One Bank 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 Income on Loans	25,996	24,422	18,880	16,195	16,001	19,674
Interest Paid on Deposits	21,734	18,277	14,310	11,916	11,850	16,249
Net Interest Income	4,262	6,144	4,571	4,279	4,151	3,426
Net Interest Income Growth (YoY)	-33.10%	34.43%	6.82%	3.09%	21.17%	-36.83%
Gain (Loss) on Sale of Assets	2.53	2.53	6.74	3.06	0.36	3.01
Gain (Loss) on Sale of Investments	2,257	2,204	272.95	257.81	306.94	465.5
Other Non-Interest Income	6,924	6,430	5,599	5,957	4,141	4,255
Total Non-Interest Income	9,183	8,636	5,879	6,218	4,448	4,723
Non-Interest Income Growth (YoY)	17.72%	46.90%	-5.45%	39.79%	-5.83%	20.89%
Revenues Before Loan Losses	13,445	14,781	10,450	10,497	8,599	8,149
Provision for Loan Losses	6,146	7,136	2,040	2,153	2,005	1,276
Revenue	7,299	7,645	8,410	8,344	6,594	6,873
Revenue Growth (YoY)	-27.87%	-9.10%	0.80%	26.54%	-4.06%	-10.15%
Salaries and Employee Benefits	4,433	4,293	4,220	3,501	2,993	2,799
Occupancy Expenses	1,422	1,335	1,212	1,282	1,067	1,192
Selling, General & Administrative	377.19	343.67	383.31	379.62	475.24	658.57
Other Non-Interest Expense	930.58	992.93	985.43	934.95	452.71	378.42
Total Non-Interest Expense	7,162	6,964	6,800	6,098	4,988	5,028
EBT Excluding Unusual Items	136.77	680.59	1,610	2,246	1,606	1,845
Pretax Income	136.77	680.59	1,610	2,246	1,606	1,845
Income Tax Expense	-566.36	-639.6	444.46	687.49	761.11	450.48
Earnings From Continuing Operations	703.13	1,320	1,166	1,559	845.19	1,395
Minority Interest in Earnings	-1.07	-0.81	-0.44	-1.86	-1.07	-1.11
Net Income	702.06	1,319	1,165	1,557	844.12	1,394
Net Income to Common	702.06	1,319	1,165	1,557	844.12	1,394
Net Income Growth	-68.90%	13.24%	-25.16%	84.42%	-39.43%	-13.31%
Basic Shares Outstanding	1,066	1,066	1,066	1,066	1,066	1,066
Diluted Shares Outstanding	1,066	1,066	1,066	1,066	1,066	1,066
EPS (Basic)	0.66	1.24	1.09	1.46	0.79	1.31
EPS (Diluted)	0.66	1.24	1.09	1.46	0.79	1.31
EPS Growth	-68.90%	13.24%	-25.16%	84.42%	-39.43%	-13.31%
Dividend Per Share	-	-	0.338	-	-	0.498
Dividend Growth	-	-	-	-	-	25.99%
Effective Tax Rate	-	-	27.61%	30.61%	47.38%	24.41%

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