3rd Quarter Financial Statement (Un-audited) (BFL Consolidated Q3 2025)

BANGLADESH FINANCE PLC.

Bangladesh Finance Tower, 64, Motijheel C/A Dhaka-1000

Q3 Consolidated Financial Statements-2025 (Un-Audited)

1. (8,567,008,221) (8,663,577,901)

   11

   Consolidated Profit and Loss Account For the period ended 30 September 2025		Consolidated Cash Flow Statement For the period ended 30 September 2025
   ten-Smp25 }m-Sup24 Ju6Sop-25 IuhSo 24 Iraerest Income l9.a 757,331,228 1,071,571,476 190,496,790 330,492,956 Less: Interest paid on Deposits an Borrowings etc. 20.a 1,186,014,995 1,026,465,554 410,344,233 369,836,280 Net Inierest Income (428,683,766) 45,105,922 (219,847,444) (39,343,324) Imome 6om Investment 21.e (327,731,054) 195,659,216 (333,221,180) (26,320,599) C«nmissioq mchange and Brokemge 21.b 23,612,537 42,534,396 12,091,276 14,281,505 Other Operating mcome 22.a 8,439,807 25,559,606 4,825,277 4,472,476 (295,678,710) 263,753,218 (316,304,628) (7,566,618) Total Operating Income (724,362,476) 308,859,139 (536,152,071) (46,909,942) 23m 179,709,624 169,811,742 59,211,678 56,365,946 24a 7,228,866 7,842,751 2,534,117 3,469,560 Legel and Professional Feee 25.a 3,067,834 2,676,016 I,327,325 1,305,408 Postage, Stamps, Telecommunication etc. 26.a 2,097,605 3,185,324 569,571 1,200,185 Stationery, Printings, Advenisemerits etc. 27.a 4,890,107 5,016,644 1,219,590 3,056,284 Managing Directs's Salary and Aliowanc es 28 5,802,500 5,802,500 1,732,500 1,732,500 29a 1,697,500 1,221,000 552,000 693,000 Audit Fees 29.b 476,772 487,315 169,625 162,438 Depreciation and Repairs of Assets 30.a 44,364,606 46,904,972 14,605,381 15,271,970 Other Expenses 3La 16,807,959 19,222,450 3,871,888 7,338,064 Taal Operating Expenses 266,143,372 262,170,713 85,793,675 90,595,355 Profit kfore Provision (990,505,848) 46,688,426 (621,945,746) (137,505,297) Specific Provisions for Classified Investment 32 (7,16 1,000) 70,000,000 (1,862,000) 43,050,000 32 (544,531,756) 35,000,000 (289,531,756) Special Provisions for Unclassified Investment Provisions for Oher Receivables 32 249,500,000 249,500,000 Provisions for Off-Balance Sheet exposures Provisions for Investment in Shares and Margin Loan 32.a (580,858,023) 238,556,743 (568,034,670) 162,915,032 (883,050,779) 343,556,743 (609,928,425) 205,965,032 Total Profit before Provisions for Taxation (107,455,069) (296,868,317) (12,017,321) (343,470,329) t2.4.a 11,301,778 27,482,532 2,294,617 689,326 12.5.b (232,978,677) (126,712,585) (110,181,508) (84,261,508) (221,676,899) (99,230,053) (107,886,891) (83,572,181) 114,221,830 (197,638,264) 95,869,570 (259,898,148) Attributable to 114,221,830 (197,638,264) 95,869,570 (259,898,148) 106,848,326 (179,575,809) 83,781,278 (240,880,776) 7,373,503 (18,062,454) 12,088,292 (19,017,371) Net Profit available for distribution 106,848,326 (179,575,809) 83,781,278 (240,880,776) Appropriations Statutory Reserve 14 I 1,624,524 981,323 (3,576,231) Retained Earning 95,223,803 (179,575,809) 82,799,955 (23'7,304,546) 1£fi,848,326 (179,575,809) 83,78t,278 (240,880,776) Besic Earnings Per Share 0.57 (0.95) 0.45 (1.28)		30-Sep-25 30-SVQ-24 Cash Flows from Operating Actlvides Interest received 777,268,430 1,235,153,465 Interest paia (898,258,457) (931,386,873) Dividend received (7,392,732) 21,616,232 Fees and Commission received 34,716,420 6l,680,I5I Cash Payments to Employees (185,512,124) (175,614,242) Cash Payments to Suppliers (5,807,435) (6,161,449) Income Tax Paid (23,883,631) (28,210,068) Received from other Operating activities (321,125,519) 207,406,143 Payments for ether Operaang activities (47,938,210) (59,793,060) Cash generated from operating activities before changes in Operating (677,933,258) 324,690,300 Assets and Liabilities Changes in berating Assets and Liabilities Purchases/Sale of Trading Securities 456,999,706 (110,398,482) Loans and Lease Finance to Customers 432,872,601 314,397,775 Otter Assets 148,986,912 (255,336,270) Deposits (240,583,657) (288,831,404) Net drawdown of Term Loans (162,651,568) 70,056,811 Net drawdown of Shnrt Term Loans 17,058,821 (487,050,621) Otter Liabilities (48,921,123) 290,675,682 Sub Total 603,761,693 (466,486,508) Cash flows from Investing Activities Purchase/sale of non trading securities Proceeds from Sale of fmed asseb 15,022,10 1 1,959,495 Proceeds from Sale ofnor banking assets (Purchase)/disposal of fixed assets including right-of-use assets (82,243,096) ( 11,385,571) Cash flows from Financing Activities Increase/(decrease) ofborrowings Payment for lease liabilities 27,580,338 ( 17,292,893) Dividend Paid (A+B+C)
   Consolidated Statement of Changes in Shareholders' Equity For the period ended 30 September 2025

   1. Net Cash flows from Operating Activities (74,171,566) (141,796,208)

   2. Net Cash flows fr om Investing Activities (67,220, 995) (9,426,076)

   3. Net Cash flows from Financing Activities 27,580,338 ( 17,292,893)

   4. Net Increase/(Decmase) in Cash and Cash Equivalents (113,812,223) (168,515,177)

   5. Cash and Cash Equivalents at the beginning of the period 1,738,372,714 1,802,186,312

   6. Cash and Cash Equivalents at the end of the period(D+E) 1,624,560,491 1,633,671,136 Net Operating Cash Flows per share (NOCFP S) (0.39) (0.75)

   Amount in BDT

   Total Shareholders' Equity

   Non Controlling Interest

   Total Liabilities and Shareholders' Equity

   OFF BALANCE SHEET EXPOSURES CONTINGENT LIABILITIES

   Acceptances and Endorsements Letters of Guarantee hrevocable Letters of Credit Bills for Cotlection

   Total

   OTHER COMMITMENTS

   Documentary credits and short term trade related transactions Forward assea pwchased and forward deposits placed Undrawn note issuance and revolving Underwriting facilities Undrawn formal standby facilities, credit lines and

   Claims against the Bank not acknowledged as debts Total

   Total Off-Balance Sheet items including contingent liabilities

   Net Asset Value (NAV) per stiare

   (5,549,085,998) (5,655,934,324)

2. 403,657,023 396,283,519