DSE : FIRSTSBANK
First Security Islami Bank PLC — Financial statements
Commercial Banks · Bangladesh
Last price 1.9 BDT (At close: Nov 5, 2025) · Market cap 2.30B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 30.95B | 50.73B | 52.09B | 40.40B | 40.77B | 42.61B |
| Interest Paid on Deposits | 46.64B | 46.73B | 37.94B | 26.70B | 27.61B | 31.18B |
| Net Interest Income | -15.69B | 3.99B | 14.15B | 13.70B | 13.17B | 11.44B |
| Gain (Loss) on Sale of Investments | -28.59M | -208.87M | 5.11M | -73.20M | 43.72M | 54.69M |
| Other Non-Interest Income | 2.19B | 3.39B | 3.67B | 3.21B | 1.98B | 2.02B |
| Total Non-Interest Income | 2.16B | 3.19B | 3.68B | 3.14B | 2.02B | 2.08B |
| Revenues Before Loan Losses | -13.53B | 7.18B | 17.82B | 16.84B | 15.19B | 13.52B |
| Provision for Loan Losses | -350.30M | 404.20M | 1.65B | 1.58B | 1.15B | 1.39B |
| Revenue | -13.18B | 6.77B | 16.17B | 15.26B | 14.04B | 12.12B |
| Salaries and Employee Benefits | 6.19B | 6.52B | 5.94B | 5.32B | 4.50B | 4.20B |
| Occupancy Expenses | 1.11B | 1.26B | 1.24B | 1.26B | 1.09B | 1.31B |
| Selling, General & Administrative | 816.29M | 877.74M | 905.26M | 1.27B | 704.42M | 302.30M |
| Other Non-Interest Expense | 928.14M | 1.66B | 1.75B | 1.64B | 1.67B | 1.38B |
| Total Non-Interest Expense | 9.05B | 10.32B | 9.83B | 9.49B | 7.96B | 7.20B |
| EBT Excluding Unusual Items | -22.22B | -3.55B | 6.34B | 5.77B | 6.08B | 4.92B |
| Other Unusual Items | -5.00M | |||||
| Pretax Income | -22.22B | -3.55B | 6.34B | 5.77B | 6.08B | 4.92B |
| Income Tax Expense | -374.98M | 482.84M | 3.03B | 2.81B | 2.71B | 2.13B |
| Earnings From Continuing Operations | -21.85B | -4.03B | 3.31B | 2.96B | 3.37B | 2.79B |
| Minority Interest in Earnings | -16.62M | -18.73M | -30.17M | -18.56M | -20.99M | -12.62M |
| Net Income | -21.86B | -4.05B | 3.28B | 2.94B | 3.34B | 2.78B |
| Net Income to Common | -21.86B | -4.05B | 3.28B | 2.94B | 3.34B | 2.78B |
| Basic Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| Diluted Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| EPS (Basic) | -18.10 | -3.35 | 2.72 | 2.44 | 2.77 | 2.30 |
| EPS (Diluted) | -18.10 | -3.35 | 2.72 | 2.44 | 2.77 | 2.30 |
| Dividend Per Share | 0.48 | 0.41 | 0.39 | |||
| Effective Tax Rate | 47.75% | 48.66% | 44.62% | 43.24% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.93B | 6.68B | 7.15B | 6.02B | 5.17B | 4.93B |
| Investment Securities | 36.99B | 37.11B | 40.17B | 39.98B | 41.06B | 35.96B |
| Total Investments | 36.99B | 37.11B | 40.17B | 39.98B | 41.06B | 35.96B |
| Gross Loans | 624.33B | 608.54B | 569.32B | 523.94B | 455.85B | 414.78B |
| Net Loans | 624.33B | 608.54B | 569.32B | 523.94B | 455.85B | 414.78B |
| Property, Plant & Equipment | 6.87B | 6.92B | 6.62B | 6.77B | 6.44B | 6.36B |
| Other Intangible Assets | 202.60M | 110.59M | 121.98M | 123.36M | 129.11M | |
| Accrued Interest Receivable | 1.85B | 2.96B | 2.61B | 2.06B | 1.17B | 1.01B |
