BANR
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 13.63 | 10.01 | 11.09 | 10.44 | 14.16 |
| Price to Sales | |||||
| Book Value Per Common Share | 154.42 | 144.36 | 127.52 | 146.52 | 141.75 |
| Price to Book | 0.43 | 0.37 | 0.50 | 0.41 | 0.33 |
| Price to Operating Cash Flow | 6.05 | 5.14 | 6.40 | 5.22 | 7.08 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 15.71 | 24.48 | 48.68 | 16.73 | 22.06 | 44.04 | 10.31 | 15.77 | 33.56 | 14.37 | 20.97 | 45.73 | 12.69 | 18.69 | 39.80 |
| Price to Sales | 60.20 | 86.90 | |||||||||||||
| Book Value Per Common Share | 55.38 | 53.97 | 53.13 | 52.05 | 49.09 | 48.40 | 44.29 | 44.96 | 44.73 | 41.10 | 43.31 | 45.59 | 48.02 | 47.89 | 46.29 |
| Price to Book | 1.18 | 1.19 | 1.20 | 1.14 | 1.01 | 0.99 | 0.96 | 0.97 | 1.22 | 1.44 | 1.30 | 1.28 | 1.15 | 1.13 | 1.15 |
| Price to Operating Cash Flow | 9.73 | 19.78 | 38.45 | 10.58 | 13.14 | 32.07 | 7.68 | 12.70 | 24.91 | 12.87 | 16.71 | 39.63 | 5.81 | 5.91 | 5.78 |
| Price to Free Cash Flow | |||||||||||||||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -8.41 | -6.14 | -1.89 | 76.60 | |
| Revenue YoY | |||||
| EBITDA YoY | |||||
| Net Profit YoY | -8.02 | -6.02 | -2.82 | 73.42 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 59.16 | 100.00 | 58.22 | 106.42 | 48.38 | 70.99 | 53.36 | 109.38 | 50.00 | 116.42 | |||||
| Revenue YoY | 51.60 | ||||||||||||||
| EBITDA YoY | |||||||||||||||
| Net Profit YoY | 59.03 | 100.80 | 58.37 | 105.95 | 48.19 | 71.26 | 53.38 | 109.10 | 49.27 | 116.06 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 31.31 | 17.98 | 43.55 | 153.19 | 74.44 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 0.72 | 4.02 | 4.64 | 4.19 | 3.76 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 19.48 | 13.98 | 12.81 | 13.89 | 7.19 | 6.09 | 7.33 | 8.20 | 27.34 | 74.21 | 94.50 | 142.18 | 152.70 | 110.05 | 47.18 |
| Quick Ratio | |||||||||||||||
| Current Ratio | |||||||||||||||
| Debt to Equity | 7.66 | 7.81 | 7.82 | 8.03 | 8.35 | 8.32 | 9.20 | 9.10 | 9.14 | 10.61 | 10.03 | 9.73 | 8.98 | 8.69 | 8.96 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.49 | 1.05 | 1.12 | 1.07 | 0.69 |
| ROE | 0.85 | 5.27 | 6.31 | 5.57 | 3.26 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.87 | 0.55 | 0.28 | 0.76 | 0.49 | 0.24 | 0.91 | 0.61 | 0.36 | 0.86 | 0.56 | 0.26 | 0.91 | 0.63 | 0.29 |
| ROE | 7.53 | 4.86 | 2.46 | 6.83 | 4.58 | 2.26 | 9.27 | 6.17 | 3.63 | 10.01 | 6.19 | 2.81 | 9.06 | 6.07 | 2.89 |
| Gross Margin | 89.12 | 89.06 | |||||||||||||
| Operating Margin | |||||||||||||||
| EBITDA Margin | |||||||||||||||
| Net Profit Margin | 419.16 | 414.30 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Dividend Yield | |||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | |||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 34,352,911.00 | 17,501,202.00 | 17,475,135.00 | 18,723,038.00 | 16,921,654.00 |
| Deposits | 31,620,339.00 | 17,821,866.00 | 19,797,057.00 | 20,712,110.00 | 18,060,220.00 |
| Cash and Short-Term Investments | 1,079,428.00 | 617,441.00 | 1,492,275.00 | 5,301,910.00 | 2,624,940.00 |
