DSE:PRIMEFIN Income Statement

Financials in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Sep '23 Sep 30, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	Dec '18 Dec 31, 2018
Interest and Dividend Income	601.93	613.85	752.08	809.9	989.6	1,000
Total Interest Expense	729.46	687.62	628.96	700.13	847.84	868.18
Net Interest Income	-127.54	-73.77	123.13	109.77	141.76	132.05
Commissions and Fees	8.69	8.53	8.86	11.58	20.69	28.49
Other Revenue	-51.33	-51.33	4.97	2.44	12.99	-26.1
Revenue Before Loan Losses	-170.18	-116.57	136.96	123.79	175.44	134.44
Provision for Loan Losses	493.92	429.91	120.26	-60.93	-25.23	-177.54
Revenue	-664.1	-546.49	16.7	184.72	200.67	311.98
Revenue Growth (YoY)	-	-	-90.96%	-7.95%	-35.68%	-
Salaries & Employee Benefits	129.19	127.53	119.62	105.21	135.83	155.15
Cost of Services Provided	37.27	37.52	37.32	30.3	39.29	51.67
Other Operating Expenses	-33.08	-53.22	-148.59	-13.04	-58.66	8.65
Total Operating Expenses	145.77	124.08	22.81	143.96	142.57	234.52
Operating Income	-809.87	-670.57	-6.1	40.75	58.1	77.45
EBT Excluding Unusual Items	-809.87	-670.57	-6.1	41.04	58.48	77.45
Gain (Loss) on Sale of Investments	-124.17	-148.28	-131.96	-5.85	-6.46	-8.4
Pretax Income	-933.98	-818.8	-137.1	35.19	52.02	69.05
Income Tax Expense	19.96	19.21	42.72	0.77	3.03	10.2
Earnings From Continuing Ops.	-953.94	-838.02	-179.82	34.42	48.99	58.85
Minority Interest in Earnings	11.31	13.61	-8.04	3.44	4.22	1.7
Net Income	-942.63	-824.4	-187.86	37.86	53.21	60.55
Net Income to Common	-942.63	-824.4	-187.86	37.86	53.21	60.55
Net Income Growth	-	-	-	-28.84%	-12.13%	-
Shares Outstanding (Basic)	273	273	273	273	273	273
Shares Outstanding (Diluted)	273	273	273	273	273	273
EPS (Basic)	-3.45	-3.02	-0.69	0.14	0.19	0.22
EPS (Diluted)	-3.45	-3.02	-0.69	0.14	0.19	0.22
EPS Growth	-	-	-	-28.84%	-12.13%	-
Free Cash Flow	-209.87	-95.43	169.86	79.89	24.04	-748.66
Free Cash Flow Per Share	-0.77	-0.35	0.62	0.29	0.09	-2.74
Dividend Per Share	-	-	-	-	0.200	-
Operating Margin	-	-	-36.55%	22.06%	28.95%	24.83%
Profit Margin	-	-	-1124.74%	20.50%	26.51%	19.41%
Free Cash Flow Margin	-	-	1016.96%	43.25%	11.98%	-239.97%
Effective Tax Rate	-	-	-	2.19%	5.83%	14.77%

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