DSE : ISLAMIBANK
Islami Bank Bangladesh PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 22.7 BDT (At close: Oct 29, 2026) · Market cap 36.55B
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Technical report: trend, RSI, support and resistance, charts
Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 110.56B | 123.88B | 120.48B | 104.90B | 87.88B | 73.27B |
| Interest Paid on Deposits | 104.10B | 105.41B | 89.57B | 65.61B | 54.02B | 44.89B |
| Net Interest Income | 6.45B | 18.47B | 30.91B | 39.29B | 33.86B | 28.38B |
| Gain (Loss) on Sale of Investments | -765.69M | -888.52M | -852.82M | -219.59M | -483.15M | -313.78M |
| Other Non-Interest Income | 19.89B | 22.17B | 32.00B | 21.59B | 19.26B | 15.65B |
| Total Non-Interest Income | 19.13B | 21.29B | 31.15B | 21.37B | 18.77B | 15.34B |
| Revenues Before Loan Losses | 25.58B | 39.76B | 62.06B | 60.66B | 52.63B | 43.72B |
| Provision for Loan Losses | 249.91M | 500.00M | 4.06B | 5.72B | 6.36B | 5.07B |
| Revenue | 25.33B | 39.26B | 58.00B | 54.95B | 46.27B | 38.65B |
| Salaries and Employee Benefits | 24.18B | 23.77B | 25.50B | 22.08B | 20.30B | 17.34B |
| Occupancy Expenses | 3.79B | 3.79B | 3.87B | 3.89B | 3.83B | 3.31B |
| Selling, General & Administrative | 644.20M | 655.79M | 584.34M | 539.51M | 471.55M | 383.95M |
| Other Non-Interest Expense | 7.37B | 7.31B | 17.59B | 10.52B | 5.75B | 4.97B |
| Total Non-Interest Expense | 35.99B | 35.53B | 47.55B | 37.04B | 30.36B | 26.01B |
| EBT Excluding Unusual Items | -10.66B | 3.73B | 10.45B | 17.91B | 15.91B | 12.64B |
| Pretax Income | -10.66B | 3.73B | 10.45B | 17.91B | 15.91B | 12.64B |
| Income Tax Expense | 1.82B | 2.36B | 9.36B | 11.55B | 9.74B | 7.83B |
| Earnings From Continuing Operations | -12.48B | 1.36B | 1.09B | 6.35B | 6.17B | 4.81B |
| Minority Interest in Earnings | -14.84K | -15.93K | -13.91K | -13.25K | -13.54K | -17.79K |
| Net Income | -12.48B | 1.36B | 1.09B | 6.35B | 6.17B | 4.81B |
| Net Income to Common | -12.48B | 1.36B | 1.09B | 6.35B | 6.17B | 4.81B |
| Basic Shares Outstanding | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B |
| Diluted Shares Outstanding | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B |
| EPS (Basic) | -7.75 | 0.85 | 0.68 | 3.95 | 3.83 | 2.99 |
| EPS (Diluted) | -7.75 | 0.85 | 0.68 | 3.95 | 3.83 | 2.99 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | |||
| Effective Tax Rate | 63.41% | 89.59% | 64.52% | 61.24% | 61.97% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 134.80B | 152.42B | 144.99B | 146.10B | 147.62B | 104.62B |
| Investment Securities | 227.18B | 196.91B | 187.33B | 88.88B | 91.39B | 95.65B |
| Total Investments | 227.18B | 196.91B | 187.33B | 88.88B | 91.39B | 95.65B |
| Gross Loans | 1.89T | 1.93T | 1.61T | 1.66T | 1.51T | 1.24T |
| Allowance for Loan Losses | -71.50B | -65.98B | -65.61B | -57.74B | -51.09B | |
| Net Loans | 1.89T | 1.86T | 1.55T | 1.60T | 1.46T | 1.19T |
| Property, Plant & Equipment | 17.03B | 17.25B | 17.80B | 15.33B | 18.28B | 18.40B |