| Cash and Cash Equivalents | 1,079,428.00 | 617,441.00 | 1,463,581.00 | 5,274,929.00 | 2,599,960.00 |
| Short-Term Investments | 0 | 0 | 28,694.00 | 26,981.00 | 24,980.00 |
| Net Receivables | 86,410,449.00 | 74,270.00 | 114,141.00 | 139,403.00 | 290,412.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 164,587.00 | 175,962.00 | 188,037.00 | 204,016.00 | 219,923.00 |
| Real Estate | 0 | 0 | 0 | 852.00 | 816.00 |
| Goodwill | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 |
| Intangible Assets | 0 | 0 | 0 | 14,855.00 | 21,426.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 148,858.00 | 153,365.00 | 178,131.00 | 71,138.00 | 65,742.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 14,425,711.00 | 14,017,700.00 | 14,376,999.00 | 15,114,545.00 | 13,365,359.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 19,927,200.00 | 3,483,502.00 | 3,098,136.00 | 3,608,493.00 | 3,556,295.00 |
| Shareholders Equity | 5,322,978.00 | 4,958,073.00 | 4,369,296.00 | 5,070,981.00 | 4,998,792.00 |
| Capital Stock | 0 | 0 | 0 | 0 | 0 |
| Share Premium | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 744,091.00 | 642,175.00 | 525,242.00 | 390,762.00 | 247,316.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -277,274.00 | -289,135.00 | -362,769.00 | 184.00 | 69,069.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 81,445,883.00 | 22,423,102.00 | 27,291,031.00 | 34,333,745.00 | 2,919,166.00 |
| Debt | 437,314.00 | 459,223.00 | 499,531.00 | 601,755.00 | 430,350.00 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cost Of Revenue | 7,581.00 | 10,789.00 | 10,364.00 | 33,388.00 | 67,875.00 |
| Interest Income | 1,535,125.00 | 1,403,988.00 | 1,145,218.00 | 1,041,097.00 | 1,038,404.00 |
| Interest Expense | 224,387.00 | 125,567.00 | 19,390.00 | 23,609.00 | 37,845.00 |
| Net Interest | 541,716.00 | 1,278,421.00 | 1,125,828.00 | 1,017,488.00 | 1,000,559.00 |
| Non-Interest Expense | 391,538.00 | 382,538.00 | 377,295.00 | 380,101.00 | 373,148.00 |
| Provisions for Credit Losses | 7,581.00 | 10,789.00 | 10,364.00 | -33,388.00 | 64,316.00 |
| Selling, General and Administrative Expenses | 88,733.00 | 86,385.00 | 86,656.00 | 87,585.00 | 88,515.00 |
| Operating Income | 66,888.00 | 44,409.00 | 75,255.00 | 96,416.00 | 98,616.00 |
| EBT | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 37,766.00 | 39,647.00 | 42,025.00 | 41,172.00 | 24,186.00 |
| Net Income | 168,898.00 | 183,624.00 | 195,378.00 | 201,048.00 | 115,928.00 |
| Deprecation and Amortization | 18,076.00 | 17,873.00 | 16,933.00 | 17,345.00 | 18,130.00 |
| EPS | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 |
| Diluted EPS | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 |
| Average Shares Outstanding Basic | 34,470.06 | 34,344.14 | 34,264.32 | 34,610.06 | 35,264.25 |
| Average Shares Outstanding Diluted | 34,628.71 | 34,450.41 | 34,459.92 | 34,919.19 | 35,528.85 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 380,446.00 | 358,008.00 | 338,170.00 | 401,918.00 | 232,040.00 |
| Operating Net Income | 675,592.00 | 550,872.00 | 586,134.00 | 603,144.00 | 347,784.00 |
| Deprecation and Amortization | 18,076.00 | 17,873.00 | 16,933.00 | 17,345.00 | 18,130.00 |
