Pubali Bank PLC. Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	66,967	58,451	40,405	29,860	22,791
Interest Paid on Deposits	57,435	43,313	30,321	23,241	21,901
Net Interest Income	9,532	15,137	10,084	6,620	890.02
Net Interest Income Growth (YoY)	-37.03%	50.12%	52.33%	643.77%	-69.19%
Gain (Loss) on Sale of Investments	-171.33	-590	-123.74	-55.41	-
Other Non-Interest Income	42,628	27,214	20,850	19,106	19,829
Total Non-Interest Income	42,456	26,624	20,727	19,051	19,829
Non-Interest Income Growth (YoY)	59.47%	28.45%	8.80%	-3.93%	27.36%
Revenues Before Loan Losses	51,988	41,761	30,810	25,670	20,719
Provision for Loan Losses	8,544	8,303	2,870	2,774	3,411
Revenue	43,444	33,459	27,940	22,896	17,308
Revenue Growth (YoY)	29.84%	19.75%	22.03%	32.28%	8.70%
Salaries and Employee Benefits	13,681	10,938	9,307	8,392	6,522
Occupancy Expenses	4,657	2,336	2,035	2,090	1,675
Selling, General & Administrative	632	1,349	1,149	360.52	309.41
Other Non-Interest Expense	4,283	5,435	3,247	3,127	3,059
Total Non-Interest Expense	23,254	20,059	15,738	13,969	11,565
EBT Excluding Unusual Items	20,191	13,400	12,202	8,926	5,743
Pretax Income	20,191	13,400	12,202	8,926	5,743
Income Tax Expense	9,289	5,599	5,253	3,278	1,391
Earnings From Continuing Operations	10,901	7,801	6,950	5,648	4,352
Minority Interest in Earnings	-0	-0	-0	-0	-0
Net Income	10,901	7,801	6,950	5,648	4,352
Net Income to Common	10,901	7,801	6,950	5,648	4,352
Net Income Growth	39.74%	12.25%	23.05%	29.79%	17.40%
Basic Shares Outstanding	1,301	1,497	1,497	1,497	1,497
Diluted Shares Outstanding	1,301	1,497	1,497	1,497	1,497
Shares Change (YoY)	-13.08%	-	-	-	-
EPS (Basic)	8.38	5.21	4.64	3.77	2.91
EPS (Diluted)	8.38	5.21	4.64	3.77	2.91
EPS Growth	60.78%	12.25%	23.05%	29.85%	17.50%
Dividend Per Share	-	0.966	0.859	0.859	0.859
Dividend Growth	-	12.51%	-	-	-
Effective Tax Rate	46.01%	41.78%	43.05%	36.73%	24.22%

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