IDLC Finance PLC. Income Statement

Financials in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	20,095	16,209	12,846	11,548	11,683
Total Interest Expense	12,631	9,970	7,556	6,121	5,455
Net Interest Income	7,464	6,240	5,290	5,427	6,228
Commissions and Fees	412.11	403.82	357.69	588.49	931.45
Other Revenue	-	-	-	337.29	217.38
Revenue Before Loan Losses	7,876	6,643	5,647	6,353	7,377
Provision for Loan Losses	597.89	618.67	997.19	803.2	1,110
Revenue	7,278	6,025	4,650	5,549	6,267
Revenue Growth (YoY)	20.81%	29.56%	-16.21%	-11.44%	2.52%
Salaries & Employee Benefits	2,095	1,933	1,862	1,801	1,745
Cost of Services Provided	382.09	331.6	363.91	409.42	319.11
Other Operating Expenses	-41.93	-135.66	-242.58	203.86	218.79
Total Operating Expenses	2,765	2,435	2,251	2,654	2,535
Operating Income	4,513	3,590	2,399	2,895	3,732
EBT Excluding Unusual Items	4,513	3,590	2,399	2,895	3,732
Gain (Loss) on Sale of Investments	-290.79	-81.39	12.23	-283.95	-39.57
Pretax Income	4,222	3,509	2,411	2,618	3,702
Income Tax Expense	1,788	1,506	897.44	703.06	1,586
Earnings From Continuing Ops.	2,434	2,003	1,514	1,915	2,116
Minority Interest in Earnings	-0	-0	-0	-0	-0
Net Income	2,434	2,003	1,514	1,915	2,116
Net Income to Common	2,434	2,003	1,514	1,915	2,116
Net Income Growth	21.51%	32.32%	-20.94%	-9.52%	-16.71%
Shares Outstanding (Basic)	436	436	437	436	436
Shares Outstanding (Diluted)	436	436	437	436	436
Shares Change (YoY)	-0.04%	-0.07%	0.03%	-	-
EPS (Basic)	5.58	4.59	3.47	4.39	4.85
EPS (Diluted)	5.58	4.59	3.47	4.39	4.85
EPS Growth	21.55%	32.42%	-20.96%	-9.52%	-16.71%
Free Cash Flow	22,593	355.44	-10,282	-8,868	17,886
Free Cash Flow Per Share	51.80	0.81	-23.55	-20.32	40.98
Dividend Per Share	-	1.429	1.429	1.429	1.361
Dividend Growth	-	-	-	5.00%	5.01%
Operating Margin	62.00%	59.59%	51.59%	52.17%	59.55%
Profit Margin	33.44%	33.24%	32.55%	34.50%	33.77%
Free Cash Flow Margin	310.41%	5.90%	-221.13%	-159.80%	285.42%
Effective Tax Rate	42.36%	42.92%	37.22%	26.86%	42.84%

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