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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	37.25	35.45	31.53	26.5	23.45
Interest Income on Investments	3.21	3.16	2.38	2.66	2.35
Total Interest Income	40.46	38.61	33.9	29.16	25.81
Interest Paid on Deposits	13.91	10.88	7.84	6.74	6.17
Net Interest Income	26.55	27.73	26.06	22.42	19.64
Net Interest Income Growth (YoY)	-4.23%	6.37%	16.27%	14.16%	3.47%
Income From Trading Activities	0.61	0.63	0.38	0.79	0.62
Other Non-Interest Income	49.33	45.94	43.95	36.42	42.81
Total Non-Interest Income	49.95	46.57	44.33	37.21	43.43
Non-Interest Income Growth (YoY)	7.25%	5.05%	19.13%	-14.32%	4.99%
Revenues Before Loan Losses	76.5	74.3	70.39	59.63	63.06
Provision for Loan Losses	-0.96	-0.93	1.26	-16.24	-1.46
Revenue	77.46	75.22	69.13	75.87	64.53
Revenue Growth (YoY)	2.97%	8.81%	-8.88%	17.58%	14.47%
Salaries and Employee Benefits	28.3	26.53	24.38	24.01	24.36
Occupancy Expenses	3.59	3.62	3.16	2.92	2.72
Selling, General & Administrative	2.02	2	1.79	1.71	3.02
Other Non-Interest Expense	23.1	23.62	24.95	19.19	21.64
Total Non-Interest Expense	53.69	55.81	54.61	48.22	52.14
EBT Excluding Unusual Items	23.77	19.42	14.53	27.65	12.39
Legal Settlements	-	-	-	0.03	0.25
Pretax Income	23.77	19.42	14.53	27.68	12.64
Income Tax Expense	7.18	7.26	4.91	10.05	4.76
Earnings From Continuing Operations	16.58	12.16	9.62	17.63	7.88
Minority Interest in Earnings	-1.2	-0.87	-0.55	-0.1	-0.4
Net Income	15.38	11.29	9.06	17.53	7.48
Net Income to Common	15.38	11.29	9.06	17.53	7.48
Net Income Growth	36.21%	24.59%	-48.29%	134.33%	12.67%
Basic Shares Outstanding	154	155	100	93	92
Diluted Shares Outstanding	154	155	100	93	92
Shares Change (YoY)	-0.19%	54.01%	8.22%	0.63%	0.00%
EPS (Basic)	0.10	0.07	0.09	0.19	0.08
EPS (Diluted)	0.10	0.07	0.09	0.19	0.08
EPS Growth	36.47%	-19.10%	-52.22%	132.86%	12.66%
Dividend Per Share	0.034	0.034	0.016	-	0.010
Dividend Growth	0.59%	108.59%	-	-	-31.47%
Effective Tax Rate	30.23%	37.38%	33.79%	36.31%	37.66%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.