DSE : IFIC
IFIC Bank PLC — Financial statements
Commercial Banks · Bangladesh
Last price 5 BDT (At close: Oct 29, 2026) · Market cap 9.61B
Latest research: IFIC Bank financial analysis: 61% NPL, BDT 216bn provision shortfall (sum of notes) deferred, CRAR 1.8% and negative equity (Oct 2026) · IFIC Bank: 61% of loans classified, a BDT 216bn provision shortfall (our sum of notes) deferred by Bangladesh Bank, CRAR of 1.8% and negative equity by June 2026
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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 | 17.46B | 21.91B | 39.94B | 32.85B | 26.29B | 22.59B |
| Interest Paid on Deposits | 45.37B | 44.19B | 37.41B | 24.48B | 18.19B | 15.43B |
| Net Interest Income | -27.91B | -22.28B | 2.53B | 8.38B | 8.10B | 7.16B |
| Gain (Loss) on Sale of Assets | 2.24M | 2.24M | 4.45M | 25.93M | 2.01M | -15.24M |
| Gain (Loss) on Sale of Investments | 231.27M | 136.74M | -960.80M | 272.04M | -2.42M | 1.39B |
| Other Non-Interest Income | 10.89B | 10.55B | 9.29B | 6.91B | 7.46B | 5.81B |
| Total Non-Interest Income | 11.12B | 10.69B | 8.33B | 7.21B | 7.46B | 7.19B |
| Revenues Before Loan Losses | -16.79B | -11.59B | 10.86B | 15.58B | 15.56B | 14.35B |
| Provision for Loan Losses | 12.82M | 1.58B | 1.08B | 2.15B | 2.68B | |
| Revenue | -16.81B | -11.59B | 9.28B | 14.51B | 13.41B | 11.67B |
| Salaries and Employee Benefits | 5.14B | 5.10B | 4.96B | 4.45B | 3.62B | 3.12B |
| Occupancy Expenses | 2.55B | 2.41B | 2.10B | 1.90B | 1.60B | 1.31B |
| Selling, General & Administrative | 2.11B | 2.15B | 2.35B | 1.98B | 1.60B | 1.15B |
| Other Non-Interest Expense | 2.39B | 2.36B | 2.54B | 1.93B | 1.66B | 1.18B |
| Total Non-Interest Expense | 12.20B | 12.03B | 11.96B | 10.22B | 8.43B | 6.50B |
| EBT Excluding Unusual Items | -29.01B | -23.62B | -2.68B | 4.29B | 4.98B | 5.16B |
| Pretax Income | -29.01B | -23.62B | -2.68B | 4.29B | 4.98B | 5.16B |
| Income Tax Expense | 1.99B | 1.98B | -1.47B | 1.28B | 1.54B | 2.62B |
| Earnings From Continuing Operations | -31.00B | -25.60B | -1.21B | 3.01B | 3.44B | 2.54B |
| Minority Interest in Earnings | -207.00 | -419.00 | 146.00 | -1.69K | -1.04K | -3.10K |
| Net Income | -31.00B | -25.60B | -1.21B | 3.01B | 3.44B | 2.54B |
| Net Income to Common | -31.00B | -25.60B | -1.21B | 3.01B | 3.44B | 2.54B |
| Basic Shares Outstanding | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B |
| Diluted Shares Outstanding | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B |
| EPS (Basic) | -16.13 | -13.32 | -0.63 | 1.56 | 1.79 | 1.32 |
| EPS (Diluted) | -16.13 | -13.32 | -0.63 | 1.56 | 1.79 | 1.32 |
| Dividend Per Share | 0.23 | |||||
| Effective Tax Rate | 29.88% | 30.87% | 50.79% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 47.07B | 26.95B | 29.50B | 19.08B | 22.97B | 13.70B |
| Investment Securities | 74.46B | 73.45B | 50.17B | 60.17B | 58.89B | 61.26B |
| Total Investments | 74.46B | 73.45B | 50.17B | 60.17B | 58.89B | 61.26B |
| Gross Loans | 452.83B | 445.00B | 448.88B | 414.98B | 355.86B | 306.33B |
