IBF Financial Holdings Income Statement

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

Millions TWD. 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 and Dividend Income	7,679	7,242	5,951	4,364	3,435
Total Interest Expense	5,715	5,808	4,678	2,213	745.97
Net Interest Income	1,964	1,434	1,273	2,151	2,689
Gain on Sale of Investments (Rev)	520.35	490	224.88	49.95	617.78
Other Revenue	6,133	6,215	5,604	3,667	6,836
Revenue Before Loan Losses	8,618	8,139	7,102	5,868	10,143
Provision for Loan Losses	457.55	172.97	57.14	-45.95	151.09
Revenue	8,161	7,966	7,045	5,914	9,992
Revenue Growth (YoY)	2.44%	13.08%	19.12%	-40.81%	18.61%
Salaries & Employee Benefits	2,983	3,030	2,577	2,428	3,298
Cost of Services Provided	1,269	1,247	1,048	653.07	684.43
Other Operating Expenses	0.09	-1.88	-7.65	272.19	291.79
Total Operating Expenses	4,545	4,553	3,878	3,610	4,489
Operating Income	3,615	3,413	3,167	2,304	5,503
Currency Exchange Gains	-29.16	82.87	5.53	-55.87	-27.31
EBT Excluding Unusual Items	3,586	3,496	3,173	2,248	5,476
Legal Settlements	-	-14.72	-	-	-
Gain (Loss) on Sale of Investments	-3.88	-1.72	-19.77	3.3	19.16
Pretax Income	3,582	3,479	3,152	2,251	5,496
Income Tax Expense	712.82	676.91	665.02	597.1	890.71
Earnings From Continuing Ops.	2,869	2,802	2,487	1,654	4,605
Minority Interest in Earnings	-573.83	-631.24	-486.72	-366.34	-721.19
Net Income	2,296	2,171	2,000	1,288	3,884
Net Income to Common	2,296	2,171	2,000	1,288	3,884
Net Income Growth	5.73%	8.54%	55.30%	-66.84%	19.57%
Shares Outstanding (Basic)	3,634	3,634	3,634	3,336	3,306
Shares Outstanding (Diluted)	3,634	3,634	3,634	3,336	3,306
Shares Change (YoY)	-	-	8.91%	0.91%	-0.10%
EPS (Basic)	0.63	0.60	0.55	0.39	1.17
EPS (Diluted)	0.63	0.60	0.55	0.39	1.17
EPS Growth	5.73%	8.54%	42.60%	-67.14%	19.70%
Free Cash Flow	-6,409	1,653	-9,580	8,378	-7,275
Free Cash Flow Per Share	-1.76	0.46	-2.64	2.51	-2.20
Dividend Per Share	0.500	0.300	0.693	-	0.587
Dividend Growth	66.67%	-56.68%	-	-	3.51%
Operating Margin	44.30%	42.84%	44.96%	38.96%	55.07%
Profit Margin	28.13%	27.25%	28.39%	21.78%	38.87%
Free Cash Flow Margin	-78.54%	20.75%	-135.99%	141.67%	-72.81%
Effective Tax Rate	19.90%	19.45%	21.10%	26.52%	16.21%

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