LankaBangla Finance PLC. 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	9,534	9,730	7,887	7,748	8,248	8,462
Total Interest Expense	6,669	6,628	5,550	5,014	4,873	5,972
Net Interest Income	2,865	3,101	2,337	2,735	3,375	2,490
Commissions and Fees	580.74	595.09	484.8	777.37	1,285	496.35
Other Revenue	858.24	748.86	742.24	748.49	722.6	709.6
Revenue Before Loan Losses	4,304	4,445	3,564	4,260	5,383	3,696
Provision for Loan Losses	916.28	615.65	761.57	538.38	868.79	290.07
Revenue	3,388	3,830	2,802	3,722	4,514	3,406
Revenue Growth (YoY)	-0.74%	36.66%	-24.71%	-17.54%	32.55%	-9.64%
Salaries & Employee Benefits	1,409	1,368	1,260	1,361	1,384	1,275
Cost of Services Provided	769.15	815.87	750.16	664.35	631.32	590.45
Other Operating Expenses	622.63	674.21	638.11	598.01	591.04	505.33
Total Operating Expenses	2,801	2,859	2,648	2,623	2,607	2,371
Operating Income	587.19	971.06	154.08	1,099	1,907	1,035
Currency Exchange Gain (Loss)	0.01	0.01	0.02	0.02	-0	-0
EBT Excluding Unusual Items	557.08	941.56	152.23	1,101	1,896	1,033
Gain (Loss) on Sale of Investments	-48.48	-260.51	-49.81	-159.41	37.58	140.74
Impairment of Goodwill	-	-	-	-	-234.14	-
Pretax Income	511.45	683.91	752.13	946.57	1,705	1,178
Income Tax Expense	286.41	394.97	359.36	285.2	399.5	199.77
Earnings From Continuing Ops.	225.04	288.93	392.76	661.38	1,306	978.52
Minority Interest in Earnings	-16.74	-15.38	-15.25	-11.56	-25.34	-4.43
Net Income	208.3	273.56	377.51	649.81	1,281	974.09
Net Income to Common	208.3	273.56	377.51	649.81	1,281	974.09
Net Income Growth	-60.60%	-27.54%	-41.90%	-49.25%	31.46%	93.32%
Shares Outstanding (Basic)	545	539	539	539	539	539
Shares Outstanding (Diluted)	545	539	539	539	539	539
Shares Change (YoY)	0.71%	-	-	-	-	-
EPS (Basic)	0.38	0.51	0.70	1.21	2.38	1.81
EPS (Diluted)	0.38	0.51	0.70	1.21	2.38	1.81
EPS Growth	-60.87%	-27.54%	-41.90%	-49.25%	31.46%	93.32%
Free Cash Flow	-63.4	655.69	98.53	-7,245	-676.31	8,330
Free Cash Flow Per Share	-0.12	1.22	0.18	-13.45	-1.25	15.46
Dividend Per Share	-	-	1.000	1.000	1.000	1.200
Dividend Growth	-	-	-	-	-16.67%	79.99%
Operating Margin	17.33%	25.36%	5.50%	29.53%	42.25%	30.38%
Profit Margin	6.15%	7.14%	13.47%	17.46%	28.37%	28.60%
Free Cash Flow Margin	-1.87%	17.12%	3.52%	-194.66%	-14.98%	244.61%
Effective Tax Rate	56.00%	57.75%	47.78%	30.13%	23.43%	16.95%
Revenue as Reported	4,370	4,511	4,264	4,311	5,421	-

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