[FISI] YoY Annual Result on 31-Dec-2004 [#FY]

Stock
[FISI] Financial Institutions, Inc.
Announcement Date
16-Mar-2005
Financial Year
2004
Quarter
31-Dec-2004 [#FY]
Profit Trend
YoY-
Quarter Report
FISI's Result
FISI's Financial Summary
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Annual Result
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
Revenue 98,837 95,726 84,768 78,753 81,377 96,876 100,776 -0.32%
PBT 30,639 20,581 -47,459 21,209 23,607 2,852 15,514 12.00%
Tax 9,352 6,140 -21,301 4,800 6,245 -1,766 3,021 20.71%
NP 21,287 14,441 -26,158 16,409 17,362 2,166 12,493 9.28%
Tax Rate -30.52% -29.83% - -22.63% -26.45% 61.92% -19.47% -
Total Cost 77,550 81,285 110,926 62,344 64,015 94,710 88,283 -2.13%
Ratio Analysis
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
NP Margin 21.54 15.09 -30.86 20.84 21.34 2.24 12.40 9.63%
Per Share
31/12/10 31/12/09 31/12/08 31/12/07 31/12/06 31/12/05 31/12/04 CAGR
EPS 1.62 0.99 -2.42 1.34 1.40 0.06 0.98 8.73%
EPS Diluted 1.61 0.99 -2.42 1.33 1.40 0.06 0.98 8.62%

PBT = Profit before Tax, NP = Net Profit, NP Margin = Net Profit Margin, EPS = Earning Per Share, EPS Diluted = Earning Per Share Diluted.

NP Margin, QoQ ⃤ & YoY ⃤ figures in Percentage; EPS & EPS Diluted figures in Cent.

All figures in '000 unless specified.