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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	19,586	17,539	11,474	9,354	6,320	5,173
Interest Paid on Deposits	2,383	1,644	1,101	963.22	768.02	655.7
Net Interest Income	17,202	15,896	10,373	8,390	5,552	4,517
Net Interest Income Growth	28.44%	53.23%	23.63%	51.13%	22.91%	22.84%
Gain (Loss) on Sale of Assets	5.44	5.23	9.01	8.46	0.77	2.12
Gain (Loss) on Sale of Investments	10.09	-	-	-	-	-0.05
Other Non-Interest Income	1,718	1,822	1,465	938.1	832.93	595.3
Total Non-Interest Income	1,733	1,827	1,474	946.56	833.69	597.37
Non-Interest Income Growth	-17.22%	23.92%	55.74%	13.54%	39.56%	4.69%
Revenues Before Loan Losses	18,936	17,722	11,848	9,337	6,385	5,114
Provision for Loan Losses	542.66	541.48	63.3	864.06	143.26	34.97
Revenue	18,393	17,181	11,784	8,473	6,242	5,079
Revenue Growth	19.25%	45.80%	39.08%	35.74%	22.89%	23.13%
Salaries and Employee Benefits	7,022	6,722	4,567	3,356	2,566	2,175
Occupancy Expenses	731.64	616.23	466.67	380.48	266.71	254.36
Amortization of Goodwill & Intangibles	100.66	53.74	1.04	18.14	26.05	28.83
Selling, General & Administrative	1,483	1,462	909.19	556.55	450.61	1,586
Other Non-Interest Expense	4,472	3,972	3,403	2,548	1,609	4.38
Total Non-Interest Expense	13,809	12,826	9,347	6,859	4,918	4,049
EBT Excluding Unusual Items	4,584	4,355	2,438	1,614	1,324	1,031
Other Unusual Items	-0.98	-0.52	-0.16	-	-	-
Pretax Income	4,583	4,355	2,437	1,614	1,324	1,031
Income Tax Expense	1,568	1,449	863.26	594.95	442	323.08
Net Income	3,015	2,906	1,574	1,019	882.17	707.49
Net Income to Common	3,015	2,906	1,574	1,019	882.17	707.49
Net Income Growth	9.44%	84.57%	54.42%	15.56%	24.69%	15.15%
Basic Shares Outstanding	5,977	5,993	5,993	5,993	5,993	2,541
Diluted Shares Outstanding	5,977	5,993	5,993	5,993	5,993	2,541
Shares Change	0.57%	-	-	-	135.88%	-
EPS (Basic)	0.50	0.48	0.26	0.17	0.15	0.28
EPS (Diluted)	0.50	0.48	0.26	0.17	0.15	0.28
EPS Growth	8.82%	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	Jun 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	34.21%	33.28%	35.42%	36.85%	33.38%	31.35%

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Aug 15, 2026

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