NMSE:LHN Income Statement

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

Millions NAD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	954.23	787.25	667.86	588.52	625.7
Total Interest Income	954.23	787.25	667.86	588.52	625.7
Interest Paid on Deposits	404.94	349.04	214.44	121.23	98.75
Net Interest Income	549.29	438.21	453.43	467.29	526.95
Net Interest Income Growth (YoY)	25.35%	-3.36%	-2.97%	-11.32%	2.28%
Other Non-Interest Income	311.58	313.86	301.15	237.44	155.37
Total Non-Interest Income	311.58	313.86	301.15	237.44	155.37
Non-Interest Income Growth (YoY)	-0.73%	4.22%	26.83%	52.83%	-33.06%
Revenues Before Loan Losses	860.87	752.07	754.58	704.73	682.32
Provision for Loan Losses	-12.15	11.99	10.43	-16.52	43.65
Revenue	873.01	740.09	744.15	721.25	638.67
Revenue Growth (YoY)	17.96%	-0.55%	3.17%	12.93%	-13.47%
Salaries and Employee Benefits	116.2	93.71	82.98	79.86	70.31
Selling, General & Administrative	12.27	14.59	11.8	15.37	2.73
Other Non-Interest Expense	279.72	248.68	257.85	270.21	161.69
Total Non-Interest Expense	408.19	356.97	352.63	365.45	234.72
EBT Excluding Unusual Items	464.82	383.12	391.52	355.8	403.95
Pretax Income	464.82	383.12	391.52	355.8	403.95
Income Tax Expense	45.98	29.77	41.1	52.57	83.06
Net Income	418.84	353.35	350.42	303.23	320.89
Net Income to Common	418.84	353.35	350.42	303.23	320.89
Net Income Growth	18.54%	0.84%	15.56%	-5.50%	-20.02%
Basic Shares Outstanding	500	500	500	500	500
Diluted Shares Outstanding	500	500	500	500	500
EPS (Basic)	0.84	0.71	0.70	0.61	0.64
EPS (Diluted)	0.84	0.71	0.70	0.61	0.64
EPS Growth	18.54%	0.96%	15.42%	-5.24%	-20.00%
Dividend Per Share	0.838	0.708	0.701	0.455	0.225
Dividend Growth	18.37%	0.97%	54.18%	102.04%	-4.25%
Effective Tax Rate	9.89%	7.77%	10.50%	14.78%	20.56%