Chartered Life Insurance PLC (DSE:CLICL)

United States Steel 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	896.84	845.09	942.9	737.97	506.28	308.68
Total Interest & Dividend Income	60.46	55.68	40.45	29.39	23.03	20.34
Gain (Loss) on Sale of Investments	-	-	1.12	-2.53	23.53	4.27
Other Revenue	1.08	1.08	0.11	-	0.01	1.43
Total Revenue	958.39	901.84	984.57	764.83	552.86	334.72
Revenue Growth (YoY)	0.48%	-8.40%	28.73%	38.34%	65.17%	79.60%
Policy Benefits	432.7	414.4	372.43	234.78	153.17	64.47
Policy Acquisition & Underwriting Costs	68.71	76.05	77.86	58.59	37.78	27.72
Depreciation & Amortization	29.27	31.25	37.1	29.31	12.95	6.56
Selling, General & Administrative	60.04	58.5	65.7	73.56	58.13	28.48
Other Operating Expenses	106.26	102.53	134.75	97.1	66.95	40.67
Reinsurance Income or Expense	0.44	0.38	0.57	-	-	-
Total Operating Expenses	820.8	803.11	801.9	609.7	401.15	215.21
Operating Income	137.59	98.74	182.68	155.13	151.71	119.51
Interest Expense	-1.84	-1.89	-5.14	-2.5	-	-
Other Non Operating Income (Expenses)	-1.37	-1.89	-2.44	-15.84	-8.02	-2.66
EBT Excluding Unusual Items	134.37	94.95	175.1	136.8	143.7	116.84
Gain (Loss) on Sale of Assets	0.91	0.96	1.17	0.03	1.39	0.4
Other Unusual Items	-	-	-	-6.37	-	-
Pretax Income	135.28	95.92	176.27	130.47	145.09	117.24
Income Tax Expense	8.65	6.65	21.89	19.23	8.54	1.69
Net Income	126.63	89.27	154.37	111.24	136.54	115.56
Net Income to Common	126.63	89.27	154.37	111.24	136.54	115.56
Net Income Growth	23.94%	-42.18%	38.77%	-18.53%	18.16%	109.11%
Shares Outstanding (Basic)	38	38	38	38	23	23
Shares Outstanding (Diluted)	38	38	38	38	23	23
Shares Change (YoY)	-	-	-	66.67%	-	25.00%
EPS (Basic)	3.38	2.38	4.12	2.97	6.07	5.14
EPS (Diluted)	3.38	2.38	4.12	2.97	6.07	5.14
EPS Growth	23.94%	-42.18%	38.77%	-51.12%	18.16%	67.29%
Free Cash Flow	10.72	80.1	87.24	55.41	-4.69	50.31
Free Cash Flow Per Share	0.29	2.14	2.33	1.48	-0.21	2.24
Dividend Per Share	-	-	0.250	0.200	-	-
Dividend Growth	-	-	25.00%	-	-	-
Operating Margin	14.36%	10.95%	18.55%	20.28%	27.44%	35.70%
Profit Margin	13.21%	9.90%	15.68%	14.54%	24.70%	34.52%
Free Cash Flow Margin	1.12%	8.88%	8.86%	7.25%	-0.85%	15.03%
EBITDA	149.69	111.43	197.31	176.52	164.66	126.07
EBITDA Margin	15.62%	12.36%	20.04%	23.08%	29.78%	37.66%
D&A For EBITDA	12.1	12.69	14.64	21.39	12.95	6.56
EBIT	137.59	98.74	182.68	155.13	151.71	119.51
EBIT Margin	14.36%	10.95%	18.55%	20.28%	27.44%	35.70%
Effective Tax Rate	6.40%	6.94%	12.42%	14.74%	5.89%	1.44%

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