DSE : GIB
Global Islami Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 1.7 BDT (At close: Nov 5, 2025) · Market cap 1.68B
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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 | 65.79M | 8.43B | 12.32B | 13.86B | 13.03B | 12.05B |
| Interest Paid on Deposits | 15.24B | 13.53B | 10.51B | 8.27B | 8.01B | 9.09B |
| Net Interest Income | -15.17B | -5.10B | 1.82B | 5.59B | 5.02B | 2.96B |
| Gain (Loss) on Sale of Assets | 51.00K | 359.50K | 1.17M | 13.49M | -3.83M | |
| Gain (Loss) on Sale of Investments | 27.65M | 101.88M | 231.73M | 256.84M | -21.75M | |
| Other Non-Interest Income | 840.96M | 757.92M | 398.58M | 523.08M | 401.76M | 1.13B |
| Total Non-Interest Income | 868.67M | 860.17M | 631.48M | 793.40M | 376.19M | 1.13B |
| Revenues Before Loan Losses | -14.30B | -4.24B | 2.45B | 6.38B | 5.39B | 4.09B |
| Provision for Loan Losses | 15.97B | 2.79B | 19.58B | 791.26M | 216.89M | -17.57M |
| Revenue | -30.27B | -7.03B | -17.13B | 5.59B | 5.18B | 4.11B |
| Salaries and Employee Benefits | 2.07B | 2.05B | 1.80B | 1.83B | 1.42B | 1.06B |
| Occupancy Expenses | 986.50M | 923.62M | 863.52M | 846.34M | 740.13M | 646.20M |
| Selling, General & Administrative | 139.81M | 182.32M | 218.58M | 174.22M | 131.83M | 98.42M |
| Other Non-Interest Expense | 1.69B | 2.19B | 1.45B | 671.43M | 416.59M | 362.88M |
| Total Non-Interest Expense | 4.89B | 5.35B | 4.33B | 3.53B | 2.70B | 2.16B |
| EBT Excluding Unusual Items | -35.16B | -12.38B | -21.46B | 2.06B | 2.47B | 1.94B |
| Other Unusual Items | 114.15M | 25.30M | 1.36M | -140.81M | ||
| Pretax Income | -35.16B | -12.38B | -21.35B | 2.09B | 2.47B | 1.80B |
| Income Tax Expense | 84.00M | 88.64M | 172.93M | 1.13B | 1.15B | 774.69M |
| Net Income | -35.24B | -12.47B | -21.52B | 963.16M | 1.32B | 1.03B |
| Net Income to Common | -35.24B | -12.47B | -21.52B | 963.16M | 1.32B | 1.03B |
| Basic Shares Outstanding | 987.44M | 987.44M | 987.44M | 987.44M | 987.44M | 541.19M |
| Diluted Shares Outstanding | 987.44M | 987.44M | 987.44M | 987.44M | 987.44M | 541.19M |
| EPS (Basic) | -35.69 | -12.62 | -21.79 | 0.98 | 1.34 | 1.90 |
| EPS (Diluted) | -35.69 | -12.62 | -21.79 | 0.98 | 1.34 | 1.90 |
| Dividend Per Share | 0.50 | 0.48 | ||||
| Effective Tax Rate | 53.90% | 46.63% | 42.94% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.85B | 1.44B | 2.73B | 3.01B | 1.86B | 4.41B |
| Investment Securities | 13.03B | 12.96B | 13.09B | 10.45B | 12.10B | 10.58B |
| Total Investments | 13.03B | 12.96B | 13.09B | 10.45B | 12.10B | 10.58B |
| Gross Loans | 148.17B | 149.15B | 137.34B | 121.66B | 113.69B | 92.91B |
| Other Adjustments to Gross Loans | -1.49B | -4.87B | -5.93B | -2.98B | -6.60B | |
| Net Loans | 146.67B | 144.28B | 131.41B | 118.68B | 107.09B | 92.91B |
