DSE : SIBL
Social Islami Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 3 BDT (At close: Nov 5, 2025) · Market cap 3.42B
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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 | 22.92B | 31.83B | 25.37B | 21.76B | 24.10B | 27.11B |
| Interest Paid on Deposits | 31.54B | 25.65B | 17.75B | 15.72B | 16.22B | 19.56B |
| Net Interest Income | -8.62B | 6.18B | 7.62B | 6.04B | 7.88B | 7.56B |
| Gain (Loss) on Sale of Investments | -146.97M | -146.97M | -17.19M | -18.94M | 161.76K | |
| Other Non-Interest Income | 4.36B | 3.63B | 5.15B | 6.16B | 3.14B | 2.90B |
| Total Non-Interest Income | 4.21B | 3.49B | 5.13B | 6.14B | 3.14B | 2.90B |
| Revenues Before Loan Losses | -4.40B | 9.67B | 12.75B | 12.18B | 11.03B | 10.46B |
| Provision for Loan Losses | 4.79B | 1.20B | 736.04M | 671.51M | 1.64B | 1.27B |
| Revenue | -9.20B | 8.47B | 12.01B | 11.51B | 9.39B | 9.18B |
| Salaries and Employee Benefits | 5.69B | 5.30B | 4.77B | 4.39B | 3.62B | 3.58B |
| Occupancy Expenses | 901.16M | 897.87M | 826.98M | 726.33M | 690.36M | 572.40M |
| Selling, General & Administrative | 787.43M | 846.30M | 797.65M | 690.83M | 614.20M | 580.63M |
| Other Non-Interest Expense | 1.49B | 1.75B | 1.45B | 1.62B | 1.28B | 1.21B |
| Total Non-Interest Expense | 8.87B | 8.79B | 7.84B | 7.43B | 6.21B | 5.94B |
| EBT Excluding Unusual Items | -18.07B | -323.17M | 4.17B | 4.08B | 3.18B | 3.24B |
| Pretax Income | -18.07B | -323.17M | 4.17B | 4.08B | 3.18B | 3.24B |
| Income Tax Expense | 38.38M | 228.58M | 1.63B | 1.69B | 1.43B | 1.67B |
| Earnings From Continuing Operations | -18.11B | -551.75M | 2.54B | 2.38B | 1.75B | 1.57B |
| Minority Interest in Earnings | 88.00 | 71.00 | -43.00 | -26.00 | -97.00 | -26.00 |
| Net Income | -18.11B | -551.75M | 2.54B | 2.38B | 1.75B | 1.57B |
| Preferred Dividends & Other Adjustments | 490.54M | 465.27M | 410.97M | 393.50M | ||
| Net Income to Common | -18.60B | -1.02B | 2.13B | 1.99B | 1.75B | 1.57B |
| Basic Shares Outstanding | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B |
| Diluted Shares Outstanding | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B |
| EPS (Basic) | -16.31 | -0.89 | 1.86 | 1.75 | 1.54 | 1.37 |
| EPS (Diluted) | -16.31 | -0.89 | 1.86 | 1.75 | 1.54 | 1.37 |
| Dividend Per Share | 0.48 | 0.45 | 0.43 | 0.41 | ||
| Effective Tax Rate | 39.15% | 41.49% | 45.00% | 51.62% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 12.86B | 18.21B | 16.56B | 12.95B | 21.10B | 11.55B |
| Investment Securities | 25.85B | 26.10B | 25.84B | 24.10B | 29.39B | 18.74B |
| Total Investments | 25.85B | 26.10B | 25.84B | 24.10B | 29.39B | 18.74B |
| Gross Loans | 390.46B | 607.42B | 373.60B | 355.98B | 325.83B | 313.29B |
| Allowance for Loan Losses | -223.60B | -13.45B | -13.62B | -13.56B | -13.25B | |
| Other Adjustments to Gross Loans | -1.20B | -154.54M | -202.19M | -283.72M | -317.39M | |
| Net Loans | 390.46B | 382.63B | 360.00B | 342.15B | 311.98B | 299.72B |
