First Finance Limited (DSE:FIRSTFIN)

First Finance Income Statement

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

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	549.7	179.93	-7.5	690.91	897.76
Total Interest Expense	693.23	674.26	707.95	799.83	869.1
Net Interest Income	-143.53	-494.32	-715.45	-108.92	28.66
Other Revenue	9.52	4.62	-653	23.83	6.32
Revenue Before Loan Losses	-134.02	-489.7	-1,368	-85.09	34.98
Provision for Loan Losses	119.35	1,047	573.77	150.02	-374.53
Revenue	-253.37	-1,537	-1,942	-235.11	409.51
Salaries & Employee Benefits	93.98	98.51	112.92	115.79	119.13
Cost of Services Provided	20.32	19.76	19.97	11.46	34.6
Other Operating Expenses	11.01	39.76	102.9	108.24	90.61
Total Operating Expenses	147.57	181.96	264.35	266.75	261.32
Operating Income	-400.93	-1,719	-2,207	-501.86	148.19
EBT Excluding Unusual Items	-400.93	-1,719	-2,207	-501.86	148.19
Gain (Loss) on Sale of Investments	-0.01	-0.91	16.11	6.66	-5.75
Pretax Income	-404.34	-1,720	-2,190	-495.2	141.91
Income Tax Expense	3.29	0.71	-0.36	6.14	6.98
Net Income	-407.63	-1,721	-2,190	-501.34	134.92
Net Income to Common	-407.63	-1,721	-2,190	-501.34	134.92
Shares Outstanding (Basic)	119	119	119	119	119
Shares Outstanding (Diluted)	119	119	119	119	119
EPS (Basic)	-3.44	-14.52	-18.47	-4.23	1.14
EPS (Diluted)	-3.44	-14.52	-18.47	-4.23	1.14
Free Cash Flow	48.61	44.42	23.39	-115.24	-988.9
Free Cash Flow Per Share	0.41	0.38	0.20	-0.97	-8.34
Operating Margin	-	-	-	-	36.19%
Profit Margin	-	-	-	-	32.95%
Free Cash Flow Margin	-	-	-	-	-241.49%
Effective Tax Rate	-	-	-	-	4.92%

Updated Oct 30, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.