| Other Receivables | 6.55M | 42.96M | 88.18M | 9.74M | 39.92M | |
| Restricted Cash | 795.47M | 25.04B | 28.02B | 32.72B | 30.99B | 30.48B |
| Other Current Assets | 1.59B | 1.57B | 3.12B | 2.01B | 1.59B | 1.35B |
| Long-Term Deferred Tax Assets | 938.79M | 776.30M | 624.40M | 517.27M | 449.86M | 513.39M |
| Other Real Estate Owned & Foreclosed | 25.15M | 25.15M | 25.15M | 25.15M | 25.15M | 25.15M |
| Other Long-Term Assets | 2.27B | 2.33B | 2.29B | 2.21B | 1.92B | 1.66B |
| Total Assets | 678.59B | 692.17B | 660.11B | 616.45B | 544.80B | 497.25B |
| Accrued Expenses | 207.34M | 111.33M | 44.66M | 26.69M | 11.03M | |
| Interest Bearing Deposits | 372.46B | 390.15B | 407.14B | 421.17B | 407.54B | 389.10B |
| Non-Interest Bearing Deposits | 37.34B | 37.21B | 44.65B | 46.18B | 58.11B | 36.99B |
| Total Deposits | 409.80B | 427.37B | 451.79B | 467.35B | 465.65B | 426.09B |
| Current Portion of Long-Term Debt | 189.42B | 134.59B | 72.10B | 6.71B | 6.87B | |
| Current Income Taxes Payable | 2.26B | 2.28B | 3.77B | 3.02B | 2.92B | |
| Accrued Interest Payable | 16.14B | 10.90B | 7.50B | 4.05B | 3.70B | |
| Other Current Liabilities | 3.20B | 4.04B | 3.36B | 5.68B | 3.39B | 2.60B |
| Long-Term Debt | 202.97B | 7.84B | 11.55B | 22.25B | 24.63B | 21.15B |
| Long-Term Leases | 189.03M | 220.31M | 187.88M | 183.53M | 235.51M | 277.58M |
| Pension & Post-Retirement Benefits | 71.36K | 2.67M | 75.14M | 18.72K | 16.04K | |
| Other Long-Term Liabilities | 40.56B | 29.80B | 21.86B | 19.13B | 16.84B | 21.97B |
| Total Liabilities | 675.32B | 671.99B | 634.73B | 593.79B | 524.08B | 478.95B |
| Common Stock | 12.08B | 12.08B | 11.51B | 10.46B | 9.96B | 9.49B |
| Retained Earnings | -12.92B | 4.00B | 9.79B | 8.48B | 7.34B | 6.17B |
| Comprehensive Income & Other | 3.73B | 3.73B | 3.71B | 3.36B | 3.04B | 2.29B |
| Total Common Equity | 2.89B | 19.81B | 25.01B | 22.30B | 20.34B | 17.95B |
| Minority Interest | 378.62M | 374.35M | 372.27M | 358.76M | 373.50M | 352.51M |
| Shareholders' Equity | 3.27B | 20.19B | 25.38B | 22.66B | 20.72B | 18.30B |
| Total Liabilities & Equity | 678.59B | 692.17B | 660.11B | 616.45B | 544.80B | 497.25B |
| Total Debt | 203.16B | 197.49B | 146.32B | 94.54B | 31.57B | 28.29B |
| Net Cash (Debt) | -187.69B | -177.77B | -126.14B | -74.68B | -13.91B | -10.80B |
| Net Cash Per Share | -155.35 | -147.15 | -104.41 | -61.81 | -11.52 | -8.94 |
| Filing Date Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| Total Common Shares Outstanding | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B | 1.21B |
| Book Value Per Share | 2.39 | 16.40 | 20.70 | 18.46 | 16.84 | 14.85 |
| Tangible Book Value | 2.89B | 19.61B | 24.90B | 22.18B | 20.22B | 17.82B |
| Tangible Book Value Per Share | 2.39 | 16.23 | 20.61 | 18.36 | 16.74 | 14.75 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | -21.86B | -4.05B | 3.28B | 2.94B | 3.34B | 2.78B |
| Depreciation & Amortization | 627.36M | 612.95M | 617.16M | 618.00M | 549.41M | 566.99M |