| Deferred Income Tax | 10,096.00 | 8,362.00 | 12,862.00 | 20,726.00 | -10,764.00 |
| Share Based Compensation | 10,031.00 | 9,169.00 | 8,870.00 | 9,258.00 | 9,168.00 |
| Change in Working Capital | 46,647.00 | 7,685.00 | 78,981.00 | -59,917.00 | 8,695.00 |
| Other Operating Activities | -379,996.00 | -235,953.00 | -365,610.00 | -188,638.00 | -140,973.00 |
| Investing Cash Flow | -422,325.00 | 192,417.00 | -1,449,178.00 | -1,015,654.00 | -1,454,662.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 18,070.00 | 19,320.00 | 20,812.00 | 22,252.00 | 21,696.00 |
| Net Purchase/Sale of Investments Net | 432,344.00 | 656,886.00 | 1,486,478.00 | 4,373,895.00 | 1,785,704.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 20,522.00 | 14,038.00 | 14,034.00 | 46,028.00 | 19,469.00 |
| Other Investing Activities | -893,261.00 | -497,827.00 | -2,970,502.00 | -5,457,829.00 | -3,281,531.00 |
| Financing Cash Flow | 256,472.00 | -507,967.00 | -809,102.00 | 1,488,588.00 | 2,226,407.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 0 | 0 | 98,027.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 32,880.00 | 169,584.00 | 95,325.00 |
| Dividends Paid | 66,733.00 | 66,765.00 | 61,078.00 | 57,621.00 | 94,078.00 |
| Other Financing Activities | 189,739.00 | -574,732.00 | -903,060.00 | 1,261,383.00 | 1,938,977.00 |
| Net Change in Cash | 214,593.00 | 42,458.00 | -1,920,110.00 | 900,117.00 | 926,448.00 |
| Cash at Beginning of Period | 287,265.00 | 212,006.00 | 2,163,172.00 | 1,234,183.00 | 307,735.00 |
| Cash at End of Period | 501,858.00 | 254,464.00 | 243,062.00 | 2,134,300.00 | 1,234,183.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 16,563,081.00 | 16,437,169.00 | 16,170,812.00 | 34,352,911.00 | 16,188,676.00 | 15,816,194.00 | 15,518,279.00 | 17,501,202.00 | 15,507,880.00 | 15,584,736.00 | 15,533,603.00 | 17,475,135.00 | 16,360,809.00 | 16,385,197.00 | 16,776,171.00 | 18,723,038.00 | 16,637,879.00 | 16,181,857.00 | 16,119,792.00 | 16,921,654.00 |
| Deposits | 32,604,208.00 | 31,559,073.00 | 31,758,128.00 | 31,620,339.00 | 18,226,392.00 | 17,617,066.00 | 17,858,324.00 | 17,821,866.00 | 18,372,406.00 | 18,468,243.00 | 18,918,211.00 | 19,797,057.00 | 20,741,789.00 | 20,601,379.00 | 21,018,626.00 | 20,712,110.00 | 20,565,541.00 | 19,726,771.00 | 19,543,560.00 | 18,060,220.00 |
| Cash and Short-Term Investments | 672,863.00 | 483,348.00 | 441,945.00 | 1,079,428.00 | 478,795.00 | 247,458.00 | 209,276.00 | 617,441.00 | 251,706.00 | 281,325.00 | 935,984.00 | 1,492,275.00 | 2,543,842.00 | 3,241,694.00 | 4,876,776.00 | 5,301,910.00 | 5,301,164.00 | 3,835,862.00 | 1,649,927.00 | 2,624,940.00 |
| Cash and Cash Equivalents | 672,863.00 | 483,348.00 | 441,945.00 | 1,079,428.00 | 478,795.00 | 247,458.00 | 209,276.00 | 617,441.00 | 251,706.00 | 281,325.00 | 935,984.00 | 1,463,581.00 | 2,543,842.00 | 3,241,694.00 | 4,876,776.00 | 5,274,929.00 | 5,301,164.00 | 3,835,862.00 | 1,649,927.00 | 2,599,960.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 28,694.00 | 0 | 0 | 0 | 26,981.00 | 0 | 0 | 0 | 24,980.00 |
