EQB Inc. Income Statement

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	2,631	2,740	2,965	2,725	1,558	1,083
Interest Income on Investments	195.47	184.35	197.92	162.58	58.23	23.98
Total Interest Income	2,826	2,924	3,163	2,888	1,616	1,107
Interest Paid on Deposits	1,221	1,320	1,490	1,293	579	307.68
Interest Paid on Borrowings	475.95	510.52	599.37	588.74	303.83	217.03
Total Interest Expense	1,697	1,831	2,089	1,882	882.83	524.71
Net Interest Income	1,130	1,094	1,073	1,006	733.41	582.61
Net Interest Income Growth	4.06%	1.91%	6.68%	37.16%	25.88%	17.13%
Other Non-Interest Income	121.22	91.33	95.65	56.27	31.08	22.16
Total Non-Interest Income	187.81	168.11	182.28	164.86	48.78	60.3
Non-Interest Income Growth	9.33%	-7.77%	10.57%	237.96%	-19.10%	1.47%
Revenues Before Loan Losses	1,318	1,262	1,255	1,171	782.19	642.91
Provision for Loan Losses	442.01	137.43	107.01	46.63	37.26	-7.67
Revenue	875.56	1,124	1,148	1,124	744.93	650.58
Revenue Growth	-22.28%	-2.10%	2.16%	50.91%	14.50%	26.44%
Salaries and Employee Benefits	279.57	280.59	254.34	226.34	173.36	122.19
Selling, General & Administrative	278.79	205.36	168.34	26.51	25.38	22.46
Other Non-Interest Expense	262.12	244.24	171.42	268.84	177.73	115.53
Total Non-Interest Expense	820.47	730.18	594.1	521.69	376.47	260.18
EBT Excluding Unusual Items	55.09	394.19	554.33	602.48	368.46	390.41
Pretax Income	16.59	371.5	554.33	602.48	368.46	390.41
Income Tax Expense	17.76	104.89	152.66	156.57	98.28	97.88
Earnings From Continuing Operations	-1.17	266.61	401.67	445.91	270.18	292.53
Minority Interest in Earnings	-1.28	-1.31	-1.11	-	-	-
Net Income	-2.45	265.3	400.56	445.91	270.18	292.53
Preferred Dividends & Other Adjustments	8.82	8.82	10.73	8.4	5.57	4.41
Net Income to Common	-11.27	256.48	389.84	437.51	264.62	288.12
Net Income Growth	-	-34.21%	-10.90%	65.34%	-8.16%	31.36%
Basic Shares Outstanding	37	38	38	38	35	34
Diluted Shares Outstanding	37	39	39	38	35	34
Shares Change	-3.78%	0.02%	1.41%	8.51%	1.70%	1.65%
EPS (Basic)	-0.30	6.70	10.19	11.60	7.63	8.49
EPS (Diluted)	-0.31	6.65	10.11	11.51	7.55	8.36
EPS Growth	-	-34.22%	-12.15%	52.42%	-9.69%	29.21%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	2.320	2.080	1.740	1.320	1.210	0.740
Dividend Growth	16.00%	19.54%	31.82%	9.09%	63.51%	0%
Effective Tax Rate	107.05%	28.23%	27.54%	25.99%	26.67%	25.07%