AI Income Statement

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

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Interest and Dividend Income	100.51	97.94	77.86	63.54	64.36	66.1	Upgrade
Total Interest Expense	27.16	25.42	19.18	12.19	13.32	16.94	Upgrade
Net Interest Income	73.35	72.52	58.68	51.35	51.04	49.16	Upgrade
Other Revenue	0.04	0.63	0.51	0.7	0.66	0.08	Upgrade
Revenue Before Loan Losses	73.38	73.15	59.19	52.05	51.7	49.24	Upgrade
Provision for Loan Losses	16.22	11.4	0.86	1.29	3.76	1.49	Upgrade
Revenue	57.16	61.75	58.32	50.76	47.94	47.75	Upgrade
Revenue Growth (YoY)	-9.32%	5.88%	14.90%	5.88%	0.41%	15.28%	Upgrade
Salaries & Employee Benefits	-0.09	0.15	0.13	0.11	0.12	0.12	Upgrade
Cost of Services Provided	9.68	9.45	9.45	8.28	8.09	7.76	Upgrade
Other Operating Expenses	0.17	0.5	0.54	0.35	0.31	0.29	Upgrade
Total Operating Expenses	10.04	10.3	10.32	8.94	8.71	8.37	Upgrade
Operating Income	47.13	51.46	48	41.83	39.23	39.37	Upgrade
EBT Excluding Unusual Items	47.03	51.49	48.16	41.79	39.19	39.37	Upgrade
Pretax Income	47.03	51.49	46.33	41.79	39.19	38.57	Upgrade
Net Income	47.03	51.49	46.33	41.79	39.19	38.57	Upgrade
Net Income to Common	47.03	51.49	46.33	41.79	39.19	38.57	Upgrade
Net Income Growth	-11.04%	11.12%	10.86%	6.65%	1.61%	14.21%	Upgrade
Shares Outstanding (Basic)	44	44	43	43	42	40	Upgrade
Shares Outstanding (Diluted)	47	54	53	50	52	51	Upgrade
Shares Change (YoY)	-12.81%	2.18%	5.61%	-3.12%	1.91%	10.60%	Upgrade
EPS (Basic)	1.06	1.18	1.08	0.98	0.93	0.97	Upgrade
EPS (Diluted)	1.06	1.14	1.06	0.98	0.93	0.96	Upgrade
EPS Growth	-9.92%	7.86%	8.40%	5.63%	-3.79%	2.28%	Upgrade
Free Cash Flow	83.73	77.32	58.07	67.89	56.41	48.02	Upgrade
Free Cash Flow Per Share	1.78	1.43	1.10	1.36	1.09	0.95	Upgrade
Dividend Per Share	0.225	0.900	0.900	0.900	0.900	0.900	Upgrade
Dividend Growth	-75.00%	0%	0%	0%	0%	0%	Upgrade
Operating Margin	82.44%	83.33%	82.31%	82.40%	81.83%	82.47%	Upgrade
Profit Margin	82.27%	83.38%	79.44%	82.33%	81.74%	80.78%	Upgrade
Free Cash Flow Margin	146.47%	125.21%	99.57%	133.73%	117.66%	100.56%	Upgrade
Revenue as Reported	100.54	98.57	78.37	64.24	65.02	66.17	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.