NPF Microfinance Bank Plc (NGX:NPFMCRFBK)

NPF Microfinance Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	20,727	17,539	11,474	9,354	6,320	5,173
Interest Paid on Deposits	2,000	1,644	1,101	963.22	768.02	655.7
Net Interest Income	18,727	15,896	10,373	8,390	5,552	4,517
Net Interest Income Growth	34.63%	53.23%	23.63%	51.13%	22.91%	22.84%
Gain (Loss) on Sale of Assets	4.6	5.23	9.01	8.46	0.77	2.12
Gain (Loss) on Sale of Investments	9.85	-	-	-	-	-0.05
Other Non-Interest Income	1,668	1,822	1,465	938.1	832.93	595.3
Total Non-Interest Income	1,682	1,827	1,474	946.56	833.69	597.37
Non-Interest Income Growth	-25.69%	23.92%	55.74%	13.54%	39.56%	4.69%
Revenues Before Loan Losses	20,409	17,722	11,848	9,337	6,385	5,114
Provision for Loan Losses	805.75	541.48	63.3	864.06	143.26	34.97
Revenue	19,603	17,181	11,784	8,473	6,242	5,079
Revenue Growth	21.68%	45.80%	39.08%	35.74%	22.89%	23.13%
Salaries and Employee Benefits	7,230	6,722	4,567	3,356	2,566	2,175
Occupancy Expenses	788.93	616.23	466.67	380.48	266.71	254.36
Amortization of Goodwill & Intangibles	124.13	53.74	1.04	18.14	26.05	28.83
Selling, General & Administrative	1,361	1,462	909.19	556.55	450.61	1,586
Other Non-Interest Expense	3,999	3,972	3,403	2,548	1,609	4.38
Total Non-Interest Expense	13,503	12,826	9,347	6,859	4,918	4,049
EBT Excluding Unusual Items	6,100	4,355	2,438	1,614	1,324	1,031
Other Unusual Items	-0.52	-0.52	-0.16	-	-	-
Pretax Income	6,100	4,355	2,437	1,614	1,324	1,031
Income Tax Expense	2,288	1,449	863.26	594.95	442	323.08
Net Income	3,812	2,906	1,574	1,019	882.17	707.49
Net Income to Common	3,812	2,906	1,574	1,019	882.17	707.49
Net Income Growth	31.30%	84.57%	54.42%	15.56%	24.69%	15.15%
Basic Shares Outstanding	5,996	5,993	5,993	5,993	5,993	2,541
Diluted Shares Outstanding	5,996	5,993	5,993	5,993	5,993	2,541
Shares Change	-0.12%	-	-	-	135.88%	-
EPS (Basic)	0.64	0.48	0.26	0.17	0.15	0.28
EPS (Diluted)	0.64	0.48	0.26	0.17	0.15	0.28
EPS Growth	31.46%	84.57%	54.42%	15.56%	-47.14%	15.15%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	37.51%	33.28%	35.42%	36.85%	33.38%	31.35%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 3, 2026

Data Sources Report a data error