Janata Insurance 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
Premiums & Annuity Revenue	395.23	413.87	404.84	333.16	212.47	179.14
Total Interest & Dividend Income	33.71	30.72	26.14	23.84	27.3	27.91
Gain (Loss) on Sale of Investments	-	-	0.06	0.06	6.09	0.09
Other Revenue	24.37	40.36	25.71	25.6	31.34	32.17
Total Revenue	453.31	484.94	456.75	382.66	277.2	239.31
Revenue Growth (YoY)	-7.68%	6.17%	19.36%	38.05%	15.83%	2.80%
Policy Benefits	193.52	183.97	176.86	144.48	65.58	35.4
Policy Acquisition & Underwriting Costs	72.4	72.4	62.55	49.69	17.96	36.22
Depreciation & Amortization	8.01	8.01	8.92	7.38	7.1	6.6
Selling, General & Administrative	86.67	111.95	108.23	84.56	89.62	65.7
Other Operating Expenses	2.82	2.82	3	2.6	0.66	0.91
Total Operating Expenses	371.62	387.36	365.44	295.95	190.13	156.44
Operating Income	81.68	97.58	91.31	86.7	87.07	82.87
Interest Expense	-0.63	-0.63	-0.51	-	-3.09	-3.5
Other Non Operating Income (Expenses)	-2.04	-2.04	-1.63	-1.64	-2.06	-2.36
EBT Excluding Unusual Items	79.01	94.91	89.16	85.06	81.92	77.02
Pretax Income	79.01	94.91	89.16	85.06	81.92	77.02
Income Tax Expense	28.01	33.86	31.26	29.01	28.41	25.06
Net Income	51	61.04	57.9	56.05	53.51	51.95
Net Income to Common	51	61.04	57.9	56.05	53.51	51.95
Net Income Growth	-21.07%	5.42%	3.30%	4.76%	2.99%	13.29%
Shares Outstanding (Basic)	48	48	48	48	48	48
Shares Outstanding (Diluted)	48	48	48	48	48	48
EPS (Basic)	1.05	1.26	1.19	1.16	1.10	1.07
EPS (Diluted)	1.05	1.26	1.19	1.16	1.10	1.07
EPS Growth	-21.07%	5.42%	3.30%	4.76%	2.99%	13.29%
Free Cash Flow	31.01	42.24	114.21	82.23	74.02	62.2
Free Cash Flow Per Share	0.64	0.87	2.36	1.70	1.53	1.28
Dividend Per Share	0.577	0.577	1.058	1.058	0.549	0.523
Dividend Growth	-45.46%	-45.46%	-	92.48%	5.01%	-40.00%
Operating Margin	18.02%	20.12%	19.99%	22.66%	31.41%	34.63%
Profit Margin	11.25%	12.59%	12.68%	14.65%	19.30%	21.71%
Free Cash Flow Margin	6.84%	8.71%	25.01%	21.49%	26.70%	25.99%
EBITDA	90.27	104.97	100.23	94.06	94.17	89.47
EBITDA Margin	19.91%	21.65%	21.94%	24.58%	33.97%	37.39%
D&A For EBITDA	8.59	7.39	8.92	7.36	7.1	6.6
EBIT	81.68	97.58	91.31	86.7	87.07	82.87
EBIT Margin	18.02%	20.12%	19.99%	22.66%	31.41%	34.63%
Effective Tax Rate	35.45%	35.68%	35.06%	34.10%	34.68%	32.54%

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