IPDC Finance PLC. 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	10,862	9,496	7,666	7,282	7,016	7,541
Total Interest Expense	7,385	6,436	5,028	4,323	3,769	4,891
Net Interest Income	3,477	3,060	2,638	2,960	3,247	2,650
Commissions and Fees	138.91	142.08	207.35	151.19	180.34	108.38
Revenue Before Loan Losses	3,616	3,202	2,846	3,111	3,427	2,758
Provision for Loan Losses	886.33	811.8	638.77	449.86	673.13	478.14
Revenue	2,729	2,391	2,207	2,661	2,754	2,280
Revenue Growth (YoY)	24.30%	8.33%	-17.07%	-3.37%	20.79%	15.38%
Salaries & Employee Benefits	1,001	923.64	987.69	848.35	724.16	679.09
Cost of Services Provided	249.13	257.35	298.31	309.03	281.68	231.34
Other Operating Expenses	148.76	138.37	102.27	51.87	101.47	38.62
Total Operating Expenses	1,540	1,465	1,547	1,361	1,236	1,076
Operating Income	1,190	925.54	660.15	1,300	1,517	1,204
EBT Excluding Unusual Items	1,190	925.54	660.15	1,300	1,517	1,204
Gain (Loss) on Sale of Investments	-59.99	-53.41	-0.01	-35.42	-13.99	-0.02
Pretax Income	1,130	872.26	660.49	1,264	1,503	1,201
Income Tax Expense	655.17	509.02	317.54	363.35	622.27	495.86
Net Income	474.55	363.23	342.96	901.02	881.06	705.56
Net Income to Common	474.55	363.23	342.96	901.02	881.06	705.56
Net Income Growth	51.46%	5.91%	-61.94%	2.27%	24.87%	25.44%
Shares Outstanding (Basic)	391	390	390	390	390	390
Shares Outstanding (Diluted)	391	390	390	390	390	390
Shares Change (YoY)	1.46%	-	-	-	-	8.35%
EPS (Basic)	1.21	0.93	0.88	2.31	2.26	1.81
EPS (Diluted)	1.21	0.93	0.88	2.31	2.26	1.81
EPS Growth	49.27%	5.91%	-61.94%	2.27%	24.87%	15.78%
Free Cash Flow	3,737	-2,535	164.71	-4,270	-2,498	7,575
Free Cash Flow Per Share	9.56	-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	43.58%	38.72%	29.92%	48.85%	55.10%	52.80%
Profit Margin	17.39%	15.19%	15.54%	33.86%	32.00%	30.95%
Free Cash Flow Margin	136.93%	-106.04%	7.46%	-160.49%	-90.70%	332.26%
Effective Tax Rate	57.99%	58.36%	48.08%	28.74%	41.39%	41.27%

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