Jamuna Bank PLC. (DSE:JAMUNABANK)

Jamuna Bank 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	19,718	20,255	14,934	12,338	11,106	14,235
Interest Paid on Deposits	17,457	16,876	10,516	9,339	8,512	10,466
Net Interest Income	2,261	3,379	4,418	2,999	2,594	3,770
Net Interest Income Growth (YoY)	-49.61%	-23.52%	47.31%	15.62%	-31.19%	-41.56%
Gain (Loss) on Sale of Investments	3.09	-28.87	-3.1	-15.62	30.48	35.59
Other Non-Interest Income	16,376	14,022	11,209	9,895	8,457	7,134
Total Non-Interest Income	16,379	13,993	11,206	9,879	8,488	7,170
Non-Interest Income Growth (YoY)	16.74%	24.88%	13.43%	16.39%	18.39%	43.13%
Revenues Before Loan Losses	18,640	17,372	15,624	12,879	11,082	10,939
Provision for Loan Losses	4,372	2,499	2,373	2,339	999.94	763.95
Revenue	14,268	14,873	13,251	10,540	10,082	10,175
Revenue Growth (YoY)	-11.38%	12.24%	25.72%	4.54%	-0.92%	-1.71%
Salaries and Employee Benefits	5,105	5,036	5,227	4,391	3,426	3,554
Occupancy Expenses	1,205	1,190	1,076	822.19	744.87	580.82
Selling, General & Administrative	979.36	1,023	1,040	906.47	781.16	834.12
Other Non-Interest Expense	1,864	1,770	1,598	1,125	1,059	867.01
Total Non-Interest Expense	9,153	9,020	8,941	7,245	6,011	5,836
EBT Excluding Unusual Items	5,115	5,854	4,310	3,295	4,071	4,339
Pretax Income	5,115	5,854	4,310	3,295	4,071	4,339
Income Tax Expense	2,285	3,060	1,944	1,705	1,559	1,686
Earnings From Continuing Operations	2,830	2,793	2,366	1,589	2,512	2,654
Minority Interest in Earnings	-0	-0	-0	0	-0	0
Net Income	2,830	2,793	2,366	1,589	2,512	2,654
Net Income to Common	2,830	2,793	2,366	1,589	2,512	2,654
Net Income Growth	-10.66%	18.04%	48.91%	-36.75%	-5.32%	4.79%
Basic Shares Outstanding	939	939	939	939	939	939
Diluted Shares Outstanding	939	939	939	939	939	939
Shares Change (YoY)	-0.07%	-	-	-	-	-
EPS (Basic)	3.01	2.97	2.52	1.69	2.67	2.83
EPS (Diluted)	3.01	2.97	2.52	1.69	2.67	2.83
EPS Growth	-10.60%	18.04%	48.91%	-36.75%	-5.32%	4.79%
Dividend Per Share	1.643	1.643	1.514	1.396	1.396	1.396
Dividend Growth	8.50%	8.50%	8.50%	-	-	16.67%
Effective Tax Rate	44.67%	52.28%	45.10%	51.77%	38.29%	38.85%

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