| Other Intangible Assets | 56.22M | -444.24M | 122.39M | 177.85M | ||
| Accrued Interest Receivable | 13.43B | 11.38B | 7.58B | 6.69B | 3.78B | 1.14B |
| Other Receivables | 18.21B | 20.92B | 6.22B | 2.69B | 5.42B | 547.61M |
| Restricted Cash | 89.67B | 87.14B | 68.10B | 78.10B | 91.14B | 222.51B |
| Other Current Assets | 19.06B | 14.19B | 244.12B | 94.96B | 20.77B | 6.15B |
| Other Long-Term Assets | 3.84B | 4.77B | 3.51B | 4.19B | 3.77B | 1.47B |
| Total Assets | 2.41T | 2.36T | 2.23T | 2.03T | 1.84T | 1.64T |
| Accrued Expenses | 1.19B | 12.14B | 14.88B | 11.04B | 9.17B | |
| Interest Bearing Deposits | 1.48T | 1.62T | 1.41T | 1.32T | 1.25T | 1.25T |
| Non-Interest Bearing Deposits | 144.62B | 186.67B | 181.00B | 197.64B | 153.25B | 125.92B |
| Total Deposits | 1.63T | 1.81T | 1.59T | 1.52T | 1.40T | 1.37T |
| Short-Term Borrowings | 187.44B | 36.77B | ||||
| Current Portion of Long-Term Debt | 184.97B | |||||
| Current Income Taxes Payable | 19.06B | 20.62B | 25.50B | 21.18B | 16.97B | |
| Other Current Liabilities | 136.97B | 123.27B | 90.59B | 67.61B | 54.12B | 8.12B |
| Long-Term Debt | 467.43B | 37.07B | 323.06B | 242.58B | 31.00B | 30.78B |
| Long-Term Leases | 4.53B | 4.53B | 3.84B | 918.35M | 1.15B | 1.39B |
| Long-Term Unearned Revenue | 170.00K | 200.00K | 170.00K | |||
| Long-Term Deferred Tax Liabilities | 845.53M | 997.36M | 1.07B | 1.20B | 1.46B | 1.58B |
| Other Long-Term Liabilities | 93.23B | 96.94B | 107.57B | 94.27B | 68.81B | 119.58B |
| Total Liabilities | 2.35T | 2.29T | 2.15T | 1.96T | 1.77T | 1.57T |
| Common Stock | 16.10B | 16.10B | 16.10B | 16.10B | 16.10B | 16.10B |
| Additional Paid-In Capital | 1.99M | 1.99M | 1.99M | 1.99M | 1.99M | |
| Retained Earnings | 34.80B | 48.44B | 48.08B | 49.56B | 44.16B | 23.49B |
| Comprehensive Income & Other | 7.10B | 7.14B | 7.24B | 7.18B | 9.31B | 26.14B |
| Total Common Equity | 58.00B | 71.68B | 71.42B | 72.84B | 69.57B | 65.73B |
| Minority Interest | 395.93K | 340.50K | 324.57K | 311.36K | 298.12K | 284.58K |
| Shareholders' Equity | 58.00B | 71.68B | 71.42B | 72.84B | 69.57B | 65.73B |
| Total Liabilities & Equity | 2.41T | 2.36T | 2.23T | 2.03T | 1.84T | 1.64T |
| Total Debt | 471.96B | 226.57B | 326.90B | 243.50B | 219.59B | 68.94B |
| Net Cash (Debt) | -337.16B | -74.15B | -181.90B | -97.40B | -71.97B | 35.69B |
| Net Cash Per Share | -209.42 | -46.06 | -112.98 | -60.50 | -44.70 | 22.17 |
| Filing Date Shares Outstanding | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B |
| Total Common Shares Outstanding | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B | 1.61B |
| Book Value Per Share | 36.03 | 44.52 | 44.36 | 45.24 | 43.21 | 40.82 |
| Tangible Book Value | 58.00B | 71.62B | 71.86B | 72.72B | 69.39B | 65.73B |
| Tangible Book Value Per Share | 36.03 | 44.49 | 44.63 | 45.17 | 43.10 | 40.82 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -12.48B | 1.36B | 1.09B | 6.35B | 6.17B | 4.81B |
| Depreciation & Amortization | 1.76B | 1.81B | 1.87B | 1.75B | 1.50B | 1.42B |
| Other Amortization | 58.57M | 58.57M | 67.89M | 68.24M | 67.80M | |
