BFL.ASX
BSP Financial Group Ltd
https://www.marketindex.com.au/asx/bfl/financials
Annual Financial Summary
Print Financials
12/2023
12/2022
12/2021
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Profitability
NPAT ($M)
376.43
457.13
-
-
-
-
-
-
-
NPAT Margin
-
-
-
-
-
-
-
-
-
Abnormals ($M)
(0.03)
(0.78)
-
-
-
-
-
-
-
NPAT before Abnormals ($M)
376.46
457.91
-
-
-
-
-
-
-
Return on Equity (ROE)
20.98%
26.99%
-
-
-
-
-
-
-
Return on Assets (ROA)
2.41%
3.20%
-
-
-
-
-
-
-
Valuation
PE Ratio
6.73
5.00
-
-
-
-
-
-
-
PE Relative to Market
41.5%
30.0%
-
-
-
-
-
-
-
Price to Book
1.41
1.35
-
-
-
-
-
-
-
Price to Cash Flow
0.00
0.00
-
-
-
-
-
-
-
Shares Outstanding (M)
467.22
467.22
-
-
-
-
-
-
-
Market Cap ($M)
$2,532.33
$2,289.38
-
-
-
-
-
-
-
Enterprise Value ($M)
-
-
-
-
-
-
-
-
-
Performance
Total Shareholder Return
24.9%
27.9%
-
-
-
-
-
-
-
Relative to Market
11.2%
32.0%
-
-
-
-
-
-
-
Per Share
Earnings (EPS Adjusted)
80.57
97.84
-
-
-
-
-
-
-
Earnings (with Abnormals)
80.57
98.01
-
-
-
-
-
-
-
Cash Flow
158.50
240.60
-
-
-
-
-
-
-
Cash
0.00
0.00
-
-
-
-
-
-
-
Net Tangible Assets
0.00
0.00
-
-
-
-
-
-
-
Book Value
3.84
3.63
-
-
-
-
-
-
-
Share Price
$5.42
$4.90
-
-
-
-
-
-
-
Dividends
DPS (c)
56.86
72.66
-
-
-
-
-
-
-
Dividend yield
10.49%
14.83%
-
-
-
-
-
-
-
Franking
-
-
-
-
-
-
-
-
-
Gross DPS (c)
56.86
72.66
-
-
-
-
-
-
-
Gross Dividend Yield
10.49%
14.83%
-
-
-
-
-
-
-
Payout Ratio
71%
74%
-
-
-
-
-
-
-
Member Content
Source:
Annual Financial Income Statement
Print Financials
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Revenue
Interest Income
830.03
775.93
-
-
-
-
-
-
-
Interest Expenses
(49.94)
(38.03)
-
-
-
-
-
-
-
Net Interest Income
780.09
737.9
-
-
-
-
-
-
-
Provision Doubtful Debts
(77.04)
(4.31)
-
-
-
-
-
-
-
Net Interest Income Less Prov.
703.05
733.59
-
-
-
-
-
-
-
Non Interest Income
413.36
361.09
-
-
-
-
-
-
-
Total Operating Income
1,116.4
1,094.68
-
-
-
-
-
-
-
Expenses
Non Interest Expenses
(459.52)
(491.29)
-
-
-
-
-
-
-
Pre-Tax Profit
656.88
603.39
-
-
-
-
-
-
-
Tax Expense
(280.43)
(145.48)
-
-
-
-
-
-
-
Outside Equity
-
-
-
-
-
-
-
-
-
Ordinary Dividends
(282.51)
-
-
-
-
-
-
-
-
Preference Dividends
-
-
-
-
-
-
-
-
-
NPAT before Abs
376.46
457.91
-
-
-
-
-
-
-
Abnormal
(0.03)
(0.78)
-
-
-
-
-
-
-
Abnormals Tax
-
-
-
-
-
-
-
-
-
Net Abnormals
(0.03)
(0.78)
-
-
-
-
-
-
-
Reported NPAT after Abs
376.43
457.13
-
-
-
-
-
-
-
Equity
Share End
467.22
467.22
-
-
-
-
-
-
-
Share Weighted
467.22
467.22
-
-
-
-
-
-
-
EPS Adjusted
0.81
0.98
-
-
-
-
-
-
-
EPS after Abs
0.81
0.98
-
-
-
-
-
-
-
Forex Gain
-
-
-
-
-
-
-
-
