DSE:ICICL 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
Premiums & Annuity Revenue	427.29	447.07	361.18	363.47	335.12	360.73
Total Interest & Dividend Income	51.7	50.88	45.14	26.09	17.62	13.76
Other Revenue	28.14	28.14	24.1	28.01	34.79	34.28
Total Revenue	507.13	526.08	430.41	417.57	387.53	408.78
Revenue Growth (YoY)	17.24%	22.23%	3.08%	7.75%	-5.20%	0.01%
Policy Benefits	32.07	32.07	24.32	43.97	86.81	99.34
Policy Acquisition & Underwriting Costs	76.02	76.02	57.35	47.26	22.51	63.43
Depreciation & Amortization	5.86	7.49	7.42	7.01	7.86	8.94
Selling, General & Administrative	309.64	309.24	251.25	219.06	193.16	176.34
Other Operating Expenses	-0.06	2.37	1.07	1.07	0.69	1.97
Total Operating Expenses	423.53	427.19	341.42	318.37	314.93	352.33
Operating Income	83.61	98.89	88.99	99.2	72.6	56.44
Other Non Operating Income (Expenses)	-3.63	-2.05	-3.35	-7.62	-9.55	-2.17
EBT Excluding Unusual Items	79.97	96.84	85.64	91.58	63.05	54.28
Gain (Loss) on Sale of Assets	-0.01	-9.03	2.32	-1.97	14.95	-7.93
Pretax Income	79.97	87.81	87.96	89.61	78	46.34
Income Tax Expense	26.81	29.17	28.5	29.92	20.12	15.09
Net Income	53.15	58.64	59.46	59.69	57.87	31.25
Preferred Dividends & Other Adjustments	1.99	1.99	2.93	7.55	2.5	-
Net Income to Common	51.17	56.65	56.54	52.14	55.37	31.25
Net Income Growth	-3.68%	-1.38%	-0.38%	3.14%	85.17%	-7.45%
Shares Outstanding (Basic)	51	51	51	51	30	30
Shares Outstanding (Diluted)	51	51	51	51	30	30
Shares Change (YoY)	-	-	-	66.67%	-	3.00%
EPS (Basic)	1.01	1.12	1.12	1.03	1.82	1.03
EPS (Diluted)	1.01	1.12	1.12	1.03	1.82	1.03
EPS Growth	-2.09%	0.21%	8.43%	-43.50%	77.18%	-10.14%
Free Cash Flow	35.24	-1.72	64.11	77.7	100.54	-0.66
Free Cash Flow Per Share	0.70	-0.03	1.27	1.53	3.31	-0.02
Dividend Per Share	1.000	1.000	1.000	1.000	1.000	0.700
Dividend Growth	-	-	-	-	42.86%	-
Operating Margin	16.49%	18.80%	20.68%	23.76%	18.73%	13.81%
Profit Margin	10.09%	10.77%	13.13%	12.49%	14.29%	7.65%
Free Cash Flow Margin	6.95%	-0.33%	14.89%	18.61%	25.94%	-0.16%
EBITDA	89.35	106.26	96.27	106.21	80.46	65.38
EBITDA Margin	17.62%	20.20%	22.37%	25.44%	20.76%	16.00%
D&A For EBITDA	5.74	7.37	7.28	7.01	7.86	8.94
EBIT	83.61	98.89	88.99	99.2	72.6	56.44
EBIT Margin	16.49%	18.80%	20.68%	23.76%	18.73%	13.81%
Effective Tax Rate	33.53%	33.22%	32.40%	33.39%	25.80%	32.56%
Revenue as Reported	104.5	104.5	102.91	-	-	-

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