NBS 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	417,942	239,794	111,896	77,227	49,512
Total Interest Income	417,942	239,794	111,896	77,227	49,512
Interest Paid on Deposits	110,202	79,482	44,202	25,804	18,718
Net Interest Income	307,740	160,313	67,694	51,424	30,794
Net Interest Income Growth (YoY)	91.96%	136.82%	31.64%	66.99%	15.84%
Other Non-Interest Income	111,016	45,194	34,950	14,152	11,219
Total Non-Interest Income	111,016	45,194	34,950	14,152	11,219
Non-Interest Income Growth (YoY)	145.64%	29.31%	146.96%	26.15%	28.18%
Revenues Before Loan Losses	418,756	205,507	102,644	65,576	42,013
Provision for Loan Losses	38,409	4,724	4,561	2,976	3,193
Revenue	380,347	200,783	98,083	62,599	38,820
Revenue Growth (YoY)	89.43%	104.71%	56.68%	61.25%	16.39%
Salaries and Employee Benefits	-	31,521	23,362	16,466	11,861
Occupancy Expenses	-	14,505	7,894	7,536	7,289
Selling, General & Administrative	-	5,675	3,974	2,682	971.86
Other Non-Interest Expense	112,206	24,142	13,132	8,688	7,046
Total Non-Interest Expense	112,206	75,843	48,362	35,372	27,169
EBT Excluding Unusual Items	268,141	124,940	49,721	27,227	11,651
Other Unusual Items	-	-	-	-266.45	-161.34
Pretax Income	268,141	124,940	49,721	26,960	11,490
Income Tax Expense	117,719	51,949	20,343	8,055	3,797
Net Income	150,422	72,991	29,378	18,905	7,692
Net Income to Common	150,422	72,991	29,378	18,905	7,692
Net Income Growth	106.08%	148.45%	55.40%	145.77%	9.12%
Basic Shares Outstanding	2,911	2,911	2,911	2,911	2,911
Diluted Shares Outstanding	2,911	2,911	2,911	2,911	2,911
Shares Change (YoY)	0.01%	-	-	-	-
EPS (Basic)	51.67	25.08	10.09	6.50	2.64
EPS (Diluted)	51.67	25.08	10.09	6.50	2.64
EPS Growth	106.05%	148.54%	55.34%	146.04%	9.09%
Dividend Per Share	23.000	10.900	4.540	3.300	1.350
Dividend Growth	111.01%	140.09%	37.58%	144.44%	17.39%
Effective Tax Rate	43.90%	41.58%	40.91%	29.88%	33.05%