-
Equity Profit / Loss
-
-
-
-
-
-
-
-
-
Member Content
Source:
Annual Financial Balance Sheet
Print Financials
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Assets
Short Term Money
1,397.98
1,590.62
-
-
-
-
-
-
-
Investment Securities
3,169.93
2,278.52
-
-
-
-
-
-
-
Due from Banks
1,954.2
1,799.57
-
-
-
-
-
-
-
Loans
8,379.47
7,821.55
-
-
-
-
-
-
-
Total Earning Assets
14,901.58
13,490.26
-
-
-
-
-
-
-
Customer Acceptance
-
-
-
-
-
-
-
-
-
Fixed Assets
437.54
417.23
-
-
-
-
-
-
-
Other Non-Earning Assets
285.76
422.97
-
-
-
-
-
-
-
Total Non-Earning Assets
723.3
840.2
-
-
-
-
-
-
-
Total Assets
15,624.88
14,330.46
-
-
-
-
-
-
-
Liabilities
Due to Banks
153.78
110.6
-
-
-
-
-
-
-
Bank Acceptance
-
-
-
-
-
-
-
-
-
Deposits
12,615.8
11,382.87
-
-
-
-
-
-
-
Provisions
113.08
114.96
-
-
-
-
-
-
-
Bonds
118.32
224.98
-
-
-
-
-
-
-
Other Liabilities
829.61
800.12
-
-
-
-
-
-
-
Total Liabilities
13,830.59
12,633.54
-
-
-
-
-
-
-
Net Assets
1,794
1,696.62
-
-
-
-
-
-
-
Equity
Outside Equity
0.3
0.31
-
-
-
-
-
-
-
Capital
157.35
157.35
-
-
-
-
-
-
-
Reserves Excl. Share Premiums
192.33
135.71
-
-
-
-
-
-
-
Share Premium Reserves
-
-
-
-
-
-
-
-
-
Retained Profits
1,444.33
1,403.56
-
-
-
-
-
-
-
Other Equity
-
-
-
-
-
-
-
-
-
Convertible Equity
-
-
-
-
-
-
-
-
-
Member Content
Source:
Annual Financial Cash Flow
Print Financials
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Activities
Interest Received
765.8
770.86
-
-
-
-
-
-
-
Interest Paid
(53.25)
(33.27)
-
-
-
-
-
-
-
Dividends Received
-
-
-
-
-
-
-
-
-
Tax Paid
(298.52)
(192.61)
-
-
-
-
-
-
-
Other
326.56
579.04
-
-
-
-
-
-
-
Net Operating Cashflow
740.58
1,124.02
-
-
-
-
-
-
-
Investing Activities
Purchased PP&E
(66.53)
(73.1)
-
-
-
-
-
-
-
Proceeds from PP&E
0.64
1.75
-
-
-
-
-
-
-
Purchased Investments
(510.8)
(89.1)
-
-
-
-
-
-
-
Proceeds from Investments
-
-
-
-
-
-
-
-
-
Purchased Subsidiary
-
-
-
-
-
-
-
-
-
Proceeds from Subsidiary
-
-
-
-
-
-
-
-
-
Loans Granted
-
-
-
-
-
-
-
-
-
Loans Repaid
-
-
-
-
-
-
-
-
-
Other
-
-
-
-
-
-
-
-
-
Net Investing Cashflow
(576.7)
(160.45)
-
-
-
-
-
-
-
Financing Activities
Proceeds from Issues
-
-
-
-
-
-
-
-
-
Proceeds from Borrowings
-
-
-
-
-
-
-
-
-
Payments of Borrowings
(108.25)
(6.09)
-
-
-
-
-
-
-
Dividends Paid
(351.73)
(333.59)
-
-
-
-
-
-
-
Other
-
(0.01)
-
-
-
-
-
-
-
Net Financing Cashflow
(459.99)
(339.69)
-
-
-
-
-
-
-
Total Net Cashflow
(296.1)
623.88
-
-
-
-
-
-
-
Cash
Cash Begin
82.46
1,644.61
-
-
-
-
-
-
-
Exchange Rate Adjustment
2,210.39
(53.28)
-
-
-
-
-
-
-
Cash End
1,996.74
2,215.21
-
-
-
-
-
-
-
Member Content
Source: