DSE:PHOENIXFIN 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	2015 - 2019
Period Ending	Jun '25 Jun 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	2015 - 2019
Interest and Dividend Income	427.01	497.25	496.35	2,117	3,022	3,610	Upgrade
Total Interest Expense	2,671	2,627	2,252	1,597	2,388	2,694	Upgrade
Net Interest Income	-2,244	-2,130	-1,756	520.2	634.13	916.03	Upgrade
Other Revenue	40.4	43.07	51.11	48.84	56.53	60.25	Upgrade
Revenue Before Loan Losses	-2,203	-2,087	-1,705	569.04	690.66	976.27	Upgrade
Provision for Loan Losses	3,793	5,709	5,041	1,601	629.35	254.21	Upgrade
Revenue	-5,997	-7,796	-6,746	-1,032	61.31	722.07	Upgrade
Revenue Growth (YoY)	-	-	-	-	-91.51%	-18.27%	Upgrade
Salaries & Employee Benefits	180.61	190.84	191.01	204.84	227.63	275.49	Upgrade
Cost of Services Provided	35.68	34.35	46.65	51.5	51.4	49.83	Upgrade
Other Operating Expenses	31.14	30.94	28.36	24.42	27.05	25.65	Upgrade
Total Operating Expenses	282.57	293.59	304.61	326.08	344.24	383.85	Upgrade
Operating Income	-6,279	-8,090	-7,050	-1,358	-282.92	338.22	Upgrade
Earnings From Equity Investments	-	-	-	-	-	-0.96	Upgrade
EBT Excluding Unusual Items	-6,279	-8,090	-7,050	-1,358	-281.66	339.32	Upgrade
Pretax Income	-6,279	-8,090	-7,048	-1,357	-279.62	339.32	Upgrade
Income Tax Expense	-5.19	-7.31	4.54	29.07	70.91	138.33	Upgrade
Net Income	-6,274	-8,082	-7,052	-1,386	-350.53	200.99	Upgrade
Net Income to Common	-6,274	-8,082	-7,052	-1,386	-350.53	200.99	Upgrade
Net Income Growth	-	-	-	-	-	-23.98%	Upgrade
Shares Outstanding (Basic)	166	166	166	166	166	157	Upgrade
Shares Outstanding (Diluted)	166	166	166	166	166	157	Upgrade
Shares Change (YoY)	-0.01%	-0.01%	-	-	5.66%	-	Upgrade
EPS (Basic)	-37.83	-48.73	-42.52	-8.36	-2.11	1.28	Upgrade
EPS (Diluted)	-37.83	-48.73	-42.52	-8.36	-2.11	1.28	Upgrade
EPS Growth	-	-	-	-	-	-23.98%	Upgrade
Free Cash Flow	-55.36	41.97	-261.23	-327.62	-1,390	764.72	Upgrade
Free Cash Flow Per Share	-0.33	0.25	-1.57	-1.98	-8.38	4.87	Upgrade
Operating Margin	-	-	-	-	-461.43%	46.84%	Upgrade
Profit Margin	-	-	-	-	-571.69%	27.84%	Upgrade
Free Cash Flow Margin	-	-	-	-	-2266.36%	105.91%	Upgrade
Effective Tax Rate	-	-	-	-	-	40.77%	Upgrade

Updated Nov 28, 2023. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.