IFIC Bank 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 Income on Loans	23,276	39,940	32,854	26,293	22,591	21,170
Interest Paid on Deposits	43,045	37,408	24,477	18,194	15,426	18,293
Net Interest Income	-19,770	2,533	8,377	8,099	7,165	2,878
Net Interest Income Growth (YoY)	-	-69.77%	3.43%	13.04%	148.97%	-55.39%
Gain (Loss) on Sale of Assets	4.45	4.45	25.93	2.01	-15.24	-4.91
Gain (Loss) on Sale of Investments	-68.58	-960.8	272.04	-2.42	1,388	263.01
Other Non-Interest Income	9,631	9,288	6,909	7,458	5,815	5,694
Total Non-Interest Income	9,567	8,332	7,207	7,458	7,188	5,952
Non-Interest Income Growth (YoY)	16.38%	15.60%	-3.36%	3.76%	20.75%	33.45%
Revenues Before Loan Losses	-10,203	10,864	15,584	15,557	14,353	8,830
Provision for Loan Losses	-26.8	1,583	1,077	2,151	2,685	1,499
Revenue	-10,176	9,281	14,508	13,406	11,668	7,332
Revenue Growth (YoY)	-	-36.02%	8.22%	14.89%	59.15%	-21.83%
Salaries and Employee Benefits	5,085	4,964	4,446	3,625	3,117	2,571
Occupancy Expenses	2,386	2,102	1,898	1,599	1,313	1,160
Selling, General & Administrative	2,077	2,346	1,983	1,599	1,152	808.68
Other Non-Interest Expense	2,524	2,539	1,926	1,662	1,178	1,068
Total Non-Interest Expense	12,073	11,961	10,222	8,426	6,504	5,085
EBT Excluding Unusual Items	-22,248	-2,679	4,286	4,979	5,164	2,247
Pretax Income	-22,248	-2,679	4,286	4,979	5,164	2,247
Income Tax Expense	-2,279	-1,473	1,280	1,537	2,622	1,114
Earnings From Continuing Operations	-19,970	-1,206	3,005	3,442	2,541	1,133
Minority Interest in Earnings	-0	0	-0	-0	-0	-0
Net Income	-19,970	-1,206	3,005	3,442	2,541	1,133
Net Income to Common	-19,970	-1,206	3,005	3,442	2,541	1,133
Net Income Growth	-	-	-12.70%	35.46%	124.29%	-59.93%
Basic Shares Outstanding	1,922	1,922	1,922	1,922	1,922	1,922
Diluted Shares Outstanding	1,922	1,922	1,922	1,922	1,922	1,922
EPS (Basic)	-10.39	-0.63	1.56	1.79	1.32	0.59
EPS (Diluted)	-10.39	-0.63	1.56	1.79	1.32	0.59
EPS Growth	-	-	-12.70%	35.46%	124.29%	-59.93%
Dividend Per Share	-	-	-	0.232	-	-
Effective Tax Rate	-	-	29.88%	30.87%	50.79%	49.57%

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