SME Leasing Income Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Interest and Dividend Income	7.46	11.4	20.87	21.3	21.58	Upgrade
Total Interest Expense	38.88	35.74	23.53	18.37	21.45	Upgrade
Net Interest Income	-31.42	-24.34	-2.66	2.93	0.14	Upgrade
Other Revenue	-	0.01	0.03	0.05	0.07	Upgrade
Revenue Before Loan Losses	-31.42	-24.32	-2.62	2.98	0.2	Upgrade
Provision for Loan Losses	107.59	3.21	-53.02	-20.07	14.06	Upgrade
Revenue	-139.01	-27.53	50.4	23.05	-13.85	Upgrade
Revenue Growth (YoY)	-	-	118.64%	-	-	Upgrade
Cost of Services Provided	50.84	42.91	48.92	44.09	43.68	Upgrade
Other Operating Expenses	-	0.06	0.08	0.12	0.12	Upgrade
Total Operating Expenses	50.84	42.97	49	44.21	43.8	Upgrade
Operating Income	-189.85	-70.5	1.4	-21.15	-57.66	Upgrade
EBT Excluding Unusual Items	-189.85	-69.57	1.4	-21.15	-57.66	Upgrade
Pretax Income	-189.85	-69.21	1.49	-21.11	-57.35	Upgrade
Income Tax Expense	0.09	0.14	0.26	-7.71	0.32	Upgrade
Net Income	-189.94	-69.35	1.23	-13.4	-57.68	Upgrade
Net Income to Common	-189.94	-69.35	1.23	-13.4	-57.68	Upgrade
Shares Outstanding (Basic)	32	32	32	32	32	Upgrade
Shares Outstanding (Diluted)	32	32	32	32	32	Upgrade
Shares Change (YoY)	-0.07%	-	-	-	-	Upgrade
EPS (Basic)	-5.94	-2.17	0.04	-0.42	-1.80	Upgrade
EPS (Diluted)	-5.94	-2.17	0.04	-0.42	-1.80	Upgrade
Free Cash Flow	-3.16	-3.41	-1.08	15.06	0.15	Upgrade
Free Cash Flow Per Share	-0.10	-0.11	-0.03	0.47	0.01	Upgrade
Operating Margin	-	-	2.77%	-91.77%	-	Upgrade
Profit Margin	-	-	2.44%	-58.13%	-	Upgrade
Free Cash Flow Margin	-	-	-2.15%	65.32%	-	Upgrade
Effective Tax Rate	-	-	17.59%	-	-	Upgrade
Revenue as Reported	7.46	12.71	21	21.39	21.95	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.