DSE:GSPFINANCE 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	147.35	116.77	263.41	904.73	978.88	884.94
Total Interest Expense	829.07	486.92	391.95	352	395.69	496.28
Net Interest Income	-681.71	-370.15	-128.54	552.73	583.19	388.66
Commissions and Fees	0.2	0.7	0.17	5.02	7.01	5.07
Other Revenue	6.9	5.61	3.23	10.8	10.06	15.55
Revenue Before Loan Losses	-674.62	-363.84	-125.14	568.55	600.26	409.28
Provision for Loan Losses	1,155	1,432	1,377	697.55	205.97	5.26
Revenue	-1,830	-1,796	-1,502	-129	394.29	404.02
Revenue Growth (YoY)	-	-	-	-	-2.41%	46.08%
Salaries & Employee Benefits	37.5	37.51	48.63	38.81	31.65	43.66
Cost of Services Provided	8.28	6.71	7.73	10.72	9.85	8.8
Other Operating Expenses	-4.17	-0.26	5.8	0.6	-18.49	-10.59
Total Operating Expenses	46.79	51.16	69.37	55.73	27.42	46.91
Operating Income	-1,877	-1,847	-1,572	-184.73	366.87	357.11
EBT Excluding Unusual Items	-1,877	-1,847	-1,572	-184.26	366.87	357.11
Other Unusual Items	-	-	-	-	-	-0.55
Pretax Income	-1,877	-1,847	-1,525	-163.25	366.87	356.56
Income Tax Expense	10.17	5.44	3.49	7.04	140.13	135.93
Earnings From Continuing Ops.	-1,887	-1,852	-1,529	-170.29	226.74	220.63
Minority Interest in Earnings	0	0	0	0	-0	-0
Net Income	-1,887	-1,852	-1,529	-170.29	226.74	220.63
Net Income to Common	-1,887	-1,852	-1,529	-170.29	226.74	220.63
Net Income Growth	-	-	-	-	2.77%	17.27%
Shares Outstanding (Basic)	157	157	157	157	157	157
Shares Outstanding (Diluted)	157	157	157	157	157	157
Shares Change (YoY)	-	-	-	-	-	4.26%
EPS (Basic)	-12.01	-11.79	-9.73	-1.08	1.44	1.40
EPS (Diluted)	-12.01	-11.79	-9.73	-1.08	1.44	1.40
EPS Growth	-	-	-	-	2.77%	12.48%
Free Cash Flow	-204.93	-166.28	-266.1	-181.45	121.1	19.16
Free Cash Flow Per Share	-1.30	-1.06	-1.69	-1.16	0.77	0.12
Dividend Per Share	-	-	-	-	-	0.521
Dividend Growth	-	-	-	-	-	1.28%
Operating Margin	-	-	-	-	93.05%	88.39%
Profit Margin	-	-	-	-	57.50%	54.61%
Free Cash Flow Margin	-	-	-	-	30.71%	4.74%
Effective Tax Rate	-	-	-	-	38.20%	38.12%
Revenue as Reported	-	-	-	595.84	-	-

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