Islami Insurance Bangladesh Limited (DSE:ISLAMIINS)

DSE:ISLAMIINS 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	304.13	287.66	267.07	626.12	497.48	497.48
Total Interest & Dividend Income	84.88	75.58	50.52	45.6	42.64	39.4
Other Revenue	20.42	25.6	23.47	33.29	32.82	32.82
Total Revenue	409.44	388.83	341.05	711.23	572.94	569.7
Revenue Growth (YoY)	3.12%	14.01%	-52.05%	24.14%	0.57%	25.69%
Policy Benefits	-142.24	-161.89	-201.18	-252.95	16.35	129.89
Policy Acquisition & Underwriting Costs	96.58	93.99	83.31	124.84	69.15	94.4
Depreciation & Amortization	26.92	26.92	31.86	27.37	26.02	18.39
Selling, General & Administrative	239.04	248.58	270.22	390.11	209.37	207.01
Other Operating Expenses	-	-	-	-	-1.72	-
Total Operating Expenses	230.91	219.5	194.21	299.68	329.46	457.68
Operating Income	178.53	169.34	146.85	411.55	243.48	112.02
Interest Expense	-0.52	-0.52	-0.66	-0.75	-0.96	-0.62
Other Non Operating Income (Expenses)	-0.81	-0.81	-0.87	-254.74	-79.68	-1.87
EBT Excluding Unusual Items	177.2	168.01	145.31	156.06	162.84	109.54
Gain (Loss) on Sale of Investments	-0.77	-0.77	-0.04	-	3.15	-
Gain (Loss) on Sale of Assets	0.77	0.77	0.03	-	-0.04	-1.33
Pretax Income	177.2	168.01	145.3	156.06	165.95	108.21
Income Tax Expense	36.41	27.55	26.03	29.71	38.03	26.66
Net Income	140.79	140.46	119.27	126.35	127.92	81.55
Net Income to Common	140.79	140.46	119.27	126.35	127.92	81.55
Net Income Growth	17.30%	17.76%	-5.60%	-1.23%	56.86%	32.30%
Shares Outstanding (Basic)	41	41	41	41	41	41
Shares Outstanding (Diluted)	41	41	41	41	41	41
EPS (Basic)	3.42	3.41	2.90	3.07	3.11	1.98
EPS (Diluted)	3.42	3.41	2.90	3.07	3.11	1.98
EPS Growth	17.30%	17.76%	-5.60%	-1.23%	56.86%	32.30%
Free Cash Flow	27.36	64.19	-42.08	38.6	222.79	166.98
Free Cash Flow Per Share	0.67	1.56	-1.02	0.94	5.41	4.06
Dividend Per Share	2.000	2.000	1.500	1.250	1.250	-
Dividend Growth	33.33%	33.33%	20.00%	-	-	-
Operating Margin	43.60%	43.55%	43.06%	57.87%	42.50%	19.66%
Profit Margin	34.38%	36.12%	34.97%	17.76%	22.33%	14.31%
Free Cash Flow Margin	6.68%	16.51%	-12.34%	5.43%	38.88%	29.31%
EBITDA	194.09	186.14	165.24	427.64	258.39	120.19
EBITDA Margin	47.40%	47.87%	48.45%	60.13%	45.10%	21.10%
D&A For EBITDA	15.56	16.8	18.39	16.09	14.91	8.17
EBIT	178.53	169.34	146.85	411.55	243.48	112.02
EBIT Margin	43.60%	43.55%	43.06%	57.87%	42.50%	19.66%
Effective Tax Rate	20.55%	16.40%	17.91%	19.04%	22.91%	24.64%

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