ENB Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	81.23	73.06	61.24	41.94	34.25
Interest Income on Investments	24.88	19.81	16.64	14.02	9.35
Total Interest Income	106.11	92.87	77.88	55.96	43.59
Interest Paid on Deposits	29.79	30.41	18.77	2.75	1.14
Interest Paid on Borrowings	7.62	5.71	5.07	2.63	1.88
Total Interest Expense	37.41	36.13	23.84	5.38	3.02
Net Interest Income	68.7	56.74	54.04	50.58	40.57
Net Interest Income Growth (YoY)	21.08%	5.00%	6.83%	24.68%	6.07%
Trust Income	3.6	3.67	2.88	2.64	2.36
Gain (Loss) on Sale of Investments	-0.21	0.16	-1.5	0.01	1.05
Other Non-Interest Income	12.76	12.48	10.55	9.61	8.94
Total Non-Interest Income	18.04	18.13	12.7	13.56	17.88
Non-Interest Income Growth (YoY)	-0.51%	42.77%	-6.38%	-24.14%	16.41%
Revenues Before Loan Losses	86.74	74.87	66.74	64.15	58.45
Provision for Loan Losses	0.89	1.02	0.52	1.3	0.48
Revenue	85.85	73.86	66.22	62.85	57.98
Revenue Growth (YoY)	16.25%	11.54%	5.36%	8.40%	14.45%
Salaries and Employee Benefits	34.62	33.98	30.09	27.31	24.47
Occupancy Expenses	3.08	2.84	2.79	2.52	2.41
Selling, General & Administrative	14.37	12.55	13.33	10.99	8.78
Other Non-Interest Expense	6.35	5.86	5.2	5.1	4.79
Total Non-Interest Expense	58.42	55.23	51.41	45.93	40.44
EBT Excluding Unusual Items	27.43	18.63	14.81	16.92	17.54
Pretax Income	26.74	18.63	14.81	16.92	17.54
Income Tax Expense	5.18	3.31	2.44	2.29	2.62
Net Income	21.56	15.32	12.38	14.63	14.92
Net Income to Common	21.56	15.32	12.38	14.63	14.92
Net Income Growth	40.75%	23.77%	-15.42%	-1.91%	21.28%
Basic Shares Outstanding	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6
Shares Change (YoY)	0.31%	0.24%	1.00%	0.37%	-0.27%
EPS (Basic)	3.80	2.71	2.19	2.62	2.68
EPS (Diluted)	3.80	2.71	2.19	2.62	2.68
EPS Growth	40.33%	23.47%	-16.26%	-2.27%	21.61%
Dividend Per Share	0.720	0.690	0.680	0.680	0.670
Dividend Growth	4.35%	1.47%	-	1.49%	4.69%
Effective Tax Rate	19.36%	17.76%	16.45%	13.52%	14.94%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.