Bay Leasing & Investment Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest and Dividend Income	320.76	522.59	654.46	791.47	1,594	1,477	Upgrade
Total Interest Expense	1,058	1,045	843.4	870.26	1,049	1,125	Upgrade
Net Interest Income	-737.45	-522.18	-188.94	-78.8	545.03	351.64	Upgrade
Commissions and Fees	18.25	23.69	31.35	68.6	81.53	5.43	Upgrade
Other Revenue	-	2.26	1.53	3.08	5.16	16.31	Upgrade
Revenue Before Loan Losses	-719.19	-496.22	-156.06	-7.12	631.71	373.38	Upgrade
Provision for Loan Losses	1,531	1,446	524.12	549.16	380.75	29.47	Upgrade
Revenue	-2,250	-1,943	-680.17	-556.28	250.96	343.91	Upgrade
Revenue Growth (YoY)	-	-	-	-	-27.02%	9.64%	Upgrade
Salaries & Employee Benefits	76.8	75.31	73.26	73.2	72.69	69.37	Upgrade
Cost of Services Provided	18.76	22	25.14	27.57	23.54	21.33	Upgrade
Other Operating Expenses	2,239	2,240	4.7	6.22	4.52	-11.73	Upgrade
Total Operating Expenses	2,370	2,371	135.35	140.67	136.82	116.95	Upgrade
Operating Income	-4,620	-4,314	-815.52	-696.95	114.15	226.95	Upgrade
EBT Excluding Unusual Items	-4,620	-4,314	-815.52	-696.95	114.15	226.95	Upgrade
Gain (Loss) on Sale of Investments	-56.28	-56.28	12.52	-62.23	-196.46	-10.53	Upgrade
Pretax Income	-4,676	-4,370	-803.02	-759.22	-82.32	217.81	Upgrade
Income Tax Expense	16.43	19.55	25.08	69.24	56.85	57.8	Upgrade
Earnings From Continuing Ops.	-4,692	-4,390	-828.1	-828.47	-139.17	160.02	Upgrade
Minority Interest in Earnings	0	0	-0	-0	-0	-0	Upgrade
Net Income	-4,692	-4,390	-828.1	-828.47	-139.17	160.02	Upgrade
Net Income to Common	-4,692	-4,390	-828.1	-828.47	-139.17	160.02	Upgrade
Net Income Growth	-	-	-	-	-	6.40%	Upgrade
Shares Outstanding (Basic)	141	141	141	141	141	141	Upgrade
Shares Outstanding (Diluted)	141	141	141	141	141	141	Upgrade
Shares Change (YoY)	-0.25%	-	-	-	-	-	Upgrade
EPS (Basic)	-33.35	-31.16	-5.88	-5.88	-0.99	1.14	Upgrade
EPS (Diluted)	-33.35	-31.16	-5.88	-5.88	-0.99	1.14	Upgrade
EPS Growth	-	-	-	-	-	6.40%	Upgrade
Free Cash Flow	-288.64	61.92	-380.58	536.79	-92.4	585.36	Upgrade
Free Cash Flow Per Share	-2.05	0.44	-2.70	3.81	-0.66	4.16	Upgrade
Dividend Per Share	-	-	-	-	-	1.000	Upgrade
Dividend Growth	-	-	-	-	-	36.67%	Upgrade
Operating Margin	-	-	-	-	45.48%	65.99%	Upgrade
Profit Margin	-	-	-	-	-55.46%	46.53%	Upgrade
Free Cash Flow Margin	-	-	-	-	-36.82%	170.21%	Upgrade
Effective Tax Rate	-	-	-	-	-	26.53%	Upgrade

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.