Al-Arafah Islami Bank PLC. (DSE:ALARABANK)

DSE:ALARABANK Income Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	41,306	42,371	31,300	25,221	23,446	26,331
Interest Paid on Deposits	34,978	30,525	21,201	16,110	13,073	16,557
Net Interest Income	6,328	11,845	10,098	9,112	10,373	9,775
Net Interest Income Growth (YoY)	-53.31%	17.30%	10.83%	-12.16%	6.12%	-4.24%
Gain (Loss) on Sale of Investments	-210.34	-176.39	9.84	-31.39	-8.46	-9.73
Other Non-Interest Income	8,875	8,192	7,799	7,517	4,250	3,655
Total Non-Interest Income	8,665	8,015	7,809	7,486	4,242	3,646
Non-Interest Income Growth (YoY)	6.96%	2.64%	4.32%	76.47%	16.35%	-9.21%
Revenues Before Loan Losses	14,993	19,860	17,907	16,597	14,615	13,420
Provision for Loan Losses	-732.81	3,734	2,763	3,168	2,647	1,878
Revenue	15,726	16,126	15,145	13,429	11,968	11,542
Revenue Growth (YoY)	5.46%	6.48%	12.77%	12.21%	3.69%	1.45%
Salaries and Employee Benefits	6,016	6,298	5,220	4,566	3,956	3,814
Occupancy Expenses	1,620	1,565	1,474	1,458	1,287	1,336
Selling, General & Administrative	2,162	2,164	1,912	1,286	1,204	1,030
Other Non-Interest Expense	2,015	1,990	1,057	854.55	682.47	562.15
Total Non-Interest Expense	11,813	12,017	9,663	8,165	7,129	6,742
EBT Excluding Unusual Items	3,913	4,109	5,482	5,264	4,839	4,800
Pretax Income	3,913	4,109	5,482	5,264	4,839	4,800
Income Tax Expense	3,433	3,344	3,125	3,157	2,712	2,228
Earnings From Continuing Operations	479.59	764.67	2,356	2,107	2,126	2,572
Minority Interest in Earnings	3.07	-9.72	-5.46	-30.04	-38.86	-6.57
Net Income	482.66	754.96	2,351	2,077	2,088	2,565
Net Income to Common	482.66	754.96	2,351	2,077	2,088	2,565
Net Income Growth	-72.00%	-67.89%	13.22%	-0.53%	-18.62%	5.83%
Basic Shares Outstanding	1,152	1,152	1,152	1,152	1,152	1,152
Diluted Shares Outstanding	1,152	1,152	1,152	1,152	1,152	1,152
EPS (Basic)	0.42	0.66	2.04	1.80	1.81	2.23
EPS (Diluted)	0.42	0.66	2.04	1.80	1.81	2.23
EPS Growth	-72.00%	-67.89%	13.22%	-0.53%	-18.62%	5.83%
Dividend Per Share	-	-	0.952	1.110	1.387	1.387
Dividend Growth	-	-	-14.17%	-20.00%	-	15.39%
Effective Tax Rate	87.74%	81.39%	57.01%	59.98%	56.05%	46.42%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.