IBF Financial Holdings Income Statement

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

Millions TWD. 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 and Dividend Income	7,602	7,242	5,951	4,364	3,435	3,499
Total Interest Expense	5,808	5,808	4,678	2,213	745.97	1,222
Net Interest Income	1,794	1,434	1,273	2,151	2,689	2,277
Gain on Sale of Investments (Rev)	494.22	490	224.88	49.95	617.78	1,170
Other Revenue	5,809	6,215	5,604	3,667	6,836	5,069
Revenue Before Loan Losses	8,097	8,139	7,102	5,868	10,143	8,517
Provision for Loan Losses	294.06	172.97	57.14	-45.95	151.09	93
Revenue	7,803	7,966	7,045	5,914	9,992	8,424
Revenue Growth (YoY)	0.17%	13.08%	19.12%	-40.81%	18.61%	25.50%
Salaries & Employee Benefits	2,809	3,030	2,577	2,428	3,298	2,682
Cost of Services Provided	816.12	786.03	700.15	653.07	684.43	595.8
Other Operating Expenses	412.52	459.44	339.95	272.19	291.79	250.07
Total Operating Expenses	4,329	4,553	3,878	3,610	4,489	3,734
Operating Income	3,475	3,413	3,167	2,304	5,503	4,690
Currency Exchange Gains	-33.57	82.87	5.53	-55.87	-27.31	49.37
EBT Excluding Unusual Items	3,441	3,496	3,173	2,248	5,476	4,739
Asset Writedown	-	-	-	-	-	3.82
Legal Settlements	-14.72	-14.72	-	-	-	-
Gain (Loss) on Sale of Investments	-5.61	-1.72	-19.77	3.3	19.16	-
Pretax Income	3,421	3,479	3,152	2,251	5,496	4,743
Income Tax Expense	773.8	676.91	665.02	597.1	890.71	1,008
Earnings From Continuing Ops.	2,647	2,802	2,487	1,654	4,605	3,735
Minority Interest in Earnings	-461.58	-631.24	-486.72	-366.34	-721.19	-486.83
Net Income	2,185	2,171	2,000	1,288	3,884	3,248
Net Income to Common	2,185	2,171	2,000	1,288	3,884	3,248
Net Income Growth	4.12%	8.54%	55.30%	-66.84%	19.57%	23.51%
Shares Outstanding (Basic)	3,634	3,634	3,634	3,336	3,306	3,310
Shares Outstanding (Diluted)	3,634	3,634	3,634	3,336	3,306	3,310
Shares Change (YoY)	-	-	8.91%	0.91%	-0.10%	-0.10%
EPS (Basic)	0.60	0.60	0.55	0.39	1.17	0.98
EPS (Diluted)	0.60	0.60	0.55	0.39	1.17	0.98
EPS Growth	4.12%	8.54%	42.60%	-67.14%	19.70%	23.64%
Free Cash Flow	21,546	1,653	-9,580	8,378	-7,275	-4,129
Free Cash Flow Per Share	5.93	0.46	-2.64	2.51	-2.20	-1.25
Dividend Per Share	0.292	0.292	0.693	-	0.587	0.567
Dividend Growth	-57.90%	-57.90%	-	-	3.51%	1.69%
Operating Margin	44.53%	42.84%	44.96%	38.96%	55.07%	55.67%
Profit Margin	28.01%	27.25%	28.39%	21.78%	38.87%	38.56%
Free Cash Flow Margin	276.11%	20.75%	-135.99%	141.67%	-72.81%	-49.02%
Effective Tax Rate	22.62%	19.45%	21.10%	26.52%	16.21%	21.25%

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