CIBC Caribbean Bank Income Statement

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

Millions USD. Fiscal year is Nov - Oct.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Interest Income on Loans	638.51	621.15	566.24	408.82	399.96
Interest Paid on Deposits	98.83	80.23	54.33	29.51	36.69
Net Interest Income	539.68	540.93	511.92	379.31	363.27
Net Interest Income Growth (YoY)	-0.23%	5.67%	34.96%	4.42%	-3.85%
Income From Trading Activities	-0.31	-0.12	-1.23	-0.27	-1
Gain (Loss) on Sale of Assets	0.08	-0.31	-1.94	0	0.29
Gain (Loss) on Sale of Investments	-53.92	0.03	-	0.26	-0.31
Other Non-Interest Income	222.58	205.73	204.77	197.73	181.09
Total Non-Interest Income	168.43	205.33	201.61	197.72	180.08
Non-Interest Income Growth (YoY)	-17.97%	1.85%	1.96%	9.80%	5.56%
Revenues Before Loan Losses	708.11	746.26	713.53	577.03	543.34
Provision for Loan Losses	47.67	2.67	11.18	10.13	17.05
Revenue	660.43	743.59	702.34	566.9	526.29
Revenue Growth (YoY)	-11.18%	5.87%	23.89%	7.72%	32.06%
Salaries and Employee Benefits	200.17	196.42	188.63	174.65	181.49
Occupancy Expenses	99.87	88.94	79.8	85.34	78.44
Selling, General & Administrative	69.09	69.01	63.23	53.38	48.59
Other Non-Interest Expense	92.93	83.04	73.68	62.2	61.89
Total Non-Interest Expense	463.77	439.14	406.84	377.02	371.89
EBT Excluding Unusual Items	196.67	304.46	295.5	189.89	154.4
Pretax Income	192.81	302.29	289.78	188.93	140.72
Income Tax Expense	35.95	26.57	29.02	23.02	12.16
Earnings From Continuing Operations	156.86	275.72	260.76	165.91	128.56
Earnings From Discontinued Operations	2.85	1.8	9.15	10.48	-2.84
Minority Interest in Earnings	-5.32	-6.52	-5.85	-3.36	-3.93
Net Income	154.39	270.99	264.06	173.04	121.79
Net Income to Common	154.39	270.99	264.06	173.04	121.79
Net Income Growth	-43.03%	2.63%	52.60%	42.08%	-
Basic Shares Outstanding	1,577	1,577	1,577	1,577	1,577
Diluted Shares Outstanding	1,577	1,577	1,577	1,577	1,577
EPS (Basic)	0.10	0.17	0.17	0.11	0.08
EPS (Diluted)	0.10	0.17	0.17	0.11	0.08
EPS Growth	-43.03%	2.63%	52.60%	42.08%	-
Dividend Per Share	0.050	0.050	0.050	0.040	0.020
Dividend Growth	-	-	25.00%	100.00%	-46.67%
Effective Tax Rate	18.64%	8.79%	10.01%	12.19%	8.64%

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