
Bendigo and Adelaide Bank Ltd
ASX:BEN

Income Statement
Income Statement
Bendigo and Adelaide Bank Ltd
Dec-2004 | Jun-2005 | Dec-2005 | Jun-2006 | Dec-2006 | Jun-2007 | Dec-2007 | Jun-2008 | Dec-2008 | Jun-2009 | Dec-2009 | Jun-2010 | Dec-2010 | Jun-2011 | Dec-2011 | Jun-2012 | Dec-2012 | Jun-2013 | Dec-2013 | Jun-2014 | Dec-2014 | Jun-2015 | Dec-2015 | Jun-2016 | Dec-2016 | Jun-2017 | Dec-2017 | Jun-2018 | Dec-2018 | Jun-2019 | Dec-2019 | Jun-2020 | Dec-2020 | Jun-2021 | Dec-2021 | Jun-2022 | Dec-2022 | Jun-2023 | Dec-2023 | Jun-2024 | Dec-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Net Interest Income |
272
|
286
|
301
|
315
|
337
|
357
|
402
|
598
|
701
|
635
|
717
|
855
|
908
|
935
|
949
|
950
|
983
|
1 028
|
1 072
|
1 118
|
1 167
|
1 178
|
1 160
|
1 164
|
1 177
|
1 214
|
1 275
|
1 305
|
1 295
|
1 286
|
1 308
|
1 334
|
1 370
|
1 423
|
1 443
|
1 417
|
1 501
|
1 641
|
1 628
|
1 636
|
1 657
|
|
Interest Income |
725
|
815
|
871
|
908
|
973
|
1 059
|
1 346
|
2 696
|
3 791
|
3 155
|
2 525
|
2 712
|
3 115
|
3 386
|
3 473
|
3 441
|
3 261
|
3 141
|
3 044
|
2 928
|
2 961
|
2 939
|
2 780
|
2 683
|
2 658
|
2 646
|
2 658
|
2 660
|
2 658
|
2 640
|
2 502
|
2 270
|
2 033
|
1 867
|
1 778
|
1 749
|
2 371
|
3 407
|
4 228
|
4 739
|
4 924
|
|
Interest Expense |
453
|
529
|
570
|
592
|
636
|
702
|
944
|
2 098
|
3 091
|
2 520
|
1 808
|
1 858
|
2 207
|
2 451
|
2 524
|
2 491
|
2 279
|
2 113
|
1 973
|
1 810
|
1 794
|
1 761
|
1 620
|
1 519
|
1 481
|
1 432
|
1 382
|
1 354
|
1 363
|
1 354
|
1 193
|
936
|
662
|
445
|
336
|
332
|
870
|
1 766
|
2 600
|
3 103
|
3 267
|
|
Non Interest Income |
166
|
173
|
183
|
202
|
210
|
199
|
217
|
272
|
322
|
239
|
224
|
280
|
287
|
316
|
284
|
263
|
308
|
324
|
312
|
324
|
350
|
366
|
381
|
391
|
390
|
396
|
382
|
338
|
296
|
306
|
303
|
301
|
320
|
383
|
444
|
294
|
244
|
280
|
415
|
397
|
300
|
|
Revenue |
438
N/A
|
459
+5%
|
484
+5%
|
517
+7%
|
547
+6%
|
556
+2%
|
620
+11%
|
870
+40%
|
1 023
+18%
|
874
-15%
|
941
+8%
|
1 135
+21%
|
1 195
+5%
|
1 251
+5%
|
1 233
-2%
|
1 213
-2%
|
1 291
+6%
|
1 352
+5%
|
1 383
+2%
|
1 442
+4%
|
1 517
+5%
|
1 543
+2%
|
1 541
0%
|
1 555
+1%
|
1 567
+1%
|
1 610
+3%
|
1 657
+3%
|
1 644
-1%
|
1 591
-3%
|
1 592
+0%
|
1 612
+1%
|
1 634
+1%
|
1 690
+3%
|
1 805
+7%
|
1 887
+5%
|
1 711
-9%
|
1 744
+2%
|
1 920
+10%
|
2 043
+6%
|
2 033
0%
|
1 957
-4%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Loan Loss Provision |
(16)
|
(14)
|
(7)
|
(7)
|
(5)
|
(8)
|
(13)
|
(23)
|
(81)
|
(80)
|
(35)
|
(45)
|
(46)
|
(44)
|
(42)
|
(32)
|
(49)
|
(70)
|
(81)
|
(82)
|
(69)
|
(68)
|
(59)
|
(44)
|
(63)
|
(72)
|
(78)
|
(71)
|
(50)
|
(50)
|
(48)