| Other Amortization | 33.58M | 33.58M | ||||
| Change in Other Net Operating Assets | 29.34B | 25.41B | 12.16B | -4.35B | -39.89B | -50.41B |
| Other Operating Activities | 2.91B | 1.21B | 3.39B | 1.38B | 712.71M | 484.04M |
| Operating Cash Flow | 10.12B | 23.21B | 19.45B | 589.61M | -35.28B | -46.58B |
| Capital Expenditures | -339.60M | -946.00M | -426.59M | -979.27M | -622.76M | -283.32M |
| Sale of Property, Plant and Equipment | 18.00M | 4.59M | 15.19M | 18.66M | 3.07M | 4.59M |
| Investment in Securities | 13.81B | 3.04B | -932.46M | 2.46B | -5.16B | -6.10B |
| Investing Cash Flow | 13.49B | 2.10B | -1.34B | 1.50B | -5.78B | -6.38B |
| Long-Term Debt Issued | 2.20B | 3.80B | ||||
| Long-Term Debt Repaid | -2.30B | -2.30B | -2.30B | -900.00M | -900.00M | |
| Net Debt Issued (Repaid) | -2.30B | -2.30B | -2.30B | -2.30B | 1.30B | 2.90B |
| Common Dividends Paid | -609.29M | -609.29M | -527.19M | -1.00B | -833.12M | |
| Net Increase (Decrease) in Deposit Accounts | -49.39B | -25.88B | -18.84B | 3.81B | 41.36B | 53.59B |
| Other Financing Activities | -16.21M | -15.16M | -14.07M | -13.77M | -16.32M | -17.67M |
| Financing Cash Flow | -52.32B | -28.81B | -21.69B | 490.21M | 41.81B | 56.47B |
| Foreign Exchange Rate Adjustments | 34.55M | 45.79M | 16.10M | -4.55M | -4.68M | -4.85M |
| Net Cash Flow | -28.67B | -3.44B | -3.57B | 2.58B | 751.06M | 3.51B |
| Free Cash Flow | 9.78B | 22.27B | 19.02B | -389.66M | -35.90B | -46.86B |
| Free Cash Flow Margin | 328.72% | 117.61% | -2.55% | -255.68% | -386.62% | |
| Free Cash Flow Per Share | 8.10 | 18.43 | 15.74 | -0.32 | -29.72 | -38.79 |
| Cash Interest Paid | 44.01B | 44.59B | 36.97B | 26.52B | 28.68B | 32.69B |
| Cash Income Tax Paid | 366.83M | 1.88B | 2.16B | 2.60B | 2.30B | 1.51B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.30B | 6.16B | 10.24B | 10.25B | 12.85B | 8.54B |
| Last Close Price | 1.90 | 5.10 | 7.89 | 7.90 | 9.46 | 6.02 |
| PE Ratio | 3.12 | 3.48 | 3.84 | 3.07 | ||
| PS Ratio | 0.91 | 0.63 | 0.67 | 0.92 | 0.70 | |
| PB Ratio | 0.70 | 0.30 | 0.40 | 0.45 | 0.62 | 0.47 |
| P/FCF Ratio | 0.23 | 0.28 | 0.54 | |||
| P/OCF Ratio | 0.23 | 0.27 | 0.53 | 17.39 | ||
| Debt / Equity Ratio | 62.16 | 9.78 | 5.76 | 4.17 | 1.52 | 1.55 |
| Debt / FCF Ratio | 20.76 | 8.87 | 7.69 | |||
| Net Debt / Equity Ratio | 57.42 | 8.81 | 4.97 | 3.29 | 0.67 | 0.59 |
| Net Debt / FCF Ratio | 19.18 | 7.98 | 6.63 | -191.65 | -0.39 | -0.23 |
| Return on Equity (ROE) | -147.85% | -17.68% | 13.79% | 13.65% | 17.25% | 16.52% |
| Return on Assets (ROA) | -3.19% | -0.60% | 0.52% | 0.51% | 0.65% | 0.60% |
| Earnings Yield | -952.50% | -65.68% | 32.05% | 28.71% | 26.02% | 32.56% |
| FCF Yield | 426.24% | 361.38% | 185.72% | -3.80% | -279.39% | -548.80% |
| Dividend Yield | 5.62% | 3.88% | 5.56% | |||
| Payout Ratio | 16.06% | 34.10% | 24.91% | |||
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 5.62% | 3.88% | 5.56% |