DSE:SHAHJABANK 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	25,988	22,233	18,178	15,965	13,793	16,987
Interest Paid on Deposits	13,943	11,874	9,063	8,366	7,398	11,441
Net Interest Income	12,045	10,360	9,115	7,599	6,395	5,546
Net Interest Income Growth (YoY)	19.85%	13.65%	19.95%	18.83%	15.31%	-21.84%
Gain (Loss) on Sale of Assets	-12.43	-12.43	-7.15	-4.13	-	-
Gain (Loss) on Sale of Investments	-199	-293.44	-	-12.4	-16	-
Other Non-Interest Income	8,254	7,539	6,205	6,881	4,793	3,399
Total Non-Interest Income	8,043	7,233	6,198	6,864	4,777	3,399
Non-Interest Income Growth (YoY)	24.89%	16.71%	-9.71%	43.70%	40.52%	4.55%
Revenues Before Loan Losses	20,087	17,593	15,313	14,463	11,172	8,945
Provision for Loan Losses	6,589	4,638	1,765	1,087	737.53	385.49
Revenue	13,498	12,955	13,548	13,376	10,434	8,560
Revenue Growth (YoY)	-8.77%	-4.38%	1.29%	28.19%	21.90%	-1.16%
Salaries and Employee Benefits	4,262	4,244	3,978	3,615	3,034	3,032
Occupancy Expenses	1,046	1,140	1,013	983.15	897.83	847.03
Selling, General & Administrative	321.43	324.6	258.97	224.3	174	162.88
Other Non-Interest Expense	1,399	1,454	920.81	1,016	1,219	686.4
Total Non-Interest Expense	7,028	7,162	6,172	5,839	5,325	4,728
EBT Excluding Unusual Items	6,470	5,792	7,376	7,537	5,110	3,832
Pretax Income	6,470	5,792	7,376	7,537	5,110	3,832
Income Tax Expense	4,948	4,099	3,795	3,952	2,497	1,918
Earnings From Continuing Operations	1,522	1,693	3,582	3,585	2,612	1,914
Minority Interest in Earnings	2.61	-0.44	-0.57	-4.95	-20.81	-0.47
Net Income	1,524	1,693	3,581	3,580	2,592	1,913
Net Income to Common	1,524	1,693	3,581	3,580	2,592	1,913
Net Income Growth	-61.48%	-52.73%	0.02%	38.16%	35.44%	15.02%
Basic Shares Outstanding	1,113	1,113	1,113	1,113	1,113	1,113
Diluted Shares Outstanding	1,113	1,113	1,113	1,113	1,113	1,113
EPS (Basic)	1.37	1.52	3.22	3.22	2.33	1.72
EPS (Diluted)	1.37	1.52	3.22	3.22	2.33	1.72
EPS Growth	-61.48%	-52.73%	0.02%	38.16%	35.44%	15.02%
Dividend Per Share	1.000	1.000	1.400	1.165	0.925	0.440
Dividend Growth	-28.57%	-28.57%	20.17%	25.99%	110.02%	5.01%
Effective Tax Rate	76.48%	70.77%	51.45%	52.43%	48.87%	50.05%

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