Below are the financial statements of Bendigo and Adelaide Bank, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of AUD | 2024 | 2023 |
|---|---|---|
| Net interest income | — | — |
| Interest income | 4,738.7a | 3,406.8a |
| Interest expense | -3,102.6a | -1,766a |
| Total net interest income | 1,636.1a | 1,640.8a |
| Other revenue | — | — |
| Fees | 131.1a | 129.7a |
| Commissions and management fees | 62.4a | 64a |
| Other income | 203.7a | 85.8a |
| Total other revenue | 397.2a | 279.5a |
| Total income | 2,033.3a | 1,920.3a |
| Credit expenses | — | — |
| Credit (expenses)/reversals | -13.4a | -36.1a |
| Bad and doubtful debts recovered | 3.5a | 2.5a |
| Total credit (expenses)/reversals | -9.9a | -33.6a |
| Operating expenses | — | — |
| Staff and related costs | -694.5a | -656.7a |
| Occupancy costs | -71.6a | -75.4a |
| Amortisation and depreciation costs | -65.5a | -54.4a |
| Fees and commissions | -16.7a | -23.6a |
| Other operating expenses | -377.9a | -351.8a |
| Total operating expenses | -1,226.2a | -1,161.9a |
| Profit before income tax expense | 797.2a | 724.8a |
| Income tax expense | -252.2a | -227.8a |
| Net profit attributable to owners of the bank | 545a | 497a |
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