SBAC Bank PLC. (DSE:SBACBANK)

SBAC Bank PLC. Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	8,820	8,607	8,588	6,900	5,884	5,610
Interest Paid on Deposits	7,808	7,670	6,650	5,244	4,607	3,944
Net Interest Income	1,013	937.33	1,938	1,656	1,277	1,666
Net Interest Income Growth (YoY)	-40.78%	-51.63%	17.00%	29.64%	-23.33%	50.86%
Gain (Loss) on Sale of Investments	-38.61	-61.7	-198.46	-25.5	-91.07	-36.4
Other Non-Interest Income	2,942	3,107	3,741	3,344	2,969	2,526
Total Non-Interest Income	2,904	3,045	3,542	3,318	2,878	2,489
Non-Interest Income Growth (YoY)	-18.44%	-14.04%	6.76%	15.30%	15.61%	2.25%
Revenues Before Loan Losses	3,916	3,982	5,480	4,974	4,155	4,155
Provision for Loan Losses	881.09	828.85	1,498	772.58	484.27	811.21
Revenue	3,035	3,154	3,982	4,201	3,671	3,344
Revenue Growth (YoY)	-19.22%	-20.81%	-5.22%	14.46%	9.77%	-5.41%
Salaries and Employee Benefits	1,966	1,981	1,961	1,818	1,583	1,326
Occupancy Expenses	408.35	413.37	358.81	368.42	362.14	464.21
Selling, General & Administrative	298.69	304.05	369.1	306.66	280.81	114.51
Other Non-Interest Expense	242	239.14	299.13	285.73	225.78	282.9
Total Non-Interest Expense	2,915	2,938	2,988	2,779	2,452	2,188
EBT Excluding Unusual Items	120.46	215.7	994.67	1,422	1,219	1,156
Other Unusual Items	-	-	75.07	9.73	102.39	-177.67
Pretax Income	120.46	215.7	1,070	1,432	1,322	978.75
Income Tax Expense	110.63	208.65	960.28	885.78	732.08	438.86
Net Income	9.83	7.05	109.46	546.36	589.63	539.89
Net Income to Common	9.83	7.05	109.46	546.36	589.63	539.89
Net Income Growth	-62.41%	-93.56%	-79.97%	-7.34%	9.21%	-43.29%
Basic Shares Outstanding	710	705	824	824	824	734
Diluted Shares Outstanding	710	705	824	824	824	734
Shares Change (YoY)	-11.65%	-14.45%	-	-	12.23%	2.12%
EPS (Basic)	0.01	0.01	0.13	0.66	0.72	0.74
EPS (Diluted)	0.01	0.01	0.13	0.66	0.72	0.74
EPS Growth	-57.45%	-92.47%	-79.97%	-7.34%	-2.69%	-44.46%
Dividend Per Share	-	-	-	0.200	0.346	0.297
Dividend Growth	-	-	-	-42.28%	16.67%	-
Effective Tax Rate	91.84%	96.73%	89.77%	61.85%	55.39%	44.84%

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