Scotiabank Trinidad and Tobago Limited (TTSE:SBTT)

TTSE:SBTT Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct 31, 2025	Oct 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021
Interest Income on Loans	1,740	1,589	1,431	1,262	1,241
Interest Paid on Deposits	138.02	99.77	35.7	16.17	21.59
Net Interest Income	1,602	1,489	1,396	1,246	1,219
Net Interest Income Growth (YoY)	7.60%	6.68%	11.99%	2.22%	-7.15%
Other Non-Interest Income	482.83	459.31	485.65	651.79	511.04
Total Non-Interest Income	482.83	459.31	485.65	651.79	511.04
Non-Interest Income Growth (YoY)	5.12%	-5.42%	-25.49%	27.54%	9.88%
Revenues Before Loan Losses	2,085	1,948	1,881	1,898	1,730
Provision for Loan Losses	144.27	100.91	105.89	110.07	108.52
Revenue	1,941	1,847	1,776	1,788	1,622
Revenue Growth (YoY)	5.05%	4.05%	-0.70%	10.25%	4.75%
Salaries and Employee Benefits	293.49	269.39	274.37	256.34	268.99
Occupancy Expenses	143.63	143.84	149.64	136.62	139.59
Selling, General & Administrative	118.25	130.81	110.33	95.09	40.09
Other Non-Interest Expense	328.84	302.71	242.07	249.37	253.32
Total Non-Interest Expense	884.21	846.76	776.41	737.42	701.99
EBT Excluding Unusual Items	1,056	1,001	999.1	1,051	919.7
Pretax Income	1,056	1,001	999.1	1,051	919.7
Income Tax Expense	360.26	342.11	343.78	366.81	316.18
Net Income	696.16	658.49	655.32	683.75	603.53
Net Income to Common	696.16	658.49	655.32	683.75	603.53
Net Income Growth	5.72%	0.48%	-4.16%	13.29%	15.88%
Basic Shares Outstanding	176	176	176	176	176
Diluted Shares Outstanding	176	176	176	176	176
EPS (Basic)	3.95	3.73	3.72	3.88	3.42
EPS (Diluted)	3.95	3.73	3.72	3.88	3.42
EPS Growth	5.72%	0.48%	-4.16%	13.29%	15.88%
Dividend Per Share	3.000	2.850	2.800	2.950	2.650
Dividend Growth	5.26%	1.79%	-5.08%	11.32%	17.78%
Effective Tax Rate	34.10%	34.19%	34.41%	34.92%	34.38%

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