ANSA Merchant Bank Limited (TTSE:AMBL)

ANSA Merchant Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	1,164	1,152	1,046	716.03	427.46	418.2
Total Interest & Dividend Income	337.44	337.44	326.42	282.35	380.27	357.45
Gain (Loss) on Sale of Investments	61.7	61.7	83.67	-188.49	188.24	-35.88
Other Revenue	92.47	92.47	93.54	117.62	118.06	120.28
Total Revenue	1,684	1,643	1,549	927.51	1,114	860.05
Revenue Growth (YoY)	19.84%	6.06%	67.06%	-16.74%	29.53%	-19.14%
Policy Benefits	1,060	1,060	995.35	719.49	361.02	314.84
Depreciation & Amortization	60.23	60.23	54.01	37.71	43.37	41.61
Selling, General & Administrative	144.55	144.55	121.9	79.81	162.53	130.18
Total Operating Expenses	1,403	1,414	1,286	903.47	722.97	618.34
Operating Income	281.16	229.62	263.35	24.04	391.06	241.71
Interest Expense	-118.72	-118.72	-108.62	-74.61	-76.7	-86.99
Currency Exchange Gain (Loss)	72.79	72.79	46.2	34.73	49.21	50.03
Other Non Operating Income (Expenses)	1.24	1.24	-0.25	-0.38	-3.39	-
Pretax Income	236.47	184.93	200.67	-16.21	360.18	204.75
Income Tax Expense	40.54	22.68	71.37	29.13	53.86	42.74
Earnings From Continuing Ops.	195.92	162.25	129.29	-45.34	306.32	162.01
Minority Interest in Earnings	-0.02	0.02	0.02	0.07	-0.1	-0
Net Income	195.91	162.27	129.31	-45.27	306.22	162.01
Net Income to Common	195.91	162.27	129.31	-45.27	306.22	162.01
Net Income Growth	28.32%	25.49%	-	-	89.01%	-41.64%
Shares Outstanding (Basic)	86	86	86	86	86	86
Shares Outstanding (Diluted)	86	86	86	86	86	86
EPS (Basic)	2.29	1.90	1.51	-0.53	3.58	1.89
EPS (Diluted)	2.29	1.90	1.51	-0.53	3.58	1.89
EPS Growth	28.32%	25.49%	-	-	89.01%	-41.64%
Free Cash Flow	269.84	177.5	-221.06	-45.19	672.36	10.69
Free Cash Flow Per Share	3.15	2.07	-2.58	-0.53	7.85	0.13
Dividend Per Share	1.200	1.200	1.200	1.200	1.200	0.750
Dividend Growth	-14.29%	-	-	-	60.00%	275.00%
Operating Margin	16.70%	13.97%	17.00%	2.59%	35.10%	28.10%
Profit Margin	11.63%	9.87%	8.34%	-4.88%	27.49%	18.84%
Free Cash Flow Margin	16.02%	10.80%	-14.27%	-4.87%	60.35%	1.24%
EBITDA	267.75	265.79	305.15	51.44	421.11	277
EBITDA Margin	15.90%	16.17%	19.69%	5.55%	37.80%	32.21%
D&A For EBITDA	-13.41	36.17	41.8	27.4	30.04	35.28
EBIT	281.16	229.62	263.35	24.04	391.06	241.71
EBIT Margin	16.70%	13.97%	17.00%	2.59%	35.10%	28.10%
Effective Tax Rate	17.14%	12.26%	35.57%	-	14.95%	20.87%
Revenue as Reported	-	-	-	-	1,156	903.7

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