| Net Receivables | 82,097,063.00 | 82,036,297.00 | 80,260,204.00 | 86,410,449.00 | 145,822.00 | 80,941.00 | 75,481.00 | 74,270.00 | 115,198.00 | 117,619.00 | 101,110.00 | 114,141.00 | 135,047.00 | 114,569.00 | 106,045.00 | 139,403.00 | 107,322.00 | 118,720.00 | 184,477.00 | 290,412.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 149,342.00 | 155,929.00 | 156,783.00 | 164,587.00 | 163,448.00 | 166,093.00 | 170,723.00 | 175,962.00 | 179,951.00 | 181,226.00 | 183,468.00 | 188,037.00 | 193,188.00 | 190,906.00 | 195,386.00 | 204,016.00 | 210,026.00 | 211,350.00 | 217,485.00 | 219,923.00 |
| Real Estate | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 340.00 | 340.00 | 429.00 | 852.00 | 852.00 | 763.00 | 340.00 | 816.00 |
| Goodwill | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 | 373,121.00 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14,855.00 | 0 | 0 | 0 | 21,426.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 130,438.00 | 136,542.00 | 139,361.00 | 148,858.00 | 130,310.00 | 153,541.00 | 156,571.00 | 153,365.00 | 186,775.00 | 167,993.00 | 165,247.00 | 178,131.00 | 178,550.00 | 146,543.00 | 118,997.00 | 71,138.00 | 70,130.00 | 69,702.00 | 83,178.00 | 65,742.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 14,650,189.00 | 14,571,505.00 | 14,337,359.00 | 14,425,711.00 | 14,394,955.00 | 14,125,428.00 | 13,853,771.00 | 14,017,700.00 | 13,987,273.00 | 14,042,223.00 | 14,001,908.00 | 14,376,999.00 | 14,952,150.00 | 14,899,367.00 | 15,212,391.00 | 15,114,545.00 | 14,970,760.00 | 14,512,646.00 | 14,500,975.00 | 13,365,359.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 1,912,892.00 | 1,865,664.00 | 1,833,453.00 | 19,927,200.00 | 1,793,721.00 | 1,690,766.00 | 1,664,508.00 | 3,483,502.00 | 1,520,607.00 | 1,542,513.00 | 1,531,695.00 | 3,098,136.00 | 1,408,659.00 | 1,485,830.00 | 1,563,780.00 | 3,608,493.00 | 1,667,119.00 | 1,669,211.00 | 1,618,817.00 | 3,556,295.00 |
| Shareholders Equity | 1,912,892.00 | 1,865,664.00 | 1,833,453.00 | 5,322,978.00 | 1,793,721.00 | 1,690,766.00 | 1,664,508.00 | 4,958,073.00 | 1,520,607.00 | 1,542,513.00 | 1,531,695.00 | 4,369,296.00 | 1,408,659.00 | 1,485,830.00 | 1,563,780.00 | 5,070,981.00 | 1,667,119.00 | 1,669,211.00 | 1,618,817.00 | 4,998,792.00 |
| Capital Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Premium | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 837,826.00 | 801,082.00 | 772,412.00 | 744,091.00 | 714,472.00 | 686,079.00 | 663,021.00 | 642,175.00 | 616,215.00 | 587,027.00 | 564,106.00 | 525,242.00 | 486,108.00 | 452,246.00 | 419,659.00 | 390,762.00 | 355,035.00 | 319,505.00 | 279,582.00 | 247,316.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | -220,755.00 | -244,422.00 | -247,926.00 | -277,274.00 | -225,543.00 | -297,549.00 | -299,482.00 | -289,135.00 | -392,915.00 | -339,448.00 | -325,636.00 | -362,769.00 | -369,190.00 | -255,915.00 | -154,091.00 | 184.00 | 14,939.00 | 38,251.00 | 12,966.00 | 69,069.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 75,688,896.00 | 76,012,540.00 | 75,157,445.00 | 81,445,883.00 | 18,917,415.00 | 18,604,572.00 | 22,281,075.00 | 22,423,102.00 | 22,933,125.00 | 23,471,823.00 | 25,644,472.00 | 27,291,031.00 | 29,197,090.00 | 30,096,765.00 | 30,434,923.00 | 34,333,745.00 | 32,555,008.00 | 4,806,914.00 | 3,606,890.00 | 2,919,166.00 |
