Capricorn Group Income Statement

Financials in millions NAD. Fiscal year is July - June.

Millions NAD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest Income on Loans	6,794	6,786	6,675	5,626	4,187	4,057
Interest Paid on Deposits	3,361	3,387	3,587	2,908	1,850	1,802
Net Interest Income	3,433	3,399	3,088	2,718	2,337	2,255
Net Interest Income Growth (YoY)	4.85%	10.07%	13.60%	16.31%	3.63%	3.27%
Trust Income	304	261	211	187.29	164.61	158.71
Income From Trading Activities	394	343	271	213.26	210.63	99.17
Gain (Loss) on Sale of Assets	-3	-3	-2	-4.23	-2.59	1.16
Gain (Loss) on Sale of Investments	-	-	-	-	-	-2.13
Other Non-Interest Income	1,771	1,818	1,659	1,475	1,294	1,215
Total Non-Interest Income	2,466	2,419	2,139	1,871	1,666	1,472
Non-Interest Income Growth (YoY)	6.39%	13.09%	14.31%	12.29%	13.19%	3.34%
Revenues Before Loan Losses	5,899	5,818	5,227	4,589	4,003	3,728
Provision for Loan Losses	414	315	328	235.61	367.3	443.75
Revenue	5,485	5,503	4,899	4,354	3,636	3,284
Revenue Growth (YoY)	2.91%	12.33%	12.52%	19.73%	10.73%	2.58%
Salaries and Employee Benefits	1,673	1,673	1,501	1,356	1,194	1,110
Occupancy Expenses	209	209	199	187.36	164.37	175.73
Amortization of Goodwill & Intangibles	54	54	50	51.76	45.67	47.83
Selling, General & Administrative	585	585	537	469.9	391.55	373.75
Other Non-Interest Expense	633	466	396	350.73	316	270.17
Total Non-Interest Expense	3,004	2,826	2,542	2,257	2,061	1,888
EBT Excluding Unusual Items	2,481	2,677	2,357	2,096	1,575	1,396
Asset Writedown	-	-	-4	-	-	-1.42
Pretax Income	2,481	2,677	2,353	2,096	1,575	1,394
Income Tax Expense	631	684	617	516.47	429.47	369.84
Earnings From Continuing Operations	1,850	1,993	1,736	1,580	1,146	1,024
Earnings From Discontinued Operations	-	-	-	-	-	-41.27
Minority Interest in Earnings	-137	-135	-118	-102.66	-99.9	-110.7
Net Income	1,713	1,858	1,618	1,477	1,046	872.33
Net Income to Common	1,713	1,858	1,618	1,477	1,046	872.33
Net Income Growth	-7.17%	14.83%	9.53%	41.23%	19.91%	14.63%
Basic Shares Outstanding	507	506	506	506	511	511
Diluted Shares Outstanding	512	510	510	509	512	513
Shares Change (YoY)	0.40%	0.14%	0.10%	-0.66%	-0.07%	-0.14%
EPS (Basic)	3.38	3.67	3.20	2.92	2.05	1.71
EPS (Diluted)	3.35	3.64	3.18	2.90	2.04	1.70
EPS Growth	-7.46%	14.64%	9.44%	42.19%	19.95%	15.30%
Dividend Per Share	1.320	1.350	1.120	1.000	0.720	0.600
Dividend Growth	5.60%	20.54%	12.00%	38.89%	20.00%	20.00%
Effective Tax Rate	25.43%	25.55%	26.22%	24.64%	27.26%	26.53%

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