Family Bank Income Statement

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

Millions KES. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	25,550	25,170	20,959	16,211	13,820	11,156
Interest Paid on Deposits	8,904	9,044	9,799	6,553	4,737	3,242
Net Interest Income	17,603	16,126	11,160	9,658	9,083	7,915
Net Interest Income Growth (YoY)	53.11%	44.50%	15.55%	6.33%	14.76%	19.63%
Income From Trading Activities	330.91	330.91	610.65	1,031	664.66	297.42
Other Non-Interest Income	3,191	3,572	3,170	2,663	2,380	2,556
Total Non-Interest Income	3,521	3,903	3,781	3,694	3,045	2,854
Non-Interest Income Growth (YoY)	-26.14%	3.23%	2.34%	21.33%	6.69%	12.93%
Revenues Before Loan Losses	21,124	20,029	14,941	13,353	12,128	10,769
Provision for Loan Losses	2,634	2,563	1,380	2,075	1,307	1,276
Revenue	18,490	17,466	13,560	11,278	10,821	9,493
Revenue Growth (YoY)	19.89%	28.80%	20.24%	4.22%	14.00%	37.29%
Salaries and Employee Benefits	5,929	5,387	4,586	3,979	3,430	2,580
Occupancy Expenses	1,659	1,657	1,617	1,505	1,461	1,391
Federal Deposit Insurance	196.06	196.06	163.9	155.38	116.54	103.76
Amortization of Goodwill & Intangibles	196.43	187.51	157.63	121.22	128.26	137.59
Selling, General & Administrative	693.41	766.14	762.36	656.4	582.86	394.67
Other Non-Interest Expense	2,654	2,942	2,356	1,665	1,357	1,548
Total Non-Interest Expense	11,328	11,136	9,644	8,082	7,076	6,156
EBT Excluding Unusual Items	7,163	6,330	3,916	3,196	3,745	3,337
Pretax Income	7,163	6,330	3,916	3,196	3,745	3,337
Income Tax Expense	1,232	952.2	455.82	687.89	1,531	1,028
Net Income	5,931	5,378	3,461	2,508	2,214	2,309
Net Income to Common	5,931	5,378	3,461	2,508	2,214	2,309
Net Income Growth	64.71%	55.42%	37.98%	13.29%	-4.11%	98.59%
Basic Shares Outstanding	1,460	1,367	1,304	1,287	1,287	1,287
Diluted Shares Outstanding	1,460	1,367	1,304	1,287	1,287	1,287
Shares Change (YoY)	11.52%	4.89%	1.27%	-	-	-
EPS (Basic)	4.06	3.93	2.65	1.95	1.72	1.79
EPS (Diluted)	4.06	3.93	2.65	1.95	1.72	1.79
EPS Growth	47.69%	48.17%	36.25%	13.29%	-4.11%	98.59%
Dividend Per Share	-	1.200	0.850	0.560	0.620	0.830
Dividend Growth	-	41.18%	51.79%	-9.68%	-25.30%	-
Effective Tax Rate	17.20%	15.04%	11.64%	21.52%	40.89%	30.81%