| Property, Plant & Equipment | 3.87B | 4.08B | 4.13B | 4.19B | 4.07B | 4.25B |
| Other Intangible Assets | 191.30M | 1.17B | 1.20B | 1.21B | 1.18B | 1.19B |
| Accrued Interest Receivable | 869.42K | 973.98K | 1.04M | 536.04K | 666.99K | 860.07K |
| Other Receivables | 2.95B | 4.47B | 3.95B | 3.99B | 3.48B | 2.76B |
| Restricted Cash | 2.67B | 19.99B | 33.90B | 26.55B | 21.62B | 32.52B |
| Other Current Assets | 18.47B | 18.58B | 17.22B | 15.55B | 14.27B | 12.24B |
| Other Long-Term Assets | 3.97B | 1.95B | 13.65B | 9.67B | 1.50B | 2.24B |
| Total Assets | 461.30B | 477.17B | 476.44B | 440.36B | 408.59B | 385.21B |
| Accrued Expenses | 8.48M | 4.88M | 2.29M | 2.25M | 9.76M | |
| Interest Bearing Deposits | 217.97B | 244.54B | 275.01B | 288.74B | 295.08B | 282.14B |
| Non-Interest Bearing Deposits | 53.96B | 56.38B | 70.83B | 45.28B | 40.99B | 34.82B |
| Total Deposits | 271.93B | 300.92B | 345.84B | 334.02B | 336.07B | 316.96B |
| Short-Term Borrowings | 106.38B | 90.85B | 43.28B | 30.00B | ||
| Current Portion of Leases | 613.73K | 2.90M | 3.72M | |||
| Current Income Taxes Payable | 21.02B | 21.03B | 20.94B | 19.44B | 17.87B | 16.58B |
| Other Current Liabilities | 4.38B | 8.32B | 10.94B | 6.35B | 5.10B | 4.95B |
| Long-Term Debt | 11.65B | 12.00B | 13.00B | 9.80B | 10.60B | 9.50B |
| Long-Term Leases | 115.97M | 211.73M | 339.40M | 449.48M | 618.82M | 729.67M |
| Long-Term Deferred Tax Liabilities | 464.89M | 463.37M | 468.22M | 472.09M | 465.54M | 439.02M |
| Other Long-Term Liabilities | 42.08B | 22.67B | 19.15B | 18.93B | 18.47B | 17.95B |
| Total Liabilities | 458.02B | 456.47B | 453.96B | 419.47B | 389.20B | 367.11B |
| Common Stock | 11.40B | 11.40B | 10.86B | 10.34B | 9.85B | 9.38B |
| Retained Earnings | -8.66B | 8.76B | 11.07B | 9.99B | 8.98B | 8.15B |
| Comprehensive Income & Other | 538.68M | 538.68M | 549.11M | 559.41M | 565.52M | 571.14M |
| Total Common Equity | 3.28B | 20.70B | 22.48B | 20.89B | 19.40B | 18.10B |
| Minority Interest | 1.80K | 1.83K | 1.90K | 1.90K | 1.94K | 1.84K |
| Shareholders' Equity | 3.28B | 20.70B | 22.48B | 20.89B | 19.40B | 18.10B |
| Total Liabilities & Equity | 461.30B | 477.17B | 476.44B | 440.36B | 408.59B | 385.21B |
| Total Debt | 118.15B | 103.06B | 56.62B | 40.25B | 11.22B | 10.23B |
| Net Cash (Debt) | -105.29B | -84.85B | -40.06B | -27.30B | 9.88B | 1.32B |
| Net Cash Per Share | -92.34 | -74.42 | -35.13 | -23.95 | 8.67 | 1.16 |
| Filing Date Shares Outstanding | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B |
| Total Common Shares Outstanding | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B | 1.14B |
| Book Value Per Share | 2.87 | 18.15 | 19.72 | 18.32 | 17.01 | 15.87 |
| Tangible Book Value | 3.09B | 19.52B | 21.28B | 19.68B | 18.21B | 16.91B |
| Tangible Book Value Per Share | 2.71 | 17.12 | 18.66 | 17.26 | 15.97 | 14.83 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | -18.11B | -551.75M | 2.54B | 2.38B | 1.75B | 1.57B |
