FBAK Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	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	169.93	160.19	143.02	112.56	115.18	116.88
Interest Income on Investments	67.1	84.13	71.49	47.46	32	31.8
Total Interest Income	237.03	244.32	214.52	160.02	147.18	148.68
Interest Paid on Deposits	26.89	30.03	18.85	3.89	1.31	1.89
Interest Paid on Borrowings	27.65	47.57	41.19	10.76	0.27	2.02
Total Interest Expense	54.54	77.6	60.04	14.65	1.58	3.91
Net Interest Income	182.48	166.72	154.48	145.37	145.6	144.77
Net Interest Income Growth (YoY)	17.71%	7.92%	6.27%	-0.16%	0.58%	5.79%
Gain (Loss) on Sale of Investments	0.42	0.42	-0.3	-0.06	-14.08	-6.11
Other Non-Interest Income	21.41	21.1	19.78	18.52	17.73	16.36
Total Non-Interest Income	29.07	28.47	25.72	24.92	13.23	19.77
Non-Interest Income Growth (YoY)	8.51%	10.68%	3.21%	88.38%	-33.06%	4.55%
Revenues Before Loan Losses	211.55	195.19	180.2	170.29	158.83	164.53
Provision for Loan Losses	2.48	0.72	-0.93	-1.25	2.43	2.2
Revenue	209.07	194.47	181.13	171.54	156.41	162.34
Revenue Growth (YoY)	14.62%	7.36%	5.59%	9.68%	-3.65%	4.43%
Salaries and Employee Benefits	71.26	68.67	63.65	60.74	63.21	63.31
Occupancy Expenses	7.44	7.78	7.32	7.01	6.98	7.52
Selling, General & Administrative	2.43	2.43	2.91	2.66	2.34	2.6
Other Non-Interest Expense	25.75	25.47	24.44	22.2	5.66	11.32
Total Non-Interest Expense	106.87	104.35	98.17	93.08	78.25	84.95
EBT Excluding Unusual Items	102.2	90.12	82.96	78.47	78.16	77.39
Asset Writedown	-0.24	-0.24	-0.3	-0.32	-0.28	-0.24
Pretax Income	101.96	89.89	82.67	78.15	77.88	77.14
Income Tax Expense	24.56	22.84	22.66	19.92	19.46	19.61
Net Income	77.41	67.05	60.01	58.24	58.41	57.54
Net Income to Common	77.41	67.05	60.01	58.24	58.41	57.54
Net Income Growth	28.94%	11.73%	3.05%	-0.31%	1.53%	3.40%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change (YoY)	-	-	-	-	-0.00%	-0.05%
EPS (Basic)	24.44	21.17	18.95	18.39	18.45	18.17
EPS (Diluted)	24.44	21.17	18.95	18.39	18.45	18.17
EPS Growth	-	11.73%	3.05%	-0.31%	1.53%	3.45%
Dividend Per Share	15.200	12.800	12.800	12.800	12.800	12.800
Dividend Growth	18.75%	-	-	-	-	-
Effective Tax Rate	24.08%	25.41%	27.41%	25.49%	24.99%	25.42%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.