DSE : BIFC
Bangladesh Industrial Finance Company Limited — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 3.5 BDT (At close: Oct 29, 2026) · Market cap 352.38M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Technical report: trend, RSI, support and resistance, charts
Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 30.74M | 62.66M | 101.84M | 10.38M | 77.53M | 39.14M |
| Total Interest Expense | 770.08M | 763.34M | 779.96M | 493.62M | 795.47M | 928.89M |
| Net Interest Income | -739.34M | -700.68M | -678.12M | -483.25M | -717.94M | -889.75M |
| Other Revenue | -88.00K | 37.85K | ||||
| Revenue Before Loan Losses | -739.42M | -700.68M | -678.12M | -483.25M | -717.94M | -889.71M |
| Provision for Loan Losses | -45.57M | 5.09M | -18.44M | 31.08M | -10.70M | 46.83M |
| Revenue | -693.86M | -705.77M | -659.68M | -514.32M | -707.25M | -936.54M |
| Salaries & Employee Benefits | 43.84M | 44.88M | 33.47M | 29.28M | 28.76M | 27.57M |
| Cost of Services Provided | 21.45M | 20.82M | 19.26M | 24.26M | 24.50M | 21.96M |
| Other Operating Expenses | 7.52M | -27.02M | -47.46M | 1.36M | -203.05K | 6.37M |
| Total Operating Expenses | 72.81M | 38.69M | 5.27M | 54.90M | 53.06M | 55.90M |
| Operating Income | -766.67M | -744.46M | -664.96M | -569.22M | -760.30M | -992.45M |
| EBT Excluding Unusual Items | -766.67M | -744.46M | -664.96M | -569.22M | -760.30M | -992.45M |
| Gain (Loss) on Sale of Investments | 9.14M | 1.24M | -5.56M | 33.10K | -2.73M | 7.63M |
| Pretax Income | -757.23M | -742.94M | -670.28M | -569.07M | -762.93M | -984.81M |
| Income Tax Expense | 364.58K | 517.69K | 619.01K | 329.85K | 498.26K | 235.04K |
| Net Income | -757.59M | -743.46M | -670.90M | -569.40M | -763.42M | -985.05M |
| Net Income to Common | -757.59M | -743.46M | -670.90M | -569.40M | -763.42M | -985.05M |
| Shares Outstanding (Basic) | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M |
| Shares Outstanding (Diluted) | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M |
| EPS (Basic) | -7.52 | -7.38 | -6.66 | -5.66 | -7.58 | -9.78 |
| EPS (Diluted) | -7.52 | -7.38 | -6.66 | -5.66 | -7.58 | -9.78 |
| Free Cash Flow | -3.76M | -3.22M | 1.18M | -78.96M | -213.74M | -265.62M |
| Free Cash Flow Per Share | -0.04 | -0.03 | 0.01 | -0.78 | -2.12 | -2.64 |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 119.18K | 132.06K | 57.39K | 228.24K | 29.99M | 47.10K |
| Long-Term Investments | 190.41M | 190.41M | 190.41M | 190.41M | 190.41M | 190.41M |
| Loans & Lease Receivables | 7.61B | 7.62B | 7.67B | 7.70B | 7.73B | 7.91B |
| Other Receivables | 23.23M | 23.57M | 23.64M | 105.08M | 105.16M | 106.80M |
| Property, Plant & Equipment | 452.23M | 456.98M | 449.85M | 451.29M | 452.95M | 454.88M |
| Other Current Assets | 262.56M | 268.92M | 321.34M | 351.14M | 399.65M | 366.22M |
| Other Long-Term Assets | 26.26M | 26.01M | 33.06M | 12.74M | 13.15M | 13.15M |
| Total Assets | 8.57B | 8.59B | 8.69B | 8.81B | 8.92B | 9.04B |
| Interest Bearing Deposits | 5.49B | 5.43B | 5.39B | 5.38B | 7.05B | 7.04B |
| Total Deposits | 5.49B | 5.43B | 5.39B | 5.38B | 7.05B | 7.04B |
| Accrued Expenses | 4.53B | 4.24B | 3.56B | 2.86B | 362.68M | 390.27M |
| Short-Term Debt | 350.41M | 349.71M | 349.71M | 349.71M | 349.71M | 349.72M |
| Current Portion of Long-Term Debt | 524.23M | 524.11M | 967.11M | 967.11M | 962.32M | |
| Current Portion of Leases | 7.67M | |||||
| Long-Term Debt | 3.49B | 2.97B | 2.97B | 2.54B | 2.54B | 2.26B |
| Long-Term Leases | 4.15M | 891.25K | ||||
| Current Income Taxes Payable | 707.84M | 707.48M | 747.23M | 746.61M | 746.28M | 745.78M |
| Other Current Liabilities | 110.40M | 105.55M | 96.70M | 109.42M | 276.13M | 216.71M |
| Long-Term Deferred Tax Liabilities | 26.30M | 26.26M | 17.60M | 17.60M | 17.60M | 17.60M |
| Pension & Post-Retirement Benefits | 17.58M | 18.70M | 19.53M | 19.79M | 18.77M | 17.32M |
| Other Long-Term Liabilities | 7.61B | 7.66B | 7.71B | 7.85B | 8.12B | 7.79B |
