IPDC Finance PLC. (DSE:IPDC)

IPDC Finance PLC. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	10,260	9,496	7,666	7,282	7,016	7,541
Total Interest Expense	7,120	6,436	5,028	4,323	3,769	4,891
Net Interest Income	3,139	3,060	2,638	2,960	3,247	2,650
Commissions and Fees	131.68	142.08	207.35	151.19	180.34	108.38
Revenue Before Loan Losses	3,271	3,202	2,846	3,111	3,427	2,758
Provision for Loan Losses	759.29	811.8	638.77	449.86	673.13	478.14
Revenue	2,512	2,391	2,207	2,661	2,754	2,280
Revenue Growth (YoY)	11.07%	8.33%	-17.07%	-3.37%	20.79%	15.38%
Salaries & Employee Benefits	966.59	923.64	987.69	848.35	724.16	679.09
Cost of Services Provided	257.91	257.35	298.31	309.03	281.68	231.34
Other Operating Expenses	143.68	138.37	102.27	51.87	101.47	38.62
Total Operating Expenses	1,508	1,465	1,547	1,361	1,236	1,076
Operating Income	1,004	925.54	660.15	1,300	1,517	1,204
EBT Excluding Unusual Items	1,004	925.54	660.15	1,300	1,517	1,204
Gain (Loss) on Sale of Investments	-23.28	-53.41	-0.01	-35.42	-13.99	-0.02
Pretax Income	980.62	872.26	660.49	1,264	1,503	1,201
Income Tax Expense	570.44	509.02	317.54	363.35	622.27	495.86
Net Income	410.18	363.23	342.96	901.02	881.06	705.56
Net Income to Common	410.18	363.23	342.96	901.02	881.06	705.56
Net Income Growth	16.76%	5.91%	-61.94%	2.27%	24.87%	25.44%
Shares Outstanding (Basic)	386	390	390	390	390	390
Shares Outstanding (Diluted)	386	390	390	390	390	390
Shares Change (YoY)	0.76%	-	-	-	-	8.35%
EPS (Basic)	1.06	0.93	0.88	2.31	2.26	1.81
EPS (Diluted)	1.06	0.93	0.88	2.31	2.26	1.81
EPS Growth	15.89%	5.91%	-61.94%	2.27%	24.87%	15.78%
Free Cash Flow	4,766	-2,535	164.71	-4,270	-2,498	7,575
Free Cash Flow Per Share	12.35	-6.51	0.42	-10.96	-6.41	19.44
Dividend Per Share	-	0.500	0.476	0.952	1.143	1.143
Dividend Growth	-	5.00%	-50.00%	-16.67%	-	26.01%
Operating Margin	39.96%	38.72%	29.92%	48.85%	55.10%	52.80%
Profit Margin	16.33%	15.19%	15.54%	33.86%	32.00%	30.95%
Free Cash Flow Margin	189.73%	-106.04%	7.46%	-160.49%	-90.70%	332.26%
Effective Tax Rate	58.17%	58.36%	48.08%	28.74%	41.39%	41.27%

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