The National Bank 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	61.84	65.1	66.34	59	58.14
Interest Paid on Deposits	18.78	18.1	17.03	17.37	23.38
Net Interest Income	43.06	47	49.31	41.64	34.77
Net Interest Income Growth (YoY)	-8.38%	-4.69%	18.44%	19.75%	-1.19%
Gain (Loss) on Sale of Investments	0.12	0.15	0.21	1.43	1.73
Gain (Loss) on Sale of Equity Investments	1.3	0.25	1.22	3.8	1.96
Other Non-Interest Income	10.47	8.81	14.99	19.81	48.05
Total Non-Interest Income	11.9	9.21	16.42	25.04	51.74
Non-Interest Income Growth (YoY)	29.27%	-43.91%	-34.45%	-51.59%	-12.76%
Revenues Before Loan Losses	54.96	56.21	65.73	66.68	86.5
Provision for Loan Losses	6.84	14.53	6.26	4.59	11.95
Revenue	48.12	41.68	59.47	62.09	74.55
Revenue Growth (YoY)	15.46%	-29.92%	-4.21%	-16.72%	0.38%
Salaries and Employee Benefits	21.02	18.35	20.14	20.42	26.92
Occupancy Expenses	5.34	6.07	5.91	6.17	7.44
Selling, General & Administrative	-	1.59	3.2	2.34	3.96
Other Non-Interest Expense	12.38	13.74	14.83	13.58	17.18
Total Non-Interest Expense	38.74	39.75	44.08	42.5	55.5
EBT Excluding Unusual Items	9.38	1.92	15.39	19.58	19.05
Asset Writedown	-	-	-	-	-0.69
Legal Settlements	-	-	-	-	-0.2
Pretax Income	9.38	1.92	15.39	19.58	18.16
Income Tax Expense	2.38	0.9	0.99	2.58	4.24
Earnings From Continuing Operations	7.01	1.03	14.4	17	13.92
Minority Interest in Earnings	-	-	-	-	-5.42
Net Income	7.01	1.03	14.4	17	8.5
Net Income to Common	7.01	1.03	14.4	17	8.5
Net Income Growth	583.49%	-92.88%	-15.29%	100.01%	-
Basic Shares Outstanding	117	113	113	113	103
Diluted Shares Outstanding	117	113	113	113	103
Shares Change (YoY)	3.26%	-	-	10.14%	13.26%
EPS (Basic)	0.06	0.01	0.13	0.15	0.08
EPS (Diluted)	0.06	0.01	0.13	0.15	0.08
EPS Growth	561.96%	-92.88%	-15.29%	81.59%	-
Dividend Per Share	-	-	0.050	0.050	-
Effective Tax Rate	25.32%	46.70%	6.43%	13.18%	23.35%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.