| Total Liabilities | 22.35B | 22.04B | 21.38B | 20.84B | 20.44B | 19.79B |
| Common Stock | 1.01B | 1.01B | 1.01B | 1.01B | 1.01B | 1.01B |
| Retained Earnings | -15.16B | -14.83B | -14.09B | -13.42B | -12.91B | -12.15B |
| Comprehensive Income & Other | 377.03M | 377.03M | 385.83M | 385.83M | 385.83M | 385.83M |
| Shareholders' Equity | -13.78B | -13.45B | -12.70B | -12.03B | -11.52B | -10.76B |
| Total Liabilities & Equity | 8.57B | 8.59B | 8.69B | 8.81B | 8.92B | 9.04B |
| Total Debt | 3.85B | 3.85B | 3.84B | 3.85B | 3.85B | 3.58B |
| Net Cash (Debt) | -3.85B | -3.85B | -3.84B | -3.85B | -3.82B | -3.58B |
| Net Cash Per Share | -38.23 | -38.27 | -38.18 | -38.27 | -37.98 | -35.53 |
| Filing Date Shares Outstanding | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M |
| Total Common Shares Outstanding | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M | 100.68M |
| Working Capital | -3.29B | -3.45B | -2.65B | -2.26B | -1.49B | -1.33B |
| Book Value Per Share | -136.84 | -133.58 | -126.11 | -119.45 | -114.42 | -106.83 |
| Tangible Book Value | -13.78B | -13.45B | -12.70B | -12.03B | -11.52B | -10.76B |
| Tangible Book Value Per Share | -136.84 | -133.58 | -126.11 | -119.45 | -114.42 | -106.83 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -757.59M | -743.46M | -670.90M | -569.40M | -763.42M | -985.05M |
| Depreciation & Amortization | 13.82M | 9.70M | 1.43M | 1.66M | 1.93M | 2.25M |
| Loss (Gain) From Sale of Investments | -30.69K | |||||
| Asset Writedown & Restructuring Costs | -392.72K | -32.47M | -50.03M | -2.73M | ||
| Provision for Credit Losses | -54.71M | 3.85M | -12.88M | 31.04M | -7.96M | -26.30M |
| Change in Income Taxes | -976.55K | -938.02K | -1.72M | -902.16K | ||
| Change in Other Net Operating Assets | 10.89M | 12.95M | -76.48M | 109.82M | 582.28M | 742.94M |
| Other Operating Activities | 785.24M | 747.40M | 811.79M | 351.54M | -26.56M | 537.32K |
| Operating Cash Flow | -3.97M | -3.22M | 1.18M | -78.96M | -213.74M | -265.62M |
| Capital Expenditures | 208.32K | |||||
| Sale of Property, Plant & Equipment | 110.28K | 110.28K | ||||
| Investment in Securities | 1.35K | 718.67K | ||||
| Investing Cash Flow | 318.60K | 110.28K | 1.35K | 718.67K | ||
| Short-Term Debt Issued | 3.35K | |||||
| Long-Term Debt Issued | 276.89M | 296.17M | ||||
| Total Debt Issued | 276.89M | 296.17M | ||||
| Long-Term Debt Repaid | -184.21K | -9.79M | -184.21K | |||
| Total Debt Repaid | -184.21K | -184.21K | -9.79M | -184.21K | ||
| Net Debt Issued (Repaid) | -184.21K | -184.21K | -9.79M | -184.21K | 276.89M | 296.17M |
| Financing Cash Flow | -184.21K | -184.21K | -9.79M | -184.21K | 276.89M | 296.17M |
| Net Cash Flow | -3.83M | -3.29M | -8.61M | -79.14M | 63.15M | 31.27M |
| Free Cash Flow | -3.76M | -3.22M | 1.18M | -78.96M | -213.74M | -265.62M |
| Free Cash Flow Per Share | -0.04 | -0.03 | 0.01 | -0.78 | -2.12 | -2.64 |
| Cash Interest Paid | 17.86M | 14.41M | 14.48M | 150.31M | 824.87M | 995.77M |
| Cash Income Tax Paid | 529.40K | 331.89K |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 352.38M | 161.09M | 805.44M | 956.46M | 996.73M | 624.22M |
| PS Ratio | -0.23 | -1.22 | -1.86 | -1.41 | -0.67 | |
| PB Ratio | -0.01 | -0.06 | -0.08 | -0.09 | -0.06 | |
| P/FCF Ratio | 682.52 | |||||
| P/OCF Ratio | 682.52 | |||||
| Debt / Equity Ratio | -0.28 | -0.29 | -0.30 | -0.32 | -0.34 | -0.33 |
| Debt / FCF Ratio | 3,257.13 | |||||
| Net Debt / Equity Ratio | -0.28 | -0.29 | -0.30 | -0.32 | -0.33 | -0.33 |
| Net Debt / FCF Ratio | -1,023.43 | -1,196.92 | 3,257.08 | -48.80 | -17.89 | -13.47 |
| Quick Ratio | 0.68 | 0.67 | 0.72 | 0.75 | 0.81 | 0.83 |
| Current Ratio | 0.71 | 0.70 | 0.75 | 0.78 | 0.85 | 0.86 |
| Return on Assets (ROA) | -8.80% | -8.61% | -7.67% | -6.42% | -8.50% | -10.89% |
| Earnings Yield | -214.99% | -461.52% | -83.30% | -59.53% | -76.59% | -157.81% |
| FCF Yield | -1.07% | -2.00% | 0.15% | -8.25% | -21.44% | -42.55% |