DSE : ICBIBANK
ICB Islamic Bank Limited — Financial statements
Commercial Banks · Bangladesh
Last price 2.5 BDT (At close: Oct 28, 2026) · Market cap 1.66B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 174.39M | 259.24M | 151.06M | 210.23M | 213.08M | 292.12M |
| Interest Paid on Deposits | 659.35M | 596.73M | 461.39M | 392.71M | 381.66M | 419.10M |
| Net Interest Income | -484.97M | -337.49M | -310.33M | -182.49M | -168.58M | -126.98M |
| Gain (Loss) on Sale of Assets | 8.70K | 87.38K | 583.33K | |||
| Other Non-Interest Income | 42.66M | 67.45M | 77.18M | 76.17M | 298.24M | 85.03M |
| Total Non-Interest Income | 42.66M | 67.45M | 77.18M | 76.18M | 298.33M | 85.61M |
| Revenues Before Loan Losses | -442.31M | -270.04M | -233.15M | -106.30M | 129.75M | -41.37M |
| Provision for Loan Losses | -20.00M | -50.00M | -40.00M | -40.00M | ||
| Revenue | -442.31M | -270.04M | -213.15M | -56.30M | 169.75M | -1.37M |
| Salaries and Employee Benefits | 228.13M | 205.64M | 227.93M | 239.22M | 195.15M | 164.21M |
| Occupancy Expenses | 256.18M | 248.31M | 343.76M | 148.96M | 130.41M | 75.60M |
| Selling, General & Administrative | 22.92M | 24.26M | 65.05M | 53.51M | 54.91M | 123.43M |
| Other Non-Interest Expense | 49.66M | 56.38M | 92.42M | 61.97M | 34.09M | 25.49M |
| Total Non-Interest Expense | 556.90M | 534.59M | 729.16M | 503.66M | 414.56M | 388.73M |
| EBT Excluding Unusual Items | -999.21M | -804.63M | -942.31M | -559.96M | -244.81M | -390.10M |
| Legal Settlements | -1.02M | -1.02M | -1.38M | -1.76M | -4.54M | -2.45M |
| Pretax Income | -1.00B | -805.65M | -943.69M | -561.72M | -249.34M | -392.55M |
| Income Tax Expense | 2.97M | 3.27M | 1.37M | 1.72M | 3.07M | 2.27M |
| Net Income | -1.00B | -808.91M | -945.06M | -563.44M | -252.41M | -394.82M |
| Net Income to Common | -1.00B | -808.91M | -945.06M | -563.44M | -252.41M | -394.82M |
| Basic Shares Outstanding | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M |
| Diluted Shares Outstanding | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M |
| EPS (Basic) | -1.51 | -1.22 | -1.42 | -0.85 | -0.38 | -0.59 |
| EPS (Diluted) | -1.51 | -1.22 | -1.42 | -0.85 | -0.38 | -0.59 |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 592.89M | 89.26M | 14.60M | 157.82M | 558.47M | 508.27M |
| Investment Securities | 10.57M | 396.67M | 524.08M | 10.57M | 10.57M | 128.51M |
| Total Investments | 10.57M | 396.67M | 524.08M | 10.57M | 10.57M | 128.51M |
| Gross Loans | 6.22B | 6.32B | 7.42B | 7.91B | 8.14B | 8.44B |
| Net Loans | 6.22B | 6.32B | 7.42B | 7.91B | 8.14B | 8.44B |
| Property, Plant & Equipment | 184.84M | 154.02M | 183.36M | 164.48M | 224.38M | 287.03M |
| Other Intangible Assets | 120.36K | 54.67K | 565.86K | |||
| Accrued Interest Receivable | 5.56M | 5.56M | 5.56M | 6.41M | 6.50M | |
| Other Receivables | 3.39M | 9.86M | 5.95M | 6.82M | 7.38M | |
| Restricted Cash | 226.31M | 605.23M | 23.51M | 1.35B | 386.86M | 1.05B |
| Other Current Assets | 206.42M | 244.50M | 222.35M | 218.12M | 199.53M | |
| Long-Term Deferred Tax Assets | 112.74M | 112.74M | 112.74M | 112.74M | 112.74M | |
| Other Real Estate Owned & Foreclosed | 827.77K | 928.21K | 1.04M | 1.13M | 1.23M | |
| Other Long-Term Assets | 4.30B | 748.63M | 707.97M | 749.14M | 744.58M | 848.35M |
| Total Assets | 11.53B | 8.64B | 9.24B | 10.69B | 10.41B | 11.58B |
| Accrued Expenses | 274.94M | 144.34M | 98.50M | 117.44M | 125.82M | |
| Interest Bearing Deposits | 10.13B | 10.10B | 10.39B | 11.54B | 11.36B | 12.19B |
| Non-Interest Bearing Deposits | 453.32M | 275.25M | 494.40M | 553.97M | 518.99M | 468.18M |
| Total Deposits | 10.58B | 10.37B | 10.88B | 12.10B | 11.88B | 12.66B |
| Current Portion of Long-Term Debt | 2.52B | 1.07B | 2.20M | 2.20M | 2.20M | |
| Current Income Taxes Payable | 44.02M | 40.75M | 37.67M | 39.71M | 38.24M | |
| Accrued Interest Payable | 104.55M | 112.21M | 100.89M | 87.51M | 103.39M | |
