FMBL 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	304.09	300.27	299.72	246.82	244.06
Interest Income on Investments	127.65	139.48	115.8	93.46	63.23
Total Interest Income	431.74	439.76	415.52	340.27	307.29
Interest Paid on Deposits	110.89	119.01	81.56	15.73	8.95
Interest Paid on Borrowings	46.22	83.55	70.9	15.5	3.28
Total Interest Expense	157.11	202.56	152.45	31.23	12.23
Net Interest Income	274.63	237.2	263.07	309.04	295.06
Net Interest Income Growth (YoY)	15.78%	-9.84%	-14.88%	4.74%	12.88%
Gain (Loss) on Sale of Assets	-	4.46	0.13	-	-
Gain (Loss) on Sale of Investments	-	-2.59	-	-	-
Other Non-Interest Income	9.4	8.85	9.35	12.08	16.43
Total Non-Interest Income	17.45	18.25	16.45	18.53	22.03
Non-Interest Income Growth (YoY)	-4.38%	10.97%	-11.24%	-15.89%	7.45%
Revenues Before Loan Losses	292.09	255.45	279.52	327.57	317.09
Provision for Loan Losses	-1.1	-6.6	-3.6	3.5	-
Revenue	293.19	262.05	283.12	324.07	317.09
Revenue Growth (YoY)	11.88%	-7.44%	-12.64%	2.20%	16.84%
Salaries and Employee Benefits	128.51	118.74	112.9	113.05	103.55
Federal Deposit Insurance	8	10.11	9.17	4.31	3.61
Selling, General & Administrative	50.12	53.39	55.11	51.84	46.78
Other Non-Interest Expense	14.03	17.36	24	19.6	18.62
Total Non-Interest Expense	200.67	198.65	201.18	188.8	172.56
EBT Excluding Unusual Items	92.51	63.4	81.93	135.27	144.53
Pretax Income	92.51	63.4	81.93	135.27	144.53
Income Tax Expense	24.16	18.52	11.93	26.27	29.32
Net Income	68.35	44.88	70.01	109	115.21
Net Income to Common	68.35	44.88	70.01	109	115.21
Net Income Growth	52.30%	-35.89%	-35.77%	-5.38%	44.37%
Basic Shares Outstanding	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0
Shares Change (YoY)	-1.54%	-1.01%	-0.78%	-0.66%	0.08%
EPS (Basic)	559.71	365.52	568.23	876.17	913.60
EPS (Diluted)	537.62	358.63	553.79	855.56	898.31
EPS Growth	49.91%	-35.24%	-35.27%	-4.76%	44.25%
Dividend Per Share	112.000	112.000	112.000	112.000	108.000
Dividend Growth	-	-	-	3.70%	-
Effective Tax Rate	26.12%	29.21%	14.56%	19.42%	20.29%

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