Mutual Trust Bank PLC. (DSE:MTB)

Mutual Trust 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	27,802	25,666	20,728	16,065	14,562	15,565
Interest Paid on Deposits	24,765	18,968	13,474	12,198	8,815	11,620
Net Interest Income	3,037	6,698	7,253	3,867	5,747	3,945
Net Interest Income Growth (YoY)	-59.58%	-7.65%	87.58%	-32.72%	45.67%	-27.34%
Gain (Loss) on Sale of Investments	3.97	-216.62	-77.39	-255	-540	-95.5
Other Non-Interest Income	19,660	15,811	10,233	12,235	7,057	6,042
Total Non-Interest Income	19,664	15,594	10,156	11,980	6,517	5,946
Non-Interest Income Growth (YoY)	53.62%	53.55%	-15.23%	83.83%	9.60%	3.12%
Revenues Before Loan Losses	22,701	22,292	17,409	15,847	12,264	9,892
Provision for Loan Losses	9,765	6,586	4,391	4,015	746.57	1,049
Revenue	12,936	15,706	13,017	11,832	11,518	8,843
Revenue Growth (YoY)	-11.06%	20.66%	10.02%	2.73%	30.25%	-4.29%
Salaries and Employee Benefits	5,995	6,035	4,877	4,407	3,982	3,632
Occupancy Expenses	1,485	1,321	1,243	1,237	1,141	1,266
Selling, General & Administrative	1,366	1,244	999.53	707.24	601.35	234.12
Other Non-Interest Expense	2,295	2,323	2,329	2,154	1,778	1,473
Total Non-Interest Expense	11,141	10,922	9,448	8,505	7,503	6,605
EBT Excluding Unusual Items	1,795	4,784	3,569	3,327	4,015	2,238
Other Unusual Items	-	-	-	-98.24	-475.87	-408.64
Pretax Income	1,795	4,784	3,569	3,228	3,539	1,829
Income Tax Expense	-1,372	1,617	709.46	859.18	565.57	858.53
Earnings From Continuing Operations	3,167	3,167	2,860	2,369	2,973	970.39
Minority Interest in Earnings	-0	-0	-0	-0	-0	-0
Net Income	3,167	3,167	2,860	2,369	2,973	970.39
Net Income to Common	3,167	3,167	2,860	2,369	2,973	970.39
Net Income Growth	5.94%	10.72%	20.71%	-20.32%	206.39%	-27.46%
Basic Shares Outstanding	1,080	1,081	1,081	1,081	1,081	1,081
Diluted Shares Outstanding	1,080	1,081	1,081	1,081	1,081	1,081
Shares Change (YoY)	-0.31%	-	-	-	-	-
EPS (Basic)	2.93	2.93	2.64	2.19	2.75	0.90
EPS (Diluted)	2.93	2.93	2.64	2.19	2.75	0.90
EPS Growth	6.27%	10.72%	20.71%	-20.32%	206.39%	-27.46%
Dividend Per Share	0.909	0.909	0.909	-	-	-
Effective Tax Rate	-	33.81%	19.88%	26.61%	15.98%	46.94%

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