Interest Income
Less: Interest paid on deposits, borrowing, ctc.
Net interest income
Investment income
Commision, exchange and brokerage
Other operating income
Total operation income
Salary and allowances
Rent, taxes, insurance, electricity, etc.
Legal Expenses
Postages, stump, telecommunication, etc.
Managing directors salary and allowance
Directors' fees
Audotiors' Fees
Charages on loan loss
Depreciation and repair of assets
Other expenses
Total operating expenses
Profit Before Provision
Provision for Loan and advances
Provision/(Reserve) for diminution in value of investments
Other provisions
Total Provision
Profit Before Tax
Provision for taxation
Current Tax
Deferred Tax
Net profit after Tax
Appropriations
Statutory reserve
General reserve
Proposal dividend
Retained surplus
Earning Per share(EPS)
IPDC FINANCE LIMITED
Profit and loss Statement
For the year ended 2025 to 2020
2015 2016 2017
804,863,230 1,482,385,809 2,991,122,584
373,422,243 844,243,048 1,918,530,631
431,440,987 638,142,761 1,072,591,953
55,405,731 47,231,755 65,463,411
7,577,541 36,184,345 82,161,056
145,480,822 119,839,040 25,291,114
639,905,081 841,397,901 1,245,507,534
90,183,739 137,340,136 284,838,827
13,986,678 22,084,194 32,636,022
12,659,979 16,488,390 19,400,067
3,235,851 3,841,842 7,274,963
13,150,848 77,712,650 111,818,455
11,195,905 11,554,496 11,554,496
506,000 2,859,894 2,785,591
* * *
27,812,852 35,274,127 49,842,359
17,491,096 31,953,270 51,981,149
194,119,425 339,787,494 572,810,429
445,785,656 501,610,407 672,697,105
164,468,055 29,570,375 158,288,646
of investments -62,882,555 4,042,367 665,214
* * *
101,585,500 33,612,742 158,953,860
344,200,156 467,997,665 513,743,245
105,822,441 158,237,631 176,707,827
-1,812,634 6,673,473 1,610,115
104,009,807 164,911,104 178,317,942
240,190,349 303,086,561 335,425,303
67,085,061
48,038,070 60,617,312 *
192.152.279 242,469,249 268,340,242
1.59 2 1.54
r the year ended 2025 to 2020
2018 2019 2020
5,080,019,093 6,715,949,423 6,902,297,687
3,381,689,412 4,773,189,684 4,885,297,253
1,698,329,681 1,942,759,739 2,017,000,434
63,347,080 115,160,975 638,727,866
89,224,663 78,227,182 108,377,072
23,632,007 29,550,807 108,377,072
1,874,533,431 2,165,698,703 2,829,795,301
382,732,193 552,779,741 679,085,443
43,444,674 24,291,154 25,607,916
41,936,136 49,552,789 36,685,799
9,160,192 9,558,394 11,554,138
101,248,787 120,504,963 102,726,750
13,679,676 13,695,000 13,695,000
2,409,361 996,884 1,689,326
* 923,340 805,000
68,212,215 120,189,972 165,593,369
88,252,460 88,822,928 112,768,275
751,616,194 981,315,165 1,150,211,016
1,122,917,237 1,184,383,538 1,679,584,285
263,393,225 152,138,776 478,139,603
-1,045,775 10,126,672 23,394
* 28.500.000 478,162,997
262,347,450 28.500.000
860,569,787 993,618,090 1,201,421,288
431,255,239 500,253,085
406,187,365 -108,904 -4,396,408
4,379,185 431,146,335 495,856,677
410,566,550 * *
450,003,237 562,471,755 705,564,611
90,000,647 112,494,351 141,112,922
* * *
112,494,351 141,112,922
360,002,590 564,451,689 141,112,922
2.06 1.72 1.9
Property and Assets
Cash
In hand (including foreign currencies)
Balance with Bangladesh Bank and its agent bank(Incliuding forg. Currencies)
Balance with other banks and financial institutions
In Bangladesh
Outside Bangladesh
Money at call and short notice
Investments
Government securities
Other Investment
Loans, advances and leases
Loans, cash credit, overdraft, etc.
