The National Bank 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	61.27	65.1	66.34	59	58.14	56.76
Interest Paid on Deposits	18.19	18.1	17.03	17.37	23.38	21.58
Net Interest Income	43.09	47	49.31	41.64	34.77	35.19
Net Interest Income Growth (YoY)	-8.45%	-4.69%	18.44%	19.75%	-1.19%	26.04%
Gain (Loss) on Sale of Investments	0.12	0.15	0.21	1.43	1.73	1.14
Gain (Loss) on Sale of Equity Investments	0.87	0.25	1.22	3.8	1.96	0.15
Other Non-Interest Income	9.58	8.81	14.99	19.81	48.05	58.01
Total Non-Interest Income	10.56	9.21	16.42	25.04	51.74	59.3
Non-Interest Income Growth (YoY)	13.80%	-43.91%	-34.45%	-51.59%	-12.76%	-14.52%
Revenues Before Loan Losses	53.65	56.21	65.73	66.68	86.5	94.49
Provision for Loan Losses	15.26	14.53	6.26	4.59	11.95	20.22
Revenue	38.39	41.68	59.47	62.09	74.55	74.27
Revenue Growth (YoY)	-24.85%	-29.92%	-4.21%	-16.72%	0.38%	-19.12%
Salaries and Employee Benefits	17.97	18.35	20.14	20.42	26.92	31.49
Occupancy Expenses	5.58	6.07	5.91	6.17	7.44	9.78
Selling, General & Administrative	1.59	1.59	3.2	2.34	3.96	4.18
Other Non-Interest Expense	13.3	13.74	14.83	13.58	17.18	25.1
Total Non-Interest Expense	38.44	39.75	44.08	42.5	55.5	70.55
EBT Excluding Unusual Items	-0.05	1.92	15.39	19.58	19.05	3.72
Asset Writedown	-	-	-	-	-0.69	-0.09
Legal Settlements	-	-	-	-	-0.2	-0.07
Pretax Income	-0.05	1.92	15.39	19.58	18.16	3.57
Income Tax Expense	-0.03	0.9	0.99	2.58	4.24	4.28
Earnings From Continuing Operations	-0.02	1.03	14.4	17	13.92	-0.71
Minority Interest in Earnings	-	-	-	-	-5.42	-5.11
Net Income	-0.02	1.03	14.4	17	8.5	-5.82
Net Income to Common	-0.02	1.03	14.4	17	8.5	-5.82
Net Income Growth	-	-92.88%	-15.29%	100.01%	-	-
Basic Shares Outstanding	115	113	113	113	103	91
Diluted Shares Outstanding	115	113	113	113	103	91
Shares Change (YoY)	2.06%	-	-	10.14%	13.26%	7.49%
EPS (Basic)	-0.00	0.01	0.13	0.15	0.08	-0.06
EPS (Diluted)	-0.00	0.01	0.13	0.15	0.08	-0.06
EPS Growth	-	-92.88%	-15.29%	81.59%	-	-
Dividend Per Share	-	-	0.050	0.050	-	-
Effective Tax Rate	-	46.70%	6.43%	13.18%	23.35%	120.01%

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