DSE : ILFSL
International Leasing and Financial Services Limited — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 2.1 BDT (At close: Aug 10, 2026) · Market cap 465.80M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | -502.64M | 32.20M | 1.08B | 1.36B | 1.73B | 1.93B |
| Total Interest Expense | 2.63B | 2.80B | 2.67B | 3.12B | 3.47B | 4.39B |
| Net Interest Income | -3.14B | -2.77B | -1.59B | -1.76B | -1.73B | -2.46B |
| Commissions and Fees | 22.41M | 41.51M | 45.99M | 90.17M | 165.59M | 91.09M |
| Other Revenue | -298.46M | -298.46M | 2.78M | 28.12K | 293.54K | 575.78K |
| Revenue Before Loan Losses | -3.41B | -3.02B | -1.54B | -1.67B | -1.57B | -2.37B |
| Provision for Loan Losses | 4.37B | 3.88B | 432.26M | -534.08M | -73.92M | 2.75B |
| Revenue | -7.78B | -6.90B | -1.98B | -1.13B | -1.49B | -5.12B |
| Salaries & Employee Benefits | 91.99M | 101.91M | 94.02M | 99.21M | 104.46M | 126.04M |
| Cost of Services Provided | 54.04M | 58.10M | 62.74M | 58.86M | 28.02M | 34.21M |
| Other Operating Expenses | 28.42M | 26.72M | 26.61M | 24.50M | 23.22M | 16.84M |
| Total Operating Expenses | 181.74M | 194.68M | 194.08M | 197.21M | 191.01M | 223.79M |
| Operating Income | -7.96B | -7.10B | -2.17B | -1.33B | -1.68B | -5.35B |
| EBT Excluding Unusual Items | -9.49B | -8.63B | -2.43B | -1.77B | -2.02B | -6.93B |
| Gain (Loss) on Sale of Investments | 3.44M | 1.55M | -5.70M | -1.09M | -2.99M | 22.09M |
| Pretax Income | -9.49B | -8.63B | -2.44B | -1.77B | -2.02B | -6.91B |
| Income Tax Expense | 17.43M | 27.38M | 16.59M | 20.12M | 31.86M | 33.03M |
| Earnings From Continuing Ops. | -9.51B | -8.65B | -2.45B | -1.79B | -2.05B | -6.94B |
| Minority Interest in Earnings | 220.00 | 220.00 | 540.00 | 64.00 | -2.65K | -421.00 |
| Net Income | -9.51B | -8.65B | -2.45B | -1.79B | -2.05B | -6.94B |
| Net Income to Common | -9.51B | -8.65B | -2.45B | -1.79B | -2.05B | -6.94B |
| Shares Outstanding (Basic) | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M |
| Shares Outstanding (Diluted) | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M |
| EPS (Basic) | -42.86 | -39.01 | -11.07 | -8.05 | -9.26 | -31.30 |
| EPS (Diluted) | -42.86 | -39.01 | -11.07 | -8.05 | -9.26 | -31.30 |
| Free Cash Flow | -32.62M | -444.86M | -292.73M | -321.23M | -336.65M | -1.59B |
| Free Cash Flow Per Share | -0.15 | -2.01 | -1.32 | -1.45 | -1.52 | -7.16 |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 587.74K | 395.43K | 404.08K | 301.79K | 331.58K | 801.22K |
| Long-Term Investments | 754.52M | 747.34M | 608.68M | 597.89M | 696.09M | 640.42M |
| Loans & Lease Receivables | 41.57B | 41.82B | 41.60B | 42.03B | 41.81B | 41.29B |
| Other Receivables | 3.57B | 3.49B | 3.83B | 3.55B | 3.45B | 207.05M |
| Property, Plant & Equipment | 12.02M | 5.67M | 3.98M | 5.31M | 12.64M | 45.55M |
| Other Intangible Assets | 5.40M | 7.18M | 10.72M | 1.00 | 1.00 | 1.00 |
| Other Current Assets | 3.17B | |||||
| Other Long-Term Assets | 2.33B | 2.37B | 2.09B | 1.69B | 1.47B | 1.20B |
| Total Assets | 48.25B | 48.44B | 48.14B | 47.88B | 47.45B | 46.56B |
| Interest Bearing Deposits | 29.85B | 29.75B | 29.29B | 28.17B | 27.61B | 25.88B |
| Total Deposits | 29.85B | 29.75B | 29.29B | 28.17B | 27.61B | 25.88B |
| Accrued Expenses | 5.61B | 3.77B | 3.37B | 2.99B | ||
| Short-Term Debt | 3.10B | 3.31B | 506.50M | 531.10M | ||
| Current Portion of Long-Term Debt | 3.54B | 365.11M | 2.81B | 2.71B | ||
| Long-Term Debt | 8.88B | 15.49B | 14.02B | 9.56B | 9.36B | 9.04B |
| Long-Term Leases | 6.16M | 11.84M | 14.16M | 35.69M | ||
| Current Income Taxes Payable | 969.34M | 969.34M | 969.34M | 969.34M | ||
| Other Current Liabilities | 1.59B | 1.22B | 1.01B | 797.94M | ||
| Pension & Post-Retirement Benefits | 15.44M | 11.50M | 10.82M | 9.44M | ||
| Other Long-Term Liabilities | 43.26B | 50.30B | 43.27B | 36.48B | 35.99B | 35.73B |
| Total Liabilities | 96.83B | 95.54B | 86.58B | 83.87B | 81.65B | 78.70B |
