DSE:ISLAMICFIN 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	742.31	860.18	1,109	1,362	1,668	1,853
Total Interest Expense	830.38	815.77	764.04	868.05	1,117	1,299
Net Interest Income	-88.07	44.41	344.84	493.8	551.36	553.51
Commissions and Fees	1.25	1.49	0.71	4.23	6.74	5.2
Revenue Before Loan Losses	-86.82	45.9	345.55	498.04	558.11	558.72
Provision for Loan Losses	532.97	1,534	310.37	161.41	113.82	-10.94
Revenue	-619.79	-1,488	35.18	336.63	444.28	569.66
Revenue Growth (YoY)	-	-	-89.55%	-24.23%	-22.01%	-5.40%
Salaries & Employee Benefits	140.34	147.43	151.77	120.77	115.98	166.59
Cost of Services Provided	27	26.32	29.53	28.05	27.8	35.6
Other Operating Expenses	9.37	9.27	14.25	14.27	6.22	10.68
Total Operating Expenses	190.01	196.98	211.68	181.23	168.85	236.69
Operating Income	-809.8	-1,685	-176.5	155.39	275.43	332.97
EBT Excluding Unusual Items	-810.11	-1,685	-176.49	157.39	270.3	332.98
Gain (Loss) on Sale of Investments	-5.06	-7.5	-0.8	-6.16	48.94	5.37
Pretax Income	-815.14	-1,693	-178.72	151.23	319.29	338.36
Income Tax Expense	35.3	22.19	51.51	109.09	134.02	122.59
Net Income	-850.44	-1,715	-230.23	42.14	185.27	215.77
Net Income to Common	-850.44	-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)	-0.01%	-	-	-	-	-
EPS (Basic)	-6.07	-12.22	-1.64	0.30	1.32	1.54
EPS (Diluted)	-6.07	-12.22	-1.64	0.30	1.32	1.54
EPS Growth	-	-	-	-77.25%	-14.14%	10.65%
Free Cash Flow	89.5	-110.1	-54.28	-2,377	-263.55	766.56
Free Cash Flow Per Share	0.64	-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%

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