YoY)	136.82%	31.64%	66.99%	15.84%	34.16%	Upgrade
Other Non-Interest Income	45,194	34,950	14,152	11,219	8,753	Upgrade
Total Non-Interest Income	45,194	34,950	14,152	11,219	8,753	Upgrade
Non-Interest Income Growth (YoY)	29.31%	146.96%	26.15%	28.18%	-3.03%	Upgrade
Revenues Before Loan Losses	205,507	102,644	65,576	42,013	35,337	Upgrade
Provision for Loan Losses	4,724	4,561	2,976	3,193	1,983	Upgrade
Revenue	200,783	98,083	62,599	38,820	33,354	Upgrade
Revenue Growth (YoY)	104.71%	56.68%	61.25%	16.39%	12.48%	Upgrade
Salaries and Employee Benefits	-	23,362	16,466	11,861	9,680	Upgrade
Occupancy Expenses	-	7,894	7,536	7,289	5,845	Upgrade
Selling, General & Administrative	-	3,974	2,682	971.86	778.6	Upgrade
Other Non-Interest Expense	75,843	13,090	8,688	7,046	7,075	Upgrade
Total Non-Interest Expense	75,843	48,320	35,372	27,169	23,379	Upgrade
EBT Excluding Unusual Items	124,940	49,763	27,227	11,651	9,975	Upgrade
Other Unusual Items	-	-42.51	-266.45	-161.34	-	Upgrade
Pretax Income	124,940	49,721	26,960	11,490	9,975	Upgrade
Income Tax Expense	51,949	20,343	8,055	3,797	2,925	Upgrade
Net Income	72,991	29,378	18,905	7,692	7,050	Upgrade
Net Income to Common	72,991	29,378	18,905	7,692	7,050	Upgrade
Net Income Growth	148.45%	55.40%	145.77%	9.12%	58.15%	Upgrade
Basic Shares Outstanding	2,911	2,911	2,911	2,911	2,911	Upgrade
Diluted Shares Outstanding	2,911	2,911	2,911	2,911	2,911	Upgrade
Shares Change (YoY)	0.01%	-	-	-	-	Upgrade
EPS (Basic)	25.07	10.09	6.50	2.64	2.42	Upgrade
EPS (Diluted)	25.07	10.09	6.50	2.64	2.42	Upgrade
EPS Growth	148.50%	55.34%	146.04%	9.09%	58.17%	Upgrade
Dividend Per Share	10.900	4.540	3.300	1.350	1.150	Upgrade
Dividend Growth	140.09%	37.58%	144.44%	17.39%	228.57%	Upgrade
Effective Tax Rate	41.58%	40.91%	29.88%	33.05%	29.32%	Upgrade

Updated Sep 30, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.