CIBC Caribbean Bank Limited (TTSE:CIBC)

CIBC Caribbean Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan 31, 2026	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	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	549.71	539.68	540.93	511.92	379.31	363.27
Net Interest Income Growth (YoY)	1.16%	-0.23%	5.67%	34.96%	4.42%	-3.85%
Income From Trading Activities	-0.31	-0.31	-0.12	-1.23	-0.27	-1
Gain (Loss) on Sale of Assets	0.08	0.08	-0.31	-1.94	0	0.29
Gain (Loss) on Sale of Investments	-53.92	-53.92	0.03	-	0.26	-0.31
Other Non-Interest Income	222.58	222.58	205.73	204.77	197.73	181.09
Total Non-Interest Income	168.43	168.43	205.33	201.61	197.72	180.08
Non-Interest Income Growth (YoY)	-17.97%	-17.97%	1.85%	1.96%	9.80%	5.56%
Revenues Before Loan Losses	718.14	708.11	746.26	713.53	577.03	543.34
Provision for Loan Losses	43.76	47.67	2.67	11.18	10.13	17.05
Revenue	674.39	660.43	743.59	702.34	566.9	526.29
Revenue Growth (YoY)	-6.64%	-11.18%	5.87%	23.89%	7.72%	32.06%
Salaries and Employee Benefits	200.17	200.17	196.42	188.63	174.65	181.49
Occupancy Expenses	99.87	99.87	88.94	79.8	85.34	78.44
Selling, General & Administrative	69.09	69.09	69.01	63.23	53.38	48.59
Other Non-Interest Expense	101.34	92.93	83.04	73.68	62.2	61.89
Total Non-Interest Expense	472.18	463.77	439.14	406.84	377.02	371.89
EBT Excluding Unusual Items	202.2	196.67	304.46	295.5	189.89	154.4
Pretax Income	198.35	192.81	302.29	289.78	188.93	140.72
Income Tax Expense	49.23	35.95	26.57	29.02	23.02	12.16
Earnings From Continuing Operations	149.12	156.86	275.72	260.76	165.91	128.56
Earnings From Discontinued Operations	5.13	2.85	1.8	9.15	10.48	-2.84
Minority Interest in Earnings	-5.13	-5.32	-6.52	-5.85	-3.36	-3.93
Net Income	149.11	154.39	270.99	264.06	173.04	121.79
Net Income to Common	149.11	154.39	270.99	264.06	173.04	121.79
Net Income Growth	-38.57%	-43.03%	2.63%	52.60%	42.08%	-
Basic Shares Outstanding	1,573	1,577	1,577	1,577	1,577	1,577
Diluted Shares Outstanding	1,573	1,577	1,577	1,577	1,577	1,577
EPS (Basic)	0.09	0.10	0.17	0.17	0.11	0.08
EPS (Diluted)	0.09	0.10	0.17	0.17	0.11	0.08
EPS Growth	-38.32%	-43.03%	2.63%	52.60%	42.08%	-
Dividend Per Share	0.050	0.050	0.050	0.050	0.040	0.020
Dividend Growth	-	-	-	25.00%	100.00%	-46.67%
Effective Tax Rate	24.82%	18.64%	8.79%	10.01%	12.19%	8.64%

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