Union Capital 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 and Dividend Income	260.9	266.71	405.85	441.53	700.5	1,203
Total Interest Expense	970.96	890.43	804.44	931.46	1,116	1,696
Net Interest Income	-710.06	-623.72	-398.59	-489.93	-415.86	-492.77
Commissions and Fees	56.29	68.59	79.77	150.12	211.92	122.68
Other Revenue	1.02	1.02	1.42	1.32	4.7	3.19
Revenue Before Loan Losses	-652.75	-554.11	-317.4	-338.49	-199.24	-366.9
Provision for Loan Losses	842.05	1,248	5,465	1,436	863.07	0.77
Revenue	-1,495	-1,802	-5,782	-1,775	-1,062	-367.67
Salaries & Employee Benefits	157.12	159.22	164.77	175.35	164.88	171.36
Cost of Services Provided	25.69	24.82	22.31	18.01	27.95	27.59
Other Operating Expenses	11.55	18.27	7.13	18.99	33.2	-194.59
Total Operating Expenses	220.47	234.35	229.62	249	265.64	50.74
Operating Income	-1,715	-2,037	-6,012	-2,024	-1,328	-418.41
EBT Excluding Unusual Items	-1,711	-2,037	-6,012	-2,024	-1,328	-417.47
Gain (Loss) on Sale of Investments	-26.75	-14.12	-30.38	-3.1	1.44	-8.17
Pretax Income	-1,735	-2,048	-6,041	-2,027	-1,327	-425.64
Income Tax Expense	-9.7	22.27	29.1	35.36	58.66	106.72
Earnings From Continuing Ops.	-1,725	-2,070	-6,070	-2,062	-1,386	-532.37
Minority Interest in Earnings	0	0	0	0	-0	0
Net Income	-1,725	-2,070	-6,070	-2,062	-1,386	-532.37
Net Income to Common	-1,725	-2,070	-6,070	-2,062	-1,386	-532.37
Shares Outstanding (Basic)	173	173	173	173	173	173
Shares Outstanding (Diluted)	173	173	173	173	173	173
EPS (Basic)	-9.99	-11.99	-35.17	-11.95	-8.03	-3.08
EPS (Diluted)	-9.99	-11.99	-35.17	-11.95	-8.03	-3.08
Free Cash Flow	556.96	517.75	370.8	210.22	-149.47	-138.77
Free Cash Flow Per Share	3.23	3.00	2.15	1.22	-0.87	-0.80

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