|
(169)
|
(165)
|
(18)
|
19
|
27
|
4
|
(34)
|
(39)
|
(10)
|
11
|
|
Non Interest Expense |
(295)
|
(310)
|
(329)
|
(344)
|
(371)
|
(370)
|
(389)
|
(561)
|
(706)
|
(674)
|
(694)
|
(740)
|
(748)
|
(783)
|
(856)
|
(854)
|
(785)
|
(794)
|
(806)
|
(824)
|
(870)
|
(885)
|
(889)
|
(904)
|
(900)
|
(909)
|
(916)
|
(938)
|
(949)
|
(989)
|
(1 096)
|
(1 180)
|
(1 104)
|
(1 034)
|
(1 042)
|
(1 036)
|
(1 141)
|
(1 162)
|
(1 230)
|
(1 226)
|
(1 273)
|
|
Pre-Tax Income |
127
N/A
|
136
+7%
|
148
+9%
|
166
+12%
|
171
+3%
|
178
+4%
|
218
+23%
|
286
+31%
|
235
-18%
|
119
-49%
|
212
+77%
|
351
+66%
|
401
+14%
|
425
+6%
|
335
-21%
|
326
-3%
|
458
+40%
|
488
+7%
|
496
+2%
|
537
+8%
|
578
+8%
|
590
+2%
|
593
+1%
|
607
+2%
|
604
-1%
|
628
+4%
|
663
+5%
|
635
-4%
|
592
-7%
|
552
-7%
|
467
-15%
|
286
-39%
|
422
+47%
|
754
+79%
|
864
+15%
|
701
-19%
|
607
-13%
|
725
+19%
|
774
+7%
|
797
+3%
|
695
-13%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(37)
|
(41)
|
(45)
|
(49)
|
(54)
|
(56)
|
(67)
|
(87)
|
(69)
|
(36)
|
(69)
|
(91)
|
(72)
|
(78)
|
(109)
|
(131)
|
(131)
|
(135)
|
(153)
|
(164)
|
(159)
|
(166)
|
(187)
|
(191)
|
(188)
|
(199)
|
(210)
|
(200)
|
(186)
|
(175)
|
(148)
|
(93)
|
(131)
|
(230)
|
(263)
|
(213)
|
(191)
|
(228)
|
(244)
|
(252)
|
(216)
|
|
Income from Continuing Operations |
90
|
94
|
103
|
117
|
118
|
122
|
151
|
199
|
166
|
84
|
142
|
260
|
329
|
347
|
226
|
195
|
327
|
352
|
344
|
372
|
419
|
424
|
405
|
416
|
416
|
430
|
452
|
435
|
406
|
377
|
319
|
193
|
291
|
524
|
601
|
488
|
416
|
497
|
530
|
545
|
480
|
|
Income to Minority Interest |
1
|
0
|
0
|
0
|
0
|
0
|
(1)
|
(1)
|
0
|
0
|
(5)
|
(17)
|
(17)
|
(5)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Net Income (Common) |
90
N/A
|
95
+5%
|
102
+7%
|
123
+21%
|
123
N/A
|
117
-5%
|
145
+24%
|
189
+30%
|
154
-19%
|
74
-52%
|
130
+76%
|
235
+81%
|
304
+29%
|
333
+10%
|
217
-35%
|
187
-14%
|
319
+71%
|
346
+8%
|
338
-2%
|
367
+9%
|
414
+13%
|
420
+2%
|
404
-4%
|
416
+3%
|
416
+0%
|
430
+3%
|
452
+5%
|
435
-4%
|
406
-7%
|
377
-7%
|
319
-15%
|
193
-40%
|
291
+51%
|
524
+80%
|
601
+15%
|
488
-19%
|
416
-15%
|
497
+20%
|
530
+7%
|
545
+3%
|
480
-12%
|
|
EPS (Diluted) |
0.65
N/A
|
0.67
+3%
|
0.72
+7%
|
0.8
+11%
|
0.81
+1%
|
0.76
-6%
|
0.83
+9%
|
0.87
+5%
|
0.54
-38%
|
0.26
-52%
|
0.33
+27%
|
0.58
+76%
|
0.76
+31%
|
0.83
+9%
|
0.58
-30%
|
0.4
-31%
|
0.7
+75%
|
0.77
+10%
|
0.74
-4%
|
0.79
+7%
|
0.82
+4%
|
0.83
+1%
|
0.75
-10%
|
0.76
+1%
|
0.75
-1%
|
0.78
+4%
|
0.81
+4%
|
0.76
-6%
|
0.7
-8%
|
0.65
-7%
|
0.55
-15%
|
0.31
-44%
|
0.43
+39%
|
0.79
+84%
|
0.92
+16%
|
0.75
-18%
|
0.62
-17%
|
0.75
+21%
|
0.79
+5%
|
0.82
+4%
|
0.74
-10%
|