Sena Insurance Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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
Premiums & Annuity Revenue	370.64	420.9	344.45	276.46	297.68
Total Interest & Dividend Income	116.47	76.4	60.65	45.15	54.11
Gain (Loss) on Sale of Investments	3.06	0.06	2.03	3.74	0.18
Other Revenue	58.29	52.02	43.71	41.01	30.98
Total Revenue	548.45	549.38	450.84	366.36	382.94
Revenue Growth (YoY)	-0.17%	21.86%	23.06%	-4.33%	16.57%
Policy Benefits	126.93	225.98	134.22	114.18	141.08
Policy Acquisition & Underwriting Costs	55.38	34.76	57.21	22.3	33.72
Depreciation & Amortization	14.95	14.18	9.66	5.09	2.54
Selling, General & Administrative	138.94	118.85	115.31	98.8	85.49
Other Operating Expenses	0.3	0.24	0	-	-
Total Operating Expenses	346.84	401.51	322.89	246.16	268.54
Operating Income	201.61	147.87	127.95	120.2	114.4
Currency Exchange Gain (Loss)	2.11	1.5	-	-	-
Other Non Operating Income (Expenses)	-1.28	-1.02	-0.96	-6.46	-0.83
EBT Excluding Unusual Items	202.44	148.34	126.98	113.74	113.57
Gain (Loss) on Sale of Assets	4.27	1.87	2.77	2.24	0.65
Pretax Income	206.71	150.22	129.75	115.98	114.23
Income Tax Expense	35.03	13.56	15.42	9.83	19.95
Net Income	171.68	136.66	114.33	106.15	94.28
Net Income to Common	171.68	136.66	114.33	106.15	94.28
Net Income Growth	25.62%	19.53%	7.71%	12.60%	-4.08%
Shares Outstanding (Basic)	40	40	40	28	24
Shares Outstanding (Diluted)	40	40	40	28	24
Shares Change (YoY)	-	-	44.27%	15.53%	-
EPS (Basic)	4.29	3.42	2.86	3.83	3.93
EPS (Diluted)	4.29	3.42	2.86	3.83	3.93
EPS Growth	25.62%	19.53%	-25.34%	-2.54%	-4.08%
Free Cash Flow	272.47	220.09	26.04	228.62	216.05
Free Cash Flow Per Share	6.81	5.50	0.65	8.25	9.00
Dividend Per Share	1.500	1.350	1.200	1.200	1.000
Dividend Growth	11.11%	12.50%	-	20.00%	-
Operating Margin	36.76%	26.91%	28.38%	32.81%	29.88%
Profit Margin	31.30%	24.88%	25.36%	28.97%	24.62%
Free Cash Flow Margin	49.68%	40.06%	5.78%	62.40%	56.42%
EBITDA	216.23	162.04	137.6	125.29	116.94
EBITDA Margin	39.43%	29.50%	30.52%	34.20%	30.54%
D&A For EBITDA	14.62	14.18	9.66	5.09	2.54
EBIT	201.61	147.87	127.95	120.2	114.4
EBIT Margin	36.76%	26.91%	28.38%	32.81%	29.88%
Effective Tax Rate	16.95%	9.02%	11.88%	8.48%	17.46%

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