Bills purchased and discounted
Fixed assets including land, building, furniture and fixture
Oher assets
Non financials institutional asstes
Total Assets
Liabilities and capital
Liabilities
Borrowing from other banks, financial institutions and gains
Deposits and other accounts
Current accounts and other accounts
Bills payable
Saving dposits
Term deposits
Bearer certificate of deposits
Other deposits
Other liabilities
Total Liabilities
Shareholders' Equity
Paid up-capital
Share premium
Statutory reserve
Asset revaluation reserve
Retained earning
Total shareholders equity
Total liabilities and Shareholders' equity
Off-balance sheet items
Contigent Liabilities
Acceptances and endorsement
Letters of guarantees
Irrevocable letters of credit
Bills of collection
Other Contigent Liabilities
Total Contigent liabilities
Other commitments
Documentary credits and short term trade-related transections
Forward asstes purshased and forward deposits placed
Undrawn note issuance and revolving underwriting facilities
Undrwan formal standby facilities, credit lines and other commitments
Total other commitments
Total off-balance sheet items including contigent liabilities
Net asset value (NAV) Per share
IPDC FINANCE LIMITED
Balance Sheet
For the year ended y
2015 2016 2017
150,000 270,000 370,000
82,047,426 226,125,597 376,472,857
82,197,426 226,395,597 376,842,857
1,063,034,059 1,632,372,469 3,271,928,101
1,063,034,059 1,632,372,469 2,903,301,362
187,048,680 565,732,580 662,732,580
187,048,680 565,732,580 662,732,580
6,415,776,969 19,480,595,090 34,466,955,374
6,415,776,969 19,480,595,090 34,466,955,374
207,043,649 233,614,078 267,048,183
243,163,438 434,487,396 608,309,595
3,752,405 3,752,405 3.752.405
8,202,016,626 22,576,949,615 39,288,942,356
227,064,552 1,141,448,941 4,214,082, 142
4,544,692,563 17,179,190,416 29,746,862,008
4,544,692,563 17,179,190,416 29,746,862,008
955,647,653 1,481,196,639 2,217,459,284
5,727,404,768 19,801,835,996 36,178,403,434
1,262,504,730 1,515,005,670 1,818,006,800
167,014,000 167,014,000 167,014,000
332,758,289 393,375,601 460,460,662
127,086,739 124,501,939 120,483,652
585,248,100 575,216,409 544,573,808
2,474,611,858 2,775,113,619 3,110,538,922
8,202,016,626 22,576,949,615 39,288,942,356
11,612,000 30,046,913 76,890,865
11,612,000 30,046,913 76,890,865
11,612,000 30,046,913 76,890,865
14.26
For the year ended year 2015 to 2020
2018 2019 2020
395,000 395,000 420,000
487,078,154 901,983,717 615,138,625
487,473,154 902,378,717 615,558,625
3,271,928,101 8,874,989,218 14,057,966,405
2,903,301,362 8,874,989,218 14,057,966,405
3,471,349,057
868,808,367 1,570,822,111 1,672,220,523
868,808,367 1,570,822,111 5,143,569,580
44,325,273,003 50,725,778,746 53,609,693,044
50,725,778,746 53,609,693,044
44,325,273,003 787,574,658 776,576,142
545,053,212 1,536,803,435 1,762,316,958
1,008,892,664 3,752,405 3,752,405
3,752,405
50,511,180,906 64,402,099,290 75,969,433,159
5,916,890,787 7,037,982,481 10,946,478,220
37,066,078,306 46,361,357,299 52,456,341,963
46,361,357,299 52,456,341,963
37,066,078,306
3,776,284,442 5,426,777,837 6,503,180,913
46,759,253,535 58,826,117,617 69,906,001,096
2,181,608,160 3,534,205,210 3,710,915,470
167,014,000 402,627,680 402,627,680
550,461,309 662,955,660 804,068,582
310,864,292 134,654,817
541,979,610 309,129,013 703,733,335
541,979,610 5,575,981,673 6,060,432,063
50,511,180,906 64,402,099,290 75,969,433,159
105,148,614 81,148,614 49,404,949
105,148,614 81,148,614 49,404,949
105,148,614 81,148,614 49,404,949
17.2 15.03 16.34
A) Cash flowa from operating activities
Interest received
Interest paid
Devidend received
Fee and commision received
Recoveries of loan previously written off
Payment to employees
Payment to supplies
Income taxes paid
Receipt fom other operating activitiues
payment for other operating activities
Cash generated from/(used in) operating activities before