| Debt | 115,077.00 | 115,062.00 | 267,647.00 | 437,314.00 | 267,649.00 | 284,940.00 | 288,164.00 | 459,223.00 | 297,996.00 | 301,280.00 | 321,991.00 | 499,531.00 | 325,610.00 | 324,990.00 | 327,125.00 | 601,755.00 | 392,146.00 | 373,397.00 | 373,712.00 | 430,350.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 37,482.00 | 78,888.00 | 0 | 46,290.00 | 19,955.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 33,638.00 | 22,189.00 | 0 | 0 | 0 | 0 | 0 |
| Cost Of Revenue | 10,604.00 | 7,934.00 | 3,139.00 | -409.00 | 4,581.00 | 2,889.00 | 520.00 | -4,242.00 | 8,267.00 | 6,240.00 | 524.00 | -2,684.00 | 3,660.00 | 2,427.00 | 6,961.00 | -23,515.00 | 28,145.00 | 19,507.00 | 9,251.00 |
| Interest Income | 599,975.00 | 394,127.00 | 193,868.00 | 222,256.00 | 569,667.00 | 373,826.00 | 369,376.00 | -643,142.00 | 1,035,668.00 | 677,540.00 | 333,922.00 | -426,370.00 | 814,022.00 | 511,784.00 | 245,782.00 | -512,025.00 | 787,908.00 | 516,172.00 | 249,042.00 |
| Interest Expense | 164,504.00 | 108,645.00 | 52,785.00 | -104,150.00 | 168,487.00 | 108,321.00 | 51,729.00 | -11,260.00 | 80,238.00 | 42,940.00 | 13,649.00 | -5,977.00 | 12,903.00 | 8,227.00 | 4,237.00 | -14,715.00 | 18,593.00 | 12,871.00 | 6,860.00 |
| Net Interest | 435,471.00 | 285,482.00 | 141,083.00 | -442,616.00 | 401,180.00 | 265,505.00 | 317,647.00 | -631,882.00 | 955,430.00 | 634,600.00 | 320,273.00 | -420,393.00 | 801,119.00 | 503,557.00 | 241,545.00 | -497,310.00 | 769,315.00 | 503,301.00 | 242,182.00 |
| Non-Interest Expense | 304,629.00 | 202,607.00 | 101,259.00 | -193,932.00 | 292,060.00 | 195,769.00 | 97,641.00 | -188,026.00 | 285,917.00 | 190,026.00 | 94,621.00 | -175,430.00 | 278,282.00 | 183,248.00 | 91,195.00 | -187,873.00 | 288,296.00 | 186,151.00 | 93,527.00 |
| Provisions for Credit Losses | 10,604.00 | 7,934.00 | 3,139.00 | -409.00 | 4,581.00 | 2,889.00 | 520.00 | -3,194.00 | 8,267.00 | 6,240.00 | -524.00 | 16,092.00 | 3,660.00 | -2,427.00 | -6,961.00 | 23,515.00 | -28,145.00 | -19,507.00 | -9,251.00 |
| Gross Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 29,978.00 | 19,762.00 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -32,207.00 | -26,838.00 | 0 | 0 | 0 | 0 | 0 |
| Selling, General and Administrative Expenses | 68,494.00 | 44,727.00 | 21,769.00 | -43,449.00 | 65,892.00 | 44,125.00 | 22,165.00 | -41,335.00 | 64,029.00 | 42,468.00 | 21,223.00 | -41,400.00 | 63,961.00 | 42,601.00 | 21,494.00 | -40,356.00 | 64,212.00 | 42,209.00 | 21,520.00 |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -96,168.00 | -69,439.00 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 57,589.00 | 36,859.00 | 19,108.00 | -20,346.00 | 46,853.00 | 28,790.00 | 11,591.00 | -12,924.00 | 30,357.00 | 17,699.00 | 9,277.00 | -52,957.00 | 62,185.00 | 46,600.00 | 19,427.00 | -46,406.00 | 71,942.00 | 46,608.00 | 24,272.00 |
