NPF Microfinance Bank Plc (NGX:NPFMCRFBK)
Nigeria · Delayed Price · Currency is NGN 5.45
-0.05 (-0.91%)
At close: Jun 11, 2026
NPF Microfinance Bank Income Statement
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. 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 | 18,579 | 17,539 | 11,474 | 9,354 | 6,320 | 5,173 |
Interest Paid on Deposits | 2,043 | 1,644 | 1,101 | 963.22 | 768.02 | 655.7 |
Net Interest Income | 16,536 | 15,896 | 10,373 | 8,390 | 5,552 | 4,517 |
Net Interest Income Growth (YoY) | 40.43% | 53.23% | 23.63% | 51.13% | 22.91% | 22.84% |
Gain (Loss) on Sale of Assets | 5.56 | 5.23 | 9.01 | 8.46 | 0.77 | 2.12 |
Gain (Loss) on Sale of Investments | 10.09 | - | - | - | - | -0.05 |
Other Non-Interest Income | 1,761 | 1,822 | 1,465 | 938.1 | 832.93 | 595.3 |
Total Non-Interest Income | 1,777 | 1,827 | 1,474 | 946.56 | 833.69 | 597.37 |
Non-Interest Income Growth (YoY) | -1.79% | 23.92% | 55.74% | 13.54% | 39.56% | 4.69% |
Revenues Before Loan Losses | 18,313 | 17,722 | 11,848 | 9,337 | 6,385 | 5,114 |
Provision for Loan Losses | 541.48 | 541.48 | 63.3 | 864.06 | 143.26 | 34.97 |
| 17,772 | 17,181 | 11,784 | 8,473 | 6,242 | 5,079 | |
Revenue Growth (YoY) | 31.43% | 45.80% | 39.08% | 35.74% | 22.89% | 23.13% |
Salaries and Employee Benefits | 6,871 | 6,722 | 4,567 | 3,356 | 2,566 | 2,175 |
Occupancy Expenses | 651.45 | 616.23 | 466.67 | 380.48 | 266.71 | 254.36 |
Amortization of Goodwill & Intangibles | 77.2 | 53.74 | 1.04 | 18.14 | 26.05 | 28.83 |
Selling, General & Administrative | 1,521 | 1,462 | 909.19 | 556.55 | 450.61 | 1,586 |
Other Non-Interest Expense | 4,221 | 3,972 | 3,403 | 2,548 | 1,609 | 4.38 |
Total Non-Interest Expense | 13,341 | 12,826 | 9,347 | 6,859 | 4,918 | 4,049 |
EBT Excluding Unusual Items | 4,430 | 4,355 | 2,438 | 1,614 | 1,324 | 1,031 |
Other Unusual Items | -1.01 | -0.52 | -0.16 | - | - | - |
Pretax Income | 4,429 | 4,355 | 2,437 | 1,614 | 1,324 | 1,031 |
Income Tax Expense | 1,476 | 1,449 | 863.26 | 594.95 | 442 | 323.08 |
Net Income | 2,953 | 2,906 | 1,574 | 1,019 | 882.17 | 707.49 |
Net Income to Common | 2,953 | 2,906 | 1,574 | 1,019 | 882.17 | 707.49 |
Net Income Growth | 48.63% | 84.57% | 54.42% | 15.56% | 24.69% | 15.15% |
Basic Shares Outstanding | 5,973 | 5,993 | 5,993 | 5,993 | 5,993 | 2,541 |
Diluted Shares Outstanding | 5,973 | 5,993 | 5,993 | 5,993 | 5,993 | 2,541 |
Shares Change (YoY) | 0.32% | - | - | - | 135.88% | - |
EPS (Basic) | 0.49 | 0.48 | 0.26 | 0.17 | 0.15 | 0.28 |
EPS (Diluted) | 0.49 | 0.48 | 0.26 | 0.17 | 0.15 | 0.28 |
EPS Growth | 48.16% | 84.57% | 54.42% | 15.56% | -47.14% | 15.15% |
Dividend Per Share | 0.200 | 0.200 | 0.150 | 0.120 | 0.100 | 0.090 |
Dividend Growth | 33.33% | 33.33% | 25.00% | 20.00% | 11.11% | -50.00% |
Effective Tax Rate | 33.33% | 33.28% | 35.42% | 36.85% | 33.38% | 31.35% |