| Other Current Liabilities | 226.34M | 475.25M | 242.04M | 123.54M | 155.19M | 178.10M |
| Long-Term Debt | 7.31B | 4.79B | 4.79B | 5.54B | 4.79B | 4.79B |
| Long-Term Leases | 154.61M | 181.95M | 161.55M | 217.83M | 264.50M | |
| Other Long-Term Liabilities | 8.51B | 4.53B | 5.60B | 5.40B | 5.42B | 5.48B |
| Total Liabilities | 26.63B | 23.26B | 23.06B | 23.56B | 22.71B | 23.64B |
| Common Stock | 6.65B | 6.65B | 6.65B | 6.65B | 6.65B | 6.65B |
| Retained Earnings | -22.20B | -21.73B | -20.92B | -19.97B | -19.41B | -19.16B |
| Comprehensive Income & Other | 455.28M | 455.28M | 455.28M | 455.28M | 455.28M | 455.28M |
| Shareholders' Equity | -15.10B | -14.62B | -13.81B | -12.87B | -12.31B | -12.05B |
| Total Liabilities & Equity | 11.53B | 8.64B | 9.24B | 10.69B | 10.41B | 11.58B |
| Total Debt | 7.31B | 7.46B | 6.04B | 5.70B | 5.01B | 5.05B |
| Net Cash (Debt) | -6.71B | -6.99B | -5.51B | -5.54B | -4.45B | -4.43B |
| Net Cash Per Share | -10.10 | -10.51 | -8.29 | -8.34 | -6.69 | -6.66 |
| Filing Date Shares Outstanding | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M |
| Total Common Shares Outstanding | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M | 664.70M |
| Book Value Per Share | -22.72 | -22.00 | -20.78 | -19.36 | -18.51 | -18.13 |
| Tangible Book Value | -15.10B | -14.62B | -13.82B | -12.87B | -12.31B | -12.05B |
| Tangible Book Value Per Share | -22.72 | -22.00 | -20.78 | -19.36 | -18.51 | -18.14 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -1.00B | -808.91M | -945.06M | -563.44M | -252.41M | -394.82M |
| Depreciation & Amortization | 54.36M | 54.26M | 71.55M | 62.44M | 72.09M | 8.81M |
| Other Amortization | 340.58K | 340.58K | ||||
| Gain (Loss) on Sale of Investments | 129.04M | 129.04M | 20.00M | 50.00M | 40.00M | |
| Change in Other Net Operating Assets | -64.49M | 1.48B | 675.17M | 825.07M | 206.50M | 120.56M |
| Other Operating Activities | 2.61M | 3.27M | 1.37M | 6.52M | 3.07M | 60.55M |
| Operating Cash Flow | -881.33M | 855.18M | -176.98M | 380.59M | 69.25M | -204.90M |
| Capital Expenditures | -7.30M | -2.86M | -1.07M | -2.54M | -8.87M | -6.96M |
| Sale of Property, Plant and Equipment | 8.70K | 87.38K | 583.33K | |||
| Investing Cash Flow | -7.30M | -2.86M | -1.07M | -2.53M | -8.79M | -6.38M |
| Net Increase (Decrease) in Deposit Accounts | 240.76M | -324.31M | -772.39M | 130.62M | -655.39M | 500.28M |
| Financing Cash Flow | 240.76M | -324.31M | -772.39M | 130.62M | -655.39M | 500.28M |
| Foreign Exchange Rate Adjustments | 1.71M | 958.91K | -1.77M | 11.88M | 22.11M | 2.84M |
| Net Cash Flow | -646.16M | 528.96M | -952.20M | 520.56M | -572.82M | 291.85M |
| Free Cash Flow | -888.63M | 852.31M | -178.04M | 378.05M | 60.37M | -211.86M |
| Free Cash Flow Margin | 35.57% | |||||
| Free Cash Flow Per Share | -1.34 | 1.28 | -0.27 | 0.57 | 0.09 | -0.32 |
| Cash Interest Paid | 574.15M | 593.07M | 448.01M | 399.33M | 397.54M | 397.96M |
| Cash Income Tax Paid | 474.25K | 1.24M | 685.16K | 670.47K | 1.02M | 655.43K |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.66B | 1.53B | 1.99B | 3.59B | 3.59B | 3.46B |
| Last Close Price | 2.50 | 2.30 | 3.00 | 5.40 | 5.40 | 5.20 |
| PS Ratio | -5.66 | -9.36 | -63.75 | 21.14 | -2,521.75 | |
| PB Ratio | -0.10 | -0.14 | -0.28 | -0.29 | -0.29 | |
| P/FCF Ratio | 1.79 | 9.49 | 59.45 | |||
| P/OCF Ratio | 1.79 | 9.43 | 51.84 | |||
| Debt / Equity Ratio | -0.48 | -0.51 | -0.44 | -0.44 | -0.41 | -0.42 |
| Debt / FCF Ratio | 8.76 | 15.08 | 82.92 | |||
| Net Debt / Equity Ratio | -0.45 | -0.48 | -0.40 | -0.43 | -0.36 | -0.37 |
| Net Debt / FCF Ratio | -7.56 | 8.20 | -30.94 | 14.66 | 73.67 | -20.89 |
| Return on Assets (ROA) | -9.49% | -9.05% | -9.49% | -5.34% | -2.30% | -3.46% |
| Earnings Yield | -60.37% | -52.91% | -47.39% | -15.70% | -7.03% | -11.42% |
| FCF Yield | -53.48% | 55.75% | -8.93% | 10.53% | 1.68% | -6.13% |