Concordia Financial Group Ltd
TSE:7186
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Income Statement
Income Statement
Concordia Financial Group Ltd
Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Net Interest Income |
157 517
|
157 706
|
156 222
|
157 148
|
155 288
|
153 835
|
151 402
|
153 942
|
158 491
|
163 693
|
172 263
|
177 521
|
177 184
|
187 354
|
189 841
|
184 720
|
183 381
|
172 746
|
166 646
|
163 576
|
162 681
|
158 889
|
155 732
|
154 947
|
154 452
|
153 910
|
158 557
|
160 299
|
161 962
|
166 224
|
166 714
|
169 273
|
170 381
|
167 317
|
167 814
|
169 854
|
175 873
|
179 961
|
186 711
|
189 288
|
193 012
|
|
Interest Income |
165 733
|
165 713
|
164 181
|
165 229
|
163 811
|
163 131
|
161 314
|
164 133
|
168 774
|
174 380
|
183 219
|
188 921
|
189 087
|
199 227
|
202 231
|
198 322
|
198 631
|
190 093
|
185 526
|
182 900
|
181 760
|
177 189
|
172 748
|
169 358
|
165 778
|
162 246
|
164 711
|
165 781
|
167 367
|
171 570
|
172 123
|
176 012
|
181 584
|
186 510
|
197 061
|
209 792
|
223 465
|
231 404
|
240 840
|
245 739
|
251 143
|
|
Interest Expense |
8 216
|
8 007
|
7 959
|
8 081
|
8 523
|
9 296
|
9 912
|
10 191
|
10 283
|
10 687
|
10 956
|
11 400
|
11 903
|
11 873
|
12 390
|
13 602
|
15 250
|
17 347
|
18 880
|
19 324
|
19 079
|
18 300
|
17 016
|
14 411
|
11 326
|
8 336
|
6 154
|
5 482
|
5 405
|
5 346
|
5 409
|
6 739
|
11 203
|
19 193
|
29 247
|
39 938
|
47 592
|
51 443
|
54 129
|
56 451
|
58 131
|
|
Non Interest Income |
133 305
|
141 196
|
150 751
|
161 875
|
172 390
|
165 825
|
158 212
|
225 476
|
216 459
|
215 133
|
201 068
|
137 889
|
132 790
|
130 606
|
123 533
|
123 322
|
122 817
|
122 634
|
119 052
|
123 592
|
126 311
|
127 227
|
131 518
|
130 375
|
127 085
|
126 523
|
125 379
|
133 581
|
130 176
|
125 934
|
113 725
|
106 716
|
108 070
|
113 245
|
116 489
|
134 534
|
136 367
|
133 263
|
132 026
|
120 939
|
119 777
|
|
Revenue |
290 822
N/A
|
298 902
+3%
|
306 973
+3%
|
319 023
+4%
|
327 678
+3%
|
319 660
-2%
|
309 614
-3%
|
379 418
+23%
|
374 950
-1%
|
378 826
+1%
|
373 331
-1%
|
315 410
-16%
|
309 974
-2%
|
317 960
+3%
|
313 374
-1%
|
308 042
-2%
|
306 198
-1%
|
295 380
-4%
|
285 698
-3%
|
287 168
+1%
|
288 992
+1%
|
286 116
-1%
|
287 250
+0%
|
285 322
-1%
|
281 537
-1%
|
280 433
0%
|
283 936
+1%
|
293 880
+4%
|
292 138
-1%
|
292 158
+0%
|
280 439
-4%
|
275 989
-2%
|
278 451
+1%
|
280 562
+1%
|
284 303
+1%
|
304 388
+7%
|
312 240
+3%
|
313 224
+0%
|
318 737
+2%
|
310 227
-3%
|
312 789
+1%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Loan Loss Provision |
(6 771)
|
0
|
(3 010)
|
0
|
0
|
0
|
2 597
|
0
|
0
|
0
|
5 883
|
0
|
0
|
0
|
(1 551)
|
0
|
0
|
0
|
(8 905)
|
0
|
0
|
0
|
(24 761)
|
(3 183)
|
(6 060)
|
(8 808)
|
(29 856)
|
0
|
0
|
(23 835)
|
(8 102)
|
(942)
|
0
|
(1 014)
|
(13 094)
|
(9 236)
|
(10 178)
|
(10 944)
|
(10 193)
|
0
|
0
|
|
Non Interest Expense |
(174 544)
|
(178 817)
|
(185 277)
|
(196 613)
|
(204 030)
|
(203 257)
|
(198 268)
|
(209 879)
|
(216 057)
|
(220 690)
|
(222 689)
|
(214 165)
|
(209 366)
|
(216 057)
|
(214 521)
|
(217 028)
|
(214 169)
|
(204 305)
|
(197 479)
|
(208 136)
|
(211 703)
|
(214 324)
|
(193 848)
|
(218 068)
|
