Chartered Life Insurance PLC (DSE:CLICL)

Chartered Life Insurance 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
Premiums & Annuity Revenue	894.91	845.09	942.9	737.97	506.28	308.68
Total Interest & Dividend Income	73.48	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	0.97	0.97	-	-	0.01	1.43
Total Revenue	969.36	901.74	984.47	764.83	552.86	334.72
Revenue Growth (YoY)	0.83%	-8.40%	28.72%	38.34%	65.17%	79.60%
Policy Benefits	437.61	414.4	372.43	234.78	153.17	64.47
Policy Acquisition & Underwriting Costs	67.76	76.05	77.86	58.59	37.78	27.72
Depreciation & Amortization	24.98	31.25	37.1	29.31	12.95	6.56
Selling, General & Administrative	57.95	59.08	65.7	73.56	58.13	28.48
Other Operating Expenses	124.34	102.53	134.75	97.1	66.95	40.67
Reinsurance Income or Expense	0.39	0.38	0.57	-	-	-
Total Operating Expenses	839.36	803.68	801.9	609.7	401.15	215.21
Operating Income	130	98.06	182.57	155.13	151.71	119.51
Interest Expense	-2.01	-1.89	-5.14	-2.5	-	-
Other Non Operating Income (Expenses)	1.2	-1.21	-2.33	-15.84	-8.02	-2.66
EBT Excluding Unusual Items	129.19	94.95	175.1	136.8	143.7	116.84
Gain (Loss) on Sale of Assets	0.9	0.96	1.17	0.03	1.39	0.4
Other Unusual Items	0.12	-	-	-6.37	-	-
Pretax Income	130.21	95.92	176.27	130.47	145.09	117.24
Income Tax Expense	10.08	6.65	21.89	19.23	8.54	1.69
Net Income	120.14	89.27	154.37	111.24	136.54	115.56
Net Income to Common	120.14	89.27	154.37	111.24	136.54	115.56
Net Income Growth	-7.39%	-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)	3.20	2.38	4.12	2.97	6.07	5.14
EPS (Diluted)	3.20	2.38	4.12	2.97	6.07	5.14
EPS Growth	-7.39%	-42.18%	38.77%	-51.12%	18.16%	67.29%
Free Cash Flow	71.36	80.1	87.24	55.41	-4.69	50.31
Free Cash Flow Per Share	1.90	2.14	2.33	1.48	-0.21	2.24
Dividend Per Share	-	-	0.250	0.200	-	-
Dividend Growth	-	-	25.00%	-	-	-
Operating Margin	13.41%	10.87%	18.55%	20.28%	27.44%	35.70%
Profit Margin	12.39%	9.90%	15.68%	14.54%	24.70%	34.52%
Free Cash Flow Margin	7.36%	8.88%	8.86%	7.25%	-0.85%	15.03%
EBITDA	141.24	110.75	197.2	176.52	164.66	126.07
EBITDA Margin	14.57%	12.28%	20.03%	23.08%	29.78%	37.66%
D&A For EBITDA	11.24	12.69	14.64	21.39	12.95	6.56
EBIT	130	98.06	182.57	155.13	151.71	119.51
EBIT Margin	13.41%	10.87%	18.55%	20.28%	27.44%	35.70%
Effective Tax Rate	7.74%	6.94%	12.42%	14.74%	5.89%	1.44%

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