| Depreciation & Amortization | 88.93M | 121.89M | 510.91M | 520.07M | 525.26M | 506.32M |
| Other Amortization | 376.49M | 377.45M | ||||
| Gain (Loss) on Sale of Investments | 1.58B | 1.58B | 861.23M | 888.20M | 1.74B | 1.31B |
| Change in Trading Asset Securities | 341.69M | -268.74M | -1.74B | 5.29B | -10.65B | -875.02M |
| Change in Other Net Operating Assets | 9.73B | -8.38B | -22.49B | -39.74B | -13.07B | -33.38B |
| Other Operating Activities | 13.09B | 99.03M | 647.96M | 909.37M | 616.66M | 1.10B |
| Operating Cash Flow | 7.10B | -7.02B | -19.68B | -29.75B | -19.10B | -29.77B |
| Capital Expenditures | -108.19M | -431.63M | -440.23M | -672.34M | -339.63M | -1.34B |
| Investing Cash Flow | -108.19M | -431.63M | -440.23M | -672.34M | -339.63M | -1.34B |
| Long-Term Debt Issued | 3.20B | 3.50B | 1.50B | |||
| Total Debt Issued | 15.54B | 3.20B | 3.50B | 1.50B | ||
| Long-Term Debt Repaid | -1.00B | -800.00M | -2.40B | -1.40B | ||
| Total Debt Repaid | 25.41B | -1.00B | -800.00M | -2.40B | -1.40B | |
| Net Debt Issued (Repaid) | 40.95B | -1.00B | 3.20B | -800.00M | 1.10B | 100.00M |
| Common Dividends Paid | -490.54M | -1.01B | -928.05M | -885.95M | -469.00M | -446.67M |
| Net Increase (Decrease) in Deposit Accounts | -12.94B | -1.54B | 28.69B | 28.66B | 17.40B | 33.40B |
| Financing Cash Flow | 27.51B | -3.55B | 30.96B | 26.98B | 18.03B | 33.06B |
| Foreign Exchange Rate Adjustments | -1.22B | -1.26B | 130.04M | 208.37M | 57.74M | 37.25M |
| Net Cash Flow | 33.28B | -12.27B | 10.97B | -3.23B | -1.35B | 1.98B |
| Free Cash Flow | 6.99B | -7.45B | -20.12B | -30.42B | -19.44B | -31.11B |
| Free Cash Flow Margin | -88.00% | -167.46% | -264.30% | -206.90% | -338.82% | |
| Free Cash Flow Per Share | 6.13 | -6.54 | -17.64 | -26.68 | -17.05 | -27.29 |
| Cash Interest Paid | 21.71B | 24.18B | 16.56B | 14.53B | 15.10B | 18.55B |
| Cash Income Tax Paid | 207.04M | 1.37B | 1.60B | 1.33B | 1.97B | 1.31B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 3.42B | 10.03B | 12.70B | 12.72B | 14.58B | 12.19B |
| Last Close Price | 3.00 | 8.80 | 10.52 | 10.11 | 11.18 | 9.03 |
| PE Ratio | 5.98 | 6.39 | 8.33 | 7.78 | ||
| PS Ratio | 1.19 | 1.06 | 1.10 | 1.55 | 1.33 | |
| PB Ratio | 1.04 | 0.48 | 0.56 | 0.61 | 0.75 | 0.67 |
| Debt / Equity Ratio | 36.06 | 4.98 | 2.52 | 1.93 | 0.58 | 0.56 |
| Debt / FCF Ratio | 16.91 | |||||
| Net Debt / Equity Ratio | 32.13 | 4.10 | 1.78 | 1.31 | -0.51 | -0.07 |
| Net Debt / FCF Ratio | 15.07 | -11.39 | -1.99 | -0.90 | 0.51 | 0.04 |
| Return on Equity (ROE) | -142.73% | -2.56% | 11.70% | 11.84% | 9.34% | 8.85% |
| Return on Assets (ROA) | -4.10% | -0.12% | 0.55% | 0.56% | 0.44% | 0.43% |
| Earnings Yield | -543.75% | -5.50% | 19.97% | 18.75% | 12.01% | 12.85% |
| FCF Yield | 204.28% | -74.26% | -158.35% | -239.14% | -133.33% | -255.16% |
| Dividend Yield | 4.27% | 4.06% | 3.38% | 3.85% | ||
| Payout Ratio | 36.58% | 37.15% | 26.80% | 28.50% | ||
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 4.27% | 4.06% | 3.38% | 3.85% |