Bangladesh Finance PLC. 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	168.07	1,006	1,231	1,759	1,981	1,821
Total Interest Expense	1,694	1,534	1,081	1,029	1,001	1,194
Net Interest Income	-1,525	-528.31	149.44	729.56	979.28	627.29
Commissions and Fees	32.87	51.79	69.8	109.7	123.72	50.03
Other Revenue	6.13	6.13	8.22	26.25	5.12	2.17
Revenue Before Loan Losses	-1,486	-470.39	227.46	865.51	1,108	679.48
Provision for Loan Losses	503.82	254.32	-90	20	30	20
Revenue	-1,990	-724.71	317.46	845.51	1,078	659.48
Revenue Growth (YoY)	-	-	-62.45%	-21.57%	63.48%	49.33%
Salaries & Employee Benefits	236.52	226.62	219.98	223.39	165.61	133.26
Cost of Services Provided	36.95	37.92	42.62	49.35	44.12	24.82
Other Operating Expenses	5.89	-8.82	-38.13	14.32	9	-16.97
Total Operating Expenses	336.5	315.41	293	347.29	269.32	194.65
Operating Income	-2,327	-1,040	24.47	498.22	808.79	464.83
EBT Excluding Unusual Items	-2,327	-1,040	26.47	499.72	805.29	464.83
Gain (Loss) on Sale of Investments	-6,116	-7,592	-1,073	-186.33	-281.86	-13.7
Pretax Income	-8,443	-8,633	-1,046	313.38	523.43	451.13
Income Tax Expense	-817.16	-694.72	-3.95	8.66	199.64	136.54
Earnings From Continuing Ops.	-7,626	-7,938	-1,042	304.73	323.8	314.59
Minority Interest in Earnings	79.26	104.7	-11.35	-68.71	-67.95	-13.67
Net Income	-7,547	-7,833	-1,054	236.02	255.84	300.91
Net Income to Common	-7,547	-7,833	-1,054	236.02	255.84	300.91
Net Income Growth	-	-	-	-7.75%	-14.98%	59.95%
Shares Outstanding (Basic)	187	188	188	188	188	188
Shares Outstanding (Diluted)	187	188	188	188	188	188
Shares Change (YoY)	-0.13%	-	-	-	-	-
EPS (Basic)	-40.34	-41.61	-5.60	1.25	1.36	1.60
EPS (Diluted)	-40.34	-41.61	-5.60	1.25	1.36	1.60
EPS Growth	-	-	-	-7.75%	-14.98%	59.95%
Free Cash Flow	-130.54	-127.31	236.07	334.84	1,135	478.46
Free Cash Flow Per Share	-0.70	-0.68	1.25	1.78	6.03	2.54
Dividend Per Share	-	-	-	1.000	0.566	0.534
Dividend Growth	-	-	-	76.68%	5.99%	-40.00%
Operating Margin	-	-	7.71%	58.93%	75.02%	70.48%
Profit Margin	-	-	-331.95%	27.91%	23.73%	45.63%
Free Cash Flow Margin	-	-	74.36%	39.60%	105.30%	72.55%
Effective Tax Rate	-	-	-	2.76%	38.14%	30.27%

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