| Change in Trading Asset Securities | -149.31M | -149.31M | -149.31M | -126.86M | -126.86M | -126.86M |
| Change in Other Net Operating Assets | 169.23B | -132.56B | 38.88B | -142.30B | -126.44B | -142.22B |
| Other Operating Activities | -51.48B | -48.40B | -5.65B | -5.69B | 1.85B | 1.74B |
| Operating Cash Flow | 106.93B | -177.87B | 36.11B | -140.02B | -116.98B | -134.31B |
| Capital Expenditures | -1.48B | -1.59B | -3.74B | -1.39B | -2.04B | |
| Sale of Property, Plant and Equipment | 1.55B | |||||
| Investment in Securities | -31.73B | -9.73B | -98.96B | 2.43B | 4.02B | -21.06B |
| Other Investing Activities | 1.00 | -1.00 | ||||
| Investing Cash Flow | -33.21B | -11.32B | -102.70B | 3.98B | 2.63B | -23.10B |
| Long-Term Debt Issued | 4.40B | 5.00B | 3.82B | 7.18B | ||
| Long-Term Debt Repaid | -4.40B | -4.80B | -4.80B | -3.60B | -2.40B | |
| Net Debt Issued (Repaid) | -4.40B | -4.40B | -400.00M | 200.00M | 224.16M | 4.78B |
| Issuance of Common Stock | 500.00M | 300.00M | ||||
| Common Dividends Paid | -1.61B | -1.61B | -1.61B | -1.61B | ||
| Net Increase (Decrease) in Deposit Accounts | -77.69B | 220.02B | 57.11B | 122.91B | 27.33B | 201.16B |
| Other Financing Activities | 135.00M | 135.00M | ||||
| Financing Cash Flow | -81.46B | 215.76B | 55.40B | 121.50B | 25.95B | 204.32B |
| Foreign Exchange Rate Adjustments | -23.67M | -105.73M | 94.97M | -20.34M | 28.83M | -749.19K |
| Net Cash Flow | -7.76B | 26.46B | -11.09B | -14.56B | -88.38B | 46.91B |
| Free Cash Flow | 105.45B | -179.46B | 32.36B | -140.02B | -118.37B | -136.35B |
| Free Cash Flow Margin | 416.26% | -457.13% | 55.80% | -254.82% | -255.84% | -352.79% |
| Free Cash Flow Per Share | 65.50 | -111.47 | 20.10 | -86.97 | -73.52 | -84.69 |
| Cash Interest Paid | 103.12B | 105.40B | 81.02B | 65.36B | 50.50B | 44.96B |
| Cash Income Tax Paid | 3.26B | 8.03B | 7.28B | 8.60B | 6.87B | 7.37B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 36.55B | 52.81B | 77.92B | 52.49B | 53.13B | 51.52B |
| Last Close Price | 22.70 | 32.80 | 48.40 | 31.60 | 31.02 | 29.15 |
| PE Ratio | 38.73 | 71.63 | 8.26 | 8.62 | 10.72 | |
| PS Ratio | 1.44 | 1.34 | 1.34 | 0.95 | 1.15 | 1.33 |
| PB Ratio | 0.63 | 0.74 | 1.09 | 0.72 | 0.76 | 0.78 |
| P/FCF Ratio | 0.35 | 2.41 | ||||
| P/OCF Ratio | 0.34 | 2.16 | ||||
| Debt / Equity Ratio | 8.14 | 3.16 | 4.58 | 3.34 | 3.16 | 1.05 |
| Debt / FCF Ratio | 4.48 | 10.10 | ||||
| Net Debt / Equity Ratio | 5.81 | 1.03 | 2.55 | 1.34 | 1.03 | -0.54 |
| Net Debt / FCF Ratio | 3.20 | -0.41 | 5.62 | -0.70 | -0.61 | 0.26 |
| Return on Equity (ROE) | -19.27% | 1.91% | 1.51% | 8.92% | 9.12% | 7.49% |
| Return on Assets (ROA) | -0.53% | 0.06% | 0.05% | 0.33% | 0.36% | 0.32% |
| Earnings Yield | -34.14% | 2.58% | 1.40% | 12.11% | 11.61% | 9.33% |
| FCF Yield | 288.54% | -339.83% | 41.53% | -266.77% | -222.80% | -264.65% |
| Dividend Yield | 3.07% | 3.03% | 3.12% | |||
| Payout Ratio | 148.00% | 25.34% | 26.11% | 33.49% | ||
| Total Shareholder Return | 3.07% | 3.03% | 3.12% |