| EBT | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Income Tax | 33,694.00 | 21,169.00 | 10,658.00 | -18,232.00 | 28,885.00 | 18,283.00 | 8,830.00 | -28,176.00 | 32,769.00 | 22,117.00 | 12,937.00 | -22,728.00 | 33,353.00 | 21,516.00 | 9,884.00 | -29,603.00 | 36,031.00 | 23,942.00 | 10,802.00 |
| Net Income | 144,133.00 | 90,631.00 | 45,135.00 | -68,522.00 | 122,507.00 | 77,354.00 | 37,559.00 | -108,077.00 | 141,000.00 | 95,146.00 | 55,555.00 | -81,511.00 | 140,998.00 | 91,928.00 | 43,963.00 | -98,165.00 | 151,121.00 | 101,237.00 | 46,855.00 |
| Deprecation and Amortization | 12,523.00 | 8,474.00 | 4,304.00 | -9,192.00 | 13,615.00 | 9,084.00 | 4,569.00 | -8,620.00 | 13,314.00 | 8,815.00 | 4,364.00 | -8,134.00 | 12,594.00 | 8,304.00 | 4,169.00 | -8,846.00 | 13,071.00 | 8,709.00 | 4,411.00 |
| EPS | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 34,543.97 | 34,568.95 | 34,509.82 | 34,589.14 | 34,459.66 | 34,439.86 | 34,391.56 | 34,498.72 | 34,331.46 | 34,306.85 | 34,239.53 | 34,175.47 | 34,277.18 | 34,303.89 | 34,300.74 | 33,895.57 | 34,716.91 | 34,854.36 | 34,973.38 |
| Average Shares Outstanding Diluted | 34,730.10 | 34,761.04 | 34,778.69 | 34,878.62 | 34,575.50 | 34,539.62 | 34,521.11 | 34,469.34 | 34,439.21 | 34,435.22 | 34,457.87 | 34,209.07 | 34,499.25 | 34,532.93 | 34,598.44 | 34,211.06 | 35,012.23 | 35,149.99 | 35,303.48 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 232,516.00 | 112,089.00 | 57,238.00 | 4,919.00 | 193,907.00 | 130,154.00 | 51,466.00 | -24,236.00 | 189,552.00 | 117,955.00 | 74,737.00 | 14,772.00 | 157,367.00 | 115,377.00 | 50,654.00 | -570,010.00 | 329,723.00 | 319,724.00 | 322,481.00 |
| Operating Net Income | 144,133.00 | 90,631.00 | 135,405.00 | 438,172.00 | 122,507.00 | 77,354.00 | 37,559.00 | 259,171.00 | 141,000.00 | 95,146.00 | 55,555.00 | 309,245.00 | 140,998.00 | 91,928.00 | 43,963.00 | 303,931.00 | 151,121.00 | 101,237.00 | 46,855.00 |
| Deprecation and Amortization | 12,523.00 | 8,474.00 | 4,304.00 | -9,192.00 | 13,615.00 | 9,084.00 | 4,569.00 | -8,620.00 | 13,314.00 | 8,815.00 | 4,364.00 | -8,134.00 | 12,594.00 | 8,304.00 | 4,169.00 | -8,846.00 | 13,071.00 | 8,709.00 | 4,411.00 |
| Deferred Income Tax | 0 | 0 | 0 | 10,096.00 | 0 | 0 | 0 | 8,362.00 | 0 | 0 | 0 | 12,862.00 | 0 | 0 | 0 | 20,726.00 | 0 | 0 | 0 |
| Share Based Compensation | 7,623.00 | 4,913.00 | 2,230.00 | -4,080.00 | 7,234.00 | 4,652.00 | 2,225.00 | -4,062.00 | 6,785.00 | 4,393.00 | 2,053.00 | -4,220.00 | 6,592.00 | 4,417.00 | 2,081.00 | -4,557.00 | 7,012.00 | 4,651.00 | 2,152.00 |
| Change in Working Capital | -2,758.00 | -75,288.00 | -46,197.00 | 42,272.00 | 6,267.00 | 18,180.00 | -20,072.00 | -25,067.00 | 29,696.00 | 25,077.00 | -22,021.00 | -76,955.00 | 99,573.00 | 45,593.00 | 10,770.00 | -239,705.00 | -27,592.00 | 43,172.00 | 164,208.00 |
| Other Operating Activities | 70,995.00 | 83,359.00 | -38,504.00 | -472,349.00 | 44,284.00 | 20,884.00 | 27,185.00 | -254,020.00 | -1,243.00 | -15,476.00 | 34,786.00 | -218,026.00 | -102,390.00 | -34,865.00 | -10,329.00 | -641,559.00 | 186,111.00 | 161,955.00 | 104,855.00 |
