Southeast Bank 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	33,073	29,120	22,048	20,187	18,922	22,250
Interest Paid on Deposits	29,813	25,099	19,387	17,043	16,001	19,769
Net Interest Income	3,259	4,021	2,661	3,144	2,922	2,481
Net Interest Income Growth (YoY)	-14.05%	51.11%	-15.37%	7.62%	17.74%	-41.71%
Gain (Loss) on Sale of Investments	740.33	-933.12	1,454	908.71	-89.62	117.06
Other Non-Interest Income	14,774	13,497	12,577	12,717	11,751	11,289
Total Non-Interest Income	15,514	12,563	14,031	13,626	11,662	11,406
Non-Interest Income Growth (YoY)	8.55%	-10.46%	2.97%	16.84%	2.24%	16.22%
Revenues Before Loan Losses	18,773	16,585	16,692	16,770	14,583	13,888
Provision for Loan Losses	8,194	6,762	5,096	5,423	4,736	5,026
Revenue	10,580	9,822	11,596	11,347	9,847	8,862
Revenue Growth (YoY)	4.36%	-15.29%	2.20%	15.23%	11.11%	-6.60%
Salaries and Employee Benefits	3,057	2,859	2,846	2,764	2,305	2,066
Occupancy Expenses	2,031	2,023	2,022	1,925	1,736	1,583
Selling, General & Administrative	519.7	541.82	754.21	600.58	493.92	419.54
Other Non-Interest Expense	2,568	2,524	2,459	2,220	2,053	1,638
Total Non-Interest Expense	8,176	7,949	8,082	7,509	6,589	5,706
EBT Excluding Unusual Items	2,404	1,874	3,514	3,837	3,258	3,156
Pretax Income	2,404	1,874	3,514	3,837	3,258	3,156
Income Tax Expense	1,584	1,441	1,380	2,085	1,474	1,007
Earnings From Continuing Operations	819.75	432.64	2,134	1,752	1,784	2,149
Minority Interest in Earnings	2.73	0.96	-0.12	-0.14	-0.18	-0.13
Net Income	822.48	433.6	2,134	1,752	1,784	2,149
Net Income to Common	822.48	433.6	2,134	1,752	1,784	2,149
Net Income Growth	18.00%	-79.68%	21.77%	-1.79%	-16.98%	-14.33%
Basic Shares Outstanding	1,337	1,337	1,337	1,337	1,337	1,337
Diluted Shares Outstanding	1,337	1,337	1,337	1,337	1,337	1,337
EPS (Basic)	0.61	0.32	1.60	1.31	1.33	1.61
EPS (Diluted)	0.61	0.32	1.60	1.31	1.33	1.61
EPS Growth	18.00%	-79.68%	21.77%	-1.79%	-16.98%	-14.33%
Dividend Per Share	-	-	0.577	0.555	0.711	0.889
Dividend Growth	-	-	4.00%	-22.00%	-20.00%	36.69%
Effective Tax Rate	65.90%	76.91%	39.28%	54.33%	45.23%	31.90%

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