| Property, Plant & Equipment | 1.84B | 2.04B | 2.15B | 2.06B | 2.24B | 2.05B |
| Other Intangible Assets | 143.34M | 171.58M | 155.86M | 101.74M | 131.53M | 27.13M |
| Accrued Interest Receivable | 15.29B | 11.30B | 7.18B | 4.31B | 1.42B | 268.37M |
| Other Receivables | 47.90M | 37.14M | 3.48B | 51.46M | 55.59M | 108.00M |
| Restricted Cash | 14.25B | 8.67B | 10.35B | 4.94B | 7.58B | |
| Other Current Assets | 5.48B | 5.45B | 5.18B | 4.65B | 2.87B | 2.91B |
| Long-Term Deferred Tax Assets | 103.06M | 88.50M | 76.37M | 86.41M | 47.39M | 14.31M |
| Other Long-Term Assets | 168.68M | 196.71M | 101.09M | 71.53M | 50.21M | 38.47M |
| Total Assets | 185.63B | 192.20B | 174.22B | 153.81B | 132.81B | 120.90B |
| Accrued Expenses | 2.34B | 286.89M | 62.67M | 185.50M | 126.01M | 18.44M |
| Interest Bearing Deposits | 114.12B | 122.09B | 118.57B | 112.07B | 112.40B | 103.07B |
| Non-Interest Bearing Deposits | 1.17B | 1.49B | 1.79B | 2.07B | 2.23B | 1.72B |
| Total Deposits | 115.28B | 123.58B | 120.36B | 114.14B | 114.63B | 104.79B |
| Short-Term Borrowings | 33.02B | 26.95B | 14.97B | 11.97B | ||
| Current Portion of Long-Term Debt | 46.21M | 64.18M | 226.07M | 211.16M | 1.14B | |
| Current Income Taxes Payable | 4.50B | 4.50B | 4.44B | 4.37B | 3.28B | 2.94B |
| Accrued Interest Payable | 7.84B | 7.63B | 6.01B | 3.66B | 2.41B | 1.34B |
| Other Current Liabilities | 4.09B | 2.83B | 4.22B | 1.01B | 766.05M | 626.20M |
| Long-Term Debt | 5.29B | 5.12B | 4.81B | 625.66M | 8.71M | 242.17M |
| Long-Term Leases | 939.04M | 939.04M | 902.73M | 1.11B | 1.16B | 1.12B |
| Other Long-Term Liabilities | 56.17B | 41.83B | 27.40B | 3.55B | 2.46B | 1.99B |
| Total Liabilities | 229.47B | 213.70B | 183.25B | 140.85B | 125.05B | 114.20B |
| Common Stock | 9.87B | 9.87B | 9.87B | 9.40B | 5.15B | 4.91B |
| Retained Earnings | -53.71B | -31.37B | -18.90B | 3.56B | 2.61B | 1.79B |
| Shareholders' Equity | -43.84B | -21.49B | -9.03B | 12.96B | 7.76B | 6.70B |
| Total Liabilities & Equity | 185.63B | 192.20B | 174.22B | 153.81B | 132.81B | 120.90B |
| Total Debt | 39.25B | 33.05B | 20.74B | 13.93B | 1.38B | 2.50B |
| Net Cash (Debt) | -32.60B | -27.82B | -14.21B | -7.68B | 3.77B | 4.92B |
| Net Cash Per Share | -33.02 | -28.17 | -14.40 | -7.78 | 3.82 | 9.09 |
| Filing Date Shares Outstanding | 987.44M | 987.44M | 987.44M | 987.44M | 541.19M | 515.42M |
| Total Common Shares Outstanding | 987.44M | 987.44M | 987.44M | 987.44M | 541.19M | 515.42M |
| Book Value Per Share | -44.40 | -21.77 | -9.14 | 13.13 | 14.34 | 13.00 |
| Tangible Book Value | -43.98B | -21.66B | -9.18B | 12.86B | 7.63B | 6.67B |
| Tangible Book Value Per Share | -44.54 | -21.94 | -9.30 | 13.03 | 14.10 | 12.95 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | -35.24B | -12.47B | -21.52B | 963.16M | 1.32B | 1.03B |
