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
Period Ending	Sep '25 Sep 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
Interest and Dividend Income	284.08	522.59	654.46	791.47	1,594	1,477
Total Interest Expense	931.31	1,045	843.4	870.26	1,049	1,125
Net Interest Income	-647.23	-522.18	-188.94	-78.8	545.03	351.64
Commissions and Fees	11.14	23.69	31.35	68.6	81.53	5.43
Other Revenue	2.26	2.26	1.53	3.08	5.16	16.31
Revenue Before Loan Losses	-633.83	-496.22	-156.06	-7.12	631.71	373.38
Provision for Loan Losses	1,493	1,446	524.12	549.16	380.75	29.47
Revenue	-2,127	-1,943	-680.17	-556.28	250.96	343.91
Revenue Growth (YoY)	-	-	-	-	-27.02%	9.64%
Salaries & Employee Benefits	74.16	75.31	73.26	73.2	72.69	69.37
Cost of Services Provided	18.83	22	25.14	27.57	23.54	21.33
Other Operating Expenses	2,186	2,240	4.7	6.22	4.52	-11.73
Total Operating Expenses	2,312	2,371	135.35	140.67	136.82	116.95
Operating Income	-4,439	-4,314	-815.52	-696.95	114.15	226.95
EBT Excluding Unusual Items	-4,439	-4,314	-815.52	-696.95	114.15	226.95
Gain (Loss) on Sale of Investments	-56.28	-56.28	12.52	-62.23	-196.46	-10.53
Pretax Income	-4,496	-4,370	-803.02	-759.22	-82.32	217.81
Income Tax Expense	8.12	19.55	25.08	69.24	56.85	57.8
Earnings From Continuing Ops.	-4,504	-4,390	-828.1	-828.47	-139.17	160.02
Minority Interest in Earnings	0	0	-0	-0	-0	-0
Net Income	-4,504	-4,390	-828.1	-828.47	-139.17	160.02
Net Income to Common	-4,504	-4,390	-828.1	-828.47	-139.17	160.02
Net Income Growth	-	-	-	-	-	6.40%
Shares Outstanding (Basic)	141	141	141	141	141	141
Shares Outstanding (Diluted)	141	141	141	141	141	141
Shares Change (YoY)	0.30%	-	-	-	-	-
EPS (Basic)	-31.90	-31.16	-5.88	-5.88	-0.99	1.14
EPS (Diluted)	-31.90	-31.16	-5.88	-5.88	-0.99	1.14
EPS Growth	-	-	-	-	-	6.40%
Free Cash Flow	-236.9	61.92	-380.58	536.79	-92.4	585.36
Free Cash Flow Per Share	-1.68	0.44	-2.70	3.81	-0.66	4.16
Dividend Per Share	-	-	-	-	-	1.000
Dividend Growth	-	-	-	-	-	36.67%
Operating Margin	-	-	-	-	45.48%	65.99%
Profit Margin	-	-	-	-	-55.46%	46.53%
Free Cash Flow Margin	-	-	-	-	-36.82%	170.21%
Effective Tax Rate	-	-	-	-	-	26.53%

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