(215 198)
|
(210 583)
|
(217 765)
|
(216 720)
|
(213 315)
|
(211 445)
|
(193 753)
|
(200 231)
|
(207 721)
|
(207 537)
|
(190 676)
|
(217 301)
|
(216 194)
|
(216 631)
|
(217 152)
|
(201 438)
|
(199 096)
|
|
Pre-Tax Income |
109 507
N/A
|
114 733
+5%
|
118 686
+3%
|
122 410
+3%
|
123 648
+1%
|
116 403
-6%
|
113 943
-2%
|
169 539
+49%
|
158 893
-6%
|
158 136
0%
|
156 525
-1%
|
101 245
-35%
|
100 608
-1%
|
101 903
+1%
|
97 302
-5%
|
91 014
-6%
|
92 029
+1%
|
91 075
-1%
|
79 314
-13%
|
77 592
-2%
|
75 849
-2%
|
70 352
-7%
|
68 641
-2%
|
64 071
-7%
|
60 279
-6%
|
61 042
+1%
|
36 315
-41%
|
48 744
+34%
|
53 284
+9%
|
56 878
+7%
|
78 584
+38%
|
74 816
-5%
|
69 788
-7%
|
72 011
+3%
|
80 533
+12%
|
77 851
-3%
|
85 868
+10%
|
85 649
0%
|
91 392
+7%
|
101 643
+11%
|
107 489
+6%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(40 329)
|
(41 633)
|
(39 362)
|
(39 851)
|
(39 922)
|
(37 169)
|
(37 702)
|
(35 937)
|
(31 261)
|
(30 625)
|
(29 089)
|
(30 802)
|
(31 537)
|
(31 963)
|
(30 335)
|
(28 384)
|
(28 492)
|
(28 184)
|
(24 847)
|
(23 363)
|
(22 682)
|
(21 513)
|
(21 834)
|
(20 862)
|
(19 723)
|
(19 438)
|
(10 303)
|
(13 333)
|
(15 013)
|
(16 470)
|
(24 238)
|
(23 996)
|
(22 179)
|
(22 322)
|
(24 327)
|
(18 579)
|
(21 142)
|
(21 197)
|
(24 208)
|
(32 124)
|
(33 805)
|
|
Income from Continuing Operations |
69 178
|
73 100
|
79 324
|
82 559
|
83 726
|
79 234
|
76 241
|
133 602
|
127 632
|
127 511
|
127 436
|
70 443
|
69 071
|
69 940
|
66 967
|
62 630
|
63 537
|
62 891
|
54 467
|
54 229
|
53 167
|
48 839
|
46 807
|
43 209
|
40 556
|
41 604
|
26 012
|
35 411
|
38 271
|
40 408
|
54 346
|
50 820
|
47 609
|
49 689
|
56 206
|
59 272
|
64 726
|
64 452
|
67 184
|
69 519
|
73 684
|
|
Income to Minority Interest |
(4 470)
|
(4 574)
|
(2 999)
|
(2 807)
|
(1 530)
|
(998)
|
(1 666)
|
(1 534)
|
(1 204)
|
(953)
|
(779)
|
(530)
|
(553)
|
(560)
|
(552)
|
(533)
|
(493)
|
(306)
|
(181)
|
(132)
|
(84)
|
(203)
|
(271)
|
(275)
|
(375)
|
(442)
|
(685)
|
(791)
|
(799)
|
(767)
|
(464)
|
(343)
|
(250)
|
(70)
|
(45)
|
(61)
|
(87)
|
(154)
|
(251)
|
(288)
|
(282)
|
|
Net Income (Common) |
64 706
N/A
|
68 525
+6%
|
76 324
+11%
|
79 751
+4%
|
82 195
+3%
|
78 236
-5%
|
74 574
-5%
|
132 067
+77%
|
126 427
-4%
|
126 557
+0%
|
126 656
+0%
|
69 912
-45%
|
68 516
-2%
|
69 379
+1%
|
66 413
-4%
|
62 094
-7%
|
63 042
+2%
|
62 583
-1%
|
54 285
-13%
|
54 096
0%
|
53 083
-2%
|
48 635
-8%
|
46 536
-4%
|
42 936
-8%
|
40 181
-6%
|
41 162
+2%
|
25 326
-38%
|
34 618
+37%
|
37 471
+8%
|
39 640
+6%
|
53 881
+36%
|
50 475
-6%
|
47 357
-6%
|
49 618
+5%
|
56 159
+13%
|
59 209
+5%
|
64 638
+9%
|
64 295
-1%
|
66 931
+4%
|
69 231
+3%
|
73 399
+6%
|
|
EPS (Diluted) |
51.19
N/A
|
54.42
+6%
|
60.49
+11%
|
64.36
+6%
|
66.39
+3%
|
64.12
-3%
|
60.77
-5%
|
101.51
+67%
|
97.55
-4%
|
98.33
+1%
|
98.03
0%
|
54.66
-44%
|
53.73
-2%
|
54.88
+2%
|
52.33
-5%
|
49.51
-5%
|
50.27
+2%
|
50.06
0%
|
43.45
-13%
|
44.01
+1%
|
43.9
0%
|
40.32
-8%
|
38.37
-5%
|
35.6
-7%
|
33.3
-6%
|
34.13
+2%
|
20.99
-38%
|
28.69
+37%
|
31.06
+8%
|
32.85
+6%
|
44.67
+36%
|
42.42
-5%
|
39.96
-6%
|
41.88
+5%
|
47.39
+13%
|
50.42
+6%
|
55.04
+9%
|
54.91
0%
|
57.16
+4%
|
59.46
+4%
|
63.04
+6%
|