Changes in operating asset and liabilities
Changes in operating assets and liabilities
Statutory deposits
Sale of trading securities
Loans and advances to others bank
Loans and advances to cusomers
Other assets
Deposits from other banks and financial institutions
Deposit from customers
Other liability account for customer
Trading liabilities
Other liabilities
Cash received/(paid) from operating assets and liabilities
Net cash from operating activities
B) Cash from Investing Activities
Proceeds from sale of securities
Payment for purchase of securities
Purchase of property, plamd and equipment
Sale proceed of propety
Net cash (used in)/ from investing activities
C) Cash flows from Financing Activities
Receipts from issue of loan and debt securities
Payment for redemption of loan and debt securities
Receipts from issue of ordinary securities
Receipts/(oayments) of long term loan
Devidend paid in cash
Net cash (used in)/from financing activities
D) Net Increase in Cash(A+B+C)
E) Effects of changes in exchange rate over cash and cash equivalent
F) Cash and Cash equivalent at 1 january
G) Cash and Cash equivalents at the end of the year (D+E+F)
Break down of cash and cash equivalent
Cash in hand
Balance with Bangladesh Bank and its agent banks
Balance with other banks and financial institutins
Net Operation Cashflow per share(NOCFPS)
IPDC FINANCE LIMITED
Flow Statement
2015 2016 2017
744,371,527 1,359,196,164 2,993,769,049
-442,516,367 -621,414,546 -1,645,056,246
13,071,710 14,205,527 27,686,721
7,577,541 36,184,345 82,161,056
7,577,541 144,185,09 119,081,510 24,135,000
-97,364,774 -167,594,083 -292,627,358
-95,303,127 -144,192,754 -268,631,227
-47,506,104 -141,525,976 -135,257,010
-47,506,104 27,065,893 1,128,929
268,021,492 481,006,080 787,308,914
-47,506,104 82,103,527 106,649,072
91,721,472 -13,196,815,126 -15,093,009,356
-860,097,377 -17,873,608 -4,294,343
4,475,086 6,970,000,000 3,940,000,000
547,301,676 5,464,497,851 8,627,671,592
-359,185,382 1,114,420,610 1,896,583,218
15,007,366 235,871,797 148,738,583
-145,777,159 652,205,051 -377,661,234
122,244,333 1,133,211,131 409,647,680
105,817,987 94,283,334
-472,967,234 -97,000,000
-15,047,985 -44,671,973 -67,344,490
3,712,700 29,200
90,770,002 -419,643,173 -164,315,290
472,239,248
187,872,133 -36,221 703,810,735
-77,237,894 4,844 -6,220
110,634,239 -31,377 1,176,043,763
323,648,574 713,536,581 1,421,376,153
821,582,911 1,145,231,485 1,858,768,066
1,145,231,485 1,858,768,066 3,280,144,219
1.88
Cash
For the ended year 2015 to 2020
2018 2019 2020
5,126,780,043 6,767,726,941 7,460,027,339
-2,825,424,863 -4,115,460,182 -5,140,619,965
35,914,111 49,633,484 127,566,865
89,224,663 78,227,182 108,377,072
20,689,836 28,562,370 63,128,215
-400,177,834 -566,474,741 -682,159,086
-275,395,890 -313,922,837 -381,317,769
-281,745,290 -392,364,068 -307,549,111
954,511 954,670 331,906,466
1,490,819,287 1,536,882,820 1,579,360,026
17,997,600 -602,801,254 -15,360,299
-9,876,315,228 -5,797,704,489 {2,868,553,999)
-41,868,860 -76,094,817 30,271,729
2,410,387,500 -2,674,868,739 230,000,000
4,908,828,798 11,970,147,732 5,864,984,663
85,774,406 -192,427,874 2,807,296,815
166,178,999 196,202,212 8,653,543
-2,329,016,785 2,822,452,772 6,057,292,451
-838,197,498 4,359,335,591 7,636,652,477
-206,075,787 -3,438,092,652 -702,013,744
-100,220,972 -61,545,777 -218,023,402
6,706,067 10,963,049 3,360,327
-299,590,692 -3,488,675,380 -916,676,819
535,062,759 279,073,890 633,083,465
1,081,971,476 1,413,682,080
10,991 822,125,035 680,436,103
1,617,045,226 -353,018,927 -151,893,740
748,179,998 2,575,307,908
479,257,036 4,896,157,095 6,017,966,680
3,280,144,219 9,777,367,935 3,759,401,255
3,759,401,255 14,673,525,030 9,777,367,935
420,000 395,000
615,138,625 901,983,717
14,057,966,405 8,874,989,218
14,673,525,030 9,777,367,935
-3.84 20.58 11.75