| Common Stock | 2.22B | 2.22B | 2.22B | 2.22B | 2.22B | 2.22B |
| Retained Earnings | -50.80B | -49.31B | -40.66B | -38.21B | -36.42B | -34.37B |
| Total Common Equity | -48.58B | -47.10B | -38.44B | -35.99B | -34.20B | -32.15B |
| Minority Interest | 22.54K | 21.84K | 22.06K | 22.54K | 22.60K | 19.95K |
| Shareholders' Equity | -48.58B | -47.10B | -38.44B | -35.99B | -34.20B | -32.15B |
| Total Liabilities & Equity | 48.25B | 48.44B | 48.14B | 47.88B | 47.45B | 46.56B |
| Total Debt | 15.54B | 15.49B | 14.02B | 13.25B | 12.69B | 12.33B |
| Net Cash (Debt) | -15.54B | -15.49B | -14.02B | -13.25B | -12.69B | -12.33B |
| Net Cash Per Share | -70.04 | -69.83 | -63.21 | -59.72 | -57.21 | -55.57 |
| Filing Date Shares Outstanding | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M |
| Total Common Shares Outstanding | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M | 221.81M |
| Working Capital | 479.24M | 15.56B | 16.14B | 7.78B | 8.99B | 10.78B |
| Book Value Per Share | -219.03 | -212.32 | -173.31 | -162.24 | -154.19 | -144.93 |
| Tangible Book Value | -48.59B | -47.10B | -38.45B | -35.99B | -34.20B | -32.15B |
| Tangible Book Value Per Share | -219.06 | -212.35 | -173.36 | -162.24 | -154.19 | -144.93 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | -9.51B | -8.65B | -2.45B | -1.79B | -2.05B | -6.94B |
| Depreciation & Amortization | 1.06M | 516.84K | 487.66K | 8.93M | 31.05M | 44.68M |
| Other Amortization | 2.66M | 3.54M | 5.28M | |||
| Change in Other Net Operating Assets | 1.23B | 1.73B | 1.13B | 1.93B | 3.44B | 1.53B |
| Other Operating Activities | 8.24B | 6.48B | 1.03B | -474.50M | -1.75B | 3.80B |
| Operating Cash Flow | -28.05M | -444.86M | -281.12M | -317.72M | -336.03M | -1.56B |
| Capital Expenditures | -4.57M | -11.60M | -3.52M | -614.47K | -27.70M | |
| Sale of Property, Plant & Equipment | 391.18K | 391.18K | ||||
| Investment in Securities | 107.42M | -138.66M | -10.80M | 136.88M | 24.21M | 31.82M |
| Investing Cash Flow | 103.24M | -138.26M | -22.40M | 133.36M | 23.60M | 4.12M |
| Short-Term Debt Issued | 64.32M | 97.61M | 248.66M | |||
| Long-Term Debt Issued | 586.48M | 786.71M | 287.92M | 288.01M | 665.85M | |
| Total Debt Issued | 25.40M | 586.48M | 786.71M | 352.24M | 385.62M | 914.51M |
| Short-Term Debt Repaid | -200.00K | -192.74M | ||||
| Long-Term Debt Repaid | -15.80M | -68.23M | ||||
| Total Debt Repaid | -400.00K | -200.00K | -208.54M | -68.23M | ||
| Net Debt Issued (Repaid) | 25.00M | 586.28M | 578.17M | 284.01M | 385.62M | 914.51M |
| Other Financing Activities | 1.00 | 1.00 | -1.00 | |||
| Financing Cash Flow | 25.00M | 586.28M | 578.17M | 284.01M | 385.62M | 914.51M |
| Net Cash Flow | 100.19M | 3.15M | 274.65M | 99.66M | 73.18M | -642.35M |
| Free Cash Flow | -32.62M | -444.86M | -292.73M | -321.23M | -336.65M | -1.59B |
| Free Cash Flow Per Share | -0.15 | -2.01 | -1.32 | -1.45 | -1.52 | -7.16 |
| Cash Interest Paid | 2.42B | 2.67B | 3.12B | 3.12B | 3.47B | 4.39B |
| Cash Income Tax Paid | 14.09M | 20.67M | 16.47M | -35.54M | 13.43M | 13.84M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 465.80M | 820.70M | 1.24B | 1.38B | 1.46B | 1.33B |
| PS Ratio | -0.12 | -0.63 | -1.22 | -0.98 | -0.26 | |
| PB Ratio | -0.02 | -0.03 | -0.04 | -0.04 | -0.04 | |
| Debt / Equity Ratio | -0.32 | -0.33 | -0.36 | -0.37 | -0.37 | -0.38 |
| Net Debt / Equity Ratio | -0.32 | -0.33 | -0.36 | -0.37 | -0.37 | -0.38 |
| Net Debt / FCF Ratio | -476.18 | -34.82 | -47.90 | -41.23 | -37.70 | -7.76 |
| Quick Ratio | 1.01 | 1.52 | 1.55 | 1.21 | 1.25 | 1.23 |
| Current Ratio | 1.01 | 1.52 | 1.55 | 1.21 | 1.25 | 1.32 |
| Return on Assets (ROA) | -19.64% | -17.92% | -5.11% | -3.74% | -4.37% | -15.10% |
| Earnings Yield | -2,041.15% | -1,054.40% | -197.61% | -129.81% | -140.33% | -521.64% |
| FCF Yield | -7.00% | -54.21% | -23.57% | -23.36% | -23.00% | -119.37% |