Midland Bank PLC. (DSE:MIDLANDBNK)

Midland 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	6,983	6,021	4,503	3,657	3,233	3,160
Interest Paid on Deposits	7,743	5,961	3,740	3,201	2,263	2,748
Net Interest Income	-760.28	59.32	763	455.97	970.11	411.99
Net Interest Income Growth (YoY)	-	-92.22%	67.33%	-53.00%	135.47%	-67.69%
Gain (Loss) on Sale of Investments	-42.54	-156.66	-20.97	-109.23	-65.61	-23.38
Other Non-Interest Income	5,351	3,640	2,429	2,290	1,666	1,908
Total Non-Interest Income	5,308	3,483	2,408	2,180	1,600	1,885
Non-Interest Income Growth (YoY)	70.87%	44.68%	10.42%	36.24%	-15.09%	87.13%
Revenues Before Loan Losses	4,548	3,543	3,171	2,636	2,571	2,297
Provision for Loan Losses	1,659	806.67	507.86	309.27	313.6	43.19
Revenue	2,889	2,736	2,663	2,327	2,257	2,254
Revenue Growth (YoY)	-10.20%	2.75%	14.43%	3.11%	0.15%	6.91%
Salaries and Employee Benefits	856.98	769.71	689.1	616.49	515.23	592.13
Occupancy Expenses	454.8	424.2	396.8	338.84	325.94	317.83
Selling, General & Administrative	150.55	122.97	107.11	86.4	75.27	69.92
Other Non-Interest Expense	420.18	296.9	251.24	212.25	188.11	153.64
Total Non-Interest Expense	1,883	1,614	1,444	1,254	1,105	1,134
EBT Excluding Unusual Items	1,006	1,122	1,219	1,073	1,152	1,120
Other Unusual Items	-	-	58.54	15.42	-26.21	-160.09
Pretax Income	1,006	1,122	1,277	1,089	1,126	959.97
Income Tax Expense	144.08	308.23	144.09	526.67	612.15	303.61
Net Income	862.31	814.12	1,133	561.97	514.02	656.36
Net Income to Common	862.31	814.12	1,133	561.97	514.02	656.36
Net Income Growth	-21.98%	-28.15%	101.63%	9.33%	-21.69%	17.75%
Basic Shares Outstanding	659	659	659	659	587	587
Diluted Shares Outstanding	659	659	659	659	587	587
Shares Change (YoY)	-	-	-	12.29%	-	-
EPS (Basic)	1.31	1.24	1.72	0.85	0.88	1.12
EPS (Diluted)	1.31	1.24	1.72	0.85	0.88	1.12
EPS Growth	-21.98%	-28.15%	101.63%	-2.64%	-21.69%	17.75%
Dividend Per Share	0.291	0.291	0.485	0.485	0.485	0.728
Dividend Growth	-39.99%	-39.99%	-	-	-33.34%	25.01%
Effective Tax Rate	14.32%	27.46%	11.28%	48.38%	54.36%	31.63%

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