LON:0IL0 Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
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	2020 - 2016
Interest and Dividend Income	158,723	150,470	139,449	120,000	101,027	Upgrade
Total Interest Expense	129,735	121,090	110,613	90,529	69,699	Upgrade
Net Interest Income	28,988	29,380	28,836	29,471	31,328	Upgrade
Commissions and Fees	356	321	275	312	361	Upgrade
Other Revenue	-210	1,108	944	1,026	-208	Upgrade
Revenue Before Loan Losses	29,134	30,809	30,055	30,809	31,481	Upgrade
Provision for Loan Losses	1,606	-186	-1,670	6,277	-5,130	Upgrade
Revenue	27,528	30,995	31,725	24,532	36,611	Upgrade
Revenue Growth (YoY)	-11.19%	-2.30%	29.32%	-32.99%	58.95%	Upgrade
Salaries & Employee Benefits	2,094	2,004	1,906	1,671	1,493	Upgrade
Cost of Services Provided	5,234	5,381	5,284	5,314	1,572	Upgrade
Other Operating Expenses	586	685	1,099	631	4,326	Upgrade
Total Operating Expenses	7,914	8,070	8,289	7,616	7,391	Upgrade
Operating Income	19,614	22,925	23,436	16,916	29,220	Upgrade
Currency Exchange Gain (Loss)	25	-15	32	-87	-26	Upgrade
Pretax Income	17,983	21,269	21,956	16,233	27,949	Upgrade
Income Tax Expense	3,619	4,291	4,548	3,310	5,773	Upgrade
Earnings From Continuing Ops.	14,364	16,978	17,408	12,923	22,176	Upgrade
Net Income	14,364	16,978	17,408	12,923	22,176	Upgrade
Preferred Dividends & Other Adjustments	14,355	16,975	17,405	12,920	22,098	Upgrade
Net Income to Common	9	3	3	3	78	Upgrade
Net Income Growth	-15.40%	-2.47%	34.71%	-41.73%	87.85%	Upgrade
Shares Outstanding (Basic)	5,867	5,867	5,867	5,867	5,867	Upgrade
Shares Outstanding (Diluted)	5,893	5,893	5,893	5,893	5,893	Upgrade
EPS (Basic)	0.00	0.00	0.00	0.00	0.01	Upgrade
EPS (Diluted)	0.00	0.00	0.00	0.00	0.01	Upgrade
EPS Growth	200.00%	-	-	-94.91%	292.93%	Upgrade
Operating Margin	71.25%	73.96%	73.87%	68.95%	79.81%	Upgrade
Profit Margin	0.03%	0.01%	0.01%	0.01%	0.21%	Upgrade
Effective Tax Rate	20.13%	20.18%	20.71%	20.39%	20.66%	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.