DBH 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	9,084	8,148	6,114	4,976	5,179	5,933
Total Interest Expense	6,651	5,796	4,130	3,045	2,890	3,960
Net Interest Income	2,432	2,352	1,984	1,931	2,289	1,973
Commissions and Fees	185.26	176.74	163.85	182.89	177.52	155.86
Other Revenue	21.77	16.35	17.22	17.95	15.75	9.29
Revenue Before Loan Losses	2,639	2,545	2,165	2,132	2,482	2,138
Provision for Loan Losses	166.62	29.31	-36.5	-164.28	226.29	151.61
Revenue	2,473	2,516	2,201	2,296	2,256	1,986
Revenue Growth (YoY)	2.07%	14.29%	-4.13%	1.79%	13.57%	-6.34%
Salaries & Employee Benefits	544.89	484.51	399.82	377.44	364.35	354.08
Cost of Services Provided	90.98	84.97	89.1	96.38	88	67.4
Other Operating Expenses	76.51	70	71.24	64.85	46.11	31.67
Total Operating Expenses	803.51	722.45	634.79	609.52	564.59	514.09
Operating Income	1,669	1,793	1,567	1,687	1,691	1,472
EBT Excluding Unusual Items	1,669	1,793	1,567	1,687	1,691	1,472
Gain (Loss) on Sale of Investments	47.26	-83.59	-5.82	-105.95	33.8	24.9
Pretax Income	1,718	1,711	1,561	1,580	1,721	1,498
Income Tax Expense	706.42	702.4	576.74	563.53	677.16	607.23
Net Income	1,011	1,009	984.45	1,017	1,044	890.93
Net Income to Common	1,011	1,009	984.45	1,017	1,044	890.93
Net Income Growth	1.40%	2.45%	-3.17%	-2.60%	17.17%	-16.99%
Shares Outstanding (Basic)	203	203	203	203	203	203
Shares Outstanding (Diluted)	203	203	203	203	203	203
EPS (Basic)	4.98	4.97	4.85	5.01	5.15	4.39
EPS (Diluted)	4.98	4.97	4.85	5.01	5.15	4.39
EPS Growth	1.40%	2.45%	-3.17%	-2.60%	17.17%	-16.99%
Free Cash Flow	4,847	-146.71	8,548	-3,858	-18.07	2,757
Free Cash Flow Per Share	23.89	-0.72	42.13	-19.02	-0.09	13.59
Dividend Per Share	1.471	1.471	1.471	1.442	1.311	1.140
Dividend Growth	-	-	2.00%	10.00%	15.00%	-13.75%
Operating Margin	67.51%	71.28%	71.16%	73.45%	74.97%	74.12%
Profit Margin	40.89%	40.09%	44.72%	44.28%	46.28%	44.85%
Free Cash Flow Margin	196.01%	-5.83%	388.30%	-168.04%	-0.80%	138.82%
Effective Tax Rate	41.13%	41.05%	36.94%	35.66%	39.35%	40.53%

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