FBAK 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	173.21	160.19	143.02	112.56	115.18
Interest Income on Investments	63.39	84.13	71.49	47.46	32
Total Interest Income	236.6	244.32	214.52	160.02	147.18
Interest Paid on Deposits	25.96	30.03	18.85	3.89	1.31
Interest Paid on Borrowings	21.85	47.57	41.19	10.76	0.27
Total Interest Expense	47.81	77.6	60.04	14.65	1.58
Net Interest Income	188.79	166.72	154.48	145.37	145.6
Net Interest Income Growth (YoY)	13.24%	7.92%	6.27%	-0.16%	0.58%
Gain (Loss) on Sale of Assets	-0.02	-	-	-	-
Gain (Loss) on Sale of Investments	-	0.42	-0.3	-0.06	-14.08
Other Non-Interest Income	21.6	21.1	19.78	18.52	17.73
Total Non-Interest Income	29.23	28.47	25.72	24.92	13.23
Non-Interest Income Growth (YoY)	2.68%	10.68%	3.21%	88.38%	-33.06%
Revenues Before Loan Losses	218.03	195.19	180.2	170.29	158.83
Provision for Loan Losses	4.81	0.72	-0.93	-1.25	2.43
Revenue	213.21	194.47	181.13	171.54	156.41
Revenue Growth (YoY)	9.64%	7.36%	5.59%	9.68%	-3.65%
Salaries and Employee Benefits	72.77	68.67	63.65	60.74	63.21
Occupancy Expenses	7.39	7.78	7.32	7.01	6.98
Selling, General & Administrative	2.37	2.43	2.91	2.66	2.34
Other Non-Interest Expense	26.4	25.47	24.44	22.2	5.66
Total Non-Interest Expense	108.93	104.35	98.17	93.08	78.25
EBT Excluding Unusual Items	104.29	90.12	82.96	78.47	78.16
Asset Writedown	-0.18	-0.24	-0.3	-0.32	-0.28
Pretax Income	104.11	89.89	82.67	78.15	77.88
Income Tax Expense	26.57	22.84	22.66	19.92	19.46
Net Income	77.54	67.05	60.01	58.24	58.41
Net Income to Common	77.54	67.05	60.01	58.24	58.41
Net Income Growth	15.65%	11.73%	3.05%	-0.31%	1.53%
Basic Shares Outstanding	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3
Shares Change (YoY)	-	0.00%	-	-	-0.00%
EPS (Basic)	24.48	21.17	18.95	18.39	18.45
EPS (Diluted)	24.48	21.17	18.95	18.39	18.45
EPS Growth	15.65%	11.72%	3.05%	-0.31%	1.53%
Dividend Per Share	16.000	12.800	12.800	12.800	12.800
Dividend Growth	25.00%	-	-	-	-
Effective Tax Rate	25.52%	25.41%	27.41%	25.49%	24.99%

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