Islamic Finance and Investment PLC. (DSE:ISLAMICFIN)

DSE:ISLAMICFIN 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	763.19	860.18	1,109	1,362	1,668	1,853
Total Interest Expense	832.64	815.77	764.04	868.05	1,117	1,299
Net Interest Income	-69.45	44.41	344.84	493.8	551.36	553.51
Commissions and Fees	0.91	1.49	0.71	4.23	6.74	5.2
Revenue Before Loan Losses	-68.54	45.9	345.55	498.04	558.11	558.72
Provision for Loan Losses	1,231	1,534	310.37	161.41	113.82	-10.94
Revenue	-1,299	-1,488	35.18	336.63	444.28	569.66
Revenue Growth (YoY)	-	-	-89.55%	-24.23%	-22.01%	-5.40%
Salaries & Employee Benefits	141.15	147.43	151.77	120.77	115.98	166.59
Cost of Services Provided	24.45	26.32	29.53	28.05	27.8	35.6
Other Operating Expenses	11.04	9.27	14.25	14.27	6.22	10.68
Total Operating Expenses	191.21	196.98	211.68	181.23	168.85	236.69
Operating Income	-1,491	-1,685	-176.5	155.39	275.43	332.97
EBT Excluding Unusual Items	-1,491	-1,685	-176.49	157.39	270.3	332.98
Gain (Loss) on Sale of Investments	-9.47	-7.5	-0.8	-6.16	48.94	5.37
Pretax Income	-1,500	-1,693	-178.72	151.23	319.29	338.36
Income Tax Expense	29.78	22.19	51.51	109.09	134.02	122.59
Net Income	-1,530	-1,715	-230.23	42.14	185.27	215.77
Net Income to Common	-1,530	-1,715	-230.23	42.14	185.27	215.77
Net Income Growth	-	-	-	-77.25%	-14.14%	10.65%
Shares Outstanding (Basic)	140	140	140	140	140	140
Shares Outstanding (Diluted)	140	140	140	140	140	140
Shares Change (YoY)	3.34%	-	-	-	-	-
EPS (Basic)	-10.93	-12.22	-1.64	0.30	1.32	1.54
EPS (Diluted)	-10.93	-12.22	-1.64	0.30	1.32	1.54
EPS Growth	-	-	-	-77.25%	-14.14%	10.65%
Free Cash Flow	-117.03	-110.1	-54.28	-2,377	-263.55	766.56
Free Cash Flow Per Share	-0.84	-0.79	-0.39	-16.94	-1.88	5.46
Dividend Per Share	-	-	-	0.500	1.050	1.000
Dividend Growth	-	-	-	-52.38%	5.00%	-
Operating Margin	-	-	-501.72%	46.16%	61.99%	58.45%
Profit Margin	-	-	-654.45%	12.52%	41.70%	37.88%
Free Cash Flow Margin	-	-	-154.31%	-706.22%	-59.32%	134.56%
Effective Tax Rate	-	-	-	72.14%	41.97%	36.23%

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