United Finance PLC. Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	2,754	2,831	2,266	2,164	1,997
Total Interest Expense	1,626	1,599	1,353	1,221	1,147
Net Interest Income	1,128	1,233	912.91	942.29	850.12
Gain (Loss) on Sale of Investments	-	0.22	0.33	1.32	0.97
Other Revenue	84.02	-	-	-	-
Revenue Before Loan Losses	1,212	1,233	913.24	943.6	851.09
Provision for Loan Losses	108.25	172.09	88.78	132.86	61.06
Revenue	1,104	1,061	824.46	810.74	790.04
Revenue Growth (YoY)	4.04%	28.67%	1.69%	2.62%	5.84%
Salaries & Employee Benefits	523.64	586.27	547.56	544.28	455.34
Cost of Services Provided	76.07	104.04	87.82	114.14	91.79
Other Operating Expenses	75.96	-60.32	-122	-91.02	-91.75
Total Operating Expenses	785.29	712.4	597.88	649.53	531.31
Operating Income	318.36	348.4	226.58	161.21	258.73
EBT Excluding Unusual Items	318.36	348.4	226.58	161.21	258.73
Gain (Loss) on Sale of Investments	-	-	-	-	0.1
Pretax Income	318.36	348.4	226.58	161.99	259.63
Income Tax Expense	120.32	139.17	83.48	19.46	37.39
Net Income	198.04	209.23	143.1	142.54	222.24
Net Income to Common	198.04	209.23	143.1	142.54	222.24
Net Income Growth	-5.35%	46.21%	0.40%	-35.86%	5.21%
Shares Outstanding (Basic)	187	187	187	187	187
Shares Outstanding (Diluted)	187	187	187	187	187
Shares Change (YoY)	-0.15%	-	-	-	-
EPS (Basic)	1.06	1.12	0.76	0.76	1.19
EPS (Diluted)	1.06	1.12	0.76	0.76	1.19
EPS Growth	-5.20%	46.21%	0.40%	-35.86%	5.21%
Free Cash Flow	471.58	771.32	113.72	-2,416	1,003
Free Cash Flow Per Share	2.52	4.12	0.61	-12.91	5.36
Dividend Per Share	-	1.000	0.600	0.500	1.000
Dividend Growth	-	66.67%	20.00%	-50.00%	-
Operating Margin	28.85%	32.84%	27.48%	19.89%	32.75%
Profit Margin	17.94%	19.72%	17.36%	17.58%	28.13%
Free Cash Flow Margin	42.73%	72.71%	13.79%	-298.00%	127.00%
Effective Tax Rate	37.79%	39.95%	36.84%	12.01%	14.40%

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