LOMBARD BANK MALTA P.L.C. financials
LOMBARD BANK MALTA P.L.C.
Country: MT Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
529900UIRB65OY6U4B21 Financial statements
(EUR, as reported — unscaled; 107 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Employee benefits expense | €26.5M | €24.4M |
| Depreciation & amortisation | €3.6M | €3.2M |
| Operating profit (EBIT) | €19.5M | €14.8M |
| Profit before tax | €19.4M | €14.5M |
| Income tax expense | €7.3M | €4.9M |
| Profit for the year | €12.2M | €9.6M |
| — attributable to owners | €11.3M | €9.1M |
| — attributable to NCI | €865.0K | €554.0K |
| Total comprehensive income | €22.1M | €9.1M |
| Per share | ||
| Basic EPS | €0.07 | €0.09 |
| Free cash flow / share | €-0.00 | €0.15 |
| Cash flow statement | ||
| Cash generated from operations | €7.7M | €22.2M |
| Net cash from operating activities | €1.5M | €18.2M |
| Net cash from investing activities | €18.5M | €2.8M |
| Net cash from financing activities | -€2.5M | €44.9M |
| Dividends paid | €1.9M | €305.0K |
| Lease liability payments | €552.0K | €491.0K |
| Balance sheet | ||
| Total assets | €1.39B | €1.27B |
| Property, plant & equipment | €71.5M | €66.5M |
| Intangible assets & goodwill | €2.2M | €2.2M |
| Cash & equivalents | €189.2M | €171.7M |
| Total equity | €218.9M | €198.8M |
| — attributable to owners | €209.4M | €190.4M |
| Non-controlling interests | €9.5M | €8.4M |
| Deferred tax liabilities | €4.8M | €4.1M |
| Derived metrics | ||
| Free cash flow | -€788.0K | €15.5M |
| Operating margin | 49.7% | 38.3% |
| Net margin | 31.0% | 24.8% |
| Return on equity | 5.6% | 4.8% |
| Cash conversion ratio | 0.12× | 1.89× |
| Capex coverage | 0.66× | 6.84× |
| Other reported items | ||
| Accruals and Deferred Income Including Contract Liabilities | €13.8M | €11.3M |
| Adjustments For Decrease Increase In Trade and Other Receivables | €1.2M | -€763.0K |
| Adjustments For Increase Decrease In Other Operating Payables | -€1.3M | -€1.0M |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | — | €0 |
| Cash Flows From Used In Decrease Increase In Restricted Cash and Cash Equivalents | -€132.0K | -€6.1M |
| Cash Flows From Used In Operations Before Changes In Working Capital | €18.2M | €14.3M |
| Comprehensive Income Attributable To Noncontrolling Interests | €1.3M | €542.0K |
| Comprehensive Income Attributable To Owners of Parent | €20.7M | €8.5M |
| Current Assets Other Than Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €703.0K | €703.0K |
| Current Tax Assets | €0 | €643.0K |
| Current Tax Liabilities | €1.3M | €1.6M |
| Deferred Tax Assets | €8.0M | €11.7M |
| Deposits From Banks | €438.0K | €145.0K |
| Deposits From Customers | €1.12B | €1.02B |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | €1.6M | €0 |
| Dividends Paid To Noncontrolling Interests Classified As Financing Activities | €300.0K | €299.0K |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €0.13 | — |
| Dividends Received Classified As Investing Activities | €465.0K | €203.0K |
| Dividends Recognised As Distributions To Owners Per Share | €0.01 | — |
| Equity and Liabilities | €1.39B | €1.27B |
| Estimated Financial Effect of Contingent Liabilities | €19.8M | €14.3M |
| Fee and Commission Expense | €269.0K | €288.0K |
| Fee and Commission Income | €6.6M | €5.5M |
| Fee and Commission Income Expense | €6.4M | €5.2M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €8.9M | -€2.4M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | €5.8M | -€865.0K |
| General and Administrative Expense | €24.4M | €27.2M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | -€927.0K | €1.3M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €670.0K | €449.0K |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | €3.0M | -€672.0K |
| Income Taxes Paid Refund Classified As Operating Activities | -€6.2M | -€4.0M |
| Increase Decrease In Cash and Cash Equivalents | €17.5M | €65.9M |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | €0 | €0 |
| Increase Decrease Through Transactions With Owners | -€1.9M | €45.4M |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €244.0K |
| Increase Decrease Through Transfers and Other Changes Equity | €0 | €0 |
| Interest Expense | €10.9M | €7.8M |
| Interest Income On Debt Instruments Held | €2.7M | €2.2M |
| Interest Received Classified As Investing Activities | €3.8M | €4.7M |
| Interest Revenue Expense | €27.3M | €25.9M |
| Inventories Total | €1.7M | €1.4M |
| Investments In Associates | €4.3M | €3.3M |
| Issued Capital | €19.3M | €19.3M |
| Items In Course of Collection From Other Banks | €266.0K | €1.9M |
| Liabilities | €1.17B | €1.07B |
| Loans and Advances To Banks | €46.2M | €38.1M |
| Loans and Advances To Customers | €872.7M | €758.3M |
| Other Cash Receipts From Operating Activities | €319.0K | €872.0K |
| Other Comprehensive Income | €9.9M | -€554.0K |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€247.0K | -€55.0K |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | -€74.0K | €1.1M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€84.0K | €159.0K |
| Other Comprehensive Income Before Tax Gains Losses On Revaluation | €5.1M | €0 |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €161.0K | €36.0K |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€55.0K | €103.0K |
| Other Comprehensive Income Net of Tax Gains Losses On Revaluation | €4.3M | — |
| Other Operating Income Expense | €386.0K | €48.0K |
| Payments To Suppliers For Goods and Services and To and On Behalf of Employees | €56.7M | €58.7M |
| Prepayments and Accrued Income Including Contract Assets | €5.4M | €5.2M |
| Proceeds From Issuing Shares | €0 | €45.7M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €2.0K | €0 |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | €30.2M | €9.9M |
| Provisions | €2.6M | €1.4M |
| Purchase of Financial Instruments Classified As Investing Activities | €12.6M | €8.4M |
| Purchase of Interests In Associates | €1.0M | €1.0M |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €2.3M | €2.7M |
| Receipts From Sales of Goods and Rendering of Services | €43.9M | €44.3M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €0 | -€376.0K |
| Retained Earnings | €122.6M | €113.1M |
| Revenue and Operating Income | €74.3M | €70.4M |
| Revenue From Contracts With Customers | €39.2M | €38.7M |
| Revenue From Dividends | €465.0K | €203.0K |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | -€42.0K | -€315.0K |
| Share Premium | €56.5M | €56.5M |
| Trade and Other Receivables | €13.0M | €11.4M |
| Trading Income Expense | €628.0K | €378.0K |
Methodology
Every line item above is a fact tagged in LOMBARD BANK MALTA P.L.C.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.