NBS Bank Income Statement

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

Millions MWK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	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
Interest Income on Loans	315,527	239,794	111,896	77,227	49,512	9,274
Interest Income on Investments	-	-	-	-	-	27,297
Total Interest Income	315,527	239,794	111,896	77,227	49,512	36,571
Interest Paid on Deposits	100,363	79,482	44,202	25,804	18,718	9,987
Net Interest Income	215,165	160,313	67,694	51,424	30,794	26,584
Net Interest Income Growth (YoY)	108.63%	136.82%	31.64%	66.99%	15.84%	34.16%
Other Non-Interest Income	92,443	45,194	34,950	14,152	11,219	8,753
Total Non-Interest Income	92,443	45,194	34,950	14,152	11,219	8,753
Non-Interest Income Growth (YoY)	94.86%	29.31%	146.96%	26.15%	28.18%	-3.03%
Revenues Before Loan Losses	307,608	205,507	102,644	65,576	42,013	35,337
Provision for Loan Losses	8,771	4,724	4,561	2,976	3,193	1,983
Revenue	298,837	200,783	98,083	62,599	38,820	33,354
Revenue Growth (YoY)	107.25%	104.71%	56.68%	61.25%	16.39%	12.48%
Salaries and Employee Benefits	31,521	31,521	23,362	16,466	11,861	9,680
Occupancy Expenses	14,505	14,505	7,894	7,536	7,289	5,845
Selling, General & Administrative	5,675	5,675	3,974	2,682	971.86	778.6
Other Non-Interest Expense	46,043	24,142	13,132	8,688	7,046	7,075
Total Non-Interest Expense	97,744	75,843	48,362	35,372	27,169	23,379
EBT Excluding Unusual Items	201,093	124,940	49,721	27,227	11,651	9,975
Other Unusual Items	-	-	-	-266.45	-161.34	-
Pretax Income	201,093	124,940	49,721	26,960	11,490	9,975
Income Tax Expense	87,498	51,949	20,343	8,055	3,797	2,925
Net Income	113,595	72,991	29,378	18,905	7,692	7,050
Net Income to Common	113,595	72,991	29,378	18,905	7,692	7,050
Net Income Growth	127.80%	148.45%	55.40%	145.77%	9.12%	58.15%
Basic Shares Outstanding	2,911	2,911	2,911	2,911	2,911	2,911
Diluted Shares Outstanding	2,911	2,911	2,911	2,911	2,911	2,911
EPS (Basic)	39.03	25.08	10.09	6.50	2.64	2.42
EPS (Diluted)	39.03	25.08	10.09	6.50	2.64	2.42
EPS Growth	127.85%	148.54%	55.34%	146.04%	9.09%	58.17%
Dividend Per Share	6.500	10.900	4.540	3.300	1.350	1.150
Dividend Growth	-27.29%	140.09%	37.58%	144.44%	17.39%	228.57%
Effective Tax Rate	43.51%	41.58%	40.91%	29.88%	33.05%	29.32%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.