| Investing Cash Flow | -218,195.00 | -292,585.00 | -61,794.00 | 29,408.00 | -304,621.00 | -209,319.00 | 62,207.00 | -687,330.00 | 272,659.00 | 298,277.00 | 308,811.00 | 1,163,259.00 | -1,365,547.00 | -968,645.00 | -278,245.00 | 1,719,634.00 | -819,963.00 | -1,085,869.00 | -829,456.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 12,698.00 | 6,273.00 | 3,224.00 | -9,666.00 | 14,276.00 | 10,652.00 | 2,808.00 | -1,515.00 | 12,645.00 | 5,863.00 | 2,327.00 | -19,578.00 | 18,184.00 | 13,284.00 | 8,922.00 | -9,188.00 | 14,654.00 | 12,453.00 | 4,333.00 |
| Net Purchase/Sale of Investments Net | 395,765.00 | 143,987.00 | 61,886.00 | -271,209.00 | 336,855.00 | 221,945.00 | 144,753.00 | -578,597.00 | 562,441.00 | 442,696.00 | 230,346.00 | -1,032,436.00 | 1,155,835.00 | 915,196.00 | 447,883.00 | -680,440.00 | 3,670,797.00 | 904,403.00 | 479,135.00 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Loan & Lease Activity | 20,522.00 | 14,038.00 | 14,034.00 | 46,028.00 | 19,469.00 | ||||||||||||||
| Other Investing Activities | -652,711.00 | -463,034.00 | -137,851.00 | 322,713.00 | -672,374.00 | -453,724.00 | -89,876.00 | -106,699.00 | -313,946.00 | -151,801.00 | 74,619.00 | 2,229,504.00 | -2,552,835.00 | -1,907,087.00 | -740,084.00 | 2,441,284.00 | -4,543,800.00 | -2,034,022.00 | -1,321,291.00 |
| Financing Cash Flow | 156,684.00 | 161,986.00 | -55,357.00 | 8,129.00 | 335,045.00 | 72,159.00 | -158,861.00 | 707,187.00 | -453,567.00 | -377,969.00 | -383,618.00 | -676,397.00 | -104,199.00 | -110,185.00 | 81,679.00 | -1,890,663.00 | 1,456,639.00 | 999,893.00 | 922,719.00 |
| Net Issuance/Repayment of Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Issuance/Repurchase of Equity | 15,784.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10,960.00 | 10,960.00 | 10,960.00 | 0 | 47,853.00 | 56,528.00 | 39,879.00 | 25,324.00 |
| Dividends Paid | 50,399.00 | 33,843.00 | 16,783.00 | -33,748.00 | 50,169.00 | 33,620.00 | 16,692.00 | -34,005.00 | 50,263.00 | 33,768.00 | 16,739.00 | -31,108.00 | 46,019.00 | 30,967.00 | 15,200.00 | -29,905.00 | 43,568.00 | 29,393.00 | 14,565.00 |
| Other Financing Activities | 90,501.00 | 128,143.00 | -72,140.00 | 41,877.00 | 284,876.00 | 38,539.00 | -175,553.00 | 741,192.00 | -503,830.00 | -411,737.00 | -400,357.00 | -656,249.00 | -161,178.00 | -152,112.00 | 66,479.00 | -1,908,611.00 | 1,356,543.00 | 930,621.00 | 882,830.00 |
| Net Change in Cash | 171,005.00 | -18,510.00 | -59,913.00 | 42,456.00 | 224,331.00 | -7,006.00 | -45,188.00 | -4,379.00 | 8,644.00 | 38,263.00 | -70.00 | 501,634.00 | -1,312,379.00 | -963,453.00 | -145,912.00 | -715,774.00 | 966,399.00 | 233,748.00 | 415,744.00 |
| Cash at Beginning of Period | 501,858.00 | 501,858.00 | 501,858.00 | 459,402.00 | 254,464.00 | 254,464.00 | 254,464.00 | 258,843.00 | 243,062.00 | 243,062.00 | 243,062.00 | -258,572.00 | 2,134,300.00 | 2,134,300.00 | 2,134,300.00 | 2,850,074.00 | 1,234,183.00 | 1,234,183.00 | 1,234,183.00 |
| Cash at End of Period | 672,863.00 | 483,348.00 | 441,945.00 | 501,858.00 | 478,795.00 | 247,458.00 | 209,276.00 | 254,464.00 | 251,706.00 | 281,325.00 | 242,992.00 | 243,062.00 | 821,921.00 | 1,170,847.00 | 1,988,388.00 | 2,134,300.00 | 2,200,582.00 | 1,467,931.00 | 1,649,927.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |