Pubali Bank PLC. (DSE:PUBALIBANK)

Pubali Bank PLC. Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	66,503	58,451	40,405	29,860	22,791	22,740
Interest Paid on Deposits	54,534	43,313	30,321	23,241	21,901	19,852
Net Interest Income	11,968	15,137	10,084	6,620	890.02	2,888
Net Interest Income Growth (YoY)	-19.74%	50.12%	52.33%	643.77%	-69.19%	-65.55%
Gain (Loss) on Sale of Investments	-95.15	-590	-123.74	-55.41	-	-152.84
Other Non-Interest Income	37,654	27,214	20,850	19,106	19,829	15,722
Total Non-Interest Income	37,559	26,624	20,727	19,051	19,829	15,569
Non-Interest Income Growth (YoY)	50.43%	28.45%	8.80%	-3.93%	27.36%	58.49%
Revenues Before Loan Losses	49,527	41,761	30,810	25,670	20,719	18,457
Provision for Loan Losses	13,281	8,303	2,870	2,774	3,411	2,534
Revenue	36,246	33,459	27,940	22,896	17,308	15,923
Revenue Growth (YoY)	8.21%	19.75%	22.03%	32.28%	8.70%	10.96%
Salaries and Employee Benefits	13,502	10,938	9,307	8,392	6,522	6,307
Occupancy Expenses	2,861	2,336	2,035	2,090	1,675	1,481
Selling, General & Administrative	1,690	1,349	1,149	360.52	309.41	219.35
Other Non-Interest Expense	4,585	5,435	3,247	3,127	3,059	2,060
Total Non-Interest Expense	22,639	20,059	15,738	13,969	11,565	10,068
EBT Excluding Unusual Items	13,607	13,400	12,202	8,926	5,743	5,856
Pretax Income	13,607	13,400	12,202	8,926	5,743	5,856
Income Tax Expense	5,469	5,599	5,253	3,278	1,391	2,149
Earnings From Continuing Operations	8,138	7,801	6,950	5,648	4,352	3,707
Minority Interest in Earnings	0	-0	-0	-0	-0	-0
Net Income	8,138	7,801	6,950	5,648	4,352	3,707
Net Income to Common	8,138	7,801	6,950	5,648	4,352	3,707
Net Income Growth	-15.20%	12.25%	23.05%	29.79%	17.40%	71.38%
Basic Shares Outstanding	1,301	1,301	1,301	1,301	1,301	1,301
Diluted Shares Outstanding	1,301	1,301	1,301	1,301	1,301	1,301
EPS (Basic)	6.25	5.99	5.34	4.34	3.34	2.85
EPS (Diluted)	6.25	5.99	5.34	4.34	3.34	2.84
EPS Growth	-15.20%	12.25%	23.05%	29.85%	17.50%	71.42%
Dividend Per Share	1.111	1.111	0.988	0.988	0.988	0.988
Dividend Growth	12.50%	12.50%	-	-0.01%	-	25.01%
Effective Tax Rate	40.19%	41.78%	43.05%	36.73%	24.22%	36.70%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.