| Net Loans | 452.83B | 445.00B | 448.88B | 414.98B | 355.86B | 306.33B |
| Property, Plant & Equipment | 8.92B | 9.61B | 10.01B | 10.34B | 9.30B | 7.97B |
| Accrued Interest Receivable | 1.41B | 1.51B | 1.40B | 1.47B | 1.29B | 1.77B |
| Other Receivables | 285.02M | 51.69M | 60.76M | 77.96M | 41.03M | 260.79M |
| Restricted Cash | 28.35B | 23.99B | 19.03B | 18.28B | 16.80B | |
| Other Current Assets | 2.11B | 682.04M | 431.95M | 693.54M | 466.54M | 545.87M |
| Long-Term Deferred Tax Assets | 3.13B | 3.04B | 4.68B | 2.86B | 2.10B | 801.84M |
| Other Real Estate Owned & Foreclosed | 214.08M | 222.52M | 48.00M | 48.00M | 148.47M | 148.47M |
| Other Long-Term Assets | 3.46B | 3.43B | 2.31B | 1.18B | 1.20B | 787.35M |
| Total Assets | 593.90B | 592.29B | 571.48B | 529.94B | 470.55B | 410.40B |
| Accrued Expenses | 578.07M | 864.76M | 1.05B | 998.92M | 1.01B | 880.78M |
| Interest Bearing Deposits | 527.74B | 503.04B | 464.20B | 435.37B | 369.76B | 327.35B |
| Total Deposits | 527.74B | 503.04B | 464.20B | 435.37B | 369.76B | 327.35B |
| Short-Term Borrowings | 764.47M | 17.66M | 15.35M | 1.95B | 257.40M | |
| Current Portion of Long-Term Debt | 2.05B | 4.55B | 7.70B | 19.20B | 14.07B | |
| Current Income Taxes Payable | 1.38B | 2.20B | 2.00B | |||
| Accrued Interest Payable | 409.43M | 12.50B | 8.32B | 4.88B | 3.66B | 3.11B |
| Other Current Liabilities | 65.91M | 2.49B | 2.88B | 2.00B | 2.14B | 1.94B |
| Long-Term Debt | 9.70B | 7.46B | 9.76B | 10.81B | 10.17B | 6.64B |
| Long-Term Leases | 1.69B | 1.88B | 1.49B | 1.53B | 1.12B | 975.13M |
| Other Long-Term Liabilities | 60.82B | 51.69B | 44.31B | 29.12B | 25.72B | 22.95B |
| Total Liabilities | 601.00B | 582.75B | 536.58B | 493.81B | 436.94B | 380.17B |
| Common Stock | 19.22B | 19.22B | 19.22B | 18.31B | 17.86B | 17.01B |
| Retained Earnings | -26.78B | -10.10B | 15.50B | 17.62B | 15.54B | 12.97B |
| Comprehensive Income & Other | 460.92M | 419.81M | 180.70M | 196.34M | 213.83M | 253.80M |
| Total Common Equity | -7.10B | 9.54B | 34.90B | 36.13B | 33.61B | 30.24B |
| Minority Interest | 19.05K | 19.11K | 18.69K | 18.84K | 17.15K | 16.11K |
| Shareholders' Equity | -7.10B | 9.54B | 34.90B | 36.13B | 33.61B | 30.24B |
| Total Liabilities & Equity | 593.90B | 592.29B | 571.48B | 529.94B | 470.55B | 410.40B |
| Total Debt | 11.39B | 12.15B | 15.82B | 20.06B | 32.44B | 21.94B |
| Net Cash (Debt) | 35.68B | 14.80B | 13.68B | -981.17M | -9.47B | -8.24B |
| Net Cash Per Share | 18.56 | 7.70 | 7.12 | -0.51 | -4.93 | -4.29 |
| Filing Date Shares Outstanding | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B |
| Total Common Shares Outstanding | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B | 1.92B |
| Book Value Per Share | -3.69 | 4.96 | 18.16 | 18.79 | 17.49 | 15.73 |
| Tangible Book Value | -7.10B | 9.54B | 34.90B | 36.13B | 33.61B | 30.24B |
| Tangible Book Value Per Share | -3.69 | 4.96 | 18.16 | 18.79 | 17.49 | 15.73 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -31.00B | -25.60B | -1.21B | 3.01B | 3.44B | 2.54B |
