Uttara Finance and Investments Limited (DSE:UTTARAFIN)

DSE:UTTARAFIN Income Statement

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

Fiscal Year	TTM	FY 2018	FY 2017	FY 2016	FY 2015	FY 2014
Period Ending	Sep 30, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016	Dec 31, 2015	Dec 31, 2014
Interest Income on Loans	4,894	4,660	3,859	3,519	3,192	2,814
Interest Paid on Deposits	2,352	2,339	2,055	2,276	2,186	2,286
Net Interest Income	2,542	2,321	1,804	1,243	1,006	528.11
Net Interest Income Growth (YoY)	18.45%	28.63%	45.11%	23.63%	90.43%	-17.82%
Gain (Loss) on Sale of Investments	-229.35	-266.86	190.89	18.89	-98.57	-73.92
Other Non-Interest Income	-166.51	46.57	43.37	147.18	505.32	434.76
Total Non-Interest Income	-395.87	-220.29	234.25	166.07	406.76	360.84
Non-Interest Income Growth (YoY)	-	-	41.05%	-59.17%	12.72%	64.93%
Revenues Before Loan Losses	2,146	2,100	2,038	1,409	1,412	888.95
Provision for Loan Losses	363.43	458.89	384.94	-209.35	441.28	162.57
Revenue	1,782	1,642	1,653	1,619	971.17	726.38
Revenue Growth (YoY)	5.84%	-0.72%	2.15%	66.68%	33.70%	-1.15%
Salaries and Employee Benefits	101.35	101.21	97.51	92.69	90.9	82.28
Occupancy Expenses	24.83	25.76	35.51	28.55	27.52	25.38
Selling, General & Administrative	60.73	62.27	54.19	59.34	50.46	50.73
Other Non-Interest Expense	-173	-219.54	-126.46	8.76	-99.4	31.48
Total Non-Interest Expense	13.92	-30.31	60.76	189.35	69.48	189.87
EBT Excluding Unusual Items	1,768	1,672	1,593	1,429	901.69	536.51
Pretax Income	1,768	1,672	1,593	1,429	901.69	536.51
Income Tax Expense	696.97	636.97	685	600	350	360
Net Income	1,071	1,035	907.71	829.37	551.69	176.51
Net Income to Common	1,071	1,035	907.71	829.37	551.69	176.51
Net Income Growth	15.31%	14.02%	9.45%	50.33%	212.55%	195.46%
Basic Shares Outstanding	131	131	131	131	131	131
Diluted Shares Outstanding	131	131	131	131	131	131
Shares Change (YoY)	-0.00%	-	-	-	-	-
EPS (Basic)	8.15	7.87	6.90	6.31	4.20	1.34
EPS (Diluted)	8.15	7.87	6.90	6.31	4.20	1.34
EPS Growth	15.31%	14.02%	9.45%	50.33%	212.55%	195.46%
Dividend Per Share	-	1.905	2.857	2.857	2.857	1.732
Dividend Growth	-	-33.33%	-	-	65.00%	-33.33%
Effective Tax Rate	39.41%	38.10%	43.01%	41.98%	38.82%	67.10%

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