National Housing Finance PLC (DSE:NHFIL)

National Housing Finance 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 and Dividend Income	2,081	2,017	1,531	1,523	1,684	2,072
Total Interest Expense	1,586	1,504	1,057	917.98	972.02	1,344
Net Interest Income	494.59	512.72	474.48	604.83	711.93	728.64
Commissions and Fees	0	0	0	0	-	0
Other Revenue	3.63	11.08	9.86	15.14	15.18	10.76
Revenue Before Loan Losses	498.22	523.8	484.34	619.96	727.11	739.4
Provision for Loan Losses	197.07	219.39	112.38	-29.69	88.8	69.71
Revenue	301.15	304.41	371.96	649.66	638.31	669.69
Revenue Growth (YoY)	0.02%	-18.16%	-42.74%	1.78%	-4.69%	9.25%
Salaries & Employee Benefits	153.9	158.18	155.44	144.18	133.69	125.47
Cost of Services Provided	40.87	40.12	39.01	36.44	32.91	42.75
Other Operating Expenses	19.75	18.51	19.5	16.75	14.7	11.21
Total Operating Expenses	227.7	232.1	229.69	214.85	200.93	198.84
Operating Income	73.46	72.3	142.27	434.8	437.38	470.86
EBT Excluding Unusual Items	73.45	72.3	133.15	425.74	426.68	460.73
Gain (Loss) on Sale of Investments	-8.32	-22.49	5.41	-16.38	1.73	24.42
Pretax Income	60.17	43.85	135.42	408.3	436.22	483.36
Income Tax Expense	43.44	40.92	14.79	145.16	174.93	161.97
Net Income	16.74	2.93	120.63	263.14	261.29	321.39
Net Income to Common	16.74	2.93	120.63	263.14	261.29	321.39
Net Income Growth	-70.23%	-97.57%	-54.16%	0.71%	-18.70%	35.72%
Shares Outstanding (Basic)	117	117	117	117	117	117
Shares Outstanding (Diluted)	117	117	117	117	117	117
Shares Change (YoY)	-	-	-	-	-	-0.17%
EPS (Basic)	0.14	0.03	1.03	2.25	2.23	2.75
EPS (Diluted)	0.14	0.03	1.03	2.25	2.23	2.75
EPS Growth	-70.23%	-97.57%	-54.16%	0.71%	-18.70%	35.95%
Free Cash Flow	602.82	-2,538	2,947	-2,247	1,066	566.81
Free Cash Flow Per Share	5.15	-21.69	25.18	-19.20	9.11	4.84
Dividend Per Share	1.000	1.000	1.000	1.500	1.500	1.500
Dividend Growth	-	-	-33.33%	-	-	50.00%
Operating Margin	24.39%	23.75%	38.25%	66.93%	68.52%	70.31%
Profit Margin	5.56%	0.96%	32.43%	40.51%	40.93%	47.99%
Free Cash Flow Margin	200.17%	-833.88%	792.22%	-345.80%	166.99%	84.64%
Effective Tax Rate	72.19%	93.31%	10.92%	35.55%	40.10%	33.51%

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