| Depreciation & Amortization | 1.52B | 1.39B | 1.19B | 1.16B | 988.53M | 809.97M |
| Other Amortization | 270.62M | 270.62M | 202.06M | 144.95M | 111.13M | 91.17M |
| Change in Trading Asset Securities | -2.87B | -19.61B | -3.42B | -6.22B | 2.87B | 7.67B |
| Change in Other Net Operating Assets | 359.06M | 9.95B | -22.22B | -57.66B | -50.17B | -43.09B |
| Other Operating Activities | 4.69B | 4.97B | 2.95B | 703.58M | 2.64B | 2.29B |
| Operating Cash Flow | -27.04B | -28.63B | -22.50B | -58.86B | -40.13B | -29.68B |
| Capital Expenditures | -264.62M | -403.39M | -770.06M | -1.51B | -1.87B | -1.22B |
| Sale of Property, Plant and Equipment | 8.38M | 6.84M | 6.63M | 61.14M | 3.98M | 215.37M |
| Investment in Securities | 6.49B | -3.54B | 13.39B | 4.90B | -459.29M | -10.56B |
| Other Investing Activities | 1.00 | -1.00 | ||||
| Investing Cash Flow | 6.23B | -3.93B | 12.62B | 3.45B | -2.32B | -11.56B |
| Long-Term Debt Issued | 10.36B | 5.84B | ||||
| Long-Term Debt Repaid | -4.05B | -4.20B | -12.80B | -79.99K | ||
| Lease Payments | -79.99K | |||||
| Net Debt Issued (Repaid) | -3.54B | -4.05B | -4.20B | -12.80B | 10.36B | 5.84B |
| Common Dividends Paid | -446.48M | |||||
| Net Increase (Decrease) in Deposit Accounts | 18.87B | 38.36B | 29.18B | 65.31B | 42.42B | 37.03B |
| Financing Cash Flow | 15.33B | 34.30B | 24.99B | 52.07B | 52.77B | 42.87B |
| Foreign Exchange Rate Adjustments | -26.12M | 62.95M | 277.11M | 188.36M | 428.10M | -22.30M |
| Net Cash Flow | -5.51B | 1.81B | 15.38B | -3.14B | 10.75B | 1.60B |
| Free Cash Flow | -27.30B | -29.03B | -23.27B | -60.36B | -41.99B | -30.90B |
| Free Cash Flow Margin | -250.73% | -416.07% | -313.25% | -264.83% | ||
| Free Cash Flow Per Share | -14.20 | -15.10 | -12.11 | -31.41 | -21.85 | -16.08 |
| Free Cash Flow After Leases | -27.30B | -29.03B | -23.27B | -60.36B | -41.99B | -30.90B |
| Cash Interest Paid | 41.04B | 40.01B | 33.97B | 23.26B | 17.64B | 15.91B |
| Cash Income Tax Paid | 1.43B | 685.95M | 1.78B | 2.68B | 2.55B | 2.10B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 9.61B | 8.84B | 13.84B | 20.50B | 20.54B | 28.74B |
| Last Close Price | 5.00 | 4.60 | 7.20 | 10.67 | 10.45 | 14.63 |
| PE Ratio | 6.82 | 5.97 | 11.31 | |||
| PS Ratio | -0.76 | 1.49 | 1.41 | 1.53 | 2.46 | |
| PB Ratio | 0.93 | 0.40 | 0.57 | 0.61 | 0.95 | |
| Debt / Equity Ratio | -1.61 | 1.27 | 0.45 | 0.56 | 0.96 | 0.73 |
| Net Debt / Equity Ratio | 5.03 | -1.55 | -0.39 | 0.03 | 0.28 | 0.27 |
| Net Debt / FCF Ratio | 1.31 | 0.51 | 0.59 | -0.02 | -0.23 | -0.27 |
| Return on Equity (ROE) | -373.24% | -115.19% | -3.40% | 8.62% | 10.78% | 8.76% |
| Return on Assets (ROA) | -5.20% | -4.40% | -0.22% | 0.60% | 0.78% | 0.66% |
| Earnings Yield | -322.61% | -289.54% | -8.72% | 14.66% | 16.76% | 8.84% |
| FCF Yield | -284.08% | -328.34% | -168.16% | -294.42% | -204.47% | -107.50% |
| Dividend Yield | 4.65% | 2.17% | ||||
| Payout Ratio | 14.86% | |||||
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 4.65% | 2.17% |