| Depreciation & Amortization | 448.96M | 580.83M | 505.42M | 552.37M | 520.48M | 472.63M |
| Other Amortization | 59.39M | 52.98M | 30.86M | 30.69M | 16.41M | 4.34M |
| Gain (Loss) on Sale of Assets | -51.00K | -359.50K | -1.17M | -13.49M | 3.83M | |
| Gain (Loss) on Sale of Investments | 16.06B | 2.90B | 19.61B | 787.29M | 236.85M | |
| Total Asset Writedown | 1.40B | 1.46B | 795.66M | 116.43M | 20.77M | |
| Change in Trading Asset Securities | -2.00B | 2.05B | -2.60M | 3.61B | ||
| Change in Other Net Operating Assets | 1.70B | -1.65B | -13.09B | -13.66B | -13.73B | -9.18B |
| Other Operating Activities | -4.60M | -283.48M | -938.79M | -135.42M | 208.51M | -227.63M |
| Operating Cash Flow | -15.58B | -9.40B | -16.61B | -9.30B | -11.41B | -4.29B |
| Capital Expenditures | -95.77M | -546.90M | -701.40M | -369.74M | -841.94M | -1.73B |
| Sale of Property, Plant and Equipment | 11.77M | 12.07M | 14.70M | 16.74M | 1.82M | |
| Investment in Securities | -114.60M | 132.14M | -93.61M | -443.48M | -1.24B | 19.38M |
| Other Investing Activities | -1.00 | -1.00 | -1.00 | -1.00 | ||
| Investing Cash Flow | -198.60M | -402.68M | -780.31M | -796.47M | -2.08B | -1.71B |
| Issuance of Common Stock | 4.25B | |||||
| Common Dividends Paid | -470.21M | -245.44M | ||||
| Net Increase (Decrease) in Deposit Accounts | 17.36B | 14.09B | 16.45B | 12.36B | 8.82B | 11.71B |
| Financing Cash Flow | 17.85B | 14.09B | 15.98B | 16.61B | 8.57B | 11.71B |
| Net Cash Flow | 2.08B | 4.28B | -1.41B | 6.51B | -4.92B | 5.71B |
| Free Cash Flow | -15.67B | -9.95B | -17.31B | -9.67B | -12.25B | -6.02B |
| Free Cash Flow Margin | -173.02% | -236.72% | -146.51% | |||
| Free Cash Flow Per Share | -15.87 | -10.08 | -17.53 | -9.79 | -12.41 | -11.12 |
| Cash Interest Paid | 16.90B | 12.51B | 8.68B | 7.03B | 9.39B | |
| Cash Income Tax Paid | 34.24M | 363.31M | 896.95M | 1.17B | 897.59M | 714.51M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.68B | 4.84B | 8.49B | 8.46B | ||
| Last Close Price | 1.70 | 4.90 | 8.60 | 8.10 | ||
| PE Ratio | 8.79 | |||||
| PS Ratio | -0.69 | -0.50 | 1.51 | |||
| PB Ratio | -0.23 | -0.94 | 0.65 | |||
| Debt / Equity Ratio | -0.90 | -1.54 | -2.30 | 1.07 | 0.18 | 0.37 |
| Net Debt / Equity Ratio | -0.74 | -1.29 | -1.57 | 0.59 | -0.49 | -0.73 |
| Net Debt / FCF Ratio | -2.08 | -2.79 | -0.82 | -0.79 | 0.31 | 0.82 |
| Return on Equity (ROE) | -1,092.92% | 9.29% | 18.25% | 16.62% | ||
| Return on Assets (ROA) | -6.80% | -13.12% | 0.67% | 1.04% | 0.91% | |
| Earnings Yield | -2,099.50% | -257.65% | -253.42% | 11.38% | ||
| FCF Yield | -933.59% | -205.68% | -203.83% | -114.28% | ||
| Dividend Yield | 5.81% | 5.56% | ||||
| Payout Ratio | 18.60% | |||||
| Buyback Yield / Dilution | -0.27% | -82.46% | -10.25% | |||
| Total Shareholder Return | -0.27% | 5.81% | 5.56% | -82.46% | -10.25% |