dfcu Limited Income Statement

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

Millions UGX. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	222,179	359,868	346,824	339,058	347,311
Interest Income on Investments	189,817	1,698	2,840	4,306	7,488
Total Interest Income	411,996	361,566	349,664	343,364	354,799
Interest Paid on Deposits	83,049	94,269	91,978	74,577	81,509
Interest Paid on Borrowings	24,333	-	-	-	-
Total Interest Expense	107,382	94,269	91,978	74,577	81,509
Net Interest Income	304,614	267,297	257,686	268,787	273,290
Net Interest Income Growth (YoY)	13.96%	3.73%	-4.13%	-1.65%	17.10%
Income From Trading Activities	-	24,901	19,823	24,980	30,835
Gain (Loss) on Sale of Investments	-	-716	-3,381	-4,930	-30,861
Other Non-Interest Income	117,297	68,438	79,667	63,146	64,502
Total Non-Interest Income	117,297	92,623	96,109	83,196	64,476
Non-Interest Income Growth (YoY)	26.64%	-3.63%	15.52%	29.03%	216.56%
Revenues Before Loan Losses	421,911	359,920	353,795	351,983	337,766
Provision for Loan Losses	9,951	-12,007	82,714	88,190	148,358
Revenue	411,960	371,927	271,081	263,793	189,408
Revenue Growth (YoY)	10.76%	37.20%	2.76%	39.27%	-15.11%
Salaries and Employee Benefits	-	-	-	69,232	55,701
Occupancy Expenses	-	-	-	26,431	30,952
Amortization of Goodwill & Intangibles	-	-	-	9,128	12,026
Selling, General & Administrative	-	12,431	9,018	83,809	51,839
Other Non-Interest Expense	332,084	280,233	238,985	39,841	33,005
Total Non-Interest Expense	332,084	292,664	248,003	228,441	183,523
EBT Excluding Unusual Items	79,876	79,263	23,078	35,352	5,885
Pretax Income	79,876	79,263	23,078	35,352	5,885
Income Tax Expense	4,882	7,176	-5,642	5,876	-3,427
Net Income	74,994	72,087	28,720	29,476	9,312
Net Income to Common	74,994	72,087	28,720	29,476	9,312
Net Income Growth	4.03%	151.00%	-2.56%	216.54%	-61.32%
Basic Shares Outstanding	748	748	748	748	748
Diluted Shares Outstanding	748	748	748	748	748
EPS (Basic)	100.24	96.35	38.39	39.40	12.45
EPS (Diluted)	100.24	96.35	38.39	39.40	12.45
EPS Growth	4.04%	150.99%	-2.56%	216.54%	-61.32%
Dividend Per Share	21.810	20.090	9.100	8.190	-
Dividend Growth	8.56%	120.77%	11.11%	-	-
Effective Tax Rate	6.11%	9.05%	-	16.62%	-

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