Standard Bank PLC. 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	18,121	16,876	13,149	12,030	12,087	13,745
Interest Paid on Deposits	16,401	13,412	9,625	8,261	7,624	11,561
Net Interest Income	1,720	3,464	3,523	3,769	4,463	2,185
Net Interest Income Growth (YoY)	-51.36%	-1.68%	-6.52%	-15.55%	104.28%	-48.59%
Gain (Loss) on Sale of Investments	-1,710	-2,064	-200.89	-14.77	-6.76	-17.24
Other Non-Interest Income	5,893	5,032	3,583	2,959	1,794	5,616
Total Non-Interest Income	4,182	2,969	3,382	2,944	1,787	5,598
Non-Interest Income Growth (YoY)	15.90%	-12.23%	14.88%	64.74%	-68.07%	60.88%
Revenues Before Loan Losses	5,902	6,433	6,906	6,713	6,250	7,783
Provision for Loan Losses	44.15	36.64	21.27	212.19	305.38	733.26
Revenue	5,858	6,396	6,884	6,501	5,945	7,050
Revenue Growth (YoY)	-21.64%	-7.09%	5.89%	9.36%	-15.68%	-3.29%
Salaries and Employee Benefits	2,632	2,842	3,280	3,353	2,908	2,942
Occupancy Expenses	900.33	633.97	604.83	699.07	728.73	662.42
Selling, General & Administrative	176.92	475.25	451.23	455.4	412.68	473.13
Other Non-Interest Expense	415.48	418.85	385.95	444.47	517.91	716.25
Total Non-Interest Expense	4,124	4,370	4,722	4,952	4,567	4,793
EBT Excluding Unusual Items	1,734	2,026	2,163	1,549	1,377	2,256
Other Unusual Items	-	-	-	-2.81	-	-100.65
Pretax Income	1,734	2,026	2,163	1,546	1,377	2,156
Income Tax Expense	864.71	1,198	781.54	424.68	598.81	1,074
Net Income	869.15	828.39	1,381	1,122	778.61	1,082
Net Income to Common	869.15	828.39	1,381	1,122	778.61	1,082
Net Income Growth	-45.96%	-40.02%	23.11%	44.08%	-28.04%	-28.08%
Basic Shares Outstanding	1,116	1,116	1,116	1,116	1,116	1,116
Diluted Shares Outstanding	1,116	1,116	1,116	1,116	1,116	1,116
EPS (Basic)	0.78	0.74	1.24	1.01	0.70	0.97
EPS (Diluted)	0.78	0.74	1.24	1.01	0.70	0.97
EPS Growth	-45.96%	-40.02%	23.11%	44.08%	-28.04%	-28.08%
Dividend Per Share	-	-	0.244	0.238	0.277	0.225
Dividend Growth	-	-	2.48%	-14.14%	22.98%	-47.50%
Effective Tax Rate	49.87%	59.11%	36.14%	27.46%	43.47%	49.80%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.