Lombard Bank Malta p.l.c. (MSE:LOM)

Lombard Bank Malta p.l.c. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	36.7	35.45	31.53	26.5	23.45	22.8
Interest Income on Investments	3.34	3.16	2.38	2.66	2.35	2.2
Total Interest Income	40.04	38.61	33.9	29.16	25.81	25
Interest Paid on Deposits	12.4	10.88	7.84	6.74	6.17	6.03
Net Interest Income	27.63	27.73	26.06	22.42	19.64	18.98
Net Interest Income Growth (YoY)	3.21%	6.37%	16.27%	14.16%	3.47%	-4.59%
Income From Trading Activities	0.67	0.63	0.38	0.79	0.62	0.54
Other Non-Interest Income	46.84	45.94	43.95	36.42	42.81	40.83
Total Non-Interest Income	47.52	46.57	44.33	37.21	43.43	41.37
Non-Interest Income Growth (YoY)	4.14%	5.05%	19.13%	-14.32%	4.99%	3.29%
Revenues Before Loan Losses	75.15	74.3	70.39	59.63	63.06	60.34
Provision for Loan Losses	-0.24	-0.93	1.26	-16.24	-1.46	3.97
Revenue	75.38	75.22	69.13	75.87	64.53	56.37
Revenue Growth (YoY)	0.96%	8.81%	-8.88%	17.58%	14.47%	-5.08%
Salaries and Employee Benefits	27.58	26.53	24.38	24.01	24.36	22.76
Occupancy Expenses	3.8	3.62	3.16	2.92	2.72	2.27
Selling, General & Administrative	2	2	1.79	1.71	3.02	3.22
Other Non-Interest Expense	22.27	22.47	24.95	19.19	21.64	17.52
Total Non-Interest Expense	53.24	54.66	54.61	48.22	52.14	45.92
EBT Excluding Unusual Items	22.14	20.57	14.53	27.65	12.39	10.45
Legal Settlements	-1.15	-1.15	-	0.03	0.25	-0.08
Pretax Income	20.99	19.42	14.53	27.68	12.64	10.37
Income Tax Expense	6.95	7.26	4.91	10.05	4.76	3.23
Earnings From Continuing Operations	14.04	12.16	9.62	17.63	7.88	7.14
Minority Interest in Earnings	-0.93	-0.87	-0.55	-0.1	-0.4	-0.5
Net Income	13.11	11.29	9.06	17.53	7.48	6.64
Net Income to Common	13.11	11.29	9.06	17.53	7.48	6.64
Net Income Growth	4.67%	24.59%	-48.29%	134.33%	12.67%	-28.75%
Basic Shares Outstanding	155	155	100	93	92	92
Diluted Shares Outstanding	155	155	100	93	92	92
Shares Change (YoY)	54.01%	54.01%	8.22%	0.63%	0.00%	-0.63%
EPS (Basic)	0.08	0.07	0.09	0.19	0.08	0.07
EPS (Diluted)	0.08	0.07	0.09	0.19	0.08	0.07
EPS Growth	-32.04%	-19.10%	-52.22%	132.86%	12.66%	-28.30%
Dividend Per Share	0.034	0.034	0.016	-	0.010	0.014
Dividend Growth	108.59%	108.59%	-	-	-31.47%	-
Effective Tax Rate	33.10%	37.38%	33.79%	36.31%	37.66%	31.14%

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